Product Update

UM/UIM and State Law Updates in Commercial Auto Insurance


This release of Commercial Auto Insurance (CAI) includes a comprehensive update to the UM/UIM section plus state-specific updates for Puerto Rico and Utah. Also, the "Summary of UM/UIM Coverages" (downloadable format) has been updated.

A monopolistic state stop gap coverage endorsement has been implemented in North Dakota, Ohio, Washington, and Wyoming.

Missouri's financial responsibility law increased the minimum financial limits for property damage to $25,000 or 25/50/25 or combined single limit of $75,000 effective July 1, 2019.

Effective in December 2019, in response to the various state laws regarding cannabis usage, new cannabis endorsements for the commercial auto policy become effective. Insurance Services Office, Inc. (ISO), filings and state approvals are in process or have been received. A chart displaying the status of the cannabis filings by state will be provided in the next CAI release.

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