unigard insurance company · unigard insurance company 05/2011 . unigard insurance company . oregon...

Indicates Revision Unigard Insurance Company 05/2011

Unigard Insurance Company

Oregon

Automobile Manual


Program Placement Available Programs Insurance Bureau Score New Business Renewal Verification Application Claims History/MVRs Policy File Maintenance Prior Insurance Vehicle Information Classic Autos Corporate Owned Vehicles Eligibility Garaging Address Grey Market Vehicles Ineligible Vehicles Inspections Jointly Owned Vehicles Miscellaneous Type Vehicles Symbol Rated Vehicles Vehicle Use Driver Information Classifications Driver Assignment Driver Eligibility Excess Vehicles Financial Responsibility Filings Ineligible Drivers License Status Multiple Operators Assigned to a Vehicle Named Driver Exclusion Driving Record Assignment of Points Driving Record Surcharges Coverage Options Custom Parts and Equipment – Increased Limits Liability Optional Physical Damage Physical Damage Comprehensive & Collision Towing and Labor Cost – Emergency Roadside Equipment Transportation Expense


Discounts Accident/Violation Free Discount Affinity Group Discount Anti-Theft Devices Defensive Driver Discount Good Student Discount Multi-Car Discount Multi-Policy Discount Paid In Full Discount Proactive Customer Professional Group Discount Student Away at School Miscellaneous Type Vehicles All-Terrain Vehicles Antique Autos Custom Autos Golf Carts Motor Homes Snowmobiles Trailers and Campers

General Rules Cancellation Changes Policy Period Suspensions of Coverage Waiver of Premium Whole Dollar Premium

Oregon – Automobile 1


Program Placement Available Programs Unigard’s FlexAuto program provides coverage for the following Personal Auto vehicle types:

• Classic Autos • Pick up • Private passenger auto • Sport utility vehicle (SUV) • Van

New Business The customer will be placed in the best possible tier based on information obtained from various sources, including the application, insurance bureau score, driving record and loss history. Insurance Bureau Score An insurance bureau score (IBS) is ordered on the primary named insured for all new business quotes and submissions. If the insured and spouse, or domestic partner, legally recognized under Oregon law, are listed as primary named insured and co-applicant the IBS will be ordered on both, and the most favorable score will be used. We order a score from LexisNexis™ utilizing the Attract model. The IBS is automatically ordered. Simply follow the instructions in our quoting system. Please read the customer the short disclosure statement that appears on the screen. Be sure to include the applicant’s full name, address and social security number to avoid inaccurate or unavailable IBS information. Note: A customer has the option not to provide his/her social security number, but this may

result in an unconfirmed IBS, which could affect tier placement. You will not receive any information contained in the customer’s credit report; it is ordered, received and used exclusively by Unigard through our rating system. Renewal As existing Unigard policies renew into the new FlexAuto Program, each policy will be placed into the same credit tier grouping that yields that same factors as the old program. Other non-credit tiering attributes will be re-evaluated and placed into the best possible FlexAuto tier based on information we have on file. Renewal Cap We know that a large increase in the renewal premium will cause significant customer disruption and dissatisfaction. Therefore, we will cap premium changes on renewal policies that otherwise would have had a substantial premium increase or decrease as a result of our new rating structure. With future rate revisions, we may change or remove the cap altogether.



Verification Policy File Maintenance and Verification Please refer to the file retention guideline available on Unigard’s website. Application The signed application must be retained in the agent’s file. Claims History/MVRs Unigard uses LexisNexis’™ Comprehensive Loss Underwriting Exchange (CLUE) reports and/or Motor Vehicle Reports (MVRs) to verify each driver’s accident and violation history. For inforce policies we also use information from Unigard’s records, including insured questionnaires, to verify driver accident and violation information. Note: Full disclosure is essential in order to avoid premium conflicts or policy cancellation. Any

unrevealed driving activity will be added to the driving record and the policy will be re-rated accordingly.

Prior Insurance and Prior Coverage Limits Information about prior insurance and prior coverage limits is required. This information includes:

• Name of prior insurance carrier. • Length of insurance coverage with prior carrier. • Bodily Injury Limits on prior policy. • Any days lapse in prior coverage.

The information listed above will be verified through the use of a prior carrier report. Vehicle Information Vehicle Eligibility A FlexAuto policy may be written for a private passenger auto. The vehicle must be owned by an individual or by a husband and wife, or by domestic partners, legally recognized under Oregon law, who are residents in the same household. A private passenger auto is a four-wheel motor vehicle, other than truck type, owned or leased under contract for a continuous period of at least six months. Note: Auto, as used in this product guide, refers to private passenger automobiles or those

motor vehicles considered as private passenger autos.



Vehicle Information (continued) Ineligible Vehicles The following risks are not acceptable: • Ambulances • Buses • Commercial auto types, such as but not limited to: step, panel and cut away vans, flatbed,

stake beds, and dump trucks • Corporate owned or leased vehicles. For exceptions to this please see the Corporate

Owned Vehicle Endorsement described later in this section. • Pickups and vans which have a Gross Vehicle Weight Rating of greater than 14,000

pounds, or any vehicle with a Gross Vehicle Weight Rating greater than 14,000 pounds for which a symbol is assigned by Unigard.

• Day care vehicles • Driving school vehicles • Dune buggies, VW Baja or Kit Cars • Fire, Police, Emergency and for-hire vehicles • Hearse • Motorcycles • Rental automobiles • Vehicles equipped with snow removal equipment • Vehicles requiring state or federal motor carrier permits to operate • A vehicle used:

• as a primary residence • for racing or speed contests • to carry persons or property for compensation or a fee (does not include share-the-

expense car pool) • for wholesale/retail delivery (includes pizza and newspaper delivery)

• Low Speed Vehicles or Neighborhood Electric Vehicles (NEV). Vehicles with four wheels designed for use on public roads that have a top speed of 25 mph or less. Examples: GEM, Ford Think, or Micro-trucks.

Grey Market Vehicles Grey Market Vehicles have been manufactured outside the United States and do not meet U.S. emission and safety standards. Some grey market vehicles are not eligible for coverage because of this. Grey market vehicles that have been upgraded to meet U.S. emissions and safety standards may be rated using the same symbols as would be used for a comparable U.S. vehicle. Please contact underwriting if you have one of these vehicles. A copy of the vehicle registration is required to verify that the local jurisdiction’s Department of Transportation safety requirements and Environmental Protection Agency emission standards are satisfied.



Vehicle Information (continued) Inspections It is expected that all vehicles are in good condition and that they are mechanically sound. Information about pre-existing damage must be included in the remarks section and photos of the vehicle must be kept in the agency file. An inspection may be requested at our discretion. Corporate Owned Vehicles This endorsement allows a private passenger vehicle that is titled in the name of a business to be written on a personal auto policy. The vehicle must be for personal use only or driving to and from work and the named insured must own the business. The guidelines for this endorsement are listed below: • A private passenger auto owned by a corporation when the auto(s) is primarily operated by

the corporate officer named in the declarations, or family members who are residents of the same household;

• The auto is a private passenger, station wagon, pickup or van type vehicles; • Only the individual corporate officer is to be named on the declarations as named insured,

not the corporation itself; • Any auto operated by an employee of the corporation, other than the corporate officer

named in the Declarations are not eligible; • No more than four autos are owned or leased by corporations, co-partnerships or

unincorporated associations; Jointly Owned Vehicles A FlexAuto Policy may be endorsed for eligible private passenger autos, and pickups and vans that are owned jointly by two or more: 1. Resident relatives other than husband and wife, or domestic partners, legally recognized

under Oregon law; or 2. Resident individuals; or 3. Non-Resident relatives, including non-resident husband and wife, or non-resident domestic

partners, legally recognized under Oregon law. Classic Autos A classic auto is a motor vehicle of the private passenger type, that is 10 or more years old and that 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. Our limit of liability for a partial loss will be the lesser of the: a. actual cash value of the stolen or damaged property: or b. amount necessary to repair or replace the property; or c. maximum limit of liability shown in the Declarations. Our limit of liability for a total loss will be the amount shown for each Classic auto in the Declarations which is agreed to be the value of the covered auto.



Vehicle Information (continued) Miscellaneous Type Vehicles The following miscellaneous type vehicles may be eligible for coverage: • Recreational Vehicles

Antique autos, custom autos, trailers (including camper bodies) and motor homes are eligible for coverage under our FlexAuto policy. Please refer to the Miscellaneous Type Vehicle section for more information.

• Off-Road Vehicles The following four-wheel vehicles, which are not licensed for use on public roads or highways, may be eligible for coverage under our FlexAuto Policy: • Snowmobiles • Golf Carts • All-Terrain Vehicles Please refer to the Miscellaneous Type Vehicle section for more information.

Symbol Rated Vehicles – All Coverages We use company defined vehicle symbols, which are automatically generated by our quoting system. Please ensure that the Vehicle Identification Number (VIN) is correct since symbols will be assigned based on the VIN. • Model year: The model year is determined by the auto’s original manufacturer. If the

vehicle is rebuilt or structurally altered, the model year of the chassis determines the model year of the vehicle.

• Vehicles 1981 and newer: After you enter vehicle information, the first ten digits of the VIN

will be shown on the screen. Confirm that this number matches the VIN provided by the applicant to ensure an accurate quote.

• 1980 and older models: Choose the correct subtype and add the requested information in

our quoting system and the correct symbol will automatically be assigned. • Symbols Not Yet Assigned – Unlisted new models: Complete the information requested

in our quoting system. Contact underwriting and a company representative will assign the symbols and enter the proper vehicle symbol.



Vehicle Information (continued) Garaging Address Rating is based on the ZIP Code where the vehicle is principally garaged. Our quoting system will automatically assign the proper territory and rating factor based on the ZIP Code that is entered. Living Away From Home: A student away from home with a vehicle is rated in the territory where the vehicle is garaged. Exception: Vehicles garaged out of state for more than six months of the year are not eligible for coverage, unless student is away at school and the parents are insured in Oregon. In this situation the auto of the student away at school will be rated in a special out of state territory (Territory 98) designated for such rating. Vehicle Use Business Use means that the vehicle is used in an occupation, profession or business, other than going to or from the principal place of occupation, profession or business. Commute to Work Use means:

(1) no Business Use, and (2) vehicles regularly used to and from work, regardless of the number of miles driven.

Farm Use means an owned private passenger auto is principally garaged on a farm or ranch, and

(1) it is not customarily used to go to and from work other than farming or ranching, or to drive to and from school, and

(2) it is not customarily used in any occupation other than farming or ranching. Pleasure Use means:

(1) no Business Use, (2) no Commute to Work Use, and (3) no Farm Use.

Note: An auto driven part way to or from work or school, such as to a Park and Ride facility or

train station, whether or not the auto is parked there during the day, will be rated as Commute to Work Use.



Driver Information Driver Eligibility Insured (Primary Named Insured) All policies must be issued in the name of the registered owner(s) of the insured vehicle, and the named insured and/or spouse, or domestic partner, legally recognized under Oregon law, must own all insured vehicles. All drivers in the household must be insured on the policy and rated accordingly. All drivers and non-licensed individuals must be identified on the application. Ineligible Drivers The following drivers are ineligible for insurance: • Drivers without current, valid driver’s licenses; • Drivers who are not permanent Oregon residents; • Named insureds with permanently suspended or revoked licenses; other drivers with

suspended or revoked licenses unless the driver is excluded from coverage; • Individuals who have been convicted of insurance fraud; • Individuals employed in illegal enterprises or occupations; • Drivers who have had a policy canceled by Unigard due to loss experience or

misrepresentation; • Drivers who are professional entertainers or professional athletes. License Status/Types Eligible Operator Each operator must have a valid U.S. or Canadian drivers license. New residents (except military) must furnish Unigard with a valid Oregon State driver’s license number within 30 days of application. Note: For applicants with a physical disability, the vehicle must be equipped with necessary

mechanical controls. No surcharge is applied. Permit Rating An additional premium will not be charged for a driver who has a learner’s permit, is single, under the age of 19, and a child of the primary named. However, all drivers with a learner’s permit and all other non-licensed persons under age of 18 should be listed in our quoting system. Please notify Unigard if and when these individuals do become licensed. Unverifiable Driver’s License Any driver with a U.S. driver’s license whose driving record cannot be verified by the licensing state’s Motor Vehicle Department will be assessed a surcharge, please see the list of Driving Record Surcharges. The points will be removed if a valid Motor Vehicle Report (MVR), covering the experience period, is received within 30 days of the policy inception. Drivers with less than three years driving experience or who are18 years or younger will not be charged unverifiable driving record points.



Driver Information (continued) License Status/Types (Continued) International and Foreign Driver’s Licenses A driver who has a valid foreign or international driver’s license but not a valid U.S. or Canadian license will be assessed a surcharge, please see the list of Driving Record Surcharges. The driver will be expected to obtain an Oregon driver’s license before the end of the first policy term. Financial Responsibility Filings (SR-22) Unigard will make SR-22 Financial Responsibility filings as needed when the policy is issued. For clients needing an immediate filing, please call customer service. Financial Responsibility filings are subject to the following rules: 1. A filing may be made only for the named insured or resident spouse, or domestic partner,

legally recognized under Oregon law. (Any exception to this rule requires prior approval.) The name on the filing must appear exactly as it reads on the driver’s license.

2. All vehicles owned by the driver requiring the filing must be insured on the Unigard policy. 3. Filings will not be provided for excluded drivers, non-residents, or unrelated individuals. A fee will be charged for each policy term for which a filing is required. Named Driver Exclusion Upon receiving prior underwriting approval, a FlexAuto policy may be issued with a Named Driver Exclusion Endorsement – Oregon. If excluded, coverages under Part A – Liability and Part D – Coverage For Damage To Your Auto, will not be provided while any vehicle described in the policy or any other vehicle to which the terms of the policy applies is being used, driven, operated or manipulated by or under the care, custody, or control of the excluded driver, with or without permission. A copy of the Named Driver Exclusion is available on the Personal Lines tab on our website. Classifications The classifications listed below do not apply to risks rated as Miscellaneous Type Vehicles. An auto owned by an individual or by two or more resident relatives is classified as follows: Primary Classification The vehicle is classified according to the age, gender, and marital status of the operators and the use of the vehicle. Age means the age attained on the last birthday.



Driver Information (continued) Classifications (Continued) Driver Marital Status

Single means a driver who is not legally married, including single, separated, divorced or in a domestic partner relationship. Married means a married person living with his or her spouse, a person who has been widowed or parties who have entered into a domestic partnership legally recognized under Oregon law and who are residents of the same household. Resident means anyone residing in the same household. Youthful Operator means an applicant, or any other resident in the same household as the applicant, who customarily operates the auto, and who is under the age of 25.

Classification Changes Premium adjustments are calculated on a pro-rata basis when changes in rating classifications are made. This includes the addition or deletion of an operator during the policy term. Exceptions: a. A policy will not be revised mid-term because age changes during the policy term. b. A policy will not be revised mid-term because of a change in the driving record. c. A policy will not be revised mid-term solely due to a change in symbol assignment. Driver Assignment Each policy must have at least one driver assigned as a principal operator to a vehicle. All drivers must be assigned to one vehicle. Each driver must be assigned to the vehicle most frequently driven as a principal or occasional operator. Drivers are not assigned to Antiques, Motor homes, Recreational and Utility Trailers. Excess Vehicles If there are no drivers available to be assigned to a vehicle, that vehicle is considered to be an Excess Vehicle. Multiple Operators Assigned to a Vehicle Only one driver may be assigned as a principal operator to a vehicle. One or more drivers may be assigned as an occasional operator to a vehicle. If there is more than one operator assigned to a vehicle, the operator with the highest driver factor will be the rated driver of the vehicle.



Driving Record Chargeable Date We use the violation conviction date, not the occurrence date, to determine if points are to be charged. Experience Period The experience period will be the 36 month period immediately preceding the effective date of the application or renewal. At-Fault Accident definition – include exceptions Points outlined in the point assignment table will be assigned for each automobile accident involving the applicant or any other household resident, while operating any private passenger auto, including motor homes, resulting in: (1) any bodily injury or death; or (2) damage to any property, including his or her own, in excess of $750. Exception: No points will be assigned for accidents incurred by an operator who is rated as a named insured or principal operator of an auto insured under a separate policy. Not-At-Fault Accidents Points will not be assigned for an accident described above if the insured demonstrates that the accident occurred under the following circumstances: (a) The automobile was lawfully parked. A vehicle rolling from a parked position will not be

considered lawfully parked and points will be charged to the driver who parked the car; (b) The insured or other resident driver involved in an accident was fully reimbursed or entitled

to full reimbursement by, or on behalf of, a person responsible for the accident; (c) An auto of the insured or other driver in the same household was struck in the rear by

another vehicle, and the insured or other resident driver has not been convicted of a moving traffic violation in connection with the accident.

(d) The operator of the other auto involved in the accident was convicted of a moving traffic violation and the insured or other driver in the same household was not convicted of a moving traffic violation in connection with the accident.

(e) The auto operated by an insured or other resident driver is damaged by "hit and run” driver, if the accident was reported to the proper authority within 24 hours.

(f) Accidents involving damage by contact with animals or birds. (g) Accidents involving physical damage, limited to and caused by flying gravel, missiles, or

falling objects. (h) Accidents occurring during the use of any auto in response to an emergency if the

operator at the time of the accident was responding to a call to duty as 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 emergency situation ceases or after the private passenger auto ceases to be used in response to such emergency.

(i) Applicant or other operator residing in the same household, or owner, who receives payment under Auto Personal Injury Protection where such individual is not at fault.

(j) The accident occurred as a result of the operation of an automobile under circumstances requiring licensing as a chauffeur.



Driving Record (continued) Assignment of Driving Record Points Driving record points are assigned to the operator who incurred them. An individual operator’s points will be totaled and applied accordingly. The appropriate surcharge will be applied to the automobile to which that operator is assigned. When an accident results in one or more moving violations, or if the insured receives multiple violations for one occurrence not related to an accident, we will charge appropriate points for highest rated offense only. Driving Record Surcharges Please enter all moving violations and accident information for each driver. Our quoting system will automatically assign applicable points. Points will be applied in the rating of the policy, both at inception and at each renewal. Points are assigned to the driver as follows: Driving Record Point assignment Violation Type 1st incident 2nd & Subsequent

incidents Minor 1 2 Major 4 6 Major Speed (25+ mph over speed limit)

4 6

Alcohol/Drug related 3 6 At-Fault accidents below threshold

0 0

At-Fault accidents above threshold

2 4

We will charge six points for any driver with an unverifiable driving record or a foreign driver’s license. We will not charge any points for non-moving violations, non-chargeable incidents or not at-fault accidents.



Coverage Options Liability Coverage Chart of available coverages and limits for all Programs. Coverage Available

Limits Description

Bodily Injury Liability Limits (split limits) (in thousands)

$ 25/50 50/100 100/300

250/500

Unigard’s minimum limit is $25,000 per person/$50,000 per accident for Bodily Injury and $20,000 Property Damage per accident. Higher limits are available. All vehicles on one policy must have the same limits. Property

Damage Liability Limits (split limits)

$ 20,000 25,000 50,000

100,000 300,000

Combined Single Limits of Liability

$ 100,000 300,000 500,000

Combined Single Limits (CSL) is a single limit of liability that applies to Bodily Injury and Property Damage with no per person or Property Damage sub-limit. Uninsured and Underinsured Motorist are not included in CSL but may be purchased separately. All vehicles on one policy must have the same limits.

Personal Injury Protection

Medical Expense Limit: $ 15,000 25,000 50,000

Personal Injury Protection limits apply to each person, for each accident. If coverage is selected, all vehicles on one policy must have the same PIP limits.

Uninsured Motorist Bodily Injury (UMBI) Liability Limits (split limits) (in thousands)

$ 25/50 50/100 100/300 250/500

Uninsured Motorist Bodily Injury Coverage must be offered for every motor vehicle registered or principally garaged in Oregon. If this form of insurance is purchased, it must apply to all vehicles on the policy. Exception: The insured has the right to request

lower limits of this coverage, but not less than the Financial Responsibility limits, in writing. Subsequent renewal policies issued by Unigard will be issued with the same selected limits unless the insured requests this coverage in writing.

Note: If the signed form is not provided, the coverage will be added and premiums charged accordingly.



Coverage Options (continued) Liability Coverage (Continued) Underinsured Motorist Bodily Injury Liability

Underinsured Motorist Bodily Injury Coverage is included in UMBI when UMBI limits are written above the Oregon Financial Responsibility limit.

Uninsured Motorist Bodily Injury Liability (UM BI) Limits (combined single limit)

$ 100,000 300,000

500,000

UMBI Combined Single Limits (CSL) is a single limit of liability that applies to UMBI with no per person sub-limit. UMBI CSL is only available with a corresponding CSL Liability limit.

Uninsured Motorist Property Damage (UMPD) Limits

$ 20,000 25,000 50,000 100,000

Uninsured motorist Property Damage Coverage (UMPD) is available in Oregon. Uninsured Motorist Bodily Injury must be carried if Uninsured Motorist Property Damage is to be provided. Uninsured Motorist Property Damage Coverage is subject to $300 deductible if an accident is caused by a hit-and-run or phantom vehicle $200 deductible for an accident involving other than a hit-and-run or phantom vehicle. Uninsured Motorist Property Damage is available separately by vehicle, but if the coverage is written, the limit must be the same for all vehicles with the coverage.



Coverage Options (continued) Physical Damage Coverage Comprehensive and Collision Coverage Comprehensive as used in this manual refers to Other Than Collision damage to a motor vehicle. Collision is not offered without Comprehensive.

Physical Damage Deductible Options Comprehensive Deductibles

$ 100 $ 200 $ 250 $ 500 $ 750 $1000 $1500 $2500

Collision Deductibles

$ 100 $ 200 $ 250 $ 300 $ 500 $ 750 $1000 $1500 $2500

Optional Physical Damage Coverages Auto Loan/Lease A policy providing both Collision and Comprehensive coverage may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a new vehicle, and the actual cash value of the vehicle, subject to the following: a. Auto Loan/Lease Coverage may be provided only to a vehicle that is a private passenger

auto, pickup or van; and b. The vehicle must have Other Than Collision and Collision coverage and a Loss Payee or

Lessor. Excess Electronic Equipment Coverage This coverage may only be written in conjunction with Comprehensive coverage. Electronic equipment that reproduces, receives, or transmits audio, visual or data signals which is permanently installed by the original vehicle manufacturer in the vehicle at the time of loss, is automatically covered under the policy, without an additional premium charge.



Coverage Options (continued) Excess Electronic Equipment Coverage (Continued) Such equipment includes, but is not limited to:

a. Radios and stereos; b. Tape decks; c. Compact disk systems; d. Navigation systems; e. Internet access systems; f. Personal computers; g. Video entertainment systems; h. Telephones; i. Televisions; j. Two-way mobile radios; k. Scanners, or citizen band radios.

However, electronic equipment that is not installed by the original automobile manufacturer, and is permanently installed in the vehicle is subject to a sublimit of $1,000. This sublimit may be increased. Higher limits are available up to a maximum of $5,000. Note: Coverage is Not Provided on an “agreed value” basis. This amount shown in the

Schedule or in the Declarations is not necessarily the amount paid at the time of loss or damage for the described property. Please refer to the policy, any attached endorsements and Declarations for complete information on the coverage and limits provided.

Custom Parts And Equipment – Increased limits This option for increased limits is available if the auto, pickup or van is insured for Comprehensive and Collision coverage. The policy provides up to $1000 for coverage for parts, equipment, devices, accessories, paint decals, finish and enhancements, that are not installed by or available from the original vehicle manufacturer or original new car dealer. The policy limit may be increased for all such custom parts, equipment, devices, etc. Custom parts or equipment does not include electronic equipment and accessories designed for the reproduction of sound. Some examples of custom parts or equipment are:

a) components of a van that has been modified to assist or accommodate the handicapped; or

b) custom wheels and paint jobs. Higher limits are available up to a maximum of $20,000. Note: Coverage is Not Provided on an “agreed value” basis. This amount shown in the

Schedule or in the Declarations is not necessarily the amount paid at the time of loss or damage for the described property. Please refer to the policy, any attached endorsements and Declarations for complete information on the coverage and limits provided.



Coverage Options (continued) Transportation Expense $30 per day/$900 maximum (Included in Comprehensive Premium) Higher Options Available • $50 per day/$1,500 maximum Towing And Labor Cost / Emergency Roadside Assistance This optional coverage pays for all reasonable expenses each time a covered auto, other than a motor home, is disabled. It may only be written when Comprehensive coverage is also provided. For motor homes, Special Towing and Labor Cost coverage is available for an additional premium. This coverage pays up to $400 for reasonable expenses each time a covered motor home is disabled. This coverage may be written only when Comprehensive coverage is provided. Other Coverage Options Extended Non-Owned Liability Coverage Liability and Personal Injury Protection is provided for use of any non-owned auto by the insured named in the policy, the spouse, or domestic partner legally recognized under Oregon Law, if a resident of the same household, or a resident relative who is furnished an auto for regular use. Extended Non-Owner coverage is not available to persons employed by a garage. The following options are available to the Named Insured or relative living in the same household:

• No underlying insurance for Named Insured and relative; • Underlying insurance for Named insured; • Underlying insurance for relative.

Please provide complete information regarding:

• The company name and policy number for the underlying policy covering the Named Insured or relative;

• The type of vehicle the insured usually drives; • Usage of vehicle; • All drivers in household.



Discounts Accident/Violation Free Discount This new and renewal driver discount applies when:

1. The rated driver does not have any chargeable at-fault accidents or any chargeable

violations during the preceding 12 consecutive months; and 2. There is prior insurance without a lapse in coverage during the preceding 12 consecutive

months. The driver discount is removed at renewal when the rated driver has a chargeable at-fault accident or a chargeable violation. Affinity Group Discount If the named insured, spouse or domestic partner, legally recognized under Oregon law, is an employee or member of a Home Office approved employer group or association they may be eligible for an Affinity Group Discount. The minimum group size is 10 employees or members.

Note: Only one of the group discounts may be applied to an individual’s policy. Anti-Theft Devices To qualify for a discount on Comprehensive coverage, the vehicle must be equipped with a hood lock which can be released only from the inside of the vehicle and a passive disabling device that disables 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.



Discounts (continued) Defensive Driver Discount This discount applies if the qualified driver is the rated driver of the vehicle and the following conditions are met: a. the principal operator of the vehicle is age 55 or older; b. has a completion certificate, dated within the most recent 36 months, certifying that he or

she has successfully completed a motor vehicle accident prevention course which meets criteria established by the Oregon Motor Vehicles Division; and

c. during the most recent 36 months has not been: (1) involved in an at-fault accident, or (2) convicted of, pleaded guilty or nolo contendere to, a moving traffic violation for which

points may be assigned against the insured’s drivers license. This discount will apply: a. to new and renewal policies with inception dates within the 36 month period following the

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

and c. only once to each such vehicle regardless of the number of operators with course

completion certificates. This discount does not apply if the insured is taking the course as a penalty, imposed by a court or other governmental entity, resulting from a moving traffic violation. Good Student Discount A. The applicable Good Student Classification applies provided:

1. The owner or operator is: a. at least 15 years of age and under 25 years of age; and b. a full-time high school student, community college student, four year college or

university student; or c. a graduate of an accredited community college or four year college or university in the

United States or Canada. 2. A copy of a grade report or a certified statement from a school official is presented to

Unigard indicating that the student has met at least one of the following requirements during the immediately preceding school semester or quarter: a. is in the upper 20% of his/her class scholastically; or b. maintains a “B” average, or its equivalent. If the letter grading system cannot be

averaged, then no grade can be below “B”; or c. when in 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; or e. showing a degree has been conferred upon the insured from an accredited community

college or four year college or university; or



Discounts (continued) Good Student Discount (Continued) B. Continued eligibility for this classification is based upon the following:

1. The owner or operator receiving the good student discount classification provides continued proof of eligibility, upon request from Unigard, by providing a certified statement as outlined in part A.2. above.

2. Once an insured or operator has provided proof of eligibility as a college graduate, no

further proof is needed.

3. The driver does not require an SR-22. Note: The discount is removed on the renewal after the insured reaches age 25. Multi-Car Discount A Multi-Car Discount applies if more than one private passenger auto is owned by an individual or owned jointly by two or more resident relatives and each auto is insured on the policy for liability. Antiques, Motor homes, Trailers and Miscellaneous Vehicles do not qualify for or enable other vehicles to receive this discount. Single Auto policies with Unigard are also eligible for the Multi-Car Discount when a private passenger auto is provided and insured by an employer for the personal use of our insured. The auto insured under the Unigard policy must be insured for liability coverage in order to be eligible for the Multi-Car Discount. Multi-Policy Discount A Multi-Policy Discount is applied if the primary named insured or the resident spouse, or resident domestic partner legally recognized under Oregon law, of the primary named insured is also a primary named insured on a homeowners, condo or renters policy written with us, or affiliates of our parent company QBE Americas, Inc. The discount does not apply to minors residing in the parent’s household unless the parent is listed on the policy as a Primary Named Insured. Paid In Full A discount will be applied when the policy premium is paid in full at the beginning of the policy term. The discount will not apply when a policy lapses and is reinstated. The discount will be removed if the payment is returned for non-sufficient funds. Proactive Customer This discount is applied when the initial quote is started eight days or more in advance of the policy effective date and there has not been a lapse in coverage. The primary named insured must be 19 or older. It is considered a quote after we have ordered the insurance bureau score. If the quote becomes older than 90 days before it is issued as a policy, we will reorder the insurance bureau score and the time period for Proactive will restart effective the date of the insurance bureau score.



Discounts (continued) Professional Group Discount A. A named insured, spouse or domestic partner legally recognized under Oregon law, who is

working full time in one of the professional groups listed below may be eligible for a Professional Group Discount. The discount is automatically applied to the final premium for all coverages.

B. Eligible Groups:

1. Engineering and Architecture

Below are examples of qualifying occupations:

• Aerospace Engineer • Engineering Assistant/Technician • Architect • Management of Engineering Technical Staff • Chemical Engineer • Mechanical Engineer • Drafter • Structural Engineer

2. Science


• Biochemist • Mathematician • Chemist • Statistician • Criminologist

3. Health Care


• Chiropractor • Optometrist • Dentist • Orthodontist • Health Care Administrator • Pharmacist • Licensed Practical Nurse • Physician’s Assistant • Medical Doctor/Physician • Psychiatrist/Psychologist • Medical or Dental Technician • Registered Nurse

4. Business and Financial


• Accountant/CPA • Insurance Agent or Broker • Auditor - Financial • Management of Professional Staff • Branch/Regional Management • Owner of Retail Enterprise • CEO/CFO/COO (Executive) – 5 full time employees minimum • Claims Adjuster • Personnel Management • Financial Analyst • Restaurant Owner

5. Legal

Below are examples of qualifying occupations: • Attorney/Lawyer • Judge



Discounts (continued) Professional Group Discount (Continued)

6. Technology

Below are examples of qualifying occupations: • Computer Scientist • Project Manager • Designer – Tech/Indust/Engineer • Software Analyst or Engineer • Management of Technical Staff • Systems Security • Military Officer • Technical Writer • Network Engineer/Administrator • Urban/Regional Planner • Programmer • Webmaster/Website Designer

7. Education

Insured must be a currently employed, full-time, educator or on the support staff of a public or private K-12 school or accredited college. Below are examples of qualifying occupations: • Audiologist • Teacher • Dean • School Counselor • Librarian • School Custodian • Principal • School Psychologist • Professor • School Speech Therapist All eligible insureds must be employees of the educational district or private school. Employees of independent contractors are not eligible. An example is a bus driver employed by Laidlaw Transit or other similar organization. Eligible colleges include accredited public and private four year colleges and community colleges. Also, the staff of career schools and colleges of technology, that are accredited by the Accrediting Commission of Career Schools and Colleges are eligible. Eligibility does not extend to part-time employees, volunteers or home school teachers. Also, staff of schools not accredited by one of the associations outlined above, are not eligible. Examples may include beauty schools, broadcasting schools and Montessori schools.

C. Eligibility Rules

1. Insured must be an employed full-time or member in good standing of the profession. 2. The discount applies to the policy of the professional. 3. All current underwriting rules for our Auto program apply. There are no special

underwriting rules for the Professional Group Discount.



Discounts (continued) Professional Group Discount (Continued)

4. Because the discount applies only to the professional’s policy, new policies created for

other household members are issued without the discount. The discount is not applicable when: a. A member of the household moves away and he or she is issued a separate policy. b. A new policy for anyone other than the professional is issued.

Note: We do not non-renew when an insured is no longer eligible for the discount. Either

the discount is removed, or a new, non-discounted policy is issued. D. Premium Determination

1. The discount will be applied to the auto policy premium and all additional premiums. 2. Only one Professional Group Discount may be applied to an individual’s policy.

Student Away at School A youthful single driver under age 25, who is a child of the named insured, will be given a discount on the auto that the student is assigned to if the following conditions are met: a. The student resides at an educational institution over 100 road miles from the auto’s place

of principal garaging: and b. The student does not have regular access to a covered vehicle while away at school. Miscellaneous Vehicles Antique Autos An antique auto is a motor vehicle of the private passenger type that 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. Antiques are eligible for the same limits and coverages as other autos but Antiques must have Comprehensive coverage. Our limit of liability for a partial loss will be the lesser of the: a. Actual cash value of the stolen or damaged property: or b. Amount necessary to repair or replace the property; or c. Maximum limit of liability shown in the Declarations. Our limit of liability for a total loss will be the amount shown for each Antique auto in the Declarations which is agreed to be the value of the covered auto.



Miscellaneous Vehicles (continued) Custom Autos A custom auto is a private passenger auto, van, sport utility vehicle, or pickup that has more than $5,000 in Custom Parts & Equipment. The stated amount cannot exceed $100,000 and values above $60,000 will be referred for approval. Custom Autos are eligible for the same limits and coverages as other autos. Our limit of liability for physical damage coverage will be the lesser of the: a. actual cash value of the stolen or damaged property: or b. amount necessary to repair or replace the property; or c. the stated amount limit. Motor Homes A motor home is defined as an individually owned motor vehicle used principally for recreational purposes and equipped with a living area that is an integral part of the vehicle chassis. The living area must consist of facilities for cooking and sleeping. Motor homes used for commercial purposes are not eligible. When Physical Damage Coverage is provided on the motor home, the motor home endorsement broadens the FlexAuto policy to include: a. Up to $150 emergency expenses. Emergency expenses include:

(1) Temporary living accommodations. (2) Transportation back to your residence. (3) Cost of returning your motor home to your residence.

b. Covered Property Coverage

Coverage is extended to cover awnings and cabanas, or equipment designed to create additional living facilities, at no additional charge. The value of these items must be added to the value of the motor home to determine the total amount of insurance needed. The same deductible applies.

Other provisions of this endorsement include amendatory wording necessary to make the FlexAuto policy suitable for Motor Homes. Once a year for a minimum of 30 days a motor home may be reduced to comprehensive coverage only if there is no Loss Payee or Lessor listed on the vehicle. Available Physical Damage Deductibles: Comprehensive: $100, $250, $750, $1500, and $2500 Collision: $250, $500, $750, $1500, and $2500 Special Towing and Labor Cost coverage is available for a motor home, which pays up to $400 for reasonable expenses each time a covered motor home is disabled. This coverage may be written only when Comprehensive coverage is provided. Note: Transportation Expense Coverage is not available.



Miscellaneous Vehicles (continued) Trailers and Campers We offer coverage for utility trailers, recreational trailers and horse trailers that are designed to be towed by and used with a private passenger automobile, pickup, SUV or van. We also offer coverage for Mounted Campers with this vehicle type. Coverage is not provided for a trailer or camper: a. Used for business purposes with other than a private passenger auto or owned pickup or

van; b. When no auto is owned by the insured; c. Located for use as a residence premises. Trailers and campers must be insured as separate items with separate premiums shown for each. The deductible applies separately to each trailer or camper. The following deductible options are available for trailers: Comprehensive: $50, and $100 Collision: $100, $200, and $250 Recreational Trailers are defined as non-self propelled recreational units equipped with living quarters (including cooking, dining, plumbing, and/or refrigeration facilities). To be eligible for coverage, the insured must maintain a separate and permanent residence other than the recreational trailer. Recreational trailers used as secondary residences are not eligible for coverage under a Personal Auto Policy. Note: Coverage is not provided on an “agreed value” basis. The amount shown in the

Declarations is not necessarily the amount paid at the time of loss or damage for the described property. Please refer to the policy, any attached endorsements and the Declarations for complete information about the coverages and limits provided.

Covered Property Coverage Coverage is extended to cover awnings and cabanas, or equipment designed to create additional living facilities, at no additional charge when physical damage coverage is provided on the recreational trailer. The value of these items must be added to the value of the recreational trailer to develop the total amount of insurance. The same deductible applies.



Miscellaneous Vehicles (continued) All Terrain Vehicles (Four Wheeled Only) An all-terrain vehicle is a four-wheel motor vehicle equipped with balloon tires and designed for use on rugged terrain. Unacceptable Vehicles (New and Renewal): a. ATVs that are chopped, reconstructed or used for exhibition, racing, delivery or hill climbs. b. ATVs used for any business use, other than farming or ranching. c. ATVs that are homemade, go-carts, dune buggies or not produced by original equipment

manufacturer. d. ATVs with accessories that exceed 50 percent of the basic ATV value. e. Leased or rental units, trikes, three wheeled units. The following coverages are available for ATVs: Liability, Uninsured Motorist Coverages, Medical and Comprehensive and Collision. Note: Coverage is not provided on an “agreed value” basis. The amount shown in the

Declarations is not necessarily the amount paid at the time of loss or damage for the described property. Please refer to the policy, any attached endorsements and the Declarations for complete information on the coverages and limits provided.

Note: Transportation Expense Coverage is not available. Golf Carts A golf cart is a three or four-wheel motor vehicle with limited speed capabilities designed to carry golfers and their equipment around a golf course. Note: Coverage is not provided on an “agreed value” basis. The amount shown in the


Note: Transportation Expense Coverage is not available. Snowmobiles A snowmobile is a motor vehicle designed for use principally on snow or ice, using wheels or crawler-type treads or belts for locomotion across land, ice or snow. This does not include a vehicle using airplane type propellers or fans. Note: Coverage is not provided on an “agreed value” basis. The amount shown in the


Note: Transportation Expense Coverage is not available.



General Rules Cancellation If a policy, vehicle or form of coverage is cancelled by either the company or the insured, the return premium will be computed pro rata. Backdated and flat cancellations will be honored if sufficient proof of replacement coverage is provided with the signed Lost Policy Release (LPR) and is otherwise appropriate. Changes a. All changes requiring premium adjustments shall be computed pro rata. b. If a policy, or a form of coverage that was cancelled from a policy at the request of the

insured is reinstated within 30 days, the premium will be the same as the amount that was returned at the time of cancellation.

Waiver of Earned Premium If an outstanding policy is amended and results in premium adjustments of $5 or less, the amount will be waived. Any return premium will be returned at the request of the insured. Policy Period No policy may be written for a period longer than 6 months. Suspension Of Coverage a. Under any policy providing just physical damage coverage, only Collision may be

suspended. b. Liability coverages may not be suspended for risks for which a financial responsibility filing is

in effect. c. Insurance may be suspended by endorsement in accordance with the following provisions

provided the period of suspension is at least thirty (30) consecutive days: (1) Insurance may be reinstated upon the named insured's request effective not earlier than

receipt of such request by us or any of our agents. (2) The reinstatement shall not extend the policy beyond its original expiration date. (3) Pro rate premium credit shall be granted for the period of suspension.

Whole Dollar Premium The premium for each exposure will be rounded to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving $.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. The phrase "each exposure" means each premium developed (after the application of all applicable adjustments) for: a. each auto, if written on a per car basis, and b. for all other auto business.

unigard insurance company · unigard insurance company 05/2011 . unigard insurance company . oregon...

Documents