Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT QM-0099-S (10 13)

Transcription

1 Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT QM-0099-S (10 13) This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to see how it affects your policy. Optional Insurance (Page 13): Paragraph 5. is deleted and replaced by the following: 5. For bodily injury or property damage caused by intentional acts committed or caused by you, a household member, or any other person using your auto with your consent. This exclusion applies even if the bodily injury or property damage is different from, or greater than, that which is expected or intended. Part 5. Optional Bodily Injury to Others (Page 14): Paragraph 5. is deleted and replaced by the following: 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to: 1. private passenger autos, or 2. pick-up trucks, vans, or similar vehicles having a gross weight of less than 10,000 pounds; not used for the delivery or transportation of goods, products, or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. General Provisions and Exclusions (Page 30): The following are added to your policy: 21. Actual Cash Value Whenever the appraised cost of repair of an auto plus the probable salvage value of the auto may be reasonably expected to exceed the actual cash value of the auto, we shall determine the auto s actual cash value. Our determination shall be based on a consideration of all of the following factors: 1.) the retail book value for an auto of like kind and quality, but for the damage incurred; 2.) the price paid for the auto plus the value of prior improvements to the auto at the time of the accident, less appropriate depreciation; 3.) the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser; and 4.) the actual cost of purchase of an available auto of like kind and quality, but for the damage sustained. Page 1 of 1 QM-0099-S (10 13)

2 MASSACHUSETTS AUTOMOBILE RENEWAL FORM (STATEMENT OF FACTS) ISSUED BY: POLICY NUMBER: POLICY RENEWAL DATE: INSURED NAME AND ADDRESS: AGENT NAME AND ADDRESS: Dear Insured, It is very important that we have accurate driver and garaging information. All household members who are licensed to drive and any individual(s) that regularly use your autos must be listed on your policy s Coverage Selection Page. You must also verify where your vehicles are garaged. Failure to list all licensed household members and individual(s) who regularly operate your autos, and the failure to provide accurate garaging information may reduce or eliminate coverages under your policy. Please verify this information and make any necessary changes. It is your obligation to review this renewal form. You further warrant that the information contained is true, accurate, and complete and that no material facts have been omitted, misrepresented or misstated. Operators currently shown on your policy: Our records show the following individuals are licensed household members or have regular access to your autos. Lic. Date First Licensed % of Use for Auto Please indicate the reason for any changes Opr. Operator Name Date of Birth License Number St. Auto Motorcycle Veh Veh Veh Veh (for example, "Driver Added" or No. mm/dd/yy mm/dd/yy mm/dd/yy "Corrected Information") Vehicles currently shown on your policy: Our records show the following automobiles are listed on your policy and are garaged at the location(s) listed below. Veh # Year Make and Model of Vehicle Garaging Location Please indicate the reason for any changes (for example, "Vehicle Deleted" or "Garaging Location Changed") Important Notice: If you or someone on your behalf knowingly gives us false, deceptive, misleading or incomplete information in this application and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts, we may also limit payments under Part 3 and Part 4, and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of household members, and customary operators required to be listed. IF YOU ARE MAKING CHANGES OR CORRECTING INFORMATION, PLEASE SIGN THIS FORM AND RETURN IT TO YOUR AGENT AT THE ADDRESS LISTED ABOVE. DATE INSURED'S SIGNATURE DO NOT RETURN THIS FORM IF THE VEHICLE, VEHICLE GARAGING AND DRIVER INFORMATION LISTED ABOVE IS ACCURATE OR IF YOU ARE NOT ATTACHING ANY DOCUMENTATION FOR CREDITS/DISCOUNTS (SEE REVERSE FOR DESCRIPTION OF CREDITS/DISCOUNTS AND REQUIRED DOCUMENTATION) amvrenewalquest 10 13

3 Credits and Discounts Available: Please review the following questions. If you answer "YES" to any of these questions, you may be eligible for a credit/discount. If you have any questions about these credits/discounts, or the verification information required in order to receive the credit/discount, please contact your agent. YES NO 1. Do you travel less than 7,500 miles a year? If YES, you may be eligible for a discount, contact your agent for further information. If we can verify this information from the Registry of Motor Vehicles we will apply the credit, otherwise, you must reapply on an annual basis. YES NO 2. Is your home insured by Quincy Mutual Group (Quincy Mutual Fire Insurance Company or New England Mutual Insurance Company) or Andover Companies (Cambridge Mutual, Merrimack Mutual, Baystate Mutual) or the Massachusetts Property Insurance Underwriting Association)? If YES, you may be eligible for up to 30% credit on your Homeowners policy. Include the policy number and the name of the insurance company or contact your agent for further information. YES NO 3. Are there any inexperienced operators (less than 6 years of driving experience) listed on your policy who maintain a grade point average of 3.0 (B) or better? If YES attach a certificate completed by a school official who can verify the operator's academic record or contact your agent for further information. (This discount is removed when the policy expires. You must apply for this Good Student discount every time the policy is renewed.) YES NO 4. Are there any inexperienced operators (less than 6 years of driving experience) listed on your policy who is a student and lives more than 100 miles or more from your residence premises? If YES provide the name of the school and where it is located. (This discount is removed when the policy expires. You must apply for this Student Away discount every time the policy is renewed.) Important Coverage Questions: Please review the following questions. If you answer "YES" to any of these questions you should contact your agent immediately in order to verify that you have the correct coverage on your policy. YES NO 1. Have you customized any vehicle or motorcycle listed on your policy? Examples of customization includes installing electronic equipment or custom furnishings; non-auto antennas; awnings, cabanas, or any equipment that creates additional living space. YES NO 2. Are any of your vehicles listed on your policy used for business or occupational duties other than commuting to and from work? For example, deliveries, business calls or transporting someone for a fee. YES NO 3. Are there any licensed driver(s) not currently listed on your policy who regularly operate any vehicle that is currently listed on your policy? YES NO 4. Are there any licensed household members that are not currently listed on your policy? YES NO 5. Are you, or any licensed household member, operating a motor vehicle without a Massachusetts license? Note that Massachusetts law requires that you obtain a Massachusetts license within one year. Failure to obtain a MA license could result in non-renewal of your policy. For more information on this matter consult the Registry of Motor Vehicles website at www. mass.gov/rmv If you answered YES to any of the above questions, please contact your Insurance agency: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines or a denial of insurance benefits. amvrenewalquest 10 13

4 POL.COMPANY.GROUP.NAME COVERAGE SELECTIONS PAGE This page and any attached endorsements form a part of your policy This policy is Issued By: POL.COMPANY.NAME Massachusetts Personal Automobile ITEM 1. This policy is Issued To: Agent: Policy Number POL.A POL.INSURED.NAME POL.AGENT.NAME P POL.INSURED.AD1 POL.AGENT.AD1 POL.INSURED.AD2 POL.AGENT.AD2 POL.INSURED.AD3 POL.AGENT.AD3 POL.INSURED.AD4 POL.AGENT.AD4 POL.EFFECTIVE.DATE POL.EXPIRATION.DAT ITEM 2. This policy is effective from: To: (12:01 A.M. Eastern Standard Time) ITEM 3. Description of your Auto: AUTO ITEM 4. This policy provides only the coverages for which a premium charge is shown. AUTO COVERAGES, PARTS 1-12 AUTO AUTO COMPULSORY INSURANCE LIMITS DEDUCTIBLE PREMIUM ADJUSTED PREMIUM 1. Bodily Injury to Others 2. Personal Injury Protection 3. Bodily Injury Caused by an Uninsured Auto (Compulsory Limits $20,000/$40,000) 4.Damage to Someone Else's Property (Compulsory Limit $5,000) OPTIONAL INSURANCE 5.Optional Bodily Injury to Others 6. Medical Payments 7. Collision 8. Limited Collision 9. Comprehensive 10.Substitute Transportation 11.Towing and Labor 12.Bodily Injury Caused by an Underinsured Auto Optional Coverages MERIT RATING PLAN $ per person $ per accident $ $ per person $ per accident NONE $ $ per person $ $ $ ( )Yourself ( P)Yourself and household members NONE $ $ $ PROP.AC per accident NONE $ PROP. $ PROP. $ per person NONE $ $ $ per person NONE $ $ $ BI.OPT. per accident $ BI.OPT. per accident $ MED.PER per person NONE $ MED.P $ MED.P $ per person NONE $ $ COL.LIMIT CC $ COL. $ COL.P $ COL.P $ $ $ LCOL.LIMIT LL $ LCOL $ LCOL. $ LCOL. $ $ $ COMP.LIMIT CC $ COMP $ COMP. $ COMP. $ $ $ Up to $ a day NONE $ $ $ TRAN maximum Up to $ TOW. each NONE $ TOW.P $ TOW.P disablement $ $ per person per accident NONE $ $ CREDIT $ $ ADDITIONAL PREMIUM $ $ PREMIUM $ $ LIMITS $ per person $ per accident $ $ per person $ per accident DEDUCTIBLE PREMIUM ADJUSTED PREMIUM NONE $ $ per person $ $ $ ( )Yourself ( P)Yourself and household members NONE $ $ $ PROP.AC per accident NONE $ PROP. $ PROP. Up to $ a day NONE $ $ $ TRAN maximum Up to $ TOW. each NONE $ TOW.P $ TOW.P disablement $ $ per person per accident NONE $ $ $ $ $ $ CREDIT $ $ ADDITIONAL PREMIUM $ $ PREMIUM $ $ TOTAL PREMIUM $ $ WAIVE.MSG Superior Air bag/auto One Pay Continuous Good Student Preferred Good Early Discount % Age 65+ Anti-Theft Multi-Car Account Mileage Client Seatbelts Plan Coverage Student Away Operator Driver Issue AUTO AUTO V GLASS.MSG V V VEH.DESC VEH.VIN VEH VEH VEH VEH BI.PERS BI.ACCI PIP.PE BI.UNIN BI.UNIN BI.OPT. Identification Numbers of Endorsements Forming a Part of this Policy FORMS.ENDORSE.MSG FORMS.LINE.1 FORMS.LINE.2 V VEH.DESC #002 VEH.VIN #002 POL.NUMBER POL.DIRECT. V VEH.NEW.COST V VEH.NEW.COST TRA BI.UNDE BI.UNDE VEH VEH PIP. BI.PR PIP.P BI.UN BI.OP TRAN. BI.UN BI.PR PIP.P BI.UN BI.OP TRAN. BI.UN OPTCO OPTCO SD SDIP. SDIP. SD SDIP. SDIP. VEH.T VEH.T RISK.MSG VEH VEH VEH VEH VEH VEH VEH VEH BI.PERS BI.ACCI PIP.PE BI.UNIN BI.UNIN BI.OPT. BI.PR OPTCO OPTCO SD SDIP. SDIP. SD SDIP. SDIP. VEH.T VEH.T POLIC POLIC ITEM 5. Place of Principal Garaging ITEM 6. Secured Lender/Lessor-Additional Insured, if Rented Auto AUTO V VEH.GARAGE VEH.LOSSPAYEE AUTO V VEH.GARAGE #002 VEH.LOSSPAYEE #002 Driver Information: Opr. Operator Name Date of Birth License Number Lic. St. Date First Licensed Driver Extra Risk 7=Part 7 9=Part 9 Deferred Operator Status: O-Occasional P-Principal E-Excluded No. mm/dd/yy Auto mm/dd/yy Motorcycle mm/dd/yy Training Veh Veh Veh Veh Operator Veh 1 Veh 2 Veh 3 Veh 4 D DRV.1.NAME DRV.1.DO DRV.1.LICENSE DR DRV.1.LI DRV.1.MC D DR DR DR DR D D D D D D DRV.2.NAME DRV.2.DO DRV.2.LICENSE DR DRV.2.LI DRV.2.MC D DR DR DR DR D D D D D D DRV.3.NAME DRV.3.DO DRV.3.LICENSE DR DRV.3.LI DRV.3.MC D DR DR DR DR D D D D D D DRV.4.NAME DRV.4.DO DRV.4.LICENSE DR DRV.4.LI DRV.4.MC D DR DR DR DR D D D D D D DRV.5.NAME DRV.5.DO DRV.5.LICENSE DR DRV.5.LI DRV.5.MC D DR DR DR DR D D D D D D DRV.6.NAME DRV.6.DO DRV.6.LICENSE DR DRV.6.LI DRV.6.MC D DR DR DR DR D D D D D PAGE P OF P REFER TO OTHER SIDE FOR ADDITIONAL INFORMATION MADEC13 10/13 SEND COPY TO DEC.MESSAGE VEH VEH PIP. PIP.P BI.UN BI.OP PIP.P BI.UN BI.OP MED.PER MED.P MED.P COL.LIMIT #002 LCOL.LIMIT #002 CC LL COL. LCOL COL.P LCOL. COL.P LCOL. COMP.LIMIT #002 CC COMP COMP. COMP. TRA TRAN. TRAN. BI.UNDE BI.UNDE VEH VEH VEH VEH VEH VEH VEH VEH BI.UN VEH VEH BI.PR BI.UN VEH VEH

5 Check carefully that all operators of your auto(s) are shown. Your failure to list a household member or any individual who customarily operates your auto may have very serious consequences. NOTICE: If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging of the vehicle(s) to be insured, the names of all household members and customary operators required to be listed and the answers given above for all listed operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of their previous driving records. The Merit Rating Board may verify the accuracy of the previous driving records of all listed operators. We will not pay for a collision or limited collision loss for an accident which occurs while your auto is being operated by a household member who is not listed as an operator on your policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on your policy because the household member would be classified as an inexperienced operator or would require payment of additional premium on your policy under the Merit Rating Plan. DISCOUNTS: Several discounts are available and your premium has been reduced if one or more of the following categories is indicated in Item 4. Age 65 Air Bag/ Anti-Theft Device/ Annual Mileage Multi-Car Preferred and Older Automatic Vehicle Recovery Discount Operator Seatbelts System Coverage All Parts 2, 3, Part 9 Parts 1-8 Parts 1-8 Parts 1, 2, 4, All 6, and 12 and 12 and 12 5, 7, 8 and 9 Discount 5-36% Available 25% 25% Depending on the 10% 5% 10% 4% category of device Student One Pay Continuous Away at Good Passive Account Good Superior Billing Coverage School Student Restraint Credit Driver Client Early Issue Coverage All Parts 1,2, 4 and 5 All All Parts 2, 3, 6 and 12 All Parts 1, 2, 4 and 5 All All Discount Available 5% 10% 5% 5% 25% ACCT.CR 10% 7% 5% PART 5 - OPTIONAL BODILY INJURY TO OTHERS The limits shown for this Part are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown for this Part and are not in addition to them. PART 12 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO The limits shown for this Part are subject to adjustment. We will only pay for any unpaid damages up to the difference between the total amount collected from the automobile bodily injury liability insurance covering the owner and operator of the underinsured auto and the limits shown for this Part. MERIT RATING PLAN The Merit Rating adjustment shown on the reverse side for each auto is based on the driving records of the operators listed on your policy. Credits result from 5 or 6 years of incident-free driving. If an additional premium is shown for any auto, refer to the Merit Rating Plan statement furnished with your Coverage Selections Page to determine how the additional amount for each listed operator was calculated. The operator with the highest combined operator classification and Merit Rating Code shall be assigned to the auto with the highest premium for Parts 1, 2, 4, 5, 7, 8 and 9. The operator with the next highest combined operator classification and Merit Rating Code shall be assigned to the auto with the next highest premium and so forth. ADDITIONAL INFORMATION: COMMENT.1 COMMENT.2 COMMENT.3 COMMENT.4 COMMENT.5 COMMENT.6 COMMENT.7 COMMENT.8 COMMENT.9 COMMENT.10 COMMENT.11 COMMENT.12 COMMENT.13 COMMENT.14 V E H # CO USE PAGE RATING CLASS PREM. TOWN CURR DATE CLASS STAT. CAR ID TYPE RISK END NO COMM TO TOWN COUNTERSIGNED BY P OF P ORIGINAL.DATE EST. MILES PIP LIABILITY LIMITS COV DED BI PD MED U1 U2 COL LOSS OF USE PHYSICAL DAMAGE COVERAGES HT OTC AGE SYMBOL ATD MCD PRE CMP CMP ER COL ER EXP MRP CODE AUTHORIZED AGENT P R SND EQ OEM S STAT STA STAT S S STA STAT S ST ST ST ST ST ST STA STA STA S ST ST S S S S ST ST ST ST S STA S S STAT STA STAT S S STA STAT S ST ST ST ST ST ST STA STA STA S ST ST S S S S ST ST ST ST S STA S CO.CUR CO. MADEC13 10/13

6 RULE 11. PREMIUM CALCULATION RULE The appropriate Rating Tier assignment must first be determined from Rule 26.1 A. This premium determination Rule applies separately to Private Passenger vehicles as defined in Rule 27. and to Motorcycles. For Miscellaneous type vehicles, refer to the Miscellaneous rate pages of the manual to calculate the premium. Once the Tier and type of vehicle is determined, follow the appropriate calculation rule below. A. Private Passenger Vehicles in Rating Tiers I-IV only Liability Coverages: Bodily Injury Liability (Part 1) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 1 manual rate page based upon the Tier, territory and classification for this coverage part. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Personal Injury Protection (Part 2) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 2 manual rate page based upon the Tier, territory and classification for this coverage part. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Multiply by the deductible % shown on the rate page for a deductible buy-back credit, if applicable. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Property Damage Liability (Part 4) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 4 manual rate page based upon the tier, territory, and classification. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Multiply by the increased limits factor shown on the rate page, if applicable. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 5 manual rate page based upon the tier, territory, classification. 4. Multiply by the appropriate tier factor from Rule B., round. 7

7 5. If increased limits are desired, skip steps 3 and 4 and instead take Part 1 base premium based upon tier, territory and classification and add to Part 5 base premium based upon tier, territory and classification. Take result and multiply by increased limit factors shown on the Part 5 rate page and then subtract Part 1 base. Round. 6. Multiply by the appropriate tier factor from Rule B. Round. 7. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Determine the Rating Tier Assignment from Rule A. 2. Determine the base premium from the Statewide manual rate page based upon the tier, and amount of coverage desired for these coverage parts. 3. Multiply by the appropriate tier factor from Rule B. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 7 manual rate page based upon the tier, territory, and classification. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Refer to Rule 20. to determine the model year of the auto. 6. For Model Years 2010 and Prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 7. Multiply by the appropriate Model Year/Symbol factor shown in the model year/symbol pages or the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group pages for this coverage part. Round. (Refer to Rule 22. to determine the base premium for rating vehicles for which a symbol is not shown on the rate pages.) (Refer to Rule 21.B. to determine the base premium for rating vehicles not assigned a Vehicle Rating Group.) 8. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine premium for change in deductible provision. Round. 9. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 6% of the Collision base premium for the same model year and symbol (for model years 2010 and prior) or the same model year and Vehicle Rating Group (for model years 2011 and greater with policy effective dates on or after ) for the $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Determine the base premium from the manual rate page based upon the tier, and territory. 3. Multiply by the appropriate tier factor from Rule B., Round. 4. Refer to Rule 20. to determine the model year of the auto. 8

8 5. For Model Years 2010 and Prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 6. Refer to Rule 20. to determine the base premium for rating vehicles for which a model year is not displayed on the rate pages. 7. Refer to Rule 22. to determine the base premium for rating vehicles for which a symbol is not shown on the rate pages. (Refer to Rule 21 to determine the base premium for rating vehicles not assigned a Vehicle Rating Group.) 8. Multiply by the appropriate Model Year/Symbol factor shown in the model year/symbol pages or the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group pages for this coverage part. Round. 9. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine premium for change in deductible provision. Round. 10. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to the Statewide Rate pages by tier to determine base premium. The charge is per vehicle based upon the desired coverage limit. 2. Multiply the premium determined above by the tier factor for Rule B and then by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 50. Use of Other Automobiles. B. Private Passenger Vehicles in Rating Tier V. Liability Coverages Bodily Injury Liability (Part 1) and Personal Injury Protection (Part2) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the manual rate page based upon the tier, territory and classification for these coverage parts. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Property Damage Liability (Part 4) and Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the manual rate page based upon the tier, territory, classification and amount of coverage desired for these coverage parts. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative 9

9 order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Determine the base premium from the manual rate page based upon the tier, territory and amount of coverage desired for these coverage parts. 3. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 7 manual rate page based upon the tier, territory, and classification. 4. Refer to Rule 20. to determine the model year of the auto. 5. For Model Years 2010 and prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 6. Multiply by the appropriate Model Year/Symbol factor shown in the model year /symbol pages or the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group Pages for this coverage part. Round.(Refer to Rule 22 to determine the base premium for rating vehicles for which a symbol is not shown on the page. (Refer to Rule 21. B. to determine the base premium for rating vehicles not assigned a Vehicle Rating Group.) 7. Refer to Rule 20. to determine the base premium for rating vehicles for which a model year is not displayed on the rate pages. 8. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine the premium for change in the deductible provision. Round. 9. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 6% of the Collision base premium for the same model year and symbol or the same model year and Vehicle Rating Group for the $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier by territory. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Determine the base premium from the manual rate page based upon the tier, and territory. 3. Refer to Rule 20. to determine the model year of the auto. 4. For Model Years 2010 and prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 5. Refer to Rule 20. to determine the base premium for rating vehicles for which a model year is not displayed on the rate pages. 6. Refer to Rule 22. to determine the base premium for rating vehicles for which a symbol is not shown on the rate pages. Refer to Rule 21.B. to determine the base premium for rating vehicles not assigned a Vehicle Rating Group. 10

10 7. Multiply by the appropriate Model year/symbol factor shown in the Model/Year Symbol pages or by the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group pages for this coverage part. Round. 8. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine premium change in deductible provision. Round. 9. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to Statewide rate pages by tier to determine base premium. The charge is per vehicle for automobiles and motorcycles based upon the desired coverage limit. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 50. Use of Other Automobiles. C. Motorcycles Tiers I-V Liability Coverages: Bodily Injury Liability (Part 1), Personal Injury Protection (Part2) and Property Damage (Part 4) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual motorcycle rate page based upon the tier, territory and group classification for these coverage parts. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our Motorcycle rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual motorcycle rate page based upon the tier, territory, group classification and whether or not guest coverage will be provided. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. 11

11 Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Determine the base premium from the manual motorcycle rate page based upon the tier, group classification and amount of coverage desired for these coverage parts. 2. Multiply by the appropriate tier factor from Rule 26.1.B. Round. 3. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value as original cost new in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory.round. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply by MC Age Factor. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 8% of the Collision base premium for the same $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier by territory. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory. Round. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply by MC Age Factor. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to Motorcycle Miscellaneous rate pages by tier to determine base premium. The charge is per vehicle for automobiles and motorcycles based upon the desired coverage limit. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 50. Use of Other Automobiles. C. Motorcycles Tier-V Liability Coverages: Bodily Injury Liability (Part 1), Personal Injury Protection (Part2) and Property Damage (Part 4) 12

12 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual rate page based upon the tier, territory and group classification for these coverage parts. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our Motorcycle rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual rate page based upon the tier, territory, group classification and whether or not guest coverage will be provided. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Determine the base premium from the manual rate page based upon the tier, group classification and amount of coverage desired for these coverage parts. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory. Round. 4. Multiply by MC Age Factor. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 8% of the Collision base premium for the same $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier by territory. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory. Round. 4. Multiply by MC Age Factor. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. 13

13 Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to Miscellaneous rate pages by tier to determine base premium. The charge is per vehicle for automobiles and motorcycles based upon the desired coverage limit. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 50. Use of Other Automobiles. RULE 12. WHOLE DOLLAR PREMIUM RULE The premium for each exposure shall be rounded at each step to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving $0.50 or more shall be rounded to the next whole dollar at the end of each step. This does not apply to Part 5, 20/40 limits and Part 6, $5,000 limit where rates displayed in the manual may be used or rounded to the lower whole dollar. This procedure shall apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company, the return premium may be carried to the next higher whole dollar. NOTE: The premium for each exposure means the premium developed for each coverage for each automobile after the application of all applicable discounts. RULE 13. INSTALLMENT PAYMENT OF PREMIUMS All motor vehicle insurance policy premium charges are due and payable on the effective date of the policy, subject to the provisions of the Deposit Premium Rule (Rule 14), unless an installment payment plan is used. RULE 14. DEPOSIT PREMIUM RULE A company, its producer or any broker may require deposit premium prior to the issuance of a policy provided the per vehicle deposit does not exceed 30% of the applicable annual premium for the insurance requested. If the applicant has been in default in the payment of any premium for automobile insurance or merit rating adjustment during the preceding 24 months, the entire policy premium charges are payable in advance. RULE 15. EMPLOYERS SUBJECT TO MASSACHUSETTS WORKERS COMPENSATION ACT Motor vehicles owned by an employer subject to the Massachusetts workers compensation law not used at any time to transport persons other than employees of the named insured shall be eligible for a 25% reduction in the Personal Injury Protection premium otherwise applicable. A vehicle which qualifies for this reduction is not eligible for any Personal Injury Protection deductible. RULE 16. DEDUCTIBLES - PARTS 7, 8 and 9 Deductibles, higher than the standard deductible, are available for Collision, Limited Collision and Comprehensive Coverages. Refer to Rate pages for parts 7, 8, and 9 by Tier for applicable factors. 14

14 RULE 19. DISCOUNTS Rule 19. Discounts are applicable to private passenger vehicles defined under Rule 27. See the Miscellaneous rate pages and rules for discounts applicable to Miscellaneous Type vehicles. A. Multi-Car- Not applicable in Tier V 1. A policyholder who owns two or more automobiles and purchases coverage from the same company for at least two such automobiles, shall be entitled to a 10 % reduction of the premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule The 10% reduction in premium as outlined in 1. above may also be applied if one private passenger auto is owned by the named insured(s) and a company vehicle is furnished to the named insured or resident spouse. A copy of the company car s registration must be provided. B. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. C. Class 15 Premiums otherwise applicable to class 11, 12, 13, and 14 automobiles shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the class 11, 12, 13, and 14 premium must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify the company of any change in operator usage which would affect entitlement to the discount. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating plan adjustment. D. Annual Mileage Discount A discount of the premium paid for Parts 1, 2, 3, 4, 5, 6, 7, 8 and 12 will be given to eligible policyholders on request, when the annual mileage of the vehicle falls into one of two categories. The discount will be based on the actual mileage driven in the previous policy year as determined by a comparison of two odometer readings, at least six months apart, from Registry of Motor Vehicle information or the Annual Mileage Discount Form and other standard automobile insurance forms available to the company. Refer to the Miscellaneous Rating Factors page by Tier for the applicable categories and discounts. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27, except that vehicles classified as Antiques are not eligible. The company may request that the applicant for the discount complete the Annual Mileage Discount Form for the verification of eligibility for the discount. 2. Verification The company may use the odometer readings provided by the applicant on the Annual Mileage Discount Form or other standard forms available to the company, in order to verify the mileage driven in the past year. The company shall compute the annualized difference between the odometer reading at the time of application and the previous odometer reading to determine eligibility. If a vehicle replaces a vehicle which is receiving the discount, the annual mileage of the prior vehicle will be attributed to the replacement vehicle. The company may use information from the Vehicle Inspection System of the Registry of Motor Vehicles to verify annual mileage. The difference in the two most recent odometer readings reported by the Registry, if at least six months apart, shall be annualized to determine eligibility for the discount. If the Registry reports 20

15 only one reading, which is more than six months before the application for the discount, the applicant may provide a current odometer reading on the Annual Mileage Discount Form, and the difference shall be annualized to determine eligibility. If two odometer readings, at least six months apart, are not available to the company through the Registry of Motor Vehicles, the Annual Mileage Discount Form or other standard forms, the vehicle is not eligible for the annual mileage discount. 3. Application of Discount The applicable discount applies to rates otherwise determined for each insured vehicle by; a. coverage, limits purchased, territory, driver class, and model year and symbol for model years 2010 and prior or, b. by coverage, limits purchased, territory, driver class, and model year and Vehicle Rating Group for model years 2011 and greater, prior to the application of the merit rating plan adjustment. E. Passive Restraint Discount- Not applicable in Tier V A 25% discount of the premium paid for Parts 2, 3, 6 and 12 will be given to eligible policyholders for qualifying vehicles which contain occupant safety features approved by the Commissioner of Insurance. These features are: an airbag installed for either the driver s seating position or both front outboard designated seating positions or an automatic seatbelt installed for either the driver s seating positions or both front outboard designated seating positions. F. Preferred Operator Discount-Not applicable to Tier V On a renewal policy, a 4% premium credit is applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. In order to be eligible for the credit the vehicle must be: Rated in classes Have Bodily Injury limits, Part 5, equal to or above $50,000 per person. The rated operator must have a merit rating code of 99 (Excellent Driver Discount Plus), 98 (Excellent Driver Discount) or 00 (Neutral). This discount applies to vehicles as defined under Rule 27. G. Account Credit-Not applicable to Tier V A 10% premium credit is applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. For the purposes of this discount, vehicle includes personal automobiles, miscellaneous vehicles, trailers and motorcycles. To be eligible for the premium credit, the Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay State) or MPIUA (FAIR Plan). This discount does not apply to Use of Other Auto coverage. H. Good Student Discount- Not applicable in Tier V A 5% Good Student Discount applies to all coverage parts when the rated operator is an inexperienced operator, driver classifications17,18,20,21,25, or 26, is a full time high school, college or university student and meets one of the following requirements: Is in the top 20% of his/her class or has been recognized on a Dean s list or honor roll. Has maintained at least a B average in a letter grading system or a 3.0 average in a 4 point system or any equivalent. If the operator is home schooled, evidence of scoring in the top 20% of standardized national exams or a third party certification indicating that the student has met the requirements stated above are acceptable. 21

16 The company must be presented certification signed by a school official that verifies the operator s academic achievements when the discount is requested and at subsequent renewals in order for the discount to be applied. This discount applies to vehicles as defined under Rule 27. I. Student Away From Home Discount- Not applicable in Tier V A 5% credit will be applied to all coverage parts when the rated operator meets the following criteria: The rated operator is an inexperienced operator, driver classes 17, 18, 20, 21, 25 or 26. The rated operator is student residing at an educational facility over one hundred road miles from the autos place of garaging, The rated operator does not have regular access to any covered vehicle shown on the coverage selection page. Policies with the Student Away From Home Discount will renew without the discount. In order for the discount to be applied, the Named Insured or rated operator must confirm that the rated operator continues to be eligible. The company may require written confirmation. This discount applies to vehicles as defined under Rule 27. J. Continuously Insured Discount A 10% discount will be applied to coverage parts 1, 2, 4 and 5 on a per vehicle basis when the rated operator has been continuously insured without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. For new policies, proof of continuous coverage may be required under certain circumstances when the company is unable to substantiate or verify 12 months of continuous insurance coverage. The discount will automatically be applied at renewal provided the policy was in effect for 12 continuous months. This discount applies to vehicles as defined under Rule 27. K. Good Driver Discount (This is the equivalent to Low Frequency Discount in the MAIP program.) A 10% discount will be applied to coverage parts 1,2, 4 and 5 on a per vehicle basis when the rated operator has no more than 4 merit rating points reported by the Merit Rating Board as provided by Rule 56, Merit rating Plan. This discount applies to vehicles as defined under Rule 27. L. Superior Client Discount- Not applicable in Tier V A 7% premium credit is applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. In order to be eligible for the credit the vehicle must be: Rated in classes Have Bodily Injury limits, Part 5, equal to or above $250,000 per person. The rated operator must have a merit rating code of 99 (excellent driver discount plus). This discount applies to vehicles as defined under Rule 27. M. Early Issue Client Discount- Not applicable in Tier V A 5% premium credit will be applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. In order to be eligible for the credit the policy must be: New business to Quincy Mutual Be entered for issuance into Quincy On-Line at least 5 days prior to the effective date or received at Quincy Mutual in paper format at least 5 days prior to the effective date All vehicle types except trailers This discount will be applied to new business for one year only. 22

17 N. One Pay Plan Discount A 5% premium credit will be applied against all coverage parts on a per vehicle basis when a One Payment Billing Plan is chosen, subject to the following: For new business policies, payment must be made in full upon the initial down payment. For renewal policies, payment must be made in full upon the first installment due date. The policy must not be paid by a finance company. This discount applies to all vehicle types on a policy. O. Qualified Book Transfer credit- Not applicable in Tier V A 4% premium credit will be applied against all coverage parts on a per vehicle basis for any qualified book transfer meeting the underwriting rules established by the company. The discount will be subject to the following criteria: The book transfer was prearranged and agreed upon by the company and agency. The discount will apply for one year only. This discount applies to all vehicle types on the policy. P. Household Member / Family Account Discount Progam- Not applicable in Tier V Quincy Mutual will the extend eligibility of: The Account Credit as shown in paragraph G.;and The Multi Car Discount as shown in paragraph A; to any automobile policy we insure for household members subject to the following criteria: The household member meets the definition in the MA Auto policy; and The household member is listed as a deferred operator on the original or primary insured s Quincy Mutual policy. In addition, the tier assignment from Rule A. will reflect the extended eligibility for the account credit and multi car discounts. All other aspects of the tier assignment will remain the same. Rule 20. MODEL YEAR RATING Model Year Defined The model year of an auto is used in rating physical damage coverage on an actual cash value basis. The model year of the auto is the year assigned by the auto manufacturer. The model year of rebuilt or structurally altered autos is determined by the model year of the chassis. 23

18 Material Misrepresentation 1.5 (1.2) 1.5 (1.2) Salvage Title Coverage not available NOTE: For the first instance of a material misrepresentation in the application for insurance, the lower indicated factor may be used, at the option of the company. Application of Factors A. Single Vehicle Policies Where more than one category applies to the same operator or vehicle, the highest applicable factor shall be used respectively for Collision and Comprehensive. For example, if a listed operator is convicted of vehicular homicide and also has a high-theft vehicle, the factor for both Collision and Comprehensive is 1.5. The factors do not compound. In cases where separate policies are issued by the same insurer to the common owner of two or more vehicles, the highest applicable factors for Collision and Comprehensive shall be assigned to the vehicle with the highest premium for Collision and Comprehensive respectively. For each subsequent vehicle, the next highest applicable factor shall be assigned to the next highest premium for Collision and Comprehensive respectively, etc. If one or more of the extra-risk categories of insurance fraud, auto theft or material misrepresentation apply to such common owner, the applicable factor shall be used for both Collision and Comprehensive for each insured vehicle. B. Multi-Vehicle Policies The highest applicable factors for Collision and Comprehensive shall be assigned to the vehicle with the highest premium for Collision and Comprehensive respectively. Each subsequent vehicle shall be assigned the next highest applicable factor and so forth. If one or more of the extra-risk categories of insurance fraud, auto theft or material misrepresentation apply to the insured owner, the applicable factor shall be used for both Collision and Comprehensive for each insured vehicle. RULE 25. VEHICLE SERIES RATING (Applicable to Model Years 2010 and Prior) Vehicle Series Rating (VSR) is a program applied by the Insurance Services Office (ISO) to adjust the Price New Symbols of vehicles to increase or decrease the symbol due to loss experience reflecting crash damage, ease of repair, cost of repair parts, and theft for the particular vehicle, resulting in the Rating Symbol. The Rating Symbol is used to determine a vehicle s premium for Collision, Limited Collision and Comprehensive coverage. The VSR program reviews the symbol assignments for all vehicle series up to five times: when the model year is introduced and in each of the subsequent annual VSR review years. The symbol for a particular series may be upsymbolled, downsymbolled, or may remain the same. Reassignment of symbols shall be effective with 2006 and subsequent model year vehicles and may only be applied at policy issuance or renewal. A policy shall not be changed mid-term solely due to a change in symbol assignment based on symbol review. RULE 26.1 TIER ASSIGNMENT This rule applies to all vehicle types. A. DeterminingThe Assigned Tier Tier assignment is determined at the policy s inception, at renewal and when a policy is endorsed. Tier assignments are on a policy level but determined by evaluating policy and operator characteristics. To determine the tier begin by identifying the risk characteristics for each policy and rated operator. Apply the characteristics to the tier definition shown below in consecutive order. If a policy or rated operator does not meet the requirement of a tier, continue onto the next tier until a tier has been determined. Tier I. Corresponding Account with Personal Umbrella Liability Endorsement. 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay State) and; 2. Have a Personal Umbrella Liability Endorsement attached to the Homeowners policy and; 3. Have 3 or fewer intent -to- cancel notices in each of the last three years. 27

19 Tier II. Corresponding Account 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay Sate) or MPIUA (Fair Plan) and; 2. Have 3 or fewer intent -to- cancel notices in each of the last three years. Tier III. Renewal Policies-(without a supporting homeowners and or personal umbrella.) Tier IV. 1. Any policy that has been insured with Quincy Mutual for more than one continuous year that does not have a supporting account or supporting account with an umbrella; and 2. Has three or fewer intent -to- cancel notices in each of the last three years. 1. New Business Policy With: a. Continuously Insured Rated Operator; or b. Multiple vehicles or the Multi-Car Discount has been applied; or 2. Renewal Policy with four or more intent -to- cancel notices in any one of the previous three years. A rated operator has been continuously insured if they have been without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. Tier V. Basic Tier- New Business Policy- All Other *This tier includes any rated operator not otherwise eligible for Tiers I through IV. The basic tier will be made up of new policies that are not supported by a homeowner policy and are single car policies where the rated operator is not continuously insured. B. Tier Rating Factor Apply the appropriate tier factor below to the base premiums as shown on the appropriate rating worksheet from pages RW 1-6 and in accordance with Rule. 11. Premium Determination. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. Tier I Tier II Tier III Tier IV Tier V See Tier V rate pages. RULE 26.2 RISK UNDERWRITING FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. A Risk Underwriting Factor will be applied to each vehicle based upon an evaluation of policy and operator risk characteristics. The Risk Underwriting Factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. The Risk Underwriting Factor is determined at policy inception and will be updated upon renewal and when a policy is endorsed. The Risk Underwriting Factor will be determined based upon the following six criteria: 28

20 Tier II. Corresponding Account 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay Sate) or MPIUA (Fair Plan) and; 2. Have 3 or fewer intent -to- cancel notices in each of the last three years. Tier III. Renewal Policies-(without a supporting homeowners and or personal umbrella.) Tier IV. 1. Any policy that has been insured with Quincy Mutual for more than one continuous year that does not have a supporting account or supporting account with an umbrella; and 2. Has three or fewer intent -to- cancel notices in each of the last three years. 1. New Business Policy With: a. Continuously Insured Rated Operator; or b. Multiple vehicles or the Multi-Car Discount has been applied; or 2. Renewal Policy with four or more intent -to- cancel notices in any one of the previous three years. A rated operator has been continuously insured if they have been without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. Tier V. Basic Tier- New Business Policy- All Other *This tier includes any rated operator not otherwise eligible for Tiers I through IV. The basic tier will be made up of new policies that are not supported by a homeowner policy and are single car policies where the rated operator is not continuously insured. B. Tier Rating Factor Apply the appropriate tier factor below to the base premiums as shown on the appropriate rating worksheet from pages RW 1-6 and in accordance with Rule. 11. Premium Determination. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. Tier I Tier II Tier III Tier IV Tier V See Tier V rate pages. RULE 26.2 RISK UNDERWRITING FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. A Risk Underwriting Factor will be applied to each vehicle based upon an evaluation of policy and operator risk characteristics. The Risk Underwriting Factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. The Risk Underwriting Factor is determined at policy inception and will be updated upon renewal and when a policy is endorsed. The Risk Underwriting Factor will be determined based upon the following six criteria: 28

21 Minimum years licensed of all operators listed on the policy(including deferred and excluded) Years licensed of the assigned operator Count of number of operators listed on the policy (including deferred and excluded) Policy status new or renewal Presence of a deferred operator on the policy Minimum infraction count of at fault accidents and traffic violations for all operators listed on the policy. The experience period for infractions is the six years immediately preceding the effective date of the policy. To determine your Risk Underwriting Factor, find the description above one of the following three tables that meets the policy characteristics. The years of driver experience is based upon a listed operators date first licensed. The number of years licensed will be determined by the number of full years the operator has held a valid driver s license as of the effective date of the policy. If the minimum years of driving experience for ALL operators listed on a policy is 12 to 45 years, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience 1.00 Assigned operators with 20 + years of experience and 1.00 only one operator listed Assigned operators with 20 + years of experience and or more operators listed and no infractions for any listed operator Assigned operators with 20 + years of experience and or more operators listed with 1 or more infractions for any operator listed If the minimum years of driving experience for ALL operators listed on a policy is 46 or greater, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with 1.08 > 55 years of experience Renewal Business with Assigned Drivers with 1.08 > 55 years of experience and only one operator listed on the policy Renewal Business with Assigned operators with > years of experience and no deferred operators and 2 or more listed operators on the policy Renewal Business with Assigned operators with > years of experience and having a deferred operator If the minimum years of driving experience for ANY operator listed on a policy is <12, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with <20 or > years of experience Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and only one operator listed on the policy Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and 2 or more operators listed on the policy Renewal Business with Assigned operators with <20 or 1.00 > 55 years of experience and having a deferred operator and 2 or more operators listed on the policy. 29

22 SECTION II - PRIVATE PASSENGER AUTOMOBILES RULE 27. PRIVATE PASSENGER DEFINITION A. A motor vehicle of the private passenger or station wagon type that is owned or leased under contract for a continuous period of at least twelve months by one or more individuals, excluding (1) partnerships, (2) corporations, (3) unincorporated business associations, and (4) other legal business entities with a federal employer identification number, and is not used as a public or livery conveyance nor rented to others. A vehicle which meets the conditions of Rule 31, regarding the transportation of fellow employees, students or others for consideration, is included in this definition, provided such vehicle is not registered for carrying passengers for hire. B. A motor vehicle that is a pick-up or van, that is owned or leased under contract for a continuous period of at least 12 months by one or more individuals, excluding (1) partnerships, (2) corporations, (3) unincorporated business associations, and (4) other legal business entities with a federal employer identification number, and 1. has a gross vehicle weight rating of less than 10,000 pounds or has a rating symbol assigned to it (for model years 2010 and prior) by the Insurance Services Office (ISO) or a Vehicle Rating Group (for model years 2011 and greater)by the Automobile Insurers Bureau (AIB), and 2. is not used for the delivery or transportation of goods or materials unless such use is incidental to the insured s business of installing, maintaining or repairing furnishings or equipment. C. Gross Vehicle Weight Rating means the value specified by the manufacturer as the loaded weight of a single vehicle. D. At the option of the company, an eligible vehicle under this rule whose title has been transferred to a trust may be written under the Massachusetts Automobile Insurance Policy, subject to the following requirements: the grantor of the trust must be an individual or lawfully married individuals residing in the same household, and must be the only insured(s) named in Item 1 of the Coverage Selections Page. All vehicle(s) insured under the policy must be owned by the trust. A vehicle owned by a trust in which the grantor is a partnership or corporation must be written under a commercial auto policy. If a motor vehicle is leased as described in the foregoing paragraphs, and the lessee is obtaining the insurance, the policy must be issued to the lessee as named insured and Endorsement M-0070-S, Coverage For Anyone Renting An Auto To You, must be attached to the policy. RULE 28. PRIVATE PASSENGER CLASSIFICATIONS A. Operator Classes *10 Experienced Operator- (Tier V only)- The operator has been licensed at least 6 yrs and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. *11 Experienced Operator-The Operator has been licensed at least 6 yrs but less than 10 and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class 10 in Tier V. *12 Experienced Operator-The Operator has been licensed at least 10 years but less than 15 and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class10 in Tier V. *13 Experienced Operator-The Operator has been licensed at least 15 years but less than 20 and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class 10 in Tier V. *14 Experienced Operator-The Operator has been licensed at least 20 years and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class 10 in Tier V. 32

23 *15 Experienced Operator - age sixty-five or more. The operator has been licensed at least six years and is sixty-five years of age or more and the automobile is not used in the occupation, profession or business of the insured. *17 Inexperienced Principal Operator - licensed three or more years. The operator of the automobile has been licensed at least three years and less than six years and is the principal operator of the automobile. *18 Inexperienced Occasional Operator - licensed three or more years. The operator has been licensed at least three years and less than six years and is not the principal operator of the automobile. *20 Inexperienced Principal Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. *21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. *25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. *26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. *30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. * For the purposes of determining driver classification, driving experience is initially determined by the number of full years that the operator has held a valid driver s license either at the time the policy is issued, or at the time a driver is initially endorsed onto a policy. Driving experience is updated, and driver classification changed, upon achieving the anniversary of the date first licensed. In the event that an operator s driving privileges have ever been suspended or revoked due to driving related offenses, for a period of three or more years, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating adjustment) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (In Tiers I-IV the automobile s Class 14 premium, in Tier V the Class 10 premium, for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; 33

24 ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 15 and that operator s merit rating adjustment shall be applied. However, if more than one listed operator is age 65 or over, Class 15 and the merit rating adjustments of the Class 15 operators shall be applied in the manner which produces the highest Combined Premium. iii If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). In order to qualify for deferral status, we will verify inforce coverage of another Massachusetts Private Passenger Automobile policy through the Registry of Motor Vehicles records. If unable to verify through the Registry, we will accept an inforce copy of coverage from the agent or producer. iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. c. An inexperienced operator in active military service with the Armed Forces of the United States of America shall not be considered an operator of the automobile unless such individual customarily operates the automobile. d. Private passenger automobiles owned by clergy are to be classified as Class 11,12,13,14 or 15 in Tiers I-IV or Class 10 in Tier V, unless (a) Class 30 is required due to business use other than in connection with church use or (b) an inexperienced operator is listed on the policy. 2. Excluded Operator If an operator who is a member of the household is to be excluded in rating a particular automobile to produce a lower premium charge, the policyholder must submit a signed statement that such operator does not and will not operate the automobile to be insured. The signed statement must be on the Operator Exclusion Form, M-0106-S. If any operator excluded as a result of such signed statement operates the automobile, the appropriate operator classification premium for the full policy period may be charged unless a collision or limited collision claim has been denied in accordance with the provisions of the policy because the excluded operator was driving the automobile at the time of the accident. 3. Driving Experience An operator new to Massachusetts must provide evidence of licensure from the state or country where the operator was previously licensed in order to assign the correct operator classification under this rule. If electronically available, the company will be responsible for obtaining the motor vehicle operator report from the other state or country. If necessary, a certified English translation may be required. No operator shall be assigned to Class 11,12,13, or 14 in Tiers I-IV or Class 10 in Tier V, unless the operator has six or more years of driving experience. The classification assigned to the operator is based on the number of years licensed in the other state or country and the completion of driver training, as established by the evidence of licensure. If no evidence of prior licensure is available, the operator may be assigned to Class 20 (inexperienced principal operator, 34

25 licensed less than three years, no driver training) or Class 21 (inexperienced occasional operator, licensed less than three years, no driver training). The Massachusetts driving experience will be used thereafter to assign the operator classification. 4. Operator Use Operators will be classified by the amount of use of an insured automobile: Principal Operator a person who has an operator s license and operates the insured automobile more than any other listed operator as determined by the percentage of use of the automobile. Occasional Operator a person who has an operator s license and operates the insured automobile less than the principal operator. C. Classification Changes Classification of each automobile shall be determined by the facts existing as of the effective date of the policy. Premium adjustments shall be made on a pro rata basis if changes occur during the policy period. D. Satisfactory Driver Training Program 1. Completion and receipt of a certificate under the Massachusetts Driver Education Program prescribed by the Registrar of Motor Vehicles, or 2. The presenting of satisfactory evidence (certificate signed by school officials) that such operators have successfully completed a driver education course in a state other than Massachusetts meeting the following standards: a. The course had the official approval of the State Department of Education or other responsible state agency, and was conducted by: (1) a recognized secondary school, college or university, or (2) other school approved and supervised by the State Department of Education or other responsible state agency. b. The course was conducted by instructors certified by the State Department of Education or other responsible state agency. c. The course was composed of a minimum of thirty clock hours for classroom instruction, plus a minimum of twelve clock hours per student in the practice driving phase. RULE 29. RESERVED FOR FUTURE USE RULE 30. PERSONAL INJURY PROTECTION - DEDUCTIBLE FORM The policyholder, at his or her option, may elect an amount to be deducted from the amounts otherwise due each person subject to the deduction, under the following conditions: 1. The option of electing a deductible shall be limited to individual insureds and shall apply only to private passenger vehicles as defined in this Section and motor homes owned by such insureds. 2. The eligible policyholder may select a deductible amount of $100, $250, $500, $1,000, $2,000, $4,000 or $8,

26 SECTION IV - NON-OWNED AUTOMOBILES RULE 49. NAMED NON-OWNER POLICY Not Available. RULE 50. USE OF OTHER AUTOMOBILES A policy may be extended to provide coverage for an individual who owns an auto but also drives borrowed or rented autos. The policy may also be extended to provide coverage for household members. Endorsement M-0051-S, Use of Other Automobiles-Vehicles Furnished or Available For Regular Use may be used to cover vehicles furnished or available for regular use except vehicles furnished for use as public or livery conveyances. The Merit Rating Plan does not apply to vehicles described in this rule. The following rates apply by Tier for Damage To Someone Else s Property (Part 4), Optional Bodily Injury To Others (Part 5), and Medical Payments (Part 6): Vehicles Furnished or Available For Regular Use Except Public or Livery Conveyances A. No Primary Insurance Charge 90% of the applicable Private Passenger final premium determined in accordance with Rule 11. for an individual and 100% for individual and household members. B. Primary Insurance Charge 12% of the applicable Private Passenger final premium determined in accordance with Rule 11. for an individual and 13% for individual and household members. C. If the Named Individual is in the business of selling, servicing, repairing or parking autos and there is no insurance afforded on a primary basis, the applicable exclusion may be eliminated and the rate to be changed shall be 100% of the applicable private passenger rate. RULES RESERVED FOR FUTURE USE 45

27 SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS 1. Purpose and Scope This rule governs the reduction in premium charges for private passenger motor vehicles and certain commercial vehicles equipped with anti-theft devices and vehicle recovery systems. 2. Eligibility This rule is applicable to Private Passenger Automobiles as defined in Private Passenger Definition (Rule 27) in this Manual. 3. Coverages The discount is applicable to the Comprehensive coverage or other combination of specified perils which afford Theft coverage. 4. Discounts Applicable The following discounts are to be applied: 5. Definitions Vehicles Qualifying for Discount Category I 5% Category II 15% Category III 20% Category IV 20% Category IV, plus Category I 25% Category IV, plus Category II 30% Category IV, plus Category III 35% Category V 25% Category V, plus Category I 28% Category V, plus Category II 32% Category V, plus Category III 36% As used in this regulation, the following words shall mean: Passive device or system describes an anti-theft device or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren or other sounding device which is audible at 300 feet. Tubular describes a type of lock whose key is cylindrically shaped and which has at least 50,000 combinations. Electronic lock or keyless device is an electronic coding device that has more than 10,000 combinations. The combination used to unlock the device can be entered through a keyboard or similar data entry device or by means of a remote control device. 6. General Stickers identifying the particular anti-theft system installed may not be attached to the car unless specifically permitted in these rules. If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting standards for the highest discount. If one of the qualifying devices is a Category IV device, the applicable discount shall be calculated as stated in Item 4.Discounts Applicable. Insurers may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. 46

28 Categories Defined Category I Devices qualifying in this category receive 5% discounts. (a) Ignition or Starter Cut-Off Switch in Combination with Flush or Tapered Door Lock Buttons This device is an ignition cut-off switch (sometimes called a kill switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped upon leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may identify the presence of this system. (b) Ignition or Starter Cut-Off Switches Such ignition or starter cut-of switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. (c) Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in an auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by use of a key inserted in a lock mounted on the outside of the auto. (d) Internally-Operated Alarm Not Meeting Category II or Category III Criteria This is an alarm system which is activated from within the vehicle but which does not meet all the criteria found in Section (5.3) (a) or Section (5.4)(a); alarm must be triggered by entry of doors, hood or trunk. (e) Steering Column Armored Collar This is a device similar to an oversized padlock which clamps on the steering column over the ignition lock and prevents access to it. This device, upon being locked, prevents the vehicle from being started, or if the auto is hot-wired and started, the device prevents it from being steered. No part of the device, when not in operation, is attached to the steering column. A sticker may identify the presence of this device. (f) Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Reattachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. Category II Devices qualifying in this category receive 15% discounts. (a) Internally-Operated Alarm Systems Not Meeting Category III Criteria This is an alarm system which is activated from within the auto but which does not meet all the criteria in Section (5.4)(a). The ignition must be automatically cut off, or the starter must be disconnected automatically. The alarm must be triggered by entry of doors, hood or trunk. 47

29 (b) Non-Passive Fuel Cut-Off Device This is a shut-off device which operates to block the fuel line when a switch is tripped or when the device is engaged by a key. The switch to open or shut off the fuel line must be well hidden from view. (c) Non-Passive Steering Wheel Lock This device prevents the steering wheel from turning. A steel collar and barrel, into which the shackle of a lock fits, are permanently attached to the steering post. The shackle, made of case-hardened alloy steel, fits over the steering wheel spoke and into the barrel. A tubular key operates the lock. The collar, barrel and shackle must resist cutting with a file. A sticker may identify the presence of this system. (d) Armored Cable Hood Lock and Ignition Cut-Off Switch This system is one which meets all the criteria of Section (5.4)(f)(1) except paragraph (a). Armor must be similar to that used in outdoor telephone booths; it must extend through firewall and be secured so as to prevent retraction. (e) Window Identification System A window identification is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all the windows of the vehicle other than the small vent window. Provision must be made for immediate telephone identification of the owner of the vehicle any time of day or night. A sticker may identify the presence of this identification system. (f) Emergency Handbrake Lock This device prevents the release of the emergency handbrake. The lock replaces the handbrake grip, and is permanently attached to the handbrake lever. The lock encasement must be all metal construction. The lock is released by entering a preset digital combination. A sticker may identify the presence of this device. (g) Car Transmission Lock The device prevents the vehicle from moving from a parked position by locking the gear shift. A steel encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gear shift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. A sticker may identify this system. Category III Devices qualifying in this category receive 20% discounts. (a) Passive Alarm System - This is an alarm system meeting the following criteria: (1) Ignition must be cut off automatically, or starter must be disabled automatically. (2) Alarm must be triggered by entry of doors, hood or trunk. (3) Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. (4) Alarm must sound for no more than eight minutes, and upon ceasing to sound, must reset itself. (5) Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. (6) Alarm must be installed in the engine compartment so as to be inaccessible without opening the hood. 48

30 (7) The system must be engaged passively by turning the ignition key to the off position. To disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is twenty seconds. (b) Passive Fuel Cut-Off Device This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the car is started. This device must meet the following criteria: (1) The fuel line must be blocked when the power is off. (2) The switch to open the fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. (3) A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. (4) Any under-the-dash wiring installed in connection with this device must blend in color with factoryinstalled wiring. (c) Armored Ignition Cut-Off Switch This device is a kill switch designed to resist tampering. To prevent hot-wiring of the auto, a protective cap is attached to the coil or starter solenoid. Such devices must meet the following criteria: (1) Armored cable must run from a separate key to the coil, starter solenoid, or other engine component. Such cable must be similar to that used in outdoor telephone booths, collapse when cut, and preclude quick reconnection of the cut wire inside; alternatively, some other effective means of preventing defeat of the system by cutting the armored cable must be employed. (2) The device must prevent hot-wiring of the car. (3) A separate lock must be of tubular type and must be installed inside the auto so as to facilitate use by the driver; alternatively, an electronic keyless device may be used in lieu of a lock if it does not take significantly longer to engage the device than it takes to remove a key from a lock, and use of the system is otherwise facilitated. (d) Passive Multi-Component Cut-Off Switch This device is a kill switch activated when the ignition key is turned to the off position. It is designed to prevent hot-wiring of the auto. Such device must meet the following criteria: (1) The primary wire to the ignition coil must be disconnected. (2) The device must disconnect the starter. (3) One or more wires to the electronic ignition system, or to the points and condenser must be disconnected and grounded to the chassis. (4) The wiring must blend with factory-installed wiring, and the disconnecting/grounding wires must be routed to random points in the electrical system away from the components they affect. (5) The control module, if separate from the electronic locking mechanism, must be hidden in the engine compartment or other part of the car so that it is not easily detectable. (6) In order to start the car, a lock or electronic device must be used to deactivate the system. The lock must be of tubular type and must be installed inside the auto so as to facilitate use by the driver; alternatively, an electronic keyless device may be used in lieu of a lock if it does not take significantly longer 49

31 to engage the device than it takes to remove a key from a lock, and use of the system is otherwise facilitated. (e) Passive Time Delay Ignition System This is a device which allows the car to start only if the operator waits a prescribed time, which must vary from device to device in a range of three to twenty seconds, before moving the ignition key from On to Start. If the auto does not start, the operator must be required to wait at least ninety seconds before the device can be operated successfully on a subsequent try. The device must be resistant to tampering; for example, if it is forcibly removed, reconnection of the electrical system must not be possible with a hot-wire device. Alternatively, the device must be installed with a hood lock operated by a tubular key. (f) Armored Cable or Electrically Operated Hood Lock and Ignition Cut-Off Switch This is a supplemental hood lock operated from within the auto which also cuts off the ignition when engaged. Such devices must meet the following criteria: (1) Armored Cable Hood Lock (a) The hood lock cable must be armored by case hardened solid steel tubing designed to resist cutting; tubing must extend through firewall and be secured so as to prevent retraction. Otherwise, an alarm meeting the criteria of Section (5.3)(a) must be installed. (b) The system must be engaged by a push button or other device which facilitates use. The push button or other device must be installed within reach of driver when seated. (c) No portion of the hood lock cable may be accessible so that it could be grasped from underneath the car; and, if accessible through the grillwork, armor must extend to the locking mechanism. (2) Electrically Operated Hood Lock (a) The hood lock is electrically operated and functions so that it remains locked even if the wiring operating the hood lock is cut. (b) The system must be engaged passively by turning the ignition key to the off position. To disarm the system a separate key or electronic keyless device must be used. (c) If the hood lock can be reached through the grillwork or from underneath the car, the hood lock must be shielded or armored so that it cannot be manually operated. The locks controlling the devices must be of tubular type or operate electronically. (g) Passive, Delayed Ignition Cut-Off System This electronic system disables the ignition circuit at a preset engine speed such that the engine cannot be restarted or hot-wired. Such device must meet these criteria: (1) The ignition must cut off automatically as soon as the engine reaches a speed in the range of 1,500 to 2,000 RPM. (2) The system must be automatically armed when the ignition key is turned to the off position. (3) A push button or other type of disarm switch must be well hidden from view. The wiring must blend with factory-installed wiring if placed under the dash. In the alternative, a tubular key or an electronic keyless device may be used. (4) An alarm or horn shall be actuated at the same time the ignition is disabled. (5) If a parking/service attendant switch is provided, a buzzer must sound all the time the engine is running. The switch must be hidden in a remote place. 50

32 (h) Passive Ignition Lock Protective system This is a case hardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. The ignition key fits through a slot in the cap. A sticker may identify the presence of this system. (i) High Security Ignition Replacement Lock This is a high security, case hardened steering column ignition lock, conforming to NHTSA Standard No. 1141, which cannot be removed using a conventional slide hammer or lock puller equipment. A sticker may identify the presence of this system. (j) Hydraulic Brake Lock This is a dash-mounted device which, when activated and pressurized with the brake pedal, maintains hydraulic pressure on the brakes at two or more of a vehicle s wheels so that the vehicle cannot be driven. The device must have a high security locking system with at least 50,000 combinations and a lock which cannot be pulled using a conventional slide hammer or lock puller equipment. (k) Chip Key This device allows only the correct ignition key(s) to start the engine. The system prevents the motor vehicle from being started unless the key to the ignition enables the correct signal. The three types of systems that qualify are: (i) Transponder Immobile system: system must detect the proper transponder value from the chip in the key in order to start the engine. (ii) VATS/PASS-Key system: system must detect the proper resistance value in the key in order to start the engine. (iii) Passlock system: system must detect the proper R-code within the ignition lock or ignition switch to start the engine; this system does not have a chip in the key; the key turns the passlock cylinder which provides the R-code. Category IV Devices qualifying in this category receive 20% discounts. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entities regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Category V Devices qualifying in this category receive 25% discounts. Vehicle Recovery System with Unauthorized Movement Notification This is an electronic unit installed in a vehicle that is activated after that vehicle is moved without authorization. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Additionally, the device must provide personalized notification to the owner of a vehicle (or his or her authorized user) in the event of a potentially unauthorized movement of the owner s vehicle. Personalized notification shall mean notification delivered directly to the owner or his or her authorized user via automated communication, which is available beyond the proximity of the vehicle itself, to one or more devices designated in advance by the owner or his or her authorized user, such as to the owner s home telephone, mobile phone, electronic mail service, or wireless text messaging service. If maintaining the system in 51

33 effect requires the payment of a service fee, insureds must provide the insurer reasonable confirmation of the coverage. RULE 55. PRE-INSURANCE INSPECTION PROGRAM General Laws Chapter 90, section 113S, and the implementing regulations, 211 CMR 94.00, require the preinsurance inspection of private passenger motor vehicles. The following is a summary of the requirements of the regulation. These requirements will be applied uniformly to all insureds. A. Eligibility Unless specifically exempted or waived, all private passenger motor vehicles and pick-ups or vans having a gross vehicle weight up to 10,000 pounds are required to be inspected by an insurer prior to the issuance of physical damage coverages by the insurer. The Notice of Mandatory Pre-Inspection Requirement form will be provided by the producer of record at the time of request for physical damage coverage. B. Exemptions to Inspection Requirement An inspection shall not be required if: 1. The motor vehicle is a new, unused motor vehicle from a franchised automobile dealership where the insurer is provided with either: a copy of the bill of sale which contains a full description of the motor vehicle, including all options and accessories; or a copy of the RMV Form 1 provided by the Registry of Motor Vehicles, which establishes the transfer of ownership from the dealer to the customer and a copy of the window sticker or the dealer invoice showing the itemized options and equipment in addition to the total retail price of the vehicle. 2. The applicant has been insured for three years or longer, without interruption, under a motor vehicle liability policy or policies which include(s) physical damage coverage, issued by the insurer to which the application is submitted; or any applicant involuntarily transferred to another insurer due to the applicant s original insurer s withdrawal from the Commonwealth if the applicant otherwise qualifies under this regulation. 3. An inspection is waived by the insurer. 4. Any private passenger motor vehicle not owned by the applicant, which is used by the applicant, with the permission of the owner, as a temporary substitute due to breakdown, repair, servicing, loss or destruction of the applicant s own motor vehicle. 5. A motor vehicle which is leased less than six months, provided the insurer receives the lease or rental agreement containing a description of the leased motor vehicle, including its condition. 6. When requiring an inspection would cause a serious hardship to the insurer or the applicant and such hardship is documented in the applicant s policy record. 7. When the insurer has no inspection facility or authorized representative either in the city or town in which the motor vehicle is principally garaged or within five miles of said city or town. C. Waiver of Inspection An inspection may be waived if: 1. The motor vehicle is ten or more model years older for all policies issued or renewed during the current calendar year. Example: For policies issued or renewed during calendar year 2005, inspection of all 1995 and older model year vehicles may be waived. 2. A non-owned vehicle is insured under a policy providing physical damage coverage issued by an insurer which has inspected such motor vehicle in accordance with the provisions of this regulation. 3. A producer is transferring a book of business from one insurer to one or more insurers. 52

34 TITLE MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX FORM NO. Agreed Amount Coverage Comprehensive MPY-0034-S Antique Auto M-0047-S Commonwealth of Massachusetts Employees Using Autos They Do Not Own in the Course of Their Employment M-0069-S Coverage for Anyone Renting an Auto to You M-0070-S Coverage for Customized Vans and Pick-ups MPY-0037-S Excess Electronic Equipment Coverage MPY-0041-S Federal Employees Using Autos They Do Not Own in the Course of Their Employment M-0049-S $100 Glass Deductible MPY-0039-S Guest Occupants Exclusion M-0002-S MA Mandatory Endorsement Mobile Home Endorsement QM-M-0099-S MPY-0002-S Non-Renewal of Policy - Motorcycles, Recreational Vehicles and Trailers M-0103-S Operator Exclusion Form M-0106-S Original Equipment Manufacturer Parts Coverage MPY-0040-S Quincy Mutual Merit Rating Points/Accident forgiveness Quincy Mutual Amendatory Endorsement QMAF QMAE Quincy Mutual Auto Loan/Lease Coverage QMAL Quincy Mutual Enhancement Endorsement QMEE Replacement Cost Coverage For New Vehicles QMRC MA Restriction of PIP for Employers Subject to the Massachusetts Workers' Compensation Act M-0063-S Stated Amount Coverage MPY-0027-S Substitute Transportation Coverage - $45 Per Day, Maximum Limit $1,350 M-0105-S Suspension of Coverage and Reduction of Limits MPY-0032-S Transportation of Fellow Employees, Students or Others M-0004-S Trust Endorsement M-0107-S Use of Other Auto Vehicles Furnished or Available for Regular Use Use of Other Auto Vehicles Furnished or Available for Use As Public or Livery Conveyances M-0051-S M-0052-S Waiver of Deductible MPY-0016-S B-1

35 PRIVATE PASSENGER FORMS Title Massachusetts Automobile Insurance policy Quincy Mutual Application for Massachusetts Motor Vehicle Insurance Quincy Mutual Coverage Selections Page Quincy Mutual Massachusetts Renewal Form Quincy Mutual Annual Mileage Discount Form Quincy Mutual Motor Vehicle Quoting Form Quincy Mutual Notice of Mandatory Pre-Insurance Inspection Requirement Form B Quincy Mutual Notice of Suspension Form C Quincy Mutual Notice of Mandatory Pre-Insurance Inspection Requirement Form D Quincy Mutual Reason for Exempt/Waiver of Pre-Insurance Inspection Quincy Mutual Merit Rating Plan Statement Edition 04/2008 Ed. 04/2012 Ed. 10/2013 Ed. 10/2013 Ed. 04/2008 Ed. 04/2009 Ed. 04/2008 Ed. 04/2008 Ed. 04/2008 Ed. 04/2008 Ed. 04/2009 Ed. Application for Benefits Personal Injury Protection Massachusetts Motor Vehicle Liability Bond Statutory Notice of Cancellation of the Massachusetts Motor Vehicle Liability Policy Legal Notice of Non-Renewal of Your Massachusetts Automobile Insurance Policy Notice of Transfer of Insurer B-2

36 Qualifying Massachusetts Transit Systems The following transit systems have been approved by the Commissioner of Insurance for inclusion in the Public Transit Discount (Rule 19). Approved As Of American Eagle Motor Coach, Inc. February 1, 1981 (formerly Medeiros Bus Co., Inc.) Andre Coachlines, Inc. January 1, 1984 Arrow Line, Inc., The January 1, 1980 Bay State Spray & Provincetown February 1, 1981 Berkshire Regional Transit Authority January 1, 1982 Bloom s Bus Line December 1, 1980 Bonanza Bus Lines, Inc. September 1, 1983 Brockton Area Transit Authority January 1, 1979 Brush Hill Transportation Co. October 15, 1992 Burlington Transportation Bus October 15, 1992 (The People Mover/The B Line) Cape Cod Regional Transit Authority May 18, 1992 Carey s Bus Lines, Inc. November 1, 1986 Coach Company, The (Kinson Bus Lines) January 1, 1985 Connecticut Transit Authority (CTTRANSIT) September 7, 1993 Dee Bus Service January 1, 1982 Drummond, H.T., Inc. January 1, 1985 Edmar Limousine Service, The May 21, 1998 Gray Line Framingham Commuter Corp. January 1, 1980 Greater Attleboro - Taunton Regional Transit Authority January 1, 1982 Greenfield Montague Transit Authority January 1, 1979 Hingham/Boston Commuter Boat Service January 1, 1979 Interstate Coach January 1, 1980 Kinson Bus Lines (The Coach Company) January 1, 1985 Lexpress January 1, 1982 Logan Express January 29, 1996 Lowell Regional Transit Authority January 1, 1980 Massachusetts Bay Transit Authority (includes The Ride) January 1, 1979 Mass Rides February 1, 2004 Merrimack Valley Regional Transit Authority May 1, 1983 Montachusett Regional Transit Authority January 1, 1980 Peter Pan Bus Lines, Inc. August 15, 1988 (formerly Priority Express) Pioneer Valley Transit Authority January 1, 1979 Plymouth & Brockton Street Railway Co. January 1, 1980 Rabbit Transit, Inc. January 1, 1982 Trombly Motor Coach Service, Inc. January 1, 1980 Vocell Co., Inc. January 1, 1980 Worcester Gray Line, Inc. January 1, 1980 Worcester Regional Transit Authority January 1, 1980 Yankee Line, Inc., A March 13, 1991 B-3

37 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Miscellaneous Motor Vehicles Tiers I-IV Rule Liability Physical Damage Rule 32. Non-Symbolled Pick-Up/Van Manual Rates- In accordance with Rule 11. Part7- Charge 60%* of the Base premium (model years 2010 and prior) for all coverage parts calculated in accordance with Rule 11. or Pick-up/Van not assigned Part 8- Manual Rate- in accordance with Rule 11. to Vehicle Rating Group Part 9- Charge 90% of the base premium calculated in (model years 2011 and greater) accordance with Rule 11. Parts 10 and 11- Charge rates in accordance with Rule 11. Rule 34. Rule 11. Premium calculation provisions do not apply. Trailers No charge For 2010 and prior models, Parts 7,8,and 9, charge 50% of the Territory 1, Class 14 base premium X the latest model yr/ symbol factor shown on the rate pages. Symbol is based on cost new. See Rule 22. For 2011 and greater models, Parts 7,8,and 9, charge 50% of Territory 1, Class 14 base premium X the latest model yr/vrg factor shown on the rate pages. VRG is based on Base list price. See Rule 21. Merit Rating Plan does not apply. The account credit, One Pay Plan and Book Transfer discounts are offered, if eligible. Rule 39. Motor Homes Manual rates in accordance with Rule 11. Parts 7 and 8 charge 50% of the Base Premium for all coverage parts. The account credit and Advanced calculated in accordance with Rule 11. Driver Training are the only discounts offered, if eligible. Part 9- Manual rate in accordance with Rule 11. (Rules 19. I. and G.) Parts 10 and 11- charge the rates in accordance with Rule 11. The account credit, early issue, one pay and book transfer discounts are offered, if eligible. Rule 40. Antique Motor Cars Rule 11. Premium Calculation provisions Rule 11. Premium Calculation provisions do not apply. do not apply. For Parts 1,2,4 &5 charge 25% For Parts 7,8 and 9 charge 50% of the latest model of the Class 14 base premium for the applicable year shown in the rate pages for Territory 1, Class 14 Rating Territory and coverage limit. symbol based on appraised value (for model years Parts 3,6,and 12-charge the rate shown in the 2010 and prior) or Territory 1, Class 14 VRG based on manual for the applicable Rating Territory and appraised value (for model years 2011 and greater). coverage linit. The Merit Rating Plan does not Merit Rating Plan does not apply. All credits except apply. All credits except, Multi Car (19.A.),Annual Multi Car,(19.A.) Annual Mileage discount (Rule 19. D), Mileage (Rule 19.D.) The preferred operator the Preferred operator discount (Rule 19. F) discount (Rule 19.F.), Good Student(Rule 19.H.), Good Student(Rule 19.H.), Student Away (Rule 16.I.) Student Away(Rule 19.I.), Continuously Insured Continuously Insured Rule 19. J.) and Good Driver (Rule 19.J.), and Good Driver (Rule 19.K.) will apply. (Rule 19.K.) will apply. Parts 10 and 11-charge rates in accordance with Rule 11. MV-I-IV-1

38 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Miscellaneous Motor Vehicles Tiers I-IV Rule Liability Physical Damage Rule 43. Low Speed Vehicles Parts 1,4, and 5 Charge 50% of the Class 14 base Part7 and 8- Charge 75% of the Class 14 base premium. premium. Part 9- Charge 50% of the Class 14 base premium. Parts 2,3,6 and 12- Charge 100% of the Class 14 base premium. The annual mileage, multi-car, account, continuously The annual mileage, multi-car, account, early issue, insured, good driver and the class 15 discounts as and the class 15 discounts as described in Rule 19. apply. described in Rule 19. apply. 20% anti theft if eligible as decscribed in Rule 43. Rule 44. Motorcyles, etc. See Motorcyle rate pages for complete rating See Motorcyle rate pages for complete rating instructions instructions Golfmobiles and Lawnmowers(motorized) Not available Not available Snowmobiles Not available Not available * Reduction no applicable to Waiver of Deductible premium. MV-I-IV-2

39 Miscellaneous Rate Pages- Tier V Approved Motorcycle Training Sites Rider Education Recognition Program (RERP) Number Bristol Community College, Fall River (61347) Central Mass Safety Council, West Boylston (60055) Hanscomb AFB, Bedford (61141) Motorcycle Safe Riding Project, Beverly (60050) (Formerly listed as Cycles 128) Northern Essex Community College, Haverhill (61348) Otis ANGB, Cape Cod (60758) Riverside Kawasaki, Hanscomb AFB in Bedford (61350) Safety Council of Western Mass, Dalton (61277) South Weymouth NAS, South Weymouth (60690) Westfield State College, Westfield (61349) Those who participate in motorcycle rider education courses in any other location are also eligible for the 10% reduction, given the course is approved by the Motorcycle Safety Foundation. If courses are taken out of state, they must be Motorcycle Safety Foundation certified and adhere to Governor s Highway Safety Bureau rules and regulations on file at the Secretary of State s office. Page MR-V-75

40 Miscellaneous Rate Pages- Tier V Miscellaneous Rating Factors DEDUCTIBLES (RULE 16) $100** Deductibles: $1,000* $2,000* Glass Collision: Not Applicable Limited Collision: Not Applicable Comprehensive: Including Fire, Theft and Combined Additional Coverages *Charges based on $500 Deductible Premium $300 Deductible - $25 **Applies to otherwise determined premium $500 Deductible - $36 Collision Waiver of Deductible Charges: $1,000Deductible- $48 $2,000Deductible- $74 SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Private Passenger: $50 $150 $185 $335 Motorcycle: $45 $90 $167 $346 DISCOUNTS (RULE 19) Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Continuously Insured Discount 10% Parts 1,2,4 and 5 Good Driver Discount 10% Parts 1,2,4 and 5 One Pay Plan 5% Parts 1-12 PERSONAL INJURY PROTECTION DEDUCTIBLE (RULE 30) DEDUCTIBLE: $100 $250 $500 $1,000 $2,000 $4,000 $8,000 Policyholder - Alone: 2% 4% 8% 15% 28% 40% 50% Policyholder and Household Members: 2% 5% 11% 20% 37% 51% 64% Page MR-V-76

41 Miscellaneous Rate Pages- Tier V Miscellaneous Rating Factors TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Private Passenger and Motorcycle: $8 $16 EXCESS ELECTRONIC EQUIPMENT COVERAGE (RULE 46) Apply a rate of $4 to each $100 of valuation. CUSTOMIZING EQUIPMENT - STATED AMOUNT COVERAGE (RULE 47) Refer to Rule 47 Page MR-V-77

42 Miscellaneous Rate Pages- Tier V Non-Symbolled Pick- Up/Van (model years 2010 and Prior) or Pick Up/Van not assigned to Vehicle Rating Group (model years 2011 and greater) (Rule 32) Miscellaneous Motor Vehicles LIABILITY (Parts 1-6, &12) PHYSICAL Manual Rates-In accordance with Rule 11. for all coverage parts. Page MR-V-79 DAMAGE(Parts 7-11) Part 7-charge 60%* of the Base premium calculated in accordance with Rule 11. Part 8 - Manual Rate-in accordance with Rule 11. Part 9 Charge 90% of the base premium calculated in accordance with Rule 11. Parts 10 and 11-charge rates in accordance with Rule 11. Trailers (Rule 34) No Charge Rule 11. Premium Calculation provisions do not apply. For 2010 and prior models, Parts 7,8,and 9, charge 50% of the Territory 1, Class 10 base premium X the latest model year/symbol factor shown on the rate pages. Symbol is based on cost new. See Rule 22. One Pay Plan Discount is offered if eligible. For 2011 and greater models, Parts 7,8, and 9, charge 50% of the Territory 1, Class 10 base premium X the latest model yr/vrg factor shown on the rate pages. VRG is based on Base List Price. See Rule 21. Merit Rating Plan does not apply. One Pay Plan Discount is offered if eligible. Motor Homes (Rule 39) Manual Rates-In accordance with Rule 11. for all coverage parts. Parts 7 and 8 charge 50% of the Base premium calculated in accordance with Rule 11. Part 9 Manual Rate-In accordance with Rule 11. Parts 10 and 11-charge rates in accordance with Rule 11. One Pay Plan Discount is offered if eligible.

43 Miscellaneous Rate Pages- Tier V Antique Motor Cars (Rule 40) Antique Motorcycles (Rule 40) Rule 11. Premium Calculation provisions do not apply. For Parts 1, 2, 4 & 5 Charge 25% of the Class 10 base premium for the applicable Rating territory and coverage limit. Parts 3, 6 and 12 Charge the rate shown in the manual for the applicable Rating territory and coverage limit. The Merit Rating Plan does not apply. The Anti Theft Devices Discount and Class 15 Discounts will apply as shown on Page R-68, if applicable. Rule 11. Premium Calculation provisions do not apply. For Parts 1, 2, 4 & 5 charge 25% of Motorcycle Rates for the applicable Rating territory and coverage limit. For Parts 3, 6 and 12 charge the rate shown in the manual for the applicable Rating territory and coverage limit. The Merit Rating Plan does not apply. The Anti Theft Devices Discount and Class 15 Discounts will apply as shown on Page R-68, if applicable. Rule 11. Premium Calculation provisions do not apply. For Parts 7, 8 and 9 charge 50% of the Latest Model Year shown in Rate Pages, Territory 1, Class 10 Symbol based on appraised value (model years 2010 and prior). Territory 1, Class 10 VRG based on appraised value (model years 2011 and greater). Merit Rating plan does not apply. The Anti Theft Devices Discount,One Pay Plan, and Class 15 Discounts will apply as shown on Page R-68, if applicable. Parts 10 and 11-charge rates in accordance with Rule 11. Rule 11. Premium Calculation provisions do not apply. For Part 7, 8 and 9 charge 50% of Territory 1 Motorcycle Rates Merit Rating plan does not apply. The Anti Theft Devices Discount, One Pay Plan, and Class 15 Discounts will apply as shown on Page R-68, if applicable. Parts 10 and 11-charge rates in accordance with Rule 11. Page MR-V-79

44 Miscellaneous Rate Pages- Tier V Low Speed Vehicles (Rule 43) Golf mobiles and Lawnmowers (Motorized) Parts 1,4, and 5: Charge 50% of the Class 10 base premium. Parts 2,3,6,and 12: Charge 100% of the Class 10 base premium. The annual mileage discount, multi-car discount, continuously insured discount, good driver discount and the class 15 discounts as described in Rule 19. apply. Not Available *Reduction not applicable to Waiver of Deductible premium Parts 7and 8: Charge 75% of the Class 10 base premium. Part 9 : Charge 50% of the Class 10 base premium. The annual mileage discount, multi-car discount, One Pay Plan, and Class 15 discounts as described in Rule 19. apply. Not Available Snowmobiles Not Available Motorcycles, etc. (Rule 44) Motorcycle Rider Training Program Discount - 10% Parts 1-8 and 12 Anti-Theft-Category IV- 20% Part 9, One Pay Plan-5% Parts 1-12 Insureds age 65 or older - 25% All Parts Page MR-V-80

45 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 1 - Bodily Injury Part 2 - PIP Experienced Operators Experienced Operators Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $10 $8 $13 $12 1 $1 $1 $1 $1 2 $10 $8 $14 $13 2 $1 $1 $2 $1 3 $11 $9 $14 $13 3 $1 $1 $2 $1 4 $12 $10 $16 $15 4 $1 $1 $2 $2 5 $13 $11 $18 $16 5 $1 $1 $2 $2 6 $14 $11 $19 $17 6 $2 $1 $2 $2 7 $15 $12 $20 $18 7 $2 $1 $2 $2 8 $14 $11 $18 $17 8 $2 $1 $2 $2 9 $14 $11 $19 $17 9 $2 $1 $2 $2 10 $19 $15 $25 $23 10 $2 $2 $3 $3 11 $18 $14 $24 $22 11 $2 $2 $3 $2 12 $21 $17 $29 $26 12 $2 $2 $3 $3 13 $21 $17 $28 $26 13 $2 $2 $3 $3 14 $24 $19 $33 $30 14 $3 $2 $4 $3 15 $37 $29 $50 $45 15 $4 $3 $6 $5 16 $45 $36 $60 $55 16 $5 $4 $7 $6 17 $33 $26 $44 $40 17 $4 $3 $5 $5 18 $33 $26 $44 $40 18 $4 $3 $5 $5 19 $33 $26 $44 $40 19 $4 $3 $5 $5 20 $33 $26 $44 $40 20 $4 $3 $5 $5 21 $33 $26 $44 $40 21 $4 $3 $5 $5 22 $33 $26 $44 $40 22 $4 $3 $5 $5 23 $33 $26 $44 $40 23 $4 $3 $5 $5 24 $33 $26 $44 $40 24 $4 $3 $5 $5 25 $33 $26 $44 $40 25 $4 $3 $5 $5 26 $33 $26 $44 $40 26 $4 $3 $5 $5 27 $8 $7 $11 $10 27 $1 $1 $1 $1 40 $23 $18 $31 $28 40 $3 $2 $3 $3 41 $24 $19 $32 $30 41 $3 $2 $4 $3 42 $35 $28 $47 $43 42 $4 $3 $5 $5 43 $32 $26 $43 $40 43 $4 $3 $5 $4 44 $39 $31 $52 $48 44 $4 $3 $6 $5 45 $33 $26 $45 $41 45 $4 $3 $5 $5 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: Group A B C D Vehicle size 0 c.c. to 100 c.c. 101 c.c. to 350 c.c. 351 c.c. to 650 c.c. 651 c.c. and over (4) Apply the approriate Tier Factor from Rule B (5) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 MC-I-IV-1

46 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 5 - Optional BI Rates at Basic limits Experienced Operators Experienced Operators With Guest Without Guest Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $13 $10 $17 $14 1 $2 $3 $4 $5 2 $14 $10 $18 $15 2 $2 $3 $4 $6 3 $14 $10 $18 $16 3 $2 $3 $5 $6 4 $16 $12 $20 $17 4 $3 $4 $5 $6 5 $18 $13 $23 $19 5 $3 $4 $6 $7 6 $19 $14 $24 $20 6 $3 $5 $6 $8 7 $20 $14 $25 $21 7 $3 $5 $6 $8 8 $18 $13 $23 $20 8 $3 $4 $6 $7 9 $19 $14 $24 $20 9 $3 $5 $6 $8 10 $25 $18 $32 $27 10 $4 $6 $8 $10 11 $24 $17 $30 $26 11 $4 $6 $8 $10 12 $29 $21 $36 $31 12 $5 $7 $9 $12 13 $28 $20 $36 $31 13 $5 $7 $9 $11 14 $33 $23 $42 $35 14 $5 $8 $11 $13 15 $49 $36 $63 $54 15 $8 $12 $16 $20 16 $60 $43 $76 $65 16 $10 $14 $19 $24 17 $44 $31 $56 $48 17 $7 $11 $14 $18 18 $44 $31 $56 $48 18 $7 $11 $14 $18 19 $44 $31 $56 $48 19 $7 $11 $14 $18 20 $44 $31 $56 $48 20 $7 $11 $14 $18 21 $44 $31 $56 $48 21 $7 $11 $14 $18 22 $44 $31 $56 $48 22 $7 $11 $14 $18 23 $44 $31 $56 $48 23 $7 $11 $14 $18 24 $44 $31 $56 $48 24 $7 $11 $14 $18 25 $44 $31 $56 $48 25 $7 $11 $14 $18 26 $44 $31 $56 $48 26 $7 $11 $14 $18 27 $11 $8 $14 $12 27 $2 $3 $4 $4 40 $31 $22 $39 $33 40 $5 $7 $10 $12 41 $32 $23 $41 $35 41 $5 $8 $10 $13 42 $47 $34 $60 $51 42 $8 $11 $15 $19 43 $43 $31 $55 $47 43 $7 $10 $14 $17 44 $52 $37 $66 $57 44 $8 $13 $17 $21 45 $45 $32 $57 $48 45 $7 $11 $14 $18 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: Rates at increased limits Factor Group Vehicle size 25/ A 0 c.c. to 100 c.c. 25/ B 101 c.c. to 350 c.c. 50/ C 351 c.c. to 650 c.c. 100/ D 651 c.c. and over 250/ (4) Apply the appropriate Tier factor from Rule B 300/ (5) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 The implicit surcharge exclusion factor for Part 5 increased limits for motorcycles is 1.00 MC-I-IV-2

47 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 4 - Property Damage Rates at Basic limits Part 4 Increased Limit Factors Part 6 - Medical Payments Rates by limit Experienced Operators Limit Factor All Territories Limit per Territory Group A Group B Group C Group D $5, person All Groups 1 $12 $10 $17 $15 $10, $500 $67 2 $12 $10 $16 $15 $15, $750 $73 3 $13 $11 $18 $16 $20, $1,000 $77 4 $14 $11 $19 $18 $25, $2,000 $95 5 $16 $13 $22 $20 $30, $5,000 $137 6 $16 $13 $22 $20 $35, $10,000 $199 7 $17 $13 $22 $20 $40, $15,000 $247 8 $18 $14 $24 $22 $45, $20,000 $284 9 $21 $17 $29 $26 $50, $25,000 $ $21 $16 $28 $25 $75, $50,000 $ $22 $17 $29 $26 $80, $26 $20 $34 $31 $100, Part 3 - Uninsured Motorists 13 $29 $23 $39 $35 Rates by limit 14 $32 $25 $42 $39 15 $32 $25 $43 $39 All Territories 16 $34 $27 $45 $41 Limit All Groups 17 $42 $33 $56 $51 20/40 $23 18 $42 $33 $56 $51 20/50 $24 19 $42 $33 $56 $51 25/50 $25 20 $42 $33 $56 $51 35/80 $27 21 $42 $33 $56 $51 50/100 $31 22 $42 $33 $56 $51 100/300 $36 23 $42 $33 $56 $51 250/500 $41 24 $42 $33 $56 $51 500/500 $52 25 $42 $33 $56 $51 500/1000 $62 26 $42 $33 $56 $51 27 $11 $9 $15 $14 Part 12 - Underinsured Motorists 40 $20 $16 $27 $24 Rates by limit 41 $33 $26 $44 $40 42 $30 $24 $40 $36 All Territories 43 $32 $25 $43 $39 Limit All Groups 44 $28 $22 $38 $34 20/40 $0 45 $32 $26 $43 $39 20/50 $1 25/50 $6 35/80 $19 Notes: 50/100 $37 (1) Motorcycle territory definitions are the 100/300 $91 same as for private passenger automobiles. 250/500 $302 (2) Rates for inexperienced operators are 500/500 $533 calculated by applying a factor of 1.50 to 500/1000 $764 the experienced operators rates above. (3) Group definitions are as follows: (4) Apply the appropriate Tier Factor form Rule 26.1.B., 26.2 (5) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 Group A B C D Vehicle size 0 c.c. to 100 c.c. 101 c.c. to 350 c.c. 351 c.c. to 650 c.c. 651 c.c. and over Notes: (1) Rates for Parts 3, 6, and 12 are the same for experienced and inexperienced operators. MC-I-IV-3

48 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 7 - Collision Rates at $500 deductible Part 7 - Collision Other deductibles Rate per $100 of value* Experienced Deductible Operators $300 Territory All Groups $1,000 1 $1.64 $2,000 2 $ $ $ $ $ $2.51 All Territories 8 $2.70 Deductibl All Groups 9 $3.06 $300 $6 10 $3.34 $500 $8 11 $2.88 $1,000 $11 12 $3.75 $2,000 $16 13 $ $ $6.78 Part 8 - Limited Collision 16 $ $6.37 $500 deductible base premium (Part 8) = 18 $6.37 (6.0%) x [$500 deductible Collision base premium (Part 7)] 19 $ $6.37 Deductible All Groups 21 $6.37 $0 $500 deductible premium (Part 8) + $5 22 $6.37 $300 $500 deductible premium (Part 8) + $3 23 $6.37 $1, % of $500 deductible premium (Part 8) 24 $6.37 $2, % of $500 deductible premium (Part 8) 25 $ $ $1.46 Motorycle Age Factors 40 $ $3.78 Age Based on Collision 42 $4.79 Group Model Year (MY) ** Factor 43 $ Current MY $ st Preceding $ nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other ** The current model year changes October 1, regardless of the actual date the models are introduced. * Determine motorcycle Collision rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Apply the appropriate Tier factor from Rule 26.1.B. (d) Multiply the base manual premium determined in (b) by the Age Rate Factor. (e) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 A minimum value of $1,800 applies to vehicle sizes 651 c.c. and over. Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Rates are per $100 of insured value. All Territories All Groups $500 deductible premium + $ % of $500 deductible premium 57.0% of $500 deductible premium Part 7 - Collision Waiver of Deductible Charges MC-I-IV-4

49 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 9 - Comprehensive Rates at $500 deductible Part 9 - Comprehensive Other deductibles Rate per $100 of value* Territory All Groups Deductible 1 $0.80 $300 2 $0.72 $1,000 3 $0.84 $2,000 4 $0.98 $100 Glass Ded 5 $ $ $ $ $ $2.51 Fire 11 $2.44 Theft 12 $ $ $ $ $ $ $ $ $10.41 Age 21 $10.41 Group 22 $ $ $ $ $ $ $ $ $4.36 All Territories All Groups $500 deductible premium + $1 61.1% of $500 deductible premium 55.8% of $500 deductible premium 84% of $500 deductible premium Charge 5% of the motorcycle Comprehensive premium Charge 90% of the motorcycle Comprehensive premiu Motorycle Age Factors Based on Comprehensive Model Year (MY) ** Factor Current MY st Preceding nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other $4.78 ** The current model year changes October 1, regardless of the actual date 44 $6.37 the models are introduced. 45 $4.57 * Determine motorcycle Comprehensive rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Apply the appropriate Tier Factor from Rule 26.1.B (d) Multiply the base manual premium determined in (b) by the Age Rate Factor. (e) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 A minimum value of $1,800 applies to vehicle sizes 651 c.c. and over. Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for Part 9 are the same for experienced and inexperienced operators. (3) Rates are per $100 of insured value. MC-I-IV-5

50 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Approved Motorcycle Training Sites Rider Education Recognition Program (RERP) Number Bristol Community College, Fall River (61347) Central Mass Safety Council, West Boylston (60055) Hanscomb AFB, Bedford (61141) Motorcycle Safe Riding Project, Beverly (60050) (Formerly listed as Cycles 128) Northern Essex Community College, Haverhill (61348) Otis ANGB, Cape Cod (60758) Riverside Kawasaki, Hanscomb AFB in Bedford (61350) Safety Council of Western Mass, Dalton (61277) South Weymouth NAS, South Weymouth (60690) Westfield State College, Westfield (61349) Those who participate in motorcycle rider education courses in any other location are also eligible for the 10% reduction, given the course is approved by the Motorcycle Safety Foundation. If courses are taken out of state, they must be Motorcycle Safety Foundation certified and adhere to Governor s Highway Safety Bureau rules and regulations on file at the Secretary of State s office. MC-I-IV-6

51 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Miscellaneous Rates Substitute Transportation (Part 10) Towing and Labor $15/day with $450 maximum $45 $50/day per disablement $8 $30/day with $900 maximum $90 $100/day per disablement $16 $45/day with $1,350 maximum $167 $100/day with $3000 maximum $346 Discount (Rule 44) Discount Amount Coverage Motorcycle Rider Training Program (Rule 44) 10% Parts 1-8, 12 Anti-Theft - Category IV 20% Part 9 Insured Age 65 or older 25% All Parts Early Issue 5% All Parts Account Credit 10% All Parts One Pay Plan Discount 5% All Parts Qualified Book Transfer Credit 4% All Parts Age Rate Factors For rating motorcycle physical damage coverages, see manual rate page for Age Rate Factors to be applied to the base manual premium of the motorcycle. Merit Rating Plan Rates for Parts 1, 2, 4, 5 and 7 are base rates (i.e. at the point/zero credit level, or prior to the application of any merit rating plan credits or surcharges). The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Inexperienced Operator Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operator rates. Inexperienced rating factors apply to coverage Parts 1, 2, 4, 5, 7, and 8. Premium Calculation Rule (See Rule 11. for additional detail by vehicle type, tier and coverage) Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. The premium for each exposure shall be rounded to the nearest whole dollar at the end of each step. (Rounding should occur after the application of each discount, except after the senior discount) 1) Determine the base manual premium 2) Apply appropriate Tier Factor from Rule 26.1.B. 3) Apply the Age Rate Factor (for physical damage coverages) 4) Apply adjustments for increased limits or deductibles 5) Add waiver of deductible charges 6) Apply the inexperienced operator factor 7) Apply discounts in the order as shown on the motorcycle rating worksheet, page RW-3. 8) Apply Merit Rating credits or surcharges Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2008 MC-I-IV-7

52 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 1 - Bodily Injury Part 2 - PIP Experienced Operators Experienced Operators Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $10 $8 $13 $12 1 $1 $1 $1 $1 2 $10 $8 $14 $13 2 $1 $1 $2 $1 3 $11 $9 $14 $13 3 $1 $1 $2 $1 4 $12 $10 $16 $15 4 $1 $1 $2 $2 5 $13 $11 $18 $16 5 $1 $1 $2 $2 6 $14 $11 $19 $17 6 $2 $1 $2 $2 7 $15 $12 $20 $18 7 $2 $1 $2 $2 8 $14 $11 $18 $17 8 $2 $1 $2 $2 9 $14 $11 $19 $17 9 $2 $1 $2 $2 10 $19 $15 $25 $23 10 $2 $2 $3 $3 11 $18 $14 $24 $22 11 $2 $2 $3 $2 12 $21 $17 $29 $26 12 $2 $2 $3 $3 13 $21 $17 $28 $26 13 $2 $2 $3 $3 14 $24 $19 $33 $30 14 $3 $2 $4 $3 15 $37 $29 $50 $45 15 $4 $3 $6 $5 16 $45 $36 $60 $55 16 $5 $4 $7 $6 17 $33 $26 $44 $40 17 $4 $3 $5 $5 18 $33 $26 $44 $40 18 $4 $3 $5 $5 19 $33 $26 $44 $40 19 $4 $3 $5 $5 20 $33 $26 $44 $40 20 $4 $3 $5 $5 21 $33 $26 $44 $40 21 $4 $3 $5 $5 22 $33 $26 $44 $40 22 $4 $3 $5 $5 23 $33 $26 $44 $40 23 $4 $3 $5 $5 24 $33 $26 $44 $40 24 $4 $3 $5 $5 25 $33 $26 $44 $40 25 $4 $3 $5 $5 26 $33 $26 $44 $40 26 $4 $3 $5 $5 27 $8 $7 $11 $10 27 $1 $1 $1 $1 40 $23 $18 $31 $28 40 $3 $2 $3 $3 41 $24 $19 $32 $30 41 $3 $2 $4 $3 42 $35 $28 $47 $43 42 $4 $3 $5 $5 43 $32 $26 $43 $40 43 $4 $3 $5 $4 44 $39 $31 $52 $48 44 $4 $3 $6 $5 45 $33 $26 $45 $41 45 $4 $3 $5 $5 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: (4) Apply applicable discounts in the order as shown on the motorcycle rating worksheet, Page RW-4. Group Vehicle size A 0 c.c. to 100 c.c. B 101 c.c. to 350 c.c. C 351 c.c. to 650 c.c. D 651 c.c. and over Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-70

53 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 5 - Optional BI Rates at Basic limits Experienced Operators Experienced Operators With Guest Without Guest Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $13 $10 $17 $14 1 $2 $3 $4 $5 2 $14 $10 $18 $15 2 $2 $3 $4 $6 3 $14 $10 $18 $16 3 $2 $3 $5 $6 4 $16 $12 $20 $17 4 $3 $4 $5 $6 5 $18 $13 $23 $19 5 $3 $4 $6 $7 6 $19 $14 $24 $20 6 $3 $5 $6 $8 7 $20 $14 $25 $21 7 $3 $5 $6 $8 8 $18 $13 $23 $20 8 $3 $4 $6 $7 9 $19 $14 $24 $20 9 $3 $5 $6 $8 10 $25 $18 $32 $27 10 $4 $6 $8 $10 11 $24 $17 $30 $26 11 $4 $6 $8 $10 12 $29 $21 $36 $31 12 $5 $7 $9 $12 13 $28 $20 $36 $31 13 $5 $7 $9 $11 14 $33 $23 $42 $35 14 $5 $8 $11 $13 15 $49 $36 $63 $54 15 $8 $12 $16 $20 16 $60 $43 $76 $65 16 $10 $14 $19 $24 17 $44 $31 $56 $48 17 $7 $11 $14 $18 18 $44 $31 $56 $48 18 $7 $11 $14 $18 19 $44 $31 $56 $48 19 $7 $11 $14 $18 20 $44 $31 $56 $48 20 $7 $11 $14 $18 21 $44 $31 $56 $48 21 $7 $11 $14 $18 22 $44 $31 $56 $48 22 $7 $11 $14 $18 23 $44 $31 $56 $48 23 $7 $11 $14 $18 24 $44 $31 $56 $48 24 $7 $11 $14 $18 25 $44 $31 $56 $48 25 $7 $11 $14 $18 26 $44 $31 $56 $48 26 $7 $11 $14 $18 27 $11 $8 $14 $12 27 $2 $3 $4 $4 40 $31 $22 $39 $33 40 $5 $7 $10 $12 41 $32 $23 $41 $35 41 $5 $8 $10 $13 42 $47 $34 $60 $51 42 $8 $11 $15 $19 43 $43 $31 $55 $47 43 $7 $10 $14 $17 44 $52 $37 $66 $57 44 $8 $13 $17 $21 45 $45 $32 $57 $48 45 $7 $11 $14 $18 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: Group Vehicle size A 0 c.c. to 100 c.c. B 101 c.c. to 350 c.c. C 351 c.c. to 650 c.c. D 651 c.c. and over (4) Apply applicable discounts in the order as shown on the motorcycle rating worksheet, Page RW-4. Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-71

54 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 4 - Property Damage Rates at Basic limits Part 6 - Medical Payments Rates by limit Experienced Operators All Territories Territory Group A Group B Group C Group D Limit per person All Groups 1 $12 $10 $17 $15 $500 $67 2 $12 $10 $16 $15 $750 $73 3 $13 $11 $18 $16 $1,000 $77 4 $14 $11 $19 $18 $2,000 $95 5 $16 $13 $22 $20 $5,000 $137 6 $16 $13 $22 $20 $10,000 $199 7 $17 $13 $22 $20 $15,000 $247 8 $18 $14 $24 $22 $20,000 $284 9 $21 $17 $29 $26 $25,000 $ $21 $16 $28 $25 11 $22 $17 $29 $26 12 $26 $20 $34 $31 13 $29 $23 $39 $35 14 $32 $25 $42 $39 15 $32 $25 $43 $39 All Territories 16 $34 $27 $45 $41 Limit All Groups 17 $42 $33 $56 $51 20/40 $23 18 $42 $33 $56 $51 20/50 $24 19 $42 $33 $56 $51 25/50 $25 20 $42 $33 $56 $51 35/80 $27 21 $42 $33 $56 $51 50/100 $31 22 $42 $33 $56 $51 100/300 $36 23 $42 $33 $56 $51 250/500 $41 24 $42 $33 $56 $51 500/500 $52 25 $42 $33 $56 $51 26 $42 $33 $56 $51 27 $11 $9 $15 $14 40 $20 $16 $27 $24 41 $33 $26 $44 $40 42 $30 $24 $40 $36 All Territories 43 $32 $25 $43 $39 Limit All Groups 44 $28 $22 $38 $34 20/40 $0 45 $32 $26 $43 $39 20/50 $1 25/50 $6 Notes: 35/80 $19 (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to 50/100 $37 100/300 $91 250/500 $ /500 $533 the experienced operators rates above. (3) Group definitions are as follows: (4) Apply applicable discounts in the order as shown on the motorcycle rating worksheet, Page RW-4. Notes: Group A B C D Part 3 - Uninsured Motorists Rates by limit Part 12 - Underinsured Motorists Rates by limit Vehicle size (1) Rates for Parts 3, 6, and 12 are the same 0 c.c. to 100 c.c. experienced and inexperienced operators. 101 c.c. to 350 c.c. 351 c.c. to 650 c.c. 651 c.c. and over Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-72

55 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 7 - Collision Rates at $500 deductible Part 7 - Collision Other deductibles Rate per $100 of value* Experienced Deductible Operators $300 Territory All Groups $1,000 1 $1.64 $2,000 2 $ $ $ $ $ $2.51 All Territories All Groups $500 deductible premium + $ % of $500 deductible premium 57.0% of $500 deductible premium Part 7 - Collision Waiver of Deductible Charges All Territories 8 $2.70 Deductible All Groups 9 $3.06 $300 $6 10 $3.34 $500 $8 11 $2.88 $1,000 $11 12 $3.75 $2,000 $16 13 $ $ $6.78 Part 8 - Limited Collision 16 $ $6.37 $500 deductible base premium (Part 8) = 18 $6.37 (6.0%) x [$500 deductible Collision base premium (Part 7)] 19 $ $6.37 Deductible All Groups 21 $6.37 $0 $500 deductible premium (Part 8) + $5 22 $6.37 $300 $500 deductible premium (Part 8) + $3 23 $6.37 $1, % of $500 deductible premium (Part 8) 24 $6.37 $2, % of $500 deductible premium (Part 8) 25 $ $ $1.46 Motorycle Age Factors 40 $ $3.78 Age Based on Collision 42 $4.79 Group Model Year (MY) ** Factor 43 $ Current MY $ st Preceding $ nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other ** The current model year changes October 1, regardless of the ac date the models are introduced. * Determine motorcycle Collision rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Multiply the base manual premium determined in (b) by the Age Rate Factor. (d) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-4 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates (3) Rates are per $100 of insured value. Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-73

56 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 9 - Comprehensive Rates at $500 deductible Part 9 - Comprehensive Other deductibles Rate per $100 of value* Territory All Groups Deductible 1 $0.80 $300 2 $0.72 $1,000 3 $0.84 $2,000 4 $ $ $ $ $ $ $2.51 Fire 11 $2.44 Theft 12 $ $ $ $ $ $ $ $ $10.41 Age 21 $10.41 Group 22 $ $ $ $ $ $ $ $ $4.36 All Territories All Groups $500 deductible premium + $1 61.1% of $500 deductible premium 55.8% of $500 deductible premium Charge 5% of the motorcycle Comprehensive premium Charge 90% of the motorcycle Comprehensive premium Motorycle Age Factors Based on Comprehensive Model Year (MY) ** Factor Current MY st Preceding nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other $4.78 ** The current model year changes October 1, regardless of the actual date 44 $6.37 the models are introduced. 45 $4.57 * Determine motorcycle Comprehensive rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Multiply the base manual premium determined in (b) by the Age Rate Factor. (d) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-4 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for Part 9 are the same for experienced and inexperienced operators. (3) Rates are per $100 of insured value. Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-74

57 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Private Passenger Vehicles-Tiers I-IV Policy Number: Effective Date: Named Insured: Territory: Class: Tier Merit Rating Code: Vehicle Yr & Symbol ATD %: Passive Restraint: Multi Car: Low Mileage%: Group disc: Preferred Operator Discount Superior Client % Account Cr Good Student Discount Student Away From Home Discount Continuously Insured Good Driver Age 65 Credit: Early Issue Discount(New Only) Risk Und. Factor Driver Exp Factor Vehicle Score Factor One Pay Book Transfer(New Only) Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x Tier Factor x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x Tier Factor x low mileage x multi car x PR x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium X Tier Factor x low mileage x PR x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Tier Factor x ILF x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x Tier Factor x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Driver Exp x age 65 If Limits > 20/40 take Part 1 Base ( tiered)+ OBI Base( tiered) x incr. Limit factor Part 1Base (Tiered) x low mileage x multi car x Pref Oper x Superior Client x Acct Cr x ADT x Good Student x Student Away x Continuous x Good Dr x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book transfer x age 65 Part 6 Medical Payments- LIMIT Base premium x Tier Factor x low mileage x PR x Pref Oper Cr x Superior Client x Acct Cr x x Good Student X Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 7 Collision- DED Base premium x Tier Factor x *mod yr/symbol/vrg factor x ded factor+ waiver of ded x OEM x ERR x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 8 Limited Collision- DED Base premium x Tier Factor x *mod yr/symbol/vrg x ded + waiv of ded x OEM x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 9 Comprehensive-DED Base premium x Tier Factor x *mod yr/symbol/vrg fact x ded x OEM x ERR (HT) x multi car x x Pref Oper Cr x Superior Client x Acct Cr x ADTx Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 10 Substitute Transportation-LIMIT RW-1

58 Base premium x Tier Factor x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 11 Towing and Labor-LIMIT Base premium x Tier Factor x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x Tier Factor x low mileage x PR x Pref Oper Cr x Superior Client x Acct Cr x x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Optional endorsements TOTAL$ *Model years 2010 and prior use ISO model year symbol identification plan. Model Years 2011 and after Use Vehicle Rating Groups or VRG assignments and factors. Apply 25% passive restraint (parts 2, 3, 6 & 12)(Rule 19. F.) Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. ERR- Extra Risk Rating Parts 7 and 9 (Rule 24.) ATD applies to comp (part 9) premium (Rule 54.) Apply low mileage of 10% for miles, 5% for miles (parts 1-8 and 12)(Rule 19. D.) Apply 10% Credit for multi-car (parts 1,2,4,5,7,8,9) (Rule 19.A.) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.C.) Apply 10 % Preferred Operator Discount 4% (Rule 19.F.), Superior Client Discount 10% (Rule 19. L.) Account Cr 10% (Rule 19. G.), Auto Loan/Lease apply 6% parts 7 and 9) (Rule 37.) Good Student 5% (all parts) (Rule 19. H.) Student Away From Home 5% (all parts) (Rule 19. I. ) Continuously Insured 10% (parts 1,2,4 and 5) (Rule 19.J.) Good Driver 10% (parts 1,2,4 and 5) (Rule 19.K.) Early Issue 5% New Bus only (all parts) (Rule 19. M.) Risk Underwriting factor (all parts)(rule 26.2) Driver Experience Factor (all parts) (Rule 26.3) Vehicle History Score Factor (all parts) (Rule 26.4) One Pay 5% (all parts) (Rule 19. N.) Qualified Book Transfer 4% New Business only (all parts) (Rule 19. O.) RW-1 Effective

59 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Private Passenger Vehicles-Tier V Policy Number: Effective Date: Named Insured: Territory: Class: Merit Rating Code: Vehicle Yr & Symbol ATD %: Multi Car: Low Mileage%: Continuously Insured Good Driver Age 65 Credit: One Pay: Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x low mileage x multi car x Continuous Cov x Good Drv x One Pay x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x low mileage x multi car x Continuous Cov x Good Drv x One Pay x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium x low mileage x One Pay x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Increased Limit Factor x low mileage x multi car x Continuous Cov x Good Drv x One Pay x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x low mileage x multi car x Continuous Cov x Good Drv x age 65 If Limits > 20/40 take Part 1 Base x implicit surcharge = Adjusted Part 1, + OBI Base x incr. Limit factor Adjusted Part 1 x low mileage x multi car x One Pay x age 65 Part 6 Medical Payments- LIMIT Base premium x low mileage x One Pay x age 65 Part 7 Collision- DED Base premium x *mod yr/symbol/vrg factor x ded factor+ waiver of ded x OEM x ERR x low mileage x multi car x One Pay x age 65 Part 8 Limited Collision- DED Base premium x *mod yr/symbol/vrg x ded + waiv of ded x OEM x low mileage x multi car x One Pay x age 65 Part 9 Comprehensive-DED Base premium x* mod yr/symbol/vrg fact x ded x OEM x ERR (HT) x multi car x ATD x One Pay x age 65 Part 10 Substitute Transportation-LIMIT Base premium x One Pay x age 65 Part 11 Towing and Labor-LIMIT Base premium x One Pay x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x low mileage x One Pay x age 65 Optional endorsements TOTAL$ Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. ERR-Extra Risk Rating Parts 7 and 9 (Rule 24.) Apply low mileage of 10% for miles, 5% for miles (parts 1-8 and 12)(Rule 19. E.) Apply 5% Credit for multi-car (parts 1,2,4,5,7,8,9) (Rule 19.A.) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.D.) Continuously Insured 10% (parts 1,2,4 and 5) (Rule 19.L.) Good Driver 10% (parts 1,2,4 and 5) (Rule 19.M.) One Pay: Apply 5% all parts (Rule 19. N.) *Model years 2010 and prior use ISO model year symbol identification plan. Model Years 2011 and after Use Vehicle Rating Groups or VRG assignments and factors. Effective RW-2

60 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Motorcycles-Tier I-IV Policy Number: Effective Date: Named Insured: Territory: Class: Tier Merit Rating Code: Vehicle Yr Group disc: Account Cr Motorcycle Training Inexperienced Operator Age 65 Credit: Motorcycle CC s Motorcycle Group Motorcycle Value Early Issue Discount (New Only) One Pay Discount Book Transfer (New only) Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x Tier x Inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x Tier x Inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium x Tier x motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Tier x Increased Limit Factor x Inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x Tier x Inexperienced x Motorcycle training x Acct Cr x age 65 If Limits > 20/40 take Part 1 Base x tier x implicit surcharge = Adjusted Part 1, + OBI Base x tier x incr. Limit factor Adjusted Part 1x tier x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 6 Medical Payments- LIMIT Base premium x Tier x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 7 Collision- DED Value x rate per $100 X Tier x MC Age factor x ded +waiver x inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer xage 65 Part 8 Limited Collision- DED Value x Collision rate per $100 x 6% x Tier X MC age Factor X ded +waiver x inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 9 Comprehensive-DED Value x rate per $100 X Tier X MC Age Rate Factor x ded X Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 10 Substitute Transportation-LIMIT Base premium x Tier x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 11 Towing and Labor-LIMIT Base premium x Tier x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x Tier x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Optional endorsements TOTAL$ Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. Apply 10% Credit for motorcycle training (parts 1-8 and 12) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.C.) Account Cr 10% all coverage parts (Rule 19.G.) Early Issue 5% New Bus. only (all parts) (Rule 19. M. ) Inexperienced operator charge or 1.50 to parts 1,2,4,5,7,8) Tier factor see Rule 26 B. for applicable tier factors. One Pay Plan Discount 5% all coverage parts(rule 19. N.) Book Transfer 4% New Bus. Only all coverage parts(rule 19. O.) See Misc Rate Pages for motorcycle physical damage age factors for renewal policies. RW-3 Effective

61 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Motorcycles-Tier V Policy Number: Effective Date: Named Insured: Territory: Class: Merit Rating Code: Vehicle Yr Group disc: Motorcycle Training Inexperienced Operator One Pay Age 65 Credit: Motorcycle CC s Motorcycle Group Motorcycle Value Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x Inexperienced operator x Motorcycle training x One Pay x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x Inexperienced operator x Motorcycle training x One Pay x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium x motorcycle training x One Pay x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Increased Limit Factor x Inexperienced operator x Motorcycle training x One Pay x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x Inexperienced x Motorcycle training x age 65 If Limits > 20/40 take Part 1 Base x implicit surcharge = Adjusted Part 1, + OBI Base x incr. Limit factor Adjusted Part 1 x One Pay x age 65 Part 6 Medical Payments- LIMIT Base premium x Motorcycle training x One Pay x age 65 Part 7 Collision- DED Value x rate per $100 X MC Age Factor x ded +waiver x inexperienced operator x Motorcycle training x One Pay x age 65 Part 8 Limited Collision- DED Value x Collision rate per $100 x 6% X MC Age Factor X ded +waiver x inexperienced operator x Motorcycle training x One Pay x age 65 Part 9 Comprehensive-DED Value x rate per $100 X MC Age Factor x ded X One Pay x age 65 Part 10 Substitute Transportation-LIMIT Base premium x One Pay x age 65 Part 11 Towing and Labor-LIMIT Base premium x One Pay x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x One Pay x age 65 Optional endorsements TOTAL$ Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. Apply 10% Credit for motorcycle training (parts 1-8 and 12) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.D.) Inexperienced operator charge or 1.50 to parts 1,2,4,5,7,8) See Misc Rte Pages for motorcycle physical damage age factors for renewal policies. One Pay: apply 5% all parts (Rule 19.N.) RW-4 Revised Effective

62 RULE 26.3 DRIVER EXPERIENCE FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. The Driver Experience Factor is based upon a listed operators date first licensed. The factor will be applied to each vehicle based upon the number of years the assigned operator has been licensed. The number of years licensed will be determined by the number of full years the operator has held a valid driver s license as of the effective date of the policy. Information may be obtained from the Massachusetts Registry of Motor Vehicles or any other evidence of prior licensure to determine the number of years licensed. If the date first licensed is not provided by the insured, we will assign the earliest possible date the driver s license could be obtained in the Commonwealth of Massachusetts. The Driver Experience Factor will be updated upon each renewal and on endorsement transactions if the assignment of operators is changed. The factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. If the operator has not been insured in the Commonwealth of Massachusetts during the 12 months preceding the application for coverage, and no evidence of licensure is available, we will use the experience factor for <1 year as the starting point for that operator. In the event that an operator s driving privileges have ever been suspended or revoked due to driving related offenses, for a period of three or more years, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. Apply the Driver Experience factor as follows: Years of Driving Factor Years of Driving Factor Years of Driving Factor Experience Experience Experience <

63 MASSACHUSETTS AUTOMOBILE RENEWAL FORM (STATEMENT OF FACTS) ISSUED BY: POLICY NUMBER: POLICY RENEWAL DATE: INSURED NAME AND ADDRESS: AGENT NAME AND ADDRESS: Dear Insured, It is very important that we have accurate driver and garaging information. All household members who are licensed to drive and any individual(s) that regularly use your autos must be listed on your policy s Coverage Selection Page. You must also verify where your vehicles are garaged. Failure to list all licensed household members and individual(s) who regularly operate your autos, and the failure to provide accurate garaging information may reduce or eliminate coverages under your policy. Please verify this information and make any necessary changes. It is your obligation to review this renewal form. You further warrant that the information contained is true, accurate, and complete and that no material facts have been omitted, misrepresented or misstated. Operators currently shown on your policy: Our records show the following individuals are licensed household members or have regular access to your autos. Lic. Date First Licensed % of Use for Auto Please indicate the reason for any changes Opr. Operator Name Date of Birth License Number St. Auto Motorcycle Veh Veh Veh Veh (for example, "Driver Added" or No. mm/dd/yy mm/dd/yy mm/dd/yy "Corrected Information") Vehicles currently shown on your policy: Our records show the following automobiles are listed on your policy and are garaged at the location(s) listed below. Veh # Year Make and Model of Vehicle Garaging Location Please indicate the reason for any changes (for example, "Vehicle Deleted" or "Garaging Location Changed") Important Notice: If you or someone on your behalf knowingly gives us false, deceptive, misleading or incomplete information in this application and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts, we may also limit payments under Part 3 and Part 4, and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of household members, and customary operators required to be listed. IF YOU ARE MAKING CHANGES OR CORRECTING INFORMATION, PLEASE SIGN THIS FORM AND RETURN IT TO YOUR AGENT AT THE ADDRESS LISTED ABOVE. DATE INSURED'S SIGNATURE DO NOT RETURN THIS FORM IF THE VEHICLE, VEHICLE GARAGING AND DRIVER INFORMATION LISTED ABOVE IS ACCURATE OR IF YOU ARE NOT ATTACHING ANY DOCUMENTATION FOR CREDITS/DISCOUNTS (SEE REVERSE FOR DESCRIPTION OF CREDITS/DISCOUNTS AND REQUIRED DOCUMENTATION) 0410/13 10/13

64 Credits and Discounts Available: Please review the following questions. If you answer "YES" to any of these questions, you may be eligible for a credit/discount. If you have any questions about these credits/discounts, or the verification information required in order to receive the credit/discount, please contact your agent. YES NO 1. Do you travel less than 7,500 miles a year? If YES, you may be eligible for a discount, contact your agent for further information. If we can verify this information from the Registry of Motor Vehicles we will apply the credit, otherwise, you must reapply on an annual basis. YES NO 2. Do you use public transportation to commute to work? If YES, attach verification of monthly passes or tickets purchased for at least 8 of the previous 11 months or contact your agent for further information. YES NO 3. Have you, or any operator listed on your policy, completed an Advanced Driver Training Class with In-Control Crash Prevention? If YES, attach verification of class or contact your agent for further information. YES NO 42. Is your home insured by Quincy Mutual Group (Quincy Mutual Fire Insurance Company or New England Mutual Insurance Company) or Andover Companies (Cambridge Mutual, Merrimac Mutual, Baystate Mutual) or the Massachusetts Property Insurance Underwriting Association)? If YES, you may be eligible for up to 30% credit on your Homeowners policy. Include the policy number and the name of the insurance company or contact your agent for further information. YES NO 53. Are there any inexperienced operators (less than 6 years of driving experience) listed on your policy who maintain a grade point average of 3.0 (B) or better? If YES attach a certificate completed by a school official who can verify the operator's academic record or contact your agent for further information. (This discount is removed when the policy expires. You must apply for this Good Student discount every time the policy is renewed.) YES NO 64. Are there any inexperienced operators (less than 6 years of driving experience) listed on your policy who is a student and lives more than 100 miles or more from your residence premises? If YES provide the name of the school and where it is located. (This discount is removed when the policy expires. You must apply for this Student Away discount every time the policy is renewed.) Important Coverage Questions: Please review the following questions. If you answer "YES" to any of these questions you should contact your agent immediately in order to verify that you have the correct coverage on your policy. YES NO 1. Have you customized any vehicle or motorcycle listed on your policy? Examples of customization includes installing electronic equipment or custom furnishings; non-auto antennas; awnings, cabanas, or any equipment that creates additional living space. YES NO 2. Are any of your vehicles listed on your policy used for business or occupational duties other than commuting to and from work? For example, deliveries, business calls or transporting someone for a fee. YES NO 3. Are there any licensed driver(s) not currently listed on your policy who regularly operate any vehicle that is currently listed on your policy? YES NO 4. Are there any licensed household members that are not currently listed on your policy? YES NO 5. Are you, or any licensed household member, operating a motor vehicle without a Massachusetts license? Note that Massachusetts law requires that you obtain a Massachusetts license within one year. Failure to obtain a MA license could result in non-renewal of your policy. For more information on this matter consult the Registry of Motor Vehicles website at www. mass.gov/rmv If you answered YES to any of the above questions, please contact your Insurance agency: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines or a denial of insurance benefits. 10/13

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67 SECTION IV - NON-OWNED AUTOMOBILES RULE 49. NAMED NON-OWNER POLICY Not Available. A policy may be written, at the option of the company, to insure a named individual who does not own an auto but drives borrowed or rented autos. The policy may also provide coverage for family members. Use Personal Auto Policy PP and the Named Non-Owner Coverage Endorsement PP The Merit Rating Plan does not apply to vehicles described in this rule. The following rates apply: The following rates apply by Tier: Bodily Injury Liability, Property Damage Liability, Medical Payments If the exclusions for vehicles furnished or available for regular use apply: Charge 40 % of the applicable Private Passenger final premium determined in accordance with Rule 11. for Parts 1, 4, 5 and 6 rates to provide coverage for a named individual. Charge 60% of the applicable Private Passenger final premium determined in accordance with Rule 11. for Parts 1, 4, 5 and 6 rates to provide coverage for a named individual and family members. If the exclusions for vehicles furnished or available for regular use do not apply: Charge 60% of the applicable Private Passenger final premium determined in accordance with Rule 11. For Parts 1, 4, 5 and 6 to provide coverage for a named individual. Charge 80% of the applicable Private Passenger final premium determined in accordance with Rule 11. for Parts 1, 4, 5 and 6 rates to provide coverage for a named individual and family members Uninsured Motorists and Underinsured Motorists Charge the applicable Part 3 and Part 12 private passenger rates by Tier. RULE 50. USE OF OTHER AUTOMOBILES A policy may be extended to provide coverage for an individual who owns an auto but also drives borrowed or rented autos. The policy may also be extended to provide coverage for household members. Endorsement M-0051-S, Use of Other Automobiles-Vehicles Furnished or Available For Regular Use may be used to cover vehicles furnished or available for regular use except vehicles furnished for use as public or livery conveyances. The Merit Rating Plan does not apply to vehicles described in this rule. The following rates apply by Tier for Damage To Someone Else s Property (Part 4), Optional Bodily Injury To Others (Part 5), and Medical Payments (Part 6): Vehicles Furnished or Available For Regular Use Except Public or Livery Conveyances A. No Primary Insurance Charge 90% of the applicable Private Passenger final premium determined in accordance with Rule 11. for an individual and 100% for individual and household members. B. Primary Insurance Charge 12% of the applicable Private Passenger final premium determined in accordance with Rule 11. for an individual and 13% for individual and household members. C. If the Named Individual is in the business of selling, servicing, repairing or parking autos and there is no insurance afforded on a primary basis, the applicable exclusion may be eliminated and the rate to be changed shall be 100% of the applicable private passenger rate. RULES RESERVED FOR FUTURE USE 46

68 SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS 1. Purpose and Scope This rule governs the reduction in premium charges for private passenger motor vehicles and certain commercial vehicles equipped with anti-theft devices and vehicle recovery systems. 2. Eligibility This rule is applicable to Private Passenger Automobiles as defined in Private Passenger Definition (Rule 27) in this Manual. 23. Coverages The discount is applicable to the Comprehensive coverage or other combination of specified perils which afford Theft coverage. 34. Discounts Applicable The following discounts are to be applied: 45. Definitions Vehicles Qualifying for Discount Category I 5% Category II 15% Category III 20% Category IV 20% Category IV, plus Category I 25% Category IV, plus Category II 30% Category IV, plus Category III 35% Category V 25% Category V, plus Category I 28% Category V, plus Category II 32% Category V, plus Category III 36% As used in this regulation, the following words shall mean: Passive device or system describes an anti-theft device or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren or other sounding device which is audible at 300 feet. Tubular describes a type of lock whose key is cylindrically shaped and which has at least 50,000 combinations. Electronic lock or keyless device is an electronic coding device which must havethat has more than 10,000 combinations. The combination used to unlock the device can be entered through a keyboard or similar data entry device or by means of a remote control device. 56. General Stickers identifying the particular anti-theft system installed may not be attached to the car unless specifically permitted in these rules. If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting standards for the highest discount. If one of the qualifying devices is a Category IV device, the applicable discount shall be calculated as stated in Item 4.Discounts Applicable. Insurers may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. 47

69 Categories Defined Category I Devices qualifying in this category receive 5% discounts. (a) Ignition or Starter Cut-Off Switch in Combination with Flush or Tapered Door Lock Buttons This device is an ignition cut-off switch (sometimes called a kill switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped upon leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may identify the presence of this system. (b) Ignition or Starter Cut-Off Switches Such ignition or starter cut-of switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. (c) Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in an auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by use of a key inserted in a lock mounted on the outside of the auto. (d) Internally-Operated Alarm Not Meeting Category II or Category III Criteria This is an alarm system which is activated from within the vehicle but which does not meet all the criteria found in Section (5.3) (a) or Section (5.4)(a); alarm must be triggered by entry of doors, hood or trunk. (e) Steering Column Armored Collar This is a device similar to an oversized padlock which clamps on the steering column over the ignition lock and prevents access to it. This device, upon being locked, prevents the vehicle from being started, or if the auto is hot-wired and started, the device prevents it from being steered. No part of the device, when not in operation, is attached to the steering column. A sticker may identify the presence of this device. (f) Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Reattachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. Category II Devices qualifying in this category receive 15% discounts. (a) Internally-Operated Alarm Systems Not Meeting Category III Criteria This is an alarm system which is activated from within the auto but which does not meet all the criteria in Section (5.4)(a). The ignition must be automatically cut off, or the starter must be disconnected automatically. The alarm must be triggered by entry of doors, hood or trunk. 48

70 (b) Non-Passive Fuel Cut-Off Device This is a shut-off device which operates to block the fuel line when a switch is tripped or when the device is engaged by a key. The switch to open or shut off the fuel line must be well hidden from view. (c) Non-Passive Steering Wheel Lock This device prevents the steering wheel from turning. A steel collar and barrel, into which the shackle of a lock fits, are permanently attached to the steering post. The shackle, made of case-hardened alloy steel, fits over the steering wheel spoke and into the barrel. A tubular key operates the lock. The collar, barrel and shackle must resist cutting with a file. A sticker may identify the presence of this system. (d) Armored Cable Hood Lock and Ignition Cut-Off Switch This system is one which meets all the criteria of Section (5.4)(f)(1) except paragraph (a). Armor must be similar to that used in outdoor telephone booths; it must extend through firewall and be secured so as to prevent retraction. (e) Window Identification System A window identification is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all the windows of the vehicle other than the small vent window. Provision must be made for immediate telephone identification of the owner of the vehicle any time of day or night. A sticker may identify the presence of this identification system. (f) Emergency Handbrake Lock This device prevents the release of the emergency handbrake. The lock replaces the handbrake grip, and is permanently attached to the handbrake lever. The lock encasement must be all metal construction. The lock is released by entering a preset digital combination. A sticker may identify the presence of this device. (g) Car Transmission Lock The device prevents the vehicle from moving from a parked position by locking the gear shift. A steel encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gear shift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. A sticker may identify this system. Category III Devices qualifying in this category receive 20% discounts. (a) Passive Alarm System - This is an alarm system meeting the following criteria: (1) Ignition must be cut off automatically, or starter must be disabled automatically. (2) Alarm must be triggered by entry of doors, hood or trunk. (3) Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. (4) Alarm must sound for no more than eight minutes, and upon ceasing to sound, must reset itself. (5) Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. (6) Alarm must be installed in the engine compartment so as to be inaccessible without opening the hood. 49

71 (7) The system must be engaged passively by turning the ignition key to the off position. To disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is twenty seconds. (b) Passive Fuel Cut-Off Device This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the car is started. This device must meet the following criteria: (1) The fuel line must be blocked when the power is off. (2) The switch to open the fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. (3) A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. (4) Any under-the-dash wiring installed in connection with this device must blend in color with factoryinstalled wiring. (c) Armored Ignition Cut-Off Switch This device is a kill switch designed to resist tampering. To prevent hot-wiring of the auto, a protective cap is attached to the coil or starter solenoid. Such devices must meet the following criteria: (1) Armored cable must run from a separate key to the coil, starter solenoid, or other engine component. Such cable must be similar to that used in outdoor telephone booths, collapse when cut, and preclude quick reconnection of the cut wire inside; alternatively, some other effective means of preventing defeat of the system by cutting the armored cable must be employed. (2) The device must prevent hot-wiring of the car. (3) A separate lock must be of tubular type and must be installed inside the auto so as to facilitate use by the driver; alternatively, an electronic keyless device may be used in lieu of a lock if it does not take significantly longer to engage the device than it takes to remove a key from a lock, and use of the system is otherwise facilitated. (d) Passive Multi-Component Cut-Off Switch This device is a kill switch activated when the ignition key is turned to the off position. It is designed to prevent hot-wiring of the auto. Such device must meet the following criteria: (1) The primary wire to the ignition coil must be disconnected. (2) The device must disconnect the starter. (3) One or more wires to the electronic ignition system, or to the points and condenser must be disconnected and grounded to the chassis. (4) The wiring must blend with factory-installed wiring, and the disconnecting/grounding wires must be routed to random points in the electrical system away from the components they affect. (5) The control module, if separate from the electronic locking mechanism, must be hidden in the engine compartment or other part of the car so that it is not easily detectable. (6) In order to start the car, a lock or electronic device must be used to deactivate the system. The lock must be of tubular type and must be installed inside the auto so as to facilitate use by the driver; alternatively, an electronic keyless device may be used in lieu of a lock if it does not take significantly longer 50

72 to engage the device than it takes to remove a key from a lock, and use of the system is otherwise facilitated. (e) Passive Time Delay Ignition System This is a device which allows the car to start only if the operator waits a prescribed time, which must vary from device to device in a range of three to twenty seconds, before moving the ignition key from On to Start. If the auto does not start, the operator must be required to wait at least ninety seconds before the device can be operated successfully on a subsequent try. The device must be resistant to tampering; for example, if it is forcibly removed, reconnection of the electrical system must not be possible with a hot-wire device. Alternatively, the device must be installed with a hood lock operated by a tubular key. (f) Armored Cable or Electrically Operated Hood Lock and Ignition Cut-Off Switch This is a supplemental hood lock operated from within the auto which also cuts off the ignition when engaged. Such devices must meet the following criteria: (1) Armored Cable Hood Lock (a) The hood lock cable must be armored by case hardened solid steel tubing designed to resist cutting; tubing must extend through firewall and be secured so as to prevent retraction. Otherwise, an alarm meeting the criteria of Section (5.3)(a) must be installed. (b) The system must be engaged by a push button or other device which facilitates use. The push button or other device must be installed within reach of driver when seated. (c) No portion of the hood lock cable may be accessible so that it could be grasped from underneath the car; and, if accessible through the grillwork, armor must extend to the locking mechanism. (2) Electrically Operated Hood Lock (a) The hood lock is electrically operated and functions so that it remains locked even if the wiring operating the hood lock is cut. (b) The system must be engaged passively by turning the ignition key to the off position. To disarm the system a separate key or electronic keyless device must be used. (c) If the hood lock can be reached through the grillwork or from underneath the car, the hood lock must be shielded or armored so that it cannot be manually operated. The locks controlling the devices must be of tubular type or operate electronically. (g) Passive, Delayed Ignition Cut-Off System This electronic system disables the ignition circuit at a preset engine speed such that the engine cannot be restarted or hot-wired. Such device must meet these criteria: (1) The ignition must cut off automatically as soon as the engine reaches a speed in the range of 1,500 to 2,000 RPM. (2) The system must be automatically armed when the ignition key is turned to the off position. (3) A push button or other type of disarm switch must be well hidden from view. The wiring must blend with factory-installed wiring if placed under the dash. In the alternative, a tubular key or an electronic keyless device may be used. (4) An alarm or horn shall be actuated at the same time the ignition is disabled. (5) If a parking/service attendant switch is provided, a buzzer must sound all the time the engine is running. The switch must be hidden in a remote place. 51

73 (h) Passive Ignition Lock Protective system This is a case hardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. The ignition key fits through a slot in the cap. A sticker may identify the presence of this system. (i) High Security Ignition Replacement Lock This is a high security, case hardened steering column ignition lock, conforming to NHTSA Standard No. 1141, which cannot be removed using a conventional slide hammer or lock puller equipment. A sticker may identify the presence of this system. (j) Hydraulic Brake Lock This is a dash-mounted device which, when activated and pressurized with the brake pedal, maintains hydraulic pressure on the brakes at two or more of a vehicle s wheels so that the vehicle cannot be driven. The device must have a high security locking system with at least 50,000 combinations and a lock which cannot be pulled using a conventional slide hammer or lock puller equipment. (k) Chip Key This device allows only the correct ignition key(s) to start the engine. The system prevents the motor vehicle from being started unless the key to the ignition enables the correct signal. The three types of systems that qualify are: (i) Transponder Immobile system: system must detect the proper transponder value from the chip in the key in order to start the engine. (ii) VATS/PASS-Key system: system must detect the proper resistance value in the key in order to start the engine. (iii) Passlock system: system must detect the proper R-code within the ignition lock or ignition switch to start the engine; this system does not have a chip in the key; the key turns the passlock cylinder which provides the R-code. Category IV Devices qualifying in this category receive 20% discounts. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entities regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Category V Devices qualifying in this category receive 25% discounts. Vehicle Recovery System with Unauthorized Movement Notification This is an electronic unit installed in a vehicle that is activated after that vehicle is moved without authorization. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Additionally, the device must provide personalized notification to the owner of a vehicle (or his or her authorized user) in the event of a potentially unauthorized movement of the owner s vehicle. Personalized notification shall mean notification delivered directly to the owner or his or her authorized user via automated communication, which is available beyond the proximity of the vehicle itself, to one or more devices designated in advance by the owner or his or her authorized user, such as to the owner s home telephone, mobile phone, electronic mail service, or wireless text messaging service. If maintaining the system in 52

74 TITLE MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX FORM NO. Agreed Amount Coverage Comprehensive MPY-0034-S Antique Auto M-0047-S Commonwealth of Massachusetts Employees Using Autos They Do Not Own in the Course of Their Employment M-0069-S Coverage for Anyone Renting an Auto to You M-0070-S Coverage for Customized Vans and Pick-ups MPY-0037-S Excess Electronic Equipment Coverage MPY-0041-S Federal Employees Using Autos They Do Not Own in the Course of Their Employment M-0049-S $100 Glass Deductible MPY-0039-S Guest Occupants Exclusion M-0002-S MA Mandatory Endorsement-Actual Cash Value Mobile Home Endorsement QM-M-0099-S MPY-0002-S Non-Renewal of Policy - Motorcycles, Recreational Vehicles and Trailers M-0103-S Operator Exclusion Form M-0106-S Original Equipment Manufacturer Parts Coverage MPY-0040-S Quincy Mutual Merit Rating Points/Accident forgiveness Quincy Mutual Amendatory Endorsement QMAF QMAE Quincy Mutual Auto Loan/Lease Coverage QMAL Quincy Mutual Enhancement Endorsement QMEE Replacement Cost Coverage For New Vehicles QMRC MA Restriction of PIP for Employers Subject to the Massachusetts Workers' Compensation Act M-0063-S Stated Amount Coverage MPY-0027-S Substitute Transportation Coverage - $45 Per Day, Maximum Limit $1,350 M-0105-S Suspension of Coverage and Reduction of Limits MPY-0032-S Transportation of Fellow Employees, Students or Others M-0004-S Trust Endorsement M-0107-S Use of Other Auto Vehicles Furnished or Available for Regular Use Use of Other Auto Vehicles Furnished or Available for Use As Public or Livery Conveyances M-0051-S M-0052-S Waiver of Deductible MPY-0016-S B-1

75 RULE 11. PREMIUM CALCULATION RULE The appropriate Rating Tier assignment must first be determined from Rule 26.1 A. This premium determination Rule applies separately to Private Passenger vehicles as defined in Rule 27. and to Motorcycles. For Miscellaneous type vehicles, refer to the Miscellaneous rate pages of the manual to calculate the premium. Once the Tier and type of vehicle is determined, follow the appropriate calculation rule below. A. Private Passenger Vehicles in Rating Tiers I-IV only Liability Coverages: Bodily Injury Liability (Part 1) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 1 manual rate page based upon the Tier, territory and classification for this coverage part. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Personal Injury Protection (Part 2) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 2 manual rate page based upon the Tier, territory and classification for this coverage part. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Multiply by the deductible % shown on the rate page for a deductible buy-back credit, if applicable. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Property Damage Liability (Part 4) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 4 manual rate page based upon the tier, territory, and classification. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Multiply by the increased limits factor shown on the rate page, if applicable. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 5 manual rate page based upon the tier, territory, classification. 4. Multiply by the appropriate tier factor from Rule B., round. 7

76 5. If increased limits are desired, skip steps 3 and 4 and instead take Part 1 base premium based upon tier, territory and classification and add to Part 5 base premium based upon tier, territory and classification. Take result and multiply by increased limit factors shown on the Part 5 rate page and then subtract Part 1 base. Round. 6. Multiply by the appropriate tier factor from Rule B. Round. 7. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Determine the Rating Tier Assignment from Rule A. 2. Determine the base premium from the Statewide manual rate page based upon the tier, and amount of coverage desired for these coverage parts. 3. Multiply by the appropriate tier factor from Rule B. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 7 manual rate page based upon the tier, territory, and classification. 4. Multiply by the appropriate tier factor from Rule B., round. 5. Refer to Rule 20. to determine the model year of the auto. 6. For Model Years 2010 and Prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 7. Multiply by the appropriate Model Year/Symbol factor shown in the model year/symbol pages or the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group pages for this coverage part. Round. (Refer to Rule 22. to determine the base premium for rating vehicles for which a symbol is not shown on the rate pages.) (Refer to Rule 21.B. to determine the base premium for rating vehicles not assigned a Vehicle Rating Group.) 8. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine premium for change in deductible provision. Round. 9. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 6% of the Collision base premium for the same model year and symbol (for model years 2010 and prior) or the same model year and Vehicle Rating Group (for model years 2011 and greater with policy effective dates on or after ) for the $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Determine the base premium from the manual rate page based upon the tier, and territory. 3. Multiply by the appropriate tier factor from Rule B., Round. 4. Refer to Rule 20. to determine the model year of the auto. 8

77 5. For Model Years 2010 and Prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 6. Refer to Rule 20. to determine the base premium for rating vehicles for which a model year is not displayed on the rate pages. 7. Refer to Rule 22. to determine the base premium for rating vehicles for which a symbol is not shown on the rate pages. (Refer to Rule 21 to determine the base premium for rating vehicles not assigned a Vehicle Rating Group.) 8. Multiply by the appropriate Model Year/Symbol factor shown in the model year/symbol pages or the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group pages for this coverage part. Round. 9. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine premium for change in deductible provision. Round. 10. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to the Statewide Rate pages by tier to determine base premium. The charge is per vehicle based upon the desired coverage limit. 2. Multiply the premium determined above by the tier factor for Rule B and then by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 49. Named Non Owner. See Rule 50. Use of Other Automobiles. B. Private Passenger Vehicles in Rating Tier V. Liability Coverages Bodily Injury Liability (Part 1) and Personal Injury Protection (Part2) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the manual rate page based upon the tier, territory and classification for these coverage parts. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Property Damage Liability (Part 4) and Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the manual rate page based upon the tier, territory, classification and amount of coverage desired for these coverage parts. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative 9

78 order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Determine the base premium from the manual rate page based upon the tier, territory and amount of coverage desired for these coverage parts. 3. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the rating worksheet on page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle. 3. Determine the base premium from the Part 7 manual rate page based upon the tier, territory, and classification. 4. Refer to Rule 20. to determine the model year of the auto. 5. For Model Years 2010 and prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 6. Multiply by the appropriate Model Year/Symbol factor shown in the model year /symbol pages or the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group Pages for this coverage part. Round.(Refer to Rule 22 to determine the base premium for rating vehicles for which a symbol is not shown on the page. (Refer to Rule 21. B. to determine the base premium for rating vehicles not assigned a Vehicle Rating Group.) 7. Refer to Rule 20. to determine the base premium for rating vehicles for which a model year is not displayed on the rate pages. 8. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine the premium for change in the deductible provision. Round. 9. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 6% of the Collision base premium for the same model year and symbol or the same model year and Vehicle Rating Group for the $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier by territory. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged. 2. Determine the base premium from the manual rate page based upon the tier, and territory. 3. Refer to Rule 20. to determine the model year of the auto. 4. For Model Years 2010 and prior, refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto. For Model Years 2011 and after, refer to the AIB Vehicle Rating Group Program to determine the appropriate Vehicle Rating Group of the auto. 5. Refer to Rule 20. to determine the base premium for rating vehicles for which a model year is not displayed on the rate pages. 6. Refer to Rule 22. to determine the base premium for rating vehicles for which a symbol is not shown on the rate pages. Refer to Rule 21.B. to determine the base premium for rating vehicles not assigned a Vehicle Rating Group. 10

79 7. Multiply by the appropriate Model year/symbol factor shown in the Model/Year Symbol pages or by the appropriate Model Year/VRG factor from the Model Year/Vehicle Rating Group pages for this coverage part. Round. 8. The costs to reduce the deductible and credits to increase the deductible are shown on the rate page. If applicable, determine premium change in deductible provision. Round. 9. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to Statewide rate pages by tier to determine base premium. The charge is per vehicle for automobiles and motorcycles based upon the desired coverage limit. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-2 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 49. Named Non Owner. See Rule 50. Use of Other Automobiles. C. Motorcycles Tiers I-V Liability Coverages: Bodily Injury Liability (Part 1), Personal Injury Protection (Part2) and Property Damage (Part 4) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual motorcycle rate page based upon the tier, territory and group classification for these coverage parts. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our Motorcycle rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual motorcycle rate page based upon the tier, territory, group classification and whether or not guest coverage will be provided. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. 11

80 Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Determine the base premium from the manual motorcycle rate page based upon the tier, group classification and amount of coverage desired for these coverage parts. 2. Multiply by the appropriate tier factor from Rule 26.1.B. Round. 3. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value as original cost new in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory.round. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply by MC Age Factor. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 8% of the Collision base premium for the same $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier by territory. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory. Round. 4. Multiply by the appropriate tier factor from Rule B. Round. 5. Multiply by MC Age Factor. Round. 6. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to Motorcycle Miscellaneous rate pages by tier to determine base premium. The charge is per vehicle for automobiles and motorcycles based upon the desired coverage limit. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-3 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 49. Named Non Owner. See Rule 50. Use of Other Automobiles. C. Motorcycles Tier-V Liability Coverages: Bodily Injury Liability (Part 1), Personal Injury Protection (Part2) and Property Damage (Part 4) 12

81 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual rate page based upon the tier, territory and group classification for these coverage parts. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our Motorcycle rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/ class 15 discount. Optional Bodily Injury (Part 5) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Refer to group definitions on the rate pages to determine the appropriate group classification applicable to each motorcycle. 3. Determine the base premium from the manual rate page based upon the tier, territory, group classification and whether or not guest coverage will be provided. 4. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Bodily Injury caused by an Uninsured Auto (Part 3), Bodily Injury caused by an Underinsured Auto (Part 12), and Medical Payments Coverage (Part 6). 1. Determine the base premium from the manual rate page based upon the tier, group classification and amount of coverage desired for these coverage parts. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Physical Damage Coverages: Collision (Part 7) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory. Round. 4. Multiply by MC Age Factor. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Limited Collision (Part 8) Follow instructions for rating collision coverage above and charge 8% of the Collision base premium for the same $500 deductible option. The cost to reduce the deductible is shown on the rate page by tier by territory. Comprehensive (Part 9) 1. Refer to the Territory Definition pages to determine the territory code for the location where the motorcycle is principally garaged. 2. Determine the motorcycle s value in hundreds of dollars. 3. Multiply the value determined by the rate per $100 for its tier and territory. Round. 4. Multiply by MC Age Factor. Round. 5. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. 13

82 Substitute Transportation (Part 10) and Towing and Labor (Part 11) 1. Refer to Miscellaneous rate pages by tier to determine base premium. The charge is per vehicle for automobiles and motorcycles based upon the desired coverage limit. 2. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on our rating worksheet, page RW-4 of this manual. Premiums are calculated in the consecutive, cumulative order shown on the worksheet. Premiums are rounded after each step except after the age 65/class 15 discount. Exceptions: See Rule 32. and Miscellaneous rate pages for premium calculation of Non-Symbolled or Non-Specific Vehicle Rating Group Pickups. See Rule 34. and Miscellaneous rate pages for premium calculation of Trailers. See Rule 39. and Miscellaneous rate pages for premium calculation of Motor Homes. See Rule 40. and Miscellaneous rate pages for premium calculation of Antique Motor Cars and Motorcycles. See Rule 43. and Miscellaneous rate pages for premium calculation of Low Speed vehicles. See Rule 46. and Miscellaneous rate pages for premium calculation of Excess Electronic Equipment Coverage. See Rule 49. Named Non Owner. See Rule 50. Use of Other Automobiles. RULE 12. WHOLE DOLLAR PREMIUM RULE The premium for each exposure shall be rounded at each step to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving $0.50 or more shall be rounded to the next whole dollar at the end of each step. This does not apply to Part 5, 20/40 limits and Part 6, $5,000 limit where rates displayed in the manual may be used or rounded to the lower whole dollar. This procedure shall apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company, the return premium may be carried to the next higher whole dollar. NOTE: The premium for each exposure means the premium developed for each coverage for each automobile after the application of all applicable discounts. RULE 13. INSTALLMENT PAYMENT OF PREMIUMS All motor vehicle insurance policy premium charges are due and payable on the effective date of the policy, subject to the provisions of the Deposit Premium Rule (Rule 14), unless an installment payment plan is used. RULE 14. DEPOSIT PREMIUM RULE A company, its producer or any broker may require deposit premium prior to the issuance of a policy provided the per vehicle deposit does not exceed 30% of the applicable annual premium for the insurance requested. If the applicant has been in default in the payment of any premium for automobile insurance or merit rating adjustment during the preceding 24 months, the entire policy premium charges are payable in advance. RULE 15. EMPLOYERS SUBJECT TO MASSACHUSETTS WORKERS COMPENSATION ACT Motor vehicles owned by an employer subject to the Massachusetts workers compensation law not used at any time to transport persons other than employees of the named insured shall be eligible for a 25% reduction in the Personal Injury Protection premium otherwise applicable. A vehicle which qualifies for this reduction is not eligible for any Personal Injury Protection deductible. RULE 16. DEDUCTIBLES - PARTS 7, 8 and 9 Deductibles, higher than the standard deductible, are available for Collision, Limited Collision and Comprehensive Coverages. Refer to Rate pages for parts 7, 8, and 9 by Tier for applicable factors. RULE 17. SUBSTITUTE TRANSPORTATION The charges for this coverage are on a per vehicle/per year basis for automobiles and motorcycles. Refer to the Statewide rate pages by Tier for applicable limits and premiums. 14

83 PRIVATE PASSENGER FORMS Title Massachusetts Automobile Insurance policy Quincy Mutual Application for Massachusetts Motor Vehicle Insurance Quincy Mutual Coverage Selections Page Quincy Mutual Massachusetts Renewal Form Quincy Mutual Annual Mileage Discount Form Quincy Mutual Motor Vehicle Quoting Form Quincy Mutual Notice of Mandatory Pre-Insurance Inspection Requirement Form B Quincy Mutual Notice of Suspension Form C Quincy Mutual Notice of Mandatory Pre-Insurance Inspection Requirement Form D Quincy Mutual Reason for Exempt/Waiver of Pre-Insurance Inspection Quincy Mutual Merit Rating Plan Statement Edition 04/2008 Ed. 04/2012 Ed. 0410/20113 Ed. 0410/2013 Ed. 04/2008 Ed. 04/2009 Ed. 04/2008 Ed. 04/2008 Ed. 04/2008 Ed. 04/2008 Ed. 04/2009 Ed. Application for Benefits Personal Injury Protection Massachusetts Motor Vehicle Liability Bond Statutory Notice of Cancellation of the Massachusetts Motor Vehicle Liability Policy Legal Notice of Non-Renewal of Your Massachusetts Automobile Insurance Policy Notice of Transfer of Insurer B-2

84 Qualifying Massachusetts Transit Systems The following transit systems have been approved by the Commissioner of Insurance for inclusion in the Public Transit Discount (Rule 19). Approved As Of American Eagle Motor Coach, Inc. February 1, 1981 (formerly Medeiros Bus Co., Inc.) Andre Coachlines, Inc. January 1, 1984 Arrow Line, Inc., The January 1, 1980 Bay State Spray & Provincetown February 1, 1981 Berkshire Regional Transit Authority January 1, 1982 Bloom s Bus Line December 1, 1980 Bonanza Bus Lines, Inc. September 1, 1983 Brockton Area Transit Authority January 1, 1979 Brush Hill Transportation Co. October 15, 1992 Burlington Transportation Bus October 15, 1992 (The People Mover/The B Line) Cape Cod Regional Transit Authority May 18, 1992 Carey s Bus Lines, Inc. November 1, 1986 Coach Company, The (Kinson Bus Lines) January 1, 1985 Connecticut Transit Authority (CTTRANSIT) September 7, 1993 Dee Bus Service January 1, 1982 Drummond, H.T., Inc. January 1, 1985 Edmar Limousine Service, The May 21, 1998 Gray Line Framingham Commuter Corp. January 1, 1980 Greater Attleboro - Taunton Regional Transit Authority January 1, 1982 Greenfield Montague Transit Authority January 1, 1979 Hingham/Boston Commuter Boat Service January 1, 1979 Interstate Coach January 1, 1980 Kinson Bus Lines (The Coach Company) January 1, 1985 Lexpress January 1, 1982 Logan Express January 29, 1996 Lowell Regional Transit Authority January 1, 1980 Massachusetts Bay Transit Authority (includes The Ride) January 1, 1979 Mass Rides February 1, 2004 Merrimack Valley Regional Transit Authority May 1, 1983 Montachusett Regional Transit Authority January 1, 1980 Peter Pan Bus Lines, Inc. August 15, 1988 (formerly Priority Express) Pioneer Valley Transit Authority January 1, 1979 Plymouth & Brockton Street Railway Co. January 1, 1980 Rabbit Transit, Inc. January 1, 1982 Trombly Motor Coach Service, Inc. January 1, 1980 Vocell Co., Inc. January 1, 1980 Worcester Gray Line, Inc. January 1, 1980 Worcester Regional Transit Authority January 1, 1980 Yankee Line, Inc., A March 13, 1991 B-3

85 SECTION II - PRIVATE PASSENGER AUTOMOBILES RULE 27. PRIVATE PASSENGER DEFINITION A. A motor vehicle of the private passenger or station wagon type that is owned or leased under contract for a continuous period of at least twelve months by one or more individuals, excluding (1) partnerships, (2) corporations, (3) unincorporated business associations, and (4) other legal business entities with a federal employer identification number, and is not used as a public or livery conveyance nor rented to others. A vehicle which meets the conditions of Rule 31, regarding the transportation of fellow employees, students or others for consideration, is included in this definition, provided such vehicle is not registered for carrying passengers for hire. B. A motor vehicle that is a pick-up or van, that is owned or leased under contract for a continuous period of at least 12 months by one or more individuals, excluding (1) partnerships, (2) corporations, (3) unincorporated business associations, and (4) other legal business entities with a federal employer identification number, and 1. has a gross vehicle weight rating of less than 10,000 pounds or has a rating symbol assigned to it (for model years 2010 and prior) by the Insurance Services Office (ISO) or a Vehicle Rating Group (for model years 2011 and greater)by the Automobile Insurers Bureau (AIB), and 2. is not used for the delivery or transportation of goods or materials unless such use is incidental to the insured s business of installing, maintaining or repairing furnishings or equipment. C. Gross Vehicle Weight Rating means the value specified by the manufacturer as the loaded weight of a single vehicle. D. At the option of the company, an eligible vehicle under this rule whose title has been transferred to a trust may be written under the Massachusetts Automobile Insurance Policy, subject to the following requirements: the grantor of the trust must be an individual or lawfully married individuals residing in the same household, and must be the only insured(s) named in Item 1 of the Coverage Selections Page. All vehicle(s) insured under the policy must be owned by the trust. A vehicle owned by a trust in which the grantor is a partnership or corporation must be written under a commercial auto policy. If a motor vehicle is leased as described in the foregoing paragraphs, and the lessee is obtaining the insurance, the policy must be issued to the lessee as named insured and Endorsement M-0070-S, Coverage For Anyone Renting An Auto To You, must be attached to the policy. RULE 28. PRIVATE PASSENGER CLASSIFICATIONS A. Operator Classes *10 Experienced Operator- (Tier V only)- The operator has been licensed at least 6 yrs and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. *11 Experienced Operator-The Operator has been licensed at least 6 yrs but less than 10 and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class 10 in Tier V. *12 Experienced Operator-The Operator has been licensed at least 10 years but less than 15 and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class10 in Tier V. *13 Experienced Operator-The Operator has been licensed at least 15 years but less than 20 and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class 10 in Tier V. *14 Experienced Operator-The Operator has been licensed at least 20 years and is under the age of 65 and the automobile is not used in the occupation, profession or business of the insured. This is Class 10 in Tier V. 33

86 *15 Experienced Operator - age sixty-five or more. The operator has been licensed at least six years and is sixty-five years of age or more and the automobile is not used in the occupation, profession or business of the insured. *17 Inexperienced Principal Operator - licensed three or more years. The operator of the automobile has been licensed at least three years and less than six years and is the principal operator of the automobile. *18 Inexperienced Occasional Operator - licensed three or more years. The operator has been licensed at least three years and less than six years and is not the principal operator of the automobile. *20 Inexperienced Principal Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. *21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. *25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. *26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. *30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. * For the purposes of determining driver classification, Ddriving experience is initially determined by the number of full or partial years that the operator has held a valid United States license driver s license either at the time the policy is issued., or at the time a driver is initially endorsed onto a policy. Driving experience is updated, and driver classification changed, upon achieving the anniversary of the date first licensed. In the event that an operator s driving privileges have ever been suspended or revoked due to driving related offenses, for a period of three or more years, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating adjustment) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (In Tiers I-IV the automobile s Class 14 premium, in Tier V the Class 10 premium, for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; 34

87 ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 15 and that operator s merit rating adjustment shall be applied. However, if more than one listed operator is age 65 or over, Class 15 and the merit rating adjustments of the Class 15 operators shall be applied in the manner which produces the highest Combined Premium. iii If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). In order to qualify for deferral status, we will verify inforce coverage of another Massachusetts Private Passenger Automobile policy through the Registry of Motor Vehicles records. If unable to verify through the Registry, we will accept an inforce copy of coverage from the agent or producer. iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. c. An inexperienced operator in active military service with the Armed Forces of the United States of America shall not be considered an operator of the automobile unless such individual customarily operates the automobile. d. Private passenger automobiles owned by clergy are to be classified as Class 11,12,13,14 or 15 in Tiers I-IV or Class 10 in Tier V, unless (a) Class 30 is required due to business use other than in connection with church use or (b) an inexperienced operator is listed on the policy. 2. Excluded Operator If an operator who is a member of the household is to be excluded in rating a particular automobile to produce a lower premium charge, the policyholder must submit a signed statement that such operator does not and will not operate the automobile to be insured. The signed statement must be on the Operator Exclusion Form, M-0106-S. If any operator excluded as a result of such signed statement operates the automobile, the appropriate operator classification premium for the full policy period may be charged unless a collision or limited collision claim has been denied in accordance with the provisions of the policy because the excluded operator was driving the automobile at the time of the accident. 3. Driving Experience An operator new to Massachusetts must provide evidence of licensure from the state or country where the operator was previously licensed in order to assign the correct operator classification under this rule. If electronically available, the company will be responsible for obtaining the motor vehicle operator report from the other state or country. If necessary, a certified English translation may be required. No operator shall be assigned to Class 11,12,13, or 14 in Tiers I-IV or Class 10 in Tier V, unless the operator has six or more years of driving experience. The classification assigned to the operator is based on the number of years licensed in the other state or country and the completion of driver training, as established by the evidence of licensure. If no evidence of prior licensure is available, the operator may be assigned to Class 20 (inexperienced principal operator, 35

88 licensed less than three years, no driver training) or Class 21 (inexperienced occasional operator, licensed less than three years, no driver training). The Massachusetts driving experience will be used thereafter to assign the operator classification. 4. Operator Use Operators will be classified by the amount of use of an insured automobile: Principal Operator a person who has an operator s license and operates the insured automobile more than any other listed operator as determined by the percentage of use of the automobile. Occasional Operator a person who has an operator s license and operates the insured automobile less than the principal operator. C. Classification Changes Classification of each automobile shall be determined by the facts existing as of the effective date of the policy. Premium adjustments shall be made on a pro rata basis if changes occur during the policy period. D. Satisfactory Driver Training Program 1. Completion and receipt of a certificate under the Massachusetts Driver Education Program prescribed by the Registrar of Motor Vehicles, or 2. The presenting of satisfactory evidence (certificate signed by school officials) that such operators have successfully completed a driver education course in a state other than Massachusetts meeting the following standards: a. The course had the official approval of the State Department of Education or other responsible state agency, and was conducted by: (1) a recognized secondary school, college or university, or (2) other school approved and supervised by the State Department of Education or other responsible state agency. b. The course was conducted by instructors certified by the State Department of Education or other responsible state agency. c. The course was composed of a minimum of thirty clock hours for classroom instruction, plus a minimum of twelve clock hours per student in the practice driving phase. RULE 29. RESERVED FOR FUTURE USE RULE 30. PERSONAL INJURY PROTECTION - DEDUCTIBLE FORM The policyholder, at his or her option, may elect an amount to be deducted from the amounts otherwise due each person subject to the deduction, under the following conditions: 1. The option of electing a deductible shall be limited to individual insureds and shall apply only to private passenger vehicles as defined in this Section and motor homes owned by such insureds. 2. The eligible policyholder may select a deductible amount of $100, $250, $500, $1,000, $2,000, $4,000 or $8,

89 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 1 - Bodily Injury Part 2 - PIP Experienced Operators Experienced Operators Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $10 $8 $13 $12 1 $1 $1 $1 $1 2 $10 $8 $14 $13 2 $1 $1 $2 $1 3 $11 $9 $14 $13 3 $1 $1 $2 $1 4 $12 $10 $16 $15 4 $1 $1 $2 $2 5 $13 $11 $18 $16 5 $1 $1 $2 $2 6 $14 $11 $19 $17 6 $2 $1 $2 $2 7 $15 $12 $20 $18 7 $2 $1 $2 $2 8 $14 $11 $18 $17 8 $2 $1 $2 $2 9 $14 $11 $19 $17 9 $2 $1 $2 $2 10 $19 $15 $25 $23 10 $2 $2 $3 $3 11 $18 $14 $24 $22 11 $2 $2 $3 $2 12 $21 $17 $29 $26 12 $2 $2 $3 $3 13 $21 $17 $28 $26 13 $2 $2 $3 $3 14 $24 $19 $33 $30 14 $3 $2 $4 $3 15 $37 $29 $50 $45 15 $4 $3 $6 $5 16 $45 $36 $60 $55 16 $5 $4 $7 $6 17 $33 $26 $44 $40 17 $4 $3 $5 $5 18 $33 $26 $44 $40 18 $4 $3 $5 $5 19 $33 $26 $44 $40 19 $4 $3 $5 $5 20 $33 $26 $44 $40 20 $4 $3 $5 $5 21 $33 $26 $44 $40 21 $4 $3 $5 $5 22 $33 $26 $44 $40 22 $4 $3 $5 $5 23 $33 $26 $44 $40 23 $4 $3 $5 $5 24 $33 $26 $44 $40 24 $4 $3 $5 $5 25 $33 $26 $44 $40 25 $4 $3 $5 $5 26 $33 $26 $44 $40 26 $4 $3 $5 $5 27 $8 $7 $11 $10 27 $1 $1 $1 $1 40 $23 $18 $31 $28 40 $3 $2 $3 $3 41 $24 $19 $32 $30 41 $3 $2 $4 $3 42 $35 $28 $47 $43 42 $4 $3 $5 $5 43 $32 $26 $43 $40 43 $4 $3 $5 $4 44 $39 $31 $52 $48 44 $4 $3 $6 $5 45 $33 $26 $45 $41 45 $4 $3 $5 $5 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: Group A B C D Vehicle size 0 c.c. to 100 c.c. 101 c.c. to 350 c.c. 351 c.c. to 650 c.c. 651 c.c. and over (4) Apply the approriate Tier Factor from Rule B (5) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 MC-I-IV-1

90 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 5 - Optional BI Rates at Basic limits Experienced Operators Experienced Operators With Guest Without Guest Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $13 $10 $17 $14 1 $2 $3 $4 $5 2 $14 $10 $18 $15 2 $2 $3 $4 $6 3 $14 $10 $18 $16 3 $2 $3 $5 $6 4 $16 $12 $20 $17 4 $3 $4 $5 $6 5 $18 $13 $23 $19 5 $3 $4 $6 $7 6 $19 $14 $24 $20 6 $3 $5 $6 $8 7 $20 $14 $25 $21 7 $3 $5 $6 $8 8 $18 $13 $23 $20 8 $3 $4 $6 $7 9 $19 $14 $24 $20 9 $3 $5 $6 $8 10 $25 $18 $32 $27 10 $4 $6 $8 $10 11 $24 $17 $30 $26 11 $4 $6 $8 $10 12 $29 $21 $36 $31 12 $5 $7 $9 $12 13 $28 $20 $36 $31 13 $5 $7 $9 $11 14 $33 $23 $42 $35 14 $5 $8 $11 $13 15 $49 $36 $63 $54 15 $8 $12 $16 $20 16 $60 $43 $76 $65 16 $10 $14 $19 $24 17 $44 $31 $56 $48 17 $7 $11 $14 $18 18 $44 $31 $56 $48 18 $7 $11 $14 $18 19 $44 $31 $56 $48 19 $7 $11 $14 $18 20 $44 $31 $56 $48 20 $7 $11 $14 $18 21 $44 $31 $56 $48 21 $7 $11 $14 $18 22 $44 $31 $56 $48 22 $7 $11 $14 $18 23 $44 $31 $56 $48 23 $7 $11 $14 $18 24 $44 $31 $56 $48 24 $7 $11 $14 $18 25 $44 $31 $56 $48 25 $7 $11 $14 $18 26 $44 $31 $56 $48 26 $7 $11 $14 $18 27 $11 $8 $14 $12 27 $2 $3 $4 $4 40 $31 $22 $39 $33 40 $5 $7 $10 $12 41 $32 $23 $41 $35 41 $5 $8 $10 $13 42 $47 $34 $60 $51 42 $8 $11 $15 $19 43 $43 $31 $55 $47 43 $7 $10 $14 $17 44 $52 $37 $66 $57 44 $8 $13 $17 $21 45 $45 $32 $57 $48 45 $7 $11 $14 $18 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: Rates at increased limits Factor Group Vehicle size 25/ A 0 c.c. to 100 c.c. 25/ B 101 c.c. to 350 c.c. 50/ C 351 c.c. to 650 c.c. 100/ D 651 c.c. and over 250/ (4) Apply the appropriate Tier factor from Rule B 300/ (5) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 The implicit surcharge exclusion factor for Part 5 increased limits for motorcycles is 1.00 MC-I-IV-2

91 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 4 - Property Damage Rates at Basic limits Part 4 Increased Limit Factors Part 6 - Medical Payments Rates by limit Experienced Operators Limit Factor All Territories Limit per Territory Group A Group B Group C Group D $5, person All Groups 1 $12 $10 $17 $15 $10, $500 $67 2 $12 $10 $16 $15 $15, $750 $73 3 $13 $11 $18 $16 $20, $1,000 $77 4 $14 $11 $19 $18 $25, $2,000 $95 5 $16 $13 $22 $20 $30, $5,000 $137 6 $16 $13 $22 $20 $35, $10,000 $199 7 $17 $13 $22 $20 $40, $15,000 $247 8 $18 $14 $24 $22 $45, $20,000 $284 9 $21 $17 $29 $26 $50, $25,000 $ $21 $16 $28 $25 $75, $50,000 $ $22 $17 $29 $26 $80, $26 $20 $34 $31 $100, Part 3 - Uninsured Motorists 13 $29 $23 $39 $35 Rates by limit 14 $32 $25 $42 $39 15 $32 $25 $43 $39 All Territories 16 $34 $27 $45 $41 Limit All Groups 17 $42 $33 $56 $51 20/40 $23 18 $42 $33 $56 $51 20/50 $24 19 $42 $33 $56 $51 25/50 $25 20 $42 $33 $56 $51 35/80 $27 21 $42 $33 $56 $51 50/100 $31 22 $42 $33 $56 $51 100/300 $36 23 $42 $33 $56 $51 250/500 $41 24 $42 $33 $56 $51 500/500 $52 25 $42 $33 $56 $51 500/1000 $62 26 $42 $33 $56 $51 27 $11 $9 $15 $14 Part 12 - Underinsured Motorists 40 $20 $16 $27 $24 Rates by limit 41 $33 $26 $44 $40 42 $30 $24 $40 $36 All Territories 43 $32 $25 $43 $39 Limit All Groups 44 $28 $22 $38 $34 20/40 $0 45 $32 $26 $43 $39 20/50 $1 25/50 $6 35/80 $19 Notes: 50/100 $37 (1) Motorcycle territory definitions are the 100/300 $91 same as for private passenger automobiles. 250/500 $302 (2) Rates for inexperienced operators are 500/500 $533 calculated by applying a factor of 1.50 to 500/1000 $764 the experienced operators rates above. (3) Group definitions are as follows: (4) Apply the appropriate Tier Factor form Rule 26.1.B., 26.2 (5) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 Group A B C D Vehicle size 0 c.c. to 100 c.c. 101 c.c. to 350 c.c. 351 c.c. to 650 c.c. 651 c.c. and over Notes: (1) Rates for Parts 3, 6, and 12 are the same for experienced and inexperienced operators. MC-I-IV-3

92 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 7 - Collision Rates at $500 deductible Part 7 - Collision Other deductibles Rate per $100 of value* Experienced Deductible Operators $300 Territory All Groups $1,000 1 $1.64 $2,000 2 $ $ $ $ $ $2.51 All Territories 8 $2.70 Deductibl All Groups 9 $3.06 $300 $6 10 $3.34 $500 $8 11 $2.88 $1,000 $11 12 $3.75 $2,000 $16 13 $ $ $6.78 Part 8 - Limited Collision 16 $ $6.37 $500 deductible base premium (Part 8) = 18 $6.37 (6.0%) x [$500 deductible Collision base premium (Part 7)] 19 $ $6.37 Deductible All Groups 21 $6.37 $0 $500 deductible premium (Part 8) + $5 22 $6.37 $300 $500 deductible premium (Part 8) + $3 23 $6.37 $1, % of $500 deductible premium (Part 8) 24 $6.37 $2, % of $500 deductible premium (Part 8) 25 $ $ $1.46 Motorycle Age Factors 40 $ $3.78 Age Based on Collision 42 $4.79 Group Model Year (MY) ** Factor 43 $ Current MY $ st Preceding $ nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other ** The current model year changes October 1, regardless of the actual date the models are introduced. * Determine motorcycle Collision rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Apply the appropriate Tier factor from Rule 26.1.B. (d) Multiply the base manual premium determined in (b) by the Age Rate Factor. (e) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 A minimum value of $1,800 applies to vehicle sizes 651 c.c. and over. Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Rates are per $100 of insured value. All Territories All Groups $500 deductible premium + $ % of $500 deductible premium 57.0% of $500 deductible premium Part 7 - Collision Waiver of Deductible Charges MC-I-IV-4

93 Quincy Mutual Fire Insurance Company MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Part 9 - Comprehensive Rates at $500 deductible Part 9 - Comprehensive Other deductibles Rate per $100 of value* Territory All Groups Deductible 1 $0.80 $300 2 $0.72 $1,000 3 $0.84 $2,000 4 $0.98 $100 Glass Ded 5 $ $ $ $ $ $2.51 Fire 11 $2.44 Theft 12 $ $ $ $ $ $ $ $ $10.41 Age 21 $10.41 Group 22 $ $ $ $ $ $ $ $ $4.36 All Territories All Groups $500 deductible premium + $1 61.1% of $500 deductible premium 55.8% of $500 deductible premium 84% of $500 deductible premium Charge 5% of the motorcycle Comprehensive premium Charge 90% of the motorcycle Comprehensive premiu Motorycle Age Factors Based on Comprehensive Model Year (MY) ** Factor Current MY st Preceding nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other $4.78 ** The current model year changes October 1, regardless of the actual date 44 $6.37 the models are introduced. 45 $4.57 * Determine motorcycle Comprehensive rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Apply the appropriate Tier Factor from Rule 26.1.B (d) Multiply the base manual premium determined in (b) by the Age Rate Factor. (e) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-3 A minimum value of $1,800 applies to vehicle sizes 651 c.c. and over. Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for Part 9 are the same for experienced and inexperienced operators. (3) Rates are per $100 of insured value. MC-I-IV-5

94 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Manual Rates Approved Motorcycle Training Sites Rider Education Recognition Program (RERP) Number Bristol Community College, Fall River (61347) Central Mass Safety Council, West Boylston (60055) Hanscomb AFB, Bedford (61141) Motorcycle Safe Riding Project, Beverly (60050) (Formerly listed as Cycles 128) Northern Essex Community College, Haverhill (61348) Otis ANGB, Cape Cod (60758) Riverside Kawasaki, Hanscomb AFB in Bedford (61350) Safety Council of Western Mass, Dalton (61277) South Weymouth NAS, South Weymouth (60690) Westfield State College, Westfield (61349) Those who participate in motorcycle rider education courses in any other location are also eligible for the 10% reduction, given the course is approved by the Motorcycle Safety Foundation. If courses are taken out of state, they must be Motorcycle Safety Foundation certified and adhere to Governor s Highway Safety Bureau rules and regulations on file at the Secretary of State s office. MC-I-IV-6

95 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Motorcycle Rates Tiers I-IV Miscellaneous Rates Substitute Transportation (Part 10) Towing and Labor $15/day with $450 maximum $45 $50/day per disablement $8 $30/day with $900 maximum $90 $100/day per disablement $16 $45/day with $1,350 maximum $167 $100/day with $3000 maximum $346 Discount (Rule 44) Discount Amount Coverage Motorcycle Rider Training Program (Rule 44) 10% Parts 1-8, 12 Anti-Theft - Category IV 20% Part 9 Insured Age 65 or older 25% All Parts Early Issue 5% All Parts Account Credit 10% All Parts One Pay Plan Discount 5% All Parts Qualified Book Transfer Credit 4% All Parts Age Rate Factors For rating motorcycle physical damage coverages, see manual rate page for Age Rate Factors to be applied to the base manual premium of the motorcycle. Merit Rating Plan Rates for Parts 1, 2, 4, 5 and 7 are base rates (i.e. at the point/zero credit level, or prior to the application of any merit rating plan credits or surcharges). The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Inexperienced Operator Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operator rates. Inexperienced rating factors apply to coverage Parts 1, 2, 4, 5, 7, and 8. Premium Calculation Rule (See Rule 11. for additional detail by vehicle type, tier and coverage) Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. The premium for each exposure shall be rounded to the nearest whole dollar at the end of each step. (Rounding should occur after the application of each discount, except after the senior discount) 1) Determine the base manual premium 2) Apply appropriate Tier Factor from Rule 26.1.B. 3) Apply the Age Rate Factor (for physical damage coverages) 4) Apply adjustments for increased limits or deductibles 5) Add waiver of deductible charges 6) Apply the inexperienced operator factor 7) Apply discounts in the following order: anti-theft, account credit, driver training, senior citizen order as shown on the motorcyle rating worksheet, page RW-3. 8) Apply Merit Rating credits or surcharges Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2008 MC-I-IV-7

96 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 1 - Bodily Injury Part 2 - PIP Experienced Operators Experienced Operators Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $10 $8 $13 $12 1 $1 $1 $1 $1 2 $10 $8 $14 $13 2 $1 $1 $2 $1 3 $11 $9 $14 $13 3 $1 $1 $2 $1 4 $12 $10 $16 $15 4 $1 $1 $2 $2 5 $13 $11 $18 $16 5 $1 $1 $2 $2 6 $14 $11 $19 $17 6 $2 $1 $2 $2 7 $15 $12 $20 $18 7 $2 $1 $2 $2 8 $14 $11 $18 $17 8 $2 $1 $2 $2 9 $14 $11 $19 $17 9 $2 $1 $2 $2 10 $19 $15 $25 $23 10 $2 $2 $3 $3 11 $18 $14 $24 $22 11 $2 $2 $3 $2 12 $21 $17 $29 $26 12 $2 $2 $3 $3 13 $21 $17 $28 $26 13 $2 $2 $3 $3 14 $24 $19 $33 $30 14 $3 $2 $4 $3 15 $37 $29 $50 $45 15 $4 $3 $6 $5 16 $45 $36 $60 $55 16 $5 $4 $7 $6 17 $33 $26 $44 $40 17 $4 $3 $5 $5 18 $33 $26 $44 $40 18 $4 $3 $5 $5 19 $33 $26 $44 $40 19 $4 $3 $5 $5 20 $33 $26 $44 $40 20 $4 $3 $5 $5 21 $33 $26 $44 $40 21 $4 $3 $5 $5 22 $33 $26 $44 $40 22 $4 $3 $5 $5 23 $33 $26 $44 $40 23 $4 $3 $5 $5 24 $33 $26 $44 $40 24 $4 $3 $5 $5 25 $33 $26 $44 $40 25 $4 $3 $5 $5 26 $33 $26 $44 $40 26 $4 $3 $5 $5 27 $8 $7 $11 $10 27 $1 $1 $1 $1 40 $23 $18 $31 $28 40 $3 $2 $3 $3 41 $24 $19 $32 $30 41 $3 $2 $4 $3 42 $35 $28 $47 $43 42 $4 $3 $5 $5 43 $32 $26 $43 $40 43 $4 $3 $5 $4 44 $39 $31 $52 $48 44 $4 $3 $6 $5 45 $33 $26 $45 $41 45 $4 $3 $5 $5 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: (4) Apply applicable discounts in the order as shown on the motorcycle rating worksheet, Page RW-4. Group Vehicle size A 0 c.c. to 100 c.c. B 101 c.c. to 350 c.c. C 351 c.c. to 650 c.c. D 651 c.c. and over Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-70

97 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 5 - Optional BI Rates at Basic limits Experienced Operators Experienced Operators With Guest Without Guest Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D 1 $13 $10 $17 $14 1 $2 $3 $4 $5 2 $14 $10 $18 $15 2 $2 $3 $4 $6 3 $14 $10 $18 $16 3 $2 $3 $5 $6 4 $16 $12 $20 $17 4 $3 $4 $5 $6 5 $18 $13 $23 $19 5 $3 $4 $6 $7 6 $19 $14 $24 $20 6 $3 $5 $6 $8 7 $20 $14 $25 $21 7 $3 $5 $6 $8 8 $18 $13 $23 $20 8 $3 $4 $6 $7 9 $19 $14 $24 $20 9 $3 $5 $6 $8 10 $25 $18 $32 $27 10 $4 $6 $8 $10 11 $24 $17 $30 $26 11 $4 $6 $8 $10 12 $29 $21 $36 $31 12 $5 $7 $9 $12 13 $28 $20 $36 $31 13 $5 $7 $9 $11 14 $33 $23 $42 $35 14 $5 $8 $11 $13 15 $49 $36 $63 $54 15 $8 $12 $16 $20 16 $60 $43 $76 $65 16 $10 $14 $19 $24 17 $44 $31 $56 $48 17 $7 $11 $14 $18 18 $44 $31 $56 $48 18 $7 $11 $14 $18 19 $44 $31 $56 $48 19 $7 $11 $14 $18 20 $44 $31 $56 $48 20 $7 $11 $14 $18 21 $44 $31 $56 $48 21 $7 $11 $14 $18 22 $44 $31 $56 $48 22 $7 $11 $14 $18 23 $44 $31 $56 $48 23 $7 $11 $14 $18 24 $44 $31 $56 $48 24 $7 $11 $14 $18 25 $44 $31 $56 $48 25 $7 $11 $14 $18 26 $44 $31 $56 $48 26 $7 $11 $14 $18 27 $11 $8 $14 $12 27 $2 $3 $4 $4 40 $31 $22 $39 $33 40 $5 $7 $10 $12 41 $32 $23 $41 $35 41 $5 $8 $10 $13 42 $47 $34 $60 $51 42 $8 $11 $15 $19 43 $43 $31 $55 $47 43 $7 $10 $14 $17 44 $52 $37 $66 $57 44 $8 $13 $17 $21 45 $45 $32 $57 $48 45 $7 $11 $14 $18 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows: Group Vehicle size A 0 c.c. to 100 c.c. B 101 c.c. to 350 c.c. C 351 c.c. to 650 c.c. D 651 c.c. and over (4) Apply applicable discounts in the order as shown on the motorcycle rating worksheet, Page RW-4. Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-71

98 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 4 - Property Damage Rates at Basic limits Part 6 - Medical Payments Rates by limit Experienced Operators All Territories Territory Group A Group B Group C Group D Limit per person All Groups 1 $12 $10 $17 $15 $500 $67 2 $12 $10 $16 $15 $750 $73 3 $13 $11 $18 $16 $1,000 $77 4 $14 $11 $19 $18 $2,000 $95 5 $16 $13 $22 $20 $5,000 $137 6 $16 $13 $22 $20 $10,000 $199 7 $17 $13 $22 $20 $15,000 $247 8 $18 $14 $24 $22 $20,000 $284 9 $21 $17 $29 $26 $25,000 $ $21 $16 $28 $25 11 $22 $17 $29 $26 12 $26 $20 $34 $31 13 $29 $23 $39 $35 14 $32 $25 $42 $39 15 $32 $25 $43 $39 All Territories 16 $34 $27 $45 $41 Limit All Groups 17 $42 $33 $56 $51 20/40 $23 18 $42 $33 $56 $51 20/50 $24 19 $42 $33 $56 $51 25/50 $25 20 $42 $33 $56 $51 35/80 $27 21 $42 $33 $56 $51 50/100 $31 22 $42 $33 $56 $51 100/300 $36 23 $42 $33 $56 $51 250/500 $41 24 $42 $33 $56 $51 500/500 $52 25 $42 $33 $56 $51 26 $42 $33 $56 $51 27 $11 $9 $15 $14 40 $20 $16 $27 $24 41 $33 $26 $44 $40 42 $30 $24 $40 $36 All Territories 43 $32 $25 $43 $39 Limit All Groups 44 $28 $22 $38 $34 20/40 $0 45 $32 $26 $43 $39 20/50 $1 25/50 $6 Notes: 35/80 $19 (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to 50/100 $37 100/300 $91 250/500 $ /500 $533 the experienced operators rates above. (3) Group definitions are as follows: (4) Apply applicable discounts in the order as shown on the motorcycle rating worksheet, Page RW-4. Notes: Group A B C D Part 3 - Uninsured Motorists Rates by limit Part 12 - Underinsured Motorists Rates by limit Vehicle size (1) Rates for Parts 3, 6, and 12 are the same 0 c.c. to 100 c.c. experienced and inexperienced operators. 101 c.c. to 350 c.c. 351 c.c. to 650 c.c. 651 c.c. and over Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-72

99 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 7 - Collision Rates at $500 deductible Part 7 - Collision Other deductibles Rate per $100 of value* Experienced Deductible Operators $300 Territory All Groups $1,000 1 $1.64 $2,000 2 $ $ $ $ $ $2.51 All Territories All Groups $500 deductible premium + $ % of $500 deductible premium 57.0% of $500 deductible premium Part 7 - Collision Waiver of Deductible Charges All Territories 8 $2.70 Deductible All Groups 9 $3.06 $300 $6 10 $3.34 $500 $8 11 $2.88 $1,000 $11 12 $3.75 $2,000 $16 13 $ $ $6.78 Part 8 - Limited Collision 16 $ $6.37 $500 deductible base premium (Part 8) = 18 $6.37 (6.0%) x [$500 deductible Collision base premium (Part 7)] 19 $ $6.37 Deductible All Groups 21 $6.37 $0 $500 deductible premium (Part 8) + $5 22 $6.37 $300 $500 deductible premium (Part 8) + $3 23 $6.37 $1, % of $500 deductible premium (Part 8) 24 $6.37 $2, % of $500 deductible premium (Part 8) 25 $ $ $1.46 Motorycle Age Factors 40 $ $3.78 Age Based on Collision 42 $4.79 Group Model Year (MY) ** Factor 43 $ Current MY $ st Preceding $ nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other ** The current model year changes October 1, regardless of the ac date the models are introduced. * Determine motorcycle Collision rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Multiply the base manual premium determined in (b) by the Age Rate Factor. (d) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-4 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates (3) Rates are per $100 of insured value. Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-73

100 Massachusetts Private Passenger Automobile Insurance Manual Miscellaneous Rate Pages -Tier V Motorcycle Rates Part 9 - Comprehensive Rates at $500 deductible Part 9 - Comprehensive Other deductibles Rate per $100 of value* Territory All Groups Deductible 1 $0.80 $300 2 $0.72 $1,000 3 $0.84 $2,000 4 $ $ $ $ $ $ $2.51 Fire 11 $2.44 Theft 12 $ $ $ $ $ $ $ $ $10.41 Age 21 $10.41 Group 22 $ $ $ $ $ $ $ $ $4.36 All Territories All Groups $500 deductible premium + $1 61.1% of $500 deductible premium 55.8% of $500 deductible premium Charge 5% of the motorcycle Comprehensive premium Charge 90% of the motorcycle Comprehensive premium Motorycle Age Factors Based on Comprehensive Model Year (MY) ** Factor Current MY st Preceding nd Preceding rd Preceding th Preceding th Preceding th Preceding All Other $4.78 ** The current model year changes October 1, regardless of the actual date 44 $6.37 the models are introduced. 45 $4.57 * Determine motorcycle Comprehensive rates by the following procedure: (a) Determine the motorcycle's value as Original Cost New in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Multiply the base manual premium determined in (b) by the Age Rate Factor. (d) Apply applicable discounts in the order as shown on the Motorcycle rating worksheet, Page RW-4 Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for Part 9 are the same for experienced and inexperienced operators. (3) Rates are per $100 of insured value. Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2012 MR-V-74

101 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Private Passenger Vehicles-Tiers I-IV Policy Number: Effective Date: Named Insured: Territory: Class: Tier Merit Rating Code: Vehicle Yr & Symbol ATD %: Passive Restraint: Multi Car: Low Mileage%: Group disc: Public Trans Discount: Preferred Operator Discount Superior Client % Account Cr Adv Dr Training Good Student Discount Student Away From Home Discount Continuously Insured Good Driver Age 65 Credit: Early Issue Discount(New Only) Risk Und. Factor Driver Exp Factor Vehicle Score Factor One Pay Book Transfer(New Only) Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x Tier Factor x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x Tier Factor x low mileage x multi car x PR x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium X Tier Factor x low mileage x PR x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Tier Factor x ILF x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65x Public Transit Part 5 Optional Bodily Injury to Others- LIMIT Base premium x Tier Factor x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Continuous Cov x Good Drv x Early Issue x Risk Underwriting Factor x Driver Exp x age 65 If Limits > 20/40 take Part 1 Base ( tiered)+ OBI Base( tiered) x incr. Limit factor Part 1Base (Tiered) x low mileage x multi car x Pref Oper x Superior Client x Acct Cr x ADT x Good Student x Student Away x Continuous x Good Dr x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book transfer x age 65 Part 6 Medical Payments- LIMIT Base premium x Tier Factor x low mileage x PR x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student X Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 7 Collision- DED Base premium x Tier Factor x *mod yr/symbol/vrg factor x ded factor+ waiver of ded x OEM x ERR x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 x Public transit Part 8 Limited Collision- DED Base premium x Tier Factor x *mod yr/symbol/vrg x ded + waiv of ded x OEM x low mileage x multi car x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 9 Comprehensive-DED Base premium x Tier Factor x *mod yr/symbol/vrg fact x ded x OEM x ERR (HT) x multi car x ATD x Pref Oper Cr x Superior Client x Acct Cr x ADTx Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 RW-1

102 Part 10 Substitute Transportation-LIMIT Base premium x Tier Factor x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 11 Towing and Labor-LIMIT Base premium x Tier Factor x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x Tier Factor x low mileage x PR x Pref Oper Cr x Superior Client x Acct Cr x ADT x Good Student x Student Away x Early Issue x Risk Underwriting Factor x Veh Score x Driver Exp x One Pay x Book Transfer x age 65 Optional endorsements TOTAL$ *Model years 2010 and prior use ISO model year symbol identification plan. Model Years 2011 and after Use Vehicle Rating Groups or VRG assignments and factors. Apply 25% passive restraint (parts 2, 3, 6 & 12)(Rule 19. F.) Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. ERR- Extra Risk Rating Parts 7 and 9 (Rule 24.) ATD applies to comp (part 9) premium (Rule 54.) Apply low mileage of 10% for miles, 5% for miles (parts 1-8 and 12)(Rule 19. ED.) Apply 10% Credit for multi-car (parts 1,2,4,5,7,8,9) (Rule 19.A.) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.DC.) Apply 10 % Public Transit Discount (parts 4 and 7. (Rule 19.B.) Preferred Operator Discount 4% (Rule 19.HF.), Superior Client Discount 10% (Rule 19. NL.) Account Cr 10% (Rule 19. IG.), Advanced Driver Training 5%(Rule 19. G.) Auto Loan/Lease apply 6% parts 7 and 9) (Rule 37.) Good Student 5% (all parts) (Rule 19. JH.) Student Away From Home 5% (all parts) (Rule 19. KI. ) Continuously Insured 10% (parts 1,2,4 and 5) (Rule 19.LJ.) Good Driver 10% (parts 1,2,4 and 5) (Rule 19.MK.) Early Issue 5% New Bus only (all parts) (Rule 19. OM.) Risk Underwriting factor (all parts)(rule 26.2) Driver Experience Factor (all parts) (Rule 26.3) Vehicle History Score Factor (all parts) (Rule 26.4) One Pay 5% (all parts) (Rule 19. N.) Qualified Book Transfer 4% New Business only (all parts) (Rule 19. O.) RW-1 Effective

103 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Private Passenger Vehicles-Tier V Policy Number: Effective Date: Named Insured: Territory: Class: Merit Rating Code: Vehicle Yr & Symbol ATD %: Multi Car: Low Mileage%: Continuously Insured Good Driver Age 65 Credit: One Pay: Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x low mileage x multi car x Continuous Cov x Good Drv x One Pay x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x low mileage x multi car x Continuous Cov x Good Drv x One Pay x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium x low mileage x One Pay x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Increased Limit Factor x low mileage x multi car x Continuous Cov x Good Drv x One Pay x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x low mileage x multi car x Continuous Cov x Good Drv x age 65 If Limits > 20/40 take Part 1 Base x implicit surcharge = Adjusted Part 1, + OBI Base x incr. Limit factor Adjusted Part 1 x low mileage x multi car x One Pay x age 65 Part 6 Medical Payments- LIMIT Base premium x low mileage x One Pay x age 65 Part 7 Collision- DED Base premium x *mod yr/symbol/vrg factor x ded factor+ waiver of ded x OEM x ERR x low mileage x multi car x One Pay x age 65 Part 8 Limited Collision- DED Base premium x *mod yr/symbol/vrg x ded + waiv of ded x OEM x low mileage x multi car x One Pay x age 65 Part 9 Comprehensive-DED Base premium x* mod yr/symbol/vrg fact x ded x OEM x ERR (HT) x multi car x ATD x One Pay x age 65 Part 10 Substitute Transportation-LIMIT Base premium x One Pay x age 65 Part 11 Towing and Labor-LIMIT Base premium x One Pay x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x low mileage x One Pay x age 65 Optional endorsements TOTAL$ Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. ERR-Extra Risk Rating Parts 7 and 9 (Rule 24.) Apply low mileage of 10% for miles, 5% for miles (parts 1-8 and 12)(Rule 19. E.) Apply 5% Credit for multi-car (parts 1,2,4,5,7,8,9) (Rule 19.A.) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.D.) Continuously Insured 10% (parts 1,2,4 and 5) (Rule 19.L.) Good Driver 10% (parts 1,2,4 and 5) (Rule 19.M.) One Pay 5% Apply 5% all parts (Rule 19. N.) *Model years 2010 and prior use ISO model year symbol identification plan. Model Years 2011 and after Use Vehicle Rating Groups or VRG assignments and factors. Effective RW-2

104 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Motorcycles-Tier I-IV Policy Number: Effective Date: Named Insured: Territory: Class: Tier Merit Rating Code: Vehicle Yr Group disc: Account Cr Motorcycle Training Inexperienced Operator Age 65 Credit: Motorcycle CC s Motorcycle Group Motorcycle Value Early Issue Discount (New Only) One Pay Discount Book Transfer (New only) Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x Tier x Inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x Tier x Inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium x Tier x motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Tier x Increased Limit Factor x Inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x Tier x Inexperienced x Motorcycle training x Acct Cr x age 65 If Limits > 20/40 take Part 1 Base x tier x implicit surcharge = Adjusted Part 1, + OBI Base x tier x incr. Limit factor Adjusted Part 1x tier x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 6 Medical Payments- LIMIT Base premium x Tier x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 7 Collision- DED Value x rate per $100 X Tier x MC Age factor x ded +waiver x inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 8 Limited Collision- DED Value x Collision rate per $100 x 6% x Tier X MC age Factor X ded +waiver x inexperienced operator x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 9 Comprehensive-DED Value x rate per $100 X Tier X MC Age Rate Factor x ded X Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 10 Substitute Transportation-LIMIT Base premium x Tier x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 11 Towing and Labor-LIMIT Base premium x Tier x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x Tier x Motorcycle training x Acct Cr x Early Issue x One Pay x Book Transfer x age 65 Optional endorsements TOTAL$ Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. Apply 10% Credit for motorcycle training (parts 1-8 and 12) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.DC.) Account Cr 10% all coverage parts (Rule 19. IG.) Early Issue 5% New Bus. only (all parts) (Rule 19. OM. ) Inexperienced operator charge or 1.50 to parts 1,2,4,5,7,8) Tier factor see Rule 26 B. for applicable tier factors. One Pay Plan Discount 5% all coverage parts(rule 19. N.) Book Transfer 4% New Bus. Only all coverage parts(rule 19. O.) See Misc Rate Pages for motorcycle physical damage age factors for renewal policies. RW-3 Effective

105 RATING WORKSHEET - MASSACHUSETTS AUTOMOBILE Motorcycles-Tier V Policy Number: Effective Date: Named Insured: Territory: Class: Merit Rating Code: Vehicle Yr Group disc: Motorcycle Training Inexperienced Operator One Pay Age 65 Credit: Motorcycle CC s Motorcycle Group Motorcycle Value Total MRP Credit/Debit Part 1 Bodily Injury to Others- LIMIT Base premium x Inexperienced operator x Motorcycle training x One Pay x age 65 Part 2 Personal Injury Protection- LIMIT Base premium x Inexperienced operator x Motorcycle training x One Pay x age 65 Part 3 Bodily Injury Caused by an Uninsured Auto- LIMIT Base premium x motorcycle training x One Pay x age 65 Part 4 Damage to Someone Else s Property- LIMIT Base premium x Increased Limit Factor x Inexperienced operator x Motorcycle training x One Pay x age 65 Part 5 Optional Bodily Injury to Others- LIMIT Base premium x Inexperienced x Motorcycle training x age 65 If Limits > 20/40 take Part 1 Base x implicit surcharge = Adjusted Part 1, + OBI Base x incr. Limit factor Adjusted Part 1 x One Pay x age 65 Part 6 Medical Payments- LIMIT Base premium x Motorcycle training x One Pay x age 65 Part 7 Collision- DED Value x rate per $100 X MC Age Factor x ded +waiver x inexperienced operator x Motorcycle training x One Pay x age 65 Part 8 Limited Collision- DED Value x Collision rate per $100 x 6% X MC Age Factor X ded +waiver x inexperienced operator x Motorcycle training x One Pay x age 65 Part 9 Comprehensive-DED Value x rate per $100 X MC Age Factor x ded X One Pay x age 65 Part 10 Substitute Transportation-LIMIT Base premium x One Pay x age 65 Part 11 Towing and Labor-LIMIT Base premium x One Pay x age 65 Part 12 Bodily Injury Caused by and Underinsured Auto-LIMIT Base premium x One Pay x age 65 Optional endorsements TOTAL$ Merit Rating affects (parts 1, 2, 4, 5 & 7) (Rule 56.) The merit rating adjustment factor is applied to the final step of the rating sequence for these coverage parts. The Sum of all parts is shown on the Coverage Selections page. It does not apply to Antiques, Trailers or Use of Other Auto coverages. Apply 10% Credit for motorcycle training (parts 1-8 and 12) Age 65: apply 25% Credit on last step prior to Merit Rating Plan adjustment, do not round up.(rule 19.D.) Inexperienced operator charge or 1.50 to parts 1,2,4,5,7,8) See Misc Rte Pages for motorcycle physical damage age factors for renewal policies. One Pay: apply 5% all parts (Rule 19.N.) RW-4 Revised Effective

106 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Miscellaneous Factors Tiers I-IV DEDUCTIBLES (RULE 16) Deductibles: $1,000* $2,000* $100** Glass Collision Limited Collision Comprehensive: Including Fire, Theft and Combined Additional Coverages * Charges based on $500 Deductible Premium ** Applies to otherwise determined premium Deductible AmCharge Collision Waiver of Deductible Charges: $300 $11 $500 $17 $1,000 $19 $2,000 $30 DISCOUNTS (RULE 19) Multi-Car: 10% Parts 1,2,4,5,7,8,and 9 Public Transit: 10% Property Damage and Collision, $75 Maximum per eligible vehicle Annual Mileage: 0-5,000 miles- 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Passive Restraint: 25% Parts 2,3,6 and 12 Advanced Driver Training: 5% Parts 1-12 Preferred Operator: 4% Parts 1-12 Account Credit: 10% Parts 1-12 Good Student: 5% Parts 1-12 Student Away: 5% Parts 1-12 Continuously Insured: 10% Parts 1,2,4 and 5 Good Drvier: 10% Parts 1,2,4 and 5 Superior Client: 7% Parts 1-12 Early Issue (New Business) 5% Parts st yr only One Pay Plan Discount 5% Parts 1-12 Qualified Book Transfer Credit (New Business) 4% Parts 1-12 MF-I-IV-1

107 QUINCY MUTUAL FIRE INSURANCE COMPANY PERSONAL INJURY PROTECTION- DEDUCTIBLE (RULE 30) Deductibles: $100 $250 $500 $1,000 $2,000 $4,000 $8,000 Policyholder-Alone: 2% 4% 8% 14% 26% 37% 45% Policyholder and Household Members: 2% 5% 10% 19% 35% 48% 59% EXCESS ELECTRONIC EQUIPMENT COVERAGE (RULE 46) (Apply approriate Tier Factor from Rule 26.1.B to the following) Apply a rate of $4 to each $100 of valuation. CUSTOMIZING EQUIPMENT-STATED AMOUNT COVERAGE (RULE 47) (Apply approriate Tier Factor from Rule 26.1.B to the following) Refer to Rule 47. ORIGINAL EQUIPMENT MANUFACTURER PARTS COVERAGE (RULE 48) (Apply approriate Tier Factor from Rule 26.1.B to the following) Applies to private passenger vehicles as defined in Rule 27. Comprehensive Collision Limited Collision Comprehensive is subject to a $1.00 minimum premium MF-I-IV-2

108 QUINCY MUTUAL FIRE INSURANCE COMPANY MF-I-IV-3

109 QUINCY MUTUAL FIRE INSURANCE COMPANY MF-I-IV-4

110 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Miscellaneous Motor Vehicles Tiers I-IV Rule Liability Physical Damage Rule 32. Non-Symbolled Pick-Up/Van Manual Rates- In accordance with Rule 11. Part7- Charge 60%* of the Base premium (model years 2010 and prior) for all coverage parts calculated in accordance with Rule 11. or Pick-up/Van not assigned Part 8- Manual Rate- in accordance with Rule 11. to Vehicle Rating Group Part 9- Charge 90% of the base premium calculated in (model years 2011 and greater) accordance with Rule 11. Parts 10 and 11- Charge rates in accordance with Rule 11. Rule 34. Rule 11. Premium calculation provisions do not apply. Trailers No charge For 2010 and prior models, Parts 7,8,and 9, charge 50% of the Territory 1, Class 14 base premium X the latest model yr/ symbol factor shown on the rate pages. Symbol is based on cost new. See Rule 22. For 2011 and greater models, Parts 7,8,and 9, charge 50% of Territory 1, Class 14 base premium X the latest model yr/vrg factor shown on the rate pages. VRG is based on Base list price. See Rule 21. Merit Rating Plan does not apply. The account credit, One Pay Plan and Book Transfer discounts are offered, if eligible. Rule 39. Motor Homes Manual rates in accordance with Rule 11. Parts 7 and 8 charge 50% of the Base Premium for all coverage parts. The account credit and Advanced calculated in accordance with Rule 11. Driver Training are the only discounts offered, if eligible. Part 9- Manual rate in accordance with Rule 11. (Rules 19. I. and G.) Parts 10 and 11- charge the rates in accordance with Rule 11. The account credit, early issue, one pay and book transfer discounts are offered, if eligible. Rule 40. Antique Motor Cars Rule 11. Premium Calculation provisions Rule 11. Premium Calculation provisions do not apply. do not apply. For Parts 1,2,4 &5 charge 25% For Parts 7,8 and 9 charge 50% of the latest model of the Class 14 base premium for the applicable year shown in the rate pages for Territory 1, Class 14 Rating Territory and coverage limit. symbol based on appraised value (for model years Parts 3,6,and 12-charge the rate shown in the 2010 and prior) or Territory 1, Class 14 VRG based on manual for the applicable Rating Territory and appraised value (for model years 2011 and greater). coverage linit. The Merit Rating Plan does not Merit Rating Plan does not apply. All credits except apply. All credits except, Multi Car (19.A.),Annual Multi Car,(19.A.) Annual Mileage discount (Rule 19. D), Mileage (Rule 19.D.) The preferred operator the Preferred operator discount (Rule 19. F) discount (Rule 19.F.), Good Student(Rule 19.H.), Good Student(Rule 19.H.), Student Away (Rule 16.I.) Student Away(Rule 19.I.), Continuously Insured Continuously Insured Rule 19. J.) and Good Driver (Rule 19.J.), and Good Driver (Rule 19.K.) will apply. (Rule 19.K.) will apply. Parts 10 and 11-charge rates in accordance with Rule 11. MV-I-IV-5

111 QUINCY MUTUAL FIRE INSURANCE COMPANY MV-I-IV-6

112 QUINCY MUTUAL FIRE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Miscellaneous Motor Vehicles Tiers I-IV Rule Liability Physical Damage Rule 43. Low Speed Vehicles Parts 1,4, and 5 Charge 50% of the Class 14 base Part7 and 8- Charge 75% of the Class 14 base premium. premium. Part 9- Charge 50% of the Class 14 base premium. Parts 2,3,6 and 12- Charge 100% of the Class 14 base premium. The annual mileage, multi-car, account, continuously The annual mileage, multi-car, account, early issue, insured, good driver and the class 15 discounts as and the class 15 discounts as described in Rule 19. apply. described in Rule 19. apply. 20% anti theft if eligible as decscribed in Rule 43. Rule 44. Motorcyles, etc. See Motorcyle rate pages for complete rating See Motorcyle rate pages for complete rating instructions instructions Golfmobiles and Lawnmowers(motorized) Not available Not available Snowmobiles Not available Not available * Reduction no applicable to Waiver of Deductible premium. MV-I-IV-7

113 Miscellaneous Rate Pages- Tier V Approved Motorcycle Training Sites Rider Education Recognition Program (RERP) Number Bristol Community College, Fall River (61347) Central Mass Safety Council, West Boylston (60055) Hanscomb AFB, Bedford (61141) Motorcycle Safe Riding Project, Beverly (60050) (Formerly listed as Cycles 128) Northern Essex Community College, Haverhill (61348) Otis ANGB, Cape Cod (60758) Riverside Kawasaki, Hanscomb AFB in Bedford (61350) Safety Council of Western Mass, Dalton (61277) South Weymouth NAS, South Weymouth (60690) Westfield State College, Westfield (61349) Those who participate in motorcycle rider education courses in any other location are also eligible for the 10% reduction, given the course is approved by the Motorcycle Safety Foundation. If courses are taken out of state, they must be Motorcycle Safety Foundation certified and adhere to Governor s Highway Safety Bureau rules and regulations on file at the Secretary of State s office. Page MR-V-75

114 Miscellaneous Rate Pages- Tier V Miscellaneous Rating Factors DEDUCTIBLES (RULE 16) $100** Deductibles: $1,000* $2,000* Glass Collision: Not Applicable Limited Collision: Not Applicable Comprehensive: Including Fire, Theft and Combined Additional Coverages *Charges based on $500 Deductible Premium $300 Deductible - $25 **Applies to otherwise determined premium $500 Deductible - $36 Collision Waiver of Deductible Charges: $1,000Deductible- $48 $2,000Deductible- $74 SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Private Passenger: $50 $150 $185 $335 Motorcycle: $45 $90 $167 $346 DISCOUNTS (RULE 19) Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Continuously Insured Discount 10% Parts 1,2,4 and 5 Good Driver Discount 10% Parts 1,2,4 and 5 One Pay Plan 5% Parts 1-12 PERSONAL INJURY PROTECTION DEDUCTIBLE (RULE 30) DEDUCTIBLE: $100 $250 $500 $1,000 $2,000 $4,000 $8,000 Policyholder - Alone: 2% 4% 8% 15% 28% 40% 50% Policyholder and Household Members: 2% 5% 11% 20% 37% 51% 64% Page MR-V-76

115 Miscellaneous Rate Pages- Tier V Miscellaneous Rating Factors TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Private Passenger and Motorcycle: $8 $16 EXCESS ELECTRONIC EQUIPMENT COVERAGE (RULE 46) Apply a rate of $4 to each $100 of valuation. CUSTOMIZING EQUIPMENT - STATED AMOUNT COVERAGE (RULE 47) Refer to Rule 47 Page MR-V-77

116 Miscellaneous Rate Pages- Tier V Non-Symbolled Pick- Up/Van (model years 2010 and Prior) or Pick Up/Van not assigned to Vehicle Rating Group (model years 2011 and greater) (Rule 32) Miscellaneous Motor Vehicles LIABILITY (Parts 1-6, &12) PHYSICAL Manual Rates-In accordance with Rule 11. for all coverage parts. Page MR-V-79 DAMAGE(Parts 7-11) Part 7-charge 60%* of the Base premium calculated in accordance with Rule 11. Part 8 - Manual Rate-in accordance with Rule 11. Part 9 Charge 90% of the base premium calculated in accordance with Rule 11. Parts 10 and 11-charge rates in accordance with Rule 11. Trailers (Rule 34) No Charge Rule 11. Premium Calculation provisions do not apply. For 2010 and prior models, Parts 7,8,and 9, charge 50% of the Territory 1, Class 10 base premium X the latest model year/symbol factor shown on the rate pages. Symbol is based on cost new. See Rule 22. One Pay Plan Discount is offered if eligible. For 2011 and greater models, Parts 7,8, and 9, charge 50% of the Territory 1, Class 10 base premium X the latest model yr/vrg factor shown on the rate pages. VRG is based on Base List Price. See Rule 21. Merit Rating Plan does not apply. One Pay Plan Discount is offered if eligible. Motor Homes (Rule 39) Manual Rates-In accordance with Rule 11. for all coverage parts. Parts 7 and 8 charge 50% of the Base premium calculated in accordance with Rule 11. Part 9 Manual Rate-In accordance with Rule 11. Parts 10 and 11-charge rates in accordance with Rule 11. One Pay Plan Discount is offered if eligible.

117 Miscellaneous Rate Pages- Tier V Antique Motor Cars (Rule 40) Antique Motorcycles (Rule 40) Rule 11. Premium Calculation provisions do not apply. For Parts 1, 2, 4 & 5 Charge 25% of the Class 10 base premium for the applicable Rating territory and coverage limit. Parts 3, 6 and 12 Charge the rate shown in the manual for the applicable Rating territory and coverage limit. The Merit Rating Plan does not apply. The Anti Theft Devices Discount and Class 15 Discounts will apply as shown on Page R-68, if applicable. Rule 11. Premium Calculation provisions do not apply. For Parts 1, 2, 4 & 5 charge 25% of Motorcycle Rates for the applicable Rating territory and coverage limit. For Parts 3, 6 and 12 charge the rate shown in the manual for the applicable Rating territory and coverage limit. The Merit Rating Plan does not apply. The Anti Theft Devices Discount and Class 15 Discounts will apply as shown on Page R-68, if applicable. Rule 11. Premium Calculation provisions do not apply. For Parts 7, 8 and 9 charge 50% of the Latest Model Year shown in Rate Pages, Territory 1, Class 10 Symbol based on appraised value (model years 2010 and prior). Territory 1, Class 10 VRG based on appraised value (model years 2011 and greater). Merit Rating plan does not apply. The Anti Theft Devices Discount,One Pay Plan, and Class 15 Discounts will apply as shown on Page R-68, if applicable. Parts 10 and 11-charge rates in accordance with Rule 11. Rule 11. Premium Calculation provisions do not apply. For Part 7, 8 and 9 charge 50% of Territory 1 Motorcycle Rates Merit Rating plan does not apply. The Anti Theft Devices Discount, One Pay Plan, and Class 15 Discounts will apply as shown on Page R-68, if applicable. Parts 10 and 11-charge rates in accordance with Rule 11. Page MR-V-79

118 Miscellaneous Rate Pages- Tier V Low Speed Vehicles (Rule 43) Golf mobiles and Lawnmowers (Motorized) Parts 1,4, and 5: Charge 50% of the Class 10 base premium. Parts 2,3,6,and 12: Charge 100% of the Class 10 base premium. The annual mileage discount, multi-car discount, continuously insured discount, good driver discount and the class 15 discounts as described in Rule 19. apply. Not Available *Reduction not applicable to Waiver of Deductible premium Parts 7and 8: Charge 75% of the Class 10 base premium. Part 9 : Charge 50% of the Class 10 base premium. The annual mileage discount, multi-car discount, One Pay Plan, and Class 15 discounts as described in Rule 19. apply. Not Available Snowmobiles Not Available Motorcycles, etc. (Rule 44) Motorcycle Rider Training Program Discount - 10% Parts 1-8 and 12 Anti-Theft-Category IV- 20% Part 9, One Pay Plan-5% Parts 1-12 Insureds age 65 or older - 25% All Parts Page MR-V-80

119 N. One Pay Plan Discount A 5% premium credit will be applied against all coverage parts on a per vehicle basis when a One Payment Billing Plan is chosen, subject to the following: For new business policies, payment must be made in full upon the initial down payment. For renewal policies, payment must be made in full upon the first installment due date. The policy must not be paid by a finance company. This discount applies to all vehicle types on a policy. O. Qualified Book Transfer credit- Not applicable in Tier V A 4% premium credit will be applied against all coverage parts on a per vehicle basis for any qualified book transfer meeting the underwriting rules established by the company. The discount will be subject to the following criteria: The book transfer was prearranged and agreed upon by the company and agency. The discount will apply for one year only. This discount applies to all vehicle types on the policy. P. Household Member / Family Account Discount Progam- Not applicable in Tier V Quincy Mutual will the extend eligibility of: The Account Credit as shown in paragraph G.;and The Multi Car Discount as shown in paragraph A; to any automobile policy we insure for household members subject to the following criteria: The household member meets the definition in the MA Auto policy; and The household member is listed as a deferred operator on the original or primary insured s Quincy Mutual policy. In addition, the tier assignment from Rule A. will reflect the extended eligibility for the account credit and multi car discounts. All other aspects of the tier assignment will remain the same. 24

120 RULE 26.2 RISK UNDERWRITING FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. A Risk Underwriting Factor will be applied to each vehicle based upon an evaluation of policy and operator risk characteristics. The Risk Underwriting Factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. The Risk Underwriting Factor is determined at policy inception and will be updated upon renewal and when a policy is endorsed. The Risk Underwriting Factor will be determined based upon the following six criteria: Minimum years licensed of all operators listed on the policy(including deferred and excluded) Years licensed of the assigned operator Count of number of operators listed on the policy (including deferred and excluded) Policy status new or renewal Presence of a deferred operator on the policy Minimum infraction count of at fault accidents and traffic violations for all operators listed on the policy. The experience period for infractions is the six years immediately preceding the effective date of the policy. To determine your Risk Underwriting Factor, find the description above one of the following three tables that meets the policy characteristics. The years of driver experience is based upon a listed operators date first licensed. The number of years licensed will be determined by the number of full years the operator has held a valid driver s license as of the effective date of the policy. If the minimum years of driving experience for ALL operators listed on a policy is 12 to 45 years, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience 1.00 Assigned operators with 20 + years of experience and 1.00 only one operator listed Assigned operators with 20 + years of experience and or more operators listed and no infractions for any listed operator Assigned operators with 20 + years of experience and or more operators listed with 1 or more infractions for any operator listed If the minimum years of driving experience for ALL operators listed on a policy is 46 or greater, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with 1.08 > 55 years of experience Renewal Business with Assigned Drivers with 1.08 > 55 years of experience and only one operator listed on the policy Renewal Business with Assigned operators with > years of experience and no deferred operators and 2 or more listed operators on the policy Renewal Business with Assigned operators with > years of experience and having a deferred operator 30

121 If the minimum years of driving experience for ANY operator listed on a policy is <12, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with <20 or > years of experience Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and only one operator listed on the policy Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and 2 or more operators listed on the policy Renewal Business with Assigned operators with <20 or 1.00 > 55 years of experience and having a deferred operator and 2 or more operators listed on the policy. RULE 26.3 DRIVER EXPERIENCE FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. The Driver Experience Factor is based upon a listed operators date first licensed. The factor will be applied to each vehicle based upon the number of years the assigned operator has been licensed. The number of years licensed will be determined by the number of full years the operator has held a valid United States driver s license as of the effective date of the policy. Information may be obtained from the Massachusetts Registry of Motor Vehicles or any other evidence of prior licensure to determine the number of years licensed. If the date first licensed is not provided by the insured, we will assign the earliest possible date the driver s license could be obtained in the Commonwealth of Massachusetts. The Driver Experience Factor will be updated upon each renewal and on endorsement transactions if the assignment of operators is changed. The factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. If the operator has not been insured in the Commonwealth of Massachusetts during the 12 months preceding the application for coverage, and no evidence of licensure is available, we will use the experience factor for <1 year as the starting point for that operator. In the event that an operator s driving privileges have ever been suspended or revoked due to driving related offenses, for a period of three or more years, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. Apply the Driver Experience factor as follows: Years of Driving Factor Years of Driving Factor Years of Driving Factor Experience Experience Experience <

122 If the minimum years of driving experience for ANY operator listed on a policy is <12, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with <20 or > years of experience Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and only one operator listed on the policy Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and 2 or more operators listed on the policy Renewal Business with Assigned operators with <20 or 1.00 > 55 years of experience and having a deferred operator and 2 or more operators listed on the policy. RULE 26.3 DRIVER EXPERIENCE FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. The Driver Experience Factor is based upon a listed operators date first licensed. The factor will be applied to each vehicle based upon the number of years the assigned operator has been licensed. The number of years licensed will be determined by the number of full years the operator has held a valid United States driver s license as of the effective date of the policy. Information may be obtained from the Massachusetts Registry of Motor Vehicles or any other evidence of prior licensure to determine the number of years licensed. If the date first licensed is not provided by the insured, we will assign the earliest possible date the driver s license could be obtained in the Commonwealth of Massachusetts. The Driver Experience Factor will be updated upon each renewal and on endorsement transactions if the assignment of operators is changed. The factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. If the operator has not been insured in the Commonwealth of Massachusetts during the 12 months preceding the application for coverage, and no evidence of licensure is available, we will use the experience factor for <1 year as the starting point for that operator. In the event that an operator s driving privileges have ever been suspended or revoked due to driving related offenses, for a period of three or more years, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. Apply the Driver Experience factor as follows: Years of Driving Factor Years of Driving Factor Years of Driving Factor Experience Experience Experience <

123 RULE 26.4 VEHICLE HISTORY SCORE FACTOR- Not applicable in Tier V A Vehicle History Score Factor will be applied to all vehicles on a new business policy effective on and after 01/15/2013, and to vehicles newly added to all policies effective on or after 01/15/2013, subject to the following: 1. This rule applies to private passenger type vehicles as defined in Rule The Vehicle History score factor will be applied to vehicle model years from 1990 through to a model year that is two years less than the policy effective year. 3. The Vehicle History Score is determined through a consideration of the following factors: Vehicle odometer reading; Estimated annual mileage; Time since last title event; Vehicle age; Branded title; and History of vehicle problems. 4. The Vehicle History Score Factor is applied to Base premiums as shown in Rule 11., Premium Determination Rule. The rating sequence is shown on our rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. 5. The Vehicle History Score Factor will be updated for the third renewal of policies on previously scored vehicles that were effective on or after 01/15/ Any vehicle without a Vehicle History Score will receive a factor of Apply the Vehicle History Score Factor as follows: Vehicle History Score Factor 840 to to to to to No Score (998) 1.00 No Hit (999)

124 The extra-risk rating factors shown below are applied in the calculation of the premium as shown on our rating worksheet page R-68 of this manual. Collision Comprehensi ve Vehicular Homicide Auto Insurance Related Fraud Auto Theft Driving Under the Influence of Alcohol or Drugs Four or More At-Fault Accidents High-Theft Vehicle Two or More Total Fire or Total Theft Losses Material Misrepresentation 1.5 (1.2) 1.5 (1.2) Salvage Title Coverage not available NOTE: For the first instance of a material misrepresentation in the application for insurance, the lower indicated factor may be used, at the option of the company. Application of Factors A. Single Vehicle Policies Where more than one category applies to the same operator or vehicle, the highest applicable factor shall be used respectively for Collision and Comprehensive. For example, if a listed operator is convicted of vehicular homicide and also has a high-theft vehicle, the factor for both Collision and Comprehensive is 1.5. The factors do not compound. In cases where separate policies are issued by the same insurer to the common owner of two or more vehicles, the highest applicable factors for Collision and Comprehensive shall be assigned to the vehicle with the highest premium for Collision and Comprehensive respectively. For each subsequent vehicle, the next highest applicable factor shall be assigned to the next highest premium for Collision and Comprehensive respectively, etc. If one or more of the extra-risk categories of insurance fraud, auto theft or material misrepresentation apply to such common owner, the applicable factor shall be used for both Collision and Comprehensive for each insured vehicle. B. Multi-Vehicle Policies The highest applicable factors for Collision and Comprehensive shall be assigned to the vehicle with the highest premium for Collision and Comprehensive respectively. Each subsequent vehicle shall be assigned the next highest applicable factor and so forth. If one or more of the extra-risk categories of insurance fraud, auto theft or material misrepresentation apply to the insured owner, the applicable factor shall be used for both Collision and Comprehensive for each insured vehicle. RULE 25. VEHICLE SERIES RATING (Applicable to Model Years 2010 and Prior) Vehicle Series Rating (VSR) is a program applied by the Insurance Services Office (ISO) to adjust the Price New Symbols of vehicles to increase or decrease the symbol due to loss experience reflecting crash damage, ease of repair, cost of repair parts, and theft for the particular vehicle, resulting in the Rating Symbol. The Rating Symbol is used to determine a vehicle s premium for Collision, Limited Collision and Comprehensive coverage. The VSR program reviews the symbol assignments for all vehicle series up to five times: when the model year is introduced and in each of the subsequent annual VSR review years. The symbol for a particular series may be upsymbolled, downsymbolled, or may remain the same. Reassignment of symbols shall be effective with 2006 and subsequent model year vehicles and may only be applied at policy issuance or renewal. A policy shall not be changed mid-term solely due to a change in symbol assignment based on symbol review. RULE 26.1 TIER ASSIGNMENT This rule applies to all vehicle types. A. DeterminingThe Assigned Tier 28

125 Tier assignment is determined at the policy s inception, at renewal and when a policy is endorsed. Tier assignments are on a policy level but determined by evaluating policy and operator characteristics. To determine the tier begin by identifying the risk characteristics for each policy and rated operator. Apply the characteristics to the tier definition shown below in consecutive order. If a policy or rated operator does not meet the requirement of a tier, continue onto the next tier until a tier has been determined. Tier I. Corresponding Account with Personal Umbrella Liability Endorsement. 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay State) and; 2. Have a Personal Umbrella Liability Endorsement attached to the Homeowners policy and; 3. Have 3 or fewer intent -to- cancel notices in each of the last three years. Tier II. Corresponding Account 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay Sate) or MPIUA (Fair Plan) and; 2. Have 3 or fewer intent -to- cancel notices in each of the last three years. Tier III. Renewal Policies-(without a supporting homeowners and or personal umbrella.) Tier IV. 1. Any policy that has been insured with Quincy Mutual for more than one continuous year that does not have a supporting account or supporting account with an umbrella; and 2. Has three or fewer intent -to- cancel notices in each of the last three years. 1. New Business Policy With: a. Continuously Insured Rated Operator; or b. Multiple vehicles or Tthe Multi-Car Discount has been applied; or 2. Renewal Policy with four or more intent -to- cancel notices in any one of the previous three years. A rated operator has been continuously insured if they have been without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. Tier V. Basic Tier- New Business Policy- All Other *This tier includes any rated operator not otherwise eligible for Tiers I through IV. The basic tier will be made up of new policies that are not supported by a homeowner policy and are single car policies where the rated operator is not continuously insured. B. Tier Rating Factor Apply the appropriate tier factor below to the base premiums as shown on the appropriate rating worksheet from pages RW 1-6 and in accordance with Rule. 11. Premium Determination. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. Tier I Tier II Tier III Tier IV Tier V See Tier V rate pages. 29

126 POL.COMPANY.GROUP.NAME POL.COMPANY.GROUP.ADDR1 POL.COMPANY.GROUP.ADDR2 Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT - M QM-0099-S (ED. 9-11) 10 13) This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to see how it affects your policy. Optional Insurance (Page 13): Paragraph 5. is deleted and replaced by the following: 5. For bodily injury or property damage caused by intentional acts committed or caused by you, a household member, or any other person using your auto with your consent. This exclusion applies even if the bodily injury or property damage is different from, or greater than, that which is expected or intended. Part 5. Optional Bodily Injury to Others (Page 14): Paragraph 5. is deleted and replaced by the following: 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to: 1. private passenger autos, or 2. pick-up trucks, vans, or similar vehicles having a gross weight of less than 10,000 pounds; not used for the delivery or transportation of goods, products, or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. General Provisions and Exclusions (Page 30): The following are added to your policy: 21. Actual Cash Value Page 1 of 1 QM-0099-S (10 13)

127 Whenever the appraised cost of repair of an auto plus the probable salvage value of the auto may be reasonably expected to exceed the actual cash value of the auto, we shall determine the auto s actual cash value. Our determination shall be based on a consideration of all of the following factors: 1.) 1.) the retail book value for an auto of like kind and quality, but for the damage incurred; 2.) the price paid for the auto plus the value of prior improvements to the auto at the time of the accident, less appropriate depreciation; 3.) the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser; and 4.) the actual cost of purchase of an available auto of like kind and quality, but for the damage sustained. Page 1 of 1 QM-0099-S (10 13)

128 Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT QM-0099-S (10 13) This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to see how it affects your policy. Optional Insurance (Page 13): Paragraph 5. is deleted and replaced by the following: 5. For bodily injury or property damage caused by intentional acts committed or caused by you, a household member, or any other person using your auto with your consent. This exclusion applies even if the bodily injury or property damage is different from, or greater than, that which is expected or intended. Part 5. Optional Bodily Injury to Others (Page 14): Paragraph 5. is deleted and replaced by the following: 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to: 1. private passenger autos, or 2. pick-up trucks, vans, or similar vehicles having a gross weight of less than 10,000 pounds; not used for the delivery or transportation of goods, products, or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. General Provisions and Exclusions (Page 30): The following are added to your policy: 21. Actual Cash Value Whenever the appraised cost of repair of an auto plus the probable salvage value of the auto may be reasonably expected to exceed the actual cash value of the auto, we shall determine the auto s actual cash value. Our determination shall be based on a consideration of all of the following factors: 1.) the retail book value for an auto of like kind and quality, but for the damage incurred; 2.) the price paid for the auto plus the value of prior improvements to the auto at the time of the accident, less appropriate depreciation; 3.) the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser; and 4.) the actual cost of purchase of an available auto of like kind and quality, but for the damage sustained. Page 1 of 1 QM-0099-S (10 13)

129 Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT QM-M-0099-S (10 13) This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to see how it affects your policy. Optional Insurance (Page 13): Paragraph 5. is deleted and replaced by the following: 5. For bodily injury or property damage caused by intentional acts committed or caused by you, a household member, or any other person using your auto with your consent. This exclusion applies even if the bodily injury or property damage is different from, or greater than, that which is expected or intended. Part 5. Optional Bodily Injury to Others (Page 14): Paragraph 5. is deleted and replaced by the following: 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to: 1. private passenger autos, or 2. pick-up trucks, vans, or similar vehicles having a gross weight of less than 10,000 pounds; not used for the delivery or transportation of goods, products, or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. General Provisions and Exclusions (Page 30): The following are added to your policy: 21. Actual Cash Value Whenever the appraised cost of repair of an auto plus the probable salvage value of the auto may be reasonably expected to exceed the actual cash value of the auto, we shall determine the auto s actual cash value. Our determination shall be based on a consideration of all of the following factors: QM-M-0099-S (10 13)

130 1.) the retail book value for an auto of like kind and quality, but for the damage incurred; 2.) the price paid for the auto plus the value of prior improvements to the auto at the time of the accident, less appropriate depreciation; 3.) the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser; and 4.) the actual cost of purchase of an available auto of like kind and quality, but for the damage sustained. QM-M-0099-S (10 13)

131 Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT QM-M-0099-S (10 13) This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to see how it affects your policy. Optional Insurance (Page 13): Paragraph 5. is deleted and replaced by the following: 5. For bodily injury or property damage caused by intentional acts committed or caused by you, a household member, or any other person using your auto with your consent. This exclusion applies even if the bodily injury or property damage is different from, or greater than, that which is expected or intended. Part 5. Optional Bodily Injury to Others (Page 14): Paragraph 5. is deleted and replaced by the following: 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to: 1. private passenger autos, or 2. pick-up trucks, vans, or similar vehicles having a gross weight of less than 10,000 pounds; not used for the delivery or transportation of goods, products, or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. General Provisions and Exclusions (Page 30): The following are added to your policy: 21. Actual Cash Value Whenever the appraised cost of repair of an auto plus the probable salvage value of the auto may be reasonably expected to exceed the actual cash value of the auto, we shall determine the auto s actual cash value. Our determination shall be based on a consideration of all of the following factors: QM-M-0099-S (10 13)

132 1.) the retail book value for an auto of like kind and quality, but for the damage incurred; 2.) the price paid for the auto plus the value of prior improvements to the auto at the time of the accident, less appropriate depreciation; 3.) the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser; and 4.) the actual cost of purchase of an available auto of like kind and quality, but for the damage sustained. 22. We Do Not Pay For Personal Vehicle Sharing We will not pay damages or benefits under any Part of this policy while your auto is being used in a personal vehicle sharing program. There will be no coverage for bodily injury or property damage. A personal vehicle sharing program allows for the sharing of autos with persons other than you or a household member. Such programs are formed under the terms of a written agreement and for payment. QM-M-0099-S (10 13)

133 RULE 19. DISCOUNTS Rule 19. Discounts are applicable to private passenger vehicles defined under Rule 27. See the Miscellaneous rate pages and rules for discounts applicable to Miscellaneous Type vehicles. A. Multi-Car- Not applicable in Tier V 1. A policyholder who owns two or more automobiles and purchases coverage from the same company for at least two such automobiles, shall be entitled to a 10 % reduction of the premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule The 10% reduction in premium as outlined in 1. above may also be applied if one private passenger auto is owned by the named insured(s) and a company vehicle is furnished to the named insured or resident spouse. A copy of the company car s registration must be provided. B. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. C. Class 15 Premiums otherwise applicable to class 11, 12, 13, and 14 automobiles shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the class 11, 12, 13, and 14 premium must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify the company of any change in operator usage which would affect entitlement to the discount. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating plan adjustment. D. Annual Mileage Discount A discount of the premium paid for Parts 1, 2, 3, 4, 5, 6, 7, 8 and 12 will be given to eligible policyholders on request, when the annual mileage of the vehicle falls into one of two categories. The discount will be based on the actual mileage driven in the previous policy year as determined by a comparison of two odometer readings, at least six months apart, from Registry of Motor Vehicle information or the Annual Mileage Discount Form and other standard automobile insurance forms available to the company. Refer to the Miscellaneous Rating Factors page by Tier for the applicable categories and discounts. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27, except that vehicles classified as Antiques are not eligible. The company may request that the applicant for the discount complete the Annual Mileage Discount Form for the verification of eligibility for the discount. 2. Verification The company may use the odometer readings provided by the applicant on the Annual Mileage Discount Form or other standard forms available to the company, in order to verify the mileage driven in the past year. The company shall compute the annualized difference between the odometer reading at the time of application and the previous odometer reading to determine eligibility. If a vehicle replaces a vehicle which is receiving the discount, the annual mileage of the prior vehicle will be attributed to the replacement vehicle. The company may use information from the Vehicle Inspection System of the Registry of Motor Vehicles to verify annual mileage. The difference in the two most recent odometer readings reported by the Registry, if at least six months apart, shall be annualized to determine eligibility for the discount. If the Registry reports 20

134 only one reading, which is more than six months before the application for the discount, the applicant may provide a current odometer reading on the Annual Mileage Discount Form, and the difference shall be annualized to determine eligibility. If two odometer readings, at least six months apart, are not available to the company through the Registry of Motor Vehicles, the Annual Mileage Discount Form or other standard forms, the vehicle is not eligible for the annual mileage discount. 3. Application of Discount The applicable discount applies to rates otherwise determined for each insured vehicle by; a. coverage, limits purchased, territory, driver class, and model year and symbol for model years 2010 and prior or, b. by coverage, limits purchased, territory, driver class, and model year and Vehicle Rating Group for model years 2011 and greater, prior to the application of the merit rating plan adjustment. E. Passive Restraint Discount- Not applicable in Tier V A 25% discount of the premium paid for Parts 2, 3, 6 and 12 will be given to eligible policyholders for qualifying vehicles which contain occupant safety features approved by the Commissioner of Insurance. These features are: an airbag installed for either the driver s seating position or both front outboard designated seating positions or an automatic seatbelt installed for either the driver s seating positions or both front outboard designated seating positions. F. Preferred Operator Discount-Not applicable to Tier V On a renewal policy, a 4% premium credit is applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. In order to be eligible for the credit the vehicle must be: Rated in classes Have Bodily Injury limits, Part 5, equal to or above $50,000 per person. The rated operator must have a merit rating code of 99 (Excellent Driver Discount Plus), 98 (Excellent Driver Discount) or 00 (Neutral). This discount applies to vehicles as defined under Rule 27. G. Account Credit-Not applicable to Tier V A 10% premium credit is applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. For the purposes of this discount, vehicle includes personal automobiles, miscellaneous vehicles, trailers and motorcycles. To be eligible for the premium credit, the Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay State) or MPIUA (FAIR Plan). This discount does not apply to Use of Other Auto coverage. H. Good Student Discount- Not applicable in Tier V A 5% Good Student Discount applies to all coverage parts when the rated operator is an inexperienced operator, driver classifications17,18,20,21,25, or 26, is a full time high school, college or university student and meets one of the following requirements: Is in the top 20% of his/her class or has been recognized on a Dean s list or honor roll. Has maintained at least a B average in a letter grading system or a 3.0 average in a 4 point system or any equivalent. If the operator is home schooled, evidence of scoring in the top 20% of standardized national exams or a third party certification indicating that the student has met the requirements stated above are acceptable. 21

135 The company must be presented certification signed by a school official that verifies the operator s academic achievements when the discount is requested and at subsequent renewals in order for the discount to be applied. This discount applies to vehicles as defined under Rule 27. I. Student Away From Home Discount- Not applicable in Tier V A 5% credit will be applied to all coverage parts when the rated operator meets the following criteria: The rated operator is an inexperienced operator, driver classes 17, 18, 20, 21, 25 or 26. The rated operator is student residing at an educational facility over one hundred road miles from the autos place of garaging, The rated operator does not have regular access to any covered vehicle shown on the coverage selection page. Policies with the Student Away From Home Discount will renew without the discount. In order for the discount to be applied, the Named Insured or rated operator must confirm that the rated operator continues to be eligible. The company may require written confirmation. This discount applies to vehicles as defined under Rule 27. J. Continuously Insured Discount A 10% discount will be applied to coverage parts 1, 2, 4 and 5 on a per vehicle basis when the rated operator has been continuously insured without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. For new policies, proof of continuous coverage may be required under certain circumstances when the company is unable to substantiate or verify 12 months of continuous insurance coverage. The discount will automatically be applied at renewal provided the policy was in effect for 12 continuous months. This discount applies to vehicles as defined under Rule 27. K. Good Driver Discount (This is the equivalent to Low Frequency Discount in the MAIP program.) A 10% discount will be applied to coverage parts 1,2, 4 and 5 on a per vehicle basis when the rated operator has no more than 4 merit rating points reported by the Merit Rating Board as provided by Rule 56, Merit rating Plan. This discount applies to vehicles as defined under Rule 27. L. Superior Client Discount- Not applicable in Tier V A 7% premium credit is applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. In order to be eligible for the credit the vehicle must be: Rated in classes Have Bodily Injury limits, Part 5, equal to or above $250,000 per person. The rated operator must have a merit rating code of 99 (excellent driver discount plus). This discount applies to vehicles as defined under Rule 27. M. Early Issue Client Discount- Not applicable in Tier V A 5% premium credit will be applied against all coverage parts on a per vehicle basis where a premium is shown on the coverage selections page for that vehicle. In order to be eligible for the credit the policy must be: New business to Quincy Mutual Be entered for issuance into Quincy On-Line at least 5 days prior to the effective date or received at Quincy Mutual in paper format at least 5 days prior to the effective date All vehicle types except trailers This discount will be applied to new business for one year only. 22

136 N. One Pay Plan Discount A 5% premium credit will be applied against all coverage parts on a per vehicle basis when a One Payment Billing Plan is chosen, subject to the following: For new business policies, payment must be made in full upon the initial down payment. For renewal policies, payment must be made in full upon the first installment due date. The policy must not be paid by a finance company. This discount applies to all vehicle types on a policy. O. Qualified Book Transfer credit- Not applicable in Tier V A 4% premium credit will be applied against all coverage parts on a per vehicle basis for any qualified book transfer meeting the underwriting rules established by the company. The discount will be subject to the following criteria: The book transfer was prearranged and agreed upon by the company and agency. The discount will apply for one year only. This discount applies to all vehicle types on the policy. P. Household Member / Family Account Discount Progam- Not applicable in Tier V Quincy Mutual will the extend eligibility of: The Account Credit as shown in paragraph G.;and The Multi Car Discount as shown in paragraph A; to any automobile policy we insure for household members subject to the following criteria: The household member meets the definition in the MA Auto policy; and The household member is listed as a deferred operator on the original or primary insured s policy. In addition, the tier assignment from Rule A. will reflect the extended eligibility for the account credit and multi car discounts. All other aspects of the tier assignment will remain the same. Rule 20. MODEL YEAR RATING Model Year Defined The model year of an auto is used in rating physical damage coverage on an actual cash value basis. The model year of the auto is the year assigned by the auto manufacturer. The model year of rebuilt or structurally altered autos is determined by the model year of the chassis. 23

137 Material Misrepresentation 1.5 (1.2) 1.5 (1.2) Salvage Title Coverage not available NOTE: For the first instance of a material misrepresentation in the application for insurance, the lower indicated factor may be used, at the option of the company. Application of Factors A. Single Vehicle Policies Where more than one category applies to the same operator or vehicle, the highest applicable factor shall be used respectively for Collision and Comprehensive. For example, if a listed operator is convicted of vehicular homicide and also has a high-theft vehicle, the factor for both Collision and Comprehensive is 1.5. The factors do not compound. In cases where separate policies are issued by the same insurer to the common owner of two or more vehicles, the highest applicable factors for Collision and Comprehensive shall be assigned to the vehicle with the highest premium for Collision and Comprehensive respectively. For each subsequent vehicle, the next highest applicable factor shall be assigned to the next highest premium for Collision and Comprehensive respectively, etc. If one or more of the extra-risk categories of insurance fraud, auto theft or material misrepresentation apply to such common owner, the applicable factor shall be used for both Collision and Comprehensive for each insured vehicle. B. Multi-Vehicle Policies The highest applicable factors for Collision and Comprehensive shall be assigned to the vehicle with the highest premium for Collision and Comprehensive respectively. Each subsequent vehicle shall be assigned the next highest applicable factor and so forth. If one or more of the extra-risk categories of insurance fraud, auto theft or material misrepresentation apply to the insured owner, the applicable factor shall be used for both Collision and Comprehensive for each insured vehicle. RULE 25. VEHICLE SERIES RATING (Applicable to Model Years 2010 and Prior) Vehicle Series Rating (VSR) is a program applied by the Insurance Services Office (ISO) to adjust the Price New Symbols of vehicles to increase or decrease the symbol due to loss experience reflecting crash damage, ease of repair, cost of repair parts, and theft for the particular vehicle, resulting in the Rating Symbol. The Rating Symbol is used to determine a vehicle s premium for Collision, Limited Collision and Comprehensive coverage. The VSR program reviews the symbol assignments for all vehicle series up to five times: when the model year is introduced and in each of the subsequent annual VSR review years. The symbol for a particular series may be upsymbolled, downsymbolled, or may remain the same. Reassignment of symbols shall be effective with 2006 and subsequent model year vehicles and may only be applied at policy issuance or renewal. A policy shall not be changed mid-term solely due to a change in symbol assignment based on symbol review. RULE 26.1 TIER ASSIGNMENT This rule applies to all vehicle types. A. DeterminingThe Assigned Tier Tier assignment is determined at the policy s inception, at renewal and when a policy is endorsed. Tier assignments are on a policy level but determined by evaluating policy and operator characteristics. To determine the tier begin by identifying the risk characteristics for each policy and rated operator. Apply the characteristics to the tier definition shown below in consecutive order. If a policy or rated operator does not meet the requirement of a tier, continue onto the next tier until a tier has been determined. Tier I. Corresponding Account with Personal Umbrella Liability Endorsement. 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay State) and; 2. Have a Personal Umbrella Liability Endorsement attached to the Homeowners policy and; 3. Have 3 or fewer intent -to- cancel notices in each of the last three years. 27

138 Tier II. Corresponding Account 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay Sate) or MPIUA (Fair Plan) and; 2. Have 3 or fewer intent -to- cancel notices in each of the last three years. Tier III. Renewal Policies-(without a supporting homeowners and or personal umbrella.) Tier IV. 1. Any policy that has been insured with Quincy Mutual for more than one continuous year that does not have a supporting account or supporting account with an umbrella; and 2. Has three or fewer intent -to- cancel notices in each of the last three years. 1. New Business Policy With: a. Continuously Insured Rated Operator; or b. Multiple vehicles or the Multi-Car Discount has been applied; or 2. Renewal Policy with four or more intent -to- cancel notices in any one of the previous three years. A rated operator has been continuously insured if they have been without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. Tier V. Basic Tier- New Business Policy- All Other *This tier includes any rated operator not otherwise eligible for Tiers I through IV. The basic tier will be made up of new policies that are not supported by a homeowner policy and are single car policies where the rated operator is not continuously insured. B. Tier Rating Factor Apply the appropriate tier factor below to the base premiums as shown on the appropriate rating worksheet from pages RW 1-6 and in accordance with Rule. 11. Premium Determination. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. Tier I Tier II Tier III Tier IV Tier V See Tier V rate pages. RULE 26.2 RISK UNDERWRITING FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. A Risk Underwriting Factor will be applied to each vehicle based upon an evaluation of policy and operator risk characteristics. The Risk Underwriting Factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. The Risk Underwriting Factor is determined at policy inception and will be updated upon renewal and when a policy is endorsed. The Risk Underwriting Factor will be determined based upon the following six criteria: 28

139 Minimum years licensed of all operators listed on the policy(including deferred and excluded) Years licensed of the assigned operator Count of number of operators listed on the policy (including deferred and excluded) Policy status new or renewal Presence of a deferred operator on the policy Minimum infraction count of at fault accidents and traffic violations for all operators listed on the policy. The experience period for infractions is the six years immediately preceding the effective date of the policy. To determine your Risk Underwriting Factor, find the description above one of the following three tables that meets the policy characteristics. The years of driver experience is based upon a listed operators date first licensed. The number of years licensed will be determined by the number of full years the operator has held a valid United States driver s license as of the effective date of the policy. If the minimum years of driving experience for ALL operators listed on a policy is 12 to 45 years, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience 1.00 Assigned operators with 20 + years of experience and 1.00 only one operator listed Assigned operators with 20 + years of experience and or more operators listed and no infractions for any listed operator Assigned operators with 20 + years of experience and or more operators listed with 1 or more infractions for any operator listed If the minimum years of driving experience for ALL operators listed on a policy is 46 or greater, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with 1.08 > 55 years of experience Renewal Business with Assigned Drivers with 1.08 > 55 years of experience and only one operator listed on the policy Renewal Business with Assigned operators with > years of experience and no deferred operators and 2 or more listed operators on the policy Renewal Business with Assigned operators with > years of experience and having a deferred operator If the minimum years of driving experience for ANY operator listed on a policy is <12, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with <20 or > years of experience Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and only one operator listed on the policy Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and 2 or more operators listed on the policy Renewal Business with Assigned operators with <20 or 1.00 > 55 years of experience and having a deferred operator and 2 or more operators listed on the policy. 29

140 Tier II. Corresponding Account 1. The Named insured must have a supporting homeowners policy (all policy forms) that is written with Quincy Mutual, The Andover Companies, (Merrimack Mutual, Cambridge Mutual or Bay Sate) or MPIUA (Fair Plan) and; 2. Have 3 or fewer intent -to- cancel notices in each of the last three years. Tier III. Renewal Policies-(without a supporting homeowners and or personal umbrella.) Tier IV. 1. Any policy that has been insured with Quincy Mutual for more than one continuous year that does not have a supporting account or supporting account with an umbrella; and 2. Has three or fewer intent -to- cancel notices in each of the last three years. 1. New Business Policy With: a. Continuously Insured Rated Operator; or b. Multiple vehicles or the Multi-Car Discount has been applied; or 2. Renewal Policy with four or more intent -to- cancel notices in any one of the previous three years. A rated operator has been continuously insured if they have been without a lapse in coverage during the 12 months preceding the effective date of the policy. A rated operator is considered continuously insured if the operator was the named, listed, or rated insured on an automobile insurance policy for the 12 months preceding the effective date of the policy. Tier V. Basic Tier- New Business Policy- All Other *This tier includes any rated operator not otherwise eligible for Tiers I through IV. The basic tier will be made up of new policies that are not supported by a homeowner policy and are single car policies where the rated operator is not continuously insured. B. Tier Rating Factor Apply the appropriate tier factor below to the base premiums as shown on the appropriate rating worksheet from pages RW 1-6 and in accordance with Rule. 11. Premium Determination. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. Tier I Tier II Tier III Tier IV Tier V See Tier V rate pages. RULE 26.2 RISK UNDERWRITING FACTOR- Not applicable in Tier V This rule applies to private passenger vehicles as defined in Rule 27. A Risk Underwriting Factor will be applied to each vehicle based upon an evaluation of policy and operator risk characteristics. The Risk Underwriting Factor is applied to the Base Premiums as shown in Rule 11. Premium Determination Rule. The rating sequence is shown on our Rating worksheet page RW-1. The factor applies to all coverage parts on a per vehicle basis for which a premium is shown on the coverage selections page. The Risk Underwriting Factor is determined at policy inception and will be updated upon renewal and when a policy is endorsed. The Risk Underwriting Factor will be determined based upon the following six criteria: 28

141 Minimum years licensed of all operators listed on the policy(including deferred and excluded) Years licensed of the assigned operator Count of number of operators listed on the policy (including deferred and excluded) Policy status new or renewal Presence of a deferred operator on the policy Minimum infraction count of at fault accidents and traffic violations for all operators listed on the policy. The experience period for infractions is the six years immediately preceding the effective date of the policy. To determine your Risk Underwriting Factor, find the description above one of the following three tables that meets the policy characteristics. The years of driver experience is based upon a listed operators date first licensed. The number of years licensed will be determined by the number of full years the operator has held a valid United States driver s license as of the effective date of the policy. If the minimum years of driving experience for ALL operators listed on a policy is 12 to 45 years, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience 1.00 Assigned operators with 20 + years of experience and 1.00 only one operator listed Assigned operators with 20 + years of experience and or more operators listed and no infractions for any listed operator Assigned operators with 20 + years of experience and or more operators listed with 1 or more infractions for any operator listed If the minimum years of driving experience for ALL operators listed on a policy is 46 or greater, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with 1.08 > 55 years of experience Renewal Business with Assigned Drivers with 1.08 > 55 years of experience and only one operator listed on the policy Renewal Business with Assigned operators with > years of experience and no deferred operators and 2 or more listed operators on the policy Renewal Business with Assigned operators with > years of experience and having a deferred operator If the minimum years of driving experience for ANY operator listed on a policy is <12, apply the Underwriting factors as follows: Criteria Factor Assigned operators with years of experience.99 New Business with Assigned operators with <20 or > years of experience Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and only one operator listed on the policy Renewal Business with Assigned operators with <20 or > years of experience and no deferred operators and 2 or more operators listed on the policy Renewal Business with Assigned operators with <20 or 1.00 > 55 years of experience and having a deferred operator and 2 or more operators listed on the policy. 29

142 Quincy Mutual Group MASSACHUSETTS MANDATORY ENDORSEMENT QM-M-0099-S (10 13) This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to see how it affects your policy. Optional Insurance (Page 13): Paragraph 5. is deleted and replaced by the following: 5. For bodily injury or property damage caused by intentional acts committed or caused by you, a household member, or any other person using your auto with your consent. This exclusion applies even if the bodily injury or property damage is different from, or greater than, that which is expected or intended. Part 5. Optional Bodily Injury to Others (Page 14): Paragraph 5. is deleted and replaced by the following: 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to: 1. private passenger autos, or 2. pick-up trucks, vans, or similar vehicles having a gross weight of less than 10,000 pounds; not used for the delivery or transportation of goods, products, or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. General Provisions and Exclusions (Page 30): The following are added to your policy: 21. Actual Cash Value Whenever the appraised cost of repair of an auto plus the probable salvage value of the auto may be reasonably expected to exceed the actual cash value of the auto, we shall determine the auto s actual cash value. Our determination shall be based on a consideration of all of the following factors: QM-M-0099-S (10 13)

143 1.) the retail book value for an auto of like kind and quality, but for the damage incurred; 2.) the price paid for the auto plus the value of prior improvements to the auto at the time of the accident, less appropriate depreciation; 3.) the decrease in value of the auto resulting from prior unrelated damage which is detected by the appraiser; and 4.) the actual cost of purchase of an available auto of like kind and quality, but for the damage sustained. 22. We Do Not Pay For Personal Vehicle Sharing We will not pay damages or benefits under any Part of this policy while your auto is being used in a personal vehicle sharing program. There will be no coverage for bodily injury or property damage. A personal vehicle sharing program allows for the sharing of autos with persons other than you or a household member. Such programs are formed under the terms of a written agreement and for payment. QM-M-0099-S (10 13)

144 MASSACHUSETTS AUTOMOBILE RENEWAL FORM (STATEMENT OF FACTS) ISSUED BY: POLICY NUMBER: POLICY RENEWAL DATE: INSURED NAME AND ADDRESS: AGENT NAME AND ADDRESS: Dear Insured, It is very important that we have accurate driver and garaging information. All household members who are licensed to drive and any individual(s) that regularly use your autos must be listed on your policy s Coverage Selection Page. You must also verify where your vehicles are garaged. Failure to list all licensed household members and individual(s) who regularly operate your autos, and the failure to provide accurate garaging information may reduce or eliminate coverages under your policy. Please verify this information and make any necessary changes. It is your obligation to review this renewal form. You further warrant that the information contained is true, accurate, and complete and that no material facts have been omitted, misrepresented or misstated. Operators currently shown on your policy: Our records show the following individuals are licensed household members or have regular access to your autos. Lic. Date First Licensed % of Use for Auto Please indicate the reason for any changes Opr. Operator Name Date of Birth License Number St. Auto Motorcycle Veh Veh Veh Veh (for example, "Driver Added" or No. mm/dd/yy mm/dd/yy mm/dd/yy "Corrected Information") Vehicles currently shown on your policy: Our records show the following automobiles are listed on your policy and are garaged at the location(s) listed below. Veh # Year Make and Model of Vehicle Garaging Location Please indicate the reason for any changes (for example, "Vehicle Deleted" or "Garaging Location Changed") Important Notice: If you or someone on your behalf knowingly gives us false, deceptive, misleading or incomplete information in this application and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts, we may also limit payments under Part 3 and Part 4, and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of household members, and customary operators required to be listed. IF YOU ARE MAKING CHANGES OR CORRECTING INFORMATION, PLEASE SIGN THIS FORM AND RETURN IT TO YOUR AGENT AT THE ADDRESS LISTED ABOVE. DATE INSURED'S SIGNATURE DO NOT RETURN THIS FORM IF THE VEHICLE, VEHICLE GARAGING AND DRIVER INFORMATION LISTED ABOVE IS ACCURATE OR IF YOU ARE NOT ATTACHING ANY DOCUMENTATION FOR CREDITS/DISCOUNTS (SEE REVERSE FOR DESCRIPTION OF CREDITS/DISCOUNTS AND REQUIRED DOCUMENTATION) 10/13

145 Credits and Discounts Available: Please review the following questions. If you answer "YES" to any of these questions, you may be eligible for a credit/discount. If you have any questions about these credits/discounts, or the verification information required in order to receive the credit/discount, please contact your agent. YES NO 1. Do you travel less than 7,500 miles a year? If YES, you may be eligible for a discount, contact your agent for further information. If we can verify this information from the Registry of Motor Vehicles we will apply the credit, otherwise, you must reapply on an annual basis. YES NO 2. Is your home insured by Quincy Mutual Group (Quincy Mutual Fire Insurance Company or New England Mutual Insurance Company) or Andover Companies (Cambridge Mutual, Merrimac Mutual, Baystate Mutual) or the Massachusetts Property Insurance Underwriting Association)? If YES, you may be eligible for up to 30% credit on your Homeowners policy. Include the policy number and the name of the insurance company or contact your agent for further information. YES NO 3. Are there any inexperienced operators (less than 6 years of driving experience) listed on your policy who maintain a grade point average of 3.0 (B) or better? If YES attach a certificate completed by a school official who can verify the operator's academic record or contact your agent for further information. (This discount is removed when the policy expires. You must apply for this Good Student discount every time the policy is renewed.) YES NO 4. Are there any inexperienced operators (less than 6 years of driving experience) listed on your policy who is a student and lives more than 100 miles or more from your residence premises? If YES provide the name of the school and where it is located. (This discount is removed when the policy expires. You must apply for this Student Away discount every time the policy is renewed.) Important Coverage Questions: Please review the following questions. If you answer "YES" to any of these questions you should contact your agent immediately in order to verify that you have the correct coverage on your policy. YES NO 1. Have you customized any vehicle or motorcycle listed on your policy? Examples of customization includes installing electronic equipment or custom furnishings; non-auto antennas; awnings, cabanas, or any equipment that creates additional living space. YES NO 2. Are any of your vehicles listed on your policy used for business or occupational duties other than commuting to and from work? For example, deliveries, business calls or transporting someone for a fee. YES NO 3. Are there any licensed driver(s) not currently listed on your policy who regularly operate any vehicle that is currently listed on your policy? YES NO 4. Are there any licensed household members that are not currently listed on your policy? YES NO 5. Are you, or any licensed household member, operating a motor vehicle without a Massachusetts license? Note that Massachusetts law requires that you obtain a Massachusetts license within one year. Failure to obtain a MA license could result in non-renewal of your policy. For more information on this matter consult the Registry of Motor Vehicles website at www. mass.gov/rmv If you answered YES to any of the above questions, please contact your Insurance agency: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines or a denial of insurance benefits.

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