BUSINESS AUTO ONLINE

Transcription

1 AMERICAN SERVICE INSURANCE COMPANY COMMERCIAL BUSINESS UNIT BUSINESS AUTO ONLINE TRAINING GUIDE WEBSITE: For your convenience, here is our Contact Information: PHONE #: (847) prompt #3 or toll free (800) FAX #: (847)

2 Once logged on through atlas-fin.com Click on Commercial and then Business Auto Select. Click on Reference to access Training Materials, Underwriting Guidelines and Frequently Asked Questions. Click on POINT OF SALE to enter.

3 Click on Business Auto Select to enter a new quote or edit an existing quote.

4 In the right hand corner, Click on New Application.

5 Select American Service. Read the Underwriting Guidelines and click I Agree to enter. Click Cancel to exit.

6 Enter Applicant information, Inception, Term & Business Type. Enter Prior Company Insurance information when applicable. Click on Credits/Debits if you need to enter any (this is a Submit item).

7 Credits and debits are typically used for large accounts and need underwriting approval. Enter the amount of the credits and/or debits in the appropriate boxes (use whole numbers). Credits and debits will only be approved under special circumstances. When finished click on Back to Application.

8 Enter Driver information (FIRST _ MIDDLE INITIAL _ LAST NAME), Date of Birth & Relationship to the business. IL & USA are defaulted based on the Driver s Date of Birth. Choose the correct selection under the Relationship box (i.e. Owner for company Owner, Employee for non-relative employees) If the driver has an International Driver s License select INT L under State. Click on Driver Info to enter any violations, accidents or to select a Not Licensed Driver.

9 Check any boxes that apply to this driver. Select any Violations or Accidents that apply and enter the date. This information will be verified once the MVR is run.

10 Click Add Driver to add additional drivers. Click Continue to Trucks/Vans when finished.

11 Enter Policy and Coverage information. Note for Use: Service: Maximum 3 stops per day (per vehicle) Commercial: More than 3 stops per day (per vehicle) Retail: Retail Delivery type risks

12 For Hired Auto Coverage Select Yes and enter the estimated Cost of Hire. For Non-Owned Coverage Select Yes and enter the # of Employees. Both of these coverages will be referred to the Company for approval.

13 Enter the Year, Make and Model of the vehicle. If the model is not found select Not Listed and enter the correct Model, Size and Original Cost New (OCN) when applicable. Models that are Not Listed will be submitted to the Company for review. If Stated Value was selected enter the Stated Value. Select Deductible for Physical Damage when applicable.

14 Click Add Vehicle to add a Trailer. Enter the Year and select the type of trailer under Make. Select the type of trailer under the Model drop down. You may add physical damage to the trailer max value is $5000.

15 Click Add Vehicle to add additional vehicles. Use the Exceptions button to make any Vehicle specific changes. Click Generate Quote to quote without pulling MVRs for the drivers. -Quote will be based on information entered in the Driver Info screen. Click Quote With MVR to pull the MVRs and rate accordingly. Click Enter VINs to enter and validate each vehicle (Not needed to Quote).

16 1 -Enter the Vehicle Identification Numbers in the spaces provided. Click Validate VINs. If VIN(s) are verified click on Return to Vehicles. 2 -If a VIN is Not Verified, check to make sure it was entered correctly. 3 -To bypass the Validation, click on Use VIN to Override and click on Return to Vehicles. *NOTE -The VIN can also be entered before the vehicle information if the VIN is valid, it will automatically populate the Year, Make and Model. **NOTE -VINs are not validated for Trailers.

17 Click on Details for the quote details. Click on Financing for a sample calculator. Click on Bind to proceed to Bind the policy.

18 This screen shows the Applicant information, vehicles, coverage details and premiums for this Quote.

19 This calculator is used for estimating payment options only. This will not carry over when making a payment.

20 1 -If a VIN was Not Verified before hitting the Bind button, they must be validated now. 2 -To bypass the Validation, click on Use VIN to Override, then click Re-Rate, this will submit the application for Company approval. 3 -If the VIN(s) are validated, click Re-rate to proceed.

21 When you click on Bind, this screen will appear. A link for the MVR(s) will appear. Click link to view or print. Quoted shows the amount without the MVR(s). Actual is the amount with the MVR(s). Click Accept to proceed with Binding or click Details for the updated Quote sheet.

22 Enter the Mailing Address. If the Physical Address is different, correct the information. Enter any Additional Insureds when applicable (there is no charge for this).

23 Verify the Vehicle Information Enter Lienholder information when applicable. Enter Garaging Address if different than the physical address.

24 Select the correct answers. Questions 2 19 are defaulted to No change the answer when needed. Add any Remarks at the bottom.

25 Select one of the Payment Methods your Agency is setup for. For Premium Finance select one of our Premium Finance Companies. Click continue.

26 For Direct Bill or Direct Bill with EFT, select the down payment percentage.

27 For Premium Finance -Select Down Payment Percentage.

28 Enter amount collected from the client. The amount Received should match the amount to Collect.

29 For Agency Bill make sure the Total Policy Premium is correct. Click Process Application to finalize and Bind the account.

30 1 -If a Notice appears it will list what items need approval from the company before the account can be bound. Click Submit to American Service to submit the account for approval. You will receive a message under the menu option on the Point of Sale Menu when there is an update from Customer Service. 2 -You can also click on Submitted Quotes to check the status, edit, delete or withdraw your quote.

31 Verify the Proper Method of Payment and click OK.

32 Print the Insurance Application and have the insured sign and initial where instructed. Print the I.D. Cards for the insured. Click the links to view or print any additional Policy forms. Policies for Agency Bill agents will be mailed to the agent and for Direct Bill agents, the policy will go directly to the insured.

33 Signed application reminder. You may Fax or mail in the signed applications for split limits of 50/100 or higher or a 50k CSL or higher.

34 After you enter the POS menu you will see many options. There are two different ways to process an endorsement. If you know the policy number you can click on the Endorsements button.

35 Enter Entire Policy Number including Suffix and click Continue.

36 Or you can endorse a policy by clicking on the Bound Policies button.

37 In this screen you can choose from many different ways to look up a policy. Each dropdown box has different criteria. The Equal To button corresponds to the Search For button. After the search criteria is entered click find, then click Endorse. You can also re-print and view policy documents here.

38 If an endorsement has been processed on this policy the same day you will receive this error message. You will need to enter the endorsement tomorrow and submit it to underwriting for approval if you need it backdated to the prior day.

39 Type the description of the endorsement. You can process more than one transaction on an endorsement as long as the transactions have the same effective date. You can only process 1 endorsement per policy in a given day.

40 Make changes as need to this screen. -Driver 3 added. Click on Driver Info for new driver.

41 Make changes to this screen as needed. -Added Vehicle 3. Click Enter VINs to validate any New VINs (optional for Quoting).

42 Here is the Quote Results for the changes made. Click on Details for Quote Details, Financing for the calculator and Bind to Bind the endorsement. Validate and VINS for new vehicles.

43 Screen shows change in premium also this is where the MVR for the new driver would appear. Click accept and move to policy information screens.

44 Make changes as needed. Add any Additional Insureds.

45 Add any other information needed (Lienholder, Garaging address ).

46 Change any answers if necessary. Choose Payment method. You can only choose the same method as the original policy.

47 Enter form or forms of payment. Amount Received must equal Collect from Client.

48 Continue by clicking OK and the Endorsement will be generated.

49 Print any documents to give to the Insured from this menu. The Common Policy Changes will list all changes made to the policy in the endorsement.