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Filing at a Glance Companies: LM General Insurance Company
LM Insurance Corporation
Product Name: LibertyGuard Personal Automobile Policy Program
State: West Virginia
TOI: 19.0 Personal Auto
Sub-TOI: 19.0000 Personal Auto Combinations
Filing Type: Rule
Date Submitted: 08/11/2014
SERFF Tr Num: LBPM-129674243
SERFF Status: Closed-Approved
State Tr Num: 100028252
State Status: Approved
Co Tr Num: 14-WV-P-AO-RU-GRS-TM
Effective DateRequested (New):
11/17/2014
Effective DateRequested (Renewal):
11/17/2014
Author(s): John Donnelly
Reviewer(s): Jeremy White (primary)
Disposition Date: 10/02/2014
Disposition Status: Approved
Effective Date (New):
Effective Date (Renewal):
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
General Information
Company and Contact
Project Name: 14-WV-P-AO-RU-GRS-TM Status of Filing in Domicile: Not Filed
Project Number: WV PL AO Telematics Domicile Status Comments:
Reference Organization: Reference Number:
Reference Title: Advisory Org. Circular:
Filing Status Changed: 10/02/2014
State Status Changed: 10/02/2014 Deemer Date: 10/11/2014
Created By: John Donnelly Submitted By: John Donnelly
Corresponding Filing Tracking Number:
Filing Description:
In accordance with the prior approval provision, LM General Insurance Company (LMGIC) and LM Insurance Corporation (LM-IC) respectfully request to revise the rules for their Personal Automobile Program. We are requesting these changes beeffective on or after 11/17/2014 for new and renewal business.
Summary of Changes:LM General Insurance Company (LMGIC) and LM Insurance Corporation (LM-IC) are introducing the RightTrack Discount andLow Mileage Discount.
The RightTrack Discount and Low Mileage Discount are voluntary rating factors based on measured driving behavior. Theseprograms will initially be offered through our Local Sales Office (LSO), Direct Response Center (DRC) and other partnerchannels.
Rate Effect:There is no rate effect associated with this filing.
Filing Contact InformationJohn Donnelly, Senior Compliance Analyst [email protected]
175 Berkeley Street
Mailstop 04G/H
Boston, MA 02116
617-357-9500 [Phone] 45340 [Ext]
617-654-3452 [FAX]
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
Filing Fees
Filing Company InformationLM General Insurance Company
175 Berkeley Street
Boston, MA 02116
(617) 357-9500 ext. [Phone]
CoCode: 36447
Group Code: 111
Group Name: Liberty MutualGroup
FEIN Number: 22-2227328
State of Domicile: Illinois
Company Type: Property andCasualty
State ID Number:
LM Insurance Corporation
175 Berkeley Street
Boston, MA 02116
(617) 357-9500 ext. [Phone]
CoCode: 33600
Group Code: 111
Group Name: Liberty MutualGroup
FEIN Number: 04-3058504
State of Domicile: Illinois
Company Type:
State ID Number:
Fee Required? Yes
Fee Amount: $150.00
Retaliatory? No
Fee Explanation: 75/co/rule filing
Per Company: Yes
Company Amount Date Processed Transaction #LM General Insurance Company $75.00 08/11/2014 84870800LM Insurance Corporation $75.00 08/11/2014 84870801
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
Correspondence Summary Objection Letters and Response LettersObjection Letters Response Letters
Status Created By Created On Date Submitted Responded By Created On Date SubmittedAdditionalInformationRequired
Jeremy White 08/20/2014 08/20/2014 John Donnelly 09/02/2014 09/02/2014
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
Objection Letter Objection Letter Status Additional Information Required
Objection Letter Date 08/20/2014
Submitted Date 08/20/2014
Respond By Date
Dear John Donnelly,
Introduction: Please explain in further detail what the right track discount and low mileage discount programs are for. Do you look at speed?is GPS involved? Do you have the capability of using this during the investigation of a claim. Do you look at hard braking? Is the lowmileage discount for those who travel low miles such as under 10K. Do you lose the discount if you go above 10k?We need more detail as to what you are doing.
What information did you use to determine the right track group levels and low mileage group levels? What information did you useto determine the factors for each low mileage group level and for each right track group factor? Did you look at any studies?
Conclusion:
Sincerely,
Jeremy White
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
Response Letter Response Letter Status Submitted to State
Response Letter Date 09/02/2014
Submitted Date 09/02/2014
Dear Jeremy White,
Introduction: Thank you for reviewing our filing.
Response 1
Comments: Our response is attached.
Changed Items:
Supporting Document Schedule Item ChangesSatisfied - Item: response 9 2 2014Comments:Attachment(s): WV Objection 1 8 20 14.pdf
No Form Schedule items changed.
No Rate/Rule Schedule items changed.
Conclusion: Thank you,
John Donnelly
Sincerely,
John Donnelly
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
Rate/Rule Schedule
Item
No.
Schedule Item
Status Exhibit Name Rule # or Page # Rate Action
Previous State
Filing Number Attachments1 Rating Manual Page Page R-V029-1&2 New WV-AO-LMGIC-LM-IC-R
Pages Vehicle_Cur_029.pdf2 Rating Manual Page Page R-V030-1&2 New WV-AO-LMGIC-LM-IC-R
Pages Vehicle_Cur_030.pdf3 Rating Manual Page F6E New RightTrack Discount Rule
Page Proof.pdf4 Rating Manual Page Premium Determination Replacement Premium Determination
Proof.pdf5 Rating Manual Page F6D New Low Mileage Discount Rule
Page Proof.pdf6 Rating Manual Page Index, Section A Replacement Index and Sec A Proof.pdf
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
West Virginia
Automobile Rating Manual
Vehicle Factor
Low Mileage Group BI PD MP Comp Coll UM UIM Fixed
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 0.9900 0.9900 0.9900 0.9900 0.9900 0.9900 0.9900 0.9900
2 0.9800 0.9800 0.9800 0.9800 0.9800 0.9800 0.9800 0.9800
3 0.9700 0.9700 0.9700 0.9700 0.9700 0.9700 0.9700 0.9700
4 0.9600 0.9600 0.9600 0.9600 0.9600 0.9600 0.9600 0.9600
5 0.9500 0.9500 0.9500 0.9500 0.9500 0.9500 0.9500 0.9500
6 0.9400 0.9400 0.9400 0.9400 0.9400 0.9400 0.9400 0.9400
7 0.9300 0.9300 0.9300 0.9300 0.9300 0.9300 0.9300 0.9300
8 0.9200 0.9200 0.9200 0.9200 0.9200 0.9200 0.9200 0.9200
9 0.9100 0.9100 0.9100 0.9100 0.9100 0.9100 0.9100 0.9100
10 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000
11 0.8900 0.8900 0.8900 0.8900 0.8900 0.8900 0.8900 0.8900
12 0.8800 0.8800 0.8800 0.8800 0.8800 0.8800 0.8800 0.8800
13 0.8700 0.8700 0.8700 0.8700 0.8700 0.8700 0.8700 0.8700
14 0.8600 0.8600 0.8600 0.8600 0.8600 0.8600 0.8600 0.8600
15 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500
16 0.8400 0.8400 0.8400 0.8400 0.8400 0.8400 0.8400 0.8400
17 0.8300 0.8300 0.8300 0.8300 0.8300 0.8300 0.8300 0.8300
18 0.8200 0.8200 0.8200 0.8200 0.8200 0.8200 0.8200 0.8200
19 0.8100 0.8100 0.8100 0.8100 0.8100 0.8100 0.8100 0.8100
20 0.8000 0.8000 0.8000 0.8000 0.8000 0.8000 0.8000 0.8000
21 0.7900 0.7900 0.7900 0.7900 0.7900 0.7900 0.7900 0.7900
22 0.7800 0.7800 0.7800 0.7800 0.7800 0.7800 0.7800 0.7800
23 0.7700 0.7700 0.7700 0.7700 0.7700 0.7700 0.7700 0.7700
24 0.7600 0.7600 0.7600 0.7600 0.7600 0.7600 0.7600 0.7600
25 0.7500 0.7500 0.7500 0.7500 0.7500 0.7500 0.7500 0.7500
26 0.7400 0.7400 0.7400 0.7400 0.7400 0.7400 0.7400 0.7400
27 0.7300 0.7300 0.7300 0.7300 0.7300 0.7300 0.7300 0.7300
28 0.7200 0.7200 0.7200 0.7200 0.7200 0.7200 0.7200 0.7200
29 0.7100 0.7100 0.7100 0.7100 0.7100 0.7100 0.7100 0.7100
30 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000
31 0.6900 0.6900 0.6900 0.6900 0.6900 0.6900 0.6900 0.6900
32 0.6800 0.6800 0.6800 0.6800 0.6800 0.6800 0.6800 0.6800
33 0.6700 0.6700 0.6700 0.6700 0.6700 0.6700 0.6700 0.6700
Version 1.04 effective per Section ALM General Insurance Company
LM Insurance Corporation Page R-V029-1
West Virginia
Automobile Rating Manual
Vehicle Factor
Low Mileage Group BI PD MP Comp Coll UM UIM Fixed
34 0.6600 0.6600 0.6600 0.6600 0.6600 0.6600 0.6600 0.6600
35 0.6500 0.6500 0.6500 0.6500 0.6500 0.6500 0.6500 0.6500
36 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400
37 0.6300 0.6300 0.6300 0.6300 0.6300 0.6300 0.6300 0.6300
38 0.6200 0.6200 0.6200 0.6200 0.6200 0.6200 0.6200 0.6200
39 0.6100 0.6100 0.6100 0.6100 0.6100 0.6100 0.6100 0.6100
40 0.6000 0.6000 0.6000 0.6000 0.6000 0.6000 0.6000 0.6000
41 0.5900 0.5900 0.5900 0.5900 0.5900 0.5900 0.5900 0.5900
42 0.5800 0.5800 0.5800 0.5800 0.5800 0.5800 0.5800 0.5800
43 0.5700 0.5700 0.5700 0.5700 0.5700 0.5700 0.5700 0.5700
44 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600
45 0.5500 0.5500 0.5500 0.5500 0.5500 0.5500 0.5500 0.5500
46 0.5400 0.5400 0.5400 0.5400 0.5400 0.5400 0.5400 0.5400
47 0.5300 0.5300 0.5300 0.5300 0.5300 0.5300 0.5300 0.5300
48 0.5200 0.5200 0.5200 0.5200 0.5200 0.5200 0.5200 0.5200
49 0.5100 0.5100 0.5100 0.5100 0.5100 0.5100 0.5100 0.5100
50 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000
Version 1.04 effective per Section ALM General Insurance Company
LM Insurance Corporation Page R-V029-2
West Virginia
Automobile Rating Manual
Vehicle Factor
RightTrack Group BI PD MP Comp Coll UM UIM Fixed
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 0.9900 0.9900 0.9900 0.9900 0.9900 0.9900 0.9900 0.9900
2 0.9800 0.9800 0.9800 0.9800 0.9800 0.9800 0.9800 0.9800
3 0.9700 0.9700 0.9700 0.9700 0.9700 0.9700 0.9700 0.9700
4 0.9600 0.9600 0.9600 0.9600 0.9600 0.9600 0.9600 0.9600
5 0.9500 0.9500 0.9500 0.9500 0.9500 0.9500 0.9500 0.9500
6 0.9400 0.9400 0.9400 0.9400 0.9400 0.9400 0.9400 0.9400
7 0.9300 0.9300 0.9300 0.9300 0.9300 0.9300 0.9300 0.9300
8 0.9200 0.9200 0.9200 0.9200 0.9200 0.9200 0.9200 0.9200
9 0.9100 0.9100 0.9100 0.9100 0.9100 0.9100 0.9100 0.9100
10 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000
11 0.8900 0.8900 0.8900 0.8900 0.8900 0.8900 0.8900 0.8900
12 0.8800 0.8800 0.8800 0.8800 0.8800 0.8800 0.8800 0.8800
13 0.8700 0.8700 0.8700 0.8700 0.8700 0.8700 0.8700 0.8700
14 0.8600 0.8600 0.8600 0.8600 0.8600 0.8600 0.8600 0.8600
15 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500 0.8500
16 0.8400 0.8400 0.8400 0.8400 0.8400 0.8400 0.8400 0.8400
17 0.8300 0.8300 0.8300 0.8300 0.8300 0.8300 0.8300 0.8300
18 0.8200 0.8200 0.8200 0.8200 0.8200 0.8200 0.8200 0.8200
19 0.8100 0.8100 0.8100 0.8100 0.8100 0.8100 0.8100 0.8100
20 0.8000 0.8000 0.8000 0.8000 0.8000 0.8000 0.8000 0.8000
21 0.7900 0.7900 0.7900 0.7900 0.7900 0.7900 0.7900 0.7900
22 0.7800 0.7800 0.7800 0.7800 0.7800 0.7800 0.7800 0.7800
23 0.7700 0.7700 0.7700 0.7700 0.7700 0.7700 0.7700 0.7700
24 0.7600 0.7600 0.7600 0.7600 0.7600 0.7600 0.7600 0.7600
25 0.7500 0.7500 0.7500 0.7500 0.7500 0.7500 0.7500 0.7500
26 0.7400 0.7400 0.7400 0.7400 0.7400 0.7400 0.7400 0.7400
27 0.7300 0.7300 0.7300 0.7300 0.7300 0.7300 0.7300 0.7300
28 0.7200 0.7200 0.7200 0.7200 0.7200 0.7200 0.7200 0.7200
29 0.7100 0.7100 0.7100 0.7100 0.7100 0.7100 0.7100 0.7100
30 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000 0.7000
31 0.6900 0.6900 0.6900 0.6900 0.6900 0.6900 0.6900 0.6900
32 0.6800 0.6800 0.6800 0.6800 0.6800 0.6800 0.6800 0.6800
33 0.6700 0.6700 0.6700 0.6700 0.6700 0.6700 0.6700 0.6700
Version 1.04 effective per Section ALM General Insurance Company
LM Insurance Corporation Page R-V030-1
West Virginia
Automobile Rating Manual
Vehicle Factor
RightTrack Group BI PD MP Comp Coll UM UIM Fixed
34 0.6600 0.6600 0.6600 0.6600 0.6600 0.6600 0.6600 0.6600
35 0.6500 0.6500 0.6500 0.6500 0.6500 0.6500 0.6500 0.6500
36 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400 0.6400
37 0.6300 0.6300 0.6300 0.6300 0.6300 0.6300 0.6300 0.6300
38 0.6200 0.6200 0.6200 0.6200 0.6200 0.6200 0.6200 0.6200
39 0.6100 0.6100 0.6100 0.6100 0.6100 0.6100 0.6100 0.6100
40 0.6000 0.6000 0.6000 0.6000 0.6000 0.6000 0.6000 0.6000
41 0.5900 0.5900 0.5900 0.5900 0.5900 0.5900 0.5900 0.5900
42 0.5800 0.5800 0.5800 0.5800 0.5800 0.5800 0.5800 0.5800
43 0.5700 0.5700 0.5700 0.5700 0.5700 0.5700 0.5700 0.5700
44 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600 0.5600
45 0.5500 0.5500 0.5500 0.5500 0.5500 0.5500 0.5500 0.5500
46 0.5400 0.5400 0.5400 0.5400 0.5400 0.5400 0.5400 0.5400
47 0.5300 0.5300 0.5300 0.5300 0.5300 0.5300 0.5300 0.5300
48 0.5200 0.5200 0.5200 0.5200 0.5200 0.5200 0.5200 0.5200
49 0.5100 0.5100 0.5100 0.5100 0.5100 0.5100 0.5100 0.5100
50 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000 0.5000
Version 1.04 effective per Section ALM General Insurance Company
LM Insurance Corporation Page R-V030-2
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
F6E. RightTrack Discount At the request of the insured and per vehicle, Liberty Mutual Insurance will use telematics technology to collect mileage and driving behavior data. All compatible vehicles on the policy are eligible for this program and the insured must provide a valid email address. Upon enrollment, the RightTrack Discount will be applied to the vehicle as an endorsement and the RightTrack Group will initially be set to group 5 (refer to the Rating pages). After a review period of approximately 90 days, data collection will cease. The RightTrack Discount will be recalculated using the collected data and the RightTrack Group will be updated accordingly (refer to the Rating pages). The final discount assigned to the vehicle will persist with the vehicle for the life of the policy and will continue through renewal so long as the vehicle, or its replacement, remains on the policy. For the discount to apply to a replacement vehicle, the replacement vehicle should be added to the insured’s policy within a reasonable time of the removal of the existing vehicle. If a vehicle is replaced during the review period, then the program may be continued by enrolling the replacement vehicle. If any of the following conditions occur during the review period, the vehicle will be withdrawn from the program and the RightTrack Discount will be removed:
• Insured does not complete enrollment • Voluntary withdrawal at the insured’s request • Insufficient information for derivation of RightTrack Discount Factor
A vehicle cannot participate in both the RightTrack Discount and the Low Mileage Discount. West Virginia Version 1.04 Effective Per Page A
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
Premium Determination – Household Composition Factor
Household Composition Factor
Factor
BI PD MP Comp Coll UM UIM FE
Number of Operators
Multi-Car Discount x x x x x x x x
Minimum Age x x x x x x x x
Maximum Age x x x x x x x x
Minimum Years Licensed x x x x x x x x
Number of Operators & Number of Vehicles
x x x x x x x x
Household Composition Factor
= = = = = = = =
Premium Determination – Final Vehicle Factor
Final Vehicle Factor Factor
BI PD MP Comp Coll UM UIM FE
Vehicle Factor
Vehicle Discount Factor x x x x x x x x
Final Vehicle Factor = = = = = = = =
Vehicle Discount Factor Factor
BI PD MP Comp Coll UM UIM FE
New-to-Liberty
Hybrid x x x x x x x x
Vehicle Safety x x x x x x x x
Low Mileage Discount Group x x x x x x x x
Right Track Discount Group x x x x x x x x
Vehicle Discount Factor = = = = = = = =
Vehicle Factor Factor
BI PD MP Comp Coll UM UIM FE
VIN Factor
Ownership x x x x x x x x
Annual Mileage x x x x x x x x
Usage x x x x x x x x
Purchased New/Used x x x x x x x x
Coverage Combination x x x x x x x x
Vehicle Factor = = = = = = = =
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
F6D. Low Mileage Discount At the request of the insured and per vehicle, Liberty Mutual Insurance will verify vehicle mileage. All compatible vehicles on the policy are eligible for this program and the insured must provide a valid email address. Upon enrollment, the Low Mileage Discount will be applied to the vehicle as an endorsement and the Low Mileage Group will initially be set to group 5 (refer to the Rating pages). After a review period of approximately 90 days, data collection will cease. The Low Mileage Discount will be recalculated using the collected data and the Low Mileage Group will be updated accordingly (refer to the Rating pages). The final discount assigned to the vehicle will persist with the vehicle for the life of the policy and will continue through renewal so long as the vehicle, or its replacement, remains on the policy. For the discount to apply to a replacement vehicle, the replacement vehicle should be added to the insured’s policy within a reasonable time of the removal of the existing vehicle. If a vehicle is replaced during the review period, then the program may be continued by enrolling the replacement vehicle. If any of the following conditions occur during the review period, the vehicle will be withdrawn from the program and the Low Mileage Discount will be removed:
• Insured does not complete enrollment • Voluntary withdrawal at the insured’s request • Insufficient information for derivation of Low Mileage Discount Factor
A vehicle cannot participate in both the RightTrack Discount and the Low Mileage Discount. West Virginia Version 1.04 Effective Per Page A
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
F2C – Vehicle Ownership F2C
F2D – Annual Mileage F2D
F2E – Status at Purchase F2E
F2F – Coverage Combination F2F
F3. Incident Factor F3
F3A – Chargeable Accidents F3A
F3B – Violation Definitions F3B
F3C – Accident Forgiveness F3C
F4. Tier Factor F4
F5. Territory Factor F5
F6. Vehicle Discount Factor F6
F6A – New-to-Liberty Vehicle Discount F6A
F6B – Vehicle Safety Discount F6B
F6C – Hybrid Vehicle Discount F6C
F6D – Low Mileage Discount F6D
F6E – Right Track Discount F6E
F7. Policy Discount Factor F7
F7A – Paid-in-Full Discount F7A
F7B – Electronic Funds Transfer (EFT) Discount F7B
F7C – Payroll Deduction Discount F7C
F7D – Early Shopper Discount F7D
F7E – Longevity Factor F7E
F7F – Newlywed Discount F7F
F7G – New Teen Driver Discount F7G
F7H – Newly Independent Discount F7H
F7I – New Move Discount F7I
F7J – Multi-Policy Discount F7J
F7K – Paperless Policy Discount F7K
F8. Limit & Deductible Factor F8
F9. Certified Risks (Financial Responsibility Laws) F9
F10. Cycle Guard F10
F11. Fixed Expense F11
F12. Taxes and Surcharges F12
SECTION TC – Trailer and Camper Coverage and Rating TC
TC1. Liability Insurance TC1
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
SECTION A – INDEX PAGE
Version Effective Date 1.00 2/20/2012
1.01 6/17/2013
1.02 12/19/2013
1.03 2/20/2014
1.04 11/17/2014
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
Supporting Document Schedules Bypassed - Item: Rate Abstract P&CBypass Reason: Not applicable.Attachment(s):Item Status:Status Date:
Satisfied - Item: Mock PagesComments:
Attachment(s): Index and Sec A Mock.pdfPremium Determination Mock.pdf
Item Status:Status Date:
Satisfied - Item: response 9 2 2014Comments:Attachment(s): WV Objection 1 8 20 14.pdfItem Status:Status Date:
SERFF Tracking #: LBPM-129674243 State Tracking #: 100028252 Company Tracking #: 14-WV-P-AO-RU-GRS-TM
State: West Virginia First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: LibertyGuard Personal Automobile Policy Program
Project Name/Number: 14-WV-P-AO-RU-GRS-TM/WV PL AO Telematics
PDF Pipeline for SERFF Tracking Number LBPM-129674243 Generated 10/06/2014 07:19 AM
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
F2C – Vehicle Ownership F2C
F2D – Annual Mileage F2D
F2E – Status at Purchase F2E
F2F – Coverage Combination F2F F3. Incident Factor F3
F3A – Chargeable Accidents F3A
F3B – Violation Definitions F3B
F3C – Accident Forgiveness F3C
F4. Tier Factor F4
F5. Territory Factor F5
F6. Vehicle Discount Factor F6
F6A – New-to-Liberty Vehicle Discount F6A
F6B – Vehicle Safety Discount F6B
F6C – Hybrid Vehicle Discount F6C
F6D – Low Mileage Discount F6D
F6E – Right Track Discount F6E
F7. Policy Discount Factor F7
F7A – Paid-in-Full Discount F7A
F7B – Electronic Funds Transfer (EFT) Discount F7B
F7C – Payroll Deduction Discount F7C
F7D – Early Shopper Discount F7D
F7E – Longevity Factor F7E
F7F – Newlywed Discount F7F
F7G – New Teen Driver Discount F7G
F7H – Newly Independent Discount F7H
F7I – New Move Discount F7I
F7J – Multi-Policy Discount F7J
F7K – Paperless Policy Discount F7K
F8. Limit & Deductible Factor F8
F9. Certified Risks (Financial Responsibility Laws) F9
F10. Cycle Guard F10
F11. Fixed Expense F11
F12. Taxes and Surcharges F12
SECTION TC – Trailer and Camper Coverage and Rating TC
TC1. Liability Insurance TC1
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
SECTION A – INDEX PAGE
Version Effective Date 1.00 2/20/2012
1.01 6/17/2013
1.02 12/19/2013
1.03 2/20/2014
1.04 11/17/2014
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
LM General Insurance Company LM Insurance Corporation Automobile Rating Manual
West Virginia Version 1.04 Effective Per Page A
Premium Determination – Household Composition Factor
Household Composition Factor
Factor BI PD MP Comp Coll UM UIM FE
Number of Operators Multi-Car Discount x x x x x x x x
Minimum Age x x x x x x x x Maximum Age x x x x x x x x
Minimum Years Licensed x x x x x x x x Number of Operators &
Number of Vehicles x x x x x x x x
Household Composition Factor
= = = = = = = =
Premium Determination – Final Vehicle Factor
Final Vehicle Factor Factor
BI PD MP Comp Coll UM UIM FE
Vehicle Factor
Vehicle Discount Factor x x x x x x x x
Final Vehicle Factor = = = = = = = =
Vehicle Discount Factor Factor
BI PD MP Comp Coll UM UIM FE New-to-Liberty
Hybrid x x x x x x x x Vehicle Safety x x x x x x x x
Low Mileage Discount Group x x x x x x x x Right Track Discount Group x x x x x x x x
Vehicle Discount Factor = = = = = = = =
Vehicle Factor Factor
BI PD MP Comp Coll UM UIM FE VIN Factor Ownership x x x x x x x x
Annual Mileage x x x x x x x x Usage x x x x x x x x
Purchased New/Used x x x x x x x x Coverage Combination x x x x x x x x
Vehicle Factor = = = = = = = =
Objection 1: Please explain in further detail what the right track discount and low mileage discount programs are for. Do you look at speed? is GPS involved? Do you have the capability of using this during the investigation of a claim. Do you look at hard braking? Is the low mileage discount for those who travel low miles such as under 10K. Do you lose the discount if you go above 10k? Response 1: RightTrack and Low Mileage Discount are telematics programs which offer a discount to customers based on how they drive. The customer can optionally enroll into these mutually exclusive telematics programs to receive an upfront discount of 5% and a potential for up to 30% for RightTrack or up to 15% sfor Low Mileage Discount based on our evaluation of the driving behaviors over a 90 day review period. Participation is free to the customer. The data that Liberty Mutual collects shall not affect policy cancellation, non‐ renewal, or a claim. Today, RightTrack is enabled by a self‐install OBD‐II device. The RightTrack discount is based on mileage,
time of day, rapid acceleration and hard braking behaviors. Speed is not used to determine a discount.
We collect GPS location in order to determine the time zone where the vehicle is driven.
Low Mileage Discount is enabled by an active OnStar subscription. The Low Mileage Discount is based on
mileage data only and no other data is collected. Low Mileage discount is available to all vehicles which
have an active OnStar subscription. There are no mileage requirements for this program and anyone
who is eligible to participate and completes the 90 day review period will receive at least a 5% discount.
Objection 2: We need more detail as to what you are doing. What information did you use to determine the right track group levels and low mileage group levels? What information did you use to determine the factors for each low mileage group level and for each right track group factor? Did you look at any studies? Response 2: The RightTrack Groups are determined by the mileage, time of day, rapid acceleration and hard braking driving behavior collected by the device. Each driving behavior component (mileage, time of day, rapid acceleration and hard braking) receives a factor that is based on a combination of verified mileage data analysis, research of driving behavior data and competitive positioning. These factors determine a final discount factor which ranges from 5% to 30%. This range of discounts was selected to make the program marketable and competitive. Several other insurance carriers use similar range of discounts in comparable usage‐based insurance programs. We have reviewed several industry studies showing that drivers who participate in a program like this and agree to share their driving data are considerably safer than average due to a combination of favorable self‐selection, behavior change, and improved risk segmentation. In addition, other insurance carriers have filed and implemented similar programs in the state.
Low Mileage Discount is a telematics program which offers a discount to customers based on how much they drive. The Low Mileage Groups are determined by annualized mileage. Each annualized mileage receives a factor that is based on a combination of verified mileage data analysis and competitive positioning. These factors determine a final discount which ranges from 5% to 15%. This range of discounts was selected to make the program marketable and competitive. Several other insurance carriers use similar range of discounts in comparable usage‐based insurance programs. We are happy to provide additional details upon request.