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

WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 4.Classification and Rating Factors (cont’d)This discount shall not apply to a vehicleclassified and rated under the MiscellaneousTypes Rule (i.e., motorhomes, golf carts, etc.).g. Multi-Policy DiscountA multi-policy discount of 10% shall applyto all private passenger auto coverages ifan eligible homeowner policy is writtenwith Western National Mutual Insurance.(1) To be eligible for the credit, both theauto and the homeowner policy mustbe written for the same namedinsured and under the same accountnumber.(2) If the homeowner policy is cancelled,the credit will be removedfrom the auto policy at the next renewal.(3) If the homeowner policy is writtenafter the effective date of the autopolicy, the discount will apply on thenext renewal.(4) Seasonal homeowner policies anddwelling property policies do NOTqualify as eligible homeowner policies.(5) The credit is not applicable to motorhomes, recreational trailers, or utilitytrailers.h. Loyalty DiscountWhen a policy for a Named Insured orfamily member has been continuously inforce, without lapse, with WesternNational for at least 3 years, a loyaltydiscount applies to all vehicles on thepolicy. If an insured driver is rewritten toa separate policy, this discount willcontinue.PolicyDiscountNew policy 0%1 st year anniversary 0%2 nd year anniversary 0%3 rd year anniversary 3%4 th year anniversary 3%5 th year anniversary 3%6 th year anniversary and after 5%i. TOTAL BASE PREMIUM is the sum ofthe base premium for Bodily Injury andProperty Damage Liability, MedicalPayments, Comprehensive and Collisioncoverages that apply to the auto.4. Driver TrainingThe rates and rating classifications automaticallyreflect drivers training.5. Good StudentThe applicable Good Student classificationapplies provided:a. The owner or operator is:(1) Rated as an operator, and(2) A full time high school, college oruniversity student or enrolled in avocational-technical institute.(3) Is under 25 years of age.b. A certified statement (refer to companyfor form) from a school official is presentedto the Company on each renewaldate of the policy indicating that thestudent has met one of the followingrequirements during the immediatelypreceding school semester (or comparableperiod).(1) Is in the upper 20% of his/her classscholastically, or(2) Maintains a “B” average, or its equivalent.If the letter grading system cannot beaveraged, then no grade can bebelow a “B”.(3) When in a school maintaining anumerical grade, must have at leasta 3 in a 4, 3, 2, 1 point system or itsequivalent.(4) Student is included in a “Dean’s List”“Honor Roll” or comparable listindicating scholastic achievement.A newly rated YOUTHFUL OPERATORwill be eligible for the Good StudentCredit with proof of academic standing.This discount shall not apply to a vehicleclassified and rated under the MiscellaneousTypes Rule (i.e. motorThe discount applies to the policyhomes, golf carts, etc.)premium.1-1-2013 PA-9 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.