A woman helps a young child put on a red rain boot as two children sit in the open trunk of a car and another adult stands nearby holding a bag.

Select Auto and Signature Auto Program Features

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.