Follow these general rules for questions on background information.
- Traffic Violations
- Minor traffic violations need not be disclosed.
- For the purpose of the application, the following are not considered minor traffic violations and must be disclosed.
- Vehicular homicide.
- Driving while intoxicated or driving under the influence of alcohol or drugs.
- Driving while driver's license has been canceled, suspended or revoked.
- Making false statements on an application for a driver's license.
- Any crime punishable as a felony wherein a motor vehicle was used in the perpetration of such crime.
- Leaving the scene of an accident without stopping to report it.
- Failing to maintain continuous motor vehicle liability insurance.
- A conviction for which an order of expungement has been granted need not be disclosed.
- Generally, convictions are not automatically expunged. If you are unsure whether a particular conviction has been expunged, you should contact the clerk of the court where conviction occurred.
- Time Limits
- Except for the crimes listed in #2 below, you may answer "No" to Question 1 if both of the following apply:
- 10 years or more have elapsed since you were convicted or released from probation or parole, whichever is later, for any misdemeanor; AND
- 15 years or more have elapsed since you were convicted or released from probation or parole, whichever is later, for any felony.
- Regardless of time limits outlined in #1 above, you must answer "Yes" to Question 1 if you have been convicted of any of the following:
- Tax Evasion
- Obstruction of Justice
- Contempt of Court
- Habitually Giving Worthless Checks
- Making a False Writing
- Deceptive Commercial Practices
- Any other crime, not specifically mentioned, that involved money, fraud, deceit, or untruthfulness
If you answered "Yes" to Question 1, please provide all details of each offense on a separate sheet of paper, including, but not limited to:
1. Name and address of arresting agency. 2. Location and date of arrest and/or conviction. 3. Nature of the charge or charges. 4. Name and address of the convicting court. 5. Disposition rendered by the court. 6. Whether you are serving probation or parole as of the date of your application.
Note: Failure to provide the above requested information in connection with a "Yes" response delays the processing of your application. Any omissions or false answers on the application and any supplementary pages attached may result in denial of your application.
Speak to an Experienced Insurance Attorney Today
This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified insurance lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local insurance attorney to discuss your specific legal situation.