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

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.