Vehicle Ownership
These vehicle owners (not the named insured) can be added to the policy and listed as having their own insurance without proof.
Who are parents, parent-in-laws, and grandparents?
This location cannot be bound because it cannot be rated for.
What is a moving location such as a camper van or RV where the applicant does not have a permanent address or if the applicant resides in their vehicle?
These people are too young to be the named insured (unless they are emancipated *except in WA.)
Who is an applicant under the age of 18 (except in ID, MT, and UT?)
This common gig vehicle use is unacceptable if the applicant is using any of their vehicles for it even if we are not quoting that vehicle.
What is ridesharing? We need proof that the vehicle used for ridesharing has other insurance before we will bind the policy.
This must always be started so that it can be group rejected or incompleted and documented if the applicant gives you underwriting information that means that we cannot write them a policy.
What is the application?
For the purpose of the application, these people are considered immediate family members, and we can insure the vehicle if they are the sole owner and the applicant is not.
Who are spouses, children, siblings, parents, grandparents, grandchildren, mother-in-laws, father-in-laws, son-in-laws, daughter-in-laws, sister-in-laws, brother-in-laws, step-parents, step siblings, step children and adopted children?
This location is acceptable as long as the applicant is residing there for 3 months or more. If less than 3 months, GR.
What are hotels, motels, airbnbs, etc?
These people cannot be the named insured simply to attempt to get a lower rate.
Who are the parents or grandparents of children that primarily drive the vehicle(s) that they are not financially responsible for?
These states have laws prohibiting adverse action by insurance companies for vehicle sharing, meaning the policy can be written despite the applicant renting their car out using apps such as Turo.
What is CA, OR, and WA?
This is not required to quote the vehicle but is required to bind the policy.
What is the VIN?
These family members are not considered immediate family, and we cannot offer insurance on a vehicle solely owned by them.
Who are uncles, aunts, nephews, nieces, and cousins?
This location is to be used if the applicant is moving within 30 days and knows their new address.
What is the new address?
This named insured does not need a US driver's license and does not need to acquire one within a specific timeframe.
What is an applicant in CA with an active foreign or international driver's license?
This is the use one would select if the applicant works from home but drives their child to school.
What is commuting?
These are critical pieces of underwriting information and cannot be skipped on the first page of the application.
What is the first and last name, DOB, and zip code?
These people can co-own the vehicle with the named insured, and we can write the policy as long as they are listed as Active (or Excluded, depending on the State) until we get proof of other insurance.
Who is anyone?
This location is to be used if the applicant is moving within the policy term but more than 30 days.
What is their current address?
This spin-off named insured's credit cannot be run by their parents or grandparents whose policy they are coming off of if they are not there to read the credit statement to.
Who is a named insured in OR?
If no other exposure exists that would cause you to reject the application, this is the use you would select if the applicant visits multiple job sites per day.
What is business use?
These registered vehicle owners must be solely or partially owned by the named insured.
What is a business or corporation?
These people are the only main drivers (other than children) who would be listed as an additional driver and they must be made co-insured.
Who are people whose significant others are the sole owner of the vehicle on a single-vehicle policy?
In order to be rated in this state, the vehicle must be registered there.
What is Nevada?
These named insureds should be reviewed by a supervisor prior to binding.
Who is a named insured who is unlicensed but has a vehicle and is driven by someone who does have an active license?
The amount of miles you would estimate that the named insured drives for an NNO policy in CA.
What is 3000 miles?
These letters are never in a VIN.
What is I, O, and Q?