Auto Submission Checklist:

  • Make sure that you have the full VIN for each vehicle. The rating programs will determine value, weight, and other classification factors directly from the VIN.
  • Determine the actual use of each vehicle (service, retail or commercial). If you don’t know, ask, don’t guess.
  • Determine the radius of operation for each vehicle {local (0-50 miles), Intermediate (51-200 miles), Long-Distance (over 200 miles)}.
  • Determine the overnight garaging address for each vehicle.
  • Make sure you have a complete list of all drivers, including dates of birth and drivers’ license numbers. Not having this information will delay the quote process.
  • Gather all lienholder information for each applicable unit.
  • Determine if special use circumstances requiring specific endorsements exist. For example:
  • CA 99 17 Individual Named Insured: This is designed for sole proprietors, partners and LLC members when the car they drive (covered auto under the Business Auto Policy) is their personal car (registered in their name). In other words, they do not also have a Personal Auto Policy on that vehicle. This endorsement provides the insured’s family the same protection as if the auto had been covered under a Personal Auto Policy. Specifically, family members of the individual named in the endorsement are also insureds under the Business Auto Policy when operating the subject vehicle. In addition, physical damage coverage for non-owned private passenger autos is provided (when the insured rents a car for non-business purposes). The individual sole proprietor, partner or member is scheduled on the endorsement.
  • CA 99 10 Drive Other Car Coverage: This is designed for officers, partners, or employees who are furnished a company car (registered in the company’s name) and it is the only vehicle available to that individual (the individual does not own a separate vehicle covered under a Personal Auto Policy). With this endorsement, liability and physical damage coverage are extended to hired and non-owned autos (rental car) for this individual. However, this coverage is only provided for the listed insured and his/her spouse, not for other family members.
  • CA 99 16 Hired Auto Specified as Covered Auto You Own: This extends liability and/or physical damage to autos owned by owners or employees and used in the business. Specific autos are scheduled. CA 99 33 should also be used.
  • CA 99 33 Employees as Insureds: Extends liability coverage to all employees whose autos are listed on the CA 99 16.
  • CA 20 01 Lessor-Additional Insured and Loss Payee: Effectively turns a leased auto into a covered auto rather than a hired auto. This makes the insured’s auto coverage primary. The lease agreement must require that the insured’s auto coverage be primary in order for this to be effective.
  • CA 99 47 Employee as Lessor: Adds the scheduled auto (which is owned by an employee and leased to the business) as a covered auto and the employee who leases it as an insured.