CCC UW TX Flashcards
8 Drivers per policy
Maximum number of Drivers
Named Insured under 18 years old
Unacceptable Driver-NI must be 18 years or older
Lives or works in Mexico
Unacceptable Driver
Lives in another State
Unacceptable Driver
More than 2 at fault accidents in past 36 months
Unacceptable Driver
Military personnel stationed outside of TX more than 6 months
Unacceptable Driver
Drive for Uber, Lyft , Veyo or any rideshare company
Unacceptable Driver
*Rideshare endo only in AZ
Cargo Vans
Unacceptable Vehicle
Vehicles 20 years or older
Not eligible for Comp/Coll
Vehicle title to a DBA or business
Unacceptable Vehicle
Requires proof of insurance from prior carrier for 6 months prior to CCC policy
Transfer Discount
Requires a valid Military ID to qualify
Military Discount
Minimum Liability Limits
30/60/25
UMPD limits
$25k per accident
Higher than AZ, which is $2500 ro $35000
Covers a non-factory sound system
Custom or Additional Equipment endo
-Does not apply to lift kits
Requires receipts and ends when vehicle is repaired and ready for pickup
Rental Reimbursement endo
Cannot be selected for with Persona Injury Protection
Medical Payments
$66
Policy Fee
vs. $25 in AZ
EFT Installment Fee in TX
$3
vs. $9 in AZ
Safety Equipment Coverage
Not available in TX
ATPF per vehicle fee
$1 per vehicle
vs. .50c in AZ
Deductibles for Comp/Coll
Coll deductible must be = or greater than OTC deductible
Payment Extensions and Partial Payments
NOT available in TX
EFT during 10 day notice of cancellation
EFT will not be attempted. NI must call or pay online.
All HH members over the age of 15
Must be rated or excluded
6 vehicles
Max vehicles allowed on a policy.
Contact UW for possible exceptions.
Salvage Vehicles
Unacceptable Vehicle
-Restored salvage vehicles may qualify for liability only coverage.
Lifted Trucks, lift kits
Unacceptable Vehicle
Reflects a vehicle’s claim history, mileage and other factors
Vehicle Score
Max vehicle price for comp/coll coverage
$50,000
Max vehicle price for Liability coverage
$80,000
Drivers licensed less than 3 years
Surcharge
Suspended License
Acceptable with surcharge.
vs. AZ-required to provide proof of valid licenses in 10 days.
SR-22 Fee
$25 per policy period.
NI must advise us SR-22 is no longer needed
Spouse not in household
Must be rated or excluded
Cancel request same day the policy was issued
Flat Cancel
-CSR should work with a Supv to process
A policy cancelled by our mistake or reason for cancellation corrected prior to cancel date
Reinstatement
Fully earned fees
Non refundable fees such as policy fee and SR-22 fee
Up to 14 days, no documentation needed
Max time to backdate a cancellation request without proof
Agents must complete this at the time of application for vehicles insured with comp/coll and/or UMPD
Pre-Vehicle Inspection
*Exception is new vehicles off the lot with a bill or sale, window sticker or invoice
Sent the day after due date if payment not made
10 Day Notice of Cancellation
*This is not a ‘grace period’. EFT will not attempt during this time.
Max vehicle age for Liability coverage in TX
30 years
A policy that cancelled over 60 days ago
Rewrite
*Transfer to Agent of Record
