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Liberty Mutual Group is increasing rates 12.5% to their HO Program in WI "We are proposing changes to our Wisconsin Homeowners insurance program for West American Insurance Company, Ohio Casualty Insurance Company, and American Fire & Casualty Company. In order to achieve an overall rate level impact of 12.5%, we are proposing to increase base rates by 17.5% uniformly across all territories for Owners Forms. The indicated rate change is 33.1%. We are not changing the rate deviations that are currently in place for Ohio Casualty Insurance Company and American Fire & Casualty Company." These changes are proposed to be effective May 15, 2010 for renewal business. RFC Number(s): WIP51441 Date First Appeared: 03/11/2010 back to top Travelers Casualty has increased rates 3.3% to their Master Pac Program in CO. "The actual base rates will vary by Segment and by Rating Territory. The overall written premium impact of all the changes is 3.3% which is expected to result in rates that will allow us to compete more effectively in the market place." The proposed effective date is January 1, 2010. RFC Number(s): COC21221 Date First Appeared: 03/09/2010 back to top Foremost is increasing rates 9.7% to their Manufactured HO Program in GA. This filing will be effective for all new and renewal policies written to be effective on and after April 1, 2010. In this filing Foremost is proposing to amend their annual rates/premiums for Section I - Your Property Coverage A - Dwelling, Coverage B - Other Structures, and Coverage C - Personal Property. The indicated and proposed rate level adjustments are as follows: COVERAGE Indicated Change Proposed Change Section I - Your Property Coverages Statewide +31.7% +10.4% Territory A +30.2% +10.4% Territory B +15.3% +10.7% Territory C +83.3% +10.6% Territory D +56.9% +10.5% Overall Premium Effect +9.7% RFC Number(s): GAP50315 Date First Appeared: 03/04/2010 back to top Allstate decreased rates 3.6% to their BOP Customizer Program in VA. With this change Allstate Insurance Company has decreased the rates for buildings and contents in the retail, service and wholesale programs as well as office buildings, decreased the rates for locksmiths and have modified their territorial definitions. This filing proposes an overall -3.6% change to their current book of business. The proposed effective date is 5/17/10. RFC Number(s): VAC51071 Date First Appeared: 03/02/2010 back to top Hartford Group is filing a 7.70% increase to their Class Group Rate Product Program in NC. Hartford Casualty Insurance Company, Hartford Insurance Company of the Midwest, Hartford Underwriters Insurance Company, Property and Casualty Insurance Company of Hartford, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company, Hartford Fire Insurance Company are filing to update their independent program rates in their Class Group Rate Product (CGRP) program. These revisions will be applicable to all policies written on or after 7/1/2010. "In addition, we are converting the manual rate for class code 32105, which is the No Products Hazard Level Drug Manufacturer class code, to an (a)-rated class code. Experience is thin, but this revision brings consistency to the Drug Manufacturer class code rates. The remaining Drug Manufacturer class codes with varying products hazard levels (32101 - 32104) are currently (a)-rated Sub-TOI: 17.1001 Commercial General Liability." RFC Number(s): NCC54157 Date First Appeared: 02/25/2010 back to top Nationwide Group is revising rates to their BOP Program in CT resulting in an overall rate increase of 8.2%. The overall estimated impact as a result of these revisions to the above referenced companies is: Business Owners 7.1% vs. an indicated rate need of 41.1% Habitational 9.0% vs. an indicated rate need of 25.0%. This results in an overall premium effect of $618,428. The effective date is 4/1/10 for new business and renewals. RFC Number(s): CTC51757 Date First Appeared: 02/23/2010 back to top State Auto is revising their Non-Standard Auto Program resulting in an overall rate increase of 3.0% in IN. The changes made are to the following: 1. Base Rates 2. Model Year Base Update 3. ISO Physical Damage Symbol Factors 4. Territory Relativities 5. Class Factors 6. Blue Chip Discount 7. Increased Limit Factors The effective date for new and renewal business is 3/21/10 RFC Number(s): INP51674 Date First Appeared: 02/18/2010 back to top Farmers Introduces Next Generation Homeowners Policy in Texas The Farmers Insurance Group is introducing a new homeowners policy called "Farmers Next Generation Home Policy" which will provide coverage flexibility, innovative features and competitive pricing. "Our Farmers Next Generation Home Policy will provide our customers the ability to select a policy that they can tailor to fit their specific insurance needs" The effective date for new business is January 1, 2010. RFC Number(s): TXP22848 Date First Appeared: 02/16/2010 back to top Allstate is filing a 6.4% rate decrease to their Condo Homeowners Program in CA This filing proposes a 6.4% rate decrease for the Condominiums line of business in Allstate Insurance Company. Additionally, Allstate is proposing to separate the Rules Manual for its Owners, Renters, and Condominiums lines of business into individual manuals for each line by company. The effective date is November 23, 2010. This filing is still pending. RFC Number(s): CAP18791 Date First Appeared: 02/11/2010 back to top Farmers is increasing rates 1.6% to their HO Program in Wisconsin. "The five-year fiscal accident year loss experience for Fire Insurance Exchange, Mid-Century Insurance Company and Farmers Insurance Exchange brought to current levels and trended, indicates an overall rate change of 33.1%. The proposed changes will result in an overall increase of 1.6%, or an estimated impact of $0.86 million." The proposed effective date for this filing is April 16, 2010 for both New Business and Renewals. RFC Number(s): WIP4273 Date First Appeared: 02/09/2010 back to top Liberty Group increased rates 6% to their Commercial Protector Program in MA. The overall impact of the Commercial Protector rate revisions contained in this submission is 6.0% increase in Written Premium. Overall impact by company: Peerless Indemnity Insurance Company 6.3% Peerless Insurance Company 3.4% Netherlands Insurance Company 1.7% Hawkeye Security Insurance Company 7.6% The effective date is 5/1/10 for new business and 7/1/10 for renewal business. RFC Number(s): MAC9738 Date First Appeared: 02/05/2010 back to top Nationwide Insurance Company of America is revising rates and rules to their Class Plan M Private Passenger Automobile Program in Idaho resulting in an overall rate increase of 1.4 %. Proposed Overall Rate Level Change: For liability coverages, the overall impact is 3.7%. For physical damage coverages, the overall impact is -3.0%. The combined overall impact of the filed changes will be an increase of 1.4%. The effective date is March 1, 2010, for new business and April 1, 2010, for renewal business. RFC Number(s): IDP20854 Date First Appeared: 02/02/2010 back to top Government Employees Insurance Company (GEICO) and GEICO General Insurance Company (GG) are filing a revision to their Automobile Casualty Manual in NY resulting in a +1.5% overall rate change. Specifically, the above referenced companies propose an overall rate increase of 1.5% as follows: Medical Payments 100.0% Personal Injury Protection 7.0% Additional Personal Injury Protection 6.9% Optional Basic Economic Loss 6.8% The effective date is January 28, 2010. RFC Number(s): NYP23722 Date First Appeared: 01/29/2010 back to top Travelers Casualty and Surety Co of America is submitting a new Directors, Officers, and Organization Liability Coverage Policy designed for public companies and financial institutions in California. The proposed overall rate change is -23.7% with a 9/15/2010 effective date for new and renewal business. "This filing is necessitated by our plans to transfer certain products currently written through St. Paul Mercury and St. Paul Fire and Marine Insurance Company and its affiliates to The Travelers Indemnity Company and its affiliates and to utilize one centralized platform. The primary objective of this filing is to create products that will meet the needs of our public company and financial institution customer base. We are concurrently submitting new rates and rules specific to this program. The rates were established so as to not be inadequate, excessive, or unfairly discriminatory. This new Public Directors and Officers program has also been designed to work with the Modular Program rules." This filing is still pending. RFC Number(s): CAC43683 Date First Appeared: 01/27/2010 back to top Allstate is revising its current Motorcycle/Off-Road Vehicle Program in Virginia resulting in an overall rate increase of 15.8%. Revisions include increased pricing segmentation, introduction of new discounts, new and enhanced coverages as well as new rating plans and modifying existing ones. The revised rates and rules manual are attached to this filing. The new effective date is 4/10/10. RFC Number(s): VAP50489 Date First Appeared: 01/22/2010 back to top AMCO and Allied P&C Insurance are filing revisions to their Homeowners Program in Tennessee resulting in an overall rate increase of 22.4%. AMCO and Allied P&C are members of Allied Insurance, a member of Nationwide Insurance. The overall impact proposed is an increase of 22.4%. A complete manual has been attached which contains all final rules and rate changes. The effective date for renewals is March 9, 2010. RFC Number(s): TNP50732 Date First Appeared: 01/20/2010 back to top Chubb Group has filed revisions to their Homeowners Program in Maine resulting in an overall rate change of +9.2%. Revision of the Home and Contents sections of the Masterpiece Rate and Rule Manual for Federal Insurance Company, Great Northern Insurance Company, Pacific Indemnity Company, and Vigilant Insurance Company is resulting in an overall 9.2% increase. They are proposing to increase base rates by 9.7% in all territories. The premium level effect of the base rate is +10.0% for House and Vacation combined and +9.6% for all forms combined. The Premium level effect of revising additions and alterations premiums is -10.9% for Renters/Condo/Co-op and -0.4% for all forms combined. The proposed effective date for this revision is June 14, 2010. RFC Number(s): MEP21833 Date First Appeared: 01/15/2010 back to top Foremost has revised rates to their Homeowners Program in Pennsylvania resulting in an overall rate increase of 10.2%. Foremost Insurance Company Grand Rapids, Michigan has made revisions to their rates and rules section of their Basics Homeowners Program which has resulted in an overall rate increase of 10.2% This filing will be effective for all new and renewal policies written to be effective on and after April 1, 2010. RFC Number(s): PAP51149 Date First Appeared: 01/13/2010 back to top Safeco and First National are filing changes to their Independent Homeowners Program in California resulting in an overall rate increase of 6.9%. Safeco Ins Co of Illinois, Safeco Ins Co of America and First National Ins Co of America are filing changes to their Independent Homeowners Program in California resulting in an overall rate increase of 6.9% with an effective date of 4/10/10. They are adjusting base unities for all policy forms and have included a copy of their product guide. This filing is still pending. RFC Number(s): CAP18724 Date First Appeared: 01/11/2010 back to top Progressive Security submits new rates and complete set of rules to their Private Passenger Auto Program in Louisiana resulting in a -3.0% rate change. The effective ultimate rate change is expected to be -3.0% compared to an indicated rate need of -4.4%. The requested effective date is January 1, 2010 for new and renewal business. RFC Number(s): LAP21087 Date First Appeared: 01/06/2010 back to top Auto Club is filing to decrease rates 10.0% to their Private Passenger Auto Program in Hawaii. The effective date for this rate revision for both new and renewal business is April 1, 2010. They are making changes to the following: 1) Base rates 2) Paid-in-Full-Discounts 3) Territory 4) Multi-Policy Discount 5) Professional Group Discounts 6) Model Year Factors 7) Membership Longevity Discount This filing is still pending. RFC Number(s): HIP3080 Date First Appeared: 01/04/2010 back to top Progressive is filing to decrease rates 7.18% to their Drive Private Passenger Auto Program in California The proposed effective date for these changes is February 15, 2010. These filings are based on their aggregate data (e.g., regular and group program data together). In addition they will also be including some updates to their list of qualifying associations for their Business and Professional program. This file is still pending. RFC Number(s): CAP18694 Date First Appeared: 12/29/2009 back to top Allstate is filing an 8.5% increase to their Private Passenger Auto Program in Pennsylvania Allstate Fire and Casualty is proposing an overall rate increase of 8.5% in Pennsylvania which will vary by coverage. The effective date for new business is 2/15/10. Allstate is also proposing to adjust the Preferred Package Discount factor and is introducing the FullPay Discount. They have offset the overall rate level for the change to the Preferred Package Discount and the introduction to the FullPay Discount to achieve the targeted overall rate increase. RFC Number(s): PAP51159 Date First Appeared: 12/21/2009 back to top Foremost has filed a 17.1% increase to their Motorcycle Program in Missouri "The purpose of this filing is to adjust our rate levels to maintain our established pricing position in the marketplace. Our last rate level adjustment was +2.5%. The effect of combining these indications results in an overall indicated rate change of +43.9%. We are proposing an overall rate level adjustment of +17.1%." This filing will be effective for all new and renewal policies written to be effective on and after April 1, 2010. RFC Number(s): MOP50699 Date First Appeared: 12/17/2009 back to top State Farm increases personal auto rates by 5.2% in Washington DC State Farm is increasing rates 5.2% with an effective date of November 16, 2009 for new and renewal business. These are the changes by coverage: BIPD Liability Private Passenger 10.0% Personal Injury Protection Private Passenger 0.0 Comprehensive Private Passenger 7.1 Collision Private Passenger 1.0 Underinsured Private Passenger 9.6 All Coverages Private Passenger 5.3 All Other -0.4 All Types 5.2% RFC Number(s): DCP20374 Date First Appeared: 12/15/2009 back to top AIG Casualty Company has filed to revise its Private Client Group Private Passenger Automobile Program in Connecticut resulting in a +9.5% increase AIG Casualty Company is filing to revise its Private Client Group Private Passenger Automobile Program in Connecticut. The net impact is +9.5%, applicable to approximately 7.1M of In-force premium and 7000 exposures as of June 30,2009. The proposed effective date for this filing is March 1, 2010 for new business and May 30. 2010 for renewal business. The revisions include the following: 1. Revised Private Passenger Vehicle Base Rates 2. Revised Secondary Classification Factors 3. Changes to Tiering Algorithm with regard to the Credit Score, Household Composition criteria and Adult Incident Points 4. Introduction of a Five Year Incident Free Credit RFC Number(s): CTP3655 Date First Appeared: 12/11/2009 back to top Nationwide (NICOA) submits personal auto revisions in Illinois Nationwide Insurance Company of America filed the following revisions with an overall effect of 1.4% and to be effective February 22, 2010 for new and renewal business. Below are the changes for this filing: --------- 1) Modify territory definitions 2) Revise base rates for Property Damage, Comprehensive, and Uninsured Motorist/ Underinsured Motorist-Bodily Injury coverage 3) Revise Household Composition factors 4) Revise Driver Class factors 5) Rebasing Model Year factors from 2008 to 2010 6) Manual page editorial revisions RFC Number(s): ILP3804 Date First Appeared: 11/24/2009 back to top AIG Private Client Group Personal Auto filed 7.6% revision in Missouri AIG Casualty Company filed revisions to its Private Client Group Private Passenger Automobile Program in Missouri, under the use and file law in the state. The net impact is +7.6%, applicable to approximately 1.3 M of in-force premium and 1400 exposures as of June 30, 2009. The proposed effective date for this filing is March 1, 2010 for new business and May 30, 2010 for renewal business. Revisions include the following: --------- 1) Revised Private Passenger Vehicle Base Rates 2) Revised Secondary Classification Factors 3) Changes to Tiering Algorithm with regard to the Credit Score and Household Composition criteria 4) Introduction of a Five Year Incident Free Credit --------- AIG Casualty last filed revisions in 2004 with an effective date of December 13, 2004 when the private passenger automobile program was introduced. The company has not made any rate revisions since. AIG Casualty's countrywide rate indication is 8.6% and Missouri indication is 21.6%. The company's purpose on this filing is to address the high indications. In order to price their business more accurately, AIG Casualty has done a thorough analysis of their book and have identified certain segments of business that appear to have been historically underpriced based on loss experience. The company plans to target these isolated segments as appropriate, which would allow it to make smaller over all base rate changes. RFC Number(s): MOP50628 Date First Appeared: 11/19/2009 back to top Hiscox submits Private Company Management Liability Program in California Hiscox Insurance Company submits a new program filing to introduce the Private Company Management Liability Program. This new program provides various coverages for private company management liability risks including Directors & Officers Liability, Fiduciary Liability, Employed Lawyers Liability, and Employment Practices Liability. The rates and rules that the Company plans to use for this program are based on a competitive review of the marketplace and underwriting judgment. The four coverage parts will be offered both as monoline policies and also as parts of a package including one or more of the coverage parts. ----------- The rate charged for the various coverages contemplate many different factors including claims history, financial condition, years in operation, limits of retention, etc. The proposed rating manual contains the rating formula along with the rating factors to be applied to the base rate that the Company intends to use in calculating the charges for this program. The Company respectfully requests that the proposed forms, rates, and rules be implemented for all policies effective on the earliest possible date of acknowledgment or approval. Similar filings are also available in Arkansas, North Carolina, Pennsylvania and Utah. RFC Number(s): ARC52173, ARC52175, CAC44286, CAC44287, CAC44288, CAC44289, NCC52901, NCC52902, PAC52137, UTC51531 Date First Appeared: 11/18/2009 back to top Farmers Group submits Institutional Businessowners Program (IBOP) in CA Farmers Insurance Exchange, Mid-Century Insurance Company, Truck Insurance Exchange submits for approval a series of new coverage forms and endorsements, as well as the rates and rating rules, which will be used on newly developed Institutional Businessowners Program (IBOP). This new program will expand Farmers' product offerings to many religious, cultural, social services and educational organizations/ institutions. It will provide a wide spectrum of coverage unique to the needs of a small to medium-sized organizations in the aforementioned industry segments. Many of the forms and endorsements, as well as rates and rating rules, included for the IBOP are closely modeled after those filed and approved on behalf of the Zurich Financial Services' Small Business program (ZSB). ------------- Most of the product features, including coverage elements, resemble very closely to those of ZSB with minor differences that have no impacts on rates. However, adjustments to the ZSB rates were made to offset some rating factor changes that were made to the ZSB rating plan. As with ZSB's product, Farmers' product has a comprehensive listing of built-in coverages. While the premium charge for these additional coverages is built into ZSB's base rates, Farmers' system requires it to have a separate charge for these additional coverages. The proposed effective date for IBOP is March 1, 2010. RFC Number(s): CAC44212 Date First Appeared: 11/16/2009 back to top State Farm Personal Auto filed 3% increase in Vermont State Farm Mutual Automobile Insurance filed revisions with an overall rate increase of 3%. This will be effective on December 7, 2009 for new and renewal business. This revision includes several changes to the private passenger rating relativities. ------------- 1) Base Rates: revised base rates for BIPD, medical payments, comprehensive, and collision. 2) Rate Level by Territory: implementing a new territorial rating system 3) Experience Rated Fleets: implementing the Experience Rated Fleet Factor. This new rating factor will reduce premiums on BIPD, medical payments, comprehensive, and collision coverages by 20% for all private passenger experience rated fleets. 4) Location Rating: implementing a new method for territorial rating that will allow us to better match price to risk. 5) Steer Clear® Discount: increasing the eligibility for the Steer Clear® Discount. Policyholders may now be eligible for Steer Clear® Discount even when all vehicles in the household are not with State Farm. RFC Number(s): VTP50272 Date First Appeared: 11/12/2009 back to top GEICO Anti-Theft Discount and Miscellaneous Rules revision in Illinois Government Employees Insurance Company / GEICO General Insurance Company, GEICO Indemnity and GEICO Casualty Company filed revisions to Private Passenger Rule 19, Anti-Theft Discount and modified the factors and applied an offset to Comprehensive coverage to prevent this change from affecting overall premium volume. ---------------- Editorial revisions have been made to Miscellaneous Rules 8, 9 and 10 for Dune Buggies, Golfmobiles and Snowmobiles for all companies except GEICO Casualty. Private Passenger Rule 4.B.a.2, Driving Record Points and Rule 14, Defensive Driving Course Discount have been revised for all companies. Editorial revisions have been made to Rule 4.D, Miscellaneous Surcharges for GEICO Indemnity and GEICO Casualty Company. The effective date is November 3, 2009 for new business and December 21, 2009 for renewal business. RFC Number(s): ILP3778 Date First Appeared: 11/10/2009 back to top Nationwide Homeowners Enhanced Rating Plan 4.2% revision in Missouri Nationwide Insurance Company of America (NICOA) is introducing a new enhanced rating plan which will maintain more consistent rates over time. The effective date will be November 1, 2009 for new business and December 16, 2009 for renewal business. All Homeowner policies currently written in NICOA will be converted to this new rate plan upon their first renewal following the renewal effective date. This new rating plan enhances NICOA's 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 Missouri consumers and will allow many customers to find lower rates without reducing coverage. The estimated rate level impact on existing policyholders renewing into the modified rate plan will 4.2 percent overall (3.6 percent overall for Homeowners and 11.9 percent for Tenants and Condominiums). Similar Homeowners - By Peril Program was filed in Nebraska under Nationwide Affinity Insurance Company of America and was effective October 24, 2009. ----------------- This new rating plan shares many rating variables and coverages with their current rating plan, although the design and/or rate of these items may be different between the existing and modified plans. The selected rating plan factors have been revised based primarily upon indicated relativities from Generalized Linear Modeling (GLM). Where it was deemed appropriate, consideration was given to the company's present factors and those of their competitors. NICOA also introduced several new rating variables in the new rating plan. These new items are detailed in the following chart (x marks indicate the applicable policy forms): RFC Number(s): NEP50144, MOP50528 Date First Appeared: 11/05/2009 back to top Central Mutual Homeowners filed 4.87% overall increase in New Mexico Central Mutual Insurance Company filed a 4.87% rate increase, with overall indicated change at 6.9%, for the Homeowners Program in New Mexico. The changes will have an effective date of January 1, 2010 for new and renewal business. Revised rate and rule pages are included in this filing. The revisions are as follows: 1) Revise Base Rates for Owners form only 2) Revise Insurance Score Factors 3) Revise Payment Timeliness Factors 4) Rule 406 Deductibles: revise several factors and clarify that insured can buy a percentage wind/hail deductible with an all perils deductible above $5,000; introduce 10% and $10,000 wind/hail deductibles 5) Rule 532 Solid Fuel Heating Devices: increasing the rate from $20 to $30 6) Adopting ISO's 08/2009 Earthquake Territory rules per ISO Filing Designation #HO-2009-REQRU RFC Number(s): NMP50303 Date First Appeared: 11/02/2009 back to top Allstate Homeowners filed 4.3% increase in Louisiana Allstate Insurance Company is revising the distinct charge to cover the net cost of reinsurance in Louisiana. The net cost of reinsurance is equal to the reinsurance premium paid less expected reinsurance recoveries under contract. Allstate's revised reinsurance cost will be reflected by revising the reinsurance rate adjustment factor in the rate calculation for the Owners program. The revised reinsurance rate adjustment factor will apply to the calculation of the reinsurance base rate change. Since 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 zone, deductible, amount of insurance or construction type. Note that the reinsurance charge does not apply to policies that exclude wind coverage and therefore the reinsurance rate adjustment factor is also not applicable to those policies. --------- This filing includes editorial revisions to the updated Rate Page Calculation Options Page and manual changes to Rule 14, Interpolation of Policy Amounts; Rule 17, 55 and Retired Discount; Rule 18, Home and Auto Discount. The overall impact of changes in this filing is 4.3% and the proposed change to the Reinsurance Rate Adjustment Factor is 58.7%. November 19, 2009 is the effective date for both new and renewal business. RFC Number(s): LAP3278 Date First Appeared: 10/30/2009 back to top Progressive Personal Auto filed 3.5% rate revision in Georgia Progressive Mountain Insurance Company filed revisions to base rates, factors and enhancements to their Private Passenger Auto program in Georgia. The overall rate change is 3.5% with an indicated rate level of 17.2%. The effective will be January 15, 2010 for new business and March 16, 2010 for renewal business. The business written by Progressive Mountain Insurance Company is sold only through independent agents. With this revision, Progressive Mountain is introducing a new rating model. This new model removed age and points, tier and age, tier and points, household structure, and merit rating relativities. Other rule revisions and enhancements were made on the following: ---------------- 1) NEW SYMBOL PROCESS - S2005 (Rule V01) 2) NEW CREDIT METHOD (Rule P40) 3) USAGE-BASED INSURANCE (Rule V17) 4) MINOR CHILD DISCOUNT TENURE CHANGE (Rule D10) 5) PAPERLESS DISCOUNT (Rule P62) 6) RESIDENCY REWARDS RATING FACTOR (Rule P64) 7) CONTINUOUS INSURANCE DISCOUNT (Rule P63) 8) RATE STABILITY (Rule P60) 9) THREE YEARS ACCIDENT AND VIOLATION FREE AND FIVE YEARS ACCIDENT FREE DISCOUNT CHANGE (Rule P48 and P55) 10) EXCESS VEHICLE DISCOUNT CHANGE AND ADDITION OF THE HOUSEHOLD MEMBER FACTOR (Rule P59) 11) CMP (Comp Claim) FACTOR (Rule D14) RFC Number(s): GAP21715, GAP21716 Date First Appeared: 10/29/2009 back to top Nationwide Homeowners Program 5.3% rate revision in Maryland Nationwide Mutual Fire Insurance Company and Nationwide Mutual Insurance Company filed a 5.3% overall rate increase for the Homeowners Program in Maryland. This filing will be effective March 30, 2010 for new and renewal business. For this policy form, Nationwide develop their overall statewide indicated rate need by comparing their indicated premium to the projected current level premium. To determine the indicated premium, the company separately estimated two loss components, a non-hurricane loss cost including fixed expenses and a hurricane loss cost. The sum of these two components produces the total loss and fixed expense provision. The indicated premium is the total loss and fixed expense provision grossed up for expenses that vary with premium. Other changes include: (1) Territorial Base Rates and Rating Factors, revising base rate and rating factors for Homeowners policy form written in the Nationwide Mutual and Nationwide Mutual Fire Insurance companies. (2) Age of Construction, revising the age of construction factors for the Homeowners policy form for Mutual Fire Company. (3) Home and Car Discount, revising the home and car discount for homeowners. Final printed manual pages reflecting these revisions are included in this filing. The following is a summary of the proposed rate change by form: RFC Number(s): MDP51273 Date First Appeared: 10/27/2009 back to top Progressive Preferred filed 5.9% increase in New York Progressive Preferred filed a 5.9% overall revision for the private passenger program in New York. The proposed effective date for renewal business is October 7, 2009 (Progressive no longer writes new business in this company). At this time, Progressive is not making any structural changes to this program. The only changes contained in this filing include changes to Base Rates and the addition of 2010 Model Year Factors. There is no rule or rating factor changes requested in this filing. RFC Number(s): NYP23688 Date First Appeared: 10/26/2009 back to top Chubb Homeowners Masterpiece Program filed revisions in California Federal Insurance Company, Pacific Indemnity Company, Vigilant Insurance Company are filing revisions to the Homeowners MASTERPIECE Rate/Rule Manual and Contracts in the state of California. Chubb is introducing a number of optional coverages that are being made available under the MASTERPIECE Homeowners product for an additional charge. This filing provides coverages that are new to MASTERPIECE; as well as providing higher/broader limits under existing coverages. As these coverages are all optional, there is no rate impact on the current book of business. Chubb Masterpiece is introducing rules and rates and revising forms for the following Extra Coverages to allow for optional purchase of higher amounts of coverage: 1. Homeowner or Unit assessments: Options to purchase higher limits of Homeowner/Unit assessment coverage 2. Landscaping: Options to purchase additional coverage for the aggregate limit and sub-limit (per tree/shrub) 3. Business Property: Options to purchase higher limits for on premises coverage ------------------ Chubb Masterpiece is also introducing the following new optional Extra Coverages in the Rate/Rule Manual and Contract Manual. If purchased, these are separate endorsements in the Contract manual that will attach to the Coverage Summary: 1. GreenwiseSM: This new optional coverage provides coverage for upgrade expenses incurred to rebuild "green" in the event of a covered loss 2. Student additional living expense: This new optional coverage pays for student additional living expenses and extra tuition expenses a student incurs solely and directly as a result of a certain event 3. Assisted living care: This new optional coverage provides coverage for the personal effects and protection against other financial risks for a relative-in-care RFC Number(s): CAP18565 Date First Appeared: 10/22/2009 back to top Allstate P&C Personal Auto filed 11.5% increase in Maryland Allstate Property & Casualty Insurance Company is implementing an 11.5% overall rate increase for Maryland Standard, Non-Standard Mixed Rating private passenger auto program. This filing has an effective date of December 15, 2009 for new and renewal business. This filing contains information supporting a 28.4% overall rate indication. Allstate is proposing to take this increase by revising a number of rating plans including Household Composition, Driver Classification, and the About Me Discount. In order to attain an 11.5% overall increase, Rate Adjustment factors for Bodily Injury, Property Damage, Personal Injury Protection, Collision, and Comprehensive coverages were revised. The estimated maximum impact to a policyholder is 32.23%. 99.5% of policyholders will receive less than a 24% increase. The estimated minimum impact to a policyholder is 4.71%. The following manual pages were revised and dated December 15, 2009: RP-2A-1 Updated Rate Adjustment Factors RP-6A Updated Household Composition Factors RP-7A Updated Driver Classification Factors RP-8A Updated Driver Classification Factors RP-9A-1 Updated About Me Discount Factor RFC Number(s): MDP51212 Date First Appeared: 10/21/2009 back to top Admiral Group / Elephant Insurance Introduces Personal Auto Program in Virginia Admiral Americas, the U.S. arm of Welch-based Admiral Group plc, submits an initial filing for personal auto program in Virginia. Admiral Americas, headquartered in Richmond, Virginia, will be writing business under Elephant Insurance Company. The company operates as a direct-to-consumer auto insurer, serving customers via the phone and internet. Elephant offers its products to Virginia drivers on its website, www.elephant.com, and via the phone at 1-877-21-TRUNK (1-877-218-7865). ----------------- Elephant Insurance Company's filing has a proposed effective date of October 1, 2009. The rates and rules were developed through comprehensive analysis of the marketplace and competitors namely: Allstate Property and Casualty (effective 12/1/2008), Allstate Fire and Casualty (11/1/2008), Esurance (2/25/2009), GEICO General (2/28/2008), GEICO Indemnity (9/18/2008), Nationwide (12/31/2008), Newport Insurance Company (9/20/2007), Progressive Direct (10/31/2008), Progressive Gulf (5/30/2008), State Farm Mutual (3/30/2009), State Farm Fire and Casualty (3/30/2009). Consideration in selecting the rates and rules was also given to the relative expense structure of the Elephant Insurance Company relative to each company in the marketplace analysis. Territory definitions and factors are based on data used by Newport Insurance Company. Elephant has a separate set of territories called Market Areas that applies to their Expense Fee. Counties are grouped into Market Areas based on the local network stations that the county receives. Factors were selected based on estimates of relative media costs for these areas. Factors for limits and deductibles were selected based on several major competitors. Most of other rating factors are base on the factors of Progressive Direct and some factors are based on GEICO General. Elephant is also proposing to use a tiering model based on GEICO General's underwriting model. The factors based on GEICO General are: Good Student Discount, Household Composition Factor, Household Vehicle Usage Factor and Tier Factor. RFC Number(s): VAP22889 Date First Appeared: 10/20/2009 back to top Hartford / Sentinel Personal Auto filed 9.1% increase in Pennsylvania The rates currently in use for Sentinel Insurance Company, Ltd. in the state of Pennsylvania became effective on November 4, 2008. The company proposes the rates in this filing to be effective October 3, 2009 for new business and November 21, 2009 for renewals. The calculation of statewide average rate level indications and proposed territorial base rates for the various coverages are shown in detail. The statewide average rate level indications are based on Sentinel Insurance Company, Ltd. experience for the accident years ending September 30, 2008. RFC Number(s): PAP50808 Date First Appeared: 10/19/2009 back to top Hartford Twin City/ Sentinel Personal Auto 7% rate revision in Missouri This filing modifies the Private Passenger Auto class plan in Twin City Fire Insurance Company and Sentinel Insurance Company. Effective on October 3, 2009, Hartford is are adding two additional writing companies to the existing class plan to enable the company to use the plan for three distinct sales channels: AARP Direct (already filed in Twin City Fire Insurance Company and Sentinel Insurance Company), Consumer Direct (non-AARP) marketing in Hartford Casualty Insurance Company and an Independent Agency channel which will reside in Trumbull Insurance Company. This filing is made to accomplish this channel expansion, by adding the Private Passenger Auto class plan to the Trumbull Insurance Company independent agency business. At that time, new agency produced business will no longer be accepted in the current agency underwriting company, Hartford Insurance Company of the Midwest. ----------------- Existing customers in Hartford Insurance Company of the Midwest will continue to renew in that company. With the introduction of this class plan for agency business, Trumbull Insurance Company will give agents the opportunity to become certified AARP program agents for the purpose of advertising their affiliation with The Hartfords AARP Automobile Insurance Program and marketing to AARP members who prefer to consult with independent agents. Not all agents may qualify for certification. Certified AARP Program agents will use UW Tier Page 27 for AARP Member pricing. This tier is not available to agents who are not certified. Included in this filing, The Hartford is introducing the Consumer Direct program which will be underwritten in Hartford Casualty Insurance Company. Renewal business currently written in Twin City Fire Insurance Company or Sentinel Insurance Company, LTD. will continue to renew in their respective writing companies. Standard new business will continue to be written in Twin City Fire Insurance Company and Non-Standard new business will continue to be written in Sentinel Insurance Company, LTD. The changes listed below will be effective on or after November 21, 2009 for renewals. ----------------- The Hartford is also introducing a new process for determining physical damage symbols for model years 2011 and subsequent. Manual rule page 3.1 has been revised to reflect the new process. This filing includes revised Rate and Rule Manual, Class Plan and UW Tier pages. UW Tier pages are to be held and considered as PROPRIETARY AND CONFIDENTIAL TRADE SECRET as permitted under Missouri statute sections 417.450-417.467, RSMo., as referenced under 20CSR 10-2.400, sections (K)2 and (L). RFC Number(s): MOP50519 Date First Appeared: 10/16/2009 back to top AIG Auto Private Client Group files revisions in Oregon AIG Casualty Company is submitting an enhanced Private Client Group (PCG) Personal Automobile program. The effective date will be December 1, 2009 for new business and March 1, 2010 for renewal business. With the purpose of enhancing the program, the company is introducing a PCG specific Personal Automobile Policy along with two optional endorsements - PCA-CSO 03/08 - Cash Settlement Option; and PCA-COLL 03/08 - Collector Auto Class Endorsement. Revisions to the manual include the introduction of Hybrid Vehicle Credit and Cash Settlement Option. In the approved introductory and current Personal Automobile Program, the company utilize the Insurance Services Office (ISO) Policy Form (PP 00 01) along with a combination of PCG specific independent endorsements and other ISO endorsements. Similar revisions were also made in MO, TN, and UT. The following coverage introductions, enhancements or revisions are: ------------- 1) New Vehicle Replacement Coverage 2) Transportation Expenses - increasing coverage from $5,000 to $12,500 3) Trip Interruption/Emergency Living Expenses - increasing coverage from $500 to $2,500 4) Roadside Coverage 5) Coverage for Personal Property 6) Pet Coverage 7) Vehicle and Home Alteration Coverage 8) Towing - increasing from 50 to 100 the mile radius 9) Removing Rule 20 - additional towing charge 10) Withdrawing the Extended Towing and Labor Cost Coverage Endorsement PCA-EXTL 0103. 11) Vehicle Identity Theft/Fraudulent Title Coverage 12) Introducing Total Loss Cash Settlement Option Endorsement 13) Introducing Collector Auto Class Endorsement 14) Introducing Hybrid Vehicle Discount 15) Program Update and Endorsements - Covered Property Coverage PCA-CPC 03/05; Customizing Equipment Coverage PCA-CUSEQ 03/05; Miscellaneous Type Vehicle Endorsement PCA-MISCVEH 03/05; Snowmobile Endorsement PCA-SE 03/05; Trailer/Camper Body Coverage PCA-TCBC 03/05 RFC Number(s): ORP50345, UTP50445, TNP3432, MOP50052 Date First Appeared: 10/15/2009 back to top Nationwide Personal Auto filed 4.7% increase in Tennessee Nationwide General Insurance Company and Nationwide Mutual Insurance Company are making the following revisions with an overall effect of 4.7% for the Private Passenger Auto policies in Tennessee. The effective date for this filing will be November 23, 2009 for new and renewal business. Indications for Bodily Injury, Property Damage, Medical Payments/Family Compensation-Death Benefit, Uninsured Motorists Coverage-Bodily Injury, Uninsured Motorists-Property Damage, Comprehensive, Collision, and Loss of Use are based on 36 months of experience. The rate level changes were developed using the Nationwide Mutual and Nationwide General Insurance Companies experience and are proposed to be taken for the business to be written in these companies. ------------------------------------- 1) Territorial Base Rate Revisions - The Nationwide Mutual and Nationwide General Insurance Companies, territorial base rates are being adjusted for the following coverages: Bodily Injury, Property Damage, Medical Payments/Family Compensation/Excess Medical, Comprehensive, and Collision. 2) Revise Miscellaneous Coverage Base Rates - Base rates are being adjusted for Uninsured Motorists - Bodily Injury. The Loss of Use base rate for Not-Restricted Classics at the $60 per day level is being updated to be dime-rounded. 3) Company Factor - The Company Factor for Nationwide General Insurance Company is being revised. 4) Good Student Discount - A revision is being made to the rating manuals for the Nationwide Mutual and Nationwide General Insurance Companies in order to allow for qualifying home-schooled students to receive the Good Student Discount. 5) Qualifying Multi-Product Companies - A revision is being made to the rating manuals for the Nationwide Mutual and Nationwide General Insurance Companies in order to include Allied Companies in the qualifications of the Home and Car Discount, Multi-Car Discount, and Auto-Financial Discount, and in the list of Nationwide/Allied companies. RFC Number(s): TNP50494 Date First Appeared: 10/14/2009 back to top Hartford Homeowners 9.0% rate revision in Michigan Property and Casualty Insurance Company of Hartford submitted a 9.0% overall rate increase for Homeowners program in Michigan. This filing has a proposed effective date of December 12, 2009 for new business and January 28, 2010 for renewal business. The revisions in this filing are as follows: ----------- 1.) Revision of Base Rates: Base rate change that varies by form. 2.) Revised rule pages: The change in rate page format results in revisions to the following rules: Rule 406 changes to factors for Fixed Dollar Deductible, 1% Wind/Hail and 2% Wind/Hail Deductibles. Rule 521 change to form for Water Backup and Sump Discharge or Overflow Rule 801 expansion of categories and factor change for Age of Dwelling Rule 802 factor change for Account Credit Rule 806 change to flat charge for Additional Limits in the Event of a Total Loss to a Building Rule 809 change to flat charges for Sentinel Silver, Gold, Platinum endorsements Rule 818 expansion of categories and factor change for the loss surcharge section of the Rating Tier Multiplier RFC Number(s): MIP22209 Date First Appeared: 10/12/2009 back to top Allstate Personal Auto introduce Preferred Package Discount in Louisiana Allstate Property & Casualty Insurance Company introduced the Preferred Package Discount for Voluntary Private Passenger Auto Insurance Program in Louisiana. This filing also includes Multiple Policy Discount revisions and will be effective on November 16, 2009 for new and renewal business. The Preferred Package Discount has been filed under Allstate Property & Casualty in AR, DE, IN, KS, KY, LA, MD, TN and VA, under Allstate Insurance in HI and under Allstate Fire & Casualty in AZ, CT, IA, ID, IL, KS, ME, MO, NE, NH, OH, OK, OR, PA, RI, UT, VT and WA. ----------------- The Preferred Package Discount filed in Louisiana will apply to Bodily Injury, Property Damage, Medical, Collision, and Comprehensive coverages. To qualify for the discount, a policy must meet all of the following criteria: 1) Insure more than one Private Passenger and /or Utility vehicle, and 2) The named insured or spouse owns a residential property. The discount is based upon expected cost differences in fixed expenses and reflects retention differences for acquisition-related expenses. The discount amount is 8%. The Preferred Package Discount will apply to all new business and existing customers who satisfy the qualification criteria. ----------------- Allstate is proposing a revision to the Multiple Policy Discount factors. The revised factors represent a movement towards updated indicated factors for this discount. The indicated factors for the Multiple Policy Discount have been determined using a new methodology. The new methodology is based on multivariate analysis technique that considers all major rating plans simultaneously to account for correlation among variables. It consists of fitting a generalized linear model to loss data using maximum likelihood estimation. ----------------- Rate Adjustment Factors are being revised by coverage to offset the impact of the introduction of the Preferred Package Discount and revision of Multiple Policy Discount factors to arrive at a revenue neutral change. These changes are applicable only to the Strategic Risk Management IV (SRM IV) rating program in Allstate Property & Casualty Insurance Company (APC). Since December 26, 2005, all new business policies written in APC have been written in SRM IV rating program. Beginning May 15, 2007, renewal policies were subject to an automatic three-year credit reorder, at which time these policies were renewed into the SRM IV rating program. At this time, essentially all policies in APC are rated using the SRM IV rating program. RFC Number(s): ARP3460, AZP50172, CTP3581, DEP50242, HIP20524, IAP21772, IDP3152, ILP3571, INP50957, KSP20829, KSP50310, KYP22719, LAP21083, MDP50987, MEP50091, MOP3797, NEP50044, NHP50192, OHP23394, OKP3214, ORP50296, PAP50255, PAP50331, RIP50078, TNP50363, UTP50250, VAP22886, VTP3333, WAP50241 Date First Appeared: 10/09/2009 back to top Sentry Plain Talk Car Program filed revisions in Missouri Sentry Insurance a Mutual Company filed a 5% increase for the Plain Talk® Car program in Missouri. This filing includes rate, rule and form revisions to be effective on December 13, 2009 for both our new business and renewal customers. Although Middlesex Insurance Company is no longer writing business, Sentry will continue to file rates, rules and forms that match (rates/rules) or are used (forms) for the Sentry Insurance a Mutual Company products in case the company is reactivated at some later date. Revisions included in this filing are as follows: -------------- 1) Three New Territories - 37, 43 and 51 - The portion of Kansas City from old territory 52 that is in Jackson County was put into a new territory 51; the portion of old territory 40 that was not in Saint Charles County was put into new territory 41; the portion of old territory 36 that was in Springfield was put into new territory 37. 2) Revised Preferred Driver Discount 3) ISO Symbol Structure - this filing will enable the adoption of ISOs expanded symbol table from 27 to 75 symbols; and have revised the symbol factors. 4) Addition of Pet Injury Coverage 5) Additional Limits and Deductibles - adding a $1,000,000 property damage limit and combined single limit; adding a $1,000,000/$1,000,000 Combined single limit and BI limits. This also includes UM/UIM limits; introducing $750 and $5,000 deductibles available for comprehensive insurance; introducing a $750 deductible for collision insurance; reduced the $2500 comprehensive insurance deductible factor; adding an option to purchase full safety glass replacement coverage; eliminating the $15/450 max rental limit and will roll these policies to the $30/900 limit. The rate will increase from $11 to $15. Sentry will also offer a $60/1800 option; increasing the towing benefit to $100 and the rate to $9.00. 6) Steps to Rating have been revised to correspond to the new rating structure created for the ISO symbols and to correspond to the company system. Rule 3: Discounts; Rule 4: Comprehensive and Collision Coverages; Rule 8: Uninsured/Underinsured Motorist Coverage - new limits/rates added per filing; Rule 9: Other State Specific Coverages - Full Safety Glass Replacement Coverage is added; Rule 11: Rental Reimbursement; Rule 13: Road Service 7) 80-198D - Recreational Vehicle Endorsement replaces the 80-198B which will become obsolete in MO. 8) 80-818U - Amendatory Endorsement replaces the 80-818T which will become obsolete in MO. 9) 80-890(MO-SF)(Ed.12/09) - MO - Plain Talk® Car Customer Acknowledgement and Receipt replaces the 90-890(MO-SF)(Ed. 06/09) which will become obsolete in MO. 10) 80-1370A - Full Safety Glass Coverage Endorsement; introducing optional full safety glass coverage in MO. This coverage is currently available in AZ and MN. RFC Number(s): MOP50488 Date First Appeared: 10/08/2009 back to top Encompass Indemnity personal auto filed 9.4% increase in Tennessee Encompass Indemnity Company filed a 9.4% rate increase for personal auto in Tennessee; this filing also includes Motorcycle rates. This filing has an effective date of December 14, 2009 for new business and March 26, 2010 for renewal business. Changes on this filing includes revisions to the Rate Adjustment Factors, Rating Tier Factors, Multi-Car Rating Factors, Classification Factors, Model Year Factors, Package Discount, Fixed Expense Premiums, and Homeownership Discount. Additionally, this filing includes the implementation of the Preferred Protection Discount, an additional PD increased limit offering, as well as revisions to the current Classification Rule, Future Effective Date Discount and Good Student Discount. RFC Number(s): TNP21663 Date First Appeared: 10/07/2009 back to top ACE Homeowners Platinum Portfolio 15.7% decrease in Illinois ACE Homeowners Platinum Portfolio Program filed a 15.7% decrease in Illinois. This filing has an effective date of October 15, 2009 for new business and December 15, 2009 for renewals. This filing introduces the following changes to ACE Platinum Portfolio product: 1) Introduction of Mass Merchandising Discount Rule (page 1.2) 2) Territory Change to Du Page (page 2.1 and 2.2) 3) Revision to Package Discount rule to provide for two levels of discount opportunity (p 1.3) 4) Elimination of the Adjusted Limits - Building Additions & Alterations rule (page 3.1 and 5.1); Instead of a separate charge, the A&A limit is added to the Personal Property Limit when determining the appropriate Key Factor. 5) Elimination of Business Pursuits rule - there no in-force policies that have this coverage (page 6.2) 6) Introduction of Family Security Coverage (page 6.3) 7) Revise Increased Limits for Ensuing Fungi, Wet or Dry Rot, or Bacteria rule to eliminate reference to Adjusted Building Additions & Alterations premium (page 6.5) 8) The manual rule for Property Remediation for Escaped Liquid Fuel has been revised on pages 6.9 and 6.10 (to correspond to revised forms). 9) Revision to Valuables Credit rule to provide for two levels of discount opportunity (page 5.4) 10) Revise All Peril Deductible factors to vary by Territory (pages 4.1, 8.1, 8.2 and 8.3) 11) Rating Sequence changes to support the changes (page 3.1) 12) Revisions to Base Rates and Key Factors RFC Number(s): ILP3721 Date First Appeared: 10/06/2009 back to top Depositors Insurance Precision Homeowners filed 7.2% increase in Michigan Depositors Insurance Company revised rates and rules applicable to the Precision Homeowners Program in Michigan. Depositors Insurance Company is a member of Allied Insurance - a member of Nationwide Insurance, based in Des Moines, Iowa. The changes will be effective on October 26, 2009 for new business and December 10, 2009 for renewal business. The overall impact proposed is 7.2 percent, or an annual premium impact of approximately $304,000. The overall indicated rate level need an increase of 7.7 percent for HO-2, 3, 5 and an increase of 9.0 percent for HO-4, 6. The proposed overall rate level change is an increase of 5.8 percent for HO-2, 3, 5 and an 8.0 percent change for HO-4, 6. -------------- The Precision Homeowners program was recently implemented in Michigan and does not yet have enough policies or tenure to reliably measure a complex rate change. In an attempt to keep Precision homeowners program at the same overall rate level as non-Precision homeowners program, characteristics of Allied P&C Company were re-rated along with the Precision program to estimate the expected long-term rate impact of the proposed Precision changes. The proposed overall rate level change is an increase of 5.8 percent for HO- 2, 3, 5, and an increase of 8.0 percent for HO-4,6 when using the combined data. The proposed overall premium change on the Precision policies is an increase of 7.2 percent for Homeowners and an increase of 8.0 percent for HO-4, 6. -------------- Proposed Precision Rating Plan Changes: Remove $7,500 Deductible Implement New Fire Department Surcharge Limits Revise Age of Insured Discount Revise Territory Factors Revise Financial Stability Discount Revise Protection Class/Miles to Fire Department/Central Alarm Factors Revise Construction Type Factors Revise Amount of Insurance Factors Revise Household Composition Factors Revise Merit Rating Factors Revise Roof Rating Factors Revise Home Renovation Discount Revise Year of Construction Factors Revise Increased Liability Factors Revise Deductible Factors Offset Endorsement Rates Revise Base Rates Zip Code Updates RFC Number(s): MIP22182 Date First Appeared: 10/02/2009 back to top State Farm Homeowners filed 9.2% increase in Pennsylvania State Farm Fire and Casualty Company filed a 9.2% overall increase for the Homeowners Program in Pennsylvania. This filing has an effective date of October 15, 2009 for new business and December 1, 2009 for renewal business. ------------- 1) Homeowners Program Proposed Changes A. Subzone Definition Changes B. Medical Payments C. Zone Definition Pages ------------- 2) Non-Tenant Policy Proposed Changes A. Basic Premiums B. Deductible and Amount of Insurance Changes C. Construction Factors ------------- 3) Renters and Condominium Unitowners Policy Proposed Changes A. Basic Premiums B. Deductible and Amount of Insurance Changes C. Condominium Unitowners Optional Coverages RFC Number(s): PAP5859 Date First Appeared: 10/01/2009 back to top Hartford Property Choice program revision in Virginia Hartford Casualty Insurance Company, Hartford Insurance Company of the Midwest, Hartford Underwriters Insurance Company, Property and Casualty Insurance Company of Hartford, Trumbull Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company, Hartford Fire Insurance Company announce a revision to the Property Choice Series of Commercial Property Products. This filing has an effective date of December 12, 2009 for new and renewal business. The main purpose of this filing is to restructure and rewrite the Specialized Property Insurance Coverage Endorsement (SPICE). Similar Hartford Property Choice revision filings are also available in CA, DE, IN, KY, MD, ME, MT, ND, NJ, OR, PA, RI, VT and WI. ---------------- Hartford has combined several endorsements into one new form. In the previous edition, policy language for Additional Coverages was in one form (Coverage Forms) and the corresponding limit of insurance for Additional Coverages was in another form (Property Choice Schedule of Premises and Coverages). With this filing, Additional Coverages, policy language and limit of insurance are now in one endorsement. Hartford Property Choice new Additional Coverage endorsement is titled: Specialized Property Insurance Coverage endorsement or SPICE. All customers will now get a SPICE endorsement. For customers who elect to purchase Business Interruption coverage, Hartford has created Business Interruption Additional Coverage endorsements. ---------------- Along with the rewrite of SPICE, Hartford has made adjustments to their forms to dovetail with these changes. Some of the more common changes in this change are editorial in nature. For example in all forms wherever declarations or schedule appeared, it now reads Property Choice Schedule of Premises and Coverages. In addition to the above, Hartford is introducing GREEN CHOICE (Costs to Upgrade to Green Alternatives) to all of customers at no extra charge. Hartford Property Choice have also adopted the ISO (Insurance Services Offices) Commercial Crime Policy (Discovery Form) change to Property Choice Common Crime Coverages Form (ISO Revision Designation Number is CR-2005-OMF05) and have adopted some materials from ISO (Insurance Services Offices) Commercial Property Changes (ISO filing number CF -2007-OFR07 Forms and CF-2007RRU07 Rules). RFC Number(s): CAC42920, DEC50897, INC51095, KYC51154, MDC51227, MEC50300, MTC51414, NDC50526, NJC50983, ORC50392, PAC51015, RIC50359, VAC50262, VTC50597, WIC50847 Date First Appeared: 09/28/2009 back to top Personal Auto revisions for Allstate, State Farm and Travelers in Maryland Allstate Property & Casualty Insurance Company filed a 12.6% overall rate increase for Maryland Private Passenger Automobile (Closed Standard Book). Allstate is proposing to implement 12.6% of the rate level indication. Allstate is proposing to take this increase by revising a number of rating plans including Household Composition, Years with Prior Carrier / Prior Bodily Injury Limit Tier, Driver Classification, Your Choice Auto® Insurance Option Packages, and the About Me Discount. In order to attain a 12.6% overall increase, Rate Adjustment factors for Bodily Injury, Property Damage, Personal Injury Protection, Uninsured Motorist, Collision, and Comprehensive coverages were changed. Increased Limit addends for the Uninsured Motorist - Bodily Injury coverage were revised to change proportionately with the Uninsured Motorist Rate Adjustment factor change. For Excess Medical coverage, territorial base rates were adjusted since a Rate Adjustment factor does not apply to Excess Medical coverage. The proposed all business effective date for these changes is October 27, 2009. The estimated maximum impact to a policyholder is 42.98%. This policyholder has suspended coverage and currently only has a $51.75 semi annual premium. The largest impact to a policyholder without suspended coverage is 35.46%. 99% of policyholders will receive less than a 25% increase. The estimated minimum impact to a policyholder is 1.03%. ---------------------- Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company filed a 3.93% overall increase to the Quantum Automobile Program. The proposed effective date applies to any policies effective on and after October 20, 2009. This filing includes indications to support the rate impact as well as current and proposed rating factors. The rate level changes are as follows: ---------------------- State Farm Mutual Automobile Insurance filed a 0.2% rate decrease and State Farm Fire and Casualty filed a 1.3% rate increase for the Maryland Auto Program. Both filings have an effective date of September 7, 2009 for new and renewal business. State Farm Mutual is revising base rates and rating relativities. For the Customer Rating Index (CRI), State Farm Mutual revised current rate stabilization process to remove limit placed on CRI rate factor decreases. CRI rate factors indicated to decrease will move to the indicated factor. In addition, the company proposes changes to the statewide average base rate levels as shown in Exhibit 1 of the filing. The intent of the base rate changes is to offset most of the reduction in income from the change in the rate stabilization process. State Farm Fire and Casualty Company rates are established as a percentage of the corresponding State Farm Mutual base rates. The changes by coverage are summarized in the table below: RFC Number(s): MDP51003, MDP51143, MDP51144, MDP51147 Date First Appeared: 09/25/2009 back to top Hartford Private Equity Choice program revisions in California The Hartford Private Equity Choice is a liability insurance policy that provides coverage for private equity firms and the investment funds they manage. This product is designed with multiple coverage parts, thereby allowing Insureds to address several liability insurance needs in one policy. Twin City Fire Insurance Company and Hartford Fire Insurance Company Private Equity Choice revised rating factors that were derived using judgment from the Underwriting and Claims staff. In this filing, the changes are as follows: -------------- 1) Private Equity Fund Management and Professional Liability Coverage - The base rates were decreased for insureds with Assets under Management greater than $5 Billion and based on California policy distribution the rate impact is -0.2%. The ranges on the industry modifiers were adjusted, for a total rate impact of -2.6%. There were changes and additions made to the premium modifiers and the company expect this to have no rate impact. The Increased Limits Factors (ILFs) were changed to mirror the ILFs in the D&O coverage part of the Hartford Private Choice Encore product. The rate impact of this change is +5.4%. The overall rate change to the Private Equity Fund Management and Professional Liability coverage part is +2.4%. -------------- 2) Private Equity Employment Practices Liability Coverage Part - Insuring Agreement B, the rates and rating factors for this coverage were based on the EPL coverage from the Hartford Private Choice Encore product. -------------- 3) Private Equity Fiduciary Liability Coverage Part - The rates and rating factors for this coverage were based on the Fiduciary coverage from the Hartford Private Choice Encore product. RFC Number(s): CAC43729 Date First Appeared: 09/24/2009 back to top Hartford Homeowners Program filed 10% increase in Tennessee Hartford Casualty Insurance Company, Hartford Insurance Company of the Midwest, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company, Hartford Fire Insurance Company and Sentinel Insurance for Dimensions filed a 10% overall rate increase for the Homeowners Program in Tennessee. The Hartford is proposing to revise the rating plan for the above writing companies effective October 3, 2009 for new business and November 19, 2009 for renewal business. The proposed changes are a redefinition of territories, an increase the account credit to 22%, and an increase to masonry factors for all protection classes by 10%. For the Hartford Companies (except Sentinel), the base rates have been adjusted across territories to reach an overall +10% against an indication of 26.5%. For Sentinel Dimensions, the overall impact of this change would be +10% based on the latest building indication of 14.5%. The tenant and condo indications are not provided due to lack of data credibility. Hartford is changing the format of the rate pages and included in this filing are the new rate pages and revisions to manual pages. RFC Number(s): TNP50452, TNP50451 Date First Appeared: 09/23/2009 back to top USAA Homeowners Program filed new rating plan and 9.2% increase in PA 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) filed a rate increase and a new rating plan to their Homeowners Program in Pennsylvania. This proposed new rating plan simplifies the rating formula and introduced structures that will improve USAA's ability to offer a fair and competitive rate. Improvements include (1) moving towards a multiplicative structure, and (2) making the algorithm easier for their service representatives and members to understand. Renewal premiums will be capped to mitigate the impact of this revision. The overall rate level change is 9.2%. Actuarial exhibits were submitted as support for the proposed change and include a detailed explanation of the changes. A complete set of manual rate, rule, and territory pages were included in this filing. USAA Group submitted a combined rate and rule manual for USAA, USAA-CIC, USAA-GIC, and Garrison to replace currently approved manuals. These changes will become effective for new business on November 30, 2009 that is written on or after November 21, 2009 and renewal business on January 30, 2010. RFC Number(s): PAP50689 Date First Appeared: 09/22/2009 back to top Fireman's Fund Homeowners Prestige program filed 6.9% increase in California American Automobile Insurance Company, Associated Indemnity Corporation, Fireman's Fund Insurance Company, National Surety Corporation and The American Insurance Company filed a 6.9% rate increase for Homeowners Prestige Premier in California. This filing will be effective on December 31, 2009 for new and renewal business. Fireman's Fund companies proposed an increase to the Prestige Premier Building Form base rates, which has an overall impact of +6.4% and an increase to Prestige Premier Contents Form base rates, which has an overall impact of +13.7%. The split between forms is as follows: ------------------------ Prestige Building: $120,369,978 (+6.4%) Prestige Contents: $8,934,828 (+13.7%) TOTAL: $129,304,806 (+6.4%) RFC Number(s): CAP18481 Date First Appeared: 09/18/2009 back to top State Farm personal auto filed a 6.9% increase in New Jersey State Farm Indemnity Company (NJP50578) and State Farm Guaranty Insurance Company (NJP50579) submitted a prior approval rate filing in New Jersey for an overall rate increase of 6.9%. Commissioner Neil N. Jasey has approved the captioned filing. This filing will become effective on October 12, 2009 for new and renewal business. State Farm is sending exposure information by territory under a separate cover letter and request the info be kept confidential. The overall rate change of +6.9% is broken down as follows: ------------------ State Farm Indemnity BI/PD/PIP: + 11.3% UM: 0.0% Total Liability: +10.2% Comprehensive: 0.0% Collision: 0.0% Total Phys. Damage: 0.0% Overall Total: +6.9% ------------------ State Farm Guaranty BI/PD/PIP: + 9.5% UM: 0.0% Total Liability: +9.1% Comprehensive: +0.3% Collision: +0.5% Total Phys. Damage: +0.5% Overall Total: +6.9% RFC Number(s): NJP50578, NJP50579 Date First Appeared: 09/17/2009 back to top Navigators B&B Lawyers Program filed in AR, NC, ND, PA, and SD Navigators Insurance Company is presenting a new program filing for Lawyers Professional Liability. Law firms with 20 or fewer attorneys will be underwritten by The Lawyers Protector Plan, a division of B&B Protector Plans of Tampa, Florida. B&B has over 20 years of experience underwriting Lawyers Professional Liability. Law firms with over 20 attorneys will be underwritten by Navigators experienced underwriting team. ------------- The rates and rating plan are based on the recently approved Lawyers Professional Liability filing for Greenwich Insurance Company. Greenwich is the current insurer for B&B. Therefore, to ensure a seamless transition for B&Bs clients from Greenwich to Navigators, the company proposes a nearly identical rating plan. Minor changes are being made to the Area of Practice Factors, and an additional limit of liability option and deductible option are being added. All filings have a proposed effective date of November 1, 2009. RFC Number(s): ARC51885, NCC51430, NDC51122, PAC51695, SDC7994 Date First Appeared: 09/16/2009 back to top Auto Club Implements New Tiering on Auto Program in Illinois Automobile Club Inter-Insurance Exchange is restructuring their private passenger auto program. The company has completely rewritten their Illinois Rules and Rates Manual to correspond with the new private passenger auto program. This filing will be effective December 1, 2009 and includes the new rating structure, modified base rates, class factors, increase limit factors, model years and introduced new Comprehensive and Collision deductibles. --------------------- This will replace previously approved manual in its entirety with the following exceptions: Symbols will remain unchanged and still apply; the Acceptability Guidelines section of the new manual replaces the previous Underwriting Guidelines and is not included with this filing. These guidelines are not required to be filed in Illinois. Rules that apply to the application of rates or rating plans are included. The Installment Payment Plans are not included with this filing, rules concerning installment fee arrangements are not required to be filed in Illinois. --------------------- The new Illinois Rules and Rates Manual consist of the following sections: 1) Section 200 - Tiering, this section explains the new tiering structure and the Consumer lnsurance Score (ClS) 2) Section 300 - Rating, Discount and Surcharge Requirements, the rules below reflect the major changes to discounts and surcharges: Rule 323 - Premium Transition Rule - Introducing Premium Transition Rule which will mitigate an adverse effect on individual policyholders that may receive a large increase in premium due to a new rating plan or rate change Rule 326.8 - Multi-Line Discount - The previous Auto/Home discount is now part of a new Multi-Line Discount. The Auto/Home discount factors will no longer be associated with the Financial Responsibility Score (now referred to as Consumer Insurance Score) Rule 326.9 - Longevity Discount - Introducing a Longevity Discount, this will be based on years of continuous insurance and the number of household chargeable accidents or violations in the previous 36 months. The following Discounts will no longer be available: Accident-Free, Ultra-Preferred and New Driver Rule 328 - Surcharges - Introducing a Prior Liability Insurance Surcharge, Inexperienced Operator Surcharge and new Rating Surcharge Points. The previous CARE Plan (Merit Rating) will no longer be used. 3) Section 400 - Coverage Limits and Deductibles, added $750 and $2,000 deductible options for Comprehensive and Collision 4) Territories Section, the Territories Section has been reformatted to remove the section that listed the counties contained within each territory. Auto Club's system is based on assigning territories by zip code and their agents no longer use the section that listed the counties within each territory. The company has not changed any territory definitions with this filing. 5) Rating Section, the Rating Section of the manual has been revised to reflect the new program. RFC Number(s): ILP3663 Date First Appeared: 09/15/2009 back to top Recreational Vehicle, Personal Auto revisions for Safeco in IL, SD & State Auto in KY Illinois: Safeco Insurance Co of Illinois South Dakota: Safeco Insurance Company of America Safeco introduced annual or twelve month term policy for their personal auto program in Illinois and South Dakota. These filings will be effective on October 29, 2009 for new business and December 3, 2009 for renewal business. New and renewal policyholders in Preferred or Standard auto markets are eligible for the annual policy. The company is introducing a policy term factor of 2.05 to determine the annual auto premium. The Recreational Vehicle program is also introducing the annual policy term and will utilize a factor of 2.00. Product Guides updates, with minor editorial changes, and rate exhibits are included in this filing. ---------------------- Kentucky State Auto Property and Casualty Insurance Company, Meridian Security Insurance Company filed a 3.4% increase for the Kentucky-CustomFit® Auto Program-RV. This filing has an effective date of September 27, 2009 for new and renewal business. The filing includes the following proposed changes: 1. Base Rate revision 2. Model Year Update 3. ISO Physical Damage Symbol Factors 4. Territorial Revision 5. CustomFit® Level Factors 6. Auto/Home Discount 7. Antique/Classic Limited Use Vehicles Rates 8. Optional Limits Transportation Expenses Coverage 9. Early Upload Discount 10. AutoXtended Coverage 11. Payment Plans 12. Underwriting Guidelines RFC Number(s): ILP3668, KYP50667, SDP3918 Date First Appeared: 09/10/2009 back to top Farmers / Truck Legacy Homeowners submits 6.0% rate increase in Connecticut Truck Insurance Exchange filed revisions to their Legacy Homeowners program to be effective September 16, 2009 for new and renewal business. The company is filing adjustments to the program's Base Rates and Auto/Home discount. This filing revised Auto/Home Discount factors in order to move toward the indicated rate factor. The five-year fiscal accident-year loss experience for the Truck Insurance Exchange, brought to current levels and trended, indicates an overall rate change of +40.2%. Truck Insurance Exchange requested an overall statewide rate change of +6.0% submitted under the "Flex-Filing" laws of Connecticut. RFC Number(s): CTP50206 Date First Appeared: 09/09/2009 back to top Sentry/ Patriot General personal auto filed an 11% increase in Michigan Patriot General Insurance Company filed a revision of their Michigan personal automobile manual with an effective date of September 21, 2009 for new business, October 5, 2009 for the monthly term renewal business and November 4, 2009 for the six-month term renewal business. The revised manual pages replace those currently on file with the Michigan department. The main change in this filing is an adjustment to the Personal Injury Protection (PIP) base rate. The product's indicated rate need is driven almost entirely by the PIP coverage, thus an overall rate effect of +11.1%. RFC Number(s): MIP70050 Date First Appeared: 09/08/2009 back to top Travelers submits new rating plan for Public D&O in California Travelers Casualty and Surety Company of America files new Directors, Officers, and Organization Liability (PCDO) Coverage policy designed for public companies and financial institutions. This filing is necessitated by company plans to transfer certain products currently written through St. Paul Mercury and St. Paul Fire and Marine Insurance Company and its affiliates to The Travelers Indemnity Company and its affiliates and utilize one centralized platform. Due to system support issues, Travelers do not propose to implement this filing until September 15, 2010 for all new and renewal business effective on or after that date. ------------------------ The primary objective of this filing is to create products that will meet the needs of public company and financial institution customer base. When Travelers merged with St. Paul, the public company and financial institution specialty business were written utilizing St. Paul paper, while the private and non-profit specialty business was written utilizing Travelers paper. Travelers now plan to write the public company and financial institution specialty business on Travelers paper and utilize Travelers systems. ------------------------ This filing is introducing the Directors, Officers, and Organization Liability Coverage policy form, PCDO-3001 Ed. 01- 09, for the public company and financial institution customer base. New rates and rules were submitted specific to this program. The rates were established so as to not be inadequate, excessive, or unfairly discriminatory. This new Public Directors and Officers program has also been designed to work with the Modular Program rules. The Modular Program rules have been filed under separate cover under company filing number 2008-11-0002. ------------------------ The proposed rating plan takes into account the characteristics of an individual risk and generates an appropriate premium for their PCDO coverage. The base premium uses market capitalization as an exposure base where applicable and total assets or total assets under management for all other policies. The rating plan has three base rate tables, one for Financial Institutions with market cap as the exposure base, one for non Financial Institutions with market cap as the exposure base, and Private Companies with Public Debt with assets as the exposure base. The standard limit of liability is $1,000,000 and the standard retention is $25,000. Travelers has consolidated the ILF and retention factors into one table which allows for greater consistency in retention and increased limit factors. ------------------------ The rate plan contains sixteen risk modifiers: Balance Sheet, Income Statement, Cash Flow, Investment/Loan Portfolio, Reserving, Capital/Equity/Surplus, Customer Dependency, Stock Price Volatility, Market Cap-to-Book Value, Mergers/Acquisition, Securities Activity, Litigation History, Subsidiaries, Off-Balance Sheet Transactions, Ownership, and Corporate Governance. Two important rating variables are Class of Business and the ratio of market capitalization to assets. The Class of Business factors are based on standard industry classification code (SIC). The ratio of market cap to assets is used to identify well capitalized and distressed companies and debit or credit accordingly. RFC Number(s): CAC43683 Date First Appeared: 09/02/2009 back to top Liberty Mutual filed new Commercial Package Solution program in Indiana Employers Insurance Company of Wausau, Wausau Underwriters Insurance Company, Wausau Business Insurance Company, Liberty Mutual Insurance Company, Liberty Mutual Fire Insurance Company, LM Insurance Corporation, The First Liberty Insurance Corporation, and Liberty Insurance Corporation introduced Commercial Multi-Peril Package Solution Program in Indiana and effective September 1, 2009 for new and renewal business. Package Solution is a new proprietary property product intended to upgrade the coverage available in Liberty Mutual's package offering. The company wants Package Solution to provide more pricing flexibility while yielding significant expense savings and more efficient use of their company rating systems. The current ISO-based property product is described as cumbersome, particularly when used with accounts that fall into what we categorize as the middle market. Rating these accounts based on the ISO property product can involve considerable customization of policies and endorsements. Each additional step necessary to rate and maintain these policies uses up valuable company resources and increases the overall time and expense needed to complete the rating and policy issuance process. ---------------------------- Package Solution is designed to provide coverage in a single contract for most major commercial property, inland marine, and equipment breakdown coverages. These coverages include but are not limited to: Real Property, Personal Property, Personal Property of Others, Loss of Business Income, Extra Expense, Earth Movement, Flood Debris Removal, Valuable Papers, Accounts Receivable, Transit, Mobile Equipment, Buildings under Course of Construction, Demolition and Increased Construction Cost, Newly Acquired Locations and Computer Equipment. The various coverages are either automatically included in the policy or are activated by fill-ins, indicators, schedules, or by endorsement. Advantages to the policyholder include the ability to choose appropriate combinations of full blanket limits, specifics limits, coverages, etc. With few exceptions, one policy deductible applies to all losses. ---------------------------- The company relied on an analysis of industry data in addition to a review of competitor rates for a similar program. Specifically, Liberty Mutual reviewed the relativities and base loss costs of Beazley Insurance Company's All Risk Commercial Property program to aid in the development of the rating variables included in this filing. The actuarial method of loss cost relativities (LCR) was applied when analyzing the industry data. This is a new product and the company has no premium or loss data at this time with which to support their proposed rating structure. However, they intend to capture this data as they go forward and it will be used in future analyses to monitor the appropriateness of their pricing. Actuarial exhibits were developed based on Beazley Insurance Company, Inc. data, property industry data purchased from ISO and company data related to the companys current commercial property book. RFC Number(s): INC52157 Date First Appeared: 09/01/2009 back to top Farmers DistinctChoice Homeowners Program filed 6.9% increase in Louisiana Farmers Insurance Exchange DistinctChoice Homeowners product filed a 6.9% overall rate increase in Louisiana. The Louisiana Department of Insurance granted approval for this filing to be effective October 16, 2010 for new and renewal business. This filing made adjustments to zip code factors. The adjustments compare the indicated territory factors from their legacy filing to the DistinctChoice zip code factors grouped on a legacy territory basis. Make adjustments to the resulting indicated changes based on quote conversion ratios. Review changes on zip code basis and make further adjustments based on quote conversion ratio by zip using judgment-based guideline. Farmers' DistinctChoice product was introduced in Louisiana effective July 1, 2008. The company is making changes to respond to loss trends, preliminary loss experience, and recent changes to their legacy territory relativities and quote conversion results. RFC Number(s): LAP3272 Date First Appeared: 08/31/2009 back to top Hartford Homeowner Policy 91 Program propose 6.9% overall increase in California Hartford Casualty Insurance Company, Hartford Insurance Company of the Midwest, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company, Hartford Fire Insurance Company filed 6.9% overall rate increase for their agency Homeowner Policy Program 1991 Edition. This filing has a proposed effective date of December 30, 2009 for new and renewal business. ---------------------------- This filing includes a +6.9% overall change for Forms 2, 3 & 5A and for Forms 4, 6, varying by territory, base rate changes which vary by territory, and overall product changes. The 6.9% rate change consist of 4.7% increase to unity base rates and territorial relativities and an additional 2.2% increase a result of the proposed expansion to the experience rating credit from 5 to 10+ years, and the associate revision of factors for this variable. Additional product enhancements include the expansion of the age of dwelling credit from 11 years to 21+ years, as well as factor revisions for construction, home stretch basic, ordinance or law, workers'compensation endorsement, amount of insurance curves, and replacement cost of dwelling factors. Hartford is also proposing to implement new product features which include new deductible limits, Home Buyer discount, as well as roof age and roof type credits. These product changes have been off balanced in the base rates, resulting in a revenue neutral impact. RFC Number(s): CAP18438 Date First Appeared: 08/27/2009 back to top GEICO filed 2.0% to 5.3% rate revision in South Dakota Government Employees Insurance Company/ GEICO General Insurance Company filed 2.0% , GEICO Indemnity filed 5.1% while GEICO Casualty filed 5.3% overall rate increase. This will be effective on and after September 10, 2009 for new business and for all renewal policies effective on and after October 27, 2009. An editorial revision has been made to the territorial definition to delete zip code 57056 due to recent postal bulletin updates. It should be noted that this is not a rate change for motorcycles. The territorial definition pages are being submitted to keep the automobile and motorcycle territories in sync. Below are the following changes by company: ----------------------- Government Employees Insurance Company/ GEICO General Insurance Company 1) Revised Medical Payments increased limit factors 2) Add higher deductibles for Collision and Comprehensive coverages 3) Revising the definition of Married Drivers in the Driver Definitions section of Private Passenger Rule 3 to include widows and widowers 4) Revising the Associate Discount in Private Passenger Rule 16 to include shareholders of Berkshire Hathaway as being eligible for the discount 5) The Sponsored Marketing Discount in Rule 17 will be updated to remove shareholders of public corporations which sponsor GEICO and GEICO General from being eligible for the discount 6) Revising Miscellaneous Rules 8, 9 and 10 regarding Dune Buggies, Golf-mobiles and Snowmobiles for clarification and editorial purposes ----------------------- GEICO Indemnity Company 1) Revise Medical Payments increased limit factors 2) Add higher deductibles for Collision and Comprehensive coverages 3) Revising the definition of Married Drivers in the Driver Definitions section of Private Passenger Rule 3 to include widows and widowers 4) Revising the Associate Discount in Private Passenger Rule 16 to include shareholders of Berkshire Hathaway as being eligible for the discount 5) Revising Miscellaneous Rules 8, 9 and 10 regarding Dune Buggies, Golf-mobiles and Snowmobiles for clarification and editorial purposes ----------------------- GEICO Casualty Company 1) Revise Medical Payments increased limit factors 2) Add higher deductibles for Collision and Comprehensive coverages 3) Revising the definition of Married Drivers in the Driver Definitions section of Private Passenger Rule 3 to include widows and widowers 4) Revising the Associate Discount in Private Passenger Rule 16 to include shareholders of Berkshire Hathaway as being eligible for the discount RFC Number(s): SDP3814 Date First Appeared: 08/26/2009 back to top New York Private Passenger Auto recent Flex-Rate filings Travelers Home & Marine and Travelers Commercial Insurance Co requested a rate increase of +4.29% (+5.63% Liability and +2.22% Physical Damage) for the Quantum Program. The largest increase for a policyholder is 27.8%, lower than the flex-rate regulation threshold of 30%. Travelers is requesting this change be effective for New Business policies written effective on or after 05/15/2009 and Renewal policies written and effective on or after 06/14/2009. Summary of changes: 1) Coverage Base Rates: Adjustments made based upon loss experience and trends. 2) Territory Factors: Adjustments made based upon loss experience and trends. 3) Non-Driver Variables: Adjustments made based upon loss experience and trends. 4) Tier Factors: Adjustments made based upon loss experience and trends. 5) 2009 Model Year Roll-Up: Shifted factors to add new model years. ----------------------- Allmerica Financial Alliance Insurance Company Auto Connections Program proposed an overall +4.5% rate increase effective on May 22, 2009 for new business and February 22, 2009 for renewal business. Summary of changes: 1) Driver Class and Household Structure factors 2) Driver/Points tables 3) Territory factors 4) Base Rates by coverage 5) Adding latest Model Year factors ----------------------- Metropolitan Group Property and Casualty Insurance Company filed a 2.7% rate increase with an effective date of May 15, 2009 for new business and July 10, 2009 for renewal business. For all coverages, the Development factors were derived from and applied to paid (less salvage and subrogation) plus outstanding losses and allocated loss adjustment expenses in order to project them to an ultimate incurred level. The factors vary by coverage. The factors also vary according to the maturity of the losses to which they apply. In general, the more mature the losses are, the closer the ultimate development factor is to 1.000. Development factors were chosen by an examination of statewide and countrywide accident year loss histories. Liability coverage development factors reflect total limits. ----------------------- Dairyland Insurance Company requested a rate increase of 4.9% and planned effective date of May 6, 2009 for new business and July 6, 2009 for renewal business. Summary of changes: 1) Adjusted base rates for Bodily Injury, Property Damage, Personal Injury Protection, 2) Revised Physical Damage rules 3) Adjusted Model Year factor table ----------------------- Merastar Insurance Company requested a rate increase of 4.95% to be effective on May 1, 2009 for new business and June 1, 2009 for renewals. As of March 5, 2009, Merastar Insurance Company had 458 auto policies in New York with in-force premium of $432,249. This overall impact is obtained by adjusting the base rates for Bodily Injury, Property Damage, Personal Injury Protection, Comprehensive, and Collision coverages to align with the indicated adjustments. Base rates are the only changes with this filing. The rest of Merastar's current NY product will be unchanged. RFC Number(s): NYP23657, NYP23658, NYP23663, NYP23666, NYP23668, NYP23669 Date First Appeared: 08/25/2009 back to top Foremost Off-Road Vehicle Program filed 12.6% increase in Louisiana Foremost Insurance last filed a 9.5% rate decrease effective April 1, 2008 for new business. This approved filing will be effective January 1, 2010 for new and renewal business. The rate structure of Foremost's Off-Road Vehicle Program was modeled after Progressive's program. This was developed to insure a wide range of off-road vehicles and operators. -------------- Summary of changes: Revise Credit-based Insurance Risk Assessment Score rules Addition of Extraordinary Life Event rule Revise base premium Revise liability limits and factors Revise premium modifiers for Classification, Driving Record and Renewal Revise Multi-Policy factor Replacement of manual pages and forms RFC Number(s): LAP21075 Date First Appeared: 08/24/2009 back to top State Farm Homeowners proposed 6.9% increase in California State Farm General Insurance Company requests the effective date on January 1, 2010 for new and renewal business. The indicated change at the maximum permitted premium derived in accordance with all ratemaking parameters and methods prescribed in the California Department of Insurance (CDI) regulations is +26.4% (CCR Title 10, Chapter 5, Subchapter 4.8, amendments effective May 16,2008). This filing represents a request for an overall 6.9% change for the California Homeowners Program. -------------------- Homeowners Program Proposed Changes A. Subzone Definition Changes B. Optional Coverages C. Zone Definition Pages -------------------- Non-Tenant Homeowners Policy Proposed Changes A. Basic Premiums B. Deductible and Amount of Insurance Changes C. Utilities Rating Plan D. Construction Factors E. Miscellaneous Manual Changes -------------------- Renters and Condominium Unitowners Policy Proposed Changes A. Basic Premiums B. Amount of Insurance Changes C. Deductible Changes RFC Number(s): CAP18439 Date First Appeared: 08/21/2009 back to top Progressive Auto Advantage (PAA) Program debut in Wisconsin Progressive personal auto introduces Progressive Advantage Package in Wisconsin written under Artisan and Truckers Casualty Company (10194). On page 115 of 149 of this filing, Progressive (Rule P71) writes the rules governing Progressive Advantage Package and includes an exhibit for Progressive Advantage Package Factors. The Progressive Advantage Package includes Accident Immunity, Violation Immunity, and the Deductible Savings Bank. These features are only available on this package, and cannot be purchased individually. ------------------------------ The Accident Immunity feature protects customers from rate increases due to at-fault accidents that take place while the feature is in place. The Violation Immunity feature protects customers from rate increases due to minor violations that take place while the feature is in place. Customers with six month policy terms will earn a $50 Deductible Savings Bank benefit and customers with twelve month policy terms will earn a $100 Deductible Savings Bank benefit, for every term that no new violations or at-fault accidents (Rule D03), including those waived under the Accident Immunity and Violation Immunity features, are added to the Savings Bank. RFC Number(s): WIP50050 Date First Appeared: 08/20/2009 back to top RLI Introduces Design Professionals Program in California RLI Insurance Company has recently established a new Design Professionals Program which will specialize in providing professional liability coverage for architects, engineers and related professionals with a proposed effective date of October 1, 2009. This submission represents the initial independent rate and forms filing for this new operation. This filing does not amend or replace any rates, rules or forms currently filed and approved for RLI's use in California. This is an entirely new product for RLI. RLI is submitting independently developed Architects and Engineers Professional Liability Policy, along with application forms and a number of endorsements which will be used to appropriately tailor coverage to the specific needs of individual customers. RLI initially modeled their coverage form largely on the form used by XL Specialty Insurance Company (XLDP). However, during the development process, their policy has become much more of an amalgamation of the policies used by a number of prospective competitors (Ace, CNA, Travelers, St. Paul, AIG), all of which are currently available in the marketplace. RLI's submitted policy is not identical to any single insurer, yet is comparable with most of their anticipated competitors. We believe the submitted policy and endorsements are on par with - insuring agreement, definitions, exclusions, etc. - the Architects & Engineers Professional Liability forms filed and used in the admitted market. ------------------------------------------ As a new program, rates are not based on historic premium and loss experience. RLI has no experience data to support the submitted proposed rate structure. The company employed a product manager and underwriters who have several decades of combined experience writing this specialized line of business. The proposed rate structure used the rating plan of one of the most significant insurers in the marketplace, XL Specialty Insurance Company (XLDP), as a basis. It was differentiated based on company expense differences as well as relying heavily upon the experience and expertise of RLI's program management team. The rates and rules for the new RLI Design Professionals Program have been developed to result in premiums that are competitive with the insurers identified as our principal competitors in writing Architects and Engineers insurance, but not make RLI the lowest price in the market. RFC Number(s): CAC43570 Date First Appeared: 08/19/2009 back to top Truck Insurance Personal Auto filed 10% rate increase in Pennsylvania Truck Insurance Exchange DistinctChoice personal auto filing was approved for 10% overall increase effective November 1, 2009 for renewal business. The company initially proposed an overall statewide rate change of +27.0% based on actual loss ratio reported on Statutory Page 14 of the Annual Statement. The rate change applies to renewal business only as Truck Insurance Exchange is not accepting any new business as of April 30, 2009. Bristol West Insurance Company, an affiliate of Famers Insurance Group, started writing new business in Pennsylvania on April 14, 2009. --------------------- The changes proposed in this filing consist of the following: 1. Revised base rates in order to move toward the indicated rate changes by coverage. 2. Revised Underwriting Tier 1. 3. Revised Underwriting Tier 2. RFC Number(s): PAP50558 Date First Appeared: 08/14/2009 back to top Travelers Homeowners filed 9.34% increase in Georgia This rate filing covers the following companies: Automobile Insurance Company of Hartford, Connecticut, Charter Oak Fire Insurance Company, Phoenix Insurance Company, Standard Fire Insurance Company, Travelers Indemnity Company, Travelers Indemnity Company of America, Travelers Property Casualty Company of America, TravCo Insurance Company, Travelers Casualty and Surety Company and Travelers Property Casualty Insurance Company. This filing proposes an overall statewide rate level change of +9.34% for Georgia Homeowners. This change applies to all new business processed and effective on or after September 4, 2009 and to all renewals processed on or after September 4, 2009 and effective on or after October 24, 2009. Indicated statewide rate level changes have been developed utilizing normal rate making procedures using the latest available Travelers Homeowners experience in Georgia, accident year ending 12/31 for 2004 through 2008. RFC Number(s): GAP21695 Date First Appeared: 08/13/2009 back to top Affirmative Non-Merit Auto Program filed 12% overall increase in Michigan Affirmative Insurance Company of Michigan filed 12.1% overall rate increase in Michigan. The effective date is 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. Affirmative will be utilizing a new rating algorithm and tiering structure, although territory definitions have remained the same. A new set of rules which detail the new rating features is included. This new program does not utilize any credit variables in the rating structure. This submission is introducing a new Underwriting Guide that will replace the current version. Customer changes will be capped within the range from -1.5% to +35% (excluding fees). A rule to this effect has been added to the rating rules. RFC Number(s): MIP3704 Date First Appeared: 08/11/2009 back to top State Farm Homeowners 3.9% rate increase in Mississippi State Farm Fire and Casualty Company Homeowners Program filed a 3.9% rate increase in Mississippi. This approved filing has an effective date of August 1, 2009 for new business and October 1, 2009 for renewal business. This represents the filing for all zones beside Zones 10 and 20 as well as relativity and optional coverage adjustments that apply to all zones. ------------------------ Homeowners Program Proposed Changes A. Claim Record Rating Plan / Claim Free Discount B. Home/Auto Discount - from 15% to 20% C. Optional Coverages - New coverage, Dwellings Under Construction - Building Materials Theft, through Building Materials Theft Endorsement, FE-7531 D. Windstorm and Hail Exclusion Changes E. Medical Payments F. Rate Manual Changes ------------------------ Non-Tenant Policy Proposed Changes A. Basic Premiums B. Deductible and Amount of Insurance Changes C. Utilities Rating Plan D. Construction Factors E. Minimum Premium ------------------------ Renters and Condominium Unitowners Policy Changes A. Basic Premiums B. Deductible and Amount of Insurance Changes C. Construction Factors D. Minimum Premium RFC Number(s): MSP20754 Date First Appeared: 08/07/2009 back to top Allstate Texas Lloyd Homeowners Program filed 5.5% rate increase The filing includes attached exhibits supporting an overall rate level change of 5.5% based on an overall indicated rate level change of 11.9% for the Allstate Texas Lloyd's Owners Insurance Program in Texas. ---------------- For this program, the company is increasing the rates through the use of the Rate Adjustment Factor, which will apply uniformly across all zones to achieve the overall selected rate change. This filing is applicable to policies written on or after July 13, 2009 to replace current Allstate Texas Lloyd's policies and for renewal business processed on and after July 13, 2009. This corresponds to a renewal business effective date of August 27, 2009. RFC Number(s): TXP22704 Date First Appeared: 08/06/2009 back to top Farmers Next Generation® Homeowners rate revision in California Mid-Century Insurance Company filed 6.9% rate increase for the Next Generation Homeowners line in California. The proposed effective date will be February 16, 2010 for new and renewal business. Farmers® introduced the Next Generation Homeowners product effective August 1, 2006. While this product has incurred sufficient claims volume to render it fully credible under §2644.23 of Title 10, California Code of Regulations, Subchapter 4.8, the product lacks sufficient tenure to develop trend, loss and DCCE development and catastrophe adjustment based on its own experience alone. Therefore, consistent with CCR §2642.7 and discussions with the California Department, the ratemaking formula components are based on the results of the Homeowners Multiple Peril line as a whole from Fire Insurance Exchange, Farmers Insurance Exchange and Mid-Century Insurance Company combined. Loss experience based on the most recent accident year for Mid-Century Insurance Company, brought to current rate levels and trended to expected future levels, indicates an overall rate change of +31.2%. In this submission, the company is proposing an overall rate change of +6.9% to the Next Generation Homeowners product for Mid-Century Insurance Company. Propose revisions to the Next Generation Homeowners product are the following: ----------------------- 1. Implementation of Service Charges, Non-Sufficient Funds Fees and Late Fees due to the launch of Farmers new billing system. Service Charges are a flat charge applied per installment and are irrespective of the number of policies on the billing account. They will replace the current $5 installment fee. ----------------------- 2. Expansion of eligibility of the current Auto/Homeowners discount to all Next Generation policies cross-sold with Automobile policies written by companies recently acquired by Farmers®. ----------------------- 3. Introduction of a minimum premium of $25 for the "Farmers Next Generation® Homeowners Eco-Rebuild Endorsement (J6523 - 1st Edition)". This minimum was intended to be implemented concurrent with the introduction of the endorsement effective March 1, 2009, and its omission was an oversight. The impact of this change on Next Generation book is negligible. RFC Number(s): CAP18407 Date First Appeared: 08/05/2009 back to top Progressive Auto Flex Band 5% increase in New York Progressive Direct and Progressive Preferred filed 5% overall rate increase in New York. Both companies do not write new business. The renewal effective date for this rate revision is April 7, 2009. Progressive Direct filing includes actuarial exhibits supporting this revision and exhibits containing revised expense loads, territory factors, and vehicle age factors are included with this filing. Progressive Preferred filings contain actuarial exhibits supporting this revision and an exhibit containing revised regional base rates are included with this filing. RFC Number(s): NYP23653, NYP23651 Date First Appeared: 08/03/2009 back to top Hartford and Liberty Mutual Auto Flex Band filing in New York Liberty Mutual Fire Insurance Company and The First Liberty Insurance Corporation filed 4.85% increase and effective February 10, 2009 for new and renewal business. This filing replaces NY State Tracking Number R2008002621, R20080262. This filing increased Personal Injury Protection (PIP) rate adjustment factor from 0.0% to 10.2%, which combined with previously filed deductible changes results in an overall PIP rate effect of 14.7% with rate indication for PIP at 26.3%. --------------------- Hartford Insurance Company of Illinois filed 5% increase and effective January 15, 2009 for new business and March 6, 2009 for renewal business. The company has not revised rates in this program since implementation from filing made effective February 3, 2004. This filing is applicable to base rates, Uninsured Motorists Increased Limits Factors and Uninsured Motorists Territorial Relativities. Exhibits RT-1-1 through RT-1-10 of this attachment show the current and proposed base rate changes by territory. The changes in Increased Limit Factors and territorial relativities for the Uninsured Motorists coverage are based on competitor data. Exhibits CMP-1 through CMP-5 provides a more detailed explanation of the approach used. RFC Number(s): NYP23648, NYP23647 Date First Appeared: 07/31/2009 back to top Texas Farmers Homeowners filed 9.9% increase Texas Farmers Insurance Company filed revisions to Texas Family Home Policy (TFHP) and HOA policy and effective June 16, 2009 for new and renewal business. The indicated rate change for TFHP is 25.2% and the company is filing for a 9.9% overall change to the current rate level. Statewide rate level indications for the Texas Family Home Policy have been calculated using experience data through the 1st quarter 2008 evaluated as of March 2008. Information is being provided on historical rate changes, loss development, loss trends, premium trends, catastrophe analysis, reinsurance provisions, and expense and profit information. It is noted that the Texas Family Home Policy is an approved company-specific policy form. The company is also decreasing the persistency discount available to the HOA (Form A) product in Texas. RFC Number(s): TXP22700 Date First Appeared: 07/30/2009 back to top Hartford Employed Lawyers Choice Program filed in California Hartford Employed Lawyers Choice Program filed under Twin City Fire and Hartford Fire in California. This initial filing has a proposed effective date of August 25, 2009. The Hartford Employed Lawyers Choice Liability Policy is a liability product to provide coverage to protect in-house attorneys from defense costs and loss payments resulting from such attorney's legal services, securities violation services, moonlighting services and pro bono services. The policy shall be executed on behalf of the company by a duly authorized person and the corporate name of the company shall be affixed to the policy. The filing also includes new Employed Lawyers Rate pages EP - 1 thru EP - 4 (Ed. 05/09). -------------------------- The source used to develop the rates for this program is the Philadelphia Indemnity Insurance Company Employed Lawyers Rating Manual. Base rates, limit factors, retention factors, number of attorneys discount, and prior acts are the same as those filed by Philadelphia. Rate modifiers and individual risk modifiers differ and are based on underwriting judgment. RFC Number(s): CAC43369 Date First Appeared: 07/29/2009 back to top State Farm Lloyds Homeowners filed 8.5% increase in Texas State Farm Lloyds filed an 8.5% rate increase in Texas and will be effective September 1, 2009 for new business and October 1, 2009 for renewal business. Note: Copyrighted pages are not included in this filing. -------------- Homeowners Program Changes A. Zone Definition B. Subzone Definition C. Wind/Hail and Catastrophe Tier D. Zone Definition Pages E. Windstorm or Hail Exclusion F. Mold Coverage G. Water Damage Coverage -------------- Non-Tenant Policy Changes A. Basic Premiums B. Deductible Changes (Perils other than Wind and Hail) C. Utilities Rating Plan D. Impact Resistant Roof E. Wind/Hail Deductible Discount F. Dwelling Foundation Coverage G. Minimum Premium -------------- Renters and Condominium Unitowners Policy Changes A. Basic Premiums B. Minimum Premium RFC Number(s): TXP22698 Date First Appeared: 07/27/2009 back to top State Farm Personal Auto rate revision in West Virginia State Farm Mutual filed 1.0% increase and State Farm Fire & Casualty filed 5.6% increase for private passenger auto in West Virginia. State Farm Mutual is also revising motorcycle base rates and rating relativities with an average rate level decrease of 2.2%. These filing will be effective August 24, 2009 for both new and renewal business. ---------------- Proposed changes to private passenger base rates and rating relativities: Territory Rating Factors Class and Age Rating Factors Deductible Relativities Insurance Rating Group (IRG) Relativities Model Year Rating Factors Limit Factors Base Rates Customer Rating Index ---------------- Proposed changes to motorcycle rates and rating relativities: Separate base rates except for uninsured motorist coverage Territory Rating Factors Class and Age Rating Factors Model Year Rating Factors Deductible Relativities Insurance Rating Group (IRG) Relativities Customer Rating Index - models used will be unique for motorcycles RFC Number(s): WVP21104, WVP21103 Date First Appeared: 07/24/2009 back to top 21st Century Personal Auto filed 24.9% increase in Minnesota The 21st Century Insurance Company is filing a change to its private passenger automobile program rates in the state of Minnesota. The overall rate level effect of the proposed changes is +24.9%. The revisions are proposed to be effective July 28, 2009 for new business and for all renewals effective on or after August 29, 2009. Base rates for all coverages are being revised. A revised manual page reflecting the proposed base rates is also included. ----------------------- The vast majority of 21st Century's automobile business is written in the state of California, representing over 75% of their written premium. As such, the expense ratios and loss settlement patterns countrywide are biased to the California market and not necessarily appropriate to use to predict loss and expense data in the state of Minnesota. The expenses and loss development triangles utilized in this filing are those of affiliates in the 21st Century Insurance and Financial Services direct marketing program in order to more accurately reflect anticipated operating expenses and settlement practices for the prospective rating period. The development of the statewide rate indication is displayed in Exhibit 2. RFC Number(s): MNP22037 Date First Appeared: 07/23/2009 back to top Allied/ Nationwide Personal Auto rate revision in California Allied Property and Casualty Insurance Company, AMCO Insurance Company, Depositors Insurance Company, Nationwide Insurance Company of America and Crestbrook Insurance Company proposed an increase of 6.76% for the Regular Program, 6.82% for Group B Program and 1.70% for Group A Program. The effective date will be upon approval with a deemer date of September 1, 2009. --------------------------- Proposed Rating Plan Changes: Implement Accident Forgiveness - Currently, the companies do not offer Accident Forgiveness in California. With the introduction of Insurance Upgrades, Accident Forgiveness will be a selectable option for new and renewal business. This new feature can also be added or removed through amendments. --------------------------- Implement Minor Violation Forgiveness- Currently, the companies do not offer Minor Violation Forgiveness in California. With the introduction of Insurance Upgrades, Minor Violation Forgiveness will be a selectable option for new and renewal business. --------------------------- Revise Elite Driver Discount Functionality - Currently, a driver can only get Elite Driver Discount if they qualify for the Good Driver Discount. Going forward, the companies are removing the dependency of the Elite Good Driver Discount on the Good Driver Discount. Operators that qualify as an Elite Good Driver will receive a 7% discount. --------------------------- Rebased Model Year Factors from 2007 to 2010 - Rebased the model year relativities for Comprehensive and Collision from 2007 to 2010. --------------------------- Revised Occupational Discount - Revised the Occupation Group discount from 7.5% to 12.5%. Allow additional Occupational groups to receive Occupational Discount and have added an additional occupation to the current Occupation Group discount list. Farmers who are voting members of the CA Farm Bureau Federation will be added to the Occupation group. --------------------------- Revised Medical Payments from excess to primary - Revised the Medical Payment coverage from excess of all other recoverables to primary insurance with this review. --------------------------- Revise Permissive User - Currently, permissive user is not included in the base contract and the option is being purchased separately. Going forward permissive user will be included in the base contract. --------------------------- Removed the Reduced Limits Option - Currently, the Reduced Limits option allows for the reduction of liability limits for household members and permissive users who are not named insureds or their spouses. Going forward, this option will no longer be available for new business and new amendments. Current customers with reduced limits will be rolled to full limits on renewal. RFC Number(s): CAP70005, CAP70002 Date First Appeared: 07/22/2009 back to top State Farm Homeowners filed 13% increase in Illinois State Farm Fire & Casualty filed a 13% overall rate increase for the Homeowners Program in Illinois. This will be effective August 1, 2009 for new business and October 1, 2009 for renewal business. The company is also filing an update to their Customer Rating Index models for new and renewal business. The model information for new and renewal business, as well as updated manual pages for these changes, will be submitted separately. -------------- Summary of changes: Revised zone / subzones Revised base rates for all forms Revised Construction factors for Homeowners Revised Amount factors for Renters and Condominium Unitowners Revised Impact Resistive Roof discounts Increased Home/Auto discount from 17% to 20% Revised Deductibles for Homeowners Revised Condominium Occupancy rates Medical Payment $4,000 limit is no longer available for new business. Medical Payment $10,000 limit is now available for new business. Medical Payments $4,000, $6,000, $7,000, $8,000 and $9,000 are renewals only. Revised Loss Assessment rates for Condominium Unitowners RFC Number(s): ILP24789 Date First Appeared: 07/21/2009 back to top USAA Homeowners Program rate increase of 9.2% in Pennsylvania United Services Automobile Association, USAA Casualty Insurance Co (USAA-CIC), USAA General Indemnity Company (USAA-GIC) and Garrison Property and Casualty Insurance Company filed an overall rate increase of 9.2% for their Homeowners Program in Pennsylvania. This will be effective on November 30, 2009 for new business and January 30, 2010 for renewal business. An integral part of this program is the introduction of a redesigned rating plan for both Owners and Unit-Owners forms. This new rating plan will improve the company'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. --------------------------------- The new rating plan was developed using the multivariate approach to analysis called generalized linear modeling (GLM). GLM indications were developed using USAA Homeowners pure premium data for two policy years ending June 30, 2006 evaluated as of March 31, 2007. Frequency and severity were analyzed using GLM. The frequency model and severity model were then combined to get a pure premium model and developing indicated factors. New rating structures introduced in this new rating plan are Claims Free Discount, Auto and Homeowners Combination Discount, Claims Activity Surcharge and Square Footage rating. The current existing townhouse/ row house rating structure is being eliminated. Renewal premiums will be capped to mitigate the impact of this revision. --------------------------------- Revisions on existing rating structures and discounts are the following: Protective Device Credits Home Age Discounts Territory factors Underwriting price level factors Protection /Construction factors Deductible options and factors Amount of Insurance factors Policy form factors Rating for Personal Property coverage Home Protector coverage Increased Liability Limit rates Increased Dwelling Coverage Limit rates for Unit-Owners forms Personal Computer endorsement Personal Injury endorsement Sinkhole Collapse endorsement Special Coverage endorsement for Jewelry, Watches, Furs, and Silverware Earthquake endorsement RFC Number(s): PAP5835 Date First Appeared: 07/20/2009 back to top Progressive Multi-Tier Motorcycle Program filed 7.4% rate increase in New York Progressive Northwestern and Progressive Direct Multi-Tier Motorcycle Program filed 7.4% rate increase in New York with an effective date of November 21, 2008 for new business and January 6, 2009 for renewal business. Following is a summary of proposed changes: ------------------------- Transfer Discount (Rule D10) -Transfer Discount of 5% is proposed with this revision, applying to new business when the customer has maintained continuous motorcycle insurance for at least 6 months during the last 12 months. ------------------------- Claim Free Renewal Discount (Rule D13) -Claim Free Discount of 5% is proposed with this revision, applying to policies that have been in effect for at least 12 months and no at-fault claims have been field during the previous term. ------------------------- Accessory Coverage (Rule C09) -This coverage will include $3,000 worth of Accessory coverage for no additional premium on vehicles with Physical Damage coverage. This was previously $1,000 worth of coverage and called the coverage "Custom Parts and Equipment" coverage. ------------------------- Safety Course Discount (Rule D05) -This discount will apply to both motorcycles and snowmobiles. Previous filings had two separate discounts, one for motorcycles (prior Rule D23) and one for snowmobiles (prior Rule D05). The discount percentage, applicable coverages, and requirements have not changed. ------------------------- Credit Model - With this revision, Progressive will be using a new credit model called 'B41'. This is the same algorithm that was filed in the private passenger automobile program effective July 20, 2007 (Filing # R2007002161and R2007002162). The company utilizes the same algorithm as approved for use in their Private Passenger Auto program. ------------------------- Removal of Rule C15, Stated Amount -This rule has been removed. The company no longer has any vehicles in New York that are insured with this method of settlement. ------------------------- Improved Symbol Segmentation - Progressive propose to re-classifying several motorcycle models to different symbol designations, in order to move the motorcycle program in NY closer to their countrywide symbol designations. Progressive assign symbols to models, based on countrywide loss experience for the particular model, relative to that of the symbol class as a whole. ------------------------- Updated Rating Factors -This filing includes updated factors for engine displacement, vehicle age, and value class, all of which are based on countrywide loss experience. By updating these factors, this NY program will move closer to using the factors the company has in place for all other states. RFC Number(s): NYP23639 Date First Appeared: 07/15/2009 back to top Nationwide Personal Auto rate increases in Maryland Nationwide Mutual, Nationwide Mutual Fire, and Nationwide Property and Casualty Insurance filed 6.3% overall rate increase and 6.5% increase for Nationwide General in Maryland. These will be effective July 27, 2009 for new and renewal business. The proposed changes to this filings are Territory Base Rates revisions on Bodily Injury, Property Damage, Family Compensation, Medical Payments, Personal Injury Protection/Additional Personal Injury Protection, Comprehensive and Collision coverages; Revising base rates for Uninsured/Underinsured Motorists - Bodily Injury coverage and Uninsured/Underinsured Motorists-Property Damage coverage; Revising the coverage expense fees for Bodily Injury, Property Damage, Family Compensation, Medical Payments, Personal Injury Protection, Comprehensive, and Collision; Revising the structure of the driver classification factor charts for the Bodily Injury, Property Damage, Family Compensation, Medical Payments, Personal Injury Protection, Comprehensive, and Collision coverages (no rate impact to this change); Modifying the Cancellations section under the General Rules to eliminate short rating. RFC Number(s): MDP50828, MDP50827 Date First Appeared: 07/14/2009 back to top Travelers BOP Master Pac Program 5.3% rate increase in Maryland Travelers Casualty Insurance Company of America filed an overall 5.3% rate increase in Maryland effective September 1, 2009 for new and renewal business. The Master Pac product was first introduced in July 2007, and the company does not have credible actuarial experience for this program to date. This rate revision is based on marketplace analysis and from similar pricing structures. The proposed changes are applicable to all policies as follows: Base Rates: Actual base rate changes will vary by Segment and by Rating Territory. Class of Business (COB) Factors apply to the company's published manual rates and will result in rate levels which better reflect the expected experience of individual classes of business. The overall written premium impact of these changes is +5.3% on in force premium of $3,265,815 as of December 31, 2008. RFC Number(s): MDC51432 Date First Appeared: 07/13/2009 back to top Dairyland Motorcycle Program rate increases in DE, IL and RI Dairyland Motorcycle filed an 11.5% rate increase in Delaware effective August 4, 2009 for new business and September 4, 2009 for renewal business. This filing is also to introduce a new program to become available in Delaware, the Preferred Motorcycle Gold program. In addition to using the same rating elements of the current Classic program, the new Gold program also utilizes the household insurance score of the policyholder. The credit scoring model for the Gold program is the ChoicePoint New Attract Standard Auto Model that became effective January 1, 2008. Rating elements for the new Gold program include the following seven components: Household Insurance Score, Household At-Fault Accident Score, Household Not At-Fault Accident and Comprehensive Claim Score, Household Minor Conviction Score, Household Major Conviction Score, Household Transition Score and the Household Foreign Operator Score. --------------------------- Dairyland Motorcycle filed a 2.0% rate increase in Illinois effective August 4, 2009 for new business and September 4, 2009 for renewal business. This filing includes revised manual pages and will replace the respective manual pages currently on file with the Illinois Department. --------------------------- Dairyland Motorcycle filed a 3.5% overall rate increase in Rhode Island effective June 17, 2009 for new business and July 17, 2009 for renewal business. This filing is also to introduce a new program to become available in Rhode Island, the Preferred Motorcycle Gold program. In addition to using the same rating elements of the current Classic program, the new Gold program also utilizes the household insurance score of the policyholder. The rating elements are similar to the components listed in the above Delaware filing. RFC Number(s): RIP50075, DEP50298, ILP3530 Date First Appeared: 07/09/2009 back to top Indiana Homeowners rate increases from 5.66% to 10.80% Cincinnati Insurance Company filed 5.66% rate increase effective October 1, 2009 for new and renewal business. The company submitted updated rules and rates to be used with their Independent Homeowner Program. This filing is amending premiums for some of optional coverage endorsements, amending credits for dwelling age credit, amending credit amounts for our Preferred Risk credits and Superior Risk Credit, amending credits related to insurance scoring, and making base rate changes along with other changes. Insurance scoring will be using Choicepoint's Attract One model which has been reviewed and approved by the Indiana department. -------------------------------- Central Mutual Insurance Company filed 7.37% rate increase effective October 1, 2009 for new and renewal business. Revise Owners Form base rates. Revise the Class Factor page to separate out the mortgagee billed policies with a 1.00 factor under rule 5 payment timeliness. -------------------------------- Nationwide Mutual Fire Insurance Company filed 10.8% rate increase effective September 12, 2009 for new and renewal business. This filing will be changing multiple rating variables and revising credit renewal rules for Homeowners. Revisions will be in effect for base rates, territory definitions for all policy forms, territory factors for Homeowner, Tenant and Condominium policy forms, Deductible Rating factors, Age of Construction/ Home Renovation Rating factors, Protection Class factors, Water Backup rates, Financial Responsibility rate factors, Associate Discount and Financial Responsibility Renewal Rules RFC Number(s): INP50593, INP50566, INP50562 Date First Appeared: 07/08/2009 back to top Westfield Insurance Businessowners Program rate revisions in IA and PA The rate change is a decrease of 0.7% for Pennsylvania and an increase of 5% for Iowa, both will be effective on July 15, 2009 for new and renewal business. The filings are to expand the eligible classifications to allow for several additional restaurant and hotel classes to be written on the Businessowners product. It will also introduce a new rating structure for those classes so that liability premium can be based on sales. It includes changing the exposure base for the limited cooking classes so that the liability premium is based on sales. New rating algorithms, rates and factors for these classes will be introduced to reflect the rating structure change. Additions and changes are also being made to the optional coverage algorithms and rates. RFC Number(s): PAC11455, IAC4948 Date First Appeared: 07/07/2009 back to top Amica Mutual Introduces Homeowners Rating by Peril in Indiana Amica Mutual Insurance Company files a Homeowners Program 5.3% overall rate increase in Indiana. In this filing, Amica is creating a self-contained rate and rule manual for the homeowner line of business. As a result, ISO's General Rules, State Exceptions and Miscellaneous Rating Rules have been combined to form a complete manual. The company will be introducing a Rating by Peril rating system for the homeowner line of business. ------------------------------ In an effort to dramatically improve the matching of price with risk, Amica will implement a new homeowner insurance rating system effective on December 1, 2009 for new business and renewal policies. The basis of the new rating system is the calculation of premiums for six distinct peril groups. Breaking down the inflexible all-perils premium into a more nimble and precise rating system will not only serve to eliminate subsidies, but also serve to lay the foundation for future rating and product enhancements. RFC Number(s): INP50510 Date First Appeared: 07/06/2009 back to top 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: ---------------------------------- 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 back to top 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: --------------- 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 back to top 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 back to top 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 back to top 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 back to top 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%. --------------------------------------- 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 back to top 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 back to top 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. ----------------------------------------- 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. ----------------------------------------- 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 back to top 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. -------------------------------- 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 back to top 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. ---------------------- 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. ---------------------- 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. ---------------------- 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. ---------------------- 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. ---------------------- 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 back to top 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. ------------------------------------------------------ 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 back to top 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. -------------------------------------- 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 back to top 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 back to top 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 back to top 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. ------------------------------------------------------------------- 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 back to top 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. ---------------------------------------- CT: Effective June 21, 2009 OR: Effective May 17, 2009 IL and OH: Effective February 22, 2009 VA: Effective November 23, 2008 ---------------------------------------- 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 back to top 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 back to top 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) --------------------------------------------------------------------------------- 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. --------------------------------------------------------------------------------- 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) --------------------------------------------------------------------------------- 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 back to top 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 back to top 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 back to top 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. ------------------------------------------------------- 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. ------------------------------------------------------ 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 back to top 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 back to top 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 back to top 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. ------------------------------------------------------------------------------------------ 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. ------------------------------------------------------------------------------------------- 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 back to top 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 back to top 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 ----------------------------------------------------------------------------------- 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 back to top 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 back to top 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 back to top 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 -------------------------------------------------------------------------- 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 back to top GEICO Rate Increases in Oregon Effective May 7, 2008 for new business and June 1, 2009 for renewals ----------------------------------------- Introduction of $750, $1500, $2000 and $2500 deductibles in Collision and Comprehensive coverages for all companies ------------------------------------------ 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% ------------------------------------------- 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% ----------------------------------------- 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top "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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 USAAs 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top StarAdvantage Filings Available in Multiple States Harleysvilles 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 Programs 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 companys 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 companys request for a variance. RFC Number(s): CAP15415, CAP15417 Date First Appeared: 07/13/2007 back to top 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 back to top 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 back to top 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 back to top MSP HO filings RFC Number(s): MSP20622, MSP20623, MSP20624, MSP20625, MSP20626 Date First Appeared: 06/07/2007 back to top 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 back to top 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 back to top 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 Progressives underwriting rules. RFC Number(s): INP22338 Date First Appeared: 04/20/2007 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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. RFC Number(s): CAP14004, CAP14007 Date First Appeared: 08/18/2006 back to top USAA Becomes Second California Company to Comply With New Regulations - Additional filings now available USAA, the states 9th largest auto insurer, joins the Auto Club of Southern California in voluntarily agreeing to adopt Garamendis 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 back to top USAA Becomes Second California Company to Comply With New Regulations USAA, the states 9th largest auto insurer, joins the Auto Club of Southern California in voluntarily agreeing to adopt Garamendis 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 companys 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 back to top 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 back to top 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 back to top 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 Clubs decision to implement the Commissioners 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 Clubs 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 states 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. Todays announcement significantly advances the Commissioners 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 laws 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 Commissioners 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 models formulas and algorithms for new business. State Farms 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 back to top 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 back to top 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 back to top 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 back to top NJ DOI Approves Allstate New Jerseys 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 back to top 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 back to top 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 back to top 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 back to top 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. Quantums 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, Quantums 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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 back to top 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: back to top 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: back to top

Liberty Mutual Group is increasing rates 12.5% to their HO Program in WI

Travelers Casualty has increased rates 3.3% to their Master Pac Program in CO.

Foremost is increasing rates 9.7% to their Manufactured HO Program in GA.

Allstate decreased rates 3.6% to their BOP Customizer Program in VA.

Hartford Group is filing a 7.70% increase to their Class Group Rate Product Program in NC.

Nationwide Group is revising rates to their BOP Program in CT resulting in an overall rate increase of 8.2%.

State Auto is revising their Non-Standard Auto Program resulting in an overall rate increase of 3.0% in IN.

Farmers Introduces Next Generation Homeowners Policy in Texas

Allstate is filing a 6.4% rate decrease to their Condo Homeowners Program in CA

Farmers is increasing rates 1.6% to their HO Program in Wisconsin.

Liberty Group increased rates 6% to their Commercial Protector Program in MA.

Nationwide Insurance Company of America is revising rates and rules to their Class Plan M Private Passenger Automobile Program in Idaho resulting in an overall rate increase of 1.4 %.

Government Employees Insurance Company (GEICO) and GEICO General Insurance Company (GG) are filing a revision to their Automobile Casualty Manual in NY resulting in a +1.5% overall rate change.

Travelers Casualty and Surety Co of America is submitting a new Directors, Officers, and Organization Liability Coverage Policy designed for public companies and financial institutions in California.

Allstate is revising its current Motorcycle/Off-Road Vehicle Program in Virginia resulting in an overall rate increase of 15.8%.

AMCO and Allied P&C Insurance are filing revisions to their Homeowners Program in Tennessee resulting in an overall rate increase of 22.4%.

Chubb Group has filed revisions to their Homeowners Program in Maine resulting in an overall rate change of +9.2%.

Foremost has revised rates to their Homeowners Program in Pennsylvania resulting in an overall rate increase of 10.2%.

Safeco and First National are filing changes to their Independent Homeowners Program in California resulting in an overall rate increase of 6.9%.

Progressive Security submits new rates and complete set of rules to their Private Passenger Auto Program in Louisiana resulting in a -3.0% rate change.

Auto Club is filing to decrease rates 10.0% to their Private Passenger Auto Program in Hawaii.

Progressive is filing to decrease rates 7.18% to their Drive Private Passenger Auto Program in California

Allstate is filing an 8.5% increase to their Private Passenger Auto Program in Pennsylvania

Foremost has filed a 17.1% increase to their Motorcycle Program in Missouri

State Farm increases personal auto rates by 5.2% in Washington DC

AIG Casualty Company has filed to revise its Private Client Group Private Passenger Automobile Program in Connecticut resulting in a +9.5% increase

Nationwide (NICOA) submits personal auto revisions in Illinois

AIG Private Client Group Personal Auto filed 7.6% revision in Missouri

Hiscox submits Private Company Management Liability Program in California

Farmers Group submits Institutional Businessowners Program (IBOP) in CA

State Farm Personal Auto filed 3% increase in Vermont

GEICO Anti-Theft Discount and Miscellaneous Rules revision in Illinois

Nationwide Homeowners Enhanced Rating Plan 4.2% revision in Missouri

Central Mutual Homeowners filed 4.87% overall increase in New Mexico

Allstate Homeowners filed 4.3% increase in Louisiana

Progressive Personal Auto filed 3.5% rate revision in Georgia

Nationwide Homeowners Program 5.3% rate revision in Maryland

Progressive Preferred filed 5.9% increase in New York

Chubb Homeowners Masterpiece Program filed revisions in California

Allstate P&C Personal Auto filed 11.5% increase in Maryland

Admiral Group / Elephant Insurance Introduces Personal Auto Program in Virginia

Hartford / Sentinel Personal Auto filed 9.1% increase in Pennsylvania

Hartford Twin City/ Sentinel Personal Auto 7% rate revision in Missouri

AIG Auto Private Client Group files revisions in Oregon

Nationwide Personal Auto filed 4.7% increase in Tennessee

Hartford Homeowners 9.0% rate revision in Michigan

Allstate Personal Auto introduce Preferred Package Discount in Louisiana

Sentry Plain Talk Car Program filed revisions in Missouri

Encompass Indemnity personal auto filed 9.4% increase in Tennessee

ACE Homeowners Platinum Portfolio 15.7% decrease in Illinois

Depositors Insurance Precision Homeowners filed 7.2% increase in Michigan

State Farm Homeowners filed 9.2% increase in Pennsylvania

Hartford Property Choice program revision in Virginia

Personal Auto revisions for Allstate, State Farm and Travelers in Maryland

Hartford Private Equity Choice program revisions in California

Hartford Homeowners Program filed 10% increase in Tennessee

USAA Homeowners Program filed new rating plan and 9.2% increase in PA

Fireman's Fund Homeowners Prestige program filed 6.9% increase in California

State Farm personal auto filed a 6.9% increase in New Jersey

Navigators B&B Lawyers Program filed in AR, NC, ND, PA, and SD

Auto Club Implements New Tiering on Auto Program in Illinois

Recreational Vehicle, Personal Auto revisions for Safeco in IL, SD & State Auto in KY

Farmers / Truck Legacy Homeowners submits 6.0% rate increase in Connecticut

Sentry/ Patriot General personal auto filed an 11% increase in Michigan

Travelers submits new rating plan for Public D&O in California

Liberty Mutual filed new Commercial Package Solution program in Indiana

Farmers DistinctChoice Homeowners Program filed 6.9% increase in Louisiana

Hartford Homeowner Policy 91 Program propose 6.9% overall increase in California

GEICO filed 2.0% to 5.3% rate revision in South Dakota

New York Private Passenger Auto recent Flex-Rate filings

Foremost Off-Road Vehicle Program filed 12.6% increase in Louisiana

State Farm Homeowners proposed 6.9% increase in California

Progressive Auto Advantage (PAA) Program debut in Wisconsin

RLI Introduces Design Professionals Program in California

Truck Insurance Personal Auto filed 10% rate increase in Pennsylvania

Travelers Homeowners filed 9.34% increase in Georgia

Affirmative Non-Merit Auto Program filed 12% overall increase in Michigan

State Farm Homeowners 3.9% rate increase in Mississippi

Allstate Texas Lloyd Homeowners Program filed 5.5% rate increase

Farmers Next Generation® Homeowners rate revision in California