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.