First Chicago is updating its Kansas Benchmark Auto Program, introducing revised underwriting and rating rules for its standard private passenger auto offering. The changes were submitted on April 29, 2026, and are scheduled to take effect May 29, 2026 for new business and July 14, 2026 for renewals.

The program targets standard-market risks and continues to support a wide range of coverage options, including liability, personal injury protection, collision, and optional add-ons such as rental reimbursement, roadside assistance, and legal expense coverage.

On the distribution side, the product remains tightly controlled through the carrier’s internal Policy Tracking System, which governs quoting, binding, and endorsements in real time. Policies are offered in one, three, and six-month terms, with installment plans and layered fees including service, late, and SR-22 charges.

The filing reinforces a structured underwriting approach. Eligibility rules exclude higher-risk drivers, certain vehicle types, and most commercial uses unless specific endorsements are applied. Notably, vehicles from Tesla are explicitly ineligible for physical damage coverage under the program, alongside high-value vehicles and other specialty risks.

Rideshare and delivery exposure is allowed only through dedicated endorsements, continuing the separation between personal and commercial risk.

From a pricing standpoint, no rate changes were included. The update focuses on rule and manual revisions, including discount structures, surcharge frameworks, and tighter eligibility enforcement.