Utah Standard Auto Program Gui… · Utah Standard Auto Program (Ed. 04/2017) United Insurance...

Utah Standard Auto Program

(Ed. 04/2017) United Insurance Company of 32

STANDARD AUTO PROGRAM

(CROWN)

UNITED INSURANCE COMPANY

Provo, UT

UTAH

Private Passenger Auto Liability and Physical Damage

Underwriting Guide

Rates effective

04/10/2017 NEW business

05/25/2017 RENEWAL business



TABLE OF CONTENTS TABLE OF CONTENTS .................................................................................................. 2 FORMS LIST................................................................................................................... 5 I. UNDERWRITING RULES .......................................................................................... 6

A. Application and Binding Authority ......................................................................... 6 B. Unacceptable Drivers ........................................................................................... 6 C. Unacceptable Vehicles ......................................................................................... 7 D. Additional Physical Damage Rules ....................................................................... 7 E. Submit For Approval – Do Not Bind ...................................................................... 8 F. Special Rules ....................................................................................................... 8 G. Policy Term .......................................................................................................... 9 H. 5th Car Policies .................................................................................................... 9 I. Broker of Record Change .................................................................................... 9 J. Fees ..................................................................................................................... 9

II. COVERAGE ............................................................................................................. 10 A. Liability ............................................................................................................... 10 B. Personal Injury Protection (PIP) – Use Form PP 05 79 ...................................... 10 C. Uninsured/Underinsured Motorists – Use Form PP 04 66 ................................. 10 D. Uninsured Motorists Property Damage – Use Form PP 04 24 ............................ 10 E. Under-Insured Motorists Property Damage ........................................................ 10 F. Physical Damage ................................................................................................ 10 G. Towing ............................................................................................................... 10 H. Emergency Road Service ................................................................................... 11 I. Rental Reimbursement ...................................................................................... 11 J. Coverage Transferred to a Rental Car ............................................................... 11 K. Renters Personal Property Coverage ................................................................. 11

III.CLASSIFICATION & RATING ................................................................................... 12 A. Driver Classification ............................................................................................ 12 B. Points ................................................................................................................. 12 C. Motor Vehicle Reports ........................................................................................ 13 D. Business Use ..................................................................................................... 13 E. Premium Rounding ............................................................................................. 13 F. ISO Prices/Symbol Chart .................................................................................... 14 G. Additional/Special Equipment............................................................................. 15 H. Financial Responsibility Filings (SR22) .............................................................. 15 I. Vehicle Surcharges ............................................................................................. 16 J. Discounts/Surcharges ......................................................................................... 17 K. Zip Codes/Territories .......................................................................................... 20

IV.POLICY ADMINISTRATION ..................................................................................... 21 A. Up Rates ............................................................................................................ 21 B. Policy Changes & Endorsements ....................................................................... 21 C. Cancellations ..................................................................................................... 21 D. Reinstatements .................................................................................................. 22 E. Renewals ........................................................................................................... 22 F. Non-Renewals .................................................................................................... 22

6 MOS BASE PREMIUMS ............................................................................................ 23 Liability & PIP ........................................................................................................... 23 Uninsured & Under-Insured ...................................................................................... 23 Physical Damage ...................................................................................................... 23 Towing ...................................................................................................................... 23



Rental Reimbursement ............................................................................................. 23 Renters Personal Property........................................................................................ 23 Insurance Score Tier Factors .................................................................................... 23

TERRITORIAL RELATIVITY FACTORS ....................................................................... 24 Liability & PIP ........................................................................................................... 24 Physical Damage ...................................................................................................... 24

RELATIVITY FACTORS: Driver Class – Liability & PIP ................................................. 25 RELATIVITY FACTORS: Driver Class – Physical Damage ........................................... 27 INCREASED LIMIT FACTORS ..................................................................................... 28

Liability ..................................................................................................................... 28 Uninsured Motorist Increased Limits ......................................................................... 28 Underinsured Motorist Increased Limits .................................................................... 28 Point factors ............................................................................................................. 28

VEHICLE AGE FACTORS ............................................................................................ 30 VEHICLE SYMBOL FACTORS ..................................................................................... 31 DEDUCTIBLE FACTORS.............................................................................................. 32 VEHICLE/SYMBOL TABLE ........................................................................................... 32



FORMS LIST

FORM# EDITION

DATE TITLE

*PP 00 01 0698 Personal Auto Policy

*PAE-9016 0813 Personal Auto Policy -- Utah Amendatory

*IL 7026 0913 Policy Signatures –

*PP 13 01 1299 Coverage For Damage To Your Auto Exclusion

PP 03 05 0886 Loss Payable Clause

PP 03 19 0694 Additional Insured - Lessor

PP 04 24 0105 Property Damage Uninsured Motorists Coverage – Utah

PP 04 66 010 Underinsured Motorists Coverage – Utah

*PP 05 79 0299 Personal Injury Protection Coverage – Utah

PAE-9022 0505 Preferred Provider Organization Endorsement

PAE 1023 0505 Named Driver Exclusion – Utah

PAE-APP 0505 Auto Insurance Application

PP 01 93 0109 Amendment of Policy Provisions

* Indicates Mandatory Forms



I. UNDERWRITING RULES

The final decision as to acceptability will remain with the company.

A. Application and Binding Authority

1. Producers can bind coverage as of the TIME and DATE shown on the

application, provided that:

a) The computer issued policy and application are fully completed.

Specifically including name, full address, work and home phone

numbers, complete VI#(s), driver’s license number(s), all household

residents listed with DOB, full employment information including

months employed, and “yes/no” questions answered. Second, the

application is legible and signed where required by both the

applicant and producer, with a full down payment.

b) All persons living in the household are listed on the application and all those that are licensed are rated as drivers,

c) The application must be completed and retained by agent. It must be available upon company request.

2. Incomplete, (i.e. missing license numbers, VIN, employment information,

prior insurance information, etc.) undated (time & date) or unsigned

applications; or applications received without the premium payment, will

be considered unbound.

3. Applications for ineligible drivers or vehicles will be cancelled and not be

eligible for reinstatement.

4. Applications with false or misleading information by applicant will be cancelled

and not be eligible for reinstatement.

5. Coverage(s) may not be bound in excess of the limits, including deductible,

shown in this manual.

B. Unacceptable Drivers

1. Drivers with foreign drivers license; unless a copy of the foreign drivers

license is submitted to the company at time of application and the foreign

license surcharge is applied.

2. Drivers who are not residents of Utah, or Military not stationed in Utah.

3. Principal operators under age eighteen (18) unless parents/guardians sign

the application and are listed as drivers.

4. Entertainers, professional athletes, or other nationally or locally well-known

individuals.

5. Drivers with a license suspended/denied for medical reasons.

6. Drivers with more than two (2) drug or alcohol related conviction in the past

3 years.

7. Drivers with the following in the previous three (3) years: a) More than 10

driver points, (b) More than two (2) at-fault accidents.

8. Drivers with a violation for the following: reckless homicide, manslaughter or motor vehicle felony, disregarding a police officer, or attempting to elude or flee the police.



9. Drivers with an unlicensed spouse unless a completed signed unlicensed

resident agreement is submitted to the company.

10. Named insured/driver or spouse who is incarcerated.

C. Unacceptable Vehicles

1. Vehicles exceeding one (1) ton load capacity.

2. Vehicles garaged outside Utah.

3. Vehicles valued more than $80,000.

4. Vehicles not titled in the name of the applicant or an immediate family member (i.e. parent & child, siblings, must be listed on policy and rated for) unless a long term (more than six (6) months) leased vehicle. Copy of lease agreement must be submitted with application.

5. Vehicles built, designed or used for prearranged speed contests.

6. Emergency vehicles, taxi cabs, limousines, general livery or vehicles rented

or lent to other operators on a regular basis.

7. Vehicles used for messenger or delivery service.

8. Vehicles used to transport passengers, such as: day camps, nursery

schools, day care centers, convalescent homes, churches, etc.

9. Dune buggies, golf carts and off road type vehicles, or any type not licensed for highway use.

10. Any antique, classic, custom, electric, Kits, limited editions (low production),

race, replicas, or show cars.

11. Vehicles which have been substantially modified in appearance or

mechanically altered. (i.e., chopped, lowered, lifted, turbo charged)

12. Vehicles with modified suspension, such as: lowering or lift kits, snow

plows or any which have been modified for off road use.

13. Recreational Vehicles (RV), motorcycles, ATVs, open air jeeps and any vehicle with more or less than four (4) wheels.

14. Any of the following: Tesla, Aluminum body Ford Pickups, Clenet, DeLoreans, Pantera, Stutz, Zimmer, or any unique or custom built vehicles.

15. Custom vans without photographs. (Van conversions are SUBMIT – DO NOT BIND). See E:3 listed below.

16. Physical damage for any vehicle with preexisting damage (other than normal wear and tear). Please submit photos of damage.

D. Additional Physical Damage Rules

1. Inspection forms must be completed and retained by agent on vehicles

with physical damage if there is a lapse in prior coverage or no prior

coverage to maintain physical damage endorsement. Photos (front driver

corner, rear passenger corner) must also be submitted if the Physical

Damage endorsement is applied to a pre-existing vehicle in midterm.

2. Physical Damage may not be written without Liability.

3. Comprehensive may not be written without collision.

4. ISO does not publish symbols for certain pickups and vans. For those not

listed, use ISO Price/Symbol Chart or call the company.

5. Customized Vans – Increase one symbol for each $1,000 value of

customized equipment. Follow submit rules listed below.



E. Submit For Approval – Do Not Bind

1. Any driver with five (5) or more separate chargeable violations in the prior

12 months.

2. Any driver under age 21 with a drug or alcohol violation.

3. Van Conversions: Submit with the following: a) the cost of conversion. An

appraisal may also be required, b) Complete description and list of

equipment, such as: carpeting, interior lights, captain chairs, custom

seating, couch, cabinet and sink, height extending roof, side windows,

running boards, ladder, wheels, tires, custom paint, etc. (All equipment

must be listed and included in the value of the van to be covered), c)

Photographs of both the interior and exterior.

4. Gray Market (self-imported) vehicles.

F. Special Rules

There will be times during quoting, issuing, and servicing policies when

certain things are not allowed. Usually pop-up windows in the system will

guide you as to what to do. A list of procedures is given below.

1. Full coverage cannot be added to an existing vehicle without photos

(front driver side corner and rear passenger side corner)

2. Exceptions to normal underwriting may be obtained from the

underwriting department if appropriate justification is demonstrated

by the Agent.

3. Deleted points. Consideration may be given by the underwriting

department. Please call.

4. Exclusions. The Underwriter’s position remains that if a person of

driving age resides in the insured household, they must be rated or

excluded. We may allow driver exclusions in the situations below.

a) Licensed drivers living in the same household (other than

student roommates) or non-residents who have driven the

insured’s vehicle(s)

The following is required:

• The exclusion form signed by the named insured and the

excluded driver

• Proof of other coverage for the excluded driver must be

retained by agent.

• List the excluded person under “residents” and choose

“excluded” in the DL# field.

b) Excluded roomates – the exclusion(s) only needs to be signed

by the named insured

c) Spouses with an invalid license may be excluded. Their driver’s

license# is required.



5. Unlicensed residents. If a resident of driving age has never been

licensed, the risk is acceptable. A completed unlicensed resident

agreement must be submitted to the company.

6. UU Mail. Company underwriting requests will generally be sent via

UU Mail and the agency must make diligent efforts to answer all

requests by the indicated pend date. Contact the underwriting

department if assistance is needed with this or any other system

utility.

G. Policy Term

All policies will be issued for six (6) month term. All rates shown are for six

(6)months.

H. 5th Car Policies – Risks with more than 4 vehicles must be written as 2

policies. Write all the drivers and 3 or 4 vehicles on the first policy and write

the remaining vehicle(s) and just the named insured (and spouse if

applicable) on the second policy. In order to get the multi-car discount,

more than one vehicle must be listed on each policy. Only one application

is needed and we match all discounts and surcharges on both policies.

However, violation points are only charged on one policy.

I. Broker of Record Change – When we receive a broker of record change

request, we send a UU Note to the current agent notifying them of the

request. We wait 5 business days for them to take action then save the

client’s information in the database of the agent requesting the change. The

new agent can then issue the policy as new business. A $25 fee is assessed

to cancel the old policy and move money to the new policy.

J. Fees

The following fees will be charged in addition to policy premiums. (Fees are fully earned when we issue the policy or endorsement.)

1. Installment Fee (Each payment) $ 6.00

(Policies submitted with payment in full but are issued higher

than quoted will also be subject to this fee.)

2. Installment Fee- Sure Pay (Each Payment) $ 3.00

3. Re-instatement fee $10.00

4. Returned Check Charge $20.00

5. Cancellation Fee (only if insured’s request is midterm) $25.00



II. COVERAGE

A. Liability

Liability limits are available up to $100/300/50. All liability limits MUST be

the SAME on ALL vehicles of a multi-car risk.

B. Personal Injury Protection (PIP) – Use Form PP 05 79

Basic PIP coverage is included in the Liability premium. Limited PIP

coverage, excluding loss of gross income benefits, is available for a

reduced premium. To reject loss of gross income benefits, the exclusion on

the application must be signed by the named insured.

C. Uninsured/Underinsured Motorists – Use Form PP 04 66

Uninsured and Underinsured motorists coverage at the basic limit of 25/65

and 10/20 respectively is automatically included on all liability policies. If

the insured elects to reject the coverage, a properly signed rejection MUST

be on the application or the appropriate premium will be charged. UM/UIM

must be written at the same limits as BI/PD unless a rejection of higher

limits is signed. See the rate pages for the premium.

D. Uninsured Motorists Property Damage – Use Form PP 04 24

Uninsured Motorists Property Damage coverage must be offered to an

applicant for any private passenger rated vehicle that is being insured for

liability coverage only. The offer need be made only once and is not

required for subsequent renewals. If the insured elects to reject the

coverage, a properly signed rejection MUST be on the application or the

appropriate premium will be charged. See the rate pages for the premium.

E. Under-Insured Motorists Property Damage

Under-Insured Motorist Property Damage with a $3500 limit, is

AUTOMATICALLY included with the Liability coverage on ALL policies at

NO ADDITIONAL PREMIUM.

F. Physical Damage

In determining the premium for physical damage coverage, ISO symbols

should be used. If physical damage is added to the policy during the term,

the vehicle MUST be inspected by the agent and photos MUST be

submitted. If physical damage coverage is requested on a vehicle during

the policy term with a current value in excess of $50,000 the comprehensive

and collision premium will be surcharged 200%.



G. Towing

Towing coverage for an additional premium (see H below) 25 miles is

available for any vehicle which ALSO carries Physical Damage coverage.

H. Emergency Road Service

Emergency Road Service coverage of up to 10 miles one (1) occurrence per

policy term, is AUTOMATICALLY included with EVERY policy, at NO

ADDITIONAL PREMIUM.

I. Rental Reimbursement

Rental reimbursement coverage to rent a substitute vehicle, not exceeding

$30 per day up to a maximum limit of $600 or $50 per day up to a

maximum of $1,000, is available, if there is a limit shown on the Declaration

page and the additional premium is charged.

J. Coverage Transferred to a Rental Car

If the vehicle is rented as a replacement for a vehicle involved in a covered

loss, liability, comprehensive and collision coverage transfer to the rental

car.

• Full coverage does not transfer to a car rented for pleasure use.

See policy for details (Endorsement # PAE 9016) K. Limited Personal Property Coverage Basic personal property coverage can be added onto personal auto policy.

Includes: $1,000 deductible, $10,000 coverage for loss due to named perils*,

loss of use up to $6,000 and burglary (theft) is limited to $500. No Liability.

• Endorsement # PAE-9050 (06 14) *See policy form PP 00 01 06 98 PART D – COVERAGE FOR DAMAGE TO

YOUR AUTO



III. CLASSIFICATION & RATING

A. Driver Classification

1. Drivers who are single, widowed, separated, or divorced should be rated as single. 2. All drivers must be listed and rated on the application. 3. An applicant, whose birthday is within 30 days of the effective date of the policy, may be

rated as the older age.

B. Points

A point surcharge will be applied according to the point schedule chart. Only violations with an OCCURRENCE DATE during the prior 35 months are chargeable. The point surcharge is applied to BI/PD, PIP, and Phys. Dam. On new business, all accidents are charged unless proof of no fault is submitted with application. For single car risks, accumulate the points for each driver for the last 35 mos. and use the highest rated driver to determine the rating group. For multiple car risks, use the record of the highest rated driver for the highest rated vehicle. If there are more cars than drivers, additional cars will be rated with the same class as the lowest rated driver. Maximum number of points is ten (10) per individual.

POINT ASSIGNMENTS 1st add’l

MAJOR VIOLATIONS. Eluding a police officer, Felony with motor vehicle, 4 6 Hit and run or failure to stop, negligent homicide, Reckless driving, Failure to control

INTERMEDIATE VIOLATIONS Careless driving, Racing or speed contest, driving while Revoked or suspended, Suspended or Invalid License, 3 3 Driving with altered/stolen license or tags, passing a School Bus

ACCIDENTS Chargeable (at-Fault) accident 3 5 ALCOHOL OR DRUG RELATED VIOLATIONS Blood/breath test, DUI, DWI, or OWI, All other drug or alcohol related offenses;

No accident involved 2 4 With an accident 5 8

ALL OTHER MINOR VIOLATIONS 1 1

SPECIAL UNDERWRITING SURCHARGES - Unlicensed Resident driver or Foreign/International driver’s license: 4 points.

- Unverifiable driving record: 7 points will be assigned to each driver for which the company cannot obtain a current MVR. PLEASE NOTE: If United Underwriters pays a claim and the driver of the claim is deleted, a permissive driver claim surcharge is added to the named insured.



C. Motor Vehicle Reports

There is no charge for MVR’s pulled in our system as long as 75% of the reports end up on a policy that is issued and premium is paid. Any reports pulled on business that is below a 75% success rate will be charged to the agency. $9.50/report pulled.

D. Business Use

1. Business or Individually owned vehicles used for business or light commercial purposes may be written under this program. The classes of business include, but are not limited to: sales representatives, janitorial service and contractors (i.e., carpenters, electricians, plumbers, etc.) Vehicle must be driven by the insured and not by employees.

2. Vehicles regularly or frequently used beyond a radius of 50 miles are not eligible. 3. Vehicles visiting three (3) or more jobsites in a day are ineligible. 4. Vehicles titled and licensed in the corporation/business name are ineligible. 5. Vehicles used for delivery, advertising, livery, or transporting passengers/clients are not

eligible. 6. Rating: Multiply by 1.25 surcharge for business use. 7. Call the underwriting department for approval on all business exceptions. 8. Important note: business use is excluded from all policies unless it is specifically rated

for on the declarations for the specified vehicle(s).

E. Premium Rounding

Each premium calculation (discounts, up rates, cancellations, etc.) will be rounded to the nearest whole dollar. ($.50 or more, round to the next highest dollar)

F. Additional/Special Equipment Additional and/or special equipment on vehicles will only be covered if, Physical

Damage Coverage is purchased, and the additional and/or special equipment is listed on the policy and an additional premium is paid on the cost new of the equipment. Additional and/or special equipment includes but is not limited to:

- CB radios, antennas and accessories and telephone PERMANENTLY

installed. - Camper shells and tops. - Rebuilt body work and customization such as custom paint, smoke glass,

mirror, additional headlamps, roll bars, decals, special tires, chrome, reverse chrome, alloy, aluminum, magnesium wheels or wheel covers.

- Customized or rebuilt engine work (chrome engine accessories, tachometers or pressure gauges, etc.).

- Any radio, CD player, tape players, sound or video receiving equipment, CB radio, telephone, radar detector or scanner NOT permanently installed is NOT covered.

- Special Equipment Rates: 1. Standard (stereos, wheels, etc.) $10.00 per $100 value. Limited to

$2,000 in value. 2. Trailers, campers, shells; $1.00 per $100 value. Limited to $10,000 in

value.



G. Financial Responsibility Filings (SR22)

Financial Responsibility (SR-22) Filings will only be made available for

the State of Utah.

H. Vehicle Surcharges

Aston Martin, Austin Healy, Bentley, DeLoreon, Ferrari, Lamborghini, Lancia, Lotus, Maserati, Shelby, Rolls Royce, and many other sports cars are ineligible for this program.

UTAH VEHICLE EXPERIENCE MODIFICATION: Certain Models will receive an additional liability surcharge (BI/PD/PIP) as follow:

MODEL BI/PD PIP

Chevrolet Suburban 1.05 1.10

Chevrolet Trailblazer 1.10 1.05

Chrysler Sebring 1.10 1.00

Dodge Grand Caravan 1.00 1.10

Dodge Stratus 1.15 1.00

Ford Explorer 1.10 1.05

Ford Mustang 1.05 1.05

GMC Yukon XL 1.05 1.10

Honda Accord 1.05 1.05

Honda Civic 1.00 1.10

Jeep Cherokee 1.05 1.00

Mistubishi Galant 1.05 1.00

Nissan Maxima 1.05 1.05

Nissan Sentra 1.10 1.15

Subaru Legacy 1.05 1.05

Toyota 4-Runner 1.05 1.05

Toyota Sienna 1.05 1.05

Volkwagen Jetta 1.05 1.10



I. Discounts/Surcharges

Accountable Driver Surcharge: A surcharge will be applied if applicant has violated financial responsibility laws of the State during a six (6) month period preceding our policy inception date, or on existing policies which have lapsed for a certain number of days.. The levels of accountable driver surcharges are as follows: Level 1 – no surcharge. Continuous prior insurance for the prior 6 months with 5 or less days lapse in last 6 months. Level 2 – 1.06 charge. 6-10 days lapse during prior 6 months. Level 3 – 1.12 charge. 11-20 days lapse during prior 6 months. Inexperienced operator (see below). Level 4 – 1.18 charge. 21-30 days lapse during prior 6 months. Level 5 – 1.25 charge. More than 30 days lapse during prior 6 months. No prior insurance. For existing policies, the accountable driver level will be re-assessed each 6 month period, with a change to accountable driver level not worsened or improved more than 2 levels per renewal. For new business: Acceptable proof of compliance consists of one or more of the following: A copy of prior insurance policy showing six (6) months continuous coverage; or, a copy of vehicle registration showing that applicant has just purchased vehicle; or, other documentation showing that a driver has not had a need for auto insurance, i.e. Peace Corps Volunteers, military personnel, missionaries, etc If the insured is claiming new purchase, a copy of the title, the

new registration (both pages necessary), or the bill of sale from a dealer must be

submitted with the application.

Long Commute: (over 15 miles). A 15% surcharge applies to liability and physical damage premiums when a vehicle is driven to work or school 15 miles or more each way, three (3) days per week or more.

*Inexperienced Operator: If the named insured has not had at least six (6) months of continuous driving experience a 12% surcharge applies. This surcharge is not applicable to non-owned policy situations. Surcharge is waived after 6 months of continuous coverage.



MULTI VEHICLE-DRIVER RATIO

Vehicle/ Driver Count

Factors

BI PD CMP COL

1/1 1.025 1.006 1.000 1.000

1/2 0.950 1.006 1.003 1.152

1/3 1.050 1.050 1.050 1.050

1/4+ 1.050 1.050 1.050 1.050

2/1 0.727 0.731 0.903 0.849

2/2 0.750 0.750 0.850 0.850

2/3 0.808 0.855 0.853 0.887

2/4+ 0.871 0.855 0.808 0.849

3/1 0.768 0.755 0.802 0.772

3/2 0.818 0.755 0.802 0.772

3/3 0.760 0.829 0.760 0.772

3/4+ 0.760 0.855 0.802 0.772

4+/1 0.760 0.731 0.802 0.772

4+/2 0.820 0.755 0.802 0.772

4+/3 0.760 0.780 0.760 0.772

4+/4+ 0.820 0.805 0.760 0.772

Homeowner Discount : A 10% discount will be applied to all insured’s who can prove home ownership. A current homeowners policy declaration page will be considered proof of home ownership. Mobile or trailer homes are ineligible. Not available to minors whose parents are homeowners, unless the parents are insured under the same IIC policy and have a car on the IIIC policy.

Paid In Full Discount: A 10% Discount will be applied when the insured pays the six (6) months term premium in full at inception. Note: Premium Financing is NOT acceptable. Sure Pay Discount: A 10% discount applies when insured authorizes automatic payment of premiums via credit card (Visa and Master Card only) or checking account withdrawal. This discount does not apply to Paid In Full policies.

Good Student Discount: A 5% discount will be applied to any driver under age 25, who is a full time student, high school or university, who has a “B” average or better (3.0+ on a 4 pt. scale, 4.0+ on a 5 pt. scale) at the time of application. Most recent grade card must be submitted with application.

Permit Driver Discount: A 30% discount is available to teenage drivers listed on their parents’ policy who have a valid permit.

Out-Of-State License Surcharge: A surcharge will be applied to all drivers who have a valid license from any U.S. state outside of Utah.



Foreign License Surcharge: A surcharge applies to all drivers with a valid license from anywhere outside of the U.S. A copy of the foreign license is required.

Youthful Occasional Operator Discount: A discount may be applied to an unmarried Occasional Operator age 16-21 when the following occurs; 1) there are more drivers than vehicles (agent must verify this and document, i.e., no unlisted vehicles available for regular use), and 2) the Occasional Operator is being rated as the primary operator of a vehicle (this may occur as a result of highest rated driver to highest rated vehicle ). The following discounts apply to Liability and Physical Damage; Age 16 23% Discount Age 17 21% Discount Age 18 17% Discount Age 19 8% Discount Age 20 8% Discount Age 21 4% Discount

Financial Stability Discounts: A Choicepoint “Attract” insurance score will be obtained on all new applications to determine the level of premium discount that is warranted, if any, from the base rate. See table on “Base Premiums” page for

details. Insurance scores are not rechecked upon renewal except at

policyholder’s request. If the insurance score is better than the original

score, then the appropriate additional discount will be given.

Defensive Driving Course Discount: A 5% discount applies to all vehicles principally operated by someone who is 55 years or older and has completed a defensive driving course. A copy of the certificate of completion must accompany the application.

Increased Prior limits: A 8% discount applies to an insured who can provide documentation that their prior limits of liability exceed the Statutory minimum of 25/65/15.

Preferred Provider (Physical Damage): Use Form PAE-9022 A 5% discount will be applied to the physical damage premiums if the insured chooses to add the Preferred Provider Organization (PPO) endorsement to his/her policy. The insured must sign the PPO acknowledgment on the application, confirming that he/she understands the terms and conditions contained therein. Minimum Liability Only surcharge: a 5% surcharge applies to all coverages if minimum BI limits are selected and physical damage coverage is not purchased on at least one vehicle.



J. Zip Codes/Territories

Use zip code territory in which vehicle is PRINCIPALLY GARAGED. If mailing address or residence address zip code is different from garaging address zip code, provide an explanation in agent remarks on the application. Vehicle garaged out of state are unacceptable.

TERRITORY FACTORS

ZIP CODE BI PD PIP OTC COLL

84001 0.928 0.751 1.219 0.945 1.061

84002 0.94 0.718 0.877 0.939 1.142

84003 0.993 1.108 1.103 1.2 0.972

84004 0.882 1.076 0.988 0.918 0.893

84005 1.047 0.728 1.034 0.939 1.142

84006 0.971 0.813 0.884 1.283 0.961

84007 0.937 0.781 0.896 1.075 1.058

84008 0.591 0.656 0.899 1.081 0.834

84010 0.77 0.96 0.804 0.736 0.895

84011 0.77 0.96 0.947 0.901 0.897

84013 0.89 0.786 0.961 0.745 0.997

84014 0.743 0.954 1.058 1.055 0.884

84015 0.993 1.005 1.195 1.051 1.015

84016 0.993 1.005 1.133 1.282 1.015

84017 1.012 0.779 1.028 0.868 0.987

84018 0.869 0.75 0.837 0.812 0.907

84020 0.931 0.992 0.928 0.997 0.954

84021 0.834 0.733 0.957 0.74 0.984

84022 0.78 0.618 0.957 1.366 0.832

84023 0.81 0.629 1.058 1.242 0.890

84024 1.012 0.779 0.984 0.846 0.988

84025 0.87 0.964 1.094 1.049 0.880

84026 0.838 0.762 1.182 0.97 0.944

84027 0.78 0.679 0.962 1.075 1.058

84028 0.927 0.673 1.145 1.225 0.876

84029 0.909 0.763 1.081 0.973 1.120

84031 0.78 0.679 0.793 1.262 1.061

84032 0.988 0.858 1.077 1.147 0.928

84033 1.005 0.831 0.996 0.88 1.037

84034 0.785 0.777 0.941 0.934 0.934

84035 0.649 0.611 0.957 1.366 0.832

84036 0.979 0.65 0.793 0.969 1.032

84037 0.875 0.922 1.116 1.166 0.841

84038 0.927 0.673 0.925 0.69 0.876

84039 0.73 0.766 0.98 1.372 0.953



84040 0.832 1 1.342 1.151 0.888

84041 0.963 1.008 0.809 1.038 0.949

84042 0.895 1.075 1.021 0.854 0.940

84043 0.975 0.988 1.009 0.822 1.001

84044 1.145 1.047 0.864 0.888 1.168

84045 1.07 0.81 1.145 1.085 1.050

84046 0.811 0.629 1.1 0.811 0.890

84047 1.028 1.095 0.86 0.768 1.079

84049 0.803 0.954 0.957 0.824 0.881

84050 0.805 0.819 0.949 0.924 0.887

84051 0.78 0.679 1.133 1.075 1.058

84052 0.778 0.747 0.804 0.72 0.911

84053 0.752 0.791 1.356 1.274 0.999

84054 0.828 0.94 1.114 0.719 0.958

84055 1.055 0.782 0.847 1.085 1.050

84056 0.87 0.995 0.853 0.846 0.956

84057 1.065 1.099 0.928 1.362 1.012

84058 1.06 1.137 1.062 0.799 0.975

84059 1.065 1.099 1.026 1.356 1.014

84060 0.981 0.778 0.899 1.312 0.724

84061 1.067 0.776 1.058 1.176 1.051

84062 0.926 1.116 0.781 0.945 1.061

84063 0.743 0.674 0.891 1.15 0.966

84064 1.015 0.709 0.82 0.855 1.001

84065 0.928 0.901 1.005 1.183 0.932

84066 0.709 0.768 0.996 0.888 1.168

84067 1.055 1.091 1.068 0.772 0.980

84068 0.981 0.778 1.013 1.312 0.724

84069 0.79 0.698 0.854 0.853 0.960

84070 0.937 1.051 1.031 0.996 0.954

84071 0.808 0.713 1.162 0.829 0.962

84072 0.78 0.679 0.793 1.262 1.061

84073 0.894 0.778 0.833 0.779 0.979

84074 1.05 0.859 0.793 0.969 1.032

84075 0.956 1.007 1.262 1.008 0.929

84076 0.744 0.787 1.026 1.224 0.968

84078 0.591 0.656 0.95 1.081 0.834

84079 0.591 0.656 1.195 1.06 0.841

84080 0.79 0.698 0.948 1.283 0.961

84081 1.148 1.099 0.804 0.979 1.120

84082 0.895 0.94 0.797 1.226 0.927

84083 0.785 0.777 0.972 0.889 0.934



84084 1.161 1.096 1.058 1.15 1.087

84085 0.783 0.794 0.792 1.402 0.961

84086 1.018 0.71 1.139 0.989 1.007

84087 0.808 0.904 1.029 0.977 0.904

84088 1.065 1.085 1.006 0.812 1.063

84089 0.993 1.005 0.961 0.779 1.022

84090 0.911 1.092 1.342 0.881 0.788

84091 0.924 1.052 1.142 0.799 0.975

84092 0.869 1.016 0.995 1.184 0.767

84093 0.911 1.092 1.017 0.906 0.795

84094 0.924 1.052 0.928 1.138 0.976

84095 0.927 1.003 1.224 1.004 0.868

84096 0.979 0.813 0.98 1.372 0.953

84097 0.938 1.088 1.032 1.224 0.968

84098 0.684 0.871 0.707 0.91 0.786

84101 0.977 1.042 0.882 0.864 0.969

84102 0.809 0.999 0.952 1.366 0.832

84103 0.832 1.046 0.971 0.881 0.821

84104 1.295 1.103 0.961 0.915 1.217

84105 0.874 1.01 1.337 0.844 0.880

84106 0.873 1.038 1.03 1.06 1.029

84107 1.01 1.112 0.996 0.88 1.037

84108 0.681 0.976 1.086 0.91 0.786

84109 0.672 0.984 1.005 0.821 0.877

84110 0.977 1.042 0.913 0.864 0.969

84111 0.871 0.957 0.935 0.987 0.914

84112 0.823 0.99 0.957 0.901 0.897

84113 0.737 0.976 0.865 0.514 0.857

84114 0.832 1.046 0.871 1.356 0.823

84115 1.112 1.169 0.852 0.818 1.091

84116 1.054 1.06 1.005 0.95 1.283

84117 0.753 1.001 0.861 1.166 0.841

84118 1.276 1.129 1.09 0.95 1.283

84119 1.234 1.112 1.098 0.888 1.168

84120 1.414 1.123 0.996 0.888 1.168

84121 0.779 1.024 0.977 0.744 0.870

84122 1.054 1.06 1.052 0.95 1.283

84123 1.159 1.028 0.842 0.812 1.063

84124 0.842 0.973 1.264 1.242 0.957

84125 1.295 1.103 0.983 0.915 1.217

84126 1.295 1.103 1.079 0.915 1.217

84127 1.295 1.103 0.925 1.509 1.260



84128 1.222 1.123 0.804 0.875 1.175

84129 1.168 1.084 1.081 0.973 1.120

84130 1.295 1.103 0.951 1.509 1.260

84131 1.295 1.103 0.878 0.95 1.283

84132 0.823 0.99 0.987 0.901 0.897

84133 0.871 0.957 1.117 0.822 0.917

84134 1.054 1.06 1.052 0.95 1.283

84136 0.871 0.957 0.967 1.026 0.918

84138 0.871 0.957 1.337 1.012 0.921

84139 0.871 0.957 1.162 0.8 0.921

84141 0.753 1.001 0.861 1.166 0.841

84143 0.832 1.046 0.831 1.356 0.826

84145 0.977 1.042 1.016 0.864 0.969

84147 0.871 0.957 0.897 0.665 0.923

84148 0.681 0.976 1.088 0.881 0.788

84150 0.832 1.055 0.885 0.881 0.821

84151 1.054 1.06 1.086 0.95 1.283

84152 0.873 1.038 0.885 1.413 1.031

84157 1.01 1.112 0.86 0.869 1.042

84158 0.681 0.976 1.219 0.881 0.788

84165 1.112 1.169 0.967 1.62 1.094

84170 1.234 1.112 0.804 0.875 1.175

84171 0.779 1.024 0.986 0.793 0.873

84180 0.977 1.042 1.02 0.864 0.969

84184 1.168 1.084 0.878 1.353 1.141

84189 0.871 0.957 1.114 0.777 0.925

84190 1.112 1.169 1.058 1.084 1.106

84199 1.295 1.103 0.918 0.95 1.283

84201 1.112 0.963 0.817 0.856 0.988

84244 1.112 0.963 0.833 0.856 0.988

84301 0.694 0.772 0.842 0.789 1.032

84302 0.713 0.765 0.797 1.226 0.927

84304 0.978 0.861 0.928 1.3 0.889

84305 0.855 0.904 0.896 1.345 0.940

84306 0.766 0.888 1.076 1.262 1.032

84307 0.776 0.833 0.982 1.283 0.961

84308 0.858 0.9 0.994 0.854 0.940

84309 0.796 0.839 0.947 1.085 0.986

84310 0.951 0.924 0.891 1.195 0.960

84311 0.761 0.907 0.996 0.861 1.037

84312 0.848 0.894 1.246 0.945 1.061

84313 0.85 0.757 0.959 1.151 0.949



84314 0.694 0.772 0.946 0.877 1.035

84315 1.046 0.976 0.797 0.869 0.978

84316 0.881 0.831 1.174 1.112 0.983

84317 0.923 0.895 0.961 1.097 0.954

84318 1 0.821 0.885 0.985 0.893

84319 0.938 0.87 1.138 1.004 0.829

84320 0.815 0.88 1.337 0.844 0.880

84321 0.774 0.829 0.949 0.924 0.887

84322 0.741 0.865 0.858 1.166 0.841

84323 0.774 0.829 0.949 0.924 0.887

84324 0.757 0.786 1.037 1.225 0.876

84325 0.914 0.904 0.927 0.759 0.909

84326 0.844 0.858 0.891 1.213 0.930

84327 0.978 0.861 0.928 1.3 0.889

84328 0.991 0.866 0.816 1.184 0.767

84329 0.85 0.757 0.974 1.16 0.951

84330 0.906 0.855 0.961 1.098 0.982

84331 0.907 0.855 1.107 0.994 0.981

84332 0.844 0.858 0.91 1.213 0.930

84333 0.81 0.873 1.066 0.868 0.878

84334 0.848 0.894 0.809 1.297 1.062

84335 0.978 0.861 0.928 1.3 0.889

84336 0.881 0.831 1.174 1.112 0.983

84337 0.689 0.738 1.063 1.591 1.062

84338 0.93 0.869 1.077 0.786 0.911

84339 0.765 0.895 0.925 0.759 0.909

84340 0.842 0.843 0.854 0.837 0.996

84341 0.704 0.854 0.864 1.184 0.767

84401 1.062 1.018 0.948 0.88 0.983

84402 1.112 0.963 1.337 1.079 0.990

84403 0.971 0.939 0.882 0.721 0.935

84404 1.112 0.963 1.337 1.079 0.990

84405 1.083 0.976 0.933 1.072 0.944

84407 1.112 0.963 1.142 0.875 0.992

84408 0.969 0.938 1.058 1.178 0.940

84409 1.112 0.963 0.826 0.868 0.994

84412 1.112 0.963 0.962 0.987 0.995

84414 1.067 0.948 0.852 0.843 0.981

84415 0.971 0.939 0.858 0.633 0.937

84501 0.886 0.612 0.909 1.046 0.885

84510 0.908 0.799 1.142 0.846 0.957

84511 0.757 0.706 1.017 0.926 0.796



84512 0.757 0.706 1.342 0.886 0.799

84513 0.78 0.58 0.979 0.928 0.805

84515 0.934 0.647 1.076 1.266 0.913

84516 0.855 0.692 0.804 0.667 0.952

84518 0.78 0.58 0.809 1.318 0.808

84520 0.842 0.658 0.854 0.853 0.960

84521 0.78 0.58 0.987 0.932 0.815

84522 0.855 0.692 1.011 1.096 0.952

84523 0.855 0.692 0.943 1.372 0.953

84525 0.752 0.58 1.337 1.085 0.959

84526 0.848 0.597 1.035 0.901 0.897

84528 0.78 0.58 0.928 0.925 0.815

84529 0.848 0.597 1.108 1.242 0.899

84530 0.69 0.724 1.133 0.956 0.845

84531 0.779 0.915 0.806 1.098 0.982

84532 0.723 0.613 0.98 1.591 1.062

84533 0.727 0.758 1.035 0.901 0.897

84534 0.908 0.799 1.142 0.846 0.957

84535 0.69 0.724 0.949 0.89 0.847

84536 0.75 0.94 0.793 1.117 0.880

84537 0.78 0.58 0.928 0.925 0.815

84539 0.842 0.658 0.854 0.853 0.960

84540 0.934 0.647 1.114 0.69 0.913

84542 0.924 0.661 1.094 0.918 0.893

84601 0.95 1.061 1.066 1.052 0.966

84602 0.869 1.01 1.005 0.821 0.877

84603 0.95 1.061 1.066 1.052 0.966

84604 0.883 1.033 1.018 0.797 0.833

84605 0.95 1.061 1.114 0.81 0.967

84606 0.933 1.026 0.727 0.987 0.914

84620 0.958 0.696 1.034 1.372 0.953

84621 0.94 0.836 1.027 1.345 0.940

84622 0.842 0.864 1.136 0.696 0.884

84623 0.919 0.68 1.097 1.184 0.767

84624 0.718 0.648 0.865 0.84 1.086

84626 0.89 0.786 1.091 0.945 0.997

84627 0.941 0.741 0.899 1.2 0.972

84628 0.767 0.711 1.128 0.827 0.966

84629 0.857 0.682 0.897 0.8 0.941

84630 0.938 0.837 1.027 1.345 0.940

84631 0.746 0.585 1.299 1.242 0.963

84632 0.857 0.682 0.826 0.92 0.941



84633 0.89 0.786 0.967 0.984 0.999

84634 0.974 0.833 1.089 0.835 0.928

84635 0.744 0.709 1.167 1.163 1.047

84636 0.746 0.585 0.941 1.088 0.964

84637 0.746 0.585 0.974 1.088 0.964

84638 0.718 0.648 1.006 0.707 1.086

84639 0.84 0.67 1.074 0.864 0.969

84640 0.718 0.648 0.796 0.819 1.087

84642 0.827 0.721 0.858 0.633 0.937

84643 0.827 0.721 1.035 0.633 0.937

84644 0.746 0.585 0.946 1.045 0.965

84645 0.818 0.737 1.128 0.827 0.966

84646 0.919 0.68 1.097 1.184 0.767

84647 0.919 0.68 1.017 0.925 0.770

84648 0.84 0.67 0.867 1.02 0.970

84649 0.718 0.648 0.797 0.819 1.087

84651 1.034 0.919 1.037 1.195 0.960

84652 0.958 0.696 1.035 1.372 0.953

84653 1.026 0.972 0.985 1.055 0.953

84654 0.958 0.696 0.985 1.055 0.953

84655 0.943 0.819 0.862 1.401 0.961

84656 0.746 0.585 0.941 0.876 0.965

84657 0.585 0.672 1.058 0.984 0.857

84660 1.021 1.003 1.174 1.351 0.977

84662 0.919 0.68 0.92 0.98 0.781

84663 0.993 1.069 0.797 0.869 0.978

84664 1.006 0.991 0.948 1.283 0.961

84665 0.827 0.721 1.017 0.873 0.938

84667 0.919 0.68 0.943 0.987 0.785

84701 0.585 0.672 0.811 0.784 0.859

84710 0.757 0.774 0.707 1.32 0.967

84711 0.585 0.672 0.903 0.787 0.861

84712 0.769 0.646 0.949 0.924 0.887

84713 0.924 0.804 1.107 1.224 0.968

84714 0.879 0.749 1.068 1.184 0.943

84715 0.773 0.725 1.089 0.945 1.061

84716 0.753 0.606 1.057 0.849 1.026

84718 0.753 0.626 1.264 1.242 0.945

84719 0.9 0.626 1.114 0.704 0.933

84720 0.711 0.671 0.959 1.225 0.876

84721 0.769 0.712 0.918 1.117 0.880

84722 0.871 0.825 0.989 0.846 0.988



84723 0.966 0.744 1.018 1.098 0.982

84724 0.704 0.628 0.978 1.085 0.850

84725 0.807 0.835 0.885 1.05 1.005

84726 0.753 0.626 0.891 1.126 0.946

84728 0.721 0.573 1.076 0.944 0.996

84729 0.812 0.836 1.077 0.995 0.900

84730 0.585 0.672 1.029 1.217 0.863

84731 0.859 0.669 0.833 0.779 0.979

84732 0.966 0.744 1.051 1.098 0.982

84733 0.81 0.861 0.932 0.869 1.042

84734 0.791 0.695 0.853 0.945 1.061

84735 0.79 0.66 0.967 1.366 0.832

84736 0.753 0.626 0.804 0.673 0.947

84737 0.842 0.742 1.071 0.873 0.938

84738 0.81 0.861 0.863 0.86 1.043

84739 0.848 0.659 1.077 0.986 0.894

84740 0.966 0.744 0.949 1.085 0.983

84741 0.778 0.711 1.074 0.864 0.969

84742 0.769 0.712 0.989 0.534 0.880

84743 0.966 0.744 0.878 1.112 0.983

84744 0.585 0.672 1.178 1.004 0.868

84745 0.76 0.771 1.035 0.74 0.984

84746 0.842 0.742 0.978 0.834 0.938

84747 0.939 0.796 1.058 1.15 1.087

84749 0.939 0.796 1.058 1.15 1.087

84750 0.941 0.662 1.018 1.098 0.982

84751 0.703 0.618 1.001 0.939 1.142

84752 0.703 0.618 1.007 0.939 1.142

84753 0.792 0.724 1.128 0.827 0.966

84754 0.704 0.628 1.142 0.93 0.850

84755 0.743 0.758 0.909 0.907 0.980

84756 0.863 0.744 0.974 1.16 0.951

84757 0.83 0.786 1.035 1.139 0.973

84758 0.829 0.854 0.975 1.111 0.888

84759 0.79 0.66 1.074 1.366 0.832

84760 0.895 0.658 0.918 1.003 0.914

84761 0.751 0.754 1.337 1.047 1.047

84762 0.757 0.774 1.037 1.342 0.968

84763 0.842 0.742 0.882 0.789 0.939

84764 0.753 0.626 0.992 0.673 0.947

84765 0.798 0.861 0.961 0.82 1.024

84766 0.857 0.661 1.035 0.901 0.897



84767 0.842 0.742 1.035 1.037 0.939

84770 0.878 0.861 1.137 0.819 1.087

84771 0.878 0.861 1.058 1.15 1.087

84772 0.827 0.682 0.854 0.867 0.969

84773 0.773 0.725 0.853 0.945 1.061

84774 0.76 0.771 1.202 0.74 0.984

84775 0.773 0.725 1.219 0.945 1.061

84779 0.842 0.742 1.025 1.118 0.939

84780 0.804 0.828 0.875 0.864 0.969

84781 0.807 0.835 1.342 0.893 1.005

84782 0.818 0.83 1.002 0.79 1.049

84783 0.855 0.909 1.02 0.766 1.005

84784 0.842 0.742 0.92 0.7 0.940

84790 0.802 0.835 1.005 1.02 0.970

84791 0.802 0.835 0.866 1.12 0.971

Deviation factors from ISO risk analyzer territory factors above

PiP Lia Phy dmg

84010 1.08 1.07 1.31

84020 0 1.05 0

84044 1.17 1.11 0

84046 0 0 1.05

84047 0 0 1.17

84049 1.05

84057 1.09 0 0

84062 1.11 1.24 1.29

84070 0 1.03 0

84074 1.09 0 0

84079 1.03 1.07

84081 1.14 0 1.19

84084 1.07 1.07 1.05

84085 0 0 1.21

84092 0 1.05 1.1

84093 0 0 1.13

84098 0 0 1.16

84101 0 0 1.14

84104 1.05 0 1.2

84115 1.07 1.07 1.35

84117 0 0 1.28

84118 1.06 0 0

84119 1.05 1.1 0



84120 1.06 1.1 0

84121 0 1.08 1.25

84123 1.14 1.14 1.31

84128 1.2 1.07 1.19

84302 1.15 0 0

84310 0 0 1.13

84321 0 0 1.05

84335 1.09 0 0

84401 1.12 1.02 1.21

84403 1.09 1.09 1.31

84405 0 1.05 1.05

84414 0 1.05 1.35

84604 0 0 1.13

84606 1.19 1.19 0

84651 0 0 1.2

84663 1.21 1.08 1.2

IV. POLICY ADMINISTRATION

A. Up Rates

When a policy is up rated, but still meets the appropriate underwriting criteria, the policy will be issued at the corrected premium. A revised billing will be sent. In some cases, the up rate may cause an immediate cancellation for non-payment. These policies will be reinstated when the additional monies are received.

B. Policy Changes & Endorsements

1. Policies will not be re-rated during their term unless: a) Driver points are incorrect as verified by Motor Vehicle Report. Change

will be made on the effective date of the policy, or the date the driver was added to the policy. Rates in effect at the inception date of the current policy term will be used.

b) Coverages, Drivers or Vehicles are added, or there is a change in marital status. Rates in effect at the inception date of the current policy term will be used.

2. Policy transactions generating less than $10.00 will be waived. These transactions will not be billed or money returned unless requested by the insured.



C. Cancellations

1. All requests for cancellation must be made in writing. 2. No Flat cancellations or back dating of cancellations without proper and

required documentation. 3. All cancellations will be computed pro-rata. 4. Cancellations at "Insured's Request" require the return of the original

policy, a signed lost policy release, or named insured's dated and signed request. Cancellation will be effective the date requested, provided the company receives the request within 30 days; otherwise it will be effective the date received, subject to any advance notification required by third parties of interest. All return premiums will be sent to the insured. There will be a $25.00 fee.

D. Reinstatements

1. If the reason for cancellation has been satisfied before the effective date of cancellation a policy may, at the option of the company, be reinstated without a lapse.

2. After the effective date of cancellation, a policy may be reinstated with a lapse in coverage for the remaining policy period at the option of the company.

3. Prior to rejecting payments the system will allow up to as many as 40 days of combined lapse during a six (6) month period in standard and a twelve (12) month period in preferred. Payments may be accepted by underwriting past the 40 day limit.Please contact underwriting for approval.

4. The system will produce a reinstatement offer giving an expiration date from 8-15 days after the day the offer is mailed depending on previous lapses. (see history)

5. If there have been excessive lapses, instead of a reinstatement offer, a final cancellation is sent and noted in the history.

6. When accepting any payment, create a receipt in the system to see if payment is acceptable or not.

7. In addition to lapses, underwriting reasons can affect the acceptance of payments. Remember to check for policy flags and underwriting notes.

E. Renewals

1. Approximately 45 days prior to expiration, a renewal notice will be sent

to the insured. This will serve as an offer to renew the policy at the

indicated premium.

2. Renewal information and payment of the premium must be received

before expiration to be eligible for the Renewal Claim-Free Discount.



F. Non-Renewals

1. Renew to Standard: If this flag is marked in the system, then the policy is ineligible for preferred, but will be automatically renewed in a standard program.

2. Non-renew-Do not reinstate: If this flag is marked, the policy is unacceptable for any United Underwriters program and will be non-renewed with little if any chance of re-consideration. Late payments cannot be accepted.

3. Non-renew and Do not reinstate if UW info is not received: If this flag is marked, the risk would more than likely be acceptable in our program and eligible for reinstatement, however, due to a lack of response to underwriting or missing information, this policy will be non-renewed unless requested information is received. Late payments are accepted until the policy reaches the end of the term on existing business or the cancellation date for new business.

6 MOS BASE PREMIUMS

Liability & PIP

*Excludes Income Loss Benefits

Uninsured & Under-Insured

UMBI 25/65 $11.00

UIMBI 10/20 $13.00

UMPD 3500 $ 7.00

Physical Damage

COLL $ 315 350.00

COMP $ 50.50 56.00

Towing

TOW $9.00

Rental Reimbursement

$20 per day, $600 max. $30.00

$50 PER DAY $1,000 MAX $46.00

Renters Personal Property

$10,000 coverage

RPP $35.00

BI 25/65 $134.50$154

PD 15 $206 179.50

PIP 3000 $36.86 38.00

REDUCED PIP* $28.13 29.00

*EXPENSE CONSTANT $25.00



Insurance Score Tier Factors

(Applies to all base premiums except towing and rental)

TIER

Discount Factor Attract Score

1 0.550 900-997

2 0.580 845-899

3 0.610 790-844

4 0.640 760-789

5 0.670 730-759

6 0.700 716-729

7 0.730 706-715

8 0.750 696-705

9 0.770 686-695

10 0.790 676-685

11 0.810 666-675

12 0.830 656-665

13 0.850 646-655

14 0.870 636-645

15 0.890 626-635

16 0.910 609-625

17 0.940 590-608

18 0.970 571-589

19 1.000 551-570

20 1.030 500-550

21 1.060 200-499 No Hit 15 0.890 No Score

TERRITORIES 3,4,5,6,7,8,9,10 1,2 UNINSURED MOTORIST BODILY INJURY 1.00 1.25 UNDER-INSURED MOTORIST BODILY INJURY 1.00 1.40 UNINSURED MOTORIST PROPERTY DAMAGE 1.00 1.27



RELATIVITY FACTORS Driver Class Factor - Married Males

Age BI PD PIP OTC COLL

15-16 3.50 3.50 2.90 2.30 2.80

17 3.30 3.30 2.80 2.20 2.70

18 3.00 3.05 2.60 2.10 2.55

19 2.50 2.30 1.95 1.95 2.30

20 2.00 1.90 1.75 1.80 2.05

21 1.75 1.70 1.55 1.65 1.80

22 1.60 1.58 1.42 1.55 1.60

23 1.45 1.45 1.33 1.45 1.45

24 1.35 1.35 1.26 1.35 1.35

25 1.27 1.25 1.20 1.28 1.25

26 1.22 1.20 1.15 1.22 1.20

27 1.20 1.17 1.11 1.18 1.16

28 1.18 1.15 1.09 1.13 1.14

29 1.16 1.13 1.07 1.08 1.12

30 1.10 1.10 1.05 1.05 1.10

31 1.08 1.10 1.05 1.05 1.10

32 1.06 1.10 1.05 1.05 1.10

33 1.06 1.10 1.05 1.05 1.08

34 1.06 1.10 1.05 1.05 1.08

35 1.06 1.05 1.07 1.02 1.06

36 1.06 1.05 1.07 1.02 1.06

37 1.06 1.05 1.07 1.02 1.04

38 1.06 1.05 1.07 1.02 1.04

39 1.06 1.05 1.07 1.02 1.04

40 1.06 1.05 1.11 0.97 1.02

41 1.06 1.05 1.11 0.97 1.02

42 1.06 1.05 1.11 0.97 1.02

43 1.06 1.05 1.11 0.97 1.02

44 1.06 1.05 1.11 0.97 1.02

45 1.06 1.05 1.11 0.97 0.99

46 1.06 1.05 1.11 0.97 0.99

47 1.06 1.05 1.11 0.97 0.99

48 1.06 1.05 1.11 0.97 0.99

49 1.06 1.05 1.11 0.97 0.99

50 1.03 1.00 1.05 0.94 0.95



51 1.03 1.00 1.05 0.94 0.95

52 1.03 1.00 1.05 0.94 0.95

53 1.03 1.00 1.05 0.94 0.95

54 1.03 1.00 1.05 0.94 0.95

55 1.03 1.02 1.00 0.90 0.95

56 1.03 1.02 1.00 0.90 0.95

57 1.03 1.02 1.00 0.90 0.95

58 1.03 1.02 1.00 0.90 0.95

59 1.04 1.02 1.00 0.90 0.95

60 1.05 1.03 1.02 0.90 0.97

61 1.06 1.04 1.02 0.90 0.97

62 1.07 1.05 1.04 0.90 0.97

63 1.08 1.06 1.04 0.90 0.99

64 1.09 1.07 1.04 0.90 0.99

65 1.12 1.09 1.06 0.87 1.00

66 1.15 1.11 1.06 0.87 1.01

67 1.18 1.13 1.06 0.87 1.02

68 1.20 1.15 1.06 0.87 1.03

69 1.25 1.18 1.06 0.87 1.04

70 1.30 1.23 1.10 0.84 1.06

71 1.34 1.28 1.10 0.84 1.09

72 1.38 1.32 1.10 0.84 1.12

73 1.42 1.37 1.10 0.84 1.15

74 1.47 1.42 1.10 0.84 1.18

75 1.60 1.50 1.20 0.84 1.21

76 1.68 1.55 1.25 0.84 1.24

77 1.77 1.62 1.30 0.84 1.27

78 1.83 1.68 1.40 0.84 1.31

79 1.89 1.75 1.50 0.84 1.35

80 1.96 1.81 1.55 0.80 1.40

81 2.00 1.86 1.55 0.80 1.44

82 2.05 1.90 1.55 0.80 1.47

83 2.10 1.94 1.55 0.80 1.50

84 2.15 1.98 1.55 0.80 1.53

85 2.15 2.01 1.55 0.80 1.56

86 2.20 2.04 1.55 0.80 1.59

87 2.20 2.08 1.55 0.80 1.61

88 2.25 2.12 1.55 0.80 1.61



89 2.25 2.16 1.55 0.80 1.61

90 2.25 2.20 1.55 0.80 1.65

Driver Class Factor - Married Females


15-16 2.30 2.22 2.15 1.70 2.30

17 2.25 2.18 2.05 1.70 2.25

18 2.10 2.10 1.92 1.65 2.18

19 1.95 1.95 1.70 1.50 2.05

20 1.55 1.60 1.55 1.45 1.75

21 1.40 1.35 1.43 1.40 1.55

22 1.30 1.28 1.32 1.35 1.43

23 1.20 1.22 1.25 1.30 1.32

24 1.15 1.18 1.18 1.22 1.24

25 1.10 1.10 1.10 1.15 1.15

26 1.10 1.10 1.05 1.11 1.11

27 1.10 1.10 1.05 1.11 1.11

28 1.10 1.08 1.05 1.11 1.11

29 1.10 1.08 1.05 1.11 1.11

30 1.05 1.04 1.10 1.05 1.05

31 1.05 1.04 1.10 1.05 1.05

32 1.05 1.04 1.10 1.05 1.05

33 1.05 1.04 1.10 1.05 1.03

34 1.05 1.04 1.10 1.05 1.03

35 1.07 1.05 1.10 1.00 1.03

36 1.07 1.05 1.10 1.00 1.03

37 1.07 1.05 1.10 1.00 1.03

38 1.07 1.05 1.10 1.00 1.03

39 1.07 1.05 1.10 1.00 1.03

40 1.07 1.05 1.08 0.95 1.01

41 1.07 1.05 1.08 0.95 1.01

42 1.07 1.05 1.08 0.95 1.01

43 1.07 1.03 1.08 0.95 1.01

44 1.07 1.03 1.08 0.95 1.01

45 1.05 1.03 1.08 0.95 1.01

46 1.05 1.02 1.08 0.95 1.01

47 1.05 1.02 1.08 0.95 1.01

48 1.05 1.02 1.08 0.95 1.01



49 1.05 1.02 1.08 0.95 1.01

50 0.98 1.00 1.02 0.90 0.95

51 0.98 1.00 1.02 0.90 0.95

52 0.98 0.98 1.02 0.90 0.95

53 0.98 0.98 1.02 0.90 0.95

54 0.98 0.96 1.02 0.90 0.95

55 0.98 0.96 0.96 0.85 0.90

56 0.98 0.96 0.96 0.85 0.90

57 0.98 0.96 0.96 0.85 0.90

58 0.98 0.98 0.94 0.85 0.90

59 0.98 0.98 0.94 0.85 0.90

60 0.96 1.00 0.95 0.85 0.90

61 0.96 1.00 0.96 0.85 0.90

62 0.96 1.00 0.97 0.85 0.90

63 0.96 1.02 0.98 0.85 0.90

64 0.96 1.02 0.99 0.85 0.90

65 0.98 1.04 1.00 0.85 0.92

66 1.00 1.06 1.01 0.85 0.94

67 1.03 1.08 1.02 0.85 0.96

68 1.06 1.10 1.03 0.85 0.97

69 1.10 1.12 1.04 0.85 0.98

70 1.15 1.15 1.05 0.80 1.00

71 1.20 1.19 1.06 0.80 1.02

72 1.25 1.25 1.07 0.80 1.06

73 1.30 1.30 1.08 0.80 1.09

74 1.35 1.35 1.09 0.80 1.12

75 1.42 1.40 1.10 0.80 1.18

76 1.50 1.45 1.11 0.80 1.24

77 1.55 1.55 1.12 0.80 1.30

78 1.60 1.62 1.13 0.80 1.34

79 1.65 1.68 1.14 0.80 1.38

80 1.70 1.73 1.15 0.75 1.42

81 1.73 1.78 1.16 0.75 1.45

82 1.75 1.83 1.17 0.75 1.48

83 1.77 1.88 1.18 0.75 1.50

84 1.79 1.93 1.19 0.75 1.52

85 1.81 1.98 1.20 0.75 1.54

86 1.84 2.02 1.21 0.75 1.56



87 1.88 2.05 1.22 0.75 1.58

88 1.92 2.08 1.23 0.75 1.58

89 1.97 2.10 1.24 0.75 1.58

90 2.00 2.12 1.25 0.75 1.58

Driver Class Factor - Single Males


15-16 4.60 4.50 2.50 2.50 3.50

17 4.40 4.35 2.35 2.30 3.40

18 4.10 3.95 2.10 2.10 3.25

19 3.50 3.25 1.90 1.95 3.05

20 2.95 2.75 1.75 1.80 2.75

21 2.35 2.20 1.60 1.65 2.45

22 2.05 1.95 1.48 1.55 2.15

23 1.85 1.75 1.35 1.45 1.95

24 1.65 1.60 1.25 1.37 1.75

25 1.45 1.40 1.15 1.30 1.60

26 1.43 1.38 1.10 1.30 1.55

27 1.41 1.36 1.10 1.30 1.50

28 1.39 1.34 1.10 1.30 1.50

29 1.36 1.32 1.10 1.30 1.45

30 1.33 1.28 1.10 1.25 1.35

31 1.31 1.26 1.10 1.25 1.35

32 1.29 1.24 1.10 1.25 1.35

33 1.27 1.22 1.10 1.25 1.35

34 1.25 1.20 1.10 1.25 1.35

35 1.23 1.16 1.05 1.20 1.30

36 1.21 1.16 1.05 1.20 1.25

37 1.20 1.16 1.05 1.20 1.20

38 1.19 1.16 1.05 1.20 1.20

39 1.18 1.16 1.05 1.20 1.20

40 1.17 1.12 1.10 1.15 1.18

41 1.16 1.12 1.10 1.15 1.18

42 1.15 1.12 1.10 1.15 1.18

43 1.15 1.12 1.10 1.15 1.15

44 1.15 1.12 1.10 1.15 1.15

45 1.15 1.12 1.10 1.10 1.12

46 1.15 1.12 1.10 1.10 1.12

47 1.15 1.12 1.10 1.10 1.12



48 1.15 1.12 1.10 1.10 1.12

49 1.15 1.12 1.10 1.10 1.12

50 1.15 1.09 1.05 1.05 1.08

51 1.15 1.09 1.05 1.05 1.08

52 1.15 1.09 1.05 1.05 1.08

53 1.15 1.09 1.05 1.05 1.08

54 1.15 1.09 1.05 1.05 1.08

55 1.10 1.06 1.05 1.00 1.03

56 1.10 1.06 1.05 1.00 1.03

57 1.10 1.06 1.05 1.00 1.03

58 1.10 1.06 1.05 1.00 1.03

59 1.10 1.06 1.05 1.00 1.03

60 1.13 1.09 1.07 1.00 1.05

61 1.16 1.12 1.09 1.00 1.07

62 1.19 1.15 1.11 1.00 1.09

63 1.22 1.18 1.13 1.00 1.11

64 1.26 1.21 1.15 1.00 1.13

65 1.30 1.25 1.17 1.00 1.15

66 1.34 1.30 1.20 1.00 1.17

67 1.39 1.36 1.23 1.00 1.19

68 1.45 1.42 1.26 1.00 1.21

69 1.52 1.46 1.30 1.00 1.23

70 1.60 1.50 1.35 0.95 1.26

71 1.68 1.56 1.40 0.95 1.30

72 1.76 1.62 1.43 0.95 1.34

73 1.84 1.68 1.47 0.95 1.38

74 1.92 1.75 1.50 0.95 1.41

75 2.00 1.85 1.53 0.95 1.44

76 2.10 1.95 1.56 0.95 1.50

77 2.22 2.05 1.59 0.95 1.58

78 2.30 2.10 1.62 0.95 1.65

79 2.35 2.20 1.65 0.95 1.80

80 2.40 2.25 1.68 0.90 1.90

81 2.45 2.30 1.71 0.90 1.95

82 2.50 2.35 1.74 0.90 2.00

83 2.55 2.40 1.77 0.90 2.00

84 2.58 2.40 1.79 0.90 2.00

85 2.60 2.45 1.80 0.90 2.00



86 2.60 2.45 1.80 0.90 2.00

87 2.60 2.50 1.80 0.90 2.00

88 2.60 2.50 1.80 0.90 2.00

89 2.60 2.60 1.80 0.90 2.00

90 2.60 2.60 1.80 0.90 2.00

Driver Class Factor - Single Females


15-16 4.00 3.50 2.50 1.80 2.95

17 3.60 3.40 2.35 1.70 2.80

18 3.30 3.20 2.20 1.60 2.70

19 2.90 2.80 2.00 1.50 2.35

20 2.50 2.40 1.80 1.43 2.05

21 2.15 2.10 1.63 1.37 1.85

22 1.85 1.77 1.50 1.32 1.70

23 1.65 1.60 1.40 1.29 1.55

24 1.50 1.50 1.32 1.27 1.45

25 1.45 1.40 1.28 1.25 1.35

26 1.43 1.38 1.28 1.24 1.35

27 1.41 1.37 1.28 1.22 1.35

28 1.39 1.36 1.28 1.20 1.35

29 1.37 1.35 1.28 1.18 1.35

30 1.35 1.30 1.30 1.17 1.25

31 1.35 1.30 1.30 1.16 1.25

32 1.35 1.30 1.30 1.16 1.25

33 1.35 1.30 1.30 1.16 1.25

34 1.35 1.30 1.30 1.16 1.25

35 1.35 1.30 1.33 1.14 1.20

36 1.35 1.30 1.33 1.14 1.20

37 1.35 1.30 1.33 1.14 1.20

38 1.35 1.30 1.33 1.14 1.20

39 1.35 1.30 1.33 1.14 1.20

40 1.30 1.22 1.33 1.10 1.17

41 1.30 1.22 1.33 1.10 1.17

42 1.30 1.22 1.33 1.10 1.17

43 1.30 1.22 1.33 1.10 1.17

44 1.30 1.22 1.33 1.10 1.17

45 1.30 1.20 1.30 1.06 1.12

46 1.30 1.20 1.30 1.06 1.12



47 1.30 1.20 1.30 1.06 1.12

48 1.30 1.20 1.30 1.06 1.12

49 1.30 1.20 1.30 1.06 1.12

50 1.20 1.10 1.20 1.02 1.03

51 1.16 1.10 1.18 1.02 1.03

52 1.16 1.10 1.16 1.02 1.03

53 1.16 1.10 1.14 1.02 1.03

54 1.16 1.10 1.12 1.02 1.03

55 1.12 1.07 1.10 0.98 1.00

56 1.12 1.07 1.10 0.98 1.00

57 1.12 1.07 1.10 0.98 1.00

58 1.12 1.07 1.10 0.98 1.00

59 1.12 1.07 1.10 0.98 1.00

60 1.15 1.08 1.10 0.94 1.03

61 1.17 1.10 1.10 0.94 1.03

62 1.19 1.12 1.10 0.94 1.03

63 1.21 1.14 1.10 0.94 1.03

64 1.23 1.16 1.10 0.94 1.03

65 1.25 1.19 1.10 0.90 1.05

66 1.27 1.22 1.10 0.90 1.07

67 1.30 1.25 1.10 0.90 1.10

68 1.33 1.28 1.10 0.90 1.13

69 1.36 1.32 1.10 0.90 1.16

70 1.40 1.36 1.10 0.87 1.19

71 1.44 1.40 1.10 0.87 1.22

72 1.48 1.44 1.10 0.87 1.25

73 1.52 1.48 1.10 0.87 1.28

74 1.55 1.52 1.10 0.87 1.31

75 1.58 1.56 1.10 0.84 1.34

76 1.61 1.60 1.10 0.84 1.37

77 1.63 1.64 1.10 0.84 1.40

78 1.65 1.68 1.10 0.84 1.42

79 1.67 1.72 1.10 0.84 1.44

80 1.70 1.75 1.10 0.80 1.46

81 1.73 1.78 1.10 0.80 1.48

82 1.76 1.80 1.10 0.80 1.50

83 1.79 1.80 1.10 0.80 1.50

84 1.82 1.80 1.10 0.80 1.50



85 1.85 1.80 1.10 0.75 1.55

86 1.88 1.90 1.10 0.75 1.55

87 1.91 1.90 1.10 0.75 1.55

88 1.94 1.90 1.10 0.75 1.55

89 1.97 1.90 1.10 0.75 1.55

90 2.00 1.90 1.10 0.75 1.55

ANNUAL VEHICLE MILEAGE FACTOR

Mileage Range bi pd pip coll otc um umpd

0 to 500 0.8703 0.8598 0.8703 0.8428 0.825 0.8708 0.8675

500 to 1000 0.8875 0.8765 0.8875 0.8583 0.8448 0.8883 0.885

1000 to 1500 0.9018 0.893 0.9018 0.8755 0.868 0.9023 0.902

1500 to 2000 0.911 0.906 0.911 0.8933 0.895 0.9118 0.9155

2000 to 2500 0.9195 0.9148 0.9195 0.9065 0.9135 0.92 0.9243

2500 to 3000 0.9263 0.9238 0.9263 0.918 0.9228 0.9268 0.933

3000 to 3500 0.9333 0.9328 0.9333 0.9278 0.9315 0.9338 0.942

3500 to 4000 0.94 0.9418 0.94 0.9378 0.9388 0.9405 0.9508

4000 to 4500 0.947 0.9498 0.947 0.9455 0.9463 0.9475 0.9585

4500 to 5000 0.953 0.9558 0.953 0.9523 0.9528 0.9535 0.9643

5000 to 5500 0.9578 0.961 0.9578 0.9578 0.958 0.9583 0.969

5500 to 6000 0.9618 0.9668 0.9618 0.9623 0.9613 0.9623 0.9743

6000 to 6500 0.9653 0.9705 0.9653 0.9663 0.9635 0.9658 0.9775

6500 to 7000 0.969 0.9728 0.969 0.9698 0.967 0.9695 0.979

7000 to 7500 0.9723 0.9748 0.9723 0.9715 0.9703 0.9725 0.9805

7500 to 8000 0.9743 0.9763 0.9743 0.973 0.9738 0.9748 0.9813

8000 to 8500 0.975 0.9793 0.975 0.9763 0.9768 0.9753 0.9835

8500 to 9000 0.9765 0.982 0.9765 0.9793 0.9803 0.9768 0.9858

9000 to 9500 0.9798 0.985 0.9798 0.9825 0.9833 0.98 0.988

9500 to 10000 0.9833 0.988 0.9833 0.986 0.9868 0.9833 0.9903

10000 to 10500 0.9865 0.9905 0.9865 0.9893 0.9898 0.9865 0.992

10500 to 11000 0.9908 0.9935 0.9908 0.9923 0.9928 0.9908 0.9943

11000 to 11500 0.995 0.9965 0.995 0.9958 0.9963 0.995 0.9965

11500 to 12000 0.999 0.9993 0.999 0.9993 0.9993 0.999 0.9993

12000 to 12500 1.007 1.0045 1.007 1.006 1.005 1.007 1.0045

12500 to 13000 1.0155 1.0105 1.0155 1.0125 1.0115 1.0155 1.0095

13000 to 13500 1.024 1.016 1.024 1.019 1.018 1.0235 1.0135

13500 to 14000 1.0305 1.022 1.0305 1.0255 1.024 1.0305 1.018

14000 to 14500 1.0375 1.028 1.0375 1.032 1.031 1.037 1.022

14500 to 15000 1.043 1.033 1.043 1.0385 1.037 1.0425 1.0255

15000 to 15500 1.049 1.039 1.049 1.045 1.0435 1.0485 1.0295

15500 to 16000 1.0555 1.045 1.0555 1.051 1.05 1.0545 1.034



16000 to 16500 1.0615 1.0505 1.0615 1.0575 1.057 1.061 1.0375

16500 to 17000 1.0675 1.0565 1.0675 1.0635 1.063 1.0665 1.042

17000 to 17500 1.0735 1.0625 1.0735 1.0705 1.0695 1.0725 1.046

17500 to 18000 1.079 1.068 1.079 1.0765 1.0755 1.0775 1.0495

18000 to 18500 1.085 1.074 1.085 1.083 1.082 1.0835 1.054

18500 to 19000 1.0925 1.0795 1.0925 1.089 1.088 1.0915 1.0575

19000 to 19500 1.101 1.085 1.101 1.095 1.0945 1.0995 1.061

19500 to 20000 1.109 1.091 1.109 1.102 1.1005 1.1075 1.065

20000 to 20500 1.117 1.097 1.117 1.108 1.1075 1.1155 1.069

20500 to 21000 1.1255 1.1025 1.1255 1.114 1.1135 1.1235 1.0725

21000 to 21500 1.1335 1.1085 1.1335 1.1205 1.12 1.1315 1.0765

21500 to 22000 1.1415 1.114 1.1415 1.1265 1.126 1.1395 1.0795

22000 to 22500 1.1505 1.12 1.1505 1.133 1.1325 1.148 1.0835

22500 to 23000 1.1585 1.126 1.1585 1.139 1.1385 1.156 1.0875

23000 to 23500 1.1665 1.1315 1.1665 1.145 1.145 1.164 1.091

23500 to 24000 1.1745 1.137 1.1745 1.1515 1.1505 1.1715 1.094

24000 to 24500 1.182 1.143 1.182 1.1575 1.157 1.179 1.098

24500 to 25000 1.19 1.1485 1.19 1.1635 1.1635 1.187 1.101

25000 + 1.192 1.15 1.192 1.165 1.1645 1.189 1.102



INCREASED LIMIT FACTORS

Liability

BODILY INJURY FACTOR PROPERTY DAMAGE FACTOR

25/65 1.00 15,000 1.00

50/100 1.22 25,000 1.07

100/300 1.39 50,000 1.15

Uninsured Motorists Increased Limits

BODILY INJURY FACTOR

25/65 1.00

50/100 1.60

100/300 2.20

Underinsured Motorists

Increased Limits

BODILY INJURY FACTOR

10/20 1.00

25/65 1.50

50/100 2.00

100/300 3.00

Point Factors

LIABILITY & PIP PHYSICAL DAMAGE

POINTS FACTOR FACTOR

0 1.00 1.00

1 1,08 1.06 1.02 1.06

2 1.19 1.17 1.09 1.09

3 1.32 1.23 1.24

4 1.40 1.37 1.25 1.31

5 1.50 1.48 1.50 1.47

6 1.67 1.69

7 1.89 1.79

8 2.28 1.98

9 2.49 2.26

10 2.91 2.60

11+ 2.91 2.60



Vehicle Age Factors

AGE OTC COLL LIA

0 1 1 1.05

1 0.95 0.96 1.01

2 0.91 0.92 1.01

3 0.86 0.89 0.99

4 0.83 0.85 0.99

5 0.79 0.81 0.97

6 0.75 0.76 0.97

7 0.71 0.71 0.95

8 0.68 0.65 0.95

9 0.65 0.61 0.93

10 0.62 0.56 0.93

11 0.6 0.52 0.91

12 0.58 0.49 0.91

13 0.54 0.46 0.89

14 0.5 0.43 0.89

15 0.46 0.4 0.89

16 0.45 0.38 0.89

17 0.44 0.36 0.89

18 0.43 0.35 0.89

19 0.42 0.34 0.89

20 0.41 0.33 0.89

21 0.4 0.32 0.89

22 0.39 0.31 0.89

23 0.38 0.3 0.89

24 0.37 0.3 0.89

25 0.36 0.3 0.89



VEHICLE SYMBOL FACTORS

RA1 BI PD PIP OTC COLL

A 0.599

0.589 0.581 0.804 0.745

B 0.659

0.625 0.627 0.804 0.844

C 0.725

0.662 0.678 0.804 0.899

D 0.793

0.702 0.736 0.891 0.923

E 0.846

0.750 0.767 0.942 0.923

F 0.888

0.802 0.802 0.942 0.963

G 0.927

0.871 0.858 1.000 0.963

H 0.955

0.927 0.900 1.000 1.000

J 0.978

0.963 0.953 1.010 1.000

K 1.000

1.000 1.000 1.164 1.000

L 1.021

1.032 1.042 1.164 1.053

M 1.043

1.063 1.086 1.263 1.053

N 1.069

1.087 1.137 1.698 1.188

P 1.094

1.116 1.188 2.128 1.444

R 1.129

1.149 1.245 N/A N/A

T 1.164

1.182 1.289 N/A N/A

U 1.223

1.213 1.346 N/A N/A

V 1.284

1.247 1.413 N/A N/A

W 1.348

1.295 1.484 N/A N/A

X 1.415

1.361 1.558 N/A N/A

Y 1.486

1.442 1.636 N/A N/A

RA2 BI PD PIP OTC COLL

A 0.447 0.599 0.518 0.634 0.690

B 0.492 0.635 0.559 0.683 0.741

C 0.541 0.674 0.604 0.733 0.793

D 0.621 0.714 0.653 0.783 0.842

E 0.69 0.757 0.699 0.833 0.878

F 0.748 0.795 0.743 0.875 0.902

G 0.799 0.821 0.790 0.910 0.927

H 0.842 0.850 0.833 0.945 0.951

J 0.878 0.898 0.872 0.975 0.976

K 0.918 0.932 0.908 1.000 1.000

L 0.957 0.964 0.950 1.025 1.024

M 1 1.000 1.000 1.050 1.049

N 1.04 1.030 1.050 1.075 1.073

P 1.079 1.059 1.095 1.100 1.098

R 1.123 1.088 1.142 1.130 1.135



T 1.174 1.115 1.185 1.165 1.183

U 1.228 1.140 1.220 1.205 1.232

V 1.297 1.174 1.250 1.250 1.293

W 1.402 1.199 1.288 1.298 1.366

X 1.493 1.233 1.332 1.360 1.439

Y 1.59 1.306 1.398 1.435 1.512

Z N/A N/A N/A 1.510 1.585

0 N/A N/A N/A 1.585 1.659

1 N/A N/A N/A 1.660 1.732

2 N/A N/A N/A 1.735 1.805

3 N/A N/A N/A 1.815 1.878

4 N/A N/A N/A 1.900 1.951

5 N/A N/A N/A 1.985 2.024

6 N/A N/A N/A 2.075 2.098

7 N/A N/A N/A 2.170 2.171

8 N/A N/A N/A 2.265 2.244

9 N/A N/A N/A 2.404 2.320

DEDUCTIBLE FACTORS Physical Damage

COMPREHENSIVE FACTOR COLLISION FACTOR

1,000 0.91 1,000 0.87

500 1.00 500 1.00

250 1.36 250 1.29

100 2.40 N/A

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