Affirmative Insurance
Affirmative Insurance Holdings, Inc. (Affirmative) is a growing producer and provider of non-standard automobile insurance policies to individual consumers in highly targeted geographic markets. Non-standard personal automobile insurance policies provide coverage to drivers who find it difficult to obtain insurance from standard insurance companies due to their lack of prior insurance, age, driving record, limited financial resources or other factors. Non-standard automobile insurance policies generally require higher premiums than standard policies for comparable coverage. The Company offers its products and services in 11 states, including Texas, Illinois and California.
The Company offers a wide range of coverage options to meet the policyholders' and agents' needs. It offers both liability-only policies, as well as full-coverage policies, which include first-party coverage for the insured's vehicle. Affirmative's liability-only policies generally include bodily injury liability coverage, which protects insureds, if they are involved in accidents that cause bodily injury to others and also provides them with a defense if others sue for covered damages; bodily injury liability coverage, which protects insureds if they are involved in accidents that cause bodily injury to others and also provides them with a defense if others sue for covered damages, and property damage liability coverage, which protects insureds if they are involved in accidents that cause damage to another's property.