New York Personal Auto Revised August 26, 2017

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1 New York Personal Auto Revised August 26, 2017 Underwritten by: National General Insurance Company

2 Table of Contents Contact Information... 1 Eligibility Rules... 2 Insureds and Drivers... 3 Vehicle Usage... 4 Vehicle Types... 6 Vehicle Values... 7 Vehicle Garaging... 7 Tier Rule... 7 Incident Guidelines... 8

3 Contact Information Customer Service Customer Service Phone Number Customer Service Fax Number Online Service... Agency Policy System... Quote Assistance Claims Services Report a New Claim (Available 24/7) Addresses Correspondence National General Insurance PO Box 3199 Winston-Salem, NC Payments National General Insurance PO Box Cleveland, OH Overnight Payments National General Insurance Attention: Lockbox Operations 800 Superior Ave East Cleveland, OH Page 1

4 Automobile Guidelines - Premier and One Choice New York National General Insurance Company Edition Date: August 26, 2017 ELIGIBILITY RULES PREMIER ONECHOICE The following rules apply to vehicle ownership: The named insured must be either the owner or lessee of the vehicle(s) insured When a vehicle is jointly owned or leased, the named insured must be one of the owners or lessees Vehicles owned or leased by a partnership or corporation are acceptable if all of the following conditions are met: Vehicle Ownership Additional Named Insured The vehicle is ordinarily operated by the Named Insured or relative for pleasure commuting, and; All operators are members of the insured s household are listed on the policy, and; No more than four such vehicles are owned or leased by the partnership or corporation, and; The corporation or partnership is not listed as a named insured. Note: Subject to prior underwriting approval, an exception may be made to second rule above for children of the named insured(s) who are sole owners or lessees of one or more vehicles. In such cases, the mother or father may be listed as the named insured. A maximum of one additional named insured is allowed per policy. The additional named insured may be a corporation or partnership. Six vehicles (up to 10 with prior underwriting approval). Maximum Number of Vehicles Page 2

5 INSUREDS AND DRIVERS The following Named Insureds are unacceptable: Named Insured Types Receiverships Corporations Partnerships Professional associations Operators who do no reside at the residence address Named insureds or operators who are involved in illegal enterprises Named insureds or operators who are employed in occupations involving the use of an insured vehicle by a nonresident or non-dependent operator Named Insureds or operators who had an automobile policy cancelled or non-renewed due to losses within the prior three years. The following license situations are not acceptable: Driver License Any listed operator license has been revoked Named insured does not have a valid driver license in the state because the license has been suspended or has expired Any operator with a foreign license, and will not obtain within 30 days of policy inception, a valid license in the state in which the policy is or will be issued Operators under the minimum driving age required for licensing in the state for which the policy will be issued. Note: Per DMV regulations, operators with out-of-state licenses must obtain an in-state license within 30 days of obtaining residency. Agent must forward new license information to company or endorse policy within 60 days of policy issuance. Maximum number of drivers is three more than the number of Vehicles on Policy Example: A policy with four vehicles may have no more than seven drivers. Maximum Number of Drivers Page 3

6 All members of the household who are of eligible driving or permit age must be listed, whether they drive or not. Additionally, any regular operators, whether a member of the household or not, must be listed on the application for insurance. Driver Disclosure Procedures Household members who have their own car and have other insurance may be listed as a non-operator, except for spouses, who must be listed as operators. Non-operators will not be considered in premium rating of the policy. However, nonoperators with major violations or excessive loss frequency may be considered during underwriting acceptance process. VEHICLE USAGE Usage Options Vehicles must be classified as one of the following: Pleasure, Commute, Business, Artisan, and Farm. Acceptable Pleasure Use Vehicles used for Pleasure only Not used to drive to/from work or school, or for Business or Artisan Use. Acceptable Commute Use Vehicles used to drive to/from work or school. Acceptable Farm Use Vehicles used primarily on a farm, ranch or orchard. Acceptable Business Use Vehicles used to make regular and frequent trips for business errands, including trips to post offices, financial institutions, retail stores and/or business offices Vehicles used by real estate agents, insurance agents, lawyers, doctors, accountants or other professionals to visit multiple locations Vehicles owned by an insured and used by a domestic employee on a regular basis (e.g. maids, chauffeurs, nannies) Vehicles used by sales or service representatives, or for consumer oriented direct home sales (e.g. Avon, Mary Kay, Tupperware, etc.). Page 4

7 Includes, but is not limited to: Unacceptable Business Use Vehicles used for livery, limousine, or taxi service, including vehicles used to transport nursery or school children, migrant workers, hotel/motel guests, patients, or member of a van/car pool Vehicles used commercially for retail or wholesale delivery of products, such as, but not limited to, magazines, newspapers, mail, pizza, and farm products Vehicles used for courier or escort service Vehicles that fit within the Artisan Use Classification, except for such vehicles that are explicitly noted unacceptable in the description of Artisan Use. (See Acceptable Artisan Use). All of the following situations must be satisfied: Acceptable Artisan Use The operator must be a person who performs a craft or trade (e.g. plumbing, carpentry, masonry, etc.). The operator visits no more than two job sites per day. The vehicle does not transport explosives, chemicals, radioactive or flammable materials, or more than 500 pounds of supplies or equipment. The vehicles is owned or leased by an individual, not a corporation or partnership. The vehicle is operated solely by the named insured or other resident relative. The vehicle is not used to pick up or deliver goods or property for the sole purpose of distribution, resale, or delivery. Any goods or property picked up or delivered must be used by the operator at a job site in the performance of the operator s craft of trade. There is only one vehicle in this category on the policy. Page 5

8 The following vehicle usage situations are unacceptable: General Unacceptable Use VEHICLE TYPES Vehicles leased or rented to other drivers by the applicant, whether or not the other drivers are listed on the policy Vehicles regularly operator by a non-listed driver(s) other than resident relatives Accounts with two or more Artisan Use vehicles Commercial Vehicle Types, including step vans, panel vans, cutaway vans, dump trucks and wide load escort vehicles Vehicles used for: Commercial snow plowing Racing (Includes Driving Safety Courses performed on race tracks) Emergency vehicles. The following types of vehicles are unacceptable: Unacceptable Vehicle Types Kit cars, such as Dinan, Lingenfelter, Hammer, Mallet, Ruf, Saleen, Stillen. Vehicles Designed for use as hearses, limousines, or postal units. For new business, vehicles older than 15 years old with physical damage coverage. Vehicles with a load capacity of one ton and greater and classified as Artisan or Business use. Vehicles equipped with altered suspensions, street rods, cooking equipment and/or bathrooms. Vehicles with snowplowing equipment, if the vehicle is used for commercial snowplowing. Grey market vehicles. Page 6

9 The following vehicles will be reviewed by Underwriting to ensure acceptable drivers and driving history: Special Underwriting - Vehicle List Aro, Audi R8, Avanti, Bentley, Bertone, Bizzarini, BMW (Dinan, Alpina B7), Bricklin, Bugatti, Callaway, Checker, Chevrolet (Lingenfelter, Hammer, Mallet Corvette, Corvette Z06, Corvette ZR1), Daimler Chrysler Maybach, DCX Sprinter, Delorean, Dodge (Shelby Durango, Viper, Sprinter), Dune Buggy, Ferrari, Fisker, Ford (Saleen, GT, GT40, Mustang Shelby GT 500), Freightliner Sprinter, GEM, Hummer H1, Jaguar (XKR, XJ220, XFR, XJ Supercharged, XJ Super Sport), Jensen, Koenigsegg, Lamborghini, Lancia (Montecarlo, Scorpion, Rally 037), Lexus LFA, Lotus, Maserati, McLaren, Mercedes (all 12 cylinder AMG models, SLR McLaren, SLS), Morgan, Nissan (GTR, Stillen), Pagani, Panoz, Pantera, Pininfarina, Pontiac Lingenfelter, Porsche (Ruf, GT2, GT3, 911 Turbo, Carrera GT), Rolls Royce, Roush, Saleen, Shelby, Spyker, SSC, Sterling, Triumph, TVR. VEHICLE VALUES PREMIER CLIENT ONECHOICE Maximum Vehicle Value (Vehicles above this limit will be referred for approval) $250,000 $150,000 ACV Available Available Agreed Value Available Not Available Agreed Value Requirements VEHICLE GARAGING Agent must maintain copy of a Bill of Sale or appropriate documentation from an established vehicle appraisal company (e.g. KBB). Vehicles with agreed values above $125,000 will refer to Underwriting for approval. Not Applicable Garaging Location TIER RULE Vehicles should be rated at the address at which they are primarily garaged. When a policy covers two different garaging addresses, all operators must be permanent residents of only one address. CustomPac Eligibility Auto tiers greater than 14 are ineligible. Page 7

10 UNDERWRITING ELIGIBILITY INCIDENT GUIDELINES Incident Guidelines Single Car Multi Car Maximum Number of accidents and/or moving violations for any ONE DRIVER within 36 months 1 2 Maximum number of accidents and/or moving violations for any DRIVER UNDER AGE 21 in 36 months Maximum number of accidents and/or moving violations for any DRIVER OVER AGE 74 in the past 36 months Underwriting Approval Required Underwriting Approval Required Underwriting Approval Required Underwriting Approval Required Maximum number of AT FAULT ACCIDENTS for any ONE DRIVER in the past 36 months Maximum number of AT FAULT ACCIDENTS PER POLICY in the past 36 months Maximum number of accidents and/or moving violations PER POLICY in the past 36 months Maximum number of accidents and/or moving violations PER POLICY in the past 12 months Maximum number of DUIs or other MAJOR VIOLATIONS in the past 60 months Maximum number of COMPREHENSIVE claims >$500 in the past 36 months Maximum number of COMPREHENSIVE claims >$5,000 in the past 36 months LICENSE SUSPENSIONS in the past 36 months Maximum number of TOTAL INCIDENTS (accidents, violations, comps) in the past 36 months Closed suspensions require underwriting approval. Open suspensions are ineligible. 3 4 The above rules apply to New Business and Renewals. Page 8