2016 Aoc Week 1 Assessment (5 May Class)

20 Questions | Total Attempts: 80

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Assessment Quizzes & Trivia

This assessment may be taken 1 time. Passing score is 70%. See your instructor if you do not pass.


Questions and Answers
  • 1. 
    Choose the best description of Bodily Injury coverage:
    • A. 

      Provides coverage for the cost of injuries for those involved in an auto accident.

    • B. 

      Provides coverage to the "Other Person" when the insured is liable for the cost of reasonable medical expenses, lost wages, and inconvenience.

    • C. 

      Provides coverage to the insured and her/his passsengers for the cost of their medical injuries, lost wages, and inconvenience.

    • D. 

      Provides liability coverage world-wide for the cost of injuries caused by an insured.

  • 2. 
    Which feature on YCA (Your Choice Auto) rewards the customer up to 5% off their premium every policy period they go without a claim?
    • A. 

      Claim Free Discount

    • B. 

      Claim Rate Guard

    • C. 

      Safe Driving Bonus

    • D. 

      Safe Driving Club

  • 3. 
    Choose the best description of the "Accident Waiver Enhancement":
    • A. 

      It is a feature found on the Gold Package that provides accident forgiveness once every three years when the insured is found majority at-fault for an auto accident.

    • B. 

      It is a feature on the Platinum Package that provides accident forgiveness for multiple instances when the insured is found majority at-fault for an auto accident.

    • C. 

      It is a feature found on the Standard Package that provides accident forgiveness to an insured if they maintain the policy for 2 years and do not experience an at-fault accident during that time period.

    • D. 

      It is a feature of the Value Package that provides accident forgiveness once every three years when the insured is found majority at-fault for an auto accident.

  • 4. 
    Which factor does NOT determine whether or not a roof qualifies for the "Roof Surface Extended Coverage Endorsement"?
    • A. 

      Age of Roof

    • B. 

      Roof Material Type

    • C. 

      Age of Home

    • D. 

      Inspection Results

  • 5. 
    Identify the feature(s) found on the House & Home "Enhanced Package":
    • A. 

      Guaranteed Renewal

    • B. 

      Claim Rate Guard

    • C. 

      Claim Free Bonus

    • D. 

      Both the Claim Rate Guard and the Claim Free Bonus

  • 6. 
    Which feature is not found on the Line 10 Auto Policy?
    • A. 

      Claim Satisfaction Guarantee

    • B. 

      Loyalty Bonus

    • C. 

      Safe Driving Deductible Reward

    • D. 

      DriveWise

  • 7. 
    Which feature on YCA allows multiple at-fault accidents without an increase to premium?
    • A. 

      Accident Waiver Program

    • B. 

      Accident Waiver Enhancement

    • C. 

      Accident Waiver Enhancement Plus

    • D. 

      Claim Rate Guard

  • 8. 
    In which cases is it required to collect a signed UM/UIM waiver from the customer?
    • A. 

      When the customer waives the coverage.

    • B. 

      When the customer chooses UM/UIM limits lower than their BI limits.

    • C. 

      When the customer chooses UM/UIM limits higher than their BI limits

    • D. 

      Both the first and second options listed above

  • 9. 
    Which feature in House and Home prevents a insured's rate from going up once every 5 years due to a claim?
    • A. 

      Claim Free Discount

    • B. 

      Claim Rate Guard

    • C. 

      Claim Waiver Program

    • D. 

      Claim Free Bonus

  • 10. 
    In which program must a customer participate in if they wish to purchase the "Value Package" on YCA?
    • A. 

      ESmart

    • B. 

      DriveWise

    • C. 

      EZ Pay

    • D. 

      EBill

  • 11. 
    Which coverage(s) do we recommend be included on all Property policies when available?
    • A. 

      BSREL

    • B. 

      Building Codes Coverage

    • C. 

      Water Back-up Coverage

    • D. 

      All of the above

  • 12. 
    Which coverage is explained in "You and Your Family" of the "3 Key Coverage Conversation"?  And which cross-sell opportunity is revealed, as well?
    • A. 

      Bodily Injury (BI) and Personal Umbrella Policy (PUP)

    • B. 

      UM/UIM and Life Insurance policy

    • C. 

      Collision and Medical Payments

    • D. 

      Property Damage (PD) and UM/UIM

  • 13. 
    Which of the following reports provides a history of claims acitivity for the prospect(s)?
    • A. 

      CCDB

    • B. 

      CR

    • C. 

      LIS

    • D. 

      MVR

  • 14. 
    Which coverage is NOT provided on a Renter's Policy?
    • A. 

      Coverage C - Pesonal Contents

    • B. 

      Coverage Y - Guest Medical

    • C. 

      Coverage X - Family Liability

    • D. 

      Coverage A - Dwelling

  • 15. 
    What must we have before running an "Easy Quote"?
    • A. 

      Social Security Number

    • B. 

      Verbally advise that we will run reports

    • C. 

      Driver's License number

    • D. 

      VINs for all vehicles

  • 16. 
    Which coverage is reviewed in "Other Person" of the "3 Key Coverage Conversation"?  And which cross-sell opportunity is revealed, as well?
    • A. 

      UM/UIM and Medical Payments

    • B. 

      Property Damage and Life Insurance policy

    • C. 

      Medical Payments and Life Insurance policy

    • D. 

      Bodily Injury (BI) and Personal Umbrella Policy (PUP)

  • 17. 
    After selling a Homeowner's policy, which document will always need to be collected from the customer?
    • A. 

      UM/UIM waiver form

    • B. 

      Copy of the deed

    • C. 

      Proof of prior property insurance when need existed

    • D. 

      None of the above

  • 18. 
    The maximum amount of Family Liability insurance that can be sold on a Property policy is:
    • A. 

      $300,000

    • B. 

      $500,000

    • C. 

      $1,000,000

    • D. 

      No maximum amount exists

  • 19. 
    What coverage is provided by the Roof Surface Extended Coverage Endorsement?
    • A. 

      Replacement cost for roof surface damage caused by a named peril

    • B. 

      Replacement cost for roof surface damage caused by a fire

    • C. 

      Replacement cost for roof surface damage to Other Structures

    • D. 

      Replacement cost for roof surface damage in the event of a wind and/or hail claim

  • 20. 
    You can find your state's RMPS and Rules & Rates by searching in ______________________.
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