American Independent Company
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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
No current, official public-facing underwriting, appetite, or producer guidelines could be located for American Independent Insurance Company (NAIC 17957), a Good2Go Auto Insurance Company, beyond high-level regulatory and market-conduct materials. Available regulatory filings and market descriptions establish that: - American Independent Insurance Company is part of American Independent Companies, Inc. (doing business as Good2Go Auto Insurance) and operates as one of several nonstandard personal auto underwriting companies in the group. - The group’s core business is nonstandard private-passenger auto, sold via independent agents and a direct-to-consumer channel under the Good2Go brand. - The company is or has been licensed for personal auto in DE, FL, GA, IL, KY, MD, PA, SC, and VA, positioning it as a regional nonstandard auto market rather than a national standard preferred carrier. Operational guidance inferred from these sources (NOT an official carrier appetite guide): - Preferred business: none identified publicly. By design, the group focuses on **nonstandard** risks (e.g., drivers with accidents, violations, prior lapses, or other factors that move them out of standard markets). Expect appetite centered on minimum limits and state‑required financial responsibility for higher-risk drivers, with possible availability of physical damage, but emphasis on basic liability. - Restricted/declined classes: No explicit list is published. As a nonstandard auto writer, expect more tolerance for adverse driving history and lapses, but also tighter rules on prior unpaid losses to the group, undisclosed operators, fraudulent activity, garaging misrepresentation, or very severe violation histories. Any detailed class-by-class restrictions would need to be confirmed directly with the carrier or the specific Good2Go underwriting company on the quote. - Geographic notes: Regulatory documents show licensing and activity historically in DE, FL, GA, IL, KY, MD, PA, SC, and VA; Delaware DOI explicitly lists “American Independent (Good2Go)” among nonstandard auto insurers. Treat availability as state-specific; do not assume appetite, forms, or pricing are the same across all licensed states. Always confirm whether American Independent is active and writing new business in your state at point of quote. - Submission requirements: No formal producer manual is posted. Expect standard nonstandard-auto requirements: accurate driver and household disclosure, MVR/CLUE-driven underwriting, electronic application via Good2Go or comparative rater, and payment at bind. Any special documentation (e.g., proof of prior insurance, SR‑22 filings, or underwriting exceptions) must follow the workflow and rules of the specific Good2Go entity issuing the quote. - Broker/producer instructions: Public materials do not provide detailed producer workflow, commission, or binding authority guidance. Given the structure (multiple small nonstandard auto subsidiaries under a common Good2Go brand), producers should: • Pay close attention to which underwriting company (e.g., American Independent Insurance Company vs. other Good2Go entities) is listed on quotes and policy documents. • Follow Good2Go platform rules for reinstatements and cancellations, including any reinstatement windows after non‑pay cancellation. • Use state DOI guidance and internal agency E&O standards when placing or maintaining nonstandard auto with this group, given higher complaint and regulatory scrutiny typical of the nonstandard segment. Because there is no carrier-published underwriting or appetite guide available online, these points should be treated as **context only** and not a substitute for direct carrier bulletins, producer manuals, or portal rules. For actual placement decisions, confirm current rules and eligibility directly through the Good2Go/American Independent portal or your assigned marketing contact, and check each state’s DOI filings for updated forms and rates.