ACORD Forms
ACORD 90: Personal Auto Application
The ACORD 90 is the personal auto application. It captures the applicant, every household resident and regular driver, every vehicle with its VIN and garaging address, the coverage selections, and the driving history a carrier needs to rate the policy.
What it is
The ACORD 90 is the personal auto application. It captures the applicant, every household resident and regular driver, every vehicle with its VIN and garaging address, the coverage selections, and the driving history a carrier needs to rate the policy.
Unlike most ACORD applications, the 90 is state-specific. There is no single national edition. ACORD publishes state versions (the 90 CA, 90 NY, 90 KS, and so on) because coverage options, required selections, and mandatory notices differ by state. Pulling the wrong state's edition is a real and common mistake.
When it's used
- Personal auto submissions where the carrier or market accepts ACORD paper instead of portal entry.
- Non-standard and specialty auto placements through wholesalers and MGAs.
- Remarketing a personal auto policy: complete the risk once, send it to every market instead of re-keying it portal by portal.
- Documenting the file. Even when the quote happens in a rater, the signed application records what the insured disclosed.
Section-by-section walkthrough
Agency and carrier information
Your agency's details, the target carrier, and the proposed effective and expiration dates.
Watch for: No effective date. Auto rates move; the quote needs a date to price to.
Applicant information
The named insured and co-applicant: legal names, mailing address, and contact details.
Watch for: Nicknames or missing co-applicants. Names here should match the license and the title.
Residence information
Whether the applicant owns or rents, years at the current address, and the prior address if recent.
Household residents and drivers
Every licensed household resident and every regular operator: date of birth, license number and state, years licensed, and driver details.
Watch for: Leaving off the licensed teen because they only drive one car. Undisclosed household drivers are the classic personal auto claim dispute; list everyone and exclude formally if the carrier allows it.
Vehicle information
Each vehicle's year, make, model, and VIN, plus the garaging address, use (pleasure, commute, business), and mileage.
Watch for: A garaging address that does not match where the car actually sits. Rating follows the garaging location, and a college kid's car garaged three states away is not rated at the parents' house.
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.
Watch for: Mismatched selections across vehicles that nobody intended. Read the schedule back to the insured before it goes out.
Driving history
Accidents and violations for the lookback period the form requests, for every listed driver.
Watch for: History that contradicts the MVR. Carriers order motor vehicle records and compare; the application should match what the record will show.
Prior insurance
The current carrier, limits, and expiration date.
Watch for: Unexplained lapses. Continuous coverage is a rating factor almost everywhere, and a gap without a story costs money.
General information questions
The yes/no underwriting questions about vehicle use, drivers, and household details, with explanations in remarks.
Watch for: A yes with no explanation attached. Delivery use in particular needs detail, because it changes eligibility.
Remarks and signatures
Explanations and context, then the applicant and producer signatures along with the state edition's required notices and fraud warnings.
Watch for: Missing signatures on the state-required selections. Some states want signed coverage elections, and the state edition of the form carries them for a reason.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 90 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- Undisclosed household drivers, found at claim time instead of application time.
- Garaging address that does not match where the vehicle is actually kept.
- Driving history that contradicts the MVR the carrier orders.
- Wrong state edition of the form, missing that state's required selections and notices.
- VIN typos that break every downstream lookup, from rating to the ID card.
Common questions
Is there one ACORD 90 for all states?
No. The 90 is published in state-specific editions because coverage options and required notices vary by state. Use the edition for the state where the vehicles are garaged.
Do I still need a signed application if I quote in a rater or carrier portal?
Carriers commonly require a signed application at binding, and the signed app is the agency's record of what the insured disclosed: drivers, garaging, use, and history. If a claim goes sideways, that record is what protects the agency.
Can Relay fill out an ACORD 90?
Yes. ACORD Generation is live in Relay: it drafts ACORD forms from the client record and documents you already have, and a person reviews everything before it goes out.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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