Auto
What state or states does this apply to? When adding or replacing a vehicle equipped with a snowplow it is considered unacceptable for any use.
Answer-ND, OR, RI, SD, WY
I live in Hawaii, and I want to add on a E bike it goes 20mph, it has a wattage of 400wats and only has 2 wheels. Can I add it to my policy?
Answer- NO. E-bikes are considered unacceptable risk in Hawaii
If a member calls to cancel their policy and proof is required for that state what is the guideline you would use to send them a cancel request?
Answer- Correspondence & Payment Address then Personal Lines Internal Email Requests
transfer or no transfer? I am calling to get a LOE emailed to me ASAP?
Answer NO transfer we can do LOE and submit as a rush request
Can you name 2 things that renters protection would cover?
Answer- personal property/ medical payments for others/ personal liability/ additional living expenses and loss of use
Are you required to check for vehicle annual mileage when adding on a new vehicle?
Answer- NO we are not required to ask about annual mileage
I live in South Dekota, and I want to add my new E-bike to my current motorcycle policy. I converted it myself; it is a 2012 gogo 681 watt it has 3 wheels and goes 17mph. Can I add this to my policy
Answer YES
I'm a new member and need help. Comprehensive coverage covers theft and vandalism, right? I went to Miami for spring break, and my vehicle was broken into my glass, and laptop screen was destroyed. I am a active member and I am paid in full for the next 3 months, Am I covered?
Answer- with the comprehensive coverage only the vehicle is covered, but the only way laptop would be covered would be if mbr has renters’ coverage.
Transfer or no transfer? Member is calling to see what the maximum discount is or surcharge they can receive while in the program.
NO transfer. You would use the Snapshot: Current Model Maximum Discount/Surcharge State Chart guideline
I live in Alaska; I have a jet engine sailboat and am going on a sailing race in 48hrs. Is this acceptable or unacceptable use?
Answer- Acceptable
What state has their own guideline for proof of prior insurance, and can we update it if the call is in escalation and we see the paperwork?
Answer- New York, & Under no circumstance are we to every update POP for New York.
I am an Orogen member, and I am taking my motor home on a cross-country vacation for the next 120 days. I am taking my passport, my jewelry, my dog, my companies’ laptop, and some clothes. Will they all be covered while on my vacation?
Answer- yes all would be covered except your dog and company laptop.
Extra point What would you advise the member about his pet? We do offer pet insurance and transfer members to department transfer using 271.
When Member calls to update their telephone number is there a mandatory script that we need to read while updating phone number?
Answer- yes. “Would you like reminder calls”? Get reminder calls about payments, policy status, and other important info. This includes calls about renewals and cancellations. We may reach out using any of the phone numbers we have on file for you. Reminders may be autodialed or pre-recorded. They may be from us or made on our behalf.
Transfer no transfer? North Carolina member is calling to add on his 1983 chevy to his personal policy and want comprehensive and collision with liability.
NO transfer we would add vehicle. it is not older than 1981 and member did not say it is a classic or antique
Quick question and I do not want to be transferred. Under my renter’s policy is my dwelling covered?
Answer- NO. For renters’ policy we do not cover dwelling. Renters’ coverage is not responsible for the property or other structures
I am a customer in Michigan, and I am on day 42 of my auto insurance. I noticed today my insurance has increased. Their seems to be no policy changes that me or underwriting made, but I show a discount has disappeared. What discount was the price removed and why?
E sign fulfillment discount was removed. Michigan customers have 14 days from purchase date to complete E-Fulfillment before online forms are no longer available. Discount is not removed until day 42
Texas members: Wife is calling to cancel boat policy for her husband and herself due to a divorce. He is at work, and she handles the bill. Can she cancel the policy and if so what would we advise or send out?
Answer- yes, she can cancel the policy because she is the spouse, and we would want to send a ACE MEMO CANCEL 1
The name insured lives in New Jersey and wants to add his girlfriend’s name to the account so she can speak on his behalf and make changes in the policy. What guidelines will you use and what steps would you need to take?
Answer- Caller Verification - Named Insured copy and paste pretyped note. Document NOTES when NI grants permission to another person (New York Auto Only: Cannot give permission to anyone for vehicle addition/replacement &/or coverage changes)
Transfer or no transfer: We have an irate member who has an increase for their renewal. After reviewing the policy, you see that member had a increase due to snapshot. Members have received 1 star out of 5. It shows members have a lot of phone use. Do you send caller to snapshot or keep call?
Answer- No transfer to cpt or snapshot you would keep call. The only way you would transfer calls would be based on mbrs response. Examples of when to transfer to snapshot: member advise that the data is incorrect/ caller states that they drive for a company/ members ask to be transferred to snapshot/ or if you just don’t know how to explain it and you NEED a snapshot rep for better assistance
I have renters’ insurance with you all. The renter’s department has a 30-minute hold time so please do not transfer me or my call. I just want to know just a simple question if my cousin slips and falls on my property steps are they covered for medical.
Answer- Yes also includes lawsuits and legal fees if sued
I am a member of Delaware, and I am going on vacation for 5 weeks starting tomorrow. I am going to be renting just a regular 2020 Chevy Tahoe with a small trailer attached to it from enterprise. It will be loaned out in my name because I am the named insured for the policy, and I got all my coverage at the correct amounts of those coverages to satisfy the car company. Will the members’ coverage transfer to the rental automatically or does anything special need to be done or do they need to know anything?
yes advise mbr trailers attached to a non-owned vehicle ONLY LIABILTY WILL TRANSFER TO TRAILER.// since mbr is renting vehicle for more than 30 days they need to add the rental car and list car company as lienholder
I live in South Carolina and just purchased a motor home. I am a retired football player and want to know if I can add this to my policy and use it for volunteer emergency services to give back to my community?
Answer- Yes and good on you. South Carolina: Vehicles used in volunteer emergency services are acceptable
I live In Florida, and I have a new PWC (personal watercraft) When adding to account with the CSR they advised they could not find it on the pick list or guidelines. I was advised that I can add it, but I must submit photos of the watercraft to get it approved for insurance. How long do I have to send in the photos for under writing?
Answer- trick question the PWC will never be approved
Transfer or non-transfer. I am a North Carolina member needing a DL123 to send to my state DMV or states motor vehicles division
Answer- NO transfer we can make the DL123 form from our interactive forms list
). I have a boat policy, and I live in California. My brother uses my boat like once or twice a year for a fishing trip. Do I need to add him on my policy because he drives the boat sometimes
Answer- NO since he only operates it 1-2 a year. Anyone who operates the watercraft more than 4 times per year must be listed as an insured driver.