ACORD 88 (2015/12) PDF – Personal Insurance Application

ACORD 88 (2015/12)

Personal Insurance Application

Form Number:

ACORD 88 (2015/12)

Category:

Insurance Forms

Last Updated:

December 2015

Page Count:

04 pages

File Format:

PDF, Fillable PDF

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ACORD 88

The Acord 88 form, officially known as Personal Insurance Application, is a standardized document used by agents, carriers, and applicants to gather required applicant information, prior coverage, and loss history. The form ensures all information is provided in a structured way, which helps insurers underwrite personal auto, homeowners, umbrella, and other coverages. If you’re preparing to apply for personal insurance coverage, download the fillable PDF form from our website today and start your application with confidence.

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Benefits of the Acord 88 PDF

Multiple Lines of Personal Coverage

The form is used to work with personal auto, homeowners, umbrella, inland marine, and watercraft. This makes it versatile while applying for multiple personal insurance.

Transparent Loss History

The Acord 88 form has a dedicated section for claims, loss dates, amount paid, and dispute cases, which helps insurers evaluate prior risks more effectively.

Standardized Format

The form is recognized by the entire insurance industry. It combines all required applicant and co-applicant information in one place, including contact details, residence, and employment history, helping insurers easily build a complete profile without missing any important data.

Key Sections of The Acord 88 Fillable Form

Producer & Carrier Information

This section collects the agency name, address, phone number, email, carrier name, NAIC code, policy number, plan type, etc.

Transaction Status

Specifies whether the application is for a new policy, a renewal, a policy change, or another transaction.

Applicant Information Section

It captures the applicant’s name, phone number, date of birth, social security number, marital status, and length of residence. It also includes employment information, such as the employer’s name, occupation, years of employment, and prior employment history.

Location Schedule

This section contains all locations connected to the insurance, such as where vehicles are garaged or properties are located, including full addresses.

Prior Coverage

It provides a detailed record of the applicant’s prior insurance, including the type of coverage, the prior carrier’s name, the prior policy number, the expiration date, and the liability limitations.

Loss History Section

It describes any previous claims or losses within the timeframe required by the carrier.

General Information

This section contains a series of underwriting questions about cancellation, non-renewals, bankruptcies, judgments, existing insurance, ownership of additional properties, etc.

Payment Plan

It describes how the premium will be paid. This section includes full payment, installment, agency bill, or direct billing options.

Additional Interest

It collects detailed information about mortgagees, lienholders, or loss payees, including their names and addresses.

Forms and Endorsements

Lists all attached forms and endorsements that apply to the policy, such as Acord 89, Acord 829, Acord 45, and Acord 101.

How To Complete The Acord Personal Auto Insurance Application?

  1. Producer & Carrier Information: Enter the agency name, agency code, carrier name, insured name, NAIC code, policy number, agency customer ID, contact details, insurance plan, facility code, effective date, and expiration date.
  2. Transaction Type: Select the appropriate transaction type from the following checkboxes: New, Renewal, Policy
  3. Coverage Type: Select the required coverage, such as personal auto, residential, personal umbrella, personal inland marine, or watercraft.
  4. Applicant Information: Provide the applicant’s full name, date of birth, social security number (SSN), marital status/civil union, complete primary address, primary phone number, previous address, years at previous address, employer name and address, residence (owned or rented), etc.
  5. Location Schedule/Garaging Location: List all locations, including location number and complete address.
  6. Prior Insurance Coverage: Provide details of prior insurance coverage, including line of business, prior carrier, prior policy number, expiration date, etc. Mark “No Prior Coverage” if applicable.
  7. Loss History: Describe all prior losses, including line of business, loss date, loss type, description of loss, claim amounts, and dispute cases.
  8. General Information: Respond to each question related to financial history, other residences, criminal records, or recreational vehicles. Provide an explanation of any answer with a “Yes” response.
  9. Payment Plan: Provide billing account number, deposit amount in $, and estimated total premium. Also, choose the billing type, payment plan, and payment method. You can also attach the Acord 610, Premium Payment Supplement, if additional information is required.
  10. Additional Interest: Write the legal name of the additional interest, such as mortgagee, lienholder, or loss payee, including their full name and address, interest type, loan or file number, and property/location it applies to. Also, attach the Acord 45, Additional Interest Schedule, if more space is required.
  11. Forms & Endorsements: List each endorsement, including location numbers, item number, vehicle number, form number, form name, edition date, and copyright owner code. Attach the Acord 829 (Forms & Endorsements Schedule) if more space is required.
  12. Remarks/Attachments: Attach and describe each required attachment, such as photographs, flood exclusive notice, protection device certificate, etc. Attach Additional Remakes Schedule (Acord 101), if more space is required.
  13. Signature: The producer and the applicant must sign and date the form to certify that the provided information is accurate and complete.
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Frequently Asked Questions

This form is also known as “Personal Insurance Application,” which is used to gather all necessary information of the applicant and co-applicant, including their names, addresses, employment history, prior coverage, loss history, payment preferences, and required endorsements.

Of course, this form has a dedicated section for co-applicants, allowing both applicants and co-applicants’ personal and employment information to be recorded together. Additionally, this form is helpful for married couples or partners applying for joint insurance coverage.

The form has an option of “No Prior Coverage.” You have to check this box if you don’t have it. This will let the insurers know that you are applying without a history of prior policies.

Yes, you can submit the form electronically. While some agencies accept a signed copy.

Yes, you must attach all required attachments mentioned in the “Remarks and Attachments” section, such as Acord 89, Acord 829, and the State Supplement (if applicable), etc.