Consideration for NAF may be on a refer to company basis. Company should consider circumstances if more than one NAF accident. If new business may limit to no more than 3 youthful operators. If new business may be considered on a refer to underwriting basis. Retiering because of Addition of Youthful Operator Cannot retier entire policy based solely on the addition of a youthful operator unless there are other factors present that warrant the retiering.
Maine law permits appropriate rating of youthful operators.
Only Not Acceptable, must be tied in with renovations. Can't be used for tier placement if all other criteria for the tier are met. Pet Exclusions Fine for pets that have history of violence, should be refer to underwriting based on breed. For PC10, must accept otherwise eligibles in the standard but may rate them accordingly. For PC9, cannot be ineligible for lower priced tiers but can be on a refer to underwriting basis.