Tennessee Automobile

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1 Tennessee Automobile Manual of Rules Preferred Auto Insurance Company Effective

2 I. General Rules GR-1 Binding Authority For new business, coverage may be bound at the time and date shown on the application provided: A. The risk does not appear as ineligible as outlined in the underwriting guidelines; B. The risk is within described classes and limits published by us; C. The application is fully completed and accompanied by a valid gross check; and D. The application is received within 5 calendar days of the effective date of coverage. Binding authority for all coverages are suspended when the National Weather Service issues a hurricane watch or warning, tornado watch or warning, or winter storm warning. GR-2 Policy Terms Policy Terms are 1 month, 3 months, 6 months or 12 months; however, any point surcharge under the Accident / Violation Surcharge Point Table shall be applied only at 6 month intervals from the initial effective date of policies which are continuously renewed without lapses in coverage. GR-3 Fees Term Premium 12 Months Use Annual Premium 6 Months Use ½ Annual Premium 3 Months Use ¼ Annual premium 1 Month Use 1/12 Annual Premium A. There shall be a $20 nonrefundable policy fee charged for each new policy. B. There shall be a $10 nonrefundable policy fee charged for each renewal policy. C. A $15 fee applies to all reinstatements. D. A $10 billing fee will be added to each payment subsequent to the initial payment. E. A $20 NSF fee applies for each payment returned to the company for insufficient funds. F. A $20 fee applies to SR-22. G. A $3.00 convenience fee applies to all Credit Card and Electronic check payments.

3 GR-4 Renewals Renewals will be sent to the Named Insured approximately 14 days prior to renewal with electronic copies to the agent. If the renewal payment is not received within 10 days after expiration, an offer to rewrite will be extended to the customer. GR-5 Cancellations Cancellations are processed in compliance with Tennessee statutes. Flat cancellations are not permitted by insured request unless the policy is returned prior to the inception date and provided an SR-22 was not filed. Insured request cancellations will be calculated on a short rate basis (90% of prorated return premium). If any check given as payment of any premium or installment or any portion of either is not honored when presented to the bank on which it is drawn, this policy automatically terminates as of the beginning of the term for which payment was due. GR-6 Misrepresentation and Fraud Tennessee Statute recognizes the insured s responsibility and obligation to truthfully and fully complete an application for insurance. Material misrepresentation on the application, change requests, and renewal questionnaires may affect the insured s eligibility to receive the benefits of the insurance contract. A. The Company may declare the policy null and void from inception, cancel the policy, or collect additional premium due from inception should misrepresentation be discovered. B. The Company may not pay a claim on a policy if information presented on an application, change request, or renewal questionnaire is false or misleading or the correct information would result in a premium change or unacceptable risk. GR-7 Driver Rating Class Assignment Use the driver s age at the effective date. For new business, an age change within six months absolute may be used for the insured s advantage. All drivers must be rated on the policy or specifically excluded by an Exclusion Form. All licensed residents of the household must be rated or excluded and any unlicensed resident age 14 or older excluded. Married includes only those risks with the insured and spouse living at the same address. Unmarried, divorced, or separated individuals who are employed with children in their custody may be rated as married drivers. Single includes those that are single, separated, divorced or widowed. It also includes married not residing with spouse and living together and not married. GR-8 Named Driver Exclusion A Named Driver Exclusion is required on all persons in the household of the insured who are not to be considered for rating.

4 GR-9 SR-22 Filing A. Filings are restricted to the State of Tennessee. B. A fully earned fee of $20 will be charged for each filing per policy term. C. A minimum two-point surcharge applies. D. Does not include Business Use. GR-10 Named Operator / Non-Owner A. This coverage should be written when an insured needs Liability coverage for the personal operation of a vehicle not owned by the insured, by a person in the same household, or any vehicle furnished or available for insured's use. B. Applies only to the named insured on non-owned vehicles. There is no coverage for a spouse or any other person and permissive use is not included. C. BI/PD Liability, Medical Payments, and UM BI/PD are available with minimum limits. D. Discounts and SR-22s are available. E. No business use is allowed. GR-11 Rating Procedure A. Single Car Assign the driver with the highest rated premium, before discounts, to the auto. Use their points. B. Multi-car 1. Assign the driver with the highest rated premium, before any discounts, to the automobile with the highest premium. Assign the next highest rated driver to the next highest rated automobile and so forth for all covered vehicles. Use only the points for the driver assigned to each vehicle. 2. Excess drivers are not assigned to any vehicle. 3. Excess vehicles are assigned to driver class EV01, EV02 or EV03 depending on the number of extra vehicles to be assigned. A suffix of 01 would indicate one extra vehicle, 02 would be two extra vehicles, and 03 would be three extra vehicles.

5 GR-12 Accident / Violation Surcharge Point Table Apply to BI, PD, Comprehensive, Collision and Med Pay The experience period for the purpose of determining the total number of points and premium applicable shall be the 24 month period immediately preceding the date coverage is effective for new and renewal policies. For new business, expiration of accidents and violations within 30 days absolute may be used to the insured s advantage. Use the highest point charge for multiple point counts arising out of one occurrence. Violations Point Charges Selected Violations Point Charges Selected Felony Homicide 6 Felony Motor Vehicle first offense 3 Manslaughter 6 Eluding/Fleeing Police first offense 3 Leaving Scene of Accident add l offense 6 Drag Racing 3 Hit and Run add l offense 6 DUI/DWI (and alcohol/drug related charges) - first offense 3 DUI/DWI (and alcohol/drug related charges) Driving While License Suspended/Revoked or Add l offense 5 Canceled 2 Eluding/Fleeing Police add l offense 5 Careless Driving first offense 2 International License 5 Reckless Driving first offense (** SR22 2 point minimum) 2 Reckless Driving add l offense 4 Lending Drivers License 1 Leaving Scene of accident first offense 4 Passing School Bus 1 Hit and Run first offense 4 Wrong Side of Road 1 Careless Driving add l offense 4 Wrong way on One Way 1 Failure to Report 4 Driving w/o Owner Consent 1 Felony Motor Vehicle add l offense 4 Minor (other) 1 At-Fault Accident 3 Inexperienced Operator (continuously licensed < 12 months) 3 ** If insured has less than 2 points, then 2 points are charged. If insured has 2 or more points, no further charge is assessed. Forfeiture of bail or a plea of nolo contendere shall be considered the same as a conviction. Definition of Accident*: At-Fault Accident shall mean when applicant or other driver of applicant s vehicle (1) was entirely or partially at fault, (2) was contributorily negligent, (3) has been convicted of any offense which occurred at the time of the accident, or (4) when payment for injury or damages has been made by or on behalf of the applicant or other driver of the applicant s vehicle. An accident shall be considered at-fault unless the applicant furnishes the company at the time of application, or, in the case of renewal, at least 45 days prior to renewal date, with official data or affidavits, from a legally constituted public authority, or other proof satisfactory to the company that such applicant or other driver was not at fault. GR-13 Application of Discounts and Surcharges A. Discounts (Apply to the premiums for Bodily Injury, Property Damage, Medical Payments, Comprehensive and Collision coverages except where otherwise noted).

6 Note: The maximum allowable discount cannot exceed 40%. 1. Renewal Discount The amount of the discount depends on the level of transfer discount (or lack of transfer discount) awarded at policy inception. The renewal discount is awarded upon the first renewal following six months continuous coverage, and can be applied concurrently with the transfer discount. a. Renewal A : The Named Insured previously received the Transfer A discount; b. Renewal B : The Named Insured previously received the Transfer B discount; c. Renewal C : The Named Insured previously received the Transfer C discount; d. Renewal A : The Named Insured previously received no Transfer discount. 2. Transfer Discount One of three transfer discounts applies to any new policy meeting the following: i. Transfer A : The Named Insured was previously insured with another company for the 6 months prior to the policy inception with no lapse in coverage, or did not require insurance under Tennessee s financial responsibility statue; ii. iii. Transfer B : The Named Insured was previously insured with another company for the 6 months prior to the policy inception with no more than a 7 day lapse in coverage; Transfer C : The Named Insured was previously insured with another company for the 6 months prior to the policy inception with no more than a 30 day lapse in coverage; Proof of prior insurance must accompany the application and be in the form of a: iv. Declarations page; v. Computer generated ID card from prior Company; vi. Renewal declarations; vii. Renewal billing; or viii. Letter from the prior Company. 3. Multi-car (each vehicle) A discount applies to all vehicles on a policy with more than one vehicle. A different discount can be awarded for policies where more than one vehicle has physical damage coverage. 4. Homeowners Discount A discount will be allowed on policies when the Named Insured(s) own(s) a home and live(s) in the home. Home is defined as a house, condominium, or townhouse. Mobile homes are ineligible. 5. Named Operator / Non-Owner Discount A discount applies to Bodily Injury, Property Damage and Medical Payment coverages. 6. Paid In Full Discount A discount applies for insureds who elect to pay their 3, 6 or 12 month policies in full. 7. Quarterly Pay Discount A discount applies for insureds who elect to pay in full on a quarterly basis. This must include a down payment equal to three months of coverage. 8. Loss Free Discount A Loss Free discount may apply to any policy where the insured has remained loss-free for at least one year. Definitions:

7 Loss Free Years The number of consecutive years within the total evaluation period immediately preceding the preparation of the policy without a counted loss. Evaluation Period The years immediately preceding the preparation of the policy. Counted Loss Any loss paid by the insured or any insurance company on his behalf, except that the term counted loss does not include: a. Towing and labor claims; b. Claims closed with no payment; c. The first two (2) windshield or glass repair payments, regardless of vendor; Note: Replacement of windshield of glass does NOT constitute a repair. d. The first loss, during the evaluation period, of any of the following types: ix. Any premises or automobile comprehensive loss caused by lighting, wind, hail, earthquake; x. Any automobile comprehensive loss caused by explosion or by water damage or flood; xi. Any premises loss caused by landside or by weight of ice, snow, or sleet; xii. Any loss caused by the operation of a motor vehicle, classified as a not-at-fault-loss. Uninsured motorist and underinsured motorist losses are considered not-at-fault losses. Note: A payment for an at-fault automobile accident is a counted loss regardless of size. No more than one loss may be excluded under this section f, regardless of the number of types incurred. Note: The first loss is referred to as the earliest loss, not the most recent. In all aspects of the computation of this discount, multiple claims arising from a single occurrence will be treated as one loss regardless of the number of perils or coverages involved. 9. Automatic Bank Draft Payment Discount A discount is applied to those risks seeking to pay their installments via pre-arranged automatic bank draft via recurring electronic check or credit/debit card. Enrollment is this plan at time of issue is required to earn the discount. B. Surcharges 1. SR-22 A $20 fee and two point minimum applies to risks requiring an SR-22 filing. 2. Business Use A surcharge will apply to all individually owned four wheel private passenger vehicles rated as 3/4 ton or less capacity when used for transportation of tools and/or materials incidental to the insured s business to a job site where the vehicle will remain parked for most of the work day. i. ELIGIBLE: Vehicle must be individually owned and may only be operated by drivers listed on the application. ii. INELIGIBLE: Pickups, vans, utility vehicles, or commercially owned vehicles used for business purposes are unacceptable, except artisan vehicles used to carry tools and supplies between the insured s home and job site. 3. A surcharge may apply to some four-wheel drive or extra hazard vehicles. This surcharge applies to vehicles including, but not limited to, the following: Make Model Make Model Chevrolet C20/K20/R20/V20 4x4 Dodge D x4 Chevrolet C2500 4x4 Dodge W-200 4x4 Chevrolet K1500 4x4 Dodge W-250 4x4

8 GR-14 Payment Plans Chevrolet K2500 4x4 Dodge W x4 Chevrolet R1500 4x4 Ford Excursion 4x4 Chevrolet R2500 4x4 Ford F-250 4x4 Chevrolet Sportside Conversion 4x4 GMC Canyon 4x4 Chevrolet Suburban 4x4 GMC Sierra x4 Chevrolet Syclone 4x4 GMC Suburban 4x4 Chevrolet Tahoe 4x4 GMC Yukon 4x4 Chevrolet Typhoon 4x4 GMC Yukon Denali 4x4 Chevrolet V2500 4x4 Isuzu Rodeo 4x4 Chevrolet ZR2 4x4 Nissan Armada 4x4 4. If a vehicle is added to an existing policy and is considered an unacceptable risk, a surcharge may apply and the policy may be non-renewed at expiration. A. DB01 For an annual policy, the insured may pay 100% of the premium at issuance. B. DB03 For a three month policy, the insured may pay 50% down and 50% within 45 days from inception date of the policy. C. DB04 For an annual policy, the insured may pay 25% down for the first 3 months. Equal payments of 25% of the annual premium will be due every 3 months. D. DB06 For a six month policy, the insured may pay 16.66% down for the first month. Equal payments of 16.66% will be due every month thereafter. E. DB12 For an annual policy, the insured may pay 8.33% down for the first month. Equal payments of 8.33% will be due every month thereafter. F. DB13 For an annual policy, the insured may pay 6% down for the first 20 days. The remaining balance will be divided by 12, with each payment due every 28 days. G. Variable Down Payment Feature applies to all plans. Minimum 8.33% or 16.66% down payment amount may be adjusted and remaining payments are adjusted by an equal pro-rata amount.. GR-15 Custom and Special Equipment The following equipment is excluded from coverage: 1. All Equipment which is NOT a factory option installed at the factory, or by a factory-authorized dealer is considered Custom and Special Equipment. 2. Certain equipment even though it may be factory/factory-authorized dealer installed such as radar detectors and citizens band radios. 3. Custom or conversion vans only the original van as it came from the factory is covered by the unendorsed policy. II. Unacceptable Risks Any risk with any one or more of the following characteristics is unacceptable: UR-1 All Coverages:

9 A. Applicant/First Named Insured who is a minor (Parent or legal guardian must be the applicant and first named insured who signs the application if a minor is a driver.) B. Operators under the age of 16 unless they have a valid Tennessee learners permit. C. Insureds not residing in Tennessee a minimum of 10 months per year. D. Vehicles not garaged in Tennessee a minimum of 10 months per year. E. Any vehicle with tracks, crawler treads, or more or less than 4 wheels. F. Gray market cars cars not originally manufactured to meet U.S. standards. G. Vehicles used for pickup/delivery, livery or any commercial purposes. H. All vehicles with logos or advertising on them. I. Emergency vehicles. J. Vehicles equipped or used for snowplowing. K. Pickups, vans, trucks with a load capacity in excess of ¾ ton. L. Antique, restored, custom built or limited production vehicles. M. Recreational vehicles and motor homes. N. Dune buggies, dragsters, cars used for racing, modified vehicles, and vehicles with altered suspensions. (Any vehicle with non-factory mechanical or structural modifications.) O. Vehicles carrying explosives or flammable substances. P. Celebrities, entertainers, and persons of notoriety. Q. Insureds who, upon request from the Company, do not furnish an acceptable Driver Fitness Report (HO-49) signed by a physician. (Company does not pay examination costs.) R. Risks developing more than 12 points on any operator. S. Risks who drive more than 36,000 miles annually.

10 T. Risks with four or more extra vehicles. U. Vehicles with a cost new or a current ACV of over $50,000. V. Military personnel seeking a policy term of greater than six months. W. Unverifiable driving record. X. Corvettes, Jeep Wrangler, Jeep CJ series, Jeep DJ series, and other extra-hazard vehicles. Y. Drivers over the age of 75. Z. Custom or Conversion Vans. UR-2 Physical Damage Coverage A. Vehicles over 24 model years old. B. Physical Damage on stated value basis. C. Vehicles with lift kits and/or oversize tires. D. Trailers of any type. E. Vehicles with symbol 22 or greater.

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