DELAWARE AGENT S MANUAL
|
|
- Brittney Bennett
- 5 years ago
- Views:
Transcription
1 AMERICAN INDEPENDENT INSURANCE COMPANY 1000 RIVER ROAD, SUITE 300 CONSHOHOCKEN, PA WE STRIVE FOR EXCELLENCE. DELAWARE AGENT S MANUAL 7/25/2013
2 AMERICAN INDEPENDENT INSURANCE COMPANY American Independent Insurance Company (AIICO), has been providing a wide array of quality insurance products and services since You as an AIICO agent have the competitive advantage of being able to offer your customers affordable rates with low down payments and monthly billing. You also have the option of tailoring your customer's coverage to their specific needs through varied coverage levels, different deductibles and variable term policies. We at AIICO hope that you utilize this manual to further familiarize yourself with our company. Our view is that you are our partner. We show that through our commitment to the independent agency system. Together we can be successful while providing our customers with quality insurance protection at affordable rates. IMPORTANT PHONE NUMBERS CUSTOMER SERVICE FAX ENDORSEMENTS AUTOMATED BILLING INQUIRY SERVICE #1 24 HOUR CLAIMS REPORTING #2 SUPPLY REQUEST - PHONE (X8425 or X8393) SUPPLY REQUEST - FAX MAIL APPLICATIONS AND CORRESPONDENCE TO: American Independent Insurance Co. P.O. Box 3000 Plymouth Meeting, PA (Please do not submit payments to this address. It will slow processing.) MAIL PAYMENTS TO: AIS P.O. Box Philadelphia, PA (Please submit only payments to this address.) - 1 -
3 BILLING INQUIRY & CLAIMS REPORTING AUTOMATED BILLING INQUIRY #1 Our automated billing inquiry gives you access to information on billing and policy information 24 hours a day seven days a week. At any time you can easily and quickly obtain information via your touch tone telephone. You will need the policy number and the zip code of the customer. The information available depending upon policy status is as follows: Policy holder s name Policy number Number of vehicles currently on the policy Amount due Current payment due date Date bill sent Outstanding balance Amount of and date of last payment received Renewal date, if applicable Cancellation/expiration effective date, if applicable Reason for cancellation, if applicable Agent name and phone number CLAIMS REPORTING # 2 It is extremely important that you advise your customer to report all claims directly to AIICO immediately after an accident. They can be guided as to how to proceed with repairs. If an insured or claimant contacts your office to report a loss, PLEASE ADVISE THE INSURED OR CLAIMANT TO CALL AIICO DIRECTLY. They can report the claim 24 hours a day, seven days a week. It is to your customers advantage to call as soon as possible
4 GENERAL INFORMATION APPLICATION All new business must be submitted on an AIICO Delaware Private Passenger Auto application and uploaded through our website. We recommend that you keep our ITC rating software as backup only, if your Internet connection is ever disrupted. BINDING AUTHORITY Coverage on the original application will be bound as of the date and time the applicant signs the application if: 1. The risk is not designated as unacceptable in the Underwriting Rules contained in this manual. 2. The application is fully complete in all respects. 3. The down payment is submitted with the application. 4. The envelope containing the application is postmarked or uploaded within 72 hours of the effective date. 5. In some cases, you may be required to inspect the vehicle and take photos. 6. Driver s License numbers must be on the application for all drivers, including those that are excluded. Application must indicate clearly the exact coverage requested and each coverage must be within the limits and restrictions of Company Underwriting rules. AGENT DUTIES The agent's duty to the insured includes explaining the following: 1. Rate the risk based on the age, sex, marital status of the highest rated driver for the first car and then the next highest for the second car, etc.. 2. All members of the household or other regular operators over the age 14 must be listed on the application and rated or excluded. A resident driver can be excluded only if they possess valid auto insurance at time of binding. A signed exclusion form must be sent along with the application. Suspended drivers should be excluded. It is the insured's responsibility to inform you and AIICO that a previously suspended driver now has a valid driver s license. 3. There is no coverage under this policy for an excluded operator driving a listed vehicle. 4. The requirements for obtaining coverage on replacement and additional vehicles. 5. Discounts and surcharges may apply to this program. 6. All claims are to be reported immediately to AIICO. 7. In some cases, you may be required to inspect the vehicles as well as take photos. CANCELLATIONS 1. Flat cancellations are not permitted. 2. Policies cancelled at the Company's request are computed on a pro-rata basis. 3. Policies cancelled at the insured's request. 4. Nonpayment of premium is considered insured s request but cancelled on a pro-rata basis. 5. Cancellation refunds are mailed directly to the insured
5 GENERAL INFORMATION - (cont'd) REINSTATEMENTS 1. Policies cancelled for non-payment of premium will be reinstated with a lapse in coverage as of 12:01AM the day following payment or postmark date if: a. The postmark or payment date is within 29 days of the cancellation date. b. The insured has paid the entire amount due. c. The policy is not in the last 30 days of its term without a renewal offer. 2. Policies cancelled for lack of information will be reinstated ONLY if all requested information is postmarked on or prior to the effective date of cancellation and all payments are current. ENDORSEMENTS Coverage will be bound as of the effective date and time requested on the endorsement, as long as it is within the agent's binding authority. If a time is not indicated, coverage will be made effective at 11:59 p.m. on the day of the requested effective date. Signatures are required to delete a driver, to reduce limits or delete physical damage coverage. Premium adjustments are made on the next installment bill. Depending upon the remaining balance an interim bill or return premium may generate. You can fax endorsements to us on 1(877) Endorsements can also be uploaded on the system. RENEWALS Thirty days prior to the expiration a renewal offer will be sent to your customer. If no response is received from the customer, it is presumed that the insured has declined our coverage offer for the next term. NAMED DRIVER EXCLUSIONS Drivers should be excluded for the following reasons: 1. If they have a suspended or revoked license 2. If they provide proof of other insurance 3. If they have never been licensed, a household member is listed as a driver. A named insured MAY NOT BE EXCLUDED, except for suspended or revoked license
6 UNDERWRITING GUIDELINES UNACCEPTABLE RISKS NOTE: All risks are subject to final underwriting approval by the Company. No agent may bind the Company on an unacceptable risk. You cannot bind a risk where one of the vehicles is worth over $40,000 in value. Other unacceptable risks are as follows: 1. Applications submitted that do not list all drivers and household members. 2. Applications where all named insureds are not licensed, or excluded due to a suspended or revoked license. A Driver Exclusion Form must accompany the application. 3. Applications where the Named Insured has never been licensed and the other listed driver is not a household member. A Driver Exclusion Form must accompany the application. 4. Ineligible vehicles. (See list) 5. Any risk with more than 10 points. (1/2 points are to be used to calculate total points.) 6. Operators not possessing a valid Delaware driver's license. Operators licensed in other states must obtain a Delaware license within 30 days of policy inception. (The policy will be surcharged two points at the effective date. The points will be removed if we receive verification of a valid Delaware driver s license within 30 days.) 7. Foreign exchange students, foreign business trainees, or persons driving with a foreign country driver's license 8. Risks submitted without a permanent telephone number where the insured can be reached. 9. Vans, pickups or panel trucks with a load capacity in excess of 2000 pounds 10. Vehicles used for retail or wholesale delivery including magazines, food (pizza, etc.), newspapers, and mail delivery 11. Vehicles used for livery or taxi service, including vehicles used to haul nursery or school children, migrant workers, or hotel/motel guests 12. Any vehicle equipped in any way for snow plowing 13. Vehicles without a valid garaging address 14. Vehicles used for racing 15. Emergency vehicles 16. Any of the following types of vehicles: antiques, classics, collector's items, custom built autos, limited edition autos, restored, modified and/or customized autos, street rods, dune buggies, electric, kit, stainless steel or all aluminum body autos 17. Gray market vehicles 18. Vehicles available to multiple drivers for sales, farming or artisan use 19. Vehicles leased or rented to others by the applicant 20. Applicants who have been convicted of insurance fraud 21. A risk where one of the vehicles is over 41 years old 23. Comprehensive and collision on a vehicle more than 15 years old is not acceptable. 24. Any vehicle that is used for a business purpose more than 25% of the time - 5 -
7 VIOLATION SURCHARGES DRIVING RECORD SURCHARGES AIICO rates their policies based on a maximum of a ten-point scale for driving activity within a three-year experience period. A clean risk is a 0. Every moving violation is rated at a half point. We do not charge for half points, therefore it takes two moving violations to have a surcharge increase. If you have an accident and a moving violation on a different day, the moving violation being a half point will not add to the surcharge. When an accident and violation(s) are the result of the same occurrence, we only charge for the highest. More than one violation from an occurrence will be rated on the highest rated violation only. A list of AIICO s surcharges is as follows: DESRIPTION SURCHARGE Moving violation ½ point Chargeable accidents Inexperienced operator Failure to provide financial responsibility Non-Delaware license DUI violations 1 point 1 point 1 point 2 points 3 points Leaving the scene of an accident 3 points Driving while under suspended or revoked license or driving without a license Major Violations Minor Non-Moving Violations 3 points 3 points ½ point Non-United States license Unverifiable driving record * Failure to respond suspensions are not charged 4 points 4 points OTHER SURCHARGES PLEASURE USE WITH MILEAGE 10,000 MILES OR MORE ANNUALLY - There is a 20% surcharge for pleasure use when the annual mileage of the vehicle is 10,000 or more. This applies for both Physical Damage and Liability coverages. BUSINESS USE - A 40% surcharge applies to all coverages when the vehicle is required by or customarily involved in the business duties of the applicant.
8 - 6 - DISCOUNT PROGRAMS MULTI-CAR DISCOUNT If there is more than one vehicle to be insured under the policy, a multi-car discount will apply to Bodily Injury, Property Damage, Medical Benefits, Income Loss, Comprehensive and Collision coverages for all vehicles. PRIOR COVERAGE DISCOUNT - 20%/15%/10% A 20% discount applies if the insured s prior coverage has been in effect for 6 successive months and there has been no lapse in coverage. Proof of prior coverage must be supplied. A 15% discount applies if the insured's prior coverage has not lapsed for more than 1-10 days from the prior policy's expiration date and proof of coverage can be supplied. A 10% discount applies if the insured's prior coverage has not lapsed more than days from the prior policy's expiration date and proof of coverage can be supplied. Prior coverage will be granted if: The insured's prior personal auto policy must have provided coverage for six continuous months with the same Company without lapse. The expiration or cancel date must be no more than 30 days prior to the AIICO policy inception date. The named insured on the AIICO policy must be listed on the previous policy. Examples of proof of prior coverage are: Company issued offer to renew the prior policy Company issued letter of intent to non-renew Cancellation notice from prior carrier A Declarations page for the prior term is not acceptable. PAID IN FULL DISCOUNT - 5% A 5% discount applies to each coverage when 100% of the policy premium for the indicated term is paid at the time of binding. GOOD CUSTOMER DISCOUNT - 2.5%/ 5%/10% Customers of AIICO will receive a Good Customer Discount if their current policy has been in force with AIICO for at least 3, 6, or 12 continuous months, no prior balances are owed to the company and the risk still meets the company s Underwriting Guidelines. For a 3-month policy a 2.5% discount is given if the policy renews. For a 6-month policy a 5% discount is given if the policy renews. A 12-month policy receives the full 10% discount as long as the policy renews. Each successive renewal earns a discount as long as the policy renews until it reaches it s maximum of 10%. HOMEOWNERS' DISCOUNT - 5% A Homeowners' Discount of 5% is applicable for those customers who own their own primary residence. Proof of ownership can be a copy of a current Homeowner Insurance policy with the named insured listed on the dec. page, a copy of the mortgage coupon, or tax records
9 DISCOUNT PROGRAMS - (cont'd) ANTI-THEFT DISCOUNT - 10% A 10% discount shall apply to all private passenger motor vehicles equipped with a passive antitheft device. The discount is applicable to comprehensive coverage only. A passive device is defined as any item or system designed to prevent unauthorized use, which is installed in the auto and activates automatically when the operator turns the ignition key to the off position. The term does not include an ignition interlock provided by the original automobile manufacturer. PASSIVE RESTRAINT DISCOUNT A 15% discount shall apply to PIP coverages for all vehicles equipped with passive seat belts. A 20% discount shall apply to all vehicles with a driver's side airbag. A 30% discount will apply to all vehicles with two airbags. If a vehicle has multiple devices, only the highest discount shall apply. DEFENSIVE DRIVING DISCOUNT A 10% discount on the BI, PD, and PIP premiums will be applied to all private passenger vehicles on the policy, if all operators complete the course. A certificate certifying voluntary attendance and successful completion within the last 36 months must be submitted to the company. The discount shall terminate at the policy expiration subsequent to the expiration of three years since completion of the course. An insured may take an advanced defensive driving course within 90 days of expiration of the course mentioned above and receive a 15% discount for an additional 3-year period. Discounts shall not overlap. ADVANCE QUOTE DISCOUNT Insured has prior coverage with no lapse in coverage a 2.5% discount on the BI, PD, PIP, COMP, and COLL premiums will be applied when a policy is issued to the company 1-5 days prior to the policy renewal effective date. Insured has prior coverage with no lapse in coverage a 5% discount on the BI, PD, PIP, COMP, and COLL premiums will be applied when a policy is issued to the company 6+ days prior to the policy renewal effective date. NOTE: THE MAXIUMUM ALLOWABLE DISCOUNT BY COVERAGE IS 35%
10 COVERAGES BODILY INJURY Bodily Injury Coverage can be purchased at the following amounts: 15,000/30,000 20,000/40,000 25,000/50,000 50,000/100, ,000/300,000 PROPERTY DAMAGE Property Damage Coverage can be written in the following amounts: 10,000 25,000 50,000 PERSONAL INJURY PROTECTION Personal Injury Protection Coverage can be written in the following amounts: 15,000/30,000 20,000/40,000 25,000/50,000 50,000/100, ,000/300,000 PIP deductible options are: $0, $250, $500, $1000, $2000, $5000, and $10,000 (PIP deductible applies to Named Insured Only or Named Insured and Members of Household) PHYSICAL DAMAGE 1. Comprehensive allowed without Collision (if Bodily Injury and Property Damage coverage are purchased). 2. We do not cover custom furnishings or equipment not permanently installed by the original automobile manufacturer, including sound receiving or transmitting equipment designed for use as citizens band radios, two-way radios, telephones, scanning monitor receivers, television sets, or their accessories or antennas. 3. Physical Damage only policies are not allowed. DEDUCTIBLE OPTIONS Comprehensive and Collision deductibles can be written in any combination of the following levels: $100 $250 $500 $1000 $
11 COVERAGES (cont'd) TOWING AND LABOR COVERAGE Towing and Labor can be purchased in two increments of coverage. 1. $50.00 for each disablement on a covered vehicle subject to a $ maximum limit for a six month term. 2. $75.00 for each disablement on a covered vehicle subject to a $ maximum limit for a six month term.. RENTAL REIMBURSEMENT COVERAGE Rental Reimbursement reimburses the insured for the lesser of actual daily rental charges or $20.00 per day for a maximum of 30 days for each qualified disablement on a covered vehicle. Qualified disablement means a loss covered by Liability, Comprehensive or Collision sections of the policy. Rental reimbursement may be purchased for any vehicle covered by Collision coverage. ADDITIONAL CUSTOM PARTS AND EQUIPMENT COVERAGE Comprehensive and Collision coverage provide protection for equipment installed by the original automobile manufacturer. Additional Custom Parts and Equipment Coverage provides physical damage protection for any permanently installed add-on equipment except radar detectors or equipment for cooking or bathrooms. To purchase this coverage, the insured must provide an itemized list of additional equipment and pay the appropriate premium. Additional Customized Equipment Coverage is subject to a $50 deductible and provides coverage up to the lesser of actual cash value or the stated amount specified by the insured. Maximum allowable coverage is $1000. ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE Accidental Death and Dismemberment id an optional coverage available for each named insured per accident that is caused by an automobile accident. Available policy limits range from $1,000 to $10,
12 POLICY TERM & PAYMENT OPTIONS POLICY TERM You have the option of writing a 3-month, 6-month, or 12 month policy for you customers. PAYMENT OPTIONS Minimum Number of Installment Policy Term Bill Plan Down Pay Installments Due Days 3 months Paid in full 95%* 0 N/A 6 months** Paid in full 95%* 0 N/A 5 pay plan 25% 4 25, 55, 85, pay plan 20% 5 20, 50, 80, 110 ***5 pay plan 16.67% 5 20, 50, 80, months Paid in full 95%* 0 N/A 11 pay plan 12.5% 10 25, 55, 85, 115, , 205, 235, 265, pay plan 10% 11 20, 50, 80, 110, , 200, 230, 260, pay plan 8.34% 11 16, 46, 76, 106, 136, 66, 196, 226, 256, 286, 316 ***12 pay plan 5.5% 11 20, 50, 80, 110, , 200, 230, 260, 290 *There is a 5% discount for those customers wishing to pay their term premium in full. ** All Published Rates are based on a six month term. ***Direct Billed and Electronic Funds Transfer (EFT) Pay Plans Electronic Funds Transfer (EFT) EFT may be initiated at the time of new business. However, the initial down payment cannot be withdrawn via insured EFT and must be submitted via another payment method. EFT available at policy renewal, if requested no less than 15 days before the renewal date of the policy. The Company may remove the ability to use the EFT pay plan if an insured has two or more insufficient sweeps in one policy period. An EFT authorization form is required to be completed and must be retained by the agent. EFT only available for 6 and 12 month term policy.
13 SERVICE CHARGES $11.00 per installment or interim bill fee per policy $ 4.00 per installment when electronic funds transfer (EFT) pay plan is selected $12.00 late fee for payments made after the due date $30.00 NSF fee for bounced checks $30.00 nonrefundable policy fee per policy term $15.00 reinstatement fee $50.00 cancellation fee BILLING ADDRESS AIS P.O. Box Philadelphia, PA
14 INELIGIBLE VEHICLE LISTING This listing indicates cars and trucks that cannot be written with AIICO. They follow make and model. Model year will not be considered. We can't list all of the vehicles. AIICO reserves the right to cancel a risk for a vehicle that clearly does not fit the general guidelines we have set. Please call your Territory Manager or Customer Service Representative if you have any questions concerning a vehicle. GENERAL RULES: 1. No vehicles with a value of over $40, Customized off-road vehicles 3. Vehicles over 15 years old (PHYSICAL DAMAGE ONLY) 4. Motorcycles 5. Motor Homes 6. Vehicles generally considered to be used for commercial use: ie: Step Vans SPECIFIC MODELS: ACURA NX ALFA ROMERO AUDI A8 CHEV. CORVETTE DELOREAN DODGE STEALTH DODGE VIPER FERRARI FIAT HUMMER JEEP CJ5 & CJ7 MASSERATI MG MITSUBISHI 3000 PORSCHE YUGO
PENNSYLVANIA AGENT S MANUAL
PENNSYLVANIA AGENT S MANUAL AMERICAN INDEPENDENT INSURANCE COMPANY SUITE 300, 1000 RIVER ROAD, CONSHOHOCKEN, PA 19428 (610) 832-4940 FAX (877) 791-2442 AMERICAN INDEPENDENT INSURANCE COMPANY American Independent
More informationKansas Private Passenger Auto Program Underwriting Guide
Underwritten by: Benchmark Insurance Company Kansas Private Passenger Auto Program Underwriting Guide New Business Effective Date: 2014/07/14 Renewals Effective: 2014/08/14 TABLE OF CONTENTS IMPORTANT
More informationVISION INSURANCE COMPANY
VISION INSURANCE COMPANY PRIVATE PASSENGER AUTOMOBILE PROGRAM Rating Guidelines Vision Monthly Limited - VML VISION INSURANCE COMPANY 1800 Lee Trevino, 2 nd Floor El Paso, Texas 79936 877.987.7466 EFFECTIVE:
More informationR.M.I.S. ROBERT MORENO INSURANCE SERVICES SAVI RANCH PARKWAY YORBA LINDA, CA PHONE:
R.M.I.S. ROBERT MORENO INSURANCE SERVICES 22860 SAVI RANCH PARKWAY YORBA LINDA, CA 92887 PHONE: 714-738-1383 213-383-5590 Harco National Insurance Company Private Passenger Auto Program - General Rules
More informationCALIFORNIA UNDERWRITING & RATE MANUAL
CALIFORNIA UNDERWRITING & RATE MANUAL Administered by: ACCESS GENERAL INSURANCE AGENCY OF CALIFORNIA, LLC CDI#0C21630 PO Box 105866 Atlanta, Georgia 30348-5866 ACA RATER Edition 17 (9/01/14) 1 Customer
More informationMANAGED. deviations. received by. NGM within % down. B. Notice. for rating.
MANAGED COMPETITION NGM Insurance Company utilizes the Automobile Insurers Bureau of Massachusetts (AIB) advisory rule manual effective April 1, 2018 as its base manual. NGM files company specific rates
More informationNational Unity Insurance Company. Personal Auto Program
National Unity Insurance Company Personal Auto Program TEXAS AGENT RULE GUIDE Effective December 1, 2015 New Business January 1,2016 Renewals Underwritten by National Unity Insurance Company through Endeavor
More informationNew York. November 11, Underwritten by Integon National Insurance Company
New York November 11, 2014 Underwritten by Integon National Insurance Company Table of Contents Contact Information... 1 Unacceptable Risks... 2 Coverages... 3 Discounts... 5 Surcharges... 6 Quote Information...
More informationLonestar managing general Agency, inc. Maverick Private passenger Auto. underwriting guide
Lonestar managing general Agency, inc. Maverick Private passenger Auto underwriting guide Underwritten by: Old American county mutual Fire Insurance company Effective date: New Business May 07, 2012 Renewals
More informationOREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD CREDITS AND OPTIONS
ACCIDENT FORGIVENESS 1. For a policy that has had no at fault accidents in the prior three years, any surcharge for the first at fault accident caused by rated drivers 18 years or older will be waived.
More informationAFFIRMATIVE INSURANCE SERVICES
AFFIRMATIVE INSURANCE SERVICES Texas Choice OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY AUTOMOBILE PROGRAM Underwriting Guide March 2014 AFFIRMATIVE INSURANCE SERVICES DIRECTORY MAILING ADDRESS Affirmative
More informationILLINOIS PRIVATE PASSENGER AUTO. September 1, 2015 TABLE OF CONTENTS
ILLINOIS PRIVATE PASSENGER AUTO September 1, 2015 TABLE OF CONTENTS 1. Definitions 2 2. Personal Automobile Policy-Eligibility. 2 3. Premium Determination 3 4. Classifications. 4-9 5. Driving Record Points...
More informationFL LIC: L Underwritten By: Century-National Insurance Company Private Passenger Automobile Program Value Manual FLORIDA
FL LIC: L088055 Underwritten By: Century-National Insurance Company Private Passenger Automobile Program Value Manual FLORIDA May 2017 P.O. Box 12150 Telephone (844)776-4361 CENTURY-NATIONAL INSURANCE
More informationOREGON MUTUAL INSURANCE COMPANY AUTOMOBILE POLICY CREDITS AND OPTIONS
ACCIDENT PREVENTION COURSE CREDIT Discount for drivers 55 years or older A credit applies to drivers age 55 or older who have successfully completed a traffic safety course approved by the Department of
More informationTX Automobile MAP Program
Administered by MIC Insurance Agency, Inc. TABLE OF CONTENTS Section Page Section Page Accidents 13 Named Driver Exclusion 17 Application Submission 3 Non-Owner (Named Operator Policy) 11 Binding Authority
More informationMASSACHUSETTS ENDORSEMENT - M-0108-S. Personal Vehicle Sharing Exclusion
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
More informationGovernment Employees Insurance Company Executive Summary Late Update 2/18/2010
Government Employees Insurance Company Executive Summary Late Update 2/18/2010 Initial Filing May 18, 2009 Policy Changes Towing and Labor replaced by Mechanical Breakdown Insurance (Part 13) 5. Your Auto
More informationLonestar managing general Agency, inc. STANDARD Private passenger Auto. underwriting guide
Lonestar managing general Agency, inc. STANDARD Private passenger Auto underwriting guide Underwritten by: Old American county mutual Fire Insurance company Effective date: New Business: January 01, 2016
More informationMASSACHUSETTS Automobile Rating Manual
MASSACHUSETTS Automobile Rating Manual Class-Territory Base Rates Part 1 (A-1: 20/40 Bodily Injury) Class Class Class Class Class Class Class Class Territory 10 17 18 20 21 25 26 30 1 183 327 205 613 321
More informationTexas. Personal Auto Program SPECIALTY PERSONAL LINES. New Business: 12/15/2014 Renewal Business: 2/13/2015. Hallmark 123 Hallmark 612
SPECIALTY PERSONAL LINES Texas New Business: 12/15/2014 Renewal Business: 2/13/2015 Personal Auto Program Hallmark 123 Hallmark 612 BINDING AUTHORITY: AGENT S OBLIGATION It is the agent s obligation to
More informationOREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD RULES AND UNDERWRITING
DRIVER RULES AND DEFINITIONS D-1 Use Classifications Defined 1. "Pleasure Use" means there is no business use of the automobile and it is not used in the course of driving to or from work or school a distance
More informationOCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA RENEWAL OFFER PREMIUM NOTICE PA Policy Number: Due Date:
OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA RENEWAL OFFER PREMIUM NOTICE PA 15 84 08 13 Insured: Producer: Policy Number: Due Date: MINIMUM DUE: POLICY BALANCE: Print Date: Make check payable
More informationMASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE MANUAL Plymouth Rock Assurance COlporation Rules Exceptions
Plymouth Rock Assurance COlporation Please replace rules from the 2007 Massachusetts Private Passenger Auto manual with the corresponding new rules listed below. Note that in the rules that were required
More informationCOVERAGE SELECTIONS PAGE{PEERLESS INSURANCE COMPANY} This page and any attached endorsements form a part of your policy
COVERAGE SELECTIONS PAGE{PEERLESS INSURANCE COMPANY} This policy is Issued By: Massachusetts Personal mobile Policy Number: X 9 ITEM 1. This policy is Issued To: Agent: Agent Code: 9 Agent Phone (9) 9-
More informationNORTH CAROLINA PERSONAL AUTO APPLICATION
NORTH CAROLINA PERSONAL AUTO APPLICATION (MM/DD/YYYY) AGENCY APPLICANT'S NAME AND MAILING ADDRESS (Include county & ZIP+4) TELEPHONE NUMBER FIRE DIST CONTACT NAME: PHONE (A/C, No, Ext): FAX (A/C, No):
More informationAPPLICATION FOR MASSACHUSETTS MOTOR VEHICLE INSURANCE PRODUCER CODE: APPLICANT'S NAME, RESIDENTIAL ADDRESS AND ZIP PHONE:
APPLICATION FOR MASSACHUSETTS MOTOR VEHICLE INSURANCE PRODUCER CODE: APPLICANT'S NAME, RESIDENTIAL ADDRESS AND ZIP PHONE: BINDER/POLICY #: EFFECTIVE DATE EXPIRATION DATE MAIL ADDRESS (IF DIFFERENT) [COMPANY
More informationConnections DriveSmart Advantage - Massachusetts
Connections DriveSmart Advantage - Massachusetts For an increased premium, coverage is changed to that as shown below. Ultimate Towing and Labor When the Roadside Assistance Coverage endorsement is on
More informationSafety Insurance Company Safety Indemnity Insurance Company Safety Property and Casualty Insurance Company
Safety Insurance Company Safety Indemnity Insurance Company Safety Property and Casualty Insurance Company Massachusetts Private Passenger Auto THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
More informationAUTOMOBILE. NYCM Preferred. Prism Plus: NYCM s Preferred Business Rating Program
AUTOMOBILE NYCM Preferred Prism Plus: NYCM s Preferred Business Rating Program Underwriting Rules and Rates Effective: 3/01/2017 New Business and Renewals NYCM INSURANCE PERSONAL VEHICLE MANUAL TABLE OF
More informationALABAMA PRIVATE PASSENGER AUTO. June 1, 2015 TABLE OF CONTENTS
ALABAMA PRIVATE PASSENGER AUTO June 1, 2015 TABLE OF CONTENTS 1. Definitions 2 2. Personal Automobile Policy-Eligibility. 2-3 3. Premium Determination 3 4. Classifications. 4-8 5. Driving Record Points...
More information21 st Century General Agency Inc Managing General Agency for Old American County Mutual Fire Insurance Company
PRIVATE PASSENGER AUTOMOBILE LIABILITY & PHYSICAL DAMAGE INSURANCE New Business Effective 11/01/14 Renewal Business Effective 11/01/14 21 st Century General Agency Inc Managing General Agency for Old American
More informationMendota Insurance Company MAP VP Program TABLE OF CONTENTS. Page Section. Page Accidents
TABLE OF CONTENTS Section Page Section Page Accidents 15 Named Driver Exclusion 19 Application Submission 3 Named Operator Policy (Named Non-Owner) 10 Binding Authority 3 Payment Options 5 Business Use
More informationNEW HAMPSHIRE PERSONAL AUTO APPLICATION
AGENCY NEW HAMPSHIRE PERSONAL AUTO APPLICATION APPLICANT'S NAME AND MAILING ADDRESS (Include county & ZIP+4) TELEPHONE NUMBER (MM/DD/YYYY) CONTACT NAME: PHONE (A/C, No, Ext): FAX (A/C, No): E-MAIL ADDRESS:
More informationARBELLA MUTUAL MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE RULES/RATES MANUAL
RULE 19. DISCOUNTS ARBELLA MUTUAL MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE RULES/RATES MANUAL Multi-Car Individual/Spouse Discount An individual (or lawfully married individuals residing in
More informationWelcome to Alfa Insurance Arkansas
Welcome to Alfa Insurance Arkansas Alfa understands we are only successful when our producers are successful. With that in mind our programs have been developed to give you the tools to win business. We
More informationNew York Personal Auto Revised August 26, 2017
New York Personal Auto Revised August 26, 2017 Underwritten by: National General Insurance Company Table of Contents Contact Information... 1 Eligibility Rules... 2 Insureds and Drivers... 3 Vehicle Usage...
More informationSECTION I - GENERAL RULES MASSACHUSETTS AUTOMOBILE INSURANCE POLICY - ELIGIBILITY
MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL SECTION I - GENERAL RULES The following rules are applicable to Liberty Mutual Group policies written by either Liberty Mutual Insurance Company
More informationApplication for Rental Autos & Trucks B Short Term
Application for Rental Autos & Trucks B Short Term (Hour, Day or Week) NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL LIABILITY & FIRE INSURANCE COMPANY Administrative Office - Omaha, Nebraska Policy
More informationMASSACHUSETTS AUTOMOBILE INSURANCE MANUAL PRIVATE PASSENGER RESIDUAL MARKET
MASSACHUSETTS AUTOMOBILE INSURANCE MANUAL PRIVATE PASSENGER RESIDUAL MARKET AS OF OCTOBER 1, 2016 Printed and Distributed by Commonwealth Automobile Reinsurers, 225 Franklin Street, Boston, MA 02110 TABLE
More informationMETROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY AUTOMOBILE MANUAL MASSACHUSETTS
SECTION I - GENERAL RULES............................................................... 1 RULE 1 - AUTOMOBILE INSURANCE POLICY - ELIGIBILITy... 1 RULE 2 - COVERAGES AND LIMITS..... 2 RULE 3 - MANDATORY
More informationUnderwriting Guide. for the Omni Insurance Group. South Carolina Omni Insurance Company Effective 2/4/11. REFERENCE INFORMATION (Revised 03/18/13)
Underwriting Guide for the Omni Insurance Group Effective 2/4/11 REFERENCE INFORMATION (Revised 03/18/13) CUSTOMER SERVICE Customer Service Center: (866) 300-6433 Customer Service Fax: (800) 983-3633 Customer
More informationUnderwriting Guidelines Automobile Nevada
Underwriting Guidelines Automobile Nevada Edition Date 12/1/2016 General Procedures Policy Period The CSE automobile policy is written for a term of 6 or 12 months. Renewals are continuous and based upon
More informationSUB-SECTION 1 ENDORSEMENTS APPLICABLE TO POL 1 (OWNER S POLICY)
FACILITY ASSOCIATION Section S - s Notes: 1. No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s) of Insurance.
More informationPERSONAL LINES MOTORCYCLE /ATV/SNOWMOBILE UNDERWRITING GUIDE
8655 E Via De Ventura Scottsdale, AZ 85258-3321 (800) 535-1333 (480)483-8666 A.M. Best Rated A, Excellent PERSONAL LINES MOTORCYCLE /ATV/SNOWMOBILE UNDERWRITING GUIDE (Information in your State specific
More informationMASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL
The filing of a financial responsibility certificate of insurance as the result of a conviction of a motor vehicle violation requires the following premium adjustments to be added to the otherwise applicable
More informationApplication for Rental Autos & Trucks Short Term
Application for Rental Autos & Trucks Short Term (Hour, Day or Week) COLUMBIA INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL LIABILITY & FIRE INSURANCE COMPANY
More informationFlorida. Umbrella Product Guide. What s New Effective Date of Revised Material Updates
Table of Contents Florida Umbrella Product Guide What s New Effective Date of Revised Material Updates Product Overview Description of Coverage Policy Term Retained Limit Insured Eligibility Home Care
More information1. For this coverage to apply, at the time of the loss, the at-fault operator must: a. be an experienced operator (licensed at least six years); and
QUINCY MUTUAL GROUP MERIT RATING POINTS/ACCIDENT FORGIVENESS ENDORSEMENT QMAF 04 13 This endorsement provides forgiveness of the additional premium generated by merit rating points associated with at-fault
More informationTHE CINCINNATI INSURANCE COMPANY
1. INSURANCE SCORING MESSAGES A. An Insurance Scoring Message will be secured for new and renewal business and used in conjunction with loss and violation history to determine eligibility for credits.
More informationApplication for Massachusetts Motor Vehicle Insurance
[Company Name] Date: // INSURANCE INFORMATION Named Insured: Mailing Address: Street Name City State Zip Code Policy Number: 123-456-789012-34-5 6 Policy Effective From: mm/dd/yyyy to mm/dd/yyyy Total
More informationSENATE BILL No October 4, 2011, Introduced by Senators KAHN, MARLEAU and PAPPAGEORGE and referred to the Committee on Insurance.
SENATE BILL No. 720 October 4, 2011, Introduced by Senators KAHN, MARLEAU and PAPPAGEORGE and referred to the Committee on Insurance. A bill to amend 1956 PA 218, entitled "The insurance code of 1956,"
More informationApplication for Rental Autos & Trucks Short Term
Application for Rental Autos & Trucks Short Term (Hour, Day or Week) COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA
More informationCompanies: State Farm Fire and Casualty Company, State Farm Mutual Automobile Insurance
/ Filing at a Glance Companies: State Farm Fire and Casualty Company, State Farm Mutual Automobile Insurance SERFF Tr Num: SFMA-127152794 State: Iowa TOI: 19.0 Personal Auto SERFF Status: Closed-Approved
More informationApplication for Rental Autos & Trucks Short Term
Application for Rental Autos & Trucks Short Term (Hour, Day or Week) National Fire & Marine Insurance Company National Indemnity Company of the South National Liability & Fire Insurance Company Policy
More informationWisconsin Personal Auto Sheboygan Falls
STATE LINE OF BUSINESS UNDERWRITING COM- PANY Wisconsin Personal Auto Sheboygan Falls Any questions you may have regarding these manual pages should be addressed to your Sheboygan Falls Mutual field representative
More informationPersonal Lines Automobile Manual. Aviva Insurance Company of Canada
SASKATCHEWAN Personal Lines Automobile Manual Aviva Insurance Company of Canada www.avivacanada.com PRIVATE PASSENGER SPECIAL PROGRAMS Driver assistance that revolves around you SATELLITE PROGRAM Satellite
More informationPERSONAL AUTO MANUAL
PERSONAL AUTO MANUAL TABLE OF CONTENTS ITEM RULE # PA PAGE Antique Autos... 18... 25-26 Application Procedure... 33... 37 Artisan Rating Factor...... 48 Auto Loan/Lease Coverage... 25... 34 Campers (See
More informationThe Norfolk & Dedham Mutual Fire Insurance Company
The Norfolk & Dedham Mutual Fire Insurance Company MASSACHUSETTS ENDORSEMENT ND-0001-S PersonalPak Auto With respect to the additional coverages provided by this endorsement, the terms of the policy apply
More informationEconomy Preferred Insurance Company. North Carolina Automobile. Age 55 and Over Deviation (See Rule 4.H.2 Optional Rating Characteristics)
Age 55 and Over Deviation (See Rule 4.H.2 Optional Rating Characteristics) The Age 55 and Over Deviation applies to the premium for those vehicles that meet the following conditions: (1) the assigned operator
More informationApplication for Rental Autos & Trucks B Short Term
Application for Rental Autos & Trucks B Short Term (Hour, Day or Week) Policy Term From: To 1. Name of Applicant 2. a. Address of Applicant (Number) (Street) (City) (County) (State) (Zip Code) b. Address
More informationFor Internal Use Only
Introducing Teachers Insurance Plan of NJ to Prudential 0231318-00001-00 AGENDA OVERVIEW Product Background on Teachers Features and Benefits Agent Web Quoting & Issuing a Teachers Policy Q&A 2 Teachers
More informationAccident Forgiveness
Accident Forgiveness This endorsement changes the policy. Please read it carefully. Accident Forgiveness Accident Forgiveness means that we will waive and not assign points for an at-fault accident under
More informationCapitol Insurance Company. Personal Automobile. Rate and Rule Manual. Underwriting and Procedures Manual
Capitol Insurance Company Personal Automobile Rate and Rule Manual & Underwriting and Procedures Manual 1120 Welsh Rd., Suite 220, North Wales, PA 19454 Phone: 215-956-9399 Fax: 215-956-9436 Effective
More informationLOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
More informationPERSONAL AUTO MANUAL
PERSONAL AUTO MANUAL TABLE OF CONTENTS ITEM RULE # PA PAGE Antique Autos... 18... 24-25 Application Procedure... 33... 36 Artisan Rating Factor...... 47 Auto Loan/Lease Coverage... 25... 33 Campers (See
More informationAMERICAN MODERN MOTOR HOME SUBMISSION CHECK LIST
303 Lennon Lane Walnut Creek, CA 94598 (800) 955-8213 (925) 947-2990 Fax (925) 947-3978 License#0812739 www.jebrown.net AMERICAN MODERN MOTOR HOME SUBMISSION CHECK LIST PLEASE ATTACH TO YOUR SUBMISSION
More informationPLYMOUTH ROCK ASSURANCE CORPORATION. AARP Rewards Plus Endorsement
PRAC MA-113-12-13 AARP Rewards Plus Endorsement The benefits below are available to policies: That are part of the AARP Massachusetts Auto Insurance Program from Plymouth Rock Assurance. This endorsement
More informationVERMONT MUTUAL MASSACHUSETTS PERSONAL AUTOMOBILE MANUAL. The types of coverages available in the Massachusetts Automobile Insurance Policy are:
VERMONT MUTUAL MASSACHUSETTS PERSONAL AUTOMOBILE MANUAL RULE 2. COVERAGES AND LIMITS The types of coverages available in the Massachusetts Automobile Insurance Policy are: Compulsory Insurance Coverages
More informationPERSONAL AUTO MANUAL
PERSONAL AUTO MANUAL TABLE OF CONTENTS ITEM RULE # PA PAGE Antique Autos... 18... 25-26 Application Procedure... 33... 36 Artisan Rating Factor...... 48 Auto Loan/Lease Coverage... 25... 35 Campers (See
More informationWelcome to MetLife Auto & Home
Welcome to is happy to service Massachusetts Assigned Risk Plan policies. Included in this packet is information that will assist you when answering questions for your clients, submitting payments, and
More informationValuePlus Auto Product Guide
Table of Contents ValuePlus Auto Product Guide Rule # Rule # A. Alarm Credits... 5.C.11. Annual Mileage... 5.C.1. Anti-Theft Devices... 5.C.11. Antique Autos... 20.F.1. Assignment of Drivers... 5.C.7.
More informationAUTOMOBILE INSURERS BUREAU OF MASSACHUSETTS MEDICAL PAYMENTS ENDORSEMENT M-109-S
AUTOMOBILE INSURERS BUREAU OF MASSACHUSETTS MEDICAL PAYMENTS ENDORSEMENT M-109-S This endorsement includes changes that affect your auto insurance. Please read the endorsement carefully to see how it affects
More information6. Add the rate associated with the Auto Elite Program under Rule 2, if applicable, to the total vehicle premium developed.
Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be (1) annual mileage, (2) multi-car, (3) passive restraint, (4) anti-theft, (5) continuous
More informationPERSONAL AUTO MANUAL
PERSONAL AUTO MANUAL TABLE OF CONTENTS ITEM RULE # PA PAGE Antique Autos... 18... 28-29 Application Procedure... 33... 40 Artisan Rating Factor...... 51 Auto Loan/Lease Coverage... 25... 37 Campers (See
More informationIncludes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2016
2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL QUINCY MUTUAL FIRE INSURANCE COMPANY Edition Date 04-01-2016 QUINCY MUTUAL FIRE INSURANCE COMPANY 57 Washington Street Quincy, MA 02169
More informationTABLE OF CONTENTS SECTION I - GENERAL RULES
TABLE OF CONTENTS SECTION I - GENERAL RULES Rule No. 1 Massachusetts Automobile Insurance Policy - Eligibility...1 2 Coverages and Limits...1 3 Mandatory Offer of Coverage...2 4 Standard Procedures...2
More informationPlease advise your agent as soon as possible if changes are needed or optional coverages are desired.
SFI INSURANCE Enclosed you will find an admitted renewal Personal Umbrella quote for WARREN DILL. The Expiring policy number is PCL1157656F and the expiration date is 11/24/2016. Section I- Section II-
More informationPartners Mutual Insurance. Private Passenger Auto Manual - Wisconsin
Partners Mutual Insurance Private Passenger Auto Manual - Wisconsin PRIVATE PASSENGER AUTO MANUAL WISCONSIN PPA - 1 INDEX Table Page General Rules PPA 2 - PPA - 15 Scorecard PPA 16 PPA - 19 Supreme Plan
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS ILLINOIS
PERSONAL AUTO PP 01 74 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF POLICY PROVISIONS ILLINOIS I. Definitions A. The following is added to the Definitions section:
More informationAutomobile Service Operations Application
Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY
More informationEthics and Use of the Highway Transportation System. HED 302s Driver Task Analysis Dale O. Ritzel, Ph.D., FAASE
Ethics and Use of the Highway Transportation System HED 302s Driver Task Analysis Dale O. Ritzel, Ph.D., FAASE Responsibility at the Scene of a Crash Injuries Other Roadway Users Emergency Personnel Revisit
More informationTEXAS AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK AUTO FLEX PROGRAM
TEXAS AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK AUTO FLEX PROGRAM NEW BUSINESS: 7/27/2015 RENEWALS: 7/27/2015 This Manual and Underwriting Guide provides summary information about our insurance products,
More informationPermitting the Transfer of Transportation Network Company Vehicles Effective January 1, 2019
November 2018 Risk Sharing Pool Eligibility Manual NOVA SCOTIA Permitting the Transfer of Transportation Network Company Vehicles Effective January 1, 2019 Risk Sharing Pool Eligibility Manuals have been
More informationCOMMERCIAL AUTO FACT FINDER
COMMERCIAL AUTO FACT FINDER CUSTOMER INFORMATION EFFECTIVE DATE: EXPIRATION DATE: INSURED NAME (as it should appear on the ID cards) INDIVIDUAL (Last Name, First Name): OR BUSINESS NAME: MAILING ADDRESS:
More informationUnderwriting Company: Integon Preferred Insurance Company Policy Number: Policy Period: 9/14/2016 3/14/2017
PO Box 3199 Winston Salem, NC 27102-3199 WILLIAM VONEHR III 3448 PERIDOT LN ZEPHYRHILLS FL 33540 Date: 10/5/2016 Underwriting Company: Integon Preferred Insurance Company Policy Number: 2004216645
More informationINDEX BY SUBJECT TABLE OF CONTENTS
RESIDUAL MARKET Section B - Private Passenger Vehicles INDEX BY SUBJECT Subject Rule Page Class Descriptions 106 4 Clean Driver Discount 102 4 Coverages 100 2 Deductibles 100 2 Definitions 101 2 Driving
More informationService is our Hallmark.
COUNTY MUTUAL Texas New Business: 1/1/11 Renewal Business: 1/1/11 Business Auto Program Annual Terms Semi-Annual Terms Service is our Hallmark. TARGET MARKET At Hallmark, our goal is to provide you with
More informationCOMMERCIAL AUTO TABLE OF CONTENTS
COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 14 Auto
More informationIncludes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2016
2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL QUINCY MUTUAL FIRE INSURANCE COMPANY Edition Date 04-01-2016 *Revised Effective 08-01-2016 QUINCY MUTUAL FIRE INSURANCE COMPANY 57 Washington
More informationOrdering Motor Vehicle Reports Effective April 1, 2016
December 2015 Risk Sharing Pool Eligibility Manual NEW BRUNSWICK Ordering Motor Vehicle Reports Effective April 1, 2016 The Risk Sharing Pool Eligibility Manual has been revised effective April 1, 2016
More informationCOMMERCIAL AUTO TABLE OF CONTENTS
COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 15 Auto
More informationPRODUCER S GUIDE
PRODUCER S GUIDE WWW.HEACOCKCLASSIC.COM 800.678.5173 Option 5 Dear Fellow Agent, Thank you for selecting Heacock Classic for your collector car insurance market. More and more people are getting involved
More informationEXPLANATORY MEMORANDUM STATE OF MASSACHUSETTS AIG PRIVATE CLIENT GROUP PERSONAL AUTOMOBILE PROGRAM AMERICAN INTERNATIONAL INSURANCE COMPANY
EXPLANATORY MEMORANDUM STATE OF MASSACHUSETTS AIG PRIVATE CLIENT GROUP PERSONAL AUTOMOBILE PROGRAM AMERICAN INTERNATIONAL INSURANCE COMPANY AIG Private Client Group (PCG) offers personal lines products
More informationARIZONA AGENT MANUAL AND UNDERWRITING GUIDE
ARIZONA AGENT MANUAL AND UNDERWRITING GUIDE HALLMARK PRIVATE PASSENGER AUTO PROGRAM NEW BUSINESS: 06/15/2015 MONTHLY RENEWALS: 06/15/2015 OTHER RENEWALS: 06/15/2015 This product and Underwriting Guide
More informationPresentation Slides. Lesson Nine. Cars and Loans 04/09
Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)
More informationVirginia Department of Education
Virginia Department of Education Module Ten Transparencies Driver Responsibilities: Making Informed Choices Topic 1 -- Insuring Vehicle Topic 2 -- Purchasing Vehicle Topic 3 -- Trip Planning Topic 4 Virginia
More informationAAA Member Package Endorsement
The Commerce Insurance Company 211 Main Street, Webster, MA 01570 AAA Member Package Endorsement The additional benefits and enhancements provided by this endorsement are available only to policies issued
More informationLife Benefit Employee Spouse Dependent Employee must elect coverage for Spouse or dependents to be eligible.
Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Vanguard Trucking Life Benefit Employee Spouse Dependent Employee must elect coverage for Spouse
More informationCOMMERCIAL AUTO TABLE OF CONTENTS
COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 8 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 14 Auto
More informationCOMMERCIAL AUTO TABLE OF CONTENTS
COMMERCIAL AUTO TABLE OF CONTENTS ITEM CA PAGE Additional and Return Premium Changes... 3 Antique Autos... 9 Application Procedure... 1 Audio, Visual and Data Electronic Equipment Added Limits... 17 Auto
More information