Yes! You can use AI to fill out ACORD 90, Personal Auto Application

Entering an incorrect or incomplete 17-character VIN is a frequent error, often due to a simple typo. Since the VIN is used to identify the exact vehicle, including its make, model, year, and factory-installed features, an error will lead to incorrect premium calculations, coverage issues, or outright rejection of the application. To avoid this, carefully transcribe the VIN from the vehicle's registration or door jamb, and double-check each character before submission. AI-powered tools like Instafill.ai can automatically validate the VIN's format and checksum to catch errors instantly.

Applicants often mistakenly check the box indicating their mailing address is their garaging address when the vehicle is actually kept elsewhere, such as at a different residence or a student's apartment. Insurance rates are heavily dependent on the garaging location's risk profile, so this discrepancy can be considered misrepresentation, potentially leading to claim denial or policy cancellation. Always provide the exact address where each vehicle is primarily kept overnight, and fill out the 'Additional Garaging Address' sections if necessary.

When providing prior insurance details, applicants often list the insurer's group or trade name (e.g., 'The Hartford') instead of the specific legal company name (e.g., 'Hartford Fire Insurance Co.'). This, along with an incorrect or missing NAIC code, makes it difficult for the new insurer to verify coverage history and apply relevant discounts or surcharges, delaying the application. To prevent this, refer to your old policy's declaration page for the exact legal name and NAIC code. AI form-fillers like Instafill.ai can help by maintaining a database of carrier information to ensure accuracy.

The form requires assigning usage percentages to each driver for a specific vehicle, and the sum must equal 100%. People often make rough estimates for each driver and fail to ensure the total adds up correctly, which causes an automatic validation failure and processing delays. Before submitting, calculate and confirm that the percentages for each vehicle's drivers sum to exactly 100%. This ensures the risk is accurately distributed and the policy is rated correctly.

Answering 'Yes' to having a prior accident or violation but then failing to fill out the corresponding detailed sections is a common oversight. Applicants may also be tempted to omit minor incidents, not realizing that insurers will discover them when pulling Motor Vehicle Reports (MVRs). This omission can be flagged as material misrepresentation, leading to premium adjustments, policy cancellation, or denial of future claims. It is crucial to disclose all incidents and complete all required follow-up fields for each one.

These terms are not interchangeable, and confusing them has significant consequences. A 'Loss Payee' (typically a lender like a bank) has a financial interest and is entitled to payment for damages to the vehicle, while an 'Additional Insured' receives liability protection under the policy. Incorrectly designating a lender can leave their financial interest unprotected, violating the terms of a loan agreement. Always verify the requirement with the interested party and select the correct designation on the form.

The form requires providing previous address and employment details if the applicant has been at their current residence or job for a short period (e.g., less than 2 or 3 years). Applicants frequently overlook these conditional fields, leaving them blank even when required. This incomplete information prevents the insurer from properly assessing stability and risk, leading to follow-up requests and delays. Pay close attention to fields that depend on previous answers to ensure all required history is provided.

Applicants may check boxes for discounts like 'Good Student' or 'Driver Training' without having the required proof or meeting the specific criteria. The form notes that certificates (like ACORD 91) are often required, and failure to provide them upon request will result in the discount being removed and the premium increasing. Before claiming a discount, ensure you meet all qualifications and have the necessary documentation ready to submit.

Many fields, such as 'Vehicle Usage,' 'Marital Status,' and 'Garaging Code,' require a specific one-letter code instead of the full word. Applicants often write out the full description (e.g., 'Pleasure' instead of 'P') or use an incorrect code, which can cause data entry failures in the insurer's system. Carefully read the instructions for each field to ensure you are using the precise format and codes requested. If the form is a non-fillable PDF, a tool like Instafill.ai can convert it to a fillable version with dropdowns for these codes to prevent errors.

Throughout the form, there are numerous yes/no questions regarding physical impairments, license suspensions, special equipment, and other critical risk factors. A common mistake is answering 'Yes' to a question but then failing to provide the mandatory detailed explanation in the subsequent fields. This renders the application incomplete and requires the agent or underwriter to contact the applicant for clarification, delaying the entire process. If you answer 'Yes' to any such question, be prepared to immediately provide a full and accurate explanation as required.