MCCCD Program Description

Automobile Insurance Policy Coverage

Course: INS130

First Term: 2021 Fall

Lec + Lab 3.0 Credit(s) 4.0 Period(s) 4.0 Load
Subject Type: Occupational
Load Formula: T - Lab Load

Description: Customer service procedures for managing automobile insurance policy changes and coverage concerns. Emphasis on policy changes and additions, including effective date determination. Covers change of address, principal operator, vehicle replacement and deletion information, as well as expiring policy changes requirements procedures.

MCCCD Official Course Competencies
1. Demonstrate general insurance policy changes procedures. (I) 2. Review general types of auto insurance coverage. (II) 3. Identify auto insurance policy changes effective date considerations. (III) 4. Explain auto insurance policy last change date stipulations. (IV) 5. Complete procedures for adding changes to an expiring auto insurance policy. (V) 6. Describe automobile insurance policy change of address concerns. (VI) 7. Access customer accounts to complete policy changes. (VI-X) 8. Cite automobile insurance policy vehicle addition concerns. (VII) 9. Explain automobile insurance policy principal operator of vehicle classifications. (VIII) 10. Describe vehicle replacement and deletion procedures. (IX-X) 11. Practice vehicle replacement, addition, and deletion customer service procedures. (IX-X)
MCCCD Official Course Competencies must be coordinated with the content outline so that each major point in the outline serves one or more competencies. MCCCD faculty retains authority in determining the pedagogical approach, methodology, content sequencing, and assessment metrics for student work. Please see individual course syllabi for additional information, including specific course requirements.

MCCCD Official Course Outline
I. Policy changes and issues A. Definition B. Terms C. Types II. Insurance coverage review A. Coverage types B. Coverage requirements C. State specific insurance requirements III. Effective date considerations A. General date establishment procedures B. Terms 1. Exposure 2. Risk C. Effective date exception stipulations 1. State restrictions 2. Weather restrictions IV. Last change date issues A. Effective date request concerns B. Premium change C. Adjustment considerations 1. Additional endorsements 2. Credit endorsements 3. Non-premium endorsements D. Specific state restrictions V. Expiring policy alteration considerations A. Change in coverage 1. Credit 2. Additional premium 3. Non-premium B. Renewal coverage parity C. Term change restrictions VI. Change of address concerns A. In state change concerns 1. Correct address importance 2. Rating territory changes B. Out of state change concerns 1. Student/military exceptions 2. Coverage change requirements VII. Vehicle addition procedures A. Effective date issues B. Vehicle identification number concerns C. Garaging considerations D. Inspection issues E. Special vehicle coverage VIII. Principle classifications A. Vehicle to operator B. Operator C. Occasional operator classification D. Lien holder addition IX. Vehicle replacement concerns A. Vehicle skill model replacement B. Effective date issues X. Vehicle deletion concerns A. Vehicle sold B. Vehicle repossessed C. Total loss D. Information verification procedures

MCCCD Governing Board Approval Date: April 27, 2021

All information published is subject to change without notice. Every effort has been made to ensure the accuracy of information presented, but based on the dynamic nature of the curricular process, course and program information is subject to change in order to reflect the most current information available.