ACORD 90 refers to a family of state-specific Personal Auto Applications, not one interchangeable national form. A state suffix, such as ACORD 90 AK, identifies the applicable version. The application organizes driver, vehicle, garaging, use, loss, and requested coverage information for underwriting. It does not bind auto insurance.
Why is ACORD 90 state specific?
Personal auto requirements differ by jurisdiction. Vertafore's current personal lines map, for example, identifies ACORD 90 AK as the Alaska Personal Auto Application rather than listing a generic national application.[1] The associated mapping sample is also labeled for Alaska.[2] Other states use their own suffixes, disclosures, questions, and coverage selections.
That means an edition date without a state is incomplete. Use the form supplied for the state where the risk is being submitted. Do not replace it with a similarly numbered version found online.
What information does a state ACORD 90 collect?
The details vary, but a personal auto application commonly identifies the applicant, residence and garaging addresses, drivers, vehicles, vehicle use, requested limits and deductibles, prior insurance, accidents, violations, and other underwriting facts. State-required choices or notices may add sections that do not appear elsewhere.
The form is an application record. It does not independently verify a motor vehicle record, determine fault for an accident, or guarantee that a requested driver or vehicle is acceptable.
What should an applicant verify?
Match every driver's legal name and license information to current records. Check each vehicle identification number, registration state, ownership or lease status, garaging address, annual mileage, and use. Explain commuting, business use, rideshare or delivery activity, youthful operators, out-of-household regular drivers, and custom equipment when the application asks.
Review accident, violation, suspension, prior insurance, and cancellation questions for the period stated on that state form. Do not copy dates from an old application without confirming them.
Does signing ACORD 90 create auto coverage?
No. The insurer may verify information, revise the quote, request documents, or decline the risk. A binder or issued policy from an authorized insurer or representative establishes coverage. Compare its named insureds, drivers, vehicles, dates, limits, deductibles, endorsements, and exclusions with the application.
Where can you obtain the correct version?
Eligible users can search ACORD's Forms Portal.[3] The safest source for an applicant is the agency or authorized system handling the submission. Confirm both the state suffix and edition before signing.
Frequently asked questions
Can I use ACORD 90 from another state
Do not assume so. State applications can contain different questions, disclosures, and coverage choices. Use the version requested for the actual risk.
Is ACORD 90 proof of auto insurance
No. Look to the insurer's binder, declarations, policy, endorsements, and any required insurance identification card for evidence and terms.
The Bottom Line
ACORD 90 identifies a state family of personal auto applications. Start with the correct suffix and edition, then verify every driver, vehicle, address, use, loss, and coverage request. The insurer's issued documents control.
This guide is educational and describes the ACORD 90 form family in original language. Menlo Insurance Services is not affiliated with ACORD Corporation. The insurer's documents control.
References
- 1.Vertafore. “Personal Lines ACORD Form Mapping.” Accessed September 2026. https://help.vertafore.com/Sagitta/content/eforms_mapping/personallines.htm ↩
- 2.Vertafore. “ACORD 90 AK Alaska Personal Automobile Application Mapping.” Accessed September 2026. https://help.vertafore.com/Sagitta/content/resources/documents/personal_acord_forms/acord_90_ak_-_alaska_personal_automobile_application.pdf ↩
- 3.ACORD. “Forms Portal.” Accessed September 2026. https://formsportal.acord.org/Home ↩