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ACORD 128, Garage and Dealers Section, page 1
Complex · 66/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

ACORD 128 is a standard insurance form used to collect detailed underwriting information for businesses involved in vehicle sales, service, or storage. It captures critical data on business operations, vehicle inventory, driver information, and specific risks associated with the garage industry, which is essential for calculating premiums and providing appropriate coverage. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields370
Pages4
Form Complexity IndexComplex, 66/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Driver Social Security Number Format

This check ensures that the Social Security Number entered in the Driver Information section (Driver_TaxIdentifier_A) follows the standard XXX-XX-XXXX format. Proper formatting is crucial for correct identification and data processing with external systems. If the format is incorrect, the submission will be rejected, and the user will be prompted to re-enter the number correctly.

Driver Minimum Age Verification

Validates that the driver's Date of Birth (Driver_BirthDate_A) indicates they are of legal driving age, typically 16 years or older. This is a critical underwriting requirement to ensure all listed drivers are legally permitted to operate a vehicle. A validation failure would prevent form submission and flag the driver's record for review, as insuring an underage driver is a major liability risk.

Driving Experience and Age Consistency

This check cross-references the driver's Date of Birth (Driver_BirthDate_A) with their stated years of experience (Driver_ExperienceYearCount_A). The years of experience cannot be greater than the driver's age minus the legal licensing age (e.g., age - 16). This prevents logical impossibilities and ensures data accuracy for rating purposes. An inconsistency would trigger an error requiring the user to correct either the birth date or the years of experience.

General Information Conditional Explanation

For each question in the 'General Information' section, if the answer is 'YES', this validation ensures the corresponding 'EXPLAIN' field is not empty. For example, if 'Does applicant use tow trucks?' (GarageAndDealersLineOfBusiness_Question_KALCode_A) is 'Y', the explanation field must be filled. This is vital for underwriters to assess specific risks associated with the applicant's operations, and failure to explain a 'YES' answer will halt the submission process.

Vehicle Inventory Percentage Summation

Verifies that the percentages entered for all vehicle types in the 'AUTO DEALERS' section (Car, Truck-Tractor, Motorcycle, etc.) sum to exactly 100%. This ensures a complete and accurate breakdown of the dealer's inventory for physical damage rating. If the total is not 100%, an error message will be displayed, forcing the user to adjust the values before proceeding.

Vehicle Storage Facility Percentage Summation

For each location listed under 'VEHICLE STORAGE', this check confirms that the percentages for facility types (Building, Standard Open Lot, Non-Standard Open Lot) add up to 100%. This is essential for accurately assessing property risk and exposure at each business location. A mismatch will result in a validation error, requiring the user to correct the distribution for the specified location.

And 8 more checks
  • Date Field Format (MM/DD/YYYY)
  • Driver's License State Code Validity
  • Dealers Physical Damage Coverage Exclusivity
  • Gross Sales and Gallons Pumped Numeric Validation
  • Signature Date Logical Order
  • NAIC Code Structure
  • Required Header Information Completeness
  • Conditional 'Other' Business Type Description

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How to Fill Out ACORD 128 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the ACORD 128 form.
  2. Provide the basic insured, agency, and policy information at the top of the form.
  3. Complete the 'Business / Vehicle Storage Information' section, detailing the types of operations (e.g., repair shop, dealer) and inventory percentages.
  4. Fill out the 'Driver Information' grid with details for all drivers, including their license numbers, date of birth, and hire date.
  5. Answer the series of 'Yes/No' questions in the 'General Information' section to clarify specific operational risks.
  6. List any 'Additional Interest' parties, such as lienholders or loss payees, providing their contact information and interest in the property.
  7. Review all auto-filled information for accuracy, then have the producer and applicant sign and date the form to finalize the application.

Common Mistakes in Completing ACORD 128

The ones the AI is built to catch.

Misclassifying Employee and Non-Employee Operators
The form requires applicants to classify operators into Class I (Employees) and Class II (Non-Employees), with specific sub-categories. Applicants often misinterpret these definitions, leading to incorrect counts which can significantly impact the policy premium. To avoid this, carefully read the definitions provided on the form for Class I and Class II operators before filling out the counts for each location.
Inaccurate Business Operation Percentage Breakdown
Applicants must allocate percentages to their various business operations (e.g., Repair Shop, Auto Dealer) and vehicle inventory types. A frequent error is providing percentages that do not total 100%. This forces the underwriter to guess the correct allocation, potentially leading to incorrect coverage, miscalculated premiums, or delays in processing the application. Always double-check that the percentages in each category sum to exactly 100%.
Omitting Required Driver Information
The 'Driver Information' section is detailed, but applicants often fail to list all required drivers, such as family members or employees who use personal vehicles for company business. Furthermore, fields like Driver's License Number, Date of Birth, and Hire Date are frequently left blank or contain typos. This can result in uninsured exposures for the business and significant underwriting delays. Ensure every person who could potentially drive for the business is listed with all details completed accurately.
Unexplained 'Yes' Answers in General Information
The form explicitly states 'EXPLAIN ALL "YES" RESPONSES' for questions about business operations like towing, spray painting, or salvage operations. A very common mistake is to check 'Y' without providing the necessary context in the space provided or in the Remarks section. This forces the underwriter to follow up for clarification, delaying the quoting process. Always provide a detailed explanation for every 'Yes' answer to give the insurer a clear picture of your operations.
Confusing Dealers Physical Damage Coverage Selections
The grid for Dealers Physical Damage requires selecting coverage for different auto types (New, Used) and interests (Owned, Financed). Applicants often get confused and check conflicting boxes or fail to select coverage that matches their actual needs, such as not selecting coverage for 'Used' vehicles when they are a used car dealer. This can lead to significant gaps in coverage at the time of a loss. Carefully review your inventory and financing arrangements to ensure you select the appropriate coverage combinations.
Providing Incomplete Additional Interest Details
When adding a lienholder or loss payee, applicants frequently omit crucial information like the full legal name, complete mailing address, and the specific loan or reference number. They may also fail to specify which vehicle or item the interest applies to. This incomplete data prevents the insurance company from properly notifying the interested party, which can cause contractual issues with lenders and delay claims payments.
Using Incorrect Date or Number Formats
The form specifies a 'MM/DD/YYYY' format for dates, but applicants often use different formats or enter them illegibly. Similarly, monetary values or percentages may be entered inconsistently. These formatting errors can cause data entry issues on the carrier's side, leading to problems with driver record checks, rating, and eligibility. Since this form is often a non-fillable PDF, using a tool like Instafill.ai can convert it to a fillable version and help validate and format data correctly to prevent these errors.
Errors in Annual Financial Figures
Fields like 'ANNUAL GROSS SALES $' and 'ESTIMATED ANNUAL REMUNERATION' are critical for determining premiums. Applicants may accidentally provide monthly or quarterly figures instead of annual ones, or make simple calculation errors. This can lead to a policy being rated on incorrect exposure, resulting in either overpayment or a large audit bill at the end of the policy term. Always verify that these figures represent the full, correct annual amounts.
Failing to Attach Necessary Supplementary Forms
The application references other ACORD forms that may be needed, such as 'ACORD 163 attached for additional drivers' or 'ACORD 138...TO PROVIDE COVERAGES / LIMITS INFORMATION'. Applicants often overlook these instructions and submit an incomplete application package. This results in processing delays as the agency or carrier must request the missing documents. Before submitting, review the entire application for any mention of required attachments to ensure a complete submission.
Incorrectly Counting Part-Time Employees for Rating
The form provides specific instructions for rating part-time employees: those working 20+ hours/week count as 1 rating unit, while those working less than 20 hours/week count as 1/2 a unit. Applicants often overlook this note and simply list the total number of part-time staff, leading to inaccurate remuneration and premium calculations. This can result in overpaying for insurance or facing an audit adjustment. To avoid this, categorize part-time employees based on their average weekly hours as defined on the form.

Frequently Asked Questions About ACORD 128

 

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Yes. You pay $0 today. Cancel before Nov 17 and you are never charged. Keep it, and it is $19.99 a month for 5 fills of your ACORD 128.
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This plan is for your ACORD 128: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
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From your account, in two clicks, any time. No email, no call.
How does the AI fill out ACORD 128?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of ACORD 128, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is ACORD 128 to fill out?
ACORD 128 has a Form Complexity Index of 66 out of 100, in the complex tier: 370 fillable fields across 4 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the ACORD 128 form used for?
The ACORD 128, Garage and Dealers Section, is a supplemental application used by businesses like auto dealers, repair shops, and service stations. It gathers detailed information about operations, drivers, and vehicles to apply for specialized insurance coverage.
Who needs to be listed in the Driver Information section?
You must list all individuals who will drive company vehicles, including owners, employees, and their family members. This also includes any employees who use their own personal vehicles for company business.
What is the difference between Class I and Class II operators?
Class I operators are employees, proprietors, partners, and officers who are active in the garage operation. Class II operators are non-employees, such as relatives of the owners, who are regularly furnished with a company vehicle.
What information do I need for the 'Dealers Physical Damage' section?
This section requires you to select the type of coverage (Comprehensive, Specified Perils, Collision) for your new and used vehicle inventory. You must also specify your financial interest in the vehicles, whether you own them outright, they are financed, or a combination.
What is the purpose of the 'General Information' yes/no questions?
These questions help the insurance carrier understand the specific risks associated with your business, such as towing, spray painting, or loaning vehicles. You must provide an explanation for any question answered with 'yes'.
What should I do if I have more drivers than the form has space for?
The form indicates that you should attach ACORD 163, the Commercial Auto Driver Information Schedule, to list additional drivers. This ensures all driver information is included with your application.
How do I count part-time employees for the 'Class of Operators' section?
As noted on the form, employees working an average of 20 or more hours per week count as one rating unit. Employees working less than 20 hours per week are counted as a half (1/2) rating unit.
What is this form's relationship to the ACORD 125 form?
The ACORD 128 is a supplement that provides specific details about your garage or dealer operations. It is not a standalone application and must be attached to the ACORD 125, the main Commercial Insurance Application.
Who is considered an 'Additional Interest' on this form?
An Additional Interest is a person or entity, other than you, who has a financial stake in your insured property. This typically includes lienholders, loss payees, or lenders who have financed your vehicles or property.
Do I need to report all speeding tickets for my drivers?
Generally, you must disclose any driver's convictions for moving traffic violations. However, some states, like Kansas as noted on the form, have exceptions for very minor speeding infractions, so check your local regulations.
Can I use AI to help fill out this form?
Yes, AI-powered services like Instafill.ai can help you complete this form accurately and efficiently. These tools use AI to recognize and auto-fill form fields, which saves time and helps reduce errors.
How can I fill out the ACORD 128 form online?
You can use a service like Instafill.ai to upload the form and fill it out in your web browser. The platform allows you to easily enter your information into the correct fields and then save or print the completed document.
My ACORD 128 PDF is not fillable. What can I do?
If you have a flat, non-fillable PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. This allows you to type your information directly into the fields instead of printing and filling it out by hand.
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