Name two carriers that will write a policy for someone who has a foreign driver's license.
Bristol West, Dairyland, Gainsco, Mercury, Progressive, The General...etc.
This is how you introduce yourself when you answer a call
"Thank you for calling Polly Insurance, this is ____ on a recorded line...."
Name two carriers that will cancel the policy if the customer does not complete eSign
Bristol West, Gainsco, The General
If you don't receive a rate from a carrier and instead see this message in Polly, you cannot offer that carrier.
"Disabled"
You found out the customer is married but does not want to add their spouse. What do you do?
Ask if there is a reason they don't insure together and explain the benefits of being on the same policy (coverage, price, more carrier options).
Name 3 carriers that will write someone who does not currently have insurance
Which Element holds the majority of points? Greeting, Discovery, Counsel & Educate, Sold Policy, or After Call Work?
Who is responsible for checking if a customer eSigned their application?
The issuing agent is responsible for following up on an esign. You must check the if the esign is complete in the carrier site and notate AMS if complete and/or of your calls to the customer reminding them to sign.
This is the appropriate process when a dealer calls in to complain that their customer got a quote from one of our agents, but their deal isn’t approved.
Look up who their account exec is in Polly and transfer them over.
The customer has other vehicles but wants to insure them separately (does not want to add it to the quote). What do you do?
Explain the benefits of insuring all their vehicles on one policy (coverage, discounts, convenience, more carrier options).
Gainsco & Kemper, *Bristol West in some states
We must verify these things when it comes to the customer's address
This is where you receive your mail and where the vehicle is primarily kept?
What carrier only offers esign?
[If the customer doesn't have an email or is not willing to eSign, do not offer this carrier.]
Travelers
These are the essential pieces of information that should be included in your new business note when you sell a policy?
Type of policy you wrote, carrier, premium, effective date, pay-plan, how apps were sent
The customer tells you they only want to purchase the insurance to leave the dealership today. They will call their current agency Monday to add the vehicle and cancel the insurance they bought from you. What do you do?
Explain that the carriers we work with do not write temporary policies. Highlight the perks of working with us - great business hours and availability, ever-expanding pool of carriers, convenience & value.
Name a carrier that will write a policy for someone who does not own the vehicle they are trying to insure, but will be driving the vehicle (e.g. - grandma purchased a car for granddaughter)
Progressive, Kemper, Bristol West
This is the proper script to verify Additional Operators/Drivers
"Is there anyone else in the household of driving age? Is there anyone else that regularly operates the vehicle(s) including children or others who live away from the home"
What carrier’s esign is not automatic, meaning you must manually ask their system to send out the esignatures?
Nationwide and Plymouth Rock
You must attach these three things when you sell a home policy.
application, RCE, photos
The customer you are quoting needs to insure an F350, a RAM 3500 and an F250 on their auto policy. What essential question should you ask about these vehicles?
How they are using them? - is it a commercial exposure? We can refer to our Commercial Dept? Some carriers won't insure vehicles over 10k lbs
Name three carriers that will allow ridesharing activities (e.g. Uber)
Name two carriers that will allow TNC delivery activities (e.g. Doordash)
Name one carrier that will allow car sharing activities (e.g. Turo)
Ridesharing: AAA, Bristol West, Grange, Progressive, Safeco, Travelers
TNC Delivery: Bristol West, Grange, Progressive, Travelers
Car Sharing: none
List the elements of the Closing Script that must be hit before binding
effective date, term, ALL coverages, down payment, future payment and method.
*VIN# must be confirmed at some point before binding
Name a carrier that requires you to send out eSign before binding the policy
AAA, Cincinnati, Loggerhead
List 2 things you should say to the customer before hanging up
-Thank you for trusting us with your insurance
-Was there anything else I could help you with?
-Don't keep me a secret, please share my info with anyone you think I might be able to help
-I'd like to invite you to stay on the line for a brief survey after the call, your feedback is really important
A customer owns a vehicle that will be garaged in a different state than it is registered in and different state than they are licensed in. What state do you insure the vehicle in?
Insure the vehicle where it will be primarily kept regardless of registration or the customer's license state. It's up to the customer to register it in the correct state.
*States like NY and MA registration MUST match state insurance is written in - explain importance of this to customer.