Kin is updating its Florida private passenger auto program to make certain vehicles with problematic histories eligible for coverage.

Under the revised guidelines, vehicles with rebuilt, reconstructed or hail-branded titles will be eligible for all coverages, while vehicles with manufacturer-branded lemon titles will require underwriting review. Vehicles with salvage or Canadian total-loss titles will qualify for liability coverage only.

Kin is also introducing eligibility rules based on CARFAX severe-accident indicators. Vehicles associated with police-reported severe damage, airbag deployment, an OEM courtesy buyback or recycling will qualify for all coverages. Vehicles with salvage-auction, frame-damage or U.S. total-loss indicators will be limited to liability coverage.

Vehicles identified as crash-test vehicles or having fire, flood or scrapping histories will remain ineligible. Vehicles reported as stolen will also remain ineligible, while those marked as recovered from theft will qualify for all coverages.

The changes replace broader rules that excluded vehicles reported stolen or recovered within the previous year, as well as vehicles with salvage or branded titles and rebuilt or total-loss vehicles.

Kin is also introducing a “Severe Problem Indicated” rating factor through a related filing. The variable will apply when new and renewal policies are quoted, but Kin will not order reports or apply the surcharge to its existing book at this time.

The changes are scheduled to take effect on September 15, 2026. Kin said the eligibility filing itself carries no rate impact.