General insurance ticket questions answered

[Skinner]

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.

[Berto]

cliffnotes?