California Automobile Insurance Company, part of Mercury Insurance, is seeking approval to introduce two optional coverages for its private passenger auto program in California.

The filing, submitted July 28, 2026, proposes an October 15, 2026, effective date for new and renewal business.

The new OEM parts coverage would require the use of new original equipment manufacturer parts in covered physical damage repairs. The coverage would be available for vehicles up to 10 model years old and would automatically expire at the first renewal after a vehicle exceeds the age limit.

The endorsement would not apply to total losses, tires, standard hardware or equipment not installed by the vehicle manufacturer.

Mercury is also proposing a $100 glass deductible under comprehensive coverage. The reduced deductible would apply to windshields, door windows, exterior light assemblies and glass roofs or moonroofs. Advanced driver-assistance cameras and sensors would only be covered when embedded in the glass.

The insurer is also updating its policy language addressing commercial and gig-economy use. The revised exclusions encompass ride-hailing and delivery activity, including periods when a driver is logged into a platform but has not yet accepted an assignment.

Additional changes address physical damage coverage for rented and leased non-owned vehicles and authorize the insurer to retrieve telematics, GPS and event data recorder information during claim investigations. Coverage for damage to a non-owned vehicle would be limited based on $125,000 or the insured vehicle’s actual cash value or stated amount, as specified in the policy.