All lines of coverage

PA

Personal auto, without re-keying the dec page.

Drivers, vehicles, limits and prior carrier.

Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Personal auto answers for the insured’s liability to other people after an at-fault accident and, under collision or comprehensive, for damage to the insured’s own vehicle. The state requires proof of insurance, and a lender or lessor requires full coverage. Cennairus places household auto from the declarations page: drivers, vehicles, limits and prior carrier, without re-keying any of it.

  • Parallelevery market with appetite, at once
  • Peoplea licensed broker works it
  • Yoursyou keep the client
  • Monthlycommission settled

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Personal Auto

A few fields — we shop it across the panel and come back with real terms. No obligation.

Photo: Robert So / Pexels

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Why send it here

What you get

Read from the dec page

Drivers, VINs, coverages and limits pulled straight off the declarations page, not retyped from a screenshot.

Household in one file

Every driver and every vehicle held against a single client record, so the second car and the teen driver are additions, not new applications.

Written for the whole driver list

Named drivers, excluded drivers and occasional operators handled the way the carrier actually rates them, not glossed over.

The bundle carriers reward

Most personal-lines markets price a combined home-and-auto account better than either policy sold alone, and both are quoted from the same intake.

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How it works

How do I quote personal auto through Cennairus?

01

Read from the prior dec

Drivers, VINs, coverages and limits pulled straight off the declarations page.

02

Bundled with the home

Auto and homeowners quoted together, which is where the account actually gets won.

03

Household in one file

Every driver and every vehicle held against a single client record.

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Worth knowing

What does a personal auto policy not cover?

  • Motorcycles, mopeds & ATVs Two- and off-road wheels are rated and underwritten differently.
  • RVs and motorhomes A vehicle that is also a residence needs its own form.
  • Boats and personal watercraft On the water is never a personal auto exposure.
  • Liability above the auto limit A serious at-fault accident can exceed the policy limit fast.

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In plain terms

What does a personal auto policy cover?

  • Personal auto answers for four things at once: legal liability to other people when the insured is at fault (bodily injury and property damage), physical damage to the.
  • After an at-fault accident, liability pays the other party up to the limit purchased, and the insured's own vehicle is repaired or valued under collision or.
  • It gets asked for two ways: the state requires proof of insurance to register and drive a vehicle, and any lender or lessor holding a lien requires full coverage —.

Who buys it: households insuring more than one vehicle; buyers financing or leasing a vehicle, where the lender requires full coverage; a new driver added to an existing household policy; households already writing homeowners or renters through the agency; owners with a clean, straightforward driving history looking to switch carriers; households about to add a personal umbrella once the auto limits are on file.

The lienholder, the named drivers and the prior carrier's loss history are already on the declarations page — that is where the new submission starts.

Questions we get

PA, answered

What does a household auto file have to include?

Each driver's name, date of birth and license number; each vehicle's VIN, use and garaging address; and the current or prior declarations page for loss history and existing limits.

Does the client need full coverage or just liability?

Liability alone satisfies the state's financial-responsibility law.

How does bundling with the home actually help?

Most carriers price a multi-line household account below the sum of two separate monoline policies, and the household sits on one file with one renewal date to track instead of two.

What if a driver has a violation or a coverage lapse?

Send it anyway.

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Cennairus

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One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.