Where can I write this?
Quality Assurance
Applications (Carrier quirks & perks)
Polly System & Processes
Weird Scenarios
100

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.

100

This is how you introduce yourself when you answer a call

"Thank you for calling Polly Insurance, this is ____ on a recorded line...."

100

Name two carriers that will cancel the policy if the customer does not complete eSign

Bristol West, Gainsco, The General

100

If you don't receive a rate from a carrier and instead see this message in Polly, you cannot offer that carrier.

"Disabled"

100

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).

200

Name 3 carriers that will write someone who does not currently have insurance

Bristol West, Dairyland, Gainsco, Kemper, Progressive, The General
200

Which Element holds the majority of points? Greeting, Discovery, Counsel & Educate, Sold Policy, or After Call Work?

Discovery
200

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.

200

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. 

200

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).

300
Name a carrier that will write a policy for someone who does not currently hold a drivers license (never been licensed)

Gainsco & Kemper, *Bristol West in some states

300

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?

300

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

300

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

300

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.

400

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

400

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"

400

What carrier’s esign is not automatic, meaning you must manually ask their system to send out the esignatures?

Nationwide and Plymouth Rock

400

You must attach these three things when you sell a home policy.

application, RCE, photos

400

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

500

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

500

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

500

Name a carrier that requires you to send out eSign before binding the policy

AAA, Cincinnati, Loggerhead

500

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

500

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.