CCC Brain Jog 1

Question 1

1 more Vehicle than Drivers

Answer 1

CCC’s Driver to Vehicle Ratio

Question 2

Lowers $100 per year, 5 years max for claims free with no coverage lapses

Answer 2

Vanishing Deductible

No charge for this feature, which is uncommon.
Good retention tool.

Question 3

When passengers are not in the vehicle, this covers BI/PD and Comp/Coll (if selected)

Answer 3

Rideshare endorsement

Question 4

Must be Rated or Excluded

Answer 4

Any household resident over age of 14(AZ) 15(TX)

Spouse whether in HH or not

Registered owner of vehicle

Question 5

Suspended licenses OK with a Surcharge

Answer 5

TX Acceptable Drivers

There is no time frame where the Insured must make their license valid.
In AZ however, they must get their license ‘Active’ within 10 days.

Question 6

Two 6 point violations in last 36 months.

Answer 6

Unacceptable Driver

One 6 point and one 5 point? Call UW

Question 7

15 days to report to CCC for coverage to apply.

Answer 7

Timeframe an Insured must let CCC know if they purchased an additonal/new vehicle.

Question 8

No specific time frame to report to CCC. Broadest coverage of previous vehicle or existing vehicle on policy will apply.

Answer 8

Time frame to inform CCC of a replacement vehicle.

TIP: Avoid advising the Insured there is no set time frame.

Question 9

20 years and 15 years max in Arizona

Answer 9

The max vehicle age for comp/coll coverage in Arizona.

Exceptions for liability may apply for replacement vehicles

Question 10

TX: 50 mile radius of Border

AZ: No coverage

Answer 10

Mexico Coverage

Question 11

You can accept payments and change EFT card on file but not process endorsements

Answer 11

PENDING status

Question 12

PENDING_UNDERWRITE

Answer 12

Policy status after endorsement. The endo is awaiting review by UW.

Question 13

Policy status after renewal and awaiting UW review

Answer 13

BOUND

Question 14

1 maximum per household

Answer 14

CCC auto policy

Question 15

Number of months a vehicle must be garaged at the address on file to be considered the ‘garaging address’

Answer 15

6 months at garaging address on file*If not, address must be updated and premium could change.

Question 16

16.67 Down 22 Day

Answer 16

Direct bill payment plan. First due date is 22 days after due date then 30 days thereafter.

Question 17

Check here to see when and why a policy status changed, i.e. Active to Pending_Underwrite

Answer 17

Policy Journal

Question 18

% surcharge for Business Use

Answer 18

25%

Applied to Liability and Comp/Coll (if applicable)

Question 19

Short-rate

Answer 19

The rate at which a cancelled policy is refunded.

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Question 20

Named Insured
Rated Spouse
Agent of Record

All have what in common?

Answer 20

People who can make changes on a policy

Question 21

Copies of registrations for all vehicles

Answer 21

What we require when the Vehicle Ratio is exceeded

Question 22

Passengers cannot be in the vehicle for this coverage to apply

Answer 22

Rideshare endorsement

Question 23

‘Fully earned’

Answer 23

Non-refundable fees, such as policy fee. ‘All fees are fully-earned’

Question 24

Provides coverage for Hit and Run Drivers

Answer 24

Uninsured Motorist Bodily Injury (UMBI)

Question 25

50% or EFT

Answer 25

Required payment up-front if 3rd reissue in last 180 days and Agent of Record NOT on Auto-Release list

Question 26

NOT eligible for payment extensions.

Partial payments only.

Answer 26

30 Day Autopay

Question 27

Only-reason CCC can cancel a policy in first 60 days

Answer 27

Non-Payment of Premium

*Misrepresented or inaccurate information that affects UW decisions may be cause to cancel after 60 days

Question 28

You must have comp/coll coverage to add these coverages

Answer 28

Safety Equipment
Named Driver Restriction Removal
Rental Reimbursement

Question 29

Same limits apply across all vehicles

Answer 29

BI/PD
UIBD
UMPD

Question 30

When a notice of cancellation is sent

Answer 30

Day after due date

Question 31

The most CCC will pay for all damages

Answer 31

Limit of Liability

Question 32

15/30/10,, what is the most this policy will pay out in total damages?

Answer 32

$40k

Question 33

Replacement Cost -Depreciation=

Answer 33

ACV (Actual Cash Value)
-Repairs and payouts for total loss are based on ACV. CCC may also choose to pay for repairs completed with ‘like kind and quality’ parts.

Question 34

Covers damage caused by animal impact

Answer 34

Comprehensive (OTC)

Question 35

$15 day/ $225 max

Answer 35

Transportation Expenses paid by CCC in the event of total theft of an auto

Question 36

$15 day/ $60 day max

Answer 36

Vehicle Storage costs paid by CCC for covered losses with comp/coll coverage, i/e. towed to a storage yard

Question 37

Transmission or engine failure, general wear and tear

Answer 37

Not covered by comp/coll

Question 38

Not covered when operating vehicles on the policy.

Answer 38

Excluded Driver

Question 39

45 days prior to expiration

Answer 39

When non-renewals are sent

Question 40

Excess Insurance

Answer 40

CCC policy holder driving a friend’s vehicle with their permission. Friend’s insurance is primary.

Question 41

Carrying people or property for a fee

Answer 41

Unacceptable risks

Question 42

Real Estate Agents

Answer 42

Incidental Business Use. Subject to Business Use surcharge.

Question 43

Pizza Delivery, Couriers

Answer 43

Unacceptable risks