Vehicles
What is required for the Annual Mileage Discount
Beginning and ending dates and Odometer Reading and the vehicle must have been driven under 7500 miles in the last year.
What is Compulsory Bodily Injury?
20/40 state required liability coverage, limit cannot be increased, provides coverage in Massachusetts on public roads
A deer jumps in front of your car and hits your windshield, assuming there is full coverage in place, what coverage would respond and would there be a deductible?
Comprehensive coverage; Assuming there is vehicle body damage, the payout would be after deductible amount selected on the policy. If no body damage there would be no deductible for the glass coverage
This is a discount where you have 2 or more vehicles insured with Amica
Multi Car Discount
This endorsement can be added to a vehicle only if done so within the first 30 days of the vehicle purchase, what coverage is it?
GAP - Auto Loan/Lease ends
What is the amount you agree to pay your insurance company when you are at fault for an accident called?
Deductible
If a customer gets into an accident and is hurt by a driver who does not have sufficient coverage, what part will kick in?
Part 12 - Underinsured Motorist. This provides additional coverage on top of what the driver has to fill the gap of liability.
Luke calls in to say his car was just hit but he cannot identify the driver. He has liability only on his policy, How will his insurance respond to the damage to his vehicle?
It will not respond because he does not carry Collision Coverage on his policy. Repairs will be out of pocket.
The customer will lose these discounts upon the renewal of the policy if they un-enroll themselves
Autopay and E-Discount
What coverage can be added when a vehicle has over 20k miles and is under 10 years old?
OEM -
What documents can be found in the Drive Packet?
Fax Cover Letter, RTA, Front and Back of Title
Window Sticker(new vehicle only)
What 2 parts must be equal to or less than this other part? and why?
3/12 equal to or less than part 5
unable to protect yourself w/higher limits than you would carry to protect others you may injure
Michael is stranded on the side of the road, he calls in for Towing assistance which he has. He gets gas put in his car to get him to the nearest gas station, but as he goes to start the car, it wont turn over. Is he still covered? If so, to what extent?
Yes he is still covered as towing provides basic disablement coverage which was the gas, but this coverage also includes towing up to 50 miles.
What discounts can new drivers be eligible for?
Driver Training, Advanced Driver Training & Good Student
If an inexperienced operator has no points, gets pulled over for 2 speeding tickets, how many points do they have now?
02 - the first moving violation does not impact the SDIP, the second one is applied.
When a vehicle is owned with a loan, the Loss Payee is listed. What is listed when the vehicle is leased?
FID, Lessor, may or may not have a Loss Payee
What 3 things does PIP cover?
Medical Expenses, Replacement Services, 75% of Lost Wages
What is the recommended Substitute Transportation limit for a vehicle that is in the shop for maintenance?
There is no coverage due to wear and tear; The recommended limit for rental coverage for an auto that was in an accident or covered loss is $40/$1200
These discounts are applicable for a vehicle for safety features, what are they? (5)
Electronic Stability Control, Passive Restraint, Anti Theft, Forward Collision Warning, Adaptive Headlights
1. What would you need to do to Lay Up a vehicle?
2. Would we do anything differently if the vehicle is financed or leased?
1. Code Lay Up, Reduce UM & UDM to 20/40, Reduce PD to 5k, remove OBI, remove Coll and Sub Trans
2. Typically we would keep Collision Coverage unless insured has verified w/the lienholder to remove it
When issuing an RTA, what information is needed?
Year, Make, Model, VIN, Date of Purchase, seller info, insured driver & address info, lienholder info if financed, etc
Why is Optional Bodily Injury important?
Provides coverage outside of Massachusetts and on private roads. Also impacts your Auto policy renewal rate, the higher the limit, the better the rating factor.
These parts of the policy provide coverage for your vehicle, what are they?
Collision, Limited Collision, Comprehensive, Substitute Transportation, Towing
This discount is provided to a customer on their birthday, what discount is it?
Do they need to notify us to add this discount?
65+ Discount
No, the system will automatically prompt us to add this discount
What are the 4 types of operators and describe them
Deferred - rated elsewhere
Principal - lic less than 6 years; over 65; equal cars to operators
Occasional - lic more than 6 years; under 65; more ops than vehs
Excluded - rating put on hold, cannot drive selected vehicles