California Code of Regulations
Title 10 - Investment
Chapter 5 - Insurance Commissioner
Subchapter 4.7 - Private Passenger Automobile Rating Factors
Article 4 - Good Driver Discount Policy
Section 2632.13.1 - Eligibility to Purchase Good Driver Discount Policy

Universal Citation: 10 CA Code of Regs 2632.13.1

Current through Register 2024 Notice Reg. No. 12, March 22, 2024

(a) In determining eligibility to purchase a Good Driver Discount policy, the requirement that the driver have been licensed to drive a motor vehicle for the previous three years shall mean that the driver has been licensed to drive in any jurisdiction.

(b) This subsection clarifies the application of Insurance Code Subsections 1861.025(b)(1), (3) and (d), criteria for eligibility for a Good Driver Discount policy. All other eligibility criteria for Good Driver Discount policies that are provided in Insurance Code Section 1861.025 shall also be followed.

(1) Subject to the prohibitions of Insurance Code Sections 488 and 488.5, the insurer may assign one violation point for each violation point that the California Department of Motor Vehicles has assessed under California Vehicle Code Subsections 12810(a), (b), (c), (d), (f), (i)(1), and (j) for traffic violation convictions with conviction dates not more than three years preceding the effective or renewal date of the policy, and which have not been made confidential under the California Vehicle Code;

(2) For violations not occurring in California, the insurer may assign one violation point for each violation point which would have been assessed under subsection (b)(1) above had the violation occurred in California. Violation points shall not be counted pursuant to this Subsection if violation points were counted for the violation pursuant to Subsection (b)(1) above;

(3) For accidents, the insurer shall do the following to determine eligibility for the Good Driver Discount policy:
(A) Assign one violation point for each accident that a driver has been involved in during the previous three years for which the driver was principally at-fault that resulted only in damage to property pursuant to section 2632.13(b), or

(B) Determine that the driver is ineligible to purchase a Good Driver Discount policy if, during the previous three years, the driver has been involved in an accident for which the driver was principally at-fault that resulted in a death or bodily injury.

1. New section filed 3-16-2011; operative 12-11-2011 (Register 2011, No. 11). For prior history, see Register 94, No. 34.
2. Change without regulatory effect amending subsections (b)(3)(A)-(B) filed 7-14-2021 pursuant to section 100, title 1, California Code of Regulations (Register 2021, No. 29). Filing deadline specified in Government Code section 11349.3(a) extended 60 calendar days pursuant to Executive Order N-40-20.

Note: Authority cited: Sections 1861.02, 1861.025, 12921 and 12926, Insurance Code; and Calfarm Insurance Company v. Deukmejian 48 Cal. 3d 805 (1989). Reference: Sections 488, 488.5, 1861.02 and 1861.025, Insurance Code; and Section 12810, Vehicle Code.

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