Instafill.ai
7 days free
AI form filling · 489 fields · 1 page · done in seconds

Yes! You can use AI to fill out ACORD 163, Commercial Auto Driver Information Schedule

Don't type 489 fields by hand. Tell our AI about yourself, or upload your driver's license, and it fills every field in seconds. You check it, then download, print or sign.

7 days free, then $19.99/month · Cancel anytime
AI fills it, no typingEncrypted, never used to train AICancel in two clicks
ACORD 163, Commercial Auto Driver Information Schedule, page 1
Complex · 64/100Form Complexity Index

The AI does the filling. You just check it.

No typing into boxes, nothing to install.

Tell the AI about youAnswer a few questions in plain words, or upload your driver's license. That is all the typing there is.
AI fills every field in secondsIt puts each answer in the right box on every page, checkboxes included.
Check it and downloadReview every field, change anything, then download, print or sign the PDF.

What this form asks for

The AI fills all of it, from your answers or your documents.

ACORD 163 is a standardized insurance form used by businesses to provide detailed information about all individuals who will be driving company vehicles. This includes employees, family members, and anyone else who might operate a vehicle on company business, which is essential for the insurer to accurately assess risk and determine policy premiums. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields489
Pages1
Form Complexity IndexComplex, 64/100

The AI checks your answers before you download

12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Driver Record Completeness

This check ensures that if a driver's name is entered in a row, all other mandatory fields for that driver (e.g., Date of Birth, License Number, License State) are also completed. This is critical for underwriting, as a partially filled record is unusable for risk assessment. If validation fails, the system should flag the incomplete driver row and prevent submission until the required information is provided.

Valid Date Format (MM/DD/YYYY)

Verifies that all date fields, including 'Policy_EffectiveDate_A', 'Driver_BirthDate_*', and 'Driver_HiredDate_*', adhere to the MM/DD/YYYY format. This consistency is crucial for accurate age calculations, policy term enforcement, and data processing. A failed validation would prompt the user to correct the format before the data can be accepted.

Driver Minimum Age Verification

Calculates the driver's age based on the 'Driver_BirthDate_*' and checks if they meet the minimum legal driving age (e.g., 16 years old). This is a fundamental underwriting rule to ensure the driver is legally allowed to operate a vehicle. Submissions for underage drivers must be rejected or flagged for immediate manual review.

Logical Hire Date

Ensures the 'Driver_HiredDate_*' is chronologically after the driver's 'Driver_BirthDate_*'. This is a basic sanity check to prevent impossible data entry errors, such as a hire date that precedes the driver's birth. If the hire date is not after the birth date, the entry should be flagged as a logical error.

Driving Experience Consistency

This validation compares the 'Driver_ExperienceYearCount_*' against the driver's age calculated from 'Driver_BirthDate_*'. The years of experience cannot exceed the driver's age minus the minimum licensing age (e.g., Age - 16). This prevents exaggerated or fraudulent experience claims, which heavily impact risk rating, and would require correction if an inconsistency is found.

Valid Social Security Number Format

Checks that the 'Driver_TaxIdentifier_*' (Social Security Number) field, if provided, follows the standard ###-##-#### format or consists of 9 digits. Correct formatting is essential for identity verification and running Motor Vehicle Reports (MVRs). An invalid format would trigger an error, asking the user to re-enter the number correctly.

And 6 more checks
  • Valid State Abbreviation
  • Valid Postal Code Format
  • License Number and State Co-dependency
  • Logical Licensed Year
  • Vehicle Use Percentage Range
  • NAIC Code Format Validation

Let AI fill out your ACORD 163

No typing. Every field filled in seconds, checked, ready to sign.

7 days free, then $19.99/month · Cancel anytime

How to Fill Out ACORD 163 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the ACORD 163 form.
  2. Provide the basic policy details, including the Named Insured, Policy Number, and Effective Date, in the designated header fields.
  3. For each driver, enter their full name, date of birth, gender, marital status, and address.
  4. Input each driver's license number, the state it was issued in, years of experience, and their date of hire.
  5. Specify the vehicle number each driver uses and the percentage of use, if applicable.
  6. Indicate if special coverages like 'Broaden No-Fault' or 'Drive Other Car' apply to any driver.
  7. Review all entered driver information for accuracy, then securely sign and submit the completed schedule to your insurance agent or carrier.

Common Mistakes in Completing ACORD 163

The ones the AI is built to catch.

Failing to List All Required Drivers
Businesses often mistakenly list only full-time employees, forgetting the form requires all drivers, including family members, temporary staff, and employees using personal cars for business. This oversight is a major risk, as an accident involving an unlisted driver can lead to a denied claim and direct liability for the company. To avoid this, carefully audit who drives for the business and ensure every single person is included on the schedule.
Entering an Incorrect Driver's License Number
A simple typo, like transposing digits in a driver's license number, is a frequent error that halts the underwriting process. Insurance carriers cannot pull the required Motor Vehicle Report (MVR) with incorrect information, leading to delays and follow-up requests. Always double-check the number against the physical license card; AI-powered form filling tools like Instafill.ai can also help by validating the number's format for the specified state.
Confusing 'Years Experience' with 'Year Licensed'
The form has separate columns for 'YRS EXP' (total years of driving) and 'YEAR LIC' (the year the license was first issued), which are often confused. An applicant might enter a two-digit number of years into the four-digit year field, or vice-versa. This error directly impacts the premium calculation, as experience is a key rating factor, so ensure 'YEAR LIC' is a four-digit year (e.g., 2005) and 'YRS EXP' is a total count (e.g., 19).
Using Incorrect Date Formats
The form specifies an MM/DD/YYYY format for dates like 'Date of Birth' and 'Date Hire', but users often default to other conventions (e.g., DD-MM-YY). This causes data entry failures in the carrier's system, delaying the application until the information is corrected and resubmitted. Using an intelligent form filler like Instafill.ai can prevent this by automatically formatting dates correctly as you type, ensuring compliance and smooth processing.
Using Nicknames Instead of Full Legal Names
Entering an informal name like 'Dave' instead of the legal name 'David' will cause a mismatch when the insurer attempts to verify the driver's identity. This prevents the system from finding the driver's MVR and other records, stopping the application process until the name is corrected to match the government-issued ID. To avoid delays, always use the full legal name as it appears on the driver's license.
Leaving Coverage Selection Columns Blank
Applicants often skip the 'BROADEN NO-FAULT' and 'DRIVE OTHER CAR' columns because they are unsure what these coverages mean. Leaving them blank creates ambiguity and may result in the driver not having crucial protection, such as coverage when renting a car for business. It is essential to discuss these options with your insurance agent to understand their purpose and make an informed choice for each driver on the schedule.
Inaccurate Vehicle Assignment or Usage Percentage
The 'VEH #' and '% USE' columns are frequently filled out with guesses or left incomplete, especially if vehicle assignments are fluid. Since premiums are tied to the specific vehicle and the driver's exposure to it, this inaccurate data leads to incorrect rating. To ensure accuracy, cross-reference an official vehicle list and provide a good-faith estimate of the percentage of time each driver uses the assigned vehicle.
Omitting Critical Header Information
Key identifiers at the top of the form, like the 'Policy Number' and 'Named Insured', are sometimes left blank by the person completing the schedule. Without this information, the document is 'unattached' and cannot be processed or linked to the correct client account by the carrier. This simple omission can cause the entire submission to be lost or rejected, so always ensure the header is fully completed.
Incomplete or Inaccurate Driver Address
The 'CITY, STATE AND ZIP CODE' field for each driver is sometimes entered partially or with errors, such as a wrong zip code. This information can be used for rating territories and verification, and inaccuracies can affect premiums or cause processing flags. Since this form is often a non-fillable PDF, manual entry increases the chance of error; tools like Instafill.ai can convert it to a fillable version and use auto-completion to ensure addresses are accurate.

Frequently Asked Questions About ACORD 163

 

Is it really free for 7 days?
Yes. You pay $0 today. Cancel before Nov 18 and you are never charged. Keep it, and it is $19.99 a month for 5 fills of your ACORD 163.
Can I fill other forms too?
This plan is for your ACORD 163: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
How do I cancel?
From your account, in two clicks, any time. No email, no call.
How does the AI fill out ACORD 163?
You answer a few questions in plain words, or upload your driver's license. The AI reads what you give it and puts each answer into the right field of ACORD 163, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is ACORD 163 to fill out?
ACORD 163 has a Form Complexity Index of 64 out of 100, in the complex tier: 489 fillable fields across 1 page. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Commercial Auto Driver Information Schedule (ACORD 163)?
This form is used to list all drivers who need to be covered under a commercial auto insurance policy. The insurance company uses this information to evaluate risk and calculate the policy premium.
Who needs to be listed on this form?
You must list all individuals who will operate company vehicles, including employees and any family members. You should also list any employees who use their own personal vehicles for company business.
What information do I need to provide for each driver?
For each driver, you'll need their full name, date of birth, driver's license number and state, and date of hire. You may also need their address, marital status, and years of driving experience.
Do I have to provide the driver's Social Security Number?
While the form has a field for it, providing a Social Security Number may be optional depending on the carrier and state regulations. It is often used to obtain a Motor Vehicle Report (MVR) to verify driving history.
What is the difference between 'YRS EXP' and 'YEAR LIC'?
'YRS EXP' refers to the total number of years the person has been a licensed driver. 'YEAR LIC' is the specific year the driver first obtained their driver's license.
What do the 'DRIVE OTHER CAR' and 'BROADEN NO-FAULT' columns mean?
These refer to specific, optional insurance coverages. 'Drive Other Car' provides coverage for employees who drive company cars but don't own a personal vehicle, while 'Broadened No-Fault' expands personal injury protection; consult your agent to see if they are needed.
What should I enter for '% USE' and 'VEH #?
'% USE' is the percentage of time the driver uses a specific company vehicle. 'VEH #' is the number assigned to that vehicle on your policy's vehicle schedule, linking the driver to the primary vehicle they operate.
What if I have more drivers than there are spaces on the form?
If you have more drivers than will fit on a single page, you can simply use additional copies of the ACORD 163 form. Number the pages and submit them all together with your application.
Where do I submit this form?
This form should be submitted to your insurance agent or broker as part of your commercial auto insurance application or renewal process. They will forward it to the insurance carrier.
Can I use an AI tool to help fill out this form?
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields with your saved driver information, which can save significant time and help prevent errors.
How can I fill out the ACORD 163 form online?
You can easily fill out this form online using Instafill.ai. Just upload the form, and the platform will make all the fields interactive for you to complete, save, and share securely.
The PDF version of this form I have is not fillable. What can I do?
If you have a non-fillable or 'flat' PDF, you can upload it to a platform like Instafill.ai. Their technology can convert it into an interactive, fillable form that you can complete on your computer.
Encrypted in transit and at restNever used to train AIDelete your forms any time

Get your ACORD 163 filled out by AI

$0 today. Cancel before Nov 18 and you pay nothing.

Other forms like this one

ACORD forms: ACORD 84, Dwelling Fire Application (2013/09), ACORD 140 (2014/12), Property Section (Attach to ACORD 125), ACORD 36, Agent/Broker of Record Change, ACORD 131, Umbrella / Excess Liability Section, ACORD 125, Commercial Insurance Application and ACORD 143, Transportation Section, ACORD 125, Commercial Insurance Application, ACORD 125, Commercial Insurance Application, Applicant Information Section, ACORD 27, Evidence of Property Insurance, ACORD 24, Certificate of Property Insurance, ACORD 28, Evidence of Commercial Property Insurance, ACORD 141, Commercial Insurance Application - Crime Section, ACORD 140, Property Section, ACORD 80, Homeowner Application, ACORD 82, Watercraft Application, ACORD 85, Mobile Home Application, ACORD 160, Property Loss Notice, ACORD 75, Insurance Binder, ACORD 83, Personal Umbrella Application, ACORD 137 CA, Commercial Auto Application - California, ACORD 81, Personal Inland Marine Application (2012/02)

commercial insurance forms: Habitational Risks Supplement Application Form, Record of Advice and Needs Analysis (Non-Life Insurance — Personal and Commercial Lines), ACORD 125, Commercial Insurance Application and ACORD 143, Transportation Section, ACORD 125, Commercial Insurance Application, ACORD 125, Commercial Insurance Application, Applicant Information Section, Evidence of Commercial Property Insurance, ACORD 127, Business Auto Section, ACORD 137 CA, Commercial Auto Application - California, ACORD 140, Property Section, ACORD 155, Equipment Breakdown Section, ACORD 141, Commercial Insurance Application - Crime Section, ACORD 159, Business Income Worksheet, ACORD 175, Commercial Policy Change Request, ACORD 28, Evidence of Commercial Property Insurance, ACORD 129, Vehicle Schedule (2009/11), ACORD 139, Statement of Values, ACORD 152, Commercial Inland Marine Section, ACORD 185, Restaurant/Tavern Supplement, ACORD 810, Business Income / Extra Expense / Rental Value, ACORD 131, Umbrella / Excess Section

7 days free, then $19.99/month · Cancel anytime