Built in Michigan
Because Michigan is a no-fault state
What is the system we use when quoting California policies?
Policy Center
This PA specific question is asked at the beginning of an auto quote
Does the customer commute to NY/NJ?
These are the installment fees for New Jersey policies
EFT installment fee: $3
Installment fee (all others): $6
This form is proof of liability coverage for a specific vehicle in Maryland
FR-19
Personal Injury Protection (PIP) covers these two things after an auto accident
Medical Expenses and Lost Wages
This discount is listed in the pre-bind disclosure for CA only
Good Driver Discount
Explain the difference between Limited Tort and Full Tort
Limited Tort: You are only able to recover damages for expenses you can count (such as medical)
Full Tort: No restrictions on what you can recover damages for, including pain + suffering
The customer has ____ amount of days to get a CARCO inspection on their vehicle
Seven (7) Days
This state's pre bind disclosure notifies the customer we can cancel their coverage at any time during the first 59 days of the policy
Minnesota
This PIP option has the lowest personal financial risk
Unlimited Coverage
This device is required to write California HO policies
Water Leak Protection with Shutoff Device
When is a pre-bind photo inspection required on a PA homeowners policy?
When the property is classified as high risk
New Jersey customers can use a temp ID card electronically for ___ amount of days
Twenty (20)
Name the state minimum BI/PD limits for Florida
10,000/20,000 BD
10,000 PD
This is the MOST appropriate PIP explanation to give a new Michigan customer
"PIP options depend on your comfort level, health coverage, and desired protection."
These are TWO (2) policies we CANNOT sell in California
CA Earthquake Authority (CEA) and California FAIR plan
Name the five levels of Medical Expense coverages for First Party Benefits (PA)
$5,000
$10,000
$25,000
$50,000
$100,000
This coverage allows New Jersey customers to sue an at-fault party for medical damages beyond PIP
Limited Right to Sue (Limited Tort)
This is the maximum amount of vehicles allowed on an auto policy in Kansas, Nebraska or Idaho.
Four vehicles per policy
This is the purpose of Opt-Out PIP options
To rely more heavily on qualifying health insurance
Any home above this value is High Value in California
$1,000,000
How many losses are allowed when writing a PA homeowners policy?
1 loss allowed for any peril except Fire/Liability
Name the five Medical Expense limits for New Jersey
$15,000
$50,000
$75,000
$150,000
$250,000
Name the two states that DO offer UM coverage, but do NOT offer UIM coverage for Umbrella policies.
Idaho and Washington State