State Farm Auto Insurance Practice Test

What should a representative do if a prospect is unsure whether an accident is at-fault?

1. Assume it is at-fault and inform the prospect of the change

2. Advise them that it will not affect their quote

3. Ignore the uncertainty and proceed with the quote

4. Request a document proving fault

The correct answer is: Assume it is at-fault and inform the prospect of the change

In the scenario where a prospect is unsure about whether an accident is at-fault, the representative should clarify that the circumstances of the accident need to be accurately assessed. Assuming that it is at-fault and informing the prospect of this change is crucial because the determination of fault can significantly impact the insurance premium and the quote presented. By assuming at-fault status, the representative ensures that the quote reflects potentially higher risks and costs associated with past accidents, leading to a more transparent and accurate discussion of the insurance options available. This approach also prepares the prospective client for possible complications related to claims or premium increases down the line, enhancing their understanding of their insurance situation. Ensuring clarity on the status of fault is an essential part of providing comprehensive service; it allows the prospect to have a full understanding of what their coverage entails and how previous incidents may influence their rates.