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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.
<<COMPANY.FOOTER12>> Page 1 of 1
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
LM General Insurance Company Automobile Rating Manual
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
LM General Insurance Company Automobile Rating Manual
Massachusetts Version 1.07 Effective Per Page A
TC4. Trailers TC4
SECTION OC – Additional (Optional) Coverage Rules OC
OC1. Reserved for future use OC1
OC2. Excess Electronic and Customized Equipment Coverage OC2
OC3. Reserved for future use OC3
OC4. Auto Loan/Lease Coverage (Gap Coverage) OC4
OC5. Reserved for future use OC5
OC6. Antique Private Passenger Automobiles OC6
OC7. Reserved for future use OC7
OC8. Reserved for future use OC8
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.
LM General Insurance Company Automobile Rating Manual
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.
Massachusetts Version 1.07 Effective Per Section A
LM General Insurance Company Automobile Rating Manual
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
Massachusetts Version 1.07 Effective Per Page A
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 1.01 1.07 Effective Per Section A
LM General Insurance Company Automobile Rating Manual
Massachusetts Version 1.05 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
LM General Insurance Company Automobile Rating Manual
Massachusetts Version 1.05 1.07 Effective Per Page A
TC4. Trailers TC4
SECTION OC – Additional (Optional) Coverage Rules OC
OC1. Reserved for future use OC1
OC2. Excess Electronic and Customized Equipment Coverage OC2
OC3. Reserved for future use OC3
OC4. Auto Loan/Lease Coverage (Gap Coverage) OC4
OC5. Reserved for future use OC5
OC6. Antique Private Passenger Automobiles OC6
OC7. Reserved for future use OC7
OC8. Reserved for future use OC8
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.
LM General Insurance Company Automobile Rating Manual
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
Massachusetts Version 1.06 1.07 Effective Per Page A
LM General Insurance Company Automobile Rating Manual
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.
Massachusetts Version 1.07 Effective Per Section A
LM General Insurance Company Automobile Rating Manual
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
Massachusetts Version 1.05 1.07 Effective Per Page A
PMKT 1249 (6/16)
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.
<<COMPANY.FOOTER12>> Page 1 of 1
LM General Insurance Company Automobile Rating Manual
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.
Massachusetts Version 1.07 Effective Per Section A
PMKT 1192 (4/16)
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.
<<COMPANY.FOOTER12>> Page 1 of 1
LM General Insurance Company Automobile Rating Manual
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.
Massachusetts Version 1.07 Effective Per Section A
LM General Insurance Company Automobile Rating Manual
Massachusetts Version 1.07 Effective Per Page A
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 4/18/2016
LM General Insurance Company Automobile Rating Manual
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.
Massachusetts Version 1.07 Effective Per Section A
PMKT 1192 (4/16)
ADDITIONAL POLICY PROTECTION
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.
<<COMPANY.FOOTER12>> Page 1 of 1
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 1.01 1.07 Effective Per Section A
LM General Insurance Company Automobile Rating Manual
Massachusetts Version 1.05 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
LM General Insurance Company Automobile Rating Manual
Massachusetts Version 1.05 1.07 Effective Per Page A
TC4. Trailers TC4
SECTION OC – Additional (Optional) Coverage Rules OC
OC1. Reserved for future use OC1
OC2. Excess Electronic and Customized Equipment Coverage OC2
OC3. Reserved for future use OC3
OC4. Auto Loan/Lease Coverage (Gap Coverage) OC4
OC5. Reserved for future use OC5
OC6. Antique Private Passenger Automobiles OC6
OC7. Reserved for future use OC7
OC8. Reserved for future use OC8
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.