RATING INFORMATION NEW JERSEY

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "RATING INFORMATION NEW JERSEY"

Transcription

1 PERSONAL AUTO PP RATING INFORMATION NEW JERSEY Your auto has been classified under a six digit numerical code (for example, 8110) as indicated on the policy Declarations Page. The information on the following pages explains the components of the classification code and can help you determine how we classified your auto. We established the classification based on statements made by or on behalf of the named insured. This classification is one of the components we use in developing your premiums for the following coverages: Bodily Injury and Property Damage Liability (or Single Limit Liability), Other Than Collision, and Collision. We will use code 8110 as an example in explaining how your auto is classified The 1st digit (the 8 in the example 8110) is always 8 and identifies the auto as a private passenger auto The 2nd and digits (the 11 in the example 8110) indicate the OPERATOR CLASSIFICATION. It is based on the age, gender, marital status and driver training status of the operators. OPERATOR CLASSIFICATION (Identifies the, Gender, Marital Status and Driver Training Status) 2nd and No Youthful Operator Only Operator In Household Is A Female 30 to 64 Principal Operator Principal Operator 75 or Over All Other Youthful Unmarried Female 17, or less, Without Driver Training 17, or less, With Driver Training 21, With or Without Driver Training 2nd and Youthful Married Male 17, or less, Without Driver Training 17, or less, With Driver Training 21, With or Without Driver Training Youthful Unmarried Male, Not Owner Or Principal Operator 17, or less, Without Driver Training 17, or less, With Driver Training 21, With or Without Driver Training PP Insurance Services Office, Inc., 08 Page 1 of 5

2 2nd and Youthful Unmarried Male, Owner Or Principal Operator 17, or less, Without Driver Training 17, or less, With Driver Training 21, With or Without Driver Training The 4th digit (the 2 in the example 8110) indicates the USE CLASSIFICATION, which identifies the way the auto is used. 4th Digit USE CLASSIFICATION No Youthful Operator Pleasure Use Drive to Work less than 10 Miles Drive to Work 10 or More Miles Business Use Farm Use Youthful Operator Pleasure Use or Farm Use Drive to Work or Business Use Pleasure Use or Farm Use With Good Student Discount 5 Drive to Work or Business Use With Good Student Discount The 5th and 6th digits (the 00 in the example 8110) are for insurance company use only, and are not part of the classification plan we use. CLASSIFICATION DEFINITIONS 1. Business Use means that the use of the auto is required by or customarily involved in the duties of the applicant or any other person customarily operating the auto, in an occupation, profession or business, other than going to or from the principal place of occupation, profession or business. 2. Farm Use means the auto is principally garaged on a farm or ranch, and a. It is not customarily used in going to or from work other than farming or ranching, or in driving to or from school; and b. It is not customarily used in any occupation other than farming or ranching. 3. Pleasure Use means: or school: (1) Less than three road miles one way; or (2) Three or more, but less than 10, road miles one way for not more than two days per week or not more than two weeks in any five week period. 4. Drive To Work Less Than 10 Miles means: or school: (1) Three or more, but less than 10, road miles one way if such usage is more than two days per week or more than two weeks in any five week period; or (2) 10 or more road miles one way, for not more than two days per week or not more than two weeks in any five week period. 5. Drive To Work 10 Or More Miles means: or school 10 or more road miles one way more than two days per week or more than two weeks in any five week period. 6. Youthful Operator means an applicant or any other operator resident in the same household as the applicant, who customarily operates the auto, and is one of the following: a. Youthful Unmarried Female Operator unmarried female under 25 years of age; b. Youthful Married Male Operator married male under 25 years of age; Page 2 of 5 Insurance Services Office, Inc., 08 PP

3 c. Youthful Unmarried Male Operator unmarried male under 25 years of age who is not an owner or principal operator; d. Youthful Unmarried Male Owner Or Principal Operator unmarried male under 30 years of age who is an owner or principal operator. CLASSIFICATION NOTES 1. A person in active military service with the armed forces of the United States of America is not considered a resident in the applicant's household unless this person customarily operates the auto. 2. If a Youthful Unmarried Female Operator or a Youthful Unmarried Male Operator is a student residing at an educational institution over 100 road miles from the auto's place of principal garaging, the auto is rated as if the student is Married. 3. The applicable Driver Training Classification applies to each Youthful Operator under 21 years of age where "satisfactory evidence" is presented that such operator has successfully completed an approved driver education course. 4. The applicable Good Student Classification applies to each owner or operator who is at least 16 years of age and is a full-time high school, college or university student and has met the requirements for the Good Student Discount. Generally, this means students with a B average or better. TIER RATING PLAN The Tier Rating Plan is the plan by which your driving record is reflected in determining your auto insurance premiums. "Driving record" refers to factors including but not limited to chargeable accidents, traffic convictions, and years of driving experience of you and any occasional drivers of your autos in the previous three years. Each auto on your policy has been assigned to one of the rating tiers described below. In general, a lower number tier corresponds with lower premium charges; a higher number tier corresponds with higher premium charges. Refer to the policy Declarations Page to find the rating tiers that have been assigned to your autos. The rating tier affects your premiums for the following coverages: B.I. Liability and P.D. Liability (or Single Limit Liability Coverage), Personal Injury Protection, Comprehensive and Collision. RATING TIER DEFINITIONS All driving record criteria specified in these tier definitions apply to an operator's driving record for the three-year experience period immediately preceding the application for a policy or preparation of a renewal. Tier 1 The eligibility criteria for Tier 1 are: a. The driver has been licensed to drive for at least three years; and b. The driver has had no chargeable accidents and has not been convicted of a motor vehicle violation; and c. The driver has had no major convictions as defined in this form; and d. If one or more drivers are assigned to the vehicle years and meet the eligibility criteria for Tier 1. Tier 2 (Standard Tier) The eligibility criteria for Tier 2 are: a. The driver has been licensed to drive for at least three years; and b. The driver has had no chargeable accidents and has accumulated no more than six motor vehicle points; and c.the driver has had no major convictions as defined in this form; and d. If one or more drivers are assigned to the vehicle years and meet the eligibility criteria for Tier 1 or Tier 2. Tier 3-A The eligibility criteria for Tier 3-A is: The driver would otherwise qualify for Tier 2, but there is a driver in addition to the named insured and that driver is an inexperienced non-principal operator. An inexperienced operator is a driver who would otherwise qualify for Tier 2, but he or she has been licensed to drive less than three years. Tier 3-B The eligibility criteria for Tier 3-B is: The driver would otherwise qualify for Tier 2, but he or she is an inexperienced principal operator. An inexperienced operator is a driver who would otherwise qualify for Tier 2, but he or she has been licensed to drive less than three years. Tier 4 The eligibility criteria for Tier 4 are: a. The driver has been licensed at least three years and has had no more than one chargeable accident in the three-year period immediately preceding the effective date of the policy; and b. The driver has accumulated no more than six motor vehicle points; and c. The driver has had no more than one major conviction, as defined in this form; and PP Insurance Services Office, Inc., 08 Page 3 of 5

4 d. If one or more drivers are assigned to the vehicle years and meet the eligibility criteria for Tier 1 or Tier 2. Tier 5 The eligibility criteria for Tier 5 is: The driver does not otherwise qualify for Tiers 1-4. TIER RATING PLAN NOTES 1. If there are more autos covered on the policy than drivers covered on the policy, we will assign Standard Tier 2 to autos in excess of the number of drivers. However, if all drivers insured on the policy qualify for Tier 1, Tier 1 will apply to all autos. 2. The term "chargeable accident", as used in this form, shall mean any accident that occurred during the experience period, involving the applicant or any current resident operator, while operating an auto, which results in: a. Bodily injury or death; b. Total damage to all property including his or her own in excess of $1,000; or c. Total damage to all property including his or her own amounting to $1,000 or less, but only if there are two or more such accidents during the experience period, each of which resulted in damage to property, but has not been defined as an accident under b. above. EXCEPTIONS A chargeable accident shall not include the following: a. Accidents incurred by an operator demonstrated to be a named insured or a principal operator of an auto insured under a separate policy; and b. Accidents occurring under the following circumstances: (1) Auto lawfully parked (if the parked vehicle rolls from the parked position then any such accident is charged to the person who parked the auto); or (2) The applicant, owner or other resident operator reimbursed by, or on behalf of, a person who is responsible for the accident or has judgment against such person; or (3) Auto is struck in the rear by another vehicle and the applicant or other resident operator has not been convicted of a moving traffic violation in connection with this accident, or (4) Operator of the other auto involved in the accident was convicted of a moving traffic violation and the applicant or resident operator was not convicted of a moving traffic violation in connection with the accident; or (5) Auto operated by the applicant or any resident operator is struck by a "hit-and-run" vehicle, if the accident is reported to the proper authority within hours by the applicant or resident operator; or (6) Accidents involving damage by contact with animals or fowl; or (7) Accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or falling objects; or (8) Accidents occurring when using auto in response to an emergency if the operator of the auto at the time of accident was a paid or volunteer member of any Police or Fire Department, First Aid Squad, or any law enforcement agency. This exception does not include an accident occurring after the auto ceases to be used in response to such emergency. 3. Certain minor speeding convictions and chargeable accidents are not used for the purpose of assigning your auto(s) to a higher rated tier. 4. The term "major conviction", as used in this form, means a conviction of one of the following offenses, which are NOT assigned motor vehicle points pursuant to N.J.A.C. 13:-10.1: a. Driving while intoxicated or under the influence of drugs; b. Refusal to submit to a chemical test; c. Vehicular homicide; or d. Operating a motor vehicle while driving privilege is suspended. 5. If you have any questions about how your policy was rated, contact your insurance agent or us. PREMIUM DISCOUNTS 1. A Multi-Car discount is afforded if more than one auto is owned by you or owned jointly by you and one or more relatives or resident individuals, and two or more autos are insured by us for any of the following coverages: Bodily Injury and Property Damage Liability (or Single Limit Liability), Other Than Collision, and Collision. 2. A discount on Other Than Collision Coverage premiums, ranging from 5% to %, is afforded for vehicles equipped with an eligible anti-theft device or vehicle recovery system. Page 4 of 5 Insurance Services Office, Inc., 08 PP

5 Consult your agent or us for additional information about the anti-theft device discount or vehicle recovery system discount on your policy. 3. A discount on PIP Coverage premiums is afforded for private passenger autos equipped with factory installed automatic occupant restraints, conforming to the federal crash protection requirements. Discounts are provided for restraint systems meeting the criteria of either Paragraph a. or b. below: a. % discount is afforded when the restraint is installed in the driver-side-only position. b. 30% discount is afforded when the restraints are installed in both front outboard seat positions. 4. A 5% discount is afforded on Bodily Injury and Property Damage Liability (or Single Limit Liability) coverage premiums for those private passenger autos equipped with factory installed four wheel Anti-Lock Braking Systems (ABS). 5. A 5% Defensive Driving Course Discount is afforded on Bodily Injury and Property Damage Liability (or Single Limit Liability), Personal Injury Protection, and Collision Coverage premiums if the operator(s) of the auto presents to us a completion certificate dated within the last 36 months certifying that he/she has successfully completed an approved defensive driving course. This endorsement must be attached to the Change Endorsement when issued after the policy is written. PP Insurance Services Office, Inc., 08 Page 5 of 5

"Insurance Services Office, Inc. Copyright"

Insurance Services Office, Inc. Copyright PERSONAL AUTO PP 03 70 07 06 "Insurance Services Office, Inc. Copyright" This form has been promulgated by the Virginia State Corporation Commission for use by all licensed insurers in the Commonwealth

More information

PENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT

PENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT PENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT AU PA0d 0 GENERAL GENERAL GE In accordance with Pennsylvania Law, we are providing you with an explanation of our Safe Driver Insurance Plan, under which your

More information

ACCIDENT AND VIOLATION RATING PLAN

ACCIDENT AND VIOLATION RATING PLAN Minnesota Surcharge Disclosure Statement Thank you for the opportunity to provide this important insurance protection. As your insurance provider, we like to keep you informed of factors affecting your

More information

Important Rating Information About Your Maryland Auto Insurance Policy

Important Rating Information About Your Maryland Auto Insurance Policy Important Rating Information About Your Maryland Auto Insurance Policy Your auto policy has been classified based upon the information provided to us by the named insured. Why Your Premium May Be Adjusted

More information

OREGON MUTUAL INSURANCE COMPANY AUTOMOBILE POLICY CLASSIFICATIONS

OREGON MUTUAL INSURANCE COMPANY AUTOMOBILE POLICY CLASSIFICATIONS Each private passenger automobile owned by an individual or owned jointly by two or more relatives who are residents in the same household shall be classified as follows: Each automobile insured according

More information

For Payment Submission

For Payment Submission VIRGINIA Private Passenger Automobile PROCEDURAL MANUAL GENERAL INFORMATION West Virginia National Auto Insurance Company s Private Passenger Auto Program is designed to provide competitively priced insurance

More information

PERSONAL AUTO MANUAL

PERSONAL AUTO MANUAL PERSONAL AUTO MANUAL TABLE OF CONTENTS ITEM RULE # PA PAGE Antique Autos... 18... 27-28 Application Procedure... 33... 39 Artisan Rating Factor...... 50 Auto Loan/Lease Coverage... 25... 36 Campers (See

More information

Personal Auto Supplement. Supplement To The Personal Auto Program. Program Eligibility. Revised May, 2006 Unigard Insurance Company 1

Personal Auto Supplement. Supplement To The Personal Auto Program. Program Eligibility. Revised May, 2006 Unigard Insurance Company 1 Personal Auto Supplement California Supplement To The Personal Auto Program Program Eligibility All portions of the California ValuePlus Auto Product Guide and Premium Determination Section apply to the

More information

Allstate Indemnity Company Important Notice

Allstate Indemnity Company Important Notice Allstate Indemnity Company Important Notice Special Notice to Minnesota Auto Insureds The following surcharge information effective as of 8/2/2010 is provided to help you better understand your auto insurance

More information

PERSONAL AUTO MANUAL

PERSONAL AUTO MANUAL PERSONAL AUTO MANUAL TABLE OF CONTENTS ITEM RULE # PA PAGE Antique Autos... 18... 24-25 Application Procedure... 33... 35 Artisan Rating Factor...... 45 Auto Loan/Lease Coverage... 25... 33 Campers (See

More information

ABCD F I N A N C I A L

ABCD F I N A N C I A L Surcharge Disclosure Statement ABCD F I N A N C I A L COUNTRY Casualty Insurance CompanyA P.O. Box 64035 St. Paul, MN 55164-0035 Your policy is rated using past experience (accidents and convictions) as

More information

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org

AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE. www.afi.org AUTO INSURANCE OUR MISSION IS YOU. AUTOMOBILE INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to

More information

Educational Guide to Automobile Insurance

Educational Guide to Automobile Insurance Educational Guide to Automobile Insurance Who needs auto insurance? Suppose you have an auto accident and you hurt or kill someone, damage someone else s property or damage your own car. If you are found

More information

ABCD F I N A N C I A L

ABCD F I N A N C I A L Surcharge Disclosure Statement ABCD F I N A N C I A L COUNTRY Preferred Insurance CompanyA P.O. Box 64035 St. Paul, MN 55164-0035 Your policy is rated using past experience (accidents and convictions)

More information

AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED?

AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? HM 680 April 1991 $ $$ Southern Selection AUTOMOBILE INSURANCE HOW MUCH COVERAGE DO I NEED? You may not realize how much you rely on your car until something happens and you are unable to use it. You cannot

More information

PENNSYLVANIA PRIVATE PASSENGER AUTO RULE MANUAL

PENNSYLVANIA PRIVATE PASSENGER AUTO RULE MANUAL AMERICAN INDEPENDENT INSURANCE COMPANY SUITE 300, 1000 RIVER ROAD, CONSHOHOCKEN, PA 19428 (610) 832-4940 FAX (877) 791-2442 PENNSYLVANIA PRIVATE PASSENGER AUTO RULE MANUAL RULE 1: DEFINITIONS... 3 RULE

More information

APPENDIX #1. Example 1-B Driver:Use same criteria as 1-A, except one at-fault accident.

APPENDIX #1. Example 1-B Driver:Use same criteria as 1-A, except one at-fault accident. APPENDIX #1 Example 1-A Driver:18 year old, youthful male, unmarried Principal Operator Driver Training, No Good Student Discount No Accidents within the past 3 years No Motor Vehicle Violations within

More information

What is a definition of insurance?

What is a definition of insurance? What is a definition of insurance? A system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for a specific loss. Every

More information

Harco National Insurance Company

Harco National Insurance Company P.O. Box 5185, Fullerton, CA 92838-5185 (714) 738-1383 (213) 383-5590 * Fax (714) 738-1806 or (714) 992-2094 RMISmga.com Harco National Insurance Company Private Passenger Auto Program - General Rules

More information

New Jersey Pre Signature Series to Signature Series Changes

New Jersey Pre Signature Series to Signature Series Changes Pre Signature Series Signature Series Key Differences AAA Loyal Member AAA Membership This discount is calculated based on the membership tenure of the policyholder provided they are an active member of

More information

POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011

POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011 POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011 INTRODUCTION: Rollins College has many faculty, staff and students whose responsibilities

More information

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field.

2) If using the Manual Entry Fields you must enter the original cost of the vehicle in the OCN (Original Cost New) field. PAGE - VEHICLES 7 8 9 0 ) Select the Year, Make and Model of your vehicle. If not listed, enter the Make, Model and Body type (i.e. car, truck, SUV, etc.) into the Manual Entry Fields. ) If using the Manual

More information

HOUSE DOCKET, NO. 2366 FILED ON: 1/20/2011. HOUSE... No. 2035. The Commonwealth of Massachusetts PRESENTED BY: Garrett J. Bradley

HOUSE DOCKET, NO. 2366 FILED ON: 1/20/2011. HOUSE... No. 2035. The Commonwealth of Massachusetts PRESENTED BY: Garrett J. Bradley HOUSE DOCKET, NO. 2366 FILED ON: 1/20/2011 HOUSE............... No. 2035 The Commonwealth of Massachusetts PRESENTED BY: Garrett J. Bradley To the Honorable Senate and House of Representatives of the Commonwealth

More information

Arkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner

Arkansas. Insurance Department AUTOMOBILE INSURANCE. Mike Beebe Governor. Jay Bradford Commissioner Arkansas Insurance Department AUTOMOBILE INSURANCE Mike Beebe Governor Jay Bradford Commissioner A Message From The Commissioner The Arkansas Insurance Department takes very seriously its mission of consumer

More information

A Consumer s Guide to Personal Auto Insurance

A Consumer s Guide to Personal Auto Insurance Maine Bureau of Insurance 34 State House Station Augusta, ME 04333-0034 A Consumer s Guide to Personal Auto Insurance A Publication of the Maine Bureau of Insurance June 2015 Paul R. LePage Governor Eric

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

COMMERCIAL AUTO PROGRAM

COMMERCIAL AUTO PROGRAM COMMERCIAL AUTO PROGRAM Mt. Morris intent is to write Commercial package policies (Property, Liability, and Auto). There may be cases when only the auto(s) will qualify. Contact the Company to discuss

More information

AUTO INSURANCE: A CONSUMER GUIDE FOR TEEN & YOUNG ADULT DRIVERS

AUTO INSURANCE: A CONSUMER GUIDE FOR TEEN & YOUNG ADULT DRIVERS MARTIN O MALLEY Governor ANTHONY G. BROWN Lt. Governor PEGGY J. WATSON Interim Commissioner JAMES V. MCMAHAN, III Deputy Commissioner 525 St. Paul Place, Baltimore, Maryland 21202-2272 1-800-492-6116 TTY:

More information

TEXAS PERSONAL AUTO MANUAL

TEXAS PERSONAL AUTO MANUAL TEXAS PERSONAL AUTO MANUAL CORNERSTONE NATIONAL INSURANCE COMPANY Texas Automobile Program General Provisions Page Section I: General Guidelines and Rules 1-14 Section II: Rates and Procedures 15-56 Personal

More information

AUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089

AUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089 A RATE COMPARISON GUIDE 2015 RATES AUTO INSURANCE COMPILED BY DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, 68501-2089 402-471-2201 TOLL-FREE: 1-877-564-7323 TDD: 1-800-833-7352

More information

Massachusetts Private Passenger Automobile Statistical Plan Part VI - Coding Section

Massachusetts Private Passenger Automobile Statistical Plan Part VI - Coding Section STATISTICAL CLASS CODE ASSIGNMENT Statistical Class assignments should be based on the characteristics of the individual used to rate the vehicle. For single vehicle policies, the statistical class must

More information

CALIFORNIA. Collector Vehicle Program. AFH Insurance Company (070) New & Renewal Business 06-19-2014

CALIFORNIA. Collector Vehicle Program. AFH Insurance Company (070) New & Renewal Business 06-19-2014 CALIFORNIA Collector Vehicle Program AFH Insurance Company (070) New & Renewal Business 06-19-2014 American Modern Insurance Group writes Collector Vehicle business through these companies: American Modern

More information

General Insurance Definitions:

General Insurance Definitions: General Insurance Definitions: Accidental Death Coverage Accidental death coverage is sometimes a part of your auto insurance policy's Personal Injury Protection (PIP) or may be offered as a separate Accidental

More information

Arkansas. Arkansas. Insurance Department. Insurance Department AUTOMOBILE INSURANCE. For more information contact: Allen Kerr Commissioner

Arkansas. Arkansas. Insurance Department. Insurance Department AUTOMOBILE INSURANCE. For more information contact: Allen Kerr Commissioner For more information contact: Arkansas Insurance Department Arkansas Insurance Department AUTOMOBILE INSURANCE Asa Hutchinson Governor Allen Kerr Commissioner Consumer Services Division 1200 W. Third Street,

More information

NAIC Consumer Shopping Tool for Auto Insurance

NAIC Consumer Shopping Tool for Auto Insurance NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best

More information

CONSUMER S GUIDE TO AUTO INSURANCE

CONSUMER S GUIDE TO AUTO INSURANCE CONSUMER S GUIDE TO AUTO INSURANCE The Colorado Division of Insurance prepares this booklet to assist you in shopping for auto insurance and to help you understand your Personal Auto Policy. When shopping

More information

Automobile Insurance 1

Automobile Insurance 1 FCS7020 Automobile Insurance 1 Nayda I. Torres and Josephine Turner 2 An automobile is often the most expensive property that people own, next to a home. As a result, protection against loss of an automobile

More information

FLORIDA AUTOMOBILE JOINT UNDERWRITING ASSOCIATION (FAJUA)

FLORIDA AUTOMOBILE JOINT UNDERWRITING ASSOCIATION (FAJUA) FLORIDA AUTOMOBILE JOINT UNDERWRITING ASSOCIATION (FAJUA) SERVICED BY: DOVETAIL INSURANCE APPLICATION APPLIES TO: PERSONAL AUTO NAMED NON OWNER MOTOR HOME MOTORCYCLE POLICY Autos with a Manufacturers Suggested

More information

insurance auto insurance

insurance auto insurance insurance auto insurance our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant

More information

Auto Insurance for New Mexico s Young Drivers

Auto Insurance for New Mexico s Young Drivers Auto Insurance for New Mexico s Young Drivers Prepared for New Mexico s Young Drivers and Their Parents by: One of the major events in many people s lives is earning the privilege of driving a motor vehicle.

More information

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money 1 CHOOSING YOUR A helpful guide when selecting automobile insurance, including local rates and common questions. Factors that Affect Premiums: Insurance companies use a variety of factors to determine

More information

TEXAS PERSONAL AUTO MANUAL

TEXAS PERSONAL AUTO MANUAL TEXAS PERSONAL AUTO MANUAL CORNERSTONE NATIONAL INSURANCE COMPANY Texas Automobile Program General Provisions Page Section I: General Guidelines and Rules 1-14 Section II: Rates and Procedures 15-56 Personal

More information

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example

Coverage for Other People Using Your Car. Today s Lecture State Farm Car Policy. Other People s Use of Your Car - Example Today s Lecture State Farm Car Policy Other people using your car Your using other cars Other people using other cars Coverage for Other People Using Your Car Anybody using your car with permission is

More information

Auto Insurance Sample Premium Tables 2014/15

Auto Insurance Sample Premium Tables 2014/15 Auto Insurance Sample Premium Tables 2014/15 Prepared by Commonwealth of State Corporation Commission Bureau of Insurance P.O. Box 1157 Richmond, 23218 (804) 371-9185 (877) 310-6560 Website: www.scc.virginia.gov/boi

More information

RULE 19. DISCOUNTS and CREDITS

RULE 19. DISCOUNTS and CREDITS RULE 19. DISCOUNTS and CREDITS A. Multi-Car Private Passenger Automobile An individual or lawfully married individuals residing in the same household, who own(s) two or more automobiles and purchases coverage

More information

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money

CHOOSING YOUR AUTOMOBILE INSURANCE POLICY. Ways to Save Money 1 CHOOSING YOUR A helpful guide when selecting automobile insurance, including local rates and common questions. Factors that Affect Premiums: Insurance companies use a variety of factors to determine

More information

Frequently Asked Questions Auto Insurance

Frequently Asked Questions Auto Insurance STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law

More information

RULE 19. DISCOUNTS and CREDITS

RULE 19. DISCOUNTS and CREDITS RULE 19. DISCOUNTS and CREDITS A. Multi-Car Private Passenger Automobile An individual or lawfully married individuals residing in the same household, who own(s) two or more automobiles and purchases coverage

More information

for teen & Young adult drivers

for teen & Young adult drivers A Consumer Guide to auto INSURANCE for teen & Young adult drivers INSURANCE ADMINISTRATION Table of Contents Who We Are...1 Introduction...1 Required Auto Insurance Coverage...2 Other Coverage Options...5

More information

A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos, if:

A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos, if: UNDERWRITING Definition Of Private Passenger Auto A. A private passenger auto is a motor vehicle: 1. not used as a public or livery conveyance for passengers, and 2. not rented to others, and 3. that,

More information

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help

Auto Insurance? Why do I need automobile insurance? Questions piling up on. What does my auto policy cover? Here's help Questions piling up on Auto Insurance? Why do I need automobile insurance? First, it s the law. Illinois law requires all motor vehicle owners to have certain auto insurance coverages. There may be others

More information

AMERICAN SOUTHERN HOME INSURANCE COMPANY (080) FLORIDA MOTOR HOME APPLICATION

AMERICAN SOUTHERN HOME INSURANCE COMPANY (080) FLORIDA MOTOR HOME APPLICATION AMERICAN SOUTHERN HOME INSURANCE COMPANY (080) FLORIDA MOTOR HOME APPLICATION DRIVER INFORMATION Quote/Binder # Policy Number Renewal of Policy # SUBPRODUCER CODE AGENCY CODE 0 3 2 6 8 5 SUBPRODUCER: AGENCY

More information

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide

Auto Insurance. Consumer Decision Making Contest. 2001-2002 Study Guide Consumer Decision Making Contest 2001-2002 Study Guide Auto Insurance (Editor s Note: The terms, auto insurance and car will be used throughout the guide and apply to all types of motor vehicles: cars,

More information

COMPANY VEHICLE POLICY

COMPANY VEHICLE POLICY COMPANY VEHICLE POLICY Overview As an authorized driver of a company vehicle, you have been given certain privileges. You assume the duty of obeying all motor vehicle laws, maintaining the vehicle properly

More information

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper

FIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies

More information

This Program Manual Contains Information for: Maryland Discounts Maryland Coverages Maryland Miscellaneous Information Maryland Forms Listing

This Program Manual Contains Information for: Maryland Discounts Maryland Coverages Maryland Miscellaneous Information Maryland Forms Listing American Modern Home Insurance Company Maryland Collector Vehicle Program Manual (077) New & Renewal Business 04-01-12 This Program Manual Contains Information for: Maryland Discounts Maryland Coverages

More information

All About Auto Insurance

All About Auto Insurance All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can

More information

CHOICES: Insurance Rate Comparison Search Systems. Auto Insurance. Instructions/User Guide

CHOICES: Insurance Rate Comparison Search Systems. Auto Insurance. Instructions/User Guide CHOICES: Insurance Rate Comparison Search Systems Auto Insurance Instructions/User Guide April 2014 Table of Contents Step 1 Select an Example... 3 Step 2 Select by County or Company... 4 By County...

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services

More information

DIVISION OF INSURANCE

DIVISION OF INSURANCE Alaska Consumer Guide to Auto Insurance State of Alaska Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE About the Alaska Division of Insurance The Alaska Division of Insurance

More information

NOTICE OF NONRENEWAL FOR COLLISION AND COMPREHENSIVE COVERAGE

NOTICE OF NONRENEWAL FOR COLLISION AND COMPREHENSIVE COVERAGE NOTICE OF NONRENEWAL FOR COLLISION AND COMPREHENSIVE COVERAGE POLICY NUMBER: DATE OF NOTICE: Named Insured Insured's Address POLICY EXPIRATION DATE at 12:01 AM: This is a notice that your collision and

More information

A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner

A Consumer s Guide to: Auto Insurance. Choosing and using your auto insurance coverage. Washington State Office of the Insurance Commissioner A Consumer s Guide to: Auto Insurance Choosing and using your auto insurance coverage Washington State Office of the Insurance Commissioner Washington State www.insurance.wa.gov Office of the Insurance

More information

You Deserve It! Auto insurance discounts from MetLife Auto & Home

You Deserve It! Auto insurance discounts from MetLife Auto & Home You Deserve It! Auto insurance discounts from MetLife Auto & Home You re already protected by some of the most valuable auto coverages available today like replacement cost for total losses and claim-free

More information

NEW HAMPSHIRE PERSONAL AUTO APPLICATION

NEW HAMPSHIRE PERSONAL AUTO APPLICATION AGENCY NEW HAMPSHIRE PERSONAL AUTO APPLICATION APPLICANT'S NAME AND MAILING ADDRESS (Include county & ZIP+4) TELEPHONE NUMBER (MMDDYYYY) CONTACT NAME: PHONE (AC, No, Ext): FAX (AC, No): E-MAIL ADDRESS:

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

New York State Department of Financial Services

New York State Department of Financial Services New York State Department of Financial Services Home Regulation 68 index page In order to assist you in viewing Regulation 68 in its most current form, this webpage has incorporated the text of the 1st

More information

FREMONT INSURANCE COMPANY

FREMONT INSURANCE COMPANY INDEX Page No. 7 Accident, Violation and/or Comprehensive Free Discount 17 Additional Insured 18 Antique Auto A-Rates-5 Auto Miscellaneous (Pick-up Campers, Camping & Travel Trailers), Rates for 2, 3,

More information

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department

A Shopping Tool for. Automobile Insurance. Mississippi Insurance Department A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance

More information

Companion Property & Casualty Insurance Company

Companion Property & Casualty Insurance Company P.O. Box 5185 * Fullerton, Ca., 92838-5185 (714) 738-1383 (213) 383-5590 * Fax (714) 738-1806 or (714) 992-2094 www.rmismga.com Companion Property & Casualty Insurance Company Auto Liability and Physical

More information

Associate Vice President of Public Safety & Administrative Services

Associate Vice President of Public Safety & Administrative Services Policy Title: Vehicle Use Policy Policy No.: 5810 Effective Date: June 1 2013 Responsible Office: Responsible Official: Department of Public Safety Associate Vice President of Public Safety & Administrative

More information

COMMERCIAL AUTO TABLE OF CONTENTS

COMMERCIAL AUTO TABLE OF CONTENTS COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 14 Auto

More information

Your Guide to Auto Insurance Premiums

Your Guide to Auto Insurance Premiums INSURANCE FACTS for Pennsylvania Consumers Your Guide to Auto Insurance Premiums 1-877-881-6388 Toll-free Automated Consumer Line www.insurance.state.pa.us Pennsylvnaia Insurance Department Website Required

More information

NATIONAL CONFERENCE OF INSURANCE LEGISLATORS (NCOIL)

NATIONAL CONFERENCE OF INSURANCE LEGISLATORS (NCOIL) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 NATIONAL CONFERENCE OF INSURANCE LEGISLATORS (NCOIL) Proposed Model Act to Regulate

More information

Automobile Insurance Guide

Automobile Insurance Guide Automobile Insurance Guide Page 1 Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies

More information

Liability and Physical Damage may be written independently or as a full coverage policy.

Liability and Physical Damage may be written independently or as a full coverage policy. RMIS Robert Moreno Insurance Services P.O. Box 5185 * Fullerton, Ca., 92838-5185 * (714) 738-1383 (213) 383-5590 * Fax (714) 738-1806 or (714) 992-2094 www.rmismga.com Insurance Company of the West Non-Standard

More information

State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903

State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 233 Richmond Street Providence, RI 02903 INSURANCE REGULATION 16 AUTOMOBILE INSURANCE POLICIES:

More information

California Select Program TABLE OF CONTENTS. 1. Binding Authority...1-S

California Select Program TABLE OF CONTENTS. 1. Binding Authority...1-S TABLE OF CONTENTS 1. Binding Authority...1-S 2. Policy and Coverages...2-S A. Policy Term...2-S B. Policy Territory...2-S C. Policy Coverages, Limits and Deductibles...2-S D. Special Coverages...3-S E.

More information

a consumers guide to No-Fault Automobile Insurance in Michigan

a consumers guide to No-Fault Automobile Insurance in Michigan a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured

More information

Points, Suspension and Insurance Requirements

Points, Suspension and Insurance Requirements CHAPTER THREE Points, Suspension and Insurance Requirements The Point Study Committee assesses a point value for traffic violations. The point value relates to the severity and history of the violation

More information

License # 15714020. Filing Type. Conviction Date. Vehicle Identification Number (VIN) Body Type. Interest Type Name / Address

License # 15714020. Filing Type. Conviction Date. Vehicle Identification Number (VIN) Body Type. Interest Type Name / Address Old American County Mutual Fire Insurance Company P.O. Box 9030 Addison T 7500-9030 T Auto Insurance Application Policy : 000582960000 Named Insured: Jimmie Matthews Today's Date: 2/4/20 Effective Date/Time:

More information

WASHINGTON PERSONAL AUTO APPLICATION

WASHINGTON PERSONAL AUTO APPLICATION AGENCY WASHINGTON PERSONAL AUTO APPLICATION APPLICANT'S NAME AND MAILING ADDRESS (Include county & ZIP+4) TELEPHONE NUMBER (MM/DD/YYYY) CONTACT NAME: PHONE (A/C, No, Ext): FAX (A/C, No): E-MAIL ADDRESS:

More information

LifeWays Operating Procedures

LifeWays Operating Procedures 9-01.13. STAFF MOTOR VEHICLE USE PURPOSE: The purpose of this policy is to comply with insurance requirements for LifeWays positions that require an employee to drive a vehicle as an essential function

More information

AMENDMENT OF POLICY PROVISIONS DEFINITIONS

AMENDMENT OF POLICY PROVISIONS DEFINITIONS AMENDMENT OF POLICY PROVISIONS This Amendment forms a part of the auto policy to which it is attached, and it modifies that policy as follows: DEFINITIONS Definition I., temporary substitute vehicle, is

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

211 CMR 134.00: SAFE DRIVER INSURANCE PLAN. Section

211 CMR 134.00: SAFE DRIVER INSURANCE PLAN. Section 1 211 CMR 134.00: SAFE DRIVER INSURANCE PLAN Section 134.01: Authority 134.02: Purpose, Scope and Responsibility 134.03: Definitions 134.04: Relevant Vehicles, Policies, Accidents, Traffic Law Violations

More information

A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION

A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION TABLE OF CONTENTS Introduction...1 How to Shop for Auto Insurance....1 What Factors Impact Rates?...6 What Discounts are Available?....8 Basic

More information

MANAGED COMPETITION NEW BUSINESS PROCESSING

MANAGED COMPETITION NEW BUSINESS PROCESSING MANAGED COMPETITION NGM Insurance Company utilizes the Automobile Insurers Bureau of Massachusetts (AIB) advisory rule manual effective April 1, 2009 as its base manual. NGM files company specific rates

More information

PROPOSED DRAFT AS OF 2/15/11

PROPOSED DRAFT AS OF 2/15/11 PROPOSED DRAFT AS OF 2/15/11 NEW YORK STATE INSURANCE DEPARTMENT REGULATION NO. 68 (11 NYCRR 65) REGULATIONS IMPLEMENTING THE COMPREHENSIVE MOTOR VEHICLE INSURANCE REPARATIONS ACT Subpart 65-0 Subpart

More information

California. Private Passenger Automobile. Underwriting Guidelines

California. Private Passenger Automobile. Underwriting Guidelines California Private Passenger Automobile Stonewood Insurance Services, Inc. P.O. Box 2528 Rancho Cordova, CA 95741-2528 800-396-1485 www.stonewoodinsurance.com License No. OE52060 1 CONTENTS 2 BINDING COVERAGE

More information

COMMERCIAL AUTO TABLE OF CONTENTS

COMMERCIAL AUTO TABLE OF CONTENTS COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 15 Auto

More information

A Consumer Guide to. auto INSURANCE ADMINISTRATION

A Consumer Guide to. auto INSURANCE ADMINISTRATION A Consumer Guide to auto INSURANCE INSURANCE ADMINISTRATION Table of Contents Introduction...1 How to Shop for Auto Insurance....1 What Factors Impact Rates?...6 What Discounts are Available?....8 Basic

More information

TABLE OF CONTENTS. Binding Authority...3

TABLE OF CONTENTS. Binding Authority...3 TABLE OF CONTENTS Binding Authority...3 Policy and Coverages...4 A. Policy Term...4 B. Policy Territory...4 C. Policy Coverages, Limits and Deductibles...4 D. Special Coverages...5 i. Named Non-Owner...5

More information

Title 24-A: MAINE INSURANCE CODE

Title 24-A: MAINE INSURANCE CODE Title 24-A: MAINE INSURANCE CODE Chapter 39: CASUALTY INSURANCE CONTRACTS Table of Contents Subchapter 1. GENERAL PROVISIONS... 3 Section 2901. CONTRACTS SUBJECT TO GENERAL PROVISIONS... 3 Section 2902.

More information

ABC Corporate Vehicle Policy

ABC Corporate Vehicle Policy ABC Corporate Vehicle Policy All recipients of a company car are required to follow the fleet guidelines regarding its maintenance and participate in web-based driver training or behind the wheel driver

More information

Georgia (070) Leisure Guard Motor Home & Holiday Traveler Travel Trailer Guidelines. New & Renewal Business 07-15-06

Georgia (070) Leisure Guard Motor Home & Holiday Traveler Travel Trailer Guidelines. New & Renewal Business 07-15-06 American Family Home Insurance Company (070) New & Renewal Business 07-15-06 JOHNSON & JOHNSON, INC. P.O. Box 899 Charleston, SC 29402 Phone: (800) 487-7565 (843) 577-0800 Fax: (843) 724-7078 Leisure Guard

More information

Automobile Insurers Bureau

Automobile Insurers Bureau Automobile Insurers Bureau Massachusetts Automobile Policy Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased.

More information

Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide

Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide and answers about Automobile Insurance in Pennsylvania a supplement to the Automobile Insurance Guide My automobile policy was canceled because I did not pay my premium on time. Is this legal? Yes. If

More information

This Program Manual Contains Information for: Tennessee Discounts Tennessee Coverages Tennessee Miscellaneous Information Tennessee Forms Listing

This Program Manual Contains Information for: Tennessee Discounts Tennessee Coverages Tennessee Miscellaneous Information Tennessee Forms Listing American Modern Home Insurance Company Tennessee Collector Vehicle Program Manual (077) New & Renewal Business 04-01-12 This Program Manual Contains Information for: Tennessee Discounts Tennessee Coverages

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information