Source: http://www.massagent.com/auto/plymouthrock.cfm
Timestamp: 2019-08-24 15:24:55
Document Index: 289490835

Matched Legal Cases: ['arts 1', 'arts 1', 'arts 7', 'arts 3', 'arts 1', 'arts 1']

MAIA's Company Rate Filing Information Company Rate Filing Information
Company Rate Filing Information
Plymouth Rock Filings
The following are the filings made by Plymouth Rock.
Filing No./Overall Rate Indication.. Materials Included Effective Date
PRAC130944126
Rate/Rule
All Rates and Factors
Rule 8. Policy Underwriting Tiers
Rule 20. Household Risk Factors
Rule 32. Discounts
Miscellaneous Rating Factors
Markup of Changes
07/01/17 New/Renew
PRAC130917900
Rule 8. Policy Underwriting Tier
PRAC130825659
Form/Rate/Rule
Only Available to policies in the Prime Program (Tiers 00-9Z) Rate is 15% of combined coverages parts 1, 2, 4, 5, 7 8 and 9.
TNC Auto Coverage Endorsement – PRA MA 228 04/17
MA Personal Auto Application – PRA MA 500 04/17
Rule 16. Additional Coverage – Added TNC Auto Coverage Endorsement
05/01/17 New/Renew
PRAC130874917
PRAC130916830
PRAC130936651
PRAC131007271
PRAC131034528 Groups 04/17
PRAC130697286
New England Patriots Assurance Plus Endorsement – PRA MA 012 01/17
Amendatory Endorsement – PRA MA 099 01/17
Provides an explicit grace period for expired licenses of 90 days.
Assurance Plus Endorsement – PRA MA 213 01/17
AARP Assurance Plus Endorsement – PRA MA 213A 01/17
Rewards Plus Endorsement – PRA MA 111-01-17
AARP Rewards Plus Endorsement – PRAC MA 113-01-17
Rule 11. Premium Calculation
Rule 12. Discounts
Rule 13. Merit Rating Plan
Rule 31. Premium Calculation
Listed of Endorsements for Use with Underwriting Tiers BB-XXXVII
List of Forms/Endorsement for Use with Underwriting Tiers 00-9Z and all Motorcycles and Antique Motorcycles
Class-Territory Rating Factors
01/02/17 New/Renew
PRAC130555771
10/01/16 New/Renew
PRAC130608219
New England Patriots Assurance Plus Endorsement
Patriots Get Home Safe
Patriots Assurance Plus
Fan Benefit Savings Pass
Coverage Options – Rates and Rating Factors
Rule 15. Additional Coverage Packages
09/01/16 New/Renew
PRAC130475001
Accident Forgiveness Endorsement – PRA MA 205 07/16
Amendatory Endorsement - PRA MA 099 07/16
Class Territory Relatives
Model Year/Symbol Factors
Increased Limit Factors/Minimum Premiums
Residual Market Rates – Increased Limit Factors and Flat Rates
Relative Mileage Rating/Driver Experience Factor Tables
Tenure with Prior Carrier Rating Factor Table
Merit Rating Plan Factors
Class Territory Residual Market Changes
Misc. Rating Factors
Increased Limit Factors and Base Rates
Rule 18. Mileage Band Rating
Forms and Endorsement for Motorcycle and Antique Auto
07/01/16 New/Renew
PRAC130404353
PRAC130410549
PRAC130450325
PRAC130475064
PRAC130558410
PRAC130535513
PRAC130589189
PRAC130661445
PRAC130712322
PRAC130737955
PRAC130767886
PRAC130793954 Groups 02/16
PRAC130412064
Rule 38. Mileage Band Rating
04/01/16 New/Renew
PRAC130378005
Residual Market Load – (Tiers 00-9Z) (parts 1, 2, 4)
Driver Incident Factors
Years Licensed Range and Driver Incident Factor
Unverifiable License Factors
Household Structure Factor
Market Type Factors
PRAC130241856
Both Rates Eff. 01/02/16 for Tiers BB-XXXVII & Residual Market Rates 10/01/13
Relative Mileage Rating Grouping and Driving Experience Factor Tables
Driving Experience Factor Table
Relative Mileage Rating Grouping and Factor Tables – Road Density Regions
Relative Mileage Rating Grouping and Factor Tables – Average Mileage by Category
Merit Rating Plan Factors’
Liability, PIP and MedPay Symbol Factors
Class-Territory Residual Market Charges
MRB Violation Codes to PRAC CSC Codes
01/02/16 New/Renew
PRAC130137861
10/01/15 New/Renew
PRAC130017715
We are submitting this filing as part of a broader aligned approach that Plymouth Rock and its affiliates are taking in multiple states through the introduction of a new product, called Prime.
The goal is to improve our rates and product offerings by achieving new efficiencies with the aligned approach across states and companies, while meeting state-specific requirements. This filing includes a new private passenger rate and rules manual (the “New Manual”) and accompanying endorsements and forms.
New “Prime” business will fall under the new forms and rates, effective 9/1/2015. Current customers will not be impacted by this New Manual until they are converted from our legacy program into the Prime program. We are not currently in a position to provide details about the timing or process for converting existing customers into Prime. We anticipate communicating our conversion plans after Prime has been launched for a period of time, with conversion likely beginning at least12 months after Prime becomes effective for new business.
The New Manual has been extensively restructured from the previously approved manual (the “Old Manual”), which we have submitted with this filing for reference purposes. The changes reflected in the New Manual fall into four categories:
PRIME/Legacy:
Personal Auto Coverage Selections Page – PRA-A 200 01/15
Amendatory Endorsement –
PRA MA 099 01/15…
New Car Replacement Endorsement –
PRA MA 101 01/15
Assurance Preferred Endorsement –
PRA MA 209 01/15
Assurance Premier Endorsement –
PRA MA 210 01/15
Assurance Plus Endorsement –
PRA MA 213 01/15
AARP Assurance Plus Discount –
PRA MA 213A 01/15
Accident Forgiveness Endorsement –
PRA MA 205 01/15
Extended Non-Owned Coverage Endorsement – PRA MA 207 01/15
Optional New Car Replacement Endorsement – PRA A 211 01/15
Auto Loan-Lease GAP Coverage Endorsement – PRA MA 212 01/15
Excluded Driver Endorsement – Massachusetts – PRA MA 217 01/15
Plymouth Rock Safety Pledge –
PRA MA512 01/15
Massachusetts Personal Auto Application – PRA MA 500 01/13
Residential Market Load
Driver Incident Factors: no incident; 1 Incident; 2 incidents; 3+ incidents
Years Licensed Range and Driver Incidents Factors
Incident Merit Factors
Model Year Factors
Symbol Factors
Cost New Factors
Mileage Band Rating – Road Density Regions
Road Density Regions
Mileage Band Rating – Average Mileage
Mileage Bank Rating – Relative Mileage Rating Group
SR-22 Factors
Miscellaneous Vehicle and Policy Types Rating
Household Structure Factor Table I
Household Structure Factor Table II
Household Structure Factor Table III
Household Structure Factor Table IV
Household Structure Factor Table V
Rating Territory Factors
Residual Market Rates – Class-Territory Base Rates
Residual Market Rates – Increased Limits Factors and Flat Rates
Class-Territory Relativities Factors
Relative Mileage Raging Groups and Driving Experience Factor Table
Relative Mileage Rating Groups and Factor Tables – Road Density Regions
Relative Mileage Rating Grouping and Factor Tables - Average Mileages by Category
OLD Manual of Rules Legacy Program
Rule 1. Massachusetts Automobile Insurance Policy – Eligibility
Rule 2. Coverage and Limits
Rule 3. Mandatory Offer of Coverage
Rule 4. Standard Procedures
Rule 5. Residence and Location
Rule 6. Out-of-State Garaging
Rule 7. Policy Period
Rule 8. Changes
Rule 9. Motor Vehicle Registration Certificates
Rule 10. Certified Risks – Financial Responsibility Law
Rule 11. Premium Calculation Rule
Rule 12. Whole Dollar Premium Rule
Rule 13. Installment Payment of Premiums
Rule 14. Deposit Premium Rule
Rule 15. Employers Subject to Massachusetts Workers Compensation Act
Rule 16. Deductibles – Parts 7, 8 and 9
Rule 17. Substitute Transportation
Rule 18. Termination of Insurance
Rule 19. Discounts
Rule 20. Model Year Rating
Rule 21. Fire, Theft and Combined Additional Coverage
Rule 22. Symbol Assignment and Rating
Rule 23. Liability & Pip – Medical Payment Symbol Rating
Rule 24. Transfer Pricing
Rule 25. Vehicle Series Rating
Rule 26. Mileage Band Rating
Rule 27. Tenure with Prior Carrier
Section II – Private Passenger Automobiles
Rule 28. Private Passenger Definition
Rule 29. Private Passenger Classifications
Rule 30. Policy Underwriting Tiers
Rule 31. Personal Injury Protection - Deductible Form
Rule 32. Pick-ups, Vans, and Similar Type Vehicles
Rule 33. Towi9ng and Labor Cost
Rule 34. Trailers Designed for Use with Private Passenger Motor Vehicles
Rule 35. Replacement Cost Coverage
Rule 36. Modified Cap Factor
Rule 37. Accident Forgiveness Coverage
Rule 38. Rewards Plus Endorsement
Rule 39. AAPR Rewards Plus Endorsement
Section III – Miscellaneous Motor Vehicles and Coverages
Rule 40. Motor Homes/Camper Bodies
Rule 41. Antique Motor cars and Motorcycles
Rule 42. Stated Amount
Rule 43. Golfmobiles and Lawnmowers (motorized)
Rule 44. Snowmobiles
Rule 45. Motorcycle, Motorscooters, Mopeds and Similar Motor Vehicles
Rule 46. Agreed Amount Coverage
Rule 47. Excess Electronic Equipment Coverage
Rule 48. Customized Vans and Pickups
Rule 49. Original Equipment Manufacturer Parts Coverage
Section IV Non-Owned Automobiles
Rule 50. Named Non-Owner Policy
Rule 51. Use of Other Automobiles
Rule 52-53. Reserved for Future Use
Rule 54. Anti-Theft Devices Standards and Discounts
Section V – Supplemental Information
Rule 55. Pre-Insurance Inspection
Rule 56. Merit Rating Plan
Rule 57. Surety Bond Rules and Rates
58. Registry of Motor Vehicle Procedures
Approved Motorcycle Training Sites
NEW Manual of Rules – PRIME
Rule 2. Standard Procedures
Rule 3. Private Passenger Classification
Rule 4. Model Year Rating
Rule 5. Model Year Rating
Rule 6. Miscellaneous Vehicles
Rule 7. Standard Coverages
Rule 9-10. Reserved for Future Use
Section II – Tier 00-9Z Rules
Rule 14. Certified Risks – Financial Responsibility Laws
Rule 16. Additional Coverages
Rule 17. Vehicle Model Year and Symbol Rating
Rule 19. Non-Owned Coverage
Rule 20. Household Risk Factor
Rule 21. Household Structure
Rule 22. Market Type
Rule 23-30. Reserved for Future Use.
Section III – Tier 00-9Z Rate Tables
Section IV – Tier BB-XXXVII Rules
Rule 31. Premium Calculation Rule
Rule 33. Merit Rating Plan
Rule 34. Certified Risks – Financial Responsibility Laws
Rule 35. Additional Coverage Packages
Rule 36. Additional Cove3rages
Rule 37. Vehicle Series Rating
Rule 39. Tenure with Prior Carrier
Rule 40. Named Non-Owned Policy
Rule 41. Use of Other Automobiles
Section V – Tier BB-XXXVII Rate Tables
PRAC129973442
Class-Territory Base Rates
Increased Limit Factors For Parts 3, 4, 5, 6 & 12/Minimum Premiums for Parts 1, 2, 4, 5, 7, 8 & 9
Relative Mileage Rating Group & Driving Experience Factor Tables
Relative Mileage Rating Grouping and Factor Tables – Average Mileages by Category
07/01/15 New/Renew
PRAC129869191
PRAC129964385
PRAC129975302
PRAC130000756
PRAC130088165
PRAC130208821
PRAC130334827 Groups 04/15
PRAC129709936
Driving Experience Factor Tables
Average Mileages by Category
Class- Territory Residual Market Charges
01/02/15 New/Renew
PRAC129564565
Mark up of Changes
08/01/14 New/Renew
PRAC129393532
Rate/Rule:
Rule 19. Discounts – Companion Policy Discount & Advanced Issue Discount
Class – Territory Base Rates
Increased Limits Factors and Minimum Premiums
Relative Mileage Rating Groups and Driving Experience Factor Tables
Relative Mileage Rating Groups and Driving Experience Factor Tables – Road Density Regions
06/01/14 New/Renew
PRAC129341727
Forms & Endorsements:
Adopted AIB Endorsements:
Medical Payments – M-109-S (ed-04/14)
Personal Vehicle Sharing Exclusion – M-0108-S (ed. 4/14)
Alpha Index of Endorsements
04/14/14 New/Renew
PRAC129332467
PRAC129334965
PRAC129365218
PRAC129445926
PRAC129532675
PRAC129668272
PRAC129759047
PRAC129705054
PRAC129211596
Form & Endorsements:
AARP Rewards Plus Endorsement –
PRAC MA- 113-12-13
Rewards Plus Endorsement –
PRAC MA – 111-12-13
Rewards Plus Endorsement - Mark up of Changes
Savings Pass Endorsement -
PRAC MA – 102-12-13
Saving Pass Endorsement – Mark up of Changes
Table of Contents to Manual
Rule 38 Rewards Plus Endorsement
Rule 39. AARP Rewards Plus Endorsement
Private Passenger Endorsement Alpha Index
12/15/13 New
02/01/14 Renew
PRAC129112112 Installment Plan for Employers Group Marking Plan 09/01/13 New/Renew
PRAC128984543
Rule 19. Discounts—Modified Companion Policy Discount
Rule 22. Symbol Assignment & Rating—Modified
Rule 26. Mileage Band Rating—Modified
Rule 29. Private Passenger Classification—Modified Class 10 & 15 to include language “at some point during the policy term”
Rule 30. Policy Underwriting Tiers—Revised
Rule 36. Modified Cap Factors—Revised
Relative Mileage Rating Grouping:
Driver Experience Factors Tables
Average Mileage by Category
Tenure with Prior Carrier Table
Merit Rating Factors
Liability, PIP & Med Pay Symbol Factors
09/01/13 New/Renew
PRAC129001050
PRAC128838779
PRAC128781274
PRAC129210434
Groups 07/13
04/01/13 New/Renew
PRAC128618760 +2.9%
Base Rates: Parts 1, 2, 3, 4, 5, 6, 7, 9
Residual Market Load Table
Removed language Motorcycle Rating
Rules: New Rule 27 - Tenure With Prior Carrier
Because of new Rule 27 the following Rule numbers have changed:
Rule 27 is Now Rule 28
Rule 28 is now Rule 29
Rule 29 is now Rule 30
Rule 30 is now Rule 31
01/01/13 New/Renew
PRAC128736378
PRAC128086413
PRAC127977879
Groups 11/07/12 New/Renew
PRAC128394338 Rules. 11, 24 (New rule 24 - Transfer Credit) 08/01/12 New/Renew
PRAC128010421 +3.7% Rates
Rule: 22 05/15/12 New/Renew
PRAC128007973 Installment Payment Plan 05/01/12 New/Renew
PRAC127923100
MA Mandatory Endorsement (ACV)
Get Home Safe PRAC Auto MA
04/01/12 New/Renew
PRAC127812222
PRAC127059215
PRAC127344087
PRAC127009571
Groups 12/15/11 New/Renew
PRAC127647074
Get Home Safe Endorsement
Rule: 36 11/15/11 New/Renew
PRAC127291424 +1.4%
Merit Rating Plan Statement
Rules: 11, 16, 19, 26, 28, 29, 37, Misc. Rating Factors
11/01/11 New/Renew
PRAC127137123 Complete Manual-marked
Rules: 28, 35 06/30/11 New/Renewal
PRAC127094608
06/30/11 New/Renew
PRAC126896531
+3.7% Complete Manual - marked
Rules: 11, 16, 37, Misc. Rating Factors
Rates 04/01/11 New/Renew
PRAC126853876
Complete Manual - marked
Rule: 16, 37
02/01/11 New/Renew
PRAC126853955 Forms and Endorsements:
12/10/10 New/Renew
PRAC126629490 +1.4% Complete Manual - marked
Rules: 1, 3, 4, 5, 8, 11, 12, 16, 18, 19, 22, 23, 24, 26, 27, 28, 29, 31, 38, 49, 50, 56, 57, 58
Rates 10/1/10 New/Renew
PRAC126689951
10/01/10 New/Renew
PRAC126544410
Rule: 16 09/01/10 New/Renew
PRAC126737952
PRAC126689956
PRAC126680210
PRAC126483583 Groups 08/16/10 New/Renew
PRAC126510204 Rule: 55 03/05/10
PRAC126415945 Rates - Motorcycle 03/04/10 New/Renew
PRAC09NOV30871
Deductible Dollar
Rule 16, Misc. Rating Factors 02/15/10 New/Renew
PRAC09NOV10992 Installment Plan 11/30/09 New/Renew
PRAC09OCT21027 +2.8% Rates
Rule 35 01/11/10 New/Renew
PRAC09OCT06971
PRAC09JUN18376
PRAC09JUN24428
PRAC09MAY12726
PRAC09FEB11150
PRAC09FEB09740
Groups 12/01/09 New/Renew
PRAC126176541
Extended Coverages for Motor Club Members – PRAC MA-109-10-09
Rule 38. Extended Coverage for Motor Club Members Endorsement
10/01/09 New/Renew
PRAC09JUL10473 Rules: 19, Misc. Rating Factors
09/01/09 New/Renew
PRAC09JUN22683 +0.3% Rates 09/15/09 New/Renew
PRAC09JUN23938
07/31/09 New/Renew
PRAC09MAY15468 +3.5% Rates
Risk Value Factors 09/01/09 New/Renew
PRAC09APR16517
07/15/09 New/Renew
PRAC117566 Forms Index 02/01/09 New/Renew
PRAC125914759 List of Endorsements 02/01/09 New/Renew
PRAC116242
Rules: 19
02/01/09 New/Renew
PRAC117140 Installment Plan 12/01/08 New/Renew
Initial Filing -7.3%
2007 AIB with Exceptions:
Rules: 11, 16, 19, 20, 29, 35, 37, 48, Misc. Rating Factors
04/01/08 New/Renew