Ehh For Nhh Pre-test
Questions and Answers
- 1.
Do you feel comfortable navigating and understanding the information in Personal Lines Policy Viewer and/or Mainframe with regard to existing policies? Type "Yes" or "No"
- 2.
EHH can answer basic policy questions (coverage, deductibles, risk description) for which type(s) of policies? Choose all that apply.
- A.
Property
- B.
Motorcycles/Mopeds/ATVs
- C.
Auto
- D.
Misc. Vehicles (boats, RVs, etc.)
Correct Answer(s)
A. Property
B. Motorcycles/Mopeds/ATVs
C. Auto
D. Misc. Vehicles (boats, RVs, etc.)Explanation
EHH can answer basic policy questions for all types of policies mentioned in the answer options. This includes Property, Motorcycles/Mopeds/ATVs, Auto, and Misc. Vehicles (boats, RVs, etc.).Rate this question:
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- 3.
What types of policies can EHH make changes on? Choose all that apply.
- A.
Property
- B.
Motorcycles/Mopeds/ATVs
- C.
Auto
- D.
Misc. Vehicles (Boats, RVs, Snowmobiles, etc.)
Correct Answer(s)
B. Motorcycles/Mopeds/ATVs
C. AutoExplanation
EHH can make changes on policies related to Motorcycles/Mopeds/ATVs and Auto. This means that EHH has the authority to modify or update policies for these types of vehicles. However, EHH cannot make changes on policies related to Property or Misc. Vehicles (Boats, RVs, Snowmobiles, etc.).Rate this question:
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- 4.
How many days (from the date of purchase) do newly acquired vehicles have coverage for, so long as there is an active auto policy?
- A.
90 Days
- B.
14 Days
- C.
25 Days
- D.
30 Days
Correct Answer
D. 30 DaysExplanation
Newly acquired vehicles have coverage for 30 days from the date of purchase as long as there is an active auto policy. This means that if a person buys a new vehicle and already has an active auto insurance policy, the new vehicle will be covered by the policy for a period of 30 days without the need for any additional documentation or changes to the policy. After the 30-day period, the person would need to update their policy to include the new vehicle in order to continue having coverage.Rate this question:
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- 5.
American Family provides coverage for driving where? Choose all that apply.
- A.
United States and its Territories
- B.
Mexico
- C.
Europe
- D.
Canada
Correct Answer(s)
A. United States and its Territories
D. CanadaExplanation
American Family provides coverage for driving in the United States and its Territories, as well as in Canada. This means that policyholders can drive within the United States, including all 50 states and any territories, as well as in Canada. However, coverage is not provided for driving in Mexico or Europe.Rate this question:
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- 6.
Which State(s) require a one month down payment for any additional vehicle (excluding vehicle changes)?
- A.
Ohio
- B.
Georgia
- C.
Washington
- D.
All States require a down payment for additional vehicles
Correct Answer
B. GeorgiaExplanation
Georgia is the correct answer because it requires a one month down payment for any additional vehicle, excluding vehicle changes. This means that if someone wants to add another vehicle to their existing policy in Georgia, they would need to make a down payment equal to one month's premium for that vehicle. Ohio and Washington may or may not have this requirement, as the question does not specify. The last option, "All States require a down payment for additional vehicles," is incorrect as it is not true for all states.Rate this question:
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- 7.
How many days of coverage does a replaced vehicle have when it is removed from the policy due to a vehicle change?
- A.
30 Days
- B.
14 Days
- C.
90 Days
- D.
25 Days
Correct Answer
A. 30 DaysExplanation
When a vehicle is removed from a policy due to a vehicle change, it is given a 30-day coverage period. This means that even though the vehicle has been replaced, it is still covered for any accidents or incidents that may occur within those 30 days. This allows the policyholder some time to adjust to the new vehicle and make any necessary changes to their insurance policy.Rate this question:
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- 8.
When renting a vehicle, coverage for the rental vehicle applies to who? Choose all that apply.
- A.
Named Insured
- B.
Listed Operators
- C.
Unlisted, Resident Relatives (relatives living in the same house)
- D.
Unlisted, Non-relative Residents (Unrelated people living in the same house)
Correct Answer(s)
A. Named Insured
B. Listed Operators
C. Unlisted, Resident Relatives (relatives living in the same house)Explanation
The coverage for the rental vehicle applies to the Named Insured, who is the primary policyholder. It also applies to Listed Operators, who are individuals specifically listed on the insurance policy. Additionally, coverage extends to Unlisted, Resident Relatives, which includes relatives living in the same house as the Named Insured.Rate this question:
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- 9.
EHH can send a declarations page to a listed operator.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
EHH cannot send a declarations page to a listed operator.Rate this question:
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- 10.
Does EHH do Reissues, Reinstatements, or both?
- A.
EHH does Reissues and not Reinstatements
- B.
EHH does Reinstatements and not Reissues
- C.
EHH does both Reissues and Reinstatements
Correct Answer
A. EHH does Reissues and not Reinstatements -
- 11.
EHH can do a vehicle change/add for a wife, who is a listed operator, when her husband is the named insured.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
In this scenario, the statement suggests that EHH can make a vehicle change or add a vehicle for a wife who is a listed operator, as long as her husband is the named insured. However, the correct answer is false. The statement is incorrect because EHH cannot make a vehicle change or add a vehicle for the wife solely based on her husband being the named insured. There may be other factors or requirements that need to be met for such changes or additions to be made.Rate this question:
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- 12.
EHH can discuss claims issues.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The statement "EHH can discuss claims issues" is not true. The given answer "False" indicates that EHH cannot discuss claims issues.Rate this question:
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- 13.
EHH can issue policy documentation (POI or Dec page) to a named insured.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
EHH has the ability to issue policy documentation, such as a Policy of Insurance (POI) or a Declarations page, to a named insured. This means that EHH can provide the necessary paperwork to the individual or entity that is specifically named as the insured on the policy.Rate this question:
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- 14.
A Named insured just bought a vehicle last Tuesday and wants to add it to his policy. He does have active policies. What should be the effective date of the policy?
- A.
Today
- B.
Tomorrow at 12:01 AM
- C.
Date of Purchase (Last Tuesday)
Correct Answer
C. Date of Purchase (Last Tuesday)Explanation
The effective date of the policy should be the date of purchase (last Tuesday) because the named insured wants to add the recently bought vehicle to his existing policy. The effective date should coincide with the date the vehicle was acquired to ensure that it is covered under the policy from that day onwards.Rate this question:
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- 15.
A Named Insured calls in to place coverage back on his 1990 Honda that he has owned for 20 years. He removed it 2 months ago as it was not in working condition. What should the effective date of the policy be?
- A.
Tomorrow at 12:01 AM
- B.
Today
- C.
The date the vehicle was removed
Correct Answer
A. Tomorrow at 12:01 AMExplanation
The effective date of the policy should be tomorrow at 12:01 AM. This is because the Named Insured wants to place coverage back on his 1990 Honda that he has owned for 20 years, after removing it 2 months ago. Setting the effective date as tomorrow ensures that the coverage starts from the next day, giving the insured enough time to reinstate the policy and ensuring continuous coverage for the vehicle.Rate this question:
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- 16.
EHH can place vehicles in and remove vehicles from comprehensive only (storage) coverage.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The statement is true because EHH is able to both place vehicles in and remove vehicles from comprehensive only (storage) coverage. This means that EHH has the capability to provide coverage for vehicles that are being stored, but not actively used.Rate this question:
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- 17.
With regard to auto policies, EHH can do all of the following except?
- A.
Changes
- B.
Cancels
- C.
Reissues
- D.
Adds
Correct Answer
B. CancelsExplanation
EHH can make changes, reissue policies, and add policies to auto policies. However, it cannot cancel auto policies.Rate this question:
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- 18.
EHH can assist listed lien holders with policy inquiries.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The statement implies that EHH can assist listed lien holders with policy inquiries. However, the correct answer is False. This means that EHH cannot assist listed lien holders with policy inquiries.Rate this question:
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- 19.
How does EHH handle Letter of Experience (LOE) requests?
- A.
Refer the customer to the agent
- B.
Process the LOE in mainframe
- C.
Submit an LOE request via email to underwriting
- D.
Refer the customer to Personal Lines
Correct Answer
C. Submit an LOE request via email to underwritingExplanation
EHH handles Letter of Experience (LOE) requests by submitting an LOE request via email to underwriting. This means that when a customer requests a LOE, EHH sends an email to the underwriting department asking them to provide the necessary information. This process allows for efficient handling of LOE requests and ensures that the customer receives the required documentation in a timely manner.Rate this question:
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- 20.
In which State(s) are vehicles 10 years and older ineligible for Emergency Road Service? Choose all that apply.
- A.
Washington
- B.
Georgia
- C.
Ohio
- D.
All States
Correct Answer(s)
B. Georgia
C. OhioExplanation
Vehicles that are 10 years and older are ineligible for Emergency Road Service in Georgia and Ohio. This means that if your vehicle is older than 10 years in these states, you will not be able to avail emergency road services. However, it is not mentioned whether vehicles in Washington or all states are eligible or ineligible for emergency road service.Rate this question:
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- 21.
EHH can make policy changes to a policy with a past due account so long as it is NOT past the policy expiration date.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
EHH can make policy changes to a policy with a past due account as long as it is not past the policy expiration date. This means that even if the account is past due, EHH still has the authority to make changes to the policy until it reaches its expiration date.Rate this question:
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- 22.
What effective date is used when reissuing a cancelled policy?
- A.
Today
- B.
Tomorrow at 12:01 AM
- C.
Date of cancellation
Correct Answer
B. Tomorrow at 12:01 AMExplanation
When reissuing a cancelled policy, the effective date used is "Tomorrow at 12:01 AM." This means that the policy will become active again starting from tomorrow at one minute past midnight. This allows for a clear and specific start date for the policy, ensuring that coverage is provided from that moment onwards.Rate this question:
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Current Version
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Mar 22, 2023Quiz Edited by
ProProfs Editorial Team -
May 12, 2014Quiz Created by
BillingQT
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