PENNSYLVANIA NATIONAL MUTUAL CASUALTY INSURANCE COMPANY NORTH CAROLINA (32) AUTOMOBILE
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1 RULE 4.H.1. Optional Rating Characteristics ACCOUNT CREDIT Voluntary Market Only applicable to Preferred and Preferred Advantage Programs. 1. The Account Credit is applicable to the Automobile Policy when *A 5% credit applies to the Voluntary Automobile Policy when the named insured has an active Pennsylvania National Mutual Casualty Insurance Company Homeowners Policy Form HO 0002, HO 0003, HO 0004, HO 0005, or HO The home covered by the policy must be owner-occupied. This credit will not apply to seasonal or secondary residences. 2. The credit shall be determined by applying a factor of.95, separately, to the final premium for each coverage that applies. 3. The credit shall be applied to the following coverages: a. Bodily Injury b. Property Damage c. Medical Payments d. Uninsured Motorists e. Combined Uninsured and Underinsured Motorists f. Comprehensive, and g. Collision. 4. The credit will be applied to each unit insured on the policy. 5. This discount will remain on the Voluntary Automobile Policy as long as the insured's Homeowners Policy remains active. 6. When an insured's Homeowners Policy is cancelled or non-renewed, the credit will be removed from the Voluntary Automobile Policy upon renewal. Effective February 15, 2008 Exception Page 1
2 RULE 4.H.1. Optional Rating Characteristics ACCOUNT CREDIT Voluntary Market *Only applicable to Preferred and Preferred Advantage Programs. 1. The Account Credit is applicable to the Automobile Policy when: A 5% credit applies to the Voluntary Automobile Policy because Pennsylvania National Mutual Casualty Insurance Company DOES NOT insure the Homeowners Policy for the named insured due to an exposure of Windstorm or Hail. 2. The credit shall be determined by applying a factor of.95, separately, to the final premium for each coverage that applies. 3. The credit shall be applied to the following coverages: a. Bodily Injury b. Property Damage c. Medical Payments d. Uninsured Motorists e. Combined Uninsured and Underinsured Motorists f. Comprehensive, and g. Collision. 4. The credit will be applied to each unit insured on the policy. 5. This discount will remain on the Voluntary Automobile Policy as long as the insured's Homeowners Policy remains active. 6. When an insured's Homeowners Policy is cancelled or non-renewed, the credit will be removed from the Voluntary Automobile Policy upon renewal.
3 Effective July 1, 2003 Exception Page 2
4 RULE 4.H.2. Optional Rating Characteristics MATURE DRIVER DISCOUNT Voluntary Market This discount is only applicable to the Preferred and Preferred Advantage Programs. *This only applies to policies that were written new prior to February 15, The Mature Driver Discount is applicable to the Personal Auto Policy on vehicles if the principal operator of the vehicle is age 55 or over and all drivers are licensed for more than 3 years. 2. The credit shall be determined by applying a factor of.95, separately to the final premium prior to the Account Credit for each coverage, which applies. 3. The credit shall be applied to the following coverages: a. Bodily Injury b. Property Damage c. Medical Payments d. Uninsured Motorists e. Combined Uninsured and Underinsured Motorists f. Comprehension, and g. Collision. 4. The credit does not apply to vehicles rated in accordance with the Miscellaneous Types Rule unless the vehicle is classified and rated as a private passenger auto. Effective February 15, 2008 Exception Page 3
5 RULE 4.H.1. Optional Rating Characteristics PERSONAL AUTO PREFERRED PROGRAM Applies to the Voluntary Market Only applies to policies that were written new prior to February 15, A Preferred Discount will be applied to eligible policies according to the schedule below. The Preferred Discount applies to the total premium calculated after the Mature Driver Discount, if applicable to the following: COVERAGES Bodily Injury Property Damage Medical Payments Comprehensive Collision VEHICLES Private Passenger Auto Pick Ups Vans When calculating the rates for any Penn National exception to the rates filed and in effect by the North Carolina Rate Bureau, the calculation does not apply to Recoupment charges. *PERSONAL AUTO PREFERRED RATING SCHEDULE BY TERRITORY Territory Description Deviation by Territory Territory Description Territory Code 11 Asheville Wake County City of Durham Central NC Greensboro East - Remainder High Point Fayetteville City of Raleigh Onslow County New Hanover Craven County Winston-Salem Wayne County WNC - Remainder City of Charlotte Gaston Mecklenberg County Eastern Piedmont Territory Code Deviation by Territory Effective January 1, 2009 Exception Page 4
6 RULE 4.H.1. Optional Rating Characteristics PERSONAL AUTO PREFERRED ADVANTAGE PROGRAM Applies to the Voluntary Market Only applies to policies that were written new prior to February 15, A Preferred Advantage Discount will be applied to eligible policies according to the schedule below. The Preferred Advantage Discount applies to the total premium calculated after the Mature Driver Discount, if applicable, to the following: COVERAGES Bodily Injury Property Damage Medical Payments Comprehensive Collision VEHICLES Private Passenger Auto Pick Ups Vans When calculating the rates for any Penn National exception to the rates filed and in effect by the North Carolina Rate Bureau, the calculation does not apply to Recoupment charges. *PERSONAL AUTO PREFERRED ADVANTAGE RATING SCHEDULE BY TERRITORY Territory Code Territory Description Deviation by Territory Territory Code Territory Description Deviation by Territory 11 Asheville Wake County City of Durham Central NC Greensboro East - Remainder High Point Fayetteville City of Raleigh Onslow County New Hanover Craven County Winston-Salem Wayne County WNC - Remainder City of Charlotte Gaston Mecklenberg County Eastern Piedmont Effective January 1, 2009 Exception Page 5
7 RULE 4.H.1. Optional Rating Characteristics INSURANCE BUREAU SCORE (IBS) DISCOUNT Applies to Voluntary Market *Only applicable to NEW policies written in the Preferred and Preferred Advantage Programs with a new business effective date prior to February 15, The Insurance Bureau Score used to determine the applicable discount will be derived from the score obtained for the first Named Insured listed in the driver section of the new business application. 2. Insurance Bureau Scores will be obtained on all new business effective July 1, Once an IBS discount is applied to a policy an IBS discount will be applied on subsequent renewals. 4. The Insurance Bureau Score Discount reduces the Preferred and Preferred Advantage Program Deviation factors. * New IBS Score Business Effective Date 07/01/05 No Score or 749 or less IBS Discount Percent N/A IBS Discount Factor N/A > %.90 11/15/06 No Score or N/A N/A < % % %.85 > %.80 Effective January 1, 2009 Exception Page 6
8 RULE 4.H.1. Optional Rating Characteristics PERSONAL AUTOS WRITTEN ON A COMMERCIAL LINES POLICY Voluntary Market A 15% deviation will apply to Voluntary Market private passenger non-fleet autos written on a commercial lines policy. This deviation will apply to the following coverages: a. Bodily Injury b. Property Damage c. Medical Payments d. Comprehensive e. Collision No other credits or discounts will apply. Effective November 15, 2006 Exception Page 7
9 RULE 4.H.2. Optional Rating Characteristics UNDERWRITING SCORECARD DEVIATION This deviation applies to the Voluntary Market. 1. An Insured s Underwriting Scorecard results will be used to evaluate and determine tier eligibility for new business policies effective on or after February 15, 2008 and subsequent renewals. Policies effective prior to this date will be rated without consideration of an insured's Underwriting Scorecard results. Use the table below to determine the factor. 2. Penn National Insurance uses mutually exclusive underwriting scorecard characteristics; no one characteristic alone determines tier eligibility and no new policy may be eligible for more than one tier. 3. These characteristics include number of years driving experience, liability limits, and number of drivers vs. number of vehicles, Insurance Score Information, driver record, and claims history. 4. This deviation will be applied to the total premium calculated before the Territory Deviation is applied, if applicable, to the following: COVERAGES Bodily Injury Property Damage Medical Payments Comprehensive Collision VEHICLES Private Passenger Auto Pick Ups Vans 5. When calculating the rates for any Penn National Insurance exception to the rates filed and in effect by the North Carolina Rate Bureau, the calculation does not apply to Recoupment charges. TIER SCORECARD RESULTS *FACTOR M9 < M4 >= 435, < L3 >= 440, < K7 >= 445, < K2 >= 450, < J6 >= 455, < J3 >= 460, < J1 >= 465, < I5 >= 470, < H9 >= 475, < H4 >= 480, < G8 >= 485, < G3 >= 490, < F7 >= 495, < F2 >= 500, < E6 >= 505, < E1 >=
10 *Indicates change Effective January 1, 2009 Exception Page 8
11 *RULE 4.H.3. Optional Rating Characteristics TERRITORY DEVIATION This deviation applies to the Voluntary Market and is applicable to all policies in the following territories. Territory Code Territory Description Deviation by Territory 13 City of Durham City of Raleigh Winston-Salem Gaston City of Charlotte Mecklenberg County This deviation will be applied to the total premium calculated before the account credit is applied, if applicable, to the following: COVERAGES Bodily Injury Property Damage Medical Payments Comprehensive Collision VEHICLES Private Passenger Auto Pick Ups Vans *Indicates change Effective February 15, 2008 Exception Page 9
12 * RULE 4.H.1. Optional Rating Characteristics INSTALLMENT CHARGES Recurring Payments If an insured chooses to have their premium payments automatically deducted from their checking account the installment charges will be waived. *Indicates change Effective November 14, 2008 Exception Page 10
13 *RULE 4.H.1. Optional Rating Characteristics COMPANY DEVIATION FOR STANDARD RATES Applies to the Voluntary Market This only applies to Standard policies that were written new prior to February 15, 2008 and renew effective January 1, 2009 and after. Apply a factor of to the total premium calculated after the recoupment is calculated and only to the following coverages and vehicles. COVERAGES Bodily Injury Property Damage Medical Payments Comprehensive Collision VEHICLES Private Passenger Auto Pick Ups Vans When calculating the rates for any Penn National Insurance exception to the rates filed and in effect by the North Carolina Rate Bureau, the calculation does not apply to Recoupment charges. *Indicates change Effective January 1, 2009 Exception Page 11
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