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

The form specifically asks for the actual name of the underwriting company, not the group name (e.g., 'Progressive Casualty Insurance Company' instead of just 'Progressive'). Applicants often use the common brand name they know, which can cause the application to be routed incorrectly or delayed. To avoid this, applicants should verify the exact legal name of the insurance company they are applying to. This information is usually available on the quote or from the insurance agent.

The 17-character VIN is unique to each vehicle, and even a single-digit typo will invalidate it, halting the application process. This mistake is common due to the length and complexity of the number. An incorrect VIN prevents the insurer from verifying the vehicle's history, specifications, and eligibility for coverage. To prevent this, double-check the VIN from the vehicle's registration or title certificate. AI-powered tools like Instafill.ai can automatically validate the VIN's format and checksum to catch errors instantly.

Applicants frequently misclassify their vehicle's primary use, particularly confusing a daily commute with 'Business' use. The form clarifies that driving to and from a principal place of work is considered 'Pleasure' use, while 'Business' use involves using the vehicle as part of one's job. This error can lead to incorrect premium calculations and potential claim disputes. Carefully read the definitions provided and select the appropriate category (Pleasure, Business, or Farm).

The form requires disclosure of all accidents, 'regardless of fault,' and moving violations within a specified period. Applicants may forget minor incidents or assume they don't need to report an accident where they weren't at fault. Omission of this information can be considered misrepresentation and may lead to policy cancellation or denial of a future claim. It is crucial to provide a complete and honest history for all listed drivers.

The form requires that the usage percentages for all drivers assigned to a single vehicle must total 100%. Applicants often make simple math errors, causing the sum to be over or under 100%, which leads to processing delays. This information is critical for rating the policy correctly. Before submitting, add up the percentages for each vehicle to ensure they equal exactly 100%.

This form contains many fields that are only required if a certain condition is met, such as providing a 'Previous Address' only if the applicant has lived at the current address for less than 3 years. People often miss these instructions, either by providing unnecessary information or, more critically, by omitting required details. This results in an incomplete application that requires follow-up. Reading each instruction carefully is key to avoiding this. If the form is a non-fillable PDF, a tool like Instafill.ai can convert it to a smart, fillable version that can help guide users through this conditional logic.

When asked for the 'Date Licensed,' applicants sometimes enter the issue date or expiration date of their current driver's license. The form is actually asking for the date the driver was first licensed to drive, as this is used to determine their years of driving experience for rating purposes. Providing the wrong date can negatively impact the premium calculation. Applicants should refer to their driving record or make their best estimate of the year they first received any type of driver's license.

Throughout the form, there are 'Yes/No' questions about topics like existing vehicle damage, license suspensions, or special equipment. A 'Yes' answer almost always requires a detailed explanation in the 'Remarks' section. A common mistake is to check 'Yes' but fail to provide the corresponding details. This leaves the application incomplete and requires the insurance company to contact the applicant for clarification, delaying the underwriting process.

Applicants may indicate they are eligible for discounts like 'Good Student' or 'Anti-Theft Device' but forget to attach the required proof, such as a certificate or report card. Without the supporting documentation, the insurance company cannot apply the discount, resulting in a higher premium. To avoid this, create a checklist of all claimed discounts and ensure the corresponding certificates are included with the application. AI-powered form fillers like Instafill.ai can help by reminding users to attach necessary documents based on their answers.

The form requests the applicant's full mailing address, including the county and ZIP+4 code. It's common for applicants to omit the county or the extended ZIP+4, as this information is not always top-of-mind. While it may seem minor, this data is used for precise territory rating and ensuring mail deliverability. Incomplete addresses can cause rating errors or communication delays. Using an address validation tool or looking up the full ZIP+4 can help ensure accuracy.