Mapfre submitted a filing in Connecticut on October 7, 2025, to revise the underwriting guidelines for its GEAR Personal Automobile program, effective January 1, 2026, for both new and renewal business. The updated eligibility criteria address vehicle use, vehicle make, and driver incident history, with the revised guidelines replacing those filed under SERFF tracking number AMEC-134455586.

The new rules identify unacceptable risks, including high-profile individuals without prior approval, drivers licensed for fewer than 36 months, and those convicted of insurance fraud. Agents are instructed to review the “Unacceptable Risks” list before quoting or binding coverage, particularly where incorrect garaging addresses or marital status information is provided.