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

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WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualPRICE/SYMBOL CHARTComprehensive and Collision2011 and Subsequent Model YearsPrice New BracketPrice New BracketSymbol Minimum Maximum Symbol Minimum Maximum1 $ 1 – $ 3,000 37 31,001 – 32,0002 3,001 – 5,500 38 32,001 – 33,0003 5,501 – 8,000 39 33,001 – 34,0004 8,001 – 9,000 40 34,001 – 35,0005 9,001 – 10,000 41 $ 35,001 – $ 36,0006 10,001 – 11,000 42 36,001 – 37,0007 11,001 – 12,000 43 37,001 – 38,0008 12,001 – 13,000 44 38,001 – 39,00010 13,001 – 14,000 45 39,001 – 40,00011 14,001 – 15,000 46 40,001 – 41,25012 15,001 – 15,625 47 41,251 – 42,50013 15,626 – 16,250 48 42,501 – 43,75014 16,251 – 16,875 49 43,751 – 45,00015 16,876 – 17,500 50 45,001 – 46,25016 17,501 – 18,125 51 46,251 – 47,50017 18,126 – 18,750 52 47,501 – 48,75018 18,751 – 19,375 53 48,751 – 50,00019 19,376 – 20,000 54 50,001 – 52,50020 20,001 – 20,625 55 52,501 – 55,00021 20,626 – 21,250 56 55,001 – 57,50022 21,251 – 21,875 57 57,501 – 60,00023 21,876 – 22,500 58 60,001 – 65,00024 22,501 – 23,125 59 65,001 – 70,00025 23,126 – 23,750 60 70,001 – 75,00026 23,751 – 24,375 61 75,001 – 80,00027 24,376 – 25,000 62 80,001 – 85,00028 25,001 – 25,625 63 85,001 – 90,00029 25,626 – 26,250 64 90,001 – 95,00030 26,251 – 26,875 65 95,001 – 100,00031 26,876 – 27,500 66 100,001 – 110,00032 27,501 – 28,125 67 110,001 – 120,00033 28,126 – 28,750 68 120,001 – 130,00034 28,751 – 29,375 69 130,001 – 140,00035 29,376 – 30,000 70 140,001 – 150,00036 30,001 – 31,000Vehicles will automatically be resymbolled on the renewal reflecting the most currentsymbol as developed by ISO.1-1-2010 PA-13 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 12.Miscellaneous CoveragesA. Uninsured Motorists Coverage1. OwnersThis form of coverage may be afforded only ifBodily Injury Liability coverage has beenpurchased.If this form of insurance is purchased it mustapply to all vehicles on the policy.a. Basic LimitsThe rates shown on the Rate Pages arethe minimum limits available and are thefinancial responsibility law limits of thestate.Attach Uninsured Motorist Coverageendorsement.b. Increased LimitsIncreased Limits may be afforded butmay not be in excess of the Bodily InjuryLiability limits on the policy. Rates areshown on the Rate Pages.c. RatesThe rates are not subject to classificationrating or modification by any rating planand are displayed on the appropriateRate Pages.2. Non-OwnersIf a named non-owner policy is extended toafford Uninsured Motorists coverage, the ratefor such extension of coverage shall be theapplicable single car rate shown on theappropriate Rate Pages for Uninsured Motorist.REFER TO COMPANYB. Underinsured Motorist Coverage1. Ownersa. Basic LimitsProtection for this coverage up to the FinancialResponsibility law limits isprovided under the Uninsured MotoristsCoverage endorsement.b. Increased LimitsIncreased limits of Underinsured Motoristscoverage may be afforded underthe following conditions:(1) Only if increased limits UninsuredMotorists Coverage is afforded.(2) Increased limits Uninsured and UnderinsuredMotorists insurance mustbe afforded at the same limits.(3) Underinsured Motorists Coveragemust apply to all vehicles insuredunder the policy.(4) The Underinsured Motorists Coverageendorsement must be attached.c. Rates(1) Rates are displayed on the RatePages.(2) Rates are not subject to classificationrating or modification by any ratingplan.(3) Attach Underinsured Motorist Coverageendorsement.2. Non-OwnersIf a named non-owner policy is extended toafford Underinsured Motorists coverage, therate for such extension of coverage shall bethe applicable rate shown on the appropriateException Pages for Underinsured Motorist.REFER TO COMPANYC. Deductible Insurance1. Deductible Liability InsuranceIs not available for vehicles classified andrated according to the rules of this manual.2. Comprehensive Deductibles For Which NoPremium Is ShownComprehensive coverage must be written ona deductible basis.Refer to the applicable Exception Pages todetermine the appropriate factor.3. Collision Deductibles For Which No Premiumis ShownCollision coverage must be written on adeductible basis.Refer to the applicable Exception Pages todetermine the appropriate factor.1-1-2010 PA-14 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.
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