Auto Coverage
This covers damage you cause to someone else’s car
Property Damage Liability
This rebuilds your home after a total loss
Dwelling Coverage
You don’t have coverage and hit someone
you’re paying their damages yourself
Customer: “This is ridiculous, why is my bill so high?!”
“acknowledge first, then explain”
also know as...hug and pivot
A place you grab groceries + something you push around inside it
Grocery Cart
This pays for injuries you cause to other people
Bodily Injury Liability
This covers everything inside your home
Personal Property
Your car is stolen and you don’t have the right coverage
you replace it yourself
Customer interrupts you repeatedly while you’re trying to explain
What is “stay calm and regain control of the conversation”?
Something you set in the morning + something you hit when you don’t want to wake up
Alarm Snooze
This fixes your car after an accident, even if it’s your fault
Collision
This pays for detached structures like fences or sheds
Other Structures
A storm damages your home and your deductible is a percentage
you owe this amount before insurance kicks in
Customer: “Y’all messed this up!” (before you even look at the account)
What is “don’t assume fault—investigate first”?
A device you use all day + the power it constantly loses
Phone Battery
This covers theft, weather damage, or hitting an animal
Comprehensive
This pays for a place to stay if your home is unlivable
Loss of Use
A pipe backs up into your home and you don’t have the endorsement
it's not covered
Customer starts raising their voice
What is “lower yours, don’t match their energy”?
Coverage for damage to your car from an accident + the amount you pay out of pocket first
Collision Deductible
This protects you if the other driver has no insurance
Uninsured Motorist Bodily Injury
This helps cover medical bills if a guest is injured at your home
Guest Medical
You’re sued for more than your limits
now they can come after your savings, paycheck, and assets
Customer threatens to cancel immediately
What is “slow it down and uncover the real issue”?
Coverage that pays for injuries to others + coverage that helps with minor medical bills regardless of fault
Liability Medical Payments