InsureMax
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
Brand/structure: - InsureMax Insurance Company (NAIC 10922) is a non‑standard personal auto carrier within the AssuranceAmerica group; it is currently used as an underwriting paper/filing name rather than a standalone consumer brand. Policies and distribution are handled through AssuranceAmerica’s platform and independent agents. Preferred business (operational view based on group positioning): - Personal auto risks in the non‑standard segment: drivers with prior violations, at‑fault accidents, lapses in coverage, financial responsibility filings (e.g., SR‑22 in select states), or difficulty obtaining standard coverage. - State minimum and basic limits liability policies; value‑oriented physical damage on older and lower‑value vehicles, often with higher deductibles. - Business is written via independent agents appointed with AssuranceAmerica; InsureMax appears as underwriting company on some auto policy jackets and filings. Restricted / declined classes (inferred from non‑standard positioning and typical market practice; confirm per state filing and rating manual): - Preferred/standard tier auto likely not targeted; price and service built around non‑standard drivers. - Higher tolerance for violations/accidents than standard carriers, but extreme frequency, certain major convictions (e.g., recent DUI with multiple prior serious violations), or extensive loss history may still be declinable or heavily surcharged. - Complex commercial auto, fleets, long‑haul trucking, and non‑auto lines are generally out of appetite for InsureMax paper and instead handled (if at all) under other AssuranceAmerica products. Geographic notes: - AssuranceAmerica actively markets non‑standard personal auto in AL, AZ, FL (personal auto only), GA, IN, KS (renters only), NE, OH, OK, PA, SC, TN, TX, and VA, with some filings specifically referencing an InsureMax non‑scored auto program as a me‑too of the AssuranceAmerica program in at least South Carolina and other states. Treat InsureMax as an ancillary paper within the same geographic footprint, subject to state approvals and any regulatory orders. - Regulatory filings and NAIC data show InsureMax as part of the AssuranceAmerica group with authority in multiple states; always verify active certificate of authority and any consent orders before binding in a given state. Submission / underwriting process (via AssuranceAmerica ecosystem): - Business is submitted and rated through AssuranceAmerica’s agent portal and rating systems; InsureMax may be selected as the underwriting company behind the scenes based on state, program (e.g., scored vs non‑scored), and filing. - Typical non‑standard auto submission data set: full driver and household list, 3–5 year MVR and prior losses, garaging address, vehicle data (VIN, usage, ownership), prior insurance status, and any SR‑22/FR filing requirements. - Expect photo/inspection requirements and strict documentation on prior damage, garaging, and driver list; mid‑term changes and undisclosed drivers are often tightly controlled. Broker / producer notes: - Distribution is through appointed independent agents managed by AssuranceAmerica. Prospective agencies must apply through AssuranceAmerica’s “Become an Agent” process and meet production, loss ratio, and compliance standards. - InsureMax is generally not marketed directly; clients will see AssuranceAmerica branding on consumer‑facing materials even when InsureMax Insurance Company appears on the declarations page or policy jacket as the underwriting carrier. - Agent servicing, claims, billing, and technology (including the AssuranceAmerica+ mobile app) are centralized under AssuranceAmerica; producers should follow AssuranceAmerica’s manuals, bulletins, and state‑specific underwriting guides and treat InsureMax as one of the group’s underwriting entities rather than a separate program. Operational caveats: - Public, carrier‑authored appetite or producer underwriting guides specifically labeled "InsureMax" are not currently surfaced online; practical guidance must be taken from AssuranceAmerica’s non‑standard auto positioning and state filings and then refined using the internal manuals available in the agent portal. - Underwriters and agents should monitor state DOI filings and any consent orders or regulatory actions referencing InsureMax Insurance Company for changes to appetite, rating, or binding authority in affected states.