AZ UW GUIDE

Question 1

4 wheeled passenger auto not used to carry people or property for a fee.

Answer 1

Private Passenger Auto

Question 2

All cancel requests must indicate this

Answer 2

Reason for Cancellation

Question 3

Becomes part of the policy after completion

Answer 3

Application

Question 4

Short rated vs. Pro-rata

Answer 4

Cancels by CCC are pro-rata vs. Cancels by Insured request are short-rated (no fees are refunded)

Question 5

Initial check for down payment is not honored

Answer 5

Coverage does not exist even in BOUND

Question 6

Registered owner of vehicle must be either this or that

Answer 6

Must be rated or excluded on policy

Question 7

A signed copy must be provided to the Insured

Answer 7

Copy of application

Question 8

72 hours after policy upload

Answer 8

Agency Sweep occurs

Question 9

Below are all examples of what as part of the application? 
Registration
Title
Dealership Purchase Agreement
Notarized Bill of Sale
Notarized Power of Attorney

Answer 9

Insurable Interest

*Must be included as part of application

Question 10

Responsible for the application being complete and correct amount of premium collected

Answer 10

Producer (agent)

Question 11

Must be kept on file at the agency

Answer 11

Signed application and copy of the Named Insured’s DL

Question 12

48 hours to produce requested documents

Answer 12

Timeframe for agency to produce documents related to the policy if requested by CCC.

Question 13

Named Driver Exclusion

Answer 13

All HH members over 14 must be rated or excluded

Question 14

40% of the total premium

Answer 14

Total policy discounts cannot exceed this

Question 15

MVRs, CLUE reports and Household Resident Reports

Answer 15

Reports that may be used when rating New Policies, Renewals, Reissues and to ADD DRIVER

Question 16

Require a completed Medical Statement from the FORMS tab

Answer 16

Rated driver over 75 years of age

Question 17

Out of State Drivers License

Answer 17

Accepted without a surcharge

Question 18

Acceptable DL with 15% surcharge to BI/PD and Coll/OTC

Answer 18

International License

Question 19

Acceptable license with 20% surcharge to BI/BD and Coll/OTC

Answer 19

Licensed under 3 years

Temporary Drivers Permits

Question 20

Revoked License

Answer 20

Unacceptable Risk

Question 21

Real Estate Agents vehicle use

Answer 21

Business Use-25% surcharge to BI/PD Coll/OTC

Question 22

Premium can be uprated or changed within first 60 days

Answer 22

Undisclosed violations, drivers or accidents are discovered

Question 23

Monthly Installment within $10 of amount due

Answer 23

Accepted and balance applied to remaining payments

Question 24

Pay in Full unless on agent is on Auto Release list

Answer 24

4th reissue in last 180 days (cancelled 3 times prior in last 180 days)

Question 25

Max time for Reissue to keep transfer and renewal discounts

Answer 25

30 days or less since cancellation

Question 26

Earned premium that is outstanding from cancelled policies

Answer 26

Policy Balance

Question 27

If an Insured is on a payment extension, but does not pay, their policy will likely have what?

Answer 27

Policy balance | Since NI is covered during extension period.

Question 28

Reissue Fee

Answer 28

$ 7 | *$7 Reissue Fee+$9 Installment Fee+ATPF per vehicle fee.

Question 29

ATPF per vehicle fee

Answer 29

.50 cents

Question 30

EFT Installment Fee

Answer 30

$5

Question 31

SR-22 Fee

Answer 31

$25 per policy period

Question 32

Grace Period length

Answer 32

7 days-starts day after due date

Question 33

Short-rated at 90% of pro-rata

Answer 33

Cancellations by NI or Agent request

Question 34

Rewrite (new application) required

Answer 34

Policies with a 60 day or more lapse in coverage

Question 35

BI/PD minimums in AZ

Answer 35

15/30/10

Question 36

Highest BI/PD limits offered by CCC

Answer 36

100/300/100

Question 37

Must carry the same limits on multi-vehicle policy

Answer 37

BI/PD, UIM/BI, UMBI, UMPD

Question 38

Coverage against hit and run drivers

Answer 38

UMBI

Question 39

Covers injuries up to $1k per person even as a pedestrian

Answer 39

Medical Payments

Question 40

Premium rated based on vehicle symbols

Answer 40

Coll/OTC

Question 41

Maximum limit for Coll/OTC coverage

Answer 41

Lesser of ACV or Cost to Repair

Question 42

Passenger Van with seating capacity of 12 or more

Answer 42

Unacceptable Vehicle Risk

Question 43

Drivers 50% or more responsible for 3 or more losses in last 36 months

Answer 43

Unacceptable Risk

Question 44

Two 6 point violations (CCC points)

Answer 44

Unacceptable Risk

Question 45

Vehicle not titled or registered in the United States

Answer 45

Unacceptable Risk

Question 46

Max vehicle age for liability coverage

Answer 46

20 years | *Exceptions for replacement vehicles

Question 47

Porsche, BMW, Corvettes

Answer 47

Acceptable for Coll/OTC only as replacement vehicles. | *Advise Insured they will receive a UW letter to remove the vehicle prior to next policy period.

Question 48

50% or more at fault with $1k or more in total damages

Answer 48

Chargeable Accident

Question 49

Waive a violation

Answer 49

If violation within 30 days of expiration

Question 50

Premiums start to rise with this number of CCC points

Answer 50

1 | *see pg 27 of AZ UW Guide

Question 51

Max # of vehicles on a policy

Answer 51

6 | *work with UW for exceptions

Question 52

Max age for Coll/OTC

Answer 52

15 years

Question 53

Choose $20 day/30 days or $30day/30 days

Answer 53

Rental Reimbursement Coverage

Question 54

14 points in last 36 months

Answer 54

Max # of points for acceptable drivers | *Two 6 point violations are also unacceptable

Question 55

20% policy discount for having more than 1 vehicle insured

Answer 55

Multi-Policy Discount * Applied to BI/PD, Coll/OTC, MP, UM, UIM * Only applies to same coverages on vehicles, i.e. Veh 1 only has Bi/PD and Coll/OTC, Veh 2 will then have 20% discount for those coverages only

Question 56

5% discount for paying total policy premium at once

Answer 56

Pay in Full discount | *PIF does not count towards the 40% max discount limit