Auto Insurance Consumers Bill Of Rights

• You have the right to purchase auto insurance coverage.

• You have the right to be treated fairly by your insurance company.

• You have the right to be given written reasons if you have been denied auto insurance.

• You have the right to keep your policy in place if you pay your premiums and meet the responsibilities.

• You have the right to pay your auto insurance premium in monthly installments.

• You have the right to keep your policy in place if you pay your premium within 30 days following one or two non-sufficient funds (NSF) situations.

• You have the right to be informed in writing if your policy is not being renewed.

• You have the right to change or cancel your insurance policy at any time.

• You have the right to remain with your insurance company even if that company no longer sells insurance through your broker.

• You have the right to know from which companies your broker received quotes and the amounts.

• You have the right to prompt and fair handling of claims.

• You have the right to a reasonable repair of your damaged vehicle.

• You have the right to choose a repair shop, tow operator or vehicle rental company.

• You have the right to receive information about accident benefits.

• You have the right to dispute your insurance company’s refusal to pay benefits.

• You have the right to choose your healthcare provider.
•  You have the right to register a complaint about your insurance company.

• You must insure your vehicle and retain your proof of insurance (pink slip) while driving.

• You must pay your premium in a timely fashion.

• You must give true and accurate information to your insurer and complete all forms promptly.

• You must promptly let your insurer know about any change in circumstances that could affect your insurance situation, including if you are involved in any accident.

• You must provide your insurer with updated information when requested.

• If you are claiming accident benefits, you must send your insurer a completed accident benefits package on time.

• If you are claiming accident benefits, you must attend medical examinations requested by your insurer that is reasonably necessary to evaluate your claim.

• If you receive accident benefits from your insurer, you must participate in treatment and rehabilitation, and try to get back to work.