# Personal and commercial auto,
one platform
> Personal lines, commercial fleets, TNC, rideshare, delivery. One rating engine, one bind flow, fifty states of filings. From your dealership to a policyholder's claim payout, everything is handled by Sure.
Canonical URL: https://www.sureapp.com/products/auto
Product slug: auto
Category: Insurance products
## Auto programs, filed state by state

Every form number, every version, every state. Regulator approved.
Filing coverage: 47 / 51. States with a live, filed auto program on the Sure platform today.

Forms on file:
- SU-AU-001 (live, v24.3) — Personal Auto Policy: private passenger
- SU-AU-002 (live, v24.1) — Commercial Auto: fleet endorsement
- SU-AU-003 (live, v23.9) — TNC / rideshare supplement
- SU-AU-004 (live, v24.2) — Non-owned auto liability
- SU-AU-005 (live, v23.4) — Mexico coverage endorsement
- SU-AU-006 (beta, v25.1) — Telematics-rated pay-per-mile

## What a Sure auto policy actually covers

Standard limits shown. Every line is configurable at the program level. Change the deductible, raise the limit, add a rider. Sure handles everything.
### Liability & property, standard auto — Required
- Bodily injury liability: $100k / $300k (Per person / per accident)
- Property damage liability: $50k (Per accident)
- Collision coverage: $500 (Deductible)
- Comprehensive: $250 (Theft, weather, glass)
- Uninsured motorist: $100k / $300k (Per person / accident)
- Medical payments: $5k (Per person)
### Program-specific endorsements — Optional
- Rideshare period 1–3: Included (TNC app on, passenger, drop-off)
- Delivery / courier use: Rider (Last-mile, restaurant, grocery)
- Rental reimbursement: $40 / $1.2k (Per day / per claim)
- Roadside assistance: Included (Towing, lockout, jump-start)
- Gap coverage: Rider (Lease / finance gap)
- OEM parts guarantee: Rider (Repair with original parts)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

The bind is the easy part. Renewals, endorsements, and first-notice-of-loss are where most programs fall apart. When built on Sure, insurance products live within a brand's experience.
### Self-service that your team doesn't have to staff
Drivers file claims, pull ID cards, and adjust limits inside the brand's app. Claims AI handles triage in the background. Partners see statuses without owning queues.
- First-notice-of-loss in two taps, routed straight to Claims AI
- Live coverage and ID cards, downloadable as PDFs
- Mid-term endorsements without rebuilding the quote
- Service handoffs to live agents stay inside the partner's brand

## Launch an auto program, filed and writing in weeks

Learn more about how your auto program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure