PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

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Western National Insurance GroupInstructions To AgentsIn the performance of your duties as Agent of one or more companies of the Western NationalInsurance Group, you should be guided by the following instructions, together with any additionalinstructions given in the future.1. Policies are to be written at rates, and in accordance with rules and underwriting informationauthorized and published by the Company.2. Applications, policy orders, daily reports and binders shall be forwarded no later than fiveworking days following acceptance of each risk.3. Company policies and all forms attached must read concurrently with other insurance on thesame risk.4. Where coverage is reduced under a policy, the endorsement must be signed by all parties atinterest to the policy. The Agent shall furnish written notice to the policyholders in regard to allreductions of coverage when initiated by the Company.5. When the Agent, for any reason, is unable to disburse to a policyholder any dividend credited tothe Agent by the Company, the dividend shall be returned to the Company.6. All policies ordered canceled (either by the Company or the Agent), or reported canceled,spoiled or "not taken", or mutilated, should be promptly returned to the Company's office. Copiesof numbered daily reports on spoiled or mutilated policies should also be returned. If canceledpolicy cannot be found, the Agent must secure a Lost Policy Receipt signed by all parties atinterest to the policy. If a new policy is issued canceling and replacing another policy or a binder,the new policy shall so state.7. Flat cancellation of policies or binders shall be accomplished in accordance with the Company'sspecified instructions in the manual for each class of policy. Where no such instructions havebeen issued, flat cancellation must be effected not later than 30 days after the effective date ofthe insurance. The rules and regulations of the rating bureau having jurisdiction shall be usedwhen the permitted time is less than that stated above. The Agent shall not be entitled to creditfor flat cancellation of any policy on which a loss has been sustained by the Company; nor shallthe Agent be entitled to credit for any cancellation until satisfactory proof of the cancellation isfurnished to the Company.8. In the event of loss, immediately notify the Company or the adjuster designated by the Company.Occurrences, which might result in a liability claim against an insured, must be reportedimmediately by phone or fax. This must be done even though Agent may have reason to believethat no claim will in fact be made. The report should include any reasons for the guidance of theclaims adjuster. All reporting should include the name of the insured, policy number, and Agent'srecord of applicable coverage. Give all essential details as to the kind of accident or loss andidentity of the parties involved. Do not commit the Company in any manner, or adjust losseswithout special instructions from the Company.Mutual Underwriting Information – October 2012 Page 8
Western National Insurance GroupPersonal Automobile Program GuidelinesThese Automobile Acceptability Guidelines are designed for the selection of a preferred,quality customer and household. Because these are guidelines, the Underwriter has theauthority to grant exceptions, when unique characteristics about the applicant permit anexception. Please call your Underwriting Team if you have any questions about theguidelines or if you want to discuss a specific risk before submitting an application.Rule (Per Household) Single Car Risk Multi Car RiskMajor Violations 1.No violations in 5 years No violations in 5 yearsMinor Violations(Drivers with less than 3 yearsdriving experience may nothave any violations.)NO VIOLATIONS INMONTHS 0-121 VIOLATION INMONTHS 13-36No violations in months 0-121 violation in months 13-241 violation in months 25-36At-Fault Accidents 2. No accidents in months 0-12(Drivers with less than 3 years 1 accident in months 13-36driving experience may nothave any accidents.)Total Incidents 3. No incidents in months 0-12Maximum of 1 incident in 3yearsNo accidents in months 0-121 accident in months 13-36No incidents in months 0-12Maximum of 2 incidents in 3years1.Major Violations: includes careless or reckless driving; hit and run; leaving the scene of anaccident; driving under the influence of alcohol or any chemical including “implied consent”; openbottle; any alcohol, controlled substance or drug related violation; driving without insurance; drivingafter license suspension or revocation; a no-fault conviction; a school bus violation; anymisdemeanor violation; a felony involving the use of a motor vehicle; or a similar serious conviction.2.At-Fault Accidents: for new business acceptability, is defined as any incident in which the insuredwas 50% or more negligent, regardless of whether or not a claim payment was made.For accidents when the applicant is not at-fault, provide documentation showing that the applicantwas not at-fault such as a police report or documentation from a prior carrier.3.Incident: for new business acceptability, is defined as any moving violation or any at-fault accident.This does not include comprehensive and towing losses. For rating and underwriting, our companywill use the date the violation occurred.NOTE: The frequency of Comprehensive (OTC) losses and/or Towing claims may impact coverageor deductible availability. Please contact your Underwriting Team to discuss questionable risksbefore submitting. Underwriting reserves the right to decline such risks or require higher physicaldamage deductibles to make such risks acceptable.Mutual Underwriting Information – October 2012 Page 9
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