Vehicle Restrictions:
- Registered owner of the vehicle will need to be added to the policy as named insured unless the vehicle is registered to the spouse/legal domestic partner
- Vehicles with an MSRP greater than $100,000
- Vehicles with a gross weight rating (according to the manufacturer's specifications) greater than 12,000 pounds
- Any vehicles regularly available to non-listed drivers, to an extent that such availability evidences regular use of the vehicle by such persons
- Commercial vehicle types including step-vans, panel vans, parcel delivery vans, or cargo cutaway vans or other vans with cabs separate from the cargo area
- Policies where an "eligible to be rated driver" has a permanently revoked license, unless that driver is excluded from coverage
- Rental Vehicles: policies where the only vehicle on the policy is a rental vehicle rented from a rental car agency are unacceptable.
Note: This does not include vehicle-sharing arrangements or rental leases greater than 6 months. - Vehicles that are older than 1982.
- Short-Term Lease/Month-to-Month Leased/Rented Vehicles, such as Fair Vehicle Month-to-Month Lease Co.
- Vehicles must have a 17-digit VIN
- Comprehensive and Collision coverage is not available on vehicles valued below or equal to $2,500 (California Only)
Address Restrictions:
- Vehicles that do not have a permanent garaging address or have a nonresidential garaging address
- Persons residing in establishments that primarily provide lodging on a short-term basis
- Persons listing a P.O. Box as a residence
- Policies that have vehicles garaged at two different addresses and drivers in two different households, with the following exceptions:
- student or military risks (e.g., spouse of insured/unmarried child of insured)
- named insured has two different households (e.g., one permanent home and one vacation home)
- drivers who live at different addresses but all vehicles are garaged at one place
- husband/wife in the process of divorce and the vehicle is still considered community property
- Two or more private passenger automobile insurance policies written for the same household, with the following exceptions:
- Two or more private passenger automobile insurance policies written for the same household, with the following exceptions:
- children who own their own vehicle
- unrelated residents/roommates
For additional information on acceptable vehicles, please reference your state's underwriting guidelines.