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FAQ and Auto Insurance Information
What is Automobile Insurance
Automobile insurance is simply a contract that helps pay for certain types of
financial losses or obligations resulting from the use or ownership of an
automobile. To obtain this contract (insurance policy), you pay a specified
amount of money called a premium. In return for the premium paid, the insurance
company agrees to pay certain expenses and legal liabilities depending on the
terms of the insurance policy. Having the right insurance coverage may
prevent you from suffering a large financial loss in the event of an automobile
accident.
If you drive an automobile in California, state law dictates that you must be financially
responsible for your actions. All drivers must show their ability to pay
for damages or injury to others resulting from
the ownership or operation of a motor vehicle.
- As of January 1, 2006, all insurance companies are
required to report insurance status information to DMV for all private use
vehicles (CVC §16058).
- As of July 1, 2006, law enforcement and court
personnel have access to DMV records to verify that your California
registered vehicle is currently insured (CVC §16058.1).
- Effective October 1, 2006, your vehicle
registration is subject to suspension if the liability insurance is
cancelled, OR if your insurance company has not electronically provided
evidence of insurance when you purchase and register your vehicle, OR if
you provide DMV with false insurance information (CVC §4000.38).
California’s Compulsory Financial Responsibility Law requires
every driver and owner of a motor vehicle to be financially responsible for
their actions. The statutory minimum limits of liability insurance in California are as follows:
- $15,000 for death or injury of any one person, any one accident.
- $30,000 for all persons in any one accident.
- $5,000 for any one accident.
There are four
ways to accomplish financial responsibility:
- Coverage by a motor vehicle or automobile liability insurance
policy;
- A cash deposit of $35,000 with the Department of Motor Vehicles
(DMV);
- A certificate of self-insurance issued by DMV to owners of fleets
of more than 25 vehicles; or
- A surety bond for $35,000 obtained from an insurance company
licensed to do business in California.
All California drivers and owners must have at least the statutory
limits of minimum liability insurance or an approved alternative way to pay for
injury or property damage they may cause. Penalties are very severe for
non-compliance with this section of the vehicle code.
When your car is
in an accident for which you are found legally liable, bodily injury (BI)
liability covers your liability to others for injuries to them. Property damage
(PD) liability covers your liability for damage to someone else’s property.
A policy with BI
of $15,000/$30,000 and PD of $5,000 will pay out as follows:
- The maximum limit for one person’s injuries, medical expenses is
$15,000 under the bodily injury portion;
- If two or more people are injured, the maximum limit for the
accident will be $30,000;
- The maximum limit for damage to other people’s property (their
car, their fence, etc.) is $5,000.
Comprehensive
coverage (other than collision), uninsured motorist, medical payments and
collision insurance are not required by law.
Insurance companies must offer the
following coverage with every automobile policy:
Provides liability insurance when the party at fault does not have the state
required minimum liability coverage, or the minimum liability coverage is
insufficient to cover the injuries sustained in the accident. Likewise,
uninsured motorist property damage covers possible reimbursement for damages
your car sustains (BI and PD).
Most insurance
companies will also offer the following optional coverages:
Provides for the payment of medical and similar expenses without regard for
liability.
Neither of these cover mechanical breakdown or normal wear and tear.
Collision covers damage to your vehicle caused by collision with another
vehicle or with any other object, regardless of fault. Collision
insurance covers vehicle upset (overturn), but does not cover bodily injury or
property damage liability. Comprehensive coverage covers damage to your
car caused by reason other than collision, such as fire, theft, windstorm,
flood, vandalism, etc.
Special equipment (i.e. after-market additions such as premium stereos, tires,
and other misc. equipment), towing, and rental reimbursement.
Types of Coverage |
Pays For |
Covers |
Required |
Liability Bodily Injury Property Damage |
Your responsibility to pay for medical,
death and hospital expenses including cost of repairs to other party’s
vehicle or property |
The insured’s legal liability for bodily
injury and property damage arising from ownership or use of the insured
vehicle |
Yes, by California Department of Motor
Vehicle Code |
Uninsured/Underinsured Motorist Bodily
Injury |
Provides coverage for a policyholder
involved in a collision with a driver who does not have liability insurance
or who does not have sufficient liability limits to pay for damages |
The other party’s legal liability to you for
bodily injury arising from the negligent operation of their uninsured vehicle |
No, but every automobile insurance company
must offer uninsured motorist coverage, and they are required to have a
signed waiver on file if the coverage is rejected |
Uninsured Motorist Property Damage |
Cost of repairs to your vehicle not covered
by collision insurance, subject to a limit of $3,500. UMPD coverage pays for
the property damage to your car when there is a collision with an identified
uninsured driver. |
The other party’s legal liability for
property damage arising from the negligent operation of their uninsured
vehicle |
No, but every automobile insurance company
must offer uninsured motorist coverage, and they are required to have a
signed waiver on file if the coverage is rejected |
Medical Payments |
Medical expense incurred without question of
legal liability |
All the occupants of your vehicle |
No |
Comprehensive
Physical Damage
other than Collision |
Cost of repairs or the fair market value of
the vehicle |
The insured vehicle subject to the
deductible |
Yes, by lenders and leasing companies |
Collision |
Cost of repairs or the fair market value of
the vehicle |
The insured vehicle subject to the
deductible |
Yes, by lenders and leasing companies |
Rental
Reimbursement
Daily limit and
number of days subject to policy terms |
Cost of a rental car while your vehicle is
being repaired under coverage afforded by the policy |
Named Insured |
No |
Towing |
Reasonable and necessary towing and labor
cost subject to policy terms |
Named Insured |
No |
Actual Cash Value (ACV) – Unless otherwise defined in the policy, actual cash
value in California means fair market value. The fair market value of an
item is the dollar amount that a knowledgeable buyer (under no unusual
pressure) is willing to pay, and a knowledgeable seller (under no unusual
pressure) is willing to accept.
Additional Equipment
Endorsement – Provides coverage
for certain parts and equipment that are not installed by the manufacturer.
Coverage is subject to a maximum limit listed on the endorsement.
Adjuster – The person who evaluates the damage caused by an
accident or other covered loss and determines the amount to be paid under the
policy terms.
Agent – A licensed individual or organization authorized to
sell and service insurance policies for an insurance company.
Assigned
Risk– A driver who is not
acceptable to a standard lines insurance company due to a poor driving record
and is assigned to an insurance company participating in the assigned risk
pool. All insurance companies
licensed to sell auto insurance in California agree to accept a share of high-risk drivers based on
the percentage of auto policies they issue in the state.
Automobile
Insurance – A type of insurance
that protects against losses involving automobiles. Auto policies contain a variety of coverages that can be purchased depending upon the needs
and wants of the policyholder. Liability for bodily injury and property damage,
medical payments, uninsured motorist, comprehensive, and collision are some of
the common coverages offered under an auto insurance
policy.
Binder– A short-term agreement that provides temporary
insurance coverage until the policy can be issued or delivered.
Broker – A licensed individual or organization who, on your behalf, sells and services insurance policies.
Broker-Agent – A licensed individual who can act as an agent
representing one or more insurance companies and also as a broker dealing with
one or more insurance companies representing your interests.
Broker Fee Agreement – The contract between the policyholder and the
broker which also specifies the charges for the services rendered by the
broker.
California Automobile Assigned Risk Plan (CAARP) – This plan is available when a driver is unable to purchase private
passenger or commercial liability auto coverage because of a poor driving
record.
Commission – A portion of the policy premium that is paid to an
agent by the insurance company as compensation for the agent’s work.
Commissioner of Insurance – This is the title of the head of the California
Department of Insurance.
Comparative
Negligence – The percentage of
fault shared by each driver in an accident in which both contribute to causing
the collision.
Comprehensive Coverage – Pays for damage to your car caused by reason other
than collision, such as fire, theft, vandalism, windstorm, flood, et cetera.
Claim – Notice to an insurance company that a loss has
occurred which may be covered under the terms and conditions of the policy.
Collision – Pays for damage to your car caused by physical
contact with another vehicle or with another object, such as a tree, boulder,
guardrail, structure, or person.
Declarations (DEC) Page – Usually the first page of an insurance policy that
contains the full legal name of your insurance company, your name and address,
the policy number, effective and expiration dates, premium payable, the amount
and types of coverage, deductibles, the vehicle(s) insured, and the vehicle
identification numbers (VIN).
Deductible – The amount of the loss that the policyholder is
responsible to pay up-front before covered benefits from the insurance company
are payable. This is applicable to comprehensive or collision coverage only.
Endorsement– A written agreement that
changes the terms of an insurance policy by adding or subtracting coverage.
Exclusion – A contractual provision in an insurance policy that
denies or restricts coverage for certain perils, persons, property, or
locations.
First Party– The policyholder (insured) in an insurance contract.
Insured – The policyholder(s) entitled to covered benefits in
case of an accident or loss.
Insurer – The insurance company who issues the insurance and
agrees to pay for losses and provide covered benefits.
Liability
Insurance– Coverage for a
policyholder’s legal liability resulting from injuries to other persons or
damage to their property.
License – A certificate of authority issued by the Department
of Insurance to an insurer, agent, broker, or broker-agent to transact
insurance business.
Limits – The maximum amount of benefits the insurance company
agrees to pay in the event of a loss.
Loan Gap Coverage – This coverage pays the difference between the fair
market value of your vehicle and the loan balance owed to your lender. This
coverage is available on new vehicles only.
Low Cost
Auto – A pilot program for the
residents of Los Angeles and San Francisco Counties only, who meet specific lower
income requirements. (Administered
by CAARP)
Medical Payments Coverage– Covers the medical costs (up to the specified limit)
resulting from an auto accident for you, your family, or others in your car.
This coverage pays regardless of fault.
Non-Renewal – The termination of an insurance policy at its normal
expiration date.
Policy – A contract that states the rights and duties of the
insurance company and the insured.
Premium – The price of insurance paid to the insurance company
for a policy.
Premium Finance Company – A lending institution that finances automobile
insurance premium for a fee.
Producer – A term used by the insurance industry to refer to
agents and brokers.
Quotation - An estimate of the cost of insurance based on the
information supplied to the agent, broker, or insurance company.
Recision – The cancellation of a policy
back to its effective date resulting in a return of all premium charged.
Rental Reimbursement Coverage – This coverage pays your expenses to rent an auto if
you have a loss covered under Comprehensive or Collision benefits. Coverage is
sold based on a daily amount of expense subject to a maximum limit.
Replacement Cost – The amount that it costs to replace lost or damaged
property with new property of like kind or quality in the local market.
Salvage – Damaged policyholder property that is legally signed
over to an insurer in a loss settlement. Insurance companies sell salvaged
property in order to reduce their overall monetary loss.
Second Party – The insurance company in an
insurance contract.
Subrogation – The process of recovering the amount of claims
damages paid out to a policyholder from the legally liable party. When a
company pursues the legally liable third party, they are required to include
the policyholder’s deductible in the recovery process.
Surcharge – An extra charge applied to the premium by an
insurance company, usually applied to an at-fault accident or moving violation.
Third Party– An individual other than the policyholder or the
insurance company who has suffered a loss and may be able to collect
compensation under the policy due to the negligent acts or omissions of the
policyholder.
Total Loss – Damage or destruction to real or personal property
to such extent that it cannot be rebuilt or repaired to its condition prior to
the loss or when it would be cost prohibitive to repair or rebuild in
comparison to the value of the property prior to the loss.
Towing Coverage – Addition to an automobile policy that pays a
specified amount for towing and related labor costs.
Underinsured Motorist
Endorsement – Addition to a
Personal Automobile Policy (PAP) that covers an insured who is involved in a
collision with a driver who does not have sufficient liability insurance to pay
for the damages.
Uninsured Motorist Coverage
(UMC) – Provides coverage for a policyholder involved in a
collision with a driver who does not have liability insurance or who does not
have sufficient liability limits to pay for damages. UMC comes in two parts: uninsured
motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD).
UMBI coverage pays for injuries to you or any person in your car when there is
a collision with an uninsured driver. UMPD coverage pays for the property
damage to your car when there is a collision with an identified uninsured
driver. UMC must be offered when you purchase liability coverage for your auto.
If you decline UMC, you must sign a declination waiver.
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© 2010 Hollywood's Auto Insurance Services, Inc. All Rights Reserved.
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National Insurance Association, Netherlands Insurance Company, North Pacific Insurance Company, Oregon Automobile Insurance Company, Peerless Insurance Company, San Diego Insurance Company, Wausau Business Insurance Company, Wausau General Insurance Company, Wausau Underwriters Insurance Company, Lincoln General Insurance Company, Manheim Auctions, Inc. - Associate Member, Markel Corporation Group, Associated International Insurance Company, Deerfield Insurance Company, Essex Insurance Company, Evanston Insurance Company, Markel American Insurance Company, Markel Insurance Company, Maryland Automobile Insurance Fund, MEEMIC Insurance Company, Merchants Insurance Group, Merchants Insurance Company of New Hampshire, Inc., Merchants Mutual Insurance Company, Mercury General Group, American Mercury Insurance Company, American Mercury Lloyds Insurance Company, California Automobile Insurance Company, California General Underwriters Insurance Company, Mercury Casualty Company, Mercury Country Mutual Insurance Company, Mercury Indemnity Company of Florida, Mercury Indemnity Company of Georgia, Mercury Indemnity Company of Illinois, Mercury Insurance Company, Mercury Insurance Company of Florida, Mercury Insurance Company of Georgia, Mercury Insurance Company of Illinois, MetLife Auto & Home Group, Economy Fire & Casualty Company, Economy Preferred Insurance Company, Economy Premier Assurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, Metropolitan Lloyds Insurance Company of Texas, Metropolitan Property and Casualty Insurance Company, Michigan Basic Property Insurance Association, Michigan Millers Mutual Insurance Company, Millers First Insurance Companies, Millers Classified Insurance Company, Millers Mutual Insurance Association, Mitsui Sumitomo Group, Mitsui Marine and Fire Insurance Company of America, Sumitomo Marine and Fire Insurance Company, Limited, The, Motorists Insurance Group, The, American Hardware Mutual Insurance Company, American Merchants Casualty Company, Iowa American Insurance Company, Iowa Mutual Insurance Company, MICO Insurance Company, Motorists Mutual Insurance Company, Wilson Mutual Insurance Company, Motor Vehicle Accident Indemnification Corporation - Associate Member, National Atlantic Companies, Proformance Insurance Company, The, National Automotive Insurance Company, National Farmers Union Casualty Group, National Farmers Union Property and Casualty Company, National Farmers Universal Security Insurance Company, Nationwide Group, Allied Mutual Insurance Company, ALLIED Property and Casualty Insurance Company, AMCO Insurance Company, Calfarm Insurance Company, Colonial County Mutual Insurance Company, Depositors Insurance Company, Farmland Mutual Insurance Company, National Casualty Company, Nationwide Affinity Insurance Company of America, Nationwide Agribusiness Insurance Company, Nationwide Assurance Company, Nationwide General Insurance Company, Nationwide Indemnity Company, Nationwide Insurance Company of America, Nationwide Insurance Company of Florida, Nationwide Lloyds, Nationwide Mutual Fire Insurance Company, Nationwide Mutual Insurance Company, Nationwide Property and Casualty Insurance Company, Scottsdale Indemnity Company, Scottsdale Insurance Company, Scottsdale Surplus Lines Insurance Company, Titan Indemnity Company, Titan Insurance Company, Victoria Automobile Insurance Company, Victoria Fire & Casualty Company, Victoria National Insurance Company, Victoria Select Insurance Company, Victoria Specialty Insurance Company, Western Heritage Insurance Company, Nevada General Insurance Company, New Jersey Citizens United Reciprocal Exchange, New Jersey Manufacturers Group, New Jersey Casualty Insurance Company, New Jersey Indemnity Insurance Company, New Jersey Manufacturers Insurance Company, New Jersey Re-Insurance Company, New Jersey Skylands Insurance Association, New Jersey Skylands Insurace Company, NLC Insurance Companies, New London County Mutual Insurance Company, Summit Insurance Company, Thames Insurance Company, Inc., Norfolk and Dedham Group, Dorchester Mutual Insurance Company, Fitchburg Mutual Insurance Company, Norfolk and Dedham Mutual Fire Insurance Company, NOVA Casualty Company, Ohio Casualty Group, American Fire and Casualty Company, Ohio Casualty Insurance Company, The, Ohio Security Insurance Company, West American Insurance Company, Ohio Indemnity Company, OneBeacon Insurance Group, American Central Insurance Company, American Employers' Insurance Company, Atlantic Specialty Insurance, AutoOne Select Insurance Company, Camden Fire Insurance Association, Employers' Fire Insurance Company, Farmers & Merchants Insurance Company, Homeland Central Insurance Company, Homeland Insurance Company of New York, Massachusetts Homeland Insurance Company, Midwestern Insurance Company, Northern Assurance Company of America, OneBeacon America Insurance Company, OneBeacon Insurance Company, OneBeacon Lloyd's of Texas, OneBeacon Midwest Insurance Company, Pennsylvania General Insurance Company, Potomac Insurance Company, Traders & General Insurance Company, York Insurance Company of Maine, Oregon Mutual Group, Oregon Mutual Insurance Company, Western Protectors Insurance Company, Paramount Insurance Company - MD, Paramount Insurance Company, Patrons Insurance Group, Litchfield Mutual Fire Insurance Company, Patrons Fire Insurance Company of Rhode Island, Patrons Mutual Insurance Company of Connecticut, Pawtucket Insurance Company, Narragansett Bay Insurance Company, Pawtucket Insurance Company, Peninsula Companies, The, Peninsula Indemnity Company, Peninsula Insurance Company, The, Permanent General Assurance Corporation, Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, Tennessee Insurance Company, Phoenix Indemnity Insurance Company, Phoenix Indemnity Insurance Company, Plymouth Rock Companies, Bunker Hill Insurance Company, Mt. Washington Assurance Corporation, Pilgrim Insurance Company, Plymouth Rock Assurance Corporation, PMA Capital Corporation, Manufacturers Alliance Insurance Company, Pennsylvania Manufacturers Indemnity Company, Pennsylvania Manufacturers? Association Insurance Company, Preferred Mutual Group, Preferred Mutual Insurance Company, Progressive Insurance Group, Drive New Jersey Insurance Company, Mountain Laurel Assurance Company, National Continental Insurance Company, Progressive American Insurance Company, Progressive Auto Pro Insurance Company, Progressive Bayside Insurance Company, Progressive Casualty Insurance Company, Progressive Choice Insurance Company, Progressive Classic Insurance Company, Progressive Consumers Insurance Company, Progressive County Mutual Insurance Company, Progressive Express Insurance Company, Progressive Freedom Insurance Company, Progressive Garden States Insurance Company, Progressive Gulf Insurance Company, Progressive Halcyon Insurance Company, Progressive Hawaii Insurance Corporation, Progressive Home Insurance Company, Progressive Marathon Insurance Company, Progressive Max Insurance Company, Progressive Michigan Insurance Company, Progressive Mountain Insurance Company, Progressive Northeastern Insurance Company, Progressive Northern Insurance Company, Progressive Northwestern Insurance Company, Progressive Paloverde Insurance Company, Progressive Preferred Insurance Company, Progressive Premier Insurance Company of Illinois, Progressive Security Insurance Company, Progressive Southeastern Insurance Company, Progressive Specialty Insurance Company, Progressive Universal Insurance Company of Illinois, Progressive West Insurance Company, Specialty Risk Insurance Company, United Financial Casualty Company, PSM Insurance Companies, Paramount Insurance Company, Public Service Mutual Insurance Company, Quincy Mutual Insurance Group, Patrons Oxford Insurance Company, Quincy Mutual Fire Insurance Company, Rental and Leasing Services - Associate Member, Republic Insurance Group, Republic Fire & Casualty Company, Republic Lloyds, Republic Underwriters Insurance Company, Republic-Vanguard Insurance Company, Southern County Mutual Insurance Company, Southern Insurance Company, Southern Underwriters Insurance, Southern Vanguard Insurance Company, Republic Western Insurance Group, North American Fire & Casualty Insurance Company, Republic Western Insurance Company, Rider Insurance Company, Safe Auto Insurance Company, Safeco Insurance Companies, American Economy Insurance Company, American States Insurance Company, American States Insurance Company of Texas, American States Life Insurance Company, American States Lloyds Insurance Company, American States Preferred Insurance Company, Empire Life Insurance Company, First National Insurance Company of America, First Safeco National Life Insurance Company, General Insurance Company of America, Insurance Company of Illinois, Safeco Insurance Company of America, Safeco Insurance Company of Illinois, Safeco Insurance Company of PA, Safeco Life Insurance Company, Safeco Lloyds Insurance Company, Safeco National Insurance Company, Safeco National Life Insurance Company, Safeco Surplus Lines Insurance Company, Safety Group, The, Safety Indemnity Insurance Company, Safety Insurance Company, Safeway Insurance Group, Oak Brook County Mutual Insurance Company, Safeway Direct Insurance Company, Safeway Insurance Company, Safeway Insurance Company of Alabama, Safeway Insurance Company of Georgia, Safeway Insurance Company of Louisiana, Safeway Property Insurance Company, Selective Insurance Group, Inc., Selective Insurance Company of America, Selective Insurance Company of New York, Selective Insurance Company of South Carolina, Selective Insurance Company of the Southeast, Selective Way Insurance Company, Seminole Casualty Insurance Company, Sempra Energy Utilities - Associate Member, Sentry Insurance Group, Dairyland County Mutual Insurance Company of Texas, Dairyland Insurance Company, Middlesex Insurance Company, Patriot General Insurance Company, Peak Property and Casualty Insurance Corporation, Sentry Casualty Company, Sentry Insurance a Mutual Company, Sentry Lloyds of Texas, Sentry Select Insurance Company, Viking County Mutual Insurance Company, Viking Insurance Company of Wisconsin, Sequoia Insurance Company, Shelter Insurance Companies, Shelter General Insurance Company, Shelter Mutual Insurance Company, Sompo Japan Insurance, Inc., Sompo Japan Fire and Marine Insurance Company of America, Sompo Japan Insurance Company of America, Southern Group Indemnity, Inc., Southern Pioneer Insurance Companies, Southern United Fire Insurance Company, Southwest-Tex Leasing (Advantage Rent-A-Car) - Associate Member, Springfield Insurance Company, St. Paul Travelers Companies, American Equity Insurance Company, American Equity Specialty Insurance Company, Associates Insurance Company, Associates Lloyds Insurance Company, Atlantic Insurance Company, Automobile Insurance Company of Hartford, Connecticut, The, Charter Oak Fire Insurance Company, The, Commercial Guaranty Insurance Company, Discover Reinsurance Company, Discover Specialty Insurance Company, Discovery Property & Casualty Insurance Company, Farmington Casualty Company, Fidelity and Guaranty Insurance Company, Fidelity and Guaranty Insurance Underwriters, Inc., First Floridian Auto and Home Insurance Company, First Trenton Indemnity Company, Gulf Group Lloyds, Gulf Insurance Company, Gulf Underwriters Insurance Company, Mendakota Insurance Company, Mendota Insurance Company, Northfield Insurance Company, Northland Casualty Company, Northland Insurance Company, Pacific Select Property Insurance Company, Phoenix Insurance Company, The, Premier Insurance Company of Massachusetts, The, Red Oak Insurance Company, Seaboard Surety Company, Select Insurance Company, St. Paul Fire and Casualty Insurance Company, St. Paul Fire and Marine Insurance Company, St. Paul Guardian Insurance Company, St. Paul Medical Liability Insurance Company, St. Paul Mercury Insurance Company, St. Paul Protective Insurance Company, St. Paul Surplus Lines Insurance Company, Standard Fire Insurance Company, The, TravCal Indemnity Company, TravCal Secure Insurance Company, TravCo Insurance Company, Travelers Casualty and Surety Company, Travelers Casualty and Surety Company of America, Travelers Casualty and Surety Company of Illinois, Travelers Casualty Company of Connecticut, Travelers Commercial Casualty Company, Travelers Commercial Insurance Company, Travelers Excess and Surplus Lines Company, Travelers Home and Marine Insurance Company, The, Travelers Indemnity Company of America, The, Travelers Indemnity Company of Connecticut, The, Travelers Indemnity Company of Illinois, The, Travelers Indemnity Company, The, Travelers Lloyds Insurance Company, The, Travelers Lloyds of Texas Insurance Company, Travelers Personal Security Insurance Company, Travelers Property Casualty Insurance Company, Travelers Property Casualty Insurance Company of Illinois, United States Fidelity and Guaranty Company, USF&G Insurance Company of Mississippi, USF&G Specialty Insurance Company, Standard Mutual Insurance Company, Star Casualty Insurance Company, Inc., State Farm Group, State Farm County Mutual Insurance Company of Texas, State Farm Fire and Casualty Company, State Farm Florida Insurance Company, State Farm General Insurance Company, State Farm Indemnity Company, State Farm Lloyds, State Farm Mutual Automobile Insurance Company, State-Wide Insurance Company, Sterling Casualty Insurance Company, Sutter Insurance Company, Swiss Re Group, Altradius Trade Credit Insurance Company of New Jersey, Facility Insurance Corporation, North American Capacity Insurance Company, North American Elite Insurance Company, North American Specialty Insurance Company, Swiss Reinsurance America Corporation, Washington International Insurance Company, Texas Farm Bureau Group, Farm Bureau County Mutual Insurance Company of Texas, Southern Farm Bureau Casualty Insurance Company, Texas Farm Bureau Mutual Insurance Company, Texas Farm Bureau Underwriters, Tokio Marine & Nichido Fire USB Group, TM Casualty Insurance Company, TM Specialty Insurance Company, TNUS Insurance Company, Tokio Marine & Nichido Fire Insurance Co., LTD (U.S. Branch), Trans Pacific Insurance Company, Topa Insurance Group, Topa Insurance Company, Tower Insurance Company of New York, Toyota Motor Insurance Company, Tri-State Consumer Insurance Company, U.S. Security Insurance Company, Inc., ULICO Group, Ulico Casualty Company, Union Fidelity Life Insurance Company, United Automobile Insurance Group, Argus Fire & Casualty Insurance Company, United Automobile Insurance Company, United Midwest Insurance Company, United Equitable Group, American Heartland Insurance Company, United Equitable Insurance Company, Unitrin Business Insurance, Milwaukee Casualty Insurance Company, Milwaukee Mutual Insurance Company, Milwaukee Safeguard Insurance Company, Security National Insurance Company, Trinity Lloyd's Insurance Company, Trinity Universal Insurance Company, Trinity Universal Insurance Company of Kansas, Inc., Union National Fire Insurance Company, United Casualty Insurance Company of America, Valley Insurance Company, Valley Property & Casualty Insurance Company, Unitrin Direct, Unitrin Direct Insurance Company, Unitrin Direct Property & Casualty Company, Unitrin Specialty Lines Insurance, Alpha Property & Casualty Insurance Company, Charter Indemnity Company, Financial Indemnity Company, Unitrin County Mutual Insurance Company, Universal Casualty Company, Universal Underwriters Insurance Company, Universal Underwriters Life Insurance Company, Universal Underwriters of Texas Insurance Company, USAA Group, United Services Automobile Association, USAA Casualty Insurance Company, USAA County Mutual Insurance Company, USAA Garrison Property and Casualty Association, USAA General Indemnity Company, USAA Life Insurance Company, USAA Texas Lloyds Company, US Agencies Group, US Agencies Casualty Insurance Company, Inc., US Agencies Direct Insurance Company, Vanguard Car Rental - Associate Member, Alamo Rent A Car, National Car Rental, Vanguard Car Rental, W.R. Berkley Corporation, Acadia Insurance Company, Admiral Indemnity Company, Admiral Insurance Company, Berkley Insurance Company of Carolinas, Berkley Regional Insurance Company, Cadillac Mountain Insurance Company, Carolina Casualty Insurance Company, Chesapeake Bay Property and Casualty Insurance Company, Clermont Specialty Managers, LTD., Continental Western Casualty Company, Continental Western Insurance Company, Firemen?s Insurance Company of Washington, D.C., Great Divide Insurance Company, Great River Insurance Company, Nautilus Insurance Company, Tri-State Insurance Company of Minnesota, Union Insurance Company, Union Standard Insurance Company, Union Standard Lloyds, Wawanesa Insurance Group, Wawanesa General Insurance Company, Wawanesa Mutual Insurance Company, The, Western General Insurance Company, Western United Insurance Company, Westfield Group, American Select Insurance Company, Beacon Insurance Company of America, First Delaware Insurance Company, First Patriot Insurance Company, Ohio Farmers Insurance Company, Old Guard Fire Insurance Company, Old Guard Insurance Company, Westfield Insurance Company, Westfield National Insurance Company, Winterthur Swiss Group, Blue Ridge Indemnity Company, Blue Ridge Insurance Company, General Casualty Company of Illinois, General Casualty Company of Wisconsin, Hoosier Insurance Company, MassWest Insurance Company, Inc., Regent Insurance Company, Southern Fire & Casualty Company, Southern Guaranty Insurance Company, Southern Guaranty Insurance Company of Georgia, Southern Pilot Insurance Company, Unigard Indemnity Company, Unigard Insurance Company, Young America Insurance Company, Zurich North America, American Guarantee and Liability Insurance Company, American Zurich Insurance Company, Assurance Company of America, Centre Insurance Company, Colonial American Casualty and Surety Company, Empire Fire and Marine Insurance Company, Empire Indemnity Insurance Company, Fidelity and Deposit Company of Maryland, Maine Bonding and Casualty Company, Maryland Casualty Company, Maryland Insurance Company, National Standard Insurance Company, Northern Insurance Company of New York, Steadfast Insurance Company, Valiant Insurance Company, ZC Specialty Insurance Company, Zurich American Insurance Company, Zurich American Insurance Company of Illinois,
