NJ
What is the discount for Defensive Driving in NJ?
5% discount applies, for up to 3 years, to BI and PD Liability, PIP and Collision premiums
An MD driver's license can be obtained at what age?
16.5 years old
The Early Shopper
An OH driver's license can be obtained at what age?
16
The confirmed quote is valid for how many days?
60 days
Transportation Expense benefits begin how long after a covered theft loss?
48 hours
What is the discount for NJM Safedrive GO?
10% discount on base rates for Liability, PIP, Other than Collision and Collision.
True or False
The UM/UIM limit cannot be higher than the selected liability limit
The coverage amount can be lower or higher than the chosen liab limit. The UM/UMI coverage can be up to double the selected liab limit
Waives the deductible for glass only claims
This endorsement provides 5K worth of coverage for damage resulting from a sump pump overflow
HO-95
What consumer information does LexisNexis consider in the insurance score?
1) Length of credit history 2) Number of open lines of credit 3) Bankruptcy 4) Collections 5) Foreclosures 6) Liens 7) Frequency
$75-$14 per veh
$125-$20 per veh
Decline coverage
Named Driver Exclusion is offered in CT
False
True or False
Can higher limits be added for the HO-95OH-Water back up and Sump Discharge or Overflow
True
Available limits are 10K, 25K, or 50K.
What state offers Accident Forgiveness
PA
True or False
NJ is the only state that offers the Start your NJM Discount
True
What is required in order to add the Home Daycare Liab endorsement and how much is the liability limit?
To be eligible for this coverage, the homeowner must file with the Office of Child Care's licensing branch. This coverage provides 300K of liability.
Up to how many years before the date of the application must an applicant have a life event in order to revise the quote?
You have the right to request that we revise your quote if your credit history has been adversely impacted by an extraordinary life circumstance that occurred within 3 years before the date of application.
True or False
An applicant can decline UM/UIM coverage in OH
True
Name an instance where the limited tort can revert to full tort
Limited tort reverts to full tort in some cases if the at-fault driver:
1) is convicted of driving under the influence of alcohol or drugs. 2) intends to cause injury 3) is operating a veh registered out of state 4) is driving a comm veh 5) is driving an uninsured veh
What information would be required to add an engagement ring? Think description not documents.
Type of gold, stones, number of stones, weight of stones & if it's in the insureds possession
At what age of the roof is the HO-646 Loss settlement Wind Hail Loss added?
If the age of the roof is greater than 15 years old the endorsement will be added to the policy automatically. There is no action required, PC will determine if the endorsement needs to be added.
What types of fuel tanks render an application ineligible for coverage?
We are unable to accommodate underground tanks. PC will block the quote. Representatives would need to contact the UW split to have the submission declined.
True or False
The HO-MINE Subsidence endorsement is required in all parts of Ohio
False, certain areas are required to have this endorsement.
Is the PIF discount applied to escrow policies in PA?
Yes, the PIF is automatically included. One invoice will be sent to the mortgage company reflecting the total amount due.