Claim and Violation Eligibility

Signature Auto No moving violations or at-fault accidents in three years No major violations in five years No more than one claim or accident that does not exceed $1,000 in three years* * Policies with one glass claim that exceeds $1,000 may be eligible for Signature. Contact your underwriter to discuss eligibility.
Select Auto One minor driving violation per driver and one at fault accident per household in the last three years More than one minor driving violation per driver, more than one at fault accident per household, and major driving violations over 3 years old may be accepted; refer to underwriting prior to binding coverage

Operators: All rated and nonrated household members that are currently or were previously licensed are considered in eligibility
Incidents: Driving- or vehicle-related occurrences that are considered in the risk evaluation process
Major Violations: The following violations are considered major violations: improper use of 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, and vehicles that fall through ice on bodies of water unless the applicant can provide documentation showing they were not at-fault
Non Chargeable: Equipment violations and non-moving violations
Other Eligibility: 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 3 years of driving experience.