High-risk auto triage producer CSR Ontario

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What documents do high-risk auto clients need?

Driver's abstract, conviction details, prior cancellation or non-payment letters, proof of insurance history, and carrier-specific high-risk forms. Verify with your MGA.

Should CSRs collect abstracts before or after quote?

Before. High-risk rating depends on abstract contents — quoting without it wastes producer time and violates TAC documentation expectations.

How do producers triage high-risk vs standard auto?

Use a triage checklist: abstract review first, then route to high-risk template if convictions, cancellations, or gaps appear.

What if the client has no prior insurance?

Collect letter of experience or prior dec page if any coverage existed. Document gaps in the client file.

Can high-risk clients upload via guest link?

Yes. Guest links accept abstract PDFs and cancellation letters via email OTP.

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