Personal Lines Policies

Personal Auto Policy - ISO 1994

Personal Vehicle Manual - ISO 1994

Homeowners 3 Special Form - ISO 1990

Personal Auto Policy

Agreement

Definitions

Part A - Liability Coverage

Part B - Medical Payments Coverage

Part C - Uninsured Motorists Coverage

Part D - Coverage for Damage to Your Auto

Part E - Duties After an Accident of Loss

Part F - General Provisions

Personal Auto PolicyWithin each Part (A-D)

Insuring AgreementSupplementary Payments (A only)Transportation Expenses (D only)ExclusionsLimits of LiabilityOut of State Coverage (A only)Financial Responsibility (A only)Payment of Loss (D only)No Benefit to Bailee (D only)Other Insurance or Other Sources of RecoveryArbitration (C only)Appraisal (D only)

Personal Auto Policy - ExamplesDefinitions (page 1)

“Trailer” means a vehicle designed to be pulled by a: 1) private passenger auto or 2) pickup or van. It also means a farm wagon or farm implement while towed by a vehicle listed in 1 or 2 above.

Exclusions (pages 2-3 and page 7-8)We do not provide Liability Coverage for any “insured”: 8. using a vehicle without a reasonable belief that that “insured” is entitled to do so.We will not pay for: 3. loss due to or as a consequence of f. rebellion or revolution

Other Insurance (page 4)If there is other applicable liability insurance we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide for a vehicle you do not own shall be excess over any other collectible insurance.

Personal Vehicle ManualDefinitions

Personal Auto Policy - Eligibility

Premium Determination

Classifications

Safe Driver Insurance Plan (SDIP)

Model Year/Age Groups for Comprehensive and Collision Coverages

Minimum Premium Rule

Policy Period

Changes

Cancellation

Personal Vehicle Manual - ExamplesClassifications (page G-2)Primary Classification

Classify the auto according to the age, sex and marital status of the operators, the use of the auto and the eligibility of youthful operators for the Driver Training and/or Good Student classes

Secondary ClassificationPerformance and single or multi-car risk

Safe Driver Insurance Plan (page G-7)Driving Record Points

Convictions3 points for driving while intoxicated1 point for moving violation resulting in license suspension

Accidents1 point for bodily injury or death or property damage over $5001 point multiple accidents with property damage less than $500

Homeowners 3 Special FormAgreementDefinitionsSection I - Property Coverages

Coverage A - DwellingCoverage B - Other StructuresCoverage C - Personal PropertyCoverage D - Loss of UseAdditional Coverages

Section I - Perils Insured AgainstSection I - ExclusionsSection I - Conditions

Homeowners 3 Special Form

Section II - Liability Coverages

Section II - Exclusions

Section II - Additional Coverages

Section II - Conditions

Section I and II - Conditions

Homeowners 3 Special Form - Examples

Property Coverages (page 2)We do not cover other structures: 1. used in whole or part for business

Conditions (page 9)In case of a loss to covered property, you must see that the following are done: a. give prompt notice to us or our agent

Exclusions (page 12-13)Personal liability and medical payments do not apply to bodily injury or property damage: d. arising out of the rendering or failure to render professional services.

Assignment (page 17)Assignment of this policy will not be valid unless we give our written consent