I am 1.5 years into insurance. First year I was moved to commercial and I learned a lot lot and was doing mainly property in Florida.
So second year I am back in personal lines as a CSR. About two weeks ago I saw a renewal coming up with Progressive and a note about payment. It seems that the client was prohibited from using any more bank drafts. I called over the two weeks letting him know as I was checking payment status each day.
So over a weekend the policy expires. Monday he tells the agent the reason for the lapse is that I had not called as I promised to take payment. Thankfully I took notes and could show I never said that. Three days later and still no payment made and client not answering the phone.
So my question is: as an agent or CSR do we have any legal exposure for a client that does not make payment and gets into an accident? Is taking details notes of each attempt to warn them enough to be in 'safe harbor'.
So second year I am back in personal lines as a CSR. About two weeks ago I saw a renewal coming up with Progressive and a note about payment. It seems that the client was prohibited from using any more bank drafts. I called over the two weeks letting him know as I was checking payment status each day.
So over a weekend the policy expires. Monday he tells the agent the reason for the lapse is that I had not called as I promised to take payment. Thankfully I took notes and could show I never said that. Three days later and still no payment made and client not answering the phone.
So my question is: as an agent or CSR do we have any legal exposure for a client that does not make payment and gets into an accident? Is taking details notes of each attempt to warn them enough to be in 'safe harbor'.