Attention: Producers Doing Business with IL AIP
The Illinois Automobile Insurance Plan (the Plan) has seen an increase in claims where reporting of the incident has not been timely and certain actions have been undertaken by the insured which delay or otherwise inhibit the proper adjustment of the claim.
The Plan would like to provide clarification in regard to the insured and producer duties pursuant to the Illinois Automobile Insurance Plan Manual and Applicable Coverage Form.
The Illinois Automobile Insurance Plan Manual – Introduction states that the Producer Responsibility is as follows:
The actions, errors, or omissions of a producer in dealing with this Plan or its member companies are deemed to be the actions of the applicant and are not the actions of the Plan. Insofar as the producer is acting as an agent of any party in connection with actions under all Sections of this Plan, the producer shall be deemed to be the agent of the applicant and not the agent of the Plan and/or company or servicing carrier.
This is a reminder for producers to familiarize themselves and their clients with the policy language and to be guided accordingly in regard to the insured’s duties in the event of a loss.
In accordance with the Applicable Coverage Form, in the event of an accident, claim, suit, or loss, the insured must:
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Provide prompt notice of the accident to the carrier.
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Assume no obligation, make no payment, nor incur any expense without the consent of the carrier.
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Cooperate with the investigation.
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Take reasonable steps to protect the covered auto from further damages and keep a record of your expenses.
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Permit inspection of the covered auto and records proving the loss before its repair or disposition.
For questions regarding policy details and coverage, please contact AIPSO Insurance Operations at (855)-224-2247 or via email at
CommercialAuto@aipservicing.com.