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Effective: 10/01/2005

Premium deposits on new or renewal accounts must be made prior to the effective date of the policy. Premiums billed on an installment basis are due on or before each installment date (invoices are sent out thirty (30) days prior to this due date). Audit and Endorsement premiums are due within twenty-one (21) days from date of invoice. If Audit is disputed, notice must be received immediately (prior to due date).

Note: Accounts directly billed by the Insurance Company or Premium Financed are contractually responsible directly to the Insurance Company or to the Premium Finance Company. The agency accepts no responsibility for contacting the insured concerning late payments or cancellations. It is the sole responsibility of the insured to make payments to these entities in a timely manner. Should an account cancel for non-payment and the agency be required to intervene, normal fees for reinstatement and/or rewriting will apply.

Any account with an overdue balance past forty (40) days will be issued a Direct Notice of Cancellation.

Any account with a past due balance will not be renewed until said balance is completely cleared and any lapse-in-coverage penalties will be the responsibility of the insured.

Cancelled Policy Fees (per policy):

• Reinstatement w/ same company (No loss statement) $25.00
• Reinstatement/New application required $50.00
• Rewrite w/ different company $50.00

Note: Cancelled policies will be reinstated or rewritten only once.

Late Payments:
Overnight mail require to prevent cancellation - Fee charged by mail carrier plus $6.00 processing fee.

Insufficient Funds:
Check returned NSF - Bank fees plus $25.00
(Future payments will be required in cash or bank check)

Motor Vehicle Reports (MVRs), special requests - $10.00 each