LIABILITY
Underinsured/Uninsured Motorists Bodily Injury
Give three examples of what comprehensive covers
Fire, Theft, Vandalism, Deer, Glass
Shed, Barn, Pool, Pool house, etc
AH! My basement has 3 feet of water in it, what do I do?
What coverage is likely to cover this claim?
Water-Back up
What is Alec's Favorite food
Cheeseburgers
What does Bodily Injury Liability cover?
I have Collision, do I need UMPD?
No, UMPD is a part of Collision coverage. We recommend one or the other based on your specific vehicle.
What does Additional Living Expense do?
Covers the cost of your/your family to live elsewhere while your home is unlivable due to a covered loss.
A tree branch fell on my car during last night's storm!
Comprehensive
How old is Alec?
24
What is the difference between 250/500 & 500/500?
What is Medical Payments Coverage?
Covers you/people in your car for emergency medical expenses up to the limit provided.
What are three examples of SPP?
Jewelry, Firearms, sports equipment, Electronics, cameras, Collectibles, Artwork, Watches, Furs
My hose burnt down. What three coverages might I use?
100 points each
Dwelling protection
Personal Property
Additional Living Expense
What did Alec do for work before this job?
Amazon Manager - Warehouse
What is an Umbrella?
An Umbrella (Personal Umbrella Policy) offers excess liability in case you exhaust the limits provided by your Auto or Home insurance.
What is the difference between "Liability only" & "Full coverage"?
Liability only makes you legal to drive and protects you from a lawsuit but doesn't cover damage to your vehicle.
What is an example of two hazards that might result in an unacceptable inspection?
Roof Condition poor
Tree limbs touching roof
Junk vehicle on property
ETC..
Some dummy hit me on the highway and drove off, I never got his information... what two coverages do I need?
UMBI & UMPD
What is Alec's Marital Status?
Engaged
I'm Alec, a young renter with no property and no money in the bank. What is my largest asset?
Future income
**TWIST**
Should we recommend RENTERs insurance to a teen/college student who lives at home and is getting their first AUTO ins policy? Why?
YES!
AUTO/Multiple policy discount
Build Property ins history
If they file a claim, it won't impact Mom/dads insurance
Explain "Functional Replacement"
Values outdated construction materials at the cost of their newer, functional version. Lowers dwelling protection & replacement cost.
Ex. Plaster : Drywall
I accidentally drove into the garage with the boat rack still on top of my car... I tore up the garage door and the top of my SUV.
What covers my house... and what covers my car?
Car - Collision
Home - Property Damage Liability
What was Alec's First Job?
Pizza Shoppe