Multi-State Insurance Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Program overview - California private passenger auto program administered by Multi-State Insurance Services, Inc. for Century-National Insurance Company. - Nonstandard/standard personal auto focus, written only in California; no out-of-state garaging or transfer coverage for out-of-state drivers. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) Preferred / target business - California-garaged private passenger vehicles with verifiable driving history (CLUE and MVR run at point of sale). - Drivers with at least 3 years of licensure history (license experience verified from 3 years back to age 16). ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Risks able to comply with required documentation: photos or sales contract when physical damage is requested, and proof of not-at-fault where needed. Acceptable / notable eligibility points - Salvaged vehicles: acceptable for all coverages when otherwise eligible. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Business use: allowed; artisan use allowed for self‑employed tradesmen with no employees, max 5 job sites per day, and no corporate ownership of the vehicle. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Motor club memberships: permitted. - License conditions: SR-22 with license pending is acceptable; suspended or expired licenses can be written subject to program rules; international and foreign licenses are acceptable. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Registered domestic partners: acceptable; proof of marriage/RDP generally not required at new business if both are age 23+ but must be obtainable if later requested by claims. Acceptable alternate proof includes having children together, joint real property ownership, or joint tax filing. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) Coverages & limits (operational highlights) - Bodily injury / property damage liability: offered at 15/30/5 or higher per program options; underwriting quick ref notes 15/30/5 or 10 as base reference. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - UM/UIM and UMPD: UM BI 15/30; UMPD $3,500 or Collision Damage Waiver (CDW) option. - Medical payments: $500 limit offered. - Physical damage: comprehensive and collision deductibles of $500 or $1,000; no special equipment coverage; rental reimbursement $20 per day up to 20 days. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) Restricted or declined classes (operational notes) - Non-owner policies: not permitted under this program. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Permissive use: not allowed – all regular drivers should be listed; policies should not be structured to rely on permissive-use coverage for non-listed drivers. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - No special equipment coverage available; vehicles heavily modified with special equipment may not fit appetite. Geographic notes - Program is filed as a California private passenger auto program; garaging must be in California. - Transfer of coverage is limited to any driver on the policy with no out‑of‑state exposure (no transfer coverage for out‑of‑state drivers or garaging). ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) Submission & processing requirements - Point of sale workflow: - Applications with e‑signature are automatically submitted to Multi-State via the point-of-sale system. - Non e‑signature applications must be manually signed and then submitted via the producer web portal or by email. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Data verification: - CLUE and MVR must be run at point of sale for eligibility and rating. - Annual mileage must reflect actual usage. - License experience is to be verified back 3 years or to age 16, whichever is shorter. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Documentation for physical damage: - When comprehensive or collision coverage is requested, two clear photos showing all sides of each vehicle are required prior to new business upload. - A sales contract is acceptable in lieu of photos if the policy effective date is the same day or within one business day of the purchase date. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai)) - Down payment: collected via broker EFT or insured credit card at binding. Broker / producer operational notes - Use the Multi-State producer web portal for document upload and non e‑signature application submission; email submission is allowed where specified. - Ensure all household and regular drivers are listed due to no permissive-use allowance. - Confirm and document marital/RDP status where it impacts rating; while proof is not required at new business for couples age 23+, the producer should confirm that acceptable proof can be obtained if requested by claims. - Obtain and retain proof for not‑at‑fault accidents when needed for underwriting or rating consideration. Overall appetite summary - California-only nonstandard/standard personal auto program comfortable with salvage vehicles, business/artisan use within defined parameters, and a wide range of license statuses, provided documentation and verification requirements (CLUE, MVR, photos/sales contract, proof of not‑at‑fault) are strictly followed. Non‑owner policies and permissive‑use‑dependent risks are outside appetite; out‑of‑state garaging or transfer exposure is not allowed. ([portal.msiga.com](https://portal.msiga.com/Documents/auto/CA-Quick/UWQuickRef-CA.pdf?utm_source=openai))