Travelers: Driver Assignment Rules

What are the Travelers driver assignment rules?

The following are the rules Travelers uses to assign drivers to vehicles:

Assign operators to autos as follows.

1. Driver Assignment to Eligible Vehicles
   1. Each Eligible Driver will be assigned a Driver Score. Eligible Drivers are then ranked from highest to lowest score. If two or more Eligible Drivers have the same Driver Score, ranking will be based on the order in which the drivers are listed on the policy. The Driver Score will be based on the following items: Marital status, count of At-Fault Accidents with Bodily Injury within 36 months, count of At-Fault Accidents with Bodily Injury 37-60 months, count of At-Fault Accidents without Bodily Injury within 36 months, count of At-Fault Accidents without Bodily Injury 37-60 months, count of Major Convictions within 36 months, count of Major Convictions 37- 60 months, count of Minor Convictions within 36 months, count of Minor Convictions 37-60 months and Years Licensed.
   2. Each Eligible Vehicle will be assigned a Vehicle Score. Eligible Vehicles are then ranked from highest to lowest score. If two or more Eligible Vehicles have the same Vehicle Score, the ranking will be based on the order in which the vehicles are listed on the policy. The Vehicle Score will be based on: vehicle collision symbol model year 1990 or older, vehicle collision symbol model year 1991 and newer, and Vehicle Age.
   3. Up to two Eligible Drivers, primary operator, and secondary operator, may be assigned to an Eligible Vehicle.
   4. When the number of Eligible Drivers equals the number of Eligible Vehicles, all Eligible Drivers will be assigned as primary operators based on the highest driver to the highest vehicle.
   5. When the number of Eligible Drivers exceeds the number of Eligible Vehicles, the assignment is based on the highest driver to the highest vehicle. Once all Eligible Vehicles have an assigned primary driver, any remaining Eligible Drivers will be assigned as secondary drivers in the highest to highest manner. Eligible Driver to Eligible Vehicle assignment will continue based on the highest driver to the highest vehicle until all Eligible Drivers have been assigned or all Eligible Vehicles have a primary and secondary operator assigned. Any remaining Eligible Drivers will not be assigned to an auto.
   6. When the number of Eligible Vehicles exceeds the number of Eligible Drivers, all Eligible Drivers will be assigned as primary drivers based on the highest driver to the highest vehicle. Any remaining vehicles will be classified as an Excess Vehicle, with no operator assigned.

1. Driver Assignment for Miscellaneous Type Vehicles

Each Miscellaneous Type Vehicle, except Antiques and Classics, will be classified as an Excess Vehicle and will not have an operator assigned.

1. Driver Assignment for Named Non-Owner Policies

Named Non-Owner Policies will not have a Vehicle Score. Primary and secondary operators are determined based on the Driver Score only. If more than two Eligible Drivers are present on a Named Non-Owned Policy, only the two Eligible Drivers with the Highest Driver Score will be assigned. Any remaining Eligible Drivers will not be assigned.

1. Vehicle Driver Assignment

Vehicle Driver Assignment refers to whether a vehicle has only a primary operator assigned, both a primary and secondary operator assigned or a vehicle has been classified as Excess.