COVERAGES AND ENDORSEMENTS

Size: px
Start display at page:

Download "COVERAGES AND ENDORSEMENTS"

Transcription

1 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 unless otherwise noted. The policy and endorsements should be consulted for specific contract conditions. Liability Coverage - Bodily Injury & Property Damage Liability Bodily Injury coverage and Property Damage coverage will be written as combined coverage (Liability). Neither may be written separately. If Liability is written for one vehicle covered by the policy and Liability is requested on the remaining vehicles, identical limits must be written for all vehicles on the policy. Medical Payments Coverage Medical Payments coverage may not be added to a policy unless Liability coverage is also provided for an auto. If Medical Payments coverage is written for one vehicle covered by the policy, the coverage must be written with identical limits for all vehicles covered by the policy. Uninsured/Underinsured Motorists Coverage If Uninsured Motorists Bodily Injury is written for one vehicle covered by the policy, the coverage must be written for all vehicles covered by the policy. A vehicle that is temporarily withdrawn from service and written with Other than Collision coverage only is not required to have Uninsured Motorists Bodily Injury coverage. Uninsured Motorists Property Damage Uninsured Motorists Property Damage coverage may be selected for any covered vehicle insured for Uninsured/Underinsured Motorists Bodily Injury. Uninsured Motorists Property Damage coverage and Collision coverage may be written on the same vehicle if the Collision deductible is greater than $250. The Uninsured Motorists Property Damage deductible is $250. Coverage For Damage To Your Auto (Other Than Collision And Collision Coverages) Other Than Collision or Collision coverages are optional and must be selected for each auto in order for an auto to be covered. Deductibles are not required to match between autos insured for these coverages. Collision coverage will not be written without Other Than Collision coverage. D-1 (OH)

2 2 AAMVA UNIFORM FINANCIAL RESPONSIBILITY FORM Form SR-22 and SR-26 applies. A financial responsibility certificate (SR-22) is filed whenever law requires evidence of financial responsibility. If the person requiring the certificate owns no auto, the filing may be made on a policy issued to a family member provided they reside in the same household. An SR-26 will be filed when the policy cancels. The filing fee is fully earned. RENTAL REIMBURSEMENT/TRANSPORTATION EXPENSE No endorsement required. Rental Reimbursement/Transportation Expense coverage is available, for an additional premium, when an auto is insured for Liability, Other Than Collision and Collision coverages. This coverage replaces the Transportation Expense provision in the policy. Available limits are: $30 per day/$900 per occurrence; $45 per day/$1,350 per occurrence; or $60 per day/$1,800 per occurrence. The selected limit per day is subject to the per occurrence total for rental expenses resulting from Other Than Collision or Collision losses. This coverage can be selected for any vehicle on the policy. The limit selected must be the same for all vehicles. An auto temporarily withdrawn from service may be written with Other Than Collision coverage only. However, at least one vehicle on the policy must have Liability, Other Than Collision and Collision coverage. TOWING AND LABOR COSTS No endorsement required. Towing and Labor Costs coverage may be included, for an additional premium, on a personal auto or miscellaneous vehicle insured for Liability (does not have to be included for a trailer), Other Than Collision and Collision coverages. We will pay the fair cost incurred in connection with a road emergency involving the auto. (continued) D-2 (OH)

3 3 TOWING AND LABOR COSTS (continued) This includes: Mechanical labor at the place of breakdown; Towing to the nearest place where necessary repairs can be made during regular business hours if it will not run; Towing vehicle out of the way, if stuck on or immediately next to a public highway; and Delivery of gas, oil, loaned battery or change of tire. OPTIONAL ADDITIONAL INSURED Endorsement A 75 applies to Personal Auto and Miscellaneous Vehicles. The Additional Insured endorsement adds the individual or organization named in the endorsement to the definition of insured with respect to Liability coverage. ADDITIONAL INSURED LESSOR Endorsement A 32A applies to Personal Auto and Miscellaneous Vehicles. The Additional Insured Lessor endorsement adds a designated person or company, who is leasing an auto to the insured, as an additional interest. This endorsement requires that the notice of cancellation also be mailed to the lessor. The endorsement applies to autos leased for a continuous period of at least six (6) months under a written agreement. ADDITIONAL NAMED INSURED Endorsement A 76 applies to Personal Autos. The Additional Named Insured endorsement adds a named child as an additional named insured under the auto coverage. This endorsement may only be used for an operator who is a: Youthful (ages 16-21), unmarried operator; Child of the named insured (guardian) and/or spouse; Resident of the same household as the named insured (guardian) and/or spouse; and Titleholder of a covered Personal Auto. D-3 (OH)

4 4 AGREED VALUE COVERAGE Endorsement A 165 applies to Antique, Classic or Special Interest Autos. This endorsement provides that in event of a loss to your covered antique, classic or special interest auto, the limit of liability is: The amount necessary to repair or replace the auto with like kind and quality provided such amount is equal to or less than the limit of liability shown on the Declarations Page; or The Agreed Value shown on the Declarations Page. Requirements are as follows: Agreed Value must be established through a current appraisal; Antique, Classic or Special Interest Auto Supplemental Application must be completed; Other Than Collision is required on the vehicle; Vehicle must be in good condition; Vehicle must be primarily used as a hobby vehicle; Grange must have supporting Home and Auto business; Operator must be at least 30 years old and have no more than two chargeable violations; Four color photos of the vehicle (front, rear view, engine compartment, interior); and Prior underwriting approval required on any vehicle with an Agreed Value greater than $30,000. All documents must be maintained in agent s office. Any additional information (receipts, bill of sale, etc.) that may be useful in the settlement of a claim should also be kept on file. ANTIQUE, CLASSIC OR SPECIAL INTEREST RESTRICTED USE Endorsement A 164 applies to Antique, Classic or Special Interest Autos. This endorsement allows for a reduced premium if the vehicle is principally used for exhibitions, club activities, parades or other functions of public interest. The restricted use rates charged for the vehicle are lower than the unrestricted use rates. CANCELLATION PRIVILEGE Endorsement A 163 applies. The Cancellation Privilege endorsement provides a notice, to a specific party, when the policy has cancelled. It does not extend any coverage provided by the policy to that party. D-4 (OH)

5 5 COVERAGE FOR DAMAGE TO YOUR AUTO Endorsement A 160 must apply to Antique, Classic or Special Interest Autos. This endorsement adds, to the Part D Limit of Liability provision in the policy, the Stated Amount shown in the Declarations Page for the vehicle insured. The Stated Amount must be established through current appraisal or other acceptable form of value estimate at the time the policy was originally written. This information must be maintained in the agent s office. The Antique, Classic or Special Interest Auto Supplemental Application must be completed for each vehicle and any additional information (receipts, bill of sale, etc.) that may be useful in the settlement of a claim should also be kept on file and maintained in the agent s office. COVERED PROPERTY COVERAGE Endorsement A 159 must be applied to Camping Trailers, Horse Trailers, Travel Trailers and Motor Homes with Other Than Collision coverage. This endorsement provides coverage for awnings, cabanas, or equipment designed to create additional living facilities in all Camping Trailers, Horse Trailers, Travel Trailers and Motor Homes. Other Than Collision is required on the vehicle for this endorsement to apply. The Cost New amount is used with this endorsement. EXCLUSION OF NAMED PERSON(S) AND/OR SPOUSE FROM ALL VEHICLES Endorsement B 137 OH applies to Personal Autos and Miscellaneous Vehicles. The Exclusion of Named Person(s) And/Or Spouse From All Vehicles endorsement excludes coverage for the person(s) and/or spouse named in the endorsement while operating any auto covered by the policy. Use of this endorsement requires all applicable signatures. D-5 (OH)

6 6 EXTENDED NON-OWNED COVERAGE FOR NAMED INDIVIDUAL Endorsement A 16 applies to Personal Autos. This endorsement extends Liability, Medical Payments and Uninsured/Underinsured Motorists Bodily Injury coverage, if carried, for the designated individual s regular use of non-owned auto. Available to: Individual owners or husband and wife; Co-owners or partner-individuals other than husband and wife; Employees (including Executive Officers); and Relatives of any above named person(s), if resident(s) of the same household. Not available to: Persons operating public or livery conveyances; School bus drivers; Parking lot or service station attendants; and Mechanics or car salesmen. Different rates apply based on whether the coverage is primary or secondary. IDENTITY THEFT COVERAGE Endorsement A 538 applies to Personal Auto. This endorsement provides coverage for expenses incurred as a result of identity theft. Covered expenses include lost wages and incurred costs that may be required by you or a family member to repair the damage caused by the theft or improper use of their credit records. Expenses are covered up to the limit shown on the Declarations Page. Only one endorsement per household is permitted regardless of the number of policies issued or vehicles insured. This endorsement may not be applied to a Personal Auto policy if the HO 538 Identity Theft Coverage endorsement is already included on a Grange Homeowner policy for the named insured. Identity Theft means the unlawful, unauthorized use of the insured person=s identity with the intent to commit activities that are statutorily defined as fraud or theft. A $250 deductible applies to this coverage for each occurrence. D-6 (OH)

7 7 LOAN/LEASE GAP COVERAGE Endorsement B 152 applies to Personal Auto and Miscellaneous Vehicles. Loan/Lease Gap coverage pays the difference between the unpaid amount due on the new or used loan or lease agreement and the actual cash value of the auto, not to exceed 125%, in the event of a covered total loss of the auto. Coverage does not include: Finance charges and overdue principal outstanding under a finance agreement used solely to purchase the auto and its equipment; Overdue lease payments; Financial penalties imposed because of excessive mileage, use or wear and tear; Security deposits not refunded by the lessor; Extended warranties, Credit Life insurance, Health, Accident or Disability insurance purchased with the loan or lease; or Carry over balances from previous loans or leases. Eligibility Requirements This coverage is available to an auto if: The auto is insured for Other Than Collision and Collision coverages; A lienholder or leasing company is shown for the auto; and The lienholder or leasing company is a financial institution. MISCELLANEOUS VEHICLE TYPE ENDORSEMENT Endorsement A158 must be applied to All Terrain Vehicles, Dune Buggies, Go-carts, Amphibious Vehicles, Hovercrafts, Golf Carts and Motor Homes. This endorsement adds miscellaneous type vehicle to the list of defined terms in the policy and restates policy provisions to include this term. Cost New amount is used for Motor Homes and Stated Amount is used for all other vehicles mentioned above. D-7 (OH)

8 8 PERSONAL AUTO PLUS ENDORSEMENT Endorsement A 154 OH applies to Personal Auto and Miscellaneous Vehicles. The Personal Auto Plus endorsement provides the insured with the following coverages: Waiver of Deductible Other than Collision, Collision and Uninsured Motorist Property Damage The deductible for a covered loss is waived if the loss is a total, or when the insured is involved in an accident with an identifiable uninsured motorist who was 50% at fault. Waiver of Deductible Other Personal Property The deductible under any other Grange, or an affiliated company, policy is waived for damage to or loss of personal property resulting from an accident (or total theft) involving the auto. Rental Car Loss of Use Provides reimbursement, up to $1000, for rental fees the insured is obligated to pay while a rental auto is out of service due to an insured s covered loss. Tax, Title, and Fees In the event of a total loss to the auto, this coverage provides up to $1,000 reimbursement for expenses incurred for taxes, title, and fees when purchasing a replacement auto. Air Bag Replacement Provides reimbursement for the cost of replacing an air bag if it inflates without the auto being involved in an accident. Lodging Provides reimbursement, up to $40 per day ($200 maximum), for lodging expenses incurred when the auto is disabled due to a Collision loss more than 100 miles away from home. Electronic Equipment and Accessories Provides coverage, up to $300, for loss to radios, tape players, compact disc players, mobile and cellular phones and other similar devices, including accessories to these devices, such as antennas, tapes, compact discs and records while in or upon the insured s vehicle and not permanently installed. The electronic equipment must be equipped to be operated by power from the electrical system of a motorized vehicle. Locksmith Coverage Provides coverage, up to $75, for service of a professional locksmith. (continued) D-8 (OH)

9 9 PERSONAL AUTO PLUS ENDORSEMENT (continued) Replacement Cost Coverage This coverage applies when a covered auto that is less than 1 year old and insured for Other than Collision and Collision coverage, is involved in a covered total loss. Waiver of Deductible - Damage to Your Covered Auto When multiple covered autos that are insured for Other than Collision or Collision coverage under a Grange Insurance Company policy are damaged by a covered loss resulting from the same occurrence, only one deductible will be applied to all the damaged vehicles. The highest deductible will be applied. Eligibility Requirements This coverage is available when a vehicle is insured for Other Than Collision and Collision coverage. PERSONAL EFFECTS COVERAGE Endorsement A 80 applies to camping and travel trailers, and motor homes. This endorsement extends Other Than Collision and Collision coverage to personal effects carried in a camping trailer, travel trailer or motor home. The only deductible applicable to this coverage is $50 for each loss caused by theft. Refer to the endorsement for items that are considered personal effects and other coverage restrictions. Other Than Collision is required on the vehicle and a minimum of $500 worth of coverage is required for this endorsement to apply. Stated Amount is used with this endorsement. PORTABLE CAMPER BODY PHYSICAL DAMAGE Endorsement A 74 applies to Personal Autos. Other Than Collision or Collision coverage is available for a camper body unit used with a covered auto. The selected coverage(s) and deductible apply separately to the camper body. Truck cap are not considered a portable camper body. Other Than Collision is required on the vehicle to which this unit is attached for this endorsement to apply. Cost New amount is used with this endorsement. D-9 (OH)

10 10 SNOWMOBILE ENDORSEMENT Endorsement A 161 must be applied to snowmobiles. This endorsement adds snowmobile to the list of defined terms in the policy and restates policy provision to include this term. Stated Amount is used with this endorsement. D-10 (OH)

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

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT This endorsement modifies insurance provided under the BUSINESS AUTO COVERAGE FORM The following

More information

COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT

COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT ATTACHED TO AND FORMING PART OF POLICY NUMBER: COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE PLUS EXTENSION ENDORSEMENT This endorsement modifies

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

SAFETY GLASS COVERAGE ENDORSEMENT

SAFETY GLASS COVERAGE ENDORSEMENT t7' ENCOMPASS.. SAFETY GLASS COVERAGE ENDORSEMENT In consideration of a reduction in premium, the following provision is added to the Massachusetts Automobile 'Insurance Policy: Under Comprehensive coverage

More information

Personal Auto Coverage Guide, 2nd Edition

Personal Auto Coverage Guide, 2nd Edition Brochure More information from http://www.researchandmarkets.com/reports/1515701/ Personal Auto Coverage Guide, 2nd Edition Description: "Personal Auto Coverage Guide, 2nd Edition" provides clear, straightforward

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

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

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

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

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

ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN. This endorsement, effective at 12:01 A.M.

ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIMEN. This endorsement, effective at 12:01 A.M. ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective at 12:01 A.M. Policy No. By: Issued to: forms a part of BUSINESS AUTO BROAD FORM ENDORSEMENT FORM

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

Roadside Plus. eight popular optional coverages

Roadside Plus. eight popular optional coverages Roadside Plus eight popular optional coverages Be confident that you have the extra protection and peace of mind you need when you re on the road, whether you re close to home or travelling. Our optional

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

AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36.

AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36. NEW JERSEY 11:3-36.2 AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36. Authority N.J.S.A. 17:33B-33. Source and Effective Date R.1991, d.95, effective January 25, 1991 (original

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

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

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

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

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

auto insurance protecting your dreams

auto insurance protecting your dreams auto insurance protecting your dreams Every day your car takes you from Point to Point and points in between. You re headed somewhere school, work, or to pick up some groceries. Visiting friends, a weekend

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

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage!

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! RENTAL CAR COVERAGE & THE MAP- SO MUCH EXPOSURE & SO LITTLE COVERAGE Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781

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

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 basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information

Canal Truck Insurance Application

Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows:

PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: PERSONAL AUTO PP 00 01 06 98 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: A. Throughout this policy, "you"

More information

Chapter 10 Auto Insurance in the United States

Chapter 10 Auto Insurance in the United States Chapter 10 Auto Insurance in the United States Overview If you hit a pedestrian, another car, a large animal or bird, or another object while driving your car, damage is likely to result. You could injure

More information

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals) Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant Legal Name Company Name (DBA)

More information

Presentation Slides. Lesson Nine. Cars and Loans 04/09

Presentation Slides. Lesson Nine. Cars and Loans 04/09 Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)

More information

AGENT CHECK-WRITING AUTHORITY INSTRUCTION MANUAL

AGENT CHECK-WRITING AUTHORITY INSTRUCTION MANUAL AGENT CHECK-WRITING AUTHORITY INSTRUCTION MANUAL Notice: Nothing in this manual is intended, or should be interpreted or construed, as a modification, change or waiver of the provisions of any policy of

More information

PERSONAL AUTO SPECIAL PROVISIONS

PERSONAL AUTO SPECIAL PROVISIONS PERSONAL AUTO SPECIAL PROVISIONS This endorsement changes the policy. Please read it carefully. DEFINITIONS Under K. Newly acquired auto, the following revisions apply: Item 2.a. is deleted and replaced

More information

BUSINESS INSURANCE FAQ

BUSINESS INSURANCE FAQ BUSINESS INSURANCE FAQ Q: What is Business Insurance? A: We strive to understand your risk tolerance and financial ability to withstand the spectrum of potential losses and develop insurance programs to

More information

BUSINESS AUTO EXPOSURES AND COVERAGE

BUSINESS AUTO EXPOSURES AND COVERAGE BUSINESS AUTO EXPOSURES AND COVERAGE SANDI KRUISE INSURANCE TRAINING 1-800-517-7500 www.kruise.com Copyright Sandi Kruise Insurance Training, 2003-2015, all rights reserved TABLE OF CONTENTS BUSINESS AUTO...

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

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

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

ARIZONA AUTO INSURANCE APPLICATION. Nevada General Insurance Company UNDERWRITTEN BY NEVADA GENERAL INSURANCE COMPANY Transmittal Date/Time:

ARIZONA AUTO INSURANCE APPLICATION. Nevada General Insurance Company UNDERWRITTEN BY NEVADA GENERAL INSURANCE COMPANY Transmittal Date/Time: ARIZONA AUTO INSURANCE APPLICATION Nevada General Insurance Company Transmittal Date/Time: Policy Number: Program: Valu APPLICATION INFORMATION Named Insured and Mailing Address PRODUCER Producer Code

More information

INTRODUCTION TO MEMBER SERVICES

INTRODUCTION TO MEMBER SERVICES INTRODUCTION TO MEMBER SERVICES WELCOME TO A A A The largest, most recognized and most trusted emergency road service organization in the nation. We look forward to providing you with outstanding service

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

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF)

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF) FACILITY ASSOCIATION Section S Standard Endorsement Forms Notes: 1.No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s)

More information

RV Coverage Breakdown

RV Coverage Breakdown RV Coverage Breakdown Collision and Comprehensive Collision and Comprehensive (Other than Collision) coverage are without a doubt two of the more important types of RV insurance coverage, and are also

More information

Guide to Knowing Your Auto

Guide to Knowing Your Auto Guide to Knowing Your Auto & Homeowners Insurance Options Presented by: 1 When it comes to insurance, you can never know too much. What type of insurance is available and how much coverage you need? And

More information

1998 ISO personal auto policy revisions

1998 ISO personal auto policy revisions 1998 ISO personal auto policy revisions 1998 ISO personal auto policy revisions Resource kit 90129 By Ted Kinney, CIC, CPCU, ARM, AU, AAM, AAI Nothing is certain in life but change. This is especially

More information

INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES

INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES THIS INFORMATIVE BOOKLET, CONTAINING: a) Information notice, including policy summary and related disclosures, and b) Glossary, SHALL BE AVAILABLE

More information

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals)

Individual LLC Partnership Corporation Joint Venture Trust Principal or Majority Owner (please include all principals) Canal Truck Insurance Application Insurance Indemnity Sections 1 through 6 must be completed for a quote indication. Sections 7 through 9 must be completed in order to bind. 1. General Information Applicant

More information

Truck Application DESCRIPTION OF OPERATIONS. LIABILITY COVERAGE Complete for desired coverages by indicating limits of insurance.

Truck Application DESCRIPTION OF OPERATIONS. LIABILITY COVERAGE Complete for desired coverages by indicating limits of insurance. Truck Application 1. Name (and "dba") Individual/Proprietorship Partnership Corporation Other Policy Term From: To Business Phone Number 2. Mailing Address City State Zip 3. Premises Address City State

More information

COLLECTOR VEHICLE SPECIFIED COVERAGE ENDORSEMENT

COLLECTOR VEHICLE SPECIFIED COVERAGE ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLLECTOR VEHICLE SPECIFIED COVERAGE ENDORSEMENT PERSONAL AUTO CV 90 11 02 09 DEFINITIONS Items I. and J. are replaced by the follow ing:

More information

lesson nine cars and loans overheads

lesson nine cars and loans overheads lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

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

Personal Umbrella Liability Insurance Application

Personal Umbrella Liability Insurance Application ANY CHANGES MADE TO AN ANSWER ON THIS APPLICATION MUST BE INITIALED BY THE APPLICANT. PLEASE PRINT ALL INFORMATION CLEARLY. Personal Umbrella Liability Insurance Application RLI Insurance Company Name

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

Year Month Day TO Year Month Day

Year Month Day TO Year Month Day Ontario Application for Automobile Insurance - Garage Form (O.A.P. 4) Policy No. Assigned New Policy Renewal Replacing Policy No. Language Insurance Company Broker Ensurco Preferred Insurance Group English

More information

Visa Card Auto Rental Collision Damage Waiver

Visa Card Auto Rental Collision Damage Waiver Your Guide to Benefit describes the benefit in effect as of 4/1/14. Benefit information in this guide replaces any prior benefit information you may have received. Please read and retain for your records.

More information

Applicant Date of Birth Occupation. Street Phone Number E-mail. City County State Zip List all Licensed Drivers in household:

Applicant Date of Birth Occupation. Street Phone Number E-mail. City County State Zip List all Licensed Drivers in household: STREET RODS M-1 APPLICATION FOR MODIFIED AUTO INSURANCE J.C. Taylor Modified Automobile Agency, Inc. 320 South 69 th Street, Upper Darby, PA 19082 1-877-HOT-RODS (1-877-468-7637) Fax: 610-853-0114 www.jctaylor.com

More information

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences

More information

Auto Collision Damage Waiver-Personal

Auto Collision Damage Waiver-Personal Auto Collision Damage Waiver-Personal Effective 3/1/06 Please note: This benefit is available on all Visa Classic, Visa Secured, Visa Gold, Visa Platinum, and Visa Signature cards. Protect against collision

More information

MARYLAND PERSONAL AUTO SUPPLEMENT

MARYLAND PERSONAL AUTO SUPPLEMENT MARYLAND PERSONAL AUTO SUPPLEMENT AGENCY NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE Mandatory Offer of Increased Liability Coverage for Claims of Family Members at an Additional Premium

More information

Personal Umbrella Liability Insurance Application

Personal Umbrella Liability Insurance Application ANY CHANGES MADE TO AN ANSWER ON THIS APPLICATION MUST BE INITIALED BY THE APPLICANT. PLEASE PRINT ALL INFORMATION CLEARLY. Personal Umbrella Liability Insurance Application RLI Insurance Company Name

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

Property and Casualty Review Standards Checklist

Property and Casualty Review Standards Checklist Property and Casualty Review Standards Checklist General Filing Requirements apply to all property and casualty lines of insurance. Once you have reviewed the general filing requirements, please page to

More information

Product Marketing Guide. We re On The Road With You

Product Marketing Guide. We re On The Road With You Product Marketing Guide We re On The Road With You Underwriting Appetite Trucking with a radius of up to 1,000 miles between terminals Target classes include: + Waste Haulers + Concrete Mix-In Transit

More information

Business Auto Policy Coverage Guide, 3rd Edition

Business Auto Policy Coverage Guide, 3rd Edition Brochure More information from http://www.researchandmarkets.com/reports/1413628/ Business Auto Policy Coverage Guide, 3rd Edition Description: With the Business Auto Policy Coverage Guide, insurance professionals

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

Please fully complete and print the Application, obtain the insured's signature and forward it to your Program Administrator for processing.

Please fully complete and print the Application, obtain the insured's signature and forward it to your Program Administrator for processing. ANY CHANGES MADE TO AN ANSWER ON THIS APPLICATION MUST BE INITIALED BY THE APPLICANT. PLEASE PRINT ALL INFORMATION CLEARLY. Personal Umbrella Liability Insurance Application RLI Insurance Company Name

More information

STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS

STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS PART A LIABILITY COVERAGE PART B MEDICAL PAYMENTS COVERAGE PART C UNINSURED MOTORISTS COVERAGE - NEW JERSEY PART D COVERAGE FOR DAMAGE TO YOUR AUTO PART

More information

Auto Rental Collision Damage Waiver

Auto Rental Collision Damage Waiver This description of coverage is provided in response to your request for information from the Benefit Administrator. This description of coverage does not supersede any description you may have received

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

Car Rental Insurance Provided by Visa. General Information & Terms and Conditions

Car Rental Insurance Provided by Visa. General Information & Terms and Conditions Car Rental Insurance Provided by Visa General Information & Terms and Conditions What is this benefit? When certain terms and conditions are met, Visa Auto Rental Collision Damage Waiver benefit ( Auto

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

Section 60-1.1 Mandatory provisions.

Section 60-1.1 Mandatory provisions. 11 NYCRR 60-1.1 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS SUBCHAPTER B. PROPERTY AND CASUALTY

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

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

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO MOTORCYCLE INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 01 05 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

Sixt rent a car - Rental Agreement, Terms & Conditions

Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the Face Page. You or your means the person identified as the renter in this Agreement, any person signing

More information

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT

CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT CAMBRIDGE PROPERTY & CASUALTY SPECIAL REPORT INSURANCE ISSUES RELATED TO THE SHORT-TERM RENTAL OF CARS This Special Report was written by Kenneth R. Hale, J.D., CPCU, AAI, LIC. Mr. Hale is Chairman of

More information

J.C. TAYLOR MODIFIED AUTO INSURANCE APPLICATION TOLL FREE 1-877-HOT RODS (1-877-468-7637) www.jctaylor.com

J.C. TAYLOR MODIFIED AUTO INSURANCE APPLICATION TOLL FREE 1-877-HOT RODS (1-877-468-7637) www.jctaylor.com J.C. TAYLOR MODIFIED AUTO INSURANCE APPLICATION TOLL FREE 1-877-HOT RODS (1-877-468-7637) www.jctaylor.com Named Insured (Applicant): Date of Birth _ Address: City: State: Zip Code: Home phone number:

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

Personal Automobile Policy

Personal Automobile Policy Personal Automobile Policy 4245 N. Knox Avenue Chicago, IL 60641 Phone (773) 458-1055 www.stonegateins.com A Stock Insurance Company YOUR AUTO POLICY QUICK REFERENCE 8912-009 (Ed. 01-08) DECLARATIONS PAGE

More information

Financial Responsibility. Costs of Owning a Vehicle Trip Planning

Financial Responsibility. Costs of Owning a Vehicle Trip Planning Mod 10 Financial Responsibility Buying a Used Vehicle Costs of Owning a Vehicle Trip Planning Financial Responsibility Law $ Minimum liability coverage $ $500 Uninsured motorist fee Virginia Auto Insurance

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

Business Auto Insurance

Business Auto Insurance Business Auto Insurance Overview of Chapter 5, CPCU 4 I. Covered Autos II. III. IV. Liability Physical Damage Conditions V. Additional Coverages and Endorsements I. Covered Autos - common definition -

More information

Personal Auto Policy Issues and Answers

Personal Auto Policy Issues and Answers Personal Auto Policy Issues and Answers Presented by: Ted A. Kinney, CIC CPCU ARM AAI CPIA Kinney Training & Consulting, LLC Columbus, OH 1 Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS Kinney

More information

MAPFRE INSURANCE COMPANY CALIFORNIA AUTO ASSIST PLUS PRIVATE PASSENGER AUTO RATE/RULE MANUAL

MAPFRE INSURANCE COMPANY CALIFORNIA AUTO ASSIST PLUS PRIVATE PASSENGER AUTO RATE/RULE MANUAL MAPFRE INSURANCE COMPANY CALIFORNIA AUTO ASSIST PLUS PRIVATE PASSENGER AUTO RATE/RULE MANUAL MAPFRE Insurance Company Page 1 4/17/2013 Contents ELIGIBILITY... 3 UNACCEPTABLE RISKS... 3 Insureds/Drivers...

More information

BUSINESS AUTO DECLARATIONS

BUSINESS AUTO DECLARATIONS COMMERCIAL AUTO B CA DS 03 01 12 Issuing Company: Tri-State Insurance Company of Minnesota Policy No.: Previous Policy No.: BUSINESS AUTO DECLARATIONS ITEM ONE NAMED INSURED AND ADDRESS AGENCY NAME AND

More information

Mount Vernon Fire Insurance Company. Antique Auto Program

Mount Vernon Fire Insurance Company. Antique Auto Program I. AGE There is not a vehicle age requirement for an offer of coverage under this filing. II. POLICY TERM Policy term is for one (1) year. III. LIABILITY COVERAGES A. Compulsory Bodily Injury/Property

More information

Personal Auto Policy. We know how important it is for you to stay on the move.

Personal Auto Policy. We know how important it is for you to stay on the move. Personal Auto Policy We know how important it is for you to stay on the move. St. Louis, Missouri National General Insurance Company National General Assurance Company YOUR PERSONAL AUTO POLICY QUICK REFERENCE

More information

Bolivar RV Resort Golf Cart Rental Agreement 731 Hwy. 87 Gilchrist, TX

Bolivar RV Resort Golf Cart Rental Agreement 731 Hwy. 87 Gilchrist, TX Golf Cart Rental Agreement This contract is between Bolivar RV Resort, hereinafter, referred to as the "Lessor" and, hereinafter referred to as the "Lessee". 1) The Lessor shall deliver the gasoline golf

More information

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by

The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The Homeowners Policy - There s Coverage in Those Exclusions! sponsored by The HO Policy There s Coverage In Those Exclusions Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN,

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

INSURANCE. Automobile GUIDE

INSURANCE. Automobile GUIDE Automobile INSURANCE GUIDE The Pennsylvania Insurance Department is here to help you understand automobile insurance. In the next few pages you will learn about auto insurance, types of coverage available,

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

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

Commonwealth of Massachusetts Division of Insurance

Commonwealth of Massachusetts Division of Insurance Commonwealth of Massachusetts Division of Insurance Joseph G Murphy, Commissioner CONTENTS: PAGE # How to Reach Us D-1 How to File an Insurance Complaint D-1 Frequently Asked Insurance Questions (FAQ s)

More information

PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Non-Franchised Auto Dealers Program Underwriting and Rate Guide

PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA. Non-Franchised Auto Dealers Program Underwriting and Rate Guide PACIFIC SPECIALTY INSURANCE COMPANY STATE OF CALIFORNIA Non-Franchised Auto Dealers Program Underwriting and Rate Guide General Information 1. A fully completed and signed application is required on all

More information