Coverage description
An Insurance Services Office (ISO) standard form. For the autos listed in its schedule, physical damage pays the least of actual cash value, the cost to repair or replace, or the stated amount, minus the deductible. The stated amount is a cap, not a guaranteed payment.
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 editionThe comprehensive deductible applies to theft and vandalism only, or to all perils, as scheduled. The old exception for fire and lightning is gone.
10 13
“Any Comprehensive Coverage Deductible shown in the Schedule does not apply to "loss" caused by fire or lightning.”
11 20
“applies only to "loss" caused by:”
Caps the deductible for one theft, vandalism or other event at five times the highest deductible.
10 13
Not in this edition
11 20
“will be equal to five times the highest deductible applicable to any one covered "auto"”
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 | 173 | 121 | 23 | Nov 2021 to Oct 2026 |
| 10 13Oct 2013 | 90 | 53 | 30 | Nov 2021 to Sep 2026 |
| 03 10Mar 2010 | 9 | 6 | 5 | Mar 2022 to Jan 2026 |
4 other edition dates appear in one or two filings each, often carrier-specific versions: 12 18, 10 01, 12 93, 11/01/2020.
Where filings record what this form replaced, they name earlier editions 10 13, FA. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 43 companies filed the 11 20 edition and 15 companies filed 10 13.
- CA 00 01 (Business Auto Coverage Form) is filed alongside it most often, in 262 of the same filings (95%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include CA 99 28, out of 76 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Nationwide Corporation Group11 group companies filed it, led by Allied Insurance Company of America and Nationwide Insurance Company of America | 24 | 8 | 11 2010 13 | Apr 7, 2026 |
| Tokio Marine Holdings Incorporated Group3 group companies filed it, led by U.S. Specialty Insurance Company and Safety National Casualty Corporation | 21 | 17 | 10 1311 20 | Aug 27, 2026 |
| Cincinnati Financial Group3 group companies filed it, led by The Cincinnati Casualty Company and The Cincinnati Indemnity Company | 17 | 16 | 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 |
| Liberty Mutual Group8 group companies filed it, led by State Automobile Mutual Insurance Company and General Insurance Company of America | 13 | 3 | 10 1311 20 | Jun 17, 2026 |
| Scor GroupGeneral Security National Insurance Company | 10 | 1 | 11 20 | Jun 9, 2026 |
| Clear Blue Financial Group2 group companies filed it, led by Clear Blue Insurance Company and Rock Ridge Insurance Company | 9 | 2 | 11 20 | Oct 29, 2025 |
| OLD Republic Group4 group companies filed it, led by BITCO General Insurance Corporation and BITCO National Insurance Company | 9 | 1 | 11 20 | May 11, 2026 |
| Markel Corporation Group3 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 8 | 4 | 11 2010 13 | Jun 24, 2024 |
| Berkshire Hathaway Group10 group companies filed it, led by AmGUARD Insurance Company and GEICO Casualty Company | 6 | 4 | 10 1311 20 | Jun 24, 2026 |
How the largest insurers handle CA 99 28
Groups among the largest commercial auto insurers that filed CA 99 28 or their own version in the past five years.
- Travelers GroupUses CA 99 28 in 62 filings
- Berkshire Hathaway GroupUses CA 99 28 in 3 filings
- Liberty Mutual GroupUses CA 99 28 in 1 filing
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States
Number of filings that include CA 99 28 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CA 00 01Business Auto Coverage Form262 filings
- CA 20 01Lessor - Additional Insured and Loss Payee253 filings
- CA 20 15Mobile Equipment247 filings
- CA 20 54Employee Hired Autos239 filings
- CA 20 71Auto Loan/Lease Gap Coverage224 filings
- CA 99 14Fire, Fire and Theft, Fire, Theft and Windstorm and Limited Specified Causes of Loss Coverages205 filings
- CA 20 16Mobile Homes Contents Coverage203 filings
- CA 23 45Public or Livery Passenger Conveyance and on- Demand Delivery Services Exclusion203 filings
- CA 99 44Loss Payable Clause202 filings
- CA 99 23Rental Reimbursement Coverage201 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 16, 2026 | MIC General Insurance Corporation | NJ | 11 20 | GMMX-135128490 |
| Oct 14, 2026 | Century-National Insurance Company | GA | 11 20 | GMMX-135119885 |
| Sep 10, 2026 | SECURA Insurance, A Mutual Companyand 1 more | IL | 11 20 | SEIC-135044227 |
| Sep 4, 2026 | Incline Casualty Company | SC | 10 13 | AIAD-135047572 |
| Sep 1, 2026 | MIC General Insurance Corporation | NV | 11 20 | GMMX-135075522 |
| Aug 28, 2026 | Jet Insurance Company | SC | 10 13 | MRTN-134878222 |
| Aug 27, 2026 | Philadelphia Indemnity Insurance Company | NM | 11 20 | PHLX-135063316 |
| Jul 8, 2026 | Colorado Farm Bureau Insurance Company | CO | 10 13 | SFBC-135011078 |
| Jun 30, 2026 | Accredited Surety and Casualty Company, Inc. | CO | 11 20 | ACSA-135005169 |
| Jun 26, 2026 | Grange Insurance Association | CO | 10 13 | GRIA-135000193 |
| Jun 25, 2026 | Selective Insurance Company of Americaand 3 more | CO | 11 20 | SELC-134998854 |
| Jun 24, 2026 | Great American Alliance Insurance Companyand 3 more | CO | 11 20 | GACX-134993563 |
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 20 71 Auto Loan/Lease Gap Coverage
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