Document:

<PAGE>

                                                                   EXHIBIT 10.30

                                 FNOL AGREEMENT

This Agreement is made to be effective as of June 1, 2004, by and between
Safelite Solutions, LLC, having a principal place of business at 2400 Farmers
Drive, Columbus, Ohio 43235 (hereinafter "Safelite"), and Safe Auto Insurance
Company, having a principal place of business at 3883 East Broad Street,
Columbus, Ohio 43213 (hereinafter "Safe Auto").

                                   WITNESSETH:

      WHEREAS, Safelite proposes and wishes to make its call center available to
policyholders of Safe Auto; and,

      WHEREAS, Safe Auto wishes to enhance its ability to service its customers'
claims reporting needs; and,

      WHEREAS, Safe Auto wishes to utilize Safelite's call center to better
serve its policyholders and customers throughout the United States;

      NOW, THEREFORE, in consideration of the mutual covenants herein contained,
the parties agree as follows:

                                    ARTICLE I
                                   DEFINITIONS

1.1 After Hours. Non-business hours as detailed in ATTACHMENT 1.1 attached
hereto.

1.2 First Notice of Loss ("FNOL"). The process by which a Safelite
representative or employee receives and processes direct loss notification for
Safe Auto's policyholders and/or claimants by telephone or other means in
accordance with the technical specifications mutually agreed to by the parties
in connection with the program contemplated by this Agreement.

1.3 Emergency calls. Any calls taken by Safelite at the request of Safe Auto
other than during After Hours with less than seven (7) days advanced notice or
during Holidays with less than two (2) weeks advanced written notice.

                                       1
<PAGE>

                                   ARTICLE II
                            OBLIGATIONS OF SAFELITE

2.1 Processing of FNOL. Upon receipt of After Hours calls from Safe Auto's
insureds, Safelite customer service representatives (CSRs) will determine
whether the insureds' calls involve FNOL for glass only, FNOL other than glass
under Safe Auto's insurance policy, or other matters.

      a.    If an insured's call involves FNOL for glass only, the insured's
            call will be handled using the previously-agreed procedure for glass
            claims.

      b.    If an insured's call is to report FNOL other than glass under Safe
            Auto's insurance policy, the CSR will record all pertinent
            policyholder and loss information in a format approved by Safe Auto,
            following a mutually agreed upon script.

      c.    If an insured's call pertains to a matter other than FNOL for glass
            only or the reporting of FNOL other than glass, the CSR will
            instruct the caller to call back during Safe Auto's normal business
            hours.

2.2 Transmission of FNOL Records. Safelite will transmit to Safe Auto by
facsimile transmission (or other mutually agreed means) all non-glass FNOL
information in a format and at times as mutually agreed from time to time by the
parties.

2.3 Billing for Services. Safelite will remit to Safe Auto monthly billing
statements setting forth the number of non-glass FNOL calls received.

2.4 Standards of Performance. Safelite agrees that the services provided by
Safelite under the terms of this Agreement shall be measured on a monthly basis
and shall meet or exceed the performance criteria detailed on ATTACHMENT 2.4
hereto. Notwithstanding, Emergency calls shall be excluded from the performance
criteria measurements.

                                   ARTICLE III
                            OBLIGATIONS OF SAFE AUTO

3.1 Forwarding of Calls. Safe Auto agrees to forward to Safelite all calls from
its insureds during After Hours.

3.2 Service Fees. Safe Auto agrees to pay Safelite the service fees set forth in
ATTACHMENT 3.2.

3.3 Payment for Goods and Services. Safe Auto agrees to pay Safelite the charges
set out in this Agreement within ten (10) business days following receipt of
invoices for such goods and/or services from Safelite.

3.4 Third Party Claims. Safe Auto agrees to defend, indemnify, and hold Safelite
harmless from and against any and all liabilities, demands, claims, suits,
losses,

                                       2
<PAGE>

damages, fines, and judgments, including reasonable costs, attorneys fees,
witness fees, and expenses incidental thereto, arising out of or in connection
with the handling of claims in accordance with the instructions of Safe Auto.
Safelite agrees to defend, indemnify, and hold Safe Auto harmless from and
against any and all liabilities, demands, claims, suits, losses, damages, fines,
and judgments, including reasonable costs, attorneys fees, witness fees, and
expenses incidental thereto, arising out of or in connection with the handling
of claims which were not in accordance with the instructions of Safe Auto.

                                   ARTICLE IV
                                JOINT ACTIVITIES

4.1 Administration of Calls. The parties recognize and agree that Safelite will
provide FNOL services to Safe Auto on a leased line or by means of any
alternatives mutually agreed to by the parties. The parties further agree to
jointly work together to maintain a telephone script that delivers high customer
satisfaction and ensures collection of all required data.

4.2 Billing Errors. In the event of any incorrect or erroneous billing or
accounting under this Agreement, the parties agree to take all steps necessary
to correct such errors as soon as reasonably possible.

                                   ARTICLE V
                              TERM AND TERMINATION

5.1 Term. This Agreement shall continue in effect through May 31, 2005.
Thereafter, the term of this Agreement shall automatically renew for successive
one (1) year periods unless either of the parties provides the other with
written notice of non-renewal at least ninety (90) days prior to the expiration
of the then-current term.

5.2 Termination With Cause. This Agreement may be terminated upon written notice
of a material breach of the terms or conditions of this Agreement and the
failure of the breaching party to correct such breach within sixty (60) days of
such notice, as determined by the party alleging the breach.

                                   ARTICLE VI
                                 CONFIDENTIALITY

6.1 Confidentiality. Notwithstanding any other provision of this Agreement, the
parties agree that each other's systems, database, claims data, agent
identification, and any other internal processes or information and documents
are proprietary in nature and each party further agrees that it will not use the
other's information in a manner inconsistent with this Agreement or disclose
such information to any third party, or to

                                       3
<PAGE>

any party who does not have a demonstrated need to know for purposes of this
Agreement. Any and all confidentiality obligations under this Agreement shall
survive the expiration or termination of this Agreement. Notwithstanding the
foregoing, in the event a party receives a subpoena, or is subject to court
order, demanding any confidential information of the other party in possession
of such party be disclosed, then the party receiving the subpoena, or subject to
such court order, shall promptly notify the other party of the same, providing
them an opportunity to address the matter prior to the disclosure of any such
information subject to such court order or subpoena.

6.2 Limitations to Confidentiality. Nothing in this Article VI shall prohibit or
limit a party's use of information that the disclosing party can prove was (i)
within the public domain through no fault of or action by the disclosing party;
(ii) previously known to the disclosing party; (iii) independently developed by
the disclosing party; or (iv) rightfully received by the disclosing party from a
third party that had no duty of confidentiality. In accordance with the terms of
this Agreement, each party agrees to exercise the same degree of care used to
protect information of a similar nature that it does not permit to be disclosed
outside of its own company.

                                   ARTICLE VII
                                  MISCELLANEOUS

7.1 Independent Contractors. Safelite and Safe Auto are separate and independent
entities, and each is an independent contractor. Neither party is the partner,
agent, employee, or representative of the other.

7.2 Notices. Any notice required under the terms of this Agreement shall be in
writing and shall be sent by registered mail, return receipt requested,
addressed to the party at the address set forth below:

      Safe Auto:                                Safelite:

      Pati Shambaugh                            Thomas M. Feeney
                                                Executive Vice President
      Title: VP, Claims                         2400 Farmers Drive
                                                Columbus, OH 43235
      Address: 4328 E. 5th Avenue
      Columbus, OH 43213

      Copy to:                                  Copy to:

      Name:________________________             Cynthia L. Elliott
      Title:_______________________             Senior Corporate Attorney

                                        4

<PAGE>

7.3 Governing Law. This Agreement shall in all respects be governed and
construed in accordance with the laws of the state of Ohio.

7.4 Assignment. This Agreement shall not be assigned or transferred by either
party without the prior written consent of the other party, provided however,
that Safelite may assign this Agreement to a subsidiary or an affiliate without
the consent of Safe Auto.

7.5 Survival of Rights of Parties. The expiration or termination of this
Agreement shall not release either party from any liability or obligation
incurred under this Agreement prior to such termination or expiration.

7.6 Waiver/Severability. The failure to enforce any of the provisions of this
Agreement shall not be construed as a waiver of that right or any other
provision or right. In the event that any of the provisions of this Agreement
shall be invalid, this Agreement shall be construed as if such invalid provision
was not herein contained.

7.7 Amendments. This Agreement may not be modified or changed in any manner
except by written amendment duly executed by both parties hereto.

7.8 Force Majeure. If either party is rendered unable, wholly or in part, by an
act of God, civil disobedience, strike, or other force majeure to carry out its
obligations under this Agreement, that party shall give to the other party
prompt written notice and its obligations shall be suspended to the extent they
are affected by the force majeure and the affected party shall use reasonable
diligence to meet its obligations hereunder as quickly as possible.

7.9 Third-Party Beneficiaries. The obligations of each party to this Agreement
shall inure solely to the benefit of the other party and no person or entity
shall be a third-party beneficiary of this Agreement.

7.10 Invalidity of Terms. The invalidity or unenforceability of any term or
provision of this Agreement shall not impair or affect the other provisions
hereof, which shall remain in full force and effect.

7.11 No Responsibility. Neither party shall be responsible for any act,
omission, default, negligence, misfeasance, malfeasance, or nonfeasance of the
other party or any third parties.

7.12 Remedies. Nothing in this Agreement is intended to be construed or be
deemed to create any right or remedies in any third party.

7.13 Administrative Functions. It is understood between the parties that
Safelite shall not engage in any conduct of adjusting, investigation,
evaluating, or settling a claim, or

                                        5

<PAGE>

negotiating with any insured. Safelite's activities pursuant to this Agreement
shall be restricted to an administrative function of assisting Safe Auto in
preparing the appropriate forms or reviewing related data or other information
in an effort to accommodate the insured. Any insured who disagrees with
Safelite's position on any claim, or who in any other way indicates disagreement
or dissatisfaction, shall immediately be referred to an adjuster of one of Safe
Auto.

7.14 Ministerial Functions. The parties agree and understand that Safelite
performs purely ministerial functions under this Agreement and under no
circumstances shall Safelite be considered a fiduciary of Safe Auto.

7.15 Advertising. Each party to this Agreement shall have the right to use the
other's name in advertising or presentation of client lists or other promotional
materials. The parties shall submit to the other any general media advertising
using the other's name for prior written approval, such approval not to be
unreasonably delayed or denied.

7.16 Prior Agreements. This Agreement rescinds and supersedes any and all
pre-existing agreements between the parties relative to the subject matter
herein. This Agreement does not supersede the glass services agreement entered
into by the parties on or about January 31, 2004, and this provision should not
be construed as doing so.

7.17 Headings. The Headings of the various sections of this Agreement are not a
part of the context hereof, and are inserted merely for convenience in locating
the different provisions of this Agreement.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
by its respective officers duly authorized to do so.

Safelite:                                  Safe Auto:

Safelite Solutions, LLC,                   Safe Auto Insurance Company,
a Delaware corporation                     an Ohio corporation

By: /s/ Thomas M. Feeney                   By: /s/ Patricia A. Shambaugh
    ----------------------------               ----------------------------
Title: Executive Vice President            Title: VP Claims
Date:  June 2nd, 2004                      Date:  June 3, 2004

                                       6

<PAGE>

                                   ATTACHMENTS

1.1   After Hours Detail

2.1b  Escalation Criteria

2.4   Performance Criteria

3.1   Service Fees

                                       7<PAGE>

                                                                   EXHIBIT 10.31

[TRANS PAC SOLUTIONS LOGO]

Dedicated Recovery Services for the P&C Industry

                      SUBROGATION SERVICES LETTER AGREEMENT

This letter agreement (the "Agreement") sets forth the scope of services to be
provided by TransPaC Solutions ("TPS") (a division of Trover Solutions, Inc.) to
Safe Auto Insurance Company ("Safe Auto"), relating to the assumption by TPS of
subrogation files referred from Safe Auto, the terms and conditions of those
services, the fees to be charged by TPS, and the term of this agreement.

SCOPE OF SERVICES

The scope of work by TPS is to assume all responsibility for recovery work on a
defined population of files referred to TPS by Safe Auto subject to the terms
and conditions of this agreement. The agreement may be terminated by either
party with 180 days written notice.

SAFE AUTO RESPONSIBILITIES

Safe Auto will only refer paper claim files that have some degree of subrogation
potential on closed claims. All records of claims paid, investigation details,
and adjuster notes will be part of each paper file. Safe Auto will provide TPS
with documentation describing in-house claims coding, terms, forms, methods,
procedures, processes and practices, if applicable. Safe Auto acknowledges it is
responsible for the accuracy of all data and records submitted to TPS pursuant
to this Agreement. Safe Auto is responsible for all communications with its
insureds to ensure compliance with respect to notice of deductible collections,
priority of distribution between Safe Auto and its insureds, refunding any
deductibles due to its insureds, and whether fees may be charged against its
insureds' refund.

TPS RESPONSIBILITIES

TPS will provide subrogation recovery services for Safe Auto on all claims
referred to TPS by Safe Auto, except pursuit of claims less than $500.00 shall
be at TPS discretion.

Recoveries will be pursued from all available sources, consistent with
applicable law. Services will include, but not be limited to, recovery of
subrogation claims, filings with Arbitration Forums, Inc, and legal
representation in the pursuit of subrogation recovery. TPS will obtain the
written approval of Safe Auto prior to taking legal action on its behalf to
secure a recovery pursuant to the terms of this agreement. TPS will not settle
any claim over $20,000 for less than 70% without prior written client authority.

TPS will periodically report the results of the project to Safe Auto in a manner
mutually agreed upon.

5/10/02

                                                     Watterson Tower
                                                     1930 Bishop Lane
                                                     Louisville, Kentucky 40218
                                                     (502) 454-1344
                                                     (502) 515-6182 fax
                                                     www.transpacsolutions.com

                                      1
<PAGE>

[TRANS PAC SOLUTIONS LOGO]

Dedicated Recovery Services for the P&C Industry

FEES

TPS will retain 25% of the amount of each claim TPS recovers on Safe Auto's
behalf, whether the recovery is made by TPS, Safe Auto or any other party. To
the extent applicable by law, TPS will withhold and pay any applicable sales or
use taxes. Any such payment of taxes will be made from the gross amount of
recoveries and for the purpose of computing TPS' fee, the amount of recovery
shall not be reduced by such payment. Safe Auto shall be responsible for any
further required distributions of recovery proceeds including, if required, the
return of deductibles to Safe Auto Insured.

TPS is responsible for the payment of all ordinary legal fees.

EXPENSES

TPS will be responsible for all ordinary and necessary expenses, including
file-handling costs, outside copy services, or common outside investigation.
However, in the event investigations and/or expert witness evaluations are
necessary to supplement the claim file presented, TPS shall be authorized to
incur costs of up to one thousand dollars ($1,000) per claim file, which shall
be reimbursed to TPS by Safe Auto. TPS will receive written authorization from
Safe Auto to incur costs on any claim file in excess of $1,000.00. Such expenses
are to be reimbursed to TPS by Safe Auto.

EXCLUSIVITY & WORK IN PROCESS

TPS shall be the sole provider of subrogation recovery services on files
referred to TPS by Safe Auto. Upon any termination of this Agreement, TPS will
have the right to pursue recovery and recover its fees under this Agreement on
all claims previously referred to TPS.

CONFIDENTIALITY

Both parties agree to acknowledge and respect the confidentiality and
proprietary nature of each other's data and information and abide by relevant
state and federal privacy laws and/or regulations.

INDEMNIFICATION

Each party agrees to indemnify the other for any loss due solely to its own
negligent acts or omissions. Safe Auto agrees to indemnify TPS for any damages
TPS sustains resulting from its reasonable reliance on inaccurate data,
information or communications received from Safe Auto. This provision will
survive any termination of this Agreement.

5/10/02

                                                     Watterson Tower
                                                     1930 Bishop Lane
                                                     Louisville, Kentucky 40218
                                                     (502) 454-1344
                                                     (502) 515-6182 fax
                                                     www.transpacsolutions.com

                                       2
<PAGE>

[TRANS PAC SOLUTIONS LOGO]

Dedicated Recovery Services for the P&C Industry

SAFE AUTO REPRESENTATIONS

Safe Auto hereby represents and warrants to TPS that it [i] has the authority to
enter into this Agreement; [ii] is authorized to contract for subrogation and
recovery services; and [iii] will notify TPS in writing of any changes or
modifications in Safe Auto's rights to perform the services described herein.

To indicate Safe Auto's agreement to enter into this Agreement, please sign
below and return this original letter to me.

Sincerely,

/s/ Tim Cahill
--------------------------------------
Tim Cahill, Senior Vice President, Sales & Marketing

Accepted by:

Safe Auto Insurance Company

By  /s/ Patricia A. Shambaugh                          5-21-02
    ----------------------------------                 -------
                                                         Date

PLEASE RETURN TO:

TRANSPAC SOLUTIONS
ATTENTION: MARIA MOZZALI
1930 BISHOP LANE SUITE 1500
LOUISVILLE, KY 40218-5909

5/10/02

                                                     Watterson Tower
                                                     1930 Bishop Lane
                                                     Louisville, Kentucky 40218
                                                     (502) 454-1344
                                                     (502) 515-6182 fax
                                                     www.transpacsolutions.com

                                       3

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00076-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00076-of-00352.parquet"}]]