Safeco: Unacceptable Drivers

What are the unacceptable drivers in the Safeco private passenger auto program?

Unacceptable Drivers

These provisions do not apply if all drivers on the policy qualify as good drivers, as defined in California Insurance Code section 1861.025, and the vehicles insured are private passenger type, as defined in section 660 of the California Insurance Code.

The following drivers are ineligible for insurance:

• Drivers without a current, valid driver’s license
• Drivers without a specific, in-state garaging address
• Drivers who are not permanent residents (10-month intended stay) of the rating state
• Drivers with revoked licenses, unless that driver is excluded from coverage, and is not a named insured on the policy.
• Drivers who have been convicted of insurance fraud
• Persons employed in illegal enterprises and occupations
• Non-resident and/or non-dependent operators employed in occupations involving the use of an insured vehicle by nonresident nondependent operators
• Any driver whose U.S. or Canadian licensing record for the past one to 18 months cannot be verified by the state's licensing authority
• Policies where all listed operators do not live in the same household, excluding students and military