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Driver Eligibility Requirements:
The following rules supersede all current writing rules regarding driver guidelines. Drivers must have at least two (2) years of professional, over-the-road experience with a similar operation. Example: A driver who has hauled van freight for five (5) years decides he’s going to haul flatbed freight for the first time is not qualified. Drivers who do not meet these criteria must be submitted to the Company for consideration. Driver experience information must be provided on all new accounts as well as for drivers being added to existing policies. Current MVRs should be provided for all drivers at the time of underwriting.
Motor Vehicle Records (MVRs)
License Class: Qualified drivers must have the appropriate license class to operate scheduled vehicles.
Minor Violations
1 point violations
Improper Stop on Highway
Lane Violation
Speeding 1-15 MPH Over Limit
Traffic Control Device
Unsafe Operation of a Motor Vehicle
1 At Fault Accident
Failure to Yield
Red Light
Stop Sign
Improper U-Turn
Improper Backing or Turning
2 point violations
Speeding 16-20 MPH Over
Following too Close
Careless Driving |
Major Violations
A Major Violations (60 months)
Driving w/ Suspended-Revoked License
DUI/DWI, Drug or Alcohol Possession
False Report to Department
Fraudulent Use of Driver’s License
Hit and Run
Leaving the Scene
Homicide with a MV
Manslaughter with a MV
Passing a School Bus
Participating in Racing
Eluding a Police Officer
Railroad Crossing
B Major Violation (36 months)
Failure to Report an Accident
Failure to Stop, Aid, or Identify
Reckless Driving
Wrong Way on Highway
At Fault Accident with a Fatality
2 or More At Fault Accidents (may be referred)
Allowing Non-Licensed Operator
Speed 21+ (may be referred) |
Any Other Violations, Refer to Underwriter
Non Qualified Drivers:
- They have any A Major violation in the past 60 months.
- They have any B Major violation in the past 36 months.
- They have an accumulation of either:
- 3 or more points in the past 12 months, or
- 5 or more points in the past 36 months.
Notes:
- Violations/accidents in commercial or personal vehicles count.
- All accidents on MVRs or loss runs are considered at fault unless otherwise supported by a police report.
- The company reserves the right to determine an acceptable, insurable risk.
- The listed Company rules are meant solely as tools by which to determine insurability or acceptability of risks.
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