U350MN (02-18) Page 1 of 4
GEICO GOOD DRIVER PLAN
EFFECTIVE: July 26, 2018
HOW THE PLAN WORKS
The 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." The experience period
shall be: For New Business - the three years immediately preceding the policy effective date; For Renewals - the
thirty-four months ending sixty days prior to the policy effective date.
The points for all drivers assigned to the same vehicle are totaled to develop the premium surcharge on that vehicle.
Points for a driver who is rated as a principal operator are assigned to the vehicle which he or she principally
operates. If the driver is the principal operator of more than one vehicle, the points are assigned to the vehicle
he or she operates most often. For occasional operators, points are assigned to the vehicle he or she most
often uses. If there is more than one occasional youthful operator, the points are assigned to the vehicle on
which the driver is rated.
I. ACCIDENTS
A. Initial Rating (First Time Rated Under the Plan)
1. One point is assigned for the first accident involving you or any resident operator and two points are
assigned for the second and each subsequent accident by the same operator, if the accident resulted in
damage to your property or that of another in excess of $750. A point for an accident is to be assigned
in addition to any points which may be assigned for a conviction as a result of the same occurrence.
2. One point is assigned for every second accident which resulted in property damage and was not
surchargeable under paragraph 1. above only because of the $750 threshold.
EXCEPTIONS:
No point shall be assigned for an accident above if the insured demonstrates that the accident
occurred under the following circumstances:
1. Automobile Lawfully Parked: An automobile rolling from a parked position, however, shall not be considered
as lawfully parked, but as the operation of the last operator.
2. Reimbursement: An accident for which you are reimbursed by or on behalf of the person responsible for the
accident or have judgment against the person.
3. Struck In Rear: An accident in which your vehicle is struck in the rear by another and you, or other operator
of your vehicle, are not convicted of a violation in connection with the accident.
4. Other Party Charged: An accident in which the operator of the other vehicle is convicted of a moving
violation and you, or other operator of your vehicle, are not.
5. Hit and Run: An automobile operated by you or a driver on your policy is damaged by a hit and run driver,
provided you report the accident to proper authorities within 24 hours.
6. Animals or Fowl: An accident involving damage by contact with animals or fowl.
7. Flying Gravel, Falling Objects: An accident involving physical damage, limited to and caused by flying
gravel, missiles or falling objects.
8. Emergency Use: Accidents involving the operation of a vehicle in response to an emergency if the operator
at the time of the accident 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. This exception does not include an accident occurring after
the emergency situation ceases or after the automobile ceases to be used in response to the emergency.
9. Accidents which result in an amount being paid under Personal Injury Protection or Additional Personal Injury
Protection and no payment is made under the Liability or Collision coverage. This exception does not apply
to single vehicle accidents in which property damage occurs.
Policy No.: