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Auto
Misc.
General
Quoting
Coverage
100

In AQI for auto there is a set of questions that we don't ask in Ontario-  what are they?

  • Medical Questions – In AQI you will see medical questions. For sales we should be asking if the driver has suffered from a heart disorder, epilepsy, diabetes, defective vision or hearing, or any other physical or mental disability which might affect the safe operation of a vehicle. If “Yes” – please add details of the health situation.

100

What are the requirements for driver's training in Alberta?

  • There are no DLHs available in AB – request the certificate instead, same rules as ON apply (classroom and in-vehicle component, completed within the last 3 years)

100

True or False.  Is a credit check done for Auto quotes?

True. 

100

What question do we need to ask when quoting in Alberta?

Is there U.S. exposure?

100

If a client has hail damage or multiple hail payouts is there a coverage that we may have to request?



      • There is also 13H ‘deletion of hail coverage’. This endorsement excludes loss or damage caused by hail under Section C (Physical Damage). It is to be used when there is unrepaired hail damage to an insured vehicle. There will be no reduced premium.

200

Why do we need the occupations for Alberta auto?

  • We need driver occupations for auto quotes, professional discounts may apply. We need to enter the occupations in RS and AQI

200

If a client has one CNP on auto is there anything that we need to keep in mind?

  • If client has had 1 CNP within the last 3 years, the carriers may request the client to pay the yearly premium in full. If forced full payment is required, follow the  Obtaining Payment Information at New Business on Charlie

200

Do you have to get the credit check in Rating Services to do a quote?  Yes/No

If they are calling the queue we have to confirm they heard the IVR and have no questions.  If they came from a transfer or from the backdoor number 0639 we need to read the General Consent listed in AQI.

200

Gaps and Lapses.  Are we looking at the total amount of gaps or the individual gap to determine the 24 month rule? 

Individual gaps. A referral is not required unless the individual gap is more than 24 months.

200

What are the differences in Accident Benefits in Alberta?

There are no optional buy-ups. No need to go over Accident Benefits for Alberta auto policies.

300

Is there anything different in Alberta with ODHH requirements?

If there are ‘Other Drivers’ living in the household, we are still required to ask whether they will be using the policy holders vehicle(s). We will still attempt to obtain their information, however, if the policy holder refuses to provide these details, stating that the other driver(s) will not drive the vehicle(s) is sufficient and no further action can be taken on the policy. If there is a regular and frequent operator of a vehicle then we must follow up and obtain the driver’s information.

300

Full payment prior to binding message may be present in RS in what scenarios?


  • Poor credit history

  • Credit consent was declined

  • Carrier requirement

300

Storms tend to hit with more severity in Alberta. List 3 weather patterns that have hit Alberta hard and put clients at risk for claims related to these weather patterns.

1. Flood 

2. Forest Fires 

3. Hail damage

300

If the client discloses US exposure.  What should we do?

U.S. exposure- referral and surcharge may apply, refer to carrier manual.

300

How would you explain 13d to a client?


  • What is the 13D: This endorsement restricts glass coverage to Specified Perils and Vandalism to windows other than the front window.

400

What are some differences in Tort Law?

This means:


    • Damage that an insured person does to anyone else’s property, including damage to someone's automobile, is paid out under the ‘Third Party Liability’ coverage of the ‘At-Fault’ third party. (There is no DCPD).
    • This means that if a person is considered ‘Not at Fault’, they would go to the ‘At Fault’ third party (their insurance policy) to claim for their damages. They may also sue the person driving the car that injured them for less serious bodily injuries, economic losses, and pain and suffering (there is no threshold).
400

Entering accidents into RS.  What are the 3 things we need to remember?

1. claims payouts 

2. there is no DCPD 

3. we need to enter the correct liability and collision - it affects the split driving records

400

How many hours is Alberta time behind Ontario time?

2 hours

400

Do we put the effective date or the date we are quoting for the Grid Relevant Date?

Effective date.

400

Do you need a client to sign and return the 13d endorsement form in Alberta?

No.

500

Auto Insurance in Alberta is based on ____

Tort Law

500

What is a vehicle inspection report?

Vehicle Inspection Report may be required for vehicles 12 years or older depending on the carrier. Refer to the VIR document on Charlie

500

Can you do a quote without the registered insured or if the client doesn't accept the credit check?

Yes.  You just can not apply the credit if you didn't read the consent and the price will be higher. 

500

What field in Rating Services for Auto should we leave blank?

  • ‘Company Insured’ date field should be left blank, entering in a date may generate a loyalty discount that the client may not be eligible for, refer to carrier manuals to confirm discount eligibility

500

What is the difference between our standard quote in Ontario and our standard quote in Alberta?

In Alberta we quote with 13d standard -



      •  13D: Quote with $500 collision and comprehensive deductible (not all perils)