Select Auto and Signature Auto Program Features
Driver Eligibility
| Select Auto | Signature Auto | |
|---|---|---|
| Credit History | No public records (bankruptcy, repossession, judgments, etc.) in the last 3 years. Quoting of policy prior to Western National policy effective date | No public records (bankruptcy, repossession, judgments, etc.) in the last 5 years |
| Delivery Driver | Refer to Underwriter | Ineligible |
| Financial Responsibility Filing (SR22) | Ineligible | |
| Named Insured-Inexperienced Operator 22 and over | Eligible | Ineligible |
| Named Nonowner | Coverage available subject to Underwriter review | Coverage is not available |
| Named Insured Under 22 | Parents must have an Umialik Insurance policy or minimum three years of driving experience | Parents must have an Umialik Insurance Signature Auto policy |
| No Prior Insurance | Ineligible | |
| Any Coverage Declined or Nonrenewed | Ineligible | Ineligible |
| Roommate or Non-Rated Drivers with Major Violation or At-Fault Accident | Refer to Underwriter | |
| Suspended or Revoked Driver's License in Previous Five Years | Ineligible | |
| Transportation Network Driver | Coverage available subject to Underwriter review | Coverage is not available |