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Insurance Policy

This document is a renewal notice for Rejwan Haque's auto insurance policy with State Farm, covering the period from February 8, 2026, to August 8, 2026, with a premium of $657.92. It includes details about the vehicle, coverage limits, discounts, and the importance of reporting any changes in vehicle or driver information. Additionally, it emphasizes the impact of claims on premiums and provides information on personal injury protection coverage options.
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© All Rights Reserved
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0% found this document useful (0 votes)
31 views14 pages

Insurance Policy

This document is a renewal notice for Rejwan Haque's auto insurance policy with State Farm, covering the period from February 8, 2026, to August 8, 2026, with a premium of $657.92. It includes details about the vehicle, coverage limits, discounts, and the importance of reporting any changes in vehicle or driver information. Additionally, it emphasizes the impact of claims on premiums and provides information on personal injury protection coverage options.
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd

State Farm Mutual Automobile Insurance Company

PO Box 2358
Bloomington IL 61702-2358

HAQUE, REJWAN
A-245C A AUTO RENEWAL
7475 FLYING CLOUD DR APT 454
EDEN PRAIRIE MN 55344-3831 PREMIUM PAID: $657.92
DO NOT PAY.
Your premium is billed through the State Farm Payment Plan
State Farm Payment Plan Number: 1309231205

Your State Farm Agent


LAUBE INS AND FIN SVCS INC
Policy Number: 541 5112-B08-23 Office: 651-344-8929
Policy Period: February 8, 2026 to August 8, 2026
Address: 3450 151ST ST W
Vehicle: ROSEMOUNT, MN 55068-1755
2021 TOYOTA CAMRY If you have a new or different car, have added any drivers, or have moved,
please contact your agent.
Principal Driver:
REJWAN HAQUE Thank you for choosing State Farm.

Various limits are available at your option for coverages: one-time electronic fund transfer from your account or to
A Liability-Bodily Injury/Property Damage P Personal process the payment as a check transaction. When we use
Injury Protection Q Added Income Benefits U Uninsured information from your check to make an electronic fund
Motor Vehicle W Underinsured Motor Vehicle transfer, funds may be withdrawn from your account as soon
as the same day we receive your payment, and you will not
Contact your agent if you are interested in changing your
receive your check back from your financial institution.
limits or adding additional coverages.
When you provide a check as payment, you authorize us
either to use information from your check to make a

Policy Number: 541 5112-B08-23 Page number 1 of 13


Prepared December 17, 2025
1004583 143562 202 01-15-2018

Drive Safe & Save® puts you in


the driver's seat of your discount.
Get a discount just for enrolling. From there,
how you drive determines how much you save.

If you haven't already, download the app


and enroll. Text SAVEMORE to 42407;
contact your agent, LAUBE INS AND FIN
SVCS INC , at 651-344-8929; or scan this
QR code.

Discounts may exceed 30% and vary state-to-state (NY capped at


30%). Not available in CA, MA, RI. A discount may not be available in NC
depending on individual facts and circumstances. Setup required.

TP41
VEHICLE INFORMATION
Review your policy information carefully. If anything is incorrect, or if there are any changes to your vehicle information, please
let us know right away.
Vehicle Identification
Vehicle Description Number (VIN) Who principally drives this vehicle? How is this vehicle normally used?
2021 TOYOTA CAMRY 4T1T11AK0MU551636 REJWAN HAQUE, a married male, who will To Work, School or Pleasure.
be age 35 as of February 08, 2026.

With Drive Safe & Save ®, mileage information and driving model. In addition, we review the comprehensive, collision,
characteristics are used to determine your discount. Your bodily injury and property damage claim experience
calculated annual mileage is 15,800. annually to determine which makes and models have
Premium Adjustment earned decreases or increases from State Farm's standard
Each year, we review our medical payments and personal rates. If any changes result from our reviews, adjustments
injury protection coverages claim experience to determine are reflected in the rates shown on this renewal notice.
the vehicle safety discount that is applied to each make and

DRIVER INFORMATION
Assigned Driver(s)
The following driver(s) are assigned to the vehicle(s) on this policy.

Age as of Marital
Name February 8, 2026 Gender Status
REJWAN HAQUE 35 Male Married

It is your responsibility to inform us of all regular • For business related vehicles, also include the
drivers of your vehicles and changes to those drivers business owner(s) and employee(s) that drive the
throughout the life of your policy. Failure to disclose vehicle(s) in any capacity
drivers may result in denial of coverage. Regular Principal Driver & Assigned Drivers
drivers, regardless of their relationship to the primary For each automobile, the Principal Driver is the individual
named insured or their residence address, include: who most frequently drives it.
• All drivers who drive the vehicle(s) on the policy Each driver is designated as an Assigned Driver on the
once or more in a typical month household automobile that they most frequently drive. Your
• All drivers who regularly drive the vehicle(s) at premium may be influenced by the information shown for
least three months of the year these drivers.

IMPORTANT NOTICE REGARDING YOUR PREMIUM


State Farm works hard to offer you the best combination of insurance score. Re-rating could result in a lower rate, no
price, service, and protection. The amount you pay for change in rate, or a higher rate.
automobile insurance is determined by many factors such Notice of insurance information collection practices -
as the coverages you have, where you live, the kind of car personal, family, or household insurance transactions:
you drive, how your car is used, who drives the car, and We often collect personal information from persons other
information from consumer reports. than the individual or individuals listed on the policy. Such
You have the right to request, no more than twice annually, personal information may, in certain circumstances, be
that your policy be re-rated using a current credit-based disclosed to third parties without your authorization. If you
(continued on next page)

Policy Number: 541 5112-B08-23 Page number 2 of 13


Prepared December 17, 2025
IMPORTANT NOTICE REGARDING YOUR PREMIUM continued
would like additional information concerning the collection see and correct any personal information in your files - it will
and disclosure of personal information - and your right to be furnished upon request.

COVERAGE AND LIMITS See your policy for an explanation of these coverages.
A Liability
Bodily Injury 100,000/300,000
Property Damage 100,000 $181.45
P20 Personal Injury Protection
includes Medical 20,000
other expenses to 20,000 $65.84
D 500 Deductible Comprehensive $136.79
G 500 Deductible Collision $192.36
H Emergency Road Service $5.81
R1 Car Rental & Travel Expense
$50 Per Day, $1,500 Max $20.74
U Uninsured Motor Vehicle
Bodily Injury 100,000/300,000 $23.13
W Underinsured Motor Vehicle
Bodily Injury 100,000/300,000 $31.30
$657.42

Plus Auto Theft Prevention Surcharge $0.50


Total Premium $657.92

The claim experience on your make and model of vehicle The claim experience on your make and model of vehicle
has resulted in a reduction to your vehicle rating group for has resulted in a reduction to your liability rating group for
comprehensive coverage. bodily injury and/or property damage coverages.
The claim experience on your make and model of vehicle If any coverage you carry is changed to give broader
has resulted in a reduction to your vehicle rating group for protection with no additional premium charge, we will give
collision coverage. you the broader protection without issuing a new policy,
starting on the date we adopt the broader protection.

DISCOUNTS These adjustments have already been applied to your premium.

Multiple Line P
Antitheft P
Good Driving P
Drive Safe & Save® P
Total Discounts $454.09

Policy Number: 541 5112-B08-23 Page number 3 of 13


Prepared December 17, 2025
SURCHARGES AND DISCOUNTS
AUTOMOBILE RATING PLAN - Applies to private property damage liability and collision coverages for an
passenger cars only. at-fault accident.
Accident-Free Discount – Once your policy has been in Surcharges – If there are chargeable accidents, you may
force for at least three years with no chargeable accidents, lose your Good Driving Discount or Accident-Free Discount
you may qualify for our Accident-Free Discount. Once you and receive accident surcharges. But if the accident is the
qualify, this discount applies as long as there are no first to become chargeable in nine years and this policy has
chargeable accidents, and may even increase over time. been in force for at least that long, the Accident-Free
Good Driving Discount - Newer policyholders who do not Discount will continue and no surcharge will apply. The
yet qualify for our Accident-Free Discount (available after surcharge for each accident depends upon the number and
three years with no chargeable accidents) may already be timing of the accidents, and each accident surcharge will
receiving a Good Driving Discount. This discount continues remain in effect up to three years.
to apply until your policy qualifies for the Accident-Free Surcharges will be removed if the company is given
Discount as long as there are no chargeable accidents and satisfactory evidence that the driver involved is no longer a
no new drivers. If you add new drivers, they must also member of the household or will not be driving the car in the
qualify in order for your Good Driving Discount to continue. future. If that driver is insured on another State Farm policy,
Chargeable Accidents - For new business rating, an his or her driving record will be considered in the rating of
accident is chargeable if it results in $750 or more of the other policy.
damage to any property. For renewal business, an accident These discounts and surcharges do not apply to all
is chargeable as of the date State Farm pays at least $750 coverages. For complete details, see your State Farm agent.
(for accidents occurring on or after April 1, 1999) under

ADDITIONAL INFORMATION
If any information on this renewal notice is incomplete or information regarding discounts or coverages, see your
inaccurate, or if you want to confirm the information we have State Farm agent or visit [Link]®.
in our records, please contact your agent. For additional

Buying a new car? Remember to contact your agent!


When you buy an additional car or one that replaces a car already on your policy, you need to report the change to your agent
promptly. Even though the dealership you purchased the car from may offer to notify your agent or insurance company, you, as
the named insured, are responsible for reporting all changes to your auto policy. By contacting your agent, you can help:
• avoid any complications or lack of coverage in the event of an accident or loss,
• avoid insurance verification problems with a lienholder, the police, or the department of motor vehicles, and
• ensure that you receive any new discounts you may be entitled to.
Your current State Farm policy automatically provides certain coverages for a new or replacement car for up to a specified, limited
number of days after you take possession of the car. Please refer to your policy for the number of days that applies in your state.
If you have any questions about coverage for a newly acquired car, please contact your State Farm agent.
Disclaimer: This message is provided for informational purposes only and does not grant any insurance coverage. The terms and
conditions of coverage are set forth in your State Farm Car Policy booklet, the most recently issued Declarations Page, and any
applicable endorsements.

Important notice regarding authorization to collect personal information


You may have given authorization for State Farm® to collect personal information about you and other persons in your household
when you applied for auto insurance. If so, we may use information collected to make underwriting and rating decisions regarding
your auto policies. If you have given authorization, it will remain valid as long as you maintain a continuous customer relationship
with State Farm or until revoked. If you have any questions or wish to revoke this authorization, please contact your agent.

(continued on next page)

Policy Number: 541 5112-B08-23 Page number 4 of 13


Prepared December 17, 2025
Important information about personal injury protection coverage
You currently carry nonstacking personal injury protection coverage (coverage P). If you want stacking coverage P for a
relatively small additional premium, please contact your agent. If you want to keep nonstacking coverage, you need do nothing
further.
Coverage P is a mandatory coverage under the Minnesota no-fault law and pays up to your coverage limits for medical expense,
income loss, replacement services loss, survivor's loss and funeral expense benefits.
As the law requires, coverage P can be purchased in two forms - stacking and nonstacking . If you purchase stacking coverage
P, you may be able to add together the limits from more than one policy to help cover a loss. This varies depending on whether
you are the named insured, a resident relative of the named insured, or a guest passenger. Nonstacking coverage P cannot be
added to coverage P on other vehicles to pay losses and expenses.
The same selection of either nonstacking or stacking coverage P must be made for all policies in the household insured by
State Farm in which you or your spouse is a named insured.
Before choosing stacking coverage P, take into consideration that purchasing higher limits for coverage P on each car may be a
better coverage option for your personal needs. A household with only one vehicle or named insureds that are not "natural"
people (such as a corporation) may not benefit from stacking coverage. For this type of insured, nonstacking may be the
appropriate option.
Your selection of stacking or nonstacking coverage will apply to this policy, all future renewals, and future replacement policies
issued to you until you notify the company to the contrary. If you have any questions, please contact your agent.

Important notice regarding your policy


A copy of your current State Farm® vehicle policy form is available upon request. You received this policy form from State Farm
when your policy was issued; however, if your policy form has been misplaced or you need another copy for any reason, please
contact your State Farm agent.

Policy Number: 541 5112-B08-23 Page number 5 of 13


Prepared December 17, 2025
IMPORTANT NOTICE
Regarding Your Policy

Please be aware that claims made under any coverage


you carry, including but not limited to liability coverage,
comprehensive coverage, collision coverage, and per-
sonal injury protection coverage, as well as calls for emer-
gency roadside assistance, may impact your premiums.
The amount you pay for automobile insurance is deter-
mined by many risk factors, and the presence of past
claims may impact several of these rating elements.

DISCLAIMER: This notice only provides a general sum-


mary of changes to your State Farm policy. This notice is
not a statement of contract. This notice does not change,
modify, or invalidate the provisions, terms, or conditions as
set forth in your State Farm policy booklet, the most re-
cently issued declarations, and any applicable endorse-
ments.

State Farm Mutual Automobile Insurance Company


State Farm Fire and Casualty Company
Bloomington, IL

(10/2022) 153-7414 MN
153-7757 MN

IMPORTANT NOTICE
Regarding Changes to Your Policy

The attached AMENDATORY ENDORSEMENT is added to your State Farm® Car Policy.
It is your responsibility to inform us of all regular drivers of your vehicles and changes to those drivers throughout the life
of your policy. Failure to disclose drivers may result in denial of coverage or other adverse action. Regular drivers,
regardless of their relationship to the primary named insured or their residence address, include:
• All drivers who drive the vehicle(s) on the policy once or more in a typical month
• All drivers who regularly drive the vehicle(s) at least three months of the year
• For business related vehicles, also include the business owner(s) and employee(s) that drive the vehicle(s) in any
capacity
The drivers disclosed to us are listed on the most recent copy of your Auto Renewal. Review the drivers and contact
your Agent if you need to add or remove any listed drivers.
Please read the Amendatory Endorsement and place it with your policy. If you have any questions, please contact your
agent.

DISCLAIMER: This notice only provides a general summary of changes to your State Farm policy. This notice is not a statement of
contract. This notice does not change, modify, or invalidate the provisions, terms, or conditions as set forth in your State Farm policy
booklet, the most recently issued declarations, and any applicable endorsements.

State Farm Mutual Automobile Insurance Company


State Farm Fire and Casualty Company
Bloomington, IL

153-7757 MN
(06/2025)
Page 1 of 1
6130H
Page 1 of 5

AMENDATORY ENDORSEMENT

This endorsement is a part of the policy. Except for the changes this endorsement makes, all other provisions
of the policy remain the same and apply to this endorsement.
1. THIS POLICY
a. Item 3. is changed to read:
We agree to provide insurance according to the terms of this policy:
a. based on payment of premium for the coverages carried, the applicable limits, and deducti-
bles chosen;
b. in reliance upon information that affects eligibility and premium provided by you or other
sources to us in the application for this policy and during the policy period. This includes, but
is not limited to:
(1) vehicles insured;
(2) use of your car;
(3) primary garaging location; and
(4) drivers of any vehicle insured under this policy; and
c. unless otherwise stated on the Declarations Page, in reliance on the following statements:
(1) Neither you nor any member of your household has, within the past three years, had
either:
(a) a license to drive; or
(b) a vehicle registration
suspended, revoked, or refused.
(2) Your car is used for pleasure and business.
b. Item 4. is changed to read:
All named insureds shown on the Declarations Page and all applicants agree by acceptance of
this policy that:
a. the statements in 3. above are made by such named insured or applicant and are true;
b. all information provided to us in the application for this policy was true, correct, and complete;
c. all information on the Declarations Page and Auto Renewal is:
(1) true, correct, and complete; and
(2) any changes to information described in 3. above have been provided to us by you if
changed during any policy period; and
d. we provide this insurance on the basis the above statements and information are true, correct,
and complete.

©, Copyright, State Farm Mutual Automobile Insurance Company, 2025


6130H
Page 2 of 5

Concealing or misleading material information that affects eligibility or premium may be fraudulent,
resulting in cancellation or nonrenewal of the policy, or denial of coverage under the policy.
2. LIABILITY COVERAGE
Exclusions
Exclusion 14. is changed to read:
THERE IS NO COVERAGE FOR AN INSURED FOR THE OWNERSHIP, MAINTENANCE, OR USE
OF ANY VEHICLE WHILE IT IS:
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY PREARRANGED
OR ORGANIZED RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMP-
ING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion
(14.b.) does not apply if the vehicle is being used in connection with an activity other than racing,
high-speed driving, or any type of competitive driving; OR
3. UNINSURED MOTOR VEHICLE COVERAGE
a. Deciding Fault and Amount
Item 2. is changed to read:
We are not bound by any:
a. judgment or arbitration decision obtained if we have not received timely notice of the com-
mencement of the lawsuit or arbitration; and
b. default judgment or arbitration against any person or organization other than us.
b. Exclusions
The following exclusion is added:
THERE IS NO COVERAGE FOR AN INSURED FOR THE OWNERSHIP, MAINTENANCE, OR
USE OF ANY VEHICLE WHILE IT IS:
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY PREAR-
RANGED OR ORGANIZED RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CON-
TEST, JUMPING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This ex-
clusion (b.) does not apply if the vehicle is being used in connection with an activity other than
racing, high-speed driving, or any type of competitive driving.
4. UNDERINSURED MOTOR VEHICLE COVERAGE
b. Deciding Fault and Amount
Item 2. is changed to read:
We are not bound by any:
b. judgment or arbitration decision obtained if we have not received timely notice of the com-
mencement of the lawsuit or arbitration; and
©, Copyright, State Farm Mutual Automobile Insurance Company, 2025
6130H
Page 3 of 5

b. default judgment or arbitration against any person or organization other than us.
c. Exclusions
(1) Exclusion 1. is changed to read:
THERE IS NO COVERAGE FOR AN INSURED WHO,
WITHOUT PROVIDING US ADVANCE WRITTEN NOTICE AS DESCRIBED UNDER “DECIDING
FAULT AND AMOUNT”, SETTLES WITH ANY PERSON OR ORGANIZATION WHO MAY BE
LIABLE FOR THE BODILY INJURY AND THEREBY PREJUDICES OUR RIGHT TO RECOVER
OUR PAYMENT;
(2) The following exclusion is added:
THERE IS NO COVERAGE FOR AN INSURED FOR THE OWNERSHIP, MAINTENANCE, OR
USE OF ANY VEHICLE WHILE IT IS:
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY PREAR-
RANGED OR ORGANIZED RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CON-
TEST, JUMPING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This ex-
clusion (b.) does not apply if the vehicle is being used in connection with an activity other than
racing, high-speed driving, or any type of competitive driving.
5. PHYSICAL DAMAGE COVERAGE
Exclusions
Exclusion 19. is changed to read:
THERE IS NO COVERAGE FOR ANY COVERED VEHICLE WHILE IT IS:
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY PREARRANGED
OR ORGANIZED RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMP-
ING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion
(19.b.) does not apply if the vehicle is being used in connection with an activity other than racing,
high-speed driving, or any type of competitive driving.
6. DEATH, DISMEMBERMENT AND LOSS OF SIGHT COVERAGE
Exclusions
Exclusion 2.d. is changed to read:
COVERAGE DOES NOT APPLY TO AN INSURED WHILE OCCUPYING, LOADING, OR UNLOAD-
ING A VEHICLE WHILE IT IS:
(1) BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY PREARRANGED
OR ORGANIZED RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMP-
ING CONTEST, OR ANY SIMILAR CONTEST; OR

©, Copyright, State Farm Mutual Automobile Insurance Company, 2025


6130H
Page 4 of 5

(2) ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion
(2.d.(2)) does not apply if the vehicle is being used in connection with an activity other than racing,
high-speed driving, or any type of competitive driving.
7. INSURED’S DUTIES
The following is added:
Duty to Notify Us of Changes
You must notify us if there are changes to any information shown on the Declarations Page or Auto
Renewal, or to information that affects eligibility or premium. This includes, but is not limited to changes
in:
a. use of your car;
b. primary garaging location;
c. drivers of any vehicle insured under this policy; or
d. driver’s license status of any driver.
You must notify us of a newly acquired car within the timing described in the newly acquired car
definition. You must notify us of all other changes within 90 days of that change.
Failure to notify us of changes that affect eligibility or premium may be fraudulent, resulting in cancel-
lation or nonrenewal of the policy, or denial of coverage under the policy.
8. GENERAL TERMS
a. Premium
(1) Item b. is changed to read:
The renewal premium for this policy will be based upon the rates in effect, the coverages
carried, the applicable limits, deductibles, and other elements that affect the premium that
apply at the time of renewal including, but not limited to:
(1) vehicles insured;
(2) use of your car;
(3) primary garaging location; and
(4) drivers of any vehicle insured under this policy.
(2) Item d. is changed to read:
The premium for this policy is based upon the coverages carried, the applicable limits, de-
ductibles, and information we have received from you or other sources. You must inform us
if any information regarding the following is incorrect or incomplete, or changes during the
policy period, and you must answer questions we ask regarding the following:
(1) Your car, or its use, including annual mileage;
(2) The persons who regularly drive your car, including newly licensed family members;
(3) Your marital status; or
(4) The location where your car is primarily garaged.

©, Copyright, State Farm Mutual Automobile Insurance Company, 2025


6130H
Page 5 of 5

If the above information or any other information used to determine the premium is incorrect,
incomplete, changes during the policy period, or is not provided to us when we ask, then we
may decrease or increase the premium during the policy period. If we decrease the premium
during the policy period, then we will provide a refund or a credit in the amount of the de-
crease. If we increase the premium during the policy period, then you must pay the amount
of the increase.
b. Cancellation
The following is added to item b.(2):
After this policy has been in force for more than 59 days, we may cancel this policy before the end
of the current policy period for any other reason allowed by law.
c. Concealment or Fraud
The Concealment or Fraud provision is replaced by:
Concealment, Misrepresentation, or Fraud
1. To determine your eligibility for coverage under this policy and to determine your premium,
we relied upon statements and representations you or the applicant provided to us.
2. There is no coverage under this policy and we may cancel or nonrenew this policy, if you or
an applicant have made false statements with the intent to conceal or misrepresent any ma-
terial fact or circumstance in connection with:
a. the application for this policy; or
b. any change to this policy or elements that affect eligibility or premium including, but not
limited to:
(1) vehicles insured;
(2) use of your car;
(3) primary garaging location; and
(4) drivers of any vehicle insured under this policy.
3. There is no coverage under this policy if you or any other person insured under this policy
has made false statements with the intent to conceal or misrepresent any material fact or
circumstance in connection with any claim under this policy.
This provision (3.) does not apply to Liability Coverage.
6130H

©, Copyright, State Farm Mutual Automobile Insurance Company, 2025


The maximum amount that the Minnesota Insurance
Guaranty Association will pay in regard to a claim
under all policies issued by the same insurer is
limited to $300,000. This limit does not apply to
workers’ compensation insurance. Protection by the
Guaranty Association is subject to other substantial
limitations and exclusions. If your claim exceeds the
Guaranty Association’s limits you may still recover a
Notice Concerning Policyholder part or all of that amount from the proceeds from the
liquidation of the insolvent insurer, if any exist. Funds
Rights In An Insolvency Under to pay claims may not be immediately available. The
The Minnesota Insurance Guaranty Association assesses insurers licensed to
Guaranty Association Law sell property and casualty or liability insurance in
Minnesota after the insolvency occurs. Claims are
paid from the assessment.

THE PROTECTION PROVIDED BY THE


The financial strength of your insurer is one of
GUARANTY ASSOCIATION IS NOT A SUBSTITUTE
the most important things for you to consider
FOR USING CARE IN SELECTING INSURANCE
when determining from whom to purchase a
COMPANIES THAT ARE WELL MANAGED
property or liability insurance policy. It is your best
AND FINANCIALLY STABLE. IN SELECTING
assurance that you will receive the protection for
AN INSURANCE COMPANY OR POLICY, YOU
which you purchased the policy. If your insurer
SHOULD NOT RELY ON PROTECTION BY THE
becomes insolvent, you may have protection from
GUARANTY ASSOCIATION.
the Minnesota Insurance Guaranty Association
as described below but to the extent that your
THIS NOTICE IS REQUIRED BY MINNESOTA
policy is not protected by the Minnesota Insurance
STATE LAW TO ADVISE POLICYHOLDERS
Guaranty Association or if it exceeds the Guaranty
OF PROPERTY AND CASUALTY INSURANCE
Association’s limits, you will only have the assets, if
POLICIES OF THEIR RIGHTS IN THE EVENT
any, of the insolvent insurer to satisfy your claim.
THEIR INSURANCE CARRIER BECOMES
INSOLVENT. THIS NOTICE IN NO WAY IMPLIES
Residents of Minnesota who purchase property
THAT THE COMPANY CURRENTLY HAS ANY
and casualty or liability insurance from insurance
TYPE OF FINANCIAL PROBLEMS. ALL PROPERTY
companies licensed to do business in Minnesota
AND CASUALTY INSURANCE POLICIES ARE
are protected, SUBJECT TO LIMITS AND
REQUIRED TO PROVIDE THIS NOTICE.
EXCLUSIONS, in the event the insurer becomes
insolvent. This protection is provided by the
Minnesota Insurance Guaranty Association.

Minnesota Insurance Guaranty Association


4640 West 77th Street, Suite 342 State Farm Mutual Automobile Insurance Company
Edina, Minnesota 55435 State Farm Fire and Casualty Company
(952) 831-1908 Bloomington, IL

(continued on back)

4/14 (C) 153-6103 MN.1 4/14 (C) 153-6103 MN.1

153-6103 [Link] 1-2 3/31/14 10:08 AM

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