What kind of deposits are acceptable?
The deposit check
must be a cashier’s check, applicant’s check, producer’s check, or money order
payable to the ALAIP.
What payment options are available to the insured?
Full annual
premium is required on all applications. Refer to Section 24 & 40 of the Plan
Are applicants that are in the military required to
hold an Alabama license/registration?
In order to be
eligible for the Plan, persons in the military must either have there vehicle
registered in Alabama or be stationed in Alabama.
How are complaints filed?
Any
complaint must be put in writing either mailed or faxed to our office. The
complaint will be reviewed and recorded, and appropriate action taken to resolve
the matter.
Do I charge points for a seat belt violation?
No. The only
equipment violation that is chargeable is improper brakes. (View list of
one-point moving traffic violations)
How long do I charge for points?
Points are charged
on applicable convictions and accidents that occur during the experience period
which is the 36 months immediately preceding the effective date of coverage
and/or date of renewal.
Does the Plan offer rating disc or quotes?
Producers may access the Plan's private passenger rating engine at
www.aipso.com/easi . This rating engine is integrated with the EASi private
passenger mechanism and allows producers to calculate an estimated rate for
certain private passenger risks. It is up to the individual producer to rate
any policies not available to be rated through the EASi rating system by using
the AL Plan Manual or by obtaining a rating disc from an independent vendor.
Commercial
rating is the responsibility of the producer to rate policies using the Plan
Manual.
How do I handle vehicle
additions/deletions/charges?
A completed policy
change request form must be mailed to the Service Center for private passenger
and to the Servicing Carrier for commercials no later than the first working day
after it is completed.
What are the eligibility requirements for a named
non-owner policy?
The applicant must
be a resident of the state who holds a valid operator’s license and who does not
own any vehicles titles in his/her name.
What are the maximum liability limits available
through the Plan?
100/300/50 or a
combined single limit of $350,000 for CAIP risks unless higher limits are
required by state law (see Rule 23 and Rule 52).
If the applicant is already being charged points on
another policy through the voluntary market, do we charge for points on the Plan
policy?
Yes.
What if there is a title change during the policy
period?
Any change in
title would necessitate that a new policy be written. The original policy would
have to be canceled and a new application would have to be submitted to the Plan
with the corrected title.
