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Auto Insurance protects your car in the event that you get into an accident. It also protects you from financial liability medical expenses, and also from legal consequences. Auto insurance laws vary from state to state, ALL STATES REQUIRE some type of car insurance or proof of financial responsibility.
WHO CAN RECEIVE A QUOTE?
Must have an active Driver's License
Must own a Vehicle (or the intention to purchase the vehicle within 30 days, along with the year, make and model)
Must be of legal age (must get a verbal authorization from/or speak with the parent or guardian.
Motorcycles
People looking to get an SR-22
(Note: If a customer has a suspended license but needs an SR-22 in order to get their license reinstated, we can proceed)
Select YES on the webform for 'Have you had any DUIs or SR-22s in the last 5 years?
Otherwise, DO NOT PROCEED with the call and DISPOSITION as NOT QUALIFIED
WHAT ARE NOT COVERED BY OUR BUYERS?
RV (Recreational Vehicles)
Caravans
Boats
ATVs (All-Terrain Vehicles
UTVs (Utility Task Vehicles)
Umbrella Insurance
No License / Expired Licensed / Suspended License / International License / Provisional License / Revoked License (Do not ask the customer if they have a license) - Say: "I'm afraid we're unable to provide you a quote. Thank you for your time."
Non-owner’s insurance / Non-owner SR-22 insurance
Non-moving / Inoperable vehicles (also see Additional Instructions section)
No Social Security Number (a social security number is required to get a US driver's license)
DISPOSITION: NOT QUALIFIED
STATE MINIMUM LIABILITY vs. STANDARD FULL COVERAGE
Minimum Liability: Insures against the damage you could cause other people or their property while on the road. In other words, it protects you from the other driver’s expenses should you cause an accident. Liability cover is a legal requirement in almost every state.
Standard Full Coverage: Applies to damage to your vehicle, regardless of whether the damage is from a collision or not. Note that standard full coverage also includes Liability.
Auto Insurance Rule: If the person is currently financing or leasing the vehicle, it automatically needs Full coverage. If the person owns the vehicle, they have the option to get Full coverage or Liability.
ADDITIONAL INSTRUCTIONS
Spouse is a Deceased US Veteran / Military Training
If the customer mentioned that their spouse was a US veteran but has passed away or is still undergoing Military Training, select YES for the question on the web form: Are you or your spouse an active member, or an honorably discharged veteran of the US military?”
Customer wants SR-22/FR-44 Insurance
SR-22 is a form filed with the state for high-risk drivers. The FR-44 is similar to an SR-22 -- the only difference is that the liability coverage requirements for an FR-44 are much higher. WE PROVIDE QUOTES for this. Select YES for the question on the webform: Have you had any DUIs or SR-22s in the last 5 years?
Customer wants PLPD / Comprehensive / Collision Coverage
Respond with, "That's a great question for the licensed agent."
Deactivated Car Plate
We can provide a quote for cars with a deactivated car plate. They need insurance to generally reinstate the plate.
Non-moving / Inoperable Vehicles
Non-moving vehicles / inoperable vehicles / not drivable - that haven't been working for quite some time and need to be fixed are NOT QUALIFIED. Advise the customer to contact us when the car has been fixed and can legally be driven. If the customer mentioned that it's a salvaged vehicle or has a salvage title, confirm if the vehicle has been repaired AND can be LEGALLY driven.
Vehicle is registered in a state different from where the customer is residing
We use the ZIP code of the customer’s residence on the webform regardless of where the vehicle is coming from or currently registered in. People are not allowed to drive their vehicles in a state that is different from their residence long-term so they will likely need to register their car where they live at some point.
Note: It is not required to ask for the ZIP code. Clarify it if the customer proactively mentions their location. We can only change the ZIP code on the webform if it doesn’t match where the customer is residing.
Lead Contact is unemployed but someone else will pay for the insurance premium (for Auto Insurance only)
Proceed with the call as long as it is clearly established that someone has the capacity to pay for the insurance premium.
Note: No need to probe when customer mentions being unemployed or having no income. Work with the information they volunteer.
Rideshare Insurance (for Lyft and Uber Drivers)
Uber, Lyft and other rideshare services should be submitted as a regular Auto Insurance quote. Buyers like State Farm, All State and Farmers write it as a personal policy with an endorsement.
Customer was uncharacterized / unclassified when discharged from the Military
If the customer was uncharacterized / unclassified / general / dishonorable discharged from the Military (e.g. cx was not given an honorable discharge) put NO on the web form and thank the customer for their service then proceed with the rest of the webform.
Person who answered the call has NO LICENSE but claims to be part of the Auto Insurance Policy
Most likely, the person is not part of the policy. Insurers will not insure someone without a driver’s license. Ask if the person on the policy (whose the car is registered to) is available to speak. If not, advise the customer to call back when they are available.
DISPOSITION: NOT QUALIFIED
Customer says they are a homeowner but their home is a: TRAILER, RV, MOTOR HOME
Acknowledge that the customer is a homeowner, select NO for the question on the webform. When you need to follow up the bundle question, you may say, "I see. Many people save money by bundling their auto and homes, I'll just put no for now, okay?"
Customer responds with MORTGAGE or RENT TO OWN, when asked the home owner question
If a customer responds with 'mortgage', select YES for the question on the webform.
If the customer mentions they 'rent to own', you can probe and ask if it's a form of mortgage. If no, select NO for the question on the webform.
Customer is insured under Direct Auto/Direct General.
Direct Auto and Direct General should be treated as the same company. If a customer is insured under Direct General, and the buyer that comes out as a match is Direct Auto, move on to the next buyer.
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