InsureMax
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
Carrier/branding notes: - InsureMax Insurance Company operates as part of AssuranceAmerica; personal auto policies are underwritten by AssuranceAmerica Insurance Company and InsureMax Insurance Company and marketed together as “AssuranceAmerica.”([aadirect.com](https://aadirect.com/?utm_source=openai)) Preferred / target business profile (operational view): - Personal auto only, focused on state minimum-limits and other basic coverages, positioned as a low-priced, nonstandard market for higher-risk drivers needing to stay legal. - Business is written primarily via select independent agents and affiliated TrustWay agencies; carrier emphasizes agents comfortable with nonstandard, price‑sensitive customers and basic coverage offerings.([assuranceamerica.com](https://assuranceamerica.com/BecomeAgent?utm_source=openai)) Key underwriting appetite themes: - Core appetite: nonstandard personal auto risks that may have prior violations, lapses, or credit challenges, seeking minimum financial responsibility limits and basic physical damage where available. - Policies are not intended to cover vehicles used for business or commercial exposures; guidance explicitly warns that typical personal policies will not respond when the vehicle is used for business. - Explicitly excluded usage examples: ride‑sharing (Uber, Lyft), car‑sharing (Turo, Zipcar, similar platforms), and delivery of food, newspapers, packages or other services (e.g., Uber Eats, Postmates, Amazon, USPS‑type delivery). These are referenced as business uses that may result in no coverage under their personal auto policy.([assuranceamerica.com](https://www.assuranceamerica.com/FAQ?utm_source=openai)) Restricted or declined classes / uses (personal auto): - Business-use risks are effectively outside appetite under the standard personal auto form. Treat the following as declined or requiring alternate placement unless you have written confirmation of a special program: - Any private passenger vehicle principally used for rideshare, car‑share, or app‑based delivery. - Vehicles used routinely for any other commercial delivery, messenger, courier, or livery service. - Expect further filed underwriting rules and territorial restrictions to be embedded in state‑specific manuals and policy forms, but these are not centrally summarized on the public website; treat unusual vehicles, non‑private‑passenger classifications, or materially modified vehicles as needing underwriting sign‑off. Geographic footprint / notes: - AssuranceAmerica (including InsureMax) currently appears active in a limited set of states, generally in the Southeast, Southwest, and parts of the Midwest. Public reviews and third‑party overviews list: AL, AZ, FL, GA, IN, MO, NE, SC, TX, and VA as active distribution states, but availability and underwriting rules vary by state. Treat this list as directional and always confirm state eligibility and filings before quoting new business.([insurance-dev.mo.gov](https://insurance-dev.mo.gov/insurance-company/assuranceamerica-insurance-company?utm_source=openai)) Submission and workflow expectations (agents/brokers): - Distribution is agent‑centric; AssuranceAmerica prefers that customers quote, bind, and service policies through appointed independent agents or through TrustWay agencies rather than directly with the corporate office. - Prospective agents must complete an agent application and be approved; there is a dedicated “Become an Agent” / Agent Application workflow on the website. Use this path for new producer appointments and to route any agency wanting to access InsureMax/AssuranceAmerica programs.([assuranceamerica.com](https://assuranceamerica.com/BecomeAgent?utm_source=openai)) - For direct‑to‑consumer placements under the TrustWay brand, quoting and binding are done online; however, this is managed through the carrier’s own channels and not positioned as a producer‑driven submission path.([direct.assuranceamerica.com](https://direct.assuranceamerica.com/index.html?utm_source=openai)) Broker / producer notes: - Business is predominantly minimum‑limits, nonstandard personal auto; set expectations with agencies that accounts are price‑sensitive and service demand can be high. - Agents should screen rigorously for any business or gig‑economy use (rideshare, delivery, car‑share) and either re‑classify to an appropriate market or advise the prospect that the AssuranceAmerica/InsureMax personal auto policy is not designed for those exposures. - Claims are handled centrally through corporate claims lines; agents should direct insureds to the 24/7 claims phone number while remaining available to assist with documentation and communication.([assuranceamerica.com](https://www.assuranceamerica.com/FAQ?utm_source=openai)) Operational caveats: - Publicly available information does not provide a consolidated underwriting manual or state‑by‑state appetite grid. Treat this summary as directional. For binding authority, limits, driver/vehicle eligibility, surcharge rules, and SR‑22 details, rely on state filings, agent portal documentation, or your program agreement with AssuranceAmerica/InsureMax. - Because business rules and eligible geographies may change, confirm current state activation and any moratoria with the underwriting or marketing contact listed in your producer agreement before quoting in borderline territories.