AZ AUTO CONTRACT-DEFINITIONS

Question 1

Rented Car
Car Your Borrow with Permission
Vehicles on the Declarations Page
Small trailer you rent or own for non-business use

Answer 1

Covered Autos

*Also, leased vehicles with terms over 6 months

Question 2

The minimum lease term for adding a Leased vehicle to the policy

Answer 2

6 months

*Please call UW with questions

Question 3

How long is a New Vehicle not yet added to the policy covered?

Answer 3

15 days

*Coverage will match the broadest coverage of current vehicle on the policy

Question 4

How much, if any, coverage does a Replacement Vehicle not yet added to the policy have?

Answer 4

Vehicle is covered with same coverage of the car it is replacing.

Question 5

Within how long does the Insured have to inform us of a Replacement Vehicle to be covered?

Answer 5

As soon as possible. No specific time-frame

*Advise the Insured to let us know as soon as possible if they’re shopping for a car.

Question 6

True or False

Death is covered by Bodily Injury

Answer 6

True

• Damages for Bodily Injury and Death are covered up to BI Limits of Liability
• Consider Accidental Death and Dismemberment endo if this topic comes up

Question 7

Maximum Load Capacity for a Car to be insured by CCC

Answer 7

1500lbs

• Be alert for Series ‘2500’ or ‘250’ and above trucks
• When in doubt, Google it!

Question 8

Policy document that shows ‘Who’ ‘What’ and for ‘How Much’

Answer 8

Declarations Page

*Please do not send Dec page for Cancelled or Expired policies

Question 9

‘Diminution in Value’

Answer 9

Fancy word huh? The loss in market value or resale value due to an accident.
* Different than the cost to repair the car.
EX: After being hit, a car had a $2500 diminution in value due to the damage.

Question 10

Coverage(s), if selected, that apply to an Excluded Driver

Answer 10

UM and UI coverages

*Please do not proactively advise of this.

Question 11

Minimum Statutory Limits in AZ

Answer 11

15/30/10

Question 12

Occupying a Car

Answer 12

Getting in, out of, standing next to, upon or off a car
*Medical Payments is a natural cross-sell for this
concept
*I’m occupying a car when getting out of it

Question 13

Coverage(s) that follow to a Rental Car

Answer 13

BI/PD
UMBI
UIBI
*Comp/coll, if desired, must be purchased at Rental Car Agency

Question 14

Covered Vehicle towed behind a private passenger auto

Answer 14

Trailer

• Small trailer for errands to Home Depot or renting a small UHAUL Trailer
• Trailer not used to deliver property for a fee, i.e. delivery business.

Question 15

Does not have a driver's license
or
Suspended License
or
Revoked License

Answer 15

Unlicensed Driver