= Yes/Si/Acceptable/Aceptable = No/Unacceptable/Inaceptable

	United [UAD]	Premier [UAP]	Ovation [UAO]	Hero [UAH]	Max [UAM]	Commercial[UCD]	Non-owners [UND]
Term	6 & 12	6 & 12	6 & 12	6 & 12	6 & 12	6 & 12	6 & 12
PIP/PD only	Driver Exclusions	Driver Exclusions	Driver Exclusions	Driver Exclusions	Driver Exclusions	Driver Exclusions
Standard SR-22 Filing
SR-22 Non-Cancelable PIP/PDL Filing [policy must be issued for a period of 6 months & must be paid-in-full]
Passports [must be from another country & a copy of the unexpired passport is required]							Must have Florida License
Out Of State Driver's License [copy of license or motor vehicle record is required within 30 days of policy effective date]
Reinstatements [with lapse in coverage under certain conditions for NON-PAYMENT cancellations only]	SR22 policies are not eligible for reinstatement	SR22 policies are not eligible for reinstatement	SR22 policies are not eligible for reinstatement	SR22 policies are not eligible for reinstatement	SR22 policies are not eligible for reinstatement	SR22 policies are not eligible for reinstatement
Actual Cash Value [ACV] [this applies to policies with Comprehensive & Collision Coverage]	Up to $65,000	Up to $65,000	Up to $65,000	Up to $65,000	Up to $65,000	Up to $65,000
Towing/ Rental [Reimbursement Coverage]	Towing benefit limit is $50 per occurrence with a maximum of 1 occurrence per 6-month policy term & 2 occurrence per 12-month policy term Rental benefit limit is $20 per day up to a maximum of $375 per term	Towing benefit limit is $50 per occurrence with a maximum of 1 occurrence per 6-month policy term & 2 occurrence per 12-month policy term Rental benefit limit is $20 per day up to a maximum of $375 per term	Towing benefit limit is $50 per occurrence with a maximum of 1 occurrence per 6-month policy term & 2 occurrence per 12-month policy term Rental benefit limit is $20 per day up to a maximum of $375 per term	Towing benefit limit is $50 per occurrence with a maximum of 1 occurrence per 6-month policy term & 2 occurrence per 12-month policy term Rental benefit limit is $20 per day up to a maximum of $375 per term	Towing benefit limit is $50 per occurrence with a maximum of 1 occurrence per 6-month policy term & 2 occurrence per 12-month policy term Rental benefit limit is $20 per day up to a maximum of $375 per term	Towing benefit limit is $50 per occurrence with a maximum of 1 occurrence per 6-month policy term & 2 occurrence per 12-month policy term Rental benefit limit is $20 per day up to a maximum of $375 per term
Number of Vehicles vs November of Drivers	1 more vehicle than driver is acceptable	1 more vehicle than driver is acceptable	1 more vehicle than driver is acceptable	1 more vehicle than driver is acceptable	1 more vehicle than driver is acceptable	1 more vehicle than driver is acceptable [No more than five (5) vehicles shall be written on a policy]
PRIOR PIP CLAIM	1 per household in 24 months prior to policy effective date 2 or more is Unacceptable	1 per household in 24 months prior to policy effective date 2 or more is Unacceptable	1 per household in 24 months prior to policy effective date 2 or more is Unacceptable	1 per household in 24 months prior to policy effective date 2 or more is Unacceptable	1 per household in 35 months prior to policy effective date 2 or more is Unacceptable	1 per household in 36 months prior to policy effective date 2 or more is Unacceptable
Insurance Credit Scoring
Excluded Persons [any household resident 15 years or older whether they are licensed or not]
DISCOUNTS
Renewal Discount [will apply If there is no more than 45 days lapse in coverage & prior UAIC policy has no more than 1 at-fault claim in last 36 months]
Transfer/ Proof of Prior Discount	For a policy that will be transferred from another carrier to UAIC a Transfer Discount will apply if: There is no more than a 45-days lapse in coverage & There is proof of prior for at least 3 continuous months & The insured has no more than 1 at-fault accident in the prior 36 months when quoted A transfer discount will be applied to qualifying UAIC policies if: The insured has no more than 1 at-fault accident in the prior 36 months & *There is proof of 6 months continuous coverage, provided the prior UAIC policy was a different product when quoted	For a policy that will be transferred from another carrier to UAIC a Transfer Discount will apply if: There is no more than a 45-days lapse in coverage & There is proof of prior for at least 3 continuous months & The insured has no more than 1 at-fault accident in the prior 36 months when quoted A transfer discount will be applied to qualifying UAIC policies if: The insured has no more than 1 at-fault accident in the prior 36 months & *There is proof of 6 months continuous coverage, provided the prior UAIC policy was a different product when quoted	For a policy that will be transferred from another carrier to UAIC a Transfer Discount will apply if: There is no more than a 45-days lapse in coverage & There is proof of prior for at least 3 continuous months & The insured has no more than 1 at-fault accident in the prior 36 months when quoted A transfer discount will be applied to qualifying UAIC policies if: The insured has no more than 1 at-fault accident in the prior 36 months & *There is proof of 6 months continuous coverage, provided the prior UAIC policy was a different product when quoted	For a policy that will be transferred from another carrier to UAIC a Transfer Discount will apply if: There is no more than a 45-days lapse in coverage & There is proof of prior for at least 3 continuous months & The insured has no more than 1 at-fault accident in the prior 36 months when quoted A transfer discount will be applied to qualifying UAIC policies if: The insured has no more than 1 at-fault accident in the prior 36 months & *There is proof of 6 months continuous coverage, provided the prior UAIC policy was a different product when quoted	Must provide proof of prior for at least six [6] months continuous liability coverage Note: The limits of prior liability coverage and length of days lapse will impact the level of discount	For a policy that will be transferred from another carrier to UAIC a Transfer Discount will apply if: There is no more than a 45-days lapse in coverage & There is proof of prior for at least 3 continuous months & The insured has no more than 1 at-fault accident in the prior 36 months when quoted A transfer discount will be applied to qualifying UAIC policies if: The insured has no more than 1 at-fault accident in the prior 36 months & *There is proof of 6 months continuous coverage, provided the prior UAIC policy was a different product when quoted	For a policy that will be transferred from another carrier to UAIC a Transfer Discount will apply if: There is no more than a 45-days lapse in coverage & There is proof of prior for at least 3 continuous months & The insured has no more than 1 at-fault accident in the prior 36 months when quoted A transfer discount will be applied to qualifying UAIC policies if: The insured has no more than 1 at-fault accident in the prior 36 months & *There is proof of 6 months continuous coverage, provided the prior UAIC policy was a different product when quoted
In House‐Agency Transfer Discount [will apply if the policy is eligible for the Transfer Discount & it was written by the same agency submitting the application *Copy of prior DEC PAGE is required]
Advance Purchase Discount [will apply to New Business if policy is issued at least 2 days in advance of the effective date & there is NO lapse in coverage]
EFT Discount [will apply if the insured elects to submit payments via Electronic Funds Transfer]
Paid-in-full Discount [will apply if Insured pays premium in full at point of sale *This discount does not apply to Non-Cancelable SR-22 policies]
Paperless Discount [will apply if Application is esigned with UAIC esign program & UAIC paperless option is used]
Homeowner Discount [will apply if insured owns and occupies a home, condominium or mobile home *Proof of ownership is required]
Senior Operator Accident Prevention Course [will apply if Named Insured is age 55 or older with a copy of course completion certificate *This discount does not apply if course is taken as punishment specified by a court resulting from a moving traffic violation]
Five-Year Accident-Free Discount This is a policy level discount that the website will AUTOMATICALLY apply if: All drivers have at least 5 years of verified driving experience & All drivers have no at-fault chargeable accident in the 59 months prior to policy effective date & *All drivers listed do not have an Unverifiable Driving Record or a Foreign Driver's License
OTHER UNDERWRITING GUIDELINES
Revoked Driver's License
FR44 Filing and 100/300/50 Liability Limits
Photos [required on policies with Comprehensive & Collision coverage]	A bill of sale is accepted in place of the photos for vehicles 5 years old or less AND purchased from a dealer within the last 48 hours	A bill of sale is accepted in place of the photos for vehicles 5 years old or less AND purchased from a dealer within the last 48 hours	A bill of sale is accepted in place of the photos for vehicles 5 years old or less AND purchased from a dealer within the last 48 hours	A bill of sale is accepted in place of the photos for vehicles 5 years old or less AND purchased from a dealer within the last 48 hours	A bill of sale is accepted in place of the photos for vehicles 5 years old or less AND purchased from a dealer within the last 48 hours	A bill of sale is accepted in place of the photos for vehicles 5 years old or less AND purchased from a dealer within the last 48 hours
Business/Corporate owned vehicles						When vehicle on policy is registered to Business Name listed on application. Proof of commercial use is required
Uber, Lyft or any other ride sharing, Car rental/carsharing services such as Get around, Turo, Zipcar, & Transportation Network Companies
Have a question? Email Underwriting by:	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"	Accessing policy inquiry and to the upper left of page select "Click Here to Send E-mail to Customer Service"