NORTH STAR MUTUAL. Minnesota Agent Bulletin

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "NORTH STAR MUTUAL. Minnesota Agent Bulletin"

Transcription

1 Minnesota Agent Bulletin June 23, 2006 Enclosed are new manual pages reflecting the changes made to the North Star Personal Auto program. The changes involve some base rate reductions for male drivers age 21-27, changes to the Good Student Discount program and adding a limited amount of Customization coverage to the Personal Auto policy. The Accident Surcharge threshold has been increased from Semi trucks are now eligible to be rated in the same program as the private passenger autos in most situations and a territorial realignment has also been done to the Metro area territories. These changes should make North Star more attractive and more competitive in these areas. The new manual pages for the General Rules section and Supplemental Rate pages for the new territories are included in this mailing. Please review the rule changes below. PA-4 RULE 3 Classification Definitions An additional definition has been added to clarify the rating of an insured that owns more than one vehicle and carries the youthful driving class. They will be rated with the youthful class on the highest rated vehicle and the all other class on the secondary vehicle whether principally operated or not. PA-7 RULE 5 Discounts Added a statement requiring that $15,000 worth of coverage is required on the HO-4 in order to qualify for the Companion Policy Discount. PA-9 RULE 5 Discounts This change allows for the Good Student Discount to remain in effect after the person has graduated from Vocational School, Technical College or a University as long as they were eligible for the discount after their last semester. PA-9 RULE 6 Safe Driver Insurance Plan The threshold for the dollar amount to charge for an at-fault accident has changed from PA-25 RULE 21 Customizing Equipment Coverage $1,000 worth of customizing is now included in the policy, higher amounts of PA-30 RULE 24 Trailers A slight increase in rates as well as offering $1,000 deductible for OTC. PA-31 RULE 28 Policy Period and Continuation Forms will only be sent out when a new policy is issued or when forms are changed PA-35 RULE 39 Eligibility Vehicles driven over 40 miles to work or school are no longer ineligible. Item 9 changed to read that PA-37 & 38 RULE 41 Undesirable and Prohibited Vehicles Multi car discount will now apply. Jeep CJ 5,6,7, Scrambler & Wrangler - over -

2 PA-39 RULE 42 Multiple Rating Discounts Additions to the description of eligibility for the Five-Star program. PA-41 & 42 Rating Factors Factors for Youthful unmarried single males age have been reduced. Factors for Married males PA-43 Premium Determination Semi trucks do not have to be rated in the Select Program, they are eligible for the same class as Private Passenger vehicles as long as no hauling Beets or Potatoes or driven more than 2000 miles annually. T-1 through T-7 Three new territories have been added. Rate pages for those territories and descriptions are included. RATE PAGES: Five Star: Contents - PAR- 1, PAR-12 - PAR-13, Supp-1 - Supp-2, Supp-3 Preferred: Contents - PAR-21, PAR-32 - PAR-33, Supp-4 - Supp-5, Supp-6 Select: Contents - PAR-41, PAR-52 - PAR-53, Supp-7 - Supp-8, Supp-9 These changes will affect a broad range of new and existing policyholders. North Star continues to work at making changes that will help agents retain existing business as well as write new business as the Auto Insurance market remains highly Please continue to look to North Star when quoting new Personal Auto business and call on the underwriters if there are situations that need extra attention.

3 Nebraska Agent Bulletin June 21, 2006 PA-8 RULE 5 Discounts This change allows for the Good Student Discount to remain in effect after the person has graduated from PA-9 RULE 6 Safe Driver Insurance Plan The threshold for the dollar amount to charge for an at-fault accident has changed from PA-24 RULE 21 Customizing Equipment Coverage - $1,000 worth of customizing is now included in the policy, higher amounts of PA-28 RULE 24 Trailers A slight increase in rates as well as offering $1,000 deductible for OTC. PA-29 RULE 28 Policy Period and Continuation Forms will only be sent out when a new policy is issued or when forms are changed PA-33 RULE 39 Eligibility Vehicles driven over 40 miles to work or school are no longer ineligible. Item 9 changed to read that PA-35 & 36 RULE 41 Undesirable and Prohibited Vehicles Multi car discount will now apply. Jeep CJ 5,6,7, Scrambler & Wrangler PA-39 & 40 Rating Factors Factors for Youthful unmarried single males age have been reduced. Factors for Married males PA-41 Premium Determination Semi trucks do not have to be rated in the Select Program, they are eligible for the same class as These changes will affect a broad range of new and existing policyholders. North Star continues to work at making changes that will help agents retain existing business as well as write new business as the Auto Insurance market remains highly Please continue to look to North Star when quoting new Personal Auto business and call on the underwriters if there are situations that need consideration.

4 North Dakota Agent Bulletin PA-9 RULE 5 Discounts This change allows for the Good Student Discount to remain in effect after the person has graduated from PA-9 RULE 6 Safe Driver Insurance Plan The threshold for the dollar amount to charge for an at-fault accident has changed from PA-24 RULE 21 Customizing Equipment Coverage $1,000 worth of customizing is now included in the policy, higher amounts of PA-29 RULE 24 Trailers A slight increase in rates as well as offering $1,000 deductible for OTC. PA-30 RULE 28 Policy Period and Continuation Forms will only be sent out when a new policy is issued or when forms are changed PA-34 RULE 39 Eligibility Vehicles driven over 40 miles to work or school are no longer ineligible. Item 9 changed to read that PA-36 & 37 RULE 41 Undesirable and Prohibited Vehicles Multi car discount will now apply. Jeep CJ 5,6,7, Scrambler & Wrangler PA-40 & 41 Rating Factors Factors for Youthful unmarried single males age have been reduced. Factors for Married males PA-42 Premium Determination Semi trucks do not have to be rated in the Select Program, they are eligible for the same class as These changes will affect a broad range of new and existing policyholders. North Star continues to work at making changes that will help agents retain existing business as well as write new business as the Auto Insurance market remains highly Please continue to look to North Star when quoting new Personal Auto business and call on the underwriters if there are situations that need consideration.

5 South Dakota Agent Bulletin June 21, 2006 PA-9 RULE 5 Discounts This change allows for the Good Student Discount to remain in effect after the person has graduated from PA-9 RULE 6 Safe Driver Insurance Plan The threshold for the dollar amount to charge for an at-fault accident has changed from PA-23 RULE 21 Customizing Equipment Coverage $1,000 worth of customizing is now included in the policy, higher amounts of PA-27 RULE 24 Trailers A slight increase in rates as well as offering $1,000 deductible for OTC. PA-28 RULE 28 Policy Period and Continuation Forms will only be sent out when a new policy is issued or when forms are changed PA-32 RULE 39 Eligibility Vehicles driven over 40 miles to work or school are no longer ineligible. Item 9 changed to read that PA-34 & 35 RULE 41 Undesirable and Prohibited vehicles Multi car discount will now apply. Jeep CJ 5,6,7, Scrambler & Wrangler PA-38 & 39 Rating Factors Factors for Youthful unmarried single males age have been reduced. Factors for Married males PA-40 Premium Determination Semi trucks do not have to be rated in the Select Program, they are eligible for the same class as These changes will affect a broad range of new and existing policyholders. North Star continues to work at making changes that will help agents retain existing business as well as write new business as the Auto Insurance market remains highly Please continue to look to North Star when quoting new Personal Auto business and call on the underwriters if there are situations that need consideration.

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

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

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

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

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

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

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

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

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

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

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

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 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

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

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

SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL

SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL SAFETY INSURANCE GROUP MASSACHUSETTS PERSONAL AUTO MANUAL We know it s a competitive world out there, so here are some highlights of what Safety Insurance Group could offer the insured*: DISCOUNTS: 1.

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 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

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

"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

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

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

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

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

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

How to File a Protest of an Auto Insurance Cancellation or Surcharge

How to File a Protest of an Auto Insurance Cancellation or Surcharge How to File a Protest of an Auto Insurance Cancellation or Surcharge A protest is a formal objection to a change that your insurance company has made on your personal automobile policy. Protests cannot

More information

CHAPTER 28 Insurance

CHAPTER 28 Insurance CHAPTER 28 Insurance Chapter Objectives After studying this chapter, you will be able to describe types of automobile insurance coverage. explain the importance of health insurance as a fringe benefit

More information

COVERAGES & ENDORSEMENTS

COVERAGES & ENDORSEMENTS ACCIDENTAL DEATH OR DISMEMBERMENT Endorsement PPT100 applies to Personal Autos. This optional endorsement provides coverage for your death, dismemberment or loss of sight. If within ninety (90) days from

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

MAPFRE INSURANCE COMPANY PERSONAL UMBRELLA RATE/RULE MANUAL

MAPFRE INSURANCE COMPANY PERSONAL UMBRELLA RATE/RULE MANUAL MAPFRE INSURANCE COMPANY PERSONAL UMBRELLA RATE/RULE MANUAL Final Version February, 2012 Edition MAPFRE Insurance Co. Page 1 of 6 Table of Contents UNACCEPTABLE RISKS... 2 UNDERWRITING GUIDELINES... 3

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

COVERAGES AND ENDORSEMENTS

COVERAGES AND ENDORSEMENTS 1 DESCRIPTION OF PERSONAL AUTO COVERAGE The following is a general description of the coverages provided by the Personal Auto coverage form. The policy deductible applies to coverages and endorsements

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

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle.

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle. Consumer Math Notes 9.1-2 Name Hour Purchasing a New Vehicle/ Dealer s Cost A vehicle s shows all charges for the vehicle. = the price of he vehicle s engine, chassis and any other standard equipment for

More information

Auto Insurance Buyers Guide

Auto Insurance Buyers Guide Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop

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

2013 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables

2013 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables State of Utah Insurance Department Todd E. Kiser Commissioner 2013 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides

More information

Merchants Insurance Group New Hampshire Personal Lines Agents

Merchants Insurance Group New Hampshire Personal Lines Agents March 16, 2011 BULLETIN NO. 5149-NH TO: SUBJECT: Merchants Insurance Group New Hampshire Personal Lines Agents Introduction of Merchants Flexible Choice Auto sm Great News for Our Personal Lines Agents!

More information

SASKATCHEWAN PRESTIGE AUTO INSURANCE

SASKATCHEWAN PRESTIGE AUTO INSURANCE Licence Plate Insurance... 2 Why Plate Insurance Isn t Enough... 3 Added Liability Protection... 4 Family Protection Coverage... 4 Vehicle Damage Deductible... 5 Accident Benefits... 5 Non-Owned Driver

More information

INSURANCE BASICS (DON T RISK IT)

INSURANCE BASICS (DON T RISK IT) INSURANCE BASICS (DON T RISK IT) WHAT IS INSURANCE? Risk management tool that limits financial loss due to illness, injury or damage in exchange for a premium Shared Risk- Insurance company collects premiums

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

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10

The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem

More information

RATING INFORMATION NEW JERSEY

RATING INFORMATION NEW JERSEY PERSONAL AUTO PP 03 75 07 09 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

More information

Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41

Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41 Personal and Business Auto Table of Contents p. 1 of 5 Unit 1 - Introducing Auto Insurance pp. 7-41 Problems associated with auto accidents and insurance The large number of auto incidents High Cost of

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

Louisiana Department of Insurance. Auto Rate Comparison Guide

Louisiana Department of Insurance. Auto Rate Comparison Guide Louisiana Department of Insurance Auto Rate Comparison Guide A Message from the Louisiana Department of Insurance Welcome to the Louisiana Automobile Rate Comparison Guide. To provide you with a better

More information

COMMERCIAL UMBRELLA. 1.1 The underlying business insurance must be insured with Mt Morris.

COMMERCIAL UMBRELLA. 1.1 The underlying business insurance must be insured with Mt Morris. COMMERCIAL UMBRELLA Program Description This program contains the rules and rates governing the writing of Commercial Umbrella Liability Policies. This insurance is designed to cover the liability needs

More information

Tennessee Automobile

Tennessee Automobile Tennessee Automobile Manual of Rules Preferred Auto Insurance Company Effective I. General Rules GR-1 Binding Authority For new business, coverage may be bound at the time and date shown on the application

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

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

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

6 Things Impacting Your Car Insurance Quote

6 Things Impacting Your Car Insurance Quote 6 Things Impacting Your Car Insurance Quote (Before Adding In Your Accidents and Tickets Makes a Bigger Difference) Appearing as a blog post: http://insursmart.com/car-insurance-quote/ If you didn t already

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

2012 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables

2012 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables State of Utah Insurance Department Neal T. Gooch Commissioner 2012 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides

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

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19

Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19 Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto Insurance 5451-41922-19 Q U A L I T Y Day or night. You re covered, with AAA. Whatever you drive,

More information

CAR INSURANCE. Risk management, insurance, comparison shopping

CAR INSURANCE. Risk management, insurance, comparison shopping Grades 9-12 Lesson 8 CAR INSURANCE Key concepts: Risk management, insurance, comparison shopping Summary: This lesson introduces students to car insurance, including managing risk, understanding what factors

More information

PREPARED ON: 07/22/2011 1 MAIN STREET CHICAGO, IL, 60603

PREPARED ON: 07/22/2011 1 MAIN STREET CHICAGO, IL, 60603 PREPARED FOR: JANE DOE PREPARED ON: 07//0 MAIN STREET CHICAGO, IL, 60603 BCD 34 Risk Managers 34 Main Street Anytown, NJ 07090 agentemail@bcd34.com www.bdc34.com BCD 34 Risk Managers Chubb Personal Insurance

More information

Cheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes

Cheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes Cheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes Copyright by BizMove Publishing. All rights reserved. Table of Contents 1. How to Get Cheap Car Insurance Quotes 2. What

More information

Supplemental Application Information for MAIP Policyholders

Supplemental Application Information for MAIP Policyholders for MAIP Policyholders IMPORTANT: This is a writable PDF. Please complete it electronically. Follow these steps: 1. Save a copy of this PDF to your computer with the file name of your choice (e.g., JDoeSuppMAIPapp.pdf);

More information

AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS

AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS AUTO INSURANCE CLAIMS & CLAIMANTS RIGHTS NUTS & BOLTS You ve had an accident. Your vehicle is damaged. Now you are counting on insurance to help pay for the repairs... This brochure answers the most common

More information

PERSONAL AUTO. Target Market Age 30 69 Insurance score of 700 or higher. Deductibles of 100/500

PERSONAL AUTO. Target Market Age 30 69 Insurance score of 700 or higher. Deductibles of 100/500 Target Market Age 30 69 Insurance score of 700 or higher Multi Policy 20% discount Multi Car 20% discount Full/Term Pay 10% discount Claims Free 3% discount Accident Free 3% discount Violation Free 3%

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

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

AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD

AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD PROTECTION WHILE YOU ARE ON THE ROAD TO YOUR DREAMS LIABILITY COVERAGE What is Auto Insurance Coverage? An auto insurance policy is a package of several

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

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

SOUTH CAROLINA AUTO SUPPLEMENT

SOUTH CAROLINA AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: SOUTH CAROLINA AUTO SUPPLEMENT APPLICANT/NAMED INSURED POLICY NUMBER CARRIER NAIC CODE. OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE

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

AUTO INSURANCE CLAIMS & RIGHTS

AUTO INSURANCE CLAIMS & RIGHTS AUTO INSURANCE CLAIMS & RIGHTS You ve had an accident. Your vehicle is damaged. Now you are counting on insurance... to help pay for the repairs... This brochure answers the most common insurance-related

More information

STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007]

STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability

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

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

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. R M I S Robert Moreno Insurance Services PO Box 87023, Yorba Linda, CA, 92885 (714) 738-1383 (213) 383-5590 Fax 714.921.1106 www.rmismga.com Topa Insurance Company Auto Liability and Physical Damage Program

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

A Consumer s Guide to AUTO INSURANCE

A Consumer s Guide to AUTO INSURANCE A Consumer s Guide About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members consist of the chief insurance regulators

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

Large Fleet Trucking Program Guidelines (20+ power units)

Large Fleet Trucking Program Guidelines (20+ power units) Large Fleet Trucking Program Guidelines (20+ power units) These guidelines will assist you in qualifying, submitting and binding Large Fleet Trucking business with RLI Transportation. These guidelines

More information

Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered.

Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered. Whether you ve just bought your first car or want to reduce your existing car insurance quote, there are a few things that you'll need to know in order to get the best deal. Car insurance is a legal requirement

More information

CANAL INSURANCE COMPANY INDEMNITY COMPANY

CANAL INSURANCE COMPANY INDEMNITY COMPANY CANAL INSURANCE COMPANY INDEMNITY COMPANY GEORGIA SUPPLEMENTAL APPLICATION MUST be completed if Auto Liability Coverage is requested 1. Applicant Name 2. DBA, if any UNINSURED MOTORIST COVERAGE SELECTION/REJECTION

More information

BEFORE THE INSURANCE COMMISSIONER OF THE STATE OF CALIFORNIA

BEFORE THE INSURANCE COMMISSIONER OF THE STATE OF CALIFORNIA CALIFORNIA DEPARTMENT OF INSURANCE LEGAL DIVISION Rate Enforcement Bureau Nikki S. McKennedy, Bar No. Fremont Street st Floor San Francisco CA Telephone: -- Facsimile: -0-0 Email: Nikki.McKennedy@insurance.ca.gov

More information

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk

Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Economic Education for Consumers Chapter 14 Study Guide Automobile and Home Insurance: Sharing the Risk Section 14-1 Insurance Basics Define Risk Management. Define Shared Risk. How do insurance companies

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

Commercial Specialty Auto Guidelines

Commercial Specialty Auto Guidelines Commercial Specialty Auto Guidelines These guidelines are to assist you in qualifying, submitting, and binding Commercial Specialty Auto business with RLI Transportation. They are subject to change without

More information

Safeco Insurance Company of America Motorcycle Program Rate Manual State of Massachusetts

Safeco Insurance Company of America Motorcycle Program Rate Manual State of Massachusetts Safeco Insurance Company of America Motorcycle Program Rate Manual State of Massachusetts RATING ALGORITHM Part 1 Part 4 Part 5 Part 6 Part 5 Part 3 Part 12 Part 2 Part 8 Part 9 Part 7 Part 11 Part 10

More information

SASKATCHEWAN AUTO INSURANCE

SASKATCHEWAN AUTO INSURANCE Accident Benefits... 5 Added Liability Protection... 4 Affordable Premiums... 7 Coverage Summary Charts Commercial Vehicles... 9 Private Passenger Vehicles... 8 Family Protection Coverage... 4 Licence

More information

2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables

2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables 2015 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides general information about auto and homeowners insurance, and

More information

How to Buy Classic Car Insurance

How to Buy Classic Car Insurance How to Buy Classic Car Insurance By: Michael Modica If you are fortunate enough to own a classic car or any collectible automobile then you want to ensure that your luck does not run out because of having

More information

GOVERNMENT OF NEWFOUNDLAND AND LABRADOR. Bulletin TO ALL INSURANCE COMPANIES LICENSED FOR AUTOMOBILE INSURANCE

GOVERNMENT OF NEWFOUNDLAND AND LABRADOR. Bulletin TO ALL INSURANCE COMPANIES LICENSED FOR AUTOMOBILE INSURANCE Department of Government Services Consumer and Commercial Affairs Branch Financial Services Regulation Division GOVERNMENT OF NEWFOUNDLAND AND LABRADOR Bulletin Issue 8 - JULY 2005 TO ALL INSURANCE COMPANIES

More information

MANITOBA PRESTIGE AUTO INSURANCE

MANITOBA PRESTIGE AUTO INSURANCE Page License Plate Insurance... 2 Why Plate Insurance Isn t Enough... 2 Added Liability Protection... 3 Family Protection Coverage... 3 Vehicle Damage Deductible... 3 Seasonal Lay-Up Coverage... 3 Non-Owned

More information

A. Introduction. B. Legislation and Regulations

A. Introduction. B. Legislation and Regulations Underwriting Rules A. Introduction All insurers that are licensed to write automobile insurance in Ontario are required to make a filing in respect of their underwriting rules with the (FSCO). The Filing

More information

July 2000 WEST VIRGINIA INFORMATIONAL LETTER NO. 121

July 2000 WEST VIRGINIA INFORMATIONAL LETTER NO. 121 July 2000 WEST VIRGINIA INFORMATIONAL LETTER NO. 121 W.Va. Code 33-6-31d became effective on April 10, 1993. This statute requires that all insurers "make available" to a named insured under each policy

More information

Mass Auto Category Placement Rule

Mass Auto Category Placement Rule Mass Auto Category Placement Rule Placement Variables ƒ Prior Insurance ƒ Years with Massachusetts Homeland Insurance Company or the Prior Carrier ƒ Quote Date ƒ Lapse in Insurance Coverage in the last

More information

Service is our Hallmark.

Service is our Hallmark. Oregon New Business: 2/6/12 Renewals 123: 5/1/11 Renewals 612: 4/6/12 Personal Auto Program Hallmark 123 Hallmark 612 1, 2, 3, 6 & 12 Month Terms Service is our Hallmark. ELIGIBLE VEHICLES Private passenger

More information

CALIFORNIA AUTO UNDERWRITING AND RATING GUIDE

CALIFORNIA AUTO UNDERWRITING AND RATING GUIDE CALIFORNIA AUTO UNDERWRITING AND RATING GUIDE EFFECTIVE AUGUST 1, 2013 CONTENTS General Rules and Procedures...2 Policy Terms and Payment Plans...4 Private Passenger Underwriting...5 Rating Rules... 6

More information

Consumer s Guide 9/06

Consumer s Guide 9/06 Consumer s Guide A Consumer s Guide to AUTO INSURANCE National Association of Insurance Commissioners 1992, 2006 National Association of Insurance Commissioners All rights reserved. National Association

More information

Amended Date of New & Revised Material Updates. How To Reach Us

Amended Date of New & Revised Material Updates. How To Reach Us Oregon Washington Watercraft Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Underwriting

More information

motorcycle insurance protecting your dreams

motorcycle insurance protecting your dreams motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and

More information

Car Costs ASSESSMENT ONE: Assessment #1

Car Costs ASSESSMENT ONE: Assessment #1 Assessment #1 ASSESSMENT ONE: Knowledge ο T / F You must register your car with the Department of Motor Vehicles (DMV) once every two years. ο T / F Being able to afford a car involves more than being

More information

Hazardous Materials Haulers, Auto Liability, Physical Damage and Pollution Liability

Hazardous Materials Haulers, Auto Liability, Physical Damage and Pollution Liability Email: info@eiains.com Phone: (800) 977-3335 Mail: PO Box 23605 Portland, OR 97281 Fax: (503) 977-3334 Hazardous Materials Haulers, Auto Liability, Physical Damage and Pollution Liability GENERAL INFORMATION

More information