Unitrin Homeowners Program rate rule revision in California

Effective March 1, 2010 for new and renewal business, Unitrin Auto and Home Insurance Company and Kemper Independence propose revisions to the California Homeowner Program. The changes result in an overall increase of 2.49%. The implementation of this filing will be contingent on the approval of a separate form filing (SERFF # KEMP-126178237). All revisions can be found in the included Rate Workbook and Manual. Below is a summary of the change:
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Revise Base Rates for all Homeowner forms
Introduce an additive component to the base rates by form
Revise territory definitions
Revise Protection Class factors for all forms
Revise Amount of Insurance factors and definitions for all forms
Revise Loss Record factors for all forms
Revise Age of Dwelling factors
Revise Deductible factors on options 10K and higher
Revise gun rates
Revise Ordinance & Law coverage
Remove deductible dollar caps for rating simplification
Introduce our Plus and Classic (with minor coverage adjustments) coverage levels to Monoline customers to satisfy market conduct objection
Upgrade the Elite coverage level, which will now be referred to as Ultimate
Revise Billing Fees for all property lines
Revise Mold coverage
Revise Home Purchase/Inspection Discount rules
Revise Water Backup coverage rule

RFC Number(s): CAP18346

Date First Appeared: 07/01/2009

Westfield Wespak Estate rate revision of 7.3% increase in MN

Westfield Insurance's Wespak Estate Program, an auto and homeowners program, filed a 7.3% rate increase in Minnesota. This filing will be effective on October 13, 2009 for new and renewal business and contains the following revisions:
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PRIOR CARRIER DISCOUNT- Revised the discount to 2 percent, previously was 5 percent.

TERRITORIES- Revised note at the bottom of manual page to include "and the townships of Northfield and Bridgewater. It also includes the townships of Waterford, Greenvale and Sciota in Dakota County"

GROUP DISCOUNT- This is a new rule.

TERRITORIES / PREMIUM GROUPS- Revised the note at the bottom of the manual page to include "and the townships of Northfield and Bridgewater. It also includes the townships of Waterford, Greenvale and Sciota in Dakota County"; Revised the unities for Owners Forms for all premium groups.

Added new "F. Group Discount Factor" in Step One of the rating worksheet

Updated Forms Listing
HE 5022 (07-09) Minnesota Estatepak Policy
HO 2007 (04-09) Equipment Breakdown Enhancement Endorsement
Section I & II- Additional Coverages
Section II & III- Personal Liability
Section II - Conditions

RFC Number(s): MNP50421

Date First Appeared: 06/30/2009

Affirmative Insurance personal auto files 12% increase in Michigan

Affirmative Insurance Company of Michigan filed a 12% overall rate increase for their Non-Merit Private Passenger Auto Program in Michigan. This filing will have an effective date of September 15, 2009 for new business and January 19, 2010 for renewal business. This filing is introducing a new program that will replace the current program. The company will be utilizing a new rating algorithm and tiering structure, although territory definitions will remain the same. Also, included in the filing is a new underwriting guideline that will replace the current version. A rate cap will be used to limit the impact of the rate change. Customer changes will be capped within the range from -1.5% to +35% (excluding any fees). This program does not utilize any credit variables in the rating structure.

RFC Number(s): MIP22131

Date First Appeared: 06/29/2009

Nationwide (NICOA) homeowners filed 34.8% increase in California

Nationwide Insurance Company of America (NICOA) proposed a 34.8% rate increase for the homeowners program in California. The proposed effective date will be December 12, 2009 for new and renewal business. This is an update of a previous filing (CDI No. 08-14767) with an effective date of July 8, 2009 requesting for 20.1% rate increase. The proposed rating plan changes are as follows:

Implement Modified Claims Free Discount
Revise Merit Rating Factors
Remove Retention Credit
Implement Personal Status Discount - Personal Status Discount; Marital Status Discount
Implement Associate Discount -Nationwide Associate Discount
Revise Age of Construction Discount
Revise Home Renovation Discount
Revise Age of Insured Discount
Revise Protection/Construction Class Factors
Revise Amount of Insurance Relativities (All Forms)
Revise Deductible Factors
Revise Maximum Credit for Deductible Options
Revise Home Purchase Discount
Revise Form Factors
Revise Additional Coverage A for HO-6 Rate
Revise Auxiliary Heating
Remove Suburban Protection Plan
Revise Base Rates

RFC Number(s): CAP18341

Date First Appeared: 06/26/2009

State Farm personal auto base rates revision in Indiana

Effective July 20, 2009 for new and renewal business, State Farm Mutual and State Farm Fire & Casualty base rates were revised for bodily injury and property damage liability coverage. All other rating factors remain unchanged.

RFC Number(s): INP23610, INP23611

Date First Appeared: 06/25/2009

Infinity personal auto Low Cost Program rate revision in Pennsylvania

Infinity Low Cost Non-Standard Automobile Program underwritten through Infinity Indemnity Insurance Company. This filing has an effective date of July 13, 2009 for new business and August 22, 2009 for renewal business. The company is requesting adjustments to this program that vary by coverage and result in an overall change of -0.15%. Proposed factor adjustments include changes to territory factors, deductible factors, violation point assignments, limited comprehensive discount factor, fee schedule, and model year factors. This filing also provided an updated VIN table and minor structural changes were also made in the addition of new factors for split deductible combinations and a new rental reimbursement limit. Finally, base rates were adjusted to achieve an overall change of -0.15%.
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This filing is also requesting to change the current new business processing fee amount from $10 to $15. The processing fee applies to each new policy's down payment. The proposed change is being requested in response to deteriorating economic conditions and declining retention. Note that processing fee on renewal policies remains unchanged. This change only applies to new business.

RFC Number(s): PAP50447

Date First Appeared: 06/23/2009

Travelers Homeowners rate revision in Pennsylvania

Travelers filed an overall rate level effect of +2.75% all changes for Homeowners and High Value Homeowners Program, effective on or after September 15, 2009. With this filing, the changes applies to homeowners program in Farmington Casualty Company, Phoenix Insurance Company, Travelers Indemnity Company, Automobile Insurance Company of Hartford, Connecticut, Charter Oak Fire Insurance Company, and Travelers Indemnity Company of America. The companies are revising base rates for Dwelling and Condo forms and rate changes will vary by Pricing Track and Policy Form. The overall base rate impact is +2.88%.

RFC Number(s): PAP5784

Date First Appeared: 06/22/2009

Progressive 7.0 Agency Auto update in Colorado

Effective June 8, 2009 for new business and July 8, 2009 for renewal business. The overall rate change for this revision is 0.0%. The rate change is 0.1% for Progressive Casualty Insurance Company, Progressive Specialty Insurance Company and Progressive Mountain Insurance Company, and 0.0% for Progressive Preferred Insurance Company.
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7.0 Auto filing is the updated version of the existing Colorado agency product. This filing is modifying the existing discounts for those who own homes, choose full coverage, have multiple cars, and/or choose an EFT bill plan. New discounts include one for Continuous Insurance -a discount for customers who have tenure with their prior carrier, and a discount for Residency -lower rates for customers without proof of prior insurance who have lived in the same residence for a year or more. This filing is also introducing a $50 deductible for glass replacement claims and new bill plans that allow a customer to select their installment due date. With the 7.0 product, Progressive will be implementing the rate stability rule which has already been approved by the Division, with effective dates as described above.
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Progressive will introduce MyRate, a usage-based personal auto product, for CO independent agents. Per C.R.S. 10-4-629 and Regulation 5-2-12, the Division has determined that MyRate UBI program to represent a driver classification in and of itself and any rate movement within this classification would not be considered a reclassification requiring a notice of premium increase. The company and the Division acknowledged the interpretation that existing notifications of premium increase for factors such as motor vehicle convictions, credit score changes, and at-fault accidents will continue, regardless of whether an insurance policy contains vehicles enrolled in the MyRate program.

RFC Number(s): COP22770

Date First Appeared: 06/19/2009

National Union Fire offers Corporate Counsel Premier® in California

The Corporate Counsel Premier® (CCP) is a new program that provides errors and omissions coverage for lawyers and supporting legal staff employed by an entity other than a law firm, who perform legal services. The coverage provided by the CCP policy includes legal work and/or securities work performed for the corporation and pro bono and/ or "moonlighting" services performed for clients other than the corporation. Premiums for this E&O liability coverage are based on number of attorneys, the limit and retention requested, and an evaluation of the same core considerations for all risks, including insured's loss history, claims made and/ or paid, loss control measures in place; nature of the legal work performed/provided by the corporate counsel; extent of the moonlighting and/ or pro bono work performed/ provided by the corporate counsel; experience level of the corporate counsel department; the insured's financial stability; and the insured's continuity of operations (i.e., potential mergers or other securities offerings). This filing will be effective for all policies on or after July 10, 2009.
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The CCP rates are currently in use in 38 states. The standard base premium for each risk is based upon underwriting judgment, with each exposure priced in a marginally decreasing fashion. This program use same Limit Retention Factor Tables that are currently in use in the company's Miscellaneous Professional Liability (MPL) rating manual. The CCP Rating Manual also utilizes other rating factors, which are also similar to the factors used in the MPL rating plan filed in California. Additional rating factors in the CCP rate plan are coverage specific based on underwriting and actuarial judgment.

RFC Number(s): CAC43088

Date First Appeared: 06/18/2009

USAA HO-2008 Program replaces current HO-93 in MN with 20% rate effect

USAA Group's HO- 2008 Homeowners Program will replace the current HO-93 Homeowners Program. USAA Group (USAA, USAA-Casualty Ins Co, USAA-General Indemnity Co, and Garrison) filed to revise Homeowners premiums with an overall effect of 20.0%. It will consist of three contracts, forms and numerous endorsements, HO-3R Special Form, HO-6R Unit-Owners Form, and HO-9R Preferred Protection Plan. Forms HO-3R and HO-9R are written on owner occupied dwellings while the HO-6R is for unit-owners occupying condominium and cooperative units. For new business, an effective date of October 10, 2009, these revisions will apply to policies written on or after September 26, 2009. For renewal business, an effective date of December 10, 2009 and these revisions will apply to all policies.
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An integral part of the new program is the introduction of a redesigned rating plan for both Owners and Unit-Owners forms. This new rating plan will improve USAA's ability to offer a fair and competitive rate. The major improvements are in moving the rating formula to a multiplicative structure. Rating structures at the peril level are also being introduced, further improving pricing accuracy.
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The new rating plan was developed using a multivariate approach to analysis called generalized linear modeling (GLM). GLM indications were developed using USAA Homeowners pure premium data for the two policy years ending June 30, 2006 evaluated as of March 31, 2007. Frequency and severity were analyzed separately using GLM.
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Several new rating structures are being introduced with this new rating plan namely, Claims Free Discount, Auto and Homeowners Combination Discount, Claims Activity Surcharge, Square Footage rating. The existing townhouse/row house rating structure is being eliminated. Renewal premiums will be capped to mitigate the impact of this revision.
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Two endorsements that were previously optional, Replacement Cost Coverage on Contents and Water Backup or Sump Pump Failure, will now be included with all Homeowners policies at no additional charge. A new Special Loss Settlement Endorsement is being introduced to expedite loss settlement in certain instances. It will be attached to all policies at no additional charge.
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Tier placement will be re-evaluated at each renewal. Insurance credit score, based on the ChoicePoint Attract One credit model, will be ordered every two years on each homeowners policy and the score will be considered in tier placement. Tier Placement Guidelines are considered confidential and exempt from public disclosure.

RFC Number(s): MNP50385

Date First Appeared: 06/17/2009

New York Personal Auto Flex Filings for AIG Indemnity, Landmark and New Hampshire

AIG Indemnity and Landmark Insurance proposed rate change for the state of New York under the new flex filing regulations (Ch 136 of NY Insurance Law, Former SB08624). The overall rate level effect of the proposed change is +5%. The effective date for new and renewal business was January 16, 2009. The rate changes by coverage are being applied flat across all territories. The company has current New York department prior approval filing (NY number R2008000797 and R200800798) outstanding that was originally submitted February 25, 2008. Given the significant rate need in these underwriting companies, the companies request that the pending prior approval filing remain under the consideration of the Commissioner for approval. This filing will be adjusted for the impact of the flex filing upon its approval.
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The Auto Plan Take Out Program for the New Hampshire Insurance Company serves as a depopulation mechanism for the New York Automobile Insurance Plan. In 2002, American International Companies entered into an agreement with The Robert Plan to act as the Managing General Agent (MGA) for this program as part of the overall Master Agreement between AIG and The Robert Plan. On April 1, 2006, The Robert Plan ceased operating as the MGA for this program. In anticipation of this, a moratorium was placed on new business in the fall of 2005, and such moratorium continues today. This file and use filing is for an overall rate level increase of +5.0% for this program. This filing has an effective date of January 5, 2005 for new business and February 24, 2009 for renewal business.

RFC Number(s): NYP5315, NYP23632

Date First Appeared: 06/11/2009

MedPro Introduces Nurse Practitioner & Physician Assistant Programs in PA

Medical Protective Company introduces new Nurse Practitioner and Physician Assistant rates, rules and forms for individual healthcare professionals. These will be effective July 1, 2009 for both new and renewal business. The proposed rates represent a new product available to the thousands of Nurse Practitioners and Physician Assistants who do not have their professional liability insurance provided by their primary physicians practice or hospital.
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Medical Protective's filing is based on the most recent publicly available countrywide Nurse Practitioner data from CNA. The Physician Assistant program is based on the most recent publicly available countrywide data from Granite State Insurance Company and Lexington Insurance Company where it is being written on a surplus lines basis.

RFC Number(s): PAC51112, PAC51113

Date First Appeared: 06/10/2009

Michigan Titan Traditional Auto Proposed 13% Increase

Titan Insurance private passenger automobile program proposed rate increase requests an effective date of July 13, 2009 for new business and August 13 2009 for renewal business. Included is support that demonstrates credibility indicated rate level of 16.4% which exceeds the rate level requested. The indicated rate need is driven by continued deterioration in PIP. This filing includes a revision to the 2009-2010 MCCA assessment and revisions to base rates, territory factors and deductible factors. The company share Governor's concerns regarding affordability and have limited the overall increase to 13%. Titan Insurance has had a long term commitment to Michigan consumers and the rate filing is important for the company to maintain rate adequacy while continuing to offer a competitively priced product.

RFC Number(s): MIP50176

Date First Appeared: 06/09/2009

State Farm Personal Auto Rate Increases in Michigan

State Farm Mutual filed an overall increase of 6.8% and 10.6% for Fire & Casualty both with an effective date of June 22, 2009 for new and renewal business.
Rating factor changes: Territorial Rating Factors, Class Rating Factors, Model Year Factors, Deductible and Insurance Rating Group (IRG) Factors, introducing Underinsured Motor Vehicle Coverage
Customer Rating Index (CRI) a renewal model CRI will be calculated beginning at the first renewal, and will be combined with the new business model results calculated at policy inception.

RFC Number(s): MIP50175, MIP50173

Date First Appeared: 06/08/2009

Allstate New Jersey Personal Auto Filed 8.9% Increase

Allstate New Jersey Insurance Company (Allstate) submitted a prior approval rate filing that was received on January 23, 2009, and submitted to the NJ Public Advocate on February 3, 2009, for an overall rate change of +15.4% (Liability+25.2%, Physical Damage 0.0%). As a result of the Department's review, Allstate amended their proposal on May 1, 2009, to an overall rate change of +8.9% (Liability +14.7%, Physical Damage 0.0%). Commissioner Steven M. Goldman has approved the captioned filing as revised. The filing will become effective July 16, 2009 for renewal business.
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The changes to Allstate's proposal were based on the Department's adjustments to Allstate's calculations which were as follows:
1) The Department determined that Allstate's revised method for determining the profit loading resulted in a higher profit loading than realized under the prior methodology. In the review of this filing, the Department used the prior methodology and resulting profit provision.
2) The Department adjusted Allstate's expenses to account for collected installment fees, premium write-offs and reduction in workforce.
3) The Department used Loss Trend Selections for Bodily Injury and Uninsured Motorists coverages that match ISO's. The loss trends for the remaining coverages were based on credibility-weighting of Allstate's current (12-point trend) and prior (Department File #08-0295) trend information.

RFC Number(s): NJP23970

Date First Appeared: 06/04/2009

Travelers Quantum Auto Offers IntelliDrive in Connecticut

Travelers IntelliDrive have been filed in IL, OH, OR, VA and now in CT. The CT filing is still pending approval with a proposed effective date of June 21, 2009 for new and renewal business.
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CT: Effective June 21, 2009
OR: Effective May 17, 2009
IL and OH: Effective February 22, 2009
VA: Effective November 23, 2008
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Travelers Quantum Auto Program introduced two new credits:
IntelliDrive Participation Credit and IntelliDrive Mileage Credit.
Some additional filing information:
Modified existing annual mileage table for IntelliDrive
New table for IntelliDrive Participation and Mileage Credit factors
Revised manual pages for eligibility and credits application
Travelers will analyze driving data over a 12-month period
Automatic re-enrollment in IntelliDrive as regular policy renewal
Early devise removal fee applies on participation of less than 12 months
Data collection device designed for 1996 or newer models
IntelliDrive mileage data offers additional discounts - up to 20 percent

RFC Number(s): VAP3117, ILP50010, ORP24605, OHP23358, CTP21692

Date First Appeared: 06/03/2009

State Fund in California Filed 15% Rate Increase

Effective July 1, 2009 for new and renewal business
This workers compensation rate submission includes the following:
Classification Minimum Premiums
Retrospective Rating Plan
Claim Deductible/ Loss Reimbursement Plan
Premium Discount
Schedule Rating or other Merit Rating Plan
Managed Care / Coordinated Benefits Provision
Excess employers liability limits

RFC Number(s): CAW3137

Date First Appeared: 06/01/2009

MedPro Physicians & Surgeons Rate Decrease in GA, MA, MD and NM

Georgia - Effective July 1, 2009 for -6.1% overall
Revised manual pages for Section II - Corporations, Partnerships and Associations and Section III - Physicians & Surgeons for the Company's Comprehensive Liability Coverage for Health Care Providers program (the rates used for this program mirror those used for the Company's Individual Physicians & Surgeons program, therefore included in this submission)
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Massachusetts - Effective July 1, 2009 for -2.4% overall
Revised state rate pages for Section II - Corporations and Partnerships and Section III - Physicians & Surgeons for the Company's Comprehensive Liability Coverage for Health Care Providers program (The rates used for this program mirror those used for the Company's individual Dentists program, therefore included in this submission.)
The corresponding forms to the Convertible Plus/Nose Coverage are included in this filing.
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Maryland - Effective July 1, 2009 for -8.0% overall
Revised manual rates for the Occurrence and Claims Made programs
Revised Partnership or Corporation Rating Rule for the Occurrence and Claims Made programs
Withdraw Practices in Pennsylvania Rating Rule for the Occurrence and Claims Made programs
Revised manual pages for Sections II and III of the Company's Comprehensive Liability Coverage for Health Care Providers Program (the rates used for this program mirror those used for the Company's Individual Physicians & Surgeons program, therefore included in this submission)
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New Mexico - Effective May 1, 2009 for -6.0% overall
Revised manual rates for the Occurrence and Claims Made programs
Revised manual pages for Section III - Physicians & Surgeons for the Company's Comprehensive Liability Coverage for Health Care Providers program (the rates used for this program mirror those used for the Company's Individual Physicians & Surgeons program, therefore included in this submission)

RFC Number(s): GAC50030, MAC50525, MDC50514, NMC50191

Date First Appeared: 05/28/2009

Hartford Introduced Renewable Energy Equipment Choice in IA, ND, PA, UT and WV

Rising energy costs and increasing awareness to protect the environment and sustain natural resources have driven consumer demand for cleaner and renewable sources of energy. In response, Hartford developed Renewable Energy Equipment Choice and submitted this filing which contains new coverage forms and endorsements. Renewable Energy Equipment Choice is a unique, cutting edge product specifically tailored to insure the exposures inherent to clean power-generating equipment. This type of coverage is largely unavailable to customers going green. Coverage for Loss of Use and Buildings /Property ancillary to power-generating equipment is optional. Every Renewable Energy Equipment Choice policy provides a minimum $100,000 limit of insurance for Debris Removal and Recycling, $100,000 for Temporary Structures in the Course of Construction, $10,000 for Pollutant Clean-up and $500,000 for Ordinance or Law. The rates and rules were developed in conjunction with The Hartford Steam Boiler Inspection and Insurance Company (HSB). HSB reinsures 100% of Hartford's Equipment Breakdown exposures. As HSB reinsures 100% of the company's exposure, Hartford does not have the loss data in sufficient detail necessary to develop rates. For this reason, HSB provided Loss and LAE components, and related inspection and administrative expenses.

RFC Number(s): WVC50261, UTC50345, PAC11276, NDC50367, IAC50947

Date First Appeared: 05/27/2009

Allstate Indemnity Filed 10.9% Rate Increase in Tennessee

Effective June 22, 2009 for new business and August 6, 2009 for renewal business
With this filing, Allstate Indemnity Company is proposing a 10.9% rate level increase for the Owners program in the state of Tennessee. This does not include the Renters or Condominium programs. With this change, Allstate is revising the rate adjustment factor and the Home & Auto Discount. The rate adjustment factor will not vary by territory. The 10.9% rate level change will result in approximately $3.7 million of additional premium.

RFC Number(s): TNP21658

Date First Appeared: 05/26/2009

CNA EcoCare Property Upgrade Extension Endorsement in 13 states

With effective dates of April 1, 2009 and June 1, 2009 for North Carolina, new endorsement is being filed, along with their accompanying rate factors and rules for EcoCare Property in AR, DE, KY, MD, NC, NM, OH, PA, RI, SD, WA, WI and WV. This endorsement requires additional premium charges, and can only be added with the consent of the insured and is not mandatory. There are 4 endorsements being filed - specific versions for Distributors (A2), Real Estate (A3) and Service & Repair (A4) risks and one for all other risks (A1). All of these endorsements are exactly the same and would be rated exactly the same way. These various specific risk types are for marketing purposes. There is no impact to currently filed base property rates, loss cost multipliers, company deviations or package modifications.
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EcoCare Property Upgrade Extension Endorsement - G-300702
Form: This endorsement impacts the property coverage provisions to amend the like kind and quality replacement of damaged covered property with similar kind & quality property that also qualifies as 'green', which are materials or processes that are more environmentally responsible and resource efficient.
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Rate & Rule: An additional factor will apply to the Building and contents Group 1, Group 2 and Special Causes of Loss rates / premiums that are subject to this endorsement based off the % increase coverage that is selected.

RFC Number(s): WVC50023, WIC7115, WAC50372, WAC50185, SDC6625, RIC50033, PAC50337, OHC50119, NMC50423, NCC50158, MDC50416, KYC50677, KYC50606, DEC50481, ARC4208

Date First Appeared: 05/21/2009

GEICO Personal Auto Forms and Group Marketing in Massachusetts

Effective May 18, 2009, GEICO's entry to the Massachusetts personal auto market, this is the companion initial policy and endorsement form filing to their initial rate rule filing. Additional rule filings made for GEICO Group Marketing-Sponsored Marketing (list of eligible groups and associations), Group Marketing-Associate Discount (for Berkshire Hathaway Inc.) and Group Marketing-Military Discount showing group rate deviation. GEICO also filed descriptions for Installment Payment Plans, showing 6 and 12 month policy terms, with one to six payment plans with or without GEICO AutoPay Payment Plan.

RFC Number(s): MAP20767, MAP20768, MAP20769, MAP20770, MAP20771

Date First Appeared: 05/20/2009

GEICO Personal Auto Introduced in Massachusetts

With an effective date of May 18, 2009, Government Employees Insurance Company and GEICO General Insurance filing constitutes the introduction of the companies' private passenger automobile programs in Massachusetts. This filing includes rates, rules and rating factors. GEICO General rates and rules are identical to Government Employees with noted exception. Policy contracts, forms, amendments and additional rule pages will follow as we receive these filings.

RFC Number(s): MAP20765

Date First Appeared: 05/19/2009

Zurich Precision Premier Businessowners Program Revisions in PA

Precision Premier Restaurant Program effective August 1, 2009, this new program becomes the next product within a series of existing Precision Policy offerings (namely Apartment, Residential Condominium, Office, Retail, Service, Manufacturing, Wholesale and Institutional). It will provide a wide spectrum of coverage unique to the needs of a restaurant small business owner. The Restaurant Program will utilize its own distinct set of forms, rules and rates. The rates and rules underlying the Restaurant Program are those filed by and approved on behalf of the Farmers Insurance Group. There is no overall impact associated with the filing as it represents the introduction of a new Program.
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Effective July 1, 2009 Precision America, Precision Premier and Precision Specialty Contractors programs filed an overall decrease of 9.2%. These programs are independent, multi-line products that provide Commercial Multi-Peril (CMP) and Commercial Auto coverages.
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Revise GL base rates in the Tradesman Program of Precision Specialty Contractors Policy product
Revise the company multipliers of Precision America and Precision Premier Programs.
Increase the number of territory groupings in Precision America and Precision Premier
Revise territorial relativities for each territory group
Revise earthquake zone territory assignment table
Optional Rate Revisions for Boiler and Machinery
Revise age of building factors

RFC Number(s): PAC50678, PAC50848

Date First Appeared: 05/18/2009

State Farm Mutual Auto Approved 8% Rate Cut in California

Rate and Class Plan filing, effective July 6, 2009 for new and renewal business

BODILY INJURY AND PROPERTY DAMAGE LIABILITY 0.0%
MEDICAL PAYMENTS -6.7%
UNINSURED MOTORIST LIABILITY 0.0%
COMPREHENSIVE -11.6%
COLLISION -17.7%
OTHER PRIVATE PASSENGER LIABILITY -19.5%
OTHER PRIVATE PASSENGER PHYSICAL DAMAGE -14.2%
TOTAL -8.0%

RFC Number(s): CAP17487, CAP17486

Date First Appeared: 05/15/2009

Liberty Insurance Introduced Elements Homeowners Program in West Virginia

Effective Date June 22, 2009 for new business
A complete Liberty Insurance Corporation homeowner manual of rates and rules
A new rating structure for dwelling form, HO-3
Actuarial Justification for the new program and rating structure
Newly defined territories by zip code boundaries
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In addition to WV, Liberty Insurance Elements homeowner program has had filings in CO, KY, MD, ME, MI, MN and PA. Elements --is Liberty Mutual's new by-peril rating program. Elements will apply to new rating structure for HO-3 dwelling policies. All business is written under Liberty Insurance Corporation and separate from existing renewal business. Liberty creates a better match between risk and rate similar to logic used to rate automobile policies. According to the filing description, the primary advantage of by-peril rating is it allows discounts and surcharge factors to apply differently to different perils.

RFC Number(s): WVP50050

Date First Appeared: 05/13/2009

Travelers Quantum Auto Offers IntelliDrive Credits in IL, OH & OR

OR - Effective May 17, 2009
IL and OH - Effective February 22, 2009
CT filing to follow

Travelers Quantum Auto Program introduced two new credits:
IntelliDrive Participation Credit and IntelliDrive Mileage Credit.
Some additional filing information:
Modified existing annual mileage table for IntelliDrive
New table for IntelliDrive Participation and Mileage Credit factors
Revised manual pages for eligibility and credits application
Travelers will analyze driving data over a 12-month period
Automatic re-enrollment in IntelliDrive as regular policy renewal
Early devise removal fee applies on participation of less than 12 months
Data collection device designed for 1996 or newer models
IntelliDrive mileage data offers additional discounts - up to 20 percent

RFC Number(s): ILP50010, OHP23358, ORP24605

Date First Appeared: 05/12/2009

USAA Auto Accident Forgiveness Filed in CO, DC, IA, KY, ME, MS, NM, PA & VT

Last April 1, we sent a notice on USAA Auto Accident Forgiveness Endorsement available in AZ, GA, IL, MI, MO, NJ & TN. USAA added the states above with varying new business effective dates ranging from February to September 2009. United Services Automobile Association (USAA), USAA Casualty Insurance Company (USAA-CIC), USAA General Indemnity Company (USAA-GIC), and Garrison Property and Casualty Insurance Company (Garrison) personal auto program rolled out an optional feature which expands the group of members who qualify for accident surcharge forgiveness for their first chargeable accident under the company's Merit Rating Plan. The new optional feature makes this accident surcharge forgiveness available, for a premium, to members who do not meet the current criteria. This will be available for Bodily Injury, Uninsured/Underinsured Motorists, Medical Payments, Property Damage, Comprehensive and Collision. The filings also include pages that clarify the company's Auto Underwriting Tier Placement Guidelines.

RFC Number(s): COP3232, DCP3126, IAP50177, KYP50132, KYP50136, MEP3487, MSP20745, NMP50109, NMP50110, PAP5777, VTP3295, WAP50125

Date First Appeared: 05/11/2009

Nationwide / Allied Homeowners Rate Increase in Utah

Allied Property and Casualty Insurance Company
AMCO Insurance Company; Depositors Insurance Company
Effective March 13, 2009 for new business and April 27, 2009 for renewals
The overall impact is an increase 9.2% for all companies combined
Revised base rates
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Nationwide Insurance Company of America
Effective March 13, 2009 for new business and April 27, 2009 for renewals
The overall impact is an increase 15.9%
Revised base rates

RFC Number(s): UTP50208, UTP50209

Date First Appeared: 05/08/2009

GEICO Rate Increases in Oregon

Effective May 7, 2008 for new business and June 1, 2009 for renewals
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Introduction of $750, $1500, $2000 and $2500 deductibles in Collision and
Comprehensive coverages for all companies
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Government Employees and GEICO General
Bodily Injury 3.0%
Property Damage 8.0%
Uninsured Motorist Bodily Injury 10.0%
Uninsured Motorist Property Damage 5.0%
Collision -3.0%
Personal Injury Protection 13.0%
Overall Increase 4.1%
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GEICO Indemnity Company
Bodily Injury 6.0%
Property Damage 10.0%
Uninsured Motorist Property Damage 5.0%
Collision 3.0%
Personal Injury Protection 20.0%
Overall Increase 8.2%
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GEICO Casualty Company
Bodily Injury 6.0%
Property Damage 10.0%
Uninsured Motorist Property Damage 5.0%
Collision 3.0%
Personal Injury Protection 20.0%
Overall Increase 8.5%

RFC Number(s): ORP24603

Date First Appeared: 05/07/2009

Farmers and Hanover Homeowners Rate Increases in Arkansas

Farmers Insurance Exchange & Farmers Insurance Company, Inc
Proposed effective date July 16, 2009 for new business and renewals
Overall increase of 24.9%
A flat 25% increase to base rates for the Protector Plus, Special, Renters and Townhouse/Condos forms
An increase to the Maximum Deductible Credit (Max Credit) for the Protector Plus and Special forms
Next Generation data is not part of this filing

Hanover American, Hanover & Massachusetts Bay Insurance Company
Effective date of June 04, 2009 for new business and renewal
+5.0% overall rate change for all forms combined
Modify territory definitions and relativities
Introduce minimum premium to HO-3, modify minimum premium to HO-6
Introduce the Valuable Items Plus endorsement
Revise umbrella endorsement rates and minimum premium
Adjust base rates to achieve overall target rate change

RFC Number(s): ARP3417, ARP3418

Date First Appeared: 05/06/2009

New York Personal Auto Flex Filings for Atlantic States, Permanent General & Truck

Atlantic States Insurance Company
Effective March 1, 2009 for new business
Revised base rates for Bodily Injury, Combined Single Limits, Property Damage, Personal Injury Protection, Comprehensive and Collision
Introduce 2009 model year physical damage rates
Overall effect of this revision is +4.9%

Permanent General Assurance Company
Non-Standard Auto Program
Effective February 3, 2009 for new business
Base rate and territorial relativity adjustments
Overall rate impact of +4.5%

Truck Insurance Exchange
DistinctChoice Private Passenger Automobile Program
Effective February 15, 2009
Base rate change
Adjustments to the Market Factors and Core Discounts
Overall statewide rate change of +4.96%

RFC Number(s): NYP23623, NYP23624, NYP23625

Date First Appeared: 05/05/2009

Approved and Disapproved Homeowners Rate Increases in Michigan

Westfield Insurance Co Estatepak Program - APPROVED, 5.2% and effective May 26, 2009

Homesite Insurance Company of the Midwest - APPROVED, 5% and effective May 15, 2009

Allstate Property and Casualty Insurance Company - APPROVED, 9.9% and effective May 11, 2009

Property and Casualty Insurance Company of Hartford - DISAPPROVED, 4.5% and proposed effective date May 9, 2009.

Court order information written on page 9 of 93 of the Property and Casualty Ins Co Hartford filing:
(On April 10, 2009 Judge James Fisher of the 5th Judicial Circuit Court issued the enclosed Order Granting Motion to Enforce Opinion and Order Granting Permanent Injunction that affects some of those notices (see attachment). The Commissioner intends to appeal this order.
We suggest that you consult with your legal counsel to determine what effect, if any, Judge Fisher's order has on any notices OFIR issued to your company. It is OFIR's position that notices issued to companies not covered by Judge Fisher's order remain effective, consistent with the order's provision that it "does not apply to parties not named herein or insurance companies who are not members of a named party on this date.")

RFC Number(s): MIP22047, MIP22021, MIP22002, MIP21987

Date First Appeared: 04/30/2009

State Farm Fire & Casualty Homeowners filed 8.3% increase in Louisiana

Effective May 1, 2009 for new business
Revised base rates for all forms
Revised Homeowners construction factors
Revised Impact Resistive Rule
Revised Utilities Rating Plan adjustments
No longer require minimum 2% hurricane deductible for Zones 58 and 67
Revised Deductible adjustments
Endorsement (FE-7342) is now mandatory for dwellings under construction
Revised Optional Coverage adjustments
Minimum premium revised to $200 for Homeowners
Minimum premium revised to $100 for Renters and Condominium Unitowners

RFC Number(s): LAP21031

Date First Appeared: 04/29/2009

Recent Personal Auto Rate Increases in Illinois

Aside from the recent GEICO rate increase (ILP24782), below are some recent auto rate increases in Illinois.

Nationwide Insurance Co of America 6.4%, effective 07/20/2009
Hartford Casualty Insurance Co 3.0%, effective 04/04/2009
Allstate Property & Casualty Insurance Co 5.0%, effective 04/02/2009
Allstate Insurance Co 3.0%, effective 02/19/2009
Travelers Quantum 3.18%, effective 03/27/2009
Travelers (non-Quantum) 4.90%, effective 02/20/2009

RFC Number(s): ILP3394, ILP3397, ILP3390, ILP24715, ILP50023, ILP50024

Date First Appeared: 04/28/2009

GEICO Multi-Line Discount and 3.3% to 5.4% Increase in Illinois

GEICO proposes Multi-line Discount (Rule 28) in IL. A discount applied to auto coverages when a named insured on the policy also has an active homeowner's, renter's, condominium and/or mobile home policy written through GEICO Property Agency.

Introduce new pricing tier R for Government Employees and GEICO General
Government Employees Insurance Co: 3.3% overall increase
GEICO General Insurance Co: 3.3% overall increase
GEICO Indemnity Co: 5.0% overall increase
GEICO Casualty Co: 5.4% overall increase

RFC Number(s): ILP24783, ILP24782

Date First Appeared: 04/27/2009

Hartford writes Growing Spectrum Program under Sentinel Insurance in OH, OR and PA

Sentinel Insurance Company, LTD is filing a rating plan for small Commercial Multi-Peril insurance. Sentinel Insurance Company will be used to issue new Spectrum policies except in certain limited circumstances. Such limited circumstances include policies with locations in states where regulatory approval of the applicable rates and forms is pending. Hartford's small commercial segment will maintain its existing book of Spectrum business in the current filed and approved writing companies.

The rating plan delivers rating granularity designed to produce a broader range of prices than the rating plans used by other Hartford Insurance Group member companies. The Sentinel Insurance rating plan to improve their ability to provide cost-based prices by coverage based on the risk characteristics of their insured and their business operations.

The rate level for this product was set using experience from Hartford's in-force Spectrum business in other Hartford Insurance Group member companies. The company included rate indications and selected changes by coverage as a comparison to the historical book of business. These data are provided as reference only, since the company will write new policies in this writing company, and therefore a different mix of insured compared to in-force policies.

RFC Number(s): OHC50055, OHC50057, ORC7040, ORC7225, PAC10944, PAC10946

Date First Appeared: 04/24/2009

Allmerica Financial Alliance Connections Auto +11.5% overall in Tennessee

Effective July 15, 2009 for New Business

With this filing, changes to the following:
Point Surcharge table
Driver Point matrix
Base Rates
Annual Term Factor
Territory Factors
Increased Limit and Deductible Factors
Core Discount Factors
Added factors for model years 2010 and 2011
Includes Insurance Score rule page (R14)
Use of ChoicePoint Attract Insurance Score Model
Insurance Score Groups (Exhibit 15)

RFC Number(s): TNP50129

Date First Appeared: 04/22/2009

GEICO Indemnity +6.9% and GEICO Casualty +7.4% in Pennsylvania

Effective April 9, 2009 for New Business and June 1, 2009 for Renewals, Rental Reimbursement limits were increased from 25/750 to 30/900 and adding new collision and comprehensive deductibles of 750, 1500, 2000 and 2500 for all companies. This filing includes revised manual pages.

RFC Number(s): PAP5761

Date First Appeared: 04/21/2009

GEICO Casualty New Product Policy and Endorsement Forms in Colorado

GEICO Casualty's New Auto Product in Colorado filed an accompanying set of policy and endorsement forms with the initial filing. Proposed effective date of April 13, 2009, risks will be underwritten into three risk groups and three policy life segments. Risk groups and policy life segments are determined based on policy level risk potential independent from any underlying rating structure. Traditional underwriting characteristics were used with a focus on eliminating the potential overlap between the placement criteria and the rating models.

Risk tiers will be used in each risk group to further segment the rates offered. Multivariate modeling using a minimum bias approach was done to determine tiers and tier factors. The variables used for Risk Tier will be implemented using an aggregate scoring model. Therefore no one underwriting variable determines Risk Tier placement. The credit-based insurance score provided by Fair Isaac (FIIRS 863) will be the sole determinant of placement for Financial Responsibility Discount.

RFC Number(s): COP22743, COP22754

Date First Appeared: 04/20/2009

Erie HomeProtector 7% increase in IL and 5.9% in TN

Illinois Effective May 1, 2009
Revise base rates by forms and zones
lncrease factors for tiers 12 through 29
Revise the tier movement caps for tiers 9 to 19
Revise Amount of lnsurance Relativity factors for Market Value Broadcover, Condocover and Tenantcover forms.
Increase factors for Protection classes 8, 9 and 10 for owner forms.
Increase rates on Sewer or Drain Backup Coverage and Enhancement Endorsements

Tennessee Effective May 1, 2009
Revise Base rates
Revise Amount of Insurance Factors
Revise Multi-Policy Discount
Revise Tier Factors and Tier Movement Capping

RFC Number(s): ILP24743, TNP50011

Date First Appeared: 04/17/2009

Chubb Masterpiece Auto Program Revisions in NY and MD

New York - Vehicle Pricing Segmentation, new variables or changes to existing rating variables, revise violation definitions, portfolio discount, elimination of accident surcharge, elimination of major /minor violations surcharge, introduce $2,500 deductible, accident and vehicle safety devise credits, effective July 6, 2009

Maryland - Chubb National Insurance Company as a new writing company, introducing 54 vehicle rating tiers, policy assigned to tiers using financial stability (ChoicePoint Attract Maryland Model), accidents, violations, household composition, corporate vehicles, other vehicles, the number of lienholders, length of time with the company, out of state driver license, age of oldest vehicle, and bill payment characteristics, effective June 15, 2009

RFC Number(s): MDP50387, NYP5309

Date First Appeared: 04/16/2009

GEICO Casualty in CO Offers New Product for New Business Only

Proposed effective date of April 13, 2009, risks will be underwritten into three risk groups and three policy life segments. Risk groups and policy life segments are determined based on policy level risk potential independent from any underlying rating structure. Traditional underwriting characteristics were used with a focus on eliminating the potential overlap between the placement criteria and the rating models.

Risk tiers will be used in each risk group to further segment the rates offered. Multivariate modeling using a minimum bias approach was done to determine tiers and tier factors. The variables used for Risk Tier will be implemented using an aggregate scoring model. Therefore no one underwriting variable determines Risk Tier placement. The credit-based insurance score provided by Fair Isaac (FIIRS 863) will be the sole determinant of placement for Financial Responsibility Discount.

RFC Number(s): COP22743

Date First Appeared: 04/14/2009

Unitrin Group Offers 5% Occupation Discount for Auto in California

With a proposed effective date of August, 15, 2009, Unitrin Auto & Home and Kemper Independence introduce a new program with an occupation discount of 5%. The companies are using a "me to" of the program that was filed by Nationwide/ Allied Property & Casualty (CA 07-1416 and 07-1418). The occupation discount will have the same underwriting guidelines as all other programs for both companies. A 5.0% reduction in the premium for Bodily Injury, Property Damage, Medical Payments, Uninsured Motorists (Bodily Injury and Property Damage), Comprehensive and Collision coverage is available if the name insured or spouse/ registered domestic partner is a member of one of one the professional groups listed in the filing and has had automobile insurance throughout the preceding year.

RFC Number(s): CAP18209, CAP18208

Date First Appeared: 04/13/2009

State Farm Auto Approved in New York 8.3% Overall Increase

New business effective date March 16, 2009
State Farm Mutual filing contains the following coverage rate changes:

Bodily Injury /Physical Damage +16.3%
Personal Injury Protection + 3.8%
Uninsured Motorist +31.1%
Comprehensive +0.1%
Collision +1.0%
Total + 8.3%

Territory Changes
Revised class factors
Revised territory rating factors
Revised age rating Factors
Revised model year rating factors
Revised uninsured/underinsured limits factors

RFC Number(s): NYP23621

Date First Appeared: 04/09/2009

Unitrin Direct Filed New Auto Group Plans in California

Group Plan 2 (G2) rate level 7.5% lower than the Unitrin Direct Base Program
Group Plan 3 (G3) rate level 20% lower than the Unitrin Direct Base Program
Group Plan 4 (G4) rate level 14% lower than the Unitrin Direct Base Program
Group Plan 5 (G5) rate level 5% lower than the Unitrin Direct Base Program

All rating factors and base rate level proposed are contingent upon the approval of pending filings for private passenger automobile program written under Unitrin Direct -CA numbers 08-14791 Class Plan (CAP18029) and 08-14792 (CAP18030). Included with this filing are sequential analysis, underwriting guidelines, and all appropriate rate filing exhibits. Unitrin Inc. acquired Merastar Insurance Co last June 29, 2007, with this filing, Unitrin also plans to convert policies from Merastar Insurance Co to Unitrin Direct rating plan.

RFC Number(s): CAP18159, CAP18158, CAP18154, CAP18153, CAP18152, CAP18151, CAP18150, CAP18149

Date First Appeared: 04/08/2009

Infinity Special Auto Program in California filed 4.87% Increase

Effective October 1, 2009, Infinity Insurance submitted policy forms and a separate Class Plan filing along with this rate filing.

Revised driver safety record relativities
Revised annual mileage relativities
Revised driving experience relativities
Revised driver class relativities
Revised multi-vehicle relativities
Revised renewal relativities
Revised model year relativities
Revised limits relativities
Revised frequency band definitions
Revised frequency band relativities
Revised severity band definitions
Revised severity band relativities

RFC Number(s): CAP18207, CAP18206

Date First Appeared: 04/07/2009

Nationwide/ Allied Class Plan M Auto in Idaho overall 5.3% Increase

Effective June 1, 2009 for new business
Includes Nationwide Idaho auto rating manual
Revising Matrix Factors
Revising Driver Class Factors
Revising Household Composition Factors
Revising Premier Intra-Agency Transfer Factors and Competitor Groups
Revising Credit Ordering from 12 to 36 months
Implementing Upgrades such as: Accident Forgiveness, Minor Violation Forgiveness,
New Car Replacement/ GAP coverage, Diminishing Deductible, Total Loss Deductible Waiver, Roadside Assistance

RFC Number(s): IDP3069

Date First Appeared: 04/06/2009

"Green" Homeowners Coverage and Discounts from AIG Private Client, Fireman's Fund and Donegal

American International Insurance Company (AIIC) filed new and revised rules for use on Private Client Group Homeowners Program in Arizona, effective 03/01/2009. The rules address Historic Homeowners, Green Rebuilding Cost Coverage, and Equipment Breakdown Coverage Plus.

Fireman's Fund filed homeowners pricing for new green options and coverages. These will be coverages for new "Rebuild Green" endorsement - Green Dwelling and Personal Property Upgrade and new "Green Discount" - Green Discount and Supplementary Coverage in Maryland, effective 03/01/2009 for new and renewal business.

Donegal Mutual proposes to introduce two new "Green" Discounts for Pennsylvania homeowners involving energy conscious decisions on home heating and cooling, effective May 1, 2009. These discounts are intended to address public concerns for incentives to encourage environmentally friendly consumer behavior. The company proposes both a 5% Solar Energy Discount and a 5% Geothermal Heat Pump Discount.

RFC Number(s): AZP10298, MDP50127, PAP50212, PAP50214

Date First Appeared: 04/03/2009

Dairyland Personal Automobile in Michigan Filed 13% Increase

Notwithstanding Governor Granholm's call for voluntary automobile insurance rate freeze in Michigan, Dairyland filed a 13% overall rate increase. This filing effective April 18, 2009 for new business made adjustments to base rates for the Personal Injury Protection (PIP), Property Damage, Property Protection Insurance, and Limited Property Damage coverages. This program includes the following discounts: Transfer, Safe Driver Premium Credit Plan, Multiple Car, Home Ownership, Anti-Theft, Paid-in-Full, and Driving Less Than 3,000 Annually. In a 2007 filing, the Safe Driver Premium Credit Plan was discontinued for new business, and increases in renewal credits were halted.

RFC Number(s): MIP21898

Date First Appeared: 04/02/2009

USAA Auto Accident Forgiveness Endorsement available in AZ, GA, IL, MI, MO, NJ & TN

United Services Automobile Association (USAA), USAA Casualty Insurance Company (USAA-CIC), USAA General Indemnity Company (USAA-GIC), and Garrison Property and Casualty Insurance Company (Garrison) personal auto program rolled out a new optional feature which expands the group of members who qualify for accident surcharge forgiveness for their first chargeable accident under the company's Merit Rating Plan. The new optional feature makes this accident surcharge forgiveness available, for a premium, to members who do not meet the current criteria. This will be available for Bodily Injury, Uninsured/Underinsured Motorists, Medical Payments, Property Damage, Comprehensive and Collision. The filing also include pages that clarify the company's Auto Underwriting Tier Placement Guidelines.

RFC Number(s): TNP50093, NJP3246, MOP50149, MIP50063, ILP24757, GAP50062, AZP10334

Date First Appeared: 04/01/2009

Liberty Mutual LibertyGuard Auto Program in Indiana filed 5.8% overall rate effect

Approved filing effective February 23, 2009
Increase liability base rates by 9.5%
Increase medical payment base rates by 20%
Increase collision base rates by 4%
Eliminate transitional rating rule 55A - the rule that applied to the migration of former Prudential
policyholders who had their premiums capped during the first year migration to Liberty Mutual.

RFC Number(s): INP23540

Date First Appeared: 03/31/2009

Privilege Underwriters (PURE) Introduces High Value Homeowners Program in New York

Privilege Underwriters Reciprocal Exchange's (PURE) initial filing for new residential homeowners program in New York is now available. PURE is also filing Auto, Personal Excess and Private Inland Marine in conjunction with this filing, thereby providing a single company solution to the insured's personal lines insurance needs. The financial responsibility tiers for this program uses Choicepoint Attract One insurance scoring model and plans to use multiple underwriting tiers within the one company. This product will be distributed primarily through independent agents.

RFC Number(s): NYP23616

Date First Appeared: 03/27/2009

Progressive Direct in Massachusetts filed 4.9% rate increase effective April 1, 2009

In this filing, Progressive created a minimum limits package indicator that is more broadly defined than specified in the regulation. The revision also introduces a minor at fault accident with the same definition as the Safe Driver Insurance Plan (SDIP) program's minor accident. Eliminate passive restraint discount offset with a change in Personal Injury Protection base rates, and removing extra risk rating factors. This revision added Prior Bodily Injury Limits into their underwriting model.

RFC Number(s): MAP20704

Date First Appeared: 03/25/2009

Progressive Initial Motorcycle / Recreational Vehicle Filings and New Auto Filings in Massachusetts

Progressive Direct and Progressive Casualty have made initial filings for Motorcycle and Recreational Vehicles in MA. State Farm auto filed an overall rate decrease of 4.9%, adjusted base rates by coverage and deviating from AIB rates. Also available are current MA personal auto rate filings for Hanover/ Citizens Connections Auto, Liberty Mutual Group and Metropolitan Group.

We are monitoring the approval of GEICO's initial filing in MA, we'll be sending out an alert as soon as we receive the filing. Please contact Charles Pitts at x176 for special rates on complete 1 year access to all Massachusetts PPA filings.

RFC Number(s): MAP20698, MAP20699, MAP50043, MAP50045, MAP20700, MAP20703, MAP50014, MAP50015, MAP50018, MAP50020, MAP50024, MAP20702, MAP50031, MAP50032, MAP50033

Date First Appeared: 03/24/2009

American Family Mutual Offering 4 New Homeowners Discounts

American Family Mutual is implementing 4 new homeowners discounts effective March 1, 2009 - Age of Customer Discount, Home & Umbrella Discount, Welcome Home Discount and Home Purchase Discount. Filings are currently available in 10 states - Arizona, Colorado, Iowa, Illinois, Kansas, North Dakota, Oregon, South Dakota, Washington and Wisconsin. (American Family operates in 19 states: AZ, CO, GA, ID, IL, IN, IA, KS, MN, MS, NE, NV, ND, OH, OR, SD, UT, WA and WI)

RFC Number(s): AZP10323, COP22750, IAP50004, ILP50013, KSP3136, NDP3349, ORP3444, SDP3443, WAP24333, WIP22366

Date First Appeared: 03/23/2009

Michigan auto rate freeze and credit scoring denials awaiting impact on pending homeowners rate filings.

Given Michigan Commissioner Ken Ross' rate increase denials and Governor Jennifer Granholm's voluntary rate freeze on auto rates, we're monitoring the effect on pending homeowner rate filings. We've received pending homeowners rate filings for Amica Mutual Insurance Company, Bankers Standard Insurance Company, Electric Insurance Company, Encompass Indemnity Company, Farmers Insurance Exchange, Michigan Educational Employees Mutual Insurance Company, Property & Casualty Insurance Company of Hartford, SAFECO Insurance Company of America proposed rates ranging from 4.5% - 10.0%. Below are the links for the pending homeowners rate filings, we will continue to monitor this situation and will provide further updates.

RFC Number(s): MIP21910, MIP21911, MIP21913, MIP21914, MIP21917, MIP21920, MIP21921, MIP21922

Date First Appeared: 03/19/2009

Progressive introduces their new direct PPA Program in New York.

Progressive has filed their new direct private passenger automobile program to be written in the Progressive Advanced (PAIC) and Progressive Max Insurance Companies (PMIC). The new business effective date of this filing is January 23, 2009. Current business in Progressive Direct Insurance Company will be "grandfathered" and will remain in that company.

RFC Number(s): NYP23588

Date First Appeared: 03/18/2009

Nationwide Mutual Fire is filing a 6.3% increase to their Homeowners Program in South Carolina.

They are changing their Base Rates, Territory factors , X-wind credits and the Replacement Cost Plus charge. The effective date is January 3, 2009.

RFC Number(s): SCP22155

Date First Appeared: 03/17/2009

State Farm files changes to their customer rating index (CRI)

State Farm in Ohio is changing multiple rating factors and customer rating index (CRI) with an overall rate increase of 3.1% and a March 2, 2009 effective date.

RFC Number(s): OHP23349

Date First Appeared: 03/12/2009

Governor proposes freeze on auto insurance rates in Michigan.

In light of Michigan Governor Jennifer Granholm's proposed freeze on auto insurance rates, Perr & Knight has made a special trip to the Michigan department to obtain any pending, withdrawn or disapproved rate filings in addition to the approved rate filings which we normally receive. Please click the link below for all filings we received on our last visit. We will continue to monitor this situation and will provide further updates as we have them.

RFC Number(s): MIP21905, MIP21904, MIP21903, MIP21902, MIP21901, MIP21900, MIP21899, MIP21898, MIP21897, MIP21896

Date First Appeared: 03/10/2009

State Farm is filing a revision to their independent Private Passenger Auto program in Ohio.

This rate level increase is 3.1% for State Farm Mutual Automobile and 5.2% for State Farm Fire and Casualty and the effective date for both is March 2, 2009.

RFC Number(s): OHP23349, OHP23350

Date First Appeared: 03/05/2009

Amica is implementing a new Homeowner Insurance Rating System effective August 1, 2009 in Wisconsin.

The basis of the new rating system is the calculation of premiums for six distinct peril groups. The overall rate impact is +4.8%.

RFC Number(s): WIP3721

Date First Appeared: 03/03/2009

SAFECO is revising their Iowa Independent Homeowners Program resulting in an 8.2% increase.

This revision will include modifications to the base contract, changes to existing optional coverages, and the introduction of new optional coverages. The effective date is April 2, 2009.

RFC Number(s): IAP50050

Date First Appeared: 02/26/2009

Foremost has filed to adjust rate levels to their Motorcycle Program in Delaware to maintain established pricing position in the marketplace.

The overall effect of this rate adjustment is +7.4% with a June 1, 2009 effective date.

RFC Number(s): DEP50026

Date First Appeared: 02/24/2009

USAA Group is filing to add a Purchased Accident Forgiveness Endorsement to their Private Passenger Auto Program in Arizona with an overall rate change of +12.3% and a May 7, 2009 effective date.

Changes to their personal auto rating plan include revised base rates and the inclusion of Model Year 2011 factors.

RFC Number(s): AZP10334

Date First Appeared: 02/19/2009

Nationwide is introducing a new enhanced rating plan to their Homeowners policy in Wisconsin with an April 5, 2009 effective date.

"It enhances the current plan by revising existing rating variables and introduces new variables to the property rating plan. This new rating plan will also increase competition and customer choice for Wisconsin consumers and will allow many customers to find lower rates without reducing coverage. The overall rate level change of this plan is +4.8 percent for Homeowners, Tenants, and Condominiums combined."

RFC Number(s): WIP3691

Date First Appeared: 02/17/2009

Travelers Home and Marine and TravCo have filed an overall rate increase of 5.94% to their Private Passenger Auto Program in Pennsylvania with a February 8, 2009 effective date.

RFC Number(s): PAP5724

Date First Appeared: 02/12/2009

Erie in Illinois is filing an overall rate increase of +7.0% to their Illinois Home Protector Program.

The effective date is May 1, 2009.

RFC Number(s): ILP24743

Date First Appeared: 02/10/2009

Allstate introduces MoneySaver policy in Ohio, effective January 26, 2009.

The Allstate MoneySaver Package will include the base AFCIC product as well as the following features/restrictions:

-Property Damage Liability Coverage Deductible
-Accident Waiver Ineligibility
-Miscellaneous Coverage Limitations
-Certain Optional Coverages (Optional Tape coverage and optional Sound System coverage), Coverage Limits (Automobile Medical Payments coverage limits in excess of $5,000) and Deductible Options (Collision deductibles below $500) are not available

RFC Number(s): OHP23341, OHP23342

Date First Appeared: 02/05/2009

American Family Insurance launches a new auto product in Georgia, effective January 1, 2009.

RFC Number(s): GAP21629, GAP21630

Date First Appeared: 02/03/2009

State Farm is filing to revise rates to their Independent Auto Program in Pennsylvania resulting in a rate level increase of 3.2%.

The effective date on new policies is May 25,2009.

RFC Number(s): PAP29936

Date First Appeared: 01/29/2009

Farmers Insurance Company and Farmers Insurance Exchange have revised rates to their Homeowners Program in Kansas with a May 16, 2009 effective date.

"The five-year fiscal accident year loss experience for Farmers Insurance Company, Inc. and Farmers Insurance Exchange brought to current levels and trended, indicates an overall rate change of 31.2%. The proposed changes will result in an overall premium increase of 20.0%."

RFC Number(s): KSP20817

Date First Appeared: 01/27/2009

Progressive Preferred & Progressive Specialty Insurance have filed to decrease rates 4.2% to their Private Passenger Auto Program in Pennsylvania.

The effective date is February 17, 2009.

RFC Number(s): PAP29920

Date First Appeared: 01/22/2009

Zurich "Better Green" Commercial Property Endorsements now available for download.

We have received filings in Arkansas, California, Delaware, Maryland, Michigan, North Dakota, New Mexico, Oregon, Pennsylvania, Tennessee, Utah, Washington, Wisconsin and West Virginia for Zurich's new Better Green series of endorsements. The new endorsements provide coverage to address loss exposures and expenses, including time element associated with the repair, replacement or rebuilding of damaged property according to green standards at the time of loss or damage.

RFC Number(s): ARC3915, CAC41749, DEC6152, MDC7295, MIC3336, NDC4028, NMC3915, ORC6853, PAC10586, TNC6569, UTC5005, WAC5911, WIC6463, WVC3615

Date First Appeared: 01/20/2009

Geico Indemnity in Texas is submitting a revision to their Preferred and Standard Motorcycle Programs to reflect an overall rate change of +6.5%.

The new effective date is January 22, 2009.

RFC Number(s): TXP22566

Date First Appeared: 01/15/2009

Allstate Insurance Group is filing rate level changes to their Private Passenger Auto Program in Colorado.

Allstate Property & Casualty Insurance Company -3.70%, Allstate Insurance Company -13.20%, Allstate Indemnity Company -14.1%

The effective date for renewals is January 17, 2009.

RFC Number(s): COP3148, COP3149, COP3150

Date First Appeared: 01/13/2009

Travelers in Pennsylvania is filing to increase rates to their Personal Auto Program.

The overall rate impact of this filing is +3.10% and the effective date is March 24, 2009.

RFC Number(s): PAP29879

Date First Appeared: 01/08/2009

AIG Premier in Tennessee has filed a revision to their Personal Auto 3.5 / 3.6 Program with a proposed rate change of +3.6%.

They are also revising their credit score ranges with a January 28, 2009 effective date.

RFC Number(s): TNP3526

Date First Appeared: 01/06/2009

State Auto in Michigan is filing to announce the introduction of CustomFit, a new Private Passenger Auto program with a May 1, 2009 effective date.

"This program will use several different rating components to produce a larger number of pricing levels than what we have in our current auto program. Several new rating components are also being introduced." The overall impact is -0.3%.

RFC Number(s): MIP3396

Date First Appeared: 12/30/2008

Allstate is proposing an overall 6.2% rate increase to their Private Passenger Auto Program in Pennsylvania.

The rate change will vary by coverage but will not vary by territory. The effective date is February 20, 2009.

RFC Number(s): PAP29874

Date First Appeared: 12/24/2008

State Farm in Illinois is filing a revision to their Independent Auto Program resulting in a rate level increase of 3.2%. The effective date is December 29, 2008.

“The changes detailed in this filing reflect our best efforts to recognize our actuarially suggested income needs and have premiums that are as competitive as possible.”

RFC Number(s): ILP3221

Date First Appeared: 12/18/2008

Progressive is filing to revise rates to their Private Passenger Auto Program which will result in an overall rate increase of 4.30% in Wisconsin.

In this revision, Progressive Drive Insurance modified factors and base rates with a January 19, 2009 effective date.

RFC Number(s): WIP3581

Date First Appeared: 12/16/2008

Allstate Property & Casualty Insurance Company (AP&C) is proposing a 4.4% rate level increase for Private Passenger Automobile in the state of Arkansas.

This rate level change will result in approximately $1.2 million of additional premium. The target effective date for new business written and renewals processed is February 23, 2009.

RFC Number(s): ARP50016

Date First Appeared: 12/11/2008

United Services Automobile Association, USAA Casualty Insurance Co, USAA General Indemnity Co and Garrison Property and Casualty Insurance Co have filed their HO-2008 Homeowners Program to replace the current HO-93 Program in Oregon.

The overall rate level change of +11.2% for the USAA Group is now effective for new business on February 28, 2009.

RFC Number(s): ORP3304

Date First Appeared: 12/11/2008

GEICO is submitting a revision to their Automobile Casualty Rate/Rule Manual as well as implementing a new vehicle discount in Arizona.

Government Employees Insurance Company and GEICO General Insurance Company propose to revise rates to reflect an
overall -2.3%, GEICO Indemnity with an overall +1.2% and GEICO Casualty with an overall +1.3%, all with a September 25, 2008 effective date.

RFC Number(s): AZP25349

Date First Appeared: 12/09/2008

Metropolitan Group in New Mexico is proposing to revise their Homeowner's tiering structure to be a points based program.

The overall impact of this filing is a 2.3% increase. The effective date is December 31, 2008.

RFC Number(s): NMP3312

Date First Appeared: 12/04/2008

Foremost Insurance Company in Georgia is filing to change rates to their Homeowners Program.

The rate level adjustments result in an overall effect of +8.99% and a February 1, 2009 effective date.

RFC Number(s): GAP3066

Date First Appeared: 12/02/2008

State Farm is revising their Independent Homeowners Program in Michigan resulting in a rate level increase of 9.4% with a November 15, 2008 effective date.

“The rate level changes contained in this filing specifically consider the expected effect that any prior changes in policy language will have on our future underwriting experience. This filing reflects our best efforts to recognize our actuarially suggested income needs and have premiums that are as competitive as possible.”

RFC Number(s): MIP3286

Date First Appeared: 11/25/2008

Sentinel is making changes to their Personal Auto Program in Tennessee.

The overall impact of the class plan, tier and base rate changes is +6.9% which includes their most recent indication. These changes will be effective December 6, 2008.

RFC Number(s): TNP3347

Date First Appeared: 11/20/2008

Nationwide has made revisions to deviations to Non-Standard Automobile rates in NC.

The overall premium level effect of this revision is a decrease of 5.8 percent and the effective date is January 1, 2009 for new and renewal business.

RFC Number(s): NCP50012

Date First Appeared: 11/18/2008

Liberty Mutual in West Virginia has increased rates to their LibertyGuard Homeowners Policy with a 4.0% overall change.

The effective date is November 17, 2008.

RFC Number(s): WVP3052

Date First Appeared: 11/13/2008

Shelter Insurance in Arkansas has filed an increase of 8.9% to their Homeowners Program.

The effective date is December 20, 2008.

RFC Number(s): ARP3284

Date First Appeared: 11/11/2008

Nationwide Insurance has revised rates with an overall impact of + 3.6 percent to their Class Plan M Private Passenger Auto Program in Iowa.

The effective date is January 1, 2009.

RFC Number(s): IAP3325

Date First Appeared: 11/06/2008

Selective Insurance Company increased rates to their Homeowners Policy in New Jersey

They are revising their owners’ form base rates by territory for an impact of +5.5%. Overall impact of this revision is +5.0%.

The new effective date is January 15, 2009.

RFC Number(s): NJP3359

Date First Appeared: 11/04/2008

Liberty Mutual is requesting to revise rates in Texas to their LibertyGuard Auto Policy.

The effective date is October 20, 2008 with an overall rate impact of +7.0%.

RFC Number(s): TXP3114

Date First Appeared: 10/30/2008

Allstate Insurance Company has increased rates overall 9.0% to the Condo program in Pennsylvania.

The overall 9.0 percent rate level change will be accomplished by revising the Condo Rate Adjustment Factor. The effective date is November 24, 2008.

RFC Number(s): PAP5434

Date First Appeared: 10/28/2008

Progressive has increased rates with an overall impact of 7.0% in NY to their Private Passenger Direct Auto Program.

“The only changes we are proposing with this revision are new base rates to facilitate the rate increase.” The effective date is October 24, 2008.

RFC Number(s): NYP23580

Date First Appeared: 10/23/2008

Farmers Insurance Exchange and Mid-Century have increased rates to their Private Passenger Auto Program in Tennessee.

The overall statewide impact of this filing for Farmers is 5.8% and for Mid-Century 14.1%, with a December 1, 2008 effective date.

RFC Number(s): TNP3257

Date First Appeared: 10/21/2008

USAA Group in New Mexico revised Homeowners Program with an overall rate impact of 19.8%

It is a new rating plan that simplifies the rating formula and introduces structures that will improve USAA’s ability to offer a fair and competitive rate. The effective date is November 30, 2008

RFC Number(s): NMP3263

Date First Appeared: 10/16/2008

Encompass in Missouri increasing Home and Condo base rates to achieve a Home, Condo, and Renter impact of 14.6%.

The proposed effective date is November 8, 2008

RFC Number(s): MOP3327

Date First Appeared: 10/14/2008

Geico Indemnity raises auto insurance rates in New York by 9.1% effective August 20, 2008.

Geico Indemnity initially filed for a 17.1% rate increase and was approved for 9.1%. Geico General and Government Employees both filed for a 7.1% increase but as shown on page 218 of the filing, these requests were withdrawn.

RFC Number(s): NYP23579

Date First Appeared: 10/08/2008

Nationwide has increased rates to their Private Passenger Automobile policies in Tennessee.

The overall rate level increase is 3.0% with an effective date of November 23, 2008.

RFC Number(s): TNP3195

Date First Appeared: 10/06/2008

Illinois Farmers Insurance Company and Mid-Century Insurance Company are proposing rate revisions to their motorcycle program in Indiana by 20.0%.

The overall statewide impact of this filing is 20.0% with a dollar impact of $252,625 with an effective date of December 1, 2008.

RFC Number(s): INP3126

Date First Appeared: 10/02/2008

State Farm is increasing rates to their Independent Homeowners Program in Maine by 4.2% with an October 1, 2008 effective date.

”The changes detailed in this filing reflect our best efforts to recognize our actuarially suggested income needs and have premiums that are as competitive as possible.”

RFC Number(s): MEP3131

Date First Appeared: 09/30/2008

Nationwide has increased its rates 3.7 percent to its Personal Auto Program in Pennsylvania.

This increase is reflected in the revised base rates for Bodily Injury, Property Damage, Medical Benefits, Combined Loss Benefits, Accidental Death, Funeral Benefits, Loss of Income, Uninsured/Underinsured Motorists-Bodily Injury, Comprehensive, and Collision effective December 15, 2008.

RFC Number(s): PAP5300

Date First Appeared: 09/25/2008

Progressive launches MyRate program in Maryland!

Filings for both the direct and independent agency distribution channels are available. Progressive Advanced direct auto policy rates, rules, forms have an August 1, 2008 effective date and Progressive Specialty agency policy have a September 26, 2008 effective date.

RFC Number(s): MDP23171, MDP23169, MDP5057, MDP5056

Date First Appeared: 09/23/2008

AIG National Insurance Company increases personal auto rates by 6.6% in Pennsylvania.

This filing is for a proposed rate revision to AIG National Auto 3.5 Private Passenger Auto Program and includes the introduction of a new Stability Discount for policyholders. The effective date is September 10, 2008.

RFC Number(s): PAP5228

Date First Appeared: 09/18/2008

USAA Group in Virginia files to revise its homeowners premium with an overall effect of 8.5%.

The proposed changes include revising the Unity Premium and Territory Relativities for Owners’ Forms. An effective date of November 1, 2008 for these revisions will apply to all policies.

RFC Number(s): VAP3050

Date First Appeared: 09/16/2008

Allstate is proposing an overall rate level increase of 6.9% to their homeowners policy in California.

Allstate Insurance Company and Allstate Indemnity Company are proposing changes to their homeowners mult-peril policy including owners, renters and condominium rates in California with an overall rate increase effective December 1, 2008.

RFC Number(s): CAP17832

Date First Appeared: 09/11/2008

American Bankers increases auto insurance rates in Nevada effective October 1, 2008.

The property damage base rate has been increased by 16.2% which results in an overall increase of 3.4%. No other changes were made with this filing.

RFC Number(s): NVP3250

Date First Appeared: 09/09/2008

Liberty Mutual and Balboa Insurance Companies file rate changes in California.

Liberty Mutual Fire Insurance Company is filing to increase rates overall 4.94% to its Personal Automobile Rating Manual.

Liberty Mutual Fire Insurance company is filing to revise its Personal Automobile Rating Manual – Class Plan for all policies effective on or after January 19, 2009. The filing is submitted concurrent to the Class Plan, Basic Auto, Alumni Groups, and Educator/Corporate Technical Professional Filings.

Balboa Insurance Company is filing rate adjustments with a decrease of 27.00% to its Condominum Program with a November 1, 2008 effective date.

Balboa Insurance Company is filing to propose territory rate adjustments and product enhancements based on competitive analysis and updating their Underwriting Guidelines-Independent Agent Condominium Program manual also adding two new endorsements for the captioned program, Premier Special and Premier Special Plus Endorsement and Identity Theft Expense and Resolution Services Coverage. The new endorsements broaden coverage and do not have a rate impact.

RFC Number(s): CAP17794, CAP17795

Date First Appeared: 09/04/2008

Farmers Insurance and Mid-Century Insurance raise auto insurance rates in Arizona, effective August 1, 2008.

The overall rate change for Farmers is 5.2% and the overall rate change for Mid-Century is 6.7%. The changes vary by company and include changes to base rates, territory factors, FARA factors and collision deductible factors.

RFC Number(s): AZP10125

Date First Appeared: 09/02/2008

State Farm County Mutual Company of Texas increases auto insurance rates by 7.3%, effective October 27, 2008.

Per the company, “The rate level changes contained in this filing specifically consider the expected effect that any prior changes in policy language will have on our future underwriting experience. The changes detailed in this filing reflect our best efforts to recognize our actuarially suggested income needs and have premiums that are as competitive as possible.”

RFC Number(s): TXP22382

Date First Appeared: 08/28/2008

Geico Indemnity Company raises auto insurance rates in Florida by 2%.

Geico Indemnity Company revises their private passenger automobile rates with an August 21, 2008 effective date to reflect an overall 2.0% rate increase as follows:

Property Damage 2.0%
Personal Injury Protection 2.0%
Emergency Road Service -20.0%
Comprehensive 14.0%
Collision 2.0%

RFC Number(s): FLP5234

Date First Appeared: 08/26/2008

Progressive increases auto insurance rates by 3.5% for Independent Agent distribution channel in Maryland effective July 31, 2008.

With this revision Progressive is changing base rates and will no longer charge for accidents that are discovered on motor vehicle reports at policy renewal.

RFC Number(s): MDP5082

Date First Appeared: 08/21/2008

ODIC Proposes a PPA Revision in Response to the 2008 Tenn. Pub. Acts 616 (former S.B. 2657).

Old Dominion Insurance Company proposes a revision in response to the 2008 Tenn. Pub. Acts 616 (former S.B. 2657). ODIC have revised both their split limit Property Damage and split limit Uninsured/Underinsured Motorist Property Damage minimum financial responsibility limits in Tennessee from $10,000 to $15,000 in order to comply with the financial responsibility law of Tennessee. The overall effect on the renewal book of business from this state required a +0.1% increase effective on and after January 1, 2009.

RFC Number(s): TNP3050

Date First Appeared: 08/19/2008

Encompass files to increase homeowners insurance rates in Rhode Island by 10.2%.

Encompass' revised reinsurance cost will be reflected by revising the reinsurance rate adjustment factor in the rate calculation for the Other Than Auto program. The revised reinsurance rate adjustment factor will apply to the calculation of the reinsurance charge for all policies and will, therefore, have the same effect as a reinsurance base rate change. Because the same reinsurance rate adjustment factor will apply to the calculation of all reinsurance charges, this filing will not change the relative level of the charges by territory, deductible, amount of insurance, or construction type. The overall impact of changes set forth in this filing is 10.2%. The new effective date is 8/25/08.

RFC Number(s): RIP3054

Date First Appeared: 08/14/2008

Allstate Property & Casualty Insurance Company is proposing a 6.0% rate level increase for private passenger automobile in the state of Arkansas.

The increase will be achieved by rate level increases for Bodily Injury, Property Damage, Medical, and Uninsured/Underinsured Motorist coverages. With this change, Allstate is revising Rate Adjustment Factors, Easy Pay Plan Discount Factors, and Your Choice Auto ® Value Plan Factors. The target effective date for new business written and renewals processed is September 15, 2008 and renewal business effective October 20, 2008. This is the first rate change proposed in AP&C since the implementation of the company on September 26, 2005.

RFC Number(s): ARP3132

Date First Appeared: 08/12/2008

Nationwide files to increase homeowners rates in Pennsylvania by 15.8%

Changes are being made to base rates, territory factors, and tier definitions. These changes will be effective for new business on November 22, 2008.

RFC Number(s): PAP29847

Date First Appeared: 08/07/2008

Travelers increases auto rates in Missouri by 8.2%

Changes were made to base rates, territory factors, multivariate adjustment factors and model year factors. The rate change for Travelers Home & Marine Insurance Company is 8.1% and the rate change for Travelers Property Casualty Insurance Company is 8.3%. The overall rate change for both companies combined is 8.2%. These changes are effective July 11th, 2008 for new business in both companies.

RFC Number(s): MOP3111

Date First Appeared: 08/05/2008

Interinsurance Exchange of the Auto Club submits California Auto Rating Factor Compliance Filing

Interinsurance Exchange of the Auto Club is the latest company to comply with Auto Rating Factor (ARF) regulations that identify the factors an insurance company may use to rate automobile insurance risk and specify the order and weights of these factors.

RFC Number(s): CAP17609, CAP17603

Date First Appeared: 07/31/2008

Latest Companies to Comply with ARF Regulations in California

Western General, Unitrin Direct, Horace Mann, State National, Affirmative, Merastar, and Pacific Property & Casualty are among the latest to file to comply with Auto Rating Factor (ARF) regulations that identify the factors an insurance company may use to rate automobile insurance risk and specify the order and weights of these factors.

RFC Number(s): CAP17571, CAP17572, CAP17551, CAP17570, CAP17567, CAP17573, CAP17574, CAP17568, CAP17554, CAP17555, CAP17575, CAP17561, CAP17560, CAP17556, CAP17564, CAP17565, CAP17552, CAP17576, CAP17577, CAP17578, CAP17579

Date First Appeared: 07/24/2008

State Farm Florida Seeks Huge Homeowners Rate Increase

State Farm Florida Insurance Co. is seeking a 47.1% increase in homeowners insurance policies. Sate Farm Insures almost 1 million homes in Florida.

The Florida Office of Insurance Regulation said the filing is being reviewed and that a public hearing will be held next month.

RFC Number(s): FLP31465

Date First Appeared: 07/22/2008

Quantum Auto Rates Dip in Colorado

Travelers has lowered its Quantum personal auto rates in Colorado.

RFC Number(s): COP15, COP27, COP28, COP29

Date First Appeared: 07/17/2008

Homeowners Rates in New Jersey Headed Upward

State Farm, Selective, Excelsior and USAA have all increased their homeowners rates in New Jersey.

RFC Number(s): NJP438, NJP427, NJP419, NJP23759, NJP23678

Date First Appeared: 07/15/2008

Travelers Ups Quantum and Legacy Auto Rates in Georgia

In addition to the rate changes in GAP21506 Travelers is proposing a rule filing to clarify underwriting tier use and the factor's behavior as it relates to policy changes. In addition, they are including provisions in our rule manual to more clearly state the rules pertaining to the behavior of this variable as it relates to policy changes.

In addition to the rate changes in GAP21507 Travelers is revising their account discount classification rule and changing the base rates to the following coverages: Bodily Injury, Property Damage, Medical Payments, Uninsured/Underinsured Motorists Bodily Injury First Car, Uninsured/Underinsured Motorists Bodily Injury Each Additional, Uninsured/Underinsured Motorists Combined Single Limit First Car and Uninsured/Underinsured Motorists Combined Single Limit.

RFC Number(s): GAP21506, GAP21507

Date First Appeared: 07/10/2008

Nationwide's Teens Can SmartRide in Ohio, Maryland and Virginia

Details on Nationwide's SmartRide program - a discount offered to teen aged drivers who meet specific criteria - are now available in Ohio, Maryland and Virginia. Please see the matrix below for details.

RFC Number(s): VAP21870, VAP21871, VAP21890, MDP22976, MDP22976, MDP22976, MDP1326, MDP1925, MDP1925, MDP1925, MDP1926, OHP23252, OHP136, OHP137

Date First Appeared: 07/08/2008

Progressive's My Rate UBI Hits New Jersey, GEICO Personal Lines Increase in Pennsylvania

Perr&Knight hopes that everybody had a great holiday weekend! HotFilings welcomes everybody back with three very high-demand filings.

Progressive has filed its agency My Rate Usage Based Insurance program with Drive New Jersey Insurance Company and its direct program with Garden State Insurance company, both effective August 8, 2008.

GEICO has filed increases to its Private Passenger Auto, Motorcycle, Recreational Vehicle and Personal Umbrella programs in Pennsylvania effective May 8, 2008. Please see the matrix below for further details.

RFC Number(s): PAP29788, NJP23764, NJP23765

Date First Appeared: 07/03/2008

Usage Based Insurance (UBI) by Progressive Hits Alabama

ALP20690 and ALP20691 contain the two manual page filings for Progressive's new UBI program in Alabama. Included in the filings is the UBI rules and UBI usage factor tables.

RFC Number(s): ALP20690, ALP20691

Date First Appeared: 07/01/2008

State Farm Homeowners Rates on the Rise Nationwide

State Farm has filed some significant rate increases in the past few months. Please see the matrix below for filings details.

RFC Number(s): CTP21660, OHP23217, CAP17278, MSP20677, NHP349, MNP21751, WIP446, WIP21928, NEP20596, NDP20655, MOP21828, TNP21356, MOP21815

Date First Appeared: 06/26/2008

Zurich Raises Personal Auto Rates Around the Country

Please see the matrix below for a series of recent personal auto rate changes by various Zurich companies.

RFC Number(s): TNP203, KSP20799, TNP21405, NCP443, NYP23449, NYP23449, TNP203, CAP17301, CAP17302, CAP17304, WAP930, WAP931

Date First Appeared: 06/24/2008

Nationwide Insurance Gives Non-Standard PPA Rates a Boost

NYP23517 - Effective May 12, 2008, Nationwide Mutual Fire Insurance Company raised their rates 2.8% for it's non-standard PPA program. The filing includes revisions to base rates for bodily injury, property damage, personal injury protection, un(der)insured motorist, comprehensive and collision as well as PIP tier rate factors.

NYP23516 - This filing contains additions to the Affinity Group discounts for Nationwide Insurance Company of America and Nationwide General Insurance Company. The effective date is January 18, 2008.

RFC Number(s): NYP23517, NYP23516

Date First Appeared: 06/19/2008

GEICO Commercial Auto Enters Pennsylvania

PAC04939 and PAC05532 are the new program filings for Government Employees Insurance Company (GEICO) entrance in the Pennsylvania commercial auto market. The compete rate and rule manual, as well as complete set of forms are available. The program's initial effective date is April 8, 2008.

RFC Number(s): PAC4939, PAC5532

Date First Appeared: 06/17/2008

Mercury Drops Homeowners Rates in California

The California DOI announced that it intends to approve Mercury's rate reduction for homeowners and renters insurance policyholders.

Mercury has filed for an overall homeowners insurance rate reduction of 10% and renters rate reduction of 33%.  California also approved a rate reduction of 3% for auto policyholders.  Together, the reductions total $61 million in premium.

Mercury insures 224,000 homes in California, 166,000 of which are located in Southern California.  Policyholders will save $18.5 million per year – an average of about $83 per home statewide, and about $100 per home for Southern California homes.

Mercury insures 20,000 rented dwellings in California – 14,000 in Southern California.  Renters will save a total of $1.5 million each year under the rate reductions, an average of $80 per year.  Southern California renters will have rates reduced an average of $85 per year.

RFC Number(s): CAP17416

Date First Appeared: 06/12/2008

My Rate - Pay-As-You-Drive (PAYD) is Here

The first My Rate Pay-As-You-Drive (PAYD) set of rules have been approved and are available for immediate download. Progressive's first set of PAYD filings are available in Oregon, Minnesota and Mississippi. These filings include the rule pages defining how the My Rate PAYD mileage discounts work.

RFC Number(s): ORP891, MIP21548, MNP570

Date First Appeared: 06/10/2008

Farmers, Allstate Among Kansas Filers With Significant Rate Increases

Kansas has seen a spate of recent personal auto and homeowners activity. Two of the biggest companies, Allstate and Farmers recently had rate increases which are highlighted below.

Allstate Property & Casualty Insurance Company - 12.70%
Allstate Indemnity Company - 12.70%
Farmers Insurance Company Inc - 14.10%
Farmers Insurance Exchange - 14.10%
Farmers Insurance Company Inc - 3.00%

RFC Number(s): KSP20798, KSP20797, KSP20781, KSP24

Date First Appeared: 06/05/2008

Recent Nationwide PPA & Homeowners Changes Now Available in Maryland

Nationwide is revising base rates for Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection, Comprehensive and Collision coverages in Maryland. The SmartRide program was effective March 21, and the base rates reflect the off-balancing for this discount for the stated coverages. The base rates have also been off-balanced for the proposed driver class factor changes. Territorial definitions have been included as a guide to the territorial base rates They are also implementing additional limit options of $75, $100 and $250 for the Towing and Labor cost coverage.

Changes from this filing have an effective date of April 28, 2008.

The rating manual pages are included in this filing.

For Nationwide's previous rate change, please see MDP22975 and MDP22976. For the most recent RV changes, see MDP01636 and MDP01637.

Nationwide also has also made some recent rate changes to their Homeowners program in Maryland. For details on those changes, see MDP01677, MDP01676, MDP01673, MDP01672, MDP01325.

RFC Number(s): MDP22976, MDP1671, MDP22975, MDP1670, MDP1677, MDP1676, MDP1673, MDP1672, MDP1325

Date First Appeared: 06/03/2008

Motorcycle Rates Revved Up in California, Pennsylvania and Other Big States

Progressive recently submitted their entire Pennsylvania motorcycle rate manual, including an overall rate increase of 5.9%. The filing, affecting Progressive Advanced riders will be effective June 6, 2008. Progressive has also requested a 5.6% increase in California that is still pending.

Other recent Progressive motorcycle rate increases include 6.9% in Michigan (new business effective date March 7, 2008), 15.5% in Florida (April 11, 2008) and 0.4% in Tennessee (March 28, 2008).

RFC Number(s): TNP144, CAP17209, FLP2594, MIP21587, PAP29663

Date First Appeared: 05/29/2008

StarAdvantage Filings Available in Multiple States

Harleysville’s StarAdvantage series of commercial lines products offer comprehensive, built-in coverages for core business classes, a full menu of coverage enhancements, and competitive, flexible pricing. StarAdvantage also easily facilitates easy transition to the most suitable product as companies grow and diversify. StarAdvantage Products include BusinessOwners (BOP), CustomPak, Commercial Package, Commercial Output and Inland Marine. Please see the matrix below for a list of available StarAdvantage filings.

RFC Number(s): NJC1331, PAC5078, PAC4983, PAC4982, WIC985, WIC630, PAC4673, PAC4504, PAC4503, WIC209, PAC3811, PAC3810, PAC3443, PAC3459, PAC1430, PAC36324, NYC26086

Date First Appeared: 05/27/2008

American Family Moves Around Auto Rates in 2008

American Family has lowered rates in Iowa, Illinois, Arizona and Iowa and raised rates for separate programs in Arizona and Iowa. Please see the matrix below for the details and effective dates of American Families most recent changes.

RFC Number(s): ILP24321, ILP24321, IAP21628, IAP21628, IAP21495, IAP21495, AZP24859, AZP24859

Date First Appeared: 05/22/2008

Travelers, Zurich, Nationwide, SafeCo and Iowa Farm Bureau Change Up Homeowners Rates

Homeowners rates have fluctuated significantly in Iowa since the beginning of 2008. Farmers, Nationwide, Safeco and Travelers have all hiked up their rates in Iowa recently, while Iowa Farm Bureau and Foremost have submitted rate decreases. See the matrix below for more details.

RFC Number(s): IAP21466, IAP24, IAP21532, IAP21605, IAP21618, IAP21614

Date First Appeared: 05/20/2008

Virginia PPA updates are in for Progressive, AIG and Nationwide

Due to our high volume of inquiries regarding these documents, HotFilings is highlighting some of the recent personal auto rate activity. See the matrix below for some of the recent activity.

RFC Number(s): VAP22007, VAP22005, VAP21988, VAP92, VAP80, VAP67, VAP64, VAP64, VAP21939, VAP21933, VAP21932, VAP21918, VAP21890, VAP21880, VAP21879, VAP21878, VAP22033

Date First Appeared: 05/15/2008

Recent Safeco PPA Changes

In light of the recent news of Safeco's acquisition, HotFilings is highlighting some of the recent rate changes by Safeco companies. Please see the matrix below for details.

RFC Number(s): WIP825, ORP24552, UTP20724, NEP20620, COP22529, COP22516, MDP1647, MDP1646, ORP24522, MOP37, AZP25083, FLP31298, WAP23957, NYP23447

Date First Appeared: 05/13/2008

AIG Kicks up Auto Rates Around the Country

Since March 1, 2008 AIG has increased PPA rates in some of the bigger states, including California, Kentucky, New Mexico, Missouri, Vermont, Tennessee and New Jersey. Please see the matrix below for details on companies, rates and effective dates.

RFC Number(s): TNP21377, TNP21400, TNP21402, NJP23592, TNP181, VTP266, MOP45, MOP82, NMP21846, NMP21847, KYP1866, KYP1867, CAP17283

Date First Appeared: 05/08/2008

Homeowners Gets an 11% Raise in Illinois

Allstate Indemnity is increasing its Homeowners rates 11.1% in Illinois. The revision includes changes to the Rating Group Factors, Age of Home Discount Factors, Home Buyer Discount Factors, Deductible Factors, Rate Adjustment Factors, Base Rates and Water Back Up Rates. It will be effective May 26, 2008.

RFC Number(s): ILP24433

Date First Appeared: 05/06/2008

Earthquake Filings Shaking in California

Earthquake Filings in have been one of our most popular requests the past few weeks. Below is a table of the recent filing activity in California under the Earthquake line of business, both personal and commercial.

We also have many recent earthquake filings or endorsements in other states, including Washington, Oregon, Pennsylvania, Illinois, Indiana, New York and Florida.

RFC Number(s): CAP17266, CAP17245, CAP17210, CAP17186, CAC38827, CAP17140, CAC38412, CAP17058, CAP17031, CAC36993, CAC36825, CAC36357, CAP15422, CAC35550, CAP15363, CAP15320, CAP15180, CAC34967, CAP15049, CAP15008, CAP14570, CAP14383

Date First Appeared: 05/01/2008

Progressive Enters Massachusetts Market

The initial filing for Progressive's entrance into the Massachusetts Personal Auto Market is now available. There are two rates and rules filings, and one forms filing. The effective date is May 1, 2008.

RFC Number(s): MAP20643, MAP20642, MAP20641

Date First Appeared: 04/29/2008

Blue Rates Lowered By Allstate

Allstate has made some recent rate decreases to their Non-Standard PPA "Blue" program. Filing information is currently available in Pennsylvania, Arizona, Tennessee and Ohio. Perr & Knight expects more Blue filings to be available in other states soon, so please check PK Forums for updates.

Please note that the Ohio filing does not indicate "Blue" as a program name, but the information is very similar to the Blue program in other states.

RFC Number(s): OHP22765, TNP21186, AZP24947, PAP1092

Date First Appeared: 04/24/2008

Quantum Is Now Home in New Jersey and Rhode Island

Complete and updated information for Traveler's Quantum Homeowners and High Value Homeowners program is now available in New Jersey and Rhode Island. A complete set of tiering factors is available in each state. As it has does in previously introduced states, Quantum brings substantially more tiers than previous Travelers offerings.

RFC Number(s): NJP245, NJP23571, RIP20827, RIP20828, RIP20876

Date First Appeared: 04/22/2008

Progressive 7.0 With Rate Stability Released in Ohio

Information regarding Progressive's 7.0 program with rate stability is now available.

Progressive has eliminated rate capping, and replaced it with rate stability. The details are in the filing. The filing also includes a breakdown of rates by coverage, various factor tables, the rate order of calculation and new rule pages. The formal rate capping rule is included as Rule P60.

The filing, effective April 11, raises rates 2.4%

Note: Perr&Knight believes that this filing has been approved, but we are in the process of double-checking to be sure. We will update the ratefilings.com when the status is confirmed.

RFC Number(s): OHP23198

Date First Appeared: 04/17/2008

Progressive Reworks Motorcycle, RV and Motor Home Rates in Tennessee

Effective March 28, Progressive has raised motorcycle rates and lowered RV, motor home and travel trailer rates in Tennessee. Each filing includes a copy-and-paste friendly set of rules, actuarial summaries, rate details by coverage and territory assignments.

TNP00143 contains the information for the motor home, RV and travel trailer coverage, and TNP00144 contains the motorcycle information.

RFC Number(s): TNP144, TNP143

Date First Appeared: 04/15/2008

Progressive Unveils Business Auto and Commercial Truck Changes in Colorado

Progressive recently increased their rates and introduced new coverages for their Business Auto and Commercial Truck programs in Colorado. Effective February 13, 2008 rates will increase 1.3%. New coverages include Truck Cargo, Rental Reimbursement with Downtime for trucks and Rental Reimbursement, Roadside Assistance and "Drive Other Car" for Business Auto. Additional enhancements include an expanded 500 mile radius for truck risks and Years in Business, CDL Experience and Package discounts.

RFC Number(s): COC21127

Date First Appeared: 04/10/2008

Farmers Ups Personal Auto Rates in Tennessee and New Mexico

Farmers recently filed two substantial PPA rate changes in Tennessee and New Mexico.

RFC Number(s): TNP203, NMP280

Date First Appeared: 04/08/2008

Progressive Northern Changes Rates in Nevada

Progressive Northern Insurance Company has revised rates and rules including tier factors, EFT discount, multi-policy discount, collision territory factors, lowered driver class factors for single drivers age 17 and 18, adjusted house hold structure factors, limit factors, core discount factors, and base rates.

The estimated overall effect of this filing is a 2.09% decrease.

These changes are effective on and after 1/31/2008.

RFC Number(s): NVP22014

Date First Appeared: 04/03/2008

State Farm Changes Rate in Minnesota

State Farm Fire & Casualty Company has revised its rates and rules including the base rate for PIP coverage and removing the inexperienced operator surcharge under the standard tier auto rating.

The estimated overall effect of this filing is a decrease of 0.8%.

State Farm Mutual Automobile Insurance Company has also revised its rates and rules including changes to class factors and base rates.

The estimated overall effect of this filing is a decrease of 2.1%.

Both of these changes are to be in effect on and after 03/17/2008.

RFC Number(s): MNP21746, MNP21747

Date First Appeared: 04/01/2008

Illinois Allstate Increases PPA Rate by 10%

Allstate Fire and Casualty is updating its territorial base rates for some territories, updated driver classification factors for some classes, updated tier factors for some tiers, and updated premier/premier plus rating factors.

The effect of these changes is an overall 9.6% rate level change.

Effective date of this filing is 10/11/2007.

RFC Number(s): ILP24388

Date First Appeared: 03/27/2008

Initial Progressive RV Program Info From New Jersey Available

Starting March 14, 2008 Progressive Drive and Progressive Garden State are both offering Recreational Vehicle policies in New Jersey.

NJP23606 is the entire initial filing, including the complete rating manual and details on coverages such as personal effects, vacation liability and full timer's coverage. Please note that this filing is in a user friendly format, allowing copy and pasting of text and tables to word processors and spreadsheets.

RFC Number(s): NJP23606

Date First Appeared: 03/25/2008

Tennessee PPA Changes Have Arrived

Private Passenger Auto in Tennessee has been one of our most requested items in the past few weeks. Farmers, State Farm and Permanent General have all made significant changes or updates to their programs.

State Farm's filing includes updates to the insurance rating group (IRG), vehicle safety discount (VSD), and liability rating group (LRG). Farmers is raising their rates 8.8% and details the changes by coverage in the Farmers Insurance Exchange and Mid-Century companies. Permanent General's revision raises their rates 2.7% and adjusts base rates, territory factors, limit factors, driver class factors and point factors.

RFC Number(s): TNP21407, TNP21406, TNP21405

Date First Appeared: 03/20/2008

True Pricing Hits New York Thursday

Safeco is introducing their True Pricing auto product to the New York Market effective March 20, 2008. All new business will be written in American States Insurance Company. Safeco True Pricing™ was developed and designed using multivariate statistical analyses incorporating Generalized Linear modeling. Countrywide data was utilized in the initial development but the product was tailored to meet the unique requirements of the New York market. The result is a sophisticated multi-tier product structure that will allow us to offer a more competitive rate to a broader group of risks than we currently do today. All rating plan factors were selected using this modeling process with the exception of symbol, territory, increase limits and deductibles.

Along with the launch of the new product, Safeco will be introducing vehicle symbols for Bodily Injury, Property Damage and Personal Injury Protection and has provided support within the filing. Safeco will be using the same territory definitions approved and in use by their current programs in NY but have selected factors for territory, limits and deductibles based upon a review of the factors in use by our current companies and other competitors.

RFC Number(s): NYP23447

Date First Appeared: 03/18/2008

CT Homeowners Rates on the Rise

Connecticut has seen some significant rate increases on the Homeowners side. See the chart below for some recent rate increases.

RFC Number(s): CTP262, CTP224, CTP214, CTP211, CTP201, CTP21437, CTP21299, CTP21282, CTP21260, CTP21255, CTP21234, CTP21231, CTP21230

Date First Appeared: 03/13/2008

GEICO Rate Increase in New York Approved

GEICO is raising their private passenger auto rates and changing territory definitions in New York. This filing contains the base rates and rate change justifications for GEICO, GEICO General, GEICO casualty and GEICO Indemnity, as well as the updated territory definitions.

The effective date is January 10, 2008

RFC Number(s): NYP23446

Date First Appeared: 03/10/2008

Motorcycle Rates Speed Up in 2008

Some of the bigger companies have changed their motorcycle rates in 2008. See the chart below for recent changes. If you have a question about motorcycle filings or anything else on www.ratefilings.com, please email tech@perrknight.com

RFC Number(s): AZP57, DEP236, FLP1129, FLP2047, FLP2105, GAP21440, IAP21527, IAP21539, IAP21540, ILP39, ILP41, INP113, KYC5685, KYP1681, KYP1740, KYP1760, KYP1762, KYP1783, MAP20600, MEP21688, MEP21689, MEP21697, MEP21778, MEP21780, MNP21725, NCP381, NJC951, NJP198, NJP23505, NJP23524, NMP104, NMP125, NMP173, NMP21787, NYP2121, ORP141, ORP24317, PAP29399, PAP29496, PAP29497, SDP317, SDP318, TNP21401, TXP22128, UTC582, WIP23, WIP21807, WIP21830

Date First Appeared: 03/06/2008

Farmers Raises Next Generation Homeowners Rates

Farmers is raising their Next Generation Homeowners rates in three big states - California, Illinois and Oregon.

In Illinois, Farmers Insurance Exchange and Illinois Farmers Insurance Company are revising the zip code factors and base rates. In Oregon, Farmers Insurance Exchange and Farmers Insurance Company of Oregon are revising base rates by territory, deductibles and premium group factors. In California, Farmers Insurance Exchange and Fire Insurance Exchange are revising territorial base rates, liability limits, condo relativities and building property coverage.

If you have any questions about any other Farmers Next Generation filings, or what is contained in the individual documents, please email tech@perrknight.com.

RFC Number(s): ORP24353, ILP96, CAP15607

Date First Appeared: 03/04/2008

New Jersey PPA updates

The last six months have seen a flurry of rate filing activity in the New Jersey private passenger auto market. All the biggest writers have filed, including Allstate, State Farm, Progressive, AIG and Liberty Mutual.

NJP00238 - Electric Mutual - 0.30% - 2/27/2008
NJP00223 - Allstate Insurance Group 0.00% 2/25/2008
NJP00222 - Allstate Insurance Group 0.00% 12/28/2007
NJP00221 - Liberty Mutual Insurance Companies 2.20% 1/15/2008
NJP00220 - Protective Life Insurance Group 0.00% 12/4/2007
NJP00219 - Progressive Insurance Group 0.26% 1/16/2008
NJP00215 - USAA Group 0.00% 1/21/2008
NJP23589 - State Farm Group 0.00% 1/28/2008
NJP23588 - State Farm Group 0.00% 1/28/2008
NJP23575 - Hartford Insurance Group 4.30% 3/5/2008
NJP23570 - Progressive Insurance Group -0.26% 1/16/2008
NJP23566 - Liberty Mutual Insurance Companies -2.20% 1/15/2008
NJP23559 - Allstate Insurance Group 0.00% 2/25/2008
NJP23556 - USAA Group 0.00% 1/21/2008
NJP00203 - Metropolitan Group 0.00% 1/15/2008
NJP00200 - State Farm Group 0.00% 12/31/2007
NJP00198 - American International Group 0.00% 2/15/2008
NJP00192 - Amica Property & Casualty 5.70% 3/1/2008
NJP00190 - Aegis Security Insurance Group 0.00% 2/1/2008
NJP00189 - State Farm Group 0.00% 12/31/2007
NJP00183 - Chubb Group of Insurance Companies 0.00% 12/7/2007
NJP23502 - American Modern Insurance Group 0.00% 12/4/2007
NJP23498 - State Farm Group 0.00% 1/1/2008
NJP23495 - State Farm Group 0.00% 1/28/2008
NJP23491 - Allianz of America, Inc. -3.19% 11/30/2007
NJP23487 - State Farm Group 0.00% 1/28/2008
NJP23485 - Balboa Life & Casualty Group 0.00% 11/15/2007
NJP00157 - Unitrin Group 0.00% 11/28/2007
NJP23434 - St. Paul Travelers Companies 0.00% 11/18/2007
NJP23422 - Allstate Insurance Group 3.40% 11/19/2007
NJP23419 - Allmerica Financial Corporation 3.60% 12/3/2007
NJP23362 - AAA Mid-Atlantic Insurance Group 3.00% 10/15/2007
NJP23349 - American International Group 7.30% 10/1/2007
NJP23344 - Electric Mutual -0.30% 10/8/2007

RFC Number(s): NJP238, NJP223, NJP222, NJP221, NJP220, NJP219, NJP215, NJP23589, NJP23588, NJP23575, NJP23570, NJP23566, NJP23559, NJP23556, NJP203, NJP200, NJP198, NJP192, NJP190, NJP189, NJP183, NJP23502, NJP23498, NJP23495, NJP23491, NJP23487, NJP23485, NJP157, NJP23434, NJP23422, NJP23419, NJP23362, NJP23349, NJP23344

Date First Appeared: 02/28/2008

Farmers Institutes New Multi-Tier Auto in New York

Farmers Insurance submitted a new Multi-Tier Auto program in New York effective October 1, 2007.

Farmers is aiming to use its Multi-Tiered FACET model to appropriately price a broad market of risks.

NYP23269 is the original submission to the NY DOI, NYP23271 includes Farmers' responses to the DOI and NYP23340 contains the complete manual pages of the new program filing. If you have any questions about what is contained in the individual filings, please email tech@perrknight.com.

RFC Number(s): NYP23271, NYP23269, NYP23340

Date First Appeared: 02/26/2008

Allstate Steps up New York Homeowners Rates

Allstate is raising their base rates 11% in conjunction with their recent purchase of a reinsurance contract. The changes in methodology from New York's prior rate filing can be found in the Actuarial Standards of Practice pages.

The filing is effective date January 10, 2008.

RFC Number(s): NYP2110

Date First Appeared: 02/21/2008

Big AIG Personal Auto Increase in Arizona

AIG National Insurance Company filed an 8% rate increase to their Personal Auto 3.1 program in Arizona.

The indicated rate changes are the direct result of the review of the experience for the 3.1 Auto Program and the implementation of Generalized of Linear Modeling (GLM) factors using TransUnion credit model. The proposed changes are the effects of the Auto 3.1 Program’s selected Base Rates, Territory, Tier, Age-Point-Tier, Combo-Discount, Limit, Deductible, Driver Class, Driver Point, Model Year, Symbol, Year-Make-Model, Vehicle Exposure, Standard Carrier Discount, Advance Quote Discount, and Stated Value Factors.

AIG is requesting an effective date of January 8, 2008 for renewal business.

RFC Number(s): AZP24967

Date First Appeared: 02/19/2008

Farmers Companies Raise Personal Auto Rates in Virginia

Farmers Insurance Exchange and Mid-Century Insurance Company recently raised their private passenger auto rates 5.9% and 5.8%, respectively.

Included in this filing are the most current base rates, zip codes and vehicle factors.

In addition to a base rate change, Farmers proposed the implementation of liability symboling and a household composition rating factor on new business. There are separately developed symbols for Bodily Injury – Property Damage and Medical coverages that are different than the current physical damage symbols employed. Symbol assignment and rating factors are included in the manual pages. The household composition factor assigns a rating factor based on number of vehicles in the household, number of drivers in the household, age of the vehicle, and the presence of a youthful driver in the household. Also included are the previously confidential disruption mitigation factors.

The base rate changes were effective June 1, 2007, but various changes were made to the same filing with an effective date of January 1, 2008.

VAP21904, the main filing is in a completely reader friendly format, allowing users to cut and paste all or parts of the document at their convenience.

RFC Number(s): VAP21904, VAP21899, VAP21923

Date First Appeared: 02/13/2008

Brand New Spectrum and MasterPac Filings Have Arrived

Over the past few weeks Perr&Knight has worked hard to get as much information as possible regarding Spectrum and MasterPac BOP programs around the country. Since December 1, we have indexed over 200 filings into our database. Below is a list of the most recent additions and their effective dates. Overall the ratefilings.com database contains over 1,600 Spectrum and MasterPac filings.

• Tennessee - 12/1/07
• Maryland - 12/10/07
• New Jersey - 8/1/08
• Kentucky - 1/1/08
• Pennsylvania - 6/1/08
• Rhode Island - 2/16/08
• Massachusetts - 2/1/08
• Indiana - 4/1/08
• Tennessee - 12/2/07
• California - 8/1/08
• Georgia - 1/12/08
• North Carolina - 4/1/08
• South Dakota - 12/27/07
• New Hampshire - 12/1/07
• Maine - 4/1/08
• Connecticut - 8/2/07
• Utah - 12/2/06
• Delaware - 8/1/05
• Nevada - 10/20/07
• Vermont - 12/1/07
• Washington - 11/1/07
• Oregon - 3/3/07
• New York - 11/14/07
• New Mexico - 12/1/07

In order to search for Spectrum or MasterPac filings using the main search engine, please enter "Spectrum, Master" in the keyword field and "91, 3548" in the Group # field. After that you can customize results to filter for other criteria such as effective date, state and file type.

RFC Number(s): NJC926, KYC5689, PAC4203, RIC1017, RIC966, MAC2449, KYC5398, INC25767, CAC38227, CAC38165, CAC38146, GAC21338, NCC4626, NCC4624, NCC4579, NCC4573, SDC1184, SDC1183, SDC1089, MEC2666, NJC887, CTC955, NVC1765, NVC1764, NVC1763, NVC1762, NVC1761, NVC1760, NVC1759, VTC2015, VTC2013, VTC1934, VTC1925

Date First Appeared: 02/07/2008

Progressive Direct Changes Rate Schedule in Texas

Enclosed in Progressive Direct's most recent Texas auto filing are revisions to Progressive County Mutual's Agent Classic, Advantage & Super Saver Rating schedule of rates . TXP22162 includes changes effective December 21, 2007 and January 20, 2008. The filing contains a schedule of rates including cancellation effective dates/times, theft prevention assessment, and reinstatement after cancellation for non-payment, the rule manual and supporting information.

TXP22164 is a revision updating the amendments to driving record points and TXP22165 is an update to the pro pricing rating classes program rule.

RFC Number(s): TXP22165, TXP22164, TXP22162

Date First Appeared: 02/05/2008

Quantum Homeowners Updates - 23 States Available

Since our last update, Perr&Knight has received over 100 filings in 23 states for Traveler's Quantum Homeowners. Many states have complete sets of rates and rules available, including the High Value portion of the program. Please browse through the search results to see what information is available in each state.

• Arkansas
• Arizona
• California
• Connecticut
• Delaware
• Iowa
• Illinois
• Indiana
• Kansas
• Kentucky
• Maine
• Minnesota
• Mississippi
• New Mexico
• Nevada
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Dakota
• Tennessee
• Virginia
• Vermont

If you have any questions about Quantum filings in these or any other states, please email tech@perrknight.com with questions.

RFC Number(s): AZP23678, NJP21776, AZP23694, AZP23705, AZP23751, NVP20959, MNP21109, MNP21110, NMP21306, NMP21307, NVP21158, ARP21159, ARP21160, VAP21442, VAP21443, AZP24270, ORP23957, NHP21079, NMP21501, AZP24302, NMP21536, COP22103, NHP21114, CAP15181, NHP21212, CAP15231, CTP21092, CTP21098, VAP21633, VAP21634, NHP21274, ILP23913, CTP21143, CTP21144, VTP21280, TNP21204, TNP21205, MEP21527, VAP21702, ARP21246, MNP21522, VAP21722, VAP21723, NVP21732, ARP21351, ARP21351, ARP21350, ARP21349, SDP281, CTP185, KSP20746, MSP20645, CAP15846, DEP230, DEP243, IAP21499, KSP20728, KSP20727, MNP6, ARC22899, ARC22898, ARC22897, TNP21357, CAP15703, IAP21478, IAP21477, IAP21476, VAP21865, VAP21864, VAP21863, VAP21862, MEP21797, MEP21796, OKP21534, OKP21533, OKP21532, KYP22637, KYP22598, KYP22597, KYP22596, KYP22595, KYP22594, ORP173, NMP21745, CAP15659, INP23214, INP23213, INP23212, ILP24238, VAP4, VAP3, PAP29281, VTP21398, VAP21810, VAP21807, ILP24177, VTP21372, TNP21293, PAP29225, AZP24718, SDP51, RIP69, VAP21762, NVP21781, NVP21773, NVP21771, ORP24308, ORP24307

Date First Appeared: 01/31/2008

Allstate Raises Texas Homeowners Rates in a Series of Recent Filings

TXP22044 increases rates though the use of the rate adjustment factor across all zones. Included in the filing are the formula calculations for the rate level indications and supporting data, the summary of proposed manual changes and a development of underwriting profit appendix. TXP22044 is an update to the information from TXP22015.

TXP22015 is also an update to the earlier filing TXP21813, providing support for the previously filed information. This update was made to reflect the weight given to the near term factors used in the development of the hurricane provision.

TXP21813 is an informational filing referred to in TXP22015.

RFC Number(s): TXP22044, TXP22015, TXP21813

Date First Appeared: 01/29/2008

Hartford's Credit Scoring System Revised in Indiana - Auto, Home and Inland Marine

Hartford recently filed to have their credit scoring system in Indiana changed for it's three main personal lines. Changes are effective December 7, 2007 for the companies listed below:

• Hartford Insurance Company of the Midwest
• Property & Casualty Insurance Company of Hartford
• Hartford Accident & Indemnity Company
• Hartford Fire Insurance Company
• Hartford Insurance Company of the Midwest
• Hartford Underwriters Insurance Company
• Twin City Fire Insurance Company
• Hartford Casualty Insurance Company
• Sentinel Insurance Company Ltd

RFC Number(s): INP131, INP127, INP128

Date First Appeared: 01/24/2008

Ohio State Farm Homeowners Rate, Rule and CRI Update

The details of State Farm's recent rate increase in Ohio are included in the final printed manual pages and CRI variable changes. Separate CRI information for renters, condos and homeowners is also contained in the filings.

This has been one of the most asked about filings this year. Make sure to include it in your Competitive Intelligence analyses!

RFC Number(s): OHP22908, OHP22841

Date First Appeared: 01/22/2008

State Farm Easing Down Rates in Southwest Region and Mississippi

State Farm has filed for moderate rate decreases in Arizona, Nevada and Mississippi.

In Nevada State Farm Mutual revised several rates and rules including BIPD liability, medical payments, and comprehensive coverages resulting in a 3.1% rate decrease. Also changed were rates for antiques, classics, motor homes and motorcycles. State Farm Fire & Casualty Company filed similar changes with an overall rate decrease of 1.9%

In Arizona, State Farm Mutual and State Farm Fire & Casualty filed CRI revisions that resulted in small rate decreases of 0.3% and 0.2%.

State Farm Mutual and State Farm Fire & Casualty in MIssissippi filed revisions for 3.6% and 4% respectively. In addition to the rate decrease, the Good Student discount and Inexperienced Driver charge are also both changing.

RFC Number(s): MSP20639, MSP20640, AZP24842, AZP24843, NVP21868, NVP21872, AZP24760, NVP21910, NVP21914

Date First Appeared: 01/17/2008

Hybrid Discount and Credit Updates

Since our last Hybrid discount and credit HotFiling alert, a few more filings have come in that have been in high demand.

In California, Berkshire/GEICO has gotten approval for a hybrid discount. The rate filings, class plan and all additional correspondences are available for immediate download and viewing.

In Connecticut and North Carolina St. Paul/Travelers has filed for hybrid credits for 8% and 10%.

In Vermont, Co-Operative Insurance Companies filed for a credit of 5%.

In Wisconsin, SECURA Insurance, a Mutual Company filed for a 5% discount.

For details regarding which coverage the discounts are applied, please see the individual filings.

Note: Premier Access users - please go to the Premier Search engine and enter CAP14828, CAP14829, CAP14830, CAP14831, CAP14837, CAP14837, CAP15050, CAP15052, CAP15053, CAP15055, CAP15449, CAP15450, CAP15451, CAP15452, CAP15454, CAP15458, CAP15459, CAP15461, CAP15462, CAP15463, CAP15464, CAP15467, CAP15468, CAP15551, CAP15563, NCP20884, VTP21403, CTP21419, WIP21764 in the RFC field to view the full Premier Search results.

Looking for more info regarding Hybrid discounts and credits Visit PK Forums at www.perrknight.com/pkforums

RFC Number(s): CAP15450, CAP14829, CAP15563, CAP15551, CAP15468, CAP15467, CAP15464, CAP15463, CAP15462, CAP15461, CAP15459, CAP15458, CAP15454, CAP15452, CAP15451, CAP15449, CAP15055, CAP15053, CAP15052, CAP15050, CAP14837, CAP14837, CAP14831, CAP14830, CAP14828, WIP21764, VTP21403, NCP20884, CTP21419

Date First Appeared: 01/15/2008

Progressive West and Progressive Advanced Increase Auto Rates in CA

Progressive filed to increase their base rates for Progressive West and Progressive Advanced (formerly Home) Insurance Companies. The overall effect of these filings will be an increase in our premium level of 6.7% in Liability, and 3.0% in Physical Damage.

These filings also include the group programs, Business and Professional Association Members and Emergency Roadside Assistance Club Members.

The proposed effective date for these changes is March 1, 2008.

RFC Number(s): CAP15851

Date First Appeared: 01/10/2008

Distinct Choice Update - Filing Ready in Connecticut

The Farmers Distinct Choice filing is now available in Connecticut.

Distinct Choice customizes rates for a broader range of customers and features a complex number of rating combinations. Rating is based on such variable factors as time elapsed between violations and household structure. Numerous discount and customization options are also available. Included in the rate and rule filings are the complete set of rates and rules, including all factors, the rate order of calculation and symbols.

Filings will be available in the next few weeks for Maryland and Mississippi, please check back for updates, or email tech@perrknight.com with any questions.

Note: Premier Access users - please go to the Premier Search engine and enter CTP21093 in the RFC field to view the full Premier Search results.

RFC Number(s): CTP21093

Date First Appeared: 01/08/2008

Car Insurance By the Mile

Milemeter is a new Texas-based startup selling car insurance by the mile.

Insurance is sold in increments as small as 1000 miles and as large as 6000 miles. There is no bulk discount everything is charged by the mile. The cost per mile is dependent on geography, driver's age, vehicle and coverage level. The miles expire after 6 months (required re-insurers; they hope to get rid of the expiration in time).

Milemeter does not require any sort of tracking system. They get an odometer reading from you when you sign-up. The insurance card will expire when the vehicle hits a certain mileage.

The base cost per mile is determined by three factors: geography, driver's age and the vehicle. Milemeter does not factor genderinto their pricing. This has earned them public support from NOW. Milemeter's approach assumes that insurance just comes down to how many miles a person drives.

RFC Number(s): TXP21671

Date First Appeared: 01/08/2008

Progressive Ratchets up New York Auto Rates

Progressive Northeastern Insurance Company, Progressive Northern Insurance Company and Progressive Northwestern Insurance Company all filed to raise their personal auto rates in New York.

The goal of this filing is to bring the current rate levels for the Personal Injury Protection, Residual Bodily Injury, and Property Damage coverages more closely into line with indicated rate needs. The changes contained in this filing include Base Rates (Exhibit RT-1a) and Limit/Deductible Factors (Exhibit RT-1b).

In addition to the rate changes, three new discounts are included which will offset the rate changes for certain existing policies. The Minor Child, Electronic Funds Transfer (EFT), and Multi-Policy are 5% discounts for the coverages to which they apply, as defined in the attached Rating Factor and Rating Rule Changes (Exhibit EXP-9, Rules 17.P, 17.Q, and 17.R).

The effective date for this filing is December 7, 2007.

Note: Premier Access users - please go to the Premier Search engine and enter NYP23402 in the RFC field to view the full Premier Search results.

RFC Number(s):

Date First Appeared: 01/04/2008

Distinct Choice Auto Filings Available in Pennsylvania, Kentucky, Maine and Vermont

Farmers is launching its new Distinct Choice PPA program in Pennsylvania, Kentucky, Maine and Vermont. The program is being sold through independent agents.

Distinct Choice customizes rates for a broader range of customers and features a complex number of rating combinations. Rating is based on such variable factors as time elapsed between violations and household structure. Numerous discount and customization options are also available. Included in the rate and rule filings are the complete set of rates and rules, including all factors, the rate order of calculation and symbols.

Filings will be available in the next few weeks for Maryland and Mississippi, please check back for updates, or email tech@perrknight.com with any questions.

Note: Premier Access users - please go to the Premier Search engine and enter MEP21762,KYP22601,MEP21673,VTP21329,VTP21328,PAP28695,PAP29434,PAP29157,PAP28903,PAP00883 in the RFC field to view the full Premier Search results.

RFC Number(s): MEP21762, KYP22601, MEP21673, VTP21329, VTP21328, PAP28695, PAP29434, PAP29157, PAP28903, PAP883

Date First Appeared: 12/27/2007

California Workers Compensation 2008 Rate Filings Are Here

To view a list of all the filings available, please click on the Search tab at the top of the page, and enter Workers Compensation as the Coverage option, NB Eff From Date of 01/01/2008, Workers Compensation as the LOB and Rate as the File Type.

CAW02809 - AmGUARD Insurance Company, EastGUARD Insurance Company, NorGUARD Insurance Company
CAW02808 - NOVA Casualty Company
CAW02807 - Graphic Arts Mutual Insurance Company, Utica Mutual Insurance Company
CAW02806 - American Employers Insurance Company
CAW02805 - Alaska National Insurance Company
CAW02803 - American Automobile Insurance Company, American Insurance Company, Associated Indemnity Corporation, Fireman's Fund Insurance Company, National Surety Corporation
CAW02802 - NIPPONKOA Insurance Company, Ltd.
CAW02799 - Hanover Insurance Company
CAW02797 - Lincoln General Insurance Company
CAW02796 - Employers Direct Insurance Company, Employers Direct Insurance Company
CAW02795 - Federated Rural Electric Insurance Corporation
CAW02794 - American Interstate Insurance Company
CAW02793 - Tower Insurance Company of New York
CAW02791 - Great American Alliance Insurance Company, Great American Assurance Company, Great American Insurance Company, Great American Insurance Company of New York
CAW02789 - American Casualty Company of Reading, PA, Continental Casualty Company, Continental Insurance Company, National Fire Insurance Company of Hartford, Transportation Insurance Company, Valley Forge Insurance Company
CAW02788 - Great Divide Insurance Company
CAW02783 - Electric Insurance Company
CAW02781 - California Insurance Company
CAW02779 - Preferred Employers Insurance Company
CAW02778 - National Interstate Insurance Company
CAW02777 - CompWest Insurance Company
CAW02775 - Cypress Insurance Company
CAW02775 - Oak River Insurance Company
CAW02774 - Transguard Insurance Company of America Inc
CAW02772 - Insurance Company of the West
CAW02771 - Explorer Insurance Company
CAW02767 - Ulico Casualty Company
CAW02766 - Preferred Professional Insurance Company
CAW02765 - American Economy Insurance Company, American States Insurance Company, American States Insurance Company of Texas, First National Insurance Company of America
CAW02759 - Redwood Fire & Casualty Insurance Company
CAW02757 - Old Republic Insurance Company
CAW02756 - Old Republic General Insurance Corporation
CAW02755 - Florists' Mutual Insurance Company
CAW02754 - Advantage Workers Compensation Insurance Company
CAW02751 - Bancinsure, Inc
CAW02728 - State Compensation Insurance Fund
CAW02725 - SeaBright Insurance Company
CAW02716 - Tower Insurance Company of New York
CAW02711 - Advantage Workers Compensation Insurance Company

If you are interested in having complete access to all the new California Workers Compensation filings for a flat rate, please contact Charles Pitts at (310) 230-9339 x176. We can also monitor, obtain and provide access to all California Workers Compensation filings going forward for a flat annual fee.

RFC Number(s):

Date First Appeared: 12/20/2007

Travelers Revamps MasterPac Program in Massachusetts - Discounted Document Price!

Travelers has lowered rates for its MasterPac program in Massachusetts by 6.0% effective February 1, 2008.

Modifications to the Class of Business (COB) Factors will be applied to published manual rates and will result in rate levels which better reflect the expected experience of individual classes of business and deductible factors.

The following classes of Pacs will be affected:
• Apartment
• Building
• Business
• Condominium
• Contractors
• Garage
• Manufacturers
• Office
• Religious
• Restaurant
• Store
• Tech Manufacturers
• Tech Office
• Wholesalers

The effective date for this filing is February 1, 2008.

This is a rate only filing with no companion forms being submitted. Existing forms will continue to be used.

Perr&Knight is pleased to announce a discount rate of $640 for Premier Access subscribers ($728 for Basic Users). The 1,452 page filing is being discounted almost 60% off the standard document price. (Discount will appear automatically in the shopping cart)

Note: Premier Access users - please go to the Premier Search engine and enter MAC02260 in the RFC field to view the full Premier Search results.

RFC Number(s): MAC2260

Date First Appeared: 12/18/2007

MA PPA Filers Updating Rates and Rules

Perr&Knight now has updates to companies that previously filed to PPA programs in conjunction with Massachusetts' new regulations. Arbella, Amica, Encompass, Electric and Citizens have all submitted revisions to their initial filings.

Massachusetts has made important regulatory changes concerning their personal auto rates. The changes will affect all PPA programs, and are outlined in the regulations at the link below.

Click Here to view new MA regulations

If you are interested in having complete access to all the new Massachusetts personal auto filings for a flat rate, please contact Charles Pitts at (310) 230-9339 x176. We can also monitor, obtain and provide access to all Massachusetts personal auto filings going forward for a flat annual fee.

Note: Premier Access users - please go to the Premier Search engine and enter MAP20561,MAP20560,MAP20559,MAP20557,MAP20558 in the RFC field to view the full Premier Search results.

RFC Number(s): MAP20561, MAP20560, MAP20559, MAP20557, MAP20558

Date First Appeared: 12/13/2007

Mid-Century Files Class Plan and Rate Change For CA PPA

CAP15729 is the rate filing proposing an overall rate change of +6.5% to the Private Passenger Auto program.

CAP15726 is the class plan filed in conjunction with the rate filing. Class plan changes include:

• Relativities for all rating variables shown in Exhibit 5.
• Revise pleasure use for Bodily Injury/Property Damage.
• Introduce an Electronic Stability Control Discount for Collision coverage.
• Revise mileage relativities for Bodily Injury and Medical coverages.
• Add new zip codes and revise frequency and severity band assignments.
• Revise relativities for Marital Status, Years of Driving Experience, and Gender
variables by coverage.
• Update model year factors.

Note: Premier Access users - please go to the Premier Search engine and enter CAP15726 CAP15729 in the RFC field to view the full Premier Search results.

RFC Number(s): CAP15729, CAP15726

Date First Appeared: 12/03/2007

Colorado DOI Requires Non-Stack Coverage for UM - First Set of Filings Now Available

A new auto insurance law in Colorado requires companies to use non-stack coverage for uninsured motorist (UM) protection if coverage is afforded at the policy level.

Farmer's Alliance Mutual submitted their changes, including 10.6% decrease in rates in COP22386. American Reliable submitted their changes with no rate impact in COP22385. American Banker's Insurance is filing their changes with no rate impact in COP22384.

Perr&Knight will continue to gather Colorado PPA filings that reflect the new regulations and put them on ratefilings.com as soon as they are available.

Note: Premier Access users - please go to the Premier Search engine and enter COP22384 COP22385 COP22386 in the RFC field to view the full Premier Search results.

RFC Number(s): COP22384, COP22385, COP22386

Date First Appeared: 12/03/2007

State Farm Homeowners Raises Rates 9.1% in Missouri

State Farm Fire & Casualty raises their rates 9.1% with this filing. Included in the document is a complete set of supporting exhibits, zone definitions, discounts, surcharges and all relevant program rules.

Among the changes are:

• Zone/Subzones are revised.
• Basic premiums are revised.
• Customer Rating Index - Minimum factor revised to .800 for Homeowners and Condominiums and .700 for Renters.
• Home/Auto Discount increased to 20%.
• Deductible adjustments are revised.
• Minimum premium is increased to $200 for Homeowners and to $100 for Renters and Unitowners.
• Optional Coverages Premiums for Optional Coverages are revised.
• Earthquake Introduced - Zone 1. Introduced 15% and 20% deductibles. 2% and 5%
deductibles will not be available in Zones 1, 2 and 3. Eliminated the 2% deductible in Zones 4 and 5. Policies in Zones 1, 2, & 3 converted to the 20% deductible with an offer to buy back to 10%. Policies in Zones 4 & 5 will be converted to the 10% deductible with an offer to buy back to 5%. The year built charge will now also apply to Frame dwellings. The charge will now vary by construction.

Note: Premier Access users - please go to the Premier Search engine and enter MOP21815 in the RFC field to view the full Premier Search results.

RFC Number(s): MOP21815

Date First Appeared: 11/30/2007

USAA Drops Homeowners Rates in Georgia 2.4%

The proposed changes include revising the Unity Premium and Territory Relativities for owners and unit-owners. Affecting owners only are revisions to the Deductible Relativities, the Protection/Construction factors, the Amount of Insurance Curve, and the Preferred Protection Plan Form 9 surcharge factor. Affecting unit-owners only is the revision to the Minimum Premium. Included are exhibits supporting these revisions.

An effective date of December 31, 2007 will apply to all policies.

Note: Premier Access users - please go to the Premier Search engine and enter GAP21380 in the RFC field to view the full Premier Search results.

RFC Number(s): GAP21380

Date First Appeared: 11/27/2007

Filings Regarding the Implementation of the New Massachusetts Regulations Now Available

Perr&Knight now has all new PPA filings for Massachusetts available for immediate download. Companies that have filed so far are:

• Amica
• Arbella
• Citizens (Hanover Group)
• Commerce
• Electric
• Encompass
• Farm Family
• Hanover (Motorcycle)
• Liberty Mutual
• Metropolitan
• NGM
• Norfolk and Dedham
• One Beacon
• Plymouth Rock
• Premier
• Quincy Mutual
• Safety
• USAA
• State Farm

If you are interested in having complete access to all the new Massachusetts personal auto filings for a flat rate, please contact Charles Pitts at (310) 230-9339 x176. We can also monitor, obtain and provide access to all Massachusetts personal auto filings going forward for a flat annual fee.

Massachusetts has made important regulatory changes concerning their personal auto rates. The changes will affect all PPA programs, and are outlined in the regulations at the link below.

Click Here to view new MA regulations

Note: Premier Access users, please click on the Premier Search tab and enter "MAP20555, MAP20555, MAP20554, MAP20553, MAP20552, MAP20551, MAP20550, MAP20549, MAP20548, MAP20547, MAP20546, MAP20545, MAP20544, MAP20543, MAP20542, MAP20541, MAP20540, MAP20539, MAP20538, MAP20537, MAP20536" in the RFC field.

RFC Number(s): MAP20536, MAP20537, MAP20538, MAP20539, MAP20540, MAP20541, MAP20542, MAP20543, MAP20544, MAP20545, MAP20546, MAP20547, MAP20548, MAP20549, MAP20550, MAP20551, MAP20555, MAP20555, MAP20554, MAP20553, MAP20552

Date First Appeared: 11/20/2007

GEICO Auto and Umbrella Updates in Pennsylvania

Perr&Knight has gotten many inquires recently regarding Berkshire Hathaway/GEICO's Pennsylvania Auto and Personal Umbrella business. Below are the recent relevant filings for the private passenger auto, motorcycle and personal umbrella programs.

Effective dates run from August 2006 to November 2007.

PAP27402 - Revised rates for BI, PD, UM/UIM. Various editorial revision to ppa rules. Revised territorial definition pages to include new territories.
PAP29354 - Revision of automobile amendment policy, uninsured motorist and other marked up pages. (Form only)
PAP29315 - Revision of certificate - interested party form. (Form only)
PAP28673 - Submission of hybrid discount, and new vehicle discount.
PAP28943 - Revision of effective date.
PAP28842 - Revision of manual pages with revised effective date.
PAP28711 - Revision of recreational vehicle coverage policy endorsement.
PAP28624 - Submission of a discount to policyholders that have an established business relationship with select commercial banking partners and are enrolled in the electronic funds transfer (EFT), e-bill, and e-policy programs.
PAP28618 - Revision of miscellaneous rules section, rate section, and exclusion territory pages.
PAP28526 - Revision of effective date for manual rules.
PAP28473 - Revision of base model rates and good driver discount rule.
PAP28414 - Submission of a new form: Policy Endorsement-Mobile Homes-Contents Only Endorsement and a withdrawal of the Policy Amendment and Coverage Selection Guide - Tort Option. (Form only)
PAP28197 - New and revised deviated symbols. Withdrawal of old deviated symbols.
PAP28106 - Introduction of several new coverages; vacation liability, replacement cost personal effects, emergency expense allowance, emergency roadside service and RV medical payments.

If you have any questions regarding these, or any other filings, please email tech@perrknight.com for assistance.

Premier Access users - please go to the Premier Search engine and enter PAP27402, PAP28106, PAP28197, PAP28414, PAP28473, PAP28526, PAP28618, PAP28624, PAP28673, PAP28711, PAP28842, PAP28943, PAP29315, PAP29354 in the RFC field to view the full Premier Search results.

RFC Number(s): PAP29354, PAP29315, PAP28943, PAP28842, PAP28711, PAP28673, PAP28624, PAP28618, PAP28526, PAP28473, PAP28414, PAP28197, PAP28106, PAP27402

Date First Appeared: 11/14/2007

Progressive Gets Big Rate Changes Approved for PPA, Motor Home and Travel Trailer in New York

Progressive has filed two important rate changes in New York - one for their Private Passenger Auto, the other for their Motor Home and Travel Trailer program. The PPA filing will increase rates approximately 7%, and the Motor Home/Travel Trailer filing will decrease rates significantly, depending on the individual company.


NYP23355 contains, among other things, a revision of limit and deductible factors for RBI and PIP line coverages. It is also introducing three new discounts. The filing was made in order to bring the current rate levels for the personal injury protection, residual bodily injury, and property damage coverages more closely into line with the indicated rate need


NYP2319 is a submission of a new vehicle use classification, discounts and surcharges. There is also a revision of territory definitions, multiple tiers, base rates, and rating factors.


NYP23219 is effective 08/03/07 and NYP23355 is effective 12/07/07.


Notes:
Premier Access users - please go to the Premier Search engine and enter NYP23355,NYP23219 in the RFC field to view the full Premier Search results.

RFC Number(s): NYP23219, NYP23355

Date First Appeared: 11/07/2007

SAFECO True Pricing in Nevada and Complete Underwriting Model in Ohio Available

Safeco has two more True Pricing filings available. The Ohio filing OHP22949 contains the complete new rates and rules for the True Pricing, including the complete underwriting model. The underwriting model contains 21 new variables and the new algorithms for customer placement.


The Nevada filing NVP21825 contains the complete set of updated rates and rules for the True Pricing program.

Notes:
OHP22949 is a very large filing, if you have trouble downloading it, please email tech@perrknight.com for assistance.
Premier Access users - please go to the Premier Search engine and enter OHP22949,NVP21825 in the RFC field to view the full Premier Search results.

RFC Number(s): NVP21825, OHP22949

Date First Appeared: 10/31/2007

Progressive Files Updated PPA Manual Pages in Virginia

Progressive has made some important changes to their Direct PPA program in Virginia. These filings include a complete set of the new rates and rules.

RFC Number(s): VAP21798, VAP21797, VAP21796

Date First Appeared: 10/25/2007

Nationwide Insurance Substantially Lowers Homeowners Rates in California

Nationwide Insurance Company of America has lowered Homeowners rates in California by 9.4%

These filings contain the rating changes as well as the manual pages and one rule revision for Nationwide's HO program in California.

Among the changes included are:
• Base Rate Revisions
• Home Purchase Discount ranging from 0-5%
• Age of Insured Rating Discount of 2%
• Multi-policy Discount of 5-10%
• Minimum Form Premium Increases
• Amount of Insurance curve revisions
• Revisions of Deductible Factors over $1,500
• HO-65 Coverage Limit increase
• Agent Manual revisions

These changes went into effect on October 2.
CAP15183 is the original filing requesting the rate decrease
CAP15373 is the accompanying manual pages
CAP15416 contains the revisions to the original filing

RFC Number(s): CAP15416, CAP15373, CAP15183

Date First Appeared: 10/02/2007

GEICO's Newest California Auto Rates

GEICO's new auto rates are ready for viewing, including the original submission, all additional correspondences and the approval letter from the DOI.

GEICO is lowering rates between two and 15 percent, depending on individual program. The rate/rule filing and class plan filings can all be downloaded.

The overall 10.8% rate reduction translates to $65.8 million in overall premium reduction. GEICO's filing meets the new CA DOI auto rating factor regulations, rewarding good drivers for their behavior.

RFC Number(s): CAP15465, CAP15466, CAP15467, CAP15468, CAP15468, CAP15464, CAP15463, CAP15462, CAP15461, CAP15460, CAP15459, CAP15458, CAP15456, CAP15454, CAP15453, CAP15452, CAP15451, CAP15450, CAP15449, CAP15303, CAP15055, CAP15054, CAP15053, CAP15052, CAP15051, CAP15050, CAP14925, CAP14837, CAP14834, CAP14831, CAP14830, CAP14829, CAP14828

Date First Appeared: 08/10/2007

Quantum Homeowners Filing Available in California

Travelers is introducing their Quantum Homeowners programto California, effective July 22, 2007. Included in this filing is their new contract, forms, coverages, rate and rule manuals, and the required state forms. The new Quantum program offers increased number of price points and new forms and coverages which are customer friendly and allow for easy customization of coverage.

RFC Number(s): CAP15181

Date First Appeared: 07/26/2007

USAA Files for Variance From New California HO rules

USAA files for a variance from the California Department of Insurance prior approval ratemaking formula. USAA submitted a 30% rate increase under the homeowners multi-peril line for the company’s Renters Program. Effective April 3, 2007, the DOI implemented new regulations relative to their prior approval ratemaking formula. USAA is the first company to submit a filing under these new regulations requesting a variance as set forth in Title 10, California Code of Regulations, Section 2644.27. Exhibit XV of the USAA rate filing contains the support for the company’s request for a variance.

RFC Number(s): CAP15415, CAP15417

Date First Appeared: 07/13/2007

NY Quantum, Florida No Fault, KY True Pricing

RFC Number(s): FLP30628, FLP30593, FLP29728, FLP30311, FLP30260, FLP30255, FLP30639, FLP30640, FLP30641, FLP30642, NYP23195, KYP22008, FLP30629

Date First Appeared: 06/28/2007

Farmers Introduces Next Generation Homeowners Product

Farmers is offering a new product called "Next Generation" which is designed to be flexible, giving an insured several coverage options to choose from rather than bundling them as a package.

The Next Generation Homeowners policy has been filed in 10 states:
- Arizona (NB 08/01/2006)
- Colorado (NB 12/01/2006)
- Illinois (NB 05/12/2007)
- Nevada (NB 02/01/2007)
- Tennessee (NB 08/01/2007)
- California (NB 06/16/2007)
- Kansas (NB 05/01/2007)
- New Mexico (NB 03/01/2007)
- Ohio (NB 03/01/2007)
- Minnesota (NB 03/01/2007)

RFC Number(s): TNP21124, OHP22398, NMP21350, MNP21394, KSP20532, ILP23846, COP22172, COP22171, COP22164, COP22097, COP22062, COP22061, COP22023, CAP14862, AZP24278, AZP24277, AZP24010, AZP23938

Date First Appeared: 06/21/2007

Safeco True Pricing Details in AZ

With this filing effective April 19, 2007 for new business and May 24, 2007 for renewal business, Safeco is introducing a new auto product, Safeco True Pricing for Auto. This new product is a significant change from the old product and as such, nearly all factors will be changing based upon
a multi-variate loss cost analysis. Additionally, Safeco is introducing a number of new rating variables and discounts. In addition to the introduction of the new product, rates are decreasing by 4.3%. Highlights of these changes include:
- Changing base rates
- Changing tier factors
- Changing driver class factors
- Changing limits and deductibles
- Changing territory factors
- Changing model year factors
- Changing symbol factors
- Changing policy, vehicle, and driver level discounts
- Changing vehicle usage surcharge amounts
- Changing merit surcharge amounts
- Changing our rating algorithm
- Changing merit point assignments to vary by the age of the incident and number of same
occurrences
- Varying driver class factors by policy tenure
- Adding a household structure factor
- Adding an IBS rating factor
- Adding a coverage discount
- Adding an advanced quoting discount

RFC Number(s): AZP24505

Date First Appeared: 06/07/2007

MSP HO filings

RFC Number(s): MSP20622, MSP20623, MSP20624, MSP20625, MSP20626

Date First Appeared: 06/07/2007

Safeco True Pricing filings available in Illinois and Michigan

Safeco launched the new version of their multi-variate pricing segmentation model called Safeco True pricing in March 2007.

The Illinois filing is effective March 8th, 2007 and the Michigan filing is effective April 5th, 2007.

RFC Number(s): ILP23805, MIP21053

Date First Appeared: 05/29/2007

New Private Passenger Auto Program in New Jersey

Liberty Mutual has entered the New Jersey Personal Auto Market, and their initial filing as well as two recent rule revisions are now available for download. The initial filing contains the entire rating manual, including territory definitions and policy forms.

The effective date for the program is February 19.

The writing company is Liberty Mutual Mid-Atlantic Insurance Company.

RFC Number(s): NJP23097, NJP23096, NJP23098

Date First Appeared: 05/10/2007

Progressive Drive Lowers Auto Insurance Rates and Changes Rating Algorithm in Indiana

Revision of proprietary algorithm, renewal increase rate cap, and method of calculation of driver's merit factor for drivers with a foreign license, submission of applicable financial responsibility rule, and underwriting tier re-evaluation rule, revision of method to apply vehicle symbols, and submission of S2005 series symbols, factors accompanying new symbols, S2005 symbols rule, rule regarding multi-policy discount, and rule regarding re-writing specified customers.

This filing includes a full copy of Progressive’s underwriting rules.

RFC Number(s): INP22338

Date First Appeared: 04/20/2007

21st Century Tierifies New York

NOTE: THIS IS AN UPDATED VERSION OF THE PREVIOUS 21st CENTURY NEW YORK FILING THAT WE OBTAINED.

21st Century Insurance Company enters the New York PPA market on April 21. This is the first New York filing to get approved with a full 60 tiers, each broken down in the filing. Also included in this filing are the program rules, including discounts, territory/zip assignments and the base rates and complete rate calculation formula.

The complete rate and rule manual is now available for download.

If you purchased the previous version of this filing - NYP23028 - please email tech@perrknight.com for a credit towards this filing.

RFC Number(s): NYP23098

Date First Appeared: 04/18/2007

Progressive Lowers Motorcycle Rates for Agency & Direct in PA

Progressive files for a 9.8% rate decrease to its motorcycle program in Pennsylvania. The rate decrease is the same for both Progressive Northern (Agency) and Progressive Direct (Direct). The filing completely replaces the rates and rules on file. Support for the proposed changes includes revised rules, and actuarial summary and rate detail by coverage. Changes include changing the rate cap, adding territories and revised rating factors based on experience.

RFC Number(s): PAP28368

Date First Appeared: 04/05/2007

State Farm Lowers Auto Rates in Ohio

State Farm is lowering their private passenger auto rates in Ohio by 8.8% This filing contains a complete manual.

State Farm has over 1.4 million policies in Ohio, and writes over $900 million in DWP.

RFC Number(s): OHP22306

Date First Appeared: 03/28/2007

Balboa's Countrywide Program Throws Hat into CA PPA Ring

Balboa Insurance Company is now open for PPA business in CA with the recent approval of its new program and class plan filings. Included in these filings is the introduction of Countrywide's Master plan, a new collection of optional packages. The filings contain a complete set of rates, rules, symbols and forms in accordance with California regulations.

RFC Number(s): CAP15059, CAP14904, CAP14903

Date First Appeared: 03/19/2007

Nationwide files first presumed factors in FL

Nationwide made the first presumed factor filing in FL. Earlier in the week, the FL OIR announced the requirement to file new presumed factors, and Nationwide was the first to file. This filing has not yet been approved by the FL OIR because it does not contain the backup documentation required by FL's new regulations. The DOI has not said whether or not the rate change is satisfactory. Rate changes were made to the hurricane side only, and the overall proposed decrease is -4.5%.

RFC Number(s): FLP29714

Date First Appeared: 03/09/2007

State Farm Files Possible Auto Rate Decrease in Florida

State Farm is filing a rate revision in response to the possible sunset of Florida no-fault law. Base rates, limits relativities and frequencies are all included in the document. The overall decrease for two filings combined is 16%, and the details are broken down within the filing. This filing would only be effective if the current no-fault system is not renewed.

RFC Number(s): FLP29575

Date First Appeared: 02/21/2007

State Farm Auto and Homeowners rate decrease/class plan filings now available

Homeowners - The homeowners filing is a response to the DOI's questions regarding: minimum deductible coverage effect, amount and deductible relativities, % deductible effect, and frequency, severity, pure premium data through June 2006; revised exhibit 1, and revised filing memorandum including revised overall rate changes.

Auto - The auto filing includes a revised overall rate reduction, proposed multiple line and persistency discount percentages, DSRRP rule, rules regarding accident forgiveness provision and responses to questions from DOI regarding: accident/conviction forgiveness rule, DRL reductions clear record, assignment of driver safety record level, definition of married, principal / occasional operators rule, and excess vehicles.

RFC Number(s): CAP14836, CAP14835, CAP14843, CAP14183, CAP14007, CAP14004, CAP14611, CAP14713

Date First Appeared: 01/30/2007

American Family Introduces Credit for Homeowners Product in IL, IA and AZ

American Family Mutual Insurance Company has introduced a "Customer Pricing Group" feature to its homeowners program. The new groupings use credit scoring to help price the premiums. The groupings were deveped with a multivariate analysis and create 40 new rate levels.

The credit scoring changes were filed as a revision to the existing program. Perr&Knight has three immediately available for download, and will continue searching for more.

It is now available in:
Illinois - effective 11/01/06
Iowa - effective 11/01/06
Arizona - effective 1/1/07

RFC Number(s): ILP23423, IAP21102, AZP24084

Date First Appeared: 01/25/2007

Allstate CP / RR and the Progressive Choice (Direct) Rate Filings Now Available

These are the last of the top 10 writers to file. There are 5 filings available covering rate and class plan revision for Allstate Indemnity Company, Allstate Insurance Company, Allstate Property & Casualty Insurance Company, and Progressive Choice Insurance Company.

CAP14427 - Progressive Choice's rate revision.
CAP14428 - Allstate P&C's class plan revision to change Years Licensed Factor, Marital Classification Factor, Frequency Rating Bands, and to update the Good Driver Rule.
CAP14429 - Allstate P&C's base rate revision.
CAP14430 - Allstate & Allstate Indemnity's base rate revision.
CAP14431 - Allstate & Allstate Indemnity's class plan revision to change the High-Value Vehicle PGS Adjustment Factor, Deductible by PGS Tables, Years Licensed Factors, Marital Classification Factor, Gender Classification Factor, Frequency Rating Bands, Multiple Policy Discount, Multiple Vehicle Rating Factor, territorial definitions, and Good Driver definition and introduction of a new driving record rating plan.

RFC Number(s): CAP14431, CAP14430, CAP14429, CAP14428, CAP14427

Date First Appeared: 10/18/2006

First Allstate's Your Choice Homeowners Filing Available

This Idaho filing contains the first publicly available information on Allstate's Your Choice Homeowner program. Included are:

- Modified version of the Insurance Scoring Model
- Introduction of Allstate Your Choice Home Insurance option packages through bundling of current coverages or introduction of new coverages that target specific customer needs.
- New rating plan
- New roof rating, the partially renovated home discount
- Expanded home buyer discount
- Associated forms (separate filing # IDP20390)

RFC Number(s): IDP20390, IDP20389

Date First Appeared: 09/20/2006

GEICO Files Auto Rates to Comply With California Regulations

GEICO became the most recent company to file rates and class plans to comply with the current territory regulations. There are 22 filings available, covering all GEICO companies that write personal auto in California.

These filings contains all the new rating factors including safety record, annual mileage, years of driving experience, marital status, gender and use.

Other proposed changes include the introduction of a five year good driver discount, good student discount, additional anti theft categories, passive restraint discount, vehicle liability rating factors to all vehicles beginning with model year 2008, and rental reimbursement coverage. Changes have also been made to physical damage base model year from 1999 to 2005, varying persistency discount by policy term, increasing limit factors for bodily injury, increasing limit deductibles for comprehensive and collision etc.

Perr&Knight is monitoring all Personal Auto filings as companies look to come into compliance with the new regulations. Our consultant is at the CA DOI daily and will make them available to us upon submission. Please check back on the HotFilings page often, as we will be adding filings as soon as they are made public. Please feel free to contact tech@perrknight.com with any questions.

RFC Number(s): CAP14094, CAP14093, CAP14092, CAP14091, CAP14090, CAP14089, CAP14088, CAP14087, CAP14085, CAP14084, CAP14083, CAP14082, CAP14081, CAP14080, CAP14079, CAP14078, CAP14077, CAP14076, CAP14075, CAP14074, CAP14073

Date First Appeared: 09/06/2006

Allstate's New CA Homeowners Rate Plan Seeks First Increase in Three Years

Allstate Insurance Company filed its new rating plan for homeowners insurance designed to more accurately reflect the capital required to write in California. The filing aims to increase rates by an average of 12.2%, or an estimated $96 million in annual premium. The company's first rate increase in more than three years will average out to about $107 per policy

The filing contains:
- Provisions to incorporate the net cost of two reinsurance contracts into the rates
- Loss recoveries which have been adjusted by Allstate to account for loss adjustment expenses and demand surge
- A provision for expected costs to Allstate regarding the California Earthquake Authority.

RFC Number(s): CAP14103

Date First Appeared: 09/06/2006

CSAA Becomes the Fourth Major California Auto Insurer to File For Compliance With New Regulations

This filing designed to comply with all California regulations. Correction of non-compliance for all optional factors, weights for combined rating factors calculated for each separate rating component. Also includes discount associated with AAA DriveSync safety device.

CAP14005 is the class plan
CAP14006 is the rate filing

Perr&Knight is monitoring all Personal Auto filings as companies look to come into compliance with the new regulations. Our consultant is at the CA DOI daily and will make them available to us upon submission. Please check back on the HotFilings page often, as we will be adding filings as soon as they are made public. Please feel free to contact tech@perrknight.com with any questions.

RFC Number(s): CAP14006, CAP14005

Date First Appeared: 08/21/2006

Safeco Introduces Optimum Package Coverages in Colorado

With this filing, Safeco's auto program introduces two new optional coverages:

Safeco Optimum Package, rated at 20% of of the collision coverage premium, and
New Vehicle Replacement, rated at 5% of the collision coverage premium

In addition, they have combined the two existing coverages, Electronic Equipment and Special Equipment under Audio, Visual and Customized Equipment coverage at no additional charge.

The filing also introduces the Optimum Package at the same rate relationship for Recreational Vehicles.

COP21768 is the product guide for this filing.

RFC Number(s): COP21768, COP21769

Date First Appeared: 08/21/2006

State Farm Becomes Third California Carrier to Implement New Rates

CAP14007 is the class plan filing for State Farm's latest changes. The filing includes a sequential analysis of rating factors, proposed rating relativities for rating factors, miscellaneous coverages and impact to policyholders' premiums.

California's largest automobile insurance company said Wednesday that it planned to cut premiums an average of 8% for almost all of its 3 million customers and begin setting rates mostly based on a motorist's driving record.

State Farm Mutual Automobile Insurance Co., which has 12.8% of the market, said it would abandon its opposition to new state regulations and would comply today.

CAP14004 is the rate filing for State Farm's latest changes. Perr&Knight expects to have the class plan filing within the next few days. Please check the HotFilings page for any updates.

Perr&Knight is monitoring all Personal Auto filings as companies look to come into compliance with the new regulations. Please check back on the HotFilings page often, as we will be adding filings as soon as they are made public. Please feel free to contact tech@perrknight.com with any questions.

USAA Becomes Second California Company to Comply With New Regulations - Additional filings now available

USAA, the state’s 9th largest auto insurer, joins the Auto Club of Southern California in voluntarily agreeing to adopt Garamendi’s Good Driver Auto Insurance Reforms while also lowering rates for its policyholders.

The companion rate and rule filings for USAA's class plan filing are now available: CAP13978, CAP13979, and CAP13980.

- Revision of base rates, increased limit rates, Waiver of Collision Deductible rate, territory relativities, multi-policy discount, persistent discount, and class factors.
- Introduction of two new optional rating variables.
- Other rating variable changes.

Pleae note, yesterday we erroneously cited an overall 8% decrease for USAA. The average decrease is 5.1%.

RFC Number(s): CAP13978, CAP13979, CAP13980

Date First Appeared: 08/11/2006

USAA Becomes Second California Company to Comply With New Regulations

USAA, the state’s 9th largest auto insurer, joins the Auto Club of Southern California in voluntarily agreeing to adopt Garamendi’s Good Driver Auto Insurance Reforms while also lowering rates for its policyholders

USAA's 5.1% decrease in premium rates for policyholders, a move that coincides with the company’s decision to implement the Good Driver Auto Insurance Reforms.

CAP13977 is USAA's class plan filing and includes all of the company's changes to be in compliance with the new regulations.

RFC Number(s): CAP13977

Date First Appeared: 08/10/2006

Safeco's New PPA Program Allows Multiple Customer Customization Options - Now Available in Multiple States

Filings for Safeco's newest auto program are now available on www.ratefilings.com in five states - Maryland, Michigan, Ohio, South Carolina and West Virginia. We expect to be adding more states in the near future, including Alabama, Colorado, Illinois, Indiana and Oregon.

The new Safeco Auto Policy is a simple, straightforward offering designed to cover the needs of typical drivers -- including coverage of manufacturer-installed audio/video equipment and children's car-seat replacement. Safeco also is including a series of additional coverages customers can select to create a policy that best matches their needs -- such as purchase-price replacement for totaled new cars or loan-and-lease coverage for outstanding bank notes on totaled vehicles.

A Safeco Auto Policy now covers a broader group of customers. For instance, domestic partners and civil-union partners can now be identified as "insureds."

A new endorsement offering, the Safeco Optimum Package(TM), includes eight bundled coverages aimed at rewarding safe driving and providing extra protection for emergencies, repairs and personal property:

-- Diminishing deductible (Reduces collision deductible by $50 every six months, up to $500, as long as the customer has no at-fault accidents)
-- Electronic lock, ignition and key replacement deductible waiver
-- Emergency expenses
-- Personal property coverage
-- Waiver of adjustment for depreciation
-- Uninsured motorist property damage deductible waiver
-- Worldwide rental car physical damage coverage
-- Non-owned trailer coverage
-- increased limits

The entire package is available to customers for as little as $5 a month.

The new auto policy is available today in 14 states, and by year end is expected to be introduced in all 44 states where the company offers personal auto products. The 14 states are: Alabama, Colorado, Idaho, Illinois, Indiana, Iowa, Michigan, Missouri, Nebraska, North Dakota, Ohio, Oregon, South Dakota and Utah.

RFC Number(s): SCP21545, WVP20818, MDP21609, MIP20897, IDP20379, OHP21913

Date First Appeared: 07/24/2006

The Hanover Insurance Group Launches Popular Connections Auto Product in New Hampshire, New Jersey

Filings for The Hanover Insurance Group's popular Connections(TM) Auto product is are now available in Florida and Michigan.

Connections Auto, a state-of-the-art, multi-variate auto product with nearly limitless customer segmentation capabilities, has driven private passenger automobile new business growth of more than 150 percent, and is now available in 12 states including Connecticut, Florida, Illinois, Indiana, Louisiana, Maine, Michigan, New Hampshire, New Jersey, New York, Tennessee and Virginia.

RFC Number(s): FLP27484, FLP28263, ILP22776, MIP20840

Date First Appeared: 07/24/2006

Auto Club's New California Rate Filing and Class Plan -- Discounted Download Rate Available!

Nearly 1 million policyholders in both rural and urban areas will see an average annual decrease of $134.

Insurance Commissioner John Garamendi today announced he intends to approve a 7% decrease in premium rates for policyholders of the Automobile Club of Southern California. The requested decrease coincides with the Auto Club’s decision to implement the Commissioner’s proposed regulations on the fair pricing of auto insurance.

“In 1988 voters approved Proposition 103 and demanded that prices be based primarily on how safely you drive, and not where you live,” said Commissioner Garamendi. “Thanks to the Auto Club’s action nearly 1 million drivers will realize that wish, along with an average annual decrease in their premiums of $134. And, contrary to what many in the insurance industry have claimed, this clearly demonstrates that compliance with the proposed regulations does not necessitate rate increases. I commend the Auto Club for its good work on behalf of policyholders.”

Although the regulations are pending before the state’s Office of Administrative Law, the Auto Club has been actively working with the Department and providing input on early implementation.

“We want to thank the Commissioner for deciding to approve our rate decrease so quickly and we are pleased to be in compliance with his proposed new regulations, “ said Thomas V. McKernan, president and CEO of the Auto Club. “This means that our policyholders will be receiving more than $133 million in savings, another step in our ongoing commitment to reduce the cost of insurance.”

Today’s announcement significantly advances the Commissioner’s ongoing efforts to compel insurers to comply with voter-approved Proposition 103. Due to the actions of former Commissioner Chuck Quackenbush, insurers have avoided compliance with the law’s provisions calling for rates to be based primarily on three mandatory factors - driving record, driving experience, and number of miles driven. Instead, thanks to the Quackenbush system, insurers have been allowed to give more importance to other factors, such as marital status, gender, and most frequently, Zip code.

This system permitted insurers to charge widely varying rates to identical drivers living across the street from one another, based solely on their respective Zip codes. “The current system hurts good drivers who are penalized simply because they live in the wrong Zip code,” said Commissioner Garamendi. “My new regulations will reward good drivers regardless of where they live. I commend the Auto Club for its proactive efforts on behalf of policyholders, and I urge other insurers to follow suit.”

The Department has revised the regulations since their introduction last year. Recognizing the concerns of drivers across the state, the Commissioner’s changes ensure that risk of loss is appropriately represented in the rating factors.

Additionally, insurers will be given two years to fully comply with the new standards, though they must show significant progress towards meeting the goal during the first year after implementation of the regulations.

--------------------------------

There are five total filings (four rate filings and one class plan). For those clients who do not already have this filing included as part of their subscription, we're pleased to offer two discount options:

1) Purchase the class plan and all four rate filings for a total price of $650 (Premiere Access subscribers) or $750 (Basic Access users). DISCOUNT CODE: RF071206A

- or -

2) Purchase one of the rate filings at regular price and get all four rate filings. DISCOUNT CODE: RF071206B

To take advantage of either of these two offers, please follow the normal purchasing procedure, then send an email to tech@perrknight.com with the discount code in the subject line (nothing else needs to be included in the email).

CAP13880 (DOI# 06-4391) - Primary rate filing

CAP13881 (DOI# 06-4389) - Scientists, Educators and Engineers rate filing

CAP13882 (DOI# 06-4390 - Lawyers rate filing

CAP13883 (DOI# 06-4392) - Class plan

CAP13884 (DOI# 06-4393) - Select Groups rate filing

RFC Number(s): CAP13884, CAP13883, CAP13882, CAP13881, CAP13880

Date First Appeared: 07/12/2006

Quantum Auto - Travelers Customizes Quantum PPA Programs Through Multi-Tiering and Insurance Scoring

Travelers Group is introducing Quantum Auto, a multi-tiered private passenger program, in Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Maryland, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, and Wisconsin.

As member companies implement this new product, they are customizing it to their respective markets by deciding to either base it on driver class assignments or insurance scoring, creating rules to facilitate the transition from former private passenger programs, or developing a unique Quantum Auto rating plan altogether.

For example, in Tennessee, Arkansas, and Wisconsin, Travelers is introducing a Hybrid Electric Vehicle Discount in their Quantum Auto program.

Travelers Home & Marine and Travelers Commercial insurance companies in South Carolina; Travelers Home & Marine and Travelers Property Casualty in Ohio; and Consumers County Mutual in Texas will base their underwriting logic on rating variable interactions and driver class assignments. Specifically in Texas and Ohio, the programs are designed to increase the amount of price points to drivers. While in Ohio, Travelers is introducing a new writing company, In South Carolina, Travelers is submitting the Transaction Modification Rule to assist in transferring policyholders of former PPA programs, revising eligibility rules, and updating premiums for forms including Offer of Optional Additional Uninsured Motorist Coverage. Filings include Symbol and Identification pages, model year factors, supplemental rates, underwriting tier guidelines, driver points calculation, increased limit factors, primary classifications, base rates, driver and non-driver variables, deductibles, Declarations, forms, and endorsements.

Conversely, Travelers companies in Pennsylvania, Florida, Maryland, New Jersey, Nebraska, Connecticut, and Indiana are aiming to provide greater segmentation through multi-variant tables, underwriting tiers, broad insurance scoring ranges, and usage of driver averaging method instead of class assignment. In Florida, Travelers Commercial and Travelers Home & Marine are employing a new expense flattening methodology and implementing a rate level equivalent to First Floridian's and Travelers Indemnity's programs "Legacy" and "Travelers Auto." In Indiana, TravCo and Travelers Home & Marine are adopting the previously filed and approved Transition Modification Rule to convert 700 TravCo policies to the Quantum rating plan and correcting Miscellaneous Vehicle Adjustment Factors for boat/utility and camper trailers. Filings include eligibility rules, rating plans, credit scoring, pure premiums, expense allocation, proprietary and confidential information, and territory factors.

GAP20774 is a forms only filing.

RFC Number(s): WIP21013, MDP21631, VAP21295, VAP21297, WIP21063, WAP23090, OHP21599, NVP20731, NJP21192, NJP21222, NEP20289, NEP20288, MOP20909, MOP20907, MDP21513, MDP21512, GAP20774, CTP20742, CTP20741, COP21574, COP21700, AZP23311, AZP23577, ARP20767, RIP20355, SCP21105, SCP20957, SCP21222, SCP21223, OHP21599, TXP21100, TXP21101, TXP21102, TNP20881, FLP27687, INP20669, INP20670, INP20671, INP20672, PAP26705, PAP26634, ORP23053, ILP22374, SCP20973, TNP20876, NHP20777, NHP20819, RIP20357

Date First Appeared: 05/01/2006

Travelers Introduces Quantum Auto Private Passenger Program in New Hampshire and Rhode Island

Travelers Home & Marine Insurance Company and TravCo Insurance Company are introducing the multi-tiered Quantum Auto program in New Hampshire designed to provide greater segmentation of their private passenger auto product by utilizing multi-variant tables, multiple underwriting tiers, a broad range of Insurance Scores, and a driver averaging method versus the use of class assignment.

The companies are submitting their entirely new Personal Auto Manual, detailing the following rates and rules for the new Quantum program:

- Expense Allocation by Insurance Score Group
- Symbol and Identification pages
- Rating examples of risk factors
- General and eligibility rules
- Model year classifications
- Increased limits
- Territory relativities
- Base rates
- Driver and non-driver variables
- Longevity tables
- Driver points calculation

In Rhode Island, Travelers emphasizes that Quantum Auto broadens coverage by offering a substantial increase in price points, expanding eligibility rules for Driver Training Credit, and revising Account Credit factors.

In order to facilitate the transfer of existing policyholders in New Hampshire into Quantum's rating program, Travelers has introduced rating factors for Agency Book Transfers and supplemental rules including Transition Modification - New Program and Acquisition, Year of Conversion, and Annual Renewal rules. Whereas the Transition Modification - New Program rule's purpose is to reduce policyholder disruption that may result from their conversion into a new or different class plan; the Transition Modification - Acquisition rule is intended to protect the policyholder's conversion into Travelers' rating program in the event of a merger, acquisition, renewal rights, or large agent book transfer transaction.

RFC Number(s): RIP20355, NHP20819, NHP20777

Date First Appeared: 02/19/2006

State Farm Decreases PPA Rates and Increases Discounts in Texas

State Farm Fire & Casualty Company, State Farm Mutual Automobile Insurance Company, and State Farm County Mutual Insurance Company of Texas are revising discounts, minimum Customer Rating Index (CRI) factors, renewal models, and antiques & classic auto rates, resulting in a rate decrease for Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Medical Payments, Comprehensive, and Collision coverages.

Revisions to Private Passenger Auto Classifications - Definitions rules reflect an increase in Multi-Car, Multiple Line, and Academic Achievement discounts. State Farm is expanding Multi-Car and Academic Achievement discounts to youthful drivers. They are also increasing the Multiple Line Discount for policyholder who also have a State Farm Personal Liability Umbrella Policy and a homeowners or farm/ranch policy.

The filings include the following:

- Revised Texas Rules and Rating Manual pages.
- Actual Underwriting Experience Before Policyholder Dividend exhibit.
- Antique and Classic Automobiles and Replicas Limited Use rate page.
- Age adjustment factors.
- Increased Limits Tables.
- Youthful Without Driver Training in Single Car Household rate page.

RFC Number(s): TXP21405, TXP21404, TXP21403

Date First Appeared: 01/01/2006

Progressive Commercial Auto in VA has Major Changes

This filing features the coordination of the transfer of Progressive Classic Insurance Company book to United Financial Casualty Company on renewal and includes:

- Renewal Rate Capping (RRC) section
- Revision of base rates
- Body Type/Use Class (BTU) factors
- Driver Class factors
- Collision and comprehensive deductible factors
- Fire & Theft deductible factors
- Liability Limit factors
- Hired Auto Limit factors
- Non-Owned Auto Limit factors
- UM/UIM Limit factors
- Territory factors and definitions
- Forms section
- Trend Data

RFC Number(s): VAC20204

Date First Appeared: 12/20/2005

State Farm Submits Unique Private Passenger Auto Rating Plan in Texas

State Farm Mutual Automobile Insurance Company and State Farm Mutual Automobile Insurance Company are making several rating plan revisions in response to Texas Senate Bill 14, which permits insurers to implement unique rating plans different from the previously prescribed plans of the Texas Department of Insurance.

Changes to the rating plan include converting physical damage symbols to State Farm Insurance Rating Groups (IRG) and current Texas program for limited use antiques to the State Farm rating program for antiques and classics; adjusting IRG, Annual Insurance Rating Group, Vehicle Safety Discount, and Liability Rating Groups; introducing State Amount and Non-Metal Discount rules; and customizing utility and sports vans IRG assignments.


Filings includes the following:

- Model year rating factors
- Insurance Rating Group relativities
- Credibility table
- Group definitions of vehicle classifications
- Revised rate and rule pages

Effective dates for the two filings are January 1 and 15, 2006.

RFC Number(s): TXP21089, TXP21088

Date First Appeared: 12/20/2005

Travelers Introduces New Quantum Auto in Oregon

Travelers Home and Marine Insurance Company and Travelers Commercial Insurance Company are introducing their Quantum Auto program in Oregon.

This new auto product offers a substantially increased amount of price points to Oregon drivers.

Quantum consists of multiple tiers, underwriting logic based on rating variable interactions and driver assignment logic, all of which is inductive to offering competitive rates to Oregon drivers.

Quantum's ability to rate customers and account for their many rating variable interactions leads to substantially more competitive rates for insureds than compared to a traditional underwriting program that places rating variable into large groups or simply decline the customer.

Additionally, Quantum's pricing sophistication allows for more precise pricing action when addressing future frequency and or severity of the program.

Enclosed with the Quantum filing package, is the necessary supporting documents, including:
- Base rates
- Territory relativities
- Bodily Injury and Property Damage Increased Limit Factors
- Driver age/years licensed, points, and prior insurance carrier pure premiums
- Expense allocation
- Longevity tables
- Symbol and identification pages
- Non driver variables
- Eligibility tier guidelines
- Complete new manual

This filing has a new business effective date of November 20, 2005.

RFC Number(s): ORP23053

Date First Appeared: 12/20/2005

November California Workers' Compensation Filings Now Available

November saw a flurry workers' compensation filing activity in California, including rate changes from the most popular companies.

Click the link below to see all the November filing activity, including documents from:

- State Compensation Insurance Fund
- Zenith Insurance Company
- Everest National Insurance Company
- 5 American International Group (AIG) companies
- Redwood Fire & Casualty Insurance Company and National Liability & Fire Insurance Company

RFC Number(s): CAW2180, CAW2179, CAW2178, CAW2177, CAW2176, CAW2175, CAW2174, CAW2173, CAW2172, CAW2171, CAW2170, CAW2169, CAW2168, CAW2167, CAW2166, CAW2165, CAW2164, CAW2163, CAW2162, CAW2161, CAW2160, CAW2159, CAW2158, CAW2157, CAW2156, CAW2155, CAW2154, CAW2153, CAW2152, CAW2151, CAW2150, CAW2149, CAW2148, CAW2147, CAW2146, CAW2145, CAW2144, CAW2143, CAW2142, CAW2141, CAW2140, CAW2139, CAW2138, CAW2137, CAW2136, CAW2135, CAW2134, CAW2133, CAW2132, CAW2131, CAW2130, CAW2129, CAW2128

Date First Appeared: 12/01/2005

Filing to Change California Personal Auto Persistency Discount Available

The Mercury Insurance Group's Mercury Insurance Company, Mercury Casualty Company and California Automobile Insurance Company, have submitted their newest class plan filing in order to comply with California's recent invalidation of SB 841 governing persistency discount rules.

The new filing is an application of changes to the frequency and rating bands designed to generate a revenue neutral class plan. Pertinent underwriting changes have also been made. The revised base rates are included.

RFC Number(s): CAP12962

Date First Appeared: 11/30/2005

Detailed State Farm Fire and Casualty Company Customer Rating Index (CRI) Information Available in Washington

WAP22955 is the filing with some of the most thorough CRI information in our document library. The filing contains detailed information on State Farm's Customer Rating Index (CRI) model that is rolling out countrywide. Included are details pertaining to the CRI model’s formulas and algorithms for new business. State Farm’s Age Based Rating in Washington is also introduced in this filing.

- Correspondences between Washington DOI and State Farm addressing questions about multi-variate analysis and implementation of certain CRI rules
- New business and internal model scaling and rescaling formulas, scoretables and variable model definitions
- Limitations of changes to customer CRI
- Explanation of simultaneous loss ration method
- Underwriting experience
- Age adjustment factors
- Multiple auto, good student and Steer Clear discount information
- Standard Tier Automobile Rating (STAR) plan

WAP22956 contains the same CRI formula information, but this State Farm Mutual Automobile Insurance Company filing also includes State Farm's symbols. The symbols are not included in the State Farm Fire and Casualty filing. WAP22956 is 987 pages, compared to the 197 page WAP22955 filing.

Both filings became effective August 15, 2005.

RFC Number(s): WAP22956, WAP22955

Date First Appeared: 11/09/2005

Infinity Introduces New Low Cost Nonstandard Private Passenger Auto Program in Virginia

The Infinity Select Insurance Company is introducing the Low Cost Nonstandard Private Passenger program. This new non-credit program is effective May 16, 2005 for new and renewal business.

The filing includes the following:

-Complete set of rules
-Revised forms list
-Rate calculation formula
-Base rates
-Competitive Pricing Form
-Driver class, vehicle rating territory, commission level, market, driver age point matrix, and driving points factors

RFC Number(s): VAP21063

Date First Appeared: 10/21/2005

AIG Modifies Private Passenger Auto 3.0 Discount Rules, Insurance Scoring, and Rating Factors

The AIG National Insurance Company is revising the rates and rules of their Private Passenger Auto 3.0 program to be effective September 28, 2005 for new business and October 28, 2005 for renewal business.

A revised rule page introduces the Advanced Quoting Discount to the Discounts and Surcharges rule and detailed rate calculation pages reflect modifications to the following rating criteria:

-Territory base rates
-Demerit Rating Plan
-Insurance Scoring/Ultimate Tier Assignment
-Rating sequence
-Electronic Funds Transfer (EFT) Installment Fee
-Increased limit, model year, vehicle symbol, driver class, driver point matrix, non-combination discount & surcharge, and tier factors

RFC Number(s): VAP21062

Date First Appeared: 10/21/2005

Progressive Writes PPA in New Jersey

New program - Introduction of base rates; tier, territory, deductible, trailer class, premium, Extended Medical Benefits, discount structure, limit, and driver class factors; surcharges and discounts; and manual which includes billing, driver, general, policy and vehicle rules; credit scoring algorithm; and forms including Buyer's Guide and Identification Card.

RFC Number(s): NJP21180

Date First Appeared: 10/13/2005

NJ DOI Approves Allstate New Jersey’s Your Choice Auto Program Filing

Rates/Rules: Allstate New Jersey submitted changes to the rates and rules related to “Your Choice Auto”. The filing includes revisions to the manual reflecting the introduction of the New Car Expanded Protection coverage; revisions include changes to Accident Waiver, and addition of New Car Expanded Protection rule, Safe Driving Deductible Reward rule, Safe Driving Bonus rule, and Allstate Your Choice Auto Insurance Option Packages rule.

Forms: Allstate New Jersey introduces forms for Your Choice Auto including the Introduction of Allstate New Jersey Value Plan Amendatory, and New Car Expanded Protection endorsements; Revision of Application, and Declaration Pages.

RFC Number(s): NJP21182, NJP21181

Date First Appeared: 10/13/2005

Allstate New Jersey submits forms for Your Choice Auto Program

Allstate New Jersey introduces forms for Your Choice Auto including the Introduction of Allstate New Jersey Value Plan Amendatory, and New Car Expanded Protection endorsements; Revision of Application, and Declaration Pages.

RFC Number(s): NJP21181

Date First Appeared: 10/13/2005

State Farm Decreases Rates and Introduces Use of Customer Rating Index (CRI) in Pennsylvania

This filing contains a detailed description of how State Farm Mutual Automobile Insurance Company will be decreasing their rates 3%. The revisions will be effective for new business November 14, 2005, and December 14, 2005 for renewal business.

Information in the document includes:

- Base rates by coverage
- Miscellaneous vehicles – commercial, antique, classic, motor homes, motorcycles and school busses
- Class and age rating factors
- Limit factors
- Model year rating factors
- Limited tort factors
- New business, good driving, accident free, multiple auto, good student, anti-theft, vehicle safety, driver improvement course, driver training and multiple line discounts
- Accident surcharges
- Removal of certain rental coverages
- Internal Model-L scaling formula
- CRI Algorithm and factor limits
- Fleet and experience rating plans
- Experience premium modification factors

Some proprietary CRI information may be withheld from the filing due to Pennsylvania law.

RFC Number(s): PAP26204

Date First Appeared: 09/26/2005

Allstate Releases New Personal Auto Program in Texas

Newly licensed Allstate Fire & Casualty Insurance Company (AFCIC) will look to serve the standard auto market in Texas, taking over new business from Allstate Indemnity Company, Allstate Insurance Company and Allstate County Mutual Insurance Company.

AFCIC will utilize rates 3.1% lower than Allstate County Mutual. The filing contains:

- A summary of the proposed rate level changes and rating plan
- Territorial definitions and relativities
- A summary of proposed price group symbols and experience rating groups
- Optional new car expanded protection coverage
- Base rates & pure premiums
- Changes to basic tier structure from Allstate County Mutual model
- Discounts: new car, resident student, 55 + retired, easy pay, good payer, anti-lock brakes, anti-theft device, farm, multiple policy, passive restraint, Good Hands People, young driver education
- Procedures for determining new cost symbols and applying experience rating group factors
- Driver classification factors
- Rule manual – rules 1-61
- EGR symbol and identification pages

This filing has a new business effective date of May 23, 2005.

RFC Number(s): TXP20899

Date First Appeared: 09/26/2005

Travelers New Multi-Tier, Multi-Company Quantum Personal Auto Program Approved in Illinois

Travelers Home and Marine Insurance Company and Travelers Commercial Insurance Company are introducing their Quantum Private Passenger Auto program in Illinois.

Designed as a multi-tier program, it will enable Travelers to offer a more expansive rating mechanism to accommodate a broader segment of customers in the marketplace. Quantum uses two companies with market-based rates to serve all distribution channels.

The new auto product will offer a substantially increased amount of price points to Illinois drivers. The program is being written in a new writing company, so there will be no rate impact to existing customers.

Quantum Auto will consist of multiple tier underwriting logic based on rating variable interactions and driver assignment logic. Quantum’s ability to rate customers and account for their many rating variable interactions, will lead to significantly more competitive rates for insureds than compared to a traditional underwritten program that places rating variables into large groups or simply declines the customer.

Additionally, Quantum’s sophistication will allow for more precise pricing action when addressing future frequency and/or severity of the program.

Enclosed with the Quantum filing package, is the necessary supporting documents, including:

- Base Rates
- Territory Information
- Driver and Non-Driver Variables
- Expense Allocation Table
- Point Adjustments and Calculations
- Symbols
- Complete Rule Pages and Underwriting Eligibility Rules & Tier Guidelines
- Insurance Score, Policy Point Table and Underwriting Score Table

The filing has a new business effective date of July 24, 2005.

RFC Number(s): ILP22374

Date First Appeared: 07/14/2005

Introduction of Allstate Property & Casualty Motorcycle Program in Arizona - Insurance Scoring Model 7 Scorecard and Approved Forms Included

Allstate Property & Casualty will be taking over Allstate Indemnity Company's motorcycle business in Arizona.

AZP22649 is the form filing. All new forms are in this filing, including a form explaining the differences in coverages that Allstate Indemnity customers will face.

AZP22979 is the corresponding rates & rules filing, and AZP22980 is an additional rate & rule correspondence. A rate table is included to support the new program's rates. This rating plan includes the use of credit information for rating. Insurance Scoring Model 7 scorecard is included.

Also included:

- Territory definitions.
- Multiple rate tiers based on a proprietary credit-based insurance score.
- Liability limits.
- Driver classes for gender, age, marital status and age.
- Rate classes based on motorcycle and engine size, accident and violation records.
- Six available discounts.

RFC Number(s): AZP22649, AZP22980, AZP22979

Date First Appeared: 06/28/2005

Master Pac Business Owners Program Approved in New Jersey - Rates, Rules and Forms Included

This new version of the Master Pac product affords expanded automatic coverage offerings along with new and revised coverage options. With the addition of new classes, Master Pac eligibility will extend to many more small businesses . With these additions, St. Paul Travelers Companies will significantly increase their appetite for small business insureds.

The major theme of these changes is the embedding of coverages previously offered as optional. By embedding coverages, insureds are provided a more comprehensive insurance product to meet the expanding needs of the small business owner.

- Broadening of Master Pac core coverages.
- Addition of 63 new classes to existing Business, Office and Store Pacs.
- Expansion of Pac Plus to include eight new Store Pacs.
- Separate Pac Plus rates for property and general liability.
- Expansion of existing Manufacturers and Wholesalers Pac Plus.
- Updated Power Pac endorsements adding a new coverage feature.
- New, revised and withdrawn forms included.
- Broadening of core coverages including accounts receivable, building glass, business income on dependent properties, computer hardware and media, employee dishonesty, fine arts, theft of money and securities, valuable papers and other embedded coverages.

The effective date for this filing is June 1, 2005.

PLEASE NOTE: This filing is 2227 pages, and is too large to be downloaded directly from the website. To obtain this filing, please follow the normal ordering procedures on www.ratefilings.com. After you have purchased the document, please send an email to "tech@perrkinght.com" with "NJC20401" in the subject line. The filing will be mailed to you on a CD. The price listed on the website includes shipping. If this filing is part of a subscription, there will be no charge to order this filing on CD.

RFC Number(s): NJC20401

Date First Appeared: 06/27/2005

State Farm Customer Rating Index (CRI) for Private Passenger Auto Approved in Tennessee.

State Farm Mutual Insurance Company and State Farm Fire and Casualty have received approval in Tennessee to lower their overall rate 0.1% and institute a Customer Rating Index (CRI) based on insurance risk models.

The effective date is 5/15/05 for new business and 06/15/05 for renewal business,

In addition to the CRI, the filing includes:

- A breakdown of rates for Bodily Injury Property Damage Liability, Personal Injury Protection, Medical Payments, Emergency Road Service, Rental, Death and Disability, Comprehensive, and Collision coverages.
- Class and Age Rating Factors changes made by adding an age component to the class structure for BIPD, PIP, Comprehensive, and Collision coverages.
- Various discount factor information
- Increase in 6-Year Accident-Free Discount and 10-Year Accident-Free Discount.
- Revised Accident-Free Discount Rule, Accident Surcharges, and Standard Tier Auto Rating (STAR) Plan.

We also have State Farm CRI information available in Florida and Iowa.
Florida - FLP26336
Iowa - IA20738 & IA20741 (additional correspondence)

RFC Number(s): FLP26336, TNP20552, IAP20738, IAP20741

Date First Appeared: 06/16/2005

Travelers Launches New Multi-Tier Program in Tennessee

This Travelers filing details the introduction of their new multi-tier auto program. The new tiers allow for a much more expansive rating mechanism, allowing Travelers to accommodate a broader segment of the market. The new rating system drew information from two other Travelers companies.

There is an original filing available as well as an additional correspondence between Travelers and the Tennessee Department of Commerce & Insurance.

The two filings contain base rate information, some underwriting information, tier definitions, driver point calculations, affinity program information, and territory information.

The filing is effective May 22, 2005.

RFC Number(s): TNP20597, TNP20554

Date First Appeared: 06/16/2005

Allstate NY Personal Auto Rate Decrease and Rule Revisions Approved

The NY DOI has approved Allstate Insurance Company's 3% overall and Allstate Indemnity Company's 5% overall decrease.

This filing contains the correspondences between the NY DOI and Allstate. It has a breakdown of rate changes by coverage type, territory base rates and the written premium totals in NY, It also contains a breakdown of tier classifications and some territory information. Tier and Model Year Factor information for 2006 and 2007 are also included.

Please note that there is a typo in the cover letter of this filing. Page one indicates that the new business effective date is July 4, 2004, but the actual new business effective date is July 4, 2005.

RFC Number(s): NYP22083

Date First Appeared: 06/02/2005

Progressive Gulf in Virginia Submits Important Rate and Rule Changes

Rate information provided includes a detailed breakdown of rate level changes by coverage, the rate calculation formula and a sample rate calculation.

Many rule pages are contained in the filing including, but not limited to:
Table of Private Passenger Rules
(Initial) Rating Tier Determination
(Pre)insurance Credit Score Tier
Subsequent Rating Tier Determination
Insurance Credit Score Calculation
Residence Classification
Named Non-Owner Policies
Factor Limits
Income Loss Coverage
Deductibles
Core Discounts
Multi-Car Discounts
Homeowner Discount
3 Year Accident and Conviction Free Discount
Mature, Distant Student and Minor Child Discount
Rate Capping
Endorsement Definitions
Driver Assingments and Class
Symbol definition and Vehicle Adjustment Code rules.

NB Effective Date: 04/21/05
RB Effective Date: 05/21/05

Filing Date: 4/20/05

RFC Number(s): VAP20910

Date First Appeared: 05/09/2005

Biggest CA Auto Insurer Has Rate Decrease approved - Rates for Loyal State Farm Customers Lowered by 4.2%

The California Department of Insurance has approved a -4.2% reduction in personal auto policy rates for "loyal" State Farm customers, a savings of more than $110 million for those policyholders.
The CDI expedited his review of the proposed reduction in light of State Farm's -7.6 percent reduction in August, 2004.
Policyholders who have renewed with State Farm for more than six years will receive a 16% discount, and those who have renewed for three to six years will receive a discount of 8%. The savings will apply to 90% of State Farm's 3,000,000+ policyholders.
The filing by State Farm was based on the outcome of a 3-year major reorganization of its operations in California, which has resulted in an improvement of its internal expense management. The rate reduction, effective May 1, 2005, will be applied to customer premiums as the policies renew.
Also included in this filing are:
Editorial revisions to the Driving Safety Record Verification Form
Revision to the Clean Slate Provisions in the Driving Safety Record Plan
Clarification of current classification practices as they relate to Class 0.

The link below will take you to the original filing. Any additional correspondences and the approval letter will be available shortly.

RFC Number(s): CAP11809

Date First Appeared: 04/07/2005

Allstate Auto has 58 I.S. Tiers!

Allstate Property & Casualty's most recent Wisconsin filing increased the number of Insurance Score tiers from 5 to 58.

The Tier Determination rule (Rule 57 in the manual) is included in this filing in its entirety. There is also a narrative attachment discussing the classification changes.

The overall rate effect of 0% for this filing is accomplished by a rate increase in Medical Coverage and rate decreases in Bodily Injury, Property Damage, Collision and Comprehensive Coverages.

The effective date for both new and renewal business is December 13, 2004. There is a typo in the filing saying the effective date is 2005, but the correct date is December 13, 2004.

RFC Number(s): WIP20670

Date First Appeared: 03/22/2005

Brand New Allstate Auto Program in Maryland

In order to service both standard and non-standard risks, Allstate Property and Casualty will create a new Standard Rating Program to accept business that does not qualify for Allstate Indemnity's Indemnity Preferred Rating Program.

The new rating program will be similar to those already in place in Allstate Property and Casualty with the following exceptions:
- Expanded Premier and Premier Plus Discounts
- Revised Merit Rating Factors
- Implementation of Vehicle Surcharge
- Expanded credit-based rating plan
- Expanded Discount Levels using Years with Prior Carrier, B.I. Limits and Years with Current Carrier as Discount Level criteria to replace tiering
- Implementation of the Allstate Easy Pay Plan Discount
- Removal of the Single Car Driving Record Surcharge
- Adjustments to territorial definitions

This filing has no rate impact on current policyholders, and has an effective date of 12/07/04.

Allstate Property and Casualty filing is MDP21003.
Corresponding changes to the new program filing are under separate cover letter MDP21035.

RFC Number(s): MDP21003, MDP21035

Date First Appeared: 03/22/2005

New GEICO Rate Pages in NY Available - Rates Decreased for 4 GEICO Companies

This filing contains the details of a 6% rate decrease for the four main Berkshire Hathaway/GEICO Personal Auto Companies.

Also included in this filing are references to NY state's approval of the GEICO Ultra and AIP programs, listed under separate DOI and Co. Filings No.s.

Contains: actuarial filing memorandum, summary of rate level indications, base rates, territory definitions, additional personal injury base rates, optional basic economic base rates, uninsured motorist limit, 1st and additional car rates.

This is the most important GEICO NY filing out there, and we've had a large number of requests for it. To download click on the RFC link below.

NOTE: This filing is in PDF format, and is over 40MBs. If you cannot download this file, please contact glewis@perrknight.com. The filing can be FedExed at no extra charge.

RFC Number(s): NYP21869

Date First Appeared: 02/15/2005

St. Paul Targets Expanded Small Business Market with Master Pac Program Updates

As a result of the merger between the St. Paul Companies and Travelers Property Casualty Companies, St. Paul Travelers Companies is revising and modernizing their Master Pac commercial multiple peril program for small businesses.

This new version of the Master Pac product affords expanded automatic coverage offerings along with new and revised coverage options. Additionally, Master Pac eligibility will now extend to more small businesses with the addition of many new classes. With these additions, St. Paul Travelers Companies will significantly increase their appetite for small business insureds.

The major theme of these changes is the embedding of coverages previously offered as optional. By embedding coverages, insureds are provided a more comprehensive insurance product to meet the expanding needs of the small business owner.

Added: 63 new classes to existing Business, Office, and Store Pacs

Also added: 8 new Pac Plus counterparts to Apartment, Business, Residential Condominium, Commercial Condominium, Building, Office, Restaurant, and Store Pacs intended for risks at the larger, more complex end of the small commercial market.

Comprehensive inventory of withdrawn and new forms included

FLC25734 contains all Master Pac forms
FLC25619 is the Master Pac Rate/Rule filing

RFC Number(s): FLC25734, FLC25619

Date First Appeared: 02/15/2005

Driving in Mexico? Covered by Insurance?

The 21st Century Insurance Group is introducing their Private Passenger automobile program, effective 1/4/2005.

Texas residents will enjoy the coverage provided while driving in Mexico, within 100 miles of the U.S. border.

Discounts are provided for members of specified professions and occupational groups. Architects, Educators, Engineers, Dentists and more can receive this discount. The standard Mature Driver discount is also offered.

The base rates and rating factors being submitted were based on Private Passenger Auto programs of the major writers in Texas in an effort to stay as competitive as possible.

The filing includes a rules and rates manual complete with rating criteria and class codes, base rates and rating factor tables, automobile model year factors and rating symbols.

RFC Number(s): TXP20751

Date First Appeared: 02/08/2005

Lower Your Rates Based On How and How Much You Drive

Progressive Northwest Insurance Company is offering Minnesota drivers the opportunity to lower their insurance rates based on how and how much they drive. This usage- and safety-based discount program will provide participating policyholders with data-logging devices to be installed in each participating vehicle.

The device will record how the vehicle is used, including when the car is driven, how far and how fast. By removing the device from the vehicle and connecting it to a personal computer, users will have the ability to review this information and, if they choose, upload it to Progressive to potentially qualify for discounts on their next term.

In this filing Rule P44 was revised to be more explicit about how the program will work in certain situations. Specifically they have:
- Excluded hybrid vehicle from the program, since the device does not currently function correctly with them.
- Required renewal customers to sign up within the first 30 days of their renewal term to ensure that they have enough time to collect sufficient data to qualify for a renewal discount.
- Corrected the definition of the data collection period.
- Added a section outlining how exceptions will be handled.

Also introduced is a slightly modified credit scoring algorithm. The most important change in this new A24 model is that it adds variables and assigns different point values to existing credit variables. Included are two new rules which explicitly define treatment of no-hits and thin files (Rules P41 and P42).

There are other minor changes, including rental coverage and the status of collision coverage as related to roadside assistance.

RFC Number(s): MNP20591

Date First Appeared: 01/26/2005

GMAC/Integon Offers New Credit Scoring Model in Virginia

The Integon Casualty Insurance Company is submitting a new Credit Scoring Model - GMACA v3 for their personal auto program, effective January 17, 2005. This model will replace the currently filed ASSIST 2.0 - A Fair, Isaac Insurance Score Homeowners HO1 Model, which was effective May 12, 2003.

In this proposed credit model, five new credit action codes have been added (N3, N4, T3, and T4) to further segment current Thin-file and No-hit according to an insured's age or if an insured refuses to give permission to order his credit file.

After the conversion to GMACI v3 credit model, credit score ranges will be different from those of the current HO-1 v2 credit model, but underwriting tier assignments will NOT change.

The Integon Casualty Insurance Company essentially has two major reasons for implementing this new proprietary credit model:

1. Cost saving: There are significant cost savings per credit check by using internal GMACI v3 credit model.

2. Rating/Tiering flexibility: They plan to file a new tiering or rating plan in the near future, which gives them the flexibility to further segment or offer different rates on Thin-file and No-hit based on age.

RFC Number(s): VAP20834

Date First Appeared: 01/18/2005

United Services Automobile Association and USAA Texas Lloyds Company 5% Decrease for Homeowners Insurance

The United Services Automobile Association and USAA Texas Lloyds Company will reduce their Homeowners rates by 5%. This reduction will apply to policies renewing on and after December 1, 2004.

This filing includes exhibits reflecting the revisions made to Unity Premiums, Territory Relativities, Amount of Insurance Relativities, Roof Type Factors, Territory Roof Multipliers, and New Home Discounts.

Also included is the implementation of Dollar Maximums for Protective Device and New Home Discount Credits. The companies will also be introducing Minimum Premiums of $60 for Unit-Owners and $250 for Owners Policies..

RFC Number(s): TXP20708

Date First Appeared: 01/17/2005

New Nationwide Program Offers Free Auto Insurance to New Car Buyers

The Nationwide Employer and Casualty Insurance Company is introducing their new In The Car personal automobile program, effective January 1, 2005. This new and innovative approach will provide insurance to buyers or lessees of certain Volkswagen automobile models.

This program will automatically provide coverage that significantly exceeds the minimum statutory requirements in Wisconsin.

The forms used for this program are those currently filed and approved in Wisconsin as well as the company's own independent Amendatory endorsement and Nationwide Auto Policy Declarations page.

The rates/rule being submitted were based on actual rating of specific ITC coverage for each Volkswagen vehicle identified in the current Nationwide Physical Damage Rate Symbol manual for model years 2003, 2004, and 2005. The rate by territory, driver class and driving record were weighted to reflect the anticipated demographic and geographic distribution of Volkswagen new vehicle customers for each vehicle model. Appropriate discounts/surcharges were applied reflecting the anticipated demographic characteristics of the program.

This program is based on the currently approved program for Newark Insurance Company, approved November 24, 2001.

WIP20678 is a resubmission of rates. The new premiums represent the expected average of the premiums previously filed. The company will no longer use the VIN pattern to identify vehicles; but rather are using the vehicle series, type, and model year.

ILP21987 contains the rates & rule for Illinois.

RFC Number(s): WIP20677, WIP20676, WIP20678, ILP21987

Date First Appeared: 01/14/2005

Resubmission of In The Car's Initial Rate/Rule Filing in Wisconsin

At this time, the Nationwide Property and Casualty Insurance Company is resubmitting their November 30, 2004 initial Rates/Rule filing for their In The Car program. The rates are to be revised in order to streamline the process as well as to simplify the display.

The new premiums represent the expected average of the premiums previously filed. The company will no longer use the VIN pattern to identify vehicles; but rather are using the vehicle series, type, and model year.

Note: The Illinois filings for this program will be available soon.

RFC Number(s): WIP20678

Date First Appeared: 01/14/2005

Substantial Increase in Med-Mal Rates for one of Minnesota's Largest Carriers

Midwest Medical Insurance Company, one of the state's largest and most important carriers has filed a "File & Use" document to raise their rates 25%.

The rates are effective January 1st, 2005.

The filing includes actuarial analysis material providing for an increase in the Healthcare System rate level, premium threshold, an adjusted loss ratio decrease and a table amendment to its limits factors.

Additional endorsements/forms are also in this filing.

Brief Description:
Revising Healthcare Systems Rate Level, Experience Rating and Schedule Rating Guidelines and Adjusted Loss Ratio for Both Plans; Revising Physician Administrative Defense Coverage Endorsement; Introducing Managed Care Errors and Omissions Exclusion

RFC Number(s): MNC20115

Date First Appeared: 01/05/2005

State Compensation Insurance Fund 2005 Filing Released

One of the most important California Worker's Comp filings. The SCIF's submission of Revised Manual Rates and Premium Discount Schedule is one of www.ratefilings.com's most downloaded files. If you work on CA Workers Comp, this filing is a must.

Notable in this filing is the -13% overall manual rate level change and the -5% overall change in collectible premium.

RFC Number(s): CAW1814

Date First Appeared: 12/15/2004

New Program Alert - Progressive "Drive" Filing

There are two Florida filings for Progressive Insurance's new "Drive" Auto liability Program.
-
FL DOI# 04-12810 The Progressive Drive program is reducing their service fees to customers in order to streamline their procedures and operating expenses.
-
FL DOI# 04-12872 This Progressive Drive program filing is a rule revision, adding a rule regarding drivers with a learner's permit.

Both of these Rule filings were submitted under the "File and Use" provisions of Florida.

RFC Number(s): FLP24888, FLP24894

Date First Appeared: 12/06/2004

USAA Auto Rates Cut 12% in Texas

In December 2004, USAA will reduce auto insurance rates by an average of 12 percent for its Texas members. The reduction follows a February 2004 rate cut of 4.5 percent.

USAA, the fifth largest auto insurer in the state, insures almost 400,000 Texas drivers. The lowered rates can be attributed to improved operating costs and Texas legislation that encourages competition.

The rate reductions will vary by location. They assume no change in insured operators, vehicles, coverage or deductibles. Rates will change for existing members when their policies renew.

RFC Number(s): TXP20725, TXP20724

Date First Appeared: 12/06/2004

Progressive Updates Their Factor Relativities in Washington

Progressives Classic Insurance and Northwestern Insurance Companies are revising their Private Passenger Automobile Program's factor relativities, Comprehensive Care Discount Values Nonstandard Market, Middle Market, Standard Market, Preferred and Ultra-Preferred Market under Exhibit 2.3, and Physical Damage Symbols under Exhibit 5.2.

Specifically, the mobile home selected discount for the Nonstandard NYY group will be changed to read 23%. Also, the proposed relativities for COMP symbols 65, 67, 68, and 69 will now be 1.0.

Lastly, please note the MMM factors listed in exhibits 10.1 through 10.44: if a vehicle has a model year greater than 2003, the 2003 MMM factor will be applied for that vehicle.

- The overall rate effect for these changes will remain neutral

RFC Number(s): WAP22615

Date First Appeared: 01/13/2004

Progressive Direct Changes Rate Schedule in Texas

Enclosed in Progressive Direct's most recent Texas auto filing are revisions to Progressive County Mutual's Agent Classic, Advantage & Super Saver Rating schedule of rates . TXP22162 includes changes effective December 21, 2007 and January 20, 2008. The filing contains a schedule of rates including cancellation effective dates/times, theft prevention assessment, and reinstatement after cancellation for non-payment, the rule manual and supporting information.

TXP22164 is a revision updating the amendments to driving record points and TXP22165 is an update to the pro pricing rating classes program rule.

RFC Number(s):

Date First Appeared:

State Farm is filing a revision to their independent Private Passenger Auto program in Ohio.

This rate level increase is 3.1% for State Farm Mutual Automobile and 5.2% for State Farm Fire and Casualty and the effective date for both is March 2, 2009.

RFC Number(s): OHP23349, OHP23350

Date First Appeared: