DriveAdvisor Program Endorsement. Based on your voluntary participation, we have made the following service available to you:

Transcription

1 DriveAdvisor Program Endorsement Based on your voluntary participation, we have made the following service available to you: DriveAdvisor is a voluntary program to eligible operators to promote safe, accident-free driving. As a DriveAdvisor participant, you will be provided with a device to install in your auto. The device collects data, which is analyzed for the purpose of providing you with online feedback and information about your driving patterns. Participation in DriveAdvisor is subject to the program s terms and conditions. This program has no impact on your premium or coverage selections. This service is provided to you through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice to you. All applicable terms and conditions are available on our website. We do not warrant the: a. merchantability; b. fitness; or c. quality of the device or service offered or provided through a third party. CIC-2229 (12/13) Copyright, The Commerce Insurance Company, Page 1 of 1

2 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL SECTION II - PRIVATE PASSENGER AUTOMOBILES (cont.) Rule No. Page 32 Pick-Ups, Vans, and Similar Type Vehicles Towing and Labor Cost Trailers Designed for Use with Private Passenger Motor Vehicles AAA Member Package Endorsement Commerce VIP Member Package Endorsement Optional Endorsements Commerce Enhancer Package Commerce Elite Package Auto Loan/Lease Coverage Motorcycle Accessory Endorsement DriveAdvisor Program Endorsement Disappearing Deductible Credit Rule No. SECTION III - MISCELLANEOUS MOTOR VEHICLES AND COVERAGES 39 Motor Homes/Camper Bodies Antique Motor Cars and Motorcycles Stated Amount Coverage Fire, Theft and Combined Additional Coverages Reserved for Future Use Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles Agreed Amount Coverage - Comprehensive Excess Electronic Equipment Coverage Customized Vans and Pickups Original Equipment Manufacturer Parts Coverage Rule No. SECTION IV - NON-OWNED AUTOMOBILES 49 Named Non-Owner Policy Use of Other Automobiles Reserved for Future Use Rule No. SECTION V - SUPPLEMENTAL INFORMATION 54 Anti-Theft Device Standards and Discounts Pre-Insurance Inspection Program Merit Rating Plan Accident Forgiveness Increased Limits Tables Reserved For Future Use Registry of Motor Vehicles Procedures TC - 2 Copyright, The Commerce Insurance Company, 2013

3 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Auto Loan/Lease Coverage CIC 2125 A policy providing Part 7 - Collision and Part 9 - Comprehensive may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a new vehicle, and the actual cash value of the vehicle, subject to the following: a. Auto Loan/Lease Coverage may be provided only to a vehicle that is a private passenger auto, pickup, or van, as defined in Rule 27, except that antiques and motor homes/camper bodies are not eligible; and b. The insured must request, and the auto loan/lease coverage must be added, within 30 days of leasing or financing a new vehicle. A new vehicle is defined as one which is 5 model years old or less; or c. Coverage may be applied to a vehicle written on a new business policy provided the vehicle had the same coverage on a previous policy and is 5 model years old or less. There is a 5% charge of both the Part 7 - Collision and Part 9 - Comprehensive premiums for this endorsement. Motorcycle Accessory Coverage CIC 2174 Motorcycle Accessory Coverage may be purchased to provide protection from physical damage to or loss of accessories, on a motorcycle or motorcycle trailer, other than those that are original manufacturer installed and which alter the appearance or performance of a motorcycle or motorcycle trailer. This includes but is not limited to: a. Permanently installed electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or playback recorded media. Items must be installed using bolts or brackets, including slide-out brackets; b. Sidecars; c. Custom paint, custom plating, custom seats and custom exhaust; d.. Safety riding apparel. This includes safety apparel specifically designed to minimize injury from an accident. This includes but is not limited to helmets, leather clothing, riding boots and gloves, and protective eyewear. Certain exclusions will apply. Please refer to the endorsement for additional details. This endorsement may be purchased for any motorcycle that has Part 9 - Comprehensive Coverage in increments of $1,000, up to a maximum limit of $25,000. Please refer to the Miscellaneous Rate Page for the applicable premiums per $1,000 of coverage. DriveAdvisor Program Endorsement CIC 2229 DriveAdvisor is a voluntary program available to eligible operators to promote safe, accident-free driving. As a DriveAdvisor participant, the insured will be provided with a device to install in their auto. The device collects data, which is analyzed for the purpose of providing online feedback and information about the insureds driving patterns. Participation in DriveAdvisor is subject to the program s terms and conditions. DriveAdvisor Endorsement is eligible to Insureds who: 1. at the time of program enrollment, have an operator on their policy with: a. less than three years driving experience; or b. 5 or more Merit Rating points, 2. have a 1996 or newer automobile that is compatible with the DriveAdvisor device; and 3. provide a valid address. This program has no impact on the premium or coverage selections. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. 294 Copyright, The Commerce Insurance Company, 2013

4 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL TITLE PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX FORM NO. AAA Member Package Endorsement CIC 2114 (Ed. (Ed ) Accident Forgiveness CIC-2209 (Ed ) Agreed Amount Comprehensive MPY-0034-S Ed ) Antique Auto M-0047-S (Ed Rev.) Auto Loan/Lease Coverage CIC 2125 (Ed. 5-12) Commerce VIP Package Endorsement CIC 2123 (Ed ) Commerce Elite Package Endorsement CIC 2126 (Ed ) Coverage for Anyone Renting An Auto To You M-0070-S (Ed ) Coverage for Customized Vans and Pickups MPY-0037-S (Ed ) Disappearing Deductible Credit Endorsement CIC-2197 (Ed. 05/13) DriveAdvisor Program Endorsement CIC-2229 (Ed. 12/13) Enhancer Package Endorsement CIC 2122 (Ed ) Excess Electronic Equipment Coverage MPY-0041-S (Ed Rev.) $100 Glass Deductible MPY-0039-S (Ed ) Guest Occupants Exclusion - Motorcycles M-0002-S (Ed ) Massachusetts Automobile Insurance Policy 2008 Edition Massachusetts Mandatory Endorsement M-0099-S (Ed ) Mobile Home Endorsement MPY-0002-S (Ed ) Motorcycle Accessory Coverage CIC-2174 (4/11) Non-Renewal of Policy Motorcycles, Recreational Vehicles and Trailers M-0103-S (Ed ) Notice to Policyholders CIC-2211 (11/13) Notice to Policyholders CIC-2210 (11/13) Operator Exclusion Form CIC-616 (Ed ) Original Equipment Manufacturer Parts Coverage MPY-0040-S (Ed ) Other Optional Insurance Combined Additional Coverage MPY-0031-S (Ed ) Other Optional Insurance Fire, Lightning and Transportation MPY-0028-S (Ed ) Other Optional Insurance Theft MPY-0029-S (Ed ) Stated Amount Coverage MPY-0027-S (Ed Rev.) Suspension of Coverage - Reduction of Limits MPY-0032-S (Ed ) Transportation of Fellow Employees, Students or Others M-0004-S (Ed ) Trust Endorsement M-0107-S (Ed ) Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S (Ed ) Vehicle Sharing Exclusion CIC-2212 (Ed ) Waiver of Deductible MPY-0016-S (Ed Rev.) B-1 Copyright, The Commerce Insurance Company, 2013

5 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL SECTION II - PRIVATE PASSENGER AUTOMOBILES (cont.) Rule No. Page 32 Pick-Ups, Vans, and Similar Type Vehicles Towing and Labor Cost Trailers Designed for Use with Private Passenger Motor Vehicles AAA Member Package Endorsement Commerce VIP Member Package Endorsement Optional Endorsements Commerce Enhancer Package Commerce Elite Package Auto Loan/Lease Coverage Motorcycle Accessory Endorsement DriveAdvisor Program Endorsement Disappearing Deductible Credit Rule No. SECTION III - MISCELLANEOUS MOTOR VEHICLES AND COVERAGES 39 Motor Homes/Camper Bodies Antique Motor Cars and Motorcycles Stated Amount Coverage Fire, Theft and Combined Additional Coverages Reserved for Future Use Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles Agreed Amount Coverage - Comprehensive Excess Electronic Equipment Coverage Customized Vans and Pickups Original Equipment Manufacturer Parts Coverage Rule No. SECTION IV - NON-OWNED AUTOMOBILES 49 Named Non-Owner Policy Use of Other Automobiles Reserved for Future Use Rule No. SECTION V - SUPPLEMENTAL INFORMATION 54 Anti-Theft Device Standards and Discounts Pre-Insurance Inspection Program Merit Rating Plan Accident Forgiveness Increased Limits Tables Reserved For Future Use Registry of Motor Vehicles Procedures TC - 2 Copyright, The Commerce Insurance Company, 2013

6 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Auto Loan/Lease Coverage CIC 2125 A policy providing Part 7 - Collision and Part 9 - Comprehensive may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a new vehicle, and the actual cash value of the vehicle, subject to the following: a. Auto Loan/Lease Coverage may be provided only to a vehicle that is a private passenger auto, pickup, or van, as defined in Rule 27, except that antiques and motor homes/camper bodies are not eligible; and b. The insured must request, and the auto loan/lease coverage must be added, within 30 days of leasing or financing a new vehicle. A new vehicle is defined as one which is 5 model years old or less; or c. Coverage may be applied to a vehicle written on a new business policy provided the vehicle had the same coverage on a previous policy and is 5 model years old or less. There is a 5% charge of both the Part 7 - Collision and Part 9 - Comprehensive premiums for this endorsement. Motorcycle Accessory Coverage CIC 2174 Motorcycle Accessory Coverage may be purchased to provide protection from physical damage to or loss of accessories, on a motorcycle or motorcycle trailer, other than those that are original manufacturer installed and which alter the appearance or performance of a motorcycle or motorcycle trailer. This includes but is not limited to: a. Permanently installed electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or playback recorded media. Items must be installed using bolts or brackets, including slide-out brackets; b. Sidecars; c. Custom paint, custom plating, custom seats and custom exhaust; d.. Safety riding apparel. This includes safety apparel specifically designed to minimize injury from an accident. This includes but is not limited to helmets, leather clothing, riding boots and gloves, and protective eyewear. Certain exclusions will apply. Please refer to the endorsement for additional details. This endorsement may be purchased for any motorcycle that has Part 9 - Comprehensive Coverage in increments of $1,000, up to a maximum limit of $25,000. Please refer to the Miscellaneous Rate Page for the applicable premiums per $1,000 of coverage. DriveAdvisor Program Endorsement CIC 2229 DriveAdvisor is a voluntary program available to eligible operators to promote safe, accident-free driving. As a DriveAdvisor participant, the insured will be provided with a device to install in their auto. The device collects data, which is analyzed for the purpose of providing online feedback and information about the insureds driving patterns. Participation in DriveAdvisor is subject to the program s terms and conditions. DriveAdvisor Endorsement is eligible to Insureds who: 1. at the time of program enrollment, have an operator on their policy with: a. less than three years driving experience; or b. 5 or more Merit Rating points, 2. have a 1996 or newer automobile that is compatible with the DriveAdvisor device; and 3. provide a valid address. This program has no impact on the premium or coverage selections. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. 294 Copyright, The Commerce Insurance Company, 2013

7 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL TITLE PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX FORM NO. AAA Member Package Endorsement CIC 2114 (Ed. (Ed ) Accident Forgiveness CIC-2209 (Ed ) Agreed Amount Comprehensive MPY-0034-S Ed ) Antique Auto M-0047-S (Ed Rev.) Auto Loan/Lease Coverage CIC 2125 (Ed. 5-12) Commerce VIP Package Endorsement CIC 2123 (Ed ) Commerce Elite Package Endorsement CIC 2126 (Ed ) Coverage for Anyone Renting An Auto To You M-0070-S (Ed ) Coverage for Customized Vans and Pickups MPY-0037-S (Ed ) Disappearing Deductible Credit Endorsement CIC-2197 (Ed. 05/13) DriveAdvisor Program Endorsement CIC-2229 (Ed. 12/13) Enhancer Package Endorsement CIC 2122 (Ed ) Excess Electronic Equipment Coverage MPY-0041-S (Ed Rev.) $100 Glass Deductible MPY-0039-S (Ed ) Guest Occupants Exclusion - Motorcycles M-0002-S (Ed ) Massachusetts Automobile Insurance Policy 2008 Edition Massachusetts Mandatory Endorsement M-0099-S (Ed ) Mobile Home Endorsement MPY-0002-S (Ed ) Motorcycle Accessory Coverage CIC-2174 (4/11) Non-Renewal of Policy Motorcycles, Recreational Vehicles and Trailers M-0103-S (Ed ) Notice to Policyholders CIC-2211 (11/13) Notice to Policyholders CIC-2210 (11/13) Operator Exclusion Form CIC-616 (Ed ) Original Equipment Manufacturer Parts Coverage MPY-0040-S (Ed ) Other Optional Insurance Combined Additional Coverage MPY-0031-S (Ed ) Other Optional Insurance Fire, Lightning and Transportation MPY-0028-S (Ed ) Other Optional Insurance Theft MPY-0029-S (Ed ) Stated Amount Coverage MPY-0027-S (Ed Rev.) Suspension of Coverage - Reduction of Limits MPY-0032-S (Ed ) Transportation of Fellow Employees, Students or Others M-0004-S (Ed ) Trust Endorsement M-0107-S (Ed ) Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S (Ed ) Vehicle Sharing Exclusion CIC-2212 (Ed ) Waiver of Deductible MPY-0016-S (Ed Rev.) B-1 Copyright, The Commerce Insurance Company, 2013

8 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL SECTION II - PRIVATE PASSENGER AUTOMOBILES (cont.) Rule No. Page 32 Pick-Ups, Vans, and Similar Type Vehicles Towing and Labor Cost Trailers Designed for Use with Private Passenger Motor Vehicles AAA Member Package Endorsement Commerce VIP Member Package Endorsement Optional Endorsements Commerce Enhancer Package Commerce Elite Package Auto Loan/Lease Coverage Motorcycle Accessory Endorsement DriveAdvisor Program Endorsement Disappearing Deductible Credit Rule No. SECTION III - MISCELLANEOUS MOTOR VEHICLES AND COVERAGES 39 Motor Homes/Camper Bodies Antique Motor Cars and Motorcycles Stated Amount Coverage Fire, Theft and Combined Additional Coverages Reserved for Future Use Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles Agreed Amount Coverage - Comprehensive Excess Electronic Equipment Coverage Customized Vans and Pickups Original Equipment Manufacturer Parts Coverage Rule No. SECTION IV - NON-OWNED AUTOMOBILES 49 Named Non-Owner Policy Use of Other Automobiles Reserved for Future Use Rule No. SECTION V - SUPPLEMENTAL INFORMATION 54 Anti-Theft Device Standards and Discounts Pre-Insurance Inspection Program Merit Rating Plan Accident Forgiveness Increased Limits Tables Reserved For Future Use Registry of Motor Vehicles Procedures TC - 2 Copyright, The Commerce Insurance Company, 2013

9 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Auto Loan/Lease Coverage CIC 2125 A policy providing Part 7 - Collision and Part 9 - Comprehensive may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a new vehicle, and the actual cash value of the vehicle, subject to the following: a. Auto Loan/Lease Coverage may be provided only to a vehicle that is a private passenger auto, pickup, or van, as defined in Rule 27, except that antiques and motor homes/camper bodies are not eligible; and b. The insured must request, and the auto loan/lease coverage must be added, within 30 days of leasing or financing a new vehicle. A new vehicle is defined as one which is 5 model years old or less; or c. Coverage may be applied to a vehicle written on a new business policy provided the vehicle had the same coverage on a previous policy and is 5 model years old or less. There is a 5% charge of both the Part 7 - Collision and Part 9 - Comprehensive premiums for this endorsement. Motorcycle Accessory Coverage CIC 2174 Motorcycle Accessory Coverage may be purchased to provide protection from physical damage to or loss of accessories, on a motorcycle or motorcycle trailer, other than those that are original manufacturer installed and which alter the appearance or performance of a motorcycle or motorcycle trailer. This includes but is not limited to: a. Permanently installed electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or playback recorded media. Items must be installed using bolts or brackets, including slide-out brackets; b. Sidecars; c. Custom paint, custom plating, custom seats and custom exhaust; d.. Safety riding apparel. This includes safety apparel specifically designed to minimize injury from an accident. This includes but is not limited to helmets, leather clothing, riding boots and gloves, and protective eyewear. Certain exclusions will apply. Please refer to the endorsement for additional details. This endorsement may be purchased for any motorcycle that has Part 9 - Comprehensive Coverage in increments of $1,000, up to a maximum limit of $25,000. Please refer to the Miscellaneous Rate Page for the applicable premiums per $1,000 of coverage. DriveAdvisor Program Endorsement CIC 2229 DriveAdvisor is a voluntary program available to eligible operators to promote safe, accident-free driving. As a DriveAdvisor participant, the insured will be provided with a device to install in their auto. The device collects data, which is analyzed for the purpose of providing online feedback and information about the insureds driving patterns. Participation in DriveAdvisor is subject to the program s terms and conditions. DriveAdvisor Endorsement is eligible to Insureds who: 1. at the time of program enrollment, have an operator on their policy with: a. less than three years driving experience; or b. 5 or more Merit Rating points, 2. have a 1996 or newer automobile that is compatible with the DriveAdvisor device; and 3. provide a valid address. This program has no impact on the premium or coverage selections. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. 294 Copyright, The Commerce Insurance Company, 2013

10 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL TITLE PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX FORM NO. AAA Member Package Endorsement CIC 2114 (Ed. (Ed ) Accident Forgiveness CIC-2209 (Ed ) Agreed Amount Comprehensive MPY-0034-S Ed ) Antique Auto M-0047-S (Ed Rev.) Auto Loan/Lease Coverage CIC 2125 (Ed. 5-12) Commerce VIP Package Endorsement CIC 2123 (Ed ) Commerce Elite Package Endorsement CIC 2126 (Ed ) Coverage for Anyone Renting An Auto To You M-0070-S (Ed ) Coverage for Customized Vans and Pickups MPY-0037-S (Ed ) Disappearing Deductible Credit Endorsement CIC-2197 (Ed. 05/13) DriveAdvisor Program Endorsement CIC-2229 (Ed. 12/13) Enhancer Package Endorsement CIC 2122 (Ed ) Excess Electronic Equipment Coverage MPY-0041-S (Ed Rev.) $100 Glass Deductible MPY-0039-S (Ed ) Guest Occupants Exclusion - Motorcycles M-0002-S (Ed ) Massachusetts Automobile Insurance Policy 2008 Edition Massachusetts Mandatory Endorsement M-0099-S (Ed ) Mobile Home Endorsement MPY-0002-S (Ed ) Motorcycle Accessory Coverage CIC-2174 (4/11) Non-Renewal of Policy Motorcycles, Recreational Vehicles and Trailers M-0103-S (Ed ) Notice to Policyholders CIC-2211 (11/13) Notice to Policyholders CIC-2210 (11/13) Operator Exclusion Form CIC-616 (Ed ) Original Equipment Manufacturer Parts Coverage MPY-0040-S (Ed ) Other Optional Insurance Combined Additional Coverage MPY-0031-S (Ed ) Other Optional Insurance Fire, Lightning and Transportation MPY-0028-S (Ed ) Other Optional Insurance Theft MPY-0029-S (Ed ) Stated Amount Coverage MPY-0027-S (Ed Rev.) Suspension of Coverage - Reduction of Limits MPY-0032-S (Ed ) Transportation of Fellow Employees, Students or Others M-0004-S (Ed ) Trust Endorsement M-0107-S (Ed ) Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S (Ed ) Vehicle Sharing Exclusion CIC-2212 (Ed ) Waiver of Deductible MPY-0016-S (Ed Rev.) B-1 Copyright, The Commerce Insurance Company, 2013

11 Dear Policyholder, Congratulations on enrolling your vehicle(s) in our new DriveAdvisor Program. Once you install your device(s), be sure to use the DriveAdvisor website often to get useful information about the driving patterns of your enrolled inexperienced driver(s). This insight can help him or her learn to drive as safely as possible. What s Next? Within a couple days of enrolling a vehicle in the DriveAdvisor program, you will receive a Welcome with a personal link to the DriveAdvisor website and instructions on how to register. Registration involves setting a personal password and accepting the Terms of Use. Once registration is complete, the device(s) will be shipped and you will receive a Shipment with a USPS Priority Mail tracking number. The Shipment provides instructions on how and where to install the device and includes instructions on how to locate a vehicle s OBD port which is where the device will be self installed. The shipping package also includes instructions on how and where to install the device. You must register on the website within 21 days of enrolling and must install the device in the vehicle within 28 days of shipment to remain in the program. Note: Program s will come from support@mapfredriveadvisor.com. Please save this address in your contact list and check your spam folder to make sure you receive these s. DriveAdvisor Program Frequently Asked Questions What is DriveAdvisor and how does it benefit customers? DriveAdvisor is a voluntary program that offers feedback and insight about driving patterns to inexperienced drivers and their parents through the use of a telematics device. This program educates inexperienced drivers about improving their safe driving habits and can help to reduce their risk of having an accident. How does the DriveAdvisor Program work? Participating insureds: 1. enroll eligible vehicles through their agent; 2. register on the DriveAdvisor website; 3. install and keep the DriveAdvisor device(s) in the correct vehicle; and 4. monitor their driving performance on the DriveAdvisor website to gain insight on how to improve safe driving habits. Will a participant s driving data be used to change their policy premium? No, DriveAdvisor participation does not affect the policy premium. The program is designed as a free Loss Prevention Service to help participants become safer drivers. Who is eligible for the DriveAdvisor Program? Insureds who: 1. have an inexperienced (0-2 years licensed) driver on their policy OR a driver that has 5 or more SDIP points on their license 2. have a 1996 or newer automobile that is compatible with the DriveAdvisor device; and 3. provide a valid address.

12 How is vehicle compatibility checked? All 1996 and newer automobiles are automatically checked during the quoting or endorsement process if a vehicle is selected for the DriveAdvisor Program. If a selected vehicle is NOT compatible with the DriveAdvisor device, enrollment will be removed and an error message will be displayed on the screen. What information does the DriveAdvisor device collect? The device records the vehicle speed, engine RPM, and vehicle location and heading on up to a second-by-second basis. This data is securely transmitted within 24 hours at the end of each trip automatically via cellular networks. The device also captures the vehicle s VIN and when the device is installed and disconnected. What driving information can participants see on the password-protected DriveAdvisor website? Based on the raw data collected, the driving information available to participants includes how much, when, how, and where the vehicle is driven including daily miles driven, time of day driven, hard braking events, severe braking events, hard acceleration events, high speed events, and extreme speed events. Vehicle location is captured to provide Trip Maps that pinpoint where any driving events occur for additional insight. Participants use their address as their user id and the password they created during registration to access their driving information on the DriveAdvisor website. The website address is driveadvisor.mapfrecommerceinsurance.com. Can a participant withdraw from the program after enrolling? Participation is optional and voluntary. A participant can withdraw any or all vehicles from the program at any time without penalty. If a participant fails to comply with the Terms of Use of the program, we will remove the vehicle(s) from the program without penalty. An providing instructions on how to return the DriveAdvisor device is sent to participants when a vehicle is withdrawn from the program. The device must be returned within 45 days of withdrawal or a $100 Non-Returned Device Fee will be charged. Can a participant move the DriveAdvisor device from one vehicle to another depending on which one is being driven? No one of the conditions of the program is that the device remains in the enrolled vehicle for the duration of participation in the program. Each device is assigned to a specific vehicle and reports VIN mismatches when a device is installed and disconnected so we can assure the consistency and authenticity of the data collected. A device may be removed temporarily for vehicle maintenance if access to the OBD port is needed but should be reinstalled immediately after the service is complete. If a replacement vehicle is purchased for a sold or totaled DriveAdvisor vehicle, the participant will be informed if the device can be transferred to the replacement vehicle. Customer Support For any questions regarding the DriveAdvisor program, please contact the DriveAdvisor Support Team at driveadvisor@mapfreusa.com, or call them at

13 Welcome to the MAPFRE Commerce Insurance DriveAdvisor Program Providing you feedback on how your new driver can drive more safely Vehicle(s) Enrolled 2011 Audi Q7 VIN Honda Accord VIN Dear Emily Chien, We are pleased to welcome you to the MAPFRE Commerce Insurance DriveAdvisor Program. DriveAdvisor is designed to provide new drivers with feedback on how they can increase their safe driving habits. To complete enrollment in the DriveAdvisor Program you must do the following: 1. Register your account on the DriveAdvisor website 2. Install your DriveAdvisor device(s) in the appropriate vehicle To register your account, simply click on the link below. It will take you to the DriveAdvisor website where you will create your password and accept the DriveAdvisor Terms of Use. Your website user name is: Please note that the link below is your personal link and must be used to register your account. Please Click here to register now. Next Steps Once you ve registered using the link above, we will ship your DriveAdvisor device(s) and send you an with a USPS Priority Mail tracking number. All you have to do is install your device(s) upon arrival, track your new driver s driving performance on the DriveAdvisor website, and get tips on how to improve his or her safe driving habits. For any questions regarding your device, your account, or the program, please driveadvisor@mapfreusa.com or call the MAPFRE Commerce Insurance DriveAdvisor Customer Support Team at

14 Thank you and Drive Safely! MAPFRE Commerce Insurance DriveAdvisor Customer Support Team

15 Your DriveAdvisor Device(s) Will Be Arriving Soon Dear Emily Chien, We ve shipped your MAPFRE Commerce Insurance DriveAdvisor device(s) using USPS Priority Mail to the following address: Emily Chien 100 Main Street Irvine, CA Here is the USPS Priority Mail tracking link for your device(s): Enrolled Vehicle(s) 2011 Audi Q7 VIN Honda Accord VIN Tracking information via USPS By clicking on the link above, you will be able to track your package via USPS. You should receive your package in a few days. If you do not receive the package within seven days of this notice, or if you cannot locate your package on the link above, please contact us at driveadvisor@mapfreusa.com or call Inside the box, every device has a package label indicating the designated vehicle for that device. Please make sure you install the device in the appropriate vehicle. Installing Your Device Once you receive your device, please plug it in the OBD port (Onboard Diagnostic System) of the enrolled vehicle. Please install your device(s) as soon as possible. If you do not install your device(s) within 28 days after the device shipment date, your vehicle(s) will be removed from the DriveAdvisor program. We have included an installation guide in your package to take you through the process step by step. There is also a simple illustration of the possible OBD port locations to help you locate the OBD port in your vehicle(s). If you need further assistance, please contact us at driveadvisor@mapfreusa.com or call After installing the device in your vehicle, please take a trip at least around the block to initialize the device. Once the device is initialized, future trips will start appearing on your personal and secure customer portal at driveadvisor.mapfrecommerceinsurance.com. Please keep in mind that it might take up to several hours before you start seeing trip records. Thank you and Drive Safely! MAPFRE Commerce Insurance DriveAdvisor Customer Support Team

16 Your Device(s) Below Is Working Now You Can Check Out Your New Driver s DriveAdvisor Driving Data! Enrolled Vehicle (s) VIN Device Status Action Required 2012 Honda Accord XXXXXXXXXXXXXXXXX Reporting None 2008 Ford F-150 XXXXXXXXXXXXXXXXX Reporting None Dear Mary Jones, Thank you for installing and activating your DriveAdvisor telematics device(s). We want you to know that your device(s) is transmitting successfully and you have completed all the steps to enroll your vehicle(s) in the program. You can track your new driver s driving performance at driveadvisor.mapfrecommerceinsurance.com. Just sign in and your latest trips should be there. (Note that trips may take up to 24 hours to upload onto the site.) We encourage you to visit the site frequently to learn all you can about your new driver s driving behaviors and ways you can help him or her become a safer driver. For any questions regarding your device, your account, or the program, please driveadvisor@mapfreusa.com, or call the MAPFRE Commerce Insurance DriveAdvisor Customer Support Team at Thank you and Drive Safely! MAPFRE Commerce Insurance DriveAdvisor Customer Support Team

17 Getting Started

18 Getting Started There are four easy steps to installing and using this device. Step 1 Find Your Vehicle s OBD Port (On Board Diagnostic System) This port is typically located in one of four places: 1. Driver side kick panel 2. Driver side under dashboard 3. Front of center console 4. Center console You may have to get down on your hands and knees to find the OBD port. A flashlight might be handy, depending on how light your surroundings are. You may have seen someone access your OBD port before. It s the interface mechanics plug into to talk to the engine s computer system. It s the same interface used by the emissions control service personnel. Some vehicles have the OBD port access in unusual spots. If you cannot locate your vehicle s OBD port, check your owner s manual or call the MAPFRE Commerce Insurance DriveAdvisor SM Customer Support Team at Closeup View of OBD Port

19 Step 2 With the car turned OFF, plug the device into the OBD port. Important: Push the device firmly into the port to ensure proper connection. Each device MUST be installed in the vehicle that is printed on its package label. Devices cannot be transferred to another vehicle unless you are directed to do so by Customer Support. Step 3 Take a trip This first trip will initialize the device and may not appear on your trip records. Once the device is initialized, subsequent trips will start appearing on the DriveAdvisor SM website (driveadvisor.mapfrecommerceinsurance.com) your personal and secure portal. Please keep in mind that it might take up to several hours before your trips upload to this site. Step 4 Log in to your account and view your trips on the DriveAdvisor SM website. Your user name is your address and you have already set up your password. This portal gives you access to view your trips and driving reports with details like your driving Score, driving behavior, alerts, user management and Customer Support.

20 Questions? DriveAdvisor SM Customer Support Team: driveadvisor.mapfrecommerceinsurance.com CONNECT WITH US!» /mapfreinsurance commerceinsurance.com MAPFRE Commerce Insurance SM is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliate The Commerce Insurance Company of Webster, Massachusetts.

21 DriveAdvisor Program Terms of Use and Privacy Policy Welcome to the DriveAdvisor insurance program (the "Program") offered by MAPFRE Commerce Insurance ("MAPFRE Commerce Insurance" "we," or "us."). We are excited about offering you a chance to participate in the Program. This document contains important information about the Program offered by MAPFRE Commerce Insurance. By participating in the Program you accept these Terms of Use and Privacy Policy. You should read this document carefully to understand your rights, benefits, costs and limitations under the Program. We may modify these Terms of Use and Privacy Policy at any time in our discretion. When used in these Terms of Use, you means a policyholder or eligible operator, as appropriate. Your participation in the Program is optional and voluntary. You can withdraw from the Program at any time any or all vehicles you have enrolled. Also, if you fail to comply with these Terms of Use, we will remove your vehicle(s) from the Program. The Purpose of the Program. The purpose of the Program is to provide you with information that will allow you to monitor your driving performance through web-based and other tools and for us to collect that information (the "Data") for actuarial purposes (i.e., to study the value of the Data generally for consumer driving performance). The Program does NOT at this time involve using the Data in order to determine the rates of insurance you pay, to quote insurance prices, or to otherwise underwrite insurance products. The Program will, however, give you invaluable insight into your own driving patterns and give us the opportunity to study how driving performance generally might help us offer improved insurance products to our customers and the driving public. If MAPFRE Commerce Insurance determines, in its sole discretion, to change the purpose of the Program or the types of Data we collect, we will provide you with timely notice, and you will have the opportunity to opt-out of the Program. How the Program Works. We will provide you with a small telematics device (a "Device") for you to install in the vehicle you enroll in the Program. The Device captures certain Data about your vehicle and your driving patterns. The Data is described more fully below. The Data is then transmitted via wireless means to computer servers that will allow you to access the Data through a secure, passwordprotected, web-based tool called the DriveAdvisor website at (the DriveAdvisor website ). By using the DriveAdvisor website, you will be able to see, for example, the number of miles you drive, your braking and acceleration patterns, the times of day you drive, the roads on which you drive your vehicle and the places you park your vehicle, your vehicle speed and other information that will help you assess how you drive your vehicle. We will also have secure access to the Data, and we plan to use the Data to determine whether it is relevant to the products we might offer you and other drivers.

22 Obligations Relating to the Device. By participating in the Program, you agree that we own the Device, to install and to maintain the Device according to the directions that we provide, and not to damage or destroy the Device. You also agree to return the Device to us if you withdraw from the Program or upon our written request at any time. If you fail to return the Device within 45 days of withdrawal or when we request its return in writing, you agree to pay us one hundred dollars ($100) (the Non-Returned Device Fee ). We and our partners and vendors retain all right, title and interest in and to the Device and the software and firmware included in the Device. You may not reverse engineer, disassemble, decompile, alter, duplicate, translate, make copies, or create derivative works from the Device or firmware, or otherwise attempt to derive the source code of the software or firmware associated with the Device. You may only install the Device on the vehicle you have enrolled in the Program. If you are not the owner of the vehicle enrolled in the Program, you agree that you have the consent of the owner to install the Device and provide the Data to us as described in these Terms of Use. Switching the device between vehicles without prior approval is not permitted, and the Device will send a VIN mismatch signal if installed in a different vehicle. You may remove the Device from your vehicle prior to having your vehicle serviced, but you should reinstall the Device promptly when your vehicle is returned to you. Continuous or frequent removal and/or disconnection of the Device may jeopardize your participation in the Program. Tampering with the Device. You agree not to tamper with the Device. If you do tamper with the Device, we may turn off the Device, require that you return the Device to us, or take other action, including removing you from the Program. The Device Draws on Your Vehicle's Battery. The Device draws a minimal amount of current from your vehicle's battery, even when your vehicle is parked. You should be careful about using the Device if your vehicle has an old or weak battery. The Data and the Obligations Related to the Data. As we explained, the Device not only captures certain Data, but it transmits the Data to computer servers so that you and we can access the Data. We will be collecting the following Data from the Device: vehicle speed engine RPM vehicle heading time of day vehicle is being driven vehicle location (while being driven and when parked)

23 vehicle identification number, or VIN Device connect(s) and disconnect(s) You agree that we may, after giving you reasonable notice, change the type of Data that we collect as part of the Program. If, after you receive such a notice, you wish to opt-out of the Program, you need only let us know either by contacting us at driveadvisor@mapfreusa.com, by calling the MAPFRE Commerce Insurance DriveAdvisor Customer Support Team at or by notifying your insurance agent. By participating in the Program, you agree to provide the Data to us and that we own the Data gathered by the Device. We may retain and use the Data according to these Terms of Use and Privacy Policy. Once the Data is transmitted to us from the Device, it will be erased from the Device, and we will retain the Data for as long as we wish or as allowed by applicable law. In addition, upon your returning the Device to us, any Data remaining on the Device will be erased from the Device. Once we receive the Data, it will be stored in a secure environment. However, the Data will be transmitted from your vehicle by wireless means and there exists the possibility that someone or some organization might intercept the Data. You agree and understand that neither we nor any of our third party vendors, including The Evogi Group, Inc. ( Evogi ) are responsible if any Data are delayed, lost, altered or intercepted (for any purpose) during the transmission of such communications across networks that are not owned and/or operated by MAPFRE Commerce Insurance or its third party vendors, including Evogi. Permission to Use the Data and Certain Restrictions. MAPFRE Commerce Insurance grants you the right, known as a limited, non-exclusive license, to use the DriveAdvisor website and to access the Data through the DriveAdvisor website, each according to MAPFRE Commerce Insurance's rules, which we may change in our discretion. We may revoke this license at any time for any reason. If at any time, you opt-out of the Program or remove the Device from your vehicle in violation of these Terms of Use and Privacy Policy, your license to use the DriveAdvisor website and to access the Data shall automatically terminate. Just as we retain all right, title, and interest in the Device and its associated software and firmware, we and our partners and vendors, including Evogi, retain all right, title and interest in and to the Data. You may not decompile, alter, duplicate, translate, make copies, or create derivative works arising from or relating to the Data. Notice Concerning Possible Disclosure of the Data. We will treat the Data as confidential information and will protect it as required by applicable law, including without limitation 201 Code of Massachusetts Regulations (Standards for the Protection of Personal Information of Residents of the Commonwealth). We will only use the Data for purposes of implementing and improving the Program. We will not disclose any Data that identifies you in any way to any person or entity unless we are ordered to do so by a

24 court of competent jurisdiction, a request from governmental authority such as a police department, or if we receive legal process (such as a subpoena in a civil lawsuit). We will not use Data obtained from the Device in adjusting any specific claim you may have unless you specifically request in writing that we do so. Use of the DriveAdvisor website. As part of the Program, you will be able to create a personal account at the DriveAdvisor website, which can be found at and log on at any time to review the Data. The DriveAdvisor website is owned and maintained by Evogi, with whom MAPFRE Commerce Insurance is collaborating to make the Program available to you. By accessing and using the DriveAdvisor website, you are indicating your acceptance of these Terms of Use and the Privacy Policy. If you allow any other person to access your personal account, he or she must comply with these Terms of Use and the Privacy Policy, as they may be applicable to him or her. You will remain responsible for any action by such person that violates these Terms of Use. The software used on the DriveAdvisor website is protected by copyright and other intellectual property laws and is licensed, not sold, to you. Your use of the DriveAdvisor website and the software will not give you any ownership or intellectual property rights in the DriveAdvisor website or the software, firmware, object or source code that comprises the DriveAdvisor website. If you choose to stop using the Device and cancel your participation in the Program (or if we determine, in our sole discretion, that you may not participate in the Program, use the Device, or access the DriveAdvisor website), your license to use or access the website shall automatically terminate. You agree that you will not tamper with the DriveAdvisor website or the software or firmware that comprises the DriveAdvisor website or at any time do or cause to be done any act or thing that impairs the rights of the owner of the DriveAdvisor website or the software. You also agree not to introduce any computer virus, trojan horse, worm, malware, or other computer software intended to cause harm to the DriveAdvisor website or the software or computer of another person or entity when using the Device or the DriveAdvisor website. Wireless Phone Alert/Text Service. Depending upon the product and service you order, you may have the option to receive alerts and texts on a cell phone number you provide. You acknowledge that some wireless service providers may charge additional fees for sending and receiving text messages, and that you are responsible for any such charges or fees. If you change your cell phone number while participating in the Program, you may update this information by logging into your personal account at the DriveAdvisor website and changing your wireless contact information for this alert/text service. You may also change your participation in the wireless phone alert/text service by logging into the DriveAdvisor website and modifying your preferences. Disclaimer of Warranties. MAPFRE COMMERCE INSURANCE MAKES NO WARRANTY, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF ANY KIND REGARDING THE DEVICE OR THE RELATED SOFTWARE WHICH ARE PROVIDED ON AN AS-IS BASIS AND EXPRESSLY DISCLAIMS ANY REPRESENTATION OR

25 WARRANTY THAT THE DEVICE OR RELATED SOFTWARE WILL BE ERROR-FREE, SECURE OR UNINTERRUPTED. Disclaimer of Damages and Limitation of Liability. YOU AGREE THAT MAPFRE COMMERCE INSURANCE'S LIABILITY FOR DAMAGES CAUSED BY THE DEVICE SHALL BE LIMITED TO PROPERTY DAMAGE CAUSED BY INSTALLATION OF THE DEVICE IN THE VEHICLE IN WHICH IT IS INSTALLED. MAPFRE COMMERCE INSURANCE WILL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES ARISING OUT OF, RELATED TO OR IN CONNECTION WITH THE DEVICE, THE DRIVEADVISOR WEBSITE, THE RELATED SOFTWARE OR THEIR USE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE DEVICE, THE DRIVEADVISOR WEBSITE AND RELATED SOFTWARE AND/OR THE DATA IS TO STOP USING THE DEVICE, THE DRIVEADVISOR WEBSITE AND RELATED SOFTWARE. FURTHER, MAPFRE COMMERCE INSURANCE SHALL NOT BE LIABLE FOR ANY CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR BODILY INJURY OR DAMAGE TO OTHER VEHICLES OR PROPERTY CAUSED BY OR RESULTING FROM INSTALLATION OF THE DEVICE. REMEMBER THAT YOU ARE RESPONSIBLE FOR OBEYING APPLICABLE LAWS AND POSTED SPEED LIMITS. THE FACT THAT THE DEVICE MEASURES HIGH SPEED EVENTS DOES NOT IMPLY THAT MAPFRE COMMERCE INSURANCE HAS INDUCED OR ENCOURAGED YOU TO DRIVE IN EXCESS OF SPEED LIMITS OR TO VIOLATE THE LAW. YOU ARE RESPONSIBLE FOR YOUR OWN DRIVING BEHAVIOR. Privacy Policy and Our Commitment to Protect Your Privacy. MAPFRE Commerce Insurance has always made it a priority to protect your personal and privileged information. We do not sell your information. We limit access to your personal information to those persons or third party vendors, such as Evogi, who need to know it to perform their jobs and to provide service to you, and as required or permitted by law. We and our third party vendor, Evogi, are committed to protecting the privacy and security of the Data. We maintain physical, electronic and administrative safeguards to secure your personal information. However, perfect security does not exist on the internet, and there is always some risk in transmitting information electronically. As we deem appropriate and as may be required by applicable law, including without limitation 201 C.M.R , we use security measures consistent with industry standards, such as firewalls and encryption technology, to protect your information. However, since no security system is impenetrable, we cannot guarantee the security of the Data, nor can we guarantee that Data transmitted from the Device will not be intercepted while being transmitted to us wirelessly. We protect information of former customers in the same way as for our current customers. We described above the types of Data that we will collect as part of the Program. We will not share Data that describes you personally with any person or entity except our employees or third-party vendors, including Evogi, who need to know the information to maintain the