What is the first step in the service of process for placing insurance?

The first step in the service of process for placing insurance involves attempting to place the insurance with an authorized insurer. This step is crucial because authorized insurers have received licenses from the state regulatory authority, allowing them to operate legally and provide coverage within that state. When insurance is sought, it is essential to start with these insurers to ensure that the policies offered comply with state laws and regulations, thus protecting both the insured and the insurer.

Placing coverage with authorized insurers also helps in maintaining standard practices in terms of financial responsibility, oversight, and adherence to consumer protection laws. If the coverage cannot be obtained through authorized insurers due to certain specific needs or unavailability of coverage, only then should one consider unauthorized insurers, which involves a more complex process and additional regulations.

This foundational step underscores the importance of compliance with state requirements in the insurance industry, making it clear that the primary focus should always be on securing coverage from those who are sanctioned to provide it.