Vehicles
This piece of information is required to determine the effective date when adding a vehicle.
What is purchase date?
This must be verified early in the process because it determines if the driver creates underwriting exposure and must be added.
What is whether the driver resides in the household?
An insured wants to remove comprehensive and collision coverage on a vehicle—this factor determines if the change is allowed.
What is whether there is a lienholder requiring physical damage coverage?
A policy cancels mid-term—this billing outcome occurs if there is an unpaid balance for coverage already used.
What is an earned premium bill being issued?
This feature allows customers to make a payment without logging into their account.
What is Express Pay (Express Services)?
These features may qualify the vehicle for discounts and should be reviewed when replacing a vehicle.
What are vehicle safety credits (e.g., adaptive headlights, forward collision warning)?
A driver is out of the country for 3 months with plans to return—this is the correct action regarding deletion.
What is do not delete the driver?
An insured wants to lower UM/UIM coverage below their bodily injury limits—this underwriting rule must be reviewed before processing.
What is state requirements or matching limit rules for UM/UIM coverage?
An insured on a paid-in-full plan receives a DNOC at renewal and cannot pay in full—this is the correct action regarding bill plan changes.
What is the bill plan cannot be changed after DNOC is issued?
A customer wants to suspend liability coverage online, but the vehicle is financed—this is the outcome.
What is the suspension cannot be completed online due to a lienholder?
When adding coverage, you ask this question to align the new vehicle with existing policy protections.
What is 'Would you like the same coverages?'
An insured refuses to add a household driver with a valid license—this is the required next step to remain compliant with underwriting guidelines.
What is require all household members with a valid license to be listed or excluded due to exposure?
An insured wants to restore coverage effective last week because they already started driving again—this is the correct response.
What is coverage cannot be backdated; restore effective tomorrow?
This scenario prevents you from finalizing a reinstatement quote, even if the insured is ready to pay.
What is the cancellation has not processed in TABS or the quote requires adjustment?
A customer wants to change their autopay draw date online—this is the correct response.
What is they cannot change the draw date online?
This question is more critical when adding a vehicle because the policy risk is expanding, not just swapping.
What is “Will anyone else be driving your vehicles?”
A household driver has regular access to the vehicles but is not eligible per underwriting guidelines—this is the required action, even if the insured requests exclusion.
What is add the driver and determine if cancellation or non-renewal (DNOC/DNR) applies?
Before processing a driver exclusion, this must be clearly explained and confirmed with the insured regarding coverage impacts.
What is that the excluded driver will have no coverage if they operate the vehicle?
A request needs to be tracked for future follow-up but does not require immediate action—this is the correct tool.
What is a Billing Diary?
A customer can see their Legacy policy, but cannot see their Prevail policy online—this is the action they should take.
What is use “Where’s my policy” to link it?
These must be reviewed because replacing a vehicle can trigger different rules depending on location.
What are state exceptions and material changes?
When deleting a driver with an SR-22 on file, this form must be sent because the company is still considered on the risk.
What is an SR-26?
A significant change in liability limits or adding/removing major coverage types may trigger this underwriting review.
What is a material change?
These five elements are required when creating a billing diary to ensure proper documentation.
What are who, what, why, dates, and dollar amounts?
This type of policy has limited online capabilities and cannot process most policy changes.
What is a manually rated (NQ) policy?