New questions have been added to the Pulse system under the “Driver” tab to better identify potential drivers including or excluding those who may drive an insured vehicle.

Target

• Anyone that comes to the house who may have access to the vehicles like extended family, for example but not limited to:

  • Spouse,

  • Child,

  • Grandchild,

  • Romantic partner,

  • Sibling,

  • Roommate,

  • Parent,

  • Grandparent,

  • In-law,

  • Immediate family (cousin, aunt, uncle)

  • Friend,

  • Neighbor

  • Unknown relationship potential driver

  • etc.

Instructions: The script is mandatory, they need to be read exactly verbatim. The drivers the insured provides need to be included or excluded based on the customers answers.

Place the customer at ease by explaining the reason why you’re inquiring about potential drivers. Customers can get defensive if they don’t understand our motive. Take the time to explain, assertiveness and eye contact will help to reassure them we’re only trying to look after their best interest.

Script: “We have a few questions about possible additional drivers. These questions are important because we want to be sure you & your vehicles are protected with the right coverage.”

Tenemos unas preguntas para identificar conductores potenciales. Estas preguntas son importantes para asegurarnos que usted y sus vehículos tengan la cobertura correcta.

Question #1

Mr./Mrs. Insured, do you have a son or daughter?

Mr./Mrs. Asegurado, ¿tiene usted un hijo o una hija?

Reason: No matter if the son or daughter lives in or outside of the house, they need to be listed or excluded from the policy.

Sin importar si el hijo o hija viven dentro o fuera de la casa, para manejar ellos necesitan estar incluidos o excluidos de la póliza.

Note to Agent: Son and daughters need to be listed or excluded from the policy. Also note that Pronto cannot bind coverage for any driver between the ages of twelve and eighteen who do not have a current, valid driver’s license. They must be excluded from the policy.

Question #2:

Mr./Mrs. Insured, besides your spouse, son, or daughter, is there anyone else, for example: friend, boyfriend, girlfriend, niece, nephew, aunt, uncle, grandparent, in-law, roommate, etc., who has access to your car whether they live in your house or not?

Mr./Mrs. Asegurado, aparte de su pareja, hijo o hija, hay alguien más por ejemplo: amigo, novio(a), sobrino(a), tío(a), abuelo(a), suegro(a), o compañero(a) que resida con usted, etc., que vivan en su casa o no y que tenga acceso a sus vehículos?

Reason: If they are driving your car, we need to include them so they are covered under the policy. If they are not driving your car, we need to exclude them to give you the best rate.

Si ellos llegaran a conducir su vehículo, necesitamos incluirlos para que estén cubiertos bajo la póliza. Si no conducen su vehículo, necesitamos excluirlos para poder ofrecerle el mejor precio en su póliza.

Thank The Customer: Thank you for answering these questions, reassure them we only seek to be sure we find you the right coverage before they’re involved in a loss.