SAFE DRIVER PROGRAM

Driver information must be submitted to and evaluated by American Country Insurance Company (ACIC) prior to binding coverage and /or hiring a driver.  Complete driver information consists of the operator’s full name, date of birth, driver’s license number, and state where license was issued.  If the MVR is not provided at the time of the submission, ACIC will obtain the MVR to determine acceptability.  For risks with over 50 drivers, a 25% sample of MVR’s may be accepted prior to quoting, but the remaining MVR’s must be evaluated within 5 days of binding.

Motor Vehicle Reports/Driving Records
The following should be used as a guideline only and should not replace sound underwriting judgment.

1. Operators must be in possession of a valid driver’s license issued from the state in which the named insured operates.
2. Operators must possess the proper license classifications and endorsements relative to the line of business and/or vehicles they operate (i.e. Chauffeur’s license and CDL’s for capacities greater than 15 passengers).
3. Operators should have 3 years documented professional driving experience.  Without 3 years experience, we impose a minimum driving age of 23.  Drivers 70 years or older will be asked to provide a physician’s statement documenting acceptable physical condition for the job duties.
4. Operators should not have more than six (6) points in the past three (3) years or four (4) points in the past twelve (12) months.  Points will be assessed as follows:

Violation and Point Schedule
Licensed less than 3 years                                                                        Not Acceptable
At fault accident in past 12 months                                                          4 points
Each additional At Fault accident                                                             3 points
Speeding 1-14 mph above limit                                                                2 points
Speeding 15-30 mph above limit                                                             3 points
Minor violations                                                                                           2 points
Equipment violations/Defective Equipment                                            2 points
Seat Belt violations                                                                                     ½ point
Major violations                                                                                           6 points
Driving too fast for conditions                                                                   2 points
Speeding more than 10 mph over posted limit in a school zone       3 points

5. Automatic Unacceptable Drivers:

DUI/DWI in the past 5 years                            Speeding greater than 30 mph above limit
Negligent/Reckless Driving                             Fleeing and Eluding
Hit and Run violations                                      Felony involving a motor vehicle
Vehicular Homicide, Manslaughter, or Assault while operating a motor vehicle
Lending operator, chauffeur, or motor vehicle registration to another

6. Minor Violations include

Disregarding traffic control device                               Lane violations

7. Major violations include but are not limited to:

Driving during a suspension or revocation                 Racing
Careless operation of a motor vehicle

8. Suspensions due to not making Child Support Payments must be cleared up by the driver.  They are not moving violations and should not be assessed points, but the driver should not be approved until he has cleared up his suspension with the DMV.

 

Points for violations not specifically listed above will be applied at the underwriter’s discretion.  The company retains the right to refuse any operator and/or affiliate should they qualify under the above criteria but other circumstances may render them unacceptable (such as administrative actions, criminal convictions, or a history as a habitual violator).