Driver and unit schedule updates, checked against the current schedules before your account manager sends anything.

Today the list comes from a safety manager, or straight from an owner's phone, as an email, a spreadsheet or a photo of a yard sheet. Someone opens the vehicle and driver schedules for the auto liability and physical damage policies, finds each unit by VIN or unit number, finds each driver, and works out what is really new, what is already on, and what can't go to the insurer yet.

In the proof of concept, AI reads that list against the schedules as they stood that day. Every line gets marked add, delete or no change. Duplicates get flagged, each VIN's format gets checked, stated values and dates get compared, and it drafts the endorsement request with a short list of what your account manager still has to chase. Nothing leaves for an insurer. Each draft sits beside what your desk actually sent, for your reviewer to mark.

A VIN can be checked before anyone calls the fleet. Federal VIN rules make position nine a check digit, there to verify that the number was copied correctly, and they bar the letters I, O and Q, so a line with an O where a zero belongs fails on its face. Trailer VINs code their own attributes: make, type of trailer, body type, length and axle configuration. The draft reports each VIN's check-digit result and lists any it can't confirm, so nobody fills in a digit from a blurry title photo.

A CDL reads as three lists of letters. The license shows a group, A for combination, B for heavy straight and C for small vehicle, then endorsements such as H for hazardous materials, N for tank vehicle and T for doubles or triples, then restrictions such as K for intrastate only, O for no tractor-trailer and E for no manual transmission. N means tank vehicle in one list and no Class A and B passenger vehicle in the other, so a letter only makes sense in its own column. The issue and expiration dates matter too. With identity removed, those codes are still enough for your reviewer to see whether a draft asked why an intrastate-only driver joined an interstate schedule.

A new hire may not have a motor vehicle record yet. Part 391 asks the carrier to query each state that licensed a driver in the prior three years within 30 days of the date employment begins, so a driver on this week's list may not have a record in the file yet. The draft marks that as missing rather than assuming a record exists.

A leased unit brings its own paper. Federal leasing rules make an owner-operator's lease say who provides insurance beyond the public liability the carrier has to keep, bobtail coverage being the rule's own example, and what any charge-back will be. If the owner-operator buys that insurance through the carrier, the lease has the carrier hand over a certificate showing the insurer, policy number, dates, amounts, cost and deductible. The draft asks for that page on a leased unit, because a physical damage or non-trucking line may sit on someone else's policy.

Schedules have a shape, and deletes need a story. Longer fleets spill onto the ACORD 129 Vehicle Schedule and the ACORD 163 Commercial Auto Driver Information Schedule. ISO's Motor Carrier Coverage Form sets covered auto symbols coverage by coverage, so liability can apply to any auto while physical damage applies only to the autos described, and that split affects which lines of an email need an endorsement at all; the draft notes it and leaves the decision to your account manager. A delete needs a date and a reason: sold, returned to a lessor, totaled. Your reviewer will watch for one truck listed under both a unit number and a VIN, a stated value that dropped with no paper behind it, a loss payee left on a unit that is gone, and a fleet count that disagrees with the public MCS-150, which is only required every 24 months.

Once your reviewer says yes, new lists from the same kinds of fleets go through the same check for about 30 days.

Your account manager reviews every draft, decides what to ask the fleet, and sends the endorsement request to the insurer. The AI sends nothing and tells no one a change is in place.

Marking continues on the live lists the same way, and a further job is a separate decision with its own price.