Underwriting

3. This is obtained at new business for all applicants and at every third renewal.
5. If the registered owner is someone other than the named insured, we must do this to the registered owner.
9. This many years is the experience period for major violations.
10. If I buy a new or used car, I have this many days to register the car in my name.
12. This is the U/W report that's maintained by the state driver's license bureau.
14. A household with three of more operators can have no more than this many incidents.
15. This type of vehicle is over 10 years old and is of historic interest.
16. Running a stop sign is categorized as this type of violation.
17. This type of vehicle is over 25 years old and has been restored.
18. This is 36 months.
19. By definition, this includes an at-fault accident, and each major and minor violation.
20. Antiques and Classics can't exceed this many miles annually.
21. Drivers must be able to furnish this many years of driving experience to qualify as an applicant.
22. The third character in the driver classification code, "M", would stand for this.
24. Foreign drivers must have this many years of a US driving record + 1 year of foreign driving experience.

1. No more than one of these can be rated on any one vehicle on the policy; this spreads out the risk to ensure we're collecting enough premium.
2. A driver classified with the fist two characters "E5" is this many years old.
4. This, by definition, is a utility vehicle of the van type which is equipped with sleeping and cooking facilities.
5. This system houses all of the underwriting rules.
6. Rule 101 outlines these.
7. This operator drives the vehicle more than 50% of the time.
8. These kinds of trailers are not acceptable.
11. RVs and motor homes will be rated for this kind of vehicle use.
13. This operator drives the vehicle less than 50% of the time.
15. This report will provide us with accident details, such as the fault indicator.
20. This allows us to offer premiums that are more competitive and a rate structure for a wide range of applicants.
23. This many hundred is the threshold for chargeable accidents.