Occidental Fire & Casualty Company of North Carolina ...Page 1 of 1 Occidental Fire & Casualty...

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Occidental Fire & Casualty Company of North Carolina

MASSACHUSETTS ENDORSEMENT – M-0108-S

Personal Vehicle Sharing Exclusion

We will not pay any claim for injury or property damage under the policy, while your

auto is being used in a personal vehicle sharing program. Such programs allow the use

of your auto by a person other than you or a household member under an agreement

and with payment to you. This exclusion does not apply to Personal Injury Protection

(Part 2).

(Ed. 10-13)

Occidental Fire & Casualty CompanyOccidental Fire & Casualty CompanyOccidental Fire & Casualty CompanyOccidental Fire & Casualty Company of North Carolinaof North Carolinaof North Carolinaof North Carolina

Personal AutomobilePersonal AutomobilePersonal AutomobilePersonal Automobile

Rule & Rate GuideRule & Rate GuideRule & Rate GuideRule & Rate Guide

MASSACHUSETTS

New BusinessNew BusinessNew BusinessNew Business :::: MarchMarchMarchMarch 9999, 2015, 2015, 2015, 2015 Renewal BusinessRenewal BusinessRenewal BusinessRenewal Business :::: AprilAprilAprilApril 10101010, 2015, 2015, 2015, 2015

Customer Service: 800-233-1880

Claims Service: 800-223-5994

Occidental Fire & Casualty CompanyOccidental Fire & Casualty CompanyOccidental Fire & Casualty CompanyOccidental Fire & Casualty Company

P.O. Box 13119, Scottsdale, AZ 85267P.O. Box 13119, Scottsdale, AZ 85267P.O. Box 13119, Scottsdale, AZ 85267P.O. Box 13119, Scottsdale, AZ 85267----3119311931193119

OCCIDENTAL INSURANCE

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Occidental Fire & Casualty Company of North Carolina March 9, 2015

Index

Accidents ............................................................................................................................................ 13

Additional Coverages ........................................................................................................................ 19

Additional Interest .............................................................................................................................. 4

Anti-Fraud Hot Line ........................................................................................................................... 2

Billing Information and Procedures ............................................................................................... 10

Binding Authority & Supporting Documentation .......................................................................... 3

Cancellations ........................................................................................................................................ 6

Changes/Endorsements ..................................................................................................................... 5

Company Codes .................................................................................................................................. 3

Contact Information ........................................................................................................................... 2

Discounts ........................................................................................................................................... 15

Driver Assignment .............................................................................................................................. 7

Driver Class Definitions ..................................................................................................................... 8

Driver Exclusions................................................................................................................................ 7

Driver Rating Points ......................................................................................................................... 12

Endorsement Forms ......................................................................................................................... 19

Fees ..................................................................................................................................................... 11

Financial Responsibility Filings ......................................................................................................... 5

Glass .................................................................................................................................................... 19

Massachusetts Registry of Motor Vehicles ...................................................................................... 9

Misrepresentation ................................................................................................................................ 4

Permit Status Rating ........................................................................................................................... 8

Processing Rules and Information .................................................................................................... 3

Reinstatements ..................................................................................................................................... 6

Renewals ............................................................................................................................................... 6

Risk Acceptability .............................................................................................................................. 12

Road Protection Coverage ............................................................................................................... 19

Surcharges .......................................................................................................................................... 16

Territory Definitions ......................................................................................................................... 20

Unacceptable Risk ............................................................................................................................. 17

Underwriting Criteria ........................................................................................................................ 12

Vehicle Use ....................................................................................................................................... 18

Violations .......................................................................................................................................... 14


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The following information and procedures for the sale and servicing of insurance policies with Occidental Fire & Casualty will address most processing situations. When special circumstances or questions arise, please contact our office for assistance.

CONTACT INFORMATION

Policy Processing All applications for insurance are submitted through the Occidental agent internet site:

www.occiagent.com Billing, Customer Service and Underwriting Phone: 800-233-1880 Fax: 866-833-8240 Mail: P.O. Box 13119, Scottsdale, AZ 85267-3119 Email: [email protected] Claims Phone: 800-223-5994 Fax: 954-753-0668 Mail: P.O. Box 8487, Coral Springs, FL 33075-9867 Email: [email protected] Anti-Fraud Hotline Phone: 866-646-5310


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PROCESSING RULES & INFORMATION

Company Code NAIC: 23248 Binding Authority & Supporting Documentation

1. Applications for insurance are accepted via the OcciAgentsm web site. Any exception must be

approved beforehand by the Company. 2. Applications are effective at the date and time of completion on the web site. If an effective

date of no more than 24 hours prior to upload or a future date are required then that date must be entered.

3. We expect and require agents to physically inspect all vehicles and document any existing damage (including glass) prior to submitting an application that includes physical damage coverage in accordance with 211 CMR 94.00. A completed vehicle inspection form or two (2) photographs showing all four (4) sides of the vehicle will meet this requirement and protect your interests.

4. The Binding Authority also applies to requests to change or add coverage(s), driver(s), or

vehicle(s).

5. OcciAgentsm is designed to address nearly all the acceptable risks and situations that we will insure. Occasionally, there may be a risk or situation that you feel is acceptable which OcciAgentsm will not allow. In those instances, please contact underwriting to discuss the issue.

6. If there are any questions regarding the acceptability of a risk, please call the Underwriting Department prior to submitting.

7. Please remember to obtain all necessary signatures and documents when you complete a new business application or make policy changes, and retain them in your files. According to our Producer’s Agreement, signed by both your agency principle and Occidental Fire & Casualty when you became licensed to sell Occidental Fire & Casualty, you are responsible for producing all correctly completed signature forms/proof documents upon our request. Should a claim arise and requested documents are not available, an E&O exposure will exist. Your Producer Agreement also contains other information regarding retention of policy documents.

8. The entire application must be completed. If any area of the application does not apply, then

“N/A’s”, “None”, or similar indication must be shown.


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9. Original signatures for both the applicant and the agent are required. Power of Attorney signatures will not be accepted.

10. Occidental personal automobile policies may not be used to insure commercial entities,

Corporations, business names, company names, and “DBA’s” may not be listed as Named Insured or additional interest. We will not provide certificates of insurance to third parties.

11. The agent must ask the applicant ALL QUESTIONS on the application, clearly explaining the

importance of providing accurate information. The agent must also have the applicant read the Applicant’s Statement. If the applicant cannot read the statement, the agent should arrange for a third party to read or translate information to the applicant.

12. Pursuant to MA General Laws –Part 1/Title XV/Chapter 110G/Sections 4-11, Occidental

Insurance agrees to accept electronic signatures on applications. The agent is also responsible for complying with all requirements in the General Laws that pertain to electronic signatures.

Additional Interests Lienholders and co-owners of a vehicle insured under an Occidental personal automobile policy may be included for coverage and listed on the Declarations. The named insured’s employer or a business owned by the named insured may not be included as additional interests. Certificates of Insurance will not be issued Misrepresentation of Risk The applicant has a responsibility and an obligation to truthfully and fully answer the questions on the application for insurance. Any misrepresentations on the application may render the policy null and void and could result in the denial of claims. If material misrepresentation is determined, the policy may be rescinded (no coverage afforded), the required notice will be sent to the Registry of Motor Vehicles and all premiums may be returned to the applicant.


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Financial Responsibility Filings The Named Insured, and immediate family members of the household that are listed as drivers on the application, are eligible for a SR22 form. Filings will be made for the state of residence and Maine only. A fee will be charged for processing the financial responsibility filing. The necessary information for the financial responsibility filing must be provided, including:

- the first, middle, and last name for each person that needs a SR22 form; - date of birth; - Social Security number; - state case number, if one has been assigned.

Changes/Endorsements 1. All change requests should be completed and uploaded to the Company the same day through

the Company’s website. DO NOT MAIL. Change requests will be processed by the Company only when they are uploaded. Contact the Company if an exception is needed.

2. All premium adjustments reflect the rates and rules in force at the time of the policy or the latest renewal effective date and are calculated pro-rata.

3. Mid-term premium adjustments are made as a result of change in address, vehicles, drivers,

coverage, etc. Mid-term premium adjustments are not made as a result of a change in points or driving experience on existing drivers.

4. An information sheet will print following the upload of the endorsement, stating what

information, if any, that needs to be submitted to the Company for completion of the endorsement (e.g. exclusion forms, rejection forms, etc).

5. Changes which result in an increase in policy premium must be uploaded with the requested

immediate payment amount that is calculated and displayed by the OcciAgentsm system.

6. Reduction or deletion of coverage requires the policyholder’s signature on the Selection/Rejection form.

7. Suspension of coverage is not permitted.

8. Changes to correct a policy will be honored for the current policy term only.


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Policy Renewal Policies may be re-underwritten at the time of renewal to reflect changes in driver experience and the status of driving records. Renewals will be classified and rated in accordance with the underwriting and rate guide in use at the time of renewal. The Company will send eligible policyholders an offer to renew their policies approximately 30 days before the policy expiration date. Policies will be renewed for each policyholder who makes payment for the amount billed on or before the expiration date of the policy. Policies on which the renewal payment is postmarked up to and including 20 days after the policy expiration date may be renewed the day after postmark or on the day of upload. Cancellations Flat cancellations are permitted only when approved by the Company. The Named Insured shown on the Declarations Page may cancel the policy by:

1. Returning the current Declarations page with a signed and dated cancellation request. If there is more than one (1) Named Insured, both must sign the cancellation request or Lost Policy Release, unless they are married.

2. Providing the Company with advance written notice of the date cancellation is to take effect. If advance written notice is not received, the policy will be canceled effective at 12:01 a.m. on the date the request is received at the Company’s office.

3. Completing a Lost Policy Release/Lost Policy Receipt.

4. Theft of vehicles or plates.

5. Sale or transfer of vehicle(s).

6. Plates returned. All return premiums resulting from cancellations will be calculated pro-rata. If a Loss Payee or other interests exist, the effective date of cancellation may be adjusted to comply with regulatory requirements. Reinstatements Reinstatements will be made entirely at the Company’s discretion. Policies canceled for nonpayment of premium may be reinstated only if the full balance due is postmarked or received by the Company on or before the cancellation date shown on the cancellation notice.


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No agent may accept premium payments after the grace period without the prior authorization of the Company. Any agent that does so will be responsible for any coverage an insured may claim, and the agent must reimburse the Company for any losses the Company pays, including legal fees. Policies with unpaid additional premium balances will not be reinstated unless the balance is paid in full. Policies will not be reinstated under the following circumstances:

1. A policy is canceled for material misrepresentation;

2. An insured has moved out of state;

3. We have already notified you of our decision to non-renew the policy. Driver Assignment Occidental assigns drivers to vehicles as follows:

1. Single Vehicle - the driver classification and penalty point classification of the operator who develops the highest premium is used;

2. Multiple Vehicles – the driver and vehicle combinations which produce the highest premium will be used.

3. Liability limits must be the same on all vehicles.

4. The number of drivers compared to the number of vehicles on the policy is considered in the rate determination. Drivers include all eligible to be rated drivers and do not include excluded, deferred or permit operators. Vehicles include all vehicles rated on the policy.

5. All operators in the household must be included for rating, regardless of being listed and/or

rated on another Massachusetts auto policy. Some operators may be excluded from coverage (see Driver Exclusion section).

Driver Exclusions The following rules apply to driver exclusion situations:

1. The Named Insured cannot be excluded or deleted from a policy;

2. A spouse may be excluded only if both the Named Insured and Spouse both sign the appropriate exclusion form;

3. All household members 15 years and older must be identified on the application;


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4. The title owner of a vehicle cannot be excluded (exception: if there is a co-owner, then one

may be excluded);

5. Requests to remove exclusions must be in writing with a signature from the Named Insured. The request will be effective the date received by the Company.

6. If an operator who is a member of the household is to be excluded the policyholder must submit a signed statement that such operator does not and will not operate the automobiles to be insured. The signed statement must be on the Operator Exclusion Form, PA 16 11 04 09.

7. If any operator excluded as a result of such signed statement operates the automobile, the appropriate operator classification premium for the full policy period may be charged unless a collision or limited collision claim has been denied in accordance with the provisions of the policy because the excluded operator was driving the automobile at the time of the accident.

Permit Status Rating Drivers with a learner’s permit will not be included in the rating of the policy. The permit driver will become an “eligible-to-be-rated” driver at the earliest of (a) notification by the named insured that the permit driver has obtained their full license; or (b) the first renewal of the policy. If the latter, we will notify the customer of the change in rating, providing them an opportunity to notify us that the driver continues to hold a learner’s permit and return them to non-rated status. Driver’s with a learners permit will be listed as a never been licensed operator until a valid driver’s license is obtained. Driver Class Definitions The number of years driving experience is considered in rating. Driving experience is determined by the number of full or partial years that the operator has held a valid United States license. In the event that the operator’s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privilege. 10 Experienced Operator. The operator has been licensed at least six years and is under the

age of 65 and the automobile is not used in the occupation, profession or business of the insured.

15 Experienced Operator – age sixty-five or more. The operator has been licensed at least six

years and is sixty-five years of age or more and the automobile is not used in the occupation, profession or business of the insured.

17 Inexperienced Principle Operator – licensed three or more years. The operator of the

automobile has been licensed at least three years and less than six years and is the principle operator of the automobile.


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18 Inexperienced Occasional Operator – licensed three or more years. The operator has been

licensed at least three years and less than six years and is not the principle operator of the automobile.

20 Inexperienced Principal Operator – licensed less than three years. No driver training. The

operator has been licensed less than three years in the United States, is the principle operator of the automobile, and has not completed a Satisfactory Driver Training Program. Operators with a valid license issued outside of the United States will be rated as a class 20 operator. Other foreign country driving experience will not be accepted. This class will remain assigned to the operator until a valid United States License is obtained.

21 Inexperienced Occasional Operator – licensed less than three years. No driver training.

The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program.

25 Inexperienced Principal Operator – licensed less than three years, and the operator has

been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program.

26 Inexperienced Occasional Operator – licensed less than three years, and the operator has

been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile.

If no evidence of prior license is available, the operator may be assigned to class 20

(principle operator) or 21 (Occasional operator). Procedures for Massachusetts Registry of Motor Vehicles The following is a general summary of Registry of Motor Vehicles procedures. For specific details about procedures, contact the Registry.

1. A complete “RMV-1” vehicle registration form must be submitted, along with the previous owner’s title or certificate of origin, or a bill of sale for a vehicle that has not been titled previously.

2. An “RMV-2”, renewal card, will be mailed six to eight weeks prior to the expiration date of registration which will show the current registration data for the vehicle and its owner. Certain changes may be made by the owner on the application.

3. An “RMV-3” Amendment of Registration form may be used to change information on a

current registration, renew a current registration if an “RMV-2” form has not been received, swap from one license plate to another type of plates such as a vanity plate, and re-register a vehicle for the same owner, if a new title is not required.


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4. Valid plates from a previously-owned vehicle may be transferred to a newly acquired vehicle provided the owner is at least eighteen and has lost possession of the vehicle through either a transfer of ownership or sale of the vehicle. An owner has seven (7) calendar days to operate a newly acquired vehicle with current plates before the transfer is processed at the Registry, and the intent of the owner is to transfer the registration from the previous vehicle to a newly acquired vehicle of the same type. Restrictions on a registration transfer are: the owner must be the same on both vehicles, the transferred registration must be active, and the new vehicle must have the same type of plate.

5. All vehicles for which an insurance company has made a total loss payment must be titled as

a salvage vehicle except for vehicles 10 years or older. A vehicle which has a Salvage Title may not be provided with physical damage insurance until a new Certificate of Title is issued by the Registry. The Reconstructed or Recovered Theft Title will be awarded after the vehicle has passed a salvage inspection. The vehicle must be either towed to the salvage inspection site or a repair plate must be attached.

BILLING INFORMATION AND PROCEDURES

Billing Process

1. Down payments or full policy premiums must be submitted during the application internet upload process.

2. All additional premiums, including rating differences due to Motor Vehicle Records, C.L.U.E. reports, and/or endorsements, will be billed directly to the insured by the Company. The additional premium will be divided into any remaining installments. The Named Insured will be billed for the total additional premium if the original premium was paid in full or if the last installment has been billed or paid.

3. Installment billing notices are sent approximately 15 days prior to the due date. Each installment bill gives the insured the option to pay the amount due or the total balance.

4. Return premiums, if any, are first applied to any balance due the Company. If the policy has been paid in full, a return premium will be mailed to the Named Insured.

5. A renewal offer will be sent to the Named Insured approximately 30 days prior to renewal

6. Installment and renewal payments received from the insured in the agent’s office are subject to the same binding procedure as new business. The agent should document the date and time that the premium payment was received, and upload the payment to the Company via the OcciAgentsm site.

7. Installment payment plans may not be changed after the inception of a policy. If a different payment plan is desired, the policy must be cancelled and rewritten.


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8. Internet payments will be deemed postmarked as of the date and time of uploading. Any

installment payment that is uploaded after the cancellation date will be applied to the account and return premium (if any) will be returned to the policyholder. The policy will remain canceled.

9. Any renewal payment uploaded after the policy expiration date up to and including 20 days

may be renewed with a lapse in coverage. The decision to renew with a lapse or allow the policy to expire is entirely at the discretion of the Company. Please contact the Company for a decision or write a new policy for the customer.

10. Any payment that is uploaded with incorrect credit card or checking account numbers

(including bank routing numbers) will be treated as insufficient funds transactions. The policy will cancel for nonpayment, just as though no payment had been submitted. The agent and policyholder bear the responsibility for entering the correct information.

11. When payments are submitted via the Internet, Do not send the original or a copy of the

policyholder’s check or credit card forms to the Company. Such forms will be considered as additional payment requests. The Agent will be held responsible for errors or problems that result.

12. If an insured’s check, made payable to the Agent for an installment payment, is returned by

the financial institution not honored, upon first presentation, the agent will not be reimbursed.

Policy and Billing Fees Fees for specific activities include:

1. A billing installment service fee is charged equal to $10.

2. A fee of $25.00 is charged to reinstate a cancelled policy;

3. A processing fee of $15.00 is applied for insufficient funds when checks are denied by a financial institution;

4. A policy fee of $25.00 is applicable for new and renewal policy terms.

5. A late fee of $10.00 will be charged when a payment is postmarked/uploaded 6 or more days after the installment due date.


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UNDERWRITING CRITERIA

Risk Acceptability The following risks are not eligible:

1. Risks not residing in State of Residence a minimum of 7 months per year.

2. Risks that do not list the registered owner as the Named Insured or Additional Interest.

3. When co-owners are not listed as Named Insured or as Additional Interest.

4. Applicants with suspended or revoked driver’s license (except for failure to maintain proof of Financial Responsibility and eligible for reinstatement of license). Exceptions are subject to Company approval.

5. Named Operator, Non-owner or “Trip” policies. Driver Rating Points Auto Plan Acceptability - Drivers with more accidents or violations, as shown below, during the 72 months prior to application for insurance with Occidental are not eligible for coverage without underwriting review and approval.

Per Driver Maximums

Incidents Licensed More than 6 Years

Licensed 6 Years or

Less Major Accidents Minor Accidents

2 2

2 2

Major Violations 3 1 Intermediate Violations 3 1 Minor Violations 6 3

Driving record points - Driver rating points are assigned to operators for their driving history. Points are not assigned for non-chargeable incidents and not-at-fault accidents. An MVR may be requested for each applicant. Chargeable Period – All accidents and violations occurring in the 60-month period prior to the initial policy inception, or in the 60-month period prior to the renewal date for renewal policies, are considered in developing a driver’s policy premiums. The chargeable period for drivers being endorsed onto a policy after inception is 60 months prior to the endorsement effective date. Chargeable Date – The surcharge date is used to determine if the accident or violation took place in the chargeable period. If we cannot obtain the date, it will be deemed to be the day before the policy inception date.


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Same Day Offenses – If there were multiple violations or accidents that occurred on the same day, charge only for the one violation or accident with the highest point charge. NOTE: The experience of persons associated with the operation of a vehicle or train as a public conveyance or as part of their employment for a local transit system shall not be used when determining additional point charges. Accidents Points are assigned for at-fault accidents as follows: Major and Minor Accidents:

- First accident: 3 points - Second accident: 4 points - Each subsequent accident: 7 points

Each accident should be noted as “at fault” or “not at fault.” A Motor Vehicle Record will be requested for each applicant. Non-chargeable Incidents: a) comprehensive claims, b) claim payments resulting in $500 or less damage. Points are not assigned for non-chargeable incidents. Any accident in which an insured driver is determined by the insurer to be more than 50% negligent is treated as either a major or minor “at-fault” accident and is subject to surcharge. A minor accident is a claim payment for bodily injury or property damage over $500 up to and including $2000. A major accident is a claim payment for bodily injury or property damage over $2000. The following are not chargeable accidents:

1. Claim payments where the insured vehicle was legally parked;

2. The insured vehicle was struck in the rear while legally stopped.

3. The insured vehicle was struck by a bird or animal;

4. The insured vehicle was struck by a hit-and-run driver and was reported to the proper authorities after discovering the accident;

5. The insured was reimbursed by, or on behalf of, the person responsible for the accident or has a judgment against such person;

6. The insured was not convicted of a moving traffic violation in connection with the accident, but the operator of the other vehicle involved in the accident was convicted of a moving traffic violation;

7. The insured was found not to be liable for damages by a court or competent jurisdiction;


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Violations Major Violations include:

- Any Alcohol or drug conviction

- Driving on Cancelled/Suspended/Revoked License

- License Suspension

- Negligent Homicide

- Felony while operating a motor vehicle

- Unlawful use of driver’s license

- Speed contest or racing

- Hit and Run

- Failure to stop at the scene of an accident

- Reckless or careless driving (Driving to Endanger)

Intermediate Violations include:

- Aggressive Driving

- Illegal Passing

- Operator Unlicensed

- Driving too fast for conditions

- Failure to have the vehicle under control

- Driving on the wrong side of the highway

- Failure to obey a traffic sign or device

- Failure to yield or stop

Minor Violations All other violations not listed above are considered minor violations.

Minor Violations First 1 Second, third & fourth 2 Each additional 3

Major Violations First 5 Second 5 Each additional 10

Intermediate Violations First 2 Second & third 3 Each additional 4


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DISCOUNTS & SURCHARGES

Discounts 1. Multi-car Discount – applicable to the premium for Bodily Injury, Optional Bodily Injury,

Personal Injury Protection, Medical Payments, Property Damage, Comprehensive, Collision and Limited Collision.

2. Annual Mileage – applicable to any vehicle driven less than 5,000 miles a year, applicable to the premium for Bodily Injury, Optional Bodily Injury, Property Damage, Personal Injury Protection, Medical Payments, Collision, Limited Collision, and Comprehensive.

3. Anti-lock Brakes - applies to Bodily Injury, Optional Bodily Injury, Property Damage, Personal Injury Protection, Medical Payments, Collision and Limited Collision coverage when a motor vehicle is equipped with Anti-Lock Brakes.

4. Passive Restraint - Premiums for Personal Injury Protection, Medical Payments, Uninsured Motorist and Underinsured Motorist Coverages will be reduced when the vehicle is equipped with air bags or automatic seat belts

5. Paid in full – Any 6 or 12 month policy that is paid in full at the time of application will receive a

discount applicable to the total premium. The policy fee, zero deductible safety glass and Road Protection Coverage are not discounted. The Paid-In-Full Discount will not apply mid-term; the full premium must be paid at the beginning of the renewal term.

6. Prior Insurance Coverage Discount – applies to Bodily Injury, Optional Bodily Injury, Property

Damage, Personal Injury Protection, Comprehensive, Collision and Limited Collision premiums when the named insured has been insured under an automobile insurance policy for the 12 month period preceding the effective date of the policy with no more than one 20 day lapse in coverage. Prior coverage must be verified on the RMV website by the agent prior to uploading the application.

7. Age 65 & Older (Class 15) – a discount of 25% applies to the premiums of all coverages for

operators who are age 65 and older. This does not apply to vehicles used for business purposes.

8. Stable Renewal Discount – a discount of 5% applies to the premiums of Bodily Injury, Optional Bodily Injury, Property Damage, Personal Injury Protection, Medical payments, Comprehensive, Collision and Limited Collision coverages when, upon annual renewal offer, the total number of surcharge points for the renewal policy is either less than or equal to the number of surcharge points for the expiring policy.

9. Anti-theft Device - applies to Comprehensive premiums when the motor vehicle is equipped

with a qualified Anti-Theft Device or Vehicle Recovery System. Proof of installation by the manufacturer is required. The qualified devices in the following list are eligible for discount:


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Category I: Ignition or Starter Cut-Off Switch in Combination with Flush or Tapered Door Lock Buttons. This device is an ignition cut-off switch (sometimes called a “kill switch”) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped upon leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver’s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may identify the presence of this system.

Category II: Internally-Operated Alarm Systems Not Meeting Category III Criteria. This is

an alarm system which is activated from within the auto but which does not meet all the criteria in Section (5.4) (a). The ignition must be automatically cut off, or the starter must be disconnected automatically. The alarm must be triggered by entry of doors, hood or trunk.

Category III: Passive Alarm Systems, Passive Fuel Cut-Off Devices, Armored Ignition Cut-

Off Switches, Passive Multi-Component Cut-Off Switches, Passive Time Delay Ignition Systems, Armored Cable or Electrically Operated Hood Lock and Ignition Cut-Off Switches, Armored Cable Hood Locks, Electrically Operated Hood Locks, Passive, Delayed Ignition Cut-Off Systems, Passive Ignition Lock Protective Systems, High Security Ignition Replacement Locks, Hydraulic Brake Locks

Category IV: Vehicle Recovery Systems. This is an electronic unit installed in a vehicle that

is activated after that vehicle is stolen. When activated, the device provides information to law enforcement official or another public or private entity regarding the vehicle’s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle.

Category V: Vehicle Recovery Systems with Unauthorized Movement Notification. This is

an electronic unit installed in a vehicle that is activated after that vehicle is moved without authorization. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle’s location. Additionally, the device must provide personalized notification to the owner of a vehicle (or his or her authorized user) in the event of a potentially unauthorized movement of the owner’s vehicle.

Maximum Combined Discounts - The maximum of all discounts combined shall not exceed 25%, excluding allowable discount for Anti-Lock Brake Systems and Multi-Car. If required documentation or proof for discounts is not supplied when requested, the discounts will be effective on the date that documentation or proof is received by the Company. Surcharges A surcharge of 25% applies to Bodily Injury, Property Damage, Personal Injury Protection, Medical Payments, Comprehensive and Collision premiums for Unacceptable Risks added to a policy after inception of the policy.


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Unacceptable Risks

1. Any vehicle not in the ISO Manual;

2. Vehicles with an ISO symbol greater than 53 for model years 2011 and later, or greater than 23 for model years 2010 and older (may be acceptable for liability coverage). A deductible of $1,000 is required for these vehicles;

3. Vehicles in excess of 15 years old which have physical damage coverage;

4. Pickup trucks and vans that are larger than one (1) ton;

5. Customized or conversion vehicles (includes any vehicle with parts which were not available as standard equipment at the time of original manufacture, customized painting or decals on vehicles are eligible for liability only.)

6. Any Flat bed or Stake bed trucks;

7. Antique, classic, replica, custom-kit or limited production vehicles, unless prior approval is received;

8. Vehicles designed for off-road use (all-terrain, dune and swamp buggies, and so forth);

9. Converted or altered vehicles (including over-sized tires, altered suspension, and parts which are intended to increase speed or performance, etc);

10. Gray Market vehicles (vehicles not originally manufactured to meet U.S. standards);

11. Emergency vehicles;

12. Recreational vehicles;

13. Vehicles with other than four wheels (one ton pickup trucks with dual rear wheels are acceptable except when used for business);

14. Vehicles with salvage titles or restored vehicles for physical damage coverage (acceptable for Liability only);

15. Trailers with physical damage coverage;

16. Commercial vehicles, including vehicles owned, leased, or used by a company, corporation, partnership, or D.B.A. This includes the following uses:

a. Vehicles rented to others (“U-Drive” rental vehicles);

b. Vehicles used in speed contests or exhibitions;

c. Vehicles used for taxi service, or vehicles used to transport nursery or school children, migrant workers, or hotel/motel guests.

d. Pickup trucks or vans used for business of any kind.


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17. Vehicles in the following chart:

Alfa Romeo Corvette Jaguar Pantera Amigo Delorean Jensen Healy Pininfarina Aston Martin Dodge Ram SRT-10 Lamborghini Porsche Audi V8 Dodge Stealth/Viper Lancia Rolls Royce Austin Healy Ferrari Lotus Any “Shelby” models Avanti Fiat Maserati Suzuki Samurai/Sidekick Bentley Fiero MG/MGB Tracker Chevrolet SSR Ford SVT Mitsubishi 3000GT Triumph Citroen GMC Cyclone Typhoon Opel Yugo

Vehicle Use The manner and frequency in which a vehicle is used has a direct bearing on the rate for that vehicle. Occidental applications for insurance contain questions regarding the use of vehicles. Please call if there are any questions about the way a customer uses their vehicle. Vehicles use is defined as follows:

1. Pleasure - vehicle is not used in any of the ways described below;

2. Commute - vehicle is used primarily to commute to and from work or school;

3. Business - vehicle is used as part of the driver’s occupation, including the visitation of multiple places during the day. Examples include, but are not limited to sales representatives, job supervisors, meter readers. Commuting to and from a place of business at the beginning and end of the day only is not considered business use.

4. Artisan - vehicle is used by a tradesman or artisan to haul tools and equipment to job sites.

Examples include, but are not limited to, carpenters, drywallers, electricians, landscapers, masons, painters, plasterers, plumbers, roofers, surveyors,

5. Delivery - vehicle is used for the delivery of products, such as pizzas, newspapers, USPS

mail;

6. Farm - vehicles used almost exclusively on a farm or ranch with only occasional use on public roads may be classified as farm use.


19


ADDITIONAL COVERAGES

Glass $0 or $100 glass deductibles are available at the option of the insured for an additional premium. This glass deductible is in addition to the otherwise applicable deductible for Other than Collision (Comprehensive).

Road Protection Coverage

Road Protection Coverage (RPC) is available with or without Comprehensive and Collision (i.e. a policy that only has liability coverage may also have RPC). RPC may be added to an existing policy by endorsement. The premium will be prorated. The following coverages are included with RPC:

- Towing and labor reimbursement; - Rental reimbursement; - Emergency transportation; - Increased bail bond premium coverage; - Vacation protection; - Personal effects in a rental car.

Please review policy provision for more details. Endorsement Forms

Optional Endorsements:

Operator Exclusion Form PA 16 11 04 09 See Driver Exclusion section pg. 7

$100 Glass Deductible – Comprehensive MPY-0039-S See Glass Section under Additional Coverages pg. 19

Agreed Amount Coverage – Comprehensive MPY-0034-S This endorsement is not used.

Road Protection Coverage Endorsement PA 15 16 09 10 See Road Protection Coverage under Additional Coverages pg. 19

Waiver of Deductible MPY-0016-S Issued with Collision coverage when selected by the Insured.

Mandatory Endorsements:

Deleting Substitute Transportation PA 16 15 07 12

Personal Vehicle Sharing Exclusion M-0108-S


20


TERRITORY DEFINITIONS

CITY OF BOSTON

Definition Rating Territory Statistical Code BOSTON CENTRAL – (Zip codes 02101-02118. 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) 23 821 BRIGHTON – (Zip Codes 02134, 02135, 02163) 24 822 CHARLESTOWN – EAST BOSTON – (Zip Codes 02128, 02129) 26 824 DORCHESTER – (North Dorchester and South Dorchester) – (Zip Codes 02122, 02124, 02125, 02126) 21* 819 EAST BOSTON – CHARLESTOWN – (Zip Codes 02128, 02129) 26 824 HYDE PARK – (Zip Codes 02136, 02137) 20 818 JAMAICA PLAIN – (Zip Code 02130) 19 817 ROSLINDALE – (Zip Code 02131) 18 816 ROXBURY – (Including parts of Dorchester) (Zip (Codes 02119, 02120, 02121) 22 820 SOUTH BOSTON – (Zip Code 02127) 25 823 WEST ROXBURY (Zip Code 02132) 17 815 The following list contains subdivisions of Boston with territorial schedules and statistical codes: Name Rating Territory Statistical Code Allston – (Brighton) 24 822 Mattapan – (Dorchester – North) 21 819

Readville – (Hyde Park) 20 818 *A portion of postal zip code district 02126 falls in Hyde Park (Territory 20) and should be rated as such. The correct border between South

Dorchester and Hyde Park is as follows: Southeast, then East on Cummins Highway, Southwest on Rugby Road (1 block), Southeast on Greenfield Road, short stretch Southwest

on River Street, Southeast on Mattakeeset St. to Neponset River. Border goes down the middle of these streets. The following list contains Out of State Territorial Schedules and Statistical Codes Location Rating Territory Statistical Code Connecticut 9 991 Maine 9 992 New Hampshire 9 993 New York 9 994 Rhode Island 9 995 Vermont 9 996 Other 9 999


21


Rating Statistical

City or Town Territory Code

A ABINGTON 8 010 ACTON 27 630 ACUSHNET 7 230 ADAMS 27 110 AGAWAM 7 420 ALFORD 27 170 AMESBURY 2 310 AMHERST 5 510 ANDOVER 3 311 ARLINGTON 4 610 ASHBURNHAM 1 930 ASHBY 1 670 ASHFIELD 27 470 ASHLAND 5 631 ATHOL 3 910 ATTLEBORO 5 210 AUBURN 6 931 AVON 11 730 AYER 3 632

B BARNSTABLE 5 021 BARRE 2 932 BECKET 2 171 BEDFORD 2 633 BELCHERTOWN 3 530 BELLINGHAM 3 731 BELMONT 3 611 BERKLEY 6 231 BERLIN 27 933 BERNARDSTON 27 471 BEVERLY 5 312 BILLERICA 5 634 BLACKSTONE 2 934 BLANDFORD 3 490 BOLTON 1 970 BOSTON CENTRAL - (Zip Codes 02101- 02118, 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) 23 821 BOURNE 4 050 BOXBOROUGH 27 671 BOXFORD 3 370 BOYLSTON 2 971 BRAINTREE 8 710 BREWSTER 27 080 BRIDGEWATER 6 011 BRIGHTON - Boston (Zip Codes 02134, 02135, 02163) 24 822 BRIMFIELD 3 491 BROCKTON 45 002 BROOKFIELD 3 935 BROOKLINE 8 702 BUCKLAND 27 430 BURLINGTON 4 635

C CAMBRIDGE 11 600 CANTON 8 711 CARLISLE 27 672 CARVER 7 030 CHARLEMONT 27 472

Rating Statistical


CHARLESTOWN - Boston (Zip Codes 02128, 02129) 26 824 CHARLTON 4 936 CHATHAM 27 051 CHELMSFORD 2 612 CHELSEA 16 802 CHESHIRE 27 130 CHESTER 1 440 CHESTERFIELD 27 570 CHICOPEE 9 402 CHILMARK 27 081 CLARKSBURG 27 131 CLINTON 6 911 COHASSET 4 732 COLRAIN 1 431 CONCORD 27 613 CONWAY 27 473 CUMMINGTON 27 571

D DALTON 27 132 DANVERS 5 313 DARTMOUTH 7 211 DEDHAM 8 712 DEERFIELD 27 432 DENNIS 3 052 DIGHTON 5 232 DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) 21 819 DOUGLAS 2 937 DOVER 2 733 DRACUT 6 614 DUDLEY 3 938 DUNSTABLE 1 673 DUXBURY 3 031

E EAST BOSTON - Boston (Zip Codes 02128, 02129) 26 824 EAST BRIDGEWATER 6 032 EAST BROOKFIELD 2 973 EASTHAM 27 082 EASTHAMPTON 3 511 EAST LONGMEADOW 6 441 EASTON 7 212 EDGARTOWN 27 053 EGREMONT 27 172 ERVING 27 433 ESSEX 2 330 EVERETT 14 602

F FAIRHAVEN 7 213 FALL RIVER 13 201 FALMOUTH 3 054 FITCHBURG 7 902 FLORIDA 2 173 FOXBOROUGH 3 734 FRAMINGHAM 9 615 FRANKLIN 1 713 FREETOWN 5 233


22


Rating Statistical


G GARDNER 3 912 GAY HEAD 27 083 GEORGETOWN 3 331 GILL 27 474 GLOUCESTER 5 314 GOSHEN 27 573 GOSNOLD 27 084 GRAFTON 3 913 GRANBY 4 574 GRANVILLE 2 492 GREAT BARRINGTON 1 111 GREENFIELD 3 410 GROTON 27 636 GROVELAND 3 332

H HADLEY 27 531 HALIFAX 5 070 HAMILTON 1 333 HAMPDEN 5 493 HANCOCK 27 174 HANOVER 4 033 HANSON 5 034 HARDWICK 27 939 HARVARD 27 974 HARWICH 1 055 HATFIELD 27 532 HAVERHILL 8 302 HAWLEY 27 475 HEATH 2 476 HINGHAM 4 012 HINSDALE 2 133 HOLBROOK 11 735 HOLDEN 3 940 HOLLAND 1 494 HOLLISTON 2 637 HOLYOKE 40 403 HOPEDALE 2 941 HOPKINTON 27 638 HUBBARDSTON 1 942 HUDSON 3 616 HULL 9 035 HUNTINGTON 2 533 HYDE PARK - Boston (Zip Codes 02136, 02137) 20 818

I IPSWICH 2 315

J JAMAICA PLAIN - Boston (Zip Code 02130) 19 817

K KINGSTON 4 036

L LAKEVILLE 5 037 LANCASTER 2 943 LANESBOROUGH 1 134 LAWRENCE 44 303 LEE 27 135 LEICESTER 7 944 LENOX 27 136 LEOMINSTER 5 914 LEVERETT 1 477 LEXINGTON 2 617 LEYDEN 1 478

Rating Statistical


LINCOLN 1 639 LITTLETON 27 640 LONGMEADOW 4 442 LOWELL 41 601 LUDLOW 7 421 LUNENBURG 1 945 LYNN 43 300 LYNNFIELD 7 334

M MALDEN 14 603 MANCHESTER 27 335 MANSFIELD 3 214 MARBLEHEAD 4 316 MARION 3 038 MARLBOROUGH 5 618 MARSHFIELD 7 039 MASHPEE 5 085 MATTAPOISETT 3 040 MAYNARD 27 620 MEDFIELD 27 736 MEDFORD 12 604 MEDWAY 27 737 MELROSE 6 619 MENDON 27 946 MERRIMAC 3 336 METHUEN 10 317 MIDDLEBOROUGH 6 013 MIDDLEFIELD 1 576 MIDDLETON 6 337 MILFORD 5 915 MILLBURY 4 916 MILLIS 27 738 MILLVILLE 1 947 MILTON 11 714 MONROE 1 479 MONSON 3 422 MONTAGUE 27 411 MONTEREY 27 175 MONTGOMERY 27 495 MOUNT WASHINGTON 27 176

N NAHANT 8 338 NANTUCKET 27 056 NATICK 3 621 NEEDHAM 2 715 NEW ASHFORD 1 177 NEW BEDFORD 13 200 NEW BRAINTREE 27 975 NEWBURY 1 339 NEWBURYPORT 1 318 NEW MARLBOROUGH 27 178 NEW SALEM 27 480 NEWTON 6 605 NORFOLK 1 739 NORTH ADAMS 2 112 NORTHAMPTON 3 512 NORTH ANDOVER 5 319 NORTH ATTLEBORO 3 215 NORTHBOROUGH 27 949 NORTH BROOKFIELD 3 948 NORTHBRIDGE 3 917 NORTH DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) 21 819


23


Rating Statistical


NORTHFIELD 27 434 NORTH READING 5 641 NORTON 5 234 NORWELL 3 041 NORWOOD 7 716

O OAK BLUFFS 27 057 OAKHAM 1 976 ORANGE 2 412 ORLEANS 27 058 OTIS 27 179 OXFORD 5 950

P PALMER 4 423 PAXTON 5 977 PEABODY 10 320 PELHAM 27 577 PEMBROKE 6 042 PEPPERELL 27 642 PERU 1 180 PETERSHAM 27 978 PHILLIPSTON 1 979 PITTSFIELD 4 102 PLAINFIELD 27 578 PLAINVILLE 4 740 PLYMOUTH 7 014 PLYMPTON 6 071 PRINCETON 27 980 PROVINCETOWN 27 059

Q QUINCY 12 703

R RANDOLPH 14 717 RAYNHAM 6 235 READING 3 622 REHOBOTH 4 236 REVERE 15 803 RICHMOND 27 181 ROCHESTER 3 043 ROCKLAND 9 015 ROCKPORT 2 340 ROSLINDALE - Boston (Zip Code 02131) 18 816 ROWE 27 481 ROWLEY 3 341 ROXBURY - Boston (Zip Codes 02119, 02120, 02121) 22 820 ROYALSTON 1 981 RUSSELL 3 443 RUTLAND 3 951

S SALEM 12 304 SALISBURY 5 342 SANDISFIELD 27 182 SANDWICH 3 060 SAUGUS 12 321 SAVOY 27 183 SCITUATE 6 044 SEEKONK 4 237 SHARON 6 741 SHEFFIELD 27 137 SHELBURNE 1 435 SHERBORN 1 674 SHIRLEY 2 643

Rating Statistical


SHREWSBURY 5 918 SHUTESBURY 2 482 SOMERSET 6 238 SOMERVILLE 12 606 SOUTHAMPTON 1 580 SOUTHBOROUGH 27 952 SOUTH BOSTON - Boston (Zip Code 02127) 25 823 SOUTHBRIDGE 6 919 SOUTH HADLEY 4 513 SOUTHWICK 4 444 SPENCER 6 920 SPRINGFIELD 42 400 STERLING 27 953 STOCKBRIDGE 1 138 STONEHAM 8 623 STOUGHTON 12 718 STOW 27 644 STURBRIDGE 1 954 SUDBURY 27 645 SUNDERLAND 3 436 SUTTON 27 955 SWAMPSCOTT 9 322 SWANSEA 5 239

T TAUNTON 9 202 TEMPLETON 27 956 TEWKSBURY 5 646 TISBURY 27 061 TOLLAND 1 496 TOPSFIELD 4 371 TOWNSEND 27 647 TRURO 1 086 TYNGSBOROUGH 3 648 TYRINGHAM 27 184

U UPTON 27 957 UXBRIDGE 27 921

W WAKEFIELD 6 624 WALES 2 497 WALPOLE 4 719 WALTHAM 7 607 WARE 3 514 WAREHAM 8 016 WARREN 3 958 WARWICK 27 483 WASHINGTON 27 185 WATERTOWN 7 608 WAYLAND 2 649 WEBSTER 7 922 WELLESLEY 1 720 WELLFLEET 27 087 WENDELL 27 484 WENHAM 2 343 WESTBOROUGH 2 923 WEST BOYLSTON 2 959 WEST BRIDGEWATER 8 045 WEST BROOKFIELD 27 960 WESTFIELD 6 424 WESTFORD 27 650 WESTHAMPTON 27 581 WESTMINSTER 1 961 WEST NEWBURY 27 344


24


Rating Statistical


WESTON 3 651 WESTPORT 5 240 WEST ROXBURY - Boston (Zip Code 02132) 17 815 WEST SPRINGFIELD 10 425 WEST STOCKBRIDGE 1 139 WEST TISBURY 27 088 WESTWOOD 4 742 WEYMOUTH 9 721 WHATELY 27 437 WHITMAN 8 017 WILBRAHAM 5 445

Rating Statistical


WILLIAMSBURG 27 534 WILLIAMSTOWN 27 140 WILMINGTON 4 652 WINCHENDON 3 924 WINCHESTER 3 625 WINDSOR 1 186 WINTHROP 13 810 WOBURN 7 626 WORCESTER 13 900 WORTHINGTON 1 582 WRENTHAM 2 743

Y YARMOUTH 4 062




MASSACHUSETTS







1


Index

Accidents ............................................................................................................................................ 13






Cancellations ........................................................................................................................................ 6


Company Codes .................................................................................................................................. 3


Discounts ........................................................................................................................................... 15






Fees ..................................................................................................................................................... 11


Glass .................................................................................................................................................... 19





Reinstatements ..................................................................................................................................... 6

Renewals ............................................................................................................................................... 6



Surcharges .......................................................................................................................................... 16




Vehicle Use ....................................................................................................................................... 18

Violations .......................................................................................................................................... 14


2



CONTACT INFORMATION




3









vehicle(s).







4











5

















6










7

















8



may be excluded);











9


18 Inexperienced Occasional Operator – licensed three or more years. The operator has been

licensed at least three years and less than six years and is not the principle operator of the automobile.
















10






Billing Process









11



















12









Per Driver Maximums


Licensed 6 Years or


2 2

2 2




13













14










- Hit and Run





- Illegal Passing












15


















16













17


Unacceptable Risks






















18











mail;



19








Optional Endorsements:

Operator Exclusion Form PA 16 11 04 09 See Driver Exclusion section pg. 7

$100 Glass Deductible – Comprehensive MPY-0039-S See Glass Section under Additional Coverages pg. 19

Agreed Amount Coverage – Comprehensive MPY-0034-S This endorsement is not used.

Road Protection Coverage Endorsement PA 15 16 09 10 See Road Protection Coverage under Additional Coverages pg. 19

Waiver of Deductible MPY-0016-S Issued with Collision coverage when selected by the Insured.

Mandatory Endorsements:

Deleting Substitute Transportation PA 16 15 07 12

Personal Vehicle Sharing Exclusion M-0108-S


20



CITY OF BOSTON






21


Rating Statistical





Rating Statistical







22


Rating Statistical




I IPSWICH 2 315


K KINGSTON 4 036


Rating Statistical






23


Rating Statistical





Q QUINCY 12 703



Rating Statistical







24


Rating Statistical



Rating Statistical



Y YARMOUTH 4 062

Sample Begins: Compulsory Insurance There are ...Evaluated On: 2/19/2009 4:27 PM

Grade Level ...

Flesch Reading Ease: * 52Flesch Grade Level: 10.4

Words: 104Syllables: 169

Monosyllabic Words: 66Words of 3 or More Syllables: 21

Sentences: 6

CMcLachlan

Text Box

Compulsory Insurance There are four Parts to Compulsory Insurance. They are called Compulsory Insurance becauseMassachusetts law requires you to buy all of them before you can register your auto. No law requires you to buy more than this Compulsory Insurance. However, if you have financed your auto, the bank or finance company may legally insist that you have some Optional Insurance as a condition of your loan. The amount of your coverage and the cost of each Part is shown on the Coverage Selections Page. Your Compulsory Insurance does not pay for any damage to your auto no matter what happens to it.

Sample Begins: Part 1. Bodily Injury To ...Evaluated On: 2/19/2009 4:29 PM

Grade Level ...




Sentences: 15

CMcLachlan

Text Box

Part 1. Bodily Injury To Others Under this Part, we will pay damages to people injured or killed by your auto inMassachusettsaccidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will pay only if you or someone else using your auto with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. We will not pay: 1 For injuries to guest occupants of your auto. 2 For accidents outside ofMassachusettsor in places in Massa-chusetts where the public has no right of access. 3 For injuries to any employees of the legally responsible person if they are entitled toMassachusettsworkers' compensation benefits. The law provides a special protection for anyone entitled to damages under this Part. We must pay their claims even if false statements were made when applying for this policy or your auto registration. We must also pay even if you or the legally responsible person fails to cooperate with us after the accident. We will, however, be entitled to reimbursement from the person who did not cooperate or who made any false statements. If a claim is covered by us and also by another company authorized to sell auto insurance inMassachusetts, we will pay only our proportionate share. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner's auto insurance must pay its limits before we pay. Then, we will pay, up to the limits shown on your Coverage Selections Page, for any damages not covered by that insurance.

Sample Begins: Part 2. Personal Injury ...Evaluated On: 2/19/2009 8:33 AM

Grade Level ...




Sentences: 51

Sample Begins: Part 3. Bodily Injury Caused By ...Evaluated On: 2/19/2009 8:48 AM

Grade Level ...




Sentences: 22

CMcLachlan

Text Box

Part 3. Bodily Injury Caused By An Uninsured Auto Sometimes an owner or operator of an auto legally responsible for an accident is uninsured. Some accidents involve unidentified hit-and-run autos. Under this Part, we will pay damages for bodily injury to people injured or killed in certain accidents caused by uninsured or hit-and-run autos. We will pay only if the injured person is legally entitled to recover from the owner or operator of the uninsured or hit-and-run auto. We will pay for hit-and-run accidents only if the owner or operator causing the accident cannot be identified. Sometimes the company insuring the auto responsible for an accident will deny coverage or become insolvent. We consider such an auto to be uninsured for purposes of this Part. However, we do not consider an auto owned by a governmental unit or someone who is legally self-insured to be an uninsured auto. This Part is Compulsory. You must have limits of $20,000 per person and $40,000 per accident. However, you may want to buy more protection. If so, we must sell you limits up to $35,000 per person and $80,000 per accident, provided you have purchased at least these limits for Part 5. Higher limits may be purchased if agreed upon by you and by us. We will pay damages to or for: 1. You, while occupying your auto, while occupying an auto you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your auto, while occupying an auto not owned by you or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts auto policy of his or her own or who is covered by any Massachusetts auto policy of another household member providing uninsured auto insurance with higher limits. 3. Anyone else while occupying your auto. We will not pay damages to or for anyone else who has aMassachusettsauto policy of his or her own, or who is covered by anyMassachusettsauto policy of another household member providing uninsured auto insurance. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part.

Sample Begins: Part 4. Damage to�Someone Else’s ...Evaluated On: 2/19/2009 8:56 AM

Grade Level ...




Sentences: 30

CMcLachlan

Text Box

Part 4. Damage to Someone Else's Property Under this Part, we will pay damages to someone else whose auto or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. We will pay only if you, or a household member, is legally responsible for the accident. We will also pay if someone else using your auto with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property. We will not pay for property damage which occurs: 1. While your auto is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. While any auto is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking autos. This exclusion does not apply to the ownership, maintenance or use of your auto by you or a household member. 3. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to private passenger autos, or to pick-up trucks, vans, or similar vehicles having a gross vehicle weight of less than 10,000 pounds and not used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. 4. While a household member, other than your spouse, is using an auto which you or any household member owns or uses regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 5. While you or your spouse, if a household member, are using an auto which you or your spouse, if a household member, own or use regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 6. To an auto or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to an auto or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care. 7. When the property damage is caused by anyone using an auto without the consent of the owner. The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner's auto insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections Page. However, if the claim is covered by us and another auto policy, we will pay only our proportionate share of those damages not paid by the owner's auto insurance. Under this Part, we may have to pay for property damage even if you or the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person. This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by an auto covered under this Part which is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity.

Sample Begins: Definitions

Throughout this ...Evaluated On: 2/19/2009 4:16 PM

Grade Level ...




Sentences: 33

CMcLachlan

Text Box

Definitions Throughout this policy: 1 We, Us or Our - refers to the company issuing this policy. 2 You or Your - refers to the person(s) named in Item 1 of the Coverage Selections Page. 3 Accident - means an unexpected, unintended event that causes bodily injury or property damage arising out of the ownership, maintenance or use of an auto. 4 Auto - means a land motor vehicle or trailer but does not include: A. Any vehicle operated on rails or crawler treads. B. Any vehicle or trailer while it is located for use as a residence or premises. We will consider such a vehicle to be an auto while it is being used on public roads or for recreational use. C. A farm tractor or other equipment designed for use principally off public roads. We will consider a tractor or other equipment to be an auto while it is being used on public roads. D. Any vehicle not subject to Massachusetts Motor Vehicle registration such as a moped, dirt bike, mini-bike, snowmobile or an all-terrain vehicle (ATV). Other words and phrases are defined. They are in boldface when used. 5. Your Auto - means: A. The vehicle or vehicles described on the Coverage Selections Page. B. Any auto while used as a temporary substitute for the described auto while that auto is out of normal use because of a breakdown, repair, servicing, loss or destruction. But the term “your auto” does not include a substitute vehicle owned by you or your spouse. C. A private passenger auto, trailer, motorcycle, pick-up truck, van or similar vehicle, to which you take title or lease as a permanent re-placement for a described auto or as an additional auto. We provide coverage for an additional auto only if you ask us to insure it within seven days after you take title or the effective date of the lease. If a replacement or additional auto is a pick-up truck, van or similar vehicle, it must not be used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining or repairing furnishings or equipment. Under Parts 1, 2, 3, 4, 5 and 6 the term “your auto” also includes any trailer not described on the Coverage Selections Page as covered under those Parts. 1 Trailer - means a vehicle designed to be pulled by a private passenger auto, motorcycle, pick-up truck, van, or similar vehicle and designed for use on public roads. This includes a farm wagon or a farm implement. 2 Occupying - means in, upon, entering into, or getting out of. 3 Collision - means the accidental upset of your auto or any physical contact of your auto with another object. 4 Household Member - means anyone living in your household who is related to you by blood, marriage or adoption. This includes wards, step-children or foster children. 5 Pedestrian - includes anyone incurring bodily injury as a result of being struck by an auto in an accident and who is not occupying an auto at the time of the accident.

Sample Begins: Introduction

This insurance ...Evaluated On: 2/19/2009 4:14 PM

Grade Level ...




Sentences: 31

CMcLachlan

Text Box

Introduction This insurance policy is a legal contract between the policy owner (you) and the company (we or us). It insures you and your auto for the period shown on the Coverage Selections Page. As long as you pay your premium, we agree to provide you or others the benefits to which you or they are entitled. The exact terms and conditions are explained in the following pages. There are two basic categories of insurance described in this policy, Compulsory Insurance and Optional Insurance. Compulsory There are four Parts to Compulsory Insurance. They are all re-Insurance quired by law. Every auto registered inMassachusettsmust have them. Optional Insurance There are eight Parts to Optional Insurance. Some of them extend the coverage or the amounts of protection provided by Compulsory Insurance. Some of them provide protection not found in Compulsory Insurance. You do not have to buy any of these eight Parts if you do not want to. Auto insurance claims arise in hundreds of different ways. Autos are sometimes stolen or damaged. Accidents may injure people in your auto, people in other autos or pedestrians. You may be responsible for an accident or someone else may be. An accident may happen inMassachusetts or out of state. Different situations require different kinds of insurance. Please read the whole policy to see what kinds of insurance are available to cover these different situations. At the same time, you should check the Coverage Selections Page to make sure it correctly indicates the coverages you purchased. Each coverage you purchased will show a premium charge next to it. If no premium charge is shown, you do not have that coverage. Sometimes you and we will agree to change this policy. The only way that can be done is by an “Endorsement” added to the basic policy form. All endorsements must be in writing. They then become part of this policy. We are pleased to have you as a customer and hope you have a safe and accident-free year. But if you need us, we are here to help you. If you have an accident or loss, or if someone sues you, contact your agent or us. Do the same if you have any questions or complaints. If you think we have treated you unfairly at any time, you may contact the Division of Insurance, (617) 521-7777.

Sample Begins: Optional Insurance

There are ...Evaluated On: 2/19/2009 9:02 AM

Grade Level ...




Sentences: 8

CMcLachlan

Text Box

Optional Insurance There are eight separate Parts to Optional Insurance. They are called Optional Insurance because they are not required by law. The amount of insurance and cost of any of these Parts you purchased is shown on the Coverage Selections Page. With the exception of Towing and Labor (Part 11), we must sell you any or all of the Optional coverages you wish, subject to certain deductibles and limits specified inMassachusettslaw. However,Massachusettslaw provides that we may refuse to sell Collision (Part 7) and Comprehensive (Part 9), or both, in certain specified instances. Because two of the Optional coverages - Collision (Part 7) and Limited Collision (Part 8) - duplicate each other in many ways, you may buy one of them but not both. If you do not buy either one, you still have the right to sue people who damage your auto but we will not provide any assistance to you under this policy.

Sample Begins: Part 7. Collision�Under this ...Evaluated On: 2/19/2009 9:21 AM

Grade Level ...




Sentences: 9

CMcLachlan

Text Box

Part 7. Collision Under this Part, we will pay for any direct and accidental damage to your auto caused by a collision. It does not matter who is at fault. We will also pay for collision damage to other private passenger autos while being used by you or a household member with the consent of the owner. However, we will not pay for damage to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity. We will pay for each loss up to the actual cash value of the auto or any of its parts at the time of the collision. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page.

Sample Begins: Our Agreement This policy is a ...Evaluated On: 2/19/2009 4:18 PM

Grade Level ...




Sentences: 9

CMcLachlan

Text Box

Our Agreement This policy is a legal contract underMassachusetts law. Because this is an auto policy, it only covers accidents and losses which result from the ownership, maintenance or use of autos. The exact protection is determined by the coverages you purchased. We agree to provide the insurance protection you purchased for accidents which happen while this policy is in force. You agree to pay premiums when due and to cooperate with us in case of accidents or claims. Our contract consists of this policy, the Coverage Selections Page, any endorsements agreed upon, and your application for insurance. Oral promises or statements made by you or our agent are not part of this policy. There are many laws ofMassachusettsrelating to automobile insurance. We and you must and do agree that, when those laws apply, they are part of this policy.

Sample Begins: We will not pay any claim for ...Evaluated On: 2/13/2015 10:16 AM

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Sentences: 3

TESTED VERBIAGE: We will not pay any claim for injury or property damage under the policy while your auto is being used in a personal vehicle sharing program. Such programs allow the use of your auto by a person other than you or a household member under an agreement and with payment to you. This exclusion does not apply to Personal Injury Protection Part 2.

Flesch Reading Ease: * 50gFlesch Grade Level: 11.5

Sample Begins: We will not pay any claim for ...Evaluated On: 2/13/2015 10:08 AM

Grade Level ...




Sentences: 2

TESTED VERBIAGE:

We will not pay any claim for injury or property damageunder the policy, while your auto is being used in apersonal vehicle sharing program. Such programs allow theuse of your auto by a person other than you or a householdmember under an agreement and with payment to you. Thisexclusion does not apply to Personal Injury Protection(Part 2).

Flesch Reading Ease: * 39gFlesch Grade Level: 15.6




MASSACHUSETTS







1


Index

Accidents ............................................................................................................................................ 13






Cancellations ........................................................................................................................................ 6


Company Codes .................................................................................................................................. 3


Discounts ........................................................................................................................................... 15






Fees ..................................................................................................................................................... 11


Glass .................................................................................................................................................... 19





Reinstatements ..................................................................................................................................... 6

Renewals ............................................................................................................................................... 6



Surcharges .......................................................................................................................................... 16




Vehicle Use ....................................................................................................................................... 18

Violations .......................................................................................................................................... 14


2



CONTACT INFORMATION




3









vehicle(s).







4











5

















6










7

















8



may be excluded);











9


18 Inexperienced Occasional Operator – licensed three or more years. The operator has been licensed at least three years and less than six years and is not the principle operator of the automobile.
















10






Billing Process









11



















12









Per Driver Maximums


Licensed 6 Years or


2 2

2 2




13













14










- Hit and Run





- Illegal Passing












15


















16













17


Unacceptable Risks






















18











mail;



19








Operator Exclusion Form PA 16 11 04 09 $100 Glass Deductible - Comprehensive MPY-0039-S Deleting Subsitute Transportation PA 16 15 07 12 Agreed Amount Coverage - Comprehensive MPY-0034-S Personal Vehicle Sharing Exclusion M-0108-S Road Protection Coverage Endorsement PA 15 16 09 10 Waiver of Deductible MPY-0016-S


20



CITY OF BOSTON





Rating Statistical





Rating Statistical







22


Rating Statistical




I IPSWICH 2 315


K KINGSTON 4 036


Rating Statistical






23


Rating Statistical





Q QUINCY 12 703



Rating Statistical







24


Rating Statistical



Rating Statistical



Y YARMOUTH 4 062




MASSACHUSETTS







1


Index

Accidents ............................................................................................................................................ 13






Cancellations ........................................................................................................................................ 6


Company Codes .................................................................................................................................. 3


Discounts ........................................................................................................................................... 15






Fees ..................................................................................................................................................... 11


Glass .................................................................................................................................................... 19





Reinstatements ..................................................................................................................................... 6

Renewals ............................................................................................................................................... 6



Surcharges .......................................................................................................................................... 16




Vehicle Use ....................................................................................................................................... 18

Violations .......................................................................................................................................... 14


2



CONTACT INFORMATION




3









vehicle(s).







4











5

















6










7

















8



may be excluded);











9


18 Inexperienced Occasional Operator – licensed three or more years. The operator has been licensed at least three years and less than six years and is not the principle operator of the automobile.
















10






Billing Process









11



















12









Per Driver Maximums


Licensed 6 Years or


2 2

2 2




13













14










- Hit and Run





- Illegal Passing












15


















16













17


Unacceptable Risks






















18











mail;



19








Operator Exclusion Form PA 16 11 04 09 $100 Glass Deductible - Comprehensive MPY-0039-S Deleting Subsitute Transportation PA 16 15 07 12 Agreed Amount Coverage - Comprehensive MPY-0034-S Personal Vehicle Sharing Exclusion M-0108-S Road Protection Coverage Endorsement PA 15 16 09 10 Waiver of Deductible MPY-0016-S


20



CITY OF BOSTON





Rating Statistical





Rating Statistical







22


Rating Statistical




I IPSWICH 2 315


K KINGSTON 4 036


Rating Statistical






23


Rating Statistical





Q QUINCY 12 703



Rating Statistical







24


Rating Statistical



Rating Statistical



Y YARMOUTH 4 062

of 1

Occidental Fire & Casualty Company of North Carolina

MASSACHUSETTS ENDORSEMENT – M-0108-S

Personal Vehicle Sharing Exclusion

We will not pay any claim for injury or property damage under the policy, while your

auto is being used in a personal vehicle sharing program. Such programs allow the use

of your auto by a person other than you or a household member under an agreement

and with payment to you. This exclusion does not apply to Personal Injury Protection

(Part 2).

[Ed. 10-13]

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