Acceptance Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Public, carrier-specific underwriting or appetite manuals for First Acceptance Insurance Company (FAIC) are not posted on an open producer site. Available official disclosures show that FAIC is a non‑standard private passenger auto writer, selling primarily through independent agents following the December 1, 2023 sale of its captive retail agency subsidiary. Preferred / target business: - Non‑standard private passenger auto risks: drivers who have difficulty obtaining standard coverage due to prior lapses in insurance, adverse driving records, or other risk characteristics. The company’s annual report describes its core book as non‑standard personal auto written on its own paper through independent agents in multiple states. ([firstacceptance.com](https://www.firstacceptance.com/hosting/investor-relations/FAC-2024-Annual-Report.pdf?utm_source=openai)) - Business is concentrated in personal auto liability and physical damage, with some states also offering a renters product underwritten by FAIC affiliates; however, public material does not specify detailed appetite by tier or driver profile. ([firstacceptance.com](https://www.firstacceptance.com/hosting/investor-relations/FAC-2024-Annual-Report.pdf?utm_source=openai)) Restricted / declined classes (inferred from role as a non‑standard auto monoline carrier): - Commercial auto, trucking, and specialty commercial transportation are not indicated as part of the product set and should be assumed out of appetite unless a specific program agreement states otherwise. - Homeowners, businessowners, and other P&C lines are not listed as FAIC‑underwritten products; any such coverages offered through prior retail locations were third‑party carrier placements and not underwritten by FAIC. ([firstacceptance.com](https://www.firstacceptance.com/hosting/investor-relations/FAC-2024-Annual-Report.pdf?utm_source=openai)) - No public documentation lists explicit prohibited driver or vehicle categories (e.g., exotic vehicles, certain youthful operators); these are governed by internal underwriting guides accessible only via the agent systems. Geographic footprint / licensing: - The First Acceptance insurance pool consists of First Acceptance Insurance Company, First Acceptance Insurance Company of Georgia, and First Acceptance of Tennessee. A recent Pennsylvania market conduct report notes FAIC is licensed in 26 states, including AL, AZ, AR, CA, CO, FL, GA, IL, IN, IA, KS, KY, LA, MO, MS, NM, NV, OH, OK, PA, SC, TN, TX, UT, and WV. ([insurance.pa.gov](https://www.insurance.pa.gov/Regulations/Regulatory%20Actions/Documents/Current%20Market%20Conduct/Final%20Exam%20Report-%20First%20Acceptance.pdf?utm_source=openai)) - The 2024 annual report states that, post‑sale of its retail agency, FAIC now writes its own policies through independent agents in 15 active states and holds licenses in an additional 11 that are not currently utilized, indicating that state availability and appetite may differ from mere licensing. ([firstacceptance.com](https://www.firstacceptance.com/hosting/investor-relations/FAC-2024-Annual-Report.pdf?utm_source=openai)) - Products and features are explicitly stated as subject to underwriting criteria and may not be available in all states. ([acceptance.com](https://www.acceptance.com/newsroom/celebrating-54-years-of-insurance-coverage/?utm_source=openai)) Submission / distribution expectations: - Following the December 1, 2023 sale of Acceptance Insurance Agency of Tennessee to Alliant, FAIC shifted from a captive retail agency model to distribution via independent agents, including a production agreement with the buyer and at least one technology‑driven independent agent that accounts for a significant portion of written premium. ([markets.financialcontent.com](https://markets.financialcontent.com/prnews.pressrelease/article/accwirecq-2023-12-4-first-acceptance-corporation-announces-sale-of-retail-insurance-agency-operations-to-alliant-insurance-services?utm_source=openai)) - Independent agents must be appointed with First Acceptance; the “Become an Agent” page highlights access to underwriting support for eligibility questions at new business and endorsement, and dedicated training on systems and products. This indicates that submissions and eligibility clearance are expected to flow through FAIC’s proprietary agent systems, not general comparative raters alone. ([firstacceptance.com](https://www.firstacceptance.com/agents/become-an-agent/?utm_source=openai)) - Customer self‑service (My Account) and online claim reporting are provided, but there is no open producer portal for quoting or appetite visible without credentials. Policy search and servicing functions are behind a secure interface. ([firstacceptance.com](https://www.firstacceptance.com/agents/become-an-agent/?utm_source=openai)) Broker / producer notes: - FAIC positions itself as a partner to agencies, offering: (1) underwriting support for risk eligibility and billing/endorsement questions; (2) a full‑time trainer for systems and product knowledge; (3) extended customer service hours; and (4) a substantial internal claims organization and online FNOL. Producers are expected to leverage these resources for placement and servicing rather than relying on informal work‑arounds. ([firstacceptance.com](https://www.firstacceptance.com/agents/become-an-agent/?utm_source=openai)) - There is no public indication of broad delegated binding authority to agents; binding parameters and any underwriting authority would be defined in individual agency agreements, not in public guidelines. Operational guidance for placing business: - Treat FAIC as a personal non‑standard auto carrier focused on higher‑risk private passenger drivers; confirm state availability, eligible driver/vehicle characteristics, and documentation needs directly with FAIC underwriting or through the appointed agent portal for each submission. - For risks outside non‑standard personal auto (e.g., commercial auto or property lines), assume out of appetite with FAIC and place via other markets or third‑party carriers, even if the producing agency historically wrote such coverages through the old Acceptance retail storefront. - Because the detailed underwriting manual is not public, do not rely on generic non‑standard auto assumptions (e.g., maximum points, SR‑22 rules, foreign licenses) without confirming via FAIC’s underwriting support channel or current program bulletins. Due to the absence of a publicly exposed underwriting or appetite guide, the above summary focuses on verified corporate, regulatory, and agent‑facing information and should be supplemented with carrier‑provided guides available inside the FAIC agent portal or via your marketing rep.