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Generated from the package’s Python API. California law every CA personal auto carrier applies, derived from a PPA book. A carrier’s prepare calls these instead of asking the user for a verdict such as “good driver”. Each result is aligned with the book’s own rows and is <NA> where the book holds too few facts to decide, so a missing fact stays unknown instead of reading as a clean record.
  • chargeable_accident: an accident the driver was principally at fault in, with bodily injury or death, or property damage over $1,000 (Cal. Code Regs. tit. 10, § 2632.13).
  • dui_conviction: a conviction under an offense California Insurance Code § 1861.025(c) names.
  • good_driver: the Good Driver test of Insurance Code § 1861.025.
  • offense: what the Vehicle Code or Penal Code section a violation cites prohibits, such as unsafe_speed for VC 22350. A carrier’s program maps the offense to its own class, which its filing describes in words.
  • dmv_points: the violation point count Vehicle Code 12810 and 12810.3 give each violation.
A violation counts as California’s when violation_jurisdiction is US-CA, or when it is blank and violation_code cites the Vehicle Code (VC) or Penal Code (PC). A violation’s point count comes from its dmv_points, which SCHEMA (this module’s extension of ppa.SCHEMA) declares; an at-fault accident’s point follows from its facts (10 CCR § 2632.13.1(b)(3)). A dmv_points the book gives is the DMV’s own record, so it is used as given; a blank one is derived from the violation’s code. Carriers’ own underwriting, such as how they count a license from outside the US and Canada, stays in their programs.

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SCHEMA

ppa.SCHEMA with the facts California law reads in its own terms: incidents.dmv_points, the violation point count California’s DMV records under Vehicle Code 12810. A California carrier’s program declares its own columns on this schema with with_columns.

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chargeable_accident

Whether each incident is a chargeable at-fault accident, aligned with book.incidents. True for an accident with at_fault true and either injury true or damage_amount over 1,000(10CCR§2632.13).Falseforaviolationorclaim,anaccidentwith‘atfault‘false,oronewith‘injury‘falseand1,000 (10 CCR § 2632.13). False for a violation or claim, an accident with `at_fault` false, or one with `injury` false and 1,000 or less in damage. <NA> when a fact the test needs is blank, including kind.

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dmv_points

Each incident’s violation point count, aligned with book.incidents. A dmv_points the book gives is used as it is. Otherwise a California conviction gets the points Vehicle Code 12810 gives its code: two for the offenses (a) to (e) name, such as DUI, reckless driving and hit and run, and one for any other conviction involving safe operation. Under 12810.3 a handheld-device conviction (VC 23123(a), 23123.5(a), 23124(b)) gets one point when it occurred on or after July 1, 2021 within 36 months of a prior conviction of the same offense, and zero points otherwise. A violation dismissed or sent to traffic school gets zero points, and so does an accident or claim, whose point follows from its facts. Violations that share an occurrence_id are one occasion of citation, which 12810(j) counts once, at its highest point count. <NA> when the code, jurisdiction, disposition or a date the rule needs is unknown.

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dui_conviction

Whether each incident is a conviction for an offense Insurance Code § 1861.025(c) names, aligned with book.incidents. False for an accident or claim, a California violation under another code, or one dismissed or sent to traffic school. <NA> for a conviction from another state, one under Vehicle Code 23550 or 23566 (the statute names only felony violations of these), or one whose code, disposition or kind is blank.

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good_driver

Whether each driver meets the Good Driver test on the submission’s effective date, aligned with book.drivers (Insurance Code § 1861.025, 10 CCR § 2632.13.1). A good driver:
  • has been licensed for the previous three years (first_licensed_date);
  • in those three years has at most one point: the Vehicle Code § 12810 points (dmv_points) of violations convicted in that time, plus one for each chargeable accident with property damage only;
  • in those three years has at most one violation dismissed through traffic school, and zero chargeable accidents with bodily injury or death;
  • in the previous ten years has zero convictions dui_conviction finds.
A violation is dated by conviction_date and an accident by occurrence_date. A violation with a blank conviction date that occurred inside the period was convicted inside it too. False as soon as one test fails. True only when every test passes whatever the blank facts are, and the driver’s history is complete (history_complete_from on or before ten years back, history_complete_through on or after the effective date), so that an empty incident list means a clean record. <NA> otherwise.

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offense

What each California violation’s code prohibits, aligned with book.incidents. The offense names come from the sections themselves, such as dui for VC 23152, unsafe_speed for VC 22350, red_light for VC 21453 and handheld_device for VC 23123.5(a). A code is read as VC 22350, CVC 22350(a) or PC 191.5(b); a subdivision the table names must match. <NA> for an accident or claim, a violation from another state, or a code outside the table.