Eligibility Guidelines – Driver History
Underwriters are available to review risks that fall outside of eligibility requirements.
| Incidients | Eligibility | ||
|---|---|---|---|
| Major Violations* | All Operators | 0 to 5 Years | No major violations |
| Minor Violations and At-Fault Accidents | All Operators | 0 to 3 Years | No violations or at-fault accidents |
| Household | 3 to 5 years | Multiple incidents – discuss with underwriting | |
| Other Incidents* | Household | 0 to 5 years | Multiple incidents – discuss with underwriting |
| *Other Incidents: Driver- and vehicle-related citations and paid claims that do not fall under another category. 6/1/2018 |
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Operators: All rated and nonrated household members that are currently or were previously licensed.
Incidents: Driving- or vehicle-related occurrences that are considered in the risk evaluation process.
Major Violations: The following violations are considered major violations by the company: improper use of a cell phone, texting while driving, or other similar distracted driving violations; careless or reckless driving; hit and run; leaving the scene of an accident; driving under the influence of alcohol or any chemical including “implied consent”; open bottle; any alcohol, controlled substance, or drug-related violation; driving without insurance; driving after license suspension or revocation; a no-fault conviction; a school bus violation; any misdemeanor violation; a felony involving the use of a motor vehicle; or any similar serious conviction.
At-Fault Accidents: Any driving-related accident for which payment was made under Bodily Injury, Property Damage, and / or Collision, unless the applicant can provide documentation showing they were not at-fault.
Other Incidents: Driver- and vehicle-related citations and paid claims that do not fall under another category.
Additional Considerations:
- The severity of a loss, status of a claim, and frequency of certain citations such as seatbelt violations, other than collision (comprehensive) losses, and / or towing claims may impact coverage or deductible availability. Please contact an Underwriter to discuss any account that you question.
- Any operator, except those with parental support, that has a valid U.S. driver’s license must have three years of driving experience.