Redpoint County Mutual Insurance Company has updated underwriting guidelines for its Lamar Platinum private passenger auto program in Texas, with changes effective February 26, 2026.

The revisions replace the existing underwriting manual and update eligibility rules, coverage features, discounts, surcharges, and operational requirements for business written through Lamar Platinum MGA.

The program maintains a nonstandard focus, with tighter risk selection. Ineligible risks include drivers with multiple serious violations, recent DUIs, or extensive accident histories, as well as policies with high exposure characteristics such as ridesharing, large numbers of drivers or vehicles, or vehicles primarily garaged outside Texas. Certain vehicle types remain excluded, including high-value vehicles, most electric vehicles, older vehicles for physical damage coverage, and a range of luxury and performance models.

Underwriting and tier placement continue to rely on external data, including credit-based insurance scores, vehicle history reports, and prior insurance and claims information.

Coverage options include accident forgiveness for qualifying risks, OEM parts coverage for newer vehicles, replacement cost for new vehicles under specific conditions, and optional benefits such as rental reimbursement, towing and labor, and accidental death and dismemberment.

The Lamar program covers about 5,948 policyholders and represents approximately $16.2 million in written premium in Texas.