Utah Preferred Auto Program
PREFERRED AUTO PROGRAM
CSE SAFEGUARD INSURANCE COMPANY
MANAGED BY UNITED UNDERWRITERS, INC.
UTAH
Private Passenger Auto Liability and Physical Damage
Underwriting Guide
Rates effective
11/01/2013 New business
12/10/2013
Renewal business
(Ed. 12 2013)
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Utah Preferred Auto Program
TABLE OF CONTENTS
TABLE OF CONTENTS ............................................................................................................. 2
FORMS LIST ............................................................................................................................. 4
I.
UNDERWRITING RULES .............................................................................................. 5
A. Application and Binding Authority ................................................................................... 5
B. Eligibility – New Business ............................................................................................... 5
C. Unacceptable Drivers ..................................................................................................... 5
D. Unacceptable Vehicles ................................................................................................... 6
E. Additional Physical Damage Rules ................................................................................. 6
F. Submit for Approval – Do Not Bind ................................................................................. 7
G. Special Rules ................................................................................................................. 7
H. Policy Term .................................................................................................................... 8
I. Fees ............................................................................................................................... 9
II.
COVERAGE ..................................................................................................................10
A. Liability ..........................................................................................................................10
B. Personal Injury Protection (PIP) – Use Form PP 05 79..................................................10
C. Uninsured/Underinsured Motorists - Use Form PP 04 66 ............................................10
D. Uninsured Motorists Property Damage – Use Form PP 04 24 .......................................10
E. Under-Insured Motorists Property Damage ...................................................................10
F. Automobile Rental Coverage – Use Form PAE-9023 ....................................................10
G. Physical Damage ..........................................................................................................10
H. Towing...........................................................................................................................10
I. Emergency Road Service ..............................................................................................10
J. Rental Reimbursement ..................................................................................................10
III.
CLASSIFICATION & RATING .......................................................................................12
A. Driver Classification .......................................................................................................12
B. Business Use – Long Commute ....................................................................................12
C. Premium Rounding ........................................................................................................12
D. ISO Price/Symbol Chart ................................................................................................13
E. Additional/Special Equipment ........................................................................................14
F. Extra Hazard Vehicles ...................................................................................................15
G. Discounts ......................................................................................................................16
H. Zip Codes/Territories .....................................................................................................17
IV.
POLICY ADMINISTRATION ..........................................................................................19
A. Policy Surcharges .........................................................................................................19
B. Policy Changes & Endorsements ..................................................................................19
C. Cancellations .................................................................................................................19
D. Reinstatements .............................................................................................................19
E. Renewals ......................................................................................................................20
F. Non-Renewals, Cancellations ........................................................................................20
6 MONTH BASE PREMIUMS ...................................................................................................21
Liability & PIP ......................................................................................................................21
Uninsured & Underinsured Motorists ...................................................................................21
Automobile Rental Coverage...............................................................................................21
Physical Damage ................................................................................................................21
Towing 21
Rental Reimbursement........................................................................................................21
INSURANCE SCORE TIER FACTORS ....................................................................................21
TERRITORIAL RELATIVITY FACTORS ...................................................................................22
RELATIVITY FACTORS ...........................................................................................................22
Driver Class Factor - Liability ...............................................................................................22
Driver Class Factor - PIP .....................................................................................................23
(Ed. 12 2013)
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Utah Preferred Auto Program
Driver Class Factor – Physical Damage ..............................................................................23
DRIVER VIOLATION SURCHARGES ......................................................................................24
INCREASED LIMITS FACTORS ...............................................................................................24
Liability ................................................................................................................................24
Uninsured Motorists ............................................................................................................24
Underinsured Motorists .......................................................................................................24
PIP24
VEHICLE AGE FACTORS ........................................................................................................25
DEDUCTIBLE FACTORS .........................................................................................................25
Physical Damage ................................................................................................................25
VEHICLE/SYMBOL TABLE.......................................................................................................26
(Ed. 12 2013)
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Utah Preferred Auto Program
FORMS LIST
FORM#
*PP 00 01
*PP 01 93
*PAE-9016
*IL 7026
*PP 13 01
PP 03 05
PP 03 19
PP 04 24
PP 04 66
*PP 05 79
PAE-9022
PAE-9023
PAE 1023
PAE-APP-CSE
02-2002
EDITION
DATE
0698
1103
0813
0913
1299
0886
0694
0105
1010
0299
0402
0207
0402
0207
TITLE
Personal Auto Policy
Amendment of Policy Provisions – Utah
Personal Auto Policy – Utah Amendatory
Policy Signatures – CSE
Coverage For Damage to Your Auto Exclusion Endorsement
Loss Payable Clause
Additional Insured – Lessor
Property Damage Uninsured Motorists Coverage – Utah
Underinsured Motorists Coverage – Utah
Personal Injury Protection Coverage – Utah
Preferred Provider Organization Endorsement
Automobile Rental Coverage (Preferred only)
Named Driver Exclusion – Utah
CSE Insurance Application
CSE Insurance Company – Preferred Auto Questionnaire
* Indicates Mandatory Forms
(Ed. 12 2013)
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Utah Preferred Auto Program
I.
UNDERWRITING RULES
The final decision as to acceptability will remain with the company.
A.
Application and Binding Authority
1. Producers can bind coverage as of the TIME and DATE shown on the
application, provided that:
a) The computer issued policy and application are fully completed.
Specifically including name, address, full address, work and home phone
numbers, complete VI#(s), driver’s license number(s), all household
residents listed with DOB, full employment information including months
employed, and “yes/no” questions answered. Second, the application is
legible and signed where required by both the applicant and producer,
with a full down payment.
b) All persons living in the household are listed on the application and all
those that are licensed or have a permit are rated as drivers,
c)
cThe named insured and spouse (if applicable) must be 21 or above. Age 25
or above is single. No drivers age 75 and above.
d) A maximum of one minor moving violation per driver per policy. No
violations allowed on youthful (under age 25) drivers.
2. Incompleteor unsigned applications or applications received without the premium
payment, will not be considered boundApplications for ineligible drivers or
vehicles will be cancelled and not be eligible for reinstatement
3. Applications with false or misleading information by applicant will be cancelled
and not be eligible for reinstatement.
4. Coverage(s) may not be bound in excess of the limits, including deductible,
shown in this manual.
Eligibility – New Business
B.
1.
2.
3.
4.
5.
6.
7.
C.
Motor vehicles of the private passenger, station wagon, utility, pickup, van or
panel truck-type which DO NOT exceed one (1) ton load capacity.
Applicants must be the registered owner or lessee under a long-term lease
agreement of at least six (6) months.
Named insureds must be 21 years of age or older if married. 25 years of age or
older if single.
All drivers must have a valid Utah driver’s license.
Evidence of compliance of financial responsibility law must be retained by the
agent and available upon request of the company.
The final decision as to acceptability will remain with the company.
Named Insured must have minimum of three (3) years driving experience in U.S.
Unacceptable Drivers
1. Drivers without a valid Utah Driver License; unless the driver obtains a UT
license within thirty (30) days of inception. If licensed in Utah less than one year
prior driving info must be submitted.
2. Drivers who are not residents of Utah, or Military not stationed in Utah.
3. Entertainers, professional athletes, or other nationally or locally well-known
individuals.
4. Drivers with a suspended or revoked driver's license.
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Utah Preferred Auto Program
5. Drivers with more than one (1) traffic conviction in the past 3 years. Maximum 1
violation per driver per policy. No major violations or at-fault accidents over
$1000. No violations allowed on youthful (under 25) drivers.
6. Drivers with any driving violations considered anything but “minor” violations
within six (6) years.
7. Drivers with any alcohol related violations within the last 6 years.
8. Drivers with an unlicensed spouse. Exceptions MAY be obtained with prior
approval from the underwriting department. See G:5 – Special Rules.
9. Risks with residents of driving age not licensed or license invalid.
D.
Unacceptable Vehicles
1. Vehicles garaged outside Utah.
2. Vehicles valued more than $80,000.
3. Vehicles not titled in the name of the applicant or an immediate family member
(i.e. parent & child, siblings, must be listed on policy and rated for) unless a long
term (more than six (6) months) leased vehicle. Copy of lease agreement must
be submitted with application.
4. Vehicles built, designed or used for prearranged speed contests.
5. Emergency vehicles, taxi cabs, limousines, general livery or vehicles rented or
lent to other operators on a regular basis.
6. Vehicles used for messenger or delivery service.
7. Vehicles used to transport passengers, such as: day camps, nursery schools,
day care centers, convalescent homes, churches, etc.
8. Dune buggies, golf carts and off road type vehicles, or any type not licensed for
highway use.
9. Any antique, classic, custom, electric, Kits, limited editions (low production), race,
replicas, or show cars.
10. Vehicles which have been substantially modified in appearance or mechanically
altered.
11. Vehicles with modified suspension, such as: lowering or lift kits, snow plows or
any which have been modified for off road use. (i.e. chopped, lowered, lifted,
turbo charged.)
12. Recreational Vehicles (RV), motorcycles, ATVs, open air jeeps and any vehicle
with more or less than four (4) wheels.
13. Vehicles with a load capacity exceeding 1 Ton.
14. Any of the following: Clenet, DeLoreans, Pantera, Stutz, Zimmer, or any unique
or custom built vehicles.
15. Custom vans without photographs. (Van conversions are SUBMIT – DO NOT
BIND). See F:1 listed below.
16. Physical damage for any vehicle with preexisting damage (other than normal
wear and tear). Please submit photos of damage.
E.
Additional Physical Damage Rules
1. Inspection forms must be completed and retained by agent on vehicles with
physical damage if there is a lapse in prior coverage or no prior coverage to
maintain physical damage endorsement. Photos (front driver corner, rear
passenger corner) must also be submitted if the Physical Damage endorsement
is applied to a pre-existing vehicle in mid term.
2. Physical Damage may not be written without Liability.
3. Comprehensive may not be written without collision.
4. Corvettes and Porsches are surcharged 50% (multiply by 1.5).
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Utah Preferred Auto Program
5. ISO does not publish symbols for certain pickups and vans. For those not listed,
use ISO Price/Symbol Chart or call the company.
6. Customized Vans – Increase one symbol for each $1,000 value of customized
equipment. Follow submit rules listed below.
F.
Submit for Approval – Do Not Bind
1. Van Conversions: Submit with the following: a) the cost of conversion. An
appraisal may also be required, b) Complete description and list of equipment,
such as: carpeting, interior lights, captain chairs, custom seating, couch, cabinet
and sink, height extending roof, side windows, running boards, ladder, wheels,
tires, custom paint, etc. (All equipment must be listed and included in the value
of the van to be covered), c) Photographs of both the interior and exterior.
2. Gray Market (self-imported) vehicles.
G.
Special Rules
There will be times during quoting, issuing, and servicing policies when certain
things cannot be done. Usually pop-up windows in the system will guide you as
to what to do. A list of procedures is given below.
1. Full coverage cannot be added to an existing vehicle without photos (front
driver side corner and rear passenger side corner). 2. Exceptions to normal
underwriting may be obtained from the underwriting department if appropriate
justification is demonstrated by the Agent.
3. Deleted points. Consideration may be given by the underwriting department.
Please call.
4. Exclusions. The company’s position remains that if a person resides in the
insured household, they must be rated or excluded. We may allow driver
exclusions with prior underwriting approval in the situations below.
a) Licensed drivers living in the same household (other than student
roommates) or non-residents who have driven the insured’s vehicle(s)
the following is required:
i.
The exclusion form signed by the named insured and the
excluded driver
ii.
Proof of other coverage for the excluded driver must be
retained by agent and made available to company upon
request.
iii.
List the excluded person under “residents” and choose
“excluded“ in the DL# field.
b) Excluded roomates – the exclusion(s) only needs to be signed by
the named insured. A separate form is required for each roommate.
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Utah Preferred Auto Program
5.
Unlicensed residents . Risks where a resident of the household has a
suspended driver license are ineligible for this program. If a resident of
driving age has never been licensed, the risk may be acceptable.
 If the named insured’s spouse is not licensed, underwriting
approval is required prior to writing the policy.
A completed unlicensed resident agreement must be submitted to the
company.
*b.
6. Driver Rating: All drivers must be rated on a vehicle. Two youthful drivers
cannot be rated on the same vehicle.
7. UU Mail. Company underwriting requests will generally be sent via UU Mail
and the agency must make diligent efforts to answer all requests by the indicated
pend date. Contact the underwriting department if assistance is needed with this
or any other system utility.
8. Incarcerated Spouse: If the named insured or spouse is incarcerated the risk
is unacceptable.
H.
Policy Term
Policies may be issued for a six (6) or twelve (12) month term. All rates shown
are for six (6) months. Apply a factor of 2.00 for twelve month policies.
I.
5th Car Policies – Risks with more than 4 vehicles must be written as 2 policies.
Write all the drivers and 3 or 4 vehicles on the first policy and write the remaining
vehicle(s) and just the named insured (and spouse if applicable) on the second
policy. In order to get the multi-car discount, more than one vehicle must be listed
on each policy. Only one application is needed and we match all discounts and
surcharges on both policies. However, violation points are only charged on one
policy.
J.
Broker of Record Change – When we receive a broker of record change
request, we send a UU Note to the current agent notifying them of the request.
We wait 5 business days for them to take action then save the client’s
information in the database of the agent requesting the change. The new agent
can then issue the policy as new business. A $25 fee is assessed to cancel the
old policy and move money to the new policy.
K.
Motor Vehicle Reports
There is no charge for MVR’s pulled in our system as long as 75% of the reports
end up on a policy that is issued and premium is paid. Any reports pulled on
business that is below a 75% success rate will be charged to the agency.
$9.50/report pulled.
L.
PLEASE NOTE: If United Underwriters pays a claim and the driver of the claim is
deleted, a permissive driver claim surcharge is added to the named insured.
(Ed. 12 2013)
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Utah Preferred Auto Program
M.
Fees
The following fees will be charged in addition to policy premiums. (Fees are fully
earned when we issue the policy or endorsement.)
1. a. Installment Fee (Each payment)
(Policies submitted with payment in full but are issued higher
than quoted will also be subject to this fee.)
b. Installment Fee- Sure Pay (Each Payment)
2. Re-instatement fee
3. Returned Check Charge
4. Insured request Cancellation Fee
5. Late Payment Fee (2 notice bill plan)
(Ed. 12 2013)
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$ 6.00
$ 3.00
$10.00
$20.00
$25.00
$ 5.00
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Utah Preferred Auto Program
II.
A.
COVERAGE
Liability
Liability limits are available up to $500/500/100. All liability limits MUST be the SAME on
ALL vehicles of a multi-car risk.
B.
Personal Injury Protection (PIP) – Use Form PP 05 79
Basic PIP coverage is included in the Liability premium. Limited PIP coverage,
excluding loss of gross income benefits, is available for a reduced premium. To reject
loss of gross income benefits, the exclusion on the application must be signed by the
named insured.
C.
Uninsured/Underinsured Motorists - Use Form PP 04 66
Uninsured and Underinsured motorists coverage at the basic limit of 25/65 and 10/20
respectively is automatically included on all liability policies. If the insured elects to
reject the coverage, a properly signed rejection MUST be on the application or the
appropriate premium will be charged. UM/UIM must be written at the same limits as
BI/PD unless a rejection of higher limits is signed. See the rate pages for the premium.
D.
Uninsured Motorists Property Damage – Use Form PP 04 24
Uninsured Motorists Property Damage coverage must be offered to an applicant for any
private passenger rated vehicle that is being insured for liability coverage only. The offer
need be made only once and is not required for subsequent renewals. If the insured
elects to reject the coverage, a properly signed rejection MUST be on the application or
the appropriate premium will be charged. See the rate pages for the premium.
E.
Under-Insured Motorists Property Damage
Under-Insured Motorist Property Damage with a $3500 limit, is AUTOMATICALLY
included with the Liability coverage on ALL policies at NO ADDITIONAL PREMIUM.
F.
Automobile Rental Coverage – Use Form PAE-9023
The regular ISO coverage for non-owned auto under Part D is limited to direct loss to
the vehicle. This coverage broadens the ISO form by including coverage for any
expenses for which the insured becomes legally responsible in the event of a loss. For
example, diminished value and loss of use assessed by a rental agency would not be
covered under the basic ISO form if the insured is found to be liable.
G.
Physical Damage
In determining the premium for physical damage coverage, ISO symbols should be
used. If physical damage is added to the policy during the term, the agent MUST inspect
the vehicle and photos MUST be submitted.
H.
Towing
Towing coverage of up to 10 miles per disablement is included at no additional charge
(See I below). Towing coverage up to 25 miles is available for any vehicle which ALSO
carries Physical Damage coverage with an additional premium charge.
I.
Emergency Road Service
Emergency Road Service coverage of up to 10 miles, one (1) occurrence per policy
term, is AUTOMATICALLY included with EVERY policy, at NO ADDITIONAL PREMIUM.
J.
Rental Reimbursement
Rental reimbursement coverage to rent a substitute vehicle, not exceeding $30 per day
up to a maximum limit of $600 or $50 per day up to a maximum limit of $1,000, is
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Utah Preferred Auto Program
available, if there is a limit shown on the Declaration page and the additional premium is
charged.
K.
Coverage Transferred to a Rental Car
If the vehicle is rented for any reason (pleasure use or to replace a vehicle involved in a
loss), liability, comprehensive and collision coverage transfer to the rental car.
 Loss of use, diminished value, and administrative fees are not covered.
Rental Enhancement must be purchased for these coverages to apply.
(Ed. 12 2013)
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Utah Preferred Auto Program
III.
CLASSIFICATION & RATING
A.
Driver Classification
1. Drivers who are single, widowed, separated, or divorced should be rated as single.
2. All drivers must be listed and rated on the application.
B.
Business Use – Long Commute
1. Individually owned vehicles used for business or light commercial purposes may be
written under this program. The classes of business include, but are not limited to:
company representatives, janitorial service and contractors (i.e., carpenters,
electricians, plumbers, etc., as long as they do not visit more than 2 jobsites per day).
Vehicle must be driven by the insured and not by employees.
2. Vehicles regularly or frequently used beyond a radius of 50 miles, or average mileage
over 20 miles per day are not eligible.
3. Vehicles visiting three (3) or more jobsites in a day are ineligible.
4. Vehicles titled and licensed in the corporation/business name are ineligible.
5. Vehicles used for delivery, advertising, livery, or transporting passengers/clients are not
eligible.
6. Rating: Multiply by 1.30 surcharge for business use OR long commute over 30 miles
each way.
7. Long commute 10-30 miles is surcharged 15%, or a factor of 1.15.
C.
Premium Rounding
Each premium calculation (discounts, up rates, cancellations, etc.) will be rounded to the
nearest whole dollar. ($.50 or more, round to the next highest dollar).
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Utah Preferred Auto Program
D.
ISO Price/Symbol Chart
When no symbol is available, use the chart below. Note: When rating a new
vehicle that has not been completely redesigned, before the new model year
symbols are published, use the appropriate symbol from the previous year.
COST NEW/
VEHICLE VALUE
$ 0 - 6,500
6,501 - 8,000
8,001 - 9,000
9,001 - 10,000
10,001 - 11,250
11,251 - 12,500
12,501 - 13,750
13,751 - 15,000
15,001 - 16,250
16,251 - 17,500
17,501 - 18,750
18,751 - 20,000
20,001 - 22,000
22,001 - 24,000
24,001 - 26,000
26,001 - 28,000
28,001 - 30,000
30,001 - 33,000
33,001 - 36,000
36,001 - 40,000
40,001 - 45,000
45,001 - 50,000
50,001 - 60,000
60,001 - 70,000
70,001 - 80,000
80,001 & Above
(Ed. 12 2013)
SYMBOL
1990 &
NEWER YEARS
1
2
3
4
5
6
7
8
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
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SYMBOL
1989 &
PRIOR YEARS
1-6
7
8
8
10
10
11
11
12
12
13
13
14
14
15
15
16
16
17
17
18
19
19
20
20
20
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Utah Preferred Auto Program
E.
Additional/Special Equipment
Additional and/or special equipment on vehicles will only be covered if, Physical
Damage Coverage is purchased, and the additional and/or special equipment is
listed on the policy and an additional premium is paid on the cost new of the
equipment. Additional and/or special equipment includes but is not limited to:
-
-
-
(Ed. 12 2013)
CB radios, antennas and accessories and telephone PERMANENTLY
installed.
Camper shells, tops and trailers. Trailers used in business will not be
added.
Rebuilt body work and customization such as custom paint, smoke glass,
mirror, additional headlamps, roll bars, decals, special tires, chrome,
reverse chrome, alloy, aluminum, magnesium wheels or wheel covers.
Customized or rebuilt engine work (turbo charges, chrome engine
accessories, tachometers or pressure gauges, etc.).
Additional/special equipment will be rated as follows:
1. Campers, camper shells, travel, camp or utility trailers will be rated at
a $.50/$100.00 value.
2. All other special equipment will be rated at $4.00/$100.00 value.
$250.000 deductible is standard.
Any radio, CD player, tape players, sound or video receiving equipment,
CB radio, telephone, radar detector or scanner NOT permanently installed
is NOT covered.
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F.
Extra Hazard Vehicles
On new business we will not write any of the following vehicles listed below if
they are the only vehicle being insured. On renewals, exceptions may be made
based on age of drivers, MVR and claim history.
Those vehicles below marked with an * will not be accepted. If a current
customer purchases one of these * vehicles, the vehicle will be surcharged 15%
through the end of the term. Then the account will be non-renewed.
All Sport Utility Vehicles and 4WD pickups (surcharge to BI and PD cov only)
*lAlfa Romeo - All models
*Acura – NXS,
*Audi – R8, R8 Spyder,
*Dodge - Viper,
*Mercedes -, 500 SL, 600 SL.
*Nissan - GT-R
*Rolls Royce - All
*Subaru - WRX
*Mitsubishi -, Lancer Evolution
Aston Martin, Austin Healy, Bently, DeLoreon, Ferrari, Lamborghini, Lancia, Lotus,
Maserati, Rolls Royce, and many other exotic sports cars are ineligible for this program.
UTAH VEHICLE EXPERIENCE MODIFICATION: Certain Models will receive an
additional liability surcharge (BI/PD/PIP) as follow:
MODEL
Chevrolet Suburban
Chevrolet Trailblazer
Chrysler Sebring
Dodge Grand Caravan
Dodge Stratus
Ford Explorer
Ford Mustang
GMC Yukon XL
Honda Accord
Honda Civic
Jeep Cherokee
Mistubishi Galant
Nissan Maxima
Nissan Sentra
Subaru Legacy
Toyota 4-Runner
Toyota Sienna
(Ed. 12 2013)
BI/PD
1.05
1.10
1.10
1.00
1.15
1.10
1.05
1.05
1.05
1.00
1.05
1.05
1.05
1.10
1.05
1.05
1.05
PIP
1.10
1.05
1.00
1.10
1.00
1.05
1.05
1.10
1.05
1.10
1.00
1.00
1.05
1.15
1.05
1.05
1.05
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Volkwagen Jetta
G.
1.05
1.10
Discounts
Multi-Car Discount: If more than one vehicle is insured under the same policy, a 15%
discount will apply to the liability premium. All vehicles must be titled to the named
insured or resident spouse to qualify.
Renewal Discount: The following renewal discounts will apply to any risk insured
continuously during the periods indicated:
2% per year to a maximum of 20% discount
Paid In Full Discount: A Discount will be applied when the insured pays the term
premium in full at inception. A 5% discount applies to six (6) month policies, and a 10%
discount applies to twelve (12) month policies. Note: Premium Financing is NOT
acceptable. All return premiums will be sent directly to the insured.
Sure Pay Discount: A 5% discount applies when insured authorizes automatic payment
of premiums via credit card or checking account withdrawal. This discount does not
apply to Paid In Full policies.
Financial Stability Discounts: A Choicepoint “Attract” insurance score will be obtained
on all new applications to determine the level of premium discount that is warranted, if
any, from the base rate. See table on “Base Premiums” page for details.
Defensive Driving Course Discount: A 5% discount applies to all vehicles principally
operated by someone who is 55 years or older and has completed a defensive driving
course. A copy of the certificate of completion must accompany the application.
Preferred Provider (Physical Damage): Use Form PAE-9022
A 5% discount will be applied to the physical damage premiums if the insured chooses
to add the Preferred Provider Organization (PPO) endorsement to his/her policy. The
insured must sign the PPO acknowledgment on the application, confirming that he/she
understands the terms and conditions contained therein.
Senior Driver Discount: a 5% discount will be applied if all residents of the household
and all drivers are age 55 or older.
Homeowner Package Discount: A 14% discount will be applied if the insured’s
primary dwelling is insured through United Underwriters.
Total Abstainers Discount: A 9% discount will be applied if all drivers in the household
are total abstainers from alcohol and tobacco products. A questionnaire must be
completed by applicant to verify compliance.
Collision Discount: A 15% discount is allowed on all vehicles that have collision if all
drivers are age 25 and older if married. Age 30 or older if single.
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Good Student Discount: A 5% discount will be applied to any driver under age 25,
who is a full time student, high school or university, who has a “B” average or better
(3.0+ on a 4 pt scale, 4.0+ on a 5 pt scale) at the time of application. Most recent grade
card must be submitted with application.
Youthful Occasional Operator Discount: A discount may be applied to an unmarried
Occasional Operator age 16-25 when the following occurs: 1) there are more drivers
than vehicles (agent must verify this and document, i.e., no unlisted vehicles available
for regular use), and 2) the Occasional Operator is being rated on the highest symbol
vehicle (this may occur as a result of highest rated driver to highest rated vehicle). The
following discounts apply to Liability and Physical Damage;
SINGLE MALE
Age 16-21
30% Discount
Age 22-24
25% Discount
SINGLE FEMALES
Age 16-24
5% Discount
Permit Driver Discount: A 40% discount is available to teenage drivers listed on their
parents’ policy who have a valid permit.
Civil Service Employee Discount: A 10% policy discount will be applied if the named
insured is a public employee. Employer and Occupation must be listed on application.
Documentation of public employee must submitted to company to qualify for discount.
Increased Prior limits: A 4% discount applies to a policy if the insured can provide
documentation (12 months) that their prior BI limits of liability exceed the statutory
minimum of 25/65. The current liability limits must be at least 50/100
H.
Zip Codes/Territories
Use territory in which vehicle is PRINCIPALLY GARAGED. If mailing address or
residence address is different from garaging address, provide an explanation in agent
remarks on the application. Vehicle garaged out of state are unacceptable.
COUNTY
TERRITORY
Salt Lake
#1
Utah County
#2
Weber
#3
Bal. Of State
#4
Davis County
#5
(Ed. 12 2013)
CSE Safeguard Insurance Company
Page 17 of 28
Utah Preferred Auto Program
Washington
#6
Tooele, Cache, Iron
#7
Summit, Wasatch, Duchesne, Uinta, Carbon#8
(Ed. 12 2013)
CSE Safeguard Insurance Company
Page 18 of 28
Utah Preferred Auto Program
IV.
A.
POLICY ADMINISTRATION
Policy Surcharges
Minor Incidents – 1 pt. (minor violation, AF claims under $1000
Surcharge applies for EACH 1 point incident occurring during the last 3 years.
Major incidents – 3 pts. (major violation, AF claims over $1000)
Surcharge applies for EACH 3 point incident occurring during the last 3 years.
Schedule of policy surcharges
EACH Minor
First Major
Second Major
1 vehicle
7%
25%
40%*
2 vehicles
5%
15%
30%*
3-4 vehicles
3%
10%
20%
All applicable surcharges are additive. Policies with claims exceeding $5,000 may not
be renewed in this program.
*Renewal to Peak or Crown will usually be considered for 2nd Major on 1-2 vehicle
policy.
B.
Policy Changes & Endorsements
1. Policies will not be re-rated during their term unless:
a) Driver points are incorrect as verified by Motor Vehicle Report. Change will be
made on the effective date of the policy, or the date the driver was added to the
policy. Rates in effect at the inception date of the current policy term will be used.
b) Coverages, Drivers or Vehicles are added, or there is a change in marital status.
Rates in effect at the inception date of the current policy term will be used.
2. Policy transactions generating less than $10.00 will be waived. These transactions will
not be billed or money returned.
C.
Cancellations
1. All requests for cancellation must be made in writing.
2. No back dating of cancellations without proper and required documentation.
3. All cancellations will be computed pro-rata.
4. Cancellations at "Insured's Request" require the return of the original policy, a signed
lost policy release, or named insured's dated and signed request. Cancellation will be
effective the date requested, provided the company receives the request within 30
days; otherwise it will be effective the date received, subject to any advance notification
required by third parties of interest. All return premiums will be sent to the insured.
There will be a $25.00 fee assessed for cancellation in mid-term of the policy.
D.
Reinstatements
1. If the reason for cancellation has been satisfied before the effective date of cancellation
a policy may, at the option of the company, be reinstated without a lapse.
2. After the effective date of cancellation, a policy may be reinstated with a lapse in
coverage for the remaining policy period at the option of the company.
3. Prior to rejecting payments the system will allow up to as many as 40 days of combined
lapse during a six (6) month period in standard and a twelve (12) month period in
preferred. Payments may be accepted by underwriting past the 40 day limit. Please
contact underwriting for approval.
4. The system will produce a reinstatement offer giving an expiration date from 8-15 days
after the day the offer is mailed depending on previous lapses. (see history)
5. If there have been excessive lapses, instead of a reinstatement offer, a final cancellation
is sent and noted in the history.
(Ed. 12 2013)
CSE Safeguard Insurance Company
Page 19 of 28
Utah Preferred Auto Program
6. When accepting any payment, create a receipt in the UU system to see if payment is
acceptable or not.
7. In addition to lapses, underwriting reasons can affect the acceptance of payments.
Remember to check for policy flags and underwriting notes.
E.
Renewals
1. Approximately 30 days prior to expiration, a renewal notice will be sent to the insured.
This will serve as an offer to renew the policy at the indicated premium.
2. Renewal information and payment of the premium must be received before expiration to
be eligible for the Renewal Claim-Free Discount.
F.
Non-Renewals, Cancellations
1.
Renew to Standard: If this flag is marked in the system, then the policy is ineligible for
preferred, but will be automatically renewed in a standard program.
2.
Non-renew-Do not reinstate: If this flag is marked, the policy is unacceptable for any
United Underwriters program and will be non-renewed with little if any chance of reconsideration. Late payments cannot be accepted.
3.
Non-renew and Do not reinstate if UW info is not received: If this flag is marked,
the risk would more than likely be acceptable in our program and eligible for
reinstatement, however, due to a lack of response to underwriting or missing
information, this policy will be non-renewed unless requested information is received.
Late payments are accepted until the policy reaches the end of the term on existing
business or the cancellation date for new business.
PAGES 19 THRU 26 ARE PROPRIETARY PREMIUMS AND RELATIVITY FACTORS
(Ed. 12 2013)
CSE Safeguard Insurance Company
Page 20 of 28
Utah Preferred Auto Program
6 MONTH BASE PREMIUMS
Liability & PIP
BI 25/65
$68.50
PD 15
$119.50
PIP 3000
$41.25
REDUCED PIP*
$29.10
EXPENSE CONSTANT $25.00
*Excludes Income Loss Benefits.
Uninsured & Underinsured Motorists
UMBI 25/65
UIMBI 10/20
UMPD 3500
$11.25
$7.65
$15.25
Automobile Rental Coverage
ALL VEHICLES
$19.00
Physical Damage
COLL
COMP
$103.00
$16.25
Towing
$50 per disablement
TOW
$6.25
Rental Reimbursement
$20 per day, $600 max.
RENT
$13.25
INSURANCE SCORE TIER FACTORS
(Applies to all base premiums except towing and rental)
(Ed. 12 2013)
TIER
Discount Factor
Attract Score
1
2
3
4
5
6
7
8
9
10
0..66
0.71
0.76
0.81
0.86
0.90
0.94
1.00
1.03
1.07
824-997
764-823
740-763
710-739
690-709
667-689
648-666
635-647
618-634
600-617
CSE Safeguard Insurance Company
Page 21 of 28
Utah Preferred Auto Program
TERRITORIAL RELATIVITY FACTORS
TERR.
BI
PD
PIP
OTC
COLL
# 1 – SL COUNTY
1.35
1.25
1.12
0.90
1.08
# 2 – UTAH COUNTY
1.03
1.10
1.06
0.85
.98
#3 – WEBER COUNTY
1.25
1.21
1.12
0.88
1.06
#4 – BALANCE OF ST.
1.00
1.00
1.00
1.00
1.00
#5 -- DAVIS COUNTY
1.15
1.15
1.04
0.80
0.98
#6 -- WASHINGTON
1.09
1.07
1.03
0.90
0.91
#7 - TOOELE, CACHE, IRON
1.06
1.03
1.00
1.00
.95
#8 - Summit, Wasatch, Duchesne, Uinta, Carbon
1.04
1.04
1.02
1.05
1.06
RELATIVITY FACTORS
Driver Class Factor - Liability
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Married Males
BI
PD
2.10
1.73
2.00
1.65
1.90
1.80
1.85
1.75
1.80
1.65
1.70
1.50
1.60
1.40
1.35
1.25
1.2
1.15
1.09
1.09
1.04
1.04
1.03
1.03
1.03
1.03
1.02
1.02
1.02
1.02
1.02
1.02
1.00
1.00
1.05
1.05
1.10
1.10
(Ed. 12 2013)
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Single Males
BI
PD
4.20
2.78
4.00
2.65
3.90
2.60
3.60
2.55
330
2.50
2.60
2.30
2.50
2.25
2.45
2.22
2.40
2.20
1.90
1.70
1.60
1.45
1.54
1.39
1.52
1.37
1.50
1.35
1.05
1.10
1.03
1.03
1.00
1.00
1.05
1.05
1.10
1.10
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Married Females
BI
PD
1.90
1.63
1.80
1.55
1.80
1.55
1.70
1.50
1.65
1.45
1.40
1.35
1.30
1.30
1.15
1.10
1.10
1.07
1.05
1.04
1.04
1.03
1.03
1.02
1.02
1.01
1.02
1.01
1.00
1.00
1.00
1.00
1.00
1.00
1.05
1.05
1.10
1.10
CSE Safeguard Insurance Company
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Single Females
BI
PD
2.20
1.68
2.10
1.60
1.95
1.55
1.90
1.53
1.90
1.53
1.85
1.51
1.80
1.50
1.70
1.46
1.65
1.43
1.25
1.20
1.10
1.08
1.08
1.06
1.06
1.04
1.06
1.04
1.03
1.02
1.03
1.02
1.00
1.00
1.05
1.05
1.10
1.10
Page 22 of 28
Utah Preferred Auto Program
Driver Class Factor - PIP
Married Males
Age
Factor
15-16
2.63
17
2.50
18
2.25
19
2.10
20
1.90
21
1.85
22
1.75
23
1.20
24
1.14
25
1.08
26
1.05
27
1.05
28
1.05
29
1.05
30-34
1.03
35-39
1.02
40-69
1.00
70-79
1.05
80+
1.10
Single Males
Age
Factor
15-16
2.84
17
2.70
18
2.60
19
2.55
20
2.50
21
2.45
22
2.40
23
1.80
24
1.60
25
1.45
26
1.37
27
1.34
28
1.32
29
1.30
30-34
1.05
35-39
1.03
40-69
1.00
70-79
1.05
80+
1.10
Married Females
Age
Factor
15-16
1.63
17
1.55
18
1.50
19
1.45
20
1.40
21
1.35
22
1.30
23
1.20
24
1.15
25
1.10
26
1.08
27
1.06
28
1.05
29
1.04
30-34
1.03
35-39
1.02
40-69
1.00
70-79
1.05
80+
1.10
Single Females
Age
Factor
15-16
1.52
17
1.45
18
1.45
19
1.42
20
1.40
21
1.37
22
1.35
23
1.32
24
1.30
25
1.22
26
1.13
27
1.08
28
1.05
29
1.05
30-34
1.05
35-39
1.03
40-69
1.00
70-79
1.05
80+
1.10
Driver Class Factor – Physical Damage
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Married Males
Comp
Coll
1.79
2.25
1.73
2.18
1.70
2.15
1.65
2.05
1.60
1.95
1.55
1.80
1.50
1.65
1.35
1.30
1.25
1.20
1.14
1.09
1.09
1.06
1.06
1.05
1.05
1.04
1.04
1.04
1.03
1.03
1.02
1.02
1.00
1.00
1.05
1.05
1.10
1.10
(Ed. 12 2013)
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Single Males
Comp
Coll
2.30
3.15
2.20
3.00
2.20
3.00
2.15
2.80
2.10
2.75
1.95
2.45
1.85
2.30
1.82
2.25
1.80
2.20
1.65
1.90
1.55
1.80
1.49
1.77
1.47
1.75
1.45
1.70
1.10
1.10
1.05
1.05
1.00
1.00
1.05
1.05
1.10
1.10
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Married Females
Comp
Coll
1.89
2.05
1.80
1.95
1.75
1.70
1.65
1.60
1.50
1.50
1.40
1.40
1.25
1.30
1.15
1.15
1.09
1.09
1.05
1.05
1.03
1.03
1.00
1.01
1.00
1.01
1.00
1.01
1.00
1.00
1.00
1.00
1.00
1.00
1.05
1.05
1.10
1.10
CSE Safeguard Insurance Company
Age
15-16
17
18
19
20
21
22
23
24
25
26
27
28
29
30-34
35-39
40-69
70-79
80+
Single Females
Comp
Coll
1.78
2.26
1.70
2.15
1.68
2.10
1.66
2.06
1.65
2.03
1.63
1.95
1.60
1.90
1.55
1.83
1.50
1.75
1.20
1.25
1.10
1.13
1.08
1.10
1.06
1.08
1.05
1.06
1.03
1.04
1.00
1.02
1.00
1.00
1.05
1.05
1.10
1.10
Page 23 of 28
Utah Preferred Auto Program
DRIVER VIOLATION SURCHARGES
MINOR VIOLATION = 1 POINT
MAJOR VIOLATION = 3 POINTS
POINTS
1
2
3
4
SINGLE MALE 30+
SINGLE FEMALE 25+
MARRIED M/F 25+
1.03
1.07
1.20
1.30
SINGLE MALE 29 & UNDER
SINGLE FEMALE 24 & UNDER
MARRIED M/F 24 & UNDER
1.10
1.30
1.50
1.60
INCREASED LIMITS FACTORS
Liability
BODILY INJURY
25/65
50/100
100/300
250/500
500/500
FACTOR
1.00
1.13
1.39
1.47
1.57
PROPERTY DAMAGE
15,000
25,000
50,000
100,000
FACTOR
1.00
1.03
1.08
1.15
Uninsured Motorists
Limits
25/65
50/100
100/300
250/500
Factor
1.00
1.20
1.52
2.30
Underinsured Motorists
Limits
10/20
25/65
50/100
100/300
250/500
Factor
1.00
1.90
2.80
3.95
5.00
PIP
Limits
3,000
5,000
10,000
(Ed. 12 2013)
Factor
1.00
1.45
1.80
CSE Safeguard Insurance Company
Page 24 of 28
Utah Preferred Auto Program
VEHICLE AGE FACTORS
Age
0
1
2
3
4
5
6-8
9-10
11-17
18-22
23-27
28-32
33-37
38-UP
Physical Damage
Comp
Coll
1.000
1.000
0.91
0.95
0.79
0.90
0.73
0.85
0.66
0.81
0.63
0.77
0.61
0.73
0.59
0.69
0.56
0.65
0.58
0.60
0.60
0.55
0.60
0.55
0.60
0.55
0.60
0.55
Liability
1.02
1.02
1.01
1.01
1.00
1.00
.99
.99
.98
.98
1.05
1.10
1.15
1.20
DEDUCTIBLE FACTORS
Physical Damage
COMPREHENSIVE
1,000
500
300
200
100
(Ed. 12 2013)
FACTOR
0.75
1.00
1.65
2.07
2.50
COLLISION
1,000
500
300
200
100
CSE Safeguard Insurance Company
FACTOR
0.75
1.00
1.50
1.77
2.34
Page 25 of 28
Utah Preferred Auto Program
VEHICLE/SYMBOL TABLE
1989 &
PRIOR
1990 2010
2011 and
NEWER
COMP
COLL
6-Jan
1
2
0.92
0.98
7
2
3
1.12
1.18
3
4
1.31
1.32
4
5
1.39
1.39
5
6
1.47
1.45
7
1.52
1.48
6
8
1.57
1.51
7
10
1.75
1.69
8
11
1.82
1.74
12
1.87
1.79
13
1.92
1.84
14
1.98
1.86
15
2.04
1.89
16
2.1
1.93
17
2.16
1.97
18
2.22
2.01
19
2.29
2.05
20
2.38
2.15
21
2.48
2.24
22
2.52
2.27
23
2.56
2.3
24
2.6
2.32
25
2.64
2.35
26
2.73
2.41
27
2.81
2.47
28
2.89
2.53
29
2.94
2.58
30
2.98
2.62
31
3.03
2.67
32
3.1
2.7
33
3.16
2.74
34
3.23
2.78
35
3.29
2.82
36
3.36
2.89
8
10
11
10
12
11
12
13
13
14
14
15
16
15
17
18
(Ed. 12 2013)
CSE Safeguard Insurance Company
Page 26 of 28
Utah Preferred Auto Program
16
19
20
17
21
18
22
23
19
24
20 and
up
25
26
27 and
up
(Ed. 12 2013)
37
3.42
2.96
38
3.7
3.06
39
3.97
3.17
40
4.24
3.28
41
4.51
3.39
42
4.71
3.52
43
4.9
3.65
44
5.09
3.78
45
5.22
3.85
46
5.35
3.92
47
5.48
3.99
48
5.62
4.06
49
5.93
4.33
50
6.24
4.61
51
6.55
4.88
52
6.86
5.16
53
7.21
5.35
54
7.57
5.54
55
7.92
5.74
56
8.28
5.93
57
8.45
6.09
58
8.62
6.26
59
8.79
6.42
60
9.73
7.96
61
10.67
9.5
62
11.8
9.55
63
12.94
9.6
64
14.07
9.65
65
15.2
9.7
66
16.33
9.75
67
17.47
9.8
68
18.6
9.85
69
19.73
9.9
70
20.87
9.95
71-97
22
10
CSE Safeguard Insurance Company
Page 27 of 28
Utah Preferred Auto Program
VEHICLE/SYMBOL TABLE
ISO LIABILITY SYMBOLS
(Ed. 12 2013)
LIA
Symbol
PIP
Symbol
Factor
240-280
450-480
0.92
285
290
295
300
305
310
315
320
325-355
485
490
495
500
505
510
515
520
525-575
0.94
0.96
0.98
1.000
1.045
1.09
1.135
1.18
1.225
CSE Safeguard Insurance Company
Page 28 of 28