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Coverages

100

What are the requirements for liability when a vehicle is being leased?

100/300/50

200

MSPH calls in to add her new 2025 BMW they have comprehensive and collision coverage what would you advise and include?
 

Offer MBI, ERS, and RR

300

What coverages extend on a Temporary Subsitute

All coverages carried on the owned auto transfer to the temporary substitute. Liability and physical damage extend in all states.

• There is no time restriction for temporary substitutes.

400

Explain the difference between stacked and non stacked uninsured motorist?

• Stacked: This is the broadest form of uninsured motorist bodily injury coverage. Total possible payout is the sum of the limits applicable to each vehicle insured. Stacked coverage will also apply to an owned auto not on the policy, while non-stacked will not.
• Non-Stacked: Total possible payout is the selected limit. Under the non-stacked version, if an insured is injured while occupying a vehicle owned by that insured or a resident relative, but that vehicle is not insured under this policy, uninsured motorist bodily injury coverage does not apply.

500

What is the difference between added and reduced UM in VA?

  Added Uninsured Motorist coverage provides additional protection at a higher premium. If you or other eligible insureds are injured or have property damage caused by an uninsured or underinsured motorist, this coverage provides protection that will pay for your damages in addition to the at-fault driver's Liability coverage limit up to your Uninsured Motorist Added-On coverage limit.
    On the other hand, Reduced Uninsured Motorist coverage provides less protection than the Added-On coverage and it is offered at a lower premium. This coverage will pay up to the difference between your Uninsured Motorist Reduced coverage and the at-fault driver's Liability coverage.

Endorsements

100

Mr. Johns, a customer on TMPP, calls on 1/13 to change his due dates permanently to the 17th of each month. When is his next payment due after we make the adjustment to his policy

Feb 17th

200

A Virginia PH is calling in to advise us she is now getting divorced. What is the handling?

Create an additional policy using div/sep as the reason for the person calling in. Update all contact info and billing info drivers and vehicles for both policies 

300

Ph advises they are moving from VA to PA how should usage be addressed for this transaction? 

Verify the primary driver/DVA and obtain the new one-way commute mileage (if applicable) for all vehicles. Present the PAM estimate only if usage has changed.

400

A California customer advises they purchased a new vehicle today so they can start making some extra money renting their vehicle on Turo how would we handle this situation? 

• CA, MD, OR, and WA: Add/Continue the vehicle on the policy and DO NOT REFER to Underwriting. Laws and regulations in these states require the personal vehicle sharing company to provide primary coverage for losses during which the vehicle is being used for personal vehicle sharing; there are also exclusions in these states to further protect us in the event the primary coverage is inadequate.

500

Mrph calls in to let us know that he and his wife are going to be combing their auto policies they are both with GEICO his policy is ORS GC-D and her policy is Pure GS-07 risk group B whose policy should they be added to and why?

The Pure GS-07 policy due to it being preferred company placement 

Drivers

100

 I live in Virginia and I have a 20 year old son who will be moving in with me this summer for the next 2 years. He will be driving my car 2-3 days a week. He is currently insured with another company. I am the only registered owner of my car. Should the driver be added?

Yes but can be listed as other insurance 

200

What is required when removing a youthful operator (15-19) from a policy?

POI/POR

300

Ms. Schwartzwalde, an Oregon GC customer, would like to remove her son named
Stacie. Due to his driving history, Stacie will no longer be driving any vehicle on the policy. Stacie doesn't have another insurance policy and still lives with Ms. Schwartzwalde. What documentation would we need to remove Stacie?

Offer a Named Driver Exclusion (NDE)

400

Msph is calling because a driver was added to their policy that they do not know. In policy notes you see they were added due to driver discovery. What options do we have for this policy holder?

Service/Underwriting Supervisor can document Policy Notes with exception to remove/not add the driver.

• Policy Note Template: Sup exception to driver discovery handling for X driver. Okay to (remove driver/not add driver) No other options are applicable, PH does not know who the driver is, drivers last name does not match SIN/NIN.

500

A policyholder is calling in to remove their 16 year old son because their rate went up saying he doesn't drive their vehicles. The driver was added due to driver discovery they can not provide POI. How would your conversation sound explaining why the driver needs to stay on the policy?

Answer can vary 

Effective dates

100

VA Ph calls in to remove a vehicle that they sold but they will not be able to return their plates until next week 11/26. What is the correct effective date for this transaction?

11/27

200

Mrph calls in to add a new vehicle today they purchased the vehicle last week on 4/10 what should the effective date be that we would add the car?

Date of the call

300

Policy holder called in to remove a vehicle that was in a total loss handled by GEICO what should the correct effective date be for the removal of the vehicle?

Day after the loss or tag surrender date which ever is later 

400

Mr. Jones, a GA policyholder, moved on 08/25. He is calling today, 08/30, to change the address on his policy. He plans to register his vehicle in GA tomorrow

8/31

500

A policy holder calls in 5/1/25 to add comprehensive and collision to their vehicle what should we advise the customer and what effective date will the coverage be added?

Advise that the coverage will be added 7 days after the call 5/8

Miscellaneous

100

Name one of Taylars catch phrases?

"The good news is"

"Let it marinate"

"SOL"

"Razz and Dazz"

200

What is the Geko's name?

Martin

300

What is the name of the card game that Cisco competes in tournaments for?

Yu-Gi-OH 

400

What instrument does T play?

Clarinet

500

What is Taylar's favorite show 

Stranger things!