Policy Forms Used by the Top 10 Private Passenger
Automobile Insurance Groups in Nevada
As an informational resource for consumers, the Nevada Division of Insurance offers on this Web page free, downloadable copies of private passenger automobile insurance policy forms and mandatory amendatory endorsements offered by the top 10 insurance groups writing private passenger automobile insurance in Nevada. The top 10 groups were identified on the basis of market share by direct written premium, using 2010 data from the National Association of Insurance Commissioners (NAIC) database (I-Site). Consumers may use this information as a starting point in their comparison-shopping for insurance products.
1. State Farm Group – 2010 Market Share: 15.30%
- State Farm Fire and Casualty Company and State Farm Mutual Automobile Insurance Company
2. Zurich Insurance Group – 2010 Market Share: 11.88%
- Farmers Insurance Exchange and Mid-Century Insurance Company
3. Allstate Insurance Group – 2010 Market Share: 10.59%
- Allstate Fire and Casualty Insurance Company
- Allstate Property and Casualty Insurance Company
- Encompass Home and Auto Insurance Company
4. Progressive Group – 2010 Market Share: 8.68%
- Progressive Direct Insurance Company
- Progressive Northern Insurance Company
5. California State Auto Group – 2010 Market Share: 6.76%
- Western United Insurance Company, d.b.a. AAA Nevada Insurance Company
6. Berkshire Hathaway Group (including GEICO) – 2010 Market Share: 6.55%
- GEICO General Insurance Company and Government Employees Insurance Company
7. United Services Automobile Association Group (USAA) – 2010 Market Share: 5.35%
8. American Family Insurance Group – 2010 Market Share: 5.13%
- American Family Mutual Insurance Company
- American Standard Insurance Company of Wisconsin
9. Hartford Fire and Casualty Group – 2010 Market Share: 4.51%
- Hartford Casualty Insurance Company and Hartford Fire Insurance Company
- Hartford Underwriters Insurance Company
- Property and Casualty Company of Hartford
- Sentinel Insurance Company, Ltd.
10. Liberty Mutual Group – 2010 Market Share: 4.06%
- Safeco Insurance Company of Illinois
- Colorado Casualty Insurance Company
I. Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. Insurance companies may also have optional amendatory endorsements which the policyholder may select to broaden, narrow, or otherwise alter the coverage provided. These optional features are not listed here.
II. The policy documents on this page are presented for informational purposes only and are not intended to endorse, recommend, advertise, or comment on the quality of any particular insurer’s product in any manner, or to imply that the insurance products identified on this page are the only products available to consumers for this line of business. Consumers are encouraged to shop around to find companies and coverages that best suit their insurance needs.
III. The content of the insurance forms alone determines available coverages and exclusions. The number of mandatory forms used by an insurance company does not necessarily correspond with the extent of coverage, or the extent of coverage restrictions, in that company’s product. Furthermore, the number of an insurer’s mandatory forms is not an indicator of the content or degree of complexity of the insurance policy language. Consumers are encouraged to read their insurance policies carefully.
IV. The information displayed on this page is the most current information available and known to the Nevada Division of Insurance. While the Division makes its best effort to keep this documentation current and accurate, these documents should be considered informational references only and are not a guarantee that any specific insurance product will be available to any specific insurance consumer. Furthermore, this information does not convey any other guarantees, express or implied, to the consumer. This effort is a work in progress and, as such, may be periodically updated, enhanced, revised, and expanded in scope.
Forms by Group and Company
1. State Farm Group – 2010 Market Share: 15.30%
Companies: State Farm Fire and Casualty Company and State Farm Mutual Automobile Insurance Company
- 9828A: State Farm Car Policy Booklet – Nevada
- 6928A.1: Amendatory Endorsement – Nevada
2. Zurich Insurance Group – 2010 Market Share: 11.88%
Companies: 21st Century Advantage Insurance Company, 21st Century Assurance Insurance Company, 21st Century Centennial Insurance Company, 21st Century North America Insurance Company, 21st Century Premier Insurance Company
- AU NV01a 0405: Personal Automobile Insurance Policy
- AU NV46 0110: Amendment of Policy Provisions – Nevada
- AU NV46a 1210: Amendment of Policy Provisions – Nevada
Companies: Farmers Insurance Exchange and Mid-Century Insurance Company
- 56-5058:Your E-Z Reader Car Policy
- J6275: Endorsement Amending Part IV – Damage to Your Car
- J6284: Safety Glass – Waiver of Deductible Part IV – Damage to Your Car – Coverage F
- J6489: Amended Business Use Exclusion
- J6492: Endorsement Amending Definition of Insured Person Under Part I - Liability
- J6674: Customizing Equipment Endorsement
- J6774: Endorsement Amending Part IV – Damage to Your Car Excluding Coverage for Diminished Value
- J6683: Household Pet Coverage
- NV007: Amending Medical Expense Provisions
- NV008: Endorsement Amending Part I - Liability
- NV011: Changes to Part II Uninsured Motorist Coverage and Part III Medical Coverage
- NV012: Coverage C – Underinsured Motorist Coverage
- NV018: Endorsement Amending Part III – Medical Other Insurance
- NV019: Endorsement Amending Definitions, Part I – Liability and Special Provisions
3. Allstate Insurance Group – 2010 Market Share: 10.59%
Company: Allstate Fire and Casualty Insurance Company
- AFA30: Allstate Fire and Casualty Insurance Company Auto Policy
- AU14130: Nevada Amendatory Endorsement
- AU14405: Amendment of Policy Provisions
Company: Allstate Indemnity Company
- PDU218: Allstate Indemnity Auto Insurance Policy
- Form AU14405 above also applies.
Company: Allstate Insurance Company
- AU127-1: Allstate Auto Insurance Policy
- AU1887-5: Nevada Amendatory Endorsement
- AU13007: Renewal Offer Guarantee
- Forms AU14130 and AU14405 above also apply.
Company: Allstate Property and Casualty Insurance Company
- AU10613: Allstate Property and Casualty Insurance Company Auto Policy
- Forms AU14130, AU14405, AU1887-5, and AU13007 above also apply.
Company: Encompass Home and Auto Insurance Company
- G-18538-A, Ed. 09-03: Introduction
- G1-72228-A, Ed. 01-07: Transition Endorsement – Special Motor Vehicle Segment
- G1-72229-A, Ed. 01-07: Transition Endorsement – Deluxe Motor Vehicle Segment
- G1-72230-A, Ed. 01-07: Transition Endorsement – Elite Motor Vehicle Segment
- G1-72262-A, Ed. 01-07: General Provisions
- G1-72266-A, Ed. 01-07: Elite/Deluxe Motor Vehicle
- G1-72267-A, Ed. 01-07: Special Motor Vehicle
- G1-72617-A, Ed. 06-07: Special Value – Motor Vehicle – Nevada
- G1-72620-A, Ed. 06-07: Amendment of Motor Vehicle Provisions – Nevada
- G1-74083-A, Ed. 12-08: Amendment of Special Value Motor Vehicle Provisions – Nevada
4. Progressive Group – 2010 Market Share: 8.68%
Companies: Progressive Casualty Insurance Company, Progressive Northwestern Insurance Company, Progressive Specialty Insurance Company
Companies: Progressive Direct Insurance Company
- Forms for Progressive Direct Insurance Company
Companies: Progressive Northern Insurance Company
- Forms for Progressive Northern Insurance Company
5. California State Auto Group – 2010 Market Share: 6.76%
Company: Western United Insurance Company, d.b.a. AAA Nevada Insurance Company
- AA01NV 05 09: Nevada Auto Policy
6. Berkshire Hathaway Group (including GEICO) – 2010 Market Share: 6.55%
Company: GEICO Casualty Company
- A-30-NV (02-08): Nevada Family Automobile Insurance Policy
- CC1110 (10-09): Automobile Policy Amendment – Nevada
- CC-115 (04-08): Automobile Policy Amendment – Emergency Road Service Coverage
- CC-1151 (12-88): Additional Insured Endorsement
- CC-1174 (08-06): Rental Reimbursement Amendment
- CC1196 (3-06): Insurance for Custom Parts and Equipment
- CC1216 (1-88): Named Non-Owner Coverage
- CC1226 (9-88): Suspension of Coverage
- CC1229 (9-88): Reinstatement of Coverage
- CC1239 (2-01): Use Restriction – Premium Reduction
- CC-280 (2-96): Family Automobile Risk Amendment – Multi-Risk Physical Damage Coverage
- CC-438B (07-07): Recreational Vehicle Coverage Automobile Policy Endorsement
- CC438GL (09-07): Recreational Vehicle Coverage Amendment
- UE-316 (4-85): Loss Payable Clause
Company: GEICO General Insurance Company and Government Employees Insurance Company
- A-115 (04-08): Automobile Policy Amendment – Emergency Road Service Coverage
- A-180 (2-96): Family Automobile Policy Amendment – Multi-Risk Physical Damage Coverage
- A-398 (10-95): Miscellaneous Vehicle Endorsement
- A-399 (10-95): Commercial Vehicle Endorsement
- A-420-D (06-03): Non-Individually Owned Autos Endorsement
- A-431 (08-06): Rental Reimbursement Amendment
- A-438B (07-07): Recreational Vehicle Coverage Automobile Policy Endorsement
- A438GL (09-07): Recreational Vehicle Coverage Amendment
- A-467-F (07-03): Named Non-Owner Coverage
- A54NV (10-09): Composite Amendment
- UE-10 (9-90):Contents Coverage (Fire & Lightning): RVs and Mobile Home
- UE-11 (M-84): Suspension of Coverage
- UE-115 (M-84): Use Restriction – Premium Reduction Endorsement
- UE-12 (M-84): Reinstatement of Coverage
- UE-134 (02-01): One Trip Mobile Home Endorsement
- UE-135 (M-84): Lapse of Coverage
- UE-207 (01-01): Travel Trailer – Mobile Homes Endorsement
- UE-210 (01-01): Motor Home Endorsement
- UE-22 (02-01): Loss Limitation Endorsement
- UE-30 (M-84): Additional Insured Endorsement
- UE-311 (10-95): Extended Non-Owned Automobile Coverage (Named Insured or Relative)
- UE-315 (3-06): Insurance for Custom Parts and Equipment
- UE-324 (M-84): Antique Automobiles Endorsement
- UE-36 (5-87): Commercial Automobiles – Limited
- UE-38 (2-01): Federal Government Owned or Leased Vehicles
- UE-57 (9-90): Mobile Homes – Contents Only Endorsement
- UE-58 (5-87): Commercial Automobile – Local
- UE-95 (M-84): Antique Automobile
- Forms A-30-NV (02-08) and UE-316 (4-85) above also apply.
Company: GEICO Indemnity Company
- CRA-115 (04-08): Automobile Policy Amendment – Emergency Road Service Coverage
- CRA233NV (10-09): Automobile Policy Amendment – Nevada
- CRA-280 (2-96): Family Automobile Policy Amendment – Multi-Risk Physical Damage Coverage
- CRA-398 (10-95): Miscellaneous Vehicle Endorsement
- CRA-399 (10-95): Commercial Vehicle Endorsement
- CRA-420-D (06-03): Non-Individually Owned Autos Endorsement
- CRA-431 (08-06): Rental Reimbursement Amendment
- CRA-438B (07-07): Recreational Vehicle Coverage Automobile Policy Endorsement
- CRA438GL (09-07): Recreational Vehicle Coverage Amendment
- CRA-467 (07-03): Named Non-Owner Coverage
- CRUE-1 (01-01): Travel Trailer - Mobile Homes Endorsement
- CRUE-11 (9-88): Suspension of Coverage
- CRUE-115 (9-88): Restriction - Premium Reduction Endorsement
- CRUE-12 (5-67): Contents Coverage (Fire & Lightning): RVs and Mobile Home
- CRUE-13 (9-88): Reinstatement of Coverage
- CRUE-134 (2-01): One Trip Mobile Home Endorsement
- CRUE-135 (9-88): Lapse of Coverage
- CRUE-168B (12-88): Additional Insured Endorsement
- CRUE-17 (2-01): Loss Limitation Endorsement
- CRUE-181 (3-06): Insurance for Custom Parts and Equipment
- CRUE-210 (01-01): Motor Home Endorsement
- CRUE-22 (10-95): Extended Non-Owned Automobile Coverage (Named Insured or Relative)
- CRUE-38 (2-01): Federal Government Owned or Leased Vehicles
- Forms A-30-NV (02-08) and UE-316 (4-85) above also apply.
7. United Services Automobile Association Group (USAA) – 2010 Market Share: 5.35%
Companies: United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property & Casualty Insurance Company
- 5100NV(01): Contract - Independent 5100NV
- A100NV(05): Amendment of Policy Provisions - Nevada
- A400CW(03): Amendment of Policy Provisions
- A401CW(01): Amendatory Endorsement Transportation Expenses/Rental Reimbursement
8. American Family Insurance Group – 2010 Market Share: 5.13%
Company: American Family Mutual Insurance Company
- U-5, Ed. 6/05, Rev. 4/09: Family Car Policy
- U-6, Ed. 6/05, Rev. 4/09: Miscellaneous Vehicle Policy
- END. 10, Ed. 6/05: Special Provisions for American Family Mutual Insurance Company Policyholders
- END. 45 (NV), Ed. 9/08: Cancellation and Nonrenewal Endorsement - Nevada
- END. 298 (NV), Ed. 9/08: Nevada Changes – Miscellaneous Vehicle Policy
- END. 300 (NV), Ed. 9/08: Nevada Changes – Family Car Policy
Company: American Standard Insurance Company of Wisconsin
- Forms U-5, U-6, END. 45 (NV), END. 298 (NV), and END. 300 (NV) above apply.
9. Hartford Fire and Casualty Group – 2010 Market Share: 4.51%
Companies: Hartford Accident and Indemnity Company, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Twin City Fire Insurance Company
- 8527: Personal Auto Policy – Nevada
- A-4361-1, Ed. 12/94: Additional Insured (Lessor)
- A-4832-1: Lifetime Continuation Agreement
- A-4893-1, Ed. 5/98: Additional Premium – Financial Responsibility Filing
- A-5260-1, Ed. 7/90: Waiver Of Collision Deductible
- A-5317-4, Ed. 11/00: Motor Home Extension of Coverage
- A-5425-1, Ed. 7/99: Snowmobile Endorsement (Split Limits)
- A-5660-1, Ed. 8/99: Personal Auto Insurance Program Special Extensions of Coverage
- A-5741-4, Ed. 10/04: Amendment of Policy Provisions - Nevada
- A-5894-0, Ed. 2/02: Replacement Cost Coverage For New Cars
- A-5922-0, Ed. 10/02: Trailer Coverage (Maximum Limit of Liability)
- A-6046-0, Ed. 10/05: RecoverCare Essential Services Coverage
- A-6073-1, Ed. 10/07: Emergency Expense And Accident Forgiveness
- A-6077-0, Ed. 12/06: DRP Collision Deductible Reduction Provision
- A-6086-0, Ed. 11/07: No Drop Promise Agreement
- A-6155-0, Ed. 2/10: Disappearing Collision Deductible
- A-6188-0, Ed. 7/10: Personal Auto – One Deductible Loss Provision
- A-6402-0, Ed. 06/06: The Hartford Platinum Auto Coverage
- A-6417-1, Ed. 07/07: The Hartford Essential Personal Auto Amendatory Provision
- A-6527-1: Home Business Insurance Plan Auto Coverage
Companies: Hartford Casualty Insurance Company and Hartford Fire Insurance Company
- 8527: Personal Auto Policy – Nevada
- A-4361-1, Ed. 12/94: Additional Insured (Lessor)
- A-4893-1, Ed. 5/98: Additional Premium – Financial Responsibility Filing
- A-5260-1, Ed. 7/90: Waiver Of Collision Deductible
- A-5317-4, Ed. 11/00: Motor Home Extension of Coverage
- A-5425-1, Ed. 7/99: Snowmobile Endorsement (Split Limits)
- A-5552-0, Ed. 12/95: Supplemental Death Benefit Endorsement
- A-5579-2, Ed. 08/00: Limited Mexico Coverage
- A-5708-0, Ed. 12/99: Hartford Personal Auto Insurance Program Special Extensions of Coverage
- A-5741-4, Ed. 10/04: Amendment of Policy Provisions - Nevada
- A-5922-0, Ed. 10/02: Trailer Coverage (Maximum Limit of Liability)
- CAF-2722-0, Ed. 5/03: Nevada Rating Disclosure Statement
Company: Hartford Underwriters Insurance Company
- 8527: Personal Auto Policy – Nevada
- A-4361-1, Ed. 12/94: Additional Insured (Lessor)
- A-4832-1: Lifetime Continuation Agreement
- A-4893-1, Ed. 5/98: Additional Premium – Financial Responsibility Filing
- A-5178-2: Safe Driver Insurance Plan - Nevada
- A-5260-1, Ed. 7/90: Waiver Of Collision Deductible
- A-5317-4, Ed. 11/00: Motor Home Extension of Coverage
- A-5425-1, Ed. 7/99: Snowmobile Endorsement (Split Limits)
- A-5552-0, Ed. 12/95: Supplemental Death Benefit Endorsement
- A-5579-2, Ed. 08/00: Limited Mexico Coverage
- A-5741-4, Ed. 10/04: Amendment of Policy Provisions - Nevada
- A-5865-1: Disappearing Collision Deductible
- A-5893-0: Personal Auto Insurance Program Special Extension of Coverage
- A-5922-0, Ed. 10/02: Trailer Coverage (Maximum Limit of Liability)
- A-6046-0, Ed. 10/05: RecoverCare Essential Services Coverage
- A-6527-1: Home Business Insurance Plan Auto Coverage
Company: Property and Casualty Company of Hartford
- 8527: Personal Auto Policy – Nevada
- A-4361-1, Ed. 12/94: Additional Insured (Lessor)
- A-4832-1: Lifetime Continuation Agreement
- A-4893-1, Ed. 5/98: Additional Premium – Financial Responsibility Filing
- A-5260-1, Ed. 7/90: Waiver Of Collision Deductible
- A-5317-4, Ed. 11/00: Motor Home Extension of Coverage
- A-5425-1, Ed. 7/99: Snowmobile Endorsement (Split Limits)
- A-5552-0, Ed. 12/95: Supplemental Death Benefit Endorsement
- A-5579-2, Ed. 08/00: Limited Mexico Coverage
- A-5698-1: Safe Driver Insurance Plan - Nevada
- A-5741-4, Ed. 10/04: Amendment of Policy Provisions - Nevada
- A-5865-1: Disappearing Collision Deductible
- A-5893-0: Personal Auto Insurance Program Special Extension of Coverage
- A-5922-0, Ed. 10/02: Trailer Coverage (Maximum Limit of Liability)
- A-6046-0: RecoverCare Essential Services Coverage
- A-6527-1: Home Business Insurance Plan Auto Coverage
Company: Sentinel Insurance Company, Ltd.
- 8527: Personal Auto Policy – Nevada
- A-4361-1, Ed. 12/94: Additional Insured (Lessor)
- A-4893-1, Ed. 5/98: Additional Premium – Financial Responsibility Filing
- A-5260-1, Ed. 7/90: Waiver Of Collision Deductible
- A-5317-4, Ed. 11/00: Motor Home Extension of Coverage
- A-5425-1, Ed. 7/99: Snowmobile Endorsement (Split Limits)
- A-5552-0, Ed. 12/95: Supplemental Death Benefit Endorsement
- A-5579-2, Ed. 08/00: Limited Mexico Coverage
- A-5708-0, Ed. 12/99: Hartford Personal Auto Insurance Program Special Extensions of Coverage
- A-5741-4, Ed. 10/04: Amendment of Policy Provisions - Nevada
- A-5922-0, Ed. 10/02: Trailer Coverage (Maximum Limit of Liability)
- A-6046-0, Ed. 10/05: RecoverCare Essential Services Coverage
- A-6083-0, Ed. 08/07: Disappearing Collision Deductible
- A-6402-0, Ed. 06/06: The Hartford Platinum Auto Coverage
- A-6417-1, Ed. 07/07: The Hartford Essential Personal Auto Amendatory Provision
- CAF-2722-0, Ed. 5/03: Nevada Rating Disclosure Statement
10. Liberty Mutual Group – 2010 Market Share: 4.06%
Company: Safeco Insurance Company of Illinois
* Owner Policy Forms
- SA-1852/NVEP 6/09: Nevada Personal Auto Policy
* Named Non-Owner Policy Forms
- SA-1947/NVEP 2/09: Nevada Named Non-Owner Personal Auto Policy
Company: Colorado Casualty Insurance Company
* Owner Policy Forms
- PP 00 01 06 98: Personal Auto Policy
- PP 13 01 12 99: Coverage for Damage to Your Auto Exclusion
- 90-1NV 06 06: Amendment of Policy Provisions – Nevada