Who can drive under a Commercial or Business Auto Insurance policy?
Ask an insurance company, agent, broker, account manager, or insurance underwriter and you may receive different answers from each one as to what is an acceptable driver. The short and simple answer is that each insurance company guideline will be a little different, but all share a few common guidelines.
The following is ONLY intended as basic information. We encourage you to contact your commercial auto insurance agent or broker to discuss in further detail.
Dumbaugh Insurance uses three categories to review driving records.
#1 – Age of the Driver:
Under 21 – Not recommended
21 to 25 – With a clean driving record, private passenger vehicles only. No large trucks or commercial vehicles
26 to 70 – Preferred with clean driving records
Over 70 – Not recommended
#2 – Major Violations:
The violations below are all considered Major violations and are always a No.
Driving Under the Influence
Under 21 & Possession
Vehicle Manslaughter, Homicide, or Negligence
Use of a Vehicle Committing a Felony
Hit & Run Accident
Leaving the Scene
Operating with a Suspended/Revoked License
Making a False Report
#3 – Minor Violations & Accidents:
Everything else falls under Minor violations. Insurance companies typically look at a combination of both violations and accidents.
Combination of 1 or fewer minor violations & accidents will always be acceptable
Combination of 2 or fewer minor violations & accidents will commonly be accepted, but may be referred
Begin a Conversation with your agent
Who is an acceptable driver will always be different per agent, broker, and company, but should be discussed whenever you have any questions, especially in light of the increasing premium trend in commercial auto insurance. The best defense is a good offense of;
Open communication with your agent
Proper screening of drivers
A writtten driver policy in regards to acceptable use, and driving record.