Overview
ISO's personal auto program is built on one policy, PP 00 01, which covers liability, medical payments, uninsured motorists and damage to your auto for the named insured, resident family members and others using a covered auto. For financed and leased cars, PP 03 35 pays the gap between a total loss payment and the loan or lease balance, and the lender or lessor is protected through a loss payable clause (PP 03 05) or as an additional insured (PP 03 19). PP 03 23 adapts the policy for motor homes, motorcycles, all-terrain vehicles and golf carts, and PP 13 03 covers autos titled to a trust. Other endorsements raise limits for custom equipment (PP 03 18) and electronics (PP 03 13), add towing and labor (PP 03 03) or trip interruption (PP 13 02), switch to a single liability limit (PP 03 09), and exclude driving for ride-sharing and delivery apps (PP 43 33). Uninsured motorists coverage is mostly written on state forms that follow each state's law.
Coverage forms
1 form| Form | Title | Latest edition | Carrier groups | States | Last filed |
|---|---|---|---|---|---|
| PP 00 01 | Personal Auto Policy | 09 18 | 31 | 35 | Oct 22, 2026 |
Endorsements
48 forms| Form | Title | Latest edition | Carrier groups | States | Last filed |
|---|---|---|---|---|---|
| PP 03 05 | Loss Payable Clause | 09 18 | 26 | 26 | Oct 22, 2026 |
| PP 03 35 | Auto Loan/Lease Coverage | 09 18 | 26 | 38 | Oct 22, 2026 |
| PP 03 19 | Additional Insured - Lessor | 09 18 | 25 | 27 | Oct 22, 2026 |
| PP 03 01 | Federal Employees using Auto in Government | 09 18 | 23 | 26 | Oct 21, 2026 |
| PP 03 18 | Excess Custom Equipment Coverage | 09 18 | 23 | 23 | Oct 22, 2026 |
| PP 03 09 | Single Liability Limit | 09 18 | 22 | 40 | Oct 22, 2026 |
| PP 03 13 | Excess Electronic Equipment Coverage | 09 18 | 22 | 22 | Oct 22, 2026 |
| PP 03 08 | Coverage for Damage to Your Auto | 09 18 | 21 | 28 | Oct 21, 2026 |
| PP 03 03 | Towing and Labor Costs Coverage | 09 18 | 20 | 26 | Oct 22, 2026 |
| PP 03 06 | Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use | 09 18 | 20 | 26 | Oct 21, 2026 |
| PP 03 07 | Trailer/Camper Body Coverage (Maximum Limit of Liability) | 09 18 | 19 | 21 | Oct 22, 2026 |
| PP 03 02 | Optional Limits Transportation Expenses Coverage | 09 18 | 18 | 26 | Oct 22, 2026 |
| PP 13 03 | Trust Endorsement | 09 18 | 18 | 27 | Oct 22, 2026 |
| PP 03 28 | Miscellaneous Type Vehicle Amendment (Motor Homes) | 09 18 | 17 | 21 | Oct 21, 2026 |
| PP 33 05 | Full Safety Glass Coverage | 09 18 | 17 | 31 | Oct 22, 2026 |
| PP 03 23 | Miscellaneous Type Vehicle Endorsement | 09 18 | 16 | 19 | Jul 1, 2026 |
| PP 04 01 | Single Uninsured Motorists Limit | 09 18 | 16 | 15 | Oct 21, 2026 |
| PP 13 02 | Trip Interruption Coverage | 09 18 | 14 | 22 | Oct 22, 2026 |
| PP 03 22 | Named Non-Owner Coverage | 09 18 | 11 | 26 | Jun 29, 2026 |
+ 29 moreSee more forms
Exclusions
6 forms| Form | Title | Latest edition | Carrier groups | States | Last filed |
|---|---|---|---|---|---|
| PP 13 01 | Coverage For Damage to Your Auto Exclusion | 09 18 | 23 | 39 | Oct 22, 2026 |
| PP 43 33 | Public Or Livery Conveyance Exclusion (Including Delivery Network Platform) Endorsement | 01 23 | 16 | 40 | Oct 22, 2026 |
+ 4 moreSee more forms
State amendatory endorsements
142 forms| Form | Title | Latest edition | Carrier groups | States | Last filed |
|---|---|---|---|---|---|
| PP 04 25 | Uninsured Motorists Coverage - Colorado | 01 23 | 15 | 1 | Jul 1, 2026 |
| PP 04 37 | Property Damage Uninsured Motorists Coverage - Colorado | 06 26 | 14 | 1 | Jun 29, 2026 |
| PP 13 92 | Named Driver Exclusion Endorsement - Colorado | 09 18 | 11 | 1 | Jul 1, 2026 |
+ 139 moreSee more forms