auto enhanced coverage endorsement9) coverage applies to your auto and there is a covered loss to...

SA-2823/MAEP 3/14 Page 1 of 2

AUTO ENHANCED COVERAGE ENDORSEMENT

It is agreed that the policy is amended as follows:

OPTIONAL INSURANCE

PART 7. COLLISION, 8. LIMITED COLLISIONand 9. COMPREHENSIVE

NEW CAR REPLACEMENT COVERAGE

This coverage applies only if the CoverageSelections Page indicates that Collision (Part 7) orLimited Collision (Part 8) and/or Comprehensive(Part 9) coverage applies to your auto. If yourauto is stolen, this coverage applies only ifComprehensive (Part 9) coverage applies to yourauto.

A. Definitions

For the purpose of this coverage thefollowing definitions are added:

1. “New” means not previously titled underthe motor vehicle laws of any state.

“New” does not apply to a substitute ornon-owned vehicle.

“New” does not apply to a leasedvehicle.

“New” does not apply to a motor homeor trailer.

2. “Total loss” means a loss in which thecost to repair the vehicle to its pre-losscondition plus salvage value equals orexceeds the Actual Cash Value.

B. New Car Replacement features

The New Car Replacement Coverage appliesif a covered total loss occurs to your autoand:

1. Your auto is new; and

2. The total loss occurred within 12months of the vehicle’ s purchase date;and

3. The total loss occurred within thevehicle’s first 15,000 miles as shown onthe odometer.

We will pay, less the deductible, the cost incash we can negotiate for a new vehicle.The new vehicle will be of the same year,make, model, and optional equipment asyour auto that is a total loss. If such vehicleis unavailable, we will pay, less thedeductible, the cost in cash we can negotiatefor an available vehicle. Such availablevehicle will be similar in class and body typeto the year, make, model, and optionalequipment as your auto that is a total lossor is stolen.

C. Conditions

1. Our liability for any loss will not exceedthe MSRP of the vehicle of the sameyear, make, model, and equipment asthe damaged vehicle.

2. We will pay for “customized equipment”only as described in the policy or policyendorsements.

MECHANICAL PARTS REPLACEMENT COSTCOVERAGE

The provisions and exclusions applicable toCollision (Part 7) or Limited Collision (Part 8)and/or Comprehensive (Part 9) are modified bythis endorsement as follows:

This coverage applies when Collision (Part 7),Limited Collision (Part 8) or Comprehensive (Part9) coverage applies to your auto and there is acovered loss to your auto. This coverage doesnot apply if your auto is a motor home.

In the event that your auto has a covered lossand there is damage to mechanical non-bodyrelated parts of your auto, we will not applydepreciation to replace those damagedmechanical non-body related parts.

All other provisions of Collision (Part 7) or LimitedCollision (Part 8) and Comprehensive (Part 9)apply.

PART 10. SUBSTITUTE TRANSPORTATIONCOVERAGE

The provisions and exclusions applicable toSubstitute Transportation (Part 10) are amendedas follows:

Enhanced Substitute Transportation Coverageapplies only if:

1. A covered loss occurs to your auto; and

2. Your auto is withdrawn from use formore than 24 hours. In the event of atheft, the vehicle must have beenreported missing for at least 48 hours.

3. Substitute Transportation Coverageapplies to your auto.

4. Your auto is not a motor home.

At your option, if you choose to:

1. Allow us to make the rental cararrangements with a rental car providerof our choice; and

2. Repair all the damage to your auto at arepair shop approved by us; then

We will pay for the rental car until completionof the repairs of the damage to your auto. Ifyou require a vehicle which exceeds the dailylimit you purchased, and we arrange for a

rental with a rental car provider of our choice,you will only have to pay the differencebetween the expense of the vehicle youchoose and the daily limit you purchased.

AUTO ENHANCED COVERAGE ENDORSEMENT — ULTRA

DEFINITIONS

Under the definition section of “Your Auto”, thefollowing revisions apply:

5.C. is replaced by the following:

C. A private passenger auto; trailer; pick-up truck; van; or similar vehicle, to whichyou take title or lease as a permanentreplacement for a described auto or asan additional auto.

We provide coverage for an additionalauto only if you ask us to insure it withinforty five days after:

1. you take title; or

2. the effective date of the lease.

For any coverage provided in this policyexcept for:

1. Comprehensive and Collision; and

2. Limited Collision,

an additional auto will have the broadestcoverage we now provide for any autoshown in the Coverage Selection page.

In order for Collision or Limited CollisionCoverage to apply you must ask us toinsure it within:

1. 7 days after you take title; or

2. the effective date of the lease.

In order for Comprehensive Coverage toapply you must ask us to insure it within7 days after you take title or the effectivedate of the lease.

If a replacement or additional auto is a:

1. pick-up truck;

2. van; or

3. similar vehicle,

it must not be used for delivery ortransportation of goods or materialsunless such use is incidental to yourbusiness of:

1. installing;

2. maintaining; or

3. repairing,

furnishings or equipment.

Under Parts 1, 2, 3, 4, 5 and 6, the termyour auto also includes any trailer notdescribed on the Coverage SelectionsPage as covered under those Parts.

COMPULSORY INSURANCE

PART 4. DAMAGE TO SOMEONE ELSE’SPROPERTY

Part 4., Item 6., is amended and replaced by thefollowing:

We will not pay for property damage whichoccurs:

6. To an auto owned by you or the legallyresponsible person. Similarly, we will not payfor damage to an auto except for a privateresidence or garage, which you or the legallyresponsible person rents or has in his or hercare.

OPTIONAL INSURANCE

PART 6. MEDICAL PAYMENTS

Under Part 6. Medical Payments, the followingparagraphs are added:

A. If you or a household member die withinthree years of the accident because of injurysustained in the accident, we will pay:

1. The unused part of the MedicalPayments Coverage Limit of Liability;and

2. $2,000 for each such death in additionto the Medical Payments Coverage Limitof Liability;

to the surviving kin or legal representative.

B. In the event of a covered accident, we willdouble the Medical Payments Coverage Limitof Liability as shown on the CoverageSelections Page subject to the following:

1. All occupants of your auto werewearing full safety belts at the time ofthe accident; and

2. Any payment we make under thisparagraph (B.) is subject to a maximumlimit of liability increase of $10,000.

A. Definitions

3. The total loss occurred within thevehicle’ s first 15,000 miles as shown onthe odometer.

C. Conditions

The provisions and exclusions applicable toCollision (Part 7) or Limited Collision (Part 8)

and/or Comprehensive (Part 9) are modified bythis endorsement as follows:

OTHER PHYSICAL DAMAGE ENHANCEMENTS

In the event of a covered loss under Parts 7, 8and or 9, these deductible waivers apply:

If there is a covered loss under Collision orLimited Collision Coverage to your auto or anynon-owned auto for which we have determinedthat you are not at fault, we will not apply anyotherwise applicable Deductible if the driver of theother vehicle is identified.

If there is a covered loss under ComprehensiveCoverage to your auto or any non-owned auto,we will not apply any otherwise applicableDeductible if we declare a total loss.

We will pay under Comprehensive Coverage forthe cost of repairing or replacing damaged safetyglass on your auto without a deductible. We willpay only if the Coverage Selections Pageindicates that Comprehensive Coverage appliesto that auto.

If there is a covered loss to a permanentlyinstalled telephone or a mobile telephone, wewill not apply the otherwise applicableComprehensive, Collision or Limited CollisionDeductible.

The following enhancements also apply:

We will reimburse, without application of adeductible, up to $100 for any one occurrence foremergency travel expenses to get you or anyfamily member home or to a destination madenecessary due to a covered loss to your auto orany non-owned auto.

We will pay, without application of a deductible, upto a maximum limit of $600 for reasonable:

1. Transportation expenses incurred byyou in the event of a mechanical orelectrical breakdown of your auto.

2. Expenses incurred by you for lodgingand meals in the event of:

a. Direct and accidental loss to yourauto caused by collision orcomprehensive loss; or

b. Mechanical or electrical breakdownof your auto

This Coverage applies only if:

1. The loss to, or mechanical or electricalbreakdown of, your auto occurs morethan 100 miles from home;

2. Your auto is withdrawn from use for atleast 24 hours; and

3. Collision coverage and comprehensivecoverage applies to your auto.

Our payment for Trip Interruption Coverage will belimited to that period of time reasonably requiredto:

a. Resume travel under a prearrangeditinerary; or

b. Return home.

No one will be entitled to receive duplicatepayments for the same elements of loss underthis coverage and Parts 7, 8 and 9 of the policy.

Any insurance we provide with respect to TripInterruption Coverage shall be excess over anyother collectible source of recovery including butnot limited to:

1. Any coverage provided by:

a. Vehicle warranties;

b. Automobile clubs; or

c. Mechanical breakdown or similarplans; or

2. Any other source of recovery applicableto the loss.

We will pay, without application of a deductible, upto $600 for any one occurrence for loss topersonal clothing and baggage as a direct resultof a covered loss to your auto or any non-ownedauto. However, for this coverage to apply to atheft loss, the loss must be a result of:

1. The total theft of; or

2. Forcible entry into

Your auto or the non-owned auto. If theftloss results from forcible entry, there must beevidence of such entry.

For purposes of this endorsement, personalclothing means wearing apparel that

belongs to you or a household member.Baggage means bags, suitcases, trunks orvalises of a traveler while being used totransport personal clothing. However,personal clothing and baggage do notinclude:

1. Items specifically insured, in whole or inpart, by this or any other policy;

2. Furs or items trimmed with fur;

3. Jewelry or watches; or

4. Business property, including, but notlimited to, samples or merchandise heldfor sale, consignment, exhibition orauction.

In the event that we declare a covered total loss toyour auto, we will pay any unpaid amount due onthe lease or loan for your auto less:

1. The amount paid under Part 7, 8 and 9under the policy; and

2. Any:

a. overdue lease/loan payments at thetime of the loss;

b. financial penalties imposed under alease for excessive use, abnormalwear and tear or high mileage;

c. security deposits not refunded by alessor;

d. costs for extended warranties,Credit Life Insurance, Health,Accident or Disability Insurancepurchased with the loan or lease;and

e. carry-over balances from previousloans or leases.

We will reimburse, without application of adeductible, up to $100 for any one occurrence tocover your actual expenses incurred when alocksmith must be called to:

1. Open your auto because the keys arelocked inside the auto; or

2. Make a key for your auto because thekey has been lost or stolen.

Coverage for the accidental loss to tapes, records,discs or other media used with electronicequipment is added if the property is:

1. Your’s or a household member’s; and

2. In or upon your auto or any non-ownedauto

at the time of the loss.

DEFINED LIMITS FOR OTHER PHYSICALDAMAGE ENHANCEMENTS

Unless otherwise stated, our limit of liability forloss will be the lesser of the:

1. Actual cash value of the stolen ordamaged property; or

2. Amount necessary to repair or replacethe property with other property of likekind and quality.

However, the most we will pay for loss to:

1. Any “non-owned auto” which is a traileris $5,000;

2. Tapes, records, discs or other media,without application of a deductible, is$1,000; or

2. Your auto is withdrawn from use formore than 24 hours. In the event of a

theft, the vehicle must have beenreported missing for at least 48 hours.

We will pay for the rental car until completionof the repairs of the damage to your auto. Ifyou require a vehicle which exceeds the dailylimit you purchased, and we arrange for arental with a rental car provider of our choice,you will only have to pay the differencebetween the expense of the vehicle youchoose and the daily limit you purchased.

GENERAL PROVISIONS AND EXCLUSIONS

ADDITIONAL COSTS WE WILL PAY

Item 3.C. is replaced as follows:

3. Up to $300 a day for loss of earnings,but not for loss of other income to anyperson covered under this policy whoattends hearings or trials at our request.

DIMINISHING COLLISION OR LIMITED COLLISION DEDUCTIBLEMASSACHUSETTS

COLLISION (PART 7) or LIMITED COLLSION (PART 8)

The following provision is added:

DIMINISHING COLLISION OR LIMITED COLLISION DEDUCTIBLE:

The Collision or Limited Collision deductible(s) shown on the Coverage Selections Page is/arereduced by $100 each policy term, provided that:

1. At the inception of this policy term, this policy has been free of losses for at least the immediatepreceding renewal term.

2. At the inception of this policy term, all autos eligible for the Diminishing Collision or LimitedCollision Deductible must have continuously maintained Collision or Limited Collision coverage,with a minimum $100 deductible.

After the initial policy term in which the conditions in (1.) and (2.), above have been met, the Collisionor Limited Collision Deductible(s) shown on the Coverage Selections Page will be reduced by anadditional $100 for each full policy term during which there have been no auto losses, for a totalmaximum Collision or Limited Collision Deductible reduction per vehicle of $500.

“Loss” as used in this endorsement means any collision claim, regardless of fault, filed underCollision or Limited Collision Coverage provided by this policy that results in payment, regardless ofthe amount paid, to which the Collision or Limited Collision Deductible or Diminished Collision orLimited Collision Deductible is/are applicable.

If your policy has earned a reduced Collision or Limited Collision Deductible, the CoverageSelections Page will reflect an aggregate Diminished Collision or Limited Collision Deductible, pereligible vehicle. The Diminished Collision or Limited Collision Deductible will be applicable to all“losses” during the policy term to which the Collision or Limited Collision Deductible would otherwiseapply.

Once a loss has occurred, a new qualification period begins, and the Collision or Limited CollisionDeductible amount shown on the Coverage Selections Page (per vehicle) will be restored in full,effective the inception of the policy term immediately following the term in which the loss occurred.

All other provisions of the policy apply.

LIMIT FACTOR LIMIT FACTOR DEDUCTIBLE FACTOR20/40 1.000 5000 1.00 0 Named Insd and Household 1.000

10000 1.204 0 Insured 1.00025000 1.242 100 Named Insd and Household 0.98035000 1.254 100 Insured 0.98050000 1.265 250 Named Insd and Household 0.950100000 1.280 250 Insured 0.960

20/40 1.000 250000 1.309 500 Named Insd and Household 0.90025/50 1.050 500000 1.329 500 Insured 0.92035/80 1.160 1000 Named Insd and Household 0.81050/100 1.200 1000 Insured 0.860100/300 1.400 2000 Named Insd and Household 0.650250/500 1.800 LIMIT FACTOR 2000 Insured 0.740500/500 2.650 20/40 1.000 4000 Named Insd and Household 0.520

25/50 2.000 4000 Insured 0.63035/80 5.000 8000 Named Insd and Household 0.41050/100 7.670 8000 Insured 0.550

LIMIT FACTOR 100/300 16.33020/40 0.880 250/500 45.33025/50 1.000 500/500 112.00035/80 1.12050/100 1.180 LIMIT FACTOR100/300 1.410 5000 1.000250/500 1.650 10000 1.360500/500 2.470 25000 2.050

35000 2.12050000 2.410100000 2.860

DEDUCTIBLE FACTOR DEDUCTIBLE FACTOR300* 1.05 300* 1.08 DEDUCTIBLE FACTOR

500 1.000 500 1.000 300* 1.08750 0.820 750 0.770 500 1.0401000 0.630 1000 0.540 750 0.8561500 0.560 1500 0.430 1000 0.6742000 0.480 2000 0.320 1500 0.6115000 0.350 5000 0.150 2000 0.547

5000 0.420

FACTOR1.1 SUB TRANS 0.13600.93 COMP 0.00200.100 COLL 0.05100.700 Limited COLL 0.05100.8501.0000.8400.7980.758 BI 0.00100.880 MED 0.26300.739 SUB TRANS 0.13600.702 COMP 0.33500.667 COLL 0.11200.750 Limited COLL 0.11200.6300.5990.5690.710 * Grandfathered coverage for converting Peerless Insurance business only.0.5960.5670.5380.6700.5600.5320.5050.6370.5350.5080.483

Auto Enhanced Coverage Endorsement*

Auto Enhanced Coverage Endorsement - Ultra*

2500 250 Glass Ded2500 500 Glass Ded

750 250 Glass Ded

500 Full Glass

2000 500 Glass Ded2500 Full Glass

2500 100 Glass Ded

500 100 Glass Ded500 250 Glass Ded500 500 Glass Ded

750 Full Glass750 100 Glass Ded

2000 Full Glass2000 100 Glass Ded2000 250 Glass Ded

750 500 Glass Ded

COMPREHENSIVEDEDUCTIBLE

500 Fire500 Fire and Theft

500 Fire, Theft and Combined

300 Full Glass*300 Ded 100 Glass*

1000 Full Glass1000 100 Glass Ded1000 250 Glass Ded1000 500 Glass Ded

1500 Full Glass

OPTIONAL BODILY INJURY AND DOC OPTIONAL

BODILY INJURY INJURY

UNDERINSURED MOTORIST

UNINSURED MOTORIST BODILY INJURY

MEDICAL PAYMENTS & DOC MEDICAL

COLLISION LIMITED COLLISIONCOLLISION WITH WAIVER OF DEDUCTIBLE

SAFECO INSURANCE COMPANY OF AMERICA

MANUAL OF AUTOMOBILE INSURANCE - PERSONAL

MASSACHUSETTS

LIMITS & DEDUCTIBLES

BODILY INJURY & DOC BODILY INJURY

PROPERTY DAMAGE & DOC PROPERTY DAMAGE PERSONAL INJURY PROTECTION

[Type text ] [Type text ] [Type text ]

MANUAL OF AUTOMOBILE INSURANCE

PERSONAL MASSACHUSETTS RATE ORDER CALCULATION PRIVATE PASSENGER VEHICLES

ROC--1

Rounding per coverage BI OBI PD PIP MED UMBI UIMBI COMP COLL

Limited COLL ACE

Loss of Use

Roadside Assistance EAP

Years Experience Round (X,3) x x x x x x x x x x x

Driving Record (Points) Round (X,3) x x x x x x x x x x x

Good Student Discount Round (X,3) x x x x x x x x x x x

Distant Student Discount Round (X,3) x x x x x x x x x x x

Accident Prevention Discount Round (X,3) x x x x x x x x x x x

Driving Training Discount Round (X,3) x x x x x x x x x x x

Class 15 Discount Round (X,3) x x x x x x x x x x x

Driver Factor = = = = = = = = = = =

Average Driver Factor - -

Base Rate Round (X,3) x x x x x x x x x x x x x

Territory Round (X,3) x x x x x x x x x x x

Tier Round (X,3) x x x x x x x x x x x

Limit/ Deductible Round (X,3) x x x x x x x x x x x x

Symbol Round (X,3) x x x x x x x x x x

Value Class ** Round (X,3) x x x

Model Year Round (X,3) x x x x x x x x x x

Usage Round (X,3) x x x x x x x x x x x

Vehicle-Driver Relationship Round (X,3) x x x x x x x x x x x

Child-Youth Relationship Round (X,3) x x x x x x x x x x x

Driver-Child Relationship Round (X,3) x x x x x x x x x x x

Full Coverage Discount Round (X,3) x x x x x x x x x x x

Full Pay Discount Round (X,3) x x x x x x x x x x x

Advance Quote Discount Round (X,3) x x x x x x x x x x x

Account Discount Round (X,3) x x x x x x x x x x x

Accident Free Discount Round (X,3) x x x x x x x x x x x

Violation Free Discount Round (X,3) x x x x x x x x x x x

Excluded Surcharge Round (X,3) x x x x x x x x x x

Age of Vehicle Round (X,3) x x

Anti-Theft Discount Round (X,3) x

Low Mileage Discount Round (X,3) x x x x x x x x x x x x x x

Expense Fee Round (X,3) + + + + + + + +

Policy Term Round (X,3) x x x x x x x x x x x x x x

Group Discount Round (X,3) x x x x x x x x x x x x x x

Final Coverage Premium Round (X,0) = = = = = = = = = = = = = =

Auto Loan/Lease ***** Round (X,0) +

OEM ****** Round (X,0) +

Optimum Package Plus ******* Round (X,0) +

New Vehicle Replacement ******** Round (X,0) +

Auto Enhanced Coverage Endorsement********** Round (X,0) +

Auto Enhanced Coverage Endorsement - Ultra*********** Round (X,0) +

Drive Other Cars ********* Round (X,0) +

Financial Responsibility (SR-22) Round (X,0) +

Final Policy Premium =

** Only used if no Safeco or ISO symbol can be determined

*****Loan/Lease is calculated as (Comp Cov Prem + Coll Cov Prem) * Loan/Lease Factor

****** OEM Endorsement is calculated as (Comp Cov Prem + Coll Cov Prem) * OEM Factor

******** New Vehicle Replacement is calculated as (Coll Cov Prem) * New Vehicle Replacement Factor

********** Grandfathered coverage for converting Peerless Insurance business only. (SUB TRANS premium * SUB TRANS Factor) + (COMP Premium * COMP Factor) + (COLL Premium * COLL Factor) + (LCOLL Premium * LCOLL Factor)

*********** Grandfathered coverage for converting Peerless Insurance business only. (BI Premium * BI Factor) + (MED Premium * MED Factor) + (SUB TRANS premium * SUB TRANS Factor) + (COMP Premium * COMP Factor) + (COLL Premium * COLL Factor) + (LCOLL Premium * LCOLL Factor)

MANUAL OF AUTOMOBILE INSURANCE -- PERSONAL

MASSACHUSETTS RATE ORDER CALCULATION

PRIVATE PASSENGER VEHICLES

******* Optimum Package Plus is calculated as (BI cov Prem + OBI cov Prem) *OPP BI Factor + (PD cov Prem) * OPP PD Factor + (MED cov Prem) * OPP MED Factor + (Comp cov Prem) * OPP Comp Factor + (Coll cov Prem) * OPP Coll Factor

********* DOC is calculated as ((DOC BI Base + DOC OBI Base)*DOC BI Tier * DOC OBI Limit * DOC BI Policy Term)+(DOC PD Base*DOC PD Tier * DOC PD Limit * DOC PD Policy Term)+(DOC MED Base*DOC PD Tier * DOC MED Limit * DOC MED Policy Term)

PP-30 Includes copyrighted material of Automobile Insurers Bureau

with its permission Copyright, Automobile Insurers Bureau, 2009 & 2010

SAFECO INSURANCE COMPANY OF AMERICA MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL

PRIVATE PASSENGER ENDORSEMENTS/FORMS ALPHABETICAL INDEX

TITLE SAFECO FORM NO. Additional Interest Endorsement SA-875/MAEP 3/13 Agreed Amount Coverage – Comprehensive SA-2929/MAEP 3/13 Antique Auto SA-2933/MAEP 3/13 Auto Enhanced Coverage Endorsement* SA-2823/MAEP 3/14 Auto Enhanced Coverage Endorsement – Ultra* SA-2824/MAEP 3/14

Auto-Loan/Lease Coverage SA-1914/MAEP 3/13 Classic Car Endorsement Restricted Use SA-1092/MAEP 3/13 Classic Car Endorsement Regular Use SA-1091/MAEP 3/13

Coverage For Custom Parts or Equipment SA-2926/MAEP 3/13 Diminishing Collision or Limited Collision Deductible Massachusetts* SA-2939/MAEP 3/14

Emergency Assistance Package SA-2267/MAEP 3/13 Execution Clause SA-1701/MAEP 3/13

Leased Auto – Lessor’s Interest SA-877/MAEP 3/13 Loss Payee Endorsement SA-1700/MAEP 3/13 Massachusetts Endorsement Trust Endorsement SA-2931/MAEP 3/13

New Vehicle Replacement SA-2692/MAEP 3/13

Operator Exclusion Form SA-2934/MAEP 3/13

Original Equipment Manufacturer Parts Coverage SA-2946/MAEP 3/13

Other Optional Insurance Combined Additional Coverage SA-2945/MAEP 3/13

Other Optional Insurance Fire, Lightning, and Transportation SA-2943/MAEP 3/13

Other Optional Insurance Theft SA-2944/MAEP 3/13

Safeco Optimum Package Plus SA-2769/MAEP 3/13

Separate Glass Deductible – Comprehensive SA-2930/MAEP 3/13

Transportation of Fellow Employees, Students or Others SA-2927/MAEP 3/13

Use of Other Autos - Vehicles Furnished or Available for Regular Use SA-2940/MAEP 3/13

Waiver of Deductible SA-2932/MAEP 3/13

Massachusetts Automobile Insurance Policy SA-2890/MAEP 3/13

*Grandfathered coverage for converting Peerless Insurance business only.

35000 2.12050000 2.410100000 2.860

500 1.000 500 1.000 300* 1.08750 0.820 750 0.770 500 1.0401000 0.630 1000 0.540 750 0.8561500 0.560 1500 0.430 1000 0.6742000 0.480 2000 0.320 1500 0.6115000 0.350 5000 0.150 2000 0.547

5000 0.420

FACTOR1.1 SUB TRANS 0.13600.93 COMP 0.00200.100 COLL 0.05100.700 Limited COLL 0.05100.8501.0000.8400.7980.758 BI 0.00100.880 MED 0.26300.739 SUB TRANS 0.13600.702 COMP 0.33500.667 COLL 0.11200.750 Limited COLL 0.11200.6300.5990.5690.710 * Grandfathered coverage for converting Peerless Insurance business only.0.5960.5670.5380.6700.5600.5320.5050.6370.5350.5080.483

COLLISION LIMITED COLLISIONCOLLISION WITH WAIVER OF DEDUCTIBLE

MASSACHUSETTS

1500 500 Glass Ded

750 250 Glass Ded

500 Full Glass

2500 100 Glass Ded

750 500 Glass Ded

Auto Enhanced Coverage Endorsement*

1500 Full Glass

Auto Enhanced Coverage Endorsement - Ultra*

[Type text ] [Type text ] [Type text ]

MANUAL OF AUTOMOBILE INSURANCE

PERSONAL MASSACHUSETTS RATE ORDER CALCULATION PRIVATE PASSENGER VEHICLES

ROC--1

Limited COLL ACE

Loss of Use

Driver Factor = = = = = = = = = = =

OEM ****** Round (X,0) +

Auto Enhanced Coverage Endorsement********** Round (X,0) +

Auto Enhanced Coverage Endorsement - Ultra*********** Round (X,0) +

********** Grandfathered coverage for converting Peerless Insurance business only. (SUB TRANS premium * SUB TRANS Factor) + (COMP Premium * COMP Factor) + (COLL Premium * COLL Factor) + (LCOLL Premium * LCOLL Factor)

*********** Grandfathered coverage for converting Peerless Insurance business only. (BI Premium * BI Factor) + (MED Premium * MED Factor) + (SUB TRANS premium * SUB TRANS Factor) + (COMP Premium * COMP Factor) + (COLL Premium * COLL Factor) + (LCOLL Premium * LCOLL Factor)

PP-30 Includes copyrighted material of Automobile Insurers Bureau

with its permission Copyright, Automobile Insurers Bureau, 2009 & 2010

SAFECO INSURANCE COMPANY OF AMERICA MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL

PRIVATE PASSENGER ENDORSEMENTS/FORMS ALPHABETICAL INDEX

TITLE SAFECO FORM NO. Additional Interest Endorsement SA-875/MAEP 3/13 Agreed Amount Coverage – Comprehensive SA-2929/MAEP 3/13 Antique Auto SA-2933/MAEP 3/13 Auto Enhanced Coverage Endorsement* SA-2823/MAEP 3/14 Auto Enhanced Coverage Endorsement – Ultra* SA-2824/MAEP 3/14

Auto-Loan/Lease Coverage SA-1914/MAEP 3/13 Classic Car Endorsement Restricted Use SA-1092/MAEP 3/13 Classic Car Endorsement Regular Use SA-1091/MAEP 3/13

Coverage For Custom Parts or Equipment SA-2926/MAEP 3/13 Diminishing Collision or Limited Collision Deductible Massachusetts* SA-2939/MAEP 3/14

Emergency Assistance Package SA-2267/MAEP 3/13 Execution Clause SA-1701/MAEP 3/13

Leased Auto – Lessor’s Interest SA-877/MAEP 3/13 Loss Payee Endorsement SA-1700/MAEP 3/13 Massachusetts Endorsement Trust Endorsement SA-2931/MAEP 3/13

New Vehicle Replacement SA-2692/MAEP 3/13

Operator Exclusion Form SA-2934/MAEP 3/13

Original Equipment Manufacturer Parts Coverage SA-2946/MAEP 3/13

Other Optional Insurance Combined Additional Coverage SA-2945/MAEP 3/13

Other Optional Insurance Fire, Lightning, and Transportation SA-2943/MAEP 3/13

Other Optional Insurance Theft SA-2944/MAEP 3/13

Safeco Optimum Package Plus SA-2769/MAEP 3/13

Separate Glass Deductible – Comprehensive SA-2930/MAEP 3/13

Transportation of Fellow Employees, Students or Others SA-2927/MAEP 3/13

Use of Other Autos - Vehicles Furnished or Available for Regular Use SA-2940/MAEP 3/13

Waiver of Deductible SA-2932/MAEP 3/13

Massachusetts Automobile Insurance Policy SA-2890/MAEP 3/13

*Grandfathered coverage for converting Peerless Insurance business only.

90-90MA (04/08) Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 1

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Peerless Insurance Company

DIMINISHING COLLISION/LIMITED COLLISION DEDUCTIBLE MASSACHUSETTS

A Diminishing Collision or Limited Collision Deductible applies only when shown on the Coverage Selections Page.

AGREEMENT The following provision is added: DIMINISHING COLLISION OR LIMITED COLLISION DEDUCTIBLE:

The Collision or Limited Collision Deductible(s) shown on the Coverage Selections Page is/are reduced by $50, provided that: 1. At the inception of this policy term, this policy has been free of “losses” for at least the immediate

preceding renewal term. 2. At the inception of this policy term, all autos eligible for the Diminishing Collision or Limited Collision

Deductible must have continuously maintained Collision or Limited Collision Coverage, with a minimum $50 deductible.

After the initial policy term in which the conditions in (1.) and (2.), above have been met, the Collision or Limited Collision Deductible(s) shown on the Coverage Selections Page will be reduced by an additional $50 for each full policy term during which there have been no auto “losses”, for a total maximum Collision or Limited Deductible reduction per vehicle of $250. “Loss” as used in this endorsement means any Collision or Limited Collision claim, regardless of fault, filed under Collision or Limited Collision Coverage provided by this policy that results in payment, regardless of the amount paid, to which the Collision or Limited Collision Deductible or Diminished Collision or Limited Collision Deductible is/are applicable. If your policy has earned a reduced Collision or Limited Collision Deductible, the Policy Declarations will reflect an aggregate Diminished Collision or Limited Collision Deductible, per eligible vehicle. The Diminished Collision or Limited Collision Deductible will be applicable to all “losses” during the policy term to which the Collision or Limited Collision Deductible would otherwise apply. Once a “loss” has occurred, a new qualification period begins, and the Collision or Limited Collision Deductible amount shown on the Coverage Selections Page (per vehicle) will be restored in full, effective the inception of the policy term immediately following the term in which the “loss” occurred. All other provisions of this policy apply.

91-4MA (04/08) Page 1 of 2

PERSONAL AUTO SPECIAL PROVISIONS

MASSACHUSETTS For no additional premium, we agree to provide these additional coverages. However, with respect to this endorsement, all provisions of the Massachusetts Automobile Insurance Policy to which it is attached apply, except as modified herein. I. New Car Replacement Coverage This coverage applies only if the Coverage Selections Page indicates that Collision (Part 7) or Limited Collision (Part 8) and/or Comprehensive (Part 9) coverage applies to your auto. If your auto is stolen, this coverage applies only if Comprehensive (Part 9) coverage applies to your auto.

A. Definitions

For the purpose of this coverage the following definitions are added: 1. “New” means not previously titled under the motor vehicle laws of any state.

“New” does not apply to a substitute or non-owned vehicle. “New” does not apply to a leased vehicle. “New” does not apply to a motorcycle, motor home or trailer.

2. “Total loss” means a loss in which the cost to repair the vehicle to its pre-loss condition plus salvage

value equals or exceeds the Actual Cash Value.

B. New Car Replacement Features The New Car Replacement Coverage applies if a covered total loss occurs to your auto and:

1. Your auto is new; and 2. The total loss occurred within 12 months of the vehicle’s purchase date; and 3. The total loss occurred within the vehicle’s first 15,000 miles as shown on the odometer.

We will pay, less the deductible, the cost in cash we can negotiate for a new vehicle. The new vehicle will be of the same year, make, model, and optional equipment as your auto that is a total loss. If such vehicle is unavailable, we will pay, less the deductible, the cost in cash we can negotiate for an available vehicle. Such available vehicle will be similar in class and body type to the year, make, model, and optional equipment as your auto that is a total loss or is stolen.

C. Conditions

1. Our liability for any loss will not exceed the MSRP of the vehicle of the same year, make, model, and equipment as the damaged vehicle.

2. We will pay for “customized equipment” only as described in the policy or policy endorsements.

II. Enhanced Substitute Transportation Coverage

The provisions and exclusions applicable to Substitute Transportation (Part 10) are amended by this endorsement as follows:

91-4MA (04/08) Page 2 of 2

Enhanced Substitute Transportation Coverage applies only if:

1. A covered loss occurs to your auto; and 2. Your auto is withdrawn from use for more than 24 hours. In the event of a theft, the vehicle must

have been reported missing for at least 48 hours. 3. Substitute Transportation Coverage applies to your auto. 4. Your auto is not a motor home. 5. Your auto is not a motorcycle.

1. Allow us to make the rental car arrangements with a rental car provider of our choice; and 2. Repair all the damage to your auto at a repair shop approved by us; then

We will pay for the rental car until completion of the repairs of the damage to your auto. If you require a vehicle which exceeds the daily limit you purchased, and we arrange for a rental with a rental car provider of our choice, you will only have to pay the difference between the expense of the vehicle you choose and the daily limit you purchased. All other provisions of Substitute Transportation (Part 10) apply.

III. Enhanced Towing and Labor

The provisions and exclusions applicable to Towing and Labor (Part 11) are modified by this endorsement as follows:

This coverage applies when Towing and Labor coverage applies to your auto. This coverage does not apply if your auto is a motor home or motorcycle.

At your option, if you choose to call the Peerless Insurance Company toll free Roadside Assistance number, we will pay the cost to tow your auto if you allow us to make arrangements to tow your auto to the nearest repair facility approved by us. All other provisions of Towing and Labor (Part 11) apply.

IV. Mechanical Parts Replacement Cost Coverage

The provisions and exclusions applicable to Collision (Part 7) or Limited Collision (Part 8) and/or Comprehensive (Part 9) are modified by this endorsement as follows: This coverage applies when Collision (Part 7), Limited Collision (Part 8) or Comprehensive (Part 9) coverage applies to your auto and there is a covered loss to your auto. This coverage does not apply if your auto is a motor home or motorcycle. In the event that your auto has a covered loss and there is damage to mechanical non-body related parts of your auto, we will not apply depreciation to replace those damaged mechanical non-body related parts. All other provisions of Collision (Part 7) or Limited Collision (Part 8) and Comprehensive (Part 9) apply.

Includes copyrighted material of Insurance Services Office, Inc., with its permission.

91-40MA (04/08) Page 1 of 7

PERSONAL AUTO ULTRA PLUS SPECIAL PROVISIONS

MASSACHUSETTS For an additional premium, we agree to provide these additional coverages. However, with respect to this endorsement, all provisions of the Massachusetts Automobile Insurance Policy to which it is attached apply, except as modified herein. Premium for this endorsement is included in the Total Premium.

DEFINITIONS

Under the definition section of “Your Auto”, the following revisions apply: 5. C. is replaced by the following: A private passenger auto, trailer, motorcycle, pick-up truck, van or similar vehicle, to which you take title or lease as a permanent replacement for a described auto or as an additional auto. We provide coverage for an additional auto only if you ask us to insure it within forty five days after you take title or the effective date of the lease. For any coverage provided in this policy except for Comprehensive and Collision and Limited Collision, an additional auto will have the broadest coverage we now provide for any auto shown in the Coverage Selection page. In order for Collision or Limited Collision Coverage to apply you must ask us to insure it within 7 days after you take title or the effective date of the lease. In order for Comprehensive Coverage to apply you must ask us to insure it within 7 days after you take title or the effective date of the lease. If a replacement or additional auto is a pick-up truck, van or similar vehicle, it must not be used for delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining or repairing furnishings or equipment. Under Parts 1, 2, 3, 4, 5 and 6, the term your auto also includes any trailer not described on the Coverage Selections Page as covered under those Parts.

PART 4. DAMAGE TO SOMEONE ELSE’S PROPERTY

Part 4. Item 6. is amended and replaced by the following: We will not pay for property damage which occurs: To an auto owned by you or the legally responsible person. Similarly, we will not pay for damage to an auto except for a private residence or garage, which you or the legally responsible person rents or has in his or her care.

PART 5. OPTIONAL BODILY INJURY TO OTHERS

Under Part 5, “Optional Bodily Injury to Others”, the following revision applies: We will also pay up to $1,000 for the cost of bail bonds required as a result of an accident covered under this Part including bail bonds for traffic violations related to the accident.

Under Part 6. Medical Payments, the following paragraphs are added:

91-40MA (04/08) Page 2 of 7

A. If you or a household member die within three years of the accident because of injury sustained in the accident,

we will pay:

1. The unused part of the Medical Payments Coverage Limit of Liability; and 2. $2,000 for each such death in addition to the Medical Payments Coverage Limit of Liability;

B. In addition to the Medical Payments Coverage Limit of Liability provided under this policy, we will pay on your

behalf up to $10,000 for reasonable expenses of others. Such reasonable expenses must be: 1. Caused by accident; 2. Incurred as a result of “bodily injury” caused by you; 3. For immediate, necessary medical and surgical treatment; 4. Incurred at the time of the accident; and 5. Sustained by others. Others as used in this paragraph (B.) means any person except you. Payment under this paragraph (B.) is not an admission of liability by you or us.

C. In the event of a covered accident, we will double the Medical Payments Coverage Limit of Liability as shown on

the Coverage Selections Page subject to the following:

1. All occupants of your auto were wearing full safety belts at the time of the accident; and 2. Any payment we make under this paragraph (C.) is subject to a maximum limit of liability increase of $10,000.

PART 7. COLLISION, 8. LIMITED COLLISION and 9. COMPREHENSIVE

I. New Car Replacement Coverage This coverage applies only if the Coverage Selections Page indicates that Collision (Part 7) or Limited Collision (Part 8) and/or Comprehensive (Part 9) coverage applies to your auto. If your auto is stolen, this coverage applies only if Comprehensive (Part 9) coverage applies to your auto.

A. Definitions

For the purpose of this coverage the following definitions are added: 1. “New” means not previously titled under the motor vehicle laws of any state.

“New” does not apply to a substitute or non-owned vehicle.

“New” does not apply to a leased vehicle. “New” does not apply to a motorcycle, motor home or trailer.

2. “Total loss” means a loss in which the cost to repair the vehicle to its pre-loss condition plus salvage

value equals or exceeds the Actual Cash Value.

91-40MA (04/08) Page 3 of 7

B. New Car Replacement Features The New Car Replacement Coverage applies if a covered total loss occurs to your auto and:

1. Your auto is new; and 2. The total loss occurred within 12 months of the vehicle’s purchase date; and 3. The total loss occurred within the vehicle’s first 15,000 miles as shown on the odometer.

We will pay, less the deductible, the cost in cash we can negotiate for a new vehicle. The new vehicle will be of the same year, make, model, and optional equipment as your auto that is a total loss. If such vehicle is unavailable, we will pay, less the deductible, the cost in cash we can negotiate for an available vehicle. Such available vehicle will be similar in class and body type to the year, make, model, and optional equipment as your auto that is a total loss or is stolen.

C. Conditions

1. Our liability for any loss will not exceed the MSRP of the vehicle of the same year, make, model, and equipment as the damaged vehicle.

2. We will pay for “customized equipment” only as described in the policy or policy endorsements.

MECHANICAL PARTS REPLACEMENT COST COVERAGE

The provisions and exclusions applicable to Collision (Part 7) or Limited Collision (Part 8) and/or Comprehensive (Part 9) are modified by this endorsement as follows: This coverage applies when Collision (Part 7), Limited Collision (Part 8) or Comprehensive (Part 9) coverage applies to your auto and there is a covered loss to your auto. This coverage does not apply if your auto is a motor home or motorcycle. In the event that your auto has a covered loss and there is damage to mechanical non-body related parts of your auto, we will not apply depreciation to replace those damaged mechanical non-body related parts. All other provisions of Collision (Part 7) or Limited Collision (Part 8) and Comprehensive (Part 9) apply.

OTHER PHYSICAL DAMAGE ENHANCEMENTS In the event of a covered loss under Parts 7, 8 and or 9, these deductible waivers apply: 1. Multiple Vehicle/Same Loss. If loss to more than one of your autos or non-owned auto results from the same

Collision, Limited Collision or Comprehensive, we will adjust the loss to each vehicle separately. However, only the highest of the otherwise applicable multiple deductibles will apply.

2. Not At Fault Accidents. If there is a covered loss under Collision or Limited Collision Coverage to your auto or

any non-owned auto for which we have determined that you are not at fault, we will not apply any otherwise applicable Deductible if the driver of the other vehicle is identified.

3. Declared Total Loss. If there is a covered loss under Comprehensive Coverage to your auto or any non-owned

auto, we will not apply any otherwise applicable Deductible if we declare a total loss. 4. Safety Glass. We will pay under Comprehensive Coverage for the cost of repairing or replacing damaged safety

glass on your auto without a deductible. We will pay only if the Coverage Selections Page indicates that Comprehensive Coverage applies to that auto.

5. Telephones. If there is a covered loss to a permanently installed telephone or a mobile telephone, we will not

apply the otherwise applicable Comprehensive, Collision or Limited Collision Deductible.

91-40MA (04/08) Page 4 of 7

1. Emergency Travel Expenses. We will reimburse, without application of a deductible, up to $100 for any one occurrence for emergency travel expenses to get you or any household member home or to a destination made necessary due to a covered loss to your auto or any non-owned auto.

2. Trip Interruption Coverage. We will pay, without application of a deductible, up to a maximum limit of $600 for reasonable:

a. Transportation expenses incurred by you in the event of a mechanical or electrical breakdown of your

auto. b. Expenses incurred by you for lodging and meals in the event of:

(1) Direct and accidental loss to your auto caused by collision or comprehensive; or

(2) Mechanical or electrical breakdown of your auto

a. The loss to, or mechanical or electrical breakdown of, your auto occurs more than 100 miles from home; b. Your auto is withdrawn from use for at least 24 hours; and

c. Collision coverage and comprehensive coverage applies to your auto.

Our payment for Trip Interruption Coverage will be limited to that period of time reasonably required to:

a. Resume travel under a prearranged itinerary; or

b. Return home. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Parts 7, 8 and 9 of the policy.

Any insurance we provide with respect to Trip Interruption Coverage shall be excess over any other collectible source of recovery including but not limited to: a. Any coverage provided by:

(1) Vehicle warranties; (2) Automobile clubs; or (3) Mechanical breakdown or similar plans; or

b. Any other source of recovery applicable to the loss. 3. Personal Clothing and Baggage. We will pay, without application of a deductible, up to $600 for any one occurrence for loss to "personal clothing" and "baggage" as a direct result of a covered loss to your auto or any non-owned auto. However, for this coverage to apply to a theft loss, the loss must be a result of:

a. The total theft of; or b. Forcible entry into Your auto or the non-owned auto. If theft loss results from forcible entry, there must be evidence of such entry.

91-40MA (04/08) Page 5 of 7

For purposes of this endorsement, "personal clothing" means wearing apparel that belongs to you or a household member. "Baggage" means bags, suitcases, trunks or valises of a traveler while being used to transport "personal clothing". However, "personal clothing" and "baggage" do not include: a. Items specifically insured, in whole or in part, by this or any other policy; b. Furs or items trimmed with fur; c. Jewelry or watches; or d. Business property, including, but not limited to, samples or merchandise held for sale, consignment,

exhibition or auction.

4. Facilities or Equipment Coverage. We will pay up to $2,000 for a covered loss to Facilities or Equipment designed to be used with the described trailer or motor home while in or attached to the trailer or motor home. This is in addition to any applicable limit of liability that applies to facilities or equipment coverage on or in a trailer or motor home described in the Coverage Selections Page.

1. Facilities or equipment include but are not limited to:

a. Cooking, dining, plumbing, or refrigeration facilities; b. Awnings or cabanas; or

c. Any other facilities or equipment designed to be used with a trailer or motor home.

We will pay for loss caused by:

1. Comprehensive only if the Coverage Selections Page indicates that comprehensive coverage is provided for

that trailer or motor home.

2. Collision only if the coverage selections page indicates that collision coverage is provided for that trailer or motor home.

5. Auto Loan/Lease Coverage. In the event that we declare a covered total loss to your auto, we will pay any unpaid amount due on the lease or loan for your auto less:

a. The amount paid under Part 7, 8,and 9 under the policy; and b. Any:

(1) Overdue lease/loan payments at the time of the loss; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high

mileage; (3) Security deposits not refunded by a lessor; (4) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance

purchased with the loan or lease; and (5) Carry-over balances from previous loans or leases.

91-40MA (04/08) Page 6 of 7

6. Emergency Lockout Reimbursement Coverage. We will reimburse, without application of a deductible, up to $100 for any one occurrence to cover your actual expenses incurred when a locksmith must be called to:

a. Open your auto because the keys are locked inside the auto; or b. Make a key for your auto because the key has been lost or stolen.

7. Accidental Loss to Media. Coverage for the accidental loss to tapes, records, discs or other media used with

electronic equipment is added if the property is:

a. Your's or a household member's; and b. In or upon your auto or any non-owned auto

DEFINED LIMITS FOR OTHER PHYSICAL DAMAGE ENHANCEMENTS

Unless otherwise stated, our limit of liability for loss will be the lesser of the:

1. Actual cash value of the stolen or damaged property; or 2. Amount necessary to repair or replace the property with other property of like kind and quality.

1. Any “non-owned auto” which is a trailer is $5,000; 2. Tapes, records, discs or other media, without application of a deductible, is $1,000; or

All other provisions of this policy apply.

PART 10. SUBSTITUTE TRANSPORTATION

ENHANCED SUBSTITUTE TRANSPORTATION COVERAGE The provisions and exclusions applicable to Substitute Transportation (Part 10) are amended by this endorsement as follows: Enhanced Substitute Transportation Coverage applies only if:

1. A covered loss occurs to your auto; and 2. Your auto is withdrawn from use for more than 24 hours. In the event of a theft, the vehicle must have been

reported missing for at least 48 hours. 3. Substitute Transportation Coverage applies to your auto. 4. Your auto is not a motor home. 5. Your auto is not a motorcycle.

1. Allow us to make the rental car arrangements with a rental car provider of our choice; and 2. Repair all the damage to your auto at a repair shop approved by us; then

91-40MA (04/08) Page 7 of 7

We will pay for the rental car until completion of the repairs of the damage to your auto. If you require a vehicle which exceeds the daily limit you purchased, and we arrange for a rental with a rental car provider of our choice, you will only have to pay the difference between the expense of the vehicle you choose and the daily limit you purchased.

ADDITIONAL SUBSTITUTE TRANSPORTATION COVERAGE Under Part 10. Substitute Transportation Expenses, the following is added: If you do not allow us to make the rental car arrangements with a rental car provider of our choice and repair all the damage to your auto at a repair shop approved by us; then In addition to our limit of liability, the following coverage applies: Transportation Expenses. We will pay:

1. up to an additional $600 over any available limit as shown on the Coverage Selections Page. 2. up to an additional $20 per day in temporary transportation expenses over any available limit as shown on the

Coverage Selections Page.

3. up to an additional $20 per day in loss of use expenses over any available limit as shown on the Coverage Selections Page.

All other provisions of Substitute Transportation (Part 10) apply

PART 11. TOWING AND LABOR

ENHANCED TOWING AND LABOR The provisions and exclusions applicable to Towing and Labor (Part 11) are modified by this endorsement as follows: This coverage applies when Towing and Labor coverage applies to your auto. This coverage does not apply if your auto is a motor home or motorcycle. At your option, if you choose to call the Peerless Insurance Company toll free Roadside Assistance number, we will pay the cost to tow your auto if you allow us to make arrangements to tow your auto to the nearest repair facility approved by us.

EXCESS TOWING AND LABOR If you do not choose to call the Peerless Insurance Company toll free Roadside Assistance number: We will pay up to $50 in addition to the applicable limit of coverage as shown on the coverage selections page. This additional limit of coverage is only applicable if optional towing and labor has been selected.

All other provisions of Towing and Labor (Part 11) apply.

GENERAL PROVISIONS

SUPPLEMENTARY PAYMENTS Loss of Earnings for attending hearings and trials Item 3.C. is replaced as follows: Up to $300 a day for loss of earnings, but not for loss of other income to any person covered under this policy who, at our request, attends hearings or trials relating to a claim under this policy.

Superseded Schedule Items Please note that all items on the following pages are items, which have been replaced by a newer version. The newest version is located with the appropriate scheduleon previous pages. These items are in date order with most recent first.

Creation Date

Schedule Item

Status Schedule Schedule Item Name

Replacement

Creation Date Attached Document(s)10/28/2013 Supporting

DocumentState Submissions List 10/30/2013 State Submission List_Revised.pdf

(Superceded)10/28/2013 Supporting

DocumentForm Utilization List 10/30/2013 Form Utilization List_Revised.pdf

DocumentAnnotated Comparison 10/28/2013 L&D Mock v1.pdf

ROC Mock v1.pdf10/07/2013 Form Auto Enhanced Coverage Endorsement-

Ultra12/23/2013 SA_2824MAEP_032014_f.pdf

(Superceded)10/07/2013 Form Diminishing Collision or Limited Collision

Deductible-Massachusetts12/23/2013 SA_2939MAEP_032014_f.pdf

(Superceded)10/07/2013 Rate Rate Manual 10/23/2013 L&D Proof.pdf (Superceded)10/07/2013 Rate Rate Manual 10/23/2013 ROC Proof.pdf (Superceded)10/07/2013 Form Auto Enhanced Coverage Endorsement 12/23/2013 SA_2823MAEP_032014_f.pdf

DocumentState Submissions List 10/28/2013 State Submission List.pdf

DocumentAnnotated Comparison 10/23/2013 ROC Mock.pdf (Superceded)

L&D Mock.pdf (Superceded)09/17/2013 Supporting

DocumentForm Utilization List 10/28/2013 Form Utilization List.pdf

(Superceded)

SERFF Tracking #: LBPM-129207526 State Tracking #: 13OCT09-526 Company Tracking #: 2013-MA-AUTO-RRF-3326

State: Massachusetts Filing Company: Safeco Insurance Company of America

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)

Product Name: Auto (SOA)

Project Name/Number: MA Auto PIC Renewal Conversion/2013-MA-Auto-RRF-3326

PDF Pipeline for SERFF Tracking Number LBPM-129207526 Generated 01/28/2014 12:31 PM

MASSACHUSETTS DIVISION OF INSURANCE STATE SUBMISSIONS LIST

PFR-SSL (01/12)

INSTRUCTIONS: Please indicate the following regarding the materials submitted in this filing: - In the Submitted column, an X for each state in which the materials have been filed; - In the Approved column, an X for each state in which the materials have already been approved; - In the Disapproved column, an X for each state that has disapproved the submitted materials.

Please include the reasons for any Disapprovals in the Comment section of the SERFF component. Please note that the Massachusetts Division of Insurance uses this information to help prioritize incoming filings, as well as to highlight areas that may require managerial level review. _________________________________________________________________________________________________________________________________ Please enter the product name as filed. State Submitted Approved Disapproved Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana

State Submitted Approved Disapproved Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Washington, DC Other Territories

RESET FORM

Auto (SOA)

MASSACHUSETTS DIVISION OF INSURANCE FORM UTILIZATION LIST

PFR-FUL (ed. 01/11)

NOTE: Terms used herein are defined below and an example is provided on the first line for your convenience. INSTRUCTIONS: For filings containing Policy Forms, please provide the requested information for all previously-filed Ancillary Forms to be used with them. Likewise, for filings containing Ancillary Forms, please provide the requested information for all previously-filed Policy Forms with which they will be used. Please do NOT include in this List forms submitted for review in this filing. If your List is extensive, please use the second page as many times as necessary.

For Property and Casualty Filings, these instructions apply also to any forms filed on the Filing Company’s behalf by a rating organization. _________________________________________________________________________________________________________________________________ Please enter the corporate name and nine-digit NAIC number (e.g., 0000-00000) of the First Filing Company. _________________________________________________________________________________________________________________________________ Please enter the product name as filed. Form Name Form Number Disposition Date State/SERFF Tr Num ABC Insurance Benefit Form ABC 0001 (01/10) April 1, 2010 ABCI-123456789 Policy Form: This is equivalent to any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) PCF and CER in Property and Casualty filings, or as B.) POL and CER in Life, Annuity, Credit and Accident & Sickness filings. Ancillary Form: This is equivalent to any form whose Form Type on the SERFF Form Schedule may accurately be described as A.) END, ABE, ERS, DEC and OTH in Property and Casualty filings, or as B.) POLA, CERA, OUT, NOC, DEP, PJK and OTH in Life, Annuity, Credit and Accident & Sickness filings. Disposition Date: This is the date that the Division completed its review of the form and either approved it or placed it on file (or the date a Filing Company adopted the form from a rating organization for its use). Please note that this date may not always be the same as the Effective Date.

Massachusetts Automobile Insurance Policy

May 15, 2013

Automobile

LBRM-128692842

SA-2890/MAEP 3/13

SAFECO Insurance Company of America - NAIC 111-2470

RESET FORM

AUTO ENHANCED COVERAGE ENDORSEMENT — ULTRA

DEFINITIONS

Under the definition section of “Your Auto”, thefollowing revisions apply:

5. C. is replaced by the following:

A private passenger auto, trailer, pick-up truck,van or similar vehicle, to which you take title orlease as a permanent replacement for a describedauto or as an additional auto. We providecoverage for an additional auto only if you ask usto insure it within forty five days after you take titleor the effective date of the lease. For anycoverage provided in this policy except forComprehensive and Collision and LimitedCollision, an additional auto will have the broadestcoverage we now provide for any auto shown inthe Coverage Selection page.

In order for Collision or Limited Collision Coverageto apply you must ask us to insure it within 7 daysafter you take title or the effective date of thelease.

In order for Comprehensive Coverage to applyyou must ask us to insure it within 7 days afteryou take title or the effective date of the lease.

If a replacement or additional auto is a pick-uptruck, van or similar vehicle, it must not be usedfor delivery or transportation of goods or materialsunless such use is incidental to your business ofinstalling, maintaining or repairing furnishings orequipment.

Under Parts 1, 2, 3, 4, 5 and 6, the term yourauto also includes any trailer not described onthe Coverage Selections Page as covered underthose Parts.

PART 4. DAMAGE TO SOMEONE ELSE’SPROPERTY

Part 4. Item 6. is amended and replaced by thefollowing:

We will not pay for property damage whichoccurs:

To an auto owned by you or the legallyresponsible person. Similarly, we will not pay fordamage to an auto except for a private residenceor garage, which you or the legally responsibleperson rents or has in his or her care.

Under Part 6. Medical Payments, the followingparagraphs are added:

A. If you or a household member die withinthree years of the accident because of injurysustained in the accident, we will pay:

1. The unused part of the MedicalPayments Coverage Limit of Liability;and

2. $2,000 for each such death in additionto the Medical Payments Coverage Limitof Liability;

B. In the event of a covered accident, we willdouble the Medical Payments Coverage Limitof Liability as shown on the CoverageSelections Page subject to the following:

1. All occupants of your auto werewearing full safety belts at the time ofthe accident; and

2. Any payment we make under thisparagraph (B.) is subject to a maximumlimit of liability increase of $10,000.

A. Definitions

3. The total loss occurred within thevehicle’ s first 15,000 miles as shown onthe odometer.

C. Conditions

OTHER PHYSICAL DAMAGE ENHANCEMENTS

In the event of a covered loss under Parts 7, 8and or 9, these deductible waivers apply:

If there is a covered loss under Collision orLimited Collision Coverage to your auto or anynon-owned auto for which we have determinedthat you are not at fault, we will not apply anyotherwise applicable Deductible if the driver of theother vehicle is identified.

If there is a covered loss under ComprehensiveCoverage to your auto or any non-owned auto,we will not apply any otherwise applicableDeductible if we declare a total loss.

We will pay under Comprehensive Coverage forthe cost of repairing or replacing damaged safetyglass on your auto without a deductible. We will

pay only if the Coverage Selections Pageindicates that Comprehensive Coverage appliesto that auto.

If there is a covered loss to a permanentlyinstalled telephone or a mobile telephone, wewill not apply the otherwise applicableComprehensive, Collision or Limited CollisionDeductible.

We will reimburse, without application of adeductible, up to $100 for any one occurrence foremergency travel expenses to get you or anyfamily member home or to a destination madenecessary due to a covered loss to your auto orany non-owned auto.

We will pay, without application of a deductible, upto a maximum limit of $600 for reasonable:

1. Transportation expenses incurred byyou in the event of a mechanical orelectrical breakdown of your auto.

2. Expenses incurred by you for lodgingand meals in the event of:

a. Direct and accidental loss to yourauto caused by collision orcomprehensive loss; or

b. Mechanical or electrical breakdownof your auto

1. The loss to, or mechanical or electricalbreakdown of, your auto occurs morethan 100 miles from home;

2. Your auto is withdrawn from use for atleast 24 hours; and

3. Collision coverage and comprehensivecoverage applies to your auto.

Our payment for Trip Interruption Coverage will belimited to that period of time reasonably requiredto:

a. Resume travel under a prearrangeditinerary; or

b. Return home.

No one will be entitled to receive duplicatepayments for the same elements of loss underthis coverage and Parts 7, 8 and 9 of the policy.

Any insurance we provide with respect to TripInterruption Coverage shall be excess over anyother collectible source of recovery including butnot limited to:

1. Any coverage provided by:

a. Vehicle warranties;

b. Automobile clubs; or

c. Mechanical breakdown or similarplans; or

2. Any other source of recovery applicableto the loss.

We will pay, without application of a deductible, upto $600 for any one occurrence for loss topersonal clothing and baggage as a direct resultof a covered loss to your auto or any non-ownedauto. However, for this coverage to apply to atheft loss, the loss must be a result of:

1. The total theft of; or

2. Forcible entry into

Your auto or the non-owned auto. If theftloss results from forcible entry, there must beevidence of such entry.

For purposes of this endorsement, personalclothing means wearing apparel thatbelongs to you or a household member.Baggage means bags, suitcases, trunks orvalises of a traveler while being used totransport personal clothing. However,personal clothing and baggage do notinclude:

1. Items specifically insured, in whole or inpart, by this or any other policy;

2. Furs or items trimmed with fur;

3. Jewelry or watches; or

4. Business property, including, but notlimited to, samples or merchandise heldfor sale, consignment, exhibition orauction.

In the event that we declare a covered total loss toyour auto, we will pay any unpaid amount due onthe lease or loan for your auto less:

1. The amount paid under Part 7, 8 and 9under the policy; and

2. Any:

a. overdue lease/loan payments at thetime of the loss;

b. financial penalties imposed under alease for excessive use, abnormalwear and tear or high mileage;

c. security deposits not refunded by alessor;

d. costs for extended warranties,Credit Life Insurance, Health,Accident or Disability Insurancepurchased with the loan or lease;and

e. carry-over balances from previousloans or leases.

We will reimburse, without application of adeductible, up to $100 for any one occurrence tocover your actual expenses incurred when alocksmith must be called to:

1. Open your auto because the keys arelocked inside the auto; or

2. Make a key for your auto because thekey has been lost or stolen.

Coverage for the accidental loss to tapes, records,discs or other media used with electronicequipment is added if the property is:

1. Your’s or a household member’s; and

2. In or upon your auto or any non-ownedauto

DEFINED LIMITS FOR OTHER PHYSICALDAMAGE ENHANCEMENTS

Unless otherwise stated, our limit of liability forloss will be the lesser of the:

1. Actual cash value of the stolen ordamaged property; or

2. Amount necessary to repair or replacethe property with other property of likekind and quality.

1. Any “non-owned auto” which is a traileris $5,000;

2. Tapes, records, discs or other media,without application of a deductible, is$1,000; or

GENERAL PROVISIONS AND EXCLUSIONS

ADDITIONAL COSTS WE WILL PAY

Item 3.C. is replaced as follows:

3. Up to $300 a day for loss of earnings,but not for loss of other income to anyperson covered under this policy whoattends hearings or trials at our request.

DIMINISHING COLLISION OR LIMITED COLLISION DEDUCTIBLEMASSACHUSETTS

COLLISION (PART 7) or LIMITED COLLSION (PART 8)

The following provision is added:

DIMINISHING COLLISION OR LIMITED COLLISION DEDUCTIBLE:

The Collision or Limited Collision deductible(s) shown on the Coverage Selections Page is/arereduced by $100 each policy term, provided that:

1. At the inception of this policy term, this policy has been free of losses for at least the immediatepreceding renewal term.

2. At the inception of this policy term, all autos eligible for the Diminishing Collision or LimitedCollision Deductible must have continuously maintained Collision or Limited Collision coverage,with a minimum $100 deductible.

After the initial policy term in which the conditions in (1.) and (2.), above have been met, the Collisionor Limited Collision Deductible(s) shown on the Coverage Selections Page will be reduced by anadditional $100 for each full policy term during which there have been no auto losses, for a totalmaximum Collision or Limited Collision Deductible reduction per vehicle of $500.

“Loss” as used in this endorsement means any collision claim, regardless of fault, filed underCollision or Limited Collision Coverage provided by this policy that results in payment, regardless ofthe amount paid, to which the Collision or Limited Collision Deductible or Diminished Collision orLimited Collision Deductible is/are applicable.

If your policy has earned a reduced Collision or Limited Collision Deductible, the CoverageSelections Page will reflect an aggregate Diminished Collision or Limited Collision Deductible, pereligible vehicle. The Diminished Collision or Limited Collision Deductible will be applicable to all“losses” during the policy term to which the Collision or Limited Collision Deductible would otherwiseapply.

Once a loss has occurred, a new qualification period begins, and the Collision or Limited CollisionDeductible amount shown on the Coverage Selections Page (per vehicle) will be restored in full,effective the inception of the policy term immediately following the term in which the loss occurred.

All other provisions of this policy apply.

35000 2.12050000 2.410100000 2.860

500 1.000 500 1.000 300* 1.08750 0.820 750 0.770 500 1.0401000 0.630 1000 0.540 750 0.8561500 0.560 1500 0.430 1000 0.6742000 0.480 2000 0.320 1500 0.6115000 0.350 5000 0.150 2000 0.547

5000 0.420

FACTOR1.1 Auto Enhancement Endorsement Ultra*0.93 BI 0.00100.100 MED 0.26300.700 COMP 0.33400.850 COLL 0.06201.000 Limited COLL 0.06200.840 Total Premium is Sum of above factors0.7980.7580.880 * Grandfathered coverage for converting Peerless Insurance business only.0.7390.7020.6670.7500.6300.5990.5690.7100.5960.5670.5380.6700.5600.5320.5050.6370.5350.5080.483

MASSACHUSETTS

COLLISION LIMITED COLLISION COLLISION WITH WAIVER OF DEDUCTIBLE

2000 250 Glass Ded

750 250 Glass Ded

500 Full Glass

2500 100 Glass Ded

Limited COLL ACE Loss of Use

Driver Factor = = = = = = = = = = =

OEM ****** Round (X,0) +

Auto Enhancement Endorsement Ultra********** Round (X,0) +

********** Grandfathered coverage for converting Peerless Insurance business only. (BI Premium * BI Factor) + (MED Premium * MED Factor) + (COMP Premium * COMP Factor) + (COLL Premium * COLL Factor) + (Limited COLL Premium * Limited COLL Factor)

AUTO ENHANCED COVERAGE ENDORSEMENT

A. Definitions

3. The total loss occurred within thevehicle’s first 15,000 miles as shown onthe odometer.

C. Conditions

1. Our liability for any loss will not exceedthe MSRP of the vehicle of the same

year, make, model, and equipment asthe damaged vehicle.

Limited COLL ACE Loss of Use

Driver Factor = = = = = = = = = = =

OEM ****** Round (X,0) +

Auto Enhancement Endorsement Ultra********** Round (X,0) +

********** Grandfathered coverage for converting Peerless Insurance business only. (BI Premium * BI Factor) + (MED Premium * MED Factor) + (COMP Premium * COMP Factor) + (COLL Premium * COLL Factor) + (Limited COLL Premium * Limited COLL Factor)

35000 2.12050000 2.410100000 2.860

500 1.000 500 1.000 300* 1.08750 0.820 750 0.770 500 1.0401000 0.630 1000 0.540 750 0.8561500 0.560 1500 0.430 1000 0.6742000 0.480 2000 0.320 1500 0.6115000 0.350 5000 0.150 2000 0.547

5000 0.420

FACTOR1.1 BI 0.00100.93 MED 0.26300.100 COMP 0.33400.700 COLL 0.06200.850 Limited COLL 0.06201.0000.8400.7980.758 * Grandfathered coverage for converting Peerless Insurance business only.0.8800.7390.7020.6670.7500.6300.5990.5690.7100.5960.5670.5380.6700.5600.5320.5050.6370.5350.5080.483

750 500 Glass Ded

Auto Enhancement Endorsement Ultra*

Total Premium is Sum of above factors

1500 Full Glass

750 250 Glass Ded

500 Full Glass

2500 100 Glass Ded

LIMITED COLLISION COLLISION WITH WAIVER OF DEDUCTIBLE

MASSACHUSETTS

COLLISION

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