RULE G-01. COVERAGES RULE G-02. DETERMINATION OF RATING TERRITORY - ALL COVERAGES RULE G-03. POLICY PERIOD - TERM RULES RULE G-04. AUTOMOBILE INSTALLMENT PAYMENTS RULE G-05. CANCELLATIONS AND CHANGES A. CANCELLATIONS B. CHANGES RULE G-06. SUSPENSION OF COVERAGE RULE G-07. INCREASED LIMITS AND EXCESS INSURANCE RULE G-08. SERVICES FEES A. RETURNED CHECKS B. CERTIFIED RISKS RULE G-09. EMERGENCY DEPLOYMENT DISCOUNT RULE G-10. CUSTOMIZED VEHICLES RULE G-11. RATE CAPPING RULE G-12. PRE-INSURANCE INSPECTION PLAN Index(1)
*RULE G-12. PRE-INSURANCE INSPECTION PLAN A. In addition to the mandatory inspection waivers required by 211 CMR 94.00, a pre-insurance inspection may also be waived for a vehicle that meets all of the following criteria: 1. the vehicle is insured on a policy issued by GEICO or GEICO General; 2. the vehicle is rated and registered in the Commonwealth of Massachusetts; and 3. the vehicle carries physical damage coverage. Waivers will be uniformly applied to all vehicles rated and registered in Massachusetts, regardless of: (1) the garaged location of the vehicle, and (2) whether the policy was issued through the residual market. Furthermore, this universal waiver plan will not be based (in whole or part) on the age, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of any applicant/insured or any customary operator of any vehicle. B. If a pre-insurance inspection is required, physical damage coverage(s) will not be added to the vehicle until GEICO/ GEICO General receives confirmation of the completed inspection. A request for inspection will not be based on: (1) the garaged location of the vehicle, or (2) whether the policy was issued through the residual market. Furthermore, any inspection request will not be based (in whole or part) on the age, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of any applicant/insured or any customary operator of any vehicle. All pre-insurance inspections will be conducted by an authorized representative of GEICO/ GEICO General at a time and place reasonably convenient to the applicant. G-12(1) Reprinted 08/13/2010
RULE G-01. COVERAGES RULE G-02. DETERMINATION OF RATING TERRITORY - ALL COVERAGES RULE G-03. POLICY PERIOD - TERM RULES RULE G-04. AUTOMOBILE INSTALLMENT PAYMENTS RULE G-05. CANCELLATIONS AND CHANGES A. CANCELLATIONS B. CHANGES RULE G-06. SUSPENSION OF COVERAGE RULE G-07. INCREASED LIMITS AND EXCESS INSURANCE RULE G-08. SERVICES FEES A. RETURNED CHECKS B. CERTIFIED RISKS RULE G-09. EMERGENCY DEPLOYMENT DISCOUNT RULE G-10. CUSTOMIZED VEHICLES RULE G-11. RATE CAPPING RULE G-12. PRE-INSURANCE INSPECTION PLAN Deleted: RULE G-01. COVERAGES RULE G-02. DETERMINATION OF RATING TERRITORY - ALL COVERAGES RULE G-03. POLICY PERIOD - TERM RULES RULE G-04. AUTOMOBILE INSTALLMENT PAYMENTS RULE G-05. CANCELLATIONS AND CHANGES A. CANCELLATIONS B. CHANGES RULE G-06. SUSPENSION OF COVERAGE RULE G-07. INCREASED LIMITS AND EXCESS INSURANCE RULE G-08. SERVICES FEES A. RETURNED CHECKS B. CERTIFIED RISKS RULE G-09. EMERGENCY DEPLOYMENT DISCOUNT RULE G-10. CUSTOMIZED VEHICLES RULE G-11. RATE CAPPING Deleted: 4 Deleted: 01 Index(1)
*RULE G-12. PRE-INSURANCE INSPECTION PLAN A. A pre-insurance inspection may be waived for a vehicle that meets all of the following criteria: 1. the vehicle is insured on a policy issued by GEICO or GEICO General; 2. the vehicle is rated and registered in the Commonwealth of Massachusetts; and 3. the vehicle carries physical damage coverage. Waivers will be uniformly applied to all vehicles rated and registered in Massachusetts, regardless of: (1) the garaged location of the vehicle, and (2) whether the policy was issued through the residual market. Furthermore, this universal waiver plan will not be based (in whole or part) on the age, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of any applicant/insured or any customary operator of any vehicle. B. If a pre-insurance inspection is required, physical damage coverage(s) will not be added to the vehicle until GEICO/ GEICO General receives confirmation of the completed inspection. A request for inspection will not be based on: (1) the garaged location of the vehicle, or (2) whether the policy was issued through the residual market. Furthermore, any inspection request will not be based (in whole or part) on the age, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of any applicant/insured or any customary operator of any vehicle. All pre-insurance inspections will be conducted by an authorized representative of GEICO/ GEICO General at a time and place reasonably convenient to the applicant. Deleted: Formatted: Font: (Default) Arial, 10 pt Formatted: Normal Formatted: Bullets and Numbering Formatted: Indent: Left: 0.25" Formatted: Bullets and Numbering Formatted: Bullets and Numbering Formatted: No underline Formatted: Normal G-12(1)
GEICO GENERAL INSURANCE COMPANY AUTOMOBILE CHANGE SHEET Revised page Index(1) replaces current page of same number currently on file. New page G-12(1) added. File No.: 2010-226 New Business: 09/23/2010 Renewals: 11/08/2010
RULE G-01. COVERAGES RULE G-02. DETERMINATION OF RATING TERRITORY - ALL COVERAGES RULE G-03. POLICY PERIOD - TERM RULES RULE G-04. AUTOMOBILE INSTALLMENT PAYMENTS RULE G-05. CANCELLATIONS AND CHANGES A. CANCELLATIONS B. CHANGES RULE G-06. SUSPENSION OF COVERAGE RULE G-07. INCREASED LIMITS AND EXCESS INSURANCE RULE G-08. SERVICES FEES A. RETURNED CHECKS B. CERTIFIED RISKS RULE G-09. EMERGENCY DEPLOYMENT DISCOUNT RULE G-10. CUSTOMIZED VEHICLES RULE G-11. RATE CAPPING RULE G-12. PRE-INSURANCE INSPECTION PLAN Index(1)
*RULE G-12. PRE-INSURANCE INSPECTION PLAN A. A pre-insurance inspection may be waived for a vehicle that meets all of the following criteria: 1. the vehicle is insured on a policy issued by GEICO or GEICO General; 2. the vehicle is rated and registered in the Commonwealth of Massachusetts; and 3. the vehicle carries physical damage coverage. Waivers will be uniformly applied to all vehicles rated and registered in Massachusetts, regardless of: (1) the garaged location of the vehicle, and (2) whether the policy was issued through the residual market. Furthermore, this universal waiver plan will not be based (in whole or part) on the age, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of any applicant/insured or any customary operator of any vehicle. B. If a pre-insurance inspection is required, physical damage coverage(s) will not be added to the vehicle until GEICO/ GEICO General receives confirmation of the completed inspection. A request for inspection will not be based on: (1) the garaged location of the vehicle, or (2) whether the policy was issued through the residual market. Furthermore, any inspection request will not be based (in whole or part) on the age, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of any applicant/insured or any customary operator of any vehicle. All pre-insurance inspections will be conducted by an authorized representative of GEICO/ GEICO General at a time and place reasonably convenient to the applicant. G-12(1)
GEICO GENERAL INSURANCE COMPANY FILING MEMORANDUM Specifically, we propose to introduce a new rule, Rule G-12, Pre-Insurance Inspection Plan, to the General Rules section for both GEICO and GEICO General. Pursuant to 211 CMR 94.06, this new rule will permit us to waive inspections in both companies when all of the following criteria are met: 1. the vehicle is insured on a policy issued by GEICO or GEICO General; 2. the vehicle is rated and registered in the Commonwealth of Massachusetts; and 3. the vehicle carries physical damage coverage. Implementing this waiver plan will not have a negative impact on consumers; conversely, it will be to the benefit of consumers for GEICO and GEICO General to waive the pre-insurance inspection requirement for all vehicles meeting the above criteria.