Major violations include reckless driving, DUI, hit and run, excessive speeding, and other serious offenses with significant legal consequences:
Driving while suspended or revoked
Reckless driving
Driving wrong side/divided highway
Evading officer/reckless driving
Reckless driving/causing bodily injury
Explosives transportation
Speed contest/exhibition of speed (including aiding or abetting)
Hit and run (with or without injury)
Speed over 100mph
Manslaughter (with or without gross negligence)
Alcohol/Drug related violations including but not limited to:
DUI (including both dangerous drugs not narcotics, alcoholic beverage and/or drugs)
DUI/BAC 0.04% or more/commercial vehicle
Minor driving w/ BAC of 0.05% or more
For major violations, the date the violation occurred is used for the look back period.
How are drivers with major violations handled?
Eligibility depends on when the major violation occurred:
Within the past 3 years: Drivers are not eligible.
Between years 3 and 5 of the lookback period: Single occurrence DUIs are considered at underwriting discretion.