American Freedom
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
Program scope & appetite - Personal auto, non‑standard / minimum‑limits focused, written via independent agents in IL, IN, PA, TN, TX. - Company markets itself as a “take all comers” auto carrier with focus on working men and women needing to meet mandatory financial responsibility limits; accepts foreign and non‑licensed drivers and Matricula Consular IDs. - Discounts and program features highlight multi‑car, years clean with prior coverage, homeowner/mobile homeownership, EFT, paid‑in‑full, non‑owner, and named driver exclusion endorsement options.([americanfreedomins.com](https://www.americanfreedomins.com/about-us/?utm_source=openai)) Preferred / target business - Drivers residing and garaging in active program states, especially Illinois, and living in‑state at least 10 months per year (explicit IL requirement).([freedom.live.ptsapp.com](https://freedom.live.ptsapp.com/forms/Auto/Freedom/IL/Manual_Pages_IL_07_15.pdf?utm_source=openai)) - Risks that fully and accurately disclose all household drivers age 14+ and all usage, vehicle information, garaging address, prior damage, and prior insurance. - Personal use vehicles meeting standard program rules; accounts where minimum state requirements or basic liability with optional physical damage fit the insured’s needs. - Accounts willing to use direct‑bill and electronic payment options (ACH/credit card/EFT) and maintain continuous coverage. Restricted or declined risks (operational focus from manual) - No binding authority outside stated procedures; company retains final underwriting approval on all risks. - Physical Damage coverage may NOT be bound or added/increased when the National Weather Service has an active watch or warning for hurricane, tornado, hailstorm, flood, or other severe weather in the county where coverage is requested. - Applications with any material misrepresentation (drivers, driving record, vehicle type/use, garaging address, state of residence, marital status, or prior damage) are subject to premium revision, cancellation, and/or denial of claims. Company expressly reserves right to cancel for undisclosed violations and deny claims where false or misleading information leads to acceptance or rating of an otherwise unacceptable risk.([freedom.live.ptsapp.com](https://freedom.live.ptsapp.com/forms/Auto/Freedom/IL/Manual_Pages_IL_07_15.pdf?utm_source=openai)) - Policyholder must be an in‑state resident (example in IL manual: must live in Illinois at least 10 months per year); out‑of‑state residents or primarily out‑of‑state garaging are not acceptable under that state’s manual. Geographic notes - Corporate materials list active personal auto operations in Illinois, Indiana, Pennsylvania, Tennessee, and Texas.([americanfreedomins.com](https://www.americanfreedomins.com/?utm_source=openai)) - IL manual explicitly references Illinois residency and Illinois Insurance Code compliance. Producers must ensure proper state placement and garaging for each policy; do not write risks principally garaged outside the filed state. Submission & binding requirements (IL manual – representative operational rules) - No binding authority beyond published procedures without specific written company approval. - To bind, the risk must fully meet underwriting criteria, and a complete application must be signed by the licensed producer or the applicant. - Timing: - Fax/electronic submissions: risks are bound one‑half hour after the request is received by the company. The policy effective date shown will be 12:01 a.m. the day after receipt unless a later effective date is requested. - Mailed submissions: binding begins the day after the postmark date. - The binder section at the top of the American Freedom application must be fully completed for binding; if not properly completed or if the app is sent “unbound,” the company will make the policy effective the day after receipt/postmark or a future specified date. - For direct‑bill policies, the full required down payment must accompany the application or policy request. - Physical Damage cannot be newly bound, added, or increased in a county under a severe‑weather watch/warning. - If prior coverage was cancelled by another carrier, attach the prior carrier cancellation notice with the application. - Producers are responsible for follow‑up on all requests that have not been acted on within 15 calendar days; “Second Requests” must be received within 30 days of the original requested effective date to be considered.([freedom.live.ptsapp.com](https://freedom.live.ptsapp.com/forms/Auto/Freedom/IL/Manual_Pages_IL_07_15.pdf?utm_source=openai)) Producer / broker instructions - Producer responsibilities (IL manual) include: - Review the completed application with the insured and provide a copy with the declarations and policy. - Promptly notify American Freedom and forward all complaints, summonses, and suit papers if a lawsuit is filed against any insured driver. - Ensure familiarity with the applicable state Insurance Code, American Freedom policy contract (all coverages and restrictions), and other pertinent regulations and privacy/confidentiality requirements. - Before quoting or changing coverage, describe and offer all coverages, options, discounts, and pay plans. - Obtain signed and dated rejection forms for any coverage refused and signed/dated exclusion forms for any excluded drivers; if undated, the electronic transmittal/postmark/fax date will control. - For risks with physical damage coverage, list all prior vehicle damage on the application and factor it into vehicle valuation. - Only the contracted producer may deliver the policy, and delivery must be directly to the insured (not via sub‑producers). - Any exception to the manual must be pre‑approved in writing by the company. - If the agency contract is terminated, American Freedom may require renewal policies to be paid in full (no installments).([freedom.live.ptsapp.com](https://freedom.live.ptsapp.com/forms/Auto/Freedom/IL/Manual_Pages_IL_07_15.pdf?utm_source=openai)) Operational compliance notes - By using the company’s policy administration system and accessing underwriting information, producers agree to comply with American Freedom’s privacy and confidentiality requirements, maintain security safeguards, and indemnify the company for failures to do so. - Customer/claimant information must not be disclosed to third parties except as authorized, required, or permitted by law and only as necessary to perform obligations. - Any breach or unauthorized access to customer information must be reported to the other party immediately, where practicable.([freedom.live.ptsapp.com](https://freedom.live.ptsapp.com/forms/Auto/Freedom/IL/Manual_Pages_IL_07_15.pdf?utm_source=openai)) Form & supporting documents - Official site hosts state‑specific policy contracts and endorsements, plus operational forms such as driver exclusion, non‑business use, vehicle inspection, medical health statement, ACH/Direct Bill sweep, and EFT authorization, which should be used per manual and state/program rules.([americanfreedomins.com](https://www.americanfreedomins.com/download-forms/?utm_source=openai))