ohio auto program & financial responsibility bond program...2002/03/20 · ohio auto program...

Ohio Auto Program &

Financial Responsibility Bond Program

New Business 02/03/20 Renewal Business 03/07/20

Founders Insurance Company | P.O. Box 5040, Des Plaines, IL 60017-5040 | www.foundersinsurance.com toll free phone (800) 972-8778 | fax (847) 795-0080 | toll free fax (888) 920-0078

OH-PPA/FR BOND Effective 02/03/20 NB & 03/07/20 RN

Table of Contents

Quick Contact Guide ...................................... 1

1. GENERAL GUIDELINES .................................2

Introduction ................................................... 2

Application ..................................................... 2

Policy Term ..................................................... 2

Binding Authority ........................................... 2

Fraud and Misrepresentation ........................ 3

File Maintenance and Audit Requirements ... 3

Cancellations .................................................. 4

Reinstatements .............................................. 5

Renewals ........................................................ 5

Endorsement Guidelines ................................ 5

Claims Procedures .......................................... 7

2. ACCEPTABILITY ...........................................8

Suspended, Expired, Revoked or Cancelled License ............................................................ 8

Financial Responsibility Filings ....................... 8

VIN (Vehicle Identification Number) .............. 8

Driver’s Licenses ............................................. 8

Driver Exclusions (Personal Auto Policies) ..... 9

Medical Certification Requirements .............. 9

Listed Operators / Non-Licensed Household Residents (Personal Auto Policies) ................. 9

Unacceptable Risks - All Coverages ............. 10

Unacceptable Vehicles - Physical Damage .. 12

Unacceptable Vehicles – Physical Damage – Specific Makes/Models ................................ 13

Unacceptable Risks – Midterm Changes to Insured Vehicles / Drivers ............................ 13

3. COVERAGE INFORMATION........................ 14

BI/PD ............................................................ 14

UM/UIM Bodily Injury .................................. 14

UM/PD ......................................................... 15

Medical Payments ....................................... 15

Comprehensive/Collision ............................. 15

Add-On Equipment Coverage Rule .............. 16

Towing and Labor ........................................ 16

Emergency Roadside Assistance .................. 16

Rental/Transportation Expenses ................. 17

Named Non-Owner Policy ........................... 17

Liability Only Policies ................................... 17

Financial Responsibility Bond ...................... 17

Limited Transportation Network Driver Coverage (No Passenger) ............................. 18

Business Use ................................................ 18

Legal Expense ............................................... 19

Accidental Death .......................................... 19

Basic Tenant Personal Property and Liability Enhancement Coverage ............................... 19

OH-PPA/FR BOND Effective 02/03/20 NB & 03/07/20 RN

4. DISCOUNTS, POINTS AND SURCHARGES .... 20

Discounts ...................................................... 20

Points ........................................................... 21

Surcharges (Personal Auto Policies Only) .... 23

5. RATING .................................................... 24

Premium Determination .............................. 24

Violation/Accident Determination ............... 25

Prior Insurance Factor (Personal Auto Policies Only) ............................................................. 26

Insurance Scoring (Personal Auto Policies Only) ............................................................. 27

Driver Class Determination .......................... 27

Point Surcharges and/or Class Changes ....... 28

Garage Location and Territory ..................... 28

New Business Minimum Earned Premium ... 28

Vehicle Symbols (Personal Auto Policies Only)...................................................................... 28

6. BILLING AND FEES .................................... 30

Direct Bill ...................................................... 30

Agency Bill .................................................... 30

Uprates ......................................................... 30

Insufficient Down Payment .......................... 30

Checks Returned for Non-Sufficient Funds (NSF) / Rejected Payments........................... 30

Personal Auto and FR Bond Fees ................. 31

APPENDIX:

Zip Code Territory Guides

Private Passenger Auto ................................ P1

FR Bond ........................................................ B1

Ohio Rates

Private Passenger Auto…….………………PPA-R-1

FR Bond………………………………………………FR-R-1

OH-PPA/FR BOND Page 1 Effective 02/03/20 NB & 03/07/20 RN

Quick Contact Guide

General Office Hours

Monday through Friday, 8:00 am - 5:00 pm CT Saturday, 8:00 am - 12:00 pm CT (billing and new claim reporting only)

Underwriting and Payment Address

P.O. Box 5040 Des Plaines, IL 60017-5040

Claims Address

P.O. Box 5100 Des Plaines, IL 60017-5100

Phone Numbers

General Number Toll Free (800) 972-8778 Claims (888) 676-4342 Marketing (847) 768-3269 Technical Support Toll Free (866) 758-7678

Fax Numbers

Underwriting Toll Free (888) 920-0078 Underwriting (847) 795-0080 Homeowners Underwriting (847) 321-4499 Claims (847) 768-0078

Email Addresses

[email protected] [email protected] [email protected] [email protected] [email protected] (Homeowners)

Online Services

Customer Dedicated Website www.foundersinsurance.com Agent Dedicated Website https://myweb.foundersagents.com

GENERAL GUIDELINES


1. GENERAL GUIDELINES Introduction These Underwriting rules will provide you with the ability to readily quote most of your customers requiring products in the non-standard auto insurance market including financial responsibility bonds. For complete information on coverages described in these rules, you need to refer to the policy Declarations and forms. No coverage is provided within these guidelines; nor can they be construed to replace any provision of a policy. We realize circumstances will arise that require clarification or interpretation. Our underwriters are here to assist you. If in doubt, please call. We maintain the right to refuse or cancel a risk based upon individual review of an application, underwriting reports (including Motor Vehicle Reports) and our underwriting judgment.

Application All new business must be submitted electronically through the Founders Agent website (https://myweb. foundersagents.com) using the Founders Personal Auto application or FR Bond application, or through a comparative rater integrated with Founders (please refer to the Founders website for current vendors).

The Founders application must be fully completed, printed, signed by both you and the applicant, and retained in your office.

• (Private Passenger Auto) Provide information for the applicant/named insured, spouse, all children of driving age (list age 15 and greater) residing with the applicant, other household residents, and any other regular operators of the vehicle(s) who do not live in the household. Refer to Section 2. Listed Operators/Non-Licensed Household Residents for additional information on drivers who must be reported.

• Risks written with physical damage should be inspected by you. Any existing damage should be noted on the application. It is recommended that you take two photographs of the damage. These photographs should be taken from the front corner and from the opposite rear corner of the damaged side of the vehicle and must clearly show the damage. The photographs are to be retained in your agency file.

• P.O. Box addresses are not acceptable unless a garaging address is also provided. Refer to Section 5. Garage Location and Territory for additional information.

• A Founders Financial Responsibility Bond Application must be completed to apply for a FR Bond.

Founders will sweep your agency’s premium trust account for the down payment, including applicable fees, for uploaded applications. You may also enter the insured’s credit card or ACH information. Sweep transactions returned for Non-Sufficient Funds (“NSF”) from your agency’s premium trust account may result in withdrawal of your agency sweep privileges.

The Producer is responsible for providing responses to all underwriting requests for additional information. If not acted upon within fifteen (15) calendar days from the date of request, the policy may be subject to cancellation.

Policy Term Policies and FR Bonds may be written for a six- or twelve-month term.

Binding Authority Qualifying risks will be bound at the time and date on which the application is completed in full, signed by the producer and the applicant, and the required premium is paid by the applicant. Backdated coverage is not acceptable. If coverage is backdated, an E&O claim may result.

Applications must be submitted electronically and will be bound as of the date and time of upload when: 1. The application and all applicable documents are complete and signed where required by the applicant and

by you; 2. The down payment has been made on the date of application; 3. The effective date is no earlier than the date upon which the producer received the down payment and the

application is completed and signed by the applicant and by you.

GENERAL GUIDELINES


4. The application does not include any class of risk or type of insurance not specified in the underwriting requirements; and

5. The information contained within the application is, to the producer’s knowledge, truthful and accurate.

The application is part of the policy contract and must be fully completed. By signing, the applicant is agreeing that the information contained in the application is accurate.

Incomplete applications may result in the policy being rejected or rated differently than submitted. You do not have authority to issue policy declarations pages, endorsements or cancellation notices unless specifically authorized by the Company. Severe Weather Restrictions Binding authority for physical damage coverage is suspended during a weather-related watch or warning. During the watch or warning, an agent may not bind any new risk for physical damage or add a vehicle for physical damage to an existing policy. Deductibles cannot be lowered or physical damage added to any existing liability-only vehicle.

Twenty-four hours after the watch or warning is lifted, binding authority is reinstated. For forty-eight hours after the watch or warning is lifted, the agent must personally inspect all proposed risks to ensure that no loss has taken place. The agent should note on the application that an inspection was made on all vehicles. The agent should inspect all vehicles prior to reinstating or rewriting a canceled policy and complete and retain a vehicle inspection form for all vehicles.

Fraud and Misrepresentation All statements made by the Applicant are deemed to be representations. If any representation contained in the application is false, misleading, or materially affects the acceptance or rating of the risk, by either direct misrepresentation, omission, concealment of facts or incorrect statements, the policy will be null and void from its inception.

If any representation contained in any notification of change is false, misleading, or materially affects the acceptance or rating of the risk, by either direct misrepresentation, omission, concealment of facts or incorrect statements, the policy will be null and void as of the effective date of the change.

This shall also apply to misstatement of use and omission of fact. We will not provide coverage for any insured who has made fraudulent statements or engaged in fraudulent conduct in connection with any accident or loss for which coverage is sought under the policy.

File Maintenance and Audit Requirements New Business Please remember to obtain all necessary signatures and documents when you complete a new business application or make policy changes, and retain them in your files. According to the Producer’s Agreement, you are responsible for producing all correctly completed signature forms/proof documents upon our request. Documents should be retained for 7 years from the expiration date of the policy, or in accordance with state regulatory guidelines, whichever is longer.

Should a claim arise and requested documents are not available, an E&O exposure may exist. Your Producer Agreement also contains other information regarding retention of policy documents. Acquired Business If you acquire a Founders policyholder either through a producer of record change or through the transfer or purchase of another agency’s book of business, you must immediately obtain from the prior producer or agency all original signed applications (including exclusions and rejections of optional coverages) and all other records relating to that policy. Such records must be maintained in accordance with the terms of your Producer Agreement and all applicable laws. If attempts to obtain records from the prior agency prove unsuccessful, then you must obtain signed forms directly from the policyholder.

These documents include, but are not limited to: 1. Original signed application.

GENERAL GUIDELINES


2. SR-22 Filings. 3. Signed Exclusion Form listing all persons excluded from coverage. 4. Verification of Safe Driver Course to qualify for the Senior Operator discount. 5. Proof of not-at-fault accidents when required. Refer to Section 5. Violations / Accident Determination for

additional information. 6. Proof of homeownership for Homeowner discount when required. 7. Proof of prior insurance or prior insurance coverage exception eligibility, when required. Refer to Section

5. Prior Insurance Factor for additional information. 8. Pre-insurance inspections and accompanying documents, including any required vehicle photos, if

applicable.

Routine Audits Routine audits may be performed on random files. You will be required to provide file documentation to a Company representative during an on-site visit or remotely. You will receive a list of required documentation that must be submitted to our office no later than two (2) days after the request. Failure to submit the documentation will result in a failed audit.

Cancellations Flat Cancellations (New Business) Flat cancellations are permitted after inception of a policy only in the following situations:

1. The vehicle is returned to the dealer within 10 business days after date of purchase. 2. There is duplicate insurance effective on or before the effective date of the Founders policy. Proof is

required. 3. The applicant never had possession of the vehicle. Proof is required. 4. The customer’s down payment is paid by a check, electronic funds transfer, credit card or any other form

of payment that is not honored by the issuing financial institution for any reason. Insured’s Request Cancellation requested by the insured requires either the return of the policy or submission of a written request with the reason for cancellation stated. The company will comply with the cancellation request. The effective date of the cancellation will be no earlier than the date of the fax or email, or the day following the postmark date of the request. However, for financial responsibility bonds and/or if there is an active SR-22 filing, the cancellation will be effective after statutory notice has been given unless proof is submitted that the bond and/or SR-22 filing has been placed with another carrier.

If a policy or financial responsibility bond is cancelled during its first term at the insured’s request, we will retain the greater of the new business minimum earned premium (if applicable) or the pro-rata earned premium at the time of cancellation. Refer to Section 5. New Business Minimum Earned Premium for additional information. Loss Payee We will mail a cancellation notice to the loss payee. Company Cancel Return premium will be calculated on a daily pro-rata basis from the effective date of the cancellation. This includes cancellation for nonpayment of premium. Duplicate Coverage Requests for cancellations due to duplicate coverage must be accompanied by proof showing vehicles, dates, coverage and insurance carrier. Nonpayment of Premium Cancel Cancel notices are issued prior to the effective date of cancellation. If the payment is uploaded or postmarked before the cancellation day, we will accept the payment with no lapse in coverage. If you accept a payment in your office, the payment must be uploaded or postmarked before the cancellation day. Policies with payments postmarked or

GENERAL GUIDELINES


uploaded on or after the day of cancellation may be reinstated with a lapse, subject to underwriting approval. See Reinstatements section for details.

Reinstatements As a producer, you have no authority to reinstate a policy. A policy will be reinstated only at our underwriter’s discretion with a lapse in coverage if less than 45 days from the date of cancellation. Upon approval, coverage will be effective at 12:01 am on the day following entry of the online payment, postmark if mailed, or date of payment by phone. If more than 45 days have elapsed, a new application is required and a new policy will be issued with loss of previous discounts.

Renewals A renewal offer will be mailed directly to the insured, unless we exercise our option to non-renew, approximately 30 days prior to the expiration date of the policy setting forth the renewal premium as per the expiring coverages and limits. The offer will reflect our current rates and rules in effect. A copy of the renewal offer will be sent to you.

• If payment for a renewal is not received on or before the due date of the renewal bill, the policy will expire at 12:01 am on the term expiration date.

• If payment is made within 45 days after the due date, the policy will be renewed with a lapse in coverage. Coverage will begin the day following the payment date, subject to current rates.

• If payment is made more than 45 days after the due date, a lapse in coverage will not be honored. A new application must be submitted with loss of previous discounts.

• Losses and violations that occur after the date of the renewal quote issuance and before the inception date of the renewal policy will be charged on the renewal policy.

• An updated insurance credit score will be obtained and applied to every 3rd annual Private Passenger Auto renewal policy.

• If a condition exists which warrants non-renewal of the policy, a non-renewal notice will be issued at least 30 days prior to the expiration of the in-force policy.

Endorsement Guidelines Agents are encouraged to process endorsements utilizing the Founders Agent website. Coverage can also be bound by faxed, emailed or mailed requests as of the effective date and time listed on the endorsement as long as it is within the agents binding authority. Should the binding requirements not be met, coverage will be bound upon receipt of the document either by the fax or email date or the postmark date. Agents can also process endorsements utilizing the Founders Agents website. For changes processed through the website or submitted via fax, email or mail, it is the agent’s responsibility to retain and keep all signed requests in their producer files. These documents are subject to the guidelines under Section 1. File Maintenance and Audit Requirements.

Add/Change/Delete - Website Changes Allowed • Drivers • Coverage • Address (Garage/Mailing) • Lienholder • Vehicles • Marital status • Owner to Named Non-Owner and vice versa

Do not send a copy of the endorsement if processed through the website. Copies must be kept in the producer’s office.

Prohibited Changes – Website Changes Not Allowed • Change of producer • Change to named insured • Change from an Auto policy to a Bond policy or vice versa • Increase liability limits on an SR-22 policy

GENERAL GUIDELINES


• Term dates • Payment plan • Driver age/point reduction mid-term • Adding physical damage or reducing deductible during a severe weather warning or watch

Mid-Term Changes To Insured Vehicles / Drivers If an endorsement is made to a policy that has been in effect for 90 days or less, which makes the risk ineligible for the program for any reason, we will cancel the policy. If a change is made to a policy in effective for 91 or more days which makes the risk ineligible for the program for any reason, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. Refer to Section 2. Unacceptable Risks -Midterm Changes to Insured Vehicles/Drivers and Section 4. Surcharges for additional information. Newly Acquired Vehicles

• Replacement Vehicles If a vehicle is acquired as a replacement for a scheduled vehicle, it will have the same coverage as the vehicle it replaces (exclusive of Physical Damage) as of the date it is acquired by the insured. You must notify us within 14 days of ownership and promptly pay any additional premium due for coverage to apply to accidents occurring within that time period. The replacement vehicle will have no coverage for physical damage until you notify us of the replacement vehicle and request that physical damage coverage be added. Coverage for physical damage on the replacement vehicle will begin at 12:01 am the following day after the process date of the endorsement. If the replacement vehicle is unacceptable under Ohio Auto Program rules and the endorsement adding an ineligible vehicle it is made within the first 90 days of the initial policy term, we will cancel the policy. If the replacement vehicle is added to a policy which has been in effect for 91 or more days, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. Refer to Section 2. Unacceptable Risks – Midterm Changes to Insured Vehicles / Drivers and to Section 4. Surcharges for additional information.

• Additional Vehicles If an additional vehicle (not a replacement vehicle) is purchased midterm, it will be provided the same coverages, exclusive of Physical Damage, that is provided for any vehicle currently listed in the policy Declarations as of the date it is acquired. However, until such time that you ask us in writing to insure the additional car, we will provide insurance up to the minimum set forth in the Ohio Financial Responsibility Law.

These provisions apply only if: • We insure all other vehicles owned by the insured; and • The additional vehicle is reported to us within 14 days of its legal acquisition by the insured; and • The additional premium due for this newly added additional vehicle is paid.

If the additional vehicle is reported 15 or more days after its legal acquisition, it is considered owned and uninsured from the date of acquisition. Any coverage provided for it will begin at 12:01 am the following day after the process date of the endorsement.

Please refer to the policy for additional requirements and coverage information.

Address/Territory Changes Allowed for cities/municipalities listed in the underwriting manual. If the insured relocates outside of the rating territory, the Company must be notified immediately. Refer to Section 4. Surcharges for additional information.

Excluded Operators (Personal Auto Policies Only) A completed exclusion form with the insured’s signature is required prior to excluding any operator. The signed exclusion must be retained by the producer in accordance with Section 1. File Maintenance and Audit Requirements.

GENERAL GUIDELINES


Totaled Vehicles For vehicles that are totaled due to a loss and not retained, the Company must be notified immediately of any replacement vehicle. If a vehicle is totaled and retained by the insured, the physical damage will be deleted from the vehicle effective the day after the loss date. Additional Premium and Credit Endorsements Any change that affects premium will be calculated at rates that were in effect on the term effective date. The premium will be pro-rated. We will bill for any additional premium due, however a cancellation notice is likely to generate unless a portion of the increase is submitted with the change request. We highly recommend collecting a minimum of 50% of the premium difference at the time of the endorsement. Any credit premium will be applied as equity to the policy. All additional premium policy transactions are billed directly to the insured. Credit transactions are refunded to the insured if the policy has been paid in full.

Claims Procedures The insured must immediately report all incidents of claims directly to Founders at (888) 676-4342. A report of a loss by the insured to the agent is not considered an immediate report to Founders. Direct reporting allows for quicker claims handling and relieves the producer of the time and expense of obtaining loss information. Our claims representatives are available to take new claims from 8:00 am to 6:00 pm (CT), and on Saturday from 8:00am to 12:00 pm (CT).

Producers have no authority to assign claims to an adjuster nor authorize rentals or repairs. If any questions arise, have the insured or claimant call us direct.

This procedure will avoid unnecessary delays since producers are not authorized to negotiate claim settlements or approve rentals or repairs on behalf of Founders.

ACCEPTABILITY


2. ACCEPTABILITY

Suspended, Expired, Revoked or Cancelled License Any driver with a suspended, expired, revoked or cancelled license is not eligible for coverage unless proof of financial responsibility is required to regain their license, or proof of limited driving privileges or a hardship license is submitted with the application.

Financial Responsibility Filings Private Passenger Auto policies with financial responsibility filings may only be written with minimum limits of Bodily Injury (BI) $25,000 each person / $50,000 each accident and Property Damage (PD) $25,000 each accident. All other coverages may still be elected. Named Non-Owners policies and FR Bonds may also be written with financial responsibility filings. The same BI and PD limits restriction apply.

• We will not flat cancel a bound policy where a financial responsibility filing has been made, even in the case of substantial uprates that may result from incorrect information about the driving record of the applicant.

• A non-refundable fee will be charged for each driver requiring an SR-22 filing per policy term. For an SR-22 added mid-term, the full SR-22 fee will be charged at once. Refer to Section 6. Fees for additional information.

• All filings are submitted electronically. • Filings will only be provided for drivers licensed in the States of Ohio, Indiana, Illinois, and Wisconsin. If an

Illinois SR-22 filing is requested, the policy must be written on a 12-month policy term. • All vehicles owned by the driver requiring the filing must be insured on the Founders policy (not applicable

to FR Bonds and Named Non-Owner policies). • The name on the filing must appear exactly as it reads on the driver’s license.

VIN (Vehicle Identification Number) Please verify the VIN against registration or vehicle plate and enter it accurately on the application.

Driver’s Licenses To be eligible for this program, the following types of licenses are acceptable:

• Valid driver’s license; or • Suspended, revoked, expired or cancelled driver’s license when seeking to regain a valid license through a

financial responsibility filing; or • International/foreign driver’s license (if never licensed in the United States); or • Learner’s permit; or • Probationary license; or • Temporary license; or • Interim license.

We will verify the license status of a driver. If the initial license status was suspended, expired, revoked or cancelled, we will verify that the status of that license has returned to valid through a MVR which will be ordered prior to the next policy renewal. If the driver’s license has not returned to a valid status, the policy will be non-renewed and an SR-26 Financial Responsibility Notice of Cancellation will be sent to the state advising them to terminate the SR-22 filing as of end of the current policy term. Refer to Section 2. Unacceptable Applicants/Drivers for more information regarding driver eligibility. Driver’s licenses from the following states are unacceptable: New York, New Jersey, and Michigan. Learner’s Permits Learner’s permit drivers ages 15, 16, and 17 will be rated according to their assigned class factor. Drivers age 18 and older who are learner’s permit drivers or who have held a valid driver’s license for less than one year will be rated

ACCEPTABILITY


according to their assigned class factor and an additional inexperienced driver surcharge will also apply. Refer to Section 4. Points for more information regarding inexperienced drivers. International/Foreign Licenses Driver’s Licenses (If Never Licensed in the United States) Drivers with an international/foreign driver’s license (if never licensed in the United States) are acceptable, subject to a rate surcharge. Refer to Section 4. Points for additional information. The rate surcharge applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License. Out of State Driver’s Licenses

• Valid driver’s licenses from Ohio, Illinois, Indiana and Wisconsin are acceptable. • Driver’s licenses from New York, New Jersey and Michigan are not acceptable. • Valid out-of-state licenses from states other than those listed above are acceptable, subject to a rate

surcharge. Refer to Section 4. Points for additional information. The rate surcharge applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License.

Suspended / Expired / Revoked / Cancelled Driver’s Licenses Drivers with suspended, expired, revoked or cancelled licenses are unacceptable, unless they are seeking to regain their license through a financial responsibility filing. Drivers with permanently revoked licenses are unacceptable.

Driver Exclusions (Personal Auto Policies) A signed driver’s exclusion form is required on all persons of legal driving age living in the household who are not being listed as drivers on the policy. A completed exclusion form with the insured’s signature is required prior to excluding any operator. It is not acceptable to exclude a named insured.

The exclusion may be withdrawn upon a signed request by the named insured. The request must include all necessary driving information on the excluded driver, including date of birth and driver’s license number. Signed driver exclusion forms must be retained by the producer in accordance with Section 1. File Maintenance and Audit Requirements.

Any non-licensed household member or non-rated driver age 15 and older must be listed and excluded. Operators with a suspended, revoked, expired or cancelled license must be excluded unless proof of financial responsibility is required to regain their license.

Medical Certification Requirements 1. For new business, a physician’s statement is required for all drivers age 70 and older. 2. A physician’s statement may be required for drivers age 76 and older as a condition for renewal. 3. A physician’s statement is required for any driver of any age who is physically1 or mentally impaired and/or

a driver that requires a specially equipped vehicle.

A physical examination is not required. The physician’s statement must be provided no later than 15 days after the policy effective date, the date that the driver is added to the policy, or when requested by Founders.

Listed Operators / Non-Licensed Household Residents (Personal Auto Policies) We must be notified of the following:

Rated Drivers All drivers, regardless of age, who operate the insured vehicle(s) on a regular basis even if they reside outside the named insured’s household. A regular and frequent operator is an operator who drives or anticipates driving a listed vehicle either 52 days or more in a calendar year or an average of one day a week or more during the policy period. Failure to report all regular and frequent operators to the Company may constitute material misrepresentation of

1 Physical impairments include, but are not limited to: epilepsy; stroke; heart attack; diabetes; cerebral palsy; loss of an eye; or loss of a limb.

ACCEPTABILITY


risk resulting in denial of coverage. All members of the household age 15 and older, regardless of whether they are a “regular and frequent” operator, must be rated or excluded on the application or when reported within 14 days of becoming a household resident. Permit drivers should be listed as a driver and rated. Students living away at school must be listed and rated if they meet the definition of a “regular and frequent” operator. Household residents who have their own auto insurance do not need to be disclosed/reported to Founders. Underage Household Residents / Non-Licensed Household Residents All unlicensed persons age 15 and older who reside in the named insured’s household must be listed and excluded on the application. The insured must notify Founders within 14 days of any person who becomes a household resident, or is a current resident who reaches the age of 15 after the date of application. The insured must notify Founders when an underage household resident or non-licensed household resident obtains a learner’s permit and again when that individual obtains a permanent driver's license.

The policy may be rescinded or coverage may be denied if an undisclosed driver is operating an insured vehicle at the time of an accident. Unacceptable Risks - All Coverages Unacceptable Applicants/Drivers

1. Personal Auto policies only - Any applicant or operator with more than 15 major, minor, alcohol/drug or at-fault accident points. (Refer to Section 4. DISCOUNTS, POINTS AND SURCHARGES.)

2. FR Bonds only - Any applicant with more than 10 major, minor, alcohol/drug or at-fault accident points. (Refer to Section 4. DISCOUNTS, POINTS AND SURCHARGES.)

3. Operators without: • A valid driver’s license (except a driver with a suspended, revoked, expired or cancelled driver’s license

status seeking to regain his license through a financial responsibility filing); or • An international/foreign driver’s license (if never licensed in the United States); or • A learner’s permit; or • A probationary driver’s license; or • A temporary driver’s license; or • An interim driver’s license.

4. Drivers with licenses issued in New York, New Jersey, and Michigan. 5. Any applicant with more than two major violations, or more than two at fault accidents, or more major

violations and at fault accidents than a combination of one major violation and one at fault accident, or of more than one alcohol related conviction in the past 36 months. Refer to Section 5. Violation/Accident Determination for additional information.

6. Drivers with any violations that include: a. Vehicular assault; or b. Vehicular or Aggravated Vehicular Homicide; or c. Vehicular Manslaughter; or d. Aggravated Vehicular Manslaughter or Homicide With Alcohol; or e. Felony Involving Use of a Motor Vehicle.

7. Operators under the minimum age for state licensing, except those with a temporary permit. 8. Policies where an operator has a permanently suspended or revoked license, unless that operator is

excluded from coverage. 9. Operators (other than the named insured) with a suspended, expired, revoked or cancelled license must be

excluded unless proof of financial responsibility is required to regain their license. Refer to Section 2. Driver Exclusions for additional information.

10. SR-22 filing(s) in states other than Ohio, Illinois, Indiana and Wisconsin.

ACCEPTABILITY


11. Any driver who is physically or mentally impaired1 and/or a person that requires a specially equipped vehicle unless a written physician’s statement is provided. Refer to Section 2. Medical Certification Requirements for additional information.

12. Applicants/named insureds who are not living in Ohio (or stationed in Ohio, if Military) at least 10 months out of the year.

13. FR Bonds and Named Non-Owner policies only - Drivers who work as driver employees or independent contract drivers for vehicle transportation network companies (TNCs) such as Uber, Lyft, etc.

14. Persons who have had a policy canceled by Founders for loss experience or misrepresentation. 15. Applicants who have been convicted of insurance fraud. 16. Persons employed in illegal enterprises and occupations. 17. Students with vehicles not garaged at the same location as the named insured. 18. Individual who is nationally or locally well known to a large segment of the population. 19. Named insured(s) who have never been licensed (except a non-licensed spouse). 20. Applicants without a telephone number where they can be reached.

Unacceptable Vehicles 1. Vehicles not garaged in Ohio. All insured vehicles must be garaged at the same physical address.

Addresses for P.O. Boxes or similar centralized mail pick up facilities are not acceptable for a vehicle garaging address.

2. Vehicles not owned or leased by: • The named insured; or • A single-member Limited Liability Corporation (LLC) owned by the named insured; or other listed

operators (rated or excluded). 3. Vehicles owned by a business organization, corporation, partnership, all other types of Limited Liability

Corporation (LLC), etc. 4. Any vehicle that is rented or leased for a period of less than 12 months. 5. Additional interest endorsements are not allowed, except for leased vehicles. 6. Vehicles that are registered/titled as any of the following types: antique; assembled; collector; classic;

custom; historic; hobbyist; livery; specially constructed; or street rod. 7. Any vehicles that are regularly available to non-listed driver(s). 8. Emergency vehicles/racing vehicles/show vehicles. 9. Automobiles used full- or part-time in any type of wholesale or retail delivery, including pizza, magazines,

newspapers, mail or packages. 10. Any vehicles used in an applicant’s occupation for hauling materials (other than tools), and hauling for hire. 11. Vehicles used commercially2, unless meeting eligibility requirements for business use. Please refer to

Section 3. Business Use for further detail regarding acceptable business use of insured vehicles and to Section 4. Points for information regarding business use rating.

12. Permissive use of an insured vehicle for business purposes. 13. Commercial vehicle types such as a Step Van, Panel Truck, Cutaway Van, Dump Truck, and/or Wide Load

Escort Vehicle. 14. Vehicles equipped and/or used for snow plowing. 15. Vehicles transporting explosives, chemicals, radioactive materials or flammable substances. 16. Vehicles used for public/private livery (including a vehicle transportation network company (TNC) such as

Uber, Lyft, etc.) or taxi service including vehicles used to transport nursery or school children, migrant workers, or hotel or motel guests, or vehicles used in religious, charitable, or social work to transport church members, the elderly, sick or disabled persons.

A limited exception to this program eligibility exclusion may be allowed for up to a maximum of two (2) listed operators who are using an insured vehicle while engaged as an authorized TNC driver. Refer to


2 Commercial use of a vehicle includes permissive use of an insured vehicle by a 3rd party in exchange for compensation.

ACCEPTABILITY


Section 3. Limited Transportation Network Driver Coverage (No Passenger) for details regarding both eligibility requirements and the scope of coverage available to eligible listed operators.

17. Vehicles used in car sharing programs.1 18. Vehicles leased or rented to other drivers by the applicant. 19. Trucks and vans considered “heavy duty” (over 9,800 lbs. GVW), such as the Ford F350 or E350 and their

equivalents from any other manufacturer are unacceptable for any type of vehicle usage. 20. Propane powered vehicles. 21. Neighborhood Electric Vehicles.2 22. Vehicles not registered for street use. Examples include dune buggies, kit cars, golf carts and ATVs. 23. Vehicles which are not roadworthy. 24. Salvaged vehicles, unless the vehicle has been rebuilt and properly certified with the Ohio Department of

Motor Vehicles. 25. Gray market vehicles.3 26. Vehicles with more or less than four wheels. 27. Vehicles equipped with altered suspensions. “Altered” is defined as homemade, custom-built, or modified,

and includes lift kits greater than four (4) inches (usually installed on off-road vehicles or street rods). 28. Vehicles modified from factory specifications for use. This includes, but is not limited to, stretch

limousines. 29. Any vehicle used as a motorized home. 30. Recreational vehicles and campers. 31. Vehicles equipped with cooking equipment or bathrooms.

Unacceptable Vehicles - Physical Damage The following vehicles are unacceptable for Physical Damage:

1. All vehicles/usage listed as unacceptable for all coverages. 2. Physical Damage coverage on any auto over fifteen (15) years old, or less than fifteen (15) years old when

the applicant feels the value of the vehicle exceeds the value of vehicles of similar type and condition. 3. Custom cars, including any vehicle that has been modified from its original factory designed specifications. 4. Vehicles with an ISO symbol greater than 22 (1990-2010 model years), or greater than 49 (2011+ model

years). 5. Vehicles no longer in production or where parts availability is limited. 6. Stated-value policies. 7. Trailers of any kind. 8. Conversion vehicles (vans, pickups or utility vehicles). 9. Aluminum or composite body. 10. Salvaged or rebuilt vehicles. 11. Physical damage only policies.

1 Participants in car sharing programs are paid a fee in exchange for providing permissive use of an insured vehicle by an unrelated 3rd party.

2 Neighborhood Electric Vehicles (NEVs) are battery electric vehicles that are usually built to have a top speed of 25 miles per hour, and have a maximum loaded weight of 3,000 lbs. Examples include the Polaris GEM and all vehicle models from Cart-Rite.

3 A Gray Market Vehicle is a vehicle that is normally sold in the United States with an express written warranty, but has been imported through a channel other than a manufacturer’s authorized distributor, and therefore does not have an express warranty that is valid in the United States.

ACCEPTABILITY


Unacceptable Vehicles – Physical Damage – Specific Makes/Models

Unacceptable Risks – Midterm Changes to Insured Vehicles / Drivers If an endorsement is made to a policy that has been in effect for 90 days or less, which makes the risk ineligible for the program for any reason, we will cancel the policy. If changes are reported and/or an endorsement is made to a policy that has been in effect for 91 or more days which make the risk ineligible for the Ohio Auto Program & Financial Responsibility Bond Program for any reason, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. In addition, the policy may be subject to a midterm rate surcharge. Refer to Section 4. DISCOUNTS, POINTS AND SURCHARGES for additional information.

Make Models Make Models Alfa Romeo All Models Lancer All Models ARO All Models Lancia All Models Aston Martin All Models Lotus All Models Austin Healy All Models Maserati All Models Avanti All Models Maybeck All Models Bentley All Models Mercedes B Electric BMW I3 Electric Mitsubishi I-Miev Bugatti All Models Nissan/Datsun 280 ZX, 300 ZX, Z, 300 ZX Turbo, 350 Z, 370 Z, Leaf Cadillac Escalade Peugeot All Models Chevrolet Bolt EV LT, Bolt EV Premier,

Corvette, Spark EV, Spark EV 2LT Plymouth Prowler

Chrysler Maserati TC, Prowler Porsche All Models Daihatsu All Models Puma All Models DeLorean All Models Renault All Models Dodge Viper Rolls Royce All Models Duesenberg All Models Shelby All Models Excalibur All Models Smartcar Fortwo Electric Drive Ferrari All Models Sterling All Models Fiat Spider, 500 E Suzuki All Models Ford Focus Electric, Think Tesla All Models Honda Fit EV Toyota Supra, Rav4 EV Hummer All Models Triumph All Models Jaguar All Models TVR All Models Kit All Models Volkswagen G 60 Vanagon, E-Golf Lamborghini All Models

COVERAGE INFORMATION


3. COVERAGE INFORMATION

Following is information regarding coverage available under the Founders Ohio Auto Program & Financial Responsibility Bond Program. Unless otherwise described below, rates for these coverages are located in the Ohio Auto and Ohio FR Bond Rates pages.

BI/PD Ohio minimum financial responsibility limits for Bodily Injury are $25,000/$50,000 and $25,000 for Property Damage.

Coverage Limits Options

BI $25,000/$50,000 $50,000/$100,000 $100,000/$300,000

PD $25,000 $50,000

Limits must be the same on each vehicle of a multi-car risk.

Policies with any drivers requiring a SR-22 filing can only be written with BI and PD limits of 25/50/25. Refer to Section 2. Financial Responsibility Filings rule. Increased BI/PD Limits Requirements To be eligible for 100/300/50 limits, the risk must qualify under all of the following rules:

1. Within the prior 36-month period, no listed driver may have: • Any major violations; or • Any at-fault accidents; or • 6 or more violation points for all other types of moving violations. Refer to Section 4. Points for additional information.

2. The named insured must be 24 years of age or older. 3. Drivers must have a verifiable MVR from an acceptable state.

UM/UIM Bodily Injury Uninsured and Underinsured Motorist Bodily Injury Coverages are optionally available. UM/BI and UIM/BI Coverage Requirements By completing the UM/UIM/BI coverage section of the application, the insured may:

1. Select UM/UIM/BI limits equal to or lower than those of Bodily Injury Liability (higher limits may not be selected). BI limits availability is subject to Increased Limits Requirements defined under Section 3. BI/PD and Section 2. Financial Responsibility Filings.

2. If the minimum bodily injury limits of 25/50 are selected, the insured may only elect Uninsured Motorist coverage (UM) limits of 12.5/25 or 25/50. Underinsured Motorist coverage (UIM) is not available.

3. UIM/BI limit (when available) must be selected at the same limit as selected UM/BI limit. 4. The limits selected for BI, UM/BI and UIM BI must be equal on each car of a multi-car risk.



Limits Options The following charts displays available limits pairings for UM/BI and UIM/BI Coverage, based upon the policy Bodily Injury (BI) limit.

Bodily Injury (BI) Limits Available Uninsured Motorist (UM/BI) Limits

Available Underinsured Motorists (UIM/BI) Limits

25/50 No UM/BI desired UIM/BI not available 25/50 12.5/25 UIM/BI not available 25/50 25/50 UIM/BI not available

Bodily Injury (BI) Limits Available Uninsured Motorist (UM/BI)

Limits Available Underinsured Motorists

(UIM/BI) Limits 50/100 No UM/BI desired UIM/BI not available 50/100 12.5/25 UIM/BI not available 50/100 25/50 UIM/BI not available 50/100 50/100 50/100

Bodily Injury (BI) Limits Available Uninsured Motorist (UM/BI)

Limits Available Underinsured Motorists

(UIM/BI) Limits 100/300 No UM/BI desired UIM/BI not available

100/300 12.5/50 UIM/BI not available 100/300 25/50 UIM/BI not available 100/300 50/100 50/100 100/300 100/300 100/300

UM/PD Uninsured Motorists/Property Damage coverage of $7,500 is optional. UM/PD Coverage Requirements

1. UM/PD is not available without UM/BI. 2. UM/PD is applicable for all vehicles written with liability coverage only on a multi-car risk. 3. UM/PD coverage is not available on cars with Collision coverage.

Medical Payments Limits Options $500 $1,000 $2,000 $5,000

Excess Medical Payments coverage is provided on a per-person basis. Limits must be the same on each vehicle of a multi-car risk.

Comprehensive/Collision Available Deductibles

$250 $500 $1,000

1. On multi-car policies, all vehicles do not have to have physical damage. 2. Comprehensive and Collision must be purchased together. These coverages are available only when BI/PD

has been purchased; physical damage coverage only is not acceptable. 3. Comprehensive and Collision deductibles may be different per vehicle.



Add-On Equipment Coverage Rule Physical Damage coverage, when included, is provided for standard or optional equipment which is or was available from the manufacturer for the make, model and model year of the vehicle, but does not include any conversions or any equipment that is listed below.

The applicable rates for Comprehensive and Collison coverage in this program are calculated to exclude all add-on equipment defined as follows:

1. CB radios, antennas and accessories. 2. All tape players and CD players and accessories. 3. Camper, pick-up tops and shells. 4. Utility trucks. 5. Any sun roof, moon roof, I- or T-bar roof, Landau roof, bubble dome, bubble window, or other deluxe roof

treatment. 6. Any swivel chairs, captain seats, appliances, furniture, special carpeting, paneling or other equipment or

accessories which modify the use or appearance of the interior of the vehicle. 7. Any two-tone or custom paint work. 8. Customized or rebuilt bodywork (custom paint, murals, smoked glass, mirrors, decals, special tires, chrome,

reverse chrome, alloy, aluminum or magnesium wheels or wheel covers, etc.). 9. Customized or rebuilt engine work (turbochargers, chrome engine accessories, racing slicks, tachometers

or pressure gauges, etc.). 10. Any non-factory installed equipment used to either mechanically or structurally modify the automobile

which results in an increase in performance or a change in appearance.

Note: Physical Damage coverage is not available for any car telephone equipment, televisions, radar detectors or home high fidelity equipment.

Towing and Labor Limits Offered

• $50 limit per occurrence • $75 limit per occurrence

Optional Towing and Labor coverage is available only when Comprehensive and Collision coverages have been purchased. Coverage is limited to one occurrence per 6-month policy period or two occurrences per 12-month policy period.

Emergency Roadside Assistance Optional Emergency Roadside Assistance coverage, which includes 24/7, 365-day dispatch services, is available for all policies. Services include the following:

• Towing up to 25 miles to the nearest servicing facility or location of the insured person’s choice; • Mechanical first aid at the location of disablement; • Lock-out service; • Emergency delivery of supplies; • Tire changing service; • Emergency battery service; • Extrication and winching; and • Other typical roadside assistance services, as described in the provider materials.

Covered services may be accessed up to five (5) times in a 12-month policy term, or up to three (3) times in a 6-month policy term.

Coverage is not available for FR Bonds.



Rental/Transportation Expenses Limits Offered • $25 per day, subject to a 15-day maximum of $375 • $30 per day, subject to a 20-day maximum of $600

The rental allowance is provided when a vehicle must be rented due to covered Comprehensive or Collision loss to an insured vehicle. In the event of a covered loss, Liability and Physical Damage on an insured car will extend to a rented car, if it is a temporary substitute car.

Optional Rental/Transportation Expenses coverage is available only when Comprehensive and Collision coverages have been purchased.

Named Non-Owner Policy Named operator policies provide excess liability protection for the named insured (and his or her spouse, if a resident of same household as the named insured) while driving non-owned private passenger autos. There is no coverage afforded for any other person. Named Non-Owner policies are not available if any household resident has regular access to a vehicle or if the insured operates a vehicle used for commercial purposes.

• Coverage includes Bodily Injury and Property Damage. The following coverages are also available: o UM/BI (Refer to Section 3. UM/UIM/Bodily Injury for additional information regarding available

limits.) o Medical Payments o Legal Expense

• Limits available for Named Non-Owner Policies: o $25,000/$50,000 for Bodily Injury and $25,000 for Property Damage o $50,000/$100,000 for Bodily Injury and $50,000 for Property Damage

• Financial responsibility filings are acceptable. If a FR filing is required, minimum limits of 25/50/25 must be elected.

• Business/Artisan use of a non-owned vehicle is not acceptable, including public/private livery. A named insured or their spouse who work as driver employees or independent contract drivers for vehicle transportation network companies (TNCs) such as Uber, Lyft, etc. are not acceptable for a Named Non-Owner Policy. Refer to Section 2. Unacceptable Risks – All Coverages.

• The following coverages are not available under a Named Non-Owner Policy: o UIM/BI o UM/PD o Comprehensive/Collision o Towing o Rental/Transportation o Limited Transportation Network Driver Coverage o Accidental Death o Basic Tenant Personal Property and Liability Enhancement Endorsement

Liability Only Policies A premium discount will be applied to Bodily Injury and Property Damage coverages on policies for which all vehicles are only provided liability coverage. The applicable discount factor is located in the Ohio Private Passenger Auto Rates pages. Policies providing Non-Owner liability insurance to applicants/insureds who do not own or have regular use of a vehicle are not eligible for this premium discount factor.

Financial Responsibility Bond FR Bonds are designed for individuals age 16 or older who wish to purchase only the minimum coverage to comply with Ohio’s financial responsibility law, such as to make a financial responsibility filing with the BMV. A bond provides no coverage for any driver other than the principal. A bond provides only liability coverage for limits of 25/50/25. It



does not provide higher limits or additional coverages such as Medical Payments, UM, UIM or Physical Damage. Refer to Section 2. Driver’s Licenses for licensing requirements information.

Any principal driver who is physically or mentally impaired1 and/or a principal driver that requires a specially equipped vehicle must provide medical certification of ability to safely operate a motor vehicle. Refer to Section 2. Medical Certification Requirements.

Business or commercial use is unacceptable for a bond unless the principal can supply evidence of underlying insurance. If the underlying insurance is canceled, the bond will be canceled effective the same day. Drivers who work as driver employees or independent contract drivers for vehicle transportation network companies (TNCs) such as Uber, Lyft, etc. are not acceptable.

Limited Transportation Network Driver Coverage (No Passenger) Transportation network or rideshare companies (TNCs) are organizations that provide an online-enabled application or digital network to connect passengers with drivers using the insured’s owned vehicle(s) to provide prearranged transportation services for compensation.

Claims arising out of the use of an insured vehicle by an operator participating as a transportation network company driver are specifically excluded under our policy and TNC vehicle use is ineligible under the Ohio Auto Program vehicle eligibility rules unless each of the following conditions are met:

1. The Limited Transportation Network Driver Coverage (No Passenger) endorsement is attached to the policy, which identifies the TNC driver(s).

2. No more than two listed drivers/regular operators of the insured vehicles are TNC drivers. TNC drivers must have a valid Ohio driver’s license.

3. The Named Insured cannot provide insured vehicles to the listed TNC drivers as part of a commercial arrangements such as a lease, fee-based arrangement or similar. This is considered a commercial use of an insured vehicle, which is ineligible not only for this optional coverage but also is unacceptable for any coverage under the Ohio Auto Program. Refer to Section 2. Unacceptable Risks – All Coverages.

Applicants/insureds, listed drivers and their vehicles are not eligible for the Ohio Auto Program if any operator is engaged as a TNC driver unless they qualify for and purchase the Limited Transportation Network Driver Coverage (No Passenger) endorsement.

The Limited Transportation Network Driver Coverage (No Passenger) endorsement modifies the public or private livery use exclusions applicable to BI, PD, UM, UIM, Medical Payments and physical damage allowing coverage for the period of time from when the TNC driver identified in the endorsement logs into a “transportation network platform” up until the that TNC driver accepts a request through the “transportation network platform” to transport a passenger. (This period is commonly referred to as “TNC Insurance Coverage Period 1.”) This modified policy exclusion only applies to the driver(s) identified in the endorsement.

Refer to the Ohio Private Passenger Auto Rates pages for information regarding the additional premium charge for this endorsement.

Coverage is not available for FR Bonds or Named Non-Owner policies.

Business Use Applies to a very limited segment of business use when the vehicle is required by or is customarily used in the duties of the insured and is used exclusively by the insured while operating the auto in their occupation, profession, or business, other than farming/ranching or going to/from their principal place of employment. Typical examples of allowable business use would be outside salespeople, realtors, etc. Vehicles used by tradesmen are acceptable if they are used to transport the insured’s tools, equipment and incidental supplies to and from a job location, provided that the vehicle is principally parked at the job location for most of the working day, and it is not moved from site to




site. Use of an owned auto by a 3rd party (whether a listed driver or permissive user) in exchange for any type of a lease, fee-based arrangement or similar is an unacceptable commercial use under the Ohio Auto Program.

Most types of commercial use of a vehicle are unacceptable and are not eligible for any coverage in the Ohio Auto Program. Refer to Section 2. Unacceptable Risks – All Coverages.

Additional interest endorsements are not allowed, except for leased vehicles. Please refer to Section 4. Points for information regarding the business use rating points.

Legal Expense Founders Insurance Company will reimburse the named insured, up to $1,000, for attorney’s fees and expenses incurred by the named insured for services rendered by an attorney to defend the named insured against citation(s) alleging a moving violation.

The insured will select an attorney of his/her choice. Founders Insurance Company will not select/provide an attorney - we will only reimburse for eligible expenses up to a $1,000 per term maximum.

Proof of loss must include a copy of the citation(s) and a copy of any bills or invoices incurred by the named insured for services rendered by his or her attorney to defend the named insured against citation(s) alleging a moving violation while driving an owned automobile.

Coverage is not available for FR Bonds.

Accidental Death Founders Insurance Company will pay to the estate of the named insured the sum of $5,000 for death of the named insured occurring within ninety (90) days of, and resulting from, accidental bodily injuries sustained by the named insured as a result of operating, driving, or riding in his owned automobile.

Written proof of loss must be given to Founders within ninety (90) days of death. Failure to furnish such proof within the time required shall invalidate any claim if it was reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the case of legal incapacity, later than one year from the time proof is otherwise required.

Coverage is not available for FR Bonds or Named Non-Owner policies.

Basic Tenant Personal Property and Liability Enhancement Coverage Coverage under this optional endorsement is for both Personal Property and Personal Liability associated with the insured’s non-owned residence premises. This coverage pays up to $10,000 for loss or damage to personal property from named perils (sublimits apply) and up to $15,000 for personal liability for defined bodily injury and property damage occurring during the policy period. A $500 deductible will apply to a personal property loss unless the loss is caused by burglary, theft or robbery, in which case a deductible of $1,000 will apply.

Please note that this endorsement is not a comprehensive renters insurance policy. Founders does offer this type of policy under its Ohio HOME 4 Renters Program.

Coverage is not available for Named Non-Owner policies or FR Bonds.

DISCOUNTS, POINTS AND SURCHARGES


4. DISCOUNTS, POINTS AND SURCHARGES Except where noted, discounts, points and surcharges apply to Bodily Injury, Property Damage, Comprehensive and Collision premiums and are applied as described in this section. Discounts, points and surcharges shown do not apply to the premiums for Medical Payments, Uninsured Motorist (UM/BI; UM/PD), Underinsured Motorist (UIM/BI) or for the optional coverages for Limited Transportation Network Driver Coverage, Legal Expense, Accidental Death, Towing and Labor, Rental/Transportation Expenses, and Basic Tenant Personal Property and Liability Enhancement Coverage.

Maximum Discount Amounts Discounts and points are additive prior to calculating the rate. The total combined sum of the discounts and points is subject to the maximum discount.

• The maximum discount allowable for any personal auto policy other than a Named Non-Owner Policy is 40%. This maximum discount amount does not include the Liability Only discount described under Section 3. Liability Only Policies.

• The maximum discount for a Named Non-Owner policy is 58%. • The maximum discount for a FR Bond is 8%.

Discounts Discount Name Discount Details Multi-Car Discount1 25.0% Available on all multi-car policies. Discount applies to premiums for

all vehicles on the policy. Homeowners Discount1 10.0% Discount will be given on a policy that meets the following criteria:

1. The named insured must own and reside in a one-, two-, three- or four-family home or condominium. Mobile home, commercial, investment or vacation property ownership will not qualify for this discount. Renters do not qualify for the discount.

2. A copy of the current declarations page for the homeowner’s policy (HO1, HO2, HO3, HO5, HO6 or HO8) must be obtained by the producer and retained in the agency file.

3. The insured’s name and property address on the homeowner’s policy must be the same as the insured’s name and mailing address on our policy.

Paid in Full Discount Applies to all programs

8.0% Applicable for any direct bill policy where the premium is paid in full at inception by the applicant/insured.

Senior Operator Discount1 (Over Age 55/Defensive Driver Course Completed)

5.0% Discount will apply to a vehicle when the rated operator is: • 55 years old or older; and • has held a valid driver’s license for at least 1 year; and • has completed a BMV approved defensive driving course within

the previous 3-year period. Proof of course completion must be obtained by the producer and retained in the agency file.

1 Not applicable to FR Bonds or Named Non-Owner policies.



Discount Name Discount Details Accident Free Renewal Discount (FIC Renewals Only)1

Available at renewals if there have been no at-fault accidents resulting in a claim paid or payable under our policy based on the following:

3.0% At 6-month renewal 6.0% At 12- month renewal

A maximum 30-day lapse in coverage is allowed. In the event an insured has an at-fault accident under our personal auto policy, these discounts will not be available until the insured has been loss free for a minimum of twelve (12) months. Refer to Section 5. Violation/Accident Determination for the definition of not-at-fault (NAF) accidents.

Advance Purchase Discount2 (Private Passenger Auto Only)

Varies2 Applied to private passenger auto policies written as new business effective on or after 02/13/2019.

If the Company quote is initiated by the customer in advance of the policy effective date as set forth in the corresponding rate factor pages. The discount amount varies, based on the date when the new business applicant quote process begins and the purchase transaction is completed in relation to the policy effective date. The discount amount applicable to the first policy term shall apply to all subsequent renewals.

In order to be eligible for the discount, the customer must have acceptable proof of prior insurance with no lapse in coverage. Refer to Section 5. Prior Insurance Factor for additional information.

Named Non-Owner 50.0% Applies to all Named Non-Owner policies. Applicant cannot have regular use of vehicle to qualify. This discount is applied to the Bodily Injury and Property Damage premium only.

1 Not applicable to FR Bonds or Named Non-Owner policies. 2 Refer to the Ohio Private Passenger Auto Rates pages for the discount amounts.

Points Points are assigned as described below. The rating period for points attributable to at-fault accidents and/or violations is 36 months. Refer to the Ohio Auto Private Passenger Rates and Ohio FR Bond Rates pages for the applicable rate factor associated with total points.

Point Assignment - Personal Auto and FR Bond Points DUI

For DUI, DWI, Implied Consent, Refusal of Test, Illegal Transport, or any other alcohol or drug related occurrence.

One DUI 5 Each additional DUI 10 Major Violations

For speeding more than 30 mph over posted limit, passing a stopped school bus, railroad crossing violations, texting while driving, reckless driving, hit and run, leaving the scene of an accident, fleeing, eluding police, disregard for safety, drag racing or speed contest.

First violation 5 Each additional violation 10



Point Assignment - Personal Auto and FR Bond Points Minor Violations

For all other moving violations. First, second and third violation 1 Each additional violation 3 At-Fault Accidents

Refer to Section 5. Violation/Accident Determination for the definitions of at-fault accidents, “minor” at-fault accidents and Not-At-Fault (NAF) violations and for information on documentation required to verify accidents that are NAF or “minor” at-fault accidents. If Founders later discovers an accident involving a listed driver that the applicant/insured failed to disclose on the application, that accident will be classified as “other at-fault” and the points applied.

One “minor” at-fault accident Results in no bodily injuries and resultant total property damage of $500 or less; supporting documentation must be provided by the applicant/insured at the time of application and retained in the agency file.

1

Other at-fault accidents 5 Each additional at-fault accident 8 Financial Responsibility Filing (FR Bonds Only)

Applies when an SR-22 filing has been provided for the Financial Responsibility Bond driver.

2

Inexperienced Driver (FR Bonds Only)

FR Bond driver has a learner’s permit or has been licensed in the United States for less than 1 year (applies to age 18 and older drivers only).

4

Ineligible Risk Surcharge (FR Bonds Only)

Applies to a bond that becomes ineligible after the first 90 days, due to a change. If a requested change to a bond that has been in effect for 91 or more days makes the risk unacceptable, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. We will apply the surcharge from the effective date of the requested change until the cancellation or non-renewal. Surcharge applies only to bonds which become unacceptable due to a change; it does not apply to new business.

20

License Type (FR Bonds Only)

The points applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License.

Out of State Driver’s License (excluding IL, IN and WI) Driver’s Licenses from New York, Michigan and New Jersey are unacceptable

2

International/Foreign Driver’s License (if never licensed in the United States) 2 Business Use (FR Bonds Only)

Applies to acceptable business use occupations. Refer to Section 3. Business Use for examples.

5



Surcharges (Personal Auto Policies Only)

Surcharges are assigned as described below. Refer to the Ohio Private Passenger Rates pages for the surcharge factors.

Surcharge Description Surcharge License Type

The rate surcharge applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License.

• Valid Driver’s License (OH, IL, IN and WI) 0.0% • International/Foreign Driver’s License (if never licensed in the United States) 10.0% • Out of State Driver’s License (excluding IL, IN and WI)

Driver’s licenses from New York, Michigan and New Jersey are unacceptable 10.0%

Inexperienced Driver Driver has a learner’s permit or has been licensed in the United States for less than 1 year (applies to age 18 and older drivers only).

20.0%

Financial Responsibility Filing

Applies to each driver on a policy written with, or endorsed to add, a driver(s) for which an SR-22 filing has been provided. Applies when an SR-22 filing has been provided for a driver(s). The surcharge applies to each driver with a SR-22.

13.0%

Business Use

Applies to acceptable business use occupations. Refer for Section 3. Business Use for examples. For additional information regarding eligibility, endorsement and additional pricing for Transportation Network Company (TNC) drivers, refer to Section 3. Limited Transportation Network Driver Coverage (No Passenger).

20.0%

Ineligible Risk Applies to a policy that becomes ineligible after the first 90 days, due to a policy change. If a requested change to a policy that has been in effect for 91 or more days makes the risk unacceptable, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. We will apply a rate surcharge to the Bodily Injury, Property Damage, Comprehensive and Collision premium from the effective date of the requested change endorsement until the cancellation or non-renewal. The Ineligible Risk Surcharge applies only to current policies which become unacceptable due to a change; it does not apply to new business.

200.0%

Ineligible Midterm Replacement Vehicle – Physical Damage Applies when an unacceptable vehicle is added to the policy midterm as a replacement for a vehicle with Physical Damage Coverage. This surcharge does not apply to new business. When this occurs, the replacement vehicle will be assigned to the highest ISO physical symbol available under the Ohio Auto Program (based on the replacement vehicle’s model year), and the Comprehensive and Collision premiums for the ineligible vehicle will be subject to a rate surcharge. We will apply the surcharge from the effective date of the endorsement until the cancellation or non-renewal.

100.0%

RATING


5. RATING

Premium Determination 1. Personal Auto Policies Only - Liability and Physical Damage coverages as selected by applicant. 2. The territory is based on the ZIP code in which the vehicles are garaged. 3. The age, sex and marital status of each driver is used for the driver class. The highest rated driver will be

assigned to the highest rated vehicle. Widowed drivers will be rated the same as our married class. Refer to Section 5. Driver Class Determination rules for additional driver classification information. • MVRs are ordered on every risk for all listed drivers. Encourage the applicant to disclose their complete

driving record to avoid premium adjustments. • Driver exclusions are available at the insured’s request. (Not applicable to FR Bonds or Named Non-

Owner policies.) Any non-rated driver age 15 and older must be disclosed and excluded. Refer to Section 2. Driver Exclusions (Personal Auto Policies) for additional information.

4. Points developed from violations and at-fault accidents per the experience period are added. The total points amount will determine the applicable point factor for rating purposes. All accidents are chargeable unless proof of no-fault is retained in your agency file. Refer to Section 5. Not-At-Fault Accidents (NAF) for documentation requirements. We charge for the highest rated violation from a single occurrence except in the event of a DUI or a TEXTING WHILE DRIVING VIOLATION and an at-fault accident resulting from the same occurrence.

The total sum of all applicable violation and at-fault accident points will determine the point factors for rating purposes. The point factors only apply to BI, PD, COMP, and COLL premiums. The point factors are located in the Ohio Private Passenger Auto Rates and the OH FR Bond Rates pages.

5. Discounts and points are additive prior to calculating the rate and are subject to the maximum discount as described in Section 4. DISCOUNTS, POINTS AND SURCHARGES.

6. Discount/point factor adjustments to BI, PD, COMP, and COLL premiums are applied, if appropriate. 7. Appropriate surcharges are applied, if applicable. Refer to Section 4. Surcharges. 8. Discounts/points/surcharges do not apply to any optional coverages. (Refer to Section 4. Discounts and

Points.) 9. Personal Auto Policies Only - For multi-car risks, the highest rated driver (based on driver class, total points

and total surcharges applicable to that driver) is assigned to the highest rated vehicle, second highest rated driver to the second highest rated vehicle, etc. If there are more vehicles than drivers, remaining vehicles will be rated with the lowest class driver on the policy with 0 points.

10. Personal Auto Policies Only – For policies with no physical damage coverage, apply the liability only rating factor to the base rates for BI and PD. (Not applicable to Named Non-Owner Policies.)

11. Personal Auto Policies Only - For BI and PD, standard industry symbols are used for the appropriate BI/PD vehicle symbol. Refer to Section 5. Vehicle Symbols for additional information.

12. Personal Auto Policies Only - For Comprehensive and Collision Coverage, standard industry symbols are used for the appropriate vehicle symbol. If pickup trucks and vans are to be covered, refer to Section 5. Vehicle Symbols.

13. Personal Auto Policies Only - Multiply BI, PD, COMP and COLL by the appropriate age factor of the vehicle. October 1st is considered the beginning of the new model year for all makes

14. Personal Auto Policies Only - For BI and PD, limits factors are applied, if applicable. 15. For policies with physical damage, apply the applicable deductible factor to the COMP and COLL premiums. 16. Personal Auto Policies Only - Multiply BI, PD, COMP and COLL by the Prior Insurance rating factor. Refer

to Section 5. Prior Insurance Factor rule for additional information. 17. Personal Auto Policies Only - A factor will be applied to the BI, PD, Medical Payments, UMPD, COMP and

COLL premiums, based on the insurance score obtained from LexisNexis. 18. Personal Auto Policies Only - Appropriate additional surcharges are applied, if applicable. Refer to Section

4. Ineligible Risk Surcharge (Personal Auto Policies Only) and Ineligible Midterm Replacement Vehicle – Physical Damage (Personal Auto Policies Only).

19. Apply the policy term factor. Note: A premium involving $0.50 or more shall be rounded to the next highest dollar.

RATING


Violation/Accident Determination All Violations/At-Fault Accidents

1. Chargeable for 36 months. 2. All accidents are considered at-fault unless proof of no-fault is obtained and kept in your agency file or

forwarded to us when required. 3. Only violation convictions should be listed. If convicted of a violation, the accident/violation occurrence

date, not the conviction date, will be used to determine if points are to be charged. 4. When multiple convictions result from a single occurrence, only the conviction with the highest point charge

will be charged, except in the event of a DUI or a TEXTING WHILE DRIVING VIOLATION and an at-fault accident resulting from the same occurrence.

5. Out of state accidents and violation convictions are chargeable.

Definition of At-Fault Accident An at-fault accident is one in which the driver is more than 50% at-fault. All accidents are considered at-fault unless proof of not-at-fault (NAF) is obtained and retained in the agency file. Refer to the following NAF rule for information regarding acceptable proof documents.

Definition of “Minor” At-Fault Accident If an at-fault accident results in no bodily injuries and the resultant total property damage is $500 or less, it will be allowed and charged a lesser point surcharge amount. No other driver violation points are allowed in order for this to apply. Supporting documentation must be provided by the applicant/insured at the time of application and is to be retained in the agency file.

If Founders later discovers an accident involving a listed driver that the applicant/insured failed to disclose on the application, that undisclosed accident will be classified as “other at-fault” and the higher surcharge points will be applied to any subsequent premium determination or recalculation. Refer to Section 4. Points for additional information.

Not-At-Fault Accidents (NAF) 1. Accidents will be considered chargeable unless the named insured demonstrates:

• The actions of the driver did not cause or significantly contribute (50% or more at-fault) to the occurrence of the accident.

• The vehicle was lawfully parked at the time of the accident. • The accident was caused by collision with flying gravel, missiles, falling objects or by contact with a bird

or animal. • A hit-and-run driver struck the vehicle, and the accident was reported to the proper authorities within

24 hours. • A driver other than the driver of the insured’s vehicle was convicted of a moving violation in connection

with the accident. • The vehicle was struck in the rear and the insured was not convicted of a moving violation. • A court of competent jurisdiction adjudicated the insured not to be liable. • The insured was operating a bicycle, boat, train or snowmobile at the time of the accident. • The insured, at the time of the accident, was in response to an emergency, AND was acting in an official

capacity as a paid or volunteer member of any Fire or Law Enforcement Department or Emergency Medical Unit.

• They were reimbursed by, or on behalf of, a person responsible for the accident or has a judgment against such person.

• They are in receipt of a traffic citation that was dismissed or not processed.

2. Examples of proof of NAF documents include: • A copy of the police report or court documents • A letter from the previous carrier • Any other documentation that proves NAF

Please retain these documents in your agency file as they are subject to audit.

RATING


Note: If the accident in question occurred in conjunction with another ticketed violation and the applicant/insured has supporting documentation that he/she was not at fault, proof must be submitted to Founders Underwriting. As part of the policy upload process, you will be prompted when this information is required to be submitted. Failure to provide required proof within 15 days of the effective date will result in a policy uprate or cancellation. Small Accident Forgiveness (Founders Renewal Only) Founders will waive a small accident claim surcharge at renewal that occurred while the driver was insured with Founders if the company’s payout on the claim was equal to or less than $500. The payout will not include the deductible paid by the customer.

Prior Insurance Factor (Personal Auto Policies Only) The Prior Insurance rating factor applies to policies written as new business on or after 02/13/2019. The Prior Insurance factor assigned to a policy considers all of the following:

• Whether there was private passenger automobile liability insurance covering the primary named insured or rated spouse and providing continuous coverage immediately preceding the inception of the initial Founders policy; and

• Any lapse in coverage prior to the inception of the initial Founders policy; and • The length of time the named insured or rated spouse had coverage with their prior carrier; • The Bodily Injury limits of the prior policy; and • Whether the insured’s most recent prior policy (if any) cancelled within 60 days of its inception date;

and • The number of times the most recent prior policy was cancelled in total, whether or not the policy was

later reinstated.

If the prior insurance status of the first named insured is unavailable, the Company may consider the prior insurance status of the rated spouse in order to determine the Prior Insurance factor.

The associated factors and criteria are set forth in the Ohio Private Passenger Auto Rates pages. The prior insurance rating factor assigned to the initial Founders policy term shall apply to all subsequent renewals of that policy.

Prior Insurance Coverage Exceptions Under certain conditions where the primary named insured did not have continuous auto liability insurance for the preceding six (6) months, we will consider a request to assign a neutral Prior Insurance rating factor. These conditions, applicable to the primary named insured, are:

• Active military deployment without a vehicle; • Previously resided out of the United States; • Previously insured under a commercial auto policy; • Previously had a company car; • Was previously engaged in missionary work without a vehicle; or • Has no previous vehicle ownership and is insuring first vehicle.

The agent is expected to obtain written proof of eligibility for such exceptions and forward it to us attached to a written request. Example of proof documents include:

• A copy of military deployment orders, showing dates and locations • Work visas, rental contracts, utility statements or other documents of most recent residence, if such

residence was located outside of the United States. • Vehicle purchase documents and associated vehicle registration verifying that there was no vehicle trade

in and/or registration transfer associated with the purchase. • Any other documentation that proves qualification for a prior auto liability coverage exception.

RATING


Insurance Scoring (Personal Auto Policies Only) Quotes and New Business Founders Insurance Company uses insurance scoring as one of many factors in pricing. An “insurance score” is calculated using several factors regarding an insured’s loss potential, including their credit history. An insurance score report is automatically ordered by the Founders rating system at the point of sale for all Founders quotes. You will not receive any information contained in the customer’s insurance score report; it is ordered, received and used exclusively through our rating systems.

In order to comply with consumer credit regulations, please adhere to the following instructions: 1. You must advise the customer prior to quoting that an insurance score will be obtained. 2. If the customer objects, do not proceed with the quote. The quote process cannot be completed without a

credit report being run as part of the rating process. 3. When a Founders application is printed, a credit disclosure statement is included. The applicant must sign

and date the statement to acknowledge they were advised prior to quoting that a credit score would be obtained as part of the rating process.

4. The “Producer Statement” on the Founders application includes a warrant stating all requirements of the Fair Credit Reporting Act (FCRA) have been met.

5. The information gathered from the credit report is valid for 90 days. If an application is uploaded after 90 days from the initial quote, the system will ask you to reorder credit prior to processing the application. If the applicant’s score changes, a difference in premium may result.

6. Any customer who suspects inaccuracies in their credit report (or is affected by an adverse underwriting decision due to a credit report) should be advised they can obtain a copy of the report by contacting our credit bureau vendor, LexisNexis at the website www.consumerdisclosure.com. Producers cannot request this information; only the customer may contact the credit bureau vendor.

Renewal Process

1. We will re-run the insured’s credit score every 3rd year as part of the renewal process. 2. We will re-run the insured’s credit score at the written request of the insured, but no more than once every

twelve months. The premium adjustment, if any, will be applied prospectively to the next policy term.

Driver Class Determination Rated Drivers (Personal Auto Policies Only) All persons living in the household, 15 and older, must be reported on the application. All individuals age 15 and older must be considered in the rating of the policy. Residents of the insured’s household 15 years of age and older, who do not have valid driver’s licenses/permits or who will not be driving the insured vehicle(s) should be listed as Excluded Drivers on the application or reported to us within 14 days of becoming a household resident. The named insured must sign a Named Driver Exclusion form which identifies each excluded household resident. Driver Class Assignment

1. If more than one driver, use driver developing highest premium. In multi-vehicle situations, the highest rated driver is rated with the highest-rated vehicle. If there are more vehicles than drivers, remaining vehicles will be rated with the lowest class driver on the policy with 0 points.

2. An insured’s qualification as “married” requires the insured to be legally married and residing in the same household as their spouse. Widowed drivers will be rated the same as our married class.

3. Classification (driver age) changes will only be made at the beginning of each policy term. 4. If the driver’s birthday is within 30 days of the policy effective date, the new age will be used for rating. 5. Applicants/drivers who have been issued with an SR-22 filing are required to regain a valid license. An

updated Motor Vehicle Report will be ordered prior to the next policy renewal. If the driver’s license has not returned to a valid status, the policy will be non-renewed and an SR-26 Financial Responsibility Notice of Cancellation will be sent to the state advising them to terminate the SR-22 filing as of end of the current policy term.

6. Regular users outside the household must be reported on the application. (Not applicable to FR Bonds or Named Non-Owner policies.) Refer to Section 2. Listed Operators/ Non-Licensed Household Residents (Personal Auto Policies) for additional information on drivers who must be reported.

RATING


Point Surcharges and/or Class Changes A policy will not be reclassified for age and/or be re-rated for point surcharges which expire during the policy term. If the operator for whom points were charged is no longer a member of the household and no longer operates the insured vehicle, changes will apply as of the effective date of that driver’s removal.

Garage Location and Territory When a garage location and mailing address differ, vehicles will be rated for the actual garaged location. Addresses for P.O. Boxes or similar centralized mail pick up facilities are not acceptable for rating, but are acceptable as a mailing address. Appropriate territories are assigned by the rating system based on ZIP Code.

New Business Minimum Earned Premium New business private passenger auto policies and financial responsibility bonds are subject to a minimum earned premium collected at policy inception. Refer to the Ohio Private Passenger Auto Rates and Ohio FR Bond Rates pages for premium details. The minimum earned premium will not apply in the case of a flat policy cancellation, a policy rescission, or a company cancellation, as allowed under Ohio statutes.

Vehicle Symbols (Personal Auto Policies Only) Founders utilizes symbol factors for the rating of Bodily Injury, Property Damage, Comprehensive and Collision coverages. Symbols are determined based on standard ISO vehicle symbols, which can be found in the ISO Personal Auto Liability and PIP/Med Pay (LPMP) Symbols Manual (for model years 1998 and later) and the ISO Personal Auto Physical Damage Symbols Manual (for model years 1990 and later). Refer to the ISOnet multistate symbol manuals and symbols page updates for the most recent LPMP and Physical Damage Symbols.

Liability and Medical Payment Symbols The ISO LPMP Symbols Pages provide two symbols for a vehicle. One of the published symbols is applicable to Bodily Injury and Property Damage (BI/PD) liability coverages. The second published symbol is applicable to Personal Injury Protection (PIP) liability coverage and to Medical Payments coverage. ISO LPMP symbols are displayed on a vehicle series basis, and apply to all vehicles (all VINs) in a vehicle series. LPMP symbols do not vary by model year unless otherwise noted in the LPMP manual.

To determine the correct LPMP symbols for BI/PD or PIP/Med Pay: 1. If a vehicle is shown on the LPMP multistate Symbols Pages, use those symbols unless that particular vehicle

make/model symbol has been added as part of a LPMP Symbols Update Pages. 2. LPMP Symbols Updates Pages include symbols information for new vehicles. If the vehicle is listed on the

Symbols Update Pages, use those symbols in rating the vehicle instead of symbols determined under Item 1. above.

3. If a symbol for a vehicle cannot be determined in accordance with the procedures listed under Items 1. or 2. above, use an LPMP rating factor of 1.00 for BI/PD or PIP/Med Pay coverage until updated information is available.

Currently, Founders is utilizing the ISO LPMP BI/PD symbols for rating of these two coverages. Refer to the Ohio Private Passenger Auto Rates pages for the symbol tables and factors.

RATING


Pickup Trucks, Vans, and Physical Damage Unpublished Symbol Determination Refer to the Ohio Private Passenger Auto Rates pages for Comprehensive and Collision coverage symbols and rating factors. If a new vehicle does not yet have a symbol published for physical damage or the vehicle is to be insured with no published symbol, please use the following chart to assign a symbol based on the Manufacturers Suggested Retail Price. Refer to Section 4. Surcharges for information regarding the symbols assigned to a midterm replacement vehicle that is ineligible for physical damage coverage. Model Years 1990-2010

Model Years 2011+

Cost New Symbol Cost New Symbol Cost New Symbol $0 - $6,500 1 $1 - $3,000 1 $23,751 - $24,375 26 $6,501 - $8,000 2 $3,001 - $5,500 2 $23,476 - $25,000 27 $8,001 - $9,000 3 $5,501 - $8,000 3 $25,001 - $25,625 28 $9,001 - $10,000 4 $8,001 - $9,000 4 $25,626 - $26,250 29 $10,001 - $11,250 5 $9,001 - $10,000 5 $26,251 - $26,875 30 $11,251 - $12,500 6 $10,001 - $11,000 6 $26,876 - $27,500 31 $12,501 - $13,750 7 $11,001 - $12,000 7 $27,501 - $28,125 32 $13,751 - $15,000 8 $12,001 - $13,000 8 $28,126 - $28,750 33 $15,001 - $16,250 10 $13,001 - $14,000 10 $28,751 - $29,375 34 $16,251 - $17,500 11 $14,001 - $15,000 11 $29,376 - $30,000 35 $17,501 - $18,750 12 $15,001 - $15,625 12 $30,001 - $31,000 36 $18,751 - $20,000 13 $15,626 - $16,250 13 $31,001 - $32,000 37 $20,001 - $22,000 14 $16,251 - $16,875 14 $32,001 - $33,000 38 $22,001 - $24,000 15 $16,876 - $17,500 15 $33,001 - $34,000 39 $24,001 - $26,000 16 $17,501 - $18,125 16 $34,001 - $35,000 40 $26,001 - $28,000 17 $18,126 - $18,750 17 $35,001 - $36,000 41 $28,001 - $30,000 18 $18,751 - $19,375 18 $36,001 - $37,000 42 $30,001 - $33,000 19 $19,376 - $20,000 19 $37,001 - $38,000 43 $33,001 - $36,000 20 $20,001 - $20,625 20 $38,001 - $39,000 44 $36,001 - $40,000 21 $20,626 - $21,250 21 $39,001 - $40,000 45 $40,001 - $45,000 22 $21,251 - $21,875 22 $40,001 - $41,250 46 $21,876 - $22,500 23 $41,251 - $42,500 47 $22,501 - $23,125 24 $42,501 - $43,750 48 $23,126 - $23,750 25 $43,751 - $45,000 49

BILLING AND FEES


6. BILLING AND FEES

Direct Bill An 8% discount is available on direct bill policies for both 6-month and 12-month policy terms if the premium is paid in full. Refer to Section 4. Discounts for additional details regarding eligibility for this discount.

The minimum down payment collected for a new business policy is the greater of the indicated down payment percentage amount for the selected payment plan or the New Business Minimum Earned Premium. Refer to Section 5. New Business Minimum Earned Premium for additional information.

Each installment, after the down payment, will include a premium installment charge. Commissions are not payable on installment charges. In the event of an endorsement that generates additional premium, a minimum down payment of 35% of the additional pro rata premium is required with the endorsement request.

All installment payments must be made or received no later than the payment due date. Payments received after the due date will be charged a late fee.

To avoid late fees, we encourage you to enroll your customers in an automated recurring payment plan. In addition, installment fees are reduced when the customer registers and enrolls in one of these two automated payment methods:

• Recurring ACH debit. • Recurring credit card.

Refer to Fees for additional information.

Agency Bill An option for Agency Bill is available subject to company approval.

Uprates If the policy is issued at a higher premium than quoted and if the down payment is inadequate, the additional premium will be spread evenly over the remaining installments; however installment due dates may be altered to compensate for inadequate down payment.

Insufficient Down Payment If an uprate results in an amount exceeding the Company’s tolerance, a cancellation notice will be issued. The insured will be advised to make an additional down payment prior to the date shown on the cancellation notice to reinstate the policy.

Checks Returned for Non-Sufficient Funds (NSF) / Rejected Payments If a check for a down payment (or payment in full) on a new policy is returned NSF, Notice of Cancellation will be issued, and all coverage will be considered null and void from the intended inception date. If the initial payment is returned for a renewal policy, a Notice of Cancellation for non-payment will be issued providing 10 days’ advance notice. If the returned payment was an NSF check, it must be replaced with a certified check, money order, or credit card payment. A NSF fee is charged for any type of returned/rejected payment. Refer to Fees for additional information.

If any check (other than down payment check), ACH/debit request, or credit card payment request is returned NSF or is rejected when submitted for payment, a Notice of Cancellation for non-payment will be issued immediately. If the returned payment was an NSF check, it must be replaced with a certified check, money order, or credit card payment prior to the cancellation effective date in order for coverage to be reinstated. A NSF fee will be charged.

If a financial institution returns a payment tendered to effect reinstatement of a policy under cancellation, the reinstatement will be deemed invalid, and the policy will be cancelled as of the last notice date.

BILLING AND FEES


Personal Auto and FR Bond Fees All fees are fully earned at the time they are charged.

Fee Amount Description Installment Fee $11 Applied to each premium installment payment when

no checking account Electronic Funds Transfer is in place. Not applied to paid-in-full policies. There are no installment fees charged on policy term down payments.

Non-EFT

Installment Fee PPA FR Bond Applied to each premium installment for payments made via Electronic Funds Transfer (EFT) from a checking account. Not applied to paid-in-full policies. There are no installment fees charged on policy term down payments.

Recurring ACH Debit $5 $9

Installment Fee $10 Applied to each premium installment for payments made from a credit card. Not applied to paid-in-full policies. There are no installment fees charged on policy term down payments.

Recurring Credit Card

SR-22 Filing Fee $15 Applied to each new, renewal, or rewritten policy for each driver filing. This is a non-refundable fee.

Late Fee $10 Charged when payment is received after the due date. NSF Fee PPA FR Bond Charged in the event the financial institution

returns/rejects a request for payment. $25 $15

New Business Expense Fee (FR Bond Only)

$10 Applied to each new FR Bond, and collected as part of the initial premium down payment. This is a fully earned, non-refundable fee.

New Business Policy Expense Fee (PPA Only)

$10 Applied to each new Personal Auto policy and is collected as part of the initial premium down payment. This is a fully earned, non-refundable fee.

Founders Insurance Company Ohio PPA Territories

**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****

FIC-OH Standard Auto P1 Effective 09/01/18 New & 11/01/18 Renewal

Zip Code Territory

43001 84

43002 83

43003 90

43004 83

43005 81

43006 89

43007 78

43008 84

43009 78

43010 91

43011 81

43013 84

43014 81

43015 90

43016 83

43017 83

43018 84

43019 81

43021 90

43022 81

43023 84

43025 84

43026 71

43027 84

43028 81

43029 78

43030 84

43031 84

43032 90

43033 84

43035 90

43036 78

43037 81

43040 78

43044 78

43045 78

43046 84

43047 78

43048 81

43050 81

43054 83

43055 84

43056 84

43058 84

Zip Code Territory

43060 78

43061 90

43062 84

43064 70

43065 90

43066 90

43067 78

43068 83

43070 78

43071 84

43072 78

43073 84

43074 90

43076 84

43077 78

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43080 84

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43083 78

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43085 71

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43101 70

43102 84

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43110 85

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43112 84

43113 70

43115 70

43116 70

43117 70

43119 85

43123 85

43125 85

43126 85

43127 84

43128 70

43130 84

Zip Code Territory

43135 84

43136 84

43137 85

43138 84

43140 70

43142 70

43143 70

43144 84

43145 70

43146 70

43147 84

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43210 71

43211 71

43212 71

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43219 71

Zip Code Territory

43220 71

43221 71

43222 71

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43226 71

43227 71

43228 71

43229 71

43230 71

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43234 71

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43301 81

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43310 78

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43323 78

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43326 78

43330 78

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43332 81

43333 78

43334 81

43335 81

43336 78

43337 81

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43340 78




Zip Code Territory

43341 81

43342 81

43343 78

43344 78

43345 78

43346 78

43347 78

43348 78

43349 81

43350 81

43351 78

43356 81

43357 78

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43402 88

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43436 88

43437 88

43438 92

43439 88

43440 88

43441 88

43442 88

43443 88

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Zip Code Territory

43450 88

43451 88

43452 88

43456 88

43457 88

43458 88

43460 88

43462 88

43463 88

43464 88

43465 88

43466 88

43467 88

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43525 88

43526 88

43527 88

43528 88

43529 88

43530 88

43531 88

43532 88

43533 88

43534 88

43535 88

Zip Code Territory

43536 88

43537 88

43540 88

43541 88

43542 88

43543 88

43545 88

43547 88

43548 88

43549 88

43550 88

43551 88

43552 88

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43601 76

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43610 76

43611 76

43612 76

43613 76

43614 76

43615 76

43616 88

43617 88

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Zip Code Territory

43620 76

43623 76

43635 76

43697 76

43699 76

43701 89

43702 89

43711 84

43713 84

43716 84

43717 84

43718 84

43719 84

43720 89

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43724 84

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Zip Code Territory

43761 84

43762 89

43764 84

43766 84

43767 89

43768 89

43771 89

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43779 84

43780 89

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43822 89

43824 89

43828 89

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43837 89

43840 89

43842 89

43843 89

43844 89

43845 89

43901 89

43902 84

43903 84

43905 84

Zip Code Territory

43906 84

43907 89

43908 84

43909 84

43910 84

43912 84

43913 84

43914 84

43915 84

43916 84

43917 84

43920 80

43925 84

43926 84

43927 84

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43931 84

43932 84

43933 84

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43945 80

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43950 84

43951 84

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43953 84

43961 84

43962 80

43963 84

43964 84

43967 84

43968 80

Zip Code Territory

43970 84

43971 84

43972 84

43973 89

43974 89

43976 89

43977 84

43981 89

43983 84

43984 89

43985 84

43986 89

43988 89

44001 92

44003 72

44004 72

44005 72

44010 72

44011 92

44012 92

44017 92

44021 72

44022 92

44023 72

44024 72

44026 72

44028 92

44030 72

44032 72

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44035 92

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44039 92

44040 92

44041 72

44044 92

44045 92

44046 72

44047 72

44048 72

44049 92

44050 92

44052 92

44053 92

Zip Code Territory

44054 92

44055 92

44056 72

44057 92

44060 92

44061 92

44062 72

44064 72

44065 72

44067 72

44068 72

44070 92

44072 72

44074 92

44076 72

44077 92

44080 72

44081 92

44082 72

44084 72

44085 72

44086 72

44087 72

44088 72

44089 92

44090 92

44092 92

44093 72

44094 92

44095 92

44096 92

44097 92

44099 72

44101 73

44102 73

44103 73

44104 73

44105 73

44106 73

44107 92

44108 73

44109 73

44110 73

44111 73




Zip Code Territory

44112 73

44113 73

44114 73

44115 73

44116 92

44117 92

44118 73

44119 73

44120 73

44121 73

44122 92

44123 92

44124 73

44125 73

44126 73

44127 73

44128 92

44129 73

44130 73

44131 92

44132 92

44133 92

44134 73

44135 73

44136 92

44137 92

44138 92

44139 92

44140 92

44141 92

44142 92

44143 73

44144 92

44145 92

44146 92

44147 92

44149 92

44181 73

44199 73

44201 72

44202 72

44203 72

44210 72

44211 72

Zip Code Territory

44212 81

44214 81

44215 81

44216 72

44217 81

44221 72

44222 72

44223 72

44224 72

44230 81

44231 72

44232 72

44233 81

44234 72

44235 81

44236 72

44240 72

44241 72

44243 72

44250 72

44251 81

44253 81

44254 81

44255 72

44256 81

44258 81

44260 72

44262 72

44264 72

44265 72

44266 72

44270 81

44272 72

44273 81

44274 81

44275 81

44276 81

44278 72

44280 81

44281 81

44282 81

44285 72

44286 72

44287 81

Zip Code Territory

44288 72

44301 75

44302 75

44303 75

44304 75

44305 75

44306 75

44307 75

44308 75

44309 75

44310 75

44311 75

44312 72

44313 75

44314 75

44319 75

44320 75

44321 75

44322 75

44333 72

44372 75

44401 80

44402 72

44403 72

44404 72

44405 77

44406 80

44408 80

44410 72

44411 72

44412 72

44413 80

44415 80

44416 80

44417 72

44418 72

44420 72

44422 80

44423 80

44424 72

44425 72

44427 89

44428 72

44429 80

Zip Code Territory

44430 72

44431 80

44432 80

44436 77

44437 72

44438 72

44439 72

44440 72

44441 80

44442 80

44443 80

44444 72

44445 80

44446 72

44449 80

44450 72

44451 80

44452 80

44453 72

44454 80

44455 80

44460 80

44470 72

44471 77

44473 72

44481 72

44482 72

44483 72

44484 72

44485 72

44490 80

44491 72

44492 80

44493 80

44501 77

44502 77

44503 77

44504 77

44505 77

44506 77

44507 77

44509 77

44510 77

44511 77




Zip Code Territory

44512 80

44513 80

44514 80

44515 77

44601 80

44606 81

44607 89

44608 80

44609 80

44610 89

44611 89

44612 89

44613 80

44614 80

44615 89

44617 89

44618 81

44619 80

44620 89

44621 89

44622 89

44624 89

44625 80

44626 80

44627 81

44628 89

44629 89

44630 80

44631 89

44632 80

44633 89

44634 80

44636 81

44637 89

44638 89

44639 89

44640 80

44641 80

44643 89

44644 89

44645 81

44646 80

44647 80

44648 80

Zip Code Territory

44650 80

44651 89

44652 80

44653 89

44654 89

44656 89

44657 80

44659 81

44660 89

44661 89

44662 80

44663 89

44665 80

44666 80

44667 81

44669 80

44670 80

44671 89

44672 80

44675 89

44676 81

44677 81

44678 89

44679 89

44680 89

44681 89

44682 89

44683 89

44685 80

44687 89

44688 80

44689 80

44690 89

44691 81

44693 89

44695 89

44697 89

44699 89

44701 80

44702 80

44703 80

44704 80

44705 80

44706 80

Zip Code Territory

44707 80

44708 80

44709 80

44710 80

44711 80

44714 80

44718 80

44720 80

44721 80

44730 80

44735 80

44802 78

44804 78

44805 81

44807 78

44809 78

44811 78

44813 81

44814 92

44815 78

44816 92

44817 88

44818 78

44820 78

44822 81

44824 92

44825 78

44826 81

44827 78

44828 78

44830 78

44833 78

44836 78

44837 81

44838 81

44839 92

44840 81

44841 78

44842 81

44843 81

44844 78

44845 78

44846 92

44847 81

Zip Code Territory

44848 81

44849 78

44850 81

44851 81

44853 78

44854 78

44855 81

44856 78

44857 81

44859 81

44860 78

44861 78

44862 81

44864 81

44865 81

44866 81

44867 78

44870 92

44871 92

44874 81

44875 81

44878 81

44880 81

44881 78

44882 78

44883 78

44887 78

44889 81

44890 81

44901 81

44902 81

44903 81

44904 81

44905 81

44906 81

44907 81

45001 87

45002 87

45003 82

45004 82

45005 91

45011 86

45012 82

45013 86




Zip Code Territory

45014 86

45015 82

45018 82

45030 87

45032 91

45033 87

45034 91

45036 91

45039 91

45040 91

45041 87

45042 82

45044 82

45050 82

45051 87

45052 87

45053 82

45054 91

45055 82

45056 86

45061 82

45062 82

45063 82

45064 82

45065 91

45066 91

45067 82

45068 91

45069 82

45070 78

45071 82

45101 84

45102 91

45103 91

45105 84

45106 91

45107 70

45110 70

45111 86

45112 91

45113 70

45114 70

45115 84

45118 84

Zip Code Territory

45119 84

45120 91

45121 84

45122 91

45123 70

45130 84

45131 84

45132 70

45133 70

45135 70

45138 70

45140 91

45142 70

45144 84

45145 91

45146 70

45147 91

45148 70

45150 91

45152 91

45153 91

45154 84

45155 70

45156 91

45157 91

45158 91

45159 70

45160 91

45162 91

45164 70

45166 70

45167 84

45168 84

45169 70

45171 84

45172 70

45174 86

45176 91

45177 70

45201 74

45202 74

45203 74

45204 74

45205 74

Zip Code Territory

45206 74

45207 74

45208 74

45209 74

45211 87

45212 86

45213 74

45214 74

45215 86

45216 86

45217 86

45218 86

45219 76

45220 74

45222 74

45223 74

45224 74

45225 74

45226 74

45227 86

45228 74

45229 74

45230 74

45231 86

45232 74

45233 74

45234 74

45235 74

45236 86

45237 86

45238 74

45239 86

45240 86

45241 86

45242 86

45243 86

45244 86

45245 91

45246 86

45247 74

45248 74

45249 86

45250 74

45251 74

Zip Code Territory

45252 74

45253 74

45254 74

45255 74

45258 74

45262 74

45275 74

45280 74

45301 91

45302 78

45303 78

45304 78

45305 91

45306 78

45307 91

45308 91

45309 91

45310 78

45311 78

45312 91

45314 91

45315 91

45316 91

45317 91

45318 91

45319 91

45320 78

45321 78

45322 91

45323 91

45324 91

45325 91

45326 91

45327 91

45328 78

45330 78

45331 78

45332 78

45333 78

45334 78

45335 91

45336 78

45337 91

45338 78




Zip Code Territory

45339 91

45340 78

45341 91

45342 91

45343 91

45344 91

45345 91

45346 78

45347 78

45348 78

45349 91

45350 78

45351 78

45352 78

45353 78

45354 91

45356 91

45358 78

45359 91

45360 78

45361 91

45362 78

45363 78

45365 78

45368 91

45369 91

45370 91

45371 91

45372 91

45373 91

45377 91

45378 78

45380 78

45381 78

45382 78

45383 91

45384 91

45385 91

45387 91

45388 78

45389 78

45390 78

45400 79

45402 79

Zip Code Territory

45403 79

45404 79

45405 79

45406 79

45408 79

45409 79

45410 79

45414 79

45415 79

45416 79

45417 79

45418 91

45419 79

45420 79

45423 79

45424 79

45426 91

45427 79

45429 91

45430 91

45431 91

45432 91

45433 91

45434 91

45439 91

45440 91

45449 91

45458 91

45459 91

45479 79

45501 91

45502 91

45503 91

45504 91

45505 91

45506 91

45601 70

45612 70

45613 84

45614 84

45616 84

45617 70

45618 84

45619 84

Zip Code Territory

45620 84

45621 84

45622 84

45623 84

45624 84

45628 70

45629 84

45630 84

45631 84

45633 70

45634 84

45636 84

45638 84

45640 84

45642 84

45643 84

45644 70

45645 84

45646 84

45647 70

45648 84

45650 84

45651 84

45652 84

45653 84

45654 84

45656 84

45657 84

45658 84

45659 84

45660 84

45661 84

45662 84

45663 84

45669 84

45671 84

45672 84

45673 70

45674 84

45675 84

45677 84

45678 84

45679 84

45680 84

Zip Code Territory

45681 70

45682 84

45683 84

45684 84

45685 84

45686 84

45687 84

45688 84

45690 84

45692 84

45693 84

45694 84

45695 84

45696 84

45697 84

45698 84

45701 84

45710 84

45711 84

45712 84

45713 84

45714 84

45715 84

45716 84

45717 84

45719 84

45720 84

45721 84

45723 84

45724 84

45727 84

45729 84

45732 84

45734 84

45735 84

45739 84

45740 84

45741 84

45742 84

45743 84

45744 84

45745 84

45746 84

45750 84




Zip Code Territory

45760 84

45761 84

45764 84

45766 84

45767 84

45768 84

45769 84

45770 84

45771 84

45772 84

45773 84

45775 84

45776 84

45777 84

45778 84

45779 84

45780 84

45782 84

45783 84

45784 84

45786 84

45787 84

45788 84

45789 84

45801 78

45802 78

45804 78

45805 78

45806 78

45807 78

45808 78

45809 78

45810 78

45812 78

45813 78

45814 78

45815 78

45816 78

45817 78

45819 78

45820 78

45821 78

45822 78

45826 78

Zip Code Territory

45827 78

45828 78

45830 78

45831 78

45832 78

45833 78

45835 78

45836 78

45837 78

45838 78

45839 78

45840 78

45841 78

45843 78

45844 78

45845 78

45846 78

45848 78

45849 78

45850 78

45851 78

45853 78

45854 78

45855 78

45856 78

45858 78

45859 78

45860 78

45861 78

45862 78

45863 78

45864 78

45865 78

45866 78

45867 78

45868 78

45869 78

45870 78

45871 78

45872 88

45873 78

45874 78

45875 78

45876 78

Zip Code Territory

45877 78

45879 78

45880 78

45881 78

45882 78

45883 78

45884 78

45885 78

45886 78

45887 78

45888 78

45889 78

45890 78

45891 78

45893 78

45894 78

45895 78

45896 78

45897 78

45898 78

45899 78

Founders Insurance Company Ohio FR Bond Territories


FIC-OH FR Bonds B1 Effective 09/01/18 New & 11/01/18 Renewal

ZIP FIC Terr.

43001 48

43002 3

43003 39

43004 60

43005 39

43006 52

43007 52

43008 48

43009 52

43010 49

43011 39

43013 39

43014 39

43015 39

43016 60

43017 60

43018 48

43019 39

43021 39

43022 39

43023 48

43025 48

43026 60

43027 48

43028 39

43029 52

43030 48

43031 48

43032 39

43033 48

43035 39

43036 52

43037 39

43040 52

43044 52

43045 52

43046 48

43047 52

43048 39

43050 39

ZIP FIC Terr.

43054 39

43055 48

43056 48

43058 48

43060 52

43061 39

43062 48

43064 39

43065 39

43066 39

43067 52

43068 60

43070 52

43071 48

43072 52

43073 48

43074 39

43076 48

43077 52

43078 52

43080 48

43081 60

43082 60

43083 52

43084 52

43085 3

43086 60

43101 60

43102 48

43103 48

43105 48

43106 60

43107 48

43109 60

43110 60

43111 51

43112 48

43113 48

43115 60

43116 60

ZIP FIC Terr.

43117 60

43119 60

43123 60

43125 60

43126 60

43127 51

43128 60

43130 48

43135 51

43136 48

43137 60

43138 51

43140 49

43142 60

43143 60

43144 51

43145 60

43146 60

43147 48

43148 48

43149 51

43150 48

43151 60

43152 51

43153 49

43154 48

43155 48

43156 60

43157 48

43158 51

43160 60

43162 60

43163 48

43164 60

43201 3

43202 3

43203 3

43204 3

43205 3

43206 3

ZIP FIC Terr.

43207 3

43209 3

43210 3

43211 3

43212 3

43213 3

43214 3

43215 3

43216 3

43217 3

43218 3

43219 3

43220 3

43221 3

43222 3

43223 3

43224 3

43226 3

43227 3

43228 3

43229 3

43230 3

43231 3

43232 3

43234 3

43235 3

43236 3

43240 3

43301 39

43302 52

43306 39

43310 52

43311 52

43314 52

43315 39

43316 52

43317 39

43318 52

43319 52

43320 39




ZIP FIC Terr.

43321 39

43322 39

43323 39

43324 52

43325 39

43326 52

43330 52

43331 52

43332 52

43333 52

43334 39

43335 39

43336 52

43337 39

43338 39

43340 52

43341 39

43342 39

43343 52

43344 39

43345 52

43346 52

43347 52

43348 52

43349 39

43350 39

43351 52

43356 39

43357 52

43358 52

43359 52

43360 52

43402 52

43406 52

43407 52

43408 52

43410 52

43412 61

43413 52

43414 52

ZIP FIC Terr.

43416 52

43420 52

43430 52

43431 52

43432 52

43433 52

43434 61

43435 52

43436 52

43437 52

43438 47

43439 52

43440 52

43441 52

43442 52

43443 52

43445 61

43446 52

43447 52

43449 52

43450 52

43451 52

43452 52

43456 52

43457 52

43458 52

43460 52

43462 52

43463 52

43464 47

43465 52

43466 52

43467 52

43468 52

43469 52

43501 61

43502 61

43504 61

43505 61

43506 61

ZIP FIC Terr.

43510 61

43511 61

43512 61

43515 61

43516 52

43517 61

43518 61

43519 61

43520 61

43521 61

43522 61

43523 61

43524 61

43525 52

43526 61

43527 61

43528 61

43529 52

43530 61

43531 61

43532 61

43533 61

43534 43

43535 61

43536 61

43537 61

43540 61

43541 52

43542 61

43543 61

43545 61

43547 61

43548 61

43549 61

43550 61

43551 52

43552 52

43553 61

43554 61

43555 61

ZIP FIC Terr.

43556 61

43557 61

43558 61

43560 61

43565 52

43566 61

43567 61

43569 52

43570 61

43571 61

43601 5

43603 5

43604 5

43605 5

43606 5

43607 5

43608 5

43609 5

43610 5

43611 5

43612 5

43613 5

43614 5

43615 5

43616 61

43617 5

43618 61

43619 61

43620 5

43623 5

43635 5

43697 5

43699 5

43701 52

43702 52

43711 51

43713 37

43716 37

43717 51

43718 37




ZIP FIC Terr.

43719 37

43720 51

43721 48

43722 52

43723 52

43724 51

43725 52

43727 52

43728 51

43730 51

43731 51

43732 52

43733 52

43734 52

43735 52

43736 52

43738 4

43739 48

43740 48

43746 48

43747 37

43748 51

43749 52

43750 52

43752 36

43754 36

43755 52

43756 51

43757 36

43758 51

43759 37

43760 48

43761 51

43762 52

43764 51

43766 51

43767 52

43768 52

43771 52

43772 52

ZIP FIC Terr.

43773 37

43777 51

43778 52

43779 51

43780 52

43782 51

43783 51

43786 36

43787 51

43788 36

43789 36

43791 52

43793 36

43802 52

43803 52

43804 52

43805 52

43811 52

43812 52

43821 52

43822 52

43824 52

43828 52

43830 48

43832 52

43836 52

43837 52

43840 52

43842 52

43843 52

43844 52

43845 52

43901 37

43902 37

43903 52

43905 37

43906 37

43907 52

43908 52

43909 37

ZIP FIC Terr.

43910 52

43912 37

43913 38

43914 36

43915 36

43916 37

43917 37

43920 32

43925 38

43926 38

43927 37

43928 37

43930 32

43931 36

43932 32

43933 37

43934 37

43935 27

43937 37

43938 38

43939 38

43940 37

43941 38

43942 52

43943 37

43944 38

43945 52

43946 36

43947 37

43948 38

43950 37

43951 37

43952 38

43953 38

43961 38

43962 32

43963 38

43964 38

43967 37

43968 32

ZIP FIC Terr.

43970 38

43971 38

43972 37

43973 37

43974 52

43976 52

43977 37

43981 52

43983 51

43984 52

43985 37

43986 52

43988 52

44001 47

44003 46

44004 46

44005 46

44010 46

44011 47

44012 47

44017 53

44021 46

44022 46

44023 46

44024 46

44026 46

44028 47

44030 46

44032 46

44033 46

44035 47

44036 47

44039 47

44040 53

44041 46

44044 47

44045 25

44046 46

44047 46

44048 46




ZIP FIC Terr.

44049 47

44050 47

44052 26

44053 26

44054 26

44055 26

44056 17

44057 46

44060 25

44061 25

44062 46

44064 46

44065 46

44067 17

44068 46

44070 53

44072 46

44074 47

44076 46

44077 25

44080 46

44081 25

44082 46

44084 46

44085 46

44086 46

44087 17

44088 46

44089 47

44090 47

44092 25

44093 46

44094 46

44095 25

44096 25

44097 25

44099 46

44101 11

44102 11

44103 11

ZIP FIC Terr.

44104 11

44105 11

44106 11

44107 53

44108 11

44109 11

44110 11

44111 11

44112 11

44113 11

44114 11

44115 11

44116 53

44117 44

44118 11

44119 11

44120 11

44121 11

44122 53

44123 44

44124 11

44125 11

44126 11

44127 11

44128 11

44129 11

44130 11

44131 53

44132 44

44133 53

44134 11

44135 11

44136 53

44137 53

44138 53

44139 53

44140 53

44141 53

44142 44

44143 11

ZIP FIC Terr.

44144 11

44145 53

44146 53

44147 53

44149 53

44181 11

44199 11

44201 46

44202 53

44203 17

44210 17

44211 46

44212 47

44214 47

44215 47

44216 17

44217 39

44221 17

44222 17

44223 17

44224 17

44230 47

44231 46

44232 17

44233 47

44234 46

44235 39

44236 46

44240 46

44241 46

44243 46

44250 17

44251 47

44253 47

44254 47

44255 46

44256 47

44258 47

44260 17

44262 17

ZIP FIC Terr.

44264 17

44265 46

44266 46

44270 39

44272 46

44273 47

44274 47

44275 47

44276 39

44278 17

44280 47

44281 47

44282 47

44285 46

44286 17

44287 39

44288 46

44301 4

44302 4

44303 4

44304 4

44305 4

44306 4

44307 4

44308 4

44309 4

44310 4

44311 4

44312 4

44313 4

44314 4

44319 4

44320 4

44321 4

44322 4

44333 47

44372 4

44401 9

44402 46

44403 35




ZIP FIC Terr.

44404 46

44405 8

44406 43

44408 32

44410 35

44411 46

44412 42

44413 32

44415 32

44416 9

44417 46

44418 35

44420 35

44422 9

44423 32

44424 35

44425 42

44427 52

44428 46

44429 9

44430 35

44431 32

44432 32

44436 42

44437 42

44438 35

44439 46

44440 42

44441 32

44442 43

44443 32

44444 42

44445 32

44446 15

44449 42

44450 46

44451 9

44452 9

44453 35

44454 32

ZIP FIC Terr.

44455 32

44460 32

44470 46

44471 8

44473 35

44481 42

44482 35

44483 35

44484 35

44485 35

44490 32

44491 46

44492 32

44493 32

44501 8

44502 8

44503 8

44504 8

44505 8

44506 8

44507 8

44509 8

44510 8

44511 8

44512 8

44513 8

44514 8

44515 8

44601 9

44606 39

44607 52

44608 9

44609 32

44610 52

44611 52

44612 52

44613 9

44614 9

44615 52

44617 52

ZIP FIC Terr.

44618 9

44619 9

44620 52

44621 52

44622 52

44624 52

44625 52

44626 9

44627 52

44628 39

44629 52

44630 9

44631 52

44632 46

44633 52

44634 32

44636 39

44637 52

44638 39

44639 52

44640 9

44641 9

44643 9

44644 52

44645 9

44646 7

44647 7

44648 7

44650 9

44651 52

44652 9

44653 52

44654 52

44656 52

44657 9

44659 39

44660 52

44661 52

44662 9

44663 52

ZIP FIC Terr.

44665 32

44666 9

44667 39

44669 9

44670 9

44671 52

44672 9

44675 52

44676 52

44677 39

44678 52

44679 52

44680 9

44681 52

44682 52

44683 52

44685 17

44687 52

44688 9

44689 52

44690 52

44691 39

44693 52

44695 52

44697 52

44699 52

44701 7

44702 7

44703 7

44704 7

44705 7

44706 7

44707 7

44708 7

44709 7

44710 7

44711 7

44714 7

44718 7

44720 9




ZIP FIC Terr.

44721 7

44730 9

44735 7

44802 52

44804 52

44805 39

44807 39

44809 52

44811 52

44813 39

44814 47

44815 52

44816 47

44817 52

44818 52

44820 52

44822 39

44824 47

44825 52

44826 47

44827 52

44828 52

44830 52

44833 52

44836 52

44837 39

44838 39

44839 47

44840 39

44841 52

44842 39

44843 39

44844 52

44845 52

44846 47

44847 47

44848 39

44849 52

44850 39

44851 39

ZIP FIC Terr.

44853 52

44854 52

44855 39

44856 52

44857 47

44859 39

44860 52

44861 52

44862 39

44864 39

44865 52

44866 39

44867 52

44870 47

44871 47

44874 39

44875 52

44878 39

44880 39

44881 52

44882 52

44883 52

44887 52

44889 47

44890 39

44901 28

44902 28

44903 39

44904 39

44905 28

44906 28

44907 28

45001 60

45002 60

45003 60

45004 60

45005 60

45011 60

45012 60

45013 60

ZIP FIC Terr.

45014 60

45015 60

45018 60

45030 60

45032 49

45033 60

45034 49

45036 49

45039 60

45040 49

45041 60

45042 20

45044 20

45050 20

45051 60

45052 60

45053 60

45054 49

45055 60

45056 60

45061 60

45062 20

45063 60

45064 60

45065 49

45066 49

45067 60

45068 49

45069 60

45070 52

45071 60

45101 51

45102 49

45103 49

45105 51

45106 49

45107 60

45110 60

45111 2

45112 49

ZIP FIC Terr.

45113 60

45114 60

45115 51

45118 51

45119 51

45120 51

45121 51

45122 49

45123 60

45130 51

45131 51

45132 60

45133 51

45135 60

45138 60

45140 60

45142 51

45144 51

45145 49

45146 60

45147 49

45148 51

45150 49

45152 49

45153 49

45154 51

45155 60

45156 49

45157 49

45158 49

45159 60

45160 49

45162 49

45164 60

45166 60

45167 51

45168 51

45169 60

45171 51

45172 60




ZIP FIC Terr.

45174 60

45176 49

45177 60

45201 2

45202 2

45203 2

45204 2

45205 2

45206 2

45207 2

45208 2

45209 2

45211 2

45212 2

45213 2

45214 2

45215 2

45216 2

45217 2

45218 2

45219 2

45220 2

45222 2

45223 2

45224 2

45225 2

45226 2

45227 2

45228 2

45229 2

45230 49

45231 2

45232 2

45233 2

45234 2

45235 2

45236 2

45237 2

45238 2

45239 2

ZIP FIC Terr.

45240 2

45241 60

45242 2

45243 2

45244 49

45245 49

45246 60

45247 2

45248 2

45249 2

45250 2

45251 2

45252 2

45253 2

45254 2

45255 49

45258 2

45262 2

45275 51

45280 2

45301 49

45302 52

45303 52

45304 52

45305 49

45306 52

45307 49

45308 49

45309 60

45310 60

45311 52

45312 52

45314 49

45315 60

45316 49

45317 52

45318 52

45319 49

45320 52

45321 52

ZIP FIC Terr.

45322 49

45323 49

45324 49

45325 60

45326 49

45327 60

45328 52

45330 52

45331 52

45332 52

45333 52

45334 52

45335 60

45336 52

45337 52

45338 52

45339 49

45340 52

45341 49

45342 60

45343 60

45344 52

45345 60

45346 52

45347 52

45348 52

45349 49

45350 52

45351 52

45352 52

45353 52

45354 60

45356 49

45358 52

45359 49

45360 52

45361 49

45362 52

45363 52

45365 52

ZIP FIC Terr.

45368 49

45369 49

45370 49

45371 49

45372 49

45373 49

45377 60

45378 52

45380 52

45381 60

45382 52

45383 52

45384 49

45385 60

45387 49

45388 52

45389 52

45390 52

45400 6

45402 6

45403 6

45404 6

45405 6

45406 6

45408 6

45409 6

45410 6

45414 6

45415 6

45416 6

45417 6

45418 6

45419 6

45420 6

45423 6

45424 49

45426 6

45427 6

45429 6

45430 49




ZIP FIC Terr.

45431 60

45432 49

45433 49

45434 49

45439 6

45440 49

45449 6

45458 49

45459 49

45479 6

45501 22

45502 52

45503 22

45504 22

45505 22

45506 22

45601 51

45612 60

45613 51

45614 36

45616 51

45617 60

45618 51

45619 36

45620 36

45621 51

45622 51

45623 36

45624 51

45628 60

45629 36

45630 36

45631 36

45633 60

45634 51

45636 36

45638 36

45640 51

45642 51

45643 36

ZIP FIC Terr.

45644 60

45645 51

45646 51

45647 60

45648 51

45650 51

45651 51

45652 36

45653 51

45654 51

45656 36

45657 51

45658 36

45659 36

45660 51

45661 51

45662 36

45663 36

45669 36

45671 51

45672 51

45673 60

45674 36

45675 36

45677 36

45678 36

45679 51

45680 36

45681 60

45682 51

45683 51

45684 51

45685 36

45686 36

45687 51

45688 36

45690 51

45692 51

45693 51

45694 36

ZIP FIC Terr.

45695 51

45696 36

45697 51

45698 51

45701 51

45710 51

45711 51

45712 36

45713 36

45714 36

45715 51

45716 51

45717 51

45719 51

45720 36

45721 36

45723 51

45724 51

45727 51

45729 36

45732 51

45734 36

45735 51

45739 51

45740 51

45741 36

45742 51

45743 36

45744 51

45745 36

45746 51

45750 36

45760 36

45761 51

45764 51

45766 51

45767 36

45768 36

45769 36

45770 36

ZIP FIC Terr.

45771 36

45772 36

45773 36

45775 36

45776 51

45777 51

45778 51

45779 36

45780 51

45782 20

45783 36

45784 36

45786 51

45787 36

45788 36

45789 36

45801 31

45802 31

45804 31

45805 31

45806 31

45807 31

45808 52

45809 52

45810 52

45812 52

45813 61

45814 52

45815 52

45816 52

45817 52

45819 52

45820 52

45821 61

45822 52

45826 52

45827 52

45828 52

45830 52

45831 61




ZIP FIC Terr.

45832 52

45833 52

45835 52

45836 52

45837 52

45838 52

45839 52

45840 52

45841 52

45843 52

45844 52

45845 52

45846 52

45848 52

45849 52

45850 52

45851 52

45853 52

45854 52

45855 52

45856 52

45858 52

45859 52

45860 52

45861 52

45862 52

45863 52

45864 52

45865 52

45866 52

45867 52

45868 52

45869 52

45870 52

45871 52

45872 52

45873 52

45874 52

45875 52

45876 52

ZIP FIC Terr.

45877 52

45879 52

45880 52

45881 52

45882 52

45883 52

45884 52

45885 52

45886 52

45887 52

45888 52

45889 52

45890 52

45891 52

45893 52

45894 52

45895 52

45896 52

45897 52

45898 52

45899 52

Ohio Private Passenger Auto Rating Order of Calculation

Ohio PPA Rates PPA-R-1 Effective 02/03/2020 NB & 03/07/20 RN

Bodily Injury

BI Prem = BI Base Rate * Liability Territory Factor * Liability Driver Class Factor (rounded to 0 decimals)

BI Prem 1 = BI Prem * Liability Only Factor * (Discounts + Points Factor) (rounded to 0 decimals)

BI Prem 2 = BI Prem 1 * Symbol Factor (rounded to 0 decimals)

BI Prem 3 = BI Prem 2 * Age Factor (rounded to 0 decimals)

BI Prem 4 = BI Prem 3 * BI Increased Limits Factor (rounded to 0 decimals)

BI Prem 5 = BI Prem 4 * Prior Insurance Factor (rounded to 0 decimals)

BI Prem 6 = BI Prem 5 * Credit Score Factor (rounded to 0 decimals)

BI Prem 7 = BI Prem 6 * (Surcharges Factor) (rounded to 0 decimals)

BI Prem 8 = BI Prem 7 * Term Factor (rounded to 0 decimals)

Property Damage PD Prem = PD Base Rate * Liability Territory Factor * Liability Driver Class Factor (rounded to 0 decimals)

PD Prem 1 = PD Prem * Liability Only Factor * (Discounts + Points Factor) (rounded to 0 decimals)

PD Prem 2 = PD Prem 1 * Symbol Factor (rounded to 0 decimals)

PD Prem 3 = PD Prem 2 * Age Factor (rounded to 0 decimals)

PD Prem 4 = PD Prem 3 * PD Increased Limits Factor (rounded to 0 decimals)

PD Prem 5 = PD Prem 4 * Prior Insurance Factor (rounded to 0 decimals)

PD Prem 6 = PD Prem 5 * Credit Score Factor (rounded to 0 decimals)

PD Prem 7 = PD Prem 6 * (Surcharges Factor) (rounded to 0 decimals)

PD Prem 8 = PD Prem 7 * Term Factor (rounded to 0 decimals)

Medical Payments Med Prem = Med Base Rate by Limit * Credit Score Factor (rounded to 0 decimals)

Med Prem 1 = Med Prem * Term Factor (rounded to 0 decimals)

Uninsured Motorist / Underinsured Motorist UM Prem = UM Base Rate by Territory & Limit * Term Factor (rounded to 0 decimals)

UIM Prem = UIM Base Rate by Territory & Limit * Term Factor (rounded to 0 decimals)

Underinsured Motorist Property Damage UMPD Prem = UMPD Base Rate * Credit Score Factor (rounded to 0 decimals)

UMPD Prem 1 = UMPD Prem * Term Factor (rounded to 0 decimals)

Comprehensive COMP Prem = COMP Base Rate * COMP Territory Factor * Driver COMP Class Factor (rounded to 0 decimals)

COMP Prem 1 = COMP Prem * Vehicle Age Factor * COMP Vehicle Symbol Factor * COMP Deductible Factor

(rounded to 0 decimals)

COMP Prem 2 = COMP Prem 1 * COMP Point Surcharge Factor * (Discounts + Points Factor) (rounded to 0 decimals)

COMP Prem 3 = COMP Prem 2 * Prior Insurance Factor (rounded to 0 decimals)

COMP Prem 4 = COMP Prem 3 * Credit Score Factor (rounded to 0 decimals)

COMP Prem 5 = COMP Prem 4 * (Surcharges Factor) (rounded to 0 decimals)

COMP Prem 6 = COMP Prem 5 * Term Factor (rounded to 0 decimals)

Collision COLL Prem = COLL Base Rate * COLL Territory Factor * Driver COLL Class Factor (rounded to 0 decimals)

COLL Prem 1 = COLL Prem * Vehicle Age Factor * COLL Vehicle Symbol Factor * COLL Deductible Factor

(rounded to 0 decimals)

COLL Prem 2 = COLL Prem 1 * COLL Point Surcharge Factor * (Discounts + Points Factor) (rounded to 0 decimals)

COLL Prem 3 = COLL Prem 2 * Prior Insurance Factor (rounded to 0 decimals)

COLL Prem 4 = COLL Prem 3 * Credit Score Factor (rounded to 0 decimals)

COLL Prem 5 = COLL Prem 4 * (Surcharges Factor) (rounded to 0 decimals)

COLL Prem 6 = COLL Prem 5 * Term Factor (rounded to 0 decimals)

Towing Towing Prem = Towing Selected Option Rate * Term Factor (rounded to 0 decimals)

Rental/Transportation Expenses Rental Prem = Rental Rate * Term Factor (rounded to 0 decimals)

Limited Transportation Network Driver Coverage (No Passenger) Limited TNC Prem = Limited TNC Rate * Number of TNC Drivers * Term Factor (rounded to 0 decimals)

Ohio Private Passenger Auto Rating Order of Calculation


Legal Expense

Legal Expense Prem = Legal Expense Rate * Term Factor (rounded to 0 decimals)

Accidental Death Accident Death Prem = Accidental Death Rate * Term Factor (rounded to 0 decimals)

Basic Tenant Personal Property & Liability Enhancement Endorsement (PPLEE) PPLEE Prem = PPLEE Rate * Term Factor (rounded to 0 decimals)

Emergency Roadside Assistance Roadside Premium = Roadside Term Plan Rate (rounded to 0 decimals)

Ohio Private Passenger Auto Rates (Annual)


Base Rates

Policy Term Factors Not Applicable to:

• Minimum Earned Policy Premium

• Emergency Roadside Assistance Policy Term Plans

Coverage Base Rate Length of Policy Term Factor

Bodily Injury (BI) $362 6 Months 0.50

Property Damage (PD) $367 12 Months 1.00

Comprehensive (COMP) $181 For policy terms other than those shown above, calculate a prorated factor of number of days in policy term / number of days in year (366 for leap years). Collision (COLL) $681

Increased Limits Factors Minimum Earned Policy Premium

Coverage Limits Factor Policy Type Amount

BI $25,000/$50,000 1.00 New $60

BI $50,000/$100,000 1.28 Renewal $0

BI $100,000/$300,000 1.60 Uninsured Motorist Property Damage (UMPD) Base Rate PD $25,000 1.00

PD $50,000 1.13 Coverage Limit Base Rate

$7,500 $53

Medical Payments (MED) Base Rates By Limit

Underinsured Motorist (UIM) Base Rates By Territory and Limit of Liability

Coverage Limit Base Rate Territory $50,000/$100,000 $100,000/$300,000 $500 $29 71 $30 $40

$1,000 $39 72 $30 $40 $2,000 $54 73 $34 $45 $5,000 $69 75 $30 $40

76 $30 $40

77 $31 $42

80 $30 $40

All Other $29 $39

Uninsured Motorist (UM) Base Rates By Territory and Limit of Liability

Territory $12,500/$25,000 $25,000/$50,000 $50,000/$100,000 $100,000/$300,000 71 $101 $151 $205 $241

72 $99 $147 $202 $237

73 $113 $170 $232 $276

75 $101 $151 $205 $241

76 $101 $151 $205 $241

77 $105 $155 $214 $251

80 $99 $147 $202 $237

All Other $98 $144 $199 $232



Point Surcharge Factors

Points Liability COMP COLL Points Liability COMP COLL Points Liability COMP COLL

0 1.00 1.00 1.00 18 2.80 1.10 2.80 36 9.99 3.14 9.99

1 1.12 1.00 1.12 19 2.90 1.10 2.90 37 10.98 3.45 10.98

2 1.21 1.00 1.21 20 3.00 1.10 3.00 38 12.08 3.80 12.08

3 1.26 1.00 1.26 21 3.10 1.10 3.10 39 13.29 4.18 13.29

4 1.31 1.00 1.31 22 3.20 1.10 3.20 40 14.62 4.59 14.62

5 1.35 1.00 1.35 23 3.30 1.10 3.30 41 16.08 5.05 16.08

6 1.50 1.00 1.50 24 3.40 1.10 3.40 42 17.69 5.56 17.69

7 1.65 1.00 1.65 25 3.50 1.10 3.50 43 19.46 6.12 19.46

8 1.80 1.00 1.80 26 3.85 1.21 3.85 44 21.41 6.73 21.41

9 1.90 1.00 1.90 27 4.24 1.33 4.24 45 23.55 7.40 23.55

10 2.00 1.00 2.00 28 4.66 1.46 4.66 46 25.90 8.14 25.90

11 2.10 1.10 2.10 29 5.12 1.61 5.12 47 28.49 8.95 28.49

12 2.20 1.10 2.20 30 5.64 1.77 5.64 48 31.34 9.85 31.34

13 2.30 1.10 2.30 31 6.20 1.95 6.20 49 34.47 10.83 34.47

14 2.40 1.10 2.40 32 6.82 2.14 6.82 50 37.92 11.92 37.92

15 2.50 1.10 2.50 33 7.50 2.36 7.50 Multiply by a factor of 1.10 for each

additional point above 50 points. 16 2.60 1.10 2.60 34 8.25 2.59 8.25

17 2.70 1.10 2.70 35 9.08 2.85 9.08

Territory Factors

Territory BI PD COMP COLL 70 0.939 0.983 1.239 1.187

71 1.593 1.740 1.469 1.812

72 1.039 1.048 1.110 1.189

73 1.455 1.316 1.527 1.520

74 1.638 1.990 1.342 1.565

75 1.539 1.245 1.569 1.550

76 1.711 1.458 1.472 1.522

77 1.337 1.206 1.435 1.503

78 0.785 0.819 1.214 1.177

79 1.149 1.138 1.371 1.543

80 1.252 1.236 1.108 1.096

81 0.801 0.857 1.177 1.096

82 1.104 1.164 0.931 1.272

83 1.569 1.438 1.144 1.352

84 0.898 0.967 1.363 1.260

85 1.264 1.507 1.249 1.417

86 1.275 1.628 1.056 1.346

87 1.318 1.521 1.184 1.507

88 0.824 0.832 1.086 1.163

89 0.877 0.920 1.261 1.139

90 0.967 1.007 1.076 1.118

91 0.979 1.030 1.050 1.156

92 1.361 1.284 1.262 1.390



Liability Only Policy Factors (Not Applicable to Named Non-Owner)

Deductible Factors

Coverage Factor Deductible Amount COMP COLL

BI 0.77 $250 1.30 1.30

PD 0.77 $500 1.00 1.00

$1,000 0.75 0.75

Discount Factors – BI, PD, COMP, & COLL1

Description Discount Amount Description Discount Amount

Multi-Car 2 25.0% Named Non-Owner 3 50.0%

Homeowner 2 10.0% Paid in Full 4 8.0%

Senior Operator 2

(Over Age 55 / Defensive Driver Course Completed)

5.0%

Advance Purchase

# Days In Advance

Founders Renewal

(Accident Free) 2

3.0% (6-month renewal)

6.0% (12-month renewal)

0-2 0.0%

3-7 5.0%

8-14 9.0%

15-30 9.0%

31+ 9.0%

1 Total Discount to be calculated on an additive basis, subject to

the Maximum Discount amount shown below:

2 Discount factor not applicable to Non-Owner policies. 3 Named Non-Owner Discount only applies to BI and PD.

Maximum Discount Amount 4 Direct Bill only. PPA Policy 40% Non-Owner Policy 58%

Surcharge Factors - BI, PD, COMP & COLL

Surcharge Amount Surcharge Factor License Type

• Valid Driver’s License (OH, IL, IN and WI) 0.0% 1.00

• International/Foreign Driver’s License (If Never Licensed in the United States)

10.0% 1.10

• Out of State Driver’s License (excluding IL, IN and WI) 10.0% 1.10

Inexperienced Driver 20.0% 1.20

Financial Responsibility Filing (SR-22) 13.0% 1.13

Business Use 20.0% 1.20

Ineligible Risk 200.0% 3.00

Ineligible Replacement Vehicle1 100.0% 2.00

1 Ineligible Replacement Vehicle Surcharge only applies to COLL and COMP for the ineligible replacement vehicle.

BI/PD Vehicle Symbols / Factors

BI/PD Symbol BI PD BI/PD Symbol BI PD BI/PD Symbol BI PD

Unpublished 1.00 1.00 275 0.91 0.91 340 1.23 1.23

215 0.57 0.57 280 0.93 0.93 345 1.27 1.27

220 0.58 0.58 285 0.95 0.95 350 1.32 1.32

225 0.60 0.60 290 0.97 0.97 355 1.36 1.36

230 0.62 0.62 295 0.99 0.99 360 1.41 1.41

235 0.65 0.65 300 1.00 1.00 365 1.45 1.45

240 0.69 0.69 305 1.02 1.02 370 1.49 1.49

245 0.73 0.73 310 1.05 1.05 375 1.54 1.54



BI/PD Vehicle Symbols / Factors

BI/PD Symbol BI PD BI/PD Symbol BI PD BI/PD Symbol BI PD

250 0.77 0.77 315 1.07 1.07 380 1.58 1.58

255 0.81 0.81 320 1.09 1.09 385 1.62 1.62

260 0.84 0.84 325 1.12 1.12 390 1.67 1.67

265 0.87 0.87 330 1.15 1.15

270 0.89 0.89 335 1.19 1.19

COMP and COLL Vehicle Symbols / Factors

Model Year

2010 & Prior 2010 & Prior 2011 & Later 2011 & Later Symbol COMP Factor COLL Factor COMP Factor COLL Factor

01 0.38 0.62 0.31 0.44

02 0.49 0.70 0.38 0.55

03 0.59 0.77 0.47 0.67

04 0.67 0.82 0.58 0.77

05 0.75 0.86 0.66 0.82

06 0.84 0.90 0.73 0.85

07 0.92 0.95 0.81 0.88

08 1.00 1.00 0.87 0.92

10 1.09 1.05 0.94 0.96

11 1.20 1.10 1.00 1.00

12 1.31 1.15 1.06 1.03

13 1.43 1.21 1.11 1.06

14 1.56 1.28 1.16 1.08

15 1.72 1.37 1.22 1.11

16 1.87 1.44 1.27 1.13

17 2.02 1.52 1.33 1.16

18 2.16 1.60 1.39 1.19

19 2.34 1.68 1.44 1.22

20 2.54 1.76 1.49 1.24

21 2.77 1.84 1.54 1.27

22 3.06 1.94 1.59 1.30

23 1.64 1.33

24 1.69 1.35

25 1.74 1.38

26 1.78 1.40

27 1.83 1.42

28 1.88 1.45

29 1.92 1.47

30 1.97 1.50

31 2.02 1.52

32 2.06 1.54

33 2.10 1.57

34 2.15 1.59

35 2.19 1.61

36 2.25 1.64

37 2.32 1.67

38 2.39 1.70

39 2.45 1.72

40 2.52 1.75

41 2.58 1.77

42 2.65 1.80

43 2.71 1.82

44 2.78 1.84



COMP and COLL Vehicle Symbols / Factors

Model Year

2010 & Prior 2010 & Prior 2011 & Later 2011 & Later Symbol COMP Factor COLL Factor COMP Factor COLL Factor

45 2.84 1.86

46 2.91 1.89

47 2.99 1.92

48 3.07 1.94

49 3.15 1.97

Vehicle Age Factors

Age BI PD COMP COLL 1 0.91 0.90 1.00 1.00

2 0.93 0.92 0.96 0.94

3 0.95 0.94 0.91 0.89

4 0.97 0.96 0.85 0.83

5 0.99 0.96 0.80 0.78

6 0.99 0.97 0.75 0.73

7 0.99 0.96 0.72 0.69

8 0.99 0.96 0.69 0.65

9 0.99 0.96 0.67 0.61

10 0.99 0.96 0.65 0.57

11 0.99 0.96 0.64 0.54

12 0.98 0.95 0.63 0.52

13 0.97 0.94 0.62 0.50

14 0.96 0.93 0.61 0.48

15 0.94 0.91 0.60 0.47

16 0.93 0.90 0.59 0.46

17 0.92 0.89 0.58 0.45

18 0.90 0.86 0.57 0.44

19 0.88 0.84 0.56 0.43

20+ 0.85 0.81 0.55 0.42

Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”

Minimum # Months With

Prior Insurance

Minimum # Days With

Coverage Lapse

Minimum Prior Policy BI Per

Occurrence Limit (000)

Prior Policy Cancelled during

1st 60 Days of Term

( Y / N )

Prior Policy Minimum # Cancels During Policy Term

Prior Insurance

Factor

0 0 0 N 0 0.937

0 0 0 N 1 0.937

0 0 0 N 2 0.937

0 0 0 N 3 0.937

0 0 0 Y 0 0.937

0 0 0 Y 1 0.937

0 0 0 Y 2 0.937

0 0 0 Y 3 0.937

0 0 50 N 0 0.937

0 0 50 N 1 0.937

0 0 50 N 2 0.937





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

0 0 50 N 3 0.937

0 0 50 Y 0 0.937

0 0 50 Y 1 0.937

0 0 50 Y 2 0.937

0 0 50 Y 3 0.937

0 0 100 N 0 0.937

0 0 100 N 1 0.937

0 0 100 N 2 0.937

0 0 100 N 3 0.937

0 0 100 Y 0 0.937

0 0 100 Y 1 0.937

0 0 100 Y 2 0.937

0 0 100 Y 3 0.937

0 0 300 N 0 0.993

0 0 300 N 1 0.993

0 0 300 N 2 0.993

0 0 300 N 3 0.993

0 0 300 Y 0 0.993

0 0 300 Y 1 0.993

0 0 300 Y 2 0.993

0 0 300 Y 3 0.993

0 0 500 N 0 0.965

0 0 500 N 1 0.965

0 0 500 N 2 0.965

0 0 500 N 3 0.965

0 0 500 Y 0 0.965

0 0 500 Y 1 0.965

0 0 500 Y 2 0.965

0 0 500 Y 3 0.965

0 1 0 N 0 0.937

0 1 0 N 1 0.937

0 1 0 N 2 0.937

0 1 0 N 3 0.937

0 1 0 Y 0 0.937

0 1 0 Y 1 0.937

0 1 0 Y 2 0.937

0 1 0 Y 3 0.937

0 1 50 N 0 0.937

0 1 50 N 1 0.937

0 1 50 N 2 0.937

0 1 50 N 3 0.937

0 1 50 Y 0 0.937

0 1 50 Y 1 0.937

0 1 50 Y 2 0.937





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

0 1 50 Y 3 0.937

0 1 100 N 0 0.937

0 1 100 N 1 0.937

0 1 100 N 2 0.937

0 1 100 N 3 0.937

0 1 100 Y 0 0.937

0 1 100 Y 1 0.937

0 1 100 Y 2 0.937

0 1 100 Y 3 0.937

0 1 300 N 0 0.993

0 1 300 N 1 0.993

0 1 300 N 2 0.993

0 1 300 N 3 0.993

0 1 300 Y 0 0.993

0 1 300 Y 1 0.993

0 1 300 Y 2 0.993

0 1 300 Y 3 0.993

0 1 500 N 0 0.965

0 1 500 N 1 0.965

0 1 500 N 2 0.965

0 1 500 N 3 0.965

0 1 500 Y 0 0.965

0 1 500 Y 1 0.965

0 1 500 Y 2 0.965

0 1 500 Y 3 0.965

0 31 0 N 0 0.937

0 31 0 N 1 0.937

0 31 0 N 2 0.937

0 31 0 N 3 0.937

0 31 0 Y 0 0.937

0 31 0 Y 1 0.937

0 31 0 Y 2 0.937

0 31 0 Y 3 0.937

0 31 50 N 0 0.937

0 31 50 N 1 0.937

0 31 50 N 2 0.937

0 31 50 N 3 0.937

0 31 50 Y 0 0.937

0 31 50 Y 1 0.937

0 31 50 Y 2 0.937

0 31 50 Y 3 0.937

0 31 100 N 0 0.937

0 31 100 N 1 0.937

0 31 100 N 2 0.937





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

0 31 100 N 3 0.937

0 31 100 Y 0 0.937

0 31 100 Y 1 0.937

0 31 100 Y 2 0.937

0 31 100 Y 3 0.937

0 31 300 N 0 0.993

0 31 300 N 1 0.993

0 31 300 N 2 0.993

0 31 300 N 3 0.993

0 31 300 Y 0 0.993

0 31 300 Y 1 0.993

0 31 300 Y 2 0.993

0 31 300 Y 3 0.993

0 31 500 N 0 0.965

0 31 500 N 1 0.965

0 31 500 N 2 0.965

0 31 500 N 3 0.965

0 31 500 Y 0 0.965

0 31 500 Y 1 0.965

0 31 500 Y 2 0.965

0 31 500 Y 3 0.965

0 121 0 N 0 0.909

0 121 0 N 1 0.909

0 121 0 N 2 0.909

0 121 0 N 3 0.909

0 121 0 Y 0 0.909

0 121 0 Y 1 0.909

0 121 0 Y 2 0.909

0 121 0 Y 3 0.909

0 121 50 N 0 0.909

0 121 50 N 1 0.909

0 121 50 N 2 0.909

0 121 50 N 3 0.909

0 121 50 Y 0 0.909

0 121 50 Y 1 0.909

0 121 50 Y 2 0.909

0 121 50 Y 3 0.909

0 121 100 N 0 0.909

0 121 100 N 1 0.909

0 121 100 N 2 0.909

0 121 100 N 3 0.909

0 121 100 Y 0 0.909

0 121 100 Y 1 0.909

0 121 100 Y 2 0.909





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

0 121 100 Y 3 0.909

0 121 300 N 0 0.963

0 121 300 N 1 0.963

0 121 300 N 2 0.963

0 121 300 N 3 0.963

0 121 300 Y 0 0.963

0 121 300 Y 1 0.963

0 121 300 Y 2 0.963

0 121 300 Y 3 0.963

0 121 500 N 0 0.936

0 121 500 N 1 0.936

0 121 500 N 2 0.936

0 121 500 N 3 0.936

0 121 500 Y 0 0.936

0 121 500 Y 1 0.936

0 121 500 Y 2 0.936

0 121 500 Y 3 0.936

1 0 0 N 0 1.022

1 0 0 N 1 1.043

1 0 0 N 2 1.074

1 0 0 N 3 1.176

1 0 0 Y 0 1.227

1 0 0 Y 1 1.251

1 0 0 Y 2 1.289

1 0 0 Y 3 1.411

1 0 50 N 0 0.974

1 0 50 N 1 0.994

1 0 50 N 2 1.022

1 0 50 N 3 1.120

1 0 50 Y 0 1.168

1 0 50 Y 1 1.193

1 0 50 Y 2 1.227

1 0 50 Y 3 1.344

1 0 100 N 0 0.896

1 0 100 N 1 0.914

1 0 100 N 2 0.941

1 0 100 N 3 1.030

1 0 100 Y 0 1.075

1 0 100 Y 1 1.097

1 0 100 Y 2 1.129

1 0 100 Y 3 1.236

1 0 300 N 0 0.867

1 0 300 N 1 0.885

1 0 300 N 2 0.911





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

1 0 300 N 3 0.997

1 0 300 Y 0 1.041

1 0 300 Y 1 1.062

1 0 300 Y 2 1.092

1 0 300 Y 3 1.197

1 0 500 N 0 0.813

1 0 500 N 1 0.829

1 0 500 N 2 0.853

1 0 500 N 3 0.935

1 0 500 Y 0 0.975

1 0 500 Y 1 0.995

1 0 500 Y 2 1.023

1 0 500 Y 3 1.122

1 1 0 N 0 1.132

1 1 0 N 1 1.155

1 1 0 N 2 1.188

1 1 0 N 3 1.301

1 1 0 Y 0 1.358

1 1 0 Y 1 1.385

1 1 0 Y 2 1.426

1 1 0 Y 3 1.562

1 1 50 N 0 1.078

1 1 50 N 1 1.099

1 1 50 N 2 1.132

1 1 50 N 3 1.240

1 1 50 Y 0 1.293

1 1 50 Y 1 1.319

1 1 50 Y 2 1.358

1 1 50 Y 3 1.487

1 1 100 N 0 0.991

1 1 100 N 1 1.011

1 1 100 N 2 1.041

1 1 100 N 3 1.140

1 1 100 Y 0 1.189

1 1 100 Y 1 1.213

1 1 100 Y 2 1.249

1 1 100 Y 3 1.369

1 1 300 N 0 0.959

1 1 300 N 1 0.979

1 1 300 N 2 1.007

1 1 300 N 3 1.103

1 1 300 Y 0 1.152

1 1 300 Y 1 1.174

1 1 300 Y 2 1.209





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

1 1 300 Y 3 1.324

1 1 500 N 0 0.899

1 1 500 N 1 0.917

1 1 500 N 2 0.944

1 1 500 N 3 1.034

1 1 500 Y 0 1.079

1 1 500 Y 1 1.100

1 1 500 Y 2 1.132

1 1 500 Y 3 1.240

1 31 0 N 0 1.197

1 31 0 N 1 1.220

1 31 0 N 2 1.257

1 31 0 N 3 1.377

1 31 0 Y 0 1.436

1 31 0 Y 1 1.465

1 31 0 Y 2 1.508

1 31 0 Y 3 1.651

1 31 50 N 0 1.140

1 31 50 N 1 1.163

1 31 50 N 2 1.197

1 31 50 N 3 1.311

1 31 50 Y 0 1.367

1 31 50 Y 1 1.395

1 31 50 Y 2 1.436

1 31 50 Y 3 1.573

1 31 100 N 0 1.049

1 31 100 N 1 1.070

1 31 100 N 2 1.101

1 31 100 N 3 1.206

1 31 100 Y 0 1.258

1 31 100 Y 1 1.283

1 31 100 Y 2 1.321

1 31 100 Y 3 1.447

1 31 300 N 0 1.015

1 31 300 N 1 1.035

1 31 300 N 2 1.065

1 31 300 N 3 1.167

1 31 300 Y 0 1.218

1 31 300 Y 1 1.242

1 31 300 Y 2 1.279

1 31 300 Y 3 1.401

1 31 500 N 0 0.951

1 31 500 N 1 0.970

1 31 500 N 2 0.999





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

1 31 500 N 3 1.093

1 31 500 Y 0 1.141

1 31 500 Y 1 1.164

1 31 500 Y 2 1.199

1 31 500 Y 3 1.312

1 121 0 N 0 1.583

1 121 0 N 1 1.614

1 121 0 N 2 1.662

1 121 0 N 3 1.820

1 121 0 Y 0 1.900

1 121 0 Y 1 1.938

1 121 0 Y 2 1.995

1 121 0 Y 3 2.184

1 121 50 N 0 1.508

1 121 50 N 1 1.538

1 121 50 N 2 1.583

1 121 50 N 3 1.733

1 121 50 Y 0 1.809

1 121 50 Y 1 1.845

1 121 50 Y 2 1.900

1 121 50 Y 3 2.080

1 121 100 N 0 1.387

1 121 100 N 1 1.414

1 121 100 N 2 1.457

1 121 100 N 3 1.595

1 121 100 Y 0 1.664

1 121 100 Y 1 1.698

1 121 100 Y 2 1.748

1 121 100 Y 3 1.914

1 121 300 N 0 1.342

1 121 300 N 1 1.369

1 121 300 N 2 1.409

1 121 300 N 3 1.544

1 121 300 Y 0 1.610

1 121 300 Y 1 1.644

1 121 300 Y 2 1.691

1 121 300 Y 3 1.853

1 121 500 N 0 1.258

1 121 500 N 1 1.283

1 121 500 N 2 1.320

1 121 500 N 3 1.447

1 121 500 Y 0 1.510

1 121 500 Y 1 1.540

1 121 500 Y 2 1.584





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

1 121 500 Y 3 1.736

6 0 0 N 0 0.853

6 0 0 N 1 0.871

6 0 0 N 2 0.897

6 0 0 N 3 0.982

6 0 0 Y 0 1.024

6 0 0 Y 1 1.044

6 0 0 Y 2 1.076

6 0 0 Y 3 1.178

6 0 50 N 0 0.813

6 0 50 N 1 0.829

6 0 50 N 2 0.853

6 0 50 N 3 0.935

6 0 50 Y 0 0.975

6 0 50 Y 1 0.996

6 0 50 Y 2 1.024

6 0 50 Y 3 1.122

6 0 100 N 0 0.748

6 0 100 N 1 0.763

6 0 100 N 2 0.785

6 0 100 N 3 0.860

6 0 100 Y 0 0.898

6 0 100 Y 1 0.916

6 0 100 Y 2 0.943

6 0 100 Y 3 1.032

6 0 300 N 0 0.724

6 0 300 N 1 0.739

6 0 300 N 2 0.760

6 0 300 N 3 0.832

6 0 300 Y 0 0.869

6 0 300 Y 1 0.886

6 0 300 Y 2 0.912

6 0 300 Y 3 0.999

6 0 500 N 0 0.678

6 0 500 N 1 0.692

6 0 500 N 2 0.712

6 0 500 N 3 0.780

6 0 500 Y 0 0.814

6 0 500 Y 1 0.831

6 0 500 Y 2 0.854

6 0 500 Y 3 0.936

6 1 0 N 0 0.945

6 1 0 N 1 0.964

6 1 0 N 2 0.992





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

6 1 0 N 3 1.086

6 1 0 Y 0 1.134

6 1 0 Y 1 1.156

6 1 0 Y 2 1.190

6 1 0 Y 3 1.304

6 1 50 N 0 0.900

6 1 50 N 1 0.918

6 1 50 N 2 0.945

6 1 50 N 3 1.035

6 1 50 Y 0 1.079

6 1 50 Y 1 1.101

6 1 50 Y 2 1.134

6 1 50 Y 3 1.241

6 1 100 N 0 0.828

6 1 100 N 1 0.844

6 1 100 N 2 0.869

6 1 100 N 3 0.951

6 1 100 Y 0 0.993

6 1 100 Y 1 1.013

6 1 100 Y 2 1.043

6 1 100 Y 3 1.142

6 1 300 N 0 0.801

6 1 300 N 1 0.817

6 1 300 N 2 0.841

6 1 300 N 3 0.921

6 1 300 Y 0 0.962

6 1 300 Y 1 0.980

6 1 300 Y 2 1.009

6 1 300 Y 3 1.105

6 1 500 N 0 0.750

6 1 500 N 1 0.765

6 1 500 N 2 0.788

6 1 500 N 3 0.863

6 1 500 Y 0 0.901

6 1 500 Y 1 0.919

6 1 500 Y 2 0.945

6 1 500 Y 3 1.035

6 31 0 N 0 0.999

6 31 0 N 1 1.019

6 31 0 N 2 1.049

6 31 0 N 3 1.149

6 31 0 Y 0 1.199

6 31 0 Y 1 1.223

6 31 0 Y 2 1.259





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

6 31 0 Y 3 1.379

6 31 50 N 0 0.951

6 31 50 N 1 0.971

6 31 50 N 2 0.999

6 31 50 N 3 1.094

6 31 50 Y 0 1.141

6 31 50 Y 1 1.164

6 31 50 Y 2 1.199

6 31 50 Y 3 1.313

6 31 100 N 0 0.876

6 31 100 N 1 0.893

6 31 100 N 2 0.919

6 31 100 N 3 1.007

6 31 100 Y 0 1.050

6 31 100 Y 1 1.071

6 31 100 Y 2 1.103

6 31 100 Y 3 1.208

6 31 300 N 0 0.848

6 31 300 N 1 0.864

6 31 300 N 2 0.889

6 31 300 N 3 0.974

6 31 300 Y 0 1.017

6 31 300 Y 1 1.037

6 31 300 Y 2 1.067

6 31 300 Y 3 1.169

6 31 500 N 0 0.794

6 31 500 N 1 0.810

6 31 500 N 2 0.834

6 31 500 N 3 0.913

6 31 500 Y 0 0.952

6 31 500 Y 1 0.972

6 31 500 Y 2 1.001

6 31 500 Y 3 1.096

6 121 0 N 0 1.321

6 121 0 N 1 1.347

6 121 0 N 2 1.387

6 121 0 N 3 1.520

6 121 0 Y 0 1.586

6 121 0 Y 1 1.617

6 121 0 Y 2 1.665

6 121 0 Y 3 1.823

6 121 50 N 0 1.259

6 121 50 N 1 1.284

6 121 50 N 2 1.321





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

6 121 50 N 3 1.447

6 121 50 Y 0 1.510

6 121 50 Y 1 1.540

6 121 50 Y 2 1.586

6 121 50 Y 3 1.737

6 121 100 N 0 1.157

6 121 100 N 1 1.181

6 121 100 N 2 1.216

6 121 100 N 3 1.332

6 121 100 Y 0 1.389

6 121 100 Y 1 1.417

6 121 100 Y 2 1.459

6 121 100 Y 3 1.598

6 121 300 N 0 1.120

6 121 300 N 1 1.143

6 121 300 N 2 1.177

6 121 300 N 3 1.289

6 121 300 Y 0 1.344

6 121 300 Y 1 1.372

6 121 300 Y 2 1.412

6 121 300 Y 3 1.547

6 121 500 N 0 1.050

6 121 500 N 1 1.071

6 121 500 N 2 1.102

6 121 500 N 3 1.208

6 121 500 Y 0 1.260

6 121 500 Y 1 1.285

6 121 500 Y 2 1.323

6 121 500 Y 3 1.449

12 0 0 N 0 0.759

12 0 0 N 1 0.773

12 0 0 N 2 0.796

12 0 0 N 3 0.872

12 0 0 Y 0 0.910

12 0 0 Y 1 0.928

12 0 0 Y 2 0.956

12 0 0 Y 3 1.047

12 0 50 N 0 0.722

12 0 50 N 1 0.737

12 0 50 N 2 0.759

12 0 50 N 3 0.831

12 0 50 Y 0 0.866

12 0 50 Y 1 0.884

12 0 50 Y 2 0.910





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

12 0 50 Y 3 0.997

12 0 100 N 0 0.664

12 0 100 N 1 0.678

12 0 100 N 2 0.698

12 0 100 N 3 0.764

12 0 100 Y 0 0.798

12 0 100 Y 1 0.813

12 0 100 Y 2 0.837

12 0 100 Y 3 0.917

12 0 300 N 0 0.643

12 0 300 N 1 0.655

12 0 300 N 2 0.675

12 0 300 N 3 0.740

12 0 300 Y 0 0.772

12 0 300 Y 1 0.787

12 0 300 Y 2 0.810

12 0 300 Y 3 0.887

12 0 500 N 0 0.603

12 0 500 N 1 0.615

12 0 500 N 2 0.633

12 0 500 N 3 0.692

12 0 500 Y 0 0.723

12 0 500 Y 1 0.738

12 0 500 Y 2 0.759

12 0 500 Y 3 0.832

12 1 0 N 0 0.839

12 1 0 N 1 0.856

12 1 0 N 2 0.881

12 1 0 N 3 0.965

12 1 0 Y 0 1.006

12 1 0 Y 1 1.027

12 1 0 Y 2 1.057

12 1 0 Y 3 1.157

12 1 50 N 0 0.799

12 1 50 N 1 0.815

12 1 50 N 2 0.839

12 1 50 N 3 0.919

12 1 50 Y 0 0.958

12 1 50 Y 1 0.978

12 1 50 Y 2 1.006

12 1 50 Y 3 1.103

12 1 100 N 0 0.735

12 1 100 N 1 0.750

12 1 100 N 2 0.772





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

12 1 100 N 3 0.846

12 1 100 Y 0 0.882

12 1 100 Y 1 0.900

12 1 100 Y 2 0.926

12 1 100 Y 3 1.014

12 1 300 N 0 0.712

12 1 300 N 1 0.726

12 1 300 N 2 0.747

12 1 300 N 3 0.819

12 1 300 Y 0 0.854

12 1 300 Y 1 0.871

12 1 300 Y 2 0.896

12 1 300 Y 3 0.982

12 1 500 N 0 0.666

12 1 500 N 1 0.680

12 1 500 N 2 0.700

12 1 500 N 3 0.767

12 1 500 Y 0 0.800

12 1 500 Y 1 0.816

12 1 500 Y 2 0.840

12 1 500 Y 3 0.920

12 31 0 N 0 0.888

12 31 0 N 1 0.906

12 31 0 N 2 0.932

12 31 0 N 3 1.020

12 31 0 Y 0 1.065

12 31 0 Y 1 1.086

12 31 0 Y 2 1.118

12 31 0 Y 3 1.225

12 31 50 N 0 0.845

12 31 50 N 1 0.862

12 31 50 N 2 0.888

12 31 50 N 3 0.972

12 31 50 Y 0 1.014

12 31 50 Y 1 1.035

12 31 50 Y 2 1.065

12 31 50 Y 3 1.166

12 31 100 N 0 0.777

12 31 100 N 1 0.793

12 31 100 N 2 0.816

12 31 100 N 3 0.894

12 31 100 Y 0 0.933

12 31 100 Y 1 0.952

12 31 100 Y 2 0.980





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

12 31 100 Y 3 1.073

12 31 300 N 0 0.752

12 31 300 N 1 0.768

12 31 300 N 2 0.791

12 31 300 N 3 0.865

12 31 300 Y 0 0.903

12 31 300 Y 1 0.921

12 31 300 Y 2 0.948

12 31 300 Y 3 1.039

12 31 500 N 0 0.706

12 31 500 N 1 0.720

12 31 500 N 2 0.740

12 31 500 N 3 0.811

12 31 500 Y 0 0.846

12 31 500 Y 1 0.863

12 31 500 Y 2 0.888

12 31 500 Y 3 0.973

12 121 0 N 0 1.174

12 121 0 N 1 1.197

12 121 0 N 2 1.233

12 121 0 N 3 1.350

12 121 0 Y 0 1.409

12 121 0 Y 1 1.436

12 121 0 Y 2 1.479

12 121 0 Y 3 1.620

12 121 50 N 0 1.118

12 121 50 N 1 1.141

12 121 50 N 2 1.174

12 121 50 N 3 1.285

12 121 50 Y 0 1.341

12 121 50 Y 1 1.368

12 121 50 Y 2 1.409

12 121 50 Y 3 1.543

12 121 100 N 0 1.029

12 121 100 N 1 1.049

12 121 100 N 2 1.080

12 121 100 N 3 1.183

12 121 100 Y 0 1.234

12 121 100 Y 1 1.259

12 121 100 Y 2 1.296

12 121 100 Y 3 1.419

12 121 300 N 0 0.996

12 121 300 N 1 1.016

12 121 300 N 2 1.045





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

12 121 300 N 3 1.145

12 121 300 Y 0 1.194

12 121 300 Y 1 1.218

12 121 300 Y 2 1.255

12 121 300 Y 3 1.373

12 121 500 N 0 0.933

12 121 500 N 1 0.952

12 121 500 N 2 0.979

12 121 500 N 3 1.072

12 121 500 Y 0 1.119

12 121 500 Y 1 1.142

12 121 500 Y 2 1.175

12 121 500 Y 3 1.288

36 0 0 N 0 0.662

36 0 0 N 1 0.675

36 0 0 N 2 0.695

36 0 0 N 3 0.761

36 0 0 Y 0 0.794

36 0 0 Y 1 0.810

36 0 0 Y 2 0.834

36 0 0 Y 3 0.914

36 0 50 N 0 0.631

36 0 50 N 1 0.643

36 0 50 N 2 0.662

36 0 50 N 3 0.725

36 0 50 Y 0 0.756

36 0 50 Y 1 0.771

36 0 50 Y 2 0.794

36 0 50 Y 3 0.870

36 0 100 N 0 0.580

36 0 100 N 1 0.592

36 0 100 N 2 0.609

36 0 100 N 3 0.667

36 0 100 Y 0 0.696

36 0 100 Y 1 0.710

36 0 100 Y 2 0.731

36 0 100 Y 3 0.801

36 0 300 N 0 0.561

36 0 300 N 1 0.573

36 0 300 N 2 0.589

36 0 300 N 3 0.645

36 0 300 Y 0 0.674

36 0 300 Y 1 0.687

36 0 300 Y 2 0.707





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

36 0 300 Y 3 0.774

36 0 500 N 0 0.526

36 0 500 N 1 0.536

36 0 500 N 2 0.552

36 0 500 N 3 0.605

36 0 500 Y 0 0.631

36 0 500 Y 1 0.644

36 0 500 Y 2 0.662

36 0 500 Y 3 0.726

36 1 0 N 0 0.732

36 1 0 N 1 0.747

36 1 0 N 2 0.769

36 1 0 N 3 0.843

36 1 0 Y 0 0.879

36 1 0 Y 1 0.897

36 1 0 Y 2 0.922

36 1 0 Y 3 1.011

36 1 50 N 0 0.697

36 1 50 N 1 0.712

36 1 50 N 2 0.732

36 1 50 N 3 0.802

36 1 50 Y 0 0.837

36 1 50 Y 1 0.854

36 1 50 Y 2 0.879

36 1 50 Y 3 0.962

36 1 100 N 0 0.642

36 1 100 N 1 0.655

36 1 100 N 2 0.674

36 1 100 N 3 0.738

36 1 100 Y 0 0.770

36 1 100 Y 1 0.786

36 1 100 Y 2 0.808

36 1 100 Y 3 0.885

36 1 300 N 0 0.621

36 1 300 N 1 0.633

36 1 300 N 2 0.653

36 1 300 N 3 0.714

36 1 300 Y 0 0.745

36 1 300 Y 1 0.760

36 1 300 Y 2 0.782

36 1 300 Y 3 0.857

36 1 500 N 0 0.582

36 1 500 N 1 0.594

36 1 500 N 2 0.611





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

36 1 500 N 3 0.669

36 1 500 Y 0 0.699

36 1 500 Y 1 0.712

36 1 500 Y 2 0.733

36 1 500 Y 3 0.803

36 31 0 N 0 0.774

36 31 0 N 1 0.790

36 31 0 N 2 0.813

36 31 0 N 3 0.891

36 31 0 Y 0 0.930

36 31 0 Y 1 0.948

36 31 0 Y 2 0.976

36 31 0 Y 3 1.069

36 31 50 N 0 0.738

36 31 50 N 1 0.752

36 31 50 N 2 0.774

36 31 50 N 3 0.848

36 31 50 Y 0 0.885

36 31 50 Y 1 0.903

36 31 50 Y 2 0.930

36 31 50 Y 3 1.018

36 31 100 N 0 0.678

36 31 100 N 1 0.693

36 31 100 N 2 0.713

36 31 100 N 3 0.781

36 31 100 Y 0 0.814

36 31 100 Y 1 0.831

36 31 100 Y 2 0.855

36 31 100 Y 3 0.937

36 31 300 N 0 0.657

36 31 300 N 1 0.670

36 31 300 N 2 0.690

36 31 300 N 3 0.755

36 31 300 Y 0 0.788

36 31 300 Y 1 0.804

36 31 300 Y 2 0.828

36 31 300 Y 3 0.906

36 31 500 N 0 0.615

36 31 500 N 1 0.628

36 31 500 N 2 0.646

36 31 500 N 3 0.707

36 31 500 Y 0 0.739

36 31 500 Y 1 0.753

36 31 500 Y 2 0.776





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

36 31 500 Y 3 0.849

36 121 0 N 0 1.025

36 121 0 N 1 1.045

36 121 0 N 2 1.076

36 121 0 N 3 1.179

36 121 0 Y 0 1.229

36 121 0 Y 1 1.254

36 121 0 Y 2 1.291

36 121 0 Y 3 1.414

36 121 50 N 0 0.976

36 121 50 N 1 0.995

36 121 50 N 2 1.025

36 121 50 N 3 1.122

36 121 50 Y 0 1.171

36 121 50 Y 1 1.194

36 121 50 Y 2 1.229

36 121 50 Y 3 1.346

36 121 100 N 0 0.898

36 121 100 N 1 0.916

36 121 100 N 2 0.943

36 121 100 N 3 1.032

36 121 100 Y 0 1.077

36 121 100 Y 1 1.099

36 121 100 Y 2 1.132

36 121 100 Y 3 1.239

36 121 300 N 0 0.869

36 121 300 N 1 0.886

36 121 300 N 2 0.912

36 121 300 N 3 0.999

36 121 300 Y 0 1.042

36 121 300 Y 1 1.064

36 121 300 Y 2 1.095

36 121 300 Y 3 1.199

36 121 500 N 0 0.814

36 121 500 N 1 0.831

36 121 500 N 2 0.855

36 121 500 N 3 0.936

36 121 500 Y 0 0.977

36 121 500 Y 1 0.997

36 121 500 Y 2 1.026

36 121 500 Y 3 1.124

60 0 0 N 0 0.614

60 0 0 N 1 0.626

60 0 0 N 2 0.645





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

60 0 0 N 3 0.707

60 0 0 Y 0 0.736

60 0 0 Y 1 0.752

60 0 0 Y 2 0.774

60 0 0 Y 3 0.848

60 0 50 N 0 0.585

60 0 50 N 1 0.596

60 0 50 N 2 0.614

60 0 50 N 3 0.673

60 0 50 Y 0 0.701

60 0 50 Y 1 0.716

60 0 50 Y 2 0.736

60 0 50 Y 3 0.808

60 0 100 N 0 0.538

60 0 100 N 1 0.549

60 0 100 N 2 0.564

60 0 100 N 3 0.619

60 0 100 Y 0 0.646

60 0 100 Y 1 0.658

60 0 100 Y 2 0.678

60 0 100 Y 3 0.743

60 0 300 N 0 0.521

60 0 300 N 1 0.531

60 0 300 N 2 0.547

60 0 300 N 3 0.598

60 0 300 Y 0 0.625

60 0 300 Y 1 0.638

60 0 300 Y 2 0.656

60 0 300 Y 3 0.718

60 0 500 N 0 0.488

60 0 500 N 1 0.498

60 0 500 N 2 0.512

60 0 500 N 3 0.561

60 0 500 Y 0 0.586

60 0 500 Y 1 0.597

60 0 500 Y 2 0.614

60 0 500 Y 3 0.674

60 1 0 N 0 0.680

60 1 0 N 1 0.693

60 1 0 N 2 0.714

60 1 0 N 3 0.782

60 1 0 Y 0 0.815

60 1 0 Y 1 0.831

60 1 0 Y 2 0.856





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

60 1 0 Y 3 0.937

60 1 50 N 0 0.647

60 1 50 N 1 0.660

60 1 50 N 2 0.680

60 1 50 N 3 0.744

60 1 50 Y 0 0.777

60 1 50 Y 1 0.792

60 1 50 Y 2 0.815

60 1 50 Y 3 0.893

60 1 100 N 0 0.595

60 1 100 N 1 0.607

60 1 100 N 2 0.625

60 1 100 N 3 0.685

60 1 100 Y 0 0.714

60 1 100 Y 1 0.728

60 1 100 Y 2 0.750

60 1 100 Y 3 0.822

60 1 300 N 0 0.576

60 1 300 N 1 0.587

60 1 300 N 2 0.605

60 1 300 N 3 0.663

60 1 300 Y 0 0.691

60 1 300 Y 1 0.705

60 1 300 Y 2 0.726

60 1 300 Y 3 0.795

60 1 500 N 0 0.540

60 1 500 N 1 0.551

60 1 500 N 2 0.567

60 1 500 N 3 0.621

60 1 500 Y 0 0.648

60 1 500 Y 1 0.661

60 1 500 Y 2 0.680

60 1 500 Y 3 0.745

60 31 0 N 0 0.719

60 31 0 N 1 0.733

60 31 0 N 2 0.755

60 31 0 N 3 0.826

60 31 0 Y 0 0.862

60 31 0 Y 1 0.880

60 31 0 Y 2 0.905

60 31 0 Y 3 0.992

60 31 50 N 0 0.684

60 31 50 N 1 0.698

60 31 50 N 2 0.719





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

60 31 50 N 3 0.787

60 31 50 Y 0 0.821

60 31 50 Y 1 0.837

60 31 50 Y 2 0.862

60 31 50 Y 3 0.945

60 31 100 N 0 0.629

60 31 100 N 1 0.642

60 31 100 N 2 0.661

60 31 100 N 3 0.724

60 31 100 Y 0 0.755

60 31 100 Y 1 0.770

60 31 100 Y 2 0.793

60 31 100 Y 3 0.869

60 31 300 N 0 0.609

60 31 300 N 1 0.621

60 31 300 N 2 0.640

60 31 300 N 3 0.701

60 31 300 Y 0 0.732

60 31 300 Y 1 0.746

60 31 300 Y 2 0.768

60 31 300 Y 3 0.841

60 31 500 N 0 0.571

60 31 500 N 1 0.582

60 31 500 N 2 0.599

60 31 500 N 3 0.657

60 31 500 Y 0 0.685

60 31 500 Y 1 0.699

60 31 500 Y 2 0.719

60 31 500 Y 3 0.788

60 121 0 N 0 0.950

60 121 0 N 1 0.969

60 121 0 N 2 0.998

60 121 0 N 3 1.093

60 121 0 Y 0 1.141

60 121 0 Y 1 1.163

60 121 0 Y 2 1.198

60 121 0 Y 3 1.312

60 121 50 N 0 0.905

60 121 50 N 1 0.923

60 121 50 N 2 0.950

60 121 50 N 3 1.041

60 121 50 Y 0 1.086

60 121 50 Y 1 1.108

60 121 50 Y 2 1.141





Prior Insurance

Minimum # Days With

Coverage Lapse




1st 60 Days of Term

( Y / N )


Prior Insurance

Factor

60 121 50 Y 3 1.249

60 121 100 N 0 0.833

60 121 100 N 1 0.849

60 121 100 N 2 0.874

60 121 100 N 3 0.958

60 121 100 Y 0 0.999

60 121 100 Y 1 1.019

60 121 100 Y 2 1.049

60 121 100 Y 3 1.149

60 121 300 N 0 0.806

60 121 300 N 1 0.822

60 121 300 N 2 0.846

60 121 300 N 3 0.927

60 121 300 Y 0 0.967

60 121 300 Y 1 0.987

60 121 300 Y 2 1.016

60 121 300 Y 3 1.112

60 121 500 N 0 0.755

60 121 500 N 1 0.771

60 121 500 N 2 0.793

60 121 500 N 3 0.869

60 121 500 Y 0 0.907

60 121 500 Y 1 0.924

60 121 500 Y 2 0.952

60 121 500 Y 3 1.042

Driver Classification Factors

Class BI PD COMP COLL SM15 4.492 4.492 2.220 3.623

SM16 4.424 4.449 2.211 3.574

SM17 4.195 4.253 2.186 3.422

SM18 3.530 3.812 2.073 2.990

SM19 2.679 2.853 1.964 2.529

SM20 2.252 2.494 1.839 2.266

SM21 1.909 2.122 1.662 2.035

SM22 1.727 1.964 1.519 1.934

SM23 1.580 1.748 1.391 1.737

SM24 1.437 1.552 1.296 1.554

SM25 1.310 1.400 1.218 1.418

SM26 1.239 1.321 1.159 1.325

SM27 1.180 1.269 1.124 1.273

SM28 1.131 1.223 1.101 1.231

SM29 1.095 1.184 1.081 1.195

SM30 1.074 1.154 1.062 1.171

SM31 1.063 1.133 1.049 1.151




SM33 1.044 1.108 1.021 1.121

SM34 1.035 1.089 1.009 1.110

SM35 1.027 1.069 0.999 1.100

SM36 1.019 1.044 0.984 1.090

SM37 1.016 1.029 0.979 1.080

SM38 1.009 1.020 0.969 1.070

SM39 1.007 1.018 0.960 1.061

SM40 1.001 1.016 0.951 1.052

SM41 0.999 1.015 0.942 1.048

SM42 0.997 1.009 0.938 1.039

SM43 0.992 1.007 0.930 1.031

SM44 0.990 1.005 0.922 1.022

SM45 0.988 1.000 0.919 1.018

SM46 0.983 0.998 0.911 1.010

SM47 0.981 0.996 0.909 1.002

SM48 0.979 0.988 0.901 0.999

SM49 0.971 0.981 0.899 0.991

SM50 0.964 0.978 0.891 0.988

SM51 0.956 0.971 0.889 0.980

SM52 0.955 0.970 0.881 0.972

SM53 0.954 0.969 0.879 0.969

SM54 0.954 0.969 0.871 0.961

SM55 0.954 0.969 0.869 0.959

SM56 0.954 0.969 0.862 0.951

SM57 0.955 0.970 0.860 0.949

SM58 0.956 0.974 0.858 0.942

SM59 0.964 0.987 0.852 0.941

SM60 0.973 1.022 0.850 0.940

SM61 0.984 1.038 0.848 0.941

SM62 1.004 1.053 0.841 0.943

SM63 1.032 1.073 0.839 0.951

SM64 1.072 1.097 0.832 0.960

SM65 1.114 1.134 0.830 0.970

SM66 1.157 1.177 0.828 0.981

SM67 1.193 1.216 0.822 0.995

SM68 1.228 1.254 0.820 1.023

SM69 1.262 1.291 0.818 1.062

SM70 1.296 1.329 0.812 1.122

SM71 1.331 1.368 0.811 1.210

SM72 1.372 1.411 0.809 1.299

SM73 1.503 1.534 0.808 1.390

SM74 1.712 1.734 0.802 1.474

SM75 2.495 2.500 0.800 1.544

SM76 2.653 2.655 0.798 1.561

SM77 2.730 2.730 0.792 1.566

SM78 2.730 2.730 0.790 1.566

SM79 2.730 2.730 0.788 1.566

SM80 2.730 2.730 0.782 1.566

SM81 2.730 2.730 0.781 1.566

SM82 2.730 2.730 0.779 1.566

SM83 2.730 2.730 0.778 1.566

SM84 2.730 2.730 0.772 1.566

SM85 2.730 2.730 0.771 1.566

SM86 2.730 2.730 0.769 1.566

SM87 2.730 2.730 0.768 1.566

SM88 2.730 2.730 0.762 1.566




SM90 2.730 2.730 0.759 1.566

SM91 2.730 2.730 0.758 1.566

SM92 2.730 2.730 0.752 1.566

SM93 2.730 2.730 0.751 1.566

SM94 2.730 2.730 0.749 1.566

SM95 2.730 2.730 0.748 1.566

SM96 2.730 2.730 0.742 1.566

SM97 2.730 2.730 0.741 1.566

SM98 2.730 2.730 0.740 1.566

SM99+ 2.730 2.730 0.740 1.566

Class BI PD COMP COLL SF15 3.690 3.582 1.560 2.874

SF16 3.636 3.530 1.553 2.843

SF17 3.455 3.354 1.539 2.733

SF18 2.934 2.849 1.467 2.458

SF19 2.277 2.214 1.436 2.070

SF20 1.952 1.908 1.389 1.846

SF21 1.730 1.725 1.295 1.662

SF22 1.612 1.641 1.216 1.564

SF23 1.507 1.515 1.144 1.443

SF24 1.394 1.363 1.084 1.375

SF25 1.288 1.249 1.037 1.298

SF26 1.232 1.192 1.006 1.254

SF27 1.188 1.154 0.992 1.232

SF28 1.156 1.123 0.983 1.204

SF29 1.128 1.096 0.981 1.189

SF30 1.114 1.074 0.979 1.169

SF31 1.103 1.062 0.978 1.157

SF32 1.094 1.051 0.971 1.144

SF33 1.090 1.041 0.969 1.133

SF34 1.081 1.034 0.961 1.122

SF35 1.071 1.024 0.958 1.111

SF36 1.062 1.014 0.949 1.100

SF37 1.054 1.009 0.940 1.088

SF38 1.051 1.003 0.930 1.078

SF39 1.049 1.002 0.921 1.068

SF40 1.042 1.000 0.912 1.064

SF41 1.040 0.998 0.908 1.055

SF42 1.038 0.991 0.900 1.046

SF43 1.032 0.989 0.892 1.042

SF44 1.030 0.987 0.889 1.032

SF45 1.028 0.981 0.881 1.023

SF46 1.022 0.979 0.879 1.020

SF47 1.020 0.977 0.871 1.011

SF48 1.017 0.970 0.868 1.007

SF49 1.009 0.966 0.859 0.997

SF50 0.999 0.955 0.848 0.981

SF51 0.990 0.944 0.832 0.971

SF52 0.981 0.934 0.821 0.967

SF53 0.978 0.930 0.810 0.958

SF54 0.970 0.922 0.799 0.956

SF55 0.969 0.921 0.788 0.947

SF56 0.968 0.920 0.772 0.945

SF57 0.969 0.920 0.761 0.937

SF58 0.970 0.921 0.750 0.936



Class BI PD COMP COLL SF59 0.978 0.925 0.740 0.935

SF60 0.982 0.942 0.731 0.936

SF61 0.994 0.969 0.722 0.938

SF62 1.019 1.005 0.718 0.947

SF63 1.043 1.043 0.709 0.959

SF64 1.074 1.082 0.700 0.978

SF65 1.111 1.121 0.690 0.991

SF66 1.143 1.159 0.681 1.011

SF67 1.167 1.191 0.672 1.024

SF68 1.190 1.221 0.668 1.043

SF69 1.213 1.251 0.659 1.055

SF70 1.238 1.283 0.651 1.067

SF71 1.276 1.320 0.642 1.079

SF72 1.320 1.366 0.638 1.095

SF73 1.386 1.426 0.630 1.135

SF74 1.468 1.497 0.622 1.187

SF75 1.696 1.663 0.619 1.325

SF76 1.743 1.698 0.611 1.354

SF77 1.765 1.714 0.608 1.367

SF78 1.765 1.714 0.600 1.367

SF79 1.765 1.714 0.592 1.367

SF80 1.765 1.714 0.588 1.367

SF81 1.765 1.714 0.580 1.367

SF82 1.765 1.714 0.572 1.367

SF83 1.765 1.714 0.569 1.367

SF84 1.765 1.714 0.561 1.367

SF85 1.765 1.714 0.558 1.367

SF86 1.765 1.714 0.550 1.367

SF87 1.765 1.714 0.542 1.367

SF88 1.765 1.714 0.539 1.367

SF89 1.765 1.714 0.531 1.367

SF90 1.765 1.714 0.529 1.367

SF91 1.765 1.714 0.521 1.367

SF92 1.765 1.714 0.518 1.367

SF93 1.765 1.714 0.510 1.367

SF94 1.765 1.714 0.502 1.367

SF95 1.765 1.714 0.499 1.367

SF96 1.765 1.714 0.491 1.367

SF97 1.765 1.714 0.489 1.367

SF98 1.765 1.714 0.482 1.367

SF99+ 1.765 1.714 0.480 1.367

Class BI PD COMP COLL

MM15 3.556 3.653 2.090 2.796

MM16 3.522 3.615 2.081 2.770

MM17 3.389 3.482 2.058 2.685

MM18 3.082 3.156 1.951 2.483

MM19 2.535 2.692 1.846 2.231

MM20 2.210 2.411 1.729 2.042

MM21 1.873 1.991 1.562 1.838

MM22 1.645 1.766 1.429 1.698

MM23 1.492 1.552 1.309 1.533

MM24 1.354 1.372 1.218 1.466

MM25 1.233 1.243 1.146 1.361

MM26 1.166 1.193 1.089 1.281

MM27 1.113 1.162 1.055 1.233

MM28 1.072 1.138 1.033 1.190



Class BI PD COMP COLL MM29 1.036 1.114 1.019 1.157

MM30 1.014 1.090 1.001 1.133

MM31 1.001 1.066 0.989 1.112

MM32 0.992 1.042 0.972 1.099

MM33 0.988 1.018 0.961 1.086

MM34 0.979 0.995 0.950 1.075

MM35 0.971 0.974 0.940 1.064

MM36 0.962 0.963 0.930 1.054

MM37 0.959 0.959 0.920 1.044

MM38 0.952 0.952 0.910 1.040

MM39 0.950 0.950 0.901 1.030

MM40 0.948 0.948 0.892 1.020

MM41 0.942 0.942 0.888 1.010

MM42 0.940 0.940 0.880 1.006

MM43 0.938 0.938 0.872 0.997

MM44 0.932 0.932 0.869 0.988

MM45 0.931 0.931 0.861 0.984

MM46 0.929 0.929 0.859 0.976

MM47 0.928 0.928 0.851 0.973

MM48 0.921 0.921 0.849 0.964

MM49 0.918 0.918 0.841 0.962

MM50 0.910 0.910 0.839 0.953

MM51 0.903 0.903 0.832 0.951

MM52 0.901 0.901 0.830 0.942

MM53 0.900 0.900 0.828 0.940

MM54 0.900 0.900 0.821 0.931

MM55 0.900 0.900 0.819 0.928

MM56 0.900 0.900 0.812 0.920

MM57 0.901 0.901 0.810 0.919

MM58 0.902 0.902 0.808 0.918

MM59 0.910 0.910 0.802 0.918

MM60 0.918 0.919 0.800 0.918

MM61 0.947 0.951 0.798 0.918

MM62 0.985 0.992 0.792 0.919

MM63 1.028 1.037 0.790 0.921

MM64 1.071 1.084 0.788 0.931

MM65 1.114 1.131 0.782 0.944

MM66 1.157 1.177 0.780 0.965

MM67 1.193 1.216 0.778 0.989

MM68 1.228 1.254 0.772 1.021

MM69 1.262 1.291 0.770 1.056

MM70 1.296 1.328 0.768 1.099

MM71 1.327 1.366 0.762 1.142

MM72 1.355 1.403 0.761 1.187

MM73 1.402 1.475 0.759 1.238

MM74 1.485 1.578 0.758 1.292

MM75 1.887 1.951 0.752 1.390

MM76 1.967 2.027 0.750 1.410

MM77 2.008 2.063 0.748 1.419

MM78 2.008 2.063 0.742 1.419

MM79 2.008 2.063 0.741 1.419

MM80 2.008 2.063 0.739 1.419

MM81 2.008 2.063 0.738 1.419

MM82 2.008 2.063 0.732 1.419

MM83 2.008 2.063 0.731 1.419

MM84 2.008 2.063 0.729 1.419

MM85 2.008 2.063 0.728 1.419



Class BI PD COMP COLL MM86 2.008 2.063 0.722 1.419

MM87 2.008 2.063 0.721 1.419

MM88 2.008 2.063 0.719 1.419

MM89 2.008 2.063 0.718 1.419

MM90 2.008 2.063 0.712 1.419

MM91 2.008 2.063 0.711 1.419

MM92 2.008 2.063 0.709 1.419

MM93 2.008 2.063 0.708 1.419

MM94 2.008 2.063 0.702 1.419

MM95 2.008 2.063 0.701 1.419

MM96 2.008 2.063 0.699 1.419

MM97 2.008 2.063 0.698 1.419

MM98 2.008 2.063 0.692 1.419

MM99+ 2.008 2.063 0.690 1.419

Class BI PD COMP COLL MF15 2.921 2.913 1.470 2.622

MF16 2.891 2.879 1.464 2.598

MF17 2.772 2.760 1.451 2.506

MF18 2.498 2.456 1.385 2.295

MF19 2.004 2.021 1.355 1.945

MF20 1.797 1.826 1.309 1.742

MF21 1.538 1.575 1.217 1.628

MF22 1.386 1.470 1.144 1.547

MF23 1.287 1.341 1.074 1.424

MF24 1.195 1.283 1.016 1.293

MF25 1.132 1.224 0.975 1.205

MF26 1.107 1.187 0.946 1.145

MF27 1.086 1.151 0.932 1.121

MF28 1.059 1.119 0.923 1.097

MF29 1.037 1.094 0.921 1.077

MF30 1.017 1.073 0.920 1.063

MF31 1.011 1.059 0.919 1.050

MF32 1.002 1.048 0.918 1.038

MF33 0.999 1.037 0.911 1.027

MF34 0.989 1.033 0.908 1.015

MF35 0.980 1.023 0.899 1.004

MF36 0.971 1.013 0.890 0.993

MF37 0.968 1.004 0.881 0.990

MF38 0.966 1.002 0.872 0.981

MF39 0.959 1.000 0.868 0.977

MF40 0.957 0.999 0.860 0.968

MF41 0.955 0.991 0.852 0.958

MF42 0.948 0.989 0.849 0.955

MF43 0.947 0.987 0.841 0.946

MF44 0.945 0.980 0.839 0.943

MF45 0.944 0.979 0.831 0.934

MF46 0.936 0.977 0.828 0.931

MF47 0.934 0.976 0.820 0.922

MF48 0.931 0.968 0.812 0.919

MF49 0.922 0.964 0.808 0.910

MF50 0.913 0.954 0.799 0.907

MF51 0.903 0.944 0.788 0.899

MF52 0.900 0.934 0.772 0.896

MF53 0.892 0.930 0.761 0.887

MF54 0.891 0.922 0.750 0.884

MF55 0.890 0.921 0.740 0.875



Class BI PD COMP COLL MF56 0.890 0.920 0.730 0.873

MF57 0.890 0.920 0.720 0.871

MF58 0.891 0.921 0.710 0.864

MF59 0.893 0.923 0.700 0.864

MF60 0.902 0.933 0.690 0.864

MF61 0.915 0.946 0.680 0.872

MF62 0.936 0.968 0.671 0.876

MF63 0.966 0.998 0.662 0.888

MF64 0.998 1.032 0.658 0.907

MF65 1.032 1.067 0.649 0.920

MF66 1.073 1.109 0.641 0.934

MF67 1.109 1.147 0.632 0.954

MF68 1.145 1.184 0.628 0.966

MF69 1.183 1.223 0.620 0.977

MF70 1.227 1.269 0.612 0.982

MF71 1.274 1.317 0.608 0.995

MF72 1.320 1.365 0.600 1.016

MF73 1.380 1.425 0.592 1.052

MF74 1.449 1.493 0.589 1.104

MF75 1.616 1.649 0.581 1.236

MF76 1.651 1.681 0.578 1.263

MF77 1.666 1.696 0.570 1.276

MF78 1.666 1.696 0.562 1.276

MF79 1.666 1.696 0.559 1.276

MF80 1.666 1.696 0.551 1.276

MF81 1.666 1.696 0.549 1.276

MF82 1.666 1.696 0.541 1.276

MF83 1.666 1.696 0.538 1.276

MF84 1.666 1.696 0.530 1.276

MF85 1.666 1.696 0.522 1.276

MF86 1.666 1.696 0.519 1.276

MF87 1.666 1.696 0.511 1.276

MF88 1.666 1.696 0.509 1.276

MF89 1.666 1.696 0.501 1.276

MF90 1.666 1.696 0.498 1.276

MF91 1.666 1.696 0.490 1.276

MF92 1.666 1.696 0.482 1.276

MF93 1.666 1.696 0.479 1.276

MF94 1.666 1.696 0.471 1.276

MF95 1.666 1.696 0.469 1.276

MF96 1.666 1.696 0.461 1.276

MF97 1.666 1.696 0.459 1.276

MF98 1.666 1.696 0.452 1.276

MF99+ 1.666 1.696 0.450 1.276

Credit Score Factors – BI, PD, MED, UMPD, COMP & COLL

Credit Score Factor

0 1.05

1 1.05

2 1.05

3 1.05

4 1.05

5 1.05

6 1.05

Credit Score Factor

7 1.05

8 1.05

9 1.05

10 1.05

11 1.05

12 1.05

13 1.05

Credit Score Factor

14 1.05

15 1.05

16 1.05

17 1.05

18 1.05

19 1.05

20 1.05

Credit Score Factor

21 1.05

22 1.05

23 1.05

24 1.05

25 1.05

26 1.05

27 1.05

Credit Score Factor

28 1.05

29 1.05

30 1.05

31 1.05

32 1.05

33 1.05

34 1.05

Credit Score Factor

35 1.05

36 1.05

37 1.05

38 1.05

39 1.05

40 1.05

41 1.05



Credit Score Factor

42 1.05

43 1.05

44 1.05

45 1.05

46 1.05

47 1.05

48 1.05

49 1.05

50 1.05

51 1.05

52 1.05

53 1.05

54 1.05

55 1.05

56 1.05

57 1.05

58 1.05

59 1.05

60 1.05

61 1.05

62 1.05

63 1.05

64 1.05

65 1.05

66 1.05

67 1.05

68 1.05

69 1.05

70 1.05

71 1.05

72 1.05

73 1.05

74 1.05

75 1.05

76 1.05

77 1.05

78 1.05

79 1.05

80 1.05

81 1.05

82 1.05

83 1.05

84 1.05

85 1.05

86 1.05

87 1.05

88 1.05

89 1.05

90 1.05

91 1.05

92 1.05

Credit Score Factor

93 1.05

94 1.05

95 1.05

96 1.05

97 1.05

98 1.05

99 1.05

100 1.05

101 1.05

102 1.05

103 1.05

104 1.05

105 1.05

106 1.05

107 1.05

108 1.05

109 1.05

110 1.05

111 1.05

112 1.05

113 1.05

114 1.05

115 1.05

116 1.05

117 1.05

118 1.05

119 1.05

120 1.05

121 1.05

122 1.05

123 1.05

124 1.05

125 1.05

126 1.05

127 1.05

128 1.05

129 1.05

130 1.05

131 1.05

132 1.05

133 1.05

134 1.05

135 1.05

136 1.05

137 1.05

138 1.05

139 1.05

140 1.05

141 1.05

142 1.05

143 1.05

Credit Score Factor

144 1.05

145 1.05

146 1.05

147 1.05

148 1.05

149 1.05

150 1.05

151 1.05

152 1.05

153 1.05

154 1.05

155 1.05

156 1.05

157 1.05

158 1.05

159 1.05

160 1.05

161 1.05

162 1.05

163 1.05

164 1.05

165 1.05

166 1.05

167 1.05

168 1.05

169 1.05

170 1.05

171 1.05

172 1.05

173 1.05

174 1.05

175 1.05

176 1.05

177 1.05

178 1.05

179 1.05

180 1.05

181 1.05

182 1.05

183 1.05

184 1.05

185 1.05

186 1.05

187 1.05

188 1.05

189 1.05

190 1.05

191 1.05

192 1.05

193 1.05

194 1.05

Credit Score Factor

195 1.05

196 1.05

197 1.05

198 1.05

199 1.05

200 1.05

201 1.05

202 1.05

203 1.05

204 1.05

205 1.05

206 1.05

207 1.05

208 1.05

209 1.05

210 1.05

211 1.05

212 1.05

213 1.05

214 1.05

215 1.05

216 1.05

217 1.05

218 1.05

219 1.05

220 1.05

221 1.05

222 1.05

223 1.05

224 1.05

225 1.05

226 1.05

227 1.05

228 1.05

229 1.05

230 1.05

231 1.05

232 1.05

233 1.05

234 1.05

235 1.05

236 1.05

237 1.05

238 1.05

239 1.05

240 1.05

241 1.05

242 1.05

243 1.05

244 1.05

245 1.05

Credit Score Factor

246 1.05

247 1.05

248 1.05

249 1.05

250 1.05

251 1.05

252 1.05

253 1.05

254 1.05

255 1.05

256 1.05

257 1.05

258 1.05

259 1.05

260 1.05

261 1.05

262 1.05

263 1.05

264 1.05

265 1.05

266 1.05

267 1.05

268 1.05

269 1.05

270 1.05

271 1.05

272 1.05

273 1.05

274 1.05

275 1.05

276 1.05

277 1.05

278 1.05

279 1.05

280 1.05

281 1.05

282 1.05

283 1.05

284 1.05

285 1.05

286 1.05

287 1.05

288 1.05

289 1.05

290 1.05

291 1.05

292 1.05

293 1.05

294 1.05

295 1.05

296 1.05

Credit Score Factor

297 1.05

298 1.05

299 1.05

300 1.05

301 1.05

302 1.05

303 1.05

304 1.05

305 1.05

306 1.05

307 1.05

308 1.05

309 1.05

310 1.05

311 1.05

312 1.05

313 1.05

314 1.05

315 1.05

316 1.05

317 1.05

318 1.05

319 1.05

320 1.05

321 1.05

322 1.05

323 1.05

324 1.05

325 1.05

326 1.05

327 1.05

328 1.05

329 1.05

330 1.05

331 1.05

332 1.05

333 1.05

334 1.05

335 1.05

336 1.05

337 1.05

338 1.05

339 1.05

340 1.05

341 1.05

342 1.05

343 1.05

344 1.05

345 1.05

346 1.05

347 1.05



Credit Score Factor

348 1.05

349 1.05

350 1.05

351 1.05

352 1.05

353 1.05

354 1.05

355 1.05

356 1.05

357 1.05

358 1.05

359 1.05

360 1.05

361 1.05

362 1.05

363 1.05

364 1.05

365 1.05

366 1.05

367 1.05

368 1.05

369 1.05

370 1.05

371 1.05

372 1.05

373 1.05

374 1.05

375 1.05

376 1.05

377 1.05

378 1.05

379 1.05

380 1.05

381 1.05

382 1.05

383 1.05

384 1.05

385 1.05

386 1.05

387 1.05

388 1.05

389 1.05

390 1.05

391 1.05

392 1.05

393 1.05

394 1.05

395 1.05

396 1.05

397 1.05

398 1.05

Credit Score Factor

399 1.05

400 1.05

401 1.05

402 1.05

403 1.05

404 1.05

405 1.05

406 1.05

407 1.05

408 1.05

409 1.05

410 1.05

411 1.05

412 1.05

413 1.05

414 1.05

415 1.05

416 1.05

417 1.05

418 1.05

419 1.05

420 1.05

421 1.05

422 1.05

423 1.05

424 1.05

425 1.05

426 1.05

427 1.05

428 1.05

429 1.05

430 1.05

431 1.05

432 1.05

433 1.05

434 1.05

435 1.05

436 1.05

437 1.05

438 1.05

439 1.05

440 1.05

441 1.05

442 1.05

443 1.05

444 1.05

445 1.05

446 1.05

447 1.05

448 1.05

449 1.05

Credit Score Factor

450 1.05

451 1.05

452 1.05

453 1.05

454 1.05

455 1.05

456 1.05

457 1.05

458 1.05

459 1.05

460 1.05

461 1.05

462 1.05

463 1.05

464 1.05

465 1.05

466 1.05

467 1.05

468 1.05

469 1.05

470 1.05

471 1.05

472 1.05

473 1.05

474 1.05

475 1.05

476 1.05

477 1.05

478 1.05

479 1.05

480 1.05

481 1.05

482 1.05

483 1.05

484 1.05

485 1.05

486 1.05

487 1.05

488 1.05

489 1.05

490 1.05

491 1.05

492 1.05

493 1.05

494 1.05

495 1.05

496 1.05

497 1.05

498 1.05

499 1.05

500 1.05

Credit Score Factor

501 1.05

502 1.05

503 1.05

504 1.05

505 1.05

506 1.05

507 1.05

508 1.05

509 1.05

510 1.05

511 1.05

512 1.05

513 1.05

514 1.05

515 1.05

516 1.05

517 1.05

518 1.05

519 1.05

520 1.05

521 1.05

522 1.05

523 1.05

524 1.05

525 1.05

526 1.05

527 1.05

528 1.05

529 1.05

530 1.05

531 1.05

532 1.05

533 1.05

534 1.05

535 1.05

536 1.05

537 1.05

538 1.05

539 1.05

540 1.05

541 1.05

542 1.05

543 1.05

544 1.05

545 1.05

546 1.04

547 1.04

548 1.04

549 1.04

550 1.04

551 1.04

Credit Score Factor

552 1.04

553 1.04

554 1.04

555 1.04

556 1.04

557 1.04

558 1.04

559 1.04

560 1.03

561 1.03

562 1.03

563 1.03

564 1.03

565 1.02

566 1.02

567 1.02

568 1.02

569 1.02

570 1.01

571 1.01

572 1.01

573 1.01

574 1.01

575 1.01

576 1.00

577 1.00

578 1.00

579 1.00

580 1.00

581 1.00

582 1.00

583 0.99

584 0.99

585 0.99

586 0.99

587 0.99

588 0.99

589 0.99

590 0.99

591 0.99

592 0.98

593 0.98

594 0.98

595 0.98

596 0.98

597 0.98

598 0.97

599 0.97

600 0.97

601 0.97

602 0.97

Credit Score Factor

603 0.97

604 0.97

605 0.97

606 0.96

607 0.96

608 0.96

609 0.96

610 0.96

611 0.96

612 0.96

613 0.96

614 0.95

615 0.95

616 0.95

617 0.95

618 0.95

619 0.95

620 0.95

621 0.94

622 0.94

623 0.94

624 0.94

625 0.94

626 0.94

627 0.93

628 0.93

629 0.93

630 0.93

631 0.93

632 0.93

633 0.93

634 0.93

635 0.92

636 0.92

637 0.92

638 0.92

639 0.92

640 0.92

641 0.92

642 0.92

643 0.91

644 0.91

645 0.91

646 0.91

647 0.91

648 0.91

649 0.91

650 0.90

651 0.90

652 0.90

653 0.90



Credit Score Factor

654 0.90

655 0.90

656 0.89

657 0.89

658 0.89

659 0.89

660 0.89

661 0.89

662 0.89

663 0.89

664 0.88

665 0.88

666 0.88

667 0.88

668 0.88

669 0.88

670 0.87

671 0.87

672 0.87

673 0.87

674 0.86

675 0.86

676 0.86

677 0.86

678 0.86

679 0.85

680 0.85

681 0.85

682 0.85

683 0.84

684 0.84

685 0.83

686 0.83

687 0.83

688 0.83

689 0.82

690 0.82

691 0.82

692 0.82

693 0.81

694 0.81

695 0.81

696 0.81

697 0.80

698 0.80

699 0.80

700 0.80

701 0.80

702 0.80

703 0.80

704 0.80

Credit Score Factor

705 0.80

706 0.79

707 0.79

708 0.79

709 0.79

710 0.79

711 0.79

712 0.78

713 0.78

714 0.78

715 0.78

716 0.78

717 0.78

718 0.78

719 0.78

720 0.78

721 0.77

722 0.77

723 0.77

724 0.77

725 0.77

726 0.77

727 0.77

728 0.77

729 0.77

730 0.77

731 0.77

732 0.76

733 0.76

734 0.76

735 0.76

736 0.76

737 0.76

738 0.76

739 0.76

740 0.75

741 0.75

742 0.75

743 0.75

744 0.75

745 0.75

746 0.75

747 0.75

748 0.75

749 0.75

750 0.75

751 0.74

752 0.74

753 0.74

754 0.74

755 0.74

Credit Score Factor

756 0.74

757 0.74

758 0.74

759 0.74

760 0.73

761 0.73

762 0.73

763 0.73

764 0.73

765 0.73

766 0.73

767 0.73

768 0.73

769 0.73

770 0.72

771 0.72

772 0.72

773 0.72

774 0.72

775 0.72

776 0.72

777 0.72

778 0.72

779 0.72

780 0.71

781 0.71

782 0.71

783 0.71

784 0.71

785 0.71

786 0.71

787 0.70

788 0.70

789 0.70

790 0.70

791 0.70

792 0.70

793 0.70

794 0.70

795 0.70

796 0.70

797 0.70

798 0.70

799 0.70

800 0.70

801 0.69

802 0.69

803 0.69

804 0.69

805 0.69

806 0.69

Credit Score Factor

807 0.69

808 0.69

809 0.68

810 0.68

811 0.68

812 0.68

813 0.68

814 0.68

815 0.68

816 0.68

817 0.68

818 0.67

819 0.67

820 0.67

821 0.67

822 0.67

823 0.67

824 0.67

825 0.67

826 0.67

827 0.66

828 0.66

829 0.66

830 0.66

831 0.66

832 0.66

833 0.66

834 0.66

835 0.66

836 0.66

837 0.66

838 0.66

839 0.66

840 0.66

841 0.66

842 0.66

843 0.66

844 0.66

845 0.66

846 0.66

847 0.66

848 0.66

849 0.66

850 0.66

851 0.66

852 0.66

853 0.66

854 0.66

855 0.66

856 0.66

857 0.66

Credit Score Factor

858 0.66

859 0.66

860 0.66

861 0.65

862 0.65

863 0.65

864 0.65

865 0.65

866 0.65

867 0.65

868 0.65

869 0.65

870 0.65

871 0.65

872 0.65

873 0.65

874 0.65

875 0.65

876 0.65

877 0.65

878 0.65

879 0.65

880 0.65

881 0.65

882 0.65

883 0.64

884 0.64

885 0.64

886 0.64

887 0.64

888 0.64

889 0.64

890 0.64

891 0.64

892 0.64

893 0.64

894 0.64

895 0.64

896 0.64

897 0.64

898 0.64

899 0.64

900 0.64

901 0.64

902 0.64

903 0.64

904 0.64

905 0.64

906 0.64

907 0.64

908 0.64

Credit Score Factor

909 0.64

910 0.63

911 0.63

912 0.63

913 0.63

914 0.63

915 0.63

916 0.63

917 0.63

918 0.63

919 0.63

920 0.63

921 0.63

922 0.63

923 0.63

924 0.63

925 0.63

926 0.63

927 0.63

928 0.63

929 0.63

930 0.63

931 0.63

932 0.63

933 0.63

934 0.63

935 0.63

936 0.63

937 0.63

938 0.63

939 0.63

940 0.63

941 0.63

942 0.63

943 0.63

944 0.63

945 0.63

946 0.63

947 0.63

948 0.63

949 0.63

950 0.63

951 0.63

952 0.63

953 0.63

954 0.63

955 0.63

956 0.63

957 0.63

958 0.63

959 0.63



Credit Score Factor

960 0.63

961 0.63

962 0.63

963 0.63

964 0.63

965 0.63

966 0.63

Credit Score Factor

967 0.63

968 0.63

969 0.63

970 0.63

971 0.63

972 0.63

973 0.63

Credit Score Factor

974 0.63

975 0.63

976 0.63

977 0.63

978 0.63

979 0.63

980 0.63

Credit Score Factor

981 0.63

982 0.63

983 0.63

984 0.63

985 0.63

986 0.63

987 0.63

Credit Score Factor

988 0.63

989 0.63

990 0.63

991 0.63

992 0.63

993 0.63

994 0.63

Credit Score Factor

995 0.63

996 0.63

997 0.63

998 1.00

999 1.00

Optional Coverages1

Legal Expense Rate Accidental Death Rate

($1,000 Indemnity) $50 ($5,000 Indemnity) $30

Towing Rate Rental / Transportation Expenses Rate

($50 each occurrence) $18 ($25 per Day / 15 Day Maximum) $50 per vehicle ($75 each occurrence) $28 ($30 per Day / 20 Day Maximum) $70 per vehicle

Basic Tenant Personal Property & Liability Enhancement Endorsement (PPLEE)

Rate

$150

Limited Transportation Network Driver Coverage (No Passenger)

Rate

$80 per TNC driver $10,000 Personal Property; $15,000 Personal Liability)

Emergency Roadside Assistance Rate

6-month policy term plan (C16) $54 12-month policy term plan (C) $108

1 Refer to Coverage Information rules for optional coverage eligibility requirements.

Ohio Financial Responsibility Bond Rates (Annual)

Ohio FR Bond Rates FR-R-1 Effective 11/04/2019 NB & 01/04/2020 RN

Rating Order of Calculation Bodily Injury

BI Prem1 = BI Base Rate * BI Territory Factor * BI Class Factor (rounded to 0 decimals)

BI Prem2 = BI Prem1 * Point Surcharge Factor * Increased Limits Factor * Discount Factor (rounded to 0 decimals)

BI Prem = BI Prem2 * Term Factor (rounded to 0 decimals)

Property Damage

PD Prem1 = PD Base Rate * PD Territory Factor * PD Class Factor (rounded to 0 decimals)

PD Prem2 = PD Prem1 * Point Surcharge Factor * Increased Limits Factor * Discount Factor (rounded to 0 decimals)

PD Prem = PD Prem2 * Term Factor (rounded to 0 decimals)

Base Rates

Policy Term Factors

Coverage Base Rate Term Factor Bodily Injury (BI) $224 6 Months 0.500

Property Damage (PD) $197 12 Months 1.000

For policy terms other than those shown above, calculate a prorated factor of number of days in policy term / number of days in year (366 for leap years).

Increased Limits Factor Fees

Coverage Limits Factor Type Fee Amount

BI/PD $25,000/$50,000/$25,000 1.00 SR-22 $15 per driver

Discount Factor Minimum Earned Bond Premium

Type Credit Amount Credit Factor Bond Type Amount

Paid In Full 8% 0.9200 New $60

Renewal $0

Point Surcharge Factors

Points Factor Points Factor Points Factor Points Factor

0 1.00 15 2.72 30 11.37 45 47.51

1 1.00 16 2.99 31 12.51 46 52.26

2 1.10 17 3.29 32 13.76 47 57.48

3 1.20 18 3.62 33 15.14 48 63.23

4 1.20 19 3.99 34 16.65 49 69.55

5 1.20 20 4.38 35 18.32 50 76.51

6 1.55 21 4.82 36 20.15

Multiply by a factor of 1.10 for each additional point above 50

points.

7 1.55 22 5.31 37 22.16

8 1.55 23 5.84 38 24.38

9 1.95 24 6.42 39 26.82

10 1.95 25 7.06 40 29.50

11 2.25 26 7.77 41 32.45

12 2.25 27 8.54 42 35.69

13 2.25 28 9.40 43 39.26

14 2.48 29 10.34 44 43.19



Territory Factors

Territory BI PD Territory BI PD Territory BI PD

2 1.9841 2.0041 22 1.3870 1.3870 42 1.5030 1.5030

3 1.7500 1.7675 25 1.6090 1.6412 43 1.5270 1.5270

4 1.6110 1.5950 26 1.3750 1.3750 44 1.6280 1.5954

5 1.7340 1.7340 27 1.2920 1.2920 46 1.3565 1.3701

6 1.6504 1.6504 28 1.2200 1.2200 47 1.2270 1.2520

7 1.3902 1.4319 31 1.2470 1.2470 48 1.2689 1.2689

8 1.5445 1.5602 32 1.1910 1.1910 49 1.2801 1.2801

9 1.2553 1.2680 35 1.3637 1.3637 51 1.1970 1.1970

11 1.8988 1.8800 36 1.1704 1.1588 52 1.0643 1.0750

15 1.3570 1.3570 37 1.1240 1.1240 53 1.5445 1.5760

17 1.5123 1.5272 38 1.1110 1.1110 60 1.3470 1.3470

20 1.4040 1.4040 39 1.1390 1.1390 61 1.2670 1.2670

Class Factors

Class BI PD Class BI PD Class BI PD

SM15 4.754 4.754 SM44 0.990 1.007 SM73 1.359 1.390

SM16 4.754 4.754 SM45 0.990 0.998 SM74 1.427 1.450

SM17 4.668 4.668 SM46 0.981 0.998 SM75 1.650 1.652

SM18 4.538 4.538 SM47 0.981 0.998 SM76 1.650 1.652

SM19 2.513 2.513 SM48 0.981 0.988 SM77 1.650 1.652

SM20 2.200 2.292 SM49 0.972 0.979 SM78 1.650 1.652

SM21 1.864 1.700 SM50 0.963 0.979 SM79 1.650 1.652

SM22 1.710 1.594 SM51 0.954 0.969 SM80 1.650 1.652

SM23 1.584 1.384 SM52 0.954 0.969 SM81 1.650 1.652

SM24 1.431 1.324 SM53 0.954 0.969 SM82 1.650 1.652

SM25 1.287 1.217 SM54 0.954 0.969 SM83 1.650 1.652

SM26 1.233 1.217 SM55 0.954 0.969 SM84 1.650 1.652

SM27 1.179 1.179 SM56 0.954 0.969 SM85 1.650 1.652

SM28 1.125 1.170 SM57 0.954 0.969 SM86 1.650 1.652

SM29 1.089 1.158 SM58 0.954 0.969 SM87 1.650 1.652

SM30 1.071 1.108 SM59 0.963 0.979 SM88 1.650 1.652

SM31 1.062 1.097 SM60 0.972 1.030 SM89 1.650 1.652

SM32 1.053 1.097 SM61 0.981 1.040 SM90 1.650 1.652

SM33 1.044 1.095 SM62 0.990 1.040 SM91 1.650 1.652

SM34 1.035 1.090 SM63 1.007 1.050 SM92 1.650 1.652

SM35 1.026 1.070 SM64 1.040 1.060 SM93 1.650 1.652

SM36 1.017 1.040 SM65 1.072 1.088 SM94 1.650 1.652

SM37 1.017 1.026 SM66 1.104 1.123 SM95 1.650 1.652

SM38 1.008 1.017 SM67 1.137 1.159 SM96 1.650 1.652

SM39 1.008 1.017 SM68 1.169 1.194 SM97 1.650 1.652

SM40 0.999 1.017 SM69 1.202 1.230 SM98 1.650 1.652

SM41 0.999 1.017 SM70 1.234 1.265 SM99+ 1.650 1.652

SM42 0.999 1.007 SM71 1.266 1.301 SM43 0.990 1.007 SM72 1.299 1.340



Class Factors


SF15 3.589 3.582 SF44 1.030 0.989 SF73 1.302 1.346

SF16 3.589 3.582 SF45 1.030 0.979 SF74 1.346 1.392

SF17 3.523 3.505 SF46 1.020 0.979 SF75 1.562 1.615

SF18 3.425 2.900 SF47 1.020 0.979 SF76 1.562 1.615

SF19 2.151 2.151 SF48 1.020 0.969 SF77 1.562 1.615

SF20 1.896 1.896 SF49 1.009 0.969 SF78 1.562 1.615

SF21 1.448 1.448 SF50 0.999 0.955 SF79 1.562 1.615

SF22 1.343 1.343 SF51 0.989 0.943 SF80 1.562 1.615

SF23 1.251 1.251 SF52 0.979 0.932 SF81 1.562 1.615

SF24 1.187 1.187 SF53 0.979 0.932 SF82 1.562 1.615

SF25 1.139 1.150 SF54 0.968 0.920 SF83 1.562 1.615

SF26 1.127 1.150 SF55 0.968 0.920 SF84 1.562 1.615

SF27 1.115 1.137 SF56 0.968 0.920 SF85 1.562 1.615

SF28 1.104 1.122 SF57 0.968 0.920 SF86 1.562 1.615

SF29 1.093 1.093 SF58 0.968 0.920 SF87 1.562 1.615

SF30 1.112 1.071 SF59 0.979 0.920 SF88 1.562 1.615

SF31 1.102 1.061 SF60 0.979 0.938 SF89 1.562 1.615

SF32 1.092 1.051 SF61 0.989 0.966 SF90 1.562 1.615

SF33 1.092 1.040 SF62 1.009 0.994 SF91 1.562 1.615

SF34 1.082 1.035 SF63 1.020 1.022 SF92 1.562 1.615

SF35 1.071 1.024 SF64 1.040 1.050 SF93 1.562 1.615

SF36 1.061 1.012 SF65 1.071 1.078 SF94 1.562 1.615

SF37 1.051 1.010 SF66 1.092 1.107 SF95 1.562 1.615

SF38 1.051 1.001 SF67 1.112 1.135 SF96 1.562 1.615

SF39 1.051 1.001 SF68 1.133 1.163 SF97 1.562 1.615

SF40 1.040 1.001 SF69 1.154 1.191 SF98 1.562 1.615

SF41 1.040 1.000 SF70 1.174 1.219 SF99+ 1.562 1.615

SF42 1.040 0.989 SF71 1.213 1.254 SF43 1.030 0.989 SF72 1.257 1.300

Class Factors


MM15 3.483 3.586 MM44 0.930 0.930 MM73 1.299 1.372

MM16 3.483 3.586 MM45 0.930 0.930 MM74 1.299 1.407

MM17 3.420 3.521 MM46 0.930 0.930 MM75 1.604 1.652

MM18 3.325 3.424 MM47 0.930 0.930 MM76 1.604 1.652

MM19 2.120 2.183 MM48 0.920 0.920 MM77 1.604 1.652

MM20 1.878 1.933 MM49 0.920 0.920 MM78 1.604 1.652

MM21 1.581 1.628 MM50 0.910 0.910 MM79 1.604 1.652

MM22 1.501 1.545 MM51 0.900 0.900 MM80 1.604 1.652

MM23 1.278 1.316 MM52 0.900 0.900 MM81 1.604 1.652

MM24 1.224 1.261 MM53 0.900 0.900 MM82 1.604 1.652

MM25 1.088 1.131 MM54 0.900 0.900 MM83 1.604 1.652

MM26 1.068 1.121 MM55 0.900 0.900 MM84 1.604 1.652

MM27 1.046 1.099 MM56 0.900 0.900 MM85 1.604 1.652

MM28 1.036 1.088 MM57 0.900 0.900 MM86 1.604 1.652

MM29 1.030 1.077 MM58 0.900 0.900 MM87 1.604 1.652



Class Factors


MM30 1.010 1.025 MM59 0.910 0.910 MM88 1.604 1.652

MM31 1.000 1.015 MM60 0.910 0.910 MM89 1.604 1.652

MM32 0.990 1.015 MM61 0.942 0.946 MM90 1.604 1.652

MM33 0.990 1.015 MM62 0.975 0.981 MM91 1.604 1.652

MM34 0.980 0.994 MM63 1.007 1.017 MM92 1.604 1.652

MM35 0.970 0.970 MM64 1.040 1.052 MM93 1.604 1.652

MM36 0.960 0.960 MM65 1.072 1.088 MM94 1.604 1.652

MM37 0.960 0.960 MM66 1.104 1.123 MM95 1.604 1.652

MM38 0.950 0.950 MM67 1.137 1.159 MM96 1.604 1.652

MM39 0.950 0.950 MM68 1.169 1.194 MM97 1.604 1.652

MM40 0.950 0.950 MM69 1.202 1.230 MM98 1.604 1.652

MM41 0.940 0.940 MM70 1.234 1.265 MM99+ 1.604 1.652

MM42 0.940 0.940 MM71 1.266 1.301 MM43 0.940 0.940 MM72 1.299 1.336

Class Factors


MF15 2.620 2.698 MF44 0.946 0.978 MF73 1.302 1.346

MF16 2.620 2.698 MF45 0.946 0.978 MF74 1.346 1.392

MF17 2.572 2.648 MF46 0.934 0.978 MF75 1.562 1.615

MF18 2.501 2.575 MF47 0.934 0.978 MF76 1.562 1.615

MF19 1.525 1.570 MF48 0.934 0.966 MF77 1.562 1.615

MF20 1.409 1.451 MF49 0.923 0.966 MF78 1.562 1.615

MF21 1.244 1.281 MF50 0.912 0.955 MF79 1.562 1.615

MF22 1.181 1.216 MF51 0.901 0.943 MF80 1.562 1.615

MF23 1.113 1.146 MF52 0.901 0.932 MF81 1.562 1.615

MF24 1.083 1.115 MF53 0.890 0.932 MF82 1.562 1.615

MF25 1.023 1.064 MF54 0.890 0.920 MF83 1.562 1.615

MF26 1.014 1.065 MF55 0.890 0.920 MF84 1.562 1.615

MF27 1.003 1.053 MF56 0.890 0.920 MF85 1.562 1.615

MF28 0.993 1.043 MF57 0.890 0.920 MF86 1.562 1.615

MF29 0.989 1.039 MF58 0.890 0.920 MF87 1.562 1.615

MF30 0.987 1.036 MF59 0.890 0.920 MF88 1.562 1.615

MF31 0.987 1.026 MF60 0.901 0.932 MF89 1.562 1.615

MF32 0.987 1.026 MF61 0.912 0.943 MF90 1.562 1.615

MF33 0.987 1.026 MF62 0.923 0.955 MF91 1.562 1.615

MF34 0.987 1.026 MF63 0.946 0.978 MF92 1.562 1.615

MF35 0.979 1.016 MF64 0.968 1.001 MF93 1.562 1.615

MF36 0.968 1.012 MF65 0.990 1.024 MF94 1.562 1.615

MF37 0.968 1.001 MF66 1.023 1.058 MF95 1.562 1.615

MF38 0.968 1.001 MF67 1.057 1.093 MF96 1.562 1.615

MF39 0.957 1.001 MF68 1.090 1.127 MF97 1.562 1.615

MF40 0.957 1.001 MF69 1.124 1.162 MF98 1.562 1.615

MF41 0.957 0.989 MF70 1.168 1.208 MF99+ 1.562 1.615

MF42 0.946 0.989 MF71 1.213 1.254 MF43 0.946 0.989 MF72 1.257 1.300