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State Farm Mutual Automobile Insurance Company A ~ State Farm Mutual Automobile Insurance Company A November 19, 2007 Jay Hieb, FCAS, MAAA • Actuary and Assistant Secretary-Treasurer Commonwealth of Massachusetts One State Fann Plaza, D4 Office of Consumer Affairs and Business Regulation Bloomington, Illinois 61710 Phone: 309.766.9936 Division of Insurance Fax: 309.766.0225 One South Station E-mail: [email protected] Boston, MA 02110-2208 ATTENTION: Ms. Andrea Guen Re: State Farm Mutual Automobile Insurance Company Massachusetts Filing Memorandum Effective April 1, 2008 for New and Renewal Business Dear Ms. Guen: As an insurer with less than 1 % of the Massachusetts automobile insurance market share, State Farm has elected . to adopt the Massachusetts Automobile Insurance Bureau transition filing effective April 1, 2008. The effect of this filing decreases our overall premium income level by 1.6% or -$255,500 annually. Please refer to the AlB filing for statewide factor changes, loss and expense development, and the updated rate manual. .The estimated annual effects of the proposed changes are summarized in the table below: Estimated Coverage Percent Change Annual Effect Basic BI (A-1) -16.1% -$320,800 PIP (A-2) -16.3 - 119,500 UM -Basic -13.2 - 24,800 UM -Inc. Limits -26.0 - 20,700 UIM - Total -12.8 - 65,000 PD- Basic 8.5 206,500 PO - Inc. Limits 11.5 134,400 B - Basic -25.9 - 13,000 B - Inc. Limits - 9.9 - 247,600 MPC -11.3 - 21,000 Collision (Broad) 4.6 177,100 Collision {Limited} 4.6 13,500 Comprehensive 3.1 48,500 All Coverages - 1.6% -$255,500 At this time, we are unable to provide the Certification of Distribution Exhibit requested in the 001 transition filing instructions dated November 14, 2007. We are currently preparing this data and will send the exhibit as soon as possible . • cordi~\\ Jay Hieb Actuary and Assistant Secretary-Treasurer HOME OFFICES: BLOOMINGTON, ILLINOIS 61710-0001 • 2008 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL • Printed and Distributed by AUTOMOBILE INSURERS BUREAU OF MASSACHUSETTS 101 Arch Street, Boston, MA 02110 Copyright, Automobile Insurers Bureau, 2008 • TABLE OF CONTENTS Page SECTION I - GENERAL RULES • Rule No. 1 Massachusetts Automobile Insurance Policy - Eligibility ............................... ............ 1 2 Coverages and Limits................................................................................................ 1 3 Mandatory Offer of Coverage...... ........ ....... ..................... .......................... ................ 2 4 Standard Procedures. ................................ .................. .............................................. 2 5 Residence and Location........ ........ .................. ........ .............................. ...... .............. 3 6 Out-of-State Garaging... ........ .................................. .................................................. 4 7 Policy Period...... ........ .......... .......... .................................. .................................. ........ 4 8 Changes.................................................................................................................... 5 9 Motor Vehicle Registration Certificates....... ........ ......... .................. ............................ 5 10 Certified Risks - Financial Responsibility Laws.................. ....... ......... ........ ............ .... 5 11 Premium Calculation Rule ............. ..................... ............... ....... ............. ........ ............ 6 12 Whole Dollar Premium Rule.......................... ........................ ............ ........................ 7 13 Installment Payment of Premiums............................................................................. 7 14 Deposit Premium Rule..... .............. .......... ...... ........................ ...... ........ ...................... 7 15 Employers Subject to Massachusetts Workers Compensation Act........................... 7 16 Deductibles - Parts 7,8 and 9................................................................................... 7 17 Substitute Transportation .......................................................................................... 7 18 Termination of Insurance........................................................................................... 8 19 Discounts ................................................................................................................... 13 20 Model Year Rating ..................................................................................................... 15 21 Reserved for Future Use_ .......................................................................................... 15 22 Non-Symbolled Vehides and Rating Vehides for which Symbols are not shown on the Rate Pages .............................................................. 16 23 High-Theft Vehides ....................... .......... .............. ........ ........ ...................... .............. 17 24 Extra-Risk Rating (Collision and Comprehensive) ..................................................... 17 25 Vehide Series Rating ................................................................................................ 18 26 Reserved for Future Use ........................................................................................... 19 • SECTION II - PRIVATE PASSENGER AUTOMOBILES Rule No. 27 Private Passenger Definition. ........ ...... ........................ ................................ .............. 20 28 Private Passenger Classifications ...... ............................................. ...... .......... .......... 20 29 Reserved For Future Use .......................................................................................... 23 30 Personal Injury Protection - Deductible Form .... ......... ......... ........ ....... ............ .......... 23 31 Transportation of Fellow Employees ......................................................................... 23 Copyright, Automobile Insurers Bureau, 2008 • MASSACHUSETIS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL SECTION II - PRIVATE PASSENGER AUTOMOBILES (cont.) Rule No. Page 32 Pick-Ups, Vans, and Similar Type Vehicles .............................................................. 23 • 33 Towing and Labor Cost ............................................................................................. 24 34 Trailers Designed for Use With Private Passenger Motor Vehicles .......................... 24 35-38 Reserved for Future Use..... .......... ....... ...... ..... .......... .............. ........ .... ........ ........ 24 SECTION III - MISCELLANEOUS MOTOR VEHICLES AND COVERAGES Rule No. 39 Motor Homes/Camper Bodies. .... ...... .... .... ..... ....... .... ........ ................ ...... ..... ... ...... .... 25 40 Antique Motor Cars and Motorcycles ........ ............ .... ...... ............ .......... .... ...... .......... 25 41 Stated Amount Coverage ............ .... ..... ......... .... .... .... ..... ..... ...... .... ............ ..... ........... 25 42-43 Reserved for Future Use .................................................................................. 26 44 Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles .. ...... ........ .... ........ 26 45 Agreed Amount Coverage - Comprehensive .. ........ ...... .... .... ...... ........ .... .................. 27 46 Excess Electronic Equipment Coverage ......... ...... .... ........ ........ ........ ...... ........ ...... .... 27 47 Customized Vans and Pickups .................................................................................. 28 48 Original Equipment Manufacturer Parts Coverage .................................................... 28 SECTION IV - NON-OWNED AUTOMOBILES Rule No. 49 Named Non-Owner Policy ......... ........ ............ .......... .......... .... ...... .... .... .... ......... ... ...... 29 50 Use of Other Automobiles ........... .......... .... .... .... .... .......... .... ...... .... ........ .............. ...... 29 51-53 Reserved for Future Use..................................................................................... 30 • SECTION V - SUPPLEMENTAL INFORMATION Rule No. 54 Anti-Theft Device Standards and Discounts .............................................................. 31 55 Pre-Insurance Inspection Program ............................................................................ 37 56 Increased Limits Tables and Implicit Surcharge Exclusion Factors ........................... 43 57 Reserved for Future Use ........................................................................................... 44 58 Registry of Motor Vehicles Procedures ..................................................................... 44 ADDITIONAL ITEMS Private Passenger Endorsement Index ..................................................................... B-1 Private Passenger Forms .......................................................................................... B-2 Personal Auto Forms Index ....................................................................................... B-3 Copyright, Automobile Insurers Bureau, 2008 • MASSACHUSETIS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL RATING TERRITORIES SECTION Rating Territories............................................................................................ T -1 - T-6 Page • RATE SECTION Memorandum ............................................................................................................ R-1 Private Passenger Rates ...............................................................................
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