Kip
When does the customer get a discount for taking an accident prevention course?
The principal driver of the auto is required to have a completion certificate, dated within the last 36 months, certifying that the driver has successfully completed any driver improvement course approved by the Department of Motor Vehicles (DMV).
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How many miles will our Roadside Assistance tow a vehicle for no out of pocket expenses?
15 miles
Provides reimbursement to the insured and others, without regard for the insured's liability, for medical or funeral expenses incurred as the result of bodily injury or death by accident under specified conditions.
Med Pay
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What type of homes qualify the auto customer for a home owner discount?
Single family home, condo, townhouse and in some cases mobile home.
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When can a customer have two NGIC policies in the same household in North Carolina?
A child owns her/his own vehicle or unrelated residents are living in the same household.
Product Guide: NC
In rare circumstances a person may not be able to produce a land based utility statement, current homeowners or renters Declarations page or property tax bill for proof of residency. What documents can they use instead to show proof of residency?
The following proof documents are required to be dated within 2 – 3 months of the policy effective date or dated for the current year if the document is only printed annually. Any sensitive information is required to be blacked out.
Pay stub.
School record showing enrollment at a local school or university.
Unemployment stub/receipt.
Federal or state government documents such as Social Security statement, Medicare statement, or Medicaid statement; quarterly tax statements; or general state benefits (e.g., Supplemental Nutrition Assistance Program [SNAP], previously called food stamps).
W-2 for the current year. This proof can only be sent in between January and May.
Note: Documents received outside of that time frame are unacceptable and another form of proof will be required.
Military Identification including proof that the insured is stationed in state (e.g., document on government letterhead).
Note: If Military ID card is provided as proof, the ID barcode is required to be covered as it may contain sensitive information.
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When can renter's insurance for the dwelling be added to the auto policy?
At new business and midterm.
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What are benefits of Suredrive?
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Applies when an insured has more than one policy with National General or an affiliate.
Multi-policy Discount
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What is a letter of experience?
A letter of experience for insurance is a document that summarizes your insurance history. It can be requested from your current or former insurance provider.
What is artisan usage of a vehicle?
Applied when a Private Passenger Auto (PPA) is used to carry tools and incidental supplies from the insured's home to a job site. -No more than 2 visits per day.
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How long can a person rent a car with the auto protection plan if their car is in the shop from an accident?
up to 10 days
New Hire guide
Pays the insured or their beneficiaries a set amount of money if the insured's death or dismemberment is the direct result of a covered loss.
What is Accidental Death and Dismemberment.
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When does the customer get an inexperienced operator surcharge?
20 years old or older and licensed less than 3 years; learner's permit, foreign and international driver's license experience.
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What age of driver is unacceptable in the state of Florida?
Under 15 and 80 and over at new business only.
Product Guide: Fla Personal Auto/RV
What is a nondriver?
A nondriver is any household member who does not have a driver license and does not ever expect to obtain one and does not drive and does not ever expect to drive. This category typically includes, but is not limited to, household members with impairments that prevent them from driving and elderly people who have surrendered their driver license.
A nondriver also includes a household member who is incarcerated once an official court document is received. This is applicable for states that do not allow excluded drivers.
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Both accidents are charged.
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Allows the insured and members of the household to seek financial compensation for medical and out-of-pocket expenses as well as pain and suffering and other non-monetary damages.
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When can a customer receive the paid in full discount?
When initial policy is paid in full, when it's paid in full within 30 days of policy inception, and by the renewal effective date.
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What price of vehicle is ineligible for coverage?
Original Cost New greater than $150,000
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Which states allow for physical damage coverage on a salvage title?
California if they qualify for Good Driver Discount; Colorado for vehicles totaled by hail; Florida for DGIC Rad 6 Value; North Carolina; Texas for HSCM RADs 5 and 6.
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How many service calls are allowed for roadside assistance?
No more than 5 service calls within 6 months.
New Hire Guide
Who qualifies for the EMS discount?
Current or former police officer, firefighter or emergency medical technician.
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If NPS won't play binding statements, where do you find the binding statements that you need to read?
Kip Doc 10391 then click on appropriate state for binding statements. OR type the state and binder word in Kip search bar. i.e. North Carolina Binder