filing at a glance - pennsylvania · 2017-11-30 · reviewer(s): xiaofeng lu (primary), michael...

Filing at a Glance

Company: Insurance Services Office, Inc.

Product Name: PP-2017-BRLA1

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate

Date Submitted: 11/22/2017

SERFF Tr Num: ISOF-131279229

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: PP-2017-BRLA1

Effective DateRequested (New):

05/01/2018

Effective DateRequested (Renewal):

05/01/2018

Author(s): Sheila Lemley, Arlene Byrd, Laura Panesso, Kandy Taccki, Peter Quirk, Victor Armooh, LynnKnauf, Natanella Har-Sinay, Lauren D'Albero, Cheryl Friscia, Sarah Chambers

Reviewer(s): Xiaofeng Lu (primary), Michael McKenney

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: ISOF-131279229 State Tracking #: Company Tracking #: PP-2017-BRLA1

State: Pennsylvania Filing Company: Insurance Services Office, Inc.

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


Project Name/Number: Personal Auto Advisory Prospective Loss Cost Revision/PP-2017-BRLA1

PDF Pipeline for SERFF Tracking Number ISOF-131279229 Generated 11/30/2017 09:25 AM

General Information

Company and Contact

Filing Fees

State Specific

Project Name: Personal Auto Advisory Prospective Loss CostRevision

Status of Filing in Domicile: Not Filed

Project Number: PP-2017-BRLA1 Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 11/24/2017

State Status Changed: 11/24/2017 Deemer Date:

Created By: Kandy Taccki Submitted By: Kandy Taccki

Corresponding Filing Tracking Number:

Filing Description:

This filing revises advisory prospective loss costs and provides the analyses used to derive these advisory loss costs.

Filing Contact InformationPeter Quirk, Regional Director [email protected]

101 Burr Ridge Parkway

Suite 300

Burr Ridge, IL 60527

630-288-2025 [Phone]

Filing Company InformationInsurance Services Office, Inc.

545 Washington Boulevard

Jersey City, NJ 07310-1686

(201) 469-2207 ext. [Phone]

CoCode:

Group Code:

Group Name:

FEIN Number: 13-3131412

State of Domicile: New Jersey

Company Type:Advisory/Rating Organization

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:

*Filing Fee Amount: N/A*Date Filing Fee Mailed: N/A*Filing Fee Check Number: N/A*Filing Fee Check Date: N/A*NAIC Number: N/A







Correspondence Summary Filing NotesSubject Note Type Created By Created On Date SubmittedExcel Exhibits Note To Reviewer Kandy Taccki 11/22/2017 11/22/2017







Note To Reviewer

Created By:

Kandy Taccki on 11/22/2017 12:46 PM

Last Edited By:

Kandy Taccki

Submitted On:

11/22/2017 01:34 PM

Subject:

Excel Exhibits

Comments:

Excel Exhibits







Attachment Pennsylvania PP-2017-BRLA1 Excel Files.xls is not a PDFdocument and cannot be reproduced here.







Rate Information Rate data applies to filing.

Filing Method:

Rate Change Type: Decrease

Overall Percentage of Last Rate Revision: 0.000%

Effective Date of Last Rate Revision: 05/01/2017

Filing Method of Last Filing:

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Insurance Services Office,Inc.

-4.500% -4.500% % %







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 Loss Costs See Attached Replacement PP-2017-BRLA1-PA-Loss

Costs.pdf







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© Insurance Services Office, Inc., 2017 Pennsylvania PP-2017-BRLA1 A-6

INSURANCE SERVICES OFFICE, INC.

PENNSYLVANIA

PERSONAL AUTO INSURANCE

TABLE A4-1

PRESENT AND FILED SEMI-ANNUAL BASE CLASS LOSS COSTS BY TERRITORY

FULL TORT

LIABILITY

PRESENT

FILED

$35,000

BASIC ADDED

$35,000

BASIC ADDED

SINGLE

MEDICAL MEDICAL

SINGLE

MEDICAL MEDICAL

TERRITORY LIMIT 15/30 $5,000 $5,000 $10,000

LIMIT 15/30 $5,000 $5,000 $10,000

CODE LIAB. BI PD FPB FPB LIAB.(A) BI PD FPB FPB

01 $ 263 $ 118 $ 71 $ 79 $ 99

$ 248 $ 107 $ 72 $ 73 $ 91

03 145 31 72 30 39

142 30 71 29 36

05 139 42 58 36 45

132 40 55 35 44

06 138 36 63 39 49

140 35 65 38 48

07 129 31 61 29 36

126 29 61 29 36

08 125 39 51 37 46

121 36 51 36 45

09 147 34 71 37 46

140 31 69 35 44

10 117 28 56 24 30

113 26 55 23 29

12 122 30 57 29 36

120 28 58 29 36

14 299 129 86 108 135

283 121 83 98 123

21 108 32 46 32 40

105 31 45 31 39

22 106 27 49 33 41

103 26 48 31 39

23 106 27 49 29 36

103 25 49 27 34

24 96 29 40 29 36

93 27 40 27 34

25 117 29 55 23 29

115 28 54 21 26

27 98 21 49 19 24

97 20 49 18 23

34 120 30 56 31 39

117 28 56 29 36

38 112 27 53 31 39

108 25 52 31 39

39 110 32 47 33 41

101 29 44 32 40

40 100 22 49 25 31

98 21 49 24 30

41 193 64 76 44 55

190 63 75 42 53

42 173 60 66 51 64

176 60 68 49 61

43 151 45 64 39 49

148 44 63 37 47

45 143 40 63 31 39

145 40 64 30 38

46 120 23 62 28 35

117 22 61 27 34

47 115 25 57 33 41

112 24 56 32 40

48 101 25 47 27 34

99 24 47 25 31

49 105 23 52 30 39

100 21 50 29 36

51 108 32 46 32 40

104 30 45 30 39

52 92 22 44 27 34

91 22 43 26 33

53 86 19 42 25 31

84 19 41 24 30

54 95 21 47 25 31

93 20 46 24 30

55 127 44 48 39 49

123 42 47 36 45

56 109 26 52 26 33

108 25 52 25 32

57 112 25 55 29 36

112 24 56 28 35

58 145 39 65 38 48

141 37 64 35 44

59 120 31 55 34 43

116 30 53 32 40

61 102 25 48 28 35

99 24 47 27 34

70 150 36 71 39 49

148 34 72 38 48

71 94 20 47 26 33 93 19 47 25 32



PENNSYLVANIA


TABLE A4-2


LIMITED TORT

LIABILITY

PRESENT

FILED

$35,000

BASIC ADDED

$35,000

BASIC ADDED

SINGLE

MEDICAL MEDICAL

SINGLE

MEDICAL MEDICAL

TERRITORY LIMIT 15/30 $5,000 $5,000 $10,000

LIMIT 15/30 $5,000 $5,000 $10,000

CODE LIAB. BI PD FPB FPB LIAB. BI PD FPB FPB

01 $ 194 $ 70 $ 71 $ 47 $ 59

$ 187 $ 64 $ 72 $ 43 $ 54

03 128 18 72 18 23

126 18 71 17 21

05 117 25 58 21 27

111 24 55 21 26

06 119 21 63 23 29

121 21 65 22 28

07 112 18 61 17 21

110 17 61 17 21

08 104 23 51 22 27

101 21 51 21 26

09 129 20 71 22 27

123 18 69 21 26

10 102 16 56 14 18

99 15 55 13 16

12 106 18 57 17 21

105 16 58 17 21

14 225 77 86 64 80

214 72 83 58 73

21 91 19 46 19 24

89 18 45 18 23

22 92 16 49 19 24

89 15 48 18 23

23 92 16 49 17 21

90 15 49 16 20

24 80 17 40 17 21

79 16 40 16 20

25 102 17 55 13 17

99 16 54 12 15

27 87 12 49 11 14

87 12 49 10 13

34 105 18 56 18 23

102 16 56 17 21

38 98 16 53 18 23

95 15 52 18 23

39 93 19 47 19 24

86 17 44 19 24

40 88 13 49 15 18

87 12 49 14 18

41 159 38 76 26 33

157 37 75 25 31

42 142 36 66 30 38

145 36 68 29 36

43 128 27 64 23 29

125 26 63 22 28

45 122 24 63 18 23

124 24 64 18 22

46 107 13 62 16 21

105 13 61 16 20

47 102 15 57 19 24

99 14 56 19 24

48 88 15 47 16 20

86 14 47 15 18

49 92 13 52 18 23

88 12 50 17 21

51 91 19 46 19 24

89 18 45 18 23

52 81 13 44 16 20

79 13 43 15 19

53 75 11 42 15 18

74 11 41 14 18

54 84 12 47 15 18

82 12 46 14 18

55 103 26 48 23 29

101 25 47 21 26

56 95 15 52 15 19

95 15 52 15 19

57 99 15 55 17 21

99 14 56 16 20

58 124 23 65 22 28

121 22 64 21 26

59 103 18 55 20 25

100 18 53 19 24

61 89 15 48 16 21

86 14 47 16 20

70 130 21 71 23 29

130 20 72 22 28

71 84 12 47 15 19 82 11 47 15 19



PENNSYLVANIA


TABLE A4-3


PHYSICAL DAMAGE(A)

PRESENT

FILED

TERRITORY

$500 DED.

$500 DED.

$500 DED.

$500 DED.

CODE COMPREHENSIVE COLLISION COMPREHENSIVE COLLISION

01

$ 37

$ 231

$ 35

$ 215

03

25

160

24

152

05

30

153

27

135

06

29

163

30

156

07

25

145

27

140

08

26

141

27

130

09

28

158

28

146

10

35

138

32

135

12

25

137

25

129

14

33

253

30

235

21

51

146

51

138

22

38

142

37

129

23

35

131

34

122

24

89

152

86

138

25

24

138

22

128

27

25

123

26

118

34

41

144

38

135

38

40

140

39

129

39

54

137

52

127

40

32

128

32

120

41

25

177

24

169

42

24

160

22

151

43

32

153

31

140

45

39

163

38

155

46

27

147

25

135

47

39

152

36

141

48

69

134

69

125

49

63

146

61

128

51

54

134

53

127

52

63

139

61

123

53

58

129

58

118

54

83

145

82

130

55

63

168

60

152

56

60

156

59

136

57

38

156

37

144

58

27

153

24

145

59

35

147

32

136

61

37

141

39

128

70

27

172

27

161

71 51 137 52 134

(A) Model Year 2019, Symbol 11



PENNSYLVANIA PERSONAL AUTO INSURANCE

PRESENT UNINSURED MOTORISTS SEMI-ANNUAL LOSS COSTS

STACKED COVERAGE

PVM Rule 14.A. Uninsured Motorists Coverage

SPLIT LIMITS STACKED UM COVERAGE BASIC LIMITS - Charge the loss costs per registered auto

displayed below depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.

STACKED COVERAGE Tort Option

Full Tort Limited Tort Coverage Territory Single Car Multi-Car Per Car Single Car Multi-Car Per Car Present Filed Present Filed Present Filed Present Filed $15,000/30,000 01, 14 $ 24.36 $ 22.59 $ 30.34 $ 29.03 $ 14.48 $ 13.43 $ 18.04 $ 17.26 Bodily Injury UM 41, 42

5.82 5.55 7.25 7.13 3.46 3.30 4.31 4.24

All Others 2.20 2.03 2.75 2.61 1.31 1.21 1.64 1.55





STACKED COVERAGE


SPLIT LIMITS STACKED UM COVERAGE INCREASED LIMITS - Add the following additional loss

cost to the $15,000/30,000 stacked coverage loss cost depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.


Full Tort Limited Tort Total Limits (per car) Single Car Multi-Car Per Car Single Car Multi-Car Per Car Territories 01, 14 Present Filed Present Filed Present Filed Present Filed

$ 20/40 $ 4.64 $ 4.30 $ 4.43 $ 4.17 $ 2.76 $ 2.56 $ 2.63 $ 2.48 25/50 8.53 7.90 8.11 7.65 5.07 4.70 4.82 4.55 35/35 12.43 11.52 12.25 11.57 7.39 6.85 7.28 6.88

50/100 22.18 20.56 20.07 18.75 13.19 12.22 11.93 11.15 100/200 37.77 35.02 30.57 28.22 22.46 20.82 18.18 16.78 100/300 38.01 35.24 30.76 28.39 22.60 20.95 18.29 16.88 250/500 56.53 52.41 40.90 37.71 33.61 31.16 24.32 22.42 300/300 58.48 54.22 42.66 39.36 34.77 32.24 25.37 23.40 500/500 66.03 61.22 48.78 45.04 39.26 36.40 29.00 26.78

500/1,000 66.52 61.68 48.96 45.21 39.55 36.67 29.11 26.88 1,000/1,000 76.76 71.17 55.65 51.17 45.64 42.32 33.09 30.43

Territories 41, 42 Present Filed Present Filed Present Filed Present Filed

$ 20/40 $ 1.11 $ 1.05 $ 1.06 $ 1.02 $ 0.66 $ 0.62 $ 0.63 $ 0.61 25/50 2.04 1.93 1.93 1.87 1.21 1.15 1.15 1.11 35/35 2.97 2.82 2.93 2.83 1.77 1.68 1.74 1.68

50/100 5.30 5.04 4.79 4.60 3.15 3.00 2.85 2.74 100/200 9.02 8.60 7.31 6.92 5.36 5.11 4.35 4.11 100/300 9.08 8.65 7.36 6.96 5.40 5.14 4.38 4.14 250/500 13.51 12.86 9.78 9.26 8.03 7.65 5.82 5.51 300/300 13.97 13.30 10.20 9.65 8.31 7.91 6.06 5.74 500/500 15.78 15.02 11.66 11.05 9.38 8.93 6.93 6.57

500/1,000 15.90 15.13 11.70 11.09 9.45 9.00 6.96 6.59 1,000/1,000 18.34 17.46 13.30 12.56 10.90 10.38 7.91 7.47

All Other Territories Present Filed Present Filed Present Filed Present Filed

$ 20/40 $ 0.42 $ 0.39 $ 0.40 $ 0.37 $ 0.25 $ 0.23 $ 0.24 $ 0.22 25/50 0.77 0.71 0.73 0.68 0.46 0.42 0.43 0.40 35/35 1.13 1.03 1.10 1.04 0.67 0.61 0.65 0.62

50/100 2.01 1.84 1.81 1.68 1.20 1.09 1.08 1.00 100/200 3.42 3.15 2.76 2.53 2.03 1.87 1.64 1.50 100/300 3.44 3.17 2.78 2.55 2.05 1.88 1.65 1.52 250/500 5.12 4.70 3.69 3.39 3.04 2.79 2.19 2.02 300/300 5.29 4.87 3.85 3.53 3.15 2.90 2.29 2.10 500/500 5.98 5.50 4.40 4.05 3.56 3.27 2.62 2.41

500/1,000 6.02 5.54 4.42 4.06 3.58 3.29 2.63 2.41 1,000/1,000 6.94 6.40 5.03 4.60 4.13 3.81 2.99 2.74





NON-STACKED COVERAGE


SPLIT LIMITS NON-STACKED UM COVERAGE BASIC LIMITS - Charge the loss costs per

registered auto displayed below depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.

NON-STACKED COVERAGE Tort Option

Full Tort Limited Tort Coverage Territory Single Car Multi-Car Per Car Single Car Multi-Car Per Car Present Filed Present Filed Present Filed Present Filed $15,000/30,000 01, 14 $ 23.77 $ 22.04 $ 19.02 $ 17.63 $ 14.13 $ 13.10 $ 11.31 $ 10.48 Bodily Injury UM 41, 42

5.68 5.41 4.54 4.33 3.38 3.22 2.70 2.57

All Others 2.15 1.98 1.72 1.58 1.28 1.18 1.02 0.94







SPLIT LIMITS NON-STACKED UM COVERAGE INCREASED LIMITS - Add the following

additional loss cost to the $15,000/30,000 non-stacked coverage loss cost depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.


Full Tort Limited Tort Total Limits (per car) Single Car Multi-Car Per Car Single Car Multi-Car Per Car

Territories 01, 14 Present Filed Present Filed Present Filed Present Filed $ 20/40 $ 4.52 $ 4.19 $ 3.61 $ 3.35 $ 2.69 $ 2.49 $ 2.15 $ 1.99 25/50 8.32 7.71 6.65 6.17 4.95 4.58 3.95 3.67 35/35 12.12 11.24 9.69 8.99 7.21 6.68 5.76 5.35

50/100 21.63 20.06 17.30 16.05 12.86 11.93 10.29 9.54 100/200 36.84 34.16 29.47 27.33 21.91 20.31 17.52 16.25 100/300 37.08 34.38 29.66 27.51 22.05 20.44 17.64 16.36 250/500 55.15 51.13 44.12 40.91 32.79 30.40 26.23 24.33 300/300 57.05 52.90 45.64 42.32 33.92 31.45 27.14 25.16 500/500 64.42 59.73 51.53 47.79 38.30 35.52 30.64 28.42

500/1,000 64.89 60.17 51.91 48.14 38.58 35.78 30.87 28.62 1,000/1,000 74.88 69.43 59.90 55.55 44.52 41.28 35.62 33.03


$ 20/40 $ 1.08 $ 1.03 $ 0.87 $ 0.82 $ 0.64 $ 0.61 $ 0.52 $ 0.49 25/50 1.99 1.89 1.60 1.51 1.18 1.12 0.95 0.90 35/35 2.90 2.76 2.32 2.21 1.72 1.64 1.38 1.31

50/100 5.17 4.92 4.14 3.93 3.07 2.93 2.46 2.34 100/200 8.80 8.39 7.04 6.71 5.23 4.99 4.19 3.99 100/300 8.86 8.44 7.09 6.75 5.27 5.02 4.22 4.01 250/500 13.18 12.55 10.55 10.04 7.84 7.46 6.27 5.97 300/300 13.63 12.98 10.91 10.38 8.10 7.72 6.49 6.17 500/500 15.39 14.66 12.32 11.73 9.15 8.72 7.33 6.97

500/1,000 15.51 14.77 12.41 11.81 9.22 8.78 7.38 7.02 1,000/1,000 17.89 17.04 14.32 13.63 10.64 10.13 8.51 8.10


$ 20/40 $ 0.41 $ 0.38 $ 0.33 $ 0.31 $ 0.24 $ 0.23 $ 0.20 $ 0.18 25/50 0.75 0.69 0.60 0.56 0.45 0.41 0.36 0.33 35/35 1.10 1.01 0.88 0.81 0.65 0.60 0.52 0.48

50/100 1.96 1.80 1.57 1.44 1.17 1.07 0.93 0.86 100/200 3.33 3.07 2.66 2.46 1.98 1.83 1.58 1.46 100/300 3.35 3.09 2.68 2.48 1.99 1.84 1.59 1.47 250/500 4.99 4.59 3.99 3.68 2.97 2.73 2.37 2.19 300/300 5.16 4.75 4.13 3.80 3.07 2.82 2.46 2.26 500/500 5.83 5.37 4.66 4.30 3.47 3.19 2.77 2.56

500/1,000 5.87 5.41 4.70 4.33 3.49 3.22 2.79 2.57 1,000/1,000 6.77 6.24 5.42 5.00 4.03 3.71 3.22 2.97





STACKED COVERAGE

PVM Rule 14.A. Uninsured Motorists Coverage SINGLE LIMIT STACKED UM COVERAGE BASIC LIMITS - Charge the loss costs per registered auto displayed below depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.


Full Tort Limited Tort Coverage Territory Single Car Multi-Car Per Car Single Car Multi-Car Per Car Present Filed Present Filed Present Filed Present Filed $35,000 01, 14 $ 36.79 $ 34.11 $ 42.59 $ 40.60 $ 21.88 $ 20.28 $ 25.32 $ 24.14 Single Limit Bodily Injury UM

41, 42

8.79 8.37 10.18 9.96 5.23 4.98 6.05 5.92

All Others 3.33 3.06 3.85 3.65 1.98 1.82 2.29 2.17





STACKED COVERAGE


SINGLE LIMIT STACKED UM COVERAGE INCREASED LIMITS - Add the following additional

loss cost to the $35,000 stacked coverage loss cost depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.


Full Tort Limited Tort Total Limits (per car) Single Car Multi-Car Per Car Single Car Multi-Car Per Car

Territories 01, 14 Present Filed Present Filed Present Filed Present Filed $ 50,000 $ 7.31 $ 6.78 $ 6.42 $ 5.92 $ 4.35 $ 4.03 $ 3.82 $ 3.52 75,000 16.57 15.37 13.25 12.11 9.85 9.14 7.88 7.20

100,000 23.39 21.69 17.48 15.89 13.91 12.90 10.39 9.45 200,000 38.98 36.14 25.79 23.46 23.18 21.49 15.33 13.95 300,000 46.05 42.70 30.41 27.79 27.38 25.39 18.08 16.52 500,000 53.60 49.70 36.53 33.47 31.87 29.55 21.72 19.90

1,000,000 64.33 59.65 43.40 39.60 38.25 35.47 25.81 23.55 Territories 41, 42 Present Filed Present Filed Present Filed Present Filed

$ 50,000 $ 1.75 $ 1.66 $ 1.53 $ 1.46 $ 1.04 $ 0.99 $ 0.91 $ 0.87 75,000 3.96 3.78 3.16 2.98 2.35 2.25 1.88 1.77

100,000 5.59 5.32 4.17 3.91 3.32 3.16 2.48 2.32 200,000 9.31 8.88 6.16 5.77 5.54 5.28 3.66 3.43 300,000 11.00 10.48 7.27 6.82 6.54 6.23 4.32 4.06 500,000 12.81 12.20 8.73 8.22 7.62 7.25 5.19 4.89

1,000,000 15.37 14.64 10.37 9.73 9.14 8.70 6.17 5.79 All Other Territories Present Filed Present Filed Present Filed Present Filed

$ 50,000 $ 0.66 $ 0.61 $ 0.58 $ 0.53 $ 0.39 $ 0.36 $ 0.34 $ 0.32 75,000 1.50 1.39 1.20 1.08 0.89 0.83 0.71 0.64

100,000 2.11 1.95 1.58 1.43 1.25 1.16 0.94 0.85 200,000 3.53 3.25 2.34 2.11 2.10 1.93 1.39 1.25 300,000 4.16 3.84 2.75 2.49 2.47 2.28 1.64 1.48 500,000 4.85 4.47 3.30 3.01 2.88 2.66 1.96 1.79

1,000,000 5.81 5.37 3.93 3.56 3.45 3.19 2.34 2.12







SINGLE LIMIT NON-STACKED UM COVERAGE BASIC LIMITS - Charge the loss costs per

registered auto displayed below depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.


Full Tort Limited Tort Coverage Territory Single Car Multi-Car Per Car Single Car Multi-Car Per Car Present Filed Present Filed Present Filed Present Filed $35,000 01, 14 $ 35.89 $ 33.28 $ 28.71 $ 26.62 $ 21.34 $ 19.79 $ 17.07 $ 15.83 Single Limit Bodily Injury UM

41, 42

8.58 8.17 6.86 6.54 5.10 4.86 4.08 3.89

All Others 3.25 2.99 2.60 2.39 1.93 1.78 1.55 1.42







SINGLE LIMIT NON-STACKED UM COVERAGE INCREASED LIMITS - Add the following

additional loss cost to the $35,000 non-stacked coverage loss cost depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.



$ 50,000 $ 7.13 $ 6.61 $ 5.71 $ 5.29 $ 4.24 $ 3.93 $ 3.40 $ 3.15 75,000 16.17 14.99 12.94 12.00 9.61 8.91 7.69 7.14

100,000 22.82 21.16 18.26 16.93 13.57 12.58 10.86 10.07 200,000 38.03 35.26 30.43 28.21 22.61 20.97 18.09 16.77 300,000 44.93 41.66 35.95 33.33 26.72 24.77 21.38 19.82 500,000 52.30 48.49 41.84 38.80 31.10 28.83 24.88 23.07


$ 50,000 $ 1.70 $ 1.62 $ 1.36 $ 1.29 $ 1.01 $ 0.96 $ 0.81 $ 0.77 75,000 3.86 3.68 3.09 2.94 2.30 2.19 1.84 1.75

100,000 5.45 5.19 4.36 4.15 3.24 3.09 2.59 2.47 200,000 9.08 8.66 7.27 6.92 5.40 5.15 4.32 4.11 300,000 10.73 10.22 8.59 8.17 6.38 6.08 5.11 4.86 500,000 12.49 11.90 10.00 9.52 7.43 7.08 5.95 5.66


$ 50,000 $ 0.64 $ 0.59 $ 0.51 $ 0.47 $ 0.38 $ 0.35 $ 0.30 $ 0.28 75,000 1.46 1.35 1.17 1.08 0.87 0.80 0.70 0.64

100,000 2.06 1.90 1.65 1.52 1.22 1.13 0.98 0.90 200,000 3.44 3.17 2.75 2.54 2.05 1.88 1.64 1.51 300,000 4.06 3.74 3.25 2.99 2.41 2.22 1.93 1.78 500,000 4.73 4.36 3.78 3.49 2.81 2.59 2.25 2.08

1,000,000 5.67 5.23 4.54 4.19 3.37 3.11 2.70 2.49




PRESENT UNDERINSURED MOTORISTS SEMI-ANNUAL LOSS COSTS

STACKED COVERAGE

PVM Rule 14.B. Underinsured Motorists Coverage

SPLIT LIMITS STACKED UIM COVERAGE - For basic and increased limits of Underinsured Motorists

coverage, charge the following loss costs for each auto depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car.



$ 15/30 $ 22.51 $ 20.84 $ 30.46 $ 29.70 $ 13.38 $ 12.39 $ 18.11 $ 17.66 20/40 28.62 26.52 37.77 36.79 17.02 15.77 22.46 21.88 25/50 34.62 32.10 43.97 42.74 20.59 19.09 26.14 25.41 35/35 43.46 40.40 53.26 51.64 25.84 24.02 31.67 30.71

50/100 58.41 54.33 66.68 64.30 34.73 32.30 39.65 38.23 100/200 91.56 85.34 90.57 86.87 54.44 50.74 53.85 51.65 100/300 91.85 85.61 90.61 86.89 54.61 50.90 53.88 51.66 250/500 139.15 130.21 123.70 118.97 82.74 77.42 73.55 70.74 300/300 146.89 137.66 130.70 125.84 87.34 81.85 77.71 74.82 500/500 175.35 164.85 152.88 147.10 104.26 98.02 90.90 87.47

500/1,000 175.95 165.39 153.40 147.49 104.62 98.34 91.21 87.70 1,000/1,000 219.51 207.14 178.59 170.81 130.52 123.17 106.19 101.56


$ 15/30 $ 13.59 $ 13.13 $ 18.39 $ 18.72 $ 8.08 $ 7.81 $ 10.93 $ 11.13 20/40 17.29 16.72 22.80 23.19 10.28 9.94 13.56 13.79 25/50 20.91 20.23 26.55 26.94 12.43 12.03 15.79 16.02 35/35 26.24 25.46 32.15 32.55 15.60 15.14 19.12 19.35

50/100 35.27 34.24 40.25 40.53 20.97 20.36 23.93 24.10 100/200 55.26 53.78 54.67 54.74 32.86 31.98 32.51 32.55 100/300 55.44 53.95 54.68 54.75 32.96 32.08 32.51 32.55 250/500 84.00 82.06 74.67 74.98 49.95 48.79 44.40 44.58 300/300 88.67 86.76 78.90 79.32 52.72 51.59 46.91 47.16 500/500 105.86 103.89 92.29 92.70 62.94 61.77 54.88 55.12

500/1,000 106.20 104.23 92.59 92.96 63.15 61.98 55.05 55.27 1,000/1,000 132.51 130.55 107.80 107.66 78.79 77.63 64.10 64.01


$ 15/30 $ 6.96 $ 6.49 $ 9.41 $ 9.23 $ 4.14 $ 3.86 $ 5.60 $ 5.49 20/40 8.83 8.24 11.66 11.44 5.25 4.90 6.93 6.80 25/50 10.68 9.97 13.58 13.29 6.35 5.93 8.07 7.90 35/35 13.41 12.55 16.44 16.06 7.97 7.46 9.78 9.55

50/100 18.04 16.89 20.59 19.99 10.73 10.04 12.24 11.89 100/200 28.28 26.54 27.96 27.01 16.82 15.78 16.63 16.06 100/300 28.36 26.62 27.97 27.02 16.86 15.83 16.63 16.07 250/500 42.94 40.49 38.19 36.99 25.53 24.08 22.71 21.99 300/300 45.35 42.80 40.34 39.12 26.97 25.45 23.99 23.26 500/500 54.14 51.26 47.19 45.73 32.19 30.48 28.06 27.19

500/1,000 54.32 51.43 47.35 45.86 32.30 30.58 28.15 27.27 1,000/1,000 67.76 64.41 55.13 53.10 40.29 38.30 32.78 31.57







SPLIT LIMIT NON-STACKED UIM COVERAGE - For basic and increased limits of Underinsured Motorists




$ 15/30 $ 20.46 $ 18.94 $ 16.37 $ 15.15 $ 12.17 $ 11.26 $ 9.73 $ 9.01 20/40 26.02 24.11 20.82 19.29 15.47 14.34 12.38 11.47 25/50 31.47 29.18 25.18 23.34 18.71 17.35 14.97 13.88 35/35 39.51 36.73 31.61 29.38 23.49 21.84 18.80 17.47

50/100 53.10 49.39 42.48 39.51 31.57 29.37 25.26 23.49 100/200 83.24 77.58 66.59 62.06 49.49 46.13 39.59 36.90 100/300 83.50 77.83 66.80 62.26 49.65 46.28 39.72 37.02 250/500 126.50 118.37 101.20 94.70 75.22 70.38 60.17 56.31 300/300 133.54 125.15 106.83 100.12 79.40 74.41 63.52 59.53 500/500 159.41 149.86 127.53 119.89 94.79 89.11 75.83 71.29

500/1,000 159.95 150.36 127.96 120.29 95.11 89.40 76.09 71.52 1,000/1,000 199.55 188.31 159.64 150.65 118.65 111.97 94.92 89.58


$ 15/30 $ 12.35 $ 11.94 $ 9.88 $ 9.55 $ 7.34 $ 7.10 $ 5.87 $ 5.68 20/40 15.72 15.20 12.58 12.16 9.35 9.04 7.48 7.23 25/50 19.01 18.39 15.21 14.71 11.30 10.93 9.04 8.75 35/35 23.86 23.14 19.09 18.51 14.19 13.76 11.35 11.01

50/100 32.07 31.13 25.66 24.90 19.07 18.51 15.26 14.81 100/200 50.24 48.90 40.19 39.12 29.87 29.08 23.90 23.26 100/300 50.40 49.05 40.32 39.24 29.97 29.17 23.97 23.33 250/500 76.36 74.60 61.09 59.68 45.40 44.36 36.32 35.49 300/300 80.61 78.87 64.49 63.10 47.93 46.90 38.35 37.52 500/500 96.24 94.45 76.99 75.56 57.22 56.16 45.78 44.93

500/1,000 96.55 94.75 77.24 75.80 57.41 56.34 45.93 45.07 1,000/1,000 120.46 118.68 96.37 94.94 71.63 70.57 57.30 56.45


$ 15/30 $ 6.33 $ 5.90 $ 5.06 $ 4.72 $ 3.76 $ 3.51 $ 3.01 $ 2.81 20/40 8.03 7.49 6.42 5.99 4.77 4.45 3.82 3.56 25/50 9.71 9.06 7.77 7.25 5.77 5.39 4.62 4.31 35/35 12.19 11.41 9.75 9.13 7.25 6.78 5.80 5.43

50/100 16.40 15.36 13.12 12.29 9.75 9.13 7.80 7.31 100/200 25.71 24.12 20.57 19.30 15.29 14.34 12.23 11.48 100/300 25.78 24.20 20.62 19.36 15.33 14.39 12.26 11.51 250/500 39.04 36.81 31.23 29.45 23.21 21.89 18.57 17.51 300/300 41.23 38.91 32.98 31.13 24.52 23.14 19.61 18.51 500/500 49.21 46.60 39.37 37.28 29.26 27.71 23.41 22.17

500/1,000 49.38 46.75 39.50 37.40 29.36 27.80 23.49 22.24 1,000/1,000 61.60 58.55 49.28 46.84 36.63 34.81 29.30 27.85





STACKED COVERAGE


SINGLE LIMIT STACKED UIM COVERAGE - For basic and increased limits of Underinsured Motorists




$ 35,000 $ 43.46 $ 40.40 $ 53.26 $ 51.64 $ 25.84 $ 24.02 $ 31.67 $ 30.71 50,000 56.66 52.76 65.17 62.96 33.69 31.37 38.75 37.44 75,000 74.84 69.71 79.37 76.29 44.50 41.45 47.19 45.36

100,000 89.06 83.04 89.46 85.83 52.96 49.38 53.19 51.03 200,000 126.22 118.05 114.23 109.74 75.05 70.19 67.92 65.25 300,000 146.89 137.66 130.70 125.84 87.34 81.85 77.71 74.82 500,000 175.35 164.85 152.88 147.10 104.26 98.02 90.90 87.47


$ 35,000 $ 26.24 $ 25.46 $ 32.15 $ 32.55 $ 15.60 $ 15.14 $ 19.12 $ 19.35 50,000 34.21 33.24 39.34 39.68 20.34 19.76 23.39 23.59 75,000 45.17 43.94 47.91 48.09 26.86 26.13 28.49 28.59

100,000 53.76 52.34 54.00 54.09 31.97 31.12 32.11 32.16 200,000 76.18 74.39 68.96 69.17 45.30 44.23 41.00 41.13 300,000 88.67 86.76 78.90 79.32 52.72 51.59 46.91 47.16 500,000 105.86 103.89 92.29 92.70 62.94 61.77 54.88 55.12


$ 35,000 $ 13.41 $ 12.55 $ 16.44 $ 16.06 $ 7.97 $ 7.46 $ 9.78 $ 9.55 50,000 17.50 16.40 20.11 19.57 10.41 9.75 11.96 11.64 75,000 23.10 21.67 24.50 23.72 13.74 12.88 14.57 14.10

100,000 27.48 25.82 27.62 26.68 16.34 15.35 16.42 15.86 200,000 38.96 36.70 35.26 34.12 23.17 21.82 20.97 20.29 300,000 45.35 42.80 40.34 39.12 26.97 25.45 23.99 23.26 500,000 54.14 51.26 47.19 45.73 32.19 30.48 28.06 27.19

1,000,000 67.76 64.41 55.13 53.10 40.29 38.30 32.78 31.57







SINGLE LIMIT NON-STACKED UIM COVERAGE - For basic and increased limits of Underinsured

Motorists coverage, charge the following loss costs for each auto depending on (1) whether the risk is a Single Car or a Multi-Car risk, and (2) the tort option selected by the insured. For Multi-Car risks, apply the loss cost to each car including the first car



$ 35,000 $ 39.51 $ 36.73 $ 31.61 $ 29.38 $ 23.49 $ 21.84 $ 18.80 $ 17.47 50,000 51.51 47.96 41.21 38.37 30.63 28.52 24.50 22.81 75,000 68.04 63.37 54.43 50.70 40.46 37.68 32.36 30.15

100,000 80.96 75.49 64.77 60.39 48.14 44.89 38.51 35.91 200,000 114.74 107.32 91.79 85.86 68.22 63.81 54.58 51.05 300,000 133.54 125.15 106.83 100.12 79.40 74.41 63.52 59.53 500,000 159.41 149.86 127.53 119.89 94.79 89.11 75.83 71.29


$ 35,000 $ 23.86 $ 23.14 $ 19.09 $ 18.51 $ 14.19 $ 13.76 $ 11.35 $ 11.01 50,000 31.10 30.22 24.88 24.18 18.49 17.97 14.79 14.38 75,000 41.06 39.94 32.85 31.95 24.41 23.75 19.53 19.00

100,000 48.87 47.59 39.10 38.07 29.06 28.30 23.25 22.64 200,000 69.26 67.63 55.41 54.10 41.18 40.21 32.95 32.17 300,000 80.61 78.87 64.49 63.10 47.93 46.90 38.35 37.52 500,000 96.24 94.45 76.99 75.56 57.22 56.16 45.78 44.93


$ 35,000 $ 12.19 $ 11.41 $ 9.75 $ 9.13 $ 7.25 $ 6.78 $ 5.80 $ 5.43 50,000 15.91 14.91 12.73 11.93 9.46 8.87 7.57 7.09 75,000 21.00 19.70 16.80 15.76 12.49 11.71 9.99 9.37

100,000 24.98 23.47 19.98 18.78 14.85 13.96 11.88 11.17 200,000 35.42 33.36 28.34 26.69 21.06 19.84 16.85 15.87 300,000 41.23 38.91 32.98 31.13 24.52 23.14 19.61 18.51 500,000 49.21 46.60 39.37 37.28 29.26 27.71 23.41 22.17

1,000,000 61.60 58.55 49.28 46.84 36.63 34.81 29.30 27.85


INSURANCE SERVICES OFFICE, INC. Matter underlined is new; matter struck through is deleted.

PERSONAL VEHICLE MANUAL PENNSYLVANIA SEMI-ANNUAL LOSS COSTS

14. MISCELLANEOUS COVERAGES

L. Added First Party Benefits Coverage

Additional Semi-Annual Loss Cost (Per Car)

1. Medical Expense Benefit

Full Tort Limited Tort

Aggregate Limit Single Car Multi-Car Single Car Multi-Car

$ 25,000 $10.10 $9.09 $8.59 $7.73 $6.01 $5.40 $5.11 $4.59 50,000 14.18 12.76 12.05 10.85 8.43 7.59 7.17 6.45 100,000 16.20 14.58 13.77 12.39 9.63 8.67 8.19 7.37

2. Work Loss Benefit


Monthly/Total Single Car Multi-Car Single Car Multi-Car

$ 1,000/5,000 $12.26 $11.03 $10.42 $9.38 $7.29 $6.56 $6.20 $5.58 1,000/15,000 18.38 16.54 15.62 14.06 10.93 9.83 9.29 8.36 1,500/25,000 23.47 21.12 19.95 17.95 13.96 12.56 11.87 10.68 2,500/50,000 36.76 33.08 31.25 28.12 21.86 19.67 18.58 16.72

3. Funeral Expense Benefit


Limit Single Car Multi-Car Single Car Multi-Car

$ 1,500 $3.07 $2.76 $2.61 $2.35 $1.83 $1.64 $1.56 $1.39 2,500 4.10 3.69 3.49 3.14 2.44 2.19 2.07 1.86

4. Accidental Death Benefit



$ 5,000 $2.04 $1.84 $1.73 $1.56 $1.21 $1.09 $1.03 $0.93 10,000 3.07 2.76 2.61 2.35 1.83 1.64 1.56 1.39 25,000 8.19 7.37 6.96 6.26 4.87 4.38 4.14 3.72



Matter underlined is new; matter struck through is deleted.

PERSONAL VEHICLE MANUAL

PENNSYLVANIA SEMI-ANNUAL LOSS COSTS

14. MISCELLANEOUS COVERAGES

M. Combination First Party Benefits Coverage

Additional Semi-Annual Loss Cost (Per Car)

Total

Benefit

Funeral Expense

Accidental

Death

Full Tort

Limited Tort

Limit Benefit Benefit Single Car Multi-Car Single Car Multi-Car

$ 50,000 $ 2,500 $ 10,000 $41.50 $37.35 $35.28 $31.75 $24.68 $22.21 $20.98 $18.88 100,000 2,500 10,000 49.62 44.66 42.18 37.96 29.50 26.55 25.08 22.57 177,500 2,500 25,000 63.79 57.41 54.22 48.80 37.93 34.14 32.24 29.02

N. Extraordinary Medical Benefits Coverage

Semi-Annual Loss Cost (Per Car)



$ 100,000 $6.07 $5.46 $5.16 $4.64 $3.61 $3.25 $3.07 $2.76 300,000 10.10 9.09 8.59 7.73 6.01 5.40 5.11 4.59 500,000 13.17 11.85 11.19 10.07 7.83 7.05 6.66 5.99 1,000,000 19.22 17.30 16.34 14.71 11.43 10.29 9.72 8.75

Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: N/AAttachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:

Attachment(s):

PP-2017-BRLA1-PA-Executive Summary.pdfPP-2017-BRLA1-PA-Table of Contents.pdfPP-2017-BRLA1-PA-Sect A-Scope of Revision.pdfPP-2017-BRLA1-PA-Sect B-Calculation of Changes.pdfPP-2017-BRLA1-PA-Sect C-Supporting Material.pdfPP-2017-BRLA1-PA-Sect D-UM UIM.pdf

Item Status:Status Date:

Satisfied - Item: Cover LetterComments:Attachment(s): PP-2017-BRLA1-PA-Cover Letter.pdfItem Status:Status Date:







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PENNSYLVANIA


LOSS COST LEVEL REVISION

EXECUTIVE SUMMARY

© Insurance Services Office, Inc., 2017 Pennsylvania PP-2017-BRLA1 EX-1

PURPOSE This document:

revises advisory prospective loss costs. These loss costs represent a -4.5%

statewide change from the present loss cost provisions.

provides the analyses used to derive these advisory loss costs.

DEFINITION OF

ISO ADVISORY

PROSPECTIVE

LOSS COSTS

Advisory prospective loss costs in this document are that portion of a rate that does

not include provisions for expenses (other than loss adjustment expenses) or profit,

and are based on historical aggregate losses and loss adjustment expenses adjusted

through development to their ultimate value and projected through trending to a

future point in time.

HISTORICAL

SOURCE DATA

The data used in this review is based on voluntary market experience through

12/31/2016 of ISO reporting companies. For the liability coverages, losses are

evaluated as of 3/31/2017.

LOSS COST The statewide advisory loss cost level changes are:

LEVEL CHANGES Indicated Filed

Single Limit Liability* - 2.0% - 2.0%

Bodily Injury - 4.5% - 4.5%

Property Damage - 0.9% - 0.9%

First Pary Benefits - 6.4% - 6.8%

Uninsured Motorists (Bodily Injury) - 6.4% - 6.4%

Underinsured Motorists (Bodily Injury) - 3.9% - 3.9%

Liability Sub-Total - 3.2% - 3.2%

Comprehensive - 2.5% - 2.5%

Collision - 7.6% - 7.6%

Physical Damage Sub-Total - 6.2% - 6.2%

Total - 4.5% - 4.5%

Indicated and filed loss cost level changes are changes from the present loss cost

provisions. Present loss cost provisions are based on staff developed loss costs

contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

Loss cost level changes are calculated on a total limits basis for Liability, First

Party Benefits, and Uninsured and Underinsured Motorists coverages, and on an all

deductibles combined basis for Comprehensive and Collision coverages.


PENNSYLVANIA



EXECUTIVE SUMMARY


LOSS COST

LEVEL CHANGES (Cont'd)

* The Single Limit Liability loss cost level change is based on the Bodily Injury

and Property Damage changes.

INDICATED VS. FILED Indicated changes are based on standard ISO methodology.

For First Party Benefits, the filed total limits loss cost level change is based on the

indicated change of -5.3% for $5,000 Basic Medical, no change in the relativity for

$5,000 Basic Medical to $10,000 Medical, and the -10.0% change to the loss costs

for excess Medical over $10,000 and all non-medical coverages.

DETERMINATION

OF UNINSURED AND

UNDERINSURED

MOTORISTS

LOSS COSTS

Loss costs for basic and higher limits for Uninsured Motorists (UM) and

Underinsured Motorists (UIM) Coverages are developed using the current full

pricing procedures as utilized in Pennsylvania Personal Auto Filing,

PP-2016-BRLA1. The full pricing procedures and calculations are detailed in

Section D of this filing.


PENNSYLVANIA



EXECUTIVE SUMMARY


TREND AND OTHER

ADJUSTMENTS

Loss Trend

The loss costs developed in this document will be used in a future period. For the

historical loss costs to be valid for use in a future period, they must be multiplied

by trend factors. A trend factor is a number based on the changes in claim cost

and claim frequency that are expected to occur between Date X (the historical data

period) and Date Y (the future period for which the loss costs will be in effect).

The historical trend factors are determined from:

Claim cost trend is determined from the fitted claim cost curve for the latest 12

quarterly year-ended experience periods (12-point trend) through the first

quarter of 2017.

Claim frequency trend is selected based on an analysis of the claim frequency

data for the latest 24 quarterly yearended experience periods, taking into

consideration the frequency fits for the latest 6, 12 and 24 points.

Regional claim cost trends are used as the complement of credibility to the

statewide claim cost trends where appropriate.

The trend procedure for the Physical Damage coverages uses Collision claim

cost data for $100, $200, $250 and $500 deductibles adjusted to a $500

deductible level for claim cost trend for both Comprehensive and Collision.

ISO has also imposed judgment in some cases based upon discussions of

external influences to support final loss trend selections. The trend factors that

were evaluated are discussed in Section C.


PENNSYLVANIA



EXECUTIVE SUMMARY


TREND AND OTHER The annual loss trends by coverage are:

ADJUSTMENTS (Cont'd)

Coverage Trend Factor

Bodily Injury + 0.5%

Property Damage + 3.4%

$5,000 Basic Medical First Party Benefits - 1.0%

Uninsured Motorists Bodily Injury + 0.5%

Comprehensive + 3.2%

Collision + 3.2%

Premium Trend

A variety of economic factors affect the cost of physical damage automobile

insurance. As time goes by, the average price of new cars purchased and the cost

of repairing/replacing all cars driven both tend to rise. The ISO physical damage

rating structure is designed to reflect these dynamics.

As a result, premium revenue increases as newer model year cars are purchased

and as the average price of new cars increases. In order to reflect the increase in

revenue, ISO uses a premium trend procedure, the effect of which is to reduce the

indicated loss costs for physical damage coverages.

Premium trend is applied in two ways:

Model Year Trend

The costs of repair, replacement, etc. are rising from year to year, even for vehicles

whose cost new does not change with a newer model year. As a result of this

phenomenon, the ISO model year rating program applies higher relativities to

newer model year cars. The higher relativities increase revenue, which should be

reflected in the ratemaking process. Our procedures incorporate this reflection

through the application of model year premium trend factors of 1.024 and 1.029

for Comprehensive and Collision coverages, respectively, which on an annual

basis are:

Comprehensive 4.1%

Collision 5.0%


PENNSYLVANIA



EXECUTIVE SUMMARY


TREND AND OTHER Symbol Trend

ADJUSTMENTS (Cont'd) Overall, the average price of new cars purchased is rising each year. Under the

ISO rating structure, higher relativities apply for higher valued cars. The higher

relativities also increase revenue, which should be reflected in the ratemaking

process. Our procedures incorporate this reflection through the application of

symbol trend factors of 1.081 and 1.053 for Comprehensive and Collision,

respectively, for year ended 12/31/2015; and 1.058 and 1.038 for Comprehensive

and Collision, respectively, for year ended 12/31/2016. These symbol trends on an

annual basis are:

Comprehensive 2.0%

Collision 1.3%

Other Adjustments

Standard actuarial procedures have been used in calculating the loss costs,

including adjusting the liability losses to ultimate settlement level and, for all

coverages, reflecting all loss adjustment expenses.

SIZE OF ISO DATABASE

The market share of all insurers included in the ISO database in Pennsylvania as

measured by Annual Statement Statutory Page 14 written premium for the year

ending 12/31/2016 is:

Liability (ASLOB 19.2) Physical Damage (ASLOB 21.1)

15.3% 15.8%

TEN LARGEST LIABILITY PHYSICAL DAMAGE

COMPANIES IN 1. Travelers Group 1. Travelers Group

ISO DATABASE 2. Nationwide Group 2. Nationwide Group

3. USAA Group 3. USAA Group

4. GEICO 4. GEICO

5. Hartford Insurance Group 5. Hartford Insurance Group

6. Westfield Group 6. Westfield Group

7. Goodville & German 7. Goodville & German

8. Mutual Benefit Group 8. Mutual Benefit Group

9. 21st Century Insurance Group 9. Amica Mutual Group

10. Amica Mutual Group 10. 21st Century Insurance Group

Insurers are listed in descending order based on the percent of statewide earned

exposures in the ISO database for the year ending 12/31/2016.


PENNSYLVANIA



EXECUTIVE SUMMARY


SYSTEMS IMPACT This document also contains other revisions that may affect company policy

writing systems. These include:

Shift in base model year from 2018 to 2019.

PRIOR ISO REVISIONS The latest loss cost revisions in Pennsylvania are:

Filing Designation PP-2016-BRLA1 PP-2015-BRLA1 PP-2014-BRLA1

(Amendment)

Dates

Effective 05/01/2017 05/01/2016 05/01/2015

Implemented Changes

S/L Liability + 4.6% + 3.8% + 2.5%

Bodily Injury + 2.6% - 3.1% + 4.2%

Property Damage + 5.6% + 1.4% + 1.7%

First Party Benefits - 6.1% + 11.6% + 4.5%

UM BI - 12.3% + 15.0% 0.0%

UIM BI + 1.3% + 5.0% 0.0%

Sub-Total + 1.9% + 3.9% + 3.0%

Comprehensive - 2.3% + 0.3% + 4.0%

Collision - 2.9% - 5.7% + 7.2%

Sub-Total - 2.7% - 4.1% + 6.3%

Total 0.0% - 0.2% + 4.5%


PENNSYLVANIA



EXECUTIVE SUMMARY


INSURER

DECISION

We encourage each insurer to decide independently whether the judgments made

and the procedures or data used by Insurance Services Office, Inc. (ISO) in

developing the loss costs contained herein are appropriate for its use. We have

included within this document the information upon which ISO relied in order to

enable companies to make such independent judgments.

The data underlying the enclosed material comes from companies reporting to

Insurance Services Office, Inc. Therefore, the ISO experience permits the

establishment of a much broader statistical ratemaking base than could be

employed by using any individual insurer's data. A broader data base enhances the

validity of ratemaking analysis derived therefrom. At the same time, however, an

individual company may benefit from a comparison of its own experience to the

aggregate ISO experience, and may reach valid conclusions with respect to the

manner in which its own costs can be expected to differ from ISO's projections

based on the aggregate data.

Some calculations included in this document involve areas of ISO staff judgment.

Each insurer should carefully review and evaluate its own experience in order to

determine whether the ISO selected loss costs are appropriate for its use.

The material has been developed exclusively by the staff of Insurance Services

Office, Inc.

COPYRIGHT

EXPLANATION


rights reserved. Possession of these pages does not confer the right to print,

reprint, publish, copy, sell, file or use same in any manner without the written

permission of the copyright owner. Permission is hereby granted to members,

subscribers, and service purchasers to reprint, copy, or otherwise use the enclosed

material for purposes of their own business use relating to that territory or line or

kind of insurance, or subdivision thereof, for which they participate, provided that:

(A) where ISO copyrighted material is reprinted, copied, or otherwise used as a

whole, it must reflect the copyright notice actually shown on such material.

(B) where ISO copyrighted material is reprinted, copied, or otherwise used in

part the following credit legend must appear at the bottom of each page so

used:

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

permission.




























































COPYRIGHT NOTICE

































































COPYRIGHT NOTICE



































































COPYRIGHT NOTICE






© Insurance Services Office, Inc., 2017 Pennsylvania PP-2017-BRLA1


PENNSYLVANIA


TABLE OF CONTENTS

SECTION A – SCOPE OF REVISION

Summary of Loss Cost Level Changes, Filed Base Class Loss Costs ...................................... A-2-24

SECTION B – CALCULATION OF CHANGES

Overview of ISO Actuarial Procedures ..................................................................................... B-2

Calculation of Statewide Loss Cost Level Changes .................................................................. B-3-13

Calculation of Filed Loss Costs by Territory ............................................................................ B-14-35

SECTION C – SUPPORTING MATERIAL

Loss Adjustment Expenses........................................................................................................ C-2-5

Loss Development ..................................................................................................................... C-6-11

Loss Trend ................................................................................................................................. C-12-25

Wind and Water Procedure ....................................................................................................... C-26-31

Symbol Premium Trend ............................................................................................................ C-32-40

Model Year Premium Trend ..................................................................................................... C-41-46

Claims by Territory ................................................................................................................... C-47

Credibility Tables ...................................................................................................................... C-48

Average Increased Limits Factors and Average Deductible Relativities .................................. C-59-51

Change in Model Year Base...................................................................................................... C-52-54

Supplemental Loss Cost Information ........................................................................................ C-55

Machine Processing Information .............................................................................................. C-56

Model Year and Symbol Relativities ........................................................................................ C-57-60

SECTION D – CALCULATION OF UNINSURED MOTORISTS INDICATIONS AND DETERMINATION OF

UNINSURED MOTORISTS SEMI-ANNUAL LOSS COSTS AND SUPPORTING MATERIAL FOR

THE REPRICING OF UNDERINSURED MOTORISTS SEMI-ANNUAL LOSS

COSTS ...................................................................................................................................... D-2-107

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SECTION A – SCOPE OF REVISION

Statewide Loss Cost Level Changes ................................................................................ A-2 Territory Loss Cost Level Changes ................................................................................. A-3-4 Statewide Loss Cost Level Changes by Deductible ........................................................ A-5 Present and Filed Base Class Loss Costs by Territory .................................................... A-6-9 Sample Display of Filed Model Year Loss Costs ............................................................ A-10 Uninsured and Underinsured Motorists Loss Costs ......................................................... A-11-22 First Party Benefits Additive Loss Costs ........................................................................ A-23-24



PENNSYLVANIA


TABLE A1

STATEWIDE LOSS COST LEVEL CHANGES (A)

Coverages

Aggregate Loss Costs at Current Level (B)

Loss Cost Level Changes (C)

PERSONAL AUTO POLICY

Liability:

Single Limit Liability $ 64,754,739 - 2.0% Bodily Injury 142,895,833 - 4.5% Property Damage 191,876,115 - 0.9% First Party Benefits 69,636,534 - 6.8% Uninsured Motorists (Bodily Injury) 17,137,894 - 6.4% Underinsured Motorists (Bodily Injury) 65,711,345 - 3.9% Sub-Total $ 552,012,460 - 3.2% Physical Damage: Comprehensive $ 111,447,585 - 2.5% Collision 302,384,126 - 7.6% Sub-Total $ 413,831,711 - 6.2% GRAND TOTAL $ 965,844,171 - 4.5%

(A) The trend effective date is 5/1/2018. (B) Year ended 12/31/2016 Aggregate Loss Costs at ISO staff developed loss costs contained in Pennsylvania Personal

Auto Filing, PP-2016-BRLA1. (C) Loss cost level changes are calculated on a total limits basis for Liability, First Party Benefits, and Uninsured

Motorists and Underinsured Motorists Bodily Injury coverages, and on an all deductibles combined basis for Comprehensive and Collision coverages.


INSURANCE SERVICES OFFICE, INC. PENNSYLVANIA


TABLE A2-1

TERRITORY LOSS COST LEVEL CHANGES ________________________________________________________________________________________________________________________________

TERRITORY

LIABILITY

PHYSICAL DAMAGE

FULL TORT

LIMITED TORT

$5,000

$5,000

SINGLE BODILY MEDICAL

SINGLE BODILY MEDICAL

COMPRE- COLL-

CODE DESCRIPTION LIMIT INJURY F.P.B. LIMIT INJURY F.P.B. P.D.

HENSIVE ISION

1 PHILADELPHIA TERR.

-5.7% -9.3% -7.6% -3.6% -8.6% -8.5% +1.4%

-4.8% -7.7%

3 PITTSBURGH TERR.

-2.1% -3.2% -3.3% -1.6% 0.0% -5.6% -1.4%

-3.4% -5.8%

5 SCRANTON-CARBONDALE TERR.

-5.0% -4.8% -2.8% -5.1% -4.0% 0.0% -5.2%

-9.5% -12.5%

6 READING TERR.

+1.4% -2.8% -2.6% +1.7% 0.0% -4.3% +3.2%

+4.1% -5.1%

7 HARRISBURG TERR.

-2.3% -6.5% 0.0% -1.8% -5.6% 0.0% 0.0%

+8.7% -4.2%

8 WILKES-BARRE,

-3.2% -7.7% -2.7% -2.9% -8.7% -4.5% 0.0%

+4.5% -8.5%

PITTSTON

9 ERIE CITY TERR.

-4.8% -8.8% -5.4% -4.7% -10.0% -4.5% -2.8%

+0.6% -8.3%

10 WILLIAMSPORT TERR.

-3.4% -7.1% -4.2% -2.9% -6.3% -7.1% -1.8%

-8.0% -3.0%

12 LANCASTER, LEBANON, YORK

-1.6% -6.7% 0.0% -0.9% -11.1% 0.0% +1.8%

+0.6% -6.6%

14 PHILADELPHIA

-5.4% -6.2% -9.3% -4.9% -6.5% -9.4% -3.5%

-8.5% -7.9%

SEMI-SUBURBAN

21 EAST-CENTRAL COS.

-2.8% -3.1% -3.1% -2.2% -5.3% -5.3% -2.2%

+0.6% -6.2%

22 BERKS CO. BAL.

-2.8% -3.7% -6.1% -3.3% -6.3% -5.3% -2.0%

-2.0% -9.9%

23 AS PER MANUAL

-2.8% -7.4% -6.9% -2.2% -6.3% -5.9% 0.0%

-2.3% -7.6%

24 BEDFORD AND FULTON COS.

-3.1% -6.9% -6.9% -1.3% -5.9% -5.9% 0.0%

-2.8% -9.9%

25 SOUTHERN DAUPHIN CO. -1.7% -3.4% -8.7% -2.9% -5.9% -7.7% -1.8%

-7.8% -8.0%

27 CUMBERLAND CO. BAL.

-1.0% -4.8% -5.3% 0.0% 0.0% -9.1% 0.0%

+4.6% -4.8%

34 WASHINGTON CO.

-2.5% -6.7% -6.5% -2.9% -11.1% -5.6% 0.0%

-6.8% -7.0%

38 WESTMORELAND CO.

-3.6% -7.4% 0.0% -3.1% -6.3% 0.0% -1.9%

-1.9% -8.6%

39 FAYETTE CO.

-8.2% -9.4% -3.0% -7.5% -10.5% 0.0% -6.4%

-3.1% -8.0%

40 JOHNSTOWN TERR.

-2.0% -4.5% -4.0% -1.1% -7.7% -6.7% 0.0%

+0.6% -7.0%

41 SO.PHILADELPHIA SUB. -1.6% -1.6% -4.5% -1.3% -2.6% -3.8% -1.3%

-3.4% -5.3%

42 NO. PHILADELPHIA SUBURBAN +1.7% 0.0% -3.9% +2.1% 0.0% -3.3% +3.0%

-7.8% -6.4%

43 BUCKS, MONTGOMERY

-2.0% -2.2% -5.1% -2.3% -3.7% -4.3% -1.6%

-2.5% -9.2%

COS. BALANCE

45 CHESTER, DELAWARE

+1.4% 0.0% -3.2% +1.6% 0.0% 0.0% +1.6%

-2.0% -5.7%

COS. BALANCE

46 PITTSBURGH SUBURBAN

-2.5% -4.3% -3.6% -1.9% 0.0% 0.0% -1.6%

-6.8% -8.9%

47 BEAVER FALLS-

-2.6% -4.0% -3.0% -2.9% -6.7% 0.0% -1.8%

-7.1% -8.0%

NEWCASTLE

48 OIL CITY

-2.0% -4.0% -7.4% -2.3% -6.7% -6.3% 0.0%

+0.6% -7.5%

49 WEST CENTRAL COS.

-4.8% -8.7% -3.3% -4.3% -7.7% -5.6% -3.8%

-2.6% -13.0%

51 BEAVER BALANCE, ETC. -3.7% -6.3% -6.3% -2.2% -5.3% -5.3% -2.2%

-1.3% -6.0%

52 CAMBRIDGE, ETC. COS. -1.1% 0.0% -3.7% -2.5% 0.0% -6.3% -2.3%

-2.6% -12.2%

53 CENTRAL COS.

-2.3% 0.0% -4.0% -1.3% 0.0% -6.7% -2.4%

+0.6% -9.3%

54 NORTHWESTERN COS.

-2.1% -4.8% -4.0% -2.4% 0.0% -6.7% -2.1%

-0.6% -11.1%

55 NORTHEASTERN COS.

-3.1% -4.5% -7.7% -1.9% -3.8% -8.7% -2.1%

-4.2% -10.2%

56 ERIE CO. BALANCE

-0.9% -3.8% -3.8% 0.0% 0.0% 0.0% 0.0%

-1.1% -13.5%

57 BLAIR CO.

0.0% -4.0% -3.4% 0.0% -6.7% -5.9% +1.8%

-2.0% -8.4%

58 ALLENTOWN-BETHLEHEM

-2.8% -5.1% -7.9% -2.4% -4.3% -4.5% -1.5%

-10.6% -6.0%

59 LEHIGH, NORTHAMPTON

-3.3% -3.2% -5.9% -2.9% 0.0% -5.0% -3.6%

-8.0% -8.2%

COS. BALANCE

61 POTTSVILLE TERR.

-2.9% -4.0% -3.6% -3.4% -6.7% 0.0% -2.1%

+6.0% -9.9%

70 MCKEESPORT TERR.

-1.3% -5.6% -2.6% 0.0% -4.8% -4.3% +1.4%

+0.6% -7.1%

71 MONTOUR, ETC. COS.

-1.1% -5.0% -3.8% -2.4% -8.3% 0.0% 0.0%

+2.6% -3.0%

STATEWIDE -2.0% -4.5% -5.3% -2.0% -4.5% -5.3% -0.9% -2.5% -7.6%

NOTE: Loss cost level changes are calculated on a total limits basis for Liability, a basic limits basis for

First Party Benefits, and on an all deductibles combined basis for Physical Damage.




TABLE A2-2

TERRITORY LOSS COST LEVEL CHANGES

Uninsured Motorists Underinsured Motorists

Tier Territory Bodily Injury Bodily Injury

1 1, 14 - 6.7% - 5.6%

2 41, 42 - 4.1% - 0.9%

3 All Remaining Territories - 7.1% - 4.5%

Statewide - 6.4% - 3.9%

NOTE: Loss cost level changes are calculated on a total limits basis for Uninsured and Underinsured Motorists Bodily

Injury, and reflect full and limited tort and stacked and non-stacked options combined.


INSURANCE SERVICES OFFICE, INC. PENNSYLVANIA PERSONAL AUTO INSURANCE TABLE A3 STATEWIDE LOSS COST LEVEL CHANGES BY DEDUCTIBLE (1) (2) (3) Aggregate Loss Costs at Current Level Present Loss Cost Coverage for Weighing Relativity Level Change Full Cov. Comprehensive $ 9,724,294 1.47 - 2.5% $50 Ded. Comprehensive 6,525,576 1.40 - 2.5% $100 Ded. Comprehensive 41,609,098 1.33 - 2.5% $200 Ded. Comprehensive 1,567,873 1.21 - 2.5% $250 Ded. Comprehensive 18,010,631 1.16 - 2.5% $500 Ded. Comprehensive 29,958,211 1.00 - 2.5% $1,000 Ded. Comprehensive 4,051,902 0.79 - 2.5% Sub-total $ 111,447,585 - 2.5% $100 Ded. Collision $ 5,076,453 1.21 - 7.6% $200 Ded. Collision 2,943,424 1.14 - 7.6% $250 Ded. Collision 28,873,484 1.11 - 7.6% $500 Ded. Collision 233,179,023 1.00 - 7.6% $1,000 Ded. Collision 32,311,742 0.85 - 7.6% Sub-total $ 302,384,126 - 7.6% Physical Damage Total $ 413,831,711 - 6.2%



PENNSYLVANIA

PERSONAL AUTO INSURANCE EXPLANATORY NOTES TO TABLES A4-1 AND A4-2 As a result of previous correspondence with the Pennsylvania Insurance

Department, filed loss costs for certain territories were adjusted to maintain the minimum limited tort differential on a territory-by-territory basis and to maintain revenue neutrality.

For Bodily Injury, Territories 12, 25, 34, and 43 were adjusted. For $5,000 First Party Benefits, Territories 6, 10, 27, 34, 40, 49, 57, and 70

were adjusted. For $10,000 First Party Benefits, Territories 43, 45, 48, 51, 56, and 71 were

adjusted.



PENNSYLVANIA


TABLE A4-4

SAMPLE DISPLAY OF MODEL YEAR LOSS COSTS FOR TERRITORY 1

$500 Deductible $500 Deductible

Model Year Comprehensive (A) Collision (A)

2021 $ 39 $237

2020 37 226

2019 35 215

2018 33 202

2017 32 189

2016 30 178

2015 28 163

2014 27 151

2013 26 142

2012 25 133

2011 23 125

2010 22 118

2009 21 110

1990 - 2008 20 103

(A) Loss costs are for base Symbol 8 for model years 1990-2010 and base symbol 11

for model years 2011 and later. (See Tables C14-1 and C14-2 for model

year and symbol relativities to determine loss costs for 1989 and prior.)

The above loss costs reflect a shift in the base model year from 2018 to

2019. Tables C14-1 and C14-2 display the model year and symbol relativity

factors for a model year 2019, Symbol 11 base loss cost.




























































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COPYRIGHT NOTICE






© Insurance Services Office, Inc., 2017 Pennsylvania PP-2017-BRLA1 B-1


PENNSYLVANIA


SECTION B – CALCULATION OF CHANGES

Overview of ISO Actuarial Procedures ........................................................................... B-2

Calculation of Statewide Loss Cost Level Changes ........................................................ B-3-13

Calculation of Filed Loss Costs by Territory .................................................................. B-14-35



PENNSYLVANIA


OVERVIEW OF ISO ACTUARIAL PROCEDURES FOR LIABILITY AND

PHYSICAL DAMAGE COVERAGES

INTRODUCTION

Personal Auto filed loss costs are determined by evaluating the adequacy of the

present loss cost provisions to pay for our best estimate of losses and all loss

adjustment expenses that will be incurred in the prospective (or future) period.

This evaluation is done separately by coverage.

STEP 1:

DETERMINATION

OF STATEWIDE

LOSS COST

INDICATION

The first step in this process is the determination of the statewide loss cost

indication. In other words, what percentage changes on average must be made to

the present ISO loss costs in order to achieve adequacy for the prospective

conditions? The percentage changes are presented on the exhibits labeled

"Calculation of Statewide Loss Cost Level Changes."

STEP 2:

DISTRIBUTION TO

TERRITORIES

ISO then distributes the statewide loss cost indication to the individual territorial

loss costs by comparing the relative loss experience by territory to the statewide

average.

STEP 3:

APPLICATION OF

PERCENTAGE

CHANGES

The last step is the calculation of the ISO filed loss costs. This is achieved by

applying the territory indicated changes to the present ISO loss costs. For

liability, the percentage change is applied at the basic limit; for physical damage,

it is applied at the base model year and symbol and base deductible. The resulting

base class loss costs are displayed in Section A.

Loss costs for higher policy limits for liability are then generated using the

applicable increased limits factors, which are the result of a separate actuarial

analysis. Similarly, loss costs for physical damage by model year, symbol and

deductible are generated by the applicable factors contained in Section C.



PENNSYLVANIA


OVERVIEW OF CALCULATION OF STATEWIDE LOSS COST LEVEL

CHANGES FOR LIABILITY AND PHYSICAL DAMAGE COVERAGES

OBJECTIVE The objective of this procedure is to determine the indicated statewide loss cost

level changes for Liability and Physical Damage coverages. This procedure

answers the question: what percentage changes must be made on average to the

present loss costs in order for them to be adequate to cover our best estimate of

indemnity losses and all loss adjustment expenses that will be incurred in the

prospective period in which the filed loss costs will be used?

DESCRIPTION

This procedure compares the weighted projected loss cost to the present loss cost

provision. For Liability, the projected loss cost is the developed and trended

incurred losses and loss adjustment expenses per earned exposure. For Physical

Damage, the projected loss cost is the trended incurred losses and loss adjustment

expenses per earned exposure. The weighted projected loss cost is the weighted

average of the projected loss costs of the two years of experience. It is the

trended incurred losses and loss adjustment expense per earned exposure after

credibility weighting each year's projected loss cost with the trended present loss

cost provision. Credibility is applied to minimize the impact of random variation

in the observed losses. The weights applied to the two years of experience are

determined as a function of the volume of claim experience. For Physical

Damage, the present loss cost provision used in this procedure reflects both

model year and symbol trend.

EXPERIENCE

BASE

The experience used in this review is the latest available as reported under the

ISO Personal Automobile Statistical Plan. The data is aggregated on an accident

year basis for Liability and on a calendar year basis for Physical Damage.



PENNSYLVANIA


TABLE B1

CALCULATION OF STATEWIDE LOSS COST LEVEL CHANGES

FOR LIABILITY COVERAGES

_______________________________________________________________________________________________

(1) (2) (3) (4)

Accident Incurred Losses & Average Annual

Years Earned Loss Adjustment Change In

Coverage Ended Exposures Expenses(A) Losses (Trend) Credibility_

12/31/2015 1,527,541 $79,556,879 + 0.5% 1.00

Bodily Injury 12/31/2016 1,445,339 71,551,103 + 0.5% 1.00

12/31/2015 1,527,541 $141,969,013 + 3.4% 1.00

Property Damage 12/31/2016 1,445,339 134,746,880 + 3.4% 1.00

First Party 12/31/2015 1,527,541 $44,546,006 - 1.0% 1.00

Benefits 12/31/2016 1,445,339 41,026,109 - 1.0% 1.00

_______________________________________________________________________________________________

_______________________________________________________________________________________________

(5) (6) (7) (8) (9) (10)

Weighted Present

Projected Year Projected Loss Cost Indicated Filed

Coverage Loss Cost Weights Loss Cost Provision Change Change_____

$53.02 0%

Bodily Injury 50.15 100% $50.15 $52.50 - 4.5% - 4.5%

$104.74 0%

Property Damage 101.62 100% $101.62 $102.56 - 0.9% - 0.9%

First Party $28.14 0%

Benefits 27.65 100% $27.65 $29.21 - 5.3% - 5.3%

_______________________________________________________________________________________________

_______________________________________________________________________________________________

(11) (12)

Coverage Single Limit Loss Cost Change________________________

Indicated Filed

Single Limit Liability - 2.0% - 2.0%

_______________________________________________________________________________________________

(A) Losses are capped at 15/30 for Bodily Injury, $5,000 for Property Damage, and Basic

Limits for First Party Benefits.



PENNSYLVANIA


TABLE B2

CALCULATION OF STATEWIDE LOSS COST LEVEL CHANGES

FOR PHYSICAL DAMAGE COVERAGES

_______________________________________________________________________________________________

(1) (2) (3) (4)

Incurred Losses & Average Annual

Calendar Earned Loss Adjustment Change In Credi-

Coverage Years Ended Exposures Expenses (A) Losses (Trend) bility_____

12/31/2015 1,335,298 $86,823,737 + 3.2% 1.00

Comprehensive 12/31/2016 1,272,254 84,925,048 + 3.2% 1.00

12/31/2015 1,249,967 $280,716,192 + 3.2% 1.00

Collision 12/31/2016 1,193,243 258,941,607 + 3.2% 1.00

_______________________________________________________________________________________________

_______________________________________________________________________________________________

(5) (6) (7) (8) (9) (10)

Weighted Present

Projected Year Projected Loss Cost Indicated Filed

Coverage Loss Cost Weights Loss Cost Provision Change Change_____

$72.76 0%

Comprehensive 72.43 100% $72.43 $74.25 - 2.5% - 2.5%

$251.30 0%

Collision 235.45 100% $235.45 $254.75 - 7.6% - 7.6%

_______________________________________________________________________________________________

_______________________________________________________________________________________________

(A) Experience includes Full Coverage, $50 Deductible, $100 Deductible, $200 Deductible,

$250 Deductible, $500 Deductible, and $1,000 Deductible Comprehensive adjusted to a

$500 Deductible level, and $100 Deductible, $200 Deductible, $250 Deductible, $500

Deductible, and $1,000 Deductible Collision adjusted to a $500 Deductible level.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES B1 AND B2

COLUMN (1) EARNED EXPOSURES

The exposures for liability and physical damage coverages are those exposures

which have been earned during the latest two available accident years ending

12/31/2015 and 12/31/2016.

COLUMN (2) INCURRED LOSSES AND LOSS ADJUSTMENT EXPENSES

LIABILITY

COVERAGES

For Liability, the losses displayed are basic limit incurred losses including all loss

adjustment expenses and developed to an ultimate settlement basis.

(TABLE B1)

Allocated Loss Adjustment Expenses

Incurred indemnity losses are combined with allocated loss adjustment expenses,

which are the expenses incurred by a carrier in connection with claim settlements

that can be directly allocated to a particular claim.

Unallocated Loss Adjustment Expense Factors

Unallocated loss adjustment expenses, those expenses which cannot be allocated to

any one claim, are included by applying appropriate factors to the incurred losses

and allocated loss adjustment expenses. The factors used in this review are based

on three years of countrywide experience as shown in Tables C1-1 and

C1-2.

Loss Development Factors

The incurred losses and loss adjustment expenses are developed to an ultimate

settlement basis by applying loss development factors. The use of a loss

development factor is necessitated by the fact that all of the losses for a particular

accident year have not been fully determined at the time the experience is

compiled.

Application of Loss Development Factors

The loss development factors used in this review are based on statewide experience

for Bodily Injury, Property Damage Liability and First Party Benefits as shown in

Tables C2-1 to C2-3.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES B1 AND B2 (Cont'd)

COLUMN (2) (Cont'd)

PHYSICAL DAMAGE

For Physical Damage, the reported paid losses are adjusted to an incurred basis and

to include all loss adjustment expenses. The factor used in this review is based on

three years of countrywide experience as shown in Table C1-3.

COVERAGES

(TABLE B2) All Physical Damage loss and claim experience is adjusted to a common

deductible basis.

The data for Comprehensive coverage includes Full Coverage, $50 Deductible,

$100 Deductible, $200 Deductible, $250 Deductible, $500 Deductible and $1000

Deductible Comprehensive paid losses adjusted to a $500 level. Comprehensive

paid losses for each deductible are adjusted to a $500 deductible level separately

for each Comprehensive type of loss category using factors determined separately

for each Comprehensive type of loss. Since the state-specific type of loss

distribution determines the overall adjustment factors, overall factors to adjust

losses to a common level vary by state and year for Comprehensive coverages.

The data for Collision coverage includes $100 Deductible, $200 Deductible, $250

Deductible, $500 Deductible and $1000 Deductible Collision paid losses adjusted

to a $500 Deductible level.

Wind and Water Procedure (Comprehensive only)

To ensure stability of indicated loss costs while maintaining adequacy in the event

of large, unexpected losses, a wind and water adjustment procedure is used in the

development of Personal Auto loss costs. This procedure adjusts the wind and

water losses from each year of the experience period in a manner such that the

resulting wind and water losses comprise a consistent percentage of the total

Comprehensive losses. Hence, violent shifts in loss costs (both upward and

downward), which might result from reflecting highly variable wind and water

losses only in the year in which they occur, will be avoided.

This procedure involves determining the long term average ratio of wind and water

losses to non-wind losses, and then replacing the actual wind and water losses for

each year of the experience period with an amount corresponding to the long term

average ratio. The derivation of the adjusted Comprehensive losses is shown in

Tables C6-1 and C6-2.



PENNSYLVANIA



COLUMN (3) AVERAGE ANNUAL CHANGE IN LOSSES (LOSS TREND)

LIABILITY

COVERAGES

(TABLE B1)

The historic average annual change (trend) in liability losses is calculated by

coverage. For Bodily Injury, Property Damage, and First Party Benefits coverages,

the selected average annual changes in losses are based upon the latest available

average paid claim cost and paid claim frequency data. The claim cost data

represents the inflationary trend in the cost of claims. The claim frequency data is

used as a measure of the trend in claim occurrence. The statewide claim cost data

is credibility weighted with comparable regional data as applicable utilizing the

credibility standards shown in Table C10. Credibility is based on the number of

claims underlying the latest year's experience appearing in the trend exhibit shown

in Table C4-1. For all coverages, frequencies were selected based on more recent

trend patterns. Overall average annual change in losses (trend) is then determined

by coverage.

PHYSICAL

DAMAGE

COVERAGES

(TABLE B2)

The average annual change (trend) in physical damage losses is selected by

coverage. For Collision, the selected average annual change in losses is based upon

the latest available average paid claim cost data and paid claim frequency data for

Collision. For Collision, frequencies were selected based on more recent trend

patterns. For Comprehensive, the average annual change in losses is based upon

the latest available average paid claim cost data for Collision. For Comprehensive,

frequency trend is unpredictable over time due to catastrophes; a Comprehensive

claim frequency trend of 0.0% is selected in the absence of any other information.

The claim cost data represents the inflationary trend in the cost of claims. The

claim frequency selection is used as a measure of the trend in claim occurrence.

The statewide claim cost data is credibility weighted with comparable regional

data utilizing the credibility standards shown in Table C10. Credibility is based on

the number of claims underlying the latest year's experience appearing in the trend

exhibit shown in Table C5-1. Overall average annual changes in losses (trend) are

then determined by coverage.

COLUMN (4) CREDIBILITY

Coverage credibility is based on each coverage's latest two-year number of claims

(see Table C10).



PENNSYLVANIA



COLUMN (5) PROJECTED LOSS COSTS

The projected loss cost is calculated as follows:

[({(2) x (1.0 + (3))n} ÷ (1)) x (4)] + [(8) x (1.0 + (3))N x (1.0 - (4))]

where (3) is calculated in the last line of the trend summary exhibit (Table C3) and

n = the number of years of projection from the average date of accident to nine

months past the assumed effective date of this review. For the earlier year, n

is equal to 3.58 and the average date of accident is 7/1/2015. For the later

year, n is equal to 2.58 and the average date of accident is 7/1/2016. For both

years, the assumed effective date of this review is 5/1/2018.

N = the number of years from nine months past the assumed effective date of the

latest revision to nine months past the assumed effective date of this review.

For both years, N is equal to 1.00, the assumed effective date of the latest

revision is 5/1/2017, and the assumed effective date of this review is

5/1/2018.

Bodily Injury: [({$71,551,103 x (1.005)2.58} ÷ 1,445,339) x 1.00] +

(12/31/2016) [$52.50 x (1.005)1.00 x (1.0 - 1.00)] = $50.15

Note that trend factors raised to exponential factors are rounded to three decimal

places in the above calculations.

COLUMN (6) YEAR WEIGHTS

Year weights are based on each coverage's average number of claims for the latest

two years (see Table C10). Note that in the case of 0100% weights, experience for

the earlier year is displayed for informational purposes only.

COLUMN (7) WEIGHTED PROJECTED LOSS COST

The projected loss costs are combined using the year weights displayed.



PENNSYLVANIA



COLUMN (8) PRESENT LOSS COST PROVISION

The present loss cost provision is based on the loss costs set forth in Pennsylvania

Personal Auto Filing, PP-2016-BRLA1.

For Physical Damage only, the present loss cost provision also reflects the

following:

Effect of Model Year Rating

Due to Model Year Rating, the loss costs used to develop the statewide indicated

changes are adjusted to reflect the increased revenue which will be generated by

the introduction of the newer model year vehicles during the period in which the

revised loss costs will be effective. This adjustment factor is called Model Year

Trend. The calculation of Model Year Trend is shown in Table C8-1.

Effect of Symbol Rating

Due to reasonably anticipated changes in the average symbols, the loss costs used

to develop the indicated changes are adjusted to reflect the increased revenue

which will be generated by the higher average symbol relativity resulting from the

introduction of higher valued, newer model year cars during the period in which

loss costs will be effective. This adjustment factor is called Symbol Trend. The

calculation of Symbol Trend is shown in Tables C7-1 to C7-4.

COLUMN (9) INDICATED CHANGE

The indicated change is the weighted projected loss cost in Column (7) divided by

the present loss cost provision in Column (8).

COLUMN (10) FILED CHANGE

The filed changes equal the indicated changes.



PENNSYLVANIA



COLUMNS (11), (12) SINGLE LIMIT LOSS COST LEVEL CHANGE

LIABILITY

COVERAGES

ONLY

The Single Limit Liability change is calculated by increasing the Bodily Injury and

Property Damage basic limit average loss cost provisions to the single limit level

and discounting the lower of the two.

(TABLE B1)

The present single limit average loss cost provision is calculated by increasing the

15/30 Bodily Injury and $5,000 Property Damage basic limit average loss cost

provisions for year ended 12/31/2016 to the $35,000 single limit level and

discounting the lower of the two average loss costs. The discount factor (0.894) is

necessary because a $35,000 Single Limit policy affords less coverage than a

combined $35,000/$35,000 Bodily Injury and $35,000 Property Damage policy.

Such a combined policy affords up to $70,000 total coverage.

The filed single limit average loss cost provision is calculated by first multiplying

the 15/30 BI and $5,000 PD basic limit average loss cost provisions by the filed

changes for BI and PD, respectively. Then, these filed loss cost provisions are

increased to the $35,000 single limit level by multiplying by the increased limits

factors, and the lower of the two average loss costs is discounted. The Single Limit

filed change is the filed Single Limit average loss cost provision divided by the

present Single Limit average loss cost provision.

Present Single Limit Average Loss Cost Provision:

BI $ 52.50 x 1.45 = $ 76.13; $ 76.13 x 0.894 = $ 68.06

PD $102.56 x 1.45 = $148.71; $148.71 x 1.000 = $148.71

$216.77

Filed Single Limit Average Loss Cost Provision:

BI $ 52.50 x 0.955 = $ 50.14; $ 50.14 x 1.45 = $ 72.70; $ 72.70 x 0.894 = $ 64.99

PD $102.56 x 0.991 = $101.64; $101.64 x 1.45 = $147.38; $147.38 x 1.000 = $147.38

$212.37

Single Limit Loss Cost Level Change:

$212.37 ÷ $216.77 = 0.980 or -2.0%



PENNSYLVANIA


TABLE B3

FIRST PARTY BENEFITS

CALENDAR YEAR ENDED 12/31/2016

(A) (B) (B) / (A)

Projected Projected

Earned Incurred Loss

Exposures Losses Cost

(1) $10,000 Medical losses for all

Limits $10,000 and greater 769,145 $ 24,518,473 $ 31.88

(2) $5,000 Medical losses for all

limits $10,000 and greater 769,145 20,078,287 26.10

(3) $10,000 Medical losses for all limits 1,445,339 45,111,035 31.21

(4) All losses for all limits 1,445,339 65,184,235 45.10

(5) Remaining excess Medical losses over $10,000

and all non-medical losses [(4) - (3)] 1,445,339 20,073,200 13.89

(6) Present increased limits factor to go from $5,000 Medical to $10,000 1.250

(7) Indicated increased limits factor to go from $5,000 Medical to $10,000

Medical: [(1) / (2)] 1.221

(8) Selected increased limits factor to go from $5,000 Medical to $10,000

Medical 1.250

(9) Present loss cost provision for remaining excess Medical over $10,000

and all non-medical coverages $ 14.96

(10) Indicated change for remaining excess Medical over $10,000 and all

non-medical coverages: [((5) / (9)) - 1] -7.2%

(11) Selected change for remaining excess Medical over $10,000 and all

non-medical coverages -10.0%

(12) Present loss cost provision for all limits $ 48.18

(13) Indicated total change for all limits: [((4) / (12)) - 1] -6.4%

(14) Final effects total change for all limits based on the following selections:

(a) Full indicated change of -5.3% for $5,000 Basic Medical;

(b) No change in the relativity for $5,000 Basic Medical to $10,000 Medical of 1.25;

(c) A -10% change to the loss costs for excess Medical over $10,000 and

all non-medical coverages. -6.8%



PENNSYLVANIA


ADDITIONAL NOTES TO TABLE B3

ROWS (1), (2), AND (3) These losses include all loss adjustment expenses and are developed to an ultimate

settlement basis as well as being trended. See the explanatory notes to

Columns (2), (3) and (5) of Table B1.

ROWS (4) AND (5) The loss development factor used here is based on Pennsylvania experience as

shown in Table C2-4. The trend factor used is the total limits First Party Benefits

trend factor as shown in Table C4-3. See the explanatory notes to Columns (2), (3)

and (5) of Table B1.

ROW (6) This factor is from Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

ROWS (9) AND (12) The present loss cost provision is based on the loss costs set forth in Pennsylvania


ROW (13) The indicated total limits loss cost level change is the average projected loss cost in

Line (4) divided by the average present loss cost in Line (12).

ROW (14) The filed total limits loss cost level change is based on the indicated change of

-5.3% for $5,000 Basic Medical, no change in the relativity of 1.25 for $5,000

Basic Medical to $10,000 Added Medical, and the -10.0% change to the loss costs

for excess Medical over $10,000 and all non-medical coverages.



PENNSYLVANIA


OVERVIEW OF CALCULATION OF FILED LOSS COSTS BY TERRITORY FOR

LIABILITY AND PHYSICAL DAMAGE COVERAGES

OBJECTIVE The objective of this procedure is to distribute the statewide loss cost indication by

territory. In other words, what percentage changes by territory should be made in

order to equitably achieve an adequate statewide prospective loss cost level? The

percentage changes by territory are then applied to present base class loss costs to

produce filed base class loss costs.

OVERVIEW OF

PROCEDURE

This procedure compares the individual territory experience ratios to the statewide

average experience ratio. The territory experience ratio is calculated for the latest

3 years and a statewide weighted average experience ratio for the same period is

calculated based on the earned car years. The territory experience ratio is then

credibility weighted with the statewide average experience ratio to produce a

credibility-weighted ratio. To determine the territory index to state, the credibility-

weighted ratio is compared to the statewide credibility weighted average

experience ratio. This index multiplied by the statewide filed change produces the

filed percentage change for the individual territories and is applied to the present

territory base class loss cost to produce the filed base class loss cost by territory.

Filed base class loss costs by territory have been offset to reflect the change in base

model year. The offsets for the change in base model year are shown in Tables

C121 and C122.



PENNSYLVANIA


TABLE B4-1

CALCULATION OF FILED SEMI-ANNUAL LOSS COSTS BY TERRITORY

BODILY INJURY

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Pres. 15/30 Full Tort Limited Tort

Earned Avg. Loss Cost 15/30 15/30

Car Years Loss 3 Yrs. Exper- Cred. Index Base Class Base Class

Yr. Ended Cost Ended ience Wtd. (6) To Loss Cost Loss Cost

Terr. 12/31/2016 Prov. 12/31/2016 Ratio Cred Ratio State Pres. Filed Pres. Filed

1 27,865 $156.54 $139.43 0.891 0.5 0.934 0.953 $118 $107 $ 70 $ 64

3 72,842 44.39 43.99 0.991 0.6 0.985 1.005 31 30 18 18

5 22,787 58.77 56.45 0.961 0.3 0.972 0.992 42 40 25 24

6 27,586 45.54 47.15 1.035 0.3 0.994 1.014 36 35 21 21

7 28,968 42.04 37.81 0.899 0.3 0.954 0.973 31 29 18 17

8 25,577 54.78 49.39 0.902 0.3 0.955 0.974 39 36 23 21

9 12,385 45.96 38.63 0.841 0.2 0.950 0.969 34 31 20 18

10 3,932 36.30 32.96 0.908 0.1 0.970 0.990 28 26 16 15

12 54,889 39.89 38.17 0.957 0.4 0.969 0.989 30 28 18 16

14 41,641 163.05 156.54 0.960 0.7 0.965 0.985 129 121 77 72

21 44,059 41.79 42.14 1.008 0.4 0.989 1.009 32 31 19 18

22 22,152 33.30 32.36 0.972 0.2 0.976 0.996 27 26 16 15

23 137,893 34.31 32.53 0.948 0.7 0.957 0.977 27 25 16 15

24 9,512 34.13 25.19 0.738 0.1 0.953 0.972 29 27 17 16



PENNSYLVANIA


TABLE B4-1 (Cont'd)


BODILY INJURY

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)






25 5,950 $41.15 $44.60 1.084 0.1 0.988 1.008 $ 29 $ 28 $ 17 $ 16

27 22,855 28.81 25.09 0.871 0.2 0.956 0.976 21 20 12 12

34 24,431 41.12 38.34 0.932 0.3 0.964 0.984 30 28 18 16

38 46,550 36.42 33.76 0.927 0.4 0.957 0.977 27 25 16 15

39 15,570 42.58 31.44 0.738 0.2 0.929 0.948 32 29 19 17

40 6,322 28.99 28.70 0.990 0.1 0.978 0.998 22 21 13 12

41 133,338 86.77 87.01 1.003 1.0 1.003 1.023 64 63 38 37

42 43,342 76.54 82.41 1.077 0.5 1.027 1.048 60 60 36 36

43 111,193 59.37 58.19 0.980 0.7 0.979 0.999 45 44 27 26

45 83,930 53.37 55.46 1.039 0.6 1.014 1.035 40 40 24 24

46 30,765 32.58 30.73 0.943 0.3 0.967 0.987 23 22 13 13

47 19,690 33.48 35.86 1.071 0.2 0.996 1.016 25 24 15 14

48 4,363 28.54 27.69 0.970 0.1 0.976 0.996 25 24 15 14

49 50,475 30.78 27.54 0.895 0.4 0.944 0.963 23 21 13 12



PENNSYLVANIA


TABLE B4-1 (Cont'd)


BODILY INJURY

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)






51 13,500 $41.43 $39.69 0.958 0.2 0.973 0.993 $ 32 $ 30 $ 19 $ 18

52 29,011 28.08 32.55 1.159 0.3 1.032 1.053 22 22 13 13

53 56,500 23.30 26.31 1.129 0.3 1.023 1.044 19 19 11 11

54 19,352 25.50 24.53 0.962 0.2 0.974 0.994 21 20 12 12

55 60,484 55.11 55.25 1.003 0.5 0.990 1.010 44 42 26 25

56 7,158 33.48 38.36 1.146 0.1 0.994 1.014 26 25 15 15

57 15,247 31.52 32.11 1.019 0.2 0.985 1.005 25 24 15 14

58 35,455 52.63 49.46 0.940 0.4 0.962 0.982 39 37 23 22

59 40,433 41.38 40.62 0.982 0.4 0.979 0.999 31 30 18 18

61 15,580 32.71 34.02 1.040 0.2 0.990 1.010 25 24 15 14

70 7,828 48.79 43.39 0.889 0.2 0.959 0.979 36 34 21 20

71 13,929 25.13 22.85 0.909 0.1 0.970 0.990 20 19 12 11

State- 1,445,339 52.52 51.31 0.977

0.980

Wide



PENNSYLVANIA


TABLE B4-2


PROPERTY DAMAGE

(1) (2) (3) (4) (5) (6) (7) (8) (9)

Pres. $5,000

Earned Avg. Loss Cost $5,000

Car Years Loss 3 Yrs. Exper- Cred. Index Base Class

Yr. Ended Cost Ended ience Wtd. (6) To Loss Cost

Terr. 12/31/2016 Prov. 12/31/2016 Ratio Cred Ratio State Pres. Filed

1 27,865 $130.81 $120.75 0.923 1.0 0.923 1.030 $ 71 $ 72

3 72,842 128.95 114.49 0.888 1.0 0.888 0.991 72 71

5 22,787 101.89 86.17 0.846 0.8 0.856 0.955 58 55

6 27,586 108.57 101.54 0.935 1.0 0.935 1.044 63 65

7 28,968 107.79 96.94 0.899 1.0 0.899 1.003 61 61

8 25,577 89.07 80.05 0.899 0.9 0.899 1.003 51 51

9 12,385 126.35 110.09 0.871 0.7 0.878 0.980 71 69

10 3,932 98.83 86.78 0.878 0.3 0.890 0.993 56 55

12 54,889 100.24 92.03 0.918 1.0 0.918 1.025 57 58

14 41,641 151.41 131.47 0.868 1.0 0.868 0.969 86 83

21 44,059 78.20 69.34 0.887 1.0 0.887 0.990 46 45

22 22,152 82.58 72.68 0.880 0.7 0.885 0.988 49 48

23 137,893 84.43 76.08 0.901 1.0 0.901 1.006 49 49

24 9,512 67.00 59.72 0.891 0.4 0.893 0.997 40 40



PENNSYLVANIA


TABLE B4-2 (Cont'd)


PROPERTY DAMAGE

(1) (2) (3) (4) (5) (6) (7) (8) (9)

Pres. $5,000





25 5,950 $99.92 $86.43 0.865 0.4 0.883 0.985 $ 55 $ 54

27 22,855 85.86 78.18 0.911 0.8 0.908 1.013 49 49

34 24,431 97.32 88.27 0.907 0.9 0.906 1.011 56 56

38 46,550 91.13 80.94 0.888 1.0 0.888 0.991 53 52

39 15,570 79.72 65.15 0.817 0.6 0.848 0.946 47 44

40 6,322 87.34 81.94 0.938 0.4 0.912 1.018 49 49

41 133,338 134.90 121.00 0.897 1.0 0.897 1.001 76 75

42 43,342 114.72 106.41 0.928 1.0 0.928 1.036 66 68

43 111,193 112.83 101.24 0.897 1.0 0.897 1.001 64 63

45 83,930 110.26 101.08 0.917 1.0 0.917 1.023 63 64

46 30,765 109.36 97.13 0.888 1.0 0.888 0.991 62 61

47 19,690 98.75 87.89 0.890 0.8 0.891 0.994 57 56

48 4,363 78.77 71.49 0.908 0.3 0.899 1.003 47 47

49 50,475 91.08 79.03 0.868 1.0 0.868 0.969 52 50



PENNSYLVANIA


TABLE B4-2 (Cont'd)


PROPERTY DAMAGE

(1) (2) (3) (4) (5) (6) (7) (8) (9)

Pres. $5,000





51 13,500 $80.00 $71.20 0.890 0.6 0.892 0.996 $ 46 $ 45

52 29,011 74.99 66.77 0.890 0.8 0.891 0.994 44 43

53 56,500 72.04 63.37 0.880 1.0 0.880 0.982 42 41

54 19,352 80.20 70.89 0.884 0.7 0.887 0.990 47 46

55 60,484 81.47 72.61 0.891 1.0 0.891 0.994 48 47

56 7,158 89.35 80.55 0.902 0.4 0.898 1.002 52 52

57 15,247 95.41 88.30 0.925 0.7 0.916 1.022 55 56

58 35,455 113.96 101.86 0.894 1.0 0.894 0.998 65 64

59 40,433 95.59 83.03 0.869 1.0 0.869 0.970 55 53

61 15,580 81.23 71.71 0.883 0.6 0.888 0.991 48 47

70 7,828 123.07 113.59 0.923 0.6 0.912 1.018 71 72

71 13,929 80.36 73.51 0.915 0.6 0.907 1.012 47 47

State- 1,445,339 102.54 91.82 0.895

0.896

Wide



PENNSYLVANIA


TABLE B4-3



(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Pres. Basic Full Tort Limited Tort

Earned Avg. Loss Cost Basic Basic




1 27,865 $69.50 $66.84 0.962 0.8 0.968 0.977 $ 79 $ 73 $ 47 $ 43

3 72,842 26.68 27.28 1.022 1.0 1.022 1.031 30 29 18 17

5 22,787 30.72 31.31 1.019 0.5 1.006 1.015 36 35 21 21

6 27,586 29.77 30.42 1.022 0.6 1.010 1.019 39 38 23 22

7 28,968 24.09 25.83 1.072 0.6 1.040 1.049 29 29 17 17

8 25,577 31.77 32.57 1.025 0.6 1.012 1.021 37 36 22 21

9 12,385 30.73 29.91 0.973 0.4 0.984 0.993 37 35 22 21

10 3,932 18.96 17.22 0.908 0.1 0.984 0.993 24 23 14 13

12 54,889 23.25 24.14 1.038 0.8 1.029 1.038 29 29 17 17

14 41,641 87.34 82.53 0.945 1.0 0.945 0.954 108 98 64 58

21 44,059 25.39 26.37 1.039 0.7 1.025 1.034 32 31 19 18

22 22,152 24.16 22.71 0.940 0.4 0.971 0.980 33 31 19 18

23 137,893 22.03 21.09 0.957 1.0 0.957 0.966 29 27 17 16

24 9,512 20.82 18.21 0.875 0.3 0.957 0.966 29 27 17 16



PENNSYLVANIA


TABLE B4-3 (Cont'd)



(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)






25 5,950 $19.47 $16.67 0.856 0.2 0.965 0.974 $ 23 $ 21 $ 13 12

27 22,855 15.46 15.27 0.988 0.4 0.990 0.999 19 18 11 10

34 24,431 25.70 23.37 0.909 0.5 0.951 0.960 31 29 18 17

38 46,550 25.15 26.44 1.051 0.7 1.033 1.042 31 31 18 18

39 15,570 26.66 28.58 1.072 0.4 1.024 1.033 33 32 19 19

40 6,322 19.69 17.97 0.913 0.2 0.976 0.985 25 24 15 14

41 133,338 36.21 36.52 1.009 1.0 1.009 1.018 44 42 26 25

42 43,342 39.28 39.70 1.011 0.8 1.007 1.016 51 49 30 29

43 111,193 30.49 30.32 0.994 1.0 0.994 1.003 39 37 23 22

45 83,930 24.58 24.64 1.002 0.9 1.001 1.010 31 30 18 18

46 30,765 23.84 24.48 1.027 0.6 1.013 1.022 28 27 16 16

47 19,690 26.77 27.46 1.026 0.5 1.009 1.018 33 32 19 19

48 4,363 18.57 16.92 0.911 0.1 0.984 0.993 27 25 16 15

49 50,475 24.08 22.79 0.946 0.7 0.960 0.969 30 29 18 17



PENNSYLVANIA


TABLE B4-3 (Cont'd)



(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)






51 13,500 $24.82 $23.65 0.953 0.4 0.976 0.985 $ 32 $ 30 $ 19 $ 18

52 29,011 20.60 21.34 1.036 0.5 1.014 1.023 27 26 16 15

53 56,500 18.32 18.16 0.991 0.7 0.991 1.000 25 24 15 14

54 19,352 18.49 18.03 0.975 0.4 0.985 0.994 25 24 15 14

55 60,484 29.72 28.74 0.967 0.8 0.972 0.981 39 36 23 21

56 7,158 20.05 20.59 1.027 0.2 0.999 1.008 26 25 15 15

57 15,247 22.00 22.92 1.042 0.4 1.012 1.021 29 28 17 16

58 35,455 31.27 29.51 0.944 0.7 0.958 0.967 38 35 22 21

59 40,433 27.22 26.66 0.979 0.7 0.983 0.992 34 32 20 19

61 15,580 22.42 23.00 1.026 0.4 1.006 1.015 28 27 16 16

70 7,828 32.70 36.07 1.103 0.3 1.025 1.034 39 38 23 22

71 13,929 19.56 19.24 0.984 0.3 0.990 0.999 26 25 15 15

State- 1,445,339 29.20 28.97 0.992

0.991

Wide



PENNSYLVANIA


TABLE B4-4


$500 DEDUCTIBLE COMPREHENSIVE

(1) (2) (3) (4) (5) (6) (7) (8) (9)

Pres. $500 Ded. $500 Ded.

Earned Avg. Loss Cost 2019 Symbol 11




1 23,176 $87.46 $74.41 0.851 0.9 0.853 0.975 $ 37 $ 35

3 66,415 53.22 45.16 0.849 1.0 0.849 0.970 25 24

5 20,184 60.19 48.01 0.798 0.8 0.813 0.929 30 27

6 24,153 56.48 53.18 0.942 1.0 0.942 1.077 29 30

7 25,938 50.09 48.50 0.968 1.0 0.968 1.106 25 27

8 22,086 51.79 48.96 0.945 0.9 0.938 1.072 26 27

9 11,313 55.41 51.59 0.931 0.7 0.914 1.045 28 28

10 3,411 65.05 46.55 0.716 0.3 0.827 0.945 35 32

12 48,660 48.08 43.31 0.901 1.0 0.901 1.030 25 25

14 34,885 66.28 54.55 0.823 1.0 0.823 0.941 33 30

21 37,161 96.75 87.23 0.902 1.0 0.902 1.031 51 51

22 19,464 69.25 60.27 0.870 1.0 0.870 0.994 38 37

23 117,597 62.73 55.29 0.881 1.0 0.881 1.007 35 34

24 7,845 148.09 129.02 0.871 0.7 0.872 0.997 89 86



PENNSYLVANIA


TABLE B4-4 (Cont'd)



(1) (2) (3) (4) (5) (6) (7) (8) (9)






25 5,406 $50.39 $38.74 0.769 0.5 0.822 0.939 $ 24 $ 22

27 20,637 49.68 46.13 0.929 1.0 0.929 1.062 25 26

34 21,495 85.00 71.02 0.836 1.0 0.836 0.955 41 38

38 41,025 77.16 68.09 0.882 1.0 0.882 1.008 40 39

39 12,137 103.81 89.55 0.863 0.7 0.867 0.991 54 52

40 5,507 60.70 55.70 0.918 0.5 0.897 1.025 32 32

41 120,136 56.55 49.96 0.883 1.0 0.883 1.009 25 24

42 38,487 50.12 42.39 0.846 1.0 0.846 0.967 24 22

43 102,888 67.43 58.88 0.873 1.0 0.873 0.998 32 31

45 76,797 83.66 72.95 0.872 1.0 0.872 0.997 39 38

46 28,555 57.39 48.48 0.845 1.0 0.845 0.966 27 25

47 17,021 73.48 60.82 0.828 1.0 0.828 0.946 39 36

48 3,961 125.60 116.80 0.930 0.6 0.908 1.038 69 69

49 44,819 124.55 108.35 0.870 1.0 0.870 0.994 63 61



PENNSYLVANIA


TABLE B4-4 (Cont'd)



(1) (2) (3) (4) (5) (6) (7) (8) (9)






51 11,927 $99.02 $88.05 0.889 0.8 0.886 1.013 $ 54 $ 53

52 24,386 116.09 100.72 0.868 1.0 0.868 0.992 63 61

53 48,540 105.13 94.74 0.901 1.0 0.901 1.030 58 58

54 16,747 147.89 131.47 0.889 1.0 0.889 1.016 83 82

55 50,944 121.18 104.89 0.866 1.0 0.866 0.990 63 60

56 6,482 110.55 98.71 0.893 0.7 0.888 1.015 60 59

57 12,963 72.63 63.00 0.867 0.7 0.869 0.993 38 37

58 31,195 54.93 44.14 0.804 1.0 0.804 0.919 27 24

59 36,174 70.51 57.97 0.822 1.0 0.822 0.939 35 32

61 12,784 66.07 62.90 0.952 0.9 0.944 1.079 37 39

70 6,806 52.16 47.73 0.915 0.5 0.895 1.023 27 27

71 12,147 92.86 87.42 0.941 0.8 0.928 1.061 51 52

State- 1,272,254 74.29 64.98 0.875

0.875

Wide



PENNSYLVANIA


TABLE B4-5


$500 DEDUCTIBLE COLLISION

(1) (2) (3) (4) (5) (6) (7) (8) (9)






1 22,232 $452.93 $389.29 0.859 1.0 0.859 0.999 $ 231 $ 215

3 64,118 281.00 246.03 0.876 1.0 0.876 1.019 160 152

5 18,700 260.64 212.39 0.815 1.0 0.815 0.948 153 135

6 22,439 259.71 229.68 0.884 1.0 0.884 1.028 163 156

7 24,434 234.16 208.67 0.891 1.0 0.891 1.036 145 140

8 20,619 234.26 200.16 0.854 1.0 0.854 0.993 141 130

9 10,711 257.08 218.46 0.850 0.8 0.852 0.991 158 146

10 3,168 212.17 206.44 0.973 0.4 0.905 1.052 138 135

12 45,595 213.67 186.27 0.872 1.0 0.872 1.014 137 129

14 33,318 426.91 366.69 0.859 1.0 0.859 0.999 253 235

21 34,026 225.98 196.60 0.870 1.0 0.870 1.012 146 138

22 17,558 211.52 177.72 0.840 0.9 0.842 0.979 142 129

23 108,244 193.58 166.61 0.861 1.0 0.861 1.001 131 122

24 6,399 209.43 169.79 0.811 0.5 0.836 0.972 152 138



PENNSYLVANIA


TABLE B4-5 (Cont'd)



(1) (2) (3) (4) (5) (6) (7) (8) (9)






25 5,000 $231.94 $196.66 0.848 0.5 0.854 0.993 $ 138 $ 128

27 19,446 197.01 173.89 0.883 1.0 0.883 1.027 123 118

34 20,443 240.69 208.73 0.867 1.0 0.867 1.008 144 135

38 38,744 225.19 191.96 0.852 1.0 0.852 0.991 140 129

39 11,389 215.88 184.01 0.852 0.7 0.854 0.993 137 127

40 5,154 208.01 181.48 0.872 0.5 0.866 1.007 128 120

41 115,989 316.90 279.45 0.882 1.0 0.882 1.026 177 169

42 36,731 264.98 231.28 0.873 1.0 0.873 1.015 160 151

43 97,965 262.44 221.02 0.842 1.0 0.842 0.979 153 140

45 73,596 277.48 243.61 0.878 1.0 0.878 1.021 163 155

46 27,546 255.50 217.06 0.850 1.0 0.850 0.988 147 135

47 16,011 243.99 209.41 0.858 1.0 0.858 0.998 152 141

48 3,668 201.07 175.18 0.871 0.4 0.864 1.005 134 125

49 41,570 236.87 191.98 0.810 1.0 0.810 0.942 146 128



PENNSYLVANIA


TABLE B4-5 (Cont'd)



(1) (2) (3) (4) (5) (6) (7) (8) (9)






51 11,024 $210.96 $185.69 0.880 0.7 0.874 1.016 $ 134 $ 127

52 22,285 212.26 173.82 0.819 1.0 0.819 0.952 139 123

53 44,079 192.77 162.70 0.844 1.0 0.844 0.981 129 118

54 15,362 216.70 178.58 0.824 0.9 0.828 0.963 145 130

55 46,117 264.68 221.07 0.835 1.0 0.835 0.971 168 152

56 6,029 239.70 179.84 0.750 0.5 0.805 0.936 156 136

57 11,973 243.24 207.14 0.852 0.8 0.854 0.993 156 144

58 28,978 252.65 221.64 0.877 1.0 0.877 1.020 153 145

59 33,247 240.47 205.30 0.854 1.0 0.854 0.993 147 136

61 11,758 211.94 177.27 0.836 0.8 0.841 0.978 141 128

70 6,478 281.35 243.42 0.865 0.7 0.864 1.005 172 161

71 11,100 204.23 187.36 0.917 0.7 0.900 1.047 137 134

State- 1,193,243 254.84 219.19 0.860

0.860

Wide



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES B4-1 TO B4-5

COLUMN (1) EARNED CAR YEARS

The exposures for liability and physical damage coverages are those

exposures which have been earned during the latest available accident year

ending 12/31/2016.

COLUMN (2) PRESENT AVERAGE LOSS COST PROVISION

For liability and physical damage, the average loss cost is based on the

accident year ending 12/31/2016 exposure distribution and reflects the base

class loss costs as set forth in Pennsylvania Personal Auto Filing,

PP-2016-BRLA1.

COLUMN (3) LOSS COST 3 YEARS ENDED 12/31/2016

The experience loss cost (losses ÷ exposures) is based on three years of

experience for purposes of stability.

LIABILITY

COVERAGES

(TABLES B4-1 TO B4-3)

For Bodily Injury, Property Damage and First Party Benefits this is based on

the three accident years ended 12/31/2016, which have been developed to an

ultimate settlement basis and include all loss adjustment expenses.

PHYSICAL DAMAGE

COVERAGES

(TABLES B4-4 AND B4-5)

If a territory's wind and water loss percentage for a given year measurably

exceeds its historical normal wind and water percentage, an adjustment to the

wind and water losses is necessary. The loss costs for Comprehensive are

adjusted by territory by replacing actual wind and water losses incurred in the

latest three years with a long-term territory wind and water provision. For

Comprehensive and Collision, the loss costs are based on the three calendar

years ended 12/31/2016 and include all loss adjustment expenses.

COLUMN (4) EXPERIENCE RATIO

For each coverage, a ratio by territory is derived by dividing the three-year

experience loss cost, Column (3), by the present average loss cost provision,

Column (2).


The ratio thus calculated is assigned a credibility value on the basis of the

number of claims underlying the three-year loss cost. The complement of the

credibility is assigned to the statewide ratio appearing in Column (4). The

number of claims for each territory is displayed in Table C9.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES B4-1 TO B4-5 (Cont'd)

COLUMN (6) CREDIBILITY-WEIGHTED RATIO

The credibility-weighted ratio is a weighted average of the territory ratio and

the statewide ratio. The formula is as follows:

[Terr. Col. (4) x Terr. Col. (5)] + [SW Col. (4) x (1.0 - Terr. Col. (5))]

COLUMN (7) INDEX TO STATE

Territory indices to state are calculated by dividing the territory's credibility-

weighted ratio (Column (6)) by the statewide ratio. To avoid extreme

fluctuations in territory loss costs, the territory loss costs are limited by

bounding the territory index to state above by 1.250 and below by .800, if

applicable, such that no additional overall change in loss cost level results.

[Territory Column (6) ÷ SW Column (6)]

COLUMN (8) PRESENT BASE CLASS LOSS COST

For Liability, the present base class loss costs are the loss costs set forth in

Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

For Physical Damage, the present loss costs are based on the loss costs set

forth in Pennsylvania Personal Auto Filing, PP-2016-BRLA1 for Model Year

2019, Symbol 11 vehicles.

COLUMN (9) FILED BASE CLASS LOSS COST

LIABILITY

COVERAGES

(TABLES B4-1 TO B4-3)

For each Liability coverage, the filed base class loss cost for a particular

territory was calculated by multiplying the present base class loss cost by the

statewide filed change from Table B1, and the territory index to state. Filed

base class loss costs are calculated at the state's financial responsibility limit.

Bodily Injury Territory 1: $118 x 0.955 x 0.953 = $107

As a result of previous correspondence with the Pennsylvania Insurance

Department, filed loss costs for certain territories were adjusted to maintain

the minimum limited tort differential on a territory-by-territory basis and to

maintain revenue neutrality.

For Bodily Injury, Territory 43 was adjusted.

For First Party Benefits, Territories 34, 40, and 49 were adjusted.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES B4-1 TO B4-5 (Cont'd)

COLUMN (9) (Cont'd) For Physical Damage, the filed loss costs in Column (9) are Model Year 2019,

Symbol 11.

PHYSICAL DAMAGE

COVERAGES


They have been offset to reflect the change in base model year from 2018 to

2019. The offset factors applied are 0.994 and 1.008 for Comprehensive and

Collision, respectively. (See Tables C12-1 and C12-2.)

For each Physical Damage coverage, the filed base class loss cost for a particular

territory was calculated by multiplying the present base class loss cost by the

statewide filed change from Table B2, the territory index to state, and the offset

necessary to introduce the change in base model year on a revenue neutral basis.

The resulting filed base class loss costs appear in Column (9).

Comprehensive Territory 1: $37 x 0.975 x 0.975 x 0.994 = $35

Collision Territory 1: $231 x 0.924 x 0.999 x 1.008 = $215

COLUMN (10) PRESENT LIMITED TORT BASE CLASS LOSS COST

LIABILITY

COVERAGES


Present Limited Tort Bodily Injury and First Party Benefits base class loss

costs are contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

COLUMN (11) FILED LIMITED TORT BASE CLASS LOSS COST

LIABILITY

COVERAGES


For Bodily Injury and Basic Medical First Party Benefits, the filed Limited

Tort base class loss cost for a particular territory was calculated by applying

to the filed Full Tort base class loss cost the filed differential between Full

Tort and Limited Tort loss costs. This differential is 0.5946.

As a result of previous correspondence with the Pennsylvania Insurance

Department, filed loss costs for certain territories were adjusted to maintain

the minimum limited tort differential on a territory-by-territory basis and to

maintain revenue neutrality.

Bodily Injury, Limited Tort, Territory 1: $107 x 0.5946 = $64

For Bodily Injury, Territories 12, 25, and 34 were adjusted.

For First Party Benefits, Territories 6, 10, 27, 57, and 70 were adjusted.



PENNSYLVANIA


TABLE B5-1

CALCULATION OF FILED FULL TORT SEMI-ANNUAL LOSS COSTS BY TERRITORY

SINGLE LIMIT LIABILITY

(1) (2) (3) (4) (5) (6)

Filed Filed Filed Filed Present Filed

15/30 35/35 $5,000 $35,000 $35,000 $35,000

BI Loss BI Loss PD Loss PD Loss S/L Loss S/L Loss

Terr. Cost Cost Cost Cost Cost Cost

1 $107 $155.15 $72 $104.40 $263 $248

3 30 43.50 71 102.95 145 142

5 40 58.00 55 79.75 139 132

6 35 50.75 65 94.25 138 140

7 29 42.05 61 88.45 129 126

8 36 52.20 51 73.95 125 121

9 31 44.95 69 100.05 147 140

10 26 37.70 55 79.75 117 113

12 28 40.60 58 84.10 122 120

14 121 175.45 83 120.35 299 283

21 31 44.95 45 65.25 108 105

22 26 37.70 48 69.60 106 103

23 25 36.25 49 71.05 106 103

24 27 39.15 40 58.00 96 93

25 28 40.60 54 78.30 117 115

27 20 29.00 49 71.05 98 97

34 28 40.60 56 81.20 120 117

38 25 36.25 52 75.40 112 108

39 29 42.05 44 63.80 110 101

40 21 30.45 49 71.05 100 98

41 63 91.35 75 108.75 193 190

42 60 87.00 68 98.60 173 176

43 44 63.80 63 91.35 151 148

45 40 58.00 64 92.80 143 145

46 22 31.90 61 88.45 120 117

47 24 34.80 56 81.20 115 112

48 24 34.80 47 68.15 101 99

49 21 30.45 50 72.50 105 100

51 30 43.50 45 65.25 108 104

52 22 31.90 43 62.35 92 91

53 19 27.55 41 59.45 86 84

54 20 29.00 46 66.70 95 93

55 42 60.90 47 68.15 127 123

56 25 36.25 52 75.40 109 108

57 24 34.80 56 81.20 112 112

58 37 53.65 64 92.80 145 141

59 30 43.50 53 76.85 120 116

61 24 34.80 47 68.15 102 99

70 34 49.30 72 104.40 150 148

71 19 27.55 47 68.15 94 93



PENNSYLVANIA


TABLE B5-2

CALCULATION OF FILED LIMITED TORT SEMI-ANNUAL LOSS COSTS BY TERRITORY

SINGLE LIMIT LIABILITY

(1) (2) (3) (4) (5) (6)

Filed Filed Filed Filed Present Filed

15/30 35/35 $5,000 $35,000 $35,000 $35,000

BI Loss BI Loss PD Loss PD Loss S/L Loss S/L Loss

Terr. Cost Cost Cost Cost Cost Cost

1 $64 $92.80 $72 $104.40 $194 $187

3 18 26.10 71 102.95 128 126

5 24 34.80 55 79.75 117 111

6 21 30.45 65 94.25 119 121

7 17 24.65 61 88.45 112 110

8 21 30.45 51 73.95 104 101

9 18 26.10 69 100.05 129 123

10 15 21.75 55 79.75 102 99

12 16 23.20 58 84.10 106 105

14 72 104.40 83 120.35 225 214

21 18 26.10 45 65.25 91 89

22 15 21.75 48 69.60 92 89

23 15 21.75 49 71.05 92 90

24 16 23.20 40 58.00 80 79

25 16 23.20 54 78.30 102 99

27 12 17.40 49 71.05 87 87

34 16 23.20 56 81.20 105 102

38 15 21.75 52 75.40 98 95

39 17 24.65 44 63.80 93 86

40 12 17.40 49 71.05 88 87

41 37 53.65 75 108.75 159 157

42 36 52.20 68 98.60 142 145

43 26 37.70 63 91.35 128 125

45 24 34.80 64 92.80 122 124

46 13 18.85 61 88.45 107 105

47 14 20.30 56 81.20 102 99

48 14 20.30 47 68.15 88 86

49 12 17.40 50 72.50 92 88

51 18 26.10 45 65.25 91 89

52 13 18.85 43 62.35 81 79

53 11 15.95 41 59.45 75 74

54 12 17.40 46 66.70 84 82

55 25 36.25 47 68.15 103 101

56 15 21.75 52 75.40 95 95

57 14 20.30 56 81.20 99 99

58 22 31.90 64 92.80 124 121

59 18 26.10 53 76.85 103 100

61 14 20.30 47 68.15 89 86

70 20 29.00 72 104.40 130 130

71 11 15.95 47 68.15 84 82



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE B5

COLUMN (1)

Filed Bodily Injury loss costs as derived in Table B4-1, Column (9) for Table B5-1

and Column (11) for Table B5-2.

COLUMN (2)

The filed 35/35 Bodily Injury loss costs are calculated by multiplying the loss costs

in Column (1) by the 35/35 BI increased limit factor.

Territory 1: $107 x 1.45 = $155.15

COLUMN (3) Filed Property Damage loss costs as derived in Table B4-2, Column (9).

COLUMN (4)

The filed $35,000 Property Damage loss costs are calculated by multiplying the

loss costs in Column (3) by the $35,000 PD increased limit factor.

Territory 1: $72 x 1.45 = $104.40

COLUMN (5) Present loss costs shown for Single Limit are contained in Pennsylvania Personal

Auto Filing, PP-2016-BRLA1.

COLUMN (6) The filed Single Limit loss costs are calculated by applying a discount of 10.6% to

the lower of the 35/35 BI and $35,000 PD loss costs in Columns (2) and (4), in

accordance with the single limit rule to reflect the lesser coverage provided by the

single limit package.

Territory 1: ($155.15 x 1.000) + ($104.40 x 0.894) = $248




























































COPYRIGHT NOTICE

































































COPYRIGHT NOTICE



































































COPYRIGHT NOTICE






© Insurance Services Office, Inc., 2017 Pennsylvania PP-2017-BRLA1 C-1


PENNSYLVANIA


SECTION C – SUPPORTING MATERIAL

Loss Adjustment Expenses....................................................................................... C-2-5

Liability ........................................................................................................... C-3-4

Physical Damage ............................................................................................. C-5

Loss Development .................................................................................................. C-6-11

Loss Trend .............................................................................................................. C-12-25

Wind and Water Procedure .................................................................................... C-26-31

Symbol Premium Trend ......................................................................................... C-32-40

Model Year Premium Trend .................................................................................. C-41-46

Claims by Territory ................................................................................................ C-47

Credibility Tables ................................................................................................... C-48

Average Increased Limits Factors and Average Deductible Relativities ............... C-49-51

Change in Model Year Base................................................................................... C-52-54

Supplemental Loss Cost Information ..................................................................... C-55

Machine Processing Information ........................................................................... C-56

Model Year and Symbol Relativities ..................................................................... C-57-60



PENNSYLVANIA


LOSS ADJUSTMENT EXPENSE FACTORS AND PAID TO INCURRED LOSS FACTORS

OBJECTIVE The reported indemnity losses must be loaded for any loss adjustment expenses

(LAE) that are not reported in statistical detail to ISO and, for the physical damage

coverages, must be adjusted to an incurred basis.

LIABILITY

COVERAGES

For the liability coverages, allocated loss adjustment expenses are reported in

detail to ISO under the Personal Automobile Statistical Plan. Unallocated loss

adjustment expenses must be loaded into the losses. A factor representing the ratio

of the sum of the incurred indemnity losses plus all LAE to the sum of the incurred

indemnity losses plus allocated LAE was selected based on countrywide financial

data for ISO members and subscribers (see Tables C1-1 and C1-2).

PHYSICAL

DAMAGE

COVERAGES

For the physical damage coverages, only the paid indemnity losses are reported.

All loss adjustment expenses must be loaded in and the paid losses must be

adjusted to an incurred basis.

A factor representing the ratio of incurred losses plus all LAE to paid losses was

selected based on countrywide financial data for industrywide agency and direct

writers combined and on countrywide loss data for all Best's reporting companies

(see Table C1-3).



PENNSYLVANIA


TABLE C1-1

LIABILITY

COUNTRYWIDE EXPERIENCE FOR UNALLOCATED LOSS ADJUSTMENT EXPENSE FACTORS

Bodily Injury Liability

2013 2014 2015

(1) Losses Incurred (A) $17,877,489,961 $18,456,119,185 $20,314,314,630

(2) Loss Adjustment Expense Incurred (A) 3,468,946,609 3,410,255,084 3,740,194,429

(3) Allocated Loss Adjustment Expense Incurred (A) 1,334,793,278 1,344,291,390 1,590,241,629

(4) Unallocated Loss Adjustment Expense Incurred (A) 2,134,153,331 2,065,963,694 2,149,952,800

(5) Losses + Allocated Expense (1) + (3) 19,212,283,239 19,800,410,575 21,904,556,259

(6) Unallocated Percentage (4) ÷ (5) x 100% 11.11% 10.43% 9.82%

(7) Three Year Average 10.5%

(8) Selected Provision 10.5%

(A) Based on the Insurance Expense Exhibits and supplements to the Insurance Expense Exhibits for companies that are

members or subscribers of ISO for Personal Auto.



PENNSYLVANIA


TABLE C1-2

LIABILITY

COUNTRYWIDE EXPERIENCE FOR UNALLOCATED LOSS ADJUSTMENT EXPENSE FACTORS

Property Damage Liability

2013 2014 2015



(3) Allocated Loss Adjustment Expense Incurred (A) 168,609,092 122,534,174 126,348,689

(4) Unallocated Loss Adjustment Expense Incurred (A) 1,111,749,589 1,140,837,964 1,178,436,280

(5) Losses + Allocated Expense (1) + (3) 8,132,674,186 8,719,571,664 9,620,729,074

(6) Unallocated Percentage (4) ÷ (5) x 100% 13.67% 13.08% 12.25%

(7) Three Year Average 13.0%


(A) Based on the Insurance Expense Exhibits and supplements to the Insurance Expense Exhibits for companies that are

members or subscribers of ISO for Personal Auto.



PENNSYLVANIA


TABLE C1-3

PHYSICAL DAMAGE

COUNTRYWIDE EXPERIENCE FOR FACTORS TO ADJUST PAID LOSSES

2013 2014 2015



(3) Losses Incurred + Loss Adjustment

Expense Incurred (1) + (2) 49,956,048,000 54,130,550,000 57,740,030,000

(4) Losses and Loss Adjustment Expense Incurred

as Ratio to Losses Incurred (3) ÷ (1) 1.1584 1.1524 1.1491

(5) Losses Incurred (B) 42,955,505,484 46,833,120,796 50,427,939,481

(6) Losses Paid (B) 42,822,783,735 46,706,432,963 50,128,944,547

(7) Ratio of Losses Incurred to Losses Paid (5) ÷ (6) 1.0031 1.0027 1.0060

(8) Factor to Adjust Paid Losses to Incurred Basis

(Including Loss Adjustment Expenses)(4) x (7) 1.1620 1.1555 1.1560

(9) Three Year Average ([Average (8) - 1.0] x 100%) 15.8%


(A) Based on the industrywide Insurance Expense Exhibits for agency and direct writers combined.

(B) Based on Page 14 reports of all Best's reporting companies for Personal Automobile.



PENNSYLVANIA


LOSS DEVELOPMENT

IMPORTANCE OF

APPLICATION

The application of loss development factors recognizes the important ratemaking

concept that all of the losses for a particular accident year have not been finally

determined at the time the experience is compiled.

APPLICATION OF

LOSS DEVELOPMENT

FACTORS

The incurred losses and loss adjustment expenses underlying the statewide loss

cost level indications are for accident years ended December 31, 2015 and

December 31, 2016 and were evaluated as of March 31, 2017.

Accident year ended December 31, 2016 includes all losses and loss adjustment

expenses paid on accidents occurring from January 1, 2016 to December 31,

2016 and all losses and loss adjustment expenses outstanding on those accidents

as of March 31, 2017, 15 months after the inception of the accident year.

Similarly, accident year ended December 31, 2015 includes all losses paid and

outstanding as of 27 months after the inception of the accident year.

Thus, the immature experience reported as of 15 or 27 months must be adjusted

to an ultimate settlement basis. This adjustment is accomplished through the use

of a loss development factor.

ISO's latest analysis has determined that 87 months subsequent to the beginning

of the accident year for Bodily Injury Liability and 39 months subsequent to the

beginning of the accident year for Property Damage Liability and 63 months

subsequent to the beginning of the accident year for First Party Benefits are

sufficiently close to an ultimate settlement basis. The ultimate settlement basis is

87 months subsequent to the beginning of the accident year for Uninsured

Motorists Bodily Injury.

The loss development factors used in this review are based on statewide

experience for Bodily Injury, Property Damage, First Party Benefits and

Uninsured Motorists Bodily Injury.



PENNSYLVANIA


TABLE C2-1

LOSS DEVELOPMENT

BODILY INJURY

Basic Limit Amount: 15,000/30,000 Voluntary Only

All Companies Reporting Non-Miscellaneous Classes

BASIC INCURRED WITH ALAE

ACCIDENT

YEAR ENDED 15 MONTHS 27 MONTHS 39 MONTHS 51 MONTHS 63 MONTHS 75 MONTHS 87 MONTHS

200612 98,138,445 102,015,437 106,928,844 108,898,632 109,214,137 109,299,364 109,371,801

200712 99,514,867 102,878,132 110,633,514 112,396,837 112,354,779 112,297,984 112,257,458

200812 91,202,332 99,656,992 106,181,031 108,240,179 108,489,552 108,697,977 108,918,361

200912 95,677,267 101,280,881 107,070,705 107,996,195 107,760,611 107,994,694 108,089,678

201012 92,608,809 95,609,269 100,804,556 101,995,984 102,246,341 102,650,593 102,784,470

201112 89,281,192 91,505,143 96,362,297 98,741,728 99,239,587 99,335,104

201212 78,216,812 80,791,417 85,856,227 87,462,753 87,786,999

201312 73,172,277 75,692,938 81,758,239 83,241,391

201412 59,691,061 68,245,176 74,804,176

201512 58,016,200 64,742,423

201612 53,056,776

LINK RATIOS

ACCIDENT

YEAR ENDED 27:15 39:27 51:39 63:51 75:63 87:75

200612 1.040 1.048 1.018 1.003 1.001 1.001

200712 1.034 1.075 1.016 1.000 0.999 1.000

200812 1.093 1.065 1.019 1.002 1.002 1.002

200912 1.059 1.057 1.009 0.998 1.002 1.001

201012 1.032 1.054 1.012 1.002 1.004 1.001

201112 1.025 1.053 1.025 1.005 1.001

201212 1.033 1.063 1.019 1.004

201312 1.034 1.080 1.018

201412 1.143 1.096

201512 1.116

3 YEAR 27:15 39:27 51:39 63:51 75:63 87:75

AVERAGE 1.098 1.080 1.021 1.004 1.002 1.001

LOSS DEV 15: 87 27: 87 39: 87 51: 87 63: 87 75: 87

FACTOR 1.219 1.110 1.028 1.007 1.003 1.001



PENNSYLVANIA


TABLE C2-2

LOSS DEVELOPMENT

PROPERTY DAMAGE

Basic Limit Amount: $5,000 Voluntary Only



ACCIDENT

YEAR ENDED 15 MONTHS 27 MONTHS 39 MONTHS

200612 144,208,097 149,620,804 150,434,371

200712 151,719,878 157,374,163 158,205,671

200812 150,004,108 154,090,971 154,475,788

200912 148,449,530 151,839,522 152,343,488

201012 149,330,425 152,986,244 153,329,761

201112 149,233,236 152,708,025 153,226,747

201212 138,025,614 142,536,765 142,728,589

201312 134,872,871 139,597,407 140,201,335

201412 124,580,849 129,208,023 129,823,119

201512 120,856,749 124,853,376

201612 114,890,459

LINK RATIOS

ACCIDENT

YEAR ENDED 27:15 39:27

200612 1.038 1.005

200712 1.037 1.005

200812 1.027 1.002

200912 1.023 1.003

201012 1.024 1.002

201112 1.023 1.003

201212 1.033 1.001

201312 1.035 1.004

201412 1.037 1.005

201512 1.033

3 YEAR 27:15 39:27

AVERAGE 1.035 1.003

LOSS DEV 15: 39 27: 39

FACTOR 1.038 1.003



PENNSYLVANIA


TABLE C2-3

LOSS DEVELOPMENT


Voluntary Only


$5,000 BASIC MEDICAL

ACCIDENT

YEAR ENDED 15 MONTHS 27 MONTHS 39 MONTHS 51 MONTHS 63 MONTHS

200612 72,111,142 69,692,207 69,734,513 69,776,253 69,797,224

200712 70,967,744 68,374,072 68,461,564 68,494,343 68,494,659

200812 65,441,864 63,753,027 63,917,965 64,039,053 64,048,638

200912 64,031,735 62,229,704 62,522,268 62,594,244 62,621,151

201012 60,141,240 58,919,054 59,025,663 59,026,593 59,030,781

201112 57,745,029 56,796,129 56,967,464 57,029,342 57,075,657

201212 51,355,633 50,712,411 50,857,641 50,963,160 51,032,779

201312 49,068,072 47,687,068 47,875,130 48,025,281

201412 39,055,032 38,778,429 39,029,965

201512 37,780,455 36,599,481

201612 36,596,969

LINK RATIOS

ACCIDENT

YEAR ENDED 27:15 39:27 51:39 63:51

200612 0.966 1.001 1.001 1.000

200712 0.963 1.001 1.000 1.000

200812 0.974 1.003 1.002 1.000

200912 0.972 1.005 1.001 1.000

201012 0.980 1.002 1.000 1.000

201112 0.984 1.003 1.001 1.001

201212 0.987 1.003 1.002 1.001

201312 0.972 1.004 1.003

201412 0.993 1.006

201512 0.969

5 YEAR 27:15 39:27 51:39 63:51

AVERAGE 0.981 1.004 1.001 1.000

LOSS DEV 15:63 27:63 39:63 51:63

FACTOR 0.986 1.005 1.001 1.000



PENNSYLVANIA


TABLE C2-4

LOSS DEVELOPMENT


Voluntary Only


TOTAL LIMITS

ACCIDENT

YEAR ENDED 15 MONTHS 27 MONTHS 39 MONTHS 51 MONTHS 63 MONTHS

200612 117,660,530 116,110,309 116,831,092 117,645,578 117,327,595

200712 115,321,337 114,233,426 114,524,456 114,543,635 114,824,493

200812 107,839,135 109,279,752 110,176,070 110,617,435 110,512,984

200912 105,685,520 104,556,353 105,748,090 105,876,084 105,996,342

201012 98,560,331 99,392,549 99,701,188 99,685,418 99,554,668

201112 91,930,816 93,483,143 95,363,825 95,208,477 95,480,615

201212 84,091,545 85,572,147 86,315,883 87,046,256 87,462,714

201312 82,096,848 82,681,502 83,786,918 83,964,614

201412 72,800,556 73,374,454 73,904,160

201512 63,494,033 63,508,920

201612 58,200,406

LINK RATIOS

ACCIDENT

YEAR ENDED 27:15 39:27 51:39 63:51

200612 0.987 1.006 1.007 0.997

200712 0.991 1.003 1.000 1.002

200812 1.013 1.008 1.004 0.999

200912 0.989 1.011 1.001 1.001

201012 1.008 1.003 1.000 0.999

201112 1.017 1.020 0.998 1.003

201212 1.018 1.009 1.008 1.005

201312 1.007 1.013 1.002

201412 1.008 1.007

201512 1.000

5 YEAR 27:15 39:27 51:39 63:51

AVERAGE 1.010 1.010 1.002 1.001

LOSS DEV 15:63 27:63 39:63 51:63

FACTOR 1.023 1.013 1.003 1.001



PENNSYLVANIA


TABLE C2-5

LOSS DEVELOPMENT

UNINSURED MOTORISTS BODILY INJURY

Basic Limit Amount: 15,000/30,000 Voluntary Only



ACCIDENT

YEAR ENDED 15 MONTHS 27 MONTHS 39 MONTHS 51 MONTHS 63 MONTHS 75 MONTHS 87 MONTHS

200612 10,034,146 11,453,105 11,720,321 11,946,584 11,925,270 12,042,040 12,286,565

200712 8,884,303 9,575,783 10,252,063 10,268,195 10,810,201 10,873,912 10,955,403

200812 6,653,976 7,833,509 8,259,199 8,557,001 8,684,028 8,835,184 8,873,742

200912 7,131,377 7,901,756 8,237,244 8,575,332 8,697,392 8,775,311 8,766,201

201012 6,528,046 7,082,320 7,517,145 7,614,148 7,962,396 7,977,354 7,991,736

201112 6,382,092 7,130,911 7,777,023 8,303,577 8,243,220 8,279,294

201212 5,816,656 6,769,064 7,707,481 7,806,103 8,152,049

201312 5,064,817 6,308,366 6,747,515 6,827,324

201412 4,698,764 5,466,854 6,146,951

201512 3,793,230 4,869,642

201612 3,499,494

LINK RATIOS

ACCIDENT

YEAR ENDED 27:15 39:27 51:39 63:51 75:63 87:75

200612 1.141 1.023 1.019 0.998 1.010 1.020

200712 1.078 1.071 1.002 1.053 1.006 1.007

200812 1.177 1.054 1.036 1.015 1.017 1.004

200912 1.108 1.042 1.041 1.014 1.009 0.999

201012 1.085 1.061 1.013 1.046 1.002 1.002

201112 1.117 1.091 1.068 0.993 1.004

201212 1.164 1.139 1.013 1.044

201312 1.246 1.070 1.012

201412 1.163 1.124

201512 1.284

3 YEAR 27:15 39:27 51:39 63:51 75:63 87:75

AVERAGE 1.231 1.111 1.031 1.028 1.005 1.002

LOSS DEV 15: 87 27: 87 39: 87 51: 87 63: 87 75: 87

FACTOR 1.460 1.186 1.067 1.035 1.007 1.002



PENNSYLVANIA


AVERAGE ANNUAL CHANGE IN LOSSES (LOSS TREND)

IMPORTANCE OF

APPLICATION

The application of average annual change in losses to historical data recognizes

two important ratemaking concepts. First, loss costs are being made for use in a

future period based on historical experience. Second, due to economic and social

factors, cost and frequency levels continue to change from those underlying the

historical data.

LOSS TREND

ANALYSIS

Trend Determination. The method of trend determination utilized by ISO in this

revision makes use of the Least Squares Method fitted to the reported time series

data; specifically, an exponential curve represented by the equation Y = AeBx is

fitted to the claim cost and claim frequency data. The parameters A and B are

calculated constants; x is the unit of time; e is the natural logarithm base with a

numerical value of 2.7182818...; and Y is the fitted value on the curve.

ISO uses the latest twelve-point claim cost fit in coming up with the claim cost

trend factor used in the overall pure premium trend factor. However, exceptions to

this procedure have been applied in some cases where the short-term experience

deviates drastically from the longer-term experience. In such cases, ISO has

imposed actuarial judgment to make selections on the final claim cost or pure

premium trend factor used. The fitted claim frequency curves are determined from

the latest 6, 12, and 24 quarterly year-ended experience periods (6, 12, and 24-

point trends).

The trend projection period is the number of years from the average date of loss of

the experience period to the average date of loss underlying the prospective loss

costs.

Average Dates of Loss. The average date of loss of the experience period is the

midpoint of each year of data. This is 7/1/2015 for accident year ending

12/31/2015 and 7/1/2016 for accident year ending 12/31/2016.

The average date of loss underlying the projected loss costs is the midpoint of the

eighteen-month period (5/1/2018 to 11/1/2019) during which a loss could occur on

a policy written during the year following the assumed effective date (5/1/2018).

This assumes that there will be annual revisions, that policies are written for a

period of one year, and that the writing of policies is evenly distributed throughout

the year. The average date of loss is thus nine months past the assumed effective

date, or 2/1/2019.



PENNSYLVANIA


AVERAGE ANNUAL CHANGE IN LOSSES (LOSS TREND) (Cont'd)

LOSS TREND

ANALYSIS (Cont'd)

Historical Data. The historical data is shown in Tables C4-1 to C4-3 for Liability

and Tables C5-1 and C5-2 for Physical Damage. The statewide claim cost trend is

weighted with the comparable regional data, utilizing credibility standards based

on the number of claims underlying the latest year's experience. The credibility

standards are shown in Table C10. The result of weighting the data is the average

annual change in claim costs for each coverage. Regional data is used because

analysis has shown significant variation in claim cost and frequency trends in

different areas of the country. The regional data is shown in Table C4-2 for

Liability coverages and Table C5-2 for Physical Damage.

Paid Claim Frequency Data. The paid claim frequency data over the latest 24

quarterly year-ended points often does not adequately capture the most recent

changes in claims activity. The 24-point period reflects factors such as the growth

of vehicles equipped with air bags, increase in seat belt usage, heightened

awareness of the dangers of drinking and driving, increases in speed limits, the

introduction of anti-fraud initiatives, unusual weather influences, and changes in

economic conditions, which have all affected the general personal automobile

insurance environment. Therefore, to better account for the recent changes in

claims activity, we are relying more heavily on the fits covering more recent

periods in determining the claim frequency selections.

The average annual changes in paid claim frequency are selected based on an

analysis of the latest 6, 12, and 24-point fits of statewide, and regional data, as

appropriate, so as to reflect the trend of the claims activity more accurately. Other

relevant information such as changes in the nature of a coverage or specific state

requirements are also considered.



PENNSYLVANIA


AVERAGE ANNUAL CHANGE IN LOSSES (LOSS TREND) (Cont'd)

LOSS TREND

ANALYSIS (Cont'd)

The average annual changes in claim costs, as determined by the procedure

described above, are consolidated with the selected average annual changes in

claim frequency to obtain the average annual changes in losses as calculated in

Table C3.

Physical Damage. The ISO procedure for Physical Damage trend is to use

Collision claim cost data for $100, $200, $250, and $500 deductibles adjusted to a

$500 deductible level for claim cost trend for both Comprehensive and Collision.

Collision claim cost trend is used for Comprehensive claim cost trend because

Collision trend data is unaffected by catastrophes and, like Comprehensive

coverage, Collision coverage compensates insureds for damages to their vehicles.

Paid claim frequency trend for Collision is selected based on Collision claim

frequency data using the procedure outlined above. A 0% trend continues to be

selected for Comprehensive claim frequency.

Frequency and Pure Premium Selections. ISO continues to analyze the calculated

annual pure premium trends in order to determine if they are appropriate to apply

to the trend projection period. In situations where ISO determines that the

historical trend data may not be fully indicative of future trends, ISO uses

judgment and relies on analyses of external influences to support any final pure

premium trend selections for individual states. The supplemental trend information

section provides a detailed analysis.



PENNSYLVANIA


TABLE C3

TREND SUMMARY

15/30 $5,000

B.I. P.D. F.P.B. Comp. Coll.

CLAIM COSTS

Average Annual Change in Paid Claim Costs

1) State (12 point fit) +0.8% +6.2% -3.6% +3.2% +3.2%

2) Selected +0.8% +6.2% -1.0% +3.2% +3.2%

3) Regional (12 point fit) +1.6% +4.5% +3.4% +3.4%

4) Multistate (12 point fit) +3.5%

5) Credibility (State) 1.00 1.00 1.00 1.00 1.00

6) Credibility (Region) 1.00 1.00 1.00 1.00

7) Weighted Average +0.8% +6.2% -1.0% +3.2% +3.2%

8) Selected +1.5% +5.0% -1.0% +3.2% +3.2%

CLAIM FREQUENCIES

Average Annual Change in Paid Claim Frequencies

9) Selected -1.0% -1.5% 0.0% 0.0%

LOSSES

Average Annual Change in Losses

10) Average Annual Change +0.5% +3.4% -1.0% +3.2% +3.2%

11) Final Selected +0.5% +3.4% -1.0% +3.2% +3.2%



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE C3

ROW (1)

The statewide average annual change in paid claim costs is based on an exponential

curve of best fit for trend data through 1st quarter 2017. The Collision average

annual change in paid claim costs is used for Comprehensive. For FPB, pure

premium trends are used.

ROW (2) A claim cost selection of -1.0% was made for First Party Benefits to reflect the

flattened most recent points

ROW (3)

The regional average annual change in paid claim costs is based on an exponential

curve of best fit for trend data through 1st quarter 2017. States included in the

regional data are listed in Tables C4-2 and C5-2.

ROW (4) For its Personal Automobile reviews (data ending December 31, 2016), ISO has

selected a multistate FBP pure premium trend of +3.5%. This is due to recent

increases in FBP claim costs and medical care CPI indices, which are partially

offset by recent decreases in FBP claim frequencies.

ROWS (5), (6) Credibility is based on the latest year number of claims (see Table C10).

ROW (7) The weighted average annual change in paid claim costs is calculated as follows:

[(2) x (5) + (3) x ((6) - (5)) + (4) x (1.00-(6))]



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE C3 (Cont'd)

ROW (8) A claim cost selection of +1.5% was made for Bodily Injury in order to reflect the

higher six-point fit.

A claim cost selection of +5.0% was made for Property Damage in order to reflect

the lower six-point fit.

ROW (9) CLAIM FREQUENCIES

Bodily Injury. Pennsylvania Bodily Injury claim frequency is decreasing over ten

of the last twelve points. Due to this, a -1.0% claim frequency trend is selected.

Property Damage. Pennsylvania Property Damage claim frequency data is

decreasing over the last twelve points, with strong negative fits. Based on this, a

-1.5% claim frequency trend is selected.

Comprehensive. Comprehensive claim frequency trend is unpredictable over time,

due to catastrophes. A Comprehensive claim frequency trend of 0.0% is selected

in the absence of any other information.

Collision. Pennsylvania Collision claim frequency data is fluctuating over the

twelve points. Due to this, a 0.0% claim frequency trend is selected.

ROW (10) The average annual change is the product of the selected average annual change in

paid claim costs and the selected average annual change in paid claim frequencies:

[(1.0 + (8)) x (1.0 + (9))] - 1.0

ROW (11) No selections were made for the average annual change in losses.



PENNSYLVANIA

PERSONAL AUTOMOBILE LIABILITY TREND DATA

TABLE C4-1

AVERAGE PAID CLAIM COST

$ 15,000 Total Limits $ 5,000

Year Ended Bodily Injury Bodily Injury Property Damage All Basic FPB

06/30/2014 8,235 18,002 2,346 2,691

09/30/2014 8,380 18,259 2,394 2,736

12/31/2014 8,510 18,903 2,449 2,737

03/31/2015 8,590 19,540 2,523 2,766

06/30/2015 8,546 19,844 2,598 2,731

09/30/2015 8,515 19,936 2,645 2,693

12/31/2015 8,416 19,615 2,681 2,704

03/31/2016 8,385 19,390 2,719 2,688

06/30/2016 8,416 19,577 2,729 2,616

09/30/2016 8,451 19,553 2,738 2,532

12/31/2016 8,633 19,510 2,747 2,463

03/31/2017 8,656 19,394 2,740 2,476

03/31/2017

Claims 11,409 11,409 70,034 12,371

Average Annual 6 PT: +2.7% -0.4% +1.6% -8.1%

Change 12 PT: +0.8% +2.2% +6.2% -3.7%

AVERAGE PAID CLAIM FREQUENCY

(Claim Frequency Per 100 Cars)

Year Ended Bodily Injury Property Damage Basic Medical FPB 06/30/2011 0.7257 4.0506 1.2622 09/30/2011 0.7323 4.0155 1.2574 12/31/2011 0.7261 4.0192 1.2426 03/31/2012 0.7350 4.0009 1.2190 06/30/2012 0.7258 3.9830 1.2144 09/30/2012 0.7205 3.9606 1.1981 12/31/2012 0.7117 3.8656 1.1733 03/31/2013 0.7024 3.8190 1.1581 06/30/2013 0.7000 3.8157 1.1477 09/30/2013 0.6880 3.8181 1.1579 12/31/2013 0.6845 3.8439 1.1632 03/31/2014 0.6620 3.8384 1.1747 06/30/2014 0.6410 3.7973 1.1829 09/30/2014 0.6280 3.7103 1.1644 12/31/2014 0.6038 3.6129 1.1701 03/31/2015 0.5931 3.5197 1.1490 06/30/2015 0.5949 3.4565 1.1488 09/30/2015 0.5912 3.4325 1.1549 12/31/2015 0.5877 3.4257 1.1387 03/31/2016 0.5787 3.4105 1.1359

06/30/2016 0.5512 3.3691 1.1457 09/30/2016 0.5436 3.3502 1.1628 12/31/2016 0.5343 3.3222 1.1849 03/31/2017 0.5398 3.3134 1.1885 03/31/2017 Claims 11,409 70,034 12,371 Average Annual 6 PT: -7.5% -2.8% +4.1% Change 12 PT: -6.1% -4.5% +0.1%

24 PT: -6.0% -3.8% -1.2%

Minimum basic first party benefits coverage consists of $5,000 Medical Benefits. Threshold: Full Tort or Limited Verbal Tort.

The Personal Automobile liability share of all insurers included in the ISO trend database in Pennsylvania is 24.5%.



PENNSYLVANIA

PERSONAL AUTO INSURANCE LIABILITY TREND DATA

EAST REGION

TABLE C4-2


$15,000 $5,000

Year Ended Bodily Injury Property Damage

06/30/2014 7,158 2,249

09/30/2014 7,244 2,284

12/31/2014 7,389 2,318

03/31/2015 7,421 2,358

06/30/2015 7,447 2,395

09/30/2015 7,500 2,424

12/31/2015 7,459 2,447

03/31/2016 7,482 2,475

06/30/2016 7,496 2,494

09/30/2016 7,526 2,511

12/31/2016 7,555 2,526

03/31/2017 7,537 2,526

03/31/2017

Claims 63,111 572,010

Average Annual 6 PT: +1.0% +2.6%

Change 12 PT: +1.6% +4.5%

Total Limits Total Limits


06/30/2014 13,178 2,870

09/30/2014 13,233 2,922

12/31/2014 13,567 2,967

03/31/2015 13,686 3,024

06/30/2015 13,650 3,083

09/30/2015 13,785 3,135

12/31/2015 13,733 3,179

03/31/2016 13,780 3,234

06/30/2016 13,963 3,277

09/30/2016 14,169 3,308

12/31/2016 14,104 3,336

03/31/2017 14,024 3,354

03/31/2017

Claims 63,111 572,010

Average Annual 6 PT: +2.2% +4.3%

Change 12 PT: +2.4% +6.1%

Bodily Injury includes Connecticut, Maine, Maryland, New Hampshire, Rhode Island, Vermont, and Virginia.

Property Damage includes Connecticut, Delaware, District of Columbia, Maine, Maryland, New Hampshire, New Jersey,

New York, Pennsylvania, Rhode Island, Vermont, and Virginia.



PENNSYLVANIA

PERSONAL AUTOMOBILE LIABILITY TREND DATA

EAST REGION

TABLE C4-2 (Cont'd)


(Claim Frequency Per 100 Cars)


06/30/2011 1.2254 4.3683

09/30/2011 1.2189 4.3396

12/31/2011 1.2143 4.3566

03/31/2012 1.2145 4.3292

06/30/2012 1.2158 4.3281

09/30/2012 1.2105 4.3280

12/31/2012 1.2057 4.2300

03/31/2013 1.1875 4.1998

06/30/2013 1.1768 4.2050

09/30/2013 1.1819 4.2299

12/31/2013 1.1820 4.2561

03/31/2014 1.1598 4.2364

06/30/2014 1.1408 4.2240

09/30/2014 1.1231 4.1720

12/31/2014 1.1025 4.1372

03/31/2015 1.1022 4.1081

06/30/2015 1.1212 4.0781

09/30/2015 1.1323 4.0753

12/31/2015 1.1340 4.0933

03/31/2016 1.1343 4.0829

06/30/2016 1.1192 4.0539

09/30/2016 1.1186 4.0396

12/31/2016 1.1254 4.0199

03/31/2017 1.1609 4.0294

03/31/2017

Claims 63,111 572,010

Average Annual 6 PT: +1.1% -1.5%

Change 12 PT: +0.6% -1.5%

24 PT: -1.7% -1.5%

Bodily Injury includes Connecticut, Maine, Maryland, New Hampshire, Rhode Island, Vermont, and Virginia.

Property Damage includes Connecticut, Delaware, District of Columbia, Maine, Maryland, New Hampshire, New Jersey,

New York, Pennsylvania, Rhode Island, Vermont, and Virginia.



PENNSYLVANIA


TABLE C4-3


PURE PREMIUM TREND

(1) (2) (3) (4) (5)

$5,000 $5,000 Basic Medical Total Limits

Basic Medical Total Limits Claim Pure Premium Pure Premium

Year Ended Claim Cost Claim Cost Frequency* [(1)X(3)]/100 [(2)x(3)]/100

06/30/2014 2,691 3,832 1.1829 31.83 45.33

09/30/2014 2,736 3,937 1.1644 31.86 45.84

12/31/2014 2,737 3,911 1.1701 32.03 45.76

03/31/2015 2,766 3,967 1.1490 31.78 45.58

06/30/2015 2,731 3,984 1.1488 31.37 45.77

09/30/2015 2,693 3,904 1.1549 31.10 45.09

12/31/2015 2,704 3,893 1.1387 30.79 44.33

03/31/2016 2,688 3,808 1.1359 30.53 43.26

06/30/2016 2,616 3,627 1.1457 29.97 41.55

09/30/2016 2,532 3,510 1.1628 29.44 40.81

12/31/2016 2,463 3,397 1.1849 29.18 40.25

03/31/2017 2,476 3,392 1.1885 29.43 40.31

ANNUAL RATE OF CHANGE

(12-POINT)

- 3.6% - 5.3%

*PER 100 CARS


INSURANCE SERVICES OFFICE, INC. PENNSYLVANIA

PERSONAL AUTOMOBILE PHYSICAL DAMAGE TREND DATA TABLE C5-1


$500 Deductible Year Ended Collision

06/30/2014 2,915 09/30/2014 2,938 12/31/2014 2,993 03/31/2015 3,073 06/30/2015 3,132 09/30/2015 3,163 12/31/2015 3,161 03/31/2016 3,109 06/30/2016 3,150 09/30/2016 3,169 12/31/2016 3,204 03/31/2017 3,193

03/31/2017 Claims 82,061

Average Annual 6 PT: +1.7% Change 12 PT: +3.2%


(Claim Frequency per 100 Cars)

$500 Deductible Year Ended Collision

06/30/2011 6.5234 09/30/2011 6.5140 12/31/2011 6.5411 03/31/2012 6.3554 06/30/2012 6.3617 09/30/2012 6.3344 12/31/2012 6.2323 03/31/2013 6.3116 06/30/2013 6.3023 09/30/2013 6.3135 12/31/2013 6.3882 03/31/2014 6.5379 06/30/2014 6.5931 09/30/2014 6.5472 12/31/2014 6.4748 03/31/2015 6.3298 06/30/2015 6.2841 09/30/2015 6.2995 12/31/2015 6.2858 03/31/2016 6.0692 06/30/2016 6.0289 09/30/2016 6.0789 12/31/2016 6.0867 03/31/2017 6.0911

03/31/2017 Claims 82,061

Average Annual 6 PT: -1.6% Change 12 PT: -3.2% 24 PT: -1.0%

The trend experience reflects a mix of coverages adjusted to a common deductible level.

The market share of all insurers included in the ISO physical damage trend database in Pennsylvania is 24.7%.



PENNSYLVANIA

PERSONAL AUTOMOBILE PHYSICAL DAMAGE TREND DATA

EAST REGION

TABLE C5-2


$500 Deductible

Year Ended Collision

06/30/2014 3,055

09/30/2014 3,070

12/31/2014 3,105

03/31/2015 3,160

06/30/2015 3,214

09/30/2015 3,253

12/31/2015 3,276

03/31/2016 3,287

06/30/2016 3,313

09/30/2016 3,326

12/31/2016 3,325

03/31/2017 3,304

03/31/2017

Claims 623,360

Average Annual 6 PT: +0.9%

Change 12 PT: +3.4%


(Claim Frequency per 100 Cars)

$500 Deductible

Year Ended Collision

06/30/2011 6.3301

09/30/2011 6.3380

12/31/2011 6.3698

03/31/2012 6.1772

06/30/2012 6.1435

09/30/2012 6.1272

12/31/2012 6.0342

03/31/2013 6.1148

06/30/2013 6.1340

09/30/2013 6.1728

12/31/2013 6.2474

03/31/2014 6.4118

06/30/2014 6.4768

09/30/2014 6.4581

12/31/2014 6.4531

03/31/2015 6.4431

06/30/2015 6.4624

09/30/2015 6.4674

12/31/2015 6.4856

03/31/2016 6.2788

06/30/2016 6.2627

09/30/2016 6.3877

12/31/2016 6.4598

03/31/2017 6.5181

03/31/2017

Claims 623,360

Average Annual 6 PT: +1.5%

Change 12 PT: -0.3%

24 PT: +0.8%

The trend experience reflects a mix of coverages adjusted to a common deductible level.

East Region includes Connecticut, Delaware, District of Columbia, Maine, Maryland, New Hampshire, New

Jersey, New York, Pennsylvania, Rhode Island, Vermont, and Virginia.



PENNSYLVANIA


SUPPLEMENTAL TREND INFORMATION

OVERVIEW

As shown in Table C, ISO selects trend factors to project losses to a prospective level

corresponding to the future rating period. In addition to the evaluation of historical

claim cost and claim frequency data, ISO also uses judgment and relies on analyses of

external influences to support any final pure premium trend selections for individual

states.

PERSONAL AUTO

TREND ANALYSIS

Multistate ISO Claim Cost and Frequency Annual Percent Changes, 1st Quarter 2017

12 pt.

Claim Cost

6 pt.

Claim Cost

12 pt.

Claim Freq

6 pt.

Claim Freq

Bodily Injury (25/50) +2.6% +2.2% +1.2% +3.2%

Property Damage (T/L) +6.3% +5.2% -0.1% 0.0%

Medical Payments (T/L) +2.1% +1.7% +2.5% +3.6%

$500 Deductible Collision +4.3% +1.4% +1.2% +2.7%

Trends in Medical Care Costs and Auto Bodywork

CPI –

Medical Care

Annual Rate

of Change

CPI – Hospital

& Other

Related Services

Annual Rate

of Change

CPI - Auto

Bodywork

Annual Rate

of Change

CPI - Auto

Maintenance

& Repair

Annual Rate

of Change

Sep-15 +2.5% +3.3% +0.7% +1.4%

Dec-15 +2.6% +4.0% +1.5% +1.6%

Mar-16 +3.3% +4.3% +2.4% +1.9%

Jun-16 +3.5% +4.1% +2.4% +1.7%

Sep-16 +4.9% +5.6% +2.4% +1.6%

Dec-16 +4.1% +4.3% +2.9% +1.8%

Mar-17 +3.5% +4.5% +2.7% +2.1%

Jun-17 +2.7% +5.3% +2.2% +1.4%

Percent Change in Miles Driven From Same Month One Year Prior

Countrywide Countrywide Countrywide

Oct-15 +2.4% May-16 +2.0% Dec-16 +0.5%

Nov-15 +4.3% Jun-16 +3.2% Jan-17 +2.2%

Dec-15 +4.2% Jul-16 +2.0% Feb-17 +1.9%

Jan-16 +2.0% Aug-16 +3.4% Mar-17 +0.8%

Feb-16 +5.6% Sep-16 +2.9% Apr-17 +1.2%

Mar-16 +5.0% Oct-16 +1.6% May-17 +2.2%

Apr-16 +2.6% Nov-16 +4.3% Jun-17 +1.2%



PENNSYLVANIA


SUPPLEMENTAL TREND INFORMATION

PERSONAL AUTO

TREND ANALYSIS

(Cont'd)

Observed Trends in Claim Cost and Frequency

In the past few years, several changes in the automobile insurance claims environment

have affected claim cost and frequency trends.

The following factors have served to reduce the frequency and/or severity of claims:

Continued implementation of newer airbag technology

Heightened awareness of the dangers of drinking and driving and the

enactment of stricter laws against drunk driving

An increasing number of vehicles equipped with new safety features to

actively help drivers avoid accidents, including electronic stability control

Increased use of electronic traffic surveillance

The following factors have served to increase the frequency and/or severity of claims:

The continuing rise in medical costs

Increased use of cell phones and other distractions while driving

Increased deer population and deforestation, resulting in more collisions

involving animals

Increased severity of storms throughout the U.S.

Final Trend Selections

For its Personal Automobile reviews (data ending December 31, 2016), ISO has

selected a multistate FPB pure premium trend of +3.5%. This is due to continued

increases in FPB claim costs and medical care CPI indices, along with recent increases

in FPB claim frequencies.

CONCLUSIONS

Newer airbag and traffic surveillance technology, continued efforts geared towards

increasing seat belt use, stricter drunk driving and driver licensing laws have all had a

downward effect on Bodily Injury claim costs and frequencies in recent years. ISO

believes that the benefit of some of these factors may level off in the near future.

Furthermore, other variables have had the opposite effect. Greater cell phone use

while driving and the increased presence of entertainment systems and navigational

aids increase driver distraction. Lower fuel prices and economic recovery have led to

increases in miles driven nationally. ISO believes that the continued rise in medical

and hospital costs, as evidenced by the CPI data, will exert upward pressure on Bodily

Injury and First Party Benefits claim costs. Enhanced safety features and vehicle

technology will likely decrease claim frequencies in the future; however the presence

of these enhancements may lead to a corresponding increase in claim costs for

Property Damage and Collision.



PENNSYLVANIA


WIND AND WATER PROCEDURE

OBJECTIVE Because wind and water can cause large and unexpected losses, but also exhibit

significant variation from year to year, a wind and water adjustment procedure is

incorporated in the development of Personal Auto loss costs. The purpose of this

procedure is to avoid shifts in loss costs (both upward and downward) that will result

from reflecting large, unexpected, and variable wind and water losses only in the year in

which they occur.

DESCRIPTION OF

WIND AND

WATER ADJUSTMENT

METHODOLOGY

(TABLE C6-1)

The wind and water procedure adjusts reported losses by removing the wind and water

losses that actually occurred in a given year. Then, it replaces these losses with an

expected wind and water loss provision, based on the state's long-term history of wind

and water losses. The resulting losses are not subject to the type of yearly variation

inherent in actual wind and water losses. The methodology for calculating the adjusted

wind and water losses is described below.

The long term "normal" wind and water to total minus wind and water ratio (the "wind

to non-wind" ratio) in Line (7) of Table C6-1 is determined by calculating the average

wind and water to total minus wind and water ratios for the 25 years shown in Column

(4).

The variation from the long term average or normal wind to non-wind ratio is then

determined by comparing the wind to non-wind ratio for each year to the normal ratio.

Column (5) of Table C6-1 displays this variation by calculating the difference between

the normal ratio and the wind to non-wind ratio for each year of experience.

The loss adjustment required in order to bring each year of experience to a normal wind

and water level is then determined by applying the variation factor from Column (5) of

Table C6-1 to the reported non-wind losses as shown in Column (3).

For a description of the treatment of wind and water losses by territory, see Table C6-3.

DEVELOPMENT

OF ADJUSTED

COMPREHENSIVE

LOSSES AND LOSS

ADJUSTMENT

EXPENSES

(TABLE C6-2)

Table B2 ("Calculation of Statewide Loss Cost Level Changes for Physical Damage

Coverages") uses incurred Comprehensive losses including all loss adjustment expenses

adjusted to a common deductible level for the latest two years. Table C6-2 calculates

the losses used in Table B2. The paid wind and water loss adjustment for the latest two

years, as shown in Column (1), are multiplied by the appropriate factor which puts them

on an incurred basis and includes all loss adjustment expenses, and the results are

shown in Column (2). This same factor is applied to the total paid Comprehensive

losses for the latest two years, as shown in Column (3), and the results are shown in

Column (4), the total incurred Comprehensive losses including all loss adjustment

expenses on a common deductible level. Column (5) is the sum of Columns (4) and (2)

(the total incurred wind and water Comprehensive losses, including the wind and water

loss adjustment, and all loss adjustment expenses on a common deductible level). This

calculation serves to replace the actual wind and water losses that occur in a given year

with an amount corresponding to the statewide expected wind and water provision. The

result is the adjusted Comprehensive losses including all loss adjustment expenses on a

common deductible level, used in Table B2.



PENNSYLVANIA


TABLE C6-1

DERIVATION OF WIND & WATER ADJUSTMENT

(1) (2) (3) (4) (5) (6)

Variation

Wind & Reported Wind to From Ave. Wind

Water Total Non-Wind Non-Wind Wind and Water

Year Paid Paid Losses Ratio Ratio Adjustment

Ending Losses(A) Losses(A) (2)-(1) (1)/(3) Ave(4)-(4) (3)x(5)

12/1992 $ 2,234,576 $ 52,236,136 $ 50,001,560 0.045 0.112 $ 5,600,175

12/1993 2,570,903 56,071,646 53,500,743 0.048 0.109 5,831,581

12/1994 3,008,587 67,365,793 64,357,206 0.047 0.110 7,079,293

12/1995 8,278,690 75,125,155 66,846,465 0.124 0.033 2,205,933

12/1996 10,639,397 85,612,034 74,972,637 0.142 0.015 1,124,590

12/1997 3,230,667 72,719,450 69,488,783 0.046 0.111 7,713,255

12/1998 7,069,165 75,906,217 68,837,052 0.103 0.054 3,717,201

12/1999 11,033,031 86,524,465 75,491,434 0.146 0.011 830,406

12/2000 6,895,104 85,849,241 78,954,137 0.087 0.070 5,526,790

12/2001 5,910,305 72,486,098 66,575,793 0.089 0.068 4,527,154

12/2002 3,917,220 69,194,563 65,277,343 0.060 0.097 6,331,902

12/2003 6,769,910 77,882,598 71,112,688 0.095 0.062 4,408,987

12/2004 17,105,906 86,816,962 69,711,056 0.245 -0.088 -6,134,573

12/2005 5,636,579 76,384,240 70,747,661 0.080 0.077 5,447,570

12/2006 8,124,186 77,691,156 69,566,970 0.117 0.040 2,782,679

12/2007 11,374,907 87,353,475 75,978,568 0.150 0.007 531,850

12/2008 8,173,231 86,850,834 78,677,603 0.104 0.053 4,169,913

12/2009 9,208,889 89,157,117 79,948,228 0.115 0.042 3,357,826

12/2010 19,703,107 102,716,018 83,012,911 0.237 -0.080 -6,641,033

12/2011 34,078,625 110,127,981 76,049,356 0.448 -0.291 -22,130,363

12/2012 20,342,436 91,561,700 71,219,264 0.286 -0.129 -9,187,285

12/2013 6,110,567 75,138,748 69,028,181 0.089 0.068 4,693,916

12/2014 57,831,491 125,471,727 67,640,236 0.855 -0.698 -47,212,885

12/2015 5,491,120 70,189,748 64,698,628 0.085 0.072 4,658,301

12/2016 5,003,441 68,275,990 63,272,549 0.079 0.078 4,935,259

(7) Normal Wind To Non-Wind Ratio = Ave. of Col.(4) = 0.157

(A) Full Coverage, $50, $100, $200, $250, $500, and $1,000 Deductible for 1992 to 2016

All Losses are Comprehensive losses adjusted to a $500 Deductible level.



PENNSYLVANIA


TABLE C6-2

DEVELOPMENT OF ADJUSTED COMPREHENSIVE LOSSES

(1) (2) (3) (4) (5)

Incurred

Wind & Water Total Incurred Adjusted

Adjustment Comprehensive Comprehensive

Paid Wind & and Loss Total Paid Losses & Loss Losses & Loss

Water Loss Adjustment Comprehensive Adjustment Adjustment

Year Ended Adjustment(A) Expenses(B) Losses(C) Expenses(D) Expenses(E)

12/31/2015 $ 4,658,301 $ 5,403,629 $ 70,189,748 $ 81,420,108 $ 86,823,737

12/31/2016 4,935,259 5,724,900 68,275,990 79,200,148 84,925,048

(A) Losses from Table C6-1, Column (6).

(B) Column (1) multiplied by 1.160 to reflect incurred losses and all loss adjustment

expenses.

(C) Losses from Table C6-1, Column (2).

(D) Column (3) multiplied by 1.160 to reflect incurred losses and all loss adjustment

expenses.

(E) Sum of Column (4) and Column (2).



PENNSYLVANIA


TERRITORY WIND AND WATER PROCEDURE

BACKGROUND Overall loss cost level adequacy and stability have already been assured by the

statewide catastrophe procedure. Territories within a state have their own wind

and water histories that may differ from the statewide wind and water history.

Wind and water losses in the current three-year experience period may reflect

wind and water loss levels either higher or lower than the territory's historical

normal level of wind and water losses. A territory wind and water procedure

which normalizes the territory wind and water losses is necessary to make sure

that the statewide indicated change is distributed to the territories based on the

long-term wind and water potential for that territory and not by a random high or

low wind and water year that occurs in a given territory in the latest three years.

The territory wind and water procedure for high wind states removes the

territory's wind and water losses that actually occurred in a given year. It then

distributes the statewide expected wind and water loss provision to the individual

territories in proportion to the individual territory's long-term expected wind and

water loss experience.

METHODOLOGY

FOR TERRITORY

WIND AND WATER

PROCEDURE

Each territory's wind and water history is reviewed. The expected wind and water

loss is calculated by first determining an average wind and water to nonwind

and water ratio for the available territory history which represents the territory's

long-term average wind and water losses.

The normal wind and water to nonwind and water ratio is determined by

capping the wind and water to nonwind and water ratio for extreme wind and

water years at five times the statewide median wind and water to nonwind and

water ratio. The available territory wind and water experience is limited at this

time. Therefore, the statewide cap has been applied to each year's ratio by

territory to temper the impact of very high wind and water years, as the available

data may not be sufficient to allow for an appropriate long-term mix of low and

high wind and water years for a territory.

The total losses for each of the latest three years are multiplied by their respective

nonwind and water to total loss ratio to produce the three-year total non-wind

and water losses. Multiplying the three-year non-wind and water losses by the

normal wind and water to nonwind and water ratio yields the territorial capped

expected wind and water losses.



PENNSYLVANIA


TERRITORY WIND AND WATER PROCEDURE

METHODOLOGY

FOR TERRITORY

WIND AND WATER

PROCEDURE

(Cont'd)

The capped expected wind and water losses are totaled for all territories, and

each territory's proportion of the total is its capped expected wind and water

distribution. The product of the territory's capped expected wind and water

distribution and the statewide wind provision is the capped territory wind

provision. The sum of the capped territory wind and water provision and the

territory's three-year non-wind and water losses divided by the three-year

territorial exposures yields the adjusted three-year pure premium for the territory.

Because the three-year pure premium for the territory includes the capped

territory wind and water provision in place of the actual wind and water losses

that occurred in the latest three years, the number of wind and water claims must

be adjusted. The capped territory wind and water provision is divided by the

territory's wind and water claim cost to produce the adjusted number of wind and

water claims. The adjusted number of wind and water claims is added to the

number of non-wind and water claims, resulting in the adjusted total number of

claims. The three-year adjusted number of total claims is used to determine

territorial credibility.

A sample calculation for the territory wind and water procedure is given in

Table C6-3.



PENNSYLVANIA


TABLE C6-3

METHODOLOGY FOR CALCULATING "WIND & WATER PROVISIONS" BY TERRITORY

In order to develop "Wind and Water Provisions" by territory*, the statewide provision is distributed using each

territory's "expected" wind and water losses. This procedure is illustrated in the following example:

Territory

(1)

Long-Term Capped**

Ratio of Wind &

Water to Non-Wind &

Water Losses

(2)

Non-Wind &

Water Losses for

Latest Three Years

(3)

"Expected"

Wind & Water Losses

for Latest Three Years

(1) x (2)

(4)

"Expected"

Wind & Water

Distribution

(3) ÷ Total (3)

A

B

C

.250

.750

.200

$500,000

100,000

250,000

$125,000

75,000

50,000

.500

.300

.200

Territory

(5)

Three-Year

Statewide

Wind Provision

(6)

Territory Wind

Provision

(4) x (5)

(7)

Three-Year

Adjusted

Total Losses

(2) + (6)

(8)

Three-Year

Earned

Exposures

(9)

Three-Year

Adjusted

Pure Premium

(7) ÷ (8)

A

B

C

$200,000

120,000

80,000

$700,000

220,000

330,000

14,000

5,000

10,000

$50.00

44.00

33.00

$400,000

Territory

(10)

Three-Year

Non-Wind &

Water Claims

(11)

Three-Year

Wind & Water

Claim Cost

(12)

Three-Year Adjusted

Wind & Water Claims

(6) ÷ (11)

(13)

Three-Year Adjusted

Total Claims

(10) + (12)

A

B

C

1,500

800

1,000

$500

400

400

400

300

200

1,900

1,100

1,200

* When Loss Cost Changes By Territory are calculated, actual wind losses by territory are taken out of the Adjusted

Incurred Losses and replaced with the losses arrived at using this procedure.

** Average of yearly capped ratios of wind & water to non-wind & water losses, based on territory experience

capped at 5 times the statewide median wind & water to nonwind & water ratio. The statewide median ratio is

subject to a minimum value of 0.050.



PENNSYLVANIA


SYMBOL PREMIUM TREND

IMPORTANCE OF

APPLICATION

As newer, higher-valued cars are introduced, there is an increase in overall

premium revenue due to the physical damage symbol rating procedure. In order

to reflect the revenue impact of the higher average value of cars during the

prospective period, the ISO standard methodology includes a symbol trend

procedure. The effect of this procedure is to reduce the indicated loss costs for

the physical damage coverages.

The change in average symbol relativities is due to two factors: increases in the

average price of insured automobiles with the introduction of each new model

year of automobiles, and changes in average symbol relativities due to changes in

the age distribution from the experience period to the prospective period. Thus,

symbol trend is necessary to reflect the additional loss cost volume generated by

the shift in the exposure distribution as new, higher-priced models are

introduced.

SYMBOL RATING

PROGRAM

Under ISO’s symbol rating program, with each new model year, each model that

car manufacturers produce is assigned a symbol that is initially based on the

manufacturers’ suggested retail price of the vehicle and popular options. ISO’s

vehicle series rating program then adjusts these initial symbols on a balanced

basis to reflect the loss experience associated with vehicles of the same model (or

a comparable model) for earlier years. Each symbol is assigned a symbol rating

relativity. The present “base” symbol, with a relativity of 1.00, is defined as

vehicles with a price between $14,001 and $15,000.

SYMBOL TREND

METHODOLOGY

Table B2, the “Calculation of Statewide Loss Cost Level Changes for Physical

Damage Coverages”, tests the adequacy of the current loss cost provisions by

projecting both experience loss costs and average loss cost provisions, and

comparing the two. In determining symbol trend we project the average loss cost

provision that will result in the prospective rating period if the current symbol

relativity structure remains in effect. To make this projection, we first determine

the average loss cost provision at current level (ALCPCL), and then project this

provision to the prospective period based on anticipated changes in the vehicle

symbol distribution.

Symbol trend factors are calculated separately for Comprehensive and Collision.

This factor is reflected in the present loss cost provision for each coverage,

thereby reducing the indicated loss cost level.



PENNSYLVANIA



SYMBOL TREND

METHODOLOGY

The symbol trend factor is calculated as the ratio of two multistate average

symbol relativities:

(Cont’d) G ÷ A, where

G = The multistate average relativity for the period during which policies will be

written at the prospective loss cost level, and

A = The multistate average relativity underlying the ALCPCL.

In this filing, separate symbol trend factors are determined for each year of

experience used in the Statewide Indicated Loss Cost Level Change exhibit for

Comprehensive and Collision coverages (Table B2). The calculation of separate

factors for each year is needed to reflect the improvement in calculation of the

average symbol factor included in the average loss cost provision at current level

(ALCPCL). The average symbol factor for each year is determined using the

earned exposure distribution for that year.

SYMBOL TREND

CALCULATIONS

Line A of Table C7-1 shows the multistate average symbol relativities for year-

ended 7/1/2015 and 7/1/2016, the experience period underlying the present loss

cost provisions used in Table B2. These relativities are based on written exposure

distributions, which approximate the average symbol relativities based on earned

distributions for year-ended 12/31/2015 and 12/31/2016 , respectively, which

were used to generate average loss costs at current level for year-ended

12/31/2015 and 12/31/2016 , respectively.

The multistate average symbol relativities by year-ended quarter from 10/1/2018

to 1/1/2021 are shown on Line B, for use in projection to the proposed effective

date. For further explanation of the calculation of these average relativities, see

the Explanatory Notes following Table C7-4.

The calculation of the average symbol relativities based on the proposed effective

date is shown on Lines C through G. Lines E and F show the average relativities,

drawn from the average relativities shown on Line B, for the year-ending

quarters immediately before and after the prospective rating period. Line G

interpolates between these values to estimate the average relativity for the

prospective period.



PENNSYLVANIA



SYMBOL TREND

CALCULATIONS

(Cont'd)

The symbol trend factor is calculated on Line H. The symbol trend factor is

determined by dividing Line G (the average symbol relativity for the 12-month

period for policies that will be written using the prospective loss costs, which is

year-ended 5/1/2019 in this review) by Line A (the average symbol relativity

underlying the age and symbol factors used to develop the present average loss

cost provision in this review, for years ended 12/31/2015 and 12/31/2016 ,

respectively).

For example, for year-ended 12/31/2016, the projection period for symbol trend

is the number of years from year-ended 7/1/2016 (the distribution used to

calculate the average symbol factor included in the present loss cost provision for

year-ended 12/31/2016) to year-ended 5/1/2019 (the period when policies will be

written using the prospective loss costs), which is 2.83 years (7/1/2016 to

5/1/2019) or 34 months.

Line I calculates the annualized symbol trends for year-ended 12/31/2016. The

annualized trend is the symbol trend factor raised to a power equal to the

reciprocal of the number of years projection, which is (1 ÷ 2.83) years or

(12 ÷ 34) months.

AGE

DISTRIBUTION

Age distributions for any given year are impacted by the auto sales for current

and prior model years. As auto sales vary from year to year due to changes in the

economy, the age distribution will also vary from year to year. Each model year

has an average symbol relativity associated with it, with the average symbol

relativity increasing over time as the model years become more current. Thus, in

order to determine the appropriate symbol trend, ISO reflects the effects on

average symbol relativities due to changes in the age distribution from the

experience period to the prospective period.



PENNSYLVANIA


TABLE C7-1

CALCULATION OF SYMBOL TREND FACTORS

A. Average Symbol Relativity of Experience Period:

Year ended Comp Coll

07/01/2015 2.001 1.513

07/01/2016 2.044 1.535

B. Summary of Average Symbol Relativities by year-ended quarter

for determining symbol trend for the prospective effective date.


10/01/2018 2.138 1.581

01/01/2019 2.150 1.586

04/01/2019 2.160 1.591

07/01/2019 2.170 1.596

10/01/2019 2.181 1.601

01/01/2020 2.195 1.607

04/01/2020 2.206 1.612

07/01/2020 2.215 1.616

10/01/2020 2.227 1.622

01/01/2021 2.241 1.628

C. Proposed Projection Date: 05/01/2019

D. Number of months to next year-ended quarter (in B above): 2

E. Average Symbol Relativity as of prior year-ended quarter:


04/01/2019 2.160 1.591

F. Average Symbol Relativity as of next year-ended quarter:


07/01/2019 2.170 1.596

G. Average Symbol Relativity as of Projection Date (Date in C above):

(D/3)(E) + ((3-D)/3)(F) = Av. Sym. Rel.

COMP: ( 2 / 3 ) 2.160 + ( 1 / 3 ) 2.170 = 2.163

COLL: ( 2 / 3 ) 1.591 + ( 1 / 3 ) 1.596 = 1.593

H. Symbol Year-Ended Comp: 2.163 / 2.001 = 1.081

Trend 12/31/2015 Coll: 1.593 / 1.513 = 1.053

Factors:

(G)/(A) Year-Ended Comp: 2.163 / 2.044 = 1.058

12/31/2016 Coll: 1.593 / 1.535 = 1.038

I. Annualized Year-Ended

Trends: (H)^( 1 / 2.83 ) 12/31/2016 Comp: 2.0%

Coll: 1.3%



PENNSYLVANIA


TABLE C7-2

SUMMARY OF AVERAGE PRICE NEW AND CORRESPONDING SYMBOL RELATIVITIES

(1) (2) (3) (4) (1) (2) (3) (4)

YR ENDED YR ENDED

AVG PRICE COMP COLL. AVG PRICE COMP COLL.

DATE NEW CAR REL. REL. DATE NEW CAR REL. REL.

07/01/1996 18345 1.331 1.161 01/01/2009 25729 1.925 1.469

10/01/1996 18707 1.366 1.178 04/01/2009 25481 1.906 1.459

01/01/1997 19116 1.405 1.198 07/01/2009 25598 1.915 1.464

04/01/1997 19500 1.440 1.215 10/01/2009 25472 1.905 1.459

07/01/1997 19909 1.473 1.233 01/01/2010 25989 1.944 1.480

10/01/1997 20248 1.500 1.248 04/01/2010 26648 1.994 1.506

01/01/1998 20515 1.521 1.259 07/01/2010 27238 2.037 1.530

04/01/1998 20828 1.546 1.273 10/01/2010 28104 2.097 1.564

07/01/1998 21104 1.568 1.285 01/01/2011 28524 2.127 1.581

10/01/1998 21342 1.587 1.295 04/01/2011 28686 2.120 1.578

01/01/1999 21610 1.609 1.307 07/01/2011 28931 2.139 1.586

04/01/1999 21809 1.625 1.316 10/01/2011 29260 2.163 1.596

07/01/1999 21979 1.638 1.324 01/01/2012 29450 2.175 1.602

10/01/1999 22180 1.654 1.333 04/01/2012 29544 2.181 1.605

01/01/2000 22288 1.663 1.338 07/01/2012 29573 2.183 1.606

04/01/2000 22321 1.666 1.339 10/01/2012 29531 2.180 1.605

07/01/2000 22355 1.668 1.341 01/01/2013 29596 2.184 1.607

10/01/2000 22345 1.668 1.341 04/01/2013 29779 2.197 1.613

01/01/2001 22346 1.668 1.341 07/01/2013 29860 2.203 1.616

04/01/2001 22460 1.677 1.346 10/01/2013 29892 2.205 1.618

07/01/2001 22639 1.691 1.354 01/01/2014 29976 2.211 1.621

10/01/2001 22871 1.710 1.364 04/01/2014 30139 2.223 1.627

01/01/2002 23122 1.729 1.374 07/01/2014 30324 2.237 1.633

04/01/2002 23468 1.755 1.386 10/01/2014 30499 2.250 1.640

07/01/2002 23655 1.769 1.393 01/01/2015 30630 2.259 1.644

10/01/2002 23881 1.786 1.401 04/01/2015 30835 2.273 1.650

01/01/2003 24045 1.798 1.407 07/01/2015 30996 2.285 1.655

04/01/2003 24039 1.798 1.406 10/01/2015 31151 2.296 1.660

07/01/2003 24204 1.810 1.412 01/01/2016 31288 2.305 1.664

10/01/2003 24221 1.812 1.413 04/01/2016 31305 2.306 1.664

01/01/2004 24333 1.820 1.417 07/01/2016 31449 2.316 1.668

04/01/2004 24504 1.833 1.423 10/01/2016 31657 2.331 1.675

07/01/2004 24565 1.837 1.425 01/01/2017 31842 2.344 1.680

10/01/2004 24682 1.846 1.429 04/01/2017 32126 2.364 1.689

01/01/2005 24815 1.856 1.434 07/01/2017 32274 2.374 1.693

04/01/2005 24915 1.864 1.437 10/01/2017 32461 2.387 1.699

07/01/2005 25119 1.879 1.445 01/01/2018 32669 2.400 1.703

10/01/2005 25294 1.892 1.452 04/01/2018 32864 2.412 1.707

01/01/2006 25427 1.902 1.457 07/01/2018 33120 2.427 1.712

04/01/2006 25612 1.916 1.464 10/01/2018 33379 2.443 1.718

07/01/2006 25717 1.924 1.469 01/01/2019 33637 2.460 1.724

10/01/2006 25846 1.933 1.474 04/01/2019 33896 2.478 1.732

01/01/2007 25987 1.944 1.480 07/01/2019 34149 2.495 1.739

04/01/2007 26126 1.954 1.485 10/01/2019 34394 2.513 1.747

07/01/2007 26295 1.967 1.492 01/01/2020 34631 2.528 1.753

10/01/2007 26493 1.982 1.500 04/01/2020 34864 2.542 1.757

01/01/2008 26624 1.992 1.505 07/01/2020 35100 2.556 1.762

04/01/2008 26638 1.993 1.506 10/01/2020 35350 2.571 1.767

07/01/2008 26391 1.974 1.496 01/01/2021 35608 2.588 1.773

10/01/2008 26122 1.954 1.485



PENNSYLVANIA


TABLE C7-3

EXPOSURE DISTRIBUTION BY AGE

Comprehensive

AGE 6/2016 12/2016 6/2017 12/2017 6/2018 12/2018 6/2019 12/2019 6/2020 12/2020

1 6.2% 6.1% 5.6% 5.4% 5.3% 5.4% 5.2% 5.3% 5.1% 5.2%

2 9.9% 10.0% 9.4% 9.3% 8.5% 8.3% 8.1% 8.3% 8.0% 8.1%

3 9.0% 9.3% 9.7% 9.9% 9.3% 9.2% 8.5% 8.2% 8.0% 8.2%

4 8.2% 8.3% 8.4% 8.6% 9.1% 9.2% 8.7% 8.6% 8.0% 7.7%

5 7.2% 7.5% 7.8% 7.9% 8.0% 8.2% 8.7% 8.8% 8.4% 8.2%

6 6.3% 6.5% 7.1% 7.5% 7.8% 7.9% 8.1% 8.3% 8.8% 8.9%

7 5.5% 5.8% 6.1% 6.3% 6.9% 7.2% 7.6% 7.7% 7.9% 8.0%

8 5.0% 4.7% 5.3% 5.6% 6.0% 6.2% 6.8% 7.1% 7.5% 7.6%

9 6.3% 5.6% 4.6% 4.3% 4.9% 5.1% 5.5% 5.7% 6.2% 6.5%

10 6.3% 6.1% 5.7% 5.1% 4.2% 3.9% 4.4% 4.7% 5.0% 5.2%

11 5.8% 5.6% 5.6% 5.4% 5.2% 4.6% 3.8% 3.5% 4.0% 4.2%

12 5.3% 5.2% 5.1% 5.0% 5.0% 4.8% 4.6% 4.0% 3.3% 3.1%

13 4.7% 4.7% 4.6% 4.5% 4.4% 4.3% 4.3% 4.2% 4.0% 3.5%

14 3.9% 3.9% 4.0% 4.0% 3.9% 3.9% 3.8% 3.7% 3.8% 3.6%

15 3.2% 3.3% 3.3% 3.3% 3.4% 3.4% 3.3% 3.3% 3.2% 3.2%

16 2.5% 2.6% 2.7% 2.7% 2.8% 2.8% 2.9% 2.8% 2.8% 2.8%

17 2.1% 2.1% 2.1% 2.1% 2.2% 2.3% 2.3% 2.4% 2.4% 2.4%

18 1.5% 1.6% 1.7% 1.8% 1.7% 1.8% 1.9% 1.9% 2.0% 2.0%

19 1.1% 1.1% 1.2% 1.3% 1.4% 1.5% 1.5% 1.5% 1.6% 1.6%

Collision

AGE 6/2016 12/2016 6/2017 12/2017 6/2018 12/2018 6/2019 12/2019 6/2020 12/2020

1 5.9% 5.8% 5.3% 5.1% 5.0% 5.1% 4.9% 5.0% 4.8% 4.9%

2 9.5% 9.6% 9.0% 8.9% 8.2% 7.9% 7.8% 7.9% 7.7% 7.8%

3 9.1% 9.2% 9.6% 9.7% 9.1% 9.0% 8.3% 8.0% 7.9% 8.0%

4 8.5% 8.6% 8.6% 8.8% 9.2% 9.3% 8.8% 8.6% 8.0% 7.7%

5 7.6% 7.9% 8.2% 8.3% 8.4% 8.5% 8.9% 9.0% 8.6% 8.4%

6 6.7% 6.9% 7.6% 7.9% 8.2% 8.4% 8.5% 8.6% 9.0% 9.1%

7 5.8% 6.1% 6.5% 6.7% 7.4% 7.7% 8.0% 8.2% 8.2% 8.4%

8 5.3% 5.0% 5.6% 6.0% 6.4% 6.6% 7.3% 7.6% 7.9% 8.1%

9 6.7% 5.9% 4.8% 4.5% 5.2% 5.4% 5.8% 6.1% 6.7% 6.9%

10 6.6% 6.4% 6.0% 5.3% 4.4% 4.1% 4.7% 4.9% 5.3% 5.5%

11 5.9% 5.8% 5.8% 5.6% 5.3% 4.7% 3.9% 3.6% 4.2% 4.4%

12 5.3% 5.2% 5.1% 5.0% 5.0% 4.9% 4.6% 4.1% 3.4% 3.2%

13 4.6% 4.6% 4.5% 4.4% 4.4% 4.3% 4.3% 4.2% 4.0% 3.5%

14 3.7% 3.7% 3.8% 3.8% 3.8% 3.7% 3.7% 3.6% 3.6% 3.5%

15 2.9% 3.0% 3.0% 3.1% 3.1% 3.2% 3.1% 3.1% 3.0% 3.0%

16 2.2% 2.3% 2.4% 2.5% 2.5% 2.5% 2.6% 2.6% 2.6% 2.5%

17 1.7% 1.8% 1.8% 1.8% 1.9% 2.0% 2.0% 2.1% 2.1% 2.1%

18 1.2% 1.3% 1.4% 1.5% 1.4% 1.5% 1.6% 1.6% 1.7% 1.7%

19 0.8% 0.9% 1.0% 1.1% 1.1% 1.2% 1.2% 1.2% 1.3% 1.3%

Note: The distributions for 6/2016 and 12/2016 are historical distributions.

The distributions for 6/2017 through 12/2020 are estimated.



PENNSYLVANIA


TABLE C7-4

Average Price and Selected Relativities for Symbol Definitions

1989 & Prior Model Years 1990 - 2010 Model Years

Present Relativity Present Relativity

Symbol Average Price Comp Coll Symbol Average Price Comp Coll

4

5

6

7

8

10

11

12

13

14

15

16

17

18

19

20

21

3,225

4,350

5,750

7,250

9,000

11,250

13,750

16,250

18,750

22,000

26,000

30,500

36,000

42,500

50,500

60,000

above 65K

0.21

0.25

0.38

0.49

0.64

0.80

0.96

1.14

1.37

1.64

1.95

2.27

2.64

3.06

3.55

4.14

5.17

0.42

0.52

0.62

0.70

0.80

0.88

0.97

1.07

1.18

1.32

1.48

1.65

1.80

1.94

2.11

2.32

2.71

1

2

3

4

5

6

7

8

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

5,750

7,250

8,500

9,500

10,625

11,875

13,125

14,375

15,625

16,875

18,125

19,375

21,000

23,000

25,000

27,000

29,000

31,500

34,500

38,000

42,500

47,500

55,000

65,000

75,000

above 80K

0.38

0.49

0.59

0.67

0.75

0.84

0.92

1.00

1.09

1.20

1.31

1.43

1.56

1.72

1.87

2.02

2.16

2.34

2.54

2.77

3.06

3.37

3.83

4.49

5.17

(a)

0.62

0.70

0.77

0.82

0.86

0.90

0.95

1.00

1.05

1.10

1.15

1.21

1.28

1.37

1.44

1.52

1.60

1.68

1.76

1.84

1.94

2.05

2.21

2.46

2.71

(b)

(a) Add 0.74 to symbol 26 relativity for each $10,000 or fraction of $10,000 above $80,000.

(b) Add 0.35 to symbol 26 relativity for each $10,000 or fraction of $10,000 above $80,000.



PENNSYLVANIA


TABLE C7-4 (Cont'd)

Average Price and Selected Relativities for Symbol Definitions

2011 & Later Model Years

Present Relativity Present Relativity

Symbol Average Price Comp Coll Symbol Average Price Comp Coll

01 1,500 0.31 0.44 40 34,500 2.52 1.75

02 4,250 0.38 0.55 41 35,500 2.58 1.77

03 6,750 0.47 0.67 42 36,500 2.65 1.80

04 8,500 0.58 0.77 43 37,500 2.71 1.82

05 9,500 0.66 0.82 44 38,500 2.78 1.84

06 10,500 0.73 0.85 45 39,500 2.84 1.86

07 11,500 0.81 0.88 46 40,625 2.91 1.89

08 12,500 0.87 0.92 47 41,875 2.99 1.92

10 13,500 0.94 0.96 48 43,125 3.07 1.94

11 14,500 1.00 1.00 49 44,375 3.15 1.97

12 15,313 1.06 1.03 50 45,625 3.22 2.00

13 15,938 1.11 1.06 51 46,875 3.30 2.03

14 16,563 1.16 1.08 52 48,125 3.38 2.05

15 17,188 1.22 1.11 53 49,375 3.45 2.08

16 17,813 1.27 1.13 54 51,250 3.57 2.12

17 18,438 1.33 1.16 55 53,750 3.72 2.17

18 19,063 1.39 1.19 56 56,250 3.88 2.23

19 19,688 1.44 1.22 57 58,750 4.04 2.29

20 20,313 1.49 1.24 58 62,500 4.29 2.39

21 20,938 1.54 1.27 59 67,500 4.62 2.51

22 21,563 1.59 1.30 60 72,500 4.96 2.63

23 22,188 1.64 1.33 61 77,500 5.31 2.78

24 22,813 1.69 1.35 62 82,500 5.67 2.96

25 23,438 1.74 1.38 63 87,500 6.04 3.13

26 24,063 1.78 1.40 64 92,500 6.41 3.31

27 24,688 1.83 1.42 65 97,500 6.77 3.48

28 25,313 1.88 1.45 66 105,000 7.32 3.74

29 25,938 1.92 1.47 67 115,000 8.06 4.09

30 26,563 1.97 1.50 68 125,000 8.79 4.44

31 27,188 2.02 1.52 69 135,000 9.52 4.79

32 27,813 2.06 1.54 70 145,000 10.26 5.13

33 28,438 2.10 1.57 71 (a) 11.00 5.48

34 29,063 2.15 1.59 72 (a) 11.74 5.83

35 29,688 2.19 1.61 73 (a) 12.48 6.18

36 30,500 2.25 1.64 74 (a) 13.22 6.53

37 31,500 2.32 1.67 75 (a) 13.96 6.88

38 32,500 2.39 1.70 98 above 150k (b) (c)

39 33,500 2.45 1.72

(a) These are Rating Symbols only. They have no corresponding price ranges. Vehicles can only be assigned these

Rating Symbols via experience-based modification.

(b) Add 0.74 to symbol 70 relativity for each $10,000 or fraction of $10,000 above $150,000.

(c) Add 0.35 to symbol 70 relativity for each $10,000 or fraction of $10,000 above $150,000.



PENNSYLVANIA


SYMBOL PREMIUM TREND – EXPLANATORY NOTES TO TABLES C7-1 TO C7-4

Table C7-1 sets forth the calculation of the symbol trend factor. Table C7-2 displays the year-ended symbol

relativities for Comprehensive (Column (3)) and Collision (Column (4)) for the average price new (Column (2)) for

that year. Average price new is based on actual quarterly data obtained from Moody's Analytics for points through

year-ended 6/30/2017, and projections compiled by ISO based on forecasts for economic variables as obtained from

Moody's Analytics in August, 2017. Table C73 displays the exposure distributions by age for Comprehensive and

Collision utilized to calculate the average symbol relativities shown in Table C7-1, Lines A and B. Table C7-4

displays the current ISO symbol relativities and the associated average price by symbol group. The relativities for

average price new by year-ended quarter shown in Columns (3) and (4) of Table C7-2 are based on the symbol

relativities shown in Table C74.

The average symbol relativities for the experience period (Line A of Table C7-1) and the average symbol relativities

by year-ended quarter from 10/1/2018 to 1/1/2021 (Line B of Table C7-1) were calculated by weighting the symbol

relativities in Table C7-2 on the exposure distribution by age shown in Table C73, with Age 1 weight applied to the

year-ended quarter, n; Age 2 weight applied to year-ended quarter, n1; Age 3 weight applied to year-ended quarter,

n2; etc., where, n = the year-ended quarter for which the average symbol relativity is being calculated. For example,

the Comprehensive average symbol relativity for year-ended 1/1/2020 of 2.195 was calculated as follows:

2.528 (4th Q, 2019) X .053 + 2.460 (4th Q, 2018) X .083 + 2.400 (4th Q, 2017) X .082 + ....

Average symbol relativities calculated by the above procedure for a given year-ended period utilize the age

distribution for that year. Age distributions for years ended 12/31 are used to determine average symbol relativities for

years ended 1/1 and 4/1; age distributions for years ended 6/30 are used to determine average symbol relativities for

years ended 7/1 and 10/1.

Projected age distributions (6/2017 through 12/2020) in Table C7-3 were determined by applying auto sales indices

obtained from Moody's Analytics to determine estimated age percentages for new model years (Ages 1 and 2).

Estimates for Age 3 and over were determined by applying age retention factors for prior model year distributions to

estimate the reduced percentage contribution to the total as the model year ages.



PENNSYLVANIA


MODEL YEAR PREMIUM TREND

IMPORTANCE OF

APPLICATION

Due to model year rating, the present loss cost provision used to develop the

indicated change in Table B2 reflects the increased revenue that will be generated

by the introduction of newer model year cars during the period in which the loss

costs will be effective. Therefore, this reflection of model year loss cost volume

trend reduces loss cost level indications.

The change in average relativities is due to two factors: the shift in the

distribution to more recent model years as new models are introduced, and

changes in the age distribution from the experience period to the prospective

period.

MODEL YEAR

RATING

PROGRAM

Under ISO’s model year rating program, the base model year is assigned a

“model year relativity” of 1.00. Older model years are assigned lower relativities.

Model years that are newer than the base are assigned relativities that increase

5% for each prospective year. The loss cost for a given model year is the loss

cost for the current base model year times the appropriate relativity.

MODEL YEAR

TREND

METHODOLOGY

Table B2, the “Calculation of Statewide Loss Cost Level Changes for Physical

Damage Coverages”, tests the adequacy of the current loss cost provisions by

projecting both experience loss costs and average loss cost provisions, and

comparing the two. In determining model year trend we project the average loss

cost provision that will result in the prospective rating period if the current base

model year, base loss cost, and relativity structure remain in effect. To make this

projection, we first determine the average loss cost provision at current level

(ALCPCL), and then project this provision to the prospective period based on

anticipated changes in the model year vehicle distribution. Anticipated changes

in the model year vehicle distribution are important because the model year

rating program provides for a 5% increase in the relativity for each prospective

model year.

ISO’s calculation of the ALCPCL incorporates average age relativities that vary

by territory. These average relativities are a weighted average of the age

relativities on each territory’s latest vehicle age distribution. The base model year

relativity of 1.00 is applied to the Age 1 distribution, and relativities for older

model years are applied to the corresponding age distributions for older cars.



PENNSYLVANIA



MODEL YEAR

TREND

METHODOLOGY

Model year trend factors are calculated separately for Comprehensive and

Collision. This factor is reflected in the present loss cost provision for each

coverage, thereby reducing the indicated loss cost level.

(Cont'd)

The model year trend factor is calculated as the ratio of two average multistate

model year relativities:

A ÷ B, where

A = The multistate average relativity for the period during which policies will be

written at the prospective loss cost level, and

B = The multistate average relativity underlying the ALCPCL.

MODEL YEAR

TREND

CALCULATIONS

The calculation of the average relativity underlying the ALCPCL is shown on

Line (1) of Table C8-1. This calculation parallels that of the territory average

relativities discussed above, using a multistate age distribution. That is, the base

model year relativity of 1.00 is applied to the Age 1 distribution and relativities

for older model years are applied to the corresponding age distributions for older

cars.

Lines (2) and (3) show projected multistate average model year relativities for the

two model year periods which straddle the prospective period. (ISO uses October

1 as the beginning of each new model year.)

Line (4) shows the number of months from the effective date to the beginning of

the next model year period.

Line (5) shows the calculation of the average model year relativity for the

prospective period. This is accomplished by interpolating between Lines (2) and

(3), with Line (2) weighted on the number of months from the effective date to

the following October 1, and Line (3) weighted on the remaining months to one

year past the effective date:

[(2) x (4) + (3) x (12- (4))] ÷ 12

Line (6) is the model year trend factor, which is determined by dividing Line (5),

the average model year relativity for the period during which policies will be

written at prospective loss costs, by Line (1), the average model year relativity

underlying the ALCPCL).



PENNSYLVANIA



MODEL YEAR

TREND

CALCULATIONS

(Cont'd)

For this review, 2018 was the current base model year, which we assume began

on 10/1/2017. Therefore 2018 model year cars are Age 1 during the period

10/1/2017 to 10/1/2018. Since the effective date for this review is 5/1/2018, the

period during which policies will be written using the prospective loss costs is

from 5/1/2018 to 5/1/2019.

The projection period for model year trend is the number of years from year

ended 10/1/2018 (the period when the base model year cars are Age 1) to year

ended 5/1/2019 (the period during which policies will be written using the

prospective loss costs), which is 0.58 years (10/1/2018 to 5/1/2019) or 7 months.

Line (7) calculates the annualized model year trends. The annualized trend is the

model year trend factor raised to a power equal to the reciprocal of the number of

years in the projection period, which is (1 ÷ 0.58) years or (12 ÷ 7) months .

AGE

DISTRIBUTION

Age distributions for any given year are impacted by the auto sales for current

and prior model years. As auto sales vary from year to year due to changes in the

economy, the age distribution will also vary from year to year. Thus, in order to

determine the appropriate model year trend, ISO reflects the effects on average

model year relativities due to anticipated changes in the age distribution from the

experience period to the prospective period.

The average model year relativity for the base model year (the period when 2018

was the most recent model year) is based on the year-ended 12/31/2016 age

distribution which approximates the underlying present loss cost provision used

in Table B2 (year-ended 12/31/2016). The average model year relativities for the

period in which the revised loss costs will be in use are based on the projected

age distributions for that period (the year-ended 6/30/2018 distribution is used for

the average model year relativity after the introduction of 2018 models, and the

year-ended 6/30/2019 distribution is used for the average model year relativity

after the introduction of 2019 models).



PENNSYLVANIA


MODEL YEAR TREND

TABLE C8-1

Model Year Relativity Underlying Loss Cost Provisions At Current ISO Level

Comprehensive Collision

Model Vehicle Year-ended 12/31/2016 Model Year Year-ended 12/31/2016 Model Year

Year Age Group Age Distributiona Relativity Age Distribution

a Relativity

2018 1 0.062 1.00 0.058 1.00

2017 2 0.100 0.95 0.096 0.94

2016 3 0.091 0.90 0.091 0.88

2015 4 0.083 0.86 0.086 0.83

2014 5 0.073 0.81 0.077 0.76

2013 6 0.064 0.77 0.068 0.70

2012 7 0.056 0.74 0.059 0.66

2011 8 0.048 0.70 0.051 0.62

2010 9 0.061 0.66 0.065 0.58

2009 10 0.062 0.63 0.065 0.55

2008 11 0.057 0.60 0.059 0.51

2007 12 0.053 0.57 0.053 0.48

2006 13 0.047 0.57 0.046 0.48

2005 & prior 14 & Older 0.143 0.57 0.126 0.48

(1) Average 0.746 0.688

Average Relativity For the Year Starting October 1, 2017 (Introduction of 2018 Model Year)


Model Year-ended 6/30/2018 Model Year Year-ended 6/30/2018 Model Year

Year Age Distributionb Relativity Age Distribution

b Relativity

2018 0.053 1.00 0.050 1.00

2017 0.085 0.95 0.082 0.94

2016 0.093 0.90 0.091 0.88

2015 0.091 0.86 0.092 0.83

2014 0.080 0.81 0.084 0.76

2013 0.078 0.77 0.082 0.70

2012 0.069 0.74 0.074 0.66

2011 0.060 0.70 0.064 0.62

2010 0.049 0.66 0.052 0.58

2009 0.042 0.63 0.044 0.55

2008 0.052 0.60 0.053 0.51

2007 0.050 0.57 0.050 0.48

2006 0.044 0.57 0.044 0.48

2005 & prior 0.154 0.57 0.138 0.48

(2) Average 0.745 0.686

a

Based on ISO statistical data for policies earned during the year ended 12/31/2016. See Table C8-2. b

Projected Age Distribution. See Table C7-3.



PENNSYLVANIA


MODEL YEAR TREND

TABLE C8-1 (Cont'd)

Average Relativity For the Year Starting October 1, 2018 (Introduction of 2019 Model Year)


Model Year-ended 6/30/2019 Model Year Year-ended 6/30/2019 Model Year

Year Age Distributiona Relativity Age Distribution

a Relativity

2019 0.052 1.05 0.049 1.05

2018 0.081 1.00 0.078 1.00

2017 0.085 0.95 0.083 0.94

2016 0.087 0.90 0.088 0.88

2015 0.087 0.86 0.089 0.83

2014 0.081 0.81 0.085 0.76

2013 0.076 0.77 0.080 0.70

2012 0.068 0.74 0.073 0.66

2011 0.055 0.70 0.058 0.62

2010 0.044 0.66 0.047 0.58

2009 0.038 0.63 0.039 0.55

2008 0.046 0.60 0.046 0.51

2007 0.043 0.57 0.043 0.48

2006 & prior 0.157 0.57 0.142 0.48

(3) Average 0.777 0.724


(4) Months from 5/1/2018 effective date to 10/1/2018(b) 5 5

(5) Projected avg. relativity: [(2) x (4) + (3) x (12 - (4))] ÷ 12 0.764 0.708

(6) Model year trend factor: (5) ÷ (1) 1.024 1.029

(7) Annualized trend : (6) ^ (12/7) 4.1% 5.0%

a Projected Age Distribution. See Table C7-3.



PENNSYLVANIA


TABLE C8-2

PHYSICAL DAMAGE -- AGE DISTRIBUTIONS

BASED ON YEAR-ENDED 12/31/2016

EARNED EXPOSURES


Age Age Distribution Age Age Distribution

1 6.2% 1 5.8%

2 10.0% 2 9.6%

3 9.1% 3 9.1%

4 8.3% 4 8.6%

5 7.3% 5 7.7%

6 6.4% 6 6.8%

7 5.6% 7 5.9%

8 4.8% 8 5.1%

9 6.1% 9 6.5%

10 6.2% 10 6.5%

11 5.7% 11 5.9%

12 5.3% 12 5.3%

13 4.7% 13 4.6%

14 3.9% 14 3.7%

15 3.2% 15 2.9%

16 2.5% 16 2.2%

17 2.1% 17 1.8%

18 1.5% 18 1.2%

19 1.1% 19 0.8%

TOTAL 100.0% TOTAL 100.0%

SUM(14+) 14.3% SUM(14+) 12.6%



PENNSYLVANIA


TABLE C9

THREE YEAR CLAIMS BY TERRITORY

First

Bodily Property Party

Injury Damage Benefits

Incurred Incurred Incurred Comprehensive Collision

Territory Claims Claims Claims Claims (A) Claims (B)

1 1,052 4,320 1,959 2,993 8,190

3 1,143 11,056 3,124 8,734 15,825

5 334 2,373 939 2,377 3,551

6 408 3,351 1,196 4,110 4,982

7 386 3,678 1,235 4,118 5,170

8 357 2,443 1,108 2,747 3,931

9 188 1,785 583 1,648 2,411

10 38 431 105 428 628

12 721 6,297 2,140 6,475 8,496

14 1,753 6,798 3,723 3,170 12,013

21 501 3,628 1,626 7,470 5,872

22 215 1,828 724 3,554 2,633

23 1,547 12,664 4,569 16,897 16,029

24 79 677 311 1,724 864

25 79 634 169 792 899

27 214 2,288 651 3,488 3,301

34 331 2,577 852 3,840 3,639

38 519 4,567 1,772 6,948 6,818

39 169 1,247 583 1,881 1,785

40 63 666 202 801 946

41 3,027 19,025 6,091 13,203 28,242

42 849 5,114 2,068 3,788 7,170

43 1,714 12,826 4,518 12,857 18,469

45 1,271 9,644 2,925 12,253 14,037

46 396 3,774 1,095 4,193 5,384

47 258 2,125 816 3,058 3,020

48 44 425 107 1,189 611

49 502 4,907 1,826 11,223 7,168

51 167 1,207 487 2,385 1,770

52 304 2,390 938 5,388 3,554

53 448 4,516 1,510 8,916 6,455

54 157 1,725 529 5,033 2,465

55 845 5,075 2,293 9,253 8,117

56 97 698 246 1,518 974

57 160 1,561 535 1,687 1,986

58 519 4,363 1,520 3,841 6,469

59 505 3,939 1,589 5,332 6,139

61 168 1,319 519 2,629 1,953

70 156 1,101 411 894 1,584

71 115 1,258 427 2,043 1,799

Total 21,799 160,300 58,021 194,878 235,349

(A) Includes Full, $50, $100, $200, $250, $500, and $1,000 deductible Comprehensive

claims adjusted to normalize catastrophic losses.

(B) Includes $100, $200, $250, $500, and $1,000 deductible Collision claims.



PENNSYLVANIA


TABLE C10

CREDIBILITY TABLES BASED UPON NUMBER OF CLAIMS

The projected loss costs are weighted in accordance with the following:

Average Number of Claims

for the Latest Two Years (A)

Weight to

Earlier Year

Weight to

Later Year

4,000 and over 0% 100%

3,600 - 3,999 10 90

3,200 - 3,599 20 80

2,800 - 3,199 30 70

2,400 - 2,799 40 60

under 2,400 50 50

Determination of Coverage & Determination of

Credibility Territory Credibility (B)(C) Credibility Trend Factor Credibility (D)

0 0 - 29 0 0 - 26

.10 30 - 119 .05 27 - 105

.20 120 - 269 .10 106 - 238

.30 270 - 479 .15 239 - 424

.40 480 - 749 .20 425 - 663

.50 750 - 1,079 .25 664 - 955

.60 1,080 - 1,469 .30 956 - 1,300

.70 1,470 - 1,919 .35 1,301 - 1,699

.80 1,920 - 2,429 .40 1,700 - 2,150

.90 2,430 - 2,999 .45 2,151 - 2,655

1.00 3,000 or more .50 2,656 - 3,212

.55 3,213 - 3,823

.60 3,824 - 4,487

.65 4,488 - 5,204

.70 5,205 - 5,974

.75 5,975 - 6,798

.80 6,799 - 7,674

.85 7,675 - 8,604

.90 8,605 - 9,586

.95 9,587 - 10,622

1.00 10,623 or more

(A) Applied separately by coverage.

(B) Coverage credibility is based on each coverage's latest two-year number of claims. A minimum credibility of

50% applies.

(C) Territory credibility is based on the number of claims underlying the three-year pure premium.

(D) Trend factor credibility is based on the number of claims underlying the latest year's experience appearing in the

trend exhibits.



PENNSYLVANIA


AVERAGE INCREASED LIMITS FACTORS

AND

AVERAGE DEDUCTIBLE RELATIVITIES

IMPORTANCE OF

APPLICATION

In order to calculate the Statewide Average Indicated Loss Costs, it is necessary

to calculate total limits loss costs for Liability and all-deductible loss costs for

Physical Damage.

METHODOLOGY

FOR LIABILITY

For Bodily Injury, Property Damage and Single Limit Liability the statewide loss

cost level change (Table B1) is calculated using the basic limit loss cost volume.

In order to calculate the Statewide Average Indicated Loss Cost Level Changes

on a total limits basis, total limits loss costs are determined based on application

of present increased limits factors. The calculation of the average increased limits

factors is shown in Table C11-1.

METHODOLOGY

FOR PHYSICAL

DAMAGE

For Comprehensive and Collision coverages, the statewide loss cost level change

(Table B2) is calculated using loss cost provisions on a base deductible level. In

order to calculate the Statewide Average Indicated Loss Cost Level Changes on

an all deductibles combined basis, all-deductible loss costs are determined based

on the application of deductible relativities. The average deductible relativity

calculations are shown in Table C11-2.



PENNSYLVANIA


TABLE C11-1

CALCULATION OF AVERAGE INCREASED LIMIT FACTORS

Present

Limit of Basic Limit Increased

Liability Written Premium Limit Factor

Bodily Injury $ 15/30 $ 3,409,699 1.00

(15/30 base) 20/40 191,226 1.17

25/50 2,584,590 1.31

50/100 3,592,573 1.81

100/200 305,720 2.41

100/300 10,578,488 2.42

250/500 3,339,110 3.20

300/300 932,030 3.29

500/1000 254,719 3.66

1000/1000 91,156 4.02

Average Increased Limit Factor: 2.172(A)

Present



Property Damage $ 5,000 $ 2,099,892 1.00

($5,000 base) 10,000 698,730 1.23

15,000 600,763 1.32

20,000 294,492 1.36

25,000 4,542,009 1.40

50,000 11,969,169 1.50

100,000 16,899,139 1.58

250,000(B) 1,203,181(B) 1.69(B)


Present



Single Limit $ 35,000 $ 121,316 1.00

($35,000 base) 50,000 119,676 1.09

75,000 6,439 1.19

100,000 1,276,513 1.26

200,000 53,428 1.45

300,000 3,545,213 1.54

500,000 5,294,125 1.65

1,000,000 218,128 1.77


(A) A weighted average of the Increased Limit Factors for all limits of Liability

weighted on Basic Limit Written Premium for quarter ended 9/30/2016.

(B) The basic limit written premium for the $250,000 limit includes premium for

limits greater than $100,000. The factor shown corresponds to the $250,000 limit.



PENNSYLVANIA


TABLE C11-2

CALCULATION OF AVERAGE DEDUCTIBLE RELATIVITIES

Aggregate Present

Loss Costs at Deductible

Coverage Current Level(A) Relativity

Full Coverage Comprehensive $ 6,615,166 1.47

$50 Deductible Comprehensive 4,661,126 1.40





$1,000 Deductible Comprehensive 5,128,990 0.79

Average Deductible Relativity: 1.180

$100 Deductible Collision $ 4,195,416 1.21

$200 Deductible Collision 2,581,951 1.14



$1,000 Deductible Collision 38,013,814 0.85

Average Deductible Relativity: 0.995

(A) For each deductible at the base deductible level.



PENNSYLVANIA


EFFECT OF CHANGE IN MODEL YEAR BASE

IMPORTANCE OF

APPLICATION

Underlying the present loss costs for physical damage coverages are standard

relativities that relate loss cost to the model year and symbol of an automobile. In

order to implement the change from 2018 base model year relativities to 2019

base model year relativities without changing the overall loss cost level, a

statewide offset must be applied when calculating the territory base class loss

costs.

METHODOLOGY

The offsets used in this review are 0.994 for Comprehensive and 1.008 for

Collision. They were determined by calculating the weighted average of the

ratios of the revised model year relativities with a 2019 base model year to the

present model year relativities with a 2018 base model year converted to a 2019

base, based on multistate written premium across all model year and symbol

groups.



PENNSYLVANIA


TABLE C12-1

ONE YEAR CHANGE IN MODEL YEAR BASE


Effects of Model Year & Symbol Relativity Revision

Comprehensive

(1) (2) (3) (4) (5) (6) (7)

Relativities

Model Adjusted Current Ratio Written Net Change

Year Age Present Shifted (4)/(3) Premium (A) (5) X 0.994 (B)

2019 1 1.000 1.000 1.000 288,335,053 0.994

2018 2 0.952 0.950 0.998 409,976,720 0.992

2017 3 0.905 0.900 0.994 387,348,845 0.988

2016 4 0.857 0.860 1.004 359,636,417 0.998

2015 5 0.819 0.810 0.989 309,456,921 0.983

2014 6 0.771 0.770 0.999 262,611,511 0.993

2013 7 0.733 0.740 1.010 214,260,020 1.004

2012 8 0.705 0.700 0.993 200,712,219 0.987

2011 9 0.667 0.660 0.990 241,923,972 0.984

2010 10 0.629 0.630 1.002 229,271,191 0.996

2009 11 0.600 0.600 1.000 203,613,786 0.994

2008 12 0.571 0.570 0.998 179,147,532 0.992

2007 13 0.543 0.570 1.050 150,887,059 1.044

2006 & 14 & 0.543 0.570 1.050 486,385,619 1.044

Prior Over

Totals 1.006 $ 3,923,566,865 1.000

Note: The written premium distribution utilized is based on year ended 6/30/2016 data. The model year

relativities shown are for the base symbol for each model year.

(A) Multistate Full Coverage, $50, $100, $200, $250, $500 and $1000 Deductible. Comprehensive written

premiums combined for year ended 6/30/2016. Multistate excludes North Carolina, Puerto Rico and Texas.

(B) Reciprocal of the average ratio (column 5) for all age groups (1.000/1.006).



PENNSYLVANIA


TABLE C12-2

ONE YEAR CHANGE IN MODEL YEAR BASE


Effects of Model Year & Symbol Relativity Revision

Collision

(1) (2) (3) (4) (5) (6) (7)

Relativities

Model Adjusted Current Ratio Written Net Change

Year Age Present Shifted (4)/(3) Premium (A) (5) X 1.008 (B)

2019 1 1.000 1.000 1.000 762,699,730 1.008

2018 2 0.952 0.940 0.987 1,082,213,771 0.995

2017 3 0.895 0.880 0.983 1,018,722,493 0.991

2016 4 0.838 0.830 0.990 932,145,841 0.998

2015 5 0.790 0.760 0.962 787,068,307 0.970

2014 6 0.724 0.700 0.967 674,064,826 0.975

2013 7 0.667 0.660 0.990 552,313,946 0.998

2012 8 0.629 0.620 0.986 513,271,681 0.994

2011 9 0.590 0.580 0.983 599,403,031 0.991

2010 10 0.552 0.550 0.996 554,568,990 1.004

2009 11 0.524 0.510 0.973 477,900,441 0.981

2008 12 0.486 0.480 0.988 404,382,980 0.996

2007 13 0.457 0.480 1.050 327,892,798 1.058

2006 & 14 & 0.457 0.480 1.050 869,555,565 1.058

Prior Over

Totals 0.992 $ 9,556,204,400 1.000

Note: The written premium distribution utilized is based on year ended 6/30/2016 data. The model year

relativities shown are for the base symbol for each model year.

(A) Multistate $100, $200, $250, $500 and $1000 Deductible. Collision written premiums combined

for year ended 6/30/2016. Multistate excludes North Carolina, Puerto Rico, and Texas.

(B) Reciprocal of the average ratio (column 5) for all age groups (1.000/0.992).



PENNSYLVANIA


TABLE C13-1

SUPPLEMENTAL LOSS COST INFORMATION

Statewide Average Indicated Loss Costs (based upon selected loss cost level changes):

Total Limits Bodily Injury loss cost: $108.94

Total Limits Property Damage loss cost: $151.71

Total Limits Single Limit Liability loss cost: $329.99

First Party Benefits loss cost: $ 27.65

All Deductible Comprehensive loss cost: $ 85.47

All Deductible Collision loss cost: $234.29

These loss costs were calculated based on application of the following multipliers:

Bodily Injury: 2.172 (applicable to 15/30 loss cost)

Property Damage: 1.493 (applicable to $5,000 loss cost)

Single Limit Liability: 1.554 (applicable to $35,000 loss cost)

First Party Benefits: 1.000 (applicable to Basic loss cost)

Comprehensive: 1.180 (applicable to $500 Ded. Comprehensive loss cost)

Collision: 0.995 (applicable to $500 Ded. Collision loss cost)



PENNSYLVANIA


TABLE C13-2

MACHINE PROCESSING INFORMATION

The following information is provided for assistance in machine processing.

1. The Single Limit Liability increased limit factors are as follows:

Limit Factor

$ 35,000 1.00

50,000 1.09

75,000 1.19

100,000 1.26

200,000 1.45

300,000 1.54

500,000 1.65

1,000,000 1.77

2. Liability increased limit factors utilized to create the base Single Limit Liability loss costs are as follows:

Coverage

Limit

Factor

Bodily Injury 15/30 to 35/35 1.45

Property Damage $5,000 to $35,000 1.45

3. The percentages for splitting the Single Limit Liability loss cost into its components are:

Component Percentage

Bodily Injury 33%

Property Damage 67%

4. Due to the change in base from 2018 to 2019, multiplicative offset factors of 0.994 for Comprehensive and 1.008 for

Collision have been applied to the indicated base class loss costs in order to produce no change to loss cost volume.



PENNSYLVANIA


TABLE C14-1

MODEL YEAR AND SYMBOL RELATIVITIES

Comprehensive -- Model Year 2019 Base

Symbol 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

(a) (c) (c) 1990- 1981- 1980&

1 0.34 0.33 0.31 0.29 0.28 0.27 0.25 0.24 0.23 0.22 0.20 Symbol 2010 2009 2008 1989 Prior

2 0.42 0.40 0.38 0.36 0.34 0.33 0.31 0.29 0.28 0.27 0.25 (b) (d) (e)

3 0.52 0.49 0.47 0.45 0.42 0.40 0.38 0.36 0.35 0.33 0.31 1 0.24 0.23 0.22 0.12 0.12

4 0.64 0.61 0.58 0.55 0.52 0.50 0.47 0.45 0.43 0.41 0.38 2 0.31 0.29 0.28 0.12 0.12

5 0.73 0.69 0.66 0.63 0.59 0.57 0.53 0.51 0.49 0.46 0.44 3 0.37 0.35 0.34 0.12 0.12

6 0.80 0.77 0.73 0.69 0.66 0.63 0.59 0.56 0.54 0.51 0.48 4 0.42 0.40 0.38 0.12 0.12

7 0.89 0.85 0.81 0.77 0.73 0.70 0.66 0.62 0.60 0.57 0.53 5 0.47 0.45 0.43 0.14 0.14

8 0.96 0.91 0.87 0.83 0.78 0.75 0.70 0.67 0.64 0.61 0.57 6 0.53 0.50 0.48 0.22 0.22

10 1.03 0.99 0.94 0.89 0.85 0.81 0.76 0.72 0.70 0.66 0.62 7 0.58 0.55 0.52 0.28 0.28 (f)

11 1.10 1.05 1.00 0.95 0.90 0.86 0.81 0.77 0.74 0.70 0.66 8 0.63 0.60 0.57 0.36 0.36

12 1.17 1.11 1.06 1.01 0.95 0.91 0.86 0.82 0.78 0.74 0.70 10 0.69 0.65 0.62 0.46 0.46

13 1.22 1.17 1.11 1.05 1.00 0.95 0.90 0.85 0.82 0.78 0.73 11 0.76 0.72 0.68 0.55 0.55

14 1.28 1.22 1.16 1.10 1.04 1.00 0.94 0.89 0.86 0.81 0.77 12 0.83 0.79 0.75 0.65 0.65

15 1.34 1.28 1.22 1.16 1.10 1.05 0.99 0.94 0.90 0.85 0.81 13 0.90 0.86 0.82 0.78 0.78

16 1.40 1.33 1.27 1.21 1.14 1.09 1.03 0.98 0.94 0.89 0.84 14 0.98 0.94 0.89 0.93 0.99

17 1.46 1.40 1.33 1.26 1.20 1.14 1.08 1.02 0.98 0.93 0.88 15 1.08 1.03 0.98 1.11

18 1.53 1.46 1.39 1.32 1.25 1.20 1.13 1.07 1.03 0.97 0.92 16 1.18 1.12 1.07 1.29

19 1.58 1.51 1.44 1.37 1.30 1.24 1.17 1.11 1.07 1.01 0.95 17 1.27 1.21 1.15 1.50

20 1.64 1.56 1.49 1.42 1.34 1.28 1.21 1.15 1.10 1.04 0.98 18 1.36 1.30 1.23 1.74

21 1.69 1.62 1.54 1.46 1.39 1.32 1.25 1.19 1.14 1.08 1.02 19 1.47 1.40 1.33 2.02

22 1.75 1.67 1.59 1.51 1.43 1.37 1.29 1.22 1.18 1.11 1.05 20 1.60 1.52 1.45 2.36

23 1.80 1.72 1.64 1.56 1.48 1.41 1.33 1.26 1.21 1.15 1.08 21 1.75 1.66 1.58 2.95

24 1.86 1.77 1.69 1.61 1.52 1.45 1.37 1.30 1.25 1.18 1.12 22 1.93 1.84 1.74

25 1.91 1.83 1.74 1.65 1.57 1.50 1.41 1.34 1.29 1.22 1.15 23 2.12 2.02 1.92

26 1.96 1.87 1.78 1.69 1.60 1.53 1.44 1.37 1.32 1.25 1.17 24 2.41 2.30 2.18

27 2.01 1.92 1.83 1.74 1.65 1.57 1.48 1.41 1.35 1.28 1.21 25 2.83 2.69 2.56

28 2.07 1.97 1.88 1.79 1.69 1.62 1.52 1.45 1.39 1.32 1.24 26 3.26 3.10 2.95

29 2.11 2.02 1.92 1.82 1.73 1.65 1.56 1.48 1.42 1.34 1.27

30 2.17 2.07 1.97 1.87 1.77 1.69 1.60 1.52 1.46 1.38 1.30

31 2.22 2.12 2.02 1.92 1.82 1.74 1.64 1.56 1.49 1.41 1.33

32 2.27 2.16 2.06 1.96 1.85 1.77 1.67 1.59 1.52 1.44 1.36

33 2.31 2.21 2.10 2.00 1.89 1.81 1.70 1.62 1.55 1.47 1.39

34 2.37 2.26 2.15 2.04 1.94 1.85 1.74 1.66 1.59 1.51 1.42

35 2.41 2.30 2.19 2.08 1.97 1.88 1.77 1.69 1.62 1.53 1.45

36 2.48 2.36 2.25 2.14 2.03 1.94 1.82 1.73 1.67 1.58 1.49 Refer to the following page for footnotes.

37 2.55 2.44 2.32 2.20 2.09 2.00 1.88 1.79 1.72 1.62 1.53

38 2.63 2.51 2.39 2.27 2.15 2.06 1.94 1.84 1.77 1.67 1.58

39 2.70 2.57 2.45 2.33 2.21 2.11 1.98 1.89 1.81 1.72 1.62

40 2.77 2.65 2.52 2.39 2.27 2.17 2.04 1.94 1.86 1.76 1.66

41 2.84 2.71 2.58 2.45 2.32 2.22 2.09 1.99 1.91 1.81 1.70

42 2.92 2.78 2.65 2.52 2.39 2.28 2.15 2.04 1.96 1.86 1.75

43 2.98 2.85 2.71 2.57 2.44 2.33 2.20 2.09 2.01 1.90 1.79



PENNSYLVANIA


TABLE C14-1 (Cont'd)


Comprehensive -- Model Year 2019 Base

Symbol 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

(a) (c) (c)

44 3.06 2.92 2.78 2.64 2.50 2.39 2.25 2.14 2.06 1.95 1.83

45 3.12 2.98 2.84 2.70 2.56 2.44 2.30 2.19 2.10 1.99 1.87

46 3.20 3.06 2.91 2.76 2.62 2.50 2.36 2.24 2.15 2.04 1.92

47 3.29 3.14 2.99 2.84 2.69 2.57 2.42 2.30 2.21 2.09 1.97

48 3.38 3.22 3.07 2.92 2.76 2.64 2.49 2.36 2.27 2.15 2.03

49 3.47 3.31 3.15 2.99 2.84 2.71 2.55 2.43 2.33 2.21 2.08

50 3.54 3.38 3.22 3.06 2.90 2.77 2.61 2.48 2.38 2.25 2.13

51 3.63 3.47 3.30 3.14 2.97 2.84 2.67 2.54 2.44 2.31 2.18

52 3.72 3.55 3.38 3.21 3.04 2.91 2.74 2.60 2.50 2.37 2.23

53 3.80 3.62 3.45 3.28 3.11 2.97 2.79 2.66 2.55 2.42 2.28

54 3.93 3.75 3.57 3.39 3.21 3.07 2.89 2.75 2.64 2.50 2.36

55 4.09 3.91 3.72 3.53 3.35 3.20 3.01 2.86 2.75 2.60 2.46

56 4.27 4.07 3.88 3.69 3.49 3.34 3.14 2.99 2.87 2.72 2.56

57 4.44 4.24 4.04 3.84 3.64 3.47 3.27 3.11 2.99 2.83 2.67

58 4.72 4.50 4.29 4.08 3.86 3.69 3.47 3.30 3.17 3.00 2.83

59 5.08 4.85 4.62 4.39 4.16 3.97 3.74 3.56 3.42 3.23 3.05

60 5.46 5.21 4.96 4.71 4.46 4.27 4.02 3.82 3.67 3.47 3.27

61 5.84 5.58 5.31 5.04 4.78 4.57 4.30 4.09 3.93 3.72 3.50

62 6.24 5.95 5.67 5.39 5.10 4.88 4.59 4.37 4.20 3.97 3.74

63 6.64 6.34 6.04 5.74 5.44 5.19 4.89 4.65 4.47 4.23 3.99

64 7.05 6.73 6.41 6.09 5.77 5.51 5.19 4.94 4.74 4.49 4.23

65 7.45 7.11 6.77 6.43 6.09 5.82 5.48 5.21 5.01 4.74 4.47

66 8.05 7.69 7.32 6.95 6.59 6.30 5.93 5.64 5.42 5.12 4.83

67 8.87 8.46 8.06 7.66 7.25 6.93 6.53 6.21 5.96 5.64 5.32

68 9.67 9.23 8.79 8.35 7.91 7.56 7.12 6.77 6.50 6.15 5.80

69 10.47 10.00 9.52 9.04 8.57 8.19 7.71 7.33 7.04 6.66 6.28

70 11.29 10.77 10.26 9.75 9.23 8.82 8.31 7.90 7.59 7.18 6.77

71 12.10 11.55 11.00 10.45 9.90 9.46 8.91 8.47 8.14 7.70 7.26

72 12.91 12.33 11.74 11.15 10.57 10.10 9.51 9.04 8.69 8.22 7.75

73 13.73 13.10 12.48 11.86 11.23 10.73 10.11 9.61 9.24 8.74 8.24

74 14.54 13.88 13.22 12.56 11.90 11.37 10.71 10.18 9.78 9.25 8.73

75 15.36 14.66 13.96 13.26 12.56 12.01 11.31 10.75 10.33 9.77 9.21

(a) 75 Symbol Table applies to 2011 and later model years. Refer to Personal Vehicle Manual Rule 12. for rating Symbol 98 vehicles.

(b) 27 Symbol Table applies to 1990 - 2010 model years. Refer to Personal Vehicle Manual Rule 12. for rating Symbol 27 vehicles.

(c) 2020 relativities are 1.05 times the 2019 relativities. 2021 relativities are 1.10 times the 2019 relativities, where 1.10 = 1.05 x

1.05 rounded to two decimal places.

(d) 21 Symbol Table applies to 1981 - 1989 model years.

(e) 14 Symbol Table applies to 1976 - 1980 model years.

(f) 7 Symbol Table applies to 1975 and earlier model years. Refer to Personal Vehicle Manual Rule 12. for rating Symbol 7 vehicles.



PENNSYLVANIA


TABLE C14-2


Collision -- Model Year 2019 Base

Symbol 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

(a) (c) (c) 1990- 1981- 1980&

1 0.48 0.46 0.44 0.41 0.39 0.37 0.33 0.31 0.29 0.27 0.26 Symbol 2010 2009 2008 1989 Prior

2 0.61 0.58 0.55 0.52 0.48 0.46 0.42 0.39 0.36 0.34 0.32 (b) (d) (e)

3 0.74 0.70 0.67 0.63 0.59 0.56 0.51 0.47 0.44 0.42 0.39 1 0.34 0.32 0.30 0.20 0.20

4 0.85 0.81 0.77 0.72 0.68 0.64 0.59 0.54 0.51 0.48 0.45 2 0.39 0.36 0.34 0.20 0.20

5 0.90 0.86 0.82 0.77 0.72 0.68 0.62 0.57 0.54 0.51 0.48 3 0.42 0.39 0.37 0.20 0.20

6 0.94 0.89 0.85 0.80 0.75 0.71 0.65 0.60 0.56 0.53 0.49 4 0.45 0.42 0.39 0.20 0.20

7 0.97 0.92 0.88 0.83 0.77 0.73 0.67 0.62 0.58 0.55 0.51 5 0.47 0.44 0.41 0.25 0.25

8 1.01 0.97 0.92 0.86 0.81 0.76 0.70 0.64 0.61 0.57 0.53 6 0.50 0.46 0.43 0.30 0.30

10 1.06 1.01 0.96 0.90 0.84 0.80 0.73 0.67 0.63 0.60 0.56 7 0.52 0.48 0.46 0.34 0.34 (f)

11 1.10 1.05 1.00 0.94 0.88 0.83 0.76 0.70 0.66 0.62 0.58 8 0.55 0.51 0.48 0.38 0.38

12 1.13 1.08 1.03 0.97 0.91 0.85 0.78 0.72 0.68 0.64 0.60 10 0.58 0.54 0.50 0.42 0.42

13 1.17 1.11 1.06 1.00 0.93 0.88 0.81 0.74 0.70 0.66 0.61 11 0.61 0.56 0.53 0.47 0.47

14 1.19 1.13 1.08 1.02 0.95 0.90 0.82 0.76 0.71 0.67 0.63 12 0.63 0.59 0.55 0.51 0.51

15 1.22 1.17 1.11 1.04 0.98 0.92 0.84 0.78 0.73 0.69 0.64 13 0.67 0.62 0.58 0.57 0.57

16 1.24 1.19 1.13 1.06 0.99 0.94 0.86 0.79 0.75 0.70 0.66 14 0.70 0.65 0.61 0.63 0.66

17 1.28 1.22 1.16 1.09 1.02 0.96 0.88 0.81 0.77 0.72 0.67 15 0.75 0.70 0.66 0.71

18 1.31 1.25 1.19 1.12 1.05 0.99 0.90 0.83 0.79 0.74 0.69 16 0.79 0.73 0.69 0.79

19 1.34 1.28 1.22 1.15 1.07 1.01 0.93 0.85 0.81 0.76 0.71 17 0.84 0.78 0.73 0.86

20 1.36 1.30 1.24 1.17 1.09 1.03 0.94 0.87 0.82 0.77 0.72 18 0.88 0.82 0.77 0.93

21 1.40 1.33 1.27 1.19 1.12 1.05 0.97 0.89 0.84 0.79 0.74 19 0.92 0.86 0.81 1.01

22 1.43 1.37 1.30 1.22 1.14 1.08 0.99 0.91 0.86 0.81 0.75 20 0.97 0.90 0.84 1.11

23 1.46 1.40 1.33 1.25 1.17 1.10 1.01 0.93 0.88 0.82 0.77 21 1.01 0.94 0.88 1.30

24 1.49 1.42 1.35 1.27 1.19 1.12 1.03 0.95 0.89 0.84 0.78 22 1.07 0.99 0.93

25 1.52 1.45 1.38 1.30 1.21 1.15 1.05 0.97 0.91 0.86 0.80 23 1.13 1.05 0.98

26 1.54 1.47 1.40 1.32 1.23 1.16 1.06 0.98 0.92 0.87 0.81 24 1.22 1.13 1.06

27 1.56 1.49 1.42 1.33 1.25 1.18 1.08 0.99 0.94 0.88 0.82 25 1.35 1.25 1.18

28 1.60 1.52 1.45 1.36 1.28 1.20 1.10 1.02 0.96 0.90 0.84 26 1.49 1.38 1.30

29 1.62 1.54 1.47 1.38 1.29 1.22 1.12 1.03 0.97 0.91 0.85

30 1.65 1.58 1.50 1.41 1.32 1.25 1.14 1.05 0.99 0.93 0.87

31 1.67 1.60 1.52 1.43 1.34 1.26 1.16 1.06 1.00 0.94 0.88

32 1.69 1.62 1.54 1.45 1.36 1.28 1.17 1.08 1.02 0.95 0.89

33 1.73 1.65 1.57 1.48 1.38 1.30 1.19 1.10 1.04 0.97 0.91

34 1.75 1.67 1.59 1.49 1.40 1.32 1.21 1.11 1.05 0.99 0.92

35 1.77 1.69 1.61 1.51 1.42 1.34 1.22 1.13 1.06 1.00 0.93

36 1.80 1.72 1.64 1.54 1.44 1.36 1.25 1.15 1.08 1.02 0.95 Refer to the following page for footnotes.

37 1.84 1.75 1.67 1.57 1.47 1.39 1.27 1.17 1.10 1.04 0.97

38 1.87 1.79 1.70 1.60 1.50 1.41 1.29 1.19 1.12 1.05 0.99

39 1.89 1.81 1.72 1.62 1.51 1.43 1.31 1.20 1.14 1.07 1.00

40 1.93 1.84 1.75 1.65 1.54 1.45 1.33 1.23 1.16 1.09 1.02

41 1.95 1.86 1.77 1.66 1.56 1.47 1.35 1.24 1.17 1.10 1.03

42 1.98 1.89 1.80 1.69 1.58 1.49 1.37 1.26 1.19 1.12 1.04

43 2.00 1.91 1.82 1.71 1.60 1.51 1.38 1.27 1.20 1.13 1.06



PENNSYLVANIA


TABLE C14-2 (Cont'd)


Collision -- Model Year 2019 Base

Symbol 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

(a) (c) (c)

44 2.02 1.93 1.84 1.73 1.62 1.53 1.40 1.29 1.21 1.14 1.07

45 2.05 1.95 1.86 1.75 1.64 1.54 1.41 1.30 1.23 1.15 1.08

46 2.08 1.98 1.89 1.78 1.66 1.57 1.44 1.32 1.25 1.17 1.10

47 2.11 2.02 1.92 1.80 1.69 1.59 1.46 1.34 1.27 1.19 1.11

48 2.13 2.04 1.94 1.82 1.71 1.61 1.47 1.36 1.28 1.20 1.13

49 2.17 2.07 1.97 1.85 1.73 1.64 1.50 1.38 1.30 1.22 1.14

50 2.20 2.10 2.00 1.88 1.76 1.66 1.52 1.40 1.32 1.24 1.16

51 2.23 2.13 2.03 1.91 1.79 1.68 1.54 1.42 1.34 1.26 1.18

52 2.26 2.15 2.05 1.93 1.80 1.70 1.56 1.44 1.35 1.27 1.19

53 2.29 2.18 2.08 1.96 1.83 1.73 1.58 1.46 1.37 1.29 1.21

54 2.33 2.23 2.12 1.99 1.87 1.76 1.61 1.48 1.40 1.31 1.23

55 2.39 2.28 2.17 2.04 1.91 1.80 1.65 1.52 1.43 1.35 1.26

56 2.45 2.34 2.23 2.10 1.96 1.85 1.69 1.56 1.47 1.38 1.29

57 2.52 2.40 2.29 2.15 2.02 1.90 1.74 1.60 1.51 1.42 1.33

58 2.63 2.51 2.39 2.25 2.10 1.98 1.82 1.67 1.58 1.48 1.39

59 2.76 2.64 2.51 2.36 2.21 2.08 1.91 1.76 1.66 1.56 1.46

60 2.89 2.76 2.63 2.47 2.31 2.18 2.00 1.84 1.74 1.63 1.53

61 3.06 2.92 2.78 2.61 2.45 2.31 2.11 1.95 1.83 1.72 1.61

62 3.26 3.11 2.96 2.78 2.60 2.46 2.25 2.07 1.95 1.84 1.72

63 3.44 3.29 3.13 2.94 2.75 2.60 2.38 2.19 2.07 1.94 1.82

64 3.64 3.48 3.31 3.11 2.91 2.75 2.52 2.32 2.18 2.05 1.92

65 3.83 3.65 3.48 3.27 3.06 2.89 2.64 2.44 2.30 2.16 2.02

66 4.11 3.93 3.74 3.52 3.29 3.10 2.84 2.62 2.47 2.32 2.17

67 4.50 4.29 4.09 3.84 3.60 3.39 3.11 2.86 2.70 2.54 2.37

68 4.88 4.66 4.44 4.17 3.91 3.69 3.37 3.11 2.93 2.75 2.58

69 5.27 5.03 4.79 4.50 4.22 3.98 3.64 3.35 3.16 2.97 2.78

70 5.64 5.39 5.13 4.82 4.51 4.26 3.90 3.59 3.39 3.18 2.98

71 6.03 5.75 5.48 5.15 4.82 4.55 4.16 3.84 3.62 3.40 3.18

72 6.41 6.12 5.83 5.48 5.13 4.84 4.43 4.08 3.85 3.61 3.38

73 6.80 6.49 6.18 5.81 5.44 5.13 4.70 4.33 4.08 3.83 3.58

74 7.18 6.86 6.53 6.14 5.75 5.42 4.96 4.57 4.31 4.05 3.79

75 7.57 7.22 6.88 6.47 6.05 5.71 5.23 4.82 4.54 4.27 3.99

(a) 75 Symbol Table applies to 2011 and later model years. Refer to Personal Vehicle Manual Rule 12. for rating Symbol 98 vehicles.

(b) 27 Symbol Table applies to 1990 - 2010 model years. Refer to Personal Vehicle Manual Rule 12. for rating Symbol 27 vehicles.

(c) 2020 relativities are 1.05 times the 2019 relativities. 2021 relativities are 1.10 times the 2019 relativities, where 1.10 = 1.05 x

1.05 rounded to two decimal places.

(d) 21 Symbol Table applies to 1981 - 1989 model years.

(e) 14 Symbol Table applies to 1976 - 1980 model years.

(f) 7 Symbol Table applies to 1975 and earlier model years. Refer to Personal Vehicle Manual Rule 12. for rating Symbol 7 vehicles.




























































COPYRIGHT NOTICE

































































COPYRIGHT NOTICE



































































COPYRIGHT NOTICE






© Insurance Services Office, Inc., 2017 Pennsylvania PP-2017-BRLA1 D-1


PENNSYLVANIA


SECTION D – CALCULATION OF UNINSURED MOTORISTS INDICATIONS AND DETERMINATION OF

UNINSURED MOTORISTS SEMI-ANNUAL LOSS COSTS AND SUPPORTING MATERIAL FOR THE

REPRICING OF UNDERINSURED MOTORISTS SEMI-ANNUAL LOSS COSTS

Objective/Overview of ISO Actuarial Procedures ................................................................... D2

Calculation of Statewide Loss Cost Level Changes ................................................................ D-3-5

Calculation of Filed Loss Costs by Tier ................................................................................... D-6-9

Introduction/Overview to Determine Uninsured and Underinsured Motorists Semi-Annual

Loss Costs ............................................................................................................................... D-10

Calculation of Filed Uninsured Motorists Semi-Annual Loss Costs ....................................... D-11-26

Calculation of Filed Uninsured Motorists Stacked Semi-Annual Loss Costs ..................... D1118

Calculation of Filed Uninsured Motorists Non-Stacked Semi-Annual Loss Costs ............ D-19-26

Determination of Filed Underinsured Motorists Stacked Semi-Annual Loss Costs ................ D2732

Calculation of Offset for Multi-Car Discount .......................................................................... D3334

Calculation of Filed Underinsured Motorists Semi-Annual Loss Costs .................................. D-35-45

Calculation of Filed Underinsured Motorists Stacked Semi-Annual Loss Costs ............... D3542

Calculation of Filed Underinsured Motorists Non-Stacked Semi-Annual Loss Costs ....... D-43-45

Present and Filed Full Tort Semi-Annual Loss Costs for Uninsured Motorists ...................... D-46-53

Present and Filed Full Tort Semi-Annual Loss Costs for Underinsured Motorists ................. D54-60

Present and Filed Limited Tort Semi-Annual Loss Costs for Uninsured Motorists ................ D-61-69

Present and Filed Limited Tort Semi-Annual Loss Costs for Underinsured Motorists ........... D-70-77

Calculation of Present and Filed Average Semi-Annual Loss Costs

for Uninsured Motorists ........................................................................................................... D-78-90

Calculation of Present and Filed Average Full Tort Semi-Annual Loss Costs ................... D78-83

Calculation of Present and Filed Average Limited Tort Semi-Annual Loss Costs ............. D-84-89

Calculation of Present and Filed Average Semi-Annual Loss Costs

for Underinsured Motorists ...................................................................................................... D-91-103

Calculation of Present and Filed Average Full Tort Semi-Annual Loss Costs ................... D-91-96

Calculation of Present and Filed Average Limited Tort Semi-Annual Loss Costs ............. D-97-102

Summary of Present and Filed Average Stacked and Non-Stacked Semi-Annual Loss Costs

for Uninsured and Underinsured Motorists.............................................................................. D-104-107



PENNSYLVANIA


OVERVIEW OF CALCULATION OF FILED BASIC LIMITS LOSS COSTS

FOR UNINSURED MOTORISTS COVERAGE

OBJECTIVE

The objective of the statewide procedure is to determine the indicated advisory loss

cost level changes for Uninsured Motorists coverage. This procedure answers the

question: what percentage changes must be made on average to the present loss

costs in order for them to be adequate to cover our best estimate of indemnity

losses and all loss adjustment expenses that will be incurred in the prospective

period in which the filed loss costs will be used?

The objective of the territory procedure is to distribute the statewide UMBI loss

costs by territory. In other words, what basic limits UMBI loss costs should be

charged by territory in order to equitably achieve an adequate statewide

prospective loss cost level?

OVERVIEW OF

PROCEDURE

The statewide procedure compares the latest three-year projected loss cost to the

present loss cost provision. The projected loss cost is the developed and trended

incurred losses and loss adjustment expenses per earned exposure.

The territory procedure distributes the statewide filed basic limit loss cost to the

UM tiers using a UM tier development approach. This procedure compares the

individual UM tier combined UMBI average single car loss costs to the statewide

average single car loss cost. The tier UMBI basic limit loss cost is calculated for

the latest three years and a statewide weighted average UMBI basic limit loss cost

for the same period is calculated based on the earned car years. These loss costs are

then adjusted to a single car level by dividing by the average discount. The tier

average single car loss costs are credibility weighted with the product of the

statewide average single car loss cost and the index to state of the current UMBI

loss cost provisions.

The tier indices to state are then determined by comparing the credibility weighted

average single car loss costs by tier to the statewide credibility weighted average

single car loss cost. This index to state multiplied by the filed statewide basic limit

UMBI average loss cost, adjusted to a single car loss cost basis, produces the filed

basic limit single car UMBI loss cost by tier.

EXPERIENCE

BASE

The experience used in this review is the latest available as reported under the ISO

Personal Automobile Statistical Plan. The data is aggregated on an accident year

basis.



PENNSYLVANIA


TABLE D1A

UNINSURED MOTORISTS EXPERIENCE

15/30 UNINSURED MOTORISTS BODILY INJURY

STATEWIDE

(1) (2) (3) (4) (5)

15/30 Average

Losses Annual 15/30

Accident Including Number Change in Projected

Year Earned All Loss of Losses Loss

Ended Exposures Adjustment Claims (Trend) Cost___

12/31/2014 1,551,826 $7,264,679 551 +0.5% $4.79

12/31/2015 1,454,301 6,347,827 424 +0.5% 4.44

12/31/2016 1,380,212 5,645,731 360 +0.5% 4.14

Total 4,386,339 $19,258,237 1,335 $4.47

(6) (7) (8)

Present

Loss Cost Indicated Filed

Provision Change Change

$4.81 -7.1% -7.1%



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D1A


The exposures for Uninsured Motorists coverages are those exposures which have

been earned during the latest three accident years ending 12/31/2014, 12/31/2015,

and 12/31/2016.

COLUMN (2) INCURRED LOSSES AND LOSS ADJUSTMENT EXPENSES

The losses displayed are basic limit incurred losses including all loss adjustment

expenses and developed to an ultimate settlement basis.

Allocated Loss Adjustment Expenses

Incurred losses are combined with allocated loss adjustment expenses, which are

the expenses incurred by a carrier in connection with claim settlements that can be

directly allocated to a particular claim.

Unallocated Loss Adjustment Expense Factors

Unallocated loss adjustment expenses, those expenses which cannot be allocated to

any one claim, are included by applying appropriate factors to the incurred losses

and allocated loss adjustment expenses. The factor used for Uninsured Motorists

Bodily Injury in this revision is the Bodily Injury Liability factor. This factor is

based on three years of countrywide experience as shown in Table C1-1.

Loss Development Factors

The incurred losses and loss adjustment expenses are developed to an ultimate

settlement basis by applying loss development factors. The use of a loss

development factor is necessitated by the fact that all of the losses for a particular

accident year have not been fully determined at the time the experience is

compiled.

Application of Loss Development Factors

The Uninsured Motorists Bodily Injury loss development factors used in this

review are based on statewide experience, as shown in Table C2-5.

COLUMN (3) NUMBER OF CLAIMS

The three year claims for Uninsured Motorists Bodily Injury are displayed for

informational purposes.

COLUMN (4) AVERAGE ANNUAL CHANGE IN LOSSES (TREND)

The Bodily Injury average annual change in losses of +0.5% is used for UMBI.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D1A (Cont'd)

COLUMN (5) PROJECTED LOSS COST

The projected loss cost for UMBI is calculated as follows:

[(2) x (1.0 + (4))n] ÷ (1);

n = the number of years of projection from the average date of accident to nine

months past the assumed effective date of this review. For the earliest year, n

is equal to 4.58 and the average date of accident is 7/1/2014. For the middle

year, n is equal to 3.58 and the average date of accident is 7/1/2015. For the

latest year, n is equal to 2.58 and the average date of accident is 7/1/2016. For

all three years, the assumed effective date of this review is 5/1/2018.

UMBI (2016): [$5,645,731 x (1.005)2.58] ÷ 1,380,212 = $4.14

COLUMN (5)

Note that trend factors raised to exponential factors are rounded to three decimal

places in the above calculations. The total projected loss cost for all years combined is equal to the sum of the

trended losses over all years divided by the sum of the earned exposures shown in

Column (1).

COLUMN (6) PRESENT LOSS COST PROVISION

The present loss cost provision is based on the loss costs set forth in Pennsylvania


COLUMN (7) INDICATED CHANGE

The indicated change is the total projected loss cost in Column (5) divided by the

present loss cost provision in Column (6).

COLUMN (8) FILED CHANGE

The filed change equals the indicated change.



PENNSYLVANIA


TABLE D1B

UNINSURED MOTORISTS BODILY INJURY INSURANCE LOSS COSTS

CALCULATION OF FILED LOSS COSTS BY TIER

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

15/30 15/30 Credi-

U.M.B.I. U.M.B.I. U.M.B.I. U.M.B.I. bility 15/30

Earned Loss Cost Average Single U.M.B.I. Present Weighted U.M.B.I. Filed

Car Years 3 Years Multi- Car Index Credi- Index U.M.B.I. Index Single Car 15/30

Year Ended Ended Car Loss Cost To bility To Loss To Loss Cost U.M.B.I.

Tier 12/31/2016 12/31/2016 Discount (2)/(3) State (A) State Cost State Present Filed(B) Change

1 61,545 $28.94 0.900 $32.16 6.381 0.3 6.479 $32.51 6.476 $35.83 $33.22 -7.28%

2 169,372 7.77 0.852 9.12 1.810 0.2 1.620 8.36 1.665 8.96 8.54 -4.69%

3 1,149,295 2.54 0.850 2.99 0.593 0.4 0.615 3.06 0.610 3.40 3.13 -7.94%

Statewide 1,380,212 $4.36 0.865 $5.04 $5.02

(A) U.M.B.I. Claims 3 years ended 12/31/2016: Tier 1: 399

Tier 2: 252

Tier 3: 684

Statewide: 1,335

(B) Keyed to a filed statewide U.M.B.I. Basic Limit single car loss cost of: $5.13

Tier 1 consists of Territories 1 and 14.

Tier 2 consists of Territories 41 and 42.

Tier 3 consists of Territories 3, 5, 6, 7, 8, 9, 10, 12, 21, 22, 23, 24, 25, 27, 34, 38, 39, 40, 43, 45, 46, 47, 48, 49, 51, 52, 53, 54,

55, 56, 57, 58, 59, 61, 70 and 71.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D1B (Cont'd)


The exposures for Uninsured Motorists coverage are those exposures which have

been earned during the latest accident year ending 12/31/2016.

COLUMN (2) BASIC LIMIT UMBI LOSS COST 3 YEARS ENDED 12/31/2016

The basic limit loss cost (losses ÷ exposures) is based on three years of experience

for purposes of stability. For Uninsured Motorists Bodily Injury, this is based on

the three accident years ended 12/31/2016, and has been developed to an ultimate

settlement basis.

COLUMN (3) AVERAGE DISCOUNT

This factor adjusts the loss costs shown in Column (2) to single car loss costs. The

average discount is the product of the average discount and the statewide average

defensive driver discount. For each tier, the average multi-car discount is

determined by doing the following steps: (a) weight the present non-stacked single

car and multi-car loss costs for each tort option on their respective exposures; (b)

weight the present non-stacked single car loss costs on the total exposures for each

tort option. The statewide average defensive driver discount of 0.999 is then

applied. The calculation is as follows:

[(Full Tort single car exposures x Full Tort single car loss cost) +

(Full Tort multi-car exposures x Full Tort multi-car loss cost) +

(Limited Tort single car exposures x Limited Tort single car loss cost) +

(Limited Tort multi-car exposures x Limited Tort multi-car loss cost)]

[(Full Tort total exposures x Full Tort single car loss cost) +

(Limited Tort total exposures x Limited Tort single car loss cost)] x

(statewide average defensive driver discount).

For Tier 1: [(11,903 x $23.77) + (11,903 x $19.02) +

(19,058 x $14.13) + (18,681 x $11.31)]

[(23,806 x $23.77) + (37,739 x $14.13)] x 0.999 = 0.900

The statewide average multi-car discount is determined by dividing the statewide

basic limit loss cost from Column (2) by the statewide basic limit single car loss

cost from Column (4).



PENNSYLVANIA



COLUMN (4) BASIC LIMIT UMBI SINGLE CAR LOSS COST

For Uninsured Motorists Bodily Injury, the basic limit single car loss cost is

derived by dividing the three year loss cost in Column (2) by the average discount

in Column (3). The statewide average single car loss cost is determined by

weighting the basic limit single car loss costs in Column (4) by tier on the earned

car years in Column (1).

COLUMN (5) UNINSURED MOTORISTS INDEX TO STATE

UM indices to state by tier are calculated by dividing the tier's basic limit UMBI

single car loss cost (Column (4)) by the statewide basic limit UMBI single car loss

cost.


The UM single car loss cost calculated in Column (4) is assigned a credibility

value on the basis of the number of claims underlying the three year UMBI loss

cost. The complement of the credibility assigned to the tier average single car loss

cost is assigned to the product of the statewide average single car loss cost and the

index to state of the current UM loss cost provisions.

COLUMN (7) UM PRESENT INDEX TO STATE

UM present indices to state are calculated for the tiers by dividing the tier's present

UM single car loss cost provision in Column (10) by the statewide present average

UM single car loss cost provision.

COLUMN (8) CREDIBILITY WEIGHTED UM LOSS COST

The credibility weighted UM loss cost is calculated for the tiers. It is the tier's

single car loss cost in Column (4) credibility weighted with the product of the

statewide average single car loss cost in Column (4) and the UM present index to

state in Column (7). The formula is as follows:

[Tier Col. (4) x Tier Col. (6)] + [SW Col. (4) x Tier Col.(7) x (1.0 - Tier Col. (6))]

COLUMN (9) INDEX TO STATE

The index to state is determined by dividing the credibility weighted UM loss cost

in Column (8) by the statewide credibility weighted UM loss cost in Column (8).

COLUMN (10) PRESENT BASIC LIMIT UMBI SINGLE CAR LOSS COST

The present basic limit UMBI single car loss costs are the loss costs set forth in




PENNSYLVANIA



COLUMN (11) FILED BASIC LIMIT UMBI SINGLE CAR LOSS COST

The statewide basic limit UMBI filed loss cost is the statewide present loss cost for

year ended 12/31/2016, multiplied by the statewide filed change (Table D1A,

Column (8)), and divided by the statewide average discount (Table D1B, Column

(3)).

15/30 Uninsured Motorists Bodily Injury: ($4.78 x 0.929) ÷ 0.865 = $5.13

For each tier, the filed basic limit UMBI single car loss cost is calculated by

multiplying the statewide filed basic limit UMBI single car loss cost by the tier's

index to state in Column (9).

Tier 1: $5.13 x 6.476 = $33.22

COLUMN (12) FILED BASIC LIMIT UMBI CHANGE

The filed basic limit UMBI change is the filed loss cost in Column (11) divided by

the present loss cost in Column (10), expressed as a percent.



PENNSYLVANIA


DETERMINATION OF UNINSURED AND UNDERINSURED MOTORISTS LOSS COSTS AND SUPPORTING

MATERIAL FOR THE REPRICING OF UNDERINSURED MOTORISTS LOSS COSTS

INTRODUCTION

Loss costs for basic and higher limits for Uninsured Motorists (UM) and

Underinsured Motorists (UIM) Coverages are developed using the current full

pricing procedures as utilized in Pennsylvania Personal Auto Filing,

PP-2016-BRLA1. The following summarizes the full pricing procedures:

A multi-car discount of 20% applies to all cars on the policy.

Loss costs for higher limits of UM BI coverage are calculated using UM BI

increased limits factors.

The pricing model for UIM coverage uses a combination of the UM BI

increased limits factors and the BI increased limits factors in determining the

cost of the UIM BI coverage.

The pricing model for UIM coverage includes tortfeasors' claims (both

voluntary and assigned risk) in the policy limit distributions in determining

the average cost of UIM BI coverage.

The pricing model for UIM coverage includes voluntary experience to

estimate the percentage of uninsured motorists.

Higher limits of UM and UIM loss costs use the same territory variations as

used by basic limits UM.

The present differentials of 2.5% for UM and 10.0% for UIM are applied to

the indicated non-stacked single car loss costs to obtain the stacked single car

loss costs.

A factor of 0. 976 is applied to the UM stacked multi-car loss costs to reflect

the fact that stacking coverage was not affected by the decision in Generette

v. Donegal Mutual Insurance Company, 957 A.2d 1180 (2008).

DETERMINATION

OF UNINSURED

MOTORISTS

LOSS COSTS

The filed Full Tort single car 15/30 UM BI loss costs are determined by first

applying the 15/30 UM BI filed change by tier from Table D1B to the present

15/30 UM BI single car loss costs. The filed Limited Tort loss costs are

determined by applying the -40.54% differential to the filed Full Tort loss costs.

The filed multi-car loss costs are then determined by applying the multi-car

discount to the filed single car loss costs.

The filed single car higher limits UM BI loss costs are determined by applying

the UM BI increased limit factors to the filed 15/30 UM BI single car loss cost.

The filed multicar higher limits UM BI loss costs are then determined by

applying the multicar discount to the filed single car loss costs.

OVERVIEW OF

REPRICING OF

UNDERINSURED

MOTORISTS LOSS COSTS

The filed UIM BI loss costs are determined from the ISO UIM pricing model.

This model uses the filed BI average loss cost, the BI increased limit factors, and

the UM BI increased limit factors in calculating the average loss costs for higher

policy limits.



PENNSYLVANIA


TABLE D2A-1

FULL TORT - STACKED

TERRITORIES 01 AND 14

CALCULATION OF FILED UNINSURED MOTORISTS FULL TORT SEMI-ANNUAL LOSS COSTS

(1) Present Full Tort Basic Limit UM BI Single Car Loss Cost: $23.77

(2) UM BI Loss Cost Level Change: -7.28%

(3) Filed Basic Limit UM BI Single Car Loss Cost: $22.04

(4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

1 Car Policy 2 Car Policy 3 Car Policy

UM BI UM BI UM BI Per Car Loss Costs prior

Stacked Increased Stacked Increased Stacked Increased Split To Multi-Car Discount

Split Limit Split Limit Split Limit Limit 1 Car 2 Car 3 Car

Limit Factor Limit Factor Limit Factor Purchased Policy Policy Policy

15/30 1.000 30/60 1.490 45/90 1.820 15/30 $ 22.59 $ 32.04 $ 39.13

20/40 1.190 40/80 1.720 60/120 2.070 20/40 26.89 36.98 44.51

25/50 1.350 50/100 1.910 75/150 2.280 25/50 30.49 41.07 49.03

35/35 1.510 70/70 2.120 105/105 2.520 35/35 34.11 45.59 54.19

50/100 1.910 100/200 2.550 150/300 2.930 50/100 43.15 54.83 63.00

100/200 2.550 200/400 3.160 300/600 3.440 100/200 57.61 67.95 73.97

100/300 2.560 200/600 3.170 300/900 3.450 100/300 57.83 68.16 74.18

250/500 3.320 500/1000 3.730 750/1500 3.980 250/500 75.00 80.20 85.58

300/300 3.400 600/600 3.820 900/900 4.080 300/300 76.81 82.14 87.73

500/500 3.710 1000/1000 4.150 1500/1500 4.410 500/500 83.81 89.24 94.83

500/1000 3.730 1000/2000 4.160 1500/3000 4.420 500/1000 84.27 89.45 95.04

1000/1000 4.150 2000/2000 4.560 3000/3000 4.730 1000/1000 93.76 98.05 101.71



Stacked Increased Stacked Increased Stacked Increased Single To Multi-Car Discount

Single Limit Single Limit Single Limit Limit 1 Car 2 Car 3 Car


$ 35,000 1.510 $ 70,000 2.120 $ 105,000 2.520 $ 35,000 $ 34.11 $ 45.59 $ 54.19

50,000 1.810 100,000 2.470 150,000 2.860 50,000 40.89 53.11 61.50

75,000 2.190 150,000 2.860 225,000 3.200 75,000 49.48 61.50 68.81

100,000 2.470 200,000 3.110 300,000 3.400 100,000 55.80 66.87 73.11

200,000 3.110 400,000 3.580 600,000 3.820 200,000 70.25 76.98 82.14

300,000 3.400 600,000 3.820 900,000 4.080 300,000 76.81 82.14 87.73

500,000 3.710 1,000,000 4.150 1,500,000 4.410 500,000 83.81 89.24 94.83

1,000,000 4.150 2,000,000 4.560 3,000,000 4.730 1,000,000 93.76 98.05 101.71



PENNSYLVANIA


TABLE D2A-1 (CONTINUED)

FULL TORT - STACKED



(14) (15) (16) (17) (18) (19)

Split Per Car Filed Filed

Limit 2 Car 3-Car Multi-Car Single-Car Multi-Car

Purchased Policy Policy Loss Cost Increment Increment

15/30 $ 25.63 $ 31.30 $ 29.03

20/40 29.58 35.61 33.20 $ 4.30 $ 4.17

25/50 32.86 39.22 36.68 7.90 7.65

35/35 36.47 43.35 40.60 11.52 11.57

50/100 43.86 50.40 47.78 20.56 18.75

100/200 54.36 59.18 57.25 35.02 28.22

100/300 54.53 59.34 57.42 35.24 28.39

250/500 64.16 68.46 66.74 52.41 37.71

300/300 65.71 70.18 68.39 54.22 39.36

500/500 71.39 75.86 74.07 61.22 45.04

500/1000 71.56 76.03 74.24 61.68 45.21

1000/1000 78.44 81.37 80.20 71.17 51.17

Single Per Car Filed Filed



$ 35,000 $ 36.47 $ 43.35 $ 40.60

50,000 42.49 49.20 46.52 $ 6.78 $ 5.92

75,000 49.20 55.05 52.71 15.37 12.11

100,000 53.50 58.49 56.49 21.69 15.89

200,000 61.58 65.71 64.06 36.14 23.46

300,000 65.71 70.18 68.39 42.70 27.79

500,000 71.39 75.86 74.07 49.70 33.47

1,000,000 78.44 81.37 80.20 59.65 39.60



PENNSYLVANIA


TABLE D2A-2

FULL TORT - STACKED






(4) (5) (6) (7) (8) (9) (10) (11) (12) (13)






15/30 1.000 30/60 1.490 45/90 1.820 15/30 $ 5.55 $ 7.86 $ 9.61

20/40 1.190 40/80 1.720 60/120 2.070 20/40 6.60 9.08 10.93

25/50 1.350 50/100 1.910 75/150 2.280 25/50 7.48 10.08 12.03

35/35 1.510 70/70 2.120 105/105 2.520 35/35 8.37 11.19 13.30

50/100 1.910 100/200 2.550 150/300 2.930 50/100 10.59 13.46 15.46

100/200 2.550 200/400 3.160 300/600 3.440 100/200 14.15 16.68 18.16

100/300 2.560 200/600 3.170 300/900 3.450 100/300 14.20 16.73 18.21

250/500 3.320 500/1000 3.730 750/1500 3.980 250/500 18.41 19.69 21.01

300/300 3.400 600/600 3.820 900/900 4.080 300/300 18.85 20.16 21.53

500/500 3.710 1000/1000 4.150 1500/1500 4.410 500/500 20.57 21.90 23.28

500/1000 3.730 1000/2000 4.160 1500/3000 4.420 500/1000 20.68 21.96 23.33

1000/1000 4.150 2000/2000 4.560 3000/3000 4.730 1000/1000 23.01 24.07 24.97






$ 35,000 1.510 $ 70,000 2.120 $ 105,000 2.520 $ 35,000 $ 8.37 $ 11.19 $ 13.30

50,000 1.810 100,000 2.470 150,000 2.860 50,000 10.03 13.04 15.10

75,000 2.190 150,000 2.860 225,000 3.200 75,000 12.15 15.10 16.89

100,000 2.470 200,000 3.110 300,000 3.400 100,000 13.69 16.41 17.95

200,000 3.110 400,000 3.580 600,000 3.820 200,000 17.25 18.90 20.16

300,000 3.400 600,000 3.820 900,000 4.080 300,000 18.85 20.16 21.53

500,000 3.710 1,000,000 4.150 1,500,000 4.410 500,000 20.57 21.90 23.28

1,000,000 4.150 2,000,000 4.560 3,000,000 4.730 1,000,000 23.01 24.07 24.97



PENNSYLVANIA



FULL TORT - STACKED



(14) (15) (16) (17) (18) (19)




15/30 $ 6.29 $ 7.69 $ 7.13

20/40 7.26 8.74 8.15 $ 1.05 $ 1.02

25/50 8.06 9.62 9.00 1.93 1.87

35/35 8.95 10.64 9.96 2.82 2.83

50/100 10.77 12.37 11.73 5.04 4.60

100/200 13.34 14.53 14.05 8.60 6.92

100/300 13.38 14.57 14.09 8.65 6.96

250/500 15.75 16.81 16.39 12.86 9.26

300/300 16.13 17.22 16.78 13.30 9.65

500/500 17.52 18.62 18.18 15.02 11.05

500/1000 17.57 18.66 18.22 15.13 11.09

1000/1000 19.26 19.98 19.69 17.46 12.56




$ 35,000 $ 8.95 $ 10.64 $ 9.96

50,000 10.43 12.08 11.42 $ 1.66 $ 1.46

75,000 12.08 13.51 12.94 3.78 2.98

100,000 13.13 14.36 13.87 5.32 3.91

200,000 15.12 16.13 15.73 8.88 5.77

300,000 16.13 17.22 16.78 10.48 6.82

500,000 17.52 18.62 18.18 12.20 8.22

1,000,000 19.26 19.98 19.69 14.64 9.73



PENNSYLVANIA


TABLE D2A-3

FULL TORT - STACKED

REMAINDER OF STATE





(4) (5) (6) (7) (8) (9) (10) (11) (12) (13)






15/30 1.000 30/60 1.490 45/90 1.820 15/30 $ 2.03 $ 2.88 $ 3.52

20/40 1.190 40/80 1.720 60/120 2.070 20/40 2.42 3.32 4.00

25/50 1.350 50/100 1.910 75/150 2.280 25/50 2.74 3.69 4.40

35/35 1.510 70/70 2.120 105/105 2.520 35/35 3.06 4.10 4.87

50/100 1.910 100/200 2.550 150/300 2.930 50/100 3.87 4.93 5.66

100/200 2.550 200/400 3.160 300/600 3.440 100/200 5.18 6.10 6.65

100/300 2.560 200/600 3.170 300/900 3.450 100/300 5.20 6.12 6.66

250/500 3.320 500/1000 3.730 750/1500 3.980 250/500 6.73 7.21 7.69

300/300 3.400 600/600 3.820 900/900 4.080 300/300 6.90 7.38 7.88

500/500 3.710 1000/1000 4.150 1500/1500 4.410 500/500 7.53 8.02 8.52

500/1000 3.730 1000/2000 4.160 1500/3000 4.420 500/1000 7.57 8.04 8.54

1000/1000 4.150 2000/2000 4.560 3000/3000 4.730 1000/1000 8.43 8.81 9.14






$ 35,000 1.510 $ 70,000 2.120 $ 105,000 2.520 $ 35,000 $ 3.06 $ 4.10 $ 4.87

50,000 1.810 100,000 2.470 150,000 2.860 50,000 3.67 4.77 5.52

75,000 2.190 150,000 2.860 225,000 3.200 75,000 4.45 5.52 6.18

100,000 2.470 200,000 3.110 300,000 3.400 100,000 5.01 6.01 6.57

200,000 3.110 400,000 3.580 600,000 3.820 200,000 6.31 6.92 7.38

300,000 3.400 600,000 3.820 900,000 4.080 300,000 6.90 7.38 7.88

500,000 3.710 1,000,000 4.150 1,500,000 4.410 500,000 7.53 8.02 8.52

1,000,000 4.150 2,000,000 4.560 3,000,000 4.730 1,000,000 8.43 8.81 9.14



PENNSYLVANIA



FULL TORT - STACKED

REMAINDER OF STATE


(14) (15) (16) (17) (18) (19)




15/30 $ 2.30 $ 2.82 $ 2.61

20/40 2.66 3.20 2.98 $ 0.39 $ 0.37

25/50 2.95 3.52 3.29 0.71 0.68

35/35 3.28 3.90 3.65 1.03 1.04

50/100 3.94 4.53 4.29 1.84 1.68

100/200 4.88 5.32 5.14 3.15 2.53

100/300 4.90 5.33 5.16 3.17 2.55

250/500 5.77 6.15 6.00 4.70 3.39

300/300 5.90 6.30 6.14 4.87 3.53

500/500 6.42 6.82 6.66 5.50 4.05

500/1000 6.43 6.83 6.67 5.54 4.06

1000/1000 7.05 7.31 7.21 6.40 4.60




$ 35,000 $ 3.28 $ 3.90 $ 3.65

50,000 3.82 4.42 4.18 $ 0.61 $ 0.53

75,000 4.42 4.94 4.73 1.39 1.08

100,000 4.81 5.26 5.08 1.95 1.43

200,000 5.54 5.90 5.76 3.25 2.11

300,000 5.90 6.30 6.14 3.84 2.49

500,000 6.42 6.82 6.66 4.47 3.01

1,000,000 7.05 7.31 7.21 5.37 3.56



PENNSYLVANIA



LINE (1)

Present 15/30 Full Tort basic limit Uninsured Motorists Bodily Injury single car

loss cost contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

LINE (2)

Filed Uninsured Motorists Bodily Injury base loss cost level change as determined

in Table D1B, Column (12).

LINE (3) The filed basic limit Uninsured Motorists Bodily Injury 15/30 single car loss cost

was calculated by applying the Uninsured Motorists Bodily Injury loss cost level

change (Line (2)) to the present basic limit Uninsured Motorists Bodily Injury

single car loss cost (Line (1)).

COLUMN (4) Stacked policy limit available to the insured, for a 1 car policy. These are equal to

the policy limits purchased shown in Column (10).

COLUMN (5)

Uninsured Motorists Bodily Injury increased limits factor for the policy limits in

Column (4).

COLUMN (6) Stacked policy limits available to the insured, for a 2 car policy. These are equal to

2 times the policy limits purchased shown in Column (10).

COLUMN (7)


Column (6).

COLUMN (8) Stacked policy limits available to the insured, for a 3 car policy. These are equal to

3 times the policy limits purchased shown in Column (10).

COLUMN (9)


Column (8).

COLUMN (10) Uninsured Motorists Bodily Injury policy limits purchased by the insured.

COLUMN (11) Per car loss costs prior to multi-car discount, for a 1 car policy, are calculated by

multiplying the filed Uninsured Motorists Bodily Injury basic limit loss cost

(Line (3)) by the increased limits factors in Column (5) and the present UM single

car stacked vs. non-stacked differential of 1.025. These are the filed loss costs for

single car policies.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D2A (Cont'd)

COLUMN (12) Per car loss costs prior to multicar discount, for a 2 car policy, are calculated by


(Line (3)) by the increased limits factors in Column (7) and a factor of 0.976

(1/1.025) to reflect the fact that stacking coverage was not affected by the decision

in Generette v. Donegal Mutual Insurance Company, 957 A.2d 1180 (2008).

COLUMN (13) Per car loss costs prior to multicar discount, for a 3 car policy, are calculated by


(Line (3)) by the increased limits factors in Column (9).

COLUMN (14) Uninsured Motorists Bodily Injury limits purchased by the insured.

COLUMN (15) Per car loss costs reflecting the multi-car discount, for a 2 car policy, are calculated

by multiplying the loss costs in Column (12) by the multi-car discount factor of

0.80.

COLUMN (16) Per car loss costs reflecting the multicar discount, for a 3 car policy, are calculated

by multiplying the loss costs in Column (13) by the multicar discount factor of

0.80.

COLUMN (17) Filed per car multi-car loss costs reflecting the multicar discount are calculated as

follows:

(Column (15) x 0.40) + (Column (16) x 0.60)

where 0.40 is the percentage of multicar exposures in 2 car policies and 0.60 is the

percentage of multi-car exposures in 3 car policies. This multi-car exposure split is

based on a selected average of 2.50 cars per multi-car policy. 2.50 cars per multi-

car policy implies that 40% of the exposures [(2 x 0.50) / 2.50) = 0.40] are in 2 car

policies and 60% of the exposures [(3 x 0.50) / 2.50) = 0.60] are in 3 car policies.

The selected average of 2.50 cars per multi-car policy is based on an average of

2.72 cars per policy as collected in the ISO Statistical Plan. ISO has selected an

average of 2.50 cars per multi-car policy in order to ensure that a multi-car policy

insuring two cars does not exceed the cost of insuring the cars separately.

COLUMN (18) The filed single car increments are calculated as follows:

The filed loss costs for single car policies (shown in Column (11)) minus the filed

basic limit loss cost shown in Column (11) (15/30 for split limit policies and

$35,000 for single limit policies).

COLUMN (19) The filed per car multi-car increments are calculated as follows:

The filed per car loss costs for multi-car policies (shown in Column (17)) minus

the filed basic limit per car loss cost shown in Column (17) (15/30 for split limit

policies and $35,000 for single limit policies).



PENNSYLVANIA


TABLE D2B-1

FULL TORT - NON-STACKED



(1) Present Basic Limit Full Tort UM BI Single Car Loss Cost: $23.77



(4) (5) (6) (7) (8)

Filed Filed

UM BI Filed Filed Per Car Per Car

UM BI Increased Single Car Single Car Multi-Car Multi-Car

Split Limits UM BI UM BI UM BI UM BI

Limit Factor Loss Cost Increment Loss Cost Increment

15/30 1.000 $ 22.04 $ 17.63

20/40 1.190 26.23 $ 4.19 20.98 $ 3.35

25/50 1.350 29.75 7.71 23.80 6.17

35/35 1.510 33.28 11.24 26.62 8.99

50/100 1.910 42.10 20.06 33.68 16.05

100/200 2.550 56.20 34.16 44.96 27.33

100/300 2.560 56.42 34.38 45.14 27.51

250/500 3.320 73.17 51.13 58.54 40.91

300/300 3.400 74.94 52.90 59.95 42.32

500/500 3.710 81.77 59.73 65.42 47.79

500/1000 3.730 82.21 60.17 65.77 48.14

1000/1000 4.150 91.47 69.43 73.18 55.55



PENNSYLVANIA


TABLE D2B-2







(4) (5) (6) (7) (8)

Filed Filed





15/30 1.000 $ 5.41 $ 4.33

20/40 1.190 6.44 $ 1.03 5.15 $ 0.82

25/50 1.350 7.30 1.89 5.84 1.51

35/35 1.510 8.17 2.76 6.54 2.21

50/100 1.910 10.33 4.92 8.26 3.93

100/200 2.550 13.80 8.39 11.04 6.71

100/300 2.560 13.85 8.44 11.08 6.75

250/500 3.320 17.96 12.55 14.37 10.04

300/300 3.400 18.39 12.98 14.71 10.38

500/500 3.710 20.07 14.66 16.06 11.73

500/1000 3.730 20.18 14.77 16.14 11.81

1000/1000 4.150 22.45 17.04 17.96 13.63



PENNSYLVANIA


TABLE D2B-3


REMAINDER OF STATE





(4) (5) (6) (7) (8)

Filed Filed





15/30 1.000 $ 1.98 $ 1.58

20/40 1.190 2.36 $ 0.38 1.89 $ 0.31

25/50 1.350 2.67 0.69 2.14 0.56

35/35 1.510 2.99 1.01 2.39 0.81

50/100 1.910 3.78 1.80 3.02 1.44

100/200 2.550 5.05 3.07 4.04 2.46

100/300 2.560 5.07 3.09 4.06 2.48

250/500 3.320 6.57 4.59 5.26 3.68

300/300 3.400 6.73 4.75 5.38 3.80

500/500 3.710 7.35 5.37 5.88 4.30

500/1000 3.730 7.39 5.41 5.91 4.33

1000/1000 4.150 8.22 6.24 6.58 5.00



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D2B

LINE (1)

Present 15/30 Full Tort basic limit Uninsured Motorists Bodily Injury single car

loss cost contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

LINE (2)

Filed Uninsured Motorists Bodily Injury base loss cost level change , as

determined in Table D1B, Column (12).

LINE (3)

The filed basic limit Uninsured Motorists Bodily Injury 15/30 single car loss cost

is calculated by applying the Uninsured Motorists Bodily Injury loss cost level

change (Line (2)) to the present basic limit Uninsured Motorists Bodily Injury

single car loss cost (Line (1)).

COLUMN (4)

Uninsured Motorists Bodily Injury increased limits factor for the policy limit

shown.

COLUMN (5)

The filed single car Uninsured Motorists Bodily Injury loss cost is calculated by

multiplying the filed basic limit Uninsured Motorists Bodily Injury loss cost

(Line (3)) by the increased limits factors in Column (4).

COLUMN (6) The filed single car increment is calculated as follows:

The filed loss cost for single car policies (shown in Column (5)) minus the filed

15/30 basic limit loss cost shown in Column (5).

COLUMN (7)

The filed per car multi-car Uninsured Motorists Bodily Injury loss cost is

calculated by multiplying the filed single car loss costs in Column (5) by the multi-

car discount factor of 0.80.

COLUMN (8) The filed per car multi-car increment is calculated as follows:

The filed per car loss cost for multicar policies (shown in Column (7)) minus the

filed 15/30 basic limit per car loss cost shown in Column (7).



PENNSYLVANIA


TABLE D2C-1




(1) (2) (3) (4) (5)

Filed Filed



Single Limits UM BI UM BI UM BI UM BI


$35,000 1.510 $ 33.28 $ 26.62

50,000 1.810 39.89 $ 6.61 31.91 $ 5.29

75,000 2.190 48.27 14.99 38.62 12.00

100,000 2.470 54.44 21.16 43.55 16.93

200,000 3.110 68.54 35.26 54.83 28.21

300,000 3.400 74.94 41.66 59.95 33.33

500,000 3.710 81.77 48.49 65.42 38.80

1,000,000 4.150 91.47 58.19 73.18 46.56



PENNSYLVANIA


TABLE D2C-2




(1) (2) (3) (4) (5)

Filed Filed





$35,000 1.510 $ 8.17 $ 6.54

50,000 1.810 9.79 $ 1.62 7.83 $ 1.29

75,000 2.190 11.85 3.68 9.48 2.94

100,000 2.470 13.36 5.19 10.69 4.15

200,000 3.110 16.83 8.66 13.46 6.92

300,000 3.400 18.39 10.22 14.71 8.17

500,000 3.710 20.07 11.90 16.06 9.52

1,000,000 4.150 22.45 14.28 17.96 11.42



PENNSYLVANIA


TABLE D2C-3


REMAINDER OF STATE


(1) (2) (3) (4) (5)

Filed Filed





$35,000 1.510 $ 2.99 $ 2.39

50,000 1.810 3.58 $ 0.59 2.86 $ 0.47

75,000 2.190 4.34 1.35 3.47 1.08

100,000 2.470 4.89 1.90 3.91 1.52

200,000 3.110 6.16 3.17 4.93 2.54

300,000 3.400 6.73 3.74 5.38 2.99

500,000 3.710 7.35 4.36 5.88 3.49

1,000,000 4.150 8.22 5.23 6.58 4.19



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D2C

COLUMN (1) Uninsured Motorists Bodily Injury increased limits factor for the policy limit

shown.

COLUMN (2)

The filed single car Uninsured Motorists Bodily Injury loss costs are calculated by

multiplying the filed 15/30 basic limit Uninsured Motorists Bodily Injury loss cost

(Table D2B, Line (3)) by the increased limits factors in Column (1).

COLUMN (3) The filed single car increments are calculated as follows:

The filed loss costs for single car policies (shown in Column (2)) minus the filed

$35,000 basic limit loss cost shown in Column (2).

COLUMN (4)

The filed per car multi-car Uninsured Motorists Bodily Injury loss cost is

calculated by multiplying the filed single car loss costs in Column (2) by the multi-

car discount factor of 0.80 .

COLUMN (5) The filed per car multi-car increment is calculated as follows:

The filed per car loss cost for multicar policies (shown in Column (4)) minus the

filed $35,000 basic limit per car loss cost shown in Column (4).



PENNSYLVANIA


TABLE D3-1

FULL TORT


DETERMINATION OF INDICATED DAMAGES REDUCTION

UNDERINSURED MOTORISTS SEMI-ANNUAL LOSS COSTS

$100,000/$300,000 UIM

(1) (2) (3) (4) (5) (6) (7) (8)

Average

UMBI Average Loss Cost Indicated

Distri- Total ILF for Loss Cost for Loss Cost

BI Limits bution Combined Layer for BI Limits for

of Party of Policy Limit of BI ILF from (1) Combined of Party Additional

at Fault Limits Coverage of (1) to (3) Coverage at Fault Coverage_

15/30 0.110 115/330 1.00 2.690 $ 284.04 $ 105.59 $ 178.45

20/40 0.007 120/340 1.17 2.294 283.40 123.54 159.86

25/50 0.087 125/350 1.31 2.052 283.84 138.32 145.52

35/35 0.002 135/335 1.45 1.881 287.99 153.11 134.88

50/50 0.001 150/350 1.72 1.619 294.03 181.61 112.42

50/100 0.122 150/400 1.81 1.534 293.17 191.12 102.05

75/75 0.000 175/375 2.07 1.397 305.34 218.57 86.77

100/100 0.010 200/400 2.33 1.279 314.67 246.02 68.65

100/200 0.008 200/500 2.41 1.243 316.31 254.47 61.84

100/300 0.388 200/600 2.42 1.238 316.34 255.53 60.81

200/200 0.000 300/500 2.97 1.106 346.84 313.60 33.24

250/500 0.126 350/800 3.20 1.063 359.17 337.89 21.28

300/300 0.069 400/600 3.29 1.059 367.89 347.39 20.50

500/500 0.054 600/800 3.64 1.035 397.80 384.35 13.45

500/1000 0.010 600/1300 3.66 1.029 397.67 386.46 11.21

1000/1000 0.006 1100/1300 4.02 1.017 431.69 424.47 7.22

__________________________________________________________________________________

(9) Cost of all BI limits of at-fault party {sum of (8) x (2)}: $ 75.99

(10) Portion of at-fault parties insured: 0.838

(11) Cost of coverage for at-fault parties insured ($ 75.99 x 0.838): $ 63.68

(12) 15/30 BI average loss cost: $105.59



PENNSYLVANIA


TABLE D3-2

FULL TORT




$100,000/$300,000 UIM

(1) (2) (3) (4) (5) (6) (7) (8)

Average






15/30 0.110 115/330 1.00 2.690 $ 152.58 $ 56.72 $ 95.86

20/40 0.007 120/340 1.17 2.294 152.24 66.36 85.88

25/50 0.087 125/350 1.31 2.052 152.47 74.30 78.17

35/35 0.002 135/335 1.45 1.881 154.70 82.24 72.46

50/50 0.001 150/350 1.72 1.619 157.95 97.56 60.39

50/100 0.122 150/400 1.81 1.534 157.49 102.66 54.83

75/75 0.000 175/375 2.07 1.397 164.02 117.41 46.61

100/100 0.010 200/400 2.33 1.279 169.03 132.16 36.87

100/200 0.008 200/500 2.41 1.243 169.91 136.70 33.21

100/300 0.388 200/600 2.42 1.238 169.93 137.26 32.67

200/200 0.000 300/500 2.97 1.106 186.31 168.46 17.85

250/500 0.126 350/800 3.20 1.063 192.94 181.50 11.44

300/300 0.069 400/600 3.29 1.059 197.62 186.61 11.01

500/500 0.054 600/800 3.64 1.035 213.69 206.46 7.23

500/1000 0.010 600/1300 3.66 1.029 213.62 207.60 6.02

1000/1000 0.006 1100/1300 4.02 1.017 231.89 228.01 3.88

__________________________________________________________________________________




(12) 15/30 BI average loss cost: $ 56.72



PENNSYLVANIA


TABLE D3-3

FULL TORT

REMAINDER OF STATE



$100,000/$300,000 UIM

(1) (2) (3) (4) (5) (6) (7) (8)

Average






15/30 0.110 115/330 1.00 2.690 $ 73.36 $ 27.27 $ 46.09

20/40 0.007 120/340 1.17 2.294 73.19 31.91 41.28

25/50 0.087 125/350 1.31 2.052 73.31 35.72 37.59

35/35 0.002 135/335 1.45 1.881 74.38 39.54 34.84

50/50 0.001 150/350 1.72 1.619 75.94 46.90 29.04

50/100 0.122 150/400 1.81 1.534 75.72 49.36 26.36

75/75 0.000 175/375 2.07 1.397 78.86 56.45 22.41

100/100 0.010 200/400 2.33 1.279 81.27 63.54 17.73

100/200 0.008 200/500 2.41 1.243 81.69 65.72 15.97

100/300 0.388 200/600 2.42 1.238 81.70 65.99 15.71

200/200 0.000 300/500 2.97 1.106 89.58 80.99 8.59

250/500 0.126 350/800 3.20 1.063 92.76 87.26 5.50

300/300 0.069 400/600 3.29 1.059 95.01 89.72 5.29

500/500 0.054 600/800 3.64 1.035 102.74 99.26 3.48

500/1000 0.010 600/1300 3.66 1.029 102.70 99.81 2.89

1000/1000 0.006 1100/1300 4.02 1.017 111.49 109.63 1.86

__________________________________________________________________________________




(12) 15/30 BI average loss cost: $ 27.27



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D3

INTRODUCTION

The explanations that follow clarify Table D3, Determination of Indicated

Damages Reduction (with a damages trigger) Underinsured Motorists Loss Costs.

Table D3 shows the calculation of the average loss cost for a 100/300 UIM policy

purchased, where the tortfeasors have purchased either split limit policies or single

limit policies.

Pennsylvania Underinsured Motorists Coverage has a Damages Trigger and a

Damages Reduction .

Under a damages trigger, Underinsured Motorists Coverage becomes available

only if the insured's damages exceed the atfault party's (tortfeasor's) Bodily Injury

Liability limit.

Under a damages reduction , the amount paid by the tortfeasor reduces the amount

of actual damages sustained by the insured that the Underinsured Motorists

coverage pays for. With this type of reduction, Underinsured Motorists acts as

"excess" coverage, in that the full Underinsured Motorists Bodily Injury limit is

available in addition to any amounts received from the tortfeasor. As a result, the

insured's total recovery from all sources (i.e. the tortfeasor's payment plus any

Underinsured Motorists coverage) may well exceed the maximum limit for

Underinsured Motorists Bodily Injury under the policy.

The Damages Reduction (with a damages trigger) Underinsured Motorists loss

costs are calculated using the Damages Reduction (with a damages trigger)

Underinsured Motorists Pricing Model. This model assumes that the Underinsured

Motorists coverage provides a layer of Bodily Injury coverage between the

tortfeasor's Bodily Injury Liability limit and the sum of the insured's Underinsured

Motorists Bodily Injury limit and the tortfeasor's Bodily Injury Liability limit. This

calculation is shown for the 100/300 UIM limit in Table D3.

COLUMN (1) The limits displayed are the most commonly purchased Bodily Injury limits

purchased by the tortfeasor. The Underinsured Motorists Bodily Injury coverage is

triggered when these limits are exhausted.

COLUMN (2)

For each Bodily Injury Liability policy limit, this is the distribution of policies

based on the tortfeasors’ claims by policy limit for Bodily Injury Liability for year

ending 12/31/2016. This distribution is based on voluntary and assigned risk

exposures combined.



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D3 (Cont'd)

COLUMN (3) The total combined limit of coverage is the sum of the insured's Underinsured

Motorists policy limits and the tortfeasor's Bodily Injury Liability coverage limits.

COLUMN (4)

Bodily Injury increased limits factors for the policy limits in Column (1) to be

applied to the 15/30 average Bodily Injury loss cost.

COLUMN (5)

The Uninsured Motorists Bodily Injury increased limits factors in Column (5) are

calculated by reindexing the UMBI increased limits factors as follows:

The UMBI increased limits factor for the combined limit (Column (3)) is divided

by the UMBI increased limits factor for the party at-fault's limit (Column (1)).

Table D3-1, 50/100: 2.930 ÷ 1.910 = 1.534

COLUMN (6) The average loss cost for the total coverage available to the insured is calculated by

applying the increased limit factors in Column (4) and Column (5) to the average

15/30 Bodily Injury loss cost of Line (12).

COLUMN (7) The average Bodily Injury loss cost of the tortfeasor is calculated by multiplying

the average 15/30 Bodily Injury loss cost in Line (12) by the increased limit factor

for the tortfeasor's Bodily Injury limit (Column (4)).

COLUMN (8) The indicated loss cost for the additional coverage provided by Underinsured

Motorists is the difference between the total combined coverage average loss cost

(Column (6)) and the tortfeasor's average loss cost (Column (7)). This amount will

cover the insured's losses above the tortfeasor's Bodily Injury Liability limits up to

the amounts specified by the limits in Column (3).

LINE (9) Using the results from Column (8), the indicated overall loss cost of the coverage

provided by Underinsured Motorists can be determined. This is accomplished by

weighting the indicated loss costs for each limit in Column (8) by the policy limit

distribution in Column (2).



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D3 (Cont'd)

LINES (10) AND (11)

Because Underinsured Motorists applies only when the tortfeasor is insured, the

indicated Underinsured Motorists charge is adjusted by an estimate of the

percentage of drivers in the state that are insured. The percentage is given by:

1 – [(Current Uninsured Motorists claim frequency)/

(Current Bodily Injury claim frequency)],

where the claim frequencies are based on voluntary and assigned risks combined.

The result is the average loss cost for a given limit of Underinsured Motorists

coverage.

The result for each Underinsured Motorist non-stacked limit is shown in

Table D4B, Column (1).

Because Underinsured Motorists coverage is also available on a stacked basis, the

Underinsured Motorists Pricing Model calculates the per car loss cost for a given

limit of Underinsured Motorists coverage separately for insureds with a one car

policy, a two car policy and a three car policy. Underinsured Motorists loss costs

for a two car policy are determined by doubling the UIM limits purchased.

Underinsured Motorists loss costs for a three car policy are determined by tripling

the UIM limits purchased. The results for each Underinsured Motorists limit for

insureds with a one car policy, a two car policy and a three car policy are shown in

Table D4B in Columns (2), (4) and (6), respectively.

LINE (12) The 15/30 average loss cost is based on the latest year of data, year ending

12/31/2016.



PENNSYLVANIA


TABLE D4A


CALCULATION OF OFFSET FOR THE MULTI-CAR DISCOUNT

(1) (2)

Percent Of Present

Exposures Discount

Single Car Policies 50.0% 1.00

Multi-Car Policies 50.0% 0.80

0.900

(3) Offset = 1.000 / 0.900 = 1.111



(1) (2)

Percent Of Present

Exposures Discount



0.853

(3) Offset = 1.000 / 0.853 = 1.172

REMAINDER OF STATE


(1) (2)

Percent Of Present

Exposures Discount



0.850

(3) Offset = 1.000 / 0.850 = 1.176



PENNSYLVANIA



INTRODUCTION

Our pricing model for Underinsured Motorists produces average single and

multicar loss costs for this coverage. The calculated offset for the multi-car

discount is applied to the results of the model to produce the filed single car loss

cost. It is not applied to the present Underinsured Motorists single car loss costs.

COLUMN (1) The percentage of exposures for single car policies is the percentage of single car

exposures. The percentage of exposures for multicar policies is the percentage of

multicar exposures.

COLUMN (2) The present multicar discount factor is 1.00 for single cars and 0.80 for each car in

a multicar policy.

The present average discount for all policies is the discount in Column (2)

weighted on the percentage of exposures in Column (1).

LINE (3) The offset is determined by taking the reciprocal of the present average discount

for all policies (1.000 ÷ Column (2) total).



PENNSYLVANIA


TABLE D4B-1

FULL TORT - STACKED


CALCULATION OF FILED UNDERINSURED MOTORISTS FULL TORT SEMI-ANNUAL LOSS COSTS

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)


Per Car Loss Costs Prior

Stacked UIM BI Stacked UIM BI Stacked UIM BI Split To Multi-Car Discount

Split Ave. Loss Split Per Car Split Per Car Limit 1 Car 2 Car 3 Car

Limit Cost Limit Loss Cost Limit Loss Cost Purchased Policy Policy Policy

15/30 $ 15.50 30/60 $ 27.48 45/90 $ 37.37 15/30 $ 20.84 $ 30.53 $ 41.52

20/40 19.73 40/80 34.34 60/120 46.09 20/40 26.52 38.15 51.21

25/50 23.88 50/100 40.41 75/150 53.20 25/50 32.10 44.90 59.11

35/35 30.05 70/70 49.71 105/105 63.70 35/35 40.40 55.23 70.77

50/100 40.41 100/200 63.48 150/300 78.25 50/100 54.33 70.53 86.94

100/200 63.48 200/400 88.84 300/600 103.66 100/200 85.34 98.70 115.17

100/300 63.68 200/600 88.90 300/900 103.66 100/300 85.61 98.77 115.17

250/500 96.86 500/1000 123.03 750/1500 141.08 250/500 130.21 136.69 156.74

300/300 102.40 600/600 130.18 900/900 149.19 300/300 137.66 144.63 165.75

500/500 122.63 1000/1000 154.09 1500/1500 173.11 500/500 164.85 171.19 192.33

500/1000 123.03 1000/2000 154.93 1500/3000 173.29 500/1000 165.39 172.13 192.53

1000/1000 154.09 2000/2000 184.75 3000/3000 197.13 1000/1000 207.14 205.26 219.01


Stacked UIM BI Stacked UIM BI Stacked UIM BI Single To Multi-Car Discount

Single Ave. Loss Single Per Car Single Per Car Limit 1 Car 2 Car 3 Car


$ 35,000 $ 30.05 $ 70,000 $ 49.71 $ 105,000 $ 63.70 $ 35,000 $ 40.40 $ 55.23 $ 70.77

50,000 39.24 100,000 61.77 150,000 76.88 50,000 52.76 68.63 85.41

75,000 51.85 150,000 76.88 225,000 91.81 75,000 69.71 85.41 102.00

100,000 61.77 200,000 87.81 300,000 102.40 100,000 83.04 97.56 113.77

200,000 87.81 400,000 113.42 600,000 130.18 200,000 118.05 126.01 144.63

300,000 102.40 600,000 130.18 900,000 149.19 300,000 137.66 144.63 165.75

500,000 122.63 1,000,000 154.09 1,500,000 173.11 500,000 164.85 171.19 192.33

1,000,000 154.09 2,000,000 184.75 3,000,000 197.13 1,000,000 207.14 205.26 219.01



PENNSYLVANIA


TABLE D4B-1 (CONTINUED)



(11) (12) (13) (14)

Split

Limit 2 Car 3-Car Per Car Multi-Car

Purchased Policy Policy Loss Cost

15/30 $ 24.42 $ 33.22 $ 29.70

20/40 30.52 40.97 36.79

25/50 35.92 47.29 42.74

35/35 44.18 56.62 51.64

50/100 56.42 69.55 64.30

100/200 78.96 92.14 86.87

100/300 79.02 92.14 86.89

250/500 109.35 125.39 118.97

300/300 115.70 132.60 125.84

500/500 136.95 153.86 147.10

500/1000 137.70 154.02 147.49

1000/1000 164.21 175.21 170.81

Single



$ 35,000 $ 44.18 $ 56.62 $ 51.64

50,000 54.90 68.33 62.96

75,000 68.33 81.60 76.29

100,000 78.05 91.02 85.83

200,000 100.81 115.70 109.74

300,000 115.70 132.60 125.84

500,000 136.95 153.86 147.10

1,000,000 164.21 175.21 170.81



PENNSYLVANIA


TABLE D4B-2

FULL TORT - STACKED



(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)






15/30 $ 9.26 30/60 $ 16.42 45/90 $ 22.33 15/30 $ 13.13 $ 19.24 $ 26.17

20/40 11.79 40/80 20.52 60/120 27.54 20/40 16.72 24.05 32.28

25/50 14.27 50/100 24.15 75/150 31.78 25/50 20.23 28.30 37.25

35/35 17.95 70/70 29.70 105/105 38.06 35/35 25.46 34.81 44.61

50/100 24.15 100/200 37.93 150/300 46.76 50/100 34.24 44.45 54.80

100/200 37.93 200/400 53.08 300/600 61.93 100/200 53.78 62.21 72.58

100/300 38.05 200/600 53.11 300/900 61.93 100/300 53.95 62.24 72.58

250/500 57.87 500/1000 73.50 750/1500 84.29 250/500 82.06 86.14 98.79

300/300 61.18 600/600 77.78 900/900 89.14 300/300 86.76 91.16 104.47

500/500 73.26 1000/1000 92.06 1500/1500 103.41 500/500 103.89 107.89 121.20

500/1000 73.50 1000/2000 92.57 1500/3000 103.53 500/1000 104.23 108.49 121.34

1000/1000 92.06 2000/2000 110.38 3000/3000 117.78 1000/1000 130.55 129.37 138.04





$ 35,000 $ 17.95 $ 70,000 $ 29.70 $ 105,000 $ 38.06 $ 35,000 $ 25.46 $ 34.81 $ 44.61

50,000 23.44 100,000 36.91 150,000 45.93 50,000 33.24 43.26 53.83

75,000 30.98 150,000 45.93 225,000 54.86 75,000 43.94 53.83 64.30

100,000 36.91 200,000 52.46 300,000 61.18 100,000 52.34 61.48 71.70

200,000 52.46 400,000 67.77 600,000 77.78 200,000 74.39 79.43 91.16

300,000 61.18 600,000 77.78 900,000 89.14 300,000 86.76 91.16 104.47

500,000 73.26 1,000,000 92.06 1,500,000 103.41 500,000 103.89 107.89 121.20

1,000,000 92.06 2,000,000 110.38 3,000,000 117.78 1,000,000 130.55 129.37 138.04



PENNSYLVANIA





(11) (12) (13) (14)

Split



15/30 $ 15.39 $ 20.94 $ 18.72

20/40 19.24 25.82 23.19

25/50 22.64 29.80 26.94

35/35 27.85 35.69 32.55

50/100 35.56 43.84 40.53

100/200 49.77 58.06 54.74

100/300 49.79 58.06 54.75

250/500 68.91 79.03 74.98

300/300 72.93 83.58 79.32

500/500 86.31 96.96 92.70

500/1000 86.79 97.07 92.96

1000/1000 103.50 110.43 107.66

Single



$ 35,000 $ 27.85 $ 35.69 $ 32.55

50,000 34.61 43.06 39.68

75,000 43.06 51.44 48.09

100,000 49.18 57.36 54.09

200,000 63.54 72.93 69.17

300,000 72.93 83.58 79.32

500,000 86.31 96.96 92.70

1,000,000 103.50 110.43 107.66



PENNSYLVANIA


TABLE D4B-3

FULL TORT - STACKED

REMAINDER OF STATE


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)






15/30 $ 4.56 30/60 $ 8.07 45/90 $ 10.98 15/30 $ 6.49 $ 9.49 $ 12.91

20/40 5.79 40/80 10.09 60/120 13.54 20/40 8.24 11.87 15.92

25/50 7.01 50/100 11.87 75/150 15.63 25/50 9.97 13.96 18.38

35/35 8.82 70/70 14.60 105/105 18.71 35/35 12.55 17.17 22.00

50/100 11.87 100/200 18.65 150/300 22.99 50/100 16.89 21.93 27.04

100/200 18.65 200/400 26.10 300/600 30.45 100/200 26.54 30.69 35.81

100/300 18.71 200/600 26.11 300/900 30.45 100/300 26.62 30.71 35.81

250/500 28.45 500/1000 36.14 750/1500 41.44 250/500 40.49 42.50 48.73

300/300 30.08 600/600 38.23 900/900 43.82 300/300 42.80 44.96 51.53

500/500 36.02 1000/1000 45.26 1500/1500 50.84 500/500 51.26 53.23 59.79

500/1000 36.14 1000/2000 45.51 1500/3000 50.90 500/1000 51.43 53.52 59.86

1000/1000 45.26 2000/2000 54.26 3000/3000 57.90 1000/1000 64.41 63.81 68.09





$ 35,000 $ 8.82 $ 70,000 $ 14.60 $ 105,000 $ 18.71 $ 35,000 $ 12.55 $ 17.17 $ 22.00

50,000 11.52 100,000 18.15 150,000 22.58 50,000 16.40 21.34 26.55

75,000 15.23 150,000 22.58 225,000 26.97 75,000 21.67 26.55 31.72

100,000 18.15 200,000 25.79 300,000 30.08 100,000 25.82 30.33 35.37

200,000 25.79 400,000 33.32 600,000 38.23 200,000 36.70 39.18 44.96

300,000 30.08 600,000 38.23 900,000 43.82 300,000 42.80 44.96 51.53

500,000 36.02 1,000,000 45.26 1,500,000 50.84 500,000 51.26 53.23 59.79

1,000,000 45.26 2,000,000 54.26 3,000,000 57.90 1,000,000 64.41 63.81 68.09



PENNSYLVANIA



REMAINDER OF STATE


(11) (12) (13) (14)

Split



15/30 $ 7.59 $ 10.33 $ 9.23

20/40 9.50 12.74 11.44

25/50 11.17 14.70 13.29

35/35 13.74 17.60 16.06

50/100 17.54 21.63 19.99

100/200 24.55 28.65 27.01

100/300 24.57 28.65 27.02

250/500 34.00 38.98 36.99

300/300 35.97 41.22 39.12

500/500 42.58 47.83 45.73

500/1000 42.82 47.89 45.86

1000/1000 51.05 54.47 53.10

Single



$ 35,000 $ 13.74 $ 17.60 $ 16.06

50,000 17.07 21.24 19.57

75,000 21.24 25.38 23.72

100,000 24.26 28.30 26.68

200,000 31.34 35.97 34.12

300,000 35.97 41.22 39.12

500,000 42.58 47.83 45.73

1,000,000 51.05 54.47 53.10



PENNSYLVANIA


EXPLANATORY NOTES TO TABLE D4B

COLUMN (1)

Stacked policy limits available to the insured, for a 1 car policy. These are

equal to the policy limits purchased shown in Column (7).

COLUMN (2) Underinsured Motorists Bodily Injury indicated average per car loss cost for the

policy limits in Column (1). These are the Underinsured Motorists average loss

costs for each UIM limit which result from the Underinsured Motorists Pricing

Model described in Table D3.

COLUMN (3) Stacked policy limits available to the insured, for a 2 car policy. These are

equal to 2 times the policy limits purchased shown in Column (7).





COLUMN (5) Stacked policy limits available to the insured, for a 3 car policy. These are

equal to 3 times the policy limits purchased shown in Column (7).





COLUMN (7) Underinsured Motorists Bodily Injury policy limits purchased by the insured.

COLUMN (8) Per car loss costs prior to multicar discount, for a 1 car policy, are calculated

by multiplying the Underinsured Motorists Bodily Injury average loss cost in

Column (2) by the offset factor shown in Table D4A, a factor of 1.10 to reflect

additional non-stacked coverage afforded under Generette v. Donegal Mutual

Insurance Company, 957 A.2d 1180 (2008), and the present UIM single car

stacked vs. non-stacked differential of 1.10. These are the filed loss costs for

single car policies.


by multiplying the Underinsured Motorists Bodily Injury average per car loss

cost in Column (4) by the offset factor shown in Table D4A.


by multiplying the Underinsured Motorists Bodily Injury average per car loss

cost in Column (6) by the offset factor shown in Table D4A.

COLUMN (11) Uninsured Motorists Bodily Injury limits purchased by the insured.

COLUMN (12) Per car loss costs reflecting the multicar discount, for a 2 car policy, are

calculated by multiplying the per car loss costs in Column (9) by the multi-car

discount factor of .80.



PENNSYLVANIA



COLUMN (13) Per car loss costs reflecting the multicar discount, for a 3 car policy, are

calculated by multiplying the per car loss costs in Column (10) by the multi-car

discount factor of .80.

COLUMN (14) Filed per car multicar loss costs reflecting the multicar discount are calculated

as follows:

(Column (12) x 0.40) + (Column (13) x 0.60)

where 0.40 is the percentage of multicar exposures in 2 car policies and 0.60 is

the percentage of multi-car exposures in 3 car policies. This multi-car exposure

split is based on a selected average of 2.50 cars per multi-car policy. 2.50 cars

per multi-car policy implies that 40% of the exposures [(2 x 0.50) / 2.50) =

0.40] are in 2 car policies and 60% of the exposures [(3 x 0.50) / 2.50) = 0.60]

are in 3 car policies.

The selected average of 2.50 cars per multi-car policy is based on an average of

2.72 cars per policy as collected in the ISO Statistical Plan. ISO has selected an

average of 2.50 cars per multi-car policy in order to ensure that a multi-car

policy insuring two cars does not exceed the cost of insuring the cars

separately.



PENNSYLVANIA


TABLE D4C-1




(1) (2) (3)

Split Single/Multi Single Car Per Car Multi-Car

Limits Combined (A) Loss Cost (B) Loss Cost (C)

15/30 $ 15.50 $ 18.94 $ 15.15

20/40 19.73 24.11 19.29

25/50 23.88 29.18 23.34

35/35 30.05 36.73 29.38

50/100 40.41 49.39 39.51

100/200 63.48 77.58 62.06

100/300 63.68 77.83 62.26

250/500 96.86 118.37 94.70

300/300 102.40 125.15 100.12

500/500 122.63 149.86 119.89

500/1000 123.03 150.36 120.29

1000/1000 154.09 188.31 150.65

Single Single/Multi Single Car Per Car Multi-Car


$35,000 $ 30.05 $ 36.73 $ 29.38

50,000 39.24 47.96 38.37

75,000 51.85 63.37 50.70

100,000 61.77 75.49 60.39

200,000 87.81 107.32 85.86

300,000 102.40 125.15 100.12

500,000 122.63 149.86 119.89

1,000,000 154.09 188.31 150.65

(A) Column (1) shows the average loss costs by UIM limit which result from

Table D3-1.

(B) Column (1) x the UIM offset calculated in Table D4A x 1.10 (to reflect additional

coverage afforded under Generette v. Donegal Mutual Insurance Company, 957 A.2d 1180

(2008)).

(C) Column (2) x the UIM Multi-Car discount shown in Table D4A.



PENNSYLVANIA


TABLE D4C-2




(1) (2) (3)



15/30 $ 9.26 $ 11.94 $ 9.55

20/40 11.79 15.20 12.16

25/50 14.27 18.39 14.71

35/35 17.95 23.14 18.51

50/100 24.15 31.13 24.90

100/200 37.93 48.90 39.12

100/300 38.05 49.05 39.24

250/500 57.87 74.60 59.68

300/300 61.18 78.87 63.10

500/500 73.26 94.45 75.56

500/1000 73.50 94.75 75.80

1000/1000 92.06 118.68 94.94



$35,000 $ 17.95 $ 23.14 $ 18.51

50,000 23.44 30.22 24.18

75,000 30.98 39.94 31.95

100,000 36.91 47.59 38.07

200,000 52.46 67.63 54.10

300,000 61.18 78.87 63.10

500,000 73.26 94.45 75.56

1,000,000 92.06 118.68 94.94


Table D3-2.



(2008)).




PENNSYLVANIA


TABLE D4C-3


REMAINDER OF STATE


(1) (2) (3)



15/30 $ 4.56 $ 5.90 $ 4.72

20/40 5.79 7.49 5.99

25/50 7.01 9.06 7.25

35/35 8.82 11.41 9.13

50/100 11.87 15.36 12.29

100/200 18.65 24.12 19.30

100/300 18.71 24.20 19.36

250/500 28.45 36.81 29.45

300/300 30.08 38.91 31.13

500/500 36.02 46.60 37.28

500/1000 36.14 46.75 37.40

1000/1000 45.26 58.55 46.84



$35,000 $ 8.82 $ 11.41 $ 9.13

50,000 11.52 14.91 11.93

75,000 15.23 19.70 15.76

100,000 18.15 23.47 18.78

200,000 25.79 33.36 26.69

300,000 30.08 38.91 31.13

500,000 36.02 46.60 37.28

1,000,000 45.26 58.55 46.84


Table D3-3.



(2008)).




PENNSYLVANIA


TABLE D5A-1

FULL TORT - STACKED


PRESENT AND FILED FULL TORT SEMI-ANNUAL LOSS COSTS


(1) (2) (3) (4) (5) (6) (7)

Present Loss Costs Filed Loss Costs Average Loss

Single Per Car Single Per Car Costs Per Car Percent

Basic Limits Car Multi-Car Car Multi-Car Present Filed Change

15/30 $ 24.36 $ 30.34 $ 22.59 $ 29.03 $ 27.35 $ 25.81 - 5.6%

$35,000 S/L $ 36.79 $ 42.59 $ 34.11 $ 40.60 $ 39.69 $ 37.36 - 5.9%

Higher Limits Increments

(8) (9) (10) (11) (12) (13) (14)



Split Limits Car Multi-Car Car Multi-Car Present Filed Change

20/40 $ 4.64 $ 4.43 $ 4.30 $ 4.17 $ 4.54 $ 4.24 - 5.8%

25/50 8.53 8.11 7.90 7.65 8.32 7.78 - 5.8%

35/35 12.43 12.25 11.52 11.57 12.34 11.55 - 5.9%

50/100 22.18 20.07 20.56 18.75 21.13 19.66 - 6.2%

100/200 37.77 30.57 35.02 28.22 34.17 31.62 - 6.6%

100/300 38.01 30.76 35.24 28.39 34.39 31.82 - 6.7%

250/500 56.53 40.90 52.41 37.71 48.72 45.06 - 6.8%

300/300 58.48 42.66 54.22 39.36 50.57 46.79 - 6.8%

500/500 66.03 48.78 61.22 45.04 57.41 53.13 - 6.9%

500/1000 66.52 48.96 61.68 45.21 57.74 53.45 - 6.9%

1000/1000 76.76 55.65 71.17 51.17 66.21 61.17 - 7.0%

(15) (16) (17) (18) (19) (20) (21)



Single Limits Car Multi-Car Car Multi-Car Present Filed Change

$50,000 $ 7.31 $ 6.42 $ 6.78 $ 5.92 $ 6.87 $ 6.35 - 6.1%

75,000 16.57 13.25 15.37 12.11 14.91 13.74 - 6.4%

100,000 23.39 17.48 21.69 15.89 20.44 18.79 - 6.6%

200,000 38.98 25.79 36.14 23.46 32.39 29.80 - 6.8%

300,000 46.05 30.41 42.70 27.79 38.23 35.25 - 6.8%

500,000 53.60 36.53 49.70 33.47 45.07 41.59 - 6.9%

1,000,000 64.33 43.40 59.65 39.60 53.87 49.63 - 7.0%



PENNSYLVANIA


TABLE D5A-2

FULL TORT - STACKED




(1) (2) (3) (4) (5) (6) (7)




15/30 $ 5.82 $ 7.25 $ 5.55 $ 7.13 $ 6.87 $ 6.71 - 2.3%

$35,000 S/L $ 8.79 $ 10.18 $ 8.37 $ 9.96 $ 9.81 $ 9.54 - 2.8%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 1.11 $ 1.06 $ 1.05 $ 1.02 $ 1.07 $ 1.03 - 2.5%

25/50 2.04 1.93 1.93 1.87 1.96 1.89 - 2.6%

35/35 2.97 2.93 2.82 2.83 2.94 2.83 - 2.8%

50/100 5.30 4.79 5.04 4.60 4.93 4.72 - 3.1%

100/200 9.02 7.31 8.60 6.92 7.76 7.37 - 3.8%

100/300 9.08 7.36 8.65 6.96 7.82 7.41 - 3.9%

250/500 13.51 9.78 12.86 9.26 10.77 10.21 - 4.1%

300/300 13.97 10.20 13.30 9.65 11.20 10.62 - 4.1%

500/500 15.78 11.66 15.02 11.05 12.75 12.10 - 4.1%

500/1000 15.90 11.70 15.13 11.09 12.81 12.16 - 4.1%

1000/1000 18.34 13.30 17.46 12.56 14.64 13.86 - 4.4%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 1.75 $ 1.53 $ 1.66 $ 1.46 $ 1.59 $ 1.51 - 3.1%

75,000 3.96 3.16 3.78 2.98 3.37 3.19 - 3.4%

100,000 5.59 4.17 5.32 3.91 4.55 4.28 - 3.8%

200,000 9.31 6.16 8.88 5.77 6.99 6.59 - 4.0%

300,000 11.00 7.27 10.48 6.82 8.26 7.79 - 4.1%

500,000 12.81 8.73 12.20 8.22 9.81 9.27 - 4.1%

1,000,000 15.37 10.37 14.64 9.73 11.70 11.03 - 4.4%



PENNSYLVANIA


TABLE D5A-3

FULL TORT - STACKED

REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 2.20 $ 2.75 $ 2.03 $ 2.61 $ 2.61 $ 2.47 - 5.4%

$35,000 S/L $ 3.33 $ 3.85 $ 3.06 $ 3.65 $ 3.72 $ 3.50 - 5.9%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 0.42 $ 0.40 $ 0.39 $ 0.37 $ 0.41 $ 0.38 - 5.6%

25/50 0.77 0.73 0.71 0.68 0.74 0.69 - 5.7%

35/35 1.13 1.10 1.03 1.04 1.11 1.04 - 5.6%

50/100 2.01 1.81 1.84 1.68 1.86 1.72 - 6.3%

100/200 3.42 2.76 3.15 2.53 2.93 2.69 - 6.9%

100/300 3.44 2.78 3.17 2.55 2.95 2.71 - 6.8%

250/500 5.12 3.69 4.70 3.39 4.05 3.72 - 7.1%

300/300 5.29 3.85 4.87 3.53 4.21 3.87 - 7.0%

500/500 5.98 4.40 5.50 4.05 4.80 4.41 - 7.2%

500/1000 6.02 4.42 5.54 4.06 4.82 4.43 - 7.1%

1000/1000 6.94 5.03 6.40 4.60 5.51 5.05 - 7.4%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 0.66 $ 0.58 $ 0.61 $ 0.53 $ 0.60 $ 0.55 - 6.3%

75,000 1.50 1.20 1.39 1.08 1.28 1.16 - 6.8%

100,000 2.11 1.58 1.95 1.43 1.71 1.56 - 6.8%

200,000 3.53 2.34 3.25 2.11 2.64 2.40 - 7.2%

300,000 4.16 2.75 3.84 2.49 3.10 2.83 - 7.2%

500,000 4.85 3.30 4.47 3.01 3.69 3.38 - 7.2%

1,000,000 5.81 3.93 5.37 3.56 4.40 4.01 - 7.5%



PENNSYLVANIA


TABLE D5B-1





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 23.77 $ 19.02 $ 22.04 $ 17.63 $ 21.40 $ 19.84 - 7.3%

$35,000 S/L $ 35.89 $ 28.71 $ 33.28 $ 26.62 $ 32.30 $ 29.95 - 7.3%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 4.52 $ 3.61 $ 4.19 $ 3.35 $ 4.07 $ 3.77 - 7.3%

25/50 8.32 6.65 7.71 6.17 7.49 6.94 - 7.3%

35/35 12.12 9.69 11.24 8.99 10.91 10.12 - 7.3%

50/100 21.63 17.30 20.06 16.05 19.47 18.06 - 7.3%

100/200 36.84 29.47 34.16 27.33 33.16 30.75 - 7.3%

100/300 37.08 29.66 34.38 27.51 33.37 30.95 - 7.3%

250/500 55.15 44.12 51.13 40.91 49.64 46.02 - 7.3%

300/300 57.05 45.64 52.90 42.32 51.35 47.61 - 7.3%

500/500 64.42 51.53 59.73 47.79 57.98 53.76 - 7.3%

500/1000 64.89 51.91 60.17 48.14 58.40 54.16 - 7.3%

1000/1000 74.88 59.90 69.43 55.55 67.39 62.49 - 7.3%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 7.13 $ 5.71 $ 6.61 $ 5.29 $ 6.42 $ 5.95 - 7.3%

75,000 16.17 12.94 14.99 12.00 14.56 13.50 - 7.3%

100,000 22.82 18.26 21.16 16.93 20.54 19.05 - 7.3%

200,000 38.03 30.43 35.26 28.21 34.23 31.74 - 7.3%

300,000 44.93 35.95 41.66 33.33 40.44 37.50 - 7.3%

500,000 52.30 41.84 48.49 38.80 47.07 43.65 - 7.3%

1,000,000 62.76 50.21 58.19 46.56 56.49 52.38 - 7.3%



PENNSYLVANIA


TABLE D5B-2





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 5.68 $ 4.54 $ 5.41 $ 4.33 $ 4.84 $ 4.62 - 4.5%

$35,000 S/L $ 8.58 $ 6.86 $ 8.17 $ 6.54 $ 7.32 $ 6.97 - 4.8%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 1.08 $ 0.87 $ 1.03 $ 0.82 $ 0.93 $ 0.88 - 4.7%

25/50 1.99 1.60 1.89 1.51 1.70 1.61 - 4.7%

35/35 2.90 2.32 2.76 2.21 2.47 2.36 - 4.5%

50/100 5.17 4.14 4.92 3.93 4.41 4.19 - 4.8%

100/200 8.80 7.04 8.39 6.71 7.51 7.16 - 4.6%

100/300 8.86 7.09 8.44 6.75 7.56 7.20 - 4.7%

250/500 13.18 10.55 12.55 10.04 11.25 10.71 - 4.7%

300/300 13.63 10.91 12.98 10.38 11.63 11.07 - 4.7%

500/500 15.39 12.32 14.66 11.73 13.13 12.51 - 4.7%

500/1000 15.51 12.41 14.77 11.81 13.23 12.59 - 4.8%

1000/1000 17.89 14.32 17.04 13.63 15.27 14.53 - 4.8%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 1.70 $ 1.36 $ 1.62 $ 1.29 $ 1.45 $ 1.38 - 4.8%

75,000 3.86 3.09 3.68 2.94 3.29 3.14 - 4.7%

100,000 5.45 4.36 5.19 4.15 4.65 4.43 - 4.8%

200,000 9.08 7.27 8.66 6.92 7.75 7.38 - 4.8%

300,000 10.73 8.59 10.22 8.17 9.16 8.71 - 4.9%

500,000 12.49 10.00 11.90 9.52 10.66 10.15 - 4.8%

1,000,000 14.99 12.00 14.28 11.42 12.79 12.18 - 4.8%



PENNSYLVANIA


TABLE D5B-3


REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 2.15 $ 1.72 $ 1.98 $ 1.58 $ 1.83 $ 1.68 - 8.2%

$35,000 S/L $ 3.25 $ 2.60 $ 2.99 $ 2.39 $ 2.76 $ 2.54 - 8.0%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 0.41 $ 0.33 $ 0.38 $ 0.31 $ 0.35 $ 0.33 - 7.8%

25/50 0.75 0.60 0.69 0.56 0.64 0.59 - 8.1%

35/35 1.10 0.88 1.01 0.81 0.94 0.86 - 8.3%

50/100 1.96 1.57 1.80 1.44 1.67 1.53 - 8.3%

100/200 3.33 2.66 3.07 2.46 2.83 2.61 - 7.9%

100/300 3.35 2.68 3.09 2.48 2.85 2.63 - 7.9%

250/500 4.99 3.99 4.59 3.68 4.24 3.91 - 7.9%

300/300 5.16 4.13 4.75 3.80 4.39 4.04 - 8.0%

500/500 5.83 4.66 5.37 4.30 4.95 4.57 - 7.8%

500/1000 5.87 4.70 5.41 4.33 4.99 4.60 - 7.9%

1000/1000 6.77 5.42 6.24 5.00 5.76 5.31 - 7.9%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 0.64 $ 0.51 $ 0.59 $ 0.47 $ 0.54 $ 0.50 - 7.9%

75,000 1.46 1.17 1.35 1.08 1.24 1.15 - 7.8%

100,000 2.06 1.65 1.90 1.52 1.75 1.62 - 7.8%

200,000 3.44 2.75 3.17 2.54 2.92 2.70 - 7.7%

300,000 4.06 3.25 3.74 2.99 3.45 3.18 - 7.9%

500,000 4.73 3.78 4.36 3.49 4.02 3.71 - 7.8%

1,000,000 5.67 4.54 5.23 4.19 4.82 4.45 - 7.8%



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D5A AND D5B

COLUMN (1) Present Full Tort loss costs shown for single car are contained in Pennsylvania


COLUMN (2) Present Full Tort loss costs shown for per car multi-car are contained in


COLUMN (3) The filed Full Tort single car loss cost for the 15/30 basic limit and $35,000 basic

limit are from Table D2A, Column (11) for Stacked Coverage, Table D2B, Line (3)

for the 15/30 basic limit Non-Stacked Coverage, and Table D2C, Column (2) for

the $35,000 basic limit Non-Stacked Coverage.

COLUMN (4) The filed Full Tort per car multi-car loss cost for the 15/30 basic limit and $35,000

basic limit are from Table D2A, Column (17) for Stacked Coverage, Table D2B,

Column (7) for the 15/30 basic limit Non-Stacked Coverage, and Table D2C,

Column (4) for the $35,000 basic limit Non-Stacked Coverage.

COLUMN (5) These are the present average per car loss costs, calculated by weighting the present

single and per car multi-car loss costs from Columns (1) and (2) on the present

exposure distribution found in Table D4A, Column (1).

COLUMN (6) These are the filed average per car loss costs, calculated by weighting the filed



COLUMN (7) The percent change is the filed average loss cost per car in Column (6), divided by

the present average loss cost per car in Column (5).

COLUMN (8) The present Full Tort single car loss costs shown are the higher split limit

increments contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

COLUMN (9) The present Full Tort per car multi-car loss costs shown are the higher split limit


COLUMN (10) The filed Full Tort single car loss cost increments shown are from Table D2A,

Column (18) for Stacked Coverage and Table D2B, Column (6) for Non-Stacked

Coverage.

COLUMN (11) The filed Full Tort per car multi-car loss cost increments shown are from

Table D2A, Column (19) for Stacked Coverage and Table D2B, Column (8) for

Non-Stacked Coverage.

COLUMN (12) These are the present average per car higher limit loss cost increments, calculated

by weighting the present single and per car multi car loss cost increments from

Columns (8) and (9) on the present exposure distribution found in Table D4A,

Column (1).



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D5A AND D5B (Cont'd)

COLUMN (13) These are the filed average per car loss cost increments, calculated by weighting the

filed single and per car multi-car loss cost increments from Columns (10) and (11)

on the exposure distribution found in Table D4A, Column (1).

COLUMN (14) The percent change is the filed Total Limits Loss Cost change (Basic Limits plus

the UM BI Higher Limits increments). The average filed per car loss cost for the

15/30 basic limit from Column (6) is added to the applicable higher limit loss cost

increment in Column (13), and divided by the corresponding present loss cost

derived similarly from Columns (5) and (12).

Table D5A-1:

50/100: Present Loss Cost = $27.35 + $21.13 = $48.48

Filed Loss Cost = $25.81 + $19.66 = $45.47

Percent Change = $45.47 / $48.48 = -6.2%

COLUMN (15) The present Full Tort single car loss costs shown are the higher single limit


COLUMN (16) The present Full Tort per car multi-car loss costs shown are the higher single limit


COLUMN (17) The filed Full Tort single car loss cost increments shown are from Table D2A,

Column (18) for Stacked Coverage and Table D2C, Column (3) for Non-Stacked

Coverage.

COLUMN (18) The filed Full Tort per car multi-car car loss cost increments shown are from Table

D2A, Column (19) for Stacked Coverage and Table D2C, Column (5) for Non-

Stacked Coverage.

COLUMN (19) These are the present average per car loss cost increments, calculated by weighting

the present single and per car multi-car loss cost from Columns (15) and (16) on the

present exposure distribution found in Table D4A, Column (1).


filed single and per car multi-car loss costs from Columns (17) and (18) on the



Higher Limits increments). The average filed per car loss cost for the $35,000 limit

from Column (6) is added to the applicable higher limit loss cost increment in

Column (20), and divided by the corresponding present loss cost derived similarly

from Columns (5) and (19).

Table D5A-1:

$100,000: Present Loss Cost = $39.69 + $20.44 = $60.13

Filed Loss Cost = $37.36 + $18.79 = $56.15

Percent Change = $56.15 / $60.13 = -6.6%



PENNSYLVANIA


TABLE D5C-1

FULL TORT - STACKED



UNDERINSURED MOTORISTS BODILY INJURY

(1) (2) (3) (4) (5) (6) (7)




15/30 $ 22.51 $ 30.46 $ 20.84 $ 29.70 $ 26.49 $ 25.27 - 4.6%

20/40 28.62 37.77 26.52 36.79 33.20 31.66 - 4.6%

25/50 34.62 43.97 32.10 42.74 39.30 37.42 - 4.8%

35/35 43.46 53.26 40.40 51.64 48.36 46.02 - 4.8%

50/100 58.41 66.68 54.33 64.30 62.55 59.32 - 5.2%

100/200 91.56 90.57 85.34 86.87 91.07 86.11 - 5.4%

100/300 91.85 90.61 85.61 86.89 91.23 86.25 - 5.5%

250/500 139.15 123.70 130.21 118.97 131.43 124.59 - 5.2%

300/300 146.89 130.70 137.66 125.84 138.80 131.75 - 5.1%

500/500 175.35 152.88 164.85 147.10 164.12 155.98 - 5.0%

500/1000 175.95 153.40 165.39 147.49 164.68 156.44 - 5.0%

1000/1000 219.51 178.59 207.14 170.81 199.05 188.98 - 5.1%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 43.46 $ 53.26 $ 40.40 $ 51.64 $ 48.36 $ 46.02 - 4.8%

50,000 56.66 65.17 52.76 62.96 60.92 57.86 - 5.0%

75,000 74.84 79.37 69.71 76.29 77.11 73.00 - 5.3%

100,000 89.06 89.46 83.04 85.83 89.26 84.44 - 5.4%

200,000 126.22 114.23 118.05 109.74 120.23 113.90 - 5.3%

300,000 146.89 130.70 137.66 125.84 138.80 131.75 - 5.1%

500,000 175.35 152.88 164.85 147.10 164.12 155.98 - 5.0%

1,000,000 219.51 178.59 207.14 170.81 199.05 188.98 - 5.1%



PENNSYLVANIA


TABLE D5C-2

FULL TORT - STACKED




(1) (2) (3) (4) (5) (6) (7)




15/30 $ 13.59 $ 18.39 $ 13.13 $ 18.72 $ 17.12 $ 17.24 + 0.7%

20/40 17.29 22.80 16.72 23.19 21.34 21.48 + 0.7%

25/50 20.91 26.55 20.23 26.94 25.06 25.16 + 0.4%

35/35 26.24 32.15 25.46 32.55 30.58 30.67 + 0.3%

50/100 35.27 40.25 34.24 40.53 38.93 38.86 - 0.2%

100/200 55.26 54.67 53.78 54.74 54.83 54.49 - 0.6%

100/300 55.44 54.68 53.95 54.75 54.88 54.54 - 0.6%

250/500 84.00 74.67 82.06 74.98 77.14 76.86 - 0.4%

300/300 88.67 78.90 86.76 79.32 81.49 81.29 - 0.2%

500/500 105.86 92.29 103.89 92.70 95.89 95.67 - 0.2%

500/1000 106.20 92.59 104.23 92.96 96.20 95.95 - 0.3%

1000/1000 132.51 107.80 130.55 107.66 114.35 113.73 - 0.5%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 26.24 $ 32.15 $ 25.46 $ 32.55 $ 30.58 $ 30.67 + 0.3%

50,000 34.21 39.34 33.24 39.68 37.98 37.97 0.0%

75,000 45.17 47.91 43.94 48.09 47.18 46.99 - 0.4%

100,000 53.76 54.00 52.34 54.09 53.94 53.63 - 0.6%

200,000 76.18 68.96 74.39 69.17 70.87 70.55 - 0.5%

300,000 88.67 78.90 86.76 79.32 81.49 81.29 - 0.2%

500,000 105.86 92.29 103.89 92.70 95.89 95.67 - 0.2%

1,000,000 132.51 107.80 130.55 107.66 114.35 113.73 - 0.5%



PENNSYLVANIA


TABLE D5C-3

FULL TORT - STACKED

REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 6.96 $ 9.41 $ 6.49 $ 9.23 $ 8.80 $ 8.55 - 2.8%

20/40 8.83 11.66 8.24 11.44 10.95 10.64 - 2.8%

25/50 10.68 13.58 9.97 13.29 12.86 12.46 - 3.1%

35/35 13.41 16.44 12.55 16.06 15.68 15.18 - 3.2%

50/100 18.04 20.59 16.89 19.99 19.95 19.22 - 3.7%

100/200 28.28 27.96 26.54 27.01 28.04 26.89 - 4.1%

100/300 28.36 27.97 26.62 27.02 28.07 26.92 - 4.1%

250/500 42.94 38.19 40.49 36.99 39.38 37.87 - 3.8%

300/300 45.35 40.34 42.80 39.12 41.59 40.04 - 3.7%

500/500 54.14 47.19 51.26 45.73 48.93 47.11 - 3.7%

500/1000 54.32 47.35 51.43 45.86 49.09 47.25 - 3.7%

1000/1000 67.76 55.13 64.41 53.10 58.29 55.93 - 4.0%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 13.41 $ 16.44 $ 12.55 $ 16.06 $ 15.68 $ 15.18 - 3.2%

50,000 17.50 20.11 16.40 19.57 19.46 18.78 - 3.5%

75,000 23.10 24.50 21.67 23.72 24.15 23.21 - 3.9%

100,000 27.48 27.62 25.82 26.68 27.59 26.47 - 4.1%

200,000 38.96 35.26 36.70 34.12 36.19 34.77 - 3.9%

300,000 45.35 40.34 42.80 39.12 41.59 40.04 - 3.7%

500,000 54.14 47.19 51.26 45.73 48.93 47.11 - 3.7%

1,000,000 67.76 55.13 64.41 53.10 58.29 55.93 - 4.0%



PENNSYLVANIA


TABLE D5D-1





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 20.46 $ 16.37 $ 18.94 $ 15.15 $ 18.42 $ 17.05 - 7.4%

20/40 26.02 20.82 24.11 19.29 23.42 21.70 - 7.3%

25/50 31.47 25.18 29.18 23.34 28.33 26.26 - 7.3%

35/35 39.51 31.61 36.73 29.38 35.56 33.06 - 7.0%

50/100 53.10 42.48 49.39 39.51 47.79 44.45 - 7.0%

100/200 83.24 66.59 77.58 62.06 74.92 69.82 - 6.8%

100/300 83.50 66.80 77.83 62.26 75.15 70.05 - 6.8%

250/500 126.50 101.20 118.37 94.70 113.85 106.54 - 6.4%

300/300 133.54 106.83 125.15 100.12 120.19 112.64 - 6.3%

500/500 159.41 127.53 149.86 119.89 143.47 134.88 - 6.0%

500/1000 159.95 127.96 150.36 120.29 143.96 135.33 - 6.0%

1000/1000 199.55 159.64 188.31 150.65 179.60 169.48 - 5.6%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 39.51 $ 31.61 $ 36.73 $ 29.38 $ 35.56 $ 33.06 - 7.0%

50,000 51.51 41.21 47.96 38.37 46.36 43.17 - 6.9%

75,000 68.04 54.43 63.37 50.70 61.24 57.04 - 6.9%

100,000 80.96 64.77 75.49 60.39 72.87 67.94 - 6.8%

200,000 114.74 91.79 107.32 85.86 103.27 96.59 - 6.5%

300,000 133.54 106.83 125.15 100.12 120.19 112.64 - 6.3%

500,000 159.41 127.53 149.86 119.89 143.47 134.88 - 6.0%

1,000,000 199.55 159.64 188.31 150.65 179.60 169.48 - 5.6%



PENNSYLVANIA


TABLE D5D-2





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 12.35 $ 9.88 $ 11.94 $ 9.55 $ 10.53 $ 10.18 - 3.3%

20/40 15.72 12.58 15.20 12.16 13.41 12.97 - 3.3%

25/50 19.01 15.21 18.39 14.71 16.22 15.69 - 3.3%

35/35 23.86 19.09 23.14 18.51 20.35 19.74 - 3.0%

50/100 32.07 25.66 31.13 24.90 27.36 26.55 - 3.0%

100/200 50.24 40.19 48.90 39.12 42.85 41.71 - 2.7%

100/300 50.40 40.32 49.05 39.24 42.99 41.84 - 2.7%

250/500 76.36 61.09 74.60 59.68 65.14 63.63 - 2.3%

300/300 80.61 64.49 78.87 63.10 68.76 67.28 - 2.2%

500/500 96.24 76.99 94.45 75.56 82.09 80.57 - 1.9%

500/1000 96.55 77.24 94.75 75.80 82.36 80.82 - 1.9%

1000/1000 120.46 96.37 118.68 94.94 102.75 101.23 - 1.5%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 23.86 $ 19.09 $ 23.14 $ 18.51 $ 20.35 $ 19.74 - 3.0%

50,000 31.10 24.88 30.22 24.18 26.53 25.78 - 2.8%

75,000 41.06 32.85 39.94 31.95 35.03 34.07 - 2.7%

100,000 48.87 39.10 47.59 38.07 41.69 40.59 - 2.6%

200,000 69.26 55.41 67.63 54.10 59.08 57.69 - 2.4%

300,000 80.61 64.49 78.87 63.10 68.76 67.28 - 2.2%

500,000 96.24 76.99 94.45 75.56 82.09 80.57 - 1.9%

1,000,000 120.46 96.37 118.68 94.94 102.75 101.23 - 1.5%



PENNSYLVANIA


TABLE D5D-3


REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 6.33 $ 5.06 $ 5.90 $ 4.72 $ 5.38 $ 5.02 - 6.7%

20/40 8.03 6.42 7.49 5.99 6.82 6.37 - 6.6%

25/50 9.71 7.77 9.06 7.25 8.26 7.70 - 6.8%

35/35 12.19 9.75 11.41 9.13 10.36 9.70 - 6.4%

50/100 16.40 13.12 15.36 12.29 13.94 13.06 - 6.3%

100/200 25.71 20.57 24.12 19.30 21.86 20.51 - 6.2%

100/300 25.78 20.62 24.20 19.36 21.91 20.57 - 6.1%

250/500 39.04 31.23 36.81 29.45 33.18 31.29 - 5.7%

300/300 41.23 32.98 38.91 31.13 35.04 33.08 - 5.6%

500/500 49.21 39.37 46.60 37.28 41.83 39.61 - 5.3%

500/1000 49.38 39.50 46.75 37.40 41.97 39.74 - 5.3%

1000/1000 61.60 49.28 58.55 46.84 52.36 49.77 - 4.9%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 12.19 $ 9.75 $ 11.41 $ 9.13 $ 10.36 $ 9.70 - 6.4%

50,000 15.91 12.73 14.91 11.93 13.53 12.68 - 6.3%

75,000 21.00 16.80 19.70 15.76 17.85 16.75 - 6.2%

100,000 24.98 19.98 23.47 18.78 21.23 19.95 - 6.0%

200,000 35.42 28.34 33.36 26.69 30.11 28.36 - 5.8%

300,000 41.23 32.98 38.91 31.13 35.04 33.08 - 5.6%

500,000 49.21 39.37 46.60 37.28 41.83 39.61 - 5.3%

1,000,000 61.60 49.28 58.55 46.84 52.36 49.77 - 4.9%



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D5C AND D5D

COLUMN (1) The present Full Tort single car loss costs for the split limits are contained in


COLUMN (2) The present Full Tort per car multi-car loss costs for the split limits are contained in


COLUMN (3) The filed Full Tort single car loss costs for the split limits are from Table D4B,


Coverage.

COLUMN (4) The filed Full Tort per car multi-car loss costs for the split limits are from Table D4B,


Coverage.


single and multi-car loss costs from Columns (1) and (2) on the present exposure

distribution found in Table D4A, Column (1).

COLUMN (6) These are the filed average per car loss costs, calculated by weighting the filed single

and per car multi-car loss costs from Columns (3) and (4) on the present exposure


COLUMN (7) The percent change is the filed average loss cost per car in Column (6), divided by the

present average loss cost per car in Column (5).

COLUMN (8) The present Full Tort single car loss costs for the single limits are contained in


COLUMN (9) The present Full Tort per car multi-car loss costs for the single limits are contained in


COLUMN (10) The filed Full Tort single car loss costs for the single limits are from Table D4B,


Coverage.

COLUMN (11) The filed Full Tort per car multi-car loss costs for the split limits are from Table D4B,


Coverage.

COLUMN (12) These are the present average per car single limit loss costs, calculated by weighting

the present single and multi-car loss costs from Columns (8) and (9) on the present


COLUMN (13) These are the filed average per car single limit loss costs, calculated by weighting the







PENNSYLVANIA


TABLE D6A-1

LIMITED TORT - STACKED


PRESENT AND FILED LIMITED TORT SEMI-ANNUAL LOSS COSTS


(1) (2) (3) (4) (5) (6) (7)




15/30 $ 14.48 $ 18.04 $ 13.43 $ 17.26 $ 16.26 $ 15.35 - 5.6%

$35,000 S/L $ 21.88 $ 25.32 $ 20.28 $ 24.14 $ 23.60 $ 22.21 - 5.9%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 2.76 $ 2.63 $ 2.56 $ 2.48 $ 2.70 $ 2.52 - 5.7%

25/50 5.07 4.82 4.70 4.55 4.95 4.63 - 5.8%

35/35 7.39 7.28 6.85 6.88 7.34 6.87 - 5.8%

50/100 13.19 11.93 12.22 11.15 12.56 11.69 - 6.2%

100/200 22.46 18.18 20.82 16.78 20.32 18.80 - 6.6%

100/300 22.60 18.29 20.95 16.88 20.45 18.92 - 6.6%

250/500 33.61 24.32 31.16 22.42 28.97 26.79 - 6.8%

300/300 34.77 25.37 32.24 23.40 30.07 27.82 - 6.8%

500/500 39.26 29.00 36.40 26.78 34.13 31.59 - 6.8%

500/1000 39.55 29.11 36.67 26.88 34.33 31.78 - 6.8%

1000/1000 45.64 33.09 42.32 30.43 39.37 36.38 - 7.0%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 4.35 $ 3.82 $ 4.03 $ 3.52 $ 4.09 $ 3.78 - 6.1%

75,000 9.85 7.88 9.14 7.20 8.87 8.17 - 6.4%

100,000 13.91 10.39 12.90 9.45 12.15 11.18 - 6.6%

200,000 23.18 15.33 21.49 13.95 19.26 17.72 - 6.8%

300,000 27.38 18.08 25.39 16.52 22.73 20.96 - 6.8%

500,000 31.87 21.72 29.55 19.90 26.80 24.73 - 6.9%

1,000,000 38.25 25.81 35.47 23.55 32.03 29.51 - 7.0%



PENNSYLVANIA


TABLE D6A-2





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 3.46 $ 4.31 $ 3.30 $ 4.24 $ 4.08 $ 3.99 - 2.2%

$35,000 S/L $ 5.23 $ 6.05 $ 4.98 $ 5.92 $ 5.83 $ 5.67 - 2.7%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 0.66 $ 0.63 $ 0.62 $ 0.61 $ 0.64 $ 0.61 - 2.5%

25/50 1.21 1.15 1.15 1.11 1.17 1.12 - 2.7%

35/35 1.77 1.74 1.68 1.68 1.75 1.68 - 2.7%

50/100 3.15 2.85 3.00 2.74 2.93 2.81 - 3.0%

100/200 5.36 4.35 5.11 4.11 4.62 4.38 - 3.8%

100/300 5.40 4.38 5.14 4.14 4.65 4.41 - 3.8%

250/500 8.03 5.82 7.65 5.51 6.41 6.08 - 4.0%

300/300 8.31 6.06 7.91 5.74 6.66 6.32 - 4.0%

500/500 9.38 6.93 8.93 6.57 7.58 7.20 - 4.0%

500/1000 9.45 6.96 9.00 6.59 7.62 7.23 - 4.1%

1000/1000 10.90 7.91 10.38 7.47 8.70 8.24 - 4.3%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 1.04 $ 0.91 $ 0.99 $ 0.87 $ 0.94 $ 0.90 - 3.0%

75,000 2.35 1.88 2.25 1.77 2.00 1.90 - 3.3%

100,000 3.32 2.48 3.16 2.32 2.70 2.54 - 3.8%

200,000 5.54 3.66 5.28 3.43 4.16 3.92 - 4.0%

300,000 6.54 4.32 6.23 4.06 4.91 4.64 - 4.0%

500,000 7.62 5.19 7.25 4.89 5.83 5.52 - 4.0%

1,000,000 9.14 6.17 8.70 5.79 6.96 6.56 - 4.4%



PENNSYLVANIA


TABLE D6A-3


REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 1.31 $ 1.64 $ 1.21 $ 1.55 $ 1.56 $ 1.47 - 5.8%

$35,000 S/L $ 1.98 $ 2.29 $ 1.82 $ 2.17 $ 2.21 $ 2.08 - 5.9%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 0.25 $ 0.24 $ 0.23 $ 0.22 $ 0.24 $ 0.22 - 6.1%

25/50 0.46 0.43 0.42 0.40 0.44 0.41 - 6.0%

35/35 0.67 0.65 0.61 0.62 0.66 0.62 - 5.9%

50/100 1.20 1.08 1.09 1.00 1.11 1.02 - 6.7%

100/200 2.03 1.64 1.87 1.50 1.74 1.59 - 7.3%

100/300 2.05 1.65 1.88 1.52 1.75 1.61 - 6.9%

250/500 3.04 2.19 2.79 2.02 2.40 2.21 - 7.1%

300/300 3.15 2.29 2.90 2.10 2.51 2.30 - 7.4%

500/500 3.56 2.62 3.27 2.41 2.86 2.63 - 7.2%

500/1000 3.58 2.63 3.29 2.41 2.87 2.63 - 7.4%

1000/1000 4.13 2.99 3.81 2.74 3.28 3.01 - 7.4%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 0.39 $ 0.34 $ 0.36 $ 0.32 $ 0.35 $ 0.33 - 5.9%

75,000 0.89 0.71 0.83 0.64 0.76 0.69 - 6.7%

100,000 1.25 0.94 1.16 0.85 1.02 0.93 - 6.8%

200,000 2.10 1.39 1.93 1.25 1.57 1.42 - 7.4%

300,000 2.47 1.64 2.28 1.48 1.85 1.68 - 7.4%

500,000 2.88 1.96 2.66 1.79 2.19 2.01 - 7.0%

1,000,000 3.45 2.34 3.19 2.12 2.62 2.39 - 7.5%



PENNSYLVANIA


TABLE D6B-1

LIMITED TORT - NON-STACKED




(1) (2) (3) (4) (5) (6) (7)




15/30 $ 14.13 $ 11.31 $ 13.10 $ 10.48 $ 12.72 $ 11.79 - 7.3%

$35,000 S/L $ 21.34 $ 17.07 $ 19.79 $ 15.83 $ 19.21 $ 17.81 - 7.3%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 2.69 $ 2.15 $ 2.49 $ 1.99 $ 2.42 $ 2.24 - 7.3%

25/50 4.95 3.95 4.58 3.67 4.45 4.13 - 7.3%

35/35 7.21 5.76 6.68 5.35 6.49 6.02 - 7.3%

50/100 12.86 10.29 11.93 9.54 11.58 10.74 - 7.3%

100/200 21.91 17.52 20.31 16.25 19.72 18.28 - 7.3%

100/300 22.05 17.64 20.44 16.36 19.85 18.40 - 7.3%

250/500 32.79 26.23 30.40 24.33 29.51 27.37 - 7.3%

300/300 33.92 27.14 31.45 25.16 30.53 28.31 - 7.3%

500/500 38.30 30.64 35.52 28.42 34.47 31.97 - 7.3%

500/1000 38.58 30.87 35.78 28.62 34.73 32.20 - 7.3%

1000/1000 44.52 35.62 41.28 33.03 40.07 37.16 - 7.3%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 4.24 $ 3.40 $ 3.93 $ 3.15 $ 3.82 $ 3.54 - 7.3%

75,000 9.61 7.69 8.91 7.14 8.65 8.03 - 7.3%

100,000 13.57 10.86 12.58 10.07 12.22 11.33 - 7.3%

200,000 22.61 18.09 20.97 16.77 20.35 18.87 - 7.3%

300,000 26.72 21.38 24.77 19.82 24.05 22.30 - 7.3%

500,000 31.10 24.88 28.83 23.07 27.99 25.95 - 7.3%

1,000,000 37.32 29.85 34.60 27.68 33.59 31.14 - 7.3%



PENNSYLVANIA


TABLE D6B-2





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 3.38 $ 2.70 $ 3.22 $ 2.57 $ 2.88 $ 2.74 - 4.9%

$35,000 S/L $ 5.10 $ 4.08 $ 4.86 $ 3.89 $ 4.35 $ 4.15 - 4.6%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 0.64 $ 0.52 $ 0.61 $ 0.49 $ 0.55 $ 0.52 - 5.0%

25/50 1.18 0.95 1.12 0.90 1.01 0.96 - 4.9%

35/35 1.72 1.38 1.64 1.31 1.47 1.40 - 4.8%

50/100 3.07 2.46 2.93 2.34 2.62 2.50 - 4.7%

100/200 5.23 4.19 4.99 3.99 4.47 4.26 - 4.8%

100/300 5.27 4.22 5.02 4.01 4.50 4.28 - 4.9%

250/500 7.84 6.27 7.46 5.97 6.69 6.36 - 4.9%

300/300 8.10 6.49 7.72 6.17 6.92 6.58 - 4.9%

500/500 9.15 7.33 8.72 6.97 7.81 7.43 - 4.9%

500/1000 9.22 7.38 8.78 7.02 7.87 7.49 - 4.8%

1000/1000 10.64 8.51 10.13 8.10 9.07 8.64 - 4.8%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 1.01 $ 0.81 $ 0.96 $ 0.77 $ 0.86 $ 0.82 - 4.6%

75,000 2.30 1.84 2.19 1.75 1.96 1.87 - 4.6%

100,000 3.24 2.59 3.09 2.47 2.76 2.63 - 4.6%

200,000 5.40 4.32 5.15 4.11 4.61 4.39 - 4.7%

300,000 6.38 5.11 6.08 4.86 5.45 5.18 - 4.8%

500,000 7.43 5.95 7.08 5.66 6.34 6.04 - 4.7%

1,000,000 8.91 7.14 8.49 6.79 7.61 7.24 - 4.8%



PENNSYLVANIA


TABLE D6B-3


REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 1.28 $ 1.02 $ 1.18 $ 0.94 $ 1.09 $ 1.00 - 8.3%

$35,000 S/L $ 1.93 $ 1.55 $ 1.78 $ 1.42 $ 1.65 $ 1.51 - 8.5%


(8) (9) (10) (11) (12) (13) (14)




20/40 $ 0.24 $ 0.20 $ 0.23 $ 0.18 $ 0.21 $ 0.19 - 8.5%

25/50 0.45 0.36 0.41 0.33 0.38 0.35 - 8.2%

35/35 0.65 0.52 0.60 0.48 0.55 0.51 - 7.9%

50/100 1.17 0.93 1.07 0.86 0.99 0.91 - 8.2%

100/200 1.98 1.58 1.83 1.46 1.68 1.55 - 7.9%

100/300 1.99 1.59 1.84 1.47 1.69 1.56 - 7.9%

250/500 2.97 2.37 2.73 2.19 2.52 2.33 - 7.8%

300/300 3.07 2.46 2.82 2.26 2.61 2.40 - 8.1%

500/500 3.47 2.77 3.19 2.56 2.95 2.72 - 7.9%

500/1000 3.49 2.79 3.22 2.57 2.97 2.73 - 8.1%

1000/1000 4.03 3.22 3.71 2.97 3.42 3.16 - 7.8%

(15) (16) (17) (18) (19) (20) (21)




$50,000 $ 0.38 $ 0.30 $ 0.35 $ 0.28 $ 0.32 $ 0.30 - 8.1%

75,000 0.87 0.70 0.80 0.64 0.74 0.68 - 8.4%

100,000 1.22 0.98 1.13 0.90 1.04 0.96 - 8.2%

200,000 2.05 1.64 1.88 1.51 1.74 1.60 - 8.3%

300,000 2.41 1.93 2.22 1.78 2.05 1.89 - 8.1%

500,000 2.81 2.25 2.59 2.08 2.39 2.21 - 7.9%

1,000,000 3.37 2.70 3.11 2.49 2.87 2.65 - 8.0%



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D6A AND D6B

COLUMN (1) Present Limited Tort loss costs shown for single car are contained in Pennsylvania


COLUMN (2) Present Limited Tort loss costs shown for per car multi-car are contained in


COLUMN (3) The filed Limited Tort single car loss cost for the 15/30 basic limit and $35,000

basic limit are calculated by applying the Limited Tort differential of 0.5946 to the

Full Tort loss costs in Table D5A, Column (3) for Stacked Coverage and Table

D5B, Column (3) for Non-Stacked Coverage.

COLUMN (4) The filed Limited Tort per car multi-car loss cost for the 15/30 basic limit and

$35,000 basic limit are calculated by applying the Limited Tort differential of

0.5946 to the Full Tort loss costs in Table D5A, Column (4) for Stacked Coverage

and Table D5B, Column (4) for Non-Stacked Coverage.









COLUMN (8) The present Limited Tort single car loss costs shown are the higher split limit


COLUMN (9) The present Limited Tort per car multi-car loss costs shown are the higher split

limit increments contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

COLUMN (10) The filed Limited Tort single car loss cost increments are calculated by applying the

Limited Tort differential of 0.5946 to the Full Tort loss cost increments in



COLUMN (11) The filed Limited Tort per car multi-car loss cost increments are calculated by

applying the Limited Tort differential of 0.5946 to the Full Tort loss cost

increments in Table D5A, Column (11) for Stacked Coverage and Table D5B,

Column (11) for Non-Stacked Coverage.



PENNSYLVANIA



COLUMN (12) These are the present average per car higher limit loss cost increments, calculated

by weighting the present single and per car multi-car loss cost increments from

Columns (8) and (9) on the present exposure distribution found in Table D4A,

Column (1).


filed single and per car multi-car loss cost increments from Columns (10) and (11)

on the present exposure distribution found in Table D4A, Column (1).


the UM BI Higher Limits increments). The average filed per car loss cost for the

15/30 basic limit from Column (6) is added to the applicable higher limit loss cost

increment in Column (13), and divided by the corresponding present loss cost

derived similarly from Columns (5) and (12).

Table D6A-1:

50/100: Present Loss Cost = $16.26 + $12.56 = $28.82

Filed Loss Cost = $15.35 + $11.69 = $27.04

Percent Change = $27.04 / $28.82 = -6.2 %

COLUMN (15) The present Limited Tort single car loss costs shown are the higher single limit


COLUMN (16) The present Limited Tort per car multi-car loss costs shown are the higher single

limit increments contained in Pennsylvania Personal Auto Filing, PP-2016-BRLA1.

COLUMN (17) The filed Limited Tort single car loss cost increments are calculated by applying the

Limited Tort differential of 0.5946 to the Full Tort loss cost increments in



COLUMN (18) The filed Limited Tort per car multi-car loss cost increments are calculated by

applying the Limited Tort differential of 0.5946 to the Full Tort loss cost

increments in Table D5A, Column (18) for Stacked Coverage and Table D5B,

Column (18) for Non-Stacked Coverage.



PENNSYLVANIA



COLUMN (19) These are the present average per car loss cost increments, calculated by weighting

the present single and per car multi-car loss cost from Columns (15) and (16) on the






Higher Limits increments). The average filed per car loss cost for the $35,000 limit

from Column (6) is added to the applicable higher limit loss cost increment in

Column (20), and divided by the corresponding present loss cost derived similarly

from Columns (5) and (19).

Table D6A-1:

$100,000: Present Loss Cost = $23.60 + $12.15 = $35.75

Filed Loss Cost = $22.21 + $11.18 = $33.39

Percent Change = $33.39 / $35.75 = -6.6 %



PENNSYLVANIA


TABLE D6C-1





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 13.38 $ 18.11 $ 12.39 $ 17.66 $ 15.75 $ 15.03 - 4.6%

20/40 17.02 22.46 15.77 21.88 19.74 18.83 - 4.6%

25/50 20.59 26.14 19.09 25.41 23.37 22.25 - 4.8%

35/35 25.84 31.67 24.02 30.71 28.76 27.37 - 4.8%

50/100 34.73 39.65 32.30 38.23 37.19 35.27 - 5.2%

100/200 54.44 53.85 50.74 51.65 54.15 51.20 - 5.4%

100/300 54.61 53.88 50.90 51.66 54.25 51.28 - 5.5%

250/500 82.74 73.55 77.42 70.74 78.15 74.08 - 5.2%

300/300 87.34 77.71 81.85 74.82 82.53 78.34 - 5.1%

500/500 104.26 90.90 98.02 87.47 97.58 92.75 - 4.9%

500/1000 104.62 91.21 98.34 87.70 97.92 93.02 - 5.0%

1000/1000 130.52 106.19 123.17 101.56 118.36 112.37 - 5.1%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 25.84 $ 31.67 $ 24.02 $ 30.71 $ 28.76 $ 27.37 - 4.8%

50,000 33.69 38.75 31.37 37.44 36.22 34.41 - 5.0%

75,000 44.50 47.19 41.45 45.36 45.85 43.41 - 5.3%

100,000 52.96 53.19 49.38 51.03 53.08 50.21 - 5.4%

200,000 75.05 67.92 70.19 65.25 71.49 67.72 - 5.3%

300,000 87.34 77.71 81.85 74.82 82.53 78.34 - 5.1%

500,000 104.26 90.90 98.02 87.47 97.58 92.75 - 4.9%

1,000,000 130.52 106.19 123.17 101.56 118.36 112.37 - 5.1%



PENNSYLVANIA


TABLE D6C-2





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 8.08 $ 10.93 $ 7.81 $ 11.13 $ 10.17 $ 10.25 + 0.8%

20/40 10.28 13.56 9.94 13.79 12.69 12.77 + 0.6%

25/50 12.43 15.79 12.03 16.02 14.90 14.96 + 0.4%

35/35 15.60 19.12 15.14 19.35 18.19 18.23 + 0.2%

50/100 20.97 23.93 20.36 24.10 23.15 23.11 - 0.2%

100/200 32.86 32.51 31.98 32.55 32.60 32.40 - 0.6%

100/300 32.96 32.51 32.08 32.55 32.63 32.43 - 0.6%

250/500 49.95 44.40 48.79 44.58 45.87 45.70 - 0.4%

300/300 52.72 46.91 51.59 47.16 48.45 48.33 - 0.2%

500/500 62.94 54.88 61.77 55.12 57.02 56.88 - 0.2%

500/1000 63.15 55.05 61.98 55.27 57.20 57.05 - 0.3%

1000/1000 78.79 64.10 77.63 64.01 67.99 67.62 - 0.5%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 15.60 $ 19.12 $ 15.14 $ 19.35 $ 18.19 $ 18.23 + 0.2%

50,000 20.34 23.39 19.76 23.59 22.58 22.58 0.0%

75,000 26.86 28.49 26.13 28.59 28.06 27.94 - 0.4%

100,000 31.97 32.11 31.12 32.16 32.07 31.88 - 0.6%

200,000 45.30 41.00 44.23 41.13 42.14 41.95 - 0.5%

300,000 52.72 46.91 51.59 47.16 48.45 48.33 - 0.2%

500,000 62.94 54.88 61.77 55.12 57.02 56.88 - 0.2%

1,000,000 78.79 64.10 77.63 64.01 67.99 67.62 - 0.5%



PENNSYLVANIA


TABLE D6C-3


REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 4.14 $ 5.60 $ 3.86 $ 5.49 $ 5.24 $ 5.08 - 3.1%

20/40 5.25 6.93 4.90 6.80 6.51 6.33 - 2.8%

25/50 6.35 8.07 5.93 7.90 7.64 7.41 - 3.0%

35/35 7.97 9.78 7.46 9.55 9.33 9.03 - 3.2%

50/100 10.73 12.24 10.04 11.89 11.86 11.43 - 3.6%

100/200 16.82 16.63 15.78 16.06 16.68 15.99 - 4.1%

100/300 16.86 16.63 15.83 16.07 16.69 16.01 - 4.1%

250/500 25.53 22.71 24.08 21.99 23.42 22.51 - 3.9%

300/300 26.97 23.99 25.45 23.26 24.74 23.81 - 3.8%

500/500 32.19 28.06 30.48 27.19 29.09 28.01 - 3.7%

500/1000 32.30 28.15 30.58 27.27 29.19 28.10 - 3.7%

1000/1000 40.29 32.78 38.30 31.57 34.66 33.25 - 4.1%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 7.97 $ 9.78 $ 7.46 $ 9.55 $ 9.33 $ 9.03 - 3.2%

50,000 10.41 11.96 9.75 11.64 11.57 11.17 - 3.5%

75,000 13.74 14.57 12.88 14.10 14.36 13.80 - 3.9%

100,000 16.34 16.42 15.35 15.86 16.40 15.73 - 4.1%

200,000 23.17 20.97 21.82 20.29 21.52 20.67 - 3.9%

300,000 26.97 23.99 25.45 23.26 24.74 23.81 - 3.8%

500,000 32.19 28.06 30.48 27.19 29.09 28.01 - 3.7%

1,000,000 40.29 32.78 38.30 31.57 34.66 33.25 - 4.1%



PENNSYLVANIA


TABLE D6D-1





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 12.17 $ 9.73 $ 11.26 $ 9.01 $ 10.95 $ 10.14 - 7.4%

20/40 15.47 12.38 14.34 11.47 13.93 12.91 - 7.3%

25/50 18.71 14.97 17.35 13.88 16.84 15.62 - 7.2%

35/35 23.49 18.80 21.84 17.47 21.15 19.66 - 7.0%

50/100 31.57 25.26 29.37 23.49 28.42 26.43 - 7.0%

100/200 49.49 39.59 46.13 36.90 44.54 41.52 - 6.8%

100/300 49.65 39.72 46.28 37.02 44.69 41.65 - 6.8%

250/500 75.22 60.17 70.38 56.31 67.70 63.35 - 6.4%

300/300 79.40 63.52 74.41 59.53 71.46 66.97 - 6.3%

500/500 94.79 75.83 89.11 71.29 85.31 80.20 - 6.0%

500/1000 95.11 76.09 89.40 71.52 85.60 80.46 - 6.0%

1000/1000 118.65 94.92 111.97 89.58 106.79 100.78 - 5.6%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 23.49 $ 18.80 $ 21.84 $ 17.47 $ 21.15 $ 19.66 - 7.0%

50,000 30.63 24.50 28.52 22.81 27.57 25.67 - 6.9%

75,000 40.46 32.36 37.68 30.15 36.41 33.92 - 6.8%

100,000 48.14 38.51 44.89 35.91 43.33 40.40 - 6.8%

200,000 68.22 54.58 63.81 51.05 61.40 57.43 - 6.5%

300,000 79.40 63.52 74.41 59.53 71.46 66.97 - 6.3%

500,000 94.79 75.83 89.11 71.29 85.31 80.20 - 6.0%

1,000,000 118.65 94.92 111.97 89.58 106.79 100.78 - 5.6%



PENNSYLVANIA


TABLE D6D-2





(1) (2) (3) (4) (5) (6) (7)




15/30 $ 7.34 $ 5.87 $ 7.10 $ 5.68 $ 6.26 $ 6.06 - 3.2%

20/40 9.35 7.48 9.04 7.23 7.98 7.71 - 3.4%

25/50 11.30 9.04 10.93 8.75 9.64 9.33 - 3.2%

35/35 14.19 11.35 13.76 11.01 12.10 11.74 - 3.0%

50/100 19.07 15.26 18.51 14.81 16.27 15.79 - 3.0%

100/200 29.87 23.90 29.08 23.26 25.48 24.80 - 2.7%

100/300 29.97 23.97 29.17 23.33 25.56 24.88 - 2.7%

250/500 45.40 36.32 44.36 35.49 38.73 37.84 - 2.3%

300/300 47.93 38.35 46.90 37.52 40.89 40.01 - 2.2%

500/500 57.22 45.78 56.16 44.93 48.81 47.91 - 1.8%

500/1000 57.41 45.93 56.34 45.07 48.97 48.06 - 1.9%

1000/1000 71.63 57.30 70.57 56.45 61.10 60.19 - 1.5%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 14.19 $ 11.35 $ 13.76 $ 11.01 $ 12.10 $ 11.74 - 3.0%

50,000 18.49 14.79 17.97 14.38 15.77 15.33 - 2.8%

75,000 24.41 19.53 23.75 19.00 20.82 20.26 - 2.7%

100,000 29.06 23.25 28.30 22.64 24.79 24.14 - 2.6%

200,000 41.18 32.95 40.21 32.17 35.13 34.30 - 2.4%

300,000 47.93 38.35 46.90 37.52 40.89 40.01 - 2.2%

500,000 57.22 45.78 56.16 44.93 48.81 47.91 - 1.8%

1,000,000 71.63 57.30 70.57 56.45 61.10 60.19 - 1.5%



PENNSYLVANIA


TABLE D6D-3


REMAINDER OF STATE



(1) (2) (3) (4) (5) (6) (7)




15/30 $ 3.76 $ 3.01 $ 3.51 $ 2.81 $ 3.20 $ 2.99 - 6.6%

20/40 4.77 3.82 4.45 3.56 4.06 3.78 - 6.9%

25/50 5.77 4.62 5.39 4.31 4.91 4.58 - 6.7%

35/35 7.25 5.80 6.78 5.43 6.16 5.77 - 6.3%

50/100 9.75 7.80 9.13 7.31 8.29 7.77 - 6.3%

100/200 15.29 12.23 14.34 11.48 13.00 12.20 - 6.2%

100/300 15.33 12.26 14.39 11.51 13.03 12.23 - 6.1%

250/500 23.21 18.57 21.89 17.51 19.73 18.61 - 5.7%

300/300 24.52 19.61 23.14 18.51 20.84 19.67 - 5.6%

500/500 29.26 23.41 27.71 22.17 24.87 23.56 - 5.3%

500/1000 29.36 23.49 27.80 22.24 24.96 23.63 - 5.3%

1000/1000 36.63 29.30 34.81 27.85 31.13 29.59 - 4.9%

(8) (9) (10) (11) (12) (13) (14)




$35,000 $ 7.25 $ 5.80 $ 6.78 $ 5.43 $ 6.16 $ 5.77 - 6.3%

50,000 9.46 7.57 8.87 7.09 8.04 7.54 - 6.2%

75,000 12.49 9.99 11.71 9.37 10.62 9.96 - 6.2%

100,000 14.85 11.88 13.96 11.17 12.62 11.87 - 5.9%

200,000 21.06 16.85 19.84 15.87 17.90 16.86 - 5.8%

300,000 24.52 19.61 23.14 18.51 20.84 19.67 - 5.6%

500,000 29.26 23.41 27.71 22.17 24.87 23.56 - 5.3%

1,000,000 36.63 29.30 34.81 27.85 31.13 29.59 - 4.9%



PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D6C AND D6D

COLUMN (1) The present Limited Tort single car loss costs for the split limits are contained in


COLUMN (2) The present Limited Tort per car multi-car loss costs for the split limits are


COLUMN (3) The filed Limited Tort single car loss costs for the split limits are calculated by

applying the Limited Tort differential of 0.5946 to the Full Tort loss costs in

Table D5C, Column (3) for Stacked Coverage and Table D5D, Column (3) for


COLUMN (4) The filed Limited Tort per car multi-car loss costs for the split limits are calculated

by applying the Limited Tort differential of 0.5946 to the Full Tort loss costs in




single and multi-car loss costs from Columns (1) and (2) on the present exposure







COLUMN (8) The present Limited Tort single car loss costs for the split limits are contained in


COLUMN (9) The present Limited Tort per car multi-car loss costs for the split limits are


COLUMN (10) The filed Limited Tort single car loss costs for the split limits are calculated by

applying the Limited Tort differential of 0.5946 to the Full Tort loss costs in



COLUMN (11) The filed Limited Tort per car multi-car loss costs for the split limits are calculated

by applying the Limited Tort differential of 0.5946 to the Full Tort loss costs in





PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D6C AND D6D (Cont'd)

COLUMN (12) These are the present average per car single limits loss costs, calculated by

weighting the present single and multi-car loss costs from Columns (8) and (9) on

the present exposure distribution found in Table D4A, Column (1).

COLUMN (13) These are the filed average per car single limit loss costs, calculated by weighting

the filed single and per car multi-car loss costs from Columns (10) and (11) on the






PENNSYLVANIA


TABLE D7A-1

FULL TORT - STACKED


CALCULATION OF PRESENT AND FILED FULL TORT SEMI-ANNUAL AVERAGE LOSS COSTS

UNINSURED MOTORISTS

(1) (2) (3)

Split # of Written Present Filed

Limits Car Months Loss Cost Loss Cost

15/30 38,262 $ 27.35 $ 25.81

20/40 3,387 31.89 30.05

25/50 23,372 35.67 33.59

50/100 25,816 48.48 45.47

100/200 4,939 61.52 57.43

100/300 56,398 61.74 57.63

250/500 5,957 76.07 70.87

300/300 8,504 77.92 72.60

500/1000 21,248 85.09 79.26

1000/1000 1,500 93.56 86.98

__________ ______ ______

Total 189,383 $ 53.28 $ 49.83

Single # of Written Present Filed


All Other 43 $ 77.20 $ 71.95

$35,000 244 39.69 37.36

50,000 120 46.56 43.71

75,000 0 54.60 51.10

100,000 1,054 60.13 56.15

200,000 24 72.08 67.16

300,000 1,410 77.92 72.61

500,000 3,802 84.76 78.95

1,000,000 72 93.56 86.99

__________ ______ ______

Total 6,769 $ 77.20 $ 71.95

(4) Average Present Loss Cost: $54.11

(5) Average Filed Loss Cost: $50.59

(6) Total Filed Change: - 6.5%



PENNSYLVANIA


TABLE D7A-2

FULL TORT - STACKED



UNINSURED MOTORISTS

(1) (2) (3)



15/30 43,728 $ 6.87 $ 6.71

20/40 4,341 7.94 7.74

25/50 36,256 8.83 8.60

50/100 54,768 11.80 11.43

100/200 15,887 14.63 14.08

100/300 205,928 14.69 14.12

250/500 39,284 17.64 16.92

300/300 30,349 18.07 17.33

500/1000 135,917 19.68 18.87

1000/1000 9,920 21.51 20.57

__________ ______ ______

Total 576,378 $ 15.07 $ 14.50



All Other 91 $ 17.90 $ 17.17

$35,000 2,670 9.81 9.54

50,000 589 11.40 11.05

75,000 109 13.18 12.73

100,000 10,514 14.36 13.82

200,000 457 16.80 16.13

300,000 19,761 18.07 17.33

500,000 33,361 19.62 18.81

1,000,000 742 21.51 20.57

__________ ______ ______

Total 68,294 $ 17.90 $ 17.17






PENNSYLVANIA


TABLE D7A-3

FULL TORT - STACKED

REMAINDER OF STATE


UNINSURED MOTORISTS

(1) (2) (3)



All Other 331 $ 5.31 $ 4.95

15/30 337,161 2.61 2.47

20/40 27,599 3.02 2.85

25/50 351,314 3.35 3.16

50/100 571,414 4.47 4.19

100/200 102,333 5.54 5.16

100/300 1,505,985 5.56 5.18

250/500 306,077 6.66 6.19

300/300 145,518 6.82 6.34

500/1000 484,680 7.43 6.90

1000/1000 31,106 8.12 7.52

__________ ______ ______

Total 3,863,518 $ 5.31 $ 4.95



All Other 651 $ 6.50 $ 6.05

$35,000 36,558 3.72 3.50

50,000 16,603 4.32 4.05

75,000 632 5.00 4.66

100,000 92,697 5.43 5.06

200,000 3,136 6.36 5.90

300,000 120,019 6.82 6.33

500,000 208,430 7.41 6.88

1,000,000 7,354 8.12 7.51

__________ ______ ______

Total 486,080 $ 6.50 $ 6.05






PENNSYLVANIA


TABLE D7B-1




UNINSURED MOTORISTS

(1) (2) (3)



All Other 12 $ 44.02 $ 40.82

15/30 18,342 21.40 19.84

20/40 518 25.47 23.61

25/50 11,754 28.89 26.78

50/100 12,511 40.87 37.90

100/200 373 54.56 50.59

100/300 26,658 54.77 50.79

250/500 9,032 71.04 65.86

300/300 1,307 72.75 67.45

500/1000 1,736 79.80 74.00

1000/1000 169 88.79 82.33

__________ ______ ______

Total 82,412 $ 44.02 $ 40.82



All Other 48 $ 71.28 $ 66.10

$35,000 394 32.30 29.95

50,000 110 38.72 35.90

75,000 12 46.86 43.45

100,000 1,006 52.84 49.00

200,000 0 66.53 61.69

300,000 2,108 72.74 67.45

500,000 4,265 79.37 73.60

1,000,000 12 88.79 82.33

__________ ______ ______

Total 7,955 $ 71.28 $ 66.10






PENNSYLVANIA


TABLE D7B-2




UNINSURED MOTORISTS

(1) (2) (3)



All Other 74 $ 11.94 $ 11.38

15/30 19,042 4.84 4.62

20/40 425 5.77 5.50

25/50 16,414 6.54 6.23

50/100 24,918 9.25 8.81

100/200 530 12.35 11.78

100/300 91,688 12.40 11.82

250/500 46,229 16.09 15.33

300/300 5,809 16.47 15.69

500/1000 4,846 18.07 17.21

1000/1000 450 20.11 19.15

__________ ______ ______

Total 210,425 $ 11.94 $ 11.38



All Other 181 $ 16.16 $ 15.38

$35,000 1,482 7.32 6.97

50,000 497 8.77 8.35

75,000 0 10.61 10.11

100,000 7,033 11.97 11.40

200,000 73 15.07 14.35

300,000 13,965 16.48 15.68

500,000 22,171 17.98 17.12

1,000,000 357 20.11 19.15

__________ ______ ______

Total 45,759 $ 16.16 $ 15.38






PENNSYLVANIA


TABLE D7B-3


REMAINDER OF STATE


UNINSURED MOTORISTS

(1) (2) (3)



All Other 259 $ 4.35 $ 4.00

15/30 155,193 1.83 1.68

20/40 3,165 2.18 2.01

25/50 167,100 2.47 2.27

50/100 321,577 3.50 3.21

100/200 4,538 4.66 4.29

100/300 879,411 4.68 4.31

250/500 296,897 6.07 5.59

300/300 68,065 6.22 5.72

500/1000 17,510 6.82 6.28

1000/1000 1,996 7.59 6.99

__________ ______ ______

Total 1,915,711 $ 4.35 $ 4.00



All Other 1,963 $ 5.76 $ 5.31

$35,000 26,135 2.76 2.54

50,000 10,973 3.30 3.04

75,000 425 4.00 3.69

100,000 82,852 4.51 4.16

200,000 1,464 5.68 5.24

300,000 93,342 6.21 5.72

500,000 154,472 6.78 6.25

1,000,000 5,407 7.58 6.99

__________ ______ ______

Total 377,033 $ 5.76 $ 5.31






PENNSYLVANIA


TABLE D7C-1



CALCULATION OF PRESENT AND FILED LIMITED TORT SEMI-ANNUAL AVERAGE LOSS COSTS

UNINSURED MOTORISTS

(1) (2) (3)



All Other 12 $ 28.49 $ 26.68

15/30 76,220 16.26 15.35

20/40 5,132 18.96 17.87

25/50 29,740 21.21 19.98

50/100 31,960 28.82 27.04

100/200 3,385 36.58 34.15

100/300 69,430 36.71 34.27

250/500 4,504 45.23 42.14

300/300 15,521 46.33 43.17

500/1000 10,138 50.59 47.13

1000/1000 482 55.63 51.73

__________ ______ ______

Total 246,524 $ 28.49 $ 26.68



All Other 24 $ 42.72 $ 39.84

35,000 722 23.60 22.21

50,000 126 27.69 25.99

75,000 58 32.47 30.38

100,000 1,468 35.75 33.39

200,000 36 42.86 39.93

300,000 1,884 46.33 43.17

500,000 2,529 50.40 46.94

1,000,000 21 55.63 51.72

__________ ______ ______

Total 6,868 $ 42.72 $ 39.84






PENNSYLVANIA


TABLE D7C-2




UNINSURED MOTORISTS

(1) (2) (3)



15/30 77,661 $ 4.08 $ 3.99

20/40 4,713 4.72 4.60

25/50 44,119 5.25 5.11

50/100 60,331 7.01 6.80

100/200 8,970 8.70 8.37

100/300 184,703 8.73 8.40

250/500 25,778 10.49 10.07

300/300 37,950 10.74 10.31

500/1000 49,559 11.70 11.22

1000/1000 2,897 12.78 12.23

__________ ______ ______

Total 496,681 $ 8.01 $ 7.72



All Other 124 $ 9.97 $ 9.59

35,000 6,333 5.83 5.67

50,000 1,300 6.77 6.57

75,000 133 7.83 7.57

100,000 15,118 8.53 8.21

200,000 491 9.99 9.59

300,000 21,522 10.74 10.31

500,000 20,536 11.66 11.19

1,000,000 499 12.79 12.23

__________ ______ ______

Total 66,056 $ 9.97 $ 9.59






PENNSYLVANIA


TABLE D7C-3


REMAINDER OF STATE


UNINSURED MOTORISTS

(1) (2) (3)



All Other 665 $ 2.88 $ 2.68

15/30 592,902 1.56 1.47

20/40 26,481 1.80 1.69

25/50 393,841 2.00 1.88

50/100 595,084 2.67 2.49

100/200 49,926 3.30 3.06

100/300 1,349,858 3.31 3.08

250/500 192,477 3.96 3.68

300/300 140,993 4.07 3.77

500/1000 182,605 4.43 4.10

1000/1000 10,075 4.84 4.48

__________ ______ ______

Total 3,534,907 $ 2.88 $ 2.68



All Other 1,605 $ 3.65 $ 3.39

35,000 49,597 2.21 2.08

50,000 15,359 2.56 2.41

75,000 763 2.97 2.77

100,000 86,859 3.23 3.01

200,000 3,327 3.78 3.50

300,000 96,620 4.06 3.76

500,000 106,932 4.40 4.09

1,000,000 2,900 4.83 4.47

__________ ______ ______

Total 363,962 $ 3.65 $ 3.39






PENNSYLVANIA


TABLE D7D-1




UNINSURED MOTORISTS

(1) (2) (3)



All Other 30 $ 23.86 $ 22.12

15/30 54,498 12.72 11.79

20/40 1,045 15.14 14.03

25/50 25,155 17.17 15.92

50/100 27,450 24.30 22.53

100/200 854 32.44 30.07

100/300 53,312 32.57 30.19

250/500 10,423 42.23 39.16

300/300 2,895 43.25 40.10

500/1000 2,127 47.45 43.99

1000/1000 126 52.79 48.95

__________ ______ ______

Total 177,915 $ 23.86 $ 22.12



All Other 192 $ 37.75 $ 35.00

35,000 1,806 19.21 17.81

50,000 424 23.03 21.35

75,000 0 27.86 25.84

100,000 3,791 31.43 29.14

200,000 77 39.56 36.68

300,000 4,345 43.26 40.11

500,000 4,145 47.20 43.76

1,000,000 24 52.80 48.95

__________ ______ ______

Total 14,804 $ 37.75 $ 35.00






PENNSYLVANIA


TABLE D7D-2




UNINSURED MOTORISTS

(1) (2) (3)



All Other 87 $ 6.48 $ 6.17

15/30 57,314 2.88 2.74

20/40 887 3.43 3.26

25/50 35,057 3.89 3.70

50/100 52,255 5.50 5.24

100/200 813 7.35 7.00

100/300 168,258 7.38 7.02

250/500 49,152 9.57 9.10

300/300 8,238 9.80 9.32

500/1000 4,727 10.75 10.23

1000/1000 173 11.95 11.38

__________ ______ ______

Total 376,961 $ 6.48 $ 6.17



All Other 581 $ 8.84 $ 8.43

35,000 7,913 4.35 4.15

50,000 1,318 5.21 4.97

75,000 25 6.31 6.02

100,000 18,725 7.11 6.78

200,000 260 8.96 8.54

300,000 28,509 9.80 9.33

500,000 24,295 10.69 10.19

1,000,000 228 11.96 11.39

__________ ______ ______

Total 81,854 $ 8.84 $ 8.43






PENNSYLVANIA


TABLE D7D-3


REMAINDER OF STATE


UNINSURED MOTORISTS

(1) (2) (3)



All Other 371 $ 2.35 $ 2.17

15/30 450,542 1.09 1.00

20/40 5,945 1.30 1.19

25/50 307,537 1.47 1.35

50/100 530,643 2.08 1.91

100/200 7,787 2.77 2.55

100/300 1,234,687 2.78 2.56

250/500 270,440 3.61 3.33

300/300 61,060 3.70 3.40

500/1000 21,550 4.06 3.73

1000/1000 1,486 4.51 4.16

__________ ______ ______

Total 2,892,048 $ 2.35 $ 2.17



All Other 2,736 $ 3.22 $ 2.96

35,000 48,305 1.65 1.51

50,000 15,490 1.97 1.81

75,000 599 2.39 2.19

100,000 111,168 2.69 2.47

200,000 2,229 3.39 3.11

300,000 119,793 3.70 3.40

500,000 114,348 4.04 3.72

1,000,000 2,249 4.52 4.16

__________ ______ ______

Total 416,917 $ 3.22 $ 2.96






PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D7A, D7B, D7C, AND D7D

COLUMN (1) The written car months by policy limit for Uninsured Motorists Bodily Injury

coverages are those exposures which have been written during the latest accident

year ending 12/31/2016.

COLUMNS (2) AND (3)

The present loss costs are total limits loss costs calculated by adding the present

basic limits loss costs shown in Tables D5A, D5B, D6A, and D6B, Column (5), to

the applicable higher limits increments shown in Tables D5A, D5B, D6A, and

D6B, Columns (12) and (19). The filed loss costs are similarly calculated using the

loss costs and increments shown in Tables D5A, D5B, D6A, and D6B,

Columns (6), (13), and (20).

For "All Other" policy limits, the present and filed loss costs are an average of the

present and filed loss costs for the other policy limits shown weighted on the

written car months in Column (1).

The average split and single limit present loss costs are a weighted average of the

loss costs in Column (2) weighted on the written car months in Column (1). The

average split and single limit filed loss costs are similarly calculated using the loss

costs in Column (3).

LINES (4) AND (5)

The average present loss cost is the weighted average of the split and single limit

average loss costs weighted on the total written car months in Column (1). The

average filed loss cost is similarly calculated.

Table D7A-1:

UM Average Present Loss Cost:

(($53.28 x 189,383 + $77.20 x 6,769)/(189,383 + 6,769)) = $54.11

UM Average Filed Loss Cost:

(($49.83 x 189,383 + $71.95 x 6,769)/(189,383 + 6,769)) = $50.59

LINE (6) The total filed change is the average filed loss cost in Line (5) divided by the

average present loss cost in Line (4).



PENNSYLVANIA


TABLE D8A-1

FULL TORT - STACKED



UNDERINSURED MOTORISTS

(1) (2) (3)



15/30 37,827 $ 26.49 $ 25.27

20/40 3,420 33.20 31.66

25/50 23,150 39.30 37.42

50/100 25,597 62.55 59.32

100/200 4,912 91.07 86.11

100/300 56,252 91.23 86.25

250/500 5,838 131.43 124.59

300/300 8,457 138.80 131.75

500/1000 21,131 164.68 156.44

1000/1000 1,480 199.05 188.98

__________ ______ ______

Total 188,064 $ 79.34 $ 75.24



All Other 43 $136.82 $129.91

$35,000 232 48.36 46.02

50,000 108 60.92 57.86

75,000 0 77.11 73.00

100,000 1,066 89.26 84.44

200,000 24 120.23 113.90

300,000 1,321 138.80 131.75

500,000 2,663 164.12 155.98

1,000,000 72 199.05 188.98

__________ ______ ______

Total 5,529 $136.82 $129.91






PENNSYLVANIA


TABLE D8A-2

FULL TORT - STACKED




(1) (2) (3)



15/30 43,723 $ 17.12 $ 17.24

20/40 4,353 21.34 21.48

25/50 35,894 25.06 25.16

50/100 54,494 38.93 38.86

100/200 15,753 54.83 54.49

100/300 205,698 54.88 54.54

250/500 39,014 77.14 76.86

300/300 30,086 81.49 81.29

500/1000 135,655 96.20 95.95

1000/1000 9,895 114.35 113.73

__________ ______ ______

Total 574,565 $ 62.06 $ 61.84



All Other 91 $ 81.96 $ 81.74

$35,000 2,851 30.58 30.67

50,000 613 37.98 37.97

75,000 109 47.18 46.99

100,000 10,392 53.94 53.63

200,000 457 70.87 70.55

300,000 19,831 81.49 81.29

500,000 32,928 95.89 95.67

1,000,000 742 114.35 113.73

__________ ______ ______

Total 68,014 $ 81.96 $ 81.74






PENNSYLVANIA


TABLE D8A-3

FULL TORT - STACKED

REMAINDER OF STATE



(1) (2) (3)



All Other 286 $ 27.97 $ 26.90

15/30 332,536 8.80 8.55

20/40 27,736 10.95 10.64

25/50 351,789 12.86 12.46

50/100 573,077 19.95 19.22

100/200 102,076 28.04 26.89

100/300 1,501,540 28.07 26.92

250/500 301,627 39.38 37.87

300/300 147,016 41.59 40.04

500/1000 484,077 49.09 47.25

1000/1000 30,990 58.29 55.93

__________ ______ ______

Total 3,852,750 $ 27.97 $ 26.90



All Other 963 $ 38.96 $ 37.50

$35,000 38,216 15.68 15.18

50,000 16,629 19.46 18.78

75,000 632 24.15 23.21

100,000 93,957 27.59 26.47

200,000 3,088 36.19 34.77

300,000 118,468 41.59 40.04

500,000 185,125 48.93 47.11

1,000,000 7,380 58.29 55.93

__________ ______ ______

Total 464,458 $ 38.96 $ 37.50






PENNSYLVANIA


TABLE D8B-1





(1) (2) (3)



All Other 12 $ 58.30 $ 54.36

15/30 17,506 18.42 17.05

20/40 544 23.42 21.70

25/50 11,316 28.33 26.26

50/100 12,177 47.79 44.45

100/200 376 74.92 69.82

100/300 26,858 75.15 70.05

250/500 8,616 113.85 106.54

300/300 1,265 120.19 112.64

500/1000 1,698 143.96 135.33

1000/1000 188 179.60 169.48

__________ ______ ______

Total 80,556 $ 58.30 $ 54.36



All Other 60 $119.91 $112.53

$35,000 430 35.56 33.06

50,000 112 46.36 43.17

75,000 12 61.24 57.04

100,000 977 72.87 67.94

200,000 0 103.27 96.59

300,000 2,104 120.19 112.64

500,000 3,813 143.47 134.88

1,000,000 12 179.60 169.48

__________ ______ ______

Total 7,520 $119.91 $112.53






PENNSYLVANIA


TABLE D8B-2





(1) (2) (3)



All Other 74 $ 42.42 $ 41.33

15/30 18,154 10.53 10.18

20/40 389 13.41 12.97

25/50 15,977 16.22 15.69

50/100 24,352 27.36 26.55

100/200 581 42.85 41.71

100/300 96,937 42.99 41.84

250/500 41,414 65.14 63.63

300/300 5,949 68.76 67.28

500/1000 4,870 82.36 80.82

1000/1000 449 102.75 101.23

__________ ______ ______

Total 209,146 $ 42.42 $ 41.33



All Other 181 $ 69.26 $ 67.86

$35,000 1,370 20.35 19.74

50,000 509 26.53 25.78

75,000 0 35.03 34.07

100,000 7,133 41.69 40.59

200,000 73 59.08 57.69

300,000 13,763 68.76 67.28

500,000 22,022 82.09 80.57

1,000,000 315 102.75 101.23

__________ ______ ______

Total 45,366 $ 69.26 $ 67.86






PENNSYLVANIA


TABLE D8B-3


REMAINDER OF STATE



(1) (2) (3)



All Other 307 $ 20.49 $ 19.26

15/30 141,196 5.38 5.02

20/40 3,147 6.82 6.37

25/50 160,586 8.26 7.70

50/100 310,892 13.94 13.06

100/200 4,591 21.86 20.51

100/300 871,394 21.91 20.57

250/500 273,602 33.18 31.29

300/300 70,612 35.04 33.08

500/1000 17,176 41.97 39.74

1000/1000 1,984 52.36 49.77

__________ ______ ______

Total 1,855,487 $ 20.49 $ 19.26



All Other 1,596 $ 32.53 $ 30.73

$35,000 24,570 10.36 9.70

50,000 10,844 13.53 12.68

75,000 341 17.85 16.75

100,000 80,943 21.23 19.95

200,000 1,452 30.11 28.36

300,000 90,535 35.04 33.08

500,000 144,314 41.83 39.61

1,000,000 5,207 52.36 49.77

__________ ______ ______

Total 359,802 $ 32.53 $ 30.73






PENNSYLVANIA


TABLE D8C-1





(1) (2) (3)



15/30 75,021 $ 15.75 $ 15.03

20/40 5,180 19.74 18.83

25/50 29,424 23.37 22.25

50/100 31,890 37.19 35.27

100/200 3,216 54.15 51.20

100/300 69,058 54.25 51.28

250/500 4,247 78.15 74.08

300/300 15,446 82.53 78.34

500/1000 10,194 97.92 93.02

1000/1000 482 118.36 112.37

__________ ______ ______

Total 244,158 $ 39.89 $ 37.83



All Other 24 $ 72.52 $ 68.84

$35,000 746 28.76 27.37

50,000 126 36.22 34.41

75,000 58 45.85 43.41

100,000 1,509 53.08 50.21

200,000 48 71.49 67.72

300,000 1,675 82.53 78.34

500,000 2,012 97.58 92.75

1,000,000 21 118.36 112.37

__________ ______ ______

Total 6,219 $ 72.52 $ 68.84






PENNSYLVANIA


TABLE D8C-2





(1) (2) (3)



15/30 76,929 $ 10.17 $ 10.25

20/40 4,612 12.69 12.77

25/50 43,977 14.90 14.96

50/100 60,508 23.15 23.11

100/200 8,876 32.60 32.40

100/300 183,341 32.63 32.43

250/500 25,605 45.87 45.70

300/300 37,828 48.45 48.33

500/1000 49,338 57.20 57.05

1000/1000 2,878 67.99 67.62

__________ ______ ______

Total 493,892 $ 30.76 $ 30.66



All Other 124 $ 43.79 $ 43.67

$35,000 6,654 18.19 18.23

50,000 1,264 22.58 22.58

75,000 109 28.06 27.94

100,000 15,291 32.07 31.88

200,000 479 42.14 41.95

300,000 20,988 48.45 48.33

500,000 20,340 57.02 56.88

1,000,000 499 67.99 67.62

__________ ______ ______

Total 65,748 $ 43.79 $ 43.67






PENNSYLVANIA


TABLE D8C-3


REMAINDER OF STATE



(1) (2) (3)



All Other 533 $ 14.30 $ 13.75

15/30 577,947 5.24 5.08

20/40 26,190 6.51 6.33

25/50 392,779 7.64 7.41

50/100 594,383 11.86 11.43

100/200 49,466 16.68 15.99

100/300 1,340,745 16.69 16.01

250/500 189,870 23.42 22.51

300/300 146,739 24.74 23.81

500/1000 182,117 29.19 28.10

1000/1000 9,870 34.66 33.25

__________ ______ ______

Total 3,510,639 $ 14.30 $ 13.75



All Other 1,653 $ 21.16 $ 20.36

$35,000 50,232 9.33 9.03

50,000 15,407 11.57 11.17

75,000 708 14.36 13.80

100,000 87,292 16.40 15.73

200,000 3,321 21.52 20.67

300,000 94,734 24.74 23.81

500,000 98,634 29.09 28.01

1,000,000 2,840 34.66 33.25

__________ ______ ______

Total 354,821 $ 21.16 $ 20.36






PENNSYLVANIA


TABLE D8D-1





(1) (2) (3)



All Other 30 $ 30.46 $ 28.38

15/30 49,997 10.95 10.14

20/40 1,050 13.93 12.91

25/50 24,300 16.84 15.62

50/100 26,750 28.42 26.43

100/200 855 44.54 41.52

100/300 53,093 44.69 41.65

250/500 10,012 67.70 63.35

300/300 2,786 71.46 66.97

500/1000 2,070 85.60 80.46

1000/1000 126 106.79 100.78

__________ ______ ______

Total 171,069 $ 30.46 $ 28.38



All Other 192 $ 60.39 $ 56.58

$35,000 1,718 21.15 19.66

50,000 428 27.57 25.67

75,000 0 36.41 33.92

100,000 3,836 43.33 40.40

200,000 77 61.40 57.43

300,000 4,153 71.46 66.97

500,000 4,024 85.31 80.20

1,000,000 12 106.79 100.78

__________ ______ ______

Total 14,440 $ 60.39 $ 56.58






PENNSYLVANIA


TABLE D8D-2





(1) (2) (3)



All Other 111 $ 22.22 $ 21.64

15/30 54,089 6.26 6.06

20/40 874 7.98 7.71

25/50 34,310 9.64 9.33

50/100 50,339 16.27 15.79

100/200 826 25.48 24.80

100/300 173,118 25.56 24.88

250/500 45,070 38.73 37.84

300/300 8,228 40.89 40.01

500/1000 4,547 48.97 48.06

1000/1000 173 61.10 60.19

__________ ______ ______

Total 371,685 $ 22.22 $ 21.64



All Other 581 $ 36.37 $ 35.59

$35,000 7,883 12.10 11.74

50,000 1,328 15.77 15.33

75,000 37 20.82 20.26

100,000 18,477 24.79 24.14

200,000 260 35.13 34.30

300,000 28,012 40.89 40.01

500,000 24,226 48.81 47.91

1,000,000 216 61.10 60.19

__________ ______ ______

Total 81,020 $ 36.37 $ 35.59






PENNSYLVANIA


TABLE D8D-3


REMAINDER OF STATE



(1) (2) (3)



All Other 389 $ 10.71 $ 10.06

15/30 423,377 3.20 2.99

20/40 5,647 4.06 3.78

25/50 305,667 4.91 4.58

50/100 528,272 8.29 7.77

100/200 7,936 13.00 12.20

100/300 1,243,739 13.03 12.23

250/500 256,488 19.73 18.61

300/300 70,892 20.84 19.67

500/1000 21,001 24.96 23.63

1000/1000 1,497 31.13 29.59

__________ ______ ______

Total 2,864,905 $ 10.71 $ 10.06



All Other 2,840 $ 17.48 $ 16.50

$35,000 47,524 6.16 5.77

50,000 15,614 8.04 7.54

75,000 599 10.62 9.96

100,000 110,903 12.62 11.87

200,000 2,407 17.90 16.86

300,000 117,506 20.84 19.67

500,000 108,263 24.87 23.56

1,000,000 2,261 31.13 29.59

__________ ______ ______

Total 407,917 $ 17.48 $ 16.50






PENNSYLVANIA


EXPLANATORY NOTES TO TABLES D8A, D8B, D8C, AND D8D

COLUMN (1)

The written car months by policy limit for Underinsured Motorists Bodily Injury

coverages are those exposures which have been written during the latest accident

year ending 12/31/2016.

COLUMNS (2) AND (3)

The present loss costs are the total limits loss costs shown in Tables D5C, D5D,

D6C and D6D, Columns (5) and (12). The filed loss costs are the total limits loss

costs shown in Tables D5C, D5D, D6C and D6D, Columns (6) and (13).

For "All Other" policy limits, the present and filed loss costs are an average of the

present and filed loss costs for the other policy limits shown weighted on the

written car months in Column (1).

The average split and single limit present loss costs are a weighted average of the

loss costs in Column (2) weighted on the written car months in Column (1). The

average split and single limit filed loss costs are similarly calculated using the loss

costs in Column (3).

LINES (4) AND (5)

The average present loss cost is the weighted average of the split and single limit

average loss costs weighted on the total written car months in Column (1). The

average filed loss cost is similarly calculated.

Table D8A-1:

UIM Average Present Loss Cost:

(($79.34 x 188,064 + $136.82 x 5,529)/(188,064 + 5,529)) = $80.98

UIM Average Filed Loss Cost:

(($75.24 x 188,064 + $129.91 x 5,529)/(188,064 + 5,529)) = $76.80

LINE (6) The total filed change is the average filed loss cost in Line (5) divided by the

average present loss cost in Line (4).



PENNSYLVANIA


TABLE D9A

UNINSURED MOTORISTS TOTAL LIMIT CHANGES

Stacked Option

Full Tort Limited Tort Full + Limited Tort

Pres. T/L Rev. T/L Pres. T/L Rev. T/L Pres. T/L Rev. T/L

Loss Cost Loss Cost % Change Loss Cost Loss Cost % Change Loss Cost Loss Cost % Change

Tier 1 $54.11 $50.59 -6.5% $28.88 $27.04 -6.4% $39.78 $37.21 -6.4%

Tier 2 15.37 14.78 -3.8% 8.24 7.94 -3.6% 12.07 11.62 -3.8%

Tier 3 5.44 5.07 -6.8% 2.95 2.75 -6.8% 4.26 3.97 -6.8%

Statewide $8.58 $8.06 -6.1% $5.02 $4.72 -6.0% $6.88 $6.47 -6.0%

Non-Stacked Option




Tier 1 $46.42 $43.05 -7.3% $24.93 $23.11 -7.3% $31.71 $29.40 -7.3%

Tier 2 12.69 12.09 -4.7% 6.90 6.57 -4.8% 8.99 8.57 -4.8%

Tier 3 4.58 4.22 -7.9% 2.46 2.27 -7.7% 3.33 3.07 -7.8%

Statewide $6.84 $6.36 -7.0% $4.10 $3.82 -6.8% $5.20 $4.83 -7.1%

Stacked and Non-Stacked Options Combined

Full Tort (a) Limited Tort Full + Limited Tort



Tier 1 $51.68 $48.21 -6.7% $27.17 $25.34 -6.7% $36.65 $34.19 -6.7%

Tier 2 14.61 14.02 -4.0% 7.64 7.32 -4.2% 10.93 10.48 -4.1%

Tier 3 5.14 4.78 -7.0% 2.73 2.53 -7.3% 3.88 3.61 -7.1%

Statewide $8.00 $7.49 -6.4% $4.60 $4.31 -6.3% $6.21 $5.81 -6.4%



PENNSYLVANIA


TABLE D9B

UNDERINSURED MOTORISTS TOTAL LIMIT CHANGES

Stacked Option




Tier 1 $80.98 $76.80 -5.2% $40.70 $38.60 -5.2% $58.08 $55.08 -5.2%

Tier 2 64.17 63.95 -0.3% 32.29 32.19 -0.3% 49.34 49.17 -0.3%

Tier 3 29.15 28.04 -3.8% 14.93 14.36 -3.8% 22.43 21.57 -3.8%

Statewide $35.62 $34.51 -3.1% $18.47 $17.88 -3.2% $27.45 $26.59 -3.1%

Non-Stacked Option




Tier 1 $63.56 $59.33 -6.7% $32.79 $30.58 -6.7% $42.57 $39.72 -6.7%

Tier 2 47.20 46.06 -2.4% 24.75 24.14 -2.5% 32.83 32.03 -2.4%

Tier 3 22.45 21.12 -5.9% 11.55 10.86 -6.0% 15.94 15.00 -5.9%

Statewide $26.42 $25.01 -5.3% $14.15 $13.40 -5.3% $18.99 $17.98 -5.3%





Tier 1 $75.53 $71.34 -5.5% $37.33 $35.19 -5.7% $52.16 $49.22 -5.6%

Tier 2 59.36 58.87 -0.8% 28.92 28.59 -1.1% 43.22 42.82 -0.9%

Tier 3 26.88 25.69 -4.4% 13.38 12.76 -4.6% 19.82 18.93 -4.5%

Statewide $32.57 $31.36 -3.7% $16.50 $15.84 -4.0% $24.10 $23.17 -3.9%



PENNSYLVANIA


TABLE D9C

UNINSURED MOTORISTS BASIC LIMIT CHANGES

Stacked Option


Pres. B/L Rev. B/L Pres. B/L Rev. B/L Pres. B/L Rev. B/L


Tier 1 $27.35 $25.81 -5.6% $16.26 $15.35 -5.6% $21.05 $19.87 -5.6%

Tier 2 6.87 6.71 -2.3% 4.08 3.99 -2.2% 5.58 5.45 -2.3%

Tier 3 2.61 2.47 -5.4% 1.56 1.47 -5.8% 2.11 2.00 -5.5%

Statewide $4.10 $3.91 -4.6% $2.67 $2.54 -4.9% $3.42 $3.25 -5.0%

Non-Stacked Option




Tier 1 $21.40 $19.84 -7.3% $12.72 $11.79 -7.3% $15.46 $14.33 -7.3%

Tier 2 4.84 4.62 -4.5% 2.88 2.74 -4.9% 3.59 3.42 -4.7%

Tier 3 1.83 1.68 -8.2% 1.09 1.00 -8.3% 1.39 1.28 -8.2%

Statewide $2.81 $2.60 -7.5% $1.88 $1.74 -7.4% $2.25 $2.09 -7.1%





Tier 1 $25.47 $23.93 -6.0% $14.73 $13.81 -6.2% $18.89 $17.72 -6.1%

Tier 2 6.29 6.12 -2.7% 3.54 3.43 -3.1% 4.84 4.70 -3.0%

Tier 3 2.34 2.20 -6.0% 1.34 1.25 -6.7% 1.82 1.71 -6.3%

Statewide $3.67 $3.47 -5.4% $2.31 $2.17 -6.1% $2.95 $2.79 -5.4%



PENNSYLVANIA


TABLE D9D

UNDERINSURED MOTORISTS BASIC LIMIT CHANGES

Stacked Option




Tier 1 $26.49 $25.27 -4.6% $15.75 $15.03 -4.6% $20.38 $19.45 -4.6%

Tier 2 17.12 17.24 0.7% 10.17 10.25 0.8% 13.89 13.99 0.7%

Tier 3 8.80 8.55 -2.8% 5.24 5.08 -3.1% 7.12 6.91 -2.9%

Statewide $10.54 $10.30 -2.3% $6.42 $6.26 -2.5% $8.58 $8.37 -2.4%

Non-Stacked Option




Tier 1 $18.42 $17.05 -7.4% $10.95 $10.14 -7.4% $13.33 $12.34 -7.4%

Tier 2 10.53 10.18 -3.3% 6.26 6.06 -3.2% 7.80 7.54 -3.3%

Tier 3 5.38 5.02 -6.7% 3.20 2.99 -6.6% 4.08 3.81 -6.6%

Statewide $6.36 $5.97 -6.1% $3.94 $3.70 -6.1% $4.89 $4.59 -6.1%





Tier 1 $23.97 $22.70 -5.3% $13.71 $12.95 -5.5% $17.69 $16.73 -5.4%

Tier 2 15.25 15.24 -0.1% 8.42 8.38 -0.5% 11.63 11.60 -0.3%

Tier 3 7.64 7.35 -3.8% 4.30 4.12 -4.2% 5.90 5.66 -3.9%

Statewide $9.15 $8.86 -3.2% $5.29 $5.09 -3.8% $7.11 $6.87 -3.4%

Insurance Services Office, Inc.

101 Burr Ridge Pkwy.

Suite 300

Burr Ridge, IL 60527-0846

www.iso.com

Peter A. Quirk, CPCU, AIS, AIC

Regional Director

Government Relations

t 630.288.2025

f 201.748.1888

[email protected]

November 22, 2017

The Honorable Jessica K. Altman Commissioner Commonwealth of Pennsylvania Insurance Department 1311 Strawberry Square Harrisburg, PA 17120-0046 Attn: Bureau of Property & Casualty Insurance Dear Commissioner Altman:

Insurance Services Office, Inc. PP-2017-BRLA1

Personal Auto Advisory Prospective Loss Cost Revision Insurance Services Office, Inc. hereby files the captioned revision. This revision is subject to the following rule of application:

These changes are applicable to all policies written on or after May 1, 2018. In accordance with your loss cost procedures, this effective date applies only to those insurers who have filed loss cost adjustments to be automatically applicable to future ISO loss cost revisions for this program. Any other appropriately participating ISO insurer may adopt ISO loss costs by filing loss cost multipliers and selecting an effective date. Your early approval will be greatly appreciated.

Sincerely,

Peter A. Quirk

PAQ/kt

filing at a glance - pennsylvania · 2017-11-30 · reviewer(s): xiaofeng lu (primary), michael...

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