COVERAGES
This covers you in the event of an at fault accident, hit and run accident or single vehicle accident.
What is Collision?
This endorsement protects the driving record of the vehicle from being affected by the first at fault accident.
What is accident forgiveness?
Living together for three years, or one year with a child.
What is common-law?
This benefit pays for medical attention and expenses needed to recover from an accident.
What is Medical & Rehabilitation and Attendant Care?
These three parties make up the HCC triangle.
What are the insurance company, client & brokerage?
This coverage protects you if someone else is killed or injured or their property is damaged.
What is Liability?
This endorsement covers you in the event of a total loss or theft; the insurance company will replace your vehicle to what it was worth at the time of purchase.
What is Waiver of Depreciation/OPCF 43?
This occurs when the client cancels their policy prior to the renewal or expiration date
What is Short Rate?
This benefit helps the client pay their bills and maintain their standard of living by providing _____ if they are unable to go to work due to an auto accident injury.
What is Income Replacement?
Under this pillar we do our best to educate clients on options, gaps, and recommendations.
What is Advise?
This covers you in the event of fire, theft, vandalism & glass breakage.
What is Comprehensive?
This endorsement is specific to Aviva and bundles the Disappearing Deductible, Accident Rating Waiver, Transportation Replacement, and Damage to Non-Owned Automobiles.
What is Worry Free Bundle?
This person is responsible for carrying out a deceased person’s wishes based on the instructions provided in the will for the distribution of their property or assets.
Who is an Executor?
This benefit provides a payout for funeral expenses and payout to a spouse & dependents in the event of death in an auto accident
What is Death & Funeral?
Under this pillar we strive to ensure an overall good client experience
What is Retain?
This coverage indemnifies you from an inadequately insured motorist.
What is Family Protection?
This coverage is added to reinstate suspended road coverages.
What is OPCF 17?
An agreement between the insurance company and our brokerage to put coverage in place immediately for certain risks.
What is binding authority?
Reimbursement to hire outside help to provide care for any dependents.
What is Caregiver?
Under this pillar we follow through and follow up.
What is Execute?
This coverage protects you if you are injured or killed by an uninsured motorist or by a hit-and-run driver.
What is Uninsured Automobile?
By having this coverage, glass coverage is restricted to Specified Perils, impact with a live undomesticated animal, another automobile striking the vehicle while not in use or operation, plus vandalism to all windows except the front.
What is 13D Limited Glass?
These 4 steps make up the ASAP technique when handling difficult clients.
What is Apologize, Sympathize, Accept & Prepare?
Provides an annual adjustment for inflation based on the Consumer Price Index of Canada.
What is Indexation?
Under this pillar we strive to understand what the client’s priorities are, and uncover any additional needs or gaps in coverage.
What is Assess?