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

The 17-digit VIN is unique to each vehicle and prone to transcription errors. This mistake often happens due to misreading a character (e.g., 'O' for '0') or transposing numbers. An incorrect VIN leads to rating the wrong vehicle, potential denial of claims, and significant delays as the application must be corrected and resubmitted. To avoid this, carefully double-check the VIN against the vehicle's registration and the number plate on the dashboard. AI-powered tools like Instafill.ai can help by validating the VIN's format and checksum digit automatically.

The form requires detailed explanations in the 'Remarks' section for any 'Yes' answers in the General Information section (e.g., vehicle modifications, prior cancellations). Applicants often check 'Yes' but forget to provide the mandatory context. This renders the application incomplete, forcing an underwriter to halt processing and request the missing information, which delays policy issuance. Always review the General Information questions and provide a clear, concise explanation for every 'Yes' response in the designated remarks area.

Applicants frequently assume their mailing address is the same as the vehicle's primary garage location and leave the 'Garage Location Address' field blank, even when it differs. Insurance premiums are heavily influenced by the territory where a vehicle is garaged, so this error can lead to incorrect rates or even policy cancellation for misrepresentation. If a vehicle is kept at a different location, such as a student's apartment or a second home, you must provide that full address. If the form is a non-fillable PDF, tools like Instafill.ai can make it interactive, reducing the chance of skipping such crucial fields.

When a vehicle is financed or leased, the financial institution must be listed as a 'Loss Payee' or 'Additional Interest'. People often forget this step, especially if they are filling out the form without their loan documents handy. Failing to list the lienholder can violate the terms of the auto loan and cause major issues if the vehicle is totaled, as the insurance payout may not go directly to the lender. Always have your loan or lease agreement available and accurately enter the financial institution's name, address, and loan number.

For each vehicle, the form asks for the percentage of use assigned to each driver, but users often estimate these figures without ensuring they add up to exactly 100%. This mathematical error makes it impossible for the insurer to accurately calculate the risk and premium associated with the vehicle. The application will be flagged and returned for correction, causing delays. To prevent this, calculate and then double-check that the sum of all 'Driver Use %' fields for a single vehicle equals 100%.

Applicants often provide vague information for their 'Prior Carrier', 'Prior Policy Number', and 'Expiration Date', or they leave it blank. Insurers use this data to verify continuous coverage, which is a major factor for determining eligibility and discounts. Inaccurate information prevents this verification, potentially leading to significantly higher premiums or even rejection. To avoid this, refer directly to your previous policy's declarations page for the exact carrier name and policy details.

The form has separate fields for 'Date Purchased' and 'Date Leased', as well as 'New or Used' status. A common error is to fill in conflicting information, such as entering both a purchase and a lease date for the same vehicle. This creates ambiguity for the underwriter and suggests a lack of attention to detail, requiring clarification and delaying the quoting process. Ensure you only enter the relevant date (purchase or lease) and that it logically aligns with the vehicle's 'New' or 'Used' status.

Simple typos in a driver's license number, state, or date of birth are frequent yet critical errors. This information is used to pull a Motor Vehicle Report (MVR), which is essential for verifying driving history and calculating an accurate premium. An incorrect entry will result in a failed MVR lookup, halting the underwriting process until the applicant provides the correct data. Always transcribe this information directly from the physical driver's license to ensure accuracy. Using a tool like Instafill.ai can help by pre-filling this data from a saved profile, reducing manual entry errors.

The policy details section contains checkboxes for billing ('Direct Bill' vs. 'Agency Bill') and policy delivery ('Mail Policy to Agent' vs. 'Mail Policy to Applicant'). Applicants sometimes mistakenly check both options in a category out of confusion. This creates an administrative conflict that must be resolved before the policy can be correctly set up and issued. To avoid this, carefully choose only one option for billing and one for policy delivery based on your preference.

When asked to list 'Anti-Theft Devices', many people simply write 'Alarm' or check a box without providing specifics. Insurers offer different discount amounts for different types of systems (e.g., passive disabling alarms, VIN etching, GPS tracking systems). Vague information prevents the underwriter from applying the maximum eligible discount, resulting in a higher premium. Be as specific as possible by listing the type of system installed on the vehicle to ensure you receive all applicable credits.