AUTO
CALIFORNIA
KEMPER INDEPEDENCE INSURANCE COMPANY
UNITRIN AUTO AND HOME INSURANCE COMPANY
RETURN TO LIST OF STATES
What’s new?
Updated Major Violations
Updated Discounts
Removed Passive Restraint/Airbags discount
Updated Class Code Determination
Effective dates
New: 07/01/2014
Renewal: 07/01/2014
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KIC UAH / CA
TABLE OF CONTENTS / RAPID REFERENCE
Topic
Underwriting Guidelines
Class 1 and Class 2
Additional Requirements
Premium and Billing
Payment Plans
Down Payments
Safe Driver Insurance Plan
Discounts
Coverages
Antiques
Audio, Visual, and Data Electronic Equipment
Auto Loan Lease Gap Coverage
Classic Vehicles
Customized Pickups and Vans
Death and Disability Coverage
Extended Non-Owned Liability
Federal Employees Using Auto
Page #
3-6
7
8
9-10
10
11
12-14
15-16
17
17
18-19
19
19-20
20
20-21
21-22
22
Topic
Golf Carts
Limited Mexico Coverage
Motor Homes
Parked Auto Collision
Pickups and Vans
Rental Reimbursement
Repair or Replacement Plus
Suspension of Insurance
Towing and Labor
Trailer and Camper Bodies
Uninsured Motorist
Uninsured Motorist Property Damage
Waiver of Collision Deductible
Primary Class Determination
Vehicle Use
State Specific Requirements
Endorsement Index
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Page #
22-23
23
23-24
24
25-26
26
27
27
28
28-29
30
30
30
31
31-32
33
34
UNDERWRITING GUIDELINES
The following guidelines shall be applicable to both new and renewal policies, except where a guideline makes
reference to „prior to binding,‟ which indicates that it shall be applicable to new business only.
ELIGIBILITY REQUIREMENTS
1. Eligible policy rewrites and new lines of insurance added to existing lines are subject to new business
underwriting guidelines as stated. Any policy which has been non-renewed or cancelled by Kemper is
ineligible to be rewritten. Eligible policy rewrites:
a. Package to Monoline
b. Monoline to Package
c. Change effective date
d. Change Policy Term
e. Change in liability type (combined/split)
INELIGIBLE DRIVERS
Drivers who do not qualify for the "Good Driver" discount, including:
Drivers without a valid license
Drivers with less than 3 years of driving experience
Drivers with no accidents but more than 1 minor moving violation in the past 3 years.
Drivers with no violations but an accident which resulted in bodily injury or death in the past three years.
Drivers with no violations but more than 1 chargeable accident in the past 3 years. An accident with
property damage of $1,000 or less is not chargeable.
 With a DUI/DWI offense in the past 10 years.
Drivers with a major violation (non-DUI/DWI related) in the past 3 years
Note: Newly licensed dependent children are eligible on family accounts, provided their driving record is clean,
and they are not the principal operator of a Class I or II vehicle.
INELIGIBLE VEHICLES
Pickups or Vans used for business.
Any vehicle not owned or leased by named insured
Motorcycles or Motor scooters
Off road utility vehicles
Vehicles used for delivery, driver training, emergency or commercial purpose
Vehicles non - U.S. market, antique, off road, limited production or kit car
Vehicles altered to increase speed or acceleration capabilities, rendering the vehicle unsafe in violation
of governing state or federal safety standards
Vehicles which fail to meet governing state or federal safety guidelines
.
GOOD DRIVER DISCOUNT
A 20% Good Driver Discount shall be afforded when all operators of a vehicle qualify for the discount. If there
are automobiles in excess of the number of operators, the Good Driver Discount applies to any excess autos,
provided one driver qualifies.
The discount is applied separately to each coverage after application of the primary and secondary rating
factors, if applicable. The discount shall be applied to the total premium for a vehicle, except premium charged
for Covered Property Coverage and Automobile Accident Coverage, if provided.
The Good Driver Discount will be identified by the presence of a 1 in the ninth position of the rate classification
code.
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A “good driver” is a driver who meets all of the following requirements.
1. Has been continuously licensed for the previous 3 or more years.
2. Has not been convicted for more than one moving violation and has no principally at-fault accidents in
the prior 3 years.
3. Has not been involved in more than one principally at-fault accident resulting only in damage to
property exceeding $1,000 and had no convictions for a moving violation in the prior 3 years.
4. Has not been involved in any principally at-fault accident resulting in death, or from bodily injury where
total loss or damage from injuries and damage to property exceeds $1,000, in the prior 3 years.
5. The operator has not been convicted of any of the following during the past 10 years:
 Driving a motor vehicle with a blood alcohol level equal to or in excess of 0.08 (0.05% percent
for persons under the age of 18)
 Driving under the influence of alcohol, drug, or any combination of the two, and causing bodily
injury or death
 Gross vehicular manslaughter while intoxicated
 Vehicular manslaughter while intoxicated and in commission of an unlawful act, without gross
negligence
6. The operator has not been convicted of any of the following during the past 3 years.
Failure to stop at the scene of the accident
Reckless Driving
 Causing bodily injury or death while evading a police officer
 Driving the wrong way on a divided highway
 Driving at speeds in excess of 100 miles per hour
 Engaging in any motor vehicle speed contest on a highway
 Engaging in, or aiding and abetting in, any motor vehicle exhibition of speed
 Illegal transportation of explosives
 Vehicular manslaughter
7. There has not been more than one dismissal (pursuant to the Vehicle Code), during the past
3 years, which has not been made confidential, a conviction of which would have resulted
in the imposition of more than one California violation point count.
Additional Rules Applicable to Good Driver Discount
a. Out-of-state convictions count the same as in-state convictions, provided the violation would
have resulted in a point assignment had it occurred in California.
b. Use the conviction date for determining whether the incident is with the prior 3 years.
c. The convictions mentioned above in requirements 2, 3 and 6 will not disqualify a driver who was
cited for the violation while operating a motor vehicle for compensation during the hours of
employment. This exception only applies if that driver‟s specific duties included driving
employers‟ motor vehicles, or to individuals who own or lease a highway carrier and have
authority in their own names to operate these types of vehicles, and the driver has submitted a
written declaration made by the driver under penalty of perjury, that the driver was, at the time of
the violation, operating a motor vehicle during the hours of his or her employment.
d. If a Good Driver is not eligible to purchase a good driver discount policy because of the driving
safety record or years of driving experience of any other person, then the good driver shall be
able to purchase a good driver policy which excludes such other persons from coverage. Attach:
Auto 767 Exclusion of Named Driver Endorsement.
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e. Ineligibility or restriction of any vehicles does NOT apply to Good Drivers.
GOOD DRIVER PLUS
Operators that meet the definition of a Good Driver may qualify for a Good Driver Plus discount if the operator
has had no accidents or violations in the last five years. Operators that qualify for the Good Driver Plus
discount will receive a 4.0% discount in addition to the 20% Good Driver discount. Five years of violation and
accident free operation is required.
Exceptions: Comprehensive losses, not-at-fault accidents, non-moving violations and commercial violations
are excluded in the determination of Good Driver Plus.
PROFESSIONAL GROUP PROGRAM
A factor of .95 in the premium for Bodily Injury, Property Damage, Medical Payments, Uninsured Motorists
(Bodily Injury and Property Damage), Comprehensive and Collision coverage is available if the name insured
or spouse/ Registered Domestic Partner is a member of one of one the professional groups listed below. This
program will apply on a per policy basis but will not apply to the PCL endorsement.
Acceptable documentation may include proof of membership in a professional organization, a diploma or
professional license. Any and all other supporting documentation will be considered by Underwriting.
Documentation must be maintained by the Agent.
Documentation must be submitted with the application or within 60 days to maintain the discount
Scientists/Engineers
Educators
CA Med Assoc
CA Pharm Assoc
Veterinarians
Dentists
Accountants
Firefighters
Paramedics
Pilots
Law Enforcement
Engineer- The named insured or spouse/Registered Domestic Partner must have a Bachelors degree or be
licensed as an engineer in one of the following fields in engineering:
Aeronautical
Gas
Aerospace
Mechanical
Chemical
Nuclear
Civil
Petroleum
Electrical
Structural
Scientist- The named insured or spouse/Registered Domestic Partner must have a Bachelors degree or be
licensed as a scientist or engineer in one of the following physical sciences:
Astronomy
Geophysics
Biochemistry
Mathematics
Chemistry
Meteorology
Cybernetics
Physics
Geology
Planetary
Systems
Educators - The named insured or spouse/Registered Domestic Partner must be credentialed as a teacher or
educational administrator by the California Commission on Teachers Credentialing and hold a “clear”,
“professional clear”, “life”, or “preliminary” designation or employed full time as a college or university
professor.
California Medical Association - The named insured or spouse/Registered Domestic Partner must be a
member of the California Medical Association.
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California Pharmaceutical Association – The named insured or spouse/Registered Domestic Partner must
be a member of the California Pharmaceutical Association.
Veterinarians - The named insured or spouse/Registered Domestic Partner must be a licensed member with
the State of California.
Dentists - The named insured or spouse/Registered Domestic Partner must have a valid, current license
issued by the Dental Board of California.
Dental Hygienists and assistants are not eligible.
Accountants - The named insured or spouse/Registered Domestic Partner must have a current license issued
by the California Board of Accountancy.
Firefighters - The named insured or spouse/Registered Domestic Partner must be employed as a full time
firefighter for a state or local fire department within California.
Volunteer firefighters are not eligible.
Paramedics/ EMT- The named insured or spouse/Registered Domestic Partner must have a current EMT-1,
EMT-IL or EMT- P certificate from the state of California.
Pilots - The named insured or spouse/Registered Domestic Partner must have a current airmen certificate
issued by the Federal Aviation Administration. All certificate classes apply except student certificates.
Law Enforcement Officers - The named insured or spouse/Registered Domestic Partner must be employed
full time in one of the following fields:
Highway Patrol, Police Officer, Park Ranger, Sheriff/ Deputy
Security Guards are not eligible.
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CLASS I VEHICLES
The following list contains the more popular sports/sports/type vehicles (foreign and domestic). Refer to
Company for additional models, including new models, not listed below.
Acura: NSX
AM General: Hummer
Aston Martin: All models
Avanti: All models
Bentley: All models
BMW: Z8
Bugatti: All models
Campagna: All models
Dodge: Viper
Excalibur: All models
Ferrari: All models
Ford: GT
Gemballa: All models
Hummer: H1
Lamborghini: All models
Lotus: All models
Maserati: All models
Maybach: All models
Mercedes Benz: All AMG models, CL 600,S 600,
SLR
Morgan: All models
Noble: All models
Panoz: All models
Passenger vehicles valued at more than $100,000
Plymouth: Prowler
Porsche: All Turbo models, Carrera GT, 959
Qvale: All models
Rolls Royce: All models
Ruf: All models
Saleen: All models
Shelby: All models
Tesla: All models
Vector: All models
Zimmer: All models
CLASS II VEHICLES
Class II vehicles are acceptable if all drivers in the household have been licensed more than 3 years. A
surcharge will be applied. Refer to Company for newer models, not listed below.
Acura: RSX Type S, Integra GS-R (VTEC), Integra
Type R
BMW:M6, 760
Cadillac: CTS-V, XLR
Chevrolet: Camaro V8s, Corvette, Monte Carlo SS,
Silverado 1500 SS, SSR
Chrysler: Crossfire, PT Cruiser Turbo
Dodge: Stealth R/T Turbo, Ram SRT-10, Neon
SRT-4
Eagle: Talon TSi
Ford: Mustang V8s & all SVT/SVO models, Taurus
SHO, Focus SVT, F150 SVT Lightning
GMC: Syclone, Typhoon
Honda: Civic Si, CRX, Prelude VTEC, Del Sol
VETEC, S-2000
Hyundai: Tiburon GT
Infinity: G35, FX 45
Jaguar: XK8, XKR, All R-Models
Mazda: RX-7, RX-8, Mazdaspeed Miata & Protégé
Mitsubishi: 3000 GT VR-4, Eclipse GS Turbo &
GSX, Lancer Ralliart
Mercedes Benz: CL 500, CL 550
Nissan: 350 Z, Sentra SE-R
Pontiac: GTO, Firebird and Trans Am V8s, Grand
AM GT Ram Air
Porsche: All Models not listed as Unacceptable
Saturn: ION Redline
Subaru: Forester Turbo
Suzuki: Samurai
Toyota: Supra (All Models), MR-2, Celica GTS
Volkswagen: GTI, R32, Touareg V8 & V10 models
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ADDITIONAL REQUIREMENTS
ELIGIBILITY
A Personal Auto Policy will be used to afford coverage for vehicles considered as private passenger autos if:
They are written on a specified auto basis
They are owned by an individual or husband and wife or by registered domestic partners under
California law, who are residents in the same household.
They are not used as a public or livery conveyance
They are not rented to others, except as part of a registered peer-to-peer rental agreement
A motor vehicle that is a pick up or small van shall be considered a private passenger auto if it:
has a gross vehicle weight of less than 10,000 lbs. and is not used for delivery or transportation of
goods or material unless such use is:
incidental to the insured‟s business of installing, maintaining or repairing furnishing or equipment, or
for farming or ranching.
A pick up or van used in the business of the United States Government, by an employee of the
Government, shall be considered a private passenger auto only if:
It meets the conditions above and coverage is limited in accordance with the Federal Employees using
autos in Government Business Endorsement.
A motor vehicle owned by a farm family co- partnership or farm family corporation shall be considered
a private passenger auto owned by two or more relatives who are residents of the same household if:
it is principally garaged on a farm or ranch and is otherwise meets the definitions above.
Or, for private passenger autos that are owned jointly by two or more:
Resident relatives other than husband and wife or registered domestic partners under California Law;
Resident individuals, or
Non-resident relatives, if they are written on a specified auto basis, to the extent of the endorsement
Attach: PP 0334: Joint Ownership Coverage Endorsement
Coverage will be afforded to motor homes or similar vehicles if:
They are written on a specified vehicle basis
They are owned by an individual, husband and wife, or registered domestic partners under California
Law, two or more relatives, or two or more resident individuals; and
Coverage is limited in accordance with Miscellaneous Type Vehicles Endorsement
ADDITIONAL INSURED – LESSOR
If an auto lease contract requires the lessee to provide primary insurance for the lessor,
Attach: PP 0319: Additional Insured Lessor Endorsement
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PREMIUM AND BILLING
AGENCY SWEEP
Agency Sweep is our simpler, more effective way to process insured‟s new business down payments,
installments, and mid-term payments. All you do is deposit the funds into your agency account and make the
proper notations in the Kemper system. Sign up today by contacting your Marketing Specialist at 1-866-6753345, option 4.
BILLING FEES
$6.00 Bill Fee per paper bill produced
$20.00 Late Payment Fee
$15.00 Reinstatement Fee
$30.00 NSF Fee
$1.00 EFT Fee (New Fee)
CANCELLATIONS
If a policy, vehicle, or form of coverage is cancelled by the company or by the insured compute the return
premium on a pro rata basis.
CHANGES
All policy changes will be computed pro-rata.
MINIMUM PREMIUM RULE
A minimum annual premium charge of $30.00 will be applied for each policy, certificate, declaration or binder
covering one or more of the following:
Bodily Injury
Property Damage
Combined Single Limit
Comprehensive
Collision
Premium will be adjusted on a pro-rata basis in the event of cancellation. Premium for other coverages is in
addition to the minimum annual premium.
PACKAGE PLUS BILLING
Kemper can bill the insured for the auto premium and the mortgage company for the home premium.
Premiums for Credit for Existing Coverage are included in the first installment after the coverage becomes
effective.
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PAYMENT PLANS
PAPER BILLING
PAPER BILLING FEE MAY APPLY
One Pay Plan: 100% of premium due on policy effective date (no billing fee applies)
Two Pay Plan: 50% of premium due on policy effective date; remaining billed halfway through the policy
term
Quarterly Plan: 25% of premium due on policy effective date; remaining billed quarterly
Monthly: 1 installment due on policy effective date; remaining billed monthly
CHECKLESS (EFT)
NO PROCESSING CHARGES
One Pay Plan: 100% of premium due on policy effective date
Two Pay Plan: 50% of premium due on policy effective date; remaining withdrawn halfway through the
policy term
Quarterly Plan: 25% of premium due on policy effective date; remaining withdrawn quarterly
Monthly: 1 installment due on policy effective date; remaining withdrawn monthly
POLICY PERIOD
Package Plus or Package Plus Classic policies shall be written on an annual basis only. No policy may be
written for a period longer than twelve (12) months.
12-MONTH POLICIES
The premium charge is equal to the policy‟s annual premium or the minimum annual premium, whichever
applies.
6-MONTH POLICIES
If a policy is written for a specified period of 6 months, charge 50 percent of the policy‟s annual premium or the
minimum annual premium.
This provision shall not apply to risks written under any Automobile Insurance Plan (assigned risks)
When policies are issued with an effective date on the 29th, 30th or 31st of any month, the first such
policy may be extended to run from the date of issuance to the first day of the calendar month following
expiration of the policy. Premium for this extended coverage of one to three days may be waived.
ROUNDING RULES
Rates and premiums displayed in:
1. Whole dollar premiums shall be rounded to the next higher whole dollar ($.50 or more round upward)
2. Dollars and cents premiums shall be rounded to the nearest one (1) cent
WHOLE DOLLAR PREMIUM
The annual premium for each coverage will be rounded to the nearest whole dollar.
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DOWN PAYMENTS
DOWN PAYMENTS ARE REQUIRED:
1. On every new business policy written where the payor is the Insured or Other and none of the conditions
below exist
2. Only on the side of a package policy where the side is a new business policy but the other side meets one
of the conditions below
DOWN PAYMENTS ARE NOT REQUIRED:
1. If the policy is a rewrite, which is defined by the Prior Carrier = Kemper (or one of the Unitrin Companies)
2. If the policy is an approved block transfer
3. If the policy is an inter-agency transfer
4. If the policy has a Mortgagee as the Payor for a home monoline policy
5. For the side of a policy with a CEC (Credit for Existing Coverage) as long as the CEC effective date is 30
days after the processing date
A CEC allows an agent to write a package with non concurrent effective dates for auto and home.
THE FOLLOWING DOWN PAYMENT RULES WILL APPLY WHEN UTILIZING RPW 6.0 FOR ISSUING
POLICIES:
1. Down payments greater than or equal to the Estimated Down Payment for each new business entry.
2. The minimum down payment amount will be based on the payment method and/or pay plan selected
countrywide:
a. If Recurring Payment Method = EFT or Visa/MasterCard and Pay Plan = Monthly, 1 month down is
required for both annual and semi-annual policies
b. If Recurring Payment Method = Paper bill and Pay Plan = Monthly, 20% down payment is required
for both annual and semi-annual policies
c. If Recurring Pay Plan = Quarterly, 25% down payment is required for EFT, Visa/MasterCard or
Paper Bill recurring payment methods
d. If Recurring Pay Plan = Two Pay, 50% down payment is required for EFT, Visa/MasterCard or Paper
Bill recurring payment methods
e. If Recurring Pay Plan = One Pay and Payor = Insured or Other, 100% down payment is required for
EFT, Visa/MasterCard or Paper Bill recurring payment methods
f. If Payor = Mortgage, down payment is not required and is optional
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SAFE DRIVER INSURANCE PLAN (SDIP)
Administration of SDIP shall apply to all applicants.
Eligibility is determined by the underwriting guidelines, regardless of how many surcharges are
allowable under the SDIP.
The experience period shall be the three years immediately preceding the date of application or the
preparation of the renewal.
Surcharges are applied to the vehicles primarily driven by the operator responsible for the surcharge
subject to primary class vehicle assignment rules.
DRIVING RECORD SUB-CLASSIFICATION
The driving record sub-classification shall be determined from the number of Driving Record Points
accumulated during the experience period.
Determine the number of points applicable to each operator.
o If an auto is customarily operated by one operator, assign a Sub-Classification based on the
points generated by that operator.
o Only the accident points applicable to one individual operator may be applied to a single vehicle.
o Only the conviction points applicable to one individual operator may be applied to a single
vehicle.
o If all operators who customarily operate the auto have generated no points, assign SubClassification 0 to that auto.
ADMINISTRATION OF SDIP
Initial information necessary to assign the proper Driving Record Sub-Classification shall be obtained
from any one or combination of the following:
o an application signed personally by the applicant.
o Company‟s own records; or
o Motor Vehicle records; or
o Loss Exchanges
o Consumer Reports
o Prior Carrier Letters of Experience
o NAMED DRIVERS DECLARATION, made under penalty of perjury, attesting to his or her atfault accident history, shall be sufficient proof of that accident history in the absence of contrary
information form an independent source (those including but not limited to any items listed in
Section D (1) (a-f) above). If we discover that a declaration contains a fraudulent or material
misrepresentation, we may use that information to rate the policy, to cancel the policy as per
CIC sections 661 and 1861.03 (c)(1), and take any other action authorized by law.
The signature of the applicant on all applications received from an agent, broker or solicitor shall be
certified by such agent, broker or solicitor.
SDIP - ACCIDENTS
Points will be assigned for each accident that occurred during the experience period, involving the applicant or any
current resident operator, while operating an auto. Points will be assigned to the vehicle customarily driven by the
operator responsible for incurring the points subject to primary class vehicle assignment rules. Only the accident
points applicable to one individual operator may be applied to a single vehicle.
Accidents
Points
Principally At-fault accident*
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*An accident, occurring within the experience period is a principally at-fault accident, if any of the following
apply:
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1) the driver‟s actions or omissions were are least 51% of the proximate cause of the accident and
a. resulted in death, or
b. resulted in injuries and/or damage totaling more than $1,000 (after applicable deductible).
2) a previous insurer determined that the driver in the accident was principally at fault,
3) the accident was uninsured and information available is sufficient to determine that the driver was principally
at fault. We will consider a driver to be principally at fault if the driver fails or refuses to provide accident
information, or
4) it was a solo vehicle accident, subject to the exceptions below.
Exceptions:
1. 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; and
2. No points are assigned for accidents occurring under the following circumstances:
a. Auto lawfully parked. A vehicle rolling from a parked position will not be considered to
be lawfully parked and will be charged to the person who parked the auto; or
b. For involvement in an accident as a result of which (a) a court judgment declared the operator of another
vehicle involved in the accident to have been 50% or more negligent; or (b) a reimbursement of at least 50% in
settlement of the insured‟s damages was obtained from, or on behalf of, the owner or operator of another
vehicle involved in the accident, or
c. Auto is struck in the rear by another vehicle and the applicant or other resident operator has not been
convicted of a moving traffic violation in connection with this accident; or
d. Operator of the other auto involved in the accident was convicted of a moving traffic violation and the
applicant or resident operator was not convicted of a moving traffic violation in connection with the accident; or
e. 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 a reasonable time by the applicant or resident operator; or
f. The accident resulted from contact with animals, birds, or falling objects; or
g. The applicant or any resident operator was using the 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
h. The accident was a solo vehicle accident that was principally caused by a hazardous condition of which a
driver, in the exercise of reasonable care, would not have noticed (example, “black ice”).
REFUND OF SURCHARGED PREMIUM
If points have been assigned for an accident and it is later determined that the accident falls under one of the
exceptions in this rule, the company shall refund to the insured the increased portion of the premium generated
by the accident.
SDIP - CONVICTIONS
DRIVING RECORD POINTS
Points will be assigned for convictions during the experience period for motor vehicle violations of the applicant or
any other current resident operator as follows. Points will be assigned to the vehicle customarily driven by the
operator responsible for incurring the points subject to primary class vehicle assignment rules. Only the conviction
points applicable to one individual operator may be applied to a single vehicle.
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1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
CONVICTIONS/VIOLATIONS
POINTS
MAJOR VIOLATIONS, INCLUDING
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DRIVING WHILE INTOXICATED OR UNDER THE INFLUENCE OF DRUGS
(INCLUDING BLOOD ALCOHOL LEVELS OF 0.08 PERCENT OR MORE,
0.05 OR MORE FOR DRIVER UNDER 21 OR, 0.04 PERCENT IF DRIVING
A COMMERCIAL MOTOR VEHICLE OR USING A VEHICLE WHILE BEING
ADDICTED TO THE USE OF ANY DRUG).
FAILURE TO STOP AND REPORT WHEN INVOLVED IN AN ACCIDENT
HOMICIDE OR ASSAULT ARISING OUT OF THE OPERATION OF A MOTOR VEHICLE
SUSPENDED OR REVOKED LICENSE
DRIVING WHILE LICENSE IS SUSPENDED OR REVOKED
RECKLESS DRIVING
LEAVING THE SCENE OF AN ACCIDENT WHICH RESULTS IN BODILY INJURY OR PROPERTY
DAMAGE
VEHICULAR MANSLAUGHTER
SPEED CONTEST/EXHIBIT OF SPEED
DRIVING A STOLEN VEHICLE
DRIVING WHILE AVOIDING ARREST
DRIVING THE WRONG WAY ON A DIVIDED HIGHWAY
ILLEGAL TRANSPORTATION OF EXPLOSIVES
SPEEDING RESULTING IN BODILY INJURY OR PROPERTY DAMAGE
FILING FALSE INSURANCE CLAIMS
FILING FALSE DOCUMENTS WITH THE DEPT OF MOTOR VEHICLES
ALLOWING AN UNLICENSED DRIVER USE OF THE VEHICLE
SPEEDING IN EXCESS OF 100 MPH
ALL OTHER MINOR MOVING TRAFFIC VIOLATIONS
4
Note: Points will not be assigned for major violations # 8-17 (above) or minor moving traffic violations if
committed while operating a motor vehicle for compensation during the hours of employment if, with respect to
a conviction, the employee or applicant has submitted to the insurer a written declaration made by the
employee under penalty of perjury that the applicant or insured was, at that time, operating a motor vehicle for
compensation during the hours of his or her employment. This applies only to those individuals whose specific
duties include driving their employer‟s motor vehicles or individuals who have authority in their name from the
Public Utilities Commission to operate as a highway carrier and who are the registered owners or lease
operators of the motor vehicle used in the operation as a highway carrier.
DECLINING SURCHARGE PLAN
The number of points assigned to each operator will be reduced by one if the operator has incurred no
chargeable accidents or convictions within the preceding 12-month period.
Points will continue to be reduced by one for each additional 12 month period (until they fall out outside the
experience period) if no chargeable accidents or convictions are added.
Conviction points will be reduced first before accident points.
The declining surcharge plan does not apply to violations and accidents with an initial charge of more than 4
points.
Note: Points, once reduced, will not increase for the remainder of the experience period.
REFUND OF SURCHARGED PREMIUM
If points have been assigned for an accident and it is later determined that the accident falls under one of the
exceptions in this rule, the company shall refund to the insured the increased portion of the premium generated
by the accident.
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DISCOUNTS
Discounts
%
10%
Anti Theft Devices
20%
Good Driver
Discount
21%
Good Driver
Plus Discount
5%
Professional
Group Program
5%
Good Student
Away at School
Mature Driver
Improvement
Course
Varies
15%
5%
Requirements
Alarm:
A passive alarm system that includes a shaker device that cannot be
independently deactivated for the rest of the system; or a redundant
starting means; or an internally operated special anti-theft lock for the
hood locking and latching system.
An active, internally operated alarm that includes a forced action
prompter.
A high security ignition replacement lock. (A sticker may identify the
presence of this system.)
Passive:
A passive alarm system, if equipped with a shaker device, permits the
shaker to be independently deactivated for the remainder of the system;
or includes either a redundant starting means or an internally operated
special anti-theft lock for the hood locking and latching system.
A passive fuel cut-off switch.
A passive ignition cut-off system
Good Driver Discount shall be applied to the premiums for all coverages.
Operators that meet the definition of a Good Driver will qualify as a Good Driver
Plus driver if the operator has had no accidents or violations in the last five
years. Operators that qualify as a Good Driver Plus will receive a 5% discount
in addition to the 21% Good Driver discount for a total of 26%.
A factor of 0.95 applies in the premium for Bodily Injury, Property Damage,
Medical Payments, Uninsured Motorists (Bodily Injury and Property Damage),
Comprehensive and Collision coverage if the name insured or spouse/
registered domestic partner is a member of one of one the professional groups
listed in the manual. This discount will apply to each vehicle on the policy.
The owner operator must be a full time student with less than 10 years driving
experience. A certified statement is required from a school official indicating
during the immediately preceding school semester, the student has maintained
a "B" average or an average equivalent to a 3.0 on a 4 point grading system, is
in the upper 20% in his or her class scholastically, or is listed on the "Dean's
List" or "Honor Roll" or equivalent. This discount can only be applied at policy
inception or renewal.
If a youthful operator is a student residing at an educational institution over 100
miles from the auto's principal garaging location and with no vehicle at school,
the student away at school discount shall be applied.
This factor shall be based on the eligibility of the
principal operator of the auto for the mature
driver improvement course discount.
1. The Mature Driver Improvement Course Discount
applies if the principal operator of the
auto is age 55 or older, and has successfully
completed a mature driver improvement course
approved by the California Department of Motor
Vehicles within the three year period immediately
preceding the effective date of the policy
for both new and renewal policies.
2. This discount may be discontinued if the insured
is:
a. involved in an at-fault auto accident, or
b. convicted of a violation of Division 11 of the
Vehicle Code, except Chapter 9 of that Division,
or is convicted of a traffic related offense
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KIC UAH / CA
Multi-Car
Discount
Varies
Package Plus
20%
involving alcohol or narcotics.
3. The discount does not apply in the event the
insured enrolls in, and successfully completes,
an approved course pursuant to a court order.
More than one vehicle on the policy. Also applies to single vehicle policies if a
company car is furnished for the insured's use. A copy of the registration for the
company car must be kept on file in the agent's office.
When a combined Auto and Homeowners policy is written.
COVERAGES
Bodily Injury
Property Damage
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KIC UAH / CA
Limits
Limits
15,000 / 30,000
25,000 / 50,000
50,000 / 100,000
100,000 / 300,000
250,000 / 500,000
500,000 / 500,000
500,000 / 1,000,000
5,000
10,000
25,000
35,000
50,000
100,000
250,000
Medical Payments
Limits
1,000
2,000
5,000
10,000
15,000*
25,000
50,000
*New Limit
Comprehensive
Deductibles
Collision
Deductibles
Full
$50
$100
$200
$250
$500
$1,000
$2,500
$5,000
$100
$200
$250
$500
$1,000
$2,500
$5,000
ANTIQUE VEHICLES
REFER TO COMPANY BEFORE BINDING
An antique vehicle is a private passenger auto 25 years or older and maintained primarily for use in exhibitions,
club activities, parades, and other functions of public interest, and occasionally used for other purposes.
Coverage is not provided on an agreed value basis.
LIABILITY RATES
40% of the Private Passenger auto rate (minimum premium $30)
MEDICAL PAYMENTS AND UNINSURED MOTORISTS RATES
Charge private passenger base rates or premiums.
Attach: PP 0308 Coverage for damage to Your Auto Endorsement
AUDIO, VISUAL, AND DATA ELECTRONIC EQUIPMENT
Coverage is available for loss to any of the following, if at the time of loss they are contained in a vehicle
described in the policy for which this coverage is provided:
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KIC UAH / CA


Tapes, records, discs and other media used with audio, visual or data reproduction, receiving or
transmitting equipment permanently installed in the auto.
Any electronic equipment not specifically designed solely for the reproduction of sound that receives or
transmits audio, visual or data signals.
This coverage applies only if the equipment is:
 Permanently installed in the auto
 Not necessary for the normal operation of the auto or monitoring of the auto's operating systems, and
not an integral part of the same unit housing any sound reproducing equipment permanently installed in
the opening of the dash or console of the auto. This opening must be normally used by the
manufacturer for installation of a radio.
Types of electronic equipment not specifically designed solely for the reproduction of sound for which coverage
may be purchased, but are not limited to:
 Citizens band radios
 Telephones
Two-way mobile radios
Scanning monitor receivers
Television monitor receivers
Video cassette recorders
Audio cassette recorders
Personal computers
Note: Electronic equipment which is specifically designed solely for the reproduction of sound and is:
 Permanently installed in the auto; or
 Designed to be solely operated by use of the power from the auto's electrical system and the
equipment is removable from a housing unit which is permanently installed in the auto;
At the time of loss, along with accessories used with such equipment, is automatically covered under the policy
without additional charge.
When coverage is not purchased for audio, visual and data electronic equipment, coverage for discs and other
media is available for an additional premium charge.
MAXIMUM LIMIT OF LIABILITY FOR EXCESS SOUND REPRODUCING EQUIPMENT
Maximum Limit of Liability for Excess Sound
Reproducing Equipment
1,500
2,000
2,500
3,000
3,500
4,000
4,500
5,000
Premium Per Car
$43.00
$58.00
$86.00
$114.00
$144.00
$172.00
$200.00
$228.00
AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT RATES
Total Cost New of Equipment and Excess
0 - 500
501 - 1,000
1001 - 1,500
1,501 - 2,000
2,001 - 2,500
2,501 - 3,000
Premium
$37.00
$74.00
$111.00
$148.00
$185.00
$222.00
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KIC UAH / CA
3001 - 3,500
3,501 - 4,000
4,001 - 4,500
4,501 - 5,000
5,001 and above
$259.00
$296.00
$333.00
$370.00
Refer to Company
TAPES, RECORDS, AND DISC MEDIA ONLY
$20 per vehicle, subject to a limit of $200
Attach: PP 0313: Coverage for Audio, Visual, and Data Electronic Equipment and Tapes, Records, Discs, and
Other Media Endorsement
AUTO LOAN LEASE GAP COVERAGE
A policy providing both Collision and Comprehensive 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, subject to the following:
Auto Loan/Lease Coverage may be provided only to a vehicle that is a private passenger auto, pickup
or van; and
Coverage may not be added for vehicles more than three model years old
The insured must request the auto loan/lease coverage within 30 days of leasing or financing a Vehicle.
Note: This coverage is included in Repair or Replacement Plus Coverage.
Attach: PP 0335: Auto Loan Lease Gap Coverage Endorsement
AUTO LOAN LEASE GAP COVERAGE RATE
5% of both the Comprehensive and Collision premium
CLASSIC VEHICLES
REFER TO COMPANY BEFORE BINDING
A classic vehicle is a Private Passenger vehicle 10 years or older and may be used on a regular basis. Its value
is significantly higher than the average value of other autos of the same make and model year.
LIABILITY, MEDICAL PAYMENTS, UNINSURED AND UNDERINSURED MOTORISTS COVERAGE RATES
Classify and rate as a Private Passenger auto
PHYSICAL DAMAGE RATES
Determine the stated amount based of coverage applicable the vehicle.
Assign a rating symbol based on the stated amount, from the table for 1990 and subsequent model
years contained in Section 8, Rule 4. Classifications.
Note: For 1989 and Prior Model Years the table for 1981-1989 classifications should be used for symbol
assignment.
Select the appropriate physical damage relativity based on the model year of the vehicle.
Apply the relativity to the base premium found on the state rate pages to develop the physical damage
premium. (For system rated policies, enter a Symbol 9 in the "SYM" field and the required amount of
coverage in the "COST and STD AMT" fields.)
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KIC UAH / CA
Attach: PP 0308 Coverage for Damage to Your Auto (Maximum Limit of Liability)
CUSTOMIZED PICKUPS AND VANS
Coverage is available only when Comprehensive and/or Collision coverage is afforded. Covers, bedliners, and
caps, which are only shells with no facilities for sleeping or cooking, used on pickup trucks are not customized
items.
The value of the custom equipment is added to the original cost new of the vehicle to determine total cost to be
rated.
Attach: PP 0318: Customized Equipment Coverage Endorsement
Determine the cost new of the vehicle, including customization. Multiply the physical damage premium by the
appropriate factor in the table below.
1990 And Subsequent Models
Value
Factor
Less than $20,000.00
1.30
$20,001.00 - $30,000.00
1.70
$30,001.00 - $39,999.00
2.30
$40,000.00 and over
2.50
1989 And Prior Models
Value
Factor
Less than $15,000.00
1.20
$15,001.00 - $25,000.00
1.40
$25,001.00 - $34,999.00
1.55
$35,000.00 and over
1.75
DEATH AND DISABILITY COVERAGE
AUTOMOBILE ACCIDENT COVERAGE: DEATH, DISMEMBERMENT, LOSS OF SIGHT, AND WEEKLY
INDEMNITY
Automobile Death, Dismemberment, Loss of Sight and Weekly Indemnity is available to a designated insured,
or to the designated insured and eligible members of his family under a policy affording auto bodily injury
liability insurance with respect to a private passenger automobile.
FAMILY COVERAGE
Written for the named insured and includes coverage for the following "eligible members" of his family; if a
resident of his household:
the insured's spouse
the unmarried children of the insured or spouse who are over 30 days but under 18 years of age
INDIVIDUAL COVERAGE
Can be written for the named insured, his spouse or members of the named insured's family who will not
qualify as an "eligible member" under Family Coverage.
Automobile Accident Coverage provides indemnity for death, dismemberment, loss of sight and total disability
caused by accidental bodily injury, sustained as follows:
While driving or riding in a vehicle classified and rated as a private passenger automobile
While riding as a passenger in a public automobile
As a consequence of the burning or explosion of an automobile
By being struck or run down by an automobile
Benefit Provision A - Death, Dismemberment and Loss of Sight:
$5,000.00 For Loss of Life
$3,333.33 For Loss of Both Hands, or Both Feet or Sight of Both Eyes
$3,333.33 For Loss of One Hand and One Foot
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KIC UAH / CA
$1,666.66 For Loss of Either a Hand or a Foot
$1,250.00 For Loss of Sight of One Eye
Benefit Provision B - Weekly Indemnity of $30 per week for a maximum of 26 consecutive weeks
Attach: Auto 140: Automobile Accident Coverage
DEATH AND DISABILITY COVERAGE RATES
Benefit Provisions A and B shall not be purchased separately nor shall the limits of coverage be increased or
decreased.
Individual Coverage: $4
Family Coverage: $8
EXCESS AUTO MEDICAL PAYMENTS COVERAGE
Coverage C- Medical Payments may be afforded at a reduced premium under a Personal Automobile Policy
on an excess by means of Auto 18 as follows:
1. No payment shall be made unless the person to or for whom the payment is made shall have executed
a written agreement that the payment shall be applied toward the settlement of a Liability claim.
2. The policy does not apply to that amount of any medical expense that is paid or payable to or on behalf
of the injured persons afforded under other medical coverages;
3. The Company's liability shall not exceed the highest applicable limit of liability for this or any other auto
policy issued by the company to the named insured;
4. If the insured receives a settlement or verdict, the company shall be reimbursed to the extent of the
auto medical payments.
5. If a payment is made under Medical Payments, the company shall have all rights to recovery through
subrogation;
6. If the insured has other excess or contingent insurance on a loss arising out of the use of a temporary
substitute or non-owned auto, the company will be liable for its proportion of the loss.
Attach: Auto 18 Excess Medical Payments Coverages Endorsement.
EXTENDED NON-OWNED LIABILITY COVERAGE
Coverage may be extended to a named insured or resident relative described below, as long as that individual
is not employed by a garage.
ELIGIBILITY
The Extended Non-Owned Coverage endorsement may be used for an individual who owns an auto but also
drives borrowed or rented autos.
Coverage may also be extended to the spouse and resident relatives of that named individual. The term
spouse includes an individual registered under California law as a domestic partner of the insured named in
the policy.
Attach:
PP 0306: Extended Non-Owned Coverage for Named Individual
EXTENDED NON-OWNER LIABILITY COVERAGE RATES
If there is no Primary liability in effect on the vehicle, charge 50% of the liability premium that would apply if the
furnished auto were rated as an owned auto on the policy.
Named insured or a resident relative who is furnished an auto for regular use:
21
KIC UAH / CA
Individual
Named Insured or Spouse
Relation
Bodily Injury
$4.00
$8.00
Property Damage
$2.00
$2.00
Auto not furnished for regular use:
Individual
Named Insured or Spouse
Relation
Bodily Injury
$4.00
$6.00
Property Damage
$2.00
$2.00
MEDICAL PAYMENTS: PREMIUMS PER PERSON
Available only if Bodily Injury and Property Damage coverages are extended.
Rate for $1,000 of coverage shall be $6 for an auto furnished for regular use, and $4 for an auto not furnished
for regular use.
FEDERAL EMPLOYEES USING AUTOS IN GOVERNMENT BUSINESS LIABILITY COVERAGE ONLY
A pickup or van used in the business of the US Government, by an employee of the Government, shall be
considered a private passenger auto only if it
 has a Gross Vehicle Weight of less than 10,000 lbs,
 is not used for the delivery or transportation of goods and materials; and
coverage is limited in accordance wit the Federal Employees Using Autos in Government Business
Endorsement.
Attach: PP 0301: Federal Employees Using Autos in Government Business
GOLF CARTS
A golf cart is a three or four wheel motor vehicle with limited speed capabilities designed to carry golfers and
their equipment around a golf course.
All premiums apply for the period of coverage.
LIABILITY
Charge 25% of Private Passenger base rates. The premiums are subject to a minimum premium (applicable to
the minimum financial responsibility requirement limits in the state).
Minimum premium = $30
PHYSICAL DAMAGE
Coverage
Collision
Comprehensive
Deductible
$200
$100
Rate Per $100
$0.77
$0.62
Attach: PP 0323 Miscellaneous Type Vehicle Endorsement.
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KIC UAH / CA
LIMITED MEXICO COVERAGE
The policy is extended to apply to accidents occurring in Mexico on a trip of ten days or less if within 100 miles
of the United States border at no charge.
Attach: Auto 741: Mexico Coverage Endorsement
MOTOR HOMES
A motor home is a self-propelled motor vehicle with a living area that is an integral part of the vehicle chassis.
The living area must consist of facilities for cooking and sleeping.
Attach:
PP 0323: Miscellaneous Type Vehicles
PP 0328: Miscellaneous Type Vehicles (Motor Homes)
LIABILITY, MEDICAL PAYMENTS, UNINSURED AND UNDERINSURED MOTORISTS COVERAGE RATES
Motor Homes not classified as Pleasure Use- Classify and rate as private passenger autos.
Motor Homes classified as Pleasure Use- (Less than 7,500 miles annually). Rate as follows:
o Determine the Base Premium
o Apply the increased limit factors, if applicable
o Multiply the results in b. by 0.50
o Apply the Package Plus factor, if applicable to the Liability and Medical Payments premium.
The Safe Driver Insurance Plan does not apply.
PHYSICAL DAMAGE RATES
Determine the stated amount value, including any custom built additions.
Assign a model year symbol based on the stated amount, from the table for 1990 and Subsequent
Model Years.
Note: For 1989 and Prior Model Years the table for 1981-1989 should be used for the symbol assignment.
For 1989 and Prior Model Year Motor Homes with a stated amount value of $65,001 and over, increase
the symbol 20 rates as follows: (Statistical Code- Use the code for Symbol 21 A)
o Collision- 1.4% for each $1,000 or part of $1,000 in excess of $65,000
o Comprehensive- 1.7% for each $1,000 or part of $1,000 in excess of $65,000.
For motor homes that are not classified as pleasure use, classify and rate as private passenger autos, using
the base rates calculated above.
For Motor homes classified as pleasure use, determine the premium as follows:
o Determine the Base Premium
o Apply the appropriate symbol factor determined above,
o Multiply the results in (2) by 0.35
o Apply the Package Plus factor, if applicable.
The Safe Driver Insurance Plan does not apply.
For custom built Motor Homes, the model year of the chassis determines the model year of the motor
home.
Attach PP 0328 Miscellaneous Type Vehicle (Motor Homes)
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KIC UAH / CA
PARKED AUTO COLLISION
The Collision Deductible amount will not apply to any loss caused by collision if the vehicle is legally parked
and unoccupied while in the charge of the insured or family member; subject to the provisions of the
endorsement.
Attach: Auto 40: Parked Automobile Collision
PARKED AUTO COLLISION RATES
Limit
$100
$200
$250
$500
$1,000
$2,500*
$5,000*
Premium Car
$12.00
$17.00
$22.00
$45.00
$89.00
$175.00*
$200.00*
*New Limits and Premium Per Car
PICKUPS AND VANS
Pickups and vans should be rated as private passenger vehicles for liability and physical damage. For nonsymbol pickups, determine a symbol based on original cost new from the tables listed below.
When a pickup is used to transport a non-permanently attached camper body, or to transport a camper body
with no facilities for cooking and sleeping:
24
KIC UAH / CA
1. Add the cost of the camper body to the cost of the pickup and determine a symbol from the tables listed
below.
2. Rate according to the instructions above.
Note: There is no charge for caps, which are only shells with no facilities for cooking and sleeping, covers and
bedliners on a pickup.
Symbol
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
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
Symbol Code
1989 and Prior
1
2
3
4
5
6
7
8
J
K
M
N
P
R
S
T
U
V
W
A
Symbol Code
1990 and Newer
1
2
3
4
5
6
7
8
A
C
E
F
G
H
J
K
L
M
N
P
R
T
U
W
X
Y
1989 and Prior
Model Years
$1 - 1,600
1,601 - 2,100
2,101 - 2,750
2,751 - 3,700
3,701 - 5,000
5,001 - 6,500
6,501 - 8,000
8,001 - 10,000
10,001 - 12,500
12,501 - 15,000
15,001 - 17,500
17,501 - 20,000
20,001 - 24,000
24,001 - 28,000
28,001 - 33,000
33,001 - 39,000
39,001 - 46,000
46,001 - 55,000
55,001 - 65,000
65,001 and above
1990 - 2010
Model Years
$1 - 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 and above
2011 and Future
Model Years
$1 - 3,000
3,001 - 5,500
5,501 - 8,000
8,001 - 9,000
9,001 - 10,000
10,001 - 11,000
11,001 - 12,000
12,001 - 13,000
13,001 - 14,000
14,001 - 15,000
15,001 - 15,625
15,626 - 16,250
16,251 - 16,875
16,876 - 17,500
17,501 - 18,125
18,126 - 18,750
18,751 - 19,375
19,376 - 20,000
20,001 - 20,625
20,626 - 21,250
21,251 - 21,875
21,876 - 22,500
22,501 - 23,125
23,126 - 23,750
23,751 - 24,375
24,376 - 25,000
25,001 - 25,625
25,626 - 26,250
26,251 - 26,875
26,876 - 27,500
27,501 - 28,125
28,126 - 28,750
28,751 - 29,375
29,376 - 30,000
30,001 - 31,000
31,001 - 32,000
32,001 - 33,000
33,001 - 34,000
34,001 - 35,000
35,001 - 36,000
36,001 - 37,000
37,001 - 38,000
38,001 - 39,000
39,001 - 40,000
40,001 - 41,250
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KIC UAH / CA
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
98
41,251 - 42,500
42,501 - 43,750
43,751 - 45,000
45,001 - 46,250
46,251 - 47,500
47,501 - 48,750
48,751 - 50,000
50,001 - 52,500
52,501 - 55,000
55,001 - 57,500
57,501 - 60,000
60,001 - 65,000
65,001 - 70,000
70,001 - 75,000
75,001 - 80,000
80,001 - 85,000
85,001 - 90,000
90,001 - 95,000
95,001 - 100,000
100,001 - 110,000
110,001 - 120,000
120,001 - 130,000
130,001 - 140,000
140,001 - 150,000
Rating symbol only
Rating symbol only
Rating symbol only
Rating symbol only
Rating symbol only
150,001 and above
RENTAL REIMBURSEMENT
ONLY APPLICABLE FOR VEHICLES WITH PHYSICAL DAMAGE.
Coverage may be provided for any transportation expenses incurred by the insured as the result of a loss to a
vehicle listed on the policy or a non-owned auto. The rates for this coverage are not subject to classification
rating or modification by any rating plan.
Attach: PP 0302: Extended Rental Reimbursement Endorsement.
Note: Rental Reimbursement is included with Package Plus Classic at the limit of $75 per day/max 2,250.
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KIC UAH / CA
RENTAL REIMBURSEMENT RATES
Monoline Per Day/Max
25/750
35/1050
50/1500
75/2250*
Package Plus Per Day/Max
25/750
35/1050
50/1500
75/2250*
Premium Per Car
Included
$30.00
$40.00
$50.00*
Premium Per Car
Included
$14.00
$20.00
$25.00*
* New Limit and rate per car
REPAIR OR REPLACEMENT PLUS
The limit of liability provisions for Part D, Coverage for Damage to Your Auto, can be changed from actual cash
value to replacement cost for losses caused by other than fire, theft or larceny.
The Limit of Liability for other than these losses will be the lesser of the reasonable cost of repair with parts of
like kind and quality or the cost of a new vehicle of the same make, if possible; similar vehicle size class; and
similar body type and equipment as the damaged vehicle.
For total loss, we will pay the unpaid amount due on the lease/loan less any deductions specified under
the endorsement.
Coverage must be added within 180 days after delivery of the new or leased vehicle.
The endorsement is available only for vehicles purchased or leased new.
Repair or Replacement Coverage must be maintained continuously on the auto. Coverage on the
vehicle cannot be reinstated, once it has been discontinued.
Repair or Replacement Auto Loan Lease Gap Coverage is available only if Collision and
Comprehensive coverage are carried for the auto.
Attach: Auto 684: Repair or Replacement Plus Endorsement
REPAIR OR REPLACEMENT PLUS RATE
12% of the combined Comprehensive and Collision premium for qualified vehicles 5 years of age and
younger.
20% of the combined Collision and Comprehensive premium for qualified vehicles over 5 years of age.
Note: This coverage includes Auto Loan Lease Gap Coverage.
SUSPENSION OF INSURANCE
Under any policy providing only physical damage coverage, only Collision may be suspended. Liability
coverages may not be suspended for risks for which a financial responsibility filing is in effect. Insurance may
be suspended by endorsement in accordance with the following provisions provided the period of suspension
is at least thirty (30) consecutive days:
Insurance may be reinstated upon the named insured's request effective not earlier than receipt of such
request by the company or any of its authorized representatives.
The Reinstatement of Insurance Endorsement shall not extend the policy beyond its original expiration
date.
Pro Rata premium credit shall be granted for the period of suspension upon reinstatement. Companies
can retain a minimum of ninety days premium calculated on a pro rata basis for the policy period.
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KIC UAH / CA
If the policy expires during the period of suspension, the named insured shall be entitled to pro rata return
premium in accordance with the foregoing provisions of this rule with respect to the minimum period of
suspension and minimum premium retention by the company.
Under any policy providing just physical damage coverage, only Collision may be suspended.
Liability coverages may not be suspended for risks for which a financial responsibility filing is in effect.
If Liability coverage is suspended on all owned autos, coverage for which separate premiums apply including uninsured motorists coverage, underinsured motorists coverage, medical payments coverage or
extended liability coverage provided under the use of other autos provisions - may be continued in force
without premium adjustment for these coverages.
If Liability or Collision is suspended on all private passenger autos owned by an individual or husband
and wife, use of other autos coverage, for Liability only, afforded without separate premium charge under
a Personal Auto Policy may be continued in force. In this case, 80% pro rata of the owned auto premium
calculated in accordance with the provisions of this rule shall be returned to the insured upon
reinstatement of the coverages.
Insurance covering a private passenger auto which is withdrawn from service for a period of at least thirty
(30) consecutive days because of a strike, may be suspended. Pro rata return premium on such vehicles
shall be granted in accordance with Section (C) provided the insured furnishes the company with a letter
requesting the return premium. The letter shall be written on the insured's letterhead, signed by an
executive of the company and shall include the following:
o A description of each auto
o The dates between which it was laid up because of the strike
o A statement by the insured that he agrees to reimburse the company for any payment made by
the company on account of any accident, claim or suit involving a coverage for an auto described
in the letter for which return premium has been allowed by the company.
Attach:
PP 0201: Suspension of Insurance Endorsement
PP 0202: Reinstatement of Insurance Endorsement
TOWING AND LABOR COST
ONLY APPLICABLE FOR VEHICLES WITH PHYSICAL DAMAGE.
Attach: PP 0303: Towing and Labor Cost Coverage Endorsement
TOWING AND LABOR COST RATES
Per Occurrence Limit
$25.00
$50.00
$75.00
$100.00*
$200.00*
$300.00*
Premium Car
$6.00
$9.00
$12.00
$15.00*
$20.00*
$30.00*
*New limits and rates per car
Note: Towing and Labor Cost is included with Package Plus Classic at the limit of $300.
TRAILER AND CAMPER BODIES
DESIGNED FOR USE WITH A PRIVATE PASSENGER AUTO
A personal Auto policy affording Liability and Medical Payments coverage covers trailers designed for use with
a Private Passenger auto, pickup, or van and camper bodies designed for use with a pickup at no additional
charge, and without specific description of the trailer or camper body unless:
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KIC UAH / CA
It is used for business purposes with a vehicle other than a Private Passenger vehicle or owned pickup
or van
The insured does not own a vehicle, or
Used as a residence or premises
Liability and Medical Payments Coverage is afforded without additional premium charge for farm wagons and
farm implements when attached to a private passenger auto, pickup or van.
A recreational trailer is a non-self-propelled unit equipped as living quarters including cooking, dining,
plumbing, or refrigeration facilities. A camper body is a non-propelled unit designed to be transported by a
pickup, with or without cooking, dining, sleeping, plumbing, or refrigeration facilities. The camper body may or
may not be permanently attached to a pick up. The insured must maintain a separate and permanent
residence other than the recreational trailer or camper body.
Coverage is not provided on an agreed basis.
Attach: PP 0307-1 Trailer/Camper Body
PHYSICAL DAMAGE RATES – RECREATIONAL TRAILER AND CAMPER BODY
Collision and Comprehensive – Use Motor Home Rates
PHYSICAL DAMAGE RATES – ALL OTHER TRAILERS
Coverage
Collision
Comprehensive
Deductible
$200
$100
Rate Per $100
$0.72
$0.90
Trailers are to be insured as separate items with separate premiums shown for each unit. The deductible
applies separately to each unit.
UNINSURED MOTORISTS
Offered at limits equal to the Split Limit Bodily Injury Liability limit, under every auto liability policy issued or
delivered to the owner of a motor vehicle principally garaged in California.
The named insured may, by agreement in writing, reject such coverage or select lower limits, but may not
select limits less than the Basic Limits.
Note: The written agreement to reject this coverage is binding with respect to:
 Any continuation or renewal of the policy.
 Any other policy which extends, changes, supersedes or replaces the policy, when issued by the same
insurer.
Reinstatement of the policy within 30 days of any lapse.
Attach: PP 0487: Uninsured Motorists Coverage Endorsement.
INCREASED LIMITS
Split Limits
$15,000 / $30,000
$25,000 / $50,000
$50,000 / $100,000
$100,000 / $300,000
$250,000 / $500,000
$500,000 / $500,000
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KIC UAH / CA
UNINSURED MOTORISTS PROPERTY DAMAGE
Rates for $3,500 Property Damage Uninsured Motorists Coverage shall be offered under every auto policy
issued or delivered to the owner of a motor vehicle principally used or principally garaged in the State of
California to which:
 Bodily Injury Uninsured Motorists Coverage is afforded; and
 Collision Coverage is not afforded
The offer must be made in writing in accordance with the procedures in the California Insurance Law.
The named insured may reject this coverage.
The agreement to reject this coverage is binding with respect to:
 any continuation or renewal of the policy
 any other policy which extends, changes, or supersedes or replaces the policy, when issued by the
same insurer.
reinstatement of the policy within 30 days of any lapse.
No other limits are available.
Note: The only rating factors which apply to the base rate are the Good Driver Discount and the Professional
Group Program Discount.
WAIVER OF COLLISION DEDUCTIBLE
This coverage shall be offered under every auto liability policy issued or delivered to the owner of a motor
vehicle or trailer principally used or principally garaged in California to which Bodily Injury Uninsured Motorists
Coverage and Collision Coverage are afforded.
Under this coverage, the insured's Collision deductible will be waived in the event of an accident involving an
uninsured motor vehicle.
The offer must be made in writing in accordance with the procedures in the California Insurance Law.
The named insured may reject this coverage.
The agreement to reject this coverage is binding with respect to
 any continuation or renewal of the policy.
 any other policy which extends, changes, supersedes or replaces the policy, when issued by the same
insurer.
reinstatement of the policy within 30 days of any lapse.
Rate: The following rates apply on a per vehicle basis:
Deductible to be waived
$100
$200
$250
$500
$1,000
$2,500*
$5,000*
Rate
$10
$15
$17
$22
$32
$80*
$100*
* New limit and rates
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KIC UAH / CA
PRIMARY CLASS DETERMINATION
ANNUAL MILEAGE AND USE DETERMINATION
We will use the insured's Vehicle Use declaration and Annual Mileage estimate, rounded to the nearest whole
number, for policy rating purposes. We may request information, from the insured, as is listed below in
Information Requirements, to support the Vehicle Use declaration and/or Annual Miles estimate. An insured
may respond to our information request via means including verbal representation, signed applications,
surveys and questionnaires, narrative responses and supplemental documentation.
Our agents are authorized to secure, represent and/or provide, in consultation with the insured, vehicle use
and annual miles support and policy rating information. Such records shall be retained by the agent, and are
subject to company review and certification upon our request.
Additionally, we may secure this information directly from our insured, or we may use contracted third party
vendors to do so on our behalf. Those records may be retained by the company, or provided to our agents to
retain in their files.
Vehicle Use and estimated Annual Miles will be determined as follows:
NEW BUSINESS AND MID-TERM VEHICLE CHANGES
During the application process, or when a vehicle is being added or replaced during the term of the
policy, the insured shall provide the miles they expect each listed vehicle will be driven during the 12month period following policy inception.
If an insured does not provide vehicle use and/or an estimated annual miles figure, and/or the required
support information, and/or if the information provided does not support the insured's vehicle use and/or
estimated annual miles, we may issue a policy using a reasonable objective use and mileage estimated
based upon the information provided. If a reasonable estimate cannot be determined, we will apply the
appropriate default average vehicle use and annual miles figure:
o Primary Vehicles: 13,000 Annual Miles and Work Use (8 miles to work, 5 days/week)
o Excess Vehicles: 4,000 Annual Miles and Pleasure use (0 miles to work, 1 days/week)
RENEWAL BUSINESS
We will request, at least every three years, that an insured provide the estimated vehicle use and annual miles
for the 12-month period following policy renewal. We may also request information from the insured to support
that estimate. We may, if not requesting updated information, use the vehicle use and annual miles figures
from the expiring policy, or use a reasonable objective estimated based solely on the information requirements
below.
We may renew the policy using either the vehicle use and annual miles figures from the expiring policy, or
using a reasonable objective use and mileage estimate based upon the information requirements set forth
below, whichever we determine is the most reasonable.
We may, if we do not receive a response to our request for updated information, renew the policy using the
appropriate default vehicle use and annual miles figures listed above.
Before renewing a policy, we will provide the insured written notice that highlights the vehicle use an annual
miles rating for the expiring and renewal policies.
VEHICLE USE AND ANNUAL MILEAGE INFORMATION REQUIREMENTS
We may require an insured to provide the following information upon request:
If vehicle is used to drive to work or school, the location of the workplace, school, or other destination,
and if applicable, an estimate of the number of miles the vehicle will be driven in the course of
employment or related activity.
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KIC UAH / CA
The number of days per week the vehicle will be used for driving to work or school.
An estimate of the annual miles to be driven for pleasure or other purposes.
The appropriate total number of miles driven for any time period within the previous 24 months.
The reason for any differences between the estimate for the upcoming 12 months and the miles driven
during the previous 12 months; and
The current odometer reading of the vehicle to be insured.
We may obtain and use smog check odometer readings from the CA Bureau of Automobile Repair to
estimate the annual miles driven.
We may also request, but not require, an applicant or policyholder to provide the following information:
Service records which document the odometer reading of the vehicle to be insured.
The use of technological devices provided by the insurer or otherwise made available to the insured
that accurately collect vehicle mileage information.
CLASS CODE DETERMINATION
Positions 14
Position 5
Position 6
Primary Classification (Marital Status, Gender, Years of Driving Experience, Operator Use Status,
Academic Standing)
1 = Single Car/ Pleasure Use
2 = Multi Car/ Pleasure Use
3 = Single Car/ Short Commute
4 = Multi-Car/ Short Commute
5= Single Car/ Long Commute
6= Multi-Car/ Long Commute
7= Single Car/ Business Use
8= Multi-Car/ Business Use
9=Single Car/ Farm Use
0=Multi-Car/ Farm Use
Accident Surcharge Code
Position 7
Position 8
Violation Surcharge Code
1 = Standard Performance
2 = Intermediate Performance
3 = High Performance
4 = Sports Performance
5 = Sports Premium Performance
6 = Class I Vehicle
7 = Class II Vehicle
Position 9
0 = No Good Driver Credit
1 = Good Driver
2 = Good Driver Plus
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SPECIAL STATE REQUIREMENTS
CALIFORNIA PACKAGE PLUS CLASSIC
PACKAGE PLUS CLASSIC
Personal Property (except tapes & CDs)
Deductible
Tapes & CDs
Deductible
Lock Replacement
Deductible
Airbag restoration for accidental deployment
Deductible
Rental Reimbursement Coverage
Towing Labor
$500
No Deductible
$100
No Deductible
$100
No Deductible
No Deductible
$75/$2,250*
$300*
Note: A minimum of one automobile on the policy with Comprehensive and Collision coverage is required.
Rate = $40 per policy
Attach: Auto 813 California Package Plus Classic - Auto Enhancements.
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ENDORSEMENT INDEX
Endt No
Auto 18
Auto 40
Auto 109
Auto 112
Auto 140
Auto 684
Auto 741
Auto 749
Auto 767
PP 0302
Auto 813
PP 0201
PP 0202
PP 0301
PP 0302
PP 0303
PP 0305
PP 0306
PP 0308
PP 0307-1
PP 0313
PP 0318
PP 0319
PP 0323
PP 0328
PP 0334
PP 0335
PP 0487
PP 0487
PP 0487
PP 1301
Endorsement Name
Excess Medical Payments Coverage
Parked Automobile Collision
Financial Responsibility
Additional Interest
Automobile Accident Coverage
Repair or Replacement Plus
Mexico Coverage Endorsement
Existing Insurance
Exclusion of Named Driver Endorsement
Extended Rental Reimbursement- Package Plus
California Package Plus Classic
Suspension of Insurance
Reinstatement of Insurance
Federal Employees Using Autos in Government Business
Increased Limits Transportation Expense Coverage - Monoline
Towing and Labor Costs Coverage
Loss Payable Clause
Extended Non-Owned Coverage for Named Individual
Coverage for Damage to Your Auto (Maximum Limit of Liability)
Trailer/ Camper Body Coverage
Coverage for Audio, Visual, and Data Electronic Equipment and Tapes, Records, Discs, and Other
Media
Customized Equipment Coverage
Additional Insured Lessor
Miscellaneous Type Vehicles
Miscellaneous Type Vehicles (Motor Homes)
Joint Ownership Coverage
Auto Loan Lease Gap Coverage
Uninsured Motorists Coverage
Split Limit Underinsured Motorists Coverage
Property Damage Uninsured Motorists Coverage
Coverage for Damage to Your Auto
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KIC UAH / CA