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STATE OF CALIFORNIA Edition Date: 11/10/2009
DEPARTMENT OF INSURANCE (CDI) Department Use Only
FILING NO.:
PRIVATE PASSENGER AUTO CLASS PLAN APPLICATION
SERFF No.: ____________
Your file #:
DATE RECEIVED:
SERFF
CD (plus 1 paper copy) COMPLIANCE DATE:
Paper (1 original plus 1 copy
DATE PUBLIC NOTIFIED:
Latest applicable CDI File No. for this Program:
DEEMER DATE:
Does this file contain group data? Yes No INTAKE ANALYST:
Note: Complete application page CP2 if this is a group filing. BUREAU CODE & SR:
GROUP X-REF:
RATE CHG X-REF:
REMARKS:
Company Name Group Name
NAIC Company Code NAIC Group Code
Organized Under the Laws of the State of
Check Applicable Line(s) of Insurance as shown on the Annual Statement:
PP Auto Liability PP Auto Physical Damage
Program Name
Home Office
Main Administrative Office in California
Name and Title of Contact Person
Toll Free Phone No.: Fax No:
Email Address (if available):
Mailing Address
I declare under penalty of perjury, under the laws of the State of California, that the information filed is true,
complete, and correct.
Authorized Signature Date of Filing Telephone Number
Important note: Refer to CDI website at http:www.insurance.ca.gov for data that may be needed to complete this application.
CP - 1
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
INSURER GROUP MULTI-COMPANY FILING
List each insurance company in alphabetical order.
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
Company Name CDI Filing No.
( Department use only )
NAIC Company Code
CP - 2
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
PRIVATE PASSENGER AUTO CLASS PLAN SUBMISSION DATA SHEET
Type of Vehicles in Program: Private Passenger Auto
(Refer to CIC 660 and 669.7 for vehicles for vehicles subject to this application.) Motorcycle
Classic and Collector Auto
Other (Identify)
Indicate the purpose of this filing; multiple items may be selected. Required Required
Application Pages Exhibits
New Program CP-1 to CP- 9 1-7, 9-14
Revision to Existing Class Plan CP-1 to CP-10 1-14
Corresponding Rate Change
Filing has been submitted
with this Filing
Change in zip code CP-1 to CP-4, CP-7 and CP-8 1, 2, 5 and 7
rating band assignments
Me Too Filing without deviation* CP-1 to CP-10 1-3, 6, 11-15
(Adopting another company's rating plan.)
Me Too company name:
Me Too company file number:
Me Too Filing with deviation* CP-1 to CP-10 1-7, 10-15
Me Too company name:
Me Too company file number:
Symbol and Vehicle Series Filing** CP-1 to CP-4 1-3 and 14
____ Introducing or Revising Symbols
____ Annual Symbol Filing
____ Change in Symbol Methodology
*A Deviation in Me Too filings means: any departure from the Me Too company's rating plan with respect to the selection
of rating factors, the definition of each rating factor and any changes made to the corresponding relativities associated with
each rating factor. Me Too's with deviation must be supported with statistical data.
** The term "Auto Symbol" means any symbol based on the vehicle price, repair cost, or damageability used to
calculate any rate or premium for PPA insurance. Symbol and vehicle series filings are intended to include the make,
model, value, and cost of repair.
CP - 3
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
Use this document to assemble a complete application.
FILING CHECKLIST
Use this checklist to assemble all documents to constitute a proper filing.
CP 1: Company Information
CP 2: Insurer Group Multi-Company Filing
CP 3: Class Plan Submission Data Sheet
CP 4: Filing Checklist
CP 5: Rating Factors Checklist
CP 6: Sequential Analysis Data Source
CP 7: Frequency and Severity Bands Development
CP 8: Factor Weights Summary Table
CP 9: Rating Logic
CP10: Market Dislocation Summary
SUPPORTING EXHIBITS
Exhibit 1: Explanatory Memorandum
Exhibit 2: Filing History
Exhibit 3: Data Availability
Exhibit 4: Sequential Analysis
Exhibit 5: Frequency and Severity Rating Bands Development
Exhibit 6: Relativities for Each Rating Factor
Exhibit 7: Factor Weights
Exhibit 8: Revenue Neutral
Exhibit 9: Development of Rate Manual
Exhibit 10: Rating Logic
Exhibit 11: Good Driver Discount Guidelines
Exhibit 12: Rate Manual
Exhibit 13: Underwriting Guidelines
Exhibit 14: Symbols and Vehicle Series
Exhibit 15: Copy of adopted company's sequential analysis (Me Too Filings)
CLASS PLAN PROGRAMS
List ALL approved class plans by program name for each company / group.
Programs: Most Recent CDI File Number:
1
2
3
4
5
CP-4
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
11/10/2009
Edition Date:
Rating Factors Checklist
For each line (Liability and Physical Damage), check the rating factors that are being proposed
for this program.
RATING FACTORS COVERAGE
MANDATORY FACTORS BI PD MED UMBI UMPD Comp. Coll.
Driver Safety Record
Annual Mileage
Years of Driving Experience
OPTIONAL FACTORS
Type of Vehicle
Vehicle Performance
Type of Use of Vehicle
Percent Use
Multi-Car Households
Academic Standing
Driver Training*
Vehicle Characteristics**
Gender
Marital Status
Persistency
Non-Smoker
Secondary Driver Characteristics
Multi-Policy
Relative Claims Frequency
Relative Claims Severity
*Includes Completion of Defensive Driver Courses
**Includes characteristics such as anti-theft, airbags, anti-lock brakes, engine size or damageability.
The weights of the factors must align in decreasing order of importance
as follows: driving safety record must have the most weight followed by
annual miles driven followed by years of driving experience followed by each
individual weight of each optional factor.
When completing the sequential analysis, each rating factor should be identified according to
CCR 2632.5, Rating Factors, afterwhich unique company descriptions may be shown.
CP - 5
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
Sequential Analysis Data Source Information
Identify the data source used to perform the sequential analysis. The insurer may use only one of the
following for every rating factor.
`
The Insurer's own data.
The insurer's own data and the data from a single alternative source of primary data.
Identify the single alternative data source of primary data:
Identify the corresponding CDI file number:
Data from a single alternative source of primary data; such as an advisory organization.
Identify the single alternative source of primary data:
Identify the corresponding CDI file number:
The indicated relativity from the approved plan of another insurer with a similar book
of business.
Identify the insurer:
Identify the CDI filing number of the approved plan:
Have any deviations from the approved plan been made? Yes No
If Yes, identify the changes:
Data that may be published by the Department
Data that may be published by the Department and the insurer's own data.
Identify the Deparment data source:
Identify the method applied: Loss Residual Prior Relativities Other
If using an "Other" method, provide an explanation of how the applied method complies
with CCR 2632.7 and a computer file that shows the sequential analysis results.
Note: Though "other" methods may be acceptable, the insurer must demonstrate that the
chosen method is mathematically equivalent and does produce the same results as the Loss
Residual or Prior Relativities methods.
Important Note: Refer to CCR Section 2632.9 for the full regulatory text concerning the use of data.
CP - 6
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
11/10/2009
Edition Date:
Frequency and Severity Rating Bands Development
For all class plans except Symbol and Vehicle Series filings, this application page must be completed.
Select the item(s) that apply to your filing. Provide the needed information in Exhibit 5.
1. List the data sources used in determining the Frequency and/or Severity rating bands.
The California Frequency and Severity Bands Manual referenced in CCR 2632.9(e)
shall not be considered a data source for the purpose of of section 2632.9(b) and restrict
an insurer from selecting one of the options selected there.
2. Describe the process used for developing the Frequency and/or Severity rating bands in Exhibit 5.
3. Provide the rating band rates for each coverage and for each rating band in Exhibit 5.
The rating bands may not exceed 20 each for frequency and severity.
4. Zip Code Rating Band Reassignment (Explain in Exhibit 5)
Provide the supporting data for reassigning previously approved zip codes
into another rating band.
a. Identify each zip code proposed for rating band reassignment.
b. For each zip code rating band reassignment, list the current and proposed rating band and the
respective rating band definitions.
c. For each zip code rating band reassignment, provide the supporting data and justification.
d. State the total rate impact of the zip code rating band reassignment, showing the calculation.
5. Provide an explanation if this application page does not apply to your filing.
Reference CCR 2632.9, Use of Data
CP - 7
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
FACTOR WEIGHTS SUMMARY TABLE
Rating Factors Coverage: Bodily Injury Coverage: Property Damage
Intitial Correction Final Intitial Correction Final
Weight Factor* Weight Weight Factor* Weight
Driver Safety Record
Annual Mileage
Years of Driving Experience
Type of Vehicle
Vehicle Performance
Type of Use of Vehicle
Percent Use
Multi-Car Households
Academic Standing
Driver Training**
Vehicle Characteristics***
Gender
Marital Status
Persistency
Non-Smoker
Secondary Driver Characteristics
Multi-Policy
Relative Claims Frequency
Relative Claims Severity
*Complete only if factor modified.
**Includes Completion of Defensive Driver Courses
***Includes characteristics such as anti-theft, airbags, anti-lock brakes, engine size or damageability.
1. Identify the data source used for the weighting calculations: YES NO
a. The company's insured vehicles as of
b. The same data used to perform the sequential analysis
c. The CDI data file (10,000 vehicle record)
2. Are BI and PD combined for calculating the factor weights?
If yes, use the BI columns to show the combined weights.
Important note: When computing the factor weights, a single data source must be used for each coverage
and for all rating factors within that coverage.
For assistance in completing this application page and Exhibit 7, the Department has prepared the following
material :
1. Proxy Weighting Calculation
2. Mileage and/or Years Licensed & Allowable Optional Rating Factor Form (Ref. CIC 2632.5(e))
3. CDI 10,000 Vehicle Record Data Set
CP - 8a
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
FACTOR WEIGHTS SUMMARY TABLE
Rating Factors Coverage: Med Pay Coverage: UM
Intitial Correction Final Intitial Correction Final
Weight Factor* Weight Weight Factor* Weight
Driver Safety Record
Annual Mileage
Years of Driving Experience
Type of Vehicle
Vehicle Performance
Type of Use of Vehicle
Percent Use
Multi-Car Households
Academic Standing
Driver Training**
Vehicle Characteristics***
Gender
Marital Status
Persistency
Non-Smoker
Secondary Driver Characteristics
Multi-Policy
Relative Claims Frequency
Relative Claims Severity
*Complete only if factor modified.
**Includes Completion of Defensive Driver Courses
**Includes characteristics such as anti-theft, airbags, anti-lock brakes, engine size or damageability.
1. Identify the data source used for the weighting calculations: YES NO
a. The company's insured vehicles as of
b. The same data used to perform the sequential analysis
c. The CDI data file (10,000 vehicle record)
Important note: When computing the factor weights, a single data source must be used for each coverage
and for all rating factors within that coverage.
For assistance in completing this application page and Exhibit 7, the Department has prepared the following
material:
1. Proxy Weighting Calculation
2. Mileage and/or Years Licensed & Allowable Optional Rating Factor Form (Ref. CIC 2632.5(e))
3. CDI 10,000 Vehicle Record Data Set
CP - 8b
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
FACTOR WEIGHTS SUMMARY TABLE
Rating Factors Coverage: Comprehensive Coverage: Collision
Intitial Correction Final Intitial Correction Final
Weight Factor* Weight Weight Factor* Weight
Driver Safety Record
Annual Mileage
Years of Driving Experience
Type of Vehicle
Vehicle Performance
Type of Use of Vehicle
Percent Use
Multi-Car Households
Academic Standing
Driver Training**
Vehicle Characteristics***
Gender
Marital Status
Persistency
Non-Smoker
Secondary Driver Characteristics
Multi-Policy
Relative Claims Frequency
Relative Claims Severity
*Complete only if factor modified.
**Includes Completion of Defensive Driver Courses
**Includes characteristics such as anti-theft, airbags, anti-lock brakes, engine size or damageability.
1. Identify the data source used for the weighting calculations: YES NO
a. The company's insured vehicles as of
b. The same data used to perform the sequential analysis
c. The CDI data file (10,000 vehicle record)
2. Are Comp and Coll combined for calculating the factor weights?
If yes, use the Comp columns to show the combined weights.
Important note: When computing the factor weights, a single data source must be used for each coverage
and for all rating factors within that coverage.
For assistance in completing this application page and Exhibit 7, the Department has prepared the following
material:
1. Proxy Weighting Calculation
2. Mileage and/or Years Licensed & Allowable Optional Rating Factor Form (Ref. CIC 2632.5(e))
3. CDI 10,000 Vehicle Record Data Set
CP - 8c
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
Edition Date: 11/10/2009
RATING LOGIC
Provide the current and proposed premiums based on the following examples, showing the details in Exhibit 10.
Premium
Change Current Proposed
Summary Premium Premium Premium Term
Example 1: Six Months
Example 2: Annual
Example 3:
Example 4:
Limits of Insurance BI ( 000's) PD (000's) Med UMBI (000's) UMPD Comp Coll
Example 1 15/30 5 2,000 ` 3,500 na na
Example 2 100/300 50 5,000 30/60 na 100 ded 200 ded
Example 3 100/300 50 5,000 30/60 na 100 ded 200 ded
Example 4 100/300 50 5,000 30/60 na 100 ded 200 ded
The following profiles assume no persistency, no multi-policies, and all non-smokers.
Example Profile 1 - Zip Code 90036 - Los Angeles Example Profile 2 - Zip Code 92612 - Irvine
1 At Fault PD Accident ($1,000 damage) No violations
15,000 Annual Mileage 16,000 Annual Mileage
Licensed 2 Years Licensed 22 Years
Single Male Single Female
2.4 GPA Commute 20 miles each way to work
Commute to school 15 miles each way Company Assumptions:
Waiver of Collision Deductible
Vehicle: 2001 Ford Escort, LX, 4 cyl automatic 4Dr. Sedan Vehicle: 2008 Honda Accord LX, 4 cyl., Sedan
Company assumptions shown in Exhibit 10? Yes No Company assumptions shown in Exhibit 10? Yes No
Example Profile 3 (Family Risk) - Zip Code 94605 - Oakland
Driver 1 Driver 2 Driver 3
1 Speeding Ticket 1 Speeding Ticket Clean Driving Record
20,000 Annual Mileage 12,000 Annual Mileage Licensed 1 Year
Licensed 28 Years Licensed 26 Years Non-Principal Operator
Principal Operator Principal Operator Pleasure Use of Veh 1
Married Male Married Female Single Male
Commute 35 miles to work each way Commute 10 miles to work each way
Vehicle 1: 2008 Ford Explorer XLT, 4Dr., 2 Wheel Drive
Primary operator is Driver 2, Married Female Principal Operator
Vehicle 2: 2008 Toyota Prius, 4Dr. hatchback
Primary operator is Driver 1, Married Male Principal Operator
Company assumptions shown in Exhibit 10? Yes No
Example Profile 4 (Motorcycle Risk) - Zip Code 95826 - Sacramento
Single Male Driving Record: No convictions/No at-fault accidents
15 Years Licensed Pleasure Use
12,000 Annual Mileage
Motorcycle description: 2004 Harley Davidson Dyna FSR
Company assumptions shown in Exhibit 10? Yes No
Note: This application page will be periodically updated to reflect changes in zip codes and model years.
CP - 9
STATE OF CALIFORNIA Insurer Name: 0
DEPARTMENT OF INSURANCE (CDI)
11/10/2009
Edition Date:
Market Dislocation Summary
Percent of Vehicles Receiving Different Levels of Premium Change
TYPE OF COVERAGE
Premium Bodily Property Uninsured Medical % of Total
Change Injury Damage Motorists Payments Collision Comp. Premium
-50% or more
-45% to -50%
-40% to -45%
-35% to -40%
-30% to -35%
-25% to -30%
-20% to -25%
-15% to -20%
-10% to -15%
-5% to -10%
0% to -5%
0% to +5%
+5% to +10%
+10% to +15%
+15% to +20%
+20% to +25%
+25% to +30%
+30% to +35%
+35% to +40%
+40% to +45%
+45% to +50%
+50% or more
TOTAL(100%) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
CP - 10
