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
Verified current published underwriting guidance is a California private passenger auto quick-reference guide hosted on MSIGA’s official producer portal. The guide shows multiple carrier/program variants under the MSIGA California Personal Auto Program (including Century-National, Nations, Nations NSD, Pacific Pioneer, Topa, and Nations Motor Club options). Core target business appears to be nonstandard California personal auto with point-of-sale underwriting and supporting documentation. Common acceptable risks/features across the guide include salvaged vehicles acceptable for all coverages, pending SR22, suspended/expired licenses, international and foreign licenses, registered domestic partners, actual annual mileage, and insured-supplied photos. Business use is accepted for several carrier options, and artisan risks are accepted only for self-employed tradesmen with no employees, no corporate ownership, and a maximum of 5 job sites per day; however, Topa specifically shows business use and artisan as not accepted. Common restrictions/declines include non-owner not accepted, permissive use not accepted, special equipment not accepted, and spouse exclusion permitted in at least some program variants. Pacific Pioneer specifically lists unacceptable drivers as those with felony narcotics/drug convictions, 2 or more at-fault accidents or major violations in the last 5 years, 2 or more major violations in the last 7 years, or named insureds with less than 3 years’ experience. Geographic note: the verified underwriting guide is specifically for California private passenger auto, and one transfer-coverage note in the Nations Motor Club section says no out-of-state transfers. Submission requirements are operationally specific: e-signature applications auto-submit through point of sale; manually signed applications must be sent through the producer web portal or by email; CLUE and MVR are run at point of sale; if physical damage is requested, two clear photos of all sides of the vehicle are required before new business upload; a sales contract can substitute for photos if the policy is effective the same day or within one business day; and down payment is by broker EFT or insured credit card. Coverage/processing notes repeatedly shown include liability limits of 15/30/5 or 10, UMBI/UMPD 15/30 with $3,500 or CDW option, medical payments $500, comp/collision deductibles of $500 or $1,000, rental generally $20/day up to 20 days, transfer coverage usually same coverage with notice within 10 days, proof of not-at-fault loss required, and 3 years of license experience verification back to age 16. Broker/producer notes include use of the producer portal for submission, reliance on point-of-sale reports, and at least one program rule that NSF on down payment, renewal, or installment results in rescission. No broader public appetite/broker page with more comprehensive underwriting guidance was verified on the official site beyond this portal-hosted PDF.