Multi-State Insurance Services
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
Operational focus: non-standard California private passenger auto written via Multi-State Insurance Services, Inc. as GA/MGA for Century-National Insurance Company and Nations Insurance Company. Programs appear oriented to minimum-limits and non-standard risks with tight vehicle/driver acceptability rules. Preferred / acceptable business: - California private passenger autos needing minimum limits liability (15/30/5 or 15/30 with 5 or 10 PD) with optional UMBI/UMPD, Med Pay ($500), comprehensive and collision ($500 or $1,000 deductibles). - Business use and artisan risks are allowed: self‑employed tradespeople with no employees, no corporate ownership, and max 5 job sites per day. - Salvaged vehicles are acceptable for all coverages (including physical damage) subject to photo/contract requirements. - License flexibility: drivers with license pending SR‑22 filings, suspended/expired licenses, international or foreign licenses are acceptable subject to rating and other rules. - Registered domestic partners are treated as spouses; formal proof not required at new business if both are age 23+ but must be obtainable if requested by claims. Restricted / declined classes (operational highlights only; agents should consult full manual for details): - Non‑owner policies are not permitted. - Permissive use is not allowed; only listed drivers are covered. - Unacceptable vehicles (both programs): pickups and vans over 1 ton; panel vans or commercial vehicles; vehicles used to transport children or persons for hire; vehicles with excessive pre‑existing damage; lowered vehicles or those with modified exhausts; vehicles lifted more than 6"; vehicles with a value in excess of $40,000. - No special equipment coverage is offered. - Unacceptable drivers: any driver with a felony narcotics/drug conviction; drivers with 2 or more at‑fault accidents or major violations in the last 5 years; drivers with 2 or more major violations in the last 7 years; named insureds with less than 3 years of driving experience. - Filings: SR‑22 allowed, but no out‑of‑state filings; filings must be for drivers on the policy. - NSF on down payment, renewal, or installment results in rescission/cancellation under both carrier segments. Geographic notes: - Programs are explicitly labeled as "California Private Passenger" and use California minimum financial responsibility limits; appetite appears focused on California only. Other states are not referenced in the quick reference and would be outside this guide. Submission and documentation requirements: - Point of sale workflow: CLUE and MVR must be run at point of sale for all new business submissions. - Applications: - E‑Signature: applications are automatically submitted to Multi‑State via the point‑of‑sale system; no separate upload. - Non‑E‑Signature: manually signed apps must be submitted through the producer web portal or via email to Multi‑State. - Photos / vehicle verification: - Physical damage coverage requires two clear photos of all sides of the vehicle before new business upload. - A sales contract may be used in lieu of photos if the policy is effective the same day or within one business day of the contract date. - Photos from the insured are acceptable. - Experience and mileage: - Annual mileage must reflect actual usage, not estimates. - License experience must be verified for 3 years back to at least age 16 for rated drivers. - Household/driver configuration: - Spouses may be excluded. - Vehicles registered to other household members may be insured. - Sole registered owners may be excluded. Billing, lapses, and reinstatements (agent-facing operational items): - Down payments are collected via broker EFT or insured credit card for all programs. - Multiple pay plans (annual, semi‑annual, 10‑ and 11‑pay, with/without EFT) are available; first installment generally due on the 19th or 30th day depending on plan. Financing charges vary by pay plan (e.g., 9–13% on annual terms; 18–33.3% for semi‑annual EFT options). - Lapse is allowed; reinstatement window is 20 days from cancellation for both carrier segments, subject to company rules. - Policy, installment, endorsement, late, reinstatement, cancellation, NSF, and SR‑22 fees differ slightly by carrier (Century‑National vs Nations) and by good driver / non‑good driver status; see quick‑ref grid for exact amounts at binding. Broker / producer notes: - Producers must use the Multi‑State producer web portal for manual-submission business and document upload; adherence to photo and CLUE/MVR procedures is mandatory for new business acceptance. - No out‑of‑state SR‑22 filings and no permissive‑use exposure should be bound; all drivers requiring coverage must be listed. - For married/registered domestic partner risks written without documentary proof at new business (age 23+), producers should be confident documentation could be produced later (e.g., children in common, joint real property ownership, or joint tax returns) as claims may request proof. - Refer to the full California private passenger underwriting manual for any class, territory, or surcharge questions; this quick reference should not be used to independently expand appetite beyond the listed parameters.