Getting Correct Vin #

We always try to quote our lowest rate. If we have to "Guess" we guess Low not high. At the time we take an application, we need to get the most accurate info we can. This could result in us needing to change the quote. I have found it is easiest to "Requote" at the time we find out the new information; rather that at some later date.
One of the common changes comes when we find that the person's Vin #

does not match with what we used to determine the rate
.

If the problem can be solved be just endorsing the correct Vin # do so; but if the company requires some kind of verification or we can't reach the customer by phone and have to send a request. use the form above.

Copies should be on your desk, if you need more Larry can print more for you.

Proof of Prior

We always try to quote our lowest rate. If we have to "Guess" we guess low not high.
At the time we take an application, we need to get the most accurate info we can. This could result in us needing to change the quote.
I have found it is easiest to "Requote" at the time we find out the new information; rather that at some later date.



One of the common changes comes when we find out the the person does not have Prior Insurance , even-though our rate reflects that he (or She) had prior coverage.



If the person DOES have prior insurance but we do not have a copy to show to the carrier, we need to get at photo copy.

On the F drive is this letter.

We should have copies handy at all times. If you run low Ask Larry

Two Policies Same Customer

Watch Out For
Two policies for the same customer going to the same company.

If we have a policy for one car a customer owns on a policy with Company X, and then we order a different car for that same customer on a separate policy also with Company X, we are creating what could be a major problem.

If this person has a claim, there is a substantial chance the company will deny coverage.

If anyone is aware of something like this “slipping –through”
Put it in the problem tray to go over it with Jerry.

Incoming Mail

Urban Mail


Each day the mail comes in and it is given to Larry to separate and pass out according to the list below:

Insurance Company Mail = Toya
Customer Mail = Lucy
Returned Quotes = Credit Folder
Not our Mail = Reyes
Returned customer mail = Toya
Bills and Miscellaneous = Larry


If the Mail does not arrive by 1: 00
Roxana will go down and get the mail out of the box.
The Key is hanging up on the corkboard.

Towing flyer

This is the flyer we use to send to tow trucks.

Taking an Application

Procedure Sheet

Taking an Application

Things to look for when obtaining an application.

When we do a quote the idea is to get the person to agree to start insurance.

We understand they are getting quotes from many places, we do not want to take up too much of their time, nor do we want to scare them off.
If we ask more information than our competitors do, than we might find out information that forces us to quote a rate higher than the rates they are receiving at other places.


We are in need of additional information in order to start insurance.
When the person says YES, we need to take an application at that time we do our best to get more info including:
A cell phone, second phone # or a fax #; also try to get an Email address.
Work info, if student, make sure they do not reside in a different city.

To avoid problems, if a person says they are a painter, or Care-giver; ask if they work for a company, and or use a company vehicle, if they do and we tell that to the company, it will save us a lot of work not having to provide a signed “Non-Business Statement.

While taking this additional information, you need to understand what will change the quote we provided to them. Below are some examples.

1. The year, Make or Model of the car, (this is especially important if Full Coverage)

2. Driver’s age ( 46 yrs old - to 45 yrs = no change 23 yrs – 22 Does make a difference)

3. You find out they have Tickets or Accidents.

4. You find out they need an SR22

5. They use their car for business, (or work at a job where the insurance Co. might assume they use their car for business).

6. We find about additional drivers

7. Change in marital status (A spouse must be listed or excluded)

8. Car more than 15 years might need mechanic statement

9. Turns out they DON’T have prior insurance, when they were quoted with previous

10. We find we have a student away form home.

11. Occupations are the list of possible problems.

12. You find out about additional drivers.


These changes might require that we get additional information, and or need to be requoted. Any question, please show it to Larry.



Notice 11/17/11

Procedures for when to send a Bond Card.

Bond Cards cost urban Insurance money. Every policy does not get a bond card.

Look on page 2 where the billing information is written.

If you see that the billing includes a charge ($25 for six months or $35 for a year) for Bond Card, then send a Bond Card.

If you see the billing info states “Free Bond Card”, then send a bond card.

If the order does not say Free Bond Card, or the customer is not being billed for a Bond Card; then do not send them one.

Calls to Make

Call each of these quotes from yesterday.
See what our best offer was, and again offer that to them over the phone.
The Idea is not just to give out "Quotes" but to Sell Insurance!
If the person is not at home:

1. Leave a message that is clear, and has our phone number stated twice.
2. Give the person a reason to call us back by saying something like, “This is Your Name, I’m calling you back about you’re the car they want insured. I can get your insurance started for just Our best down payment. Call me I might have a way to get an even lower rate”.

If you can speak to them:

1. Make sure you give our best offer.
2. Ask for the sale!!! Start taking the app., don’t wait for them to ask you. You ask them “Do you want to start this with a credit card, debit card or a check?”
3. If you find them at all interested, but they do not jump to start the coverage, try to transfer the call to Larry or Judy. Tell them “ let me transfer you to my manager, to see if there is any better offer they can make to you”
If you can’t start the policy but get a “promise to pay” then mark that on the face sheet along with the follow up date, and then put that in with the Follow-ups. If you cannot get the order started or a promise to start, and we have spoken to or left messages twice, then toss it out.

No License or Unverifiable

Check the list below to see if YES they will take or NO they will not.


Company

American Freedom Yes

Safeway No

Unique Yes

Founders No

Universal Yes

Interstate No

Heartland Yes

American Service Yes

Apollo Yes

United No

Occupations that are a problem

Check the list below to see if YES they will take or NO they will not.


Company Bartender Entertainer Model Consultant
American Freedom No No Ok OK

Safeway Yes *OK Class 3 Class 3

Unique No Class 3 Yes Class 3

Founders Yes No No Class 3

Universal Yes No Yes Yes See ASI

Interstate Yes Yes Yes Yes

Heartland No No No No

American Service Yes No No *Yes
*only if they go to no more than two sites/day


* = If the person goes to the same place each night. For example someone that plays piano every night at the same restaurant- is fine, If they go from place to place- then it is commercial.

Ask how they Knew to call Urban

Sales Technique

How to close a sale

We need to make every effort to close every sale.
Callbacks are important but the best time to sell is when we have them on the phone already.
Too often we just leave a message or do not reach them at all.
If you are speaking to the “Decision maker” and they do not grab your offer, turn the call over to Larry, Judy or Sharon.

Working out a quote when the person is on the phone:
1. Be friendly. I want to see you smile. The tone of your voice reflects your attitude and is obvious to those with whom you’re speaking. If you are not happy, if you come across less that excited, the potential customer will not be excited by any thing you tell them. If you don’t believe in what your selling why should they.
2. People “Buy” from those they “Like”. If I’m able to sell a $100,000.00 brand new Porsche for $60,000.00, I could sell the car even if they did not like me. If I tried to sell the car for $150,000 I would fail no mater how good of a sales person I was, or no matter how much they liked me. But typically we find our selves in a situation where the person calling us has gotten 2 or 3 similar quotes- they will buy from the one they like the best, is easiest to deal with, and they are most confident that the company understands the policies they sell.
3. No one like to feel they are being “Interrogated” You need to take control of the call, but try to make it feel more like a conversation. In taking questions, comments like “ Oh, I used to live down the street” “That’s near my favorite restaurant” “That’s my son’s name’ any thing you can do to make you sound “Human” helps people like you and makes it more difficult for them to say no.
4. If you have a young driver, ask if they are “Part-Time”, Ask if they have insurance now. Get their date of birth. We want to quote our best price every time.
5. If they are not sure which model of car they have, guess the cheapest one.
6. After working out our best rate, use the following rules:
a. Take 5% off the cost of the insurance
b. Take the ‘Full down payment”(15% = 1 year 25 % = 6 months) We have a bit of flexibility.
c. Give them this price adding, “ This is a great Price” “We deal with 17 different companies: so we always give the lowest prices.”
d. If the person does not start the insurance, act surprised after all we gave them our best price super low down payment, we were nice to them over the phone, why not start insurance.
e. Ask them “What other rates have you gotten”
f. Do the Math! If they say they got a better price ask them “How much down how much per month. Add it up you can almost always show them that it does not add up. Most of our competitors do 1-year policies down payment plus 10 monthly payments.

We must have the following marked on each quote:
1. The quote we gave to the customer
2. The comment what did the person say we need to figure out should we follow - up and if so how?
3. When we follow-up on a quote, if we left a message. Who did we leave the quote with?
4. Make sure that we make our best sales pitch.

We need to ask for the sale!
"Do you want to come in or
Do you want to start over the phone"
You need to assume they will start if they do not find out why not. Mark on the sheet the reason you think they did not start insurance that day. If it is because they don't have a car, I understand but if it is because of another reason, find out WHY.
Ask "What other rates have you gotten" How much down how much per month how many months. Add up their Best Deal , 9 times out of 10 your deal is better. Most of our competition uses 10 payments. Multiply by 10, then add the down payment.
If we don't have the best deal, mark down what their Best Deal is and give it to Larry A.S.A.P. we will beat their best deal.

F.R. Filings:
Sr-22 that are for full coverage need to be done twice.
Once with FR once with out. We can take the Liability FR rate and add it to the No FR. Physical damage rate.

Do not be in a hurry to get potential customer off the phone.
Do not give customer a reason not to buy insurance from us.
Never yell at them.
Treat them the way you would like to be treated.
Remember, it costs us about $26.00 each time the phone rings;
Don’t give out quotes Sell insurance

Rechecking Web Quotes

We get more than 90 web quotes per day; these cost us thousands of dollars per month. It is for this reason that we need to provide the most competitive quote possible. The information coming in on the web quotes are often incomplete or inaccurate; so we are going to work out a present quotes based on providing the lowest possible price.

Only a small percentage of the people will actually start the insurance, at the time the customer states that they want to buy the policy we need to take the complete application. This will involve checking back to confirm that the info used and assumptions made, were in fact correct.

If at the time you take the application you find the rate is going to be more than $25 higher than what we quoted, you need to show that order to Larry before you order the coverage. If I am not here, show it to Jerry or Sharon.
It might be necessary to switch the carrier and or to “Resell” the policy to reflect the actual cost of the policy.

Old Customers calling for a Quote

When a person calls looking for a quote, we need to ask them if they currently have insurance, if they do we need to find if that insurance is through us.

If they have insurance with us now, or had insurance with us in the past, we need to have the folder in order to give them a proper quote. This means we will need to take their info, and tell them we will call them back.

We are trying to avoid the following problems:

1. It turns out they are currently covered by Urban.
2. They were dropped or non renewed by a company, and we don’t want to make the mistake of quoting or placing coverage back there again.
3. I don’t want to replace a new policy at a lower rate and or commission then the prior policy. (There will be some limited exceptions).
4. We know more about an old customer than we do with strangers. If the person had 4 points in March, then the policy got cancelled in June, now when they come back to Urban in July, they will still have those 4 points.

On someone we never insured before, we have a “Chance” to go back and rebill based on “Uncovering info” but if we had them before, they will not pay any rebill stating that we should have know about the MVR.
Jerry or I need to see these Old Customer quotes prior to quoting

Monthly Payments made by Credit or Debit Cards

Will carry a $3.00 Fee.

Jerry wants this to start right away. When someone calls in a charge just add $3.00 to the total,. For the past 5 months, all charges made on line have carried a $5.00 fee, we are offering a lower fee for the customers that call in the charges, even though they actually take us more time and cost us more money.

Years ago when we first started taking charge cards, we would do one or two per day, now we are collecting about $130,000.00/ month. This costs Urban about $ 3,200/ month and we can no longer continue to absorb the cost.

Nothing on your desk more than 24 Hours

Notice

There are several on going problems that continue to cause us problems and grief.

These actions range from annoyances to critical, and expensive mistakes that can leave Urban Insurance responsible for a loss.

1. Get everything off the printer.
If you print anything, get up and get it as soon as reasonably possible. Also make sure you take all of the papers you printed, including those you accidentally printed twice, blank or nearly blank pages. If you take pages off the printer and find one or more of those pages are not yours, quickly return those pages so someone does not need to reprint them.

2. Nothing on your desk over 24 Hours
This causes us nothing but grief, complaints and worst of all, can result in someone having a claim for which we have left them uninsured. At the end of each day make sure you show Jerry anything you cannot get off of your desk.
When he is out of town, put problem into the “Problem tray” to go over with Jerry over the phone.

List of Articles and Information

Click through these list of articles for more information.
No License or Unverifiable
Occupations that are a problem
Ask how they Knew to call Urban
sales technique
Rechecking Web Quotes
Old Customers calling for a Quote
Monthly Payments made by Credit or Debit Cards
Nothing on your desk more than 24 Hours
List of Articles and Information
Phone Answered by 3rd Ring
6 Month Follow-up
Rewrite of a Cancelled Customer.
Email Quotes
Urban Insurance has a BBB rating of A+
Proof of Insurance Email
Email Addresses for Urban
Application for Insurance Quote
Entering Contracts
Where to file quotes after follow-up
Follow Up of Quotes
Problem Tray
Cancellation due to Underwriting
Occupations that effect rates or acceptance
New Info found while taking app that changes rate

Phone Answered by 3rd Ring

There cannot be any exceptions!

I just had the woman from Hunter towing call to say she had been calling for one month and today was the first time she was able to reach Urban.

We are in the worst recession since the 1930s, it is 12:30 I have one sale listed for today, and I have customers complaining that they can not reach us by phone.

I have been complaining about “Picking up the phone” for years; but it has gotten to a crisis point.

If we can’t answer the phone by the third ring, Urban can’t cover Payroll checks.

6 Month Follow-up

The idea is to reach people around the time that they are going to be once again shopping for insurance.

We assume that if a person contacts us for insurance in April; they are probably looking to buy insurance in the coming days. If they do not buy from us, then they probably bought insurance from someone else. If that’s the case; they will likely be shopping for insurance again in six months.

When a customer contacts us; we make our best effort to sell them. Remember to always approach each call as if they are going to say yes. Tell them “I’ve got a great rate for you”, “You can start this for just _$_______.
If that does not work file the quote by month up 6 months ahead, unless the person told you, or the sheet indicates that they expire a different date; in that case fill that sheet under the month they are most likely to once again be in the market for insurance.

Date They Contacted Urban Date To File Sheet

January July

February August

March September

April October

May November

June December

To follow-up on these old quotes; assume the info is the same as last time.Email a new quote with a rate that is 5% less for Liability only and 10% less for Full coverage. Then toss the sheet.

Rewrite of a Cancelled Customer.

Let’s say we have a customer that starts a policy. Pays a down payment, and then misses a payment resulting in the policy getting cancelled.

Now that person calls us up to make a payment, not knowing their account was cancelled, or maybe they know that their policy was cancelled- in either case the person again wants a policy.

Wonderful - we will be happy to start coverage again.

I don’t want to be seen as “Penalizing” a customer for having their policy cancelled, but at the same time I don’t need to reward them. I find I can usually not even give a quote, but just tell them they need to send in $_________, to get coverage up again.

1. Pull the folder and look at the last policy.
2. Check if the rate came in higher than we quoted, We do not want to make the same mistake again. Maybe they had a bad MVR, or a more deluxe car than we thought; now that we know that- we should not make the same mistake.
3. Because a customer was irresponsible and let their policy get cancelled- we do not need to “REWARD” them by offering a rate lower than before.

I want to run a new quote based on the info that we know, if the rate is higher then OK, if the rate is lower….. Quote the rate we had before
The exception would be if the person coming back has made a change that would obviously reduce the rate, then fine- quote that rate.

Email Quotes

In an attempt to may our best attempt to sell a larger percentage of the quotes we send, I would like to see a personal comment added into the Text Box.

For those that are Liability Only, I would like you to add the option for them to buy UMPD (Uninsured Motorist Property Damage)

I do this by adding the text below into the text window.
Add Insurance Plus UMPD for only a $15 Premium

We also have a lot of young drivers that might in fact really be secondary drivers on their parent’s policy.
The idea is to get any of the people to whom we send quotes, to call us back. If we can talk to people on the phone- we have a much better chance of writing them.
That’s why I want a personal note that gives them an extra reason to call us. If we can make them think that maybe we can reduce the price further, they will be more likely to call us.

Call me; I have some ways to reduce this rate further. Apologize
(Then mark your name)


Does everyone know to, and remember to, check this box?
- Automatically Schedule Next Day and 6 Month email message to be sent

Urban Insurance has a BBB rating of A+

BBB Accreditation
Urban Insurance Agency/U. I. Payment Plan both fall under the BBB Accredited business Program.
This means it supports BBB’s services to the public and meets our BBB Accreditation standards.
BBB Rating for Urban Insurance Agency/U. I. Payment Plan

Based on BBB files, Urban Insurance Agency/U. I. Payment Plan has a BBB Rating of A+.
Click here for an explanation of BBB Ratings

It began with a desk, single line phone and an idea to provide low cost car insurance without compromising personal service. Over the past 45 years, URBAN INSURANCE AGENCY has grown to one of the larger auto insurance agencies in Chicago. But as we have grown we have never lost site of our commitment to personal service. We take pride that after many years in business we are providing car insurance to the children and even grand children of some of our first auto insurance customers.
Urban Insurance, in addition to auto insurance, specializes in covering Motorcycles and all types of Commercial Trucks. We are one of the area's largest insurer of Tow Trucks, as well as low cost market for Messengers, Medi-Cars, and Landscapers.
Over the years, we have expanded to be licensed in the states of Michigan, Indiana, Mississippi, as well as our home state of Illinois (convienently located in Chicago).
We represent more than thirty insurance companies in order to get the best auto insurance coverage and most competitive rates.
Call us today at 1-800-680-0707 or request a quote online.
Let us show you how much money you can save on your car insurance.


Business Contact and Profile for Urban Insurance Agency/U. I. Payment Plan
Name:
Urban Insurance Agency/U. I. Payment Plan
Phone:
(800) 680-0707
Fax:
(312) 664-7193
Address:
800 N. Wells2nd Floor

Chicago, IL 60610

Yahoo Map
Website:
www.UrbanInsuranceAgency.com

Proof of Insurance Email

This email is on the F Drive
The Fastest Way To Save Money On Car Insurance


Proof of Insurance




Auto



Coverage
$20.000/$40,000/$15,000 Liability



Effective Date Expiration Date




If you have a question, please contact us at 1-800-680-0707


Urban has been helping customers save money on their car insurance for more than 48 years.

Email Addresses for Urban

Leads
User Name =Leads
Password =Leads154


Online Payments
User Name =Roxanna
Password =Roxana24


To Email quote the sign-in is
User Name =Larry
Password =Larry

Application for Insurance Quote

We need to get a complete application each time we start insurance. This will save us money and help avoid many of the problems we have here at Urban.

This application should be on each order. We must ask the questions, and we must communicate what we know with the insurance company.

Owner (Name of title) _________________________________________________________________________________

Address______________________ Apt #____ City___________________ Zip_________

Home Phone_____________________________ Cell Phone_________________________________

List of Drivers (Must include everyone in the home over 15 years old)

Name M or S DOB Drivers License #

1._______________________________________________________________
Occupation _____________________ Company________________________________.
Company Address______________________ SR-22 Yes o No o
Tickets / Accidents (reason SR22)_____________________ State Licensed __________

Name M or S DOB Drivers License #

2._______________________________________________________________
Occupation _____________________ Company________________________________.
Company Address______________________ SR-22 Yes o No o
Tickets / Accidents (Reason SR22)_____________________ State Licensed __________

List of Vehicles
Year Make Model Vin # $ Value if New

__________________________________________________________________
Loss Payee ___________________Address _________________________________
Coverage’s $20/40/15 $25/50/10 $25/50/25 Other Limits_________ Full __________

Year Make Model Vin # $ Value if New

__________________________________________________________________
Loss Payee ___________________Address _________________________________
Coverage’s $20/40/15 $25/50/10 $25/50/25 Other Limits_________ Full __________

Year or 6 Months Is any driver a student “Out of State?”_______________
Are all cars “Garaged” at the above Address? ___________ Any Business Use________

If Limits are other than Minimum,
Do you have Underinsured Motorist Rejection signed? _______________________________

Notes ______________________________________________________________________________

If more than two drivers or more than two cars….. Please attach a second application

Entering Contracts

When entering contracts it is important to check back the following information.

1. Confirm the address is correct.
2. Confirm that we have the correct # of payments based on the length of the policy / 4 pay on a 6 month Policy and 8 pay on a 12 month policy. If not let me see it.
3. Make sure we list the person’s email address when filling out the contract; this notifies them about the ability to pay online, as well as reminding them each month when their payment is due.
4. Send a copy

Where to file quotes after follow-up

Credit =
If a person phone number is disconnected.
If they did not give us an address.
If the info is clearly silly and or fake.
If their email is Fake, or bounces.
If they tell us they never asked for a quote.
If their mail comes back.

Future=

If a person tells us their insurance expires in more than
30 days but less than 5 months.
If the quote lead tells us their insurance expires in more
than 30 days but less than 5 months. Then we put it into be filed in the month their policy expires.

Follow Up =

This should be the biggest group.
If we called and the person told us to call them back.
If we called and the person told us they would call us back.
If we called and left a message, we will call one more time.

Toss =

If the person told us “They bought elsewhere.
If the person told us “Not to call them again.

Follow Up of Quotes

How do we handle follow up of quotes, What to do- how to separate them.

Follow Up =

This should be the biggest group.
If we called and the person told us to call them back.
If we called and the person told us they would call us back.
If we called and left a message, we will call one more time.

Promise to Start=

If a person tells us that they want to start the insurance, but not at that very moment, They tell us they will call us right back,
If they tell us they will call later that day.
If the person tells us they will call back the following day.
If the person tells us they will start in a few days, mark to keep that quote till that time, We need to follow up on these.

Credit = When asking for a credit, Send email, but Do NOT send by post.
If a person phone number is disconnected.
If they did not give us an address.
If the info is clearly silly and or fake.
If their email is Fake, or bounces.
If they tell us they never asked for a quote.
If their mail comes back.

Future=

If a person tells us their insurance expires in more than
30 days but less than 5 months.
If the quote lead tells us their insurance expires in more
than 30 days but less than 5 months. Then we put it into be filed in the month their policy expires.

Toss =

If the person told us “They bought elsewhere.
If the person told us “Not to call them again.

Problem Tray

Notice

There are several on going problems that continue to cause us problems and grief.

These actions range from annoyances to critical, and expensive mistakes that can leave Urban Insurance responsible for a loss.

1. Get everything off the printer.
If you print anything, get up and get it as soon as reasonably possible. Also make sure you take all of the papers you printed, including those you accidentally printed twice, blank or nearly blank pages. If you take pages off the printer and find one or more of those pages are not yours, quickly return those pages so someone does not need to reprint them.

2. Nothing on your desk over 24 Hours
This causes us nothing but grief, complaints and worst of all, can result in someone having a claim for which we have left them uninsured. At the end of each day make sure you show Jerry anything you cannot get off of your desk.
When he is out of town, put problem into the “Problem tray” to go over with Jerry over the phone.

Cancellation due to Underwriting

If we can a cancellation from an insurance company as a result of Underwriting reasons, we should take the following steps:

First determine if the reason they dropped is something within our power to correct. If it is then:

1. Try to get the policy reinstated by giving the company what they want.
a. By providing the company missing information.
b. By providing the company a needed document.
c. by providing the company a signed copy of the application, more legible fax, or any other thing we have control over.

If the reason for the drop is one where we cannot get the policy reinstated:

2. If the policy is within 30 days, we must VOID THE CONTRACT and then hang up the cancellation with the UIA cancellations.

If the policy is cancelled FLAT, That must immediately go to Jerry, or into the problem tray.

Occupations that effect rates or acceptance

We know that there are certain occupations that will not be acceptable to many or all insurance companies.
We Must ask the Occupation while taking an application.

Below are some that are Unacceptable, or require any additional information.


Bartender
____________________________________________________________
Entertainer
___________________________________________________________
Model
Consultant____________________________________________________________

Anyone that uses their car or truck for business.
We need detailed in about what they do, how they use the car.

New Info found while taking app that changes rate

What to do when the info changes when we take the application.

When we take the application and find out information that will change the price, we need to re run the quote ASAP, while the person is still on the phone. Then I need to see that new information and decide if we can live with that difference, or If there is somewhere else we should go.

The same this is true if after I sign off on the application. If after entering the application the rate changes (Most likely due to MVR) Again Larry needs to see that new information and decide if we can live with that difference, or If there is somewhere else we should go.

It is best to catch and react to these problems ASAP.

Check By Trust

Keep these rules in mind.
Revised on 08/03/06


1. Get them to fax in a copy of the Check or Money Order. Explain to them that we need to see a copy of the Check or Money Order filled out showing the amount and our name.
2. Make sure they know we are “Trusting” them.
3. Fax them a copy of our “By Trust” explanation sheet along with the Proof of Insurance. They must understand that their Fax is not payment.
4. DO NOT bill "Check by Trust" until the money comes in to us.
5. Make sure that the quote sheet is clearly marked as “Check by Trust”.
6. Make sure that you list all communications with the customer.
7. Go through your folder of check by trusts every day. Call those that are more than 3 days old.
8. Call them 4 days old again.
9. Make sure you cancel after 5 days.
10. Cancel it using URBAN endorsement Non pay. Make sure that we did not by error do a contract by error.
11. Always ask if check or money order or if they are coming in.
12. If they have a fax # ask them to send a copy of check or money order.(if we can fax them they can fax us.)