Public Policy Skeleton

No-Claim ACH Member Benefit Policy

This policy explains the 75% ACH no-claim member benefit, cycle calculation, claim impact, cancellation scenarios, and review limits.

Last updated: May 18, 2026

75% No-Claim ACH Member Benefit

When a driver completes an eligible 12-month cycle without submitting or claiming any covered ticket/citation during that cycle, DMV Protect returns 75% of the amount paid for that cycle through the driver's ACH payment method.
The amount is calculated from the actual amount paid during the applicable 12-month cycle, not from a generic plan price unless that was the actual amount paid.
Each 12-month cycle is evaluated separately and a prior cycle result does not automatically determine a later cycle result.

If the driver cancels or closes the account during or at the end of a 12-month cycle and did not submit or claim any covered ticket/citation during that cycle, DMV Protect returns 75% of the amount paid during that cycle through ACH.
No reactivation fee applies by default when the driver never submitted or claimed any covered ticket/citation.
Account closure or cancellation does not remove DMV Protect's responsibility to complete eligible no-claim ACH member benefit processing for that cycle.

If the driver completes a full 12-month cycle, keeps the account active, and did not submit or claim any covered ticket/citation during that completed cycle, DMV Protect returns 75% of the amount paid during that completed cycle through ACH.
The driver may continue into the next 12-month cycle as an active subscriber.
The next cycle is evaluated separately based on the next cycle's payments and claim activity.

If the driver submits or claims any covered ticket/citation during the applicable 12-month cycle, the 75% no-claim ACH member benefit does not apply by default for that cycle.
If the driver later cancels or closes the account after submitting or claiming a covered ticket/citation, DMV Protect is not responsible for continuing ticket/citation support after cancellation or closure unless reactivation or new service approval applies.
Future service after cancellation may require reactivation review and applicable reactivation fee rules.

Eligible no-claim ACH member benefit payments must be delivered through the driver's ACH payment method.
If ACH information is missing, invalid, closed, rejected, or failed, the benefit may remain pending until the driver updates ACH details.
DMV Protect may notify the driver when updated ACH information is needed to complete benefit delivery.

Member benefit questions or disputes may require review by DMV Protect.
DMV Protect may request supporting information before resolving a benefit question.
Alex cannot approve, deny, or change member benefit outcomes; Alex may explain policy and guide users to the proper request or review workflow.