Terms And Conditions

Electronic Transaction Disclosure

You are now formally applying for insurance on this web site. This means you are entering into a transaction with Accurate electronically. By doing so, you are consenting to “electronically sign” your insurance application and state-mandated forms rather than signing paper copies. You may withdraw your consent to conduct this insurance purchase electronically by terminating this session at any time before your transaction is completed.

If you wish to retain a printed copy of your application, you may utilize your browser’s print feature to print a hardcopy of any screens you wish to retain. Accurate can also provide you with a hardcopy of your application by calling 708-599-4900.

We make every effort to ensure that this web site works properly on the latest versions of Internet Explorer, Firefox and Safari. This site requires cookies and JavaScript to be enabled. Use of your browser’s “Back” button is discouraged, please use the “Back” button at the bottom of each form instead.

If you are unable to use the site for whatever reason, our operators are available at 708-599-4900 during normal business hours to assist you with obtaining an insurance policy.

Drivers Disclosure Agreement

I do verify the driving history on this application for insurance is true and verifiable.I have full understanding my premium may increase or coverage may be denied once my driving history is verified and additional accidents and/or violations have been found. I authorize the insurance companies listed above to give you any information concerning previous coverage.

Premium Finance Terms and Conditions

WITNESSETH : That in consideration of the payment by the Finance Company ("The Co.") to the respective insurance companies, or their agents, of the balance of the premiums upon the policies of insurance hereinbefore described on the reverse side hereof (which policies have been issued and delivered to the Assured at his request) the Assured promises to pay to the Finance Company the amount shown in the completed schedule on the reverse side hereon under the caption "Total of payments", with the service charge thereon as in said Schedule provide; and the Assured agrees with the Finance Company as follows :

1. In the event that default be made in the payment of any payment payable hereunder, or if bankruptcy proceedings be instituted by or against any of the insured, or a receiver of property of any of the insured be appointed, then the full amount payable hereunder shall, at the option of the Co., become forthwith due and payable and the Co. shall have the right to cancel said policies and collect and receive all return or unearned premiums hereon or the proceeds of a loss hereunder, retain the amount owing hereunder, and remit any surplus to the insured. Default in payment of installation hereof shall be deemed to be a request for cancellation of said policies by the insured and for notice of such cancellation to be given by the Co. to said insurance companies or agencies.

2. The unpaid balance may be paid in full at any time without penalty, except as described herein, If the amount financed hereunder is $500.00 or less, then that portion of the finance charge over $20.00 will be refunded based on the "Rule of 78's". If the amount financed hereunder is over $500.00 then that portion of the finance charge over $30.00 will be refunded based on the "Rule of 78's". If the amount financed hereunder is over $1,000.00 then that portion of the finance charge over $40.00 will be refunded based on the "Rule of 78's".

3. The Insured assigns to the finance company as security, all of their rights, title and interest in and to each of the financed policies and all rights therein including all unearned and return premiums. The undersigned further warrants that a fully completed copy of this agreement has been furnished the insured.

4. The finance charge made herein begins at the earliest beginning date of the policy or policies assigned to the holder hereof as security for the amount due.

5. The Undersigned agrees to pay a delinquency charge of five per cent (5%) of any installment in default hereunder, however, said delinquency charge shall not be less than $1.00.

6. The Insured hereby irrevocably appoints the Co., its officers and agents, as their attorneys in fact with power to cancel the policies of insurance, or any of the, to receive and receipt. In the name of the Insured, all monies hereafter payable to the Insured as above set forth, including the proceeds of any loss so payable. The Insured hereby releases and discharges and agrees to hold harmless the Co. and its officer, agents and employees from any liability or cause of action by reason of any such cancellation.

7. Each of said insurance companies is hereby authorized to rely upon all statements made by the Co. as to every matter pertaining to this contract and said policies.

8. No waiver by the Co. of any default shall be construed as a waiver of any other or subsequent default nor impair or affect any rights or remedies incident thereto. The Co. shall not be under any liability hereunder as an insurer. The entire contract between the parties hereto is contained herein and there are no other conditions, provisions, understandings or undertakings.

9. The Co. shall have the right to accept any payment or payments from the insured after notice of cancellation has been sent to the insurance companies and may hold such monies for the insured or apply them as a reduction of the indebtedness hereunder and neither the acceptance nor the application of any such payment or payments shall constitute an undertaking on the part of the Co. to continue the said insurance in force or to take steps to reinstate such insurance or constitute a waiver of any default hereunder. In the event the Co. requests reinstatement of such insurance the Co. assumes no responsibility that such request will be received or honored by the insurance company, and Insured must verify the existence of coverage directly with the insurance company or its agent.

10. The Insured hereby agrees that the surrender of the policy or policies or certificate or certificates shall not be necessary to entitle the Co. to receive any such return premiums or proceeds of loss and hereby authorize each of the herein named insurance companies to pay to the Co. any and all such return premiums and proceeds of loss otherwise payable hereunder without requiring the surrender of any policy or certificate.

11. The Co. may, with or without notice to the undersigned, assign its right, title and interest in, to and under this Agreement and the collateral herein described and all rights of the Co. hereunder upon such assignments shall vest in the assignee.

12. The Insured understands and agrees that no agent or broker soliciting and/or writing any of said policies was or is the agent of the Co. all such agents or brokers having acted solely as agents of the undersigned or of the insurance, companies. No acts, representations, promises or warranties of any such agents or brokers with respect to this contract or any of said policies shall be binding upon the Co. and the insured states that they have not dealt with, and agree that they will not in the future deal with, any of the insurance companies or any agent or broker as the agent of the Co.

13. The records of the Co., showing the mailing of any notice, shall be conclusive evidence of the due and proper mailing of such notice at the time and in the manner shown by such records. The Co. shall not be required to take notice of the change of any address of any of the undersigned unless written notice thereof shall have been receive by it.

14. The Co. is hereby authorized to pay the above mentioned balances of premiums to insurance companies issuing such policies or their respective agents.

15. Where a payment is in default, the Co. agrees that not less than 10 days written notice shall be mailed to the Insured of the intent of the Co. to cancel the insurance policy unless the default is cured within such 10 day period.

16. This Contract shall be construed in accordance with and governed by the laws of the State of Illinois. In the event of the invalidity of any provision of this Agreement, such invalid provision shall not invalidate the remaining portions of this contract.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of sex or marital status. The Federal agency which administers compliance with this law concerning this premium finance company is the Federal Trade Commission, 730 Peachtree Street, N.E., Room 800, Atlanta, Georgia, 30308. Rev. 10/82

Agency Agreement

The customer retains Accurate Auto Insurance Inc., a corporation (“Accurate”), to obtain the insurance coverage which I am requesting. Accurate had advised me that the choice of coverages and limits of liability are solely and exclusively my responsibility. I shall not hold Accurate liable for the choice of coverages and /or limits of liability which I obtain.

All information which I have provided to Accurate, including my driving record and history of claims, accidents and all household members above the age of 14 years old (Must be disclosed) are true and correct. If any insurance procured for me by Accurate is cancelled, rejected, or terminated, claims denied for reasons of underwriting standards, including but not limited to any erroneous information which I provided to Accurate, I hereby excuse and discharge Accurate from any further performance or services as my producer. Accurate shall not be obligated to obtain any type of replacement coverage, and I shall not hold Accurate responsible for any such cancellation, rejection, and / or termination, I authorize Accurate Auto Insurance Inc., LLC and Accurate Payment Plan to request any insurance company with whom it has made contact on my behalf to cancel or terminate such insurance by issuance of notice regarding same mailed to my address set forth below. I agree to notify Accurate in writing of any change in my address, I authorize any insurance company to return all unearned premium and authorize Accurate to set-off and retain for its own benefit any amounts owed to it and I authorize Accurate to endorse and negotiate payment or check for return of unearned premium even if it is payable to me

“TO BE INSURED ON A POLICY, VEHICLES MUST BE TITLED AND REGISTERED OR LEASED TO THE POLICYHOLDER OR SPOUSE”.

Service Agreement

The customer agrees to pay Accurate Auto Insurance a service fee in the total sum of $75.00 for each policy of insurance for which Accurate obtains coverage. I understand that this fee is deemed fully earned by Accurate regardless of any subsequent cancellation. I acknowledge that this service agreement is executed by me prior to the issuance of any such policy of insurance, which Accurate obtains. I understand that this fee may be charged at Accurate’s discretion.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Accurate Auto Insurance Inc., its affiliated companies and/or third party licensors. The Accurate logo, all other service marks, and the names of various products and services described within are service marks of Accurate Auto Insurance Inc. or its affiliates.
Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of Accurate (including, but not limited to Accurate service marks), on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site’s content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Accurate, is prohibited.

Third-Party Sites

This site contains links to other Internet Web sites (“Third-party Sites”) that are not maintained by Accurate. These links are provided solely for your convenience. Accurate makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy & Security

Please review our Privacy & Security Policy, which also governs your visit to this web site.

Password Registration

Some Accurate Auto Insurance Web sites are restricted and require a user identification code (“User ID”) and a password for access. Unauthorized use of or access of such sites is strictly prohibited.
In accessing Accurate Auto Insurance sites requiring a User ID and password, you agree that:

Accurate Auto Insurance is entitled to act on instructions received under your User ID and password.
Accurate Auto Insurance is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Accurate Auto Insurance Inc.
You will keep your password confidential and you will notify Accurate Auto Insurance immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
Accurate Auto Insurance may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Geographic Location Identification

When you visit our Web site, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Disclaimer of Warranty

The content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. Accurate Auto Insurance Inc. expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Accurate Auto Insurance Inc. does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Accurate Auto Insurance are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

Accurate Auto Insurance Inc. shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Accurate Auto Insurance Inc., the unauthorized access to or alteration of your transmissions or data, even if Accurate Auto Insurance Inc. has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of Illinois without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cook County, Illinois.
Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Applicant’s Statement:

United Auto:
APPLICANT’S STATEMENT: THE APPLICANT STATES THAT THE APPLICATION MADE BY ME OR ON MY BEHALF ARE COMPLETELY TRUTHFUL TO THE BEST OF THE APPLICANT’S KNOWLEDGE AND BELIEF AND THAT SAID ANSWERS WERE MADE AS INDUCEMENT TO THE INSURANCE COMPANY TO ISSUE A POLICY, AND IT IS A SPECIAL CONDITION OF THIS POLICY THAT THE POLICY SHALL BE NULL AND VOID AND OF NO BENEFIT OR EFFECT WHATSOEVER AS TO ANY CLAIM ARISING THEREUNDER IN THE EVENT THAT THE ATTESTATION OR STATEMENT IN THIS APPLICATION SHALL PROVE TO BE FALSE OR IINSURANCE WHEN ISSUED AND THAT IT IS INTENDED THAT THE COMPANY SHALL RELY ON THE CONTENTS OF THIS APPLICATION IN ISSUING ANY POLICY OF INSURANCE OR RENEWAL THEREOF.

Unique:
APPLICANT’S STATEMENT:THE APPLICANT HERETO STATES THAT HE READ THIS APPLICATION AND ATTESTS THAT ALL ANSWERS GIVEN BY HIM TO THE QUESTIONS ASKED ARE THRUTHFUL TO THE BEST OF HIS KNOWLEDGE AND BELIEF AND THAT SAID ANSWERS WERE MADE AS AN INDUCEMENT TO THE INSURANCE COMPANY TO ISSUE A POLICY AND IT IS A SPECIAL CONDITION OF THIS POLICY THAT THE POLICY SHALL BE NULL AND VOID AND OF NO BENEFIT OR EFFECT WHATSOEVER AS TO ANY CLAIM ARISING THEREUNDER IN THE EVENT THAT THE ATTESTATIONS OR STATEMENTS IN THIS APPLICATION SHALL PROVE TO BE FALSE OR FRAUDULENT IN NATURE. IT IS UNDERSTOOD THAT IT IS THE INTENT THAT THE COMPANY SHALL RELY ON THE CONTENTS OF THIS APPLICATION IN ISSUING ANY POLICY OF INSURANCE OR RENEWAL THEREOF.

Interstate:
APPLICANT’S STATEMENT : The applicant states that the application was read and attests that all answers are truthful to the best of the applicant’s knowledge and belief and that said answers were made as inducement to the insurance company to issue a policy, and it is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that this application shall be part of the policy of insurance when issued and that it is intended that the company shall rely on the contents of this application in issuing any policy of insurance or renewal thereof.

United Equitable/American Heartland:
APPLICANT’S STATEMENT: I hereby apply for the insurance indicated and warrant: (1) that I have read this application., (2) that all facts and answers are fully true, correct, and complete: and if the facts and answers are found not to be fully true, correct, and complete, A.H.I.C. reserves the right to make null and void any binder or policy of insurance coverage on anyone covered by said binder or policy which is issued as a result of this from the date of its inception or the execution of this application, whichever occurs first, regardless of whether or not a premium payment is accepted coincident with the taking of this application, (3) that I fully understand that any insurance policy issued as a result of this application will be based solely upon the facts and answers stated, (4) that I am the sole owner of the described automobile(s), except as otherwise stated, (5) that I agree to let A.H.I.C. obtain a copy of my Motor Vehicle Driving Record, (6) that all drivers listed above have a valid driver’s license.

Founders:
APPLICANT’S STATEMENT: The applicant hereto, states that he/she read this application and attests that all answers given by him to the questions asked herein are truthful to the best of his knowledge and belief and that said answers were made as inducement to the insurance company to issue a policy, and it is a special condition of this policy that it shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that NO COVERAGE will be effective if the check given as a down payment is not honored by the bank upon which it is drawn.

Apollo:
APPLICANT’S STATEMENT: The applicant states that the application was read and attests that all answers are truthful to the best of the applicant’s knowledge and belief and that said answers were made as an inducement to the insurance company to issue a policy, and it is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that a copy of this application shall be attached to and form a part of the policy of insurance when issued and that it is intended that the company shall rely on the contents of this application in issuing any policy of insurance or renewal thereof.

Delphi:
APPLICANT’S STATEMENT: The applicant states that the application was read and attests that all answers are truthful to the best of the applicant’s knowledge and belief and that said answers were made as an inducement to the insurance company to issue a policy, and it is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the attestations or statements in this application shall prove to be false or fraudulent in nature. It is understood that a copy of this application shall be attached to and form a part of the policy of insurance when issued and that it is intended that the company shall rely on the contents of this application in issuing any policy of insurance or renewal thereof.

American Freedom:

1)The applicant states that he/she have read the application and attest that all facts and answers provided to the agent of the applicant are completely truthful. (2) If a policy is issued it is in reliance and as an inducement to American Freedom based on the facts and answers contained herein. (3) It is a special condition of this policy that the policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising thereunder if the attestations representations or statements in this application are false, fraudulent or misleading in nature or contain an omission(s), regardless of whether or not a premium with the preparation of this application. (4) It is certified that all persons age 14 and over who live in the applicants household and all operators of the vehicle(s) described in application are shown above and the vehicle(s) are registered in Illinois of which the applicant is a resident. (5) As part of American Freedom’s policy issuance procedures, a routine inquiry will be made to obtain the driving record of all drivers. (6) It is understood there is no coverage if the down payment for the premium submitted is by check or credit card and the payment is dishonored. (7) It is understood that this application shall be a part of the policy of insurance when issued and that American Freedom shall rely on this application in issuing any policy of insurance or renewal thereof.

Affirmative:
Applicant’s Statement: Applicant states that s/he has read this application and attests that all information given by him/her is truthful and that said information was made as inducement to the insurance company to issue a policy. It is a special condition of this policy that this policy shall be NULL and VOID and of no benefit or effect whatsoever as to any claim arising there under in the event that the information in this application shall prove to be false or fraudulent in nature. It is understood that it is intended that the Company shall rely on the contents of this application in issuing any policy of insurance Further, it is understood and agreed by the applicant that if the initial premium remitted by him/her or on his/her behalf is not honored by the payor (financial institution), the policy shall be NULL and VOID. The applicant will be liable for and agrees to reimburse Company by the applicant. If your check is returned or rejected for any reason, you expressly authorize your account to be electronically debited for the amount of the check plus a processing fee of $25.00 or the maximum allowed by law. This check recovery policy shall have no impact on any cancellation or non-renewal date and time of which you are advised. If full payment is received as a result of this check recovery policy on a policy that it not in-force, and the company in its discretion reinstates or renews your policy, you shall be advised separately in writing. We have the right, but not the obligation, to exercise our rights under this check recovery policy.

Underwriting Companies

Motor vehicle insurance policies are underwritten by the following insurance companies:

United Automobile Insurance Company
724 Enterprise Drive, Oak Brook, IL 60523
State of Domicile: FL

Unique Insurance Company
4245 North Knox, Chicago, IL 60641
State of Domicile: IL

Interstate Bankers Casualty Company
8501 W. Higgins Road, Suite 710, Chicago, IL 60631
State of Domicile: IL

United Equitable Insurance Company
5700 Old Orchard Road, Skokie, IL 60077
State of Domicile: IL

American Heartland Insurance Company
5700 Old Orchard Road, Skokie, IL 60077
State of Domicile: IL
Founders Insurance Company
1645 East Birchwood Avenue, Des Plaines, IL 60018-3091
State of Domicile: IL

Apollo Casualty Company
1001 E. Touhy Avenue, Sute200, Des Plaines, IL 60018
State of Domicile: IL

Delphi Casualty Company
P.O. Box 5090, Des Plaines, IL 60017
State of Domicile: IL

American Freedom Insurance Company
559 West Golf Road, Arlington Heights, IL 60005
State of Domicile: IL

Affirmative Insurance Company
150 Harvester Drive, Suite 300, Burr Ridge, IL 60527-5965
State of Domicile: IL

Please Read all of these sections carefully, these terms and conditions is an important part of your insurance contract and all subsequent renewals, endorsements and additions:

Using this websites online payment option is conditional evidence of payment received by Accurate Auto Insurance Inc. (hereinafter referred to as “Accurate”) either for payment for Accurate or on behalf of ACCURATE PREMIUM FINANCE COMPANY. ( hereinafter referred to as “Finance Company”) Any payment which was made in a form other than cash is accepted subject to the payment (check, credit card etc.) being honored, paid on first presentation and/or disputed. The Customer agrees that Accurate and / or Finance Company shall be entitled to a return check fee of $25.00 and reasonable attorney fees, collection costs and expenses to collect any and all monies due for all premiums due, whether earned prior to or subsequent to date of payment.

Appointment as Broker/Terms: The Customer using this website (on behalf of all parties at interest) appoints Accurate Auto Insurance Inc. as broker of record and also as attorney in fact and grants power of attorney to Accurate to place any and all coverages requested. The Customer Agrees:

1.) Proper Deposit: Coverage will be placed only upon the receipt of the proper deposit (25% for annual policies and 40% for 6 month polices) is received and acknowledges that Accurate will not advance funds on the Customers behalf.
2.) Customer Representations: Accurate will make representations to insurance companies based on the statements and representations made by the Customer concerning (by way of illustration and not limitation) driving record and claim history and agrees to hold harmless Accurate, its heirs and assigns from any and all costs (including but not limited to attorney’s fees and other costs) arising from any error, omission or misrepresentation of the Customer.
3.) Effect of Misrepresentation: The insurance carrier with whom the insurance was placed has the sole authority to accept or decline any and all coverages. If the Customer has made any misrepresentation, omission (intentional or inadvertent) or supplied incorrect information the insurance company, at their sole discretion, may void or refuse to provide the coverage requested.
4.) Timely placement of Coverage: Accurate must process the online application and transmit it to the insurance company before coverage can begin. Please allow processing time. Accurate is not responsible for delays outside of their control, which may delay coverage.
5.) Re-Instatement Fee: Accurate will charge a $15.00 re-Instatement fee for each policy that is cancelled for non-payment of premium and then re-instated.
6.) Service Fee: Accurate will charge a $75.00 service fee for each policy sold (see service agreement below for details).

Separate Written Memorandum

The customer hereby authorizes Accurate Auto Insurance Inc. to secure, negotiate and procure the placement of the insurance coverage and to assist the online user in the preparation of any and all applications, underwriting data, etc., which may be required to procure the said insurance coverage. The Customer hereby authorizes the broker to commit to said coverage and agrees to pay as compensation to Accurate Auto Insurance Inc. in addition to the premium a fee of up to 40% of the premium amount for services rendered and expenses incurred in the securing of said coverage. This agreement shall serve as written memorandum required under Section 500-80 of the Illinois insurance code, (215 ILCS 5/500-80.) (This service fee is fully earned and is non-refundable and was quoted to you at the time of your online purchase.)

Premium finance: If premium is not paid in full at time of application or endorsement, the insured(s) agree to be bound by the terms and conditions of the current premium finance contract of ACCURATE PREMIUM FINANCE COMPANY a copy of which is attached and forms a part of this agreement. The Customer using this website on behalf of all insured’s grant limited Power of attorney to complete and sign this contract on their behalf. Certain fees, called agent’s assistance compensation shall be a part of the charges paid through the premium finance contract, however no interest shall be charged on these fees and the Finance Company is merely acting as a collection agent for Accurate.