Las Tarifas Más Bajas De Seguro De Auto En Illinois | Illinois Insurance

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Applicant's Statement:

 

United Auto:

APPLICANT'S STATEMENT: THE APPLICANT STATES THAT THE APPLICATION MADE BY ME OR ON MY BEHALF ARE COMPLETELY TRUTHFUL TO THE BEST OF THE APPLICANT'S KNOWLEDGE AND BELIEF AND THAT SAID ANSWERS WERE MADE AS INDUCEMENT TO THE INSURANCE COMPANY TO ISSUE A POLICY, AND IT IS A SPECIAL CONDITION OF THIS POLICY THAT THE POLICY SHALL BE NULL AND VOID AND OF NO BENEFIT OR EFFECT WHATSOEVER AS TO ANY CLAIM ARISING THEREUNDER IN THE EVENT THAT THE ATTESTATION OR STATEMENT IN THIS APPLICATION SHALL PROVE TO BE FALSE OR IINSURANCE WHEN ISSUED AND THAT IT IS INTENDED THAT THE COMPANY SHALL RELY ON THE CONTENTS OF THIS APPLICATION IN ISSUING ANY POLICY OF INSURANCE OR RENEWAL THEREOF.

 

Unique:

APPLICANT'S STATEMENT:THE APPLICANT HERETO STATES THAT HE READ THIS APPLICATION AND ATTESTS THAT ALL ANSWERS GIVEN BY HIM TO THE QUESTIONS ASKED ARE THRUTHFUL TO THE BEST OF HIS KNOWLEDGE AND BELIEF AND THAT SAID ANSWERS WERE MADE AS AN INDUCEMENT TO THE INSURANCE COMPANY TO ISSUE A POLICY AND IT IS A SPECIAL CONDITION OF THIS POLICY THAT THE POLICY SHALL BE NULL AND VOID AND OF NO BENEFIT OR EFFECT WHATSOEVER AS TO ANY CLAIM ARISING THEREUNDER IN THE EVENT THAT THE ATTESTATIONS OR STATEMENTS IN THIS APPLICATION SHALL PROVE TO BE FALSE OR FRAUDULENT IN NATURE. IT IS UNDERSTOOD THAT IT IS THE INTENT THAT THE COMPANY SHALL RELY ON THE CONTENTS OF THIS APPLICATION IN ISSUING ANY POLICY OF INSURANCE OR RENEWAL THEREOF.

 

 

Interstate:

APPLICANT'S STATEMENT : The applicant states that the application was read and attests that all answers are truthful to the best of the applicant's knowledge and belief and that said answers were made as inducement to the insurance company to issue a policy, and it is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that this application shall be part of the policy of insurance when issued and that it is intended that the company shall rely on the contents of this application in issuing any policy of insurance or renewal thereof.

 

United Equitable/American Heartland:

APPLICANT'S STATEMENT: I hereby apply for the insurance indicated and warrant: (1) that I have read this application., (2) that all facts and answers are fully true, correct, and complete: and if the facts and answers are found not to be fully true, correct, and complete, A.H.I.C. reserves the right to make null and void any binder or policy of insurance coverage on anyone covered by said binder or policy which is issued as a result of this from the date of its inception or the execution of this application, whichever occurs first, regardless of whether or not a premium payment is accepted coincident with the taking of this application, (3) that I fully understand that any insurance policy issued as a result of this application will be based solely upon the facts and answers stated, (4) that I am the sole owner of the described automobile(s), except as otherwise stated, (5) that I agree to let A.H.I.C. obtain a copy of my Motor Vehicle Driving Record, (6) that all drivers listed above have a valid driver's license.

  

Founders:

APPLICANT'S STATEMENT: The applicant hereto, states that he/she read this application and attests that all answers given by him to the questions asked herein are truthful to the best of his knowledge and belief and that said answers were made as inducement to the insurance company to issue a policy, and it is a special condition of this policy that it shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that NO COVERAGE will be effective if the check given as a down payment is not honored by the bank upon which it is drawn.

  

Apollo:

APPLICANT'S STATEMENT: The applicant states that the application was read and attests that all answers are truthful to the best of the applicant's knowledge and belief and that said answers were made as an inducement to the insurance company to issue a policy, and it is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that a copy of this application shall be attached to and form a part of the policy of insurance when issued and that it is intended that the company shall rely on the contents of this application in issuing any policy of insurance or renewal thereof.

 

Delphi:

APPLICANT'S STATEMENT: The applicant states that the application was read and attests that all answers are truthful to the best of the applicant's knowledge and belief and that said answers were made as an inducement to the insurance company to issue a policy, and it is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that a copy of this application shall be attached to and form a part of the policy of insurance when issued and that it is intended that the company shall rely on the contents of this application in issuing any policy of insurance or renewal thereof.

 

American Freedom:

1)The applicant states that he/she have read the application and attest that all facts and answers provided to the agent of the applicant  are completely truthful. (2) If a policy is issued it is in reliance and as an inducement to American Freedom based on the facts and answers contained herein. (3) It is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising thereunder if the attestations representations or statements in this application are false, fraudulent or misleading in nature or contain an omission(s), regardless of whether or not a premium with the preparation of this application.  (4) It is certified that all persons age 14 and over who live in the applicants household and all operators of the vehicle(s) described in application are shown above and the vehicle(s) are registered in Illinois of which the applicant is a resident. (5) As part of American Freedom's policy issuance procedures, a routine inquiry will be made to obtain the driving record of all drivers. (6) It is understood there is no coverage if the down payment for the premium submitted is by check or credit card and the payment is dishonored. (7) It is understood that this application shall be a part of the policy of insurance when issued and that American Freedom shall rely on this application in issuing any policy of insurance or renewal thereof.

 

 

Affirmative:

Applicant's Statement: Applicant states that s/he has read this application and attests that all information given by him/her is truthful and that said information was made as inducement to the insurance company to issue a policy. It is a special condition of this policy that this policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the information in this application shall prove to be false or fraudulent in nature. It is understood that it is intended that the Company shall rely on the contents of this application in issuing any policy of insurance Further, it is understood and agreed by the applicant that if the initial premium remitted by him/her or on his/her behalf is not honored by the payor (financial institution), the policy shall be NULL and VOID. The applicant will be liable for and agrees to reimburse Company by the applicant. If your check is returned or rejected for any reason, you expressly authorize your account to be electronically debited for the amount of the check plus a processing fee of $25.00 or the maximum allowed by law. This check recovery policy shall have no impact on any cancellation or non-renewal date and time of which you are advised. If full payment is received as a result of this check recovery policy on a policy that it not in-force, and the company in its discretion reinstates or renews your policy, you shall be advised separately in writing. We have the right, but not the obligation, to exercise our rights under this check recovery policy.

 

Underwriting Companies

Motor vehicle insurance policies are underwritten by the following insurance companies:

United Automobile Insurance Company
724 Enterprise Drive, Oak Brook, IL 60523
State of Domicile: FL

Unique Insurance Company
4245 North Knox, Chicago, IL 60641
State of Domicile: IL

Interstate Bankers Casualty Company
8501 W. Higgins Road, Suite 710, Chicago, IL 60631
State of Domicile: IL

United Equitable Insurance Company
5700 Old Orchard Road, Skokie, IL 60077
State of Domicile: IL

American Heartland Insurance Company
5700 Old Orchard Road, Skokie, IL 60077
State of Domicile: IL

Founders Insurance Company
1645 East Birchwood Avenue, Des Plaines, IL 60018-3091
State of Domicile: IL

Apollo Casualty Company
1001 E. Touhy Avenue, Sute200, Des Plaines, IL 60018
State of Domicile: IL

Delphi Casualty Company
P.O. Box 5090, Des Plaines, IL 60017
State of Domicile: IL

American Freedom Insurance Company
559 West Golf Road, Arlington Heights, IL 60005
State of Domicile: IL

Affirmative Insurance Company
150 Harvester Drive, Suite 300, Burr Ridge, IL 60527-5965
State of Domicile: IL


Please Read all of these sections carefully, these terms and conditions is an important part of your insurance contract and all subsequent renewals, endorsements and additions:

 

Using this websites online payment option is conditional evidence of payment received by Worldwide Insurance Services Inc. (hereinafter referred to as "Worldwide") either for payment for Worldwide or on behalf of Worldwide Premium Payment Services Inc. ( hereinafter referred to as "Finance Company") Any payment which was made in a form other than cash is accepted subject to the payment (check, credit card etc.) being honored, paid on first presentation and/or disputed. The Customer agrees that Worldwide and / or Finance Company shall be entitled to a return check fee of $25.00 and reasonable attorney fees, collection costs and expenses to collect any and all monies due for all premiums due, whether earned prior to or subsequent to date of payment.

 

Appointment as Broker/Terms: The Customer using this website (on behalf of all parties at interest) appoints Worldwide Insurance Services Inc. as broker of record and also as attorney in fact and grants power of attorney to Worldwide to place any and all coverages requested. The Customer Agrees:

 

1.)    Proper Deposit: Coverage will be placed only upon the receipt of the proper deposit (25% for annual policies and 40% for 6 month polices) is received and acknowledges that Worldwide will not advance funds on the Customers behalf.

2.)    Customer Representations: Worldwide will make representations to insurance companies based on the statements and representations made by the Customer concerning (by way of illustration and not limitation) driving record and claim history and agrees to hold harmless Worldwide, its heirs and assigns from any and all costs (including but not limited to attorney's fees and other costs) arising from any error, omission or misrepresentation of the Customer.

3.)    Effect of Misrepresentation: The insurance carrier with whom the insurance was placed has the sole authority to accept or decline any and all coverages. If the Customer has made any misrepresentation, omission (intentional or inadvertent) or supplied incorrect information the insurance company, at their sole discretion, may void or refuse to provide the coverage requested.

4.)    Timely placement of Coverage: Worldwide must process the online application and transmit it to the insurance company before coverage can begin. Please allow processing time. Worldwide is not responsible for delays outside of their control, which may delay coverage.

5.)    Cancellation Fees: In the event of early cancellation ( by either customer request or for non-payment of premiums or by insurance company) the Customer is responsible for an additional fee of $95.00 in the event insurance is cancelled before a 45 day period or $79.00 fee in the event insurance is cancelled before the end of policy term. If a policy is cancelled three times for non-payment, an additional fee of $60.00 will apply.

6.)    Service Fee: Worldwide will charge a $40.00 service fee for each policy sold.    

 

Separate Written Memorandum

The customer hereby authorizes Worldwide Insurance Services Inc. to secure, negotiate and procure the placement of the insurance coverage and to assist the online user in the preparation of any and all applications, underwriting data, ect., which may be required to procure the said insurance coverage. The Customer hereby authorizes the broker to commit to said coverage and agree to pay as compensation to Worldwide Insurance Services Inc. in addition to the premium a fee of up to %40 of the premium amount for services rendered and expenses incurred in the securing of said coverage. This agreement shall serve as written memorandum required under Section 500-80 of the Illinois insurance code, (215 ILCS 5/500-80.) (This service fee is fully earned and is non-refundable and was quoted to you at the time of your online purchase.)

 

Premium finance: If premium is not paid in full at time of application or endorsement, the insured(s) agree to be bound by the terms and conditions of the current premium finance contract of Worldwide Premium Payment Services Inc. a copy of which is attached and forms a part of this agreement. The Customer using this website on behalf of all insured's grant limited Power of attorney to complete and sign this contract on their behalf. Certain fees, called agent's assistance compensation shall be a part of the charges paid through the premium finance contract, however no interest shall be charged on these fees and the Finance Company is merely acting as a collection agent for Worldwide.

 

 

FINANCE COMPANY TERMS AND CONDITIONS

 

WITNESSETH That in consideration of the payment by the Finance Company ("The Co.") to the respective insurance companies, or their agents, of the balance of the premiums upon the policies of insurance herein before described on the emailed finance contract at the time of purchase (which) policies have been issued and delivered to the Assured at his request) the Assured promises to pay to the Finance Company the amount shown in the completed schedule on the emailed finance contract at the time of purchase under the caption "Total of Payments, with service charge thereon as in said Schedule provide; and the Assured agrees with the Finance Company as follows :

 

1)       In the event that default be made in the payment of any payment payable hereunder, or if bankruptcy proceedings be instituted by or against any of the insured, or a receiver of property of any of the insured be appointed, then the full amount payable hereunder shall, at the option of the Co., become forthwith due and payable and the Co. shall have the right to cancel said policies and collect and receive all return or unearned premiums hereon or the proceeds of a loss hereunder, retain the amount owing hereunder, and remit any surplus to the insured. Default in payment of installation hereof shall be deemed to be a request for cancellation of said policies by the insured and for notice of such cancellation to be given by the Co. to said insurance companies or agencies.

 

2)       The unpaid balance may be paid in full at any time without penalty, except as described herein. If the amount financed hereunder is $500.00 or less, then that portion of the finance charge over $20.00 will be refunded based on the "Rule of 78s". If the amount financed hereunder is over $500.00 then that portion of the finance charge over $30.00 will be refunded based on the "Rule of 78s. If the amount financed hereunder is over $1,000. 00 then that portion of the finance charge over $40.00 will be refunded based on the "Rule of 78s".

 

3)       The Insured assigns to the finance company as security, all of their rights, title and interest in and to each of the financed policies and all rights therein including all unearned and return premiums. The undersigned further warrants that a fully completed copy of this agreement has been furnished the insured

 

4)       The finance charge made herein begins at the earliest beginning date of the policy or policies assigned to the holder hereof as security for the amount due.

 

5)       The Undersigned agrees to pay a delinquency charge of five per cent (5%) of any installment in default hereunder, however, said delinquency charge shall not be less than $1.00.

 

6)       The Insured hereby irrevocably appoints the Co., its officers and agents, as their attorneys in fact with power to cancel the policies of insurance, or any of the, to receive and receipt. In the name of the Insured, all monies hereafter payable to the Insured as above set forth, including the proceeds of any loss so payable. The Insured hereby releases and discharges and agrees to hold harmless the Co. and its officer, agents and employees from any liability or cause of action by reason of any such cancellation.

 

7)       Each of said insurance companies is hereby authorized to rely upon all statements made by the Co. as to every matter pertaining to this contract and said policies.

 

8)       No waiver by the Co. of any default shall be construed as a waiver of any other or subsequent default nor impair or affect any rights or remedies incident thereto. The Co. shall not be under any liability hereunder as an insurer. The entire contract between the parties hereto is contained herein and there are no other conditions, provisions, understandings or undertakings.

 

9)       The Co. shall have the right to accept any payment or payments from the insured after notice of cancellation has been sent to the  insurance companies and may hold such monies for the insured or apply them as a reduction of the indebtedness hereunder and neither the acceptance nor the application of any such payment or payments shall constitute an undertaking on the part of the Co. to continue the said insurance in force or to take steps to reinstate such insurance or constitute a waiver of any default hereunder. In the event the Co. requests reinstatement of such insurance the Co. assumes no responsibility that such request will be received or honored by the insurance company, and Insured must verify the existence of coverage directly with the insurance company or its agent.

 

10)    The Insured hereby agrees that the surrender of the policy or policies or certificate or certificates shall not be necessary to entitle the Co. to receive any such return premiums or proceeds of loss and hereby authorize each of the here in named insurance companies to pay to the Co. any and all such return premiums and proceeds of loss otherwise payable hereunder without requiring the surrender of any policy or certificate.

 

11)    The Co. may, with or without notice to the undersigned, assign its right, title and interest in, to and under this Agreement and the collateral herein described and all rights of the Co. hereunder upon such assignments shall vest in the assignee.

 

12)    The Insured understands and agrees that no agent or broker soliciting and/or writing any of said policies was or is the agent of the Co. all such agents or brokers having acted solely as agents of the undersigned or of the insurance, companies. No acts, representations, promises or warranties of any such agents or brokers with respect to this contract or any of said policies shall be binding upon the Co. and the insured states that they have not dealt with, and agree that they will not in the future deal with, any of the insurance companies or any agent or broker as the agent of the Co.

 

13)    The records of the Co., showing the mailing of any notice, shall be conclusive evidence of the due and proper mailing of such notice at the time and in the manner shown by such records. The Co. shall not be required to take notice of the change of any address of any of the undersigned unless written notice thereof shall have been receive by it.

 

14)    The Co. is hereby authorized to pay the above mentioned balances of premiums to insurance companies issuing such policies or their respective agents.

 

15)    Where a payment is in default, the Co. agrees that not less than 10 days written notice shall be mailed to the Insured of the intent of the Co. to cancel the insurance policy unless the default is cured within such 10 day period.

 

16)    This Contract shall be construed in accordance with and governed by the laws of the State of Illinois. In the event of the invalidity of any provision of this Agreement, such invalid provision shall not invalidate the remaining portions of this contract.

 

 

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of sex or marital status. The Federal agency which administers compliance with this law concerning this premium finance company is the Federal Trade Commission, 730 Peachtree Street, N.E., Room 800, Atlanta, Georgia 30308. Rev. 10/82