According to the Recovery Rule, what condition must be met to return to the CRS rating before a claim?

The Recovery Rule is designed to allow insured individuals to regain their previous Claims Rating Survey (CRS) status after making a claim. The necessary condition to return to the same rating before a claim is that the policyholder must go three consecutive years without filing any claims. This stipulation encourages safe driving and reduces the likelihood of future claims, which benefits both the insurer and the insured.

The other options do not align with the criteria outlined in the Recovery Rule. Substantial vehicle repairs, for instance, might be part of maintaining a vehicle but do not directly affect the CRS rating following a claim. Driving below a certain speed limit may promote safer driving, but it is not a condition that impacts returning to a prior CRS rating. Paying a higher premium might be a consequence of increased risk or claims but does not serve to restore the previous CRS status. Hence, maintaining a clean claim history over three consecutive years is the correct path to revert to the previous rating.