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 violation 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 Auto. Contact your Underwriter to discuss eligiblity.
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 three 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 cellphone, 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.
Nonchargable:
Equipment violations and nonmoving 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 three years of driving experience.