utterance: Good morning. Rivertown Insurance. This is Jessica. How can I help you today?

utterance: Hi, Jessica. I have a policy with you. #Uh, an auto policy, and I just got a new car. I mean, a used car, but new- new to me.

utterance: Congratulations! Can I get your policy number?

utterance: Yeah, it's four five eight.

utterance: Four five eight.

utterance: Q as in q-tip.

utterance: Q.

utterance: nine seven three two.

utterance: nine seven three two.

utterance: A as in apple, C as in car, and then the number three.

utterance: A, C, three. Great, thanks! And can I just confirm your full name and your date of birth?

utterance: Yeah, Samuel Boardman. That's B as in, board. O. a. r. d. m. a. n. And birth date is, today, actually.

utterance: Happy birthday!

utterance: Thanks! Yeah, today, August second, nineteen seventy two.

utterance: Got it, thanks! Was the car a birthday present?

utterance: #Uh, oh, no, no! It was just, time for an upgrade.

utterance: I get it! So.

utterance: It's a, twenty eighteen Subaru Outback.

utterance: Oh, nice! Good for toting gear.

utterance: Yeah, my stuff, my camping stuff didn't really fit before and I just kept getting more.

utterance: So this is replacing your Mazda two.

utterance: Yeah, yeah. Good little car, but I have too much stuff! .

utterance: OK, so the Mazda was a

utterance: Twenty eleven.

utterance: Great, thanks! OK, I've just got a few questions and then I'll be able to update your policy.

utterance: Thanks! And can I do the registration- the updated registration with you? Can I

utterance: Oh, you'll have to do that through the department of motor vehicles. Sorry! That's the one thing that I can't do from my end.

utterance: No worries! Just hoping to skip the d. m. v. lines! .

utterance: Understood completely! But it's, you can do it online and then it should only take like three or four days and then they just mail you your new card- your new registration card.

utterance: Sweet! That'll save some time.

utterance: Definitely!

utterance: And frustration! .

utterance: That, too! So your Outback- it looks like the twenty eighteen model has dual airbags.

utterance: Yep. Yeah, it does.

utterance: Excellent! That does help lower your premium.

utterance: And it's got blind spot monitoring to help reverse and park.

utterance: Unfortunately, that one doesn't help the premium.

utterance: Really? Why not?

utterance: It, in case of an accident, it can actually cost more to repair because of all of the sensors.

utterance: Oh, man! #Uh, sorry, I guess I get it. Yeah, I'm- I'm not mad or anything.

utterance: No worries! I know, we want the latest technology, and it does help, but with this particular one it can actually increase costs.

utterance: An unintended consequence.

utterance: Exactly! And since this is a newer model and a well, a newer car and a different model, I should say.

utterance: Yeah, a higher rate.

utterance: For more coverage. Yeah, the rate will increase.

utterance: OK, yeah, I- I know.

utterance: And will you still be driving it daily?

utterance: Oh, yeah. I mean, to work and stuff and then also on weekends.

utterance: On adventures!

utterance: Totally! We'll go places the Mazda couldn't go!

utterance: OK, so that part, that aspect isn't changing.

utterance: No, no. It'll- it's still gonna be for daily driving.

utterance: OK, OK.

utterance: And, I was wondering about

utterance: Yes?

utterance: Could you tell me about your, like, speed tracking? Like how it works and stuff?

utterance: Our Fast App?

utterance: Yeah, yeah.

utterance: Absolutely! It's a app that you download. And what it does is, all you have to do is have your phone in the car with you. Not touching it, of course!

utterance: Of course! .

utterance: So like secure in a holder or backpack or wherever. It just has to be in the vehicle. It senses your location, like what road you're on, gets information on the speed limit for that particular road, and then monitors your speed.

utterance: OK, OK. So if I don't speed, then

utterance: So as long as you're within the legal speed limit, oh, and I should add that the phone does sense, or know when there is, like, road construction or something and there's a reduced speed. But as long as you're within the limit, you get a reduced premium.

utterance: OK, And if I speed? Do I get, like, penalized or something? Like, do my rates go up?

utterance: If you speed, then you lose the discount for six months.

utterance: OK. And does it affect let's say I get a ticket.

utterance: It can't help with that.

utterance: So I'd still, like, get a ticket.

utterance: Yes. So any moving violations you'd still be responsible for, in terms of the payment and the points on your driving record.

utterance: And then also the premium increase.

utterance: Yes, you'd have that, too.

utterance: OK. So, I do think I want to add that to my coverage. I mean, my policy.

utterance: Excellent! Let me just get that in here. OK, so your current policy is three hundred and nineteen dollars. That's based on six months, paying upfront for six months.

utterance: Yeah, I'd still like to do that.

utterance: So the new policy, with the extra coverage- still keeping the comprehensive and collision.

utterance: Yeah, yeah, still the same types of coverage.

utterance: So the same coverage on a Subaru Outback, twenty eighteen, with the Fast App.

utterance: And the airbags.

utterance: Yep, that's included! So the six-month premium would be four hundred twenty eight.

utterance: And if I lose the speeding, or not speeding discount?

utterance: Then it would increase to four hundred ninety two. And then after six months it'd return to four twenty eight if you keep the app.

utterance: OK. So when does it go into effect? Can I start it, like, today?

utterance: I can start the policy immediately if you'd like.

utterance: Yeah, could you? That'd be great!

utterance: And I'll get the new policy emailed to you. You'll need to have a copy of it, or basically proof of insurance to finish the registration.

utterance: OK, yeah. Thanks! I'll sort that out online.

utterance: It really is pretty simple! Suprisingly straightforward.

utterance: Whoa! .

utterance: Yeah, really! So I can post the policy to your online portal and also email it to you directly.

utterance: Great, thanks! #Uh email is S dot Boardman at gmail dot com.

utterance: Thanks! I'll get this sent to you right away. Is there anything else that I can help you with today?

utterance: #Uh, no. No, thanks. Thanks for your help!

utterance: You're welcome! You have a great day now.

utterance: Thanks, you too!


speaker_role: Agent

utterance: Hello, thanks for calling Rivertown Insurance. My name is Agnes. How can I help you?

speaker_role: Customer

utterance: Sorry I didn't get your name.

utterance: My name is Agnes.

utterance: Hi Agnes, my name is Rob.

utterance: Thank you for calling Rob, how can I be of assistance?

utterance: I would like to get a life quote.

utterance: Sure thing, I can help you with that.

utterance: Hmm okay. I'm gonna need a full breakdown.

utterance: Gotcha. we've got the term life insurance, whole life insurance and universal life insurance. the term life insurance is one of the most affordable types of life insurance you can buy. it provides coverage for a specific period of time or term. For example, five to ten years or to a specific age, let's say eighty. But once that term ends, so does your coverage. So that means, your loved ones won't receive a payment from your policy should you pass after the term ends.

utterance: And how much for the term life insurance?

utterance: The term life insurance goes for three-hundred dollars annually.

utterance: Okay noted.

utterance: next we got the whole life insurance.

utterance: Okay.

utterance: If you opt for the whole life insurance, this protects you for your entire lifetime.

utterance: Sounds a lot better that the term life

utterance: Yeah, this is gonna give you the confidence to know that the people you love are protected right now and even later when you do pass on.

utterance: Great.

utterance: Not only will it pay a benefit when you're no longer here, it also has benefits you can use while you're living because it builds a cash value over time.

utterance: Great. For how much?

utterance: Eighteen hundred dollars annually.

utterance: hmm sounds good.

utterance: yeah some of the benefits include guaranteed growth over time. Growth is tax-deferred and it can be used for anything at anytime so this gives you a safety net if you unexpectedly need access to funds.

utterance: Great. And the universal life insurance?

utterance: Right. The universal life policy just like the whole life policy, lets you build cash value. And also offers flexible premium payments, death benefits and schedules to fit your life and your budget. All while protecting your family with great coverage.

utterance: so what's the difference between the whole life insurance and universal life insurance?

utterance: With the universal life policy, you have the flexibilty to change the amount of life insurance protection you want and also the ability to- to control the amount and frequency of your payments.

utterance: Hmm and this goes for how much?

utterance: The universal life policy goes for twelve hundred annually.

utterance: how soon can I make a payment?

utterance: I'm gonna set you up right away. What life policy coverage will you be opting for?

utterance: Whole life.

utterance: Great choice. May I have your first name and last name, sir?

utterance: Robert Talman

utterance: Talman as in t. a. l. m. a. n.?

utterance: Right.

utterance: Next we are gonna need your birth date.

utterance: okay. My date is January the fifth, nineteen sixty nine.

utterance: January fifth, nineteen sixty nine. Gotcha, just a moment please.

utterance: Take your time.

utterance: Where are you originally from?

utterance: Baltimore, Maryland.

utterance: Next we're gonna need your sex, height and weight.

utterance: sex is male. I'm six two and I weight two hundred and ten pounds.

utterance: two hundred and ten pounds. Got it.

utterance: Have you got any preexisting medical conditions?

utterance: been diagnosed with osteoarthritis sometime last year however I exercise regularly so I'm perfectly fine as we speak.

utterance: Got it.

utterance: Kindly provide your e-mail address so the quote gets forwarded.

utterance: Oh okay. That'll be Robert dot Talman at gmail dot com.

utterance: Robert Talman at gmail dot com.

utterance: Perfect. How soon will I get the mail?

utterance: You will receive a mail shortly containing the quote and full details on the whole life insurance policy. Would that be all sir?

utterance: That'll be all for now. If I've got any questions I'll call right back or send a mail.

utterance: Perfect. Thank you so much for choosing Rivertown Insurance.

utterance: It's a pleasure.

utterance: Do have a great day ahead of you.

utterance: Thanks, you too. Bye.

utterance: Bye Bye.


utterance: Rivertown Insurance. This is Marisol.

utterance: Hi, Mar- Marisol. My name's Jacob Jefferson and I- I was ju- just in an accident.

utterance: Oh, I'm so-.

utterance: We- we're all OK but.

utterance: Do you need medical.

utterance: Yeah, no, sorry. We- we're OK, it's ju-.

utterance: Let's take a moment. Is there somewhere where you can sit down?

utterance: Yeah, I mean I no, I need to keep moving. Stand- walking. Just, you know, nervous energy.

utterance: OK, sure. So can you tell me about it when you're ready? And can you tell me your email so I can look you up?

utterance: Yeah, Sorry, I'm- I'm kind of out if it. I mean, I'm OK, we're OK, but, yeah. Email is j dot jefferson at gmail dot com.

utterance: No need to apologize, mister Jefferson. And just a second. Yeah, I've got your policy right here.

utterance: Yeah, yeah, thanks. #Uh, so we, my family, we were bringing our cat home from the vet.

utterance: Uh huh, OK.

utterance: And, man, my kid's, like, bawling. The cat's, OK. She was in her cage and it looks like she's OK, but yeah, my kid's bawling and the cat is probably pretty pissed. .

utterance: Oh, I am so, so sorry.

utterance: Yeah, so, we pulled out of the parking lot and this car, this pick-up, it's still here, the driver is being responsible and working with us and taking responsibility.

utterance: That's good to hear.

utterance: Yeah, she's a young kid, but she's yeah, she's here and we've exchanged information. So she ju- just I guess didn't see us or something. We pulled out of the lot and were at the stop sign and she just rear-ended us there, at the stop sign.

utterance: OK. And nobody's hurt? Everyone's OK?

utterance: Yeah, yeah, I think we're all fine. There's, like, nobody called nine one one or anything. We're just.

utterance: OK,

utterance: Yeah, shaken up. hang- hang on. I think my wife is on the phone to the vet. Just maybe to see if we need to bring the cat back just to check. She, her cage was in the back seat.

utterance: Oh no! I hope she's OK. Our fur babies are.

utterance: Yeah, she's yeah, OK, I think. We owe her, some extra treats.

utterance: That'll do it! And do you know if your car is drivable?

utterance: Well, yeah, I mean we, I think so. We drove it through the intersection and pulled over. But the door, the hatchback.

utterance: This is your Mazda two?

utterance: Yeah, it won't close in the back and it's kind of almost like folded or something. We've my wife has taken some photos.

utterance: OK. And you say you've exchanged info with.

utterance: With the kid? The other driver? Yeah, yeah. She seems to she's being responsible. Poor kid looks kinda shaken up, too. But yeah.

utterance: OK, OK, let's- let's get you taken care of.

utterance: Yeah, uh, thanks. Oh, it- it looks like my wife is just carrying the cat right back to the vet. We're we're still just across the street.

utterance: Oh, poor kitty! Yeah, she gets treats and snuggles.

utterance: Yeah! .

utterance: OK. So you've got some service options available. You're covered for towing and up to two weeks of a rental car.

utterance: OK, so what do I need to.

utterance: So first, we make sure the humans and the kitty are OK.

utterance: Yeah, yeah! I know, I mean, yeah, this kinda sucks, but you know, priorities. Yeah, yeah, we're good.

utterance: Yeah, so we check on that first! And then for your car. So if it's drivable you can take it.

utterance: Yeah, yeah, I'll see how it does. I mean I don't wanna be, you know, driving down the street with the hatchback open.

utterance: Yeah, sure, sure. So you are covered for towing. I can send you, text you the numbers of some local tow trucks.

utterance: Uh,, yeah, could you? Thanks!

utterance: Sure! So let's get you towed. And it looks like there are three or four garages within just a few miles of you.

utterance: Yeah, there's Tony's and some more.

utterance: OK, so if you have a favorite or a, well, you'd be covered at any of them. And you can you're covered for a rental car, so

utterance: Yeah, glad I added that particular coverage! .

utterance: Yeah, you never know when you're going to need it! I mean it's always sad to have to.

utterance: Yeah, yeah, but good to have!

utterance: Yeah, definitely! So a lot of garages will have their own vans, shuttles to take people home, but

utterance: So could we get a shuttle to the car- the rental car lot? And then we get the car from there?

utterance: Yep!

utterance: Cool, cool.

utterance: So we can get you a mid-sized sedan, a bit larger than your Mazda, from Lartz Rentals. And you've got, up to two weeks.

utterance: That sounds so- You know what? Just- thank you so much for talking me through this.

utterance: No problem, mister Jefferson! You know, we always hope not to have these things happen but we know they do, and then we just make sure to make things better for you.

utterance: Yeah, thanks. Thank you!

utterance: You're welcome! So I'm just- hang on- just now ordering you a car from the lot on Deal Street.

utterance: Yeah, yeah, I know it.

utterance: OK, so I've- I've got a claim opened for you now. You just check on your kitty and your family and then I'll send you some numbers for trucks, tow trucks.

utterance: OK, cool, thanks.

utterance: And, just- They should bill us directly so you shouldn't have to

utterance: OK, OK, that's good.

utterance: But sometimes, some companies work differently, so if they do want to bill you.

utterance: #Uh I guess we could cover it up front if we need to. And then would we add that to a claim? Or send somehow send you the bill?

utterance: Right, you would just go ahead and send the bill, send it here, to us, and we'd reimburse you the full amount.

utterance: OK, got it.

utterance: Yeah, but like I said, a lot of times they just send the bill straight to us. And Lartz, your rental car, I've sorted that, so you shouldn't even see a bill for it.

utterance: Oh, thank you so much! Oh, here's- it looks like my wife's-.

utterance: Is she back with the kitty?

utterance: #Uh, she's back, but no- no kitty. Hang on- Oh, she just left the cat there and we'll pick her up later. So, we don't have to put her in a tow truck and take her to a garage and stuff.

utterance: I bet she appreciates that! Even if she doesn't show it. And I'm sure she- she'll be glad to get back home.

utterance: Yeah, yeah! And then treats and more treats and her special favorite fish dinner.

utterance: Awww! Yeah , she deserves that! OK, so it looks like we've got a plan to.

utterance: To get us home!

utterance: Yep! So I'll- I'll go ahead and send you some phone numbers. I've got a few here. My personal recommendation is the first one, Rapid Rivers Towing. We've worked with them several times.

utterance: Yeah, yeah, I well I mean I know the name.

utterance: And remember you're covered, so if you do get a bill just go ahead and send it to me. But towing and rental are covered.

utterance: Yeah, thanks.

utterance: And then we'll get your Mazda fixed. And I am so glad that you're all OK, humans and kitty.

utterance: Yeah, yeah! Me too. Thank you so much.

utterance: No problem! And if you need anything or have any other questions, I'm here until six and then checking my email in the evening, so I'm here if you need anything.

utterance: Thank you so much, Marisol!

utterance: You're very welcome! Take care of yourself and your family and we'll talk again!

utterance: Thanks! Bye!

utterance: Bye!


utterance: Good morning. Rivertown Insurance. This is Jessica. How can I help you today?

utterance: Hi, Jessica! This is Gabi Miranda calling back about, pet insurance.

utterance: Oh, of course! And how is Pookie?

utterance: Well, actually it's Pookie and Nom Nom now.

utterance: Pookie and Nom Nom! .

utterance: Yeah, I- I don't even- Yeah, so someone named their cat Nom Nom. I wouldn't, choose it, but - so yeah, I went to get Pookie, and I guess someone had just turned in this- this, seventeen year old guy.

utterance: Oh, Nom Nom!

utterance: Yeah, yeah. And I guess Pookie just, she-.

utterance: She took to him?

utterance: Yeah! It's, I dunno, so it's like she thinks he's her grandpa or something, she kinda like, sits at his feet- his paws, and like stares at him. Like, gazes. And, I mean, I couldn't just leave him there, you know?

utterance: Oh, I love it! No, you had to take Nom Nom too! So are we covering Pookie and Nom Nom now?

utterance: Yeah, yeah! That's what I wanted- or yeah. And I yeah, so Nom Nom. He's, like, so old that I don't want to, I dunno, confuse him by changing his name!

utterance: Oh, yeah, no. He's Nom Nom!

utterance: So yeah, I mean, he's old, but the, vet- I've already, like, taken them both in- She said he was in perfect health.

utterance: Oh, excellent!

utterance: Yeah, I mean, perfect health for an old guy! Just, aches and pains!

utterance: Yep, it happens to everyone!

utterance: Yeah, kitties and humans!

utterance: Definitely! So did you have a chance to look through the materials.

utterance: Yeah, yeah, thanks! And I wanted to know if I, like, for example, got the basic, could I maybe add on just the wellness checks? Are there, like, individual pieces, uh, like services that I could add?

utterance: OK, so it sounds like that would be a a sort of, let's say, an a la carte sort of thing. So unfortunately we don't do that.

utterance: OK.

utterance: But you could- I mean you wouldn't have to choose the same policy for both cats.

utterance: So, like, the basic for one and the other, the #preferred for the other?

utterance: Exactly!

utterance: OK, so I've got, I mean, yeah, they're healthy, no pre-existing conditions. I've got some medical files, some documents. Should I send you those? Would you need to see them?

utterance: Yeah, so you could upload them into your portal.

utterance: OK, yeah. So they're free- they, no pre-existing conditions. They're healthy kitties!

utterance: Excellent! So yeah, you can upload those. Did you know which policy you wanted for them?

utterance: Yeah, you know what? I think- I mean, they're my little feline family. I wanna do- I'm gonna do the preferred for both.

utterance: Perfect! What a wonderful family!

utterance: Yeah, it tripled overnight!

utterance: How sweet! OK, so I'll get those policies drafted here. Just a second. I've just got to-.

utterance: Do you need, my email or anything to get my file?

utterance: Oh, no, I- I actually had it open! I was just checking to make sure that I had ticked the box for the, bundling discount.

utterance: Oh, cool! Yeah, I was gonna ask about that. About, like, when it starts and, I mean, especially with the car since I've prepaid it.

utterance: Oh, of course! So it looks like you're good through, November fourth, so let me just- Can you hold for a second while I, uh, input some numbers?

utterance: Yeah, sure!

utterance: OK, so yeah, you've, basically paid the full price for the next two months, through the fourth of November. So we would issue you a refund check for five percent of your policy for sixty days. So that would be- let's see. That would be twelve dollars and eighteen cents.

utterance: Oh, OK,

utterance: Not a whole lot, but then your next six-month payment would decrease.

utterance: Twelve more bucks for cat treats!

utterance: Exactly! And your policies for Pookie and Nom Nom what a great name! Yeah, those would just start at the reduced rate.

utterance: OK, got it. So would they, like, get insurance cards? I've never even, well I guess I don't go to vets very often. I mean I guess I will now, but I've never heard them even ask about insurance.

utterance: Uh huh. So, yes, they would get insurance cards. Tell them to keep them in a safe place! No, seriously, yes, they will get cards, and if something does happen to them, you can always just reprint them from your portal. Your online portal.

utterance: OK, yeah. Cool.

utterance: And so it's not terribly- I'm not sure how many pet owners, or companions, I should say, are carrying insurance these days. I suppose I should, but we just- I mean, there just isn't always up-to-date statistics. So yeah, it's not super-common, so vets don't always ask. But just

utterance: Show them the card?

utterance: Yeah, yeah, exactly.

utterance: Like, at the beginning of the appointment?

utterance: Yeah, I- that's what I would recommend, especially since your coverage will include any initial appointment fees.

utterance: OK, yeah. Makes sense. And can I also, could I, like, change coverage at some point, if it seems like, I dunno, like Pookie is super-healthy and like never needs to see the vet? Would it be, like, easy to change that?

utterance: Yeah, yeah, you can- yeah, it's no problem. You could either wait until your next payment comes up or even do it, for example, in the middle of a payment period. And then we would issue a refund.

utterance: For the, extra amount?

utterance: Yeah, exactly, for the difference in price between the preferred and the basic for that billing period.

utterance: More funds for cat treats!

utterance: Exactly! Do you have any other questions about the policies?

utterance: no, no, I think I'm good. So yeah, we're gonna go with the preferred for both of them. And can I submit my payment online? I already do that for the auto. Can I do it for the kitties too?

utterance: Absolutely!

utterance: Cool! Just so- it's just so much easier that way.

utterance: Yeah, yeah. No, I agree.

utterance: OK, so yeah. I'll get that sorted out. And it'll be monthly.

utterance: No problem! So I'll go ahead and get these policies finalized. Would you like the coverage to begin today?

utterance: yeah, please.

utterance: OK, done! And I'll go ahead and drop them here in your portal. And I think I've got your email here. Is it Gabi Miranda at gmail dot com?

utterance: Yep!

utterance: Excellent! So I've posted them and I've just- there it goes. I just emailed them as well. So they are effective immediately.

utterance: Cool! Thank you so much!

utterance: No problem! Can I do anything else for you today?

utterance: #Uh, no thanks. I'm good. Thank you!

utterance: You're welcome! And congratulations on your new

utterance: My feline family! .

utterance: Pookie and Nom Nom! Take care, Gabi, and have a great afternoon!

utterance: Thanks, you too! Bye!

utterance: Bye!


utterance: Hello! Rivertown Insurance. This is Michelle.

utterance: Yeah, hi. I'm- I'm, buying, or looking for a car now and just wondered about, like, different insurance policies. Like I know there's comprehensive and the full coverage.

utterance: Collision.

utterance: Yeah, so I was wondering about the differences and if there's, like, something else I should consider.

utterance: I can certainly help you! So do you know what kind, what make, model, and year of car you'll be getting?

utterance: #Uh, no, not yet. I mean I'm still kinda, you know, looking around and like getting recommendations and stuff. But it'll probably be a truck. A pick-up.

utterance: OK, no worries! I know it does take time. But it is something that will affect your insurance premium.

utterance: Like, would a newer truck cost more? Like that sort of thing?

utterance: Yeah, yeah. So generally, yes. A newer vehicle generally- basically, the higher the value of the vehicle, the more coverage you would need because of the higher cost if anything were to happen to it.

utterance: OK, so yeah. I'll I mean I hope to find something this month.

utterance: Sure! Yeah, it does take time. So as to the comprehensive and collision.

utterance: Yeah, are they both, like, required? Do I need them to be legally insured?

utterance: No, not-. So basically collision, just like it says, is for mainly accidents. So not just hitting another car but also something like hitting a tree. Basically, colliding with something.

utterance: OK, yeah.

utterance: And so it would get you the most kind of basic, bare-bones coverage, so you'd be legally covered. So comprehensive covers quite a bit, more.

utterance: So, like, theft and stuff?

utterance: Yeah, yeah, exactly. Or vandalism. Or if something, like a tree, falls on your vehicle. So hitting a tree is different from a tree falling.

utterance: Yeah, yeah! .

utterance: And it's not legally required, but you should keep in mind that if you are financing, so borrowing from a bank or something, they could require it.

utterance: Yeah, no, sure, yeah.

utterance: So that's in a nutshell, those are some of the differences. We do often bundle them together.

utterance: Yeah, comprehensive and collision?

utterance: Yeah, you often, hear them as a package. It's really common to get both.

utterance: And so even if I get both, are there, like, different amounts? Like I pay more for higher coverage? Or I maybe pay less at first but then, like, I have to pay more for, like, repairs or something?

utterance: Yes, exactly. The higher the premium, the amount you would pay monthly or annually, the lower the deductible, the amount that you would have to pay if something happened. And vice versa. And there are pros and cons to both.

utterance: OK, yeah. And could I, like, choose? Like, could I decide to have a higher premium and a lower de- deductible?

utterance: Absolutely! We offer a few different plans with different overall amounts of coverage, and even within each plan there are a few options for premiums versus deductibles. I can put together some options, some different plans, and send them to you.

utterance: Yeah, cool, that would be great!

utterance: Yeah, it's no problem! Could I get your name, your full name, and email address?

utterance: Yeah, Jaxon- that's j. a. x. o. n. Pfeiffer. P. f. e. i. f. f. e. r. Email j dot pfeiffer at gmail dot com.

utterance: Excellent, thank you! So I'll put together some information. There are a few other features, things that could help with the premium.

utterance: OK, yeah, I'd, be interested.

utterance: So like I said, the model of car, the car itself. There are some safety features. And a lot of them are fairly standard these days.

utterance: Like air bags?

utterance: Yep, that's the biggie. Pretty common these days, and if you do have them, if your car does have them, especially dual air bags, there are some savings.

utterance: Yeah, yeah. I'll make sure to- I mean, yeah, I think every car I've ever had has had them.

utterance: Yeah, they're pretty standard now.

utterance: What about, like, new technology, like those cars that show you, show you what's behind so you can reverse? Or they like beep if you get too- too close to.

utterance: Yeah, yeah, I've- I've had a lot of calls about those. The sensors. And unfortunately, we don't offer a discount for those.

utterance: Really?

utterance: Yeah, yeah. I know, I just read about how effective they are, but remember that the car itself can be a factor, and stuff like that- if there is an accident, those sensors add to the cost of repair.

utterance: Oh, yeah, I get it. OK, well, I'm I know how to back up! .

utterance: Yeah, yeah! No, there's no replacement for good driving!

utterance: Yeah, yeah. No, my record is totally clean. I had like one parking ticket when I was sixt- seventeen, but then a totally clean record.

utterance: Excellent! Not everyone can say that! And yeah, a clean driving record, helps!

utterance: Yeah, yeah. No, I- I had a good teacher. My dad. Totally strict. Like, wow. Just- I mean, I couldn't even like have a pinky out of place on the steering wheel.

utterance: Good job, dad! .

utterance: Yeah, totally!

utterance: So yeah, a clean driving record of course gets you a lower rate, a lower premium.

utterance: And are there any, like, good driver discounts while I'm driving? I mean, like, if I keep my record clean, are there any discounts? Like for no speeding tickets or distracted driving or anything?

utterance: Excellent questions! I'm glad you asked! As a matter of fact, we do! It's called the Fast App.

utterance: Fast Track?

utterance: No, Fast App. It's a- an application for your phone.

utterance: Oh, right! Got it.

utterance: So it works basically by tracking your speed. So you download it and just keep your phone somewhere in your car.

utterance: Without touching it!

utterance: Exactly! It just needs to be there. It tracks your speed and also it's got a new feature, the newest version, that also tracks touching. Like if you touch your phone.

utterance: Yeah, dad taught me about that, too.

utterance: Cool, cool! Yeah, basically if the app senses that you're speeding or you've touched your phone, it sends a notification to your online portal. #Uh, which we will help you set up when you start a policy.

utterance: Uh huh, OK.

utterance: So the notification goes to the portal, so you get an online record of it, and

utterance: You do, too?

utterance: Yep! But as long as there aren't any- aren't any notifications, you get a discount on your premium.

utterance: So I would just lose the discount if there were any dings? Notifications?

utterance: Yeah, yeah. Your rate goes up for six months.

utterance: And would that be, like, on top of whatever, like ticket or fine? Like I would get dinged by the d. m. v. and also pay more for insurance?

utterance: Yeah, yeah. So unfortunately there would still be the moving violation fees, the extra points on your driving record.

utterance: OK, OK. #Uh, let's see. I had a a list of questions here.

utterance: I hope I've addressed them!

utterance: #Uh, yeah, me too! I can't find the the darn thing. .

utterance: Yeah, yeah! I can relate! Like grocery lists. I always leave them on the kitchen table.

utterance: Yeah, no, when I do that, I just I take it as a sign to just buy snacks and stuff. .

utterance: I should try that! So let's see. So there's comphrensive and collision, there's the actual car itself, like it's value. There's the human factor, like how safe a driver you are. And then we have our Fast App.

utterance: Yeah, yeah, sounds good.

utterance: There is another thing to consider. If you bundle.

utterance: That's, like, if I have more than one kind of insurance?

utterance: Yeah, exactly. So if you bundle, for example, you get a car policy and a homeowner's policy.

utterance: Yeah, no, I rent. I wish, I wish.

utterance: Yeah, I get it. Or a renter's policy or pet policy. There's a five percent discount for bundling any two of those.

utterance: I'm actually in a an apartment now. Could I maybe dig up my policy and give you a call?

utterance: Absolutely! There's no rush. The discount would kick in as soon as you got a second policy.

utterance: So no need to do them at the same time?

utterance: Nope, not at all.

utterance: So I could, like, get a policy for my truck and then look at my rental, renter's insurance later? Like maybe in a month or so?

utterance: Exactly!

utterance: Sweet! Sounds good.

utterance: So I'll get some information sent out to you. #Uh, rates, different plans, et cetera. Different options for discounts.

utterance: Cool, thanks!

utterance: Is there anything else I can help you with today?

utterance: No, no thanks. Unless, know anyone selling a pick-up? .

utterance: Sorry! My neighbor actually just sold hers last week. Chevy Silverado.

utterance: No worries! Yeah, I'm thinking about maybe a Silverado.

utterance: Good luck with the truck shopping! Just go ahead and give me another call or an email if you have any other questions.

utterance: Cool, thanks! Have a good day.

utterance: Thank you! You, too.


utterance: Rivertown Insurance. This is Marisol.

utterance: Hi, Marisol. This is, Jacob Jefferson calling. The- the guy with the cat. You,

utterance: mister Jefferson! Your poor kitty! How is she?

utterance: She's well, she got some new toys and stuff! We think she has forgiven us. And I mean, I called back when we got your card and treats and catnip and stuff, but.

utterance: I hope she liked them!! Yeah, we need to keep our kitties happy!

utterance: Yeah, I mean, so when you were out on vacation I called your regional manager to tell her how much you helped. I, we all just, I mean, my boy's face when he saw. I think he was happier than the cat!

utterance: Oh, you didn't have to! But, wow! I'm so glad it helped.

utterance: Yeah, totally. It- yeah.

utterance: It was so good of you to call!

utterance: Actually, I'm also calling because our homeowner's policy with Lakeview is expiring and we wanted to transfer it establish a new policy with you.

utterance: Oh, wonderful! I can definitely help with that!

utterance: Yeah, I mean, I- you just- you really helped us, so it was a no-brainer.

utterance: Aw, thanks! I was happy to help. And worried!

utterance: Yeah, yeah. That day was pretty miserable. But, you know.

utterance: Yeah, things happen!

utterance: Yeah, so.

utterance: Yeah, let's- let me get some information from you. I've.

utterance: Do you need my policy number or- I've got it here.

utterance: #Uh, no, not- well, it'll be a different number since it's for a or will be for a different policy. But how about your #phone number so I can- or email.

utterance: Five three two, phone number five three two.

utterance: Uh huh.

utterance: Nine nine one.

utterance: Nine nine one.

utterance: Eight oh seven four.

utterance: Eight oh seven four. Thanks! OK, so I've got your address as three three five Maple Street, correct? And how many square feet is your house?

utterance: I should know that. It's about fourteen- thirteen ninety or something. And yeah, we're on Maple.

utterance: That's fine! And any external or accessory units, anything like an external.

utterance: #Uh, the garage.

utterance: Yep, those count. And greenhouses, storage sheds, basically any other structure.

utterance: Not a greenhouse. Not yet. That's on the list for a summer project one of these years! .

utterance: Oh, sounds fun! From a kit?

utterance: No, we'll build it all ourselves. With all of the appropriate- all of the permits! .

utterance: Of course! And then the fun begins when you get to grow all your own food!

utterance: Yeah, we'll have to - I mean, I don't have a green thumb or anything.

utterance: Oh no! Well, maybe all you need is a fresh start in a new garden space.

utterance: I hope so!

utterance: So any other storage sheds or anything? Or a fence?

utterance: We have one of those Strong Shed pre-built sheds.

utterance: Oooh, those are good! Nice and sturdy. Yep, we cover those. So the house, the garage, and the storage shed?

utterance: Yeah, yeah. no fence. Just lots of arbor vitae.

utterance: Oh, nature's fence! .

utterance: Yeah, yeah! And so far I haven't killed them yet!

utterance: Excellent! That bodes well for all of your future flowers and veggies.

utterance: I hope so! So we were wondering about adding earthquake insurance as well.

utterance: Yeah, yeah, a lot of I've been getting a lot of calls and questions. It's definitely more common to include it these days. I could give you a couple of quotes, one with and one without.

utterance: Cool, thanks!

utterance: Sure! And it looks like you're- Maple Street isn't in a flood zone, so you're good there.

utterance: Yeah, by like half a block! The other end is. So, yeah, we got lucky.

utterance: Definitely! Yeah, last year's floods- sorry, I'm talking and typing at the same time so

utterance: Yeah, yeah! No worries! Yeah, last year, man, I seriously wanted to like just paddle down the street.

utterance: Yeah, that's one way to get out of the house! Yeah, that was a mess. OK, so I've got some preliminary quotes here.

utterance: Cool, cool.

utterance: And I did consult I checked online for an estimate of your property's current value to see how much coverage to include.

utterance: Yeah, it's going up. I mean, we don't wanna sell or anything, but man! Horrible time for anyone to be trying to buy a house right now.

utterance: Yeah, yeah, the time to buy was ten years ago!

utterance: Yeah, it's pretty insane. .

utterance: Yeah, definitely! So I've got a value of seven hundred thousand for.

utterance: Seriously? Whoa! That went up.

utterance: Yep! So it's great if you do want to sell, but.

utterance: Yeah, insurance rates go up.

utterance: Yeah, that's the down side. But you do get a discount for bundling, since you do have your auto policy with us. So the premium would be twelve hundred dollars.

utterance: That's less than Lakeview!

utterance: Excellent! Yeah, that's with the bundled policies and approximately fourteen hundred square feet with a detached garage and shed.

utterance: And the earthquake.

utterance: Oh, yeah! And the earthquake coverage. It's a thousand eighty without. And that's the annual amount. It does increase if you want to pay monthly.

utterance: No, no we've we always set some cash aside every month so that we can pay the whole year.

utterance: Oh, nice! Yeah, it does- it does help. So when does your current policy expire? I mean, when do you want to start the new policy? Do you want to stay with your.

utterance: #Uh, three weeks. Three weeks-ish. The nineteenth.

utterance: OK, so you could keep that and start fresh on the twentieth or start on any date before that and I could send a notice of cancellation.

utterance: Yeah, uh, no, I think- I think we'll just keep it, until then, the nineteeth. Cause otherwise you, we'd have to.

utterance: Send a notice with the effective date and then they'd send you a refund for the amount that you had prepaid.

utterance: Yeah, that would be like just a few weeks. Seems kind of a hassle for just, like, what, twenty bucks or something.

utterance: Yeah, it can take a while for those things to process. So then, I'll set this to start on the twentieth. I can email you a provisional copy. And I probably asked you this before, but are you set up on our online portal? Or can I help set you up?

utterance: Yeah, yeah! Sorry, I should have said- I have it open in front of me right now.

utterance: Great! So you'll see a you document in your inbox, I mean on the platform, and then you'll get a, an automated email as well.

utterance: Yep, got it! The interwebs are so fast!

utterance: Glad I'm not the only one who calls it that!

utterance: Yeah, my kid just like rolls his eyes at me. Dad trying to be funny!

utterance: But yeah, so convenient! You have a copy of it.

utterance: Yeah. And I do the auto-pay for my car, so could I

utterance: Yep, you can do the same for this one. It'll prompt you for monthly or annually, so just make sure to do the annual one.

utterance: Yep! I definitely want that discount.

utterance: I totally understand! Is there anything else that I can help you with today?

utterance: No, no. I'm good, thanks. And thanks again for your help back in April.

utterance: No problem! I was, I am happy to help!

utterance: Thank you! Have a great day!

utterance: Thank you! You too!


utterance: Good morning. Rivertown Insurance. This is Jessica. How can I help you today?

utterance: Good morning! I have- currently have a policy with you and was looking into #getting a cat.

utterance: So are you looking into coverage, or exclusions on renters' insurance?

utterance: #Uh, oh, no! Sorry, I wasn't clear. No, it's- I wanted some, information on your pet insurance policies. And information on packaging, or bundling.

utterance: Oh, of course!

utterance: Sorry, I already have my car insurance with you and was hoping to package, or, bundle them, I guess.

utterance: Certainly! Can I get your full name and date of birth, please?

utterance: Sure. Gabi Miranda. That's g. a. b. i. Miranda is m. i. r. a. n. d. a. Date of birth January second nineteen seventy five.

utterance: Great, thanks! OK, yeah, so you've got your Mazda three covered and are looking into pet insurance.

utterance: Yeah, yeah. I went to Hilltop, the shelter- the animal shelter yesterday and

utterance: Found a friend?

utterance: Yeah! And so I'm gonna go back like today to bring her home.

utterance: Oh, that's wonderful! What kind of cat is she?

utterance: She's mostly a mackerel. #Uh, mostly. Kind of a street cat, I guess.

utterance: I love it! Oh, they are so deserving of homes! How wonderful, how wonderful of you.

utterance: Yeah, so I've been kitty-proofing my home!

utterance: There's no end to, like, what they can get into! So have you had pet insurance before?

utterance: No, never. She'll be my first little kitty. My first pet.

utterance: Oh, how perfect! OK, so I can give you a general overview so that you know generally how it works, what it covers, et cetera.

utterance: Great, thanks! Yeah, I- I've just been, like, googling it, but I've, you know, never needed it before.

utterance: Of course! So basically we offer two tiers of coverage. First of all, I've gotta warn you that they do both exclude pre-existing conditions.

utterance: Yeah, so I'll, like, get her set up with the vet here, I mean take her in and get her checked out.

utterance: Excellent! How old is she?

utterance: #Uh, we're- they're not entirely sure.

utterance: Yeah, a street cat!

utterance: But I guess they, like, looked at her teeth and stuff and it looks like she's about three.

utterance: A little lady!

utterance: Yeah, my little princess! So hopefully no, health problems yet.

utterance: Hopefully not! So those are excluded. And our higher coverage does include your standard wellness checks, like for routine vaccinations and that sort of thing.

utterance: Wait, so that's not covered normally?

utterance: #Uh, not in the basic package. It's not typically included because it's, well, you could say just part of the cost of pet ownership. But we did hear from several clients who wanted it, so we created the second tier of coverage.

utterance: Oh, OK. So what does it cover?

utterance: So the main things, and the reason why I recommend it, is for the illnesses, accidents, and chronic illnesses. So for a lot of kitties, things like kidney disease.

utterance: Oh, yeah, that's a nasty one.

utterance: Yeah, it is. So we would cover that, assuming.

utterance: She doesn't already have it?

utterance: Yeah, exactly. And other things, other illnesses or accidents are covered.

utterance: OK, yeah, so what are the different, like, costs and out-of-pocket costs for the two levels?

utterance: So for the basic tier, the monthly fee is forty bucks, but if you pay the whole year upfront, it's three ninety.

utterance: Is there a option for six months? That's what I've got for my car.

utterance: I'm sorry, but for pet insurance there's just monthly or annually.

utterance: OK.

utterance: And at that level the deductible, so your out-of-pocket expenses, is three hundred dollars. And so coverage, that's one hundred percent coverage, kicks in after that.

utterance: OK, so forty bucks for the well, the lower level.

utterance: Yeah, and for the second tier, so that's the one that includes your, her annual wellness exam and your standard vet fees, so whatever the walk-in cost would be.

utterance: Oh, so, like, the normal appointment cost?

utterance: Yes, exactly. So that would be included. So the monthly fee for that one is fifty five dollars, with a deductible of two hundred fifty.

utterance: OK, and what would the annual rate be, if I decided to pay it all at once?

utterance: It would be- let me check here. Can you hold for just a- OK, It would be four hundred eighty dollars.

utterance: OK, OK.

utterance: Oh, duh! Of course, there's one- you know, I forgot to add your bundling discount!

utterance: Oh! Yeah, I have my auto policy there.

utterance: Yeah, that's a five percent discount for both policies! I mean auto and pet, for either- so regardless of which pet policy you choose.

utterance: Cool! So how, I mean, when should I, get her signed up?

utterance: I can start writing up a policy for you today. Just keep in mind that she will need a clean bill of health.

utterance: Yeah, yeah, I'll call the vet and set her up.

utterance: Do you have a name for her yet?

utterance: You know, for some reason, when I met her, she just looked like a Pookie.

utterance: Pookie! How cute! So I can- you know what? I can draft two example documents for you. So, like, one at the basic tier and one at the second tier. That way you can compare them.

utterance: Great, thanks!

utterance: So I can do that. And I'll send you some basic information, just some documents we've got on, let's say the basics of pet insurance, the reasons for some of the coverages, just for some background for you.

utterance: Thanks! I appreciate it. My email address is Gabi Miranda- so just first name, last name- sorry, Gabi Miranda at gmail dot com.

utterance: Great, thanks! So I'll get that information, those documents, out to you today. I'll also post them to your online portal here. And so when you get Pookie home and settled, you can give me a call back and we can go from there!

utterance: Thank you!

utterance: Is there anything else I can help you with today, Gabi?

utterance: #Uh, oh, no, no thanks! Thank you for your help. I'll go bring little Pookie home, get her calmed down.

utterance: Aw, get her settled into her new home!

utterance: Yeah, yeah! Let her choose all of the most comfy chairs to hog!

utterance: Yep, yep, her comfort is

utterance: of the utmost importance!

utterance: Of course! So when you get your kitty settled and comfy, go ahead and give me a call back. I'm here until six today, or you can leave a voicemail after that.

utterance: Great, thank you! I'll give you a call. Thank you for your help!

utterance: You're very welcome! You have a great day, and welcome to Pookie!

utterance: Thanks! Bye.

utterance: Bye!


utterance: Good morning. Rivertown Insurance. This is Jessica. How can I help you today?

utterance: Hi, Jessica! This is Gabi Miranda. I've got a policy- a couple of policies with you.

utterance: Right! Pookie and Nom Nom!

utterance: Yeah, yeah! .

utterance: How are they?

utterance: #Uh, actually.

utterance: Uh oh!

utterance: Yeah, so, actually, Pookie's fine. But Nom Nom.

utterance: Oh no!

utterance: No, no, he's- I mean, he's sorta OK. #Uh, he's not- he's still with us! .

utterance: Oh my god, that's a relief!

utterance: Yeah, definitely. But he, had a- a bit of an accident.

utterance: Poor guy! What happened?

utterance: And I'm gonna-.

utterance: Is he gonna need medical care?

utterance: Yeah, yeah. He, well, we've- I've already taken him to the vet. He's, gotta go back, though.

utterance: OK, so we're gonna need to- hang on, can you tell me your email again so I can- and, date of birth? Then I can just.

utterance: Gabi Miranda at gmail dot com. And January second, nineteen seventy five.

utterance: There we go! OK, I've got you- your policy here. So what happened to the little fella?

utterance: Well, so- so he's, surprisingly, like, ridiculously athletic for an elderly kitty. Pookie, she's not- not a problem at all.

utterance: Oh, that's good to hear!

utterance: Yeah, yeah. Being a street cat and all. I thought she'd, like, be all over the place. But no. She knows her home and stays put. But Nom Nom. Man!

utterance: Active guy?

utterance: Yeah! So he figured out how to get on top of the fridge. No idea how. I just, like, came home one day and there he was. No problem. Until one day I guess he, like, well, he didn't stick the landing.

utterance: Oh no! How bad is it?

utterance: Well, so I took him to the, - oh, yeah, another thing. I forgot to grab his card, his insurance card.

utterance: Oh, so did you

utterance: Yeah, so I paid the- the co-pay.

utterance: No worries! We can sort that out. Remember that you're covered for that, for appointmet fees. We can definitely reimburse that for you. Just, do you have a receipt for it?

utterance: Yeah, yeah. Should I mail it.

utterance: You can, but you can also post it to your portal. Just take a picture of it, a clear picture, and upload it.

utterance: Awesome!

utterance: Yeah, so that's one less worry! So is Nom Nom still at the vet?

utterance: #Uh, no. He's- he's home now. But he's gotta- he's gonna need surgery and probably a cast.

utterance: Oh no! Poor little guy! So that is covered, I mean one hundred percent covered, under your plan.

utterance: Yay! Yeah, glad I upgraded! Otherwise he- I dunno, he woulda had to find a job or something.

utterance: Well, he won't need that now! He can just rest and recover.

utterance: Yeah, maybe a bit somewhere a bit less elevated.

utterance: OK, so I'm- I've got a claim open here for you.

utterance: Oh, can you- I mean I thought I had to-.

utterance: So I usually get them started. You know, people are sometimes, a bit- a bit stressed when they call, so I usually get them started. But I do need to, well I can send what I've got to you and you can add, edit, just make sure to

utterance: Tell Nom Nom's story? .

utterance: Exactly! The Adventures of Nom Nom!

utterance: Or, misadventures! Get a cat, they said. It'll be fun, they said. .

utterance: I'm sure he'll learn something from this! So, yeah, I've got this open here. So I'll send what I've got.

utterance: Thanks!

utterance: No problem! And you can see if I've accurately captured his experience. So you'll have to wait until after.

utterance: After the surgery?

utterance: Yeah, after. There's no claim until there's a a bill!

utterance: Uh, yeah. Makes sense!

utterance: When is the surgery scheduled for?

utterance: It's tomorrow. They estimated that it would be about twelve hundred bucks.

utterance: Yeah, that- that sounds about right. But you won't have to - well, you'll be reimbursed for the full amount.

utterance: And I'm- I'm gonna make sure to have his card tomorrow! .

utterance: Good call! That way your initial appointment fee is taken care of.

utterance: And any meds? And, would- is he covered for, like, follow-up appointments?

utterance: All covered!

utterance: Cool! Yeah, I imagine he'll be, flying high for a while! .

utterance: Poor kitty! OK, so I've- you'll see the, let's call it a draft of the claim. And I'll also email it to you.

utterance: Thank you!

utterance: No problem! And just be sure to post that receipt, the one from his- his first appointment.

utterance: Done! I was uploading it just now.

utterance: Multi-tasking! Oh, yeah, I see- I see it here. Looks good. So it takes three to five business days, so today is Thursday.

utterance: So some time next week?

utterance: Yeah, yeah. You'll get a reimbursement check in the mail for the full amount.

utterance: Thank you!

utterance: You're very welcome! Is there anything else I can do for you today?

utterance: #Uh, no, no thanks. So I just, I'll just make sure to check and finish the claim and send, or I guess post the receipt.

utterance: Sounds good! And please do give my warmest regards to Nom Nom. And, and Pookie, too!

utterance: Will do! Thanks again for your help!

utterance: No problem at all! Have a great day!

utterance: Thanks! You, too!


utterance: Hello! Rivertown Insurance. This is Michelle.

utterance: Hi, Michelle. This is Marisa Baker calling. I've got a family policy with you and my daughter ju- just had an accident. I, my policy number is two three eight four seven nine, then the letter V as in, violet, P as in pink, then six two two.

utterance: Oh no! That was your daughter Vanessa? Is she-.

utterance: She's OK. They're all OK. She hit this- this family as they were leaving the vet. I think they've got their cat with them.

utterance: OK, it's great that she's, that everyone is OK. Did you- sorry, are you with her now? Did you or she need am ambulance or.

utterance: No, no. no, I'm not with her. She just called me.

utterance: OK, OK. Could you- #Uh, could you just confirm your date of birth for me?

utterance: Yeah, October third, nineteen eighty. Yeah, so she exchanged information- insurance information and contact and stuff, with the guy, the other driver. But she said she didn't call you.

utterance: No, I don't see anything. Did she say what happened?

utterance: Yeah, yeah, it- I mean, it sounds like it's- it was completely her fault.

utterance: OK,

utterance: She swears she wasn't on her phone or anything. And that, speed app could-.

utterance: Yeah, no, I don't see, there are no alerts or anything on the Fast App report.

utterance: So yeah, at least she was following that rule. Maybe the only one she was following. Sorry, I- I'm just.

utterance: It's OK, missus Baker. I'm here to help you in any way I can.

utterance: Tha- thank you. Yeah, I- I'm just a bit miffed now. She was, I dunno, listening to music or something and just- oh, and she was alone in her car. No friends or anything. She ju- just wasn't paying attention.

utterance: OK. And what happened with the other vehicle?

utterance: Oh, yeah. I guess I haven't even gotten to the actual accident yet. So they were at a stop sign just outside the vet, and she ju- just rear-ended them. I mean she- she says she wasn't speeding, and I guess you- we could track that.

utterance: Yeah, again, no alerts, so her speed was fine.

utterance: OK. So- I need to ju- calm down, I guess. I mean, she's OK, and that- that's- I mean, they're all OK, since there's other people.

utterance: Yeah, that is the good news.

utterance: OK, so how do I- what do I- I mean, what do I do now?

utterance: Do you know if the car is drivable?

utterance: Yeah, I- I think so. The other one's kinda messed up, she says, but she says it's just the- the licence plate that's kinda bent.

utterance: OK, so no need for a tow to a garage? Because that's covered.

utterance: #Uh, no, no, thanks. No, her- my husband's on his way. He's gonna bring it home and look at it.

utterance: OK. If it turns out that there's a problem, just let me know and I'll get you a car.

utterance: Thanks. Thank you. And- I mean, I don't think we'll need a garage or mechanic or anything like that.

utterance: OK, OK, good. So.

utterance: And,

utterance: Yes?

utterance: So there's I guess minimal damage to our car, a bit more to the other, and I'm also kinda worried about the damage to our policy. Our premium. It'll go up, right? And, stay on our file?

utterance: So it does have an impact.

utterance: Yeah, I'm bracing myself. You know, my baby girl's OK, the other family is OK. Well, their kid was apparently really upset about his cat, but even the cat is OK. And maybe I shouldn't even be, like, thinking about money now, but .

utterance: That's totally understandable, missus Baker.

utterance: Oh, it's, please, call me Marisa.

utterance: Well, Marisa, yeah, I know, we wanna check on everyone first, make sure they're, safe, but yeah, I get it, these other concerns don't go away.

utterance: Yeah, Yeah. So, could you tell me how ba- how bad it will be?

utterance: So it will increase your premium by about thirty three percent.

utterance: Ouch!

utterance: Yeah, it- it does go up a bit. So your current premium of nine hundred and twelve dollars would increase to twelve hundred thirty. And that's if you still pay it

utterance: Twelve hundred! Jeez! But- sorry, I- I'm not mad at you. It's ju- Ouch! But yeah, we- we'll keep paying it upfront. #Uh, six months at a time.

utterance: Yeah, that does help. And it's totally OK. I, get the frustration.

utterance: Yeah, that kid's gonna- Calm down, mama. Your baby girl's OK. .

utterance: Yes, and that's important!

utterance: Yeah, and sh- well, she just got a part-time job, and looks like she's gonna be giving some of her paycheck to mom.

utterance: Good for her for getting a job!

utterance: Yeah, yeah, sh- she's, working for the city. Doing park maintenance. Basically gardening and pulling weeds and stuff. Just an after-school thing, fresh air, exercise, and a bit of spending money.

utterance: That she'll be giving to her mom!

utterance: Yep! Yes, she will! .

utterance: So there is some, well there may be some good news. The rate increase isn't permanent. We reevaluate after twelve months.

utterance: OK, so she'll be eighteen then, but I imagine we'll still carry her on our #premium. Our, policy.

utterance: Yeah, so if she's still on your policy and she keeps a clean record, so no tickets, no accidents or moving violations.

utterance: She'd better!

utterance: So if she does, then that thirty percent increase disappears.

utterance: Oh, awesome! Yeah, she- well, we'll be having a talk with her about, focusing, and hopefully she'll learn from this. She was really upset, so I think she might be kinda receptive to a talk from mom and dad.

utterance: I remember getting a similar talk from my dad when I was sixteen!

utterance: Yeah, yeah. I, remember some of the stupid stuff I did as a kid. And, I mean, she didn't do anything, actively stupid. Just wasn't paying attention. I guess she was just, I dunno, passively stupid or something.

utterance: Yeah, she's at that age! We've all been there!

utterance: Yeah, yeah. So, how should I, proceed?

utterance: So if she's, exchanged information with the other driver.

utterance: Yeah, she did.

utterance: Great! So we'll get in touch with the other driver's carrier and get a report filed. And the rate increase will kick in on your your next payment.

utterance: OK, OK. So we've, I mean, she's got some time to get some money set aside. She might have to miss a concert or two, or something.

utterance: Oh no!

utterance: Yeah, well, it's- I mean, she can't really complain. So do I need to, do anything?

utterance: Not at the moment, Marisa. I'll, be in touch with the other driver's insurance and then I'll post the report to your online portal. And I can also email it to you.

utterance: Thanks! Do you have my email address?

utterance: Yeah, I've got it here. Marisa baker at gmail dot com. Is that it?

utterance: Yeah, that's it.

utterance: Great! So I'll get that sent to you within three business days.

utterance: OK. Thank you so much for your help!

utterance: You're very welcome! And remember- just go ahead and call me back if you do need a tow or anything. I'm here until six today.

utterance: Great, thanks! Have a good day.

utterance: Thanks! You, too.


utterance: Good morning. Rivertown Insurance. This is Jessica. How can I help you today?

utterance: Hi! Yeah, I, wanted to ask about your, apartment insurance.

utterance: Certainly! Are you looking to cover the property, or are you a renter?

utterance: #Um, I'm, I will be renting.

utterance: OK, so we're looking at renters insurance. I can definitely help you with that! We have a few different coverage options that.

utterance: Does it, like, matter if I haven't, found a place yet? Because I, like, submitted some, rental applications to, like, three places.

utterance: It's fine! You don't need to have an apartment just yet. We can, look at some different policies and see what you need. And generally we would set the start date for your first day on the lease, or your move-in date.

utterance: Cool! So, OK, like, me and my friend are getting a place together, so, like, would we, or could we, share a policy?

utterance: We generally advise against that unless you're, living with a spouse or partner or family member, someone who you might have shared possessions with.

utterance: Oh, so I should, like, have her call you, too. OK, yeah.

utterance: We can definitely help her, too. Keep in mind, though, that you'll wanna check to see what your landlord requires or, requests. Most landlords want you to have insurance, but the specific coverage, like who is covered for what, is up to them to decide, since there's no law.

utterance: OK. So we've, like, got it narrowed down to three places. We, like, spent two weeks looking.

utterance: Sounds fun! Let me pull up some numbers on my computer. Just a second. So will you be going to school?

utterance: Yeah. We're both sophomores. We lived on campus last year so this is, like, our first apartment.

utterance: How exciting! What dorm were you in?

utterance: I was in Jacobsen.

utterance: I was, too! Eighth floor. Great views of the mountains.

utterance: Yeah, totally! I was, like, on the second floor but used to, like, hang out up- up on the sixth.

utterance: Good times! So I've got some numbers here, and there are different things.

utterance: Cool, thanks!

utterance: That are included and, excluded. And, I'm sorry! Can I get your name?

utterance: Becky.

utterance: Hi, Becky! Nice to meet you. Or, talk to you! .

utterance: Hi! .

utterance: So there are some things for you to keep in mind. First of all, do you or, will you have a car?

utterance: no. We're- we'll, like, walk.

utterance: Good! That makes it easier! Vehicles aren't covered. And any exotic animals?

utterance: We might, like, get a cat. #Uh, it depends on which apartment.

utterance: They're fine! Insurance excludes things like snakes, some dog beads, breeds. And a lot of apartments ban them anyway, so it's not a an issue, but we do get a lot of questions.

utterance: But cats are OK?

utterance: Yep, kitties are fine! I mean if they, cause damage, it's covered. Unless there's some sort of super-human, I mean, super-kitty level of damage damage.

utterance: No! We, like, my family's cat, like, totally shredded the curtains. But I'll get a good little kitty! .

utterance: Of course! So some other things that are usually excluded are floods and I mean damage to your belongings caused by floods or earthquakes. Your landlord might have policies to cover the building, but your personal belongings wouldn't be included.

utterance: #Um, OK. So.

utterance: So those are the exclusions. Basically most other things are covered. #Uh I mean damage to your belongings due to other things. So, like, fire, oh, there's one other exclusion. #Uh bed bugs.

utterance: Ewww! .

utterance: Yeah, yuck! I hope the places you're looking at don't have them!

utterance: Oh my god, yeah! Gross! .

utterance: So yeah, other than that, you're covered for things like fire, theft, personal liability, like if someone has an accident in your apartment.

utterance: Like at a party or something? Or like if my parents visit?

utterance: Yeah, if they get hurt. And things like if your apartment is deemed uninhabitable and you need to stay at a hotel or motel, that's covered.

utterance: OK.

utterance: And if there's a power outage, like a storm or just a- an outage and your food spoils, it's covered.

utterance: OK,

utterance: Yeah, so basically your personal belongings and loss to them, or of them, and injuries to guests.

utterance: OK. So, like, how much, how much do I need?

utterance: So there are a few different plans depending on the value of your possessions.

utterance: Wait, so do I, like, have to know how much all my stuff costs? Do I have to, like, have proof or something? Like receipts or something?

utterance: Oh, no! I mean, not for everything. I know that would be a challenge. Especially for personal or sentimental stuff.

utterance: Yeah, like, I don't even know!

utterance: I do recommend taking a, an inventory of your stuff. And write it down and make your best estimate. Generally a furnished one-bedroom apartment, that includes the furniture, the clothes, the food in the refrigerator, basically everything. It might all total fifteen thousand.

utterance: Fifteen thousand? I don't have anything! I, like, lived in the dorms last year!

utterance: So we can scale that number down. You can estimate how much you might spend on furniture.

utterance: OK, yeah. I'm, I mean we're - wait, what if me and my roommate, like, split the cost, like if we buy a sofa or something together?

utterance: You could add half the cost to the estimated value of your belongings.

utterance: OK, OK, yeah.

utterance: So, yeah, take an inventory of your stuff, and then make your best estimate about the stuff you'll be buying. And we have a couple of tiers of coverage. So if you don't think you've got fifteen thousand dollars worth of stuff, the next level down would cover ten thousand. And remember, with things like clothes, shoes, food- the cost of having a fully-stocked kitchen does add up.

utterance: OK. But yeah, maybe not fifteen thousand.

utterance: So the annual premium for that plan would be, let me see. Give me just a second here. Three hundred and eighteen dollars. That's if you pay annually. It's thirty four dollars per month if you pay monthly.

utterance: OK. But, like, what happens if I like do go over ten thousand? Like if I have more stuff than that, and then something happens?

utterance: Well, if you do file a claim, like if something happens, up to ten thousand dollars worth of belongings would be covered, like we would reimburse you for their cost, but anything beyond that wouldn't.

utterance: OK. And what is the, the amount, sorry, I don't remember what it's called, but, like, the amount that I have to pay first?

utterance: The deductible! So for the quote I gave you, the deductible is five hundred dollars. There is a lower deductible, there's one that's two hundred, but then the premium goes up to three hundred and seventy four dollars.

utterance: OK. Yeah, maybe the lower, I mean, the three eighteen is better. And what if I, or we, or I guess even just me, what if I move? Like, would I lose my coverage? Would I, like, have to pay to keep it?

utterance: Oh, no! The policy would follow you to your new apartment or house.

utterance: Cool! Cause, yeah, I dunno, maybe we'll decide we, like, really want a cat but the place doesn't allow it.

utterance: Yep, you could move and get a cat! .

utterance: Cool! So, how long do I have to decide? Because we're, like, still looking and probably won't, move until, you know, like right before classes start.

utterance: That's no problem! I can send you this quote, with some general information about renter's insurance. Just reminders and stuff, like what is and isn't covered and some general tips. So I can send it to you, and remember that you don't need it and, really shouldn't get it until your move-in date. Just make sure that the date on the policy starts on your move-in, or on the first day of your lease.

utterance: OK, yeah!

utterance: So Becky, can I get your last name?

utterance: It's Braithwyle. That's b. r. a. i. t. h. w. y. l. e.

utterance: Braithwyle. And your email?

utterance: It's Rebeccah Braithwyle at smithson university dot edu. Rebeccah with an H. R. e. b. e. c. c. a. h.

utterance: Got it, thanks! So I'll just send this out to you.

utterance: Thanks!

utterance: And I've included both of the policies- I mean both of the levels of coverage. Oh, wait! Sorry, I had one other question for you. Or one other caution, really.

utterance: Yeah?

utterance: Anything like really fancy, or really expensive jewelry- We, we recommend additional coverage just for those, for each individual item.

utterance: Oh, yeah, no. Nothing, I mean, nothing special or expensive. I mean, yeah, like, I have, like necklaces and stuff that I got as like birthday presents and stuff, but no, they're not like fancy or anything.

utterance: OK, excellent! So the two different plans, the different levels of coverage should be good for whatever you've got to cover. Anything in your apartment.

utterance: Cool, thanks!

utterance: You're very welcome! Is there anything else I can help you with today?

utterance: No, I think I'm good.

utterance: Great! Just go ahead and give me a call back when you're ready to start a policy.

utterance: Thanks!

utterance: Or if you have any questions between now and then.

utterance: Thank you!

utterance: And good luck on the apartment hunting!

utterance: Thanks for your help!

utterance: You're welcome! Have a great day!

utterance: Thanks, you too!


utterance: Hello! Rivertown Insurance. This is Michelle.

utterance: Yeah, hi. Th- this is Jaxon Pfeiffer calling. You sent me some information about policies.

utterance: Hi, Jaxon! How's the car, I mean the truck search going?

utterance: Found one!

utterance: Congratulations!

utterance: Thanks! Yeah, a, Silverado. Chevy Silverado.

utterance: Nice! Sturdy trucks.

utterance: Yeah! And I wanted to sign up for a- a policy. #Uh, collision and, the other one.

utterance: Comprehensive! Well, again, congratulations on the truck! And yeah, I'd be happy to set you up!

utterance: Cool! So, yeah, it has air- dual airbags. But no other tech stuff, like those sensors.

utterance: Yeah, those are not super common. And what.

utterance: Oh, sorry! It's a twenty seventeen.

utterance: OK, so a two thousand seventeen Chevy Silverado, dual airbags, collision and comprehensive. And can you just no, wait. I think I've got your- your email here. Is it Jaxon Pfeiffer at gmail dot com?

utterance: Yep!

utterance: Excellent! So did you have a chance to compare the different plans?

utterance: Yeah, yeah. So I think I wanna do the one with the lower upfront cost.

utterance: The lower premium with the higher deductible?

utterance: Yeah, yeah.

utterance: OK! So we do have two levels of coverage based on the value, the overall value of the vehicle. And since yours is a twenty seventeen, it's really a- a toss-up as to which you choose. For new and newere cars I'd definitely recommend the premier package, but.

utterance: Is twenty seventeen, like, old?

utterance: Yeah, sort- sort of. I mean, like, not, or hopefully not decrepit! But a lot of folks, like people who lease, might say that yeah, twenty seventeen is an older model.

utterance: OK, so what's the- the other, the not premier one?

utterance: The standard package- hang on just a sec. Let me pull that up. OK, here it is. So the premium- this could go up or down just a bit depending on some other, factors. The premium would be four hundred and nineteen dollars for a six-month policy with a one thousand dollar deductible.

utterance: OK, OK. And if I do it the other way?

utterance: Higher premium and lower deductible. Let's see. For six months, the premium would be six hundred sixty four dollars with a five hundred dollar deductible.

utterance: #Uh, OK. No, I think- I think I wanna stick with the first one. .

utterance: No problem! And there are just a few things. Are you over twenty five? And will you be driving regularly, like commuting to work? #Uh, driving this vehicle, I mean.

utterance: Yeah, yeah. I'm just a few weeks past twenty five! And yeah, this'll be my my workhorse. My commuter and my weekend transport.

utterance: Got it! And you did say it had the dual airbags.

utterance: Yep.

utterance: And did you want the Fast App? It does give you a discount for safe driving, driving within the speed limit.

utterance: That's the, tracker?

utterance: Yeah, you just download it. It's a fifteen percent discount, so your six-month premium would drop to three hundred fifty six dollars.

utterance: Nice! Yeah, I'll, I'll do that. So is it available for androids? I don't have a an iPhone.

utterance: Yep! It's available for both.

utterance: Cool! So how can I get it started?

utterance: Are you set up, well, no, I suppose you wouldn't be yet. Let's get you set up on our online platform.

utterance: Is that, like, where I make payments and stuff?

utterance: Exactly! Are you

utterance: I'm online now. I've got your website up.

utterance: Excellent! You're very prepared!

utterance: Yeah, yeah! So do I go to this- where it says create account?

utterance: Yep! It'll ask you for a username, a unique username. And it has it's own list of password requirements.

utterance: Yeah, like fifty four letters, characters, none of them repeating, random weird alternating symbols .

utterance: Something like that!

utterance: OK, so I- Oh, wait, I gotta- yeah, let me just- these extra security questions. OK, got it.

utterance: OK, just give me a second here. I need to- need to refresh and look for new accounts. Just a second. Oh, yep! There you are!

utterance: Cool, it worked! .

utterance: Yeah, it- it definitely doesn't always work on the first time! So I'm gonna post this- this policy here. Do you want me to set the start date to today?

utterance: #Uh, yeah, please. Thanks! And then do I need to pay it online? Is my account good to go?

utterance: Yeah, you can- I do recommend online payment. It's just- it's safe and secure, and you do it right through the portal. So yeah, you can do- you can pay either monthly or six months, right there. And then just print out the insurance card. Gotta have it in the vehicle!

utterance: Yeah, yeah! Sorry, officer! Let me just print it!

utterance: And yeah, your account is good to go! You should take proof of insurance with you when you register- and, you can do that online, too. Through the d. m. v. website.

utterance: Yeah, that's next on my list! .

utterance: It's good to get these things crossed off! Oh, and just make sure to get the app, the Fast App, downloaded. I've already added in the discount there in your policy.

utterance: Yeah, I just, just found it. It's installing.

utterance: Excellent! Is there anything else I can help you with today?

utterance: Yeah, actually! Or, sort of.

utterance: I'll do my best!

utterance: You mentioned packaging, or, like.

utterance: Bundling?

utterance: Yeah, bundling!

utterance: And that was for renters' insurance?

utterance: Yeah, yeah! So I haven't looked back at my stuff, my documents, but could you send me some information about your- like, the different types of policies?

utterance: Absolutely! Are you, do you have a roommate or housemate?

utterance: Oh, no. Just me. First time ever with no roommates!

utterance: Nice! And, easy- or better for renter's insurance. It can sometimes get tricky with roommates, like if you bought the couch together and that sort of thing.

utterance: Yeah, no worries there! My couch was, it came outta my brother's basement. .

utterance: It's got a new life now! So I'll- I'll go ahead and send you that information. And since you're set up on the, portal now, I'll post them there, too. And I'll, email them.

utterance: Cool! Thanks for your help!

utterance: You're welcome! Take care and have a great afternoon!

utterance: Thanks, you too!


utterance: Thank you for calling Rivertown Insurance. This is Cecilia. How can I help you today?

utterance: Hi. My name's Maria Jacobs. I'm on Walton Street. I think, uh, I might need to report a claim.

utterance: I can help you get started with that. Can you tell me your policy number?

utterance: Yeah, it's, I'm not sure where to.

utterance: It should be at the top of your declarations page.

utterance: OK, let me find.

utterance: You can actually find it at the top of each page. It's a.

utterance: Oh, good! because I'm not sure I have that.

utterance: Yeah, so we put it in the header so it's on each page.

utterance: OK, I think I got it here. It's.

utterance: OK.

utterance: It's oh eight one two.

utterance: Oh eight one two.

utterance: six four six six seven.

utterance: six four six six seven.

utterance: five nine one.

utterance: five nine one. And your date of birth?

utterance: May fourteenth, nineteen eighty two.

utterance: Oh, that's my daughter's birthday! And I've got just one security question in here for you.

utterance: OK.

utterance: And the number you're calling from, is that the best number to reach you?

utterance: Oh I switched numbers, so you probably don't have this one. Should I, uh, update it?

utterance: No problem! I can help you with that, too.

utterance: Actually I think I'll keep it for now. I just really need to know if I can

utterance: Right, you want to file a claim?

utterance: Well, yeah, if I can. You know that lightning storm that hit a few days ago?

utterance: Yeah, I saw it from my window!

utterance: So it, like, hit the tree across the street from me.

utterance: Really?

utterance: Yeah, like, it split the tree in half and like scorched the neighbor's roof. And now, like, my furnace is fried.

utterance: Whoa!

utterance: We googled it and found some youtube videos and it just like seems like it got fried because of the electricity.

utterance: Oh, and you want to.

utterance: So yeah, I wonder if that's.

utterance: So that kind of damage is covered under your policy.

utterance: Cool! But how would I, like, prove it? What would I need to say in the claim? I mean, I wasn't home when it hit. I just saw the damage to the tree and kind of assumed, and I like don't know how I would.

utterance: OK, so no need to worry about that. It is covered, so.

utterance: Cool.

utterance: I can definitely open a claim for you, but.

utterance: OK.

utterance: you do have a deductible of five hundred dollars, so.

utterance: OK, so would I, or how about I call a repair technician to get a quote. And then would I need to.

utterance: I can start the paperwork for you right now.

utterance: You know what, maybe I should like call them first and see what they think. Oh, I can see it now, the tree, and there are like pedestrians stopping and taking pictures of it.

utterance: Yeah, our office kinda shook!

utterance: So, like, what's the process? If I, like, call them and get a quote and then call you back, would that work?

utterance: Yeah, that's fine. And I can go ahead and get started on your claim, so when you get a quote and if it's above five hundred dollars, I can just add that information to your claim.

utterance: OK, cool. I'll try to find someone today. But if I can't.

utterance: No problem! I'll have the file ready to go whenever.

utterance: Thanks! How late are you open today?

utterance: I'll be in the office until five. You can also call after hours and leave a voicemail, and then I'll call you back.

utterance: Cool, thanks!

utterance: And did you want me to go ahead and update your phone number?

utterance: Yeah, thanks.

utterance: So could you just tell me the number you're calling from again? I had it on my screen but it just.

utterance: Yeah, it's five oh seven.

utterance: Uh huh.

utterance: eight three two seven one four six.

utterance: Got it! You're up-to-date. And is there anything else I can help you with today?

utterance: No, I think I'm good, thanks! So I'll call you back when I have the information.

utterance: Sounds good! You take care and have a good afternoon.

utterance: Thanks, you too!


utterance: Good morning, thank you for calling Rivertown Insurance. My name is Anna, how can I help you today?

utterance: My name is John and I was wanting to create an account for my new renter policy.

utterance: Okay, John. I can halp you with that. First I would like to thank you for becoming a valued customer with us.

utterance: Yeah, well I just moved and my friend told me I needed to get renters insurance cuz he didn't have any and he had a flood and was out a lot of money. So I checked inline and you guys had the best rates.

utterance: I'm glad to hear we had the best rates. Now John, in order for me to help create an acount for you I'll need a few pieces of information from you. Can I have your policy number?

utterance: Sure, it's give me a minute to find it.

utterance: No problem, just read it to me once you find it. If you have your policy papers it will be on every page on the top right corner.

utterance: Got it. It's one two four six six seven three eight two dash b.

utterance: Thank you. Okay John can you verify your full name, phone number, and your birth date?

utterance: Sure, John Hale. Eight six three four one two seven seven eight one and June third nineteen sixty two.

utterance: Thank you John. Now can you tell me your email address you want the account under?

utterance: Yeah, it's johnhale at gmail dot com.

utterance: Great, I will just need to verify your zip code please.

utterance: It's three three four zero nine.

utterance: For your address I have four two nine Elm Street. Is that correct?

utterance: Yep, that's my new address. I just changed it on everything, the bank, work, and all that.

utterance: That's good. It can be overwhelming remebering all the things you need to update. Once we get you set up with your account you will find a section with checklists for all the things to make sure you update. It's real helpful.

utterance: Wow, that's good to know. Any other cool things like that?

utterance: We sure do. There's also links to all utilities near you and you can compare services and prices.

utterance: I will sure need that.

utterance: Moving can be hectic. Now John in order to fully create your account I need you to go to your email address and you should have an email from us with a link to verify your email adress. Can you click that link now?

utterance: All right let me see if I have the email.

utterance: Once you click the link it will open a new page and ask for you to make a password. You need to create a password with at least eight didgits including at least one capital letter, one number, and one symbol.

utterance: Okay, I clicked it. The page is open and I am trying to create a password now.

utterance: Make sure you save your password. Let me know when it says setup complete.

utterance: It just said it now.

utterance: Well then John now you need to sign back in using your email address and new password.

utterance: Got it!

utterance: Great, now you should see create account security questions on the bottom right.

utterance: I see it.

utterance: Just click on it and pick three questions and answer them. These are used incase you get locked out of your account for any reason.

utterance: Gotcha. one more, okay all done.

utterance: Great. Now if you will go to your profile link at the top of the page on the right and click on it.

utterance: Yep, I clicked it.

utterance: Now just check to be sure all the information is correct.

utterance: Okay, it all looks good. No, wait the apartment number is wrong. It should be four oh two.

utterance: Okay, let me just fix that for you real quick. There you go, is the rest correct?

utterance: Yeah, it all looks right.

utterance: That's great. One more thing we need to do, just click on the connect policy button. It should be line four.

utterance: I see it. I clicked.

utterance: Okay, now click the little frop down arrow and your policy should come up. Just click on it.

utterance: I did it.

utterance: Well then John it looks like your online account is ready for you to use.

utterance: Wow, that was easy.

utterance: I'm happy to have helped. Is there anything else you needed help with today John, or any questions?

utterance: Nope that was all I needed. Thank you.

utterance: You're welcome John. Thank you for contacting us today and if you have any questions just call or email us. Have a wonderful day.

utterance: Thanks, you too. Bye.

utterance: It's been my pleasure John, bye.


utterance: Thank you for calling Rivertown Insurance where all of your insurance needs are covered. This is Tonya speaking how may I help you?

utterance: Hi I need to change my billing address on my policy.

utterance: Sure, I can definitely help you with that. Let me get you verified in our system real quick. May I have your first and last name please?

utterance: Rhonda spelled r.h.o.n.d.a Jenkins.

utterance: Thank you, and may I have your date of birth please?

utterance: July fourth nineteen eighty four.

utterance: oh wow look at that, independence day!

utterance: yup!

utterance: Okay, and may I have your customer number please?

utterance: that I don't have at the moment, I'm picking my daughter up from school so I'm not home just yet.

utterance: No, that is fine, may I have your social security number instead?

utterance: five two seven.

utterance: five two seven.

utterance: six eight.

utterance: six eight.

utterance: three nine four seven.

utterance: three nine four seven. Okay, that's five two seven six eight three nine four seven correct?

utterance: yes.

utterance: Okay one moment while I verify you in the system.

utterance: k.

utterance: Alright, missus Jenkins lastly, may you verify the current address that's on file please?

utterance: it's five four six courtyard road.

utterance: City, state and.

utterance: Colington Mississippi seven four three seven five.

utterance: Thank you, one moment while I process your request for change of address.

utterance: Oka- Kayla come on I don't have all day little lady! She wanna stand there and talk to her little friends like I got all day.

utterance: Oh I know how it can be. Okay missus Jenkins, I am ready for your new address.

utterance: hold up let me get the lease papers I ain't even memorize it yet.

utterance: Take your time.

utterance: where is that- here it is. Alright it's eighty three North West Carlton Ave and that's Draxton Mississippi seven six two two one.

utterance: Thank you, and to clarify, that was eighty three North West Carlton Ave, Draxton Mississippi seven six two two one correct?

utterance: yes ma'am, that's correct.

utterance: Okay one moment while I finalize your change.

utterance: ok. Put your seat belt on child.

utterance: Alright, it looks like you're all set missus Jenkins. Is there anything else I could help you with today?

utterance: Yea, if I need to make other changes to my account, is calling in the only way to do that?

utterance: No ma'am. Most changes to the account can be made through our website. Have you set up an online account yet?

utterance: No I haven't but I'm gonna need to later on cause will I be able to make payments online as well?

utterance: Yes ma'am! It's actually a lot easier to make payments that way and It's also free of charge as oppose to calling customer service. Would you like to set up a call back for a later time so that I could help you set this up?

utterance: Yea, you know what? Lets do that.

utterance: Great! What date and time would work best for you?

utterance: #Uh lets lets go with how about tomorrow morning around ten am?

utterance: That will work! And is the current number the best one to reach you on?

utterance: yea, this one's good.

utterance: Okay, well I will reach out to you tomorrow morning at ten am. And is there anything else that I could help you with today?

utterance: No that's all. What did you say your name was?

utterance: My name is Tonya.

utterance: Thank you for your help Tonya!

utterance: It's been my pleasure! There's a short survey at the end of this call if you could rate your level of service today, it'll be greatly appreciated! Have a wonderful day missus Jenkins.

utterance: okay, you too.


utterance: Thank you for contacting Rivertown Insurance this is Josh speaking how may I help you?

utterance: What you say your name was?

utterance: Josh my name is Josh how may I.

utterance: Okay so here's the thing Josh, I have been trying to get through all day and I haven't had any luck with speaking to anyone wit a freakin ounce of brain!

utterance: I'm sorry to hear that, and I'll make sure we get you taken care of today. What can I help you.

utterance: I need my policy number and proof of insurance!

intents: GetPolicyNumber RequestProofOfInsurance

utterance: No problem, let me get you verified in my system real quick and I'll provide you with that information. First, may I have your first name and.

utterance: Mark Wayne.

utterance: Alright, mister Wayne. And May I have your date of birth please?

utterance: March first nineteen fifty eight.

utterance: Thank you, and may I have your account number please?

utterance: Which number is that? Where do I find that?

utterance: It's an eight digit number that can be found on your statements but.

utterance: see here's the thing, I don't have anything with me at the moment. I don't have a damn statement cause if I did I might not need to call you people in the first place.

utterance: That's fine sir. Can I have your social security number please?

utterance: it's six three nine five eight four five six one.

utterance: Alright, and just to verify, that number was six three nine, five eight, four five six one correct?

utterance: yup yup.

utterance: Thank you one moment while I look up your information.

utterance: I ain't got all day!

utterance: So it looks like your policy was suspended due to lack of payment and.

utterance: no no no that's not right! I made a payment a few days ago!

utterance: Okay so it looks like there was an attempt to make a payment on the seventh of last month but the check bounced.

utterance: crap! Well what can I do now? Can I make the payment and have the same policy that I had before?

utterance: Actually yea, this policy can still be reinstated because it's been less than three months so if you give me one moment while I get you set back up.

utterance: alright I'm sorry about my attitude it's just that I've been fightin with this all day and I'm just tired man.

utterance: No I completely understand. Alright mister Wayne, so it looks like you had our Preferred Auto Insurance package at one thousand five hundred dollars a year and one twenty five a month.

utterance: yup.

utterance: So there will be a one time thirty dollar reinstatement fee with today's charge making your total payment for today one fifty five. Are you good with that?

utterance: Well, I don't think I have much of a choice, I need insurance and you all were the most affordable so lets do it.

utterance: Alright, so whenever you are ready, you can provide me with the card information and we can get this done for ya.

utterance: hold on let me get me wallet.

utterance: No problem.

utterance: alright the card number is nine nine oh oh.

utterance: nine nine zero zero alright.

utterance: six two oh five.

utterance: six two zero five

utterance: seven four I mean seven three four eight.

utterance: seven three four eight alright.

utterance: two five oh three.

utterance: two five zero three. Alright, let me read that back to you.

utterance: k.

utterance: that was nine nine zero zero.

utterance: yup.

utterance: six two zero five seven three four eight two five zero three.

utterance: you got it.

utterance: alright, and may I get that expiration from you please?

utterance: oh three twenty four.

utterance: and the security code on the back of the card?

utterance: eight six one.

utterance: alright, and this is a visa correct?

utterance: yea.

utterance: Okay, so just for verification purposes, I need you to verify that you Mark Wayne authorize Rivertown insurance to process a payment of one hundred and fifty five dollars today is this correct?

utterance: yup go ahead.

utterance: Thank you, the payment is now processing. And we are good to go. I have a confirmation number if you'd like me to provide you with that.

utterance: one minute let me grab my pen.

utterance: No problem.

utterance: okay what is it?

utterance: That code is q.a.n.

utterance: q.a.n

utterance: two six seven one.

utterance: two six seven one okay.

utterance: And your policy number is nine thirty five.

utterance: nine three five okay.

utterance: twenty two.

utterance: twenty two okay.

utterance: six one zero.

utterance: so thats nine three five two two six one zero.

utterance: That is correct. And as far as proof of insurance, I can have that mailed to you with.

utterance: Hey can you email it to me instead?

utterance: Definitely! the email I have on file is m dot wayne sixty five at gmail dot com is this a good email address?

utterance: yea, that's the one.

utterance: Alright, I will have your proof of insurance sent to your email and it should be getting there any minute now.

utterance: let me see, I have my gmail set up with my phone so it should oh, there it is, let me open it real quick.

utterance: Alright.

utterance: okay, I see it and I can just print it from my computer later on.

utterance: Yup. And it there anything else I can help you with mister Wayne?

utterance: I think that's all, so my monthly payment, will it come out automatically?

utterance: It will not but I can set that up for you real quick if you'd like.

utterance: Yea lets do that then.

utterance: No problem. Are we using the same card that was used to make today's payment?

utterance: yea.

utterance: alright, cool so give me one minute.

utterance: mhm.

utterance: Alright mister Wayne we got you set up to have your monthly charges automatically withdrawn from your account.

utterance: What day will it come out?

utterance: It'll come out on the twenty seventh of each month is that good for you?

utterance: Yea that'll work.

utterance: Great! And is there anything else I could help you with today?

utterance: I think thats all.

utterance: Alright great! And if you'd like, there's a short survey at the end of this call where you could rate your service with me today. If you could complete that, it'll greatly appreciated!

utterance: Alright I guess I'll do it since you were the only person that actually helped me.

utterance: Well I'm glad that I was able to help. And if you need any more assistance don't hesitate to call.

utterance: Okay thanks

utterance: Josh.

utterance: Yea, Josh.

utterance: Have a great day mister Wayne!

utterance: you too.