Drivers
explains the difference between single limits of liability and split limits of liability
Split limits have a limit per person and per accident for Bodily Injuryand per accident for Property Damage. Single limits have a limit per accident
Ms. Hughes is moving this weekend and needs to rent a moving truck. Ms. Hughes wants to know if her existing Travelers auto policy covers comprehensive, collision and liability on the truck or if she should purchase the insurance offered by the rental company?
Liability coverage will extend to the moving truck, but she'll need topurchase coverage for comprehensive and collision from the rental agency
You receive a call from Agent Laura, who wants to quote a new risk in Kentucky. The problem is that she doesn't know whether to quote one policy or two. Dad and mom own two vehicles, then Dad and Junior (who lives in the household) own a third vehicle. Can Laura write all these vehicles on the same policy, or should she issue a separate policy for the third vehicle?
Issue one policy; list dad and mom as Named Insureds
Allison was on her way home last night when a deer jumped in front of her car. What coverage will pay to repair Allison's car?
Comprehensive
CCC Customer Kelly isn’t sure how she got connected to the Business Center. She thought she was talking to her agency and wants to make sure she knows what number to call in the future for policy changes. Your response should be
Your agency and Travelers have partnered together to make sure you are provided the best customer experience. You can call 877- 872-8737.
Joe was the victim of a hit and run accident and incurred $85,000 in medical bills. Joe carried Uninsured Motorist coverage of 50/100/25. How much could Joe collect from his Uninsured Motorist coverage?
$50k
What documentation must be kept on file if a UT customer wishes to reject PIP?
PIP is mandatory and cannot be rejected
As Barbara was driving to work yesterday, a rock hit her windshield leaving only a small chip. If she takes her vehicle to an approved glass shop to repair the ding, how will her claim be paid under her Georgia Auto policy?
Comprehensive (no deductible)
John carpools with his co-workers. On John's day to drive, his car slid on ice and skidded off the road. There were four other people in the car that day. Fortunately, they were all wearing seatbelts. If John carried $5,000 Medical Payments coverage on his IN policy, what is the maximum amount payable?
$5,000 available to cover medical expenses for each occupant of the vehicle
If a customer trades in a vehicle on Saturday and is unable to notify us until Monday morning, what coverage willbe automatically extended to the vehicle purchased? (Assume this is a Georgia Auto policy.
Same coverage as the vehicle it is replacing for 30 days, then liability only
Agent Dan is writing a Maryland Quantum 2.0 auto policy. He calls to ask what is included in Premier New Car Replacement® package
Loan/Lease Gap Coverage|| New Car Replacement Coverage|| $50 Glass Deductible
Dan is quoting a SC Quantum 2.0 Auto policy. He'd like to add a package that would offer the customer a decreasing deductible. Which package should he add?
Premier Responsible Driver
ASO customer Tara calls on Saturday and wants to update her policy because her son just got his license. Her agency is closed, and does not want to wait until Monday to make the change. How should you handle this call?
Process the change and send an Agency Alert
Frankie, an agent, calls as his Quantum auto customer would prefer a 6-month policy instead of an annual policy. How should he handle this situation?
1
Advise we can convert the policy at the next renewal. Advise himyou'll take care of this for him. Assign work to have the policy updated
You receive a call from Rob, an OH agent, who is inputting a new Auto policy. Rob's customer has a 17 year old son who has taken driver training, but the customer forgot to bring in a certificate. Rob wants to go ahead and issue the new business, but he isn't sure whether to give the driver training credit. What should he do?
Give the credit; driver training is required in order to get a OH license so the insured doesn't have to provide proof
Jackie has a California auto policy. She was in an accident and her vehicle was declared a total loss. Jackie carries Comprehensive, Collision and also has the New Car Replacement endorsement on her policy. How will her policy respond?
Pay for a new car of the same make and model, less the deductible
Agent Ben issued a new PA Quantum 2 Auto policy for Earl and Jane Martin with the defensive driving course date on the policy for both drivers. Earl and Jane completed the course 4 years ago. Ben wants to know why the discount is not changing the premium. Both drivers have clean MVRs and they are both over 60. How should you respond?
Defensive driver credit is available only when the course has been completed in the last 3 years
Javier has an open claim from 3 weeks ago. He has some questions that only his claim handler can answer, but neither he nor his agent can reach the assigned claim handler. The agent transferred Javier to Travelers hoping for a resolution. Select the best way to take care of Javier’s needs during normal business hours
Express empathy for Javier’s frustration, locate the assigned claimoffice telephone number, and proceed to connect (warm transfer) Javier with the claims professional
Agent Julie calls on 8/15. She needs to remove a 2010 Volvo from her customer's policy. The vehicle was involved in an accident on 8/1 and has been declared a total loss. What effective date should be used for this change?
2-Aug
Craig, a new policy holder in New York, is upset that we changed the Uninsured Motorist Coverage from 50/100 to 100/300 to match his bodily injury limit and wants to know why. What is a valid response?
The UM form must be signed and returned to keep lower limits.