PERSONAL AUTO MANUAL - North Star Mutual Insurance Company

Oklahoma (Ed. 010) New Business 05-01-19 North Star Mutual Ins. Co. Renewals 05-01-19

PERSONAL AUTO MANUAL

TABLE OF CONTENTS

ITEM RULE # PA PAGE

Antique Autos ........................................................................................................... 18 ............... 25-26 Application Procedure .............................................................................................. 33 ............... 36 Artisan Rating Factor ............................................................................................... ............... 47 Auto Loan/Lease Coverage ..................................................................................... 25 ............... 34 Campers (See Pickup Camper Bodies and Toppers) .............................................. 23 ............... 30-31 Cancellation/Nonrenewal ......................................................................................... 37 ............... 38 Changes ................................................................................................................... 30 ............... 35 Classic Autos ........................................................................................................... 19 ............... 27 Classification Definitions .......................................................................................... 3 ............... 3-5 Age, Sex and Marital Status Classifications (Of Operator) ............................... 3 ............... 4-5 Use Classifications ............................................................................................ 3 ............... 3 Classification Procedure .......................................................................................... 4 ............... 5-6 Classification Changes ...................................................................................... 4 ............... 6 Multi-Car Risks .................................................................................................. 4 ............... 6 Primary Classification ........................................................................................ 4 ............... 5 Secondary Classification ................................................................................... 4 ............... 5-6 Single Car Risks ................................................................................................ 4 ............... 6 Coverages - Limits and Deductibles ........................................................................ 9 ............... 14-17 Base Rates ........................................................................................................ 9 ............... 14 Deductible Insurance ......................................................................................... 9 ............... 16 Medical Payments ............................................................................................. 9 ............... 14 Physical Damage for Vehicles Over 10 Years Old ............................................ 9 ............... 16 Safety Glass Coverage ...................................................................................... 9 ............... 17 Split Liability Limits ........................................................................................... 9 ............... 14 Uninsured Motorists Coverage .......................................................................... 9 ............... 15 Customizing Equipment Coverage .......................................................................... 21 ............... 28 Definitions................................................................................................................. 2 ............... 1-2 Artisan Vehicles ................................................................................................. 2 ............... 2 Farm Family Corporations and Partnerships ..................................................... 2 ............... 2 Farm Truck ........................................................................................................ 2 ............... 2 Federal Government Employees ....................................................................... 2 ............... 2 Pickups and Vans .............................................................................................. 2 ............... 2 Private Passenger Auto ..................................................................................... 2 ............... 1 Discounts.................................................................................................................. 5 ............... 7-9 Accident Prevention Course .............................................................................. 5 ............... 8 Anti-Theft ........................................................................................................... 5 ............... 7 Companion Policy .............................................................................................. 5 ............... 7 Good Student ..................................................................................................... 5 ............... 8-9 Household .......................................................................................................... 5 ............... 7 Multi-Car ............................................................................................................ 5 ............... 7 Paid In Full ......................................................................................................... 5 ............... 9 Passive Restraint ............................................................................................... 5 ............... 8 Eligibility Personal Auto Policy ................................................................................. 1 ............... 1 Eligibility Vehicles and Drivers ................................................................................. 39 ............... 39 Employers Non-ownership Liability .......................................................................... 15 ............... 24 Excess Electronic Equipment Cov. & Tapes, Records, Disks & Other Media Cov. 12 ............... 21 Extended Non-Owned Coverage (Borrowed Or Rented Autos) .............................. 14 ............... 23

Oklahoma (Ed. 009) New Business 05-01-19 North Star Mutual Ins. Co. Renewals 05-01-19


TABLE OF CONTENTS CONTINUED

ITEM RULE # PA PAGE

Farm Truck Rating Factor Table .............................................................................. ............... 47 Installment Premium Payment Option ..................................................................... 35 ............... 37 Insurance Score ....................................................................................................... 43 ............... 42-43 Loan/Lease Coverage .............................................................................................. 25 ............... 34 Motor Homes ............................................................................................................ 22 ............... 29 Named Non-Owner Coverage.................................................................................. 13 ............... 22 Nonrenewal (See Cancellation/Nonrenewal) ........................................................... 37 ............... 38 Optional Limits Transportation Expenses Coverage (Rental Expense Cov.) .......... 16 ............... 24 Pickup Camper Bodies and Toppers ....................................................................... 23 ............... 30-31 Policy Period and Continuation ................................................................................ 28 ............... 35 Premium Calculation Steps ...................................................................................... 8 ............... 13 Premium Determination ........................................................................................... 7 ............... 12 Premium Determination - Farm Trucks .................................................................... ............... 46 Pro-Rata Changes ................................................................................................... 31 ............... 35 Questionable Applicants .......................................................................................... 34 ............... 37 Rate Change ............................................................................................................ 29 ............... 35 Rates For Symbols Not Displayed ........................................................................... 11 ............... 20 Rating Factors and Statistical Codes Primary Classifications ...................................................................................... ............... 44-46 Secondary Classifications ................................................................................. ............... 46 Rating Territories and Factors.................................................................................. 32 ............... 36 Rating Tier Selection And Factors ........................................................................... 42 ............... 41 Auto Discount Selection Guide .......................................................................... 42 ............... 41 Roadside Assistance ................................................................................................ 17 ............... 24-25 Safe Driver Insurance Plan (SDIP) .......................................................................... 6 ............... 9-12 Administration of SDIP....................................................................................... 6 ............... 12 Combination Accidents and Convictions ........................................................... 6 ............... 11 Definitions .......................................................................................................... 6 ............... 9-11 Driving Record Sub-Classification ..................................................................... 6 ............... 11 Multi-Car Risk .................................................................................................... 6 ............... 11 Schedule of Endorsements ...................................................................................... ............... 47 Suspension............................................................................................................... 38 ............... 38 Symbol Determination for Pickups, Vans, Farm Trucks and Unlisted Vehicles ...... 10 ............... 18-19 Towing and Labor Costs (See Roadside Assistance) ............................................. 17 ............... 24-25 Trailers Designed for Use with Private Passenger Autos ........................................ 24 ............... 31-32 Transportation Expenses Coverage (See Optional Limits (Rental Expense Cov.) . 16 ............... 24 Trusts as Additional Insureds ................................................................................... 26 ............... 34 Undesirable Vehicles ............................................................................................... 41 ............... 40 Whole Dollar Premium ............................................................................................. 27 ............... 35 Territory Definitions ............................................................................................... T-1 – T-3

Oklahoma (Ed. 005) New Business 05-01-15

North Star Mutual Ins. Co. PA - 1 Renewals 05-01-15


RULE 1 - PERSONAL AUTO POLICY - ELIGIBILITY

A. A Personal Auto Policy will be used to provide coverage to private passenger autos, and motor vehicles

considered as private passenger autos in RULE 2 if:

1. They are written on a specified auto basis; and

2. They are owned by an individual or by spouses who are residents in the same household. Both spouses who are residents in the same household may be listed as named insureds on the declarations page.

B. A Personal Auto Policy will be used to provide coverage to private passenger autos, pickups, and vans that are

owned jointly by two or more:

1. Resident relatives other than spouses; or

2. Resident individuals; or

3. Non-resident relatives, including non-resident spouses; if:

a. They are written on a specified auto basis; and

b. The Joint Ownership Coverage endorsement is attached.

C. A Personal Auto Policy will be used to provide coverage to motor homes if:

1. They are written on a specified vehicle basis;

2. They are owned by an individual, by spouses who are residents of the same household, or by two or more resident relatives; and

3. The Miscellaneous Type Vehicle Endorsement is attached.

D. Private Passenger Autos owned by corporations, co-partnerships, or unincorporated associations are not

eligible.

Exception:

Private Passenger Autos owned by farm family co-partnerships or farm family corporations principally garaged on a farm or ranch shall be classified and rated in accordance with RULES 3 and 4, provided that vehicle is not used in an occupation other than farming or ranching.

E. A Personal Auto Policy will be used to provide coverage to farm trucks provided they meet the requirements in

RULE 1, Paragraph A. and are not used to haul for others or for hire.

F. NAMED NON-OWNER PP 03 22

A Personal Auto Policy may be used to provide coverage to a named individual who does not own an auto. The named non-owner coverage endorsement must be attached. This coverage may be used for existing accounts only. Not to be used on new business.

RULE 2 - DEFINITIONS

A. 1. PRIVATE PASSENGER AUTO

A private passenger auto is a four wheel motor vehicle, other than a truck type, owned or leased under contract for a continuous period of at least six months, and:

a. Not used as a public or livery conveyance for passengers;

b. Not rented to others; or

c. not enrolled in a personal vehicle sharing program or being used in connection with such a sharing program.

http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/PP%2003%2022%2001%2005.pdf



RULE 2 - DEFINITIONS (Continued)

2. PICKUPS AND VANS

A pickup or van shall be considered a private passenger auto, if it:

a. Is owned by an individual or by spouses who are residents of the same household;

b. Has a Gross Vehicle Weight Rating of 10,000 lbs. or less; and

c. Is not used for the delivery or transportation of goods or materials unless such use is:

1) Incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment as an Artisan (see definition of Artisan Vehicle below); or

2) For farming or ranching.

3. FEDERAL GOVERNMENT EMPLOYEES PP 03 01

A pickup or van used in the business of the United States Government, by an employee of the Government, shall be considered a private passenger auto only if:

a. It meets the conditions in 2.a., 2.b. and 2.c. above; and

b. Coverage is limited in accordance with the federal employees using autos in government business endorsement.

4. FARM FAMILY CORPORATIONS AND PARTNERSHIPS NSG-PA02

A motor vehicle owned by a farm family co-partnership or farm family corporation shall be considered a private passenger auto owned by two or more relatives who are residents of the same household if:

a. It is principally garaged on a farm or ranch; and

b. It otherwise meets the definitions in 1. and 2. above.

5. FARM TRUCK NSG-PA04

A farm truck is a truck type motor vehicle, including semi-tractors, which is used for farming purposes but is not used for pleasure, commuting to work, or hauling for hire.

6. ARTISAN VEHICLE

An artisan vehicle is a pickup, van or SUV with a Gross Vehicle Weight Rating of 10,000 lbs. or less. The use must not be for the delivery or transportation of goods or materials unless such use is incidental to the insureds business of installing, maintaining or repairing furnishings or equipment. (i.e. carpenter, electrician, plumber, plasterer, or painter)

B. AUTO as used in this manual refers to a private passenger auto or a vehicle considered as a private passenger

auto.

C. LIABILITY as used in this manual refers only to Bodily Injury and Property Damage Coverages.

D. OTHER THAN COLLISION (OTC) COVERAGE as used in this manual refers to other than collision damage

to a motor vehicle.

E. OWNED as used in this manual includes an auto leased under contract for a continuous period of at least six

months. If an auto lease contract requires the lessee to provide primary insurance for the lessor, attach the

Additional Insured-Lessor endorsement PP 03 19.

F. GROSS VEHICLE WEIGHT RATING as used in this manual refers to the maximum loaded weight for which a

single vehicle is designated, as specified by the manufacturer.


http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/NSG-PA02.pdf




RULE 3 - CLASSIFICATION DEFINITIONS

A. USE CLASSIFICATIONS

1. BUSINESS USE means that the use of the auto is required by or customarily involved in the duties of the applicant or any other person customarily operating the auto in an occupation, profession, or business other than going to or from the principal place of occupation, profession, or business.

2. FARM USE means the auto is principally garaged on a farm or ranch, and:

a. It is not customarily used in going to or from work other than farming or ranching;

b. It is not customarily used in going to or from school;

c. It is not customarily used in any occupation other than farming or ranching; and

d. A substantial portion of the insured’s income is derived from active farming or ranching.

3. PLEASURE USE means:

a. No BUSINESS USE; and

b. Personal use, including driving to or from work or school:

1) Less than 3 road miles one way; or

2) 3 or more, but less than 15 road miles one way for not more than 2 days per week or not more than 2 weeks in any 5 week period.

4. WORK LESS THAN 15 MILES means:



1) 3 or more, but less than 15 road miles one way if such usage is more than 2 days per week or more than 2 weeks per 5 week period; or

2) 15 or more, but less than 30 road miles one way for not more than 2 days per week or not more than 2 weeks in any 5 week period.

5. WORK 15 OR MORE BUT LESS THAN 30 MILES means:



1) 15 or more, but less than 30 road miles one way more than 2 days per week or more than 2 weeks in any 5 week period; or

2) 30 or more road miles one way for not more than 2 days per week or not more than 2 weeks in any 5 week period.

6. WORK 30 OR MORE MILES means personal use including driving to or from work or school 30 or more road miles one way more than 2 days per week or more than 2 weeks in any 5 week period.

7. An auto driven part way to or from work or school, such as to a railroad or bus depot, whether or not the auto is parked at the depot during the day, shall be considered as driving to or from work or school.

8. An auto used by a member of the clergy shall not be considered as used for business or driven to and from work. Rate as pleasure use.

LIABILITY COVERAGE ONLY

9. An auto used in the business of the U.S. Government by one of its employees may be classified and rated as PLEASURE USE, WORK LESS THAN 15 MILES or WORK 15 OR MORE MILES when the “Federal Employees Using Autos In Government Business” endorsement PP 03 01 is used to limit coverage.



RULE 3 - CLASSIFICATION DEFINITIONS (Continued)

B. AGE, SEX AND MARITAL STATUS CLASSIFICATIONS

1. YOUTHFUL OPERATOR means an applicant or any other operator resident in the same household as the applicant, who customarily operates the auto and is one of the following:

a. YOUTHFUL UNMARRIED FEMALE OPERATOR - unmarried female age 24 and younger;

b. YOUTHFUL MARRIED MALE OPERATOR - married male age 24 and younger;

c. YOUTHFUL UNMARRIED MALE OPERATOR - unmarried male age 24 and younger who is not an owner or principal operator; or

d. YOUTHFUL UNMARRIED MALE OWNER OR PRINCIPAL OPERATOR - unmarried male age 24 and younger who is an owner or principal operator.

2. OPERATORS AGE 50 AND OVER

a. Subject to paragraphs b. and c. below, the Operator Age shall determine the primary classification.

b. If all operators in the household are age 50 or over, the classes shall apply to all autos.

c. If there are operators in the household under age 50:

1) Any youthful operator class shall apply in accordance with the youthful operator rules.

2) Autos principally operated by an adult under age 50 shall be rated at the “All Other” or “Only Operator Female Age 30-49” Classification (unless a youthful operator classification is applicable).

3. AGE means the age attained on the last birthday.

4. MARRIED means a married person living with his or her spouse and includes a person widowed, divorced, or legally separated only if such person has custody of one or more resident children.

5. PRINCIPAL OPERATOR means:

a. An individual whose operation of the auto constitutes 50% or more of its time or mileage use is considered a principal operator.

b. Each individual who does not qualify as a principal operator as defined in a. above but whose aggregate operation of all private passenger automobiles in the household equals 50% or more of the total time or mileage use of one insured automobile is considered a principal operator for one such automobile.

c. If two or more unmarried males age 24 and younger do not individually qualify as principal operator but their combined use of the automobile constitutes 50% or more of its total time or mileage use, the automobile is considered as having a principal operator of the same age as the unmarried male age 24 and younger who is the most frequent operator. The same interpretation applies to situations involving two or more unmarried females age 24 and younger.

d. When two or more vehicles are insured for a principal operator with a youthful driver class code, the youthful operator - principal driver factor will apply to the highest rated vehicle whether principally operated or not. The all other class factor will apply to the other vehicles insured.



RULE 3 - CLASSIFICATION DEFINITIONS (Continued)

6. RESIDENT means anyone residing in the same household.

Exceptions:

a. A person in active military service with the armed forces of the United States of America is not considered a resident in the applicant’s household unless this person customarily operates the auto. This applies to military assignment after basic training.

b. If a YOUTHFUL UNMARRIED FEMALE OPERATOR is a student residing at an educational institution over 100 road miles from the address of the named insured shown on the declarations and does not have a car with her, she is rated under the “All Other” class on the highest rated vehicle. This does not apply to OTC only vehicles.

c. If a YOUTHFUL UNMARRIED MALE OPERATOR is a student residing at an educational institution over 100 road miles from the address of the named insured shown on the declarations and does not have a car with him, he is rated as if he is MARRIED. This does not apply to OTC only vehicles.

Note: For the purpose of Exception c., if the rating factor for a married youthful operator is greater than the factor for an unmarried youthful operator, use the lower factor and corresponding statistical code.

RULE 4 - CLASSIFICATION PROCEDURE

Refer to RULE 3 - CLASSIFICATION DEFINITIONS for definitions of terms used in this rule.

A. Autos owned by an individual or owned jointly by two or more relatives or resident individuals are classified as

follows:

1. PRIMARY CLASSIFICATION

a. Classify the auto according to the age, sex, and marital status of the operators, the use of the auto, and the eligibility of youthful operators Good Student classes, and

b. Determine the applicable factor from the Primary Rating Factor tables.

Note: The exposure increases considerably when a youthful driver is first learning to drive. It is therefore required that when a youthful driver can legally drive unsupervised, he or she be added to the policy as a driver and the appropriate youthful driver classification be applied on the next renewal date. There are two separate factors for youthful drivers – one factor for OTC coverage and one for all other coverage types. In the Primary Rating Factor tables, these are noted as “Other/OTC”.

2. SECONDARY CLASSIFICATION

a. Determine if the auto is:

1) A single car; or 2) Part of a multi-car risk.

b. Refer to the Safe Driver Insurance Plan to classify operators according to the provisions of the Plan.

c. Refer to the Secondary Rating Factor table to determine the appropriate factor to be added to, or subtracted from the Primary Rating Factor to determine the “Total Rating Factor”.

3. The applicable “Youthful Operator” Classifications shall be applied as follows:

Determine the number of Youthful Operators and the Primary Rating Factor for each at the Pleasure Use Classification.

a. If there are more cars than Youthful Operators, or an equal number of cars and Youthful Operators, assign operators to cars as follows:

1) Each principal Youthful Operator to the car principally operated; 2) Remaining Youthful Operators to remaining cars in the order of highest rated Youthful Operator to

the car with the highest Total Base Premium without regard to the cars operated; and 3) Any remaining cars at the appropriate No Youthful Operator classification. 4) If an insured is provided with a company vehicle, that vehicle will be considered as their primary

auto and therefore that person should not be rated on a vehicle on the policy.



RULE 4 - CLASSIFICATION PROCEDURE (Continued)

b. If there are more Youthful Operators than cars, assign Youthful Operators to cars as follows:

1) Select the Youthful Operators with the highest Pleasure Use rating factors equal to the number of cars.

2) Of those selected in paragraph 1), assign any principal operator to the cars they principally operate.

3) Of those remaining after principal operator assignment in paragraph 2), assign operators to cars in the order of highest rated Youthful Operator to the car with the highest Total Base Premium.

After assigning Youthful Operators to cars on the basis of the primary Pleasure Use factors, each factor must be adjusted for the actual car use before determining and applying the Secondary Rating Factor.

c. If the TOTAL BASE PREMIUM is the same for each car, the classification for any youthful operator who is not the principal operator of any of the autos is applied to the auto with the lowest rated use classification.

TOTAL BASE PREMIUM is the sum of the base premiums for Bodily Injury and Property Damage Liability, Medical Payments, Other Than Collision (OTC) and Collision coverages that apply to the auto.

4. SINGLE CAR RISKS AND MULTI-CAR RISKS

a. Single Car Risks

If the number of youthful operators exceeds the number of autos, the Youthful Operator Classifications with the highest Primary Rating Factors apply. In determining such classifications, any Good Student qualification shall apply.

b. Multi-Car Risks

The applicable Multi-Car Rating Factor applies if more than one private passenger auto is owned by an individual or owned jointly by two or more resident relatives, and two or more such autos are insured in North Star for any of the following coverages:

Bodily Injury Liability, Property Damage Liability, Medical Payments, Other Than Collision (OTC) or Collision insurance. The vehicle operators must be resident relatives of the insured's household.

For purposes of this rule, a relative shall include the following persons:

Spouse; Child, adopted child, stepchild or grandchild; Parent, stepparent or grandparent; Brother or stepbrother; or Sister or stepsister.

Motor Homes, Farm Trucks, or trailers are not eligible for the Multi-Car discount and do not qualify other vehicles for the Multi-Car discount.

B. CLASSIFICATION CHANGES

Compute premium adjustments on a pro-rata basis when changes in Primary and Secondary Rating Classifications are made. This includes the addition or deletion of an operator during the policy term.

Exceptions:

1. A policy shall not be changed mid-term because of the attained age of an operator of the auto.

2. A policy shall not be changed mid-term to affect a change in the Driving Record Sub-Classification.

3. A policy shall not be changed mid-term solely due to a change in symbol assignment based on a review of loss experience for vehicle series rating by the Insurance Services Office.



RULE 5 - DISCOUNTS

A. COMPANION POLICY DISCOUNT

1. The Companion Policy Discount (for Select, Preferred and Five Star rated vehicles) applies on the auto premium for those insureds who have their Homeowners, Mobile Homeowners or Farmowners Policy with North Star Mutual Insurance Company. Tenants forms must carry a minimum amount of $30,000 on Coverage C. Apply the discount to each coverage requested on the application. There may be some variance due to rounding procedures. The vehicle operators must be resident relatives of the insured's household or students enrolled in school full time, as defined by the school. Dwelling Fire and Farm Fire policies do not apply.

2. The discount amount will be as follows: a. 22% of liability premiums (BI, PD, MP, UM) b. 20% of the premium of all other coverages.

3. The discount shall continue for each subsequent auto renewal, provided the individual continues to maintain the qualifying policy with North Star Mutual Insurance Company.

4. On existing policies, the discount will only be applied at renewal. 5. To qualify for the Companion Policy Discount, the supporting coverage must be implemented within the

following length of time after the effective date of the Personal Auto Policy: a. Homeowners – 75 days. b. Farmowners – 90 days. 6. Qualification for the Companion Policy Discount assumes that all personal autos of the insured are being

written with North Star Mutual. 7. Show the qualifying policy number in the GENERAL INFORMATION section of the application.

B. MULTI-CAR DISCOUNT

The applicable Multi-Car Rating Factor applies if more than one eligible private passenger auto is owned and operated by an individual or by two or more resident relatives and the vehicles are insured on the same policy. If the Multi-Car Discount applies, use the appropriate Multi-car rating factor shown in the Secondary Classifications table on page PA-42 of the Rating Factors and Statistical Codes.

C. HOUSEHOLD DISCOUNT

The Household Discount applies when there is only one eligible private passenger rated auto insured on the policy and a resident relative insures one or more eligible private passenger rated auto(s) on a separate policy in our company. This discount provides a - .19 rating factor which is applied to the primary rating factor. The discount may also apply if the insured only has one vehicle on the policy and is supplied a company car or has a separate commercial auto policy. It may also apply to non-traditional couples both insuring their autos with North Star on separate policies. The Household Discount and the Multi-Car Discount may not apply simultaneously on the same policy.

D. ANTI-THEFT DISCOUNT

These discounts apply to Other Than Collision (OTC) Coverage only. To qualify, the vehicle must be equipped with:

1. A hood lock which can be released only from inside the vehicle; and 2. A device meeting the criteria of either paragraph a. or b. below:

a. Alarm ONLY (Coverage Code 1) and Active Disabling Devices (Coverage Code 2) A 5% discount on Other Than Collision (OTC) Coverage will be provided on vehicles equipped with 1) alarm only devices which sound an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes, or 2) active disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as active if a separate manual step IS required to engage the device.

b. Passive Disabling Device (Coverage Code 3) A 15% discount on Other Than Collision (OTC) Coverage will be provided on vehicles equipped with passive disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as passive if a separate manual step is NOT required to engage the device.

If a vehicle is equipped with more than one qualifying device, only the single highest discount shall apply.

Refer to Company for required evidence of installation of anti-theft devices meeting the above criteria prior to granting a discount.



RULE 5 - DISCOUNTS (Continued)

E. PASSIVE RESTRAINT DISCOUNT

The following discounts apply to Medical Payments Coverage ONLY. To qualify, the private passenger auto must be equipped with a factory installed automatic occupant restraint conforming to the federal crash protection requirements, and meeting the criteria of either paragraph 1. or 2. below:

1. 20% discount will be provided when the restraint is installed in the driver-side-only position.

2. 30% discount will be provided when the restraints are installed in both front outboard seat positions.

F. ACCIDENT PREVENTION COURSE DISCOUNT (Defensive Driver)

1. A 5% Motor Vehicle Accident Prevention Course Discount shall be applied to the premiums for Bodily Injury Liability, Property Damage Liability, Medical Payments and Collision coverages provided:

a. The auto is classified and rated as a private passenger auto; and

b. The principal operator of the auto has a completion certificate, dated within the most recent 36 months, certifying successful completion of an accident prevention course approved by North Star (ATTACH PHOTOCOPY OF CERTIFICATE to application or request for discount).

The course must not be a self-instructed course and must not be required by a court order resulting from a motor vehicle violation or an alcohol or drug-related offense. An approved course shall provide for a minimum of six hours of actual classroom or field driving instruction.

2. The discount applies as follows:

a. To new and renewal policies with inception dates within the 36-month period following the course completion date.

b. Only to the motor vehicle principally operated by the insured with the course completion certificate.

c. Only once to each such motor vehicle regardless of the number of operators with course completion certificates.

3. The discount shall not apply if the operator who completed the course:

a. Is eligible for a Driver Training Classification according to the Personal Auto Manual; or

b. Has been assigned one or more points under the Safe Driver Insurance Plan as a result of accidents or convictions.

Current Business - The Accident Prevention Course Discount will be continued only if a new certificate is sent to the Home Office. The Home Office will send a notice to the agent approximately 90 days prior to the renewal date, stating that a new Accident Prevention Course Certificate is required. It is then the agent’s responsibility to forward the new certificate to the Home Office prior to the renewal notice being issued. This means that we must receive it no later than 45 days prior to the renewal date. Midterm class changes to apply the Accident Prevention Course Discount will be processed using the current date. Back dating the effective date is not permitted.

G. GOOD STUDENT DISCOUNT

The applicable Good Student Classification in the Primary Classification Rating Table applies provided:

1. The owner or operator is a full time high school, college or university student. A full time student means a student enrolled in school full time, as defined by the school.

2. A certified statement from a school official is presented to the Company on each biannual anniversary date of the policy indicating that the student has met one of the following requirements during the immediately preceding school semester:

a. Is in the upper 20% of his/her class scholastically;

b. Maintains a “B” average, or its equivalent. If the letter grading system cannot be averaged, then no grade can be below “B”;

c. When in a school maintaining a numerical grade, must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent; or

d. Student is included in a “Dean’s List”, “Honor Roll” or comparable list indicating scholastic achievement.



RULE 5 - DISCOUNTS (Continued)

3. The Good Student discount will stay in effect through age 24 even if the owner or operator is no longer a full-time student if the owner/operator graduated from Vocational School, College, or University and was eligible during the last semester attended.

Current Business - The Good Student Discount will be continued only if a new certificate is sent to the Home Office biannually. The Home Office will send a notice to the agent approximately 90 days prior to the renewal date, stating that a new Good Student Certificate is required. It is then the agent’s responsibility to forward the new certificate to the Home Office prior to the renewal notice being issued. This means that we must receive it no later than 45 days prior to the renewal date. Midterm class changes to apply the Good Student Discount will be processed using the current date. Back dating the effective date is not permitted.

H. PAID IN FULL DISCOUNT

The Paid In Full Discount allows an additional discount on the auto premium for those insureds who:

1. New Business – Pay the full auto policy premium when they apply for coverage. The payment must be submitted with the application.

2. Renewal Business – Pay their auto policy premium in full, including any previous balance due by the due date of the renewal billing notice.

If payments are refused by the bank, the Paid In Full Discount will be reversed and may be denied on future renewals.

A discount of 7% will be applied to all applicable coverages and endorsements.

RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP)

A. DEFINITIONS

1. DRIVING RECORD POINTS

a. Convictions

Points shall be assigned for convictions during the experience period for motor vehicle violations of the applicant or any other current resident operator as follows:

1) One-half point is assigned for conviction of any moving traffic violation by any driver under the age of 30 which is not assigned under one of the following paragraphs (This is limited to the first two convictions during the experience period).

2) One point shall be assigned for the conviction of any moving traffic violation resulting in:

a) Suspension or revocation of an operator's license; b) The filing of evidence of financial responsibility under any Financial Responsibility Law required

as of the effective date of the policy; or c) The third and successive convictions not qualifying under paragraphs one and four of this

section by a driver under age 30.

3) Two points shall be assigned for:

a) the accumulation of points under a State Point System or a series of convictions requiring the filing of evidence of Financial Responsibility under any Financial Responsibility Law as of the effective date of the policy; or

b) Conviction of reckless driving.

4) Three points are assigned for conviction of:

a) Driving while intoxicated or under the influence of drugs; b) Failure to stop and report when involved in an accident; c) Homicide or assault arising out of the operation of a motor vehicle; d) Driving while license is suspended or revoked; or e) Driving a motor vehicle at an excessive rate of speed and/or in a reckless manner where an

injury to person or damage to property results.

b. Accidents

Points shall be assigned for each accident that occurred during the experience period, involving the insured or operator of the vehicle, who is 50% or more at fault.



RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP) (Continued)

1) One-half point is assigned for each auto accident that results in total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision less than $2,000 for occurrences prior to 05-01-2017 or less than $2,500 for occurrences on or after 05-01-2017.

2) One point is assigned for each auto accident that results in:

a) Total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of $2,000 or more for occurrences prior to 05-01-2017 or $2,500 or more for occurrences on or after 05-01-2017; or

b) A loss experienced under the Other Than Collision (OTC) Coverage portion of the policy in which an at fault accident that would normally be paid under Collision Coverage, but glass breakage is paid under the OTC Coverage.

3) One point is assigned if, during the experience period there were two or more accidents each of which resulted in payment but have not been assigned a point under 2) above.

4) Chargeable losses resulting from the operation of a farm truck, motor home, artisan vehicle or an antique auto are subject to the provisions of the Safe Driver Insurance Plan.

Exceptions:

1) No points are assigned for accidents incurred by an operator demonstrated to be a named insured or a principal operator of an auto insured under a separate policy in this Company. In this situation the points will be assigned to the policy on which the operator is a named insured or principal operator.

2) No points are assigned for accidents occurring under the following circumstances:

a) Auto lawfully parked;

b) The applicant, owner or other resident operator involved in an accident is

(1) Determined to be 50% or less negligent, or

(2) Reimbursed for 50% or more of his or her damages by, or on behalf of persons involved in the accident;

c) Auto is struck in the rear by another vehicle and the applicant or other resident operator has not been convicted of a moving traffic violation in connection with this accident;

d) Operator of the other auto involved in the accident was convicted of a moving traffic violation and the applicant or resident operator was not convicted of a moving traffic violation in connection with the accident;

e) Auto operated by the applicant or any resident operator is struck by a “hit-and-run” vehicle, if the accident is reported to the proper authority within 24 hours by the applicant or resident operator;

f) Accidents involving damage by contact with animals or fowl;

g) Accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or falling objects;

h) Accidents occurring when using auto, regardless of ownership, in performance of a duty if the operator of the auto at the time of accident was a paid or volunteer peace officer, firefighter, operator of emergency vehicles, or member of any law enforcement agency. This exception does not include an accident occurring after the auto ceases to be used in performance of duty; or

i) The applicant or any current resident operator involved in an accident was not at fault. This exception does not apply if the applicant or resident operator was convicted of:

Homicide or assault arising out of the operations of a motor vehicle; or

Driving while intoxicated or under the influence of drugs.




c. One point is assigned if, during the experience period there was one-half point assigned under convictions and one-half point assigned under accidents.

d. Refund of Surcharged Premium

If a point has been assigned for an accident and it is later determined that the accident falls under one of the exceptions in this rule, North Star shall refund to the insured the increased portion of the premium generated by the accident.

2. EXPERIENCE PERIOD

The experience period shall be the three years immediately preceding the date of application or the preparation of the renewal. However, consideration may be given for a period of not more than five years for the following:

a. An insured who has been convicted of:

1) Homicide or assault arising out of the operation of any motor vehicle; or

2) A violation of Section 11-902 or 761 of Title 47 of the Oklahoma Statutes as being impaired by or under the influence of alcohol or intoxicating liquor or who was under the influence of any substance included in the Uniform Controlled Dangerous Substances Act;

b. An offense of reckless driving as provided for in Section 11-901 of Title 47 of Oklahoma Statutes.

A one month grace period may apply, which takes into consideration accidents or convictions within 30 days of dropping off.

B. DRIVING RECORD SUB-CLASSIFICATION

The driving record sub-classification shall be determined from the number of Driving Record Points accumulated during the 3-year experience period as follows:

Number of Driving Record Driving Record Points Sub-Classification

0 0 1 1 2 2 3 3 4 or more 4

C. MULTI-CAR RISK

1. SINGLE CAR

Points attributable to each driver shall be compiled separately and the total of all drivers shall determine the surcharge for that vehicle.

2. TWO CAR RISK

The Driving Record Sub-Classification, as determined above, shall apply to each auto as shown under the Multi-Car Section in the Secondary Table.

3. THREE OR MORE CAR RISK

Any points developed under SDIP are assigned to the two cars with the highest Total Base Premiums. The remaining autos are rated at Sub-Class O.

TOTAL BASE PREMIUM is the sum of the base premium for Bodily Injury and Property Damage Liability; Medical Payments; Other Than Collision (OTC); and Collision Coverages that apply to the auto.

D. COMBINATION ACCIDENTS AND CONVICTIONS

If a conviction and a chargeable accident result from the same occurrence, only the conviction or the accident developing the highest number of points shall be counted and the resulting rating points shall be used in determining the surcharge.




E. ADMINISTRATION OF SDIP

1. NEW BUSINESS

a. Initial information necessary to assign the proper Driving Record Sub-Classification shall be obtained from an application signed personally by the applicant.

b. The signature of the applicant on all applications received from an agent shall be certified by such agent.

2. RENEWAL BUSINESS

Information necessary to assign proper renewal Driving Record Sub-Classification shall be determined from any one or combination of the following:

a. Company’s own records;

b. Motor Vehicle records; or

c. An application signed by the applicant and producer.

RULE 7 - PREMIUM DETERMINATION

Bodily Injury and Property Damage Liability; Medical Payments, Other Than Collision (OTC) and Collision premiums are determined as follows:

A. Refer to the AUTO DISCOUNT SELECTION GUIDE to determine the eligibility requirements for the “Select”

rate. If additional criteria are met, the “Preferred” or “Five Star” discounts may be applicable.

B. Refer to the Rating Factors and Statistical Codes Rule to determine the applicable Classification, Rating Factor

and Statistical Code.

C. Refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto.

When model year is used in rating and the rates for a model year are not displayed in the rate pages, use the rates shown for the latest model year.

Refer to chart shown in RULE 10 for determination of symbols on pickups, vans, farm trucks and unlisted vehicles.

D. Refer to Territory Definitions to determine the territorial schedule code number for the location where the auto

is principally garaged.

Note: When a risk is statutorily required to have, or is eligible for, a coverage that is not available in the territory of principal garaging, use the registration address to determine the territory for that coverage.

E. Refer to Rule 9.A. to determine base rates for the desired coverage.

F. For Stated Amount Coverage multiply the rate by the limit of liability to determine the Base Premium.

G. The premium for each coverage is determined by multiplying the base rate by the appropriate rating factors.

(See RULE 8 - PREMIUM CALCULATION STEPS)

H. Apply the Undesirable Vehicle Surcharge if applicable. Refer to RULE 41.

I. When a surcharge is applicable under the Certified Risk - Financial Responsibility Laws Rule, the surcharge is

to be applied as outlined in RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP).



RULE 8 - PREMIUM CALCULATION STEPS

After each calculation, round to the nearest whole dollar. If a particular rating item is not applicable for a particular coverage or vehicle, go to the next step.

Coverages

Calculation Steps BI/PD

Liability Medical

Payments Uninsured Motorists

Other Than Collision Collision

Ext. Trans. Exp., Excess

Electrical Equip.

Base Rate

x Rating Tier Factor x x N/A x x N/A

x Territory Factor x x x x x N/A

x Model Year/Symbol Relativity N/A N/A N/A x x N/A

x Limit Factor x x x N/A N/A N/A

x Deductible Factor N/A N/A N/A x x N/A x Accident Prevention Course Discount x x N/A N/A x N/A

x Driver Class Factor (Primary +/- Secondary) x x N/A x x N/A

x Anti-Theft Discount N/A N/A N/A x N/A N/A

x Passive Restraints N/A x N/A N/A N/A N/A

x Insurance Score Factor x x x x x x

x Companion Policy Discount x x x x x x

x Paid In Full Discount x x x x x x

= Premium = = = = = =



RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES

A. BASE RATES

Coverage

Bodily Injury (25/50)

Property Damage (25,000)

Other Than Collision* ($100 Ded)

Collision** ($250 Ded)

Medical Payments

(1,000)

Non-Stacked

Uninsured Motorist (25/50)

Base Rate 89 95 310 331 27 49

*For vehicles 2008 & Prior, multiply the base OTC rate by a factor of 0.83. **For vehicles 2008 & Prior, multiply the base Collision rate by a factor of 0.83 Use ISO’s 2019 Base Model Year and Symbol Relativities to calculate physical damage premiums.

B. SPLIT LIABILITY LIMITS

B.I. Limits (000) Factor P.D. Limits Factor

25/50 1.00 25,000 1.00 50/100 1.24 50,000 1.06 100/300 1.34 100,000 1.16 300/300 1.46 250,000 1.35 250/500 1.51 500/500 1.69 **1,000/1,000 2.09

** Do Not Bind Coverage. Refer to the Home Office for eligibility. To write maximum limits, the risk should be without any accidents or violations in the past three years. Asset protection is the primary factor in high limit consideration.

C. MEDICAL PAYMENTS

Listed below are the available limits. Multiply the base rate by the limit factor shown:

Limit Factor

500 0.90 1,000 1.00 2,000 1.13 5,000 1.50 10,000 25,000

1.94 2.63



RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES (Continued)

D. UNINSURED MOTORISTS COVERAGE (Includes Underinsured Motorists Coverage) PP 04 62

1. OWNERS

a. Non-Stacked Uninsured Motorists Coverage

This form of auto insurance will be provided on a non-stacked basis, at limits not less than Financial Responsibility limits, under every auto liability policy issued, delivered, renewed, or extended in the State of Oklahoma with respect to a motor vehicle registered or principally garaged in Oklahoma. Such offer shall be made on separate selection forms approved by the Oklahoma Insurance Commissioner. The form must be presented separately from the application.

b. Increased Limits

The named insured or applicant shall be offered the option to select increased limits up to, but not exceeding, the bodily injury liability limits in the policy. If increased limits are selected by the named insured or applicant, such selection shall apply to all motor vehicles registered or principally garaged in Oklahoma and all insureds under the policy.

c. Exceptions

1) The named insured has the right to reject such coverage or select lower limits in writing. If this coverage is rejected by the named insured, or applicant, such rejection shall apply to all motor vehicles registered or principally garaged in Oklahoma and all insureds under the policy.

2) The written agreement to reject this coverage or select lower limits shall remain valid for the life of the policy unless the named insured requests this coverage or higher limits in writing.

3) The completion of a new selection form shall not be required on:

a) Subsequent renewal, reinstatement, substitute, replacement or amended policies issued to the same named insured by the same insurer or any of its affiliates; or

b) Any changes to an existing policy regardless of whether these changes create new coverage.

d. Rates

1) Basic Limits are 25/50. Refer to Rule 9.A. for base rates.

2) Increased Limits – For increased limits, multiply the base rate by the appropriate factor:

Limit (000) Factor

25/50 1.00 50/100 1.20 100/300 1.47 300/300 1.73 250/500 500/500

1.97 2.72

1,000/1,000 3.37

e. Rates for multi-car risks are on a per vehicle basis. Apply these rates to each vehicle, including the first vehicle.

f. The premium shall not be subject to modification under the provisions of any rating plan or other manual rule (except the Companion Policy Discount and Insurance Score).

2. NON-OWNERS

If a named non-owned policy is extended to provide Uninsured Motorists Coverage, the rate for such extension of coverage shall be the same rate as that shown for Owners.

http://www.northstarmutual.com/userfiles/documents/forms/policyforms/Current/PP%2004%2062%2008%2015.pdf




E. PHYSICAL DAMAGE COVERAGE FOR VEHICLES TEN MODEL YEARS OLD AND OLDER

Physical damage coverage on vehicles 10 through 19 model years of age may be written with the following minimum deductibles:

Other Than Collision (OTC) ................................................................... $100 Collision .................................................................................................. $250

Do not bind physical damage coverage on vehicles 20 model years old or older. Additional consideration may be secured from the Home Office on farm trucks and vehicles eligible for stated amount coverage.

Two color photographs from opposite diagonal corners are required for vehicles that are 19 model years old or older. (Vehicle age changes on October 1st of each year).

F. DEDUCTIBLE INSURANCE

1. DEDUCTIBLE LIABILITY INSURANCE

Deductible Liability Insurance is not available for vehicles classified and rated according to the rules of this manual.

2. OTHER THAN COLLISION (OTC) DEDUCTIBLE FACTORS

$ ACV Deductible - Multiply the base OTC rate by 1.70. $ 50 Deductible - Multiply the base OTC rate by 1.25. $ 100 Deductible - Multiply the base OTC rate by 1.00. $ 200 Deductible - Multiply the base OTC rate by 0.92. $ 250 Deductible - Multiply the base OTC rate by 0.88. $ 500 Deductible - Multiply the base OTC rate by 0.74. $1,000 Deductible - Multiply the base OTC rate by 0.63. $1,500 Deductible - Multiply the base OTC rate by 0.53. $2,000 Deductible - Multiply the base OTC rate by 0.45. $2,500 Deductible - Multiply the base OTC rate by 0..37.

3. COLLISION DEDUCTIBLE FACTORS

$ 100 Deductible - Multiply the base Collision rate by 1.30. $ 200 Deductible - Multiply the base Collision rate by 1.14. $ 250 Deductible - Multiply the base Collision rate by 1.00. $ 500 Deductible - Multiply the base Collision rate by 0.83. $1,000 Deductible - Multiply the base Collision rate by 0.67. $1,500 Deductible - Multiply the base Collision rate by 0.58. $2,000 Deductible - Multiply the base Collision rate by 0.51. $2,500 Deductible - Multiply the base Collision rate by 0.45.

4. COMMON LOSS DEDUCTIBLE – CF-2163

a. In the event that a covered loss occurs to more than one covered auto resulting from the same collision or other than collision, only the highest applicable deductible will apply.

b. In the event that a covered loss occurs as a result of one occurrence to property covered under more than one policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the number of covered property items damaged or destroyed.

The applicable North Star Mutual policies to which this provision applies are:

(1) Homeowners; (2) Farmowners; (3) Personal Automobile; (4) Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile

declarations as “Farm Use”); (5) Mobile-Homeowners; and (6) Inland Marine.

This provision will not apply:

(1) to property rented to others for a fee when that property is insured on a separate policy than the insured’s owner-occupied property;

(2) if the total loss is less than the highest deductible; or (3) if it is in the insured’s benefit that separate deductibles be applied.

http://www.northstarmutual.com/userfiles/documents/forms/policyforms/current/CF-2163%2004-17.pdf




G. SAFETY GLASS COVERAGE PP 03 15

The insured has the option to purchase Other Than Collision (OTC) coverage for repair or replacement of all damaged safety glass without regard to any deductible or minimum amount. This coverage will waive the deductible shown (safety glass only) for the OTC coverage purchased.

The words “Full Coverage Glass” (Full Cov. Glass) should be written in the other coverage section of the application or change request form. Charge the premium for the selected deductible plus the following percentage of the $100 Deductible Other Than Collision (OTC) Premium:

Additional Deductible Percentage

$ 50 10% 100 12% 200 17% 250 19% 500 20% 1,000 22% 1,500 24% 2,000 26% 2,500 28%

Full Glass coverage is not available on Farm Trucks or antique autos.




RULE 10 - SYMBOL DETERMINATION FOR PICKUPS, VANS, FARM TRUCKS AND UNLISTED VEHICLES

If the symbol for that particular vehicle is not shown in the symbol section, the physical damage premiums are based on “LIST PRICE NEW” and are assigned a symbol as follows:

(For use with 2011 and subsequent Model Year vehicles)

Symbol List Price New Symbol List Price New 01 $1 - $3,000 41 $35,001 - $36,000 02 $3,001 - $5,500 42 $36,001 - $37,000 03 $5,501 - $8,000 43 $37,001 - $38,000 04 $8,001 - $9,000 44 $38,001 - $39,000 05 $9,001 - $10,000 45 $39,001 - $40,000 06 $10,001 - $11,000 46 $40,001 - $41,250 07 $11,001 - $12,000 47 $41,251 - $42,500 08 $12,001 - $13,000 48 $42,501 - $43,750 10 $13,001 - $14,000 49 $43,751 - $45,000 11 $14,001 - $15,000 50 $45,001 - $46,250 12 $15,001 - $15,625 51 $46,251 - $47,500 13 $15,626 - $16,250 52 $47,501 - $48,750 14 $16,251 - $16,875 53 $48,751 - $50,000 15 $16,876 - $17,500 54 $50,001 - $52,500 16 $17,501 - $18,125 55 $52,501 - $55,000 17 $18,126 - $18,750 56 $55,001 - $57,500 18 $18,751 - $19,375 57 $57,501 - $60,000 19 $19,376 - $20,000 58 $60,001 - $65,000 20 $20,001 - $20,625 59 $65,001 - $70,000 21 $20,626 - $21,250 60 $70,001 - $75,000 22 $21,251 - $21,875 61 $75,001 - $80,000 23 $21,876 - $22,500 62 $80,001 - $85,000 24 $22,501 - $23,125 63 $85,001 - $90,000 25 $23,126 - $23,750 64 $90,001 - $95,000 26 $23,751 - $24,375 65 $95,001 - $100,000 27 $24,376 - $25,000 66 $100,001 - $110,000 28 $25,001 - $25,625 67 $110,001 - $120,000 29 $25,626 - $26,250 68 $120,001 - $130,000 30 $26,251 - $26,875 69 $130,001 - $140,000 31 $26,876 - $27,500 70 $140,001 - $150,000 32 $27,501 - $28,125 33 $28,126 - $28,750 71 Rating Symbol Only* 34 $28,751 - $29,375 72 Rating Symbol Only* 35 $29,376 - $30,000 73 Rating Symbol Only* 36 $30,001 - $31,000 74 Rating Symbol Only* 37 $31,001 - $32,000 75 Rating Symbol Only* 38 $32,001 - $33,000 39 $33,001 - $34,000 98 $150,001 and above** 40 $34,001 - $35,000

*Not for use in assigning price new symbols. These are Rating Symbols only. They have no corresponding price ranges and will therefore not be used as Price New Symbols. Vehicles can only be assigned these Rating Symbols via experience-based modification. **Vehicles assigned Symbol 98 will not be subject to symbol modification. Vehicles assigned Symbol 98 will be priced via Rule 11.



RULE 10 - SYMBOL DETERMINATION FOR PICKUPS, VANS, FARM TRUCKS AND UNLISTED VEHICLES (Continued)

(For use with 1989 (For use with 1990 & Prior Model thru 2010 Model Year vehicles) Year vehicles)

LIST PRICE NEW SYMBOL LIST PRICE NEW SYMBOL

$ 0- 2,100 1, 2 $ 0- 6,500 1 2,101- 2,750 3 6,501- 8,000 2 2,751- 3,700 4 8,001- 9,000 3 3,701- 5,000 5 9,001-10,000 4 5,001- 6,500 6 10,001-11,250 5 6,501- 8,000 7 11,251-12,500 6 8,001-10,000 8 12,501-13,750 7 10,001-12,500 10 13,751-15,000 8 12,501-15,000 11 15,001-16,250 10 15,001-17,500 12 16,251-17,500 11 17,501-20,000 13 17,501-18,750 12 20,001-24,000 14 18,751-20,000 13 24,001-28,000 15 20,001-22,000 14 28,001-33,000 16 22,001-24,000 15 33,001-39,000 17 24,001-26,000 16 39,001-46,000 18 26,001-28,000 17 46,001-55,000 19 28,001-30,000 18 55,001-65,000 20 30,001-33,000 19 65,001- Above 21 33,001-36,000 20 36,001-40,000 21 40,001-45,000 22 45,001-50,000 23 50,001-60,000 24 60,001-70,000 25 70,001-80,000 26 80,001-Above 27

The extra equipment on this type unit greatly affects the “LIST PRICE NEW” and it is, therefore, required that the section on the supplemental application form and/or request for change form be completed for this type unit.

Customization is excluded unless specifically insured. Refer to RULE 21 if coverage is desired for this exposure.



RULE 11 - DETERMINING PHYSICAL DAMAGE RATES FOR SYMBOLS NOT DISPLAYED ON STATE RATE PAGES

A. 2011 And Later Model Years – Symbol 98 Vehicles

Develop the Base Rates for Symbol 98 vehicles as follows:

1. Other Than Collision

a. Increase the factor for Symbol 70 by +0.74 for each $10,000 or fraction of $10,000 above $150,000 of Original Cost; and

b. Apply this factor to the Symbol 11 rate for the applicable model year.

2. Collision



B. 1990-2010 Model Years – Symbol 27 Vehicles

Develop the Base Rates for Symbol 27 vehicles as follows:

1. Other Than Collision



2. Collision





RULE 12 - EXCESS ELECTRONIC EQUIPMENT COVERAGE AND TAPES, RECORDS, DISKS AND OTHER MEDIA COVERAGE PP 03 13

(COVERAGE CODE 014)

A. COVERAGE

The policy includes $1,000 coverage for electronic equipment that reproduces, receives or transmits audio, visual or data signals which is permanently installed in the vehicle at the time of loss. Such equipment includes, but is not limited to:

1. Radios and Stereos; 2. Tape Decks; 3. Compact Disk Systems; 4. Navigation Systems; 5. Internet Access Systems; 6. Personal Computers; 7. Video Entertainment Systems; 8. Telephones; 9. Televisions; 10. Two-way Mobile Radios; 11. Scanners; or 12. Citizens Band Radios.

This sublimit may be increased to any one of the limits shown below and is subject to the Other Than Collision Deductible.

Coverage is not available for radar detectors.

B. RATING

Develop the premium independently for each covered auto as follows:

1. Excess Electronic Equipment Coverage.

a. Determine the maximum limit of liability for excess electronic equipment permanently installed in that auto. Do not include the cost of tapes, records, disks or other media in determining this limit.

Additional coverage for $200 worth of tapes, records, disks and other media applies at no additional charge when coverage is provided for increased limits for excess electronic equipment.

b. Select the premium from the table below:

Maximum Limit of Liability For Semi-Annual Premium Excess Electronic Equipment Per Auto

$1,500 $ 45 2,000 60 2,500 75 3,000 90 3,500 105 4,000 120 4,500 135 5,000 150

For limits in excess of $5,000, Refer to Company.

2. Tapes, Records, Disks and Other Media Only.

When coverage is not purchased for increased limits for excess electronic equipment, coverage for $200 worth of tapes, records, disks and other media is available for an additional premium charge of $8 per auto, per 6 month term. Attach the excess electronic equipment coverage endorsement to the policy.

C. ENDORSEMENT

Attach the excess electronic equipment coverages endorsement to the policy.




RULE 13 - NAMED NON-OWNER COVERAGE PP 03 22

A. NAMED NON-OWNER

Named Non-Owner Coverage may be used for an individual who does not own an auto but drives borrowed or rented autos. This coverage is usually applied to a temporary replacement auto.

Coverage may also be extended to the spouse and resident relatives of that named individual.

Named Non-Owner Coverage should not be used on new business.

B. INELIGIBLE

1. Persons driving other than private passenger type vehicles.

2. Operators and Employees of garages, parking lots, etc.

C. RATING

1. LIABILITY AND MEDICAL PAYMENTS

Charge the following percentage of the applicable premiums that would apply if the named individual owned an auto, using the premium determination procedures set forth in Rule 7. Premium Determination.

a. Exclusions for vehicles furnished or available for regular use apply:

Person(s) Named Percentage Charge Named Individual 40% Named Individual and Resident Relatives 60% (including Named Individual's Spouse)

b. Exclusions for vehicles furnished or available for regular use do NOT apply:


2. UNINSURED MOTORISTS COVERAGE

Charge the Non-Stacked Uninsured Motorists Coverage rate that would apply if such individual owned an auto – Refer to Rule 9.A. for base rate and Rule 9.D. for increased limit factors.

D. ENDORSEMENT

Attach the Named Non-Owner Coverage endorsement to the policy.




RULE 14 - EXTENDED NON-OWNED COVERAGE (BORROWED OR RENTED AUTOS PP 03 06

A. ELIGIBILITY

The Extended Non-Owned Coverage endorsement may be used for an individual who owns an auto but also drives borrowed or rented autos.

Coverage may also be extended to the spouse and resident relatives of that named individual.

B. INELIGIBLE

1. Persons driving other than private passenger vehicles.

2. Operators and employees of garages, parking lots, etc.

C. COVERAGE

The Personal Auto Policy (PAP) may be extended to cover Vehicles Furnished Or Available For Regular Use Except As Public Or Livery Conveyances.

Under the liability coverage section of the PAP, coverage is not provided for non-owned vehicles furnished or available for regular use. By choosing liability coverage under the Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use endorsement, liability coverage provided under the basic PAP may be extended to cover vehicles furnished or available for regular use except vehicles furnished for use as public or livery conveyances.

D. RATING

Charge the following percentage of the applicable premiums that would apply as if the insured owned the auto being covered, using the premium determination procedures set forth in Rule 7. Premium Determination.

1. Primary Liability Insurance in Effect


2. No Primary Liability Insurance is in Effect


E. ENDORSEMENT

Attach the Non-Owned Coverage - Vehicles Furnished or Available for Regular Use endorsement.




RULE 15 - EMPLOYERS NONOWNERSHIP LIABILITY NSG-PA01

A. A policy may be written, without a specific description of the motor vehicles, to cover a named insured for the

use in the business of the named insured of any private passenger auto which is being used by any employee

of the named insured where the use of such vehicle is only occasional and not frequent. Such autos may not

be owned in whole or in part, or hired or leased by, or loaned to, or registered in the name of the named insured.

B. RATING

1. Determine the estimated total number of employees of the named insured.

2. Determine the semi-annual advance premium from the table below based on the estimated total number of employees.

Total Number Bodily Injury Property Damage of Employees Limits 25/50 (000) Limit $25,000

1- 5 $12 $4 6-10 22 8

3. Increased Limits - Refer to the Increased Limits Factor Table.

4. Unless there is a great fluctuation in exposure during the policy period, the advance premium determined at the beginning of the policy term shall be the earned premium.

RULE 16 - OPTIONAL LIMITS TRANSPORTATION EXPENSES COVERAGE (TEMPORARY RENTAL EXPENSE COVERAGE) PP 03 02

The included $30/$900 limit for Transportation Expenses Coverage, due to temporary rental costs related to a covered loss, may be increased to $40/$1,200, or $50/$1,500.

A. ELIGIBILITY

Only policies providing Other Than Collision (OTC) Coverage may be provided Increased Limits Transportation Expenses Coverage. This coverage is not available for trailers.

B. RATING

The rates for this coverage are not subject to classification rating or modification by any rating plan.

Semi-Annual Rate Coverage Per Auto

$40/$1,200 Increased Limits Transportation Expenses Coverage (Coverage Code 706) ....... $13 $50/$1,500 Increased Limits Transportation Expenses Coverage (Coverage Code 706) ....... $22

Attach the Optional Limits Transportation Expenses Coverage endorsement to the policy.

RULE 17 – ROADSIDE ASSISTANCE CF-2016

A. This endorsement provides limited coverage for:

1. Emergency Road Service consisting of:

a. Mechanical First Aid (service; not parts);

b. Tire Service;

c. Battery Service; and

d. Delivery Service (gasoline, oil or water. Does not include product costs).

Note that emergency road service is limited to one service per every 72 hours and no more than a total of five services during a 12-month consecutive period.

2. Towing Service – up to 25 miles;

3. Locksmith Service; and



http://www.nstarco.com/UserFiles/File/forms/policyforms/Current/CF-2016%2003-12.pdf



RULE 17 – ROADSIDE ASSISTANCE (Continued)

4. Trip Interruption – up to $300.

Coverage applies only to those vehicles as designated on the declarations. Coverage for Emergency Road Service, Towing Service and Locksmith Service is subject to a combined per disablement occurrence limit of $150 for cars, pickups, vans and SUV’s and $300 for recreational trailers and motor homes. Utility trailers are automatically covered if being towed by a vehicle covered by Roadside Assistance.

B. This coverage may be written for Private Passenger Autos, Recreational Trailers, Motor Homes and Artisan

Vehicles that are less than 30 model years old. Exceptions may be given for vehicles 30 or more model years old if we are already providing this coverage on one or more eligible vehicles. This coverage may not be applied to classic cars, antique cars, farm trucks or semis.

C. RATING

Vehicle Type Semi-Annual Rate Per Vehicle Cars/Pickups/Vans/SUV’s $10 Recreational Trailers/Motor Homes $20

No discounts are applicable to the Roadside Assistance Rate

RULE 18 - ANTIQUE AUTOS PP 03 23

An antique auto is a motor vehicle of the private passenger type which is 25 or more years old and is maintained primarily for use in exhibitions, club activities, parades and other functions of public interest, and occasionally used for other purposes. The vehicle must have antique or historic license plates.

A. LIABILITY

Charge 40% of Private Passenger “All Other Class/Pleasure Use” base rates. The premiums are subject to the following minimum premiums:

$10 - Bodily Injury $ 5 - Property Damage

B. MEDICAL PAYMENTS, UNINSURED MOTORISTS

Charge Private Passenger “All Other Class/Pleasure Use” base rates or premiums.




RULE 18 - ANTIQUE AUTOS (Continued)

C. PHYSICAL DAMAGE (Stated Amount)

The physical damage is written on a stated amount basis. The company’s limit of loss will be the lesser of the:

1. Stated amount shown in the schedule or on the declarations;

2. Actual Cash Value of the stolen or damaged property; or

3. Amount necessary to repair or replace the property.

Antique autos owned by an individual may be written when our company provides the insurance for the person’s other eligible private passenger vehicles. Coverage is provided by issuing a separate Personal Auto Policy or by endorsement.

Attach the coverage for damage to your auto (stated amount maximum limit of liability) endorsement.

Semi-Annual Coverage Deductible Rate Per $100

Other Than Collision (OTC) $ 100 $0.53 250 0.38 500 0.33 1,000 0.27 1,500 0.23 2,000 0.20 2,500 0.18

Collision $ 250 $0.56 500 0.41 1,000 0.33 1,500 0.29 2,000 0.26 2,500 0.24

Notes:

1. Do not bind coverage on a vehicle with a value over $25,000 - Refer to the Home Office.

2. The vehicle must be insured to 100% of its full value.

3. Attach 2 color photographs of the vehicle taken from opposite diagonal corners of the vehicle.

Multi-Car discount is not applicable on antique autos nor does an antique auto qualify another vehicle for the discount. However, the following are applicable to antique autos: Accident Prevention Course discount, Insurance Score, Companion Policy discount, Anti-Theft discount and Passive Restraint discount.



RULE 19 - CLASSIC AUTOS PP 03 08

A classic auto is a motor vehicle of the private passenger type which is 10 or more years old and may be used on a regular basis. Its value is significantly higher than the average value of other autos of the same make and model year.

A. LIABILITY, MEDICAL PAYMENTS, UNINSURED MOTORISTS

Classify and rate as a private passenger auto.

B. PHYSICAL DAMAGE (Stated Amount)

1. Determine the stated amount of coverage applicable to the vehicle.

2. Based on the stated amount of the vehicle, assign a symbol using the “(For use with 2011 and subsequent Model Year vehicles)” table found in RULE 10.

3. Classify and rate as a private passenger auto using the base rate for the current model year.

The physical damage is written on a stated amount basis. The company’s limit of loss will be the lesser of the:

1. Stated amount shown in the schedule or on the declarations;

2. Actual Cash Value of the stolen or damaged property; or

3. Amount necessary to repair or replace the property.

Notes:

1. Do not bind coverage on a vehicle with a value over $25,000 - Refer to the Home Office.

2. Attach 2 color photographs of the vehicle taken from opposite diagonal corners of the vehicle.

RULE 20 - RESERVED




RULE 21 - CUSTOMIZING EQUIPMENT COVERAGE PP 03 18

Other Than Collision (OTC) and Collision coverage for customizing equipment may be purchased on a stated amount basis in excess of $1,000 for any pickup, van or other vehicle insured (except farm trucks or semis) for physical damage coverage. Refer to the Customizing Equipment Coverage (stated amount insurance) endorsement for extent of coverage.

A. This endorsement provides coverage for direct and accidental loss to custom furnishings or equipment

including, but not limited to:

1. Special carpeting and insulation, furniture or bars;

2. Facilities for cooking and sleeping;

3. Height - extending roofs;

4. Custom murals, paintings, or other decals or graphics;

5. Fog lights, running boards, clearance lights, visor, bug deflector, bed liner, or built in tool boxes of $500 or less;

6. Wheelchair lifts and handicap accessibility customizations.

The endorsement exclusions apply.

B. The cost of customizing equipment should not be considered when determining the symbol of the vehicle.

C. The customizing charge determined in this rule is the only charge for customized equipment on a vehicle.

D. The charge for customizing is made only when the Customizing Equipment Coverage (stated amount

insurance) endorsement is attached.

E. Do not bind coverage on vehicles with total values over $35,000 - Refer to the Home Office.

F. RATING

1. To determine the stated amount rate per $100 of customizing, use the following rating formula:

Base Rate for Other Than Collision or Collision x Rating Tier Factor (Dollar Round) x Territory Factor (Dollar Round) x Model Year and Symbol Relativity Factor for current model year, Symbol 3 (Dollar Round) x Deductible Factor (Dollar Round) x Applicable rate factor below (No Dollar Round. This Is The Stated Amount Rate Per $100)

Other Than Collision (OTC) - For all model years............................ 0.017 Collision - For all model years ........................................................... 0.010

2. Multiply the result of Paragraph 1. by the total desired limit of coverage. (Dollar Round) The amount of insurance must be at least 100% of the value of the customization.

3. Multiply the result of Paragraph 2. by the Driver Class Factor (Primary +/- Secondary). (Dollar Round)

4. Multiply the result of Paragraph 3. by the Insurance Score Factor. (Dollar Round)

5. Multiply the result of Paragraph 4. by the Companion Policy Discount Factor. (Dollar Round)

NOTES:

1. The Customizing Equipment Coverage (stated amount insurance) endorsement shall be attached.

2. If Other Than Collision (OTC) or Collision coverage for customizing is purchased, the vehicle must have the corresponding OTC or Collision coverage.

3. The customizing deductibles shall be the same as the vehicle deductibles.

4. If a loss occurs simultaneously to the vehicle insured, which is customized, and the customized equipment, only one deductible is applicable.

5. If customization coverage is requested, a color photograph of the interior and exterior must be enclosed.




RULE 22 - MOTOR HOMES PP 03 23 AND PP 03 28 (Motor Homes and Pickups with Permanently Attached Camping Units)

A motor home is a self-propelled land motor vehicle with a living area that is an integral part of the vehicle chassis, or a pickup with a permanently attached camper body. The living area or camper body must consist of facilities for cooking, dining, bathroom, sleeping and refrigeration.

Motor homes owned by an individual, not used for permanent living facilities, may be written when our Company provides the insurance for the insured’s other eligible private passenger vehicles. Coverage is provided by issuing a separate personal auto policy or by endorsement.

Attach the Miscellaneous Type Vehicle and the Miscellaneous Type Vehicle Amendment (Motor Homes) endorsements to the policy. Two color photographs from opposite diagonal corners are required for vehicles that are 15 model years old or older. (Vehicle age changes on October 1st of each year).

A. LIABILITY, MEDICAL PAYMENTS, UNINSURED MOTORISTS COVERAGE

1. To or from work - Classify and rate as private passenger auto.

2. Pleasure Use Only - (Not driven to or from work or school)

a. Liability Coverage - Charge 50% of the applicable “All Other Class/Pleasure Use” Private Passenger auto rate. Multi-Car Discount does not apply.

b. Medical Payments, Uninsured Motorists Coverage - Charge the “All Other Class/Pleasure Use” Private Passenger auto rate.

B. PHYSICAL DAMAGE

1. To or from work - Classify and rate as private passenger auto.

2. Pleasure Use -

a. Determine the Stated Amount Value (must be 100% of Actual Cash Value) including the value of any custom built additions and find the corresponding symbol from RULE 10. Do not bind coverage on a vehicle with a value over $100,000 - Refer to the Home Office.

b. Charge 35% of the applicable “All Other Class/Pleasure Use” rates for private passenger autos. Multi-Car Discount does not apply.

3. The limit of the company’s liability will be the lesser of:

a. The stated amount shown on the declarations; or

b. The actual cash value of the stolen or damaged property, at the time of loss; or

c. The amount necessary to replace the stolen or damaged property.

4. See RULE 9 for limitations on vehicles 10 years old or older.

5. Awnings and Cabanas -

Include the awnings and cabanas value in the stated amount of the vehicle to which they are attached. Coverage is provided without a special endorsement when OTC and Collision coverage is selected.

C. ELIGIBILITY

The following are ineligible:

1. Vehicles rented to others.

2. Vehicles used in business.

3. Converted vehicles (such as school buses).

4. Homemade vehicles.





RULE 23 - PICKUP CAMPER BODIES AND TOPPERS PP 03 08

A. DEFINITIONS

1. PICKUP CAMPER BODY

A Pickup Camper Body is a camper body:

a. If equipped with permanent type cooking and sleeping facilities; and

b. Is not permanently attached to the pickup.

2. PICKUP TOPPER OR CANOPY

A Pickup Topper or Canopy is a hard cover over the pickup box, which has windows and a door for access. It does not have facilities for cooking and sleeping. Rate as a topper unless the cost is over $1,000 in which case camper body rates apply.

B. PICKUP CAMPER BODY

1. Permanently Mounted Camper Body - Determine the combined Stated Amount Value of the pickup and camper body. Rate as a motor home.

2. Removable Camper Body - The pickup and the pickup camper body shall be listed and rated as separate units.

Rates For: Removable Pickup Camper Bodies; Toppers over $1,000.

a. Determine the Stated Amount Value (must be 100% of Actual Cash Value).

Stated Amount Semi-Annual

b. Coverage - Class 941000 Deductible Rate Per $100

Other Than Collision (OTC) $ 50 $0.54 100 0.50 250 0.41 500 0.35 1,000 0.31 1,500 0.27 2,000 0.24 2,500 0.22

Collision $100 $0.54 250 0.44 500 0.37 1,000 0.30 1,500 0.26 2,000 0.23 2,500 0.21

c. Pickups - Liability and Physical Damage: - Rate as private passenger. For non-symboled vehicles, determine a symbol based on original cost new from the tables in RULE 10.

C. PICKUP TOPPER

1. Toppers (cost $1,000 or less)

Coverage is provided without a separate charge when attached to the pick up.

2. Toppers (cost over $1,000)

Rate as a pickup camper body.




RULE 23 - PICKUP CAMPER BODIES AND TOPPERS (Continued)

D. AWNINGS AND CABANAS NSG-PA06


E. Physical Damage on units 10 through 14 years of age may be written with the following minimum deductibles.

Other Than Collision (OTC) ................................................................... $100 Collision .................................................................................................. $250

Do not bind coverage on units 15 years old or older.

RULE 24 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOS PP 03 08

A. DEFINITIONS

1. UTILITY TRAILER

A trailer designed for use with a private passenger type auto. Included are boat trailers, horse trailers, snowmobile trailers, and general purpose trailers.

2. RECREATIONAL (REC) TRAILER

A trailer equipped as living quarters, including cooking, dining, plumbing, or refrigeration facilities and designed for use with a private passenger auto. A recreational trailer may be attached by either a bumper hitch or “fifth wheel” hitch and must be less than 34 feet in length.

3. FIFTH WHEEL UNIT

A trailer with “goose-neck” hitch or trailer body which extends over a pickup bed and connects to a “fifth wheel” hitch mounted over the pickup’s rear axle. These trailers will be written according to their use as 1. or 2. above.

B. ELIGIBILITY RULES

The following utility and recreational trailers are not eligible for coverage:

1. Passenger trailers;

2. Trailers used for business purposes with any type vehicle other than a private passenger automobile;

3. Trailers used with any automobile owned or hired by the insured and not covered by like insurance in North Star;

4. A trailer used as premises for office, store or display purposes;

5. Trailers 34 feet or more in length;

6. Recreational trailers used as living quarters when another permanent residence is not used and maintained;

7. Homemade trailers;

8. Trailers seasonally located at a permanent location or site; or

9. Trailers used for ice fishing.

Trailers with a value in excess of $75,000 must be submitted to the home office to determine eligibility.





RULE 24 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOS (Continued)

C. LIABILITY

A Personal Auto Policy providing liability coverage covers trailers designed for use with a private passenger auto, pickup, van, or farm truck without additional premium charge and without specific description of the trailer.

Exceptions: Coverage is not provided for a trailer:

1. Used for business purposes with other than a private passenger auto or owned pickup, van or farm truck (except for farming purposes);

2. Used with other than an owned farm truck for other than farming purposes; or

3. When no auto is owned by the insured.

D. MEDICAL PAYMENTS

A Personal Auto Policy providing Medical Payments Coverage provides coverage for trailers without additional premium charge and without specific description of the trailer if designed for use with a private passenger auto, pickup or van.

Exceptions: Coverage is not provided for a trailer:

1. Used for business purposes with other than a private passenger, auto or owned pickup, van or farm truck;

2. When no auto is owned by the insured; or

3. Located for use as a residence or premises.



RULE 24 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOS (Continued)

E. PHYSICAL DAMAGE

Trailers are to be insured as separate items with separate premiums shown for each unit. The deductible applies separately to each unit. Attach the Coverage For Damage To Your Auto (stated amount maximum limit of liability) endorsement.

1. Recreational Trailers:

a. Other Than Collision (OTC) and Collision - Use the following rates for rec Trailers.

b. Awnings and Cabanas -


2. Light Utility Trailers.

Other Than Collision (OTC) and Collision - Use the following rates for All but Rec Trailers.

3. All Other Trailers - PP 03 08

5th wheel grain, stock or flatbed; and heavy stock or grain trailers.

Other Than Collision (OTC) and Collision - Use the following rates for All but Rec Trailers.

Determine the Stated Amount Value (must be 100% of Actual Cash Value).

Stated Amount Semi-Annual Rate Per $100 Coverage - Class 941000 Deductible All but Rec Trailers RecTrailers Other Than Collision (OTC) $ 50 $0.58 $0.63 100 0.53 0.58 250 0.43 0.53 500 0.36 0.43 1,000 0.30 0.36 1,500 0.26 0.29 2,000 0.23 0.25 2,500 0.21 0.23

Collision $ 100 $0.55 $0.55 250 0.45 0.45 500 0.38 0.38 1,000 0.30 0.30 1,500 0.26 0.26 2,000 0.23 0.23 2,500 0.21 0.21

4. Physical Damage on units 10 through 14 years of age may be written with the following minimum deductibles.

Other Than Collision (OTC) .............................................................. $100 Collision .............................................................................................. $250

Do not bind coverage on units 15 years old or older.



RULE 25 - AUTO LOAN/LEASE COVERAGE PP 03 35

A. ELIGIBILITY

A policy providing both Other Than Collision and Collision coverage may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle, and the actual cash value of the vehicle, subject to the following:

1. Auto Loan/Lease Coverage may be provided only to a new vehicle that is a private passenger auto, pickup or van; and

2. The insured must request the auto loan/lease coverage within 30 days of leasing or financing a new vehicle.

3. Coverage may be provided on new business if the vehicle is 2 or less model years old and proof coverage was provided on prior policy.

A new vehicle as used in this rule is a vehicle that has not previously been titled under the motor vehicle laws of any state.

B. RATES

Charge 7% of both the Other Than Collision and Collision Coverage premiums for the auto loan/lease coverage.

C. Coverage does not apply to:

1. Overdue payments;

2. Financial penalties assessed for excessive use, abnormal wear and tear or high mileage;

3. Security deposits not refunded by a lessor;

4. Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the loan or lease; and

5. Carry over balances from previous loans or leases.

RULE 26 - TRUSTS AS ADDITIONAL INSUREDS PP 13 03

A. TRUSTS

A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos in Rule 2 if title to the vehicle(s) has been transferred to a trust, subject to the following requirements

1, The grantor of the trust must be: a. An individual or spouses; and b. The only named insured(s) shown on the declarations.

2. All vehicles insured under the policy must be owned by the trust.

3. The trust will be shown as an additional insured on the declarations.

4. A vehicle owned by a trust, in which the grantor is a corporate entity, is not eligible under the Personal Auto Program, but may be written under a Commercial Auto policy.

B. ENDORSEMENT

Attach the Trust Endorsement PP 13 03 to the policy. There is no charge for this endorsement.

RULE 27 - WHOLE DOLLAR PREMIUM

The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy.

A premium involving $0.50 or more shall be rounded to the next higher whole dollar.

This procedure shall apply to all interim premium adjustments, including endorsements or cancellations.


http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/PP%2013%2003%2001%2005.pdf



RULE 28 - POLICY PERIOD AND CONTINUATION

A. The premium for a policy shall be determined only on a semi-annual basis.

B. The premium for successive periods shall be determined on the basis of the rules and premiums in effect on

the date of the continuation.

C. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only a cover page,

declarations, new identification card(s), and forms that are new or revised. Policyholders may receive all policy

forms upon request.

D. When a policy is bound on the 29th, 30th or 31st of any month, the first policy period may run from the date the

policy is bound to the first date of the calendar month following the first policy period. Premium for the extended

coverage of one to three days will be waived.

E. When a policy has been issued there is no flat cancellation. When a policy is cancelled, it is on a pro rata basis.

This is applicable if the policy is cancelled at the request of the insured or the company.

RULE 29 - RATE CHANGE

When a rate change is made, the new manual pages are forwarded to the agents approximately a week to ten days before the effective date of the change. The effective date of the policy, rewrite, and/or endorsement, is the governing factor in determining which rates are to be used. The effective date of the rate change will be pointed out in the Manual Revision accompanying the new rate pages. Policies and endorsements showing this date or a later date will receive the new rates.

Endorsements that are made during the policy term will be made with the rates that are effective at the time of change.

RULE 30 - CHANGES

A. All changes requiring premium adjustments shall be computed pro rata.

B. North Star will not refund a return premium of less than $5 if the insured requests the following:

1. Cancellation of coverage; 2. Reduction of limits of liability; or 3. Increase in Deductible,

except that actual return premium shall be returned at the request of the insured.

C. Any endorsement added mid-term that restricts or eliminates coverage must be signed and dated by the insured

per Oklahoma Rules 365-15-1-3(b)(20).

RULE 31 - PRO RATA CHANGES

Changes made mid-term will be computed on a pro rata basis.



RULE 32 - RATING TERRITORIES AND FACTORS

A. A rating territory is a geographical area defined in terms of U.S. Postal Service (USPS) ZIP codes, as shown

on the Territory Definitions pages.

1. Determine the applicable rating territory based on the zip code of the location of principal garaging of the vehicle. If the ZIP code of the mailing address differs from the ZIP code of the location of principal garaging, use the ZIP code of the garaging location to assign the rating territory.

2. As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this new ZIP code is not yet listed in the Territory Definitions, use the ZIP code that formerly applied to the risk before the ZIP code boundaries were changed in order to determine the rating territory for a risk located in the new ZIP code.

B. TERRITORY FACTORS

The following table displays the rating factors applicable to each territory:

Territory Bodily Injury

Property Damage

Other Than

Collision Collision Medical

Payments

Non-Stacked Uninsured Motorist

51 – see ZIP Code Listing 1.70 1.33 0.91 1.17 1.26 1.00
















RULE 33 - APPLICATION PROCEDURE

Coverage may be bound subject to the underwriting requirements contained throughout this manual. When an application is prepared it shall be sent to our office the same day if coverage is to begin immediately. The policy term begins at 12:01 A.M. at the address of the insured on the effective date; however, coverage will not begin prior to the time the application is prepared. If coverage is bound, do not hold the application pending receipt of additional information from the applicant. The application should be submitted with a notation indicating that additional information will follow.

Applications should be completed in detail, including all accidents regardless of fault. It is mandatory that all applications be signed by the applicant and the agent. List the names and dates of birth for all drivers and household members regardless of age.

The Farm Truck Supplemental Application is required for all Farm Trucks. Information on their use and equipment is essential to determine the correct classification and rating.

When an application is received and coverage is bound, a policy will be issued. If it is determined that the company underwriting requirements are not met, the policy will be mailed and a cancellation notice issued with a pro rata earned premium charged. Flat cancellations are not permitted.



RULE 34 - QUESTIONABLE APPLICANTS

If an agent wants to determine if an applicant is acceptable, he may submit a signed application, indicating COVERAGE NOT BOUND, and we will conduct our underwriting review. It is important to furnish complete information on the questionability of the applicant with the application. Upon completion of our review, we will advise if the applicant is acceptable. The application will be retained in our office.

RULE 35 - INSTALLMENT PREMIUM PAYMENT OPTION

Refer to the BILLING INFORMATION Section of the manual for specifics on the installment billing option.

RULE 36 - RESERVED



RULE 37 - CANCELLATION/NONRENEWAL

A. COMPANY

The company has the option to cancel or non-renew the policy in accordance with State Statutes and Policy Conditions by giving the required advance written notice. North Star shall give at least ten (10) days notice prior to the date of cancellation and twenty (20) days notice prior to the date of non-renewal.

B. INSUREDS REQUEST

The policy may be cancelled by the Named Insured by:

1. Surrendering the policy with the latest copy of the declarations to the company or any of its authorized agents; or

2. Mailing to the company written signed notice stating when thereafter the cancellation shall be effective.

Back dating of the effective date is not permitted.

C. PRO RATA CANCELLATION

All policies cancelled by the company or at the Named Insureds request shall be cancelled on a pro rata basis.

RULE 38 - SUSPENSION

If an insured lays up or stores his vehicle for a period in excess of thirty (30) days, all coverages, other than Other Than Collision (OTC), may be cancelled from the policy on a pro rata basis provided the Home Office is notified at the time the vehicle is laid up or stored. If the policy does not provide OTC coverage, the entire contract will be cancelled on a pro rata basis. Suspension coverage is not available. If the casualty coverages are cancelled, OTC is the only coverage that can be continued. OTC coverage cannot be continued if the casualty coverages are with some other company unless the insured has a business in which all his liability exposures are covered under a single liability policy. This is subject to the regulations of the state in which the insured resides.

This will not change our underwriting requirements in that policies will not be issued without Bodily Injury or Property Damage, unless, as stated above, the insured has a business in which all his liability exposures are covered under a single liability policy or casualty coverages are provided by the insured’s employer. If a policy does not include Bodily Injury or Property Damage, the policy cover sheet must be stamped or printed with the words “THIS POLICY DOES NOT PROVIDE BODILY INJURY AND PROPERTY DAMAGE LIABILITY COVERAGES.” The words shall be stamped in red ink with not less than 14-point hollow type letters. (O.S. 36-3616)

Liability Coverage may be suspended at the request of the insured only if the insured has filed an affidavit with the appropriate motor vehicle license agent stating that the owned vehicle will not be operated during the period of suspension.



RULE 39 - ELIGIBILITY - VEHICLES AND DRIVERS

The following are not eligible:

A. VEHICLE USE OR CHARACTERISTICS

1. Ambulances and hearses 2. Amphibious autos 3. Driver training 4. Dune buggies and hot rods 5. Emergency vehicles (police patrol and trouble cars) 6. Motorcycles, motor bikes, motor scooters, ATV’s, golf carts & snowmobiles 7. Salvage vehicle 8. Common or contract passenger hauling including hotels, airports, taxi cabs, public or livery conveyance,

transportation network, or vehicles held for rental 9. Vehicles owned by garages, service stations and auto dealers 10. Demonstrators or vehicles held for sale 11. Hauling of explosives, such as dynamite, fireworks, ammunition, anhydrous ammonia or nitroglycerin 12. Transportation of entertainers, dance bands, circuses and shows 13. Fast food, film, newspaper, pizza delivery, or ice cream sales 14. Vehicles over 10,000 GVW, except farm trucks 15. Brokered risks 16. Rolling stores 17. Vehicles powered by LP gas 18. An auto 20 or more years old is unacceptable unless it is a secondary vehicle and in excellent condition 19. Homemade units 20. Converted school buses 21. Day care vans/vehicles 22. stand-alone Farm Trucks 23. some electric type vehicles (golf carts) 24. fish house trailers 25. rental trucks with Gross Vehicle Weight over 26,000 lbs. 26. any vehicle used for hire. 27. any risk where the applicant has an outstanding premium balance from a prior North Star policy.

B. APPLICANTS OR DRIVERS

1. Convicted of a felony involving the use of a motor vehicle;

2. Without a valid driver’s license in this state (unless they have established a permanent residence in the state within the last 60 days);

3. Desiring coverage for terms o less than 6 months;

4. Engaged in illicit business;

5. Requiring a financial responsibility filing (SR-22);

6. Who cannot read or understand road signs;

7. With impairments which affect the safe operation of the vehicle;

8. In the household with serious traffic convictions during the last 5 years. (non-serious convictions include - failure to yield, stop sign or signal, speed 10 m.p.h. or less over posted speed limit);

9. Who are owners or principal operators under age 23 unless:

a. Married;

b. Homeowners; or

c. Unmarried and residing with their parents whose automobiles are also insured by our company;

10. Without prior insurance coverage (unless they did not own a vehicle and they are an experienced driver); or

11. Who had their drivers license suspended or revoked within the past 36 months.

12. who have been cancelled, nonrenewed by other carriers, or have open claims with another carrier.

C. ACCIDENTS AND CONVICTIONS

Refer to the AUTO DISCOUNT SELECTION GUIDE found in RULE 42.



RULE 40 - RESERVED FOR FUTURE USE

RULE 41 - UNDESIRABLE VEHICLES

Principal operators under the age of 30 assigned to any vehicles which are on the Undesirable vehicles list will generally not be written. In the event one is written when special conditions are met, the surcharges stated on the top of the list may be applied depending on driving record and loss history.

15% SURCHARGE (FIVE STAR) 20% SURCHARGE (PREFERRED) 30% SURCHARGE (SELECT)

MAKE MODEL MAKE MODEL

Abarth-Fiat All Models Abarth All Models Alpha Romeo GT Alpha Romeo Guilia Alpha Romeo Montica Alpha Romeo Sprint Alpha Romeo Veloce Alpine Allo Berlinette 1300 & 1600 AMC AMX AMC Javeline Arnolt-Bristol Roadster ASA All Models Aston Martin All Models Austin-Healy All 2-Dr. Roadsters & Cps. Avanti All Models Bay Prod. (Repli-Cars) Bugatti Custom 35B Bay Prod. (Repli-Cars) Bugatti Super 35B Bay Prod. (Repli-Cars) Gazelle Bentley All Models Bertone All Models Bizzarrini All 2-Dr. Models Biota All Models Bradley GT (Kit Car) All Models Bricklin All Models Bugatti All Models Chevrolet Camaro IROC-Z Chevrolet Camaro Z28 & Berlinetta Chevrolet Corvette Chevrolet/Geo Tracker (1998 & prior) Clenet All Models Concept Centaur Mark II Costin All Models DeLorean All Models De Tomaso All Models Dodge Challenger (1978 & Prior) Dodge Charger (1975 & Prior) Dodge Viper Duesenberg All Models Excaliber All Models Ferrari All Models Fiat 2 + 2 Fiat Racers Fiat Roadsters Fiat 2-Dr. Spiders Fiat Sprint Fiat X/19 Fiber Fab All Models

Ford Mustang GT Glassic Phaeton Glassic Romulus II GTM Super 90

IAI All Models Intermeccanica All Models ISO All Models Jensen Interceptor Jensen Other Models Lamborghini All Models Lancia All Models Ligier (Repli-Car) JS2 Lotus All Models Mangusta All Models Marcos All Models Maserati All Models Matra All Models Mercedes-Benz ’69-’79 6.3 & 6.9 Sedan Merkur XR4Ti MG All 2-Dr. Roadsters Monteverdi All Models Morgan All Models Opel GT Pantera All Models Pininfarina All Models Plymouth Barracuda Plymouth Roadrunner Pontiac Fiero Pontiac Firebird/Formula Pontiac GTO (1973 & Prior) Porsche All Models Replicar Auburn Replicar Cord Replicar Duesenberg Reproduction I Kit Cars Rolls Royce All Models Saab Granturismo Saab Sonnett Shelby All Models Siva Saluki All Models Squire SS 1000 Stutz Blackhawk II All Models Sunbeam All 2 Dr. Roadsters & Coupes Triumph All 2-Dr. Roadsters & Coupes TVR All Models Volkswagen Thing



RULE 42 - RATING TIER SELECTION AND FACTORS

Purpose - The purpose of the discount program is to provide auto insurance on an equitable basis to insureds according to their accident and conviction record and other exposures. Application of the discounts are subject to Home Office approval.

Procedure - To accomplish the above we have prepared a Discount Selection Guide and rating tier factors for the Select, Preferred Discount and Five Star Discount. The rating tier factor is applied to the basic rate to determine the premium.

AUTO DISCOUNT SELECTION GUIDE

UNDERWRITING CHARACTERISTICS

A. Accidents - number per operator (last 3 years)

Select ............................ One (none for operator under 25) Preferred discount ........ One Not at Fault Five Star discount ......... One Not at Fault

B. Convictions - number per operator (non-serious-last 3 years; serious-last 5 years)

Select ............................ *One (none for operators under age 23) Preferred discount ........ *One (none for operators under age 25) Five Star discount ......... *One (none for operators under age 28)

*A Non Serious Conviction is a minor traffic violation, such as failure to yield, stop sign or signal, and speed 10 mph or less over the posted speed limit.

*A Serious Conviction is a major traffic violation, such as driving while impaired, reckless driving, and major speed violations

C. Total Occurrences (accidents and convictions) - number per insured household (last 3 years)

Select ............................ Two (multi-car), One (single car) Preferred discount ....... Two (multi-car), One (single car) Five Star discount ........ One Not at Fault or One Non Serious Violation (drivers age 28 or older)

The two occurrences may not be for the same operator.

D. Any automobile more than _______ years old is unacceptable unless it is a secondary vehicle and in good

condition.

Select ............................ 25 years Preferred discount ....... 20 years Five Star discount ........ 15 years

E. RATING TIER FACTORS

Rating Tier Bodily Injury

Property Damage

Other Than

Collision Collision Medical

Payments

Five Star Discount 1.00 1.00 1.00 1.00 1.00

Preferred Discount 1.16 1.16 1.16 1.16 1.16

Select 1.37 1.37 1.37 1.37 1.37

*Reminder – Do not bind applicants age 75 and older. Consideration will be given by the Auto Underwriting

Department on a non-bound basis if the applicant furnishes an ACORD Medical Statement. This must be completed by the applicant in the applicant’s own handwriting.



RULE 43 - INSURANCE SCORE

A. A rating factor from the table below will be applied to all coverages based on the insurance score of a named

insured. The insurance score, using the Standard Auto Model from LexisNexis, is developed from credit related

information including: types of accounts, balances, dates opened, and account activity, plus public records

items such as judgments and liens and inquiries initiated by the insured.

Insurance Score Rating Factor Insurance Score Rating Factor

Below 350 1.50 710-719 0.92

350-359 1.50 720-729 0.90

360-369 1.50 730-739 0.89

370-379 1.50 740-749 0.87

380-389 1.50 750-759 0.84

390-399 1.50 760-769 0.82

400-409 1.50 770-779 0.80

410-419 1.50 780-789 0.79

420-429 1.50 790-799 0.78

430-439 1.50 800-809 0.77

440-449 1.50 810-819 0.76

450-459 1.50 820-829 0.75

460-469 1.50 830-839 0.74

470-479 1.50 840-849 0.73

480-489 1.48 850-859 0.72

490-499 1.45 860-869 0.71

500-509 1.42 870-879 0.70

510-519 1.38 880-889 0.70

520-529 1.34 890-899 0.70

530-539 1.31 900-909 0.70

540-549 1.30 910-919 0.70

550-559 1.28 920-929 0.69

560-569 1.23 930-939 0.69

570-579 1.22 940-949 0.69

580-589 1.20 950-959 0.69

590-599 1.18 960-969 0.69

600-609 1.13 970-979 0.69

610-619 1.12 980-989 0.69

620-629 1.11 990-997 0.69

630-639 1.09 998 No Hits – under age 50 1.00

640-649 1.06 998 No Hits – age 50-74 0.94

650-659 1.00 998 No Hits – over age 74 0.89

660-669 0.99 999 No Score – under age 50 1.00

670-679 0.98 999 No Score – age 50-74 0.96

680-689 0.97 999 No Score – over age 74 0.89

690-699 0.95 Neutral 1.00

700-709 0.93



RULE 43 - INSURANCE SCORE (Continued)

B. Application of the Insurance Score

1. The insurance score will be applied to all new business and to existing policies at renewal.

2. A statement to indicate an insurance score has been used will be shown on the policy declaration when an insurance score is used.

3. The insurance score used, including No Score, will apply for a minimum of 12 months except in cases where corrections have been made for errors in the insured's credit history file with the national credit bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy term.

4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal. However, we do not need to obtain the updated insurance score more frequently than once in a 12-month period.

5. A No Score will continue to apply to a policy except in cases where an insurance score is obtained from a national credit bureau. If an insurance score is returned, it will apply.

6. In order to comply with statute, a Neutral score from LexisNexis’ Standard Auto Model indicates that the insured's credit report has been influenced negatively by an extenuating life circumstance such as catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.

7. If the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.04 per six-month policy period.

RULE 44 - RESERVED



RATING FACTORS AND STATISTICAL CODES PRIMARY CLASSIFICATIONS

NO YOUTHFUL OPERATOR

DRIVE TO OR FROM WORK

Age and Sex

Pleasure less than 3 Miles

3 or more, but less than

15 Miles

15 or More, but less than

30 Miles 30 or More

Miles Business

Use Farm Use

Operator Age 79 or Over

8201 1.00

8202 1.00

8203 1.15

8204 1.15

8208 1.25

8209 .81

Operator Age 78

8051 .97

8052 .97

8053 1.12

8054 1.12

8058 1.23

8059 .78

Operator Age 77

8041 .94

8042 .94

8043 1.09

8044 1.09

8048 1.21

8049 .75

Operator Age 76

8141 .91

8142 .91

8143 1.06

8144 1.06

8148 1.19

8149 .72

Operator Age 75

8121 .88

8122 .88

8123 1.03

8124 1.03

8128 1.17

8129 .68

Operator Age 65 - 74

8801 .85

8802 .85

8803 1.00

8804 1.00

8808 1.15

8809 .65

Operator Age 50 - 64

8851 .85

8852 .85

8853 1.00

8854 1.00

8858 1.15

8859 .65

Only Oper in Hshld Female Age 30 – 49

8861 .98

8862 .98

8863 1.13

8864 1.13

8868 1.28

8869 .81

All Other

8871 .98

8872 .98

8873 1.13

8874 1.13

8878 1.28

8879 .81



RATING FACTORS AND STATISTICAL CODES (Continued) PRIMARY CLASSIFICATIONS

YOUTHFUL UNMARRIED OPERATOR

This table contains separate factors for all applicable coverage types other than OTC (Other) and OTC.

FACTORS SHOWN INCLUDE DRIVER TRAINING CREDIT

AGE OF

DRIVER

NOT OWNER OR PRINCIPAL OPERATOR OWNER OR PRINCIPAL OPERATOR

Not Eligible For Good Student

Eligible For Good Student



Pleasure Use or Farm Use Other/OTC

Drive to Work Business Use Other/OTC







Single FEMALE 17 or less 8064 1.75/1.40

8065 1.90/1.50

8066 1.55/1.25

8067 1.70/1.35

8164 2.20/1.70

8165 2.35/1.85

8166 1.90/1.50

8167 2.05/1.60

Single FEMALE 18 8074 1.75/1.40

8075 1.90/1.50

8076 1.55/1.25

8077 1.70/1.35

8174 2.20/1.70

8175 2.35/1.85

8176 1.90/1.50

8177 2.05/1.60

Single FEMALE 19 8084 1.55/1.25

8085 1.70/1.35

8086 1.40/1.10

8087 1.55/1.25

8184 1.80/1.40

8185 2.05/1.60

8186 1.65/1.30

8187 1.75/1.35

Single FEMALE 20 8094 1.55/1.25

8095 1.70/1.35

8096 1.40/1.10

8097 1.55/1.25

8194 1.80/1.40

8195 2.05/1.60

8196 1.65/1.30

8197 1.75/1.35

Single FEMALE 21 8264 1.40/1.10

8265 1.56/1.25

8266 1.30/1.05

8267 1.46/1.15

8364 1.55/1.25

8365 1.70/1.35

8366 1.35/1.10

8367 1.50/1.20

Single FEMALE 22 8274 1.40/1.10

8275 1.56/1.25

8276 1.30/1.05

8277 1.46/1.15

8374 1.55/1.25

8375 1.70/1.35

8376 1.35/1.10

8377 1.50/1.20

Single FEMALE 23 8284 1.14/1.00

8285 1.30/1.05

8286 1.14/1.00

8287 1.25/1.00

8384 1.30/1.05

8385 1.35/1.10

8386 1.14/1.00

8387 1.25/1.00

Single FEMALE 24 8294 1.14/1.00

8295 1.30/1.05

8296 1.14/1.00

8297 1.25/1.00

8394 1.30/1.05

8395 1.35/1.10

8396 1.14/1.00

8397 1.25/1.00

Single MALE 17 or less 8460 2.00/1.60

8463 2.15/1.70

8466 1.75/1.40

8468 1.90/1.50

8660 2.60/2.15

8663 2.75/2.30

8666 2.10/1.75

8668 2.25/1.90

Single MALE 18 8470 2.00/1.60

8473 2.15/1.70

8476 1.75/1.40

8478 1.90/1.50

8670 2.60/2.15

8673 2.75/2.30

8676 2.10/1.75

8678 2.25/1.90

Single MALE 19 8480 1.85/1.50

8483 2.00/1.60

8486 1.60/1.30

8488 1.75/1.40

8680 2.20/1.85

8683 2.30/1.90

8686 1.90/1.60

8688 2.05/1.70

Single MALE 20 8490 1.85/1.50

8493 2.00/1.60

8496 1.60/1.30

8498 1.75/1.40

8690 2.20/1.85

8693 2.30/1.90

8696 1.90/1.60

8698 2.05/1.70

Single MALE 21 8560 1.40/1.10

8563 1.56/1.25

8566 1.30/1.05

8568 1.46/1.15

8760 1.75/1.50

8763 2.00/1.70

8766 1.45/1.25

8768 1.70/1.45

Single MALE 22 8570 1.40/1.10

8573 1.56/1.25

8576 1.30/1.05

8578 1.46/1.15

8770 1.75/1.50

8773 2.00/1.70

8776 1.45/1.25

8778 1.70/1.45

Single MALE 23 8580 1.20/1.00

8583 1.30/1.05

8586 1.14/1.00

8588 1.25/1.00

8780 1.41/1.15

8783 1.46/1.15

8786 1.30/1.05

8788 1.35/1.10

Single MALE 24 8590 1.20/1.00

8593 1.30/1.05

8596 1.14/1.00

8598 1.25/1.00

8790 1.41/1.15

8793 1.46/1.15

8796 1.30/1.05

8798 1.35/1.10



RATING FACTORS AND STATISTICAL CODES (Continued) PRIMARY CLASSIFICATIONS

YOUTHFUL OPERATOR - MARRIED MALE

This table contains separate factors for all applicable coverage types other than OTC (Other) and OTC.

FACTORS SHOWN INCLUDE DRIVER TRAINING CREDIT

AGE OF

DRIVER




Drive to Work Business Use

Other/OTC


Drive to Work Business Use

Other/OTC

17 or less 8964 1.85/1.50

8965 2.00/1.60

8966 1.50/1.20

8967 1.65/1.30

18 8974 1.85/1.50

8975 2.00/1.60

8976 1.50/1.20

8977 1.65/1.30

19 8984 1.50/1.20

8985 1.65/1.30

8986 1.25/1.00

8987 1.35/1.10

20 8994 1.50/1.20

8995 1.65/1.30

8996 1.25/1.00

8997 1.35/1.10

21 8960 1.15/1.00

8961 1.30/1.05

8962 1.00/1.00

8963 1.10/1.00

22 8970 1.15/1.00

8971 1.30/1.05

8972 1.00/1.00

8973 1.10/1.00

23 8980 1.05/1.00

8981 1.15/1.00

8982 1.00/1.00

8983 1.05/1.00

24 8990 1.05/1.00

8991 1.15/1.00

8992 1.00/1.00

8993 1.05/1.00

RATING FACTORS AND STATISTICAL CODES SECONDARY CLASSIFICATIONS

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition, or subtraction, of the appropriate Factor from the applicable table below to the Primary Rating Factor.

Secondary Rating Factors are applicable on Liability, Medical Payments, OTC, and Collision Coverages.

SUB-CLASS

VEHICLE TYPE 0 1 2 3 4

Single Car 10 11 12 13 14 0.00 +0.30 +0.90 +1.70 +3.20

Multi-Car 20 21 22 23 24 -0.19 -0.04 +0.27 +0.77 +1.94



FARM TRUCK RATING FACTOR TABLE Size Class Size Class Size Class Size Class 0-10,000 lbs. GVW 10,001-20,000 lbs. GVW 20,001-45,000 lbs. GVW Over 45,000 lbs. GVW RADIUS & USE LIGHT TRUCKS MEDIUM TRUCKS HEAVY TRUCKS X-HEAVY TRUCKS

Radius - 100 Miles or less 8001 8002 8003 8004 and Annual Mileage - 5,000 0.14 0.14 0.14 0.29 or less, and Not used for Beets or Potatoes

Radius - over 100 Miles 8011 8012 8013 8014 or Annual Mileage - over 0.20 0.20 0.26 0.38 5,000, or Hauls Beets or Potatoes

Must have personal vehicles or supporting farm coverage insured with North Star.

PREMIUM DETERMINATION

A. BODILY INJURY, PROPERTY DAMAGE LIABILITY and MEDICAL PAYMENTS

Apply the appropriate factor to the Private Passenger base rate. (See paragraph D.)

B. OTHER THAN COLLISION (OTC) and COLLISION

Determine the symbol from RULE 10.

Apply the appropriate factor to the Private Passenger base rate. (See paragraph D.)

C. UNINSURED MOTORISTS

Use the private passenger rates.

The Farm Truck factors do not apply.

D. When North Star insures the insureds private passenger cars and pickups, the Farm Trucks may qualify for the

same Rating Tier Factor (Rule 42) as is applied to those vehicles if the truck is:

1. Driven 5,000 miles or less annually; and

2. Not used to haul beets or potatoes.

Trucks exceeding allowable mileage must be rated in Select.

E. The Farm Truck Rates take into consideration the seasonal usage of these vehicles and a lay-up credit is

included. Therefore cancellation for seasonal usage is not permitted.

F. Farm Trucks are not subject to other classification rating rules. (The Multi-Car Discount does not apply. Farm

Trucks do not qualify other vehicles for the Multi-Car Discount.)

G. Refer to RULE 5 for application of the Companion Policy Discount.

H. Semi Tractors and trailers. Do not bind coverage. Eligible only when North Star insures the insured's Private

Passenger Cars and Pickups. Apply the X-Heavy Factor to the Private Passenger base rate.

I. Attach Form CF-1164 Farm Truck Supplement.

ARTISAN RATING FACTOR

Artisan Pickups, Vans and SUV’s ............................................... Class 8021 Factor .95

LIABILITY, MEDICAL PAYMENTS, OTHER THAN COLLISION (OTC), COLLISION, UNINSURED MOTORISTS COVERAGES are available.

PREMIUM DETERMINATION - Apply the factor (Primary +/- Secondary) to the Private Passenger auto rates. Refer to RULE 42 for the Rating Tier Factor. Refer to RULE 5 for the Companion Policy Discount. (This class is not applicable if the vehicle is operated by a driver age 22 or younger.)

Vehicles under the Artisan Program cannot be titled in a business or corporation name.



SCHEDULE OF ENDORSEMENTS

Form Number Title Use

NSG-PA01 Employers Non Ownership Liability Employers

PP 00 01 Personal Auto Policy Basic Policy

NSG-PA02 Corporation As Named Insured Family Farm Corporations

NSG-PA03 Pollution Exclusion and Limited Farm Pollution Pollution Exclusion/Supplementary

and Clean Up Coverage Payment Provision

NSG-PA04 Amendment of Policy Definitions Farm Truck Definition

NSG-PA06 Amendment of Part D - Coverage For Damage Awning or Cabana Coverage

To Your Auto

PP 01 71 Amendment of Policy Provisions – Oklahoma State Requirement

PP 03 01 Federal Employees Using Autos In Government Rural Mail Carrier, etc.

Business

PP 03 02 Optional Limits Transportation Expenses Coverage Rental Reimbursement

PP 03 05 Loss Payable Clause To Name Lienholder

PP 03 06 Extended Non-Owned Coverage Coverage for Driving Other Autos

PP 03 07 Trailer/Camper Body Coverage Coverage for Awnings, Cabanas etc. on Recreational Vehicles

PP 03 08 Coverage For Damage To Your Auto Stated Amount Coverage

PP 03 13 Excess Electronic Equipment Coverage and Tapes, Electronic Equipment

Records, Disks and Other Media Coverage

PP 03 18 Customizing Equipment Coverage Stated Amount - Customized Vehicle

PP 03 19 Additional Insured - Lessor Name a Lessor

PP 03 22 Named Non-Owner Coverage Insured Does Not Own a Vehicle

PP 03 23 Miscellaneous Type Vehicle Endorsement Motorhomes, Antiques

PP 03 28 Miscellaneous Type Vehicle Endorsement Motorhome Coverage

(Motor Homes)

PP 04 62 Uninsured Motorists Coverage – Oklahoma Uninsured Motorist Coverage

PP 13 03 Trust Endorsement Additional Insureds

PP 13 84 Oklahoma Notice Fraud Notice

CF-1402 Agreement Policy Agreement and Index

CF-1708 Mutual Policy Conditions State Requirement

CF-2016 Roadside Assistance Roadside Assistance Coverage

PP 23 37 Joint Ownership Coverage – Oklahoma Other than Insured and Spouse


North Star Mutual Ins. Co. T-1 Renewals 05-01-19

TERRITORY DEFINITIONS OKLAHOMA State Code (35)

Oklahoma Territory rating codes are determined by the ZIP Code of the insured's principal place of residence. For alternate garaging location Territory Rating Codes - refer to the Home Office.

Territory 51 – North/West/South Oklahoma City Suburban

73002 73004 73010 73016 73018

73022 73023 73028 73031 73036

73044 73059 73065 73074 73079

73080 73089 73090 73092 73093

73095 73173 73750 73756 73762

73764 73772 74074 74075 74076

74077 74078 74820 74821 74826

74830 74831 74837 74840 74843

74852 74854 74866 74867 74873

74878 74884

Territory 52 – Cities of Arcadia and Edmond

73003 73007

73012 73013

73025 73034

73083 73105

73120 73121

73131 73134

73141 73142

73152 73156

73194

Territory 53 – Western Counties

73001 73005 73006 73009 73014 73015 73017 73021 73024 73029 73033 73038 73040 73041 73042 73043 73047 73048

73053 73056 73061 73062 73063 73073 73077 73096 73442 73520 73521 73522 73523 73526 73529 73530 73531 73532

73537 73538 73539 73542 73544 73546 73547 73548 73549 73550 73551 73553 73554 73555 73556 73559 73560 73561

73562 73564 73565 73566 73568 73569 73570 73571 73572 73573 73601 73620 73622 73624 73625 73626 73627 73628

73632 73638 73639 73641 73642 73644 73645 73646 73647 73648 73650 73651 73654 73655 73658 73659 73660 73661

73662 73663 73664 73666 73667 73668 73669 73673 73716 73717 73718 73719 73720 73722 73724 73726 73727 73728

73729 73730 73731 73733 73734 73735 73736 73737 73738 73739 73741 73742 73743 73744 73746 73747 73749 73753

73754 73755 73757 73758 73759 73760 73761 73763 73766 73768 73770 73771 73773 73801 73802 73832 73834 73835

73838 73840 73841 73842 73843 73844 73848 73851 73852 73853 73855 73857 73858 73859 73860 73901 73931 73932

73933 73937 73938 73939 73942 73944 73945 73946 73947 73949 73950 73951 74630 74640 74643 74644 74651

Territory 54 – Oklahoma City

73008 73101 73102 73103 73104 73106

73107 73108 73109 73110 73111 73112

73113 73114 73115 73116 73117 73118

73119 73122 73123 73124 73125 73126

73127 73129 73132 73136 73137 73139

73140 73143 73144 73146 73147 73148

73154 73155 73157 73159 73162 73163

73164 73167 73172 73178 73184

73189 73190 73195 73196

Territory 55 – South and East Rural Oklahoma City

73011 73030 73032 73039 73052 73057 73067

73075 73082 73086 73098 73433 73434 73444

73458 73487 73488 73541 73567 74421 74422

74428 74431 74432 74437 74438 74442 74445

74447 74450 74456 74460 74461 74463 74468

74501 74502 74522 74531 74538 74554 74556

74565 74570 74825 74827 74829 74833 74839

74842 74844 74845 74848 74849 74850 74859

74860 74864 74865 74869 74871 74872 74880

74883



TERRITORY DEFINITIONS Territory 56 – Southeast Oklahoma City

73019 73020 73026

73045 73051 73066

73068 73069 73070

73071 73072 73084

73130 73135 73145

73149 73150 73153

73160 73165 73170

74857

Territory 57 – Northeast Counties

73027 73050 73058 74001 74002 74016 74020 74022 74023 74027 74032 74034

74035 74038 74042 74045 74048 74054 74056 74058 74059 74060 74062 74072

74080 74083 74084 74085 74301 74330 74331 74332 74333 74335 74338 74339

74340 74342 74343 74344 74345 74346 74347 74349 74350 74352 74354 74355

74358 74359 74360 74361 74362 74363 74364 74365 74366 74367 74368 74369

74370 74423 74427 74435 74439 74441 74444 74451 74452 74455 74457 74464

74465 74469 74470 74471 74601 74602 74604 74631 74632 74633 74636 74637

74641 74646 74647 74650 74652 74653 74824 74875 74901 74902 74931 74932

74936 74941 74945 74946 74947 74948 74953 74954 74955 74956 74959 74960

74962 74964 74965

Territory 58- Northeast Rural Oklahoma City

73049 73054 73151

74010 74026 74028

74030 74033 74039

74041 74044 74046

74047 74052 74068

74071 74079 74081

74801 74802 74804

74818 74832 74834

74851 74855 74868

74881

Territory 59 – South Central Counties

73055 73401 73402 73403 73425

73430 73435 73436 73437 73438

73439 73440 73441 73443 73446

73447 73448 73449 73453 73456

73459 73463 73481 73491 73501

73502 73527 73528 73533 73534

73536 73540 73543 73552 73558

74701 74702 74720 74730 74731

74733 74741 74747 74753

Territory 60 – Cities of Yukon, Piedmont & Mustang

73064 73078 73085 73097 73099 73128 73169 73179

Territory 61 – Southeast Counties

73432 73450 73455 73460 73461 74425 74426 74430 74440

74459 74462 74472 74521 74523 74525 74528 74529 74530

74533 74534 74535 74536 74540 74543 74545 74546

74547 74549 74552 74553 74555 74557 74558 74559 74560

74561 74562 74563 74567 74569 74571 74572 74574 74576

74577 74578 74721 74722 74723 74724 74726 74727 74728

74729 74734 74735 74736 74737 74738 74740 74743 74745

74748 74750 74752 74754 74755 74756 74759 74760 74761

74764 74766 74836 74856 74930 74935 74937 74939 74940

74942 74943 74944 74949 74951 74957 74963 74966



TERRITORY DEFINITIONS Territory 62 – Cities of Lawton & Medicine Park

73503 73505 73506 73507 73557

Territory 63 – City of Enid

73701 73702 73703 73705 73706

Territory 64 – North and East Rural Tulsa

74003 74004 74005 74006

74014 74015 74017 74018

74019 74021 74029 74031

74036 74051 74053 74055

74061 74070 74073 74082

74116 74117 74337 74401

74402 74403 74429 74434

74436 74446 74454 74458

74467 74477

Territory 65 – Cities of Sand Springs, Sapulpa, Glenpool & Bixby

74008 74011 74012

74013 74037 74043

74050 74063 74066

74067 74101 74102

74103 74107 74121

74126 74127 74130

74131 74132 74149

74156 74157 74172

74182 74186 74187

74192

Territory 66 – City of Tulsa

74104 74105 74106 74108

74110 74112 74114 74115

74119 74120 74128 74129

74133 74134 74135 74136

74137 74141 74145 74146

74147 74148 74150 74152

74153 74155 74158 74159

74169 74170 74171

74193

PERSONAL AUTO MANUAL - North Star Mutual Insurance Company

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Transcript of PERSONAL AUTO MANUAL - North Star Mutual Insurance Company