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

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WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 2.Personal Auto Policy – Eligibility (cont’d)C. A Personal Auto Policy shall be used to affordcoverage to motor homes and golf carts (licensedfor road use) if:1. They are written on a specified vehicle basis;2. They are owned by:a. An individual;b. A husband and wife;c. Parties who have entered into a domesticpartnership as defined in Rule 2.A.2.b;c. A vehicle owned by a trust, in which thegrantor is a corporate entity, is not eligibleunder the Personal Auto Programbut may be written under a commercialauto policy.2. EndorsementAttach the Trust endorsement PP 13 03 tothe policy.ExceptionExposures mentioned above may be writtenunder a commercial auto policy when combinedwith a commercial risk. Refer to the CommercialAuto Programd. Two or more relatives other than:(1) Husband and wife; or(2) Parties who have entered into adomestic partnership as defined in Rule2.A.2.b; ore. Two or more resident individuals; and3. Coverage is limited in accordance with theMiscellaneous Type Vehicle endorsement PP03 23.D. A Personal Auto Policy shall be used to affordcoverage to a named individual who does notown an auto. The Named Non-Owner Coverageendorsement PP 03 22 must be attached.REFER TO COMPANYE. A Personal Auto Policy shall be used to affordcoverage to:1. Private passenger autos and motor vehiclesconsidered as private passenger autos inRule 1.; and2. Motor homes, golf carts or other similar typesof vehicles;if title to the vehicle(s) has been transferred to atrust, subject to the following requirements:1. Requirementsa. The grantor of the trust must be:(1) An individual or a husband and wife;and(2) The only named insured(s) shown inthe Declarations.b. All vehicles insured under the policy mustbe owned by the trust.Rule 3.Premium DeterminationBodily Injury Liability and Property Damage Liability,Medical Payments, Comprehensive and Collision premiumsare determined as follows:A. Refer to the Classification Rule to determine theapplicable Classification, Rating Factor(s) andStatistical Code.B. Model Year and Symbol Determination1. Refer to the Model Year/Age Group Rule todetermine the model year/age of the autoand refer to the Symbol and IdentificationManual for the appropriate symbol of theauto.2. If no Rating Symbol is shown in the Symboland Identification Manual, use the followingprocedure to determine an interim ratingsymbol.a. All Model Years Except 2011(1) If the Symbol and IdentificationManual displays a rating symbol forthe PRIOR MODEL YEAR version ofthe same vehicle, use the priormodel year’s Rating Symbol for thenew model year vehicle.(2) If the Symbol and IdentificationManual does not display a ratingsymbol for the PRIOR MODELYEAR version of the same vehicle orit is a new model, assign a symbolbased on the cost new of the auto,using the Price/Symbol Chart locatedin Rule 11. of this Manual.1-1-2010 PA-3 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 3.Premium Determination (cont'd)b. Model Year 2011(1) For Model Year 2011 only, if the Symbol and Identification Manual displays a rating symbol for the priormodel year of the same vehicle, convert Rating Symbols from the Model Year 2010 27-Symbol Table tothe Model Year 2011 75-Symbol Table as follows:2010Rating Symbol2011ComprehensiveRating Symbol2011CollisionRating Symbol2010Rating Symbol2011ComprehensiveRating Symbol2011CollisionRating Symbol1 2 2 15 25 252 3 3 16 28 283 4 4 17 31 314 5 5 18 35 355 6 6 19 37 376 8 8 20 41 417 10 10 21 44 448 11 11 22 48 4810 13 13 23 52 5211 15 15 24 56 5612 17 17 25 59 5913 19 19 26 61 6114 21 21 27 See Paragraph below(2) If the Symbol and Identification Manual doesnot display a rating symbol for the PriorModel Year version of the same vehicle, orthe Prior Model Year is 2010 and the Symboland Identification Manual displays a ratingsymbol of 27 for that vehicle, assign asymbol based on the cost new of the auto,using the Price/Symbol Chart located in Rule11. of this Manual.C. Refer to the Exception Pages to determine thesymbol factors for Comprehensive and Collisioncoverages.D. Refer to Territory Definitions to determine theterritory code for the location where the auto isprincipally garaged.NOTEWhen a risk is statutorily required to have, or iseligible for, a coverage that is not available in theterritory of principal garaging, use the registrationaddress to determine the territory for thatcoverage.E. Refer to the applicable Rate Pages to determinebase rates for the desired coverage for theappropriate territory.F. When a surcharge is applicable under the CertifiedRisk - Financial Responsibility Laws Rule,the surcharge is to be applied to the liabilitypremium determined by the foregoing provisions.1-1-2010 PA-4 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.
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PL - IA 01/01/2013 Rates and Manuals - Western National Insurance ...

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