UNAUTHORIZED REPRODUCTION OR DISTRIBUTION OF THIS PROGRAM, OR ANY

(1)

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e

(2)

TEXAS AUTOMOBILE RULES AND RATING MANUAL

Governing the

INSURING OF

AUTOMOBILES

And

Standard

Automobile Endorsements

FOR THE STATE OF

TEXAS

Prescribed and Approved by the Texas Department of Insurance

Pursuant to House Bill 2, as passed by the 72nd Legislature

of the

(3)

TEXAS AUTOMOBILE RULES AND RATING MANUAL

Governing the

INSURING OF

AUTOMOBILES

For the State of

TEXAS

For all new and renewal policies on and after

MARCH 18, 1992

Existing Policies shall not be cancelled or rebated

on a pro rata basis to take advantage of new rates.

Prescribed and Approved by the Texas Department of Insurance Pursuant to House Bill 2, as passed by the 72nd Legislature

of the

STATE OF TEXAS

(4)

TEXAS AUTOMOBILE RULES AND RATING MANUAL INDEX

RULE Academic Achievement Discount ... 74.I. Additional ProvisionsAutomobile Dealers, Service

Operations or Trailer Sales (Broadened Coverages) ... 97.

Adult Operator Age and Mileage Discounts... 74.G. Age Groups ... 44.II.B.1. Airport Bus or Limousine ... 85.D.2.g. All Terrain Vehicles ... 120.

All Terrain Vehicles (Individually Owned) ... 77.C. Ambulance Services ... 121.

Amphibious Equipment ...122.

Amusements Devices ... 57.D.3. Antique, Collectible and Special Interest Automobiles ... 123.

Antique, Collectible and Special Interest Autos (Individually Owned) ... 78.

Antitheft Discount ... 50.

Anti-Lock Brakes Discount ... 74.H. Application of Manual ... 1.

Automobile Body Manufacturers and Installers ... 124.

Automobile Dealers ... 93.

Automobile Service Operation or Trailer Sales ... 95.

Auto Death Indemnity and Total Disability ... 39.A. Bookmobiles, Mobile Libraries, Mobile Health Units, Mobile Offices, Mobile Display Units ... 126.

Business Use Classes Service Use ... 57.B.3.a. Retail Use ... 57.B.3.b. Commercial Use ... 57.B.3.c. Cancellations ... 13.

Certified RisksFinancial Responsibility Laws ... 41.

Changes ... 11.

Charter Bus ... 85.D.2.h. Church Bus ... 85.D.2.d. Classifications Automobile Dealers ... 93.

Automobile Service Operations or Trailer Sales ... 95.

Private Passenger ... 74.

Public Auto ... 85.

Trucks, Tractors or Trailers ... 57.

Combination of Entities ... 21.

Composite Rating Plan ... 48.C. Consumer Bill of Rights... ... 16.

Contents Coverage ... 135.I.C.3. Contents Coverage ... 77.A.4. Contingent Coverage (Owners Only) ... 58.II.D. Contingent Liability Coverage (Leasing Concerns) ... 134.D.1.c. Contingent Physical Damage (Leasing Concerns) ... 134.D.1.d. Continuation of CoverageCanceled or Terminated Policy ... 12.

Conversion, Embezzlement or Secretion Coverage ... 134.D.5. Cost of Hire ... 58.III.B. Daytime Running Lights ... 74.H. Deductible Insurance ... 40.

Definitions Private Passenger ... 71. & 74.C. Miscellaneous Type Vehicles ... 71.A.4. Truckers ... 58.I.A. Double Interest Charge ... 125.A.1. Drive-Away Contractors ... 128.

Drive Other Car Coverage ... 22.

Driver Credits ... 74.E. Driver Training Programs (Educational Institutions and Commercial Driving Schools) and Automobile Repair Training ... 127.

Drug and Alcohol Driving Awareness Training Credits...74.E.3. Dune Buggies ... 129.

Dune Buggies (Individually Owned) ... 77.D. Errors, Omissions and Interim Binder ... 125.B. Excess Liability Policy ... 33.

Experience Rating ... 48.B. RULE Extended Coverage and Unclassified Risks ... 4.A. Extended Non-Owned Auto Coverage ... 81.

False Pretense Coverage ... 94.H.3.d. Farm Trailers ... 57.D.10. Financed Automobiles ... 125.

Financial Responsibility Laws ... 41.

Fire and Theft ... 39.G. Fire Departments ... 130. FleetsWaiver of Description ... 3. Flood ... 39.C. Foreign Coverage ... 38. Funeral Directors ... 131. Garagekeepers Insurance ... 98.

Golf Carts (Individually Owned) ... 77.E. Golfmobiles ... 132.

Gross Receipts or Mileage ... 48.A. Group Marketing of Motor Vehicle Insurance ... 2.

Hazards Otherwise Insured ... 5.

Hired Automobiles ... 24.

Increased Liability Limits ... 43.

Increased Limits Tables ... Increased Limits Section Individual As the Named Insured ... 25.

Individual Risk Submission ... 4.

Installments for Premium Payments ... 14.

Inter-city Bus ... 85.D.2.e. Interim Premium Adjustment ... 46.

Law Enforcement Agencies ... 133.

Leasing or Rental Concerns ... 134.

Limited Specified Causes of Loss ... 39.F. Limousine ... 85.D.2.b. Liquefied Petroleum Gas Dealers, Distributors, Producers or Refiners ... 57.D.6. Loss Rated Risks ... 48.C.9. Mechanical Breakdown Insurance Rules ... 37.

Medical Payments ... 27.

Miscellaneous Coverage ... 39.

Miscellaneous Type Vehicles ... 77.

Miscellaneous Type VehiclesDefinition ... 71.A.4. Mobile Equipment ... 139.

Mobile Health Units ... 126.

Mobile Homes ... 135.

Mobile HomesTrailers ... 135.I.A. Mobileowners Policy ... 135.II. Motor Bus Rules and Regulations ... 85.E. Motorcycle Operator Credits ... 79.

Motorcycles ... 136.

Motorcycles and Other Similar Vehicles (Individually Owned) ... 77.B. Motorhomes ... 135.I.B. Motorhomes (Individually Owned) ... 77.A. Moving Vans or Trucks ... 58.I.A.3.d.(2). Named Non-Owner Coverage ... 80.

Named Non-Owner Policy ... 80.I. Named Non-Owner Special Vehicle Coverage ... 80.III. Named OperatorGovernment Employees ... 80.II. Named Operator or Specified Car Basis ... 99.

Non-Ownership Liability ... 23.

Non-Resident Texas Auto Coverage ... 49. Non-Trucking Operations ... 58.II.C.

TENTH REPRINTING (a) EFFECTIVE MARCH 1, 1997

COPYRIGHT - ICT SERVICES, INC. - 2002

★

(5)

INDEX TEXAS AUTOMOBILE RULES AND RATING MANUAL

RULE Office and Supply Trailers ... 57.D.9. Partnership As the Named Insured ... 23.B.3.

Passenger Hazard Excluded... ... 87.

Passive Restraint Discount ... 74.F. Personal Auto PolicyEligibility ... 72.

Personal Injury Protection ... 28.

Physical Damage CoverageHired, Loaned, Leased or Furnished ... 24.C. Physical Damage Rating Procedures ... 44.

Policy Minimum Premium ... 10.

Policy Term and Renewal Certificate ... 6.

Pollution Liability ... 34.

Premium Calculation ... 7.

Premium Development Automobile Dealers ... 94.

Automobile Service Operations or Trailer Sales ... 96.

Garagekeepers ... 98.

Other Than Zone Rated Automobiles (Public) ... 84.

Other Than Zone Rated Automobiles (Trucks) ... 56.

Private Passenger ... 73.

Special Types and Operations ... 119.

Zone Rated Automobiles (Public) ... 86.

Zone Rated Automobiles (Trucks) ... 59.

Premium Discount Rules ... 47.

Private Passenger Autos ... 71.

Pro Rata Table ... 13.

Public AutomobileClassifications ... 85.

Public AutomobilesNot Otherwise Classified ... 85.D.2.n. Public Transportation ... 83.

Radius Class Local (Public) ... 85.D.1.a. Local (Trucks) ... 57.B.4.a. Intermediate (Public) ... 85.D.1.b. Intermediate (Trucks) ... 57.B.4.b. Long Distance (Public) ... 85.D.1.c. Long Distance (Trucks) ... 57.B.4.c. Rates ... Rate Sections. Rating Plans ... 48.

Referrals to the Texas Department of Insurance ... 4.

Registration Plates Not Issued for a Specific Automobile ... 137.

Renewal Certificate ... 6.

Renewal Discounts ... 74.H. Rental Car Companies ...141.

Rental Coverage (Motorhome) ... 77.A.5. Rental Reimbursement ... 30.

Repossessed Automobiles ... 138.

Retrospective Rating Plan ... 48.D. Riot and Civil Commotion With or Without Mischief and Vandalism ... 39.D. Rolling Stores ... 57.D.4. School Bus ... 85.D.2.c. Second Level Coverage ... 134.D.4. Secondary Classifications Public ... 85.F. Trucks, Tractors, Trailers ... 57.C. RULE Sightseeing Bus ... 85.D.2.i. Single Interest Coverages ... 125.C. Social Service Agency Automobile ... 85.D.2.m. Sound Receiving and Transmitting Equipment ... 31.

Special Extension of Increased Limits ... 35.

Special or Mobile Equipment ... 139.

Special Provisions (Public) ... 85.G. Special Provisions (Truckers) ... 58.II. Special Types and Operations ... 118.

Specially Constructed Trailers or Semi-trailers, Operated by a Cotton Gin ... 57.D.8. Specified Causes of Loss ... 71.F. Student Away From Home ... 74.H. Supplementary Death Benefit (Seat Belt & Airbag Use) ... 39.B. Suspension ... 45.

Tank Trailers ... 57.D.7. Tape and Records Coverage ... 32.

Taxicab ... 85.D.2.a. Territory Schedule and Statistical Codes ... Territory Section. Texas Automobile Insurance Plan Association ... 42.

Texas Department of TransportationCertificated Carriers Public ... 85.E. Trucks ... 58.I.C. Texas Driving Insurance Plan ... 75.

Theft Prevention Authority Pass-Through Fee ... 15.

Towing and Labor Cost ... 39.H. Trailer Interchange Agreement ... 58.II.E. Trailers ... 57.D.12. Trailers and Semi-trailers Used As Showrooms ... 57.D.5. Trailers Designed For Use With Private Passenger Autos or Utility Type Vehicles ... 76.

TrailersPhysical Damage Coverages ... 140.

Transportation of Athletes and Entertainers ... 85.D.2.j. Transportation of Common or Agricultural Workers by Labor Agents ... 89.

Transportation of Employees Other Than Van Pools ... 85.D.2.I. Transportation of Migrant Workers by Farm Labor Contractors ... 88.

Transporters of Liquid Products ... 57.D.2. Truckers ... 58.

Truckers Hauling Exclusively For One Concern ... 58.II.B. Trucks, Tractors and Trailers ... 55.

Two or More Autos Credit ... 74.D. Uninsured/Underinsured Motorists Coverage ... 26.

Unique or Unusual Conditions ... 4.B. Urban Bus ... 85.D.2.f. Van Pools ... 85.D.2.k. Waiver of Subrogation ... 36. Wholesale Floor Plan ... 125.D. Windstorm, Hail, Earthquake ... 39.E.

EFFECTIVE MAY 30, 1998 (b) ELEVENTH REPRINTING

COPYRIGHT - ICT SERVICES, INC. - 2002

★

(6)

TEXAS AUTOMOBILE RULES AND RATING MANUAL SECTION I GENERAL RULES

SECTION IGENERAL RULES

1. APPLICATION OF MANUAL

Throughout this manual Board means the three-member State Board of Insurance and Department means the Texas Department of Insur-ance.

Base rates and base premiums mean the benchmark rates as promul-gated by the Board. The rules in this manual apply to the writing of automobile insurance in the state of Texas.

Exception to these rules must be approved by the Board. A. This manual is divided into separate sections for:

I. General Rules

II. Common Coverages and Rating Procedures III. Trucks, Tractors and Trailers

IV. Private Passenger V. Public Transportation

VI. Garages, Dealers, Service Stations and Parking Facilities

VII. Special Types and Operations.

B. If an automobile is eligible for classification or rating in more than one section of this manual because of its use, use the section producing the highest rated classification, unless 80% of the use is in a lower rated classification.

C. All rates and premiums in this manual are annual rates and premiums unless otherwise specified.

D. When the symbol is shown, it indicates that a form is used.

2. GROUP MARKETING OF MOTOR VEHICLE

INSURANCE

In accordance with Article 21.77, Texas Insurance Code, group market-ing of motor vehicle insurance is permitted when owners of motor ve-hicles are age 55 or over and the following conditions are applicable. Group marketing means the marketing of group motor vehicle insur-ance by a licensed insurer otherwise engaged in insuring independent individual risks to an eligible group on a guaranteed basis under a single insurance program without individual underwriting selection or individual proof of insurability.

Any group, to be eligible for group marketing, must have been in exist-ence for at least six months before the purchase of the insurance and must be a group organized for a purpose other than to become an insur-ance group under the Act, and the group may include any group that will be actuarially credible for underwriting purposes.

Eligible members of a group shall include all members in good standing in the group who are over 55 years of age and lawful drivers. The insurer and the group insured must accept all members who are eligible and wish to participate in the plan.

The plan shall provide that only those automobiles owned by members of the group or their spouses jointly or severally shall be eligible for coverage.

To qualify to write the group insurance defined in this rule, an insurer must also be engaged in the business of writing the type of coverage offered for insureds other than group and may not be organized solely for the purpose of furnishing coverage to such groups.

Coverage on forms prescribed by the Board must be by individual poli-cies issued to each member of the group under an agreement whereby the premiums on the policies issued will be paid to the insurer periodi-cally by the group. An insurer may not cancel the insurance of an eli-gible individual member of the group except for the non-payment of premiums by the member or unless the insurance for the entire group is

canceled or non-renewed and in such cases, not less than 30 days writ-ten notice is given to each insured except for non-payment of premium when not less than 10 days written notice will be given to the individual insured.

Every insurer writing insurance under a group marketing plan shall keep and maintain separate experience data on this type of business, includ-ing complete records of premium income, losses, and expenses so that the experience may be fairly ascertained. Rates for the type of business authorized under this rule shall be determined, fixed, prescribed, and promulgated in the manner provided in Article 5.101, Texas Insurance Code, as amended, so far as it is applicable.

Group automobile insurance on any other basis is not permitted

3. FLEETSWAIVER OF DESCRIPTION

The description of automobiles may be waived for risks containing five or more automobiles, and insured in the same company, provided that the policy states the number of vehicles by type and rating class for each territory of principal garaging or zone, if zone rated.

4. REFERRALS TO THE TEXAS DEPARTMENT

OF INSURANCE

Refer to the Department for:

A. Rating or classifying any risk or exposure for which there is no manual rate or applicable classification.

B. Risks presenting unique or unusual conditions of exposure or hazards not common to other risks in the same classifications, and where the application of the normal manual rating procedure does not produce an appropriate rate for the risk, the risk may be classified separately and individually rated.

Requests for treatment under this rule:

1. must be submitted by the insurer to a qualified entity (if any) to review for accuracy before forwarding to the Department for determination.

2. must specify why the forms and any applicable rates are not appropriate, and must contain full supporting factual data. 3. It is further provided that:

a. forms and any applicable rates applied for under this rule cannot be used by any carrier until approved by the De-partment; and

b. such forms and any applicable rates, when approved, shall not be effective prior to the date of submission, c. approved forms and any applicable rates will have an effective period of not over 12 months, and will terminate at the expiration date of the current policy. In case of a policy issued for a term longer than one year, the approved rates will terminate at the end of the current anniversary period. Approved forms and any applicable rates may be revised provided information is furnished establishing to the satisfaction of the De-partment that the individual rates approved for the risk do not meet the standards as set out in the statute.

Rates approved under this rule are subject to the application of the Automobile Liability Experience Rating Plan.

5. HAZARDS OTHERWISE INSURED

Insurance afforded under other current Business Auto, Truckers or Ga-rage CoveGa-rage Forms for the same risks, may be specifically excluded or included, on a full or excess coverage basis for any specified period.

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ORIGINAL PRINTING 1 EFFECTIVE MARCH 18, 1992

COPYRIGHT - ICT SERVICES, INC. - 2002

(7)

TEXAS AUTOMOBILE RULES AND RATING MANUAL SECTION II COMMON COVERAGES

SECTION IICOMMON COVERAGES AND

RATING PROCEDURES

21. COMBINATION OF ENTITIES

A. Entities eligible for combination, as described under the Texas Automobile Liability Experience Rating Plan;

1. may be insured without regard to premium size under a single policy, with all minimum premiums applying as for a single risk or entity, and

2. must be combined for experience rating.

B. Entities not eligible for combination as described above cannot be combined.

22. DRIVE OTHER CAR COVERAGE (Class

Code 9020)

Policies Other Than Personal Auto Policies

A. A policy may be endorsed to provide drive other car coverage to individuals who do not own an auto and are not afforded personal auto coverage.

B. Drive other car coverage includes coverage for the spouse for no additional charge.

C. RatesRefer to Rate Section II.

23. NON-OWNERSHIP LIABILITY

A. This rule is not applicable to Personal Auto Policies or garage risks.

B. Premium development

1. All risks including social service agencies. Determine the total number of employees of the insured at all locations and select the advance premium from the rate table in Rate Section II.

2. Additional charges:

a. If more than 50% of the insureds employees regularly operate their own automobiles in the insureds business, re-fer to Rate Section II for premium charges.

b. Non-ownership liability (Class Code 6671) coverage may be extended to cover the individual liability of employees while using their automobiles in the employers business. Refer to Rate Section II for premium charges.

3. Partnership as the named insured

When non-ownership liability coverage is afforded, the coverage form provides coverage to a partnership for the active or inac-tive individual partners who use their owned autos in the busi-ness of the partnership.

Multiply the private passenger class 3 rates on the rate pages by .10 for each active or inactive partner for the territory in which the partnership is located. Apply this rating base regardless of the type of automobile being used in the business.

C. Special provision for social service agency risks Additional charges:

1. For volunteers who regularly use their autos to transport so-cial service clients in connection with the agencys programs, refer to Rate Section II. (Class Code 6670)

2. To extend coverage to cover the blanket individual liability of volunteers who use their own automobiles in the agencys so-cial service programs, refer to Rate Section II. (Class Code 6672) 3. Unless there is substantial change in exposures during the policy period, the advance premium is the earned premium.

24. HIRED AUTOMOBILES

A. For automobiles hired, loaned, leased or furnished: 1. Less than 1 year, rate according to B.

2. 1 year or more:

a. If the insured is providing the primary insurance cover-ing the automobile, rate as though owned by the insured. If the policy is extended to cover the owner of the automo-bile as an additional insured, multiply .04 by the otherwise applicable liability rate. (Class Code 6614)

b. If the owner of the automobile is providing the primary insurance, rate according to B.

B. Cost of Hire BasisLiability Coverages (Class Code 6611. Minimum Premium Class Code 6619).

1. For truckers, refer to the truckers rule. 2. Taxis and limousinesRefer to Rate Section II 3. School and church busesRefer to Rate Section II. 4. All other busesRefer to Rate Section II.

5. All other automobilesThe hired car rates per $100 cost of hire are located in Rate Sections III and IV.

6. Premium Computation:

a. Estimate the total cost for hire of automobiles for each state where the insured does business, including the wages of all operators whether provided by the lessor or named insured. Do not include charges for service performed by motor carrier subject to the insurance requirements of any public authority regulating motor carriers.

b. To compute the advance premium, multiply the cost of hire rate determined in accordance with B., 2., 3., 4. or 5. above times each $100 cost of hire.

c. Minimum premium. Refer to Rate Section II.

ExceptionIf a certificate of automobile bodily injury and property damage liability insurance covering the interest of the named insured on a direct primary basis is provided by the owner of such vehicles, the rates per $100 of charges incurred for the hire of automobiles and trailers shall be 5% of the applicable hired car rates. If the owner of such ve-hicles is a motor carrier of property or passengers for hire, who is subject to the security requirements of any motor car-rier law or ordinance, there shall be no premium charge for the hire of such vehicles.

C. Physical Damage Coverage may be provided on a primary or excess basis for automobiles hired, loaned, leased or furnished while being operated by or in the custody of the insured. (Class Code 9990) (Coverage Codes: Other Than Collision 040, Collision 090). Refer to trailer interchange rate tableRate Section III.

ORIGINAL PRINTING 11 EFFECTIVE MARCH 18, 1992

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TEXAS TEXAS TEXAS

TEXAS TEXAS AUTAUTAUTAUTAUTOMOBILE RULES OMOBILE RULES OMOBILE RULES OMOBILE RULES OMOBILE RULES AND RAAND RATING MANUALAND RAAND RAAND RATING MANUALTING MANUALTING MANUALTING MANUAL SECTION IIISECTION IIISECTION IIISECTION IIISECTION III TRUCKS, TRACT

TRUCKS, TRACTTRUCKS, TRACT

TRUCKS, TRACTTRUCKS, TRACTORS ORS ORS ORS ORS AND TRAILERSAND TRAILERSAND TRAILERSAND TRAILERSAND TRAILERS

SECTION III—TRUCKS, TRACT

SECTION III—TRUCKS, TRACTORS

ORS

ORS AND

AND

TRAILERS

55.

55. ELIGIBILITY

ELIGIBILITY

This section applies to all trucks, including utility type vehicles, truck-tractors, trailers and semi-trailers except for the following:

A. A.A.

A.A. Automobiles used for public transportation. Refer to the Public Transportation Section.

B. B.B.

B.B. Automobiles leased or rented to others by leasing or rental con-cerns. Refer to the leasing or rental concerns rule.

C. C.C.

C.C. Utility type vehicles owned by a farm partnership or farm corpo-ration and used for farming or ranching and not customarily used for other business. Refer to the Private Passenger Section.

D. D.D.

D.D. Utility type vehicles which are:

1. 1. 1. 1.

1. described in Rule 71, and

2. 2. 2. 2.

2. not used for the delivery or transportation of goods, materi-als or supplies other than samples, unless;

(a) (a) (a) (a)

(a)the delivery of goods, materials or supplies is not the primary usage of the vehicle.

(b) (b) (b) (b)

(b)for farming or ranching. Refer to the Private Passenger Section.

E. E.E.

E.E. A motor vehicle that is a utility type used in the business of the United States Government, by an employee of the government, may be rated as a private passenger auto if:

1. 1. 1. 1.

1. it is described in Rule 71, and

2. 2. 2. 2.

2. not customarily used in any other occupation, profession or business of the insured other than farming or ranching, and

3. 3. 3. 3.

3. coverage is limited in accordance with the Federal Employ-ees Using Autos in Government Business Endorsement.

F FF

FF... Refer to Special Types and Operations Section for rules appli-cable to: 1. 1. 1. 1. 1. Ambulance Services 2. 2. 2. 2. 2. Fire Departments 3. 3. 3. 3. 3. Funeral Directors 4. 4. 4. 4.

4. Law Enforcement Agencies

5. 5. 5. 5.

5. Special or Mobile Equipment including mobile health units.

G. G.G.

G.G. The Texas Railroad Commission or the Texas Department of Transportation requires that certain commercial motor vehicles (not defined as Truckers vehicles) be registered. A policy covering such vehicles must have the appropriate endorsement attached.

Note: Note: Note: Note:

Note: Utility type means vehicles (with a G.V.W. of 10,000 Ibs. or less) of the pickup body, sedan delivery, panel truck, van type and multi-use type which includes Jeeps, Blazers, Rancheros, Broncos, and other simi-lar type vehicles.

56.

56. PREMIUM DEVELOPMENT—OTHER

PREMIUM DEVELOPMENT—OTHER

THAN ZONE RA

THAN ZONE RATED

TED

TED AUT

AUT

AUTOMOBILES

OMOBILES

A.

A.A. A.

A. This rule applies to:

1. 1. 1. 1.

1. All light trucks and trailers used with light trucks.

2. 2. 2. 2.

2. All other trucks, tractors and trailers which regularly operate within a 200 mile radius from the street address of principle garaging. For automobiles regularly operating beyond a 200 mile radius, refer to the premium development —zone rated automobiles rule.

B. B. B. B.

B. If the risk is to be rated on a gross receipts, mileage, loss or composite basis, refer to the rating plans rule.

C. C. C. C.

C. Determine the classification rating factor and class code as fol-lows:

1. 1.1.

1.1. Determine whether the risk is classified as fleet or non-fleet according to the trucks, tractors and trailers classifications rule.

2. 2.2.

2.2. Determine the primary rating factor from the trucks, tractors and trailers classifications rule based on size class, business use class and radius class.

3. 3.3.

3.3. Determine the secondary rating factor, if any, from the trucks, tractors and trailers classifications rule based on the special in-dustry classifications.

4. 4.4.

4.4. Determine the combined rating factor by adding or subtract-ing the secondary ratsubtract-ing factor to or from the primary ratsubtract-ing factor.

5. 5.5.

5.5. For trailers used with light trucks which regularly operate beyond a 200 mile radius, use the rating factor for the interme-diate rating class.

D. D. D. D.

D. Premium Computation:Premium Computation:Premium Computation:Premium Computation:Premium Computation: 1.

1.1.

1.1. Determine the territory from the territory definitions based on the street address of principal garaging.

2. 2.2.

2.2. Liability coverages.Liability coverages.Liability coverages.Liability coverages.Liability coverages. a.

a.a. a.

a. Determine the fleet or non-fleet base premiums from the liability base premium page on the rate pages.

b. b.b. b.

b. Multiply the base premium by the combined rating fac-tor.

3. 3.3.

3.3. Physical damage coveragesPhysical damage coveragesPhysical damage coveragesPhysical damage coveragesPhysical damage coverages are on an actual cash value or stated amount basis.

a. a.a. a.

a. Actual cash value premiums are based on original cost new and age group of the vehicle.

(1) (1)(1)

(1)(1) Determine the age group.

(2) (2)(2)

(2)(2) Determine the original cost new.

(3) (3)(3)

(3)(3) Determine the appropriate base physical damage premiums in Rate Section lIl.

(4) (4)(4)

(4)(4) Multiply the base premiums by the combined rat-ing factor.

(5) (5)(5)

(5)(5) For trailers, size class does not apply.

b. b.b. b.

b. Stated amount basis—Determine the premium as fol-lows:

(1) (1)(1)

(1)(1) Determine the value of the automobile.

(2) (2)(2)

(2)(2) Divide the value by 100.

(3) (3)(3)

(3)(3) Multiply this amount by the stated amount rate in the rate pages.

(4) (4)(4)

(4)(4) Multiply the stated amount premium by the appro-priate primary and secondary rating factors.

E. E. E. E.

E. Medical payments and personal injury protection.Medical payments and personal injury protection.Medical payments and personal injury protection.Medical payments and personal injury protection.Medical payments and personal injury protection. 1.

1.1.

1.1. Refer to the medical payments and personal injury protec-tion table C for rates.

2. 2.2.

2.2. Primary and secondary rating factors do not apply.

F F F F

F... Uninsured/underinsured motorists coverage.

1. 1.1.

1.1. For rates refer to uninsured/underinsured rate page.

2. 2.2.

2.2. Primary and secondary rating factors do not apply.

57.

57. TRUCKS, TRACT

TRUCKS, TRACT

TRUCKS, TRACTORS

ORS

ORS AND TRAILERS

AND TRAILERS

CLASSIFICA

CLASSIFICATIONS

TIONS

Liability and Physical Damage Coverages Liability and Physical Damage Coverages Liability and Physical Damage Coverages Liability and Physical Damage Coverages Liability and Physical Damage Coverages A.

A. A. A.

A. Fleet—Non-fleet Classifications:Fleet—Non-fleet Classifications:Fleet—Non-fleet Classifications:Fleet—Non-fleet Classifications:Fleet—Non-fleet Classifications: 1.

1.1.

1.1. Classify as fleet the automobiles of any risk that has five or more self-propelled automobiles of any type that

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THIRD REPRINTING 33 EFFECTIVE FEBRUARY 1, 1999

COPYRIGHT- ICT SERVICES, INC. - 2002

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TEXAS TEXAS TEXAS

TEXAS TEXAS AUTAUTAUTAUTAUTOMOBILE RULES OMOBILE RULES OMOBILE RULES OMOBILE RULES OMOBILE RULES AND RAAND RATING MANUALAND RAAND RAAND RATING MANUALTING MANUALTING MANUALTING MANUAL SECTION IVSECTION IVSECTION IVSECTION IVSECTION IV PRIV

PRIVPRIV

PRIVPRIVAAAAATE PTE PTE PTE PTE PASSENGERASSENGERASSENGERASSENGERASSENGER

SECTION IV—PRIV

SECTION IV—PRIVA

A

ATE P

TE P

TE PASSENGER

ASSENGER

AUT

AUTOS, NON-OWNER COVERAGES

OS, NON-OWNER COVERAGES

OS, NON-OWNER COVERAGES AND

AND

MISCELLANEOUS TYPE VEHICLES

ELIGIBLE FOR COVERAGE UNDER

PERSONAL

PERSONAL AUT

AUT

AUTO POLICIES

O POLICIES

71.

71. DEFINITIONS

DEFINITIONS

A.

A. A. A.

A. 1.1.1.1.1. A private passenger auto is a four wheel motor vehicle, other than a truck type, owned or leased under written contract for a continuous period of at least six months.

2. 2. 2. 2.

2. A motor vehicle that is a utility type vehicle shall be consid-ered a private passenger auto, if it is:

a. a. a. a.

a. owned or leased under written contract for a continu-ous period of at least six months:

(1) (1)(1) (1)

(1) by an individual, or by two or more individuals who are residents of the same household, or

(2) (2)(2) (2)

(2) by two or more individuals who are not residents of the same household, but are related by blood, mar-riage or adoption, including a ward or foster child; and

b. b. b. b.

b. not used for the delivery or transportation of goods, materials or supplies other than samples, unless;

(1) (1)(1) (1)

(1) the delivery of goods, materials or supplies is not the primary usage of the vehicle.

(2) (2)(2) (2)

(2) for farming or ranching.

Utility type means vehicles (with a G.V.W. of 10,000 Ibs. or less) of the pickup body, sedan delivery, panel truck, van type and multi-use type which includes Jeeps, Blazers, Rancheros, Broncos and other similar vehicles.

3. 3. 3. 3.

3. A motor vehicle owned by a farm partnership or farm cor-poration shall be rated as a private passenger auto if:

a. a. a. a.

a. it is principally garaged on a farm or ranch and princi-pally used in farm or ranch operations, and

b. b. b. b.

b. it meets the requirements in 1. and 2.b. above. Refer to Rule 74.B. Exception

4. 4. 4. 4.

4. Miscellaneous type vehicles include golfmobiles, pickup trucks used solely to transport camper bodies, motorhomes, motorcycles, motorscooters, motorbikes, all terrain vehicles and similar motor vehicles not used for business purposes, other than farming or ranching.

5. 5. 5. 5.

5. Trailers include the following types:

a. a. a. a.

a. Utility type trailers. Vehicles designed to be pulled by a private passenger auto or utility type vehicle not used for business or commercial purposes other than farming or ranching.

This does not include mobile home, recreational, store, dis-play or passenger trailers.

b. b. b. b.

b. Mobile home and recreational type trailers. Mobile homes must be equipped with living quarters which include cooking, dining, sleeping facilities and plumbing or refrig-eration. Recreational trailer type mobile home must be less than 40 feet in length, less than 8 feet in width and be used primarily for recreational camping. This includes camper trailers not otherwise fitting the definition of mobile homes but used for recreational camping.

B. B. B. B.

B. An auto subject to rating under any other section of this manual shall not be considered a private passenger auto as defined in this section.

C. C. C. C.

C. Auto as used in this section refers to a private passenger auto or a vehicle considered as a private passenger auto.

D. D. D. D.

D. Liability as used in this section refers only to bodily injury and property damage coverages.

E. E. E. E.

E. Comprehensive coverage as used in this manual means other than collision coverage as respects the personal auto policy.

F F F F

F... Specified Causes of Loss as used in this section means the following coverages:

1. 1. 1. 1.

1. fire, lightning or explosion;

2. 2. 2. 2. 2. theft; 3. 3. 3. 3.

3. the sinking, burning, collision or derailment of any vessel or vehicle in or upon which your auto is being transported;

4. 4. 4. 4.

4. windstorm, hail or earthquake;

5. 5. 5. 5. 5. flood; 6. 6. 6. 6. 6. mischief or vandalism.

72.

72. PERSONAL

PERSONAL

PERSONAL AUT

PERSONAL

AUT

AUTO POLICY

AUT

O POLICY

O POLICY AND

O POLICY

AND

COVERAGE—ELIGIBILITY

A. A. A. A.

A. A Personal Auto Policy shall be used to afford coverage, or personal auto coverage shall be afforded, to private passenger au-tos and motor vehicles considered as private passenger auau-tos or trailers if:

1. 1. 1. 1.

1. they are written on a specified auto basis, and

2. 2. 2. 2.

2. they are owned by an individual or jointly by two or more individuals who are residents of the same household.

B. B. B. B.

B. A Personal Auto Policy shall be used to afford coverage or personal auto coverage shall be afforded to miscellaneous type vehicles if:

1. 1. 1. 1.

1. they are written on a specified auto basis;

2. 2. 2. 2.

2. they are owned by an individual or jointly by two or more individuals who are residents of the same household; and

3. 3. 3. 3.

3. they are not used in a business of rental and leasing (other than motor homes on an incidental basis — refer to the Mis-cellaneous Type Vehicle Rule for rental coverage); and

4. 4. 4. 4.

4. coverage is limited in accordance with the Miscellaneous Type Vehicle Endorsement.

Exception: Exception: Exception: Exception:

Exception: Exposures in A. or B. above may be written under a commercial auto policy when combined with a commercial risk or when an auto is used in business. Attach the Individual Named Insured Endorsement.

C. C. C. C.

C. The Personal Auto Policy shall be used to afford coverage to a named individual who does not own an auto. The applicable en-dorsement must be attached.

D. D. D. D.

D. "Owned" as used in this Section IV includes an auto leased under written contract for a continuous period of at least six months. If an auto lease contract requires the lessee to provide primary insurance for the lessor, attach the applicable endorsement.

E. E. E. E.

E. The Personal Auto Policy may be used to afford coverage to joint named insureds who are residents of the same household even if such joint named insureds do not jointly own the automobile(s).

The Personal Auto Policy may be used to afford coverage to joint named insureds who are related by blood, marriage or adoption, including a ward or foster child; and who are not residents of the same household, even if such joint insureds do not jointly own the auto, if:

FIRST PRINTING 47 EFFECTIVE FEBRUARY 1, 1999

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TEXAS AUTOMOBILE RULES AND RATING MANUAL SECTION V PUBLIC TRANSPORTATION

SECTION VPUBLIC TRANSPORTATION

83. ELIGIBILITY

This section applies to automobiles registered or used for the transpor-tation of members of the public as described herein.

84. PREMIUM DEVELOPMENTOTHER

THAN ZONE RATED AUTOMOBILES

A. This rule applies to:

1. All taxis, limousines (except airport limousines), school, church and urban buses and van pools.

2. All other public automobiles which regularly operate within a 200 mile radius from the street address of principal garag-ing. For those automobiles regularly operated beyond a 200 mile radius, refer to the premium developmentzone rated automobiles rule.

B. If risk is to be rated on a gross receipts or mileage basis, refer to the rating plans rule.

C. Determine the classification rating factor and class code as follows:

1. Determine whether the risk is classified as fleet or non-fleet according to the public automobile classifications rule. 2. Determine the primary rating factor from the public auto-mobile classifications rule based on use class and radius class. For van pools, the rating factor is based on seating capacity. 3. Determine the secondary rating factor, if any, from the pub-lic automobile classifications rule based on the seating capac-ity.

4. Determine the combined rating factor by adding the sec-ondary rating factor to, or subtracting it from, the primary rat-ing factor.

D. Premium Computation:

1. Determine the rating territory from the territory definitions based on the highest rated territory where the public automo-bile is operated.

2. Liability coverages

a. Determine the fleet or non-fleet base premiums in Rate Section V.

b. Multiply the base premium by the combined rating fac-tor.

3. Physical damage coverages are on an actual cash value or stated amount basis.

a. Actual cash value premiums are based on original cost new and age group of the vehicle.

(1) Determine the age group. (2) Determine the original cost new.

(3) Determine the appropriate physical damage base premium in Rate Section V.

(4) Multiply the base premiums by the combined rat-ing factor.

b. Stated amount basisdetermine the premium as fol-lows:

(1) Determine the value of the automobile. (2) Divide the value by 100.

(3) Multiply this amount by the stated amount rate in Rate Section V.

(4) Multiply the stated amount premium by the com-bined rating factor.

4. Medical payments, personal injury protection or uninsured/ underinsured motorists coverage.

a. For medical payments and personal injury protection determine the premium from the medical payments and personal injury protection tables in Rate Section II. The rate thus determined from the table will not be modi-fied by a primary or secondary rating factor.

b. For uninsured/underinsured motorists coverage refer to the uninsured/underinsured motorists tables in Rate Sec-tion II.

85. PUBLIC AUTOMOBILE

CLASSIFICATIONS

Classify public automobiles as follows:

A. If an automobile has more than one use, use the highest rated classification unless 80% of the use is in a lower rated activity. In that case, use the lower rated classification.

B. Fleetnon-fleet classification:

1. Classify as fleet the automobiles of any risk that has five or more self-propelled automobiles of any type that are under one ownership. Do not include automobiles owned by allied or subsidiary interests unless the insured holds a majority finan-cial interest as defined in Section III, Rule 2 of the Automobile Liability Experience Rating Plan.

2. Do not include mobile equipment insured on a General Li-ability Policy in determining if the risk is a fleet.

3. Do not include trailers in determining if the risk is a fleet, but apply the fleet classification to the trailers if the risk other-wise is classified as a fleet.

4. Classify the automobiles of any other risk as non-fleet. 5. Do not change the fleet or non-fleet classification because of mid-term changes in the number of owned automobiles ex-cept at the request of the insured. The policy must be can-celed and rewritten in accordance with the cancellation rule. C. Seating capacity:

1. Use the seating capacity specified by the manufacturer of the automobile unless a public authority rules otherwise. 2. Do not include the drivers seat when determining seating capacity.

D. Primary classifications:

1. Radius classdetermine radius on a straight line from the street address of principal garaging.

a. Localup to 50 milesThe automobile is not regu-larly operated beyond a radius of 50 miles from the street address where such automobile is principally garaged. b. Intermediate51 to 200 milesThe automobile is operated beyond a radius of 50 miles but not regularly be-yond a radius of 200 miles from the street address where such automobile is principally garaged.

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TEXAS AUTOMOBILE RULES AND RATING MANUAL SECTION VI GARAGES

SECTION VI GARAGES, DEALERS,

SER-VICE STATIONS AND PARKING FACILITIES

93. AUTOMOBILE DEALERSELIGIBILITY

A. This subsection applies to franchised and non-franchised au-tomobile dealers primarily engaged in the sale of auau-tomobiles other than trailer dealers. For trailer dealers refer to the automobile ser-vice operations or trailer sales subsection.

B. Classifications and codes:

1. Only one classification and code apply to a risk for both liability and physical damage coverages, if providing only physi-cal damage coverage, use the limited customer coverage code. Limited Unlimited customer customer coverage coverage a. Franchised private

passenger auto dealer (with or without any other type

of franchise) 7301 7302 b. Franchised truck or

truck-tractor dealer (with or without any other type of franchise except private

passenger auto franchise) 7311 7312 c. Franchised motorcycle

dealer including all two wheeled cycle vehicles (no private passenger or truck

franchise) 7321 7322 d. Franchised recreational

vehicle dealer (no private passenger, snowmobile or residence type mobile

home trailer franchise) 7331 7332 e. Other franchised

self-propelled land motor vehicle

dealer 7341 7342

f. Non-franchised dealer (any risk described above that is not a franchised

dealer) 7351 7352

2. The following classifications also apply for physical dam-age coverdam-ages:

a. Standard open lots are open parking storage lots en-closed on all sides by a metal cyclone or equivalent fence not less than six feet in height; or bounded on one or more sides by the wall or walls of a building, with no unprotected openings, and with the exposed sides of the lot enclosed by a metal cyclone or equivalent fence not less than six feet in height, with openings securely locked when unat-tended. (Buildings and Open Lots Code 2)

b. Non-standard open lots are all other open lot locations, or unroofed space and buildings not securely enclosed and locked when unattended. (Buildings and Open Lots Code 3)

c. Buildings. (Buildings and Open Lots Code 1) d. BuildingsMiscellaneous Types. (Buildings and Open Lots Code 4)

e. Open LotsMiscellaneous Types. (Buildings and Open Lots Code 5)

94. AUTOMOBILE DEALERSPREMIUM

DEVELOPMENT

The liability rates reflect an aggregate limit, applicable to other than auto losses, of three times the otherwise applicable per accident liability limit. For alternate aggregate limits of liability refer to In-creased Limit Table II., D.

For each location determine the rating territory from territory defini-tions based on street address.

Compute the advance premium at inception and the earned pre-mium as developed by audit separately for each location according to the following procedures.

A. Liability (limited coverage for customers)Multiply the rates in Rate Section VI by the total rating units determined as follows:

1. Class Iemployees including part-time employeesMul-tiply the number of class I employees working an average of less than 20 hours a week for the number of weeks worked by .50 before determining the number of rating units.

a. Determine the number of rating units by multiplying the number of these employees by 1.00.

(1) Proprietors, partners and officers active in the business.

(2) Sales persons, general managers, service manag-ers.

(3) Any employee whose principal duty involves the operation of automobiles or who is furnished a garage automobile.

b. All other employeesDetermine the number of rat-ing units by multiplyrat-ing the number of employees by .40. 2. Class IInon-employeesAny individual other than a per-son described in class I who is regularly furnished with a dealers automobile. If more than one person has use of the same furnished automobile, use only the factor for the highest rated operator in determining rating units.

a. Under age 25Determine the number of rating units by multiplying the number of these persons by 1.15. b. Age 25 or overDetermine the number of rating units by multiplying the number of these persons by .50. 3. For non-franchised dealer, multiply the dealer rates shown in Rate Section VI by 1.20.

4. The minimum premium is the dealers rate shown in Rate Section VI for the highest rated location multiplied by 2.00. B. Liabilityunlimited coverage for customers:

1. Liability coverage may be extended to provide unlimited customer coverage.

2. Multiply the total premium developed for the limited liability by 1.05.

C. Automobiles furnished for regular use to other than class I or class II operators, for example: welcome wagons, or automobiles or motorcycles furnished to driver training programs. Compute the premiums for all coverages for each owned automobile as follows: 1. Private passenger automobiles (Class Code 7877). Charge class 3 private passenger premiums.

2. Utility types, trucks, tractors and trailers (Class Code 7878). Charge the premiums developed by the applicable trucks, trac-tors or trailers classification.

3. Motorcycles (Class Code ). Charge the premiums developed by the applicable motorcycle classification.

ORIGINAL PRINTING 73 EFFECTIVE MARCH 18, 1992

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TEXAS AUTOMOBILE RULES AND RATING MANUAL SECTION VII SPECIAL TYPES

SECTION VIISPECIAL TYPES AND

OPERATIONS

118. ELIGIBILITY

This section applies to all automobiles specified herein that are not classified and rated in the other sections.

An auto specified herein owned by an individual or by husband and wife who are residents in the same household not customarily used in the occupation, profession or business of the insured other than farm-ing or ranchfarm-ing shall be afforded personal auto coverage in accordance with the Private Passenger Section.

119. PREMIUM DEVELOPMENT

A. Determine the rating territory from the territory definitions based on the street address of principal garaging.

B. Liability and physical damage. See specific rating instructions for each classification in this section.

C. Medical payments and personal injury protection. Refers to specific rules in this section. If no premium or procedures are shown, determine premiums as follows:

1. If liability premiums are developed from commercial base premium fleet or non-fleet, charge commercial autos medical payments and personal injury protection premiums. 2. If liability premiums are developed from private passenger type premiums charge private passenger medical payments and personal injury protection premiums.

D. Uninsured/underinsured motorists coverage. Refer to Rate Section II.

120. ALL-TERRAIN VEHICLES

This rule does not apply to vehicles eligible for personal auto coverage. All-terrain vehicles (Class Code 9590) are four or six wheel motor vehicles equipped with balloon tires or crawler treads, designed for use on rugged terrain or rugged terrain and water.

The premiums determined by this rule are nonrefundable mini-mum premiums for the policy period.

A. Not used for commercial purposes:

1. Liability, medical payments and personal injury pro-tectionRefer to Rate Section VII.

2. Uninsured/underinsured motoristsRefer to Rate Sec-tion II.

3. Physical damageRefer to Rate Section VII. B. Used for commercial purposes:

1. Liability, medical payments and personal injury pro-tectionRefer to Rate Section VII.

2. Uninsured/underinsured motoristsRefer to Rate Sec-tion II.

3. Physical damage

Specified causes of loss and collisionRefer to Rate Section VII.

ComprehensiveRefer to Rate Section III, all other type for stated amount.

121. AMBULANCE SERVICES

A. The policy must exclude coverage for bodily injury to any vol-unteer worker engaged in rescue squad or ambulance corps op-erations.

B. The policy must exclude coverage for bodily injury or property damage which results from providing or failing to provide any pro-fessional service.

C. Premium Computation. Refer to Rate Section VII.

122. AMPHIBIOUS EQUIPMENT

For automobiles designed to operate on both land and water, rate as land automobiles according to their use.

123. ANTIQUE, COLLECTIBLE AND SPECIAL

INTEREST AUTOMOBILES (Class Code

9620)

A. This rule applies to automobiles that are:

1. not eligible for coverage under a Personal Auto Policy, and 2. maintained primarily for use in exhibitions, club activities, parades and other functions of public interest and

3. occasionally used for other purposes.

B. Premium Computation. Refer to Rate Section VII.

124. AUTOMOBILE BODY

MANUFACTURERS AND INSTALLERS

(Class Code 7924)

An automobile, body or trailer manufacturer may be insured for the testing or delivery of any automobile it manufactures, assembles, re-builds or repairs.

Premium Computation.

A. Compute the premium for owned automobiles, hired automo-biles and non-ownership liability in the usual manner.

B. Factory testing hazard. Refer to Rate Section VII.

125. FINANCED AUTOMOBILES

A. Dual interest coverage

1. Every policy must be issued at full benchmark rates appli-cable to the automobile insured in the territory involved sub-ject to the minimum premium prescribed in the manual. All coverages provided by manual rules may be added to any policy by the attachment of the proper form therefor as pre-scribed in the manual and full benchmark rates shall be charged.

A Special Loss Payable and Cancellation Endorsement is avail-able for optional use on individual policies. The Special Loss Payable and Cancellation Endorsement provides that the lien-holder/loss payee is responsible for payment of the premium for the policy and that a written notice of any cancellation or material change in the policy will be mailed to the lienholder/ loss payee at least 10 days prior to cancellation or material change.

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TEXAS AUTOMOBILE RULES AND RATING MANUAL TERRITORY SECTION

TERRITORY SCHEDULE AND STATISTICAL CODE

The following pages contain the Texas Territory Schedule and Statistical Code designations for all automobile liability and physical damage coverages. Common territory definitions are prescribed for all coverages, i.e., 01 applies for Harris County for bodily injury and property damage liability coverages as well as comprehensive, specified causes of loss and collision coverages.

The appropriate territory schedule and statistical code number may be determined by referring to either the alphabetical county index or city-town index. If the county is unknown and the city or town index does not list the locality desired, refer to an atlas or map for necessary identifying information.

In the event the city or town is located in more than one county, the actual county of garaging determines the territory.

TEXAS COUNTY INDEX

State Code 42 TEXAS

Terr. Sched. County & Code

A Anderson ... 63 Andrews ... 61 Angelina ... 47 Aransas ... 55 Archer ... 63 Armstrong ... 65 Atascosa ... 64 Austin ... 64 B Bailey ... 65 Bandera ... 64 Bastrop ... 64 Baylor ... 65 Bee ... 64 Bell ... 51 Bexar ... 03 Blanco ... 64 Borden ... 65 Bosque ... 63 Bowie ... 41 Brazoria ... 37 Brazos ... 66 Brewster ... 65 Briscoe ... 65 Brooks ... 56 Brown ... 63 Burleson ... 64 Burnet ... 64 C Caldwell ... 64 Calhoun ... 54 Callahan ... 65 Cameron ... 57 Camp ... 63 Carson ... 65 Cass ... 63 Castro ... 65 Chambers ... 49 Cherokee ... 63 Childress ... 65 Clay ... 63 Cochran ... 65 Coke ... 65 Coleman ... 65 Collin ... 28 Collingsworth ... 65 Colorado ... 64 Comal ... 53 Comanche ... 63 Concho ... 65 Cooke ... 63 Coryell ... 63 Cottle ... 65 Terr. Sched. County & Code Crane ... 61 Crockett ... 65 Crosby ... 65 Culberson ... 65 D Dallam ... 65 Dallas ... 02 Dawson ... 65 Deaf Smith ... 65 Delta ... 63 Denton ... 27 DeWitt ... 64 Dickens ... 65 Dimmit ... 64 Donley ... 65 Duval ... 64 E Eastland ... 63 Ector ... 59 Edwards ... 64 Ellis ... 31 El Paso ... 05 Erath ... 63 F Falls ... 63 Fannin ... 63 Fayette ... 64 Fisher ... 65 Floyd ... 65 Foard ... 65 Fort Bend ... 38 Franklin ... 63 Freestone ... 63 Frio ... 64 G Gaines ... 65 Galveston ... 22 Garza ... 65 Gillespie ... 64 Glasscock ... 65 Goliad ... 64 Gonzales ... 64 Gray ... 62 Grayson ... 13 Gregg ... 42 Grimes ... 63 Guadalupe ... 53 H Hale ... 65 Hall ... 65 Hamilton ... 63 Hansford ... 65 Terr. Sched. County & Code Hardeman ... 65 Hardin ... 48 Harris ... 01 Harrison ... 44 Hartley ... 65 Haskell ... 65 Hays ... 53 Hemphill ... 65 Henderson ... 63 Hidalgo ... 57 Hill ... 63 Hockley ... 65 Hood ... 46 Hopkins ... 63 Houston ... 63 Howard ... 60 Hudspeth ... 65 Hunt ... 63 Hutchinson ... 62 l Irion ... 65 J Jack ... 63 Jackson ... 64 Jasper ... 63 Jeff Davis ... 65 Jefferson ... 21 Jim Hogg ... 56 Jim Wells ... 55 Johnson ... 34 Jones ... 65 K Karnes ... 64 Kaufman ... 45 Kendall ... 64 Kenedy ... 56 Kent ... 65 Kerr ... 64 Kimble ... 64 King ... 65 Kinney ... 64 Kleberg ... 55 Knox ... 65 L Lamar ... 63 Lamb ... 65 Lampasas ... 63 La Salle ... 64 Lavaca ... 64 Lee ... 64 Leon ... 63 Liberty ... 49 Limestone ... 63

ORIGINAL PRINTING 103 EFFECTIVE MARCH 18, 1992

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TEXAS AUTOMOBILE RULES AND RATING MANUAL INCREASED LIMITS TABLES

AUTOMOBILE INCREASED LIMITS TABLES

Introduction

The following tables contain the increased limits factors and charges to be used in determining premium at limits in excess of $20,000/$40,000 bodily injury, $15,000 property damage and $55,000 combined liability limit.

Refer to the Department for factors for limits of liability not included herein.

Refer to the conversion tables in this section in those cases when liability limits of less than $20,000/$40,000 bodily injury, $15,000 property damage or $55,000 combined liability limit are required.

INCREASED LIMITS TABLE I

Applicable to private passenger automobiles and miscellaneous type vehicles as classified and rated in the private passenger section of this manual.

A. Bodily injury

Limits in Thousands Limit Per Person

20/40 25/50 25/100 50/50 55/55 50/100 75/75 100/100 100/200

100% 111% 123% 127% 129% 137% 137% 147% 158%

Supplemental Table Limits in Thousands Limit Per Person

Limit Per Oc-cur- 100 150 200 250 300 400 500 600 700 800 900 1000 1250 1500 1750 2000 2500 3000 3500 4000 4500 5000 6000 7000 8000 9000 10000 rence % % % % % % % % % % % % % % % % % % % % % % % % % % % 300 171 174 176 179 180 400 174 177 179 180 181 186 500 176 179 180 184 187 189 193 600 179 181 183 185 189 190 194 199 700 180 183 184 188 192 193 197 200 204 800 183 186 187 190 193 194 199 203 207 212 900 184 187 189 192 196 197 201 204 209 213 217 1000 187 190 191 194 197 199 202 207 212 216 220 221 1250 189 191 193 195 199 200 203 209 213 217 222 223 230 1500 191 194 196 198 202 203 206 212 216 220 224 226 233 240 1750 193 196 197 200 203 204 208 213 217 222 226 227 234 241 249 2000 194 197 199 202 206 207 211 216 220 224 229 230 237 244 250 257 2500 199 201 203 205 209 210 213 219 223 227 232 233 240 247 254 262 267 3000 201 204 206 210 213 214 218 223 227 232 236 237 244 251 257 264 272 279 3500 206 209 210 214 217 219 222 227 232 236 240 241 249 256 262 269 276 283 289 4000 210 213 214 218 222 223 226 232 236 240 244 246 251 259 266 273 280 287 293 299 4500 213 216 217 221 225 226 229 234 239 243 247 249 256 263 269 276 283 290 296 302 307 5000 217 220 222 225 229 230 233 239 243 247 252 253 259 266 273 280 287 294 300 306 312 317 6000 219 222 223 227 230 232 235 240 244 249 253 254 260 267 274 282 289 296 302 307 313 319 323 7000 222 224 226 230 233 234 238 243 247 252 254 256 263 270 277 284 292 299 305 310 315 320 326 332 8000 223 226 227 231 235 236 239 244 249 253 257 259 264 272 279 286 293 300 306 312 317 323 327 333 339 9000 226 229 230 234 237 239 242 247 252 256 259 260 267 274 282 289 296 303 309 315 319 325 330 336 342 348 10000 227 230 232 235 239 240 243 249 253 257 260 262 269 276 283 290 297 305 310 316 320 326 332 337 343 349 355

B. Property Damage C. Combined Liability Limit.

$ 15,000 ... 100% $ 120,000 ... 113% $ 550,000 ... 126% $ 55,000 ... 100% 20,000 ... 101 130,000 ... 114 600,000 ... 127 75,000 ... 103 25,000 ... 102 140,000 ... 115 650,000 ... 128 100,000 ... 107 30,000 ... 103 150,000 ... 116 700,000 ... 129 150,000 ... 112 35,000 ... 104 175,000 ... 117 750,000 ... 130 200,000 ... 116 40,000 ... 105 200,000 ... 118 800,000 ... 131 250,000 ... 119 45,000 ... 106 225,000 ... 119 850,000 ... 132 300,000 ... 123 50,000 ... 107 250,000 ... 120 900,000 ... 133 325,000 ... 124 60,000 ... 108 275,000 ... 121 950,000 ... 134 400,000 ... 126 70,000 ... 108 300,000 ... 122 1,000,000 ... 135 500,000 ... 128 80,000 ... 109 350,000 ... 123 2,000,000 ... 144 750,000 ... 136 90,000 ... 110 400,000 ... 124 3,000,000 ... 153 1,000,000 ... 142 100,000 ... 111 450,000 ... 125 4,000,000 ... 160 2,000,000 ... 158 110,000 ... 112 500,000 ... 125 5,000,000 ... 167 5,000,000 ... 189 10,000,000 ... 215

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SEVENTH REPRINTING 109 EFFECTIVE DECEMBER 31, 2001 COPYRIGHT - ICT SERVICES, , , , INC. -. - . - . -. - 2002

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TEXAS AUTOMOBILE RULES AND RATING MANUAL RATE SECTION II COMMON COVERAGES

22. DRIVE OTHER CAR COVERAGE (CLASS

CODE 9020)

C. (Rates for individuals who do not own an auto and are not afforded personal auto coverage).

* Premium Per Limit Named

Coverage Limits Code Individual

Combined $55,000 each accident 09 $32 Liability

Bodily Injury $20,000 each person 14 40,000 each accident

Property Damage 15,000 each accident 14

Medical Payments 500 1 11 1,000 3 13 2,500 4 16 5,000 6 18 10,000 7 23 25,000 29 50,000 33 75,000 34 100,000 35 Comprehensive

(COV. CODE 038) Full 7

Collision

(COV. CODE 088) $50 Ded. 21

*No additional charge for spouse.

23. NON OWNERSHIP LIABILITY

B. Premium Development

1. Total Bodily Property Combined Number Injury Damage Liability Class Of Limits Limit Limit Code Employees $20/40 $15,000 $55,000 6601 0-25 $16 $6 $28 6602 26-100 33 22 68 6603 101-500 112 71 226 6604 501-1,000 211 139 431 6605 Over 1,000 330 204 661

2. a. Multiply the actual number of those employees using

their own autos in the insured’s business times .045 of the class 3 liability rate applicable at the headquarters location and add the result to the advance premium.

b. Multiply the premium determined paragraph 1. above

by .25.

C. Special provision for social service agency risks. 1. Multiple the total number of volunteers who regularly

oper-ate their own autos to transport social service clients in con-nection with agency’s program by the following rate:

Bodily Property Combined Injury Damage Liability $20/40 $15,000 $55,000

Rate $2 $1 $4

Minimum

Premium 5 13 20

2. Charge the following rate per volunteer:

Rate $2 $1 $4

Minimum

Premium 5 13 20

Minimum premium applies per policy.

24. HIRED AUTOMOBILES

B. Liability Coverages

2. Taxis and Limousines - Charge .02 of the specified car rate

determined in accordance with the applicable manual rule.

3. School and church buses - Charge .02 of the Class 3

pri-vate passenger rate.

4. All other buses - Charge .01 of the specified car rate

deter-mined in accordance with the applicable manual rule.

6. Premium Computation: c. Minimum Premium.

$13 $3 $20

26. UNINSURED/UNDERINSURED

MOTORISTS COVERAGE

NOTE APPLICABLE TO TABLES

For limits below the maximum limits shown in Tables A, B & C interpo-lation may be used.

TABLE A Bodily Injury Premiums

Territories 01,02,03,04,05, All Limits 06,07,12,21,22 Other * $ 20/40 Involuntary $105 $72 20/40 Voluntary 38 26 25/50 43 29 50/50 56 39 55/55 57 40 25/100 52 36 50/100 59 41 100/100 62 43 100/200 74 51 100/300 77 53 100/500 82 56 250/500 97 67 300/300 82 56 300/500 103 71 400/400 97 67 500/500 105 72 500/1,000 110 76 1,000/1,000 120 83 2,000/2,000 131 90 5,000/5,000 173 119

*Private Passenger autos only

Note:

Add $1 for the first motor vehicle or dealer’s plates for an individual or husband and wife and for each designated person.

THIRTHTEEN REPRINTING 113 EFFECTIVE DECEMBER 31, 2001

COPYRIGHT - ICT SERVVICES, , , INC, - . - . - . -. - 2002

★

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TEXAS AUTOMOBILE RULES AND RATING MANUAL RATE SECTION III TRUCKS, TRACTORS AND TRAILERS

57. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS

B. Primary Classifications

5. a. NON-FLEET PRIMARY CLASSIFICATIONS—RATING FACTORS AND STATISTICAL CODES

Business Radius Class

Size Use Local Intermediate Long Distance

Class Class Up to 50 Miles 51 to 200 Miles Over 200 Miles

Liability COLL. & OTC Liability COLL. OTC Liability COLL. OTC

Light Trucks Service Factor 1.00 1.00 1.10 1.90 1.35 1.47 3.00 1.85

(0 - 10,000 Ibs.) Code 011... 011... 012... 012... 013... 013... G.V.W.) Retail Factor 1.43 1.20 2.08 2.10 1.55 1.89 3.20 2.05 Code 021... 021... 022... 022... 023... 023... Commercial Factor 1.31 1.15 1.35 2.05 1.50 2.07 3.15 2.05 Code 031... 031... 032... 032... 033... 033... ZONE RATED

Medium Trucks Service Factor .93 .90 1.23 1.69 1.21 .95 .95

(10,001 - Code 211... 211... 212... 212... 213... 213...

20,000 Ibs. Retail Factor 1.19 1.07 1.58 1.87 1.38 .95 .95

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