TITAN PLUS PRODUCT · PDF fileTITAN PLUS PRODUCT PERSONAL AUTO PROGRAM. ... Underwriting Rules...

TITAN PLUS PRODUCTPERSONAL AUTO PROGRAM

Michigan

Underwritten by: Titan Indemnity Company 1.800.888.8424 www.Titan.com

07/01/2017

© 2016 THI Holdings (Delaware) Inc., All Rights Reserved mi42pluwgd0717

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MI Titan General 07/2017

QUICK REFERENCE GUIDE ........................................ 1UNDERWRITING GUIDELINES

Binding Authority ...................................................... 7File Maintenance and Audit Requirements .............. 7Severe Weather Restriction ..................................... 8Program Eligibility .................................................... 9Definition of Private Passenger Automobile ............. 9Underwriting Rules ................................................... 9General Guidelines .................................................. 10Endorsements .......................................................... 11Renewals ................................................................. 11SR-22 Filings ........................................................... 11Cancellations ........................................................... 11Exclusions ................................................................ 12Material Misrepresentation ....................................... 12Tier Determination ................................................... 12Vehicle Use Definitions ............................................ 14

COVERAGE DESCRIPTION & RULES - LIABILITYAcceptable Coverage Options ................................. 15Bodily Injury Liability ................................................ 15Property Damage Liability ........................................ 15Uninsured/Underinsured Motorists Coverage .......... 15Property Protection Insurance ................................. 15Michigan LTD Property Damage Liability ................. 15250/500or 300 CSL Eligibility Requirements............ 16Personal Injury Protection ........................................ 16Non-Owner Coverage .............................................. 17

COVERAGE DESCRIPTION & RULES - PHYSICAL DAMAGEBlue Ribbon Claims ................................................. 18Comprehensive & Collision Rules ............................ 18Deductibles .............................................................. 18Loan/Lease Payoff Coverage .................................. 19

COVERAGE DESCRIPTION & RULES - ADDITIONAL COVERAGESRental Reimbursement ............................................ 20Towing Reimbursement ........................................... 20Additional Equipment ............................................... 21Accident Forgiveness ............................................... 22Minor Violation Forgiveness ..................................... 22

DISCOUNTS ................................................................. 23SURCHARGES ............................................................. 25VIOLATIONS/ACCIDENTS ........................................... 26

DIRECT BILL GUIDELINESProgram Payment Options ...................................... 27Methods of Payments .............................................. 27Rules ........................................................................ 27Fees ......................................................................... 27

APPROVED GROUPS ................................................... 28APPROVED ASSOCIATIONS ........................................ 29

TITAN PLUS ................................................................... 31

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ECONTACT US

TITAN OFFICE PHONE NUMBERSHome Office ....................................................................... 800.888.8424

GENERAL OFFICE HOURSMonday - Friday 8:00 am - 10:00 pm ESTSaturday 8:00 am - 5:00 pm EST

Report-A-Claim...................................................................... 800.926.3168Claims Office........................................................................ 800.775.4642 Monday - Friday 8 am - 7 pm

Sales Representatives Diane Ridley - Sales Manager: 810-814-8028 Carol Husaynu - Centralized Sales: 248-273-5811

Agency Tech Support.............................................................. 866.678.2397 Monday - Friday 7:30 am - 8:00 pm EST Saturday 9:00 am - 2:00 pm EST

FAX NUMBERSClaims ................................................................................. 248-244-6103Underwriting ....................................................................... 877-295-2923(Endorsements, Proof of Prior/Homeowner/Excess PIP, and all other faxes)

ADDRESSESMail UW/Apps/Trailing Documents: Titan Indemnity Company

P.O. Box 93839Cleveland, OH 44101-8760

Mail Claims: Titan Indemnity CompanyPO Box 93863Cleveland, OH 44101

WEBSITE Rating, quoting, policy servicing, and Consumer Payments: www.titan.com

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HOW DO I RATE A TITAN GENERAL PRODUCT POLICY?

OPTION ONEUse our fast, accurate, easy-to-use website. To use our online rating engine, go to www.Titan.com and login. Select “New Busi-ness” tab and click “New Quote” then Titan General product to begin rating. To obtain ID’s and passwords, select login and request a password on the website or contact Technical Support if you have any questions at 866-678-2397.

OPTION TWOCall your comparative rating service and add Titan General Product to your system today! We forward our rates to all major rating vendors. Please let us know if your vendor has not received them.

OPTION THREECall in for a quote. Call our Customer Service Unit directly at 800-888-8424. We are happy to give you a quote at any time.

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ESERVICE HIGHLIGHTS

AGENCY AUTOMATION PACKAGEFor fast and accurate rating, we offer our online rating and policy inquiry system available on our Agents wesbite at www.Titan. com. Features include fast and easy internet based rating, up-to-date access to billing information, the ability to make payments using credit card or Agent EFT, and real-time endorsement processing.

Download capabilities are available to 9 agency management systems including Applied, Agency One, Pathfinder, Pioneer Plus, MI-Assist, Doris, AMS, SIS Semci and Agena. This service will help save your agency input time and will provide your agency with accurate and timely information. If you have any questions, call Technical Support at 800-888-8424.

Both upload capabilities and daily or weekly fax reports are available. All business must be uploaded. Upload will save you time and money, and improve turnaround time. “Customer Facts” faxes will give you transaction and EFT information on all of your General policies to help you better manage your business.

ACH COMMISSION SERVICEThe company will automatically deposit your commission check directly into your account via the Automated Clearing House (ACH) system. Your commission dollars are guaranteed to be available by the 10th of every month.

ON-LINE POLICY INQUIRYAgents have access to our on-line policy inquiry system. This system provides up-to-date information regarding policy status, payments, coverage details, and all other policy related data.

To get a user ID and password, go to www.Titan.com and click on “Need a User Name” under the login button. If you prefer, you can also call tech support.

You and your insureds can also call in for an inquiry regarding policy status and billing information. This automated service is available 24 hours a day, 365 days. Call 800-888-8424.

SR-22 FILINGSYou never have to worry whether these required administrative steps are occurring in a proper and timely manner. We will handle them for your convenience. Please note that there is a $20 fully earned fee for the SR22s.

For policies that are uploaded, you have the ability to print pre-filled SR-22 filings. You simply need to check the box for the SR-22 on the Driver screen and select “Yes” when prompted to print the SR-22. Note: The application must be uploaded for the SR-22 to print. You also have the ability to reprint an SR-22 up to 5 days past the effective date of the policy.

REINSTATEMENT Policy reinstatements are prohibited.


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REWRITE OF PREVIOUSLY UPLOADED POLICIESPolicy rewrites are prohibited.

ELECTRONIC FUNDS TRANSFERConvenient and flexible for your customers

• Monthly automatic withdrawals (checking, savings, credit card)• Flexibility of choosing the withdrawal date• Down payment can be made with check, credit card, or debit card.

Enrolling the Customer into EFTFirst choose an EFT bill plan during the quoting process. During the application process, select the EFT method, (Checking, Credit/Debit Card, or Savings Account) from the drop down box. Choose the payment sweep date in the range of 17 to 31 days from the effective date of the policy. Next, enter the requested banking or credit card information before uploading the policy information and down payment. An authorization agreement will print out with the application. Please have the insured and the account holder sign this form and keep the original signed form in your file. A preliminary payment schedule specifying the amount and date of each sweep will print off with the application. A final payment schedule will be mailed to the insured after the policy has been issued. A revised payment schedule will be sent if there is a policy change that affects premium. No paper bills will be sent with the EFT payment plan.

ENDORSEMENTS BY FAX, MAIL, PHONE OR ON-LINEEndorsements can be requested by mail, fax, phone or on-line. If policy is in cancel pend status, policy must be brought current for endorsement to be processed. Simply use a standard Titan Endorsement form and drop it in the mail or fax it directly to our Underwriting Department at 877-295-2923.

Titan also offers internet endorsements on the section of our website, www.Titan.com. Agents may receive a quote on an endorsement, as well as submitting an endorsement for immediate on-line processing. All changes done on-line will be reflected in the Policy Inquiry and billing section of our website. Agents may process the following endorsements on the internet:

• Add/Change/Delete/Replace a Vehicle• Add/Change/Delete a Lienholder• Add a Driver• Change Address/Phone

RESPONSIVE CLAIMS SERVICESThe company accepts new claim reports 24 hours a day, 7 days a week. Please encourage insureds / claimants to contact us directly at 800-926-3168. In the event of an emergency claims situation, our rapid response claims service is available after hours, including weekends and holidays.

Experienced claims professionals will contact your insureds within 24 hours.

On a daily basis we produce reports for claims opened and claims paid, which are sent to each agency. These reports include the insured’s name, policy number, claim number, loss date and the handling adjuster. In addition, we produce a monthly summary report for opened and closed claims which is mailed to each agency.


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BOOK ROLL TRANSFERSTitan has a book roll team available to assist you in book transfers. Contact your Marketing Representative for more information. Titan will also honor your book roll quote for 60 days beyond the new business effective date of a rate revision.

POINT OF SALE (POS)MVR, CLUE, SVT (Specialty Validation Tool), and VIN VerificationUse your quoting system’s web point of sale (POS) features to order your customers’ MVR/ CLUE reports, SVT, and to verify their VIN. Titan’s webPOS allows you to review all data with your customers and produce the most accurate quote possible, which reduces uprates and increases customer satisfaction and retention.

MVR CHARGEBACK RULEThis service is provided at no charge, providing 80% of the MVR’s that are run by an agency during the month converting to applications. To count as a conversion, the individual on the MVR must be listed on an application submitted within 30 days of the MVR order date.

However, if less than 80% of the MVRs convert into applications, we will charge back the cost of the MVRs ordered through the rating engine. Chargeback amounts are deducted from subsequent commission statements and a detailed report is provided for reconciliation purposes. The following is an example of the charge back calculations: If an agency runs 100 MVRs during a month, but only submits applications for 60 of them (60%). The charge back amount is the difference between the threshold (80%) and the percentage submitted (60%). In this case, the agency will be charged back for 20% of the MVRs that were run (80% - 60% = 20%)The ordering of MVRs on the web rating engine helps maximize agent ease-of-use. This feature also keeps write-backs down to a minimum, giving your agency more free time to spend on writing new business.

ADDITIONAL DRIVER DISCOVERY SVT may attempt to determine whether there are additional drivers in your customer’s household. If the report indicates that additional drivers may reside in the household, you must add or exclude the drivers, or send an explanation (via SVT notes) as to why the individual(s) are not being added. Appropriate follow-up for proof of non-residency may be undertaken by Customer Service in cases in which the individual(s) was not added or excluded from the policy causing unnecessary uprates or cancellations. If the individual(s) are excluded, you MUST complete a driver exclusion form and retain it in your agency files.

GARAGING DISCOVERY SVT may attempt to determine garaging location based on your customer’s household. If the report indicated differences in garaging versus the insured’s drivers license, you should clearly explain (via SVT notes) as to the discrepancy and a retain a copy of a recent utility bill, leasing or rental agreement, or tax/mortgage information prior to using a different address. Appropriate follow-up for proof of garaging may be undertaken by Customer Service causing unnecessary uprates or cancellations.

OUTSTANDING CUSTOMER BALANCE VERIFICATIONPOS will verify whether your customer has an outstanding balance from a previous Titan/Victoria policy. If so, your customer will have to make the initial payment in addition to paying the outstanding balance before you can sell the policy.

VIN LOOKUPOur website will give you the option of looking up vehicles by simply entering the first 10 digits of the VIN number at the top of the vehicle screen. The vehicle information will automatically be filled in both the quote screen and the application screen.

MVR RECONCILIATIONThe website will allow you to view and print an MVR reducing errors and possible uprates. To begin, simply click on the link “View MVR Report” displayed on Reports page. The MVR Report is now displayed in a new window. You also have the option to print the MVR by clicking on “Print MVR” button.


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PAPERLESS OFFICEPaperless office is designed to reduce the amount of paper that is sent to your agency. Functionality has been added to the website allowing your agency the ability to reprint policy documents. Examples include: Cancellation notices/confirmations; Combo Notices; Policy Declarations; Notice of Policy Lapse; and Notice of Non Renewal.

Now that these documents are available on the web, you can choose to prevent them from being mailed to your agency. To have these documents suppressed, simply call our Agency Technical Support line at 1-866-678-2397 and they will activate your preferences. You have the option of changing your preferences at any time.


BINDING AUTHORITY/GENERAL PROCEDURESCoverage on applications, renewal requests and endorsements will be bound as of the date and time requested, provided:1. The envelope is postmarked within 3 business days or the binding authority period stated in your agency contract.2. The application complies with the underwriting rules, regulations and rates of this manual.3. The application is fully completed and signed by both the named insured and the agent.4. The full downpayment and applicable fees are received with the application.5. The application is not back-dated to cover an accident or loss which has already occurred.6. A completed and signed Vehicle Inspection form if comprehensive and/or collision applies.

NOTE: AGENTS DO NOT HAVE THE AUTHORITY TO ISSUE POLICIES, ENDORSEMENTS, CANCELLATIONS OR REINSTATEMENTS.

TITAN RESERVES THE RIGHT TO FINAL UNDERWRITING APPROVAL ON ALL SUBMITTED RISKS.

FILE MAINTENANCE AND AUDIT REQUIREMENTSRemember to obtain all necessary signatures and documents when you complete a new business application or make policy changes and retain these documents in your files.

Proper underwriting controls are an essential part of our relationship with you, and the lack of such controls can have a negative impact on you, the company, and our customers. According to the producer agreement signed by the agency principal and Titan, you are responsible for producing all forms and proof documents completed correctly upon our request. Missing or deficient documentation may lead to binding restrictions or agency terminations. Additionally, should a claim arise and the requested documents are not available or incomplete, an E & O (errors and omissions) exposure may exist as well.

DOCUMENTS THAT MUST BE RETAINED IN THE AGENCY FILES:

• Proof of medical coordination (information is required to be entered in the notes section of the application as well as retainedin the agent files. Failure to note the policy will lead to uprates. See pg 15 - PIP for details)

• Completed and signed Work Loss Exclusion if applicable. (See pg 15 - PIP for details)• Copy of drivers license (front and back)• Completed application, endorsements, vehicle inspection reports, signed and dated by both the named insured and agent.• Completed and signed driver exclusions• Proof of residency (If there are garaging differences between the drivers license and the address provided on the application

or through the UPSP address process or SVT, a copy of a valid and inforce utility bill, leasing or rental agreement, or tax/mortgage information should be retained prior to using a different address.)

• Proof of prior insurance (Including Military POP)• Proof of Homeownership• Proof of good student discount• Proof of Group eligibility• Proof of Association membership

Materials required to be faxed in as well as maintained in your agency files include: proof of homeownership, proof of prior insurance (including military documentation showing deployment periods and valid proof that a prior policy was in force at the time of deployment), proof of medical/disability insurance, and good student discount

Acquired/Transferred Business - If you acquire a policyholder who is currently insured by one of the Titan Insurance affiliated

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companies, either through an agent of record change or through a transfer or purchase of another agencies book of business, you must immediately obtain from the prior agent or agency, all original signed applications (included but not limited to endorsements, exclusions, and rejections of optional coverages) and all other records pertaining to the acquired policy. Such records must be maintained in accordance with the terms of the producer agreement and all applicable state laws.

Routine audits will be performed on random files. You will be required to provide policy documentation to a company representative during an on-site or fax audit. Failure to comply will place your agency in violation of the producer agreement.

Fax / Email audits - You will receive a list of required documentation that must be faxed or emailed to our office no later than two days after the request. Failure to submit the requested documentation will result in a failed audit and is a violation of your producer agreement.

SVT - Our on-line underwriting tool SVT may request additional information prior to binding coverage. All questions must be completed in detail and failure to properly document the policy may lead to additional underwriting memos and uprates and could place your agency in violation of the producer agreement. Should a claim arise and the requested information is not available or incomplete, an E & O exposure may exist.

SEVERE WEATHER RESTRICTIONPhysical damage (Collision or Comprehensive) coverage may not be bound on new business or added to or increased on an existing policy in counties where The National Weather Service has issued a hurricane, tornado, hailstorm or other severe weather watch or warning.

COMMISSIONSCommissions are paid monthly, based on premiums billed and applied. These include downpayments and installment payments,less refunded premiums.Base commission - 8% New business and 8% renewal.

FILE MAINTENANCE AND AUDIT REQUIREMENTS, CONT...


PROGRAM ELIGIBILITYAn applicant is eligible for the group program if the named insured is a member of the group, or a resident relative of the member. A group is any collaboration of people who have written documents with the same organization which bind the people one to another on a membership or employment basis. Groups written must be formed for a purpose other than to obtain insurance. An eligible person receiving the group discount will be identified as current members of a group at the original issuance of the policy and at each renewal. Policyholders will not be affected by the termination of the group until the expiration of the current policy term. A policy that is cancelled due to group termination or membership revocation, etc. will be offered insurance in the non-group program, if the policyholder is eligible for insurance pursuant to the non-group eligibility rules. All group members who are eligible persons as defined in MCLA 500.2103 (1) may participate in this plan.

Please attach proof of the group membership to the application for processing or maintain proof in your file if the application is uploaded. Proof must consist of the name of the qualifying group and the last 4 digits of the credit card / banking information or if eligibility is based on health insurance, the contract number.

You must immediately notify Titan if the named insured is no longer affiliated with the group used for program eligibility.

DEFINITION OF PRIVATE PASSENGER AUTOMOBILEA motor vehicle, not owned or registered by a corporation, partnership or unincorporated association (unless leased long term to an individual or husband and wife), provided it is registered for highway use and not used as public or livery conveyance or rented to others without a driver.

UNDERWRITING RULESDRIVER ELIGIBILITY1. No person will be considered for automobile insurance unless that person is an owner or registrant of a private non fleet

automobile registered or to be registered in Michigan or holds a valid license. We will consider out of state residents whooperate their vehicle in Michigan for 30 days or more to be eligible if they certify to such operation on Titan’s Notice ofIntention to Reside form.

2. Any person who qualifies for automobile insurance under section 1 (above), will be offered insurance or renewal unless thatperson:• Has a suspended or revoked driver’s license.• Has been convicted of fraud or intent to defraud involving insurance or an application for insurance within the immediate

preceding five (5) year period.• Applicants who have been successfully denied payment by an insurer of a claim in excess of $1,000 under an automobile

insurance policy within the past five years where there is evidence of fraud or intent to defraud.• Applicants who have had a policy canceled or nonrenewed by Company for, or who have committed, fraud or

misrepresentation in connection with an application for insurance or in the presentation or settlement of a claim;• Applicants who have had a policy canceled or nonrenewed by Company because of, or who have issued, an

unauthorized payment in connection with an application for insurance or a policy.• Applicants who have had a policy canceled or non-renewed by Company because of, or who have issued, an

unauthorized payment in connection with an application for insurance or a policy.•• Applicants with more than two operating a motor vehicle under the influence of intoxicating liquor or controlled substance

convictions in the prior twelve months.• Applicants with three or more of the following convictions or accidents combined in the prior twelve months: substantially

at fault accidents or operating a motor vehicle under the influence of intoxicating liquor or controlled substance.• Applicants with 4 or more of the following convictions or accidents combined in the prior thirty-five months: substantially

at fault accidents, operating a motor vehicle under the influence of intoxicating liquor or controlled substance, or anyother major violation(s) described below.

• Renewals - Risks with two or more at-fault accidents with Titan in the last 3 years.

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UNACCEPTABLE VEHICLES1. Bajas, dune buggies, buses, mini-buses or ATV’s.2. Vehicles not registered for street use.3. Racing4. Vehicles leased or rented to other drivers by the applicant.5. Any vehicles that are regularly available to non-listed drivers4. If upon inspection of the vehicle by a company representative, major safety deficiencies are observed that fail to meet

Michigan Motor Vehicle Safety requirements. The company considers among others the following safety deficiencies asmajor:A. Defective Brakes;B. Defective steering mechanism;C. Defective suspension;D. Defective body panel or design modification(s);E. Defective tires (this includes severely worn tires, cords showing anywhere, or not having sufficient tread to allow proper

traction (2/32 of an inch).5. Commercial vehicle types (per MCL 500.2102(2)) including, without limitation, step Vans and Panel Vans.6. Physical damage on vehicles NOT physically inspected by the agent.

UNACCEPTABLE POLICIES1. Has a suspended or revoked drivers license, or has never been licenced, unless the person is excluded from the coverage.2. Policies with two ore more Artisan/Business use vehicles. Refer to Acceptable Business Use on page 26.3. Policies listing vehicles from more than one household.4. Policies where Estates, Receiverships, Corporation or Partnerships are listed as the named insured.5. Non-Owner policies with Business Artisan/Use.6. Two or more private passenger automobile insurance policies issued by Titan family of companies for the same insured or

household.7. Policies with vehicles garaged at two different addresses and drivers in two different households.8. Insured under medical treatment and does not produce a certificate from a physician testifying to the operator’s unqualified

ability to operate a motor vehicle safely.Exceptions - • - Student or military risk (e.g., spouse of named insured/unmarried child of insured);• - Named insured has two different households (e.g.., one permanent home and one vacation home);• - Drivers who live at different addresses but all vehicles are garaged at one place;• - Husband/wife in the process of divorce and vehicles are still considered community property)

The company will not insure policies where Corporations or Partnerships are listed as the Named Insured.

GENERAL GUIDELINES1. All bills, new business declaration pages, endorsements, cancellations, and renewal will be mailed directly to the insured if

applicable.2. The Company will forward copies of cancellation notices to the lienholder(s) and additional interest(s). The agent is

required to send endorsement declarations to the lienholder(s) and additional interest(s).3. The Company will mail the New Policy, Declaration Page, and I.D. card directly to the insured and lienholder/additional

interest (if applicable) once the policy is issued.

Should policy processing generate an additional premium due, the Company will invoice the policyholder directly. If a return premium is generated, the Company will refund such return premium to the insured if applicable.

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ESENDORSEMENTS1. All premium adjustments will be made at rates that were in effect at the time the policy or renewal was issued.2. If policy is in cancel pend status, policy must be brought current for endorsement to be processed.3. The premium will not be changed mid-term because of changes in driving record or driver age.4. Additional drivers and vehicles are covered as of the date and time requested if the request is submitted within binding

authority.5. Replacement vehicles are covered provided the Company is notified within 30 calendar days of the insured’s taking delivery.

The coverages of the vehicle replaced will apply unless notified otherwise.6. Additional vehicles are automatically covered for 30 calendar days after acquisition. To continue coverage for the additional

vehicle, a request must be submitted within the 30 calendar days.7. An endorsement form should be completed and submitted to the Company if there are any changes in driving habits, driver

conditions or vehicle changes which serve to increase the risk of loss.8. Additional premium for endorsements over the remaining unbilled installments. If there are no remaining installments, a bill

will be sent to the insured for the entire amount of the endorsement.

FOR YOUR CONVENIENCE YOU MAY MAIL, FAX, OR PHONE-IN ENDORSEMENTS. PLEASE KEEP IN MIND THAT ANY ENDORSEMENT REQUIRING A SIGNATURE, I.E., CHANGING THE NAMED INSURED, MUST BE FAXED OR MAILED WITH SIGNATURE.

PHONE: 800-888-8424 FAX: 877-295-2923

RENEWALSDirect bill payment plans can be changed at renewal provided the company is notified 60 days in advance of the renewal effective date.

SR-22 FILINGS1. SR-22s must be written in conjunction with Mandatory coverage or full coverage.2. Filings can be made for states in which Titan is currently operating. Call our underwriting department for approval.3. There is a fully earned fee of $20 charged for each driver requiring an SR-22 filing.

CANCELLATIONS1. If an insured is short on the downpayment or if a required installment payment is not received by the due date, a cancel

notice will be sent. The cancellation date will be calculated as the date that all premium received will be fully earned, subjectto a legal minimum requirement. Minimum requirements giving 10 days plus 3 days mailing notice from the processing date.

2. Cancels at insured’s request must be submitted in writing and include the policy number and insured’s signature. The refundwill be calculated as the unearned pro-rate premium. Policy Fees are fully earned.

3. Return of premiums are sent directly to the insured if applicable.4. A policy will be flat cancelled when material misrepresentation is discovered or when the downpayment check is returned

due to non-sufficient funds (NSF) or a stop payment. No coverage will exist.5. If we receive a non-sufficient funds (NSF) check as an installment payment, the replacement check must be a money order

or cashier’s check. A $30 service fee will be charged.6. Policies cancelled for underwriting reasons (within 55 days of the original effective date) will receive 20 days notification.

The Company will process the cancellation request and mail a confirmation of cancellation to the agent and lienholder, if applicable.


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ESEXCLUSIONS1. The applicant, spouse, children , family members, and all household residents of driving age (14 years of age or older), all

regular operators of the vehicles described in this application, all titleholders, and all children who live away from home whodrive these vehicles, even occasionally, must be identified and listed on the application. All drivers, including those with alearner’s permit, must be rated or excluded.

2. Drivers with a temporarily revoked, suspended, or cancelled license at any time during the chargeable violation period willbe considered for rating. Drivers with permanently revoked licenses are unacceptable risks and must be excluded for us toaccept other household members on the policy.

3. A spouse may be excluded. (A non-driving spouse must be excluded from the policy.)4. The named insured cannot be excluded or deleted without cancelling the policy.5. Requests to exclude drivers from coverage must be signed by the named insured on the designated space located on the

front of our auto application or the Driver Exclusion form.6. Agents must retain signed exclusions.

MATERIAL MISREPRESENTATIONTitan reserves the right to void policies and deny claims when consumers misrepresent themselves, and/or their risks, at the time of application for insurance or during the claims process. Common occurrences of misrepresentation include, but are not limited to, false driver license status, false vehicle use, false garaging addresses, unlisted vehicles, and unlisted drivers. Misrepresentation will be declared if Titan would not have accepted the risk or charged higher premiums had the facts been known at the time of the application. If Titan determines through investigation that there was material misrepresentation, the policy may be voided and claims may be denied.

TIER DETERMINATIONThe company uses a combination of underwriting criteria to develop a rate for your customer. These criteria include the following:

PRIOR INSURANCE1. Prior insurance means the named insured has proof of private passenger automobile liability insurance that verifies that the

named insured or spouse had six (6) months of continuous liability coverage. Prior limits are those limits in force on the policy for a minimum of six (6) months.

2. Prior insurance criteria considers the number of lapse days and prior limits.3. The website will print a fax cover sheet indicating proof of prior insurance is required to be sent to the company.4. Acceptable proof consists of declaration page, renewal or cancellation notice that shows the expiration date and bodily injury

limits with the name of the insured or spouse the same as the applicant. Policies written with Titan Traditional or Affinitywill not count as proof of prior. We can not accept Victoria/Titan General policies, except under the followingcircumstances:A. The named insured has moved from one state to another;B. A child purchasing his/her own policy, coming from a parent’s General product policy;C. A parent purchasing his/her own policy, coming from a child’s General product policy;D. A spouse recently separated or divorced from a General product policy holder;E. Customer coming from a Titan commercial auto insurance policy, and the customer needs to be the named insured on

the commercial policy;5. Customer’s policy has cancelled or lapsed due to an overseas military action related deployment and is not part of their

regular training duties (rated in General tier).Exception for Active Duty Military Personnel:An applicant whose prior policy cancelled or had a lapse in coverage during the 6 month period prior to application maycertify that the lapse in coverage was because the person was on active duty in the armed forces of the United States forat least 30 consecutive days. Additionally, the vehicle must not have been driven or moved during the 6 month period im-mediately preceding application or the period of time which the insurance was not maintained, whichever is shorter.You must provide transfer orders or military documentation showing deployment periods and valid proof that aprior policy was in force at the time of deployment.


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6. Proof of Prior CertificationThe named insured will be considered to have 6 months prior insurance if they certify the owned vehicle was not driven ormoved by them or a member of their household without maintaining the insurance required by MI S 500.3101 during the sixmonth period immediately preceding application.

NON-CHARGEABLE INCIDENTSIncludes comprehensive losses of $1,000 or more, PIP, UM/UIM losses, and not-at-fault accidents.

FINANCIAL RESPONSIBILITY1. Financial responsibility must be ordered for applicants that are 19 years of age or older.2. To order this information, simply follow the instructions on your quoting software. Please read the disclosure to the customer

before ordering the score.3. Include the full name, address and social security number of the applicant in order to obtain financial responsibility. An

applicant has the right not to provide his/her social security number, but this may result in unconfirmed financial responsibility.4. If a customer suspects inaccuracies in their credit information, they may request a credit report by calling or writing to the

credit vendor. Please see the help on the website for the credit vendor’s address and telephone number.5. No one will be denied coverage based on their insurance score.

RESIDENCY STATUS1. Residency status criteria considers whether the named insured or spouse owns one of the following types of dwellings:

A. HouseB. Townhome/condominium

2. If the named insured or spouse owns a home or townhome/condominium, proof is required in the form of an inforce and valid declaration page, mortgage payment coupon, or copy of property tax bill. This can be faxed along with the Proof of PriorInsurance.

MULTI-CARConsiders whether there is more than one vehicle on the policy.

AFFILIATED RESIDENCE INSURANCE POLICYConsiders whether the named insured or spouse has a residence insurance policy underwritten by Nationwide affiliated companies.

OTHER AFFILIATED POLICIESOther affiliated policies consider whether the named insured or spouse has commercial, renter’s insurance, farm, mobile home policies inforce or other financial products (Life, Annuity, or health policy) underwritten by Nationwide affiliated companies.

TIER DETERMINATION AT RENEWALCustomer’s financial responsibility information will be updated every 36 months or (once) annually if request by the policyholder. The policy will be retiered only if there is an improvement in the rate. Prior insurance information and non-chargeable incidents will only be updated if the policy meets the following criteria, and only if it places the policy in a lower rated tier.1. No lapse in coverage2. No claims3. No NSF checks4. No more than 2 late payments in the current term

TIER DETERMINATION CONTINUED...


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PLEASURE, COMMUTE, AND FARM USE• Pleasure: vehicle not used for business/commercial purposes or commuting to work or school• Commute: vehicle is used to drive back and forth to work or school.• Farm: vehicle is used primarily on a farm, ranch, or orchard.


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COVERAGE DESCRIPTION & RULES - LIABILITYACCEPTABLE COVERAGE OPTIONS• Mandatory Coverage Only;• Mandatory Coverages and Comprehensive or Collision;• Mandatory Coverages and Comprehensive and Collision;• Comprehensive Only (storage) - Available only for multi-car policies where at least one vehicle has Mandatory Coverages.

BODILY INJURY LIABILITY (BI)Limits of BI Liability must be the same for all vehicles on the same policy.

LIMITS$20,000/40,000

$50,000/100,000$100,000/300,000$250,000/500,000*

100 CSL300 CSL*

PROPERTY DAMAGE LIABILITY (PD) Limits of PD Liability must be the same for all vehicles on the same policy.

LIMITS$10,000$25,000$50,000

$100,000100 CSL300 CSL*

UNINSURED MOTORISTS COVERAGE (UMBI)LIMITS

$20,000/40,000$50,000/100,000

$100,000/300,000$250,000/500,000*

100 CSL300 CSL*

UNDERINSURED MOTORIST COVERAGE (UIMBI)LIMITS

$20,000/40,000 - restricted until further notice$25,000/50,000

$50,000/100,000$100,000/300,000$250,000/500,000*

100 CSL300 CSL*

PROPERTY PROTECTION INSURANCE (PPI)LIMITS

$1,000,000

MICHIGAN LTD PROPERTY DAMAGE LIABILITYLIMITS$1,000 MAXIMUM


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COVERAGE DESCRIPTION & RULES - LIABILITY, CONTINUED...*250/500 OR 300 CSL ELIGIBILITY REQUIREMENTSA person who qualifies for automobile insurance under the Michigan Titan General Underwriting Rules will be considered for250/500 or 300 CSL limits unless that person has:A. Insurance Eligibility Points in excess of 6 immediately preceding application for or renewal of a policy;B. Violations of controlled substances including drugs and alcohol;C. Reckless driving violations;D. Violations for failure to stop after an accident.The 250/500 and 300 CSL limit may require prior approval. The website will prompt you.

PERSONAL INJURY PROTECTION (PIP)PIP coverage classifications available providing Personal Injury Protection coverage for Allowable Medical Expenses, Wage Loss and Survivor’s Loss.

1. Primary PIP2. Excess medical and excess work loss3. Excess medical and primary work loss4. Primary medical and excess work loss5. Excess medical - work loss waiver/excess work loss6. Excess medical - work loss waiver/primary work loss7. Primary medical - work loss waiver/excess work loss8. Primary medical - work loss waiver/primary work loss

A deductible of $0, $300, $500, $1,000, $1,500, $2,500, $5,000 or $7,500 applies per accident if Primary PIP (Option 1) or Primary Medical – Work Loss Waiver, Primary Work Loss (Option 8) is selected.

To select Excess Medical, the policyholder must have an underlying health care policy that allows for coordination of benefits as a result of an automobile related accident. Currently, Medicare and most government/state sponsored health care policies will not coordinate with PIP coverage and are not eligible policies for the Excess PIP Medical option.

If Excess Medical option is selected, a copy of the named insured’s health card must be faxed to Titan Customer Service within 1 business day and retained in your agency file. The card must show the names of the covered individuals. If the name on the medical card presented does not match the named insured, this proof may be deemed as unacceptable and additional action may be taken including but not limited to UW memos and uprates. In addition, you must include in the Notes section of the application (www.Titan.com) the name of the insureds health card, policy/contact number and employer.

Failure to provide proper documentation will result in additional underwriting memos, and potential uprates.

The insured and agent must sign, date, and initial the PIP selection (medical and work loss selections.)

Provide any changes in your policyholders health insurance or work benefits status to Titan promptly to ensure the appropriate coverage.

A $500 deductible will be imposed under the policy per accident, when options 2 through 7 are selected and there is no other coverage available to coordinate benefits with.

Insureds age 60 and over may elect to waive work loss benefits and receive a reduction in their premium, provided they read the Work Loss Exclusion section in the application and initial in the space provided. Work loss exclusions must be retained by the agent.

FAMILY/HOUSEHOLD RESIDENTSThe total number of residents currently residing in your household, including the named insured, spouse, all resident relatives who are dependent on the income earners insured under the policy, listed drivers, young children, roommates or anyone else living in the home during the next 12 months.


COVERAGE DESCRIPTION & RULES - LIABILITY, CONTINUED...

NON-OWNER COVERAGE1. Non-Owner coverage may be written when an insured needs Mandatory coverage for the personal operation of a vehicle

NOT owned by the insured or a person living in the same household as the insured.2. Coverage applies ONLY to the named insured and non-owned vehicles. There is no coverage for a spouse or any other

person. Permissive use is not included.3. Coverage applies ONLY to private passenger automobiles.4. Coverage does not apply to insureds who use vehicles in the course of business (i.e., auto salesmen or dealership

employees).5. BI, PD, PPI, PIP and increased limits are available.6. Discounts are available.7. SR-22s are available.8. A vehicle can be added to a non-owner policy by completing the appropriate policy change request form. Coverage will apply

to the owned vehicle provided the named insured notifies us within 30 days after the date of acquisition. The non-ownerpolicy will then be converted to an auto policy. Normal binding authority applies.

9. To quote a non owner policy, select the non owner option on the Policy tab of the website.

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BLUE RIBBON CLAIMS SERVICE Blue Ribbon Claims Service provides world class service to our agents and customers by providing quality repairs and a written guarantee. The facilities that we have partnered with have to meet extensive “pre-qualified” screening processes, and provide convenient and professional service. Key features include: quick high, quality repairs that are guaranteed for as long as the customer owns or leases the vehicle; free access to Autowatch http://quote.nationwide.com/eClaims/Inquiry/FindAutorepairShops/find-auto-repair-shops.asp, a web based system which enables customers to view the progress of their repairs. Where applicable, quick hassle free access to a replacement vehicle for the time it takes to repair your vehicle.

COMPREHENSIVE AND COLLISION RULES1. The model year of the vehicle is that assigned by the manufacturer.2. Comprehensive and Collision coverages are based on “actual cash value” and include equipment which is NOT considered

“Additional Equipment”. (See Additional Equipment Coverage on page 21).3. Comprehensive Only (Available only for multi-car policy where at least one vehicle has mandatory coverages. Additional

Equipment is not permitted. SR-22 filings are not accepted).4. The agent must inspect and complete a vehicle inspection form on all vehicles (including new business or addi-

tions/changes through endorsement) before binding Comprehensive and Collision coverages. You must retain theVehicle Inspection report in your file. Failure to inspect and retain the proper documentation is considered a viola-tion of Titan Underwriting guidelines and your producer agreement.

DEDUCTIBLES1. Vehicles of a multi-car risk may have different deductibles.2. All Comprehensive and Collision deductible combinations are valid.3. Comprehensive premium is subject to a minimum of $15 per 6-month term or $8 per 3-month term.

STANDARD COLLISIONPays for damage to the Insured’s vehicle regardless of fault, subject to the deductible chosen.

BROAD FORM COLLISIONPays for damage to the Insured’s vehicle regardless of fault. If the driver is not more than 50% at fault, the deductible is waived.

LIMITED COLLISIONPays for damage to the Insured’s vehicle only if the driver of the vehicle is not more than 50% at fault, subject to the deductible chosen.

The following deductibles are available for Comprehensive and Collision coverage:

Deductible Standard Collision Broad-Form Collision Limited Collision Comprehensive$0 X

$100 X X X X$250 X X X X$500 X X X X

$1,000 X X X X$2,500 X X X X


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LOAN/LEASE PAYOFF COVERAGEAvailable where there is a leaseholder or lienholder for the vehicle. A leaser or lienholder can only be a financial institution, it can not be a private individual.

1. Provides coverage when a vehicle sustains a total loss.2. Covers the difference between the actual cash value of the covered vehicle at the time of the total loss (reduced by the

applicable deductible and salvage value if retained by the insured or owner, and any greater amount the owner of thecovered vehicle is legally obligated to pay under a written loan or lease agreement. (Payment will not exceed 25% of theactual cash value of the covered vehicle at the time of the total loss.)

3. Coverage can be only added at inception, renewal, or in conjunction with a vehicle change endorsement.4. Comprehensive and Collision are required and a Loss Payee or Lienholder must be named.5. Payments will not include unpaid finance charges, excess mileage, or any other charges or expenses associated with the

loan or lease.


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RENTAL REIMBURSEMENT COVERAGE1. May only be offered in conjunction with Physical Damage.2. This coverage may only be written at policy inception or added at renewal.3. Rental coverage reimburses up to the maximum limit when a vehicle must be rented due to a covered Comprehensive or

Collision loss to an insured vehicle. (In the event of a covered loss, Liability and Physical Damage on an insured car extends to a rented car, if it is a temporary substitute car.)

LIMIT PER DAY MAXIMUM LIMIT $20 $600$30 $900$40 $1,200

TOWING REIMBURSEMENT COVERAGE1. May only be offered in conjunction with Physical Damage.2. This coverage may only be written at policy inception or added at renewal.3. Towing Reimbursement Coverage is applicable when the insured vehicle must be towed due to a disablement.

AVAILABLE LIMITS PER MAXIMUMDISABLEMENT LIMITS

$50 $200$75 $300


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ADDITIONAL EQUIPMENT COVERAGEAdditional equipment is considered to be any non-original equipment (from the) manufacturer (non-OEM) item or feature. Additional equipment coverage may only be purchased if the vehicle is insured for both comprehensive and collision coverage and the equipment is permanently installed.

NOTE: The policy provides up to $500 for stereos, radios, other sound reproducing equipment and telephones that are permanently installed.

1. Additional equipment is subject to a $50 deductible and is not covered unless specifically listed on the application or theAdditional Equipment Endorsement form and the proper premium paid.

2. The following items and their accessories are considered additional equipment:A. Special or custom paint finishes.B. Permanently installed stereo or other equipment that is designed for the recording and/or reproduction of sound which

has an actual cash value in excess of $500, or citizen band radio(s) including any accessories and antennas or radioreceivers.

C. A pick-up cover, cap or shell, awning or cabana.D. Any ornamental or protective accessories which may include shields, bras, engine accessories, racing slicks, oversized

or special tires, special wheels, or special wheel covers.E. Any equipment which changes the use or appearance of the interior of the insured car which may include swivel chairs,

appliances, furniture, special carpeting, bars, panelling.F. Any equipment which mechanically or structurally changes the insured car, or results in an increase in performance or

change in appearance.3. Coverage is not available for the following items or their accessories: telephones, radar detectors, two-way mobile radios,

scanning monitor receivers, television.

RANGE OF COVERAGES Equipment Cost - New

$0-100101-200201-500

501-1,0001,001-1,5001,501-2,0002,001-2,500


ACCIDENT FORGIVENESS ENDORSEMENT1. When selected the first at-fault accident that occurs on the policy will not be used to determine the renewal rate.

a. The endorsement can be selected at New Business or Renewal.b. Mid-term changes are not allowed, including adding or removing this feature.

2. If the endorsement is removed from the policy, then any previously “waived” at fault accident would be considered chargeable effective the date the endorsement was removed.

3. At renewal, any additional at-fault accidents that appear as having occurred after the original inception date at New Business should be charged, only the first at fault accident will be waived at the policy level.a. The first waived at-fault accident would continue to be waived for the duration of the experience period (35 months) as

long as the Accident Forgiveness endorsement is maintained on the policy.4. At fault accidents occurring in subsequent policy terms would not be eligible for waiving until the waived at fault accident

has expired.5. When selected, Accident Forgiveness will appear on the Quote, Declaration Page and Application.

MINOR VIOLATION FORGIVENESS ENDORSEMENT1. Minor Violations are defined as all minor violations (class “N”) as well as speeds classified as speeds. (SP)2. This endorsement will be applied at the policy level.3. When selected, the first minor violation that occurs while the driver is insured with the company will not be used to determine

the renewal rate.a. The endorsement can be selected at New Business or Renewal Business.b. Midterm changes regarding this endorsement are not allowed, including removing or adding this feature.

4. If the Minor Violation Forgiveness Endorsement is removed from the policy, then any previously “waived” violations would be considered chargeable effective the date the endorsement was removed.

5. The forgiveness waiving will apply at the driver level.6. The first minor or speed violation for each rated driver on the policy would be eligible for waiving.7. At the time of renewal, any additional violations that appear as having occurred after the original inception date at New

Business will be charged, only the first violation will be waived at the driver level.a. The first waived violation would continue to be waived for the duration of the violation experience period (24 months)b. Violations occurring in subsequent policy terms would not be eligible for waiving until the waived violation expires.

8. When selected, the Minor Violation Forgiveness will appear on the Quote, Declaration Page and Application.

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MULTI-CAR DISCOUNT VARIES • Applies when there is more than one vehicle on the policy. • Discount is included in tier placement.

HOME OWNER DISCOUNT VARIES • Applies when named insured or spouse owns a:1. house2. townhouse3. condominium

• Discount is included in tier placement.

AFFILIATED PRODUCTSDISCOUNT VARIES • Applies when the named insured or spouse owns certain insurance

policies, or other Financial Services product, underwritten by a Titan affiliated or authorized company. Discount is included in tier placement. See Tier Determination on pages 12 and 13.

PAID-IN-FULL DISCOUNT VARIES • Discount varies by coverage.• Customer pays 100% of the quoted premium with the application.

AGENCY CLIENT DISCOUNT VARIES • When an independent agency refers a group of clients to the company, the clients will qualify for this discount when all of the following criteria is met:1. There is a prior agreement with the company for the referral;2. The agency clients are currently insured with the same company;

and3. The company with whom the agency clients are currently insured

is not affiliated with Titan Insurance.

NON-OWNER DISCOUNT VARIES • The non-owner discount applies only to BI, PD, PPI and PIP Liability coverages.

ASSOCIATION DISCOUNT VARIES • Applies to a policy where the named insured or spouse is an active member of an organization approved by Titan. Proof of membership must be submitted for discount to apply. Please refer to Approved Associations for the Titan General Product section of the underwriting guide or the website, www.Titan.com for a complete list. You must immediately notify Titan if the named insured or spouse is no longer affiliated with one of the approved associations.

ADVANCE QUOTE DISCOUNT VARIES • Discount applies to policies that are quoted more than seven (7) days before the new business effective date. The named insured or spouse must have prior insurance with no lapse in coverage. Proof of prior insurance is required. The discount continues to apply at renewal, provided there is no lapse in coverage. Not available in combination with Agency Client Discount.


ACCIDENT FREE DISCOUNT VARIES • To qualify for the Accident Free Discount, driver must meet all of the following requirements:1. Driver cannot have an at-fault accident and no Major Violations for

the past 5 years.2. Must have prior insurance with no lapse.3. The primary named insured on policy must be 21 years old or

older.- Accidents being waived as a result of Accident Forgiveness

or multiple convictions resulting from a single occurrences will disqualify a driver from the Accident Free Discount.

PREMIUM PAYER REWARDS DISCOUNT 3% • At the first renewal following policy inception, policies will be reviewed

to determine if the premium payer discount applies. Policies must meet all of the following criteria in order to be eligible:i. No paid or incurred claimsii. No NSF checksiii. No more than one lapse in coverageiv. No more than 3 late payments in the current term* (a late payment

is any payment that resulted in a late fee charge.)NOTE: Discount applies to 6 month policy terms only.

Once the discount has been applied, it would remain on the policy for its duration.

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EFT DISCOUNT VARIES • Applies when customer signs up for electronic funds transferGOOD STUDENT DISCOUNT VARIES • This discount will be applied to drivers who meet all of the following

criteria:1. Is age 24 & under and unmarried2. Is enrolled as a full-time student in high school, academic courses

in a college/university or vocational technical school3. Annually, the company is furnished a Report Card or statement

certified by a school official indicating that the student has met oneof the following requirements for the immediately preceding school semester or quarter (or comparable period):a. Ranked among the upper 20 percent of the class scholasticallyb. In schools using letter grades, had a grade average of “B”

or its equivalent or, if the system of letter grading cannot beaveraged, no grade below a “B”

c. In schools using numerical grade point, such as 4,3,2, and1 point, had an average of at least 3 points for all subjectscombined

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

4. If the owner or operator is under 25 years old and a full timegraduate student in a college or university, the “Good Student”classification is applicable without the requirement for certificationunder (3).- Recertification will be required at a policy’s annual anniversary.- The Good Student Discount can be added mid-term.- Discount will remain on policy at time of reinstatement.- Note: Students who are enrolled in a home study program

must satisfy the scholastic requirements by submittingevidence that they raked in the upper 20% of one of thefollowing national standardized tests, administered within thepast twelve months; evidence of ranking must be supplied tothe company each subsequent 12 months.1. PSAT (Preliminary Scholastic Aptitude Test)2. PLAN (Preliminary American College Test)3. SAT-1 (Scholastic Aptitude Test)4. ACT (American College Test)5. ACT (American College Test ) - Explorer6. Iowa Test of Basic Skills7. California Achievement Test8. Stanford Achievement Test, Tenth Edition9. Peabody Individual Achievement Test

- Proof must be kept in the agent’s office for audit purposes.

SENIOR DRIVER DISCOUNT 2% • Insureds who are 65 or older and who drive less than 3,000 miles annually are eligible for a premium reduction.

PRIOR CARRIER TYPE VARIES • This discount will be applied based on the Prior Insurance Carrier Type.• The prior insurance carrier will either be classified as a “standard”

carrier or a “non-standard” carrier.

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ESSURCHARGESBUSINESS/ARTISAN USE SURCHARGE 25%Acceptable Business Use, Includes, but is not limited to:1. There is only one vehicle in this category on the policy;2. Vehicles used by sales or service representatives, or for consumer oriented direct home sales (e.g., Avon, Mary Kay,

Tupperware);3. Vehicles used by real estate or insurance agents, lawyers, doctors, accountants or other professionals visiting multiple

locations on a daily basis;4. Vehicles owned by the insured and used by domestic employees (e.g., maids, chauffeurs);5. Vehicle used in a business for occasional errands.6. Vehicles owned or leased by a partnership or corporation are acceptable ONLY when all of the following conditions are met:

A. The vehicle is ordinarily operated by the named insured or a resident relative for pleasure or commuting;B. All operators are household members and listed on the policy;C. No logo’s or advertising are painted on or attached to the vehicle in any way;D. The vehicle is not used by an Artisan (see definition of Artisan Use below); andE. No more than four such vehicles are owned or leased by the partnership or corporation.

Corporations or Partnerships cannot be listed as a named insured, but may be listed as an “additional interest”.

Unacceptable Business Use, Includes, but is not limited to:1. Pick-up or delivery of goods (including, but not limited to, newspaper, pizza, or other food items), Commercial Ride Sharing,

limousine or taxi services, and livery conveyance, including not-for-hire livery, (see also Unacceptable Risks on page 10).2. Vehicles with logos or advertising on them.3. Vehicles with a load capacity over 1 ton.

Acceptable Artisan Use Vehicles used to transport tools or other materials by the insured in a trade or business are acceptable if all of the following conditions are met:1. There is only one vehicle in this category on the policy;2. The insured visits no more than two job sites per day;3. The vehicle is owned or leased by an individual, not a corporation or partnership;4. The vehicle is operated solely by the named insured or other resident relatives;5. The vehicle is not used to transport explosives, chemicals, flammable materials, or more than 500 pounds of supplies or

equipment; and6. Vehicles with a load capacity of 1 ton or less.7. Vehicles with ladder racks or supply storage racks above the roof or bed of a truck or van are unacceptable.

NON-RESIDENT SURCHARGE 20%1. Students and military personnel stationed outside of Michigan.2. Minimum limits of 20/40/10 are required.3. At least one vehicle on the policy must be garaged in Michigan.4. If vehicle is also garaged outside of Michigan, use rating territory 999.

OEM BUYBACK SURCHARGE VARIESApplies to any vehicle on the policy with Physical Damage coverage if the OEM buyback endorsement is elected for the policy.


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TSDRIVER VIOLATION POINTS & ACCIDENT SURCHARGERULESDriving Record points are assigned to operators for substantially at-fault accidents and convictions of, determination of responsibility for civil infractions (**) of, or finding of responsibility in probate court for civil infractions of, violations under Chapter VI of the Michigan Vehicle Code, beginning Sections 257.601 to 257.750 of the Michigan Complied Laws, as amended by MIH5177.1. Drivers who are separated, divorced or widowed should be rated as single,2. Each driver is rated on violations for civil infractions for 24 months and 35 months for all other accidents and violations.

However, all accidents and violations for the past 35 months must be recorded for an accurate quote. Commercial convictions and accidents are chargeable.

3. When multiple convictions occur in a single day (including multiple convictions resulting from a single occurrence), apply only one conviction (the most serious), based on the following ranking.

CONVICTION RANK OF SERIOUSNESS*Major 1At-Fault Accident 2DWI 3Minor 4Speeding 5

* Number 1 is the most serious and 5 is the least serious.

4. Use the occurrence date for all infractions.5. Out-of-state convictions and accidents are chargeable.6. Point charges are made based upon information contained on the application and MVR and CLUE report.7. All accidents are considered at-fault unless proof of no-fault is furnished with the application; a police report, a letter from the

prior company or proof of another company’s payment is acceptable. If the accident is not at-fault, please provide details orwe will charge for it.

AT-FAULT ACCIDENTSSurcharges apply based on the number of occurrences and the time since the last occurrence.

DRIVING WHILE INTOXICATEDDriving while intoxicated or under the influence of drugs, or failure to submit to a chemical test.

MAJOR VIOLATIONSAD Illegal possession of drugs/alcoholDR Drag racing (including speed contests and exhibitions).DS Driving under suspension/revoked license.FI Failure to render aid, injury/deathFO Fleeing or attempting to elude a police officer.HR Leaving the scene (“hit and run”).NC Operating a motor vehicle without owner’s consent.OU Operating an uninsured motor vehicle.RD Reckless driving.UD Permitting unauthorized operator to drive.VF Felony involving a motor vehicle.VH Homicide or assault with a motor vehicle.VM Vehicular Manslaughter

MINOR VIOLATIONS** & SPEED VIOLATIONS**Includes all other traffic code moving violations. Does not include seat belt and parking violation.**Denotes civil infraction


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ESMAILING ADDRESS Mail Payments Titan Indemnity CompanyWith Remittance P.O. Box 6838Stubs to: Cleveland, OH 44101-6838

METHODS OF PAYMENTS• Initial down payment – Our website permits Visa and MasterCard down payments on uploaded policies (remember

to complete the credit card authorization form and retain in your files. The authorization form MUST be signed by thecredit card holder.)

• Installments and renewal payments1. Credit card: The installment or renewal payment may be made directly at the Agent’s office using the credit card

feature on our website. The insured may also make a Visa or MasterCard payment by calling our Customer ServiceDepartment at 1-800-888-8424.

2. Telecheck: Agents and insureds can call in with a check to make a payment. Call 1-800-888-8424. This service isprovided at no fee.

3. Electronic Funds Transfer: If the applicant wishes to have his/her monthly payment and any renewals thereafterautomatically deducted from his/her checking account or charged to his/her credit card, select the EFT payment plan.

RULES1. The full downpayment must be included with the application. Checks should be made payable to Titan.2. On renewals, a new direct bill payment plan can be selected provided Titan is notified at least 60 days prior to renewal.3. Do not front money for your insureds. We will not accept premium financing for direct bill policies.

FEESNON-EFT INSTALLMENT FEES will be charged for each installment payment, including unpaid balance and renewal installments .............................................................................................................................................................. $ 12EFT INSTALLMENT FEE .................................................................................................................................................... $ 10NSF FEE will be charged when an insured’s check is returned for non-sufficient funds. ...................................................... $ 30SR-22 FEE will be charged for any new filing ...................................................................................................................... $ 25LATE FEE will be charged for payments received after the due date ................................................................................... $ 15

NOTE: ALL FEES ARE FULLY EARNED

6-MONTH TERM PAYMENT OPTIONSTERM DOWN PAY INSTALLMENTS RENEWAL PAY PLAN FIRST BILL DUE DAYS

6 16.67% [email protected]% 16.67% Down, 5 @ 16.67% 306 20% 5 @ 20% 16.67% Down, 5 @ 16.67% 306 25% 5 @ 15% 16.67% Down, 5 @ 16.67% 306 33% 4 @ 16.75% 16.67% Down, 5 @ 16.67% 306 50% 1 @ 50% 50% Down, 1 @ 50% 726 Paid-in-Full N/A Paid-in-Full N/A

TERM DOWN PAY INSTALLMENTS RENEWAL PAY PLAN FIRST BILL DUE DAYS6 16.7% EFT 5 @ 16.66% 16.7% Down, 5 @ 16.66% 306 20% EFT 5 @ 16% 16.7% Down, 5 @ 16.66% 306 25% EFT 5 @ 15% 16.7% Down, 5 @ 16.66% 30

EFT OPTIONS


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FINANCIAL INSTITUTIONS - BANKS

Bank of AmericaBank One

Capital One BankChase

CitibankCitizens Bank

Comerica BankDirect Merchants Bank

Fifth Third BankFirst Federal of Michigan

First National BankFirst of AmericaFirst USA Bank

FleetFMB-First Michigan Bank

Manufacturer’s BankMBNA

MFC First National BankMichigan National Bank

NBDOld Kent BankOxford Bank

Providian National BankRepublic BankSecurity Bank

Standard Federal BankTCM Bank

The First National BankWells Fargo Bank Michigan

FINANCIAL INSTITUTIONS - CREDIT CARDS

American ExpressDiscover Card

Kohls Credit CardMarshall Fields Credit Card

Meijers Credit CardSear’s Credit CardTarget Credit Card

Walmart Credit Card

HEALTH INSURANCEAetna Healthcare

AmeriplanBlue Care Network

Blue Cross Blue Shield of MIFortis Health Insurance

Health Alliance Plan (HAP)Health Plus

McareMedco Health

PHPPreferred Choices

Priority Health/MultiplanPrivate Health Care Systems

SelectCareTri-Care Health

FINANCIAL INSTITUTIONS - CREDIT

UNIONSBell Com

Berrien TeachersCapital Community

CaseCentral CorporateChristian Financial

Communications FamilyCommunity ChoiceCO-OP ServicesCredit Union One

Detriot EdisonDetroit MunicipalDFCU Financial

Dow Chemical Employees’Educational Community

ElgaFlint Area School Employees’

Huron River AreaLake Michigan

Macomb Schools and GovernmentMichigan Catholic

Michigan EducationalMichigan First

Midwest FinancialState Employees’T L C Community

Team OneTelcom

University of MichiganUSA

Please Note: Proof of group membership must be maintained in the agent’s office. See Titan’s website, www.Titan.com for a complete list of banks and credit unions that are eligible under the Titan General product.

APPROVED GROUPS FOR THE TITAN GENERAL PRODUCT


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APPROVED ASSOCIATIONS FOR THE TITAN GENERAL PROGRAM

ASSOCIATIONSAFT — American Federation of Teachers

ASCD — Association for Supervision and Curriculum DevelopmentMEA — Michigan Education AssociationNEA — National Education Association

Oakland Community CollegeHenry Ford Community College

Lansing Community CollegeMacomb Community College

Schoolcraft Community CollegeWayne County Community College

MIFB

Please Note: The named insured or spouse must be an active member in good standing. Proof of memebrship must be submitted for the Association Discount to apply. See Titan’s website,

www.Titan.com for a complete list of approved associations that are eligible under the Titan General product.

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TITAN PLUS ELIGIBILITY Several additional variables are used to determine if the insured is eligible for our Titan Plus Product:

COMPONENTS TITAN PLUS PRODUCT Major Violations (M class) or Suspensions / Cancellations / Expirations (0-60 Months)

0 per driver / per policy Suspensions/Cancellations/Expirations will be determined based on the "last reinstate" date.

DUIs (DI Class) Drivers with up to one DUI and no other at-fault accidents or violations (major, minor or speed) in the last 36 months are acceptable.

At-Fault Accidents (0-35 Months) No more than 1 per driver

Minor Violations (N class) or Speeding Violations classed as (SP) (0-35 Months)

No more than 1 minor violation per driver

Not-At-Fault (NAF) Accidents (0-35 Months) No more than 1 not at fault per driver

Combination of Accidents/Violations (0-35 Months) No more than 1 Minor violation or speed violation and 1 at fault ac-cident per driver

Comprehensive Losses >$400 (applies at policy level) (Experience period is the 35 months immediately preceding policy effective date)

No more than 2 per policy AND no more than 1 total theft per policy (a total theft is defined as a COMP claim with more than $5000 paid out), 3 if 3 or more vehicles

Towing & Labor Losses (Experience period is the 35 months imme-diately preceding policy effective date)

No more than 2 per policy per year. Per year is defined as a twelve month period starting with the policy effective date.

Age No restriction other than years driving experience

Driving Experience

Named Insured must have three years driving experience in the US unless a rated parent or spouse has the required driving experience. If named insured has 3 years driving experience, policy is eligible for Titan Plus. If not, then a rated parent or spouse must have the three years driving experience in order to qualify.

Proof of Prior Insurance

Proof of continuous coverage with no lapseTitan Traditional, Titan Affinity, Titan / Victoria General Insurance policies cannot be used as proof of prior insurance to qualify for the Titan Plus product.

SR22 Policies with SR-22s will be permitted.

Driver's License

Valid and Active US License Required (International/Foreign Drivers Licenses are allowed at New Business) Named Insured with a Learners Permit is not eligible. Other drivers on the policy may have Learners Permit as long as Named insured has a license status of “valid”.

REWRITE OF PREVIOUSLY UPLOADED POLICIES Does not apply. Rewrites are not available for the Titan Plus product.

SR-22 FILINGSSR-22s are permitted at New Business for the Titan Plus product. Provided the policy meets all eligibility requirements, SR-22s can also be added mid-term or at renewal for Titan Plus.

UNACCEPTABLE DRIVERSCriteria are the same as the Titan General product (see page 9) except as noted below.1. Driver must possess a valid U.S., Foreign or International driver’s license or a valid Military I.D.2. Unlicensed drivers, except those excluded from the policy.

UNACCEPTABLE POLICIESCriteria are the same as the Titan General product (see page 10).

UNACCEPTABLE VEHICLESCriteria are the same as the Titan General product (see page 10).

TITAN PLUS GUIDELINES

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TITAN PLUS PRODUCT · PDF fileTITAN PLUS PRODUCT PERSONAL AUTO PROGRAM. ... Underwriting Rules...

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Transcript of TITAN PLUS PRODUCT · PDF fileTITAN PLUS PRODUCT PERSONAL AUTO PROGRAM. ... Underwriting Rules...