COMMERCIAL AUTO
TABLE OF CONTENTS
ITEM
CA PAGE
Additional and Return Premium Changes ..............................................................................................
Antique Autos .........................................................................................................................................
Application Procedure ............................................................................................................................
Audio, Visual and Data Electronic Equipment – Added Limits ..............................................................
Auto Loan/Lease Gap Coverage ...........................................................................................................
Cancellation/Nonrenewal .......................................................................................................................
Classifications ........................................................................................................................................
Covered Auto Designation Symbols ......................................................................................................
Deductible Insurance .............................................................................................................................
Discounts................................................................................................................................................
Drive Other Car Coverage .....................................................................................................................
Farm Vehicles ........................................................................................................................................
Financial Responsibility Laws - Certification ..........................................................................................
Funeral Directors ....................................................................................................................................
Hired Autos.............................................................................................................................................
Increased Liability Limits ........................................................................................................................
Individual as the Named Insured ...........................................................................................................
Individual Risk Premium Modification Plan ............................................................................................
Insurance Score .....................................................................................................................................
Introduction.............................................................................................................................................
Mobile Equipment ..................................................................................................................................
Mobile Homes ........................................................................................................................................
Non-Binding/Ineligible Vehicles .............................................................................................................
Non-Ownership Liability .........................................................................................................................
Personal Injury Protection Coverage .....................................................................................................
Physical Damage Coverage Rating Procedures ...................................................................................
Age Group Factors ..........................................................................................................................
Original Cost New Factors ...............................................................................................................
Policy Term ............................................................................................................................................
Premium Development – Trucks, Tractors & Trailers ............................................................................
Premium Procedures .............................................................................................................................
Primary Classifications and Rating Factors Table .................................................................................
Private Passenger Types .......................................................................................................................
Rating Territories And Factors ...............................................................................................................
Rental Vehicle Coverage - Private Passenger Autos ............................................................................
Roadside Assistance Coverage .............................................................................................................
Rounding Procedure ..............................................................................................................................
Safe Driver Insurance Plan (SDIP) ........................................................................................................
Secondary Classifications and Rating Factors Table ............................................................................
Service/Utility Trailer (0-2,000 Pound Load Capacity) ...........................................................................
Special or Customized Equipment Coverage ........................................................................................
Suspension ............................................................................................................................................
Tapes, Records and Discs Coverage ....................................................................................................
Towing and Labor Costs Coverage (See Roadside Assistance Coverage) ..........................................
Trusts .....................................................................................................................................................
Uninsured Motorists and Underinsured Motorists Coverage .................................................................
3
8
1
15
22
4
7-8
2-3
18
26-28
10-11
8
19
9
12-13
19
13
28
29-30
1
9-10
9
31
11-12
14
20-21
20
20
3
5-6
1-2
32-33
8
4
22
8
3
24-26
33
23
23
22
15
8
30
15-17
TERRITORY DEFINITIONS...................................................................................................................
T-1
North Dakota
North Star Mutual Ins. Co.
New Business 05-01-17
Renewals
05-01-17
COMMERCIAL AUTO
INTRODUCTION
The ISO Business Auto policy will be used to provide Commercial Auto coverage. We will generally write this
coverage only when we provide the customer’s Commercial Property and Liability insurance and there is no hauling
for hire exposure. The Commercial Auto program is designed to provide coverage for eligible Commercial Auto
insureds whose radius of use is within 200 miles of the place of garaging and whose regular operation is within the
six states (Iowa, Minnesota, Nebraska, North Dakota, Oklahoma and South Dakota) where North Star writes auto
policies.
APPLICATION PROCEDURE
The Business Auto ACORD application shall be used to apply for coverage for vehicles of the Commercial type.
When an application is prepared it shall be sent to our office the same day if coverage is to begin immediately. The
policy term begins at 12:01 A.M. at the address of the insured on the effective date; however, coverage will not
begin prior to the time the application is prepared. If coverage is bound, do not hold the application pending receipt
of additional information from the applicant. The application should be submitted with a notation indicating that
additional information will follow.
Applications should be completed in detail. All applications must be signed by the applicant and the agent. List all
drivers, including family members that will drive company vehicles, and employees who drive their own vehicles on
company business. This includes all full-time and part-time operators. An updated drivers list will be requested
periodically. When the policy covers private passenger type vehicles titled in the name of the business, and used
for personal use, the names and dates of birth for all household members, including children not of driving age must
be furnished on the application.
When an application is received and coverage is bound, a policy will be issued. If it is determined that the company
underwriting requirements are not met, the policy will be mailed and a cancellation notice issued with a pro rata
earned premium charged. Flat cancellations are not permitted.
If an agent wants to determine if an applicant is acceptable, he may submit a signed application, indicating
COVERAGE NOT BOUND, and we will conduct our underwriting review. It is important to furnish complete
information on the questionability of the applicant with the application. Upon completion of our review, we will advise
if the applicant is acceptable. The application will be retained in our office.
PREMIUM PROCEDURES
A. New Business
Premium payments must accompany all applications. The premiums can be prepaid (full policy amount
submitted with the application), or installment billed. Refer to the BILLING INFORMATION Section of the
manual for specific billing information. If the installment option is selected, the minimum down payment must
be submitted with the application.
B. Renewals
For policies not on the monthly billing option, a renewal billing notice will be sent 15 days prior to the renewal
effective date. The notice will indicate the total amount due and will also show the amount due for the installment
option.
C. Endorsements
If installments are remaining, the endorsement premium will be spread to future installment billings. If no
installments are remaining, a bill will be sent immediately.
Return premiums are made payable to the insured and sent to the insured.
North Dakota
North Star Mutual Ins. Co.
NSCA - 1
New Business 10-15-12
Renewals
10-15-12
PREMIUM PROCEDURES Continued
D. Down Payment Requirements
A minimum down payment of two months must be attached to all new applications.
E. All installment and renewal payments should be sent with the remittance portion of the billing notice to:
North Star Mutual
PO Box 48
Cottonwood MN 56229
F. Renewal premiums must be in our office on or before the due date indicated. If the agent receives the money
after the renewal date, he may bind coverage at the time he receives the money by preparing a new application.
Do not date the application back to the renewal date. It must be dated on or after the date the renewal premium
is received. The agent can bind coverage only by preparing a new application showing the date and time of day
payment is received, and promptly submitting it with the required down payment to our office. Show the prior
policy number of the application.
G. If the insured makes a change on the policy in the renewal period, it is important that the renewal premium
payment be received in our office to keep the policy from lapsing. The debit or credit endorsement will be
processed accordingly. It is important to timely pay the amount billed to keep the policy from lapsing.
H. Nonpayment
A second billing notice will not be issued. If payment is not received by the date due, the following notices will
be processed:
1. Renewals
A lapse notice will be sent one day after the renewal date.
2. Installments and Endorsements
A cancellation carry date will be established and a Final Premium/Cancellation Notice will be issued 23
days prior to the carry date.
I.
Bad Check Charge
Checks returned by the bank for insufficient funds or similar reasons will result in an NSF check charge.
COVERED AUTO DESIGNATION SYMBOLS
ISO’s Covered Auto Designation Symbols are used to indicate the autos that are covered autos in the policy. The
available coverage symbols are as follows:
5 = OWNED AUTOS SUBJECT TO NO-FAULT – Only those autos the insured owns that are required to
have No-Fault benefits in the state where they are licensed or principally garaged. This includes those
autos the insured acquires ownership of after the policy begins provided they are required to have NoFault benefits in the state where they are licensed or principally garaged.
6 = OWNED AUTOS SUBJECT TO A COMPULSORY UNINSURED MOTORIST LAW – Only those autos
the insured owns that because of the law in the state where they are licensed or principally garaged are
required to have and cannot reject Uninsured Motorists Coverage. This includes those autos the insured
acquires ownership of after the policy begins provided they are subject to the same state uninsured
motorists requirement.
7 = SPECIFICALLY DESCRIBED AUTOS – Only those autos described in Item Three of the Declarations
for which a premium charge is shown (and for Liability Coverage any trailers the insured does not own
while attached to any power unit described in Item Three).
North Dakota
North Star Mutual Ins. Co.
NSCA - 2
New Business 05-01-17
Renewals
05-01-17
COVERED AUTO DESIGNATION SYMBOLS Continued
8 = HIRED AUTOS ONLY – Only those autos the insured leases, hires, rents, or borrows. This does not
include any auto the insured leases, hires, rents, or borrows from any of the insured’s employees,
partners, members or members of their households.
9 = NONOWNED AUTOS ONLY – Only those autos the insured does not own, lease, hire, rent, or borrow
that are used in connection with the insured’s business. This includes autos owned by the insured’s
employees, partners, members or members of their households but only while used in the insured’s
business or personal affairs.
19 =
MOBILE EQUIPMENT SUBJECT TO COMPULSORY OR FINANCIAL RESPONSIBILITY OR OTHER
MOTOR VEHICLE INSURANCE LAWS – Only those autos that are land vehicles and that would qualify
under the definition of mobile equipment under the policy if they were not subject to a compulsory or
financial responsibility law or other motor vehicle insurance law where they are licensed or principally
garaged.
POLICY TERM
A. Policies will be written for a term of 1 year.
B. Policies will be renewed by renewal certificates. When renewal certificates are used, they must conform in every
respect to current rules, rates and forms at the time of renewal.
C. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only a Declarations,
new identification card(s), and forms that are new or revised. Policyholders may receive all policy forms upon
request.
D. Several rates in this manual are based on rates established in the Personal Auto program. Where indicated,
those rates should be multiplied by the following policy term factor:
Policy Term
Factor
2.00
ROUNDING PROCEDURE
The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided
by the policy.
A premium involving $0.50 or more shall be rounded to the next higher whole dollar.
This procedure shall apply to all interim premium adjustments, including endorsements or cancellations.
ADDITIONAL AND RETURN PREMIUM CHANGES
A. All changes requiring premium adjustments shall be computed pro rata.
B. North Star will waive additional premium of $5 or less. This waiver applies only to that portion of the premium
due on the effective date of the policy change.
C. North Star will waive return premium of $5 or less if the insured requests the following:
1. Cancellation of any coverage or exposure;
2. Reduction of limits of liability; or
3. Increase in deductible.
Except that return premium shall be returned at the request of the insured.
North Dakota
North Star Mutual Ins. Co.
NSCA - 3
New Business 05-01-17
Renewals
05-01-17
CANCELLATION/NONRENEWAL
A. Company
The company has the option to cancel or nonrenew the policy in accordance with State Statutes and Policy
Conditions by giving the required advance written notice. The unearned premium will be returned so as to be
received by the insured by the cancellation effective date.
B. Insured’s Request
The policy may be cancelled by the Named Insured by:
1. Surrendering the policy with the latest copy of the declarations page to the company or any of its authorized
agents; or
2. Mailing to the company written, signed notice stating on what date the cancellation shall be effective.
3. The unearned premium will be returned within 30 days after the cancellation request is received by the
company.
Backdating of the effective date is not permitted.
C. Pro Rata Cancellation
All policies cancelled by the company or at the Named Insureds request shall be cancelled on a pro rata basis.
RATING TERRITORIES AND FACTORS
A. The Territory Definitions pages contain the definition and code for each rating territory.
1. Each territory includes a specific area for rating purposes. The following provisions apply:
a. Any city, town, borough or village not mentioned within a defined territory, but falling within its
boundaries, shall take the rate for that territory.
b. If a city, town, borough or village extends into more than one territory, the rates for the higher rated
territory apply to the entire city, town, borough or village.
c. If a street or other public way serves as a dividing line between two territories, except when the public
way serves as a boundary line of any political subdivision such as a state, county, city, town, etc., the rates
applicable to the lower rated of the two territories shall apply to autos principally garaged on either side of the street.
2. The Territory Definitions pages also contain a List of Important Cities and Towns indicating the territories
to which they are assigned. Refer to a map to determine the rating territory for a town not listed.
B. Territory Factors
Territory
01
02
04
05
06
07
Bodily
Injury
1.00
0.95
0.98
0.98
0.98
0.98
North Dakota
North Star Mutual Ins. Co.
Property
Damage
1.00
0.95
1.00
0.97
0.95
0.98
Coverage
Basic Personal Comprehensive /
Injury
Specified Causes
Protection
Of Loss
1.00
1.00
0.98
1.10
1.00
1.01
0.96
0.97
0.98
0.88
1.00
1.10
NSCA - 4
Collision
1.00
0.94
0.85
0.87
0.80
0.94
Uninsured /
Underinsured
Motorists
1.00
1.00
0.90
0.90
0.97
1.00
New Business 05-01-17
Renewals
05-01-17
PREMIUM DEVELOPMENT – TRUCKS, TRACTORS & TRAILERS
A. This rule applies to all trucks, tractors and trailers which regularly operate within a 200-mile radius from the
street address of principal garaging. Refer to the Personal Auto Manual for rating private passenger type autos
used for business and for individually owned cars, pickups and vans not used in business. Do not bind coverage
on semi-tractors and trailers. They are eligible only when North Star provides insurance on the insured’s other
farm vehicles or private passenger autos.
B. Determination Of Classification Rating Factor And Class Code
Determine the classification rating factor and class code as follows:
1. Determine the primary rating factor based on size class, business use class and radius class.
2. Determine the secondary rating factor based on whether the risk is classified as fleet or non-fleet and driver
record points. The secondary factor does not apply to Trailers, Semi-Trailers or Service/Utility Trailers.
3. Determine the combined rating factor by adding the secondary rating factor to or subtracting it from the
primary rating factor.
C. Territory Determination
Determine the applicable territory from the Territory Definitions based on the street address of principal
garaging.
D. Premium Computation
1. Base Premium
a. Liability Coverages (Bodily Injury Liability and Property Damage Liability)
(1) The trucks, tractors and trailers base premiums are:
(a) 25,000/50,000 Bodily Injury = $98.00
(b) 25,000 Property Damage = $80.00
b. Physical Damage Coverages (Comprehensive and Collision)
(1) The trucks, tractors and trailers base premiums are:
(a) $100 Deductible Comprehensive = $192.40
(b) $250 Deductible Collision = $188.00
(c) Specified Causes Of Loss = $93.84
c. No-Fault Coverages
(1) Basic Personal Injury Protection
(a) The trucks, tractors and trailers base premiums are:
(i) Personal Injury not Covered By Workers Compensation = $28.60
(ii) Personal Injury Covered By Workers Compensation = $16.00
(2) Additional Personal Injury Protection
(a) The trucks, tractors and trailers base premium is:
(i) Option 1 Personal Injury not Covered By Workers Compensation = $6.00
(ii) Option 1 Personal Injury Covered By Workers Compensation = $4.00
d. Uninsured Motorists Insurance And Underinsured Motorists Insurance
(1) The trucks and tractors base premiums are:
(a) 25,000/50,000 Uninsured Motorists = $18.00
(b) 25,000/50,000 Underinsured Motorists = $22.00
North Dakota
North Star Mutual Ins. Co.
NSCA - 5
New Business 05-01-17
Renewals
05-01-17
PREMIUM DEVELOPMENT – TRUCKS, TRACTORS & TRAILERS Continued
2. Premium Computation Table
North Dakota Premium Computation Table
(After each calculation, round to the nearest whole dollar
Other
Basic
Add'l
Calculation Step
Liability
than
Collision
PIP
PIP
Collision
x
x
x
x
x
Base Premium
x
x
x Age Group Factor
x
x
x Original Cost New Factor
x
x
x
x
x Territory Factor
x Physical Damage Coverage Deductible
x
x
Factor
1.25
x Load Dumping Factor
x
x Add'l PIP Increased Limits Factor
x UM/UIM Increased Limits Factor
x
x Liability Increased Limit Factor
x
x
x
x
x
x Primary/Secondary Combined Rating Factor
x
x
x Passive Restraints Discount Factor
x Commercial Companion Policy Discount
x
x
x
x
x
Factor
x
x Anti-Theft Discount
x
x
x
x
x
x Insurance Score Factor
x
x
x
x
x
x IRPM Factor
If a particular rating item is not applicable for a particular coverage or vehicle, go to the next step.
UM/UIM
x
x
x
x
x
3. Stated Amount Rating
Refer to Physical Damage Coverage Rating Procedures.
North Dakota
North Star Mutual Ins. Co.
NSCA - 6
New Business 10-15-12
Renewals
10-15-12
CLASSIFICATIONS
Classify trucks, tractors and trailers for liability and physical damage coverages as follows:
A. Primary Classifications
1. Vehicle Weight
Gross vehicle weight (GVW) and gross combination weight (GCW) mean:
a. Gross Vehicle Weight
The maximum loaded weight for which a single auto is designed, as specified by the manufacturer.
b. Gross Combination Weight
The maximum loaded weight for a combination truck-tractor and semi-trailer or trailer for which the
truck-tractor is designed, as specified by the manufacturer.
2. Size Class
a. Light Trucks
Trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. This includes all pickup
trucks.
b. Medium Trucks
Trucks that have a gross vehicle weight (GVW) of 10,001-20,000 pounds.
c. Heavy Trucks
Trucks that have a gross vehicle weight (GVW) of 20,001-45,000 pounds.
d. Extra-Heavy Trucks
Trucks that have a gross vehicle weight (GVW) of over 45,000 pounds.
e. Semi-Tractors
A semi-tractor is a motorized auto without body for carrying commodities or materials, equipped with
fifth wheel coupling device for semi-trailers. An extra-heavy semi-tractor has a gross combination
weight (GCW) over 45,000 pounds.
f.
Semi-trailers
A semi-trailer is a trailer equipped with a 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 semi-trailers.
g. Trailers
Any trailer with a load capacity over 2,000 pounds, other than a semi-trailer.
h. Service Or Utility Trailer
Any trailer or semi-trailer with a 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 unless 80% of the
use is in a lower rated activity. In that case, use the lower rated classification.
a. Service Use
Autos used for transporting the insured’s personnel, tools, equipment and incidental supplies to or from
a job location. This classification is confined to autos principally parked at job locations for the majority
of the working day or used to transport supervisory personnel between job locations.
b. Retail Use
Autos used to pick up property from or deliver property to individual households.
North Dakota
North Star Mutual Ins. Co.
NSCA - 7
New Business 05-01-15
Renewals
05-01-15
CLASSIFICATIONS Continued
c. Commercial Use
Autos used for transporting property other than those autos defined as service or retail.
d. Farm Use
Autos used for farming or ranching.
e. Beet/Potato/Specialty Use
Autos used for hauling beets or potatoes or other specialty property types.
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 regularly 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 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. Vehicles in this classification are ineligible.
B. Secondary Classifications
Refer to Safe Driver Insurance Plan and Fleet Discount sections of this manual.
PRIVATE PASSENGER TYPES
A. Private passenger rating from the Personal Auto Manual applies. The underwriting requirements for these
vehicles will be similar to the requirements for Personal Auto coverage. Private passenger vehicles titled in an
individual’s name should be submitted on the ACORD Personal Auto Application and written on the Personal
Auto Policy.
B. Multiply the rate developed in A. by the policy term factor for each coverage type.
FARM VEHICLES
A. Private passenger type autos, pickups and vans owned by an individual, husband and wife (or equivalent)
resident in the same household, or a family farm partnership or corporation and not used in any occupation
other than farming or ranching are eligible. Refer to the Personal Auto Manual for rating.
B. Multiply the rate developed in A. by the policy term factor for each coverage type.
ROADSIDE ASISTANCE COVERAGE
A. Coverage may be provided for roadside assistance and trip interruption costs resulting from the disablement of
a private passenger type vehicle as designated in the declarations
This coverage is available to private passenger autos, recreational trailers, and motor homes only. Refer to
Personal Auto Manual for rating.
B. Multiply the rate developed in A. by the policy term factor.
ANTIQUE AUTOS
CA 99 28
A. For private passenger type automobiles, refer to the Personal Auto Manual for rules and rating. Use Stated
Amount Insurance Endorsement CA 99 28 instead of PP 03 23.
B. Multiply the rate developed in A. by the policy term factor for each coverage type.
North Dakota
North Star Mutual Ins. Co.
NSCA - 8
New Business 05-01-17
Renewals
05-01-17
FUNERAL DIRECTORS
CA 20 18
A. Eligibility
1. This rule applies to autos owned or used by a funeral director.
2. The policy must exclude coverage for bodily injury or property damage which results from providing or
failing to provide any professional service. Use Professional Services Not Covered Endorsement
CA 20 18.
B. Premium Computation
1. Limousines - (Class Code 7910000)
a. For liability and personal injury protection coverages, multiply the trucks, tractors or trailers base
premiums by 0.60.
b. For physical damage, multiply the trucks, trailers and semi-trailers base premiums by 0.55 for
Comprehensive Coverage and by 0.50 for Collision Coverage.
2. Hearses And Flower Cars - (Class Code 7920000)
a. For liability and personal injury protection coverages, multiply the trucks, tractors or trailers base
premiums by 0.55.
b. For physical damage, multiply the trucks, trailers and semi-trailers base premiums by 0.50 for
Comprehensive Coverage and by 0.45 for Collision Coverage.
3. Combination Hearses and Ambulances are ineligible.
4. Autos Used For Other Purposes – refer to Home Office Commercial Auto Underwriter.
MOBILE HOMES
CA 99 28
A. Motor homes and pickup trucks used only to transport camper bodies should be rated according to the Personal
Auto Manual. Use Stated Amount Insurance Endorsement CA 99 28.
B. Multiply the rate developed in A. by the policy term factor for each coverage type.
MOBILE EQUIPMENT
There are a few options available to insure mobile equipment. In order to avoid gaps in insurance coverage with
respect to mobile equipment, listed below are insurance options depending on the insured’s needs.
A. Insuring Mobile Equipment Using Inland Marine
Generally, mobile equipment may be insured according to our Inland Marine Manual under the following
circumstances:
1. The mobile equipment is not self-propelled or is self-propelled and is not subject to state compulsory or
financial responsibility laws;
2. Liability for the transportation of the mobile equipment is covered under the Business Auto Coverage Form
CA 00 01; and
3. Liability for the operation of the mobile equipment is covered under the insured’s Commercial General
Liability policy.
Use the rates, rules and forms according to our Inland Marine Manual.
North Dakota
North Star Mutual Ins. Co.
NSCA - 9
New Business 05-01-17
Renewals
05-01-17
MOBILE EQUIPMENT Continued
B. Insuring Mobile Equipment Using Commercial Auto
1. Business Auto Coverage Form CA 00 01
Mobile equipment may need to be insured under the Business Auto Coverage Form CA 00 01 if the mobile
equipment is subject to state compulsory or financial responsibility laws.
a. Liability and Basic No Fault Coverages
Refer to Home Office Underwriter for eligibility and rating.
b. Physical Damage Coverages
The premium for such mobile equipment is determined on a stated amount basis.
2. Mobile Equipment Endorsement CA 20 15
a. Application
Mobile equipment may be insured using the Mobile Equipment Endorsement CA 20 15 under the
following circumstances:
(1) The mobile equipment is not subject to state compulsory or financial responsibility laws;
(2) The mobile equipment is not covered under the Business Auto Coverage Form CA 00 01; and
(3) Liability for the operation of the mobile equipment is not covered under the insured’s Commercial
General Liability policy.
b. Premium Determination
(1) Liability and Basic No Fault Coverages
Refer to Home Office Underwriter for eligibility and rating.
(2) Physical Damage Coverages
The premium for such mobile equipment is determined on a stated amount basis.
DRIVE OTHER CAR COVERAGE
CA 99 10
A. Provides coverage to specifically named individuals (and their spouses) who do not own an auto but require
coverage while they are using a non-owned private passenger type auto for their own personal use.
B. Drive other car coverage may not be necessary if the individual insures a private passenger automobile on a
Personal Auto Policy. Endorse a policy covering an individually owned auto that is used in the business with
the appropriate Named Individual Insured Endorsement.
C. The limits and deductibles for this coverage must follow the policy limits and deductibles.
D. Premium Development - (Code 9020000)
1. Base Rates
Coverage for a named individual may be written at the following rates:
Coverage
Bodily Injury Liability
Property Damage Liability
Comprehensive
Collision
Uninsured Motorist
Underinsured Motorist
Personal Injury Protection
Limits (000’s)
25/50
25
$100 Deductible
$250 Deductible
25/50
25/50
Basic
Premium Per
Named Individual
$26
12
10
22
60% of the basic truck rate
60% of the basic truck rate
100% of the basic truck rate
Apply the Commercial Companion Policy Discount and Insurance Score factor.
North Dakota
North Star Mutual Ins. Co.
NSCA - 10
New Business 05-01-17
Renewals
05-01-17
DRIVE OTHER CAR COVERAGE Continued
2. Increased Limits And Optional Deductibles
a. Bodily Injury And Property Damage Increased Limits
Refer to Increased Liability Limits section for factors.
b. Comprehensive/Collision Deductibles
Refer to Deductible Insurance section for factors.
c. Uninsured And Underinsured Motorists Increased Limits
For higher UM/UIM limits use 60% of the basic truck rate at the higher limit rate.
d. Personal Injury Protection Increased Limits
For higher PIP limits use 100% of the basic truck rate at the higher limit rate.
NON-OWNERSHIP LIABILITY
A. Coverage for Non-Ownership Liability may be added for autos not owned, leased, hired, rented, or borrowed
which are used in connection with the insured’s business.
B. If more than 50% of the insured’s employees regularly operate their autos in the insured’s business, refer to the
Home Office Commercial Auto Underwriter for eligibility and rating.
C. Premium Development
For all risks other than social service agency risks defined as public transportation:
1. Determine the total number of employees of the insured at all locations and select the advance premium
from the table below:
Limit
No. of Employees
0-25
26-100
101-500
BODILY INJURY
25,000/50,000
PROPERTY DAMAGE
25,000
24.00
54.00
154.00
12.00
22.00
88.00
For increased limits, multiply base rates by Increased Liability Limits factors.
2. Apply Commercial Companion Policy Discount and IRPM.
D. For partnership as the named insured:
When non-ownership liability coverage is provided, the coverage form provides coverage to a partnership for
the use of autos owned by individual partners which are used in the business of the partnership.
Multiply the truck rates by 10% for each active or inactive partner for the territory in which the partnership is
located. Apply this rating base regardless of the type of autos being used. Add this amount to the premium
developed above.
North Dakota
North Star Mutual Ins. Co.
NSCA - 11
New Business 05-01-17
Renewals
05-01-17
NON-OWNERSHIP LIABILITY Continued
E. Non-ownership ineligible risks include:
1.
2.
3.
4.
5.
Clubs;
Prepared food house-to-house delivery;
Taverns;
Social Service Agencies; and
Garages.
F. To extend non-ownership liability coverage to cover the individual liability of employees while using their autos
in the employer’s business, compute the additional premium by multiplying the premium determined in
accordance with preceding Paragraph C., by 25%. Use Employees As Insureds Endorsement CA 99 33.
G. Earned Premium
Unless there is a substantial change in exposures during the policy period, the advance premium is the earned
premium.
HIRED AUTOS
CA 20 01, CA 20 54, CA 99 47
A. Specified Auto Basis
1. If an insured lessee or renter is providing the primary insurance covering the auto and the term of the lease
or agreement is:
a. For 6 months or more:
(1) Rate as though owned by the insured lessee or renter; and
(2) If the policy is extended to cover the owner of the auto as an additional insured, multiply the
otherwise applicable liability rate by 1.04. Use Lessor – Additional Insured And Loss Payee
CA 20 01.
b. For less than 6 months:
Refer to the Home Office Commercial Auto Underwriter.
2. If the owner of the auto is providing the primary insurance, rate according to Paragraph B. below.
3. If the lessor is an employee of the insured, use Employee As Lessor Endorsement CA 99 47.
4. If an employee rents or hires an auto in his or her own name for the purposes of performing duties related
to the insured’s business, use Employee Hired Autos Endorsement CA 20 54.
B. Cost Of Hire Basis – Liability And Physical Damage Coverages
1. Cost of hire means the total amount incurred by the insured for the leasing and hiring of autos that the
insured does not own. Cost of hire does not include charges incurred for:
a. Autos that are leased, hired, rented or borrowed from any of the insured’s employees, partners,
members (if the insured is a limited liability company) or members of their households; or
b. Services performed by motor carriers of property or passengers.
2. Liability – Premium Computation
a. Estimate the total annual cost for the hire of autos for each state where the insured is expected to hire
autos. (Vehicles leased, hired, rented or borrowed with drivers are ineligible).
b. To compute the advance premium, multiply the cost of hire rate in the rate table below times each $100
cost of hire in each state. Add the total cost of hire premium for all states.
Rate Per Each $100
Annual Cost Of Hire
Bodily Injury Liability 25/50 Limit
Property Damage Liability 25,000 Limit
$0.70
0.50
Apply the Commercial Companion Policy Discount and Insurance Score factor
North Dakota
North Star Mutual Ins. Co.
NSCA - 12
New Business 05-01-17
Renewals
05-01-17
HIRED AUTOS Continued
CA 20 01, CA 20 54, CA 99 47
c. Unless there is substantial change in exposures during the policy period, the advance premium is the
earned premium.
d. To determine the premium for limits above the state minimum financial responsibility limits, multiply the
premium by the appropriate factor shown in the Increased Liability Limits section.
3. Physical Damage – Premium Computation
Physical Damage coverage may be provided for autos which are leased, hired, rented or borrowed while
being operated by or in the custody of the insured, but does not apply to autos which are leased, hired,
rented or borrowed with drivers or from any of the insured’s employees, partners, members (if the insured
is a limited liability company) or members of their households.
Use Employee Hired Autos Endorsement CA 20 54 for coverage if an employee rents or hires a vehicle in
his or her own name for the purposes of performing duties related to the insured’s business.
a. Estimate the total cost for the hire of autos for each state where the insured is expected to hire autos.
Do not include charges for any auto that is leased, hired, rented or borrowed with a driver or from any
of the insured’s employees, partners, members (if the insured is a limited liability company) or members
of their households.
b. To compute the advance premium for each state where the insured does business, multiply each $100
estimated annual cost of hire by the rates shown in the table below for each coverage. Add the total
cost of hire premium for all states.
Comprehensive
$ 100 Deductible
250 Deductible
500 Deductible
1,000 Deductible
1,500 Deductible
2,000 Deductible
2,500 Deductible
Rate Per Each $100
Annual Cost Of Hire
$0.78
0.66
0.54
0.42
0.34
0.30
0.28
Collision
$ 250 Deductible
500 Deductible
1,000 Deductible
1,500 Deductible
2,000 Deductible
2,500 Deductible
$1.22
1.14
0.98
0.90
0.84
0.80
Apply the Commercial Companion Policy Discount and Insurance Score factor.
c. Unless there is substantial change in exposures during the policy period, the advance premium is the
earned premium.
INDIVIDUAL AS THE NAMED INSURED
CA 99 17
A policy issued to an individual named insured may be endorsed with the Individual As Named Insured
Endorsement.
Family drive other car coverage may be provided at no additional charge if the policy covers:
A. A private passenger auto not used for public transportation or rented to others without a driver.
B. A pickup, panel truck or van that is not used in the business of the insured other than for farming or ranching.
North Dakota
North Star Mutual Ins. Co.
NSCA - 13
New Business 05-01-17
Renewals
05-01-17
PERSONAL INJURY PROTECTION COVERAGE
A. Personal Injury Protection (PIP)
This coverage must be provided on every auto and trailer having more than three load-bearing wheels designed
primarily for use upon public streets, roads and highways and driven by power other than muscular power.
B. Basic Personal Injury Protection
CA 22 34
Regardless of the number of persons insured, policies or approved self-insurance applicable, premiums paid,
claims made or covered autos to which this coverage applies, the Company's liability for personal injury
protection benefits with respect to bodily injury sustained by any one insured in any one auto accident shall not
exceed $30,000 in the aggregate, and subject to such aggregate:
Medical Expenses and Rehabilitation Expense
Work Loss or Survivors' Income Loss
Replacement Services Loss or Survivors' Replacement Services Loss
Funeral Expenses
$20,000
$150 per week
$15 per day
$3,500
Refer to the North Dakota Personal Injury Protection Endorsement for explanation of coverages.
Refer to Premium Development – Trucks, Tractors & Trailers for Basic PIP premiums.
C. Additional Personal Injury Protection
CA 22 35
This coverage must be made available to individual named insureds who are insured for Personal Injury
Protection coverage. If the offer was originally rejected by the named insured, it need not be offered to the
named insured upon renewal. Added PIP packages containing various additional benefits are indicated below.
1. Additional PIP Coverage Options
Option
1
2
3
4
Added
Aggregate
Limits
$10,000
50,000
70,000
80,000
Added Work Loss
or Added Survivors’
Income Loss
$100 per week
200 per week
200 per week
200 per week
Added Replacement
Services or Survivors’
Replacement Services
----$10 per day
10 per day
10 per day
Added
Funeral
Expenses
----$1,000
1,000
1,000
Rating
Factor
1.00
3.90
5.20
5.50
2. Refer to the North Dakota Added Personal Injury Protection Endorsement for explanation of coverages.
3. Refer to Premium Development – Trucks, Tractors & Trailers for the Option 1 premium. For higher limits
premiums, use the above rating factors.
D. Broadened Personal Injury Protection Coverage For Named Individuals
CA 22 01
1. An individual who regularly uses the insured auto may be provided Personal Injury Protection by naming
the individual as a named insured. Charge 50% of the premium for each named individual.
2. Additional Personal Injury Protection Coverage may also be provided to the named insured. Charge 50%
of the premium for each named individual. If Additional PIP coverage is provided on more than one vehicle
on the policy, charge the highest single vehicle Additional PIP premium to each named individual.
North Dakota
North Star Mutual Ins. Co.
NSCA - 14
New Business 05-01-17
Renewals
05-01-17
AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT – ADDED LIMITS
CA 99 60
A. For vehicles written on an actual cash value basis, a $1,000 sub-limit for physical damage coverage is provided
to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time
of loss, is:
1. Permanently installed in or upon the covered auto in a housing, opening or other location that is not normally
used by the auto manufacturer for the installation of such equipment;
2. Removable from a permanently installed housing unit or is an integral part of that equipment; or
3. An integral part of such equipment.
Such equipment does not include equipment designed or used for detection or location of radar. Coverage is
not available for radar detection equipment.
This $1,000 limit may be increased. Form CA 99 60 is not applicable to vehicles written on a stated amount
basis, as the sub-limit does not apply to such vehicles.
B. Premium Development
1. Determine the amount of additional coverage needed for covered equipment above the included $1,000.
2. Select the premium from the table below independently for each covered auto:
Added Limits For
Audio, Visual And Data
Electronic Equipment
$ 500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
Over 4,000
Premium
$ 70
100
130
160
190
220
250
280
Refer to Company
Apply the Commercial Companion Policy Discount.
TAPES, RECORDS AND DISCS COVERAGE
CA 99 30
A. Provides comprehensive coverage for $200 worth of tapes, records, discs and other similar devices used with
permanently installed audio, visual or data electronic equipment.
B. Charge $16 per auto.
UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE
CA 21 83, CA 21 02, CA 21 86, CA 21 51
A. Application
1. Uninsured Motorists Coverage
Uninsured Motorists Bodily Injury Coverage must be provided for vehicles weighing 20,000 lbs. or less, in
amounts at least equal to the Financial Responsibility limits for bodily injury liability per accident. For
vehicles weighing more than 20,000 lbs., the offer of Uninsured Motorists Coverage is optional. If the
Company decides to offer Uninsured Motorists Coverage on vehicles weighing more than 20,000 lbs., then
the insured shall have the right to reject it. At the request of the named insured, or applicant for insurance,
increased limits shall be made available, but need not exceed the bodily injury liability limits of the policy or
$300,000 bodily injury liability, whichever is less. Use North Dakota Uninsured Motorists Coverage
Endorsement CA 21 83. For split limits, also use Split Bodily Injury Uninsured Motorists Coverage Limits
Endorsement CA 21 02. Uninsured Motorists Coverage does not provide coverage for property damage.
North Dakota
North Star Mutual Ins. Co.
NSCA - 15
New Business 05-01-17
Renewals
05-01-17
UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE
Continued CA 21 83, CA 21 02, CA 21 86, CA 21 51
2. Underinsured Motorists Coverage
Underinsured Motorists Bodily Injury Coverage must be provided for vehicles weighing 20,000 lbs. or less,
in amounts equal to the limit of Uninsured Motorists Coverage. For vehicles weighing more than 20,000
lbs., the offer of Underinsured Motorists Bodily Injury Coverage is optional. If the Company decides to offer
Underinsured Motorists Coverage on vehicles weighing more than 20,000 lbs., then the insured shall have
the right to reject it. Use North Dakota Underinsured Motorists Coverage Endorsement CA 21 86. For split
limits, also use Split Bodily Injury Underinsured Motorists Coverage Limits Endorsement CA 21 51.
Underinsured Motorists Coverage does not provide coverage for property damage.
B. Limits
1. Minimum Limits are 25/50.
2. Increased Limits
a. The insured must be offered limits equal to but not greater than the Bodily Injury Liability limits carried.
b. The insured may choose lower limits, but not less than the minimum limits shown above.
c. A Combined Single Limit (CSL) coverage is available. If CSL UM/UIM coverage is provided, Liability
coverage must also be provided on a CSL basis.
C. Premium Development
1. Private Passenger Type Vehicles
Split Limits – Basic and Increased Limits Uninsured and Underinsured Motorists Coverage
1) Refer to the Personal Auto Manual for rating private passenger type autos.
2) Multiply the rate developed in 1) by the policy term factor.
2. Other Than Private Passenger Types and Garage Risks.
a. The base premiums are shown in Premium Development – Trucks, Tractors & Trailers.
b. Apply the appropriate limit factor from the table below:
Limit
(000’s)
25/50
50/100
100/300
300/300
250/500
500/500
Factors
Uninsured
Underinsured
Motorists
Motorists
1.00
1.00
1.22
1.22
1.40
1.40
1.62
1.62
1.68
1.68
2.00
2.00
c. The premiums are not subject to modification under the provisions of any rating plan except for the
Commercial Companion Policy Discount and Insurance Score.
d. Do not charge a premium for the following:
1) Trailers;
2) Hired and non-owned autos; or
3) Owned vehicles which have not been assigned registration plates (such as Auto Dealers’
Inventory).
North Dakota
North Star Mutual Ins. Co.
NSCA - 16
New Business 05-01-17
Renewals
05-01-17
UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE
CA 21 83, CA 21 02, CA 21 86, CA 21 51 Continued
3. Combined Single Limit Uninsured and Underinsured Motorists Coverage
a. For private passenger type autos:
1) Refer to the Personal Auto Manual for UM & UIM base rates
2) Multiply the rate from 1) by the Private Passenger Factor for UM or UIM, as applicable.
b. For Other Than Private Passenger Types and Garage Risks:
1) The base premiums are shown in Premium Development – Trucks, Tractors & Trailers.
2) Multiply the rate from 1) by the Truck-Tractor Factor for UM or UIM, as applicable.
UM CSL Factor
CSL
Limit
(000’s)
100
300
500
750
1,000
North Dakota
North Star Mutual Ins. Co.
Private
Passenger
Factor
1.19
1.63
1.95
2.22
2.29
UIM CSL Factor
TruckTractor
Factor
1.19
1.58
1.95
2.22
2.30
NSCA - 17
CSL
Limit
(000’s)
100
300
500
750
1,000
Private
Passenger
Factor
1.15
1.60
1.95
2.22
2.29
TruckTractor
Factor
1.19
1.58
1.95
2.22
2.30
New Business 05-01-17
Renewals
05-01-17
DEDUCTIBLE INSURANCE
A. Liability Coverage
Deductible Liability Insurance is not available for vehicles classified and rated according to the rules of this
manual.
B. Physical Damage Coverages
For deductibles for which no premium is shown, compute the premium by multiplying the base deductible rate
by the appropriate factor in the following table:
Deductible
Comprehensive Factors
$ 100
250
500
1,000
1,500
2,000
2,500
C. Specified Causes of Loss Perils include:
1.
2.
3.
4.
5.
6.
D.
1.00
0.90
0.80
0.70
0.60
0.55
0.50
Collision Factors
1.05
1.00
0.95
0.85
0.75
0.70
0.65
Fire, lightning or explosion;
Theft;
Windstorm, hail, or earthquake;
Flood;
Mischief or vandalism; or
The sinking, burning, collision or derailment of any conveyance transporting the covered auto.
Common Loss Deductible
CF-2162
In the event that a covered loss occurs as a result of one occurrence to property covered under more than one
policy insured with North Star Mutual, only the highest applicable deductible will apply, regardless of the
number of covered property items damaged or destroyed.
The applicable North Star Mutual policies to which this provision applies are:
1.
2.
3.
4.
Homeowners;
Farmowners;
Personal Automobile;
Commercial Automobile (applies only to vehicles indicated on the Commercial Automobile declarations as
“Farm Use”);
5. Mobile-Homeowners; and
6. Inland Marine.
This provision will not apply:
1. to property rented to others for a fee when that property is insured on a separate policy than the insured’s
owner-occupied property;
2. if the total loss is less than the highest deductible; or
3. if it is in the insured’s benefit that separate deductibles be applied.
North Dakota
North Star Mutual Ins. Co.
NSCA - 18
New Business 05-01-17
Renewals
05-01-17
FINANCIAL RESPONSIBILITY LAWS – CERTIFICATION
A. Financial Responsibility Filings required by the various states normally will not be made by North Star since,
in most cases, a person requiring such a filing will not be eligible for coverage.
B. The state requires the filing of a Financial Responsibility Certificate (SR-22) when the auto insurance policy
serves as the required evidence of financial responsibility following conviction on traffic code violations or upon
failure to satisfy judgment arising out of a motor vehicle accident.
C. Certificates can be issued only by the North Star Home Office, and then only if complete information concerning
the reason for the filing is submitted by the agent. The request for the certificate must clearly identify the person
for whom the company will be making the filing. A Financial Responsibility Certificate will not be issued unless
all autos owned by the applicant are insured by North Star.
D. One (SDIP) Safe Driving Record Point shall be applied if a filing is made.
INCREASED LIABILITY LIMITS
Liability Coverages will be written on a split limit basis. The State Minimum Requirement for Bodily Injury Liability is
25,000/50,000. The State Minimum Requirement for Property Damage Liability is 25,000. For higher limits, multiply
the base rates by the factors shown in the table below.
Split Liability Limits
BI Limits (000’s)
*
25/50
50/100
100/300
300/300
250/500
**500/500
Factor
PD Limits
1.00
1.23
1.44
1.63
1.70
1.89
* 25,000
50,000
100,000
**250,000
**500,000
Factor
1.00
1.06
1.12
1.35
1.43
* State Minimum Requirement
** Do Not Bind Coverage. Refer to the Home Office for eligibility.
Combined Single Limit Coverage is available. To calculate the rate:
a. For private passenger type autos:
1) Refer to the Personal Auto Manual for BI & PD base rates;
2) Multiply the individual base rates by the applicable CSL limit factor from the table below.
3) Add the results from 2) to arrive at the CSL Increased Limit rate.
b. For Other Than Private Passenger Types and Garage Risks:
1) The base premiums are shown in Premium Development – Trucks, Tractors & Trailers.
2) Multiply the individual base rates by the applicable CSL limit factor from the table below.
3) Add the results from 2) to arrive at the CSL Increased Limit rate.
BI/PD CSL Factor
BI/PD CSL Limit
100,000
300,000
500,000
750,000
1,000,000
North Dakota
North Star Mutual Ins. Co.
Private Passenger
Factor
BI
PD
1.199
1.034
1.404
1.092
1.638
1.316
1.901
1.316
1.901
1.394
NSCA - 19
Truck-Tractor Factor
BI
1.199
1.404
1.589
1.843
1.843
PD
1.034
1.092
1.316
1.316
1.394
New Business 05-01-17
Renewals
05-01-17
PHYSICAL DAMAGE COVERAGE RATING PROCEDURES
A. Private Passenger Vehicles
1. Refer to the Personal Auto Manual.
2. Multiply the rates developed in 1. above by the policy term factor.
B. Commercial Rated Vehicles
Physical damage coverages are provided on an actual cash value or stated amount basis.
1. Actual Cash Value Premiums
a. Actual Cash Value
Actual cash value premiums are based on original cost new and age group of the vehicle.
b. Original Cost New
(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 a factor of
1.33.
(3) Original Cost New Factors
Comprehensive /
Category
Price Range
Specified Causes Of Loss
Collision
1-OCN
$
0 4,500
0.40
0.46
2-OCN
4,501 6,000
0.50
0.56
3-OCN
6,001 8,000
0.60
0.66
4-OCN
8,001 - 10,000
0.70
0.76
5-OCN
10,001 - 15,000
0.90
0.96
6-OCN
15,001 - 20,000
1.00
1.00
7-OCN
20,001 - 25,000
1.10
1.16
8-OCN
25,001 - 40,000
1.40
1.46
9-OCN
40,001 - 65,000
1.75
2.06
10-OCN
65,001 - 90,000
2.50
2.81
11-OCN
90,001 - 150,000
2.75
3.06
c. Age Group
(1) Determine the age group as follows:
Age Group and Code
Autos
1
2
3
4
5
6
7
8
9
10
11
12
Current model year
1st Preceding Model Year
2nd Preceding Model Year
3rd Preceding Model Year
4th Preceding Model Year
5th Preceding Model Year
6th Preceding Model year
7th Preceding Model year
8th Preceding Model year
9th Preceding Model Year
10th Preceding Model Year
th
11 Preceding Model Year or More
(2) The current model year changes October 1, regardless of the actual date the models are
introduced.
(3) For rebuilt or structurally altered autos, the age of the chassis determines the age of the auto.
North Dakota
North Star Mutual Ins. Co.
NSCA - 20
New Business 05-01-17
Renewals
05-01-17
PHYSICAL DAMAGE COVERAGE RATING PROCEDURES Continued
(4) Age Group Factors
Comprehensive /
Age Group Specified Causes Of Loss
1
1.00
2
1.00
3
1.00
4
0.95
5
0.90
6
0.80
7
0.80
8
0.76
9
0.72
10
0.68
11
0.64
12
0.60
d. Premium Development
Collision
1.00
1.00
1.00
0.85
0.80
0.70
0.70
0.66
0.62
0.58
0.55
0.52
Refer to Paragraph D.2. of the Premium Development – Trucks, Tractors & Trailers section for
development of physical damage premiums.
2. Stated Amount Basis
CA 99 28
For those autos which may be written on a stated amount basis, determine the premium as follows:
a. Determine the stated amount rate for the desired physical damage coverage as follows:
(1) Determine the actual cash value base premium for $15,001 – 20,000 Age Group 1 using the trucks,
tractors and trailers premiums.
(2) Multiply the actual cash value base premium by the applicable physical damage coverage factor
below:
Stated Amount –
Vehicle Value Range
$
1 - 10,000
10,001 - 15,000
15,001 - 20,000
20,001 - 25,000
25,001 - 40,000
40,001 - 65,000
65,001 - 90,000
Over 90,000
Comprehensive & Specified
Causes Of Loss
.009
.007
.006
.005
.004
.003
.002
.002
Collision
.009
.007
.006
.005
.004
.004
.003
.003
b. Multiply the result of Paragraph B.2.a. by the actual stated amount of insurance per $100.
c. Apply the Primary and Secondary Rating Factors.
d. Apply the Commercial Companion Policy Discount and Insurance Score factor.
3. Service/Utility Trailer (0-2000 Lb. Load Capacity)
Refer to Service/Utility Trailer (0-2000 Lb. Load Capacity) section.
4. Physical Damage Coverage On Vehicles Ten Years Old Or Older
Physical damage coverage on vehicles 10 through 14 years of age may be written with the following
minimum deductibles:
Comprehensive
Collision
$250
$500
Do not bind coverage on vehicles 15 years old or older. Additional consideration may be secured from the
Home Office Commercial Auto Underwriter. A photograph may be required.
North Dakota
North Star Mutual Ins. Co.
NSCA - 21
New Business 05-01-17
Renewals
05-01-17
SUSPENSION
CA 02 40
A. This rule does not apply to the following types of risks:
1. Risks for which a certificate has been filed in accordance with a financial responsibility law.
2. Risks subject to the requirements of any state or federal authority regulating motor carriers of passengers
or property.
3. Any other risks subject to compulsory insurance laws.
B. Insurance may be suspended only for liability, uninsured/underinsured motorists and collision coverages and
for periods of at least 30 days. Use Suspension Of Insurance Endorsement CA 02 40.
C. Suspension becomes effective on the date requested by the insured or the date the company or any of its
authorized representatives receives the request.
D. For autos subject to No-fault, Liability and Personal Injury Protection coverages may be suspended at the option
of the named insured if the named insured notifies the insurer that the owned auto will not be operated on public
roads or highways during the period of not less than 30 consecutive days. At the option of the named insured,
no-fault coverages may be suspended for owned autos only, in which case return half the pro rata premium.
E. Prorate the return premium for the period of suspension.
F. If the insured requests, reinstate the policy. Reinstatement must become effective on the day the company or
any of its authorized agents receives the insured’s request.
G. If the insurance for all owned autos has been suspended, other coverages may continue where there is a
separate premium such as non-ownership liability, hired autos on a cost of hire basis and drive other car
coverage.
AUTO LOAN/LEASE GAP COVERAGE
CA 20 71
A. This rule applies to autos that are loaned or leased for a period of six months or longer and which have been
provided Physical Damage Coverage.
B. A policy providing Physical Damage Coverage may be extended to provide coverage for the difference between
the outstanding indebtedness on a loan/lease agreement on a vehicle and the actual cash value of the vehicle.
Use Auto Loan/Lease GAP Coverage Endorsement CA 20 71.
C. The premium for Auto/Loan Lease GAP Coverage is computed by multiplying the Physical Damage Coverage
premiums by a factor of 0.07.
RENTAL VEHICLE COVERAGE - PRIVATE PASSENGER AUTOS CA 01 73
A. Rental Vehicle Coverage for private passenger autos may be provided on all automobile policies covering at
least one private passenger auto. Use North Dakota Changes - Rental Vehicle Coverage - Private Passenger
Autos Endorsement CA 01 73. This endorsement covers all of the insured's contractual obligations for damage
and loss of use to a rented private passenger auto that is:
1. Not rented for longer than 30 continuous days;
2. Not used for transporting persons or property for hire; and
3. Rented or leased without a driver.
For the purposes of this coverage, “private passenger auto” means a motor vehicle of the private passenger,
pickup truck or van type, not used for business purposes, other than farming or ranching.
B. Premium Development
1. The Rental Vehicle Liability Coverage Limit is $25,000.
2. The charge for Rental Vehicle Liability Coverage is $26.
3. The premium is considered fully earned when written.
North Dakota
North Star Mutual Ins. Co.
NSCA - 22
New Business 05-01-17
Renewals
05-01-17
SPECIAL OR CUSTOMIZED EQUIPMENT COVERAGE
CA 99 28
Comprehensive and collision coverage for Special or Customized Equipment may be purchased on a stated amount
basis for special or customized equipment on a pickup, van or other vehicle insured for physical damage coverage.
We will consider the following as normal standard equipment on a pickup or van which will not require an additional
premium: Pickup topper with list price new up to $1,000; fog lights; running boards; clearance lights; visor; bug
deflector; bed liner; and built in tool boxes with an aggregate list price new for all tool boxes of $500 or less.
Other special equipment such as, but not limited to, the following will need to be insured as special equipment and
rated for using the following rates. Load lifting tail gate; topper over $1,000 list price new; tool boxes with an
aggregate of all boxes over $500 on the vehicle; or other equipment.
Stated Amount Rate Per $100
Comprehensive
$ 100 Deductible
250 Deductible
500 Deductible
1,000 Deductible
1,500 Deductible
2,000 Deductible
2,500 Deductible
Collision
$1.06
0.82
0.70
0.54
0.46
0.40
0.36
$ 250 Deductible
500 Deductible
1,000 Deductible
1,500 Deductible
2,000 Deductible
2,500 Deductible
$1.14
0.90
0.66
0.58
0.52
0.48
The Stated Amount must be 100% of the current value.
Apply the Commercial Companion Policy Discount and Insurance Score factor.
SERVICE/UTILITY TRAILER (0-2,000 Pound Load Capacity)
CA 99 28
A. Liability
Liability coverage will be extended without charge to a Service/Utility Trailer (0-2,000 lb. load capacity) while
connected to a covered private passenger auto, pickup, or van while it is not used as a residence or premises.
B. Physical Damage
Comprehensive and collision coverage may be provided on a Stated Amount basis. The Stated Amount must
be 100% of the Actual Cash Value.
Stated Amount Rate Per $100
Comprehensive
$ 100 Deductible
250 Deductible
500 Deductible
1,000 Deductible
1,500 Deductible
2,000 Deductible
2,500 Deductible
$1.20
1.10
0.90
0.78
0.70
0.64
0.60
Collision
$ 250 Deductible
500 Deductible
1,000 Deductible
1,500 Deductible
2,000 Deductible
2,500 Deductible
$1.10
0.90
0.78
0.70
0.64
0.60
C. Apply the Commercial Companion Policy Discount and Insurance Score factor.
North Dakota
North Star Mutual Ins. Co.
NSCA - 23
New Business 05-01-17
Renewals
05-01-17
SAFE DRIVER INSURANCE PLAN (SDIP)
A. Definitions
1. Driving Record Points
a. Convictions
Points shall be assigned for convictions during the experience period for motor vehicle violations of the
applicant or any operator as follows:
(1) One-half point for conviction of any moving traffic violation by any driver under the age of 30 that
is not assigned under one of the following paragraphs. (This is limited to the first two convictions
during the experience period.)
(2) One point is assigned for the conviction of any other moving traffic violation resulting in:
(a) suspension or revocation of an operator’s license; or
(b) the filing of evidence of financial responsibility under any Financial Responsibility Law required
as of the effective date of this policy.
(c) the third and successive convictions not qualifying under paragraphs (1) and (4) of this section
by a driver under age 30.
(3) Two points are assigned for:
(a) the accumulation of points under a State Point System or a series of convictions requiring the
filing of evidence of Financial Responsibility under any Financial Responsibility Law as of the
effective date of this policy; or
(b) conviction of reckless driving.
(4) Three points are assigned for conviction of:
(a) driving while intoxicated or under the influence of drugs; or
(b) failure to stop and report when involved in an accident; or
(c) homicide or assault arising out of the operation of a motor vehicle; or
(d) driving while license is suspended or revoked; or
(e) driving a motor vehicle in a reckless manner where an injury to person results.
b. Accidents
Points shall be assigned for each accident that occurred during the experience period, involving the
insured or operator of the vehicle, who is 50% or more at fault.
(1) One-half point is assigned for each auto accident that results in total amount paid under Bodily
Injury, Property Damage, PIP and Collision of less than $2,000 for occurrences prior to 05-01-2017
or less than $2,500 for occurrences on or after 05-01-2017.
(2) One point is assigned for each auto accident that results in:
(a) total amount paid under Bodily Injury, Property Damage, PIP and Collision of $2,000 or more
for occurrences prior to 05-01-2017 or $2,500 or more for occurrences on or after 05-01-2017;
or
(b) a loss experienced under the Comprehensive Coverage portion of the policy under the
following conditions:
(i) A vehicle falling through the ice of any body of water; or
(ii) An at fault accident in which the loss would normally be paid under Collision Coverage, but
glass breakage is paid under the Comprehensive Coverage.
(3) One point is assigned if, during the experience period there were two or more accidents each of
which resulted in payment but have not been assigned a point under (2) above.
(4) Chargeable losses resulting from the operation of a farm truck, motor home, artisan vehicle or an
antique auto are subject to the provisions of the Safe Driver Insurance Plan.
North Dakota
North Star Mutual Ins. Co.
NSCA - 24
New Business 05-01-17
Renewals
05-01-17
SAFE DRIVER INSURANCE PLAN (SDIP) Continued
(5) Exceptions
(a) Accidents involving personally owned private passenger autos not insured under this plan.
(b) No points are assigned for accidents incurred by an operator demonstrated to be a named
insured or a principal operator of an auto insured under a separate policy in this Company. In
this situation the points will be assigned to the policy on which the operator is a named insured
or principal operator.
(c) No points are assigned for accidents occurring under the following circumstances:
(i)
auto lawfully parked (if the parked vehicle rolls from the parked position then any such
accident is charged to the operator who parked the auto); or
(ii)
the applicant, owner or other resident operator was reimbursed by, or on behalf of, a
person who is responsible for the accident or has judgment against such person; or
(iii) auto is struck in the rear by another vehicle and the applicant or other resident operator
was not convicted of a moving traffic violation in connection with this accident; or
(iv) operator of the other auto involved in the accident was convicted of a moving traffic
violation and the applicant or operator was not convicted of a moving traffic violation in
connection with the accident; or
(v)
auto operated by the applicant or any resident operator is struck by a “hit-and-run” vehicle,
if the accident is reported to the proper authority within 24 hours by the applicant or
operator; or
(vi) accidents involving damage by contact with animals or fowl; or
(vii) accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or
falling objects; or
(viii) accidents occurring when using auto in response to an emergency if the operator of the
auto at the time of accident was a paid or volunteer member of any Police or Fire
Department, First Aid Squad, or any law enforcement agency. This exception does not
include an accident occurring after the auto ceases to be used in response to such
emergency; or
(ix) accidents which involve only a property damage liability claim paid for damage to or loss
of use of a rented vehicle pursuant to North Dakota Century Code Section 26.1-40-17.1.
This exception does not apply if the insurer which paid the claim is not entitled to recover
damages from the party at fault.
c. One point is assigned if during the experience period, there was one-half point assigned under
convictions and one-half point assigned under accidents.
d. Refund Of Surcharged Premium
If a point has been assigned for an accident and it is later determined that the accident falls under one
of the exceptions in this rule, North Star shall refund to the insured the increased portion of the premium
generated by the accident.
2. Experience Period
The experience period shall be the three years immediately preceding the date of application or renewal.
Acceptability will be based on all prior years with greater emphasis being placed on the most recent three
years.
North Dakota
North Star Mutual Ins. Co.
NSCA - 25
New Business 05-01-17
Renewals
05-01-17
SAFE DRIVER INSURANCE PLAN (SDIP) Continued
B. Applying Points
1. Single Car Risk
Points attributable to each driver shall be compiled separately and the total of all drivers shall determine
the surcharge for that vehicle.
2. Two Car Risk
Points attributable to each driver shall be compiled separately and the total of all drivers shall determine
the surcharge for each auto.
3. Three Or More Car Risk
Any points developed under SDIP are assigned to the two autos with the highest “Total Base Premiums”.
The remaining autos are rated using 0 points.
“Total Base Premium” is the sum of the base premium for Bodily Injury and Property Damage Liability; NoFault; Comprehensive; and Collision Coverages that apply to the auto.
C. Combining Accidents And Convictions
If a conviction and a chargeable accident result from the same occurrence, only the conviction or accident
developing the higher number of points shall be counted and the resulting rating points shall be used in
determining the surcharge.
D. Administration Of SDIP
1. New Business
a. Initial information necessary to assign the proper Driving Record Points shall be obtained from an
application signed personally by the applicant.
b. The signature of the applicant on all applications received from an agent shall be certified by such
agent.
2. Renewal Business
Information necessary to assign proper renewal Driving Record Points 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.
DISCOUNTS
A. Fleet Discount (Multi-Car Discount)
1. Application
a. Classify as fleet the autos of any risk that has two or more self-propelled autos of any type that are
under one ownership. Do not include autos owned by allied or subsidiary interests unless the insured
holds a majority financial interest.
b. Do not include mobile equipment insured on a general liability policy in determining if the risk is a fleet.
c. Do not include trailers in determining if the risk is a fleet.
d. Classify the autos of any other risk as non-fleet.
e. Do not change the fleet or non-fleet classification because of mid-term 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 Additional And Return Premium Changes section. The coverage part must be cancelled and
rewritten in accordance with the Cancellation/Nonrenewal section.
North Dakota
North Star Mutual Ins. Co.
NSCA - 26
New Business 05-01-17
Renewals
05-01-17
DISCOUNTS Continued
2. Rating
The fleet discount will apply on commercially classified motor vehicles. Refer to the Secondary
Classifications And Rating Factor Table.
B. Commercial Companion Policy Discount
A 10% Commercial Companion Policy Discount shall be applied to commercially classified vehicles if the
insured has one or more of the following North Star policies that have a total combined annual premium of $500
or more:
•
•
•
•
•
Business Protector (BP)
Commercial Multiline (CM)
Commercial General Liability (CG)
Commercial Property (CP)
Farmowners (FO)
C. Anti-Theft Discount
A 5% discount on Comprehensive Coverage will be provided on private passenger vehicles equipped with an
authorized factory installed or authorized dealer installed anti-theft protection device.
For purposes of this rule, “authorized anti-theft protection device” means a device provided by the manufacturer
of a vehicle as original equipment or installed in a vehicle by the manufacturer of the vehicle or an authorized
dealer of that manufacturer. The device does one or more of the following when activated unless the vehicle is
entered and started by means of a lock system:
1. sound an alarm;
2. cause the horn to sound;
3. cause the vehicle lights to flash; or
4. cause the vehicle to be rendered inoperable.
The device must be self-activating upon the locking of the passenger doors of the vehicle.
This rule applies only to policies insuring individual insureds as named insureds and any relative of the named
insured who is a resident of the same household, covering private passenger vehicles owned by that insured
and that are not rented to others or used as public livery conveyances and includes utility vehicles (defined as
any four wheel vehicle, other than a private passenger vehicle which has a pick-up, van or panel type body).
The rule does not apply to policies covering garages, automobile sales agencies, repair shops, service stations
or public parking operations.
D. Accident Prevention Course Discount (Applies To Private Passenger Type Vehicles Only)
1. A 5% Motor Vehicle Accident Prevention Course Discount shall be applied to the premiums for Bodily Injury
and Property Damage Liability, Personal Injury Protection and Collision coverages provided the principal
operator of the motor vehicle has a completion certificate certifying that he or she has successfully
completed an accident prevention course approved by the superintendent of the state highway patrol.
To be eligible for this discount, a principal operator who was age 55 or older when he or she completed the
course must have a completion certificate dated within the most recent 36 months. A principal operator who
was under age 55 when he or she completed the course must have a completion certificate dated within
the most recent 24 months.
2. This Discount shall apply:
a. To new and renewal policies with inception dates within the following periods:
(1) within the 36 month period following the course completion date if the principal operator was age
55 or older when he or she completed the course.
(2) within the 24 month period following the course completion date if the principal operator was under
age 55 when he or she completed the course.
b. only to the motor vehicle principally operated by the insured with the course completion certificate.
North Dakota
North Star Mutual Ins. Co.
NSCA - 27
New Business 05-01-17
Renewals
05-01-17
DISCOUNTS Continued
c. only once to each such motor vehicle regardless of the number of operators with course completion
certificates.
d. only to private passenger autos and to vehicles consider private passenger autos according to the
Personal Auto Manual.
3. The discount does not apply if the operator who completed this Course:
a. is eligible for a Driver Training Classification according to the Personal Auto Manual; or
b. has been assigned one or more points under the Safe Driver Insurance Plan as a result of accidents
or convictions.
E. Passive Restraint Discount
The following discounts apply to No Fault Coverage ONLY. To qualify, the commercially classified auto must
be equipped with a factory installed automatic occupant restraint conforming to the federal crash protection
requirements, and meeting the criteria of either Paragraph 1. or 2. below:
1. 20% discount will be provided when the restraint is installed in the driver-side-only position.
2. 30% discount will be provided when the restraints are installed in both front outboard seat positions.
INDIVIDUAL RISK PREMIUM MODIFICATION PLAN
A. The following modifications may be applied to recognize special characteristics of risk that are not fully reflected
in the rates.
B. This plan must be applied uniformly in a non-discriminatory manner for all eligible classes of risk.
C. When a risk is rated below average (debited), an insured or applicant, upon request, will be advised of its factors
which resulted in the adverse rating.
D. Individual underwriting files must contain the specific criteria and document the particular circumstances of the
risk that support each debit or credit. This documentation must exist in the individually rated risk file to enable
the Commissioner to verify compliance with the appropriate regulations.
E. This plan must be used to acknowledge variances in risk characteristics and not merely to gain competitive
advantage or for any other purpose.
F. Once the provisions of this plan have been applied to a risk and credit or debit established, no changes in the
established credit or debit can be made without appropriate justification and documentation.
G. The total amount of credit or debit developed using the following table may not exceed 25%. The credit or debit
developed is applied after all other rating procedures. The IRPM’s require approval of the Home Office
Commercial Auto Underwriter and will not apply to Private Passenger vehicles.
Rating Modifications
Risk Characteristic
Description
Management
Cooperation with insurance company, revision of schedules,
routes and practices to conform with company
recommendations.
Employees and
Operators
Selection, training, supervision, experience and basis of
remuneration.
Equipment
Safety Organization
and Loss
Prevention
North Dakota
North Star Mutual Ins. Co.
Range of Modifications
Credit
Debit
9%
to
9%
10%
to
10%
Type, condition, servicing, risk’s own repair facilities,
safety equipment, drivers’ reports on condition.
8%
to
8%
Periodic meetings, distribution of safety literature, award
and penalty system, review of accidents with drivers,
safety director, accident reports and records.
8%
to
8%
NSCA - 28
New Business 05-01-17
Renewals
05-01-17
INSURANCE SCORE
A. A rating factor from the table below will be applied to all coverages based on the insurance score of the named
insured. The insurance score, using the Standard Auto Model from LexisNexis, is developed from credit-related
information including: types of accounts, balances, dates opened, and account activity, plus public records
items such as judgments and liens and inquiries initiated by the insured.
Insurance Score
Below 350
350-359
360-369
370-379
380-389
390-399
400-409
410-419
420-429
430-439
440-449
450-459
460-469
470-479
480-489
490-499
500-509
510-519
520-529
530-539
540-549
550-559
560-569
570-579
580-589
590-599
600-609
610-619
620-629
630-639
640-649
650-659
660-669
670-679
680-689
690-699
700-709
North Dakota
North Star Mutual Ins. Co.
Rating Factor
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.48
1.45
1.42
1.38
1.34
1.31
1.29
1.28
1.23
1.22
1.20
1.18
1.13
1.12
1.11
1.09
1.06
1.00
0.99
0.98
0.97
0.95
0.93
Insurance Score
710-719
720-729
730-739
740-749
750-759
760-769
770-779
780-789
790-799
800-809
810-819
820-829
830-839
840-849
850-859
860-869
870-879
880-889
890-899
900-909
910-919
920-929
930-939
940-949
950-959
960-969
970-979
980-989
990-997
998 No Hits – under age 50
998 No Hits – age 50-74
998 No Hits – over age 74
999 No Score – under age 50
999 No Score – age 50-74
999 No Score – over age 74
Neutral
NSCA - 29
Rating Factor
0.92
0.90
0.89
0.87
0.84
0.82
0.80
0.79
0.78
0.77
0.76
0.75
0.74
0.73
0.72
0.71
0.70
0.70
0.70
0.70
0.70
0.69
0.69
0.69
0.69
0.69
0.69
0.69
0.69
1.10
0.94
0.89
1.12
0.95
0.89
1.00
New Business 05-01-17
Renewals
05-01-17
INSURANCE SCORE (Continued)
B. Application of the Insurance Score
1. The insurance score will be applied to all new business and to existing policies at renewal.
2. A statement to indicate an insurance score has been used will be shown on the policy Declaration when an
insurance score is used.
3. The insurance score used, including No Score, will apply for a minimum of 12 months except in cases
where corrections have been made for errors in the insured’s credit history file with the national credit
bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy
term.
4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal.
However, we do not need to obtain the updated insurance score more frequently than once in a 12-month
period.
5. A No Score will continue to apply to a policy except in cases where an insurance score is obtained from a
national credit bureau. If an insurance score is returned, it will apply.
6. In order to comply with statute, a Neutral score from LexisNexis’ Standard Auto Model indicates that the
insured’s credit report has been influenced negatively by an extenuating life circumstance such as
catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.
7. If the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is
limited to 0.08 per one year period.
TRUSTS
CF-2091
A. Coverage may be provided to vehicles listed on the declarations if title to the vehicle(s) has been transferred to
a trust. Use Trust Endorsement CF-2091.
Coverage is subject to the following requirements:
1. The grantor of the trust must be a named insured shown in the Declarations.
2. All vehicles insured under the policy must be owned by the trust.
3. The trust will be shown as an additional insured in the Declarations.
B. Endorsement
Coverage will be extended without charge to the trustees of the trust as shown on the Trust Endorsement CF2091.
North Dakota
North Star Mutual Ins. Co.
NSCA - 30
New Business 05-01-17
Renewals
05-01-17
NON-BINDING/INELIGIBLE VEHICLES
The following are ineligible and coverage is not to be bound under any circumstances.
Amphibious Equipment
Livestock Dealers/Haulers
Antique or Obsolete Vehicles
Logging & Lumbering
Auctioneers
Long Haul Trucks (over 200 miles)
Auto Driving Schools
Lumber Dealers
Automobile Garages/Dealers
Mail Route Vehicles
Automobile Leasing/Rental
Meat Dealers, Packers, Retail
Armored Cars
Milk Haulers - Bulk
Bar/Tavern Owners
Mining or Quarry Operations
Bottled Beverage Distributors
Mix in Transit - Cement Trucks
Breweries/Wineries
Moving
Bulk Oil Dealers
Municipally Owned Trucks
Building Wrecking Operators
Newspaper Delivery
Buses
Oil Field Vehicles
Butchers
Parcel & Package Delivery
Carnival & Circus Vehicle/Amusement Devices
Paving Contractors
Church Buses
Pipeline Contractors
Day Care Vans
Delivery Vehicles
Pizza or Restaurant Delivery (Any prepared food
delivery)
Drive Yourself Trucking
Public Autos (Taxis, Limousines, etc.)
Dump Trucks
Rolling Stores
Egg Dealers
Service Cars/Trucks
Emergency Vehicles - Fire Trucks, Police Cars,
Ambulances, etc.
Sewer Contractors
Excavation Contractors
Stockyards
Structural Iron and Steel Manufacturers
Film Delivery
Telephone and Telegraph Company
Fuel Dealers
Tractor-Trailer Units (except farm)
Garbage Removal
Gasoline Stations
Gravel, Lime or Sand Trucks
Hauling For Hire
Trucks Requiring I.C.C or R.C. permits
Vehicles used in Racing
Vending Trucks
Well Drillers
Hazardous Materials (Anhydrous Ammonia,
Explosives, Flammable Products, Poisons,
Radioactive Materials)
Vehicles w/Crane (incl. booms)
House Movers
Vehicles Regularly Operated Outside
Insurance Company’s Territorial Area
Ice Cream Manufacturing and Dealers
Junk, Metal or Scrap Iron Dealers
Vehicles w/Snowplow (plowing for others)
Vehicles Transporting Dance Bands or Entertainers
Liquefied Petroleum Gas Dealers, Distributors,
Producers or Refineries
North Dakota
North Star Mutual Ins. Co.
NSCA - 31
New Business 05-01-17
Renewals
05-01-17
PRIMARY CLASSIFICATIONS AND RATING FACTORS TABLE
Business
Use
Class
Size
Class
Service
Retail
Light Trucks
(0-10,000 Lbs
G.V.W.)
(includes all
pickup trucks)
Commercial
Farm
Service
Medium
Trucks
Retail
(10,001-20,000
Lbs. G.V.W.)
Commercial
Farm
Service
Retail
Heavy Trucks
(20,001-45,000
Lbs. G.V.W.)
Commercial
Farm
Beet/Potato/
Specialty
Extra-Heavy
Trucks
(does not
include Semitractors)
(Over 45,000
Lbs. G.V.W.)
Non-Farm
Farm
Beet/Potato/
Specialty
Non-Farm
Extra-Heavy
SemiTractors(Over
45,000
Lbs. G.C.W.)
Farm
Beet/Potato/
Specialty
North Dakota
North Star Mutual Ins. Co.
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Local
Up To 50 Miles
Liability Physical
& PIP
Damage
110
110
1.00
1.00
120
120
1.50
1.05
130
130
1.35
1.10
150
015
0.65
1.00
210
210
1.05
0.75
220
220
1.55
0.80
230
230
1.40
0.85
250
250
0.30
0.30
310
310
1.10
0.70
320
320
1.65
0.75
330
330
1.50
0.80
350
350
0.30
0.30
360
360
0.50
0.50
440
440
2.10
1.00
450
450
0.85
0.60
460
460
1.10
0.75
Radius Class
Intermediate
51-200 Miles
Liability Physical
& PIP
Damage
111
111
1.20
1.15
121
121
1.80
1.20
131
131
1.65
1.30
151
151
0.65
1.00
211
211
1.25
0.90
221
221
1.85
0.95
231
231
1.70
1.00
251
251
0.30
0.30
311
311
1.40
0.80
321
321
2.05
0.85
331
331
1.90
0.95
351
351
0.30
0.30
361
361
0.60
0.60
441
441
2.70
1.20
451
451
0.95
0.60
461
461
1.15
0.80
640
641
640
2.35
650
1.05
650
0.85
660
0.60
1.10
NSCA - 32
641
3.00
651
660
1.20
651
0.95
661
0.75
Long Distance
Over 200 Miles
Liability Physical
& PIP
Damage
112
112
1.30
1.20
122
122
1.80
1.25
132
132
1.75
1.35
152
152
0.75
1.15
0.65
661
1.15
0.80
New Business 05-01-17
Renewals
05-01-17
PRIMARY CLASSIFICATIONS AND RATING FACTORS TABLE Continued
Business
Use
Class
Size
Class
Non-Farm
Semi Trailers
Farm
Non-Farm
Trailers
(Over 2,000 Lbs.
Load Capacity)
Farm
Service or
Utility Trailer
(0-2,000 Lbs.
Load Capacity)
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Factor
Code
Local
Up to 50 Miles
Liability Physical
& PIP
Damage
Radius Class
Intermediate
51-200 Miles
Liability Physical
& PIP
Damage
740
741
740
0.40
0.75
750
750
0.10
840
0.35
0.45
850
0.10
0.85
751
0.15
841
0.50
850
741
751
0.65
840
0.75
841
0.40
851
0.50
Long Distance
Over 200 Miles
Liability
Physical
& PIP
Damage
0.60
851
0.15
860
0.60
861
Refer to Service/Utility Trailer section for Stated Amount rate per
$100
SECONDARY CLASSIFICATIONS AND RATING FACTORS TABLE
FLEET DISCOUNT AND DRIVING RECORD POINTS
FLEET DISCOUNT
DRIVING RECORD POINTS
(5th Digit of Class Code)
# of Eligible Vehicles
(4th Digit of Class Code)
1
2
3
4 or more
North Dakota
North Star Mutual Ins. Co.
0
Code
Factor
Code
Factor
Code
Factor
Code
Factor
10
1
11
0.00
20
+0.20
21
-0.05
30
22
31
23
32
42
NSCA-33
24
33
25
34
+1.10
35
+0.50
44
+0.25
+2.20
+0.75
+0.30
43
+0.05
5
15
+1.50
+0.45
+0.10
+0.00
4
14
+0.90
+0.20
+0.05
41
-0.10
3
13
+0.40
+0.10
-0.05
40
2
12
+0.75
45
+0.40
+0.55
6
16
+3.00
26
+1.50
36
+1.00
46
+0.75
New Business 05-01-17
Renewals
05-01-17
TERRITORY DEFINITIONS
NORTH DAKOTA
State Code (33)
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of Contents
DIRECTORY
Terr. Code
Terr. Code
Bismarck - Mandan territory comprises the entire city of
Grand Forks County - see Grand Forks & Remainder of
State
Bismarck and all territories and places lying within the area
enclosed by the outside boundaries of Hay Creek township in
Burleigh County & the entire city of Mandan in Morton County.. 04
Minot territory comprises the entire city of Minot and all
territories and places lying within the area enclosed by the
outside boundaries of the following townships in Ward County
Cass County - see Fargo and Remainder of State.
Harrison
Nedrose
Northwest Counties comprised of the following
Fargo territory comprises the entire city of Fargo in Cass
County ...................................................................................... 01
counties – Billings, Burke, Divide, Dunn, Golden Valley,
McKenzie, McLean, Mercer, Mountrail, Renville, Stark, Ward,
Williams ........................................................................... 07
Grand Forks territory comprises the entire city of Grand
Forks and all territories and places lying within the area enclosed
by the outside boundaries of the following township in Grand
Forks County
05
Falconer
06
Remainder Of State ...................................................... 02
Grand Forks
North Dakota
North Star Mutual Ins. Co.
T-1
New Business 10-15-12
Renewals
10-15-12