Physical Damage Factor No operator licensed less than 5 years Operator licensed less than 5 years not owner or principal operator

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1 1. APPLICATION OF THIS DIVISION The following is added to Paragraph D.3. Loss Cost Conversion: To convert the loss costs shown in this division to Oregon Mutual Insurance Company rates, multiply by the appropriate Loss Cost Multiplier as shown below: Liability Physical Damage Garage Physical Damage Paragraph F. Loss Cost Edition is added as follows: 1. ISO Loss Costs pages modified by this manual have edition dates as follows: a. Multistate Loss Costs pages b. California Loss Costs pages Paragraph G. Rules Edition is added as follows: 31. ELIGIBILITY 1. ISO Rules pages modified by this manual have edition dates as follow: a. Multistate Rules pages b. California Rules Exception pages c. Multistate Auto Liability Experience and Schedule Rating Plans pages d. Multistate Auto Physical Damage Experience and Schedule Rating Plans pages Paragraphs C.2.a., b., and c. are replaced with the following: 2. Owned by family partnerships, family corporation, or an individual and which are: a. Garaged on a farm or ranch; and b. Rated as a fleet or non-fleet; and c. Used in or driven to any occupation including school. Paragraph C.2.d. is replaced with the following: Use the factors in Table 31.C.2.d. for Operator Experience and Use. Add the Operator Experience and Use factors to get a total combined factor. Multiply the private passenger types rates developed from the state company rates/iso loss costs for liability, physical damage, medical payments and basic no-fault coverages by the total combined factor. Operator Experience Liability/PIP/Medical Factor Physical Damage Factor No operator licensed less than 5 years Operator licensed less than 5 years not owner or principal operator Owner or principal operator licensed less than 5 years Use Factor Factor Not driven to work or school To or from work or school less than 15 miles To or from work or school 15 or more miles Retail Delivery Table 31.C.2.d. Operator Experience and Use Factors July 2017 California CA-E-1

2 31. ELIGIBILITY (Cont.) Paragraph D. Classifications and Codes is replaced with the following: Non-Fleet To or From Work or School Description Of Operator Not Driven To Work Or School Less Than 15 Miles 15 Or More Miles Retail Delivery No operator licensed less than 5 years Operator licensed less than 5 years not owner or principal operator Owner or principal operator licensed less than 5 years Liability and physical damage use code Garaged on a Farm Description Of Operator Table 31.D.Classifications and Codes All Other Non-Fleet Fleet To Or From Work Or School Less Than 15 Miles 15 Or More Miles No operator licensed less than 5 years 738W 738X Operator licensed less than 5 years not owner or principal operator 738Y 738Z Owner or principal operator licensed less than 5 years Liability and physical damage use code Y All Other Fleet Liability and physical damage Retail Delivery use code Physical damage only companies may use code Z CA-E-2 California July 2016

3 31. ELIGIBILITY (Cont.) Paragraph E. Fleet Use Factors is added as follows: Use Liability/PIP/Medical Factor Physical Damage Factor Retail Delivery All Other Table 31.E. Fleet Use Factors Paragraph F. All Other Non-Fleet Use Factors is added as follows: Use Liability/PIP/Medical Factor Physical Damage Factor All Other Table 31.F. Non Fleet Use Factor 33. FARMERS AUTOS Paragraph A.1. Eligibility is replaced with the following: This rule applies to private passenger autos, pickups, panel trucks, and vans rated as part of a fleet or non-fleet which meets the following qualifications: a. Principally garaged on a farm or ranch; b. Owned by an individual or husband and wife or equivalent resident in the same household, or by a farm family partnership or corporation. c. Not used in any occupation other than farming or ranching; and d. Not used in going to and from work other than farming or ranching. Paragraph B. Premium Computation is replaced with the following: 1. If there are no operators licensed less than five years use Class Code 7399 for fleet or Class Code 7400 for non-fleet and multiply the private passenger type loss costs in the ISO loss cost pages by a factor of.80 for Liability/PIP/Medical and.88 for Physical Damage. 2. If there are operators licensed less than five years: a. Use Class Code 7399 for fleet or Class Code 7400 for non-fleet for the autos not driven by operators licensed less than five years and multiply the private passenger type loss costs in the ISO loss cost pages by a factor of.80 for Liability/PIP/Medical and.88 for Physical Damage. b. Use Class Code 739A for fleet or Class Code 7405 for non-fleet for each auto that may be driven by a driver who has been licensed less than five years and multiply the private passenger type loss costs in the ISO loss cost pages by a factor of 1.00 for Liability/PIP/Medical and 1.10 for Physical Damage. 3. Farmers Autos factor does not apply to Uninsured Motorist and Towing coverages. 50. AUTO DEALERS ADDITIONAL PROVISION The following added to Paragraph B.1.f. Employee Benefits Liability Loss Costs:.03 Per Employee Minimum Premium: $75 July 2016 California CA-E-3

4 55. GARAGEKEEPERS' INSURANCE PREMIUM DEVELOPMENT The following additional limits and deductibles options are added to Table 55. Garagekeepers' Other Than Collision. GARAGEKEEPERS' OTHER THAN COLLISION *Theft and Mischief of Vandalism are subject to a $100 per car/$500 per occurrence deductible. Maximum Limit Of Liability Specified Perils Comprehensive Legal Liability Direct Primary Legal Liability Direct Primary $20,000 $33 $45 $40 $53 $25,000 $40 $54 $48 $64 $40,000 $57 $77 $68 $92 $50,000 $67 $90 $80 $108 $70,000 $85 $115 $103 $139 $80,000 $95 $127 $113 $153 $100,000 $112 $151 $134 $181 $125,000 $132 $177 $157 $213 $175,000 $168 $228 $202 $273 $200,000 $188 $254 $226 $304 $250,000 $225 $305 $271 $366 $500,000 $407 $550 $489 $659 $1,000,000 $738 $997 $886 $1,197 Over $2,500,000 Not Available Direct Coverage (Excess) Specified Perils - Multiply the Legal Liability premium by Comprehensive - Multiply the Legal Liability premium by *Optional Deductibles: $250 per car and $1,000 per occurrence Multiply the above by.90. $500 per car and $2,500 per occurrence Multiply the above by.75. $1,000 per car and $5,000 per occurrence Multiply the above by.60. $1,500 per car and $7,500 per occurrence Multiply the above by.40. $2,500 per car and $10,000 per occurrence Multiply the above by.20. Table 55. Garagekeepers' Other Than Collision Additional Limits Loss Costs and Optional Deductible Factors CA-E-4 California July 2016

5 55. GARAGEKEEPERS' INSURANCE PREMIUM DEVELOPMENT (Cont.) The following additional limits are added to Table 55. Garagekeepers' Collision. Maximum Limit of Liability GARAGEKEEPERS' COLLISION Deductibles $100 $250 $500 Legal Liability Direct (Primary) Legal Liability Direct (Primary) Legal Liability Direct (Primary) $20,000 $79 $107 $52 $69 $40 $54 $25,000 $94 $128 $61 $83 $47 $64 $40,000 $136 $183 $89 $120 $68 $92 $50,000 $159 $215 $104 $140 $79 $108 $70,000 $209 $283 $136 $184 $105 $142 $80,000 $233 $315 $151 $204 $116 $157 $100,000 $276 $372 $179 $242 $138 $186 $125,000 $329 $444 $214 $288 $164 $222 $175,000 $431 $582 $280 $378 $215 $291 $200,000 $479 $647 $311 $420 $240 $323 $250,000 $575 $776 $374 $504 $288 $388 $500,000 $1,045 $1,411 $679 $917 $522 $705 $1,000,000 $1,918 $2,590 $1,247 $1,683 $959 $1,295 Over $2,500,000 Not Available Direct Coverage (Excess) - Multiply the Legal Liability premium for the desired deductible by Table 55. Garagekeepers' Collision Additional Limits Loss Costs July 2016 California CA-E-5

6 55. GARAGEKEEPERS' INSURANCE PREMIUM DEVELOPMENT (Cont.) The following additional limits and deductibles options are added to Table 55. Garagekeepers' Collision. Maximum Limit Of Liability GARAGEKEEPERS' COLLISION $1,000 Deductible $1,500 Deductible Legal Liability Direct Primary Legal Liability Direct Primary $6,000 $12 $17 $11 $15 $7,500 $14 $20 $13 $18 $9,000 $16 $22 $15 $20 $12,000 $21 $28 $19 $25 $15,000 $25 $33 $22 $30 $18,000 $29 $39 $26 $36 $20,000 $31 $43 $28 $38 $22,500 $34 $47 $31 $42 $25,000 $37 $51 $34 $46 $30,000 $44 $60 $40 $54 $37,500 $52 $70 $47 $63 $40,000 $54 $73 $49 $66 $45,000 $59 $79 $53 $71 $50,000 $63 $86 $57 $77 $60,000 $73 $99 $66 $89 $70,000 $83 $113 $75 $102 $75,000 $88 $119 $80 $108 $80,000 $93 $125 $84 $113 $90,000 $101 $137 $92 $123 $100,000 $110 $148 $99 $134 $120,000 $127 $171 $114 $154 $125,000 $131 $177 $118 $159 $150,000 $152 $205 $137 $185 $175,000 $172 $232 $155 $209 $180,000 $176 $237 $158 $214 $200,000 $191 $258 $172 $232 $225,000 $210 $283 $189 $255 $250,000 $229 $309 $206 $279 $300,000 $267 $360 $241 $325 $375,000 $324 $437 $292 $394 $450,000 $379 $512 $342 $462 $500,000 $416 $562 $375 $507 $600,000 $490 $661 $442 $596 $750,000 $598 $807 $540 $728 $900,000 $700 $945 $631 $853 $1,000,000 $763 $1,031 $689 $930 $1,200,000 $890 $1,202 $803 $1,084 $1,500,000 $1,067 $1,441 $963 $1,300 $2,000,000 $1,218 $1,645 $1,099 $1,483 $2,500,000 $1,327 $1,792 $1,197 $1,616 Direct Coverage (Excess) Multiply the Legal Liability premium for the desired deductible by 1.15 Table 55. Garagekeepers' Collision Optional Deductible Loss Costs CA-E-6 California July 2016

7 55. GARAGEKEEPERS' INSURANCE PREMIUM DEVELOPMENT (Cont.) The following additional limits and deductibles options are added to Table 55. Garagekeepers' Collision. GARAGEKEEPERS' COLLISION Maximum Limit $2,500 Deductible $5,000 Deductible Of Liability Legal Liability Direct Primary Legal Liability Direct Primary $6,000 $10 $13 $9 $12 $7,500 $11 $15 $10 $13 $9,000 $13 $17 $11 $15 $12,000 $16 $22 $14 $19 $15,000 $19 $26 $17 $23 $18,000 $22 $30 $20 $27 $20,000 $24 $33 $22 $29 $22,500 $26 $36 $24 $32 $25,000 $29 $39 $26 $35 $30,000 $34 $46 $31 $41 $37,500 $40 $54 $36 $48 $40,000 $42 $56 $37 $50 $45,000 $45 $61 $40 $54 $50,000 $49 $66 $44 $59 $60,000 $57 $77 $51 $68 $70,000 $64 $87 $57 $78 $75,000 $68 $92 $61 $83 $80,000 $72 $97 $64 $87 $90,000 $79 $106 $70 $95 $100,000 $85 $115 $76 $102 $120,000 $98 $132 $87 $118 $125,000 $101 $137 $90 $122 $150,000 $118 $159 $105 $142 $175,000 $133 $179 $119 $160 $180,000 $136 $183 $121 $164 $200,000 $148 $199 $132 $178 $225,000 $162 $219 $145 $196 $250,000 $177 $239 $158 $213 $300,000 $207 $279 $185 $249 $375,000 $250 $338 $224 $302 $450,000 $294 $396 $262 $354 $500,000 $322 $435 $287 $388 $600,000 $379 $512 $338 $457 $750,000 $463 $625 $413 $558 $900,000 $542 $732 $484 $653 $1,000,000 $591 $798 $527 $712 $1,200,000 $689 $930 $615 $831 $1,500,000 $826 $1,115 $738 $996 $2,000,000 $943 $1,273 $842 $1,136 $2,500,000 $1,027 $1,387 $917 $1,238 Direct Coverage (Excess) Multiply the Legal Liability premium for the desired deductible by 1.15 Table 55. Garagekeepers' Collision Optional Deductible Loss Costs July 2016 California CA-E-7

8 89. NON-OWNERSHIP LIABILITY The following is added to Table C.2.e.(LC): Social Service Agency Risks Liability Minimum Premium is $85 at $100,000 limit. 90. HIRED AUTOS The following is added to Table B.3.g.(LC): Hired Autos Liability Minimum Premium is $57 at $100,000 limit. The following is added to Table C.3.e.(LC): Hired Autos Physical Damage Minimum Premiums is $ DEDUCTIBLE INSURANCE The following is added to Table E.6.(LC): 102. SUSPENSION Deductible Amount To Be Waived Loss Cost Per Auto $2,000 $14.17 $3,000 $17.25 $5,000 $20.33 Paragraph I.3. is amended to include an annual minimum premium of $88. ADDITIONAL RULES OREGON MUTUAL 1. ADDITIONAL RULE COMMERCIAL AUTOMOBILE LIABILITY EXPERIENCE AND SCHEDULE RATING PLAN A. The Expected Loss Ratio to be used for Rule 2.C. of the Commercial Automobile Liability Experience and Schedule Rating Plan is 64.7%. 2. ADDITIONAL RULE COMMERCIAL AUTOMOBILE PHYSICAL DAMAGE EXPERIENCE AND SCHEDULE RATING PLAN A. The Expected Loss Ratio to be used for Rule 2.C. of the Commercial Automobile Physical Damage Experience and Schedule Rating Plan is 38.9%. 4. ADDITIONAL RULE FARM TRUCKS LAYUP CREDIT The following is added: Annual Minimum Premiums is $ ADDITIONAL RULE PERSONAL VEHICLE SHARING EXCLUSION ENDORSEMENT A. Personal Vehicle Sharing Exclusion Endorsement M2854A is mandatory on any commercial auto policy with private passenger rated vehicles including farm autos. B. There is no charge or credit for this exclusion. CA-E-8 California July 2017