Product Update

UM/UIM, No-Fault, and Auto ID Card Updates in Commercial Auto Insurance


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

  • For the month of August 2020, in the auto insurance proof of coverage form section,  regulatory agency contact information has been updated for North Carolina.
  • Updates to Washington's UM/UIM endorsements are now reflected in the UM/UIM state pages.
  • Michigan's UM/UIM change is the result of legislative reform, which was passed with the 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 became completely effective July 2, 2020.