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					                UNITED AUTOMOBILE
                INSURANCE COMPANY




    PRIVATE PASSENGER AUTOMOBILE PROGRAM
           FLORIDA AUTOMOBILE UNDERWRITING MANUAL




11/01/10
           United Automobile Insurance Company Florida Private Passenger Underwriting Manual



                 UNITED AUTOMOBILE INSURANCE COMPANY
                      Florida Automobile Producers Manual

                                   TABLE OF CONTENTS

  INTRODUCTION                                                                                  1
  1. BINDING PROCEDURES                                                                         4
  2. RENEWALS                                                                                   4
  3. VIOLATION POINT VALUES                                                                     4
  4. ACCIDENTS AND VIOLATIONS                                                                   4
  5. UNACCEPTABLE RISKS                                                                         6
  6. ENDORSEMENTS                                                                               6
  7. FINANCIAL RESPONSIBILITY FILINGS                                                           7
  8. UNDERWRITING INFORMATION                                                                   7
  9. DISCOUNTS                                                                                  8
 10. ADDITIONAL RULES FOR CERTAIN COVERAGES
     & TOWING & RENTAL COVERAGE                                                                11
 11. VEHICLE ACCEPTABILITY RULES                                                               14
 12. BINDING COMPREHENSIVE AND COLLISION COVERAGES                                             15
 13. PAYMENT PLANS                                                                             15
 14. CANCELLATIONS, RESCISSIONS AND NON-RENEWALS                                               17
 15. CLAIMS PROCEDURES                                                                         18
 16. POLICY TYPES                                                                              18
 17. SURCHARGES                                                                                18
 19. INCREASE SYMBOL VEHICLE LIST                                                              19
 20. NON OWNER PROGRAM                                                                         19
     H. NON-OWNER DRIVER CLASSIFICATION TABLE                                                  21
     I. NON-OWNER ANNUAL BASE RATE TABLE                                                       22
     O. NON-OWNER PROGRAM TERRITORY DEFINITIONS TABLE                                          29

 FLORIDA PRIVATE PASSENGER AUTOMOBILE ANNUAL BASE RATES                                        R-I


 DRIVER CLASSIFICATION AND USE OF VEHICLE RATING FACTORS                                       R-V

 POINT RATING FACTORS                                                                          R-VI

 VEHICLE SYMBOL AND AGE GROUP FACTORS TABLE                                                    R-VII

 FLORIDA PRIVATE PASSENGER AUTOMOBILE PROGRAM
 TERRITORY DEFINITIONS                                                                         R-X




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           United Automobile Insurance Company Florida Private Passenger Underwriting Manual




           UNITED AUTOMOBILE INSURANCE COMPANY

                                            Directory



                           United Automobile Insurance Company (UAIC)


                                        Mailing Addresses:
                                           Underwriting
                                         P.O. Box 694140
                                       Miami, FL 33269-1140


                                      Underwriting (Direct Bill)
                                         P.O. Box 694600
                                      Miami, FL 33269-1600


                                  United Premium Finance Company
                                          P.O. Box 694200
                                       Miami, FL 33269-1200


                                              Claims
                                         P.O. Box 694120
                                       Miami, FL 33269-1200


                                         Customer Service
                                        Phone: 305-940-5022


                                               Claims
                                        Phone: 305-940-7299




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           United Automobile Insurance Company Florida Private Passenger Underwriting Manual



INTRODUCTION
Some important points about coverage and policy restrictions:
   The application becomes a part of UAIC’s policy. Material misrepresentations made on the
   application are grounds for denial of coverage, cancellation and/or denial of a claim.
   Be sure to review and rate the whole risk. This means that all relatives and residents in the insured’s
   household must be listed on the application. The same goes for all regular non-resident drivers. The
   insured’s unmarried children, residing elsewhere while at school or in the military must also be listed.
   UAIC regularly runs reports based on the insured’s address to verify or clarify information on the
   application for all licensed drivers as well as running CLUE reports for prior claims. We will re-rate
   policies based on information we find. We also reserve the right to binder cancel any application
   which we deem unacceptable.
   In principle, the Named Insured (in whose name the policy and dec page are issued) must be a
   registered owner of all insured vehicles.

1. BINDING PROCEDURES
   A. NEW BUSINESS
      1. No coverage is bound unless the application is complete and signed by both the named
         insured and the producer. Producers may write acceptable risks provided every question on
         the application is answered (and explained when called for). It is important that the Producer
         specifically ask the applicant the questions on the application (the questions also apply to
         other listed drivers) as certain statements are made a part of the policy and incorrect
         statements could void the policy. Both named insured and the producer WARRANT that the
         information on the application is true and correct to the best of their knowledge.
      2. Producers are required to review applications carefully before binding to make certain the
         risk is acceptable and can be bound according to this manual and subsequent bulletins.
      3. The effective date on an application should not be established until the application has been
         completed, signed by the Named Insured and the required premium received by your agency.
         Do not change, strike over, or otherwise alter an effective date on any application or
         endorsement request. Application or endorsements received with altered effective dates will
         be declined.
      4. Vehicles owned by Corporations, Partnerships or Associations, etc. are not eligible for private
         passenger rates.
      5. The application must also include the following:
         a. All drivers in the household and all other operators of the vehicle(s) and their correct
              driver’s license number(s).
         b. Co-owners of a vehicle must be named on the application as a driver. Exception: If said
              person is a cosigner for financial purposes only and is not shown on vehicle registration,
              then he/she does not need to be named as a driver.
         c. Complete vehicle description and vehicle identification number (VIN). Correct coverage
              and term must be selected.
         d. Uninsured Motorist Bodily Injury coverage waivers as appropriate providing the policy
              has BI coverage.
         e. Signed exclusions as appropriate.
         f. Telephone numbers including area code for applicant’s home and place of business.
         g. Applicant’s and Producer’s signatures are mandatory. In addition, the producer must list
              his/her producer license number on the application.
         h. Occupation, employer/school and work/school address, including zip code.
         i. Total annual mileage and current odometer reading.
         j. Co-owner information must be completed as follows:




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                  i.   If not licensed, submit a signed UAIC Non-Licensed Statement endorsement, or list
                       the co-owner on the application form as “Non-licensed.”
                  ii. If licensed but to be excluded, the Driver’s Exclusion section of the application must
                       be completed and the policy must include BI coverage. If the insured selects a driver
                       to be excluded on his/her application or endorsement, there will be a 5% surcharge on
                       the premium for the PIP & PD coverages.
                  iii. The registered or co-registered owner may not be excluded unless the other
                       individual is listed on the Financial Purpose Statement Form and must not be a
                       resident of the household.
             k. Complete name and address of Loss Payee or Additional Insured (must be a financial
             institution or leasing company – no individuals or businesses.)
       6.    Current MVRs for all operators (max 10 days old) must be submitted with the application and
             endorsements to add driver(s). If licensed outside of the state of Florida, please provide an
             MVR from that state.
       7.    ALL BUSINESS MUST BE UNDERWRITTEN THROUGH YOUR STAFF.
       8.    All applications MUST be accompanied by the producer’s check or draft for the net premium,
             policy fee, FIGA surcharge, FHCF Assessment, motor vehicle report fee, and SR-22 filing
             fee, if applicable.
       9.    We require an application signed by the registered owner(s) of the vehicle. The signature of
             one owner is acceptable if vehicle registration deems “or”. No exceptions, otherwise a
             Cancellation will be issued.
       10.   In the event a producer designates a risk “bound” which does not conform to our
             underwriting guidelines, UAIC will seek reimbursement from the producer for any claims it
             must pay incident to the binder.

   B. BINDING
      1. Applications for new and renewal business must be submitted and bound via the Quick
         Quote® system. All applications must be signed by both the applicant and producer,
         indicating time and date bound. A copy of the completed application must be given to the
         insured.
      2. On endorsements that add additional vehicles and/or additional coverage, brokers must phone
         bind. The binder phone numbers are as follows:
                        Dade: (305) 931-1014              Watts Only: 1-800-933-4881
      3. The date and time stamp on UAIC’s Quick Bind system’s generated application, determines
         the effective date of the policy.
         a. If there is no evidence of a date and time stamp, the policy will be effective 12:01 a.m.
             the date received by UAIC.
         b. If the date and time stamp is later than the requested effective date, we will issue at the
             later date unless there is some accompanying documentation to support the earlier date.
             This could happen if Quick Bind is used to generate a corrected application after the
             initial binding. In this case, attach the original application (marked “Revised”) to show
             the date and time originally generated.
         c. The above also applies to applications that are fax bound. We will use the later date
             unless otherwise clearly documented.
      4. Postmark Stipulations:
         a. Binding will begin no earlier than 12:01 a.m. on the day after the date of the U.S. Postal
             Service postmark on the envelope containing the application.
         b. UAIC will bind metered mail no earlier than 12:01 a.m. of the date following receipt.
      5. APPLICATIONS MUST BE SENT TO UAIC’S OFFICES NO LATER THAN 3
         WORKING DAYS FROM THE SALE DATE. If not submitted within this time frame, a
         binder cancellation will be issued to both the agent and applicant.


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       6. Once an application is “bound”, it can only be cancelled by the insured or the company. To
           unbind a bound application, send the voided completed original of the bound application
           signed by the customer and producer in a separate envelope marked “VOID” on the front of
           the envelope.
       7. Tropical Storm/Hurricane “Watch or “Warning” Procedures
           a. When a tropical storm grows in intensity, the National Weather Service issues a tropical
               storm/hurricane “Watch” or “Warning”. If issued in an agent’s particular area, binding
               authority for PHYSICAL DAMAGE IS SUSPENDED.
           b. \When the National Weather Service lifts the tropical storm/hurricane “Watch” or
               “Warning”, normal binding authority is automatically reinstated.
       8. Binder Book Procedures
           Producers must maintain an appropriate and permanent chronological register of each
           transaction as it occurs, showing date and time of binder, name and address of applicant, type
           of coverage desired, name of the insurance company, and the effective date of coverage.

       FAILURE ON YOUR PART TO ABIDE BY THESE RULES WILL RESULT IN THE
       LOSS OF THE FACILITY.

   C. UNDERWRITING APPROVALS
      Underwriting Guidelines are exactly as the words suggest – guidelines. On occasion there may
      be a risk where the interpretation of the guidelines is not clear or a part of the risk may fall in a
      gray area. For these situations, rather than risk a possible rejection or cancellation of the policy, it
      is prudent to call an underwriter to review the risk and obtain an approval prior to submitting it.

       This is not an approval of the entire risk. The scope of this approval is limited to what is
       described above. The application and accompanying documents submitted for this risk will be
       evaluated for eligibility and rate adequacy. UAIC may request a CLUE report or utilize other
       investigative tools to verify the information provided on the application. This approval will be
       voided and application rejected if: 1) the risk is unacceptable outside the scope of this approval,
       2) the Broker and/or Client has misrepresented or concealed material facts about the risk and/or
       has failed to meet the conditions of this approval, or 3) the approval form submitted with the
       application has been altered.

   D. COVERAGES & LIMITS WRITTEN
        $100K/$300K Bodily Injury and $50K Property Damage is available for leased vehicles. If
        coverage is written for more than 1 vehicle, at least 1 vehicle must be leased to purchase
        these limits. Multiple policies within the same household must share the same limits.
        $100K/$300K/$50K liability limits are available for drivers who have been found guilty of or
        plead guilty or nolo contendere to a charge of DUI. If there are additional vehicle(s) that
        such driver would like to insure with us, then each additional vehicle(s) must have the
        $100K/$300K/$50K liability limits.
        $10K/$20K, $15K/$30K, and $25K/$50K Bodily Injury is available for leased and non-
        leased vehicles.
        $10K, $15K, and $25K Property Damage Coverage is available for non-leased vehicles.
        Comprehensive and Collision Coverage (Physical Damage Coverage) is available up to $50K
        ACV (Actual Cash Value).
        $500 limit is available for Medical Payments coverage.
        $10K Personal Injury Protection coverage is available from 10/1/07 until 12/31/07.
        $10K Personal Injury Protection & $10K Property Damage only limits are State of Florida
        mandated coverage effective 1/01/2008.



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    E. POLICY PERIOD
       Annual and semi-annual policy terms are available for all levels of coverage. Semi-annual
       premiums are calculated at 50% of the annual premium plus the full administration fees and
       policy fee.
    F. EXCLUDED PERSONS
       The Company will generally permit the exclusion of both relative and non-relative residents of
       the same household provided they are applying for Bodily Injury Coverage. If the insured selects
       a driver to be excluded on his/her application or endorsement, there will be a 5% surcharge on the
       premium for the PIP & PD coverages.
    G. POLICY FEE
       On business written pursuant to the provisions of Section 626.752, Florida Statutes, the
       Company’s licensed supervising or managing general agent, as defined in Section 626.091,
       Florida Statutes, will charge a $25 policy fee on new and renewal business. The policy fee is
       non-commissionable.
    H. MOTOR VEHICLE REPORT FEE
       On business written pursuant to the provisions of Section 627.7295 5(b), Florida Statutes, the
       Company’s licensed supervising or managing general agent shall charge a motor vehicle report
       (MVR) fee equal to the cost on new and renewal business. The MVR fee is non-commissionable.
    I.   WHOLE DOLLAR RULE
         All premiums for each coverage must be rounded to the nearest whole dollar. A premium of
         $0.50 or more will be rounded to the higher whole dollar.
2. RENEWALS
   Offers to renew will be mailed directly to the Insured and Producer thirty-five (35) days prior to the
   current expiration date. Renewals should be bound using the Quick Bind system.
3. VIOLATION POINT VALUES
   Determine the rating group by the total points for the last 36 months for accidents and all traffic
   infractions. If multiple infractions arise out of one occurrence, charge only for the highest value. If
   two or more cars, assign the highest rated driver to the highest rated vehicle, and the next highest
   rated driver to the next highest rated vehicle, and any additional drivers and vehicles accordingly.
4. ACCIDENTS AND VIOLATIONS
   A. CHARGEABLE ACCIDENTS
      Chargeable accidents are solo accidents (involving only one motor vehicle) or other accidents in
      which the driver was greater than 51% of the proximate cause of the accident.
      If a previous insurer determined that an accident was chargeable, UAIC will consider the accident
      chargeable. If the driver was uninsured at the time of the accident, the police report or other
      objective information must accompany the application so that UAIC can determine fault.
      Otherwise, the accident will be considered chargeable.
                                  All Accidents              Each Offense              3 Points
    B. NON-CHARGEABLE ACCIDENTS
       Points will not be assigned if the accident occurred under the following circumstances:
       1. The vehicle was lawfully parked. A vehicle rolling from a parked position shall not be
           considered to be lawfully parked, but as in the operation of the last operator.
       2. The vehicle was struck in the rear by another vehicle and the driver of the first vehicle was
           not convicted of a moving traffic violation.
       3. The vehicle was struck in a hit and run accident and reported to the proper authorities within
           24 hours of the accident.



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       4. Accidents that result from contact with animals, birds, or falling objects.
       5. Fully reimbursed for all damages.
       6. Not convicted of a moving traffic violation in connection with the accident, but the operator
           or the other automobile involved in such accident was convicted of a moving traffic violation.
       7. Finally adjudicated not to be liable by a court of competent jurisdiction.
       8. In receipt of a traffic citation which was dismissed or nolle prossed. Not at-fault, as
           evidenced by a written statement from the insured established facts demonstrating lack of
           fault, which are not rebutted by information in the insurer’s file from which the insurer in
           good faith determines that the insured was substantially at fault.
       9. Operating a Private Passenger Automobile where coverage is not included in the exposure of
           the risk.
       10. Involved in an accident involving physical damage, limited to and caused by falling objects
           or gravel.
       11. The driver was responding to the call of duty in a public emergency vehicle, i.e., police,
           firefighter, or emergency medical technician. NOTE: This exception does not include an
           accident occurring after the emergency situation ceases or after the automobile ceases to be
           used in response to such emergency.

   C. MAJOR VIOLATIONS
      Major violations include convictions under the Motor Vehicle Code, Penal Code, Business and
      Professions Code, Health and Safety Code or any other code. This list may not be complete at all
      times. If you have any doubt, contact the company.
      1. Driving while under the influence of alcohol or narcotics or any open bottle violation. (6
          Points)
      2. Conviction of any felony involving use of a motor vehicle. (5 Points)
      3. Hit and run. (5 Points)
      4. Reckless driving. (3 Points)
      5. Evading a police officer in a reckless manner. (5 Points)
      6. Speeding over 15 miles over the posted limit. (2 Points)
      7. Speed Contest-Exhibition of speed. (5 Points)
      8. Homicide or assault with a motor vehicle. (6 Points)
      9. Making a false Police/Accident report. (3 Points)
      10. Operating a motor vehicle under a suspended or revoked license. (3 Points)

   D. MINOR VIOLATIONS
      All other traffic convictions involving the unsafe operation of a motor vehicle will be counted.
      The first non-criminal traffic infraction period is not subject to surcharge. The second and each
      subsequent infraction committed within the 18-month period are 2 points each, unless otherwise
      indicated.
      1. INEXPERIENCED OPERATOR – any operator, regardless of age, who has not held a valid,
          permanent Florida driver’s license for three (3) years. (1 Point)

   E. EXPERIENCE PERIOD
      The experience period for accidents and convictions is the 36-month period prior to the policy
      effective date. The Company will waive the last 30 days of the experience period for accidents
      and convictions when establishing eligibility and computing premium. This means that violations
      and accidents that occurred between 35 and 36 months prior to the inception of the policy will be
      waived. This will also extend to the age of driver, providing he/she will change driver class
      within 30 days of inception of the policy.
5. UNACCEPTABLE RISKS
   A. More than 18 underwriting points in the past 36 months.


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   B Applications without the Insured's street and/or residence address.
   C. Vehicles over twenty-five (25) model years for liability as a single vehicle and up to thirty (30)
       years if it is a 2nd or 3rd vehicle; vehicles over fifteen (15) model years for
       Comprehensive/Collision. Exception: This does not apply to renewal policies.
   D. We will only insure one more vehicle than drivers in the household.
   E. Drivers over the age of seventy-five (75) are required to submit UAIC’s approved medical
       statement signed by a physician indicating ability to operate a motor vehicle.
   F. Comprehensive must always include Collision, and Collision must include Comprehensive on
       Full Coverage Policies.
   G. Vehicles with ACV over $50,000 (NADA) or higher than ISO Symbol 54 (24 or higher for Model
       Years 2010 and prior) for Comprehensive/Collision.
   H. Students attending school outside Florida.
   I. Military operators (acceptable if driver is to be stationed in Florida for a minimum of one (1) year
       from inception of the policy).
   J. Vehicles not registered in Florida or vehicles that will be operated outside of Florida in the scope
       of one's business.
   K. The following occupations are unacceptable: real estate salespersons, chauffeur, valet parkers,
       taxi cab drivers, jitney drivers, day care drivers, patient transporter or any other occupation which
       requires more than 4 hours per work day in any vehicle.
   L. Applicants/drivers with a revoked driver’s license.
   M. Vehicles garaged outside the state of Florida.
   N. Drivers with three or more accidents, regardless of fault, within the last 36 months.

   THESE ARE GUIDELINES ONLY. UAIC RESERVES THE RIGHT TO DETERMINE
   ELIGIBILITY BASED ON EACH RISK.

6. ENDORSEMENTS
   A change of the Named Insured on an existing policy will not be made without a new, completed, and
   signed application, plus the replacement of all waivers and endorsements requiring the Named
   Insured’s signature. If any endorsement requires an additional premium, said premium must be
   submitted in order to process the endorsement, or it will be returned unbound.

   ALL ENDORSEMENTS MUST BE SUBMITTED WITH PREMIUM IF APPLICABLE.

   Endorsements are effective under the same conditions as new business, except as stated below:
   1. ADDING NEW DRIVERS
      Verify eligibility before adding driver to the policy. Coverage for drivers currently excluded on
      an existing policy may not be bound any earlier than the date and time the endorsement request is
      electronically transmitted or faxed to UAIC, or before the postmark on the envelope, if mailed. A
      current MVR must be furnished for said driver(s).
   2. EXCLUDING DRIVERS
      Named resident drivers will not be deleted from coverage until a completed and signed
      Designated Exclusion is received. The effective date will be no earlier than the date transmitted
      to UAIC. This includes residents away at school or in the Armed Forces. We will not exclude
      any driver on a policy that does not include Bodily Injury coverage. If the insured selects a driver
      to be excluded on his/her application or endorsement, there will be a 5% surcharge on the
      premium for the PIP & PD coverages.
      Reminder: The named insured cannot be excluded.




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   3. ADDING “NEWLY ACQUIRED” VEHICLES
      When adding a “newly acquired” vehicle as defined in the policy jacket, add it effective the date
      acquired, provided it is reported within 30 days of the acquisition. If there has been a loss
      involving the “newly acquired” vehicle, submit the request and do not indicate the effective date
      or time. Report the claim immediately and advise the insured that the Company will determine
      coverage.
   4. REDUCTION OF DEDUCTIBLES
      Comprehensive or Collision deductibles may not be reduced mid-term without prior written
      Company approval. Two color photographs showing the front, back, and sides of the vehicle
      must be submitted with the request.
7. FINANCIAL RESPONSIBILITY FILINGS
      A. STANDARD SR-22
         The filing fee for SR-22’s is $15 for each filing. It is fully earned at inception and non-
         commissionable. Filings will be deleted on the next renewal following the expiration date of
         the filing requirements. SR-22 filings are for owner only or spouse.
      B. PIP/PD NON-CANCELLABLE SR-22
         The filing fee for this SR-22 is $15 for each filing. This SR-22 differs from the Standard
         SR-22 as follows: The policy is non-cancellable. Only PIP and PD coverage are offered.
         Only a six month term is available and must be paid in full.
8. UNDERWRITING INFORMATION
   A. DRIVER’S LICENSE REQUIREMENTS
      Applications will not be accepted unless a permanent driver’s license number is shown for all
      listed drivers. For excluded persons, furnish the ID/driver’s license number and occupation when
      possible. Valid Out-of-State licenses are acceptable, as long as a Motor Vehicle Report is
      submitted with the application; however, if no MVR from that State is submitted, then two (2)
      points will apply. Persons with a valid Florida MVR and less than 3 years experience in Florida
      will be charged 1 point unless their Out-of-State MVR is included with the application.
       Drivers without a permanent Florida driver’s license must comply with the following
       requirements to remain eligible for insurance:
       1. INSTRUCTION OR LEARNER’S PERMIT FOR STUDENTS UNDER AGE 18
           A permit holder cannot be the Named Insured, but can be listed as an additional driver.
           Drivers must complete all DMV requirements within 12 months of the date they were
           first covered by the policy. Driving experience credit will begin when a new driver has received
           a permanent license as indicated in the date license issued field of the MVR.
       2. TEMPORARY LICENSE
          Drivers with a temporary license must complete all DMV requirements for a permanent
          license prior to the renewal following the date they were first covered by the policy.
       3. EXPIRED OR SUSPENDED LICENSE
          Drivers with a license that has expired in the past 60 days must submit proof of license
          renewal within 20 days of the inception of the policy and/or the date requested by UAIC.
          Drivers with a suspended license must provide proof of license reinstatement within 20 days
          of the inception of the policy and/or the date requested by UAIC.
       4. FOREIGN/INTERNATIONAL DRIVER’S LICENSE
          Drivers with a foreign or international driver’s license are eligible and will be assessed a 2
          point surcharge.
   B. ONE DRIVER WITH TWO VEHICLES
      When there is only one driver with two cars insured under the same policy, the driver shall be
      rated on the highest-rated vehicle. The second car defaults to Class 3A for rating purposes. No
      safe-driver discount shall apply to the second car. However, all other applicable discounts shall
      be applied.



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   C. HOUSEHOLDS WITH MULTIPLE POLICIES
      If multiple UAIC policies are written within the same household, each policy MUST have the
      same coverages and the same limits. Make sure you list the other policy number on the
      application.

9. DISCOUNTS
   A. MULTI-CAR 15%
      Multi-car rates may apply when a policy insures 2 or more vehicles. This discount applies to BI,
      PD, PIP, Comprehensive, and Collision for like coverages only. To qualify for multi-car rates, all
      eligible vehicles must be:
      1. Garaged at the same address.
      2. Registered solely to the Named Insured, and/or insured's resident.
      3. Used principally by the Named Insured, insured’s resident spouse, or such resident unmarried
          children, of either sex under age 31.
      Vehicles registered or rated to persons other than the above do not qualify for the multi-car
      discount or qualify other vehicles for the discount.

   B. PAID IN FULL 5%
      A 5% Paid in Full Discount will apply to all coverages when the insured pays his/her premium in
      full.

   C. RENEWAL (WHEN THE PRIOR UAIC POLICY INCLUDES BODILY INJURY COVERAGE
      FOR AT LEAST THE LAST 6 MONTHS OF THAT POLICY, & THE RENEWAL UAIC
      POLICY INCLUDES BODILY INJURY COVERAGE) 30%

       For a policy that will be renewed with UAIC, a 30% Renewal Discount will apply to the premium
       for the Bodily Injury, Property Damage, and, if applicable, Collision coverages provided the
       following is true:
       1. The prior UAIC policy includes Bodily Injury coverage for at least the last 6 months of that
           policy, AND
       2. The renewal UAIC policy includes Bodily Injury coverage, AND
       3. There is no more than a 30 day lapse in coverage, from the expiration date of the prior UAIC
           policy to the effective date of the renewal UAIC policy, AND
       4. The prior UAIC policy for this risk has no at fault claims.

       This discount will NOT apply to the premium for the following coverages:
       1. Uninsured Motorists,
       2. Personal Injury Protection,
       3. Medical Payments, and
       4. Comprehensive.

      This discount will NOT apply to the following:
      1. Any applicable Coverage Expense Fees,
      2. Policy Fees,
      3. Any applicable SR-22 Fees,
      4. Any applicable Florida Insurance Guaranty Association surcharges, and
      5. Any applicable Florida Hurricane Catastrophe Fund Assessments.
   D. RENEWAL (WHEN THE PRIOR UAIC POLICY EXCLUDES BODILY INJURY
      COVERAGE BUT THE RENEWAL UAIC POLICY INCLUDES BODILY INJURY
      COVERAGE) 20%



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       For a policy that will be renewed with UAIC, a 20% Renewal Discount will apply to the premium
       for the Bodily Injury, Property Damage, and, if applicable, Collision coverages provided the
       following is true:
       1. The prior policy excludes Bodily Injury coverage, AND
       2. The renewal policy includes Bodily Injury coverage, AND
       3. There is no more than a 30 day lapse in coverage, from the expiration date of the prior UAIC
           policy to the effective date of the renewal UAIC policy, AND
       4. The prior UAIC policy for this risk has no at fault claims.

       This discount will NOT apply to the premium for the following coverages:
       1. Uninsured Motorists,
       2. Personal Injury Protection,
       3. Medical Payments, and
       4. Comprehensive.

       This discount will NOT apply to the following:
       1. Any applicable Coverage Expense Fees,
       2. Policy Fees,
       3. Any applicable SR-22 Fees,
       4. Any applicable Florida Insurance Guaranty Association surcharges, and
       5. Any applicable Florida Hurricane Catastrophe Fund Assessments.

   E. TRANSFER (WHEN PRIOR POLICY WAS NON-UAIC & THE NEW UAIC POLICY
      INCLUDES BODILY INJURY COVERAGE) 5%




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       For a policy that will be transferred from another carrier to UAIC, a 5% Transfer Discount will
       apply to the premium for the Bodily Injury, Property Damage, and, if applicable, Collision
       coverages, provided the following is true:
       1. The new UAIC policy includes Bodily Injury coverage, AND
       2. There is no more than a 30 day lapse in coverage, from the expiration date of the prior non-
           UAIC policy to the effective date of the new UAIC policy, AND
       3. There is proof of prior coverage, where acceptable evidence includes:
           a. Declarations page from the prior policy, OR
           b. A letter of experience from the prior company or broker/agent on company letterhead,
               OR
           c. Other documentation that clearly demonstrates that prior insurance was in effect.

       This discount will NOT apply to the premium for the following coverages:
       1. Personal Injury Protection,
       2. Uninsured Motorists,
       3. Medical Payments, and
       4. Comprehensive.

       This discount will NOT apply to the following:
       1. Any applicable Coverage Expense Fees,
       2. Policy Fees,
       3. Any applicable SR-22 Fees,
       4. Any applicable Florida Insurance Guaranty Association surcharges, and
       5. Any applicable Florida Hurricane Catastrophe Fund Assessments.

   F. SAFE DRIVER DISCOUNT
      Any driver who has had an at-fault accident or major violation (please refer to Rule III. B) within
      the last 36 months is not eligible for this discount. The schedule for all other violations is as
      follows:
      1. The past 12 months - (10% discount)
      2. The past 24 months - (15% discount)
      3. The past 36 months - (20% discount)

       For the purpose of applying the Safe Driver Discount, use the following rules:
       1. If one car, rate on highest rated driver.
       2. If two or more cars or more operators than cars:
           a. Assign the highest rated car; the next highest rated operator to the next highest rated car,
               and additional operators and cars accordingly, then:
           b. Apply any Safe Driver Discount to the coverages (BI, PD, and Collision) for the vehicle
               in which the assigned operator qualifies for the discount.
       3. Discounts do not apply to Coverage Expense Fees, Policy Fees, Uninsured Motorists
           Coverage, Medical Payments Coverage, Personal Injury Protection Coverage, or
           Comprehensive Coverage.
       4. At-fault accidents are defined as accidents for which a charge may be made per point values
           rule (refer to Rule 4.A for reference).

   G. SENIOR OPERATOR ACCIDENT PREVENTION COURSE DISCOUNT
      A 5% Senior Operator Motor Vehicle Accident Prevention Course Discount shall apply to the
      premiums for Bodily Injury, Property Damage, Personal Injury Protection, and Collision
      coverages, provided the auto is classified and rated as a Private Passenger Auto. The principal
      operator of the auto must be age 55 or older and must provide us with a course completion


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       certificate, dated within the most recent 36 months, certifying that he/she has successfully
       completed a Motor Vehicle Accident Prevention Course approved by the Florida Department of
       Highway Safety and Motor Vehicles.

       This discount shall apply to New Business and Renewal policies with inception dates within the
       36 month period following the course completion date and only to the auto principally operated
       by the insured with the course completion certificate. The discount shall apply only once to each
       such auto regardless of the number of operators with course completion certificates.
       This discount does not apply if the insured is:
       1. Taking or has taken the approved course as punishment specified by a court or other
           governmental entity resulting from a moving traffic violation.
       2. Subsequently involved in an at-fault accident after having earned the discount.
       3. Subsequently convicted, pleads guilty, or nolo contendere to a moving traffic violation, after
           having earned the discount.

   H. MISCELLANEOUS DISCOUNTS
      1. Anti-Theft Device Credit
          A 25% discount is applied to the Comprehensive premium for a vehicle equipped with an
          antitheft device or vehicle recovery system (e.g.LoJack, Teletrac, etc.) which is factory
          installed or approved by the Office of Insurance Regulation. The certificate must accompany
          the application.

       2. Antilock Brakes Credit
          A 5% discount on the premium for the Bodily Injury, Property Damage, Personal Injury
          Protection, and Collision coverages shall be granted if the insured vehicle is equipped with
          antilock brakes. The Company prior to granting the discount must receive required evidence
          of installation.

       3. Air Bag Credit
          A 10% discount on the premium for the Personal Injury Protection and Medical Payments
          coverages shall be afforded if the insured vehicle is equipped with one or more air bags. The
          Company prior to granting the discount must receive required evidence of installation.

   THE MAXIMUM ALLOWABLE DISCOUNT CANNOT EXCEED 45% FOR EACH
   COVERAGE.
   ANY DOCUMENTATION REQUIRED TO RECEIVE A DISCOUNT MUST ACCOMPANY
   THE ORIGINAL APPLICATION-NO EXCEPTIONS.

10. ADDITIONAL RULES FOR CERTAIN COVERAGES & TOWING & RENTAL
    COVERAGE
    A. COMBINATION OF COVERAGES
       1. Policies insuring 2 or more vehicles must be written with the same limits of liability,
          Uninsured Motorist, and Medical Payments coverage on each vehicle.
       2. Uninsured Motorist Coverage will be written only with Liability and cannot exceed the BI
          limits.
       3. Medical Payments coverage is only written with Liability coverage.

   B. PROTECTION AGAINST UNINSURED MOTORISTS INSURANCE
      1. Uninsured Motorists coverage provides for payment of certain benefits for damages caused
         by owners of operators of uninsured motor vehicles because of bodily injury or death



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           resulting there from. Such benefits may include payments for certain medical expenses, lost
           wages, and pain and suffering, subject to limitations and conditions contained in the policy.
           For the purpose of this coverage, an uninsured motor vehicle includes a motor vehicle where
           the bodily injury liability limits carried are less than the monetary damages incurred.
      2. Florida law requires that automobile liability policies, which provide Bodily Injury coverage,
           include Uninsured Motorists coverage at limits equal to the Bodily Injury Liability limits in
           the policy, unless the insured selects a lower limit offered by the Company, rejects Uninsured
           Motorists coverage entirely, or requests the option to purchase the non-stacked Uninsured
           Motorists coverage at or below the limits of the Bodily Injury Liability coverage limits. This
           election shall apply to any Liability policy which renews, extends, changes, supersedes, or
           replaces such policy, unless the insured requests Uninsured Motorists coverage or requests
           the option to purchase non-stacked Uninsured Motorists coverage.
      3. If the policy includes Bodily Injury coverage, applicants must sign waivers for the uninsured
           motorist coverages if they are not desired. If the applicant does not sign the waivers, the
           policy will be issued with the applicable Uninsured Motorists coverage.
      4. Uninsured Motorist - $10,000/$20,000 Premiums:
           a. Stacked Rates:
                                                   Annual Rates
                        Territories            Territories Territories        Remainder of
                        6A-B,7A-D,14A-J,
                        15A-D,19A-E,33A-I 20A-D                34A-M,36A-C State
    Multi-Car (Per Car)          $335             $245              $202       $223

           b. Non-Stacked Rates:
                                           Annual Rates               _______
                       Territories      Territories Territories Remainder of
                       6A-B,7A-D,14A-J,
                       15A-D,19A-E,33A-I 20A-D      34A-M,36A-C State
    Single                      $212      $155            $127   $141
    Multi-Car (Per Car)          279       196             162    178

   C. MEDICAL PAYMENTS
      Medical payments may be written on an optional basis.

   D. PERSONAL INJURY PROTECTION
      Personal Injury Protection coverages shall be afforded in accordance with Florida law effective
      on and after January 1, 2008.

   E. OTHER COVERAGE OPTIONS
      1. Optional PIP Coverages are available at factors applied to the Base Rates as follows:

                                               Named Insured                   Named Insured &
       Deductible Options                          Only                       Dependent Relatives
              $    0                              1.428                             1.428
              $ 250                               1.356                             1.285
              $ 500                               1.285                             1.142
              $1,000                              1.214                             1.000

       2. PIP Work Loss Benefits
          a. At the election of the named insured, benefits for work loss may be excluded for Personal
              Injury Protection (1) for the Named Insured only at a 2% reduction or (2) for the Named


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              Insured and Dependent Relatives at a reduction of 5% from the otherwise applicable
              Personal Injury Protection rate shown on the Florida Base Rates Schedule.
           b. If the named insured elects both the deductible and work loss option, determine the
              premium by (1) multiplying the Personal Injury Protection rate on the Florida Base Rates
              Schedule by the applicable deductible factor in E.1. above and (2) reducing the rate
              determined above by the applicable percentage shown in E.2.a.

   F. PHYSICAL DAMAGE DEDUCTIBLES & FACTORS

                                 Comprehensive and Collision Deductibles
                                        $ 250           1.000
                                        $ 500           0.842
                                        $1,000          0.632

   G. TOWING & RENTAL REIMBURSEMENT ($36 per 6 month term per vehicle) ($70 per 12
      month term per vehicle)

       1. Option 1 – Towing and Rental Reimbursement for Policies with Physical Damage
          1. Towing & Rental coverage is optional.
          2. This coverage will only be accepted when Physical Damage (Comprehensive &
             Collision) coverage is purchased.
          3. Towing & Rental coverage will only apply when a mechanical disablement or Physical
             Damage (Comprehensive & Collision) loss has occurred provided the coverage is in
             effect and indicated on the declaration page at the time of loss.
          4. The Towing benefit limit is $50 per occurrence, with a maximum of one occurrence per
             term for a 6 month policy term, and a benefit limit of $50 per occurrence, with a
             maximum of two occurrences per term for a 12 month policy term.
          5. The Rental benefit limit is $20 per day up to a maximum of $375 per term.

       2. Option 2 – Towing and Rental Reimbursement for Liability Only Policies
          1. Towing and Rental coverage is optional
          2. This coverage will only be accepted when Liability Only (Bodily Injury, Property
             Damage, and Personal Injury Protection) coverage is purchased.
          3. Towing and Rental coverage will only apply when an accident has occurred provided the
             coverage is in effect and indicated on the declaration page at the time of loss.
          4. The Towing benefit limit is $50 per occurrence, with a maximum of one occurrence per
             term for a 6 month policy term, and a benefit limit of $50 per occurrence, with a
             maximum of two occurrences per term for a 12 month policy term.
          5. The Rental benefit limit is $20 per day up to a maximum of $375 per term.

   H. MEDICAL PAYMENT RATES
        Limit - $500

                 Points            Rates                              Points            Rates
                   0                 $8                                5                 $15
                   1                 $9                                6                 $17
                   2                $11                                7                 $18
                   3                $12                                8                 $20
                   4                $14                                9                 $21




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   I.   INCREASED LIMIT FACTORS FOR LEASED VEHICLES OR DRIVERS WITH DUI
        CONVICTIONS
        Every owner or operator with a DUI Conviction on or after 10/1/07 will be required by
        FLORIDA LAW to carry increased limits of $100,000/$300,000 for BODILY INJURY and
        $50,000 for PROPERTY DAMAGE. Drivers can opt to post a bond or furnish a certificate of
        deposit for no less than $350,000.
        Multiply the below Increased Limit Factors by the base rates for corresponding selected
        coverages to determine the rates for this program.
        $100,000/$300,000       Bodily Injury                            3.49
        $100,000/$300,000       Uninsured Motorist Bodily Injury         4.38
                 $50,000        Property Damage                          1.22

   J. INCREASED LIMIT FACTORS
      Multiply these factors by the rates for corresponding selected coverages to determine the rates for
      vehicles that are not leased.

        $15,000/$30,000          Bodily Injury                                        1.25
        $25,000/$50,000          Bodily Injury                                        1.58
        $15,000/$30,000          Uninsured Motorists Bodily Injury                    1.57
        $25,000/$50,000          Uninsured Motorists Bodily Injury                    1.98
                $15,000          Property Damage                                      1.05
                $25,000          Property Damage                                      1.09

11. VEHICLE ACCEPTABILITY RULES
    A. ACCEPTABLE VEHICLES
       Individually owned Private Passenger automobiles including station wagons, pickups, and vans
       provided they are not used for commercial purposes and do not have a load capacity over 3/4 ton
       (1,500 lbs.). Vehicles with rebuilt titles are acceptable for liability coverage only. NOTE:
       Convertibles, turbo-equipped vehicles, and most GT models are eligible, but must have a $1,000
       deductible on comprehensive/collision coverages.

   B. UNACCEPTABLE VEHICLES (FOR ANY COVERAGE)
      The following types and usage of vehicles are unacceptable and may not be bound.
      1. Motorcycles.
      2. All commercially used vehicles.
      3. Buses.
      4. Corporate owned vehicles, including partnership or association.
      5. Driver training cars.
      6. Emergency ambulance, fire department, or law enforcement agency vehicles.
      7. Public and private livery vehicles, limousines, and taxicabs, including vehicles used to
          transport nursery or school children, migrant workers, hotel/motel guests, patients or
          members of a car-pool.
      8. Long haul freight carriers.
      9. Vehicles rented or leased to others.
      10. Vehicles used for delivery or pick up.
      11. Vehicles used for racing.
      12. Kit, antique cars, or dune buggies.
      13. Vehicles used to transport gasoline, gases under pressure, explosives, or flammable
          substances.




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       14. Suzuki Samurai, Suzuki Sidekick, Geo Tracker, Isuzu Amigo, Jeep CJ 5, 7, and including any
           soft top suv type vehicles, and other similar vehicles.
       15. Panel or Cargo Vans

       The following vehicles are unacceptable for Physical Damage except as a replacement vehicle by
       endorsement with a $1,000 deductible.
       1. ALL rebuilt, salvaged, altered, modified, specially built, or customized vehicles*.
       2. Acura NSX
       3. BMW 6, 7, and 8 Series
       4. Citroen (All Models)
       5. Corvette
       6. Dodge Shelby
       7. Dodge Viper
       8. Electric Vehicles
       9. Lotus (All Models)
       10. Mitsubishi 3000 VR4
       11. Plymouth Sapporo
       12. Porsche (All Models)
       13. Rolls Royce (All Models)
       14. Rover
       15. Mustang GT and Cobra
       16. Vehicles with a load capacity over ¾ ton
       17. Panel or cargo vans

       THIS LIST IS TO BE USED AS A GUIDE ONLY. THE FINAL DETERMINATION ON
       THE ACCEPTABILITY OF ANY VEHICLE RESTS SOLELY WITH THE COMPANY.

       *Modified Vehicles: Vehicles with non-factory modification designed to alter performance,
       handling or appearance characteristics. Examples: (1) Vehicles that have been “raised” or
       “lowered” and vehicles that have been modified by specialty shops such as Callaway or Saleen;
       (2) Franchise dealer or professionally modified vans (e.g., van conversions).

12. BINDING COMPREHENSIVE AND COLLISION COVERAGES
    A. DO NOT BIND FOR PHYSICAL DAMAGE:
       1. Vehicles whose current value or cost new exceeds $50,000.
       2. Vehicles over fifteen (15) model years old. Exception: This does not apply to renewal
          policies.
    B. TO BIND COMPREHENSIVE AND COLLISION COVERAGE, the following are required:
       1. Two clear photos showing all sides and the license plate of the vehicle are required unless:
          a. Purchased brand new from a franchise dealer and coverage bound the same day, or
          b. A renewal or rewrite of an existing UAIC policy, which includes comprehensive and
              collision coverages, with no lapse in coverage.

   NOTE: EXISTING DAMAGE – The producer should take additional photographs showing
   damaged areas, which must be attached to the application. Minor, cosmetic damage may be
   acceptable. Submit non-bound for approval.

13. PAYMENT PLANS (Semi-annual or annual policies)
    These are general rules. Your specific producer agreement may allow different terms and procedures.
    A. PREMIUM FINANCING
       Premium financing is accepted, providing UAIC has approved said finance company.


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   B. PAID-IN-FULL
   C. DIRECT BILL
      There will be two types of Direct Bill Payment Plans available:
      1. Plan 1: A down payment is due at policy inception & it MUST be paid via Electronic Funds
         Transfer (EFT). Plan 1 MUST also have BI coverage listed on the Policy.
         a. For annual policies, the down payment is all fees plus 9% of the policy premium before
             all fees, and there will be 11 additional installments remaining.
         b. For semi-annual policies, the down payment is all fees plus 18% of the policy premium
             before all fees, and there will be 5 installments remaining.
         c. Billing Schedule
             i. The 1st invoice will be mailed on the 5th day from the inception date of policy.
             ii. All consecutive invoices will be mailed on the same day of the month as the initial
                  invoice issued.
             iii. The 1st payment is due 15 days from the inception date of the policy.
             iv. Any payment in excess of the amount due will be applied to the next installment.
                  Amounts less than $5 will only be returned at the request of the insured.
             v. If any payment is less than the amount invoiced, a notice of cancellation will be
                  generated. On policies cancelled for non-payment, balances less than $5 will be
                  waived.
             vi. Additional premium (AP) will require a down payment in order to keep the account
                  current for billing and the remainder will be divided equally over the remaining
                  payments.
             vii. Return premium endorsements will equally reduce the amount of future installments.
         d. Directions for mailing Notices of Cancellation
             i. The 1st notice of cancellation will be mailed on the 16th day from the inception date of
                  the policy.
             ii. All consecutive cancellation notices will be mailed on the same day of the month as
                  the initial invoice issued.
             iii. The 1st cancellation date will be 30 days from policy inception.
      2. Plan 2: A down payment is due at policy inception & it MUST be paid via Electronic Funds
         Transfer (EFT).
         a. For annual policies, the down payment is all fees plus 18% of the policy premium before
             all fees, and there will be 10 installments remaining.
         b. For semi-annual policies, the down payment is all fees plus 36% of the policy premium
             before all fees, and there will be 4 installments remaining.
         c. Billing Schedule
             i. The 1st invoice will be mailed on the 36th day from the inception date of the policy.
             ii. All consecutive invoices will be mailed on the same day of the month as the initial
                  invoice issued.
             iii. The 1st payment is due 46 days from the inception date of the policy.
             iv. Any payment in excess of the amount due will be applied to the next installment.
             v. If any payment is less than the amount invoiced, a notice of cancellation will be
                  generated.
             vi. Additional premium (AP) will be calculated based on a down payment, keeping the
                  account current for billing and the remainder will be divided equally over the
                  remaining installments.
             vii. Return premium endorsements will equally reduce the amount of future installments.
         d. Directions for mailing Notices of Cancellation
             i. The 1st notice of cancellation will be mailed on the 47th day from the inception date of
                  the policy.



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                ii. All consecutive notices of cancellation will be mailed on the same day of the month
                     as the initial invoice issued.
                iii. The 1st cancellation date will be 61 days from the inception date of the policy.

       MANDATORY FEES FOR ALL DIRECT BILL PAYMENT PLANS

       1. Setup Fee                                     $10.00
       2. Installment Fee on the Unpaid Balance           1.50%
       3. Late Fee                                      $10.00
       4. Non-Sufficient Funds (NSF) Fee                $15.00
       5. Any other additional fees or surcharges that apply to all policyholders.
       All fees are fully earned, non-commissionable and non-refundable.

   D. ELECTRONIC FUNDS TRANSFER (EFT) FOR DIRECT BILL POLICIES

       Insureds with 6 and 12 month policy terms will have the option to pay via electronic funds
       transfer or EFT for Direct Bill Policies. With the EFT, the insured will be able to choose the date
       the insurance payment is automatically deducted from their checking account. EFT policies are
       automatically renewed and will only be cancelled by a written request from the insured. New
       bank information will be required for any rewrites.

       Should the insured have their policy cancelled twice for NSF during any twelve (12) consecutive
       months, the Company will revoke their EFT eligibility for one (1) year. EFT is also cancelled
       when the following occurs: the policy is cancelled, an invalid bank account number, or a lapse
       notice is generated. For EFT Payment Plans refer to Mandatory Fees for All Direct Bill Payment
       Plans to determine any applicable fees.

14. CANCELLATIONS, RESCISSIONS, AND NON-RENEWALS
    A. CANCELLATIONS
       Policies cancelled by the Company for unpaid premiums and for underwriting reasons other than
       material misrepresentation will be cancelled pro-rata. Insured’s request to cancel will be
       processed short rate, which is 90% of pro-rata. If the Company receives a request to cancel
       signed by the Named Insured, a notice of cancellation will be sent to all parties concerned. No
       adjustment will be made to the earned premium after notice of cancellation has been issued,
       except to correct a company error. Insured’s request to cancel due to a misquote of premium will
       be cancelled pro-rata.

       1. New Business
          If the Company is not willing to continue coverage, the charge will be computed pro-rata,
          based on the submitted premium, provided the insured furnished correct information on the
          application. If incorrect rating information was provided on the application, i.e., additional
          convictions or accidents, the earned premium will be computed pro-rata based upon the
          proper premium.

       2. NSF (Non-Sufficient Funds) Checks
          For any checks submitted to the company NSF:
          A. For initial payment, the policy will be flat cancelled; or
          B. For OTHER THAN the initial payment, the check will be treated as non-payment of
              premiums.




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   B. RESCISSIONS/REJECTIONS
      Coverage will be rescinded/rejected if a risk is materially misrepresented and unacceptable by the
      rules in this manual. If the insured’s down payment check is not honored for any reason,
      coverage will be rescinded/rejected. If an insured’s check is deposited to the Producer’s account
      and it is returned unpaid to the Producer, UAIC must be notified within 4 weeks of the inception
      date for a rescission of coverage.

   C. NON-RENEWALS
      Policies re-underwritten prior to the renewal that are found to be unacceptable will be non-
      renewed. A 45-day notice will be given. If the insured has three (3) accidents, regardless of
      fault, within the last 36 months, the policy will be non-renewed. When an insured moves to
      another state, the insured should be encouraged to replace coverage with a company licensed in
      that state. The Company will cancel the policy short rate.
      Exception: If less than 45 days remain in the policy term, the policy will be non-renewed. We
      request that you notify UAIC immediately upon learning that an insured has moved out of state,
      even though you do not have the insured’s new address. It is essential that we mail proper notice
      to the last known address. An oral notice of non-renewal does not comply.

   D. BINDER CANCELLATIONS
      All application packages must be sent to UAIC’s office no later than 3 working days from the
      sale date. If the application package is not received within this time frame, a binder cancellation
      will be sent to both the agent and applicant.

   E. REWRITES
      On a policy cancelled for non-payment of premium, the policy must be rewritten and will be
      subject to a lapse in coverage.

15. CLAIMS PROCEDURES
    All claims are to be reported to UAIC’s claim service immediately following the accident. For fast
    claims service and to completely eliminate your time involvement in processing claims forms, please
    instruct your insureds and claimants to call our claims department directly. This procedure will
    eliminate non-productive time and give the company the opportunity to give both your client and
    claimants immediate direct claim service.

       CLAIMS TELEPHONE NUMBERS: Phone (305) 940-7299

   The new loss reports division has the following working schedule: M-F 8:30 AM-5 PM
   PRODUCER HAS NO AUTHORITY TO ASSIGN A LOSS FOR ADJUSTMENT TO AN
   ENTITY OTHER THAN UAIC.
16. POLICY TYPES
    A. UAU- All Policy Types Except for Non-Owner Policies Regardless of Coverage Types.
   B. UNO-Non-Owner Coverage
       1.    Liability limits for this program are $10K/$20K only. Only Property Damage (PD) and Bodily Injury
             (BI) coverage are provided.

17. SURCHARGES – APPLICABLE ONLY TO POLICIES THAT EXCLUDE BI COVERAGE
   A. 30% applies to the PIP Premium prior to the addition of the PIP Expense Fee, and
   B. 15% applies to the PD Premium prior to the addition of the PD Expense Fee.



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18. SURCHARGES – APPLICABLE TO ANY POLICY WITHOUT PRIOR AUTO INSURANCE
    COVERAGE
    A. 5% applies to the PIP Premium prior to the addition of the PIP Expense Fee.

19. INCREASE SYMBOL VEHICLE LIST
    The ISO Rating Symbol is to be increased by one (1) symbol for Comprehensive and Collision
    coverages for the following vehicles:
    All Pick-Up Models                               GMC Jimmy
    All Utility Type Vehicles                        GMC Sierra – All Models
    Acura – All Models except Integra                Honda – All Models
    Cadillac – All Models                            Infiniti – All Models
    Chevrolet Camaro – All Models                    Isuzu – All Models
    Chevrolet Suburban                               Jeep Cherokee
    Chevrolet Tahoe                                  Jeep Grand Cherokee
    Dodge Avenger                                    Lexus ES 300
    Dodge Stealth (Base Model)                       Lexus ES 330
    Ford Bronco                                      Mazda – All Models
    Ford Explorer                                    Mitsubishi – All Models
    Ford Expedition                                  Nissan – All Models
                                                     Toyotas – All Models
20. NON-OWNER PROGRAM
    A. This program covers private passenger automobiles that are:
        1. Not owned or available for regular or frequent use by the insured or a resident of the
             insured’s household or hired under a long term contract; and are
        2. Neither used as a public or livery conveyance for a passenger nor rented to others without a
             driver.

   B. A pick-up or van not owned by an individual or by residents in the same household with a GVR
      of less than 1 ton is considered a covered auto.

   C. Towing and Labor coverage is not available.

   D. Medical Payments coverage is available with a limit of $500, and is not rated by territory.

   E. Uninsured Motorists coverage must be offered at limits equal to the bodily injury limits, unless
      insured rejects this coverage in writing.

   F. NON-OWNER UNACCEPTABLE RISKS
      1. General Rules:
         a. Delivery or Taxi Service, including vehicles used to transport nursery or school children,
            migrant workers, or hotel and motel guests.
         b. Servicemen not stationed in Florida.
         c. Business travel out of the state of Florida, i.e., out-of-state traveling salesmen.
         d. Regular or frequent use of any auto.
         e. Business use not described in a. above.
         f. Reserved for future use.

   G. NON-OWNER PREMIUM DETERMINATION
      1. Select the appropriate zip code and obtain the applicable base rate from the Non-Owner
         Annual Base Rate Table for the BI and PD coverages.



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       2. Multiply the result of step 1 by appropriate factors for driver classification from the Non-
          Owner Driver Classification Table, point surcharges, limits, and any other applicable
          surcharge and/or discounts and round off the result.
       3. If the insured selects UM, select the appropriate territory number from the Non-Owner
          Program Territory Definitions table, and then select the appropriate base rate from the Non-
          Owner Uninsured Motorist Annual Base Rate Table.
       4. If the insured selects MP, then refer to the Non-Owner Medical Payments Annual Base Rates
          Table, and then select the appropriate base rate for Medical Payments coverage.
       5. Apply the policy term factor if applicable.
       6. Add the applicable expense fees from the Non-Owner Fees/Surcharges section for BI and for
          PD.




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           United Automobile Insurance Company Florida Private Passenger Underwriting Manual




11/01/10                                              20

				
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posted:8/7/2011
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