Posted: Tue Sep 26, 2006 12:17 pm
I don't voluntarily run MVR's and CLUE's in the quote part, but what happens on AIG's webrater and DRS software is this:dev1nsan wrote:Why are you running mvr's and clues on quotes in the first place it's a quote ( estimate based on the information the customer gives you ). Your not the only one in this situation, I've wondered how to get the preffered appointment myself, because most of them want you to be appointed with atleast one prefered already and see how your doing with that. I've sort of given up on trying to get a prefered carrierer and am working on getting my life lisence. Try working with one of those wholesale.
When the customer likes the quote (even though you explain that it is not written in stone, and that the actual price could change depending on their MVR and CLUE) and prepares to buy the policy with that quote price in mind, you have to click on the tab for APPLICATION to convert the quote to a policy. It is at the final tab that says "FINAL SALE" that you click on to print and upload the policy/app which automatically brings up a message box that says "Retreiving Reports" and then if there's anything on the customer's MVR or CLUE, a window pops up with the AIG's codes for various violations and drivers license points which you can dispute or not and then click "OK" on order to continue. If they get mad and say, "there'e no way I'm paying that...." and leave, the policy doesn't get uploaded - it just ends up a dead end that the agent gets charged for. If they agree to buy even with the revised quote based on the POS CLUE and MVR reports, there's no problem because then the agent is not charged for the MVR and CLUE for a policy app that didn't go anywhere. But too often that's not what happens, especially considering what you deal with when having no other options for making a living selling insurance except to the non-standard market. Most non-standard customers are also low income so even as little as $10 is enough to break a sale. Non-standard customers also rate shop and hop agencies and carriers alot more frequently than the preferred ones do, which is why building a book is next to impossible witht the non-standard market, unless you're lucky enough to be well established as the biggest - or the only non-standard agency in town.
Customers get pissed off and leave at that Point-Of-Sale - AFTER the MVR's and CLUE's got pulled at the "FINAL SALE" part. It is precisely at that point that the MVR and CLUE has already been pulled and either the customer buys because they like the price or they get pissed off and don't buy and get up and leave because they don't like the new revised price based on the MVR and CLUE reports that were automatically pulled when the agent has to click on the "FINAL SALES" tab to upload the policy. If there's anything adverse on those MVR's and CLUE's which causes the customers' quote to change, they get pissed off, get up and leave - and the poor agent has not only worked for free (because we only get paid if we sell anything, we don't get paid for our time in providing the services leading up to the sale - or lack of sale), but now that agent is also charged $8 by AIG for the MVR & CLUE for quotes that dead-end and don't end up as sold, uploaded policies. So unfortunately, there's NO WAY around getting hit with being penalized by AIG for this when it's not the agents' faults. Victoria and Progressive are the same way, too. I would love to place more business with Viking, but unfortunately their rates can't compete with AIG and with AIG, Progressive and others jumping on the direct write bandwagon, people call the 1-800 numbers on the tv infomercials and mailers and get free quotes and then figure they might as well just buy from there if the independent agent can't match it or beat it.