Personal Auto

Personal Auto

Personal Auto insurance is the most regulated and competitive line of business in the market today, and is experiencing transformative changes in driver behavior and automotive technology. For carriers to remain competitive, they need to ensure the basic features of their program are, and remain, compliant with the various regulatory requirements at the state level. They also need flexibility to offer a wide range of program and coverage options to meet the ever-evolving needs of their customers.

AAIS delivers a comprehensive Auto solution that contains the most current language available to the market today, and dynamic program structure with a complete suite of mandatory and optional coverage endorsements.

AAIS remains vigilant, actively monitoring all state legislative and regulatory activity, and emerging market trends, to ensure continued compliance and relevant coverage solutions.

The AAIS Personal Auto Solution provides:

  • Choice of program content designed to serve the preferred, standard, and non-standard segments of the personal auto market.

  • A suite of more than 50 optional endorsements, including several unique to the AAIS program.

  • Tailored forms to meet the requirements of every jurisdiction.

  • A complimentary program that integrates with other AAIS personal lines programs.

  • Language that addresses new risk exposures, including those associated with the sharing economy.

  • Flexibility to customize or adjust the AAIS standard product to meet the unique needs of every carrier and their customers.

  • A wide range of industry partners that provide support for additional services, including telematics program support, policy administration forms, and more.

Hi-tech Delivery

  • Program specifications for adopting the personal auto forms and incorporating that into a carrier’s rating platform.

  • Statistical reporting.

  • Access to all forms, endorsements, and manual materials through

  • A wide range of industry partners supporting policy administration and claims systems, as well as company-specific rating solutions. 

Superior Service

  • AAIS subject matter expertise for:

    • forms and endorsements

    • manuals rules, factors, and rates

    • actuarial methodology and procedures

    • data

    • information technology

    • legal compliance

  • Member support to implement AAIS products

  • AAIS and Personal Lines Advisors collaborate to guarantee a smooth transition to AAIS products and a rapid response to any issue, problem, or potential obstacle.


For more information…

Contact an AAIS Personal Lines Advisor for more information on how to leverage AAIS’s custom solutions to address your particular needs.