California_Commercial_auto_insurance_unitrin

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					                                                                 Commercial Vehicle
        Mailing Address
For applications, endorsement requests
             and other mail:

          Unitrin Specialty
           PO Box 223687
        Dallas, TX 75222-3687

            For Payments:

          Unitrin Specialty
           PO Box 660420
        Dallas, TX 75266-0420


 For overnight deliveries and couriers:   CALIFORNIA
          Unitrin Specialty
   21650 Oxnard Street, Suite #1700
      Woodland Hills, CA 91367
                                                     Product Guide
                                                              Effective: December 14, 2009
Important Phone Numbers:
         Report a New Claim
           888.253.7834

   Commercial Underwriting Service
          888-875-2896

 Commercial Underwriting Service Fax
           800.218.8553

Commercial Underwriting Service Emails
        gover@Unitrin.com
      yetination@Unitrin.com

     Commercial Fleet Quote Fax
          888.874-7998

    Commercial Fleet Quote Email
    sliwhlfleetquotes@Unitrin.com

       NSF Reimbursement Fax
           214.570.7629

      Software Technical Support
            866.859.5090
                                                         Unitrin Specialty
                                                                A.M. Best Rating: Excellent

  Automated Policy Status                          Coverages underwritten by one of the following companies:
  & Account Information:                  Alpha Property & Casualty Insurance Company, Charter Indemnity Company,
                                            Financial Indemnity Company, Unitrin County Mutual Insurance Company
 800.933.8788 or UnitrinSpecialty.com
Table of Contents
  UNITRIN SPECIALTY COMMERCIAL VEHICLE PROGRAM
  Contact Unitrin Specialty ........................................................................................................................................... 1
  Binding Authority....................................................................................................................................................... 3
  Commission ................................................................................................................................................................ 3
  Payment Option .......................................................................................................................................................... 3
          Unitrin EZPay Option ................................................................................................................................... 3

  PROGRAM STRUCTURE
  Coverages Offered ...................................................................................................................................................... 4
          Specifically Described Auto .......................................................................................................................... 4
          Hired Auto ..................................................................................................................................................... 4
          Non-owned Auto ........................................................................................................................................... 5
          Drive Other Car Coverage ............................................................................................................................. 5
          Subrogation Waiver ....................................................................................................................................... 5
          Additional Insured ......................................................................................................................................... 5
  Discounts Offered....................................................................................................................................................... 5
          Lay-Up Credits – Farm Vehicle .................................................................................................................... 5
          Market Level ................................................................................................................................................. 5
          Paid In Full Discount ..................................................................................................................................... 5
  Fees Structure ............................................................................................................................................................. 6

  UNDERWRITING / RATING GUIDELINES
  Commercial Filings .................................................................................................................................................... 6
  SR-22 Filing ............................................................................................................................................................... 6
  Unacceptable Risks .................................................................................................................................................... 6
  Special Rating Procedure ........................................................................................................................................... 7
  Quoting Errors ............................................................................................................................................................ 7
  Unbound Risks ........................................................................................................................................................... 7
  Driver Changes ........................................................................................................................................................... 7
  Radius Band ............................................................................................................................................................... 7
  Vehicle Weights and Values ...................................................................................................................................... 7
  Fleet Rating ................................................................................................................................................................ 7
  Experience Rating ...................................................................................................................................................... 7
  Renewals .................................................................................................................................................................... 8
  Cancellations .............................................................................................................................................................. 8
  Points Surcharge ......................................................................................................................................................... 8
          Inexperienced Operators................................................................................................................................ 8
          Unverifiable Driving Records ....................................................................................................................... 8
          Foreign Driver License .................................................................................................................................. 8
          Chargeable Accidents .................................................................................................................................... 8
          Violations ...................................................................................................................................................... 9
  Vehicle Body Types ................................................................................................................................................. 10




  UNITRIN Specialty                                                                   -2-                               California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  PROGRAM BENEFITS                                                   The down payment is calculated from the following
  UNITRIN Specialty offers a flexible commercial vehicle             percentages of the policy premium. The following down
  insurance program to meet the needs of your smaller                payment options are available:
  Artisan clients along with the needs of your larger
  Truckmen clients. Our program is designed for your                 Semi-Annual Policy
  single vehicle and up to medium size risks.                               18% of premium down with 5 installments#
                                                                            20% of premium down with 5 installments*
  With our new web-based software, you can quickly and                      25% of premium down with 5 installments*
  easily quote an existing client or a prospective new                      33.3% of premium down with 5 installments
  customer without making a phone call. Our new                             100% of premium down, Payment in Full &
  Commercial Vehicle program will help you attract and
  retain more clients by offering better-segmented risk              Annual Policy
  categories to ensure you present the lowest and most                      9% of premium down with 10 installments#
  accurate rate to your customer. Once the applicant signs                  10% of premium down with 10 installments*
  the application and provides any supporting                               15% of premium down with 10 installments*
  documentation, all you need to do is electronically upload                20% of premium down with 10 installments
  the application and properly maintain their file. We will                 20% of premium down with 10 installments%
  automatically “sweep” your account for the down                           25% of premium down with 10 installments^
  payment and process the policy accordingly.                               100% of premium down, Payment in Full &

  BINDING AUTHORITY                                                  #
                                                                       EZPay [electronic funds transfer (EFT)] is chosen.
  Appointed Broker’s Binding Authority is governed by the            * Down payment option may be restricted based on the
  written contract between the Company and Broker.                   market level.
                                                                     %
  Coverage is bound when the company provides                          Risk requiring commercial filing and EZPay is chosen.
  “Acknowledgment of Transmittal” of the application.                ^ Risk requiring commercial filing.
                                                                     &
  Acknowledgement of Transmittal includes:                             Paid-in-Full Discount applies to applicants who pay the
  1. Electronic       transmission of    application   or            premium amount in full when the new business
       endorsement data to the Company, with confirmation            application is submitted to the company.
       of successful transmission.
  2. Any other method agreed to by the Broker and the                There is an installment charge of $9 per installment, $5
       Company in writing.                                           per installment for EFT.

  COMMISSION                                                         Company Direct Bill
                                                                     Insured may choose to receive a monthly bill or sign up
  Please contact your Territory Sales Manager if you have
                                                                     for UNITRIN EZPay, which is when UNITRIN
  questions regarding commissions. UNITRIN Specialty
                                                                     Specialty automatically drafts their monthly payment
  pays commission via monthly commission statements
                                                                     directly from the insured’s bank account. This “draft”
  mailed or direct deposited the week following our
                                                                     will begin with the insured’s initial payment after the
  monthly closing. Commissions are paid for the entire
                                                                     down payment; please submit an EZPay enrollment form
  policy term as follows:
                                                                     with the following information to UNITRIN Specialty:
       New Business – The first month in which the policy
                                                                              Insured Name
       is both issued and effective.
                                                                              Payor’s Name
       Renewals – The first month in which the renewal is
       both effective and a payment has been applied.                         Financial Institution Name and Address
                                                                              Account Type: Bank, Savings & Loan, Credit
                                                                              Union
  WEATHER RESTRICTION                                                         Account Number
  Physical Damage cannot be written or bound in new                           Transit/ABA Number (the nine digit number
  business or endorsed to existing policies when any                          between the two colons on the bottom of the
  National Weather Service Warning has been issued                            check)
  regarding impending hail, tornado, flood, wildfire, etc.           Please keep a voided check or savings slip (deposit slips
                                                                     are not valid for EZPay) of the insured’s designated
  PAYMENT OPTIONS                                                    account to be drafted in their agency file in case there are
                                                                     any payment issues.




  UNITRIN Specialty                                            -3-                    California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  NEW BUSINESS APPLICATIONS                                                      Uninsured / Underinsured Motorists BI
  All applications should be submitted using the UNITRIN                      $15,000 / $30,000        $300,000 / $300,000
  Specialty Applications only; please use the ACORD                           $25,000 / $50,000        $500,000 / $500,000
  applications for recording information and faxing to our                    $30,000 / $60,000        $600,000 / $600,000
  fleet quote line.                                                           $50,000 / $100,000       $750,000 / $750,000
                                                                             $100,000 / $300,000      $1,000,000 / $1,000,000
  To make sure all applications are processed promptly and                   $250,000 / $500,000
  correctly, please verify the following information before
  initiating the quote:                                                                Uninsured Motorists PD
                                                                                                $3,500
  1. The type of vehicle and the complete Vehicle                                               $5,000
       Identification Number;                                                   Including Collision Deductible Waiver
  2. Each vehicle’s Gross vehicle weight, if not a car, van,
       minivan or pickup truck;                                          Liability limits are the same for all vehicles.
  3. Vehicle values, if physical damage is requested;                    Uninsured Motorists limits are the same for all
       (Note: Coverage is “Actual Cash Value” not “Stated                vehicles. Uninsured motorists coverage must be
       Amount” and the premium charged is based on ACV                   included at limits equal to or less than the BI limits,
       not “Cost New”.)                                                  unless the Selection of Reduced Limits of Uninsured
  4. Exact use of each vehicle and radius of operation;                  Motorist wavier is properly completed and signed.
  5. All driver info (ages, violations, and marital status),
                                                                         When writing Medical Payments, the limits are the
       their license numbers, and their occupation;
                                                                         same for all vehicles.
  6. All desired coverages including Liability Limits,
       Physical Damage deductibles, and additional info
       such as Cost of Hire and Waivers of Subrogation;              PHYSICAL DAMAGE
  7. Signed waivers and exclusions as required;                           Comprehensive/Named Perils and Collision:
  8. For all fleets (ten or more power units, trailers                                $250 deductible
       excluded), earned premium, loss history information                            $500 deductible
       and number of insured vehicles from the prior carrier                         $1,000 deductible
       showing the three years immediately prior to the                              $2,500 deductible
       effective date;
  9. Proof of prior insurance and prior liability limits.                            Rental Reimbursement
                                                                                     $30/day, $900 maximum
                                                                                    $40/day, $1,200 maximum
  COVERAGES OFFERED                                                                 $50/day, $1,500 maximum
  UNITRIN Specialty accepts Commercial Vehicle
  Liability risks for Specified Vehicles, Hired Autos, and
                                                                         Comprehensive (or Named Perils) and Collsion
  Non-Owned Autos. Physical Damage coverage only
                                                                         coverage may be written without Liability coverage.
  applies to Specified Vehicles.
                                                                         Comprehensive (or Named Perils) coverage must be
                                                                         written in conjunction with Collision coverage.
  LIABILITY                                                              If physical damage is written on a vehicle with a
      Bodily Injury            Property Damage                           value in excess of $25,000, a minimum deductible of
    $15,000 / $30,000              $10,000
                                                                         $500 is required for Comprehensive or Named Perils,
    $25,000 / $50,000              $25,000
    $50,000 / $100,000             $50,000                               and a minimum deductible of $1000 is required for
   $100,000 / $300,000             $100,000                              Collision coverage.
   $250,000 / $500,000                                                   Comprehensive (or Named Perils) and Collision
                                                                         coverage are required for Rental Reimbursement
               Combined Single Limits
                     $300,000
                     $500,000                                        HIRED CAR COVERAGE
                     $600,000                                        This coverage extends Bodily Injury and Property
                     $750,000                                        Damage Coverage to cover any vehicle hired, loaned,
                    $1,000,000                                       leased or furnished to the insured for a period not to
                                                                     exceed 30 days. Coverage is excess over any primary
                 Medical Payments                                    insurance in force on the vehicle. The coverage is only
                      $1,000                                         available on policies covering owned vehicles and the
                      $2,000
                                                                     limits of liability must be the same as on the owned
                      $5,000
                                                                     vehicles. The premium for this coverage is calculated on
                                                                     a cost of hire basis, subject to a minimum cost of hire of
                                                                     $5,000.

  UNITRIN Specialty                                            -4-                    California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  EMPLOYER’S NON-OWNERSHIP                                              SUBROGATION WAIVER
  LIABILITY                                                             A fully earned fee of $30 will be charged for individual
  This coverage extends Bodily Injury and Property                      waivers. The maximum charge per policy will be $300.
  Damage Coverage to cover the insured’s liability for any              Waivers will not be issued on a “blanket” basis; the
  vehicle owned by an employee or employee’s spouse,                    applicant must declare each affected business entity that is
  when used in the insured’s business. Coverage is excess               requesting a waiver.
  over any primary insurance in force on the vehicle. The
  coverage is only available on policies covering owned                 ADDITIONAL INSURED
  vehicles and the limits of liability must be the same as on           A fully earned fee of $25 will be charged for each
  the owned vehicles. The rate for this coverage is                     additional insured. The maximum charge per policy will
  calculated using the total number of employees. Any risk              be $100 per policy term.
  with more than 25 employees must be referred for
  underwriting approval. Any risk that regularly uses                   LAY-UP CREDITS - FARM VEHICLES
  employee’s vehicles for business use is unacceptable                  The following lay-up credits are applicable to seasonal
  for Non-Ownership Coverage.                                           use farm trucks, tractors, and semi-trailers, and the
                                                                        specific months must be declared on the application.
  TERRORISM RISK INSURANCE                                              These credits are not applicable to pickups, vans or panel
  Pursuant to the Terrorism Risk Insurance Act of 2002; all             delivery vehicles with a GVW of <10,000 lbs or private
  insurers providing commercial casualty insurance are                  passenger type autos:
  required to offer coverage for certified acts of terrorism in
  accordance with the terms and conditions of coverage                         Lay - Up Period                Lay-up Credit
  which apply to other perils. A factor of .001 is applicable                 Less than 2 months                   0%
  to premiums for BI, PDL, CSL, UM/UIM, and MED                          2 months but less than 3 months          10%
  PAY to determine the additional charge for “certified acts             3 months but less than 4 months          20%
  of terrorism”. A factor of .005 is applicable to premiums              4 months but less than 5 months          30%
  for Other Than Collision, including Specified Causes of                5 months but less than 6 months          40%
  Loss, to determine the additional charge for “certified acts                 6 months or more                   50%
  of terrorism”. Please note that this factor will change to
  .006 for all new or renewing policies in 2004 and .008 for            MARKET LEVEL
  all new or renewing policies in 2005.                                 Our Market Level incorporates the following information:
                                                                            Entity type
  Policies providing this coverage will have the following
                                                                            The named insured’s financial responsibility score
  forms attached:
                                                                            24 months prior liability insurance and days lapse
      U-785 (07/03) Disclosure Pursuant to Terrorism Risk
      Insurance Act of 2002                                                 Current and prior liability limits
      U-783 (07/03) Cap on Losses from Certified Act of                     If the policy requires a MCP / Form E filing
      Terrorism                                                             Number of power units in a policy
      U-786 (07/03) Exclusion of Punitive Damages
      Related to a Certified Act of Terrorism                           Our web based rater will calculate your insured’s Market
                                                                        Level based on the information you have provided. Upon
  This is an optional coverage and if the insured refuses               the insured’s third annual renewal we will re-evaluate the
  coverage the following endorsement will be attached:                  insured’s financial responsibility score, Proof of at least
                                                                        twelve month of compliance in coverage covering the
      U-784 (07/03) Exclusion of Certified Acts of
                                                                        twelve month period immediately prior to the policy
      Terrorism.
                                                                        inception date must be included with the application or
                                                                        must be kept at the producer’s file, subject to company
  DRIVE OTHER CAR COVERAGE - FOR                                        audits. If the named insured is an individual or sole
  NAMED INDIVIDUAL                                                      proprietor, their private passenger liability policy will be
  Bodily Injury, Property Damage and Medical Payments                   considered evidence of compliance.
  coverage can be purchased for an owner or named
  individual who does not have a vehicle registered in his /            PAID IN FULL DISCOUNT
  her individual name. There is no additional charge for the            A discount applies to applicants who pay the quoted
  individual’s spouse.                                                  amount in full when the business application is submitted
                                                                        to the company. Policies with premium financing do not
                                                                        qualify for this discount.



  UNITRIN Specialty                                               -5-                     California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  EXCESS VEHICLE SURCHARGE                                            UNACCEPTABLE RISKS
  Any non-fleet policy containing more powered vehicles               1.    Ambulances
  than listed drivers will receive an excess vehicle                  2.    Amusement devices mounted on vehicles
  surcharge. Excluded drivers do not count as listed drivers          3.    Concrete ready-mix vehicles
  and trailers do not counts as powered vehicles.                     4.    Emergency or law enforcement vehicles
                                                                      5.    Pizza or other “time sensitive” food delivery
  FEES                                                                6.    Hazardous      Waste     or     Explosive    Materials
                                                                            transportation
      There is a fully earned fee of $35 on each new policy
                                                                      7.    House (structure or building) movers
      issued
                                                                      8.    Ice cream vendors/dealers
      A $6 late fee will be added to the next installments
                                                                      9.    Vehicle leasing or rental firms
      bill for any installment payment postmarked after the
                                                                      10.   Logging trucks, except support vehicles
      due date
                                                                      11.   Motor homes
      There is a $20 non-sufficient funds charge on all               12.   Public or private livery vehicles, including
      dishonored checks. Once a check is returned, we                       limousines, church vans, daycare vans, and taxicabs
      issue a notice of cancellation on the policy.                   13.   Tow trucks
      Vehicle assessment fee (a pass through fee) is $1.80            14.   Bobtail Liability (Dead heading / tractor without
      per unit                                                              semi-trailer)
                                                                      15.   Unlicensed drivers
  COMMERCIAL FILINGS                                                  16.   Vehicles garaged in states other than California
  Policy will be written on an ANNUAL basis. A $50 fully              17.   Vehicles leased or rented to others by insured
  earned fee will be charged on each policy requiring a               18.   Vehicles not licensed for use on public roads
  filing. This fee will be charged on each new and renewal            19.   Vehicles requiring an I.C.C. filing or subject to the
  term. If we issue a commercial filing, Hired Car and                      Motor Carrier Act of 1980
  Non-Ownership coverages will automatically be added to              20.   Vehicles not manufactured for sale/distribution in the
  the policy and a premium will be charged for these                        United States (Gray-market vehicles)
  coverages. Before we will make a filing, we must insure             21.   Salvaged vehicles requiring physical damage
  all commercial vehicles owned and operated by the                         coverage
  insured. To delete a vehicle from a policy with a filing,           22.   Residential garbage removal / pick-up
  the insured must furnish proof that they no longer own or           23.   Dirt, sand and gravel haulers
  operate the vehicle. A bill of sale is acceptable. Whether          24.   The following vehicle types: Acura NSX, Daewoo,
  a policy requires a filing will be used as a rating factor.               Delorean, Ferrari, Lamborghini, Maserati, Pantera,
                                                                            Plymouth Prowler
                                                                      25.   Drivers with more than 11 violation points in the past
  FINANCIAL RESPONSIBILITY FILINGS                                          three years
  Financial Responsibility (SR-22) Filings will be made for           26.   Catering risks with employees without Worker’s
  the named insured, business owners, and their spouses                     Compensation coverage
  only. There is a $25 fully earned fee will be charged on
  each financial responsibility (SR-22) filing. This fee will
  be charged on each new and renewal term. Filings will be
  processed and mailed to the California Department of
  Motor Vehicles within 48 hours of receipt of the
  application.




  UNITRIN Specialty                                             -6-                      California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  SPECIAL RATING PROCEDURE                                              UNBOUND RISKS
  1.   Vehicles with special equipment used in the                      Unbound applications requiring an underwriter rate
       operation of business, which would significantly                 calculation are to be submitted as follows:
       increase exposure to loss (i.e. cranes, welders, well-           1. Do not insert an effective date.
       drilling machinery, etc.). If written, an operations             2. Do not have the insured sign the application.
       exclusion will be placed on the policy excluding                 3. Do not send any money.
       bodily injury, property damage and medical payment               If you do any of these procedures, you have bound the
       coverage while the equipment is being used in the                risk regardless of your intention. You will also be
       operation of business.                                           violating your agreement with Unitrin Specialty.
  2.   A truck tractor cannot be written without at least one
       semi-trailer. If no trailer is identified on the policy,         DRIVER CHANGES
       we will assign an “unidentified trailer” to the tractor.         All driver changes should be reported to us promptly.
  3.   Vehicles with a value over $125,000, or equipments               When drivers are added or deleted, we will re-compute
       with a value over $5,000 will require a vehicle                  the point count and endorse the policy accordingly.
       inspection.       Please contact our underwriting
       department.
  4.   Risks Requiring DMV (MCP 65) or PUC Filings. If                  RADIUS BAND
       written, the following special guidelines apply.                 Vehicles are rated based on the farthest one-way distance
            Coverage will be afforded by our Commercial                 of travel from place of principal garaging. No regular or
            Vehicle Policy. FIC does not offer a Truckers               frequent operation of the vehicle beyond the radius band
            Policy.                                                     is allowed. Regular and frequent means consistent
            We DO NOT provide cargo coverage.                           principal and/or customary trips more than two (2) times
            Coverage will be written on an ANNUAL basis                 in any given month during a policy period, and includes
            only.                                                       any common or customary personal use.
            Of the several Certificate of Insurance forms
            required, we will file only the MCP 65, DMV                 VEHICLE WEIGHTS AND VALUES
            Certificate of Insurance for Motor Carriers of              Vehicle values will be verified through the Kelley Blue
            Property form and the TL676 Public Utilities                Book or Truck Blue Book. Vehicle weights will be
            Commission Filing.                                          verified through our VIN databases. A photocopy of the
            If we issue a DMV or PUC filing, Hired Car and              vehicle registration may be required for verification of the
            Non-Ownership coverages will automatically be               vehicle identification number and gross vehicle weight.
            added to the policy and a premium will be                   Unitrin Specialty does not automatically depreciate
            charged for these coverages.                                vehicle values. We will include a notice with our renewal
            Before we will make a DMV or PUC filing, we                 offer to prompt the review of vehicle values.
            must insure all commercial vehicles owned and
            operated by the insured.                                    INFORMATION FOR FLEET QUOTES /
            To delete a vehicle from a policy with a DMV or
            PUC filing, the insured must furnish proof that
                                                                        EXPERIENCE RATING
                                                                        Our Commercial Underwriting staff will provide quotes
            they no longer own or operate the vehicle. A bill
            of sale is acceptable proof.                                for fleet sized risks (10 or more power units). Please
                                                                        gather the following information and fax, mail, or e-
            Vehicle with a gross vehicle weight of over
                                                                        mailed to our Underwriting department:
            10,000 pounds requesting a DMV or PUB filing
                                                                             Occupation, nature of the business, and specific
            are required to carry minimum limits of
                                                                             vehicle usage
            $750,000CSL to comply with California
            Financial Responsibility laws.                                   Body type, gross vehicle weight and radius for all
                                                                             units (power units and trailers)
                                                                             Actual cash value of the units if physical damage
  QUOTING ERRORS                                                             coverage is requested
  If a policy is up-rated due to a producer misquote and is                  Coverage and deductible information
  subsequently canceled with a balance owed to UNITRIN                       Garaging Zip code for each vehicle
  Specialty, the difference between the correct premium and
                                                                             List drivers (age and marital status) along with their
  the quoted premium for the time coverage was in effect
                                                                             motor vehicle reports
  will be charged against the producer’s monthly
                                                                             Company generated loss runs with premium totals by
  commission statement. This procedure does not apply
                                                                             year for the previous three years
  when the insured caused or contributed to the error as we
  cancel based upon the correct premium, not the quote, in
  these situations.


  UNITRIN Specialty                                               -7-                     California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  RENEWALS                                                              POINT SURCHARGE
  Policies will be reviewed and re-rated at each term using             Inexperienced Drivers                            3 Points
  current rates, point counts and classifications. We will              Applies to any newly licensed driver, regardless of age,
  send a renewal offer directly to the insured prior to the             who does not have two years driving experience in the
  policy expiration date. The insured must pay the amount               United States. We must be able to obtain the Motor
  billed. The payment must be postmarked, transmitted                   Vehicle Record to verify the driving experience.
  electronically or presented to the producer prior to the
  effective date in order to maintain coverage.                         Unverifiable Driving Record                      3 Points
                                                                        Applies to any driver who within the past three years has
                                                                        had a period of 12 months or more in which their driving
  CANCELLATIONS                                                         record cannot be verified (i.e. driver being out of the
  1.   Cancellations for nonpayment of premium will be                  country, driver licensed in a state where an MVR cannot
       calculated using the pro-rata method. All other                  be obtained, etc.). We must be able to obtain the Motor
       cancellations, except as provided below, will be                 Vehicle Record for verification.
       cancelled using a short-rate method.
  2.   No flat cancellations (except in situations where the            Foreign Driver License                              4 Points
       insured's check for the initial payment is returned              A driver who does not have a valid driver license issued
       dishonored or proof of duplicate coverage is                     by a state in the United States will be considered to have a
       provided).                                                       foreign driver license and will be rated as such until they
  3.   Policies not accepted by the insured due to an up-rate           submit proof of a valid US driver license.
       and returned to us postmarked within 15 days of the
       date of issuance will be cancelled pro-rate.
  4.   If a cancellation is desired prior to 15 days before the         POINT SURCHARGE SCHEDULE
       date      of    cancellation     request,    supporting          Point assignments are made based on violations or
       documentation is required with the request.                      chargeable accidents occurring within the past three years.
  5.   An insured-signed request or lost policy release is              For multiple point count charges arising out of one
       required. (ALL persons listed as named insureds and              occurrence use only the highest charge involved. Any
       their spouse MUST sign the request or lost policy                accidents or violations not charged in multiple point count
       release).                                                        occurrences will still be taken into consideration in
  6.   When a filing is in effect, the cancellation will                determining if any accidents or major violations which
       coincide with the filing cancellation date mandated              occur subsequently are to be charged as “each additional”
       by law. We will continue to earn premium during                  and if any subsequent minor violations are to be charged
       this period, plus mailing time, regardless of the                as “third or subsequent”.
       reason for cancellation.
                                                                        Chargeable Accidents
                                                                        First                                              2 Points
                                                                        Each Additional                                    4 Points

                                                                        Any accident shall be considered chargeable unless
                                                                        documentation is furnished describing the accident and
                                                                        showing that the applicant was less than 50% at fault.
                                                                        This documentation shall consist of a police report, a
                                                                        written statement from the other party’s insurance carrier,
                                                                        applicant’s previous insurance carrier or similar legal
                                                                        documentation verifying that the applicant was:
                                                                             Reimbursed for damages
                                                                             Legally parked when the accident occurred
                                                                             Lawfully stopped at a stop sign or traffic light when
                                                                             the vehicle was rear-ended by another vehicle
                                                                             Clearly less than 50% at fault
                                                                        Applicants signed statement or letters from attorneys are
                                                                        not acceptable.




  UNITRIN Specialty                                               -8-                     California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program
  Violations - Major                                                  Violations – Other Minor
  First Major                                        3 Points         First & Second Other Minor                      1Point
  Each Additional                                    6 Points         Each Additional                               3 Points
       Drunk driving                                                       Failure to operate equipment
       Refusal of alcohol test (implied consent law)                       Defective equipment
       Driving under the influence of alcohol, drugs or                    No valid license
       narcotics                                                           All other minor moving violations
       Hit and run
       Reckless driving
       Speed contest
       Exhibition of speed (other than normal speeding)
       Eluding a police officer
       Felony involving a motor vehicle
       Violation of anti-theft laws
       Operate vehicle without consent
       Unlawful use of drivers license
       Driving wrong way upon on-ramp (violation code
       21664)
       Failure to yield to approaching vehicles (violation
       codes 21801 A & B)
       Unsafe turn (violation code 22107)

  Violations - Minor
  First & Second Minor                               2 Points
  Each Additional                                    3 Points
       Open Container
       Driving under license suspension or revocation
       Excessive speed over 100 mph
       Driving left of center (violation code 21752 A, B &
       C)
       Passing on right (violation code 21755)
       Passing school bus when red light flashing (violation
       code 22454)
       Throwing substance at vehicle (violation code
       23110A)
       Driver/passenger under 21 carrying alcoholic
       beverages (23224 A & B)
       Remove/alter safety marker (violation code 38318.5)
       Crossing double lines (violation code 21460 A & B)
       Failure to drive on right half of roadway (code 21650
       A, B, C, D, E & F)
       Crossing, turning or driving the wrong way on
       divided highway (21651 A & B)
       Driving wrong way on one-way street (violation code
       21657)
       Driving in center lane on three lane highway
       Passing approaching vehicle to right (violation code
       21660)
       Following too closely (violation code 21703)




  UNITRIN Specialty                                             -9-                    California Commercial Vehicle Program
UNITRIN Specialty Commercial Vehicle Program – Body Style Guide




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  UNITRIN Specialty              - 10 -       California Commercial Vehicle Program

				
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