Objections
that Premium seems really high
offer higher deductibles, look for discounts
What is Gap coverage?
optional auto insurance that helps cover the difference between what you owe on your car loan and the actual cash value of your vehicle if it is totaled or stolen.
you come across an account that has an Auto policy with BI $250K/$500K and a home with cov E $300K
(and yes a clean claims history)
what are you suggesting/offering the insured?
an umbrella policy
What does AMICA Stand for?
Auto Mobile Insurance Company of America
What is the discount percentage for pif on an auto policy
7%
Ive had bad claims experiences with other carriers
we are rated #1 in claims history
what is Identity Fraud Expense Coverage?
100 bonus points - what policy is this endorsement on?
Endorsement provides up to $15,000 coverage for loss expenses incurred by an insured as the direct result of any one identity fraud first discovered or learned of during the policy period. This coverage is subject to a $250 or $500 deductible (verify the selected deductible within the policy endorsements screen).
bonus answer home
Mono line auto policy that has an apt number in the address
offering H04
When was Amica founded?
1907
Amica is the oldest mutual insurer of automobiles in the United States.
what are the requirements for the good student discount
I've had my auto insurance with my carrier for a long time, I have a loyalty discount
if you have been with them for over 3 years we provide a loyalty discount when you switch
What is Water Back up Endorsement
provide coverage for direct physical damage resulting from water back up through sewers or drains, or overflows or discharge from sump pump or related equipment.
Name a feature found on Amica.com
pay bill
review policy documents
resources for home owners
resources for car owners
info on Amica product knowledge
sign documents
Who is the Current CEO?
Edmund Shallcross III
are home policies eligible for autopay discount when the mortgage is escrowed?
100 bonus points-is the e-discount eligible if the mortgage is escrow
No - app
yes - edisc
You Ask way more questions than the other carriers, is this necessary?
We do our best to underwrite everything upfront, this helps us understand your needs so that we can provide you with the most accurate quote and ensure we are providing you with the best product/policy
What state(s) in our region offer EAS policies?
Connecticut
An insured calls to add an inexperienced (newly licensed) operator to their policy
what questions are you asking/suggesting
how are their grades?
driver training?
are they attending college away from the home (student away)
mention umbrella and the perks of having higher liability limits
Who founded Amica?
A. T. Vigneron
what is the percentage for the life discount on the auto
need both 1 line and 2 or more
5% for one life policy
8% for 2 life policies
how do you show the Amica Value?
talk about company ratings
JD power awards
AAA best Rating
claims experience
consumer reports
etc
What are the perks of an H05?
Open Peril Coverage on Personal Property
Increased Special Limits
included water back up
$2,500 special limit (up from $1,500) on theft of:
Jewelry, watches, furs
Firearms
Silverware
$5,000 special limit (up from
$1,000) for:
Loss Assessment
included replacement cost for contents
Give three scenarios for soliciting additional lines
mono line auto
mono line home
home and auto no pup
no Amica Life
adding inexperienced operator and there is no pup
Moving
when was the first Branch office opened?
100 bonus points - where was the first branch office?
1941
Boston Massachusetts
What is the largest discount we offer?
Multi-line