Auto Coverage
The dollar amount an insured pays out of pocket after an accident and insurance company pays the rest.
What is a deductible?
The discount received by signing up for an automatic payment plan with a bank account and routing number.
What is Easy Pay Plan?
The document you send to a customer to prove they have current insurance to buy a car or show an officer.
What is an ID card? (AKA POI)
The preferred company line for auto policies.
What is line 10?
What you need to ask a customer to gain additional information about what they need and to be sure that you can handle the request.
What are probing questions?
The coverage you need to have on your auto policy if you lock your keys in the car.
What is roadside assistance?
The discount received on an auto policy for also insuring a home or other property with the same principal company.
What is Multiple Policy?
The document a customer requests to show any claims or lapses in coverage over the last five years.
What is a Letter of Experience?
The current knowledge tool containing thousands of pages of information including step by step instructions, procedural guidelines, and definitions of terms.
What is RightAnswers?
A type of endorsement that requires information such as: year, make, model, VIN, odometer reading, or lienholder.
What is add/replace vehicle?
The coverage a person needs that can pay for damage caused by fire, theft, or hitting a deer.
What is Comprehensive? (AKA Other than Collision)
The discount applied to a policy for a driver who is less than 25 years old, unmarried, and has a grade average of a B or higher or its numerical equivalent for all subjects combined.
What is Good Student? (AKA Smart Student)
The papers that contain detailed policy information including operators, vehicles, coverages, limits, policy period, and lienholders.
What are Declaration Pages? (AKA Dec Page)
Process by which we ensure that we are speaking with the named insured about the correct policy and have accurate contact information.
What is Authentication and Verification?
The type of change needing to be made to the policy when a customer no longer resides at the current address listed on the policy.
What is an Address Change?
An optional coverage that pays for a replacement automobile while the damaged vehicle is being repaired or replaced for a period to exceed no more than 30 days.
What is Transportation Expenses? (AKA Rental Car Coverage)
The discount applied to a customer's policy for keeping all payments current for the previous 12 months.
What is Responsible Payer?
The evidences required to start a policy at the quoted price, including signed statements declining coverages, proof of prior insurance, or proof of discount qualifications.
What are Trailing Documents?
The steps that we follow on every call to ensure consistency across the organization, that we act within our level of authority, and meet the customer's needs.
What is Standard Call Flow?
The type of policy request in which the customer is provided information regarding a potential change and then the changes must be deleted.
What is a 'What if' scenario?
The coverages that make up what is called liability and is required by law in most states.
What is Bodily Injury and Property Damage?
The discount given to senior citizens, for a private passenger vehicle, who are not presently gainfully employed or actively seeking full time employment as long as there are no drivers under the age of 25 on the policy.
What is 55 and retired?
The customer called in because they need to esign some documents so their new policy can be processed. The documents include temporary ID Cards, a checklist of all required documents, required trailing documents, an insurance summary, and our privacy statement.
What is the Pre-Issuance Package?
The differences that occur within specific boundaries by which the laws of insurance are defined for that region.
What are State Specifics?
A verifiable ownership in the property to be insured that entitles the owner to indemnity.
What is Insurable Interest?