Redpoint County Mutual is updating underwriting guidelines for its Texas private-passenger auto program, with new business effective November 28, 2025, and renewals effective December 31, 2025.

The changes apply to policies written through Commonwealth General Insurance Agency and include updated requirements across binding, driver eligibility, vehicle eligibility, documentation, and fees. The filing does not contain rate changes.

Key updates include:

• Stricter documentation rules. Agents must retain signed applications, discount proofs, photo inspections, and household affidavits for seven years. All applications must be submitted electronically.
• Expanded photo/inspection requirements. Vehicles with physical damage or UM property damage must show four-corner photos, VIN, mileage, and pre-existing damage unless purchased new from a dealer.
• Clearer driver rules. All household members 15+ must be listed or excluded. Operators with more than 14 points, certain major violations, or multiple at-fault accidents are unacceptable.
• Vehicle restrictions. No more than six vehicles per policy; no more than one extra vehicle above the driver count. Restrictions include cargo vans, older vehicles with physical damage, high-value models, TNC/DNC use, and several makes/models listed as unacceptable for either PD or all coverage.
• Fees unchanged. A $72 policy fee per six-month term, MVCPA fee, SR-22 fee, installment fees, NSF fee, and assisted-payment fee apply.
• Surcharges clarified. Drivers or vehicles added after day 60 that fall into “unacceptable” categories are surcharge-eligible. Incorrect driver class or missing proofs triggers automatic rate adjustment.
• Six-month term only. The program remains semi-annual with renewals requiring on-time payment; no grace period applies.