TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations

Transcription

1 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: Project Name/Number: CA-2011-BRLA1 Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Filing at a Glance Company: Insurance Services Office, Inc. Product Name: CA-2011-BRLA1 SERFF Tr Num: ISOF State: Maine TOI: 20.0 Commercial Auto SERFF Status: Closed-Approved State Tr Num: Sub-TOI: Commercial Auto Co Tr Num: CA-2011-BRLA1 State Status: Approved Combinations Filing Type: Rate Reviewer(s): Michael Blake Authors: Sheila Lemley, Arlene Disposition Date: 06/30/2011 Byrd, Anne Casillo, Patricia Prial, Kelly McClure, Richard DeSanctis, Laura Panesso Date Submitted: 06/29/2011 Disposition Status: Approved Effective Date Requested (New): 02/01/2012 Effective Date (New): 02/01/2012 Effective Date Requested (Renewal): 02/01/2012 Effective Date (Renewal): 02/01/2012 General Information Project Name: Revision of Commercial Auto Liability and Physical Status of Filing in Domicile: Not Filed Damage Loss Costs Project Number: CA-2011-BRLA1 Domicile Status Comments: Reference Organization: Reference Number: Reference Title: Advisory Org. Circular: Filing Status Changed: 06/30/2011 State Status Changed: 06/30/2011 Deemer Date: Created By: Kelly McClure Submitted By: Anne Casillo Corresponding Filing Tracking Number: CA-2011-RCP1 Filing Description: Revision of Commercial Auto Liability and Physical Damage Loss Costs. CA-2011-BRLA1 Insurance Services Office, Inc. (ISO) hereby files the captioned revision. This revision will be submitted under the following rule of application: PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

2 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: CA-2011-BRLA1 Project Name/Number: Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 These changes are applicable to all policies written on or after February 1, In accordance with your loss cost procedures, this effective date applies only to those insurers that have filed their Commercial Auto loss cost adjustments to be automatically applicable to future ISO loss cost revisions. Any other ISO participating insurer may adopt ISO loss costs by filing its loss cost multipliers and selecting an effective date. Please do not hesitate to contact me if you have questions regarding this filing. Your early approval will be greatly appreciated. Company and Contact Filing Contact Information Anne Casillo, Regional Director 319A Southbridge Street [Phone] Auburn, MA [FAX] Filing Company Information Insurance Services Office, Inc. CoCode: State of Domicile: Delaware 545 Washington Boulevard Group Code: Company Type: Advisory/Rating Organization Jersey City, NJ Group Name: State ID Number: (201) ext. [Phone] FEIN Number: Filing Fees Fee Required? Yes Fee Amount: $20.00 Retaliatory? No Fee Explanation: Filing Fee = $20.00 = Loss Cost Per Company: Yes COMPANY AMOUNT DATE PROCESSED TRANSACTION # Insurance Services Office, Inc. $ /29/ PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

3 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: CA-2011-BRLA1 Project Name/Number: Correspondence Summary Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Dispositions Status Created By Created On Date Submitted Approved Michael Blake 06/30/ /30/2011 PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

4 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: Project Name/Number: Disposition CA-2011-BRLA1 Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Disposition Date: 06/30/2011 Effective Date (New): 02/01/2012 Effective Date (Renewal): 02/01/2012 Status: Approved Comment: Company Name: Overall % Indicated Change: Overall % Rate Impact: Written Premium Change for # of Policy Holders Affected for this Written Premium for this Program: Maximum % Change (where required): Minimum % Change (where required): this Program: Program: Insurance Services Office, Inc % % $ $ % % PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

5 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: CA-2011-BRLA1 Project Name/Number: Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Schedule Schedule Item Schedule Item Status Public Access Supporting Document Actuarial Justification for Rate (Change) Approved Yes Supporting Document Experience Exhibit Approved Yes Supporting Document Expense Exhibit Approved Yes Supporting Document Advisory Organization Loss Cost Approved Yes Multiplier Form Supporting Document Executive Summary Approved Yes Supporting Document Supporting Documentation Approved Yes Rate Revised loss costs Approved Yes PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

6 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: Project Name/Number: Rate Information Rate data applies to filing. CA-2011-BRLA1 Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Filing Method: Rate Change Type: Decrease Overall Percentage of Last Rate Revision: % Effective Date of Last Rate Revision: 02/01/2011 Filing Method of Last Filing: Company Rate Information Company Name: Overall % Overall % Rate Written # of Policy Written Maximum % Minimum % Indicated Impact: Premium Holders Premium for Change (where Change (where Change: Change for Affected for this this Program: required): required): this Program: Program: Insurance Services Office, Inc % % % % PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

7 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: CA-2011-BRLA1 Project Name/Number: Rate/Rule Schedule Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Schedule Item Exhibit Name: Rule # or Page Rate Action Previous State Filing Attachments Status: #: Number: Approved 06/30/2011 Revised loss costs See attached Replacement ISOF CA-2011-BRLA1-ME- Sect E-Revised Prospective Loss Costs.pdf PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

8 MAINE COMMERCIAL AUTOMOBILE SECTION E - REVISED PROSPECTIVE LOSS COSTS Liability and Medical Payments... Physical Damage - All Coverages Except Garages... Hired Autos (Rule 90)... E2-E13 E14-E25 E26 Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-1

9 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 101 AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 250 $9 $14 $20 $29 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 227 $5 $8 $11 $15 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 1443 $52 $72 $102 $154 N/A SCHOOL AND CHURCH BUSES $ 153 $7 $10 $12 $15 N/A OTHER BUSES $ 1015 $32 $40 $51 $69 N/A VAN POOLS $ 348 $25 $35 $42 $55 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 667 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-2

10 MAINE (18) TERRITORY 102 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 231 $8 $13 $18 $26 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 220 $5 $8 $11 $14 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 1333 $48 $67 $95 $143 N/A SCHOOL AND CHURCH BUSES $ 141 $6 $9 $11 $14 N/A OTHER BUSES $ 938 $30 $37 $47 $64 N/A VAN POOLS $ 321 $23 $32 $39 $50 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 616 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-3

11 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 105 AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 107 $4 $6 $8 $12 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 118 $2 $4 $6 $8 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 617 $22 $31 $44 $66 N/A SCHOOL AND CHURCH BUSES $ 65 $3 $4 $5 $7 N/A OTHER BUSES $ 434 $14 $17 $22 $30 N/A VAN POOLS $ 149 $11 $15 $18 $23 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 286 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-4

12 MAINE (18) TERRITORY 107 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 174 $6 $10 $14 $20 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 247 $5 $9 $12 $16 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 1004 $36 $50 $71 $107 N/A SCHOOL AND CHURCH BUSES $ 106 $5 $7 $8 $11 N/A OTHER BUSES $ 706 $23 $28 $35 $48 N/A VAN POOLS $ 242 $17 $24 $29 $38 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 465 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-5

13 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 109 AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 99 $4 $6 $8 $11 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 96 $2 $3 $5 $6 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 571 $21 $29 $41 $61 N/A SCHOOL AND CHURCH BUSES $ 60 $3 $4 $5 $6 N/A OTHER BUSES $ 402 $13 $16 $20 $27 N/A VAN POOLS $ 138 $10 $14 $17 $22 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 264 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-6

14 MAINE (18) TERRITORY 120 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 162 $6 $9 $13 $18 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 141 $3 $5 $7 $9 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 935 $34 $47 $66 $100 N/A SCHOOL AND CHURCH BUSES $ 99 $4 $6 $8 $10 N/A OTHER BUSES $ 658 $21 $26 $33 $45 N/A VAN POOLS $ 225 $16 $23 $27 $35 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 432 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-7

15 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 121 AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 173 $6 $10 $13 $20 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 204 $4 $7 $10 $13 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 998 $36 $50 $71 $107 N/A SCHOOL AND CHURCH BUSES $ 106 $5 $7 $8 $11 N/A OTHER BUSES $ 702 $22 $27 $35 $48 N/A VAN POOLS $ 240 $17 $24 $29 $38 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 461 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-8

16 MAINE (18) TERRITORY 122 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 155 $6 $9 $12 $18 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 230 $5 $8 $12 $15 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 894 $32 $45 $63 $96 N/A SCHOOL AND CHURCH BUSES $ 95 $4 $6 $7 $10 N/A OTHER BUSES $ 629 $20 $25 $31 $43 N/A VAN POOLS $ 215 $15 $22 $26 $34 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 413 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-9

17 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 123 AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 154 $6 $9 $12 $18 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 164 $3 $6 $8 $10 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 889 $32 $44 $63 $95 N/A SCHOOL AND CHURCH BUSES $ 94 $4 $6 $7 $9 N/A OTHER BUSES $ 625 $20 $24 $31 $43 N/A VAN POOLS $ 214 $15 $21 $26 $34 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 411 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-10

18 MAINE (18) TERRITORY 124 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 183 $7 $10 $14 $21 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 169 $4 $6 $8 $11 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 1056 $38 $53 $75 $113 N/A SCHOOL AND CHURCH BUSES $ 112 $5 $7 $9 $11 N/A OTHER BUSES $ 743 $24 $29 $37 $51 N/A VAN POOLS $ 254 $18 $25 $31 $40 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 488 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-11

19 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 125 AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 193 $7 $11 $15 $22 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 149 $3 $5 $7 $10 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 1114 $40 $56 $79 $119 N/A SCHOOL AND CHURCH BUSES $ 118 $5 $8 $9 $12 N/A OTHER BUSES $ 784 $25 $31 $39 $53 N/A VAN POOLS $ 268 $19 $27 $32 $42 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 515 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-12

20 MAINE (18) TERRITORY 126 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES LIABILITY MEDICAL PAYMENTS PERSONAL INJURY PROTECTION Limit Per Person Limit Of Liab. $100, Basic Limits RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS $ 128 $5 $7 $10 $15 N/A RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS $ 159 $3 $6 $8 $10 N/A RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES $ 739 $27 $37 $52 $79 N/A SCHOOL AND CHURCH BUSES $ 78 $3 $5 $6 $8 N/A OTHER BUSES $ 520 $17 $20 $26 $35 N/A VAN POOLS $ 178 $13 $18 $22 $28 N/A RULE 49. AUTO DEALERS PREMIUM DEVELOPMENT $ 342 Refer to Rule 49. N/A For liability increased limits factors, refer to Rule 100. For liability fleet factors, refer to Rules 22. and 39. Other Than Auto losses for Garage risks are subject to an aggregate limit equal to three times the liability limit. For additional limits, refer to Rule 49. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-13

21 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 101 AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 22 $ 39 $ 116 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 40 $ 190 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 31 $ 54 $ 174 $ 13 $ 24 $ 74 $ 13 $ 24 $ 74 $ 31 $ 54 $ 174 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-14

22 MAINE (18) TERRITORY 102 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 18 $ 32 $ 101 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 29 $ 197 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 25 $ 44 $ 152 $ 11 $ 20 $ 65 $ 11 $ 20 $ 65 $ 25 $ 44 $ 152 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-15

23 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 105 AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 35 $ 60 $ 174 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 56 $ 193 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 49 $ 83 $ 261 $ 21 $ 37 $ 111 $ 21 $ 37 $ 111 $ 49 $ 83 $ 261 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-16

24 MAINE (18) TERRITORY 107 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 23 $ 40 $ 89 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 37 $ 212 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 32 $ 56 $ 134 $ 14 $ 24 $ 57 $ 14 $ 24 $ 57 $ 32 $ 56 $ 134 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-17

25 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 109 AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 46 $ 79 $ 131 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 52 $ 152 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 64 $ 110 $ 197 $ 28 $ 48 $ 84 $ 28 $ 48 $ 84 $ 64 $ 110 $ 197 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-18

26 MAINE (18) TERRITORY 120 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 37 $ 65 $ 114 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 46 $ 200 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 51 $ 90 $ 171 $ 23 $ 40 $ 73 $ 23 $ 40 $ 73 $ 51 $ 90 $ 171 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-19

27 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 121 AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 26 $ 46 $ 92 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 39 $ 162 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 36 $ 64 $ 138 $ 16 $ 28 $ 59 $ 16 $ 28 $ 59 $ 36 $ 64 $ 138 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-20

28 MAINE (18) TERRITORY 122 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 21 $ 37 $ 97 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 36 $ 220 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 29 $ 51 $ 146 $ 13 $ 23 $ 62 $ 13 $ 23 $ 62 $ 29 $ 51 $ 146 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-21

29 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 123 AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 28 $ 48 $ 96 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 42 $ 174 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 39 $ 67 $ 144 $ 17 $ 29 $ 61 $ 17 $ 29 $ 61 $ 39 $ 67 $ 144 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-22

30 MAINE (18) TERRITORY 124 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 26 $ 46 $ 87 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 35 $ 185 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 36 $ 64 $ 131 $ 16 $ 28 $ 56 $ 16 $ 28 $ 56 $ 36 $ 64 $ 131 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-23

31 COMMERCIAL LINES MANUAL MAINE (18) DIVISION ONE TERRITORY 125 AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 23 $ 40 $ 100 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 34 $ 178 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 32 $ 56 $ 150 $ 14 $ 24 $ 64 $ 14 $ 24 $ 64 $ 32 $ 56 $ 150 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-24

32 MAINE (18) TERRITORY 126 COMMERCIAL LINES MANUAL DIVISION ONE AUTOMOBILE LOSS COST PAGES PHYSICAL DAMAGE Original Cost New Range $15,001 20,000 Specified Causes Of Loss $500 Ded. Comp. $500 Ded. Coll. RULE 23. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS Local And Intermediate All Vehicles Long Distance Light Trucks And Trailers Used With Light Trucks $ 27 $ 47 $ 112 RULE 32. PRIVATE PASSENGER TYPES CLASSIFICATIONS N/A $ 47 $ 216 RULE 40. PUBLIC AUTO CLASSIFICATIONS TAXICABS AND LIMOUSINES SCHOOL AND CHURCH BUSES OTHER BUSES VAN POOLS $ 38 $ 65 $ 168 $ 16 $ 29 $ 72 $ 16 $ 29 $ 72 $ 38 $ 65 $ 168 For physical damage fleet factors, refer to Rules 22. and 39. For additional coverages, refer to the Additional Coverages Table in Rules 23. and 40. For Deductible factors, refer to Rule 98. For Original Cost New and Age Group factors, refer to Rule 101. For Stated Amount factors, refer to Rule 101. For Towing and Labor Costs Coverage rating, refer to Rule 34. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-25

33 90. HIRED AUTOS Cost Of Hire Basis All Territories Liability Base Loss Cost $ Table 90.B.3.b.(LC) Cost Of Hire Basis Liability Loss Cost Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 E-26

34 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: CA-2011-BRLA1 Project Name/Number: Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Supporting Document Schedules Satisfied - Item: Actuarial Justification for Rate (Change) Comments: Please refer to Supporting Documentation below. Item Status: Status Date: Approved 06/30/2011 Item Status: Status Date: Bypassed - Item: Experience Exhibit Approved 06/30/2011 Bypass Reason: N/A Comments: Item Status: Status Date: Bypassed - Item: Expense Exhibit Approved 06/30/2011 Bypass Reason: N/A Comments: Bypassed - Item: Bypass Reason: Comments: Advisory Organization Loss Cost Multiplier Form N/A Item Status: Status Date: Approved 06/30/2011 Item Status: Status Date: Satisfied - Item: Executive Summary Approved 06/30/2011 Comments: Attachment: CA-2011-BRLA1-ME-Executive Summary.pdf PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

35 SERFF Tracking Number: ISOF State: Maine Filing Company: Insurance Services Office, Inc. State Tracking Number: Company Tracking Number: CA-2011-BRLA1 TOI: 20.0 Commercial Auto Sub-TOI: Commercial Auto Combinations Product Name: Project Name/Number: CA-2011-BRLA1 Revision of Commercial Auto Liability and Physical Damage Loss Costs/CA-2011-BRLA1 Item Status: Status Date: Satisfied - Item: Supporting Documentation Approved 06/30/2011 Comments: Attachments: CA-2011-BRLA1-ME-Table of Contents.pdf CA-2011-BRLA1-ME-Sect A-Scope of Revision.pdf CA-2011-BRLA1-ME-Sect B-Calculation of Changes.pdf CA-2011-BRLA1-ME-Sect C-Supporting Material.pdf CA-2011-BRLA1-ME-Sect D-Off-balance Calculations.pdf PDF Pipeline for SERFF Tracking Number ISOF Generated 07/05/ :07 AM

36 MAINE BASIC LIMITS PROSPECTIVE LOSS COST LEVEL COMMERCIAL AUTOMOBILE FILING CA 2011 BRLA1 EXECUTIVE SUMMARY PURPOSE This document: revises the advisory prospective loss costs for the major Commercial Automobile classes. These loss costs represent a -7.9% statewide change from the loss costs currently in effect. provides the analyses used to derive these advisory loss costs. DEFINITION OF THE ISO ADVISORY PROSPECTIVE LOSS COST Advisory prospective loss costs in this document are that portion of a rate that does not include provisions for expenses (other than loss adjustment expenses) or profit, and are based on historical aggregate losses and loss adjustment expenses adjusted through development to their ultimate value and projected through trending to a future point in time. Throughout this document the words loss cost are synonymous with the words prospective loss cost. CLASSIFICATION PLAN REVISION: OFF-BALANCE FACTORS The advisory prospective loss costs presented in this document were developed for use with the revised class plan relativities presented in companion filing CA-2011-RCP1. In conjunction with the introduction of the revised classification plan factors, the application of the off-balance factors results in no overall loss cost level change, on average, due to the classification plan revision. A summary of the off-balance factors by coverage and the classification plan revisions are found in Section D of this filing. REVISED LOSS COST CHANGES The statewide advisory loss cost level changes are: Trucks, Tractors & Trailers Indicated Filed Single Limit Liability Physical Damage Other than Collision Collision Total Trucks, Tractors & Trailers -4.3% -4.8% -21.2% -8.2% -4.3% -4.8% -21.2% -8.2% Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 ES-1

37 REVISED LOSS COST CHANGES (CONT'D) Private Passenger Types Single Limit Liability Physical Damage Other than Collision Collision Total Private Passenger Types -5.9% -2.5% -7.3% -6.0% -5.9% -2.5% -7.3% -6.0% Garages Single Limit Liability -7.0% -7.0% Total Garages -7.0% -7.0% Grand Total -7.9% -7.9% Loss cost level changes are relative to the current loss costs. INDICATED VS. FILED Indicated changes are based on standard ISO methodology, utilizing a 02/01/2012 trend effective date. The filed loss cost level changes are the same as the indicated. Garage Dealers and Keepers Physical Damage will not be reviewed this year. PRIOR ISO REVISIONS The latest selected revisions in this state are: Filing CA-10-BRLA1 CA-09-BRLA1 CA-08-BRLA1 Rate Level/ Loss Costs Loss Costs Loss Costs Loss Costs Effective Date 02/01/11 02/01/10 02/01/09 Changes Indicated Filed Approved -6.2% -6.2% -6.2% 2.8% 2.8% 2.8% -4.1% -4.1% -4.1% Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 ES-2

38 HISTORICAL SOURCE DATA The sources of the data underlying this loss cost review are: ISO companies reporting voluntary automobile experience under the Commercial Automobile modules of ISO's statistical plans. Accident year data through year ended 6/30/2010 for all coverages. ADJUSTMENTS TO REPORTED EXPERIENCE Loss Trend To adjust the loss data to levels expected to prevail during the period when the revised loss costs will be in effect, historical losses have been multiplied by trend factors. These trend factors are based on the changes in claim cost and claim frequency that are expected to arise between the historical experience period and the prospective period during which the revised loss costs are anticipated to be in effect. Given the recent decline in the frequency trend patterns in conjunction with the economic environment, a -2.5% frequency trend has been selected for bodily injury and a -2.0% frequency trend has been selected for property damage in this document. Claim cost trend data through third quarter 2010 and claim frequency trend data through second quarter 2010 were used in selecting the following annual liability trend factors: Coverage All Liability Coverages: Bodily Injury Property Damage Annual Trend Factor +2.1% -2.4% Trucks, Tractors & Trailers OTC Trucks, Tractors & Trailers Collision PPT OTC PPT Collision +1.0% -3.0% +0.0% +0.0% OCN Trend To recognize the trend in the Original Cost New (OCN) relativities for Trucks, Tractors & Trailers and Private Passenger Type s physical damage, aggregate loss costs at current level have been multiplied by trend factors. The selected annual OCN trend factors for Trucks, Tractors & Trailers are +0.7% and +1.4% for OTC and Collision respectively. For Private Passenger Types, the OCN Trend factors are +0.4% and +0.2% for OTC and Collision respectively. Standard actuarial procedures have been used in calculating the loss costs including adjusting the losses to ultimate settlement level, reflecting all loss adjustment expenses. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 ES-3

39 TEN LARGEST COMPANY/ GROUPS IN THIS REVIEW LIABILITY (ASLOB 19.4) 1. Liberty Mutual Insurance Co 2. W.R. Berkley Corp 3. Travelers Indemnity Co 4. MMG Insurance Co 5. Philadelphia Indemnity Insurance Co 6. Tower Insurance Co 7. Frankenmuth Mutual Insurance Co 8. OneBeacon Insurance Group 9. Canal Insurance Co 10. American International Group PHYSICAL DAMAGE (ASLOB 21.2) 1. Liberty Mutual Insurance Co 2. OneBeacon Insurance Group 3. Travelers Indemnity Co 4. MMG Insurance Co 5. Frankenmuth Mutual Insurance Co 6. Tower Insurance Co 7. Middlesex Mutual Assurance Co 8. Zurich American Insurance Co 9. Great American Insurance Co 10. Farm Family Casualty Insurance Co Insurers are listed in descending order based on the percent of statewide written premium volume from Annual Statement Page 15 for the year ending 12/31/2009 for the Annual Statement Line of Business (ASLOB) indicated. MARKET SHARE The market share of ISO participating insurers used in this review as measured by Annual Statement Page 15 written premium for the year ending 12/31/2009 is: Liability (ASLOB 19.4) 49.6% Physical Damage (ASLOB 21.2) 52.0% COMPANY DECISION We encourage each insurer to decide independently whether the judgments made and the procedures or data used by ISO in developing the loss costs contained herein are appropriate for its use. We have included within this document the information upon which ISO relied in order to make such independent judgments. The data underlying the enclosed material comes from companies reporting to Insurance Services Office, Inc. Therefore, the ISO experience permits the establishment of a much broader statistical ratemaking base than could be employed by using any individual company's data. A broader data base enhances the validity of ratemaking analysis derived therefrom. At the same time, however, an individual company may benefit from a comparison of its own experience to the aggregate ISO experience, and may reach valid conclusions with respect to the manner in which its own costs can be expected to differ from ISO's projections based on the aggregate data. Some calculations included in this document involve areas of ISO staff judgment. Each company should carefully review and evaluate its own experience in order to determine whether the ISO selected loss costs are appropriate for its use. The material has been developed exclusively by the staff of Insurance Services Office, Inc. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 ES-4

40 COPYRIGHT EXPLANATION The material distributed by Insurance Services Office, Inc. is copyrighted. All rights reserved. Possession of these pages does not confer the right to print, reprint, publish, copy, sell, file or use same in any manner without the written permission of the copyright owner. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 ES-5

41 MAINE COMMERCIAL AUTOMOBILE Table of Contents SECTION A SCOPE OF REVISION Summary of Prospective Loss Cost Level Changes... Revised Prospective Loss Costs and Percentage Changes... SECTION B CALCULATION OF CHANGES Overview of ISO Actuarial Procedures... Step 1: Determination of Statewide Loss Cost Level Changes... Trucks, Tractors & Trailers Liability Statewide Changes... Trucks, Tractors & Trailers Physical Damage Statewide Changes... Private Passenger Types Liability Statewide Changes... Private Passenger Types Physical Damage Statewide Changes... Garage Dealers Liability Statewide Changes... Step 2: Determination of Territory Relativities... Trucks, Tractors & Trailers Liability Territory Development... Private Passenger Liability Territory Development... Explanatory Memorandum for Trucks, Tractors & Trailers and Private Passenger Types Liability Territory Development... Garage Dealers Liability Territory Development... Explanatory Memorandum for Garage Liability Territory Development... Trucks, Tractors & Trailers Physical Damage Territory Development... Private Passenger Types Physical Damage Territory Development... Explanatory Memorandum for Trucks, Tractors & Trailers and Private Passenger Types Physical Damage Territory Development... SECTION C SUPPORTING MATERIAL Loss Adjustment Expense... Loss Trend... Physical Damage OCN Trend... Loss Development for Liability... Loss Development for Physical Damage... Credibility Procedures and Tables... Claims for Credibility... Relativities for Developing Minor Class & Coverage Loss Costs... Excess Wind and Water Procedure... SECTION D OFF-BALANCE CALCULATIONS Determination of Revised Base Loss Costs... Off-Balance Factors By Coverage... Summary of Classification Plan Revisions... A2-A4 A4-A23 B2 B3-B5 B6-B7 B8-B10 B11-B12 B13-B15 B16-B17 B18 B19 B20 B21-B22 B23 B24-B25 B26-B27 B28-B29 B30-B31 C2-C4 C5-C25 C26-C28 C29-C44 C45-C53 C54-C59 C60-C61 C62-C63 C64-C77 D2-D3 D4-D5 D6-D12 Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 TC-1

42 SECTION E REVISED PROSPECTIVE LOSS COSTS Liability and Medical Payments... Physical Damage - All Coverages Except Garages... Hired Autos (Rule 90)... E2-E13 E14-E25 E26 Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 TC-2

43 MAINE COMMERCIAL AUTOMOBILE SECTION A - SCOPE OF REVISION Summary of Prospective Loss Cost Level Changes... Revised Prospective Loss Costs and Percentage Changes... A2-A3 A4-A23 Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-1

44 MAINE STATEWIDE LOSS COST LEVEL CHANGES (A) Coverages Aggregate Loss Cost Loss Cost at Current Level (B) Changes (C) TRUCKS, TRACTORS & TRAILERS (D) Single Limit Liability $ 13,363, % Physical Damage Other Than Collision 1,406, % Collision 4,390, % Combined 5,797, % Total Trucks, Tractors & Trailers 19,161, % PRIVATE PASSENGER TYPES Single Limit Liability 1,722, % Physical Damage Other Than Collision 263, % Collision 949, % Combined 1,212, % Total Private Passenger Types 2,934, % GARAGES Dealers Single Limit Liability 513, % Total Garages 513, % GRAND TOTAL ALL COVERAGES 22,609, % TOTAL LIABILITY 15,599, % TOTAL PHYSICAL DAMAGE 7,009, % (A) An implementation date of 02/01/2012 is assumed for purposes of trending. (B) Accident Year ending 06/30/2010 Aggregate Loss Cost at Current Level for all coverages. The liability loss costs are on a Total Limits basis. (C) Loss Cost changes are calculated on a $100,000 CSL Basic Limits basis for liability and on an all deductibles combined basis for physical damage. (D) Classes related to Trucks, Tractors & Trailers, such as the Public Automobile classes, are impacted by the Trucks, Tractors & Trailers loss cost level changes. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-2

45 MAINE STATEWIDE BASE LOSS COST LEVEL CHANGES Change in Loss Cost Off-Balance Base Loss Coverages (A) Change (B) Factor (C) Cost (D) TRUCKS, TRACTORS & TRAILERS Single Limit Liability -4.3% % Physical Damage Comprehensive -4.8% % Collision -21.2% % PRIVATE PASSENGER TYPES Physical Damage Comprehensive -2.5% % Collision -7.3% % (A) Only those coverages that are adjusted by Off-Balance Factors are listed here. For the change in Base Loss Costs for other coverages, please refer to the Experience Review Loss Cost Changes listed on page A-2. (B) Loss Cost Changes are the Experience Review Loss Cost Changes Listed on page A-2. (C) Off-balance factors are applied to offset the effects of the Class Plan revision. Refer to filing CA-2011-RCP1 for a full presentation of the Classification Plan revision. Off-balance factor calculations are presented in Section D of this document. (D) Change in base loss cost is the product of the experience review loss cost level change times the Off-Balance Factor. For a sample calculation, refer to Section D. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-3

46 INSURANCE SERVICES OFFICE, INC. MAINE TERRITORY LOSS COST LEVEL CHANGES FOR TRUCKS, TRACTORS & TRAILERS POLICY COVERAGES $100,000 CSL TERRITORY LIABILITY $500 CODE (a) (b) MED PAY % -2.0% 0.0% % -5.7% -11.1% % -7.0% 0.0% % -7.9% -14.3% % -3.9% 0.0% % -5.3% 0.0% % -8.0% -14.3% % -10.4% 0.0% % -9.4% 0.0% % -2.1% 0.0% % -3.0% 0.0% % -5.9% 0.0% (a) LOSS COST LEVEL CHANGE FROM EXPERIENCE REVIEW (SEE SECTION B). (b) LOSS COST CHANGE INCLUDING OFF-BALANCE FACTORS REFLECTING IMPLEMENTATION OF CLASS PLAN REVISIONS. PLEASE SEE SECTION D FOR DERIVATION OF THE OFF-BALANCE FACTORS. THIS CHANGE WILL BE APPLIED TO THE BASE LOSS COSTS. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-4

47 INSURANCE SERVICES OFFICE, INC. MAINE TERRITORY LOSS COST LEVEL CHANGES FOR TRUCKS, TRACTORS & TRAILERS POLICY COVERAGES PHYSICAL DAMAGE SPECIFIED TERRITORY COMPREHENSIVE COLLISION CAUSES OF LOSS CODE (a) (b) (a) (b) (b) % -11.4% -20.3% -21.6% -12.0% % -11.1% -22.0% -23.5% -14.3% % -7.7% -14.5% -15.9% -5.4% % -7.0% -19.5% -21.2% -8.0% % -10.2% -21.8% -22.9% -9.8% % 0.0% -17.7% -19.1% 0.0% % -6.1% -22.3% -24.0% -7.1% % -9.8% -23.3% -24.8% -12.5% % -5.9% -22.2% -23.8% -3.4% % -8.0% -25.4% -26.3% -10.3% % -2.4% -23.3% -24.8% -4.2% % -9.6% -20.8% -22.2% -10.0% (a) LOSS COST LEVEL CHANGE FROM EXPERIENCE REVIEW (SEE SECTION B). (b) LOSS COST CHANGE INCLUDING OFF-BALANCE FACTORS REFLECTING IMPLEMENTATION OF CLASS PLAN REVISIONS. PLEASE SEE SECTION D FOR DERIVATION OF THE OFF-BALANCE FACTORS. THIS CHANGE WILL BE APPLIED TO THE BASE LOSS COSTS. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-5

48 INSURANCE SERVICES OFFICE, INC. MAINE REVISED BASE LOSS COSTS BY TERRITORY FOR TRUCKS, TRACTORS & TRAILERS POLICY COVERAGES LIABILITY PHYSICAL DAMAGE SPECIFIED TERRITORY $100,000 $500 COMPREHENSIVE COLLISION CAUSES OF LOSS CODE CSL MED PAY (a) (b) (c) (d) (a) THE LOSS COSTS FOR MEDICAL PAYMENTS HAVE BEEN CALCULATED BY A RELATIVITY OF TO THE TRUCKS, TRACTORS, & TRAILERS CSL LIABILITY LOSS COSTS. (b) COMPREHENSIVE BASE LOSS COST IS THE $15,001-20,000 OCN, AGE 1, $500 DEDUCTIBLE LOSS COST. (c) COLLISION BASE LOSS COST IS THE $15,001-20,000 OCN, AGE 1, $500 DEDUCTIBLE LOSS COST. (d) THE LOSS COSTS FOR SPECIFIED CAUSES OF LOSS HAVE BEEN CALCULATED BY A RELATIVITY OF TO THE TRUCKS, TRACTORS & TRAILERS COMPREHENSIVE BASE LOSS COSTS. Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-6

49 INSURANCE SERVICES OFFICE, INC. MAINE TERRITORY LOSS COST LEVEL CHANGES FOR PRIVATE PASSENGER TYPES POLICY COVERAGES LIABILITY $100,000 TERRITORY CSL $500 CODE (b) MED PAY % 0.0% % 0.0% % -33.3% % 0.0% % 0.0% % 0.0% % -20.0% % 0.0% % -25.0% % 0.0% % 0.0% % -25.0% Insurance Services Office, Inc., 2011 Maine CA-2011-BRLA1 A-7