Bristol West
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      Bristol West: Unacceptable Risks

      What are the unacceptable risks for Bristol West?

      The following risks are not acceptable for our private passenger auto program:

      These provisions do not apply if any driver on the policy qualifies as a good driver, as defined in California Insurance Code 1861.025 and the vehicles insured are private passenger type, as defined in California Insurance Code 660.

      Unacceptable Insureds/Drivers

      1. Operators with more than three (3) at-fault accidents in the 36 months prior to inception.
      2. Operators convicted of any of the following the 36 months prior to inception:
        1. a. A felony as a result of a driving-related conviction
        2. b. More than two of the following:
          1. Driving a motor vehicle with a blood alcohol level equal to or in excess of 0.08 percent as evidenced by the MVR, or if under age 18, driving a motor vehicle with a blood alcohol level equal to or in excess of 0.05 percent as evidenced by the MVR
          2. Any major violation
      3. Operators employed or attending school outside the state of California.
      4. Operators with a mailing address outside of California (Exceptions: Active duty military or student attending school in the state of California or vehicles garaged in the state of California with proof submitted).
      5. Operators with a permanently suspended or revoked license.

      Unacceptable Vehicles (for any coverage)

      1. Vehicles leased for a term of less than six (6) months.
      2. Vehicles over 40 model years old.
      3. Vehicles garaged outside of California. In the case where a vehicle is moved outside California, out-of-state ZIP Codes will be rated using the factors from the highest-rated California ZIP Code.
      4. Vehicles with more or less than four (4) wheels, except “dualies”.
      5. Vehicles with a load capacity (ton rating) in excess of one (1) ton or gross vehicle weight of greater than 10,000 pounds.
      6. Vehicles modified for high performance.
      7. Vehicles that are not roadworthy.
      8. Vehicles used for racing.
      9. Vehicles leased or rented to other drivers by the applicant.
      10. Vehicles equipped with altered suspensions. “Altered vehicles” are defined as homemade, custom-built, or modified vehicles, vehicles with lift kits, snowplowing equipment, cooking equipment or bathrooms.
      11. Vehicles not registered for street use.
      12. Vehicles used for delivery, limousine, or taxi service.
      13. Vehicles used to transport nursery or school children, migrant workers, hotel/motel guests, patients, or members of a van/carpool.
      14. Vehicles used commercially for retail or wholesale delivery of products, such as, but not limited to, magazines, newspapers, mail, pizza, (or other food items), farm animals or produce, limousine or taxi services; or other delivery services (including but not limited to vehicles used to transport nursery or school children, migrant workers, hotel/motel guests, patients or members of a van/carpool) or emergency vehicles.
      15. Vehicles used for a courier or escort service.
      16. Vehicles used for towing.
      17. Commercial vehicle types, Step, Panel, Cutaway Vans, Dump Trucks, and Wide Load Escort Vehicles.
      18. Vehicles transporting explosives, chemicals, radioactive materials, or flammable substances.
      19. Vehicles with an incomplete chassis.
      20. Conversion vans requesting comprehensive and collision coverage.
      21. Vehicles not owned or leased by named insured or others listed as rated drivers unless rated for business use.
      22. Vehicles with a current retail value over $125,000.
      23. Vehicles of any of the following types: Campers, dune buggies, racing vehicles, taxicabs, limos, jitneys, emergency vehicles, or commercial vehicles.
      24. Farm vehicles, Motor Homes, or Kit cars.
      25. Vehicles used in Commercial Rideshare Programs unless the optional buyback provision is purchased.
      26. Policies with more than one (1) Business, Commercial Ridesharing or Artisan Use vehicle. Refer to Vehicle Use section.

      Unacceptable for Physical Damage

      1. Vehicles rated based only on their actual cash value, stated amount, or stated value.
      2. Vehicles older than model year 1981.
      3. Salvage Vehicles (Exception to salvaged vehicle rule: If vehicle has been rebuilt; and properly certified with the State Department of Motor Vehicles as roadworthy).
      4. Vehicles with modified exteriors and/or lowered or lifted vehicles more than three (3) inches, with the exception of truck/SUV models, which may be raised up to six (6) inches.
      5. Vehicles of the following makes/models:
        • Aro, Aston Martin, Avanti, Bentley, Bricklin, Bugatti, DCX (Dodge) Sprinter, DeLorean, Ferrari, Fisker, Ford Think, GEM, Laforza, Lamborghini, Lotus, Maserati, Maybach, McClaren, Panther, Rolls Royce, Sterling, Triumph, TVR, Golf Cart Style, Micro Trucks, and Vehicles with top speeds of 25-30 mph.
      6. Vehicles over $125,000

      Unacceptable Customizing Equipment

      1. Additional equipment that is not permanently installed in the vehicle.
      2. Radar detectors, custom murals, nose bras and insect shields.
      3. Equipment in an unlocked or open vehicle.
      4. Equipment for which the value cannot be determined or verified.
      5. Sinks/bathroom/toilet facilities/equipment for cooking.
      6. Personal property carried in a vehicle.