Click Here for the Submissions Procedure
What happens when someone not listed on my policy is driving my car and gets into an accident?
A claim will need to be filed with your insurance company because they are responsible for the vehicle. However, the insured will not be held responsible (no points will be charged) as they were not driving at the time of the accident.
The insurance company will most likely need to verify that the person who was driving does not live in the insured’s household and has their own insurance during the processing of the claim. If this cannot be verified, that person will be added to the policy along with any points they have on their license.
Note: Insurance Follows the Car and Points Follow the Driver.
If a customer with an SC policy has an accident, they are required to file an FR 10 form within 15 days of the date of loss (regardless of fault).
Failure to do so will result in revocation of their drivers license. (Update 2020: The form is now called FR-5A Response to Financial Responsibility Accident)
Progressive will file these electronically, but you have to call. You also need the filing number (which is available on the police report).
For other carriers and for out of state policies, complete the insurance information portion and fax to 803-896-8443. That is the fax number for the S.C. DMV liability insurance department.
You can also complete here https://www.sc-alir.com/ You will need the audit number (Example: A-123456) and accident date.
Please Note: On the website it allows you to do the FR10 or FR5A, just review the letter that was sent to them to complete the correct one.
What happens when someone's company pays out but the vehicle was not occupied and parked?
The companies (GMAC at least) will consider as NAF. Need proof that the vehicle was not occuped and parked.
In order to add or replace a vehicle we need the following information:
1. If replacing, which vehicle are you replacing?
2. Year, Make and Model of the vehicle to add.
3. Vehicle ID number (VIN number) of the vehicle to add.
4. Use of the vehicle (pleasure, back and forth to work, etc.)
5. If the vehicle is financed, finance company name and address (not payment address)
6. Date to make the change effective.
7. Are you adding any additional drivers?
8. Coverage limits desired? (Liability or comp/collision deductibles)
9. If adding comp/collision would you like rental and towing coverage as well?
Please Note: This change is not complete until you receive confirmation that it has been processed.
If you have any questions, please contact our office. Thanks for letting us serve your insurance needs
Which companies will write agreed value on older vehicles, classic and antiques? Ex: 1965 Mustang.
Safeco- Will write agreed value. They have both classic and antique tiers. Click on help icons within quote to review these.
They will not write if the customer is in Non-Standard Tier. It will give you a quote and even issue, but u/w will remove the coverage. So verify that client is not in NS tier.
Montgomery - Will write agreed value. They require an appraisal to support the value.
All other companies do not allow agreed value.
If writting with Safeco or Montgomery is not an option, may be able to write with a special market just for classic and antique vehicles.
If a customer wants to go to monthly pay plan at renewal when previously paying in full (PIF):
GMAC: - Call GMAC and they will give you options (DP + 4 pymts, 3 pymts or two pymts);
- You will need to get signed Pay Plan Authorization form from insured and
forward on to GMAC; and
To post DP, you would upload as exception payment and process as usual.
Progressive: - Policy will automatically revert to a monthly bill plan at renewal; and
- When renewal offer is sent to insured, they will have three options listed and they will
have to choose how they want to handle payment for the policy term.
Kemper: - If prior term was paid in full, renewal will continue to be unless change is requested.
* Agent can either call Kemper and request change or
* Agent can make request on website by selecting pay plan change under billing.
Victoria: - If prior term was paid in full, renewal will continue to be paid in full unless there is a lapse, at which time,
plan will revert to a monthly bill plan; and
- If you want to change to a monthly bill plan at renewal, agent must call Victoria and make request.
Safeco: - If prior term was paid in full, renewal will continue to be unless change is requested.
* This change may be requested by the insured online, they may call Safeco directly or we may
Make this request for the insured.
Progressive - Will not do buses if converted or not.
Progressive commercial can do a bus with PD, but you will not have most of the optional coverages that the RV policy has.
National General - Will do the converted but on an RV policy, but liability only.
Unlike most other insurance carriers, National General accepts liability-only coverage on bus conversions for personal use through our RV program. This means that your customers that converted an old Thomas, International or Bluebird school bus into a camper can get the protection they need to get their passion project on the road.
The auto policy does provide coverage for Canada. The client will want to get a Canada Non-Resident Inter-Province Motor vehicle Liability insurance Card completed.
We would complete this card and send to the client. We have copies in the agency. If no copies, you can get more from Montgomery supply. Order from the website or email
TO:
Agency Markets Fulfillment
PHONE:
(513) 603-2343
EMAIL:
AMAgencyFulfillment@LibertyMutual.com
A1236
01/2004
25
Agency Markets Canadian ID Card
Click here to view a copy of this form.
What is required if customer wants to cancel policy:
Note:
Use accord form from partner policy file (Unless doing by e-sig. If doing by esig follow cancellation instructions here): Cancellation Request / Policy Release
If you know the cancel date, input date. If not, let the insured input the date
Email form to insured and use partner email template: Cancellaton Request Client: Email to client – cancellation request
If insured is cancelling prior to today’s date, we need proof to back date a cancellation
Once signed cancellation form received, use fax cover letter in partner:
Cancellation Request: Cancellation Request – Company (pick appropriate company letter)
Or if you can cancel manually, use this method
GMAC:
The request must be in writing. Even If insured calls GMAC directly, they will require that they
Submit a written request including policy number, insured’s name and effective date.
Progressive:
The request must be in writing. We can use our form cancellation or insured can submit a written request including policy number, insured’s name and effective date and fax it directly to Progressive at 800-229-1590.
Kemper:
The request may be done by faxing or online by us. If in writing, may use our form cancellation or use Kemper’s form (Accord form) and then fax or we may process request online.
Victoria:
The request must be in writing and include, policy number, named insured, effective date and be signed by insured but not on a specific form.
Safeco:
The request must go through us. Safeco does not require this is writing but we must get the request in writing to keep in our records.
You can cancel online. Go into policy and select cancel policy and input correct date and reason for cancellation.
1. Is there a penalty for cancelling the policy?
An insurance policy is a contract. While there is not a set "penalty" for cancelling the contract, the insurance company will use a method of cancellation known as "short rate" cancellation. Short rate cancellation is a financial penalty incurred when the insured cancels an insurance contract prior to the expiration date of the contract. The insurer keeps a percentage of unearned premium to cover costs.
2. I have a payment due now. Do I need to pay?
Yes. Any overpayment will be refunded by the insurance company, but any outstanding premium must be paid in accordance with the original terms of the policy.
3. Will I get a refund?
The insurance company will process the cancellation, and any overpayment will be mailed to you. It typically takes about 2-3 weeks. We are not able to calculate any return premium amounts. Insured must contact insurance company directly with additional questions about refund amounts, but this is generally all they want to know anyway. If a refund is due, it can only be sent by check through the mail. Cannot be returned to a credit card or automatically deposited into a checking account, even if EFT payment method was used by insured.
National General will cancel Por-rata for the following reasons:
Moving out of state
Deceased
Military
Total Loss
Tapco policies are typically occurance.
For a summary of claims made vs occurance click here.
Question:
The insured gets the CTR form and wants an explanation of this form.
Answer:
North Carolina has a Rate Bureau that sets the rates for all the insurance companies in North Carolina for auto and property.
The Rate Bureau sets a “suggested” rate for physical damage coverage (your other than collision and collision coverage). This suggested rate is similar to a Manufacturer’s Suggested Retail Price. If the insurance company charges a rate that is higher or lower than that “suggested” rate, a document called a consent to rate must be signed by the insured retained by the insurance company. Signing the consent to rate does not change or alter the current premium that you are paying, or alter coverage in any way.
In order to charge someone a rate different than the North Carolina Rate Bureau rates, a consent MUST be signed by the insured.
Consent to rate form is called CTR form for short.
Question: Can a client get coverage for custom items & custom paint jobs on vehicles?
Answer: Yes, $1000 coverage is included without the additional custom endorsement (0315). If client purchases the 0315 it would cover up to $5000, or whatever limits the client selects the custom paint/murals, etc. So yes, if client wants coverage above $1000 for the custom paint he needs to purchase the 0315 endorsement.
Notes:
This coverage is only available if comp/collision is on policy. Some vehicles that are a certain age may not qualify for comp/collision. This depends on the companies guidelines, bur remember coverage for com/collision will be on ACV value.
If client is looking for coverage on an older vehicle that has been restored, quote with Safeco as they have classic/antique coverage available and will offer agreed value. Montgomery will also offer agreed value.
This is more than likely what the client is looking for on restored vehicles. Review agreed value notes above.
Liability coverage, under this endorsement or the policy
to which this endorsement is attached, is specifically
excluded for any "bodily injury" or "property damage"
caused by:
(a) Attack, non-domesticated or guard dogs;
(b) The following breeds of dog: Rottweiler,
Doberman Pinscher, Akita, Bullmastiff, wolf
hybrids, Chow Chow and pit bull, including but
not limited to, American Staffordshire Terrier,
Staffordshire Bull Terrier or American Pit Bull
Terrier;
(c) Any crossbreeds of animals in (b) above;
Any exotic animal including but not limited to a lion,
tiger or alligator; or
(e) Any animal with prior biting history,
whether owned or not owned by the "insured" or in the
care, custody and control of any "insured" or at any
location.
Any dog which has a previous bite history or displays vicious or dangerous tendencieso
Any wild, exotic, non-domesticated, dangerous or vicious animal
Ineligible Dog Breeds: Pitbull, Staffordshire Terrier, Wolf-Hybrid, variation of these breeds, or any dog with a bite history. Any animal with history of attack or trained as an attack animals are also ineligible. (All other breeds are deemed eligible).
Applicants with large, unusual, exotic, vicious, or potentially vicious animals
are NOT acceptable. The risk is ineligible. Animals in this category include, but are not limited to:
Animals with a previous bite history or vicious propensities, Dobermans, Chows, Rottweilers, Akitas, American Staffordshire Terriers (Pit Bulls), attack dogs and Wolf Hybrids, (or any mix thereof) Ostriches, Llamas, Alpacas, Emus, Horses, Farm or Ranch animals, or any type of wild exotic animals or pets.
For the dog list, make sure to verify this on the eligibility page by clicking on the question mark.
08-09-2022 Updated Dog List for home policies: Reners policies show the old list, but per Kimberly at ASI uw, go by the home list as the renters has not been updated yet.
• Animals with dangerous propensities. This includes, but is not limited to: Akitas, American bulldogs, chow chows, Doberman pinschers, Great Danes, mastiffs, pit bulls, Rottweilers, Staffordshire terriers, wolf hybrids, any mix or variation of these breeds, any dog with a history of biting, or any dog Underwriting deems ineligible
Great Danes added back to list.
10-28-20 Updated Dog list:
Reduced prohibited breed of dog list • Akitas, American bulldogs/pit bulls/Staffordshire terriers, chow chows, Doberman pinschers, mastiffs, Rottweilers, wolf hybrids, or any mix of these breeds are all ineligible
German shepherds and Great Danes are now eligible
Prior to 10-28-20:
Properties where animals with dangerous propensities or which present unusual liability exposures are kept are ineligible for coverage.
This includes, but is not limited to, Akitas, American Bulldogs, Bull Mastiffs, Beaucerons, Belgian Malinois, Caucasian Mountain Dogs, Chows, Doberman Pinschers, German Shepherds, Great Danes, Keeshond, Pit Bulls, Rottweilers, Rhodesian Ridgeback, Staffordshire Terriers, Wolf Hybrids, or any mix or variation of these breeds, any dog with a history of biting, or any dog underwriting deems ineligible.
Properties with exotic animals, farm, saddle or hooved animals are ineligible for coverage.
Any of the following dog breeds or mixes of dog breeds: Akita, Chow, Doberman Pinscher, Great Dane, German Shepherd, Husky, Alaskan Malamute, Pit Bull, Staffordshire Terrier, American Bulldog, Rottweiler, Presa Canario, Cane Corso, wolf or wolf breed, coyotes, wild dogs, guard or attack dogs, any dog breed historically bred for fighting, any dog with a prior history of biting or attacking persons, property or other animals, or any dog that has not had inoculations as required by law
No dog list on the MH policy, but they do have a list for specialty dwelling.
For MH, per Brian at Foremost for a Pit Bull or an animal with bite history or exotic animal we can do an animal liability exclusion.
Get form here or in Information - > Company Info -> Foremost
Specialty dwelling list: This is for their rental properties.
Applicant/Insured or any person who resides at the dwelling who own, keep or shelter potentially dangerous dogs or animals that have caused harm, when the
Animal Liability Exclusion endorsement is not added.
Ineligible breeds include but are not limited to: Akita, American Staffordshire Terrier, Chow, Doberman Pinscher, Pit Bull, Presa Canario, Rottweiler, wolf hybrid or any dog that is a mix that includes one or more of the breeds listed above.
NOTE: This also applies to landlords who permit a tenant to keep these animals on premises.
The list below is a list of prohibited dogs. Dogs that are on aggressive dog list
Pets characterized by aggressive behavior: This includes but is not limited to the following breeds of dogs: Rottweiler, Pit Bull, Akita, American Staffordshire Terrier, English Bull Terrier, Bull Terrier, Doberman Pinscher, Presa Canario, and any Wolf hybrid
Dangerous dogs including, but not limited to, any of the following breeds or any mixture that includes any of the following breeds (regardless of percentage):
Akita, American Bulldog, American Pit Bull Terrier, American Sta.ordshire Terrier, Beauceron, Belgian Malinois, Bull Masti., Catahoula Leopard, Caucasian Mountain Dog, Chow, Coyote, Doberman Pinscher, Pit Bull Terrier, Presa Canario, Rhodesian Ridgeback, Rottweiler, Sta.ordshire Terrier and Wolf or Wolf Breed
Exotic pets, vicious animals or livestock, including but not limited to snakes, goats, cows, chickens and horses
Does the applicant own or keep any pure or mixed breed of aggressive dogs, including German Shepherd, Doberman, Pit Bull, Rottweiler, Chow, Akita, Mastiff, Wolf, Presa Canario or similar; or any dogs with previous bite history?
Any dog still on the premises with a prior bite history.
American Staffordshire Terrier, Pit Bull, Bull Terrier, Rottweiler, Dingo, Chow, Presa Canario (a.k.a. Canary Dog or
Canary Island Dog, and the Italian Mastiff (a.k.a.Cane Corso)
They will write the agressive breeds but exclude the liability and medical payments.
Akita, Alaskan Malamute, Blue Heeler, Boxer, Bull Terrier, Chow, Dalmatian, Doberman Pinscher, German Shepard, Husky, Jack Russell Terrier, Mastiff, Pit Bull, Peresa Chanario, Rottweiler, Staffordshire Terrier, Shar-Peis, Any Dog Crossbreed with Wolf, Any Dog with history of biting, Any mixed breed over 35 lbs.
Non-Admitted Product: Animal liability- All animals are excluded from liability coverage.
Admitted Product: I do not have any of the following pure or mixed breeds of dogs: Terriers (including but not limited to Pit
Bull or Staffordshire Terrier breeds), Dobermans, Rottweilers, Chow Chows, Presa Carios, or Wolf
Hybrids.
Vicious dogs are ineligible, including: o Akitas, American Bulldogs, Beaucerons, Caucasian Mountain Dogs, Cane Corsos, Chows, Doberman Pinschers, Dogo Argentinos, German Shepherds, Presa Canarios, Pit Bulls, Rottweilers, Staffordshire Terriers, Wolf Hybrids or any mix or variation of these breeds.
Any dog with a history of biting or any other animal(s) that underwriting deems ineligible. o Dogs that have been trained to attack persons, property or other animals;
Dogs that have been trained to guard persons or property;
Any dog used in any manner as a fighting dog or bred specifically for fighting;
Any dog that has not had inoculations as required by law.
Homes with exotic animals, farm or saddle animals, and animals not commonly considered household pets are ineligble.
Update 2023: Looks like they no longer have a list. Just no bite history or aggressive.
Hi!, my name is Luis. Thanks for coming to chat!, May I please have your name and agency code? You: Jill Craw 431103 Luis: Hi Jill! Thank you for providing your agency code, how may I assist you today? You: I am working on a NC home quote and I'm trying to see if you guys have a restricted breed list for dogs Luis: Great question! we no longer carry a dog breed list, these dog breeds are no longer part of Safeco's concerns, however in the they had a bite claim in the past or the dog has aggressive tendencies we recommend not to quote with Safeco
Animals
Any risk with:
• Any exotic pets (e.g., Pythons or rattlesnakes)
• Any of the following “breeds of concern”:
– Akita
– Chow
– Doberman Pinscher
– Presa Canario
– Pit Bull
– Rottweiler
– Staffordshire Bull Terrier
– Wolf hybrid
– Any mixture of the above breed of dogs
Steadily
Presence of dog(s) or cat(s) with bite history as well as Pitbull, German Shepherd, Belgian Malinois, Rottweiler, Doberman Pinscher, Chow, Akita, Wolf or Wolf Hybrid or any mix thereof unless the policy is endorsed with the Animal Liability Exclusion, at our sole discretion.
Tower Hill
Akitas, Dobermans, Chows, Rottweilers, Pit Bulls, wolves or wolf hybrids or any mix of these breeds on the premises unless the Animal Liability Exclusion is selected.
Animals on the premises that have a previous bite history or vicious propensities, or wild or exotic animals or farm animals (unless Hobby Farm) unless the Animal Liability Exclusion is selected.
An animal or pet that is vicious or has previously bitten or injured, or if any occupant has a dog of the breed shown: Akita, Alaskan Malamute,
American Bull Terrier, American Staffordshire Terrier, Chow Chow, Doberman Pinscher, Mastiffs, Pit Bull, Presa Canario, Rottweiler, Staffordshire
Bull Terrier, any wolf hybrid, or any mix of these breeds
They do have an animal liability exclusion that prints on the application. But the policy does not attach that exclusion as the NCDOI does not allow them since they are not a Form F company. Rep says they would most likely pay the claim if it went to court. (Update 2018: This was removed)
HO3
Akita, Chow, Presa Canarios, Pit Bull & Staffordshire Terrier and exotic animals.
Exception: All dog breeds are acceptable on the DP policy forms (Liability coverage is not provided)
HO8
4/1/18 no longer taking the above dogs on the HO8.
Please note: UPC will write the dog breeds below with the exclusion form signed giving the client no liability coverage.
Dog Breeds: Akita; Alaskan Malamute; American Bull Dog; American Eskimo Dog (member of the Spitz family); American Staffordshire Terrier; Beauceron; Bullmastiff (all Mastiffs); Bull Terrier; Cane Corso; Caucasian Ovcharka (Mountain Dog); Chow Chow; Doberman Pinscher (miniature Dobermans are okay); German Shepard; Giant Schnauzer; Korean Jindo; Mastiff (all variations); Perro de Presa Canario; “Pit Bull”; Rottweiler; Staffordshire Bull Terrier; Siberian Husky; Staffordshire Bull Terrier; Thai Ridgeback; Wolf-dog hybrid; or mixed breed dog containing any of the above breeds
Any dog that has ever been trained as and/or used as a guard dog or attack dog
Any dog that has ever been trained or used by the military or police for:
o Enforcing public order by chasing and holding suspects, or detaining suspects by the threat of being released, either by direct apprehension or a method known as “bark and hold”
o Dogs trained for search and rescue, explosive detection, arson investigation, etc. are not ineligible for coverage solely due to their training and experience
Any dog belonging to a breed that was historically bred for fighting
Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people
Vicious, dangerous, or exotic animals, such as wild animals (i.e. animals not commonly recognized as domesticated); farm animals (including saddle animals kept for pleasure use); lions, tigers, dangerous reptiles, birds of prey, and any animals whose bite or touch is poisonous or toxic
Notes for American Bull Dog: English Bull Dog & French Bull Dog are okay.
All you will need is the insurance company name and policy number to register the vehicle. You do not need a specific form to register for the first time with the DMV.
NG: Will not resubmit EFT payments that are returned NSF.
That payment must be made by the client and then will go back
on EFT for the following month for the 1st one.
National General will resubmit a regular monthly payment (i.e. NSF check).
Hartford: Will resubmit payments that are returned NSF. If this is a regular monthly
payment and no cancellation notice issued, customer will receive notice of
NSF and have opportunity to make payment before due date. If payment
is returned after due date, the policy will cancel immediately.
Kemper: Whether they resubmit or not depends on the bank (if they’ll
allow them to do so, they will resubmit).
Progressive: Will resubmit EFT payments that are returned NSF. This is done
by the bank (Progressive has no control of this). If payment is
sent back the second time, Progressive will send a notice to the
insured.
Victoria: Will not resubmit EFT payments that are returned NSF. They will
send out a paper bill to the insured requesting the amount due.
Safeco: Will resubmit payment in 2-4 days depending on the bank. Check the remarks section under billing for any notes.
If still NSF will post as NSF ($30 fee) and send billing notice and give two weeks for them to make payment.
(48 hours notice is needed to stop or move a draft date)
If this is 2nd NSF in 6 months, they will cancel the policy but not mmediately. They will give the insured two weeks to find another
company to rewrite policy so they don’t have a lapse.
VA does not do SR22 and does FR44. We can write these policies with any company.
Per Progressive verification department I spoke with Corey:
If doing a NC auto policy and they need a filing for DMV for an FR-44 form for their license we do not need to send that because it is not a VA policy.
All that is required is the liability limits of a minimum of 50/100/40 and to fax a declarations page to VA DMV @ # 804-367-1305.
This means any auto policy can be processed not just Progressive and it will be accepted by VA DMV instead of the actual FR-44 form.
Effective 1/1/22 the new limits required to file an FR44 in VA is 60/120/40 .
If you need to do a NC policy use 100/300/50 limits and then fax the dec page to DMV at # 804-367-1305.
Question: How to tell if a GMAC policy is Ceded or Voluntary?
Answer: If the prefix to the policy is
SAN = Non-Standard, Ceded Liability & CTR physical damage
PAN = Preferred, Ceded Liability, but voluntary physical damage
SAF = Non-Standard, Voluntary Liability, but CTR physical damage
PAF = Preferred, Voluntary Liability & Physical damage (This tier will give you the best rate with GMAC)
Question:
GMAC – How do I convert a 6 month policy into a 12 month policy at my renewal?
Answer:
First, get the request in writing from the insured using the email template “remove/change coverages”.
Once that is received, the actual request must be submitted to GMAC via fax using the Endorsement fax sheet in partner. Include that the insured would like to convert the policy from 6 months to 12 months effective at their renewal and indicate how they would like to set up the billing. If they would like to pay monthly, a 10% down payment is required which will be billed to the insured after the change is processed.
If an accident is returned on the MVR and is not on CLUE, the agent must select a valid accident attribute. If the agent selects an At-Fault accident, a Not at Fault accident or a Comp Claim $1000 or more, no proof is required. If the agent selects a Comp Claim less than $1000 then proof is required.
If an accident is returned on CLUE and CLUE indicates the accident is at-fault, if the accident is disputed as being not at fault, proof is required.
If an accident is returned on CLUE and the accident is disputed as not belonging to a driver on the policy, proof is required.
The proof to be sent would be proof from the prior carrier, not a police report.
If they are used on the road, NG and Prog are now classifying them as LSV (low speed vehicle).
For NC:
Progressive will only write liability on the MC product. NG says they will write the LSV liability only on their personal auto product but then they will offer PD only on the MC product.
Best option to write liability with Prog MC product and PD with NG MC product. Or if they have NG auto, put the liability on the auto policy and PD on NG MC product.
Note: NG will write the liability they just will not file an FS1. So if they plan to get it registered, then you can't put it with them for the liability. But if they are not going to register it, then you can write it all with NG.
American Modern and Foremost are not an option in NC.
For SC:
Progressive will offer liability and PD, but American Modern will have better rates.
Foremost is also an option in SC.
Question:
I am quoting a new business home policy and the client has had 2 claims within the past 3 years. What information do I need to submit to Montgomery for underwriting review? (Montgomery will write new business for clients with no more than 2 claims in the past 3 years – subject to prior underwriting approval.)
Answer:
Dates, amounts paid and a detailed description of claim. Also, please provide dwelling limit, year built and deductible requested.
(As per Greg Matthews, our Montgomery underwriter)
What are the guidelines regarding a new home purchase if the insured is going to be completing renovations prior to moving in?
Per Hartford & Kemper Underwriting, if the renovations will be completed within or around 30 days (there is some leeway – it doesn’t have to be exactly 30 days) of the effective date of the policy, then this is acceptable. We will need to submit info on the renovations to Hartford, as well as the known completion date of those renovations. We also need to write the policy based on the Home Cost Estimator that includes the updates that are being made.
If the renovations will take much longer than 30 days, then Hartford will not write the coverage, as the home will be considered vacant for a period of longer than 30 days.
Question:
I have a student away at college. Will the contents of their dorm room be covered under our homeowner’s policy?
Answer:
Yes, personal property temporarily located away from the insured premises will be covered up to 10% of coverage C or $1000, whichever is greater. Contents of a child’s dorm room would fall under this category.
Question: If a client rents a room to someone, is there anything you should do on their home policy.
Answer: Depends on the situation.
If just renting a room, then nothing really to do. Would need to advise that roomer needs to get contents policy for themselves.
If the home has been restructured to have a separate entrance for the roommate, then the policy would need to be re-rated as a multi-family home.
If renting to more than one person/family, most companies would not want to write this risk. It would be best to check with an underwriter on this situation.
Montgomery UW Greg
We allow up to 2 roomers or boarders under a home policy(The insured + up to 2 roomers or boarders).
However, we are only providing property & liability for our insured.
Greg
Why do insurance companies use insurance credit scoring?
Insurance companies use many factors to underwrite an insurance policy. In addition to factors like age, marital status, driving record and type of vehicle, most insurance companies use credit information to evaluate a consumer's financial responsibility.
Insurance companies have found a strong correlation between financial responsibility and insurance losses. The credit information that the company reviews focuses primarily on bill-paying behavior, not credit-worthiness. Using credit information allows insurance companies to assess risk more accurately.
The insurance scoring will not see your actual credit report during the underwriting process. The information will be ordered through an automated system and interpreted by a quoting system in the form of an insurance score. The score will then be used in the underwriting process. When a company uses credit information as an underwriting tool, they are only concerned with the risk grouping into which a consumer falls, which will ultimately influence your insurance premium.
Will it affect my credit score?
No. The inquiry from insurance scoring will appear on your credit report as an insurance inquiry. Insurance inquiries are only reported to you, so they will not be included in credit score calculations by other parties.
You cannot quote dwelling fire thru the website. Apps have to be submitted to Kemper via fax for quotes and issue. We must write the primary home in order to do the dwelling fire. The primary home could also be a renters policy if that is the case.
1. Go to clients current Kemper home policy and add Acord 84 dwelling fire app form
A. Most of the information will pull into the app.
B. Add rental property location to app
C. Complete all information on values, home info, and answere questions.
2. Print Application
3. Fax to Kemper - (Fax #: 904-596-4036).
4. Use letter template in partner (Fax: Fax to Kemper - Dwelling Fire App - Quote)
5. Set reminder for 2 days to check for quote. (Turnaround time is 24-48hrs)
Notes:
Add any other information to fax cover letter that may be important to quote.
10% of Coverage A is automatically included for Other Structures and Loss of Use (Rental Value)
Addl Living expe up to 25% per month is included also.
Personal Liability & Med Pay coverage must be extended from the primary policy and are not offered on the dwelling fire policy.
6. To bind coverage: Fax app to Kemper ( Fax # 570-496-5511) using partner letter:
Fax: Fax to Kemper - Dwelling Fire App - Bind
7. This is a manual entry policy and will not down load into Partner.
8. We will receive a dec page in 2-3 weeks or we can call to verified issued.
Question: What is the difference between Ceded and Voluntary Liability?
Answer:
Ceded Liability
The insurance company is placing the liability thru the reinsurance facility. Basically they are buying insurance against the risk. They are ceding the risk to the facility. This is usually done with high risk drivers and with liability only policies.
Voluntary Liability
The company is taking on this risk voluntary and not placing in the reinsurance facility.
Question:
Which companies will write coverage for a MODULAR home (not mobile or manufactured homes)?
Answer:
Bankers - Only if year is 2007 and newer
Hartford – yes, they will write a true modular home if it meets all guidelines, and the following:
· Built since 1990,
· The structure must already be installed on sight. We do not want to cover dwellings in transit to the construction site either under the homeowners policy or the dwelling fire course of construction
· Insured 100% to value based on Marshall Swift/Boeck (MSB) Residential Costimator tool.
The Hartford will not write Manufactured / Pre-Manufactured Homes, or Mobile Homes.
Kemper – Under certain conditions they are acceptable:
1) They are truly modular (not mobile) and are affixed to a permanent foundation.
2) They meet all the usual HO guidelines:
a. Minimum $100k coverage a
b. Minimum 1000 square feet
c. And all other HO underwriting requirements
Lititz - Yes, if true modular
Montgomery – Yes, If it is a true modular and not a pre-manufactured home, we can accept the risk. UW Greg Matthews. We would just select if it is frame, siding, etc.
Safeco – yes, Safeco will write coverage for a modular home.
NG does not charge the points on the MC policy if they have a NG auto policy.
Progressive charges on both policies.
Question: Is a spouse covered as a passenger on a NC motorcycle policy?
Answer: NC motorcycle policy allows for any guest passenger, spouse or otherwise, to present an injury claim while riding as a passenger on a motorcycle. The coverage afforded is Guest Passenger BI.
We would need to do the following:
**** We want to get this request in writing for our files, although insurance companies do not require it****
GMAC: As long as tags have been turned in, we would fax to GMAC a written request that the policy be converted to a non-owner’s policy.
Progressive: Call change request in to Progressive and they will process.
Safeco: They do not convert policies to non-owner’s. We would need to cancel current policy and re-write as a non-owner’s policy.
Kemper: They are not able to do this as they do not write stand alone non-owner’s policies.
Victoria: Either our office or the insured can call Victoria and they will process change request.
Foremost: They do not write non-owner’s policies.
Farmers: They do not convert policies to non-owner’s. We would need to cancel current policy and re-write as a non-owner’s policy.
Farmers:
Yes; client can call us and we can do the change for them; however next bill may be a little higher to allow for the adjustment of the due date.
GMAC:
If on EFT, yes; however, change must be received 10 days prior to scheduled draft date.
Kemper:
For EFT, customer cannot change a due date once scheduled but as long as we contact them three days prior to date scheduled, Kemper can “zero out payment”. The agent must call and make this request.
If customer chooses this option, they must manually make payment.
Five days after due date, a late fee will be charged and ten days after due date, a cancellation notice will be generated.
For us to change future payment schedule (as long as they’ve not been billed for this payment):
Choose Customer Service Tab;
Enter policy number;
Choose EFT Maintenance Tab; and
Change date w/ drop down menu.
Under where you’ve changed the date, there a box for you to check where you’ve received authorization form. Ask client to put this request in writing that they wish to change the due date and attach this to original EFT Request Form that we have.
Montgomery:
Yes; you do have to call billing and they will also request that you email them the request or fax the request. Easiest to get the reps email and send to them while you are talking to them.
They do require 4 days notice to change a current billed draft.
Progressive:
Yes; customer would need to call Progressive at this time; agents cannot make changes.
Safeco:
Yes; but change will only affect future bills and not any issued bills.
Safoco billing reference guide
Victoria:
No; company does not change due date; client must wait until renewal.
Question: How long do I have on my Payments ( Process that takes place if a client doesn't make payment on time)
Below is a list of late fees:
Company Days until Late Days until Cancelled Late Fees Notes
National General 0 6-17 $10 $10 starts 10/1/17
Kempe 5 ~ 30 $20
Lititz Cancellation notice goes out 20 days after the issue date and the Cancellation occurs 15 days after that. After the Cancellation notice is sent, there is a $10 late fee.
MetLife depends on equity inf policy 10-15 $25 See billing reference guide in information
Progressive 2 0 If early invoice ~ 21 $10
Safeco
Please Note: Client will receive a cancel notice in the mail and the cancel date on the notice is the ultimate date that the policy will cancel.
Printer in CLT: When you print labels you will have to re-set the print spooler.
In search box type administrative tools - services - print spooler then click on restart.
You should now be able to print. You have to do this for each computer as the printer is connected to the internet and not the individual computer.
1. Progressive allows you to reinstate up to 30 days. This can be done online or have insured call Progressive.
2. If cancelled 30-45 days, can use the rewrite re-fill function.
3. If cancelled > 45 days, have to use rewrite re-fill on policy tab button
4. If unable to use the rewrite re-fill function, upload policy into rater to re-quote.
Question:
Progressive is requesting “Proof of Garaging” because they are unable to verify the address where I keep my vehicles. What do I need to do?
Answer:
To maintain your current rate and avoid possible cancellation, please provide us with one of the following documents showing you or your spouse's (if applicable) name and complete address.
* Military ID
* Current signed lease agreement
* Current year's W-2 (accepted January through May)
* Current homeowners or renters Declarations Page
You may also provide us with one of the following documents if dated within the last 60 days:
* Paycheck stub
* Home inspection
* Mortgage coupon
* Property tax bill
* Auto/home loan paperwork
* Moving company statement
* Corporate housing document
* Tuition bill showing room and board
* USPS confirmation of an address change
* Voter registration card or change of address
* Bank statement (online statement is acceptable)
* Current utility bill (cell phone bills are unacceptable)
* Thank you/confirmation letter from utility company showing change
of service address
You may fax or email to us or directly to Progressive at 1-800-229-1590. Be sure to include your policy number and name on the documents.
Question: Reinstatements after Cancellation
( time period allowed and stipulations )
Answer:
GMAC yes w/i 30 days
Hartford By review only. Must call company
Kemper yes w/i 30 days
If 3 cancellations or 3 NSF w/i 3 years then client is NOT eligible
Montgomery yes w/I 30 days
UW may review due to pay history, claims and first term clients.
Progressive yes w/i 30 days (If it cancels at renewal, can reinstate up to 14 days without a lapse. After that can reinstate (renew) up to 60 days but WITH a lapse.
NSF “may” inhibit reinstatement
Safeco No Once the postmarked payment date has passed with no or insufficient payment the policy will cancel. If the policy is reinstated it gets reinstated with a lapse at the current rate level. The same policy number is kept and the term goes either 6 months or 12 months from the day of reinstatement depending on the policy term. If agents are looking for exceptions to this process they would need to contact Underwriting for further consideration to have the policy reactivated without a lapse in coverage. We review these situations on a case by case basis.
The insured needs to provide one of the following:
1. Proof of other insurance.
2. Proof that driver no longer lives in the household. Ex: utiliby bill, lease, or a pay stub showing new address.
This information can then be faxed to the insurance company to have the driver removed from the policy.
If one of the above can not be provided, driver will not be able to be removed from the policy.
Send clients here if they email you about this question
http://www.ifitsinsurance.com/insurance-for-rental-cars.html
When a client calls to find out if they have coverage for rented vehicles, you have to check a few things:
1. Do they have comp/collision coverage?
2. Do they have endorsement NC 03 30?
Liability and comp/collision coverage will extend to a rented vehicle. The coverage that is in question is the loss of use that the rental car company will incur if their rented vehicle is damaged. Regular comp/collision does not extend to loss of use nor does the standard NC auto policy include this coverage.
In order for loss of use to be covered, the policy must have the endorsement NC 03 30. Click here for a copy.
Not all companies offer this coverage.
Below is a list of our companies that do offer and can be endorsed automatically. Rate is $4/year.
Kemper
Progressive (2016 this is now part of the policy)
Safeco
Victoria ($2.01 per 6 months)
Hartford (They will add, but you have to call to have added to the policy)
Companies that DO NOT offer:
National General
Yes, it does…partially. If the policy has comprehensive & collision, the policy allows you to transfer coverage to a rental car or other substitute transportation. However, if you are involved in an accident in the rental car, the rental company can hold you liable for the ‘loss of use’ of the rental car while it is being repaired. If this happens, your insurance policy DOES NOT cover the ‘loss of use’. The loss of use can sometimes be very expensive. Brown-Phillips Insurance always recommends getting the damage waiver protection that the rental car company offers to be fully protected.
some companies do offer endorsement to add the loss of use. See list above
How can I insure a property I own but rent out to others?
In order to insure a rental property a special policy form is needed, (Dwelling Fire Form) and our agency must also write the insurance for your primary residence. I can take your home and rental property information over the phone or I can direct you to our website and have an agent give you a call back shortly.
If you do not currently own your primary residence, we do have a company that will allow this exception, but the rates are higher.
Review the Foremost Specialty Guide
Will the personal Liability of the primary home policy cover incidents on the rental property?
The primary home policy will only cover the liability if you endorse the primary home policy with the rental property. This can be done for a premium.
The endorsement is called: Additional Residence Premises Rented
Otherwise you will need to purchase liability on the dwelling policy.
Note:
As for Umbrella Liability, it will not cover the rental property if you do not already carry underlying liability coverage on that property, but it will cover anything in excess of existing liability coverage.
Question: When processing an endorsement with Safeco and you get ‘B-Error’ under
Status, what do you do?
Answer: You must call Safeco and have them manually remove the error code as this
Seems to be a glitch in their system.
Question:
Can liability coverage for a rental property be endorsed on the primary policy to extend to the rental property, as opposed to adding it directly to the dwelling fire policy?
Answer:
With most of our companies, yes we can.
However, Safeco no longer allows this. Liability coverage must be added separately to the dwelling fire policy.
If we insure the client’s primary home and they have a rental property outside of NC, we still would not be able to extend liability from the primary home policy to the rental property. To insure a rental property, we must also insure the primary home, and both MUST be located in NC.
Will companies offer comp/collision for vehicles with salvage titles?
1. Create new file for spouse if he/she still has own policy & other spouse has own policy; If only one person has a policy, then do Spouse – Remove.
2. Use ‘Prior Client Since’ date;
3. Get spouse’s contact number(s) and email;
4. Update each spouse’s contact information in their particular Partner file and remove others;
5. Make note in comment for both files;
6. Move policy to be moved to new file and VERY IMPORTANT THAT YOU DO NOT DELETE OLD FOLDER;
7. For old file, print ‘Client Update’ letter. If any changes are pending that would change premium, MAKE NOTE TO PRINT CLIENT UPDATE AFTER CHANGES HAVE PROCESSED;
8. For the new file created, print letter - Client Change – Spouse – New Partner File; and
9. Follow instructions on Client Change sheet.
If the client needs an SR-22 filed, the only company that will do this is Progressive.
If the client has DWI and no SR-22 needed, GMAC or Victoria is best fit.
Spouse will need to be listed on their policy.
sr22, sr-22, SR 22, SR22
I called PROGRESSIVE about FR-44 they said they could only do a FR-44 in the state of Virginia. If they are in NC all they can do is the SR-22. she did also say after the 1st time you dont have to file it anymore
When writing a VA licensed person look for the following on the mvr. Would have to pull mvr with NG as Progressive would not show this info.
*** ATTENTION: FR REQUIRED - SR22 ***
Or
*** ATTENTION: FR REQUIRED - DOUBLE MINIMUM LIMITS FR44 ***
The minimum limits in VA are 25/50/20. If they have this one, they would need 50/100/50 limits.
Note: if it shows the second one then FR44 is needed and we would not be able to do that.
Personal property located in a self-storage facility is now limited to 10% of coverage C or $1,000, whichever is greater.
What companies are reimbursement for towing or a true road side assistance?
Below are reimbursement companies: (This list needs to be updated)
National General
What companies will allow a trampoline? Click here for list
Question:
What happens when we find out someone uses their personal auto for work delivering food (or other goods such as newspapers, pizza, etc.)?
Answer:
All the personal auto insurers we write with consider this an ineligible risk. If a client is insured with Victoria and they use the vehicle for food or goods delivery (or use as a taxi), a Business Use Questionnaire must be filled and returned to us by the insured. We then must submit it to Victoria for review, at which point they will non-renew the policy.
We can rewrite as a commercial policy with Progressive or GMAC.
Question:
What to do if a client wants to delete a vehicle after total loss claim filed?
Answer:
1. Ask client, do you have a rental vehicle now?
If yes, advise the client that they will still need to have physical damage (comp/coll) on your policy;
If no, how long until you plan on getting another car?
2. If they plan to get a car soon, advise we can transfer the car once they get and to contact us with the information on the new vehicle.
3. If they are not planning on getting another car and do not want to convert to a non-owners policy, ask them if they have turned in their NCDL yet because in NC if you have a valid DL, you must have liability insurance. Advise them once we receive the proof, then we can cancel the policy.
Call client to verify vehicle details(i.e. adding/replacing, coverage's)
If unable to reach client, make one follow up reminder.
If no response, add vehicle to policy using standard full coverage of: 250/250; 100 towing & 30 rental
Make notes in partner and a note in comments.
GMAC: Six; however, if more than six, write two policy (i.e., eight vehicles, 4 on one policy and four on the other) so multi-car discount is received and inform GMAC what you’re doing and they’ll combine policies.
Progressive: Four and write another policy for any other vehicle(s). Answer “yes” to question about 5+ car policy and this will tie policies together so multi-car discount is received and insured will not be charged twice for any violations on second policy.
Safeco: Four and then we would need to call Safeco at 877-566-6001 to have them create the fifth car policy.
Kemper: Four and write another policy for any other vehicle(s).
Victoria: Five and they will only issue one policy per household unless it is for a parent/child and then they will write a second policy. If not for a parent/child, they will have to go with another insurance company for other vehicle(s).
Foremost: Unlimited but will only write physical damage policies (comp and collision).
Farmers: Five and write another policy for any other vehicle(s).
This is sometimes called a 5th car policy or fifth car policy.
When a client needs to transfer and upgrade to full coverage on a new car with a future effective date:
Advise client to wait and call us when they are at the dealership and give us the following information:
- Full VIN number:
- Deductibles desired:
- Rental and/or towing coverage:
- Lien holder name and address:
If we will not be available at the time they go to purchase the car, (weekend or after hours) double check their current coverage and if they actually already have full coverage, it will automatically transfer to the new car for up to 30 days. They will most likely have to provide proof of their coverage at the dealership which we can send them. They can then call us during office hours with the vehicle information and we can add it to the policy. Otherwise, if they just have liability only, advise the client to call their specific insurance company directly to make this change when they’re at the dealer. Make sure they specify that they need to upgrade to full coverage and that the agent is not available, as in some instances, the company will try to refer them back to us. The company then should be able to send over verification of insurance.
What is it and what does it cover?
Safeco provides comprehensive homeowners insurance products to meet your customers’ needs and that includes an optional endorsement that may help protect your customers from the potentially disastrous effects of water backup. Water backup is one of the most common causes of loss for homeowners but also one of the most misunderstood.
The key to selling the optional endorsement is to understand what is covered in the base homeowners policy, what is covered by the optional endorsement, and what is not covered under any circumstances.
Safeco's Homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. As this chart shows, the optional endorsement expands the coverage to provide better protection. This optional endorsement is called Escape of Water from a Sump, Sump Pump or Drain on the Residence Premises.*
Covered by homeowners policy
Not covered by homeowners policy
Covered by the optional endorsement
Toilet or shower drain gets clogged and overflows causing damage
Sewer line in the street backs up and causes the overflow
Coverage is expanded to include backup or overflow from causes originating off premises as long as the backup or overflow itself occurs on the premises
Water that escapes, overflows or discharges from a sump pump, sump well or any other system designed to remove water which is drained from the foundation area
Coverage is provided when water escapes, overflows or discharges from a sump pump or other similar system
To provide additional flexibility, Safeco offers two variations of the optional endorsement. One provides coverage for damage to building and contents while the other covers damage to building and specifiedcontents. With the latter endorsement, the specified items that are covered are washers and dryers, refrigeration units (not including contents), cooking ovens and ranges, dishwashers and built-ins such as furnace, carpet, air conditioners, etc. Limits up to $50,000 are available in most states.**
Flooding is the most common excluded coverage. Whether the result of a river overflowing its banks or a dam breaking, water damage caused by surface water entering the house is not covered.
Overflow originating off-premises is not covered. This would include a sewer line breaking in the street and causing water to flow over the surface in to the house.
Sub-surface water is excluded. For example, if a swimming pool or sprinkler system leaks underground and causes water to seep through the foundation, there is no coverage under either the base policy or the optional endorsement.
Learn more about our optional coverages, including selling points, in our Safeco Homeowners Insurance Optional Coverages reference guide.
All statements made are subject to provisions, exclusions, conditions and limitations of the applicable insurance policy. If the information in these materials conflicts with the policy language that it describes, the policy language prevails.
*Optional coverage not available in LA. Option YY (Water Backup and Sump Overflow) is still used in states that have not launched our New Home Contract or that continued to maintain grandfathered books of business after the New Home Contract was launched.
**Available limits and premiums vary by state. Pleasecheck your state product guide for specifics.
We are only licensed in NC and SC
Auto Policies
1. Update address in partner and with the company.
2. The company will typically non-renew at the renewal.
3. You will want to make a follow up at the renewal date to verify what happens.
4. If company non-renews, print soc cancel form at the non-renewal date.
5. If the client wants coverage in the new state right away, they have to cancel the policy and get coverage in that state.
Home Policies
1. Insured will need to cancel policy.
2. If insured is keeping the home and renting, have to write a dwelling fire policy.
3. Quote dwelling fire with Foremost.
4. The home has to have a tenant to qualify.
5. Write new policy and cancel old policy.
6. If insured does not write new dwelling fire policy, submit endorsement to company advising home is now a tenant occupied home.
7. Company will then cancel current policy.