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Accident points
are assigned upon: |
1.
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suspension or
revocation of an operator's license; or |
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2. |
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the filing of
evidence of financial responsibility under any
Financial Responsibility Law required as of
effective date of the policy. |
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Exception:
Points are not assigned if an operator's license
was suspended because of a single conviction of:
a. failure to stop for a school bus with
flashing red lights; or
b. exceeding the maximum speed limit by 31 or
more miles per hour; or
c. when a result of one violation listed in the
Pennsylvania Laws - Section 1535. |
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The Experience Period for assignment of points
for convictions is: |
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Three years
immediately preceding the date of application or
the preparation of the renewal. |
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Accident Surcharges
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1.
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One point is
assigned for each accident for which an insured
paid a claim during the experience period, if
the paid claim meets or exceeds the applicable
dollar amount threshold described below, and if
the accident involved the applicant, the named
insured, or any resident operator while
operating an auto. |
2.
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The applicable
threshold is determined by the accident date, as
follows: |
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Dollar Threshold |
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Applies to These Accidents |
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$1,050 |
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Applies to
accidents which occurred on or after
July 1, 2002 but before July 1, 2005 |
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$1,150 |
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Applies to
accidents which occurred on or after
July 1, 2005 but before July 1, 2008 |
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$1,350 |
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Applies to
accidents occuring on or after July 1,
2008 |
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3.
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The Experience
Period shall be the three-year interval between
the date of the initial claim payment resulting
from any one accident which meets the applicable
dollar threshold, and the date of the
application or the preparation of the renewal. |
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Exceptions |
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1.
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An accident
incurred by an operator who is demonstrated
to be a named insured or principal operator of a
vehicle insured under a separate policy is not
eligible for surcharge. |
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2. |
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An accident
incurred by an operator who is demonstrated to
no longer reside in the insured's household is
not eligible for surcharge. |
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3. |
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No pointed are
assigned for accidents occurring under the
following circumstances: |
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a.
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auto operated
by the applicant or any resident operator is
struck by a "hit-and-run" vehicle, if the
accident is reported to the proper authority
within 24 hours by the applicant or resident
operator; or |
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b. |
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accidents involving
damage by contact with animals or flow; or |
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c. |
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accidents involving
physical damage limited to and caused by flying
gravel, missiles, or falling objects |
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