Filing at a Glancefiles.hawaii.gov/dcca/ins/insurers/rate_policy/hearing/Aipso_Filing_Hi_12-03.pdftor/primary factor to determine the combined rating factor. 6. Residual Bodily Injury

Filing at a Glance

Company: AIPSO

Product Name: Simplified Manual of Rules and Rates

State: Hawaii

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate/Rule

Date Submitted: 05/16/2012

SERFF Tr Num: APST-128367708

SERFF Status: Pending State Action

State Tr Num: 145178

State Status:

Co Tr Num: HI 12-03

Effective DateRequested (New):

Effective DateRequested (Renewal):

Author(s): Andrea Olson

Reviewer(s): Leah Dee (primary)

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: APST-128367708 State Tracking #: 145178 Company Tracking #: HI 12-03

State: Hawaii Filing Company: AIPSO

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)


Project Name/Number: /HI 12-03

PDF Pipeline for SERFF Tracking Number APST-128367708 Generated 04/01/2013 09:33 PM

General Information

Company and Contact

Filing Fees

Project Name: Status of Filing in Domicile:

Project Number: HI 12-03 Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 03/08/2013

State Status Changed: Deemer Date:

Created By: Andrea Olson Submitted By: Andrea Olson

Corresponding Filing Tracking Number:

Filing Description:

We propose a new simplified format of the Manual of Rules and Rates.

* Requesting an effective date of the first day of the sixth month following the date of your approval

Filing Contact InformationAndrea Olson, Senior Product Analyst [email protected]

302 Central Avenue

Johnston, RI 02919

800-827-6302 [Phone]

401-528-1351 [FAX]

Filing Company Information(This filing was made by a third party - aipso)

AIPSO

302 Central Avenue

Johnston, RI 02919

(401) 946-2310 ext. [Phone]

CoCode:

Group Code:

Group Name:

FEIN Number: 13-2732270

State of Domicile: RhodeIsland

Company Type:

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:







Correspondence Summary Objection Letters and Response LettersObjection Letters Response Letters

Status Created By Created On Date Submitted Responded By Created On Date Submitted

Abeyance Leah Dee 02/27/2013 02/27/2013 Andrea Olson 03/08/2013 03/08/2013




Filing NotesSubject Note Type Created By Created On Date Submitted

Last Received Date Note To Filer Hawaii PC API 03/09/2013 03/09/2013


Question Re: Obj 11.b Note To Filer Leah Dee 01/23/2013 01/23/2013

Question Regarding Objection 11.b Note To Reviewer Andrea Olson 01/23/2013 01/23/2013

RE: Follow Up Note To Filer Leah Dee 01/04/2013 01/04/2013

Follow Up Note To Reviewer Andrea Olson 01/02/2013 01/02/2013

Waiting Period Extended Note To Filer Leah Dee 10/26/2012 10/26/2012


Response Due Date Note To Reviewer Andrea Olson 08/31/2012 08/31/2012

Waiting Period Extended Note To Filer Leah Dee 07/27/2012 07/27/2012


Original Received Date Note To Filer Hawaii PC API 05/17/2012 05/17/2012

Signed Memo Reviewer Note Leah Dee 04/01/2013







Objection Letter Objection Letter Status Abeyance

Objection Letter Date 02/27/2013

Submitted Date 02/27/2013

Respond By Date 03/13/2013

Dear Andrea Olson,

Introduction: This will acknowledge receipt of the filing response submitted on 02/06/2013. Your attention is directed to the following:

Objection 1 - HI JUP Manual, All (G-1-G-6, P-1-P-14, R-1-R-8, C-1-C-36, CR-1-CR-4, C(PhD)-1-C(PhD)-12 (Rate)

Comments: COMMERCIAL AUTO RULE 92

PUBLIC TRANSPORTATION, PREMIUM DEVELOPMENT

Rule 92.B states, based on the highest rated territory in the USA where the public auto is operated. Please explain how this rule willbe applied if the highest rated territory in the USA is NOT Hawaii and provide examples to clarify.

Objection 2 - Response to Objection 10 (Supporting Document)

Comments: NEW AND REVISED COMMERCIAL AUTO RATING FACTORS

OTHER THAN PUBLIC AUTO CLASSIFICATIONS

In response to our request to provide supporting documentation for the new and revised rating factors, you referenced HIBCommercial Auto Filing 2002-03 and provided the Public Auto Classification rating factors from that filing. With respect to the newand revised Commercial Auto rating factors (other than public autos), please clarify whether the proposed factors are also from HIBCAF 2002-03. Otherwise, please provide supporting documentation.

Objection 3 Comments: CURRENTLY APPROVED HJUP LIGHT TRUCK OCN FACTORS

You represent that the proposed HJUP taxi, limo, van and public rates utilize the currently approved HJUP light truck OCN and agefactors. For our reference, please identify where the HJUP light truck OCN factors are provided in the current HJUP CommercialAuto Manual.

Objection 4 - Rate/Rating Factor Sidebysides (Supporting Document)

Comments: RATE AND RATING FACTOR SIDEBYSIDES

HI EXCEL 2

The font in the document, HI EXCEL 2, is difficult to read both on-screen and in print. As such, please submit an amended exhibitusing a larger font.


Comments: HI EXCEL 2.PDF

VAN POOL RATES

PAGE 1

You represent that the current van pool rates for RBI, PD, and PIP were recalculated and that these coverages should have beenrated using .50 of the other bus rate subject to a minimum of the commercial business use class rate. On page 1 of HI Excel 2.pdf,the note for Van Pool, PD Liability (Current)*** indicates that the current Van Pool rates are subject to the minimum of 1.40 multipliedby the commercial auto nonfleet base rates. For our reference, please identify the current HJUP Commercial Auto rules that wereused to calculate the current Van Pool rates for Liability coverages.








Comments: HI EXCEL 2.PDF

VAN POOL RATES

PAGE 17

Please review the proposed rates reflected for Van Pools, Over 60, as they appear to be inconsistent with the proposed rating factorsreflected in Rule 93.

Conclusion: Pending your response, this filing shall not be deemed complete or filed nor available for use.

Pursuant to Hawaii Revised Statutes §431:14-104(d), if the requested information is not received by the Respond By Date, the filingwill be returned as not filed and not available for use. To request an extension, please contact the Rate and Policy Analysis BranchManager, Colin Hayashida, at (808) 586-2809.

Sincerely,

Leah Dee











Dear Andrea Olson,


Objection 1 Comments: DISTRIBUTION OF INSUREDS:

The filing represents that the maximum proposed change is +99.4% and the minimum proposed change is -60.4%. If possible,please provide the distribution of insureds, based on a range of values, that will receive changes between the maximum andminimum proposed changes. For example, provide the percentage of insureds that will receive a change in premium from -10 to -1%, 0% to 20%, etc.


Comments: REDUCTION IN COVERAGE:

Please identify any proposed changes to the provisions in the filing rules that will reduce coverage and address the rate impact ofthese changes.


Comments: PRIVATE PASSENGER AUTO

ADJUSTMENTS

RULE 7.C, CHANGES

RULE 8, CANCELLATIONS

Proposed Rules 7 and 8 indicate that adjustments may be waived and that companies need not refund a return premium. Pleaseexplain how these provisions will apply and clarify how the use of the terms may and need not will not be unfairly discriminatory.


Comments: PRIVATE PASSENGER AUTO

RULE 25, INCREASED LIMITS

TABLE 1 (BI) AND TABLE 1A (PD)

ALL OTHER RISKS

a. For the application of increased limits factors, please identify the type of autos that are considered All Other Risks.

b. Please explain how the proposed Private Passenger rules make the distinction between All Other Risks and identify thecorresponding rule(s).


Comments: PRIVATE PASSENGER RULE 32, MOTOR HOMES

COMMERCIAL AUTO RULE 140, MOTOR HOMES

a. As both the Private Passenger and Commercial Auto Manuals include rules for Motor Homes, please explain how the two rules willapply.







apply.

b. Please explain how the rating manuals make the distinction between the application of Private Passenger Rule 32 and CommercialAuto Rule 140 and identify the corresponding rule(s).


Comments: OBJ

PRIVATE PASSENGER RULE 33, ANTIQUE AUTOS

COMMERCIAL AUTO RULE 141, ANTIQUE AUTOS

a. As both the Private Passenger and Commercial Auto Manuals include rules for Antique Autos, please explain how the two ruleswill apply.

b. Please explain how the rating manuals make the distinction between the application of Private Passenger Rule 33 and CommercialAuto Rule 141 and identify the corresponding rule(s).


Comments: COMMERCIAL AUTO

RULE 52, INCREASED LIMITS

The filing represents that the increased limits rule is amended to clarify that the limits of liability may be required by contract. As thisproposed change appears to broaden the HJUPs liability, please further clarify the purpose of this amendment and confirm that it isthe intent of the HJUP to provide higher limits that are not required by law.


Comments: COMMERCIAL AUTO

RULE 92, PUBLIC TRANSPORTATION, PREMIUM DEVELOPMENT

Rule 92.B states, based on the highest rated territory in the USA where the public auto is operated. Please explain the application ofthis rule and confirm it is your intent to reference the highest rated territory in the USA.


Comments: REFERENCES TO ENDORSEMENTS ADDED TO RULES

a. The filing represents that several rules have been amended to introduce references to the appropriate endorsement(s). Pleaseclarify whether these are new endorsements or whether they are currently used in the rating of HJUP policies.

b. As some of the endorsements are exclusionary, please address the rate impact of any added exclusions.

Objection 10 Comments: PROPOSED ADOPTION OF ISOS LATEST PUBLIC AUTO CLASSIFICATION PLAN

The filing represents that several of the revised rating factors are due to the proposed adoption of ISOs latest public autoclassification plan. ISO has not filed a public auto classification plan in Hawaii. As such, please clarify and identify the specific ratingorganization filing that you propose to adopt.


Comments: RATE/RATING FACTOR SIDEBYSIDES

a. COMMERCIAL AUTO RATING FACTOR CHANGES







Please provide supporting documentation for the new and revised factors.

b. PHYSICAL DAMAGE RATES

Please provide supporting documentation for the NEW physical damage rates.

c. TRUCKS, TRACTORS & TRAILERS

CURRENT FLEET PIP RATES (PAGE 1)

Please review the Current Truck, Tractors and Trailers rates for PIP (Fleet) reflected on page 1 of the Rate/Rating Factor SidebysideExhibit. The rates reflected on the exhibit appear to be inconsistent with the current rates in the HJUP manual effective January 1,1999. Please clarify or provide an amended exhibit.

d. VAN POOLS

CURRENT RBI LIABILITY RATES (PAGE 1)

Please explain how the Current Van Pool rates for RBI were calculated on page 1 of the Rate/Rating Factor Sidebyside Exhibit.

e. RULE 138, LEASING OR RENTAL CONCERNS

Please explain the proposed rating factor of 3.00 reflected on the Rate/Rating Factor Sidebyside Exhibit for PPT, Comp/Coll. Thisfactor appears to be inconsistent with the factors reflected in Rule 38.B.2.a.(2).

f. RULE 141 ANTIQUE AUTOS

Please explain why the proposed percent change for Antique Autos physical damage rates is reflected is NA.

g. COMMERCIAL AUTO PHYSICAL DAMAGE

Please clarify whether the Rate/Rating Factor Sidebyside Exhibit includes duplicate documentation for the Truck, Tractor and Trailerand Public Auto physical damage rate comparisons. It appears that pages 8-14 are the same as pages 15-21 of this document. Ifthe pages are not duplicates, please explain the difference.



Sincerely,

Leah Dee











Dear Andrea Olson,



Comments: Thank you for providing an exhibit that reflects the current, proposed and percent change for the rates and ratingfactors. Your response did not include supporting documentation for the proposed changes.

While some of the proposed rate changes are based on the calculated offsets, other proposed rates need additional supportingdocumentation. For example, as one rate is being proposed for Taxis and Limos, documentation must be provided to support theproposed rate. Please also be reminded to include documentation for the CPAI Rate of $975 reflected on page R-4. (If this rate isreflected in the current manual, please identify where it is located.)

Objection 2 - Side-by-side comparisons (Supporting Document)

Comments: Thank you for providing Exhibit A and the Side-by-Side Exhibits to identify the proposed changes to the HJUPPersonal Auto and Commercial Auto Manuals. Due to the extensive changes being proposed, please provide exhibits that are similarto the Side-by-Side exhibits that show the current and proposed manual with strikethroughs for deleted material and underlines fornew material. If there are no changes being proposed or a rule is being deleted, this can be stated in the Proposed column instead ofrepeating the same rule.

It should be noted that while the comments provided in Exhibit A are informative, they do not provide the specific changes beingproposed. For example, item G.4, Whole Dollar Premium, indicates that the rule is unchanged. However, a review of the proposedand current rules, show that there have been some changes to the language.

For any proposed changes to the rules that would restrict coverage, the premium impact must also be addressed.

For significant changes, please also include supporting documentation for the proposed change.

Objection 3 - Actuarial Support (Supporting Document)

Comments: You represent that the off-balance factors were applied to current rates to ensure revenue neutrality on the book ofbusiness and that the use of off-balance factors produce a 0% rate impact for the book of business but individual insureds mayreceive rate increases or decreases. If possible, please identify the maximum and minimum impact to policyholders that will resultfrom the proposed changes.


Comments: EXHIBIT B, SHEET 9 (Submitted on 06/29/2012):

It appears that the reference to Column (2) in the notes should be Column (3).

Objection 5







- HI JUP Manual, All (G-1-G-6, P-1-P-14, R-1-R-8, C-1-C-36, CR-1-CR-4, C(PhD)-1-C(PhD)-12 (Rate)

Comments: RATE PAGE CR-4

There are two rates reflected for each column in the UM and UIM tables. There is no identifier to distinguish between the two rates.Please amend this page to clarify the different rates.



Sincerely,

Leah Dee











Dear Andrea Olson,

Introduction: This will acknowledge receipt of the filing submitted on 05/16/2012. Your attention is directed to the following:

Objection 1 Comments: OVERALL RATE IMPACT

Please provide the rate impact for the filing.


Comments: OFF-BALANCE FACTORS (EXHIBIT B):

a. The Off-Balance Factors have not been addressed in the filing, please explain.

b. Please provide supporting documentation for the calculation of the proposed Off-Balance factors.

Objection 3 - Filing Cover Letter & Explanatory Memo (Supporting Document)

- Actuarial Support (Supporting Document)


Comments: Be advised that all proposed changes to rates and rating factors included in the revised HJUP rating manual mustbe specifically identified and supporting documentation must be provided. For the proposed rate and rating factor changes, pleasealso provide an exhibit(s) that reflects the current, proposed and percent change.


Comments: RULE 24. PRIVATE PASSENGER AUTO CLASSIFICATIONS

Please review Rule 24.A. as the first sentence appears to be incomplete.


Comments: RULE 52

Rule 52 includes Note 2 that refers to Rule 2 for factors for limits required by law that are not shown. If the limits are required by law,please explain why these factors would be individual risk rated instead of including the factor in the rating manual.

Conclusion: Once this information has been provided, we will continue our review of the filing.

Pending your response, this filing shall not be deemed complete or filed nor available for use.


Sincerely,

Leah Dee







Response Letter Response Letter Status Submitted to State

Response Letter Date 03/08/2013


Dear Leah Dee,

Introduction:

Response 1

Comments: Example:This risk is a taxicab risk with its headquarters in HI. It operates taxicabs in HI and WY. This risk is nonfleet and has requested liability limits of $100,000/300,000/50,000 andPIP coverage. The applicable operating territory for WY is 11 and it has intermediate operations.For the taxicab operating in HI, this auto would be rated out of the HI JUP Manual.For the taxicab operating in WY, the rate would be developed as follows (see WY manual pages attached): Base rate x primary classification factor x increased limits factor =premiumBI $1439 x 1.15 x 1.99 = $3293PD $1313 x 1.15 x 1.06 = $1601The PIP coverage would be rated from the HI JUP manual for all autos.

Related Objection 1 Applies To:


Comments: COMMERCIAL AUTO RULE 92PUBLIC TRANSPORTATION, PREMIUM DEVELOPMENTRule 92.B states, based on the highest rated territory in the USA where the public auto is operated. Please explain how this rule will be applied if the highest rated territory inthe USA is NOT Hawaii and provide examples to clarify.

Changed Items:







Supporting Document Schedule Item Changes

Satisfied - Item: Response to 2/27/13 InquiriesComments:

Attachment(s):WY Manual Pages.pdf

2-27-13 objection #3.pdf

Objection 2 031313.pdf

No Form Schedule items changed.

No Rate/Rule Schedule items changed.

Response 2

Comments: The commercial auto rating factors (other than public autos) did not change from those in the current HJUP manual. However, we did add a new classification foramusement devices in proposed Rule 73. That rating factor of 1.60 comes from HIB Commercial Auto Filing 2005-03. Please see attached Objection 2 031313.


- Response to Objection 10 (Supporting Document)

Comments: NEW AND REVISED COMMERCIAL AUTO RATING FACTORSOTHER THAN PUBLIC AUTO CLASSIFICATIONSIn response to our request to provide supporting documentation for the new and revised rating factors, you referenced HIB Commercial Auto Filing 2002-03 and provided thePublic Auto Classification rating factors from that filing. With respect to the new and revised Commercial Auto rating factors (other than public autos), please clarify whether theproposed factors are also from HIB CAF 2002-03. Otherwise, please provide supporting documentation.

Changed Items:














Response 3

Comments: One of the many reasons for the simplified manual project was that the current HJUP Light Truck OCN and age factors are not expressed in a table form, but exist inthe relationships found in the current rate table.

To determine the age factors, we looked at the ratio, in each OCN group, of a certain age rate relative to its age 1 rate. To determine the OCN factor we looked at the ratio oflike age groups to the base $4,501-6,000 OCN group. Attached Objection #3 exhibit shows the results of this analysis.

Related Objection 3 Comments: CURRENTLY APPROVED HJUP LIGHT TRUCK OCN FACTORSYou represent that the proposed HJUP taxi, limo, van and public rates utilize the currently approved HJUP light truck OCN and age factors. For our reference, please identifywhere the HJUP light truck OCN factors are provided in the current HJUP Commercial Auto Manual.

Changed Items:








Response 4

Comments: Sorry. I have increased the font size. See attached.

Related Objection 4







Applies To:

- Rate/Rating Factor Sidebysides (Supporting Document)

Comments: RATE AND RATING FACTOR SIDEBYSIDESHI EXCEL 2The font in the document, HI EXCEL 2, is difficult to read both on-screen and in print. As such, please submit an amended exhibit using a larger font.

Changed Items:


Satisfied - Item: Rate/Rating Factor Sidebysides

Comments: Revised Exhibit Attached. Please see Objection Responses.

Attachment(s): HI Excel 2 Revised 03-08-2013.pdf

Previous Version



Attachment(s): HI Excel 2.pdf

Previous Version

Satisfied - Item: Rate/Rating Factor SidebysidesComments:

Attachment(s): HI Excel.pdf



Response 5

Comments:







Rule 46 of the current HJUP Manual tells the rater to determine the applicable rate classification from the Use Classifications Rule. Rule 47.G.9.b tells the rater to use50% of the bus rate (page CR-2; assumption: 0-12 passengers) subject to a minimum of the commercial business use class rate. To develop this minimum rate, the raterwould refer to page CR-1 of the manual to determine the rate (assumption: nonfleet risk). The rater would multiply the base rate on the rate pages by the primary classificationfor commercial business use (assumption: light truck) outlined in Rule 33.A.2 (1.40). According to Rule 33.B, this type of risk would have the secondary classification of all otherand no secondary rating factor would apply.



Comments: HI EXCEL 2.PDFVAN POOL RATESPAGE 1You represent that the current van pool rates for RBI, PD, and PIP were recalculated and that these coverages should have been rated using .50 of the other bus rate subject toa minimum of the commercial business use class rate. On page 1 of HI Excel 2.pdf, the note for Van Pool, PD Liability (Current)*** indicates that the current Van Pool rates aresubject to the minimum of 1.40 multiplied by the commercial auto nonfleet base rates. For our reference, please identify the current HJUP Commercial Auto rules that wereused to calculate the current Van Pool rates for Liability coverages.

Changed Items:











Previous Version




Previous Version





Response 6

Comments: Sorry for the error. I have corrected the factors and highlighted in yellow for your review. See attached.



Comments: HI EXCEL 2.PDFVAN POOL RATESPAGE 17Please review the proposed rates reflected for Van Pools, Over 60, as they appear to be inconsistent with the proposed rating factors reflected in Rule 93.

Changed Items:











Previous Version




Previous Version





Conclusion:

Sincerely,

Andrea Olson










Dear Leah Dee,

Introduction:

Response 1

Comments: Please see attached Objection 1 response.

Related Objection 1 Comments: DISTRIBUTION OF INSUREDS:The filing represents that the maximum proposed change is +99.4% and the minimum proposed change is -60.4%. If possible, please provide the distribution of insureds,based on a range of values, that will receive changes between the maximum and minimum proposed changes. For example, provide the percentage of insureds that willreceive a change in premium from -10 to -1%, 0% to 20%, etc.

Changed Items:


Satisfied - Item: Response to Objection 1Comments:

Attachment(s): Objection 1.pdf



Response 2

Comments: There are no proposed changes in this manual that will reduce coverage.









Comments: REDUCTION IN COVERAGE:Please identify any proposed changes to the provisions in the filing rules that will reduce coverage and address the rate impact of these changes.

Changed Items:

No Supporting Documents changed.



Response 3

Comments: The Changes Rule is the same as the currently approved Changes Rules (Rule 9 in the Private Passenger Manual and Rule 3 of the Commercial Auto Manual). Onlygrammatical changes and changes for ease of reading have been made.

The Cancellations Rule is the same as the currently approved commercial auto Cancellations Rule (Rule 4 of the Commercial Auto Manual). Only grammatical changes, aclarification change, and changes to update the pro rata example, and the introduction of a pro rata table have been made. The proposed changes will not result in any changein the way servicing carriers are currently handling cancellations.

Current Rule 10 in the Private Passenger Manual merely states that if a policy is cancelled, the return premium will be computed pro rata. The currently approved commercialauto provisions were incorporated into the proposed rule to apply to private passenger autos for consistency.



Comments: PRIVATE PASSENGER AUTOADJUSTMENTSRULE 7.C, CHANGESRULE 8, CANCELLATIONSProposed Rules 7 and 8 indicate that adjustments may be waived and that companies need not refund a return premium. Please explain how these provisions will apply andclarify how the use of the terms may and need not will not be unfairly discriminatory.

Changed Items:










Response 4

Comments: a. All other risks are considered named nonowner, motor homes, and antique autos (i.e., anything other than a private passenger auto based on the proposeddefinition in Rule 20.A).b. Proposed Rule 20 defines private passenger autos and all other types of private passenger risks.



Comments: PRIVATE PASSENGER AUTORULE 25, INCREASED LIMITSTABLE 1 (BI) AND TABLE 1A (PD)ALL OTHER RISKSa. For the application of increased limits factors, please identify the type of autos that are considered All Other Risks.

b. Please explain how the proposed Private Passenger rules make the distinction between All Other Risks and identify the corresponding rule(s).

Changed Items:




Response 5

Comments: a. If a motor home is submitted on a private passenger application (i.e., owned by an individual, husband and wife, or parties who have entered into a civil union andused for pleasure or driving to or from work), proposed Rule 32 would be used. If a motor home is submitted on a commercial auto application (i.e., owned by other than anindividual, husband and wife, or parties who have entered into a civil union or used for business purposes), then Rule 140 would be used.b. The servicing carrier will submit the risk on either a private passenger auto or a commercial auto application and that will determine the rating for the risk.









Comments: PRIVATE PASSENGER RULE 32, MOTOR HOMESCOMMERCIAL AUTO RULE 140, MOTOR HOMESa. As both the Private Passenger and Commercial Auto Manuals include rules for Motor Homes, please explain how the two rules will apply.

b. Please explain how the rating manuals make the distinction between the application of Private Passenger Rule 32 and Commercial Auto Rule 140 and identify thecorresponding rule(s).

Changed Items:




Response 6

Comments: Please see response to objection 5.



Comments: OBJPRIVATE PASSENGER RULE 33, ANTIQUE AUTOSCOMMERCIAL AUTO RULE 141, ANTIQUE AUTOSa. As both the Private Passenger and Commercial Auto Manuals include rules for Antique Autos, please explain how the two rules will apply.

b. Please explain how the rating manuals make the distinction between the application of Private Passenger Rule 33 and Commercial Auto Rule 141 and identify thecorresponding rule(s).

Changed Items:










Response 7

Comments: When the manual was being developed the servicing carriers indicated that they have been providing the increased limits if the insured has a contract requiring thoselimits. They requested that language be added to the manual for these situations. If you do not feel that this is appropriate for the HJUP, please advise and we can ask theservicing carriers to reevaluate their request.



Comments: COMMERCIAL AUTORULE 52, INCREASED LIMITSThe filing represents that the increased limits rule is amended to clarify that the limits of liability may be required by contract. As this proposed change appears to broaden theHJUPs liability, please further clarify the purpose of this amendment and confirm that it is the intent of the HJUP to provide higher limits that are not required by law.

Changed Items:




Response 8

Comments: It is our intent to reference the highest rated territory in the USA. This is language that we use in our manuals. We felt that it was appropriate for use in Hawaii eventhough the autos would most likely be operated exclusively in Hawaii. If you are opposed to the language, in the USA then we can remove the language.



Comments: COMMERCIAL AUTORULE 92, PUBLIC TRANSPORTATION, PREMIUM DEVELOPMENTRule 92.B states, based on the highest rated territory in the USA where the public auto is operated. Please explain the application of this rule and confirm it is your intent toreference the highest rated territory in the USA.

Changed Items:










Response 9

Comments: a. The endorsements referenced are not new. They are currently used by the HJUP servicing carriers for HJUP risks.b. AIPSO does not file any endorsements on behalf of the HJUP. The servicing carriers use their own endorsements. Again, the referenced endorsements are not new andthey are currently being utilized by servicing carriers.



Comments: REFERENCES TO ENDORSEMENTS ADDED TO RULESa. The filing represents that several rules have been amended to introduce references to the appropriate endorsement(s). Please clarify whether these are new endorsementsor whether they are currently used in the rating of HJUP policies.

b. As some of the endorsements are exclusionary, please address the rate impact of any added exclusions.

Changed Items:




Response 10

Comments: The attached pdf contains the cover sheet and referenced public auto classification plan that we are proposing adoption of. Although the class plan references ISO,the filing was actually made by the Hawaii Insurance Bureau. Therefore, the specific rating organization filing that we propose to adopt would be HIB.

Related Objection 10 Comments: PROPOSED ADOPTION OF ISOS LATEST PUBLIC AUTO CLASSIFICATION PLANThe filing represents that several of the revised rating factors are due to the proposed adoption of ISOs latest public auto classification plan. ISO has not filed a public autoclassification plan in Hawaii. As such, please clarify and identify the specific rating organization filing that you propose to adopt.

Changed Items:









Attachment(s): Objection 10 public auto.pdf



Response 11

Comments: a. Please see response to objection 10b. Please see Objection 11.b response.c. Please see revised Rate/Rating Factor Side-by-side Exhibit. The amended exhibit displays the current HJUP rates effective January 1, 1999. I have highlighted these and allof the following changes in yellow for your ease of review.d. The current van pool rates for RBI, PD, and PIP have been recalculated. Please see revised Rate/Rating Factor Side-by-side Exhibit. These coverages should have beenrated using .50 of the other bus rate subject to a minimum of the commercial business use class rate.e. Please see revised Rate/Rating Factor Side-by-side Exhibit. The amended exhibit displays the proposed rating factors contained in Rule 138.B.2.a.(2).f. This was listed as NA because the rates were displayed as a dollar amount per $100 of insurance and not as a factor like the rest of the rules. The % Change column hasbeen amended to reflect the decrease in the rate per $100 of insurance.g. You are correct. Pages 15-21 are duplicates of pages 8-14. I inadvertently stitched the truck and public auto physical damage pages into the pdf file twice. Sorry. Pleasesee revised Rate/Rating Factor Side-by-side Exhibit.









Comments: RATE/RATING FACTOR SIDEBYSIDESa. COMMERCIAL AUTO RATING FACTOR CHANGESPlease provide supporting documentation for the new and revised factors.

b. PHYSICAL DAMAGE RATESPlease provide supporting documentation for the NEW physical damage rates.

c. TRUCKS, TRACTORS & TRAILERSCURRENT FLEET PIP RATES (PAGE 1)Please review the Current Truck, Tractors and Trailers rates for PIP (Fleet) reflected on page 1 of the Rate/Rating Factor Sidebyside Exhibit. The rates reflected on the exhibitappear to be inconsistent with the current rates in the HJUP manual effective January 1, 1999. Please clarify or provide an amended exhibit.

d. VAN POOLSCURRENT RBI LIABILITY RATES (PAGE 1)Please explain how the Current Van Pool rates for RBI were calculated on page 1 of the Rate/Rating Factor Sidebyside Exhibit.

e. RULE 138, LEASING OR RENTAL CONCERNSPlease explain the proposed rating factor of 3.00 reflected on the Rate/Rating Factor Sidebyside Exhibit for PPT, Comp/Coll. This factor appears to be inconsistent with thefactors reflected in Rule 38.B.2.a.(2).

f. RULE 141 ANTIQUE AUTOSPlease explain why the proposed percent change for Antique Autos physical damage rates is reflected is NA.

g. COMMERCIAL AUTO PHYSICAL DAMAGEPlease clarify whether the Rate/Rating Factor Sidebyside Exhibit includes duplicate documentation for the Truck, Tractor and Trailer and Public Auto physical damage ratecomparisons. It appears that pages 8-14 are the same as pages 15-21 of this document. If the pages are not duplicates, please explain the difference.

Changed Items:











Previous Version



Satisfied - Item: Response to Objection 11.bComments:

Attachment(s): Objection 11b.pdf





Previous Version




Attachment(s): Objection 11b.pdf









Conclusion: I hope with this additional explanation and revised exhbits that you are now in a position to approve our filing.

Sincerely,

Andrea Olson










Dear Leah Dee,

Introduction:

Response 1

Comments: Private Passenger Rates: There is no change to the private passenger rates. All rates in the proposed private passenger auto rate chapter (R-1 through R-8) areidentical to those contained in the current HJUP manual on pages A-1 through A-3 and R-4. The CPAI rate of $975 in in the currently approved JUP manual and remainsunchanged (see current pageA-1).Commercial Rates on proposed pages CR-3 and CR-4:oTrucks see attached Amended Exhibit B, Sheet 1.oPrivate Passenger Types see attached Exhibit B, Sheet 2. Please note the entire Exhibit B from the 6/29/12 submission is reattached here for your reference.oVan Pools The van pool classification is being introduced with the proposed adoption of ISOs latest public auto classification plan. Thus, as shown in Exhibit B, Sheet 6, theinitial van pool rates are being calculated as ISO currently calculates them. Specifically, they are derived from the truck rates. There may be certain risks from the currentHJUP manual that are no longer specifically identified but may fall into the van pool classification. For example, the limited passenger service bus definition contained oncurrent page C-17 is very comparable to the proposed van pool definition contained on proposed manual page C-24.oTaxis and Limos The differentiation between taxi and limo rates is now contained in the public auto classification table contained in proposed rule 93. Since the taxi classreceives the 1.00 relativity, the proposed rates on page CR-3 are derived based upon the current public livery (i.e., taxicab) rates on current manual page CR-2.oSchool and Church Buses Due to the proposed adoption of ISOs latest public auto classification plan, school and church buses are differentiated via classification relativitiesas opposed to separate base rates. Since the proposed church bus class receives the 1.00 relativity, the proposed rates on page CR-3 are derived based upon the currentchurch bus rates. Please note that according to the current HJUP manual, a church bus is rated as a school bus. Hence, as shown on attached Exhibit B, Sheet 4, theproposed rates are based upon the current HJUP 0-30 passenger school bus rates.oOther Buses Due to the proposed adoption of ISOs latest public auto classification plan, the seating capacity is accounted for via classification factors contained on proposedmanual page C-28. The proposed other bus rates continue to use the current HJUP other bus 0-12 passenger rates as a base.oUninsured Motorists See attached revised proposed manual page CR-4. There is no change to the Uninsured and Underinsured Motorists rates. They are contained in thecurrent HJUP manual on pages CR-1 and CR-2.









Comments: Thank you for providing an exhibit that reflects the current, proposed and percent change for the rates and rating factors. Your response did not includesupporting documentation for the proposed changes.

While some of the proposed rate changes are based on the calculated offsets, other proposed rates need additional supporting documentation. For example, as one rate isbeing proposed for Taxis and Limos, documentation must be provided to support the proposed rate. Please also be reminded to include documentation for the CPAI Rate of$975 reflected on page R-4. (If this rate is reflected in the current manual, please identify where it is located.)

Changed Items:


Satisfied - Item: Actuarial SupportComments:

Attachment(s): HI_TD rates_submitted 090612.pdf

Previous Version


Attachment(s): HI_TD rates.pdf

HI_EXB with Off-Balance Calculations.pdf

Previous Version





Response 2

Comments: See attached strike through and underscore exhibit.

Related Objection 2







Applies To:

- Side-by-side comparisons (Supporting Document)

Comments: Thank you for providing Exhibit A and the Side-by-Side Exhibits to identify the proposed changes to the HJUP Personal Auto and Commercial Auto Manuals.Due to the extensive changes being proposed, please provide exhibits that are similar to the Side-by-Side exhibits that show the current and proposed manual withstrikethroughs for deleted material and underlines for new material. If there are no changes being proposed or a rule is being deleted, this can be stated in the Proposedcolumn instead of repeating the same rule.

It should be noted that while the comments provided in Exhibit A are informative, they do not provide the specific changes being proposed. For example, item G.4, Whole DollarPremium, indicates that the rule is unchanged. However, a review of the proposed and current rules, show that there have been some changes to the language.

For any proposed changes to the rules that would restrict coverage, the premium impact must also be addressed.

For significant changes, please also include supporting documentation for the proposed change.

Changed Items:


Satisfied - Item: Strike through and underscore version of proposed manualComments:

Attachment(s): HJUPManual S-T 9-26-2012.pdf



Response 3

Comments: Of the policyholders that we were able to re-rate, the following 2 risks (both with Island) had the largest variations in their rates. Both of the risks were liability onlypolicies and were rated as Other Buses

Max: +99.4% sightseeing/charter, 15 capacity, fleet, territory 5.Min: -60.4% Apt/hotel/cemetery, 5 capacity, non-fleet, territory 3.









Comments: You represent that the off-balance factors were applied to current rates to ensure revenue neutrality on the book of business and that the use of off-balancefactors produce a 0% rate impact for the book of business but individual insureds may receive rate increases or decreases. If possible, please identify the maximum andminimum impact to policyholders that will result from the proposed changes.

Changed Items:




Previous Version




Previous Version





Response 4

Comments: Amended Exhibit B, Sheet 9 is attached to display the correct note.









Comments: EXHIBIT B, SHEET 9 (Submitted on 06/29/2012):It appears that the reference to Column (2) in the notes should be Column (3).

Changed Items:




Previous Version




Previous Version





Response 5

Comments: Thanks for catching this. I have attached an amended manual with the corrected UM/UIM rates. These are the currently approved JUP rates found on pages CR-1and CR-2 of the manual.









Comments: RATE PAGE CR-4There are two rates reflected for each column in the UM and UIM tables. There is no identifier to distinguish between the two rates. Please amend this page to clarify thedifferent rates.

Changed Items:








Satisfied - Item: Filing Cover Letter & Explanatory Memo

Comments: This draft has been amended to correctly display the UM and UIM rates for commercial autos risks on page CR-4 based on your

objection 5. These track the rates in the current JUP manual.

Attachment(s): HJUPManualamended9-26-2012.pdf

Previous Version


Comments:

This draft has been amended to:

include the changes that were recently approved under AIPSO Filing No. 12-02 (1989 and prior model years) effective 8/1/2012.

revise Rule 23.B.8 and the PIP Rating worksheet for private passenger autos to clarify the calculation of the PIP deductible

credit.

revise Rule 24 to move the 2nd paragraph under the table.

correct an incorrect factor in the primary classifications table in Rule 73 for fleet service trailers.

add UM & UIM rates for public autos which are the same as the current rates and inadvertently ommitted from our first draft.

Attachment(s):HI 12-03.pdf

ExplanatoryMemo05-16-12.pdf

HJUPManualamended6-29-2012.pdf

Previous Version

Satisfied - Item: Filing Cover Letter & Explanatory MemoComments:

Attachment(s): HI 12-03.pdf




Conclusion:







I hope that with this additional information you will now be in a position to approve this filing as amended.

Sincerely,

Andrea Olson










Dear Leah Dee,

Introduction:

Response 1

Comments: There is no rate impact for the filing. The use of off-balance factors has produced a revenue neutral rate filing so there is no overall rate level impact by subline.

Related Objection 1 Comments: OVERALL RATE IMPACTPlease provide the rate impact for the filing.

Changed Items:




Response 2

Comments: a.Off-balance factors were utilized in the filing to apply to the current rates and ensure revenue neutrality with the updating of commercial business classifications andrating factors. To do this, AIPSO requested the HJUP servicing carriers submit their in-force book of business detail level data as of March 31, 2011. This data contained policylevel detail (class code & risk description) and enabled AIPSO to rerate the commercial auto vehicles utilizing the proposed rating factors and classifications. The sum of the re-rated premiums were then compared to the current sum of premiums and off-balance factors were calculated by subline and coverage. These off-balance factors were thenapplied to the current rates to ensure revenue neutrality on the book of business. It must be noted that the use of off-balance factors produce a 0% rate impact for the book ofbusiness but individual insureds may receive rate increases or decreases.b.Attached Revised Exhibit B contains supporting information for the calculation of the proposed off-balance factors.









Comments: OFF-BALANCE FACTORS (EXHIBIT B):a. The Off-Balance Factors have not been addressed in the filing, please explain.b. Please provide supporting documentation for the calculation of the proposed Off-Balance factors.

Changed Items:





Previous Version





Response 3

Comments: Exhibit Provided.



- Filing Cover Letter & Explanatory Memo (Supporting Document)


Comments: Be advised that all proposed changes to rates and rating factors included in the revised HJUP rating manual must be specifically identified and supportingdocumentation must be provided. For the proposed rate and rating factor changes, please also provide an exhibit(s) that reflects the current, proposed and percent change.

Changed Items:












Response 4

Comments: I have moved the second paragraph under the table so that the first paragraph refers to the table and is not incomplete.



Comments: RULE 24. PRIVATE PASSENGER AUTO CLASSIFICATIONSPlease review Rule 24.A. as the first sentence appears to be incomplete.

Changed Items:









Comments:

This draft has been amended to:

include the changes that were recently approved under AIPSO Filing No. 12-02 (1989 and prior model years) effective 8/1/2012.

revise Rule 23.B.8 and the PIP Rating worksheet for private passenger autos to clarify the calculation of the PIP deductible

credit.

revise Rule 24 to move the 2nd paragraph under the table.

correct an incorrect factor in the primary classifications table in Rule 73 for fleet service trailers.

add UM & UIM rates for public autos which are the same as the current rates and inadvertently ommitted from our first draft.

Attachment(s):HI 12-03.pdf



Previous Version

Satisfied - Item: Filing Cover Letter & Explanatory MemoComments:

Attachment(s): HI 12-03.pdf




Response 5

Comments: We have included all known limits required by law. We include this language on a countrywide basis to indicate that if a limit is required by law and there is noincreased limit factor displayed in the manual, the limit must still be given to the insured. This would occur if new legislation passed mandating a certain limit with an immediateeffective date. When we receive notification of the law, we would make a filing to include the limit in the manual.









Comments: RULE 52Rule 52 includes Note 2 that refers to Rule 2 for factors for limits required by law that are not shown. If the limits are required by law, please explain why these factors would beindividual risk rated instead of including the factor in the rating manual.

Changed Items:




Conclusion: We hope that with this additional information that you will be in a position to approve our filing as amended.

Sincerely,

Andrea Olson







Note To Filer

Created By:

Hawaii PC API on 03/09/2013 11:23 AM

Last Edited By:

Hawaii PC API

Submitted On:

03/09/2013 11:23 AM

Subject:

Last Received Date

Comments:

03-08-2013 is the filed date for the purpose of any statutory waiting period.







Note To Filer

Created By:

Hawaii PC API on 02/07/2013 11:22 AM

Last Edited By:

Hawaii PC API

Submitted On:

02/07/2013 11:22 AM

Subject:

Last Received Date

Comments:








Note To Filer

Created By:

Leah Dee on 01/23/2013 05:04 PM

Last Edited By:

Leah Dee

Submitted On:

01/23/2013 05:05 PM

Subject:

Question Re: Obj 11.b

Comments:

Please refer to the exhibit labeled “HI Excel.pdf” in the “Rate/Rating Factor Sidebysides” section. There are severalComprehensive and Collision rates that do not reflect “current” rates. We are asking for supporting documentation for theseproposed rates.Page 4: PPT ($100 Ded Comprehensive)Pages 6-7: PPT ($250 Ded Collision)

We acknowledge that the notes for the following pages indicate how the current rates are calculated. However, we are askingfor documentation to support the PROPOSED rates as there is a change in how these vehicles will be rated.Page 13: Taxis, Limo’s, Vans (Comprehensive/Collision rates for OCN)Page 14: All Buses (Comprehensive/Collision rates for OCN)Pages 20-21: (These pages appear to duplicate pages 13 and 14)







Note To Reviewer

Created By:

Andrea Olson on 01/23/2013 10:02 AM

Last Edited By:

Andrea Olson

Submitted On:

01/23/2013 10:02 AM

Subject:

Question Regarding Objection 11.b

Comments:

Objection:Physical Damage Rates

Please Provide supporting documentation for the NEW physical damage rates.

Could you please clarify which physical damage rates you are referring to? Our Exhibit B, sheets 7-9 outline the ratecalculation for physical damage.

Thanks.Andrea Olson







Note To Filer

Created By:

Leah Dee on 01/04/2013 09:04 PM

Last Edited By:

Leah Dee

Submitted On:

01/04/2013 09:04 PM

Subject:

RE: Follow Up

Comments:

We plan to complete our review of the marked copies by the end of next week.







Note To Reviewer

Created By:

Andrea Olson on 01/02/2013 01:53 PM

Last Edited By:

Andrea Olson

Submitted On:

01/02/2013 01:53 PM

Subject:

Follow Up

Comments:

Could you please provide an updated status of your review of this filing?

Thank you.







Note To Filer

Created By:

Leah Dee on 10/26/2012 08:49 PM

Last Edited By:

Leah Dee

Submitted On:

10/26/2012 08:49 PM

Subject:

Waiting Period Extended

Comments:

In accordance with §431:14-104(j), Hawaii Revised Statutes, the waiting period for the captioned filing is extended fifteen days.







Note To Filer

Created By:

Hawaii PC API on 09/27/2012 12:23 PM

Last Edited By:

Hawaii PC API

Submitted On:

09/27/2012 12:23 PM

Subject:

Last Received Date

Comments:








Note To Reviewer

Created By:

Andrea Olson on 08/31/2012 03:05 PM

Last Edited By:

Andrea Olson

Submitted On:

08/31/2012 03:05 PM

Subject:

Response Due Date

Comments:

Dear Ms. Dee

I left a message at the telephone number provided in the objection letter. I am requesting an extension for response to thisobjection. The strike-through and underscore version of the manual is taking quite a long time to develop. In addition, theactuaries could use some more time to put together their response. Therefore, I am requesting an extension until October 5,2012. If any of the information is completed sooner, I will submit it to you via SERFF.

Please let me know if this is agreeable.

Thank you for your consideration.







Note To Filer

Created By:

Leah Dee on 07/27/2012 05:13 PM

Last Edited By:

Leah Dee

Submitted On:

07/27/2012 05:13 PM

Subject:

Waiting Period Extended

Comments:

In accordance with §431:14-104(j), Hawaii Revised Statutes, the waiting period for the captioned filing is extended fifteen days.







Note To Filer

Created By:


Last Edited By:

Hawaii PC API

Submitted On:

06/30/2012 12:26 PM

Subject:

Last Received Date

Comments:








Note To Filer

Created By:


Last Edited By:

Hawaii PC API

Submitted On:

05/17/2012 12:36 PM

Subject:

Original Received Date

Comments:








Reviewer Note

Created By:

Leah Dee on 04/01/2013 09:11 PM

Last Edited By:

Leah Dee

Submitted On:

04/01/2013 09:12 PM

Subject:

Signed Memo

Comments:

See attached.







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments

1 HI JUP Manual All (G-1-G-6, P-1-P-14, R-1-

R-8, C-1-C-36, CR-1-CR-4,

C(PhD)-1-C(PhD)-12

Replacement HJUPManual.pdf







All rights reserved. This Manual or any part thereof may NOT be reproduced in any form or by any means without the written permission of AIPSO. © 1988–2012 AIPSO

HAWAII

JOINT UNDERWRITING

PLAN MANUAL May 16, 2012 Draft

The rules, classifications, territories, rates, and additional charges applicable to automobile risks insured in accordance with the provisions of the Hawaii Joint Underwriting Plan are contained herein.

This manual includes copyrighted materials of ISO and HIB, Inc. with permission.

Material used in this Manual that is copyrighted by ISO is with the permission and under license granted by the copyright proprietors.

Distributed by

AIPSO


NOTES

HAWAII JOINT UNDERWRITING PLAN MANUAL

i May 16, 2012 Draft


TABLE OF CONTENTS

GENERAL RULES CHAPTER ................................................................................................................................................ G-1 Rule 1. PREMIUM DEVELOPMENT ............................................................................................................................... G-3 Rule 2. CLASSIFICATION OF RISKS NOT SPECIFICALLY INCLUDED IN THIS MANUAL ......................................... G-3 Rule 3. CERTIFIED RISKS—FINANCIAL RESPONSIBILITY LAWS ............................................................................. G-3 Rule 4. WHOLE DOLLAR PREMIUM ............................................................................................................................. G-3 Rule 5. MINIMUM POLICY PREMIUM ............................................................................................................................ G-3 Rule 6. POLICY PERIOD ................................................................................................................................................ G-3 Rule 7. CHANGES .......................................................................................................................................................... G-4 Rule 8. CANCELLATIONS .............................................................................................................................................. G-4 Rule 19. TERRITORIES .................................................................................................................................................... G-6 PRIVATE PASSENGER CHAPTER ........................................................................................................................................ P-1 Rule 20. DEFINITIONS ..................................................................................................................................................... P-3 Rule 21. ELIGIBILITY ........................................................................................................................................................ P-3 Rule 22. PERSONAL AUTO POLICY ELIGIBILITY .......................................................................................................... P-4 Rule 23. PREMIUM DEVELOPMENT ............................................................................................................................... P-5 Rule 24. PRIVATE PASSENGER AUTO CLASSIFICATIONS ......................................................................................... P-6 Rule 25. INCREASED LIMITS .......................................................................................................................................... P-7 Rule 26. SAFE DRIVER INSURANCE PLAN (SDIP) ........................................................................................................ P-7 Rule 27. UNINSURED AND UNDERINSURED MOTORISTS COVERAGES ................................................................ P-10 Rule 28. PERSONAL INJURY PROTECTION AND OPTIONAL BENEFITS COVERAGES .......................................... P-10 Rule 29. DEDUCTIBLE INSURANCE ............................................................................................................................. P-11 Rule 30. NAMED NONOWNER ...................................................................................................................................... P-11 Rule 31. RECREATIONAL TRAILERS AND CAMPER BODIES .................................................................................... P-12 Rule 32. MOTOR HOMES .............................................................................................................................................. P-12 Rule 33. ANTIQUE AUTOS ............................................................................................................................................ P-12 PRIVATE PASSENGER LIABILITY COVERAGE RATING WORKSHEET .......................................................................... P-14 PRIVATE PASSENGER AUTO RATE CHAPTER .................................................................................................................. R-1

PRIVATE PASSENGER PHYSICAL DAMAGE COVERAGE RATING WORKSHEET .................................................... R–3

RESIDUAL BODILY INJURY LIABILITY AND PROPERTY DAMAGE AND PIP BASE RATES ..................................... R–4

UNINSURED AND UNDERINSURED MOTORISTS COVERAGE RATES .................................................................... R–4

PHYSICAL DAMAGE BASE RATES ............................................................................................................................... R–4

CLASS FACTORS/PRIMARY RATING FACTORS ......................................................................................................... R–5

MODEL YEAR FACTORS ............................................................................................................................................... R–5

SYMBOL FACTORS ........................................................................................................................................................ R–6

COMMERCIAL AUTO CHAPTERS ......................................................................................................................................... C-1 COMMERCIAL GENERAL RULES CHAPTER ....................................................................................................................... C-3 Rule 51. PREMIUM DEVELOPMENT ............................................................................................................................... C-3 Rule 52. INCREASED LIMITS .......................................................................................................................................... C-3 Rule 53. ADDITIONAL CHARGES .................................................................................................................................... C-4 Rule 54. EXPERIENCE RATING ...................................................................................................................................... C-6 Rule 55. UNINSURED AND UNDERINSURED MOTORISTS COVERAGES ................................................................ C-10 Rule 56. AGE GROUP .................................................................................................................................................... C-10 Rule 57. DEDUCTIBLE INSURANCE ............................................................................................................................. C-11


May 16, 2012 Draft ii


TRUCKS, TRACTORS, AND TRAILERS CHAPTER ............................................................................................................ C-13 Rule 71. ELIGIBILITY ...................................................................................................................................................... C-13 Rule 72. PREMIUM DEVELOPMENT ............................................................................................................................. C-13 Rule 73. TRUCKS, TRACTORS, AND TRAILERS CLASSIFICATIONS ......................................................................... C-13 Rule 74. TRUCKERS ...................................................................................................................................................... C-17 TRUCKS, TRACTORS, AND TRAILERS WORKSHEET ...................................................................................................... C-19 PRIVATE PASSENGER TYPES CHAPTER ......................................................................................................................... C-21 Rule 81. ELIGIBILITY ...................................................................................................................................................... C-21 Rule 82. PREMIUM DEVELOPMENT ............................................................................................................................. C-21 PUBLIC TRANSPORTATION CHAPTER ............................................................................................................................. C-23 Rule 91. ELIGIBILITY ...................................................................................................................................................... C-23 Rule 92. PREMIUM DEVELOPMENT ............................................................................................................................. C-23 Rule 93. PUBLIC AUTO CLASSIFICATIONS ................................................................................................................. C-23 PUBLIC TRANSPORTATION AUTOS WORKSHEET .......................................................................................................... C-29 SPECIAL TYPES AND OPERATIONS CHAPTER ............................................................................................................... C-31 Rule 131. ELIGIBILITY ...................................................................................................................................................... C-31 Rule 132. PREMIUM DEVELOPMENT ............................................................................................................................. C-31 Rule 133. AMBULANCE SERVICES ................................................................................................................................ C-31 Rule 134. DRIVER TRAINING PROGRAMS—EDUCATIONAL INSTITUTIONS AND COMMERCIAL

DRIVING SCHOOLS ........................................................................................................................................ C-31 Rule 135. FIRE DEPARTMENTS ...................................................................................................................................... C-32 Rule 136. FUNERAL DIRECTORS ................................................................................................................................... C-32 Rule 137. LAW ENFORCEMENT AGENCIES .................................................................................................................. C-32 Rule 138. LEASING OR RENTAL CONCERNS ............................................................................................................... C-33 Rule 139. MOBILE OR FARM EQUIPMENT .................................................................................................................... C-34

Rule 140. MOTOR HOMES .............................................................................................................................................. C-35

Rule 141. ANTIQUE AUTOS ............................................................................................................................................ C-35

COMMERCIAL AUTO RESIDUAL BODILY INJURY AND PROPERTY DAMAGE LIABILITY, UNINSURED AND UNDERINSURED MOTORISTS, AND PERSONAL INJURY PROTECTION RATES ........................... CR-1

COMMERCIAL AUTO PHYSICAL DAMAGE RATES ................................................................................................... C(PhD)-1

G–1



GENERAL RULES CHAPTER

May 16, 2012 Draft G–2


NOTES


G–3 May 16, 2012 Draft



Rule 1. PREMIUM DEVELOPMENT

A. Determine the applicable premium from the Premium Development Rule in the appropriate chapter of this Manual.

B. Determine the appropriate chapter of the Manual in accordance with the following:

C. All personal auto exposures are rated under the Private Passenger Chapter of the Manual.

EXCEPTIONS: 1. Private passenger autos that are part of a fleet are rated under the Commercial Auto Chapters.

2. Private passenger autos that are owned by other than natural per-sons are rated under the Com-mercial Auto Chapters.

3. Pickups and vans not used for business purposes that meet ei-ther of the following criteria are rated under the Commercial Auto Chapters:

a. The auto is owned by other than natural persons.

b. The auto has a gross vehicle weight over 10,000 pounds.

D. All other exposures are rated under the Commercial Auto Chapters of the Manual.

EXCEPTIONS: 1. Business use private passenger autos owned by natural persons are rated under the Private Pas-senger Chapter.

2. All named nonowner policies are rated under the Private Passen-ger Chapter.

E. If the rating procedure for an exposure is not provided in the Manual, refer to Rule 2.

Rule 2. CLASSIFICATION OF RISKS NOT SPECIFICALLY INCLUDED IN THIS MANUAL

The Hawaii Joint Underwriting Plan is to provide auto insurance coverage to eligible risks who are unable to obtain such coverage through the voluntary market. If rules and rates for eligible autos are not specifically included in this Manual or if the hazard of an applicant or insured is determined to be greater than that contemplated by the rate normally applicable, upon assignment, the assigned company/servicing carrier will forward a request for an individual risk submission filing to AIPSO for rules and rates by completing an Individual Risk Submission application with a copy to the Plan Office. AIPSO will make an individual risk submission with the Insurance Department.

Rule 3. CERTIFIED RISKS—FINANCIAL RESPONSIBILITY LAWS

A. The additional premium shall be computed by applying the applicable surcharge in paragraph B to the premium for the highest rated auto owned by the insured, modified in accordance with any applicable rating plan.

B. The residual bodily injury and property damage liability and personal injury protection total policy premium for a risk on which a certificate of insurance is filed to comply with the requirements of an auto financial responsibility law will be increased by the following factor:

1. 1.50 if the certificate is required for a conviction listed below:

a. Driving an auto while intoxicated

b. Failing to stop and report when involved in an accident

c. Homicide or assault arising out of the opera-tion of an auto


a. Driving an auto at an excessive rate of speed where an injury to person or damage to prop-erty actually results therefrom

b. Driving an auto in a reckless manner where an injury to person or damage to property actually results therefrom

3. 1.05 if the certificate is required for any other cause whatsoever

C. These surcharges are to be applied for the period of time a certificate is required but in no event for a period in excess of three years following conviction.

Rule 4. WHOLE DOLLAR PREMIUM

The premium for each exposure will be rounded to the nearest whole dollar, separately for each coverage provided by the policy unless noted otherwise. A premium involving $.50 or over will be rounded to the higher whole dollar. This procedure applies to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the insurer, the return premium will be carried to the next higher whole dollar.

Note: The phrase “each exposure” means each premium developed (after the application of all appropriate adjustments) for (1) each auto, if written on a per auto basis, and (2) for all other auto business.

Rule 5. MINIMUM POLICY PREMIUM

A. The minimum policy premium charge is $50 per policy.

B. The minimum policy premium applies regardless of the term of the policy and is not subject to modification under any rating plan or other Manual rule provisions.

C. In the event of cancellation or the issuance of a short term policy, pro rata of such annual minimum premium will be charged as the conditions require.

Rule 6. POLICY PERIOD

No policy may be written for a period longer than 12 months.

The premium to be charged for policy terms not exceeding 12 months will be as follows:

A. 12 Month Policies—Charge the annual rates or minimum premiums, whichever apply.


GENERAL RULES



B. Short Term Policies—If a policy is issued for a period of less than 12 months it will be written pro rata and the premium for the policy will be computed in accordance with the Pro Rata Table in the Cancellation Rule. Short term policies may be issued:

1. When a policy is issued on a short term basis to replace an outstanding policy of a company in liquidation, provided the new policy is based upon the rules and rates in effect at the time replacement is made and will be in effect for a period equal to the unexpired term of the outstanding policy.

2. When a statutory policy is required by the state or municipality to expire on a fixed date and the policy is written to expire on such date.

Rule 7. CHANGES

A. All changes requiring premium adjustments will be computed pro rata.

B. If an auto or a form of coverage that was cancelled from a policy at the request of the insured is reinstated within 30 days, the premium will be the same as the amount that was returned at the time of cancellation.

C. Adjustments of $5 or less:

1. If an outstanding policy is amended and results in a premium adjustment or $5 or less, the amount:

a. may be waived, or

b. may be subject to a minimum of $5.

except that the actual return premium will be returned at the request of the insured.

2. Minimum premium of $5 applies if an insured requests the following during the policy period:

a. additional coverage,

b. an increase in limits of liability,

c. a reduced deductible.

3. Companies need not refund a return premium of less than $5 if the insured requests the following:

a. cancellation of coverage,

b. reduction in limits of liability,

c. increase in deductible.


4. If the limits of liability are increased because of a change in the limits prescribed under any financial responsibility law, the additional premium charge will be the actual difference in premium charges. If $5 or less, it may be charged or waived.

D. Endorsements—Midterm changes adding or replacing an auto will be made as follows:

1. Endorsements adding an auto to the policy will be made using the rules and rates in effect at the time the change is made.

2. Endorsements replacing one auto with another:

a. For residual bodily injury, property damage liability and personal injury protection coverages, use the rules and rates in effect for the auto being replaced.

b. For physical damage coverages, use the rates in effect at the time the change is made.

E. Classification Changes for Private Passenger Risks

Compute premium adjustments on a pro rata basis when changes in primary and secondary rating classifications are made. This includes the addition or deletion of an operator during the policy term.

EXCEPTIONS:

1. A policy will not be changed midterm to effect a change in the driving record subclassifications.

2. A policy will not be changed midterm solely due to a change in symbol assignment based on a review of loss experience.

Rule 8. CANCELLATIONS

The following provisions apply when a policy, auto, or form of coverage is cancelled:

A. If a policy is cancelled either by the company or by the insured, compute return premium pro rata.

B. If cancellation of the policy results in a return premium of less than $5, no refund need be made except at the request of the insured, in which case the actual return premium will be allowed.

C. Instructions for Use of Pro Rata Table

1. Express the date of cancellation by year and decimal part of a year by combining the calendar year with decimal appearing opposite the month and day in the Pro Rata Table.

e.g., June 15, 2012 is designated as 2012.455.

2. In like manner, express the effective date of the policy by year and decimal part of a year.

3. Subtract the numerical designation for the effective date from the numerical designation for the cancel-lation date, 1 minus 2. The difference represents the percentage of the annual premium to be re-tained by the company.

Example:

Cancellation Date, June 15, 2012 2012.455 Effective Date, March 2, 2012 2012.167 .288

Earned premium in the above example will be .288 times the annual premium.

Note: Pro Rata Table is shown on page G-5.


GENERAL RULES

G–5 May 16, 2012 Draft


PRO RATA TABLE

January February March April May June Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 1 0.003 1 32 0.088 1 60 0.164 1 91 0.249 1 121 0.332 1 152 0.4162 2 0.005 2 33 0.090 2 61 0.167 2 92 0.252 2 122 0.334 2 153 0.4193 3 0.008 3 34 0.093 3 62 0.170 3 93 0.255 3 123 0.337 3 154 0.4224 4 0.011 4 35 0.096 4 63 0.173 4 94 0.258 4 124 0.340 4 155 0.4255 5 0.014 5 36 0.099 5 64 0.175 5 95 0.260 5 125 0.342 5 156 0.427

6 6 0.016 6 37 0.101 6 65 0.178 6 96 0.263 6 126 0.345 6 157 0.4307 7 0.019 7 38 0.104 7 66 0.181 7 97 0.266 7 127 0.348 7 158 0.4338 8 0.022 8 39 0.107 8 67 0.184 8 98 0.268 8 128 0.351 8 159 0.4369 9 0.025 9 40 0.110 9 68 0.186 9 99 0.271 9 129 0.353 9 160 0.43810 10 0.027 10 41 0.112 10 69 0.189 10 100 0.274 10 130 0.356 10 161 0.441

11 11 0.030 11 42 0.115 11 70 0.192 11 101 0.277 11 131 0.359 11 162 0.44412 12 0.033 12 43 0.118 12 71 0.195 12 102 0.279 12 132 0.362 12 163 0.44713 13 0.036 13 44 0.121 13 72 0.197 13 103 0.282 13 133 0.364 13 164 0.44914 14 0.038 14 45 0.123 14 73 0.200 14 104 0.285 14 134 0.367 14 165 0.45215 15 0.041 15 46 0.126 15 74 0.203 15 105 0.288 15 135 0.370 15 166 0.455

16 16 0.044 16 47 0.129 16 75 0.205 16 106 0.290 16 136 0.373 16 167 0.45817 17 0.047 17 48 0.132 17 76 0.208 17 107 0.293 17 137 0.375 17 168 0.46018 18 0.049 18 49 0.134 18 77 0.211 18 108 0.296 18 138 0.378 18 169 0.46319 19 0.052 19 50 0.137 19 78 0.214 19 109 0.299 19 139 0.381 19 170 0.46620 20 0.055 20 51 0.140 20 79 0.216 20 110 0.301 20 140 0.384 20 171 0.468

21 21 0.058 21 52 0.142 21 80 0.219 21 111 0.304 21 141 0.386 21 172 0.47122 22 0.060 22 53 0.145 22 81 0.222 22 112 0.307 22 142 0.389 22 173 0.47423 23 0.063 23 54 0.148 23 82 0.225 23 113 0.310 23 143 0.392 23 174 0.47724 24 0.066 24 55 0.151 24 83 0.227 24 114 0.312 24 144 0.395 24 175 0.47925 25 0.068 25 56 0.153 25 84 0.230 25 115 0.315 25 145 0.397 25 176 0.482

26 26 0.071 26 57 0.156 26 85 0.233 26 116 0.318 26 146 0.400 26 177 0.48527 27 0.074 27 58 0.159 27 86 0.236 27 117 0.321 27 147 0.403 27 178 0.48828 28 0.077 28 59 0.162 28 87 0.238 28 118 0.323 28 148 0.405 28 179 0.49029 29 0.079 29 88 0.241 29 119 0.326 29 149 0.408 29 180 0.49330 30 0.082 30 89 0.244 30 120 0.329 30 150 0.411 30 181 0.49631 31 0.085 31 90 0.247 31 151 0.414

July August September October November December Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 182 0.499 1 213 0.584 1 244 0.668 1 274 0.751 1 305 0.836 1 335 0.918 2 183 0.501 2 214 0.586 2 245 0.671 2 275 0.753 2 306 0.838 2 336 0.921 3 184 0.504 3 215 0.589 3 246 0.674 3 276 0.756 3 307 0.841 3 337 0.923 4 185 0.507 4 216 0.592 4 247 0.677 4 277 0.759 4 308 0.844 4 338 0.926 5 186 0.510 5 217 0.595 5 248 0.679 5 278 0.762 5 309 0.847 5 339 0.929 6 187 0.512 6 218 0.597 6 249 0.682 6 279 0.764 6 310 0.849 6 340 0.9327 188 0.515 7 219 0.600 7 250 0.685 7 280 0.767 7 311 0.852 7 341 0.9348 189 0.518 8 220 0.603 8 251 0.688 8 281 0.770 8 312 0.855 8 342 0.9379 190 0.521 9 221 0.605 9 252 0.690 9 282 0.773 9 313 0.858 9 343 0.94010 191 0.523 10 222 0.608 10 253 0.693 10 283 0.775 10 314 0.860 10 344 0.942 11 192 0.526 11 223 0.611 11 254 0.696 11 284 0.778 11 315 0.863 11 345 0.94512 193 0.529 12 224 0.614 12 255 0.699 12 285 0.781 12 316 0.866 12 346 0.94813 194 0.532 13 225 0.616 13 256 0.701 13 286 0.784 13 317 0.868 13 347 0.95114 195 0.534 14 226 0.619 14 257 0.704 14 287 0.786 14 318 0.871 14 348 0.95315 196 0.537 15 227 0.622 15 258 0.707 15 288 0.789 15 319 0.874 15 349 0.956 16 197 0.540 16 228 0.625 16 259 0.710 16 289 0.792 16 320 0.877 16 350 0.95917 198 0.542 17 229 0.627 17 260 0.712 17 290 0.795 17 321 0.879 17 351 0.96218 199 0.545 18 230 0.630 18 261 0.715 18 291 0.797 18 322 0.882 18 352 0.96419 200 0.548 19 231 0.633 19 262 0.718 19 292 0.800 19 323 0.885 19 353 0.96720 201 0.551 20 232 0.636 20 263 0.721 20 293 0.803 20 324 0.888 20 354 0.970 21 202 0.553 21 233 0.638 21 264 0.723 21 294 0.805 21 325 0.890 21 355 0.97322 203 0.556 22 234 0.641 22 265 0.726 22 295 0.808 22 326 0.893 22 356 0.97523 204 0.559 23 235 0.644 23 266 0.729 23 296 0.811 23 327 0.896 23 357 0.97824 205 0.562 24 236 0.647 24 267 0.732 24 297 0.814 24 328 0.899 24 358 0.98125 206 0.564 25 237 0.649 25 268 0.734 25 298 0.816 25 329 0.901 25 359 0.984

26 207 0.567 26 238 0.652 26 269 0.737 26 299 0.819 26 330 0.904 26 360 0.98627 208 0.570 27 239 0.655 27 270 0.740 27 300 0.822 27 331 0.907 27 361 0.98928 209 0.573 28 240 0.658 28 271 0.742 28 301 0.825 28 332 0.910 28 362 0.99229 210 0.575 29 241 0.660 29 272 0.745 29 302 0.827 29 333 0.912 29 363 0.99530 211 0.578 30 242 0.663 30 273 0.748 30 303 0.830 30 334 0.915 30 364 0.99731 212 0.581 31 243 0.666 31 304 0.833 31 365 1.000

Note: The indicated Pro Rata Table is also used for leap years as it is not customary to charge for the extra day (Feb. 29) which occurs once every four years.


GENERAL RULES



Rules 9–18. RESERVED FOR FUTURE USE

Rule 19. TERRITORIES

This Rule contains the definitions of the territories into which the state is divided and show for each territory the number of the rate schedule on the rate pages that is to be used.

Territorial Schedule and Code

HAWAII COUNTY (Island of

Hawaii) ............................................................................ 05

HONOLULU COUNTY (Island of

Oahu) .............................................................................. 01

KAUAI COUNTY (includes islands

of Kauai and Niihau) ....................................................... 04

MAUI COUNTY (includes islands of

Lanai, Maui, and Molokai) ............................................... 03

Note: Refer to an atlas or map for places not listed.

P–1



PRIVATE PASSENGER CHAPTER

May 16, 2012 Draft P–2


NOTES


P–3 May 16, 2012 Draft



Rule 20. DEFINITIONS

A. Private Passenger Auto

1. A private passenger auto is a nonfleet auto of the private passenger, station wagon, or jeep type owned or leased for a continuous period of one year or more by

a. an individual, or

b. husband and wife who are residents of the same household, or

c. parties who have entered into a civil union under Hawaii law who are residents of the same household,

that is not used as a public or livery conveyance for passengers nor rented to others without a driver. This term excludes motorcycles, motorized bicy-cles, powercycles, motorized scooters, golfmobiles, snowmobiles, and other similar two-wheeled motorized autos.

2. A pickup or a van with a gross vehicle weight of 10,000 pounds or less owned or leased for a continuous period of one year or more will be considered a private passenger auto, if

a. owned by an individual, by a husband and wife who are residents of the same household, or by parties who have entered into a civil union under Hawaii law who are residents of the same household, and

b. not used for delivery or transportation of goods and materials, unless such use is incidental to the insured’s occupation as a craftsman, farmer, installer, or repairer of furnishings or equipment.

3. A pickup or van used in the business of the United States Government, by an employee of the Gov-ernment, will be considered a private passenger auto only if

a. it meets the conditions in paragraphs 2.a and 2.b above; and

b. coverage is limited in accordance with the federal employees using autos in government business endorsement.

4. An auto owned by a farm family copartnership, or farm family corporation, will be considered a private passenger auto owned by two or more relatives who are residents of the same household if the auto

a. is principally garaged on a farm or ranch, and

b. otherwise meets the definition in paragraphs A.1 and A.2 above.

5. Classify as fleet the autos of any risk that has five or more self-propelled autos of any type that are under one ownership.

B. Named Nonowner

Individuals who do not own an auto.

C. Recreational Trailers

A movable structure equipped as mobile living quarters (with or without bathroom facilities), identified by the manufacturer as a travel or camper trailer, constructed on a chassis with a wheeled running gear, not self-propelled and designed to be towable by a private passenger auto as defined above provided the owner maintains a separate and permanent residence other than the recreational trailer.

D. Camper Bodies

A portable camper body equipped as mobile living quarters and used for private passenger purposes.

E. Motor Homes

1. A factory designed motor home is a self-propelled auto, including van type trucks, originally equipped as living quarters with permanent installation of any two of the following facilities: cooking, dining, plumbing, or refrigeration.

2. A converted motor home is a self-propelled auto, including buses and van type trucks, not originally equipped as living quarters.

F. Antique Autos

An antique auto is an auto of the private passenger type that is 25 or more years old that is maintained solely for use in exhibitions, club activities, parades, and other functions of public interest, and occasionally used for other noncommercial purposes.

Note: For other private passenger type autos not referred to above, refer to the Private Passenger Types Chapter of this Manual (Refer to Rules 81—90).

Rule 21. ELIGIBILITY

The Joint Underwriting Plan will provide auto policies for the following class of persons, autos, and uses

Autos owned by licensed drivers, defined as follows:

1. The applicant or any person who resides in the same household as the applicant and customarily operates the auto or any other person who regular-ly and frequently operates the auto to be insured, who

a. within the 36 months prior to the date of the application has had his or her driver's license under suspension or revocation, or

b. within the 36 months prior to the date of the application has been convicted of operating an auto without auto insurance, or

c. within the 18 months prior to the date of the application, been convicted of or forfeited bail for two or more moving traffic violations, or

d. within the 36 months prior to the date of the application, has been convicted of any felony involving an auto.

2. The applicant or any operator of an auto in the same household who customarily operates the auto or any other operator who customarily oper-ates the auto has been involved during the 36-month period prior to the date of the application in


PRIVATE PASSENGER



a. two or more accidents involving bodily injury or death if there is one auto in the household or an average of more than one such accident for all autos in the household, provided that a loss payment has been made or a loss reserve has been established for such accidents, or

b. two or more accidents involving damage to any property, including his or her own, of $1,000 or more if there is one auto in the household, or an average of more than one such accident for all autos in the household, provided that loss payments or reserves under the comprehensive physical damage coverage will not be counted, or

c. a combination of two or more such accidents of the type specified in paragraph 2.a or 2.b above.

Accidents under paragraphs 2.a, 2.b, or 2.c will not be counted unless it can be clearly demonstrated that the applicant or other operator referred to therein was at fault. Accidents occurring under the following circumstances would tend to demonstrate that such applicant or operator was not at fault:

(1) Which occurred while the auto owned or operated by the applicant or other person who usually drives the applicant's auto was lawfully parked

(2) If the auto was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours

(3) The applicant or other person who usually drives the applicant's auto obtained a judgment against, or a settlement from or on behalf of, the owner or operator of an-other auto involved in such accident, if the judgment or settlement was obtained prior to the date of application or, in case of re-newal, prior to the effective date of the re-newal policy, and provided no judgment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usually drives the applicant's auto, as a result of such accident

(4) If neither the applicant nor other person who usually drives the applicant's auto was convicted of a moving traffic violation, and the owner or operator of another auto involved was so convicted

(5) If payment results under personal injury protection or additional personal injury protection and applicant or other operator residing in the same household is not at fault

(6) Accidents involving damage by contact with animals or fowl

(7) Accidents involving physical damage, lim-ited to and caused by flying gravel, mis-siles, or falling objects

(8) Accidents incurred by an operator demon-strated to be a named insured or principal operator of an auto insured under a sepa-rate policy

(9) If the auto was struck in the rear by an-other auto and the applicant or operator has not been convicted of a moving viola-tion in connection with the accident

3. Licensed drivers, or unlicensed permanently disabled individuals unable to operate their autos, who are receiving public assistance benefits consisting of direct cash payments through the state department of human services or benefits from the supplemental security income program under the Social Security Administration.

a. The state department of human services (DHS) will provide a certificate of eligibility for JUP coverage to eligible drivers/owners who desire basic auto policy coverage under JUP, in accordance with section 16-23-72(a)(5) and 16-23-73. The driver will submit the certificate in person or by mail to the servicing carrier of his or her choice for an auto policy. The certifi-cate will be accepted by the servicing carrier in accordance with section 16-23-73 and treated as if it were payment in full for the requested auto coverages. The service carrier will promptly notify the director of human services of public assistance recipients which it insures.

b. An applicant will first exhaust all paid coverage under any auto policy then in force before be-coming eligible for JUP coverage.

c. Upon termination of public assistance benefits, the DHS will:

(1) notify the recipient upon termination of public assistance benefits and instruct the recipient that the recipient must immedi-ately notify the servicing carrier of the termination of benefits and obtain timely insurance for the recipient's auto;

(2) give written notice to the recipient that the recipient's JUP basic auto policy will ter-minate thirty days from the date of termi-nation of public assistance benefits. This notice of cancellation will be considered as proper notification under the provisions of sections 431:10C-111 and 431:10C-112, HRS, and section 16-23-15, provid-ing the recipient with thirty days notice of cancellation; and

(3) notify the servicing carrier of the termina-tion of public assistance benefits and the date the termination was effective.

4. All other autos, not classified under paragraphs A.1, A.2, and A.3 owned by licensed drivers who are unable to obtain auto policies and optional insurance through ordinary means will be rated as 431:10C-407(b)(1)(E), HRS, Eligible Insureds only.

Rule 22. PERSONAL AUTO POLICY ELIGIBILITY

A. "Resident relative" as used in this rule may include reciprocal beneficiary as the term is defined in Act 383, SLH 1997 residing in the same household as the named insured, whether or not temporarily residing elsewhere.


PRIVATE PASSENGER



B. A Personal Auto Policy will be used to afford coverage to private passenger auto and an auto considered as private passenger autos in Rule 20 if:

1. they are written on a specified auto basis, and

2. they are owned by an individual resident relative, by a husband and wife who are residents in the same household, or by parties who have entered into a civil union under Hawaii law who are resi-dents of the same household.

C. A Personal Auto Policy will be used to afford coverage to private passenger autos that are owned jointly by two or more:

1. Relatives other than husband and wife or other than parties who have entered into a civil union under Hawaii law; or

2. Resident individuals;

if:

a. they are written on a specified auto basis, and

b. coverage is limited in accordance with the miscellaneous type vehicle endorsement.

D. A Personal Auto Policy will be used to afford coverage to miscellaneous type autos subject to Chapter 431:10C, HRS, but not including motorcycles and motor scooters, if:

1. they are written on a specified auto basis.

2. they are owned by an individual, by a husband and wife who are residents of the same household, by parties who have entered into a civil union under Hawaii law who are residents of the same house-hold, or by two or more resident relatives, and

3. coverage is limited in accordance with the miscellaneous type vehicle or snowmobile en-dorsement.

E. A Personal Auto Policy will be used to afford coverage to a named individual who does not own an auto. The named nonowner coverage endorsement must be attached.

F. Every auto required to be registered in Hawaii and rated in accordance with this Manual will be afforded the following minimum mandatory coverages: residual bodily injury liability, property damage liability, and personal injury protection. Except as provided by 431:10C-407(b)(3), HRS, uninsured motorist and underinsured motorists coverages will also be afforded unless rejected in writing. Refer to the personal injury protection and optional benefits coverages rule for personal injury protection coverage and uninsured motorists and underinsured motorists coverage rule for uninsured and underinsured motorists coverage requirements.


A. Private Passenger Autos

1. Determine the rating territory to be used (Rule 19). For private passenger autos the territory in which the auto is principally garaged is the applicable territory, except in the case of autos used by salesmen or solicitors or others with similar duties requiring the operation of an auto in more than one rating territory. Such autos will be assigned to the

territory determined by the place of principal garaging, if there is such a place; otherwise, the residential address of the operator will be used as a basis for determining the rating territory. If the residential address of the operator cannot be determined, the business address of the operator will be used.

Note: When a risk is statutorily required to have, or is eligible for, a coverage that is not available in the territory of principal garag-ing, use the registration address to deter-mine the territory for that coverage.

B. Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages:

1. Determine the applicable classification (Rule 24). If the insured falls within two or more classifications, the highest rate classification will apply.

2. Determine the class factor/primary factor from the Class Factors/Primary Rating Factor Table from the Private Passenger Auto Rate Chapter.

3. For a private passenger auto not eligible for the safe driver insurance plan (Rule 26), add 0.20 to the class factor/primary factor otherwise applicable.

4. If additional charges for accidents and convictions (Rule 26) apply, determine the secondary factor.

5. Add the secondary factor to the class fac-tor/primary factor to determine the combined rating factor.

6. Residual Bodily Injury and Property Damage Liability Coverage

a. Refer to the rate schedules of this Manual for the base rates for the classification and territo-ry determined in paragraph A.1 above.

b. Multiply the rates determined above by the combined rating factor determined in para-graph B.5 above.

c. If increased limits (Rule 25) apply, multiply the rates determined above by the appropriate fac-tor. Increased limit factors are applicable to minimum coverage premiums, but not the min-imum policy premium.

d. If a certified risk—financial responsibility filing (Rule 3) is required, the rates determined above are increased by the appropriate factor.

7. Uninsured and Underinsured Motorists Coverages

Refer to Rule 27 for development of premium.

8. Personal Injury Protection Coverage



c. If different deductibles (Rule 29) apply, multiply the rates determined above by the appropriate factor.


PRIVATE PASSENGER




C. Physical Damage Coverage

1. Determine the appropriate model year factor from the Private Passenger Auto Rate Chapter as follows:

a. The model year of the auto is the year as-signed by the auto manufacturer.

b. Rebuilt or Structurally Altered Autos—The model year of the chassis determines the model year of the auto.

Note: If the factor for a model year is not displayed in the Private Passenger Auto Rate Chapter, use the rates shown for the latest model year.

2. Determine the appropriate symbol factor from the Private Passenger Auto Rate Chapter as follows:

Refer to ISO’s Symbol and Identification (S&I) Manual to determine the rating symbol.

If no rating symbol is shown in the S&I Manual, use the following procedure:

a. If the S&I Manual displays a rating symbol for the prior model year version of the same auto, use that rating symbol.

Refer to the Transition Rule in the S&I Manual for 2011 model year autos.

b. If the S&I Manual does NOT display a rating symbol for the prior model year version of the same auto, assign a symbol based on the Original Cost New of the auto, using the Price/Symbol Chart located in the reference pages of the S&I Manual.

3. Multiply the model year factor by the symbol factor determined above and round to two decimal places.

4. Determine the base rates from the Private Passenger Auto Rate Chapter based on the territo-ry determined in paragraph A.1 above.

5. Multiply the base rates by the factor developed in paragraph 3 and round to the nearest whole dollar.



8. If additional charges for accidents and convictions (Rule 26) apply, determine the secondary factor


10. Multiply the combined rating factor by the rates developed in paragraph 5 and round to the nearest whole dollar.

11. If different deductibles (Rule 29) apply, multiply the rates determined above by the appropriate factor.

D. Named Nonowner Coverage—Residual Bodily Injury and Property Damage Liability Coverage Only

Refer to Rule 30.

Rule 24. PRIVATE PASSENGER AUTO CLASSIFICATIONS

A. Private passenger autos owned or leased for a continuous period of one year or more will be classified as shown in this chart except that

Refer to paragraph C of this Rule for the definitions of terms used in this Rule.

IF MORE THAN ONE CLASSIFICATION IS APPLICABLE, THE CLASS DEVELOPING THE

HIGHER PREMIUM SHOULD BE USED Description of Use Of Auto

Other Than Business Use

Pleasure Use Driven To Or From

Work Or School Business

Use 1A 1B 3

B. For residual bodily injury and property damage liability coverage only, an auto used in the business of the United States Government by one of its employees will be classified and rated as pleasure use or to and from work when the Federal Employees Using Autos in Government Business endorsement is used to limit coverage.

C. The terms used in the classification descriptions in this Rule mean the following:

1. “Business use” means that the use of the auto is required by or customarily involved in the duties of the applicant or any other person customarily operating the auto, in his or her occupation, profes-sion, or business, other than in going to or from his or her principal place of occupation, profession, or business.

2. “Driven to or from work or school” means that the auto is customarily used in the course of driving to or from work or school. The auto has no business use.

a. The term “customarily” includes the use of autos in a car-pool or other share-the-ride ar-rangements.

b. An auto driven part way to or from work or school, such as to a railroad or bus depot, will be considered in the course of driving to or from work or school whether or not the auto is parked at the depot during the day.

c. An auto that is used for driving to or from work or school, more than two days per week or more than two weeks in any five week period.

3. “Farm auto” means an auto principally garaged on a farm or ranch that is not customarily used in going to or from work other than farming or ranch-ing and is not used in any occupation other than farming or ranching.

“Farm auto” will be classified as pleasure use.

For farm family copartnerships or farm family corporations, an owned private passenger auto


PRIVATE PASSENGER



principally garaged on a farm or ranch will be classified and rated as pleasure use provided the auto is:

a. not experience rated,

b. not used in any occupation other than farming or ranching,

c. used only in driving to or from work.

4. "Pleasure use" means:

a. No business use.

b. Personal use including driving to or from work or school not more than two days per week or not more than two weeks in any five week pe-riods.

5. “Resident in the same household” includes an individual absent from the household while attend-ing a school, however, it does not include an individual in active military service with the armed forces of the United States of America unless such individual customarily operates the auto.

Rule 25. INCREASED LIMITS

The increased limits tables below show the factors to be applied to the $20,000/40,000 residual bodily injury and $10,000 property damage rates shown in this Manual to determine the premium for other limits.

A. Split Limits

Table 1

RBI Limits

Private Passenger

Named Nonowner

All Other Risks

50/100 1.42 1.68 1.68 100/300 1.66 2.20 2.20 300/300* 1.83 3.00 3.00 300/600* 1.86 3.03 3.03

Table 1A

PD Limits

Private Passenger

Named Nonowner

All Other Risks

$15,000 1.01 1.05 1.06 20,000 1.02 1.07 1.10 30,000 1.04 1.09 1.14 50,000* 1.08 1.11 1.17

*where required by law

B. For factors for limits required by law that are not shown, refer to Rule 2.

Rule 26. SAFE DRIVER INSURANCE PLAN (SDIP)

SDIP is to be applied to all eligible autos.

A. Eligibility

An auto is eligible for rating under this plan if it is:

1. Owned by an individual or owned jointly by two or more relatives or resident individuals.

2. Furnished to an individual by a corporation, partnership, or unincorporated association owning less than five autos and not used for business purposes.

3. Owned by a family partnership or family corporation, provided the auto is:

a. garaged on a farm or ranch; and

b. not rated as part of a fleet; and

c. not used in any occupation other than farming or ranching.

Exception:

For a private passenger auto not eligible for the plan, add 0.20 to the class factor/primary factor otherwise applicable.

B. Determination of Penalty Points

1. New Business

a. Initial information necessary to assign penalty points will be obtained from an application signed personally by the applicant.

b. The signature of the applicant on all applica-tions received from an agent, broker, or solici-tor must be certified by the agent, broker, or solicitor.

2. Renewal Business

Information necessary to assign penalty points will be determined from any one or combination of the following:

a. company's own records; or

b. motor vehicle records; or

c. an application signed by the applicant and producer.

C. Experience Period

The experience period is the three years immediately preceding the date of application for assignment, and in the case of renewal, the three years immediately preceding the effective date of the renewal policy.

D. Assign penalty points for the following:

1. Each accident involving the applicant, named insured, or any other person who usually operates the auto(s)

2. Each conviction involving the applicant, named insured, or any other person who usually operates the auto(s)

E. Apply additional charges accumulated during the experience period to the premium for

1. residual bodily injury and property damage liability coverage;

2. personal injury protection coverage;

3. comprehensive and collision coverages.

NOTES:

1. “Usually operates” and “usually drives” includes a driver who is contemplated, planned, or expected.


PRIVATE PASSENGER



2. Convictions include bail forfeiture, penal summons, bench warrants outstanding for failure to appear or a determination by a juvenile court authority, formally or informally, that an offense has been committed.

F. Penalty Points Assignable for Accidents and Convictions

1. Accidents

Assign two penalty points for each auto accident resulting in:

a. bodily injury, or death; or

b. damage to any property including his or her own in excess of $1,000.

EXCEPTIONS: Do not assign points for the following accidents:

1. For which penalty points are assigned under paragraphs F.2.a through F.2.f. of this Rule

2. Which occurred while the auto owned or operated by the applicant or other person who usually drives the applicant's auto was lawfully parked

3. If the auto was struck by a hit-and-run driver, if such accident was reported to the proper au-thority within 24 hours

4. The applicant or other person who usually drives the applicant's auto obtained a judg-ment against, or a settlement from or on behalf of, the owner or operator of another auto in-volved in such accident, if the judgment or set-tlement was obtained prior to the date of appli-cation or, in case of renewal, prior to the effec-tive date of the renewal policy, and provided no judgment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usually drives the applicant's auto, as a result of such accident

5. If neither the applicant nor other person who usually drives the applicant's auto was con-victed of a moving traffic violation, and the owner or operator of another auto involved was so convicted

6. If payment results under personal injury protection or additional personal injury protec-tion and applicant or other operator residing in the same household is not at fault

7. Accidents involving damage by contact with animals or fowl

8. Accidents involving physical damage, limited to and caused by flying gravel, missiles, or fall-ing objects

9. Accidents incurred by an operator demonstrat-ed to be a named insured or principal operator of an auto insured under a separate policy

10. If the auto was struck in the rear by another auto and the applicant or operator has not been convicted of a moving violation in con-nection with the accident

2. Convictions

Assign Penalty Points for the following convictions:

Violation Penalty Points for Each Conviction

a. driving an auto while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property results therefrom

8 b. revocation of

privilege to drive an auto upon refusal to submit to test where injury to person or damage to property results therefrom

8 c. failing to stop and

report when involved in an accident

8 d. homicide or

assault arising out of the operation of an auto

8 e. driving an auto at

an excessive rate of speed where injury to person or damage to property results therefrom

6 f. driving an auto in

a reckless manner where injury to person or damage to property results therefrom

6 g. driving an auto

while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property does not result therefrom

6 h. revocation of

privilege to drive auto upon refusal to submit to test where injury to person or damage to property does not result therefrom

6


PRIVATE PASSENGER




i. operating an auto during period of revocation or suspension of registration or license, not including points assignable for any accident that may result

5 j. operating an auto

without state or owner's authority, not including points assignable for any accident that may result

5 k. loaning operator's

license to an unlicensed operator

5 l. the making of false

statements in the application for license or registration

5 m. impersonating an

applicant for license or registration, or procuring a license or registration through impersonation whether for himself or another

5 n. driving an auto in

a reckless manner where injury to person or damage to property does not result therefrom

4 o. permitting an

unlicensed person to drive

4

Penalty

Points for First

Convic-tion

Penalty Points for Each Sub-sequent Convic-

tion p. driving an auto at

an excessive rate of speed where injury to person or damage to property does not result therefrom

3 4 q. operating an auto

without auto insurance

3 4

Penalty

Points for First

Convic-tion


tion r. any moving traffic

violation other than those set forth above, unless the conviction resulted from an accident for which points are assignable, in which case assign only the points for the accident

1 2

EXCEPTIONS: Do not assign points for the following violations:

1. any motor vehicle equipment requirement of the motor vehicle and traffic laws, except brakes;

2. failure to display proper number plates provid-ed such plates are in existence;

3. failure to have in possession operator's or chauffeur's license provided there is one in ex-istence.

G. Refund of Surcharged Premium

If a penalty point has been assigned and it is later determined that the accident or conviction falls under one of the exceptions in this Rule, the increased portion of the premium generated by the accident or conviction will be refunded.

H. Multiauto Risk

Points applicable to risks of two, three, or four autos will be applied first to the auto with the highest total base premium and any points in excess of seven will be applied to the next auto with the highest rated total base premium or autos in succession.

Total base premium is the sum of the base premium for residual bodily injury and property damage liability, basic personal injury protection, comprehensive, and collision coverages that apply to the auto.

I. Penalty Point Values

Number of Penalty Points

Secondary Rating Factor

1 .05 2 .10 3 .15 4 .50 5 .75 6 1.00

7 or more 1.50

Add the secondary rating factor to the class fac-tor/primary rating factor from the Private Passenger Auto Rate Chapter.


PRIVATE PASSENGER

May 16, 2012 Draft P–10


Rule 27. UNINSURED AND UNDERINSURED MOTORISTS COVERAGES

A. Uninsured Motorists Coverage

1. Owners

This form of auto insurance will be afforded, on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of an auto registered or principally garaged in Hawaii.

EXCEPTIONS:

a. The named insured may reject in writing

(1) uninsured motorists coverage in its entire-ty, or

(2) stacked uninsured motorists coverage and select nonstacked coverage, or

(3) limits equal to the residual bodily injury li-ability limits and select lower limits, but not less than the financial responsibility limits.

b. The written agreement to reject this coverage or select lower limits will only be required when the policy is first applied for or issued. The written agreement need not be required on any subsequent renewal or replacement policy.

The option to reject stacked uninsured motorists coverage will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

a. If the named insured does not reject stacked uninsured motorists coverage in writing, stacked coverage must apply to all autos in-sured under the policy.

b. If the named insured rejects the stacked uninsured motorists coverage option in writing, nonstacked coverage must apply to all autos insured under the policy.

The insurer will notify the named insured of this option only when the policy is first applied for or issued. No further offer is required on any subse-quent renewal or replacement policy.

2. Rates

Refer to rate schedules of this Manual for $20,000/40,000 uninsured motorists coverage. Increased limits will be afforded by applying the increased limit factor, for residual bodily injury liability to the base rate for uninsured motorist coverage.

3. Nonowners

If a named nonowner policy is extended to afford uninsured motorists coverage, the rate for such extension of coverage will be the applicable unin-sured motorists rate shown on the rate schedules for owners.

B. Underinsured Motorists Coverage

1. Owners

This form of auto insurance will be afforded, on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto

liability policy issued or delivered to the owner of an auto registered or principally garaged in Hawaii.

EXCEPTIONS:


(1) underinsured motorists coverage in its en-tirety, or

(2) stacked underinsured motorists coverage and select nonstacked coverage, or



The option to reject stacked underinsured motorists coverage will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

(a) If the named insured does not reject stacked underinsured motorists coverage in writing, stacked coverage must apply to all autos in-sured under the policy.

(b) If the named insured rejects the stacked underinsured motorists coverage option in writ-ing, the the nonstacked coverage must apply to all autos insured under the policy.


2. Rates

Refer to rate schedules of this Manual for $20,000/40,000 underinsured motorists coverage. Increased limits will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorist coverage.

3. Nonowners

If a named nonowner policy is extended to afford underinsured motorists coverage, the rate for such extension of coverage will be the applicable under-insured motorists rate shown on the rate schedules for owners.

C. The premium is not be subject to modification under the provisions of any rating plan or other Manual rules.

Rule 28. PERSONAL INJURY PROTECTION AND OPTIONAL BENEFITS COVERAGES

A. Personal Injury Protection Coverage

1. Every auto required to be registered in Hawaii and rated in accordance with this Manual will be afford-ed basic personal injury protection coverage as prescribed in the Hawaii Motor Vehicle Insurance Law.


PRIVATE PASSENGER

P–11 May 16, 2012 Draft


2. Basic personal injury protection means $10,000 per person as defined in Section 431:103.5 of the Hawaii Motor Vehicle Insurance Law.

3. Personal injury protection coverage is not required nor available for motorcycles and motor scooters.

4. Refer to paragraph B for personal injury protection coverage options.

5. Refer to the Deductible Insurance Rule for deductibles.

B. Optional Benefits Coverage

Every insurer issuing an auto insurance policy to a named insured will make available to such named insured the following optional benefits additional coverage with every new and renewal policy:

1. Wage loss benefits applicable to the named insured and family members. For wage loss bene-fits at a monthly limit of $500 and subject to a per accident limit of $3,000, refer to rate schedules for the annual rate per auto.

For monthly limits higher than $500, multiply the $500/3,000 wage loss benefits rate by the appro-priate factor shown below.

Monthly Limit Factor

$1,000/6,000 1.96 1,500/9,000 2.84

2,000/12,000 3.63

2. Death Benefits: For death benefits at a limit of $25,000, refer to rate schedules.

For death benefits at higher limits, multiply the $25,000 limit rate by the appropriate factor shown below:

Limit Factor

$50,000 2.00 75,000 3.00

100,000 4.00

3. Funeral Expenses. For funeral expenses benefits at a limit of $2,000, refer to rate schedules.

4. Alternative expenses for naturopathic, acupunc-ture, and nonmedical remedial care, and treatment rendered in accordance with the teachings, faith, or belief of any group which relies upon spiritual means through prayer for healing, refer to rate schedules.

Rule 29. DEDUCTIBLE INSURANCE

A. Comprehensive coverage will be afforded, at the option of the insured, with the following factors applicable to the $100 manual rate for comprehensive:

Deductible Factor $0 1.508 50 1.160

100 1.000 250 0.900 500 0.775

1,000 0.581

Deductible Factor 1,500 0.481 2,000 0.419

B. Collision coverage will be afforded, at the option of the insured, with the following factors applicable to the $250 manual rate for collision:

Deductible Factor $50 1.413 100 1.130 250 1.000 500 0.930

1,000 0.780 1,500 0.640 2,000 0.538

C. Personal Injury Protection Coverage

Every insurer issuing an auto insurance policy providing personal injury protection coverage to a named insured will make available to such named insured the option to purchase a medical expense benefits per accident deductible of $100, $300, $500, or $1,000, applicable to the named insured and family members. The same deductible will apply to all autos on the policy.

Multiply the basic personal injury protection premium by the appropriate factor shown below to determine the flat dollar credit. Subtract this credit from the applicable basic personal injury protection premium.

Deductible Factor

$100 0.050 300 0.100 500 0.150

1,000 0.200

Rule 30. NAMED NONOWNER

Residual Bodily Injury and Property Damage Liability and Uninsured and Underinsured Motorists Coverages

A. This Rule applies to natural persons who do not own an auto.

B. A named nonowner policy may be written to provide basic residual bodily injury liability and property damage liability coverages for any applicant. A DHS certificate will not be acceptable in lieu of payment for this policy.

C. A policy may be written to cover a named individual or named individuals, if residents of the same household, for the operation by either of nonowned autos or the presence of either or both in any such auto, subject to the following classification:

1. The residual bodily injury liability and property damage liability rate for named nonowner policies will be given the following classification:

N1 or N1-FR The autos are used by, but not owned by, the named insured.

Classification N1-FR applies to risks required to file evidence of financial responsibility.

2. Multiply the appropriate base rate shown on the rate schedules that would apply if such individual owned an auto by .50.


PRIVATE PASSENGER

May 16, 2012 Draft P–12


3. For a private passenger auto not eligible for the safe driver insurance plan (Rule 26), add 0.20 to the primary rating factor otherwise applicable.


5. If increased limits (Rule 25) apply, multiply the rates determined above by the appropriate factor. Increased limit factors are applicable to minimum coverage premiums, but not the minimum policy premium.

6. If a certified risk—financial responsibility filing (Rule 3) is required, the rates determined above are increased by the appropriate factor.

D. Uninsured and Underinsured Motorists Coverage


Rule 31. RECREATIONAL TRAILERS AND CAMPER BODIES

A. Recreational Trailer


B. Camper Bodies

A portable camper body equipped as mobile living quarters.

C. Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages

1. A Personal Auto Policy affording residual bodily injury and property damage liability coverage and personal injury protection covers trailers designed for use with a private passenger auto, pickup, or van and camper bodies designed for use with a pickup, without additional premium charge and without specific description of the trailer or camper body.

Exceptions

Coverage is not provided for a trailer or camper body:

a. used for business purposes with other than a private passenger auto or owned pickup, or van, or

b. when no auto is owned by the insured.

2. Residual bodily injury liability and personal injury protection coverages are afforded without addition-al premium charge for farm wagons and farm implements when attached to a private passenger auto, pickup, or van.

D. Physical Damage

1. Trailers and camper bodies are to be insured as separate items with separate premiums shown for each unit. The deductible applies separately to each unit.

Note: Coverage is not provided on an "agreed value" basis.

2. All Trailers And Camper Bodies

To be eligible for coverage, the insured must maintain a separate and permanent residence other than the recreational trailer or camper body.

Rate in accordance with Rule 32.D.

E. Attach the Trailer/Camper Body Coverage (Maximum Limit Of Liability) Endorsement.

Rule 32. MOTOR HOMES

A. Motor Homes

A motor home is a self-propelled auto with a living area that is an integral part of the auto chassis. The living area typically consists of cooking, dining, sleeping, plumbing, and refrigeration facilities.

B. Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages

1. Motor Homes Used in Driving to or from Work or Used in Business

Multiply the Private Passenger auto rate by 1.00.

2. Pleasure Use Motor Homes

Multiply the Private Passenger auto rate by .50.

C. Uninsured and Underinsured Motorists Coverage


D. Physical Damage Coverage





E. Attach the Miscellaneous Type Vehicle and the Miscellaneous Type Vehicle Amendment (Motor Homes) Endorsements to the policy.

Rule 33. ANTIQUE AUTOS

A. Antique Autos

An antique auto is an auto of the private passenger type that is 25 or more years old that is maintained solely for use in exhibitions, club activities, parades, and other functions of public interest, and occasionally used for other purposes.






1. Coverage is not provided on an “agreed value” basis.


PRIVATE PASSENGER

P–13 May 16, 2012 Draft


Comprehensive Rate—$.56 per $100 of insurance.

Collision Rate—$.49 per $100 of insurance.

2. Refer to Rule 29 for $100 deductible comprehen-sive and collision factor. This is the only deductible option available. Multiply the rates determined above by the appropriate factor.

E. Attach the Coverage For Damage To Your Auto (Maximum Limit Of Liability) Endorsement.



PRIVATE PASSENGER

May 16, 2012 Draft P–14


PRIVATE PASSENGER LIABILITY COVERAGE RATING WORKSHEET

Coverage

Base Rate (Rate

Schedules And Rule

27)

Class Fac-

tors/Primary Rating Factor

Table* (Rate

Schedules)


(SDIP) (Rule 26)

Change In Deductibles

(Rule 29)

Increased Limits Factor

(Rule 25)

Certified Risk

Factor (Rule 3)

WholeDollarPremiu

m

RBI LIAB. X ( +

) NA X X =

PD LIAB. X ( + ) NA X X =

UM NA NA NA X NA =

UIM NA NA NA X NA =

PIP X ( +

) X NA X =

COMP.**

COLL.**

Total =

* For a private passenger auto not eligible for the Safe Driver Insurance Plan (Rule 26), add 0.20 to the class factor/primary factor otherwise applicable.

** Refer to the Private Passenger Physical Damage Coverage Rating Worksheet.

R–1 May 16, 2012 Draft



PRIVATE PASSENGER AUTO RATE CHAPTER

May 16, 2012 Draft R–2


NOTES





PRIVATE PASSENGER PHYSICAL DAMAGE COVERAGE RATING WORKSHEET

Refer to Rule 23 for premium development procedures.

Multiply down each column unless indicated otherwise, and round where applicable.

Comprehensive Collision

Model Year Factor

Symbol Factor

Round to two decimal places

Base Rates

Round to the nearest whole dollar

Class Factor/Primary Factor

Safe Driver Insurance Plan (Rule 26) + +

Secondary Factor (Rule 26) + +

Combined Rating Factor


Deductible Factor (Rule 29)

Premium (Round to the nearest whole dollar)





CPAI* All Territories/All Classes

$975

* CPAI refers to Certified Public Assistance Insureds receiving a PIP policy at no cost.

Non-CPAI Private Passenger Autos

Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked

$20,000/40,000 Nonstacked

UM UIM UM UIM

01 $614 $180 $297 $218 $150 $109 $75

03 587 145 349 218 150 109 75

04 407 124 212 218 150 109 75

05 607 157 340 218 150 109 75

431:10C-407(b)(1)(E) Eligible Insureds Only Private Passenger Autos

Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $338 $180 $194 $218 $150 $109 $75

03 308 145 227 218 150 109 75

04 213 124 122 218 150 109 75

05 364 157 212 218 150 109 75

Territory

$500 Per Month Wage Loss

Benefit

AlternativeProviders

Services with Maximum $75 per

Visit, 30 Visits

$25,000 Death

Benefit

$2,000 Funeral Benefit

01 $30 $64 $6 $1

03 35 75 6 1

04 21 46 6 1

05 34 73 6 1

PHYSICAL DAMAGE BASE RATES

Territory $100 DeductibleComprehensive

$250 Deductible Collision

01 $162 $516 03 65 460 04 92 448 05 75 574





Class Factors/Primary Rating Factors

Class RBI PD PIP

Stacked Nonstacked WageLoss

Benefit

Alternative Providers Services

Death Benefit

FuneralBenefitUM UIM UM UIM

1A 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

1B 1.100 1.100 1.100 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

3 1.500 1.500 1.500 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


Class Comprehensive Collision

1A 1.000 1.0001B 1.000 1.000 3 1.150 1.150

MODEL YEAR FACTORS

Model Year Comprehensive Collision

2013 1.10 1.10 2012 1.05 1.05 2011 1.00 1.00 2010 0.95 0.94 2009 0.90 0.88 2008 0.86 0.83 2007 0.81 0.76 2006 0.77 0.70 2005 0.74 0.66 2004 0.70 0.62 2003 0.66 0.58 2002 0.63 0.55 2001 0.60 0.51

1990—2000 0.57 0.48 1989 and Prior Model Years—Refer to Rule 2.





SYMBOL FACTORSModel Years 2011 and Subsequent

Symbol Comprehensive Collision Symbol Comprehensive Collision01 0.66 0.66 41 5.49 2.6402 0.81 0.82 42 5.64 2.69 03 1.00 1.00 43 5.77 2.72 04 1.23 1.15 44 5.91 2.75 05 1.40 1.22 45 6.04 2.78 06 1.55 1.27 46 6.19 2.82 07 1.72 1.31 47 6.36 2.87 08 1.85 1.37 48 6.53 2.90 10 2.00 1.43 49 6.70 2.94 11 2.13 1.49 50 6.85 2.99 12 2.26 1.54 51 7.02 3.03 13 2.36 1.58 52 7.19 3.06 14 2.47 1.61 53 7.34 3.10 15 2.60 1.66 54 7.60 3.16 16 2.70 1.69 55 7.91 3.24 17 2.83 1.73 56 8.26 3.33 18 2.96 1.78 57 8.60 3.42 19 3.06 1.82 58 9.13 3.57 20 3.17 1.85 59 9.83 3.75 21 3.28 1.90 60 10.55 3.93 22 3.38 1.94 61 11.30 4.15 23 3.49 1.99 62 12.06 4.42 24 3.60 2.01 63 12.85 4.67 25 3.70 2.06 64 13.64 4.94 26 3.79 2.09 65 14.40 5.19 27 3.89 2.12 66 15.57 5.58 28 4.00 2.16 67 17.15 6.10 29 4.09 2.19 68 18.70 6.63 30 4.19 2.24 69 20.26 7.15 31 4.30 2.27 70 21.83 7.66 32 4.38 2.30 71 23.40 8.18 33 4.47 2.34 72 24.98 8.70 34 4.57 2.37 73 26.55 9.22 35 4.66 2.40 74 28.13 9.75 36 4.79 2.45 75 29.70 10.27 37 4.94 2.49 38 5.09 2.54 39 5.21 2.57 98 * * 40 5.36 2.61

* For Autos assigned Symbol 98 increase the Symbol 70 factor by +1.57 for Comprehensive and +0.52 for Collision for each $10,000 above the $150,000 Original Cost New.





SYMBOL FACTORS Model Years 1990 thru 2010

Symbol Comprehensive Collision

1 0.75 0.85 2 1.00 1.00 3 1.21 1.09 4 1.37 1.16 5 1.54 1.22 6 1.71 1.28 7 1.87 1.35 8 2.04 1.42 10 2.23 1.49 11 2.44 1.56 12 2.68 1.64 13 2.91 1.72 14 3.18 1.82 15 3.51 1.94 16 3.82 2.05 17 4.12 2.16 18 4.41 2.27 19 4.77 2.40 20 5.19 2.53 21 5.67 2.66 22 6.27 2.82 23 6.93 2.99 24 7.90 3.23 25 9.17 3.54 26 10.43 3.85 27 * **

* Increase the factor for Symbol 26 by 1.25 for each $10,000 or fraction thereof above $80,000 of Original Cost New.

** Increase the factor for Symbol 26 by .30 for each $10,000 or fraction thereof above $80,000 of Origi-nal Cost New.



C–1



COMMERCIAL AUTO CHAPTERS

C–2


NOTES


C–3 May 16, 2012 Draft


COMMERCIAL GENERAL RULES CHAPTER


A. Determine the applicable base rate from the Premium Development Rule in the appropriate chapter of this Manual.


1. Trucks, tractors, and trailers are rated under the Trucks, Tractors, and Trailers Chapter.

EXCEPTIONS: 1. Pickups and vans with gross vehicle weights of 10,000 pounds or less are rated un-der the Private Passenger Chapter if the both of the fol-lowing criteria are met:

a. The auto is owned or leased for a continuous period of one year or more by an individual, by a husband and wife who are residents of the same household, or by parties who have en-tered into a civil union under Hawaii law who are residents of the same household.

b. The auto is not used for delivery or transporta-tion of goods and mate-rials, unless such use is incidental to the in-sured’s occupation as a craftsman, farmer, in-staller, or repairer of furnishings or equip-ment.

2. All other pickups and vans not used for business pur-poses are rated under the Private Passenger Types Chapter.

2. Private passenger autos that are part of a fleet or owned by other than natural persons are rated under the Private Passenger Types Chapter.

3. Public transportation autos are rated under the Public Transportation Chapter.

4. Named nonowner policies are rated under the Private Passenger Chapter.

5. All other commercial autos are rated under the Special Types and Operations Chapter.

C. Residual Bodily Injury and Property Damage Liability Coverage

1. If increased limits (Rule 52) apply, multiply the rate determined above by the appropriate factor. In-creased limit factors are to be applied to minimum coverage premiums, but not the minimum policy premium.

2. If additional charges for accidents and convictions (Rule 53) apply, increase the rates determined above by the appropriate factor. Additional charges

are applicable to minimum coverage premiums, but not the minimum policy premium.

3. If a certified risk—financial responsibility filing (Rule 3) is required, increase the rates determined above by the appropriate factor.

4. Refer to experience rating plan (Rule 54) for applicability.


Refer to Rule 55 for determination of the appropriate premium.

E. Personal Injury Protection Coverage

1. To determine the rate for risks of the commercial auto or private passenger type covered by Work-er’s Compensation insurance, apply a factor of .60 to the otherwise applicable personal injury protec-tion rate.


3. If additional charges for accidents and convictions (Rule 53) apply, increase the rates determined above by the appropriate factor. Additional charges are applicable to minimum coverage premiums, but not the minimum policy premium.


F. Physical Damage Coverage

1. Based on the age group and Original Cost New (Rule 56) of the auto, determine the physical damage rate from the appropriate physical damage table shown on the rate schedules.

2. If different deductibles (Rule 57) apply, multiply the rate determined above by the appropriate factor.



NOTE 1: For private passenger autos, refer to the Private Passenger Chapter

NOTE 2: For factors for limits required by law that are not shown, refer to Rule 2.

A. The increased limits table below shows the factors to be applied to the $20,000/40,000 residual bodily injury liability and $10,000 property damage liability rates for increased limits:

Table 1

RBI Limits

Light and Medium Trucks

Heavy Trucksand Truck-

Tractors

$50,000/100,000 1.680 1.680 100,000/300,000 2.200 2.200 300,000/300,000* 3.000 3.000 300,000/600,000* 3.030 3.030


COMMERCIAL GENERAL RULES

May 16, 2012 Draft C–4


Table 1

RBI Limits

Extra Heavy Trucks and

Truck-Tractors

Private Passenger

Types All Other

Risks

$50,000/100,000 1.680 1.680 1.680 100,000/300,000 2.200 2.200 2.200 300,000/300,000* 3.000 3.000 3.000 300,000/600,000* 3.030 3.030 3.030

* Where required by law or contract

Table 1A

PD Limits



Tractors

$15,000 1.06 1.06 20,000 1.10 1.10 30,000 1.14 1.14 50,000* 1.17 1.17

Table 1A

PD Limits


Truck-Tractors

Private Passenger

Types All Other

Risks

$15,000 1.06 1.05 1.06 20,000 1.10 1.07 1.10 30,000 1.14 1.09 1.14 50,000* 1.17 1.11 1.17


B. Minimum coverage premiums are subject to increased limit factors.

Rule 53. ADDITIONAL CHARGES

A. This Rule applies to all risks rated in the commercial chapters except the following

1. Leasing and rental concerns

2. Experience rated risks

B. Determination of Additional Charges

1. New Business

a. Initial information necessary to apply additional charges will be obtained from an application signed personally by the applicant.


2. Renewal Business

Information necessary to apply additional charges will be determined from any one or combination of the following:

a. Company's own records

b. Motor vehicle records

c. An application signed by the applicant and producer.



D. Apply additional charges for the following:







NOTES:



F. Additional Charges for Accidents and Convictions

1. Accidents

a. Public Livery Autos or Taxicabs

Assign two penalty points for each auto acci-dent resulting in bodily injury or death or dam-age to property.

b. All Others

Apply an additional charge factor of 1.35 for involvement as an operator or owner in an au-to accident resulting in injury to or death of any person or damage to property

EXCEPTIONS: Do not apply penalty points additional charges for the follow-ing accidents:

1. For public livery autos and taxicabs for which penalty points are assigned under paragraphs F.2.a.(1) through F.2.a.(6) of this Rule.

2. The auto was lawfully parked

3. The auto was struck by a hit-and-run driver, if such accident was reported to the proper au-thority within 24 hours

4. The applicant or other person who usually drives the applicant’s auto obtained a judg-ment against, or a settlement from or on behalf of, the owner or operator of another auto in-volved in such accident, if the judgment or set-tlement was obtained prior to the date of appli-cation or, in case of renewal, prior to the effec-tive date of the renewal policy, and provided no judgment was obtained against, nor any





amount paid in settlement by or on behalf of, the applicant or other person who usually drives the applicant’s auto, as a result of such accident

5. Neither the applicant nor other person who usually drives the applicant’s auto was con-victed of a moving traffic violation, and the owner or operator of another auto involved was so convicted

6. Accident resulting in payment under personal injury protection or additional personal injury protection and applicant or other operator re-siding in the same household is not at fault



9. If the auto was struck in the rear by another auto and the applicant or other operator has not been convicted of a moving violation in connection with the accident

2. Convictions


Penalty Points for

Each Conviction

(1) Driving an auto while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property results therefrom 8

(2) Revocation of privilege to drive auto upon refusal to submit to test where injury to person or damage to property results therefrom 8

(3) Failing to stop and report when involved in an accident 8

(4) Homicide or assault arising out of the operation of an auto 8

(5) Driving an auto at an excessive rate of speed where injury to person or damage to property results therefrom 6

(6) Driving an auto in a reckless manner where injury to person or damage to property results therefrom 6

(7) Driving an auto while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property does not result therefrom 6

Penalty Points for

Each Conviction

(8) Revocation of privilege to drive auto upon refusal to submit to test where injury to person or damage to property does not result therefrom 6

(9) Operating an auto during period of revocation or suspension of registration or license, not including points assignable for any accident that may result 5

(10) Operating an auto without state or owner’s authority, not including points assignable for any accident that may result 5

(11) Loaning operator’s license to an unlicensed operator 5

(12) The making of false statements in the application for license or registration 5

(13) Impersonating an applicant for license or registration, or procuring a license or registration through impersonation whether for himself, herself, or another 5

(14) Driving an auto in a reckless manner where injury to person or damage to property does not result therefrom 4

(15) Permitting an unlicensed person to drive 4

Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-

tion (16) Driving an auto at an

excessive rate of speed where injury to person or damage to property does not result therefrom 3 4

(17) Operating an auto without auto insurance 3 4





Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-

tion (18) Any moving traffic

violation other than those set forth above, unless the conviction resulted from an accident for which points are assignable, in which case assign only the points for the accident 1 2

b. All Others

Apply an additional charge factor of 1.35 if the applicant or anyone who usually operates the auto has been convicted of any of the following violations:

(1) Driving an auto while under the influence of intoxicating liquor or narcotic drugs

(2) Revocation of privilege to drive auto upon refusal to submit to test

(3) Failing to stop and report when involved in an accident

(4) Homicide or assault arising out of the op-eration of an auto

(5) Driving an auto at an excessive rate of speed where injury to person or damage to property results therefrom

(6) Driving an auto in a reckless manner where injury to person or damage to property results therefrom

(7) Operating an auto during period of revo-cation or suspension of registration or li-cense

(8) Operating an auto without state or owner’s authority

(9) Loaning operator’s license to an unli-censed operator

(10) Permitting an unlicensed person to drive

(11) The making of false statements in the ap-plication for license or registration

(12) Impersonating an applicant for license or registration, or procuring a license or reg-istration through impersonation whether for himself, herself, or another

(13) Operating an auto without auto insurance

(14) A second or subsequent conviction of any other moving traffic offense unless all such convictions arise out of a single inci-dent or occurrence

EXCEPTIONS: Convictions for the following will not be regarded as moving traffic violations:

1. Any motor vehicle equipment requirement of the motor vehicle and traffic laws, except brakes

2. Failure to display proper number plates pro-vided such plates are in existence

3. Failure to have operator’s or chauffeur’s license provided there is one in existence

G. Point Value Additional Charges—Public Livery Autos and Taxicabs Only


Additional Charge Factor

1 1.05 2 1.10 3 1.15 4 1.50 5 1.75 6 2.00 7 2.50

H. Multiauto Risks

1. Public Livery Autos and Taxicabs

Apply penalty points first to the highest rated auto, and any penalty points in excess of seven to the next highest rated auto or autos in succession.

2. All Others

Apply additional charges first to the auto that will produce the highest dollar amount, and succes-sively to the next such auto on as many autos as there are persons subject to additional charges.

Rule 54. EXPERIENCE RATING

Residual Bodily Injury and Property Damage Liability Coverage Only

A. New Business

1. All applications for risks eligible for experience modification under this Plan must indicate under Remarks Section that such modifications shall be applied to the risk.

2. Submissions

HJUP servicing carriers shall promulgate and submit a copy of the completed experience modifi-cation form to the HJUP Bureau for any eligible risk.

3. Completed experience modification form(s) must be submitted to the HJUP Bureau within 120 days of the inception of a policy(s). If experience is not obtainable within this time period, the risk shall not be experience rated until the inception date of the renewal on the basis of experience applicable to the renewal period.

B. Renewal Business

1. Definition

Any auto policy renewed by the same servicing carrier without lapse in coverage.





2. Submissions

The servicing carrier shall complete and submit to the HJUP Bureau on renewal date or within 15 days thereafter, a rating application form for each eligible renewal risk rated. In the case of auto insurance where required by ordinance or govern-mental authority, the application shall be submitted at least ten days prior to the date by which evi-dence of insurance must be filed with administra-tive authorities.

C. All promulgated experience modifications submitted under this Plan should be implemented immediately. These submitted forms are subject to review for completeness and accuracy and may be rejected accordingly by the HJUP Bureau.

D. Availability Of Experience Modifications Promulgations

Experience modification promulgated for any risk shall be available to any other servicing carrier upon request with the servicing carrier of that risk. Experience may not be obtained from the HJUP Bureau.

E. Basis Of Promulgation

1. Term and Minimum Premiums

Each promulgated modification shall be established for a term of one year and to be applicable to the Manual rates and minimum premiums for the insurance included in the rating of the risk.

2. Multipolicy Risks

In the event a risk involves two or more policies with different effective dates, with the same servic-ing carrier, the promulgated rate shall apply to such policies for the effective period of the modification and throughout the full term of such policies expir-ing not more than three months after the estab-lished expiration date of the modification.

F. Eligibility

1. The experience modification determined hereunder shall apply at policy inception or renewal. No midterm adjustment in the experience modification is permitted.

2. The term “risk” as used in this Plan means the exposures of any one insured that are to be rated.

Any risk meeting the following qualifications for residual bodily injury and property damage liability exposures shall be rated under this Plan:

Five or more private passenger or commercial autos or three or more public autos except taxi-cabs, all under the same ownership and manage-ment, or the equivalent of such exposure for autos hired by the risk.

3. The experience of two or more risks may be combined for rating purposes provided that:

a. A majority financial interest in such risks is held by the same person, group of persons, corporation, or registered copartnership; or

b. A financial interest in such risks is held by the same person, group of persons, corporation, or registered copartnership and the elements controlling accident frequency and accident

severity are sufficiently common to anticipate reasonably a uniform experience.

4. Once combined, such experience may not be separated except by filing of a revised experience rating form. These filed forms are subject to review by the HJUP Bureau and may be rejected accord-ingly.

G. Experience Period

Experience period shall not be less than one year nor more than three years, commencing four years and terminating one year prior to the date for which the experience modification is to be established. Completed policy periods only shall be used. If part of the earliest policy period falls outside of the normal three-year maximum period, such earliest policy period shall be retained in full, provided the entire experience period does not then exceed 3½ years, and shall be rejected in full if its retention increases the experience period beyond 3½ years.

H. Experience Used

The experience modification shall be determined from experience incurred by all companies licensed in this state and all states, for the forms of automobile liability insurance to be rated.

If the risk has been self-insured, the experience must be submitted to the servicing carrier in the form prescribed by the servicing carrier and signed by the insured. Experience in such form shall be given credence in accordance with its apparent credibility.

I. Determination of Experience Modification

1. For the determination of experience modifications, the term “basic limits” shall mean the following limits of liability:

For Policies Written During Experience Period at Split Limits of Liability

$20,000/40,000 residual bodily injury limits and $10,000 property damage limit

2. Basic Limits Premium Subject to Experience Rating

The basic limits premium shall be the collected premium for the experience period converted to a basic limits basis and adjusted to eliminate the effect of any experience or other rate modification applied and any discount allowed for a policy term of more than one year.

3. Basic Limits Losses Subject to Experience Rating

The losses to be included in the rating shall be the total of the following:

a. Paid and outstanding losses (including allocat-ed claim expense) for each year in the experi-ence period, with the indemnity amount limited to basic limits, and with the amount of indemni-ty and allocated claim expense resulting from any single occurrence limited by the maximum single loss (MSL) value specified in the Credi-bility and Maximum Single Loss Table, based on the basic limits premium subject to experi-ence rating.

b. Adjustment to reflect ultimate level of losses for each year in the experience period, calcu-lated by multiplying the premium (P) for that





year by the adjusted expected loss ratio (AELR) and by the appropriate basic limits loss development factor (LDF), where

(1) P is the adjusted basic limits premium for the particular type of coverage for each year in the experience period;

(2) AELR is the adjusted expected loss ratio specified in the Credibility and Maximum Single Loss Table, based on the total basic limits premium subject to experience rating;

(3) LDF is the appropriate basic limit loss de-velopment factor applicable to expected losses (Premium x AELR). Before deter-mination of the actual loss ratio, the ex-pected losses shall first be adjusted by the following loss development factors:

Commercial Autos

Latest Policy Year

1st Prior Policy Year

2nd Prior Policy Year

20/40 Residual Bodily Injury .258 .133 .060 $10,000 Property Damage .037 .005 .000

Garages 20/40 Residual Bodily Injury .264 .127 .061 $10,000 Property Damage .049 .000 .000

Note: These factors are to be applied to the product of the AELR and the premium for the particular coverage and year in order to determine the adjustment to reflect ultimate level of losses.

If breakdown of the premium by coverage is not available, an average LDF may be obtained by combining the applicable factors by coverage, taking into consideration the amount of the risk’s

total exposures or losses in each category as of the last survey or evaluation.

4. Actual Loss Ratio

Determine the actual loss ratio by dividing the basic limits losses subject to experience rating by the basic limits premium subject to experience rating.

5. Credibility

The credibility for the risk is obtained from the Credibility and Maximum Single Loss Table, based on the total basic limits premium subject to experi-ence rating.

a. If the actual loss ratio is less than the adjusted expected loss ratio, the experience modifica-tion is a credit that shall be determined as fol-lows:

onModificatiExperience =y Credibilit X

Ratio LossExpected Adjusted

Ratio LossActual _ Ratio Loss Expected

Adjusted

b. If the actual loss ratio is greater than the adjusted expected loss ratio, the experience modification is a debit that shall be determined as follows:



Ratio LossExpectedAdjusted _ Ratio Loss

Actual





AUTO LIABILITY EXPERIENCE RATING CREDIBILITY AND MAXIMUM SINGLE LOSS TABLE

SUBJECT PREMIUM CRED AELR MSL



1–914 0.01 0.369 6700 33024–34488 0.36 0.449 12650 143391–150526 0.71 0.547 33950 915–1538 0.02 0.371 6800 34489–36000 0.37 0.452 12900 150527–158182 0.72 0.549 35300

1539–2176 0.03 0.373 6900 36001–37561 0.38 0.455 13200 158183–166415 0.73 0.552 36750 2177–2827 0.04 0.375 7050 37562–39174 0.39 0.458 13500 166416–175294 0.74 0.554 38300 2828–3492 0.05 0.377 7150 39175–40840 0.40 0.461 13800 175295–184898 0.75 0.555 40000 3493–4171 0.06 0.379 7250 40841–42564 0.41 0.464 14150 184899–195319 0.76 0.557 41800 4172–4865 0.07 0.381 7350 42565–44348 0.42 0.466 14500 195320–206667 0.77 0.559 43750 4866–5574 0.08 0.383 7500 44349–46195 0.43 0.469 14800 206668–219070 0.78 0.561 45850 5575–6298 0.09 0.385 7600 46196–48108 0.44 0.472 15200 219071–232683 0.79 0.562 48200 6299–7039 0.10 0.387 7750 48109–50092 0.45 0.475 15550 232684–247692 0.80 0.564 50750 7040–7797 0.11 0.389 7850 50093–52150 0.46 0.478 15950 247693–264324 0.81 0.565 53550 7798–8571 0.12 0.391 8000 52151–54286 0.47 0.481 16350 264325–282857 0.82 0.566 56650 8572–9364 0.13 0.393 8150 54287–56505 0.48 0.484 16750 282858–303636 0.83 0.568 60100

9365–10175 0.14 0.395 8250 56506–58812 0.49 0.487 17200 303637–327097 0.84 0.569 64000 10176–11006 0.15 0.397 8400 58813–61212 0.50 0.490 17650 327098–353333 0.85 0.570 68350 11007–11856 0.16 0.399 8550 61213–63711 0.51 0.493 18100 353334–380000 0.86 0.571 73000 11857–12727 0.17 0.402 8700 63712–66316 0.52 0.496 18600 380001–406667 0.87 0.571 77500 12728–13620 0.18 0.404 8850 66317–69032 0.53 0.499 19100 406668–433333 0.88 0.572 81900 13621–14534 0.19 0.406 9050 69033–71868 0.54 0.502 19650 433334–460000 0.89 0.572 86200 14535–15472 0.20 0.408 9200 71869–74831 0.55 0.505 20200 460001–486667 0.90 0.573 90350 15473–16433 0.21 0.411 9350 74832–77931 0.56 0.508 20800 486668–513333 0.91 0.573 94450 16434–17419 0.22 0.413 9550 77932–81176 0.57 0.511 21400 513334–540000 0.92 0.573 98450 17420–18431 0.23 0.416 9700 81177–84578 0.58 0.514 22000 540001–566667 0.93 0.574 102400 18432–19470 0.24 0.418 9900 84579–88148 0.59 0.517 22700 566668–593333 0.94 0.574 106200 19471–20537 0.25 0.420 10100 88149–91899 0.60 0.519 23350 593334–620000 0.95 0.574 109950 20538–21633 0.26 0.423 10300 91900–95844 0.61 0.522 24100 620001–646667 0.96 0.574 113650 21634–22759 0.27 0.425 10500 95845–100000 0.62 0.525 24850 646668–673333 0.97 0.574 117200 22760–23916 0.28 0.428 10700 100001–104384 0.63 0.528 25650 673334–700000 0.98 0.574 120750 23917–25106 0.29 0.431 10900 104385–109014 0.64 0.530 26500 700001–726667 0.99 0.574 124200 25107–26331 0.30 0.433 11150 109015–113913 0.65 0.533 27400 726668 and Over 1.00 0.575 127550 26332–27591 0.31 0.436 11350 113914–119104 0.66 0.535 28350 27592–28889 0.32 0.438 11600 119105–124615 0.67 0.538 29350 28890–30226 0.33 0.441 11850 124616–130476 0.68 0.540 30400 30227–31603 0.34 0.444 12100 130477–136721 0.69 0.543 31500 31604–33023 0.35 0.447 12350 136722–143390 0.70 0.545 32700



May 16, 2012 Draft C–10




1. Uninsured motorists coverage will be provided on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of an auto registered or principally garaged in Hawaii.

EXCEPTIONS:


(1) uninsured motorists coverage in its entire-ty; or

(2) stacked uninsured motorists coverage and select nonstacked coverage; or



2. Coverage Options

The option to reject stacked uninsured motorist coverage will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

If the named insured does not reject stacked uninsured motorists coverage in writing, stacked coverage must apply to all autos insured under the policy.

If the named insured rejects the stacked uninsured motorists coverage option in writing, nonstacked coverage must apply to all autos insured under the policy.


3. Rates

The rates set forth on the rate sheets are for $20,000/40,000 uninsured motorist coverage.

4. Limits

Increased limits for uninsured motorist coverage will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for uninsured motorist coverage.


1. Underinsured motorists coverage will be provided on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of an auto registered or principally garaged in Hawaii.

EXCEPTIONS:


(1) underinsured motorists coverage in its en-tirety; or

(2) stacked underinsured motorists coverage and select nonstacked coverage; or



2. Coverage Options


If the named insured does not reject the stacked underinsured motorists coverage in writing, stacked coverage must apply to all autos insured under the policy.

If the named insured rejects the stacked underin-sured motorists coverage option in writing, nonstacked coverage must apply to all autos insured under the policy.


3. Rates

The rates set forth on the rate sheets are for $20,000/$40,000 underinsured motorists coverage.

4. Limits

Increased limits for underinsured motorists cover-age will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorists coverage.

C. The premium will not be subject to modification under the provisions of any rating plan or other Manual rules.

Rule 56. AGE GROUP

A. Determine the age group as follows:

Age Groups

Definition

1— All autos of the current model year 2— All autos of the first preceding model year 3— All autos of the second preceding model

year 4— All autos of the third preceding model year 5— All autos of the fourth preceding model year 6— All autos of the fifth preceding model year

NOTES: 1. The current model year changes October 1, regardless of the actual date the models are introduced.



C–11 May 16, 2012 Draft


2. For rebuilt or structurally altered autos, the age of the chassis determines the age of the auto.

B. Original Cost New

Determine the Original Cost New as follows:

1. Original Cost New is the retail cost the original purchaser paid for the auto and its equipment. This includes the value of any trade-in auto and any federal, state, and local sales taxes or any other taxes charged in place of sales taxes.

2. If the Original Cost New is not known, multiply the Original Cost New of the chassis by 1.33.


The option to purchase a deductible under personal injury protection and physical damage coverage described below must be offered to the named insured. Factors applicable to basic rates:

A. Personal Injury Protection

Multiply the base rate from the rate schedules by the following factors:

Deductible Factor $100 .95 300 .90 500 .85

1,000 .80

B. Physical Damage

Multiply the rate from the rate schedules by the following factors:

1. Comprehensive

Deductible

FactorsPrivate

Passenger Types All

Other Full 1.508 1.438 $50 1.160 1.150 100 1.000 1.000 250 0.900 0.900 500 0.775 0.775

1,000 0.581 0.581 1,500 0.481 0.481 2,000 0.419 0.419

2. Collision

Deductible

FactorsPrivate

Passenger Types All Other $50 1.413 1.344 100 1.130 1.120 250 1.000 1.000 500 0.930 0.930

1,000 0.780 0.780 1,500 0.640 0.663 2,000 0.538 0.538


C–12


NOTES


C–13 May 16, 2012 Draft


TRUCKS, TRACTORS, AND TRAILERS CHAPTER

For the purposes of this Chapter, the words “regular” and “regularly” mean that the operations are contemplated, planned, or expected.


This Chapter applies to trucks, truck-tractors, trailers, and semitrailers including pickups and vans (other than those rated under the provisions of the Private Passenger or Private Passenger Type Chapters of this Manual) and not specifically treated in the Public or Special Types and Operations Chapters of this Manual. This Chapter does not apply to autos exempt from Chapter 431:10C, Hawaii Revised Statutes.


A. This Rule applies to

1. all light trucks and trailers used with light trucks; and

2. all other trucks, tractors, and trailers.

B. Determine the rating territory from the territory definitions based on the street address of principal garaging.

C. Determine the classification rating factor as follows:

1. Determine whether the risk is classified as fleet or nonfleet according to the Trucks, Tractors, and Trailers Classifications Rule.

2. Determine the primary rating factor from the Trucks, Tractors, and Trailers Classifications Rule based on size class, business use class, and radius class.

3. Determine the secondary rating factor, if any, from the Trucks, Tractors, and Trailers Classifications Rule based on the special industry classifications.

4. Determine the combined rating factor by adding the secondary rating factor to or subtracting it from the primary rating factor.

D. Premium Development—Residual Bodily Injury and Property Damage Liability Coverage

1. Determine the base rate from the rate schedules.

2. Multiply the base rate by the combined rating factor, as determined in paragraph C above.

Exception: For trailers and semitrailers, multiply the premium determined above by the primary rating factor.

3. Refer to the special provisions in Rule 73.D for applicability.

4. Refer to Rule 51 in the Commercial General Rules Chapter of this Manual for further development of the total premium.

E. Premium Development—Personal Injury Protection Coverage

1. Trucks and Tractors

a. Determine the base rate from the rate sched-ules.

b. Multiply the base rate by the combined rating factor, as determined in paragraph C above.

c. Refer to Rule 51 in the Commercial General Rules Chapter of this Manual for further devel-opment of the total premium.

2. Trailers


b. Multiply the base rate by the primary rating factor.

c. Secondary rating factors do not apply.

d. Refer to Rule 51 in the Commercial General Rules Chapter of this Manual for further devel-opment of the total premium.

F. Premium Development—Physical Damage Coverage


2. Multiply the physical damage rates developed above by the factor displayed on the rate sched-ules based on whether or not the auto is used in dumping operations or not used in dumping opera-tions.


4. Multiply the premium determined above by the physical damage combined rating factors, as determined in paragraph C above.




Rule 73. TRUCKS, TRACTORS, AND TRAILERS CLASSIFICATIONS

Classify trucks, tractors, and trailers as follows:

A. Fleet—Nonfleet Classifications


2. Do not include trailers in determining if the risk is a fleet, but apply the fleet classification to the trailers if the risk otherwise is classified as a fleet.

3. Classify the autos of any other risk as nonfleet.

4. Do not change the fleet or nonfleet classification because of midterm changes in the number of owned autos except at the request of the insured. The policy must be cancelled and rewritten in accordance with the Cancellations Rule.


TRUCKS, TRACTORS, AND TRAILERS

C–14


B. Primary Classifications

1. Gross vehicle weight (GVW) and gross combina-tion weight (GCW) mean

a. GVW—The maximum loaded weight for which a single auto is designed as specified by the manufacturer;

b. GCW—The maximum loaded weight for a combination truck-tractor and semitrailer or trailer for which the truck-tractor is designed, as specified by the manufacturer.

2. Size Class

a. Light Trucks—Trucks that have a GVW of 10,000 pounds or less.

b. Medium Trucks

(1) Trucks that have a GVW of 10,001–20,000 pounds.

(2) Include crawler type trucks in this class.

c. Heavy Trucks—Trucks that have a GVW of 20,001–45,000 pounds.

d. Extra Heavy Trucks—Trucks that have a GVW over 45,000 pounds.

e. Truck-Tractors—A truck-tractor is a motorized auto with or without body for carrying commod-ities or materials, equipped with fifth wheel coupling device for semitrailers.

(1) Heavy Truck-Tractors—Truck-tractors that have a GCW of 45,000 pounds or less.

(2) Extra Heavy Truck-Tractors—Truck- trac-tors that have a GCW over 45,000 pounds.

f. Semitrailers—A semitrailer is a trailer equipped with fifth wheel coupling device for use with a truck-tractor with load capacity over 2,000 pounds. This includes bogies used to convert containers into semitrailers.

g. Trailers—Any trailer with load capacity over 2,000 pounds, other than semitrailer.

h. Service or Utility Trailer—Any trailer or semitrailer with load capacity of 2,000 pounds or less.

3. Business Use Class

If a truck, tractor, or trailer has more than one use, use the highest rated classification.

a. Service Use—For transporting the insured’s personnel, tools, equipment, and incidental supplies to or from a job location.

This classification is confined to autos princi-pally parked at job locations for the majority of the working day or used to transport supervi-sory personnel between job locations. This classification applies to autos that have re-duced exposure because their use is closely associated with the installation or service of appliances, fixtures, equipment, and other products. It includes autos used by artisan-type risks, such as carpenters, plumbers, and contractors. The delivery of a product to be in-stalled or that has been repaired does not dis-qualify the auto from this classification.

b. Retail Use—Autos used to pick up property from or deliver property to individual house-holds. Deliveries of heating fuel, milk, grocer-ies, drugs, and laundry are examples of the exposures in this classification. This class also includes parcel post and mail delivery where deliveries are primarily to private households.

c. Commercial Use—Autos used for transporting property other than those autos defined as service or retail and all truckers.

4. Radius Class

Determine radius on a straight line from the street address of principal garaging.

a. Local—Up to 50 Miles—The auto is not regu-larly operated beyond a radius of 50 miles from the street address where such auto is principally garaged.

b. Intermediate—51 to 200 Miles—The auto is operated beyond a radius of 50 miles but not regularly beyond a radius of 200 miles from the street address where such auto is princi-pally garaged.

5. Primary Classifications—Rating Factors—See tables on pages C-15 and C-16.



C–15 May 16, 2012 Draft


FLEET—PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS

Size Class Business Use Class

Radius ClassLocal Up to 50 Miles Intermediate 51 to 200 Miles

RBI, PD, & PIP Comp. & Coll RBI, PD, & PIP Comp. & Coll.

Light Trucks (0–10,000 lbs. GVW)

Service Factor CD

1.00 014– –

1.00 014– –

1.00 015– –

1.00 015– –

Retail Factor CD

1.60 024– –

1.60 024– –

1.60 025– –

1.60 025– –

Commercial Factor CD

1.40 034– –

1.40 034– –

1.40 035– –

1.40 035– –

Medium Trucks (10,001–20,000

GVW)

Service Factor CD

1.05 214– –

1.05 214– –

1.05 215– –

1.05 215– –

Retail Factor CD

1.65 224– –

1.65 224– –

1.65 225– –

1.65 225– –


1.90 234– –

1.90 234– –

1.90 235– –

1.90 235– –

Heavy Trucks (20,001–45,000 lbs.

GVW)

Service Factor CD

1.40 314– –

1.40 314– –

1.40 315– –

1.40 315– –

Retail Factor CD

2.35 324– –

2.35 324– –

2.35 325– –

2.35 325– –


2.50 334– –

2.50 334– –

2.50 335– –

2.50 335– –

Extra Heavy Trucks (Over 45,000

lbs. GVW) Factor CD

2.75 404– –

2.75 404– –

2.75 405– –

2.75 405– –

Heavy Truck-Tractors (0–45,000

lbs. GCW)

Service Factor CD

1.45 344– –

1.45 344– –

1.45 345– –

1.45 345– –

Retail Factor CD

2.40 354– –

2.40 354– –

2.40 355– –

2.40 355– –


2.55 364– –

2.55 364– –

2.55 365– –

2.55 365– –

Extra Heavy Truck-Tractors(Over

45,000 lbs. GCW) Factor CD

2.80 504– –

2.80 504– –

2.80 505– –

2.80 505– –

Trailer Types

Semitrailers Factor CD

.25 674– –

.25 674– –

.25 675– –

.25 675– –

Trailers Factor CD

.25 684– –

.25 684– –

.25 685– –

.25 685– –

Service or Utility Trailer(0–2,000 lbs. Load Capacity)

Factor CD

.00 694– –

.25 694– –

.25 695– –

.25 695– –

Note: For statistical coding information, refer to statistical plan in use by company.



C–16


NONFLEET—PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS





Service Factor CD

1.00 011– –

1.00 011– –

1.00 012– –

1.00 012– –

Retail Factor CD

1.60 021– –

1.60 021– –

1.60 022– –

1.60 022 –


1.40 031– –

1.40 031– –

1.40 032– –

1.40 032– –


GVW)

Service Factor CD

1.05 211– –

1.05 211– –

1.05 212– –

1.05 212– –

Retail Factor CD

1.65 221– –

1.65 221– –

1.65 222– –

1.65 222– –


1.90 231– –

1.90 231– –

1.90 232– –

1.90 232– –


GVW)

Service Factor CD

1.40 311– –

1.40 311– –

1.40 312– –

1.40 312– –

Retail Factor CD

2.35 321– –

2.35 321– –

2.35 322– –

2.35 322– –


2.50 331– –

2.50 331– –

2.50 332– –

2.50 332– –


lbs. GVW) Factor CD

2.75 401 – –

2.75 401 – –

2.75 402– –

2.75 402– –


lbs. GCW)

Service Factor CD

1.45 341– –

1.45 341– –

1.45 342– –

1.45 342– –

Retail Factor CD

2.40 351– –

2.40 351– –

2.40 352– –

2.40 352– –


2.55 361– –

2.55 361– –

2.55 362– –

2.55 362– –



2.80 501– –

2.80 501– –

2.80 502– –

2.80 502– –

Trailer Types


.25 671– –

.25 671– –

.25 672– –

.25 672– –

Trailers Factor CD

.25 681– –

.25 681– –

.25 682– –

.25 682– –


Factor CD

.00 691 –

.25 691 –

.00 692– –

.25 692– –




C–17 May 16, 2012 Draft


C. Secondary Classification—Special Industry Class

Where more than one secondary rating factor applies, use the highest rated classification.

Note: Except for autos owned by a farmer, these classifications are not applicable to light ser-vice trucks, trailers, or semitrailers.

Secondary Factor to Be Combined

with Primary Factor

Class Designator Classification All Autos Not

Described Above 1— Manufacturers—Autos in

excess of 10,000 pounds gross vehicle weight used to transport raw materials and finished and/or unfinished goods manufactured, processed, or constructed by the insured +0.40

2— Truckers—Autos used to haul or transport goods, materials, or commodities for another, other than autos used in moving operations +1.45

Tow Trucks for Hire +1.45 3— Food Delivery—Autos used by

food manufacturers to transport raw and finished products or used in wholesale distribution of food +0.20

4— Specialized Delivery—Autos used in deliveries subject to time and similar constraints, such as but not limited to armored cars, film delivery, magazines or newspapers, and mail and parcel post +0.45

5— Waste Disposal—Autos transporting salvage and waste material for disposal or resale +0.75

a. Auto dismantlers b. Building wrecking operators c. Garbage removal d. Junk dealers e. All others 6— Farmers—Autos owned by a

farmer, used in connection with the operation of his or her own farm and occasionally used to haul commodities for other farmers –0.50

7— Dump and Transit Mix Trucks and Trailers (IMPORTANT: Use these factors only when no other secondary classification applies including the truckers secondary classification.) –0.05

9— All Other—Not secondarily rated. 0.00

D. Special Provisions for Certain Risks

1. Truckers—If the business of the insured involves transporting materials or commodities for another, the Truckers Rule also applies.

2. Transporters of Liquid Products—A policy that covers an auto used for the bulk transportation of liquid products must exclude accidents resulting from the erroneous delivery of one liquid product for another, or the delivery of any liquid product into the wrong receptacle if the accident occurs after the operations have been completed. Attach the applicable Wrong Delivery of Liquid Products endorsement.

3. Amusement Devices—A policy that covers an auto with an amusement device mounted on it must cover the operation of the amusement device. Develop the additional premium by multiplying the trucks, tractors, and trailers residual bodily injury and property damage liability base premium by 1.60. The premium is for the period of coverage and not subject to any return.

4. Transporters of Explosives—A policy that covers an auto used for transporting explosives shall not be endorsed to exclude coverage for the explosion hazard. Develop the premium by multiplying the trucks, tractors, and trailers residual bodily injury and property damage liability and personal injury protection coverage base premiums by 3.00.

5. Rolling Stores—A policy that covers autos equipped as a rolling store must exclude product liability. Attach the applicable Rolling Stores en-dorsement.

6. Trailers or Semitrailers Used as Showrooms—To provide residual bodily injury and property damage liability coverage for trailers or semitrailers used as showrooms or salesrooms, multiply the trailer or semitrailer rating factor by 2.00. The policy must exclude product liability. Attach the applicable Rolling Stores endorsement.

For personal injury protection coverage, charge the full personal injury protection premiums for private passenger type autos for the territory in which the risk is located.

Rule 74. TRUCKERS

A. Eligibility

A trucker is a person, firm, or corporation in the business of transporting goods, materials, or commodities for another. Such a risk is still in the truckers classification even if it calls itself or advertises as a contractor, building contractor, building material dealer, sand and gravel hauler, or some other similar name. Autos used in moving operations are also truckers, even though they are not subject to the truckers secondary rating factors.

B. Premium Development—Residual Bodily Injury and Property Damage Liability, Personal Injury Protection, and Physical Damage Coverages

1. Transporting Exclusively for One Concern

For any person, firm, or corporation transporting property exclusively for one concern, classify and



C–18


rate the autos as though the autos are owned by such concern.

2. All Others

For all other persons, firms, or corporations trans-porting property for others, classify and rate owned and long term leased (i.e., one calendar year or

more and exclusive lease) autos on a specified auto basis.





C–19 May 16, 2012 Draft


TRUCKS, TRACTORS, AND TRAILERS WORKSHEET

Cover-age

Base Rate (Rate

Sched-ules and Rule 55)

Physical Damage

Deductible Factor

(Rule 57)

Primary Rating Factor

(Rule 73)


(Rule 73)


(Rule 52)

PIP Deductible

Factor (Rule 57)

Experience Rating Modification* (Rule 54) Or Additional Charge (Rule 53)

Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB. NA

X( +/- ) X NA X X

=

PD LIAB. NA

X( +/- )X NA X X

=

PIP NA

X( +/- ) NA X X X

=

UM NA

NA NA X NA X NA NA

=

UIM NA

NA NA X NA X NA NA

=

COMP. X X( +/- )X NA NA X

NA

=

COLL. X X( +/- )X NA NA X

NA

=

TOTAL =

* RBI and PD liability only.

Refer to Rule 3. Certified Risks Financial Responsibility Filings. Rule 51.E for Worker’s Compensation Insurance factor for Personal Injury Protection Coverage.

Rule 72. Premium Development for comprehensive premium development instructions. Rule 73.D. Special Provisions for Certain Risks.

C–20


NOTES


C–21 May 16, 2012 Draft


PRIVATE PASSENGER TYPES CHAPTER


A. A private passenger type auto is a

1. four-wheel auto of the private passenger, station wagon, or jeep type rated as part of a fleet or owned by other than natural persons;

2. pickup or van owned by other than natural persons and not used for business purposes;

3. pickup or van not used for business purposes with a gross vehicle weight over 10,000 pounds.

B. Classify as fleet the autos of any risk that has five or more self-propelled autos of any type that are under one ownership.


A. Determine the rating territory from the territory definitions based on the street address of principal garaging.


1. Nonfleet

Multiply the Private Passenger Types base rate on the rate schedules by .90.

2. Fleet

Charge the Private Passenger Types base rate on the rate schedules.


Charge the Private Passenger Types rate on the rate schedules.

D. Refer to Rule 51 in the Commercial General Rules Chapter of this Manual for further development of the total premium.


May 16, 2012 Draft C–22


NOTES


C–23 May 16, 2012 Draft


PUBLIC TRANSPORTATION CHAPTER

For the purposes of this Chapter, the words “regular” and “regularly” mean that operations are contemplated, planned, or expected.


This Chapter applies to autos registered or used for the transportation of members of the public.



1. all taxis, limousines, school, church, and urban buses, and van pools;

2. all other public autos that regularly operate within a 200-mile radius from the street address of principal garaging.

B. Determine the territory from the territory definitions based on the highest rated territory in the U.S.A. where the public auto is operated.


1. Determine whether the risk is classified as fleet or nonfleet according to the Public Auto Classifica-tions Rule.

2. Determine the primary rating factor from the Public Auto Classifications Rule based on use class and radius class. For van pools, the rating factor is based on seating capacity.

3. Determine the secondary rating factor, if any, from the Public Auto Classifications Rule based on the seating capacity.

4. Determine the combined rating factor by adding the secondary rating factor to, or subtracting it from, the primary rating factor.

D. Premium Development—Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages


2. For fleets, multiply the base rate by the following factors:

Auto Type Factor

Taxis and Limousines 1.10 School and Church Buses 1.20

3. Multiply the base rate by the combined rating factor.


E. Premium Development—Physical Damage Coverage



3. For comprehensive coverage on fleets, multiply the rate by the following factors:

Auto Type Factor

Limousines 0.85 School and Church Buses 0.85

All Other Buses 0.85

4. Multiply the rate by the combined rating factor.


Rule 93. PUBLIC AUTO CLASSIFICATIONS

A. If an auto has more than one use, use the highest rated classification.

B. Fleet—Nonfleet Classification





C. Primary Classifications

1. Radius Class—Determine radius on a straight line from the street address of principal garaging.


b. Intermediate—51 to 200 miles—The auto is operated beyond a radius of 50 miles but not regularly beyond a radius of 200 miles from the street address where such auto is princi-pally garaged.

2. Use Class

a. Taxicab or Similar Passenger Carrying Ser-vice—A metered or unmetered auto with a seating capacity of eight or less that is operat-ed for hire by the named insured or an em-ployee, but does not pick up, transport, or dis-charge passengers along a route.

b. Limousine—An unmarked auto with a seating capacity of eight or less that is operated for hire by the named insured or an employee and used on a prearranged basis for special or business functions, weddings, funerals, or sim-ilar purposes.

c. School Bus—An auto that carries students or other persons to and from school, or in any school activity, including games, outings, and similar school trips.

(1) Separate rating factors apply to


PUBLIC TRANSPORTATION

May 16, 2012 Draft C–24


(a) school buses owned by political sub-divisions or school districts;

(b) all others including independent con-tractors, private schools, and church owned buses.

(2) A policy covering a school bus may be written on an annual term for liability and collision coverages with premium prorated to reflect the actual school term if the auto is inactive during the summer. However, do not give credit for Saturdays, Sundays, or holidays or for any other periods of lay-up during the school term.

d. Church Bus—An auto used by a church to transport persons to or from services and other church related activities. This classification does not apply to public autos used primarily for daily school activities.

e. Intercity Bus—An auto that picks up and transports passengers on a published sched-ule of stops between stations located in two or more towns or cities.

f. Urban Bus—An auto that picks up, transports, and discharges passengers at frequent local stops along a prescribed route. This classifica-tion applies only to autos operated principally within the limits of a city or town and communi-ties contiguous to such city or town, and in-cludes scheduled express service between points on that route.

g. Airport Bus or Airport Limousine—An auto for hire that transports passengers between air-ports and other passenger stations or motels.

h. Charter Bus—An auto chartered for special trips, touring, picnics, outings, games, and similar uses.

i. Sightseeing Bus—An auto accepting individual passengers for a fare for sightseeing or guided tours, making occasional stops at certain points of interest and returning the passengers to the point of origin.

j. Transportation of Athletes and Entertainers— An auto owned by a group, firm, or organiza-tion that transports its own professional ath-letes, musicians, or other entertainers.

EXCEPTIONS:

(1) If it is used to transport other professional athletes or entertainers, rate as a charter bus.

(2) If it is used to transport its own nonprofes-sional athletes, musicians, or entertainers, rate as a public auto not otherwise classi-fied.

k. Van Pools—An auto of the station wagon, van, truck, or bus type used to provide prearranged commuter transportation for employees to and from work and not otherwise used to transport passengers for a charge.

(1) Employer Furnished Transportation— Transportation is held out by the employer as an inducement to employment, a con-

dition of employment, or is incident to em-ployment.

(a) Employer Owned Autos—Autos owned or leased for one year or more by an employer and used to provide transportation only for his or her em-ployees.

(b) Employee Owned Autos—Autos owned or leased for one year or more by an individual employee and used to provide transportation only for fel-low employees of his or her employ-er.

(2) All Other—Autos that do not meet the eli-gibility requirements of paragraph (1) above.

l. Transportation of Employees—Other than Van Pools—Autos of any type used to transport employees other than in van pools.

(1) Autos owned, or leased for one year or more, by an employer and used to transport only his or her own employees.

(a) Private Passenger Autos

Residual Bodily Injury and Property Damage Liability Coverage—Charge Private Passenger Type rates shown on the rate schedules.

(b) All Other Autos—Rate as a van pool.

(2) Autos owned or leased for one year or more by a person or organization who is in the business of transporting employees of one or more employers. Rate as public auto not otherwise classified.

m. Social Service Agency Auto

An auto used by a government entity, civic, charitable, or social service organization to provide transportation to clients incident to the social services sponsored by the organization, including special trips and outings.

(1) This classification includes, for example, autos used to transport

(a) senior citizens or other clients to con-gregate meal centers, medical facili-ties, social functions, shopping cen-ters;

(b) handicapped persons to work or re-habilitative programs;

(c) children to day care centers and Head Start programs;

(d) Boy Scout or Girl Scout groups to planned activities.

(2) The following autos are eligible for this classification:

(a) Autos owned or leased for one year or more by the social service agency

(b) Autos donated to the social service agency, without a driver



C–25 May 16, 2012 Draft


(c) Autos hired under contract and used 100% for social service agencies

(3) Separate codes and rating factors apply to the following:

(a) Employee-Operated Autos—Autos operated by employees of the social service agency. If a social service au-to is also operated by volunteer driv-ers or other nonagency employees, use the all other classification unless 80% of the use is by agency employ-ees.

(b) All Other—Autos that do not meet the requirements of paragraph (a).

n. Public Auto Not Otherwise Classified—This classification includes, but is not limited to, au-tos such as country club buses, cemetery bus-es, real estate development buses, and cour-tesy buses run by hotels.

o. Primary Classifications—Rating Factors and Classification Designators—See tables on pages C–26 andC–27.



May 16, 2012 Draft C–26



Taxicabs and Limousines

Radius Local

Up to 50 Miles Intermediate

51 to 200 Miles RBI, PD, & PIP Comp. & Coll. RBI, PD, & PIP Comp. & Coll.

Taxicab or Similar Passenger Carrying Service

Factor CD

1.00 4189

2.70 4189

1.15 4199

3.10 4199

Limousine Factor CD

0.40 4289

1.35 4289

.45 4299

1.55 4299

School Buses and Church Buses

School Bus owned by Political Subdivision or School District

Factor CD

1.20 618

.50 618

1.40 619

.55 619

Other School Bus Factor CD

1.50 628

.50 628

1.75 629

.55 629

Church Bus Factor CD

1.00 638

1.00 638

1.15 639

1.15 639

Other Buses

Urban Bus Factor CD

.80 518

1.45 518

.90 519

1.65 519

Airport Bus or Airport Limousine Factor CD

.70 528

1.55 528

.80 529

1.80 529

Intercity Bus Factor CD

1.05 538

.95 538

1.20 539

1.10 539

Charter Bus Factor CD

1.00 548

1.55 548

1.15 549

1.80 549

Sightseeing Bus Factor CD

.75 558

.90 558

.85 559

1.05 559

Trans. of Athletes and Entertainers Factor CD

.45 568

1.40 568

.50 569

1.60 569

Social Service Auto Employee-Operated

Factor CD

.55 648

1.20 648

.65 649

1.40 649

Social Service Auto All Other Factor CD

.50 658

1.20 658

.60 659

1.40 659

Public Auto NOC Factor CD

.55 588

1.25 588

.65 589

1.45 589


Van Pools

Seating Capacity

1 to 8 9 to 20 21 to 60 Over 60BI, PD, & PIP PhD BI, PD, & PIP PhD BI, PD, & PIP PhD BI, PD, & PIP PhD

Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor

CD 1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124



C–27 May 16, 2012 Draft




Radius Local




Factor CD

1.00 4159

2.70 4159

1.15 4169

3.10 4169

Limousine Factor CD

0.40 4259

1.35 4259

.45 4269

1.55 4269



Factor CD

1.20 615

.50 615

1.40 616

.55 616


1.50 625

.50 625

1.75 626

.55 626


1.00 635

1.00 635

1.15 636

1.15 636

Other Buses

Urban Bus Factor CD

.80 515

1.45 515

.90 516

1.65 516


.70 525

1.55 525

.80 526

1.80 526


1.05 535

.95 535

1.20 536

1.10 536


1.00 545

1.55 545

1.15 546

1.80 546


.75 555

.90 555

.85 556

1.05 556


.45 565

1.40 565

.50 566

1.60 566


Factor CD

.55 645

1.20 645

.65 646

1.40 646


.50 655

1.20 655

.60 656

1.40 656


.55 585

1.25 585

.65 586

1.45 586


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor CD

1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124



May 16, 2012 Draft C–28


D. Secondary Classifications—Seating Capacity

1. Use the seating capacity specified by the manufacturer of the auto unless a public authority rules otherwise.

2. Do not include the driver’s seat when determining seating capacity.

These classifications do not apply to taxicabs, limousines (except airport limousines), and van pools.

Secondary Factor to Be Combined with Primary Residual Bodily Injury and Property Damage

Liability & PIP Factor

Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses

1 1 to 8 +.00 –.20 2 9 to 20 +.10 –.15 3 21 to 60 +.25 +.15 4 Over 60 +.50 +.40 9 All Other—

Not Secondary

Rated

Secondary Factor to Be Combined with Primary Physical Damage Factor

Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses

1 1 to 8 +.00 +.00 2 9 to 20 +.00 +.00 3 21 to 60 +.00 +.00 4 Over 60 +.00 +.00 9 All Other—

Not Secondary

Rated

E. If a truck, tractor, or trailer is rated as a public auto, determine the seating capacity from the size as follows:

Size Class Seating Capacity

Light 1–8 Medium 9–20 Heavy 21–60

Extra-Heavy Over 60




C–29 May 16, 2012 Draft


PUBLIC TRANSPORTATION AUTOS WORKSHEET

Coverage

Base Rate (Rate

schedules And Rule

55)

Physical Damage

Deductible Amount (Rule 57)

Fleet Factor

(Rule 92)


(Rule 93)


(Rule 93)


(Rule 52)

PIP Deductible

Factor (Rule 57)

Experience Rating

Modification(Rule 54)

Or Additional Charges (Rule 53)

Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB.

NA X

X ( +/- ) X

NA X X

=

PD LIAB.

NA X

X (

+/- ) X

NA X X

=

PIP

NA X

X (

+/- ) NA X

X X

=

UM

NA NA NA NA X

NA NA

NA =

UIM

NA NA NA NA X

NA NA

NA =

COMP. X

X

X ( +/- ) NA

NA X NA

=

COLL. X

X NA X ( +/- ) NA

NA X NA

=

TOTAL =

Refer to Rule 3. Certified Risks Financial Responsibility Filings. Rule 92. Premium Development for comprehensive premium development instructions.

May 16, 2012 Draft C–30


NOTES


C–31 May 16, 2012 Draft


SPECIAL TYPES AND OPERATIONS CHAPTER


This Chapter applies to all autos that are not classified and rated in other chapters.


The residual bodily injury and property damage liability, personal injury protection coverage, and physical damage coverage premiums for autos and equipment will be determined as follows:

A. Refer to the territory definitions to determine the rating territory in which the auto will be principally garaged.

B. Follow the rating instructions from the applicable rule.

C. Refer to Rule 51 in the Commercial General Rules Chapter of this Manual for further development of the total premium.

Note: Autos rated under this Chapter are subject to the all other risks increased limits factors in Rule 52 irrespective of the base rate used in developing the premium.

Rule 133. AMBULANCE SERVICES

A. A policy written in accordance with this Rule shall not be endorsed to exclude coverages required under Chapter 431:10C, Hawaii Revised Statutes.

B. The policy must exclude coverage for bodily injury to any volunteer worker engaged in rescue squad or ambulance corps operations. Attach the appropriate Emergency Vehicles—Volunteer Firefighters’ and Workers’ Injuries Excluded endorsement.

C. The policy must exclude coverage for bodily injury or property damage that results from providing or failing to provide any professional service. Attach the appropriate Professional Services Not Covered endorsement.


Multiply the Trucks, Tractors, and Trailers base rate on the rate schedules by 1.75.


Multiply the Trucks, Tractors, and Trailers rate on the rate schedules for the appropriate size class by the following factors:


.40 .60

Rule 134. DRIVER TRAINING PROGRAMS—EDUCATIONAL INSTITUTIONS AND COMMERCIAL DRIVING SCHOOLS

A. Driver Training Programs—Educational Institutions

1. Eligibility

This section applies to private passenger autos used for driver training as part of a school curricu-lum.

2. Premium Development—Residual Bodily Injury and Property Damage Liability, Personal Injury Protec-tion, and Collision Coverages

a. For autos equipped with dual controls, multiply the Private Passenger Types base rate on the rate schedules by .50. There must be dual brakes to qualify as dual control.

b. For autos not equipped with dual controls, multiply the Private Passenger Types base rate on the rate schedules by 1.00.

3. Premium Development—Comprehensive Coverage

Multiply the Private Passenger Types rate on the rate schedules by .85.

4. Premium Development—All Other Coverages

Charge the Private Passenger Types rate.

5. A policy covering autos used by schools in driver training programs may be written on an annual term for liability coverage with premium prorated to reflect the actual school term. However, do not give credit for Saturdays, Sundays, or holidays or for any other periods of lay-up during the school term.

B. Commercial Driving Schools

1. Eligibility

This section applies to autos used by driving schools to give driving instruction.

2. Premium Development—Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages

Owned Private Passenger Autos

a. For autos equipped with dual controls, multiply the Private Passenger Types base rate on the rate schedules by 1.00. There must be dual brakes to qualify as dual control.


3. Premium Development—Collision Coverage


a. For autos equipped with dual controls, multiply the Private Passenger Types rate on the rate schedules by .75. There must be dual brakes to qualify as dual control.

b. For autos not equipped with dual controls, multiply the Private Passenger Types rate on the rate schedules by 1.50.



5. All Other Types of Owned Autos

Refer to Rule 2 for rating.

6. Nonowned Autos

a. The policy must cover the driving instructors and their students.

b. Premium Development—Multiply the Private Passenger Types rate on the rate schedules


SPECIAL TYPES

May 16, 2012 Draft C–32


by 1.00 for each instructor in excess of the number of owned autos.

C. Attach the appropriate Driving Schools endorsement.

Rule 135. FIRE DEPARTMENTS


B. Eligibility

1. This Rule applies to autos used for firefighting purposes.

2. The policy must exclude coverage for bodily injury to any volunteer fireman or volunteer worker engaged in firefighting, rescue squad, or ambu-lance corps operations. Attach the appropriate Emergency Vehicles—Volunteer Firefighters’ and Workers’ Injuries Excluded endorsement.

3. The policy must exclude coverage for bodily injury or property damage that results from providing or failing to provide any professional service. Attach the appropriate Professional Services Not Covered endorsement.

C. Premium Development—Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages

1. Private Passenger Autos


2. Trailer Types

Classify and rate according to Rule 72.

3. All Other Types

Multiply the Trucks, Tractors, and Trailers base rate on the rate schedules by .90.

D. Premium Development—Physical Damage Coverage


Multiply the Private Passenger Types rate on the rate schedules by the following factors:


.40 .45

2. All Other Types



.35 .35

Rule 136. FUNERAL DIRECTORS

A. Eligibility

1. This Rule applies to autos owned or used by a funeral director.


B. Premium Development—Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages

1. Limousines


2. Hearses and Flower Cars


3. Combination Hearses and Ambulances

Classify and rate the auto according to the Ambu-lance Services Rule.

4. Autos Used for Other Purposes

Classify and rate the auto according to its regular use.

C. Premium Development—Physical Damage Coverage

1. Limousines





.50 .45





Rule 137. LAW ENFORCEMENT AGENCIES


B. Eligibility

1. This Rule applies to autos used by government agencies, or by public or private police or security services.

2. The policy must exclude coverage for bodily injury to any volunteer worker engaged in rescue squad or ambulance corps operations. Attach the appro-priate Emergency Vehicles—Volunteer Firefighters’ and Workers’ Injuries Excluded endorsement.

3. The policy must exclude coverage for bodily injury or property damage that results from providing or


SPECIAL TYPES

C–33 May 16, 2012 Draft


failing to provide any professional service. Attach the appropriate Professional Services Not Covered endorsement.



Multiply the Private Passenger Types base rate on the rate schedules by 1.15.

2. Trailer Types


3. All Other Types






.90 1.00 2. Trailer Types


3. All Other Types



.90 .90

Rule 138. LEASING OR RENTAL CONCERNS

A. General

1. Autos Leased or Rented to Others with Drivers

Commercial autos will be classified and rated in accordance with the Truckers Rule. All other autos will be classified on the basis of use as set forth in the Public Auto Classifications Rule and rated accordingly.

2. Autos Leased or Rented to Others Without Drivers

For rating purposes, autos leased by the named insured that are to be rented to others will be considered owned by the auto leasing or rental concern and rated under the provisions of this Rule.

3. For commercial autos leased or rented to truckers and public autos leased or rented to public trans-portation operations, refer to Rule 2.

B. Premium Development—Residual Bodily Injury and Property Damage Liability, Personal Injury Protection, Comprehensive, and Collision Coverages

The premium for risks engaged in leasing or renting autos or trailers to others without drivers is to be determined on the basis of the territory in which the auto is principally garaged and in accordance with the following provisions:

1. Specified Auto Basis—Autos Leased for One Year or More—Coverage for Owner and Rentee

a. Private passenger and commercial autos and commercial trailers will be rated at the classifi-cation rate applicable to the lessee.

b. Private passenger and commercial autos and commercial trailers awaiting assignment or re-assignment will be rated as follows:

(1) Private Passenger—Multiply the Private Passenger Types rate shown on the rate schedules by 1.00.

(2) Multiply the Trucks, Tractors, and Trailers rate on the rate schedules by the following factors:

(a) Trucks or Tractors 4.00 (b) Trailers .25 (c) Semitrailers .25 (d) Service Trailers .25

c. Trailers Designed for Use with Private Pas-senger Autos

(1) Mobile Home Trailers—Multiply the Trucks, Tractors, and Trailers rate on the rate schedules by .40.

(2) All Others—Charge $13 for residual bodily injury, $20,000/40,000 limit and $5 proper-ty damage, $10,000 limit.

2. Specified Auto Basis—Autos Rented by the Hour, Day, Week, or Month—Coverage for Owner and Rentee

a. Rate each auto as follows:

(1) Private Passenger—Multiply the Residual Bodily Injury and Property Damage Liabil-ity Private Passenger Types base rate on the rate schedules by 3.50.

(2) Private Passenger—Multiply the Physical Damage Private Passenger Types rate on the rate schedules for Age Group 1, $15,001—16,250 Original Cost New, by the following factors


.509 1.389


SPECIAL TYPES

May 16, 2012 Draft C–34



RBI and PD

Liability and PIP

Physical Damage

Trucks 2.50 4.30 Tractors 2.75 4.30 Trailers .10 .20

Semitrailers .10 .20 Service Trailers .10 .20

(4) Motor Homes—Multiply the premium de-veloped by the Motor Homes Rule by the following factors:

RBI and PD Liability and PIP

Physical Damage

2.00 3.00

b. Trailers Designed for Use with Private Pas-senger Autos

The charge per trailer is as follows:

Mobile Home Trailers—Multiply the Trucks, Tractors, and Trailers rate shown on the rate schedules by .80.

All Others—Charge $26 for residual bodily in-jury, $20,000/40,000 limit and $9 property damage, $10,000 limit.

C. Endorsements

1. Attach the applicable Hawaii Leasing or Rental Concerns—Exclusion of Certain Leased Autos endorsement if any lessees or rentees are required to provide primary insurance for the leasing or rental concern.

2. Attach the applicable Hawaii Leasing or Rental Concerns—Rent-it-Here/Leave-it-There Autos endorsement if the operation involves any such nonowned rental autos.

Rule 139. MOBILE OR FARM EQUIPMENT

A. Eligibility

1. Coverage is only provided for mobile equipment and farm equipment that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where the auto is licensed or princi-pally garaged.

2. Operations coverage is not provided for any equipment except equipment described in B.1.f(1) below.

B. Definitions

1. Mobile Equipment

Mobile equipment includes the following vehicles:

a. Bulldozers, forklifts, and other vehicles de-signed for use principally off public roads

b. Vehicles maintained for use solely on or next to premises the insured owns or rents

c. Vehicles that travel on crawler treads

d. Vehicles maintained primarily to provide mobility to permanently mounted

(1) power cranes, shovels, loaders, diggers, or drills; or

(2) road construction or resurfacing equip-ment such as graders, scrapers, or rollers.

e. Vehicles that are not self-propelled and are maintained primarily to provide mobility to permanently mounted

(1) air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting, and well servicing equipment; or

(2) cherry pickers and similar devices used to raise or lower workers

f. Self-propelled vehicles not described above with the following types of permanently at-tached equipment:

(1) Equipment designed primarily for

(a) snow removal;

(b) road maintenance, but not construc-tion or resurfacing;

(c) street cleaning.

(2) Cherry pickers and similar devices mounted on auto or truck chassis and used to raise or lower workers

(3) Air compressors, pumps, and generators, including spraying, welding, building cleaning, geophysical exploration, lighting, and well servicing equipment

g. Other commercial vehicles maintained primari-ly for purposes other than the transportation of persons or cargo

2. Farm Equipment

Farm equipment includes farm tractors, harvesting combines, power driven lawn mowers, and other self-propelled farm equipment used for farming purposes.


1. Equipment Owned and Leased for Six Months or Longer

Multiply the trucks, tractors, and trailers base rates displayed on the rate schedules by the following factor:

Mobile Equipment Farm Equipment1.000 0.150

2. Equipment Leased for Less than Six Months

Refer to Rule 2.


SPECIAL TYPES

C–35 May 16, 2012 Draft


D. Premium Development—Physical Damage Cover-age


Multiply the trucks, tractors, and trailers rates displayed on the rate schedules for the appropriate size class by the following factor:

Mobile Equipment

Farm Equipment

Comprehensive 0.600 0.450 Collision 0.650 0.300


Refer to Rule 2

E. Endorsements

If the policy covers mobile equipment or farm equipment subject to compulsory insurance, financial responsibility, or other motor vehicle insurance laws, attach the Changes in Coverage Forms—Mobile Equipment Subject to Motor Vehicle Insurance Laws endorsement.

Exception: No endorsement is necessary for mobile equipment described in paragraph B.1.f above.


A. Motor Homes



1. Overall length not exceeding 22 feet—Multiply the trucks, tractors and trailers nonfleet base rate on the rate schedules by .60.

2. Overall length exceeding 22 feet—Multiply the trucks, tractors, and trailers nonfleet base rate on the rate schedules by .75.

3. Primary and secondary rating factors and fleet factors do not apply.




1. Overall length not exceeding 22 feet—Multiply the trucks, tractors, and trailers nonfleet rate on the rate schedules for the appropriate size class by .50.

2. Overall length exceeding 22 feet—Multiply the trucks, tractors, and trailers nonfleet rate on the rate schedules for the appropriate size class by .50.


A. Antique Autos



Multiply the otherwise applicable Private Passenger Types rate by .14, subject to a minimum premium of $12 for residual bodily injury, $20,000/40,000 limit; $5 property damage, $10,000 limit; and $4 personal injury protection $10,000 limit.

C. Uninsured and Underinsured Motorists Coverages







E. Attach the Stated Amount Insurance Endorsement.



SPECIAL TYPES

May 16, 2012 Draft C–36


CR–1



COMMERCIAL AUTO RESIDUAL BODILY INJURY AND PROPERTY DAMAGE LIABILITY, UNISURED AND UNDERINSURED MOTORISTS, AND PERSONAL INJURY PROTECTION RATES

CR–2


NOTES


CR–3


COMMERCIAL AUTO LIABILITY RATES

$20,000/40,000 Split Limit Bodily Injury and $10,000 Property Damage


Territory

Nonfleet Fleet Residual

BI Liability PD Liability PIP Residual

BI Liability PD Liability PIP 01 $298 $202 $192 $327 $213 $19203 192 121 164 212 126 16404 175 111 157 192 116 15705 187 119 225 205 124 225

PRIVATE PASSENGER TYPES

Territory Residual

BI Liability PD Liability PIP

01 $547 $259 $293 03 478 181 285 04 476 181 290 05 497 209 323

VAN POOLS

Territory Residual


01 $414 $281 $207 03 267 168 177 04 243 154 170 05 260 165 243

TAXICABS AND LIMOUSINES

Territory Residual


01 $1,190 $489 $881 03 772 294 755 04 698 267 724 05 750 286 1039

SCHOOL AND CHURCH BUSES

Territory Residual

BI Liability PD Liability PIP 01 $265 $206 $271 03 172 124 232 04 156 113 223 05 167 121 320


CR–4




OTHER BUSES

Territory Residual


01 $1,137 $553 $823 03 737 331 705 04 668 303 675 05 718 324 970

UNINSURED MOTORISTS

Rate Per Auto $20,000/40,000 Limits

Stacked Nonstacked

PPT All Other PPT All Other $62 $37 $31 $19 117 88 58 44

UNDERINSURED MOTORISTS

Rate Per Auto $20,000/40,000 Limits

Stacked Nonstacked

PPT All Other PPT All Other $62 $37 $31 $19 117 88 58 44

C(PhD)–1



COMMERCIAL AUTO PHYSICAL DAMAGE RATES

C(PhD)–2


NOTES


C(PhD)–3



PRIVATE PASSENGER TYPE AUTOS

$100 Deductible Comprehensive $250 Deductible Collision

Original Age Territory Territory

Cost New Group 01 03 04 05 01 03 04 05

$0-6,500 1 $50 $32 $44 $27 $320 $326 $313 $389 2,3 45 28 39 24 288 294 282 350

4,5 40 25 35 22 256 261 250 311 6 32 20 28 18 208 212 203 253

6,501-8,000 1 66 42 58 36 376 384 368 458 2,3 59 38 52 32 338 346 331 412

4,5 53 34 46 29 301 307 294 366 6 43 27 38 23 244 250 239 298

8,001-9,000 1 80 51 70 44 410 419 401 499

2,3 72 46 63 39 369 377 361 449

4,5 64 41 56 35 328 335 321 399

6 52 33 46 28 266 272 261 324

9,001-10,000 1 90 58 79 49 436 445 427 531

2,3 81 52 72 44 393 401 384 478

4,5 72 46 64 39 349 356 342 425

6 59 37 52 32 284 290 277 345

10,001-11,250 1 102 65 89 55 459 468 449 559

2,3 91 58 80 50 413 422 404 503

4,5 81 52 71 44 367 375 359 447

6 66 42 58 36 298 305 292 363

11,251-12,500 1 113 72 99 62 481 492 471 586

2,3 102 65 89 55 433 442 424 528

4,5 90 57 79 49 385 393 377 469

6 73 47 64 40 313 319 306 381

12,501-13,750 1 123 79 108 67 508 518 497 618

2,3 111 71 98 61 457 467 447 556

4,5 99 63 87 54 406 415 397 495

6 80 51 70 44 330 337 323 402

13,751-15,000 1 135 86 118 73 534 545 523 650

2,3 121 77 106 66 481 491 470 585

4,5 108 69 95 59 427 436 418 520

6 88 56 77 48 347 354 340 423

15,001-16,250 1 147 94 129 80 560 572 548 682

2,3 132 84 116 72 504 515 493 614

4,5 118 75 103 64 448 458 439 546

6 96 61 84 52 364 372 356 444

16,251-17,500 1 161 102 142 88 587 599 574 714

2,3 145 92 127 79 528 539 517 643

4,5 129 82 113 70 469 479 459 572

6 105 67 92 57 381 389 373 464

17,501-18,750 1 177 113 155 96 617 630 604 751

2,3 159 101 140 87 555 567 543 676

4,5 142 90 124 77 493 504 483 601

6 115 73 101 63 401 409 392 488


C(PhD)–4






Cost New Group 01 03 04 05 01 03 04 05

18,751-20,000 1 $192 $122 $169 $105 $647 $660 $633 $788

2,3 173 110 152 94 582 594 570 709 4,5 154 98 135 84 517 528 506 630 6 125 79 110 68 420 429 411 512

20,001-22,000 1 210 134 184 114 684 699 670 834

2,3 189 120 166 103 616 629 603 750 4,5 168 107 148 92 547 559 536 667 6 136 87 120 74 445 454 435 542

22,001-24,000 1 232 147 204 126 729 745 714 889

2,3 208 133 183 114 656 670 643 800 4,5 185 118 163 101 584 596 571 711 6 151 96 132 82 474 484 464 578

24,001-26,000 1 252 160 222 138 771 787 754 939

2,3 227 144 199 124 694 708 679 845 4,5 202 128 177 110 617 630 604 751 6 164 104 144 89 501 512 490 610

26,001-28,000 1 272 173 239 148 812 829 795 989

2,3 245 156 215 133 731 746 715 890 4,5 218 138 191 119 650 664 636 791 6 177 112 155 96 528 539 517 643

28,001-30,000 1 291 185 256 159 854 872 835 1,040

2,3 262 167 230 143 768 785 752 936

4,5 233 148 205 127 683 697 668 832

6 189 120 166 103 555 567 543 676

30,001-33,000 1 315 200 277 172 902 922 883 1,099

2,3 283 180 249 155 812 829 795 989

4,5 252 160 221 137 722 737 707 879

6 205 130 180 112 587 599 574 714

33,001-36,000 1 343 218 301 187 951 972 931 1,159

2,3 308 196 271 168 856 874 838 1,043

4,5 274 174 241 149 761 777 745 927

6 223 142 196 121 618 631 605 753

36,001-40,000 1 374 238 329 204 1,000 1,021 979 1,218

2,3 337 214 296 184 900 919 881 1,096

4,5 299 191 263 163 800 817 783 975

6 243 155 214 133 650 664 636 792

40,001-45,000 1 414 263 364 226 1,060 1,083 1,038 1,292

2,3 372 237 327 203 954 975 934 1,162

4,5 331 211 291 181 848 866 830 1,033

6 269 171 236 147 689 704 675 840

45,001-50,000 1 457 291 402 249 1,124 1,148 1,100 1,369

2,3 412 262 362 225 1,012 1,033 990 1,232

4,5 366 233 322 200 899 919 880 1,096

6 297 189 261 162 731 746 715 890


C(PhD)–5






Cost New Group 01 03 04 05 01 03 04 05

50,001-60,000 1 $521 $332 $458 $284 $1,214 $1,240 $1,189 $1,479

2,3 469 299 412 256 1,093 1,116 1,070 1,331

4,5 417 265 367 228 972 992 951 1,183

6 339 216 298 185 789 806 773 962

60,001-70,000 1 605 385 532 330 1,331 1,359 1,303 1,621

2,3 545 347 479 297 1,198 1,223 1,172 1,459

4,5 484 308 425 264 1,065 1,087 1,042 1,297

6 393 250 346 215 865 884 847 1,054

70,001-80,000 1 688 438 605 375 1,448 1,478 1,417 1,763

2,3 620 394 544 338 1,303 1,331 1,275 1,587

4,5 551 350 484 300 1,158 1,183 1,133 1,411

6 447 285 393 244 941 961 921 1,146

For vehicles with OCN above $80,000:

Comprehensive: 1. Increase 10.43 by 1.25 for each $10,000 or fraction of $10,000 above $80,000 of OCN. 2. Apply this factor to the $6,501–$8,000 OCN rate.

Collision: 1. Increase 3.85 by 0.30 for each $10,000 or fraction of $10,000 above $80,000 of OCN. 2. Apply this factor to the $6,501–$8,000 OCN rate.


C(PhD)–6


COMMERCIAL AUTO MANUAL

Light Trucks Single Unit Vehicles under 10,000 Lbs. GVW

Local All Territories

Comprehensive—All Operations 1.00 Collision—Except Dumping Operations 1.00 Collision—Dumping Operations 1.50

Original Cost New

Age Group $100 Deductible Comprehensive $250 Deductible Collision

$0-3,000 1 $14 $75

2,3 13 68

4,5 11 60

6 9 49

3,001-4,500 1 22 120

2,3 20 108

4,5 18 96

6 14 78

4,501-6,000 1 28 150

2,3 25 135

4,5 22 120

6 18 98

6,001-8,000 1 38 207

2,3 34 186

4,5 30 166

6 25 135

8,001-10,000 1 48 263

2,3 43 236

4,5 38 210

6 31 171

10,001-15,000 1 64 345

2,3 58 311

4,5 51 276

6 42 224

Over 15,000 1 92 435

2,3 83 392

4,5 74 348

6 60 283


C(PhD)–7



Medium Trucks Single Unit Vehicles over 10,000 Lbs. but under 20,000 Lbs. GVW



Original Cost New


$0-4,500 1 $13 $57

2,3 12 51

4,5 11 46

6 9 37

4,501-6,000 1 22 104

2,3 20 94

4,5 18 83

6 14 68

6,001-8,000 1 30 142

2,3 27 128

4,5 24 114

6 19 93

8,001-10000 1 37 182

2,3 34 164

4,5 30 146

6 24 118

10,001-15,000 1 52 244

2,3 47 220

4,5 41 196

6 34 159

15,001-20,000 1 66 286

2,3 59 257

4,5 53 229

6 43 186

Over 20,000 1 88 338

2,3 79 304

4,5 70 270

6 57 220


C(PhD)–8



Heavy Trucks and Truck-Tractors Single Unit Vehicles over 20,000 Lbs. but under 45,000 Lbs. GVW

Combination Unit Vehicles Under 45,000 Lbs. GCW Local

All Territories


Original Cost New


$0-8,000 1 $16 $77

2,3 14 69

4,5 13 61

6 10 50

8,001-10,000 1 25 128

2,3 22 115

4,5 20 102

6 16 83

10,001-15,000 1 35 170

2,3 32 153

4,5 28 136

6 23 111

15,001-20,000 1 49 206

2,3 44 185

4,5 39 165

6 32 134

20,001-25,000 1 63 228

2,3 57 205

4,5 50 182

6 41 148

25,001-40,000 1 91 275

2,3 82 248

4,5 73 220

6 59 179

40,001-65,000 1 147 384

2,3 132 346

4,5 118 307

6 96 250

Over 65,000 1 217 481

2,3 195 433

4,5 174 385

6 141 313


C(PhD)–9



Extra Heavy Trucks and Truck-Tractors Single or Combination Units in Excess of 45,000 Lbs. GVW or GCW



Original Cost New


$0-8,000 1 $13 $65

2,3 12 59

4,5 10 52

6 8 42

8,001-10,000 1 20 108

2,3 18 97

4,5 16 86

6 13 70

10,001-15,000 1 28 142

2,3 25 128

4,5 22 114

6 18 92

15,001-20,000 1 40 172

2,3 36 155

4,5 32 137

6 26 112

20,001-25,000 1 51 190

2,3 46 171

4,5 41 152

6 33 124

25,001-40,000 1 74 231

2,3 67 208

4,5 59 185

6 48 150

40,001-65,000 1 119 322

2,3 107 290

4,5 95 258

6 77 210

Over 65,000 1 176 403

2,3 159 363

4,5 141 323

6 114 262


C(PhD)–10



All Trailers and Semitrailers Local

All Territories


Original Cost New


$0-1000 1 $18 $110

2,3 16 99

4,5 15 88

6 12 71

1,001-2,000 1 37 158

2,3 33 142

4,5 29 126

6 24 103

2,001-3,000 1 61 268

2,3 55 241

4,5 49 214

6 40 174

3,001-4,500 1 85 426

2,3 77 384

4,5 68 341

6 56 277

4,501-6,000 1 122 632

2,3 110 569

4,5 98 506

6 79 411

6,001-8,000 1 165 871

2,3 148 784

4,5 132 697

6 107 566

8,001-10,000 1 214 1,136 2,3 192 1,023 4,5 171 909

6 139 739

10,001-20,000 1 348 1,672 2,3 313 1,505 4,5 278 1,338

6 226 1,087

20,001-40,000 1 702 2,463

2,3 631 2,217

4,5 561 1,970

6 456 1,601

Over 40,000 1 1,165 3,409 2,3 1,049 3,068

4,5 932 2,727 6 757 2,216


C(PhD)–11



Taxis, Limousines, and Van Pools All Territories

Original Cost New


$0-3,000 1 $28 $96 2,3 25 86

4,5 22 76 6 18 62

3,001-4,500 1 $44 $153 2,3 40 138

4,5 35 122 6 29 99

4,501-6,000 1 $56 $191 2,3 50 172

4,5 45 153 6 36 124

6,001-8,000 1 $76 $264 2,3 68 237 4,5 61 211

6 49 171

8,001-10,000 1 $96 $335 2,3 86 301 4,5 77 268

6 62 217 10,001-15,000 1 $128 $440

2,3 115 396 4,5 102 352

6 83 286

Over $15,000 1 $184 $554 2,3 166 499 4,5 147 443

6 120 360


C(PhD)–12



All Buses All Territories

Original Cost New


$0-3,000 1 $55 $94 2,3 50 85

4,5 44 75 6 36 61

3,001-4,500 1 $87 $151 2,3 78 136

4,5 70 121 6 57 98

4,501-6,000 1 $110 $188 2,3 99 170

4,5 88 151 6 72 122

6,001-8,000 1 $150 $260 2,3 135 234 4,5 120 208

6 97 169

8,001-10,000 1 $188 $330 2,3 169 297 4,5 151 264

6 122 214 10,001-15,000 1 $252 $433

2,3 227 390 4,5 202 347

6 164 282

Over $15,000 1 $362 $546 2,3 326 492 4,5 290 437

6 235 355

Supporting Document Schedules

Satisfied - Item: AUTO HI Rates Excel SpreadsheetComments:

Attachment(s): HI-AUTO-Rates-v5(1).xls

HI-AUTO-Rates-v5(1).pdfItem Status:Status Date:

Satisfied - Item: AUTO HI Rules Excel SpreadsheetComments:

Attachment(s): Copy of viewFilingAttachment.xls

Copy of viewFilingAttachment.pdfItem Status:Status Date:

Bypassed - Item: Reference Filing Adoption Certification

Bypass Reason: NAAttachment(s):Item Status:Status Date:

Bypassed - Item: Third Party Authorization

Bypass Reason: NAAttachment(s):Item Status:Status Date:


Comments: This draft has been amended to correctly display the UM and UIM rates for commercial autos risks on page CR-4 based on your

objection 5. These track the rates in the current JUP manual.

Attachment(s): HJUPManualamended9-26-2012.pdf







Item Status:Status Date:


Attachment(s): HI_TD rates_submitted 090612.pdfItem Status:Status Date:

Satisfied - Item: Side-by-side comparisonsComments:

Attachment(s): HICommercialSide-by-SideComplete05-16-2012.pdf

HIPrivatePassengerSide-by-Side05-16-2012.pdfItem Status:Status Date:



Attachment(s): HI Excel 2 Revised 03-08-2013.pdfItem Status:Status Date:

Satisfied - Item: Strike through and underscore version of proposed manualComments:

Attachment(s): HJUPManual S-T 9-26-2012.pdfItem Status:Status Date:


Attachment(s): Objection 1.pdfItem Status:Status Date:








Attachment(s): Objection 10 public auto.pdfItem Status:Status Date:


Attachment(s): Objection 11b.pdfItem Status:Status Date:




Objection 2 031313.pdfItem Status:Status Date:







Attachment HI-AUTO-Rates-v5(1).xls is not a PDF document and cannot be reproduced here.

Attachment Copy of viewFilingAttachment.xls is not a PDF document and cannot be reproduced here.







HAWAII RATE SCHEDULE - AUTO/MOTORCYCLESERFF ID* APST-128367708

Date Submitted* 5/16/2012

Company/Group Name*Type of Insurance (TOI)* AUTO PERS

Hawaii JUP

Page 1 of 3HI-AUTO-Rates-v5(1).xls

Type of Insurance (TOI) AUTO PERSInstructions:

Filing Insurer NAIC

*Hawaii Entity ID, if no Select

*

Rate ID* (for LC use Rating Org

Enter the NAIC Co Code or Hawaii Entity ID for each filing insurer. Dark blue column/row headers indicate there is a drop-down selection box. DO NOT USE COMMAS OR CARRIAGE RETURNS IN ANY OF THE FIELDS.

* required fields

Co Code*y ,

NAIC Co Code Rate Type Description* Rate Type Filing #)

Hawaii JUP NA Rating Org Only RO HI 12-03


HAWAII RATE SCHEDULE - AUTO/MOTORCYCLESERFF ID APST-128367708Date Submitted 5/16/2012

Company/Group Name Hawaii JUP

Type of Insurance (TOI) AUTO PERS



Select

*Base Rate Overall Pct Min Pct Max Pct

Filing Code (STOI) Description* Filing Code (STOI) Base Rate Min Prem Max Prem Pct Change Change Change Change

Personal Auto 19.0000


HAWAII RATE SCHEDULE - AUTO/MOTORCYCLESERFF ID APST-128367708Date Submitted 5/16/2012

Company/Group Name Hawaii JUP




Loss Cost Expected

Loss Ratio Loss Cost Expense Previous State Withdrawn Mod Factor (in decimal form) Multiplier Constant Filing Number Date


HAWAII RULES SCHEDULE - AUTO/MOTORCYCLESERFF ID* APST-128367708

Date Submitted* 5/16/2012

Company/Group Name*Type of Insurance (TOI)* AUTO PERS

HI JUP

Page 1 of 2Copy of viewFilingAttachment.xls

Type of Insurance (TOI)* AUTO PERSInstructions:

Filing Insurer NAIC

C C d *Hawaii Entity ID, if no

NAIC C C d

Select

R l T D i ti * R l T

Rule ID* (use Rule # or if Adopt,

R ti O Fili #)

Select

Fili C d (STOI) D i ti *

Enter the NAIC Co Code or Hawaii Entity ID for each filing insurer. Dark blue column/row headers indicate there is a drop-down

selection box. DO NOT USE COMMAS OR CARRIAGE RETURNS IN ANY OF THE FIELDS. * required fields

Co Code* NAIC Co Code Rule Type Description* Rule Type use Rating Org Filing #) Filing Code (STOI) Description*HI JUP NA Rating Org Only RO All Rules Personal Auto


HAWAII RULES SCHEDULE - AUTO/MOTORCYCLESERFF ID APST-128367708

Date Submitted 5/16/2012

Company/Group Name HI JUP




Filing Code (STOI) R l N /D i ti /S i

+/- Pct Impact R t

+/- Pct Impact B fit

Previous State Fili N b

Withdrawn D t(STOI) Rule Name/Description/Synopsis on Rates on Benefits Filing Number Date

19.0000



HAWAII

JOINT UNDERWRITING

PLAN MANUAL September 26, 2012 Draft




Distributed by

AIPSO


NOTES


i September 26, 2012 Draft


TABLE OF CONTENTS








SYMBOL FACTORS ........................................................................................................................................................ R–6



September 26, 2012 Draft ii








G–1




September 26, 2012 Draft G–2


NOTES


G–3 September 26, 2012 Draft



















A. The additional premium will be computed by applying the applicable surcharge in paragraph B to the premium for the highest rated auto owned by the insured, modified in accordance with any applicable rating plan.























GENERAL RULES






Rule 7. CHANGES

























EXCEPTIONS:












Example:





GENERAL RULES



PRO RATA TABLE


Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 1 0.003 1 32 0.088 1 60 0.164 1 91 0.249 1 121 0.332 1 152 0.4162 2 0.005 2 33 0.090 2 61 0.167 2 92 0.252 2 122 0.334 2 153 0.4193 3 0.008 3 34 0.093 3 62 0.170 3 93 0.255 3 123 0.337 3 154 0.4224 4 0.011 4 35 0.096 4 63 0.173 4 94 0.258 4 124 0.340 4 155 0.4255 5 0.014 5 36 0.099 5 64 0.175 5 95 0.260 5 125 0.342 5 156 0.427

6 6 0.016 6 37 0.101 6 65 0.178 6 96 0.263 6 126 0.345 6 157 0.4307 7 0.019 7 38 0.104 7 66 0.181 7 97 0.266 7 127 0.348 7 158 0.4338 8 0.022 8 39 0.107 8 67 0.184 8 98 0.268 8 128 0.351 8 159 0.4369 9 0.025 9 40 0.110 9 68 0.186 9 99 0.271 9 129 0.353 9 160 0.43810 10 0.027 10 41 0.112 10 69 0.189 10 100 0.274 10 130 0.356 10 161 0.441

11 11 0.030 11 42 0.115 11 70 0.192 11 101 0.277 11 131 0.359 11 162 0.44412 12 0.033 12 43 0.118 12 71 0.195 12 102 0.279 12 132 0.362 12 163 0.44713 13 0.036 13 44 0.121 13 72 0.197 13 103 0.282 13 133 0.364 13 164 0.44914 14 0.038 14 45 0.123 14 73 0.200 14 104 0.285 14 134 0.367 14 165 0.45215 15 0.041 15 46 0.126 15 74 0.203 15 105 0.288 15 135 0.370 15 166 0.455

16 16 0.044 16 47 0.129 16 75 0.205 16 106 0.290 16 136 0.373 16 167 0.45817 17 0.047 17 48 0.132 17 76 0.208 17 107 0.293 17 137 0.375 17 168 0.46018 18 0.049 18 49 0.134 18 77 0.211 18 108 0.296 18 138 0.378 18 169 0.46319 19 0.052 19 50 0.137 19 78 0.214 19 109 0.299 19 139 0.381 19 170 0.46620 20 0.055 20 51 0.140 20 79 0.216 20 110 0.301 20 140 0.384 20 171 0.468

21 21 0.058 21 52 0.142 21 80 0.219 21 111 0.304 21 141 0.386 21 172 0.47122 22 0.060 22 53 0.145 22 81 0.222 22 112 0.307 22 142 0.389 22 173 0.47423 23 0.063 23 54 0.148 23 82 0.225 23 113 0.310 23 143 0.392 23 174 0.47724 24 0.066 24 55 0.151 24 83 0.227 24 114 0.312 24 144 0.395 24 175 0.47925 25 0.068 25 56 0.153 25 84 0.230 25 115 0.315 25 145 0.397 25 176 0.482

26 26 0.071 26 57 0.156 26 85 0.233 26 116 0.318 26 146 0.400 26 177 0.48527 27 0.074 27 58 0.159 27 86 0.236 27 117 0.321 27 147 0.403 27 178 0.48828 28 0.077 28 59 0.162 28 87 0.238 28 118 0.323 28 148 0.405 28 179 0.49029 29 0.079 29 88 0.241 29 119 0.326 29 149 0.408 29 180 0.49330 30 0.082 30 89 0.244 30 120 0.329 30 150 0.411 30 181 0.49631 31 0.085 31 90 0.247 31 151 0.414


Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 182 0.499 1 213 0.584 1 244 0.668 1 274 0.751 1 305 0.836 1 335 0.918 2 183 0.501 2 214 0.586 2 245 0.671 2 275 0.753 2 306 0.838 2 336 0.921 3 184 0.504 3 215 0.589 3 246 0.674 3 276 0.756 3 307 0.841 3 337 0.923 4 185 0.507 4 216 0.592 4 247 0.677 4 277 0.759 4 308 0.844 4 338 0.926 5 186 0.510 5 217 0.595 5 248 0.679 5 278 0.762 5 309 0.847 5 339 0.929 6 187 0.512 6 218 0.597 6 249 0.682 6 279 0.764 6 310 0.849 6 340 0.9327 188 0.515 7 219 0.600 7 250 0.685 7 280 0.767 7 311 0.852 7 341 0.9348 189 0.518 8 220 0.603 8 251 0.688 8 281 0.770 8 312 0.855 8 342 0.9379 190 0.521 9 221 0.605 9 252 0.690 9 282 0.773 9 313 0.858 9 343 0.94010 191 0.523 10 222 0.608 10 253 0.693 10 283 0.775 10 314 0.860 10 344 0.942 11 192 0.526 11 223 0.611 11 254 0.696 11 284 0.778 11 315 0.863 11 345 0.94512 193 0.529 12 224 0.614 12 255 0.699 12 285 0.781 12 316 0.866 12 346 0.94813 194 0.532 13 225 0.616 13 256 0.701 13 286 0.784 13 317 0.868 13 347 0.95114 195 0.534 14 226 0.619 14 257 0.704 14 287 0.786 14 318 0.871 14 348 0.95315 196 0.537 15 227 0.622 15 258 0.707 15 288 0.789 15 319 0.874 15 349 0.956 16 197 0.540 16 228 0.625 16 259 0.710 16 289 0.792 16 320 0.877 16 350 0.95917 198 0.542 17 229 0.627 17 260 0.712 17 290 0.795 17 321 0.879 17 351 0.96218 199 0.545 18 230 0.630 18 261 0.715 18 291 0.797 18 322 0.882 18 352 0.96419 200 0.548 19 231 0.633 19 262 0.718 19 292 0.800 19 323 0.885 19 353 0.96720 201 0.551 20 232 0.636 20 263 0.721 20 293 0.803 20 324 0.888 20 354 0.970 21 202 0.553 21 233 0.638 21 264 0.723 21 294 0.805 21 325 0.890 21 355 0.97322 203 0.556 22 234 0.641 22 265 0.726 22 295 0.808 22 326 0.893 22 356 0.97523 204 0.559 23 235 0.644 23 266 0.729 23 296 0.811 23 327 0.896 23 357 0.97824 205 0.562 24 236 0.647 24 267 0.732 24 297 0.814 24 328 0.899 24 358 0.98125 206 0.564 25 237 0.649 25 268 0.734 25 298 0.816 25 329 0.901 25 359 0.984

26 207 0.567 26 238 0.652 26 269 0.737 26 299 0.819 26 330 0.904 26 360 0.98627 208 0.570 27 239 0.655 27 270 0.740 27 300 0.822 27 331 0.907 27 361 0.98928 209 0.573 28 240 0.658 28 271 0.742 28 301 0.825 28 332 0.910 28 362 0.99229 210 0.575 29 241 0.660 29 272 0.745 29 302 0.827 29 333 0.912 29 363 0.99530 211 0.578 30 242 0.663 30 273 0.748 30 303 0.830 30 334 0.915 30 364 0.99731 212 0.581 31 243 0.666 31 304 0.833 31 365 1.000



GENERAL RULES








Hawaii) ............................................................................ 05


Oahu) .............................................................................. 01






P–1




September 26, 2012 Draft P–2


NOTES


P–3 September 26, 2012 Draft




















B. Named Nonowner




D. Camper Bodies


E. Motor Homes



F. Antique Autos













PRIVATE PASSENGER

















a. The state department of human services (DHS) will provide a certificate of eligibility for JUP coverage to eligible drivers/owners who desire basic auto policy coverage under JUP, in accordance with section 16-23-72(a)(5) and 16-23-73. The driver will submit the certificate in person or by mail to the servicing carrier of his or her choice for an auto policy. The certifi-cate will be accepted by the servicing carrier in accordance with section 16-23-73 and treated as if it were payment in full for the requested auto coverages. The servicing carrier will promptly notify the director of human services of public assistance recipients which it insures.










PRIVATE PASSENGER



B. A Personal Auto Policy will be used to afford coverage to private passenger autos and autos considered as private passenger autos in Rule 20 if:






if:








F. Every auto required to be registered in Hawaii and rated in accordance with this Manual will be afforded the following minimum mandatory coverages: residual bodily injury liability, property damage liability, and personal injury protection. Except as provided by 431:10C-407(b)(3), HRS, uninsured motorists and underinsured motorists coverages will also be afforded unless rejected in writing. Refer to the personal injury protection and optional benefits coverages rule for personal injury protection coverage and uninsured motorists and underinsured motorists coverage rule for uninsured and underinsured motorists coverage requirements.






















c. If a certified risk—financial responsibility filing (Rule 3) is required, the rates determined above are increased by the appropriate factor.


PRIVATE PASSENGER



d. If different deductibles (Rule 29.C) apply, subtract the dollar credit from the developed premium.






















Refer to Rule 30.








Use 1A 1B 3











For farm family copartnerships or farm family corporations, an owned private passenger auto principally garaged on a farm or ranch will be


PRIVATE PASSENGER



classified and rated as pleasure use provided the auto is:





a. No business use.





A. Split Limits

Table 1

RBI Limits

Private Passenger

Named Nonowner

All Other Risks

50/100 1.42 1.68 1.68 100/300 1.66 2.20 2.20 300/300* 1.83 3.00 3.00 300/600* 1.86 3.03 3.03

Table 1A

PD Limits

Private Passenger

Named Nonowner

All Other Risks

$15,000 1.01 1.05 1.06 20,000 1.02 1.07 1.10 30,000 1.04 1.09 1.14 50,000* 1.08 1.11 1.17





A. Eligibility








Exception:



1. New Business



2. Renewal Business














NOTES:



PRIVATE PASSENGER





1. Accidents















2. Convictions




8 b. revocation of




8 d. homicide or








6 h. revocation of


6


PRIVATE PASSENGER












applicant for license or registration, or procuring a license or registration through impersonation whether for himself, herself, or another



4 o. permitting an


4

Penalty

Points for First

Convic-tion




3 4

Penalty

Points for First

Convic-tion


tion q. operating an auto


3 4 r. any moving traffic


1 2







H. Multiauto Risk






1 .05 2 .10 3 .15 4 .50 5 .75 6 1.00

7 or more 1.50


PRIVATE PASSENGER






1. Owners


EXCEPTIONS:










2. Rates


3. Nonowners



1. Owners


EXCEPTIONS:








(b) If the named insured rejects the stacked underinsured motorists coverage option in writ-ing, nonstacked coverage must apply to all au-tos insured under the policy.


2. Rates

Refer to rate schedules of this Manual for $20,000/40,000 underinsured motorists coverage. Increased limits will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorists coverage.

3. Nonowners






PRIVATE PASSENGER













$1,000/6,000 1.96 1,500/9,000 2.84

2,000/12,000 3.63



Limit Factor

$50,000 2.00 75,000 3.00

100,000 4.00





Deductible Factor $0 1.508

Deductible Factor 50 1.160

100 1.000 250 0.900 500 0.775

1,000 0.581 1,500 0.481 2,000 0.419



1,000 0.780 1,500 0.640 2,000 0.538




Deductible Factor

$100 0.050 300 0.100 500 0.150

1,000 0.200









PRIVATE PASSENGER














B. Camper Bodies




Exceptions





D. Physical Damage








A. Motor Homes
















A. Antique Autos







PRIVATE PASSENGER







2. Refer to Rule 29 for $100 deductible comprehen-sive and collision factor. This is the only deductible

option available. Multiply the rates determined above by the appropriate factor.




PRIVATE PASSENGER




Coverage

Base Rate (Rate

Schedules And Rule

27)

Class Factors/ Primary

Rating Factor Table* (Rate

Schedules)


(SDIP) (Rule 26)


(Rule 25)

Certified Risk

Factor (Rule 3)

PIP Deductible

Credit (Rule 29.C)

WholeDollar

Premium

RBI LIAB. X ( +

) X X NA =

PD LIAB. X ( + ) X X

NA =

UM NA NA X NA NA =

UIM NA NA X NA NA =

PIP X (

+

) X NA X – =

COMP.**

COLL.**

Total =



R–1 September 26, 2012 Draft




September 26, 2012 Draft R–2


NOTES









Model Year Factor

Symbol Factor


Base Rates














$975



Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $614 $180 $297 $218 $150 $109 $75

03 587 145 349 218 150 109 75

04 407 124 212 218 150 109 75

05 607 157 340 218 150 109 75


Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $338 $180 $194 $218 $150 $109 $75

03 308 145 227 218 150 109 75

04 213 124 122 218 150 109 75

05 364 157 212 218 150 109 75

Territory


Benefit



Visit, 30 Visits

$25,000 Death

Benefit


01 $30 $64 $6 $1

03 35 75 6 1

04 21 46 6 1

05 34 73 6 1




01 $162 $516 03 65 460 04 92 448 05 75 574






Class RBI PD PIP


Benefit


Death Benefit


1A 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

1B 1.100 1.100 1.100 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

3 1.500 1.500 1.500 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000



1A 1.000 1.0001B 1.000 1.000 3 1.150 1.150

MODEL YEAR FACTORS


2013 1.10 1.10 2012 1.05 1.05 2011 1.00 1.00 2010 0.95 0.94 2009 0.90 0.88 2008 0.86 0.83 2007 0.81 0.76 2006 0.77 0.70 2005 0.74 0.66 2004 0.70 0.62 2003 0.66 0.58 2002 0.63 0.55 2001 0.60 0.51

1990—2000 0.57 0.48 1989 and Prior 1.00 1.00














1 0.75 0.85 2 1.00 1.00 3 1.21 1.09 4 1.37 1.16 5 1.54 1.22 6 1.71 1.28 7 1.87 1.35 8 2.04 1.42 10 2.23 1.49 11 2.44 1.56 12 2.68 1.64 13 2.91 1.72 14 3.18 1.82 15 3.51 1.94 16 3.82 2.05 17 4.12 2.16 18 4.41 2.27 19 4.77 2.40 20 5.19 2.53 21 5.67 2.66 22 6.27 2.82 23 6.93 2.99 24 7.90 3.23 25 9.17 3.54 26 10.43 3.85 27 * **



SYMBOL FACTORS Model Years 1989 and Prior


1 0.32 0.452 0.32 0.453 0.32 0.454 0.32 0.455 0.39 0.566 0.59 0.667 0.75 0.758 0.98 0.8510 1.22 0.9411 1.46 1.0412 1.74 1.1413 2.10 1.2614 2.51 1.4115 2.96 1.5816 3.47 1.7617 4.04 1.9118 4.69 2.0619 5.44 2.2520 6.34 2.4821 7.91 2.89





C–1




C–2


NOTES


C–3 September 26, 2012 Draft

































NOTE 1: For private passenger autos, refer to the Private Passenger Chapter.



Table 1

RBI Limits



Tractors

$50,000/100,000 1.680 1.680 100,000/300,000 2.200 2.200 300,000/300,000* 3.000 3.000 300,000/600,000* 3.030 3.030



September 26, 2012 Draft C–4


Table 1

RBI Limits


Truck-Tractors

Private Passenger

Types All Other

Risks

$50,000/100,000 1.680 1.680 1.680 100,000/300,000 2.200 2.200 2.200 300,000/300,000* 3.000 3.000 3.000 300,000/600,000* 3.030 3.030 3.030


Table 1A

PD Limits



Tractors

$15,000 1.06 1.06 20,000 1.10 1.10 30,000 1.14 1.14 50,000* 1.17 1.17

Table 1A

PD Limits


Truck-Tractors

Private Passenger

Types All Other

Risks

$15,000 1.06 1.05 1.06 20,000 1.10 1.07 1.10 30,000 1.14 1.09 1.14 50,000* 1.17 1.11 1.17








1. New Business



2. Renewal Business














NOTES:




1. Accidents



b. All Others

















2. Convictions


Penalty Points for

Each Conviction








Penalty Points for

Each Conviction









Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-








Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-



b. All Others























1 1.05 2 1.10 3 1.15 4 1.50 5 1.75 6 2.00 7 2.50

H. Multiauto Risks



2. All Others




A. New Business

1. All applications for risks eligible for experience modification under this Plan must indicate under Remarks Section that such modifications will be applied to the risk.

2. Submissions

HJUP servicing carriers will promulgate and submit a copy of the completed experience modification form to the HJUP Bureau for any eligible risk.

3. Completed experience modification form(s) must be submitted to the HJUP Bureau within 120 days of the inception of a policy(s). If experience is not obtainable within this time period, the risk will not be experience rated until the inception date of the renewal on the basis of experience applicable to the renewal period.

B. Renewal Business

1. Definition






2. Submissions

The servicing carrier will complete and submit to the HJUP Bureau on renewal date or within 15 days thereafter, a rating application form for each eligible renewal risk rated. In the case of auto insurance where required by ordinance or govern-mental authority, the application will be submitted at least ten days prior to the date by which evi-dence of insurance must be filed with administra-tive authorities.



Experience modification promulgated for any risk will be available to any other servicing carrier upon request with the servicing carrier of that risk. Experience may not be obtained from the HJUP Bureau.



Each promulgated modification will be established for a term of one year and to be applicable to the Manual rates and minimum premiums for the insurance included in the rating of the risk.


In the event a risk involves two or more policies with different effective dates, with the same servic-ing carrier, the promulgated rate will apply to such policies for the effective period of the modification and throughout the full term of such policies expir-ing not more than three months after the estab-lished expiration date of the modification.

F. Eligibility

1. The experience modification determined hereunder will apply at policy inception or renewal. No mid-term adjustment in the experience modification is permitted.


Any risk meeting the following qualifications for residual bodily injury and property damage liability exposures will be rated under this Plan:








Experience period will not be less than one year nor more than three years, commencing four years and terminating one year prior to the date for which the experience modification is to be established. Completed policy periods only will be used. If part of the earliest policy period falls outside of the normal three-year maximum period, such earliest policy period will be retained in full, provided the entire experience period does not then exceed 3½ years, and will be rejected in full if its retention increases the experience period beyond 3½ years.

H. Experience Used

The experience modification will be determined from experience incurred by all companies licensed in this state and all states, for the forms of auto liability insurance to be rated.

If the risk has been self-insured, the experience must be submitted to the servicing carrier in the form prescribed by the servicing carrier and signed by the insured. Experience in such form will be given credence in accordance with its apparent credibility.


1. For the determination of experience modifications, the term “basic limits” will mean the following limits of liability:




The basic limits premium will be the collected premium for the experience period converted to a basic limits basis and adjusted to eliminate the effect of any experience or other rate modification applied and any discount allowed for a policy term of more than one year.


The losses to be included in the rating will be the total of the following:










(3) LDF is the appropriate basic limit loss de-velopment factor applicable to expected losses (Premium x AELR). Before deter-mination of the actual loss ratio, the ex-pected losses will first be adjusted by the following loss development factors:

Commercial Autos

Latest Policy Year










5. Credibility


a. If the actual loss ratio is less than the adjusted expected loss ratio, the experience modifica-tion is a credit that will be determined as fol-lows:




Adjusted

b. If the actual loss ratio is greater than the adjusted expected loss ratio, the experience modification is a debit that will be determined as follows:




Actual









1–914 0.01 0.369 6700 33024–34488 0.36 0.449 12650 143391–150526 0.71 0.547 33950 915–1538 0.02 0.371 6800 34489–36000 0.37 0.452 12900 150527–158182 0.72 0.549 35300

1539–2176 0.03 0.373 6900 36001–37561 0.38 0.455 13200 158183–166415 0.73 0.552 36750 2177–2827 0.04 0.375 7050 37562–39174 0.39 0.458 13500 166416–175294 0.74 0.554 38300 2828–3492 0.05 0.377 7150 39175–40840 0.40 0.461 13800 175295–184898 0.75 0.555 40000 3493–4171 0.06 0.379 7250 40841–42564 0.41 0.464 14150 184899–195319 0.76 0.557 41800 4172–4865 0.07 0.381 7350 42565–44348 0.42 0.466 14500 195320–206667 0.77 0.559 43750 4866–5574 0.08 0.383 7500 44349–46195 0.43 0.469 14800 206668–219070 0.78 0.561 45850 5575–6298 0.09 0.385 7600 46196–48108 0.44 0.472 15200 219071–232683 0.79 0.562 48200 6299–7039 0.10 0.387 7750 48109–50092 0.45 0.475 15550 232684–247692 0.80 0.564 50750 7040–7797 0.11 0.389 7850 50093–52150 0.46 0.478 15950 247693–264324 0.81 0.565 53550 7798–8571 0.12 0.391 8000 52151–54286 0.47 0.481 16350 264325–282857 0.82 0.566 56650 8572–9364 0.13 0.393 8150 54287–56505 0.48 0.484 16750 282858–303636 0.83 0.568 60100

9365–10175 0.14 0.395 8250 56506–58812 0.49 0.487 17200 303637–327097 0.84 0.569 64000 10176–11006 0.15 0.397 8400 58813–61212 0.50 0.490 17650 327098–353333 0.85 0.570 68350 11007–11856 0.16 0.399 8550 61213–63711 0.51 0.493 18100 353334–380000 0.86 0.571 73000 11857–12727 0.17 0.402 8700 63712–66316 0.52 0.496 18600 380001–406667 0.87 0.571 77500 12728–13620 0.18 0.404 8850 66317–69032 0.53 0.499 19100 406668–433333 0.88 0.572 81900 13621–14534 0.19 0.406 9050 69033–71868 0.54 0.502 19650 433334–460000 0.89 0.572 86200 14535–15472 0.20 0.408 9200 71869–74831 0.55 0.505 20200 460001–486667 0.90 0.573 90350 15473–16433 0.21 0.411 9350 74832–77931 0.56 0.508 20800 486668–513333 0.91 0.573 94450 16434–17419 0.22 0.413 9550 77932–81176 0.57 0.511 21400 513334–540000 0.92 0.573 98450 17420–18431 0.23 0.416 9700 81177–84578 0.58 0.514 22000 540001–566667 0.93 0.574 102400 18432–19470 0.24 0.418 9900 84579–88148 0.59 0.517 22700 566668–593333 0.94 0.574 106200 19471–20537 0.25 0.420 10100 88149–91899 0.60 0.519 23350 593334–620000 0.95 0.574 109950 20538–21633 0.26 0.423 10300 91900–95844 0.61 0.522 24100 620001–646667 0.96 0.574 113650 21634–22759 0.27 0.425 10500 95845–100000 0.62 0.525 24850 646668–673333 0.97 0.574 117200 22760–23916 0.28 0.428 10700 100001–104384 0.63 0.528 25650 673334–700000 0.98 0.574 120750 23917–25106 0.29 0.431 10900 104385–109014 0.64 0.530 26500 700001–726667 0.99 0.574 124200 25107–26331 0.30 0.433 11150 109015–113913 0.65 0.533 27400 726668 and Over 1.00 0.575 127550 26332–27591 0.31 0.436 11350 113914–119104 0.66 0.535 28350 27592–28889 0.32 0.438 11600 119105–124615 0.67 0.538 29350 28890–30226 0.33 0.441 11850 124616–130476 0.68 0.540 30400 30227–31603 0.34 0.444 12100 130477–136721 0.69 0.543 31500 31604–33023 0.35 0.447 12350 136722–143390 0.70 0.545 32700








EXCEPTIONS:






2. Coverage Options





3. Rates

The rates set forth on the rate shedules are for $20,000/40,000 uninsured motorists coverage.

4. Limits

Increased limits for uninsured motorists coverage will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for uninsured motorists coverage.



EXCEPTIONS:






2. Coverage Options





3. Rates

The rates set forth on the rate schedules are for $20,000/$40,000 underinsured motorists coverage.

4. Limits



Rule 56. AGE GROUP


Age Groups

Definition


















1,000 .80

B. Physical Damage


1. Comprehensive

Deductible

FactorsPrivate

Passenger Types All

Other Full 1.508 1.438 $50 1.160 1.150 100 1.000 1.000 250 0.900 0.900 500 0.775 0.775

1,000 0.581 0.581 1,500 0.481 0.481 2,000 0.419 0.419

2. Collision

Deductible

FactorsPrivate


1,000 0.780 0.780 1,500 0.640 0.663 2,000 0.538 0.538


C–12


NOTES





























2. Trailers






















C–14






2. Size Class


b. Medium Trucks







(2) Extra Heavy Truck-Tractors—Truck-tractors that have a GCW over 45,000 pounds.










4. Radius Class














Service Factor CD

1.00 014– –

1.00 014– –

1.00 015– –

1.00 015– –

Retail Factor CD

1.60 024– –

1.60 024– –

1.60 025– –

1.60 025– –


1.40 034– –

1.40 034– –

1.40 035– –

1.40 035– –


GVW)

Service Factor CD

1.05 214– –

1.05 214– –

1.05 215– –

1.05 215– –

Retail Factor CD

1.65 224– –

1.65 224– –

1.65 225– –

1.65 225– –


1.90 234– –

1.90 234– –

1.90 235– –

1.90 235– –


GVW)

Service Factor CD

1.40 314– –

1.40 314– –

1.40 315– –

1.40 315– –

Retail Factor CD

2.35 324– –

2.35 324– –

2.35 325– –

2.35 325– –


2.50 334– –

2.50 334– –

2.50 335– –

2.50 335– –


lbs. GVW) Factor CD

2.75 404– –

2.75 404– –

2.75 405– –

2.75 405– –


lbs. GCW)

Service Factor CD

1.45 344– –

1.45 344– –

1.45 345– –

1.45 345– –

Retail Factor CD

2.40 354– –

2.40 354– –

2.40 355– –

2.40 355– –


2.55 364– –

2.55 364– –

2.55 365– –

2.55 365– –



2.80 504– –

2.80 504– –

2.80 505– –

2.80 505– –

Trailer Types


.25 674– –

.25 674– –

.25 675– –

.25 675– –

Trailers Factor CD

.25 684– –

.25 684– –

.25 685– –

.25 685– –


Factor CD

.00 694– –

.25 694– –

.00 695– –

.25 695– –




C–16







Service Factor CD

1.00 011– –

1.00 011– –

1.00 012– –

1.00 012– –

Retail Factor CD

1.60 021– –

1.60 021– –

1.60 022– –

1.60 022 –


1.40 031– –

1.40 031– –

1.40 032– –

1.40 032– –


GVW)

Service Factor CD

1.05 211– –

1.05 211– –

1.05 212– –

1.05 212– –

Retail Factor CD

1.65 221– –

1.65 221– –

1.65 222– –

1.65 222– –


1.90 231– –

1.90 231– –

1.90 232– –

1.90 232– –


GVW)

Service Factor CD

1.40 311– –

1.40 311– –

1.40 312– –

1.40 312– –

Retail Factor CD

2.35 321– –

2.35 321– –

2.35 322– –

2.35 322– –


2.50 331– –

2.50 331– –

2.50 332– –

2.50 332– –


lbs. GVW) Factor CD

2.75 401 – –

2.75 401 – –

2.75 402– –

2.75 402– –


lbs. GCW)

Service Factor CD

1.45 341– –

1.45 341– –

1.45 342– –

1.45 342– –

Retail Factor CD

2.40 351– –

2.40 351– –

2.40 352– –

2.40 352– –


2.55 361– –

2.55 361– –

2.55 362– –

2.55 362– –



2.80 501– –

2.80 501– –

2.80 502– –

2.80 502– –

Trailer Types


.25 671– –

.25 671– –

.25 672– –

.25 672– –

Trailers Factor CD

.25 681– –

.25 681– –

.25 682– –

.25 682– –


Factor CD

.00 691 –

.25 691 –

.00 692– –

.25 692– –










with Primary Factor

















4. Transporters of Explosives—A policy that covers an auto used for transporting explosives will not be endorsed to exclude coverage for the explosion hazard. Develop the premium by multiplying the trucks, tractors, and trailers residual bodily injury and property damage liability and personal injury protection coverage base premiums by 3.00.




Rule 74. TRUCKERS

A. Eligibility







C–18



2. All Others










Cover-age

Base Rate (Rate


Physical Damage

Deductible Factor

(Rule 57)


(Rule 73)


(Rule 73)


(Rule 52)

PIP Deductible

Factor (Rule 57)


Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB. NA

X( +/- ) X NA X X

=

PD LIAB. NA

X( +/- )X NA X X

=

PIP NA

X( +/- ) NA X X X

=

UM NA

NA NA X NA X NA NA

=

UIM NA

NA NA X NA X NA NA

=


NA

=


NA

=

TOTAL =




C–20


NOTES














1. Nonfleet


2. Fleet








NOTES





















Auto Type Factor








Auto Type Factor
















2. Use Class



















EXCEPTIONS:









































Radius Local




Factor CD

1.00 4189

2.70 4189

1.15 4199

3.10 4199

Limousine Factor CD

0.40 4289

1.35 4289

.45 4299

1.55 4299



Factor CD

1.20 618

.50 618

1.40 619

.55 619


1.50 628

.50 628

1.75 629

.55 629


1.00 638

1.00 638

1.15 639

1.15 639

Other Buses

Urban Bus Factor CD

.80 518

1.45 518

.90 519

1.65 519


.70 528

1.55 528

.80 529

1.80 529


1.05 538

.95 538

1.20 539

1.10 539


1.00 548

1.55 548

1.15 549

1.80 549


.75 558

.90 558

.85 559

1.05 559


.45 568

1.40 568

.50 569

1.60 569


Factor CD

.55 648

1.20 648

.65 649

1.40 649


.50 658

1.20 658

.60 659

1.40 659


.55 588

1.25 588

.65 589

1.45 589


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor

CD 1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124







Radius Local




Factor CD

1.00 4159

2.70 4159

1.15 4169

3.10 4169

Limousine Factor CD

0.40 4259

1.35 4259

.45 4269

1.55 4269



Factor CD

1.20 615

.50 615

1.40 616

.55 616


1.50 625

.50 625

1.75 626

.55 626


1.00 635

1.00 635

1.15 636

1.15 636

Other Buses

Urban Bus Factor CD

.80 515

1.45 515

.90 516

1.65 516


.70 525

1.55 525

.80 526

1.80 526


1.05 535

.95 535

1.20 536

1.10 536


1.00 545

1.55 545

1.15 546

1.80 546


.75 555

.90 555

.85 556

1.05 556


.45 565

1.40 565

.50 566

1.60 566


Factor CD

.55 645

1.20 645

.65 646

1.40 646


.50 655

1.20 655

.60 656

1.40 656


.55 585

1.25 585

.65 586

1.45 586


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor CD

1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124











Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses


Not Secondary

Rated


Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses


Not Secondary

Rated




Extra-Heavy Over 60







Coverage

Base Rate (Rate

schedules And Rule

55)

Physical Damage


Fleet Factor

(Rule 92)


(Rule 93)


(Rule 93)


(Rule 52)

PIP Deductible

Factor (Rule 57)

Experience Rating



Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB.

NA X

X ( +/- ) X

NA X X

=

PD LIAB.

NA X

X (

+/- ) X

NA X X

=

PIP

NA X

X (

+/- ) NA X

X X

=

UM

NA NA NA NA X

NA NA

NA =

UIM

NA NA NA NA X

NA NA

NA =

COMP. X

X

X ( +/- ) NA

NA X NA

=

COLL. X

X NA X ( +/- ) NA

NA X NA

=

TOTAL =




NOTES














A. A policy written in accordance with this Rule will not be endorsed to exclude coverages required under Chapter 431:10C, Hawaii Revised Statutes.








.40 .60



1. Eligibility











1. Eligibility














6. Nonowned Autos




SPECIAL TYPES







B. Eligibility







2. Trailer Types


3. All Other Types






.40 .45

2. All Other Types



.35 .35


A. Eligibility




1. Limousines









1. Limousines





.50 .45







B. Eligibility





SPECIAL TYPES







2. Trailer Types


3. All Other Types








3. All Other Types



.90 .90


A. General






















.509 1.389


SPECIAL TYPES




RBI and PD

Liability and PIP

Physical Damage





Physical Damage

2.00 3.00





C. Endorsements




A. Eligibility



B. Definitions

1. Mobile Equipment













(a) snow removal;






2. Farm Equipment







Refer to Rule 2.


SPECIAL TYPES






Mobile Equipment

Farm Equipment



Refer to Rule 2

E. Endorsements




A. Motor Homes












A. Antique Autos














SPECIAL TYPES



CR–1




CR–2


NOTES


CR–3





Territory





Territory Residual


01 $547 $259 $293 03 478 181 285 04 476 181 290 05 497 209 323

VAN POOLS

Territory Residual


01 $414 $281 $207 03 267 168 177 04 243 154 170 05 260 165 243


Territory Residual


01 $1,190 $489 $881 03 772 294 755 04 698 267 724 05 750 286 1039


Territory Residual



CR–4




OTHER BUSES

Territory Residual


01 $1,137 $553 $823 03 737 331 705 04 668 303 675 05 718 324 970

UNINSURED MOTORISTS

Rate Per Auto

$20,000/40,000 Limits

Stacked Nonstacked

PPT Public Autos All Other PPT Public Autos All Other

$62 $95 $37 $31 $47 $19


Rate Per Auto

$20,000/40,000 Limits

Stacked Nonstacked


117 220 88 58 110 44

C(PhD)–1




C(PhD)–2


NOTES


C(PhD)–3






Cost New Group 01 03 04 05 01 03 04 05

$0-6,500 1 $50 $32 $44 $27 $320 $326 $313 $389 2,3 45 28 39 24 288 294 282 350

4,5 40 25 35 22 256 261 250 311 6 32 20 28 18 208 212 203 253

6,501-8,000 1 66 42 58 36 376 384 368 458 2,3 59 38 52 32 338 346 331 412

4,5 53 34 46 29 301 307 294 366 6 43 27 38 23 244 250 239 298

8,001-9,000 1 80 51 70 44 410 419 401 499

2,3 72 46 63 39 369 377 361 449

4,5 64 41 56 35 328 335 321 399

6 52 33 46 28 266 272 261 324

9,001-10,000 1 90 58 79 49 436 445 427 531

2,3 81 52 72 44 393 401 384 478

4,5 72 46 64 39 349 356 342 425

6 59 37 52 32 284 290 277 345

10,001-11,250 1 102 65 89 55 459 468 449 559

2,3 91 58 80 50 413 422 404 503

4,5 81 52 71 44 367 375 359 447

6 66 42 58 36 298 305 292 363

11,251-12,500 1 113 72 99 62 481 492 471 586

2,3 102 65 89 55 433 442 424 528

4,5 90 57 79 49 385 393 377 469

6 73 47 64 40 313 319 306 381

12,501-13,750 1 123 79 108 67 508 518 497 618

2,3 111 71 98 61 457 467 447 556

4,5 99 63 87 54 406 415 397 495

6 80 51 70 44 330 337 323 402

13,751-15,000 1 135 86 118 73 534 545 523 650

2,3 121 77 106 66 481 491 470 585

4,5 108 69 95 59 427 436 418 520

6 88 56 77 48 347 354 340 423

15,001-16,250 1 147 94 129 80 560 572 548 682

2,3 132 84 116 72 504 515 493 614

4,5 118 75 103 64 448 458 439 546

6 96 61 84 52 364 372 356 444

16,251-17,500 1 161 102 142 88 587 599 574 714

2,3 145 92 127 79 528 539 517 643

4,5 129 82 113 70 469 479 459 572

6 105 67 92 57 381 389 373 464

17,501-18,750 1 177 113 155 96 617 630 604 751

2,3 159 101 140 87 555 567 543 676

4,5 142 90 124 77 493 504 483 601

6 115 73 101 63 401 409 392 488


C(PhD)–4






Cost New Group 01 03 04 05 01 03 04 05

18,751-20,000 1 $192 $122 $169 $105 $647 $660 $633 $788

2,3 173 110 152 94 582 594 570 709 4,5 154 98 135 84 517 528 506 630 6 125 79 110 68 420 429 411 512

20,001-22,000 1 210 134 184 114 684 699 670 834

2,3 189 120 166 103 616 629 603 750 4,5 168 107 148 92 547 559 536 667 6 136 87 120 74 445 454 435 542

22,001-24,000 1 232 147 204 126 729 745 714 889

2,3 208 133 183 114 656 670 643 800 4,5 185 118 163 101 584 596 571 711 6 151 96 132 82 474 484 464 578

24,001-26,000 1 252 160 222 138 771 787 754 939

2,3 227 144 199 124 694 708 679 845 4,5 202 128 177 110 617 630 604 751 6 164 104 144 89 501 512 490 610

26,001-28,000 1 272 173 239 148 812 829 795 989

2,3 245 156 215 133 731 746 715 890 4,5 218 138 191 119 650 664 636 791 6 177 112 155 96 528 539 517 643

28,001-30,000 1 291 185 256 159 854 872 835 1,040

2,3 262 167 230 143 768 785 752 936

4,5 233 148 205 127 683 697 668 832

6 189 120 166 103 555 567 543 676

30,001-33,000 1 315 200 277 172 902 922 883 1,099

2,3 283 180 249 155 812 829 795 989

4,5 252 160 221 137 722 737 707 879

6 205 130 180 112 587 599 574 714

33,001-36,000 1 343 218 301 187 951 972 931 1,159

2,3 308 196 271 168 856 874 838 1,043

4,5 274 174 241 149 761 777 745 927

6 223 142 196 121 618 631 605 753

36,001-40,000 1 374 238 329 204 1,000 1,021 979 1,218

2,3 337 214 296 184 900 919 881 1,096

4,5 299 191 263 163 800 817 783 975

6 243 155 214 133 650 664 636 792

40,001-45,000 1 414 263 364 226 1,060 1,083 1,038 1,292

2,3 372 237 327 203 954 975 934 1,162

4,5 331 211 291 181 848 866 830 1,033

6 269 171 236 147 689 704 675 840

45,001-50,000 1 457 291 402 249 1,124 1,148 1,100 1,369

2,3 412 262 362 225 1,012 1,033 990 1,232

4,5 366 233 322 200 899 919 880 1,096

6 297 189 261 162 731 746 715 890


C(PhD)–5






Cost New Group 01 03 04 05 01 03 04 05

50,001-60,000 1 $521 $332 $458 $284 $1,214 $1,240 $1,189 $1,479

2,3 469 299 412 256 1,093 1,116 1,070 1,331

4,5 417 265 367 228 972 992 951 1,183

6 339 216 298 185 789 806 773 962

60,001-70,000 1 605 385 532 330 1,331 1,359 1,303 1,621

2,3 545 347 479 297 1,198 1,223 1,172 1,459

4,5 484 308 425 264 1,065 1,087 1,042 1,297

6 393 250 346 215 865 884 847 1,054

70,001-80,000 1 688 438 605 375 1,448 1,478 1,417 1,763

2,3 620 394 544 338 1,303 1,331 1,275 1,587

4,5 551 350 484 300 1,158 1,183 1,133 1,411

6 447 285 393 244 941 961 921 1,146





C(PhD)–6






Original Cost New


$0-3,000 1 $14 $75

2,3 13 68

4,5 11 60

6 9 49

3,001-4,500 1 22 120

2,3 20 108

4,5 18 96

6 14 78

4,501-6,000 1 28 150

2,3 25 135

4,5 22 120

6 18 98

6,001-8,000 1 38 207

2,3 34 186

4,5 30 166

6 25 135

8,001-10,000 1 48 263

2,3 43 236

4,5 38 210

6 31 171

10,001-15,000 1 64 345

2,3 58 311

4,5 51 276

6 42 224

Over 15,000 1 92 435

2,3 83 392

4,5 74 348

6 60 283


C(PhD)–7






Original Cost New


$0-4,500 1 $13 $57

2,3 12 51

4,5 11 46

6 9 37

4,501-6,000 1 22 104

2,3 20 94

4,5 18 83

6 14 68

6,001-8,000 1 30 142

2,3 27 128

4,5 24 114

6 19 93

8,001-10000 1 37 182

2,3 34 164

4,5 30 146

6 24 118

10,001-15,000 1 52 244

2,3 47 220

4,5 41 196

6 34 159

15,001-20,000 1 66 286

2,3 59 257

4,5 53 229

6 43 186

Over 20,000 1 88 338

2,3 79 304

4,5 70 270

6 57 220


C(PhD)–8





All Territories


Original Cost New


$0-8,000 1 $16 $77

2,3 14 69

4,5 13 61

6 10 50

8,001-10,000 1 25 128

2,3 22 115

4,5 20 102

6 16 83

10,001-15,000 1 35 170

2,3 32 153

4,5 28 136

6 23 111

15,001-20,000 1 49 206

2,3 44 185

4,5 39 165

6 32 134

20,001-25,000 1 63 228

2,3 57 205

4,5 50 182

6 41 148

25,001-40,000 1 91 275

2,3 82 248

4,5 73 220

6 59 179

40,001-65,000 1 147 384

2,3 132 346

4,5 118 307

6 96 250

Over 65,000 1 217 481

2,3 195 433

4,5 174 385

6 141 313


C(PhD)–9






Original Cost New


$0-8,000 1 $13 $65

2,3 12 59

4,5 10 52

6 8 42

8,001-10,000 1 20 108

2,3 18 97

4,5 16 86

6 13 70

10,001-15,000 1 28 142

2,3 25 128

4,5 22 114

6 18 92

15,001-20,000 1 40 172

2,3 36 155

4,5 32 137

6 26 112

20,001-25,000 1 51 190

2,3 46 171

4,5 41 152

6 33 124

25,001-40,000 1 74 231

2,3 67 208

4,5 59 185

6 48 150

40,001-65,000 1 119 322

2,3 107 290

4,5 95 258

6 77 210

Over 65,000 1 176 403

2,3 159 363

4,5 141 323

6 114 262


C(PhD)–10




All Territories


Original Cost New


$0-1000 1 $18 $110

2,3 16 99

4,5 15 88

6 12 71

1,001-2,000 1 37 158

2,3 33 142

4,5 29 126

6 24 103

2,001-3,000 1 61 268

2,3 55 241

4,5 49 214

6 40 174

3,001-4,500 1 85 426

2,3 77 384

4,5 68 341

6 56 277

4,501-6,000 1 122 632

2,3 110 569

4,5 98 506

6 79 411

6,001-8,000 1 165 871

2,3 148 784

4,5 132 697

6 107 566

8,001-10,000 1 214 1,136 2,3 192 1,023 4,5 171 909

6 139 739

10,001-20,000 1 348 1,672 2,3 313 1,505 4,5 278 1,338

6 226 1,087

20,001-40,000 1 702 2,463

2,3 631 2,217

4,5 561 1,970

6 456 1,601

Over 40,000 1 1,165 3,409 2,3 1,049 3,068

4,5 932 2,727 6 757 2,216


C(PhD)–11




Original Cost New


$0-3,000 1 $28 $96 2,3 25 86

4,5 22 76 6 18 62

3,001-4,500 1 $44 $153 2,3 40 138

4,5 35 122 6 29 99

4,501-6,000 1 $56 $191 2,3 50 172

4,5 45 153 6 36 124

6,001-8,000 1 $76 $264 2,3 68 237 4,5 61 211

6 49 171

8,001-10,000 1 $96 $335 2,3 86 301 4,5 77 268

6 62 217 10,001-15,000 1 $128 $440

2,3 115 396 4,5 102 352

6 83 286

Over $15,000 1 $184 $554 2,3 166 499 4,5 147 443

6 120 360


C(PhD)–12




Original Cost New


$0-3,000 1 $55 $94 2,3 50 85

4,5 44 75 6 36 61

3,001-4,500 1 $87 $151 2,3 78 136

4,5 70 121 6 57 98

4,501-6,000 1 $110 $188 2,3 99 170

4,5 88 151 6 72 122

6,001-8,000 1 $150 $260 2,3 135 234 4,5 120 208

6 97 169

8,001-10,000 1 $188 $330 2,3 169 297 4,5 151 264

6 122 214 10,001-15,000 1 $252 $433

2,3 227 390 4,5 202 347

6 164 282

Over $15,000 1 $362 $546 2,3 326 492 4,5 290 437

6 235 355

Amended

Exhibit B

Sheet 1

Hawaii (52)Joint Underwriting Plan

(1) (2) (3) (4) (5)

JUP eff. 01-01-1999 Proposed JUP eff. 01-01-1999 Proposed Cal. Yr. 2010 Split Limit Rates Split Limit Rates Split Limit Rates Split Limit Rates

Comm Car $20/40 $10,000 $20/40 $10,000 $20/40 $10,000 $20/40 $10,000Territory Exposures BI PD PIP BI PD PIP BI PD PIP BI PD PIP

1 544.41 $293 $199 $188 $298 $202 $192 $322 $209 $188 $327 $213 $1923 155.89 189 119 161 192 121 164 208 124 161 212 126 1644 67.93 172 109 154 175 111 157 189 114 154 192 116 1575 306.24 184 117 221 187 119 225 202 122 221 205 124 225

Total 1,074.47 $262.85Off-Balance Factors: BI 1.01704

PD 1.01723PIP 1.01915

Proposed rates in columns (3) and (5) = Column (2) or (4) x Off-Balance Factors based on HJUP in-force policies effective 3/31/2011.

(5) (6) (7) (8)Original Re-RatedIn-Force In-Force Off-Balance

Coverage Premium Premium Factor

BI 672,276 661,015 1.01704# Col (6) off-balanced for R¹ (0.000), R² (0.000) and R³ (0.000) ISO Class Plan PD 239,935 235,871 1.01723Notes: PIP 251,825 247,093 1.01915

Notes:(6) = HJUP Trucks, Tractors and Trailers In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Trucks, Tractors and Trailers data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Trucks, Tractors and Trailers

Off-Balance Calcualtion

Nonfleet Fleet


Exhibit B

Sheet 2


Rate ComparisonPrivate Passenger Types

(1) (2) (3)

JUP eff. 01-01-1999 Proposed A.I.P (Adjusted)# Cal. Yr. 2010 Split Limit Rates Split Limit Rates Split Limit Rates

PPT $20/40 $10,000 $20/40 $10,000 $15/30Territory Exposures BI PD PIP BI PD PIP BI

1 59.10 $568 $264 $310 $547 $259 $293 $03 20.61 497 184 301 478 181 285 04 1.72 494 184 306 476 181 290 05 33.63 516 213 341 497 209 323 0

Total 115.06 $0.00Off-Balance Factors: BI 0.96272

PD 0.98125Combined 0.94633

Proposed rates in columns (3) = Column (2) x Off-Balance Factors based on HJUP in-force policies effective 3/31/2011.

Private Passenger TypesOff-Balance Calcualtion




Notes:(6) = HJUP Private Passenger Types In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Private Passenger Types data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

(6)

Exhibit B

Sheet 3

Hawaii (52)

Joint Underwriting Plan

Rate Comparison


(1) (2) (3)


Taxicabs & Limos $20/40 $10,000 $20/40 $10,000 $15/30Territory Exposures BI PD PIP BI PD PIP BI

1 78.17 $1,132 $469 $845 $1,190 $489 $881 $03 9.39 734 282 724 772 294 755 04 8.89 664 256 694 698 267 724 05 6.17 713 274 996 750 286 1039 0

Total 102.62

Off-Balance Factors: BI 1.05139PD 1.04316PIP 1.04317


Taxicabs and LimousinesOff-Balance Calcualtion




Notes:(6) = HJUP Taxicabs and Limousines In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Taxicabs and Limousines data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

(6)

Exhibit B

Sheet 4

Joint Underwriting PlanRate Comparison

School and Church Buses

(1) (2) (3)

Cal. Yr. 2010 JUP eff. 01-01-1999 Proposed A.I.P (Adjusted)#School and Split Limit Rates Split Limit Rates Split Limit RatesChurch Bus $20/40 $10,000 $20/40 $10,000 $15/30

Territory Exposures BI PD PIP BI PD PIP BI

1 26.50 $382 $297 $369 $265 $206 $271 $03 1.17 248 178 316 172 124 232 04 5.05 224 163 303 156 113 223 05 8.48 241 174 435 167 121 320 0

Total 41.20#DIV/0!



School and Church BusesOff-Balance Calcualtion




Notes:(6) = HJUP School and Church Buses In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force School and Church Buses data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

(6)

Hawaii (52)

Exhibit B

Hawaii (52) Sheet 5


Other Buses

(1) (2) (3)

Cal. Yr. 2010 JUP eff. 01-01-1999 Proposed A.I.P (Adjusted)#All Other Split Limit Rates Split Limit Rates Split Limit RatesBuses $20/40 $10,000 $20/40 $10,000 $15/30


1 1.55 $1,909 $446 $1,843 $1,137 $553 $823 $03 0.00 1238 267 1579 737 331 705 04 0.00 1122 244 1513 668 303 675 05 0.00 1205 261 2173 718 324 970 0

Total 1.55



Other BusesOff-Balance Calcualtion




Notes:(6) = HJUP Other Buses In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Other Buses data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

(6)

Exhibit B

Hawaii (52) Sheet 6


Van Pools

(1) (2) (3)

Proposed Proposed A.I.P (Adjusted)# Cal. Yr. 2010 Truck, Tractor, Trailer - Nonfleet Split Limit Rates Split Limit Rates

Van Pools $20/40 $10,000 $20/40 $10,000 $15/30Territory Exposures BI PD PIP BI PD PIP BI

1 0.00 $298 $202 $192 $414 $281 $207 $03 0.00 192 121 164 267 168 177 04 0.00 175 111 157 243 154 170 05 0.00 187 119 225 260 165 243 0

Total 0.00 #DIV/0!

Relativity: BI 1.39PD 1.39PIP 1.08

Van pool rates are calculated as proposed TTT non-fleet rates x current HIB approved loss cost relativity factor.

(6)

Exhibit B

Hawaii (52) Sheet 7


Private Passenger Types - Physical Damage

(2) (3)

PPT Physical Damage$100 Ded $250 Ded $100 Ded $250 Ded

Territory Comp Coll Comp Coll

1 $75 $425 $66 $3763 47 434 42 3844 66 416 58 3685 41 517 36 458

0Total

Off-Balance Factors: COMP 0.88447COLL 0.88492


Private Passenger Types - Physical DamageOff-Balance Calcualtion



COMP 9,685 10,950 0.88447# Col (6) off-balanced for R¹ (0.000), R² (0.000) and R³ (0.000) ISO Class Plan COLL 38,278 43,256 0.88492

Notes:(6) = HJUP Private Passenger Types - Physical Damage In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Private Passenger Types - Physical Damage data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Proposed factors in column (3) = Column (2) x Off-Balance Factors based on current HJUP book of business.

Calendar Year 2010

(1)

50.729.69

JUP eff. 01-01-1999

017.53

Exposures

77.94

ProposedPPT Physical Damage

PPT - Phys. Dam.

Exhibit B

Hawaii (52) Sheet 8


Trucks, Tractors, Trailers - Physical Damage

(1)

TTT Physical Damage TTT Physical Damage

$100 Ded $250 Ded $100 Ded $250 Ded Base ACV Comp Coll Comp Coll

$4,501-$6,000 $28 $165 $28 $150$4,501-$6,000 22 115 22 104

$10,001-$15,000 34 187 35 170$10,001-$15,000 28 156 28 142

$2,001-$3,000 60 295 61 268



Trucks, Tractors, Trailers - Physical DamageOff-Balance Calcualtion



COMP 22,526 22,147 1.01711COLL 105,654 116,449 0.90730

Notes:(6) = HJUP Trucks, Tractors, Trailers - Physical Damage In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Trucks, Tractors, Trailers - Physical Damage data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Note: Total Calendar/Accident Year 2010 exposure volume for TTT-Physical damage is 1,044 exposures.

MediumHeavy

Extra Heavy

ProposedJUP eff. 01-01-1999

(3)(2)

TTT Type

Light

Trailers

Amended

Exhibit B

Hawaii (52) Sheet 9


Publics - Physical Damage

(1) (3) (4)Proposed

Cal. Year 2010 Current HIB Approved $4,501-$6,000 OCN, Age 1 Physical Loss Cost Relativity Physical Damage Rate

Damage $100 Ded $250 Ded $100 Ded $250 Ded $100 Ded $250 Ded Exposures Comp Coll Comp Coll Comp Coll

126.47 $28 $150 1.39 1.50 $56 $1910.00 28 150 1.39 1.50 56 19128.00 28 150 0.61 0.64 110 188

353.10 28 150 0.61 0.64 110 188

507.57

Comp CollOff-Balance Factors: Buses 6.44687 1.96193

1.43729 0.84954

Proposed rates in columns (4) = Column (2) x Column (3) x Off-Balance Factors based on HJUP in-force policies effective 3/31/2011.

Publics - Physical DamageOff-Balance Calcualtion



Buses COMP 20,688 3,209 6.44687TLV COMP 2,120 1,475 1.43729

Buses COLL 37,308 19,016 1.96193TLV COLL 25,063 29,502 0.84954

Notes:(6) = HJUP Publics - Physical Damage In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Publics - Physical Damage data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Taxi, Limo, Van Pools

Taxis and LimosVan Pools

All Other BusesSchool & Church Buses

Physical Damage Rate

Proposed Light Truck$4,501-$6,000 OCN, Age 1

(2)

HAWAII JOINT UNDERWRITING PLAN

Side-by-Side Exhibit—Commercial Auto Manual

May 16, 2012 Page 1 of 28

Current Manual Provision Proposed Manual

Provision Rule 1. INCREASED LIMITS AND OTHER REQUIRED BENEFITS Rule 52

A. The rates shown on the rate sheets in this Manual are basic limits coverage of $20,000 per person/40,000 per accident aggregate residual bodily injury liability, $10,000 per occurrence property damage liability, and $10,000 per person personal injury protection. See Rules 14 and 14A for uninsured motorist and underinsured motorist coverage.

Rule 52.A

B. Increased limits for residual bodily injury liability coverage shall be afforded with the following factors applicable to the basic rate for residual bodily injury liability coverage:

Limits Factor $50,000 per person/100,000 per occurrence 1.680 $100,000 per person/300,000 per occurrence 2.200 $300,000 per person/300,000 per occurrence* 3.000 $300,000 per person/600,000 per occurrence* 3.030 * Note paragraph C.

C. A bodily injury limit of $300,000 per person/$300,000 per occurrence and $300,000 per person/600,000 per occurrence shall only be afforded for those insureds required by law to carry such liability coverage.

Rule 52.A

D. Increased limits for property damage liability coverage shall be afforded with the following factors applicable to the basic rate for property damage liability coverage:

1. Private Passenger Types and Named Nonowner Policies Limits Factor $15,000 per occurrence 1.05 (minimum $1) $20,000 per occurrence 1.07 (minimum $2) $30,000 per occurrence 1.09 (minimum $3) $50,000 per occurrence* 1.11 (minimum $5) * Where required by law.

Rule 52.A

2. Other than Private Passenger Types and Named Nonowner Policies Limits Factor $15,000 per occurrence 1.06 (minimum $1) $20,000 per occurrence 1.10 (minimum $2) $30,000 per occurrence 1.14 (minimum $3) $50,000 per occurrence* 1.17 (minimum $5) * Where required by law.

Rule 52.A

Rule 2. POLICY PERIOD No policy may be written for a period longer than 12 months. The premium to be charged for policy terms not exceeding 12 months shall be as follows: A. 12 Month Policies—Charge the annual rates or minimum premiums, whichever

apply. B. Short Term Policies—If a policy is issued for a period of less than 12 months it shall

be written pro rata and the premium for the policy shall be computed in accordance with the Pro Rata Table in the Cancellation Rule. Short term policies may be issued: 1. When a policy is issued on a short term basis to replace an outstanding policy of

a company in liquidation, provided the new policy is based upon the rules and rates in effect at the time replacement is made and shall be in effect for a period equal to the unexpired term of the outstanding policy.


Rule 6

Rule 3. CHANGES Rule 7

A. All changes requiring adjustments of premium shall be computed pro rata. Rule 7.A B. If an automobile or a form of coverage that was cancelled from a policy at the request

of the insured is reinstated within 30 days, the premium shall be the same as the amount that was returned at the time of cancellation.

Rule 7.B

C. Minimum Premiums 1. If an outstanding policy is amended and results in a premium adjustment of less

than $5, such adjustment may be waived, or it may be made subject to a mini-mum adjustment of $5 except that the actual return premium of less than $5 shall be allowed at the request of the insured.

Rule 7.C.1

2. A minimum premium of $5 shall apply if an additional premium results because a coverage is added or the limits of liability are increased or a deductible is reduced at the request of the insured during the policy period.

Rule 7.C.2



Page 2 of 28 May 16, 2012


Provision 3. If a return premium of less than $5 results because a coverage is cancelled, or

limits of liability are reduced or deductible is increased at the request of the insured, no refund need be made except at the request of the insured, in which case the actual return premium shall be allowed.

Rule 7.C.3

4. If the limits of liability are increased because of a change in the limits prescribed under any financial responsibility law, the additional premium charge shall be the actual difference in premium charges; if less than $5, it may be charged or waived.

Rule 7.C.4

D. Endorsements Midterm changes adding or replacing a vehicle shall be made as follows: 1. Endorsements adding a vehicle to the policy shall be made using the rules and

rates in effect at the time the change is made. 2. Endorsements replacing one vehicle with another:

a. For bodily injury, property damage, basic personal injury protection, and excess personal injury protection coverages, the rules and rates in effect for the vehicle being replaced shall be used.

b. For physical damage coverages, the rates in effect at the time the change is made shall be used.

Rule 7.D

Rule 4. CANCELLATION Rule 8


Rule 8.A

B. If cancellation of the policy results in a return premium of less than $5, no refund need be made except at the request of the insured, in which case the actual return premium shall be allowed.

Rule 8.B

C. Instructions for Use of Pro Rata Table 1. Express the date of cancellation by year and decimal part of a year by combining

the calendar year with the decimal appearing opposite the month and day in the Pro Rata Table; e.g., March 7, 1996 is designated as 1996.181.

2. In like manner express the effective date of the policy by year and decimal part of a year and subtract from the cancellation date.

3. The difference, in the case of one year policies, represents the percentage of the annual premium which is to be retained by the carrier.

EXAMPLES: Cancellation date, September 22, 1996 1996.726 Effective date, July 6, 1996 1996.512 .214 Earned premium for one year policy term will therefore be .214 times the annual premium. Cancellation date, March 7, 1996 1996.181 Effective date, December 15, 1995 1995.956 .225 Earned premium for one year policy term will therefore be .225 times the annual premium.

Rule 8.C

Note: As it is not customary to charge for the extra day (February 29) which occurs one year in every four years, this table shall also be used for each such year.

Pro Rata Table

PRO RATA TABLE Pro Rata Table

Rule 5. PREMIUM DETERMINATION Rule 51

A. To determine the personal injury protection rate for risks of the commercial automobile or private passenger type covered by Worker’s Compensation, apply a factor of .60 to the otherwise applicable personal injury protection rate.

Rule 51.E.1

B. If the use of the automobile involves more than one classification under one or more sections of the manual, the highest rated classification shall apply.

Rule 73.B.3 and Rule 93.A

Rule 6. ADDITIONAL CHARGES Rule 53

A. Applicable to all vehicles rated in accordance with the HJUP Commercial Automobile Manual, except taxicabs and vehicles of leasing and rental concerns.

Rule 53.A

B. An additional charge of 35% shall be made if the applicant or anyone who usually drives the motor vehicle has during the 36 months immediately preceding the date of application, and in case of renewal, during the 36 months immediately preceding the effective date of the renewal policy:

Rule 53.F.1.b and Rule 53.C



May 16, 2012 Page 3 of 28


Provision 1. been involved as an operator or an owner in more than one motor vehicle

accident resulting in injury to or death of any person or damage to property, provided that if the risk is subject to a debit of 35% or more under the HJUP Experience Rating Plans, such debit shall be deemed to include the additional charge of 35%, and if the debit is less than 35%, the additional charge of 35% shall be deemed to include the experience debit; or provided that if a risk is subject to a credit under the HJUP Experience Rating Plans, such credit shall be applied in addition to the additional charge of 35%, or

Rule 53.A.2 states that additional charges do not apply to experience rated risks.

2. been convicted of any of the following violations: Rule 53.F.2.b a. driving a motor vehicle while under the influence of intoxicating liquor or

narcotic drugs, Rule 53.F.2.b(1)

b. revocation of privilege to drive motor vehicle upon refusal to submit to test, Rule 53.F.2.b(2) c. failing to stop and report when involved in an accident, Rule 53.F.2.b(3) d. homicide or assault arising out of the operation of a motor vehicle, Rule 53.F.2.b(4) e. driving a motor vehicle at an excessive rate of speed where injury to person

or damage to property results therefrom, Rule 53.F.2.b(5)

f. driving a motor vehicle in a reckless manner where injury to person or damage to property results therefrom,

Rule 53.F.2.b(6)

g. operating a motor vehicle during period of revocation or suspension of registration or license,

Rule 53.F.2.b(7)

h. operating a motor vehicle without state or owner’s authority, Rule 53.F.2.b(8) i. loaning operator’s license to an unlicensed operator, Rule 53.F.2.b(9) j. permitting an unlicensed person to drive, Rule 53.F.2.b(10) k. the making of false statements in the application for license or registration, Rule 53.F.2.b(11) l. impersonating an applicant for license or registration, or procuring a license

or registration through impersonation whether for himself or another, Rule 53.F.2.b(12)

m. operating a motor vehicle without motor vehicle insurance, or Rule 53.F.2.b(13) 3. been convicted more than once of any moving traffic offense (other than those

listed in paragraph 2 above) unless all such convictions arise out of a single incident or occurrence, or

Rule 53.F.2.b(14)

4. been involved as an operator or owner in a motor vehicle accident resulting in injury to or death of any person or damage to property and been convicted of any moving traffic offense as specified in paragraph 3 above, unless the accident and violation constituted, or arose out of, a single incident or occurrence.

Deleted

The additional charges shall be applied first to the vehicle which will produce the higher dollar amount, and successively to the next such vehicle on as many vehicles as there are persons subject to additional charges.

Rule 53.H.2

EXCEPTIONS: Additional charges shall not be made under this subsection against the applicant for involvement in an accident:

Rule 53.F.1 EXCEPTIONS

1. which occurred while the motor vehicle owned or operated by the applicant or other person who usually drives the applicant’s motor vehicle was lawfully parked; nor

Rule 53.F.1.Exception 2

2. for involvement in an accident in which the motor vehicle was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours; nor


3. for involvement in an accident as a result of which the applicant or other person who usually drives the applicant’s motor vehicle obtained a judgment against, or a settlement from or on behalf of, the owner or operator of another vehicle involved in such accident, if the judgment or settlement was obtained prior to the date of application or, in case of renewal, prior to the effective date of the renewal policy, and provided no judgment was obtained against, nor any amount paid in settle-ment by or on behalf of, the applicant or other person who usually drives the applicant’s motor vehicle, as a result of such accident; nor


4. for involvement in an accident in connection with which neither the applicant nor other person who usually drives the applicant’s motor vehicle was convicted of a moving traffic violation, and the owner or operator of another vehicle involved was so convicted; nor


5. accident results in payment under personal injury protection or additional personal injury protection and applicant or other operator residing in the same household is not at fault; nor


6. accidents involving damage by contact with animals or fowl; nor Rule 53.F.1.Exception 7



Page 4 of 28 May 16, 2012


Provision 7. accidents involving physical damage, limited to and caused by flying gravel,

missiles, or falling objects. Rule 53.F.1.Exception 8

Note: Convictions for the following shall not be regarded as moving traffic violations:

Rule 53.F.2.b EXCEPTIONS


Rule 53.F.2.b Exception 1

2. failure to display proper number plates provided such plates are in existence; Rule 53.F.2.b Exception 2 3. failure to have operator’s or chauffeur’s license provided there is one in existence. Rule 53.F.2.b Exception 3 The term “conviction” wherever used in this Manual shall be deemed to include a forfeiture of bail, penal summons, bench warrants outstanding for failure to appear, or a determination by a juvenile court authority, formally or informally, that an offense has been committed.

Rule 53.E. Note 2

Rule 7. CERTIFIED RISKS—FINANCIAL RESPONSIBILITY LAWSIf a certificate of insurance is filed on a risk to comply with the requirements of an automobile financial responsibility law, the bodily injury, personal injury protection, and property damage premium, including all applicable surcharges, shall be increased in accordance with the provisions of this Rule. The additional premium for the risk shall be computed as follows: A. Owners

1. If an owner is required to file evidence of financial responsibility for owned automobiles and for the operation of automobiles which he does not own, the additional premium shall be computed by applying the applicable surcharge in paragraph B to the sum of the premium for the highest rated automobile owned by the insured and the total nonownership liability premium, modified in accord-ance with any applicable rating plan.

2. In all other cases, the additional premium shall be computed by applying the applicable surcharge in paragraph B to the premium for the highest rated auto-mobile owned by the insured, modified in accordance with any applicable rating plan.

B. Surcharges The following surcharges are applicable to PIP, BI, and PD premiums. 1. A 50% surcharge is applicable if the certificate is required for a conviction listed

below. This surcharge is to be applied for the period of time a certificate is re-quired but in no event for a period in excess of three years following conviction. a. Driving a motor vehicle while intoxicated. b. Failing to stop and report when involved in an accident. c. Homicide or assault arising out of the operation of a motor vehicle.

2. A 25% surcharge is applicable if the certificate is required for a conviction listed below. This surcharge is to be applied for the period of time a certificate is re-quired but in no event for a period in excess of three years following conviction.

Rule 3

a. Driving a motor vehicle at an excessive rate of speed where an injury to person or damage to property actually results therefrom.

b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom.

3. A 5% surcharge is applicable if the certificate is required for any other cause whatsoever.

Rule 3

Rule 8. AGE GROUPS FOR PHYSICAL DAMAGE COVERAGES Rule 56

Age Group Definition Code 1 All automobiles of the current model year 1 2 All automobiles of the first preceding model year 2 3 All automobiles of the second preceding model year 3 4 All automobiles of the third preceding model year 4 5 All automobiles of the fourth preceding model year 5 6 All automobiles of the fifth preceding model year 6

Rule 56.A

For the purpose of this definition, the current model year shall change effective October 1 of each calendar year regardless of actual introductory dates of the several makes and models.

Rule 56.A. Note 1

Rebuilt or Structurally Altered Automobiles—The age of the chassis determines the age of the car.

Rule 56.A. Note 2



May 16, 2012 Page 5 of 28


Provision The terms “new” and “old” mean: New— Automobile purchase new not more than 18 months prior to date insurance attaches. (Code 1) Old — All other automobiles. (Code 3)

Deleted

Rule 9. RULE FOR DETERMINING ACTUAL CASH VALUE PREMIUMS NOT DISPLAYED

Actual Cash Value premiums for types of automobiles and coverages for which premiums are not displayed shall be determined as follows: A. Determine the Original Cost New. Original Cost New must include federal, state,

and local sales taxes or other taxes which may be levied in lieu of such sales taxes. If that Original Cost New cannot be ascertained, determine the proper premium by using the price-new-at factory of chassis plus the price-new-of the body, if available. If not available, increase the Price-New-at Factory of Chassis by 33%.

B. Determine age group. C. Apply stated amount rates to an amount of insurance determined by use of the

following table: Age Groups 1 Original Cost New (chassis and body) 2,3 90% of Original Cost New (chassis and body) 4,5 80% of Original Cost New (chassis and body) 6 65% of Original Cost New (chassis and body)

D. When miscellaneous coverages are to be added to fire and theft, add to the displayed fire and theft Actual Cash Value premiums displayed in the manual the premium calculated in accordance with the above for the miscellaneous coverages.

Deleted

Rule 10. WHOLE DOLLAR PREMIUM The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving $.50 or more shall be rounded to the next higher whole dollar. This procedure shall apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company, the return premium may be carried to the next higher whole dollar. Note: The phrase “each exposure” as used herein shall mean each premium developed

(after the application of all applicable adjustments) for each automobile.

Rule 4

Rule 11. MINIMUM PREMIUM RULE

The minimum annual premium charge is $50, subject to no reduction, for each policy covering one or more of the following perils:

Comprehensive Fire Theft Combined Additional Coverage Collision Bodily Injury Liability Property Damage Liability Personal Injury Protection

Rule 5.A

(but not including uninsured motorists insurance) even though coverage against other perils be included in the policy. The minimum premium shall be inclusive of additional charges imposed for additional hazards in connection with the perils named above.

Rule 5.B

In the event of cancellation or the issuance of a short term policy, pro rata of such annual minimum premium shall be charged as the conditions require.

Rule 5.C

This minimum premium shall apply to each policy, certificate, or declaration under a bordereau.

Deleted



Page 6 of 28 May 16, 2012


Provision Rule 12. RULES FOR DETERMINING OTHER THAN COLLISION

PREMIUM ABOVE $33,000 ORIGINAL COST NEW NOT DISPLAYED ON RATE SCHEDULES

Automobiles above $33,000 Original Cost New shall be rated as follows: A. Determine age group. B. Apply the following factor to the $6,501–$8,000 Original Cost New rate:

Symbol Original Cost New Factor 1 $0– 6,500 0.75 2 6,501– 8,000 1.00 3 8,001– 9,000 1.21 4 9,001– 10,000 1.37 5 10,001– 11,250 1.54 6 11,251– 12,500 1.71 7 12,501– 13,750 1.87 8 13,751– 15,000 2.04 10 15,001– 16,250 2.23 11 16,251– 17,500 2.44 12 17,501– 18,750 2.68 13 18,751– 20,000 2.91 14 20,001– 22,000 3.18 15 22,001– 24,000 3.51 16 24,001– 26,000 3.82 17 26,001– 28,000 4.12 18 28,001– 30,000 4.41 19 30,001– 33,000 4.77 20 33,001– 36,000 5.19 21 36,001– 40,000 5.67 22 40,001– 45,000 6.27 23 45,001– 50,000 6.93 24 50,001– 60,000 7.90 25 60,001– 70,000 9.17 26 70,001– 80,000 10.43 27 Over 80,000 + + Develop the comprehensive base rates for Symbol 27 vehicles by:

1. Increasing the factor for Symbol 26 by + 1.25 for each $10,000 or fraction of $10,000 above $80,000 of Original Cost New, and

2. Applying this factor to the $6,501–$8,000 Original Cost New rate on the rate pages for the applicable age group.

Deleted



May 16, 2012 Page 7 of 28


Provision Rule 12A. FORMULA FOR CALCULATING COLLISION PREMIUMS

ABOVE $33,000 ORIGINAL COST NEW NOT DISPLAYED ON RATE SCHEDULES

Automobiles above $33,000 Original Cost New shall be rated as follows: A. Determine age group. B. Apply the following factor to the $6,501–$8,000 Original Cost New rate:

Symbol Original Cost New Factor 1 $0– 6,500 0.85 2 6,501– 8,000 1.00 3 8,001– 9,000 1.09 4 9,001– 10,000 1.16 5 10,001– 11,250 1.22 6 11,251– 12,500 1.28 7 12,501– 13,750 1.35 8 13,751– 15,000 1.42 10 15,001– 16,250 1.49 11 16,251– 17,500 1.56 12 17,501– 18,750 1.64 13 18,751– 20,000 1.72 14 20,001– 22,000 1.82 15 22,001– 24,000 1.94 16 24,001– 26,000 2.05 17 26,001– 28,000 2.16 18 28,001– 30,000 2.27 19 30,001– 33,000 2.40 20 33,001– 36,000 2.53 21 36,001– 40,000 2.66 22 40,001– 45,000 2.82 23 45,001– 50,000 2.99 24 50,001– 60,000 3.23 25 60,001– 70,000 3.54 26 70,001– 80,000 3.85 27 Over 80,000 + + Develop the comprehensive base rates for Symbol 27 vehicles by:

1. Increasing the factor for Symbol 26 by +.30 for each $10,000 or fraction of $10,000 above $80,000 of Original Cost New, and


NOTES: 1. For automobiles built in the U.S., use Original F.O.B. List Price. 2. For specially built automobiles, use Original Cost New. 3. For imported automobiles, use Original Cost New in the U.S.

Deleted

Rule 13. AMPHIBIOUS EQUIPMENT For equipment designed to be operated on both land and water, the normal rating procedures apply according to type and use thereof. Attach applicable endorsement.

Deleted

Rule 14. UNINSURED MOTORISTS INSURANCE Rule 55

Uninsured Motorists Insurance for Owners (Class Code: Refer to Statistical Plan) Uninsured motorists coverage shall be provided on a stacked basis, at limits equal to the bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle registered or principally garaged in Hawaii. EXCEPTIONS: a. The named insured may reject in writing

(1) uninsured motorists coverage in its entirety; or (2) stacked uninsured motorists coverage and select nonstacked coverage; or (3) limits equal to the bodily injury liability limits and select lower limits, but not less than the financial responsibility limits.

b. The written agreement to reject this coverage or select lower limits shall only be required when the policy is first applied for or issued. The written agreement need not be required on any subsequent renewal or replacement policy.

Rule 55.A



Page 8 of 28 May 16, 2012


Provision Uninsured Motorists Coverage Options The option to reject stacked uninsured motorist coverage shall be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing. If the named insured does not reject stacked uninsured motorists coverage in writing, stacked coverage must apply to all vehicles insured under the policy. If the named insured rejects the stacked uninsured motorists coverage option in writing, nonstacked coverage must apply to all vehicles insured under the policy. The insurer shall notify the named insured of this option only when the policy is first applied for or issued. No further offer is required on any subsequent renewal or replacement policy.

Rule 55.A.2

A. Rates The rates set forth on the rate sheets are for $20,000/40,000 uninsured motorist coverage.

Rule 55.A.3

B. Limits Increased limits for uninsured motorist coverage shall be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for uninsured motorist coverage.

Rule 55.A.4

Increased limits are subject to the maximum bodily injury liability limits of the policy. Deleted C. Modification

The premium shall not be subject to modification under the provisions of any rating plan or other Manual rule.

Rule 55.C

Rule 14A. UNDERINSURED MOTORISTS INSURANCE

Rule 55.B

Underinsured motorists coverage shall be provided on a stacked basis, at limits equal to the bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle registered or principally garaged in Hawaii. EXCEPTIONS: a. The named insured may reject in writing

(1) underinsured motorists coverage in its entirety; or (2) stacked underinsured motorists coverage and select nonstacked coverage; or (3) limits equal to the bodily injury liability limits and select lower limits, but not less

than the financial responsibility limits. b. The written agreement to reject this coverage or select lower limits shall only be

required when the policy is first applied for or issued. The written agreement need not be required on any subsequent renewal or replacement policy.

Rule 55.B.1

Underinsured Motorists Coverage Options Rule 55.B.2

The option to reject stacked underinsured motorists coverage shall be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing. If the named insured does not reject the stacked underinsured motorists coverage in writing, stacked coverage must apply to all vehicles insured under the policy. If the named insured rejects the stacked underinsured motorist coverage option in writing, nonstacked coverage must apply to all vehicles insured under the policy. The insurer shall notify the named insured of this option only when the policy is first applied for or issued. No further offer is required on any subsequent renewal or replacement policy. A. Rates

The rates set forth on the rate sheets are for $20,000/$40,000 underinsured motorist coverage.

Rule 55.B.3

B. Limits Increased limits for underinsured motorists coverage shall be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorist coverage.

Rule 55.B.4

Increased limits are subject to the maximum liability limits of the policy. Deleted C. Modification

The premium shall not be subject to modification under the provisions of any rating plan or other Manual rule.

Rule 55.C



May 16, 2012 Page 9 of 28


Provision Rule 15. DEDUCTIBLE INSURANCE The option to purchase a deductible under personal injury protection and physical damage coverage described below must be offered to the named insured. Factors applicable to basic rates:

Rule 57

A. Personal Injury Protection Deductible Factor $ 100 .95 300 .90 500 .85 1,000 .80

Rule 57.A

B. Physical Damage Deductibles: apply the following factors applicable to the Manual rates:

Rule 57.B

1. Comprehensive Deductible Factors All Other Private Passenger $ 0 1.250 1.300 of $50 Deductible 50 1.150 1.160 of $100 Deductible 100 1.000 1.000 of $100 Deductible 50 .900 .900 of $100 Deductible 500 .775 .775 of $100 Deductible 1,000 .750 .750 of $500 Deductible 1,500 .620 .620 of $500 Deductible 2,000 .540 .540 of $500 Deductible

Rule 57.B.1

2. Collision Deductible Factors

All Other Private Passenger $ 50 1.200 1.250 of $100 Deductible 100 1.120 1.130 of $250 Deductible 250 1.100 1.000 of $250 Deductible 500 .930 .930 of $250 Deductible 1,000 .780 .780 of $250 Deductible 1,500 .850 .820 of $1,000 Deductible 2,000 .690 .690 of $1,000 Deductible

Rule 57.B.2

These factors are not applicable when deductible rates are displayed on rate sheets. Deleted

Rule 16. RESERVED FOR FUTURE USE

Rule 17. COMBINED ADDITIONAL COVERAGE WITH OR WITHOUT MALICIOUS MISCHIEF AND VANDALISM

These coverages may be written only in connection with fire or fire and theft coverage and for a like amount of insurance. The rates are subject under all circumstances to a retained minimum premium of not less than 25% of the annual premium charged for each car insured. Rates—See rate sheets.

Deleted

Rules 18–20. RESERVED FOR FUTURE USE Rule 21. EMERGENCY OPERATION

COLLISION ONLY A. Authorized emergency vehicles as defined below are subject to twice the collision

premiums otherwise applicable. Usually such authorized emergency vehicles are equipped with red lights facing forward, either flashing or rotating, and with a siren, exhaust whistle, or bell.

Deleted

B. Definition—Vehicles of the following types which are designated or authorized by the public authorities as emergency vehicles.

Deleted

1. Police vehicles Rule 137 2. Ambulances Rule 133 3. Municipal Department vehicles 4. Public Service Corp. vehicles Fire department automobiles (but excluding fire department ambulances). Fire department apparatus and salvage corps automobiles are not subject to this Rule.

Deleted




Page 10 of 28 May 16, 2012


Provision Rule 29. PRIVATE PASSENGER AUTOMOBILE

CLASSIFICATION

Rule 81

A. Definition A private passenger automobile is a four wheel vehicle of the private passenger, station wagon, or jeep type.

Rule 81.A

B. This section applies to all private passenger automobiles which are owned by corporations, partnerships, unincorporated associations, government agencies, or rated as part of a fleet.

Rule 81.A

C. Premium Determination Rule 82 1. Refer to the territories sheet of this Manual to determine the number of the

territory in which the automobile will be principally garaged. Rule 82.A

2. Refer to the Private Passenger Types rate sheets. LIABILITY AND PIP

a. Nonfleet—90% of Private Passenger Types rate b. Fleet—Private Passenger Types rate

PHYSICAL DAMAGE Fleet and Nonfleet—Private Passenger Types rate.

Rule 82.B,C

3. Refer to the Additional Charges Rule (Rule 6) and apply the charges, if applicable, to the premiums determined in 2 above.

Rule 82.D

4. Refer to the Certified Risks—Financial Responsibility Laws Rule (Rule 7) and apply the charge, if applicable, to the liability and PIP premiums determined in 3 above.

Rule 82.D


Provision COMMERCIAL RULES SECTION TRUCKS, TRACTORS, AND

TRAILERS CHAPTER This section does not apply to: 1. Vehicles used as a public or livery conveyance for passengers. 2. Vehicles leased or rented to others by leasing or rental concerns. 3. Vehicles of the pickup, delivery sedan, or panel delivery types owned by an individual,

husband and wife who are residents of the same household and not customarily used in the occupation, profession, or other business purposes.

4. Vehicles exempt from, Chapter 431:10C, Hawaii Revised Statutes.

Rule 71

Rule 30. DEFINITION A commercial automobile is a motor vehicle of the truck type, including vehicles of the pickup, delivery sedan, or panel delivery types and including truck-tractors, trailers, and semitrailers, used for the transportation or delivery of goods or merchandise or for other business purposes and not specifically treated in the Public (Rule 45) or Miscellaneous Sections (Rule 86) of this Manual.

Rule 71



The bodily injury, personal injury protection, property damage, and physical damage premiums for commercial automobiles shall be determined as follows:

Rule 72

A. For trucks, truck-tractors, trailers, and semitrailers determine the applicable primary rating factor and statistical code in accordance with the Commercial Automobile Classifications Rule (Rule 33).

Rule 72.C.2

B. If applicable, determine the appropriate secondary rating factor from the secondary rating factor table in the Commercial Automobile Classifications Rule (Rule 33) to be added to or subtracted from the primary rating factor.

Rule 72.C.3

C. Refer to the state territory definitions to determine the territory in which the automobile will be principally garaged.

Rule 72.B

D. Refer to the commercial automobile base premium page in the rate sheets for the fleet or nonfleet base premiums. 1. Commercial Automobiles—Fleet

The base premiums shown on the rate sheets for commercial automobiles—fleets shall apply to the commercial automobiles of any risk consisting of five or more automobiles of any type which are under one ownership. Vehicles owned by allied or subsidiary interests shall not be included unless the insured holds a majority financial interest therein.

Rule 72.D



May 16, 2012 Page 11 of 28


Provision 1. Commercial Automobiles—Nonfleet 2. The base premiums shown on the rate sheets for commercial automobiles—

nonfleet shall apply to all other commercial automobiles not qualifying for fleet rates as above and all miscellaneous classes which refer to commercial automo-bile classes for rating.

Rule 72.D

3. The classification as fleet or nonfleet shall not be changed in midterm to recognize a change in the number of owned automobiles.

Rule 73.A.4

E. Multiply the selected liability and personal injury protection limits base premium by the rating factor determined in accordance with A and B.

Rule 72.D.2

F. For physical damage determine the original cost new and the appropriate age group of the vehicle.

Rule 72.F.1

G. From the appropriate physical damage base premium table determine the base premium according to the Original Cost New and age group. Stated amount basis is not available unless otherwise indicated.

Rule 72.F.1

H. Multiply the selected physical damage base premium by the rating factor determined in accordance with A and B.

Rule 72.F.4

I. For trailers and semitrailers multiply the liability and personal injury protection base premium by the primary rating factor, and for physical damage multiply the premium determined from the trailer base premium table by the primary rating factor.

Rule 72.D.2, E.2.b , and F.4

J. For liability and personal injury protection limits other than those shown on the base premium page, refer to the appropriate increased limits table and apply factor to Manual rates to determine total premium.

Rule 51.C.1

K. The following procedures are applicable for developing stated amount rates: 1. Full Coverage Comprehensive or Fire, Theft, and CAC (Including MM&V)

a. Light Trucks Determine the Actual Cash Value premium for $4,501–$6,000, age group 1, from the rate sheet for the territory. Divide the Actual Cash Value premium by 100. Multiply the result by 2.

b. Medium Trucks Determine the Actual Cash Value premium for $4,501–$6,000, age group 1, from the rate sheet for the territory. Divide the Actual Cash Value premium by 100. Multiply the result by 2.

c. Heavy Trucks and Truck Type Tractors Determine the Actual Cash Value premium for $10,001–$15,000, age group 1, from the rate sheet for the territory. Divide the Actual Cash Value premium by 100. Multiply the result by .8.

d. Extra Heavy Trucks and Truck-Tractors Determine the Actual Cash Value premium for $10,001–$15,000, age group 1 from the rate sheet for the territory. Divide the Actual Cash Value premium by 100. Multiply the result by .8.

e. Trailers and Semitrailers Determine the Actual Cash Value premium for $2,001–$3,000, age group 1, from the rate sheet for the territory. Divide the Actual Cash Value premium by 100. Multiply the result by 4.

2. All Other Coverages a. Determine rate in accordance with 1 above, and b. Apply the percentages shown at the bottom of the rate sheet for the coverage

desired. 3. Premiums developed from stated amount rates in accordance with the formula

above are base premiums and must be modified by the appropriate primary rating factor and, when applicable, secondary rating factor.

Deleted

L. Refer to the Additional Charges Rule (Rule 6) and apply the charges, if applicable. Rule 51.C.2, E.3, and F.3 M. Refer to the Certified Risks—Financial Responsibility Laws (Rule 7) and apply the

charge, if applicable. Rule 51.C.3 and E.4

Rule 33. COMMERCIAL AUTOMOBILE CLASSIFICATIONS Rule 73

Commercial automobiles shall be classified for liability, personal injury protection, and physical damage coverages as follows:

Rule 73



Page 12 of 28 May 16, 2012


Provision The schedule primary classification—rating factors for bodily injury liability and property damage liability shall also be applicable to personal injury protection coverage. A. Primary Classification Rule 73.B

Gross vehicle weight (GVW) and gross combination weight (GCW) are defined as follows:

Rule 73.B.1

GVW—means the maximum loaded weight for which a single vehicle is designed, as specified by the manufacturer.

Rule 73.B.1.a

GCW—means the maximum loaded weight for a combination truck-tractor and semitrailer or trailers for which the truck-tractor is designed, as specified by the manufacturer.

Rule 73.B.1.b

1. Size Class Rule 73.B.2 a. Light Trucks—Trucks having a gross vehicle weight (GVW) of 10,000 pounds

or less. Rule 73.B.2.a

b. Medium Trucks—Trucks having a gross vehicle weight (GVW) of 10,001–20,000 pounds.

Rule 73.B.2.b

Note: Trucks of the crawler type are all included in this class. Rule 73.B.2.b(2) c. Heavy Truck—Trucks having a gross vehicle weight (GVW) of 20,001–

45,000 pounds. Rule 73.B.2.c

d. Extra Heavy Trucks—Trucks having a gross vehicle weight (GVW) over 45,000 pounds.

Rule 73.B.2.d

e. Heavy Truck-Tractors—Truck-Tractors having a gross combination weight (GCW) of 45,000 pounds or less. A truck-tractor is a motorized vehicle with or without body for carrying commodities or materials, equipped with fifth wheel coupling device for semitrailers.

Rule 73.B.2.e(1)

f. Extra Heavy Truck-Tractors—Truck-Tractors having a gross combination weight (GCW) over 45,000 pounds.

Rule 73.B.2.e(2)

g. Semitrailers—A semitrailer is a trailer equipped with fifth wheel coupling device for use with a truck-tractor, with load capacity over 2,000 pounds, in-cluding bogies used to convert containers into semitrailers.

Rule 73.B.2.f

h. Trailers—Any trailer with load capacity over 2,000 pounds, other than a semitrailer.

Rule 73.B.2.g

i. Service or Utility Trailer—Any trailer or semitrailer with load capacity of 2,000 pounds or less.

Rule 73.B.2.h

2. Business Use Class Rule 73.B.3

Note: If a commercial automobile has more than one use, the highest rated classification shall be used.

Rule 73.B.3

a. Service Use—Vehicles used for the transportation of the insured’s personnel, tools, equipment, and incidental supplies to or from a job location.

Rule 73.B.3.a

Note: This classification is confined to vehicles principally parked at a job location for the majority of the working day or for the transportation of supervisory personnel between job locations.

Rule 73.B.3.a

b. Retail Use—Vehicles used to pick up property from, or deliver property to individual households.

Rule 73.B.3.b

c. Commercial Use—Vehicles used for the transportation of property other than those vehicles defined as service or retail.

Rule 73.B.3.c

PRIMARY CLASSIFICATIONS—RATING FACTORS AND STATISTICAL CODES PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS

B. Secondary Classifications—Special Industry Class Rule 73.C Note: Except for vehicles owned by a farmer, these classifications are not

applicable to light service trucks, trailers, or semitrailers. Rule 73.C, Note

Code* Factor 1. Manufacturers—Vehicles in excess of 10,000 pounds gross vehicle weight used to

transport raw materials and finished and/or unfinished goods manufactured, processed, or constructed by the insured +0.40

Rule 73.C.1

2. Truckmen—Vehicles in excess of 10,000 pounds gross vehicle weight used to haul or transport goods, material, or commodities for another for hire, other than moving vans. Local +1.45

Rule 73.C.2

3. Food Delivery—Vehicles in excess of 10,000 pounds Gross Vehicle Weight used in wholesale delivery of fish, meat, or grocery products including fruits or vegetables,

Rule 73.C.3



May 16, 2012 Page 13 of 28


Provision frozen goods, and canned goods +0.20

4. Specialized Delivery—Vehicles used in delivery of mail, parcel post, magazines, newspapers, film, and other deliveries subject to time and similar constraints, and armored cars +0.45

Rule 73.C.4

5. Waste Disposal—Vehicles transporting salvage and waste material for disposal or resale such as a. Ash and garbage removal b. Automobile dismantlers c. Building wrecking operators d. Junk dealers +0.75

Rule 73.C.5

6. Farmers—Vehicles owned by a farmer, used in connection with the operation of his own farm and occasionally used to haul commodities for other farmers –0.50

Rule 73.C.6

Note: Coverage includes farm wagons and farm implements used in connection with such vehicles, but not to a home, office, store, display, or passenger trailer. Coverage shall not extend to the operation of farm machinery.

Deleted

7. Dump trucks and trailers used in dumping operations –0.05 Rule 73.C.7 9. All other—not secondarily rated. Rule 73.C.9 * To be inserted in fourth digit of classification code. Deleted C. Commercial automobiles are subject to the following provisions:

1. If the business of the insured involves the transportation of materials or commodities for another, the risk shall be subject to the provisions of the Truckmen Rule.

Rule 73.D.1

2. A policy covering a commercial automobile used for the bulk transportation of liquid products shall be endorsed to exclude accidents resulting from the errone-ous delivery of one liquid product for another, or the delivery of any liquid product into the wrong receptacle if the accident occurs after such operations have been completed at the place of occurrence thereof.

Rule 73.D.2

3. A policy written to cover a commercial automobile, trailer, or semitrailer on which an amusement device has been mounted shall also provide coverage for the operation of the amusement device at an additional flat premium charge. Refer to HJUP Bureau.

Rule 73.D.3

4. Commercial automobiles used for the transportation of explosives shall not be endorsed to exclude coverage for the explosion hazard. Such vehicles shall be rated at 300% of the base rates for BI, PIP, and PD.

Rule 73.D.4

5. A policy written to cover an automobile equipped as a rolling store shall be endorsed to exclude product liability.

Rule 73.D.5

6. Coverage for trailers or semitrailers used as showrooms or salesrooms may be afforded at a rate of 2 times the trailer or semitrailer factor subject to a minimum premium per trailer or semitrailer of $18 bodily injury, $20,000/40,000 limit, and $3 property damage, $10,000 limit. The policy shall be endorsed to exclude product liability.

Rule 73.D.6

For personal injury protection insurance the rate shall be the full PIP premiums for private passenger types for the territory in which the risk is located.

Rule 72.D.6

7. Trucks, trailers, and semitrailers used in dumping operations, including ready-mix and mix-in-transit cement trucks shall be rated at the collision rates shown on the commercial rate sheets for vehicles used in dumping operations. Hopper type transporters of dry commodities which unload through the bottom by gravity are to be rated according to the classification otherwise applicable.

Deleted

Rule 34. TRUCKMEN A. Definition of Truckman. A truckman is a person, firm, or corporation that undertakes to

haul or transport goods, materials, or commodities for another. If the risk is engaged in hauling goods for another, the fact that it may call itself or advertise as a contractor, building contractor, building material dealer, sand and gravel hauler, or some other such name does not remove the risk from the truckmen classification.

B. The Commercial Automobile Classifications Rule (Rule 33) shall apply to truckmen.

Rule 74

Rules 35–44. RESERVED FOR FUTURE USE PUBLIC SECTION PUBLIC TRANSPORTATION

CHAPTER



Page 14 of 28 May 16, 2012


Provision Rule 45. DEFINITION A public automobile is an automobile of any type used as a public or livery conveyance for passengers.

Rule 91


The bodily injury, personal injury protection, property damage, and physical damage premiums for public automobiles shall be determined as follows:

A. Determine the applicable rate classification from the Use Classifications Rule (Rule 47).

Rule 92.C

B. For physical damage, determine the Original Cost New and the appropriate age group of the vehicle.

Rule 92.E.1

C. Refer to the state territory definitions for the number of the territory in which the automobile will be customarily operated for passenger carrying purposes.

Rule 92.B

D. Refer to rate sheets for the rates and premiums. Rule 92.D.1, E.1 E. For stated amount comprehensive, multiply the limit of liability by the stated amount

rates. Deleted

F. For liability and personal injury protection limits other than those shown on the base premium pages, refer to the increased limits tables and apply the appropriate factor.

Rule 51.C.1

G. Refer to the Additional Charges Rule (Rule 6) and apply the charges, if applicable. Rule 51.C.2, E.3, and F.3 H. Refer to the Certified Risk—Financial Responsibility Laws (Rule 7) and apply the

charge, if applicable. Rule 51.C.3 and E.4

Rule 47. USE CLASSIFICATIONS Rule 93

Public automobile use classifications are subject to the following provisions: A. Subject to any specified exceptions, if the use of the automobile involves more than

one classification under this section of the Manual, the highest rated classification shall be used.

Rule 93.A

B. If the seating capacity has not been established by public authority, it shall be determined as follows: 1. If a bus is rated at commercial rates, the size class shall be determined from the

seating capacity as follows: Size Class Seating Capacity Medium 0–20 Heavy Over 20

2. If a commercial type automobile is rated as a public automobile, the seating capacity shall be determined from the size class as follows: Size Class Seating Capacity Medium 0–20 Heavy 21–30

3. In all other cases, the seating capacity shall be determined on the basis of measurement of the seating spaces, excluding the seating space for the driver, in accordance with the following table: Length of Seating Space Seating Capacity of Such Space 22 inches or less 1 More than 22 inches but not more than 38 inches 2 Each additional 15 inches or fraction thereof 1

Rule 93.E

C. The rate for a combination unit consisting of a motor powered vehicle and one or more trailers or semitrailers shall be based on the seating capacity of such combination unit and shall be increased 10%.

Deleted

D. A policy covering a public automobile may be extended to cover special trips for touring, picnics, outings, games, and similar uses, if not contemplated by the classification under which the automobile is rated, for an additional premium charge of pro rata of the general passenger service bus rate for each day that coverage applies, subject to a minimum premium of $6 bodily injury, $20,000/40,000 limit, and $1 property damage, $10,000 limit, for each separate period of coverage of one or more consecutive days.

Deleted

E. A policy covering a public automobile which is subject to any motor carrier law shall not afford coverage for any other public motor carrier required to purchase insurance under a motor carrier law because of transporting passengers or property for the named insured or for others.

Deleted

F. “Between terminal points”, wherever used in this section, shall mean one half of the total distance traveled by the bus from the time it leaves the headquarters terminal

Deleted



May 16, 2012 Page 15 of 28


Provision until it returns to the headquarters terminal.

G. Public automobiles shall be classified and rated according to their use as follows: 1. Airport Bus

A public automobile of any type used for the transportation of passengers be-tween an airport and hotels, docks, and other passenger stations.

a. Seating capacity of 60 or less Liability and PIP—(Class Code 5919) 50% of bus rate shown on the rate sheet, subject to a minimum of the private livery rate. Physical Damage—(Class Code 562) (1) Seating capacity of eight or less excluding the driver

See rates for Private Passenger Types on rate sheets. (2) Seating capacity over eight excluding the driver

Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premi-ums.

b. Seating capacity over 60 Liability and PIP—(Class Code 5919) 150% for bodily injury and personal injury protection, and 110% for property damage of the rate applicable to an airport bus with a seating capacity of 31–60 passengers. Physical Damage—(Class Code 562) Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

Rule 93.C.2.g

2. Apartment Hotel, Apartment House, Camp, Country Club, Department Store, Golf Club, Hotel, and Real Estate Development Bus An automobile of any type used for transportation of passengers between one such named establishment and airports, docks, and other passenger stations. Also includes: Bus Used for Plantation Athletic or Recreational Association—This Rule is ex-tended to include automobiles of any type owned, operated, and used by athletic or recreational associations, which are closely identified with plantation activities. Such automobiles shall be used primarily for the transportation of players, mem-bers of the association, and their families and at the same time for the occasional transportation of other persons, for meetings, picnics, outings, games, and similar functions, where no fare is charged. Bus Used on Military Reservation Only—Buses operated exclusively within the limits of a military reservation (excluding those used exclusively as school buses). Bus or Commercial Automobile Operated by Ships Service Stores, Post Ex-changes, etc., to transport personnel—Automobiles of the bus or commercial type operated by ships service stores, post exchanges, educational and recreational funds, officers clubs and similar organizations of the Armed Forces, used princi-pally to transport Army and Navy personnel and others without charge. Nothing in this ruling shall conflict with the application of Rule 95. Transportation of Employ-ees. a. Seating capacity of eight or less excluding the driver

Liability and PIP—(Class Code 5000) 60% of private livery rate, subject to a minimum of the rates shown on the rate sheets for Private Passenger Types. Physical Damage—(Class Code 562) See rates for Private Passenger Types on rate sheets.

b. Seating capacity over eight excluding the driver Liability and PIP—(Class Code 5000) 80% of private livery rate, subject to a minimum of the rates shown on the rate sheets for Private Passenger Types. Physical Damage—(Class Code 562) Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

Rule 93.C.2.n

3. Cemetery Bus Buses used solely for transporting passengers between the cemetery and other public carrier stations and about the premises.

Rule 93.C.2.n



Page 16 of 28 May 16, 2012


Provision a. Seating capacity of eight or less excluding the driver

Liability and PIP—(Class Code 5000) 60% of private livery rate, subject to a minimum of the rates shown on the rate sheets for Private Passenger Types. Physical Damage—(Class Code 562) See rates for Private Passenger Types on rate sheets.

b. Seating capacity over eight excluding the driver Liability and PIP—(Class Code 5000) 80% of private livery rate, subject to a minimum of the rates shown on the rate sheets for Private Passenger Types. Physical Damage—(Class Code 562) Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

4. Charter Bus A public automobile of any type with a seating capacity in excess of eight passen-gers excluding the driver, used for special trips for touring, picnics, outings, games, and similar uses. Liability and PIP—(Class Code 5000) Rate as general passenger service bus. Physical Damage—(Class Code 562) Rate as general passenger service bus.

Rule 93.C.2.h

5. Church Bus A bus used by a church to transport adults or children to and from services and in activities incidental to church functions. Liability and PIP—(Class Code—See Automobile Statistical Plan) Rate as a school bus. Physical Damage—(Class Code 562) a. Seating capacity of eight or less excluding the driver

See rates for Private Passenger Types on rate sheets. b. Seating capacity over eight excluding the driver

Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

Rule 93.C.2.d

6. Civic, Charitable, and Welfare Organization Bus An automobile of any type used by American Legion, Boy Scout, Red Cross, or other civic, charitable, or welfare organization in connection with the activities of such organization for special trips for touring, picnics, outings, games, and similar uses, and not used to pick up, transport, and discharge passengers along a route. Liability and PIP—(Class Code 5000) Rate as a school bus. Physical Damage—(Class Code 562) a. Seating capacity of eight or less excluding the driver

See rates for Private Passenger Types on rate sheets. b. Seating capacity over eight excluding the driver

Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

Rule 93.C.2.m

7. Club Livery Automobile A public automobile of any type with a seating not in excess of eight passengers excluding the driver, the use of which is limited by written contract with a desig-nated club to provide a regular transportation service to members and guests, and incidental private livery use. Liability and PIP—(Class Code 5000) 50% of the public livery rate, subject to a minimum of 110% of the private livery rate. Physical Damage—(Class Code 562) See rates for Private Passenger Types on rate sheets.

Rule 93.C.2.n

8. General Passenger Service Bus A public automobile of any type used to pick up, transport, and discharge passen-gers along a route and for any other passenger carrying use. Also includes: Bus Used for Emergency Agricultural Enterprise—A private bus used to transport children to and from Emergency Agricultural Enterprises shall be rated as a school bus if not used for other passenger carrying purposes. Sampan Buses

Rule 93.C.2.n



May 16, 2012 Page 17 of 28


Provision A reduction of 15% in Manual rates is applicable to Sampan Buses used as general passenger service buses to pick up, transport, and discharge passengers along a route or for any other passenger-carrying use. This reduction is in addition to any other discounts allowed by Manual rules. a. Seating capacity of 60 or less

Liability and PIP—(Class Code 5940) Rate shown on rate sheet. Physical Damage—(Class Code—See Automobile Statistical Plan) Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

b. Seating capacity in excess of 60 Liability and PIP—(Class Code 5940) 150% for bodily injury and personal injury protection and 110% for property damage of the rates applicable to a bus with a seating capacity of 31–60 passengers. Physical Damage—(Class Code—See Automobile Statistical Plan) Fire Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

9. Limited Passenger Service Bus An automobile of any type used in the business of transporting to or from work employees of one or more employers but not operated at any time as a public livery automobile, taxicab, or general passenger service bus. a. Private passenger types

Liability and PIP—(Class Code 5000) Private livery rate. Physical Damage—(Class Code 562) See rates for Private Passenger Types on rate sheets.

b. Commercial automobile or bus Liability and PIP—(Class Code 5000) 50% of the bus rate shown on the rate sheets subject to a minimum of the commercial business use class rate. Physical Damage—(Class Code 562) Regardless of radius of operation and number of trips per day: Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

Rule 93.C.2.l

10. Private Livery Automobile An unmarked automobile with a seating capacity not in excess of eight passen-gers excluding the driver, operated for hire with a chauffeur, and used on a prearranged basis in connection with social and business functions, weddings, and funerals. This classification does not apply to any automobile which is used in any of the following ways: a. Stationed at or for hire from a railroad, bus, or gasoline station, club, stand,

hotel, parking lot, street, highway, or other public place. b. Used to transport persons for a hotel, travel agency, transportation company,

or similar organization. c. Used under agreement with a club to provide a regular transportation service

for its members and guests. d. Operated at fares determined by zone or taximeter. e. Used to pick up, transport, and discharge passengers along a route or on a

schedule. f. Used to transport persons for specialized trips or tours such as tennis,

aquatics, hiking, golfing, and similar activities. Liability and PIP—(Class Code—See Automobile Statistical Plan) Refer to rate sheets. Physical Damage—(Class Code 512) See rates for Private Passenger Types on rate sheets.

Rule 93.C.2.b

11. Public Livery Automobile or Taxicab Rule 93.C.2.a A public automobile of any type with a seating capacity not in excess of eight passengers excluding the driver, operated for hire with the named insured or an employee of the named insured in attendance as chauffeur, but not used to pick up, transport, and discharge passengers along a route.

ADDITIONAL CHARGES Rule 53



Page 18 of 28 May 16, 2012


Provision For public livery automobile or taxicab risks, an additional charge shall be made on the basis of points accumulated during the 36 months immediately preceding the date of application for assignment, and in the case of renewal, during the 36 months immediately preceding the effective date of the renewal policy. Points shall be assigned for convictions of, and accidents involving, the applicant as an owner or operator, and for convictions of, and accidents involving, anyone who usually operates the motor vehicle.

Rule 53.C, D.2, and F.1.a

a. Eight points shall be assigned for each of the following convictions, including points assignable for the accident: (1) driving a motor vehicle while under the influence of intoxicating liquor or

narcotic drugs where injury to person or damage to property results therefrom,

(2) revocation of privilege to drive motor vehicle upon refusal to submit to test where injury to person or damage to property results therefrom,

(3) failing to stop and report when involved in an accident, (4) homicide or assault arising out of the operation of a motor vehicle.

Rule 53.F.2.a.(1)-(4)

b. Six points shall be assigned for each of the following convictions, including points assignable for the accident: (1) driving a motor vehicle at an excessive rate of speed where injury to

person or damage to property results therefrom, (2) driving a motor vehicle in a reckless manner where injury to person or

damage to property results therefrom.

Rule 53.F.2.a.(5),(6)

c. Six points shall be assigned for each of the following convictions: (1) driving a motor vehicle while under the influence of intoxicating liquor or

narcotic drugs where injury to person or damage to property does not result therefrom,

(2) revocation of privilege to drive motor vehicle upon refusal to submit to test where injury to person or damage to property does not result there-from.

Rule 53.F.2.a.(7),(8)

d. Five points shall be assigned for each of the following convictions: (1) operating a motor vehicle during period of revocation or suspension of

registration or license, not including points assignable for any accident that may result,

(2) operating a motor vehicle without state or owner’s authority, not includ-ing points assignable for any accident that may result,

(3) loaning operator’s license to an unlicensed operator, (4) the making of false statements in the application for license or registra-

tion, (5) impersonating an applicant for license or registration, or procuring a li-

cense or registration through impersonation whether for himself or an-other.

Rule 53.F.2.a.(9)-(13)

e. Four points shall be assigned for each of the following convictions: (1) driving a motor vehicle in a reckless manner where injury to person or

damage to property does not result therefrom, (2) permitting an unlicensed person to drive.

Rule 53.F.2.a.(14)-(15)

f. Three points shall be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for driving a motor vehicle at an excessive rate of speed where injury to person or damage to property does not result therefrom.

Rule 53.F.2.a.(16)

g. Three points shall be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for operating a motor vehicle without motor vehicle insurance.

Rule 53.F.2.a.(17)

h. One point shall be assigned for one conviction and two points shall be assigned for each additional conviction, in the case of convictions for a mov-ing traffic violation other than those set forth above, unless the conviction re-sulted from an accident for which points are assignable, in which case only the points for the accident shall be assigned.

Rule 53.F.2.a.(18)

EXCEPTIONS: Convictions for the following shall not be regarded as moving traffic violations:

(1) any motor vehicle equipment requirement of the motor vehicle and traffic laws, except brakes;

(2) failure to display proper number plates provided such plates are in exist-

Rule 53.F.2.b Exceptions



May 16, 2012 Page 19 of 28


Provision ence;

(3) failure to have in possession operator’s or chauffeur’s license provided there is one in existence.

i. Two points shall be assigned for each automobile accident involving the applicant, or anyone who usually operates the motor vehicle, while operating any motor vehicle resulting in: (1) bodily injury or death, or (2) damage to any property including his own.

Rule 53.F.1.a

EXCEPTIONS: Points shall not be assigned under this subsection against the applicant for involvement in an accident:

Rule 53.F.1. Exceptions

(1) which occurred while the motor vehicle owned or operated by the applicant or other person who usually drives the applicant’s motor vehicle was lawfully parked; nor

Rule 53.F.1. Exception 2

(2) for involvement in an accident in which the motor vehicle was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours; nor


(3) for involvement in an accident as a result of which the applicant or other person who usually drives the applicant’s motor vehicle obtained a judgment against, or a settlement from or on behalf of, the owner or operator of another vehicle involved in such accident, if the judgement or settlement was ob-tained prior to the date of application or, in case of renewal, prior to the effec-tive date of the renewal policy, and provided no judgment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usually drives the applicant’s motor vehicle, as a result of such accident; nor


(4) for involvement in an accident in connection with which neither the applicant or other person who usually drives the applicant’s motor vehicle was convict-ed of a moving traffic violation, and the owner or operator of another vehicle involved was so convicted; nor


(5) accidents resulting in payment under personal injury protection or additional personal injury protection and applicant or anyone who usually operates the motor vehicle is not at fault; nor


(6) accidents involving damage by contact with animals or fowl; nor Rule 53.F.1. Exception 7 (7) accidents involving physical damage, limited to and caused by flying gravel,

missiles, or falling objects. Rule 53.F.1. Exception 8

The term “conviction” wherever used in this Manual shall be deemed to include a forfeiture of bail, penal summons, bench warrants outstanding for failure to appear, or a determination by a juvenile court authority, formally or informally, that an offense has been committed.

Rule 53.E. Note 2

j. Additional charges for points shall be made on the basis of the following: Point Value Additional Charges 1 penalty point ....................................................... 5% 2 penalty points ................................................... 10% 3 penalty points ................................................... 15% 4 penalty points ................................................... 50% 5 penalty points ................................................... 75% 6 penalty points ................................................. 100% 7 penalty points ................................................. 150%

Rule 53.G

Note: Points applicable to risks of two or more motor vehicles shall be ap-plied first to the highest rated motor vehicle, and any points in ex-cess of seven shall be applied to the next highest rated motor vehi-cle or motor vehicles in succession.

Rule 53.H.1

(1) Additional charges are applicable to fleets. Deleted (2) The “Note” ending this section (j), does not limit its application to four or

less vehicles, but applies to two or more vehicles without limitation. Deleted



Page 20 of 28 May 16, 2012


Provision Liability and PIP—(Class Code—See Automobile Statistical Plan) Refer to rate sheets. Physical Damage—(Class Code 511) Fire, Theft, and C.A.C.—See rates for Private Passenger Types stated amount ($100 Deductible) on rate sheets. C.A.C. with M.M.V.—Refer to rate sheets. Refer to Rule 15. Deductibles in this Manual for alternate deductible options and factors listed under comprehensive which are to be used for these coverages. Comprehensive—Not available. Collision—Two times the rates for Private Passenger Types shown on rate sheets.

Deleted

12. School Bus An automobile of any type used to carry school children and students, their parents or guardians, members of the faculty, school officials, and other employ-ees, board members nurses, doctors, dentists, and guests in connection with any school activity, and operations incidental thereto, including games and outings and similar school trips. Rates a. Private passenger automobiles with a seating capacity not exceeding eight

passengers excluding the driver. Liability and PIP—(Class Code—See Automobile Statistical Plan) Private passenger school bus rate shown on the rate sheets. Physical Damage—(Class Code 561) See rates for Private Passenger Types on rate sheets.

b. Other Automobiles Liability and PIP—(Class Code—See Automobile Statistical Plan) (1) Owned by political subdivisions or school districts.

70% of commercial school bus rate shown on rate sheets. (2) Owned by others.

Commercial school bus rate shown on the rate sheets. Physical Damage—(Class Code 561) Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—.50 factor applicable to the medium truck collision base premiums.

Rule 93.C.2.c

13. Sightseeing Bus A public automobile of any type used for sightseeing and not used to pick up, transport, and discharge passengers along a route. a. Seating capacity of 60 or less

Liability and PIP—(Class Code 5000) Rate as a general passenger service bus. Physical Damage—(Class Code 562) Seating capacity of eight or less excluding the driver. See rates for Private Passenger Types on rate sheets. Seating capacity over eight excluding the driver. Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

b. Seating capacity in excess of 60 Liability and PIP—(Class Code 5000) 150% for bodily injury and personal injury protection, and 110% for property damage of the rates applicable to a bus with a seating capacity of 31–60 passengers. Physical Damage—(Class Code 562) Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets. Collision—2.00 factor applicable to the heavy truck collision base premiums.

Rule 93.C.2.i

14. Spare or Substitute Bus Liability, PIP, and Collision Coverages Only A bus not in daily service and used only as a spare bus or as a temporary substi-tute for a general passenger service bus while such bus is withdrawn from normal use because of its breakdown, repair, servicing, loss, or destruction. This classifi-cation is applicable only if the company insures all general passenger service buses owned or operated by the named insured. Liability and PIP—(Class Code 5000) 25% of the general passenger service bus rate for the highest rated route traveled

Rule 93.C.2.n



May 16, 2012 Page 21 of 28


Provision for each such bus. Collision—(Class Code 562) 25% of the general passenger service bus rate for the highest rated route traveled for each such bus.

15. Star Mail Route Bus An automobile of any type operated under a Star Route Service contract for the transportation of mail and parcel post to and from post offices and including rural delivery service and used to transport passengers for a charge. a. Seating capacity of eight or less excluding the driver.

Liability and PIP—(Class Code 5000) 150% of the private livery rate. Physical Damage—(Class Code 562) Fire, Theft, and Comprehensive—See rates on rate sheets applicable to type of automobile. Collision—Two times rate applicable to type of automobile.

b. Seating capacity over eight excluding the driver. Liability and PIP—(Class Code 5000) Rate as general passenger service bus, subject to a minimum of 150% of the private livery rate. Physical Damage—(Class Code 562) Rate as general passenger service bus.

Rule 93.C.2.n



Provision NONOWNERS SECTION

Rule 79. NAMED NONOWNER POLICY A named nonowner policy shall be written to provide basic bodily injury liability and property damage liability coverages for any applicant. A DHS certificate shall not be acceptable in lieu of payment for this policy. Refer to Private Passenger Manual.

Rule 30

Rules 80–85. RESERVED FOR FUTURE USE MISCELLANEOUS SECTION SPECIAL TYPES AND

OPERATIONS CHAPTER This section applies to those motor vehicles that are subject to Chapter 431:10C, Hawaii Revised Statutes.

Deleted

Rule 86. SPECIAL OR MOBILE EQUIPMENT Rule 139

This section applies to those motor vehicles that come under the requirements of motor vehicle registration and are operated or used upon any public street, road, or highway. This section does not apply to vehicles exempt from Chapter 431:10C, Hawaii Revised Statutes.

Rule 139.A

A. Equipment Where Coverage for Operations Is Excluded Rule 139.B.1.a-e,g Operations coverage shall be excluded. Full coverage may be provided only under general liability insurance.

Class Code Phys. Dam. Liability Liab. Nonfleet Base Prem. Factor Phys. Dam. Misc. Group 971 7916 Air compressors, sand blasting or other building surface cleaning

machinery, vacuum cleaners (not street cleaners), welding appa-ratus 1.00 1

971 7917 Cranes, ditch or trench diggers, steam or gas shovels, geophysi-cal trucks, oil well servicing trucks, tree or other spraying equip-ment 1.25 1

Special equipment used in such operations must be permanently mounted upon the motor vehicle insured and so constructed that no other load can be carried upon such vehicle.

971 7030Well drilling machinery ..... A minimum premium of $10 bodily injury, $20,000/40,000 limit; $5 property damage, $10,000 limit; and $8 PIP, $10,000 limit is applicable. .60 1

Deleted

B. Equipment Where Full Liability Coverage Is Provided Rule 139.B.1.f Class Code Phys. Dam. Liability Liab. Nonfleet Base Prem. Factor Phys. Dam. Misc. Group



Page 22 of 28 May 16, 2012


Provision 971 7918 Bulldozers, asphalt spreaders, concrete mixers (other than trucks equipped with agitator for mixing concrete in transit), road graders, road oilers, road rollers, road scrapers, tar spreaders, snow plows, snow loaders, snow blowers, street cleaners, street sweepers, street flushers, street sprinklers 1.25 1 971 7030 Baggage or freight trucks specially-constructed trucks or tractors used to carry bag-gage or freight at a dock, bus station or terminal, or airport, operated between such places or on the ways contiguous thereto and while at the place of garaging or operated to or from such place of garaging or servicing — 1 BI $15, $20,000/40,000 limit. PD $5, $10,000 limit. PIP $12, $10,000 limit.

Rule 139.C.1

Trailers or semitrailers used as attachments to baggage or freight trucks or tractors: — 1 BI, PIP, and PD 25% of above rates. 972 7030 Harvesting Combines, Self-propelled The liability insurance afforded by the policy with respect to self-propelled harvesting combines shall also apply to a trailer or semitrailer when used in connection with such vehicles including farm wagons and farm implements, but not to a home, office, store, display or passenger trailer. Coverage shall not extend to the operation of farm machinery 1.60 2 972 7939 Farm Tractors or Power-driven Lawn Mowers BI $7, $20,000/40,000 limit. PD $3, $10,000 limit. PIP $6, $10,000 limit — 2 Liability coverage for the attachment of trailers and semitrailers including farm wagons, and for agricultural or farm implements shall be included, but such coverage shall not extend to the operation of farm machinery. Attach applicable endorsement for physical damage.

Rule 139.B.2

971 — Tractors (not of the truck or farm type) and Tractor equipment (not of the farm type) — 1 For liability coverages refer to Commercial Use Classifications Rule. — 7030 Industrial Trucks and Commercial Automobiles Used on Premises.

Rule 139.B.1.g

LIABILITY AND PIP COVERAGES ONLY Commercial automobiles including specially constructed truck or tractor units, usually low four wheel gas or electric trucks, used only on the named insured’s premises, on the ways contiguous thereto, and while at the place of garaging or servicing. BI $7, $20,000/40,000 limit. PD $3, $10,000 limit. PIP $6, $10,000 limit. The foregoing rates apply to commercial automobiles and industrial trucks owned by a political subdivision, provided such vehicles are used at specific premises or locations owned or maintained by the political subdivision. Trailers or semitrailers used as attachments to the foregoing commercial automobiles or industrial trucks: BI, PIP, and PD 25% of above rates.

Rule 139.C

PHYSICAL DAMAGE COVERAGE ONLY (See Comm. Codes)— For commercial automobiles and all trailers described above: Use Local Radius 971— Industrial Trucks only — 1

Rule 139.D

Rule 87. FIRE DEPARTMENTS Rule 135


B. Automobiles owned or used by agencies of a government (federal, state, or any political subdivision) or fire departments shall be rated as follows:

Rule 135.A

1. Private Passenger Types Liability and PIP—(Class Code 7948) See rates for Private Passenger Types on rate sheets. Physical Damage—(Class Code 911) 50% of rates for Private Passenger Types on rate sheets.

Rule 135.C.1 and D.1

2. All Other Types Rule 135.C.2, C.3, and D.2 a. If stationed at headquarters, precincts, or stations whether or not for emer- Deleted



May 16, 2012 Page 23 of 28


Provision gency use Liability and PIP—(Class Code 7948) 1.60 factor applicable to the Commercial Nonfleet Base Premiums. Physical Damage—(Class Code 912) Fire, Theft, and Comprehensive—See rate sheets. Collision—heavy truck base premiums.

b. If not stationed at headquarters, precincts, or stations Liability and PIP—(Class Code 7040)

Rate according to type of vehicle.

Rule 88 POLICE DEPARTMENTS Rule 137


Rule 137.A

B. Automobiles owned or used by agencies of a government (federal, state, or any political subdivision) or police department shall be rated as follows: 1. Private Passenger Types

Liability and PIP—(Class Code 7948) See rates for Private Passenger Types on rate sheets. Physical Damage—(Class Code 914) See rates for Private Passenger Types on rate sheets.

Rule 137.C.1 and D.1

2. All Other Types a. If stationed at headquarters, precincts, or stations, whether or not for emer-

gency use Liability and PIP—(Class Code 7948) 1.60 factor applicable to the commercial nonfleet base premiums. Physical Damage—(Class Code—See Commercial Automobile Codes) 1.50 factor applicable to the medium truck base premiums.

b. If not stationed at headquarters, precincts, or stations Liability and PIP—(Class Code 7040) Rate according to type of vehicle. Physical Damage—(Class Code—See Commercial Automobile Codes) 1.50 factor applicable to the medium truck base premiums.

Rule 137.C.2, C.3, D.2, and D.3

Rule 89. AMBULANCES AND INVALID CARS Rule 133


Rule 133.A

B. Ambulances 1. Used by an employer to carry only his own injured employees

Liability and PIP—(Class Code 7946) 2.00 factor applicable to the commercial nonfleet base premiums. Physical Damage—(Class Code 921) Fire, Theft, and Comprehensive—Medium Truck Base Premiums. Collision—1.50 factor applicable to the medium truck base premiums.

2. All Others Liability and PIP—(Class Code 7937) 3.00 factor applicable to the commercial nonfleet base premiums. Physical Damage—(Class Code 921) Fire, Theft, and Comprehensive—Medium Truck Base Premiums. Collision—1.50 factor applicable to the medium truck base premiums.

Rule 133.D and E

C. Invalid Cars 1. If Used for Emergency Purposes

Liability and PIP—(Class Code 7937) 3.00 factor applicable to the commercial nonfleet base premiums. Physical Damage—(Class Code 921) Fire, Theft, and Comprehensive—medium truck base premiums. Collision—(See Emergency Operation Rule) 1.50 factor applicable to the medium truck base premiums.

2. All Others Liability and PIP—(Class Code 7946) 2.00 factor applicable to the commercial nonfleet base premiums. Physical Damage—(Class Code 921) Fire, Theft, and Comprehensive—Medium Truck Base Premiums. Collision—1.50 factor applicable to the medium truck base premiums.

Deleted



Page 24 of 28 May 16, 2012


Provision Rule 90. FUNERAL DIRECTORS Rule 136

Automobiles owned by a funeral director shall be written at the following rates: Rule 136.A.1 A. Private Passenger Types

1. If used by a funeral director for carrying persons in funeral processions (to or from cemeteries or burial grounds) including other passenger carrying operations incidental to the named insured’s business. Liability and PIP—(Class Code 5903) Funeral car rate shown on rate sheets. Physical Damage—(Class Code 541) 70% of rates shown on rate sheets for Private Passenger Types.

2. If not used to carry persons other than clergymen in funeral processions. Liability and PIP—(Class Code 7040) Rates shown on rate sheets for Private Passenger Types. Physical Damage—(Class Code 541) 70% of rates shown on rate sheets for Private Passenger Types.

Rule 136.B.1, B.4, C.1, and C.4

B. Hearses or Service Cars Liability and PIP—(Class Code 7944) Hearse rate shown on rate sheets. Physical Damage—(Class Code 542) Fire, Theft, and Comprehensive—.50 factor applicable to the light truck base premiums. Collision—.40 factor applicable to the light truck base premiums.

Rule 136.B.2 and C.2

C. Combination Hearse and Ambulance Liability and PIP—(Class Code 7040) Bodily Injury and PIP—3.00 factor applicable to the commercial nonfleet base premiums. Property Damage—2.00 factor applicable to the commercial nonfleet base premiums. Physical Damage—(Class Code 921) Fire, Theft, and Comprehensive—.75 factor applicable to the light truck base premiums. Collision—light truck base premiums.


D. Flower Cars, Automobiles Designed for the Specific Purpose of Carrying Flowers in a Funeral Procession Liability and PIP—(Class Code 7944) Hearse rate shown on rate sheets. Physical Damage—(Class Code 543) Fire, Theft, and Comprehensive—.50 factor applicable to the light truck base premiums. Collision—.70 factor applicable to the light truck base premiums.


E. Commercial Automobiles Used for Other Purposes Liability and PIP—(Class Code 7040) Applicable commercial classification. Physical Damage—(See Commercial Automobile Codes) Applicable commercial classification.


Rules 91–93. RESERVED FOR FUTURE USE Rule 94. AUTOMOBILE SCHOOLS AND DRIVER TRAINING

PROGRAMS LIABILITY AND PIP COVERAGES ONLY

(Class Code 7040)

Rule 134

A. Private passenger automobiles used for driver training as part of the curriculum of elementary schools, secondary schools, or colleges shall be rated as follows:

Rule 134.A.1

1. Private passenger automobiles equipped with dual control shall be written at 75% of the rates shown on the rate sheets for Private Passenger Types. Such dual control must apply at least to clutch and brake or, as respects automo-biles equipped with automatic transmission, to ignition switch and brake or to accelerator and brake.

Rule 134.A.2.a, A.3, and A.4

2. All other such private passenger automobiles shall be written at the rates shown on the rate sheets for Private Passenger Types.

Rule 134.A.2.b, A.3, and A.4

B. Automobiles used in automobile schools giving driving instruction only shall be rated as follows: 1. Automobiles NOT used for driving instruction shall be written in accordance with

Rule 134.B.1



May 16, 2012 Page 25 of 28


Provision the applicable rules in this Manual.

2. Owned private passenger automobiles equipped with dual control and used for driving instruction with an instructor in attendance shall be written at the rates shown on the rate sheets for Private Passenger Types. Such dual control must apply at least to clutch and brake or, as respects automobiles equipped with automatic transmission, to ignition switch and brake or to accelerator and brake.

Rule 134.B.2.a, B.3.a, and B.4

3. All other owned private passenger automobiles used for driving instruction shall be written at 200% of the rates shown on the rate sheets for Private Passenger Types.

Rule 134.B.2.b, B.3.b, and B.4

4. For owned automobiles used for driving instruction, other than private passenger automobiles, the primary classification rating factor for the commercial size class of the vehicle shall be increased 200%. This factor shall be applied to the rates shown on the rate sheets.

Rule 134.B.5

PHYSICAL DAMAGE COVERAGE ONLY For Class Code refer to Automobile Statistical Plan. Note: The percentage factor applicable to the above Liability and pip coverages shall

also apply to the fire, theft, C.A.C., comprehensive and collision coverages. Fire, Theft, C.A.C. or Comprehensive—See rate sheet for applicable vehicle types. Collision—See rate sheet for applicable vehicle types.

Deleted

Rule 95. TRANSPORTATION OF EMPLOYEES LIABILITY, PIP, AND PHYSICAL DAMAGE COVERAGES

For Class Code refer to Automobile Statistical Plan. A. If the named insured is in the business of transporting employees of one or more

employers to or from work, automobiles so used shall be classified and rated as limited passenger service buses.

B. An automobile owned by the employer and used for the transportation of his employees and occasionally other persons shall be rated as follows: 1. Private Passenger Automobiles—rates shown on the rate sheets for Private

Passenger Types. 2. Commercial Automobiles—commercial classification applicable to the risk.

Rule 93.C.2.k,l,n

3. Bus Bodily Injury—2.00 factor applicable to the commercial nonfleet base premiums. Property Damage—1.60 factor applicable to the commercial nonfleet base premi-ums. PIP—Charge applicable commercial nonfleet base premiums. Physical Damage—Charge applicable commercial nonfleet base premiums.

C. Except as provided in A above, an automobile owned by other than the employer and used for the transportation to or from work of employees of one or more employers shall be rated as follows: 1. Private Passenger Automobiles—Rates shown on the rate sheets for Private

Passenger Types. 2. Commercial Automobile or Bus

a. Not More Than One Round Trip Per Day (1) No fare charged—Commercial classification rate applicable to the risk. (2) Fare Charged

Bodily Injury—125% of the commercial classification rate applicable to the risk. Property Damage—Commercial classification rate applicable to the risk. PIP—Commercial classification rate applicable to the risk. Physical Damage—Commercial classification rate applicable to the risk.

b. More Than One Round Trip Per Day—Classify and rate as limited passenger service bus.

D. Seating Capacity When a bus is rated at commercial rates, the size class shall be determined from the seating capacity as follows: Seating Capacity Size Class 0–20 Medium Over 20 Heavy

Rule 93.C.2.k,l,n




Page 26 of 28 May 16, 2012


Provision Rule 100. MOBILE HOMES Rule 31, 32, and 140

A. Trailers 1. Mobile home trailers equipped as living quarters (including cooking, dining,

plumbing, or refrigeration facilities), other than recreational or camper types designed for use with a private passenger automobile, but including such vehicles when rated as part of a fleet.

Rule 31.A

2. Mobile home trailers designed for use with a private passenger automobile if used with another type automobile.

Rule 31.C.1

3. Rates—Bodily injury, PIP, and property damage liability—.40 factor applicable to the commercial nonfleet base premiums. Physical Damage—See mobile homes rates on rate sheets. Note: All camper trailers shall be rated as Mobile Home Trailers.

Rule 31.C and 31.D.2

B. Motor Homes Self-propelled automobiles equipped as living quarters (including cooking, dining, plumbing, or refrigeration facilities). Bodily Injury, PIP, and Property Damage Liability. 1. Overall length not exceeding 22 feet (Class Code 7954)—1.25 factor applicable to

the commercial nonfleet base premiums. 2. Overall length exceeding 22 feet (Class Code 7955)—1.60 factor applicable to the

commercial nonfleet base premiums.

Rule 32.A and B, 140.A and B

Physical Damage—See mobile homes rates on rate sheets. Rule 32.D and 140.D C. Camper Bodies

1. Pickup trucks used solely in connection with and to transport a camper body or other similar living quarters. Bodily Injury, PIP, and Property Damage Liability—(Class Code 7954)—1.25 factor applicable to the commercial nonfleet base premiums. Physical Damage—Rate as a Motor Home.

Rule 31.B

2. Pickups used to transport a portable camper body or similar living quarters but also used for other purposes. Bodily Injury, PIP, and Property Damage Liability—Rate according to the other-wise regular use of the pickup trucks. Physical Damage—Rate (both pickup and camper body) according to the other-wise regular use of the pickup truck.

PHYSICAL DAMAGE COVERAGE ONLY

Deleted

D. Policy Term—Policies covering mobile homes may be issued for a term not exceeding 12 months.

Rule 6

E. Trailers shall be insured under policies as a separate item of insurance and with separate premiums indicated therefor. If deductible form of coverage is written, the deductible shall be made to apply separately to each unit.

Rule 31.D.1

F. Fire, theft, and comprehensive coverages may be written on stated amount basis only. Deleted G. The applicable endorsement must be attached to the policy. Rule 31.E and 32.E

Rule 101 GOLFMOBILES AND ANY OTHER SIMILAR MOTOR VEHICLE USED FOR COMMERCIAL PURPOSES Vehicles of this type are rated as commercial automobiles—nonfleet, if it is subject to Chapter 431:10C, Hawaii Revised Statutes.

Deleted

Rules 102–103. RESERVED FOR FUTURE USE Rule 104. ANTIQUE AUTOMOBILES Rule 33 and 141

An antique automobile is a motor vehicle of the private passenger type that is 25 or more years old and is maintained primarily for use in exhibitions, club activities, parades, and other functions of public interest, and occasionally used for other purposes.

Rule 33.A and 141.A

LIABILITY AND PIP COVERAGE ONLY (Class Code 9620)

Charge 25% of the rates shown on the rate sheets for Private Passenger Types, subject to a minimum of $12 bodily injury, $20,000/40,000 limit; $5 property damage, $10,000 limit; and $4 PIP, $10,000 limit.

Rule 33.B and 141.B

PHYSICAL DAMAGE COVERAGE ONLY (Class Code 962)

These vehicles are to be insured on stated amount basis only. $100 deductible applies to the coverages of fire, theft, comprehensive, and collision. Fire Rate—28 cents per $100 of insurance.

Rule 33.D and 141.D



May 16, 2012 Page 27 of 28


Provision Theft Rate—28 cents per $100 of insurance. Comprehensive Rate—$1.00 per $100 of insurance. Collision Rate—$1.15 per $100 of insurance. Attach applicable endorsement. Rule 33.E and 141.E

Rule 105. LEASING OR RENTAL CONCERNS Rule 138

LIABILITY AND PIP COVERAGES ONLY Rule 138.B General Rule 138.A A. Automobiles Leased or Rented to Others with Drivers

Commercial automobiles shall be classified and rated in accordance with the Truckmen Rule. All other automobiles shall be classified on the basis of use as set forth in the Public Automobile Classifications Rule and rated accordingly.

Rule 138.A.1

B. Automobiles Leased or Rented to Others Without Drivers—Specified Car For rating purposes, automobiles leased by the named insured which are to be rented to others shall be considered owned by the automobile leasing or rental concern and rated under the provisions of this Rule.

Rule 138.A.2

C. Commercial Automobiles Leased or Rented to Truckmen and Buses Leased or Rented to Bus Risks Submit proposed HJUP rate for approval to the Insurance Commissioner.

Rule 138.A.3

Premium Determination A risk engaged in leasing or renting automobiles, trailers, or motor homes to others without drivers shall be insured on the specified car basis in accordance with the appropriate endorsement. The premium is to be determined on the basis of the territory in which the automobile is principally garaged and in accordance with the following provisions:

Rule 138.B

A. Specified Car Basis—Automobile Leased for One Year or More Rule 138.B.1 1. Private passenger and commercial automobiles, commercial trailers, and motor

homes shall be rated at the classification rates applicable to the lessee. Rule 138.B.1.a

2. Private passenger and commercial automobiles and commercial trailers awaiting assignment or reassignment shall be rated as follows: a. Private Passenger—Rates shown on the rate sheets for Private Passenger

Types. (Class Code 5995) b. Commercial (Class Code 5996) Multiply the commercial nonfleet rates shown on the rate sheets by the following factors.

(1) Truck or Tractor 4.00 (2) Trailer, Semitrailer, Service Trailer .25

Rule 138.B.1.b

3. Trailers designed for use with private passenger automobiles. a. Mobile Home Trailer—.40 factor applicable to the commercial nonfleet base

rates shown on the rate sheets. b. All Others—$13 bodily injury, $20,000/40,000 limit; $5 property damage,

$10,000 limit; and $4 PIP, $10,000 limit.

Rule 138.B.1.c

B. Specified Car Basis—Automobile Rented by the Hour, Day, Week, or Month Rule 138.B.2 1. Rate each automobile as follows: Rule 138.B.2.a

a. Private Passenger—Multiply the Private Passenger Types rates by 2.50. (Class Code 5993)

Rule 138.B.2.a.(1),(2)

b. Commercial (Class Code 5994) Multiply the commercial nonfleet rates shown on the rate sheets by the fol-lowing factors. (1) Truck or Tractor 4.00 (2) Trailer, Semitrailer, Service Trailer .25

Rule 138.B.2.a.(3)

2. Motor Homes—Multiply the rates developed in the Mobile Home Rule by 2.00. Rule 138.B.2.a.(4) 3. Trailers designed for use with private passenger automobiles.

a. Mobile Home Trailers—.80 factor applicable to the commercial nonfleet base rates shown on the rate sheets.

b. All Others—$26 bodily injury, $20,000/40,000 limit; $9 property damage, $10,000 limit; $9 PIP, $10,000 limit.

Rule 138.B.2.b

C. Specified Car Basis—Automobiles Rented for less than One Year but Not by the Hour, Day, Week, or Month

Submit proposed HJUP rate for approval to the Insurance Commissioner. PHYSICAL DAMAGE COVERAGE ONLY

Deleted

D. Physical Damage



Page 28 of 28 May 16, 2012


Provision 1. Automobiles of the private passenger, mobile home, camping trailer type, or trailer

designed for use with private passenger automobiles, rented without driver in attendance, and not operated or controlled by the insured or by a person regularly employed by him as chauffeur (Class Code 531). Exception: Motor vehicles as defined above which are rented under a term contract of not less than one year, are not subject to these rules but are subject to Private Passenger Types or Mobile Homes rules and rates. Only the following coverages are available: Fire Rate Charge Manual rate plus 25 cents per $100 of insurance. Fire and Theft Rate—Excluding conversion, embezzlement, or secretion by rentee or lessee Charge Manual rate plus $1 per $100 of insurance. Attach Livery Permit Form “C”. Collision Private Passenger Automobiles Charge three times the rates shown on the rate sheets for Private Passenger Types. Mobile homes Charge three times the mobile homes collision premium.

Deleted

2. Rented Commercial Automobiles (except any automobile rented and used principally as a public or livery conveyance) are not subject to these rules but are subject to regular commercial automobile rules and rates.

Deleted

Rules 106–114. RESERVED FOR FUTURE USE Rule 115. FLEET PLAN—ELIGIBILITY A. A risk of five or more automobiles of any type owned by one insured is a fleet and may

be written as follows: If all licensed automobiles and trailers of the risk are NOT insured in the same company, a policy covering any number of such automobiles may be eligible provided the number of automobiles so written by all companies is not less than five. If so written, the following provisions apply: The policy shall contain a complete description of all licensed automobiles and trailers for which coverage is provided by year of model, trade name and identification or serial number, territory, business use, size class, seating capacity, etc. as required by applicable Manual rules.

B. It is not permissible to apply any other underwriting basis contained in this Manual to automobiles insured in accordance with this Rule.

C. This Rule does not apply to the following types of automobiles: 1. Automobiles and trailers owned by employees of the insured, by partners,

individuals, or officers of a corporation whether or not used in connection with the insured’s business.

2. Automobiles and trailers hired by the insured. However, automobiles, other than as specified in 1 above, hired by the insured under a long-term contract ARE ELIGIBLE. References in this Rule to owned automobiles and trailers include automobiles and trailers hired under long-term contracts and insured on a speci-fied car basis at the same rates as though they were owned by the insured.

Deleted


TERRITORIES Territorial Schedule and Code HAWAII COUNTY (Island of Hawaii) ............................. 05 HONOLULU COUNTY (Island of Oahu) ........................ 01 KAUAI COUNTY (includes islands of Kauai and Niihau) 04 MAUI COUNTY (includes islands of Lanai, Maui, and Molokai) 03


Rule 19


Side-by-Side Exhibit—Private Passenger Manual

May 16, 2012 Page 1 of 14


Provision Rule 1. DEFINITIONS Rule 20

A. Private Passenger Auto 1. A private passenger auto is a four wheel motor vehicle, other than a truck type,

owned or leased under contract for a continuous period of not less than one year, and a. not used as a public or livery conveyance for passengers. b. not rented to others.

Rule 20.A.1

2. A motor vehicle that is a pickup or van shall be considered a private passenger auto, if it a. is owned by an individual or by a husband and wife who are residents of the

same household; b. has a gross vehicle weight of less than 10,000 lbs; and c. is not used for the delivery or transportation of goods or material unless

such use is (1) incidental to the insured’s business of installing, maintaining, or repair-

ing furnishings or equipment, or (2) for farming or ranching.

Rule 20.A.2

A pickup or van used in the business of the United States Government, by an employee of the Government, shall be considered a private passenger auto only if a. it meets the conditions in a, b, and c above; and b. coverage is limited in accordance with the federal employees using autos in

government business endorsement.

Rule 20.A.3

3. A motor vehicle owned by a farm family copartnership, or farm family corporation, shall be considered a private passenger auto owned by two or more relatives who are residents of the same household if a. it is principally garaged on a farm or ranch, and b. it otherwise meets the definition in 1 and 2 above.

Rule 20.A.4

B. “Auto” as used in this Manual refers to a private passenger auto or a vehicle considered as a private passenger auto.

Deleted

C. “Liability” as used in this Manual refers only to bodily injury and property damage coverages.

Deleted

D. “Comprehensive coverage” as used in this Manual refers to other than collision damage to a motor vehicle.

Deleted

E. “Owned” as used in this Manual includes an auto leased under contract for a continuous term of not less than one year. If an auto lease contract requires the lessee to provide primary insurance for the lessor, attach the Additional Insured—Lessor endorsement.

Deleted

F. “Resident relative” as used in this Manual may include reciprocal beneficiary as the term is defined in Act 383, SLH 1997 residing in the same household as the named insured, whether or not temporarily residing elsewhere.

Rule 22.A

Rule 2. HJUP ELIGIBILITY The JUP shall provide motor vehicle policies for the following class of persons, autos, and uses

Rule 21, lead in

A. Autos owned by licensed drivers, defined as follows: 1. The applicant or any person who resides in the same household as the applicant

and customarily operates the auto or any other person who regularly and fre-quently operates the auto to be insured, who a. within the 36 months prior to the date of the application has had his driver’s

license under suspension or revocation, or b. within the 36 months prior to the date of the application has been convicted

of operating an auto without motor vehicle insurance, or c. within the 18 months prior to the date of the application, been convicted of

or forfeited bail for two or more moving traffic violations, or d. within the 36 months prior to the date of the application, has been convicted

of any felony involving an auto.

Rule 21.A.1

2. The applicant or any operator of an auto in the same household who customarily operates the auto or any other operator who customarily operates the auto has been involved during the 36-month period prior to the date of the application in

Rule 21.A.2


PRIVATE PASSENGER MANUAL

Page 2 of 14 May 16, 2012


Provision a. two or more accidents involving bodily injury or death if there is one car in

the household or an average of more than one such accident for all cars in the household, provided that a loss payment has been made or a loss re-serve has been established for such accidents, or

Rule 21.A.2.a

b. two or more accidents involving damage to any property, including his own, of $1,000 or more if there is one car in the household, or an average of more than one such accident for all cars in the household, provided that loss payments or reserves under the comprehensive physical damage coverage shall not be counted, or

Rule 21.A.2.b

c. a combination of two or more such accidents of the type specified in a or b above.

Rule 21.A.2.c

Accidents under 2.a, b, or c shall not be counted unless it can be clearly demon-strated that the applicant or other operator referred to therein was at fault. Accidents occurring under the following circumstances would tend to demon-strate that such applicant or operator was not at fault:

(1) auto was lawfully parked (An auto rolling from a parked position shall not be considered as lawfully parked, but shall be considered as the operation of the last operator); or

(2) applicant or other operator residing in the same household, was reim-bursed by, or on behalf of, a person responsible for the accident or has judgment against such person; or

(3) auto for the applicant or other operator resident in the same household was struck in the rear by another auto, and the operator has not been convicted of a moving traffic violation in connection with the accident; or

(4) operator of the other auto involved in such accident was convicted of a moving traffic violation and the named insured or other operator resi-dent in the same household was not convicted of a moving traffic viola-tion in connection therewith; or

(5) auto operated by the applicant or other operator resident in the same household was damaged as a result of contact with a hit-and-run driv-er, if the accident was reported to proper authority within 24 hours; or

(6) accidents involving contact with animals or fowl; or (7) accidents involving physical damage, limited to and caused by flying

gravel, missiles, or falling objects.

Rule 21.A.2.c

3. Licensed drivers, or unlicensed permanently disabled individuals unable to operate their autos, who are receiving public assistance benefits consisting of direct cash payments through the state department of human services or bene-fits from the supplemental security income program under the Social Security Administration.

Rule 21.A.3

a. The state department of human services (DHS) shall provide a certificate of eligibility for JUP coverage to eligible drivers/owners who desire basic motor vehicle policy coverage under JUP, in accordance with section 16-23-72(a)(5) and 16-23-73. The driver shall submit the certificate in person or by mail to the servicing carrier of his choice for a motor vehicle policy. The cer-tificate shall be accepted by the servicing carrier in accordance with section 16-23-73 and treated as if it were payment in full for the requested motor vehicle coverages. The service carrier shall promptly notify the director of human services of public assistance recipients which it insures.

Rule 21.A.3.a

b. An applicant shall first exhaust all paid coverage under any motor vehicle policy then in force before becoming eligible for JUP coverage.

Rule 21.A.3.b

c. Upon termination of public assistance benefits, the DHS shall: Rule 21.A.3.c (1) notify the recipient upon termination of public assistance benefits and

instruct the recipient that the recipient must immediately notify the ser-vicing carrier of the termination of benefits and obtain timely insurance for the recipient’s auto;

Rule 21.A.3.c(1)

(2) give written notice to the recipient that the recipient’s JUP basic motor vehicle policy will terminate thirty days from the date of termination of public assistance benefits. This notice of cancellation shall be consid-ered as proper notification under the provisions of sections 431:10C-111 and 431:10C-112, HRS, and section 16-23-15, providing the recip-ient with thirty days notice of cancellation; and

Rule 21.A.3.c(2)

(3) notify the servicing carrier of the termination of public assistance bene-fits and the date the termination was effective.

Rule 21.A.3.c(3)



May 16, 2012 Page 3 of 14


Provision B. All other autos, not classified under A.1, A.2, and A.3 owned by licensed drivers who

are unable to obtain motor vehicle policies and optional insurance through ordinary means shall be rated as 431:10C-407(b)(1)(E), HRS, Eligible Insureds only.

Rule 21.A.4

Rule 2A. PERSONAL AUTO POLICY ELIGIBILITY Rule 22 A. A Personal Auto Policy shall be used to afford coverage to private passenger auto

and motor vehicle considered as private passenger autos in Rule 1 if: 1. they are written on a specified auto basis, and 2. they are owned by an individual resident relative or by a husband and wife who

are residents in the same household.

Rule 22.B

B. A Personal Auto Policy shall be used to afford coverage to private passenger autos that are owned jointly by two or more: 1. Relatives other than husband and wife; or 2. Resident individuals;

if: a. they are written on a specified auto basis, and b. coverage is limited in accordance with the miscellaneous type vehicle

endorsement.

Rule 22.C

C. A Personal Auto Policy shall be used to afford coverage to miscellaneous type autos subject to Chapter 431:10C, HRS, but not including motorcycles and motor scooters, if: 1. they are written on a specified vehicle basis. 2. they are owned by an individual, by a husband and wife who are residents of the

same household, or by two or more resident relative, and 3. coverage is limited in accordance with the miscellaneous type vehicle or

snowmobile endorsement.

Rule 22.D

D. A Personal Auto Policy shall be used to afford coverage to a named individual who does not own an auto. The named nonowner coverage endorsement must be attached.

Rule 22.E

E. Personal Injury Protection Coverage Rule 28 1. Every motor vehicle required to be registered in Hawaii and rated in accordance

with this Manual shall be afforded basic personal injury protection coverage as prescribed in the Hawaii Motor Vehicle Insurance Law.

Rule 28.A.1


Rule 28.A.2


Rule 28.A.3

4. Refer to Rule 14 for personal injury protection coverage options. Rule 28.A.4 F. Every motor vehicle required to be registered in Hawaii and rated in accordance with

this Manual shall be afforded the following minimum mandatory coverages: bodily injury liability, property damage liability, and personal injury protection. Except as provided by 431:10C-407(b)(3), HRS, uninsured motorist and underinsured motorists coverages shall also be afforded unless rejected in writing. Refer to Rule 14 for personal injury protection coverage and uninsured motorists and underinsured motorists coverage requirements.

Rule 22.F


Bodily injury liability and property damage liability and personal injury protection premiums are determined as follows:

Rule 23.B

A. Refer to the Classification Rule (Rule 4) to determine the applicable classification, rating factor, and statistical code.

Rule 23.B.1

B. Refer to territory definitions to determine the territorial schedule code number for the location where the auto is principally garaged.

Rule 23.A.1

Note: When a risk is statutorily required to have, or is eligible for, a coverage that is not available in the territory of principal garaging, use the registration ad-dress to determine the territory for that coverage.

Rule 23.A.1, Note

C. Refer to the Eligibility Rule (Rule 2) to determine the applicable rate schedules. Deleted D. Refer to the rate schedules to determine base rates for the desired coverage for the

appropriate territory. Rule 23.6.a



Page 4 of 14 May 16, 2012


Provision E. The premium for each coverage is determined by multiplying the base rate by the

appropriate rating factor. Classification plan rating factors are used in determining the premiums for the following coverages: bodily injury liability and property damage liability and basic personal injury protection.

Rule 23.B.6.b

Classification plan rating factors are not applicable to any other coverages including uninsured motorists and underinsured motorists coverages.

Rule 27.C

F. When a surcharge is applicable under the Certified Risk—Financial Responsibility Laws Rule, the surcharge is to be applied to the liability and personal injury protection premiums determined by the foregoing provisions.

Rule 23.B.6.d and B.8.d

G. Physical Damage Coverage Rule 23.C Note: When a risk is statutorily required to have, or is eligible for, a coverage

that is not available in the territory of principal garaging, use the regis-tration address to determine the territory for that coverage.

Rule 23.A.1, Note

1. Determine the rating territory to be used (Rule 20). Rule 23.A.1 2. Determine the appropriate model year factor from the Private Passenger Auto

Rate Chapter as follows: a. The model year of the auto is the year assigned by the auto manufacturer.

Rule 23.C.1

b. Rebuilt or Structurally Altered Autos—The model year of the chassis deter-mines the model year of the auto.

Rule 23.C.1.b


Rule 23.C.1.b Note

Rule 4. CLASSIFICATIONS Rule 24

Refer to paragraph C below for definitions of terms used in this Rule. Rule 24.A A. Autos owned by an individual, or owned jointly by two or more relative or resident

individuals are classified as follows: 1. Primary Classification

a. Classify the auto according to the use of the auto, and b. Determine the applicable factor from the primary rating factor tables.

Rule 24.A

2. Secondary Classification a. Refer to the Safe Driver Insurance Plan, to classify automobiles according

to the provisions of the Plan. b. Refer to the secondary rating factor table to determine the appropriate

factor to be added to, or subtracted from the primary rating factor.

Rule 26.I

3. Classification Changes Compute premium adjustments on a pro rata basis when changes in primary and secondary rating classifications are made. This includes the addition or deletion of an operator during the policy term.

Rule 7.E

EXCEPTIONS: A policy shall not be changed midterm to effect a change in the driving record subclassifications. A policy shall not be changed midterm solely due to a change in symbol assign-ment based on a review of loss experience.

Rule 7.E EXCEPTIONS

B. For private passenger autos owned by corporations, copartnerships, or unincorporated associations, refer to the Commercial Automobile Manual.

Deleted

EXCEPTIONS Deleted 1. For corporations, copartnerships, or unincorporated associations owning less

than five motor vehicles: An owned private passenger auto principally furnished to a specified individual shall be classified and rated as if owned by that individual, in accordance with Rule 4.A, provided that auto is not used for business purposes. This rule does not apply to autos which are eligible for rating as van pools in the Commercial Automobile Manual.

Deleted

2. For farm family copartnerships or farm family corporations. Rule 24.C.3 An owned private passenger auto principally garaged on a farm or ranch shall be classified and rated in accordance with Rule 4.A, provided the vehicle is:

Rule 24.C.3

a. not experience rated, and Rule 24.C.3 b. not used in any occupation other than farming or ranching, or Rule 24.C.3 c. used only in driving to or from work. Rule 24.C.3



May 16, 2012 Page 5 of 14


Provision C. Definitions

1. Use Classifications Rule 24.C

a. “Business use” means that the use of the auto is required by or customarily involved in the duties of the applicant or any other person customarily oper-ating the auto, in an occupations, professions or business, other than going to or from the principal place of occupation, profession, or business. (Class Code 3)

Rule 24.C.1

b. “Farm use” means the auto is principally garaged on a farm or ranch, and (1) it is not customarily used in going to or from work other than farming or

ranching, or driving to or from school, and (2) is not customarily used in any occupation other than farming or ranch-

ing. (3) Farm use shall be classified as pleasure use.

Rule 24.C.3

c. “Pleasure use” means: (Class Code 1A) (1) No business use. (2) Personal use including driving to or from work or school not more than

two days per week or not more than two weeks in any five week peri-ods.

Rule 24.C.4

d. “To and from work” means: (Class Code 1B) (1) No business use. (2) Personal use including driving to or from work or school, more than two

days per week or more than two weeks in any five week period.

Rule 24.C.2

e. An auto driven part way to or from work or school, such as to a bus depot, whether or not the auto is parked at the depot during the day, shall be con-sidered as driving to or from work or school.

Rule 24.C.2.b

f. For bodily injury and property damage liability coverages only, an auto used in the business of the U.S. Government by one of its employees may be classified and rated as pleasure use or to and from work when the federal employees using autos in government business endorsement is used to lim-it coverage.

Rule 24.B

2. “Resident” means anyone residing in the same household, except a. A person in active military service with the armed forces of the United

States of America is not considered a resident in the applicant’s household unless this person customarily operates the auto.

b. A person who is a resident student at a school, college, or educational institute away from the island of principal garaging of the automobile shall be considered a resident of the household.

Rule 24.C.5

3. Pickups and Vans Rule 23.C.2 a. Liability, personal injury protection, and physical damage: Classify and rate

as a private passenger auto. For nonsymbolled pickups, determine a sym-bol based on original cost new from the tables on page 1 of the Symbol and Identification Section.

b. When a pickup is used to transport a non-permanently attached camper body, or to transport a camper body or cover with no facilities for cooking and sleeping

Deleted

(1) Add the cost of the camper body or cover to the cost of the pickup and determine a symbol from the tables on page 1 of the Symbol and Iden-tification Section.

Deleted

(2) Rate according to paragraph a. Deleted c. When a pickup is used to transport a permanently attached camper body

with facilities for cooking and sleeping, refer to the Miscellaneous Types Rule (Rule 19).

Deleted

Rule 5. SAFE DRIVER INSURANCE PLAN (SDIP) Rule 26

SDIP is to be applied to all eligible autos. Rule 26.A, lead in



Page 6 of 14 May 16, 2012


Provision A. Eligibility An auto is eligible for rating under this plan if it is:


2. Furnished to an individual by a corporation, partnership, or unincorporated association owning less than five motor vehicles and not used for business purposes.

3. Owned by a family partnership or family corporation, provided the vehicle is: a. garaged on a farm or ranch; and b. not rated as part of a fleet; and c. not used in any occupation other than farming or ranching.

Rule 26.A

EXCEPTIONS 1. The SDIP does not apply to an auto that is used in the business of driver

training.

Deleted

2. For a private passenger auto not eligible for the plan add 0.20 to the primary rating factor otherwise applicable. Refer to Statistical Plan for codes.

Rule 26.A, exception

B. Driving Record Points Rule 26.F 1. Convictions Rule 26.F.2

Convictions shall include bail forfeiture, penal summons, bench warrants out-standing for failure to appear or a determination by a juvenile court authority, formally or informally, that an offense has been committed. Points shall be assigned for the following convictions during the experience period for motor vehicle violations of the applicant or any other current resident operator.

Rule 26.E, NOTE 2

a. Eight points shall be assigned for each of the following convictions, includ-ing points assignable for the accident: (1) driving an auto while under the influence of intoxicating liquor or narcot-

ic drugs where injury to person or damage to property results there-from,

Rule 26.F.2.a and F.1, Exception 1

(2) revocation of privilege to drive an auto upon refusal to submit to test where injury to person or damage to property results therefrom,

Rule 26.F.2.b and F.1.Exception 1

(3) failing to stop and report when involved in an accident, Rule 26.F.2.c and F.1.Exception 1 (4) homicide or assault arising out of the operation of an auto. Rule 26.F.2.d and F.1.Exception 1

b. Six points shall be assigned for each of the following convictions, including points assignable for the accident: (1) driving an auto at an excessive rate of speed where injury to person or

damage to property results therefrom,

Rule 26.F.2.e and F.1.Exception 1

(2) driving an auto in a reckless manner where injury to person or damage to property results therefrom.

Rule 26.F.2.f and F.1.Exception 1

c. Six points shall be assigned for each of the following convictions: (1) driving an auto while under the influence of intoxicating liquor or narcot-

ic drugs where injury to person or damage to property does not result therefrom,

Rule 26.F.2.g

(2) revocation of privilege to drive auto upon refusal to submit to test where injury to person or damage to property does not result there-from.

Rule 26.F.2.h

d. Five points shall be assigned for each of the following convictions: (1) operating an auto during period of revocation or suspension of registra-

tion or license, not including points assignable for any accident that may result,

Rule 26.F.2.i

(2) operating an auto without state or owner’s authority, not including points assignable for any accident that may result,

Rule 26.F.2.j

(3) loaning operator’s license to an unlicensed operator, Rule 26.F.2.k (4) the making of false statements in the application for license or registra-

tion, Rule 26.F.2.l

(5) impersonating an applicant for license or registration, or procuring a li-cense or registration through impersonation whether for himself or an-other.

Rule 26.F.2.m

e. Four points shall be assigned for each of the following convictions: (1) driving an auto in a reckless manner where injury to person or damage

to property does not result therefrom,

Rule 26.F.2.n

(2) permitting an unlicensed person to drive. Rule 26.F.2.o



May 16, 2012 Page 7 of 14


Provision f. Three points shall be assigned in the case of one conviction, and four

points shall be assigned for each additional conviction for driving an auto at an excessive rate of speed where injury to person or damage to property does not result therefrom.

Rule 26.F.2.p

g. Three points shall be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for operating an auto without motor vehicle insurance.

Rule 26.F.2.q

h. One point shall be assigned for one conviction and two points shall be assigned for each additional conviction, in the case of convictions for a moving traffic violation other than those set forth above, unless the convic-tion resulted from an accident for which points are assignable, in which case only the points for the accident shall be assigned.

Rule 26.F.2.r

2. Accidents Rule 26.F.1 Points shall be assigned for each accident that occurred during the experience period, involving the applicant or any current resident operator while operating an auto.

Rule 26.D.1

Two points shall be assigned for each auto accident involving the applicant, or any operator of the auto currently resident in the same household, while operat-ing any private passenger type auto (except that no points shall be assigned under the applicant’s policy for accidents incurred by an operator demonstrated to be a named insured or principal operator of an auto insured under a separate policy) resulting in: a. bodily injury, or death; or b. damage to any property including his own in excess of $1,000.

Rule 26.F.1, F.9

3. Refund of Surcharged Premium If a point has been assigned for an accident or conviction and it is later deter-mined that the accident or conviction falls under one of the exceptions in this rule, the company shall refund to the insured the increased portion of the premi-um generated by the accident or conviction.

Rule 26.G

C. Experience Period The experience period shall be the three years immediately preceding the date of application for assignment, and in the case of renewal, the three years immediately preceding the effective date of the renewal policy.

Rule 26.C


Rule 26.F.2



2. failure to display proper number plates provided such plates are in existence; Rule 26.F.2. Exception 2 3. failure to have in possession operator’s or chauffeur’s license provided there is

one in existence. Rule 26.F.2. Exception 3

EXCEPTIONS: Points shall not be assigned under this subsection against the applicant for involvement in an accident

Rule 26.F.1 EXCEPTIONS

1. which occurred while the auto owned or operated by the applicant or other person who usually drives the applicant’s auto was lawfully parked; nor


2. for involvement in an accident in which the auto was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours; nor


3. for involvement in an accident as a result of which the applicant or other person who usually drives the applicant’s auto obtained a judgment against, or a settle-ment from or on behalf of, the owner or operator of another auto involved in such accident, if the judgment or settlement was obtained prior to the date of applica-tion or, in case of renewal, prior to the effective date of the renewal policy, and provided no judgment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usually drives the appli-cant’s auto, as a result of such accident; nor


4. for involvement in an accident in connection with which neither the applicant nor other person who usually drives the applicant’s auto was convicted of a moving traffic violation, and the owner or operator of another auto involved was so convicted; nor


5. accident results in payment under personal injury protection or additional personal injury protection and applicant or other operator residing in the same household is not at fault; nor


6. accidents involving damage by contact with animals or fowl; nor Rule 26.F.1. Exception 7



Page 8 of 14 May 16, 2012


Provision 7. accidents involving physical damage, limited to and caused by flying gravel,

missiles, or falling objects. Rule 26.F.1. Exception 8

D. Driving Record Subclassification The driving record subclassification shall be determined from the number of driving record points accumulated during the experience period.

Deleted

E. Multicar Risk Points applicable to risks of two, three, or four autos shall be applied first to the auto with the highest total base premium and any points in excess of seven shall be applied to the next auto with the highest rated total base premium or autos in succession. Total base premium is the sum of the base premium for bodily injury and property damage liability, basic personal injury protection, comprehensive, and collision coverages that apply to the auto.

Rule 26.H

F. Administration of SDIP 1. New Business

a. Initial information necessary to assign the proper driving record subclassification shall be obtained from an application signed personally by the applicant.

b. The signature of the applicant on all applications received from an agent, broker, or solicitor shall be certified by such agent, broker, or solicitor.

2. Renewal Business Information necessary to assign proper renewal driving record subclassification shall be determined from any one or combination of the following: a. company’s own records; or b. motor vehicle records; or c. an application signed by the applicant and producer.

Rule 26.B

Refer to Exception Pages for primary and secondary rating factors. Rule 26.I


Rule 7. MINIMUM PREMIUM RULE Rule 5

A. A minimum annual premium charge of $50 shall be made for each policy, certificate, declaration or binder covering one or more of the following perils: Comprehensive Collision Bodily Injury Liability Property Damage Liability Personal Injury Protection

Rule 5.A

B. The minimum premium charge is not subject to reduction except in the event of cancellation, the minimum premium charge shall be adjusted on a pro rata basis.

Rule 5.B and C

Rule 8. POLICY PERIOD Rule 6

A. No policy may be written for a period longer than 12 months. Rule 6 lead in B. Premium charged for policy terms as follows:

Twelve Month Policies— Charge the annual premium or minimum premium whichever applies.

Rule 6.A

Rule 9. CHANGES Rule 7

A. All changes requiring premium adjustments shall be computed pro rata. Rule 7.A B. If an auto or a form of coverage that was cancelled from a policy at the request of the

insured is reinstated within 30 days, the premium shall be the same as the amount that was returned at the time of cancellation.

Rule 7.B

C. Adjustments of $5 or less: Rule 7.C 1. If an outstanding policy is amended and results in a premium adjustment or $5

or less, the amount: a. may be waived, or b. may be subject to a minimum of $5. except that the actual return premium shall be returned at the request of the insured.

Rule 7.C.1



May 16, 2012 Page 9 of 14


Provision 2. Minimum premium of $5 applies if an insured requests the following during the

policy period: a. additional coverage, b. an increase in limits of liability, c. a reduced deductible.

Rule 7.C.2

3. Companies need not refund a return premium of less than $5 is the insured requests the following: a. cancellation of coverage, b. reduction in limits of liability, c. increase in deductible. except that the actual return premium shall be returned at the request of the insured.

Rule 7.C.3

4. If the limits of liability are increased because of a change in the limits prescribed under any financial responsibility law, the additional premium charge shall be the actual difference in premium charges. If $5 or less, it may be charged or waived.

Rule 7.C.4

D. Endorsements—Midterm changes adding or replacing an auto shall be made as follows: 1. Endorsements adding an auto to the policy will be made using the rules and

rates in effect at the time the change is made. 2. Endorsements replacing one auto with another:

a. For bodily injury, property damage, and basic personal injury protection coverages, use the rules and rates in effect for the auto being replaced.


Rule 7.D

Rule 10. CANCELLATION If a policy is cancelled either by the company or by the insured, compute return premium pro rata.

Rule 8.A

Rule 11. WHOLE DOLLAR PREMIUM The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy unless noted otherwise unless noted otherwise. A premium involving $.50 or more shall be rounded to the next higher whole dollar. This procedure shall apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company, the return premium may be carried to the next higher whole dollar. The phrase “each exposure” as used herein shall mean each premium developed (after the application of all applicable adjustments) for (1) each auto, if written on a per car basis, and (2) for all other auto business.

Rule 4



Rule 14. MISCELLANEOUS COVERAGES

A. Uninsured Motorists Coverage 1. Owners—(Class Code—Refer to Statistical Plan)

This form of auto insurance shall be afforded, on a stacked basis, at limits equal to the bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle registered or principally garaged in Hawaii. EXCEPTIONS: a. The named insured may reject in writing

(1) uninsured motorists coverage in its entirety, or (2) stacked uninsured motorists coverage and select nonstacked cover-

age, or (3) limits equal to the bodily injury liability limits and select lower limits, but

not less than the financial responsibility limits. b. The written agreement to reject this coverage or select lower limits shall

only be required when the policy is first applied for or issued. The written agreement need not be required on any subsequent renewal or replace-ment policy.

Rule 27.A



Page 10 of 14 May 16, 2012


Provision The option to reject stacked uninsured motorists coverage shall be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing. a. If the named insured does not reject stacked uninsured motorists coverage

in writing, stacked coverage must apply to all vehicles insured under the policy.

b. If the named insured rejects the stacked uninsured motorists coverage option in writing, nonstacked coverage must apply to all vehicles insured under the policy.

The insurer shall notify the named insured of this option only when the policy is first applied for or issued. No further offer is required on any subsequent renewal or replacement policy.

Rule 27.A

Rates Refer to rate sheets of this Manual. Increased limits shall be afforded by apply-ing the increased limit factor, for residual bodily injury liability to the base rate for uninsured motorist coverage.

Rule 27.A.2

The provisions of Rule 4. Classifications and Rule 5. Safe Driver Insurance Plan do not apply to the rates for this coverage.

Rule 27.C

2. Nonowners If a named nonowner policy is extended to afford uninsured motorists coverage, the rate for such extension of coverage shall be the applicable uninsured motor-ists rate shown on the rate schedules for owners.

Rule 27.A.3

B. Underinsured Motorists Coverage 1. Owners—(Class Code—Refer to Statistical Plan)

This form of auto insurance shall be afforded, on a stacked basis, at limits equal to the bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle registered or principally garaged in Hawaii. EXCEPTIONS: a. The named insured may reject in writing

(1) underinsured motorists coverage in its entirety, or (2) stacked underinsured motorists coverage and select nonstacked cov-

erage, or (3) limits equal to the bodily injury liability limits and select lower limits, but

not less than the financial responsibility limits. b. The written agreement to reject this coverage or select lower limits shall

only be required when the policy is first applied for or issued. The written agreement need not be required on any subsequent renewal or replace-ment policy.

The option to reject stacked underinsured motorists coverage shall be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing. (a) If the named insured does not reject stacked underinsured motorists cover-

age in writing, stacked coverage must apply to all vehicles insured under the policy.

(b) If the named insured rejects the stacked underinsured motorists coverage option in writing, the the nonstacked coverage must apply to all vehicles in-sured under the policy.

The insurer shall notify the named insured of this option only when the policy is first applied for or issued. No further offer is required on any subsequent renewal or replacement policy.

Rule 27.B.1

Rates Refer to rate sheets of this Manual. Increased limits shall be afforded by apply-ing the increased limit factor for residual bodily injury liability to the base rate for underinsured motorist coverage.

Rule 27.B.2


Rule 27.C

2. Nonowners If a named nonowner policy is extended to afford underinsured motorists cover-age, the rate for such extension of coverage shall be the applicable underin-sured motorists rate shown on the rate schedules for owners.

Rule 27.B.3

C. Deductible Insurance Rule 29



May 16, 2012 Page 11 of 14


Provision 1. Deductible Liability Insurance—is not available for vehicles classified and rated

in accordance with the rules of this Manual. Deleted

2. Comprehensive coverage shall be afforded, at the option of the insured, with the following factors applicable to the rates developed in the applicable rules: Deductible Factor $ 0 1.508 50 1.160 100 1.000 250 0.900 500 0.775 1,000 0.581 1,500 0.481 2,000 0.419

Rule 29.A

3. Collision coverage shall be afforded, at the option of the insured, with the following factors applicable to the rate developed in the applicable rules: Deductible Factor $ 50 1.413 100 1.130 250 1.000 500 0.930 1,000 0.780 1,500 0.640 2,000 0.538

Rule 29.B

4. Personal Injury Protection Deductibles Every insurer issuing a motor vehicle insurance policy providing personal injury protection coverage to a named insured shall make available to such named insured the option to purchase a medical expense benefits per accident deductible of $100, $300, $500, or $1,000, applicable to the named insured and family members. The same deductible shall apply to all vehicles in the policy. Multiply the basic personal injury protection premium by the appropriate factor shown below to determine the flat dollar credit. Subtract this credit from the applicable basic personal injury protection premium. Deductible Factor $100 0.050 300 0.100 500 0.150 1,000 0.200

Rule 29.C

D. Optional Benefits Coverage Rule 28.B

Every insurer issuing a motor vehicle insurance policy to a named insured shall make available to such named insured the following optional benefits additional coverage with every new and renewal policy:

Rule 28.B

1. Wage loss benefits applicable to the named insured and family members. For wage loss benefits at a monthly limit of $500 and subject to a per accident limit of $3,000, refer to rate schedules for the annual rate per auto. For monthly limits higher than $500, multiply the $500/3,000 wage loss benefits rate by the appropriate factor shown below. Monthly Limit Factor $ 1,000/6,000 1.96 1,500/9,000 2.84 2,000/12,000 3.63

Rule 28.B.1

2. Death Benefits: For death benefits at a limit of $25,000, refer to rate schedules. For death benefits at higher limits, multiply the $25,000 limit rate by the appro-priate factor shown below: Limit Factor $ 25,000 1.00 50,000 2.00 75,000 3.00 100,000 4.00

Rule 28.B.2



Page 12 of 14 May 16, 2012


Provision 3. Funeral Expenses. For funeral expenses benefits at a limit of $2,000, refer to

rate schedules. Rule 28.B.3

4. Alternative expenses for naturopathic, acupuncture, and nonmedical remedial care, and treatment rendered in accordance with the teachings, faith, or belief of any group which relies upon spiritual means through prayer for healing. Refer to rate schedules.

Rule 28.B.4


A. Owners Rating factor for the bodily injury, property damage, and basic personal injury protection for the highest rated auto insured under the policy shall be increased by .10 for a risk on which a certificate of insurance is filed to comply with the require-ments of an auto financial responsibility law.

B. Nonowners If the policy is written to insure a named operator or named nonowner, the additional premium shall be computed by applying the applicable surcharge in paragraph C to the premium for the policy.

C. Surcharges The following surcharges are applicable to PIP, BI, and PD premiums. 1. A 50% surcharge is applicable if the certificate is required for a conviction listed

below. This surcharge is to be applied for the period of time a certificate is required but in no event for a period in excess of three years following convic-tion. a. Driving a motor vehicle while intoxicated b. Failing to stop and report when involved in an accident c. Homicide or assault arising out of the operation of a motor vehicle

2. A 25% surcharge is applicable if the certificate is required for a conviction listed below. This surcharge is to be applied for the period of time a certificate is required but in no event for a period in excess of three years following convic-tion. a. Driving a motor vehicle at an excessive rate of speed where an injury to

person or damage to property actually results therefrom b. Driving a motor vehicle in a reckless manner where an injury to person or

damage to property actually results therefrom 3. A 5% surcharge is applicable if the certificate is required for any other cause

whatsoever.

Rule 3

Rule 16. NAMED NONOWNER POLICY Rule 30

For Individuals Who Do Not Own an Auto Rule 30.A A named nonowner policy shall be written to provide basic bodily injury liability and property damage liability coverages for any applicant. A DHS certificate shall not be acceptable in lieu of payment for this policy.

Rule 30.B

A. Liability Coverage A policy may be written to cover a named individual and spouse, if residents of the same household with respect to the operation by either or on behalf of either of non-owned automobiles or the presence of either or both in any such automobile, subject to the provisions: 1. The bodily injury liability and property damage liability rate for named nonowner

policies shall be given the following classification: N1 or N1-FR The automobiles are used by, but not owned by the named in-

sured. Classification N1-FR applies to risks required to file evidence of financial re-sponsibility.

2. Charge 50% of the premium* that would apply if such individual owned an auto.

Rule 30.C

* Subject to additional charges under Rule 5 of this Manual. Rule 30.C.4

B. Uninsured Motorists Insurance Charge the uninsured motorists coverage rate displayed on the rate schedules for owners.

Rule 30.D



May 16, 2012 Page 13 of 14


Provision Rule 17. RESERVED FOR FUTURE USE

Rule 18. INCREASED LIMITS A. Liability Increased Limits Rules

1. Basic limits mean $20,000/40,000 bodily injury, and $10,000 property damage. 2. The tables in paragraphs B and C contain the factors to be applied to basic limits

rates to determine the premium for other limits, subject to the following provision.

Rule 25

B. Bodily Injury Liability Increased Limits Table Limits Factor $ 20/40 1.00 50/100 1.42 100/300 1.66 300/300 1.83 300/600* 1.86 *where required by law

Rule 25.A, Table 1

C. Property Damage Liability Increased Limits Table Increased limits table applicable to $10,000 property damage liability rates Limits Factor $15,000 per occurrence 1.01 (minimum $1) $20,000 per occurrence 1.02 (minimum $2) $30,000 per occurrence 1.04 (minimum $3) $50,000* per occurrence 1.08 (minimum $5) *where required by law

Rule 25.A, Table 1A

Rule 19. MISCELLANEOUS TYPES Deleted

A. Liability and Personal Injury Protection Miscellaneous type autos subject to Chapter 431:10C, HRS, but not including motorcycles and motorscooters, owned by an individual, by husband and wife who are residents of the same household, or by two or more resident relatives and is not customarily used in the occupation, profession, or business of the insured other than in the course of driving to and from work shall be classified and rated as a private passenger auto.

B. Physical Damage 1. Determine the stated amount value, including the value of any custom built

additions. 2. Assign a symbol based on the stated amount using the tables in the

Price/Symbol chart located in the S&I Manual corresponding to the model year of the auto. Refer to the Private Passenger Auto Rate Chapter to determine the base rates for the appropriate symbol and model year of the miscellaneous type auto.

C. Trailers Designed for Use with Private Passenger Autos Rule 31.A LIABILITY AND PERSONAL INJURY PROTECTION A Personal Auto Policy affording liability coverage and personal injury protection covers trailers designed for use with a private passenger auto, pickup, or van without additional premium charge and without specific description of the trailer. EXCEPTIONS: Coverage is not provided for a trailer 1. used for business purposes with other than a private passenger auto or owned

pickup, or van, or 2. when no auto is owned by the insured.

Rule 31.C.1

Rule 20. RATE, TERRITORY Rule 19

A. The rate sheets show rates by territory. All stated amount rates are rates per $100 of insurance unless otherwise noted.

Deleted



Page 14 of 14 May 16, 2012


Provision B. Territories TERRITORY DEFINITIONS HAWAII (State Code 52) Territorial Schedule and Code HAWAII COUNTY (Island of Hawaii) ............................................................................ 05 HONOLULU COUNTY (Island of Oahu) .............................................................................. 01 KAUAI COUNTY (includes islands of Kauai and Niihau) ....................................................... 04 MAUI COUNTY (includes islands of Lanai, Maui, and Molokai) ............................................... 03 Note: Refer to an atlas or map for places not listed.

Rule 19

TRUCKS, TRACTORS, & TRAILERS

Proposed Current

%Change Proposed Current





%Change

1 $298 293 1.7% $202 199 1.5% $192 188 2.1% $327 322 1.6% $213 209 1.9% $192 $188 2.1%3 192 189 1.6% 121 119 1.7% 164 161 1.9% 212 208 1.9% 126 124 1.6% 164 161 1.9%4 175 172 1.7% 111 109 1.8% 157 154 1.9% 192 189 1.6% 116 114 1.8% 157 154 1.9%5 187 184 1.6% 119 117 1.7% 225 221 1.8% 205 202 1.5% 124 122 1.6% 225 221 1.8%

Proposed Current % Change Proposed Current % Change Proposed Current % Change

1 $547 568 -3.7% $259 264 -1.9% $293 310 -5.5%3 478 497 -3.8% 181 184 -1.6% 285 301 -5.3%4 476 494 -3.6% 181 184 -1.6% 290 306 -5.2%5 497 516 -3.7% 209 213 -1.9% 323 341 -5.3%

VAN POOLS

Proposed Current ** % Change Proposed Current *** % Change Proposed Current ** % Change

1 $414 $955 -56.6% $281 $279 0.7% $207 $922 -77.5%3 267 619 -56.9% 168 167 0.6% 177 790 -77.6%4 243 561 -56.7% 154 153 0.7% 170 757 -77.5%5 260 603 -56.9% 165 164 0.6% 243 1,087 -77.6%

TAXICABS and LIMOUSINES

Proposed

CurrentLimo/Taxi % Change Proposed


CurrentLimo/Taxi % Change

1 $1,190 679/1132 75.3/5.1% $489 282/469 73.4/4.3% $881 507/845 74.0/4.3%3 772 440/734 75.5/5.2% 294 169/282 74.0/4.3% 755 435/724 74.0/4.3%4 698 398/664 75.4/5.1% 267 154/256 73.4/4.3% 724 417/694 74.0/4.3%5 750 428/713 75.2/5.2% 286 164/274 74.4/4.4% 1039 597/996 74.0/4.3%


Proposed Current* % Change Proposed Current* % Change Proposed Current* % Change

1 $265 382 -30.6% $206 297 -30.6% $271 369 -26.6%3 172 248 -30.6% 124 178 -30.3% 232 316 -26.6%4 156 224 -30.4% 113 163 -30.7% 223 303 -26.4%5 167 241 -30.7% 121 174 -30.5% 320 435 -26.4%

OTHER BUSES

Proposed Current** % Change Proposed Current** % Change Proposed Current** % Change

1 $1,137 1,909 -40.4% $553 446 24.0% $823 1,843 -55.3%3 737 1,238 -40.5% 331 267 24.0% 705 1,579 -55.4%4 668 1,122 -40.5% 303 244 24.2% 675 1,513 -55.4%5 718 1,205 -40.4% 324 261 24.1% 970 2,173 -55.4%

* Current 0‐30 passenger rate** Current 0‐12 passenger rate*** Subject to the minimum of 1.40 multiplied by the commercial auto nonfleet base rates

PD Liability PIP


Territory

Territory Residual BI Liability PD Liability

Residual BI Liability PIPPD Liability

PIP

PD Liability PIP

PD Liability PIP

Territory

Territory

Territory Residual BI Liability

Residual BI Liability


PD Liability PIPTerritory

FleetNonfleet

PD Liability PIP Residual BI LiabilityResidual BI Liability

Pro-posed Current

% Change Proposed Current


% Change

Pro-posed Current

%Change

Pro-posed Current

% Change

Proposed Current

%Change

$62 62 0% 95 95 0% $37 37 0% $31 31 0% 47 47 0% $19 19 0%

Pro-posed Current



% Change

Pro-posed Current

%Change

Pro-posed Current

% Change

Pro-posed Current

%Change

117 117 0% 220 220 0% 88 88 0% 58 58 0% 110 110 0% 44 44 0%

UNINSURED MOTORISTS Rate Per Auto $20,000/40,000 Limits

Stacked NonstackedPublic

UNDERINSURED MOTORISTS Rate Per Auto $20,000/40,000 Limits

PPT Public All Other PPT All Other

Public All OtherStacked Nonstacked

PPT Public All Other PPT

Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change$0-6,500 1 50 56 -10.7% 32 35 -8.6% 44 50 -12.0% 27 31 -12.9%

2,3 45 51 -11.8% 28 32 -12.5% 39 45 -13.3% 24 28 -14.3%4,5 40 45 -11.1% 25 28 -10.7% 35 40 -12.5% 22 25 -12.0%6 32 37 -13.5% 20 23 -13.0% 28 32 -12.5% 18 20 -10.0%

6,501-8,000 1 66 75 -12.0% 42 47 -10.6% 58 66 -12.1% 36 41 -12.2%2,3 59 68 -13.2% 38 42 -9.5% 52 59 -11.9% 32 37 -13.5%4,5 53 60 -11.7% 34 38 -10.5% 46 53 -13.2% 29 33 -12.1%6 43 49 -12.2% 27 31 -12.9% 38 43 -11.6% 23 27 -14.8%

8,001-9,000 1 80 91 -12.1% 51 57 -10.5% 70 80 -12.5% 44 50 -12.0%2,3 72 82 -12.2% 46 51 -9.8% 63 72 -12.5% 39 45 -13.3%4,5 64 73 -12.3% 41 45 -8.9% 56 64 -12.5% 35 40 -12.5%6 52 59 -11.9% 33 37 -10.8% 46 52 -11.5% 28 32 -12.5%

9,001-10,000 1 90 103 -12.6% 58 64 -9.4% 79 90 -12.2% 49 56 -12.5%2,3 81 92 -12.0% 52 58 -10.3% 72 81 -11.1% 44 51 -13.7%4,5 72 82 -12.2% 46 52 -11.5% 64 72 -11.1% 39 45 -13.3%6 59 67 -11.9% 37 42 -11.9% 52 59 -11.9% 32 37 -13.5%

10,001-11,250 1 102 116 -12.1% 65 72 -9.7% 89 102 -12.7% 55 63 -12.7%2,3 91 104 -12.5% 58 65 -10.8% 80 91 -12.1% 50 57 -12.3%4,5 81 92 -12.0% 52 58 -10.3% 71 81 -12.3% 44 51 -13.7%6 66 75 -12.0% 42 47 -10.6% 58 66 -12.1% 36 41 -12.2%

11,251-12,500 1 113 128 -11.7% 72 80 -10.0% 99 113 -12.4% 62 70 -11.4%2,3 102 115 -11.3% 65 72 -9.7% 89 102 -12.7% 55 63 -12.7%4,5 90 103 -12.6% 57 64 -10.9% 79 90 -12.2% 49 56 -12.5%6 73 83 -12.0% 47 52 -9.6% 64 73 -12.3% 40 46 -13.0%

12,501-13,750 1 123 140 -12.1% 79 88 -10.2% 108 123 -12.2% 67 77 -13.0%2,3 111 126 -11.9% 71 79 -10.1% 98 111 -11.7% 61 69 -11.6%4,5 99 112 -11.6% 63 70 -10.0% 87 99 -12.1% 54 61 -11.5%6 80 91 -12.1% 51 57 -10.5% 70 80 -12.5% 44 50 -12.0%

13,751-15,000 1 135 153 -11.8% 86 96 -10.4% 118 135 -12.6% 73 84 -13.1%2,3 121 138 -12.3% 77 86 -10.5% 106 121 -12.4% 66 75 -12.0%4,5 108 122 -11.5% 69 77 -10.4% 95 108 -12.0% 59 67 -11.9%6 88 99 -11.1% 56 62 -9.7% 77 88 -12.5% 48 54 -11.1%

15,001-16,250 1 147 167 -12.0% 94 105 -10.5% 129 147 -12.2% 80 91 -12.1%2,3 132 151 -12.6% 84 94 -10.6% 116 132 -12.1% 72 82 -12.2%4,5 118 134 -11.9% 75 84 -10.7% 103 118 -12.7% 64 73 -12.3%6 96 109 -11.9% 61 68 -10.3% 84 96 -12.5% 52 59 -11.9%


5

$100 Deductible ComprehensiveTerritory

Original Cost New Age Group 1 3 4

Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change


5



16,251-17,500 1 161 183 -12.0% 102 115 -11.3% 142 161 -11.8% 88 100 -12.0%2,3 145 165 -12.1% 92 103 -10.7% 127 145 -12.4% 79 90 -12.2%4,5 129 146 -11.6% 82 92 -10.9% 113 129 -12.4% 70 80 -12.5%6 105 119 -11.8% 67 75 -10.7% 92 105 -12.4% 57 65 -12.3%

17,501-18,750 1 177 201 -11.9% 113 126 -10.3% 155 177 -12.4% 96 110 -12.7%2,3 159 181 -12.2% 101 113 -10.6% 140 159 -11.9% 87 99 -12.1%4,5 142 161 -11.8% 90 101 -10.9% 124 142 -12.7% 77 88 -12.5%6 115 131 -12.2% 73 82 -11.0% 101 115 -12.2% 63 71 -11.3%

18,751-20,000 1 $192 218 -11.9% 122 137 -10.9% $169 192 -12.0% $105 119 -11.8%2,3 173 196 -11.7% 110 123 -10.6% 152 173 -12.1% 94 107 -12.1%4,5 154 175 -12.0% 98 109 -10.1% 135 154 -12.3% 84 95 -11.6%6 125 142 -12.0% 79 89 -11.2% 110 125 -12.0% 68 78 -12.8%

20,001-22,000 1 210 239 -12.1% 134 149 -10.1% 184 210 -12.4% 114 130 -12.3%2,3 189 215 -12.1% 120 135 -11.1% 166 189 -12.2% 103 117 -12.0%4,5 168 191 -12.0% 107 120 -10.8% 148 168 -11.9% 92 104 -11.5%6 136 155 -12.3% 87 97 -10.3% 120 136 -11.8% 74 85 -12.9%

22,001-24,000 1 232 263 -11.8% 147 165 -10.9% 204 232 -12.1% 126 144 -12.5%2,3 208 237 -12.2% 133 148 -10.1% 183 208 -12.0% 114 130 -12.3%4,5 185 211 -12.3% 118 132 -10.6% 163 185 -11.9% 101 115 -12.2%6 151 171 -11.7% 96 107 -10.3% 132 151 -12.6% 82 94 -12.8%

24,001-26,000 1 252 287 -12.2% 160 180 -11.1% 222 252 -11.9% 138 157 -12.1%2,3 227 258 -12.0% 144 162 -11.1% 199 227 -12.3% 124 141 -12.1%4,5 202 229 -11.8% 128 144 -11.1% 177 202 -12.4% 110 125 -12.0%6 164 186 -11.8% 104 117 -11.1% 144 164 -12.2% 89 102 -12.7%

26,001-28,000 1 272 309 -12.0% 173 194 -10.8% 239 272 -12.1% 148 169 -12.4%2,3 245 278 -11.9% 156 174 -10.3% 215 245 -12.2% 133 152 -12.5%4,5 218 247 -11.7% 138 155 -11.0% 191 218 -12.4% 119 135 -11.9%6 177 201 -11.9% 112 126 -11.1% 155 177 -12.4% 96 110 -12.7%

28,001-30,000 1 291 331 -12.1% 185 207 -10.6% 256 291 -12.0% 159 181 -12.2%2,3 262 298 -12.1% 167 187 -10.7% 230 262 -12.2% 143 163 -12.3%4,5 233 265 -12.1% 148 166 -10.8% 205 233 -12.0% 127 145 -12.4%6 189 215 -12.1% 120 135 -11.1% 166 189 -12.2% 103 118 -12.7%

30,001-33,000 1 315 358 -12.0% 200 224 -10.7% 277 315 -12.1% 172 196 -12.2%2,3 283 322 -12.1% 180 202 -10.9% 249 283 -12.0% 155 176 -11.9%4,5 252 286 -11.9% 160 179 -10.6% 221 252 -12.3% 137 156 -12.2%6 205 233 -12.0% 130 146 -11.0% 180 205 -12.2% 112 127 -11.8%



5



33,001-36,000 1 343 * * 218 * * 301 * * 187 * *2,3 308 * * 196 * * 271 * * 168 * *4,5 274 * * 174 * * 241 * * 149 * *6 223 * * 142 * * 196 * * 121 * *

36,001-40,000 1 374 * * 238 * * 329 * * 204 * *2,3 337 * * 214 * * 296 * * 184 * *4,5 299 * * 191 * * 263 * * 163 * *6 243 * * 155 * * 214 * * 133 * *

40,001-45,000 1 414 * * 263 * * 364 * * 226 * *2,3 372 * * 237 * * 327 * * 203 * *4,5 331 * * 211 * * 291 * * 181 * *6 269 * * 171 * * 236 * * 147 * *

45,001-50,000 1 457 * * 291 * * 402 * * 249 * *2,3 412 * * 262 * * 362 * * 225 * *4,5 366 * * 233 * * 322 * * 200 * *6 297 * * 189 * * 261 * * 162 * *

50,001-60,000 1 $521 * * $332 * * $458 * * $284 * *2,3 469 * * 299 * * 412 * * 256 * *4,5 417 * * 265 * * 367 * * 228 * *6 339 * * 216 * * 298 * * 185 * *

60,001-70,000 1 605 * * 385 * * 532 * * 330 * *2,3 545 * * 347 * * 479 * * 297 * *4,5 484 * * 308 * * 425 * * 264 * *6 393 * * 250 * * 346 * * 215 * *

70,001-80,000 1 688 * * 438 * * 605 * * 375 * *2,3 620 * * 394 * * 544 * * 338 * *4,5 551 * * 350 * * 484 * * 300 * *6 447 * * 285 * * 393 * * 244 * *

* Current OCN does not exceed $33,000

Proposed Current




%Change

$0-6,500 1 320 361 -11.4% 326 369 -11.7% 313 354 -11.6% 389 439 -11.4%2,3 288 325 -11.4% 294 332 -11.4% 282 318 -11.3% 350 396 -11.6%4,5 256 289 -11.4% 261 295 -11.5% 250 283 -11.7% 311 352 -11.6%6 208 235 -11.5% 212 240 -11.7% 203 230 -11.7% 253 286 -11.5%

6,501-8,000 1 376 425 -11.5% 384 434 -11.5% 368 416 -11.5% 458 517 -11.4%2,3 338 383 -11.7% 346 391 -11.5% 331 374 -11.5% 412 465 -11.4%4,5 301 340 -11.5% 307 347 -11.5% 294 333 -11.7% 366 414 -11.6%6 244 276 -11.6% 250 282 -11.3% 239 270 -11.5% 298 336 -11.3%

8,001-9,000 1 410 463 -11.4% 419 473 -11.4% 401 453 -11.5% 499 564 -11.5%2,3 369 417 -11.5% 377 426 -11.5% 361 408 -11.5% 449 507 -11.4%4,5 328 371 -11.6% 335 378 -11.4% 321 363 -11.6% 399 451 -11.5%6 266 301 -11.6% 272 307 -11.4% 261 295 -11.5% 324 366 -11.5%

9,001-10,000 1 436 493 -11.6% 445 503 -11.5% 427 483 -11.6% 531 600 -11.5%2,3 393 444 -11.5% 401 453 -11.5% 384 434 -11.5% 478 540 -11.5%4,5 349 394 -11.4% 356 403 -11.7% 342 386 -11.4% 425 480 -11.5%6 284 320 -11.3% 290 327 -11.3% 277 314 -11.8% 345 390 -11.5%

10,001-11,250 1 459 519 -11.6% 468 529 -11.5% 449 508 -11.6% 559 631 -11.4%2,3 413 467 -11.6% 422 477 -11.5% 404 457 -11.6% 503 568 -11.4%4,5 367 415 -11.6% 375 424 -11.6% 359 406 -11.6% 447 505 -11.5%6 298 337 -11.6% 305 344 -11.3% 292 330 -11.5% 363 410 -11.5%

11,251-12,500 1 481 544 -11.6% 492 556 -11.5% 471 532 -11.5% 586 662 -11.5%2,3 433 490 -11.6% 442 500 -11.6% 424 479 -11.5% 528 596 -11.4%4,5 385 435 -11.5% 393 444 -11.5% 377 426 -11.5% 469 529 -11.3%6 313 354 -11.6% 319 361 -11.6% 306 346 -11.6% 381 430 -11.4%

12,501-13,750 1 508 574 -11.5% 518 586 -11.6% 497 562 -11.6% 618 698 -11.5%2,3 457 516 -11.4% 467 527 -11.4% 447 505 -11.5% 556 628 -11.5%4,5 406 459 -11.5% 415 469 -11.5% 397 449 -11.6% 495 558 -11.3%6 330 373 -11.5% 337 381 -11.5% 323 365 -11.5% 402 454 -11.5%

13,751-15,000 1 534 604 -11.6% 545 616 -11.5% 523 591 -11.5% 650 734 -11.4%2,3 481 543 -11.4% 491 555 -11.5% 470 532 -11.7% 585 661 -11.5%4,5 427 483 -11.6% 436 493 -11.6% 418 473 -11.6% 520 587 -11.4%6 347 392 -11.5% 354 401 -11.7% 340 384 -11.5% 423 477 -11.3%

15,001-16,250 1 560 633 -11.5% 572 647 -11.6% 548 620 -11.6% 682 770 -11.4%2,3 504 570 -11.6% 515 582 -11.5% 493 558 -11.6% 614 693 -11.4%4,5 448 507 -11.6% 458 517 -11.4% 439 496 -11.5% 546 616 -11.4%6 364 412 -11.7% 372 420 -11.4% 356 403 -11.7% 444 501 -11.4%


Territory$250 Deductible Collision

Original Cost New Age Group 1 3 4 5

Proposed Current




%Change




16,251-17,500 1 587 663 -11.5% 599 677 -11.5% 574 649 -11.6% 714 807 -11.5%2,3 528 597 -11.6% 539 609 -11.5% 517 584 -11.5% 643 726 -11.4%4,5 469 530 -11.5% 479 542 -11.6% 459 519 -11.6% 572 645 -11.3%6 381 431 -11.6% 389 440 -11.6% 373 422 -11.6% 464 524 -11.5%

17,501-18,750 1 617 697 -11.5% 630 712 -11.5% 604 682 -11.4% 751 848 -11.4%2,3 555 627 -11.5% 567 641 -11.5% 543 614 -11.6% 676 763 -11.4%4,5 493 558 -11.6% 504 569 -11.4% 483 546 -11.5% 601 678 -11.4%6 401 453 -11.5% 409 463 -11.7% 392 443 -11.5% 488 551 -11.4%

18,751-20,000 1 $647 731 -11.5% $660 746 -11.5% $633 716 -11.6% $788 889 -11.4%2,3 582 658 -11.6% 594 672 -11.6% 570 644 -11.5% 709 800 -11.4%4,5 517 585 -11.6% 528 597 -11.6% 506 572 -11.5% 630 711 -11.4%6 420 475 -11.6% 429 485 -11.5% 411 465 -11.6% 512 578 -11.4%

20,001-22,000 1 684 774 -11.6% 699 790 -11.5% 670 757 -11.5% 834 941 -11.4%2,3 616 696 -11.5% 629 711 -11.5% 603 681 -11.5% 750 847 -11.5%4,5 547 619 -11.6% 559 632 -11.6% 536 606 -11.6% 667 753 -11.4%6 445 503 -11.5% 454 513 -11.5% 435 492 -11.6% 542 612 -11.4%

22,001-24,000 1 729 825 -11.6% 745 842 -11.5% 714 807 -11.5% 889 1,003 -11.4%2,3 656 742 -11.6% 670 758 -11.6% 643 726 -11.4% 800 903 -11.4%4,5 584 660 -11.5% 596 674 -11.6% 571 646 -11.6% 711 802 -11.3%6 474 536 -11.6% 484 547 -11.5% 464 525 -11.6% 578 652 -11.3%

24,001-26,000 1 771 871 -11.5% 787 890 -11.6% 754 853 -11.6% 939 1,060 -11.4%2,3 694 784 -11.5% 708 801 -11.6% 679 768 -11.6% 845 954 -11.4%4,5 617 697 -11.5% 630 712 -11.5% 604 682 -11.4% 751 848 -11.4%6 501 566 -11.5% 512 578 -11.4% 490 554 -11.6% 610 689 -11.5%

26,001-28,000 1 812 918 -11.5% 829 937 -11.5% 795 899 -11.6% 989 1,117 -11.5%2,3 731 826 -11.5% 746 844 -11.6% 715 809 -11.6% 890 1,005 -11.4%4,5 650 734 -11.4% 664 750 -11.5% 636 719 -11.5% 791 893 -11.4%6 528 597 -11.6% 539 609 -11.5% 517 584 -11.5% 643 726 -11.4%

28,001-30,000 1 854 965 -11.5% 872 985 -11.5% 835 944 -11.5% 1,040 1,174 -11.4%2,3 768 868 -11.5% 785 887 -11.5% 752 850 -11.5% 936 1,056 -11.4%4,5 683 772 -11.5% 697 788 -11.5% 668 755 -11.5% 832 939 -11.4%6 555 627 -11.5% 567 640 -11.4% 543 614 -11.6% 676 763 -11.4%

30,001-33,000 1 902 1,020 -11.6% 922 1,042 -11.5% 883 998 -11.5% 1,099 1,241 -11.4%2,3 812 918 -11.5% 829 937 -11.5% 795 899 -11.6% 989 1,117 -11.5%4,5 722 816 -11.5% 737 833 -11.5% 707 799 -11.5% 879 993 -11.5%6 587 663 -11.5% 599 677 -11.5% 574 649 -11.6% 714 807 -11.5%

Proposed Current




%Change




33,001-36,000 1 951 * * 972 * * 931 * * 1,159 * *2,3 856 * * 874 * * 838 * * 1,043 * *4,5 761 * * 777 * * 745 * * 927 * *6 618 * * 631 * * 605 * * 753 * *

36,001-40,000 1 1,000 * * 1,021 * * 979 * * 1,218 * *2,3 900 * * 919 * * 881 * * 1,096 * *4,5 800 * * 817 * * 783 * * 975 * *6 650 * * 664 * * 636 * * 792 * *

40,001-45,000 1 1,060 * * 1,083 * * 1,038 * * 1,292 * *2,3 954 * * 975 * * 934 * * 1,162 * *4,5 848 * * 866 * * 830 * * 1,033 * *6 689 * * 704 * * 675 * * 840 * *

45,001-50,000 1 1,124 * * 1,148 * * 1,100 * * 1,369 * *2,3 1,012 * * 1,033 * * 990 * * 1,232 * *4,5 899 * * 919 * * 880 * * 1,096 * *6 731 * * 746 * * 715 * * 890 * *

50,001-60,000 1 $1,214 * * $1,240 * * $1,189 * * $1,479 * *2,3 1,093 * * 1,116 * * 1,070 * * 1,331 * *4,5 972 * * 992 * * 951 * * 1,183 * *6 789 * * 806 * * 773 * * 962 * *

60,001-70,000 1 1,331 * * 1,359 * * 1,303 * * 1,621 * *2,3 1,198 * * 1,223 * * 1,172 * * 1,459 * *4,5 1,065 * * 1,087 * * 1,042 * * 1,297 * *6 865 * * 884 * * 847 * * 1,054 * *

70,001-80,000 1 1,448 * * 1,478 * * 1,417 * * 1,763 * *2,3 1,303 * * 1,331 * * 1,275 * * 1,587 * *4,5 1,158 * * 1,183 * * 1,133 * * 1,411 * *6 941 * * 961 * * 921 * * 1,146 * *


Light Trucks

Proposed Current % Change Proposed Current % Change$0-3,000 1 $14 14 0.0% $75 83 -9.6%

2,3 13 13 0.0% 68 74 -8.1%4,5 11 11 0.0% 60 66 -9.1%6 9 9 0.0% 49 54 -9.3%

3,001-4,500 1 22 22 0.0% 120 132 -9.1%2,3 20 20 0.0% 108 119 -9.2%4,5 18 18 0.0% 96 106 -9.4%6 14 15 -6.7% 78 86 -9.3%

4,501-6,000 1 28 28 0.0% 150 165 -9.1%2,3 25 25 0.0% 135 149 -9.4%4,5 22 22 0.0% 120 132 -9.1%6 18 18 0.0% 98 107 -8.4%

6,001-8,000 1 38 38 0.0% 207 227 -8.8%2,3 34 34 0.0% 186 204 -8.8%4,5 30 30 0.0% 166 182 -8.8%6 25 25 0.0% 135 147 -8.2%

8,001-10,000 1 48 48 0.0% 263 289 -9.0%2,3 43 43 0.0% 236 260 -9.2%4,5 38 38 0.0% 210 231 -9.1%6 31 31 0.0% 171 188 -9.0%

10,001-15,000 1 64 64 0.0% 345 380 -9.2%2,3 58 58 0.0% 311 342 -9.1%4,5 51 52 -1.9% 276 304 -9.2%6 42 42 0.0% 224 247 -9.3%

Over 15,000 1 92 92 0.0% 435 479 -9.2%2,3 83 83 0.0% 392 431 -9.0%4,5 74 74 0.0% 348 383 -9.1%6 60 60 0.0% 283 311 -9.0%

Original Cost New Age Group $100 Deductible Comprehensive $250 Deductible Collision

Medium Trucks


2,3 12 12 0.0% 51 57 -10.5%4,5 11 11 0.0% 46 51 -9.8%6 9 9 0.0% 37 41 -9.8%

4,501-6,000 1 22 22 0.0% 104 115 -9.6%2,3 20 20 0.0% 94 104 -9.6%4,5 18 18 0.0% 83 92 -9.8%6 14 14 0.0% 68 75 -9.3%

6,001-8,000 1 30 30 0.0% 142 158 -10.1%2,3 27 27 0.0% 128 142 -9.9%4,5 24 24 0.0% 114 127 -10.2%6 19 19 0.0% 93 103 -9.7%

8,001-10000 1 37 37 0.0% 182 201 -9.5%2,3 34 34 0.0% 164 181 -9.4%4,5 30 30 0.0% 146 161 -9.3%6 24 24 0.0% 118 131 -9.9%

10,001-15,000 1 52 52 0.0% 244 270 -9.6%2,3 47 47 0.0% 220 243 -9.5%4,5 41 41 0.0% 196 216 -9.3%6 34 34 0.0% 159 176 -9.7%

15,001-20,000 1 66 66 0.0% 286 316 -9.5%2,3 59 59 0.0% 257 285 -9.8%4,5 53 53 0.0% 229 253 -9.5%6 43 43 0.0% 186 206 -9.7%

Over 20,000 1 88 88 0.0% 338 374 -9.6%2,3 79 79 0.0% 304 336 -9.5%4,5 70 70 0.0% 270 299 -9.7%6 57 57 0.0% 220 243 -9.5%

$100 Deductible Comprehensive $250 Deductible CollisionAge GroupOriginal Cost New

Heavy Trucks and Truck-Tractors

Proposed Current % Change Proposed Current % Change$0-8,000 1 $16 $16 0.0% $77 85 -9.4%

2,3 14 14 0.0% 69 76 -9.2%4,5 13 12 8.3% 61 68 -10.3%6 10 10 0.0% 50 55 -9.1%

8,001-10,000 1 25 24 4.2% 128 141 -9.2%2,3 22 22 0.0% 115 127 -9.4%4,5 20 19 5.3% 102 113 -9.7%6 16 16 0.0% 83 92 -9.8%

10,001-15,000 1 35 34 2.9% 170 187 -9.1%2,3 32 30 6.7% 153 168 -8.9%4,5 28 27 3.7% 136 149 -8.7%6 23 22 4.5% 111 121 -8.3%

15,001-20,000 1 49 48 2.1% 206 226 -8.8%2,3 44 43 2.3% 185 203 -8.9%4,5 39 38 2.6% 165 180 -8.3%6 32 31 3.2% 134 147 -8.8%

20,001-25,000 1 63 61 3.3% 228 250 -8.8%2,3 57 55 3.6% 205 225 -8.9%4,5 50 49 2.0% 182 200 -9.0%6 41 40 2.5% 148 163 -9.2%

25,001-40,000 1 91 89 2.2% 275 303 -9.2%2,3 82 80 2.5% 248 273 -9.2%4,5 73 71 2.8% 220 243 -9.5%6 59 58 1.7% 179 197 -9.1%

40,001-65,000 1 147 143 2.8% 384 423 -9.2%2,3 132 129 2.3% 346 381 -9.2%4,5 118 114 3.5% 307 338 -9.2%6 96 93 3.2% 250 275 -9.1%

Over 65,000 1 217 211 2.8% 481 529 -9.1%2,3 195 190 2.6% 433 476 -9.0%4,5 174 169 3.0% 385 423 -9.0%6 141 137 2.9% 313 344 -9.0%


Extra Heavy Trucks and Truck-Tractors


2,3 12 12 0.0% 59 64 -7.8%4,5 10 10 0.0% 52 57 -8.8%6 8 8 0.0% 42 46 -8.7%

8,001-10,000 1 20 20 0.0% 108 118 -8.5%2,3 18 18 0.0% 97 106 -8.5%4,5 16 16 0.0% 86 94 -8.5%6 13 13 0.0% 70 77 -9.1%

10,001-15,000 1 28 28 0.0% 142 156 -9.0%2,3 25 25 0.0% 128 141 -9.2%4,5 22 22 0.0% 114 125 -8.8%6 18 18 0.0% 92 102 -9.8%

15,001-20,000 1 40 40 0.0% 172 189 -9.0%2,3 36 36 0.0% 155 170 -8.8%4,5 32 32 0.0% 137 151 -9.3%6 26 26 0.0% 112 123 -8.9%

20,001-25,000 1 51 51 0.0% 190 209 -9.1%2,3 46 46 0.0% 171 189 -9.5%4,5 41 41 0.0% 152 168 -9.5%6 33 33 0.0% 124 136 -8.8%

25,001-40,000 1 74 74 0.0% 231 254 -9.1%2,3 67 67 0.0% 208 228 -8.8%4,5 59 59 0.0% 185 203 -8.9%6 48 48 0.0% 150 165 -9.1%

40,001-65,000 1 119 119 0.0% 322 354 -9.0%2,3 107 107 0.0% 290 319 -9.1%4,5 95 95 0.0% 258 283 -8.8%6 77 77 0.0% 210 230 -8.7%

Over 65,000 1 176 176 0.0% 403 443 -9.0%2,3 159 158 0.6% 363 398 -8.8%4,5 141 141 0.0% 323 354 -8.8%6 114 114 0.0% 262 288 -9.0%


All Trailers and Semitrailers

Proposed Current % Change Proposed Current % Change$0-1000 1 $18 18 0.0% $110 122 -9.8%

2,3 16 16 0.0% 99 109 -9.2%4,5 15 14 7.1% 88 97 -9.3%6 12 12 0.0% 71 79 -10.1%

1,001-2,000 1 37 36 2.8% 158 174 -9.2%2,3 33 32 3.1% 142 156 -9.0%4,5 29 29 0.0% 126 139 -9.4%6 24 23 4.3% 103 113 -8.8%

2,001-3,000 1 61 60 1.7% 268 295 -9.2%2,3 55 54 1.9% 241 266 -9.4%4,5 49 48 2.1% 214 236 -9.3%6 40 39 2.6% 174 192 -9.4%

3,001-4,500 1 85 84 1.2% 426 469 -9.2%2,3 77 76 1.3% 384 422 -9.0%4,5 68 67 1.5% 341 375 -9.1%6 56 55 1.8% 277 305 -9.2%

4,501-6,000 1 122 120 1.7% 632 695 -9.1%2,3 110 108 1.9% 569 626 -9.1%4,5 98 96 2.1% 506 556 -9.0%6 79 78 1.3% 411 452 -9.1%

6,001-8,000 1 165 162 1.9% 871 958 -9.1%2,3 148 146 1.4% 784 860 -8.8%4,5 132 130 1.5% 697 765 -8.9%6 107 105 1.9% 566 621 -8.9%

8,001-10,000 1 214 210 1.9% 1,136 1,251 -9.2%2,3 192 189 1.6% 1,023 1,126 -9.1%4,5 171 168 1.8% 909 1,001 -9.2%6 139 137 1.5% 739 813 -9.1%

10,001-20,000 1 348 342 1.8% 1,672 1,842 -9.2%2,3 313 308 1.6% 1,505 1,658 -9.2%4,5 278 274 1.5% 1,338 1,473 -9.2%6 226 222 1.8% 1,087 1,197 -9.2%

20,001-40,000 1 702 690 1.7% 2,463 2,711 -9.1%2,3 631 621 1.6% 2,217 2,439 -9.1%4,5 561 552 1.6% 1,970 2,168 -9.1%6 456 449 1.6% 1,601 1,762 -9.1%

Over 40,000 1 1,165 1,146 1.7% 3,409 3,753 -9.2%2,3 1,049 1,031 1.7% 3,068 3,378 -9.2%4,5 932 917 1.6% 2,727 3,002 -9.2%6 757 745 1.6% 2,216 2,439 -9.1%


Taxis, Limousines, and Van Pools

Proposed Current % Change Proposed Current % Change$0-3,000 1 $28 * * $96 * *

2,3 25 * * 86 * *4,5 22 * * 76 * *6 18 * * 62 * *

3,001-4,500 1 $44 * * $153 * *2,3 40 * * 138 * *4,5 35 * * 122 * *6 29 * * 99 * *

4,501-6,000 1 $56 * * $191 * *2,3 50 * * 172 * *4,5 45 * * 153 * *6 36 * * 124 * *

6,001-8,000 1 $76 * * $264 * *2,3 68 * * 237 * *4,5 61 * * 211 * *6 49 * * 171 * *

8,001-10,000 1 $96 * * $335 * *2,3 86 * * 301 * *4,5 77 * * 268 * *6 62 * * 217 * *

10,001-15,000 1 $128 * * $440 * *2,3 115 * * 396 * *4,5 102 * * 352 * *6 83 * * 286 * *

Over $15,000 1 $184 * * $554 * *2,3 166 * * 499 * *4,5 147 * * 443 * *6 120 * * 360 * *

* Taxis are currently rated using the PPT base rate multiplied by 2.00.

* Limosuines are currently rated using the PPT base rates which are based on territory.The proposed rating is one rate for all territories.

* Van pools are currently rated using the following procedure: Comp = 88 cents per $100; Coll = 2.00 X heavy truck base rates


All Buses

Proposed Current % Change Proposed Current *** % Change$0-3,000 1 $55 ** ** $94 85 10.6%

2,3 50 ** ** 85 76 11.8%4,5 44 ** ** 75 68 10.3%6 36 ** ** 61 55 10.9%

3,001-4,500 1 $87 ** ** $151 85 77.6%2,3 78 ** ** 136 76 78.9%4,5 70 ** ** 121 68 77.9%6 57 ** ** 98 55 78.2%

4,501-6,000 1 $110 ** ** $188 85 121.2%2,3 99 ** ** 170 76 123.7%4,5 88 ** ** 151 68 122.1%6 72 ** ** 122 55 121.8%

6,001-8,000 1 $150 ** ** $260 85 205.9%2,3 135 ** ** 234 76 207.9%4,5 120 ** ** 208 68 205.9%6 97 ** ** 169 55 207.3%

8,001-10,000 1 $188 ** ** $330 141 134.0%2,3 169 ** ** 297 127 133.9%4,5 151 ** ** 264 113 133.6%6 122 ** ** 214 92 132.6%

10,001-15,000 1 $252 ** ** $433 187 131.6%2,3 227 ** ** 390 168 132.1%4,5 202 ** ** 347 149 132.9%6 164 ** ** 282 121 133.1%

Over $15,000 1 $362 ** ** $546 226 141.6%2,3 326 ** ** 492 203 142.4%4,5 290 ** ** 437 180 142.8%6 235 ** ** 355 147 141.5%

*** Most of the bus rates work off of the heavy collision truck rates.** All Other Buses Comp = 88 cents per $100


** School Buses Comp = 44 cents per $100

ProposedRule Number Title % Change

3Certified Risks--Financial

Respon. Laws PP 1.10 1.50/ 1.25/ 1.05 36.4/13.6/-4.5%All Other 1.50/ 1.25/ 1.05 1.50/ 1.25/ 1.05 0.0%

57 Deductible Insurance

PPT % Change All Other % Chang PPT % ChangAll Other % Change

Full 1.300 of $50 Ded * 1.250 * 1.508 * 1.438 *

$50 1.160 of $100 Ded * 1.150 * 1.160 * 1.150 *

100 1.000 of $100 Ded * 1.000 * 1.000 * 1.000 *250 .900 of $100 Ded * 0.900 * 0.900 * 0.900 *500 .775 of $100 Ded * 0.775 * 0.775 * 0.775 *

1,000 .750 of $500 Ded * 0.750 * 0.581 * 0.581 *1,500 .620 of $500 Ded * 0.620 * 0.481 * 0.481 *2,000 .540 of $500 Ded * 0.540 * 0.419 * 0.419 *

Coll. Ded. PPT * All Other * PPT *All Other *

$50 1.250 of $100 Ded * 1.200 * 1.413 * 1.344 *

100 1.130 of $250 Ded * 1.120 * 1.130 * 1.120 *

250 1.000 of $250 Ded * 1.100 * 1.000 * 1.000 *500 .930 of $250 Ded * 0.930 * 0.930 * 0.930 *

1,000 .780 of $250 Ded * 0.780 * 0.780 * 0.780 *

1,500.820 of $1,000

Ded * 0.850 * 0.640 * 0.663 *

2,000.690 of $1,000

Ded * 0.690 * 0.538 * 0.538 *

* Factors changed due to changing to a consistent base deductible. No % ChangeCurrent Rate/Rating Factor

Proposed Rate/Rating Factor % Change

73 Trucks, Tractors, & Trailers ClassiAmusement

Devices None 1.600 NA-New Rating133 Ambulances BI, PD, & PIP 3.00 1.750 -41.7%

Comp/Coll 1.00/1.50 .40/.60 -60/-60%

Comp. Ded.

Proposed Rate/Rating Factor

Current Rate/Rating Factor




134 Driver Training Programs…Dual Controls BI, PD, & PIP 0.75 0.50 -33.3%No Dual ContBI, PD, & PIP 1.00 1.00 0.0%

Comp 1.00 0.85 -15.0%Coll Dual/No Dual

Cont 1.00 .50/1.00 -50.0/0.0%135 Fire Departments

PPT BI, PD, & PIP 1.00 0.80 -20.0%Comp/Coll 0.50 .40/.45 -20.0/-10.0%

Trailer BI, PD, & PIP 1.60 0.25 -84.4%Comp/Coll 1.00 0.35 -65.0%

All Other BI, PD, & PIP 1.60 0.90 -43.8%Comp/Coll 1.00 0.35 -65.0%

136 Funeral DirectorsLimo BI, PD, & PIP 1.00 0.70 -30.0%

Comp/Coll 0.70 0.60 -14.3%Hearse/Flower Car BI, PD, & PIP 1.00 0.55 -45.0%

Comp/Coll .50/.40 .50/.45 0.0/12.5%Combination Hearse and Ambulance BI & PIP 3.00 1.75 -41.7%

PD 2.00 1.75 -12.5%Comp/Coll .75/1.00 .40/.60 -46.7/-40%

All Other BI, PD, & PIP Reg Use Factor Reg Use Factor NAComp/Coll Reg Use Factor Reg Use Factor NA

137 Law Enforcement Agency AutosPPT BI, PD, & PIP 1.00 1.15 15.0%

Comp/Coll 1.00 .90/1.00 -10/0%All Other--stationed at HQ BI, PD, & PIP 1.60 1.40 -12.5%

Comp/Coll 1.50 0.90 -40.0%All Other--Not stationed at HQ BI, PD, & PIP 1.00 1.40 40.0%

Comp/Coll 1.50 0.90 -40.0%138 Leasing or Rental Concerns

Rented by Hour, Day, Week, or MonthPPT BI, PD, & PIP 2.50 3.50 40.0%

Comp/Coll 3.00 .509/1.389 -83.0/-53.7%Truck BI, PD, & PIP 4.00 2.50 -37.5%

Comp/Coll Reg Use Factor 4.30 NATractor BI, PD, & PIP 4.00 2.75 -31.3%

Comp/Coll Reg Use Factor 4.30 NATrailer BI, PD, & PIP 0.25 0.10 -60.0%

Comp/Coll 0.25 0.20 -20.0%




139 Mobile or FarmOperations Coverage ExcludedAir Compressors, etc. BI, PD, & PIP 1.00 1.00 0.0%

Comp/Coll 1.00 .600/.650 -40.0/-35.0%Cranes, Ditch Diggers, etc. BI, PD, & PIP 1.25 1.00 -20.0%

Comp/Coll 1.25 .600/.650 -52.0/-48.0Well Drilling Machinery BI, PD, & PIP 0.60 1.00 66.7%

Comp/Coll 0.60 .600/.650 0/8.3%Full Liability ProvidedBulldozers BI, PD, & PIP 1.25 1.00 -20.0%

Comp/Coll 1.25 .600/.650 -52.0/-48.0%Harvesting Combines BI, PD, & PIP 1.60 0.15 -90.6%

Comp/Coll 1.60 .450/.300 -71.9/-81.3%140 Motor Homes

Overall Length > 22 ft BI, PD, & PIP 1.60 0.75 -53.1%Comp/Coll 1.00 0.50 -50.0%

Overall Length <= 22 ft BI, PD, & PIP 1.25 0.60 -52.0%Comp/Coll 1.00 0.50 -50.0%

141 Antique Autos BI, PD, & PIP 0.25 0.14 -44.0%Comp $1.00/$100 of ins $.56/$100 of ins -$ .44Coll $1.15/$100 of ins $.49/$100 of ins -$ .66

Prop Current%

Change Prop Current%



Change

1.00 1.00 0% 2.70NA/2.00

PPT NA/35% 1.15 1.00 15% 3.10NA/2.00

PPT NA/55%Limousine 0.40 1.00 -60% 1.35 1.00 35% 0.45 1.00 -55% 1.55 1.00 0.55

School Buses and Church Buses Prop Current

%Change Prop Current



%Change

School Bus owned by Political Subdivision or School District 1.20 0.70 71% 0.50 0.50 0% 1.40 0.70 100% 0.55 0.50 0.10

Other School Bus 1.50 1.00 50% 0.50 0.50 0% 1.75 1.00 75% 0.55 0.50 0.10

Church Bus 1.00 1.00 0% 1.00

1.00/2.00Heavy Truck 0/-50% 1.15 1.00 15% 1.15

1.00/2.00 Heavy Truck 15/-42.5%

Other Buses Prop Current%




Change

Urban Bus 0.80 1.00 -20% 1.45 1.00/2.00 45/-27.5% 0.90 1.00 -10% 1.65 1.00/2.00 65/-17.5%

Airport Bus or Airport Limousine 0.70 0.50 40% 1.55

1.00/2.00 Heavy Truck 55/-22.5% 0.80 0.50 60% 1.80

1.00/2.00 Heavy Truck 80/-10%

Intercity Bus 1.05 1.00 5% 0.95 1.00/2.00 -5/-52.5% 1.20 1.00 20% 1.10 1.00/2.00 10/-45%Charter Bus 1.00 1.00 0% 1.55 1.00 55% 1.15 1.00 15% 1.80 1.00 0.80

Sightseeing Bus 0.75 1.00 -25% 0.90

1.00/2.00 Heavy Truck -10/-55% 0.85 1.00 -15% 1.05

1.00/2.00 Heavy Truck 5/-47.5%

Trans. of Athletes and Entertainers 0.45 NA NA 1.40 NA NA 0.50 NA NA 1.60 1.00/2.00 60/-20%

Social Service Auto Employee-Operated 0.55 1.00 -45% 1.20 1.00 20% 0.65 1.00 -35% 1.40 2.00 -0.30

Social Service Auto All Other 0.50 1.00 -50% 1.20 2.00 -40% 0.60 1.00 -40% 1.40 2.00 -0.30Public Auto NOC 0.55 NA NA 1.25 NA NA 0.65 NA NA 1.45 NA NA

PUBLIC AUTO PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS

LocalUp to 50 Miles

RBI, PD, & PIP Comp. & Coll. RBI, PD, & PIP Comp. & Coll.

Intermediate51 to 200 Miles


Radius


Seating Capacity

Van Pools Prop Current%




Change

Employer Furnished 1.00 1.00 0% 0.50 1.00 -50% 1.05 0.50 110% 0.45 1.00/2.00 -55/-77.5%All Other 1.10 1.00 10% 0.65 1.00 -35% 1.15 0.50 130% 0.55 1.00/2.00 -45/-72.5%

Seating Capacity

Van Pools Prop Current%




ChangeEmployer Furnished 1.10 0.50 120% 0.40 1.00/2.00 -60/-80% 1.50 0.50 200% 0.35 1.00/2.00 -65/-82.5%

All Other 1.35 0.50 170% 0.50 1.00/2.00 -50/-75% 1.75 0.50 250% 0.45 1.00/2.00 -55/-77.5%

PhD

BI, PD, & PIP PhD

1 to 8 9 to 20

21 to 60 Over 60

PhD

BI, PD, & PIP PhD

BI, PD, & PIP

BI, PD, & PIP


HAWAII

JOINT UNDERWRITING

PLAN MANUAL September 26, 2012 Draft (Strike through and underscored)




Distributed by

AIPSO


NOTES


i September 26, 2012 Draft


TABLE OF CONTENTS








SYMBOL FACTORS ........................................................................................................................................................ R–6



September 26, 2012 Draft ii








G–1






NOTES





















(Compared to Private Passenger Rule 15)

A. Owners Rating factor for the bodily injury, property damage, and basic personal injury protection The additional premium will be computed by applying the applicable surcharge in paragraph B to the premium for

the highest rated auto insured under the policy shall be increased by .10 for a risk on which a certificate of insurance is filed to comply with the requirements of an auto financial responsibility law. owned by the insured, modified in accordance with any applicable rating plan.

B. Nonowners

If the policy is written to insure a named operator or named nonowner, the additional premium shall be computed by applying the applicable surcharge in paragraph C to the premium for the policy.

C.B. Surcharges The following surcharges are applicable to PIP, BI, and PD premiums. The residual bodily injury and property damage liability and personal injury protection total policy premium for a risk on which a certificate of insurance is filed to comply with the requirements of an auto financial responsibility law will be increased by the following factor:

1. A 50% surcharge is applicable if the certificate is required for a conviction listed below. This sur-charge is to be applied for the period of time a certificate is required but in no event for a period in excess of three years following conviction. 1.50 if the certificate is required for a conviction listed below:

a. Driving a motor vehicle an auto while intoxi-cated


c. Homicide or assault arising out of the opera-tion of a motor vehicle an auto


a. Driving a motor vehicle an auto at an exces-sive rate of speed where an injury to person or damage to property actually results therefrom

b. Driving a motor vehicle an auto in a reckless manner where an injury to person or damage to property actually results therefrom

3. A 5% surcharge is applicable if the certificate is required 1.05 if the certificate is required for any other cause whatsoever


(Compared to Commercial Rule 7)

If a certificate of insurance is filed on a risk to comply with the requirements of an automobile financial responsibility law, the bodily injury, personal injury protection, and property damage premium, including all applicable surcharges, shall be increased in accordance with the provisions of this Rule. The additional premium for the risk shall be computed as follows:


GENERAL RULES



A. Owners

1. If an owner is required to file evidence of financial responsibility for owned automobiles and for the operation of automobiles which he does not own, the additional premium shall be computed by applying the applicable surcharge in paragraph B to the sum of the premium for the highest rated automobile owned by the insured and the total nonownership liability premium, modified in ac-cordance with any applicable rating plan.

2. In all other cases, the additional premium shall be computed by applying the applicable surcharge in paragraph B to the premium for the highest rated automobile owned by the insured, modified in accordance with any applicable rating plan.

B. Surcharges

The following surcharges are applicable to PIP, BI, and PD premiums.

A. The additional premium will be computed by applying the applicable surcharge in paragraph B to the premium for the highest rated auto owned by the insured, modified in accordance with any applicable rating plan.



a. Driving a motor vehicle an auto while intoxi-cated


c. Homicide or assault arising out of the opera-tion of a motor vehicle an auto


a. Driving a motor vehicle an auto at an exces-sive rate of speed where an injury to person or damage to property actually results therefrom

b. Driving a motor vehicle an auto in a reckless manner where an injury to person or damage to property actually results therefrom

3. A 5% surcharge is applicable if the certificate is required 1.05 if the certificate is required for any other cause whatsoever




The premium for each exposure shall will be rounded to the nearest whole dollar, separately for each coverage provided by the policy unless noted otherwise. A premium involving $.50 or more shall over will be rounded to the next higher whole dollar. This procedure shall apply applies to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company insurer, the return premium may will be carried to the next higher whole dollar.

Note: The phrase “each exposure” as used herein shall mean means each premium developed (after the application of all appropriate applicable adjust-ments) for (1) each auto, if written on a per car auto basis, and (2) for all other auto business.


The premium for each exposure shall will be rounded to the nearest whole dollar, separately for each coverage provided by the policy, unless noted otherwise.

A premium involving $.50 or more shall over will be rounded to the next higher whole dollar.

This procedure shall apply applies to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company insurer, the return premium may will be carried to the next higher whole dollar.

Note: The phrase “each exposure” as used herein shall mean means each premium developed (after the application of all applicable appropriate adjust-ments) for (1) each automobile if written on a per auto basis, and (2) for all other auto business.

Rule 5. MINIMUM POLICY PREMIUM RULE


A. The A minimum annual policy premium charge of is $50 per policy. shall be made for each policy, certificate, declaration or binder covering one or more of the following perils:

Comprehensive Collision Bodily Injury Liability Property Damage Liability Personal Injury Protection

B. The minimum policy premium charge applies regardless of the term of the policy and is not subject to reduction modification under any rating plan or other Manual rule provisions.

C. except In the event of cancellation or the issuance of a short term policy, pro rata of such annual the minimum premium charge shall be adjusted on a pro rata basis will be charged as the conditions require.


A. The minimum policy annual premium charge is $50 per policy, subject to no reduction, for each policy covering one or more of the following perils:

Comprehensive Fire Theft


GENERAL RULES



Combined Additional Coverage Collision Bodily Injury Liability Property Damage Liability Personal Injury Protection

(but not including uninsured motorists insurance) even though coverage against other perils be included in the policy.

B. The minimum policy premium shall be inclusive of additional charges imposed for additional hazards in connection with the perils named above. applies regardless of the term of the policy and is not subject to modification under any rating plan or other Manual rule provisions.

C. In the event of cancellation or the issuance of a short term policy, pro rata or short rate of such annual minimum premium shall will be charged as the conditions require.

This minimum premium shall apply to each policy, certificate, or declaration under a bordereau.





A. 12 Month Policies—Charge the annual premium rates or minimum premiums, whichever appliesy.

B. (Copied from Commercial Rule 2)Short Term Policies—If a policy is issued for a period of less than 12 months it will be written pro rata and the premium for the policy will be computed in accordance with the Pro Rata Table in the Cancellation Rule. Short term policies may be issued:





The premium to be charged for policy terms not exceeding 12 months shall will be as follows:


B. Short Term Policies—If a policy is issued for a period of less than 12 months it shall will be written pro rata and the premium for the policy shall will be computed in accordance with the Pro Rata Table in the Cancellation Rule. Short term policies may be issued:

1. When a policy is issued on a short term basis to replace an outstanding policy of a company in liquidation, provided the new policy is based upon

the rules and rates in effect at the time replacement is made and shall will be in effect for a period equal to the unexpired term of the outstanding policy.


Rule 7. CHANGES


A. All changes requiring premium adjustments shall will be computed pro rata.

B. If an auto or a form of coverage that was cancelled from a policy at the request of the insured is reinstated within 30 days, the premium shall will be the same as the amount that was returned at the time of cancellation.





except that the actual return premium shall will be returned at the request of the insured.









except that the actual return premium shall will be returned at the request of the insured.

4. If the limits of liability are increased because of a change in the limits prescribed under any financial responsibility law, the additional premium charge shall will be the actual difference in premium charges. If $5 or less, it may be charged or waived.

D. Endorsements—Midterm changes adding or replacing an auto shall will be made as follows:



a. For residual bodily injury, property damage liability and basic personal injury protection coverages, use the rules and rates in effect for the auto being replaced.



GENERAL RULES



E. (Moved from Current Private Passenger Rule 4.A.3)Classification Changes for Private Passenger Risks


EXCEPTIONS:

1. A policy shall will not be changed midterm to effect a change in the driving record subclassifications.

2. A policy shall will not be changed midterm solely due to a change in symbol assignment based on a review of loss experience.


A. All changes requiring premium adjustments of premium shall will be computed pro rata.

B. If an automobile or a form of coverage that was cancelled from a policy at the request of the insured is reinstated within 30 days, the premium shall will be the same as the amount that was returned at the time of cancellation.

C. Minimum Premiums

Adjustments of $5 or less:

1. If an outstanding policy is amended and results in a premium adjustment of less than $5 or less, such adjustment the amount:


b. it may be made subject to a minimum adjust-ment of $5.

except that the actual return premium of less than $5 shall will be allowed returned at the request of the insured.

2. A Minimum premium of $5 shall apply applies if an additional premium results because a coverage is added or the limits of liability are increased or a deductible is reduced at the request of the insured requests the following during the policy period:




3. Companies need not refund If a return premium of less than $5 if the insured requests the following: results because a coverage is cancelled, or limits of liability are reduced or deductible is increased at the request of the insured, no refund need be made




except at the request of the insured, in which case that the actual return premium shall will be allowed returned at the request of the insured.

4. If the limits of liability are increased because of a change in the limits prescribed under any financial responsibility law, the additional premium charge

shall will be the actual difference in premium charges. If less than $5 or less, it may be charged or waived.

D. Endorsements—Midterm changes adding or replacing an auto vehicle shall will be made as follows:

1. Endorsements adding a vehicle an auto to the policy shall will be made using the rules and rates in effect at the time the change is made.

2. Endorsements replacing one vehicle auto with another:

a. For residual bodily injury, property damage liability and basic personal injury protection and excess personal injury protection coverages, use the rules and rates in effect for the vehicle auto being replaced shall be used.

b. For physical damage coverages, use the rates in effect at the time the change is made shall be used..

E. (Moved from Current Private Passenger Rule 4.A.3) Classification Changes for Private Passenger Risks


EXCEPTIONS:

1. A policy shall will not be changed midterm to effect a change in the driving record subclassifications.

2. A policy shall will not be changed midterm solely due to a change in symbol assignment based on a review of loss experience.












GENERAL RULES



Example:

Cancellation Date, June 15, 2012 2012.455 Effective Date, March 2, 2012 2012.167

.288






B. If cancellation of the policy results in a return premium of less than $5, no refund need be made except at the request of the insured, in which case the actual return premium shall will be allowed.



e.g., March 7, 1996 June 15, 2012 is designated as 1996.181 2012.455.

2. In like manner, express the effective date of the policy by year and decimal part of a year and.

3. Subtract the numerical designation for the effective date from the numerical designation for the cancel-

lation date, 1 minus 2. The difference in the case of one year policies represents the percentage of the annual premium which is to be retained by the carrier company.

Example:

Cancellation Date, June 15, 2012 2012.455 Effective Date, March 2, 2012 2012.167

.288



EXAMPLES:

Cancellation date, September 22, 1996 1996.726 Effective date, July 6, 1996 1996.512

.214

Earned premium for one year policy term will therefore be .214 times the annual premium. Cancellation date, March 7, 1996 1996.181 Effective date, December 15, 1995 1995.956

.225

Earned premium for one year policy term will therefore be .225 times the annual premium.

Note: As it is not customary to charge for the extra day (February 29) which occurs one year in every four years, this table shall also be used for each such year.


GENERAL RULES



PRO RATA TABLE


Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 1 0.003 1 32 0.088 1 60 0.164 1 91 0.249 1 121 0.332 1 152 0.4162 2 0.005 2 33 0.090 2 61 0.167 2 92 0.252 2 122 0.334 2 153 0.4193 3 0.008 3 34 0.093 3 62 0.170 3 93 0.255 3 123 0.337 3 154 0.4224 4 0.011 4 35 0.096 4 63 0.173 4 94 0.258 4 124 0.340 4 155 0.4255 5 0.014 5 36 0.099 5 64 0.175 5 95 0.260 5 125 0.342 5 156 0.427

6 6 0.016 6 37 0.101 6 65 0.178 6 96 0.263 6 126 0.345 6 157 0.4307 7 0.019 7 38 0.104 7 66 0.181 7 97 0.266 7 127 0.348 7 158 0.4338 8 0.022 8 39 0.107 8 67 0.184 8 98 0.268 8 128 0.351 8 159 0.4369 9 0.025 9 40 0.110 9 68 0.186 9 99 0.271 9 129 0.353 9 160 0.43810 10 0.027 10 41 0.112 10 69 0.189 10 100 0.274 10 130 0.356 10 161 0.441

11 11 0.030 11 42 0.115 11 70 0.192 11 101 0.277 11 131 0.359 11 162 0.44412 12 0.033 12 43 0.118 12 71 0.195 12 102 0.279 12 132 0.362 12 163 0.44713 13 0.036 13 44 0.121 13 72 0.197 13 103 0.282 13 133 0.364 13 164 0.44914 14 0.038 14 45 0.123 14 73 0.200 14 104 0.285 14 134 0.367 14 165 0.45215 15 0.041 15 46 0.126 15 74 0.203 15 105 0.288 15 135 0.370 15 166 0.455

16 16 0.044 16 47 0.129 16 75 0.205 16 106 0.290 16 136 0.373 16 167 0.45817 17 0.047 17 48 0.132 17 76 0.208 17 107 0.293 17 137 0.375 17 168 0.46018 18 0.049 18 49 0.134 18 77 0.211 18 108 0.296 18 138 0.378 18 169 0.46319 19 0.052 19 50 0.137 19 78 0.214 19 109 0.299 19 139 0.381 19 170 0.46620 20 0.055 20 51 0.140 20 79 0.216 20 110 0.301 20 140 0.384 20 171 0.468

21 21 0.058 21 52 0.142 21 80 0.219 21 111 0.304 21 141 0.386 21 172 0.47122 22 0.060 22 53 0.145 22 81 0.222 22 112 0.307 22 142 0.389 22 173 0.47423 23 0.063 23 54 0.148 23 82 0.225 23 113 0.310 23 143 0.392 23 174 0.47724 24 0.066 24 55 0.151 24 83 0.227 24 114 0.312 24 144 0.395 24 175 0.47925 25 0.068 25 56 0.153 25 84 0.230 25 115 0.315 25 145 0.397 25 176 0.482

26 26 0.071 26 57 0.156 26 85 0.233 26 116 0.318 26 146 0.400 26 177 0.48527 27 0.074 27 58 0.159 27 86 0.236 27 117 0.321 27 147 0.403 27 178 0.48828 28 0.077 28 59 0.162 28 87 0.238 28 118 0.323 28 148 0.405 28 179 0.49029 29 0.079 29 88 0.241 29 119 0.326 29 149 0.408 29 180 0.49330 30 0.082 30 89 0.244 30 120 0.329 30 150 0.411 30 181 0.49631 31 0.085 31 90 0.247 31 151 0.414


Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 182 0.499 1 213 0.584 1 244 0.668 1 274 0.751 1 305 0.836 1 335 0.918 2 183 0.501 2 214 0.586 2 245 0.671 2 275 0.753 2 306 0.838 2 336 0.921 3 184 0.504 3 215 0.589 3 246 0.674 3 276 0.756 3 307 0.841 3 337 0.923 4 185 0.507 4 216 0.592 4 247 0.677 4 277 0.759 4 308 0.844 4 338 0.926 5 186 0.510 5 217 0.595 5 248 0.679 5 278 0.762 5 309 0.847 5 339 0.929 6 187 0.512 6 218 0.597 6 249 0.682 6 279 0.764 6 310 0.849 6 340 0.9327 188 0.515 7 219 0.600 7 250 0.685 7 280 0.767 7 311 0.852 7 341 0.9348 189 0.518 8 220 0.603 8 251 0.688 8 281 0.770 8 312 0.855 8 342 0.9379 190 0.521 9 221 0.605 9 252 0.690 9 282 0.773 9 313 0.858 9 343 0.94010 191 0.523 10 222 0.608 10 253 0.693 10 283 0.775 10 314 0.860 10 344 0.942 11 192 0.526 11 223 0.611 11 254 0.696 11 284 0.778 11 315 0.863 11 345 0.94512 193 0.529 12 224 0.614 12 255 0.699 12 285 0.781 12 316 0.866 12 346 0.94813 194 0.532 13 225 0.616 13 256 0.701 13 286 0.784 13 317 0.868 13 347 0.95114 195 0.534 14 226 0.619 14 257 0.704 14 287 0.786 14 318 0.871 14 348 0.95315 196 0.537 15 227 0.622 15 258 0.707 15 288 0.789 15 319 0.874 15 349 0.956 16 197 0.540 16 228 0.625 16 259 0.710 16 289 0.792 16 320 0.877 16 350 0.95917 198 0.542 17 229 0.627 17 260 0.712 17 290 0.795 17 321 0.879 17 351 0.96218 199 0.545 18 230 0.630 18 261 0.715 18 291 0.797 18 322 0.882 18 352 0.96419 200 0.548 19 231 0.633 19 262 0.718 19 292 0.800 19 323 0.885 19 353 0.96720 201 0.551 20 232 0.636 20 263 0.721 20 293 0.803 20 324 0.888 20 354 0.970 21 202 0.553 21 233 0.638 21 264 0.723 21 294 0.805 21 325 0.890 21 355 0.97322 203 0.556 22 234 0.641 22 265 0.726 22 295 0.808 22 326 0.893 22 356 0.97523 204 0.559 23 235 0.644 23 266 0.729 23 296 0.811 23 327 0.896 23 357 0.97824 205 0.562 24 236 0.647 24 267 0.732 24 297 0.814 24 328 0.899 24 358 0.98125 206 0.564 25 237 0.649 25 268 0.734 25 298 0.816 25 329 0.901 25 359 0.984

26 207 0.567 26 238 0.652 26 269 0.737 26 299 0.819 26 330 0.904 26 360 0.98627 208 0.570 27 239 0.655 27 270 0.740 27 300 0.822 27 331 0.907 27 361 0.98928 209 0.573 28 240 0.658 28 271 0.742 28 301 0.825 28 332 0.910 28 362 0.99229 210 0.575 29 241 0.660 29 272 0.745 29 302 0.827 29 333 0.912 29 363 0.99530 211 0.578 30 242 0.663 30 273 0.748 30 303 0.830 30 334 0.915 30 364 0.99731 212 0.581 31 243 0.666 31 304 0.833 31 365 1.000



GENERAL RULES




Rule 19. RATE, TERRITORY TERRITORIES


A. The rate schedules show rates by territory. All stated amount rates are rates per $100 of insurance unless otherwise noted.


B. Territories

TERRITORY DEFINITIONS HAWAII (State Code 52) Territorial Schedule and Code


Hawaii) ............................................................................ 05


Oahu) .............................................................................. 01






(Compared to Commercial Page T-1)




Hawaii) ............................................................................ 05


Oahu) .............................................................................. 01







GENERAL RULES



P–1






NOTES







1. A private passenger auto is a four wheel motor vehicle, other than a truck type, owned or leased under contract for a continuous period of not less than one year, and

not used as a public or livery conveyance for passengers.

not rented to others.nonfleet auto of the private passenger, station wagon, or jeep type owned or leased for a continuous period of one year or more by





2. A motor vehicle that is a pickup or a van with a gross vehicle weight of 10,000 pounds or less owned or leased for a continuous period of one year or more will shall be considered a private passenger auto, if it

a. Is owned by an individual, or by a husband and wife who are residents of the same household, or by parties who have entered into a civil union under Hawaii law who are resi-dents of the same household, and

b. has a gross vehicle weight of less than 10,000 lbs; and

is not used for delivery or transportation of goods or and materials, unless such use is (1) incidental to the insured’s business of in-stalling, maintaining, or repairing occupation as a craftsman, farmer, installer, or repairer of furnishings or equipment.or (2)for farming or ranching.

3. A pickup or van used in the business of the United States Government, by an employee of the Gov-ernment, shall will be considered a private passen-ger auto only if

a. it meets the conditions in paragraphs a, b, and c 2.a and 2.b above; and


4. A motor vehicle An auto owned by a farm family copartnership, or farm family corporation, shall will be considered a private passenger auto owned by two or more relatives who are residents of the same household if the auto

a. It is principally garaged on a farm or ranch, and

b. It otherwise meets the definition in 1 and 2 paragraphs A.1 and A.2 above.


“Auto” as used in this Manual refers to a private passenger auto or a vehicle considered as a private passenger auto.

“Liability” as used in this Manual refers only to bodily injury and property damage coverages.

“Comprehensive coverage” as used in this Manual refers to other than collision damage to a motor vehicle.

“Owned” as used in this Manual includes an auto leased under contract for a continuous term of not less than one year. If an auto lease contract requires the lessee to provide primary insurance for the lessor, attach the Additional Insured—Lessor endorsement.

“Resident relative” as used in this Manual may include reciprocal beneficiary as the term is defined in Act 383, SLH 1997 residing in the same household as the named insured, whether or not temporarily residing elsewhere.

B. Named Nonowner




D. Camper Bodies


E. Motor Homes



F. Antique Autos




PRIVATE PASSENGER



Rule 21. HJUP ELIGIBILITY

The JUP Joint Underwriting Plan shall will provide motor vehicle auto policies for the following class of persons, autos, and uses




b. within the 36 months prior to the date of the application has been convicted of operating an auto without motor vehicle auto insurance, or




a. two or more accidents involving bodily injury or death if there is one car auto in the household or an average of more than one such accident for all cars autos in the household, provided that a loss payment has been made or a loss reserve has been established for such acci-dents, or

b. two or more accidents involving damage to any property, including his or her own, of $1,000 or more if there is one car auto in the household, or an average of more than one such accident for all cars autos in the house-hold, provided that loss payments or reserves under the comprehensive physical damage coverage shall will not be counted, or

c. a combination of two or more such accidents of the type specified in paragraph a or b 2.a or 2.b above.

Accidents under paragraphs 2.a, 2.b, or 2.c shall will not be counted unless it can be clear-ly demonstrated that the applicant or other op-erator referred to therein was at fault. Acci-dents occurring under the following circum-stances would tend to demonstrate that such applicant or operator was not at fault:

(1) Which occurred while the auto owned or operated by the applicant or other person who usually drives the applicant's auto was lawfully parked (An auto rolling from a parked position shall not be considered as lawfully parked, but shall be considered as the operation of the last operator); or

(2) (Current Rule 2.A.2.c(5)) auto operated by the applicant or other operator resident

in the same household was damaged as a result of contact with a hit-and-run driver If the auto was struck by a hit-and-run driv-er, if the such accident was reported to the proper authority within 24 hours

(3) (Current Rule 2.A.2.c(2)) applicant or other operator residing in the same household, was reimbursed by, or on be-half of, a person responsible for the acci-dent or has judgment against such per-son; or The applicant or other person who usually drives the applicant's auto ob-tained a judgment against, or a settlement from or on behalf of, the owner or operator of another auto involved in such accident, if the judgment or settlement was obtained prior to the date of application or, in case of renewal, prior to the effective date of the renewal policy, and provided no judg-ment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usu-ally drives the applicant's auto, as a result of such accident

(4) operator of the other auto involved in such accident was convicted of a moving traffic violation and the named insured or other operator resident in the same household was not convicted of a moving traffic viola-tion in connection therewith; or If neither the applicant nor other person who usually drives the applicant's auto was convicted of a moving traffic violation, and the owner or operator of another auto involved was so convicted

(5) (Current Rule 5.C.5)accident results in If payment results under personal injury pro-tection or additional personal injury pro-tection and applicant and or other opera-tor residing in the same household is not at fault; nor

(6) Accidents involving damage by contact with animals or fowl; or


(8) (Current Rule 5.B.2, excep-tion)Accidents incurred by an operator demonstrated to be a named insured or principal operator of an auto insured un-der a separate policy

(9) (Current Rule 2.A.2.c(3))If the auto for the applicant or other operator resident in the same household was struck in the rear by another auto, and the applicant or op-erator has not been convicted of a moving traffic violation in connection with the ac-cident; or



PRIVATE PASSENGER



a. The state department of human services (DHS) shall will provide a certificate of eligibil-ity for JUP coverage to eligible drivers/owners who desire basic motor vehicle auto policy coverage under JUP, in accordance with sec-tion 16-23-72(a)(5) and 16-23-73. The driver shall will submit the certificate in person or by mail to the servicing carrier of his or her choice for a motor vehicle an auto policy. The certifi-cate shall will be accepted by the servicing carrier in accordance with section 16-23-73 and treated as if it were payment in full for the requested motor vehicle auto coverages. The serviceing carrier shall will promptly notify the director of human services of public assistance recipients which it insures.

b. An applicant shall will first exhaust all paid coverage under any motor vehicle auto policy then in force before becoming eligible for JUP coverage.

c. Upon termination of public assistance benefits, the DHS shall will:


(2) give written notice to the recipient that the recipient's JUP basic motor vehicle auto policy will terminate thirty days from the date of termination of public assistance benefits. This notice of cancellation shall will be considered as proper notification under the provisions of sections 431:10C-111 and 431:10C-112, HRS, and section 16-23-15, providing the recipient with thir-ty days notice of cancellation; and


4. All other autos, not classified under paragraphs A.1, A.2, and A.3 owned by licensed drivers who are unable to obtain motor vehicle auto policies and optional insurance through ordinary means shall will be rated as 431:10C-407(b)(1)(E), HRS, Eligible Insureds only.


A. (Current Rule 1.F)"Resident relative" as used in this Manual rule may include reciprocal beneficiary as the term is defined in Act 383, SLH 1997 residing in the same household as the named insured, whether or not temporarily residing elsewhere.

B. A Personal Auto Policy shall will be used to afford coverage to private passenger autos and motor vehicle autos considered as private passenger autos in Rule 1 20 if:


2. they are owned by an individual resident relative, or by a husband and wife who are residents in the same household, or by parties who have entered

into a civil union under Hawaii law who are resi-dents of the same household.

C. A Personal Auto Policy shall will be used to afford coverage to private passenger autos that are owned jointly by two or more:



if:



D. A Personal Auto Policy shall will be used to afford coverage to miscellaneous type autos subject to Chapter 431:10C, HRS, but not including motorcycles and motor scooters, if:

1. they are written on a specified vehicle auto basis.



E. A Personal Auto Policy shall will be used to afford coverage to a named individual who does not own an auto. The named nonowner coverage endorsement must be attached.

(Moved to Rule 28A)Personal Injury Protection Coverage

1. Every motor vehicle required to be registered in Hawaii and rated in accordance with this Manual shall be afforded basic personal injury protection coverage as prescribed in the Hawaii Motor Vehicle Insurance Law.



4. Refer to Rule 14 for personal injury protection coverage options.

F. Every motor vehicle auto required to be registered in Hawaii and rated in accordance with this Manual shall will be afforded the following minimum mandatory coverages: residual bodily injury liability, property damage liability, and personal injury protection. Except as provided by 431:10C-407(b)(3), HRS, uninsured motorists and underinsured motorists coverages shall will also be afforded unless rejected in writing. Refer to (Rule 14) the personal injury protection and optional benefits coverages rule for personal injury protection coverage and uninsured motorists and underinsured motorists coverage rule for uninsured and underinsured motorists coverage requirements.


PRIVATE PASSENGER



Rule 23. PREMIUM DETERMINATION DEVELOPMENT

The bodily injury liability, property damage liability, and basic personal injury protection coverage premium for Certified Public Assistance Insureds (CPAI) shall be the composite rate shown on the rate schedules.

Bodily injury liability and property damage liability and personal injury protection premiums are determined as follows:

A. Private Passenger Autos Refer to the Classification Rule (Rule 4) to determine the applicable classification, rating factor, and statistical code.

1. Refer to territory definitions to determine the territorial schedule code number for the location where the auto is principally garaged. Determine the rating territory to be used (Rule 19). For private passenger autos the territory in which the auto is principally garaged is the applicable territory, except in the case of autos used by salesmen or solicitors or others with similar duties requiring the operation of an auto in more than one rating territory. Such autos will be assigned to the territory determined by the place of principal garaging, if there is such a place; otherwise, the residential address of the operator will be used as a basis for determining the rating territory. If the residential address of the operator cannot be determined, the business address of the operator will be used.



C. Refer to the Eligibility Rule (Rule 2) to determine the applicable rate schedules.

D. Refer to the rate schedules to determine base rates for the desired coverage for the appropriate territory.

E. The premium for each coverage is determined by multiplying the base rate by the appropriate rating factor.

Classification plan rating factors are used in determin-ing the premiums for the following coverages: bodily injury liability and property damage liability and basic personal injury protection.

Classification plan rating factors are not applicable to any other coverages including uninsured motorists and underinsured motorists coverages.










d. (Current Rule 3.F) When a surcharge is applicable under the Certified Risk—Financial Responsibility Laws Rule, the surcharge is to be applied to the liability and personal injury protection premiums determined by the forego-ing provisions. If a certified risk—financial re-sponsibility filing (Rule 3) is required, the rates determined above are increased by the appro-priate factor.






c. (Current Rule 3.F) When a surcharge is applicable under the Certified Risk—Financial Responsibility Laws Rule, the surcharge is to be applied to the liability and personal injury protection premiums determined by the forego-ing provisions. If a certified risk—financial re-sponsibility filing (Rule 3) is required, the rates determined above are increased by the appro-priate factor.



Determine the rating territory to be used (Rule 20).





PRIVATE PASSENGER














6. Determine the appropriate class factor/primary factor from the Class Factors/Primary Rating Factor Table from the Private Passenger Auto Rate Chapter.

7. If a private passenger auto is not eligible for the Safe Driver Insurance Plan (SDIP) (Rule 5) or if additional charges for accidents and convictions (Rule 5) apply, then modify the class factor deter-mined above as outlined in Rule 5 to develop a combined rating factor.

For a private passenger auto not eligible for the safe driver insurance plan (Rule 26), add 0.20 to the class factor/primary factor otherwise applicable.



10. Multiply the combined rating factor by the rates developed in paragraph 6 5 and round to the nearest whole dollar.

11. If different deductibles (Rule 14 29) apply, multiply the rates determined above by the appropriate factor.


Refer to Rule 30.








Use 1A 1B 3



Refer to paragraph C below for definitions of terms used in this Rule.

A.Autos owned by an individual, or owned jointly by two or more relative or resident individuals are classified as follows:

1. Primary Classification

a. Classify the auto according to the use of the auto, and

b. Determine the applicable factor from the primary rating factor tables.

2. Secondary Classification

a. Refer to the Safe Driver Insurance Plan, to classify automobiles according to the provi-sions of the Plan.

b. Refer to the secondary rating factor table to determine the appropriate factor to be added to, or subtracted from the primary rating factor.

3. Classification Changes


EXCEPTIONS:

A policy shall not be changed midterm to effect a change in the driving record subclassifications.

A policy shall not be changed midterm solely due to a change in symbol assignment based on a review of loss experience.

B.For private passenger autos owned by corporations, copartnerships, or unincorporated associations, refer to the Commercial Automobile Manual.


PRIVATE PASSENGER



EXCEPTIONS

1. For corporations, copartnerships, or unincorporated associations owning less than five motor vehicles:

An owned private passenger auto principally furnished to a specified individual shall be classi-fied and rated as if owned by that individual, in accordance with Rule 4.A, provided that auto is not used for business purposes. This rule does not apply to autos which are eligible for rating as van pools in the Commercial Automobile Manual.

C. Definitions

Use Classifications

The terms used in the classification descriptions in this Rule mean the following:

1. “Business use” means that the use of the auto is required by or customarily involved in the duties of the applicant or any other person customarily operating the auto, in an his or her occupations, professions, or business, other than in going to or from the his or her principal place of occupation, profession, or business.

2. (Current Rule 4.C.1.d) “Driven to and or from work or school” means(Class Code 1B) that the auto is customarily used in the course of driving to or from work or school. The auto has no business use.


b. (Current Rule 4.C.1.e)An auto driven part way to or from work or school, such as to a railroad or bus depot, will be considered in the course of driving to or from work or school whether or not the auto is parked at the depot during the day shall be considered as driving to or from work or school.

c. (Current Rule 4.C.1.d(2))Personal use includ-ing An auto that is used for driving to or from work or school, more than two days per week or more than two weeks in any five week peri-od.

3. “Farm use auto” means the an auto is principally garaged on a farm or ranch that and it is not customarily used in going to or from work other than farming or ranching or driving to or from school and is not customarily used in any occupa-tion other than farming or ranching.

“Farm use auto” shall will be classified as pleasure use.

(From Current Rule 4.B.2)For farm family copartnerships or farm family corporations, an owned private passenger auto principally garaged on a farm or ranch shall will be classified and rated in accordance with Rule 4.A as pleasure use provided the auto is:

a. not experience rated, and

b. not used in any occupation other than farming or ranching, or


4. "Pleasure use" means(Class Code 1A):

a. No business use.


5. “Resident in the same household” includes an individual absent from the household while attend-ing a school, however, it does not include an individual in active military service with the armed forces of the United States of America unless such individual customarily operates the auto. means anyone residing in the same household, except

a. A person in active military service with the armed forces of the United States of America is not considered a resident in the applicant's household unless this person customarily op-erates the auto.

b. A person who is a resident student at a school, college, or educational institute away from the island of principal garaging of the automobile shall be considered a resident of the house-hold.

3.Pickups and Vans

a. Liability, personal injury protection, and physi-cal damage: Classify and rate as a private passenger auto. For nonsymbolled pickups, determine a symbol based on original cost new from the tables on page 1 of the Symbol and Identification Section.

b. When a pickup is used to transport a non-permanently attached camper body, or to transport a camper body or cover with no facili-ties for cooking and sleeping

(1) Add the cost of the camper body or cover to the cost of the pickup and determine a symbol from the tables on page 1 of the Symbol and Identification Section.

(2) Rate according to paragraph a.

c. When a pickup is used to transport a perma-nently attached camper body with facilities for cooking and sleeping, refer to the Miscellane-ous Types Rule (Rule 19).


A. Liability Increased Limits Rules

1. Basic limits mean $20,000/40,000 bodily injury, and $10,000 property damage.

2. The tables in paragraphs B and C contain the factors to be applied to basic limits rates to deter-mine the premium for other limits, subject to the following provision.


PRIVATE PASSENGER



B. Bodily Injury Liability Increased Limits Table


A. Split Limits

Table 1

Factor

RBI Limits

Private Passenger

Named Nonowner (Rule 1.D.1

CA Manual)

All Other Risks (Rule

1.D.1 CA Manual)

20/40 1.00

50/100 1.42 1.68 1.68 100/300 1.66 2.20 2.20 300/300* 1.83 3.00 3.00 300/600* 1.86 3.03 3.03

B. Property Damage Liability Increased Limits Table

Increased limits table applicable to $10,000 property damage liability rates

Table 1A

Factor

PD Limits

Private Passenger

Named Nonowner

(Rule 1.D.1 CA Manual)

All Other Risks (Rule

1.D.1 CA Manual)

$15,000 1.01 1.05 1.06 20,000 1.02 1.07 1.10 30,000 1.04 1.09 1.14 50,000* 1.08 1.11 1.17





A. Eligibility



2. Furnished to an individual by a corporation, partnership, or unincorporated association owning less than five motor vehicles autos and not used for business purposes.

3. Owned by a family partnership or family corporation, provided the vehicle auto is:




Exceptions:

The SDIP does not apply to an auto that is used in the business of driver training.

For a private passenger auto not eligible for the plan, add 0.20 to the class factor/primary rating factor otherwise applicable. Refer to Statistical Plan for codes.

B. Determination of Penalty Points Driving Record Points

1. (Moved to Rule 26.E)Convictions

Convictions shall include bail forfeiture, penal summons, bench warrants outstanding for failure to appear or a determination by a juvenile court authority, formally or informally, that an offense has been committed. (Deleted)Points shall be assigned for the following convictions during the experience period for motor vehicle violations of the applicant or any other current resident operator.

(Moved from Current Rule 5.F) Administration of SDIP

New Business

a. Initial information necessary to assign the proper driving record subclassification shall penalty points will be obtained from an applica-tion signed personally by the applicant.

b. The signature of the applicant on all applica-tions received from an agent, broker, or solici-tor shall must be certified by the agent, broker, or solicitor.

2. Renewal Business

Information necessary to assign proper renewal driving record subclassification shall penalty points will be determined from any one or combination of the following:




Refer to Exception Pages for primary and second-ary rating factors.

C. (Current Rule 5.C)Experience Period

The experience period shall be is the three years immediately preceding the date of application for assignment, and in the case of renewal, the three years immediately preceding the effective date of the renewal policy.

D. (Curent Rule 5.D)Driving Record Subclassification

The driving record subclassification shall be determined from the number of driving record points accumulated during the experience period. Assign penalty points for the following:


PRIVATE PASSENGER









NOTES:


2. (Moved from Current Rule 5.B.1)Convictions shall include bail forfeiture, penal summons, bench warrants outstanding for failure to appear or a determination by a juvenile court authority, formally or informally, that an offense has been committed.


1. Accidents




EXCEPTIONS: Points shall not be assigned under this subsection against the applicant for involvement in an accident Do not assign points for the following acci-dents:


2. (Current Rule 5.C, Exc. 1)Which occurred while the auto owned or operated by the appli-cant or other person who usually drives the applicant's auto was lawfully parked; nor

3. for involvement in an accident in which If the auto was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours; nor

4. for involvement in an accident as a result of which The applicant or other person who usu-ally drives the applicant's auto obtained a judgment against, or a settlement from or on behalf of, the owner or operator of another au-to involved in such accident, if the judgment or settlement was obtained prior to the date of application or, in case of renewal, prior to the effective date of the renewal policy, and pro-vided no judgment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usually drives the applicant's auto, as a result of such accident; nor

5. for involvement in an accident in connection with which If neither the applicant nor other person who usually drives the applicant's auto was convicted of a moving traffic violation, and the owner or operator of another auto involved was so convicted; nor

6. accident results in If payment results under personal injury protection or additional person-al injury protection and applicant or other op-erator residing in the same household is not at fault; nor

7. Accidents involving damage by contact with animals or fowl; nor


9. (From Current Rule 5.B.2)

Points shall be assigned for each accident that occurred during the experience period, involv-ing the applicant or any current resident opera-tor while operating an auto.

Two points shall be assigned for each auto ac-cident involving the applicant, or any operator of the auto currently resident in the same household, while operating any private pas-senger type auto (except that no points shall be assigned under the applicant's policy for accidents incurred by an operator demonstrat-ed to be a named insured or principal operator of an auto insured under a separate policy) re-sulting in:


b. damage to any property including his own in excess of $1,000.

10. (Rule 2.A.2.c(3)) auto for the applicant or other operator resident in the same household was struck in the rear by another auto, and the operator has not been convicted of a moving traffic violation in connection with the accident; or If the auto was struck in the rear by another auto and the applicant or operator has not been convicted of a moving violation in con-nection with the accident

2. Convictions



Eight points shall be assigned for each of the following convictions, including points assignable for the accident:


PRIVATE PASSENGER





8 b. revocation of




8 d. homicide or


8 e. Six points shall be

assigned for each of the following convictions, including points assignable for the accident: driving an auto at an excessive rate of speed where injury to person or damage to property results therefrom



6 g. Six points shall be

assigned for each of the following convictions:

driving an auto while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property does not result therefrom

6


h. revocation of privilege to drive auto upon refusal to submit to test where injury to person or damage to property does not result therefrom

6 i. Five points shall

be assigned for each of the following convictions: operating an auto during period of revocation or suspension of registration or license, not including points assignable for any accident that may result





5 l. the making of

false statements in the application for license or registration


applicant for license or registration, or procuring a license or registration through impersonation whether for himself, herself or another

5


PRIVATE PASSENGER




n. Four points shall be assigned for each of the following convictions: driving an auto in a reckless manner where injury to person or damage to property does not result therefrom

4 o. permitting an


4

Penalty

Points for First

Convic-tion


tion p. Three points shall

be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for driving an auto at an excessive rate of speed where injury to person or damage to property does not result therefrom

3 4 q. Three points shall

be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for operating an auto without motor vehicle auto insurance

3 4

Penalty

Points for First

Convic-tion


tion r. One point shall be

assigned for one conviction and two points shall be assigned for each additional conviction, in the case of convictions for a conviction of any moving traffic violation other than those set forth above, unless the conviction resulted from an accident for which points are assignable, in which case assign only the points for the accident shall be assigned

1 2

EXCEPTIONS: Convictions for the following shall not be regarded as moving traffic violations Do not assign points for the following violations:





(Current Rule 5.B.3)If a penalty point has been assigned for an accident or conviction and it is later determined that the accident or conviction falls under one of the exceptions in this Rule, the company shall refund to the insured the increased portion of the premium generated by the accident or conviction will be refunded.

H. Multicarauto Risk

Points applicable to risks of two, three, or four autos shall will be applied first to the auto with the highest total base premium and any points in excess of seven shall will be applied to the next auto with the highest rated total base premium or autos in succession.



PRIVATE PASSENGER



I. (Moved from Current page A-5)Penalty Point Values


Point Value Secondary

Rating Factor 1 .05 2 .10 3 .15 4 .50 5 .75 6 1.00

7+ or more 1.50


Rule 27. MISCELLANEOUS UNINSURED AND UNDERINSURED MOTORISTS COVERAGES


1. Owners—(Class Code—Refer to Statistical Plan)

This form of auto insurance shall will be afforded, on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle an auto registered or principally garaged in Hawaii.

EXCEPTIONS:





b. The written agreement to reject this coverage or select lower limits shall will only be required when the policy is first applied for or issued. The written agreement need not be required on any subsequent renewal or replacement policy.

The option to reject stacked uninsured motorists coverage shall will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

a. If the named insured does not reject stacked uninsured motorists coverage in writing, stacked coverage must apply to all vehicles autos insured under the policy.

b. If the named insured rejects the stacked uninsured motorists coverage option in writing, nonstacked coverage must apply to all vehi-cles autos insured under the policy.

The insurer shall will notify the named insured of this option only when the policy is first applied for or issued. No further offer is required on any subsequent renewal or replacement policy.

2. Rates

Refer to rate schedules of this Manual for $20,000/40,000 uninsured motorists coverage. Increased limits shall will be afforded by applying the increased limit factor, for residual bodily injury liability to the base rate for uninsured motorists coverage.


3. Nonowners

If a named nonowner policy is extended to afford uninsured motorists coverage, the rate for such extension of coverage shall will be the applicable uninsured motorists rate shown on the rate sched-ules for owners.


1. Owners—(Class Code—Refer to Statistical Plan)

This form of auto insurance shall will be afforded, on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle an auto registered or principally garaged in Hawaii.

EXCEPTIONS:






The option to reject stacked underinsured motorists coverage shall will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

(a) If the named insured does not reject stacked underinsured motorists coverage in writing, stacked coverage must apply to all vehicles autos insured under the policy.

(b) If the named insured rejects the stacked underinsured motorists coverage option in writ-ing, the nonstacked coverage must apply to all vehicles autos insured under the policy.



PRIVATE PASSENGER



2. Rates

Refer to rate schedules of this Manual for $20,000/40,000 underinsured motorists coverage. Increased limits shall will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorists coverage.


3. Nonowners

If a named nonowner policy is extended to afford underinsured motorists coverage, the rate for such extension of coverage shall will be the applicable underinsured motorists rate shown on the rate schedules for owners.


Rule 28. MISCELLANEOUS PERSONAL INJURY PROTECTION AND OPTIONAL BENEFITS COVERAGES

A. (Copied from Rule 2A.E)Personal Injury Protection Coverage

1. Every motor vehicle auto required to be registered in Hawaii and rated in accordance with this Manual shall will be afforded basic personal injury protec-tion coverage as prescribed in the Hawaii Motor Vehicle Insurance Law.



4. Refer to Rule 14 paragraph B for personal injury protection coverage options.



Every insurer issuing a motor vehicle an auto insurance policy to a named insured shall will make available to such named insured the following optional benefits additional coverage with every new and renewal policy:




1,000/6,000 1.96 1,500/9,000 2.84

2,000/12,000 3.63



Limit Factor

$ 25,000 1.00 50,000 2.00 75,000 3.00

100,000 4.00



Rule 29. MISCELLANEOUS COVERAGES DEDUCTIBLE INSURANCE

(Current Rule 14.C.1)Deductible Insurance

Deductible Liability Insurance—is not available for vehicles classified and rated in accordance with the rules of this Manual.

A. Comprehensive coverage shall will be afforded, at the option of the insured, with the following factors applicable to the $100 manual rates developed in the applicable rules for comprehensive:


100 1.000 250 0.900 500 0.775

1,000 0.581 1,500 0.481 2,000 0.419

B. Collision coverage shall will be afforded, at the option of the insured, with the following factors applicable to the $250 manual rates developed in the applicable rules for collision:


1,000 0.780 1,500 0.640 2,000 0.538

C. Personal Injury Protection Deductibles Coverage

Every insurer issuing a motor vehicle an auto insurance policy providing personal injury protection coverage to a named insured shall will make available to such named insured the option to purchase a medical expense benefits per accident deductible of $100, $300, $500, or $1,000, applicable to the named insured and family members. The same deductible shall will apply to all vehicles in autos on the policy.


PRIVATE PASSENGER




Deductible Factor

$100 0.050 300 0.100 500 0.150

1,000 0.200

Rule 30. NAMED NONOWNER POLICY

For Individuals Who Do Not Own an Auto



B. A named nonowner policy shall may be written to provide basic residual bodily injury liability and property damage liability coverages for any applicant. A DHS certificate shall will not be acceptable in lieu of payment for this policy.

C. Liability Coverage A policy may be written to cover a named individual and or spouse named individuals, if residents of the same household, with respect to for the operation by either or on behalf of either of nonowned automobiles or the presence of either or both in any such automobile, subject to the following provisions classification:

1. The residual bodily injury liability and property damage liability rate for named nonowner policies shall will be given the following classification:

N1 or N1-FR The automobiles are used by, but not owned by, the named in-sured.


2. Charge 50% of the premium* that would apply if such individual owned an auto.

* Subject to additional charges under Rule 5 of this Manual.

Multiply the appropriate base rate shown on the rate schedules that would apply if such individual owned an auto by .50.





D. Uninsured and Underinsured Motorists Insurance Coverage

Charge the uninsured motorists coverage rate displayed on the rate schedules for owners. Refer to Rule 27 for development of premium.

Rule 31. MOBILE HOMES RECREATIONAL TRAILERS AND CAMPER BODIES

A. (Current Commercial Rule 100.A)Recreational Trailers


1. Mobile home trailers equipped as living quarters (including cooking, dining, plumbing, or refrigera-tion facilities), other than recreational or camper types designed for use with a private passenger automobile, but including such vehicles when rated as part of a fleet.


3. Rates—Bodily injury, PIP, and property damage liability—.40 factor applicable to the commercial nonfleet base premiums.

Physical Damage—See mobile homes rates on rate sheets.

Note: All camper trailers shall be rated as Mobile Home Trailers.

B. Camper Bodies


1. Pickup trucks used solely in connection with and to transport a camper body or other similar living quarters.

Bodily Injury, PIP, and Property Damage Liability—(Class Code 7954)—1.25 factor applicable to the commercial nonfleet base premiums.

Physical Damage—Rate as a Motor Home.

2. Pickups used to transport a portable camper body or similar living quarters but also used for other purposes.

Bodily Injury, PIP, and Property Damage Liability—Rate according to the otherwise regular use of the pickup trucks.

Physical Damage—Rate (both pickup and camper body) according to the otherwise regular use of the pickup truck.


Policy Term—Policies covering mobile homes may be issued for a term not exceeding 12 months.

Trailers shall be insured under policies as a separate item of insurance and with separate premiums indicated


PRIVATE PASSENGER



therefor. If deductible form of coverage is written, the deductible shall be made to apply separately to each unit.

Fire, theft, and comprehensive coverages may be written on stated amount basis only.



Exceptions





D. Physical Damage






E. The applicable endorsement must be attached to the policy. Attach the Trailer/Camper Body Coverage (Maximum Limit Of Liability) Endorsement.

Rule 32. MOBILE MOTOR HOMES

A. (Current Commercial Rule 100.B)Motor Homes

Self-propelled automobiles equipped as living quarters (including cooking, dining, plumbing, or refrigeration facilities).

Bodily Injury, PIP, and Property Damage Liability.

1. Overall length not exceeding 22 feet (Class Code 7954)—1.25 factor applicable to the commercial nonfleet base premiums.

2. Overall length exceeding 22 feet (Class Code 7955)—1.60 factor applicable to the commercial nonfleet base premiums.















E. The applicable endorsement must be attached to the policy. Attach the Miscellaneous Type Vehicle and the Miscellaneous Type Vehicle Amendment (Motor Homes) Endorsements to the policy.

Rule 33. ANTIQUE AUTOMOBILES

A. (Current Commercial Rule 104)Antique Autos

An antique auto is a motor vehicle an auto of the private passenger type that is 25 or more years old and that is maintained primarily solely for use in exhibitions, club activities, parades, and other functions of public interest, and occasionally used for other purposes.

B. Residual Bodily Injury and Property Damage Liability and PIP Personal Injury Protection Coverages Only

(Class Code 9620)

Charge 25% of the rates shown on the rate sheets for Private Passenger Types, subject to a minimum of $12 bodily injury, $20,000/40,000 limit; $5 property damage, $10,000 limit; and $4 PIP, $10,000 limit.




D. Physical Damage Coverage Only

(Class Code 962)

These vehicles are to be insured on stated amount basis only. $100 deductible applies to the coverages of fire, theft, comprehensive, and collision.

Fire Rate—28 cents per $100 of insurance.

Theft Rate—28 cents per $100 of insurance.


PRIVATE PASSENGER




Comprehensive Rate—$1.00 $.56 per $100 of insurance.

Collision Rate—$1.15 $.49 per $100 of insurance.


E. Attach applicable the Coverage For Damage To Your Auto (Maximum Limit Of Liability) Endorsement.


Rule 19. MISCELLANEOUS TYPES

A. Liability and Personal Injury Protection

Miscellaneous type autos subject to Chapter 431:10C, HRS, but not including motorcycles and motorscooters, owned by an individual, by husband and wife who are residents of the same household, or by two or more resident relatives and is not customarily used in the occupation, profession, or business of the insured other than in the course of driving to and from work shall be classified and rated as a private passenger auto.

B. Physical Damage

1. Determine the stated amount value, including the value of any custom built additions.

2. Assign a symbol based on the stated amount using the tables in the Price/Symbol chart located in the S&I Manual corresponding to the model year of the auto. Refer to the Private Passenger Auto Rate Chapter to determine the base rates for the appropriate symbol and model year of the miscel-laneous type auto.

C. Trailers Designed for Use with Private Passenger Autos

LIABILITY AND PERSONAL INJURY PROTECTION

A Personal Auto Policy affording liability coverage and personal injury protection covers trailers designed for use with a private passenger auto, pickup, or van without additional premium charge and without specific description of the trailer.

EXCEPTIONS:

Coverage is not provided for a trailer

1. used for business purposes with other than a private passenger auto or owned pickup, or van, or

2. when no auto is owned by the insured.


PRIVATE PASSENGER




Coverage

Base Rate (Rate

Schedules And Rule

27)



Schedules)


(SDIP) (Rule 26)


(Rule 25)

Certified Risk

Factor (Rule 3)

PIP Deductible

Credit (Rule 29.C)

WholeDollar

Premium

RBI LIAB. X ( +

) X X NA =


NA =

UM NA NA X NA NA =

UIM NA NA X NA NA =

PIP X (

+

) X NA X – =

COMP.**

COLL.**

Total =









NOTES









Model Year Factor

Symbol Factor


Base Rates














$975


Non-CPAI Private Passenger Cars Autos

Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $614 $180 $297 $218 $150 $109 $75

03 587 145 349 218 150 109 75

04 407 124 212 218 150 109 75

05 607 157 340 218 150 109 75

431:10C-407(b)(1)(E) Eligible Insureds Only Private Passenger Cars Autos

Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $338 $180 $194 $218 $150 $109 $75

03 308 145 227 218 150 109 75

04 213 124 122 218 150 109 75

05 364 157 212 218 150 109 75

Territory


Benefit



Visit, 30 Visits

$25,000 Death

Benefit


01 $30 $64 $6 $1

03 35 75 6 1

04 21 46 6 1

05 34 73 6 1




01 $162 $516 03 65 460 04 92 448 05 75 574

(1) $20,000/40,000 Residual Bodily Injury (2) $10,000 Property Damage (3) $10,000 Personal Injury Protection (4) $20,000/40,000 Uninsured Motorists (5) $20,000/40,000 Underinsured Motorists * CPAI refers to Certified Public Assistance Insureds receiving a PIP policy at no cost.

Policy limits are $20,000/40,000 residual bodily injury liability, $10,000 property damage liability, and $10,000 per-sonal injury protection.





Class Relativities Factors/Primary Rating Factors

Class RBI PD PIP


Benefit


Death Benefit


1A 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

1B 1.100 1.100 1.100 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

3 1.500 1.500 1.500 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 (1) $20,000/40,000 Residual Bodily Injury

(2) $10,000 Property Damage

(3) $10,000 Personal Injury Protection

(4) $20,000/40,000 Uninsured Motorists

(5) $20,000/40,000 Underinsured Motorists

(1) $500 per Month Wage Loss Benefit

(2) Alternative Providers Services Coverage with maximum $75 per visit, 30 visits

(3) $25,000 Death Benefit

(4) $2,000 Funeral Benefit



1A 1.000 1.0001B 1.000 1.000 3 1.150 1.150

MODEL YEAR FACTORS


2013 1.10 1.10 2012 1.05 1.05 2011 1.00 1.00 2010 0.95 0.94 2009 0.90 0.88 2008 0.86 0.83 2007 0.81 0.76 2006 0.77 0.70 2005 0.74 0.66 2004 0.70 0.62 2003 0.66 0.58 2002 0.63 0.55 2001 0.60 0.51

1990—2000 0.57 0.48 1989 and Prior 1.00 1.00














1 0.75 0.85 2 1.00 1.00 3 1.21 1.09 4 1.37 1.16 5 1.54 1.22 6 1.71 1.28 7 1.87 1.35 8 2.04 1.42 10 2.23 1.49 11 2.44 1.56 12 2.68 1.64 13 2.91 1.72 14 3.18 1.82 15 3.51 1.94 16 3.82 2.05 17 4.12 2.16 18 4.41 2.27 19 4.77 2.40 20 5.19 2.53 21 5.67 2.66 22 6.27 2.82 23 6.93 2.99 24 7.90 3.23 25 9.17 3.54 26 10.43 3.85 27 * **





1 0.32 0.452 0.32 0.453 0.32 0.454 0.32 0.455 0.39 0.566 0.59 0.667 0.75 0.758 0.98 0.8510 1.22 0.9411 1.46 1.0412 1.74 1.1413 2.10 1.2614 2.51 1.4115 2.96 1.5816 3.47 1.7617 4.04 1.9118 4.69 2.0619 5.44 2.2520 6.34 2.4821 7.91 2.89





(Table Moved to Rule 26 SDIP) Safe Driver Insurance Plan

Secondary Rating Factor Table

Additional charges for points shall be made on the basis of the following:

Point Value for Additional Charges (To be added to the class relativity factor)

Penalty Points Point Value

1 0.05

2 0.10

3 0.15

4 0.50

5 0.75

6 1.00

7+ 1.50

Example:

Factor to apply to base rate for class 1B driver with 4 points for residual bodily injury coverage:

Class 1B relativity factor 1.10 Point charge for 4 points 0.50 Factor to apply to base rate 1.60

Private Passenger Cars HJUP 1998 Rates

Required Optional Additional Coverage Increased Limits Factors

(All of this information has been moved to the rating rules section)

RBI and UM/UIM

Limit Increased

Limits Factor

$20,000/40,000 1.000

50,000/100,000 1.420

100,000/300,000 1.660

300,000/300,000* 1.830

300,000/600,000* 1.860

Personal Injury Protection

Limit Increased

Limits Factor

$10,000 1.000





Property Damage Liability

Limit Increased

Limits Factor Subject to

$10,000 1.000

15,000 1.010 (minimum $1)

20,000 1.020 (minimum $2)

30,000 1.040 (minimum $3)

50,000* 1.080 (minimum $6)

Wage Loss Benefits

(Maximum per month/per person per accident)

Limit Increased

Limits Factor

$500/3,000 1.00

1,000/6,000 1.96

1,500/9,000 2.84

2,000/12,000 3.63

Death Benefits

Limit Increased

Limits Factor

$25,000 1.000

50,000 2.000

75,000 3.000

100,000 4.000

Funeral Benefits

Limit Increased

Limits Factor Subject to

$2,000+ 0.080 (minimum $1)

Required Optional Additional Coverage Deductible Factors


Deductible Credit Factor Credit Factor Applies to

$100 0.050 $10,000 base rate

300 0.100 $10,000 base rate

500 0.150 $10,000 base rate

1,000 0.200 $10,000 base rate

These factors are not applicable when deductible rates are displayed on the rate schedules.

Notes: * Where required by law + Funeral benefit relativity to $25,000 death benefit





C–1




C–2


NOTES






A. To determine the personal injury protection rate for risks of the commercial automobile or private passenger type covered by Worker’s Compensation, apply a factor of .60 to the otherwise applicable personal injury protection rate.

B. If the use of the automobile involves more than one classification under one or more sections of the manual, the highest rated classification shall apply.




























Rule 52. INCREASED LIMITS AND OTHER REQUIRED BENEFITS

NOTE 1: For private passenger autos, refer to the Private Passenger Chapter.


A. The rates shown on the rate sheets in this Manual are basic limits coverage of $20,000 per person/40,000 per accident aggregate residual bodily injury liability,





$10,000 per occurrence property damage liability, and $10,000 per person personal injury protection. See Rules 14 and 14A for uninsured motorist and underinsured motorist coverage.

A. Increased limits for residual bodily injury liability coverage shall be afforded with the following factors applicable to the basic rate for residual bodily injury liability coverage: The increased limits table below shows the factors to be applied to the $20,000/40,000 residual bodily injury liability and $10,000 property damage liability rates for increased limits:

Table 1

RBI Limits


Heavy Trucksand Truck-Tractors

$50,000per person/100,000per

occurrence 1.680 1.680 100,000per

person/300,000 per occurrence 2.200 2.200 300,000per

person/300,000 per occurrence * 3.000 3.000 300,000per

person/600,000 per occurrence * 3.030 3.030

* Note paragraph C.

Table 1

RBI Limits


Truck-Tractors

Private Passenger

Types All Other

Risks

$50,000 per person/100,000 per occurrence

1.680 1.680 1.680

100,000 per person/300,000 per occurrence

2.200 2.200 2.200

300,000 per person/300,000 per occurrence *

3.000 3.000 3.000

300,000 per person/600,000 per occurrence *

3.030 3.030 3.030


C. A bodily injury limit of $300,000 per person/$300,000 per occurrence and $300,000 per person/600,000 per occurrence shall only be afforded for those insureds required by law to carry such liability coverage.

D. Increased limits for property damage liability coverage shall be afforded with the following factors applicable to the basic rate for property damage liability coverage:

1. Private Passenger Types and Named Nonowner Policies

Table 1A PD

Limits Light and

Medium Trucks Heavy Trucks

and Truck-

Tractors

$15,000 1.06 1.06 20,000 1.10 1.10

30,000 1.14 1.14 50,000* 1.17 1.17

2. Other Than Private Passenger Types and Named Nonowner

Policies

Table 1A

PD Limits

Extra Heavy Trucks

and Truck-Tractors

Private Passenger

Types

All Other Risks

$15,000 1.06 1.05 1.06(minimum $1) 20,000 1.10 1.07 1.10(minimum $2) 30,000 1.14 1.09 1.14(minimum $3) 50,000* 1.17 1.11 1.17(minimum $5)




A. Applicable to all vehicles rated in accordance with the HJUP Commercial Automobile Manual, except taxicabs and vehicles of This Rule applies to all risks rated in the commercial chapters except the following



B. (From Current PP Rule 5.F)Determination of Additional Charges

1. New Business

a. Initial information necessary to assign the proper driving record subclassification shall apply additional charges will be obtained from an application signed personally by the appli-cant.

b. The signature of the applicant on all applica-tions received from an agent, broker, or solici-tor shall must be certified by the agent, broker, or solicitor.

2. Renewal Business

Information necessary to assign proper renewal driving record subclassification shall apply addi-tional charges will be determined from any one or combination of the following:




C. (Current Rule 47.G.11)Experience Period

The experience period is the three years For public livery automobile or taxicab risks, an additional charge shall be made on the basis of points accu-mulated during the 36 months immediately preced-ing the date of application for assignment, and in





the case of renewal, during the 36 months the three years immediately preceding the effective date of the renewal policy. Points shall be assigned for convictions of, and accidents involving, the applicant as an owner or operator, and for convic-tions of, and accidents involving, anyone who usually operates the motor vehicle.



(Current Rule 6.B.2) been convicted of any of the following violations: Each conviction involving the applicant, named insured, or any other person who usually operates the auto(s)





NOTES:


2. (Currently, last paragraph of Commercial Rule 6)The term “conviction” wherever used in this Manual shall be deemed to Convictions include a forfeiture of bail forfeiture, penal summons, bench warrants outstanding for failure to appear, or a determination by a juvenile court authority, formally or informally, that an offense has been committed.


1. Accidents


(Current Rule 47.G.11.i)Assign Two penalty points shall be assigned for each automobile accident involving the applicant, or anyone who usually operates the motor vehicle, while operating any motor vehicle resulting in:

bodily injury or death, or damage to any prop-erty including his own.

b. All Others

(Current Rule 6.B)Apply An additional charge factor of 1.35 for involvement of 35% shall be made if the applicant or anyone who usually drives the motor vehicle has during the 36 months immediately preceding the date of ap-plication, and in case of renewal, during the 36 months immediately preceding the effective date of the renewal policy:

been involved as an operator or an owner in more than one motor vehicle an auto accident resulting in injury to or death of any person or damage to property, provided that if the risk is subject to a debit of 35% or more under the HJUP Experience Rating Plans, such debit shall be deemed to include the additional charge of 35%, and if the debit is less than

35%, the additional charge of 35% shall be deemed to include the experience debit; or provided that if a risk is subject to a credit un-der the HJUP Experience Rating Plans, such credit shall be applied in addition to the addi-tional charge of 35%, or

EXCEPTIONS: Additional charges shall not be made under this subsection against the applicant for in-volvement in an accident Do not apply penalty points additional charges for the following acci-dents:


2. which occurred while the motor vehicle owned or operated by the applicant or other person who usually drives the applicant’s motor vehi-cle the auto was lawfully parked; nor

3. for involvement in an accident in which The motor vehicle auto was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours; nor

4. for involvement in an accident as a result of which The applicant or other person who usu-ally drives the applicant’s motor vehicle auto obtained a judgment against, or a settlement from or on behalf of, the owner or operator of another vehicle auto involved in such accident, if the judgment or settlement was obtained pri-or to the date of application or, in case of re-newal, prior to the effective date of the renewal policy, and provided no judgment was ob-tained against, nor any amount paid in settle-ment by or on behalf of, the applicant or other person who usually drives the applicant’s mo-tor vehicle auto, as a result of such accident; nor

5. for involvement in an accident in connection with which Neither the applicant nor other per-son who usually drives the applicant’s motor vehicle auto was convicted of a moving traffic violation, and the owner or operator of another vehicle auto involved was so convicted; nor

6. Accident results resulting in payment under personal injury protection or additional person-al injury protection and applicant or other op-erator residing in the same household is not at fault; nor

7. Accidents involving damage by contact with animals or fowl; nor

8. Accidents involving physical damage, limited to and caused by flying gravel, missiles, or fall-ing objects; nor

9. (Current PP Rule 2.A.2.c(3))If the auto was struck in the rear by another auto and the ap-plicant or other operator has not been convict-ed of a moving violation in connection with the accident





2. Convictions

a. Eight points shall be assigned for each of the following convictions, including points assign-able for the accident:Public Livery Autos or Taxicabs

Penalty Points for

Each Conviction

(1) Driving a motor vehicle an auto while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property results therefrom 8

(2) Revocation of privilege to drive motor vehicle auto upon refusal to submit to test where injury to person or damage to property results therefrom 8


(4) Homicide or assault arising out of the operation of a motor vehicle an auto 8 Six points shall be assigned for each of the following convictions, including points assignable for the accident:

(5) Driving a motor vehicle an

auto at an excessive rate of speed where injury to person or damage to property results therefrom 6

(6) Driving a motor vehicle an auto in a reckless manner where injury to person or damage to property results therefrom 6 Six points shall be assigned for each of the following convictions:

(7) Driving a motor vehicle an

auto while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property does not result therefrom 6

(8) Revocation of privilege to drive motor vehicle auto upon refusal to submit to test where injury to person or damage to property does not result therefrom 6

Penalty Points for

Each Conviction

Five points shall be assigned for each of the following convictions:

(9) Operating a motor vehicle

an auto during period of revocation or suspension of registration or license, not including points assignable for any accident that may result 5

(10) Operating a motor vehicle an auto without state or owner’s authority, not including points assignable for any accident that may result 5



(13) Impersonating an applicant for license or registration, or procuring a license or registration through impersonation whether for himself, herself, or another 5 Four points shall be assigned for each of the following convictions

(14) Driving a motor vehicle an auto in a reckless manner where injury to person or damage to property does not result therefrom 4


Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-

tion (16) Three points shall be

assigned in the case of one conviction, and four points shall be assigned for each additional conviction for Driving a motor vehicle an auto at an excessive rate of speed where injury to person or damage to property does not result therefrom 3 4





Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-

tion (17) Three points shall be

assigned in the case of one conviction, and four points shall be assigned for each additional conviction for Operating a motor vehicle an auto without motor vehicle auto insurance 3 4

(18) One point shall be assigned for one conviction and two points shall be assigned for each additional conviction, in the case of convictions for a Any moving traffic violation other than those set forth above, unless the conviction resulted from an accident for which points are assignable, in which case only the points for the accident shall be assigned. assign only the points for the accident 1 2

b. (Current Rule 6.B)All Others

Apply an additional charge factor of 35% 1.35 shall be made if the applicant or anyone who usually drives the motor vehicle has during the 36 months immediately preceding the date of application, and in case of renewal, during the 36 months immediately preceding the effective date of the renewal policy: operates the auto has been convicted of any of the following vio-lations:

(1) Driving a motor vehicle an auto while un-der the influence of intoxicating liquor or narcotic drugs

(2) Revocation of privilege to drive motor ve-hicle auto upon refusal to submit to test


(4) Homicide or assault arising out of the op-eration of a motor vehicle an auto

(5) Driving a motor vehicle an auto at an ex-cessive rate of speed where injury to per-son or damage to property results there-from

(6) Driving a motor vehicle an auto in a reck-less manner where injury to person or damage to property results therefrom

(7) Operating a motor vehicle an auto during period of revocation or suspension of reg-istration or license

(8) Operating a motor vehicle an auto without state or owner’s authority





(13) Operating a motor vehicle an auto without motor vehicle auto insurance

(14) been convicted more than once of any moving traffic offense (other than those listed in paragraph 2 above) A second or subsequent conviction of any other mov-ing traffic offense unless all such convic-tions arise out of a single incident or oc-currence, or

been involved as an operator or owner in a motor vehicle accident resulting in injury to or death of any person or damage to property and been convicted of any mov-ing traffic offense as specified in para-graph 3 above, unless the accident and violation constituted, or arose out of, a single incident or occurrence.

EXCEPTIONS: Convictions for the following shall will not be regarded as moving traffic violations:







1 penalty point 1.05% 2 penalty points 1.10% 3 penalty points 1.15% 4 penalty points 1.50% 5 penalty points 1.75% 6 penalty points 2.100% 7 penalty points 2.150%

H. Multiauto Risks






Points applicable to risks of two or more motor vehicles shall be applied Apply penalty points first to the highest rated motor vehicle auto, and any penalty points in excess of seven shall be applied to the next highest rated motor vehicle or motor vehicles auto or autos in succession.

(Current Rule 49G.11)Additional charges are applicable to fleets.

The “Note” ending this section (j), does not limit its application to four or less vehicles, but applies to two or more vehicles without limitation.

2. All Others

(Current Rule 6.B)The Apply additional charges shall be applied first to the vehicle which auto that will produce the higher dollar amount, and succes-sively to the next such vehicle auto on as many vehicles autos as there are persons subject to additional charges.

Rule 54. EXPERIENCE RATING PLAN

GENERAL RULES—LIABILITY


A. New Business

1. All applications for risks eligible for experience modification under this Plan must indicate under Remarks Section that such modifications shall will be applied to the risk.

2. Submissions

HJUP servicing carriers shall will promulgate and submit a copy of the completed experience modifi-cation form to the HJUP Bureau for any eligible risk.

3. Completed experience modification form(s) must be submitted to the HJUP Bureau within 120 days of the inception of a policy(s). If experience is not obtainable within this time period, the risk shall will not be experience rated until the inception date of the renewal on the basis of experience applicable to the renewal period.

B. Renewal Business

1. Definition

Any automobile policy renewed by the same servicing carrier without lapse in coverage.

2. Submissions

The servicing carrier shall will complete and submit to the HJUP Bureau on renewal date or within 15 days thereafter, a rating application form for each eligible renewal risk rated. In the case of automo-bile insurance where required by ordinance or governmental authority, the application shall will be submitted at least ten days prior to the date by which evidence of insurance must be filed with administrative authorities.



Experience modification promulgated for any risk shall will be available to any other servicing carrier upon request with the servicing carrier of that risk. Experience may not be obtained from the HJUP Bureau.



Each promulgated modification shall will be estab-lished for a term of one year and to be applicable to the Manual rates and minimum premiums for the insurance included in the rating of the risk.


In the event a risk involves two or more policies with different effective dates, with the same servic-ing carrier, the promulgated rate shall will apply to such policies for the effective period of the modifi-cation and throughout the full term of such policies expiring not more than three months after the established expiration date of the modification.

LIABILITY EXPERIENCE RATING PLAN

F. Eligibility

1. The experience modification determined hereunder will apply at policy inception or renewal. No mid-term adjustment in the experience modification is permitted.

2. The term “risk” as used in this Plan means the exposures of any one insured which that are to be rated.

Any risks meeting the following qualifications for residual bodily injury and property damage liability exposures will shall be subject to the application of rated under this Plan:

Five or more private passenger or commercial automobiles or three or more public automobiles except taxicabs, all under the same ownership and management, or the equivalent of such exposures for automobiles hired by the risk.



b. A financial interest in such risks is held by the same person, group of persons, corporation, or registered copartnership and the elements controlling accident frequency and accident severity are sufficiently common to anticipate reasonably a uniform experience.



Experience period shall will not be less than one year nor more than three years, commencing four years and





terminating one year prior to the date for which the experience modification is to be established. Completed policy periods only shall will be used. If part of the earliest policy period falls outside of the normal three-year maximum period, such earliest policy period shall will be retained in full, provided the entire experience period does not then exceed 3½ years, and shall will be rejected in full if its retention increases the experience period beyond 3½ years.

H. Experience Used

The experience modification shall will be determined from experience incurred by all companies licensed in this state and all states, for the forms of automobile liability insurance to be rated.

If the risk has been self-insured, the experience must be submitted to the servicing carrier in the form prescribed by the servicing carrier and signed by the insured. Experience in such form shall will be given credence in accordance with its apparent credibility.


1. For the determination of experience modifications, the term “basic limits” shall will mean the following limits of liability:


$20,000/40,000 residual bodily injury limits per person limit/$40,000 per accident aggregate for bodily injury and a $10,000 property damage limit.

Note: Personal injury protection (PIP) is not subject to experience rating modification.


The basic limits premium shall will be the collected premium for the experience period converted to a basic limits basis and adjusted to eliminate the effect of any experience or other rate modification applied and any discount allowed for a policy term of more than one year.


The losses to be included in the rating shall will be the total of the following:

a. Paid and outstanding losses (including allocat-ed claim expense) for each year in the experi-ence period, with the indemnity amount limited to basic limits, and with the amount of indemni-ty and allocated claim expense resulting from any single occurrence limited by the maximum single loss (MSL) value specified in the Credi-bility and Maximum Single Loss Table B, based on the basic limits premium subject to experience rating.

b. Adjustedment to reflect ultimate level of losses for each year in the experience period, calcu-lated by multiplying the premium (P) for that year by the adjusted expected loss ratio (AELR) and by the appropriate basic limits loss development factor (LDF), where


(2) AELR is the adjusted expected loss ratio specified in the Credibility and Maximum Single Loss Table B, based on the total basic limits premium subject to experience rating;

(3) LDF is the appropriate basic limit loss de-velopment factor applicable to expected losses (Premium x AELR). Table A dis-plays LDFs by type of coverage and ma-turity. (See Example Below.) Before de-termination of the actual loss ratio, the ex-pected losses will first be adjusted by the following loss development factors:

TABLE A

ISO ADVISORY AUTOMOBILE LIABILITY

BASIC LIMITS LOSS DEVELOPMENT FACTORS

Commercial Cars Autos

Latest Policy Year



Automobile Liability BI$20/40 Residual Bodily Injury

.258 .133 .060

PD$10,000 Property Damage .037 .005 .000 Garages

Automobile Liability BI$20/40 Residual Bodily Injury

.264 .127 .061

PD$10,000 Property Damage .049 .000 .000


If breakdown of the premium by coverage is not available, an average LDF may be obtained by combining the applicable factors by coverage, taking into consideration the amount of the risk’s total exposures or losses in each category as of the last survey or evaluation.



5. Credibility

The credibility for the risk is obtained from the Credibility and Maximum Single Loss Table B, based on the total basic limits premium subject to experience rating.

Experience Modification

a. If the actual loss ratio is less than the adjusted expected loss ratio, the experience modifica-tion is a credit which that shall will be deter-mined as follows:




Adjusted





b. If the actual loss ratio is greater than the adjusted expected loss ratio, the experience modification is a debit which that shall will be determined as follows:




Actual





TABLE B

HAWAII AUTOMOBILE LIABILITY EXPERIENCE RATING PLAN CREDIBILITY AND MAXIMUM SINGLE LOSS TABLE




1–914 0.01 0.369 6700 33024–34488 0.36 0.449 12650 143391–150526 0.71 0.547 33950 915–1538 0.02 0.371 6800 34489–36000 0.37 0.452 12900 150527–158182 0.72 0.549 35300

1539–2176 0.03 0.373 6900 36001–37561 0.38 0.455 13200 158183–166415 0.73 0.552 36750 2177–2827 0.04 0.375 7050 37562–39174 0.39 0.458 13500 166416–175294 0.74 0.554 38300 2828–3492 0.05 0.377 7150 39175–40840 0.40 0.461 13800 175295–184898 0.75 0.555 40000 3493–4171 0.06 0.379 7250 40841–42564 0.41 0.464 14150 184899–195319 0.76 0.557 41800 4172–4865 0.07 0.381 7350 42565–44348 0.42 0.466 14500 195320–206667 0.77 0.559 43750 4866–5574 0.08 0.383 7500 44349–46195 0.43 0.469 14800 206668–219070 0.78 0.561 45850 5575–6298 0.09 0.385 7600 46196–48108 0.44 0.472 15200 219071–232683 0.79 0.562 48200 6299–7039 0.10 0.387 7750 48109–50092 0.45 0.475 15550 232684–247692 0.80 0.564 50750 7040–7797 0.11 0.389 7850 50093–52150 0.46 0.478 15950 247693–264324 0.81 0.565 53550 7798–8571 0.12 0.391 8000 52151–54286 0.47 0.481 16350 264325–282857 0.82 0.566 56650 8572–9364 0.13 0.393 8150 54287–56505 0.48 0.484 16750 282858–303636 0.83 0.568 60100

9365–10175 0.14 0.395 8250 56506–58812 0.49 0.487 17200 303637–327097 0.84 0.569 64000 10176–11006 0.15 0.397 8400 58813–61212 0.50 0.490 17650 327098–353333 0.85 0.570 68350 11007–11856 0.16 0.399 8550 61213–63711 0.51 0.493 18100 353334–380000 0.86 0.571 73000 11857–12727 0.17 0.402 8700 63712–66316 0.52 0.496 18600 380001–406667 0.87 0.571 77500 12728–13620 0.18 0.404 8850 66317–69032 0.53 0.499 19100 406668–433333 0.88 0.572 81900 13621–14534 0.19 0.406 9050 69033–71868 0.54 0.502 19650 433334–460000 0.89 0.572 86200 14535–15472 0.20 0.408 9200 71869–74831 0.55 0.505 20200 460001–486667 0.90 0.573 90350 15473–16433 0.21 0.411 9350 74832–77931 0.56 0.508 20800 486668–513333 0.91 0.573 94450 16434–17419 0.22 0.413 9550 77932–81176 0.57 0.511 21400 513334–540000 0.92 0.573 98450 17420–18431 0.23 0.416 9700 81177–84578 0.58 0.514 22000 540001–566667 0.93 0.574 102400 18432–19470 0.24 0.418 9900 84579–88148 0.59 0.517 22700 566668–593333 0.94 0.574 106200 19471–20537 0.25 0.420 10100 88149–91899 0.60 0.519 23350 593334–620000 0.95 0.574 109950 20538–21633 0.26 0.423 10300 91900–95844 0.61 0.522 24100 620001–646667 0.96 0.574 113650 21634–22759 0.27 0.425 10500 95845–100000 0.62 0.525 24850 646668–673333 0.97 0.574 117200 22760–23916 0.28 0.428 10700 100001–104384 0.63 0.528 25650 673334–700000 0.98 0.574 120750 23917–25106 0.29 0.431 10900 104385–109014 0.64 0.530 26500 700001–726667 0.99 0.574 124200 25107–26331 0.30 0.433 11150 109015–113913 0.65 0.533 27400 726668 and Over 1.00 0.575 127550 26332–27591 0.31 0.436 11350 113914–119104 0.66 0.535 28350 27592–28889 0.32 0.438 11600 119105–124615 0.67 0.538 29350 28890–30226 0.33 0.441 11850 124616–130476 0.68 0.540 30400 30227–31603 0.34 0.444 12100 130477–136721 0.69 0.543 31500 31604–33023 0.35 0.447 12350 136722–143390 0.70 0.545 32700





Rule 55. UNINSURED AND UNDERINSURED MOTORISTS INSURANCE COVERAGES

Uninsured Motorists Insurance for Owners

(Class Code: Refer to Statistical Plan)


1. Uninsured motorists coverage shall will be provided on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle an auto registered or principally garaged in Hawaii.

EXCEPTIONS:






2. Uninsured Motorists Coverage Options

The option to reject stacked uninsured motorist coverage shall will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

If the named insured does not reject stacked uninsured motorists coverage in writing, stacked coverage must apply to all vehicles autos insured under the policy.

If the named insured rejects the stacked uninsured motorists coverage option in writing, nonstacked coverage must apply to all vehicles autos insured under the policy.


3. Rates

The rates set forth on the rate sheets schedules are for $20,000/40,000 uninsured motorists cover-age.

4. Limits

Increased limits for uninsured motorists coverage shall will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for uninsured motorists coverage.

Increased limits are subject to the maximum bodily injury liability limits of the policy.

B. Underinsured Motorists Insurance Coverage

1. Underinsured motorists coverage shall will be provided on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto liability policy issued or delivered to the owner of a motor vehicle an auto registered or principally garaged in Hawaii.

EXCEPTIONS:






2. Underinsured Motorists Coverage Options

The option to reject stacked underinsured motorists coverage shall will be offered in writing to the named insured. If stacked coverage is not desired, the named insured must reject this option in writing.

If the named insured does not reject the stacked underinsured motorists coverage in writing, stacked coverage must apply to all vehicles autos insured under the policy.

If the named insured rejects the stacked underin-sured motorists coverage option in writing, nonstacked coverage must apply to all vehicles autos insured under the policy.


3. Rates

The rates set forth on the rate sheets schedules are for $20,000/$40,000 underinsured motorists coverage.

4. Limits

Increased limits for underinsured motorists cover-age shall will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorists coverage.

Increased limits are subject to the maximum bodily injury liability limits of the policy.

C. Modification The premium shall will not be subject to modification under the provisions of any rating plan or other Manual rules.





Rule 56. AGE GROUPS FOR PHYSICAL DAMAGE COVERAGES


Age Groups

Definition Code

1— All automobiles of the current model year

1

2— All automobiles of the first preceding model year

2

3— All automobiles of the second preceding model year

3

4— All automobiles of the third preceding model year

4

5— All automobiles of the fourth preceding model year

5

6— All automobiles of the fifth preceding model year

6

NOTES: 1. For the purpose of this definition, The current model year shall changes effective October 1, of each calendar year regardless of the actual introductory dates of the several makes and models actual date the models are introduced.

2. For rebuilt or structurally altered automobiles, the age of the chassis determines the age of the car auto.

The terms “new” and “old” mean:

New— Automobile purchase new not more than 18 months prior to date insurance attaches. (Code 1)

Old — All other automobiles. (Code 3)


(From Current Rule 9.A)Determine the Original Cost New as follows:

1. Original Cost New must include is the retail cost the original purchaser paid for the auto and its equipment. This includes the value of any trade-in auto and any federal, state, and local sales taxes or any other taxes which may be levied in lieu of charged in place of sales taxes.

2. If that Original Cost New cannot be ascertained, determine the proper premium by using the price-new-at factory of chassis plus the price-new-of the body, if available. If not available, increase the Price-New-at Factory of Chassis by 331/3%. If the Original Cost New is not known, multiply the Original Cost New of the chassis by 1.33.

Rule 9. RULE FOR DETERMINING ACTUAL CASH VALUE PREMIUMS NOT DISPLAYED

Actual Cash Value premiums for types of automobiles and coverages for which premiums are not displayed shall be determined as follows:

A. (Moved to proposed Rule 56.B)Determine the Original Cost New. Original Cost New must include federal, state, and local sales taxes or other taxes which may be levied in lieu of such sales taxes.

If that Original Cost New cannot be ascertained, determine the proper premium by using the price-new-

at factory of chassis plus the price-new-of the body, if available. If not available, increase the Price-New-at Factory of Chassis by 331/3%.

B. Determine age group.

C. Apply stated amount rates to an amount of insurance determined by use of the following table:

Age Groups

1 Original Cost New (chassis and body) 2,3 90% of Original Cost New (chassis and body) 4,5 80% of Original Cost New (chassis and body) 6 65% of Original Cost New (chassis and body)

D. When miscellaneous coverages are to be added to fire and theft, add to the displayed fire and theft Actual Cash Value premiums displayed in the manual the premium calculated in accordance with the above for the miscellaneous coverages.






1,000 .80

B. Physical Damage Deductibles: apply the following factors applicable to the Manual rates:


1. Comprehensive

Deductible

FactorsPrivate Passenger

Types All Other

0 Full 1.300 of $50

Deductible 1.508 1.250 1.438

$50 1.160 of $100

Deductible 1.160 1.150 1.150

100 1.000 of $100

Deductible 1.000 1.000 1.000

250 .900 of $100

Deductible 0.900 .900 0.900

500 .775 of $100

Deductible 0.775 .775 0.775

1,000 .750 of $500

Deductible 0.581 .750 0.581

1,500 .620 of $500

Deductible 0.481 .620 0.481

2,000 .540 of $500

Deductible 0.419 .540 0.419





2. Collision

Deductible

FactorsPrivate Passenger

Types All Other

$50

1.250 of $100

Deductible 1.508 1.200 1.344

100

1.130 of $250

Deductible 1.160 1.120 1.120

250

1.000 of $250

Deductible 1.000 1.100 1.000

500

.930 of $250

Deductible 0.900 .930 0.930

1,000

.780 of $250

Deductible 0.775 .780 0.780

1,500

.820 of $1,000

Deductible 0.581 .850 0.663

2,000

.690 of $1,000

Deductible 0.481 .690 0.538

These factors are not applicable when deductible rates are displayed on rate sheets.


Rule 12. RULES FOR DETERMINING OTHER THAN COLLISION PREMIUM ABOVE $33,000 ORIGINAL COST NEW NOT DISPLAYED ON RATE SCHEDULES

Automobiles above $33,000 Original Cost New shall be rated as follows:

A. Determine age group.

B. Apply the following factor to the $6,501–$8,000 Original Cost New rate:

Symbol Original Cost New Factor1 $ 0– 6,500 0.75 2 6,501– 8,000 1.00 3 8,001– 9,000 1.21 4 9,001– 10,000 1.37 5 10,001– 11,250 1.54 6 11,251– 12,500 1.71 7 12,501– 13,750 1.87 8 13,751– 15,000 2.04

10 15,001– 16,250 2.23 11 16,251– 17,500 2.44 12 17,501– 18,750 2.68 13 18,751– 20,000 2.91 14 20,001– 22,000 3.18 15 22,001– 24,000 3.51 16 24,001– 26,000 3.82 17 26,001– 28,000 4.12 18 28,001– 30,000 4.41 19 30,001– 33,000 4.77

Symbol Original Cost New Factor20 33,001– 36,000 5.19 21 36,001– 40,000 5.67 22 40,001– 45,000 6.27 23 45,001– 50,000 6.93 24 50,001– 60,000 7.90 25 60,001– 70,000 9.17 26 70,001– 80,000 10.43 27 Over 80,000 +

+ Develop the comprehensive base rates for Symbol 27 vehicles by:

1. Increasing the factor for Symbol 26 by + 1.25 for each $10,000 or fraction of $10,000 above $80,000 of Original Cost New, and


Rule 12A. FORMULA FOR CALCULATING COLLISION PREMIUMS ABOVE $33,000 ORIGINAL COST NEW NOT DISPLAYED ON RATE SCHEDULES

Automobiles above $33,000 Original Cost New shall be rated as follows:

A. Determine age group.

B. Apply the following factor to the $6,501–$8,000 Original Cost New rate:

Symbol Original Cost New Factor1 $ 0– 6,500 0.85 2 6,501– 8,000 1.00 3 8,001– 9,000 1.09 4 9,001– 10,000 1.16 5 10,001– 11,250 1.22 6 11,251– 12,500 1.28 7 12,501– 13,750 1.35 8 13,751– 15,000 1.42

10 15,001– 16,250 1.49 11 16,251– 17,500 1.56 12 17,501– 18,750 1.64 13 18,751– 20,000 1.72 14 20,001– 22,000 1.82 15 22,001– 24,000 1.94 16 24,001– 26,000 2.05 17 26,001– 28,000 2.16 18 28,001– 30,000 2.27 19 30,001– 33,000 2.40 20 33,001– 36,000 2.53 21 36,001– 40,000 2.66 22 40,001– 45,000 2.82 23 45,001– 50,000 2.99 24 50,001– 60,000 3.23 25 60,001– 70,000 3.54 26 70,001– 80,000 3.85 27 Over 80,000 +

+ Develop the comprehensive base rates for Symbol 27 vehicles by:





1. Increasing the factor for Symbol 26 by +.30 for each $10,000 or fraction of $10,000 above $80,000 of Original Cost New, and


NOTES: 1. For automobiles built in the U.S., use Original F.O.B. List Price.

2. For specially built automobiles, use Origi-nal Cost New.

3. For imported automobiles, use Original Cost New in the U.S.

Rule 13. AMPHIBIOUS EQUIPMENT

For equipment designed to be operated on both land and water, the normal rating procedures apply according to type and use thereof. Attach applicable endorsement.

Rule 17. COMBINED ADDITIONAL COVERAGE WITH OR WITHOUT MALICIOUS MISCHIEF AND VANDALISM

These coverages may be written only in connection with fire or fire and theft coverage and for a like amount of insurance.

The rates are subject under all circumstances to a retained minimum premium of not less than 25% of the annual premium charged for each car insured.

Rates—See rate sheets.

Rule 21. EMERGENCY OPERATION

COLLISION ONLY

A. Authorized emergency vehicles as defined below are subject to twice the collision premiums otherwise applicable.

Usually such authorized emergency vehicles are equipped with red lights facing forward, either flashing or rotating, and with a siren, exhaust whistle, or bell.

B. Definition—Vehicles of the following types which are designated or authorized by the public authorities as emergency vehicles.

1. Police vehicles

2. Ambulances

3. Municipal Department vehicles

4. Public Service Corp. vehicles

Fire department automobiles (but excluding fire department ambulances). Fire department apparatus and salvage corps automobiles are not subject to this Rule.






For the purposes of this Chapter, the words “regular” and “regularly” mean that the operations are contemplated, planned, or expected. This section does not apply to:

1. Vehicles used as a public or livery conveyance for passengers.

2. Vehicles leased or rented to others by leasing or rental concerns.

3. Vehicles of the pickup, delivery sedan, or panel delivery types owned by an individual, husband and wife who are residents of the same household and not customarily used in the occupation, profession, or other business purposes.

4. Vehicles exempt from, Chapter 431:10C, Hawaii Revised Statutes.

Rule 71. DEFINITION ELIGIBILITY

A commercial automobile is a motor vehicle of the truck type, including vehicles of the pickup, delivery sedan, or panel delivery types and including truck-tractors, trailers, and semitrailers, used for the transportation or delivery of goods or merchandise or for other business purposes and not specifically treated in the Public (Rule 45) or Miscellaneous Sections (Rule 86) of this Manual.



The bodily injury, personal injury protection, property damage, and physical damage premiums for commercial automobiles shall be determined as follows:




B. Refer to the state Determine the rating territory from the territory definitions to determine the territory in which the automobile will be principally garaged based on the street address of principal garaging.



2. For trucks, truck-tractors, trailers, and semitrailers determine the applicable primary rating factor and statistical code in accordance with the Commercial Automobile Classifications Rule. Determine the primary rating factor from the Trucks, Tractors, and Trailers Classifications Rule based on size class, business use class, and radius class.

3. If applicable, determine the appropriate secondary rating factor from the secondary rating factor table in the Commercial Automobile Classifications Rule to be added to or subtracted from the primary rating factor. Determine the secondary rating factor, if any, from the Trucks, Tractors, and Trail-ers Classifications Rule based on the special industry classifications.

D.Refer to the commercial automobile base premium page in the rate sheets for the fleet or nonfleet base premiums.

1. Commercial Automobiles—Fleet

The base premiums shown on the rate sheets for commercial automobiles—fleets shall apply to the commercial automobiles of any risk consisting of five or more automobiles of any type which are under one ownership. Vehicles owned by allied or subsidiary interests shall not be included unless the insured holds a majority financial interest therein.

2. Commercial Automobiles—Nonfleet

The base premiums shown on the rate sheets for commercial automobiles—nonfleet shall apply to all other commercial automobiles not qualifying for fleet rates as above and all miscellaneous classes which refer to commercial automobile classes for rating.

3. The classification as fleet or nonfleet shall not be changed in midterm to recognize a change in the number of owned automobiles.

4. Multiply the selected liability and personal injury protection limits base premium by the rating factor determined in accordance with A and B. Deter-mine the combined rating factor by adding the secondary rating factor to or subtracting it from the primary rating factor.




Exception: (Current Rule 32.I)For trailers and semitrailers, multiply the liability and personal injury protection base pre-mium determined above by the pri-mary rating factor. ,and for physical damage multiply the premium deter-mined from the trailer base premium table by the primary rating factor.












2. Trailers






1. For physical damage determine the original cost new and the appropriate age group of the vehicle.

Based on the age group and Original Cost New (Rule 56) of the auto, determine the physical damage rate from the appropriate physical damage table shown on the rate schedules.

2. From the appropriate physical damage base premium table determine the base premium ac-cording to the Original Cost New and age group. Stated amount basis is not available unless other-wise indicated. Multiply the physical damage rates developed above by the factor displayed on the rate schedules based on whether or not the auto is used in dumping operations or not used in dumping operations.


4. Multiply the selected physical damage base premium by the rating factor determined in accord-ance with A and B. premium determined above by the physical damage combined rating factors, as determined in paragraph C above.

Exception: For trailers and semitrailers, multiply the liability and personal injury protec-tion base premium determined above by the primary rating factor and for physical damage multiply the premi-um determined from the trailer base premium table by the primary rating factor.



J.For liability and personal injury protection limits other than those shown on the base premium page, refer to the

appropriate increased limits table and apply factor to Manual rates to determine total premium.

K.The following procedures are applicable for developing stated amount rates:

1. Full Coverage Comprehensive or Fire, Theft, and CAC (Including MM&V)

a. Light Trucks

Determine the Actual Cash Value premium for $4,501–$6,000, age group 1, from the rate sheet for the territory.

Divide the Actual Cash Value premium by 100.

Multiply the result by 2.

b. Medium Trucks




c. Heavy Trucks and Truck Type Tractors



Multiply the result by .8.

d. Extra Heavy Trucks and Truck-Tractors

Determine the Actual Cash Value premium for $10,001–$15,000, age group 1 from the rate sheet for the territory.


Multiply the result by .8.

e. Trailers and Semitrailers




2. All Other Coverages

a. Determine rate in accordance with 1 above, and

b. Apply the percentages shown at the bottom of the rate sheet for the coverage desired.

3. Premiums developed from stated amount rates in accordance with the formula above are base premiums and must be modified by the appropriate primary rating factor and, when applicable, sec-ondary rating factor.

L.Refer to the Additional Charges Rule (Rule 6) and apply the charges, if applicable.

M.Refer to the Certified Risks—Financial Responsibility Laws (Rule 7) and apply the charge, if applicable.





Rule 73. COMMERCIAL AUTOMOBILE TRUCKS, TRACTORS, AND TRAILERS CLASSIFICATIONS

Commercial automobiles shall be classified for liability, personal injury protection, and physical damage coverages as follows:

The schedule primary classification—rating factors for bodily injury liability and property damage liability shall also be applicable to personal injury protection coverage.








1. Gross vehicle weight (GVW) and gross combina-tion weight (GCW) are defined as follows: mean

a. GVW—means The maximum loaded weight for which a single vehicle auto is designed as specified by the manufacturer;

b. GCW— means The maximum loaded weight for a combination truck-tractor and semitrailer or trailers for which the truck-tractor is de-signed, as specified by the manufacturer.

2. Size Class

a. Light Trucks—Trucks that havinge a gross vehicle weight GVW of 10,000 pounds or less.

b. Medium Trucks

(1) Trucks that havinge a gross vehicle weight GVW of 10,001–20,000 pounds.

(2) Note: Trucks of the Include crawler type trucks are all included in this class.

c. Heavy Trucks—Trucks that havinge a gross vehicle weight GVW of 20,001–45,000 pounds.

d. Extra Heavy Trucks—Trucks that havinge a gross vehicle weight GVW over 45,000 pounds.

e. Truck-Tractors—A truck-tractor is a motorized vehicle auto with or without body for carrying commodities or materials, equipped with fifth wheel coupling device for semitrailers.

(1) Heavy Truck-Tractors—Truck-tractors that havinge a gross combination weight GCW of 45,000 pounds or less.

(2) Extra Heavy Truck-Tractors—Truck-tractors that have having a gross

combination weight GCW over 45,000 pounds.

f. Semitrailers—A semitrailer is a trailer equipped with fifth wheel coupling device for use with a truck-tractor with load capacity over 2,000 pounds including. This includes bogies used to convert containers into semitrailers.




Note: If a commercial automobile truck, tractor, or trailer has more than one use, use the highest rated classification shall be used.

a. Service Use—Vehicles used For the transpor-tation of transporting the insured’s personnel, tools, equipment, and incidental supplies to or from a job location.

Note: This classification is confined to vehicles autos principally parked at a job locations for the majority of the working day or for the transportation of used to transport supervisory personnel between job locations. This classifi-cation applies to autos that have reduced ex-posure because their use is closely associated with the installation or service of appliances, fixtures, equipment, and other products. It in-cludes autos used by artisan-type risks, such as carpenters, plumbers, and contractors. The delivery of a product to be installed or that has been repaired does not disqualify the auto from this classification.

b. Retail Use—Vehicles Autos used to pick up property from or deliver property to individual households. Deliveries of heating fuel, milk, groceries, drugs, and laundry are examples of the exposures in this classification. This class also includes parcel post and mail delivery where deliveries are primarily to private households.

c. Commercial Use— Vehicles Autos used for transportionng of property other than those vehicles autos defined as service or retail and all truckers.

4. Radius Class









FLEET—PRIMARY CLASSIFICATIONS—RATING FACTORS AND STATISTICAL CODES CLASSIFICATION DESIGNATORS



RBI, PD, & PIP OTC Comp. & Coll RBI, PD, & PIP OTC Comp. & Coll.


Service Factor CD

1.00 014– –

1.00 014– –

1.00 015– –

1.00 015– –

Retail Factor CD

1.60 024– –

1.60 024– –

1.60 025– –

1.60 025– –


1.40 034– –

1.40 034– –

1.40 035– –

1.40 035– –


GVW)

Service Factor CD

1.05 214– –

1.05 214– –

1.05 215– –

1.05 215– –

Retail Factor CD

1.65 224– –

1.65 224– –

1.65 225– –

1.65 225– –


1.90 234– –

1.90 234– –

1.90 235– –

1.90 235– –


GVW)

Service Factor CD

1.40 314– –

1.40 314– –

1.40 315– –

1.40 315– –

Retail Factor CD

2.35 324– –

2.35 324– –

2.35 325– –

2.35 325– –


2.50 334– –

2.50 334– –

2.50 335– –

2.50 335– –


lbs. GVW) Factor CD

2.75 404– –

2.75 404– –

2.75 405– –

2.75 405– –


lbs. GCW)

Service Factor CD

1.45 344– –

1.45 344– –

1.45 345– –

1.45 345– –

Retail Factor CD

2.40 354– –

2.40 354– –

2.40 355– –

2.40 355– –


2.55 364– –

2.55 364– –

2.55 365– –

2.55 365– –



2.80 504– –

2.80 504– –

2.80 505– –

2.80 505– –

Trailer Types


.25 674– –

.25 674– –

.25 675– –

.25 675– –

Trailers Factor CD

.25 684– –

.25 684– –

.25 685– –

.25 685– –


Factor CD

.00 694– –

.25 694– –

.00 695– –

.25 695– –






NONFLEET—PRIMARY CLASSIFICATIONS—RATING FACTORS AND STATISTICAL CODES CLASSIFICATION DESIGNATORS



RBI, PD, & PIP OTC Comp. & Coll RBI, PD, & PIP OTC Comp. & Coll.


Service Factor CD

1.00 011– –

1.00 011– –

1.00 012– –

1.00 012– –

Retail Factor CD

1.60 021– –

1.60 021– –

1.60 022– –

1.60 022 –


1.40 031– –

1.40 031– –

1.40 032– –

1.40 032– –


GVW)

Service Factor CD

1.05 211– –

1.05 211– –

1.05 212– –

1.05 212– –

Retail Factor CD

1.65 221– –

1.65 221– –

1.65 222– –

1.65 222– –


1.90 231– –

1.90 231– –

1.90 232– –

1.90 232– –


GVW)

Service Factor CD

1.40 311– –

1.40 311– –

1.40 312– –

1.40 312– –

Retail Factor CD

2.35 321– –

2.35 321– –

2.35 322– –

2.35 322– –


2.50 331– –

2.50 331– –

2.50 332– –

2.50 332– –


lbs. GVW) Factor CD

2.75 401 – –

2.75 401 – –

2.75 402– –

2.75 402– –


lbs. GCW)

Service Factor CD

1.45 341– –

1.45 341– –

1.45 342– –

1.45 342– –

Retail Factor CD

2.40 351– –

2.40 351– –

2.40 352– –

2.40 352– –


2.55 361– –

2.55 361– –

2.55 362– –

2.55 362– –



2.80 501– –

2.80 501– –

2.80 502– –

2.80 502– –

Trailer Types


.25 671– –

.25 671– –

.25 672– –

.25 672– –

Trailers Factor CD

.25 681– –

.25 681– –

.25 682– –

.25 682– –


Factor CD

.00 691 –

.25 691 –

.00 692– –

.25 692– –








Note: Except for vehicles autos owned by a farmer, these classifications are not applicable to light service trucks, trailers, or semitrailers.

Code * Secondary Factor to Be Combined

with Primary Factor


Described Above 1— Manufacturers—Vehicles Autos

in excess of 10,000 pounds gross vehicle weight used to transport raw materials and finished and/or unfinished goods manufactured, processed, or constructed by the insured +0.40

2— Truckermens— Vehicles Autos in excess of 10,000 pounds gross vehicle weight used to haul or transport goods, materials, or commodities for another for hire, other than autos used in moving vans operations Local +1.45

Tow Trucks for Hire +1.45 3— Food Delivery— Vehicles Autos

in excess of 10,000 pounds gross vehicle weight used in by food manufacturers to transport raw and finished products or used in wholesale delivery of fish, meat, or grocery products including fruits or vegetables, frozen goods, and canned goods distribution of food +0.20

4— Specialized Delivery— Vehicles Autos used in delivery of mail, parcel post, magazines, newspapers, film, and other deliveries subject to time and similar constraints, and armored cars deliveries subject to time and similar constraints, such as but not limited to armored cars, film delivery, magazines or newspapers, and mail and parcel post +0.45

5— Waste Disposal— Vehicles Autos transporting salvage and waste material for disposal or resale such as +0.75

a. Automobile dismantlers b. Building wrecking operators c. Ash and Garbage removal d. Junk dealers e. All others

Code * Secondary Factor to Be Combined

with Primary Factor

6— Farmers— Vehicles Autos owned by a farmer, used in connection with the operation of his or her own farm and occasionally used to haul commodities for other farmers Note: Coverage includes farm wagons and farm implements used in connection with such vehicles, but not to a home, office, store, display, or passenger trailer. Coverage shall not extend to the operation of farm machinery. –0.50

7— Dump trucks and trailers used in dumping operations and Transit Mix Trucks and Trailers (IMPORTANT: Use these factors only when no other secondary classification applies including the truckers secondary classification.) –0.05


* To be inserted in fourth digit of classification code.

D. Commercial automobiles are subject to the following provisions:Special Provisions for Certain Risks

1. Truckers—If the business of the insured involves the transportionng of materials or commodities for another, the risk shall be subject to the provisions of the Truckmen Rule. the Truckers Rule also applies.

2. Transporters of Liquid Products—A policy covering a commercial automobile used for the bulk trans-portation of liquid products shall be endorsed to that covers an auto used for the bulk transportation of liquid products must exclude accidents resulting from the erroneous delivery of one liquid product for another, or the delivery of any liquid product into the wrong receptacle if the accident occurs after such the operations have been completed at the place of occurrence thereof. Attach the applicable Wrong Delivery of Liquid Products endorsement.

3. Amusement Devices—A policy written to cover a commercial automobile, trailer, or semitrailer on which an amusement device has been mounted shall also provide coverage for the operation of the amusement device at an additional flat premium charge.

Refer to HJUP Bureau.

that covers an auto with an amusement device mounted on it must cover the operation of the amusement device. Develop the additional premi-um by multiplying the trucks, tractors, and trailers residual bodily injury and property damage liability base premium by 1.60. The premium is for the period of coverage and not subject to any return.





4. Transporters of Explosives—Commercial automobiles used for the transportation of explo-sives A policy that covers an auto used for trans-porting explosives shall will not be endorsed to exclude coverage for the explosion hazard. Such vehicles shall be rated at 300% of the base rates for BI, PIP, and PD. Develop the premium by multiplying the trucks, tractors, and trailers residual bodily injury and property damage liability and personal injury protection coverage base premiums by 3.00.

5. Rolling Stores—A policy written to cover an automobile that covers autos equipped as a rolling store shall must be endorsed to exclude product liability. Attach the applicable Rolling Stores en-dorsement.

6. Coverage for Trailers or Semitrailers Used as Showrooms or salesrooms—may be afforded at a rate of 2 times the trailer or semitrailer factor subject to a minimum premium per trailer or semi-trailer of $18 bodily injury, $20,000/40,000 limit, and $3 property damage, $10,000 limit. To provide residual bodily injury and property damage liability coverage for trailers or semitrailers used as show-rooms or salesrooms, multiply the trailer or semi-trailer rating factor by 2.00.The policy must shall be endorsed to exclude product liability. Attach the applicable Rolling Stores endorsement.

For personal injury protection coverage insurance the rate shall be, charge the full personal injury protection PIP premiums for private passenger types autos for the territory in which the risk is located.

Trucks, trailers, and semitrailers used in dumping operations, including ready-mix and mix-in-transit cement trucks shall be rated at the collision rates shown on the commercial rate sheets for vehicles used in dumping operations. Hopper type transporters of dry commodities which unload through the bottom by gravity are to be rated according to the classification otherwise applicable.

Rule 74. TRUCKMENERS

A. Eligibility

Definition of Truckman. A truckman A trucker is a person, firm, or corporation that undertakes to haul or transport in the business of transporting goods, materials, or commodities for another. If the risk is engaged in hauling goods for another, the fact that it may call Such a risk is still in the truckers classification even if it calls itself or advertises as a contractor, building contractor, building material dealer, sand and gravel hauler, or some other such similar name does not remove the risk from the truckmen classification Autos used in moving operations are also truckers, even though they are not subject to the truckers secondary rating factors.

B. The Commercial Automobile Classifications Rule shall apply to truckmen.Premium Development—Residual Bodily Injury and Property Damage Liability, Personal Injury Protection, and Physical Damage Coverages


For any person, firm, or corporation transporting property exclusively for one concern, classify and rate the autos as though the autos are owned by such concern.

2. All Others

For all other persons, firms, or corporations trans-porting property for others, classify and rate owned and long term leased (i.e., one calendar year or more and exclusive lease) autos on a specified auto basis.








Cover-age

Base Rate (Rate


Physical Damage

Deductible Factor

(Rule 57)


(Rule 73)


(Rule 73)


(Rule 52)

PIP Deductible

Factor (Rule 57)


Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB. NA

X( +/- ) X NA X X

=

PD LIAB. NA

X( +/- )X NA X X

=

PIP NA

X( +/- ) NA X X X

=

UM NA

NA NA X NA X NA NA

=

UIM NA

NA NA X NA X NA NA

=


NA

=


NA

=

TOTAL =






NOTES





Rule 81. PRIVATE PASSENGER AUTOMOBILE CLASSIFICATIONS ELIGIBILITY

A. Definition A private passenger type automobile is a

1. four-wheel vehicle auto of the private passenger, station wagon, or jeep type rated as part of a fleet or owned by other than natural persons;

This section applies to all private passenger automo-biles which are owned by corporations, partnerships, unincorporated associations, government agencies, or rated as part of a fleet.




Rule 82. PREMIUM DETERMINTION DEVELOPMENT

A. Refer to the territories sheet of this Manual to determine the number of the territory in which the automobile will be principally garaged. Determine the rating territory from the territory definitions based on the street address of principal garaging.


1. Nonfleet

2. Refer to the Private Passenger Types rate sheets.

LIABILITY AND PIP

90% of Private Passenger Types rate


2. Fleet



Fleet and Nonfleet—Private Passenger Types rate.


3. Refer to the Additional Charges Rule (Rule 6) and apply the charges, if applicable, to the premiums determined in 2 above.

4. Refer to the Certified Risks—Financial Responsibility Laws Rule (Rule 7) and apply the charge, if applicable, to the liability and PIP premiums determined in 3 above





NOTES






Rule 91. DEFINITION ELIGIBILITY

A public automobile is an automobile of any type used as a public or livery conveyance for passengers



The bodily injury, personal injury protection, property damage, and physical damage premiums for public automobiles shall be determined as follows:




B. (Current Rule 46.C) Refer to the state Determine the territory from the territory definitions for the number of the territory in which the automobile will be customarily operated for passenger carrying purposes based on the highest rated territory in the U.S.A. where the public auto is operated.



2. (Current Rule 46.A)Determine the applicable rate classification from the Use Classifications Rule. primary rating factor from the Public Auto Classifi-cations Rule based on use class and radius class. For van pools, the rating factor is based on seating capacity.




1. (Current Rule 46.D)Refer to rate sheets for the rates and premiums Determine the base rate from the rate schedules.


Auto Type Factor


3. Multiply the base rate by the combined rating

factor.(Current Rule 46.F, G, and H) For liability and personal injury protection limits other than those shown on the base premium pages, refer to

the increased limits tables and apply the appropri-ate factor.

Refer to the Additional Charges Rule (Rule 6) and apply the charges, if applicable.

Refer to the Certified Risk—Financial Responsibil-ity Laws (Rule 7) and apply the charge, if applica-ble.



1. (Current Rule 46.B)For physical damage, determine the Based on the age group and Original Cost New and the appropriate age group of the vehicle. (Rule 56) of the auto, determine the physical damage rate from the appropriate physical damage table shown on the rate schedules.



Auto Type Factor




5. (Current Rule 46.E)For stated amount compre-hensive, multiply the limit of liability by the stated amount rates Refer to Rule 51 in the Commercial General Rules Chapter of this Manual for further development of the total premium.

Rule 93. PUBLIC AUTO USE CLASSIFICATIONS

Public automobile use classifications are subject to the following provisions:

A. Subject to any specified exceptions, if the use of the automobile involves more than one classification under this section of the Manual, the highest rated classifica-tion shall be used. If an auto has more than one use, use the highest rated classification.

If the seating capacity has not been established by public authority, it shall be determined as follows:

(Moved to Rule 93.E)1.If a bus is rated at commercial rates, the size class shall be determined from the seating capacity as follows:


Medium 0–20 Heavy Over 20

(Deleted)2.If a commercial type automobile is rated as a public automobile, the seating capacity shall be determined from the size class as follows:






Medium 0–20 Heavy 21–30

3. In all other cases, the seating capacity shall be determined on the basis of measurement of the seating spaces, excluding the seating space for the driver, in accordance with the following table:

Length of Seating Space

Seating Capacity of Such Space

22 inches or less ............................... 1 More than 22 inches but not more

than 38 inches ............................... 2 Each additional 15 inches or

fraction thereof ............................... 1

The rate for a combination unit consisting of a motor powered vehicle and one or more trailers or semitrailers shall be based on the seating capacity of such combination unit and shall be increased 10%.

A policy covering a public automobile may be extended to cover special trips for touring, picnics, outings, games, and similar uses, if not contemplated by the classification under which the automobile is rated, for an additional premium charge of pro rata of the general passenger service bus rate for each day that coverage applies, subject to a minimum premium of $6 bodily injury, $20,000/40,000 limit, and $1 property damage, $10,000 limit, for each separate period of coverage of one or more consecutive days.

A policy covering a public automobile which is subject to any motor carrier law shall not afford coverage for any other public motor carrier required to purchase insurance under a motor carrier law because of transporting passengers or property for the named insured or for others.

“Between terminal points”, wherever used in this section, shall mean one half of the total distance traveled by the bus from the time it leaves the headquarters terminal until it returns to the headquar-ters terminal.

Public automobiles shall be classified and rated according to their use as follows:










2. Use Class

a. (Current Rule 47.G.11)Public Livery Automo-bile or Taxicab or Similar Passenger Carrying Service— A public automobile of any type me-tered or unmetered auto with a seating capaci-ty not in excess of eight passengers excluding the driver, of eight or less that is operated for hire with by the named insured or an employee of the named insured in attendance as chauf-feur, but does not used to pick up, transport, and or discharge passengers along a route.

Liability and PIP—(Class Code—See Automobile Statistical Plan)

Refer to rate sheets.

Physical Damage—(Class Code 511)

Fire, Theft, and C.A.C.—See rates for Private Passenger Types stated amount ($100 Deductible) on rate sheets.

C.A.C. with M.M.V.—Refer to rate sheets.

Refer to Rule 15. Deductibles in this Manual for alternate deductible options and factors listed under comprehensive which are to be used for these coverages.

Comprehensive—Not available.

Collision—Two times the rates for Private Passen-ger Types shown on rate sheets.

b. (Current Rule 47.G.10)Private Livery Auto-mobile Limousine—An unmarked automobile with a seating capacity not in excess of eight or less that is passengers excluding the driver, operated for hire with a chauffeur, and by the named insured or an employee and used on a prearranged basis for in connection with social and special or business functions, weddings, and funerals, or similar purposes. This classifi-cation does not apply to any automobile which is used in any of the following ways:

Stationed at or for hire from a railroad, bus, or gasoline station, club, stand, hotel, parking lot, street, highway, or other public place.

Used to transport persons for a hotel, travel agency, transportation company, or similar or-ganization.

Used under agreement with a club to provide a regular transportation service for its members and guests.





Operated at fares determined by zone or taxi-meter.

Used to pick up, transport, and discharge pas-sengers along a route or on a schedule.

Used to transport persons for specialized trips or tours such as tennis, aquatics, hiking, golf-ing, and similar activities.

Liability and PIP—(Class Code—See Automo-bile Statistical Plan)

Refer to rate sheets.


See rates for Private Passenger Types on rate sheets.

c. (Current Rule 47.G.12)School Bus—An automobile of any type used to carry school children and that carries students, their par-ents or guardians, members of the faculty, school officials, and other employees, board members nurses, doctors, dentists, and guests or other persons to and from school, or in any in connection with any school activity, and op-erations incidental thereto, including games, and outings, and similar school trips.





Rates

Private passenger automobiles with a seating capacity not exceeding eight passengers ex-cluding the driver.


Private passenger school bus rate shown on the rate sheets.



Other Automobiles


(1) Owned by political subdivisions or school districts.

70% of commercial school bus rate shown on rate sheets.

(2) Owned by others.

Commercial school bus rate shown on the rate sheets.


Fire, Theft, and Comprehensive—See Bus Rates Table A on rate sheets.

Collision—.50 factor applicable to the medium truck collision base premiums.

d. (Current Rule 47.G.5)Church Bus—A bus An auto used by a church to transport adults or children persons to and or from services and in activities incidental to church functions other church related activities. This classification does not apply to public autos used primarily for daily school activities.

Liability and PIP—(Class Code—See Automobile Statistical Plan)

Rate as a school bus.


Seating capacity of eight or less excluding the driver


Seating capacity over eight excluding the driv-er


Collision—2.00 factor applicable to the heavy truck collision base premiums.



(Current Rule 47.G.8)General Passenger Service Bus

A public automobile of any type used to pick up, transport, and discharge passengers along a route and for any other passenger carrying use. Also includes:

Bus Used for Emergency Agricultural Enterprise—A private bus used to transport children to and from Emergency Agricultural Enterprises shall be rated as a school bus if not used for other passenger carrying purposes.

Sampan Buses

A reduction of 15% in Manual rates is applicable to Sampan Buses used as general passenger service buses to pick up, transport, and discharge passen-gers along a route or for any other passenger-carrying use. This reduction is in addition to any other discounts allowed by Manual rules.





Seating capacity of 60 or less

Liability and PIP—(Class Code 5940)

Rate shown on rate sheet.

Physical Damage—(Class Code—See Auto-mobile Statistical Plan)



Seating capacity in excess of 60


150% for bodily injury and personal injury pro-tection and 110% for property damage of the rates applicable to a bus with a seating capaci-ty of 31–60 passengers.

Physical Damage—(Class Code—See Auto-mobile Statistical Plan)

Fire Theft, and Comprehensive—See Bus Rates Table A on rate sheets.


g. (Current Rule 47.G.1)Airport Bus or Airport Limousine—An auto for hire that transports A public automobile of any type used for the transportation of passengers between an air-ports and hotels, docks, and other passenger stations or motels.



50% of bus rate shown on the rate sheet, sub-ject to a minimum of the private livery rate.


(1) Seating capacity of eight or less excluding the driver


(2) Seating capacity over eight excluding the driver



Seating capacity over 60


150% for bodily injury and personal injury pro-tection, and 110% for property damage of the rate applicable to an airport bus with a seating capacity of 31–60 passengers.




h. (Current Rule 47.G.4)Charter Bus—A public automobile of any type with a seating capacity in excess of eight passengers excluding the driver, used An auto chartered for special trips, for touring, picnics, outings, games, and simi-lar uses.


Rate as general passenger service bus.



i. (Current Rule 47.G.13)Sightseeing Bus—An auto accepting individual passengers for a fare for sightseeing or guided tours, making occa-sional stops at certain points of interest and re-turning the passengers to the point of origin.

A public automobile of any type used for sight-seeing and not used to pick up, transport, and discharge passengers along a route.



Rate as a general passenger service bus.


Seating capacity of eight or less excluding the driver.


Seating capacity over eight excluding the driv-er.



Seating capacity in excess of 60


150% for bodily injury and personal injury pro-tection, and 110% for property damage of the rates applicable to a bus with a seating capaci-ty of 31–60 passengers.





EXCEPTIONS:








(1) Employer Furnished Transportation— Transportation is held out by the employer as an inducement to employment, a con-dition of employment, or is incident to em-ployment.




l. (Current Rule 47.G.9)Transportation of Employees—Other than Van Pools—Autos of any type used to transport employees other than in van pools.






Limited Passenger Service Bus

An automobile of any type used in the busi-ness of transporting to or from work employ-ees of one or more employers but not operat-ed at any time as a public livery automobile, taxicab, or general passenger service bus.

Private passenger types


Private livery rate.



Commercial automobile or bus


50% of the bus rate shown on the rate sheets subject to a minimum of the commercial busi-ness use class rate.


Regardless of radius of operation and number of trips per day:



m. (Current Rule 47.G.6) Civic, Charitable, and Welfare Organization Bus

An automobile of any type used by American Legion, Boy Scout, Red Cross, or other civic, charitable, or welfare organization in connection with the activities of such organization for special trips for touring, picnics, outings, games, and similar uses, and not used to pick up, transport, and discharge passengers along a route.


Rate as a school bus.







Social Service Agency Auto


















(Current Rule 46.G.2)Apartment Hotel, Apartment House, Camp, Country Club, Department Store, Golf Club, Hotel, and Real Estate Development Bus

An automobile of any type used for transportation of passengers between one such named estab-lishment and airports, docks, and other passenger stations. Also includes:

Bus Used for Plantation Athletic or Recreational Association—This Rule is extended to include automobiles of any type owned, operated, and used by athletic or recreational associations, which are closely identified with plantation activities. Such automobiles shall be used primarily for the trans-portation of players, members of the association, and their families and at the same time for the occasional transportation of other persons, for meetings, picnics, outings, games, and similar functions, where no fare is charged.

Bus Used on Military Reservation Only—Buses operated exclusively within the limits of a military reservation (excluding those used exclusively as school buses).

Bus or Commercial Automobile Operated by Ships Service Stores, Post Exchanges, etc., to transport personnel—Automobiles of the bus or commercial type operated by ships service stores, post ex-changes, educational and recreational funds, officers clubs and similar organizations of the Armed Forces, used principally to transport Army and Navy personnel and others without charge. Nothing in this ruling shall conflict with the applica-tion of Rule 95. Transportation of Employees.



60% of private livery rate, subject to a mini-mum of the rates shown on the rate sheets for Private Passenger Types.









(Current Rule 46.G.3) Cemetery Bus

Buses used solely for transporting passengers between the cemetery and other public carrier stations and about the premises.












(Current Rule 46.G.7) Club Livery Automobile

A public automobile of any type with a seating not in excess of eight passengers excluding the driver, the use of which is limited by written contract with a designated club to provide a regular transportation service to members and guests, and incidental private livery use.


50% of the public livery rate, subject to a minimum of 110% of the private livery rate.



(Current Rule 46.G.14) Spare or Substitute Bus

Liability, PIP, and Collision Coverages Only

A bus not in daily service and used only as a spare bus or as a temporary substitute for a general





passenger service bus while such bus is withdrawn from normal use because of its breakdown, repair, servicing, loss, or destruction. This classification is applicable only if the company insures all general passenger service buses owned or operated by the named insured.


25% of the general passenger service bus rate for the highest rated route traveled for each such bus.

Collision—(Class Code 562)

25% of the general passenger service bus rate for the highest rated route traveled for each such bus.

(Current Rule 46.G.15)Star Mail Route Bus

An automobile of any type operated under a Star Route Service contract for the transportation of mail and parcel post to and from post offices and including rural delivery service and used to transport passengers for a charge.

Seating capacity of eight or less excluding the driver.


150% of the private livery rate.


Fire, Theft, and Comprehensive—See rates on rate sheets applicable to type of automobile.

Collision—Two times rate applicable to type of automobile.

Seating capacity over eight excluding the driv-er.


Rate as general passenger service bus, sub-ject to a minimum of 150% of the private livery rate.





(Moved to Rule 53)ADDITIONAL CHARGES

For public livery automobile or taxicab risks, an additional charge shall be made on the basis of points accumulated during the 36 months immediately preceding the date of application for assignment, and in the case of renewal, during the 36 months immediately preceding the effective date of the renewal policy. Points shall be assigned for convictions of, and accidents involving, the applicant as an owner or operator, and for convictions of, and accidents involving, anyone who usually operates the motor vehicle.

Eight points shall be assigned for each of the following convictions, including points assignable for the accident:

driving a motor vehicle while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property results therefrom,

revocation of privilege to drive motor vehicle upon refusal to submit to test where injury to person or damage to property results therefrom,

failing to stop and report when involved in an accident,

homicide or assault arising out of the operation of a motor vehicle.

Six points shall be assigned for each of the following convictions, including points assignable for the accident:

driving a motor vehicle at an excessive rate of speed where injury to person or damage to property results therefrom,

driving a motor vehicle in a reckless manner where injury to person or damage to property results therefrom.

Six points shall be assigned for each of the following convictions:

driving a motor vehicle while under the influence of intoxicating liquor or narcotic drugs where injury to person or damage to property does not result therefrom,

revocation of privilege to drive motor vehicle upon refusal to submit to test where injury to person or damage to property does not result therefrom.

Five points shall be assigned for each of the following convictions:

operating a motor vehicle during period of revocation or suspension of registration or license, not including points assignable for any accident that may result,

operating a motor vehicle without state or owner’s authority, not including points assignable for any accident that may result,

loaning operator’s license to an unlicensed operator,

the making of false statements in the application for license or registration,

impersonating an applicant for license or registration, or procuring a license or registration through impersonation whether for himself or another.

Four points shall be assigned for each of the following convictions:

driving a motor vehicle in a reckless manner where injury to person or damage to property does not result therefrom,

permitting an unlicensed person to drive.

Three points shall be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for driving a motor vehicle at an excessive rate of speed where injury to person or damage to property does not result therefrom.

Three points shall be assigned in the case of one conviction, and four points shall be assigned for each additional conviction for operating a motor vehicle without motor vehicle insurance.

One point shall be assigned for one conviction and two points shall be assigned for each additional conviction, in the case of convictions for a moving traffic violation other than those set forth above, unless the conviction resulted





from an accident for which points are assignable, in which case only the points for the accident shall be assigned.


any motor vehicle equipment requirement of the motor vehicle and traffic laws, except brakes;

failure to display proper number plates provided such plates are in existence;

failure to have in possession operator’s or chauffeur’s license provided there is one in existence.

Two points shall be assigned for each automobile accident involving the applicant, or anyone who usually operates the motor vehicle, while operating any motor vehicle resulting in:

bodily injury or death, or

damage to any property including his own.

EXCEPTIONS: Points shall not be assigned under this subsection against the applicant for involvement in an accident:

(1) which occurred while the motor vehicle owned or operated by the applicant or other person who usually drives the applicant’s motor vehicle was lawfully parked; nor

(2) for involvement in an accident in which the motor vehicle was struck by a hit-and-run driver, if such accident was reported to the proper authority within 24 hours; nor

(3) for involvement in an accident as a result of which the applicant or other person who usually drives the applicant’s motor vehicle obtained a judgment against, or a settlement from or on behalf of, the owner or operator of another vehicle involved in such accident, if the judgement or settlement was obtained prior to the date of application or, in case of renewal, prior to the effective date of the renewal policy, and provided no judgment was obtained against, nor any amount paid in settlement by or on behalf of, the applicant or other person who usually drives the applicant’s motor vehicle, as a result of such accident; nor

(4) for involvement in an accident in connection with which neither the applicant or other person who usually drives the applicant’s motor vehicle was convicted of a

moving traffic violation, and the owner or operator of another vehicle involved was so convicted; nor

(5) accidents resulting in payment under personal injury protection or additional personal injury protection and applicant or anyone who usually operates the motor vehicle is not at fault; nor

(6) accidents involving damage by contact with animals or fowl; nor

(7) accidents involving physical damage, limited to and caused by flying gravel, missiles, or falling objects.

The term “conviction” wherever used in this Manual shall be deemed to include a forfeiture of bail, penal summons, bench warrants outstanding for failure to appear, or a determination by a juvenile court authority, formally or informally, that an offense has been committed.

Additional charges for points shall be made on the basis of the following:

Point Value Additional Charges

1 penalty point 5%

2 penalty points 10%






Note: Points applicable to risks of two or more motor vehicles shall be applied first to the highest rated motor vehicle, and any points in excess of seven shall be applied to the next highest rated motor vehicle or motor vehicles in succession.

Additional charges are applicable to fleets.

The “Note” ending this section (j), does not limit its application to four or less vehicles, but applies to two or more vehicles without limitation.







Radius Local




Factor CD

1.00 4189

2.70 4189

1.15 4199

3.10 4199

Limousine Factor CD

0.40 4289

1.35 4289

.45 4299

1.55 4299



Factor CD

1.20 618

.50 618

1.40 619

.55 619


1.50 628

.50 628

1.75 629

.55 629


1.00 638

1.00 638

1.15 639

1.15 639

Other Buses

Urban Bus Factor CD

.80 518

1.45 518

.90 519

1.65 519


.70 528

1.55 528

.80 529

1.80 529


1.05 538

.95 538

1.20 539

1.10 539


1.00 548

1.55 548

1.15 549

1.80 549


.75 558

.90 558

.85 559

1.05 559


.45 568

1.40 568

.50 569

1.60 569


Factor CD

.55 648

1.20 648

.65 649

1.40 649


.50 658

1.20 658

.60 659

1.40 659


.55 588

1.25 588

.65 589

1.45 589


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor

CD 1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124







Radius Local




Factor CD

1.00 4159

2.70 4159

1.15 4169

3.10 4169

Limousine Factor CD

0.40 4259

1.35 4259

.45 4269

1.55 4269



Factor CD

1.20 615

.50 615

1.40 616

.55 616


1.50 625

.50 625

1.75 626

.55 626


1.00 635

1.00 635

1.15 636

1.15 636

Other Buses

Urban Bus Factor CD

.80 515

1.45 515

.90 516

1.65 516


.70 525

1.55 525

.80 526

1.80 526


1.05 535

.95 535

1.20 536

1.10 536


1.00 545

1.55 545

1.15 546

1.80 546


.75 555

.90 555

.85 556

1.05 556


.45 565

1.40 565

.50 566

1.60 566


Factor CD

.55 645

1.20 645

.65 646

1.40 646


.50 655

1.20 655

.60 656

1.40 656


.55 585

1.25 585

.65 586

1.45 586


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor CD

1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124











Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses


Not Secondary

Rated


Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses


Not Secondary

Rated

E. (Current Rule 47.B.1)If a bus truck, tractor, or trailer is rated at commercial rates, the size class shall be determined from as a public auto, determine the seating capacity from the size as follows:


Light 1–8 Medium 09–20 Heavy Over 20 21–60

Extra-Heavy Over 60

Rule 79. NAMED NONOWNER POLICY

(Moved to Rule 30 in this Manual)A named nonowner policy shall be written to provide basic bodily injury liability and property damage liability coverages for any applicant. A DHS certificate shall not be acceptable in lieu of payment for this policy.

Refer to Private Passenger Manual.







Coverage

Base Rate (Rate

schedules And Rule

55)

Physical Damage


Fleet Factor

(Rule 92)


(Rule 93)


(Rule 93)


(Rule 52)

PIP Deductible

Factor (Rule 57)

Experience Rating



Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB.

NA X

X ( +/- ) X

NA X X

=

PD LIAB.

NA X

X (

+/- ) X

NA X X

=

PIP

NA X

X (

+/- ) NA X

X X

=

UM

NA NA NA NA X

NA NA

NA =

UIM

NA NA NA NA X

NA NA

NA =

COMP. X

X

X ( +/- ) NA

NA X NA

=

COLL. X

X NA X ( +/- ) NA

NA X NA

=

TOTAL =






This section applies to those motor vehicles that are subject to Chapter 431:10C, Hawaii Revised Statutes.









Rule 133. AMBULANCES AND INVALID CARS SERVICES

A. A policy written in accordance with this Rule shall will not be endorsed to exclude coverages required under Chapter 431:10C, Hawaii Revised Statutes.



D. AmbulancesPremium Development—Residual Bodily Injury and Property Damage Liability and Personal Injury Protection Coverages


1. Used by an employer to carry only his own injured employees


2.00 factor applicable to the commercial nonfleet base premiums.

2. All Others






.40 .60 1. Used by an employer to carry only his own injured

employees


Fire, Theft, and Comprehensive—Medium Truck Base Premiums.

Collision—1.50 factor applicable to the medium truck base premiums.

2. All Others




Invalid Cars

If Used for Emergency Purposes




Fire, Theft, and Comprehensive—medium truck base premiums.

Collision—(See Emergency Operation Rule)

1.50 factor applicable to the medium truck base premiums.

All Others






Rule 134. AUTOMOBILE SCHOOLS AND DRIVER TRAINING PROGRAMS—EDUCATIONAL INSTITUTIONS AND COMMERCIAL DRIVING SCHOOLS

LIABILITY AND PIP COVERAGES ONLY

(Class Code 7040)


1. Eligibility

This section applies to private passenger automo-biles used for driver training as part of the a school curriculum. of elementary schools, secondary schools, or colleges shall be rated as follows:



SPECIAL TYPES



a. Private passenger automobiles For autos equipped with dual controls, multiply the Pri-vate Passenger Types base rate on the rate schedules by .50. There must be dual brakes to qualify as dual control. shall be written at 75% of the rates shown on the rate sheets for Private Passenger Types.

Such dual control must apply at least to clutch and brake or, as respects automobiles equipped with automatic transmission, to igni-tion switch and brake or to accelerator and brake.

b. For autos not equipped with dual controls, multiply the Private Passenger Types base rate on the rate schedules by 1.00. All other such private passenger automobiles shall be written at the rates shown on the rate sheets for Private Passenger Types.




For Class Code refer to Automobile Statistical Plan.

Note: The percentage factor applicable to the above Liability and pip coverages shall also apply to the fire, theft, C.A.C., comprehensive and collision coverages.

Fire, Theft, C.A.C. or Comprehensive—See rate sheet for applicable vehicle types.

Collision—See rate sheet for applicable vehicle types.





1. Eligibility


Automobiles used in automobile schools giving driving instruction only shall be rated as follows:

Automobiles NOT used for driving instruction shall be written in accordance with the applicable rules in this Manual.

Owned private passenger automobiles equipped with dual control and used for driving instruction with an instructor in attendance shall be written at the rates shown on the rate sheets for Private Passenger Types. Such dual control must apply at least to clutch and brake or, as respects automo-biles equipped with automatic transmission, to ignition switch and brake or to accelerator and brake.

All other owned private passenger automobiles used for driving instruction shall be written at 200% of the rates shown on the rate sheets for Private Passenger Types.

For owned automobiles used for driving instruction, other than private passenger automobiles, the primary classification rating factor for the commer-cial size class of the vehicle shall be increased 200%. This factor shall be applied to the rates shown on the rate sheets.







Note: The percentage factor applicable to the above Liability and pip coverages shall also apply to the fire, theft, C.A.C., comprehensive and collision coverages.

Fire, Theft, C.A.C. or Comprehensive—See rate sheet for applicable vehicle types.

Collision—See rate sheet for applicable vehicle types.









6. Nonowned Autos


b. Premium Development—Multiply the Private Passenger Types rate on the rate schedules by 1.00 for each instructor in excess of the number of owned autos.



SPECIAL TYPES





B. Eligibility







Automobiles owned or used by agencies of a government (federal, state, or any political subdivi-sion) or fire departments shall be rated as follows:

2. Private Passenger Types



Trailer Types


3. All Other Types


If stationed at headquarters, precincts, or sta-tions whether or not for emergency use


1.60 factor applicable to the Commercial Nonfleet Base Premiums.

If not stationed at headquarters, precincts, or stations







.40 .45

(Class Code 911)

50% of rates for Private Passenger Types on rate sheets.

2. All Other Types



.35 .35 If stationed at headquarters, precincts, or sta-tions whether or not for emergency use


Fire, Theft, and Comprehensive—See rate sheets.

Collision—heavy truck base premiums.




Automobiles owned by a funeral director shall be written at the following rates:

A. Eligibility




1. Limousines


Private Passenger Types

If used by a funeral director for carrying persons in funeral processions (to or from cemeteries or burial grounds) including other passenger carrying operations incidental to the named insured’s business.


Funeral car rate shown on rate sheets.

If not used to carry persons other than clergymenin funeral processions.


Rates shown on rate sheets for Private Passenger Types.

2. Hearses or Service Cars and Flower Cars


SPECIAL TYPES





Hearse rate shown on rate sheets.




Bodily Injury and PIP—3.00 factor applicable to the commercial nonfleet base premiums.

Property Damage—2.00 factor applicable to the commercial nonfleet base premiums.

4. Commercial Automobiles Used for Other Purposes



Applicable commercial classification.


1. Limousines



If used by a funeral director for carrying persons in funeral processions (to or from cemeteries or burial grounds) including other passenger carrying operations incidental to the named insured’s business.


70% of rates shown on rate sheets for Private Passenger Types.

If not used to carry persons other than clergymen in funeral processions.


70% of rates shown on rate sheets for Private Passenger Types.




.50 .45 Physical Damage—(Class Code 542)

Fire, Theft, and Comprehensive—.50 factor appli-cable to the light truck base premiums.

Collision—.40 factor applicable to the light truck base premiums.





Collision—light truck base premiums.



Physical Damage—(See Commercial Automobile Codes)

Applicable commercial classification.

Flower Cars, Automobiles Designed for the Specific Purpose of Carrying Flowers in a Funeral Procession


Hearse rate shown on rate sheets.



Collision—.70 factor applicable to the light truck base premiums.

Rule 137. POLICE DEPARTMENTS LAW ENFORCEMENT AGENCIES


B. Eligibility

1. Automobiles owned or used by agencies of a government (federal, state, or any political subdivi-sion) or police department shall be rated as follows: This Rule applies to autos used by government agencies, or by public or private police or security services.




1. Private Passenger Types Autos




2. Trailer Types


3. All Other Types


SPECIAL TYPES




a. If stationed at headquarters, precincts, or stations, whether or not for emergency use



b. If not stationed at headquarters, precincts, or stations







.90 1.00



2. Trailer Types


3. All Other Types



.90 .90 If stationed at headquarters, precincts, or sta-tions, whether or not for emergency use

Physical Damage—(Class Code—See Com-mercial Automobile Codes)

1.50 factor applicable to the medium truck base premiums.


Physical Damage—(Class Code—See Com-mercial Automobile Codes)

1.50 factor applicable to the medium truck base premiums


LIABILITY AND PIP COVERAGES ONLY

A. General

1. Automobiles Leased or Rented to Others with Drivers

Commercial automobiles shall will be classified and rated in accordance with the Truckers Truckmen Rule. All other automobiles shall will be classified

on the basis of use as set forth in the Public Auto-mobile Classifications Rule and rated accordingly.

2. Automobiles Leased or Rented to Others Without Drivers—Specified Car

For rating purposes, automobiles leased by the named insured which that are to be rented to others will shall be considered owned by the automobile leasing or rental concern and rated under the provisions of this Rule.

3. For commercial automobiles leased or rented to truckers truckmen and buses public autos leased or rented to bus risks public transportation opera-tions, refer to Rule 2.

Submit proposed HJUP rate for approval to the Insurance Commissioner.

B. Premium Determination Development—Residual Bodily Injury and Property Damage Liability, Personal Injury Protection, Comprehensive, and Collision Coverages

The premium for A risks engaged in leasing or renting automobiles or trailers or motor homes to others without drivers shall be is insured on the specified car basis in accordance with the appropriate endorsement. The premium is to be determined on the basis of the territory in which the automobile is principally garaged and in accordance with the following provisions:

1. Specified Auto Car Basis—Automobiles Leased for One Year or More—Coverage for Owner and Rentee

a. Private passenger and commercial automo-biles and commercial trailers and motor homes shall will be rated at the classification rates applicable to the lessee.

b. Private passenger and commercial automo-biles and commercial trailers awaiting assign-ment or reassignment shall will be rated as fol-lows:

(1) Private Passenger—Multiply the Private Passenger Types rate shown on the rate schedules by 1.00. Rates shown on the rate sheets for Private Passenger Types. (Class Code 5995)


(a) Trucks or Tractors 4.00

(b) Trailers .25

(c) Semitrailers .25

(d) Service Trailers .25

Commercial (Class Code 5996)

Multiply the commercial nonfleet rates shown on the rate sheets by the following factors.

Truck or Tractor 4.00

Trailer, Semitrailer, Service Trailer.25

c. Trailers Designed for Use with Private Pas-senger Automobiles


SPECIAL TYPES



(1) Mobile Home Trailers—Multiply the Trucks, Tractors, and Trailers rate on the rate schedules by .40. factor applicable to the commercial nonfleet base rates shown on the rate sheets.

(2) All Others—Charge $13 for residual bodily injury, $20,000/40,000 limit and $5 proper-ty damage, $10,000 limit. and $4 PIP, $10,000 limit.

2. Specified Car Auto Basis—Automobiles Rented by the Hour, Day, Week, or Month—Coverage for Owner and Rentee

a. Rate each automobile as follows:

(1) Private Passenger—Multiply the Residual Bodily Injury and Property Damage Liabil-ity Private Passenger Types base rates on the rate schedules by 3.50. 2.50. (Class Code 5993)



.509 1.389 (3) Multiply the Trucks, Tractors, and Trailers

rate on the rate schedules by the following factors:

RBI and PD

Liability and PIP

Physical Damage



Commercial (Class Code 5994)

Multiply the commercial nonfleet rates shown on the rate sheets by the following factors.

Truck or Tractor 4.00

Trailer, Semitrailer, Service Trailer .25

(4) Motor Homes—Multiply the rates premium developed by in the Mobile Motor Homes Rule by the following factors:


Physical Damage

2.00 3.00

b. Trailers Designed for Use with Private Pas-senger Automobiles


Mobile Home Trailers—Multiply the Trucks, Tractors, and Trailers rate shown on the rate schedules by .80. factor applicable to the commercial nonfleet base rates shown on the rate sheets.

All Others—Charge $26 for residual bodily in-jury, $20,000/40,000 limit and $9 property damage, $10,000 limit. $9 PIP, $10,000 limit.

Specified Car Basis—Automobiles Rented for less than One Year but Not by the Hour, Day, Week, or Month

Submit proposed HJUP rate for approval to the Insurance Commissioner.


Physical Damage

Automobiles of the private passenger, mobile home, camping trailer type, or trailer designed for use with private passenger automobiles, rented without driver in attendance, and not operated or controlled by the insured or by a person regularly employed by him as chauffeur (Class Code 531).

Exception: Motor vehicles as defined above which are rented under a term con-tract of not less than one year, are not subject to these rules but are sub-ject to Private Passenger Types or Mobile Homes rules and rates.

Only the following coverages are available:

Fire Rate

Charge Manual rate plus 25 cents per $100 of insurance.

Fire and Theft Rate—Excluding conversion, em-bezzlement, or secretion by rentee or lessee

Charge Manual rate plus $1 per $100 of insur-ance.

Attach Livery Permit Form “C”.

Collision

Private Passenger Automobiles

Charge three times the rates shown on the rate sheets for Private Passenger Types.

Mobile homes

Charge three times the mobile homes collision premium.

Rented Commercial Automobiles (except any automobile rented and used principally as a public or livery conveyance) are not subject to these rules but are subject to regular commercial automobile rules and rates.

C. Endorsements




SPECIAL TYPES



Rule 139. SPECIAL OR MOBILE OR FARM EQUIPMENT

This section applies to those motor vehicles that come under the requirements of motor vehicle registration and are operated or used upon any public street, road, or highway. This section does not apply to vehicles exempt from Chapter 431:10C, Hawaii Revised Statutes.

A. Eligibility



Equipment Where Coverage for Operations Is Excluded

Operations coverage shall be excluded. Full coverage may be provided only under general liability insurance.

Class Code Phys. Dam. Liability

Liab. Nonfleet

Base Prem. Factor

Phys. Dam. Misc. Group

971 7916 Air compressors, sand blast-ing or other building surfacecleaning machinery, vacuumcleaners (not streetcleaners), welding apparatus 1.00 1

971 7917 Cranes, ditch or trench dig-gers, steam or gas shovels,geophysical trucks, oil wellservicing trucks, tree or otherspraying equipment .............. 1.25 1

Special equipment used insuch operations must bepermanently mounted uponthe motor vehicle insuredand so constructed that noother load can be carriedupon such vehicle.

971 7030 Well drilling machinery ..........

A minimum premium of $10bodily injury, $20,000/40,000limit; $5 property damage,$10,000 limit; and $8 PIP,$10,000 limit is applicable.

.60 1

Equipment Where Full Liability Coverage Is Provided


Liab. Nonfleet

Base Prem. Factor


971 7918 Bulldozers, asphalt spread-ers, concrete mixers (other than trucks equipped with agitator for mixing concrete in transit), road graders, road oilers, road rollers, road scrapers, tar spreaders, snow plows, snow loaders, snow blowers, street cleaners, street sweepers, street flushers, street sprinklers .............................. 1.25 1

971 7030 Baggage or freight trucks specially-constructed trucks or tractors used to carry bag-gage or freight at a dock, bus station or terminal, or airport, operated between such places or on the ways contiguous thereto and while at the place of garaging or operated to or from such place of garaging or servicing ............................... — 1

BI $15, $20,000/40,000 limit. PD $5, $10,000 limit. PIP $12, $10,000 limit.

Trailers or semitrailers used as attachments to baggage or freight trucks or tractors: — 1

BI, PIP, and PD 25% of above rates.

972 7030 Harvesting Combines, Self-propelled

The liability insurance afforded by the policy with respect to self-propelled harvesting combines shall also apply to a trailer or semitrailer when used in connection with such vehicles including farm wagons and farm implements, but not to a home, office, store, display or passenger trailer. Coverage shall not extend to the operation of farm machinery ............................. 1.60 2

972 7939 Farm Tractors or Power-driven Lawn Mowers

BI $7, $20,000/40,000 limit. PD $3, $10,000 limit.PIP $6, $10,000 limit ............ — 2


SPECIAL TYPES




Liab. Nonfleet

Base Prem. Factor


Liability coverage for the attachment of trailersand semitrailers including farm wagons, and foragricultural or farm implements shall beincluded, but such coverage shall not extend tothe operation of farm machinery.

Attach applicable endorsement for physicaldamage.

971 — Tractors (not of the truck orfarm type) and Tractorequipment (not of the farmtype) ...................................... — 1

For liability coverages refer to Commercial Use Classifications Rule.

— 7030 Industrial Trucks and Commercial Automobiles Used on Premises.

B. Definitions

1. Mobile Equipment













(a) snow removal;






2. Farm Equipment


C. Premium Development—Residual Bodily Injury and Property Damage Liability and PIP Personal Injury Protection Coverages Only

Commercial automobiles including specially constructed truck or tractor units, usually low four wheel gas or electric trucks, used only on the named insured’s premises, on the ways contiguous thereto, and while at the place of garaging or servicing.

BI $7, $20,000/40,000 limit. PD $3, $10,000 limit. PIP $6, $10,000 limit.

The foregoing rates apply to commercial automobiles and industrial trucks owned by a political subdivision, provided such vehicles are used at specific premises or locations owned or maintained by the political subdivision.

Trailers or semitrailers used as attachments to the foregoing commercial automobiles or industrial trucks:

BI, PIP, and PD 25% of above rates.





Refer to Rule 2.

D. Premium Development—Physical Damage Coverage Only

(See Comm. Codes) —

For commercial automobiles and all trailers described above: ........

UseLocal

Radius

971 — Industrial Trucks only ................ — 11. Equipment Owned and Leased for Six Months or

Longer


Mobile Equipment

Farm Equipment




SPECIAL TYPES



Refer to Rule 2

E. Endorsements



Rule 140. MOBILE MOTOR HOMES

A. (Moved to Rule 31)Trailers

1. Mobile home trailers equipped as living quarters (including cooking, dining, plumbing, or refrigera-tion facilities), other than recreational or camper types designed for use with a private passenger automobile, but including such vehicles when rated as part of a fleet.


3. Rates—Bodily injury, PIP, and property damage liability—.40 factor applicable to the commercial nonfleet base premiums.


Note: All camper trailers shall be rated as Mobile Home Trailers

Motor Homes

A motor home is a self-propelled automobiles with a living area that is an integral part of the auto chassis. The living area typically consists of equipped as living quarters (including cooking, dining, sleeping, plumbing, or and refrigeration facilities.

B. Residual Bodily Injury PIP, and Property Damage Liability and Personal Injury Protection Coverages

1. Overall length not exceeding 22 feet—(Class Code 7954)Multiply the trucks, tractors and trailers nonfleet base rate on the rate schedules by .60. 1.25 factor applicable to the commercial nonfleet base premiums.

2. Overall length exceeding 22 feet(Class Code 7955)—Multiply the trucks, tractors, and trailers nonfleet base rate on the rate schedules by .75.—1.60 factor applicable to the commercial nonfleet base premiums.







See mobile homes rates on rate sheets.

(Moved to Rule 31)Camper Bodies

Pickup trucks used solely in connection with and to transport a camper body or other similar living quarters.

Bodily Injury, PIP, and Property Damage Liability—(Class Code 7954)—1.25 factor applicable to the commercial nonfleet base premiums.

Physical Damage—Rate as a Motor Home.

Pickups used to transport a portable camper body or similar living quarters but also used for other purposes.

Bodily Injury, PIP, and Property Damage Liability—Rate according to the otherwise regular use of the pickup trucks.

Physical Damage—Rate (both pickup and camper body) according to the otherwise regular use of the pickup truck.


Policy Term—Policies covering mobile homes may be issued for a term not exceeding 12 months.

Trailers shall be insured under policies as a separate item of insurance and with separate premiums indicated therefor. If deductible form of coverage is written, the deductible shall be made to apply separately to each unit.

Fire, theft, and comprehensive coverages may be written on stated amount basis only.

The applicable endorsement must be attached to the policy.

Rule 141. ANTIQUE AUTOMOBILES

A. Antique Autos

An antique automobile is an auto motor vehicle of the private passenger type that is 25 or more years old and that is maintained primarily solely for use in exhibitions, club activities, parades, and other functions of public interest, and occasionally used for other purposes.

B. Residual Bodily Injury and Property Damage Liability and PIP Personal Injury Protection Coverages Only (Class Code 9620)

Charge 25% of the rates shown on the rate sheets for Multiply the otherwise applicable Private Passenger Types rate by .14, subject to a minimum premium of $12 for residual bodily injury, $20,000/40,000 limit; $5 property damage, $10,000 limit; and $4 PIP personal injury protection $10,000 limit.



Physical Damage Coverage Only (Class Code 962)



SPECIAL TYPES






These vehicles are to be insured on stated amount basis only. $100 deductible applies to the coverages of fire, theft, comprehensive, and collision.

Fire Rate—28 cents per $100 of insurance.

Theft Rate—28 cents per $100 of insurance.

Comprehensive Rate—$1.00 per $100 of insur-ance.

Collision Rate—$1.15 per $100 of insurance.

D. Attach applicable the Stated Amount Insurance Endorsement.


Rule 95. TRANSPORTATION OF EMPLOYEES

LIABILITY, PIP, AND PHYSICAL DAMAGE COVERAGES


A. If the named insured is in the business of transporting employees of one or more employers to or from work, automobiles so used shall be classified and rated as limited passenger service buses.

B. An automobile owned by the employer and used for the transportation of his employees and occasionally other persons shall be rated as follows:

1. Private Passenger Automobiles—rates shown on the rate sheets for Private Passenger Types.

2. Commercial Automobiles—commercial classifica-tion applicable to the risk.

3. Bus

Bodily Injury—2.00 factor applicable to the com-mercial nonfleet base premiums.

Property Damage—1.60 factor applicable to the commercial nonfleet base premiums.

PIP—Charge applicable commercial nonfleet base premiums.

Physical Damage—Charge applicable commercial nonfleet base premiums.

C. Except as provided in A above, an automobile owned by other than the employer and used for the transporta-tion to or from work of employees of one or more employers shall be rated as follows:

1. Private Passenger Automobiles—Rates shown on the rate sheets for Private Passenger Types.

2. Commercial Automobile or Bus

a. Not More Than One Round Trip Per Day

(1) No fare charged—Commercial classifica-tion rate applicable to the risk.

(2) Fare Charged

Bodily Injury—125% of the commercial classification rate applicable to the risk.

Property Damage—Commercial classifi-cation rate applicable to the risk.

PIP—Commercial classification rate appli-cable to the risk.

Physical Damage—Commercial classifica-tion rate applicable to the risk.

b. More Than One Round Trip Per Day—Classify and rate as limited passenger service bus.

D. Seating Capacity

When a bus is rated at commercial rates, the size class shall be determined from the seating capacity as follows:

Seating Capacity Size Class

0–20 Over 20

Medium Heavy

Rule 101. GOLFMOBILES AND ANY OTHER

SIMILAR MOTOR VEHICLE USED FOR COMMERCIAL PURPOSES

Vehicles of this type are rated as commercial automobiles—nonfleet, if it is subject to Chapter 431:10C, Hawaii Revised Statutes.

Rule 115 FLEET PLAN—ELIGIBILITY

A. A risk of five or more automobiles of any type owned by one insured is a fleet and may be written as follows:

If all licensed automobiles and trailers of the risk are NOT insured in the same company, a policy covering any number of such automobiles may be eligible provided the number of automobiles so written by all companies is not less than five. If so written, the following provisions apply:

The policy shall contain a complete description of all licensed automobiles and trailers for which coverage is provided by year of model, trade name and identifica-tion or serial number, territory, business use, size class, seating capacity, etc. as required by applicable Manual rules.

B. It is not permissible to apply any other underwriting basis contained in this Manual to automobiles insured in accordance with this Rule.

C. This Rule does not apply to the following types of automobiles:

1. Automobiles and trailers owned by employees of the insured, by partners, individuals, or officers of a corporation whether or not used in connection with the insured’s business.

2. Automobiles and trailers hired by the insured. However, automobiles, other than as specified in 1 above, hired by the insured under a long-term contract ARE ELIGIBLE. References in this Rule to owned automobiles and trailers include automo-


SPECIAL TYPES



biles and trailers hired under long-term contracts and insured on a specified car basis at the same rates as though they were owned by the insured.


SPECIAL TYPES



CR–1




CR–2


NOTES


CR–3


COMMERCIAL AUTO MANUAL LIABILITY RATES


Commercial and Private Passenger Type Automobiles TRUCKS, TRACTORS, AND TRAILERS

Territory




01 $298 $202 $192 $327 $213 $19203 192 121 164 212 126 16404 175 111 157 192 116 15705 187 119 225 205 124 225

Commercial Automobiles Residual Bodily Injury Liability

Nonfleet Fleet

Limit 20,000/40,000 20,000/40,000

Territory (1) (2)

01 293 322

03 189 208

04 172 189

05 184 202 Commercial Automobiles Property Damage Liability

Nonfleet Fleet

Limit 10,000 10,000

Territory (1) (2)

01 199 209

03 119 124

04 109 114

05 117 122 Fleet and Nonfleet Personal Injury Protection

Commercial Private Passenger Types

Limit 10,000 10,000

Territory (1) (2)

01 188 310

03 161 301

04 154 306

05 221 341


CR–4



Territory Residual

BI Liability PD Liability PIP 01 $547 $259 $29303 478 181 28504 476 181 29005 497 209 323

Fleet and Nonfleet

Residual Bodily Injury Liability Property Damage Liability

Limit 20,000/40,000 10,000

Territory (1) (2)

01 568 264

03 497 184

04 494 184

05 516 213

VAN POOLS

Territory Residual


01 $414 $281 $207 03 267 168 177 04 243 154 170 05 260 165 243


Territory Residual


01 $1,190 $489 $881 03 772 294 755 04 698 267 724 05 750 286 1039


Territory Residual



CR–5




OTHER BUSES

Territory Residual


01 $1,137 $553 $823 03 737 331 705 04 668 303 675 05 718 324 970

Public Automobiles

Territory 01 Territory 03 Territory 04 Territory 05

Limits RBI

20,000 PD

10,000 PIP

10,000 RBI

20,000PD

10,000PIP

10,000RBI

20,000PD

10,000PIP

10,000 RBI

20,000 PD

10,000PIP

10,000

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

PUBLIC AUTOS

Specified Car:

Private Livery 679 282 507 440 169 435 398 154 417 428 164 597

Public Livery 1,132 469 845 734 282 724 664 256 694 713 274 996

SCHOOL BUSES

Private Passenger 343 234 494 300 163 480 298 163 487 311 189 543

Commercial or Bus

0–30 Passengers 382 297 369 248 178 316 224 163 303 241 174 435

31–60 Passengers 477 372 461 309 223 395 281 204 378 301 218 543

Over 60 Passengers 535 416 516 347 250 442 315 228 424 338 243 608

OTHER BUSES

0–12 Passengers 1,909 446 1,843 1,238 267 1,579 1,122 244 1,513 1,205 261 2,173

13–20 Passengers 2,386 557 2,303 1,547 334 1,973 1,403 306 1,891 1,506 326 2,716

21–30 Passengers 2,863 669 2,764 1,857 402 2,368 1,683 366 2,269 1,807 392 3,259

31–60 Passengers 3,435 802 3,317 2,228 481 2,841 2,020 440 2,723 2,168 470 3,911

Over 60 Passengers 3,817 891 3,685 2,475 535 3,157 2,244 488 3,025 2,409 521 4,345

MISCELLANEOUS

Hearses 271 183 191 238 128 186 235 128 189 246 147 211

Funeral Cars 541 229 383 475 160 372 471 160 378 493 185 422


CR–6


UNINSURED MOTORISTS

Rate Per Auto

$20,000/40,000 Limits

Stacked Nonstacked

PPType Public Autos Comm All Other


$62 $95 $37 $31 $47 $19


Rate Per Auto

$20,000/40,000 Limits

Stacked Nonstacked



117 220 88 58 110 44 All Territories

$20,000/40,000 Uninsured Motorist: Rate per vehicle. $20,000 Underinsured Motorist: Rate per vehicle. $20,000/40,000 Residual Bodily Injury $10,000 Property Damage $10,000 Personal Injury Protection $20,000/40,000 Uninsured Motorist $20,000/40,000 Underinsured Motorist

C(PhD)–1





C(PhD)–2


NOTES


C(PhD)–3






Cost New Group 01 03 04 05 01 03 04 05

$0-6,500 1 $50 $32 $44 $27 $320 $326 $313 $389 2,3 45 28 39 24 288 294 282 350

4,5 40 25 35 22 256 261 250 311 6 32 20 28 18 208 212 203 253

6,501-8,000 1 66 42 58 36 376 384 368 458 2,3 59 38 52 32 338 346 331 412

4,5 53 34 46 29 301 307 294 366 6 43 27 38 23 244 250 239 298

8,001-9,000 1 80 51 70 44 410 419 401 499

2,3 72 46 63 39 369 377 361 449

4,5 64 41 56 35 328 335 321 399

6 52 33 46 28 266 272 261 324

9,001-10,000 1 90 58 79 49 436 445 427 531

2,3 81 52 72 44 393 401 384 478

4,5 72 46 64 39 349 356 342 425

6 59 37 52 32 284 290 277 345

10,001-11,250 1 102 65 89 55 459 468 449 559

2,3 91 58 80 50 413 422 404 503

4,5 81 52 71 44 367 375 359 447

6 66 42 58 36 298 305 292 363

11,251-12,500 1 113 72 99 62 481 492 471 586

2,3 102 65 89 55 433 442 424 528

4,5 90 57 79 49 385 393 377 469

6 73 47 64 40 313 319 306 381

12,501-13,750 1 123 79 108 67 508 518 497 618

2,3 111 71 98 61 457 467 447 556

4,5 99 63 87 54 406 415 397 495

6 80 51 70 44 330 337 323 402

13,751-15,000 1 135 86 118 73 534 545 523 650

2,3 121 77 106 66 481 491 470 585

4,5 108 69 95 59 427 436 418 520

6 88 56 77 48 347 354 340 423

15,001-16,250 1 147 94 129 80 560 572 548 682

2,3 132 84 116 72 504 515 493 614

4,5 118 75 103 64 448 458 439 546

6 96 61 84 52 364 372 356 444

16,251-17,500 1 161 102 142 88 587 599 574 714

2,3 145 92 127 79 528 539 517 643

4,5 129 82 113 70 469 479 459 572

6 105 67 92 57 381 389 373 464

17,501-18,750 1 177 113 155 96 617 630 604 751

2,3 159 101 140 87 555 567 543 676

4,5 142 90 124 77 493 504 483 601

6 115 73 101 63 401 409 392 488


C(PhD)–4






Cost New Group 01 03 04 05 01 03 04 05

18,751-20,000 1 $192 $122 $169 $105 $647 $660 $633 $788

2,3 173 110 152 94 582 594 570 709 4,5 154 98 135 84 517 528 506 630 6 125 79 110 68 420 429 411 512

20,001-22,000 1 210 134 184 114 684 699 670 834

2,3 189 120 166 103 616 629 603 750 4,5 168 107 148 92 547 559 536 667 6 136 87 120 74 445 454 435 542

22,001-24,000 1 232 147 204 126 729 745 714 889

2,3 208 133 183 114 656 670 643 800 4,5 185 118 163 101 584 596 571 711 6 151 96 132 82 474 484 464 578

24,001-26,000 1 252 160 222 138 771 787 754 939

2,3 227 144 199 124 694 708 679 845 4,5 202 128 177 110 617 630 604 751 6 164 104 144 89 501 512 490 610

26,001-28,000 1 272 173 239 148 812 829 795 989

2,3 245 156 215 133 731 746 715 890 4,5 218 138 191 119 650 664 636 791 6 177 112 155 96 528 539 517 643

28,001-30,000 1 291 185 256 159 854 872 835 1,040

2,3 262 167 230 143 768 785 752 936

4,5 233 148 205 127 683 697 668 832

6 189 120 166 103 555 567 543 676

30,001-33,000 1 315 200 277 172 902 922 883 1,099

2,3 283 180 249 155 812 829 795 989

4,5 252 160 221 137 722 737 707 879

6 205 130 180 112 587 599 574 714

33,001-36,000 1 343 218 301 187 951 972 931 1,159

2,3 308 196 271 168 856 874 838 1,043

4,5 274 174 241 149 761 777 745 927

6 223 142 196 121 618 631 605 753

36,001-40,000 1 374 238 329 204 1,000 1,021 979 1,218

2,3 337 214 296 184 900 919 881 1,096

4,5 299 191 263 163 800 817 783 975

6 243 155 214 133 650 664 636 792

40,001-45,000 1 414 263 364 226 1,060 1,083 1,038 1,292

2,3 372 237 327 203 954 975 934 1,162

4,5 331 211 291 181 848 866 830 1,033

6 269 171 236 147 689 704 675 840

45,001-50,000 1 457 291 402 249 1,124 1,148 1,100 1,369

2,3 412 262 362 225 1,012 1,033 990 1,232

4,5 366 233 322 200 899 919 880 1,096

6 297 189 261 162 731 746 715 890


C(PhD)–5






Cost New Group 01 03 04 05 01 03 04 05

50,001-60,000 1 $521 $332 $458 $284 $1,214 $1,240 $1,189 $1,479

2,3 469 299 412 256 1,093 1,116 1,070 1,331

4,5 417 265 367 228 972 992 951 1,183

6 339 216 298 185 789 806 773 962

60,001-70,000 1 605 385 532 330 1,331 1,359 1,303 1,621

2,3 545 347 479 297 1,198 1,223 1,172 1,459

4,5 484 308 425 264 1,065 1,087 1,042 1,297

6 393 250 346 215 865 884 847 1,054

70,001-80,000 1 688 438 605 375 1,448 1,478 1,417 1,763

2,3 620 394 544 338 1,303 1,331 1,275 1,587

4,5 551 350 484 300 1,158 1,183 1,133 1,411

6 447 285 393 244 941 961 921 1,146





C(PhD)–6


Private Passenger Type Cars

Territory 01


Symbol Group

Age Group

$50 Ded $100 Ded $250 Ded $500 Ded $100 Ded $250 Ded $500 Ded $1,000 Ded

$ 0– 1 75 56 41 33 513 361 258 199 6,500 2,3 67 51 37 30 462 325 232 179

4,5 60 45 33 27 410 289 207 159 6 49 37 27 22 333 235 168 129

6,501– 1 98 75 57 47 576 425 325 255 8,000 2,3 88 68 51 42 518 383 293 230

4,5 78 60 46 37 461 340 260 204 6 63 49 37 30 374 276 211 166

8,001– 1 117 91 70 58 619 463 359 284 9,000 2,3 105 82 63 52 557 417 323 255

4,5 94 73 56 46 495 371 287 227 6 76 59 45 37 403 301 233 184

9,001– 1 132 103 80 66 650 493 387 307 10,000 2,3 118 92 72 60 585 444 348 276

4,5 105 82 64 53 520 394 310 246 6 85 67 52 43 423 320 252 200

10,001– 1 147 116 91 76 675 519 412 329 11,250 2,3 132 104 82 68 607 467 371 296

4,5 117 92 73 61 540 415 330 263 6 95 75 59 49 438 337 268 214

11,251– 1 162 128 103 86 698 544 438 351 12,500 2,3 145 115 92 77 628 490 394 316

4,5 129 103 82 69 558 435 350 281 6 105 83 67 56 454 354 285 228

12,501– 1 175 140 114 95 726 574 468 376 13,750 2,3 158 126 102 86 653 516 421 339

4,5 140 112 91 76 581 459 374 301 6 114 91 74 62 472 373 304 245

13,751– 1 190 153 125 106 753 604 498 403 15,000 2,3 171 138 113 95 677 543 448 362

4,5 152 122 100 84 602 483 398 322 6 123 99 82 69 489 392 324 262

15,001– 1 206 167 139 117 778 633 529 429 16,250 2,3 185 151 125 106 700 570 476 386

4,5 165 134 111 94 623 507 423 343 6 134 109 90 76 506 412 344 279


C(PhD)–7



Territory 01


Symbol Group

Age Group


$16,251– 1 223 183 154 130 803 663 560 457 17,500 2,3 201 165 138 117 723 597 504 411

4,5 179 146 123 104 642 530 448 365 6 145 119 100 85 522 431 364 297

17,501– 1 243 201 171 145 832 697 596 488 18,750 2,3 219 181 154 131 748 627 536 439

4,5 195 161 137 116 665 558 477 390 6 158 131 111 94 540 453 387 317

18,751– 1 262 218 188 160 859 731 632 520 20,000 2,3 236 196 169 144 773 658 569 468

4,5 210 175 150 128 687 585 506 416 6 170 142 122 104 558 475 411 338

20,001– 1 285 239 207 176 903 774 677 558 22,000 2,3 256 215 186 159 813 696 609 503

4,5 228 191 165 141 723 619 541 447 6 185 155 134 115 587 503 440 363

22,001– 1 313 263 230 196 957 825 730 604 24,000 2,3 281 237 207 177 862 742 657 544

4,5 250 211 184 157 766 660 584 483 6 203 171 149 128 622 536 474 393

24,001– 1 339 287 252 215 1,005 871 780 648 26,000 2,3 305 258 226 194 905 784 702 583

4,5 271 229 201 172 804 697 624 519 6 220 186 164 140 654 566 507 421

26,001– 1 363 309 273 234 1,053 918 831 693 28,000 2,3 327 278 246 211 948 826 748 624

4,5 291 247 219 187 842 734 665 554 6 236 201 178 152 684 597 540 451

28,001– 1 387 331 294 253 1,100 965 883 739 30,000 2,3 348 298 265 227 990 868 794 665

4,5 310 265 235 202 880 772 706 591 6 252 215 191 164 715 627 547 480

30,001– 1 416 358 321 275 1,156 1,020 944 793 33,000 2,3 375 322 288 248 1,040 918 849 713

4,5 333 286 256 220 925 816 755 634 6 271 233 208 179 751 663 613 515


C(PhD)–8



Territory 03


Symbol Group

Age Group


$ 0– 1 47 35 26 21 524 369 264 203 6,500 2,3 42 32 23 19 471 332 237 183

4,5 38 28 21 17 419 295 211 162 6 30 23 17 14 340 240 171 132

6,501– 1 61 47 36 29 588 434 332 261 8,000 2,3 55 42 32 26 529 391 299 235

4,5 49 38 29 23 470 347 266 209 6 40 31 23 19 382 282 216 170

8,001– 1 73 57 44 36 632 473 367 290 9,000 2,3 66 51 39 32 569 426 330 261

4,5 59 45 35 29 506 378 293 232 6 48 37 28 23 411 307 238 188

9,001– 1 82 64 50 42 664 503 395 314 10,000 2,3 74 58 45 37 598 453 356 282

4,5 66 52 40 33 531 403 316 251 6 54 42 33 27 432 327 257 204

10,001– 1 92 72 57 48 689 529 421 336 11,250 2,3 83 65 51 43 620 477 379 302

4,5 74 58 46 38 551 424 337 269 6 60 47 37 31 448 344 274 218

11,251– 1 101 80 64 54 713 556 447 358 12,500 2,3 91 72 58 48 641 500 402 322

4,5 81 64 51 43 570 444 358 287 6 66 52 42 35 463 361 291 233

12,501– 1 110 88 71 60 741 586 478 384 13,750 2,3 99 79 64 54 667 527 430 346

4,5 88 70 57 48 593 469 382 307 6 71 57 46 39 482 381 310 250

13,751– 1 119 96 79 66 769 616 508 411 15,000 2,3 107 86 71 60 692 555 458 370

4,5 95 77 63 53 615 493 407 329 6 77 62 51 43 500 401 330 267

15,001– 1 129 105 87 73 795 647 540 438 16,250 2,3 116 94 78 66 715 582 486 395

4,5 103 84 70 59 636 517 432 351 6 84 68 57 48 517 420 351 285


C(PhD)–9



Territory 03


Symbol Group

Age Group


$16,251– 1 140 115 96 82 820 677 572 466 17,500 2,3 126 103 87 73 738 609 515 420

4,5 112 92 77 65 656 542 458 373 6 91 75 63 53 533 440 372 303

17,501– 1 152 126 107 91 849 712 609 498 18,750 2,3 137 113 96 82 764 641 548 448

4,5 122 101 86 73 679 569 487 399 6 99 82 70 59 552 463 396 324

18,751– 1 164 137 118 100 877 746 646 531 20,000 2,3 148 123 106 90 789 672 581 478

4,5 131 109 94 80 702 597 517 425 6 107 89 76 65 570 485 420 345

20,001– 1 178 149 129 111 923 790 691 570 22,000 2,3 161 135 116 100 830 711 622 513

4,5 143 120 104 88 738 632 553 456 6 116 97 84 72 600 513 449 371

22,001– 1 196 165 144 123 978 842 745 617 24,000 2,3 176 148 129 111 880 758 671 555

4,5 157 132 115 98 782 674 596 494 6 127 107 94 80 635 547 484 401

24,001– 1 212 180 158 135 1,027 890 796 662 26,000 2,3 191 162 142 122 924 801 717 596

4,5 170 144 126 108 821 712 637 530 6 138 117 102 88 667 578 518 430

26,001– 1 228 194 171 147 1,075 937 848 708 28,000 2,3 205 174 154 132 968 844 764 637

4,5 182 155 137 117 860 750 679 566 6 148 126 111 95 699 609 551 460

28,001– 1 243 207 184 158 1,123 985 901 755 30,000 2,3 218 187 166 143 1,011 887 811 679

4,5 194 166 148 127 898 788 721 604 6 158 135 120 103 730 640 586 491

30,001– 1 261 224 201 173 1,180 1,042 963 809 33,000 2,3 235 202 181 155 1,062 937 867 728

4,5 209 179 161 138 944 833 771 647 6 170 146 131 112 767 677 626 526


C(PhD)–10



Territory 04


Symbol Group

Age Group


$ 0– 1 66 50 36 29 502 354 253 194 6,500 2,3 59 45 33 26 452 318 228 175

4,5 53 40 29 23 402 283 202 156 6 43 32 23 19 326 230 164 126

6,501– 1 86 66 50 41 564 416 318 250 8,000 2,3 77 59 45 37 507 374 286 225

4,5 69 53 40 33 451 333 255 200 6 56 43 33 27 366 270 207 163

8,001– 1 103 80 61 51 606 453 351 278 9,000 2,3 93 72 55 46 546 408 316 250

4,5 82 64 49 41 485 363 281 222 6 67 52 40 33 394 295 228 180

9,001– 1 116 90 71 58 636 483 379 301 10,000 2,3 104 81 63 53 573 434 341 271

4,5 93 72 56 47 509 386 303 241 6 75 59 46 38 414 314 246 195

10,001– 1 129 102 80 67 660 508 403 322 11,250 2,3 116 91 72 60 594 457 363 290

4,5 103 81 64 53 528 406 323 257 6 84 66 52 43 429 330 262 209

11,251– 1 142 113 90 75 683 532 429 343 12,500 2,3 128 102 81 68 615 479 386 309

4,5 114 90 72 60 547 426 343 275 6 92 73 59 49 444 346 279 223

12,501– 1 154 123 100 84 710 562 458 368 13,750 2,3 139 111 90 75 639 505 412 332

4,5 123 99 80 67 568 449 366 295 6 100 80 65 54 462 365 298 239

13,751– 1 167 135 110 93 737 591 487 394 15,000 2,3 150 121 99 84 663 532 439 355

4,5 134 108 88 74 589 473 390 315 6 109 88 72 60 479 384 317 256

15,001– 1 181 147 122 103 762 620 518 420 16,250 2,3 163 132 110 93 686 558 466 378

4,5 145 118 98 83 609 496 414 336 6 118 96 79 67 495 403 336 273


C(PhD)–11



Territory 04


Symbol Group

Age Group


$16,251– 1 196 161 135 115 786 649 548 447 17,500 2,3 177 145 122 103 707 584 494 402

4,5 157 129 108 92 629 519 439 358 6 128 105 88 75 511 422 356 291

17,501– 1 214 177 150 128 814 682 583 478 18,750 2,3 193 159 135 115 733 614 525 430

4,5 171 142 120 102 651 546 467 382 6 139 115 98 83 529 443 379 310

18,751– 1 230 192 165 141 841 716 619 509 20,000 2,3 207 173 149 127 757 644 557 458

4,5 184 154 132 113 673 572 495 407 6 150 125 107 92 546 465 402 331

20,001– 1 251 210 182 155 884 757 662 547 22,000 2,3 226 189 164 140 796 581 596 492

4,5 200 168 145 124 707 606 530 437 6 163 136 118 101 575 492 431 355

22,001– 1 275 232 202 173 937 807 714 592 24,000 2,3 248 208 182 156 843 726 643 532

4,5 220 185 162 138 750 646 571 473 6 179 151 131 112 609 525 464 385

24,001– 1 298 252 221 190 984 853 763 634 26,000 2,3 268 227 199 171 886 768 687 571

4,5 238 202 177 152 787 682 611 508 6 194 164 144 123 640 554 496 412

26,001– 1 320 272 240 206 1,031 899 813 678 28,000 2,3 288 245 216 186 928 809 732 611

4,5 256 218 192 165 825 719 651 543 6 208 177 156 134 670 584 529 441

28,001– 1 341 291 259 222 1,077 944 864 723 30,000 2,3 306 262 233 200 969 850 778 651

4,5 272 233 207 178 861 755 691 579 6 221 189 168 145 700 614 562 470

30,001– 1 366 315 282 242 1,131 998 924 776 33,000 2,3 330 283 254 218 1,018 899 831 698

4,5 293 252 226 194 905 799 739 621 6 238 205 183 158 735 649 600 504


C(PhD)–12



Territory 05


Symbol Group

Age Group


$ 0– 1 41 31 22 18 624 439 314 242 6,500 2,3 37 28 20 16 562 396 283 218

4,5 33 25 18 15 499 352 251 193 6 27 20 15 12 406 286 204 157

6,501– 1 53 41 31 26 701 517 396 311 8,000 2,3 48 37 28 23 630 465 356 280

4,5 43 33 25 20 560 414 316 249 6 35 27 20 17 455 336 257 202

8,001– 1 64 50 38 31 753 564 437 345 9,000 2,3 58 45 34 28 678 507 393 310

4,5 51 40 31 25 603 451 349 276 6 42 32 25 20 490 366 284 224

9,001– 1 72 56 44 36 791 600 471 374 10,000 2,3 65 51 39 33 712 540 424 336

4,5 58 45 35 29 633 480 377 299 6 47 37 28 24 514 390 306 243

10,001– 1 80 63 50 41 821 631 501 400 11,250 2,3 72 57 45 37 739 568 451 360

4,5 64 51 40 33 656 505 401 320 6 52 41 32 27 533 410 326 260

11,251– 1 88 70 56 47 849 662 533 427 12,500 2,3 80 63 50 42 764 596 479 384

4,5 71 56 45 37 679 529 426 341 6 57 46 36 30 552 430 346 277

12,501– 1 96 77 62 52 883 698 569 458 13,750 2,3 86 69 56 47 795 628 512 412

4,5 77 61 50 42 706 558 455 366 6 62 50 40 34 574 454 370 298

13,751– 1 104 84 69 58 915 734 606 490 15,000 2,3 93 75 62 52 824 661 545 441

4,5 83 67 55 46 732 587 485 392 6 67 54 45 38 595 477 394 318

15,001– 1 112 91 76 64 947 770 643 522 16,250 2,3 101 82 68 58 852 693 579 470

4,5 90 73 61 51 757 616 515 418 6 73 59 49 42 615 501 418 339


C(PhD)–13



Territory 05


Symbol Group

Age Group


$16,251– 1 122 100 84 71 977 807 682 556 17,500 2,3 110 90 76 64 879 726 613 500

4,5 98 80 67 57 781 645 545 445 6 79 65 55 46 635 524 443 361

17,501– 1 133 110 93 79 1,012 848 725 594 18,750 2,3 120 99 84 71 910 763 652 534

4,5 106 88 75 64 809 678 580 475 6 86 71 61 52 657 551 471 386

18,751– 1 143 119 103 88 1,045 889 769 632 20,000 2,3 129 107 92 79 940 800 692 569

4,5 115 95 82 70 836 711 615 506 6 93 78 67 57 679 578 500 411

20,001– 1 156 130 113 96 1,099 941 823 679 22,000 2,3 140 117 102 87 989 847 741 611

4,5 125 104 90 77 879 753 659 543 6 101 85 73 63 714 612 535 442

22,001– 1 171 144 125 107 1,164 1,003 888 735 24,000 2,3 154 130 113 97 1,048 903 799 662

4,5 137 115 100 86 932 802 710 588 6 111 94 82 70 757 652 577 478

24,001– 1 185 157 138 118 1,223 1,060 949 789 26,000 2,3 167 141 124 106 1,101 954 854 710

4,5 148 125 110 94 978 848 759 631 6 120 102 89 77 795 689 617 513

26,001– 1 199 169 149 128 1,281 1,117 1,011 843 28,000 2,3 179 152 134 115 1,153 1,005 910 759

4,5 159 135 119 102 1,025 893 809 674 6 129 110 97 83 833 726 657 548

28,001– 1 212 181 161 138 1,338 1,174 1,074 899 30,000 2,3 190 163 145 124 1,204 1,056 966 809

4,5 169 145 129 111 1,070 939 859 719 6 138 118 105 90 870 763 698 584

30,001– 1 228 196 175 151 1,406 1,241 1,148 964 33,000 2,3 205 176 158 136 1,265 1,117 1,033 868

4,5 182 156 140 120 1,125 993 918 771 6 148 127 114 98 914 807 746 627


C(PhD)–14






Original Cost New


$0-3,000 1 $14 $75

2,3 13 68

4,5 11 60

6 9 49

3,001-4,500 1 22 120

2,3 20 108

4,5 18 96

6 14 78

4,501-6,000 1 28 150

2,3 25 135

4,5 22 120

6 18 98

6,001-8,000 1 38 207

2,3 34 186

4,5 30 166

6 25 135

8,001-10,000 1 48 263

2,3 43 236

4,5 38 210

6 31 171

10,001-15,000 1 64 345

2,3 58 311

4,5 51 276

6 42 224

Over 15,000 1 92 435

2,3 83 392

4,5 74 348

6 60 283


C(PhD)–15


F, T, & CAC $100 Ded


Symbol Group

Age

Group

$50 Ded

$100 Ded

$250 Ded

$500 Ded

$100 Ded

$250 Ded

$500 Ded

$1,000 Ded

$ 0– 1 11 18 14 10 8 103 83 61 45 3,000 2,3 9 16 13 9 7 93 74 55 40

4,5 8 14 11 8 6 83 66 49 36 6 7 12 9 7 5 67 54 40 29

3,001– 1 17 27 22 17 14 149 132 102 76 4,500 2,3 15 25 20 16 13 134 119 92 68

4,5 13 22 18 14 11 119 106 82 61 6 11 18 15 11 9 97 86 66 49

4,501– 1 21 34 28 22 18 182 165 130 97 6,000 2,3 19 30 25 20 17 164 149 117 88

4,5 17 27 22 18 15 146 132 104 78 6 14 22 18 15 12 119 107 85 63

6,001– 1 28 44 38 31 26 247 227 183 137 8,000 2,3 26 40 34 28 23 223 204 164 124

4,5 23 36 30 25 21 198 182 146 110 6 18 29 25 20 17 161 147 119 89

8,001– 1 36 55 48 40 34 310 289 237 179 10,000 2,3 32 49 43 36 31 279 260 213 161

4,5 29 44 38 32 27 248 231 189 143 6 23 36 31 26 22 202 188 154 116

10,001– 1 48 72 64 56 48 402 380 317 241 15,000 2,3 43 65 58 51 43 362 342 285 217

4,5 39 58 52 45 39 322 304 254 193 6 31 47 42 37 31 261 247 206 157

Over 1 69 102 92 83 72 500 479 407 311 15,000 2,3 62 91 83 75 64 450 431 366 280

4,5 55 81 74 67 57 400 383 325 249 6 45 66 60 54 47 325 311 264 202

For Fire Only—Use 50 Percent of the Fire, Theft, & CAC.* For Fire and Theft Only—Use 70 Percent of the Fire, Theft, and CAC.* For Fire, Theft, and CAC without MM&V—Use 90 percent of the Fire, Theft, & CAC.*

*In no case may a premium charge of less than $1 be afforded for any individual or combination of coverage.


C(PhD)–16






Original Cost New


$0-4,500 1 $13 $57

2,3 12 51

4,5 11 46

6 9 37

4,501-6,000 1 22 104

2,3 20 94

4,5 18 83

6 14 68

6,001-8,000 1 30 142

2,3 27 128

4,5 24 114

6 19 93

8,001-10000 1 37 182

2,3 34 164

4,5 30 146

6 24 118

10,001-15,000 1 52 244

2,3 47 220

4,5 41 196

6 34 159

15,001-20,000 1 66 286

2,3 59 257

4,5 53 229

6 43 186

Over 20,000 1 88 338

2,3 79 304

4,5 70 270

6 57 220


C(PhD)–17


F, T, & CAC

$100 Ded


Symbol Group

Age Group

$50 Ded

$100 Ded

$250 Ded

$500 Ded

$100 Ded

$250 Ded

$500 Ded

$1,000Ded

$ 0– 1 10 17 13 10 8 74 63 48 35 4,500 2,3 9 15 12 9 7 67 57 43 32

4,5 8 13 11 8 6 59 51 38 28 6 6 11 9 6 5 48 41 31 23

4,501– 1 17 26 22 18 15 127 115 91 68 6,000 2,3 15 24 20 16 13 114 104 82 61

4,5 13 21 18 14 12 102 92 73 54 6 11 17 14 11 9 83 75 59 44

6,001– 1 22 35 30 25 20 172 158 127 96 8,000 2,3 20 31 27 22 18 155 142 115 86

4,5 18 28 24 20 16 138 127 102 77 6 14 23 19 16 13 112 103 83 62

8,001– 1 28 43 37 32 27 216 201 165 125 10,000 2,3 25 39 34 29 24 195 181 149 112

4,5 22 34 30 25 22 173 161 132 100 6 18 28 24 21 18 141 131 107 81

10,001– 1 39 58 52 45 39 286 270 226 172 15,000 2,3 35 52 47 41 35 258 243 203 154

4,5 31 47 41 36 31 229 216 181 137 6 25 38 34 29 25 186 176 147 112

15,001– 1 50 73 66 59 51 332 316 269 206 20,000 2,3 45 66 59 53 46 299 285 242 185

4,5 40 58 53 47 41 266 253 215 164 6 32 47 43 38 33 216 206 175 134

Over 1 66 96 88 80 69 389 374 321 247 20,000 2,3 59 86 79 72 62 350 336 289 222

4,5 53 77 70 64 55 311 299 257 197 6 43 62 57 52 45 253 243 209 160




C(PhD)–18





All Territories


Original Cost New


$0-8,000 1 $16 $77

2,3 14 69

4,5 13 61

6 10 50

8,001-10,000 1 25 128

2,3 22 115

4,5 20 102

6 16 83

10,001-15,000 1 35 170

2,3 32 153

4,5 28 136

6 23 111

15,001-20,000 1 49 206

2,3 44 185

4,5 39 165

6 32 134

20,001-25,000 1 63 228

2,3 57 205

4,5 50 182

6 41 148

25,001-40,000 1 91 275

2,3 82 248

4,5 73 220

6 59 179

40,001-65,000 1 147 384

2,3 132 346

4,5 118 307

6 96 250

Over 65,000 1 217 481

2,3 195 433

4,5 174 385

6 141 313


C(PhD)–19




Symbol Group

Age

Group

$50 Ded

$100 Ded

$250 Ded

$500 Ded

$100 Ded

$250 Ded

$500 Ded

$1,000 Ded

$ 0– 1 12 19 16 12 11 95 85 67 50 8,000 2,3 11 17 14 11 9 86 76 60 45

4,5 9 15 12 10 8 76 68 53 40 6 8 12 10 8 7 62 55 43 32

8,001– 1 18 28 24 20 17 152 141 116 87 10,000 2,3 16 25 22 18 16 136 127 104 79

4,5 14 22 19 16 14 121 113 92 70 6 12 18 16 13 11 99 92 75 57

10,001– 1 25 38 34 29 25 198 187 156 119 15,000 2,3 23 34 30 26 23 178 168 140 107

4,5 20 30 27 24 20 158 149 125 95 6 16 25 22 19 16 129 121 101 77

15,001– 1 36 53 48 43 37 236 226 192 147 20,000 2,3 32 48 43 39 33 212 203 173 132

4,5 29 42 38 35 30 189 180 153 117 6 23 34 31 28 24 153 147 125 95

20,001– 1 46 67 61 57 49 258 250 215 165 25,000 2,3 41 60 55 51 44 232 225 194 149

4,5 37 54 49 45 39 206 200 172 132 6 30 44 40 37 32 168 163 140 107

25,001– 1 67 96 89 82 71 312 303 264 203 40,000 2,3 60 87 80 74 64 281 273 237 183

4,5 53 77 71 66 57 250 243 211 162 6 43 63 58 53 46 203 197 171 132

40,001– 1 107 154 143 132 114 436 423 368 283 65,000 2,3 96 139 129 119 103 392 381 331 255

4,5 86 123 114 106 91 349 338 294 227 6 70 100 93 86 74 283 275 239 184

Over 1 158 227 211 195 169 545 529 460 354 65,000 2,3 143 204 190 176 152 490 476 414 319

4,5 127 182 169 156 135 436 423 368 283 6 103 148 137 127 110 354 344 299 230




C(PhD)–20






Original Cost New


$0-8,000 1 $13 $65

2,3 12 59

4,5 10 52

6 8 42

8,001-10,000 1 20 108

2,3 18 97

4,5 16 86

6 13 70

10,001-15,000 1 28 142

2,3 25 128

4,5 22 114

6 18 92

15,001-20,000 1 40 172

2,3 36 155

4,5 32 137

6 26 112

20,001-25,000 1 51 190

2,3 46 171

4,5 41 152

6 33 124

25,001-40,000 1 74 231

2,3 67 208

4,5 59 185

6 48 150

40,001-65,000 1 119 322

2,3 107 290

4,5 95 258

6 77 210

Over 65,000 1 176 403

2,3 159 363

4,5 141 323

6 114 262


C(PhD)–21




Symbol Group

Age

Group

$50 Ded

$100 Ded

$250 Ded

$500 Ded

$100 Ded

$250 Ded

$500 Ded

$1,000 Ded

$ 0– 1 10 16 13 10 9 80 71 56 42 8,000 2,3 9 14 12 9 8 72 64 50 38

4,5 8 12 10 8 7 64 57 45 33 6 6 10 8 7 6 52 46 36 27

8,001– 1 15 23 20 17 14 127 118 97 73 10,000 2,3 14 21 18 15 13 114 106 87 66

4,5 12 18 16 14 12 101 94 77 59 6 10 15 13 11 9 82 77 63 48

10,001– 1 21 32 28 25 21 166 156 131 99 15,000 2,3 19 28 25 22 19 149 141 117 89

4,5 17 25 22 20 17 133 125 104 79 6 14 20 18 16 14 108 102 85 65

15,001– 1 30 44 40 36 31 197 189 160 123 20,000 2,3 27 40 36 32 28 178 170 144 110

4,5 24 35 32 29 25 158 151 128 98 6 20 29 26 23 20 128 123 104 80

20,001– 1 38 56 51 47 41 216 209 180 138 25,000 2,3 34 50 46 42 37 194 189 162 124

4,5 31 45 41 38 33 173 168 144 111 6 25 36 33 31 27 140 136 117 90

25,001– 1 56 80 74 68 59 261 254 221 170 40,000 2,3 50 72 67 62 53 235 228 199 153

4,5 44 64 59 55 47 209 203 177 136 6 36 52 48 44 38 170 165 143 110

40,001– 1 89 129 119 110 95 365 354 308 237 65,000 2,3 80 116 107 99 86 328 319 277 213

4,5 71 103 95 88 76 292 283 246 190 6 58 84 77 72 62 237 230 200 154

Over 1 132 189 176 163 141 456 443 385 296 65,000 2,3 119 170 158 147 127 410 398 346 267

4,5 106 151 141 130 113 365 354 308 237 6 86 123 114 106 92 296 288 250 193




C(PhD)–22




All Territories


Original Cost New


$0-1000 1 $18 $110

2,3 16 99

4,5 15 88

6 12 71

1,001-2,000 1 37 158

2,3 33 142

4,5 29 126

6 24 103

2,001-3,000 1 61 268

2,3 55 241

4,5 49 214

6 40 174

3,001-4,500 1 85 426

2,3 77 384

4,5 68 341

6 56 277

4,501-6,000 1 122 632

2,3 110 569

4,5 98 506

6 79 411

6,001-8,000 1 165 871

2,3 148 784

4,5 132 697

6 107 566

8,001-10,000 1 214 1,136 2,3 192 1,023 4,5 171 909

6 139 739

10,001-20,000 1 348 1,672 2,3 313 1,505 4,5 278 1,338

6 226 1,087

20,001-40,000 1 702 2,463

2,3 631 2,217

4,5 561 1,970

6 456 1,601

Over 40,000 1 1,165 3,409 2,3 1,049 3,068

4,5 932 2,727 6 757 2,216


C(PhD)–23




Symbol Group

Age

Group

$50 Ded

$100 Ded

$250 Ded

$500 Ded

$100 Ded

$250 Ded

$500 Ded

$1,000 Ded

$ 0– 1 14 24 18 12 10 213 122 82 N/A 1,000 2,3 12 22 16 11 9 192 109 74 N/A

4,5 11 19 14 10 8 170 97 66 N/A 6 9 16 12 8 6 138 79 53 N/A

1,001– 1 27 47 36 26 21 261 174 126 87 2,000 2,3 24 42 32 23 19 235 156 113 78

4,5 22 37 29 21 17 209 139 101 70 6 18 30 23 17 13 169 113 82 56

2,001– 1 45 75 60 45 36 377 295 222 162 3,000 2,3 41 68 54 41 32 339 266 199 146

4,5 36 60 48 36 29 301 236 177 130 6 29 49 39 29 23 245 192 144 106

3,001– 1 63 103 84 65 53 530 469 364 270 4,500 2,3 57 93 76 59 48 477 422 327 243

4,5 50 82 67 52 42 424 375 291 216 6 41 67 55 42 34 345 305 236 175

4,501– 1 90 144 120 96 79 768 695 549 410 6,000 2,3 81 130 108 86 71 691 626 494 369

4,5 72 115 96 77 63 614 556 439 328 6 59 94 78 62 51 499 452 357 267

6,001– 1 122 190 162 134 112 1,042 958 769 578 8,000 2,3 109 171 146 120 101 937 860 692 520

4,5 97 152 130 107 89 833 765 615 463 6 79 124 105 87 73 677 621 500 376

8,001– 1 158 242 210 179 151 1,345 1,251 1,026 776 10,000 2,3 142 217 189 161 136 1,210 1,126 923 698

4,5 126 193 168 143 121 1,076 1,001 821 620 6 102 157 137 116 98 874 813 667 504

10,001– 1 257 381 342 303 262 1,943 1,842 1,556 1,188 20,000 2,3 231 343 308 272 235 1,749 1,658 1,401 1,069

4,5 205 305 274 242 209 1,554 1,473 1,245 950 6 167 248 222 197 170 1,263 1,197 1,012 772

20,001 1 518 749 690 638 552 2,792 2,711 2,345 1,802 40,000 2,3 466 674 621 574 497 2,513 2,439 2,110 1,622

4,5 414 599 552 511 442 2,233 2,168 1,876 1,442 6 336 487 449 415 359 1,815 1,762 1,524 1,172

Over 1 860 1,238 1,146 1,060 917 3,866 3,753 3,265 2,515 40,000 2,3 774 1,114 1,031 954 825 3,479 3,378 2,939 2,263

4,5 688 990 917 848 733 3,092 3,002 2,612 2,012 6 559 804 745 689 596 2,513 2,439 2,122 1,634




C(PhD)–24




Original Cost New


$0-3,000 1 $28 $96

2,3 25 86

4,5 22 76

6 18 62

3,001-4,500 1 $44 $153

2,3 40 138

4,5 35 122

6 29 99

4,501-6,000 1 $56 $191

2,3 50 172

4,5 45 153

6 36 124

6,001-8,000 1 $76 $264

2,3 68 237

4,5 61 211

6 49 171

8,001-10,000 1 $96 $335

2,3 86 301

4,5 77 268

6 62 217

10,001-15,000 1 $128 $440

2,3 115 396

4,5 102 352

6 83 286

Over $15,000 1 $184 $554 2,3 166 499 4,5 147 443

6 120 360


C(PhD)–25




Original Cost New


$0-3,000 1 $55 $94

2,3 50 85

4,5 44 75

6 36 61

3,001-4,500 1 $87 $151

2,3 78 136

4,5 70 121

6 57 98

4,501-6,000 1 $110 $188

2,3 99 170

4,5 88 151

6 72 122

6,001-8,000 1 $150 $260

2,3 135 234

4,5 120 208

6 97 169

8,001-10,000 1 $188 $330

2,3 169 297

4,5 151 264

6 122 214

10,001-15,000 1 $252 $433

2,3 227 390

4,5 202 347

6 164 282

Over $15,000 1 $362 $546 2,3 326 492 4,5 290 437

6 235 355


C(PhD)–26


Physical Damages All Territories

($100 Deductible Rates)

BUSES If diesel powered, reduce Fire rates in Tables A and B 15%. Table A Buses (Except School Buses) Fire Rate 32 cents per $100 Theft Rate 10 cents per $100 Comprehensive 88 cents per $100 School Buses Fire Rate 14 cents per $100 Theft Rate 10 cents per $100 Comprehensive 44 cents per $100 Table B Fire Rate 62 cents per $100 Theft Rate 18 cents per $100 Comprehensive $1.05 per $100 SPECIAL OR MOBILE EQUIPMENT If diesel powered, reduce Fire rates in Tables A and B 15%. Group 1 Fire Rate 39 cents per $100 Theft Rate 10 cents per $100 Comprehensive 62 cents per $100 Collision Charge 50% of the commercial premium. Group 2 Fire Rate 22 cents per $100 Theft Rate 10 cents per $100 Comprehensive 53 cents per $100 Collision Charge 50% of displayed commercial premium. Applicable to trucks, trailers, and semitrailers

Combined Additional Coverage

$100 Deductible Rates

Classes Combined Additional

Coverage Only

Combined AdditionalCoverage Including

Malicious Mischief and Vandalism

All Autos Except Private Passenger, Motor Homes, and

Dealers

18 cents per $100 22 cents per $100

Physical Damages

All Territories

FIRE DEPARTMENT AUTOMOBILES Fire Department Apparatus $100 DedFire Rate 22 cents per $100 Theft Rate 10 cents per $100 Comprehensive 53 cents per $100


C(PhD)–27


MOBILE HOMES $100 Ded Fire Rate (new and old) 53 cents per $100 Theft Rate (new and old) 15 cents per $100 Comprehensive $1.32 per $100 Windstorm Rate (new and old) 15 cents per $100 Combined Additional Coverages

with Malicious Mischief and Vandalism Rate (new and old) 27 cents per $100

Collision Premiums The premiums shown below are subject to a retained minimum premium equal to 25% of the annual premiums applicable.

Original Cost New

$100 Ded $250 Ded $500 Ded $1,000 Ded

New Old New Old New Old New Old

$ 0– 1,000 35 28 20 16 14 11 N/A N/A 1,001– 2,000 43 35 29 23 21 17 14 12 2,001– 3,000 62 50 49 39 37 29 27 22 3,001– 4,000 88 70 78 62 60 48 45 36 4,001– 5,000 107 86 96 77 75 60 56 45

5,001– 6,000 127 102 115 92 91 73 68 54 6,001– 7,000 158 126 144 115 115 92 86 69 7,001– 8,000 188 151 173 138 140 112 105 84 8,001– 10,000 224 180 207 166 170 136 128 103

10,001– 12,000 260 208 242 193 200 160 151 121

12,001– 14,000 295 236 276 221 230 184 175 140 14,001– 16,000 330 264 311 248 261 209 199 159 16,001– 18,000 364 291 345 276 293 234 224 179 18,001– 20,000 398 318 380 304 324 260 249 199

Each additional $2,000 36 29 35 28 30 24 23 18 The terms new and old mean the following:

“New”—Motor home purchased new not more than 18 months prior to date insurance attaches. “Old”—All other motor homes.

Physical Damages

Public Livery Automobile or Taxicab

Combined Additional Coverage with M. M. and V.

Stated Amount Rates per $100 of Insurance

$100 Deductible

Original Cost New Territory 01 Territory 03 Territory 04 Territory 05

$ 0– 4,500 $0.32 $0.27 $0.27 $0.27 4,501– 6,000 0.31 0.26 0.26 0.26 6,001– 8,000 0.30 0.25 0.25 0.25 8,001–10,000 0.30 0.24 0.24 0.24

Over 10,000 0.30 0.24 0.24 0.24 Physical Damages


Stated Amount Rates per $100 of Insurance

$100 Deductible

Original Cost New Territory 01 Territory 03 Territory 04 Territory 05

Fire $0.18 $0.18 $0.18 $0.18 Theft 0.55 0.18 0.18 0.18 Combined Additional Coverages 0.22 0.22 0.22 0.22 Combined Additional Coverages with M. M. and V. 0.27 0.27 0.27 0.27 Comprehensive 1.32 0.66 0.66 0.66


C(PhD)–28


(Moved to Proposed Rule 52) Increased Limits Factors and Deductible Credits

RBI and UM/UIM Property Damage Liability


Limit Increased

Limits Factor Limit PP Types All Other Subject to

20,000/40,000 1.000 10,000 1.000 1.000 50,000/100,000 1.680 15,000 1.050 1.060 (minimum $1)

100,000/300,000 2.200 20,000 1.070 1.100 (minimum $2) 300,000/300,000* 3.000 30,000 1.090 1.140 (minimum $3) 300,000/600,000* 3.030 50,000* 1.110 1.170 (minimum $6)

(Deleted)


Limit Increased Limits Factor

10,000 1.000

Note:

*Where required by law.

Personal injury rates with a deductible are calculated as follows:

Multiply the basic $10,000 limit PIP premium by the appropriate credit to determine the flat dollar credit. Subtract this credit from the PIP premium at applicable limits.

Principle: The PIP deductible credit is always a percentage of the basic limits PIP rate no matter what limit is purchased.

(Moved to Rule 57.B)

Rule 16C. Deductible Insurance

C2. Comprehensive Deductibles

Comprehensive coverage shall be afforded at the option of the insured, with the following factors applicable to the Manual rate for comprehensive:

Factor

Deductible All Other Private Passenger

Types Factor Applies to

$ 0 1.250 1.300 $ 50 Deductible Rate 50 1.150 1.160 100 Deductible Rate

100 1.000 1.000 100 Deductible Rate 250 0.900 0.900 100 Deductible Rate 500 0.775 0.775 100 Deductible Rate

1,000 0.750 0.750 500 Deductible Rate 1,500 0.620 0.620 500 Deductible Rate 2,000 0.540 0.540 500 Deductible Rate

These factors are not applicable when deductible rates are displayed on the rate sheets.


C(PhD)–29


(Moved to Rule 57.C)

C3. Collision Deductibles

Collision coverage shall be afforded at the option of the insured, with the following factors applicable to the Manual rate for collision:

Factor


Types Factor Applies to

$ 50 1.200 1.250 $100 Deductible Rate 100 1.120 1.130 250 Deductible Rate 250 1.000 1.000 250 Deductible Rate 500 0.930 0.930 250 Deductible Rate

1,000 0.780 0.780 250 Deductible Rate 1,500 0.850 0.820 1,000 Deductible Rate 2,000 0.690 0.690 1,000 Deductible Rate

These factors are not applicable when deductible rates are displayed on the rate sheets.

(Moved to Rule 57.A)

C4. Personal Injury Protection Deductible Credits

Personal injury protection benefits shall be afforded at the option of the insured, with the following factors applicable to the Manual rate for personal injury protection benefits:

Credit Factor


Types Credit Factor Applies to

$ 100 0.050 0.050 $10,000 Base Rate 300 0.100 0.100 10,000 Base Rate 500 0.150 0.150 10,000 Base Rate

1,000 0.200 0.200 10,000 Base Rate

The deductible credit factor is applied to the $10,000 base rate regardless of what limit is purchased.

These factors are not applicable when deductible rates are displayed on rate sheets.

Below is a table of the distribution of impact to policyholders resulting from the proposed changes to the HI JUP manual.

Range of In-force Change Exposures Distribution

-70% to -60% 1 0.1% -60% to -50% 5 0.4% -50% to -40% 13 1.0% -40% to -30% 35 2.8% -30% to -20% 45 3.6% -20% to -10% 81 6.5% -10% to 0% 95 7.6% 0% to 10% 865 69.5% 10% to 20% 26 2.1% 20% to 30% 21 1.7% 30% to 40% 14 1.1% 40% to 50% 23 1.9% 50% to 60% 9 0.7% 60% to 70% 1 0.1% 70% to 80% 0 0.0% 80% to 90% 2 0.2% Over 90% 9 0.7%

Total 1,245 100.0% There are several caveats that must be noted when looking at these ranges.

1. Some policies in force were not able to be rerated due to missing or insufficient data. These policies were not included in the analysis.

2. The proposed publics’ classification plan contains distinct classification codes and factors for each identified group. However, the current HJUP manual utilizes the same classification code (“5000”) for many types of public autos. To enable the use of this data in our analysis, we requested vehicle description from the servicing carriers. In most instances this was sufficient to accurately rerate the policy. However, in some instances, particularly in regards to sightseeing and charter bus identification, it was not possible to determine with 100% certainty. Therefore, of the 18 risks that fell into this category, we treated half as sightseeing and half as charter buses. The half identified as charter buses are those policyholders falling into the “over 90%” rate impact category. If they are really sightseeing buses, then no policyholders will experience greater than a 90% rate impact.

11.b Private Passenger Types (“PPT”): The PPT rates are calculated as the base rate multiplied by the appropriate Original Cost New (“OCN”) factor and age group factor. The OCN and age factors are identical to those shown in Rules 9, 12 and 12A of the currently approved and utilized HJUP Commercial Auto Manual. The proposed base rates were provided in Column 3 of Exhibit B, Sheet 7 of the HJUP Objection responses submitted on September 26, 2012.

Taxis, Limos, and Vans & All Buses: The Taxi, Limo and Van Pool, and Bus rates are calculated as the base rate multiplied by the Truck, Tractor, Trailer (“TTT”) OCN and age group factors. The proposed base rates were provided in Column 4 of Exhibit B, Sheet 9 of the responses submitted on September 26, 2012. As stated previously, we are proposing adoption of the Hawaii Insurance Bureau’s (“HIB”) latest public auto classification plan. HIB utilizes the same OCN and age group factors for publics as they do for TTTs. Thus, the proposed HJUP taxi, limo, van and public rates utilize the currently approved HJUP light truck OCN and age factors as shown below:

ORIGINAL Light Trucks COST NEW COMP COLL AGE COMP COLL

$0-3000 0.500

0.500 1 1.00 1.00

3001-4500 0.790

0.800 2,3 0.90 0.90

4501-6000 1.000

1.000 4,5 0.80 0.80

6001-8000 1.360

1.380 6 0.65 0.65

8001-10000 1.710

1.750

10001-15000 2.290

2.300

Over 15000 3.290

2.900

WYOMING AUTOMOBILE INSURANCE PLAN MANUAL


C–3 WY 2012 Revision 002





1. All eligible trucks, tractors, and trailers are rated out of the Trucks, Tractors, and Trailers Chapter.

Exception: Nonfleet trucks with load capacities of 1,500 pounds or less owned by an individual or husband and wife who are residents of the same household, and not customarily used in the occu-pation, profession, or business of the insured other than in the course of driving to or from work, are rated out of the Private Passenger Chapter.

2. Private passenger autos which are part of a fleet are rated out of the Private Passenger Types Chapter.

3. All eligible public transportation autos are rated out of the Public Transportation Chapter.

4. All eligible commercial nonowned exposures are rated out of the Nonowned Auto Chapter.

Exception: All named nonowner policies are rated out of the Private Passenger Chapter.

5. All other eligible commercial autos are rated out of the Special Types and Operations Chapter.

C. Bodily Injury and Property Damage Liability Coverage

1. If increased limits (Rule 52) apply, multiply the rate determined above by the appropriate factor.

2. If pollution liability coverage (Rule 53) is required, multiply the rates determined above by the appro-priate factor.

3. If additional charges (Rule 3) for accidents and convictions apply, multiply the rates determined above by the appropriate factor.

4. If a certified risk—financial responsibility filing (Rule 4) is required, multiply the rates determined above by the appropriate factor.

5. Refer to experience rating plan (Rule 54).

6. Refer to audit (Rule 55).

D. Uninsured Motorists Coverage


E. Physical Damage Coverage—Applicable to Light Commercial Only

1. Business use trucks (including pickups and vans) with load capacities of 1,500 pounds or less shall be classified and rated as light commercial for the purposes of physical damage coverage.

Note: Such autos equipped with a fifth wheel or coupling for towing trailers, auto homes, or similar type autos shall not be classified as light commercial and are not eligible for physical damage coverage.

2. Autos of the private passenger type that have been altered and are used for retail or wholesale delivery shall be classified and rated as light commercial.

3. Refer to the Trucks, Tractors, and Trailers Chapter for development of the physical damage premium.

4. If additional charges for accidents and convictions (Rule 3) apply, multiply the rate determined above by the appropriate factor.


A. The increased limits table below shows the factors to be applied to the $25,000/50,000 bodily injury and $20,000 property damage rates to determine the premium for other limits.

NOTES: 1. For private passengers autos, refer to the Private Passenger Chapter.

2. For factors for limits required by law that are not shown, refer to Plan.

1. Split Limits Required by Law

Table 1

BILimit


Heavy Trucksand Truck- Tractors

$50/100 1.42 1.41 100/300 2.01 2.11

BILimit


Truck- Tractors

Zone Rated Risks

All OtherRisks

$50/100 1.42 1.43 1.41 100/300 2.18 2.07 1.99

Table 1A

PDLimits

All Trucksand

Truck-Tractors

$25,000 1.01 35,000 1.03 50,000 1.06

PDLimits

Zone Rated Risks

AllOtherRisks

$25,000 1.01 1.01 35,000 1.03 1.03 50,000 1.06 1.06








Rule 92. PREMIUM DEVELOPMENT—OTHER THAN ZONE RATED AUTOS



2. all other public autos which regularly operate within a 200-mile radius from the street address of princi-pal garaging. For those autos regularly operated beyond a 200-mile radius, refer to Rule 93. Premi-um Development—Zone Rated Autos Rule.

B. Premium Development—Bodily Injury and Property Damage Liability Coverage

1. Determine the territory from the territory definitions based on the highest rated territory (Rule 19) in the U.S.A. where the public auto is operated.

2. Determine the classification rating factor as follows:

a. Determine whether the risk is classified as fleet or nonfleet according to the Public Auto Classifications Rule (Rule 94).

b. Determine the primary rating factor from the Public Auto Classifications Rule (Rule 94) based on use class and radius class. For van pools, the rating factor is based on seating ca-pacity.

c. Determine the secondary rating factor, if any, from the Public Auto Classifications Rule (Rule 94) based on the seating capacity.

d. Determine the combined rating factor by adding the secondary rating factor to, or sub-tracting it from, the primary rating factor.

3. Determine the base rate from the Commercial Auto Rate Chapter.

4. For fleets, multiply the base premiums by the following factors:

Vehicle Type Factor

Taxis and Limousines 1.10

School and Church Buses 1.20

5. Multiply the rate determined above by the combined rating factor.


Rule 93. PREMIUM DEVELOPMENT—ZONE RATED AUTOS

A. This Rule applies to all public autos, other than taxis, limousines, school, church, and urban buses, or van pools, which regularly operate beyond a 200-mile radius from the street address of principal garaging.

B. Determine the zone combination for each auto as follows:

1. Use the long distance zone definitions in the Trucks, Tractors, and Trailers Chapter.

2. The zone combination is the zone of principal garaging and the highest rated zone included in the auto’s operations.

C. Premium Development—Bodily Injury and Property Damage

1. Determine the classification rating factor as follows:

a. Determine whether the auto is classified as fleet or nonfleet according to the Public Auto Classifications Rule (Rule 94).

b. Determine the primary rating factor from the Public Auto Classifications Rule (Rule 94).


2. Determine the base rate for the zone combination from the zone rating table in the Trucks, Tractors, and Trailers Chapter.

3. Multiply the base rate by the primary rating factor.



Classify public autos as follows:

A. If an auto has more than one use, use the highest rated classification unless 80% of the use is in a lower rated activity. In such cases, use the lower rated classifica-tion. This does not apply to autos hired under contract by social service agencies as defined in paragraph C.2.m.(2)(c) below.





4. Do not change the fleet or nonfleet classification because of midterm changes in the number of owned autos except at the request of the insured. The policy must be cancelled and rewritten in accordance with the Cancellations Rule (Rule 9)



WY 2012 Revision 002 C–28




a. Local—up to 50 Miles—The auto is not regu-larly operated beyond a radius of 50 miles from the street address where such auto is principally garaged.


c. Long Distance—over 200 Miles—The auto is operated regularly beyond a 200-mile radius from the street address where such auto is principally garaged. Apply zone rates for all autos other than taxis, limousines, school, church, and urban buses, and van pools.

2. Use Class

a. Taxicab or Similar Passenger Carrying Ser-vice. A metered or unmetered auto with a seat-ing capacity of eight or less that is operated for hire by the named insured or an employee, but does not pick up, transport, or discharge pas-sengers along a route.

b. Limousine. An unmarked auto with a seating capacity of eight or less that is operated for hire by the named insured or an employee and used on a prearranged basis for special or business functions, weddings, funerals, or sim-ilar purposes.

c. School Bus. An auto that carries students or other persons to and from school, or in any school activity, including games, outings, and similar school trips.




(2) A policy covering a school bus may be written on an annual term for liability coverages with premium prorated to re-flect the actual school term if the auto is inactive during the summer. However, do not give credit for Saturdays, Sundays, or holidays or for any other periods of lay-up during the school term.

(3) If a publicly owned school bus is used for special trips unrelated to school activities, refer to Plan for the additional charge.

d. Church Bus. An auto used by a church to transport persons to or from services and other church related activities. This classification does not apply to public autos used primarily for daily school activities.

e. Intercity Bus. An auto that picks up and trans-ports passengers on a published schedule of

stops between stations located in two or more towns or cities.

f. Urban Bus. An auto that picks up, transports, and discharges passengers at frequent local stops along a prescribed route. This classifica-tion applies only to autos operated principally within the limits of a city or town and communi-ties contiguous to such city or town, and in-cludes scheduled express service between points on that route.

g. Airport Bus or Airport Limousine. An auto for hire that transports passengers between air-ports and other passenger stations, or motels.

h. Charter Bus. An auto chartered for special trips, touring, picnics, outings, games, and similar uses.

i. Sightseeing Bus. An auto accepting individual passengers for a fare for sightseeing or guided tours, making occasional stops at certain points of interest and returning the passengers to the point of origin.

j. Transportation of Athletes and Entertainers. An auto owned by a group, firm or organization that transports its own professional athletes, musicians, or other entertainers.


(2) An auto owned by a group, firm, or organ-ization to transport its own nonprofession-al athletes, musicians, or entertainers, rate as a public auto not otherwise classi-fied.

k. Van Pools. An auto of the station wagon, van, truck, or bus type used to provide prearranged commuter transportation for employees to and from work and not otherwise used to transport passengers for a charge.

(1) Employer Furnished Transportation. Transportation is held out by the employer as an inducement to employment, a con-dition of employment, or is incident to em-ployment.

(a) Employer Owned Autos. Autos owned, or leased for one year or more, by an employer and used to provide transportation only for his or her employees.

(b) Employee Owned Autos. Autos owned or leased for one year or more, by an individual employee and used to provide transportation only for fellow employees of his or her em-ployer.

(2) All Other. Autos which do not meet the el-igibility requirements of paragraph (1) above.

l. Transportation of Employees—Other than Van Pools. Autos of any type used to transport em-ployees other than in van pools.







Charge the Private Passenger Type rates shown in the Commercial Auto Rate Chapter.

(b) All Other Autos. Rate as a van pool.

(2) Autos owned, or leased for one year or more, by a person or organization who is in the business of transporting employees of one or more employers. Rate as public auto not otherwise classified.






(c) children to day care centers, Head Start programs;



(a) Autos owned, or leased for one year or more, by the social service agency



(3) If an auto has more than one use, use the highest rated classification unless 80% of the use is in a lower rated activity. In that case, use the lower rated classification. This does not apply to autos hired under contract by social service agencies.

(4) Separate codes and rating factors apply to

(a) employee-operated autos. Autos op-erated by employees of the social service agency. If a social service au-to is also operated by volunteer driv-ers or other nonagency employees, use the all other classification unless 80% of the use is by agency employ-ees;

(b) all other. Autos which do not meet the requirements of paragraph (a).

n. Public Auto Not Otherwise Classified. This classification includes, but is not limited to, au-tos such as country club buses, cemetery bus-es, real estate development buses, and cour-tesy buses run by hotels.

o. See the Primary Classifications—Rating Factors and Classification Designator Tables.





FLEET

PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS

Taxicabs and

Limousines

Radius

Local Up to 50 Miles

Intermediate51 to 200

MilesLong Distance Over 200 Miles

BI and PD BI and PD BI and PDTaxicab or Similar

Passenger Carrying Service Factor CD

1.004189

1.154199

1.254109

Limousine Factor CD

.404289

.454299

.504209

School Buses and

Church Buses School Bus Owned by Political Subdivision or

School District

Factor CD

1.20 618

1.40 619

1.50 610


1.50628

1.75629

1.90620


1.00638

1.15639

1.25630

Other Buses

Urban Bus Factor CD

.80518

.90519

ZONE RATED


.70528

.80529

1.105209

Intercity Bus

Factor CD

1.05538

1.20539

1.855309

CharterBus

Factor CD

1.00548

1.15549

1.855409

Sightseeing Bus

Factor CD

.75558

.85559

1.655509

Trans. of Athletes and Entertainers

Factor CD

.45568

.50569

1.005609


Factor CD

.55648

.65649

.956409

Social Service Auto All Other

Factor CD

.50658

.60659

.956509

Public Auto NOC

Factor CD

.55588

.65589

.955809

Van Pools

Seating Capacity

1 to 8 9 to 20 21 to 60 Over 60

BI and PD BI and PD BI and PD BI and PDEmployerFurnished

FactorCD

1.004111

1.054112

1.10 4113

1.504114

AllOther

Factor CD

1.10 4121

1.15 4122

1.35 4123

1.75 4124






NONFLEET

PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS

Taxicabs and

Limousines

Radius

Local Up to 50 Miles

Intermediate51 to 200

Miles

Long DistanceOver 200

Miles

BI and PD BI and PD BI and PD Taxicab or Similar

Passenger Carrying Service FactorCD

1.004159

1.154169

1.254179

Limousine FactorCD

.404289

.454269

.504279

School Buses and

Church Buses School Bus Owned by Political Subdivision or

School District

Factor CD

1.20 615

1.40 616

1.50 617

Other School Bus FactorCD

1.50625

1.75626

1.90627

Church Bus FactorCD

1.00635

1.15636

1.25637

Other Buses

Urban Bus FactorCD

.80515

.90516

ZONE RATED

Airport Bus or Airport Limousine

FactorCD

.70525

.80526

1.105279

Intercity Bus

FactorCD

1.05535

1.20536

1.855379

CharterBus

FactorCD

1.00545

1.15546

1.855479

Sightseeing Bus

FactorCD

.75555

.85556

1.655579

Trans. of Athletes and Entertainers

FactorCD

.45565

.50566

1.005679


FactorCD

.55645

.65646

.956479

Social Service Auto All Other

FactorCD

.50655

.60656

.956579

Public Auto NOC

Factor CD

.55585

.65586

.955879

Van Pools Seating Capacity

1 to 8 9 to 20 21 to 60 Over 60BI and PD BI and PD BI and PD BI and PD

Employer Furnished Factor CD

1.004111

1.054112

1.10 4113

1.504114

All Other Factor CD

1.10 4121

1.15 4122

1.35 4123

1.75 4124









These classifications do not apply to taxicabs, limousines (except airport limousines), van pools, and zone rated autos.

Secondary Factor to Be Combined with Primary

Factor

Liability Factor

ClassDesignator

Seating Capacity

School Busesand Church

Buses OtherBuses

12349

1 to 8 9 to 20

21 to 60 Over 60

All Other—Not secondary rated

.00+.10 +.25 +.50

–.20 –.15 +.15 +.40

Rule 95. TRANSPORTATION OF MIGRANT AND SEASONAL WORKERS BY FARM LABOR CONTRACTORS

A. Eligibility

This Rule applies only to autos of a migrant farm labor contractor required to be registered in accordance with the Migrant and Seasonal Worker Protection Act 29 U.S.C.A. Section 1801 et seq.

B. Federal Liability Limit Requirements

$100,000 combined single limit (CSL) for each seat in the auto but in no event is the total insurance required to be more than $5,000,000 CSL for any one auto.

EXCEPTIONS:

1. The insured obtains a liability bond approved by the U.S. Secretary of Labor; or

2. The insured is an employer (as defined in the workers’ compensation laws of the state of head-quarters) who

a. obtains workers’ compensation coverage; and

b. transports workers only under circumstances for which there is workers’ compensation cov-erage; and

c. obtains insurance providing a minimum of $50,000 for loss or damage in any one acci-dent to the property of others (excluding car-go), or evidence of a general liability insurance policy that provides the same protection.

Note: Any person who relies solely on workers’ compensation coverage and is subsequently found to be transport-ing under conditions not covered by workers’ compensation (nonemploy-ee passengers or nonemployment re-

lated transportation) will be deemed to be transporting without required in-surance coverage.

C. Premium Development—Bodily Injury and Property Damage Liability Coverage

1. Multiply the Inter-City rate for the highest rated territory in which or through which the auto will be customarily operated for the transportation of migrant workers by the following factor(s):

a. Passenger Hazard Included

All Autos .50

b. Passenger Hazard Excluded

Single Limits BI PD

All Autos .375 .25 .50

Note: Coverage for the passenger hazard may be excluded only if the insured is exempt from the federal liability limit requirements.

2. No secondary factors apply.

Note: Autos rated out of this Rule are subject to the all other increased limits factors irrespective of the base rate used in developing the premium.

3. Refer to Rule 51 in the Commercial General Rules Chapter for further development of the total premi-um.

D. Certificates of Registration, Applications, Endorsements, and Certificates of Insurance

1. The insured must provide the servicing carrier with a copy of the Certificate of Registration issued by the Department of Labor or from a state agency authorized to issue such certificates on behalf of the Department of Labor.

2. Insureds Subject to the Federal Liability Limit Requirements

Attach the Farm Labor Contractors endorsement.

3. Insureds Exempt from the Federal Liability Limit Requirements

a. The Commercial Application Supplement—Farm Labor Contractors must be submitted with the Plan application.

b. The servicing carrier must be provided with a certificate of insurance directly from the work-ers’ compensation insurer covering the named insured prior to excluding the passenger haz-ard.

c. File no certificates of insurance with the U.S. Department of Labor or any other governmen-tal agency regulating insurance requirements for the transportation of migrant and seasonal workers.

d. Attach the Farm Labor Contractors—Limited endorsement.



WY 2012 Revision 002 CR–4



For Limits of $25,000/50,000 Bodily Injury and $20,000 Property Damage

PUBLIC AUTOS


Territory Bodily Injury Property Damage

11 $1,439 $1,313 12 1,301 1,186 13 999 911



11 $152 $139 12 137 125 13 106 97

OTHER BUSES


11 $1,012 $923 12 915 835 13 703 641

VAN POOLS


11 $346 $316 12 314 286 13 240 219

Objection #3

Relativity of the Symbol Group Rate Relativity of the Age Group Rate To the Same Age Group Rate To the Age Group 1 Rate

In the Base $4,501 - $6,000 Group Symbol Age $100 $250 Within the Same Symbol GroupComp. Coll. Group Group Comp. Coll. Comp. Coll.

0.50 0.50 $0 - 1 14 83 1.00 1.000.52 0.50 3000 2,3 13 74 0.93 0.890.50 0.50 4,5 11 66 0.79 0.800.50 0.50 6 9 54 0.64 0.65

0.79 0.80 $3001 - 1 22 132 1.00 1.000.80 0.80 4500 2,3 20 119 0.91 0.900.82 0.80 4,5 18 106 0.82 0.800.83 0.80 6 15 86 0.68 0.65

1.00 1.00 $4501 - 1 28 165 1.00 1.001.00 1.00 6000 2,3 25 149 0.89 0.901.00 1.00 4,5 22 132 0.79 0.801.00 1.00 6 18 107 0.64 0.65

1.36 1.38 $6001 - 1 38 227 1.00 1.001.36 1.37 8000 2,3 34 204 0.89 0.901.36 1.38 4,5 30 182 0.79 0.801.39 1.37 6 25 147 0.66 0.65

1.71 1.75 $8001 - 1 48 289 1.00 1.001.72 1.74 10000 2,3 43 260 0.90 0.901.73 1.75 4,5 38 231 0.79 0.801.72 1.76 6 31 188 0.65 0.65

2.29 2.30 $10001 - 1 64 380 1.00 1.002.32 2.30 15000 2,3 58 342 0.91 0.902.36 2.30 4,5 52 304 0.81 0.802.33 2.31 6 42 247 0.66 0.65

3.29 2.90 Over 1 92 479 1.00 1.003.32 2.89 15,000 2,3 83 431 0.90 0.903.36 2.90 4,5 74 383 0.80 0.803.33 2.91 6 60 311 0.65 0.65

Light TTT OCN TableComp coll 1 1.00

$0 -3000 0.50 0.50 2 0.90$3001 -4500 0.79 0.80 3 0.90$4501 -6000 1.00 1.00 4 0.80$6001 -8000 1.36 1.38 5 0.80$8001 -10000 1.71 1.75 6 0.65

$10001 -15000 2.29 2.30Over 15000 3.29 2.90

LIGHT TrucksAll Territories

Light TTT Age Table

Superseded Schedule Items Please note that all items on the following pages are items, which have been replaced by a newer version. The newest version is located with the appropriate scheduleon previous pages. These items are in date order with most recent first.

Creation Date

Schedule Item

Status Schedule Schedule Item Name

Replacement

Creation Date Attached Document(s)

02/06/2013 Supporting

Document

Rate/Rating Factor Sidebysides 03/08/2013 HI Excel 2.pdf (Superceded)


Document

Filing Cover Letter & Explanatory Memo 09/26/2012 HI 12-03.pdf (Superceded)


(Superceded)


(Superceded)


Document

Actuarial Support 09/26/2012 HI_TD rates.pdf (Superceded)

HI_EXB with Off-Balance

Calculations.pdf (Superceded)


Document

Rate/Rating Factor Sidebysides 02/06/2013 HI Excel.pdf (Superceded)


Document

Filing Cover Letter & Explanatory Memo 06/29/2012 HI 12-03.pdf



Document

Actuarial Support 06/29/2012 HI_TD rates.pdf








Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change

1 $298 293 1.7% $202 199 1.5% $192 188 2.1% $327 322 1.6% $213 209 1.9% $192 $188 2.1%

3 192 189 1.6% 121 119 1.7% 164 161 1.9% 212 208 1.9% 126 124 1.6% 164 161 1.9%

4 175 172 1.7% 111 109 1.8% 157 154 1.9% 192 189 1.6% 116 114 1.8% 157 154 1.9%

5 187 184 1.6% 119 117 1.7% 225 221 1.8% 205 202 1.5% 124 122 1.6% 225 221 1.8%

Proposed Current % Change Proposed Current % Change Proposed Current % Change

1 $547 568 -3.7% $259 264 -1.9% $293 310 -5.5%

3 478 497 -3.8% 181 184 -1.6% 285 301 -5.3%

4 476 494 -3.6% 181 184 -1.6% 290 306 -5.2%

5 497 516 -3.7% 209 213 -1.9% 323 341 -5.3%

VAN POOLS

Proposed Current ** % Change Proposed Current *** % Change Proposed Current ** % Change

1 $414 $955 -56.6% $281 $279 0.7% $207 $922 -77.5%

3 267 619 -56.9% 168 167 0.6% 177 790 -77.6%

4 243 561 -56.7% 154 153 0.7% 170 757 -77.5%

5 260 603 -56.9% 165 164 0.6% 243 1,087 -77.6%


Proposed



CurrentLimo/Taxi % Change

1 $1,190 679/1132 75.3/5.1% $489 282/469 73.4/4.3% $881 507/845 74.0/4.3%

3 772 440/734 75.5/5.2% 294 169/282 74.0/4.3% 755 435/724 74.0/4.3%

4 698 398/664 75.4/5.1% 267 154/256 73.4/4.3% 724 417/694 74.0/4.3%

5 750 428/713 75.2/5.2% 286 164/274 74.4/4.4% 1039 597/996 74.0/4.3%


Proposed Current* % Change Proposed Current* % Change Proposed Current* % Change

1 $265 382 -30.6% $206 297 -30.6% $271 369 -26.6%

3 172 248 -30.6% 124 178 -30.3% 232 316 -26.6%

4 156 224 -30.4% 113 163 -30.7% 223 303 -26.4%

5 167 241 -30.7% 121 174 -30.5% 320 435 -26.4%

OTHER BUSES

Proposed Current** % Change Proposed Current** % Change Proposed Current** % Change

1 $1,137 1,909 -40.4% $553 446 24.0% $823 1,843 -55.3%

3 737 1,238 -40.5% 331 267 24.0% 705 1,579 -55.4%

4 668 1,122 -40.5% 303 244 24.2% 675 1,513 -55.4%

5 718 1,205 -40.4% 324 261 24.1% 970 2,173 -55.4%

* Current 0‐30 passenger rate** Current 0‐12 passenger rate*** Subject to the minimum of 1.40 multiplied by the commercial auto nonfleet base rates


FleetNonfleet


Territory




PD Liability PIP


Territory



PIP

PD Liability PIP

PD Liability PIP

Territory

Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Proposed % Change

$62 62 0% 95 95 0% $37 37 0% $31 31 0% 47 47 0% $19 19 0%

Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Proposed % Change

117 117 0% 220 220 0% 88 88 0% 58 58 0% 110 110 0% 44 44 0%

UNINSURED MOTORISTS Rate Per Auto $20,000/40,000 Limits

Stacked Nonstacked

Public



Public All Other

Stacked Nonstacked

PPT Public All Other PPT



$0-6,500 1 50 56 -10.7% 32 35 -8.6% 44 50 -12.0% 27 31 -12.9%

2,3 45 51 -11.8% 28 32 -12.5% 39 45 -13.3% 24 28 -14.3%

4,5 40 45 -11.1% 25 28 -10.7% 35 40 -12.5% 22 25 -12.0%

6 32 37 -13.5% 20 23 -13.0% 28 32 -12.5% 18 20 -10.0%

6,501-8,000 1 66 75 -12.0% 42 47 -10.6% 58 66 -12.1% 36 41 -12.2%

2,3 59 68 -13.2% 38 42 -9.5% 52 59 -11.9% 32 37 -13.5%

4,5 53 60 -11.7% 34 38 -10.5% 46 53 -13.2% 29 33 -12.1%

6 43 49 -12.2% 27 31 -12.9% 38 43 -11.6% 23 27 -14.8%

8,001-9,000 1 80 91 -12.1% 51 57 -10.5% 70 80 -12.5% 44 50 -12.0%

2,3 72 82 -12.2% 46 51 -9.8% 63 72 -12.5% 39 45 -13.3%

4,5 64 73 -12.3% 41 45 -8.9% 56 64 -12.5% 35 40 -12.5%

6 52 59 -11.9% 33 37 -10.8% 46 52 -11.5% 28 32 -12.5%

9,001-10,000 1 90 103 -12.6% 58 64 -9.4% 79 90 -12.2% 49 56 -12.5%

2,3 81 92 -12.0% 52 58 -10.3% 72 81 -11.1% 44 51 -13.7%

4,5 72 82 -12.2% 46 52 -11.5% 64 72 -11.1% 39 45 -13.3%

6 59 67 -11.9% 37 42 -11.9% 52 59 -11.9% 32 37 -13.5%

10,001-11,250 1 102 116 -12.1% 65 72 -9.7% 89 102 -12.7% 55 63 -12.7%

2,3 91 104 -12.5% 58 65 -10.8% 80 91 -12.1% 50 57 -12.3%

4,5 81 92 -12.0% 52 58 -10.3% 71 81 -12.3% 44 51 -13.7%

6 66 75 -12.0% 42 47 -10.6% 58 66 -12.1% 36 41 -12.2%

11,251-12,500 1 113 128 -11.7% 72 80 -10.0% 99 113 -12.4% 62 70 -11.4%

2,3 102 115 -11.3% 65 72 -9.7% 89 102 -12.7% 55 63 -12.7%

4,5 90 103 -12.6% 57 64 -10.9% 79 90 -12.2% 49 56 -12.5%

6 73 83 -12.0% 47 52 -9.6% 64 73 -12.3% 40 46 -13.0%

12,501-13,750 1 123 140 -12.1% 79 88 -10.2% 108 123 -12.2% 67 77 -13.0%

2,3 111 126 -11.9% 71 79 -10.1% 98 111 -11.7% 61 69 -11.6%

4,5 99 112 -11.6% 63 70 -10.0% 87 99 -12.1% 54 61 -11.5%

6 80 91 -12.1% 51 57 -10.5% 70 80 -12.5% 44 50 -12.0%

13,751-15,000 1 135 153 -11.8% 86 96 -10.4% 118 135 -12.6% 73 84 -13.1%

2,3 121 138 -12.3% 77 86 -10.5% 106 121 -12.4% 66 75 -12.0%

4,5 108 122 -11.5% 69 77 -10.4% 95 108 -12.0% 59 67 -11.9%

6 88 99 -11.1% 56 62 -9.7% 77 88 -12.5% 48 54 -11.1%

15,001-16,250 1 147 167 -12.0% 94 105 -10.5% 129 147 -12.2% 80 91 -12.1%

2,3 132 151 -12.6% 84 94 -10.6% 116 132 -12.1% 72 82 -12.2%

4,5 118 134 -11.9% 75 84 -10.7% 103 118 -12.7% 64 73 -12.3%

6 96 109 -11.9% 61 68 -10.3% 84 96 -12.5% 52 59 -11.9%

16,251-17,500 1 161 183 -12.0% 102 115 -11.3% 142 161 -11.8% 88 100 -12.0%

2,3 145 165 -12.1% 92 103 -10.7% 127 145 -12.4% 79 90 -12.2%

4,5 129 146 -11.6% 82 92 -10.9% 113 129 -12.4% 70 80 -12.5%

6 105 119 -11.8% 67 75 -10.7% 92 105 -12.4% 57 65 -12.3%

17,501-18,750 1 177 201 -11.9% 113 126 -10.3% 155 177 -12.4% 96 110 -12.7%

2,3 159 181 -12.2% 101 113 -10.6% 140 159 -11.9% 87 99 -12.1%

4,5 142 161 -11.8% 90 101 -10.9% 124 142 -12.7% 77 88 -12.5%

6 115 131 -12.2% 73 82 -11.0% 101 115 -12.2% 63 71 -11.3%

18,751-20,000 1 $192 218 -11.9% 122 137 -10.9% $169 192 -12.0% $105 119 -11.8%

2,3 173 196 -11.7% 110 123 -10.6% 152 173 -12.1% 94 107 -12.1%

4,5 154 175 -12.0% 98 109 -10.1% 135 154 -12.3% 84 95 -11.6%

6 125 142 -12.0% 79 89 -11.2% 110 125 -12.0% 68 78 -12.8%

20,001-22,000 1 210 239 -12.1% 134 149 -10.1% 184 210 -12.4% 114 130 -12.3%

2,3 189 215 -12.1% 120 135 -11.1% 166 189 -12.2% 103 117 -12.0%

4,5 168 191 -12.0% 107 120 -10.8% 148 168 -11.9% 92 104 -11.5%

6 136 155 -12.3% 87 97 -10.3% 120 136 -11.8% 74 85 -12.9%

5

$100 Deductible Comprehensive

Territory




5

$100 Deductible Comprehensive

Territory


22,001-24,000 1 232 263 -11.8% 147 165 -10.9% 204 232 -12.1% 126 144 -12.5%

2,3 208 237 -12.2% 133 148 -10.1% 183 208 -12.0% 114 130 -12.3%

4,5 185 211 -12.3% 118 132 -10.6% 163 185 -11.9% 101 115 -12.2%

6 151 171 -11.7% 96 107 -10.3% 132 151 -12.6% 82 94 -12.8%

24,001-26,000 1 252 287 -12.2% 160 180 -11.1% 222 252 -11.9% 138 157 -12.1%

2,3 227 258 -12.0% 144 162 -11.1% 199 227 -12.3% 124 141 -12.1%

4,5 202 229 -11.8% 128 144 -11.1% 177 202 -12.4% 110 125 -12.0%

6 164 186 -11.8% 104 117 -11.1% 144 164 -12.2% 89 102 -12.7%

26,001-28,000 1 272 309 -12.0% 173 194 -10.8% 239 272 -12.1% 148 169 -12.4%

2,3 245 278 -11.9% 156 174 -10.3% 215 245 -12.2% 133 152 -12.5%

4,5 218 247 -11.7% 138 155 -11.0% 191 218 -12.4% 119 135 -11.9%

6 177 201 -11.9% 112 126 -11.1% 155 177 -12.4% 96 110 -12.7%

28,001-30,000 1 291 331 -12.1% 185 207 -10.6% 256 291 -12.0% 159 181 -12.2%

2,3 262 298 -12.1% 167 187 -10.7% 230 262 -12.2% 143 163 -12.3%

4,5 233 265 -12.1% 148 166 -10.8% 205 233 -12.0% 127 145 -12.4%

6 189 215 -12.1% 120 135 -11.1% 166 189 -12.2% 103 118 -12.7%

30,001-33,000 1 315 358 -12.0% 200 224 -10.7% 277 315 -12.1% 172 196 -12.2%

2,3 283 322 -12.1% 180 202 -10.9% 249 283 -12.0% 155 176 -11.9%

4,5 252 286 -11.9% 160 179 -10.6% 221 252 -12.3% 137 156 -12.2%

6 205 233 -12.0% 130 146 -11.0% 180 205 -12.2% 112 127 -11.8%

33,001-36,000 1 343 * * 218 * * 301 * * 187 * *

2,3 308 * * 196 * * 271 * * 168 * *

4,5 274 * * 174 * * 241 * * 149 * *

6 223 * * 142 * * 196 * * 121 * *

36,001-40,000 1 374 * * 238 * * 329 * * 204 * *

2,3 337 * * 214 * * 296 * * 184 * *

4,5 299 * * 191 * * 263 * * 163 * *

6 243 * * 155 * * 214 * * 133 * *

40,001-45,000 1 414 * * 263 * * 364 * * 226 * *

2,3 372 * * 237 * * 327 * * 203 * *

4,5 331 * * 211 * * 291 * * 181 * *

6 269 * * 171 * * 236 * * 147 * *

45,001-50,000 1 457 * * 291 * * 402 * * 249 * *

2,3 412 * * 262 * * 362 * * 225 * *

4,5 366 * * 233 * * 322 * * 200 * *

6 297 * * 189 * * 261 * * 162 * *

50,001-60,000 1 $521 * * $332 * * $458 * * $284 * *

2,3 469 * * 299 * * 412 * * 256 * *

4,5 417 * * 265 * * 367 * * 228 * *

6 339 * * 216 * * 298 * * 185 * *

60,001-70,000 1 605 * * 385 * * 532 * * 330 * *

2,3 545 * * 347 * * 479 * * 297 * *

4,5 484 * * 308 * * 425 * * 264 * *

6 393 * * 250 * * 346 * * 215 * *

70,001-80,000 1 688 * * 438 * * 605 * * 375 * *

2,3 620 * * 394 * * 544 * * 338 * *

4,5 551 * * 350 * * 484 * * 300 * *

6 447 * * 285 * * 393 * * 244 * *




$0-6,500 1 320 361 -11.4% 326 369 -11.7% 313 354 -11.6% 389 439 -11.4%

2,3 288 325 -11.4% 294 332 -11.4% 282 318 -11.3% 350 396 -11.6%

4,5 256 289 -11.4% 261 295 -11.5% 250 283 -11.7% 311 352 -11.6%

6 208 235 -11.5% 212 240 -11.7% 203 230 -11.7% 253 286 -11.5%

6,501-8,000 1 376 425 -11.5% 384 434 -11.5% 368 416 -11.5% 458 517 -11.4%

2,3 338 383 -11.7% 346 391 -11.5% 331 374 -11.5% 412 465 -11.4%

4,5 301 340 -11.5% 307 347 -11.5% 294 333 -11.7% 366 414 -11.6%

6 244 276 -11.6% 250 282 -11.3% 239 270 -11.5% 298 336 -11.3%

8,001-9,000 1 410 463 -11.4% 419 473 -11.4% 401 453 -11.5% 499 564 -11.5%

2,3 369 417 -11.5% 377 426 -11.5% 361 408 -11.5% 449 507 -11.4%

4,5 328 371 -11.6% 335 378 -11.4% 321 363 -11.6% 399 451 -11.5%

6 266 301 -11.6% 272 307 -11.4% 261 295 -11.5% 324 366 -11.5%

9,001-10,000 1 436 493 -11.6% 445 503 -11.5% 427 483 -11.6% 531 600 -11.5%

2,3 393 444 -11.5% 401 453 -11.5% 384 434 -11.5% 478 540 -11.5%

4,5 349 394 -11.4% 356 403 -11.7% 342 386 -11.4% 425 480 -11.5%

6 284 320 -11.3% 290 327 -11.3% 277 314 -11.8% 345 390 -11.5%

10,001-11,250 1 459 519 -11.6% 468 529 -11.5% 449 508 -11.6% 559 631 -11.4%

2,3 413 467 -11.6% 422 477 -11.5% 404 457 -11.6% 503 568 -11.4%

4,5 367 415 -11.6% 375 424 -11.6% 359 406 -11.6% 447 505 -11.5%

6 298 337 -11.6% 305 344 -11.3% 292 330 -11.5% 363 410 -11.5%

11,251-12,500 1 481 544 -11.6% 492 556 -11.5% 471 532 -11.5% 586 662 -11.5%

2,3 433 490 -11.6% 442 500 -11.6% 424 479 -11.5% 528 596 -11.4%

4,5 385 435 -11.5% 393 444 -11.5% 377 426 -11.5% 469 529 -11.3%

6 313 354 -11.6% 319 361 -11.6% 306 346 -11.6% 381 430 -11.4%

12,501-13,750 1 508 574 -11.5% 518 586 -11.6% 497 562 -11.6% 618 698 -11.5%

2,3 457 516 -11.4% 467 527 -11.4% 447 505 -11.5% 556 628 -11.5%

4,5 406 459 -11.5% 415 469 -11.5% 397 449 -11.6% 495 558 -11.3%

6 330 373 -11.5% 337 381 -11.5% 323 365 -11.5% 402 454 -11.5%

13,751-15,000 1 534 604 -11.6% 545 616 -11.5% 523 591 -11.5% 650 734 -11.4%

2,3 481 543 -11.4% 491 555 -11.5% 470 532 -11.7% 585 661 -11.5%

4,5 427 483 -11.6% 436 493 -11.6% 418 473 -11.6% 520 587 -11.4%

6 347 392 -11.5% 354 401 -11.7% 340 384 -11.5% 423 477 -11.3%

15,001-16,250 1 560 633 -11.5% 572 647 -11.6% 548 620 -11.6% 682 770 -11.4%

2,3 504 570 -11.6% 515 582 -11.5% 493 558 -11.6% 614 693 -11.4%

4,5 448 507 -11.6% 458 517 -11.4% 439 496 -11.5% 546 616 -11.4%

6 364 412 -11.7% 372 420 -11.4% 356 403 -11.7% 444 501 -11.4%

16,251-17,500 1 587 663 -11.5% 599 677 -11.5% 574 649 -11.6% 714 807 -11.5%

2,3 528 597 -11.6% 539 609 -11.5% 517 584 -11.5% 643 726 -11.4%

4,5 469 530 -11.5% 479 542 -11.6% 459 519 -11.6% 572 645 -11.3%

6 381 431 -11.6% 389 440 -11.6% 373 422 -11.6% 464 524 -11.5%

Territory





Territory



17,501-18,750 1 617 697 -11.5% 630 712 -11.5% 604 682 -11.4% 751 848 -11.4%

2,3 555 627 -11.5% 567 641 -11.5% 543 614 -11.6% 676 763 -11.4%

4,5 493 558 -11.6% 504 569 -11.4% 483 546 -11.5% 601 678 -11.4%

6 401 453 -11.5% 409 463 -11.7% 392 443 -11.5% 488 551 -11.4%

18,751-20,000 1 $647 731 -11.5% $660 746 -11.5% $633 716 -11.6% $788 889 -11.4%

2,3 582 658 -11.6% 594 672 -11.6% 570 644 -11.5% 709 800 -11.4%

4,5 517 585 -11.6% 528 597 -11.6% 506 572 -11.5% 630 711 -11.4%

6 420 475 -11.6% 429 485 -11.5% 411 465 -11.6% 512 578 -11.4%

20,001-22,000 1 684 774 -11.6% 699 790 -11.5% 670 757 -11.5% 834 941 -11.4%

2,3 616 696 -11.5% 629 711 -11.5% 603 681 -11.5% 750 847 -11.5%

4,5 547 619 -11.6% 559 632 -11.6% 536 606 -11.6% 667 753 -11.4%

6 445 503 -11.5% 454 513 -11.5% 435 492 -11.6% 542 612 -11.4%

22,001-24,000 1 729 825 -11.6% 745 842 -11.5% 714 807 -11.5% 889 1,003 -11.4%

2,3 656 742 -11.6% 670 758 -11.6% 643 726 -11.4% 800 903 -11.4%

4,5 584 660 -11.5% 596 674 -11.6% 571 646 -11.6% 711 802 -11.3%

6 474 536 -11.6% 484 547 -11.5% 464 525 -11.6% 578 652 -11.3%

24,001-26,000 1 771 871 -11.5% 787 890 -11.6% 754 853 -11.6% 939 1,060 -11.4%

2,3 694 784 -11.5% 708 801 -11.6% 679 768 -11.6% 845 954 -11.4%

4,5 617 697 -11.5% 630 712 -11.5% 604 682 -11.4% 751 848 -11.4%

6 501 566 -11.5% 512 578 -11.4% 490 554 -11.6% 610 689 -11.5%

26,001-28,000 1 812 918 -11.5% 829 937 -11.5% 795 899 -11.6% 989 1,117 -11.5%

2,3 731 826 -11.5% 746 844 -11.6% 715 809 -11.6% 890 1,005 -11.4%

4,5 650 734 -11.4% 664 750 -11.5% 636 719 -11.5% 791 893 -11.4%

6 528 597 -11.6% 539 609 -11.5% 517 584 -11.5% 643 726 -11.4%

28,001-30,000 1 854 965 -11.5% 872 985 -11.5% 835 944 -11.5% 1,040 1,174 -11.4%

2,3 768 868 -11.5% 785 887 -11.5% 752 850 -11.5% 936 1,056 -11.4%

4,5 683 772 -11.5% 697 788 -11.5% 668 755 -11.5% 832 939 -11.4%

6 555 627 -11.5% 567 640 -11.4% 543 614 -11.6% 676 763 -11.4%

30,001-33,000 1 902 1,020 -11.6% 922 1,042 -11.5% 883 998 -11.5% 1,099 1,241 -11.4%

2,3 812 918 -11.5% 829 937 -11.5% 795 899 -11.6% 989 1,117 -11.5%

4,5 722 816 -11.5% 737 833 -11.5% 707 799 -11.5% 879 993 -11.5%

6 587 663 -11.5% 599 677 -11.5% 574 649 -11.6% 714 807 -11.5%

33,001-36,000 1 951 * * 972 * * 931 * * 1,159 * *

2,3 856 * * 874 * * 838 * * 1,043 * *

4,5 761 * * 777 * * 745 * * 927 * *

6 618 * * 631 * * 605 * * 753 * *

36,001-40,000 1 1,000 * * 1,021 * * 979 * * 1,218 * *

2,3 900 * * 919 * * 881 * * 1,096 * *

4,5 800 * * 817 * * 783 * * 975 * *

6 650 * * 664 * * 636 * * 792 * *



Territory



40,001-45,000 1 1,060 * * 1,083 * * 1,038 * * 1,292 * *

2,3 954 * * 975 * * 934 * * 1,162 * *

4,5 848 * * 866 * * 830 * * 1,033 * *

6 689 * * 704 * * 675 * * 840 * *

45,001-50,000 1 1,124 * * 1,148 * * 1,100 * * 1,369 * *

2,3 1,012 * * 1,033 * * 990 * * 1,232 * *

4,5 899 * * 919 * * 880 * * 1,096 * *

6 731 * * 746 * * 715 * * 890 * *

50,001-60,000 1 $1,214 * * $1,240 * * $1,189 * * $1,479 * *

2,3 1,093 * * 1,116 * * 1,070 * * 1,331 * *

4,5 972 * * 992 * * 951 * * 1,183 * *

6 789 * * 806 * * 773 * * 962 * *

60,001-70,000 1 1,331 * * 1,359 * * 1,303 * * 1,621 * *

2,3 1,198 * * 1,223 * * 1,172 * * 1,459 * *

4,5 1,065 * * 1,087 * * 1,042 * * 1,297 * *

6 865 * * 884 * * 847 * * 1,054 * *

70,001-80,000 1 1,448 * * 1,478 * * 1,417 * * 1,763 * *

2,3 1,303 * * 1,331 * * 1,275 * * 1,587 * *

4,5 1,158 * * 1,183 * * 1,133 * * 1,411 * *

6 941 * * 961 * * 921 * * 1,146 * *


Light Trucks

Proposed Current % Change Proposed Current % Change

$0-3,000 1 $14 14 0.0% $75 83 -9.6%

2,3 13 13 0.0% 68 74 -8.1%

4,5 11 11 0.0% 60 66 -9.1%

6 9 9 0.0% 49 54 -9.3%

3,001-4,500 1 22 22 0.0% 120 132 -9.1%

2,3 20 20 0.0% 108 119 -9.2%

4,5 18 18 0.0% 96 106 -9.4%

6 14 15 -6.7% 78 86 -9.3%

4,501-6,000 1 28 28 0.0% 150 165 -9.1%

2,3 25 25 0.0% 135 149 -9.4%

4,5 22 22 0.0% 120 132 -9.1%

6 18 18 0.0% 98 107 -8.4%

6,001-8,000 1 38 38 0.0% 207 227 -8.8%

2,3 34 34 0.0% 186 204 -8.8%

4,5 30 30 0.0% 166 182 -8.8%

6 25 25 0.0% 135 147 -8.2%

8,001-10,000 1 48 48 0.0% 263 289 -9.0%

2,3 43 43 0.0% 236 260 -9.2%

4,5 38 38 0.0% 210 231 -9.1%

6 31 31 0.0% 171 188 -9.0%

10,001-15,000 1 64 64 0.0% 345 380 -9.2%

2,3 58 58 0.0% 311 342 -9.1%

4,5 51 52 -1.9% 276 304 -9.2%

6 42 42 0.0% 224 247 -9.3%

Over 15,000 1 92 92 0.0% 435 479 -9.2%

2,3 83 83 0.0% 392 431 -9.0%

4,5 74 74 0.0% 348 383 -9.1%

6 60 60 0.0% 283 311 -9.0%


Medium Trucks


$0-4,500 1 $13 13 0.0% $57 63 -9.5%

2,3 12 12 0.0% 51 57 -10.5%

4,5 11 11 0.0% 46 51 -9.8%

6 9 9 0.0% 37 41 -9.8%

4,501-6,000 1 22 22 0.0% 104 115 -9.6%

2,3 20 20 0.0% 94 104 -9.6%

4,5 18 18 0.0% 83 92 -9.8%

6 14 14 0.0% 68 75 -9.3%

6,001-8,000 1 30 30 0.0% 142 158 -10.1%

2,3 27 27 0.0% 128 142 -9.9%

4,5 24 24 0.0% 114 127 -10.2%

6 19 19 0.0% 93 103 -9.7%

8,001-10000 1 37 37 0.0% 182 201 -9.5%

2,3 34 34 0.0% 164 181 -9.4%

4,5 30 30 0.0% 146 161 -9.3%

6 24 24 0.0% 118 131 -9.9%

10,001-15,000 1 52 52 0.0% 244 270 -9.6%

2,3 47 47 0.0% 220 243 -9.5%

4,5 41 41 0.0% 196 216 -9.3%

6 34 34 0.0% 159 176 -9.7%

15,001-20,000 1 66 66 0.0% 286 316 -9.5%

2,3 59 59 0.0% 257 285 -9.8%

4,5 53 53 0.0% 229 253 -9.5%

6 43 43 0.0% 186 206 -9.7%

Over 20,000 1 88 88 0.0% 338 374 -9.6%

2,3 79 79 0.0% 304 336 -9.5%

4,5 70 70 0.0% 270 299 -9.7%

6 57 57 0.0% 220 243 -9.5%




$0-8,000 1 $16 $16 0.0% $77 85 -9.4%

2,3 14 14 0.0% 69 76 -9.2%

4,5 13 12 8.3% 61 68 -10.3%

6 10 10 0.0% 50 55 -9.1%

8,001-10,000 1 25 24 4.2% 128 141 -9.2%

2,3 22 22 0.0% 115 127 -9.4%

4,5 20 19 5.3% 102 113 -9.7%

6 16 16 0.0% 83 92 -9.8%

10,001-15,000 1 35 34 2.9% 170 187 -9.1%

2,3 32 30 6.7% 153 168 -8.9%

4,5 28 27 3.7% 136 149 -8.7%

6 23 22 4.5% 111 121 -8.3%

15,001-20,000 1 49 48 2.1% 206 226 -8.8%

2,3 44 43 2.3% 185 203 -8.9%

4,5 39 38 2.6% 165 180 -8.3%

6 32 31 3.2% 134 147 -8.8%

20,001-25,000 1 63 61 3.3% 228 250 -8.8%

2,3 57 55 3.6% 205 225 -8.9%

4,5 50 49 2.0% 182 200 -9.0%

6 41 40 2.5% 148 163 -9.2%

25,001-40,000 1 91 89 2.2% 275 303 -9.2%

2,3 82 80 2.5% 248 273 -9.2%

4,5 73 71 2.8% 220 243 -9.5%

6 59 58 1.7% 179 197 -9.1%

40,001-65,000 1 147 143 2.8% 384 423 -9.2%

2,3 132 129 2.3% 346 381 -9.2%

4,5 118 114 3.5% 307 338 -9.2%

6 96 93 3.2% 250 275 -9.1%

Over 65,000 1 217 211 2.8% 481 529 -9.1%

2,3 195 190 2.6% 433 476 -9.0%

4,5 174 169 3.0% 385 423 -9.0%

6 141 137 2.9% 313 344 -9.0%




$0-8,000 1 $13 13 0.0% $65 71 -8.5%

2,3 12 12 0.0% 59 64 -7.8%

4,5 10 10 0.0% 52 57 -8.8%

6 8 8 0.0% 42 46 -8.7%

8,001-10,000 1 20 20 0.0% 108 118 -8.5%

2,3 18 18 0.0% 97 106 -8.5%

4,5 16 16 0.0% 86 94 -8.5%

6 13 13 0.0% 70 77 -9.1%

10,001-15,000 1 28 28 0.0% 142 156 -9.0%

2,3 25 25 0.0% 128 141 -9.2%

4,5 22 22 0.0% 114 125 -8.8%

6 18 18 0.0% 92 102 -9.8%

15,001-20,000 1 40 40 0.0% 172 189 -9.0%

2,3 36 36 0.0% 155 170 -8.8%

4,5 32 32 0.0% 137 151 -9.3%

6 26 26 0.0% 112 123 -8.9%

20,001-25,000 1 51 51 0.0% 190 209 -9.1%

2,3 46 46 0.0% 171 189 -9.5%

4,5 41 41 0.0% 152 168 -9.5%

6 33 33 0.0% 124 136 -8.8%

25,001-40,000 1 74 74 0.0% 231 254 -9.1%

2,3 67 67 0.0% 208 228 -8.8%

4,5 59 59 0.0% 185 203 -8.9%

6 48 48 0.0% 150 165 -9.1%

40,001-65,000 1 119 119 0.0% 322 354 -9.0%

2,3 107 107 0.0% 290 319 -9.1%

4,5 95 95 0.0% 258 283 -8.8%

6 77 77 0.0% 210 230 -8.7%

Over 65,000 1 176 176 0.0% 403 443 -9.0%

2,3 159 158 0.6% 363 398 -8.8%

4,5 141 141 0.0% 323 354 -8.8%

6 114 114 0.0% 262 288 -9.0%

$100 Deductible Comprehensive $250 Deductible CollisionOriginal Cost New Age Group



$0-1000 1 $18 18 0.0% $110 122 -9.8%

2,3 16 16 0.0% 99 109 -9.2%

4,5 15 14 7.1% 88 97 -9.3%

6 12 12 0.0% 71 79 -10.1%

1,001-2,000 1 37 36 2.8% 158 174 -9.2%

2,3 33 32 3.1% 142 156 -9.0%

4,5 29 29 0.0% 126 139 -9.4%

6 24 23 4.3% 103 113 -8.8%

2,001-3,000 1 61 60 1.7% 268 295 -9.2%

2,3 55 54 1.9% 241 266 -9.4%

4,5 49 48 2.1% 214 236 -9.3%

6 40 39 2.6% 174 192 -9.4%

3,001-4,500 1 85 84 1.2% 426 469 -9.2%

2,3 77 76 1.3% 384 422 -9.0%

4,5 68 67 1.5% 341 375 -9.1%

6 56 55 1.8% 277 305 -9.2%

4,501-6,000 1 122 120 1.7% 632 695 -9.1%

2,3 110 108 1.9% 569 626 -9.1%

4,5 98 96 2.1% 506 556 -9.0%

6 79 78 1.3% 411 452 -9.1%

6,001-8,000 1 165 162 1.9% 871 958 -9.1%

2,3 148 146 1.4% 784 860 -8.8%

4,5 132 130 1.5% 697 765 -8.9%

6 107 105 1.9% 566 621 -8.9%

8,001-10,000 1 214 210 1.9% 1,136 1,251 -9.2%

2,3 192 189 1.6% 1,023 1,126 -9.1%

4,5 171 168 1.8% 909 1,001 -9.2%

6 139 137 1.5% 739 813 -9.1%

10,001-20,000 1 348 342 1.8% 1,672 1,842 -9.2%

2,3 313 308 1.6% 1,505 1,658 -9.2%

4,5 278 274 1.5% 1,338 1,473 -9.2%

6 226 222 1.8% 1,087 1,197 -9.2%

20,001-40,000 1 702 690 1.7% 2,463 2,711 -9.1%

2,3 631 621 1.6% 2,217 2,439 -9.1%

4,5 561 552 1.6% 1,970 2,168 -9.1%

6 456 449 1.6% 1,601 1,762 -9.1%

Over 40,000 1 1,165 1,146 1.7% 3,409 3,753 -9.2%

2,3 1,049 1,031 1.7% 3,068 3,378 -9.2%

4,5 932 917 1.6% 2,727 3,002 -9.2%

6 757 745 1.6% 2,216 2,439 -9.1%




$0-3,000 1 $28 * * $96 * *2,3 25 * * 86 * *4,5 22 * * 76 * *6 18 * * 62 * *

3,001-4,500 1 $44 * * $153 * *2,3 40 * * 138 * *4,5 35 * * 122 * *6 29 * * 99 * *

4,501-6,000 1 $56 * * $191 * *2,3 50 * * 172 * *4,5 45 * * 153 * *6 36 * * 124 * *

6,001-8,000 1 $76 * * $264 * *2,3 68 * * 237 * *4,5 61 * * 211 * *6 49 * * 171 * *

8,001-10,000 1 $96 * * $335 * *2,3 86 * * 301 * *4,5 77 * * 268 * *6 62 * * 217 * *

10,001-15,000 1 $128 * * $440 * *2,3 115 * * 396 * *4,5 102 * * 352 * *6 83 * * 286 * *

Over $15,000 1 $184 * * $554 * *2,3 166 * * 499 * *4,5 147 * * 443 * *6 120 * * 360 * *




* Taxis are currently rated using the PPT base rate multiplied by 2.00.The proposed rating is one rate for all territories.

All Buses

Proposed Current % Change Proposed Current *** % Change

$0-3,000 1 $55 ** ** $94 85 10.6%

2,3 50 ** ** 85 76 11.8%

4,5 44 ** ** 75 68 10.3%

6 36 ** ** 61 55 10.9%

3,001-4,500 1 $87 ** ** $151 85 77.6%

2,3 78 ** ** 136 76 78.9%

4,5 70 ** ** 121 68 77.9%

6 57 ** ** 98 55 78.2%

4,501-6,000 1 $110 ** ** $188 85 121.2%

2,3 99 ** ** 170 76 123.7%

4,5 88 ** ** 151 68 122.1%

6 72 ** ** 122 55 121.8%

6,001-8,000 1 $150 ** ** $260 85 205.9%

2,3 135 ** ** 234 76 207.9%

4,5 120 ** ** 208 68 205.9%

6 97 ** ** 169 55 207.3%

8,001-10,000 1 $188 ** ** $330 141 134.0%

2,3 169 ** ** 297 127 133.9%

4,5 151 ** ** 264 113 133.6%

6 122 ** ** 214 92 132.6%

10,001-15,000 1 $252 ** ** $433 187 131.6%

2,3 227 ** ** 390 168 132.1%

4,5 202 ** ** 347 149 132.9%

6 164 ** ** 282 121 133.1%

Over $15,000 1 $362 ** ** $546 226 141.6%

2,3 326 ** ** 492 203 142.4%

4,5 290 ** ** 437 180 142.8%

6 235 ** ** 355 147 141.5%


*** Most of the bus rates work off of the heavy collision truck rates.

** All Other Buses Comp = 88 cents per $100


Proposed Rule Number Title % Change

3

Certified Risks--Financial Respon. Laws PPOwners 1.10 1.50/ 1.25/ 1.05 36.4/13.6/-4.5%

All Other 1.50/ 1.25/ 1.05 1.50/ 1.25/ 1.05 0.0%


PPT % Change All Other % Change PPT % Change All Other % Change

Full 1.300 of $50 Ded * 1.250 * 1.508 * 1.438 *$50 1.160 of $100 Ded * 1.150 * 1.160 * 1.150 *100 1.000 of $100 Ded * 1.000 * 1.000 * 1.000 *250 .900 of $100 Ded * 0.900 * 0.900 * 0.900 *500 .775 of $100 Ded * 0.775 * 0.775 * 0.775 *


Coll. Ded. PPT * All Other * PPT * All Other *$50 1.250 of $100 Ded * 1.200 * 1.413 * 1.344 *100 1.130 of $250 Ded * 1.120 * 1.130 * 1.120 *250 1.000 of $250 Ded * 1.100 * 1.000 * 1.000 *500 .930 of $250 Ded * 0.930 * 0.930 * 0.930 *

1,000 .780 of $250 Ded * 0.780 * 0.780 * 0.780 *1,500 .820 of $1,000 Ded * 0.850 * 0.640 * 0.663 *2,000 .690 of $1,000 Ded * 0.690 * 0.538 * 0.538 *

* Factors changed due to changing to a consistent base deductible. No % Change



73 Trucks, Tractors, & Trailers Classificaitons Amusement Devices None 1.600 NA-New Rating

133 Ambulances BI, PD, & PIP 3.00 1.750 -41.7%

Comp/Coll 1.00/1.50 .40/.60 -60/-60%

134 Driver Training Programs…

Dual Controls BI, PD, & PIP 0.75 0.50 -33.3%No Dual ContBI, PD, & PIP 1.00 1.00 0.0%

Comp 1.00 0.85 -15.0%

Coll Dual/No Dual Cont 1.00 .50/1.00 -50.0/0.0%

135 Fire Departments

PPT BI, PD, & PIP 1.00 0.80 -20.0%

Comp/Coll 0.50 .40/.45 -20.0/-10.0%

Trailer BI, PD, & PIP 1.60 0.25 -84.4%

Comp/Coll 1.00 0.35 -65.0%

All Other BI, PD, & PIP 1.60 0.90 -43.8%

Comp/Coll 1.00 0.35 -65.0%

136 Funeral Directors

Limo BI, PD, & PIP 1.00 0.70 -30.0%

Comp/Coll 0.70 0.60 -14.3%

Hearse/Flower Car BI, PD, & PIP 1.00 0.55 -45.0%

Comp/Coll .50/.40 .50/.45 0.0/12.5%

Combination Hearse and Ambulance BI & PIP 3.00 1.75 -41.7%

PD 2.00 1.75 -12.5%

Comp/Coll .75/1.00 .40/.60 -46.7/-40%

Comp. Ded.



Proposed Rule Number Title % ChangeProposed Rate/Rating Factor


All Other BI, PD, & PIP Reg Use Factor Reg Use Factor NA

Comp/Coll Reg Use Factor Reg Use Factor NA

137 Law Enforcement Agency Autos

PPT BI, PD, & PIP 1.00 1.15 15.0%

Comp/Coll 1.00 .90/1.00 -10/0%

All Other--stationed at HQ BI, PD, & PIP 1.60 1.40 -12.5%

Comp/Coll 1.50 0.90 -40.0%

All Other--Not stationed at HQ BI, PD, & PIP 1.00 1.40 40.0%

Comp/Coll 1.50 0.90 -40.0%

138 Leasing or Rental Concerns

Rented by Hour, Day, Week, or Month

PPT BI, PD, & PIP 2.50 3.50 40.0%

Comp/Coll 3.00 .509/1.389 -83.0/-53.7%

Truck BI, PD, & PIP 4.00 2.50 -37.5%

Comp/Coll Reg Use Factor 4.30 NA

Tractor BI, PD, & PIP 4.00 2.75 -31.3%


Trailer BI, PD, & PIP 0.25 0.10 -60.0%

Comp/Coll 0.25 0.20 -20.0%

139 Mobile or Farm

Operations Coverage Excluded

Air Compressors, etc. BI, PD, & PIP 1.00 1.00 0.0%

Comp/Coll 1.00 .600/.650 -40.0/-35.0%

Cranes, Ditch Diggers, etc. BI, PD, & PIP 1.25 1.00 -20.0%

Comp/Coll 1.25 .600/.650 -52.0/-48.0

Well Drilling Machinery BI, PD, & PIP 0.60 1.00 66.7%

Comp/Coll 0.60 .600/.650 0/8.3%

Full Liability Provided

Bulldozers BI, PD, & PIP 1.25 1.00 -20.0%

Comp/Coll 1.25 .600/.650 -52.0/-48.0%

Harvesting Combines BI, PD, & PIP 1.60 0.15 -90.6%

Comp/Coll 1.60 .450/.300 -71.9/-81.3%

140 Motor Homes

Overall Length > 22 ft BI, PD, & PIP 1.60 0.75 -53.1%

Comp/Coll 1.00 0.50 -50.0%

Overall Length <= 22 ft BI, PD, & PIP 1.25 0.60 -52.0%

Comp/Coll 1.00 0.50 -50.0%

141 Antique Autos BI, PD, & PIP 0.25 0.14 -44.0%

Comp $1.00/$100 of ins $.56/$100 of ins -$ .44

Coll $1.15/$100 of ins $.49/$100 of ins -$ .66


1.00 1.00 0% 2.70NA/2.00

PPT NA/35% 1.15 1.00 15% 3.10 NA/2.00 PPT NA/55%

Limousine 0.40 1.00 -60% 1.35 1.00 35% 0.45 1.00 -55% 1.55 1.00 0.55

School Buses and Church Buses Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change

School Bus owned by Political Subdivision or School District 1.20 0.70 71% 0.50 0.50 0% 1.40 0.70 100% 0.55 0.50 0.10

Other School Bus 1.50 1.00 50% 0.50 0.50 0% 1.75 1.00 75% 0.55 0.50 0.10

Church Bus 1.00 1.00 0% 1.00

1.00/2.00Heavy Truck 0/-50% 1.15 1.00 15% 1.15

1.00/2.00 Heavy Truck 15/-42.5%

Other Buses Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change

Urban Bus 0.80 1.00 -20% 1.45 1.00/2.00 45/-27.5% 0.90 1.00 -10% 1.65 1.00/2.00 65/-17.5%

Airport Bus or Airport Limousine 0.70 0.50 40% 1.55

1.00/2.00 Heavy Truck 55/-22.5% 0.80 0.50 60% 1.80

1.00/2.00 Heavy Truck 80/-10%

Intercity Bus 1.05 1.00 5% 0.95 1.00/2.00 -5/-52.5% 1.20 1.00 20% 1.10 1.00/2.00 10/-45%

Charter Bus 1.00 1.00 0% 1.55 1.00 55% 1.15 1.00 15% 1.80 1.00 0.80

Sightseeing Bus 0.75 1.00 -25% 0.90

1.00/2.00 Heavy Truck -10/-55% 0.85 1.00 -15% 1.05

1.00/2.00 Heavy Truck 5/-47.5%

Trans. of Athletes and Entertainers 0.45 NA NA 1.40 NA NA 0.50 NA NA 1.60 1.00/2.00 60/-20%

Social Service Auto Employee-Operated 0.55 1.00 -45% 1.20 1.00 20% 0.65 1.00 -35% 1.40 2.00 -0.30

Social Service Auto All Other 0.50 1.00 -50% 1.20 2.00 -40% 0.60 1.00 -40% 1.40 2.00 -0.30

Public Auto NOC 0.55 NA NA 1.25 NA NA 0.65 NA NA 1.45 NA NA

Seating Capacity

Van Pools Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change

Employer Furnished 1.00 1.00 0% 0.50 1.00 -50% 1.05 0.50 110% 0.45 1.00/2.00 -55/-77.5% 1.10 0.50 120% 0.40 1.00/2.00 -60/-80% 1.10 0.50 120% 0.45 1.00/2.00 -55/-77.5%

All Other 1.10 1.00 10% 0.65 1.00 -35% 1.15 0.50 130% 0.55 1.00/2.00 -45/-72.5% 1.35 0.50 170% 0.50 1.00/2.00 -50/-75% 1.35 0.50 170% 0.35 1.00/2.00 -65/-82.5%

PhD


Radius


BI, PD, & PIP PhD

1 to 8 9 to 20 21 to 60 Over 60

PhD BI, PD, & PIP PhDBI, PD, & PIP BI, PD, & PIP

PUBLIC AUTO PRIMARY CLASSIFICATIONS—RATING FACTORS AND CLASSIFICATION DESIGNATORS

Local

Up to 50 Miles

RBI, PD, & PIP Comp. & Coll. RBI, PD, & PIP Comp. & Coll.

Intermediate

51 to 200 Miles

GLEN BRONSTEIN DAVID L. KOHLHAMMER Chairperson President

“Serving the Insurance Industry”

302 Central Avenue, Johnston, Rhode Island 02919 (401) 946-2310 FAX (401) 528-1350

May 16, 2012

Mr. Gordon Ito, Commissioner Hawaii Department of Commerce & Consumer Affairs Insurance Division PO Box 3614 Honolulu, HI 96811-3614

Attn.: Gordon Ito, Commissioner

Hawaii Joint Underwriting Plan Simplified Manual of Rules and Rates

AIPSO Filing No. HI 12-03

Dear Mr. Ito:

On behalf of the subscribers to the Hawaii Joint Underwriting Plan, we are filing the attached amendments at the request of the Board of Governors.

Proposed Effective Date

The first day of the sixth month following the date of your approval

Defining the Issue

AIPSO has developed a simplified format for the auto insurance residual market manuals. This project addresses a need identified in a survey of Governing Committee members and producers from several states. The need was to design a manual that was easy to use and easy to understand. The new format provides comprehensive rating rules. It is designed to eliminate ambiguities that have been identified by insurance company personnel and producers.

Care has been taken to ensure that simplification has no effect on language that has been reviewed by the courts.

The attached proposed manual is based on the current Hawaii Joint Underwriting Plan Manual. We suggest that the Department review the proposed manual and side-by-sides reading the explanatory memorandum (which details the actual changes) as they compare the current manual with the proposed manual. The Department should not be concerned with typographical faults such as alignment of columns or page breaks. After a final manual has been approved by the Insurance Department, it will be professionally typeset with such faults corrected.

Action Needed

We respectfully request your prompt consideration and approval of this filing.

Proposal

We propose a new simplified format of the Manual of Rules and Rates.

2

Impact

The proposed manual will:

(1) Combine the Personal Manual and Commercial Manual into one manual.

(2) The simplified format of the Manual of Rules and Rates will provide rating procedures that are easier to use by producers and companies.

Attachments

Exhibit A—Explanatory Memorandum

Exhibit B—Actuarial Support

Side-by-side comparison of current

Private Passenger Manual

Commercial Auto Manual

Proposed HJUP Simplified Manual of Rules and Rates

Please contact the undersigned at 1-800-827-6302 ext. 3410 if you have any questions.

Sincerely, Christopher A. Young, CPCU, CIC, CCP

Andrea C. Olson, CPCU, Senior Product Analyst Manuals and Policy Forms

Attach.

pc: Mr. Tom Neagle, Team Leader―AIPSO Mr. Tom Assad―AIPSO

Exhibit A Explanatory Memorandum

May 16, 2012 Page 1 of 7

The attached Simplified Manual of Rules and Rates tracks the HI Joint Underwriting Plan Rating Manual provisions revised to:

A. Combine the Personal Manual and Commercial Manual into one manual.

B. Provide four distinct chapters:

1. General Rules Chapter

2. Private Passenger Rules and Rates Chapter

3. Commercial General Rules Chapter

4. Commercial Rules and Rates Chapters

C. Reorder the rules to more accurately follow the rating steps.

D. Replace:

1. “he” and “his” with “he or she” and “his or her”;

2. “Automobile”, “car”, “vehicle” and “motor vehicle” with “auto” (except in car-pool, flower car, armored car, motor vehicle records, motor vehicle insurance law, and reference to vehicle in the mobile equipment rule, etc.);

3. “Commercial Automobiles” with “Trucks, Tractors, and Trailers”;

4. “Delivery sedan” with “van”; and

5. “Liability” with “Residual Bodily Injury and Property Damage Liability”.

E. Comply with Hawaii statutes and update the rating provisions and classification plans to track the current Manual revisions, the Hawaii Insurance Bureau (HIB)/Insurance Services Office (ISO) rating provisions and classification plans with the following exception:

HIB/ISO language has been simplified and clarified to track changes introduced in other residual market mechanisms.

F. Comply with 2011 Hawaii Senate Bill No. 232 to reference civil unions.

G. Introduce a General Rules Chapter as follows:

1. Premium Development (New Rule 1) is introduced as a rule for determination of whether the risk should be rated under the private passenger chapter or the commercial chapters.

2. Classification of Risks Not Specifically Included in This Manual (New Rule 2) is introduced to outline when individual risk submissions are appropriate and the procedures for requesting same.

3. Certified Risks—Financial Responsibility Laws (Current Rule 15 for private passenger and Rule 7 for commercial—New Rule 3) is revised for private passenger risks to eliminate the .10 surcharge for owners and replace it with the same surcharge provisions as apply to nonowners and commercial risks.

4. Whole Dollar Premium (Current Rule 11 for private passenger and Rule 10 for commercial—New Rule 4) is unchanged.

Page 2 of 7 May 16, 2012

2

5. Minimum Policy Premium (Current Rule 7 for private passenger and Rule 11 for commercial—New Rule 5) is retitled and revised to clarify that the minimum annual premium is a policy minimum premium and is inclusive of increased limit factors.

6. Policy Period (Current Rule 8 for private passenger and Rule 2 for commercial—New Rule 6) is unchanged.

7. Changes (Current Rule 9 for private passenger and Rule 3 for commercial—New Rule 7) is unchanged.

8. Cancellations (Current Rule 10 for private passenger and Rule 4 for commercial—New Rule 8) is revised to include a pro rate table and a pro rata example.

9. Rules 9 through 18 are reserved for future use to allow for introduction of future rules in front of the territory pages.

10. Territories (Current Rule 20 for private passenger and page T-1 for commercial—New Rule 19) and corresponding territory definitions are unchanged.

H. Amend the Private Passenger Rules Chapter as follows:

1. Definitions (Current Rule 1—New Rule 20) is revised to:

a. delete definitions currently contained under this rule that are not needed;

b. introduce a definition of fleet;

c. incorporate definitions for named nonowners and all autos rated in the Private Passenger Chapter; and

d. specify that for other private passenger type autos, refer to the Private Passenger Types Chapter if appropriate.

2. Eligibility (Current Rule 2—New Rule 21) is retitled.

3. Personal Auto Policy Eligibility (Current Rule 2A—New Rule 22) is unchanged.

4. Premium Development (Current Rule 3—New Rule 23) is revised to provide comprehensive rating instructions.

5. Private Passenger Auto Classifications (Current Rule 4—New Rule 24) is retitled and revised to:

a. introduce a clarifying chart; and

b. eliminate unnecessary language.

6. Increased Limits (Current Rule 18—New Rule 25) is amended to include increased limits factors for all other risks. In addition, the increased limits factors for named nonowner risks were incorporated from the current Commercial Auto Manual.

7. Safe Driver Insurance Plan (SDIP) (Current Rule 5—New Rule 26) is revised to:

a. add the following to the list of exceptions for chargeable accidents:

May 16, 2012 Page 3 of 7

3

accidents in which the auto was struck in the rear by another auto and the applicant or operator has not been convicted of a moving violation in connection with the accident; and

b. consistently refer to points as penalty points;

c. clarify the term “usually operates” with respect to operators;

d. clarify multi-auto risks for the purposes of the rule; and

e. introduce a chart simplifying the number of points applicable for various convictions.

8. Uninsured and Underinsured Motorists Coverages (Current Rule 14—New Rule 27) is retitled.

9. Personal Injury Protection and Optional Benefits Coverages (Current Rule 14—New Rule 28) is retitled.

10. Deductible Insurance (Current Rule 14—New Rule 29) is retitled and revised to track the new format of the proposed rate pages.

11. Named Nonowner (Current Rule 16 for private passenger and Rule 79 for commercial—New Rule 30) is revised to:

a. clarify that named nonowner coverage is available to any resident individuals; and

b. provide comprehensive premium development instructions.

12. Recreational Trailers and Camper Bodies (Current Rule 100 of the Commercial Auto Manual—New Rule 31) is retitled and transferred from the Miscellaneous Chapter. It is revised to provide comprehensive premium development instructions. Rating provisions for liability coverage are eliminated.

13. Motor Homes (Current Rule 100 of the Commercial Auto Manual—New Rule 32) is retitled and transfered from the Miscellaneous Chapter. It is revised to provide comprehensive premium development instructions.

14. Antique Autos (Current Rule 104 of the Commercial Auto Manual—New Rule 33) is transferred from the Miscellaneous Chapter. It is revised to provide comprehensive premium development instructions.

15. Miscellaneous Types (Current Rule 19) has been eliminated. Current rate pages A-1–A-6 and R-1–R-7 are eliminated and incorporated into the Private Passenger Auto Rate Chapter.

16. A Private Passenger Liability Rating Worksheet is introduced.

17. The Private Passenger Physical Damage Rating Worksheet is amended editorially.

I. Amend the Commercial General Rules Chapter as follows:

1. Premium Development (Current Rule 5—New Rule 51) retitled and revised to:

a. clarify the determination of which commercial chapter is applicable;

b. provide comprehensive premium development instructions; and

Page 4 of 7 May 16, 2012

4

c. clarify that increased limits factors and additional charges are applicable to coverage minimum premiums but not to the policy minimum premium.

2. Increased Limits (Current Rule 1—New Rule 52) is retitled and reformatted to

a. state that minimum coverage premiums are subject to increased limits factors; and

b. add increased limits factors for all commercial auto classifications.

In addition, this rule is amended to clarify that the limits of liability may be required by contract.

3. Additional Charges (Current Rules 6 and 47—New Rule 53) is revised to:

a. combine the surcharge rules for taxi & livery autos and all other risks into one rule; and

b. add accidents in which the auto was struck in the rear by another auto and the applicant or operator has not been convicted of a moving violation in connection with the accident to the list of exceptions for chargeable accidents.

4. Experience Rating Plan (Current pages ER-1–ER-4—New Rule 54) is unchanged.

5. Uninsured and Underinsured Motorists Coverages (Current Rule 14 and 14A—New Rule 55) is retitled and revised to reformat the two rules into one rule.

6. Age Group (Current Rule 8—New Rule 56) is retitled.

7. Deductible Insurance (Current Rule 15—New Rule 57) is revised to track the format of the new rate pages.

8. Rule for Determining Actual Cash Value Premiums Not Displayed (Current Rule 9), Rules for Determining Other Than Collision Premium Above $33,000 Original Cost New Not Displayed on Rate Pages (Current Rule 12), Formula for Calculating Collision Premiums Above $33,000 Original Cost New Not Displayed on Rate Pages (Current Rule 12A), Amphibious Equipment (Current Rule 13), Combined Additional Coverage With or Without Malicious Mischief and Vandalism (Current Rule 17), and Emergency Operation (Current Rule 21) are deleted in their entirety.

9. Changes (Current Rule 3), Cancellation (Current Rule 4), Certified Risks—Financial Responsibility Laws (Current Rule 7), Whole Dollar Premium (Current Rule 10), and Minimum Premium Rule (Current Rule 11) have been moved to the General Rules Chapter of the manual. Private Passenger Automobile Classification (Current Rule 29) has been moved to the Private Passenger Types Chapter of the manual.

J. Amend the Trucks, Tractors and Trailers Chapter as follows:

1. A preamble which defines “regular” and “regularly” is added.

2. Eligibility (Current lead-in—New Rule 71) is revised to replace the phrase “a motor vehicle of the truck type” with “trucks”.

3. Premium Development (Current Rule 32—New Rule 72) is revised to:

a. clarify the determination of the combined rating factor in paragraph C;

b. refer to the special provisions for trucks, tractors and trailers; and

May 16, 2012 Page 5 of 7

5

c. refer to the premium development rule in the Commercial General Rules Chapter for development of the final premium.

4. Classifications (Current Rule 33—New Rule 73) is retitled and revised to:

a. introduce a definition of local and intermediate;

b. clarify the business use classifications; (This clarification is based upon the guidelines published by ISO with the introduction of the new commercial automobile class plan, effective October 1, 1975.);

c. describe the primary classifications for fleet and nonfleet in two tables;

d. revise the primary classifications for risks operating in the intermediate radius;

e. clarify the secondary classifications;

f. emphasize that the Dump Truck Secondary Factor only applies if no other secondary classification applies;

g. provide a rating procedure for amusement devices; and

h. list the appropriate endorsements under the special provisions for certain risks.

5. Truckers (Current Rule 34—New Rule 74) is retitled and revised to:

a. provide comprehensive premium development procedures; and

b. refer to the premium development rule in the Commercial General Rules Chapter for development of the final premium.

6. A truck, tractors, and trailers rating worksheet is added.

7. Definitions (Current Rule 30) is deleted.

K. Amend the Private Passenger Types Chapter as follows:

1. Eligibility (New Rule 81) is introduced; and

2. Premium Development (Current Rule 29—New Rule 82) is retitled and revised to refer to the premium development rule in the Commercial General Rules Chapter for development of the final premium.

L. Amend the Public Transportation Chapter as follows:

1. A preamble which defines “regular” and “regularly” is added.

2. Eligibility (Current Rule 45 Definition—New Rule 91) is retitled and editorial revisions have also been made.

3. Premium Development (Current Rule 46—New Rule 92) is retitled and revised to:

a. clarify territory determination (Current Rule 46.C—New Rule 92, paragraph B only);

b. revise the premium development instructions; and

c. refer to the premium development rule in the Commercial General Rules Chapter for development of the final premium.

4. Classifications (Current Rule 47—New Rule 93) is retitled and revised to track Insurance Services Office, Inc. and HIB.

Page 6 of 7 May 16, 2012

6

5. The additional charges provisions for public autos have been eliminated as they are newly contained in the Additional Charges Rule contained in the Commercial General Rules Chapter.

6. A rating worksheet for public transportation autos is added.

M. Delete the Nonowners Chapter since the Named Nonowner Rule (Current Rule 79) has been moved to the Private Passenger Chapter.

N. Amend the Miscellaneous Chapter by retitling it as Special Types and Operations and as follows:

1. Eligibility (New Rule 131) is introduced.

2. Premium Development (New Rule 132) is introduced to:

a. refer to the premium development rule in the Commercial General Rules Chapter for development of the final premium;

b. clarify that autos rated under the Special Types Chapter are subject to the “All Other” increased limits factors; and

c. clarify the use of base rates in the premium development procedures of each rule by consistently referencing the appropriate base rate and the applicable factor. For example, “multiply the Trucks, Tractors and Trailers base rate shown on the rate schedules by 1.50”.

3. Ambulance Services (Current Rule 89—New Rule 133) is retitled and revised to:

a. amend the rating of these autos;

b. delete reference to invalid cars; and

c. introduce references to the appropriate endorsement(s).

4. Driver Training Programs—Educational Institutions and Commercial Driving Schools (Current Rule 94—New Rule 134) is retitled and revised to:

a. amend the rating of these autos; and

b. introduce references to the appropriate endorsement(s).

5. Fire Departments (Current Rule 87—New Rule 135) is revised to:



6. Funeral Directors (Current Rule 90—New Rule 136) is revised to:



7. Law Enforcement Agencies (Current Rule 88—New Rule 137) is revised to:

a. state that it applies to all public and private police or security agencies;

b. amend the rating of these autos; and


May 16, 2012 Page 7 of 7

7

8. Leasing or Rental Concerns (Current Rule 105—New Rule 138) is revised to

a. clarify that the reference to bus risks means public auto risks (paragraph A.3);

b. clarify that coverage applies to the owner and the rentee (paragraphs B.1 and B.2);

c. amend the rating of these autos; and

d. introduce references to the appropriate endorsement(s).

9. Special or Farm Equipment (Current Rule 86—New Rule 139) is retitled and revised to:

a. provide rating procedures for any mobile equipment subject to auto insurance laws;

b. track ISO’s reduction of the farm equipment factor from .200 to .150; and


10. Motor Homes (Current Rule 100—New Rule 140) is retitled and revised to amend the rating of these autos.

11. Antique Autos (Current Rule 104—New Rule 141) is revised to:



12. Transportation of Employees (Current Rule 95) is eliminated as these types of autos are handled under the Public Transportation Chapter of the Manual. Golfmobiles and Any Other Similar Motor Vehicle Used for Commercial Purposes (Current Rule 101) and Fleet Plan—Eligibility (Current Rule 115) are eliminated.


HAWAII

JOINT UNDERWRITING

PLAN MANUAL June 29, 2012 Draft




Distributed by

AIPSO


NOTES


i June 29, 2012 Draft


TABLE OF CONTENTS








SYMBOL FACTORS ........................................................................................................................................................ R–6



June 29, 2012 Draft ii








G–1




June 29, 2012 Draft G–2


NOTES


G–3 June 29, 2012 Draft



















A. The additional premium shall be computed by applying the applicable surcharge in paragraph B to the premium for the highest rated auto owned by the insured, modified in accordance with any applicable rating plan.























GENERAL RULES






Rule 7. CHANGES

























EXCEPTIONS:












Example:





GENERAL RULES

G–5 June 29, 2012 Draft


PRO RATA TABLE


Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 1 0.003 1 32 0.088 1 60 0.164 1 91 0.249 1 121 0.332 1 152 0.4162 2 0.005 2 33 0.090 2 61 0.167 2 92 0.252 2 122 0.334 2 153 0.4193 3 0.008 3 34 0.093 3 62 0.170 3 93 0.255 3 123 0.337 3 154 0.4224 4 0.011 4 35 0.096 4 63 0.173 4 94 0.258 4 124 0.340 4 155 0.4255 5 0.014 5 36 0.099 5 64 0.175 5 95 0.260 5 125 0.342 5 156 0.427

6 6 0.016 6 37 0.101 6 65 0.178 6 96 0.263 6 126 0.345 6 157 0.4307 7 0.019 7 38 0.104 7 66 0.181 7 97 0.266 7 127 0.348 7 158 0.4338 8 0.022 8 39 0.107 8 67 0.184 8 98 0.268 8 128 0.351 8 159 0.4369 9 0.025 9 40 0.110 9 68 0.186 9 99 0.271 9 129 0.353 9 160 0.43810 10 0.027 10 41 0.112 10 69 0.189 10 100 0.274 10 130 0.356 10 161 0.441

11 11 0.030 11 42 0.115 11 70 0.192 11 101 0.277 11 131 0.359 11 162 0.44412 12 0.033 12 43 0.118 12 71 0.195 12 102 0.279 12 132 0.362 12 163 0.44713 13 0.036 13 44 0.121 13 72 0.197 13 103 0.282 13 133 0.364 13 164 0.44914 14 0.038 14 45 0.123 14 73 0.200 14 104 0.285 14 134 0.367 14 165 0.45215 15 0.041 15 46 0.126 15 74 0.203 15 105 0.288 15 135 0.370 15 166 0.455

16 16 0.044 16 47 0.129 16 75 0.205 16 106 0.290 16 136 0.373 16 167 0.45817 17 0.047 17 48 0.132 17 76 0.208 17 107 0.293 17 137 0.375 17 168 0.46018 18 0.049 18 49 0.134 18 77 0.211 18 108 0.296 18 138 0.378 18 169 0.46319 19 0.052 19 50 0.137 19 78 0.214 19 109 0.299 19 139 0.381 19 170 0.46620 20 0.055 20 51 0.140 20 79 0.216 20 110 0.301 20 140 0.384 20 171 0.468

21 21 0.058 21 52 0.142 21 80 0.219 21 111 0.304 21 141 0.386 21 172 0.47122 22 0.060 22 53 0.145 22 81 0.222 22 112 0.307 22 142 0.389 22 173 0.47423 23 0.063 23 54 0.148 23 82 0.225 23 113 0.310 23 143 0.392 23 174 0.47724 24 0.066 24 55 0.151 24 83 0.227 24 114 0.312 24 144 0.395 24 175 0.47925 25 0.068 25 56 0.153 25 84 0.230 25 115 0.315 25 145 0.397 25 176 0.482

26 26 0.071 26 57 0.156 26 85 0.233 26 116 0.318 26 146 0.400 26 177 0.48527 27 0.074 27 58 0.159 27 86 0.236 27 117 0.321 27 147 0.403 27 178 0.48828 28 0.077 28 59 0.162 28 87 0.238 28 118 0.323 28 148 0.405 28 179 0.49029 29 0.079 29 88 0.241 29 119 0.326 29 149 0.408 29 180 0.49330 30 0.082 30 89 0.244 30 120 0.329 30 150 0.411 30 181 0.49631 31 0.085 31 90 0.247 31 151 0.414


Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

Day of Month

Day of Year Ratio

1 182 0.499 1 213 0.584 1 244 0.668 1 274 0.751 1 305 0.836 1 335 0.918 2 183 0.501 2 214 0.586 2 245 0.671 2 275 0.753 2 306 0.838 2 336 0.921 3 184 0.504 3 215 0.589 3 246 0.674 3 276 0.756 3 307 0.841 3 337 0.923 4 185 0.507 4 216 0.592 4 247 0.677 4 277 0.759 4 308 0.844 4 338 0.926 5 186 0.510 5 217 0.595 5 248 0.679 5 278 0.762 5 309 0.847 5 339 0.929 6 187 0.512 6 218 0.597 6 249 0.682 6 279 0.764 6 310 0.849 6 340 0.9327 188 0.515 7 219 0.600 7 250 0.685 7 280 0.767 7 311 0.852 7 341 0.9348 189 0.518 8 220 0.603 8 251 0.688 8 281 0.770 8 312 0.855 8 342 0.9379 190 0.521 9 221 0.605 9 252 0.690 9 282 0.773 9 313 0.858 9 343 0.94010 191 0.523 10 222 0.608 10 253 0.693 10 283 0.775 10 314 0.860 10 344 0.942 11 192 0.526 11 223 0.611 11 254 0.696 11 284 0.778 11 315 0.863 11 345 0.94512 193 0.529 12 224 0.614 12 255 0.699 12 285 0.781 12 316 0.866 12 346 0.94813 194 0.532 13 225 0.616 13 256 0.701 13 286 0.784 13 317 0.868 13 347 0.95114 195 0.534 14 226 0.619 14 257 0.704 14 287 0.786 14 318 0.871 14 348 0.95315 196 0.537 15 227 0.622 15 258 0.707 15 288 0.789 15 319 0.874 15 349 0.956 16 197 0.540 16 228 0.625 16 259 0.710 16 289 0.792 16 320 0.877 16 350 0.95917 198 0.542 17 229 0.627 17 260 0.712 17 290 0.795 17 321 0.879 17 351 0.96218 199 0.545 18 230 0.630 18 261 0.715 18 291 0.797 18 322 0.882 18 352 0.96419 200 0.548 19 231 0.633 19 262 0.718 19 292 0.800 19 323 0.885 19 353 0.96720 201 0.551 20 232 0.636 20 263 0.721 20 293 0.803 20 324 0.888 20 354 0.970 21 202 0.553 21 233 0.638 21 264 0.723 21 294 0.805 21 325 0.890 21 355 0.97322 203 0.556 22 234 0.641 22 265 0.726 22 295 0.808 22 326 0.893 22 356 0.97523 204 0.559 23 235 0.644 23 266 0.729 23 296 0.811 23 327 0.896 23 357 0.97824 205 0.562 24 236 0.647 24 267 0.732 24 297 0.814 24 328 0.899 24 358 0.98125 206 0.564 25 237 0.649 25 268 0.734 25 298 0.816 25 329 0.901 25 359 0.984

26 207 0.567 26 238 0.652 26 269 0.737 26 299 0.819 26 330 0.904 26 360 0.98627 208 0.570 27 239 0.655 27 270 0.740 27 300 0.822 27 331 0.907 27 361 0.98928 209 0.573 28 240 0.658 28 271 0.742 28 301 0.825 28 332 0.910 28 362 0.99229 210 0.575 29 241 0.660 29 272 0.745 29 302 0.827 29 333 0.912 29 363 0.99530 211 0.578 30 242 0.663 30 273 0.748 30 303 0.830 30 334 0.915 30 364 0.99731 212 0.581 31 243 0.666 31 304 0.833 31 365 1.000



GENERAL RULES








Hawaii) ............................................................................ 05


Oahu) .............................................................................. 01






P–1




June 29, 2012 Draft P–2


NOTES


P–3 June 29, 2012 Draft




















B. Named Nonowner




D. Camper Bodies


E. Motor Homes



F. Antique Autos













PRIVATE PASSENGER

















a. The state department of human services (DHS) will provide a certificate of eligibility for JUP coverage to eligible drivers/owners who desire basic auto policy coverage under JUP, in accordance with section 16-23-72(a)(5) and 16-23-73. The driver will submit the certificate in person or by mail to the servicing carrier of his or her choice for an auto policy. The certifi-cate will be accepted by the servicing carrier in accordance with section 16-23-73 and treated as if it were payment in full for the requested auto coverages. The service carrier will promptly notify the director of human services of public assistance recipients which it insures.










PRIVATE PASSENGER



B. A Personal Auto Policy will be used to afford coverage to private passenger auto and an auto considered as private passenger autos in Rule 20 if:






if:








F. Every auto required to be registered in Hawaii and rated in accordance with this Manual will be afforded the following minimum mandatory coverages: residual bodily injury liability, property damage liability, and personal injury protection. Except as provided by 431:10C-407(b)(3), HRS, uninsured motorist and underinsured motorists coverages will also be afforded unless rejected in writing. Refer to the personal injury protection and optional benefits coverages rule for personal injury protection coverage and uninsured motorists and underinsured motorists coverage rule for uninsured and underinsured motorists coverage requirements.






















c. If a certified risk—financial responsibility filing (Rule 3) is required, the rates determined above are increased by the appropriate factor.


PRIVATE PASSENGER

























Refer to Rule 30.








Use 1A 1B 3











For farm family copartnerships or farm family corporations, an owned private passenger auto principally garaged on a farm or ranch will be


PRIVATE PASSENGER



classified and rated as pleasure use provided the auto is:





a. No business use.





A. Split Limits

Table 1

RBI Limits

Private Passenger

Named Nonowner

All Other Risks

50/100 1.42 1.68 1.68 100/300 1.66 2.20 2.20 300/300* 1.83 3.00 3.00 300/600* 1.86 3.03 3.03

Table 1A

PD Limits

Private Passenger

Named Nonowner

All Other Risks

$15,000 1.01 1.05 1.06 20,000 1.02 1.07 1.10 30,000 1.04 1.09 1.14 50,000* 1.08 1.11 1.17





A. Eligibility








Exception:



1. New Business



2. Renewal Business














NOTES:



PRIVATE PASSENGER





1. Accidents















2. Convictions




8 b. revocation of




8 d. homicide or








6 h. revocation of


6


PRIVATE PASSENGER












applicant for license or registration, or procuring a license or registration through impersonation whether for himself or another



4 o. permitting an


4

Penalty

Points for First

Convic-tion




3 4 q. operating an auto


3 4

Penalty

Points for First

Convic-tion


tion r. any moving traffic


1 2







H. Multiauto Risk






1 .05 2 .10 3 .15 4 .50 5 .75 6 1.00

7 or more 1.50



PRIVATE PASSENGER





1. Owners


EXCEPTIONS:










2. Rates


3. Nonowners



1. Owners

This form of auto insurance will be afforded, on a stacked basis, at limits equal to the residual bodily injury liability limits on the policy, under every auto

liability policy issued or delivered to the owner of an auto registered or principally garaged in Hawaii.

EXCEPTIONS:








(b) If the named insured rejects the stacked underinsured motorists coverage option in writ-ing, the the nonstacked coverage must apply to all autos insured under the policy.


2. Rates

Refer to rate schedules of this Manual for $20,000/40,000 underinsured motorists coverage. Increased limits will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for underinsured motorist coverage.

3. Nonowners







PRIVATE PASSENGER












$1,000/6,000 1.96 1,500/9,000 2.84

2,000/12,000 3.63



Limit Factor

$50,000 2.00 75,000 3.00

100,000 4.00






100 1.000 250 0.900 500 0.775

1,000 0.581

Deductible Factor 1,500 0.481 2,000 0.419



1,000 0.780 1,500 0.640 2,000 0.538




Deductible Factor

$100 0.050 300 0.100 500 0.150

1,000 0.200











PRIVATE PASSENGER












B. Camper Bodies




Exceptions





D. Physical Damage








A. Motor Homes
















A. Antique Autos









PRIVATE PASSENGER









PRIVATE PASSENGER




Coverage

Base Rate (Rate

Schedules And Rule

27)



Schedules)


(SDIP) (Rule 26)


(Rule 25)

Certified Risk

Factor (Rule 3)

PIP Deductible

Credit (Rule 29.C)

WholeDollar

Premium

RBI LIAB. X ( +

) X X NA =


NA =

UM NA NA X NA NA =

UIM NA NA X NA NA =

PIP X (

+

) X NA X – =

COMP.**

COLL.**

Total =



R–1 June 29, 2012 Draft




June 29, 2012 Draft R–2


NOTES









Model Year Factor

Symbol Factor


Base Rates














$975



Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $614 $180 $297 $218 $150 $109 $75

03 587 145 349 218 150 109 75

04 407 124 212 218 150 109 75

05 607 157 340 218 150 109 75


Territory $20,000/40,000

RBI $10,000

PD $10,000

PIP

$20,000/40,000 Stacked


UM UIM UM UIM

01 $338 $180 $194 $218 $150 $109 $75

03 308 145 227 218 150 109 75

04 213 124 122 218 150 109 75

05 364 157 212 218 150 109 75

Territory


Benefit



Visit, 30 Visits

$25,000 Death

Benefit


01 $30 $64 $6 $1

03 35 75 6 1

04 21 46 6 1

05 34 73 6 1




01 $162 $516 03 65 460 04 92 448 05 75 574






Class RBI PD PIP


Benefit


Death Benefit


1A 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

1B 1.100 1.100 1.100 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

3 1.500 1.500 1.500 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000



1A 1.000 1.0001B 1.000 1.000 3 1.150 1.150

MODEL YEAR FACTORS


2013 1.10 1.10 2012 1.05 1.05 2011 1.00 1.00 2010 0.95 0.94 2009 0.90 0.88 2008 0.86 0.83 2007 0.81 0.76 2006 0.77 0.70 2005 0.74 0.66 2004 0.70 0.62 2003 0.66 0.58 2002 0.63 0.55 2001 0.60 0.51

1990—2000 0.57 0.48 1989 and Prior 1.00 1.00














1 0.75 0.85 2 1.00 1.00 3 1.21 1.09 4 1.37 1.16 5 1.54 1.22 6 1.71 1.28 7 1.87 1.35 8 2.04 1.42 10 2.23 1.49 11 2.44 1.56 12 2.68 1.64 13 2.91 1.72 14 3.18 1.82 15 3.51 1.94 16 3.82 2.05 17 4.12 2.16 18 4.41 2.27 19 4.77 2.40 20 5.19 2.53 21 5.67 2.66 22 6.27 2.82 23 6.93 2.99 24 7.90 3.23 25 9.17 3.54 26 10.43 3.85 27 * **





1 0.32 0.452 0.32 0.453 0.32 0.454 0.32 0.455 0.39 0.566 0.59 0.667 0.75 0.758 0.98 0.8510 1.22 0.9411 1.46 1.0412 1.74 1.1413 2.10 1.2614 2.51 1.4115 2.96 1.5816 3.47 1.7617 4.04 1.9118 4.69 2.0619 5.44 2.2520 6.34 2.4821 7.91 2.89





C–1




C–2


NOTES


C–3 June 29, 2012 Draft

































NOTE 1: For private passenger autos, refer to the Private Passenger Chapter



Table 1

RBI Limits



Tractors

$50,000/100,000 1.680 1.680 100,000/300,000 2.200 2.200 300,000/300,000* 3.000 3.000 300,000/600,000* 3.030 3.030



June 29, 2012 Draft C–4


Table 1

RBI Limits


Truck-Tractors

Private Passenger

Types All Other

Risks

$50,000/100,000 1.680 1.680 1.680 100,000/300,000 2.200 2.200 2.200 300,000/300,000* 3.000 3.000 3.000 300,000/600,000* 3.030 3.030 3.030


Table 1A

PD Limits



Tractors

$15,000 1.06 1.06 20,000 1.10 1.10 30,000 1.14 1.14 50,000* 1.17 1.17

Table 1A

PD Limits


Truck-Tractors

Private Passenger

Types All Other

Risks

$15,000 1.06 1.05 1.06 20,000 1.10 1.07 1.10 30,000 1.14 1.09 1.14 50,000* 1.17 1.11 1.17








1. New Business



2. Renewal Business














NOTES:




1. Accidents



b. All Others

















2. Convictions


Penalty Points for

Each Conviction








Penalty Points for

Each Conviction









Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-








Penalty Points

for First

Convic-tion

Penalty Points

for Each Sub-

sequent Convic-



b. All Others























1 1.05 2 1.10 3 1.15 4 1.50 5 1.75 6 2.00 7 2.50

H. Multiauto Risks



2. All Others




A. New Business

1. All applications for risks eligible for experience modification under this Plan must indicate under Remarks Section that such modifications shall be applied to the risk.

2. Submissions

HJUP servicing carriers shall promulgate and submit a copy of the completed experience modifi-cation form to the HJUP Bureau for any eligible risk.

3. Completed experience modification form(s) must be submitted to the HJUP Bureau within 120 days of the inception of a policy(s). If experience is not obtainable within this time period, the risk shall not be experience rated until the inception date of the renewal on the basis of experience applicable to the renewal period.

B. Renewal Business

1. Definition






2. Submissions

The servicing carrier shall complete and submit to the HJUP Bureau on renewal date or within 15 days thereafter, a rating application form for each eligible renewal risk rated. In the case of auto insurance where required by ordinance or govern-mental authority, the application shall be submitted at least ten days prior to the date by which evi-dence of insurance must be filed with administra-tive authorities.



Experience modification promulgated for any risk shall be available to any other servicing carrier upon request with the servicing carrier of that risk. Experience may not be obtained from the HJUP Bureau.



Each promulgated modification shall be established for a term of one year and to be applicable to the Manual rates and minimum premiums for the insurance included in the rating of the risk.


In the event a risk involves two or more policies with different effective dates, with the same servic-ing carrier, the promulgated rate shall apply to such policies for the effective period of the modification and throughout the full term of such policies expir-ing not more than three months after the estab-lished expiration date of the modification.

F. Eligibility

1. The experience modification determined hereunder shall apply at policy inception or renewal. No midterm adjustment in the experience modification is permitted.


Any risk meeting the following qualifications for residual bodily injury and property damage liability exposures shall be rated under this Plan:








Experience period shall not be less than one year nor more than three years, commencing four years and terminating one year prior to the date for which the experience modification is to be established. Completed policy periods only shall be used. If part of the earliest policy period falls outside of the normal three-year maximum period, such earliest policy period shall be retained in full, provided the entire experience period does not then exceed 3½ years, and shall be rejected in full if its retention increases the experience period beyond 3½ years.

H. Experience Used

The experience modification shall be determined from experience incurred by all companies licensed in this state and all states, for the forms of automobile liability insurance to be rated.

If the risk has been self-insured, the experience must be submitted to the servicing carrier in the form prescribed by the servicing carrier and signed by the insured. Experience in such form shall be given credence in accordance with its apparent credibility.


1. For the determination of experience modifications, the term “basic limits” shall mean the following limits of liability:




The basic limits premium shall be the collected premium for the experience period converted to a basic limits basis and adjusted to eliminate the effect of any experience or other rate modification applied and any discount allowed for a policy term of more than one year.


The losses to be included in the rating shall be the total of the following:










(3) LDF is the appropriate basic limit loss de-velopment factor applicable to expected losses (Premium x AELR). Before deter-mination of the actual loss ratio, the ex-pected losses shall first be adjusted by the following loss development factors:

Commercial Autos

Latest Policy Year










5. Credibility


a. If the actual loss ratio is less than the adjusted expected loss ratio, the experience modifica-tion is a credit that shall be determined as fol-lows:




Adjusted

b. If the actual loss ratio is greater than the adjusted expected loss ratio, the experience modification is a debit that shall be determined as follows:




Actual









1–914 0.01 0.369 6700 33024–34488 0.36 0.449 12650 143391–150526 0.71 0.547 33950 915–1538 0.02 0.371 6800 34489–36000 0.37 0.452 12900 150527–158182 0.72 0.549 35300

1539–2176 0.03 0.373 6900 36001–37561 0.38 0.455 13200 158183–166415 0.73 0.552 36750 2177–2827 0.04 0.375 7050 37562–39174 0.39 0.458 13500 166416–175294 0.74 0.554 38300 2828–3492 0.05 0.377 7150 39175–40840 0.40 0.461 13800 175295–184898 0.75 0.555 40000 3493–4171 0.06 0.379 7250 40841–42564 0.41 0.464 14150 184899–195319 0.76 0.557 41800 4172–4865 0.07 0.381 7350 42565–44348 0.42 0.466 14500 195320–206667 0.77 0.559 43750 4866–5574 0.08 0.383 7500 44349–46195 0.43 0.469 14800 206668–219070 0.78 0.561 45850 5575–6298 0.09 0.385 7600 46196–48108 0.44 0.472 15200 219071–232683 0.79 0.562 48200 6299–7039 0.10 0.387 7750 48109–50092 0.45 0.475 15550 232684–247692 0.80 0.564 50750 7040–7797 0.11 0.389 7850 50093–52150 0.46 0.478 15950 247693–264324 0.81 0.565 53550 7798–8571 0.12 0.391 8000 52151–54286 0.47 0.481 16350 264325–282857 0.82 0.566 56650 8572–9364 0.13 0.393 8150 54287–56505 0.48 0.484 16750 282858–303636 0.83 0.568 60100

9365–10175 0.14 0.395 8250 56506–58812 0.49 0.487 17200 303637–327097 0.84 0.569 64000 10176–11006 0.15 0.397 8400 58813–61212 0.50 0.490 17650 327098–353333 0.85 0.570 68350 11007–11856 0.16 0.399 8550 61213–63711 0.51 0.493 18100 353334–380000 0.86 0.571 73000 11857–12727 0.17 0.402 8700 63712–66316 0.52 0.496 18600 380001–406667 0.87 0.571 77500 12728–13620 0.18 0.404 8850 66317–69032 0.53 0.499 19100 406668–433333 0.88 0.572 81900 13621–14534 0.19 0.406 9050 69033–71868 0.54 0.502 19650 433334–460000 0.89 0.572 86200 14535–15472 0.20 0.408 9200 71869–74831 0.55 0.505 20200 460001–486667 0.90 0.573 90350 15473–16433 0.21 0.411 9350 74832–77931 0.56 0.508 20800 486668–513333 0.91 0.573 94450 16434–17419 0.22 0.413 9550 77932–81176 0.57 0.511 21400 513334–540000 0.92 0.573 98450 17420–18431 0.23 0.416 9700 81177–84578 0.58 0.514 22000 540001–566667 0.93 0.574 102400 18432–19470 0.24 0.418 9900 84579–88148 0.59 0.517 22700 566668–593333 0.94 0.574 106200 19471–20537 0.25 0.420 10100 88149–91899 0.60 0.519 23350 593334–620000 0.95 0.574 109950 20538–21633 0.26 0.423 10300 91900–95844 0.61 0.522 24100 620001–646667 0.96 0.574 113650 21634–22759 0.27 0.425 10500 95845–100000 0.62 0.525 24850 646668–673333 0.97 0.574 117200 22760–23916 0.28 0.428 10700 100001–104384 0.63 0.528 25650 673334–700000 0.98 0.574 120750 23917–25106 0.29 0.431 10900 104385–109014 0.64 0.530 26500 700001–726667 0.99 0.574 124200 25107–26331 0.30 0.433 11150 109015–113913 0.65 0.533 27400 726668 and Over 1.00 0.575 127550 26332–27591 0.31 0.436 11350 113914–119104 0.66 0.535 28350 27592–28889 0.32 0.438 11600 119105–124615 0.67 0.538 29350 28890–30226 0.33 0.441 11850 124616–130476 0.68 0.540 30400 30227–31603 0.34 0.444 12100 130477–136721 0.69 0.543 31500 31604–33023 0.35 0.447 12350 136722–143390 0.70 0.545 32700








EXCEPTIONS:






2. Coverage Options





3. Rates

The rates set forth on the rate sheets are for $20,000/40,000 uninsured motorist coverage.

4. Limits

Increased limits for uninsured motorist coverage will be afforded by applying the increased limit factor for residual bodily injury liability to the base rate for uninsured motorist coverage.



EXCEPTIONS:






2. Coverage Options





3. Rates

The rates set forth on the rate sheets are for $20,000/$40,000 underinsured motorists coverage.

4. Limits



Rule 56. AGE GROUP


Age Groups

Definition


















1,000 .80

B. Physical Damage


1. Comprehensive

Deductible

FactorsPrivate

Passenger Types All

Other Full 1.508 1.438 $50 1.160 1.150 100 1.000 1.000 250 0.900 0.900 500 0.775 0.775

1,000 0.581 0.581 1,500 0.481 0.481 2,000 0.419 0.419

2. Collision

Deductible

FactorsPrivate


1,000 0.780 0.780 1,500 0.640 0.663 2,000 0.538 0.538


C–12


NOTES





























2. Trailers






















C–14






2. Size Class


b. Medium Trucks







(2) Extra Heavy Truck-Tractors—Truck- trac-tors that have a GCW over 45,000 pounds.










4. Radius Class














Service Factor CD

1.00 014– –

1.00 014– –

1.00 015– –

1.00 015– –

Retail Factor CD

1.60 024– –

1.60 024– –

1.60 025– –

1.60 025– –


1.40 034– –

1.40 034– –

1.40 035– –

1.40 035– –


GVW)

Service Factor CD

1.05 214– –

1.05 214– –

1.05 215– –

1.05 215– –

Retail Factor CD

1.65 224– –

1.65 224– –

1.65 225– –

1.65 225– –


1.90 234– –

1.90 234– –

1.90 235– –

1.90 235– –


GVW)

Service Factor CD

1.40 314– –

1.40 314– –

1.40 315– –

1.40 315– –

Retail Factor CD

2.35 324– –

2.35 324– –

2.35 325– –

2.35 325– –


2.50 334– –

2.50 334– –

2.50 335– –

2.50 335– –


lbs. GVW) Factor CD

2.75 404– –

2.75 404– –

2.75 405– –

2.75 405– –


lbs. GCW)

Service Factor CD

1.45 344– –

1.45 344– –

1.45 345– –

1.45 345– –

Retail Factor CD

2.40 354– –

2.40 354– –

2.40 355– –

2.40 355– –


2.55 364– –

2.55 364– –

2.55 365– –

2.55 365– –



2.80 504– –

2.80 504– –

2.80 505– –

2.80 505– –

Trailer Types


.25 674– –

.25 674– –

.25 675– –

.25 675– –

Trailers Factor CD

.25 684– –

.25 684– –

.25 685– –

.25 685– –


Factor CD

.00 694– –

.25 694– –

.00 695– –

.25 695– –




C–16







Service Factor CD

1.00 011– –

1.00 011– –

1.00 012– –

1.00 012– –

Retail Factor CD

1.60 021– –

1.60 021– –

1.60 022– –

1.60 022 –


1.40 031– –

1.40 031– –

1.40 032– –

1.40 032– –


GVW)

Service Factor CD

1.05 211– –

1.05 211– –

1.05 212– –

1.05 212– –

Retail Factor CD

1.65 221– –

1.65 221– –

1.65 222– –

1.65 222– –


1.90 231– –

1.90 231– –

1.90 232– –

1.90 232– –


GVW)

Service Factor CD

1.40 311– –

1.40 311– –

1.40 312– –

1.40 312– –

Retail Factor CD

2.35 321– –

2.35 321– –

2.35 322– –

2.35 322– –


2.50 331– –

2.50 331– –

2.50 332– –

2.50 332– –


lbs. GVW) Factor CD

2.75 401 – –

2.75 401 – –

2.75 402– –

2.75 402– –


lbs. GCW)

Service Factor CD

1.45 341– –

1.45 341– –

1.45 342– –

1.45 342– –

Retail Factor CD

2.40 351– –

2.40 351– –

2.40 352– –

2.40 352– –


2.55 361– –

2.55 361– –

2.55 362– –

2.55 362– –



2.80 501– –

2.80 501– –

2.80 502– –

2.80 502– –

Trailer Types


.25 671– –

.25 671– –

.25 672– –

.25 672– –

Trailers Factor CD

.25 681– –

.25 681– –

.25 682– –

.25 682– –


Factor CD

.00 691 –

.25 691 –

.00 692– –

.25 692– –










with Primary Factor

















4. Transporters of Explosives—A policy that covers an auto used for transporting explosives shall not be endorsed to exclude coverage for the explosion hazard. Develop the premium by multiplying the trucks, tractors, and trailers residual bodily injury and property damage liability and personal injury protection coverage base premiums by 3.00.




Rule 74. TRUCKERS

A. Eligibility







C–18



2. All Others










Cover-age

Base Rate (Rate


Physical Damage

Deductible Factor

(Rule 57)


(Rule 73)


(Rule 73)


(Rule 52)

PIP Deductible

Factor (Rule 57)


Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB. NA

X( +/- ) X NA X X

=

PD LIAB. NA

X( +/- )X NA X X

=

PIP NA

X( +/- ) NA X X X

=

UM NA

NA NA X NA X NA NA

=

UIM NA

NA NA X NA X NA NA

=


NA

=


NA

=

TOTAL =




C–20


NOTES














1. Nonfleet


2. Fleet








NOTES





















Auto Type Factor








Auto Type Factor
















2. Use Class



















EXCEPTIONS:









































Radius Local




Factor CD

1.00 4189

2.70 4189

1.15 4199

3.10 4199

Limousine Factor CD

0.40 4289

1.35 4289

.45 4299

1.55 4299



Factor CD

1.20 618

.50 618

1.40 619

.55 619


1.50 628

.50 628

1.75 629

.55 629


1.00 638

1.00 638

1.15 639

1.15 639

Other Buses

Urban Bus Factor CD

.80 518

1.45 518

.90 519

1.65 519


.70 528

1.55 528

.80 529

1.80 529


1.05 538

.95 538

1.20 539

1.10 539


1.00 548

1.55 548

1.15 549

1.80 549


.75 558

.90 558

.85 559

1.05 559


.45 568

1.40 568

.50 569

1.60 569


Factor CD

.55 648

1.20 648

.65 649

1.40 649


.50 658

1.20 658

.60 659

1.40 659


.55 588

1.25 588

.65 589

1.45 589


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor

CD 1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124







Radius Local




Factor CD

1.00 4159

2.70 4159

1.15 4169

3.10 4169

Limousine Factor CD

0.40 4259

1.35 4259

.45 4269

1.55 4269



Factor CD

1.20 615

.50 615

1.40 616

.55 616


1.50 625

.50 625

1.75 626

.55 626


1.00 635

1.00 635

1.15 636

1.15 636

Other Buses

Urban Bus Factor CD

.80 515

1.45 515

.90 516

1.65 516


.70 525

1.55 525

.80 526

1.80 526


1.05 535

.95 535

1.20 536

1.10 536


1.00 545

1.55 545

1.15 546

1.80 546


.75 555

.90 555

.85 556

1.05 556


.45 565

1.40 565

.50 566

1.60 566


Factor CD

.55 645

1.20 645

.65 646

1.40 646


.50 655

1.20 655

.60 656

1.40 656


.55 585

1.25 585

.65 586

1.45 586


Van Pools

Seating Capacity


Employer Furnished

Factor CD

1.00 4111

.50 4111

1.05 4112

.45 4112

1.10 4113

.40 4113

1.50 4114

.35 4114

All Other Factor CD

1.10 4121

.65 4121

1.15 4122

.55 4122

1.35 4123

.50 4123

1.75 4124

.45 4124











Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses


Not Secondary

Rated


Class Designator

Seating Capacity

School Buses and

Church Buses

Other Buses


Not Secondary

Rated




Extra-Heavy Over 60







Coverage

Base Rate (Rate

schedules And Rule

55)

Physical Damage


Fleet Factor

(Rule 92)


(Rule 93)


(Rule 93)


(Rule 52)

PIP Deductible

Factor (Rule 57)

Experience Rating



Certified Risk

Factor(Rule 3)

Whole Dollar

Premium

RBI LIAB.

NA X

X ( +/- ) X

NA X X

=

PD LIAB.

NA X

X (

+/- ) X

NA X X

=

PIP

NA X

X (

+/- ) NA X

X X

=

UM

NA NA NA NA X

NA NA

NA =

UIM

NA NA NA NA X

NA NA

NA =

COMP. X

X

X ( +/- ) NA

NA X NA

=

COLL. X

X NA X ( +/- ) NA

NA X NA

=

TOTAL =




NOTES






















.40 .60



1. Eligibility











1. Eligibility














6. Nonowned Autos




SPECIAL TYPES







B. Eligibility







2. Trailer Types


3. All Other Types






.40 .45

2. All Other Types



.35 .35


A. Eligibility




1. Limousines









1. Limousines





.50 .45







B. Eligibility





SPECIAL TYPES







2. Trailer Types


3. All Other Types








3. All Other Types



.90 .90


A. General






















.509 1.389


SPECIAL TYPES




RBI and PD

Liability and PIP

Physical Damage





Physical Damage

2.00 3.00





C. Endorsements




A. Eligibility



B. Definitions

1. Mobile Equipment













(a) snow removal;






2. Farm Equipment







Refer to Rule 2.


SPECIAL TYPES






Mobile Equipment

Farm Equipment



Refer to Rule 2

E. Endorsements




A. Motor Homes












A. Antique Autos














SPECIAL TYPES



CR–1




CR–2


NOTES


CR–3





Territory





Territory Residual


01 $547 $259 $293 03 478 181 285 04 476 181 290 05 497 209 323

VAN POOLS

Territory Residual


01 $414 $281 $207 03 267 168 177 04 243 154 170 05 260 165 243


Territory Residual


01 $1,190 $489 $881 03 772 294 755 04 698 267 724 05 750 286 1039


Territory Residual



CR–4




OTHER BUSES

Territory Residual


01 $1,137 $553 $823 03 737 331 705 04 668 303 675 05 718 324 970

UNINSURED MOTORISTS

Rate Per Auto

$20,000/40,000 Limits

Stacked Nonstacked


$62 $95 $37 $31 $47 $19

117 220 88 58 110 44


Rate Per Auto

$20,000/40,000 Limits

Stacked Nonstacked


$62 $95 $37 $31 $95 $19

117 220 88 58 220 44

C(PhD)–1




C(PhD)–2


NOTES


C(PhD)–3






Cost New Group 01 03 04 05 01 03 04 05

$0-6,500 1 $50 $32 $44 $27 $320 $326 $313 $389 2,3 45 28 39 24 288 294 282 350

4,5 40 25 35 22 256 261 250 311 6 32 20 28 18 208 212 203 253

6,501-8,000 1 66 42 58 36 376 384 368 458 2,3 59 38 52 32 338 346 331 412

4,5 53 34 46 29 301 307 294 366 6 43 27 38 23 244 250 239 298

8,001-9,000 1 80 51 70 44 410 419 401 499

2,3 72 46 63 39 369 377 361 449

4,5 64 41 56 35 328 335 321 399

6 52 33 46 28 266 272 261 324

9,001-10,000 1 90 58 79 49 436 445 427 531

2,3 81 52 72 44 393 401 384 478

4,5 72 46 64 39 349 356 342 425

6 59 37 52 32 284 290 277 345

10,001-11,250 1 102 65 89 55 459 468 449 559

2,3 91 58 80 50 413 422 404 503

4,5 81 52 71 44 367 375 359 447

6 66 42 58 36 298 305 292 363

11,251-12,500 1 113 72 99 62 481 492 471 586

2,3 102 65 89 55 433 442 424 528

4,5 90 57 79 49 385 393 377 469

6 73 47 64 40 313 319 306 381

12,501-13,750 1 123 79 108 67 508 518 497 618

2,3 111 71 98 61 457 467 447 556

4,5 99 63 87 54 406 415 397 495

6 80 51 70 44 330 337 323 402

13,751-15,000 1 135 86 118 73 534 545 523 650

2,3 121 77 106 66 481 491 470 585

4,5 108 69 95 59 427 436 418 520

6 88 56 77 48 347 354 340 423

15,001-16,250 1 147 94 129 80 560 572 548 682

2,3 132 84 116 72 504 515 493 614

4,5 118 75 103 64 448 458 439 546

6 96 61 84 52 364 372 356 444

16,251-17,500 1 161 102 142 88 587 599 574 714

2,3 145 92 127 79 528 539 517 643

4,5 129 82 113 70 469 479 459 572

6 105 67 92 57 381 389 373 464

17,501-18,750 1 177 113 155 96 617 630 604 751

2,3 159 101 140 87 555 567 543 676

4,5 142 90 124 77 493 504 483 601

6 115 73 101 63 401 409 392 488


C(PhD)–4






Cost New Group 01 03 04 05 01 03 04 05

18,751-20,000 1 $192 $122 $169 $105 $647 $660 $633 $788

2,3 173 110 152 94 582 594 570 709 4,5 154 98 135 84 517 528 506 630 6 125 79 110 68 420 429 411 512

20,001-22,000 1 210 134 184 114 684 699 670 834

2,3 189 120 166 103 616 629 603 750 4,5 168 107 148 92 547 559 536 667 6 136 87 120 74 445 454 435 542

22,001-24,000 1 232 147 204 126 729 745 714 889

2,3 208 133 183 114 656 670 643 800 4,5 185 118 163 101 584 596 571 711 6 151 96 132 82 474 484 464 578

24,001-26,000 1 252 160 222 138 771 787 754 939

2,3 227 144 199 124 694 708 679 845 4,5 202 128 177 110 617 630 604 751 6 164 104 144 89 501 512 490 610

26,001-28,000 1 272 173 239 148 812 829 795 989

2,3 245 156 215 133 731 746 715 890 4,5 218 138 191 119 650 664 636 791 6 177 112 155 96 528 539 517 643

28,001-30,000 1 291 185 256 159 854 872 835 1,040

2,3 262 167 230 143 768 785 752 936

4,5 233 148 205 127 683 697 668 832

6 189 120 166 103 555 567 543 676

30,001-33,000 1 315 200 277 172 902 922 883 1,099

2,3 283 180 249 155 812 829 795 989

4,5 252 160 221 137 722 737 707 879

6 205 130 180 112 587 599 574 714

33,001-36,000 1 343 218 301 187 951 972 931 1,159

2,3 308 196 271 168 856 874 838 1,043

4,5 274 174 241 149 761 777 745 927

6 223 142 196 121 618 631 605 753

36,001-40,000 1 374 238 329 204 1,000 1,021 979 1,218

2,3 337 214 296 184 900 919 881 1,096

4,5 299 191 263 163 800 817 783 975

6 243 155 214 133 650 664 636 792

40,001-45,000 1 414 263 364 226 1,060 1,083 1,038 1,292

2,3 372 237 327 203 954 975 934 1,162

4,5 331 211 291 181 848 866 830 1,033

6 269 171 236 147 689 704 675 840

45,001-50,000 1 457 291 402 249 1,124 1,148 1,100 1,369

2,3 412 262 362 225 1,012 1,033 990 1,232

4,5 366 233 322 200 899 919 880 1,096

6 297 189 261 162 731 746 715 890


C(PhD)–5






Cost New Group 01 03 04 05 01 03 04 05

50,001-60,000 1 $521 $332 $458 $284 $1,214 $1,240 $1,189 $1,479

2,3 469 299 412 256 1,093 1,116 1,070 1,331

4,5 417 265 367 228 972 992 951 1,183

6 339 216 298 185 789 806 773 962

60,001-70,000 1 605 385 532 330 1,331 1,359 1,303 1,621

2,3 545 347 479 297 1,198 1,223 1,172 1,459

4,5 484 308 425 264 1,065 1,087 1,042 1,297

6 393 250 346 215 865 884 847 1,054

70,001-80,000 1 688 438 605 375 1,448 1,478 1,417 1,763

2,3 620 394 544 338 1,303 1,331 1,275 1,587

4,5 551 350 484 300 1,158 1,183 1,133 1,411

6 447 285 393 244 941 961 921 1,146





C(PhD)–6






Original Cost New


$0-3,000 1 $14 $75

2,3 13 68

4,5 11 60

6 9 49

3,001-4,500 1 22 120

2,3 20 108

4,5 18 96

6 14 78

4,501-6,000 1 28 150

2,3 25 135

4,5 22 120

6 18 98

6,001-8,000 1 38 207

2,3 34 186

4,5 30 166

6 25 135

8,001-10,000 1 48 263

2,3 43 236

4,5 38 210

6 31 171

10,001-15,000 1 64 345

2,3 58 311

4,5 51 276

6 42 224

Over 15,000 1 92 435

2,3 83 392

4,5 74 348

6 60 283


C(PhD)–7






Original Cost New


$0-4,500 1 $13 $57

2,3 12 51

4,5 11 46

6 9 37

4,501-6,000 1 22 104

2,3 20 94

4,5 18 83

6 14 68

6,001-8,000 1 30 142

2,3 27 128

4,5 24 114

6 19 93

8,001-10000 1 37 182

2,3 34 164

4,5 30 146

6 24 118

10,001-15,000 1 52 244

2,3 47 220

4,5 41 196

6 34 159

15,001-20,000 1 66 286

2,3 59 257

4,5 53 229

6 43 186

Over 20,000 1 88 338

2,3 79 304

4,5 70 270

6 57 220


C(PhD)–8





All Territories


Original Cost New


$0-8,000 1 $16 $77

2,3 14 69

4,5 13 61

6 10 50

8,001-10,000 1 25 128

2,3 22 115

4,5 20 102

6 16 83

10,001-15,000 1 35 170

2,3 32 153

4,5 28 136

6 23 111

15,001-20,000 1 49 206

2,3 44 185

4,5 39 165

6 32 134

20,001-25,000 1 63 228

2,3 57 205

4,5 50 182

6 41 148

25,001-40,000 1 91 275

2,3 82 248

4,5 73 220

6 59 179

40,001-65,000 1 147 384

2,3 132 346

4,5 118 307

6 96 250

Over 65,000 1 217 481

2,3 195 433

4,5 174 385

6 141 313


C(PhD)–9






Original Cost New


$0-8,000 1 $13 $65

2,3 12 59

4,5 10 52

6 8 42

8,001-10,000 1 20 108

2,3 18 97

4,5 16 86

6 13 70

10,001-15,000 1 28 142

2,3 25 128

4,5 22 114

6 18 92

15,001-20,000 1 40 172

2,3 36 155

4,5 32 137

6 26 112

20,001-25,000 1 51 190

2,3 46 171

4,5 41 152

6 33 124

25,001-40,000 1 74 231

2,3 67 208

4,5 59 185

6 48 150

40,001-65,000 1 119 322

2,3 107 290

4,5 95 258

6 77 210

Over 65,000 1 176 403

2,3 159 363

4,5 141 323

6 114 262


C(PhD)–10




All Territories


Original Cost New


$0-1000 1 $18 $110

2,3 16 99

4,5 15 88

6 12 71

1,001-2,000 1 37 158

2,3 33 142

4,5 29 126

6 24 103

2,001-3,000 1 61 268

2,3 55 241

4,5 49 214

6 40 174

3,001-4,500 1 85 426

2,3 77 384

4,5 68 341

6 56 277

4,501-6,000 1 122 632

2,3 110 569

4,5 98 506

6 79 411

6,001-8,000 1 165 871

2,3 148 784

4,5 132 697

6 107 566

8,001-10,000 1 214 1,136 2,3 192 1,023 4,5 171 909

6 139 739

10,001-20,000 1 348 1,672 2,3 313 1,505 4,5 278 1,338

6 226 1,087

20,001-40,000 1 702 2,463

2,3 631 2,217

4,5 561 1,970

6 456 1,601

Over 40,000 1 1,165 3,409 2,3 1,049 3,068

4,5 932 2,727 6 757 2,216


C(PhD)–11




Original Cost New


$0-3,000 1 $28 $96 2,3 25 86

4,5 22 76 6 18 62

3,001-4,500 1 $44 $153 2,3 40 138

4,5 35 122 6 29 99

4,501-6,000 1 $56 $191 2,3 50 172

4,5 45 153 6 36 124

6,001-8,000 1 $76 $264 2,3 68 237 4,5 61 211

6 49 171

8,001-10,000 1 $96 $335 2,3 86 301 4,5 77 268

6 62 217 10,001-15,000 1 $128 $440

2,3 115 396 4,5 102 352

6 83 286

Over $15,000 1 $184 $554 2,3 166 499 4,5 147 443

6 120 360


C(PhD)–12




Original Cost New


$0-3,000 1 $55 $94 2,3 50 85

4,5 44 75 6 36 61

3,001-4,500 1 $87 $151 2,3 78 136

4,5 70 121 6 57 98

4,501-6,000 1 $110 $188 2,3 99 170

4,5 88 151 6 72 122

6,001-8,000 1 $150 $260 2,3 135 234 4,5 120 208

6 97 169

8,001-10,000 1 $188 $330 2,3 169 297 4,5 151 264

6 122 214 10,001-15,000 1 $252 $433

2,3 227 390 4,5 202 347

6 164 282

Over $15,000 1 $362 $546 2,3 326 492 4,5 290 437

6 235 355

Exhibit B

Sheet 1


(1) (2) (3) (4) (5)



1 544.41 $293 $199 $188 $298 $202 $192 $293 $199 $188 $298 $202 $1923 155.89 189 119 161 192 121 164 189 119 161 192 121 1644 67.93 172 109 154 175 111 157 172 109 154 175 111 1575 306.24 184 117 221 187 119 225 184 117 221 187 119 225

Total 1,074.47 $239.19


Proposed factors in columns (3) and (5) = Column (2) or (4) x Off-Balance Factors based on current HJUP book of business.

# Col (6) off-balanced for R¹ (0.000), R² (0.000) and R³ (0.000) ISO Class Plan changes.


Nonfleet Fleet

Exhibit B

Sheet 2



(1) (2) (3)



1 59.10 $568 $264 $310 $547 $259 $293 $03 20.61 497 184 301 478 181 285 04 1.72 494 184 306 476 181 290 05 33.63 516 213 341 497 209 323 0

Total 115.06 $0.00

Relativity BI 0.96272PD 0.98125Combined 0.94633


# Col (6) off-balanced for R³ (0.000) ISO Class Plan change

(6)

Exhibit B

Sheet 3

Hawaii (52)


Rate Comparison


(1) (2) (3)



1 78.17 $1,132 $469 $845 $1,190 $489 $881 $03 9.39 734 282 724 772 294 755 04 8.89 664 256 694 698 267 724 05 6.17 713 274 996 750 286 1039 0

Total 102.62#DIV/0!




(6)

Exhibit B

Sheet 4



(1) (2) (3)



1 26.50 $382 $297 $369 $265 $206 $271 $03 1.17 248 178 316 172 124 232 04 5.05 224 163 303 156 113 223 05 8.48 241 174 435 167 121 320 0

Total 41.20#DIV/0!




(6)

Hawaii (52)

Exhibit B

Hawaii (52) Sheet 5


Other Buses

(1) (2) (3)



1 1.55 $1,909 $446 $1,843 $1,137 $553 $823 $03 0.00 1238 267 1579 737 331 705 04 0.00 1122 244 1513 668 303 675 05 0.00 1205 261 2173 718 324 970 0

Total 1.55#DIV/0!




(6)

Exhibit B

Hawaii (52) Sheet 6


Van Pools

(1) (2) (3)



1 0.00 $298 $202 $192 $414 $281 $207 $03 0.00 192 121 164 267 168 177 04 0.00 175 111 157 243 154 170 05 0.00 187 119 225 260 165 243 0

Total 0.00 #DIV/0!Relativity: BI 1.39

PD 1.39PIP 1.08


(6)

Exhibit B

Hawaii (52) Sheet 7



(2) (3)



1 $75 $425 $66 $3763 47 434 42 3844 66 416 58 3685 41 517 36 458

0Total



(1)

50.729.69

JUP eff. 01-01-1999

017.53

Exposures

77.94


PPT - Phys. Dam.Calendar Year 2010

Exhibit B

Hawaii (52) Sheet 8



(1)



$4,501-$6,000 $28 $165 $28 $150$4,501-$6,000 22 115 22 104

$10,001-$15,000 34 187 35 170$10,001-$15,000 28 156 28 142

$2,001-$3,000 60 295 61 268




(3)(2)

TTT Type

LightMediumHeavy

Extra HeavyTrailers


Exhibit B

Hawaii (52) Sheet 9



(1) (3) (4)Proposed



126.47 $28 $150 1.39 1.50 $56 $1910.00 28 150 1.39 1.50 56 19128.00 28 150 0.61 0.64 110 188353.10 28 150 0.61 0.64 110 188

507.57


1.4372881 0.84954

Proposed factors in column (4) = Column (2) x Column (3) x Off-Balance Factors based on current HJUP book of business.

(2)Proposed Light Truck

$4,501-$6,000 OCN, Age 1Physical Damage Rate




Exhibit B

Sheet 1


(1) (2) (3) (4) (5)



1 544.41 $293 $199 $188 $298 $202 $192 $293 $199 $188 $298 $202 $1923 155.89 189 119 161 192 121 164 189 119 161 192 121 1644 67.93 172 109 154 175 111 157 172 109 154 175 111 1575 306.24 184 117 221 187 119 225 184 117 221 187 119 225

Total 1,074.47 $239.19Off-Balance Factors: BI 1.01704

PD 1.01723PIP 1.01915

Proposed rates in columns (3) and (5) = Column (2) or (4) x Off-Balance Factors based on HJUP in-force policies effective 3/31/2011.

(5) (6) (7) (8)Original Re-Rated

Off-Balance Calcualtion


Nonfleet Fleet


Original Re-RatedIn-Force In-Force Off-Balance



Notes:(6) = HJUP Trucks, Tractors and Trailers In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Trucks, Tractors and Trailers data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Exhibit B

Sheet 2



(1) (2) (3)



1 59.10 $568 $264 $310 $547 $259 $293 $03 20.61 497 184 301 478 181 285 04 1.72 494 184 306 476 181 290 05 33.63 516 213 341 497 209 323 0

Total 115.06 $0.00Off-Balance Factors: BI 0.96272

PD 0.98125Combined 0.94633


Private Passenger TypesOff-Balance Calcualtion


(6)

In Force In Force Off BalanceCoverage Premium Premium Factor


Notes:(6) = HJUP Private Passenger Types In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Private Passenger Types data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Exhibit B

Sheet 3

Hawaii (52)


Rate Comparison


(1) (2) (3)



1 78.17 $1,132 $469 $845 $1,190 $489 $881 $03 9.39 734 282 724 772 294 755 04 8.89 664 256 694 698 267 724 05 6.17 713 274 996 750 286 1039 0

Total 102.62



Taxicabs and LimousinesOff-Balance Calcualtion


(6)



Notes:(6) = HJUP Taxicabs and Limousines In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Taxicabs and Limousines data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Exhibit B

Sheet 4



(1) (2) (3)



1 26.50 $382 $297 $369 $265 $206 $271 $03 1.17 248 178 316 172 124 232 04 5.05 224 163 303 156 113 223 05 8.48 241 174 435 167 121 320 0

Total 41.20#DIV/0!



School and Church BusesOff-Balance Calcualtion


(6)

Hawaii (52)



Notes:(6) = HJUP School and Church Buses In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force School and Church Buses data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Exhibit B

Hawaii (52) Sheet 5


Other Buses

(1) (2) (3)



1 1.55 $1,909 $446 $1,843 $1,137 $553 $823 $03 0.00 1238 267 1579 737 331 705 04 0.00 1122 244 1513 668 303 675 05 0.00 1205 261 2173 718 324 970 0

Total 1.55



Other BusesOff-Balance Calcualtion


(6)



Notes:(6) = HJUP Other Buses In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Other Buses data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)

Hawaii (52) Sheet 6


Van Pools

(1) (2) (3)



1 0.00 $298 $202 $192 $414 $281 $207 $03 0.00 192 121 164 267 168 177 04 0.00 175 111 157 243 154 170 05 0.00 187 119 225 260 165 243 0

Total 0.00 #DIV/0!

Relativity: BI 1.39PD 1.39PIP 1.08


(6)

Exhibit B

Hawaii (52) Sheet 7



(2) (3)



1 $75 $425 $66 $3763 47 434 42 3844 66 416 58 3685 41 517 36 458

0Total



Private Passenger Types - Physical DamageOff-Balance Calcualtion



(1)

50.729.69

JUP eff. 01-01-1999

017.53

Exposures

77.94


PPT - Phys. Dam.Calendar Year 2010

COMP 9,685 10,950 0.88447# Col (6) off-balanced for R¹ (0.000), R² (0.000) and R³ (0.000) ISO Class Plan COLL 38,278 43,256 0.88492

Notes:(6) = HJUP Private Passenger Types - Physical Damage In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Private Passenger Types - Physical Damage data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)


Exhibit B

Hawaii (52) Sheet 8



(1)



$4,501-$6,000 $28 $165 $28 $150$4,501-$6,000 22 115 22 104

$10,001-$15,000 34 187 35 170$10,001-$15,000 28 156 28 142

$2,001-$3,000 60 295 61 268



Trucks, Tractors, Trailers - Physical DamageOff-Balance Calcualtion


MediumHeavy

Extra HeavyTrailers


(3)(2)

TTT Type

Light

Original Re RatedIn-Force In-Force Off-Balance


COMP 22,526 22,147 1.01711COLL 105,654 116,449 0.90730

Notes:(6) = HJUP Trucks, Tractors, Trailers - Physical Damage In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Trucks, Tractors, Trailers - Physical Damage data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)


Exhibit B

Hawaii (52) Sheet 9



(1) (3) (4)Proposed



126.47 $28 $150 1.39 1.50 $56 $1910.00 28 150 1.39 1.50 56 19128.00 28 150 0.61 0.64 110 188

353.10 28 150 0.61 0.64 110 188

507.57


1.43729 0.84954


Publics - Physical DamageOff-Balance Calcualtion





Proposed Light Truck$4,501-$6,000 OCN, Age 1

Physical Damage Rate

(2)

Original Re RatedIn-Force In-Force Off-Balance


Buses COMP 20,688 3,209 6.44687TLV COMP 2,120 1,475 1.43729

Buses COLL 37,308 19,016 1.96193TLV COLL 25,063 29,502 0.84954

Notes:(6) = HJUP Publics - Physical Damage In-Force premium as of 3/31/2011 from a special data call of HJUP serviving carriers.(7) = HJUP In-Force Publics - Physical Damage data re-rated with proposed manual changes and current rates to isololate revenue affect of manual change.(8) = (6) / (7)


Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change1 $298 293 1.7% $202 199 1.5% $192 188 2.1% $327 322 1.6% $213 209 1.9% $192 $192 0.0%

3 192 189 1.6% 121 119 1.7% 164 161 1.9% 212 208 1.9% 126 124 1.6% 164 164 0.0%

4 175 172 1.7% 111 109 1.8% 157 154 1.9% 192 189 1.6% 116 114 1.8% 157 157 0.0%

5 187 184 1.6% 119 117 1.7% 225 221 1.8% 205 202 1.5% 124 122 1.6% 225 225 0.0%

Proposed Current % Change Proposed Current % Change Proposed Current % Change1 $547 568 -3.7% $259 264 -1.9% $293 310 -5.5%

3 478 497 -3.8% 181 184 -1.6% 285 301 -5.3%

4 476 494 -3.6% 181 184 -1.6% 290 306 -5.2%

5 497 516 -3.7% 209 213 -1.9% 323 341 -5.3%

VAN POOLS

Proposed Current % Change Proposed Current % Change Proposed Current % Change1 $414 $1,137 -63.6% $281 446 -37.0% $207 1,843 -88.8%

3 267 737 -63.8% 168 267 -37.1% 177 1,579 -88.8%

4 243 668 -63.6% 154 244 -36.9% 170 1,513 -88.8%

5 260 718 -63.8% 165 261 -36.8% 243 2,173 -88.8%


ProposedCurrent

Limo/Taxi % Change ProposedCurrent

Limo/Taxi % Change ProposedCurrent

Limo/Taxi % Change1 $1,190 679/1132 75.3/5.1% $489 282/469 73.4/4.3% $881 507/845 74.0/4.3%

3 772 440/734 75.5/5.2% 294 169/282 74.0/4.3% 755 435/724 74.0/4.3%

4 698 398/664 75.4/5.1% 267 154/256 73.4/4.3% 724 417/694 74.0/4.3%

5 750 428/713 75.2/5.2% 286 164/274 74.4/4.4% 1039 597/996 74.0/4.3%


Proposed Current* % Change Proposed Current* % Change Proposed Current* % Change1 $265 382 -30.6% $206 297 -30.6% $271 369 -26.6%

3 172 248 -30.6% 124 178 -30.3% 232 316 -26.6%

4 156 224 -30.4% 113 163 -30.7% 223 303 -26.4%

5 167 241 -30.7% 121 174 -30.5% 320 435 -26.4%

OTHER BUSES

Proposed Current** % Change Proposed Current** % Change Proposed Current** % Change1 $1,137 1,909 -40.4% $553 446 24.0% $823 1,843 -55.3%

3 737 1,238 -40.5% 331 267 24.0% 705 1,579 -55.4%

4 668 1,122 -40.5% 303 244 24.2% 675 1,513 -55.4%

5 718 1,205 -40.4% 324 261 24.1% 970 2,173 -55.4%

* Current 0-30 passenger rate** Current 0-12 passenger rate


FleetNonfleet


Territory

Territory




PD Liability PIP


Territory



PIP

PD Liability PIP

PD Liability PIP

Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Proposed % Change$62 62 0% 95 95 0% $37 37 0% $31 31 0% 47 47 0% $19 19 0%117 117 0% 220 220 0% 88 88 0% 58 58 0% 110 110 0% 44 44 0%

Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Proposed % Change$62 62 0% 95 95 0% $37 37 0% $31 31 0% 47 47 0% $19 19 0%117 117 0% 220 220 0% 88 88 0% 58 58 0% 110 110 0% 44 44 0%

Public All Other PPT Public All Other

UNINSURED MOTORISTS Rate Per Auto $20,000/40,000 LimitsStacked Nonstacked

Public



Stacked NonstackedPPT



2,3 45 51 -11.8% 28 32 -12.5% 39 45 -13.3% 24 28 -14.3%

4,5 40 45 -11.1% 25 28 -10.7% 35 40 -12.5% 22 25 -12.0%

6 32 37 -13.5% 20 23 -13.0% 28 32 -12.5% 18 20 -10.0%

6,501-8,000 1 66 75 -12.0% 42 47 -10.6% 58 66 -12.1% 36 41 -12.2%

2,3 59 68 -13.2% 38 42 -9.5% 52 59 -11.9% 32 37 -13.5%

4,5 53 60 -11.7% 34 38 -10.5% 46 53 -13.2% 29 33 -12.1%

6 43 49 -12.2% 27 31 -12.9% 38 43 -11.6% 23 27 -14.8%

8,001-9,000 1 80 91 -12.1% 51 57 -10.5% 70 80 -12.5% 44 50 -12.0%

2,3 72 82 -12.2% 46 51 -9.8% 63 72 -12.5% 39 45 -13.3%

4,5 64 73 -12.3% 41 45 -8.9% 56 64 -12.5% 35 40 -12.5%

6 52 59 -11.9% 33 37 -10.8% 46 52 -11.5% 28 32 -12.5%

9,001-10,000 1 90 103 -12.6% 58 64 -9.4% 79 90 -12.2% 49 56 -12.5%

2,3 81 92 -12.0% 52 58 -10.3% 72 81 -11.1% 44 51 -13.7%

4,5 72 82 -12.2% 46 52 -11.5% 64 72 -11.1% 39 45 -13.3%

6 59 67 -11.9% 37 42 -11.9% 52 59 -11.9% 32 37 -13.5%

10,001-11,250 1 102 116 -12.1% 65 72 -9.7% 89 102 -12.7% 55 63 -12.7%

2,3 91 104 -12.5% 58 65 -10.8% 80 91 -12.1% 50 57 -12.3%

4,5 81 92 -12.0% 52 58 -10.3% 71 81 -12.3% 44 51 -13.7%

6 66 75 -12.0% 42 47 -10.6% 58 66 -12.1% 36 41 -12.2%

11,251-12,500 1 113 128 -11.7% 72 80 -10.0% 99 113 -12.4% 62 70 -11.4%

2,3 102 115 -11.3% 65 72 -9.7% 89 102 -12.7% 55 63 -12.7%

4,5 90 103 -12.6% 57 64 -10.9% 79 90 -12.2% 49 56 -12.5%

6 73 83 -12.0% 47 52 -9.6% 64 73 -12.3% 40 46 -13.0%

12,501-13,750 1 123 140 -12.1% 79 88 -10.2% 108 123 -12.2% 67 77 -13.0%

2,3 111 126 -11.9% 71 79 -10.1% 98 111 -11.7% 61 69 -11.6%

4,5 99 112 -11.6% 63 70 -10.0% 87 99 -12.1% 54 61 -11.5%

6 80 91 -12.1% 51 57 -10.5% 70 80 -12.5% 44 50 -12.0%

13,751-15,000 1 135 153 -11.8% 86 96 -10.4% 118 135 -12.6% 73 84 -13.1%

2,3 121 138 -12.3% 77 86 -10.5% 106 121 -12.4% 66 75 -12.0%

4,5 108 122 -11.5% 69 77 -10.4% 95 108 -12.0% 59 67 -11.9%

6 88 99 -11.1% 56 62 -9.7% 77 88 -12.5% 48 54 -11.1%

15,001-16,250 1 147 167 -12.0% 94 105 -10.5% 129 147 -12.2% 80 91 -12.1%

2,3 132 151 -12.6% 84 94 -10.6% 116 132 -12.1% 72 82 -12.2%

4,5 118 134 -11.9% 75 84 -10.7% 103 118 -12.7% 64 73 -12.3%

6 96 109 -11.9% 61 68 -10.3% 84 96 -12.5% 52 59 -11.9%

16,251-17,500 1 161 183 -12.0% 102 115 -11.3% 142 161 -11.8% 88 100 -12.0%

2,3 145 165 -12.1% 92 103 -10.7% 127 145 -12.4% 79 90 -12.2%

4,5 129 146 -11.6% 82 92 -10.9% 113 129 -12.4% 70 80 -12.5%

6 105 119 -11.8% 67 75 -10.7% 92 105 -12.4% 57 65 -12.3%

17,501-18,750 1 177 201 -11.9% 113 126 -10.3% 155 177 -12.4% 96 110 -12.7%

2,3 159 181 -12.2% 101 113 -10.6% 140 159 -11.9% 87 99 -12.1%

4,5 142 161 -11.8% 90 101 -10.9% 124 142 -12.7% 77 88 -12.5%

6 115 131 -12.2% 73 82 -11.0% 101 115 -12.2% 63 71 -11.3%

18,751-20,000 1 $192 218 -11.9% 122 137 -10.9% $169 192 -12.0% $105 119 -11.8%

2,3 173 196 -11.7% 110 123 -10.6% 152 173 -12.1% 94 107 -12.1%

4,5 154 175 -12.0% 98 109 -10.1% 135 154 -12.3% 84 95 -11.6%

6 125 142 -12.0% 79 89 -11.2% 110 125 -12.0% 68 78 -12.8%

20,001-22,000 1 210 239 -12.1% 134 149 -10.1% 184 210 -12.4% 114 130 -12.3%

2,3 189 215 -12.1% 120 135 -11.1% 166 189 -12.2% 103 117 -12.0%

4,5 168 191 -12.0% 107 120 -10.8% 148 168 -11.9% 92 104 -11.5%

6 136 155 -12.3% 87 97 -10.3% 120 136 -11.8% 74 85 -12.9%

5




Proposed Current % Change Proposed Current % Change Proposed Current % Change Proposed Current % Change5



22,001-24,000 1 232 263 -11.8% 147 165 -10.9% 204 232 -12.1% 126 144 -12.5%

2,3 208 237 -12.2% 133 148 -10.1% 183 208 -12.0% 114 130 -12.3%

4,5 185 211 -12.3% 118 132 -10.6% 163 185 -11.9% 101 115 -12.2%

6 151 171 -11.7% 96 107 -10.3% 132 151 -12.6% 82 94 -12.8%

24,001-26,000 1 252 287 -12.2% 160 180 -11.1% 222 252 -11.9% 138 157 -12.1%

2,3 227 258 -12.0% 144 162 -11.1% 199 227 -12.3% 124 141 -12.1%

4,5 202 229 -11.8% 128 144 -11.1% 177 202 -12.4% 110 125 -12.0%

6 164 186 -11.8% 104 117 -11.1% 144 164 -12.2% 89 102 -12.7%

26,001-28,000 1 272 309 -12.0% 173 194 -10.8% 239 272 -12.1% 148 169 -12.4%

2,3 245 278 -11.9% 156 174 -10.3% 215 245 -12.2% 133 152 -12.5%

4,5 218 247 -11.7% 138 155 -11.0% 191 218 -12.4% 119 135 -11.9%

6 177 201 -11.9% 112 126 -11.1% 155 177 -12.4% 96 110 -12.7%

28,001-30,000 1 291 331 -12.1% 185 207 -10.6% 256 291 -12.0% 159 181 -12.2%

2,3 262 298 -12.1% 167 187 -10.7% 230 262 -12.2% 143 163 -12.3%

4,5 233 265 -12.1% 148 166 -10.8% 205 233 -12.0% 127 145 -12.4%

6 189 215 -12.1% 120 135 -11.1% 166 189 -12.2% 103 118 -12.7%

30,001-33,000 1 315 358 -12.0% 200 224 -10.7% 277 315 -12.1% 172 196 -12.2%

2,3 283 322 -12.1% 180 202 -10.9% 249 283 -12.0% 155 176 -11.9%

4,5 252 286 -11.9% 160 179 -10.6% 221 252 -12.3% 137 156 -12.2%

6 205 233 -12.0% 130 146 -11.0% 180 205 -12.2% 112 127 -11.8%

33,001-36,000 1 343 * * 218 * * 301 * * 187 * *2,3 308 * * 196 * * 271 * * 168 * *4,5 274 * * 174 * * 241 * * 149 * *6 223 * * 142 * * 196 * * 121 * *

36,001-40,000 1 374 * * 238 * * 329 * * 204 * *2,3 337 * * 214 * * 296 * * 184 * *4,5 299 * * 191 * * 263 * * 163 * *6 243 * * 155 * * 214 * * 133 * *

40,001-45,000 1 414 * * 263 * * 364 * * 226 * *2,3 372 * * 237 * * 327 * * 203 * *4,5 331 * * 211 * * 291 * * 181 * *6 269 * * 171 * * 236 * * 147 * *

45,001-50,000 1 457 * * 291 * * 402 * * 249 * *2,3 412 * * 262 * * 362 * * 225 * *4,5 366 * * 233 * * 322 * * 200 * *6 297 * * 189 * * 261 * * 162 * *

50,001-60,000 1 $521 * * $332 * * $458 * * $284 * *2,3 469 * * 299 * * 412 * * 256 * *4,5 417 * * 265 * * 367 * * 228 * *6 339 * * 216 * * 298 * * 185 * *

60,001-70,000 1 605 * * 385 * * 532 * * 330 * *2,3 545 * * 347 * * 479 * * 297 * *4,5 484 * * 308 * * 425 * * 264 * *6 393 * * 250 * * 346 * * 215 * *

70,001-80,000 1 688 * * 438 * * 605 * * 375 * *2,3 620 * * 394 * * 544 * * 338 * *4,5 551 * * 350 * * 484 * * 300 * *6 447 * * 285 * * 393 * * 244 * *




2,3 288 325 -11.4% 294 332 -11.4% 282 318 -11.3% 350 396 -11.6%4,5 256 289 -11.4% 261 295 -11.5% 250 283 -11.7% 311 352 -11.6%6 208 235 -11.5% 212 240 -11.7% 203 230 -11.7% 253 286 -11.5%

6,501-8,000 1 376 425 -11.5% 384 434 -11.5% 368 416 -11.5% 458 517 -11.4%2,3 338 383 -11.7% 346 391 -11.5% 331 374 -11.5% 412 465 -11.4%4,5 301 340 -11.5% 307 347 -11.5% 294 333 -11.7% 366 414 -11.6%6 244 276 -11.6% 250 282 -11.3% 239 270 -11.5% 298 336 -11.3%

8,001-9,000 1 410 463 -11.4% 419 473 -11.4% 401 453 -11.5% 499 564 -11.5%2,3 369 417 -11.5% 377 426 -11.5% 361 408 -11.5% 449 507 -11.4%4,5 328 371 -11.6% 335 378 -11.4% 321 363 -11.6% 399 451 -11.5%6 266 301 -11.6% 272 307 -11.4% 261 295 -11.5% 324 366 -11.5%

9,001-10,000 1 436 493 -11.6% 445 503 -11.5% 427 483 -11.6% 531 600 -11.5%2,3 393 444 -11.5% 401 453 -11.5% 384 434 -11.5% 478 540 -11.5%4,5 349 394 -11.4% 356 403 -11.7% 342 386 -11.4% 425 480 -11.5%6 284 320 -11.3% 290 327 -11.3% 277 314 -11.8% 345 390 -11.5%

10,001-11,250 1 459 519 -11.6% 468 529 -11.5% 449 508 -11.6% 559 631 -11.4%2,3 413 467 -11.6% 422 477 -11.5% 404 457 -11.6% 503 568 -11.4%4,5 367 415 -11.6% 375 424 -11.6% 359 406 -11.6% 447 505 -11.5%6 298 337 -11.6% 305 344 -11.3% 292 330 -11.5% 363 410 -11.5%

11,251-12,500 1 481 544 -11.6% 492 556 -11.5% 471 532 -11.5% 586 662 -11.5%2,3 433 490 -11.6% 442 500 -11.6% 424 479 -11.5% 528 596 -11.4%4,5 385 435 -11.5% 393 444 -11.5% 377 426 -11.5% 469 529 -11.3%6 313 354 -11.6% 319 361 -11.6% 306 346 -11.6% 381 430 -11.4%

12,501-13,750 1 508 574 -11.5% 518 586 -11.6% 497 562 -11.6% 618 698 -11.5%2,3 457 516 -11.4% 467 527 -11.4% 447 505 -11.5% 556 628 -11.5%4,5 406 459 -11.5% 415 469 -11.5% 397 449 -11.6% 495 558 -11.3%6 330 373 -11.5% 337 381 -11.5% 323 365 -11.5% 402 454 -11.5%

13,751-15,000 1 534 604 -11.6% 545 616 -11.5% 523 591 -11.5% 650 734 -11.4%2,3 481 543 -11.4% 491 555 -11.5% 470 532 -11.7% 585 661 -11.5%4,5 427 483 -11.6% 436 493 -11.6% 418 473 -11.6% 520 587 -11.4%6 347 392 -11.5% 354 401 -11.7% 340 384 -11.5% 423 477 -11.3%

15,001-16,250 1 560 633 -11.5% 572 647 -11.6% 548 620 -11.6% 682 770 -11.4%2,3 504 570 -11.6% 515 582 -11.5% 493 558 -11.6% 614 693 -11.4%4,5 448 507 -11.6% 458 517 -11.4% 439 496 -11.5% 546 616 -11.4%6 364 412 -11.7% 372 420 -11.4% 356 403 -11.7% 444 501 -11.4%

16,251-17,500 1 587 663 -11.5% 599 677 -11.5% 574 649 -11.6% 714 807 -11.5%2,3 528 597 -11.6% 539 609 -11.5% 517 584 -11.5% 643 726 -11.4%4,5 469 530 -11.5% 479 542 -11.6% 459 519 -11.6% 572 645 -11.3%6 381 431 -11.6% 389 440 -11.6% 373 422 -11.6% 464 524 -11.5%







17,501-18,750 1 617 697 -11.5% 630 712 -11.5% 604 682 -11.4% 751 848 -11.4%2,3 555 627 -11.5% 567 641 -11.5% 543 614 -11.6% 676 763 -11.4%4,5 493 558 -11.6% 504 569 -11.4% 483 546 -11.5% 601 678 -11.4%6 401 453 -11.5% 409 463 -11.7% 392 443 -11.5% 488 551 -11.4%

18,751-20,000 1 $647 731 -11.5% $660 746 -11.5% $633 716 -11.6% $788 889 -11.4%2,3 582 658 -11.6% 594 672 -11.6% 570 644 -11.5% 709 800 -11.4%4,5 517 585 -11.6% 528 597 -11.6% 506 572 -11.5% 630 711 -11.4%6 420 475 -11.6% 429 485 -11.5% 411 465 -11.6% 512 578 -11.4%

20,001-22,000 1 684 774 -11.6% 699 790 -11.5% 670 757 -11.5% 834 941 -11.4%2,3 616 696 -11.5% 629 711 -11.5% 603 581 3.8% 750 847 -11.5%4,5 547 619 -11.6% 559 632 -11.6% 536 606 -11.6% 667 753 -11.4%6 445 503 -11.5% 454 513 -11.5% 435 492 -11.6% 542 612 -11.4%

22,001-24,000 1 729 825 -11.6% 745 842 -11.5% 714 807 -11.5% 889 1,003 -11.4%2,3 656 742 -11.6% 670 758 -11.6% 643 726 -11.4% 800 903 -11.4%4,5 584 660 -11.5% 596 674 -11.6% 571 646 -11.6% 711 802 -11.3%6 474 536 -11.6% 484 547 -11.5% 464 525 -11.6% 578 652 -11.3%

24,001-26,000 1 771 871 -11.5% 787 890 -11.6% 754 853 -11.6% 939 1,060 -11.4%2,3 694 784 -11.5% 708 801 -11.6% 679 768 -11.6% 845 954 -11.4%4,5 617 697 -11.5% 630 712 -11.5% 604 682 -11.4% 751 848 -11.4%6 501 566 -11.5% 512 578 -11.4% 490 554 -11.6% 610 689 -11.5%

26,001-28,000 1 812 918 -11.5% 829 937 -11.5% 795 899 -11.6% 989 1,117 -11.5%2,3 731 826 -11.5% 746 844 -11.6% 715 809 -11.6% 890 1,005 -11.4%4,5 650 734 -11.4% 664 750 -11.5% 636 719 -11.5% 791 893 -11.4%6 528 597 -11.6% 539 609 -11.5% 517 584 -11.5% 643 726 -11.4%

28,001-30,000 1 854 965 -11.5% 872 985 -11.5% 835 944 -11.5% 1,040 1,174 -11.4%2,3 768 868 -11.5% 785 887 -11.5% 752 850 -11.5% 936 1,056 -11.4%4,5 683 772 -11.5% 697 788 -11.5% 668 755 -11.5% 832 939 -11.4%6 555 627 -11.5% 567 640 -11.4% 543 614 -11.6% 676 763 -11.4%

30,001-33,000 1 902 1,020 -11.6% 922 1,042 -11.5% 883 998 -11.5% 1,099 1,241 -11.4%2,3 812 918 -11.5% 829 937 -11.5% 795 899 -11.6% 989 1,117 -11.5%4,5 722 816 -11.5% 737 833 -11.5% 707 799 -11.5% 879 993 -11.5%6 587 663 -11.5% 599 677 -11.5% 574 649 -11.6% 714 807 -11.5%

33,001-36,000 1 951 * * 972 * * 931 * * 1,159 * *2,3 856 * * 874 * * 838 * * 1,043 * *4,5 761 * * 777 * * 745 * * 927 * *6 618 * * 631 * * 605 * * 753 * *

36,001-40,000 1 1,000 * * 1,021 * * 979 * * 1,218 * *2,3 900 * * 919 * * 881 * * 1,096 * *4,5 800 * * 817 * * 783 * * 975 * *6 650 * * 664 * * 636 * * 792 * *





40,001-45,000 1 1,060 * * 1,083 * * 1,038 * * 1,292 * *2,3 954 * * 975 * * 934 * * 1,162 * *4,5 848 * * 866 * * 830 * * 1,033 * *6 689 * * 704 * * 675 * * 840 * *

45,001-50,000 1 1,124 * * 1,148 * * 1,100 * * 1,369 * *2,3 1,012 * * 1,033 * * 990 * * 1,232 * *4,5 899 * * 919 * * 880 * * 1,096 * *6 731 * * 746 * * 715 * * 890 * *

50,001-60,000 1 $1,214 * * $1,240 * * $1,189 * * $1,479 * *2,3 1,093 * * 1,116 * * 1,070 * * 1,331 * *4,5 972 * * 992 * * 951 * * 1,183 * *6 789 * * 806 * * 773 * * 962 * *

60,001-70,000 1 1,331 * * 1,359 * * 1,303 * * 1,621 * *2,3 1,198 * * 1,223 * * 1,172 * * 1,459 * *4,5 1,065 * * 1,087 * * 1,042 * * 1,297 * *6 865 * * 884 * * 847 * * 1,054 * *

70,001-80,000 1 1,448 * * 1,478 * * 1,417 * * 1,763 * *2,3 1,303 * * 1,331 * * 1,275 * * 1,587 * *4,5 1,158 * * 1,183 * * 1,133 * * 1,411 * *6 941 * * 961 * * 921 * * 1,146 * *


Light Trucks


2,3 13 13 0.0% 68 74 -8.1%

4,5 11 11 0.0% 60 66 -9.1%

6 9 9 0.0% 49 54 -9.3%

3,001-4,500 1 22 22 0.0% 120 132 -9.1%

2,3 20 20 0.0% 108 119 -9.2%

4,5 18 18 0.0% 96 106 -9.4%

6 14 15 -6.7% 78 86 -9.3%

4,501-6,000 1 28 28 0.0% 150 165 -9.1%

2,3 25 25 0.0% 135 149 -9.4%

4,5 22 22 0.0% 120 132 -9.1%

6 18 18 0.0% 98 107 -8.4%

6,001-8,000 1 38 38 0.0% 207 227 -8.8%

2,3 34 34 0.0% 186 204 -8.8%

4,5 30 30 0.0% 166 182 -8.8%

6 25 25 0.0% 135 147 -8.2%

8,001-10,000 1 48 48 0.0% 263 289 -9.0%

2,3 43 43 0.0% 236 260 -9.2%

4,5 38 38 0.0% 210 231 -9.1%

6 31 31 0.0% 171 188 -9.0%

10,001-15,000 1 64 64 0.0% 345 380 -9.2%

2,3 58 58 0.0% 311 342 -9.1%

4,5 51 52 -1.9% 276 304 -9.2%

6 42 42 0.0% 224 247 -9.3%

Over 15,000 1 92 92 0.0% 435 479 -9.2%

2,3 83 83 0.0% 392 431 -9.0%

4,5 74 74 0.0% 348 383 -9.1%

6 60 60 0.0% 283 311 -9.0%


Medium Trucks


2,3 12 12 0.0% 51 57 -10.5%4,5 11 11 0.0% 46 51 -9.8%6 9 9 0.0% 37 41 -9.8%

4,501-6,000 1 22 22 0.0% 104 115 -9.6%2,3 20 20 0.0% 94 104 -9.6%4,5 18 18 0.0% 83 92 -9.8%6 14 14 0.0% 68 75 -9.3%

6,001-8,000 1 30 30 0.0% 142 158 -10.1%2,3 27 27 0.0% 128 142 -9.9%4,5 24 24 0.0% 114 127 -10.2%6 19 19 0.0% 93 103 -9.7%

8,001-10000 1 37 37 0.0% 182 201 -9.5%2,3 34 34 0.0% 164 181 -9.4%4,5 30 30 0.0% 146 161 -9.3%6 24 24 0.0% 118 131 -9.9%

10,001-15,000 1 52 52 0.0% 244 270 -9.6%2,3 47 47 0.0% 220 243 -9.5%4,5 41 41 0.0% 196 216 -9.3%6 34 34 0.0% 159 176 -9.7%

15,001-20,000 1 66 66 0.0% 286 316 -9.5%2,3 59 59 0.0% 257 285 -9.8%4,5 53 53 0.0% 229 253 -9.5%6 43 43 0.0% 186 206 -9.7%

Over 20,000 1 88 88 0.0% 338 374 -9.6%2,3 79 79 0.0% 304 336 -9.5%4,5 70 70 0.0% 270 299 -9.7%6 57 57 0.0% 220 243 -9.5%




2,3 14 14 0.0% 69 76 -9.2%4,5 13 12 8.3% 61 68 -10.3%6 10 10 0.0% 50 55 -9.1%

8,001-10,000 1 25 24 4.2% 128 141 -9.2%2,3 22 22 0.0% 115 127 -9.4%4,5 20 19 5.3% 102 113 -9.7%6 16 16 0.0% 83 92 -9.8%

10,001-15,000 1 35 34 2.9% 170 187 -9.1%2,3 32 30 6.7% 153 168 -8.9%4,5 28 27 3.7% 136 149 -8.7%6 23 22 4.5% 111 121 -8.3%

15,001-20,000 1 49 48 2.1% 206 226 -8.8%2,3 44 43 2.3% 185 203 -8.9%4,5 39 38 2.6% 165 180 -8.3%6 32 31 3.2% 134 147 -8.8%

20,001-25,000 1 63 61 3.3% 228 250 -8.8%2,3 57 55 3.6% 205 225 -8.9%4,5 50 49 2.0% 182 200 -9.0%6 41 40 2.5% 148 163 -9.2%

25,001-40,000 1 91 89 2.2% 275 303 -9.2%2,3 82 80 2.5% 248 273 -9.2%4,5 73 71 2.8% 220 243 -9.5%6 59 58 1.7% 179 197 -9.1%

40,001-65,000 1 147 143 2.8% 384 423 -9.2%2,3 132 129 2.3% 346 381 -9.2%4,5 118 114 3.5% 307 338 -9.2%6 96 93 3.2% 250 275 -9.1%

Over 65,000 1 217 211 2.8% 481 529 -9.1%2,3 195 190 2.6% 433 476 -9.0%4,5 174 169 3.0% 385 423 -9.0%6 141 137 2.9% 313 344 -9.0%




2,3 12 12 0.0% 59 64 -7.8%4,5 10 10 0.0% 52 57 -8.8%6 8 8 0.0% 42 46 -8.7%

8,001-10,000 1 20 20 0.0% 108 118 -8.5%2,3 18 18 0.0% 97 106 -8.5%4,5 16 16 0.0% 86 94 -8.5%6 13 13 0.0% 70 77 -9.1%

10,001-15,000 1 28 28 0.0% 142 156 -9.0%2,3 25 25 0.0% 128 141 -9.2%4,5 22 22 0.0% 114 125 -8.8%6 18 18 0.0% 92 102 -9.8%

15,001-20,000 1 40 40 0.0% 172 189 -9.0%2,3 36 36 0.0% 155 170 -8.8%4,5 32 32 0.0% 137 151 -9.3%6 26 26 0.0% 112 123 -8.9%

20,001-25,000 1 51 51 0.0% 190 209 -9.1%2,3 46 46 0.0% 171 189 -9.5%4,5 41 41 0.0% 152 168 -9.5%6 33 33 0.0% 124 136 -8.8%

25,001-40,000 1 74 74 0.0% 231 254 -9.1%2,3 67 67 0.0% 208 228 -8.8%4,5 59 59 0.0% 185 203 -8.9%6 48 48 0.0% 150 165 -9.1%

40,001-65,000 1 119 119 0.0% 322 354 -9.0%2,3 107 107 0.0% 290 319 -9.1%4,5 95 95 0.0% 258 283 -8.8%6 77 77 0.0% 210 230 -8.7%

Over 65,000 1 176 176 0.0% 403 443 -9.0%2,3 159 158 0.6% 363 398 -8.8%4,5 141 141 0.0% 323 354 -8.8%6 114 114 0.0% 262 288 -9.0%




2,3 16 16 0.0% 99 109 -9.2%4,5 15 14 7.1% 88 97 -9.3%6 12 12 0.0% 71 79 -10.1%

1,001-2,000 1 37 36 2.8% 158 174 -9.2%2,3 33 32 3.1% 142 156 -9.0%4,5 29 29 0.0% 126 139 -9.4%6 24 23 4.3% 103 113 -8.8%

2,001-3,000 1 61 60 1.7% 268 295 -9.2%2,3 55 54 1.9% 241 266 -9.4%4,5 49 48 2.1% 214 236 -9.3%6 40 39 2.6% 174 192 -9.4%

3,001-4,500 1 85 84 1.2% 426 469 -9.2%2,3 77 76 1.3% 384 422 -9.0%4,5 68 67 1.5% 341 375 -9.1%6 56 55 1.8% 277 305 -9.2%

4,501-6,000 1 122 120 1.7% 632 695 -9.1%2,3 110 108 1.9% 569 626 -9.1%4,5 98 96 2.1% 506 556 -9.0%6 79 78 1.3% 411 452 -9.1%

6,001-8,000 1 165 162 1.9% 871 958 -9.1%2,3 148 146 1.4% 784 860 -8.8%4,5 132 130 1.5% 697 765 -8.9%6 107 105 1.9% 566 621 -8.9%

8,001-10,000 1 214 210 1.9% 1,136 1,251 -9.2%2,3 192 189 1.6% 1,023 1,126 -9.1%4,5 171 168 1.8% 909 1,001 -9.2%6 139 137 1.5% 739 813 -9.1%

10,001-20,000 1 348 342 1.8% 1,672 1,842 -9.2%2,3 313 308 1.6% 1,505 1,658 -9.2%4,5 278 274 1.5% 1,338 1,473 -9.2%6 226 222 1.8% 1,087 1,197 -9.2%

20,001-40,000 1 702 690 1.7% 2,463 2,711 -9.1%2,3 631 621 1.6% 2,217 2,439 -9.1%4,5 561 552 1.6% 1,970 2,168 -9.1%6 456 449 1.6% 1,601 1,762 -9.1%

Over 40,000 1 1,165 1,146 1.7% 3,409 3,753 -9.2%

2,3 1,049 1,031 1.7% 3,068 3,378 -9.2%

4,5 932 917 1.6% 2,727 3,002 -9.2%

6 757 745 1.6% 2,216 2,439 -9.1%




$0-3,000 1 $28 * * $96 * *2,3 25 * * 86 * *4,5 22 * * 76 * *6 18 * * 62 * *

3,001-4,500 1 $44 * * $153 * *2,3 40 * * 138 * *4,5 35 * * 122 * *6 29 * * 99 * *

4,501-6,000 1 $56 * * $191 * *2,3 50 * * 172 * *4,5 45 * * 153 * *6 36 * * 124 * *

6,001-8,000 1 $76 * * $264 * *2,3 68 * * 237 * *4,5 61 * * 211 * *6 49 * * 171 * *

8,001-10,000 1 $96 * * $335 * *2,3 86 * * 301 * *4,5 77 * * 268 * *6 62 * * 217 * *

10,001-15,000 1 $128 * * $440 * *2,3 115 * * 396 * *4,5 102 * * 352 * *6 83 * * 286 * *

Over $15,000 1 $184 * * $554 * *2,3 166 * * 499 * *4,5 147 * * 443 * *6 120 * * 360 * *





All Buses


$0-3,000 1 $55 ** ** $94 85 10.6%

2,3 50 ** ** 85 76 11.8%

4,5 44 ** ** 75 68 10.3%

6 36 ** ** 61 55 10.9%

3,001-4,500 1 $87 ** ** $151 85 77.6%

2,3 78 ** ** 136 76 78.9%

4,5 70 ** ** 121 68 77.9%

6 57 ** ** 98 55 78.2%

4,501-6,000 1 $110 ** ** $188 85 121.2%

2,3 99 ** ** 170 76 123.7%

4,5 88 ** ** 151 68 122.1%

6 72 ** ** 122 55 121.8%

6,001-8,000 1 $150 ** ** $260 85 205.9%

2,3 135 ** ** 234 76 207.9%

4,5 120 ** ** 208 68 205.9%

6 97 ** ** 169 55 207.3%

8,001-10,000 1 $188 ** ** $330 141 134.0%

2,3 169 ** ** 297 127 133.9%

4,5 151 ** ** 264 113 133.6%

6 122 ** ** 214 92 132.6%

10,001-15,000 1 $252 ** ** $433 187 131.6%

2,3 227 ** ** 390 168 132.1%

4,5 202 ** ** 347 149 132.9%

6 164 ** ** 282 121 133.1%

Over $15,000 1 $362 ** ** $546 226 141.6%

2,3 326 ** ** 492 203 142.4%

4,5 290 ** ** 437 180 142.8%

6 235 ** ** 355 147 141.5%




Light Trucks


2,3 13 13 0.0% 68 74 -8.1%

4,5 11 11 0.0% 60 66 -9.1%

6 9 9 0.0% 49 54 -9.3%

3,001-4,500 1 22 22 0.0% 120 132 -9.1%

2,3 20 20 0.0% 108 119 -9.2%

4,5 18 18 0.0% 96 106 -9.4%

6 14 15 -6.7% 78 86 -9.3%

4,501-6,000 1 28 28 0.0% 150 165 -9.1%

2,3 25 25 0.0% 135 149 -9.4%

4,5 22 22 0.0% 120 132 -9.1%

6 18 18 0.0% 98 107 -8.4%

6,001-8,000 1 38 38 0.0% 207 227 -8.8%

2,3 34 34 0.0% 186 204 -8.8%

4,5 30 30 0.0% 166 182 -8.8%

6 25 25 0.0% 135 147 -8.2%

8,001-10,000 1 48 48 0.0% 263 289 -9.0%

2,3 43 43 0.0% 236 260 -9.2%

4,5 38 38 0.0% 210 231 -9.1%

6 31 31 0.0% 171 188 -9.0%

10,001-15,000 1 64 64 0.0% 345 380 -9.2%

2,3 58 58 0.0% 311 342 -9.1%

4,5 51 52 -1.9% 276 304 -9.2%

6 42 42 0.0% 224 247 -9.3%

Over 15,000 1 92 92 0.0% 435 479 -9.2%

2,3 83 83 0.0% 392 431 -9.0%

4,5 74 74 0.0% 348 383 -9.1%

6 60 60 0.0% 283 311 -9.0%


Medium Trucks


2,3 12 12 0.0% 51 57 -10.5%4,5 11 11 0.0% 46 51 -9.8%6 9 9 0.0% 37 41 -9.8%

4,501-6,000 1 22 22 0.0% 104 115 -9.6%2,3 20 20 0.0% 94 104 -9.6%4,5 18 18 0.0% 83 92 -9.8%6 14 14 0.0% 68 75 -9.3%

6,001-8,000 1 30 30 0.0% 142 158 -10.1%2,3 27 27 0.0% 128 142 -9.9%4,5 24 24 0.0% 114 127 -10.2%6 19 19 0.0% 93 103 -9.7%

8,001-10000 1 37 37 0.0% 182 201 -9.5%2,3 34 34 0.0% 164 181 -9.4%4,5 30 30 0.0% 146 161 -9.3%6 24 24 0.0% 118 131 -9.9%

10,001-15,000 1 52 52 0.0% 244 270 -9.6%2,3 47 47 0.0% 220 243 -9.5%4,5 41 41 0.0% 196 216 -9.3%6 34 34 0.0% 159 176 -9.7%

15,001-20,000 1 66 66 0.0% 286 316 -9.5%2,3 59 59 0.0% 257 285 -9.8%4,5 53 53 0.0% 229 253 -9.5%6 43 43 0.0% 186 206 -9.7%

Over 20,000 1 88 88 0.0% 338 374 -9.6%2,3 79 79 0.0% 304 336 -9.5%4,5 70 70 0.0% 270 299 -9.7%6 57 57 0.0% 220 243 -9.5%




2,3 14 14 0.0% 69 76 -9.2%4,5 13 12 8.3% 61 68 -10.3%6 10 10 0.0% 50 55 -9.1%

8,001-10,000 1 25 24 4.2% 128 141 -9.2%2,3 22 22 0.0% 115 127 -9.4%4,5 20 19 5.3% 102 113 -9.7%6 16 16 0.0% 83 92 -9.8%

10,001-15,000 1 35 34 2.9% 170 187 -9.1%2,3 32 30 6.7% 153 168 -8.9%4,5 28 27 3.7% 136 149 -8.7%6 23 22 4.5% 111 121 -8.3%

15,001-20,000 1 49 48 2.1% 206 226 -8.8%2,3 44 43 2.3% 185 203 -8.9%4,5 39 38 2.6% 165 180 -8.3%6 32 31 3.2% 134 147 -8.8%

20,001-25,000 1 63 61 3.3% 228 250 -8.8%2,3 57 55 3.6% 205 225 -8.9%4,5 50 49 2.0% 182 200 -9.0%6 41 40 2.5% 148 163 -9.2%

25,001-40,000 1 91 89 2.2% 275 303 -9.2%2,3 82 80 2.5% 248 273 -9.2%4,5 73 71 2.8% 220 243 -9.5%6 59 58 1.7% 179 197 -9.1%

40,001-65,000 1 147 143 2.8% 384 423 -9.2%2,3 132 129 2.3% 346 381 -9.2%4,5 118 114 3.5% 307 338 -9.2%6 96 93 3.2% 250 275 -9.1%

Over 65,000 1 217 211 2.8% 481 529 -9.1%2,3 195 190 2.6% 433 476 -9.0%4,5 174 169 3.0% 385 423 -9.0%6 141 137 2.9% 313 344 -9.0%




2,3 12 12 0.0% 59 64 -7.8%4,5 10 10 0.0% 52 57 -8.8%6 8 8 0.0% 42 46 -8.7%

8,001-10,000 1 20 20 0.0% 108 118 -8.5%2,3 18 18 0.0% 97 106 -8.5%4,5 16 16 0.0% 86 94 -8.5%6 13 13 0.0% 70 77 -9.1%

10,001-15,000 1 28 28 0.0% 142 156 -9.0%2,3 25 25 0.0% 128 141 -9.2%4,5 22 22 0.0% 114 125 -8.8%6 18 18 0.0% 92 102 -9.8%

15,001-20,000 1 40 40 0.0% 172 189 -9.0%2,3 36 36 0.0% 155 170 -8.8%4,5 32 32 0.0% 137 151 -9.3%6 26 26 0.0% 112 123 -8.9%

20,001-25,000 1 51 51 0.0% 190 209 -9.1%2,3 46 46 0.0% 171 189 -9.5%4,5 41 41 0.0% 152 168 -9.5%6 33 33 0.0% 124 136 -8.8%

25,001-40,000 1 74 74 0.0% 231 254 -9.1%2,3 67 67 0.0% 208 228 -8.8%4,5 59 59 0.0% 185 203 -8.9%6 48 48 0.0% 150 165 -9.1%

40,001-65,000 1 119 119 0.0% 322 354 -9.0%2,3 107 107 0.0% 290 319 -9.1%4,5 95 95 0.0% 258 283 -8.8%6 77 77 0.0% 210 230 -8.7%

Over 65,000 1 176 176 0.0% 403 443 -9.0%2,3 159 158 0.6% 363 398 -8.8%4,5 141 141 0.0% 323 354 -8.8%6 114 114 0.0% 262 288 -9.0%




2,3 16 16 0.0% 99 109 -9.2%4,5 15 14 7.1% 88 97 -9.3%6 12 12 0.0% 71 79 -10.1%

1,001-2,000 1 37 36 2.8% 158 174 -9.2%2,3 33 32 3.1% 142 156 -9.0%4,5 29 29 0.0% 126 139 -9.4%6 24 23 4.3% 103 113 -8.8%

2,001-3,000 1 61 60 1.7% 268 295 -9.2%2,3 55 54 1.9% 241 266 -9.4%4,5 49 48 2.1% 214 236 -9.3%6 40 39 2.6% 174 192 -9.4%

3,001-4,500 1 85 84 1.2% 426 469 -9.2%2,3 77 76 1.3% 384 422 -9.0%4,5 68 67 1.5% 341 375 -9.1%6 56 55 1.8% 277 305 -9.2%

4,501-6,000 1 122 120 1.7% 632 695 -9.1%2,3 110 108 1.9% 569 626 -9.1%4,5 98 96 2.1% 506 556 -9.0%6 79 78 1.3% 411 452 -9.1%

6,001-8,000 1 165 162 1.9% 871 958 -9.1%2,3 148 146 1.4% 784 860 -8.8%4,5 132 130 1.5% 697 765 -8.9%6 107 105 1.9% 566 621 -8.9%

8,001-10,000 1 214 210 1.9% 1,136 1,251 -9.2%2,3 192 189 1.6% 1,023 1,126 -9.1%4,5 171 168 1.8% 909 1,001 -9.2%6 139 137 1.5% 739 813 -9.1%

10,001-20,000 1 348 342 1.8% 1,672 1,842 -9.2%2,3 313 308 1.6% 1,505 1,658 -9.2%4,5 278 274 1.5% 1,338 1,473 -9.2%6 226 222 1.8% 1,087 1,197 -9.2%

20,001-40,000 1 702 690 1.7% 2,463 2,711 -9.1%2,3 631 621 1.6% 2,217 2,439 -9.1%4,5 561 552 1.6% 1,970 2,168 -9.1%6 456 449 1.6% 1,601 1,762 -9.1%

Over 40,000 1 1,165 1,146 1.7% 3,409 3,753 -9.2%

2,3 1,049 1,031 1.7% 3,068 3,378 -9.2%

4,5 932 917 1.6% 2,727 3,002 -9.2%

6 757 745 1.6% 2,216 2,439 -9.1%




$0-3,000 1 $28 * * $96 * *2,3 25 * * 86 * *4,5 22 * * 76 * *6 18 * * 62 * *

3,001-4,500 1 $44 * * $153 * *2,3 40 * * 138 * *4,5 35 * * 122 * *6 29 * * 99 * *

4,501-6,000 1 $56 * * $191 * *2,3 50 * * 172 * *4,5 45 * * 153 * *6 36 * * 124 * *

6,001-8,000 1 $76 * * $264 * *2,3 68 * * 237 * *4,5 61 * * 211 * *6 49 * * 171 * *

8,001-10,000 1 $96 * * $335 * *2,3 86 * * 301 * *4,5 77 * * 268 * *6 62 * * 217 * *

10,001-15,000 1 $128 * * $440 * *2,3 115 * * 396 * *4,5 102 * * 352 * *6 83 * * 286 * *

Over $15,000 1 $184 * * $554 * *2,3 166 * * 499 * *4,5 147 * * 443 * *6 120 * * 360 * *





All Buses


$0-3,000 1 $55 ** ** $94 85 10.6%

2,3 50 ** ** 85 76 11.8%

4,5 44 ** ** 75 68 10.3%

6 36 ** ** 61 55 10.9%

3,001-4,500 1 $87 ** ** $151 85 77.6%

2,3 78 ** ** 136 76 78.9%

4,5 70 ** ** 121 68 77.9%

6 57 ** ** 98 55 78.2%

4,501-6,000 1 $110 ** ** $188 85 121.2%

2,3 99 ** ** 170 76 123.7%

4,5 88 ** ** 151 68 122.1%

6 72 ** ** 122 55 121.8%

6,001-8,000 1 $150 ** ** $260 85 205.9%

2,3 135 ** ** 234 76 207.9%

4,5 120 ** ** 208 68 205.9%

6 97 ** ** 169 55 207.3%

8,001-10,000 1 $188 ** ** $330 141 134.0%

2,3 169 ** ** 297 127 133.9%

4,5 151 ** ** 264 113 133.6%

6 122 ** ** 214 92 132.6%

10,001-15,000 1 $252 ** ** $433 187 131.6%

2,3 227 ** ** 390 168 132.1%

4,5 202 ** ** 347 149 132.9%

6 164 ** ** 282 121 133.1%

Over $15,000 1 $362 ** ** $546 226 141.6%

2,3 326 ** ** 492 203 142.4%

4,5 290 ** ** 437 180 142.8%

6 235 ** ** 355 147 141.5%




Proposed Rule Number Title % Change

3 Certified Risks--Financial Respon. Laws 1.10 1.50/ 1.25/ 1.05 36.4/13.6/-4.5%


PPT % Change All Other % Change PPT % Change All Other % Change

Full 1.300 of $50 Ded * 1.250 * 1.508 * 1.438 *$50 1.160 of $100 Ded * 1.150 * 1.160 * 1.150 *100 1.000 of $100 Ded * 1.000 * 1.000 * 1.000 *250 .900 of $100 Ded * 0.900 * 0.900 * 0.900 *500 .775 of $100 Ded * 0.775 * 0.775 * 0.775 *


Coll. Ded. PPT * All Other * PPT * All Other *$50 1.250 of $100 Ded * 1.200 * 1.413 * 1.344 *100 1.130 of $250 Ded * 1.120 * 1.130 * 1.120 *250 1.000 of $250 Ded * 1.100 * 1.000 * 1.000 *500 .930 of $250 Ded * 0.930 * 0.930 * 0.930 *

1,000 .780 of $250 Ded * 0.780 * 0.780 * 0.780 *1,500 .820 of $1,000 Ded * 0.850 * 0.640 * 0.663 *2,000 .690 of $1,000 Ded * 0.690 * 0.538 * 0.538 *

* Factors changed due to changing to a consistent base deductible. No % Change



73 Trucks, Tractors, & Trailers Classificaitons Amusement Devices None 1.600 NA-New Rating

133 Ambulances BI, PD, & PIP 2.00 1.750 -12.5%

Comp/Coll 1.00/1.50 .40/.60 -60/-60%Dual Controls

Comp. Ded.



134 Driver Training Programs… BI, PD, & PIP 0.75 0.50 -33.3%No Dual ContBI, PD, & PIP 1.00 1.00 0.0%

Comp/Coll 1.00 0.85 -15.0%

135 Fire Departments

PPT BI, PD, & PIP 1.00 0.80 -20.0%

Comp/Coll 0.50 .40/.45 -20/-10%

Trailer BI, PD, & PIP 1.60 0.25 -84.4%

Comp/Coll 1.00 0.35 -65.0%

All Other BI, PD, & PIP 0.90 0.90 0.0%

Comp/Coll 1.00 0.35 -65.0%

136 Funeral Directors

Limo BI, PD, & PIP 1.00 0.70 -30.0%

Comp/Coll 0.70 0.60 -14.3%

Hearse/Flower Car BI, PD, & PIP 1.00 0.55 -45.0%

Comp/Coll .50/.70 .50/.45 0/-35.7%

Combination Hearse and Ambulance BI & PIP 3.00 1.75 -41.7%

PD 2.00 1.75 -12.5%

Comp/Coll .75/1.00 .40/.60 -46.7/-40%

All Other BI, PD, & PIP Reg Use Factor Reg Use Factor NA

Comp/Coll Reg Use Factor Reg Use Factor NA

Proposed Rule Number Title % ChangeProposed Rate/Rating Factor


137 Law Enforcement Agency Autos

PPT BI, PD, & PIP 1.00 1.15 15.0%

Comp/Coll 1.00 .90/1.00 -10/0%

All Other--stationed at HQ BI, PD, & PIP 1.60 1.40 -12.5%

Comp/Coll 1.50 0.90 -40.0%

All Other--Not stationed at HQ BI, PD, & PIP 1.00 1.40 40.0%

Comp/Coll 1.50 0.90 -40.0%

138 Leasing or Rental Concerns

Rented by Hour, Day, Week, or Month

PPT BI, PD, & PIP 2.50 3.50 40.0%

Comp/Coll 3.00 3.00 0.0%

Truck BI, PD, & PIP 4.00 2.50 -37.5%


Tractor BI, PD, & PIP 4.00 2.75 -31.3%


Trailer BI, PD, & PIP 0.25 0.10 -60.0%

Comp/Coll 0.25 0.20 -20.0%

139 Mobile or Farm

Operations Coverage Excluded

Air Compressors, etc. BI, PD, & PIP 1.00 1.00 0.0%

Comp/Coll 1.00 .600/.650 -40.0/-35.0%

Cranes, Ditch Diggers, etc. BI, PD, & PIP 1.25 1.00 -20.0%

Comp/Coll 1.25 .600/.650 -52.0/-48.0

Well Drilling Machinery BI, PD, & PIP 0.60 1.00 66.7%

Comp/Coll 0.60 .600/.650 0/8.3%

Full Liability Provided

Bulldozers BI, PD, & PIP 1.25 1.00 -20.0%

Comp/Coll 1.25 .600/.650 -52.0/-48.0%

Harvesting Combines BI, PD, & PIP 1.60 0.15 -90.6%

Comp/Coll 1.60 .450/.300 -71.9/-81.3%

140 Motor Homes

Overall Length > 22 ft BI, PD, & PIP 1.60 0.75 -53.1%

Comp/Coll 1.00 0.50 -50.0%

Overall Length <= 22 ft BI, PD, & PIP 1.25 0.60 -52.0%

Comp/Coll 1.00 0.50 -50.0%

141 Antique Autos BI, PD, & PIP 0.25 0.14 -44.0%

Comp $1.00/$100 of ins $.56/$100 of ins NA

Coll $1.15/$100 of ins $.49/$100 of ins NA