Fire Application
What is the first thing you do for a fire application?
Check PBRI tool.
What is Drive Safe and Save?
A discount that helps driver's put themselves in control of how much they save based on how safe they drive. They pair up their smartphone with bluetooth to a free beacon that we send them, and it helps them save more on their insurance the safer they drive.
How do you determine the Zone Definition for a boatowners quote?
Answers > Fire > Boatowners > Applications – Eligibility > Determining Eligibility > Definitions
Determine the county the boat will be used in primarily.
What state is it very important that the name on the ID card appears exactly as it does on the Driver's License?
New York! (Include middle initial if on license, same legal name as on license.)
What must be read during a warm transfer from retention?
nothing
In what states can we only quote and not bind homeowners?
CA
CT
NC
A customer states they are married, but they do not want to include their husband on the auto policy. Can we do this?
No, unless they are legally separated and not living in the same household we have to include both spouses.
How much of a discount would a customer get on their renter's policy in IL for a Fire and Burglar Alarm reporting to a central station, dead bolt locks, and a fire extinguisher?
-10% discount
Quoting a vehicle in CO in NECHO, what are coverages D and G?
G = Collision
What do you need to get permission before doing?
Sending emails and processing payments
ERC Tool
Customer wants to reinstate a policy that is a week past their app date, how can we assist?
We can re-write a new policy. UNLESS it was a UCAN (Underwriting cancel) and is less than 40 days past app date.
Customer wants to pay with their mortgage. What is the path that shows what to do
Answers > Fire > Homeowners > Applications – Workflows > New Business Application> scroll down to bill to escrow
True or False: We need to include a nanny who doesn't live in the household but regularly drives the vehicle.
True
Answers > Auto > Private Passenger > Applications – Eligibility > Household Definition
A customer with only a renter's policy in IL is moving to NY and wants a quote for their vehicle, which disclosure do you need to read when binding?
Yes: NY Consumer Notification Disclosure
What is the personal property limit and maximum coverage CCC can bind with?
2000$ minimum
1 Million Maximum
A customer has state-limits and wants the cheapest quote we can give them do you: A. Quote with state limits or B. Quote with higher than state limits
B. Quote with higher than state limits, and explain the benefits of having enough liability protection. If they still object, lower the limits and see if that price difference is still worth it to them.
For a HO policy in IL what do the Service Line, and Backup of Sewer or Drain endorsements cover and for how much?
Service Line covers repair costs for damage/loss/ failure of exterior underground piping and wiring that provide service to the home (wear and tear, rust, mechanical breakdown, vermin, freezing, tree roots) $10k limit for less than 50 years old, $2500 for 50 years or older.
Back-Up covers damage to building and personal property when the damage is caused by back-up of water or sewage (max 5% or 10% of Coverage A)
"MCD is typically about 20% but could be higher or lower depending on the driver, applies to BIPD, Med payments, Comp, and collision. After 5/10/21 also applies to ERS and Car Rental for 20-30%.
A customer is at the dealership and it sounds like the call might be on speakerphone, do you need to do anything?
Yes, read M&R statement.
What information do we need to bill a HO policy through an Escrow account?
2.) Financial Institution Address for payments
3.) Loan #/Escrow Account #
What procedure should be used to calculate SDIP?
When quoting NC in NECHO
Answers > Auto > Private Passenger > Surcharges > Safe Driver Insurance Plan
Use IBM Notes Rate Calculator link > Click NC > New NC Calculation Sheet to calculate SDIP Points
Customer calls and needs a homeowner's policy, what sort of probing questions should we ask?
Is this a manufactured home?
Are there any shared walls in the home?
Is this a seasonal or secondary home?
Customer in Ohio getting an auto quote discloses a red-light photo violation, what sort of violation is this counted as?
It is not counted.
Answers > Auto > Private Passenger > State Differences > State Differences > Eligibility
Customer wants to add roommate to a fire quote and brings them on the line. What disclosures must be read?
M&R
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