PHYSICAL DAMAGE

Physical damage coverage may be provided with the following options:

Deductible Premium Charge—Comprehensive

$ 250 Manual rates

500 .80 times $250 deductible compre- hensive premiums

1000 .65 times $250 deductible compre- hensive premiums

Deductible Premium Charge—Collision

$ 250 1.25 times $500 deductible collision premiums

500 Manual rates

1000 .80 times $500 deductible collision premiums

B. Customized Vehicles

PHYSICAL DAMAGE

1. Coverage for the customized equipment excluded may be purchased for any private passenger vehi- cle, van, pickup, or panel truck which is insured for physical damage coverage. Such physical damage coverage shall be written on a stated amount basis with the same deductible applicable to the custom- ized equipment as is applicable to the vehicle. The cost of customized equipment should not be considered when determining the symbol of the vehicle or when determining the Original Cost New if a light truck.

Coverage shall be limited to $45,000 in accordance with Rule 6 using a combination of the vehicle Orig- inal Cost New and customized equipment value. 2. Rate as follows:

a. Determine the model year factor for the current model year from the Private Passenger Auto Rate Chapter. The current model year chang- es October 1 regardless of the actual date the models are introduced.

b. Determine the base rates from the Private Passenger Auto Rate Chapter based on the territory determined in Rule 36.

c. Multiply the base rates by the model year factor developed in paragraph a and round to the nearest whole dollar.

d. Determine the class factor from the Private Passenger Auto Rate Chapter.

e. Multiply the class factor by the rates developed in paragraph c and round to the nearest whole dollar.

f. Multiply the rates determined above by the fol- lowing factors to determine the rates per $100 of customizing:

Comprehensive .017 Collision .010 g. Multiply the rates determined in paragraph f by

every $100 or fraction thereof of the Actual Cash Value of customization.

h. If different deductibles in paragraph A apply, multiply the rates determined above by the ap- propriate factor.

i. Multiply the stated amount rate for customizing by the desired limit of coverage to obtain the stated amount customizing premium.

Such stated amount is to be verified by the submission of a written appraisal from a quali- fied source and two clear photos from different angles that are not more than 60 days old from the effective date of the application. Thereafter not more than 30-day old photos must be submitted every two years at least 60 days prior to renewal.

The premium shall not be subject to modifica- tion under the provisions of any rating plan or other Manual rule.

j. Do not modify the premium developed above by any other Manual rule.

3. Attach the applicable Customizing Equipment Cov- erage endorsement to the policy.

C. Recreational Trailers and Camper Bodies PHYSICAL DAMAGE

1. Eligibility

The vehicle towing or hauling shall be insured in the FAJUA for physical damage in conjunction with the recreational trailer or camper body.

2. All physical damage coverages are to be written subject to deductibles. Determine the value, includ- ing the value of any additional facilities or equip- ment. Additional facilities or equipment may include cooking, dining, sleeping, plumbing or refrigeration facilities, rooftop air conditioners, awnings, caba- nas, or other equipment designed to be used with the trailer or camper body.

Registrations, bills of sale, and photos are required for units requesting physical damage coverage. 3. $250 Deductible Comprehensive  Amount of Insurance Not Used in Driving to or from Work or Business Rate per $1,000 All Others Rate per $1,000 $ 0–10,000 $5.29 $8.29 10,001–20,000 5.09 7.99 20,001–30,000 4.80 7.49 30,001–40,000 4.60 7.09 40,001–45,000 4.40 6.69 4. $500 Deductible Collision Amount of Insurance Not Used in Driving to or from Work or Business Rate per $1,000 All Others Rate per $1,000 $ 0–10,000 $12.65 $19.82 10,001–20,000 8.88 13.74 20,001–30,000 8.15 12.65 30,001–40,000 7.66 11.92 40,001–45,000 7.05 11.07  5. Deductible Options

Deductible Premium Charge—Comprehensive

$ 250 Rates determined in accordance with 3 above

500 .65 times $250 deductible compre- hensive premiums

1000 .45 times $250 deductible compre- hensive premiums

Deductible Premium Charge—Collision

$ 250 1.25 times $500 deductible collision premiums

500 Rates determined in accordance with 4 above

1000 .70 times $500 deductible collision premiums

Note: To be eligible for this coverage, the hauling or carrying vehicle must be insured in the policy with the same deductible.

6. Attach the Trailer/Camper Body Coverage (Maxi- mum Limit of Liability) endorsement to the policy.

D. Pickups and Vans Used for Private Passenger Pur- poses

1. Eligibility

Pickups and vans are eligible to be written on a Personal Auto Policy.

2. Premium Computation—Liability, No-Fault, Medical Payments, and Uninsured Motorists

Classify and rate as a private passenger auto. 3. Premium Computation—Physical Damage

a. If a rating symbol is displayed in the Symbol and Identification Manual, use the symbol dis- played.

Refer to the Transition Rule in the S&I Manual for 2011 model year autos.

b. If no rating symbol is displayed in the Symbol and Identification Manual, assign a rating symbol based on the Original Cost New ap- plied to the appropriate Price/Symbol Chart in the Symbol and Identification Manual and rate as a private passenger auto.

NOTE 1: For definition of Original Cost New, see Rule 6.E, NOTE 2 in the General Rules Section.

NOTE 2: Symbol assignments made in ac- cordance with a or b shall be re- viewed at each renewal.