California Code of Regulations › Title 10 - Investment › Chapter 5 - Insurance Commissioner › Subchapter 4.7 - Private Passenger Automobile Rating Factors › Article 4 - Good Driver Discount Policy › Section 2632.15 - Data Retention

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a)
				  Every insurer offering or issuing a policy of automobile insurance shall
				  collect and retain the data listed in this subsection. All data requirements
				  apply only to an insurer's direct business. If an insurer does not in any way
				  use or collect an item listed in subsection (3) below for any individual
				  insured, they are not required to collect and report the item. This file will
				  be referred to as the "Current File". Insurers are required to collect and
				  retain data on the listed factors, they are not required to use these factors
				  in calculating premiums.
(1) All data must be
				  kept in a computer file that allows for the insurer to place the data on
				  computer media (tape, cartridge or disk). All data must be recorded in a raw,
				  ungrouped format in a manner specified by the Commissioner.
(2) Every insurer shall begin collecting the
				  data for current policy holders, beginning with all renewals effective on or
				  after 180 days after the effective date of these regulations.
(3) The following items shall be kept for
				  every currently insured vehicle:
(A) The
				  latest effective or renewal date of the policy;
(B) The number of drivers assigned to this
				  vehicle;
(C) The following
				  information for the rated driver on this vehicle (as of the last renewal date
				  for this policy or date of latest coverage or vehicle change). To the extent
				  that it is available, all violation and accident data shall cover a minimum of
				  six years.
1. The total number of
				  convictions.
2. The date and
				  California vehicle code section (or its equivalent) of each
				  violation.
3. The total number of
				  at-fault BI accidents with over $500 damage.
4. The date of each at-fault BI accidents
				  with over $500 damage.
5. The total
				  number of at-fault non-BI accidents with over $500 damage.
6. The date of each at-fault non-BI accidents
				  with over $500 damage.
7. Number of
				  years since the last at-fault BI accident with over $500 in damage.
8. Number of years since the last at-fault
				  non-BI accident with over $500 in damage.
9. Number of years since the last
				  convictions.
10. Gender.
11. Martial status (legally married, single
				  or widowed only).
12. Percentage
				  use this driver.
13. Years licensed
				  to drive.
14. Age.
15. Smoker status.
16. Academic status. Indicator to describe if
				  the driver is a student and if so if they qualify for a good student
				  discount.
17. Senior defensive
				  driver discount eligibility.
18.
				  Driver training status.
19. Any
				  other driver related factors the Commissioner has approved and the insurer
				  uses.
(D) The same
				  information listed under (C) shall also be kept for every driver assigned to
				  this vehicle. Data for each driver shall only be kept for one vehicle, unless
				  there are excess vehicles in which case the data under (C) shall include the
				  data for the driver that puts the most mileage on the excess vehicle.
(E) Additional vehicle indicator. This is
				  used for insureds that have more vehicles than drivers where there is no rated
				  driver.
(F) Zip Code of the
				  vehicle's location.
(G) Type of use
				  indicator (pleasure only, business, commute, etc.).
(H) Weekly commute miles.
(I) Vehicle model year.
(J) Vehicle value (price group)
				  code.
(K) Vehicle type; auto, light
				  pickup truck, van, heavy truck, Motorcycle, antique auto or other.
(L) Vehicle performance type.
(M) Limits and deductibles, separately for
				  all coverages.
(N) Good driver
				  discount status.
(O) Multi-vehicle
				  household.
(P) The number of
				  semi-annual renewals for this policy.
(Q) Vehicle safety and anti-theft equipment,
				  including but not limited to:
1. Anti-lock
				  brake, including number of wheels covered;
2. Air bags, including number and
				  location;
3. Automatic seat
				  belts;
4. Anti-theft devices,
				  including type;
5. Vehicle garaging
				  status.
(R) Premiums,
				  separately for each coverage.
(S)
				  Actual previous years mileage, rounded to the nearest hundred miles.
(T) Estimated current years mileage for the
				  12 month period beginning with the start of this policy, rounded to the nearest
				  hundred miles.
(U) Any other
				  vehicle related factors the Commissioner has approved and the insurer
				  uses.
(V) Any other factor the
				  Commissioner has adopted by regulation.
(W) VIN.
(X) Policy number and vehicle
				  number.
(4) Insurers
				  shall maintain these data so that they are able to provide them to the
				  Commissioner within three months of receipt of a request for the
				  data.