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

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CampersA pickup camper is to be listed as a separate unit and will develop an appropriate premium chargebased on its original cost new and current stated amount.Motor HomesMotor homes will be listed as a separate unit and will develop an appropriate premium charge basedon stated amount.Covered Property CoverageTV antennas, awnings, and cabanas or equipment designed to create additional living facilities arenow covered with the elimination of the "covered property exclusion".Antique, Collector, & Modified Vehicles (dune buggies, hot rods, kit cars, etc.)DO NOT BIND – Vehicles such as these should be placed with the specialty markets.Consumer ReportsPlease inform the applicant/insured that as a part of our normal procedure for processingapplications, a consumer report may be made into their insurability. They also have a right to seethe report and must contact the reporting company for the information developed. Should somethingcome to the attention of the company that was not disclosed on the application, the policy could besubject to cancellation or alteration. Credit reports will be ordered on every personal autoapplication. See attached Exhibit D, Standards For Use of Credit Information or Insurance Scores.Miscellaneous CoveragesWestern National offers several optional coverages - (Rule 12.)• Towing and Labor Cost Coverage• Audio, Visual, and Data Electronic Equipment Coverage• Tapes, Records, Discs and other Media Coverage• Auto Loan/Lease Coverage• Increased Rental Reimbursement• HELP (Highway Emergency Loss Protection)Internal Limits up to:- $60 per day / $1500 maximum for Temporary Transportation Expenses (previously referred toas Rental Reimbursement)- $150 for Roadside Assistance Coverage- $750 for Trip Interruption Coverage- Air Bag Replacement• New Vehicle Replacement Cost Coverage• Trip Interruption CoverageMutual Underwriting Information – October 2012 Page 12
Available Discounts And CreditsWestern National offers many ways to tailor the automobile coverage:• Multi-Car, Family & Corporate Discounts – Up to 25%• Multi-Policy Discount :IA Auto – 5% Home – 15%MN Auto – 5% Home – 5%SD Auto – 5% Home – 5%WI Auto – 5% Home – 5%• Good Student Discount – Up to 25%• Motor Vehicle Accident Prevention Course Discount – MN-10%; SD-5%• Anti-Theft Protection Device Discount – 5%• Insurance Score Discount• Common Loss Deductible• Multiple Deductible Options• Loyalty DiscountMutual Underwriting Information – October 2012 Page 13
Page 3 and 4: Direct Billing Guidelines 3________
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Page 19 and 20: AgentsOnlineThe broad name for all
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Page 33 and 34: LossesPrior loss history is very im
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Page 39 and 40: Exhibit DStandards for Use of Credi
Page 41 and 42: Can I do anything to improve my ins
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