Fewer than 4 losses with total liability under $25,000 An applicant is eligible if they have fewer than 4 liability losses AND total liability payouts under $25,000 in the past three years.
An applicant is not eligible if they have:
4 or more liability losses, OR
Total liability losses of $25,000 or more
What counts as a liability loss?
Bodily injury (BI) payouts on home or auto policies
Third-party property damage payouts on home or auto policies
Note: The 3-year lookback period is calculated from the date of loss, not when the claim was reported or closed.