Drivers and such
Your customer tells you that he has a 20-year-old dependent child who resides in the household. He is not a regular operator, has his own car/insurance. How should this child be rated on the quote?
Do not add him to the quote
Mr Tanner tells you she just moved to Texas from Florida, and is starting a new job tomorrow. What does your Tailored Response sound like?
I'm glad you called us today! We move from state to state so you will not have to find a new insurance company if you move again.
When probing the driving history, you learn Mrs. Pane received an Improper Driving violation. How do we key in the application?
Other Minor Violations
Which of the following incidents can be deleted from MAC? (we do not underwrite or rate for them)
01/2021 Comprehensive - Total Theft
06/2023 Comprehensive - Vandalism (car keyed)
12/2022 Comprehensive - Flood claim
Flood claim!
Mr. Freeman Mr. Freeman wants to split his first payment. He wants half on his Visa card and the other half on his Discover card. Can you do that for him? wants to split his first payment. He wants half on his Visa card and the other half on his Discover card. Can you do that for him?
YES!
Mr. Myers states he has a sixteen-year-old son who resides in the household and he is not licensed or permitted to drive. How do I handle the son for the application?
Add the son and list him as Is not licensed to drive.
When completing a recalled quote in AZ, the Current Insurance pre-filled with 100/300 BI limits. After asking for the sale the customer responds he needs to keep shopping around, but he needs to do something today because his tag renewal is up and he doesn't have car insurance. Is there anything we need to update in the sales application?
Probe and update current insurance based on the length of lapse.
When probing incidents in the last five years, Mrs. Champion states she had a cracked window ticket last March. How do I key this into the application?
Enter the violation as an equipment violation
Mr Nanno tells you he and his wife have no tickets or accidents. After running MAC a violation returned for him a year ago and there was a comprehensive claim 3 months ago for $782. What's our next steps for MVR and CLUE reconciliation? Specifically what do we need to talk about?
Only discuss incidents that need attention and confirm the price.
When you are taking a third-party payment if the payment is coming from an immediate family member you are not required to speak with them prior to taking payment?
No! (This is False)
Mr. Lee states his wife Mrs. Lee is the primary driver of one of the vehicles and she has an active international license. How do we handle Mrs. Lee in the application?
List Mrs. Lee as an Active driver and remind him she needs to get a stateside license within 30 days.
Your customer who calls in currently has a combined single limit policy. What is GEICO's policy with Combined Single limit policies?
You will match this to the closest split limit policy.
Mr Andre states he was slowing down to avoid hitting an animal when he was hit from behind by another vehicle. How do we key into ASA?
Enter accident-all other for the description, select him as the driver, and select No for being primarily responsible for the accident.
After running MAC, a possible lending loss is alerted on the MAC Reconciliation page. What are the questions we need to ask for Lending losses?
I see a loss with Jane as the driver - how is she related to you? How old is she and does she regularly drive your cars? Was she on your policy when the accident occurred?
When you get to the Drivers Page, you learn Quan has a current GEICO policy so you will need to transfer him to the Service Department. Is your next action to Group Reject or Incomplete the Application?
Incomplete Application
Mr. Diaz has a Puerto Rico license and he resides in Florida. What do we key in for age first licensed and what are the steps for running his MVR?
We consider the customers driving experience for Puerto Rico and you will obtain the driver's license but do not run MVR on this customer.
The customer tells you that he would like to make a larger payment than is required for his first payment. Let him know the excess money will go where?
Will be applied to the next payment only
Mr. Jones tells you he had an accident about a year ago. Which of the following describes the best next step?
Enter accident date as one year ago from todays date
Ask if it was more or less than a year ago?
Always enter the accident date as just over one year ago
Ask if it was more or less than a year ago?
An insurance company paid the insured for damages resulting from an accident, but later recovered that money from the other party involved in the accident. What will be listed next to this incident on the clue report? (disposition)
S (Subrogation)
Your customer wants a quote for two vehicles. He owns his vehicle and his friend owns her vehicle. We can insure this risk as long as both are insured on the same policy?
No! (This is False)
Mrs. James has an after-school pick up service where she picks up kids from the elementary school and takes them to their home. The parents pay her $200 a month for her service. How do we handle that?
This is a group reject as it doesn't meet our guides and you'll transfer your customer to Commercial.
Charlie has insurance with Amica Insurance. What is the Cancel Prior Carrier Letter process?
A Copy of the cancellation letter with be incuded in the GEICO Welcome email for the customer to download and send to their carrier.
When probing incidents, Mr. Parr states he had a loss of control accident two years ago and he received a violation for failing to maintain control. He explains that he went to traffic school to have it dismissed and its not on his record. What do we key into ASA?
Add the accident but do not add the violation to the quote.
When running MAC for a customer residing in Texas, an accident comes back for your customer from last year on his 2008 Harley Davidson. How will you handle this accident?
We do not underwrite for motorcycle accidents so it will be deleted.
We do not underwrite or rate for truck drivers who have a violation for their 18-wheeler being overweight because its not a moving violation. True or False?
Yes! (This is True)