Eligibility Guidelines – Driver History
| Incidents | Eligibility | ||
|---|---|---|---|
| Major Violations | All Operators | 0 to 5 years | No major violations |
| Minor Violations and At-Fault Accidents | Single Car Risk | 0 to 1 years | No minor violations or at-fault accidents |
| 2 to 3 years | No more than one minor violation or at-fault accident | ||
| Multi Car Risk | 0 to 1 year | No minor violations | |
| 1 to 2 years | No more than 1 minor violation | ||
| 2 to 3 years | No more than 1 accident | ||
| Total Incidents | Single & Multi Car Risk | 0 to 1 year | No incidents |
| Single Car Risk | 2 to 3 years | Maximum of 1 incident | |
| Multi Car Risk | 2 to 3 years | Maximum of 2 incident2 | |
| Additionally, we may review incidents in years 4-5 in conjunction with incidents in years 1-3 in cases where frequency is shown | |||
| 6/1/2018 | |||
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 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
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.