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Minnesota Car Insurance ~ Mn Auto Insurance Quote

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state auto insurance

We gathered quotes for a 30-year-old male driver with no history of accidents and average credit, unless otherwise noted. The only two states that do not have a formal car insurance requirement are New Hampshire and Virginia. However, drivers in these states may still have to prove some form of financial responsibility in the event of an accident. Drivers should have adequate funds to compensate another driver for losses, whether it is property damage, medical bills or lost wages, in the case of an at-fault accident.

But if you do cause an accident, the state will demand proof of insurance or an ability to pay for treatment of up to $50,000 in injuries and repair of up to $25,000 in property damage. If you can’t, you’ll face suspension of your license and registration. Drivers can meet the requirement, if they must, with a surety bond or by depositing money or securities with the state treasurer, or with alternate evidence that shows you have the ability to comply with state requirements. One of the most common laws is uninsured or underinsured motorist protection that covers you and your car, per person, per accident.

state auto insurance

Liability coverage is required in tort states, and Personal Injury Protection coverage is required in no-fault states with compulsory auto insurance laws. Unlike other insurance forms, you’re required under state law to buy a minimum amount of auto coverage. It may be possible to obtain an online quote, but it’s best to speak with a live customer service agent if you have specific questions. After some time has passed and you haven’t gotten into any more auto accidents or had any tickets, you may be able to look back into traditional auto insurance options again. In every state in the U.S., there is a significant market for nonstandard drivers who need auto insurance.

SafeAuto specializes in high-risk drivers who require SR-22 coverage. If your state requires your insurer to file an SR-22 on your behalf, SafeAuto can help you. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.

Call your insurance company and see if they can help you get your rates down as low as possible while still maintaining any types of insurance coverages you want or need . If you pay extra for roadside assistance, take that off your policy. If your state requires liability coverage, ensure the limits you carry on the stored vehicle are the minimum required. You can cancel your auto insurance at any point and for any reason.

Your policy term is the time between the effective date and the expiration date your coverage is valid. If you have a gap in coverage, or you don’t have coverage at all, the state will suspend your registration until you buy the insurance and pay a reinstatement fee. If your coverage lapses, the state will receive an electronic notice. Once the notice is received, the state will ask you to provide proof that you are insured. While officers still ask for proof of insurance, they can verify whether or not your insurance is active before they even get out of the patrol car. If, however, you do have a valid registration, you can’t let your insurance lapse at any time.

AAA home insurance has been supporting homeowners for well over a century. The company offers car insurance, homeowners insurance and life insurance. Several states offer drivers the option of providingproof of financial responsibility in lieu of car insurance. This state option usually requires purchasing a bond for a set amount of money that will be used in case of an accident. Typically, car insurance companies that do business in a state with an assigned risk plan must participate in the program. Like automobile insurance plans, assigned risk plans are state-run plans meant to help high-risk drivers meet their state’s car insurance requirements.

State Farm Auto Insurance

I know I’m covered internationally for up to $50,000 for my lifetime. I’m wondering if anyone buys temporary health insurance for the trip. New Hampshire also has a low rate of uninsured drivers, with only 6.1% of drivers out on the road without coverage. According to the Governor, New Hampshire also benefits from great drivers and safe roads. Recently, Florida legislators voted to repeal Florida’s no-fault insurance system, which required drivers in Florida to only carry $10,000 for medical, disability, and funeral expenses. While low limits, one of the issues with the system is the amount of fraud that takes place.

state auto insurance

Action Plus Insurance Agency gets positive ratings from online reviewers. Customers say that the insurance agency has friendly agents who offer good service. Action Plus has several OKC locations to make it easy for you to find an office near you. Metro Insurance serves the OKC area with 5 locations, and it also has offices in Tulsa, Missouri and Kansas, so you can continue working with them if you move. The agency’s website also makes it easy to download insurance cards or request documents to send to your auto lender to prove you have car insurance.

Cate Deventer is a writer, editor and insurance professional with nearly a decade of experience in the insurance industry as a licensed insurance agent. This State Auto insurance review is meant to guide you in your quest for an insurance carrier. How State Auto manages complaints speaks to how customers view the company and whether they would recommend the insurer to someone they know.

A senior citizen can elect to have the auto insurer send a copy of any termination notice to a designated party acting on behalf of the senior citizen. If your driver’s license is suspended or revoked, or if you fail to pay your premium when due, your insurer is permitted to cancel your policy mid-term or refuse to renew it. Windshield largest auto insurance companies insurance is not usually included in general liability insurance. If another party is at fault in damaging your windshield, however, the windshield damages will be covered by property damage liability. The proof will be either a bill of sale, a vehicle title signed over to you, or financing documentation showing you’re the borrower.

Motor Carrier Services

Some insurers forgive a first accident or crash after years of safe driving- or a collision that causes minor damage. On average, your rates will increase about 26% to 32% after an accident, based on Insure.com’s expert data analysis. Travelers Insurance is rated “A” by the Better Business Bureau. Travelers had 433 complaints over the last three years, and 149 complaints in the last 12 months. Travelers is also one of the four companies in this review, with a lower number of complaints than its expected share of complaints.

There are ways to maintain coverage while lowering rates for a vehicle in storage. You’ll have to contact your insurer, but it’s a fairly simple and straightforward process to remove the coverage from the car you sold and add coverage to your recently purchased car. Remember that your plates belong to you and should not stay with the vehicle when you sell it. If you don’t take your plates and the new owner gets into an accident, there could be some insurance confusion.

state auto insurance

Enter your ZIP code now to compare rates from car insurance companies that offer DMV services near you for free. Enter your ZIP code now to compare free quotes from auto insurance companies that offer DMV services in your area today. Shop around to find affordable auto insurance companies that offer DMV services. Compare rates and services from the best auto insurance companies to find the coverage you need with the lowest rates. In some states, the name on the vehicle registration must match the name on the auto insurance policy.

Side structures can be insured for higher coverage independently. The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Department Of Motor Vehicles

The car insurance agency gets high ratings from online reviewers. Local customers says the agents got them lower car insurance rates than they’d found elsewhere. Knowing how to cancel auto insurance ensures a smooth transition and helps you to avoid fees.

State Auto is a smaller car insurance company that was founded in 1921 and does business through an agent network in all 50 states plus DC. It offers a number of policy discounts and a robust menu of optional coverages. Although Travelers’ customer satisfaction scores vary across different regions, the auto insurance provider helps make customers’ insurance experience convenient with its digital management options. Customers can easily navigate around Travelers’ user-friendly web page and may even manage claims and bill payments through their account online or mobile app. Optional auto insurance coverage types include roadside assistance, custom parts, rideshare insurance and rental reimbursement.

Many or all of the companies featured here provide compensation to us. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. She holds a Bachelor’s degree in journalism with a minor in professional writing from Elon University.

  • Even though your insurance provider may have canceled your coverage, you are still required by state law to maintain coverage at all times that you are driving.
  • Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.
  • Since we already discussed liability coverage, we’ll take a moment to define the other forms of core coverage below.
  • Mopeds are considered to be motor vehicles for the purposes of uninsured motor vehicle insurance coverage and underinsured motor vehicle insurance coverage only.
  • Failure to pay penalties could result in the vehicle’s license plate being revoked and seized by law enforcement.

To pass the property and casualty exam, most states mandate a passing score of 60%. After completing your pre-license course, you will need to register to take the license property and casualty insurance exam. For information on registering for the exam, you can find more information on your state’s insurance license page. Property insurance and casualty insurance are actually two separate lines of coverage, but in most cases, you’ll need to be licensed to sell both to work for an insurance agency. Nationwide offers several discounts, especially for drivers with safe driving habits. If you have a driver in high school or college, look for Nationwide’s discounts for good students.

Typically your liability insurance coverage will not cover rented vehicles, including trailers; you’ll need to buy specific insurance for a tow trailer rental through the rental company for protection. Liability auto insurance will extend to an eligible trailer in many situations but not all. While your experience with an independent insurance agent may vary, State Auto Insurance customer service consistently receives great ratings. When interacting with State Auto, you should have reasonable confidence that you will be treated with respect. State Auto also provides most of the basic customer service features that big insurers provide, such as online invoicing and account access, a mobile app, and 24-hour roadside assistance. One tactic that USAA reportedly uses a lot is delaying claim processing.

Review Summary Of The Better Business Bureau Ratings For The Top Ten Auto & Home Insurance Companies

Many car insurance companies work in both tiers, while some companies specialize in selling high-risk auto insurance. Keep in mind that premium rates in the high-risk tier of car insurance are generally considerably higher than standard rates. The first thing you should do if an auto insurance company denies you coverage is to continue shopping. While one company may deny you coverage, another company may be happy to provide you with car insurance. Car insurance companies have the right to deny auto insurance coverage to people they consider high-risk drivers.

Comprehensive is the insurance coverage that handles when your vehicle is damaged by something other than a collision. This includes weather damage as well as fire, animals and even vandalism. One last factor that may be changing soon is the personal injury protection system. A number of factors influence your car insurance rates such as your driving record, gender, age, location, credit score and the vehicle you drive. Vehicle registrations are processed through the department of motor vehicles in your state.

If you are a resident of two states, many people simply get their insurance in the state where their vehicle is registered or where they spend the most time. You will need proof of insurance to register your vehicle and get a license plate. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. In that case, you would need to increase your coverage limit after you move.

If you don’t own a car, you might want to consider purchasing a non-owner auto insurance policy, because it provides benefits in addition to coverage for a rental car. Your collision coverage or your uninsured motorist property damage coverage, if you bought it. Rick Case is a Farmers Insurance agent that can sell insurance products in Oklahoma. He’s been a Farmers agent for more than 30 years and works to make buying car insurance a straightforward process. In online reviews, his customers say he was able to answer all their questions. CPC Insurance Agency, Inc. has an A+ rating from the Better Business Bureau, and many customers report that they’ve been with the company for many years.

State Farm offers a range of limits for these coverages, starting at the state legal minimum and increasing from there. Each driver can choose the coverage limits that meet their needs and budget. Like most insurance companies, State Farm’s commercials today inject some humor into insurance claims. During that time second-place auto insurer Geico increased its market share, sneaking up on State Farm but still more than five percent behind them. In the 1950s the company created its three-oval logo, which features the three main lines of personal insurance they sell – auto, home, and life. While it has gone through some changes, it remains very similar to the original.

Every state insurance department has personnel available to answer questions regarding auto insurance coverage and many departments publish premium comparisons to make shopping around easier. Liability Insurance covers medical expenses and damages to another person’s property as a result of a car accident caused by the insured’s negligence. If you are adequately insured on your own car, you may consider forgoing this additional liability protection. Collision Damage Waiver is also referred to as a Loss Damage Waiver .

Bad credit shouldn’t affect car insurance, experts say. States are listening. – NBC News

Bad credit shouldn’t affect car insurance, experts say. States are listening..

Posted: Mon, 09 Aug 2021 07:00:00 GMT [source]

We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

If you have a complaint about your insurance company, where do you turn? That’s what Dianne Zeitler wanted to know after she broke her arm while traveling in Vienna, Austria. If you have incidents on your driving record that make it difficult to get coverage elsewhere, SafeAuto might be an affordable second choice. If you have a clean record and can readily get coverage from another, more reliable insurer, we recommend doing so.

The insurance company’s continued financial success hasn’t stopped Consumer Reports and JD Powers & Associates from rating this company among the country’s worst auto and home insurance companies. Judgment occurs when an at-fault party is sued in a civil court for damages caused in a motor vehicle crash and has not satisfied property damage and/or bodily injury requirements. Each car insurance company weighs these factors differently when setting rates. Some companies may weigh your driving record more heavily than others, for example.

You may even hear PIP coverage referred to as “no-fault insurance.” This type of coverage pays up to a certain amount on medical bills for you and your passengers in the event of an auto accident. Customers who want great pricing and exceptional customer care but don’t want to do everything online can consider State Auto’s car insurance. Having a one-on-one relationship with a local independent agent intimately knowledgeable with your area’s regulations and insurance requirements is a major benefit of choosing State Auto for your auto insurance. This is a big positive for people who seek close contact with an insurance agent.

The director may require a bid fee to cover the expenses of implementing this section. Every notice of appeal shall include a statement under oath that the appeal is taken in good faith and not merely for the purpose of delay. It is the duty of the sheriff to do so, but the failure of a witness to appear may be excused on the same grounds as provided by law in the courts of this State. The form must be signed by the party filing it or his attorney, if any, and shall by order of reference show the address of the person signing it. Request for arbitration; no formal pleading and process; arbitration docket; filing of claim; service of summons to defendant. Upon request of the director, an insurer must provide a listing of underwriting restrictions.

Alaska exempts some residents — those who live in areas not connected by land to the state highway system or to a road with an average daily traffic volume greater than 499 vehicles — from car insurance requirements. The exemption currently includes residents of 294 places, including islands, towns and villages. However, these drivers do have to get car insurance if they have been cited for a serious traffic violation within the previous five years.

We believe everyone should be able to make financial decisions with confidence. State Auto is unlikely to compete price-wise with large companies in the insurance industry, however, may have rates competitive with other regional insurers. State Auto insurance is sold exclusively through agents, and as a result, there is no online quoting and no easy way to obtain rates for a price comparison. The sale of policies through agents means commissions, something that usually equates to higher insurance premium costs. Today, State Auto offers home, auto, marine, farm, business insurance, as well as a few specialty policies through subsidiaries and insurance agents. Knowing whether you have enough insurance for your needs depends on how much risk you are willing to take.

Average Cost of Car Insurance in Texas in 2021 – Bankrate.com

Average Cost of Car Insurance in Texas in 2021.

Posted: Fri, 08 Oct 2021 07:00:00 GMT [source]

You need to know not only that lots of other people have chosen State Farm, but whether or not you should. That means a lot of careful research, and you don’t have time for that. She filed a complaint with her insurance company’s appeals department which is overseen by a third party because it is operated by the government. She found the names of the insurance company’s board of directors and executives and sent a polite appeal to them. They should be used from comparative purposes only, since your own rates will likely differ. Use the “quick pay” page, which does not require setting up a SafeAuto online account.

Failure to show proof of coverage at an accident or when pulled over by a law enforcement officer is considered an infraction and can result in fines of up to $450. Even worse, knowingly providing false information at an accident is an automatic misdemeanor. These can quickly accumulate towards your driving record and potentially result in license suspension or even revocation.

For instance, the policyholder can choose to drop optional coverages or increase the deductible. A deductible is the out-of-pocket portion of the claim for which the driver is responsible. To compare car insurance rates by company, below you’ll see how major insurers rank on price for state minimum liability coverage. In some states, other coverages are required in addition to liability. These may include personal injury protection , uninsured motorist coverage and underinsured motorist coverage .

If you think the easiest way to cancel your auto insurance is to just stop paying, think again. If it still makes sense to switch carriers after the fee is charged, use an online rate comparison tool and see where you can save money. Are you dreaming of just selling your car and getting an insurance refund? Some states don’t allow insurance companies to charge an early cancellation fee.

The rates State Farm offered for a full coverage policy were $427 more affordable per year than Geico’s, and were even cheaper than those from Progressive, Allstate or Farmers. Behind USAA — which is only available to military families — State Farm is the cheapest in the most states. In addition to medical costs and lost wages, PIP coverage in New York might pay for household costs and transportation to medical visits. Auto-Owners also didn’t raise rates too sharply after an at-fault accident. Rates jumped from $1,441 per year to $1,851 per year, a $403 increase.

Insurance from Auto-Owners is exclusively available through independent agents, and it can’t be purchased from the company directly. However, the company still has a few modern advantages, such as a smartphone-based driver safety rating program that can lead to significant discounts for the safest drivers. Drivers can do certain services at car insurance companies, such as renewing driver’s licenses or car registrations. However, each state will decide where those tasks can be performed. Each state will have its own rules about where DMV services can be performed and what tasks can be performed by auto insurance companies.

Auto accidents are the largest portion of the tort system costs reaching more than$3 billion. These higher payouts lead to higher premiums for everyone as insurers pass their costs on to policyholders. Auto insurance rates by state changes dramatically based on your ZIP code and other factors. Also see the list of states with cheapest & highest car insurance.

Bankrate gathered average premiums from Quadrant Information Services and researched the insurance requirements for each state to serve as a starting point in your insurance shopping journey. This State Auto review will cover State Auto ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The State Auto A.M. Best rating is A-, and the State Auto S&P Rating is BBB+. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

This way, you can have cheap car insurance rates, great discounts, and a fantastic customer experience. Considering its strong reputation, affordable prices and wide range of coverage options, we selected Geico as the No. 1 insurer in 2021. Geico offers all the standard types of car insurance, plus extras like roadside assistance and mechanical breakdown coverage.

state auto insurance

To put that in perspective, rates from Allstate, the most expensive insurer in our study, increased by $1,791. State Auto mutual members will become mutual members of Liberty Mutual, which says it’s the sixth-largest auto and home insurer in the country. Here are the facts about vehicle insurance in the State of Maryland.

New Changes To Michigan’s Auto Insurance Starts July 1, 2021 – CBS Detroit

New Changes To Michigan’s Auto Insurance Starts July 1, 2021.

Posted: Tue, 29 Jun 2021 07:00:00 GMT [source]

Every insurance company claims to protect you from unexpected events. Some insurance companies go bankrupt, for example, leaving policyholders without coverage. By checking the financial picture as reported by the NAIC, you can ensure you’re working with a strong insurance company. As noted above, every company has a unique NAIC number to help people identify it. Below is a list of the NAIC numbers of the top auto insurance companies in the United States. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria.

My husband at this time stopped her in her tracks and stated there was not one speck of rust on our car. We have a $500 deductible and maybe they are cutting paying on folks that have low deductibles. My husband took our car to the Toyota dealership and explained to the body shop that we were in a dispute with State Farm and he wanted the car repaired/replaced no matter if he had to pay out of his pocket. I was home at this time from my Total Knee Replacement and needed to have a car to go to my follow-up appointment with my orthopedic surgeon and go to my PT therapy twice a week.

To find out how much you might save by purchasing multiple policies through Travelers, you may use Traveler’s online quote portal to get a quote for car and home insurance bundles or speak directly with an agent. Between Progressive and Geico, Geico is rated slightly higher by experts such as J.D. OurProgressive vs. Geico review found that both providers offer comprehensive car insurance coverage and competitive rates. The company that is best for you will depend on what you’re looking for. While other roadside assistance plans may offer more service options, Geico’s plan covers the basics at an affordable price. Compared to AAA’s cost of $50 to $100 per year, it’s a pretty good deal for those who are insured by Geico.

Your name should always match on both the named insured line and the registered owner line. If you register a car in your name and then insure it in your boyfriend’s name, the DMV won’t be able to find coverage that can be verified in your name. Even worse, you could struggle to file an insurance claim since the vehicle owner is not the primary driver on file with the insurance provider.

In the U.S., insurance companies are regulated by states, thanks to the McCarran-Ferguson Act, a 1945 federal law that exempts the business of insurance from federal regulation. Check the National Association of Insurance Commissioners’ website for the appropriate insurance contact in your state (here’s a list of members). Next, talk to your insurance company, says George Beighley Jr., an attorney who specializes in medical malpractice with the South Carolina law firm Richardson Plowden. “When I asked my insurance company to reimburse me for emergency surgery, it rejected my claim twice,” says Zeitler, a retired health care consultant from Washington, D.C. SafeAuto Insurance has competitive rates compared to major national insurers like Allstate and Geico.

The BBB profile states that the company has been accredited with the Bureau since 1941, and has received an A+ in responding to customer complaints. Enter your ZIP code below to view companies that have cheap insurance rates. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

If you do not have enough money to cover damages, you’ll have to pay out-of-pocket. If you own a car, you will need car insurance that meets the laws in your state. Each state is different, which is why it is vital to confirm the laws where you live. Driving without insurance is against the law in almost every state. Safeco had more than the median number of complaints about auto insurance in 2018. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site.

New York drivers in particular should look for specific refund guidelines. For instance, in most cases New Yorkers can expect to receive refunds in May, June and July rather than April, May and June. Sports cars, luxury vehicles and cars with high rates of theft are more expensive to insure.

Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law. State Farm has a 10-day grace period for late premium payments. During this period, an insured driver can still make the premium cheap auto insurance illinois payment and avoid a coverage lapse. The most recent NAIC data rates Progressive with a 1.46 customer complaint rating, which is nearly identical to State Farm’s 1.44 rating. However, Progressive did not fare as well as State Farm in the 2020 J.D.

You may be going through the process with another company, like Geico or USAA windshield replacement. If so, it’s likely Geico will offer glass coverage under their comprehensive policy. Wondering if you can get free windshield replacement through State Farm?

state auto insurance

AM Best is a global rating agency and information provider with a unique focus on the insurance industry. State Auto has been impacted over the past five years by technology costs, reduced premium volume and agent commissions. In 2018, it posted its best underwriting results over the latest five-year period, reflecting 5.8 points of catastrophe loss and three points of favorable prior year loss reserve development. State Auto continues to implement risk management initiatives designed to reduce severity, along with aggressive price monitoring efforts and rate increases. The balance sheet assessment of strongest is derived from risk-adjusted capitalization also being at the strongest level, a high credit quality investment portfolio and adequate reinsurance protection.

Drivers should also be aware of what is on their driving record. The amount paid for coverage should be noted and frequently compared with current market prices. The most important thing about getting non-traditional insurance is to make sure that you’re complying with state laws and not cutting any corners in getting at least the coverage you need to have. You should also inquire about steps you can take to maximize specific discounts offered to drivers by your new provider. Insurance companies can also quantify how likely an insured’s car will be stolen or damaged.

These policies have extremely high premiums because they aren’t underwritten. You’ll be able to compare prices from different insurance providers immediately, and you can also get an idea of the average price in your area. Making changes to the policy should be easy, and if the insured is not satisfied with the coverage. If you read through your policy auto insurance in michigan booklet to understand the terms and conditions of the contract, you’ll find much legalese that’s difficult for the average consumer to understand. Once you’ve compared quotes, you’ll have to select the best combination of coverage limits and the best policy. This is so that drivers don’t try to get away with driving without insurance on the roads.

If you shop around, you may find that you’ll save more if you have policies with separate insurers. Lower-risk State Farm customers could pay between $276 and $564, depending on the coverage limits selected, while higher-risk drivers could pay between $2,527 and $3,196 for maximum coverage. Car Insurance Satisfaction Study for Florida, ranking just under the regional average for overall customer satisfaction. While lower-risk drivers may benefit from Liberty Mutual’s competitive premiums, this is not the case for higher-risk drivers.

When you combine Progressive auto and condo insurance, you could earn a multi-policy discount.Δ And with those extra savings comes the convenience of managing both your policies through one company. Liberty Mutual, like previously mentioned insurers cheap auto insurance oklahoma Allstate and State Farm, hired consulting giant McKinsey to help it implement aggressive tactics. A copy of a letter from the insurance company stating details about your coverage.Generally, this letter must be signed and on company letterhead.

When you look at auto insurance quotes, remember that your price will vary based on factors like your age, driving history, location, vehicle and your eligibility for discounts. Because of this, you may pay more or less than the average price. These ranges could be used to get an idea of how much you might pay for coverage, depending on how much you need. For example, full coverage, which includes collision and comprehensive coverage, is generally more expensive than purchasing minimum coverage insurance. While full coverage helps pay for damage to your vehicle caused by accidents or other objects, you may still want to customize your policy with auto insurance endorsements.

Date: November 2, 2021