When applying for commercial auto coverage, not-at-fault claims that were previously incurred by a driver listed on the policy will not impact the driver’s rates, but at-fault claims continue to impact a driver’s rating for six years. After six years that driver is able to receive Accident Forgiveness coverage, which should be obtained by all commercial drivers who are eligible. The eligibility requirements for obtaining Accident Forgiveness Coverage on a commercial auto policy are more favourable than personal auto policies as drivers on a personal auto policy typically need to wait 7-10 years following an accident in order to able to obtain this coverage. Similar to Personal Auto Insurance, convictions will impact a driver’s rates on a commercial policy for a period of three years following the date of conviction.