Allstate Insurance Rewards And Features! Trivia Questions Quiz

25 Questions | Total Attempts: 18

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Allstate Insurance Rewards And Features! Trivia Questions Quiz


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 discount is not available on the Line 10 Auto Policy?
    • A. 

      Responsible Payer

    • B. 

      Welcome

    • C. 

      Homeowner

    • D. 

      Full Pay

  • 5. 
    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

  • 6. 
    When is it required to obtain a signed UM/UIM form 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

  • 7. 
    Which Your Choice Auto package(s) feature(s) Deductible Rewards?
    • A. 

      Standard after 5 years

    • B. 

      Gold

    • C. 

      Gold and Platinum

    • D. 

      Standard after 5 years, Gold and Platinum

  • 8. 
    When explaining "You and Your Family" during the "3 Key Coverage" conversation you are describing which coverage and revealing what cross-sell opportunity 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

  • 9. 
    Which of the following is the report that provides a history of claims acitivity for the prospect(s)?
    • A. 

      CCDB

    • B. 

      CR

    • C. 

      LIS

    • D. 

      MVR

  • 10. 
    What must we have from the prospect before running an "Easy Quote"?
    • A. 

      Social Security Number

    • B. 

      Verbal acknowledgement that reports will be ordered

    • C. 

      Driver's License number

    • D. 

      VINs for all vehicles

  • 11. 
    Your customers John and Suzy are married and own 2 cars. John's mother moves in with them and has her own car and her own auto policy with State Farm. How should this / these auto policies be written / rewritten?
    • A. 

      John and Suzy should add the mother and her car to their auto policy

    • B. 

      John and Suzy should not allow her to move in with them

    • C. 

      A new policy should be written for all

    • D. 

      They should maintain separate policies (assuming that John and/or Suzy or not titled on the mother's car).

  • 12. 
    You can find your state's RMPS and Rules & Rates by searching in ______________________.
  • 13. 
    To make use of the Claim Satisfaction Guarantee, which of the following term(s) must be met?
    • A. 

      Must submit the complaint in writing

    • B. 

      Vehicle must be repaired at an Allstate Good Hands Network auto repair shop

    • C. 

      Policy must be renewed

    • D. 

      All of the above

  • 14. 
    DriveWise takes which driving characteristics into consideration when determining the amount to be discounted on the policy?
    • A. 

      At what time driving occurs

    • B. 

      Hard braking events

    • C. 

      Driving above 80 mph

    • D. 

      All of the above

  • 15. 
    Which Your Choice Auto Package includes the Safe Driving Bonus?
    • A. 

      Platinum

    • B. 

      Gold

    • C. 

      Standard

    • D. 

      Value

  • 16. 
    Clients in the Standard package of YCA can earn an Accident Waiver after being claim free for?
    • A. 

      10 Years

    • B. 

      5 Years

    • C. 

      3 Years

    • D. 

      1 Year

  • 17. 
    Which is not a feature of the New Car Expanded Protection?
    • A. 

      Repair Provision

    • B. 

      Replacement Provision

    • C. 

      New Tires Provision

    • D. 

      Loan or Lease Gap Provision

  • 18. 
    With the deductible rewards option, customers can reduce their deductible by _______ for every year they are accident free. 
    • A. 

      $50

    • B. 

      $100

    • C. 

      $150

    • D. 

      $500

  • 19. 
    To maintain the Smart Student discount, a grade card showing a B- or above average, proof of college residency more than 100 miles away without a car, and/or a Teen Smart Course certificate must be collected within one year of writing the auto policy.
    • A. 

      True

    • B. 

      False

  • 20. 
    Which of the following best describes Coverages A and C in the Homeowner policy?
    • A. 

      Dwelling, Personal Property

    • B. 

      Dwelling, Liability

    • C. 

      Liability, Personal Property

    • D. 

      Accidents, Contents

  • 21. 
    John is in a hurry at the grocery store and accidently runs his cart into an elderly lady who falls and cuts her arm. She goes to urgent care where she gets a bandage and a bill for $600. John's Guest Medical coverage on his Renters policy with Allstate will not cover that expense since the injury did not occur in his apartment.
    • A. 

      True

    • B. 

      False

  • 22. 
    Which of the following additional coverages are not available on the Home policy?
    • A. 

      Pet Insurance

    • B. 

      Water Back Up

    • C. 

      Jewelry, Watches and Furs

    • D. 

      Business Property

  • 23. 
    Because roofs are so expensive, Allstate will no longer replace any roof damaged by wind or hail, but instead only offer a portion of the cost toward replacing the roof.
    • A. 

      True

    • B. 

      False

  • 24. 
    Where would you look in Gateway to find information on the Homeowner discounts?
  • 25. 
    When generating an eProposal for a prospect, how many quotes can be included in the proposal?
    • A. 

      1

    • B. 

      Up to 2 but they both have to be the same line

    • C. 

      up to 3 different lines but they must all be available in eProposal

    • D. 

      EProposal is not yet available in our region