Quick Links:
- Policyholders Requesting To Add Teen Driver With Learner's Permit
- Legally Registered Domestic Partner
Add Driver Process:
The following data must be collected when adding a driver:
- Do they live in your household?
- What is the driver's full name as it appears on their license?
- What is their date of birth?
- What is their driver's license number and state?
- When did they first receive their U.S. driver's license?
- What is their relation to you?
- What is their marital status?
- Have they been continuously insured for the last 5 years?
- What do they do for work?
- What is their highest level of education?
- Have they ever served in the military?
- Are they a registered owner of any vehicle being insured with Clearcover?
- Are they operating any vehicle(s) insured with Clearcover more than once per week?
To ensure that drivers are added and excluded appropriately on policies, Clearcover's Underwriting team asks that you be aware of the guidelines outlined in this article.
Spouses On The Policy
The flow chart below references 'other than spouse' because ALL SPOUSES must be accounted for on a policy. The rules differ based on state type:
• Standard Auto states that are under underwriting 3.3 — spouses must be listed as active drivers, if a spouse cannot be added as an active driver, the customer is not a good fit with Clearcover. To verify which states continue to allow spousal exclusion, please consult the Spousal Exclusion Reference Guide.
In terms of policy dependents away at school or in the military, CX should consider the following before adding drivers to policies:
-
Acceptable - Under the circumstances below, it is appropriate to add the driver to a policy.
- Vehicle is kept with the DEPENDENT CHILD of the Named Insured or their legal spouse.
- DEPENDENT CHILD is away at school without a vehicle.
- Vehicle is kept with the Named Insured's LEGAL REGISTERED DOMESTIC PARTNER who is currently away at school or in the military but intends to return home.
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Unacceptable - Under the circumstances below, the driver in question would need their own policy. After explaining this to the Named Insured, please submit an Underwriting Referral.
- The child has their own residence for school and does not intend to move home. This includes the child living with their significant other or a married child.
If a customer isn't a good fit for any reason, you can offer one of the following options as an alternative:
- If you see an agent of record listed in Core, please refer the insured back to this producer.
- If there isn't an associated independent agent, offer a referral to AFI.
Please note: If customer refuses to add driver please review Forcing Policy Changes KB
Policyholders Requesting To Add Teen Driver With Learner's Permit:
When a policyholder is requesting to add a driver who isn't actually licensed and only has a permit, please follow the instructions outlined below on how to inform the policyholder based on their state:
For UW 3.1
- Utilizing Macro below collect the permitted driver information
- Submit an Underwriting Ticket reason Drivers w/ Learner's Permit (Include in note expected license date if known)
- Advise insured that we have collected the information but that they need to contact us as soon as the permitted driver is licensed so we can add them to the policy, failure to do so may result in claims denial.
For UW 3.3
- Permitted drivers can be added to the policy, answer the questions in Core and it will add them as a list-only driver.
- Customer will need to call back to update the driver's license number once obtained. Failure to do so may result in denied claims.
Use the macro Explain::Drivers with a learner's permit and permissive use in your internal notes. The macro collects the following information from the policyholder:
- Permit number (or copy of permit)
- Household status, full name, DOB, relation to NI, marital status
- Occupation, education, military experience
- Permit expiration date and driving test date
The macro also advises the customer to call back when the driver is fully licensed and notes that failure to do so may result in claims denial or non-renewal.
For more information regarding permissive use, see this KB: Permissive Use
Flow Chart:
Dependent Child Definition
In general, a child could be considered a dependent for TAX PURPOSES if they meet the following criteria:
Relationship: The person must be your child, stepchild, foster child, sibling, stepsibling, or a descendant of one of these (for example, your grandchild).
Age: The child must be:
- Under age 19 at the end of the year and younger than you (or your spouse, if you file a joint return),
- A student under age 24 at the end of the year and younger than you (or your spouse, if you file a joint return), or
- Permanently and totally disabled at any time during the year, regardless of age.
Support: The child must not have provided more than half of their own support for the year.
Residency: The child must have lived with you for more than half of the year.
Joint return: The child must not be filing a joint return for the year (unless that return is filed only as a claim for refund).
Dependent Driver Questions
- Do you consider this person a dependent?
- How is this person related to you?
- For dependent age requirements, was this person one of the following?:
- Under age 19 at the end of year & younger than you (or spouse if filing joint return)
- A student under age 24 at the end of year & younger than you (or spouse if filing joint return)
- Permanently & totally disabled at any time during the year regardless of age
- Have you provided more than 1/2 of their support for the year?
- Has the child lived with you for more than 1/2 of the year?
- Concerning taxes, did this person file a joint return for reasons outside of a claim or refund?
Legally Registered Domestic Partner:
To be considered a Legally Registered Domestic Partner the PNI and their partner need to be registered through the state as a Domestic Partnership. We do not currently require any documentation to prove a Domestic Partnership but we want to make sure we are asking this appropriately when going through the quote flow.
Example:
"Are you and your partner legally registered as a Domestic Partnership through your state?"
If the customer states something like "We live in the same home and have been in a partnership for X amount of years." We want to ensure we're asking probing questions to ensure they are registered in their state.