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

WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 14.Extended Non-Owned CoverageA. EligibilityThe Extended Non-Owned Coverage endorsementmay be used for an individual who owns anauto but also drives borrowed or rented autos.Coverage may also be extended to the spouse ora party who has entered into a domesticpartnership with the named individual as definedin Rule 2.A.2.b and resident relatives of thatnamed individual.B. CoverageThe Personal Auto Policy (PAP) may be extendedto cover the following liability exposures:1. Vehicles Furnished Or Available For RegularUse Except As Public Or Livery ConveyancesUnder the liability coverage section of thePAP, coverage is not provided for non-ownedvehicles furnished or available for regularuse. By choosing liability coverage under theExtended Non-Owned Coverage – VehiclesFurnished Or Available For Regular Useendorsement, liability coverage affordedunder the basic PAP may be extended tocover vehicles furnished or available forregular use except vehicles furnished for useas public or livery conveyances.2. Vehicles Furnished Or Available For Use AsPublic Or Livery ConveyancesREFER TO COMPANY – DO NOT BINDUnder the liability coverage section of thePAP, coverage is not provided for non-ownedvehicles furnished or available for use aspublic or livery conveyances. By choosingliability coverage under the Extended Non-Owned Coverage – Vehicles Furnished OrAvailable For Use As Public Or LiveryConveyances endorsement, liability coverageafforded under the basic PAP may beextended to cover this exposure.Primary liability insurance must be in effectfor any non-owned vehicles furnished oravailable for use as public or livery conveyances.3. If liability coverage is extended under theExtended Non-Owned Coverage – VehiclesFurnished Or Available For Regular Useendorsement or the Extended Non-OwnedCoverage – Vehicles Furnished Or AvailableFor Use As Public Or Livery Conveyancesendorsement, Medical Payments coveragemay also be similarly extended.If medical payments insurance is provided,primary medical payments insurance mustbe in effect for any non-owned vehicles furnishedor available for use as public or liveryconveyances.C. RatingLiability and Medical Payments CoverageCharge the following percentage of the applicablepremiums that would apply as if the insuredowned the auto being covered, using thepremium determination procedures set forth inRule 3. Premium Determination:1. Vehicles Furnished Or Available For Regular UseExcept Vehicles Furnished For Use As Public OrLivery ConveyancesPrimary Liability/Medical Payments Insurance In EffectPercentagePerson(s) NamedChargedNamed Individual 12%Named Individual and Resident Relatives(including Named Individual’s Spouse or party13%who has entered into a domestic partnershipas defined in Rule 2.A.2.b.)No Primary Liability/Medical Payments Insurance In EffectPercentagePerson(s) NamedChargedNamed Individual 90%Named Individual and Resident Relatives(including Named Individual’s Spouse or party100%who has entered into a domestic partnershipas defined in Rule 2.A.2.b.)2. Vehicles Furnished Or Available For Use AsPublic Or Livery ConveyancesPrimary Liability/Medical Payments Insurance In EffectPercentagePerson(s) NamedChargedNamed Individual 50%Named Individual and Resident Relatives(including Named Individual’s Spouse or party60%who has entered into a domestic partnershipas defined in Rule 2.A.2.b.)1-1-2010 PA-19 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.