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List the assumptions used on SVE/SVQ’s.
• No vehicle customizations.
• Kept at current address.
• Named insured is sole registered owner (verify with customer when applying).
• Vehicle registered state matches current rated state.
• You won't have a full usage discussion with the customer when adding or replacing a vehicle so listen for clues that the vehicle will be driven differently from the assumptions made.
o Add vehicle: The vehicle is driven 12,000 miles a year. If the new vehicle is being used to commute, and the driver of the new vehicle is currently listed as commuting on another vehicle, the commute information will be transferred to the new car and the other vehicle will be assigned pleasure, 12,000 miles a year.
o Replace vehicle: The vehicle is driven the same as the vehicle being replaced.