Hartford Insurance Company of the Midwest Personal Auto Underwriting Eligibility Criteria Auto Plan is designed to help agents place more Personal Auto policies with The Hartford! It Accommodates a Broad Spectrum of Customers. Pricing is Competitive and Responsive to Customers Changing Needs. It s Easy to Quote! Underwriting acceptance and pricing for Auto Plan are based on a combination of coverage selections, vehicle and driver information, driving record, loss history, and Insurance Score. In Auto Plan, all Insurance Scores are eligible for coverage. Ineligible Drivers Any applicant with no prior insurance or lapse in coverage in the last 12 months. Age: 75+ without a completed and signed ACORD Medical Statement, and interview with agent. Drivers with suspended or revoked licenses, or any operator requiring SR-22 filing, or households with unlisted drivers. Any drivers with International Licenses. The following chart outlines the maximum combination of driving record and loss history incidents permitted per Household and per Driver in the past 60 Months: Note: Incidents are defined as: At-fault Accidents and Moving Violation convictions. Total Incidents: # MAJOR Convictions: * # Comp Losses: (>$1,000) Incidents Per Policy: 5 1 3 Incidents Per Driver: 4 1 n/a * 1 Major conviction may be accepted if no other incident for driver or household for past 60 months. (Examples of Major convictions include, but are not limited to: DUI, DWI, Reckless Driving, Passing standing school bus, Leaving the scene, etc.) Ineligible Vehicles In addition to the vehicles on the Restricted and Excluded Vehicles List s (page 2), the following vehicles are ineligible: Vehicles used for any type of delivery, taxi or hire, as well as pick-up trucks or vans used in business by tradesmen or artisans for deliveries. Pick-ups, trucks or vans with load capacity greater than 3/4 ton, or commercial-type vehicles. Vehicles used off-road or for racing (including ATVs, Dune Buggies etc.). Passenger vehicles valued at more than $100,000, and motor homes valued at more than $350,000. Vehicles owned or leased by a business or corporation require commercial auto coverage. Please note: Vehicles owned by the applicant and garaged out of state require a separate policy. 1
Hartford Insurance Company of the Midwest Personal Auto Plan Restricted & Excluded Vehicles Certain vehicles present a risk of loss greater than contemplated by our. Typically, these are high performance, extreme value, limited production, exotic vehicle types, or those with a demonstrated higher-than-average loss incidence or below -average safety record. The following is our current listing, as makes and models change, we reserve the right to change this list, and to evaluate each risk based on its own exposure to loss. Restricted Vehicles- Require the principal operator be over age 23 with 3+ years experience Acura - Integra GS-R Ford - Mustang, Cobra, Probe, Taurus Sho Trucks: Alfa Romeo - All Geo - Storm MG - All models Ford - SVT/ Lightning Audi - TT Honda - S2000 & del Sol Mitsubishi - 3000 All models & Eclipse Austin Healey All Hyundai - Scoupe Nissan - Z & ZX Models BMW - Z3, Z8 & M Models Jaguar - All Pontiac - Firebird, Fiero all models Buick- Grand Nat l, GNX & Skyhawk turbo Chevrolet - Corvette, Camaro (all submodels) Jeep - Wrangler & CJ Jensen - All Porsche - All models Subaru - SVX Datsun - All Z models Lexus - SC Models Sunbeam - All models Dodge - Stealth Mazda - RX & Miata Toyota - MR2 & Supra Eagle Talon Mercedes AMG, CL & Triumph - All models Fiat - All model SL Models VW - Scirocco, Cabrio, Corrado, GTI Excluded Vehicles - Decline coverage for any driver In addition to the makes / models listed below, excluded vehicles include exotic cars, kit cars, gray market types, and vehicles with a new cost or current value over $100,000. This category also includes any customized vehicle, any vehicle with modified suspension or those changed to be one-of-a kind, as well as vehicles used for racing or off-road. AC - all Delorean - All Lancia - All Rolls Royce-All Yugo All Acura - NSX De Tomaso All Lotus All Shelby - All AM General - Hummer Dodge Shelby & Viper Maserati - All Subaru Brat Aston Martin - All Excalibur - All Morgan - All Suzuki - Samurai, Sidekick Bentley - All Ferrari - All Pantera - All TVR All Chrys./Plym.-Prowler Lamborghini - All Pininfarina - All Vector - All 2
Hartford Insurance Company of the Midwest Personal Auto Plan Policy Term, Payment Plans and Package Requirements Auto Plan offers a variety of payment plans. Available payments options, including service fees, recommended down payment amounts, and payment schedules can be viewed on Quote-to-Issue (QTI) during the issuance process. You ll find additional billing services information under the Let s Do Business tab in EBC. 12 month policy term is available with The Hartford Sentinel Platinum coverage package. 12 month policy term is available with The Hartford Sentinel Gold coverage package when Homeowners coverage is inforce with The Hartford. Full Payment or EFT is required with The Hartford Essential coverage package. Information Reports and Privacy Policy All applications will be screened against information contained in the following reports: Insurance Scores CLUE Reports MVRs Agents must order and utilize these reports prior to binding coverage. It is The Hartford s policy to require that agents notify applicants that consumer reports will be ordered. Further, any applicant whose Insurance Score does not qualify for our best price, or who has any unreported prior losses or convictions uncovered by the CLUE Report or MVR, must be advised that their premium will not reflect the lowest rate as a result of this information. Please refer to the Notice of Ordering Consumer Report Procedures and the Notice of Ordering Consumer Reports for Privacy Act states, both of which are available on the Electronic Business Center (EBC). Applicants have a right to obtain copies of any reports used in the evaluation of their applications. For a copy of reports used in The Hartford s Dimensions Auto Plan, please refer applicant s to the appropriate company noted below: For Insurance Scores: Trans Union LLC P.O. Box 1000 Chester, PA 19022 Phone: 800-645-1938 For CLUE & MVRs: ChoicePoint Consumer Center P.O. Box 105108 Atlanta, GA 30348 Phone: 800-456-6004 The Hartford is committed to the privacy of our customers. You may distribute our Privacy Policy to any applicant or customer, and you will find a copy of that Privacy Policy on the EBC Home Page. 3
Hartford Insurance Company of the Midwest The Hartford Personal Umbrella Policy Eligibility Criteria All applications for umbrella coverage will be evaluated based on their overall risk characteristics. There will be isolated cases in which the customer meets the underwriting criteria yet we will not be able to issue a policy due to the combination of overall risk factors. Please submit an ACORD Personal Umbrella Application, with copies of the declaration page(s) for any underlying liability coverage policy that is not insured by The Hartford. Applicants must meet the following criteria: A qualifying Insurance Score, as noted on the text message with quote. All Auto and Homeowners Underwriting Guidelines. A maximum combination of accidents and violations of 2 per person, 5 per policy. Major violations within the experience period make an applicant ineligible. An Auto policy with The Hartford. The Umbrella written in the name of an individual. Maximum of 4 living units owned by the insured and rented to others. Required minimum underlying limits: Ø Auto: $250/500/50 BI/PD Ø Homeowners: $300,000 single limit liability coverage including Personal Injury coverage; with a fenced pool $500,000 limit required ** Ø Motorhome or golf carts: $250/500/50 BI/PD Ø Watercraft: $300,000 if The Hartford writes the boat coverage; $500,000 if The Hartford does not write the coverage. **If more than 1 home is owned - All underlying Homeowner limits should be equal and meet highest minimum requirement. Umbrella coverage may be offered over Recreational Vehicles that meet the following: Ø Maximum Umbrella limit over Recreational Vehicles is $2,000,000. Request for $5,000,000 may be referred to your Underwriter. Ø Recreational vehicles include 4 wheel ATVs, snowmobiles, golf carts & personal watercraft only. (Dune buggies, Dirt/Trail/Pocket Bikes, amphibious vehicles or any other recreational vehicles are not allowed) Ø ATVs must be limited to 2 seats. Personal Watercraft must be limited to 3 seats Ø Underlying liability limit of $500,000 is required. Carrier must be A rated. Ø No more than 2 of any specific type of recreational vehicle allowed. More than 4 total recreational vehicles per household must be reviewed by Underwriting prior to issuing. Ø All drivers must meet state age and safety requirements. Operators under age 12 are not allowed. Ø Maximum combination of at fault accidents, not at fault accidents and moving violations is 2 per person / 3 per policy. No recreational vehicle or watercraft incidents are allowed. Ø Personal pleasure use only. Racing, speed or stunt contests, pickup or deliver of goods, limousine or taxi service, emergency service, any business, farming or commercial use, or leasing of any recreational vehicle is not allowed. 4
Hartford Insurance Company of the Midwest The Hartford Personal Umbrella Policy Eligibility Criteria Umbrella coverage may be offered over Motorcycles that meet the following: Ø Underlying Motorcycle carrier must be A rated Ø Minimum Underlying Liability limits must be 250/500/50 Ø Underlying Guest Passenger Hazard Liability must be present with minimum limits of 250/500/50 Ø Motorcycle operators must have 2 years motorcycle driving experience Ø Motorcycle operators must have 10 years automobile driving experience Ø The following motorcycles are not eligible for Umbrella coverage: o 3 wheeled, homemade or motorcycles used in parades/shows. o Any high performance, racing type bike, including but not limited to the following: Make Model Make Model BIMOTA All DUCATI All HONDA SUZUKI All intercepters >499cc VF500F VF700F VFR700F VF750F VFR750F VF1000F RC30 VFR750R All Hurricanes CBR600F CBR600F2 CBR900RR CBR1000F All GSX-R and Katanas GSX-R600 GSX-R750 GSX-R1100 GSX600F Katana GSX750F Katana GSX1100F Katana GS500E KAWASAKI YAMAHA All Ninjas >599cc XZ600A Ninja 600R XZ600B Ninja 600RX XZ600C Ninja 600R XZ600D ZX-6 ZX750E Turbo ZX750F Ninja 750R ZX750K Ninja 750R ZX750H ZX-7 ZX750J ZX-7 ZX900A Ninja ZX1000B ZX-10 Ninja ZX1000A Ninja 1000R ZX100C ZX-11 Ninja FZR400 FZR600W FZR600R FZ600 FZ700 FZ750R FZ750 FZR1000 Ineligible Risks Pending lawsuits or previous lawsuits involving intentional acts make an applicant ineligible, as do prior Comprehensive Personal Liability or Personal Umbrella losses. UM/UDM Coverage is not available on The Hartford s Umbrella Policy. The following risks should NOT be bound for Umbrella coverage prior to contacting your Hartford Personal Lines Underwriter: Ø Applicants whose occupations tend to produce excessive ex posure. For Example: Politicians, actors and actresses, labor leaders, newspaper editors and reporters, broadcasters, professional entertainers and athletes. Ø Boats over 30ft 5