The ACORD 36 Vehicle Schedule is attached to commercial auto submissions to list each vehicle covered under the policy. For fleets with multiple vehicles, the ACORD 36 organizes all the vehicle information that underwriters need to rate the coverage — VINs, garaging addresses, vehicle use, and the specific coverages requested for each unit.
The ACORD 36 is used with the ACORD 127 (Business Auto Section) for any account with: • Multiple vehicles requiring individual scheduling • A mix of owned vehicles with different coverage needs • Vehicles garaged at different locations • Vehicles requiring different deductibles or coverage selections • Any fleet where individual vehicle detail matters for rating
For each vehicle, the ACORD 36 collects:
• Vehicle identification number (VIN) • Year, make, and model • Body type (truck, van, pickup, sedan, etc.) • Gross vehicle weight rating (GVWR) • Garaging address (where the vehicle is kept overnight) • Vehicle use (service, commercial, pleasure) • Coverages requested: liability, comprehensive, collision, and any specialty coverages • Deductible amounts for physical damage coverages • Stated value or actual cash value election
The garaging address is where the vehicle is kept overnight when not in use — not the business address. For owner-operators or employees who take vehicles home, the garaging address is their home address.
The garaging address affects the liability rate because accidents are most likely to happen near where the vehicle is driven most. A vehicle garaged in a high-density urban area carries a different rate than the same vehicle garaged in a rural area.
Using the business address for all vehicles when some are actually garaged elsewhere is a common error that can result in premium adjustments at audit and potential coverage disputes.
Gross vehicle weight rating (GVWR) is the maximum total weight of the vehicle when fully loaded — the frame capacity, not the current weight. GVWR is important because:
• Vehicles over 10,000 lbs GVWR may require a DOT number • Commercial auto rates differ for light vs. medium vs. heavy trucks • Some carrier eligibility rules are based on GVWR thresholds
The GVWR is found on the vehicle's door jamb sticker, title, or registration.
For physical damage coverage (comprehensive and collision), agents must choose between:
Actual cash value (ACV) — the carrier pays the market value of the vehicle at the time of loss, depreciated for age and condition. Most common for standard vehicles.
Stated value — the carrier pays the lesser of the stated value or the ACV at the time of loss. Often used for specialty vehicles, vintage trucks, or equipment where ACV may undervalue the vehicle.
For financed vehicles, the lienholder typically requires physical damage coverage at replacement cost or stated value to protect their collateral.
Using the business address as the garaging address for all vehicles regardless of where they are actually kept overnight
Not collecting VINs before submission — missing VINs cause delays and may result in incorrect vehicle descriptions
Listing the wrong GVWR — particularly for trucks where the GVWR determines the rate tier
Not updating the vehicle schedule when vehicles are added or sold during the policy period
Choosing ACV for a specialty or vintage vehicle that has a market value higher than depreciated ACV
Send your client a plain-English intake link. When they finish, the completed ACORD 36 and all required companion forms are generated and ready to submit.