ACORD 87 (Auto ID Card Request)
The ACORD form used to request automobile insurance identification cards from the carrier.
What It Is
The ACORD 87 is used to request automobile insurance identification cards from a carrier. Auto ID cards are state-mandated proof of financial responsibility that must be carried in every insured vehicle. The form specifies the policy information, vehicle details, and the number of ID cards needed.
For personal auto, a single set of ID cards per vehicle is typically sufficient. For commercial auto fleets, the ACORD 87 may request cards for dozens or hundreds of vehicles, making batch processing essential.
The form also accommodates mid-term requests when vehicles are added to the policy or when ID cards are lost or damaged and need replacement.
Why It Matters for Brokers
Auto ID cards are one of the most frequently requested documents in a brokerage. Clients need them immediately when adding vehicles, and fleet operators need updated cards whenever the policy renews or vehicles change. Brokerages that can quickly process ACORD 87 requests and deliver ID cards electronically provide a tangible, everyday service that clients notice and appreciate. Delays in issuing ID cards can result in drivers operating without proof of insurance, which is a legal violation in all states.
Real-World Example
A delivery company adds 5 new vans to their commercial auto policy mid-term. The broker submits an ACORD 87 requesting ID cards for the 5 new vehicles, plus replacement cards for 3 existing vehicles whose cards were damaged. The carrier processes the request and the broker delivers digital ID cards to the fleet manager within 48 hours.
Common Mistakes
- 1Not requesting updated ID cards when a policy renews, leaving drivers with expired proof of insurance.
- 2Failing to verify VINs on the ACORD 87 match the endorsed policy, which can result in ID cards for wrong vehicles.
- 3Not providing ID cards for newly added vehicles promptly, exposing drivers to citations for lack of proof of insurance.
How brokerageaudit.com Handles This
BrokerageAudit automates ACORD 87 submission when vehicles are added to policies and tracks ID card delivery to ensure every insured vehicle has current proof of insurance.