Product Update

No-Fault and UM/UIM Coverage Updates in Commercial Auto Insurance


This release of Commercial Auto Insurance includes updates to the Uninsured Motorist/Underinsured Motorist (UM/UIM) and No-Fault/Personal Injury Protection sections.

Updates to Maryland, Massachusetts, and Minnesota Uninsured Motorist/Underinsured Motorist (UM/UIM) endorsements are now reflected on the UM/UIM state pages. The pending UM/UIM change in Pennsylvania statute reflects the finding by the Pennsylvania Supreme Court in Barnard v. Travelers Home and Marine Ins. Co. Utah's UM/UIM endorsement is pending approval of the department of insurance reflecting the legislation passed amending Utah Code Ann. § 31A–22–305 and 305.3.

Two states had changes in their no-fault endorsements: Michigan and Minnesota.

Michigan's change was legislative reform with intent to control the skyrocketing costs of insurance created by the state's no-fault program. The reforms include optional lower limits for no-fault in addition to the "unlimited" coverage that is currently available. In addition, there is an "opt out" provision for those with Medicare or qualified health coverages. The legislation becomes completely effective July 2, 2020.

Minnesota's revision was the result of the finding in the Poehler v. Cincinnati Ins. Co. court case.