Eligibility Guidelines – General

Subject	Eligibility
All-Terrain Vehicles	Minnesota – refer to company; Other states – coverage not available
Antique Autos	Refer to Specialty Market*
Campers	Premium is based on original cost new and current stated amount.
Collector Cars	Refer to Specialty Market*
Credit History	No public records in five years (bankruptcy, repossession, judgments, tax liens).
Driver	Drivers under the age of 23 require parent’s policy as supporting coverage.
Driver	All residents, dependents (licensed or not), including children away at school and / or those covered by another policy, and any regular operators, must be listed. This includes roommates.
Dune Buggies and Kit Cars	Refer to Specialty Market*
Golf Cart (licensed for road use)	See Homeowner section
Mileage	Autos driven in excess of 50 miles one way to work or school are ineligible.
Modified Vehicles	Refer to Specialty Market*
Motorcycles, Mopeds, Scooters, and Motorbikes	Minnesota – refer to motorcycle / ATV application; Other states – refer to Specialty Market*
Motorhomes	Premium charge based on stated amount; underwriting approval required for units over $120,000. Maximum value $200,000.
Newly Acquired Autos	Liability Coverage: If the newly acquired vehicle is an additional vehicle, ask to insure the vehicle within 14 days. If the newly acquired vehicle is a replacement vehicle, liability coverage is provided without asking to insure it.
Newly Acquired Autos	Physical Damage coverage: if Other Than Collision or Collision coverage already applies to at least one vehicle on the policy, Physical Damage coverage must be asked for on the newly acquired vehicle within 14 days. If Other Than Collision or Collision coverage does not apply to at least one vehicle on the policy, then Other Than Collision or Collision coverage for the newly acquired vehicle must be added within four days.
Prior Insurance	Continuous coverage required
Title / Ownership of Vehicles	All vehicles on policy must be titled to named insured, spouse, or domestic partner. Vehicles may be co-titled to parent and child.
Uber / Lyft	Coverage not available
Vehicle Age - Over 20 Years	Photo required; do not bind Physical Damage coverage.
Vehicle Condition	Vehicle must be in good condition with no preexisting damage.
Vehicle Type	Vehicles designed and constructed specifically for speed may be ineligible for coverage and must be referred to underwriting prior to binding coverage. Operators of high-performance vehicles must be 25 or older and have clean driving records. Prior approval is required for all vehicles valued over $80,000.
Vehicle Use	Vehicle Use
	Work Less than 15: Commuting to work or school three or more miles but less than 15 miles one way.
	Work More than 15: Commuting to work or school 15 miles or more one way.
	Business: Using your auto in the course of your employment, profession, or business.
	Farm: The auto is garaged on a farm or ranch, and its primary use is in service of the policyholder’s farm or ranch.
* Western National does not offer coverage specific to antique autos, collector cars, or modified autos.
1/1/2019