Amendment Guide (Page 0)

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Amendment Guide (Page 0)

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How to add an additional interest

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Amendment Guide (Page 0)  

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How to add an additional interest

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Amendment Guide (Page 0)  

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Dwelling Limit (Coverage A)

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Amendment Guide (Page 0)  

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How to Take a Nationwide payment:

G16

How to Setup EFT (Bank Acc)

G33

How to remove from EFT (Bank Acc) 

G42

Change due date / Deduction date 

G45

Note:

1 - Policies cannot be cancelled with the clients signature. So we send the client the cancellation request letter thru agency forms in ezlynx and send it via ezlynx e-signature option if the client has an email address. If they call nationwide directly then they will be given the accord Cancellation/LPR form to sign. This is basically the same thing but we create our own agency cancellation request form since its cleaner/less confusing for the client. If the client already wrote a letter and signed it then it will be sufficient. 

 

2 - The client can request a cancellation in the past or in the future. Nationwide will cancel the policy gaoing back up to 30 days without any other documentation. However if the cancellation date will be more then 30 days old then we will need a copy of duplicate coverage (copy of new policy) for it to be honored. Exception, if the client is requesting a cancellation of the policy more then 30 days old and he/she did not buy another insurance policy (duplicate coverage) then client must provide proof of sale documents from DMV for consideration.  

G50

 

 

 

 

 

Information needed for possible household drivers: 

This must be treate as a PHD, therefore go to the top of the form and choose PHD under policy transaction type. 

G60

 

 

 

 

 

Unacceptable Commercial/Business Use: 

You must give this issue to an account manger who will decide what can be done to save the policy or if it has to be remarketed to another company for the proper coverage. 

G61

 

 

 

 

 

Unacceptable Driving Record:

You must give this issue to an account manger who will determine what the clients wants to do. 

Option 1 - We can exclude the unacceptable driver and save the policy from cancellation.

Option 2 - We can remarket to another carrier that will accept the driving activity. 

G62

 

 

 

 

 

Unacceptable Vehicle:

You must give this issue to an account manger who will determine what we can do. 

Option 1 - We can exclude that vehicle and save the policy from cancellation.

Option 2 - We can remarket to another carrier that will accept the vehicle.

G63

 

 

 

 

 

Client no longer lives in California:

You must give this issue to an account manger who will determine what we can do. 

Option 1 - If the client vehicle is registered in california then we can write the policy, even if the driver license was issued in another state. The main issue is the registration. If the vehicle is registered in state other then California then the client must buy a policy in that state since our agency is only licensed to do business in California. 

G64

 

 

 

 

 

This Cancellation of Policy requires you consult with Mo to determine proper course of Action:

G65

 

Note: All claims are handled by Mo in the office. If any client, carrier or 3rd party wishes to discuss an potential claim and or an existing claim then it must be given to Mo for handling.

G74

Note: Since all clients are entered by account manager during the new business selling process, then all policies are entered right after the sale is made. But those policies are entered manually that are not available for download from the carrier. 

So this ezlynx entry on this PST form is to be used in case the account manager/salesman somehow missed to enter the policy when originially sold.

G80

 

How to enter a policy manually

G81

Note: the following are all the ways a policy can be lowered in premium. Review carefully and see if the client is getting all the discounts/options that he/she can qualify for. 

G84

1: Multi-Policy Discount (Client can get a muti-policy discount if they combine the auto with an HO4,HO6, OR HO3 Policy. 

    The client can also get a muti-policy discount if another member of the household has the other qualifing policy. Example if the father has home insurance with nationwide then when the son also purchase an auto policy then it will get mpd since they are in the same household. Note - MPD is not given if 2 people have only auto policy. It must be a package so auto + HO4-HO3-HO6. 

G85

2: Married Discount (Client can get a discount for being married or being a registered domestic partner). 

G86

3: Group-Occupation Discount (Client can get a discount for his/her occupation, having a degree or being a busines owner) 

G87

4: Good Student Discount (Client can get a discount for his/her occupation, having a degree or being a busines owner) 

G88

5: Driver Assignment (Driver assignment can make a huge difference esecially when it comes to your drivers, get help from mo when verifying this) 

G89

Driver Exclusion (Carriers required that everyone of driving age is to be disclosed. Therefore anyone with a driver license living in the household must be added as a driver or excluded from the policy. 

When carriers find out that there are additional drivers in the household or peoples that have regular access to the clients vehicles then we will get notified by the carrier and expected to add or exclude that person from the policy.  

H1

Note: This can be a sensative issue for the clients, so it must be handled carefully by a qualified account manager. This must be discussed with Mo first. If we decide to exclude and client agrees then you must sent the exclusion form for signing, sent via ezlynx agency form for e-signature with client that have email. 

H2

Note: When we get return mail , then there are several reasons why this could happen. 

1 - The client could simply have moved to another house.

2 - The client was using seperate mailing address such as his business or po box office that he is no longer using. 

3 - The client could claim he is living at this address but in really he is not and therefore the post office is returning it because teh occupants of the property told the mail man he does not live there.

H10

Note: Return mail can be tricky and requires some experience in order to determine best course of action. You must check with Mo to determine how to proceed in handling this issue. 

We need to take into consideration the following when determing what is best way to handle it. 

1 - See if client has a homeowner policy with us and compare the mailing address on the home and auto policy.

2 - We need to see what other policies the client has with us and check the mailing addresses on those policies.

3 - We need to look up data tree to determine if he the owner of the home or renting. Perhaps he lost the home due to foreclosure or simply sold the home.

H11

Note: We usually get notified by a carrier that a vehicle on the policy was considered to be a Total Loss. This means the client got into an accident recently and due to the amount of damage to the car, the insurance carrier has decided not to repair the car and consider it a total loss. Insurance carriers usually considered totalled when the value of the damge is close to 75% of the value of the vehicle. The client is given the full market value of the vehicle and the insurance company now takes possession of the car. 

The carrier is letting know about the vehicle being totalled because as agent we have to communicate with our clients and remove the vehicle from the policy. In many cases the clients take the money they receive and purchase another vehicle. So we need to determine if we should simply delete the car from the policy or do a transfer of vehicle (delete 1 and add the replacement).

H17

 

 

Note: You must consult with MO to determine the best course of action. 

H18

 

Note: Keep in that if we make any policy change of any kind then the client will get an updated declarations in the mail (unless its on paperless policy). The client does automatically get new ID cards unless its at renewal or unless you order the id cards be mailed to him. 

H28

 

 

Note: Mark All the type of documents the client is requesting or documents you want the client to have. 

H29