ACORD 90: Personal Auto Application

ACORD 90 is the Personal Auto Application family. The applicable state form organizes applicant, driver, vehicle, and requested coverage information.

What it is

ACORD 90 is the Personal Auto Application family. The applicable state form organizes applicant, driver, vehicle, and requested coverage information.

Start with the current auto policy, vehicle identifiers, and household answers. Confirm the jurisdiction and required selections before completing the application; the form number alone does not establish that every state's requirements are covered.

When it's used

The market requests the applicable personal auto application.
A vehicle or driver change needs updated source information.
A remarketing task needs a consistent driver and vehicle packet.

Section-by-section walkthrough

Agency and carrier information

Your agency's details, the target carrier, and the proposed effective and expiration dates.

Review check: Confirm the relevant market, state, and dates.

Applicant information

The named insured and co-applicant: legal names, mailing address, and contact details.

Review check: Resolve applicant names.

Residence information

Whether the applicant owns or rents, years at the current address, and the prior address if recent.

Review check: Use current residence information.

Household residents and drivers

Every licensed household resident and every regular operator: date of birth, license number and state, years licensed, and driver details.

Review check: Answer the complete household and operator questions.

Vehicle information

Each vehicle's year, make, model, and VIN, plus the garaging address, use (pleasure, commute, business), and mileage.

Review check: Verify VIN, garaging, mileage, and actual use.

Coverage selections

Liability limits, uninsured and underinsured motorist selections, medical payments or PIP where the state uses them, and comprehensive and collision deductibles per vehicle.

Review check: Review selections and deductibles for each vehicle.

Driving history

Accidents and violations for the lookback period the form requests, for every listed driver.

Review check: Use the lookback requested and reconcile available records.

Prior insurance

The current carrier, limits, and expiration date.

Review check: Preserve any coverage gaps accurately.

General information questions

The yes/no underwriting questions about vehicle use, drivers, and household details, with explanations in remarks.

Review check: Describe business or delivery use when asked.

Remarks and signatures

Explanations and context, then the applicant and producer signatures along with the state edition's required notices and fraud warnings.

Review check: Complete applicable notices and authorized signatures.

In Relay

Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 90; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →

Common errors

Incorrect VINs or garaging addresses.
Missing a person the market's household or driver questions ask about.
Copying coverage selections without reviewing the client's request.

Common questions

Is there one ACORD 90 for every state?

Confirm the state-specific form and current instructions. Coverage options, notices, and selections can differ.

What should we verify before sending the application?

Check the driver list, VINs, garaging and vehicle use, requested limits and deductibles, prior coverage, and required selections against the source records and client answers.

Form references

Confirm the form edition and requirements with the market receiving the submission.

Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.

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