What are modifications made to the Personal Auto Policy specific to individual states called?

Modifications made to the Personal Auto Policy that are specific to individual states are referred to as "Amendment of Policy Provisions." This term accurately reflects changes or tweaks that are made to the policy language or coverage requirements to comply with state laws and regulations. Each state may have unique requirements concerning liability limits, uninsured or underinsured motorist coverages, and other provisions that must be adhered to by insurers operating in that state.

These amendments ensure that consumers are receiving insurance coverage that meets state mandates and protects them adequately under local laws. Such modifications can be critical for maintaining compliance and ensuring the policyholder’s needs are met based on their location. This structure stands in contrast to other terms that imply a broader or different scope of changes, such as endorsements or riders, which typically add coverage or modify existing terms rather than being unique state requirements.