RISK
What would we plug in 1View if customer can't remember the posted and actual speed while developing a speeding ticket?
Posted - 9
Actual - 99
What question should we ask regarding drivers at quote?
If a customer does not know what they carry for Bodily Injury Liability, what limit would Prior Carrier Bodily Injury show on Coverage screen?
50k
How would you explain the Additional Limits of Liability 150% to a customer?
In the event of a total loss we will provide up to an additional 50% of your dwelling replacement cost to account for any possible inflation of labor, materials, debris removal, etc.
If customer can narrow down a violation to 2017, but can't provide you with a month or season, what would we plug in 1View for Date of Loss?
December 2017
When is the only time we would consider a driver who is Licensed for ID purposes a non-exposure?
Explain how uninsured motorist coverage works so a customer would understand it.
If an uninsured motorist causes an accident, this coverage will help pay out for any bodily injury or property damage (assuming UMPD is available in that state) caused in the incident, up to your policy limits. It also covers hit and run accidents if the other driver can be identified.
What question do we ask to develop a fireplace? Do we need to ask this every time customer has a fireplace?
Does your fireplace vent through a metal duct, or masonry chimney? & Yes
What question must we ask after entering a violation into 1View?
Have there been any other violations in the last 3/5 years?
What is the easiest way to determine if you are in an exclusion state or non-exclusion state?
Endorsements tab
How do we approach coverage conversation when customer is NPI?
Ask customer what limit they would like to carry for BI, if unknown quote 100/300.
When do we click the Home Quick Estimate button if home is Active? How about Passive?
Every single time you see Active, we click home quick estimate. If home is passive we only click if the customer requests a home quote.
Explain the "CLUE at Quote" process. I.e. how do we approach incidents that come back on CLUE during quote?
If customer discloses a loss, advise that we will be pulling a report to verify details of loss. If all information is entered (name etc.), check verified and move on w/o discussing. If an incident has no driver listed, develop the driver for that incident.
NI mentions his spouse does not drive vehicle, but does have driver's license. NI's spouse hasn't driven in a long time because of a bad accident that scared her, but uses it for ID purpose, what must agent develop?
If it is determined that an inferred driver is licensed for ID purposes, then develop the reason.
What are the 2 state exceptions to the Quick Quote process?
FL - UM stacked
PA - Full/Limited Tort
What 2 states require a CARCO inspection for certain vehicles?
NY & NJ
Which 3 Coverages are paid out regardless if customer is at-fault or not-at-fault?
Collision, PIP, Medical
When is the only time we can leave off a household driver in a non-exclusion state?
HH members who do not drive the insured's vehicles, and have their own car and insurance are not considered exposures and do not need to be listed. All information must be documented to leave driver off.
What is the underlying limit for theft of jewelry on an HO3 policy?
&
For Valuable Items Blanket, what is the max total limit for jewelry AND max per-item limit?
- 1,500 theft only
- 50k max limit, 10k per-item limit
Explain Emergency Expense Coverage in detail so a customer would understand.
Bonus: what package is this provided on?
If you are 100 miles+ away from home and your vehicle breaks down, we will pay up to $1,000 to tow the vehicle back home and put you up in temporary housing.