Driver Criteria (Motor Vehicle Records)
Generally Accepted Insurance Industry Guidelines *
Generally Accepted Insurance Industry Guidelines *
Drivers are unacceptable under the following conditions:
- One or more "Type 1" convictions in the five years prior to the date of the MVR.
- Three or more "Type2" convictions in the three years prior to the date of the MVR.
- Two or more at-fault accidents in the last three years.
- Any combination of "Type 2" convictions and any type of accident totalling three or more in the last three years.
- Driver is below the age of 21 years old.
"Type 1" Violations
Driving while intoxicated, impaired or under the influence of alcohol or drugs
Failure to stop and report an accident (hit and run)
Assault, manslaughter or homicide arising out of the operations of a motor vehicle
Driving while license is suspended or revoked
Reckless or careless driving
Speed contest, drag or highway racing
Using a motor vehicle for a commission of a felony
Operating a motor vehicle without owner's authority (grand theft)
Permitting an unlicensed person to drive
Speeding more than 20 miles per hour over the posted limit
Any other conviction of a serious nature that shows a disregard for traffic safety
"Type 2 Violations
Speeding less than 20 miles per hour over the posted limit
Driving too fast for conditions
Unsafe lane changes
Following too closely
Failing to stop for a sign or traffic signal
Equipment Violations
No license and/or proof of insurance in possesion
Any violations other than Type 1 violations
* Situational conditions sometime warrant exceptions by the insurance company.
Driving while intoxicated, impaired or under the influence of alcohol or drugs
Failure to stop and report an accident (hit and run)
Assault, manslaughter or homicide arising out of the operations of a motor vehicle
Driving while license is suspended or revoked
Reckless or careless driving
Speed contest, drag or highway racing
Using a motor vehicle for a commission of a felony
Operating a motor vehicle without owner's authority (grand theft)
Permitting an unlicensed person to drive
Speeding more than 20 miles per hour over the posted limit
Any other conviction of a serious nature that shows a disregard for traffic safety
"Type 2 Violations
Speeding less than 20 miles per hour over the posted limit
Driving too fast for conditions
Unsafe lane changes
Following too closely
Failing to stop for a sign or traffic signal
Equipment Violations
No license and/or proof of insurance in possesion
Any violations other than Type 1 violations
* Situational conditions sometime warrant exceptions by the insurance company.
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