Auto Coverages
When you smack into a deer, this coverage saves the day
Comprehensive
What is the minimum liability required on a homeowners policy in order to write an umbrella policy?
$300,000
What is the % discount for Drivewise?
15%
When can you COD an auto policy payment?
How old is Jonathon?
43.
If your bodily injury coverage is set at 250/500, what are those two numbers covering?
$250,000 MAX per person, $500,000 MAX per incident.
What are the 3 benefits of the "enhanced plan"?
Deductible rewards (down $100 a year), Claim rateguard, Claim bonus check (roughly 5% of the policy back).
What are the two requirements to receive the "safe driving club" discount?
36 months of continuous insurance, 5 years with no at-fault accident
What is the lowest amount you should list for annual mileage?
8,000
Jonathon has only lived in one other state. What state was it?
Nevada.
"Limited Property Damage" is defaulted to cover $3000 for every auto quote. What is a more common name for this coverage?
Mini-tort
Name 3 common items "other structures" coverage would apply to.
Fence, Shed, Gazebo, Pool, Polebarn, Detached garage
What are the two requirements to receive the "New Car Discount"
Model year 2022 or newer, select "original owner"
John owns 4 cars and is married with two daughters. One of the daughters has a vehicle with her at college. He also has his deadbeat brother living in the basement. Bro doesn't have his own insurance or car, but also doesn't drive any of their cars. How many people need to be listed on the policy?
Five.
What 3 insurance companies has Jonathon worked for?
Nationwide (1998-2006), State Farm (2009), Allstate (2010-present)
What are the 6 options for healthcare coverage?
Unlimited, $250k, $500k, Qualified health, Medicaid, Medicare.
$1,000,000 in dwelling coverage or 4500 sq ft.
What is the requirement to receive the "value plan" discount and what is the % of the discount
Has to be on Easy Pay, 12%
You tell a customer that an at-fault accident pulls through and they respond "I THOUGHT THIS WAS A NO-FAULT STATE?!?!?!". What is your reply?
That means that in an accident you go back to YOUR OWN insurance company to resolve the claim rather the filing with the other parties carrier. Anywhere in the world for any insurance company, someone is ALWAYS at-fault in an accident.
Jonathon's dad often calls him this initial-based nickname?
JDubs
How many points on a driving record makes someone ineligible?
8 points.
What does "building code coverage" cover?
Covers the cost of bringing your damaged home up to current building codes if a covered event occurs, essentially paying for necessary upgrades that might not be covered under your standard policy, like replacing outdated wiring or plumbing during repairs
Name 5 policy combinations that would result in a "multiple policy discount"
Auto on home, home on auto, auto on condo, condo on auto, auto on renters, auto on landlord, auto on boat, PUP on auto, PUP on home
What are the Insurance Score ranges for Auto, Home, Landlord, Renters and PUP?
1-50, 1-50, 1-16, 1-5, 1-5
What is the name of Jonathon's niece or nephew or sister?
Briana and Carter