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Auto Anti-Theft Systems: Staff Training for Insurance Discounts
Auto Anti-Theft Systems: Staff Training for Insurance Discounts
Objective:
To equip staff with the knowledge to identify and understand auto anti-theft systems, explain their benefits to clients, and accurately document them for insurance discounts.
Key Concepts
Key Concepts
Anti-Theft System Categories:
Understanding the different categories is crucial for accurate documentation and discount application.
Insurance Discounts:
Anti-theft systems can significantly reduce "Other than Collision" premiums.
Documentation:
Agents must document reasonable proof of installed anti-theft devices.
Visible warning labels are a requirement.
Identifying Anti-Theft Systems
Identifying Anti-Theft Systems
Category I
Category I
Ignition cut-off switch
Non-passive alarm
Steering column armored collar
Category II
Category II
Fuel cut-off device
Steering wheel lock
Armored cable hood lock
Emergency handbrake lock
Car transmission lock
Category III
Category III
Passive alarm
Passive fuel cut-off
Armored ignition cut-off
Multi-component cut-off
Time delay ignition
Armored hood lock and ignition cut-off
Delayed ignition cut-off
Ignition lock protection
Hydraulic brake lock
Window etching
Category IV
Category IV
Vehicle recovery system
Category V
Category V
Combination of Category III and IV.
Client Communication
Client Communication
Explain the benefits of anti-theft systems for both security and insurance discounts.
Guide clients on how to identify their installed systems.
Emphasize the importance of visible warning labels.
Explain the documentation needed for discounts.
FAQ link: https://www.streetsmart.insurance/faq/protect-your-ride-understanding-auto-anti-theft-systems-and-insurance-discounts/
Risk Mitigation
Risk Mitigation
Ensure accurate documentation of anti-theft systems.
Advise clients on regular system maintenance.
Clarify the requirements of the New Jersey Program Manual.
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