The GEICO Casualty Rating Plan
Effective Date: 02/01/2018
Under our merit rating plan, our company uses a point system under which drivers with accidents and traffic convictions
pay higher rates, while drivers with no accidents and convictions are charged the lowest premiums. Points are assigned
when you, or a driver currently residing in your household and operating your automobiles, are involved in negligent
accidents while driving private passenger automobiles, or convicted of moving traffic violations that were received while
driving any type of vehicle.
Experience Period
Accidents and convictions result in points only if they occurred during the "Experience Period". This period is the 35
months immediately preceding the date of application for new policies or the effective date of the renewal policy.
I. Accidents
Three points are assigned for the first accident involving you or a resident operator, and four points are assigned (per
operator) for the second and each subsequent accident, if the accident resulted in bodily injury, death, or damage in
excess of $500 to the insured’s own or other’s property.
Exceptions: No points are assigned for accidents in the following circumstances:
1. Automobile lawfully parked: An automobile rolling from a parked position is not considered lawfully parked
but rather as the negligent operation of the last driver.
2. Reimbursement: Accident for which you are reimbursed by, or on behalf of, the person responsible for the
accident or when a judgment is obtained against the person.
3. Rear-End Collision: Accident in which your automobile is struck in the rear by another, and you, or other
operator are not convicted of a traffic violation in connection with the accident.
4. Other Party Charged: Accident in which the operator of another vehicle involved in the accident is convicted of
a moving traffic violation.
5. Hit and Run: Accident in which an automobile operated by you or other operator resident in the same
household is damaged by a "hit-and-run" driver, provided you report the accident to the proper authorities
within 24 hours.
6. Animals or Fowl: Accident involving damage caused by contact with animals or fowl.
7. Personal Injury Protection: Accident results in payment under Personal Injury Protection or Additional Personal
Injury Protection and no payment is made under Liability or Collision coverage. This exception does not apply
to single vehicle accidents in which damage to property occurs.
8. Emergency Use: Accident involving the operation of a vehicle in response to an emergency if, at the time
of the accident, the operator was responding to the call to duty as a paid or volunteer member of any Police
or Fire Department, First Aid Squad, or any law enforcement agency, or was performing any other
governmental function in a public emergency.
NOTE: This exception does not include an accident occurring after the emergency situation ceases or after
the private passenger automobile ceases to be used in response to such emergency.
II. Traffic Convictions
Points are assigned for motor vehicle violations for which you or any operator have been convicted, paid a fine or
forfeited bail during the experience period and for driver's license suspensions or revocations served during the
experience period.
1. Four points are assigned for the first conviction and six points for each additional conviction per driver for:
a) Any felony involving a motor vehicle (including theft);
b) Hit and run or leaving the scene;
c) Operating a motor vehicle while in an intoxicated condition or while disabled by reason of the use of drugs;
d) Reckless driving which results in an injury to a person.
2. Three points are assigned for the first conviction and four points for each additional conviction per
driver for:
a) Drinking while driving;
b) Open container;
c) Racing.
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