Coverage description
An Insurance Services Office (ISO) standard form. It pays the unpaid loan or lease balance on a scheduled covered auto after a total loss, less the physical damage payment and items such as overdue payments, lease penalties, unreturned security deposits, add-on products and carry-over balances. It is excess over other collectible insurance, including coverage from the lessor or lender.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
11 20 edition
Nov 2020, compared with 10 13Latest editionDeferred loan or lease payments are now deducted from the gap payment, along with overdue payments.
10 13
“Overdue lease/loan payments at the time of”
11 20
“Overdue or any deferred lease/loan payments”
The gap coverage is now excess over any other collectible insurance, including coverage provided by or bought from the lessor or a financial institution.
10 13
Not in this edition
11 20
“is excess over any other collectible insurance including but not limited to any coverage provided by or purchased from the lessor”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 11 20Nov 2020Latest | 308 | 132 | 46 | Nov 2021 to Sep 2026 |
| 10 13Oct 2013 | 69 | 34 | 21 | Nov 2021 to Jun 2026 |
| 10 01Oct 2001 | 8 | 6 | 5 | Jun 2022 to Jan 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 11/01/2020.
Where filings record what this form replaced, they name earlier edition 10 13 and other forms CA 20 55. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 52 companies filed the 11 20 edition and 4 companies filed 10 13.
- CA 20 01 (Lessor – Additional Insured and Loss Payee) is filed alongside it most often, in 306 of the same filings (79%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include CA 20 71, out of 68 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| American Financial Group7 group companies filed it, led by Vanliner Insurance Company and National Interstate Insurance Company | 57 | 39 | 11 20 | Aug 19, 2026 |
| Clear Blue Financial Group2 group companies filed it, led by Clear Blue Insurance Company and Rock Ridge Insurance Company | 42 | 35 | 11 20 | Jun 17, 2026 |
| OBS Holdings Group2 group companies filed it, led by Obsidian Insurance Company and Obsidian Pacific Insurance Company | 36 | 36 | 11 20 | Feb 3, 2023 |
| Nationwide Corporation Group13 group companies filed it, led by Allied Insurance Company of America and Nationwide Mutual Insurance Company | 31 | 8 | 11 2010 13 | Apr 7, 2026 |
| Liberty Mutual Group8 group companies filed it, led by State Automobile Mutual Insurance Company and Employers Insurance Company of Wausau | 17 | 4 | 10 1311 20 | Jul 1, 2026 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 16 | 15 | 10 13 | Jul 12, 2024 |
| Arch Insurance Group3 group companies filed it, led by Arch Insurance Company and Arch Indemnity Insurance Company | 13 | 2 | 11 20 | Apr 8, 2026 |
| OLD Republic Group4 group companies filed it, led by BITCO General Insurance Corporation and BITCO National Insurance Company | 13 | 1 | 11 20 | May 11, 2026 |
| Scor GroupGeneral Security National Insurance Company | 10 | 1 | 11 20 | Jun 9, 2026 |
| Tokio Marine Holdings Incorporated Group2 group companies filed it, led by Safety National Casualty Corporation and Philadelphia Indemnity Insurance Company | 9 | 5 | 11 2010 13 | Aug 27, 2026 |
How the largest insurers handle CA 20 71
Groups among the largest commercial auto insurers that filed CA 20 71 or their own version in the past five years.
- Travelers GroupUses CA 20 71 in 62 filings
- Berkshire Hathaway GroupUses CA 20 71 in 1 filing
- Liberty Mutual GroupUses CA 20 71 in 4 filings
See more forms
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States
Number of filings that include CA 20 71 in each state, Oct 2021 to Sep 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CA 20 01Lessor – Additional Insured and Loss Payee306 filings
- CA 20 54Employee Hired Autos304 filings
- CA 23 17Truckers – Uniform Intermodal Interchange Endorsement Form Uiie – 1264 filings
- CA 99 33Employees as Insureds258 filings
- CA 99 16Hired Autos Specified as Covered Autos You Own252 filings
- CA 99 30Tapes, Records and Discs Coverage250 filings
- CA 20 48Designated Insured for Covered Autos Liability Coverage249 filings
- CA 04 49Primary and Noncontributory – Other Insurance Condition248 filings
- CA 00 01Business Auto Coverage Form245 filings
- CA 20 55Fellow Employee Coverage244 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Sep 10, 2026 | SECURA Insurance, A Mutual Companyand 1 more | IL | 11 20 | SEIC-135044227 |
| Aug 28, 2026 | Jet Insurance Company | SC | 11 20 | MRTN-134878222 |
| Aug 27, 2026 | Philadelphia Indemnity Insurance Company | NM | 11 20 | PHLX-135063316 |
| Aug 19, 2026 | National Interstate Insurance Companyand 1 more | CT | 11 20 | NTNL-135059615 |
| Aug 19, 2026 | National Interstate Insurance Companyand 1 more | GA | 11 20 | NTNL-135059619 |
| Aug 19, 2026 | National Interstate Insurance Companyand 1 more | IN | 11 20 | NTNL-135059680 |
| Aug 19, 2026 | National Interstate Insurance Companyand 1 more | KS | 11 20 | NTNL-135059692 |
| Aug 19, 2026 | National Interstate Insurance Companyand 1 more | UT | 11 20 | NTNL-135059698 |
| Aug 19, 2026 | National Interstate Insurance Companyand 1 more | VT | 11 20 | NTNL-135059721 |
| Aug 5, 2026 | National Interstate Insurance Companyand 1 more | AR | 11 20 | NTNL-135044463 |
| Aug 5, 2026 | National Interstate Insurance Companyand 1 more | DE | 11 20 | NTNL-135044489 |
| Aug 5, 2026 | National Interstate Insurance Companyand 2 more | HI | 11 20 | NTNL-135044491 |
Most filed ISO CA forms
- CA DS 03 Business Auto Declarations
- CA DS 21 Motor Carrier Declarations
- CA 00 01 Business Auto Coverage Form
- CA 28 03 Abuse Or Molestation Exclusion For Covered Autos Liability Exposure
- CA 23 17 Truckers - Uniform Intermodal Interchange Endorsement Form UIIE - 1
- CA 04 43 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) - Automatic When Required By Written Contract Or Agreement
- CA 04 44 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)
- CA 04 49 Primary and Noncontributory - Other Insurance Condition
- CA 20 01 Lessor - Additional Insured And Loss Payee
- CA 20 48 Designated Insured For Covered Autos Liability Coverage
- CA 00 20 Motor Carrier Coverage Form
- CA 99 10 Drive Other Car Coverage - Broadened Coverage For Named Individuals
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