Rejections

What is the minimum personal property protection limit in NY for a replacement cost renters policy?

• $15,000

• $25,000

• $10,000

Customer is purchasing a KY renters policy, fire department is listed as 7 miles away, what do you do next?

• Nothing, inform the customer we can't offer coverage.

• Refer to local agent

• Continue with bind

• Inform the customer they must have a burglar/fire alarm system with activated central reporting and an activated indoor automatic sprinkler system and documented proof within the past year of the burglar/fire central reporting system and the active sprinkler system is required.

Customer calls to purchase auto policy, customer states they have an out of country license, what do you need to proceed?

• A picture of the driver's license and send it to PQB Proof. Manager must approve photo before binding.

• A certified hard copy of the MVR (or “driving abstract”). Set the expectation with the customer that they need to fax in their MVR before binding or the policy will be rejected. A manager must approve before binding.

• Select OC in the drop down and input customer license number.

Customer asks about a renters policy in CA, customer informs you she runs a business from her home. We can still bind renters coverage.

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Majority of rejections result in termination of the policy written.

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Is the above acceptable for no need in TX?

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In TX, the customer states they had no need for insurance due to not having a vehicle and is at the dealership purchasing one. According to the no need guidelines, what proof is needed to declare no need?

• Bill of sale, notarized person to person bill of sale, or vehicle title.

• Letter from the customer stating they had no prior need for insurance.

• Bill of sale AND receipts for proof of other transportation.

• No proof is needed, just submit WSR to underwriting.

Customer calls from MD inquiring about a renters policy, while explaining the coverage's, they state they would like the lowest deductible offered. What is the lowest deductible offered in MD for renters?

• $100

• $500

• $250

• $1,000

What is the correct process for a MVR outage?

• Schedule a call back with the customer once MVR is fixed.

• Wave MVR, override from leader, bind and complete.

• Wave MVR, override from leader, have conversation around incidents with customer, bind and complete.

• Wave MVR, override from leader, have conversation around incidents with customer, bind, go back and unwave MVR, send email to Pend Bind mailbox.

Can a licensed service rep write new business auto in CA?

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