Coverage
Johnny, our customer in Texas, only wants to have his liability at the lowest he can go....what liability coverage limits are the lowest we can offer him?
Minimum Limits 25/50/25 or 75 Single.
How much personal property coverage comes with the Basic Roadside Assistance? (BRDA)
None, personal property coverage is only available on Premier RDA at a $500 limit.
Where do I find the documentation requirements along with LEASE details for a Nissan North America employee lease?
Link from the agent code or the A-Z procedure for Nissan North America Requirement
customer says "I want to put my car on STORAGE MODE." What procedure would I pull up?
HICLE - CHANGE TO EXISTING - DELETING LIABILITY AND COLLISION
("COMP" ONLY VEHICLES)
an optional coverage that provides coverage, in the event of a covered loss, for any difference between the actual cash value and the unpaid principal balance due on a loan for a purchased vehicle or remaining amount due on a lease term
Loan/Lease Gap
Which coverage (s) would provide medical coverage for me and the people in my vehicle regardless of who causes the accident?
Medical Payments and Personal injury Protection (Med Pay and PIP)
It applies to accidental losses caused by upset of a covered auto or its impact with another vehicle or object, other than a bird or animal, regardless of who is at-fault in the accident. It also covers an auto that is parked and struck by another auto
collison
What procedure would I look in if my customer indicates the car would be solely owned by their son who is living in the home with them?
Vehicles Owned By Resident Relatives / Insurable Interest
Caller states that our customer passed away and they are calling to let us know. What procedure do I pull up?
Business Center - Service > PROCEDURES > ISR > Named Insured Deceased
coverages protect our insured when they are involved in an accident and found to be legally obligated or responsible for payment of the damages (e.g. repair the other car struck in the accident, pay the medical bills of the pedestrian they hit). • Coverages include Bodily Injury (BI), Property Damage (PD), and Supplementary Payments such as bail bonds and loss of earnings (in most states).. : No deductible applies
Liability coverage
What does PIP cover that MED PAY does not?
Pip covers medical expenses, work loss, replacement services, funeral expenses and survivors benefits. Med Pay only pays Medical expenses.
pays to replace a vehicle with a new model when there is a covered total loss on the endorsed vehicle, less the applicable Comprehensive or Collision deductible
New Car Replacement Coverage (Replacement Collision Coverage in non-QA2)
I have a customer who has more than 4 cars on a Q1/Tap/Legacy policy, what procedure should I follow to get coverage an additional car more?
VEHICLE - FIFTH VEHICLE POLICIES: QUANTUM / QUANTUM AUTO 2.0
Named insured wants to add a vehicle that will be solely owned by their child. What procedure do I pull up?
VEHICLES OWNED BY RESIDENT RELATIVES / INSURABLE INTEREST
Has both Split and Single
Bodily Injury Liability
What coverage is included in "FULL COVERAGE"?
In general this means Liability, Uninsured/underinsured motorist, medpay/PIP and Physical damage coverage. However, some customers expect this to include ALL coverage offered including ETE/RDA. Be sure to clarify with your caller.
George backed his car into a pole in the grocery store parking lot. Which coverage will fix his car? Which coverage will fix the pole he knocked down?
Collision for the car, Liability property damage for the pole.
If a customer with 8 vehicles on a policy already wants to add another, what do I do?
Quantum Auto 2.0: Up to 8 vehicles can be added on one policy. Fifth vehicle policy is not required. Requests to add more than 8 vehicles: Call Assigned Underwriter• AU not available: Opt out for next available UW---VEHICLE - FIFTH VEHICLE POLICIES: QUANTUM / QUANTUM AUTO 2.0
"I need to remove my Ex-wife from my policy?" Which procedure do I need to pull up?
DIVORCE / SEPARATION SITUATIONS
What is the minimum Bodily Injury limit in MD
30/60/15 split or 75 single
Janet is the at fault driver in a car accident. 2 people in the other car were injured. The first person had $25,000 in medical bills and the 2nd had $75000 in injuries. Janet carried 50/100/50 liability limits. How much is covered?
We would cover the 25k and 50k, so total of 75k
In the state of Pennsylvania, a customer wants to know what TORT coverage is. How do you explain TORT in a simplified way to the customer?
Limited Tort (QA) - limits the right to sue for pain and suffering. Full Tort (QB) - gives unlimited rights to sue for pain and suffering.
TORT is the ability to sue for the intangible dollar amount for 'PAIN and Suffering" due to an accident. You can still sue for tangible amounts such as medical bills, loss of wages, essential services and funeral costs.
The VIN is not pulling thru a vehicle when I am trying to add it in CDE. What procedure do I follow?
Business Center - Service > PROCEDURES > ISR > AUTO SPECIFIC > Vehicles Page > VIN - System Unable To Identify / Derive
Becky was driving to work and was hit by someone. The other driver drove off. What coverage will take care of her injuries
Uninsured Motorists
provides coverage, by endorsement, for the expense of renting a substitute auto, or other transportation expenses, while the insured's covered auto is disabled by a collision or comprehensive loss covered under the policy.
ETE (extended transportation expense) aka Rental Reimbursement