Coverage: Damage to Your Auto
This is when the company makes a change to the policy
Endorsement
Insured struck two pedestrians in a crosswalk, both suffered severe injuries. What is the most we will pay for each claimant according to the policy?
AZ: pg 9; limit of liability for ‘each person’ as shown in the Dec is the maximum we will pay for BI sustained by any one person in any one accident
FL: P. 10 Paragraph 1; Subject to the bodily injury liability limit for “each person”, the bodily injury liability limit for “each accident” as stated in the Declarations is the maximum we will pay for bodily injury sustained by two or more persons in any one accident.
The ability to understand and share the feelings of another
Empathy
This is the year Farmers was founded
1928
Highest seed to reach this years Final Four
UCLA
List 3 examples of “additional equipment” as it’s defined in the policy .
FL: P. 42 Additional Definitions #2
Permanently installed stereo equipment
Custom paint and exterior body panels
Custom wheels and tires
Equipment to modify vehicle height on both raised and lowered vehicles
Custom seats
Safety or alarm devices.
AZ: pg 26, e.g. custom paint & body panels, custom wheels & tires, equipment to modify vehicle height on both raised & lowered vehicles, custom seats, alarm/safety devices
You rented a vehicle in the UK. Does this rental meet the definition of a non-owned auto?
FL: No, pg 3 #14, b. The rental vehicle is operated within the United States, its territories or possessions, and Canada
AZ: no; pg 3 definition for non-owned auto, letter b.
Name two benefits of assigning claims via warm transfer
- the claims process is set in motion sooner
- they are able to file the claim and make contact with their adjuster in one call
- they are able to talk to the adjuster while they have time
- pending questions/issues can be answered right away
- hold times are decreased
Name the Zone Manager for your office
James Fiorucci or Melvin Grant
This team went to the NBA Finals 5 years in a row from 2015-2019
Golden State Warriors
If insured wants to have his windows tinted along with the repairs being done for loss-related damages to his covered auto, will we pay for it?
AZ: No; pg 28 exclusion # 13
FL: No; P. 44 Exlusion#13
The insured has a named driver exclusion for her son. The son was involved in a loss in the insured vehicle. What coverages will not apply?
AZ: Liability, Medical Payments and Damage to your Auto
FL: PIP/PD
This is the "H" in the HEARD model
Hear what the customer is saying
This is the year Farmers acquired Bristol West
2007
Oscar for movie of the year in 2020
Parasite
What does the policy say regarding types of parts we may utilize on “your covered auto, non-owned auto or additional equipment”?
FL: P. 47 Limit of Liability; #1 We reserve the right to make payment for repairs or replacement of property with other property of like kind and quality, specifically including the vehicle age, use and condition and/or parts supplied by a source other than the manufacturer of the vehicle such as aftermarket, used, recycled, rebuilt, restored, or exchanged parts.
AZ: pg 30 #1; like, kind & quality…, and /or parts supplied by someone other than manufacturer such as aftermarket, used, recycled, rebuilt, restored, or exchanged parts
The insured has a named driver exclusion for her son. The son was involved in a loss in the insured vehicle. What coverages will not apply?
CA: All
AZ: Liability, Med Pay, Collision
FL: all except PIP/PD
This is the "A" in the HEARD model
Apologize for their loss/situation/difficulties
This is the president of Bristol West
Bronwyn Koopman
The number of seasons The Voice has had
20
If your covered auto is deemed a total loss, we will make adjustments in order to determine the actual cash value of the vehicle. What are these adjustments?
FL: P. 48 #4; In the event of a total loss, an adjustment for depreciation and physical condition will be made in determining the actual cash value of the vehicle.
AZ: Pg 30 # 4 adjustment for depreciation and physical condition will be made in determining ACV of the vehicle
Our insured gets into a loss while driving an unlisted vehicle. Upon investigating the claim, you discover that the vehicle belongs to his friend John--John leaves that vehicle at our insured's house for the insured to use, as insured is in-between purchasing a new vehicle. Insured loses control on ice and strikes a mailbox. Will we cover the PD?
AZ: no, pg 8 #12. Additionally, does not meet definition of “non-owned auto” on pg 2 #11, as the vehicle is available for insured’s regular use
FL: No. Does not meet the definition of Non-Owned Auto. P3 #14. Non-owned auto means any private passenger auto, pickup, van or trailer not owned by or furnished or available for the regular use of you or any family member while in the custody of, or being operated by, you or any family member.
This is the "D" in the HEARD model
diagnose the interaction
These two were the founders of Farmers Insurance
Thomas Leavey and John Tyler
This song was streamed the most in 2020
The Weekend "Blinding Lights"