yes they go back 5 years all companys do all accidents and violations show on MVR/ ALHs for 5 years but they can not charge for 5 unless it is considered a major violation.
here is what Nationwide looks at when it comes to placing some in in a standard company
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)
Major Violations(0 – 60 months) 0
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 Any owner or principal operator with less than 3 years driving experience must have a rated parent or spouse in the household with three years driving experience.
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.
and this is for the nonstandard company
http://i19.photobucket.com/albums/b180/smskinner/nonstandard.jpg sounds like the agent you were working with didn't know what they were talking about or they weren't too concerned to get your business.