Change in Commercial Automobile Insurance Procedure (CAIP) Servicing Carrier
Effective September 1, 2022 National Specialty Insurance
Company (National Specialty) will be replacing NCIC as the CAIP Servicing
Carrier for the California Automobile Assigned Risk Plan. The National
Specialty policies will be serviced by AIPSO. This change will apply only to
policies issued by NCIC.
For Policies with an Effective Date on or after September
1, 2022, please direct inquiries to:
National Specialty Insurance Company
Serviced by AIPSO
PO Box 6200
Providence, RI 02940
Phone 855-224-2247
Fax 855-224-7329
CommercialAuto@aipso.com
In-Force Policies Prior to September 1, 2022
Any policy in-force with National Continental Insurance
Company (NCIC) with an effective date of August 31, 2022 or prior will
non-renew
on the first anniversary following September 1, 2022
.
As part of the non-renewal process, NCIC will notify the
insured and producer that the Plan policy they issued will not be renewed (in
accordance with Plan language for each state). The insured will be advised to
contact their producer to determine if they can obtain coverage in the
voluntary market. If the insured is unable to obtain coverage in the voluntary
market, the insured may re-apply to the Plan for coverage.
For In-Force Policies with an Effective Date of August
31, 2022 or earlier, direct inquiries to:
National Continental Insurance Company
CAIP Underwriting
PO Box 94762
Cleveland OH 44101
Phone 800-777-5304
Effective
Immediately:
Communication
with National Continental Insurance Company has been expanded to include
email:
caipcsr@nationalcontinental.com
(You will receive an auto-response
to your email with an assigned tracking number for your inquiry/request and
important information)
Important Notice
Effective October 1, 2021 CAARP will be implementing a new Private Passenger Pool (PPP). Twenty percent of the CAARP private passenger applications will be assigned to the PPP and will be issued by CAARP on policies in the name of CAARP. All policy processing services will be performed by AIPSO. All other aspects will remain the same. The assignment notice you receive will inform you if the application was assigned to the PPP or was assigned to a designated company.
E-Signature (Private Passenger Applications Only)
Certified producers may now utilize their own e-signature product/process to secure the necessary signatures at the application process.
COVID-19 Premium Refund/Credit Notice (Commercial)
In response to Insurance Commissioner Ricardo Lara's bulletin regarding premiums to drivers and businesses affected by COVID-19, the CAARP Advisory Committee has determined there will be a 10% refund or credit in premium for the months of March, April and May to policyholders with commercial policies. There is also a temporary Deletion of Vehicle Agreement that may provide additional relief if certain conditions apply.
Please contact National Continental Insurance Company (800-777-5304) for details on commercial policies.
If you have difficulty contacting the carrier, please email the Plan at caarp@aipso.com and we will provide assistance.
COVID-19 Premium Refund/Credit Notice (Private Passenger)
In response to Insurance Commissioner Ricardo Lara's bulletin regarding premiums to drivers and businesses affected by COVID-19, the CAARP Advisory Committee has determined there will be a 15% refund or credit in premium for the months of March, April, May, June and July to policyholders, with private passenger policies in effect as of March 1, and thereafter.
Please contact your assigned insurance company for details on the credit or refund.
If you have difficulty contacting your insurance carrier, please email the Plan at caarp@aipso.com and we will provide assistance.
ATTN: California Certified Producers
UNTIL FURTHER NOTICE: Due to the COVID-19 Pandemic and Bulletins issued by the California Department of Insurance, the California Automobile Assigned Risk Plan will be accepting CAARP and Low-Cost applications for applicants whose driver’s license has expired subsequent to March 16, 2020. This application must be submitted manually by submitting an alternate paper application to PO Box 6530 Providence, RI 02940 since the Easi system cannot be used. Any applicable premium surcharges due to a lapse will be adjusted by the carrier, once a policy is issued.
Should you have any questions, please contact the California Automobile Assigned Risk Plan at CAARP@aipso.com
Important Changes to the California Commercial Plan
- As of 9/1/2019, only certified funds (money orders, bank certified check, finance draft) and producer trust account checks will be considered valid forms of payments. This includes all payments (down payments and installment payments).
- Personal checks are no longer accepted.
- Effective 9/1/2019, a CAIP Inspected Units Form must be completed with any commercial applications or policy change requests for risks that require Federal Highway Administration or Federal Motor Carrier Safety Administration filings or endorsements.
All risks for which a filing has been requested (except SR-22) are subject to cost of hire rating and nonowned auto liability coverages. Effective 9/1/2019, if a filing is requested, the Cost of Hire and Nonowned Auto Liability Coverage sections of the application are now mandatory fields in order for coverage to be bound.
Important Notice
Please contact the Plan Office Customer Service Toll free number at 800-622-0954
for the following inquiries:
- For consumers looking for Assigned Risk insurance coverage.
- For producers/agents who require assistance with the Assigned Risk Plan.
Introducing EASi 2.0 for Commercial Applications
On 1/30/2018, the Plan will be upgrading to EASi 2.0 for Commercial application submissions.
WARNING: As of 1/30/2018, applications that have been saved but not yet submitted on this web site will become unavailable.
Applications submitted in this website prior to 1/30/2018 will continue to be available to you here, for 120 days, for viewing and/or reprinting.
Just like EASi 1.0, EASi 2.0 will not rate the Commercial Risk. If you need a password for EASi 2.0 please call Web Support at 888-424-0026.
Third Party Designee Procedure
To comply with 2013 Cal. Stat. 380 (former AB 1804), CA. Ins Code §396, which requires an insurer to maintain a verifiable process or adopt a procedure that allows the applicant or policyholder of a personal auto policy to designate one additional person to receive notices, termination, expiration, nonrenewal, or cancellation for nonpayment of premium - this new procedure has been added:
If the applicant elects a third party designee, producers must do the following:
- Once you save/validate and print the private passenger or low cost application, the printed pdf form will include a new section (Section 15 on low cost apps, Section 19 on private passenger apps) that must be completed by hand. If the applicant selects to elect a third party designee, then the producer must go to AIPSO.com (either CAARP or Low Cost website) – and print/download the form – under “forms” titled - Third Party Designee. The form must be completed and submitted with the application.
- If the applicant declines the third party designee option, then the producer must decline the box on the form and submit it with the application. (Refer to Low Cost/Private Passenger section of application)
The Third Party Designee form can be used if electing a third party designee midterm on the policy. As of February 1, 2016, the process will be further automated.
Enhancements to California's Low Cost Auto Insurance Program
Click here for an important announcement regarding enhancements to California’s Low Cost Auto Insurance (CLCA) Program took effect January 1, 2015 in compliance with California Senate Bill 1273. The announcement also outlines amendments to the CLCA Program effective December 1, 2014 in response to directives from California's Department of Insurance. Included with the announcement are screenshots of changes that were made to the CLCA Program’s Electronic Application Submission Interface (EASi), as well as two informational documents concerning CLCA Program eligibility and an Important Note for producers submitting CLCA applications.
Revised Convenience Fee Rates
Effective 12/1/2014, the convenience fee pricing for use of debit card payments for CAARP Private Passenger and CA Low Cost Auto processed through EASi has been revised and reduced by our vendor, Official Payments:
California Low Cost: $1.95
CAARP: $2.95
(Prior pricing was at $3.99 for California Low Cost and $19.99 for CAARP)
Credit Card convenience fees will remain unchanged:
California Low Cost: $3.99
CAARP: $19.99