AZ UW-Drivers

Question 1

Whoa, that’s a lotta points. The Max CCC points allowed in last 36 months

Answer 1

14 CCC points

*Two 6 point violations are also unacceptable

Question 2

We speak your language. Acceptable Drivers License with 15% Surcharge to BI/PD and Comp/OTC

Answer 2

International License

*Includes expired Intl DL

Question 3

‘Nuh-uh’. Unacceptable Drivers License Status

Answer 3

Revoked

Question 4

Get your act together! Must provide proof of valid DL within 10 days

Answer 4

Suspended License

Question 5

You’re not from around here are you? That’s ok. Acceptable DL without a surcharge

Answer 5

Out-of-State DL

Question 6

Require a completed Medical Statement

Answer 6

Drivers over 75 years of age

*Medical Statement template available in Forms Tab

Question 7

Registered Owner of a Vehicle who is NOT the Named Insured must be either THIS or THAT

Answer 7

Rated or Excluded

Question 8

Experience matters! Surcharge of 20% to BI/PD Coll/OTC if you’re a newbie

Answer 8

Licensed under 3 years

Temporary Drivers Permit

Question 9

We offer the ‘Gift of Exclusion’ for all HH members over this age in AZ

Answer 9

ARIZONA: All HH members over 14 must be rated or excluded.
TEXASE: 15 years or older

Question 10

A spouse must be this or that.

Answer 10

Rated or Excluded

*This includes spouses that don’t live in the household.

Question 11

NDE LIFT= Changing an Excluded Driver to a Rated Driver

Go on with yo’ bad self. You can handle NDE Lifts without calling UW if the Driver meet this criteria.

Answer 11

No 6 point violations. Active DL.
*Suspended license? 5 point violation? Call UW
*Revoked license is unacceptable
WHEN IN DOUBT-Call UW

Question 12

SR-22 Fee

Answer 12

$25 per policy period. Non Refundable

*The Insured must tell us if they want the SR-22 removed or it will be added to their policy at each renewal.

Question 13

Sent when NI wants proof of Insurance with no lapses for current policy period only

Answer 13

Insurance Verification Letter

*You complete this yourself

Question 14

Can you send Dec Page and ID cards for cancelled policies?

Answer 14

No

*Please offer Letter of Experience as an alternative.

Question 15

This letter takes 7-10 days to process and shows insurance history with CCC for present and past terms.

Answer 15

Letter of Experience

• Verify how and where LOE is to be sent.
• Please submit LOE
• UW Assistants will notify you when LOE is complete and will be available in Manage Docs to sends

Question 16

These are people who can make changes on a policy

Answer 16

NI, Rated Spouse, Agent of Record

Question 17

Drivers with Two 6 point violations in last 36 months. Acceptable?

Answer 17

No. Unacceptable Driver

Question 18

Would we accept a Driver with with One 6 point violation and One 5 point violation in last 36 months?

Answer 18

Please Call UW for approval

Question 19

Are Suspended Licenses acceptable?

Answer 19

Yes
ARIZONA: 10 days to provide proof of Valid License (technically it’s 30 days but please tell Insured 10 days)
TEXAS: Acceptable with a surcharge. Not required to provide proof afterwards of a valid license.

Question 20

If the Insured purchases a car from a private party, will UW ask to exclude the previous owner of the vehicle?

Answer 20

Yes

Question 21

Maximum Number of Drivers per Policy

Answer 21

8

Question 22

4 examples of people who CANNOT make changes to a policy

Answer 22

Rated Driver
Excluded Spouse
Significant Other
Lienholder
Financial Advisor

Question 23

Example of a 6 point CCC Violation

Answer 23

Fleeing the scene of an accident

Question 24

Example of a 5 point CCC violation

Answer 24

Driving Under the Influence (DUI)

Question 25

The past is behind you! After how many months can can we waive a past violation?

Answer 25

36 months

*Also, within 30 days of the 36th month.