Policy rights
You have the right…
•To receive a copy of your policy
•To receive all copies of forms and applications you or the agent sign
•Not to be discriminated against because of your race, national origin, beliefs, or a physical handicap that does not impair your driving ability
Premium rights
You have the right…
•To a fair estimate (quotation) of premium, even though the actual premium may be more or less than the quoted estimate
Claims rights
You have the right…
•To choose which shop will repair your car, unless this right is limited by your policy
•To a prompt and good-faith settlement offer, based on the terms of your policy
•To negotiate with the insurance company’s adjuster
•To use any arbitration procedures provided in your policy
Renewal and cancellation rights
You have the right…
•To receive prior written notice if the insurance company decides to cancel or not renew your policy
•To a statement of the reasons for the cancellation or non-renewal
•To cancel your policy at any time — however, you may be subject to a fee or penalty if you cancel your policy mid-term.