additional policy protection - massagent.com · limited to devices, equipment, services, ... g9....

PMKT 1249 (6/16)

ADDITIONAL POLICY PROTECTION

Under this mandatory endorsement, you will be eligible to receive benefits which may include but are not limited to devices, equipment, services, discounts or reward points. These benefits are provided by us or third-party vendors and enhance the safety, value, usability, life or protection of you and your insurable assets. These benefits are subject to change at any time at our sole discretion. All other policy terms and conditions apply.

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LM General Insurance Company Automobile Rating Manual

Table of Contents

Title of Section or Rule Section

SECTION A – Index Page A

SECTION G – General Rules G

G1. Application of Manual G1

G2. Eligibility G2

G3. Policy Term G3

G4. Rates and Rating Information G4

G5. Changes G5

G6. Cancellation G6

G7. Suspension G7

G8. Instructions for Pro Rata G8

G9. Whole Dollar Premium G9

G10. Premium Payment Plan G10

G11. Coverages and Limits G11

G11A - Personal Injury Protection – Deductible Form G11A

G12. Mandatory Offer of Coverage G12

G13. Motor Vehicle Registration Certificates G13

G14. Pre-Insurance Inspection Program G14

G15. Deferred Operators G15

G16. Additional Policy Protection G16

SECTION C – Classification C

C1. Operator Factor C1

C2. Operator Discount Factor C2

C2A – Public Transit Discount C2A

C2B – Student-away-at-School Discount C2B

C2C – Good Student Discount C2C

C2D – Senior Discount C2D

C2E – Defensive Driving Course Discount C2E

C2F – Driver Training Discount C2F

C2G – New Driver Responsibility Contract Discount C2G

C2H – Advanced Driver Training Discount C2H

C2I – Military Discount C2I

C2J – Driving Years Discount C2J

C3. Certified Risks (Financial Responsibility Laws) C3

C4. Household Average Factor C4

SECTION F – Other Factors F

Massachusetts Version 1.07 Effective Per Section A


Massachusetts Version 1.07 Effective Per Page A

F2. Vehicle Factor F2

F2A – VIN Factor F2A

F2B – Usage Factor F2B

F2C – Vehicle Ownership F2C

F2D – Annual Mileage F2D

F2E – Purchased New or Used F2E

F2F – Coverage Combination F2F

F3. Incident Factor F3

F3A – Chargeable Accidents F3A

F3B – Violation Definitions F3B

F3C – Accident Forgiveness F3C

F4. Tier Factor F4

F5. Territory Factor F5

F6. Vehicle Discount Factor F6

F6A – New-to-Liberty Vehicle Discount F6A

F6B – Vehicle Safety Discount F6B

F6C – Hybrid Vehicle Discount F6C

F6D – RightTrack Discount F6D

F7. Policy Discount Factor F7

F7A – Paid-in-Full Discount F7A

F7B – Electronic Funds Transfer (EFT)/Recurring Credit Card Discount F7B

F7C – Payroll Deduction Discount F7C

F7D – Early Shopper Discount F7D

F7E – Longevity Factor F7E

F7F – Group Savings Plus Discount F7F

F7G – Newly Licensed Discount F7G

F7H – Newly Independent Discount F7H

F7I – New Move Discount F7I

F7J – Multi-Policy Discount F7J

F7K – Paperless Discount F7K

F7L – Enrollment Credit F7L

F8. Limits & Deductible Factors F8

F9. Basic Package Capping Factor F9

F10. Reserved for future use F10

F11. Fixed Expense F11

F12. Reserved for Future Use F12

SECTION TC – Trailer and Camper Coverage and Rating TC

TC1. Liability Insurance TC1

TC2. Physical Damage Coverage TC2

TC3. Camper Bodies TC3



TC4. Trailers TC4

SECTION OC – Additional (Optional) Coverage Rules OC

OC1. Reserved for future use OC1

OC2. Excess Electronic and Customized Equipment Coverage OC2


OC4. Auto Loan/Lease Coverage (Gap Coverage) OC4


OC6. Antique Private Passenger Automobiles OC6



OC9. Better Car Replacement OC9

OC10. Employee Parking Guard OC10

OC11. Liberty Mutual Deductible Fund OC11

SECTION OP – Other Policy Types OP

OP1. Reserved for future use OP1

OP2. Extended Non-Owned Coverage OP2

SECTION PD – Premium Determination Pages PD

This manual contains some copyrighted material of

Insurance Services Office, Inc. (ISO) with its permission.


G16. Additional Policy Protection Additional Policy Protection is a mandatory endorsement that will be attached to all new policies or at first available renewal without charge. Under this endorsement, customers are eligible to receive benefits which may include but are not limited to devices, equipment, services, discounts or reward points. These benefits are subject to change at any time at the Company's sole discretion.



SECTION A - INDEX PAGE

Version 1.00

Effective Date 6/17/2013

1.01 9/23/2013 1.02 4/1/2014 1.03 1/15/2015 1.04 2/25/2015 1.05 5/18/2015

1.06 2/25/2016

1.07 6/20/2016



Table of Contents





G2. Eligibility G2

G3. Policy Term G3


G5. Changes G5

G6. Cancellation G6

G7. Suspension G7



























Massachusetts Version 1.01 1.07 Effective Per Section A


Massachusetts Version 1.05 1.07 Effective Per Page A












F4. Tier Factor F4































TC4. Trailers TC4





















Version 1.00


1.01 9/23/2013 1.02 4/1/2014 1.03 1/15/2015 1.04 2/25/2015 1.05 5/18/2015

1.06 2/25/2016

1.07 6/20/2016



G16. Additional Policy Protection Under this endorsement, you will be eligible to receive benefits which may include but are not limited to devices,equipment, services, discounts or reward points. These benefits are provided by us or third-party vendors and enhance the safety, value, usability, life or protection of you and your insurable assets. These benefits are subject to change at any time in our sole discretion.

This endorsement is mandatory and is attached to all new policies or at first available renewal without charge. All other policy terms and conditions apply.




Version 1.00


1.01 9/23/2013 1.02 4/1/2014 1.03 1/15/2015 1.04 2/25/2015 1.05 5/18/2015

1.06 2/25/2016

1.07 6/20/2016


PMKT 1249 (6/16)


Under this endorsement, you will be eligible to receive benefits which may include but are not limited to devices, equipment, services, discounts or reward points. These benefits are provided by us or third-party vendors and enhance the safety, value, usability, life or protection of you and your insurable assets. These benefits are subject to change at any time in our sole discretion. All other policy terms and conditions apply.

<<COMPANY.FOOTER12>> Page 1 of 1


G16. Additional Policy Protection Under this endorsement, you will be eligible to receive benefits which may include but are not limited to devices,equipment, services, discounts or reward points. These benefits are provided by us or third-party vendors and enhance the safety, value, usability, life or protection of you and your insurable assets. These benefits are subject to change at any time in our sole discretion.

All other policy terms and conditions apply.


PMKT 1192 (4/16)


Under this endorsement, you will receive benefits which may include but are not limited to devices, equipment, services, discounts or reward points. These benefits are provided by us or third-party vendors and enhance the safety, value, usability, life or protection of you and your insurable assets. These benefits are subject to change at any time in our sole discretion. All other policy terms and conditions apply.



G16. Additional Policy Protection Under this endorsement, you will receive benefits which may include but are not limited to devices, equipment, services, discounts or reward points. These benefits are provided by us or third-party vendors and enhance the safety, value, usability, life or protection of you and your insurable assets. These benefits are subject to change at any time in our sole discretion. All other policy terms and conditions apply.





Version

1.00

Effective Date

6/17/2013 1.01 9/23/2013 1.02 4/1/2014 1.03 1/15/2015 1.04 2/25/2015 1.05 5/18/2015

1.06 2/25/2016

1.07 4/18/2016


G16. Additional Policy Protection We or a partner may at our discretion provide rewards comprising, or assistance obtaining: devices, equipment, services, benefits or reward card points that are related to the loyalty rewards program in which the customer is participating, and that serve to directly enhance thesafety, value, usability, life or protection of the customer and their insurable assets. Details for each program in market are listed below. Any time there is a change to the rewardsprograms we will file an updated rule with the Department. 1. ID Theft We, or a partner organization, may reward you by providing you, or another person insured under this policy, with identity theft monitoring services. The rewarded identity theft monitoring services are administered once we receive the promotion code from the customer and the monitoring service is recurring for a fixed period of time. The reward varies by partner. The value does not fluctuate based on the insured’s premium amount. All auto policies sold by Liberty Mutual direct and exclusive agent channels are eligible for the program if they have a valid promotion code from one of our identity theft monitoring partners.


PMKT 1192 (4/16)


If one or more of our programs apply to you, you will be eligible to receive benefits specific to that program. The benefits enhance the safety, value, usability, life or protection of you or your insurable assets. These benefits include but are not limited to devices, equipment, services, benefits or rewards points provided by either us or a business partner.

All other policy terms and conditions apply.



Table of Contents





G2. Eligibility G2

G3. Policy Term G3


G5. Changes G5

G6. Cancellation G6

G7. Suspension G7



























Massachusetts Version 1.01 1.07 Effective Per Section A














F4. Tier Factor F4































TC4. Trailers TC4






















Version

1.00

Effective Date

6/17/2013 1.01 9/23/2013 1.02 4/1/2014 1.03 1/15/2015 1.04 2/25/2015 1.05 5/18/2015

1.06 2/25/2016

1.07 4/18/2016

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