Billing and Payments — Frequently Asked Questions

I received a bill what should I do next?

Invoice notices are generated 30 days before the due date. We understand that billing can raise questions; we want to make the process as clear and manageable as possible.

You can choose any of the following payment options:

  • Mail – Send payment to our lockbox at Attn: Assigned Risk Solutions Accident Fund Insurance Company of America P.O. Box 734671 Chicago, IL 60673-4671
  • Phone – Call 866-221-9640, option 3, to pay through our automated IVR system
  • Online Portal – Sign in to your policyholder portal to make a payment (note that renewal payments are not accepted on the portal at this time)

What payment methods do you accept?

We currently accept the following methods:

  • Payments via bank account (ACH) through phone or portal
  • Checks or money orders mailed to our lockbox
  • Automatic recurring payments are not available at this time
  • Credit card payments are not accepted

How do I call in to check or pay my outstanding balance?

You can call us at 866-221-9640 and select the “Make a Payment” option.

This will take you to our automated IVR system, which will guide you through the process. Once you provide your policy information, the system will share the outstanding balance for that specific policy term.

Important: If you have more than one term with a balance due, please check each term separately so nothing is missed.

Payments can be made using your bank account information.

Phone Payments: What does 'enter the first nine digits of your policy number' mean?

When paying by phone, the IVR system will request the first nine digits of your policy number.

Example:

If your policy number is DAP99012345601, enter 990123456.

Please note:

  • The IVR can only process one policy term at a time
  • If you are paying multiple terms, you must make a separate payment for each

How do I pay my bill online?

You can make a payment online through the Policyholder Portal. Once signed in, navigate to the Make a Payment section and you will see all your available policy terms. It’s very important to select the correct policy term you intend to pay, as payments apply only to the term you choose.

After selecting the correct term, follow the prompts to enter your bank account information and submit your payment.

Please note:

  • Renewal payments may not be available for online payment at this time.
  • Portal payments can be made by bank account (ACH) only; credit cards are not accepted.

Why can't I pay more than my outstanding balance on the portal?

The portal only allows you to pay the amount that has already been billed. 

If you want to pay more than your outstanding balance, you must use one of the following methods: 

  • Phone: Call 866-221-9640 and follow the prompts to make a payment. 
  • Mail: Send your payment to our lockbox at: 

Attn: Assigned Risk Solutions 

Accident Fund Insurance Company of America 

P.O. Box 734671 

Chicago, IL 60673-4671

What does it mean if I am considered noncompliant?

Noncompliance can affect your coverage and eligibility within the residual market.

Examples include:

  • Your current policy may cancel for nonpayment
  • You cannot obtain a new policy in the residual market until the balance is resolved
  • If your active coverage is with another carrier, that policy may also cancel
  • For unpaid audit premiums, your account may be referred to a collections agency

What happens if my policy is scheduled to cancel for nonpayment (Michigan and Indiana)?

Your installment plan privileges will be forfeited upon issuance of a second nonpayment cancellation notice during your policy term. The entire outstanding balance of the premium owed must be paid prior to the cancellation date to continue coverage. 

How long until my account is sent to collections?

You are at risk of being referred to a collections agency approximately 3 weeks after your bill’s due date, if payment has not been received nor any payment arrangement made with our billing team.

What should I do if I've been contacted by a collections agency?

If a collections agency has reached out to you, please work directly with them to arrange payment(s). 

If you’re unsure whether your account has been sent to collections, call 866-221-9640 and select the Billing option. 

If you already have a payment agreement with the collections agency, please email a copy of your signed agreement to: 

[email protected]

Why aren't I receiving my policy related documents in the mail?

There are several reasons you may not be receiving your mail:

  • The mailing address on file may be outdated or incorrect
  • Postal delays may be affecting delivery
  • Document processing issues could cause delays
  • Virginia customers: The USPS has reported higher rates of delayed or misdelivered mail in certain areas of the state

We can verify and update your mailing address at any time. You may also wish to check with your local post office or contact USPS at 1‑800‑ASK‑USPS for assistance.