Detailed supplement for commercial auto policies. Covers fleet vehicle schedules, driver lists, coverage selections, and radius of operations.
The ACORD 131 is the commercial automobile supplement that captures detailed vehicle, driver, and coverage information for commercial auto policies. While the ACORD 127 covers business auto as a component of a broader commercial package, the 131 is the comprehensive commercial automobile section used for standalone commercial auto policies or when more detailed auto information is needed.
This form handles fleet vehicle schedules with full VIN-level detail, comprehensive driver information, coverage selections per vehicle, and specialized commercial auto exposures. For businesses with larger fleets or complex auto operations, the 131 provides the level of detail underwriters need.
The 131 is particularly important for trucking operations, delivery services, and any business where vehicles are a core part of operations rather than incidental.
Every vehicle used in business operations must be listed. Missing vehicles — even personal vehicles used for business — create coverage gaps. At audit, the carrier will add unlisted vehicles and charge back premium.
All authorized drivers must be on the application. An unlisted driver in an accident creates serious coverage questions. This is especially critical for drivers with CDL requirements.
Understating radius saves premium initially but creates exposure at claim time. If a vehicle is involved in an accident 300 miles from the garaging address but the application states 'local' radius, the carrier may investigate.
For businesses that transport goods (their own or others'), cargo coverage details are essential. Omitting this information leaves a significant exposure unaddressed and may void coverage for cargo claims.
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