CA 21 53 Illinois Uninsured Motorists Coverage Property Damage - Private Passenger Types or Recreational Vehicles

An Insurance Services Office (ISO) standard form. It provides Illinois uninsured motorists property damage coverage for covered private passenger autos and recreational vehicles, paying for damage from contact with an identified uninsured vehicle up to the lesser of the limit or actual cash value, above the deductible.

1. 09 26 edition

   Sep 2026, compared with 01 23Latest edition

   • The war exclusion now applies regardless of the means used, including cyber means.

     01 23

     Not in this edition

     09 26

     “including, but not limited to, cyber means”

2. 01 23 edition

   Jan 2023, compared with 08 22

   • The fixed $250 deductible is replaced by the deductible shown in the Schedule or Declarations.

     08 22

     “The first $250 of the amount of "property damage"”

     01 23

     “in excess of the applicable deductible shown in the Schedule or Declarations”

   • The most paid per accident is now the lesser of the scheduled limit or actual cash value, instead of a fixed $15,000.

     08 22

     “the lesser of $15,000 or the actual cash value”

     01 23

     “the lesser of the limit of Uninsured Motorists Coverage shown in the Schedule or Declarations”

   • The exclusion for a vehicle you own that has collision coverage under any policy is removed.

     08 22

     “Any motor vehicle owned by you for which you have purchased collision coverage”

     01 23

     Removed

   • A new provision bars duplicate payment for the same loss under this coverage and liability or physical damage coverage, or for loss already paid by the responsible party.

     08 22

     Not in this edition

     01 23

     “No one will be entitled to recover duplicate payment for the same elements of”

1 other edition date appears in one or two filings each, often carrier-specific versions: 03 06.

Where filings record what this form replaced, they name earlier editions 10 13, 03 06, 08 22. Only some filings record replacements.

• Edition in use: in the past 12 months, 6 companies filed the 09 26 edition and 1 company filed 01 23.
• The newer 09 26 edition first appears Dec 1, 2025 and has been filed by 6 companies in 1 state so far.
• CA 21 38 (Illinois Underinsured Motorists Coverage) is filed alongside it most often, in 17 of the same filings (34%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Progressive GroupUses CA 21 53 in 1 filing
• Travelers GroupUses CA 21 53 in 2 filings
• Liberty Mutual GroupUses CA 21 53 in 2 filings

• CA 21 38Illinois Underinsured Motorists Coverage17 filings
• CA 21 30Illinois Uninsured Motorists Coverage15 filings
• CA 99 03Auto Medical Payments Coverage12 filings
• CA 02 70Illinois Changes - Cancellation and Nonrenewal10 filings
• CA 23 17Truckers - Uniform Intermodal Interchange Endorsement10 filings
• CA 00 01Business Auto Coverage Form9 filings
• CA 01 20Illinois Changes9 filings
• CA 03 02Deductible Liability Coverage9 filings
• CA 20 48Designated Insured for Covered Autos Liability Coverage9 filings
• CA 99 16Hired Autos Specified as Covered Autos You Own9 filings