What typically necessitates a review of an insured's Personal Auto Policy?

A review of an insured's Personal Auto Policy is typically necessitated by changes in the insured's driving habits or vehicle usage. When an individual alters their driving patterns, such as increasing their daily commute, using the vehicle for ridesharing, or allowing additional drivers to use their vehicle, it can impact the risk profile associated with the policy. These changes might require updates to the coverage limits, premiums, or even the type of policy that is most suitable for their current needs.

While increased premium costs could signal a need for a review, it is the changes in driving habits or usage that directly relate to the coverage and risk managed by the policy. Maintaining a good driving record and completing a defensive driving course can be positive factors but do not inherently necessitate a review of the policy. These elements can lead to discounts or favorable rates but do not trigger the need for a policy adjustment as significantly as changes in driving behavior would.