personal auto manual · 2020. 8. 17. · personal auto manual rule 1 - personal auto policy -...

Iowa New Business 11-01-20 North Star Mutual Ins. Co. Renewals 11-01-20

PERSONAL AUTO MANUAL

TABLE OF CONTENTS

ITEM RULE # PA PAGE

Antique Autos ........................................................................................................... 18 ............... 29-30 Application Procedure .............................................................................................. 35 ............... 48 Artisan Rating Factor ............................................................................................... ............... 59 Auto Loan/Lease Coverage ..................................................................................... 26 ............... 39 Campers (See Pickup Camper Bodies and Toppers) .............................................. 24 ............... 35-36 Cancellation/Nonrenewal ......................................................................................... 39 ............... 49 Changes ................................................................................................................... 32 ............... 46 Classic Autos ........................................................................................................... 19 ............... 31 Classification Definitions .......................................................................................... 3 ............... 4-6 Age, Sex and Marital Status Classifications (Of Operator) ............................... 3 ............... 5-6 Use Classifications ............................................................................................ 3 ............... 4 Classification Procedure .......................................................................................... 4 ............... 6-7 Classification Changes ...................................................................................... 4 ............... 7 Multi-Vehicle Risks ............................................................................................ 4 ............... 7 Primary Classification ........................................................................................ 4 ............... 6 Secondary Classification ................................................................................... 4 ............... 6-7 Single Car Risks ................................................................................................ 4 ............... 7 Coverages - Limits and Deductibles ........................................................................ 9 ............... 17-21 Base Rates ........................................................................................................ 9 ............... 17 Deductible Insurance ......................................................................................... 9 ............... 20 Medical Payments ............................................................................................. 9 ............... 17 Physical Damage for Vehicles Over 10 Years Old ............................................ 9 ............... 19 Policy Term ........................................................................................................ 9 ............... 21 Safety Glass Coverage ...................................................................................... 9 ............... 21 Split Liability Limits ........................................................................................... 9 ............... 17 Uninsured Motorists and Underinsured Motorists Coverage ............................ 9 ............... 18 Customizing Equipment Coverage .......................................................................... 21 ............... 32 Definitions................................................................................................................. 2 ............... 2-3 Artisan Vehicles ................................................................................................. 2 ............... 2 Farm Family Corporations and Partnerships ..................................................... 2 ............... 2 Farm Truck ........................................................................................................ 2 ............... 2 Federal Government Employees ....................................................................... 2 ............... 2 Motorcycle ......................................................................................................... 2 ............... 2 Off-Road Vehicle ............................................................................................... 2 ............... 3 Pickups and Vans .............................................................................................. 2 ............... 2 Private Passenger Auto ..................................................................................... 2 ............... 2 Snowmobile ....................................................................................................... 2 ............... 2 Discounts.................................................................................................................. 5 ............... 8-10 Accident Prevention Course .............................................................................. 5 ............... 9-10 Anti-Theft ........................................................................................................... 5 ............... 9 Companion Policy .............................................................................................. 5 ............... 8 Good Student ..................................................................................................... 5 ............... 10 Household .......................................................................................................... 5 ............... 8 Multi-Vehicle ...................................................................................................... 5 ............... 8 Paid In Full ......................................................................................................... 5 ............... 10 Passive Restraint ............................................................................................... 5 ............... 9 Eligibility Personal Auto Policy ................................................................................. 1 ............... 1 Eligibility Vehicles and Drivers ................................................................................. 41 ............... 50-51 Employers Non-ownership Liability .......................................................................... 15 ............... 28 Excess Electronic Equipment Cov. & Tapes, Records, Disks & Other Media Cov. 12 ............... 25 Extended Non-Owned Coverage (Borrowed Or Rented Autos) .............................. 14 ............... 27 Farm Truck Rating Factor Table .............................................................................. ............... 59 Financial Responsibility Filings ................................................................................ 42 ............... 51

Iowa New Business 11-01-20 North Star Mutual Ins. Co. Renewals 11-01-20


TABLE OF CONTENTS CONTINUED

ITEM RULE # PA PAGE

Installment Premium Payment Option ..................................................................... 37 ............... 48 Insurance Score ....................................................................................................... 45 ............... 54-55 Loan/Lease Coverage .............................................................................................. 26 ............... 39 Motor Homes ............................................................................................................ 23 ............... 34 Motorcycles, Snowmobiles and Off-Road Vehicles ................................................. 28 ............... 40-45 Eligibility ............................................................................................................. ............... 40 Rating Class Factor ................................................................................................ ............... 40-43 Engine Size Factor ...................................................................................... ............... 44 Lay-Up Period ............................................................................................. ............... 44 Passenger Hazard Liability ......................................................................... ............... 44 Rider Safety Apparel Coverage .................................................................. ............... 44 Additional Coverage Options ............................................................................. ............... 45 Motorcycle, Snowmobile and Off-Road Vehicle Custom Equipment Coverage ...... 22 ............... 33 Named Non-Owner Coverage.................................................................................. 13 ............... 26 Nonrenewal (See Cancellation/Nonrenewal) ........................................................... 39 ............... 49 Optional Limits Transportation Expenses Coverage (Rental Expense Cov.) .......... 16 ............... 28 Pickup Camper Bodies and Toppers ....................................................................... 24 ............... 35-36 Policy Period and Continuation ................................................................................ 30 ............... 46 Premium Calculation Steps All Autos except Motorcycles, Snowmobiles and Off-Road Vehicles ................ 8A ............... 16 Motorcycles, Snowmobiles and Off-Road Vehicles ........................................... 8B ............... 16 Premium Determination ........................................................................................... 7 ............... 14-15 All Autos except Motorcycles, Snowmobiles and Off-Road Vehicles ................ 7 ............... 14 Motorcycles, Snowmobiles and Off-Road Vehicles ........................................... 7 ............... 15 Premium Determination - Farm Trucks .................................................................... ............... 59 Pro-Rata Changes ................................................................................................... 33 ............... 46 Questionable Applicants .......................................................................................... 36 ............... 48 Rate Change ............................................................................................................ 31 ............... 46 Rates For Symbols Not Displayed ........................................................................... 11 ............... 24 Rating Factors and Statistical Codes Primary Classifications ...................................................................................... ............... 56-58 Secondary Classifications ................................................................................. ............... 58 Rating Territories and Factors.................................................................................. 34 ............... 47 Rating Tier Selection And Factors ........................................................................... 44 ............... 53 Auto Discount Selection Guide .......................................................................... 44 ............... 53 Roadside Assistance ................................................................................................ 17 ............... 28-29 Safe Driver Insurance Plan (SDIP) .......................................................................... 6 ............... 11-14 Administration of SDIP....................................................................................... 6 ............... 14 Combination Accidents and Convictions ........................................................... 6 ............... 13 Definitions .......................................................................................................... 6 ............... 11-13 Driving Record Sub-Classification ..................................................................... 6 ............... 13 Multi-Vehicle Risk .............................................................................................. 6 ............... 13 Schedule of Endorsements ...................................................................................... ............... 60 Suspension............................................................................................................... 40 ............... 49 Symbol Determination for Pickups, Vans, Farm Trucks and Unlisted Vehicles ...... 10 ............... 22-23 Towing and Labor Costs (See Roadside Assistance) ............................................. 17 ............... 28-29 Trailers Designed for Use with Private Passenger Autos, ....................................... 25 ............... 36-38 Motorcycles, Snowmobiles or Off-Road Vehicles Transportation Expenses Coverage – Optional Limits (Rental Expense Cov.) ....... 16 ............... 28 Trusts as Additional Insureds ................................................................................... 27 ............... 39 Undesirable Vehicles ............................................................................................... 43 ............... 52 Whole Dollar Premium ............................................................................................. 29 ............... 45

Territory Definitions ............................................................................................... T-1 – T-4

Iowa New Business 11-01-20

North Star Mutual Ins. Co. PA - 1 Renewals 11-01-20


RULE 1 - PERSONAL AUTO POLICY - ELIGIBILITY

A. A Personal Auto Policy will be used to provide coverage to private passenger autos, and motor vehicles

considered as private passenger autos in RULE 2 if:

1. They are written on a specified auto basis; and

2. They are owned by an individual or by spouses who are residents in the same household.

Both spouses who are residents in the same household may be listed as named insureds on the declarations page.

B. A Personal Auto Policy will be used to provide coverage to private passenger autos, pickups, and vans that

are owned jointly by two or more:

1. resident relatives other than spouses;

2. resident individuals; or

3. non-resident relatives, including non-resident spouses; if:

a. they are written on a specified auto basis; and

b. the Joint Ownership Coverage endorsement is attached.

C. A Personal Auto Policy will be used to provide coverage to motor homes if:

1. they are written on a specified vehicle basis;

2. they are owned by an individual, by spouses who are residents of the same household, or by two or more resident relatives; and

3. the Miscellaneous Type Vehicle Endorsement is attached.

D. Private Passenger Autos owned by corporations, co-partnerships, or unincorporated associations are not

eligible.

Exception:

Private Passenger Autos, motorcycles, snowmobiles and off-road vehicles owned by farm family co-partnerships or farm family corporations principally garaged on a farm or ranch shall be classified and rated in accordance with RULES 3 and 4, provided that vehicle is not used in an occupation other than farming or ranching.

E. A Personal Auto Policy will be used to provide coverage to farm trucks provided they meet the requirements

in RULE 1, Paragraph A. and are not used to haul for others or for hire.

F. A Personal Auto Policy shall be used to provide coverage to motorcycles, snowmobiles or off-road vehicles if:

1. they accompany other vehicles on new business or are part of an existing account; 2. they meet the underwriting criteria regarding vehicle class and use; 3. principal operator is 25 years old or older and meets all other driver eligibility requirements under the

Personal Auto program; 4. for motorcycles, operator has a motorcycle license that is confirmed by MVR. and 5. The Miscellaneous Type Vehicle Endorsement or Snowmobile Endorsement is attached.

G. NAMED NON-OWNER PP 03 22

A Personal Auto Policy may be used to provide coverage to a named individual who does not own an auto. The named non-owner coverage endorsement must be attached. This coverage may be used for existing accounts only. It is not to be used on new business.

http://www.northstarmutual.com/UserFiles/File/forms/policyforms/Current/PP%2003%2022%2001%2005.pdf



RULE 2 - DEFINITIONS

A. 1. PRIVATE PASSENGER AUTO

A private passenger auto is a four wheel motor vehicle, other than a truck type, owned or leased under contract for a continuous period of at least six months, and:

a. not used as a public or livery conveyance for passengers;

b. not rented to others; and

c. not enrolled in a personal vehicle sharing program or being used in connection with such a sharing program.

2. PICKUPS AND VANS

A motor vehicle that is a pickup or van shall be considered a private passenger auto, if it:

a. is owned by an individual or by spouses who are residents of the same household;

b. has a Gross Vehicle Weight Rating of:

1) 10,000 lbs. or less; or

2) is a vehicle with a Gross Vehicle Weight Rating greater than 10,000 lbs. but for which a symbol is displayed in the Symbol and Identification section; and

c. is not used for the delivery or transportation of goods or materials unless such use is:

1) incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment as an Artisan (see definition of Artisan Vehicle below); or

2) for farming or ranching.

3. FEDERAL GOVERNMENT EMPLOYEES PP 03 01

A pickup or van used in the business of the United States Government, by an employee of the Government, shall be considered a private passenger auto only if:

a. it meets the conditions in 2.a., 2.b. and 2.c. above; and

b. coverage is limited in accordance with the federal employees using autos in government business endorsement.

4. FARM FAMILY CORPORATIONS AND PARTNERSHIPS NSG-PA02

A motor vehicle owned by a farm family co-partnership or farm family corporation shall be considered a private passenger auto owned by two or more relatives who are residents of the same household if:

a. it is principally garaged on a farm or ranch; and

b. it otherwise meets the definitions in 1. and 2. above.

5. FARM TRUCK NSG-PA04

A farm truck is a truck type motor vehicle, including semi-tractors, which is used on a seasonal basis for farming purposes but is not used for pleasure, commuting to work, or hauling for hire.

6. ARTISAN VEHICLE

An artisan vehicle is a pickup, van or SUV with a Gross Vehicle Weight Rating of 10,000 lbs. or less. The use must not be for the delivery or transportation of goods or materials unless such use is incidental to the insureds business of installing, maintaining or repairing furnishings or equipment. (i.e. carpenter, electrician, plumber, plasterer, or painter)

7. MOTORCYCLE

A motorcycle is any self-propelled vehicle designed to travel on fewer than four wheels that is powered by an engine rated at greater than five horsepower and is designed for use principally on public roads.

8. SNOWMOBILE

A snowmobile is any motor-driven vehicle which is designed for travel mainly off public roads on snow or ice that utilizes sled-type runners or skis and propelled solely by means of crawler-type treads or belts.


http://www.northstarmutual.com/UserFiles/File/forms/policyforms/Current/NSG-PA02.pdf




RULE 2 - DEFINITIONS (Continued)

9. OFF-ROAD VEHICLE

An off-road vehicle is any motorized vehicle, including golf carts, all-terrain motorcycles, ATVs, and UTVs designed for, or capable of, cross-country travel on land, sand, snow, ice, marsh, swampland, or other natural terrain. These vehicles may be customized to include such things as winches, track systems, or snow plows.

NOTE: These may not be used for any business purposes other than farming.

B. AUTO as used in this manual refers to a private passenger auto or a vehicle considered as a private passenger

auto.

C. LIABILITY as used in this manual refers only to Bodily Injury and Property Damage Coverages.

D. OTHER THAN COLLISION (OTC) COVERAGE as used in this manual refers to other than collision damage

to a motor vehicle.

E. OWNED as used in this manual includes an auto leased under contract for a continuous period of at least six

months. If an auto lease contract requires the lessee to provide primary insurance for the lessor, attach the

Additional Insured-Lessor endorsement PP 03 19.

F. GROSS VEHICLE WEIGHT RATING as used in this manual refers to the maximum loaded weight for which

a single vehicle is designed, as specified by the manufacturer.

http://www.northstarmutual.com/userfiles/documents/forms/policyforms/current/PP%2003%2019%2008%2086.pdf



RULE 3 - CLASSIFICATION DEFINITIONS

A. USE CLASSIFICATIONS

1. BUSINESS USE means that the use of the auto is required by or customarily involved in the duties of the applicant or any other person customarily operating the auto in an occupation, profession or business other than going to or from the principal place of occupation, profession, or business.

2. FARM USE means the auto is principally garaged on a farm or ranch, and:

a. it is not customarily used in going to or from work other than farming or ranching;

b. it is not customarily used in going to or from school;

c. it is not customarily used in any occupation other than farming or ranching; and

d. a substantial portion of the insured’s income is derived from active farming or ranching.

3. PLEASURE USE means:

a. no BUSINESS USE; and

b. personal use including driving to or from work or school:

1) less than 3 road miles one way; or

2) 3 or more, but less than 15 road miles one way for not more than 2 days per week or not more than 2 weeks in any 5 week period.

4. WORK LESS THAN 15 MILES means:



1) 3 or more, but less than 15 road miles one way if such usage is more than 2 days per week or more than 2 weeks per 5 week period; or

2) 15 or more, but less than 30 road miles one way for not more than 2 days per week or not more than 2 weeks in any 5 week period.

5. WORK 15 OR MORE BUT LESS THAN 30 MILES means:



1) 15 or more but less than 30 road miles one way more than 2 days per week or more than 2 weeks in any 5 week period; or

2) 30 or more road miles one way for not more than 2 days per week or not more than 2 weeks in any 5 week period.

6. WORK 30 OR MORE MILES means personal use including driving to or from work or school 30 or more road miles one way more than 2 days per week or more than 2 weeks in any 5 week period.

7. An auto driven part way to or from work or school, such as to a railroad or bus depot, whether or not the auto is parked at the depot during the day, shall be considered as driving to or from work or school.

8. An auto used by a member of the clergy shall not be considered as used for business or driven to and from work. Rate as pleasure use.

9. Motorcycles, Snowmobiles and Off-Road Vehicles will be considered as used for Pleasure Use only.

LIABILITY COVERAGE ONLY

10. An auto used in the business of the U.S. Government by one of its employees may be classified and rated as PLEASURE USE, WORK LESS THAN 15 MILES or WORK 15 OR MORE MILES when the “Federal Employees Using Autos In Government Business” endorsement PP 03 01 is used to limit coverage.




RULE 3 - CLASSIFICATION DEFINITIONS (Continued)

B. AGE, SEX AND MARITAL STATUS CLASSIFICATIONS

1. YOUTHFUL OPERATOR means an applicant or any other operator resident in the same household as the applicant, who customarily operates the auto and is one of the following:

a. YOUTHFUL UNMARRIED FEMALE OPERATOR - unmarried female age 24 and younger;

b. YOUTHFUL MARRIED MALE OPERATOR - married male age 24 and younger;

c. YOUTHFUL UNMARRIED MALE OPERATOR - unmarried male age 24 and younger who is not an owner or principal operator; or

d. YOUTHFUL UNMARRIED MALE OWNER OR PRINCIPAL OPERATOR - unmarried male age 24 and younger who is an owner or principal operator.

2. OPERATORS AGE 50 AND OVER

a. Subject to paragraphs b. and c. below, the operator age shall determine the primary classification.

b. If all operators in the household are age 50 or over, the classes shall apply to all autos.

c. If there are operators in the household under age 50:

1) Any youthful operator class shall apply in accordance with the youthful operator rules. 2) Autos principally operated by an adult under age 50 shall be rated at the “All Other” or “Only

Operator Female Age 30-49” Classification (unless a youthful operator classification is applicable).

3. AGE means the age attained on the last birthday.

4. MARRIED means a married person living with his or her spouse and includes a person widowed, divorced, or legally separated only if such person has custody of one or more resident children.

5. PRINCIPAL OPERATOR means:

a. an individual whose operation of the auto constitutes 50% or more of its time or mileage use is considered a principal operator.

b. each individual who does not qualify as a principal operator as defined in a. above but whose aggregate operation of all private passenger automobiles in the household equals 50% or more of the total time or mileage use of one insured automobile is considered a principal operator for one such automobile.

c. if two or more unmarried youthful operators do not individually qualify as principal operator but their combined use of the automobile constitutes 50% or more of its total time or mileage use, the automobile is considered as having a principal operator of the same age as the unmarried youthful operator who is the most frequent operator.

d. When two or more vehicles are insured for a principal operator with a youthful driver class code, the youthful operator - principal driver factor will apply to the highest rated vehicle whether principally operated or not. The all other class factor will apply to the other vehicles insured.

e. The principal operator of a motorcycle, snowmobile or off-road vehicle must be:

1) Age 25 or greater; and 2) A named insured or a member of the named insured’s household.

6. RESIDENT means anyone residing in the same household.

Exceptions:

a. A person in active military service with the armed forces of the United States of America is not considered a resident in the applicant’s household unless this person customarily operates the auto. This applies to military assignment after basic training.



RULE 3 - CLASSIFICATION DEFINITIONS (Continued)

b. If a YOUTHFUL UNMARRIED FEMALE OPERATOR is a student residing at an educational institution over 100 road miles from the address of the named insured shown on the declarations and does not have a car with her, she is rated under the “All Other” class on the highest rated vehicle. This does not apply to OTC only vehicles.

c. If a YOUTHFUL UNMARRIED MALE OPERATOR is a student residing at an educational institution over 100 road miles from the address of the named insured shown on the declarations and does not have a car with him, he is rated as if he is MARRIED on the highest rated vehicle. This does not apply to OTC only vehicles.

Note: For the purpose of Exception c., if the rating factor for a married youthful operator is greater than the factor for an unmarried youthful operator, use the lower factor and corresponding statistical code.

RULE 4 - CLASSIFICATION PROCEDURE

Refer to RULE 3 - CLASSIFICATION DEFINITIONS for definitions of terms used in this rule.

A. Autos owned by an individual or owned jointly by two or more relatives or resident individuals are classified

as follows:

1. PRIMARY CLASSIFICATION

a. Classify the auto according to the age, sex, and marital status of the operators, the use of the auto, and the eligibility of youthful operators Good Student classes; and

b. Determine the applicable factor from the Primary Rating Factor tables.

Note: The exposure increases considerably when a youthful driver is first learning to drive. It is therefore required that when a youthful driver can legally drive unsupervised he or she be added to the policy as a driver and the appropriate youthful driver classification be applied on the next renewal date. There are two separate factors for youthful drivers – one factor for OTC coverage and one for all other coverage types. In the Primary Rating Factor tables, these are noted as “Other/OTC”.

2. SECONDARY CLASSIFICATION

a. Determine if the auto is:

1) a single vehicle; or

2) part of a multi- vehicle risk.

b. Refer to the Safe Driver Insurance Plan to classify operators according to the provisions of the Plan.

c. Refer to the Secondary Rating Factor table to determine the appropriate factor to be added to, or subtracted from the Primary Rating Factor to determine the “Total Rating Factor”.

3. The applicable “Youthful Operator” Classifications shall be applied as follows:

Determine the number of Youthful Operators and the Primary Rating Factor for each at the Pleasure Use Classification.

a. If there are more cars than Youthful Operators, or an equal number of cars and Youthful Operators, assign operators to cars as follows:

1) Each principal Youthful Operator to the car principally operated;

2) Remaining Youthful Operators to remaining cars in the order of highest rated Youthful Operator to the car with the highest Total Base Premium without regard to the cars operated; and

3) Any remaining cars at the appropriate No Youthful Operator classification.

4) If an insured is provided with a company vehicle, that vehicle will be considered as their primary auto and therefore that person should not be rated on a vehicle on the policy.



RULE 4 - CLASSIFICATION PROCEDURE (Continued)

b. If there are more Youthful Operators than cars, assign Youthful Operators to cars as follows:

1) Select the Youthful Operators with the highest Pleasure Use rating factors equal to the number of cars.

2) Of those selected in paragraph 1), assign any principal operator to the cars they principally operate.

3) Of those remaining after principal operator assignment in paragraph 2), assign operators to cars in the order of highest rated Youthful Operator to the car with the highest Total Base Premium.

After assigning Youthful Operators to cars on the basis of the primary Pleasure Use factors, each factor must be adjusted for the actual car use before determining and applying the Secondary Rating Factor.

c. If the TOTAL BASE PREMIUM is the same for each car, the classification for any youthful operator who is not the principal operator of any of the autos is applied to the auto with the lowest rated use classification.

TOTAL BASE PREMIUM is the sum of the base premiums for Bodily Injury and Property Damage Liability, Medical Payments, Other Than Collision (OTC) and Collision coverages that apply to the auto.

4. SINGLE VEHICLE RISKS AND MULTI-VEHICLE RISKS

a. Single Vehicle Risks

If the number of youthful operators exceeds the number of autos, the Youthful Operator Classifications with the highest Primary Rating Factors apply. In determining such classifications, any Good Student qualification shall apply.

b. Multi-Vehicle Risks

The applicable Multi-Vehicle Rating Factor applies if more than one eligible private passenger auto, motorcycle, snowmobile or off-road vehicle is owned and operated by an individual or by two or more resident relatives, and two or more such vehicles are insured by North Star for any of the following coverages:

Bodily Injury Liability, Property Damage Liability, Medical Payments, Other Than Collision (OTC) or Collision insurance. The vehicle operators must be resident relatives of the insured's household.

For purposes of this rule, a relative shall include the following persons:

Spouse; Child, adopted child, stepchild or grandchild; Parent, stepparent or grandparent; Brother or stepbrother; or Sister or stepsister.

Motor Homes, Farm Trucks, or trailers are not eligible for the Multi-Vehicle discount and do not qualify other vehicles for the Multi-Vehicle discount.

B. CLASSIFICATION CHANGES

Compute premium adjustments on a pro-rata basis when changes in Primary and Secondary Rating Classifications are made. This includes the addition or deletion of an operator during the policy term.

Exceptions:

1. A policy shall not be changed mid-term because of the attained age of an operator of the auto.

2. A policy shall not be changed mid-term to affect a change in the Driving Record Sub-Classification.

3. A policy shall not be changed mid-term solely due to a change in symbol assignment based on a review of loss experience for vehicle series rating by the Insurance Services Office.



RULE 5 - DISCOUNTS

A. COMPANION POLICY DISCOUNT

1. The Companion Policy Discount allows an additional discount, (for Select, Preferred and Five Star rated vehicles) on the auto premium for those insureds who have their Homeowners, Mobile Homeowners or Farmowners Policy with North Star Mutual Insurance Company. Tenants forms must carry a minimum amount of $30,000 on Coverage C to qualify for the discount. Apply the discount to each coverage requested on the application. There may be some variance due to rounding procedures. The vehicle operators must be resident relatives of the insured's household or students enrolled in school full time, as defined by the school. Dwelling Fire and Farm Fire policies do not apply.

2. The discount amount will be as follows: a. 22% of liability premiums (BI, PD, UM, UIM, MP) b. 17% of the premium of all other coverages. 3. The discount shall continue for each subsequent auto renewal, provided the individual continues to

maintain the qualifying policy with North Star Mutual Insurance Company. 4. On existing policies, the discount will only be applied at renewal. 5. To qualify for the Companion Policy Discount, the supporting coverage must be implemented within the

following length of time after the effective date of the Personal Auto Policy: a. Homeowners – 75 days. b. Farmowners – 90 days. 6. Qualification for the Companion Policy Discount assumes that all personal autos of the insured are being

written with North Star Mutual. 7. Show the qualifying policy number in the GENERAL INFORMATION section of the application.

B. MULTI-VEHICLE DISCOUNT

The applicable Multi-Vehicle Rating Factor applies if more than one eligible private passenger auto, motorcycle, snowmobile or off-road vehicle is owned and operated by an individual or by two or more resident relatives and the vehicles are insured on the same policy.

Note: Combinations of these vehicle types will not qualify both the motorcycle/snowmobile/off-road vehicle and private passenger auto for the discount (one car and one motorcycle). The discount will be applied separately to private passenger autos and motorcycles, snowmobiles and off-road vehicles. One motorcycle and one off-road vehicle will qualify both for the discount. Refer to the Secondary Classifications for application of the Rating Factors and Statistical Codes.

C. HOUSEHOLD DISCOUNT

The Household Discount applies when there is only one eligible private passenger rated auto insured on the policy and a resident relative insures one or more eligible private passenger rated auto(s) on a separate policy in our company. This discount provides a - .19 rating factor which is applied to the primary rating factor. The discount may also apply if the insured only has one vehicle on the policy and is supplied a company car or has a separate commercial auto policy. It may also apply to non-traditional couples both insuring their autos with North Star on separate policies. The Household Discount and the Multi-Vehicle Discount may not apply simultaneously on the same policy. The Household Discount does not apply to motorcycles, snowmobiles or off-road vehicles.



RULE 5 - DISCOUNTS (Continued)

D. ANTI-THEFT DISCOUNT

These discounts apply to Other Than Collision (OTC) Coverage only. To qualify, the vehicle must be equipped with:

1. a hood lock which can be released only from inside the vehicle; and 2. a device meeting the criteria of either paragraph a. or b. below:

a. Alarm ONLY (Coverage Code 1) and Active Disabling Devices (Coverage Code 2) A 5% discount on Other Than Collision (OTC) Coverage will be provided on vehicles equipped with

1) alarm only devices which sound an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes, or 2) active disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as active if a separate manual step IS required to engage the device.

b. Passive Disabling Device (Coverage Code 3) A 15% discount on Other Than Collision (OTC) Coverage will be provided on vehicles equipped with

passive disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as passive if a separate manual step is NOT required to engage the device.

If a vehicle is equipped with more than one qualifying device, only the single highest discount shall apply.

Refer to Company for required evidence of installation of anti-theft devices meeting the above criteria prior to granting a discount.

E. PASSIVE RESTRAINT DISCOUNT

The following discounts apply to Medical Payments Coverage ONLY. To qualify, the private passenger auto must be equipped with a factory installed automatic occupant restraint conforming to the federal crash protection requirements, and meeting the criteria of either paragraph 1. or 2. below:

1. 20% discount will be provided when the restraint is installed in the driver-side-only position.

2. 30% discount will be provided when the restraints are installed in both front outboard seat positions.

F. ACCIDENT PREVENTION COURSE DISCOUNT (Defensive Driver)

1. A 5% Motor Vehicle Accident Prevention Course Discount shall be applied to the premiums for Bodily Injury Liability, Property Damage Liability, Medical Payments and Collision coverages provided the principal operator of the motor vehicle has a completion certificate certifying that he or she has successfully completed an accident prevention course approved by the Superintendent of the State Highway Patrol.

To be eligible for the discount, a principal operator who was age 50 or older when he or she completed the course must have a completion certificate dated within the most recent 36 months. (ATTACH PHOTOCOPY OF CERTIFICATE to application or request for discount.)

2. The discount applies as follows:

a. to new and renewal policies with inception dates within the 36-month period following the course completion date if the principal operator was age 50 or older when he or she completed the course.

b. only to the motor vehicle principally operated by the insured with the course completion certificate.

c. only once to each such motor vehicle regardless of the number of operators with course completion certificates.

d. This discount does not apply to motorcycles, snowmobiles or off-road vehicles

3. The discount shall not apply if the operator who completed the course has been assigned one or more points under the Safe Driver Insurance Plan as a result of accidents or convictions.



RULE 5 - DISCOUNTS (Continued)

F. ACCIDENT PREVENTION COURSE DISCOUNT (Defensive Driver) (Continued)

Current Business - The Accident Prevention Course Discount will be continued only if a new certificate is sent to the Home Office. The Home Office will send a notice to the agent approximately 90 days prior to the renewal date, stating that a new Accident Prevention Course Certificate is required. It is then the agent’s responsibility to forward the new certificate to the Home Office prior to the renewal notice being issued. This means that we must receive it no later than 45 days prior to the renewal date. Midterm class changes to apply the Accident Prevention Course Discount will be processed using the current date. Back dating the effective date is not permitted.

4. A 5% discount shall be applied to the premiums of your covered motorcycle for Bodily Injury and Property Damage Liability, Medical Payments, and Collision coverages for successful completion of a Motorcycle Safety Foundation certified course, provided the principal operator has a certificate showing that he or she has successfully completed the course. Section 2.d. above does not apply to this discount and Section 2.a. is replaced with:

a. to new and renewal policies with inception dates within the 36 month period following the course completion date.

All other application rules of sections 2 and 3 above apply.

G. GOOD STUDENT DISCOUNT

The applicable Good Student Classification in the Primary Classification Rating Table applies provided:

1. The owner or operator is a full time high school, college or university student. A full time student means a student enrolled in school full time, as defined by the school.

2. A certified statement from a school official is presented to the Company on each biannual anniversary date of the policy indicating that the student has met one of the following requirements during the immediately preceding school semester:

a. is in the upper 20% of his/her class scholastically;

b. maintains a “B” average, or its equivalent. If the letter grading system cannot be averaged, then no grade can be below “B”;

c. when in a school maintaining a numerical grade, must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent; or

d. student is included in a “Dean’s List”, “Honor Roll” or comparable list indicating scholastic achievement.

3. The Good Student discount will stay in effect through age 24 even if the owner or operator is no longer a full-time student if the owner/operator graduated from Vocational School, College, or University and was eligible during the last semester attended.

Current Business - The Good Student Discount will be continued only if a new certificate is sent to the Home Office biannually. The Home Office will send a notice to the agent approximately 90 days prior to the renewal date, stating that a new Good Student Certificate is required. It is then the agent’s responsibility to forward the new certificate to the Home Office prior to the renewal notice being issued. This means that we must receive it no later than 45 days prior to the renewal date. Midterm class changes to apply the Good Student Discount will be processed using the current date. Back dating the effective date is not permitted.

H. PAID IN FULL DISCOUNT

The Paid In Full Discount allows an additional discount on the auto premium for those insureds who:

1. New Business – Pay the full auto policy premium when they apply for coverage. The payment must be submitted with the application.

2. Renewal Business – Pay their auto policy premium in full, including any previous balance due by the due date of the renewal billing notice.

If payments are refused by the bank, the Paid In Full Discount will be reversed and may be denied on future renewals.

A discount of 7% will be applied to all applicable coverages and endorsements.



RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP)

A. DEFINITIONS

1. DRIVING RECORD POINTS

a. Convictions

Points shall be assigned for convictions during the experience period for motor vehicle violations of the applicant or any other current resident operator as follows:

1) One-half point is assigned for conviction of any moving traffic violation by any driver under the age of 30 which is not assigned under one of the following paragraphs This is limited to the first two convictions during the experience period. The third and successive convictions will be assigned one point for each conviction.

2) One point shall be assigned for the conviction of any moving traffic violation resulting in:

a) suspension or revocation of an operator's license; b) the filing of evidence of financial responsibility under any Financial Responsibility Law

required as of the effective date of the policy. 3) Two points shall be assigned for:

a) the accumulation of points under a State Point System or a series of convictions requiring the filing of evidence of Financial Responsibility under any Financial Responsibility Law as of the effective date of the policy; or

b) conviction of reckless driving.

4) Three points are assigned for conviction of:

a) driving while intoxicated or under the influence of drugs; b) failure to stop and report when involved in an accident; c) homicide or assault arising out of the operation of a motor vehicle; d) driving while license is suspended or revoked; or e) driving a motor vehicle at an excessive rate of speed and/or in a reckless manner where an

injury to person or damage to property results.

5) Minor Traffic Violations Exception

The first two speeding citations within a 12-month period for not more than 10 miles per hour in excess of legal speed zones that are equal to or greater than 35 miles per hour and not greater than 55 miles per hour shall not be counted as moving violations.



RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP) (Continued)

b. Accidents

Points shall be assigned for each accident that occurred during the experience period, involving the insured or operator of the vehicle, who is 50% or more at fault.

1) One-half point is assigned for each auto accident that results in total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision less than $2,500 .

2) One point is assigned for each auto accident that results in:

a) total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of $2,500 or more ; or

b) a loss experienced under the Other Than Collision (OTC) Coverage portion of the policy under the following conditions:

• A vehicle falling through the ice of any body of water;

• An at fault accident in which the loss would normally be paid under Collision Coverage, but glass breakage is paid under the OTC Coverage;

3) One point is assigned if, during the experience period there were two or more accidents each of which resulted in payment but have not been assigned a point under 2) above.

4) Chargeable losses resulting from the operation of a farm truck, motor home, artisan vehicle, antique auto, motorcycle, snowmobile or an off-road vehicle are subject to the provisions of the Safe Driver Insurance Plan.

Exceptions:

1) No points are assigned for accidents incurred by an operator demonstrated to be a named insured or a principal operator of a vehicle insured under a separate policy in this Company. In this situation the points will be assigned to the policy on which the operator is a named insured or principal operator.

2) No points are assigned for accidents occurring under the following circumstances:

a) vehicle lawfully parked (if the parked vehicle rolls from the parked position then any such accident is charged to the person who parked the vehicle);

b) the applicant, owner or other resident operator involved in an accident is

(1) determined to be 50% or less negligent; or (2) reimbursed for 50% or more of his or her damages by, or on behalf of persons involved

in the accident;

c) vehicle is struck in the rear by another vehicle and the applicant or other resident operator has not been convicted of a moving traffic violation in connection with this accident;

d) operator of the other vehicle involved in the accident was convicted of a moving traffic violation and the applicant or resident operator was not convicted of a moving traffic violation in connection with the accident;

e) vehicle operated by the applicant or any resident operator is struck by a “hit-and-run” vehicle, if the accident is reported to the proper authority within 24 hours by the applicant or resident operator;

f) accidents involving damage by contact with animals or fowl;

g) accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or falling objects; or

h) accidents occurring when using a vehicle in response to an emergency if the operator of the vehicle at the time of accident was a paid or volunteer member of any Police or Fire Department, First Aid Squad, or any law enforcement agency. This exception does not include an accident occurring after the vehicle ceases to be used in response to such emergency.




c. One point is assigned if, during the experience period there was one-half point assigned under convictions and one-half point assigned under accidents.

d. Refund of Surcharged Premium

If a point has been assigned for an accident and it is later determined that the accident falls under one of the exceptions in this rule, North Star shall refund to the insured the increased portion of the premium generated by the accident.

2. EXPERIENCE PERIOD

The experience period shall be the three years immediately preceding the date of application or the preparation of the renewal.

Acceptability will be based on all prior years with greater emphasis being placed on the most recent three years. A one month grace period may apply, which takes into consideration accidents or convictions within 30 days of dropping off.

B. DRIVING RECORD SUB-CLASSIFICATION

The driving record sub-classification shall be determined from the number of Driving Record Points accumulated during the 3 year experience period as follows:

Number of Driving Record Driving Record Points Sub-Classification

0 0 1 1 2 2 3 3 4 or more 4

C. MULTI-VEHICLE RISK

1. SINGLE VEHICLE

Points attributable to each driver shall be compiled separately and the total of all drivers shall determine the surcharge for that vehicle.

2. TWO VEHICLE RISK

Conviction points developed under the SDIP shall be assigned to the autos only, regardless of the vehicle type (auto, motorcycle, snowmobile/off-road vehicle) under which the conviction points were derived. Accident points developed under SDIP shall be assigned to the auto, motorcycle or snowmobile/off-road vehicle under which the accident points were derived. If the vehicle type cannot be determined, accident points shall be assigned to the autos.

3. THREE OR MORE VEHICLE RISK

Conviction points developed under SDIP shall be assigned to the two autos with the highest Total Base Premium, regardless of vehicle type (auto, motorcycle, snowmobile/off-road vehicle) under which the conviction points were derived. Accident points developed under SDIP shall be assigned to the two cars, motorcycles or snowmobiles/off-road vehicles under which the accident points were derived with the highest Total Base Premiums. If the vehicle type cannot be determined, accident points shall be assigned to the two highest rated autos. The remaining vehicles are rated at Sub-Class 0.

TOTAL BASE PREMIUM is the sum of the base premium for Bodily Injury and Property Damage Liability; Medical Payments; Other Than Collision (OTC); and Collision Coverages that apply to the auto.

D. COMBINATION ACCIDENTS AND CONVICTIONS

If a conviction and a chargeable accident result from the same occurrence, only the conviction or the accident developing the highest number of points shall be counted and the resulting rating points shall be used in determining the surcharge.




E. ADMINISTRATION OF SDIP

1. NEW BUSINESS

a. Initial information necessary to assign the proper Driving Record Sub-Classification shall be obtained from an application signed personally by the applicant.

b. The signature of the applicant on all applications received from an agent shall be certified by such agent.

2. RENEWAL BUSINESS

Information necessary to assign proper renewal Driving Record Sub-Classification shall be determined from any one or combination of the following:

a. Company’s own records;

b. Motor Vehicle records; or

c. An application signed by the applicant and producer.

RULE 7 - PREMIUM DETERMINATION

Bodily Injury and Property Damage Liability; Medical Payments, Other Than Collision (OTC) and Collision premiums are determined as follows:

A. All autos except Motorcycles, Snowmobiles and Off-Road Vehicles

1. Refer to the AUTO DISCOUNT SELECTION GUIDE to determine the eligibility requirements for the

“Select” rate. If additional criteria are met, the “Preferred” or “Five Star” discounts may be applicable.

2. Refer to the Rating Factors and Statistical Codes Rule to determine the applicable Classification, Rating

Factor and Statistical Code.

3. Refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto.

When model year is used in rating and the rates for a model year are not displayed in the rate pages, use the rates shown for the latest model year.

Refer to chart shown in RULE 10 for determination of symbols on pickups, vans, farm trucks and unlisted vehicles.

4. Refer to Territory Definitions to determine the territorial schedule code number for the location where the

auto is principally garaged.

Note: When a risk is statutorily required to have, or is eligible for, a coverage that is not available in the territory of principal garaging, use the registration address to determine the territory for that coverage.

5. Refer to Rule 9.A. to determine base rates for the desired coverage.

6. For Stated Amount Coverage multiply the rate by the limit of liability to determine the Base Premium.

7. The premium for each coverage is determined by multiplying the base rate by the appropriate rating

factors. (See RULE 8 - PREMIUM CALCULATION STEPS)

8. Apply the Undesirable Vehicle Surcharge if applicable. Refer to RULE 43.

9. When a surcharge is applicable under the Certified Risk - Financial Responsibility Laws Rule, the

surcharge is to be applied as outlined in RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP).



RULE 7 - PREMIUM DETERMINATION (Continued)

B. Motorcycles, Snowmobiles and Off-Road Vehicles

1. Motorcycles, Snowmobiles and Off-Road Vehicles shall be written at the “Five Star” rate.

2. All Coverage for a motorcycle, snowmobile or off-road vehicle must be written on one policy. Coverage cannot be shared between personal auto, personal liability, and inland marine.

3. Refer to the Rating Factors and Statistical Codes Rule to determine the applicable Classification, Rating Factor and Statistical Code.

4. To determine motorcycle, snowmobile or off-road vehicle model year/symbol relativity, determine the original cost new applicable to the motorcycle, snowmobile or off-road vehicle. Based on the original cost new of the motorcycle, snowmobile or off-road vehicle, assign a symbol using the appropriate table for the model year of the motorcycle, snowmobile or off-road vehicle as shown in RULE 10

When model year is used in rating and the rates for a model year are not displayed in the rate pages, use the rates shown for the latest model year.

5. Refer to Territory Definitions to determine the territorial schedule code number for the location where the motorcycle, snowmobile or off-road vehicle is principally garaged.

Note: When a risk is statutorily required to have, or is eligible for, a coverage that is not available in the territory of principal garaging, use the registration address to determine the territory for that coverage.

6. Refer to RULE 9.A. to determine base rates for the desired coverage.

7. Refer to RULE 28 to determine appropriate motorcycle, snowmobile or off-road vehicle type and engine size factors.

8. The premium for each coverage is determined by multiplying the base rate by the appropriate rating factors. (See RULE 8B - PREMIUM CALCULATION STEPS-MOTORCYCLES, SNOWMOBILES AND OFF-ROAD VEHICLES)

Iowa New Business 1101-20


RULE 8A - PREMIUM CALCULATION STEPS – ALL AUTOS EXCEPT MOTORCYCLES, SNOWMOBILES AND OFF-ROAD VEHICLES

After each calculation, round to the nearest whole dollar. If a particular rating item is not applicable for a particular coverage or vehicle, go to the next step.

Coverages

Calculation Steps BI/PD

Liability Medical

Payments

Uninsured / Underinsured

Motorists Other Than

Collision Collision

Ext. Trans. Exp., Excess

Electrical Equip.

Base Rate

x Rating Tier Factor x x N/A x x N/A

x Territory Factor x x x x x N/A

x Model Year/Symbol Relativity N/A N/A N/A x x N/A

x Limit Factor x x x N/A N/A N/A

x Deductible Factor N/A N/A N/A x x N/A x Accident Prevention Course Discount x x N/A N/A x N/A

x Driver Class Factor (Primary +/- Secondary) x x N/A x x N/A

x Anti-Theft Discount N/A N/A N/A x N/A N/A

x Passive Restraints N/A x N/A N/A N/A N/A

x Insurance Score Factor x x x x x x

x Companion Policy Discount x x x x x x

x Policy Term Factor x x x x x x

x Paid In Full Discount x x x x x x

= Premium = = = = = =

RULE 8B - PREMIUM CALCULATION STEPS – MOTORCYCLES, SNOWMOBILES AND OFF-ROAD VEHICLES

After each calculation, round to the nearest whole dollar. If a particular rating item is not applicable for a particular coverage or vehicle, go to the next step.

Motorcycle, Snowmobile and Off-Road Vehicle Coverage

Calculation Steps BI/PD

Liability Medical

Payments

Uninsured / Underinsured

Motorists

Other Than

Collision Collision

Base Rate

x Territory Factor x x x x x

x Model Year/Symbol Relativity N/A N/A N/A x x

x Limit Factor x x x N/A N/A

x Deductible Factor N/A N/A N/A x x

x Motorcycle Safety Course Discount x x N/A N/A x

x Driver Class Factor (Primary +/- Secondary) x x N/A x x

x Motorcycle, Snowmobile or Off-Road Vehicle Class Factor

x x x x x

x Engine Size Factor x x N/A x x

x Anti-Theft Discount N/A N/A N/A x N/A

x Insurance Score Factor x x x x x

x Companion Policy Discount x x x x x

x Policy Term Factor x x x x x

x Paid In Full Discount x x x x x

= Premium = = = = =



RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES

A. BASE RATES

Coverage

Bodily Injury (25/50)

Property Damage (25,000)

Other Than Collision* ($100 Ded)

Collision** ($250 Ded)

Medical Payments

(2,000)

Uninsured Motorist (25/50)

Underinsured Motorist (25/50)

Base Rate 65 88 320 281 24 9 9

Use ISO’s 2021 Base Model Year and Symbol Relativities to calculate physical damage premiums.

Apply the following modification factors to the ISO Model Year factors where X equals the ISO Base Model Year:

Model Year OTC COLL

X+2 0.95 0.95

X+1 0.95 0.95

X 0.97 0.97

X-1 0.98 0.98

X-2 0.99 0.98

X-3 1.00 0.98

X-4 1.00 1.01

X-5 1.00 1.03

X-6 1.00 1.03

X-7 1.00 1.03

X-8 1.00 1.03

X-9 1.00 1.04

X-10 0.97 1.02

X-11 & Prior 0.79 0.88

North Star Modification Factors to ISO Model Year

B. SPLIT LIABILITY LIMITS

B.I. Limits (000) Factor P.D. Limits Factor

25/50 1.00 25,000 1.00 50/100 1.20 50,000 1.03 100/300 1.43 100,000 1.07 300/300 1.57 250,000 1.15 250/500 1.65 **500,000 1.23 500/500 1.85 **1,000/1,000 2.09

** Do Not Bind Coverage. Refer to the Home Office for eligibility. To write maximum limits, the risk should be without any accidents or violations in the past three years. Asset protection is the primary factor in high limit consideration.

C. MEDICAL PAYMENTS Listed below are the available limits. Multiply the base rate by the limit factor shown:

Limit Factor

2,000 1.00 5,000 1.27 10,000 1.55 25,000 2.03



RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES (Continued)

D. UNINSURED MOTORISTS AND UNDERINSURED MOTORISTS COVERAGE PP 04 60, PP 04 85

1. OWNERS

Uninsured and Underinsured Motorists Coverage must be provided at limits equal to the state financial responsibility limits unless rejected by the named insured(s) in writing. Use Iowa Uninsured Motorists Coverage (non-stacked) PP 04 60 and Iowa Underinsured Motorists Coverage (non-stacked) PP 04 85. If the named insured(s) elects Uninsured and Underinsured Motorists Coverages, the coverages must be the same limits and must apply to all autos registered or principally garaged in Iowa under the policy.

The Iowa Insurance Division requires that we advise the applicant that UM/UIM coverage does not cover vehicle damage. Use Iowa Auto Supplement ACORD 62 IA.

a. Exceptions

(1) The named insured has the right to reject either Uninsured Motorists Coverage, Underinsured Motorists Coverage, or both by signed written rejection. If there is more than one named insured shown in the Declarations, each named insured must reject the coverage in writing. Use Iowa Auto Supplement ACORD 61 IA.

(2) Subsequent renewal policies issued by the same insurer need not provide the rejected coverage.

b. Basic Limits are 25/50. Refer to Rule 9.A. for base rates.

c. Increased Limits – The insured must be offered limits equal to but not greater than the Bodily Injury Liability limits carried. The insured may choose lower limits, but not less than the base limit shown above. For increased limits, multiply the base rate by the following factors:

Limit (000) Uninsured Motorist Factor Underinsured Motorist Factor

25/50 1.00 1.00 50/100 1.11 1.11 100/300 1.22 1.22 300/300 1.44 1.44 250/500 1.67 1.67 500/500

1,000/1,000 2.11 2.44

1.89 2.19

d. This coverage is non-stacking from one vehicle to another.

e. Rates for multi-Vehicle risks are on a per car basis. Apply these rates to each car including the first car.

f. The premiums shall not be subject to modification under the provisions of any rating plan or other manual rule (except the Companion Policy Discount and Insurance Score).

2. NON-OWNERS

If a named non-owned policy is extended to provide Uninsured and Underinsured Motorists Coverage, the rate for such extension of coverage shall be the same as owned autos.

3. MOTORCYCLES, SNOWMOBILES AND OFF-ROAD VEHICLES

Uninsured and Underinsured Motorist coverage is an optional coverage and is not required for motorcycles, snowmobiles or off-road vehicles. This coverage can be added to Golf Carts. The golf cart cannot be the insured’s primary means of transportation and coverage is subject to underwriting approval.






E. PHYSICAL DAMAGE COVERAGE FOR VEHICLES TEN MODEL YEARS OLD AND OLDER

Physical damage coverage on vehicles 10 through 19 model years of age may be written with the following minimum deductibles:

Other Than Collision (OTC) ................................................................... $100 Collision .................................................................................................. $250

Do not bind physical damage coverage on vehicles 20 model years old or older. Additional consideration may be secured from the Home Office on farm trucks and vehicles eligible for stated amount coverage.

Two color photographs from opposite diagonal corners are required for vehicles that are 19 model years old or older. (Vehicle age changes on October 1st of each year).




F. DEDUCTIBLE INSURANCE

1. DEDUCTIBLE LIABILITY INSURANCE

Deductible Liability Insurance is not available for vehicles classified and rated according to the rules of this manual.

2. OTHER THAN COLLISION (OTC) DEDUCTIBLE FACTORS

$ACV Deductible - Multiply the base OTC rate by 1.70. $ 50 Deductible - Multiply the base OTC rate by 1.25. $ 100 Deductible - Multiply the base OTC rate by 1.00. $ 200 Deductible - Multiply the base OTC rate by 0.82. $ 250 Deductible - Multiply the base OTC rate by 0.77. $ 500 Deductible - Multiply the base OTC rate by 0.67. $ 1,000 Deductible - Multiply the base OTC rate by 0.53. $ 1,500 Deductible - Multiply the base OTC rate by 0.46. $ 2,000 Deductible - Multiply the base OTC rate by 0.38. $ 2,500 Deductible - Multiply the base OTC rate by 0.31.

3. COLLISION DEDUCTIBLE FACTORS

$ 100 Deductible - Multiply the base Collision rate by 1.28. $ 200 Deductible - Multiply the base Collision rate by 1.09. $ 250 Deductible - Multiply the base Collision rate by 1.00. $ 500 Deductible - Multiply the base Collision rate by 0.77. $ 1,000 Deductible - Multiply the base Collision rate by 0.63. $ 1,500 Deductible - Multiply the base Collision rate by 0.56. $ 2,000 Deductible - Multiply the base Collision rate by 0.50. $ 2,500 Deductible - Multiply the base Collision rate by 0.45.

4. COMMON LOSS DEDUCTIBLE – CF-2163

a. In the event that a covered loss occurs to more than one covered auto resulting from the same collision or other than collision, only the highest applicable deductible will apply.

b. In the event that a covered loss occurs as a result of one occurrence to property covered under more than one policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the number of covered property items damaged or destroyed.

The applicable North Star Mutual policies to which this provision applies are:

(1) Homeowners;

(2) Farmowners;

(3) Personal Automobile;

(4) Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as “Farm Use”);

(5) Mobile-Homeowners; and

(6) Inland Marine.

This provision will not apply:

(1) to property rented to others for a fee when that property is insured on a separate policy than the insured’s owner-occupied property;

(2) if the total loss is less than the highest deductible; or

(3) if it is in the insured’s benefit that separate deductibles be applied.

http://northstarmutual.com/UserFiles/Documents/forms/policyforms/Current/CF-2163%2004-17.pdf




G. SAFETY GLASS COVERAGE PP 03 15

The insured has the option to purchase Other Than Collision (OTC) coverage for repair or replacement of all damaged safety glass without regard to any deductible or minimum amount. This coverage will waive the deductible shown (safety glass only) for the OTC coverage purchased.

The words “Full Coverage Glass” (Full Cov. Glass) should be written in the other coverage section of the application or change request form. Charge the premium for the selected deductible plus the following percentage of the $100 Deductible Other Than Collision (OTC) Premium:

Additional Deductible Percentage

$ 50 10% 100 12% 200 17% 250 19% 500 20% 1,000 22% 1,500 24% 2,000 26% 2,500 28%

Full Glass coverage is not available on antique autos, motorcycles, snowmobiles or off-road vehicles.

H. POLICY TERM

All premiums in this manual are for a 6 month policy term. An annual policy term option is available. The following factors will be applied to the final developed premium.

Policy Term Factor

6 Month 1.0 12 month 2.0




RULE 10 - SYMBOL DETERMINATION FOR PICKUPS, VANS, FARM TRUCKS, MOTORCYCLES, SNOWMOBILES, OFF-ROAD VEHICLES AND UNLISTED VEHICLES

If the symbol for a particular vehicle is not shown in the symbol section, the physical damage premiums are based on “LIST PRICE NEW” and are assigned a symbol as follows:

(For use with 2011 and subsequent Model Year vehicles)

Symbol List Price New Symbol List Price New 01 $1 - $3,000 41 $35,001 - $36,000 02 $3,001 - $5,500 42 $36,001 - $37,000 03 $5,501 - $8,000 43 $37,001 - $38,000 04 $8,001 - $9,000 44 $38,001 - $39,000 05 $9,001 - $10,000 45 $39,001 - $40,000 06 $10,001 - $11,000 46 $40,001 - $41,250 07 $11,001 - $12,000 47 $41,251 - $42,500 08 $12,001 - $13,000 48 $42,501 - $43,750 10 $13,001 - $14,000 49 $43,751 - $45,000 11 $14,001 - $15,000 50 $45,001 - $46,250 12 $15,001 - $15,625 51 $46,251 - $47,500 13 $15,626 - $16,250 52 $47,501 - $48,750 14 $16,251 - $16,875 53 $48,751 - $50,000 15 $16,876 - $17,500 54 $50,001 - $52,500 16 $17,501 - $18,125 55 $52,501 - $55,000 17 $18,126 - $18,750 56 $55,001 - $57,500 18 $18,751 - $19,375 57 $57,501 - $60,000 19 $19,376 - $20,000 58 $60,001 - $65,000 20 $20,001 - $20,625 59 $65,001 - $70,000 21 $20,626 - $21,250 60 $70,001 - $75,000 22 $21,251 - $21,875 61 $75,001 - $80,000 23 $21,876 - $22,500 62 $80,001 - $85,000 24 $22,501 - $23,125 63 $85,001 - $90,000 25 $23,126 - $23,750 64 $90,001 - $95,000 26 $23,751 - $24,375 65 $95,001 - $100,000 27 $24,376 - $25,000 66 $100,001 - $110,000 28 $25,001 - $25,625 67 $110,001 - $120,000 29 $25,626 - $26,250 68 $120,001 - $130,000 30 $26,251 - $26,875 69 $130,001 - $140,000 31 $26,876 - $27,500 70 $140,001 - $150,000 32 $27,501 - $28,125 33 $28,126 - $28,750 71 Rating Symbol Only* 34 $28,751 - $29,375 72 Rating Symbol Only* 35 $29,376 - $30,000 73 Rating Symbol Only* 36 $30,001 - $31,000 74 Rating Symbol Only* 37 $31,001 - $32,000 75 Rating Symbol Only* 38 $32,001 - $33,000 39 $33,001 - $34,000 98 $150,001 and above** 40 $34,001 - $35,000

*Not for use in assigning price new symbols. These are Rating Symbols only. They have no corresponding price ranges and will therefore not be used as Price New Symbols. Vehicles can only be assigned these Rating Symbols via experience-based modification. **Vehicles assigned Symbol 98 will not be subject to symbol modification. Vehicles assigned Symbol 98 will be priced via Rule 11.



RULE 10 - SYMBOL DETERMINATION FOR PICKUPS, VANS, FARM TRUCKS, MOTORCYCLES, SNOWMOBILES, OFF-ROAD VEHICLES AND UNLISTED VEHICLES (Continued)

(For use with 1989 (For use with 1990 & Prior Model thru 2010 Model Year vehicles) Year vehicles)

LIST PRICE NEW SYMBOL LIST PRICE NEW SYMBOL

$ 0- 2,100 1, 2 $ 0- 6,500 1 2,101- 2,750 3 6,501- 8,000 2 2,751- 3,700 4 8,001- 9,000 3 3,701- 5,000 5 9,001-10,000 4 5,001- 6,500 6 10,001-11,250 5 6,501- 8,000 7 11,251-12,500 6 8,001-10,000 8 12,501-13,750 7 10,001-12,500 10 13,751-15,000 8 12,501-15,000 11 15,001-16,250 10 15,001-17,500 12 16,251-17,500 11 17,501-20,000 13 17,501-18,750 12 20,001-24,000 14 18,751-20,000 13 24,001-28,000 15 20,001-22,000 14 28,001-33,000 16 22,001-24,000 15 33,001-39,000 17 24,001-26,000 16 39,001-46,000 18 26,001-28,000 17 46,001-55,000 19 28,001-30,000 18 55,001-65,000 20 30,001-33,000 19 65,001- Above 21 33,001-36,000 20 36,001-40,000 21 40,001-45,000 22 45,001-50,000 23 50,001-60,000 24 60,001-70,000 25 70,001-80,000 26 80,001-Above 27

The extra equipment on this type unit greatly affects the “LIST PRICE NEW” and it is, therefore, required that the section on the supplemental application form and/or request for change form be completed for this type unit.

Customization is excluded unless specifically insured. Refer to RULE 21 if coverage is desired for this exposure.



RULE 11 - DETERMINING PHYSICAL DAMAGE RATES FOR SYMBOLS NOT DISPLAYED ON STATE RATE PAGES

A. 2011 And Later Model Years – Symbol 98 Vehicles

Develop the Base Rates for Symbol 98 vehicles as follows:

1. Other Than Collision

a. Increase the factor for Symbol 70 by +0.74 for each $10,000 or fraction of $10,000 above $150,000 of Original Cost; and

b. Apply this factor to the Symbol 11 rate for the applicable model year.

2. Collision



B. 1990-2010 Model Years – Symbol 27 Vehicles

Develop the Base Rates for Symbol 27 vehicles as follows:

1. Other Than Collision



2. Collision





RULE 12 - EXCESS ELECTRONIC EQUIPMENT COVERAGE AND TAPES, RECORDS, DISKS AND OTHER MEDIA COVERAGE PP 03 13

(COVERAGE CODE 014)

A. COVERAGE

The policy includes $1,000 coverage for electronic equipment that reproduces, receives or transmits audio, visual or data signals which is permanently installed in the vehicle at the time of loss. Such equipment includes, but is not limited to:

1. Radios and Stereos; 2. Tape Decks; 3. Compact Disk Systems;

4. Navigation Systems; 5. Internet Access Systems; 6. Personal Computers; 7. Video Entertainment Systems; 8. Telephones; 9. Televisions; 10. Two-way Mobile Radios; 11. Scanners; or 12. Citizens Band Radios.

This sublimit may be increased to any one of the limits shown below and is subject to the Other Than Collision Deductible.

Coverage is not available for radar detectors.

B. RATING

Develop the premium independently for each covered auto as follows:

1. Excess Electronic Equipment Coverage.

a. Determine the maximum limit of liability for excess electronic equipment permanently installed in that auto. Do not include the cost of tapes, records, disks or other media in determining this limit.

Additional coverage for $200 worth of tapes, records, disks and other media applies at no additional charge when coverage is provided for increased limits for excess electronic equipment.

b. Select the premium from the table below:

Maximum Limit of Liability For Semi-Annual Premium Excess Electronic Equipment Per Auto

$1,500 $ 45 2,000 60 2,500 75 3,000 90 3,500 105 4,000 120 4,500 135 5,000 150 For limits in excess of $5,000, Refer to Company.

2. Tapes, Records, Disks and Other Media Only.

When coverage is not purchased for increased limits for excess electronic equipment, coverage for $200 worth of tapes, records, disks and other media is available for an additional premium charge of $8 per auto, per 6 month term. Attach the excess electronic equipment coverage endorsement to the policy.

C. ENDORSEMENT

Attach the excess electronic equipment coverage endorsement to the policy.




RULE 13 - NAMED NON-OWNER COVERAGE PP 03 22

A. NAMED NON-OWNER

Named Non-Owner Coverage may be used for an individual who does not own an auto but drives borrowed or rented autos. This coverage is usually applied to a temporary replacement auto.

Coverage may also be extended to the spouse and resident relatives of that named individual.

Named Non-Owner Coverage should not be used on new business.

B. INELIGIBLE

1. Persons driving other than private passenger type vehicles.

2. Operators and Employees of garages, parking lots, etc.

C. RATING

1. LIABILITY AND MEDICAL PAYMENTS

Charge the following percentage of the applicable premiums that would apply if the named individual owned an auto, using the premium determination procedures set forth in Rule 7. Premium Determination.

a. Exclusions for vehicles furnished or available for regular use apply:

Person(s) Named Percentage Charge Named Individual 40% Named Individual and Resident Relatives 60% (including Named Individual's Spouse)

b. Exclusions for vehicles furnished or available for regular use do NOT apply:


2. UNINSURED MOTORISTS AND UNDERINSURED MOTORISTS COVERAGE

Uninsured Motorists and Underinsured Motorists Coverage - Refer to Rule 9. The full rate is charged.

D. ENDORSEMENT

Attach the Named Non-Owner Coverage endorsement to the policy.




RULE 14 - EXTENDED NON-OWNED COVERAGE (BORROWED OR RENTED AUTOS) PP 03 06

A. ELIGIBILITY

The Extended Non-Owned Coverage endorsement may be used for an individual who owns an auto but also drives borrowed or rented autos.

Coverage may also be extended to the spouse and resident relatives of that named individual.

B. INELIGIBLE

1. Persons driving other than private passenger vehicles.

2. Operators and employees of garages, parking lots, etc.

C. COVERAGE

The Personal Auto Policy (PAP) may be extended to cover Vehicles Furnished Or Available For Regular Use Except As Public Or Livery Conveyances.

Under the liability coverage section of the PAP, coverage is not provided for non-owned vehicles furnished or available for regular use. By choosing liability coverage under the Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use endorsement, liability coverage provided under the basic PAP may be extended to cover vehicles furnished or available for regular use except vehicles furnished for use as public or livery conveyances.

D. RATING

Charge the following percentage of the applicable premiums that would apply as if the insured owned an auto being covered, using the premium determination procedures set forth in Rule 7. Premium Determination.

1. Primary Liability Insurance in Effect


2. No Primary Liability Insurance is in Effect


E. ENDORSEMENT

Attach the Non-Owned Coverage - Vehicles Furnished or Available for Regular Use endorsement.




RULE 15 - EMPLOYERS NONOWNERSHIP LIABILITY NSG-PA01

A. A policy may be written, without a specific description of the motor vehicles, to cover a named insured for the

use in the business of the named insured of any private passenger auto which is being used by any employee

of the named insured where the use of such vehicle is only occasional and not frequent. Such autos may not

be owned in whole or in part, or hired or leased by, or loaned to, or registered in the name of the named

insured.

B. RATING

1. Determine the estimated total number of employees of the named insured.

2. Determine the semi-annual advance premium from the table below based on the estimated total number of employees.

Total Number Bodily Injury Property Damage of Employees Limits 25/50 (000) Limit $25,000

1- 5 $12 $4 6-10 22 8

3. Increased Limits - Refer to the Increased Limits Factor Table.

4. Unless there is a great fluctuation in exposure during the policy period, the advance premium determined at the beginning of the policy term shall be the earned premium.

RULE 16 - OPTIONAL LIMITS TRANSPORTATION EXPENSES COVERAGE (TEMPORARY RENTAL EXPENSE COVERAGE) PP 03 02

The included $30/$900 limit for Transportation Expenses Coverage, due to temporary rental costs related to a covered loss, may be increased to $40/$1,200, or $50/$1,500.

A. ELIGIBILITY

Only policies providing Other Than Collision (OTC) Coverage may be provided Increased Limits Transportation Expenses Coverage. This coverage is not available for trailers.

B. RATING

The rates for this coverage are not subject to classification rating or modification by any rating plan.

Semi-Annual Rate Coverage Per Auto

$40/$1,200 Increased Limits Transportation Expenses Coverage (Coverage Code 706) ....... $13 $50/$1,500 Increased Limits Transportation Expenses Coverage (Coverage Code 706) ....... $22

Attach the Optional Limits Transportation Expenses Coverage endorsement to the policy.

RULE 17 – ROADSIDE ASSISTANCE CF-2016

A. This endorsement provides limited coverage for:

1. Emergency Road Service consisting of:

a. Mechanical First Aid (service; not parts);

b. Tire Service;

c. Battery Service; and

d. Delivery Service (gasoline, oil or water. Does not include product costs).

Note that emergency road service is limited to one service per every 72 hours and no more than a total of five services during a 12-month consecutive period.

2. Towing Service – up to 25 miles;

3. Locksmith Service; and



http://www.northstarmutual.com/userfiles/documents/forms/policyforms/Current/CF-2016%2005-20.pdf



RULE 17 – ROADSIDE ASSISTANCE (Continued)

4. Trip Interruption – up to $300.

Coverage applies only to those vehicles as designated on the declarations. Coverage for Emergency Road Service, Towing Service and Locksmith Service is subject to a combined per disablement occurrence limit of $150 for cars, pickups, vans, SUV’s and motorcycles and $300 for recreational trailers, motor homes and artisan vehicles. Utility trailers are automatically covered if being towed by a vehicle covered by Roadside Assistance.

B. This coverage may be written for Private Passenger Autos, Motorcycles, Recreational Trailers, Motor Homes

and Artisan Vehicles that are less than 30 model years old. Exceptions may be given for vehicles 30 or more model years old if we are already providing this coverage on one or more eligible vehicles. This coverage may not be applied to classic cars, antique cars, snowmobiles, off-road vehicles, farm trucks or semis.

C. RATING

Vehicle Type Semi-Annual Rate Per Vehicle Cars/Pickups/Vans/SUV’s $10 Motorcycles $20 Recreational Trailers/Motor Homes $20

No discounts are applicable to the Roadside Assistance Rate.

RULE 18 - ANTIQUE AUTOS PP 03 23

An antique auto is a motor vehicle of the private passenger type which is 25 or more years old and is maintained primarily for use in exhibitions, club activities, parades and other functions of public interest, and occasionally used for other purposes. The vehicle must have antique or historic license plates.

A. LIABILITY

Charge 40% of Private Passenger “All Other Class/Pleasure Use” base rates. The premiums are subject to the following minimum premiums:

$10 - Bodily Injury $ 5 - Property Damage

B. MEDICAL PAYMENTS, UNINSURED AND UNDERINSURED MOTORISTS

Charge Private Passenger “All Other Class/Pleasure Use” base rates or premiums.




RULE 18 - ANTIQUE AUTOS (Continued)

C. PHYSICAL DAMAGE (Stated Amount)

The physical damage is written on a stated amount basis. The company’s limit of loss will be the lesser of the:

1. Stated amount shown in the schedule or on the declarations;

2. Actual Cash Value of the stolen or damaged property; or

3. Amount necessary to repair or replace the property.

Antique autos owned by an individual may be written when our company provides the insurance for the person’s other eligible private passenger vehicles. Coverage is provided by issuing a separate Personal Auto Policy or by endorsement.

Attach the coverage for damage to your auto (stated amount maximum limit of liability) endorsement.

Semi-Annual Coverage Deductible Rate Per $100

Other Than Collision (OTC) $ 100 $0.53 250 0.38 500 0.33 1,000 0.27 1,500 0.24 2,000 0.22 2,500 0.20

Collision $ 250 $0.56 500 0.41 1,000 0.33 1,500 0.29 2,000 0.26 2,500 0.24

Notes:

1. Do not bind coverage on a vehicle with a value over $25,000 - Refer to the Home Office.

2. The vehicle must be insured to 100% of its full value.

3. Attach 2 color photographs of the vehicle taken from opposite diagonal corners of the vehicle.

Multi-Vehicle discount is not applicable on antique autos nor does an antique auto qualify another vehicle for the discount. However, the following are applicable to antique autos: Accident Prevention Course discount, Insurance Score, Companion Policy discount, Anti-Theft discount and Passive Restraint discount.



RULE 19 - CLASSIC AUTOS PP 03 08

A classic auto is a motor vehicle of the private passenger type which is 10 or more years old and may be used on a regular basis. Its value is significantly higher than the average value of other autos of the same make and model year.

A. LIABILITY, MEDICAL PAYMENTS, UNINSURED AND UNDERINSURED MOTORISTS

Classify and rate as a private passenger auto.

B. PHYSICAL DAMAGE (Stated Amount)

1. Determine the stated amount of coverage applicable to the vehicle.

2. Based on the stated amount of the vehicle, assign a symbol using the “(For use with 2011 and subsequent Model Year vehicles)” table found in RULE 10.

3. Classify and rate as a private passenger auto using the base rate for the base model year specified in Rule 9.A..

The physical damage is written on a stated amount basis. The company’s limit of loss will be the lesser of the:

1. Stated amount shown in the schedule or on the declarations;

2. Actual Cash Value of the stolen or damaged property; or

3. Amount necessary to repair or replace the property.

Notes:

1. Do not bind coverage on a vehicle with a value over $25,000 - Refer to the Home Office.

2. Attach 2 color photographs of the vehicle taken from opposite diagonal corners of the vehicle.

RULE 20 – (RESERVED)




RULE 21 - CUSTOMIZING EQUIPMENT COVERAGE PP 03 18

Other Than Collision (OTC) and Collision coverage for customizing equipment may be purchased on a stated amount basis in excess of $1,000 for any pickup, van or other vehicle (except farm trucks or semis, motorcycles, snowmobiles or off-road vehicles) insured for physical damage coverage. Refer to the Customizing Equipment Coverage (stated amount insurance) endorsement for extent of coverage.

A. This endorsement provides coverage for direct and accidental loss to custom furnishings or equipment

including, but not limited to:

1. Special carpeting and insulation, furniture or bars;

2. Facilities for cooking and sleeping;

3. Height - extending roofs;

4. Custom murals, paintings, or other decals or graphics;

5. Fog lights, running boards, clearance lights, visor, bug deflector, bed liner, or built in tool boxes of $500 or less;

6. Wheelchair lifts and handicap accessibility customizations.

The endorsement exclusions apply.

B. The cost of customizing equipment should not be considered when determining the symbol of the vehicle.

C. The customizing charge determined in this rule is the only charge for customized equipment on a vehicle.

D. The charge for customizing is made only when the Customizing Equipment Coverage (stated amount

insurance) endorsement is attached.

E. Do not bind coverage on vehicles with total values over $35,000 - Refer to the Home Office.

F. RATING

1. To determine the stated amount rate per $100 of customizing, use the following rating formula:

Base Rate for Other Than Collision or Collision x Rating Tier Factor (Dollar Round) x Territory Factor (Dollar Round) x Model Year and Symbol Relativity Factor for base model year specified in Rule 9.A., Symbol 3 (Dollar

Round) x Deductible Factor (Dollar Round) x Applicable rate factor below (No Dollar Round. This Is The Stated Amount Rate Per $100)

Other Than Collision (OTC) - For all model years............................ 0.017 Collision - For all model years ........................................................... 0.010

2. Multiply the result of Paragraph 1. by the total desired limit of coverage in excess of $1,000 (Dollar Round). The amount of insurance must be at least 100% of the value of the customization.

3. Multiply the result of Paragraph 2. by the Driver Class Factor (Primary +/- Secondary) (Dollar Round).

4. Multiply the result of Paragraph 3. by the Insurance Score Factor (Dollar Round).

5. Multiply the result of Paragraph 4. by the Companion Policy Discount Factor (Dollar Round).

NOTES:

1. The Customizing Equipment Coverage (stated amount insurance) endorsement shall be attached.

2. If Other Than Collision (OTC) or Collision coverage for customizing is purchased, the vehicle must have the corresponding OTC or Collision coverage.

3. The customizing deductibles shall be the same as the vehicle deductibles.

4. If a loss occurs simultaneously to the vehicle insured, which is customized, and the customized equipment, only one deductible is applicable.

5. If customization coverage is requested, a color photograph of the interior and exterior must be enclosed.




RULE 22 – MOTORCYCLE, SNOWMOBILE AND OFF-ROAD VEHICLE CUSTOM EQUIPMENT COVERAGE CF-2215

Coverage for original manufacturer custom equipment is automatically provided for any motorcycle, snowmobile or off-road vehicle when Other than Collision (OTC) or Collision coverage is afforded. Coverage for aftermarket custom equipment may be purchased on a stated amount basis in excess of $1,000. This endorsement provides coverage for direct and accidental loss to custom furnishings or equipment including, but not limited to any motorcycle, snowmobile or off-road vehicle equipment or accessories, such as custom paint job, additional chroming, saddle bags, windshield fairings, custom seats, cabs or winches, inasmuch as the frame of the vehicle is not structurally altered (extended front forks, extreme high rise handlebars, etc), or the output of the engine is not significantly enhanced (turbochargers).

The endorsement exclusions apply.

A. The cost of customizing equipment should not be considered when determining the symbol of the motorcycle,

snowmobile or off-road vehicle.

B. The customizing charge determined in this rule is the only charge for customized equipment on a motorcycle,

snowmobile or off-road vehicle.

C. The charge for customizing is made only when the Custom Equipment Coverage for Motorcycles,

Snowmobiles and Off-Road Vehicles endorsement is attached.

D. Do not bind coverage on motorcycles, snowmobiles or off-road vehicles where the amount of customization

exceeds $10,000 - Refer to the Home Office.

E. RATING

1. To determine the stated amount rate per $100 of customizing, use the following rating formula:

Base Rate for Other Than Collision or Collision x Rating Tier Factor (Dollar Round) x Territory Factor (Dollar Round) x Model Year and Symbol Relativity Factor for current model year, Symbol 3 (Dollar Round) x Deductible Factor (Dollar Round) x Motorcycle, Snowmobile or Off-Road Vehicle Class Factor (Dollar Round) x Engine Size Factor (Dollar Round) x Applicable rate factor below (No Dollar Round. This is the stated amount rate per $100)

Other Than Collision (OTC) - For all model years ........................... 0.019 Collision - For all model years ........................................................... 0.011

2. Multiply the result of Paragraph 1. by the total desired limit of coverage in excess of $1,000. (Dollar Round) The amount of insurance must be at least 100% of the value of the customization.

3. Multiply the result of Paragraph 2. by the Driver Class Factor (Primary +/- Secondary) (Dollar Round).

4. Multiply the result of Paragraph 3. by the Insurance Score Factor (Dollar Round).

5. Multiply the result of Paragraph 4. by the Companion Policy Discount Factor (Dollar Round).

NOTES:

1. The Custom Equipment Coverage for Motorcycles, Snowmobiles and Off-Road Vehicles endorsement shall be attached.

2. If Other Than Collision (OTC) or Collision coverage for customizing is purchased, the motorcycle, snowmobile or off-road vehicle must have the corresponding OTC or Collision coverage.

3. The customizing deductibles shall be the same as the motorcycle, snowmobile or off-road vehicle deductibles.

4. If a loss occurs simultaneously to the insured motorcycle, snowmobile or off-road vehicle which is customized, and the customized equipment, only one deductible shall apply.

5. If customization coverage is requested, a color photograph showing the motorcycle, snowmobile or off-road vehicle with the customized equipment must be enclosed.




RULE 23 - MOTOR HOMES PP 03 23 AND PP 03 28 (Motor Homes and Pickups with Permanently Attached Camping Units)

A motor home is a self-propelled land motor vehicle with a living area that is an integral part of the vehicle chassis, or a pickup with a permanently attached camper body. The living area or camper body must consist of facilities for cooking, dining, bathroom, sleeping and refrigeration.

Motor homes owned by an individual, not used for permanent living facilities, may be written when our Company provides the insurance for the insured’s other eligible private passenger vehicles. Coverage is provided by issuing a separate personal auto policy or by endorsement.

Attach the Miscellaneous Type Vehicle and the Miscellaneous Type Vehicle Amendment (Motor Homes) endorsements to the policy. Two color photographs from opposite diagonal corners are required for vehicles that are 15 model years old or older. (Vehicle age changes on October 1st of each year).

A. LIABILITY, MEDICAL PAYMENTS, UNINSURED AND UNDERINSURED MOTORISTS COVERAGE

1. To or from work - Classify and rate as private passenger auto.

2. Pleasure Use Only - (Not driven to or from work or school)

a. Liability Coverage - Charge 50% of the applicable “All Other Class/Pleasure Use” Private Passenger auto rate. Multi-Vehicle Discount does not apply.

b. Medical Payments, Uninsured and Underinsured Motorists Coverage - Charge the “All Other Class/Pleasure Use” Private Passenger auto rate.

B. PHYSICAL DAMAGE

1. To or from work - Classify and rate as private passenger auto.

2. Pleasure Use -

a. Determine the Stated Amount Value (must be 100% of Actual Cash Value) including the value of any custom built additions and find the corresponding symbol from RULE 10. Do not bind coverage on a vehicle with a value over $100,000 - Refer to the Home Office.

b. Charge 35% of the applicable “All Other Class/Pleasure Use” rates for private passenger autos. Multi-Vehicle Discount does not apply.

3. The limit of the company’s liability will be the lesser of:

a. The stated amount shown on the declarations;

b. The actual cash value of the stolen or damaged property, at the time of loss; or

c. The amount necessary to replace the stolen or damaged property.

4. See RULE 9 for limitations on vehicles 10 years old or older.

5. Awnings and Cabanas -

Include the awnings and cabanas value in the stated amount of the vehicle to which they are attached. Coverage is provided without a special endorsement when OTC and Collision coverage is selected.

C. ELIGIBILITY

The following are ineligible:

1. Vehicles rented to others.

2. Vehicles used in business.

3. Converted vehicles (such as school buses).

4. Homemade vehicles.





RULE 24 - PICKUP CAMPER BODIES AND TOPPERS PP 03 07

A. DEFINITIONS

1. PICKUP CAMPER BODY

A Pickup Camper Body is a camper body:

a. if equipped with permanent type cooking and sleeping facilities; and

b. is not permanently attached to the pickup.

2. PICKUP TOPPER OR CANOPY

A Pickup Topper or Canopy is a hard cover over the pickup box, which has windows and a door for access. It does not have facilities for cooking and sleeping. Rate as a topper unless the cost is over $1,000 in which case camper body rates apply.

B. PICKUP CAMPER BODY

1. Permanently Mounted Camper Body - Determine the combined Stated Amount Value of the pickup and camper body. Rate as a motor home.

2. Removable Camper Body - The pickup and the pickup camper body shall be listed and rated as separate units.

Rates For: Removable Pickup Camper Bodies; Toppers over $1,000.

a. Determine the Stated Amount Value (must be 100% of Actual Cash Value).

Stated Amount Semi-Annual

b. Coverage - Class 941000 Deductible Rate Per $100

Other Than Collision (OTC) $ 50 $0.54 100 0.50 250 0.41 500 0.35 1,000 0.31 1,500 0.28 2,000 0.26 2,500 0.24

Collision $100 $0.54 250 0.44 500 0.37 1,000 0.30 1,500 0.26 2,000 0.24 2,500 0.22

c. Pickups - Liability and Physical Damage: - Rate as private passenger. For non-symboled vehicles, determine a symbol based on original cost new from the tables in RULE 10.

C. PICKUP TOPPER

1. Toppers (cost $1,000 or less)

Coverage is provided without a separate charge when attached to the pickup.

2. Toppers (cost over $1,000)

Rate as a pickup camper body.




RULE 24 - PICKUP CAMPER BODIES AND TOPPERS (Continued)

D. AWNINGS AND CABANAS NSG-PA06


E. Physical Damage on units 10 through 14 years of age may be written with the following minimum deductibles.

Other Than Collision (OTC) ................................................................... $100 Collision .................................................................................................. $250

Do not bind coverage on units 15 years old or older.

RULE 25 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOS, MOTORCYCLES, SNOWMOBILES OR OFF-ROAD

VEHICLES PP 03 07

A. DEFINITIONS

1. UTILITY TRAILER

A trailer designed for use with a private passenger type auto, motorcycle, snowmobile or off-road vehicle. Included are boat trailers, horse trailers, trailers designed to be pulled by a motorcycle, snowmobile or off-road vehicle, snowmobile trailers, and general purpose trailers.

2. RECREATIONAL (REC) TRAILER

A trailer equipped as living quarters, including cooking, dining, plumbing, or refrigeration facilities and designed for use with a private passenger auto. A recreational trailer may be attached by either a bumper hitch or “fifth wheel” hitch and must be less than 40 feet in length.

3. FIFTH WHEEL UNIT

A trailer with “goose-neck” hitch or trailer body which extends over a pickup bed and connects to a “fifth wheel” hitch mounted over the pickup’s rear axle. These trailers will be written according to their use as 1. or 2. above.

B. ELIGIBILITY RULES

The following utility and recreational trailers are not eligible for coverage:

1. Passenger trailers;

2. Trailers used for business purposes with any type vehicle other than a private passenger automobile;

3. Trailers used with any automobile owned or hired by the insured and not covered by like insurance in North Star;

4. A trailer used as premises for office, store or display purposes;

5. Trailers 40 feet or more in length;

6. Recreational trailers used as living quarters when another permanent residence is not used and maintained;

7. Homemade trailers;

8. Trailers seasonally located at a permanent location or site; or

9. Trailers used for ice fishing.

Trailers with a value in excess of $75,000 must be submitted to the home office to determine eligibility.






VEHICLES (Continued)

C. LIABILITY

A Personal Auto Policy providing liability coverage covers trailers designed for use with a private passenger auto, pickup, van, farm truck, motorcycle, snowmobile or off-road vehicle without additional premium charge and without specific description of the trailer.

Exceptions: Coverage is not provided for a trailer:

1. used for business purposes with other than a private passenger auto or owned pickup, van or farm truck (except for farming purposes);

2. used with other than an owned farm truck for other than farming purposes; or

3. when no auto is owned by the insured.

D. MEDICAL PAYMENTS

A Personal Auto Policy providing Medical Payments Coverage provides coverage for trailers without additional premium charge and without specific description of the trailer if designed for use with a private passenger auto, pickup, van, motorcycle, snowmobile or off-road vehicle.

Exceptions: Coverage is not provided for a trailer:

1. used for business purposes with other than a private passenger, auto or owned pickup, van or farm truck;

2. when no auto is owned by the insured; or

3. located for use as a residence or premises.




VEHICLES(Continued)

E. PHYSICAL DAMAGE

Trailers are to be insured as separate items with separate premiums shown for each unit. The deductible applies separately to each unit. Attach the Coverage For Damage To Your Auto (stated amount maximum limit of liability) endorsement.

1. Recreational Trailers:

a. Other Than Collision (OTC) and Collision - Use the following rates for Rec Trailers.

b. Awnings and Cabanas -


2. Light Utility Trailers.

Other Than Collision (OTC) and Collision - Use the following rates for All but Rec Trailers.

3. All Other Trailers - PP 03 08

5th wheel grain, stock or flatbed; and heavy stock or grain trailers.

Other Than Collision (OTC) and Collision - Use the following rates for All but Rec Trailers.

Determine the Stated Amount Value (must be 100% of Actual Cash Value).

Stated Amount Semi-Annual Rate Per $100 Coverage - Class 941000 Deductible All but Rec Trailers RecTrailers

Other Than Collision (OTC) $ 50 $0.58 $0.63 100 0.53 0.58 250 0.43 0.53 500 0.36 0.43 1,000 0.30 0.36 1,500 0.27 0.30 2,000 0.25 0.27 2,500 0.23 0.25

Collision $ 100 $0.55 $0.55 250 0.45 0.45 500 0.38 0.38 1,000 0.30 0.30 1,500 0.26 0.26 2,000 0.24 0.24 2,500 0.22 0.22

4. Physical Damage on units 10 through 14 years of age may be written with the following minimum deductibles.

Other Than Collision (OTC) .............................................................. $100 Collision .............................................................................................. $250

Do not bind coverage on units 15 years old or older.




RULE 26 - AUTO LOAN/LEASE COVERAGE PP 03 35

A. ELIGIBILITY

A policy providing both Other Than Collision and Collision coverage may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle, and the actual cash value of the vehicle, subject to the following:

1. Auto Loan/Lease Coverage may be provided only to a new vehicle that is a private passenger auto, pickup, van, or motorcycle; and

2. The insured must request the auto loan/lease coverage within 30 days of leasing or financing a new vehicle.

3. Coverage may be provided on new business if the vehicle is 2 or less model years old and proof that coverage was provided on prior policy.

A new vehicle as used in this rule is a vehicle that has not previously been titled under the motor vehicle laws of any state.

B. RATES

Charge 7% of both the Other Than Collision and Collision Coverage premiums for the auto loan/lease coverage.

C. Coverage does not apply to:

1. Overdue payments;

2. Financial penalties assessed for excessive use, abnormal wear and tear or high mileage;

3. Security deposits not refunded by a lessor;

4. Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the loan or lease; and

5. Carry over balances from previous loans or leases.

RULE 27 - TRUSTS AS ADDITIONAL INSUREDS PP 13 03

A. TRUSTS

A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos in Rule 2 if title to the vehicle(s) has been transferred to a trust, subject to the following requirements

1, The grantor of the trust must be: a) An individual or spouses; and b) The only named insured(s) shown on the declarations.

2. All vehicles insured under the policy must be owned by the trust.

3. The trust will be shown as an additional insured on the declarations.

4. A vehicle owned by a trust, in which the grantor is a corporate entity, is not eligible under the Personal Auto Program, but may be written under a Commercial Auto policy.

B. ENDORSEMENT

Attach the Trust Endorsement PP 13 03 to the policy. There is no charge for this endorsement.


http://northstarmutual.com/UserFiles/File/forms/policyforms/Current/PP%2013%2003%2001%2005.pdf



RULE 28 – MOTORCYCLES , SNOWMOBILES AND OFF-ROAD VEHICLES PP 03 23 or PP 03 20

Motorcycles, snowmobiles or off-road vehicles owned by an individual may be written when North Star provides the insurance for the insured’s other eligible private passenger vehicles. Coverage is provided by issuing a separate personal auto policy or by endorsement.

Attach the Miscellaneous Type Vehicle Endorsement PP 03 23 or Snowmobile Endorsement PP 03 20 to the policy.

A. ELIGIBILITY

The following motorcycles, snowmobiles or off-road vehicles are ineligible:

1. Vehicles used for transporting passengers for hire, rental purposes or for business purposes. 2. Vehicles that have been structurally altered or that have been extremely customized. This includes, but is

not limited to, such things as: a. extended front forks; b. units where the cumulative value of the accessories is excessive in comparison to the basic value of

the unit. Acceptable accessories include saddle bags, luggage racks, sissy bars, windshield fairing, winches, cabs, and luggage or storage racks; or

c. extreme high rise handle bars. If the structural alteration or customization is minimal, this type of vehicle may be submitted for underwriter

approval. 3. Show vehicles or vehicles used for racing, speed contests, or hill climbs. 4. Any turbo-charged units or units that have internal engine or fuel delivery system modifications to increase

speed or acceleration. Vehicles with a value in excess of $15,000, or with a motor size in excess of 1400cc, that do not fall in the

Touring or Cruiser vehicle group must be submitted, without binding, for consideration.

B. RATING

Classify and rate using Private Passenger Vehicle Base Rates and Premium Determination Rule 7B (Motorcycle, Snowmobile and Off-Road Vehicle) & Premium Calculation Steps Rule 8B (Motorcycle, Snowmobile and Off-Road Vehicle):

1. Class Factor

The motorcycle, snowmobile or off-road vehicle class determines the premium factor for all coverages. Each unit, depending on its individual characteristics, will be placed in one of the following classes:

a. Motorcycle Classes

Scooter

Scooters are characterized by smaller wheels, automatic transmissions, lower displacement engines, and a step-through configuration that allows riders to place both feet on a running board with knees together.

Cruiser

Cruiser motorcycles mimic the style of American motorcycles from the 1930s to the early 1960s, such as those made by Harley-Davidson and Indian. The riding position places the feet forward of the seat and the hands near shoulder height. The upper body is erect or leaning back slightly. This position allows long-distance comfort but does compromise some degree of control. Cruisers have limited turning ability because of a low-slung design. Cruiser engines produce more torque and less horsepower compared with motorcycles from the sport classes. Cruisers are among the heaviest of motorcycles and can be used with a sidecar.


http://www.northstarmutual.com/userfiles/documents/forms/policyforms/Current/PP%2003%2020%2001%2005.pdf



RULE 28 – MOTORCYCLES, SNOWMOBILES AND OFF-ROAD VEHICLES (Cont.)

Chopper

Chopper-style motorcycles are closely related to cruisers. They have a longer wheelbase that results from an extended front fork configuration. The lengthened wheelbase reduces maneuverability. Choppers generally are highly customized. The motorcycle is derived by chopping off or removing parts from a typical cruiser with the intent of reducing weight or bulk for the sake of speed. Its reduced maneuverability is exaggerated further by a wide rear tire that assists in acceleration. Do not bind. Refer to Home Office for underwriting approval.

Touring

Touring motorcycles are equipped with high-displacement/high-torque engines for carrying a passenger and luggage. Touring motorcycles are among the longest and heaviest motorcycles. Touring motorcycles offer wind protection for the rider, high-capacity fuel tanks, the ability to carry luggage, and an upright riding position that is comfortable for long distances. They incorporate technological advances such as antilock brakes and airbags and are more likely to include features such as reverse gear, cruise control, heated hand grips, driver-to-passenger communication systems, navigation and audio systems.

Dual purpose

Dual-purpose motorcycles have similarities with off-road motorcycles. However, they are equipped with road-ready features such as headlights, brake lights, turn signals, a horn, and use four stroke engines for compliance with emissions requirements. They generally have larger displacement engines than off-road motorcycles, along with a more comfortable riding position.

Standard

Standard motorcycle designs are basic, but have begun utilizing technological advances in chassis and engine design, such as anti-lock braking systems and fuel injected engines. Riding positions typically are upright, similar to a cruiser, but with foot pegs placed farther rearward. The riding position, coupled with better ground clearance than a cruiser, gives standard motorcycles better handling characteristics. Engine displacements are smaller than those for cruisers.

Autocycle

Autocycles are distinct from other motorcycles on the road by having three wheels in contact with the ground. Autocycles also have a steering wheel, foot pedals to control acceleration and braking, and, if applicable, a clutch. The seating position of an autocycle does not require the driver to straddle or sit astride the seat. Autocycles generally weigh more and have larger displacement engines than other motorcycles. Do not bind. These will not be written.

Sport Touring

Sport touring motorcycles are similar in design to sport-class motorcycles but have some features often found on touring motorcycles. Sport touring motorcycles typically are derived from sport class frames and share components such as engines and drive trains. Sport tourers normally are equipped with touring features such as saddlebags, high windshields, larger fairings, heated grips, and larger seats—features not found on other sport class motorcycles. Among the other sport class motorcycles, sport tourers tend to have the largest engines, and riding positions are more upright. More than any other sport class motorcycle, sport tourers can accommodate passengers due to larger engines, upright riding positions, and larger seats.

Sport

Sport class motorcycles are light and powerful. Their power-to-weight ratios are second only to the super sport class. They benefit from advances in design and technology intended for racing; however, they are not considered racing specification machines. The riding position places the feet under the seat and the hands below shoulder height. The rider’s knees are bent, and the upper body has a forward lean. This riding position improves control when cornering and accelerating. All sport motorcycles have body paneling and fairing covers to provide wind protection and assist in aerodynamics. Sport motorcycles can be equipped with side bags or a rear trunk to provide limited touring ability, but they do not have the features and amenities typically found in the touring class. Do not bind. Refer to Home Office for underwriting approval.




Super Sport

Super sport motorcycles are the consumer version of the motorcycles used by factory racing teams and have racing specifications as benchmarks in design. Their range of engine displacements is limited to meet racing requirements of the class. The power-to-weight ratios of super sport motorcycles are higher than any other mass-produced motor vehicle. As racing machines, measures are taken to reduce weight and increase power, thus making these motorcycles quick in acceleration, nimble in handling, and capable of high speeds. The riding position is intended for racing, placing the feet under the seat and the hands below shoulder height. The rider’s knees are bent, and the upper body has an aggressive forward lean. There also is less space between the seat and feet than for sport motorcycles to provide better rider/racer control. Super sport motorcycles have tight fitting body paneling and fairing coverings, and generally only offer wind protection when the rider is in a tucked riding position. Do not bind. Refer to Home Office for underwriting approval.

b. Off-Road Vehicle Class

Off-road Motorcycle

Off-road motorcycles generally are light weight with small displacement engines. The suspension travel is longer than a typical motorcycle, with higher ground clearance. Their construction is rugged, simple, and without bodywork and fairings. Tires typically are knobby for tractability because off-road motorcycles are designed to be ridden through rough and muddy terrain. Many off-road motorcycles are produced strictly for recreational or competitive use and are not street legal. Generally, they are equipped with two-stroke engines.

All-terrain Vehicle

All-terrain vehicles (ATVs) are designed with four wheels and may not be ridden on public roads. There are variations in vehicle designs to allow off-road sport riding or serve utilitarian purposes. Engine displacements tend to be low, but some engines share the same advanced designs as street-legal motorcycles. ATVs generally accommodate one rider and are operated with the use of motorcycle-like controls including handle bars. Newer designs include automatic transmissions, electric shifters, GPS navigation systems and larger engine displacements.

Note: ATVs with attached plows cannot be used for business purposes.

Utility Off-road Vehicle

Utility off-road vehicles are designed with four wheels and incorporate a steering wheel rather than handle bars for directional input. The passenger capacity of utility off-road vehicles is higher than other off-road machines. Some can accommodate up to six passengers. Generally, they use a bench seat and are equipped with seatbelts. Utility off-road vehicles are usually off-road capable, designed to pull trailers or farm equipment and typically have a cargo bed.

Sport Off-road Vehicle

Sport off-road vehicles generally have high power-to-weight ratios and long-travel off-road suspension systems. Like utility off-road vehicles, they are designed to accommodate more than one occupant; however, sport off-road utility vehicles typically have deep bucket seats instead of the bench seats found on utility off-road vehicles. They are generally equipped with seat belts. While sport off-road vehicles can often carry small amounts of cargo or pull light trailers they do not have dedicated cargo beds.

Golf Cart

A golf cart is a three- or four-wheel motor vehicle with a maximum speed of less than 20 mph that is for personal use. They may be gas powered or electric. In addition to golf course use, which is their intended design, they may be driven on public roads, subject to provisions in state and local law, for purposes unrelated to golf.




c. Snowmobile Class

Snowmobiles are similar to motorcycles but are intended to be ridden on terrain covered by a layer of snow or ice. The basic design provides an open riding position, handlebar steering control, and motorcycle-like engine configuration. Instead of a front wheel to control vehicle direction, two ski-like sleds pivot with the direction of the handle bars. Propulsion is provided by tank-like treads in lieu of a rear tire. Snowmobiles are not intended to be ridden on public roads.

Motorcycle / Snowmobile / Off-Road

Vehicle Class BI PD MP UM UIM OTC COLL

Scooter 0.09 0.05 1.15 2.40 1.03 0.13 0.28

Dual Purpose 0.48 0.14 1.27 2.63 1.89 0.17 0.22

Standard 0.90 0.21 1.02 5.20 3.21 0.11 0.54

Cruiser 0.67 0.13 1.02 3.78 3.29 0.16 0.36

Chopper 0.84 0.13 1.40 4.47 4.13 0.21 0.43

Touring 0.84 0.14 1.36 4.32 3.71 0.24 0.77

Sport Touring 1.03 0.27 1.54 6.95 4.06 0.31 1.13

Sport 1.33 0.23 1.65 6.30 4.30 0.29 1.11

Super Sport 1.43 0.29 1.90 9.74 4.67 0.69 2.31

All-terrain vehicle 0.39 0.09 0.83 0.78 0.69 0.28 0.29

Utility off-road vehicle 0.58 0.39 0.56 0.68 0.55 0.45 0.37

Sport off-road vehicle 0.61 0.41 0.59 0.71 0.58 0.41 0.35

Off-road motorcycle 0.12 0.09 1.23 2.01 1.26 0.19 0.19

Golf Cart 0.35 0.09 0.60 2.25 1.30 0.27 0.28

Snowmobile 0.20 0.17 1.28 4.00 3.00 0.35 1.00

Motorcycle / Snowmobile / Off-Road Vehicle Class Factor Table



RULE 28 – MOTORCYCLES, SNOWMOBILE AND OFF-ROAD VEHICLES (Cont.)

2. Engine Size Factor

Engine Size (CC’s) BI PD MP OTC Collision

0-100 0.86 0.86 0.88 0.88 0.82

101-200 0.87 0.87 0.90 0.89 0.83

201-300 0.88 0.88 0.91 0.89 0.84

301-370 0.88 0.88 0.91 0.89 0.84

371-450 0.91 0.91 0.95 0.92 0.87

451-525 0.91 0.91 0.95 0.92 0.87

526-575 0.95 0.95 0.97 0.94 0.91

576-600 0.96 0.96 0.98 0.94 0.91

601-730 0.99 0.99 1.00 0.97 0.96

731-750 1.00 1.00 1.00 1.00 1.00

751-850 1.07 1.07 1.05 1.06 1.10

851-950 1.07 1.07 1.05 1.06 1.10

951-1,000 1.08 1.08 1.06 1.07 1.11

1,001-1,200 1.08 1.08 1.06 1.08 1.13

1,201-1,350 1.12 1.12 1.07 1.09 1.14

1,351-1,750 1.17 1.17 1.09 1.10 1.17

Over 1,750 1.17 1.17 1.09 1.10 1.19

Motorcycle / Snowmobile / Off-Road Vehicle Engine Size Factor Table

3. Lay-Up Period

These rates take into consideration the seasonal usage of these vehicles and a lay-up credit is included. Therefore, cancellation for seasonal usage is not permitted.

4. Passenger Hazard Liability

Liability coverage is provided for any bodily injuries suffered by a person while occupying a motorcycle, snowmobile or off-road vehicle up to the Bodily Injury limits provided for that vehicle.

5. Rider Safety Apparel Coverage

Physical damage coverage is provided for direct and accidental loss to rider safety apparel while occupying a motorcycle, snowmobile or off-road vehicle where the loss is caused by a collision or striking or being struck by an animal and the declarations indicate that Collision Coverage, or OTC in the case of an animal strike, is provided for that motorcycle, snowmobile or off-road vehicle. Coverage is provided for the apparel worn by the driver and, if requested by the insured, for apparel worn by a passenger.

The most we will pay is $5,000 regardless of the types and number of items damaged in any one loss. No coverage is provided for loss by theft.

No deductible applies to this endorsement.

Attach endorsement CF-2214 to all policies to which PP 03 20 or PP 03 23 apply.





C. ADDITIONAL COVERAGE OPTIONS

1. Medical Payments

Medical Payment Coverage can be included for an additional premium. This provides coverage for reasonable medical expenses incurred within one year from the date of an accident involving an insured motorcycle, snowmobile or off-road vehicle.

Coverage Semi-Annual Rate

Med Pay ($2,000 per accident) $24

Additional coverage may be added by applying the following factors to the base rate.

Limit Factor

$2,000 1.00 $5,000 1.39 $10,000 1.75 $25,000 2.34

If Medical Payments coverage is provided for motorcycles, snowmobiles, or off-road vehicles, all vehicles for each class (motorcycles, snowmobiles or off-road vehicles) must carry the same limit. This medical payment limit does not need to be the same as the medical payment limit for automobiles other than motorcycles, snowmobiles or off-road vehicles shown on the declarations.

RULE 29 - WHOLE DOLLAR PREMIUM

The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy.

A premium involving $0.50 or more shall be rounded to the next higher whole dollar.

This procedure shall apply to all interim premium adjustments, including endorsements or cancellations.



RULE 30 - POLICY PERIOD AND CONTINUATION

A. The premium for a policy shall be determined on a semi-annual basis. An optional annual basis is available.

B. The premium for successive periods shall be determined on the basis of the rules and premiums in effect on

the date of the continuation.

C. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only a cover page,

declarations, new identification card(s), and forms that are new or revised. Policyholders may receive all policy

forms upon request.

D. For policies issued on a semi-annual basis, when a policy is bound on the 29th, 30th or 31st of any month,

the first policy period may run from the date the policy is bound to the first date of the calendar month following

the first policy period. Premium for the extended coverage of one to three days will be waived.

E. When a policy has been issued there is no flat cancellation. When a policy is cancelled, it is on a pro rata

basis. This is applicable if the policy is cancelled at the request of the insured or the company.

F. When a policy is issued for a motorcycle, snowmobile or off-road vehicle, it is not to be cancelled and renewed

on a seasonal basis. These rates take into consideration the seasonal usage of these vehicles and a lay-up credit is included.

RULE 31 - RATE CHANGE

When a rate change is made, the new manual pages are forwarded to the agents approximately a week to ten days before the effective date of the change. The effective date of the policy, rewrite, and/or endorsement, is the governing factor in determining which rates are to be used. The effective date of the rate change will be pointed out in the Manual Revision accompanying the new rate pages. Policies and endorsements showing this date or a later date will receive the new rates.

Endorsements that are made during the policy term will be made with the rates that are effective at the time of change.

RULE 32 - CHANGES

A. All changes requiring premium adjustments shall be computed pro rata.

B. North Star will not refund a return premium of less than $5 if the insured requests the following:

1. Cancellation of coverage; 2. Reduction of limits of liability; or 3. Increase in Deductible;

except that actual return premium shall be returned at the request of the insured.

RULE 33 - PRO RATA CHANGES

Changes made mid-term will be computed on a pro rata basis.



RULE 34 - RATING TERRITORIES AND FACTORS

A. A rating territory is a geographical area defined in terms of U.S. Postal Service (USPS) ZIP codes, as shown

on the Territory Definitions pages.

1. Determine the applicable rating territory based on the zip code of the location of principal garaging of the vehicle. If the ZIP code of the mailing address differs from the ZIP code of the location of principal garaging, use the ZIP code of the garaging location to assign the rating territory.

2. As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this new ZIP code is not yet listed in the Territory Definitions, use the ZIP code that formerly applied to the risk before the ZIP code boundaries were changed in order to determine the rating territory for a risk located in the new ZIP code.

B. TERRITORY FACTORS

The following table displays the rating factors applicable to each territory:

Territory Bodily Injury

Property Damage

Other Than

Collision Collision Medical

Payments Uninsured Motorist

Under-insured Motorist

31 Remainder of State 1.00 1.00 1.00 1.00 1.00 1.00 1.00

32 Sioux City & Surrounding 1.42 1.42 1.42 1.42 1.42 1.00 1.00

33 Waterloo 1.20 1.20 0.75 1.20 1.15 1.00 1.00

34 Dubuque 1.25 1.25 0.87 1.25 1.25 1.00 1.00

35 Des Moines (Suburban) 1.32 1.32 0.84 1.32 1.32 1.00 1.00

36 Cedar Rapids 1.27 1.27 0.85 1.27 1.27 1.00 1.00

37 Clinton 1.25 1.25 1.25 1.25 1.25 1.00 1.00

38 Quad Cities 1.25 1.25 0.80 1.25 1.25 1.00 1.00

39 Des Moines (East Metro) 1.30 1.30 1.04 1.30 1.30 1.00 1.00

40 Des Moines (West Metro) 1.30 1.30 1.04 1.30 1.30 1.00 1.00

41 Council Bluffs 1.40 1.40 1.40 1.40 1.40 1.00 1.00

42 Eastern Iowa 0.98 0.98 0.88 0.98 1.18 1.00 1.00

43 South Central Iowa 1.05 1.05 1.05 1.00 1.05 1.00 1.00

44 North East Iowa 0.88 0.88 0.78 0.85 0.88 1.00 1.00

45 Pella 0.92 0.92 0.92 0.92 0.92 1.00 1.00



RULE 35 - APPLICATION PROCEDURE

Coverage may be bound subject to the underwriting requirements contained throughout this manual. When an application is prepared it shall be sent to our office the same day if coverage is to begin immediately. The policy term begins at 12:01 A.M. at the address of the insured on the effective date; however, coverage will not begin prior to the time the application is prepared. If coverage is bound, do not hold the application pending receipt of additional information from the applicant. The application should be submitted with a notation indicating that additional information will follow.

Applications should be completed in detail, including all accidents regardless of fault. It is mandatory that all applications be signed by the applicant and the agent. List the names and dates of birth for all drivers and household members regardless of age.

The Farm Truck Supplemental Application is required for all Farm Trucks. Information on their use and equipment is essential to determine the correct classification and rating.

When an application is received and coverage is bound, a policy will be issued. If it is determined that the company underwriting requirements are not met, the policy will be mailed and a cancellation notice issued with a pro rata earned premium charged. Flat cancellations are not permitted.

RULE 36 - QUESTIONABLE APPLICANTS

If an agent wants to determine if an applicant is acceptable, he may submit a signed application, indicating COVERAGE NOT BOUND, and we will conduct our underwriting review. It is important to furnish complete information on the questionability of the applicant with the application. Upon completion of our review, we will advise if the applicant is acceptable. The application will be retained in our office.

RULE 37 - INSTALLMENT PREMIUM PAYMENT OPTION

Refer to the BILLING INFORMATION Section of the manual for specifics on the installment billing option.

RULE 38 - RESERVED



RULE 39 - CANCELLATION/NONRENEWAL

A. COMPANY

The company has the option to cancel or non-renew the policy in accordance with State Statutes and Policy Conditions by giving the required advance written notice.

B. INSUREDS REQUEST

The policy may be cancelled by the Named Insured by:

1. Surrendering the policy with the latest copy of the declarations to the company or any of its authorized agents; or

2. Mailing to the company written signed notice stating when thereafter the cancellation shall be effective.

Back dating of the effective date is not permitted.

C. PRO RATA CANCELLATION

All policies cancelled by the company or at the Named Insureds request shall be cancelled on a pro rata basis.

RULE 40 - SUSPENSION

If an insured lays up or stores his vehicle for a period in excess of thirty (30) days, all coverages, other than Other Than Collision (OTC), may be cancelled from the policy on a pro rata basis provided the Home Office is notified at the time the vehicle is laid up or stored. If the policy does not provide OTC coverage, the entire contract will be cancelled on a pro rata basis. Suspension coverage is not available. If the casualty coverages are cancelled, OTC is the only coverage that can be continued. OTC coverage cannot be continued if the casualty coverages are with some other company unless the insured has a business in which all his liability exposures are covered under a single liability policy. This is subject to the regulations of the state in which the insured resides.

This will not change our underwriting requirements in that policies will not be issued without Bodily Injury or Property Damage, unless, as stated above, the insured has a business in which all his liability exposures are covered under a single liability policy or casualty coverages are provided by the insured’s employer.



RULE 41 - ELIGIBILITY - VEHICLES AND DRIVERS

The following are not eligible:

A. VEHICLE USE OR CHARACTERISTICS

1. ambulances and hearses

2. amphibious autos

3. driver training

4. dune buggies and hot rods

5. emergency vehicles (police patrol and trouble cars)

6. The following classes of motorcycles:

a. Sport Bikes b. Super Sport Bikes c. Autocycles d. Choppers e. Motorcycles, snowmobiles or off-road vehicles designed for racing, motocross, or endurance

competition f. Any motorcycle, snowmobile or off-road vehicle that is homemade or built from a kit.

7. salvage vehicle

8. common or contract passenger hauling including hotels, airports, taxi cabs, public or livery conveyance, transportation networks, or vehicles held for rental

9. vehicles owned by garages, service stations and auto dealers

10. demonstrators or vehicles held for sale

11. hauling of explosives, such as dynamite, fireworks, ammunition, anhydrous ammonia or nitroglycerin

12. transportation of entertainers, dance bands, circuses and shows

13. fast food, film, newspaper, pizza delivery, or ice cream sales

14. vehicles over 10,000 GVW, except farm trucks

15. brokered risks

16. rolling stores

17. vehicles powered by LP gas

18. an auto 25 or more years old is unacceptable unless it is a secondary vehicle and in excellent condition

19. homemade units

20. converted school buses

21. day care vans/vehicles

22. stand-alone Farm Trucks

23. some electric type vehicles

24. fish house trailers

25. rental trucks with Gross Vehicle Weight over 26,000 lbs

26. any vehicle used for hire.

27. any risk where the applicant has an outstanding premium balance from a prior North Star policy.



RULE 41 - ELIGIBILITY - VEHICLES AND DRIVERS (Continued)

B. APPLICANTS OR DRIVERS

1. convicted of a felony involving the use of a motor vehicle;

2. without a valid driver’s license in this state (unless they have established a permanent residence in the state within the last 60 days);

3. desiring coverage for terms of less than 6 months;

4. engaged in illicit business;

5. requiring a financial responsibility filing (SR-22);

6. who cannot read or understand road signs;

7. with impairments which affect the safe operation of the vehicle;

8. in the household with serious traffic convictions during the last 5 years (non-serious convictions include - failure to yield, stop sign or signal, speed 10 m.p.h. or less over posted speed limit);

9. owners or principal operators under age 23 (age 25 if applying for motorcycle, snowmobile or off-road vehicle coverage) unless:

a. Married; b. Homeowners; or c. Unmarried and residing with their parents whose automobiles are also insured by our company; 10. without prior insurance coverage (unless they did not own a vehicle and they are an experienced driver);

or

11. who had their driver’s license suspended or revoked within the past 36 months.

12. who have been cancelled, nonrenewed by other carriers, or who have open claims with another carrier.

C. ACCIDENTS AND CONVICTIONS

Refer to the AUTO DISCOUNT SELECTION GUIDE found in RULE 44.

RULE 42 - FINANCIAL RESPONSIBILITY FILINGS

A. FINANCIAL RESPONSIBILITY FILINGS required by the various states will not be made by North Star since

a person requiring such a filing will not be eligible for coverage.

B. The state requires the filing of a Financial Responsibility Certificate (SR-22) when the auto insurance policy

serves as the required evidence of financial responsibility following conviction on traffic code violations or upon

failure to satisfy a judgment arising out of a motor vehicle accident.

C. Certificates can be issued only by the North Star Home Office, and then only if complete information

concerning the reason for the filing is submitted by the agent. The request for the certificate must clearly

identify the person for whom the company will be making the filing. A Financial Responsibility Certificate will

not be issued unless all autos owned by the applicant are insured by North Star.

D. One (SDIP) Safe Driving Record Point shall be applied if a filing is made.



RULE 43 - UNDESIRABLE VEHICLES Principal operators under the age of 30 assigned to any vehicles which are on the Undesirable vehicles list will generally not be written. In the event one is written when special conditions are met, the surcharges stated on the top of the list may be applied depending on driving record and loss history.

15% SURCHARGE (FIVE STAR) 20% SURCHARGE (PREFERRED) 30% SURCHARGE (SELECT)

MAKE MODEL MAKE MODEL

Abarth-Fiat All Models Abarth All Models Alpha Romeo GT Alpha Romeo Guilia Alpha Romeo Montica Alpha Romeo Sprint Alpha Romeo Veloce Alpine Allo Berlinette 1300 & 1600 AMC AMX AMC Javeline Arnolt-Bristol Roadster ASA All Models Aston Martin All Models Austin-Healy All 2-Dr. Roadsters & Cps. Avanti All Models Bay Prod. (Repli-Cars) Bugatti Custom 35B Bay Prod. (Repli-Cars) Bugatti Super 35B Bay Prod. (Repli-Cars) Gazelle Bentley All Models Bertone All Models Bizzarrini All 2-Dr. Models Biota All Models Bradley GT (Kit Car) All Models Bricklin All Models Bugatti All Models Chevrolet Camaro IROC-Z Chevrolet Camaro Z28 & Berlinetta Chevrolet Corvette Chevrolet/Geo Tracker (1998 & prior) Clenet All Models Concept Centaur Mark II Costin All Models DeLorean All Models De Tomaso All Models Dodge Challenger (1978 & Prior) Dodge Charger (1975 & Prior) Dodge Viper Duesenberg All Models Excaliber All Models Ferrari All Models Fiat 2 + 2 Fiat Racers Fiat Roadsters Fiat 2-Dr. Spiders Fiat Sprint Fiat X/19 Fiber Fab All Models

Ford Mustang GT Glassic Phaeton Glassic Romulus II GTM Super 90

IAI All Models Intermeccanica All Models ISO All Models Jensen Interceptor Jensen Other Models Lamborghini All Models Lancia All Models Ligier (Repli-Car) JS2 Lotus All Models Mangusta All Models Marcos All Models Maserati All Models Matra All Models Mercedes-Benz ’69-’79 6.3 & 6.9 Sedan Merkur XR4Ti MG All 2-Dr. Roadsters Monteverdi All Models Morgan All Models Opel GT Pantera All Models Pininfarina All Models Plymouth Barracuda Plymouth Roadrunner Pontiac Fiero Pontiac Firebird/Formula Pontiac GTO (1973 & Prior) Porsche All Models Replicar Auburn Replicar Cord Replicar Duesenberg Reproduction I Kit Cars Rolls Royce All Models Saab Granturismo Saab Sonnett Shelby All Models Siva Saluki All Models Squire SS 1000 Stutz Blackhawk II All Models Sunbeam All 2 Dr. Roadsters & Coupes Triumph All 2-Dr. Roadsters & Coupes TVR All Models Volkswagen Thing



RULE 44 - RATING TIER SELECTION AND FACTORS

Purpose - The purpose of the discount program is to provide auto insurance on an equitable basis to insureds according to their accident and conviction record and other exposures. Application of the discounts are subject to Home Office approval. All covered motorcycles, snowmobiles and off-road vehicles will be written with a Five Star discount.

Procedure - To accomplish the above we have prepared a Discount Selection Guide and rating tier factors for the Select, Preferred Discount and Five Star Discount. The rating tier factor is applied to the basic rate to determine the premium.

AUTO DISCOUNT SELECTION GUIDE

UNDERWRITING CHARACTERISTICS

A. Accidents - number per operator (last 3 years)

Select - One (none for operator under 25) Preferred discount - One Not at Fault Five Star discount - One Not at Fault

B. Convictions - number per operator (non-serious-last 3 years, serious-last 5 years)

Select * - One (none for operators under age 23) Preferred discount * - One (none for operators under age 25) Five Star discount * - One (none for operators under age 28)

* A Non Serious Conviction is –a minor traffic violation, such as failure to yield, stop sign or signal, and speed 10 mph or less over the posted speed limit.

* A Serious Conviction is a major traffic violation, such as driving while impaired, reckless driving, and major speed violations

C. Total Occurrences (accidents and convictions) - number per insured household (last 3 years)

Select - Two (multi-vehicle), One (single vehicle) Preferred discount - Two (multi-vehicle), One (single vehicle) Five Star discount - One Not at Fault or One Non Serious Violation (drivers age 28 or older)

The two occurrences may not be for the same operator.

D. Any automobile more than _______ years old is unacceptable unless it is a secondary vehicle and in good

condition.

Select - 25 years Preferred discount - 20 years Five Star discount - 15 years

E. RATING TIER FACTORS

Rating Tier Bodily Injury

Property Damage

Other Than

Collision Collision Medical

Payments

Five Star Discount 1.00 1.00 1.00 1.00 1.00

Preferred Discount 1.16 1.16 1.16 1.16 1.16

Select 1.37 1.37 1.37 1.37 1.37

*Reminder – Do not bind applicants age 75 and older. Consideration will be given by the Auto Underwriting

Department on a non-bound basis if the applicant furnishes an ACORD Medical Statement. This must be completed by the applicant in the applicant’s own handwriting.



RULE 45 - INSURANCE SCORE

A. A rating factor from the table below will be applied to all coverages based on the insurance score of a named

insured. The insurance score, using the Standard Auto Model from LexisNexis, is developed from credit

related information including: types of accounts, balances, dates opened, and account activity, plus public

records items such as judgments and liens and inquiries initiated by the insured.

Insurance Score Rating Factor Insurance Score Rating Factor

Below 350 1.50 710-719 0.92 350-359 1.50 720-729 0.90 360-369 1.50 730-739 0.89 370-379 1.50 740-749 0.87 380-389 1.50 750-759 0.84 390-399 1.50 760-769 0.82 400-409 1.50 770-779 0.80 410-419 1.50 780-789 0.79 420-429 1.50 790-799 0.78 430-439 1.50 800-809 0.77 440-449 1.50 810-819 0.76 450-459 1.50 820-829 0.75 460-469 1.50 830-839 0.74 470-479 1.50 840-849 0.73 480-489 1.48 850-859 0.72 490-499 1.45 860-869 0.71 500-509 1.42 870-879 0.70 510-519 1.38 880-889 0.70 520-529 1.34 890-899 0.70 530-539 1.31 900-909 0.70 540-549 1.30 910-919 0.70 550-559 1.28 920-929 0.69 560-569 1.23 930-939 0.69 570-579 1.22 940-949 0.69 580-589 1.20 950-959 0.69 590-599 1.18 960-969 0.69 600-609 1.13 970-979 0.69 610-619 1.12 980-989 0.69 620-629 1.11 990-997 0.69 630-639 1.09 998 No Hits – under age 50 1.00

640-649 1.06 998 No Hits – age 50-74 0.94 650-659 1.00 998 No Hits – over age 74 0.89 660-669 0.99 999 No Score – under age 50 1.00

670-679 0.98 999 No Score – age 50-74 0.96 680-689 0.97 999 No Score – over age 74 0.89 690-699 0.95 Neutral 1.00

700-709 0.93



RULE 45 - INSURANCE SCORE (Continued)

B. Application of the Insurance Score

1. The insurance score will be applied to all new business and to existing policies at renewal.

2. A statement to indicate an insurance score has been used will be shown on the policy declaration when an insurance score is used.

3. The insurance score used, including No Score, will apply for a minimum of 12 months except in cases where corrections have been made for errors in the insured's credit history file with the national credit bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy term.

4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal. However, we do not need to obtain the updated insurance score more frequently than once in a 12-month period.

5. A No Score will continue to apply to a policy except in cases where an insurance score is obtained from a national credit bureau. If an insurance score is returned, it will apply.

6. In order to comply with statute, a Neutral score from LexisNexis’ Standard Auto Model indicates that the insured's credit report has been influenced negatively by an extenuating life circumstance such as catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.

7. If the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is limited to 0.04 per six-month policy period or 0.08 per annual policy.

RULE 46 - RESERVED



RATING FACTORS AND STATISTICAL CODES PRIMARY CLASSIFICATIONS

NO YOUTHFUL OPERATOR

DRIVE TO OR FROM WORK

Age and Sex

Pleasure less than 3 Miles

3 or more, but less than

15 Miles

15 or More, but less than

30 Miles 30 or More

Miles Business

Use Farm Use

Operator Age 79 or Over

8201 1.00

8202 1.00

8203 1.15

8204 1.15

8208 1.25

8209 .81

Operator Age 78

8051 .97

8052 .97

8053 1.12

8054 1.12

8058 1.23

8059 .78

Operator Age 77

8041 .94

8042 .94

8043 1.09

8044 1.09

8048 1.21

8049 .75

Operator Age 76

8141 .91

8142 .91

8143 1.06

8144 1.06

8148 1.19

8149 .72

Operator Age 75

8121 .88

8122 .88

8123 1.03

8124 1.03

8128 1.17

8129 .68

Operator Age 65 - 74

8801 .85

8802 .85

8803 1.00

8804 1.00

8808 1.15

8809 .65

Operator Age 50 - 64

8851 .85

8852 .85

8853 1.00

8854 1.00

8858 1.15

8859 .65

Only Operator in Household Female Age 30 – 49

8861 .98

8862 .98

8863 1.13

8864 1.13

8868 1.28

8869 .81

All Other

8871 .98

8872 .98

8873 1.13

8874 1.13

8878 1.28

8879 .81



RATING FACTORS AND STATISTICAL CODES (Continued) PRIMARY CLASSIFICATIONS

YOUTHFUL UNMARRIED OPERATOR This table contains separate factors for all applicable coverage types other than OTC (Other) and OTC.

MARITAL STATUS AND SEX

AGE OF

DRIVER

NOT OWNER OR PRINCIPAL OPERATOR OWNER OR PRINCIPAL OPERATOR

Not Eligible For Good Student

Eligible For Good Student



Pleasure Use or Farm Use Other/OTC

Drive to Work Business Use Other/OTC







Single FEMALE 17 or less 8064 1.85/1.40

8065 2.00/1.50

8066 1.65/1.25

8067 1.80/1.35

8164 2.30/1.70

8165 2.45/1.85

8166 2.00/1.50

8167 2.15/1.60

Single FEMALE 18 8074 1.85/1.40

8075 2.00/1.50

8076 1.65/1.25

8077 1.80/1.35

8174 2.30/1.70

8175 2.45/1.85

8176 2.00/1.50

8177 2.15/1.60

Single FEMALE 19 8084 1.65/1.25

8085 1.80/1.35

8086 1.50/1.10

8087 1.65/1.25

8184 1.90/1.40

8185 2.15/1.60

8186 1.75/1.30

8187 1.85/1.35

Single FEMALE 20 8094 1.65/1.25

8095 1.80/1.35

8096 1.50/1.10

8097 1.65/1.25

8194 1.90/1.40

8195 2.15/1.60

8196 1.75/1.30

8197 1.85/1.35

Single FEMALE 21 8264 1.35/1.10

8265 1.50/1.20

8266 1.25/1.00

8267 1.40/1.10

8364 1.55/1.20

8365 1.70/1.30

8366 1.35/1.05

8367 1.50/1.15

Single FEMALE 22 8274 1.35/1.10

8275 1.50/1.20

8276 1.25/1.00

8277 1.40/1.10

8374 1.55/1.20

8375 1.70/1.30

8376 1.35/1.05

8377 1.50/1.15

Single FEMALE 23 8284 1.10/1.00

8285 1.25/1.00

8286 1.10/1.00

8287 1.20/1.00

8384 1.25/1.00

8385 1.30/1.05

8386 1.10/1.00

8387 1.20/1.00

Single FEMALE 24 8294 1.10/1.00

8295 1.25/1.00

8296 1.10/1.00

8297 1.20/1.00

8394 1.25/1.00

8395 1.30/1.05

8396 1.10/1.00

8397 1.20/1.00

Single MALE 17 or less 8460 1.90/1.50

8463 2.05/1.60

8466 1.65/1.30

8468 1.80/1.40

8660 2.50/2.05

8663 2.65/2.20

8666 2.00/1.65

8668 2.15/1.80

Single MALE 18 8470 1.90/1.50

8473 2.05/1.60

8476 1.65/1.30

8478 1.80/1.40

8670 2.50/2.05

8673 2.65/2.20

8676 2.00/1.65

8678 2.15/1.80

Single MALE 19 8480 1.75/1.40

8483 1.90/1.50

8486 1.50/1.20

8488 1.65/1.30

8680 2.10/1.75

8683 2.20/1.80

8686 1.80/1.50

8688 1.95/1.60

Single MALE 20 8490 1.75/1.40

8493 1.90/1.50

8496 1.50/1.20

8498 1.65/1.30

8690 2.10/1.75

8693 2.20/1.80

8696 1.80/1.50

8698 1.95/1.60

Single MALE 21 8560 1.35/1.10

8563 1.50/1.20

8566 1.25/1.00

8568 1.40/1.10

8760 1.75/1.45

8763 2.00/1.65

8766 1.45/1.20

8768 1.70/1.40

Single MALE 22 8570 1.35/1.10

8573 1.50/1.20

8576 1.25/1.00

8578 1.40/1.10

8770 1.75/1.45

8773 2.00/1.65

8776 1.45/1.20

8778 1.70/1.40

Single MALE 23 8580 1.15/1.00

8583 1.25/1.00

8586 1.10/1.00

8588 1.20/1.00

8780 1.35/1.10

8783 1.40/1.10

8786 1.25/1.00

8788 1.30/1.05

Single MALE 24 8590 1.15/1.00

8593 1.25/1.00

8596 1.10/1.00

8598 1.20/1.00

8790 1.35/1.10

8793 1.40/1.10

8796 1.25/1.00

8798 1.30/1.05



RATING FACTORS AND STATISTICAL CODES (Continued) PRIMARY CLASSIFICATIONS

YOUTHFUL OPERATOR - MARRIED MALE This table contains separate factors for all applicable coverage types other than OTC (Other) and OTC.

MARITAL STATUS AND SEX

AGE OF

DRIVER




Drive to Work Business Use

Other/OTC


Drive to Work Business Use

Other/OTC

17 or less 8964 1.75/1.40

8965 1.90/1.50

8966 1.40/1.10

8967 1.55/1.20

18 8974 1.75/1.40

8975 1.90/1.50

8976 1.40/1.10

8977 1.55/1.20

19 8984 1.40/1.10

8985 1.55/1.20

8986 1.15/1.00

8987 1.25/1.00

20 8994 1.40/1.10

8995 1.55/1.20

8996 1.15/1.00

8997 1.25/1.00

21 8960 1.15/1.00

8961 1.30/1.05

8962 1.00/1.00

8963 1.10/1.00

22 8970 1.15/1.00

8971 1.30/1.05

8972 1.00/1.00

8973 1.10/1.00

23 8980 1.05/1.00

8981 1.15/1.00

8982 1.00/1.00

8983 1.05/1.00

24 8990 1.05/1.00

8991 1.15/1.00

8992 1.00/1.00

8993 1.05/1.00

RATING FACTORS AND STATISTICAL CODES SECONDARY CLASSIFICATIONS The Rating Factors applicable to the Vehicle Type, Single or Multi-Vehicle Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition, or subtraction, of the appropriate Factor from the applicable table below to the Primary Rating Factor.

Secondary Rating Factors are applicable on Liability, Medical Payments, OTC, and Collision Coverages.

SUB-CLASS

VEHICLE TYPE 0 1 2 3 4

Single Vehicle 10 0.00

11 +0.30

12 +0.90

13 +1.70

14 +3.20

Multi-Vehicle 20 -0.19

21 -0.04

22 +0.27

23 +0.77

24 +1.94



FARM TRUCK RATING FACTOR TABLE Size Class Size Class Size Class Size Class 0-10,000 lbs. GVW 10,001-20,000 lbs. GVW 20,001-45,000 lbs. GVW Over 45,000 lbs. GVW RADIUS & USE LIGHT TRUCKS MEDIUM TRUCKS HEAVY TRUCKS X-HEAVY TRUCKS

Radius - 150 Miles or less 8001 8002 8003 8004 and Annual Mileage - 5,000 0.11 0.11 0.12 0.25 or less, and Not used for Beets or Potatoes

Radius - over 150 Miles 8011 8012 8013 8014 or Annual Mileage - over 0.18 0.18 0.22 0.32 5,000, or Hauls Beets or Potatoes

Must have personal vehicles or supporting farm coverage insured with North Star.

PREMIUM DETERMINATION

A. BODILY INJURY, PROPERTY DAMAGE LIABILITY and MEDICAL PAYMENTS

Apply the appropriate factor to the Private Passenger base rate. (See paragraph D.)

B. OTHER THAN COLLISION (OTC) and COLLISION

Determine the symbol from RULE 10. Apply the appropriate factor to the Private Passenger base rate. (See paragraph D.)

C. UNINSURED and UNDERINSURED MOTORISTS

Use the private passenger rates. The Farm Truck factors do not apply.

D. When North Star insures the insureds private passenger cars and pickups, the Farm Trucks may qualify for

the same Rating Tier Factor (Rule 44) as is applied to those vehicles if the truck is:

1. driven 5,000 miles or less annually; and 2. not used to haul beets or potatoes.

Trucks exceeding allowable mileage must be rated in Select.

E. The Farm Truck Rates take into consideration the seasonal usage of these vehicles and a lay-up credit is

included. Therefore cancellation for seasonal usage is not permitted.

F. Farm Trucks are not subject to other classification rating rules. (The Multi-Vehicle Discount does not apply.

Farm Trucks do not qualify other vehicles for the Multi-Vehicle Discount.)

G. Refer to RULE 5 for application of the Companion Policy Discount.

H. Semi Tractors and trailers. Do not bind. Refer to Home Office for underwriting approval. Eligible only

when North Star insures the insured's Private Passenger Cars and Pickups. Apply the X-Heavy Factor to the Private Passenger base rate.

I. Farm Trucks are eligible for the optional Annual Policy Term. Apply the Policy Term Factor to the final

calculated rate.

J. Attach Form CF-1164 Farm Truck Supplement.

ARTISAN RATING FACTOR

Artisan Pickups, Vans and SUV’s ............................................... Class 8021 Factor .95

LIABILITY, MEDICAL PAYMENTS, OTHER THAN COLLISION (OTC), COLLISION, UNINSURED and UNDERINSURED MOTORISTS COVERAGES are available.

PREMIUM DETERMINATION - Apply the factor (Primary +/- Secondary) to the Private Passenger auto rates. Refer to RULE 44 for the Rating Tier Factor. Refer to RULE 5 for the Companion Policy Discount. (This class is not applicable if the vehicle is operated by a driver age 22 or younger.)

Vehicles under the Artisan Program cannot be titled in a business or corporation name.

http://www.northstarmutual.com/userfiles/documents/forms/policyforms/current/CF-1164%2004-08.pdf



SCHEDULE OF ENDORSEMENTS

Form Number Title Use

NSG-PA01 Employers Non Ownership Liability Employers

PP 00 01 Personal Auto Policy Basic Policy

NSG-PA02 Corporation As Named Insured Family Farm Corporations

NSG-PA03 Pollution Exclusion and Limited Farm Pollution Pollution Exclusion/Supplementary

and Clean Up Coverage Payment Provision

NSG-PA04 Amendment of Policy Definitions Farm Truck Definition

NSG-PA06 Amendment of Part D - Coverage For Damage Awning or Cabana Coverage

To Your Auto

PP 01 98 Amendment of Policy Provisions – Iowa State Requirement

PP 03 01 Federal Employees Using Autos In Government Rural Mail Carrier, etc.

Business

PP 03 02 Optional Limits Transportation Expenses Coverage Rental Reimbursement

PP 03 05 Loss Payable Clause To Name Lienholder

PP 03 06 Extended Non-Owned Coverage Coverage for Driving Other Autos

PP 03 07 Trailer/Camper Body Coverage Coverage for Awnings, Cabanas etc. on Recreational Vehicles

PP 03 08 Coverage For Damage To Your Auto Stated Amount Coverage

PP 03 13 Excess Electronic Equipment Coverage and Tapes, Electronic Equipment

Records, Disks and Other Media Coverage

PP 03 18 Customizing Equipment Coverage Stated Amount - Customized Vehicle

PP 03 19 Additional Insured - Lessor Name a Lessor

PP 03 20 Snowmobile Endorsement Snowmobiles

PP 03 22 Named Non-Owner Coverage Insured Does Not Own a Vehicle

PP 03 23 Miscellaneous Type Vehicle Endorsement Motorcycles, Off-Road Vehicles

Motorhomes, Antiques

PP 03 28 Miscellaneous Type Vehicle Endorsement Motorhome Coverage

(Motor Homes)

PP 04 60 Uninsured Motorists Coverage – Iowa (Non-Stacked) Uninsured Motorist Coverage

PP 04 85 Underinsured Motorists Coverage – Iowa (Non-Stacked) Underinsured Motorist Coverage

PP 13 03 Trust Endorsement Additional Insureds

PP 13 26 Joint Ownership Coverage – Iowa Other Than Insured and Spouse

CF-1402 Agreement Policy Agreement and Index

CF-1708 Mutual Policy Conditions State Requirement

CF-2016 Roadside Assistance Roadside Assistance Coverage

CF-2214 Rider Safety Apparel Coverage for Motorcycles Collision or OTC Coverage

Snowmobiles and Off-Road Vehicles

CF-2215 Excess Custom Equipment Coverage for Stated Amount – Customized Vehicles

Motorcycles, Snowmobiles and Off-Road Vehicles


North Star Mutual Ins. Co. T - 1 Renewals 11-01-20

TERRITORY DEFINITIONS IOWA State Code (14) Iowa Territory rating codes are determined by the ZIP code of the insured's principal place of residence. For alternate garaging location Territory Rating Codes - refer to the Home Office.

TERRITORY 31 - REMAINDER OF STATE Territory 31 consist of the following ZIP codes:

50002 50003 50006 50007 50008 50010 50011 50012 50013 50014 50020 50022 50025 50026 50028 50029 50031 50033 50034 50036 50037 50039 50040 50041 50042 50043 50046 50048 50049 50050 50052 50055 50056 50058 50059 50060 50063 50064 50065 50066 50067 50069 50070 50071 50072 50073 50074 50075 50076

50101 50102 50103 50105 50107 50108 50109 50110 50115 50117 50122 50123 50124 50126 50127 50128 50129 50130 50132 50133 50134 50136 50140 50144 50146 50147 50149 50150 50152 50154 50155 50156 50157 50161 50164 50165 50167 50168 50171 50174 50201 50206 50207 50208 50212 50213 50216 50217 50218

50220 50222 50223 50226 50227 50230 50231 50233 50235 50236 50238 50240 50243 50244 50246 50248 50249 50250 50254 50255 50257 50258 50259 50262 50264 50268 50269 50271 50273 50274 50275 50276 50277 50278 50401 50402 50420 50421 50423 50424 50426 50427 50428 50430 50431 50432 50433 50434 50435

50436 50438 50439 50440 50441 50444 50446 50447 50448 50449 50450 50451 50452 50453 50454 50455 50456 50457 50458 50459 50460 50461 50464 50465 50467 50468 50469 50470 50471 50472 50473 50475 50476 50477 50478 50479 50480 50481 50482 50483 50484 50501 50510 50511 50514 50515 50516 50517 50518

50519 50520 50521 50522 50523 50524 50525 50526 50527 50528 50529 50530 50531 50532 50533 50535 50536 50538 50539 50540 50541 50542 50543 50544 50545 50546 50548 50551 50552 50554 50556 50557 50558 50559 50560 50561 50562 50563 50565 50566 50567 50568 50569 50570 50571 50573 50574 50575 50576

50577 50578 50579 50581 50582 50583 50585 50586 50588 50590 50591 50592 50593 50594 50595 50597 50598 50599 50601 50616 50620 50627 50633 50653 50672 50801 50830 50831 50833 50835 50836 50837 50839 50840 50841 50842 50843 50845 50846 50847 50848 50849 50851 50853 50854 50857 50858 50859 50860

50861 50862 50863 50864 51001 51002 51003 51004 51005 51006 51007 51008 51009 51010 51011 51012 51014 51015 51016 51018 51019 51020 51022 51023 51024 51025 51026 51027 51028 51029 51030 51031 51033 51034 51035 51036 51037 51038 51039 51040 51041 51044 51045 51046 51047 51048 51049 51050 51051

51052 51053 51054 51055 51056 51058 51060 51061 51062 51063 51201 51230 51231 51232 51234 51235 51237 51238 51239 51240 51241 51242 51243 51244 51245 51246 51247 51248 51249 51250 51301 51331 51333 51334 51338 51340 51341 51342 51343 51345 51346 51347 51350 51351 51354 51355 51357 51358 51360

51363 51364 51365 51366 51401 51430 51431 51432 51433 51436 51439 51440 51441 51442 51443 51444 51445 51446 51447 51448 51449 51450 51451 51452 51453 51454 51455 51458 51459 51460 51461 51462 51463 51465 51466 51467 51520 51521 51523 51525 51526 51527 51528 51529 51530 51531 51532 51533 51534

51535 51536 51537 51540 51541 51542 51543 51544 51545 51546 51548 51549 51550 51551 51552 51553 51554 51555 51556 51557 51558 51559 51560 51561 51562 51563 51564 51565 51566 51570 51571 51572 51573 51575 51576 51577 51578 51579 51591 51593 51601 51603 51630 51631 51632 51636 51637 51638 51639



TERRITORY DEFINITIONS

TERRITORY 31 - REMAINDER OF STATE (Continued) Territory 31 also consists of the following ZIP codes: 51640 51645 51646 51647 51648 51649 51650 51651 51652

51653 51654 51656 52231 52248 52301 52355 52361 52501

52530 52531 52533 52535 52536 52537 52542 52543 52544

52548 52549 52551 52552 52553 52554 52555 52560 52561

52562 52563 52565 52566 52568 52569 52570 52571 52572

52573 52574 52576 52581 52583 52584 52585 52588 52590

52591 52593 52594 52601 52619 52620 52623 52624 52625

52626 52627 52630 52631 52632 52635 52637 52638 52639

52640 52644 52645 52646 52648 52649 52650 52651 52653

52655 52656 52657 52658 52660 52737 52738 52752

TERRITORY 32 – SIOUX CITY Territory 32 consists of the following ZIP codes: 51101 51102 51103 51104 51105 51106 51108 51109 51111

TERRITORY 33 - WATERLOO Territory 33 consists of the following ZIP codes: 50613 50614 50634 50667 50701 50702 50704 50707

TERRITORY 34 – DUBUQUE Territory 34 consists of the following ZIP codes: 52001 52002 52003 52004 52099



TERRITORY 35 – DES MOINES (SUBURBAN) Territory 35 consists of the following ZIP codes: 50009 50021 50023

50035 50038 50047

50054 50061 50099

50111 50131 50169

50211 50228 50237

50261 50263 50313

50320 50323 50333

TERRITORY 36 – CEDAR RAPIDS Territory 36 consists of the following ZIP codes: 52233 52328

52401 52402

52403 52404

52405 52406

52407 52408

52409 52410

52411 52497

52498 52499

TERRITORY 37 – CLINTON Territory 37 consist of the following ZIP codes: 52732 52733 52734 52736 52771

TERRITORY 38 – QUAD CITIES Territory 38 consists of the following ZIP codes: 52722 52753

52767 52801

52802 52803

52804 52805

52806 52807

52808 52809

TERRITORY 39 – DES MOINES (EAST METRO) Territory 39 consists of the following ZIP codes: 50032 50302 50307 50308

50309 50310 50314 50315

50316 50317 50318 50319

50327 50328 50329 50330

50331 50332 50335 50340

50360 50380 50381 50392

50393 50396 50936 50940

50947 50950 50980 50981

50982 50983

TERRITORY 40 – DES MOINES (WEST METRO) Territory 40 consists of the following ZIP codes: 50265 50266 50301

50303 50304 50305

50306 50311 50312

50321 50322 50324

50325 50334 50336

50339 50359 50361

50362 50363 50364

50367 50368 50369

50391 50394 50395

50398

TERRITORY 41 – COUNCIL BLUFFS Territory 41 consists of the following ZIP codes: 51501 51502 51503 51510



TERRITORY 42 – EASTERN IOWA Territory 42 consists of the following ZIP codes: 52037 52201 52203 52204 52211 52216 52220 52221 52222

52232 52235 52236 52240 52241 52242 52243 52244 52245

52246 52247 52251 52254 52255 52306 52307 52308 52316

52317 52322 52325 52327 52333 52334 52335 52337 52338

52340 52347 52353 52356 52358 52359 52540 52556 52557

52567 52580 52621 52641 52642 52647 52652 52654 52659

52701 52720 52721 52726 52727 52728 52729 52730 52731

52739 52742 52745 52746 52747 52748 52749 52750 52751

52754 52755 52756 52757 52758 52759 52760 52761 52765

52766 52768 52769 52772 52773 52774 52776 52777 52778

TERRITORY 43 – SOUTH CENTRAL IOWA Territory 43 consists of the following ZIP codes: 50001 50027 50044 50057 50062

50068 50104 50112 50116 50118

50119 50125 50135 50137 50138

50139 50143 50145 50151 50153

50160 50163 50166 50170 50210

50214 50225 50229 50232 50241

50242 50251 50252 50256 50272

50609 52534 52550 52577 52586

52595

TERRITORY 44 – NORTH EAST IOWA

Territory 44 consists of the following ZIP codes:

50005

50051

50078

50106

50120

50141

50142

50148

50158

50162

50173

50234

50239

50247

50466

50602

50603

50604

50605

50606

50607

50608

50611

50612

50619

50621

50622

50623

50624

50625

50626

50628

50629

50630

50631

50632

50635

50636

50638

50641

50642

50643

50644

50645

50647

50648

50649

50650

50651

50652

50654

50655

50657

50658

50659

50660

50661

50662

50664

50665

50666

50668

50669

50670

50671

50673

50674

50675

50676

50677

50680

50681

50682

50703

52030

52031

52032

52033

52035

52036

52038

52039

52040

52041

52042

52043

52044

52045

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TERRITORY 45 – Pella Territory 45 consists of the following ZIP codes: 50219