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Total questions: 20
Worksheet time: 27mins
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.
Majority of rejections result in termination of the policy written.
Is the above acceptable for no need in TX?
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?
Sally Mae is trying to purchase a renters policy in GA. Her insurance score (IS) comes back as a 5. Does she qualify for a policy?
Yes
Yes, but only with line 10 auto in force or written concurrently or in Allstate Indemnity Company.
Yes, but only with line 10 auto in force or written concurrently.
No, IS 5 in GA does not qualify for renters.
Jesse is trying to purchase a renters policy in WV. His insurance score (IS) comes back as a 6. Does he qualify for the renters policy?
No, anything over IS 5 does not qualify
Yes, but only with line 10 auto in force or written concurrently.
Yes, but only with line 10 auto in force or written concurrently or in Allstate Indemnity Company.
Yes, he qualifies.
A potential customer named David calls in to ask about renters insurance for a house he just moved into. He lives at 510 S MASHTA DRIVE KEY BISCAYNE, FL 33149. Can we offer him a renters?
Yes, he is not located on a barrier island.
No, his address is less than 1 mile from the coast.
Yes, he is more than 1 mile from the coast.
No, his address is less than 1 mile from the coast and is located on a ground floor.
The minimum personal property limit on an AZ renters policy is $15,000.
Should you delete unmatched claims on a home or condo quote?
Mr. Freeman from SC calls in to ask about lowering his bill. You notice he rents and does not have renters insurance. You pitch the product but the policy rejects. He currently has an Allstate Northbrook Indemnity auto policy. Do you ask for an override?
You are providing a quote for Jennifer Evans. Jennifer states this accident was not her fault and she would like it to be changed to Not-At-Fault. How would you reconcile the accident?
Delete the accident
Change the accident to Not-At-Fault and inform her that she will need to mail in proof with her trailing documents.
Advise the customer that acceptable proof is required prior to changing the fault of this accident.
You are providing a quote for Thomas Roland. When reconciling his unmatched claims you see two incidents where his mother Denise was the policy holder. Thomas states that the 1998 Cadillac Deville is his mother’s vehicle. She is not a resident of Thomas’s household. How would you reconcile these claims?
Add Denise as an operator on Thomas’s policy and assign the claims to her.
Remove the claims using “Reason for Removal” “Relative not in household” and create a note in the narrative section
Advise customer that acceptable proof is required prior to deleting the claims.
Leave the claims as unmatched.
You are providing a quote for Denise Roland. She states that this claim happened while her car was parked. How would you reconcile the situation?
Assign the claim to Denise because the claim belongs to her.
Remove the claim since Denise said the car was parked and there is no driver name.
Assign the claim to Denise’s husband.
Leave the claim as unmatched.
You are quoting Mr. Brown. When you clicked the coverage tab the following advisory showed. Whats your next step?
Company/Line derived based on the following:
- <1 year prior insurance, CCDB
- PD Limits are below Minimum Requirement
- BI Limits are below Minimum Requirement
Ask Mr. Brown if he currently has insurance.
Inform Mr. Brown he does not qualify for an auto policy.
Ask Mr. Brown if he currently has insurance and increase his BI and PD limits on the quote.
Declare no need as prior insurance
