Clearcover is expanding its underwriting appetite in Florida to accept drivers with more prior personal injury protection claims.

The insurer’s Access Program previously rejected new-business households with at least one PIP claim in the preceding 11 months or two claims during the preceding 35 months. Under the revised rule, applicants become ineligible at two claims within 11 months or three claims within 35 months.

Clearcover said its recently introduced Experience Group Matrix allows it to adequately price these risks and serve a segment of the nonstandard auto market that has historically been underserved. The change has no overall rate impact and applies to new business beginning July 16, 2026, and renewals beginning September 4.

The company is also updating its Kentucky program to comply with House Bill 627. The changes significantly raise funeral-expense and weekly income-loss sublimits under optional PIP coverage. Depending on the selected total limit, funeral coverage increases from as little as $1,250 to between $6,250 and $10,000, while weekly income benefits increase from between $250 and $750 to between $625 and $1,875. The filing has no rate impact.

Separately, Clearcover General Agency filed a rate revision for its Texas auto program, underwritten by Old American County Mutual Fire Insurance Company. The change produces an overall increase of just 0.2% across 375 policyholders and approximately $708,800 in written premium, but individual changes range from a 33.6% decrease to a 39% increase.

The program’s previous rate revision was an 8.3% decrease that took effect in April 2025.