Question for Auto Insurance agents?

Question:
Do you have to have some kind of cirtification to legally sell an auto Insurance Policy to a customer? Can a Receptionist legally sell a policy?

Answers:

I got rear ended today , realy damaged my car , how can I get more money from the insurance company ??

In order to sell a policy, you have to be a licensed agent. To get a license, you take a class thats about 30-40 hours over the course of a week, then you are eligible to take the test. The class will cost around $200, and the test is around $85 to take, this would more than likely be paid by your employer or the agent. Once you are licensed, you can then sell a policy, give advice, discuss coverages, sign applications, etc. Until you are licensed, even discussing coverages over the phone can be illegal, and if you give the client the wrong information, and a legal issue comes up about it, It can be disasterous. A receptionist can only give insurance info to banks/lenders, and tell a client the coverages they have, but not discuss what they cover. Hope this helps!

The Car insurance company gave me a low estimate on repairs?

Operating under the license of the company with her bosses permission, certainly.

Difference between a UK and European Driving licence?

You cannot legally sell insurance without a license in the US, I do not know about other countries but I would think it would be the same. Different types of insurance need different licenses - Property & Casualty for home, auto, umbrella, boat, etc - Life & Health for Life & health, etc. You have to be a licensed agent, broker and/or producer - depends on the state which it is or a license could be all of them. You can be the receptionist and sell insurance but I don't think that: 1) you would be happy getting a receptionist's salary and be a licensed insurance professional and 2) that the agency you work for would pay for your licensing & let you remain a receptionist.
Anyway, in some states you have to go to insurance school for several months, then pass the school exam. Then, once you do that, you set up an appointment to go take the state exam & you have to bring proof with you that you passed the school exam. In some states you can self-study and just go take the state exam. Once you are licensed, in order to stay licensed you have to have continuing education - so many classes/credits per year - approved by the State and reported to the State.

Do i have to take the written permit test before getting my driver liscense?

She can if she is licensed by the state he or she is in to do so. If you do not have an insurance license, you can not sell.

Will my car Insurance rates up if my car was vandalized?

It depends I guess on what state you are in but I know for a fact that FL, MD, DC, NY, PA and Va agents must have a license. I am pretty sure this is the case in most if not all states. In any of the above states, the office would get in a lot of trouble letting an unlicensed receptionist sell insurance.

Where do I go to get a Florida License plate??

You do have to have a license to sell insurance in all states.

I've just bought a car and am going to drive it home. Can I get done for driving without insurance?


Now the reality is that there are many agencies that have staff that are not licensed and do sell. They sign someone elses name to the application as the agent. It is illegal and the agencies license can be revoked.

How old do you have to be to drive on your own?



Even the receptionist at our agency is licensed. She doesn't do any type of sales but it is just in our best interest to have her licensed.

Do you where I can locate a low auto insurance?

Laws always vary from state to state, but I suspect the receptionist, or any other non-licensed person, can fill out the paperwork, but I think only a licensed person can sign it or officially "sell" it. God, I hope so. I wouldn't want just anybody at an agency to be able to.
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