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Spot Delivery Insurance Program

What is "spot delivery" insurance coverage?
State regulations and the conditional sales contract (see the clause entitled INSURANCE) provides that when a customer does not have proof of insurance at the time of sale the automobile dealer is authorized to order insurance to protect their "security interest" and contingent liability in the vehicles they sell/lease. The Program is designed to allow auto dealers to go online to order the insurance they need to protect the vehicles and the customer. At a minimum, dealers can order the state mandated financial responsibility insurance coverage requirements.

Who provides the coverage?
The insurance coverage is provided by an insurer rated A by the A.M. Best Company and is accepted by all lenders.

How do I order coverage?
Dealers using Carousel in select states can now instantaneously order spot delivery insurance coverage either under www.autowebapp.com or other integrated software. There are no forms to complete, sign or fax.

Here are some of the benefits of using our Spot Delivery Insurance Program:

• Dealers can order and receive insurance coverage confirmation in less than 30 seconds.
• All drivers are accepted. There is no danger of rejection nor is there any concern about the customer's driving record, age, gender, license status or any other unnamed drivers in the household!
• No outside agent to call when the customer cannot provide proof of insurance at the time of sale! Program allows a dealer to safely deliver vehicles at any time 24/7/365! The coverage is bound immediately by ordering coverage at www.autowebapp.com.
• The Dealer is issued an annual policy but can order the coverage in 30 day increments while they maintain a security interest in the vehicle. Dealers can cancel the coverage pro-rata if the customer provides proof of alternative coverage.
• Dealers will be electronically notified with an insurance "hot sheet" 48 hours prior to the expiration of any coverage. If needed, Dealers can order additional days of coverage via an 800 phone number, email or fax, 24/7/365.
• As the named insured, the dealer will be billed for the coverage ordered. Payments can be made by dealer's check or credit card.
• Where permitted, the customer will be invoiced, during the dealer's coverage period, for a "guaranteed issue" 6 month auto policy to replace and maintain the insurance required by the lienholder.
• The Program coverage is approved and available in over 40 states and the District of Columbia, so please contact us at www.insuracar.com, or call (800) 452-7743 x221 to get further information or to check if your state is approved.