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FREQUENTLY ASKED QUESTIONS

 

Personal Auto

Commercial Auto

Miscellaneous

 

 

 

 

 

 

 

 

 

 

 

Personal Auto

  1. My policy has been cancelled.  Why did the carrier/agent mention the Wisconsin Automobile Insurance Plan?
  2. Can you give me a quote on auto insurance?
  3. When will the coverage be bound?
  4. What type of payment plan do you have available?
  5. What liability limits do you provide?
  6. What if there are two violations on the same day on a motor vehicle record?
  7. Can I be cancelled or non-renewed, and if so, for what?
  8. What if I complete my four year assignment period and I have a good record?
  9. I am quoting a premium for a private passenger policy.  Where do I find the list of convictions with corresponding penalty points?
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  1. My policy has been cancelled.  Why did the carrier/agent mention the Wisconsin Automobile Insurance Plan?

All insurance companies MUST mention our name on every cancellation or non-renewal notice per the Wisconsin state statutes whether you need us or not.  We are a service for people who can't get automobile coverage anywhere else at any price.

 

  1. Can you give me a quote on auto insurance?

The Wisconsin Automobile Insurance Plan does not quote insurance premiums.  Any insurance agent who is licensed in Wisconsin can provide you with a quote through the Plan, however you must specifically ask about the Plan.  The agent will provide you with a quote based on your needs, and if agreed upon, the agent will submit all paperwork and a deposit check to our office.

 

  1. When will the coverage be bound?

Assuming all required information is accurately provided, coverage is effective 12:01 AM on the day following receipt of the application in our office.

 

  1. What type of payment plan do you have available?

We have three options available:

  • FULL ANNUAL PREMIUM - monies are all paid up front.
  • ADVANCE PREMIUM PAYMENT - 40% of the estimated annual premium is submitted with the application and the balance is paid in 30 days.
  • INSTALLMENT PREMIUM PAYMENT - 40% of the estimated annual premium is submitted with the application.  After 90 days the company will bill 30% of the estimated premium and in another 90 days, the final 30% will be billed. (It's an annual policy paid in 6 months.)  There is a $4.00 charge per installment.  This option is not available if any portion is premium financed.

  1. What liability limits do you provide?
Liability limits include:
Bodily InjuryProperty Damage
25/50 $10,000
50/100$25,000
100/300$50,000

We also offer medical payments, uninsured motorists coverage, underinsured motorist coverage, and physical damage coverage.  Physical damage coverage must have the same deductible for BOTH comprehensive and collision coverage.

Physical damage deductibles are:
$100
$250
$500

 

  1. What if there are two violations on the same day on a motor vehicle record?

The Plan charges for both violations/accidents if they happen on the same day.

 

  1. Can I be cancelled or non-renewed, and if so, for what?

Yes, you may be cancelled or non-renewed for nonpayment of premium or for not having a valid driver's license.  As long as you maintain eligibility under the current Plan rules, your policy will automatically renew each year, for four consecutive years.

 

  1. What if I complete my four year assignment period and I have a good record?

After you have completed three years in the Plan with a satisfactory record* and before the end of the fourth and final year of your assignment period, your assigned company will:

Notify you and your agent that you may be eligible for coverage in the voluntary market. The voluntary market is defined as standard or high risk automobile insurance. It is the hope of the Plan that your agent will be able to place your insurance coverage elsewhere.

-OR-

Your assigned company in the Plan may write your insurance at its regular rates starting at the expiration of the four year assignment period if you are eligible under the Plan rules.

If at the end of your four year assignment period, you are still not able to secure coverage elsewhere, you may apply for an additional four year assignment.  You may repeat this process indefinitely.

(*) A satisfactory driving record is defined as having no at fault accidents or violations or any physical damage claim in the last three years of the four year assignment period.

 

  1. I am quoting a premium for a private passenger policy.  Where do I find the list of convictions with corresponding penalty points?

The Wisconsin Driver Licensing Abbreviation Codes with Charges and Points can be found on the Wisconsin Department of Transportation Web site.

 

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Commercial Auto

  1. Can you give me a quote on auto insurance?
  2. When will the coverage be bound?
  3. Your application does not have a place to list drivers. Why not?
  4. What type of payment plan options can I have?
  5. What kinds of limits do you write?
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  1. Can you give me a quote on auto insurance?

The Wisconsin Automobile Insurance Plan does not quote any insurance premiums.  Any insurance agent who is licensed in Wisconsin can provide you with a quote through the Plan, however, you must specifically ask about the Plan.  The agent will provide you with a quote based on your needs.  If agreed upon, the agent will submit all paperwork and a deposit check to our office.

  1. When will the coverage be bound?

The Servicing Carrier will bind coverage at 12:01 a.m. on the day following a properly completed application received at the plan office.  If limits are needed in excess of $1,000,000 CSL and reinsurance is required, coverage will be bound when the reinsurance is secured.

  1. Your application does not have a place to list drivers. Why not?

If coverage is $1,000,000 CSL or less, the Plan goes strictly off the losses of the business.  Driver information is required when limits exceed $1,000,000 for reinsurance purposes.

  1. What type of payment plan options can I have?

We have three options available:

  • FULL ANNUAL PREMIUM - monies are all paid up front.
  • ADVANCE PREMIUM PAYMENT - 25% of the estimated annual premium is submitted with the application and the balance is paid in 30 days.
  • INSTALLMENT PREMIUM PAYMENT- 25% of the estimated annual premium is due with the application.  The servicing carrier will then take the remaining amount and divide it into 9 installments, however, each installment must be at least $200.00.  There is a $4.00 charge per installment. This option is not available if any portion is premium financed.
  1. What kinds of limits do you write?
Liability Combined Single Limits include:
$     60,000
$   100,000
$   200,000
$   350,000
$   500,000
$   750,000
$1,000,000

We can also provide higher liability limits if it is required by federal, state or local ordinance.  The Plan provides uninsured motorist coverage, medical payments, and underinsured motorist coverage.  The Plan DOES NOT provide any physical damage coverage on a commercial policy.

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Miscellaneous

  1. Why did my voluntary auto insurance policy get canceled or non-renewed?
  2. What type of deposit check needs to accompany the application?
  3. Where can I get current applications and/or manuals?
  4. Does the agent have binding authority?
  5. How can I get out of the Plan early and into the voluntary market?
  6. What if I feel I've been treated unfairly?
  7. What if I need a SR-22 filing? (financial responsibility filing)
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  1. Why did my voluntary auto insurance policy get canceled or non-renewed?

The Plan does not send out cancellation or non-renewal notices.  This usually is from your current automobile insurance company.  Our name is mentioned on the notice because of a state law that you are aware of our services.  The Plan cannot explain why you were cancelled or non-renewed by your company.  You must contact either your insurance agent or the company who is canceling you for that reason.

 

  1. What type of deposit check needs to accompany the application?

All deposits must either be a certified check, cashier's check, agency check, or money order, and made payable to the Wisconsin Auto Insurance Plan.

 

  1. Where can I get current applications and/or manuals?

Current applications can be obtained from either our Web site or directly from Acord. Acord produces special forms specifically for the Wisconsin Automobile Insurance Plan. The current forms are:

TypeForm
Private Passenger AutomobileAcord 97 WI
Business AutoAcord 177 WI
TruckersAcord 178 WI


A current combined Wisconsin Auto Manual is available on AIPSO's Web site in a PDF printable format at no cost.

 

  1. Does the agent have binding authority?

Agents who submit applications to the Plan have no binding authority.

 

  1. How can I get out of the Plan early and into the voluntary market* ?

Whenever you are able to secure coverage elsewhere, you may cancel your Plan policy with no penalty. All premiums will be calculated on a pro rata basis for actual time used.
(*) The voluntary market is defined as standard or high risk automobile insurance.

 

  1. What if I feel I've been treated unfairly?

First, you should contact your agent and/or the assigned company and attempt to resolve the issue.

Second, if you are not satisfied with the result, contact the Plan. The staff at the Plan office will attempt to resolve the problem in a manner acceptable to all parties.

Finally, the Wisconsin Office of the Commissioner of Insurance, 125 South Webster Street, Madison, WI 53703, telephone 608-266-3585 or 800-236-8517, will review and investigate any complaints brought to their attention.

 

  1. What if I need a SR-22 filing? (financial responsibility filing)

The Carrier or Company assigned to the applicant will make the necessary SR-22 filing and mail the filing to the Department of Transportation in Madison, Wisconsin.

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