CALIFORNIA RSVP
CALIFORNIA DELUXE
Infinity Insurance Company POLICY NUMBER: 104601191219001
P.O. Box 830189 AUTO APPLICATION VERSION: 8.10 11/24/2014
Birmingham, AL 35283-0189 / 1-800-782-1020
APPLICANT INFORMATION PRODUCER INFORMATION
Name: Linda White Producer Code: 10460-511830
Address: 4230 HIGHWAY 108 Name: INSURANCE ZEBRA, INC
City/State/Zip: RIVERBANK, CA 95367 Address: 301 Chicon St Ste A
Home Phone: 209-312-8036 Work Phone: City/State/Zip: AUSTIN TX 78702
SSN: Phone: 888-255-4364 Fax: 512-910-8558
Garage Information
X Same as Mailing Address
Garaging Address: 4230 HIGHWAY 108
City/State/Zip: RIVERBANK CA 95367
GENERAL INFORMATION
TERM PROGRAM TYPE EFFECTIVE DATE EFFECTIVE TIME EXPIRATION DATE EXPIRATION TIME
ACCIDENT INFORMATION
A chargeable accident is one where a person is 51% or more responsible and results in bodily injury or death or for an accident that resulted only in damage to property exceeding a
threshold of $1,000.00 for occurrences on or after 12/11/11 or $750.00 for occurrences prior to 12/11/11.
DRV DATE OF DESCRIPTION OF ACCIDENT STATE OR IS ACCIDENT TYPE OF ACCIDENT DOES TOTAL AMOUNT
NO ACCIDENT JURISDICTION WHERE CHARGEABLE OF DAMAGE EXCEED
ACCIDENT OCCURED THRESHOLD AMOUNT
VIOLATION INFORMATION
All convicted violations and license suspensions or revocations for the past 60 months must be shown.
DRV VIOLATION CONVICTED DESCRIPTION OF VIOLATION DMV VIOLATION STATE OR COUNTRY OF
NO DATE CODE NUMBER VIOLATION OCCURRENCE
Yes No
VEHICLE INFORMATION
Losses are adjusted based on ACV not to exceed current market Value.
***MAXIMUM TOTAL VALUE OF EQUIPMENT IS $9,999 NEW (STEREO VALUE ON ANY VEHICLE CANNOT EXCEED $1,000).
POLICY
VEHICLE 1
DRIVER 1 Good_drv2-D /
Vehicle 1 - - - - - - - $307.00
PREMIUM INFORMATION
Total Premium: $307.00 Down Payment: $32.46
CA Fraud Fee Recoup: $1.76 Down Payment Method: Credit Card
SR22 Fee: $0.00 Installment Fee: $10.00
Total Charges: $308.76 Installments: 11
Installment Amount: $35.12
Notes to Infinity
This Electronic Signature Disclosure and Consent addresses the circumstances under which you agree to use
electronic signatures in doing business with Infinity. If you consent, you may use electronic signatures to sign
documents associated with 1) your application or 2) other insurance transactions during the term of your Infinity
policy. Your consent permits us to send you applicable documents electronically in connection with your
application or other transaction. All electronic communications and documents between Infinity and you will be
considered in writing. Your electronic signature is as legally binding as your signature on a paper document.
Please read this notice carefully before giving your consent. Please print or save for your records a copy
of any electronic communication or document, including this Disclosure and Consent Page, that is
important to you. If you have any trouble with printing or downloading, you may request paper copies by
contacting one of our Customer Service Representatives.
Your Right to Withdraw Your Consent. If you consent and change your mind later, you may withdraw your
consent at any time by calling 800-782-1020. If you do not give consent, or withdraw consent before the
transaction process is complete, we cannot accept and process your transaction until we deliver the appropriate
documents to you on paper.
Change of Your Designated E-Mail Address. If you need to update your e-mail address or other contact
information with Infinity, you may do so by updating your preferences online at www.infinityauto.com or by calling
800-782-1020.
How to Receive Paper Copies. You may obtain paper copies at any time by contacting us at 800-782-1020.
There are no fees associated with requesting paper copies.
If we change the computer software or hardware requirements, we will provide you with advance notice of the
new requirements. If you do not have the required software and/or hardware, or if you do not wish to use
electronic records for any other reason, you can opt for an alternative process by calling 800-782-1020.
Infinity may, in its sole discretion, deliver paper copies of applicable documents if it chooses to do so and
discontinue the provision of electronic documents. Infinity may also require that certain communications from you
be sent to it on paper at a specified address.
X I consent to the use of electronic signatures in connection with my transactions with Infinity,
including delivery of applicable electronic documents. I have been able to read this notice
using my computer and software. I have successfully printed or downloaded a copy of this
notice. I have access to an account with an Internet Service Provider, and I am able to send and
receive e-mail.
I do not consent.
CA_POL_PP_01
APPLICANT ACKNOWLEDGMENT OF POLICY RATING FEATURES
By California Regulation 2632.5 (Rating Factors) all policies must be rated using 3 mandatory factors. The first is your driving record
which we obtain a copy of your motor vehicle record from the state's DMV. The second is your annual mileage driven and the third is
your years of driving experience.
For the second and third mandatory rating factors, we used the information you declared on your application and it is shown below.
Please verify the information below and inform your Agent /Broker if any of this information is incorrect.
The coverage and terms of the policy options available to me have been fully explained and I have made my selection for this policy
and coverages based on that information.
ROADSIDE ASSISTANCE - When your vehicle is disabled, for a small charge this coverage will provide fuel delivery, flat tire
assistance, lockout service, jump start or towing. Just sign the road service invoice and drive away with no out of pocket expenses.
Selected X Not Selected
RSVP DIRECT REPAIR- When you purchased your RSVP Coverage, you agreed that if you use one of the body shops in our network,
then we will pay 100% of the fair and reasonable charges, less the deductible. When your vehicle is repaired at a body shop in our
network, we will guarantee the repairs for as long as you own the vehicle. If you use a body shop that is not in our network, then we will
pay 80% of the fair and reasonable charges, less the deductible. If you use a body shop that is not in our network, we may require an
inspection of the repairs prior to making any payment.
Page 5
2. Uninsured Motorists Property Damage coverage provides that if your insured car is damaged from a collision with an identified uninsured motor
vehicle, then you may make claim directly against your own insurance company for the property damage to your insured car as long as you are
legally entitled to collect from the owner or operator of the uninsured vehicle. The limit of liability is $3,500 for one automobile damaged in one
accident. Subject to the maximum limit of liability, your insurance company will pay you the actual cash value of your insured car or the amount
necessary to repair or replace it, whichever is less. This coverage is available only if you are covered for Uninsured Motorist Bodily Injury
coverage and your insured car is not covered for collision coverage. A $100 deductible applies.
3. Uninsured Motorists Collision Deductible Waiver coverage provides that if your insured car is damaged as the result of direct physical contact
with an identified uninsured motor vehicle then your deductible under collision coverage will be waived. This coverage is available only if you
are covered for Uninsured Motorists Bodily Injury coverage and your insured car is covered for collision coverage.
AGREEMENT VOIDING AUTOMOBILE INSURANCE WHILE A CERTAIN PERSON IS OPERATING YOUR INSURED CAR
FORM # 00540 R1004 CA_DE_PP_01
In consideration of your premium payment, it is agreed that, with respect to the insurance afforded under this policy, or any continuation, renewal or replacement of the
policy by YOU, or the reinstatement of this policy within 30 days of any lapse thereof, we shall not be liable for loss, damage, and/or liability caused while YOUR
INSURED CAR is being driven or operated by the following named person.
CAUTION: DO NOT SIGN THIS AGREEMENT UNTIL YOU HAVE READ AND UNDERSTAND IT.
Page 7
1. If your vehicle is used for commute purposes, please list the address of the workplace, school, or other destination where the vehicle will be
driven. CA_MLG_PP_01
Vehicle # 1 Street N/A City N/A State N/A Zip N/A
2. List the number of days the vehicle will be used for commuting.
Vehicle # 1 5
3. Estimate the total number of annual miles to be driven in the next 12 months.
Vehicle # 1 9000-9999
4. Please give the reason for any difference between the estimate for the upcoming 12 months and the miles driven for the previous 12 months
if applicable.
Vehicle # 1 N/A
5. List the current odometer reading of the vehicle shown on the policy.
6. Attach the service records that reflect the odometer reading for the most recent 12 month period. (Optional - This information is not required,
but may support a lower premium.)
I hereby certify that I have read all the questions on this questionnaire and have disclosed the requested information. I also certify that all
information contained in this questionnaire is accurate and complete. I understand these changes and information included in this questionnaire
may be endorsed and made part of my policy.
Page 8
My broker-agent has explained to me that Infinity offers multiple programs. The three programs, Special, RSVP and Deluxe, have
price and coverage differences designed to meet individual needs. I understand that Infinity's explanation below represents only some
of the differences in these programs' coverages and conditions. I understand I may ask my broker to explain any other coverage
distinctions not appearing below that might apply to my situation.
Liability Coverage
Bodily Injury Limits -- Special and Deluxe offers Bodily Injury limits up to $100,000 per person/$300,000 accident, while RSVP's
maximum limits are $25,000 per person/$50,000 accident. In the Special and RSVP Programs, the Bodily Injury and Property
Damage limits will be reduce to the state statutory limits of Bodily Injury $15,000 per person/$30,000 per accident and Property
Damage $5,000 per accident in the event a permissive user is driving the vehicle. The Deluxe Program does not have this limitation.
Replacement Autos -- The Special and Deluxe policies provide uninterrupted coverage for a replacement auto as long as Infinity is
notified within 30 days after the acquisition of a replacement. The RSVP policy provides no liability coverage on a replacement auto
until the time Infinity is asked to add the coverage you want.
Newly Acquired Autos -- Receive 30 days automatic coverage in the Deluxe Policy while the Special allows 14 days automatic
coverage. The RSVP Policy does not allow any automatic coverage. New Auto Replacement cost is provided only in the Deluxe
Program.
Coverage For Damage To The Insured Auto (Collision, Other Than Collision)
RSVP has a provision for choosing repair shops that Infinity recommends. This is important in two respects:
(1) RSVP provides for two levels of repair cost coverage. If a policyholder chooses a repair shop that is not in Infinity's
network, Infinity will cover 80% of the fair and reasonable charges, less the deductible. If a policyholder chooses a repair
shop that is in Infinity's network, Infinity will cover 100% of the fair and reasonable charges, less the deductible. If a
policyholder chooses a repair shop that is not in Infinity's network, Infinity may require an inspection of the repairs prior to
making any payment.
(2) Infinity guarantees repairs performed by recommended repair shops as long as the policyholder owns the auto. Infinity
does not guarantee repairs by repair shops they do not recommend, although such shops may offer guarantees of their
own.
Special and Deluxe provide for payment of 100% of the fair and reasonable repair charges less the deductible, regardless of whether
a policyholder chooses a recommended repair shop. However, by endorsement, Special and Deluxe may be changed to provide the
same two levels of repair cost coverage as RSVP at a reduced premium.
By signing below I acknowledge that the differences in Special, RSVP and Deluxe coverages and costs that are important to
me have been fully explained by my broker-agent. I have been provided with premium quotes for the Special, RSVP and
Deluxe programs and the program I have chosen is selected below. I understand that if I want other price quotes I may make
such requests to my broker-agent or to Infinity (toll free 1-800-782-1020).
*By entering Broker-Agent name electronically, The Broker-Agent certifies that this constitutes his/her electronic Signature.
Page 9
ANY PERSON WHO, WITH INTENT TO DEFRAUD OR KNOWING THAT HE OR SHE IS FACILITATING A FRAUD AGAINST AN INSURER,
SUBMITS AN APPLICATION OR FILES A CLAIM CONTAINING A FALSE OR DECEPTIVE STATEMENT IS COMMITTING INSURANCE
FRAUD AND WILL BE PROSECUTED TO THE FULLEST EXTENT OF THE LAW.
I hereby apply to the Company for a policy of insurance as set forth in this application on the basis of my statements contained herein. By signing
below I understand that this application becomes a part of my policy and is a legal document and I certify that:
1. I have listed all operators of the vehicles listed on this application and all information about these persons is correct. This includes anyone that
may operate my vehicle(s) on a regular or frequent basis, children away from home or away at school, and all persons age 15 or older who
live with me. I agree to notify the Company of any changes in operators or licensing of household residents. I acknowledge that failure to
notify Infinity of i. any member of my household age 15 and older, licensed or not, and ii. any change in driving status for any
person currently listed or added on my policy in the future, pursuant to my obligation to keep Infinity informed, is a
misrepresentation that may materially affect the risk accepted by the Company and may render my policy null and void.
2. I have reported any business or commercial use of my vehicle to the Company. I understand that acceptable business use is not covered
unless I have disclosed the specific use on this application and paid a premium for the Business Use Endorsement.
3. My principal residence address and place of vehicle(s) garaging is (are) the address(es) shown in this application for ten (10) or more months
each year.
4. Any custom and special add-on equipment that I want covered has been declared on this application and A PREMIUM PAID FOR
THIS ADDITIONAL COVERAGE.
I understand that:
5. The policy I am purchasing may contain unique exclusions, conditions and restrictions I should read.
6. Coverage will not be afforded and may render my policy null and void if a regular operator is not listed on the declarations page and
a premium paid.
7. No coverage of any kind shall be provided:
a. If an operator that is specifically excluded by endorsement uses my vehicle.
b. If I allow an unlicensed person to operate my vehicle.
8. By purchasing this policy it is my obligation to give the Company prior notification of any changes in the statements and information contained
in this application. Failure to notify the Company of such changes is a misrepresentation that may materially affect the risk accepted by the
Company and may render my policy null and void.
9. The quote I have received has been developed using this application. The Company may verify certain information, and, if necessary correct
the premium in accordance with its rate filings. If I do not want to continue coverage, I understand that cancellation will be calculated based
upon the correct premium. The Company will include a cancellation charge of $20 if cancellation is at my request.
10. No coverage is provided and the policy shall be null and void from inception:
a. If any information in this application is false, misleading, or would materially affect acceptance of the risk by the Company, or
b. If my down payment, partial or full, is not honored by my bank. This applies whether my payment is by check, credit card, or by electronic
funds transfer.
11. The following payment rules apply to this policy:
a. If the Company receives my payment after the due date, I will owe a late charge.
b. If my policy is rewritten with a lapse in coverage due to late payment, I will owe a Rewrite charge, and the rates in effect at that time shall
apply.
c. If my Renewal payment is received after policy expiration, my policy will be renewed with a lapse in coverage, using rates in effect at that
time
d. The company will apply any payment I make first to any installment fee or other non premium charges that are due and then will apply the
balance of my payment to any premium due. If the balance of the payment is less than the premium due, the policy may be canceled.
e. Any outstanding balance from the previous policy term will be satisfied first from any Rewrite or Renewal payment amount.
12. If I choose to receive the RSVP Direct Repair Discount, I understand: THAT MY POLICY BENEFITS WILL BE SUBSTANTIALLY LOWER IF I
CHOOSE TO INCUR REPAIR CHARGES BY A VENDOR WHICH IS NOT A DESIGNATED RSVP PROVIDER. THE COMPANY HAS A
RIGHT TO INSPECT ALL REPAIRS PRIOR TO MAKING A PAYMENT.
13. The producer named in this application is acting as my broker if so indicated in the Producer Statement.
14. Any broker fee is determined, collected, and retained solely by the Broker named on this application.
15. California Insurance Regulations require that brokers present applicants with a written fee disclosure.
16. Agents and brokers receive commission and may receive other consideration from the Company.
The coverage I am applying for has been fully explained to me. I certify that the statements and information in this application are true
and accurate. By signing below, I acknowledge that I have read the warnings and statements listed on this application.
Page 10
PRODUCER'S STATEMENT
To the best of my knowledge, all information contained herein is correct, the statements herein are those of the applicant. The applicant
and I are retaining a duplicate signed copy hereof.
I am acting as the applicant's broker in this transaction, and I am legally qualified to submit this application on behalf of the
applicant.
X I am acting as Infinity's appointed agent.
Page 11
CREDIT CARD PAYMENT AUTHORIZATION - If the insured wants to charge the premium to a credit card, the following must be completed:
CHECK ONE: VISA AMERICAN EXPRESS AMOUNT CHARGED Full Premium $________________
X MASTERCARD X Down Payment $________________
$32.46
Credit Card Number _____________________________
XXXXXXXXXXXX7977 Expiration Date ________
05/2016 (Mo/Yr)
Authorization Number ____________________________ (Company Use)
I understand that if this credit card transaction is denied for any reason, no coverage will be bound or in force.
CARDHOLDER'S SIGNATURE______________________________________
Linda White
RECURRING CREDIT CARD AUTHORIZATION - If the insured wants to charge the installments to a credit card, the following must be
completed:
CHECK ONE: VISA X MASTERCARD AMERICAN EXPRESS
All installemnts on the policy will be charged to the credit card. I understand that if this credit card transaction is denied for any reason, no coverage
will be bound or in force.
CARDHOLDER'S SIGNATURE______________________________________
Linda White
These documents should be faxed along with this cover sheet within 72 hours of the policy upload:
no suspense
Comments:
Form: CMNFAX01
Page 13
Insured Receipt
This acknowledges receipt of $32.46 to Infinity by direct payment of cash, check, money order or credit card to the
agency. The payment is made as a down payment on the policy number noted above.
Our acceptance of your payment does not guarantee coverage. If you have paid your down payment or installment by
check and your bank returns the check unpaid, the down payment or installment will be considered never paid to the
insurance company. On a new policy, this means that your insurance never went into force and that you are not
covered. If you are making a payment on a current policy, any outstanding cancellation will take effect and/or any new
payments due will be considered unpaid. Payment of all amounts due is necessary to be considered for reinstatement
on current policies which are in the process of being cancelled. Our acceptance of your check in no way promises
continuation of coverage.
Agency Receipt
This acknowledges receipt of $32.46 to Infinity by direct payment of cash, check, money order or credit card to the
agency. The payment is made as a down payment on the policy number noted above.
Page 14
INVOICE
Important: Give this bill to the Applicant -- Do not submit with application.
You may not receive another Bill (unless your Premium changes)
Page 15
You will receive bills for these amounts and due dates, but your receipt or non-receipt of this bill will not prevent
your policy from cancelling if Infinity does not receive your payment by the due date indicated. You may be
charged a late fee for payments not received by the due date.
When your application is submitted, your first bill and the above installments may change. Watch your mail for such
changes.
For your convenience, credit card and check payments can also be made at InfinityAuto.com or by calling
Customer Service at (800)782-1020.
Form: CMNINV01
Page 16
Insured(s) Producer
Linda White INSURANCE ZEBRA, INC
301 Chicon St Ste A
AUSTIN TX 78702
8882554364
Page 17
Tip 1: Obtain the brokers of each broker who talks to you about insurance company and an
insurance! If the broker says he or she
business card. insurance broker.
does not have a business card, ask him
or her to write down his or her first,
If you are reading this pamphlet, it was Brokers are not insurance companies;
middle and last name, along with his or
probably given to you by an insurance they are independent insurance
her license number. Keep the business
broker or solicitor. (A solicitor is a salespersons. The broker represents
card or piece of paper along with your
person who works for a broker. In the you, the client. In order to find
other insurance papers.
rest of this pamphlet we will use the insurance for you, a broker will usually
term broker to include both solicitors review the premium rates and coverages
The California Department of Insurance
and brokers.) All brokers must be of several insurance companies.
website (www.insurance.ca.gov) lists all
licensed by the State of California
licensed brokers. You can find out
Department of Insurance. To obtain a A broker will usually have the words
whether the person who helped you buy
license, a broker must take a class on insurance agency, insurance
insurance is licensed by checking this
insurance, pass an exam, and meet other brokers, insurance brokerage, or
website, or by calling the Department of
requirements. However, a few people insurance services in its business
Insurance at (800) 927-HELP or (213)
try to sell insurance without a license. name. An insurance company is
897-8921. If you buy insurance from a
Make sure your broker is currently responsible for paying any claims you
person who does not have a license, you
licensed in California. have; a broker is not. An insurance
are legally entitled to have any broker
company will usually have the word
fee you paid refunded.
By law, a broker must include his or her insurance company, casualty
license number on his or her business company, indemnity company,
card, and on any written price quote Tip 2: Understand the insurance underwriters or assurance
given to you. Obtain the business card difference between an company in its name.
Prepared for consumers by the California Department of Insurance. A broker must give this pamphlet to its insured whenever the broker charges a broker fee and sells an auto
policy, pursuant to Title 10 of the California Code of Regulations Chapter 5, Subchapter 1, Article 6.8, Appendix A.
Some insurance companies will use the broker says it is ok to do so, or that the certain, future date; get it in writing.
services of another business, called a wrong information will save you Every broker should be able to give you
managing general agent or general money. An insurance company can a binder if you need coverage quickly.
agent. These businesses may perform sometimes deny your claim if you
underwriting, claims handling and signed an application with incorrect Receipt
billing on behalf of the insurance information. Obtain and keep a copy of You will usually have to pay some or all
company issuing the policy. the application. of the premium to the broker when you
apply for insurance. Obtain a signed
Remember, when purchasing insurance Binder receipt for your premium payment.
through a broker you could be dealing When an insurance company accepts an
with several different companies: 1) the application, it typically mails the actual Insurance company payment plans
insurance broker; 2) a managing general insurance policy several weeks later. If Many people choose to pay their
agent; 3) the insurance company. In you need insurance right away or within insurance premium in installments. For
addition, if you need to borrow money a few weeks, the broker should provide these people, the insurance company
to help pay your premium, another type you with an insurance form called a may offer an installment payment plan
of company, a premium finance binder or certificate of insurance. for a small, extra charge. However, not
company, may be involved. These forms provide you with proof that all companies offer such plans.
you have insurance coverage until the
Tip 3: Obtain and keep insurance company actually sends you Premium finance companies
the policy. A binder or certificate Another option for people who can not,
important insurance papers. should show the name of the insurance or prefer not to, pay their insurance
company, the date your insurance takes premium all at once, is to obtain a loan
Application effect, your name, a description of your
When you apply for insurance, the from a premium finance company.
vehicle, the types of coverage you With premium financing, you will pay a
broker will probably help you complete bought, the liability coverage limit if
an insurance application form. This down payment to the broker when you
you bought liability insurance, and apply for the insurance. The finance
form will be sent to the insurance deductibles if you bought
company. Read the application company will pay the full premium to
comprehensive or collision coverage. the insurance company. After that, you
carefully before you sign it. Do not Obtain and keep the binder. Dont
sign the application if any information will reimburse the finance company
accept a brokers word that you are over several months. Be aware that
on it is missing or incorrect, even if the covered or will be covered as of a
premium financing typically includes a if an insurance company with an broker makes any promise to you, get it
non-refundable fee and an interest rate installment plan charges more premium in writing. Never sign any form that
that is usually much higher than banks than an insurance company that does has empty spaces have the broker
impose on credit cards. not have an installment plan, your total draw a line through those spaces before
cost of insurance may be less if you you sign the form.
In order to obtain premium financing, a dont have to pay loan fees and interest
premium finance application form must to a premium finance company. Tip 5: Find out more about
be completed. Do not let a broker sign
this form for you obtain it, take your
insurance.
Broker fee disclosure and
time to read it carefully, ask the broker agreement Insurance is expensive. You can save a
to explain anything you dont To charge a broker fee, a broker must lot of money, possibly hundreds of
understand, then sign it if you still want have you sign a broker fee agreement, dollars each year, year after year, by
to have premium financing. The form and must give you a special broker fee learning more about insurance. A good
will contain very important information disclosure. Obtain copies of both of place to start is at the Department of
how much you will have to pay, how these documents. Insurance website at
often, how much the fees are, what the
www.insurance.ca.gov, or by getting
interest rate is, and what the total Tip 4: Take your time and ask brochures from the Department of
principal and interest will be. Once you
sign-up for premium financing, it may questions. Insurance help line, 1-(800) 927-HELP
(4357) or (213) 897-8921. You can
be expensive to cancel it.
Read all forms carefully, and take your obtain pamphlets about many insurance
time. Dont let anyone try to rush you. topics, such as different types of
If a broker suggests using a premium
Ask questions a broker should take insurance, how to file claims, and how
finance company, be sure to ask the
the time to explain everything slowly to buy insurance.
broker about insurance companies that
offer installment payment plans. Even and with words you understand. If a
Last Revised October 27, 2000. Copyright California Department of Insurance. Permission is granted to any person to reproduce this pamphlet for non-commercial purposes, or to comply
with the California Department of Insurance broker fee regulations (Title 10 of the California Code of Regulations Chapter 5, Subchapter 1, Article 6.8, Appendix A).
LW