Personal Automobile Insurance

Founders is the preferred choice of agents for non-preferred automobile risks. Writing personal, private-passenger automobile insurance in Illinois, Indiana, Ohio and Wisconsin, Founders specializes in handling the most difficult risks. Whether the problem is poor driving record, poor credit score, financial responsibility requirements, an international or out-of-state license, or coverage lapses, Founders offers the coverage and service you require. Here’s why:

COMPETITIVE PROGRAMS
  • No credit scoring (Excludes Ohio Private Passenger Auto Program)
  • SR22 filing
  • International and out-of-state driver’s licenses
  • Limits up to $100,000 / $300,000 / $50,000
  • Complete online capabilities, including:

Quoting, binding and policy issuance
Payments (check, credit card, or trust account sweep)
Endorsements
Document reprinting
Renewals
Claim reporting
Form downloads

  • Attractive commissions
  • Supplemental products offered monoline or by policy endorsement
  • Direct-bill or agency-bill invoicing
  • Dedicated Spanish and Polish-speaking underwriting, billing and claims staff (including loss intake, adjusting, and vehicle appraising)
  • State-of-the-art imaging system for underwriting and claim handling


UNDERWRITING
  • Online chat with an underwriter, in addition to telephone and email access
  • Electronic transmission of SR22s to most state motor vehicle departments
  • Electronic transmission of notifications to lienholders

CLAIMS
  • Adjuster contact to policyholders within 24 hours on new claims
  • Drive-in appraisals available in many areas
  • Direct access to management
   Quick Facts

  • Offered in Illinois, Indiana, Ohio and Wisconsin
  • Limits up to $100,000/$300,000/$50,000
  • Electronic SR22 filing
  • International and out-of-state licenses
  • No credit scoring (Excludes Ohio Private Passenger Auto Program)



Optional Endorsements

ACCIDENTAL DEATH COVERAGE

Thousands of Americans are fatally injured in automobile accidents every year. Accidental death coverage provides much-needed funds to policyholders’ families for final services and household expenses.

Sold as an optional endorsement to a Founders’ automobile policy, this coverage provides payment of the $5,000 policy limit for the accidental death to the policyholder (or his spouse if a resident of the same household) if he dies as a result of a collision while riding in his owned automobile. Because the policyholder must be riding in his owned automobile, this coverage is not available on non-owner policies. By selling this coverage endorsement, you’ll earn a higher producer commission on this coverage!

   Quick Facts

  • Offered in Illinois, Indiana, Ohio and Wisconsin
  • Sold as an endorsement to a Founders’ automobile policy
  • $5,000 policy limit
  • Covers policyholder and spouse, if a resident of the same household
  • Increased producer commission
LEGAL EXPENSE COVERAGE

Municipalities are narrowing budget shortfalls with traffic citation revenue, and policyholders are struggling to afford legal representation when they need it the most. Subject to some exclusions, legal expense coverage reimburses the policyholder up to $500 during the policy period for attorney fees and expenses incurred to defend a citation for a moving violation while driving his owned automobile. Examples of moving violations include:

  • Speeding
  • Improper lane usage
  • Improper passing
  • Disregarding a traffic control device
  • Following too closely
  • Improper stop or turn
  • Failure to yield the right-of-way
  • Unsafe movement
  • Driving too fast for conditions
  • Driving during revocation/suspension
  • Leaving the scene of an accident
  • Driving under the influence of alcohol
  • Reckless driving
  • Failure to stop for school bus
  • Failure to stop at railroad crossing
  • Negligent driving
  • Improper pushing/towing
  • Driving the wrong way on a one-way street

The $500 limit can be exhausted for the defense of one citation or for multiple citations during the policy period. Policyholders select their own legal representation. Of course, due to public policy reasons, Founders cannot reimburse the fine and other penalties and costs on the citation itself.

Legal expense coverage is sold as an optional endorsement on a Founders’ automobile policy. Because the coverage requires the policyholder to be driving his owned automobile, this coverage is not available on non-owners’ policies. The legal expense coverage endorsement earns you a higher commission too!

   Quick Facts

  • Offered in Illinois, Indiana, Ohio and Wisconsin
  • Sold as an endorsement to a Founders’ automobile policy
  • $500 policy limit
  • Covers policyholder and spouse, if a resident of the same household
  • Increased producer commission