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

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WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 16.Miscellaneous Types (cont'd)B. Trailers and Camper Bodies Designed for Usewith Private Passenger Autos and Pickups1. LiabilityA Personal Auto Policy affording liabilitycoverage covers trailers designed for usewith a private passenger auto, pickup or van,and camper bodies designed for use with apickup without additional premium chargeand without specific description of the traileror camper body.ExceptionsCoverage is not provided for a trailer orcamper body:(1) Used for business purposes, or(2) When no auto is owned by the insured.2. Medical PaymentsA Personal Auto Policy affording medicalpayments coverage covers trailers designedfor use with a private passenger auto, pickupor van, and camper bodies designed for usewith a pickup, without additional premiumcharge and without specific description of thetrailer or camper body.ExceptionsCoverage is not provided for a trailer orcamper body:(1) Used for business purposes,(2) When no auto is owned by the insured,or(3) Located for use as a residence orpremises.3. Liability And Medical PaymentsLiability and Medical Payments Coverage isafforded without additional premium chargefor farm wagons and farm implements whenattached to a private passenger auto, pickupor van.4. Physical DamageTrailers and camper bodies are to be insuredas separate items with separate premiumsshown for each unit. The deductible appliesseparately to each unit. Attach the applicableendorsement.NOTECoverage is not provided on an “agreedvalue” basis.5. Recreational Trailers and Camper Bodiesa. A recreational trailer is a non-self-propelledrecreational unit equipped as livingquarters, including cooking, dining,sleeping, plumbing or refrigerationfacilities.b. A camper body is a non-self-propelledunit designed to be transported by apickup, with or without cooking, dining,sleeping, plumbing or refrigeration facilities.To be eligible for coverage, the insured mustmaintain a separate and permanentresidence other than the recreational traileror camper body.Comprehensive and Collision - Use MotorHome rates. Refer to Rule 16.A.3.Covered Property Coverage - Refer to16.A.4.6. All Other TrailersFor rates, refer to the applicable ExceptionPages.NOTESnowmobile and boat trailers are to be insuredunder the Homeowner Program.C. Motorcycles, Mopeds, Motorscooters andMotorbikesREFER TO SPECIALTY MARKETSD. SnowmobilesREFER TO HOMEOWNERS PROGRAM3-1-2011 PA-21 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.
WESTERN NATIONAL MUTUAL INSURANCEPersonal Automobile ManualRule 16.Miscellaneous Types (cont’d)E. All-Terrain VehiclesREFER TO SPECIALTY MARKETSF. Dune Buggies / Kit CarsREFER TO SPECIALTY MARKETSG. Golf Carts (licensed for road use)A golf cart is a three or four wheel motor vehiclewith limited speed capabilities designed to carrygolfers and their equipment around a golf course.Attach the Miscellaneous Type Vehicle endorsementPP 03 23.1. LiabilityCharge 25% of the Private Passenger baserate.2. Physical DamageRefer to the appropriate Exception Pages.H. Classic and Antique AutosCoverage NOT available - DO NOT BINDREFER TO SPECIALTY MARKETSRule 17.Rating TerritoriesRule 17. is replaced by the following:A. The Rate Pages display rates by territory.B. A rating territory is a geographical area defined interms of U.S. Postal Service (USPS) ZIP codes,as shown on the Territory Definitions Pages.1. Determine the applicable rating territorybased on the ZIP code of the location ofprincipal garaging of the vehicle. If the ZIPcode of the mailing address differs from theZIP code of the location of principal garaging,use the ZIP code of the garaging location toassign the rating territory.2. As ZIP code boundaries are changed by theUSPS, a new ZIP code may be created. Ifthis new ZIP code is not yet listed in theTerritory Definitions, use the ZIP code thatformerly applied to the risk before the ZIPcode boundaries were changed in order todetermine the rating territory for a risk locatedin the new ZIP code.3. Future USPS Zip code changes will be reflectedin ISO’s territory definitions in accordancewith the ISO ZIP Code Territorymaintenance procedures on the file with theInsurance Department. Manual pages will beupdated on a regular basis to reflect futureZIP code changes.Rule 18.Insurance Score DiscountThe highest insurance score of a Named Insured,spouse, or parent of a single youthful receiving the FamilyDiscount (if a resident of the same household) shalldetermine the Insurance Score Discount that applies tothe policy premium. An insurance score shall be reorderedevery year, and any change in the discount shallbe applied upon renewal. In the event of a reduction ofthe insurance score upon reordering, tier reassignmentshall be limited to a maximum of two tiers. If a revisedinsurance score is reported to the Company resultingfrom a discrepancy or error in the insured’s credit history,the discount will be revised with the adjusted premiumeffective at inception of the new or renewal policy.InsuranceTier Score DiscountE2 816 & Over 45%E1 777 – 815 40%V2 749 – 776 35%V1 716 – 748 30%G2 696 – 715 25%G1 668 – 695 19%A2 638 – 667 13%A1 602 – 637 7%S2 559 – 601 5%S1 558 & Below 0%If no insurance score is available, the Insurance ScoreDiscount will not apply.3-1-2011 PA-22 General RulesIncludes copyrighted material with permission of Insurance Services Office, Inc.
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