Study your flashcards anywhere!

Download the official Cram app for free >

  • Shuffle
    Toggle On
    Toggle Off
  • Alphabetize
    Toggle On
    Toggle Off
  • Front First
    Toggle On
    Toggle Off
  • Both Sides
    Toggle On
    Toggle Off
  • Read
    Toggle On
    Toggle Off
Reading...
Front

How to study your flashcards.

Right/Left arrow keys: Navigate between flashcards.right arrow keyleft arrow key

Up/Down arrow keys: Flip the card between the front and back.down keyup key

H key: Show hint (3rd side).h key

A key: Read text to speech.a key

image

Play button

image

Play button

image

Progress

1/39

Click to flip

39 Cards in this Set

  • Front
  • Back
PROOF

PCO – 07 Engineers

21st Century Insurance
21st Century Casualty
California
PROOF
Copy of bachelor's degree or higher in a field of engineering
OR
Copy of license granted by the CA Board for Professional Engineers & Land Surveyors
OR
Copy of license granted by the CA Board of Registration for Geologists and Geophysicists
ELIGIBILITY

PCO – 07 Educators

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Licensed Educators and Educational Administrators
PROOF

PCO – 07 Educators

21st Century Insurance
21st Century Casualty
California
PROOF
Copy of clear, professional clear, life, preliminary or emergency credential from the CA Commission of Teacher Credentialing
OR
Letter from employer verifying full-time employment as an educator
OR
Copy of School Service Credential from the CA Commission of Teacher Credentialing
OR
Letter from employer verifying full-time employment as an educational administrator
ELIGIBILITY

PCO – 07 Scientist

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Degreed Scientist
PROOF

PCO – 07 Scientist

21st Century Insurance
21st Century Casualty
California
Copy of bachelor's degree or higher in Actuarial Science, Aerospace, Agricultural Science, Animal Science, Anthropology, Archeology, Astrobiology, Astronomy, Behavioral Science, Biochemistry, Biology, Biomedical Science, Biophysics, Chemistry, Cognitive Science, Earth Science, Ecology, Economics, Environmental Science, Epidemiology, Food Science, Forestry, Geography, Geology, Geoscience, History, Marine Science, Materials Science, Math Science, Meteorology, Microbiology, Neurobiology, Neuroscience, Ocean Science, Paleontology, Physics, Political Science, Polymer Science, Psychology, Sociology, Soil and Plant Science, Statistics, Toxicology, Urban Studies, Wildlife Biology or Zoology
ELIGIBILTY

Multi Car Discount - MCD

21st Century Insurance
21st Century Casualty
California
Available when 21st provides liability coverage for

- Two or more vehicles owned by the same policy holder and/or relatives in the same household

- Two or more vehicles co-registered to the same policy holder and garaged in the same location

NOTE: Vehicles insured for only comp and/or collision do not quality for this discount
IMPACT on Premium

Multi Car Discount - MCD

21st Century Insurance
21st Century Casualty
California
The reduction in premium will vary based on other rating factors on a policy.

To determine what the premium difference is with the discount quote the policy the opposite of how it is currently rated (i.e., currently had MCD, quote without)
WHAT IT IS…

PCO – 07

21st Insurance and Casualty
California
Group Program with lower rates for qualified

Engineers
Scientists
Teachers
ELIGIBILITY

PCO – 07 Engineers

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Degreed or licensed Engineers in any field of Engineering
PCO – 07

21st Century Insurance
21st Century Casualty
California
Group Program with lower rates for qualified

Engineers
Scientists
Teachers
WHAT it is

Anti-Theft

21st Century Insurance
21st Century Casualty
California
A 15% discount is applied to the Comprehensive coverage premium of any vehicle equipped with an approved Anti-Theft device
PCO – 08

21st Century Insurance
21st Century Casualty
California
Group Program with lower rates for qualified...

Licensed Architects
Certified Public Accountants
Licensed Dentists
Licensed Medical Doctors/Surgeons and Veterinarians
Licensed Pharmacists
Degreed Computer Professionals
21st Century Insurance Employees (Full-Time and Part-Time)
ELIGIBILITY

PCO – 08 Architect

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Licensed Architects
PROOF

PCO – 08 Architect

21st Century Insurance
21st Century Casualty
California
PROOF

Copy of license from the CA Architects Board
ELIGIBILITY

PCO–08 Certified Public Accountant (CPA)

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Certified Public Accountant (CPA)
PROOF

PCO – 08 Certified Public Accountant (CPA)

21st Century Insurance
21st Century Casualty
California
PROOF

Copy of CPA License from the CA State Board of Accountancy
ELIGIBILITY

PCO – 08 Computer Professional

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Degreed Computer Professional
PROOF

PCO – 08 Computer Professional

21st Century Insurance
21st Century Casualty
California
PROOF

Copy of bachelor's degree or higher in a computer related field
OR
Copy of bachelor's degree in any field AND a letter from employer verifying employment in a computer related field; or a job description with the insured's name & company designation; or a pay stub or business card with the insured's name & clearly stated computer job title
ELIGIBILITY

PCO – 08 Dentist

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Licensed Dentist

NOT a Dental Technician
PROOF

PCO – 08 Dentist

21st Century Insurance
21st Century Casualty
California
PROOF

Copy of License from the CA Board of Dental Examiners
ELIGIBILITY

PCO – 08 21st Century Employee

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

21st Century Insurance Employees
Full-time or Part-time [24 hours per week]
PROOF

PCO – 08 21st Century Employee

21st Century Insurance
21st Century Casualty
California
PROOF

Verified through 21st Century Human Resources Department
ELIGIBILITY

PCO – 08 Pharmacist

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Licensed Pharmacist
PROOF

PCO – 08 Pharmacist

21st Century Insurance
21st Century Casualty
California
PROOF

Copy of License from the CA Board of Pharmacy.
PROOF

PCO – 08 Physicians / Surgeons

21st Century Insurance
21st Century Casualty
California
PROOF

Copy of License from the Medical Board of CA,
Copy of License from CA Board of Podiatric Medicine
Copy of License from the Osteopathic Medical Board of CA
PROOF

PCO – 08 Psychiatrists Clinical Psychologists Clinical Social Workers Psychoanalysts

21st Century Insurance
21st Century Casualty
California
Proof

Copy of License from the CA Board of Psychology which requires a PhD in psychology.

Copy of License from the CA Board of Behavioral Sciences which requires PhD or Masters in appropriate coursework
PROOF

PCO – 08 Optometrist / Ophthalmologist

21st Century Insurance
21st Century Casualty
California
Proof


Copy of License from CA Board of Optometry
PROOF

PCO – 08 Veterinarian

21st Century Insurance
21st Century Casualty
California
Copy of License from the CA Veterinary Medical Board.
IMPACT on premium

Group Programs PCO–07 and PCO–08

21st Century Insurance
21st Century Casualty
California
There is no set percentage for the difference in premium for either the PCO-07 or PCO-08 group program.

Both programs have a reduction in the premium base rate.In order to tell the customer what the difference is a quote is required.
PROOF

Anti-Theft

21st Century Insurance
21st Century Casualty
California
Proof of installation of an approved Anti-Theft device

- LoJack
- Teletrac
- OnStar
- Mobile Mayday
- Force Tracker
- On-Guard
- Infiniti Communicator
- Lexus Link
- Network Car theft recovery
ELIGIBILITY

PCO – 08 Physicians / Surgeons

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

Doctors (MD’s)
Surgeons (MD’s)
Licensed Osteopath
Veterinarians
Optometrists
Ophthalmologists
Degreed Social Workers (MCSW) Psychologist Psychiatrist
ELIGIBILITY

Mature Driver Discount (MDD)

21st Century Insurance
21st Century Casualty
California
ELIGIBILITY

50 years of age or older

No moving violations of AF accidents within the most recent 36 months

Must be rated as the principal operator (PO)

Must have completed an approved MDD course within the most recent 36 months and have a dated certificate
PROOF

Mature Driver Discount (MDD)

21st Century Insurance
21st Century Casualty
California
A dated certificate indicating completion of an approved Mature Driver Discount (MDD) course within the most recent 36 months
IMPACT on premium

Mature Driver Discount (MDD)

21st Century Insurance
21st Century Casualty
California
A 2% (two) discount on the premium for Bodily Injury (BI), Property Damage (PD), Medical Payments (Med Pay) and Uninsured Motorist Bodily Injury (UMBI).

Valid until the renewal following the 3 year anniversary of the certificate.
ELIGIBILTY

Good Student Discount (GSD)

21st Century Insurance
21st Century Casualty
California
Must be a rated driver (PO or OC); At least 16 years old, single with less than 9 years of driving experience

Full-time high school, college or university student with at least 12 units, or a graduate student with at least 8 units (Trade/Technical school students do not qualify)

No chargeable accidents No convictions of a chargeable moving violation No convictions of a traffic-related offense involving alcohol or narcotics.
PROOF

Good Student Discount (GSD)

21st Century Insurance
21st Century Casualty
California
Good student discount certificate (TCU-294) with

- An official school stamp
- Signed & dated by a school administrator for immediately preceding school semester/quarter/comparable segment verifying the student was named on the honor roll/dean's list/has a GPA of 3.0 (B) or better/in the top 20% of class

OR-Graduated from a 4 yr college/ university & maintained the qualifications listed above during the last 2 yrs of his/her schooling

Any school document with the above information
IMPACT on Premium

Good Student Discount (GSD)

21st Century Insurance
21st Century Casualty
California
10% discount for females
15% discount for males

Applies to BI, PD, Med pay, UMBI, Comp, Collision, and UMPD $3,500 coverages applicable to the insured motor vehicle the driver is rated on
WHAT it is

Mixed Policy

21st Century Insurance
21st Century Casualty
California
A slightly better rate given to non-good drivers when there is another driver in the household who has maintained his/her good driver status for the preceding 36 months
ELIGIBILTY

Mixed Policy

21st Century Insurance
21st Century Casualty
California
Mixed Policy applies when One good driver on the policy has maintained his/her good driver status for the past 36 monthsWhat to look for: 6 or more good driver terms