The company, through its insurance companies, offers liability-only policies, such as bodily injury liability coverage, personal injury protection coverage and medical payment coverage, uninsured/underinsured motorist coverage, and property damage liability coverage; and full coverage policies, which include collision coverage and comprehensive coverage for damage to the insured vehicle.
It also offers third-party nonstandard personal automobile insurance policies, complementary insurance products, and ancillary noninsurance products and services.
Affirmative’s underwriting agencies supply centralized infrastructure and personnel required to design and service insurance policies that are distributed through retail agencies.
The company’s retail agencies provide multiple points of sale under established local brands with personnel licensed and trained to sell insurance policies to individual consumers.
As of December 31, 2004, its subsidiaries comprised of 2 insurance companies, 4 underwriting agencies, and 5 retail agencies with 169 owned retail store locations and 42 franchised retail store locations serving 7 states.
Affirmative was formerly known as Instant Insurance Holdings, Inc.
The company was formed in 1998 and is headquartered in Addison, Texas.