MI
Reform
Reform
The named insured must be cover by_____ to qualify for $50,000 PIP coverage option
Medicaid OR
*Personal Injury Protection (PIP Medical)
What is the process to increase market value on a boat policy that has total loss replacement coverage?
Total Loss Replacement/Agreed Value:
Market Value of Watercraft> step 3
In the state of Michigan. What’s the difference between opting out at $250,000 and No coverage?
Eligibility.
The No Coverage option is only available in certain situations where the named insured is covered under Medicare parts A & B. The $250,000 with exclusions (option 4) is available if named insured would like to opt-out some or all members of the household from PIP Medical expense coverage and if those members of the household are covered under a qualified health insurance plan.
*PIP medical FAQ
This can be updated in 8.26,8.30 & 8.40 rate revision. As long as customer hasn't had
Proof of prior insurance
*Customer Preservation Toolkit>rewrite> proof of prior 8.40
WLU request requires ___policy changes to complete the process
2
*Winter Lay Up (WLU) Program Requests> general guidance
The named insured must be insured with Qualified Health Coverage to be excluded under this coverage option. ______& ______ are not acceptable for the named insured for this coverage option
Medicare & Medicaid
*Qualified Health Coverage>$250,000 with exclusions policies (Option 4)
In the state Michigan. What is the process to issue a duplicate PIP form when the prefilled information does not match & esign is not an option
follow: form not received 1. Process coverage limit change & add, change, or delete household members excluded from PIP (Medical) coverage, if needed.
2. Select No for "Do you have the signed form(s) for the following change(s)?" question on the Action is Required page
3. Select appropriate delivery method for "Get the required forms
*Personal Injury Protection (PIP Medical)?How to Issue a Form>Form not received
In the state of Michigan are excluded and list only drivers eligible for PIP?
Yes. Household resident relatives are eligible for PIP, regardless of the driver status.
*PIP medical FAQ
Ni qualifies for this once they have reach 4year claims free. Increasing deductible is a great savings technique especially since deductible would be completely waived
disappearing deductible
we can raise deductible to limit as long as we inform customer deductibles reset after a claim
True/False: Grandfathering customers in states that have been removed from the program is acceptable
false: Grandfathering customers in states removed from the program are not allowed for WLU
*Winter Lay Up (WLU) Program Requests> General Guidance
When you see this message what 3 things should you check?
Message - The Number of Household Members Excluded from PIP Coverage Cannot Exceed the Number of Total Residents
*Message - The Number of Household Members Excluded from PIP Coverage Cannot Exceed the Number of Total Residents
Winter lay up True/false: Ni is calling in to restore coverages prior to restoration date. under important messages you see "retrieve schedule activity" is the correct process to delete activity then process policy change to pre lay up conditions
false: Restore coverages back to the pre-Lay Up limits by processing the scheduled activity listed in the Important Messages. Effective date must be changed through the "edit" option.
*Winter lay up program request>Request to Restore Coverage Before Selected Date> Step 3
Disappearing deductible applies to comprehensive and collision claims, Disappearing deductibles does not apply to____ ____ deductible?
Named storm deductible. Disappearing Deductibles will not be applied to an NSD claim
>Named Storm Deductible> additional information
This is a rating factor in the state of California.____ ______review should only be in response to a customer inquiry. Do NOT proactively offer to review as part of a policy review.
Annual miles
Customer Preservation tool kit- Annual Miles
Which state does not offer winter lay up Colorado, Minnesota, New York, Montana, Mississippi, Washington?
Mississippi
Alabama, Arizona, Arkansas, California, Florida, Georgia, Hawaii, Louisiana, Massachusetts, Mississippi, New Mexico, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas
*Winter Layup program request> General guidance
For New business the eSign option is no longer available for PIP medical option after how many days?
14days
AA as of 2020/01 & MTH as of 2019/10 - BI & PIP forms: Follow-up action is taken to uprate coverage if Progressive has not received valid forms
E-Sign - Timeline of Events
True/false. you notice an accident on NI driving record. source code is showing application status. Ni doesn't remember when accident occurred but felt compelled to disclose all accident she has had in her life. in order to remove this proof must be submitted
False: Proof is not required if valid details of the accident are provided by the caller.
confirm caller hasn't had any other driver license in another state. accident /violation can be removed
*Accident dispute>Application only
Total Loss Replacement is available for new (not previously owned) boats that are current model year or ___ year prior and purchased within last ____months.
1 year & 13 months
Total Loss Replacement
An optional program that uses a device connected to the OBD port of the customer's vehicle OR mobile app to collect information about the customer's driving habits.
Snapshot
True/false: Step 2; When restoring coverage if the renewal policy is in nonrenewal or not renewed the customer is ineligible for winter layup
false: We would add processing indicator: Process change after renewal.
2. Add to note text: Process the following changes effective: 3/1 or 4/1 (Select appropriate restore date, if inception date is before to effective date process effective inception). Process the following coverage changes: (Include all coverages that are needed to restore coverages to pre-WLU limits.)
Update the WLU field to "No."
*winter lay up program request>policy change 2-restore coverage> step 3
This Pays for expenses, up to $20 a day, for ordinary & necessary everyday tasks an injured person is no longer able to do (e.g. housecleaning, cooking, yard work, etc.).
Replacement Services/Personal Injury Protection (Work Loss/Replacement Services)
Personal Injury Protection (Work Loss/Replacement Services)
In the state of Michigan. What is process to update PIP medical exclusion when a driver is deleted from or added to a policy
To access household member information: Select Yes to "Manage PIP Exclusions" on the "Select Coverages" page.
To exclude a household member from PIP (Medical) coverage:
1. Select "Remove another Household Family Member from your PIP (Medical) coverage."
2. Enter the full name & date of birth for the excluded household member. Do not enter a fake date of birth.
*Personal Injury Protection (PIP Medical)>Add, Change, or Delete Excluded Household Members
True/ false: An excluded spouse can grant permission to run Financial Responsibility/credit on a rated spouse
True
Customer Preservation: FCRA & Credit Questions>Ordering Financial Responsibility For the Spouse
When combining policy with spouse what are other things to consider when a customer gets married?
Address change
Note: Offer new business quote based on spouse’s underwriting/credit information if the best Customer Preservation tool is to rewrite
Customer Preservation - Consolidate Due to Marriage
What must we inform Ni when adjusting liability limits and Ni has a non-Progressive umbrella policy?
Non-Progressive Umbrella: Inform customer that minimum limits may not meet their umbrella company's qualification requirements for umbrella coverage
Winter Lay Up (WLU) Program Requests>enroll> Step 3