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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

				
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