Show:
The Basics
Name that coverage
Comprehensive vs Collision
Ways to keep costs down/discounts
MISC
100
An auto policy is a ..............between you and your auto insurance company.
What is a contract
100

Coverage that pays for damage you cause to someone else's property

What is property damage liability

100
Abby has a tree branch fall on her car. Which coverage does she need?
What is comprehensive
100
Discounts given to students with B or better averages
What is good student discount
100

What are two resources you can use when you need to find an answer?


Bonus: name a third resource

ASK

Sharepoint/Intranet

welcome email- links to folders 


200
An auto insurance policy protects you against...................?
What is financial loss
200

What are the three benefits of part II on MA auto

Personal Injury Protection (PIP)-8K per person

1. Medical payments

2. Replacement Services

3. Lost Wages 75%

200

Alana was driving during a snow storm and looses control of her vehicle, and hits a guardrail. What coverage will she need on her policy for damage to her vehicle?

What is collision

200

More out of pocket expense for insured when in an accident

What is High deductibles

200

What do these #'s stand for? 250/500

What is per person/ Per accident

300
What you pay monthly to keep your contract in good standing is .................
What is a premium
300

Our insured has injuries from a hit and run accident and unable to identify the driver. What coverage is needed?

What is uninsured motorist

300

My car was stolen. Which coverage do I need and what will I need to do within 24 hours?

What is comprehensive

contact police and/or fire dept and insurance company

300

What are the three billing discounts we offer on auto

Paid in full

Autopay

Electronic discount

300

What coverage is mandatory in MA?

Parts 1-4 BI, PIP, PD and underinsured motorist

400
The amount you agree to pay your insurance company when you are at fault for an accident
What is the deductible
400

Reimburses or pays for the damages to your personal auto regardless of who is at fault

What is collision coverage

400

Name three losses that would be covered under comprehensive/other than collision OTC?

Glass coverage

Fire, theft, vandalism, flood, impact w/ an animal

400

This discount is provided to a customer as soon as their birthday happens, what discount is it?

65+ Discount; manually updated on a policy

400

What does roadside assistance cover

tow up to 50 miles

fixing a flat

jumpstart

unlock your door

500

The page in your policy that shows the name and address of the insurer, the period of time a policy is in force, a description of the vehicle, the amount of the premium, and the amount of the coverage.

Declarations or coverage summary page

500

This coverage is mandatory in MA and only covers you in MA

What is compulsory bodily Injury. Also, known as Part 1

500

What is the difference between collision and limited collision, and can you have both?

collision covers regardless of fault- responsible for a deductible.

limited collision- cheaper to have then collision. Usually for older vehicles. Other party has to be 50% or more at fault- deductible should always be $0

you cannot have both

500

If an insured's child will not be home full time, what are the options you could offer?

What is student away or exclusion

500

IN MA there are four different operators. List them and what they mean?

Deferred- HH member - has their own policy. No premium.

Principal Operator (P.O.)- 65 and over or inexperienced with same or more vehicles, then drivers

Excluded- exclude from one or all vehicles. can remove exclusion up to two times in a policy period

occasional- automatic- nothing needs to be done