UServ_car Client Segmentation Business Rules preffered client elite client portfolio products top percent of clients Automobile Eligibility Potential Theft Category car high potential theft rating moderate potential theft rating low potential theft rating dollars car price car model High Theft Probability Auto convertible Risk Management no airbag list potential occupant injury driver air bag passenger air bags side panel air bags rollbar eligible extremely high high moderate low provisional eligible driver male young driver driver age female training certification senior driver driver training school licensed training company senior citizen driver refresher course DUI High Risk Driver accidents moving violations eligibility rating process extremely high potential occupant injury high potential occupant injury moderate potential occupant injury low potential occupant injury Eligibility Scoring annual premium eligibility score auto insurance client client application underwriting manager car base premium compact car sedan luxury car new car cars model year current year next year years old car premium uninsured motorist coverage medical coverage alarm system Driver Premiums driver premium married single typical driver CA or NY or VA