Ok seems like about once a month people have questions about insurance points tickets and what have you. Since i work for nationwide I figured I would for some info out there for everyone and save them the time of putting up a post.
tickets
all ticket are held by the state for 2 years for all violations. (CPD can see every violation you have ever had from 16 on to your current age)
Insurance companies will charge a minor violation for 3 years (speed) and a major violation for 5 (reckless op).
insurance company placement
Now this is nationwide specific info so it may vary from company to company but is will give you a basic idea of what ins companies look for for policy placement
standard company placement guidlines
At-Fault Accidents (AF)(0 - 35 months) No more than 1Prior Nationwide Nonstandard: 0 in past 12 mo - Closed w/o Payment also Ineligible)
Minor Violations (MV)(0 - 35 months) No more than 2
Combination of Accidents& Violations(0 – 35 months) No more than 1 AF and 1 MV(Prior Nationwide Nonstandard: Eligible only if Accidents/Violations are 13-35 mo old)
Not-At-Fault Accidents (NAF) (0-35 months) No more than 3 if no MV or AFNo more than 2 if any at fault accidents or minor violations(Prior Nationwide Nonstandard: 0 in past 12 mo - Closed w/o Payment is Eligible)
Driving Experience No more than 3 if no MV or AFNo more than 2 if any at fault accidents or minor violations(Prior Nationwide Nonstandard: 0 in past 12 mo - Closed w/o Payment is Eligible)
Prior Insurance Proof of continuous coverage for at least 6 months required. (Continuous coverage is defined as no lapse in coverage)Nationwide Nonstandard, proof of continuous coverage for at least 12 months required (no lapses)
NSA to Standard Movement Customers w/ BI Limits 50/100 and Above Flex Guidelines: Any Nationwide Nonstandard Policy that meets the following criteria will be eligible for the Mutual or Mutual Fire Companies after 6 months if:1. The policy must have had liability limits of at least 50/100 for the entire 6-month period.
2. The policy must be accident and/or violation free for the most recent 12-month period. Exception: We will allow up to 1 comprehensive or unattended collision claim. Towing and labor claims are also not counted under the accident and violation criteria above.
3. The policy must have been continuously inforce with no lapses during the last 6 months.
Comprehensive and Unattended Collision Losses (applies at policy level)*Does not include T&L(0-35 months) No more than 2 per policy (Comprehensive and unattended collision losses will only be considered when the total claim payment is equal to or greater than $400)
NOTES:
· All accident/violation limitations apply on a per driver basis unless otherwise noted as a policy level criterion.
· Drivers within the same household may not be split between Nationwide Nonstandard and Nationwide Mutual/Mutual Fire.
· Prospects who do not qualify may qualify to be written in Nationwide Nonstandard.
· All accidents will be considered At-Fault (AF) unless validation in the form of a police report or letter from the prior carrier validates the accident is Not-At-Fault (NAF).
· Not-at-fault accidents with an uninsured motorist will not be counted as a not-at-fault occurrence.
· Multiple comprehensive losses as a result of a single storm will be considered as one occurrence.
· Customers transferring from Nationwide Nonstandard must show proof of continuous coverage for at least the previous one year (with no claims or lapses in coverage). Note Flex guideline for customers w/ BI limits => 50/100 for exception
· If any driver in the household requires an SR22 filing, the policy will not be eligible for the Nationwide Mutual/Mutual Fire Company.
· If any driver in the household has an unverifiable driving record, the policy will not be eligible for the Nationwide Mutual/Mutual Fire Company.
· This company placement chart will be used in combination with the insurability guidelines for eligibility determination
Nonstandard company place ment guidelines.
At-Fault Accidents (AF) No more than 3 in the last 35 months (per car/per driver)
Total Accident (At-Fault and or not At-Fault) (0-35 months) No more than 5 total in the last 35 months (per car/per driver) No more than 10 per policy in the last 35 months
Minor Violations (MINV) (0-35 months) no restrictions at this time
Major Violations (MAJV) (INcluding Acohol related Offenses) (0-35) No more than 2 in the last 35 months (per car/per driver)
Driver Class NO age restrictions All persons in household of driving age must be rated or excluded.
Notes:
1. All accident/violation limitations apply on a per car/ per driver basis.
2. all individuals who are of eligible driving or permit age and are a household member and or have regular & frequest access to the insured vehicles must be rated or excluded
3. Refer to rating manuals for list of major violations.
4. Subject to sub-limits of other categories in the matrix
5. Unable to use UM-NAF and law/emergency personnel for tiering. All other NAFs can be used.
Here is a list of all Accidents and Violations and Occurrances for all states.
Accident/Violation Code Mapping
CSC
(NW)
Code
Incident Type Accident Description
000 O Accident CSC code applied by the system
001 O Failed Objective Standard rates for no prior liability insurance
002 A Damage to property over threshold
003 A Collision damage over threshold
004 N Not at fault moving accident – no surcharge
005 B Damage to property less than threshold
006 A Chargeable accident resulting in BI or death
007 N Other moving accident (delete phrase ‘not at fault’)
008 N Legally stopped or parked – no surcharge
009 N Not at fault
010 V* Speed less than 10 MPH over the limit
011 V Stop sign
012 V Failure to yield
013 V Red light
014 V* Speeding 66-75 in 55 MPH or over 65 MPH
015 O Inexperienced principal operator less than 1 year
016 V Operating unregistered motor vehicle
017 V Driving thru a safety zone
018 O No prior insurance, or license expired more than 1 year
019 M (V in MD, TX) Failure to report accident
020 V* Speeding 15 MPH or less
021 O Failed Objective Standard rates for adverse general information
022 V Following too closely
023 V Driving on the wrong side of the road
024 V Illegal passing
025 V* Speeding under 55 but more than 10 above limit
026 V* Speeding over 75 MPH
027 M (V in FL, MD, PA,MI, DC, TX) Passing a stopped school bus
028 M (V in MD, FL, NH, M,TXI) Implied Consent/Refused chemical test and/or 10 day revocation conviction (add word conviction)
029 M DUI/DWI
030 M (V in MD, NH, MI,TX) Illegal Possession of Alcohol/Drugs in a MV
031 A Speeding – over threshold BI, PD, or COLL
032 M (V in AR, MI) Negligent driving
033 M (V in MD, TX) Racing
034 M (V in MD, TX) Prearranged racing
035 M (V in TX) Reckless driving
036 M (V in NY, MD, TX) Being impaired while accompanying a permittee who is learning to drive
037 M (V in TX) Driving by a provisional license after consuming alcohol or drugs
039 V Failure to dim lights
040 V* Speeding more than 10 MPH over the limit
041 V* (O in AZ) Speeding 56-65 MPH when limit is 55 MPH No other chargeable
042 M (V in MD, NH*, TX) Speed conviction resulting in suspension or revocation of license
043 V* Speed 1-10 MPH over limit when limit is under 55 MPH (No other chargeable)
045 V* Speeding 56-65 in school zone when limit is 55
046 V* Speed in school zone when limit is under 55
047 V Driving too fast for conditions
048 O Defective taillight
049 V* (VS in NY) Speeding 16 MPH or more over the limit
050 M (V in TX) Felony/other severe involving use of a motor vehicle (add /other severe)
051 M (V in MI, TX) Driving while license suspended or revoked
052 M (V in NY, FL, MD,MI, TX) Using auto without owners permission
053 M (V in MD, NH, MI,TX) Lending license
054 M (V in MD, NH, MI,TX) Misrepresentation of facts on the license application
055 M (V in MD, MI, TX) Impersonating a license applicant
056 M (V in FL, MI, TX) Operation of an uninsured vehicle (delete ‘Permitting’)
057 V Driving without a valid license
059 M (V in NH, TX) Making false accident report
061 V* Speeding 66-75 MPH when limit is 65 MPH (no other chargeable)
062 M (V in TX) Reckless driv – BI/PD or COLL over threshold
064 M (V in MI, TX) Failure to stop/comply when signaled by police officer/fireman/other auth person
065 A Driving too fast with COLLISION/PD over threshold
066 A Driving too fast with BI over threshold
067 V Driving too fast with BI or PD under threshold
068 V* Speed less than 10 MPH, accident under threshold
069 V* Speed 10 MPH or more, accident under threshold
070 V Moving violation, except speeding
071 V Failure to comply with restrictions
072 M (V in TX) Death by auto-no accident (delete phrase ‘no accident’)
073 M (V in MD, NH, MI,TX) Permitting an unlicensed person to drive
074 V* Speeding
075 M (V in NH, MI, TX) Driving while vehicle registration is suspended or revoked.
076 O Failure to respond – 1533
077 M (V in NY, MD, NH, MI, TX) Accelerated Rehabilitative Disposition
078 O Proof of insurance required
080 O Operating with improper lights
081 M (V in TX) DUI/DWI with BI/PD or COLL over threshold
082 M (V in MD, TX) Hit and Run- PD Only (Delete phrase ‘pd only’)
083 M Manslaughter/vehicular homicide, assault or negligent homicide
084 O Operating with improper brakes
085 O Operating a vehicle in unsafe condition
086 M (V in MD, TX) Leaving the scene of a BI accident
087 M (V in MD, NH*, MI,TX) Speeding in excess of 100 MPH
088 V Non-moving violation (will score)
089 O Non-moving violation (will not score)
090 A Chargeable acc over threshold PD w/other moving violation
091 M (V in NY, MD, MI,TX)Violations of hazard materials or explosives
092 V Driving without lights on while wipers are being used
093 A A/O violation with collision over threshold
094 M (V in NH, MI, TX) Driving W/O lights to avoid identification or arrest
095 A A/O violation with COLL and PD or COLL and BI over threshold
096 V PD less than threshold w/other moving violation
097 A Chargeable acc resulting in BI or death w/other moving violation
098 V Disobeyed traffic device
099 O No adverse MVR
100 V Careless Driving
101 O Cancellation of license
102 N Accidents – non chargeable
103 A Accident – Chargeable
104 N At fault acc under threshold- PD/COLL under $1000 (no careful dr)
105 A 1ST at-fault accident – PD/COLL over $1000 (no careful driver)
106 A Second and subsequent at-fault accident – PD/COLL over $1000
107 O Operator in household is under suspension or revocation (license
108 O Inexperienced
109 M (V in NY, MD, NH,MI, TX)Loaning license plates or registration
110 O Per se license suspension
111 O Previous suspension
112 O (M in PA) Suspension for accumulation of points
113 O No careful driver rates
114 O Suspension for failed exam
115 V All other violation
116 O Household operator is other than clean risk
117 O Inexperienced surcharge applies
118 O Restoration of driving privileges
119 A A/O moving accident—will score
120 O Littering
121 A Chargeable accident BI or PD over threshold (Wording needs changed)
122 A Bodily injury accident over threshold (add over threshold)
123 N A/O non-moving accident, will not score
124 V* Speeding over 55 less than 75
125 V* Speeding 15 MPH over the limit
126 V A/O violation with COLLISION or PD or BI under threshold (add or bi)
127 O Serious Administrative – Registration, Titling, Licensing (will not score)
[used for company placement at new business, no surcharge will apply on renewal.]
129 M (V in NY, MD, NH,MI, TX)Serious Commercial Violations (add word Serious)
130 O Equipment Violations
131 V Motorcycle Violations
132 M (V in MD, TX) Alcohol/Chemical/Substance Offenses less than DWI
133 M (V in TX) Controlled Substance
134 B Bodily Injury less than threshold (this is a new CSC code which needs added).
135 O Temporary Code established for Colonial for violations in excess of 10.
136 V (M in AR) All Other Moving Violation
137 N NAF Moving Accident
138 N Glass Damage Only
139 S (V in NY, PA, FL; Oin AZ, GA) Seat Belt Violation
140 M (V in TX) Other major violations
141 N Not chargeable accident – Reason of Other
142 M (V in MD, PA, NH*,MI) (VS in NY, TX) Major speed
143 V* Speed 0-25 MPH Over
144 V* Speed 26-30 MPH Over
777 O Administrative - Registration, Titling, Licensing (will not score)
888 O Violation CSC code assigned by ChoicePoint when unable to map.
999 O Violation CSC code assigned by AUS.
The incident codes in the chart should be interpreted as follows:
A = At-Fault Accident Above Threshold
B = At-Fault Accident Below Threshold
M = Major Violation
N = Non-chargeable Accident (generally accident exceptions)
O = Other (not chargeable)
S = Seat Belt Violation
V = Minor Violation
VS = Serious Violation
* = Speed that can only be charged for 24 months in NH
Thats pretty much everything Is some onwants to sticky this cool if not point can always search for it.
I would say the reason you have gotten so much shit is people are getting tired of seeing you post the same stuff over and over and over. Yes you have a hard-on for IPS we all know that. If you wanted to finalize the bet you should have done it in PM's and if they didn't respond you could have called them. Once you guys had everything worked and and agreed upon they post up the details for everyone to talk about what have you. As for banning you I don't see a reason for it you talk shit and there's nothing wrong with that.