Accident Points Notes

At-Fault Accident points will be assigned for accidents occurring during the 36 month experience period involving our insured or any other regular operator of the motor vehicle residing in the same household. Here is how they work.

  1. Accident points are assigned upon:
    1. suspension or revocation of an operator's license
    2. the filing of evidence of financial responsibility under any Financial Responsibility Law required as of effective date of the policy.
  2. Exceptions - Points are not assigned if an operator's license was suspended because of a single conviction of:
    1. failure to stop for a school bus with flashing red lights
    2. exceeding the maximum speed limit by 31 or more miles per hour
    3. when a result of one violation listed in the Pennsylvania Laws - Section 1535

The Experience Period for assignment of points for convictions is three years immediately preceding the date of application or the preparation of the renewal.

  1. Accident Surcharges
    1. 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. The applicable threshold is determined by the accident date, as follows:
      Dollar ThresholdApplies to These Accidents
      $1,050Applies to accidents which occurred on or after July 1, 2002 but before July 1, 2005
      $1,150Applies to accidents which occurred on or after July 1, 2005 but before July 1, 2008
      $1,350Applies to accidents occuring on or after July 1, 2008
    3. 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.
  2. Exceptions
    1. 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.
    2. An accident incurred by an operator who is demonstrated to no longer reside in the insured's household is not eligible for surcharge.
    3. No points are assigned for accidents occurring under the following circumstances:
      1. 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
      2. accidents involving damage by contact with animals or flow
      3. accidents involving physical damage limited to and caused by flying gravel, missiles, or falling objects

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