filing at a glance - pennsylvania2 rate stabilization pages s-1 through s-375 replacement...
TRANSCRIPT
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Filing at a Glance
Companies: LM General Insurance CompanyLM Insurance Corporation
Product Name: Personal Automobile (LM-IC/LMGIC)
State: Pennsylvania
TOI: 19.0 Personal Auto
Sub-TOI: 19.0000 Personal Auto Combinations
Filing Type: Rate/Rule
Date Submitted: 05/22/2017
SERFF Tr Num: LBPM-131050241
SERFF Status: Assigned
State Tr Num:
State Status: Received Review in Progress
Co Tr Num: 17-PA-P-AO-RR-GRS-ASR
Effective DateRequested (New):
07/21/2017
Effective DateRequested (Renewal):
08/25/2017
Author(s): Melanie Bassler
Reviewer(s): Xiaofeng Lu (primary), Michael McKenney
Disposition Date:
Disposition Status:
Effective Date (New):
Effective Date (Renewal):
State Filing Description:
SERFF Tracking #: LBPM-131050241 State Tracking #: Company Tracking #: 17-PA-P-AO-RR-GRS-ASR
State: Pennsylvania First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: Personal Automobile (LM-IC/LMGIC)
Project Name/Number: PA LM-IC/LMGIC AO 2017 ASR/17-PA-P-AO-RR-GRS-ASR
PDF Pipeline for SERFF Tracking Number LBPM-131050241 Generated 05/23/2017 07:39 AM
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General Information
Company and Contact
Project Name: PA LM-IC/LMGIC AO 2017 ASR Status of Filing in Domicile:
Project Number: 17-PA-P-AO-RR-GRS-ASR Domicile Status Comments: N/A
Reference Organization: N/A Reference Number: N/A
Reference Title: N/A Advisory Org. Circular: N/A
Filing Status Changed: 05/23/2017
State Status Changed: 05/23/2017 Deemer Date:
Created By: Melanie Bassler Submitted By: Melanie Bassler
Corresponding Filing Tracking Number: N/A
Filing Description:
In accordance with the “prior approval” provision, LM General Insurance Company (LMGIC) and LM Insurance Corporation(LM-IC) are submitting the following revisions to our Personal Automobile program effective for new business on July 21, 2017and renewal business August 25, 2017.
The changes associated with this revision have a 13.0% rate impact.
In order to achieve the rate noted above, we will be adjusting the following:1.Base Rates2.Rate stabilization factors
In addition we are introducing our Online Purchase Discount. This discount will be applied to new business customers thatquote and complete their purchase on Liberty Mutual’s online channel. Please refer to the enclosed rule and rate page forfurther details.
Should you need any further information regarding this filing please contact me using the information below.
Sincerely,Melanie BasslerMgr, Compliance [email protected](603)354-9641
Filing Contact InformationMelanie Bassler, Mgr, Compliance Analysis,Regulatory Filing
62 Maple Ave.
Keene, NH 03431
603-354-9641 [Phone]
SERFF Tracking #: LBPM-131050241 State Tracking #: Company Tracking #: 17-PA-P-AO-RR-GRS-ASR
State: Pennsylvania First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: Personal Automobile (LM-IC/LMGIC)
Project Name/Number: PA LM-IC/LMGIC AO 2017 ASR/17-PA-P-AO-RR-GRS-ASR
PDF Pipeline for SERFF Tracking Number LBPM-131050241 Generated 05/23/2017 07:39 AM
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Filing Fees
State Specific
Filing Company InformationLM General Insurance Company
175 Berkeley Street
Boston, MA 02116
(617) 357-9500 ext. [Phone]
CoCode: 36447
Group Code: 111
Group Name: Liberty MutualGroup
FEIN Number: 22-2227328
State of Domicile: Illinois
Company Type: Property andCasualty
State ID Number:
LM Insurance Corporation
175 Berkeley Street
Boston, MA 02116
(617) 357-9500 ext. [Phone]
CoCode: 33600
Group Code: 111
Group Name: Liberty MutualGroup
FEIN Number: 04-3058504
State of Domicile: Illinois
Company Type:
State ID Number:
Fee Required? No
Retaliatory? No
Fee Explanation:
*Filing Fee Amount: N/A*Date Filing Fee Mailed: N/A*Filing Fee Check Number: N/*Filing Fee Check Date: N/A*NAIC Number: 0111-33600 & 0111-36447
SERFF Tracking #: LBPM-131050241 State Tracking #: Company Tracking #: 17-PA-P-AO-RR-GRS-ASR
State: Pennsylvania First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: Personal Automobile (LM-IC/LMGIC)
Project Name/Number: PA LM-IC/LMGIC AO 2017 ASR/17-PA-P-AO-RR-GRS-ASR
PDF Pipeline for SERFF Tracking Number LBPM-131050241 Generated 05/23/2017 07:39 AM
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Rate Information Rate data applies to filing.
Filing Method: Prior Approval
Rate Change Type: Increase
Overall Percentage of Last Rate Revision: 13.000%
Effective Date of Last Rate Revision: 07/18/2016
Filing Method of Last Filing: Prior Approval
Company Rate Information
Company
Name:
Overall %
Indicated
Change:
Overall %
Rate
Impact:
Written Premium
Change for
this Program:
Number of Policy
Holders Affected
for this Program:
Written
Premium for
this Program:
Maximum %
Change
(where req'd):
Minimum %
Change
(where req'd):LM General InsuranceCompany
16.400% 13.000% $30,858,033 106,276 $237,369,488 30.000% -4.000%
LM Insurance Corporation 16.400% 13.000% $1,541,909 5,275 $11,860,841 30.000% -4.000%
SERFF Tracking #: LBPM-131050241 State Tracking #: Company Tracking #: 17-PA-P-AO-RR-GRS-ASR
State: Pennsylvania First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: Personal Automobile (LM-IC/LMGIC)
Project Name/Number: PA LM-IC/LMGIC AO 2017 ASR/17-PA-P-AO-RR-GRS-ASR
PDF Pipeline for SERFF Tracking Number LBPM-131050241 Generated 05/23/2017 07:39 AM
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Rate/Rule Schedule
Item
No.
Schedule Item
Status Exhibit Name Rule # or Page # Rate Action
Previous State
Filing Number Attachments1 Coverage Factor Page C-1 Replacement LBPM-130920902 C01 PROOF.pdf2 Rate Stabilization Pages S-1 through S-375 Replacement LBPM-130920902 S02 PROOF.pdf3 Page A Page 3 Replacement LBPM-130920902 PA Index Proof.pdf4 Table of Contents Page 2 Page 2 Replacement LBPM-130920902 OPD TOC Proof.pdf5 Online Purchase Discount Page 63 Rule F7N New F7N Proof.pdf6 Online Purchase Discount
FactorsPage P-1 New PA OPD Factors.pdf
7 Premium Determination -Policy Factor
Page 93 Replacement LBPM-130920902 PD Page Proof.pdf
SERFF Tracking #: LBPM-131050241 State Tracking #: Company Tracking #: 17-PA-P-AO-RR-GRS-ASR
State: Pennsylvania First Filing Company: LM General Insurance Company, ...
TOI/Sub-TOI: 19.0 Personal Auto/19.0000 Personal Auto Combinations
Product Name: Personal Automobile (LM-IC/LMGIC)
Project Name/Number: PA LM-IC/LMGIC AO 2017 ASR/17-PA-P-AO-RR-GRS-ASR
PDF Pipeline for SERFF Tracking Number LBPM-131050241 Generated 05/23/2017 07:39 AM
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PENNSYLVANIAAutomobile Rating Manual
Coverage Factor
BI PD MP UM UIM Comp Coll FixedLM General 326.40 870.17 460.32 56.09 96.43 296.31 1384.88 0.00
LM-IC 362.66 966.86 511.47 62.33 107.14 329.23 1538.76 0.00
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 -0.99 96.0000
GRS LMGIC 999 -0.98 48.0000
GRS LMGIC 999 -0.97 32.0000
GRS LMGIC 999 -0.96 24.0000
GRS LMGIC 999 -0.95 19.2000
GRS LMGIC 999 -0.94 16.0000
GRS LMGIC 999 -0.93 13.7143
GRS LMGIC 999 -0.92 12.0000
GRS LMGIC 999 -0.91 10.6667
GRS LMGIC 999 -0.90 9.6000
GRS LMGIC 999 -0.89 8.7273
GRS LMGIC 999 -0.88 8.0000
GRS LMGIC 999 -0.87 7.3846
GRS LMGIC 999 -0.86 6.8571
GRS LMGIC 999 -0.85 6.4000
GRS LMGIC 999 -0.84 6.0000
GRS LMGIC 999 -0.83 5.6471
GRS LMGIC 999 -0.82 5.3333
GRS LMGIC 999 -0.81 5.0526
GRS LMGIC 999 -0.80 4.8000
GRS LMGIC 999 -0.79 4.5714
GRS LMGIC 999 -0.78 4.3636
GRS LMGIC 999 -0.77 4.1739
GRS LMGIC 999 -0.76 4.0000
GRS LMGIC 999 -0.75 3.8400
GRS LMGIC 999 -0.74 3.6923
GRS LMGIC 999 -0.73 3.5556
GRS LMGIC 999 -0.72 3.4286
GRS LMGIC 999 -0.71 3.3103
GRS LMGIC 999 -0.70 3.2333
GRS LMGIC 999 -0.69 3.1290
GRS LMGIC 999 -0.68 3.0313
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 -0.67 2.9394
GRS LMGIC 999 -0.66 2.8529
GRS LMGIC 999 -0.65 2.7714
GRS LMGIC 999 -0.64 2.6944
GRS LMGIC 999 -0.63 2.6216
GRS LMGIC 999 -0.62 2.5526
GRS LMGIC 999 -0.61 2.4872
GRS LMGIC 999 -0.60 2.4250
GRS LMGIC 999 -0.59 2.3659
GRS LMGIC 999 -0.58 2.3095
GRS LMGIC 999 -0.57 2.2558
GRS LMGIC 999 -0.56 2.2045
GRS LMGIC 999 -0.55 2.1556
GRS LMGIC 999 -0.54 2.1087
GRS LMGIC 999 -0.53 2.0638
GRS LMGIC 999 -0.52 2.0208
GRS LMGIC 999 -0.51 1.9796
GRS LMGIC 999 -0.50 1.9400
GRS LMGIC 999 -0.49 1.9020
GRS LMGIC 999 -0.48 1.8654
GRS LMGIC 999 -0.47 1.8302
GRS LMGIC 999 -0.46 1.7963
GRS LMGIC 999 -0.45 1.7636
GRS LMGIC 999 -0.44 1.7321
GRS LMGIC 999 -0.43 1.7018
GRS LMGIC 999 -0.42 1.6724
GRS LMGIC 999 -0.41 1.6441
GRS LMGIC 999 -0.40 1.6167
GRS LMGIC 999 -0.39 1.5902
GRS LMGIC 999 -0.38 1.5645
GRS LMGIC 999 -0.37 1.5397
GRS LMGIC 999 -0.36 1.5156
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 -0.35 1.4923
GRS LMGIC 999 -0.34 1.4697
GRS LMGIC 999 -0.33 1.4478
GRS LMGIC 999 -0.32 1.4265
GRS LMGIC 999 -0.31 1.4058
GRS LMGIC 999 -0.30 1.3929
GRS LMGIC 999 -0.29 1.3732
GRS LMGIC 999 -0.28 1.3542
GRS LMGIC 999 -0.27 1.3356
GRS LMGIC 999 -0.26 1.3176
GRS LMGIC 999 -0.25 1.3000
GRS LMGIC 999 -0.24 1.2829
GRS LMGIC 999 -0.23 1.2662
GRS LMGIC 999 -0.22 1.2500
GRS LMGIC 999 -0.21 1.2342
GRS LMGIC 999 -0.20 1.2250
GRS LMGIC 999 -0.19 1.2099
GRS LMGIC 999 -0.18 1.1951
GRS LMGIC 999 -0.17 1.1807
GRS LMGIC 999 -0.16 1.1667
GRS LMGIC 999 -0.15 1.1529
GRS LMGIC 999 -0.14 1.1395
GRS LMGIC 999 -0.13 1.1264
GRS LMGIC 999 -0.12 1.1136
GRS LMGIC 999 -0.11 1.1011
GRS LMGIC 999 -0.10 1.1000
GRS LMGIC 999 -0.09 1.0879
GRS LMGIC 999 -0.08 1.0761
GRS LMGIC 999 -0.07 1.0645
GRS LMGIC 999 -0.06 1.0532
GRS LMGIC 999 -0.05 1.0421
GRS LMGIC 999 -0.04 1.0313
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 -0.03 1.0206
GRS LMGIC 999 -0.02 1.0102
GRS LMGIC 999 -0.01 1.0101
GRS LMGIC 999 0.00 1.0000
GRS LMGIC 999 0.01 1.0891
GRS LMGIC 999 0.02 1.0784
GRS LMGIC 999 0.03 1.0680
GRS LMGIC 999 0.04 1.0577
GRS LMGIC 999 0.05 1.0476
GRS LMGIC 999 0.06 1.0377
GRS LMGIC 999 0.07 1.0280
GRS LMGIC 999 0.08 1.0185
GRS LMGIC 999 0.09 1.0092
GRS LMGIC 999 0.10 1.0455
GRS LMGIC 999 0.11 1.0360
GRS LMGIC 999 0.12 1.0268
GRS LMGIC 999 0.13 1.0177
GRS LMGIC 999 0.14 1.0088
GRS LMGIC 999 0.15 1.0435
GRS LMGIC 999 0.16 1.0345
GRS LMGIC 999 0.17 1.0256
GRS LMGIC 999 0.18 1.0169
GRS LMGIC 999 0.19 1.0084
GRS LMGIC 999 0.20 1.0250
GRS LMGIC 999 0.21 1.0165
GRS LMGIC 999 0.22 1.0082
GRS LMGIC 999 0.23 1.0000
GRS LMGIC 999 0.24 0.9919
GRS LMGIC 999 0.25 0.9840
GRS LMGIC 999 0.26 0.9762
GRS LMGIC 999 0.27 0.9685
GRS LMGIC 999 0.28 0.9609
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 0.29 0.9535
GRS LMGIC 999 0.30 0.9615
GRS LMGIC 999 0.31 0.9542
GRS LMGIC 999 0.32 0.9470
GRS LMGIC 999 0.33 0.9398
GRS LMGIC 999 0.34 0.9328
GRS LMGIC 999 0.35 0.9259
GRS LMGIC 999 0.36 0.9191
GRS LMGIC 999 0.37 0.9124
GRS LMGIC 999 0.38 0.9058
GRS LMGIC 999 0.39 0.8993
GRS LMGIC 999 0.40 0.9143
GRS LMGIC 999 0.41 0.9078
GRS LMGIC 999 0.42 0.9014
GRS LMGIC 999 0.43 0.8951
GRS LMGIC 999 0.44 0.8889
GRS LMGIC 999 0.45 0.8828
GRS LMGIC 999 0.46 0.8767
GRS LMGIC 999 0.47 0.8707
GRS LMGIC 999 0.48 0.8649
GRS LMGIC 999 0.49 0.8591
GRS LMGIC 999 0.50 0.8533
GRS LMGIC 999 0.51 0.8477
GRS LMGIC 999 0.52 0.8421
GRS LMGIC 999 0.53 0.8366
GRS LMGIC 999 0.54 0.8312
GRS LMGIC 999 0.55 0.8258
GRS LMGIC 999 0.56 0.8205
GRS LMGIC 999 0.57 0.8153
GRS LMGIC 999 0.58 0.8101
GRS LMGIC 999 0.59 0.8050
GRS LMGIC 999 0.60 0.8000
Version 2.02 Effective Per Page ALM General Insurance Company
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 0.61 0.7950
GRS LMGIC 999 0.62 0.7901
GRS LMGIC 999 0.63 0.7853
GRS LMGIC 999 0.64 0.7805
GRS LMGIC 999 0.65 0.7758
GRS LMGIC 999 0.66 0.7711
GRS LMGIC 999 0.67 0.7665
GRS LMGIC 999 0.68 0.7619
GRS LMGIC 999 0.69 0.7574
GRS LMGIC 999 0.70 0.7647
GRS LMGIC 999 0.71 0.7602
GRS LMGIC 999 0.72 0.7558
GRS LMGIC 999 0.73 0.7514
GRS LMGIC 999 0.74 0.7471
GRS LMGIC 999 0.75 0.7429
GRS LMGIC 999 0.76 0.7386
GRS LMGIC 999 0.77 0.7345
GRS LMGIC 999 0.78 0.7303
GRS LMGIC 999 0.79 0.7263
GRS LMGIC 999 0.80 0.7222
GRS LMGIC 999 0.81 0.7182
GRS LMGIC 999 0.82 0.7143
GRS LMGIC 999 0.83 0.7104
GRS LMGIC 999 0.84 0.7065
GRS LMGIC 999 0.85 0.7027
GRS LMGIC 999 0.86 0.6989
GRS LMGIC 999 0.87 0.6952
GRS LMGIC 999 0.88 0.6915
GRS LMGIC 999 0.89 0.6878
GRS LMGIC 999 0.90 0.6842
GRS LMGIC 999 0.91 0.6806
GRS LMGIC 999 0.92 0.6771
Version 2.02 Effective Per Page ALM General Insurance Company
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 0.93 0.6736
GRS LMGIC 999 0.94 0.6701
GRS LMGIC 999 0.95 0.6667
GRS LMGIC 999 0.96 0.6633
GRS LMGIC 999 0.97 0.6599
GRS LMGIC 999 0.98 0.6566
GRS LMGIC 999 0.99 0.6533
GRS LMGIC 999 1.00 0.6500
GRS LMGIC 999 1.01 0.6468
GRS LMGIC 999 1.02 0.6436
GRS LMGIC 999 1.03 0.6404
GRS LMGIC 999 1.04 0.6373
GRS LMGIC 999 1.05 0.6341
GRS LMGIC 999 1.06 0.6311
GRS LMGIC 999 1.07 0.6280
GRS LMGIC 999 1.08 0.6250
GRS LMGIC 999 1.09 0.6220
GRS LMGIC 999 1.10 0.6190
GRS LMGIC 999 1.11 0.6161
GRS LMGIC 999 1.12 0.6132
GRS LMGIC 999 1.13 0.6103
GRS LMGIC 999 1.14 0.6075
GRS LMGIC 999 1.15 0.6047
GRS LMGIC 999 1.16 0.6019
GRS LMGIC 999 1.17 0.5991
GRS LMGIC 999 1.18 0.5963
GRS LMGIC 999 1.19 0.5936
GRS LMGIC 999 1.20 0.5909
GRS LMGIC 999 1.21 0.5882
GRS LMGIC 999 1.22 0.5856
GRS LMGIC 999 1.23 0.5830
GRS LMGIC 999 1.24 0.5804
Version 2.02 Effective Per Page ALM General Insurance Company
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 1.25 0.5778
GRS LMGIC 999 1.26 0.5752
GRS LMGIC 999 1.27 0.5727
GRS LMGIC 999 1.28 0.5702
GRS LMGIC 999 1.29 0.5677
GRS LMGIC 999 1.30 0.5652
GRS LMGIC 999 1.31 0.5628
GRS LMGIC 999 1.32 0.5603
GRS LMGIC 999 1.33 0.5579
GRS LMGIC 999 1.34 0.5556
GRS LMGIC 999 1.35 0.5532
GRS LMGIC 999 1.36 0.5508
GRS LMGIC 999 1.37 0.5485
GRS LMGIC 999 1.38 0.5462
GRS LMGIC 999 1.39 0.5439
GRS LMGIC 999 1.40 0.5417
GRS LMGIC 999 1.41 0.5394
GRS LMGIC 999 1.42 0.5372
GRS LMGIC 999 1.43 0.5350
GRS LMGIC 999 1.44 0.5328
GRS LMGIC 999 1.45 0.5306
GRS LMGIC 999 1.46 0.5285
GRS LMGIC 999 1.47 0.5263
GRS LMGIC 999 1.48 0.5242
GRS LMGIC 999 1.49 0.5221
GRS LMGIC 999 1.50 0.5200
GRS LMGIC 999 1.51 0.5179
GRS LMGIC 999 1.52 0.5159
GRS LMGIC 999 1.53 0.5138
GRS LMGIC 999 1.54 0.5118
GRS LMGIC 999 1.55 0.5098
GRS LMGIC 999 1.56 0.5078
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 1.57 0.5058
GRS LMGIC 999 1.58 0.5039
GRS LMGIC 999 1.59 0.5019
GRS LMGIC 999 1.60 0.5000
GRS LMGIC 999 1.61 0.4981
GRS LMGIC 999 1.62 0.4962
GRS LMGIC 999 1.63 0.4943
GRS LMGIC 999 1.64 0.4924
GRS LMGIC 999 1.65 0.4906
GRS LMGIC 999 1.66 0.4887
GRS LMGIC 999 1.67 0.4869
GRS LMGIC 999 1.68 0.4851
GRS LMGIC 999 1.69 0.4833
GRS LMGIC 999 1.70 0.4815
GRS LMGIC 999 1.71 0.4797
GRS LMGIC 999 1.72 0.4779
GRS LMGIC 999 1.73 0.4762
GRS LMGIC 999 1.74 0.4745
GRS LMGIC 999 1.75 0.4727
GRS LMGIC 999 1.76 0.4710
GRS LMGIC 999 1.77 0.4693
GRS LMGIC 999 1.78 0.4676
GRS LMGIC 999 1.79 0.4659
GRS LMGIC 999 1.80 0.4643
GRS LMGIC 999 1.81 0.4626
GRS LMGIC 999 1.82 0.4610
GRS LMGIC 999 1.83 0.4594
GRS LMGIC 999 1.84 0.4577
GRS LMGIC 999 1.85 0.4561
GRS LMGIC 999 1.86 0.4545
GRS LMGIC 999 1.87 0.4530
GRS LMGIC 999 1.88 0.4514
Version 2.02 Effective Per Page ALM General Insurance Company
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 1.89 0.4498
GRS LMGIC 999 1.90 0.4483
GRS LMGIC 999 1.91 0.4467
GRS LMGIC 999 1.92 0.4452
GRS LMGIC 999 1.93 0.4437
GRS LMGIC 999 1.94 0.4422
GRS LMGIC 999 1.95 0.4407
GRS LMGIC 999 1.96 0.4392
GRS LMGIC 999 1.97 0.4377
GRS LMGIC 999 1.98 0.4362
GRS LMGIC 999 1.99 0.4348
GRS LMGIC 999 2.00 0.4333
GRS LMGIC 999 2.01 0.4319
GRS LMGIC 999 2.02 0.4305
GRS LMGIC 999 2.03 0.4290
GRS LMGIC 999 2.04 0.4276
GRS LMGIC 999 2.05 0.4262
GRS LMGIC 999 2.06 0.4248
GRS LMGIC 999 2.07 0.4235
GRS LMGIC 999 2.08 0.4221
GRS LMGIC 999 2.09 0.4207
GRS LMGIC 999 2.10 0.4194
GRS LMGIC 999 2.11 0.4180
GRS LMGIC 999 2.12 0.4167
GRS LMGIC 999 2.13 0.4153
GRS LMGIC 999 2.14 0.4140
GRS LMGIC 999 2.15 0.4127
GRS LMGIC 999 2.16 0.4114
GRS LMGIC 999 2.17 0.4101
GRS LMGIC 999 2.18 0.4088
GRS LMGIC 999 2.19 0.4075
GRS LMGIC 999 2.20 0.4063
Version 2.02 Effective Per Page ALM General Insurance Company
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 2.21 0.4050
GRS LMGIC 999 2.22 0.4037
GRS LMGIC 999 2.23 0.4025
GRS LMGIC 999 2.24 0.4012
GRS LMGIC 999 2.25 0.4000
GRS LMGIC 999 2.26 0.3988
GRS LMGIC 999 2.27 0.3976
GRS LMGIC 999 2.28 0.3963
GRS LMGIC 999 2.29 0.3951
GRS LMGIC 999 2.30 0.3939
GRS LMGIC 999 2.31 0.3927
GRS LMGIC 999 2.32 0.3916
GRS LMGIC 999 2.33 0.3904
GRS LMGIC 999 2.34 0.3892
GRS LMGIC 999 2.35 0.3881
GRS LMGIC 999 2.36 0.3869
GRS LMGIC 999 2.37 0.3858
GRS LMGIC 999 2.38 0.3846
GRS LMGIC 999 2.39 0.3835
GRS LMGIC 999 2.40 0.3824
GRS LMGIC 999 2.41 0.3812
GRS LMGIC 999 2.42 0.3801
GRS LMGIC 999 2.43 0.3790
GRS LMGIC 999 2.44 0.3779
GRS LMGIC 999 2.45 0.3768
GRS LMGIC 999 2.46 0.3757
GRS LMGIC 999 2.47 0.3746
GRS LMGIC 999 2.48 0.3736
GRS LMGIC 999 2.49 0.3725
GRS LMGIC 999 2.50 0.3714
GRS LMGIC 999 2.51 0.3704
GRS LMGIC 999 2.52 0.3693
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 2.53 0.3683
GRS LMGIC 999 2.54 0.3672
GRS LMGIC 999 2.55 0.3662
GRS LMGIC 999 2.56 0.3652
GRS LMGIC 999 2.57 0.3641
GRS LMGIC 999 2.58 0.3631
GRS LMGIC 999 2.59 0.3621
GRS LMGIC 999 2.60 0.3611
GRS LMGIC 999 2.61 0.3601
GRS LMGIC 999 2.62 0.3591
GRS LMGIC 999 2.63 0.3581
GRS LMGIC 999 2.64 0.3571
GRS LMGIC 999 2.65 0.3562
GRS LMGIC 999 2.66 0.3552
GRS LMGIC 999 2.67 0.3542
GRS LMGIC 999 2.68 0.3533
GRS LMGIC 999 2.69 0.3523
GRS LMGIC 999 2.70 0.3514
GRS LMGIC 999 2.71 0.3504
GRS LMGIC 999 2.72 0.3495
GRS LMGIC 999 2.73 0.3485
GRS LMGIC 999 2.74 0.3476
GRS LMGIC 999 2.75 0.3467
GRS LMGIC 999 2.76 0.3457
GRS LMGIC 999 2.77 0.3448
GRS LMGIC 999 2.78 0.3439
GRS LMGIC 999 2.79 0.3430
GRS LMGIC 999 2.80 0.3421
GRS LMGIC 999 2.81 0.3412
GRS LMGIC 999 2.82 0.3403
GRS LMGIC 999 2.83 0.3394
GRS LMGIC 999 2.84 0.3385
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 2.85 0.3377
GRS LMGIC 999 2.86 0.3368
GRS LMGIC 999 2.87 0.3359
GRS LMGIC 999 2.88 0.3351
GRS LMGIC 999 2.89 0.3342
GRS LMGIC 999 2.90 0.3333
GRS LMGIC 999 2.91 0.3325
GRS LMGIC 999 2.92 0.3316
GRS LMGIC 999 2.93 0.3308
GRS LMGIC 999 2.94 0.3299
GRS LMGIC 999 2.95 0.3291
GRS LMGIC 999 2.96 0.3283
GRS LMGIC 999 2.97 0.3275
GRS LMGIC 999 2.98 0.3266
GRS LMGIC 999 2.99 0.3258
GRS LMGIC 999 3.00 0.3250
GRS LMGIC 999 3.01 0.3242
GRS LMGIC 999 3.02 0.3234
GRS LMGIC 999 3.03 0.3226
GRS LMGIC 999 3.04 0.3218
GRS LMGIC 999 3.05 0.3210
GRS LMGIC 999 3.06 0.3202
GRS LMGIC 999 3.07 0.3194
GRS LMGIC 999 3.08 0.3186
GRS LMGIC 999 3.09 0.3178
GRS LMGIC 999 3.10 0.3171
GRS LMGIC 999 3.11 0.3163
GRS LMGIC 999 3.12 0.3155
GRS LMGIC 999 3.13 0.3148
GRS LMGIC 999 3.14 0.3140
GRS LMGIC 999 3.15 0.3133
GRS LMGIC 999 3.16 0.3125
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 3.17 0.3118
GRS LMGIC 999 3.18 0.3110
GRS LMGIC 999 3.19 0.3103
GRS LMGIC 999 3.20 0.3095
GRS LMGIC 999 3.21 0.3088
GRS LMGIC 999 3.22 0.3081
GRS LMGIC 999 3.23 0.3073
GRS LMGIC 999 3.24 0.3066
GRS LMGIC 999 3.25 0.3059
GRS LMGIC 999 3.26 0.3052
GRS LMGIC 999 3.27 0.3044
GRS LMGIC 999 3.28 0.3037
GRS LMGIC 999 3.29 0.3030
GRS LMGIC 999 3.30 0.3023
GRS LMGIC 999 3.31 0.3016
GRS LMGIC 999 3.32 0.3009
GRS LMGIC 999 3.33 0.3002
GRS LMGIC 999 3.34 0.2995
GRS LMGIC 999 3.35 0.2989
GRS LMGIC 999 3.36 0.2982
GRS LMGIC 999 3.37 0.2975
GRS LMGIC 999 3.38 0.2968
GRS LMGIC 999 3.39 0.2961
GRS LMGIC 999 3.40 0.2955
GRS LMGIC 999 3.41 0.2948
GRS LMGIC 999 3.42 0.2941
GRS LMGIC 999 3.43 0.2935
GRS LMGIC 999 3.44 0.2928
GRS LMGIC 999 3.45 0.2921
GRS LMGIC 999 3.46 0.2915
GRS LMGIC 999 3.47 0.2908
GRS LMGIC 999 3.48 0.2902
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 3.49 0.2895
GRS LMGIC 999 3.50 0.2889
GRS LMGIC 999 3.51 0.2882
GRS LMGIC 999 3.52 0.2876
GRS LMGIC 999 3.53 0.2870
GRS LMGIC 999 3.54 0.2863
GRS LMGIC 999 3.55 0.2857
GRS LMGIC 999 3.56 0.2851
GRS LMGIC 999 3.57 0.2845
GRS LMGIC 999 3.58 0.2838
GRS LMGIC 999 3.59 0.2832
GRS LMGIC 999 3.60 0.2826
GRS LMGIC 999 3.61 0.2820
GRS LMGIC 999 3.62 0.2814
GRS LMGIC 999 3.63 0.2808
GRS LMGIC 999 3.64 0.2802
GRS LMGIC 999 3.65 0.2796
GRS LMGIC 999 3.66 0.2790
GRS LMGIC 999 3.67 0.2784
GRS LMGIC 999 3.68 0.2778
GRS LMGIC 999 3.69 0.2772
GRS LMGIC 999 3.70 0.2766
GRS LMGIC 999 3.71 0.2760
GRS LMGIC 999 3.72 0.2754
GRS LMGIC 999 3.73 0.2748
GRS LMGIC 999 3.74 0.2743
GRS LMGIC 999 3.75 0.2737
GRS LMGIC 999 3.76 0.2731
GRS LMGIC 999 3.77 0.2725
GRS LMGIC 999 3.78 0.2720
GRS LMGIC 999 3.79 0.2714
GRS LMGIC 999 3.80 0.2708
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 3.81 0.2703
GRS LMGIC 999 3.82 0.2697
GRS LMGIC 999 3.83 0.2692
GRS LMGIC 999 3.84 0.2686
GRS LMGIC 999 3.85 0.2680
GRS LMGIC 999 3.86 0.2675
GRS LMGIC 999 3.87 0.2669
GRS LMGIC 999 3.88 0.2664
GRS LMGIC 999 3.89 0.2658
GRS LMGIC 999 3.90 0.2653
GRS LMGIC 999 3.91 0.2648
GRS LMGIC 999 3.92 0.2642
GRS LMGIC 999 3.93 0.2637
GRS LMGIC 999 3.94 0.2632
GRS LMGIC 999 3.95 0.2626
GRS LMGIC 999 3.96 0.2621
GRS LMGIC 999 3.97 0.2616
GRS LMGIC 999 3.98 0.2610
GRS LMGIC 999 3.99 0.2605
GRS LMGIC 999 4.00 0.2600
GRS LMGIC 999 4.01 0.2595
GRS LMGIC 999 4.02 0.2590
GRS LMGIC 999 4.03 0.2584
GRS LMGIC 999 4.04 0.2579
GRS LMGIC 999 4.05 0.2574
GRS LMGIC 999 4.06 0.2569
GRS LMGIC 999 4.07 0.2564
GRS LMGIC 999 4.08 0.2559
GRS LMGIC 999 4.09 0.2554
GRS LMGIC 999 4.10 0.2549
GRS LMGIC 999 4.11 0.2544
GRS LMGIC 999 4.12 0.2539
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-16
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 4.13 0.2534
GRS LMGIC 999 4.14 0.2529
GRS LMGIC 999 4.15 0.2524
GRS LMGIC 999 4.16 0.2519
GRS LMGIC 999 4.17 0.2515
GRS LMGIC 999 4.18 0.2510
GRS LMGIC 999 4.19 0.2505
GRS LMGIC 999 4.20 0.2500
GRS LMGIC 999 4.21 0.2495
GRS LMGIC 999 4.22 0.2490
GRS LMGIC 999 4.23 0.2486
GRS LMGIC 999 4.24 0.2481
GRS LMGIC 999 4.25 0.2476
GRS LMGIC 999 4.26 0.2471
GRS LMGIC 999 4.27 0.2467
GRS LMGIC 999 4.28 0.2462
GRS LMGIC 999 4.29 0.2457
GRS LMGIC 999 4.30 0.2453
GRS LMGIC 999 4.31 0.2448
GRS LMGIC 999 4.32 0.2444
GRS LMGIC 999 4.33 0.2439
GRS LMGIC 999 4.34 0.2434
GRS LMGIC 999 4.35 0.2430
GRS LMGIC 999 4.36 0.2425
GRS LMGIC 999 4.37 0.2421
GRS LMGIC 999 4.38 0.2416
GRS LMGIC 999 4.39 0.2412
GRS LMGIC 999 4.40 0.2407
GRS LMGIC 999 4.41 0.2403
GRS LMGIC 999 4.42 0.2399
GRS LMGIC 999 4.43 0.2394
GRS LMGIC 999 4.44 0.2390
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 4.45 0.2385
GRS LMGIC 999 4.46 0.2381
GRS LMGIC 999 4.47 0.2377
GRS LMGIC 999 4.48 0.2372
GRS LMGIC 999 4.49 0.2368
GRS LMGIC 999 4.50 0.2364
GRS LMGIC 999 4.51 0.2359
GRS LMGIC 999 4.52 0.2355
GRS LMGIC 999 4.53 0.2351
GRS LMGIC 999 4.54 0.2347
GRS LMGIC 999 4.55 0.2342
GRS LMGIC 999 4.56 0.2338
GRS LMGIC 999 4.57 0.2334
GRS LMGIC 999 4.58 0.2330
GRS LMGIC 999 4.59 0.2326
GRS LMGIC 999 4.60 0.2321
GRS LMGIC 999 4.61 0.2317
GRS LMGIC 999 4.62 0.2313
GRS LMGIC 999 4.63 0.2309
GRS LMGIC 999 4.64 0.2305
GRS LMGIC 999 4.65 0.2301
GRS LMGIC 999 4.66 0.2297
GRS LMGIC 999 4.67 0.2293
GRS LMGIC 999 4.68 0.2289
GRS LMGIC 999 4.69 0.2285
GRS LMGIC 999 4.70 0.2281
GRS LMGIC 999 4.71 0.2277
GRS LMGIC 999 4.72 0.2273
GRS LMGIC 999 4.73 0.2269
GRS LMGIC 999 4.74 0.2265
GRS LMGIC 999 4.75 0.2261
GRS LMGIC 999 4.76 0.2257
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 4.77 0.2253
GRS LMGIC 999 4.78 0.2249
GRS LMGIC 999 4.79 0.2245
GRS LMGIC 999 4.80 0.2241
GRS LMGIC 999 4.81 0.2238
GRS LMGIC 999 4.82 0.2234
GRS LMGIC 999 4.83 0.2230
GRS LMGIC 999 4.84 0.2226
GRS LMGIC 999 4.85 0.2222
GRS LMGIC 999 4.86 0.2218
GRS LMGIC 999 4.87 0.2215
GRS LMGIC 999 4.88 0.2211
GRS LMGIC 999 4.89 0.2207
GRS LMGIC 999 4.90 0.2203
GRS LMGIC 999 4.91 0.2200
GRS LMGIC 999 4.92 0.2196
GRS LMGIC 999 4.93 0.2192
GRS LMGIC 999 4.94 0.2189
GRS LMGIC 999 4.95 0.2185
GRS LMGIC 999 4.96 0.2181
GRS LMGIC 999 4.97 0.2178
GRS LMGIC 999 4.98 0.2174
GRS LMGIC 999 4.99 0.2170
GRS LMGIC 999 5.00 0.2167
GRS LMGIC 999 5.01 0.2163
GRS LMGIC 999 5.02 0.2159
GRS LMGIC 999 5.03 0.2156
GRS LMGIC 999 5.04 0.2152
GRS LMGIC 999 5.05 0.2149
GRS LMGIC 999 5.06 0.2145
GRS LMGIC 999 5.07 0.2142
GRS LMGIC 999 5.08 0.2138
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 5.09 0.2135
GRS LMGIC 999 5.10 0.2131
GRS LMGIC 999 5.11 0.2128
GRS LMGIC 999 5.12 0.2124
GRS LMGIC 999 5.13 0.2121
GRS LMGIC 999 5.14 0.2117
GRS LMGIC 999 5.15 0.2114
GRS LMGIC 999 5.16 0.2110
GRS LMGIC 999 5.17 0.2107
GRS LMGIC 999 5.18 0.2104
GRS LMGIC 999 5.19 0.2100
GRS LMGIC 999 5.20 0.2097
GRS LMGIC 999 5.21 0.2093
GRS LMGIC 999 5.22 0.2090
GRS LMGIC 999 5.23 0.2087
GRS LMGIC 999 5.24 0.2083
GRS LMGIC 999 5.25 0.2080
GRS LMGIC 999 5.26 0.2077
GRS LMGIC 999 5.27 0.2073
GRS LMGIC 999 5.28 0.2070
GRS LMGIC 999 5.29 0.2067
GRS LMGIC 999 5.30 0.2063
GRS LMGIC 999 5.31 0.2060
GRS LMGIC 999 5.32 0.2057
GRS LMGIC 999 5.33 0.2054
GRS LMGIC 999 5.34 0.2050
GRS LMGIC 999 5.35 0.2047
GRS LMGIC 999 5.36 0.2044
GRS LMGIC 999 5.37 0.2041
GRS LMGIC 999 5.38 0.2038
GRS LMGIC 999 5.39 0.2034
GRS LMGIC 999 5.40 0.2031
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 5.41 0.2028
GRS LMGIC 999 5.42 0.2025
GRS LMGIC 999 5.43 0.2022
GRS LMGIC 999 5.44 0.2019
GRS LMGIC 999 5.45 0.2016
GRS LMGIC 999 5.46 0.2012
GRS LMGIC 999 5.47 0.2009
GRS LMGIC 999 5.48 0.2006
GRS LMGIC 999 5.49 0.2003
GRS LMGIC 999 5.50 0.2000
GRS LMGIC 999 5.51 0.1997
GRS LMGIC 999 5.52 0.1994
GRS LMGIC 999 5.53 0.1991
GRS LMGIC 999 5.54 0.1988
GRS LMGIC 999 5.55 0.1985
GRS LMGIC 999 5.56 0.1982
GRS LMGIC 999 5.57 0.1979
GRS LMGIC 999 5.58 0.1976
GRS LMGIC 999 5.59 0.1973
GRS LMGIC 999 5.60 0.1970
GRS LMGIC 999 5.61 0.1967
GRS LMGIC 999 5.62 0.1964
GRS LMGIC 999 5.63 0.1961
GRS LMGIC 999 5.64 0.1958
GRS LMGIC 999 5.65 0.1955
GRS LMGIC 999 5.66 0.1952
GRS LMGIC 999 5.67 0.1949
GRS LMGIC 999 5.68 0.1946
GRS LMGIC 999 5.69 0.1943
GRS LMGIC 999 5.70 0.1940
GRS LMGIC 999 5.71 0.1937
GRS LMGIC 999 5.72 0.1935
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 5.73 0.1932
GRS LMGIC 999 5.74 0.1929
GRS LMGIC 999 5.75 0.1926
GRS LMGIC 999 5.76 0.1923
GRS LMGIC 999 5.77 0.1920
GRS LMGIC 999 5.78 0.1917
GRS LMGIC 999 5.79 0.1915
GRS LMGIC 999 5.80 0.1912
GRS LMGIC 999 5.81 0.1909
GRS LMGIC 999 5.82 0.1906
GRS LMGIC 999 5.83 0.1903
GRS LMGIC 999 5.84 0.1901
GRS LMGIC 999 5.85 0.1898
GRS LMGIC 999 5.86 0.1895
GRS LMGIC 999 5.87 0.1892
GRS LMGIC 999 5.88 0.1890
GRS LMGIC 999 5.89 0.1887
GRS LMGIC 999 5.90 0.1884
GRS LMGIC 999 5.91 0.1881
GRS LMGIC 999 5.92 0.1879
GRS LMGIC 999 5.93 0.1876
GRS LMGIC 999 5.94 0.1873
GRS LMGIC 999 5.95 0.1871
GRS LMGIC 999 5.96 0.1868
GRS LMGIC 999 5.97 0.1865
GRS LMGIC 999 5.98 0.1862
GRS LMGIC 999 5.99 0.1860
GRS LMGIC 999 6.00 0.1857
GRS LMGIC 999 6.01 0.1854
GRS LMGIC 999 6.02 0.1852
GRS LMGIC 999 6.03 0.1849
GRS LMGIC 999 6.04 0.1847
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-22
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 6.05 0.1844
GRS LMGIC 999 6.06 0.1841
GRS LMGIC 999 6.07 0.1839
GRS LMGIC 999 6.08 0.1836
GRS LMGIC 999 6.09 0.1834
GRS LMGIC 999 6.10 0.1831
GRS LMGIC 999 6.11 0.1828
GRS LMGIC 999 6.12 0.1826
GRS LMGIC 999 6.13 0.1823
GRS LMGIC 999 6.14 0.1821
GRS LMGIC 999 6.15 0.1818
GRS LMGIC 999 6.16 0.1816
GRS LMGIC 999 6.17 0.1813
GRS LMGIC 999 6.18 0.1811
GRS LMGIC 999 6.19 0.1808
GRS LMGIC 999 6.20 0.1806
GRS LMGIC 999 6.21 0.1803
GRS LMGIC 999 6.22 0.1801
GRS LMGIC 999 6.23 0.1798
GRS LMGIC 999 6.24 0.1796
GRS LMGIC 999 6.25 0.1793
GRS LMGIC 999 6.26 0.1791
GRS LMGIC 999 6.27 0.1788
GRS LMGIC 999 6.28 0.1786
GRS LMGIC 999 6.29 0.1783
GRS LMGIC 999 6.30 0.1781
GRS LMGIC 999 6.31 0.1778
GRS LMGIC 999 6.32 0.1776
GRS LMGIC 999 6.33 0.1774
GRS LMGIC 999 6.34 0.1771
GRS LMGIC 999 6.35 0.1769
GRS LMGIC 999 6.36 0.1766
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-23
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 6.37 0.1764
GRS LMGIC 999 6.38 0.1762
GRS LMGIC 999 6.39 0.1759
GRS LMGIC 999 6.40 0.1757
GRS LMGIC 999 6.41 0.1754
GRS LMGIC 999 6.42 0.1752
GRS LMGIC 999 6.43 0.1750
GRS LMGIC 999 6.44 0.1747
GRS LMGIC 999 6.45 0.1745
GRS LMGIC 999 6.46 0.1743
GRS LMGIC 999 6.47 0.1740
GRS LMGIC 999 6.48 0.1738
GRS LMGIC 999 6.49 0.1736
GRS LMGIC 999 6.50 0.1733
GRS LMGIC 999 6.51 0.1731
GRS LMGIC 999 6.52 0.1729
GRS LMGIC 999 6.53 0.1726
GRS LMGIC 999 6.54 0.1724
GRS LMGIC 999 6.55 0.1722
GRS LMGIC 999 6.56 0.1720
GRS LMGIC 999 6.57 0.1717
GRS LMGIC 999 6.58 0.1715
GRS LMGIC 999 6.59 0.1713
GRS LMGIC 999 6.60 0.1711
GRS LMGIC 999 6.61 0.1708
GRS LMGIC 999 6.62 0.1706
GRS LMGIC 999 6.63 0.1704
GRS LMGIC 999 6.64 0.1702
GRS LMGIC 999 6.65 0.1699
GRS LMGIC 999 6.66 0.1697
GRS LMGIC 999 6.67 0.1695
GRS LMGIC 999 6.68 0.1693
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-24
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 6.69 0.1691
GRS LMGIC 999 6.70 0.1688
GRS LMGIC 999 6.71 0.1686
GRS LMGIC 999 6.72 0.1684
GRS LMGIC 999 6.73 0.1682
GRS LMGIC 999 6.74 0.1680
GRS LMGIC 999 6.75 0.1677
GRS LMGIC 999 6.76 0.1675
GRS LMGIC 999 6.77 0.1673
GRS LMGIC 999 6.78 0.1671
GRS LMGIC 999 6.79 0.1669
GRS LMGIC 999 6.80 0.1667
GRS LMGIC 999 6.81 0.1665
GRS LMGIC 999 6.82 0.1662
GRS LMGIC 999 6.83 0.1660
GRS LMGIC 999 6.84 0.1658
GRS LMGIC 999 6.85 0.1656
GRS LMGIC 999 6.86 0.1654
GRS LMGIC 999 6.87 0.1652
GRS LMGIC 999 6.88 0.1650
GRS LMGIC 999 6.89 0.1648
GRS LMGIC 999 6.90 0.1646
GRS LMGIC 999 6.91 0.1643
GRS LMGIC 999 6.92 0.1641
GRS LMGIC 999 6.93 0.1639
GRS LMGIC 999 6.94 0.1637
GRS LMGIC 999 6.95 0.1635
GRS LMGIC 999 6.96 0.1633
GRS LMGIC 999 6.97 0.1631
GRS LMGIC 999 6.98 0.1629
GRS LMGIC 999 6.99 0.1627
GRS LMGIC 999 7.00 0.1625
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-25
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 7.01 0.1623
GRS LMGIC 999 7.02 0.1621
GRS LMGIC 999 7.03 0.1619
GRS LMGIC 999 7.04 0.1617
GRS LMGIC 999 7.05 0.1615
GRS LMGIC 999 7.06 0.1613
GRS LMGIC 999 7.07 0.1611
GRS LMGIC 999 7.08 0.1609
GRS LMGIC 999 7.09 0.1607
GRS LMGIC 999 7.10 0.1605
GRS LMGIC 999 7.11 0.1603
GRS LMGIC 999 7.12 0.1601
GRS LMGIC 999 7.13 0.1599
GRS LMGIC 999 7.14 0.1597
GRS LMGIC 999 7.15 0.1595
GRS LMGIC 999 7.16 0.1593
GRS LMGIC 999 7.17 0.1591
GRS LMGIC 999 7.18 0.1589
GRS LMGIC 999 7.19 0.1587
GRS LMGIC 999 7.20 0.1585
GRS LMGIC 999 7.21 0.1583
GRS LMGIC 999 7.22 0.1582
GRS LMGIC 999 7.23 0.1580
GRS LMGIC 999 7.24 0.1578
GRS LMGIC 999 7.25 0.1576
GRS LMGIC 999 7.26 0.1574
GRS LMGIC 999 7.27 0.1572
GRS LMGIC 999 7.28 0.1570
GRS LMGIC 999 7.29 0.1568
GRS LMGIC 999 7.30 0.1566
GRS LMGIC 999 7.31 0.1564
GRS LMGIC 999 7.32 0.1563
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-26
-
PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 7.33 0.1561
GRS LMGIC 999 7.34 0.1559
GRS LMGIC 999 7.35 0.1557
GRS LMGIC 999 7.36 0.1555
GRS LMGIC 999 7.37 0.1553
GRS LMGIC 999 7.38 0.1551
GRS LMGIC 999 7.39 0.1549
GRS LMGIC 999 7.40 0.1548
GRS LMGIC 999 7.41 0.1546
GRS LMGIC 999 7.42 0.1544
GRS LMGIC 999 7.43 0.1542
GRS LMGIC 999 7.44 0.1540
GRS LMGIC 999 7.45 0.1538
GRS LMGIC 999 7.46 0.1537
GRS LMGIC 999 7.47 0.1535
GRS LMGIC 999 7.48 0.1533
GRS LMGIC 999 7.49 0.1531
GRS LMGIC 999 7.50 0.1529
GRS LMGIC 999 7.51 0.1528
GRS LMGIC 999 7.52 0.1526
GRS LMGIC 999 7.53 0.1524
GRS LMGIC 999 7.54 0.1522
GRS LMGIC 999 7.55 0.1520
GRS LMGIC 999 7.56 0.1519
GRS LMGIC 999 7.57 0.1517
GRS LMGIC 999 7.58 0.1515
GRS LMGIC 999 7.59 0.1513
GRS LMGIC 999 7.60 0.1512
GRS LMGIC 999 7.61 0.1510
GRS LMGIC 999 7.62 0.1508
GRS LMGIC 999 7.63 0.1506
GRS LMGIC 999 7.64 0.1505
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-27
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 7.65 0.1503
GRS LMGIC 999 7.66 0.1501
GRS LMGIC 999 7.67 0.1499
GRS LMGIC 999 7.68 0.1498
GRS LMGIC 999 7.69 0.1496
GRS LMGIC 999 7.70 0.1494
GRS LMGIC 999 7.71 0.1493
GRS LMGIC 999 7.72 0.1491
GRS LMGIC 999 7.73 0.1489
GRS LMGIC 999 7.74 0.1487
GRS LMGIC 999 7.75 0.1486
GRS LMGIC 999 7.76 0.1484
GRS LMGIC 999 7.77 0.1482
GRS LMGIC 999 7.78 0.1481
GRS LMGIC 999 7.79 0.1479
GRS LMGIC 999 7.80 0.1477
GRS LMGIC 999 7.81 0.1476
GRS LMGIC 999 7.82 0.1474
GRS LMGIC 999 7.83 0.1472
GRS LMGIC 999 7.84 0.1471
GRS LMGIC 999 7.85 0.1469
GRS LMGIC 999 7.86 0.1467
GRS LMGIC 999 7.87 0.1466
GRS LMGIC 999 7.88 0.1464
GRS LMGIC 999 7.89 0.1462
GRS LMGIC 999 7.90 0.1461
GRS LMGIC 999 7.91 0.1459
GRS LMGIC 999 7.92 0.1457
GRS LMGIC 999 7.93 0.1456
GRS LMGIC 999 7.94 0.1454
GRS LMGIC 999 7.95 0.1453
GRS LMGIC 999 7.96 0.1451
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 7.97 0.1449
GRS LMGIC 999 7.98 0.1448
GRS LMGIC 999 7.99 0.1446
GRS LMGIC 999 8.00 0.1444
GRS LMGIC 999 8.01 0.1443
GRS LMGIC 999 8.02 0.1441
GRS LMGIC 999 8.03 0.1440
GRS LMGIC 999 8.04 0.1438
GRS LMGIC 999 8.05 0.1436
GRS LMGIC 999 8.06 0.1435
GRS LMGIC 999 8.07 0.1433
GRS LMGIC 999 8.08 0.1432
GRS LMGIC 999 8.09 0.1430
GRS LMGIC 999 8.10 0.1429
GRS LMGIC 999 8.11 0.1427
GRS LMGIC 999 8.12 0.1425
GRS LMGIC 999 8.13 0.1424
GRS LMGIC 999 8.14 0.1422
GRS LMGIC 999 8.15 0.1421
GRS LMGIC 999 8.16 0.1419
GRS LMGIC 999 8.17 0.1418
GRS LMGIC 999 8.18 0.1416
GRS LMGIC 999 8.19 0.1415
GRS LMGIC 999 8.20 0.1413
GRS LMGIC 999 8.21 0.1412
GRS LMGIC 999 8.22 0.1410
GRS LMGIC 999 8.23 0.1408
GRS LMGIC 999 8.24 0.1407
GRS LMGIC 999 8.25 0.1405
GRS LMGIC 999 8.26 0.1404
GRS LMGIC 999 8.27 0.1402
GRS LMGIC 999 8.28 0.1401
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 8.29 0.1399
GRS LMGIC 999 8.30 0.1398
GRS LMGIC 999 8.31 0.1396
GRS LMGIC 999 8.32 0.1395
GRS LMGIC 999 8.33 0.1393
GRS LMGIC 999 8.34 0.1392
GRS LMGIC 999 8.35 0.1390
GRS LMGIC 999 8.36 0.1389
GRS LMGIC 999 8.37 0.1387
GRS LMGIC 999 8.38 0.1386
GRS LMGIC 999 8.39 0.1384
GRS LMGIC 999 8.40 0.1383
GRS LMGIC 999 8.41 0.1382
GRS LMGIC 999 8.42 0.1380
GRS LMGIC 999 8.43 0.1379
GRS LMGIC 999 8.44 0.1377
GRS LMGIC 999 8.45 0.1376
GRS LMGIC 999 8.46 0.1374
GRS LMGIC 999 8.47 0.1373
GRS LMGIC 999 8.48 0.1371
GRS LMGIC 999 8.49 0.1370
GRS LMGIC 999 8.50 0.1368
GRS LMGIC 999 8.51 0.1367
GRS LMGIC 999 8.52 0.1366
GRS LMGIC 999 8.53 0.1364
GRS LMGIC 999 8.54 0.1363
GRS LMGIC 999 8.55 0.1361
GRS LMGIC 999 8.56 0.1360
GRS LMGIC 999 8.57 0.1358
GRS LMGIC 999 8.58 0.1357
GRS LMGIC 999 8.59 0.1356
GRS LMGIC 999 8.60 0.1354
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 8.61 0.1353
GRS LMGIC 999 8.62 0.1351
GRS LMGIC 999 8.63 0.1350
GRS LMGIC 999 8.64 0.1349
GRS LMGIC 999 8.65 0.1347
GRS LMGIC 999 8.66 0.1346
GRS LMGIC 999 8.67 0.1344
GRS LMGIC 999 8.68 0.1343
GRS LMGIC 999 8.69 0.1342
GRS LMGIC 999 8.70 0.1340
GRS LMGIC 999 8.71 0.1339
GRS LMGIC 999 8.72 0.1337
GRS LMGIC 999 8.73 0.1336
GRS LMGIC 999 8.74 0.1335
GRS LMGIC 999 8.75 0.1333
GRS LMGIC 999 8.76 0.1332
GRS LMGIC 999 8.77 0.1331
GRS LMGIC 999 8.78 0.1329
GRS LMGIC 999 8.79 0.1328
GRS LMGIC 999 8.80 0.1327
GRS LMGIC 999 8.81 0.1325
GRS LMGIC 999 8.82 0.1324
GRS LMGIC 999 8.83 0.1322
GRS LMGIC 999 8.84 0.1321
GRS LMGIC 999 8.85 0.1320
GRS LMGIC 999 8.86 0.1318
GRS LMGIC 999 8.87 0.1317
GRS LMGIC 999 8.88 0.1316
GRS LMGIC 999 8.89 0.1314
GRS LMGIC 999 8.90 0.1313
GRS LMGIC 999 8.91 0.1312
GRS LMGIC 999 8.92 0.1310
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 8.93 0.1309
GRS LMGIC 999 8.94 0.1308
GRS LMGIC 999 8.95 0.1307
GRS LMGIC 999 8.96 0.1305
GRS LMGIC 999 8.97 0.1304
GRS LMGIC 999 8.98 0.1303
GRS LMGIC 999 8.99 0.1301
GRS LMGIC 999 9.00 0.1300
GRS LMGIC 999 9.01 0.1299
GRS LMGIC 999 9.02 0.1297
GRS LMGIC 999 9.03 0.1296
GRS LMGIC 999 9.04 0.1295
GRS LMGIC 999 9.05 0.1294
GRS LMGIC 999 9.06 0.1292
GRS LMGIC 999 9.07 0.1291
GRS LMGIC 999 9.08 0.1290
GRS LMGIC 999 9.09 0.1288
GRS LMGIC 999 9.10 0.1287
GRS LMGIC 999 9.11 0.1286
GRS LMGIC 999 9.12 0.1285
GRS LMGIC 999 9.13 0.1283
GRS LMGIC 999 9.14 0.1282
GRS LMGIC 999 9.15 0.1281
GRS LMGIC 999 9.16 0.1280
GRS LMGIC 999 9.17 0.1278
GRS LMGIC 999 9.18 0.1277
GRS LMGIC 999 9.19 0.1276
GRS LMGIC 999 9.20 0.1275
GRS LMGIC 999 9.21 0.1273
GRS LMGIC 999 9.22 0.1272
GRS LMGIC 999 9.23 0.1271
GRS LMGIC 999 9.24 0.1270
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 9.25 0.1268
GRS LMGIC 999 9.26 0.1267
GRS LMGIC 999 9.27 0.1266
GRS LMGIC 999 9.28 0.1265
GRS LMGIC 999 9.29 0.1263
GRS LMGIC 999 9.30 0.1262
GRS LMGIC 999 9.31 0.1261
GRS LMGIC 999 9.32 0.1260
GRS LMGIC 999 9.33 0.1258
GRS LMGIC 999 9.34 0.1257
GRS LMGIC 999 9.35 0.1256
GRS LMGIC 999 9.36 0.1255
GRS LMGIC 999 9.37 0.1254
GRS LMGIC 999 9.38 0.1252
GRS LMGIC 999 9.39 0.1251
GRS LMGIC 999 9.40 0.1250
GRS LMGIC 999 9.41 0.1249
GRS LMGIC 999 9.42 0.1248
GRS LMGIC 999 9.43 0.1246
GRS LMGIC 999 9.44 0.1245
GRS LMGIC 999 9.45 0.1244
GRS LMGIC 999 9.46 0.1243
GRS LMGIC 999 9.47 0.1242
GRS LMGIC 999 9.48 0.1240
GRS LMGIC 999 9.49 0.1239
GRS LMGIC 999 9.50 0.1238
GRS LMGIC 999 9.51 0.1237
GRS LMGIC 999 9.52 0.1236
GRS LMGIC 999 9.53 0.1235
GRS LMGIC 999 9.54 0.1233
GRS LMGIC 999 9.55 0.1232
GRS LMGIC 999 9.56 0.1231
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 9.57 0.1230
GRS LMGIC 999 9.58 0.1229
GRS LMGIC 999 9.59 0.1228
GRS LMGIC 999 9.60 0.1226
GRS LMGIC 999 9.61 0.1225
GRS LMGIC 999 9.62 0.1224
GRS LMGIC 999 9.63 0.1223
GRS LMGIC 999 9.64 0.1222
GRS LMGIC 999 9.65 0.1221
GRS LMGIC 999 9.66 0.1220
GRS LMGIC 999 9.67 0.1218
GRS LMGIC 999 9.68 0.1217
GRS LMGIC 999 9.69 0.1216
GRS LMGIC 999 9.70 0.1215
GRS LMGIC 999 9.71 0.1214
GRS LMGIC 999 9.72 0.1213
GRS LMGIC 999 9.73 0.1212
GRS LMGIC 999 9.74 0.1210
GRS LMGIC 999 9.75 0.1209
GRS LMGIC 999 9.76 0.1208
GRS LMGIC 999 9.77 0.1207
GRS LMGIC 999 9.78 0.1206
GRS LMGIC 999 9.79 0.1205
GRS LMGIC 999 9.80 0.1204
GRS LMGIC 999 9.81 0.1203
GRS LMGIC 999 9.82 0.1201
GRS LMGIC 999 9.83 0.1200
GRS LMGIC 999 9.84 0.1199
GRS LMGIC 999 9.85 0.1198
GRS LMGIC 999 9.86 0.1197
GRS LMGIC 999 9.87 0.1196
GRS LMGIC 999 9.88 0.1195
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-34
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LMGIC 999 9.89 0.1194
GRS LMGIC 999 9.90 0.1193
GRS LMGIC 999 9.91 0.1192
GRS LMGIC 999 9.92 0.1190
GRS LMGIC 999 9.93 0.1189
GRS LMGIC 999 9.94 0.1188
GRS LMGIC 999 9.95 0.1187
GRS LMGIC 999 9.96 0.1186
GRS LMGIC 999 9.97 0.1185
GRS LMGIC 999 9.98 0.1184
GRS LMGIC 999 9.99 0.1183
GRS LM-IC 999 -0.99 96.0000
GRS LM-IC 999 -0.98 48.0000
GRS LM-IC 999 -0.97 32.0000
GRS LM-IC 999 -0.96 24.0000
GRS LM-IC 999 -0.95 19.2000
GRS LM-IC 999 -0.94 16.0000
GRS LM-IC 999 -0.93 13.7143
GRS LM-IC 999 -0.92 12.0000
GRS LM-IC 999 -0.91 10.6667
GRS LM-IC 999 -0.90 9.6000
GRS LM-IC 999 -0.89 8.7273
GRS LM-IC 999 -0.88 8.0000
GRS LM-IC 999 -0.87 7.3846
GRS LM-IC 999 -0.86 6.8571
GRS LM-IC 999 -0.85 6.4000
GRS LM-IC 999 -0.84 6.0000
GRS LM-IC 999 -0.83 5.6471
GRS LM-IC 999 -0.82 5.3333
GRS LM-IC 999 -0.81 5.0526
GRS LM-IC 999 -0.80 4.8000
GRS LM-IC 999 -0.79 4.5714
GRS LM-IC 999 -0.78 4.3636
GRS LM-IC 999 -0.77 4.1739
GRS LM-IC 999 -0.76 4.0000
GRS LM-IC 999 -0.75 3.8400
GRS LM-IC 999 -0.74 3.6923
GRS LM-IC 999 -0.73 3.5556
GRS LM-IC 999 -0.72 3.4286
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-35
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 -0.71 3.3103
GRS LM-IC 999 -0.70 3.2333
GRS LM-IC 999 -0.69 3.1290
GRS LM-IC 999 -0.68 3.0313
GRS LM-IC 999 -0.67 2.9394
GRS LM-IC 999 -0.66 2.8529
GRS LM-IC 999 -0.65 2.7714
GRS LM-IC 999 -0.64 2.6944
GRS LM-IC 999 -0.63 2.6216
GRS LM-IC 999 -0.62 2.5526
GRS LM-IC 999 -0.61 2.4872
GRS LM-IC 999 -0.60 2.4250
GRS LM-IC 999 -0.59 2.3659
GRS LM-IC 999 -0.58 2.3095
GRS LM-IC 999 -0.57 2.2558
GRS LM-IC 999 -0.56 2.2045
GRS LM-IC 999 -0.55 2.1556
GRS LM-IC 999 -0.54 2.1087
GRS LM-IC 999 -0.53 2.0638
GRS LM-IC 999 -0.52 2.0208
GRS LM-IC 999 -0.51 1.9796
GRS LM-IC 999 -0.50 1.9400
GRS LM-IC 999 -0.49 1.9020
GRS LM-IC 999 -0.48 1.8654
GRS LM-IC 999 -0.47 1.8302
GRS LM-IC 999 -0.46 1.7963
GRS LM-IC 999 -0.45 1.7636
GRS LM-IC 999 -0.44 1.7321
GRS LM-IC 999 -0.43 1.7018
GRS LM-IC 999 -0.42 1.6724
GRS LM-IC 999 -0.41 1.6441
GRS LM-IC 999 -0.40 1.6167
GRS LM-IC 999 -0.39 1.5902
GRS LM-IC 999 -0.38 1.5645
GRS LM-IC 999 -0.37 1.5397
GRS LM-IC 999 -0.36 1.5156
GRS LM-IC 999 -0.35 1.4923
GRS LM-IC 999 -0.34 1.4697
GRS LM-IC 999 -0.33 1.4478
GRS LM-IC 999 -0.32 1.4265
GRS LM-IC 999 -0.31 1.4058
GRS LM-IC 999 -0.30 1.3929
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-36
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 -0.29 1.3732
GRS LM-IC 999 -0.28 1.3542
GRS LM-IC 999 -0.27 1.3356
GRS LM-IC 999 -0.26 1.3176
GRS LM-IC 999 -0.25 1.3000
GRS LM-IC 999 -0.24 1.2829
GRS LM-IC 999 -0.23 1.2662
GRS LM-IC 999 -0.22 1.2500
GRS LM-IC 999 -0.21 1.2342
GRS LM-IC 999 -0.20 1.2250
GRS LM-IC 999 -0.19 1.2099
GRS LM-IC 999 -0.18 1.1951
GRS LM-IC 999 -0.17 1.1807
GRS LM-IC 999 -0.16 1.1667
GRS LM-IC 999 -0.15 1.1529
GRS LM-IC 999 -0.14 1.1395
GRS LM-IC 999 -0.13 1.1264
GRS LM-IC 999 -0.12 1.1136
GRS LM-IC 999 -0.11 1.1011
GRS LM-IC 999 -0.10 1.1000
GRS LM-IC 999 -0.09 1.0879
GRS LM-IC 999 -0.08 1.0761
GRS LM-IC 999 -0.07 1.0645
GRS LM-IC 999 -0.06 1.0532
GRS LM-IC 999 -0.05 1.0421
GRS LM-IC 999 -0.04 1.0313
GRS LM-IC 999 -0.03 1.0206
GRS LM-IC 999 -0.02 1.0102
GRS LM-IC 999 -0.01 1.0101
GRS LM-IC 999 0.00 1.0000
GRS LM-IC 999 0.01 1.0891
GRS LM-IC 999 0.02 1.0784
GRS LM-IC 999 0.03 1.0680
GRS LM-IC 999 0.04 1.0577
GRS LM-IC 999 0.05 1.0476
GRS LM-IC 999 0.06 1.0377
GRS LM-IC 999 0.07 1.0280
GRS LM-IC 999 0.08 1.0185
GRS LM-IC 999 0.09 1.0092
GRS LM-IC 999 0.10 1.0455
GRS LM-IC 999 0.11 1.0360
GRS LM-IC 999 0.12 1.0268
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-37
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 0.13 1.0177
GRS LM-IC 999 0.14 1.0088
GRS LM-IC 999 0.15 1.0435
GRS LM-IC 999 0.16 1.0345
GRS LM-IC 999 0.17 1.0256
GRS LM-IC 999 0.18 1.0169
GRS LM-IC 999 0.19 1.0084
GRS LM-IC 999 0.20 1.0250
GRS LM-IC 999 0.21 1.0165
GRS LM-IC 999 0.22 1.0082
GRS LM-IC 999 0.23 1.0000
GRS LM-IC 999 0.24 0.9919
GRS LM-IC 999 0.25 0.9840
GRS LM-IC 999 0.26 0.9762
GRS LM-IC 999 0.27 0.9685
GRS LM-IC 999 0.28 0.9609
GRS LM-IC 999 0.29 0.9535
GRS LM-IC 999 0.30 0.9615
GRS LM-IC 999 0.31 0.9542
GRS LM-IC 999 0.32 0.9470
GRS LM-IC 999 0.33 0.9398
GRS LM-IC 999 0.34 0.9328
GRS LM-IC 999 0.35 0.9259
GRS LM-IC 999 0.36 0.9191
GRS LM-IC 999 0.37 0.9124
GRS LM-IC 999 0.38 0.9058
GRS LM-IC 999 0.39 0.8993
GRS LM-IC 999 0.40 0.9143
GRS LM-IC 999 0.41 0.9078
GRS LM-IC 999 0.42 0.9014
GRS LM-IC 999 0.43 0.8951
GRS LM-IC 999 0.44 0.8889
GRS LM-IC 999 0.45 0.8828
GRS LM-IC 999 0.46 0.8767
GRS LM-IC 999 0.47 0.8707
GRS LM-IC 999 0.48 0.8649
GRS LM-IC 999 0.49 0.8591
GRS LM-IC 999 0.50 0.8533
GRS LM-IC 999 0.51 0.8477
GRS LM-IC 999 0.52 0.8421
GRS LM-IC 999 0.53 0.8366
GRS LM-IC 999 0.54 0.8312
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-38
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 0.55 0.8258
GRS LM-IC 999 0.56 0.8205
GRS LM-IC 999 0.57 0.8153
GRS LM-IC 999 0.58 0.8101
GRS LM-IC 999 0.59 0.8050
GRS LM-IC 999 0.60 0.8000
GRS LM-IC 999 0.61 0.7950
GRS LM-IC 999 0.62 0.7901
GRS LM-IC 999 0.63 0.7853
GRS LM-IC 999 0.64 0.7805
GRS LM-IC 999 0.65 0.7758
GRS LM-IC 999 0.66 0.7711
GRS LM-IC 999 0.67 0.7665
GRS LM-IC 999 0.68 0.7619
GRS LM-IC 999 0.69 0.7574
GRS LM-IC 999 0.70 0.7647
GRS LM-IC 999 0.71 0.7602
GRS LM-IC 999 0.72 0.7558
GRS LM-IC 999 0.73 0.7514
GRS LM-IC 999 0.74 0.7471
GRS LM-IC 999 0.75 0.7429
GRS LM-IC 999 0.76 0.7386
GRS LM-IC 999 0.77 0.7345
GRS LM-IC 999 0.78 0.7303
GRS LM-IC 999 0.79 0.7263
GRS LM-IC 999 0.80 0.7222
GRS LM-IC 999 0.81 0.7182
GRS LM-IC 999 0.82 0.7143
GRS LM-IC 999 0.83 0.7104
GRS LM-IC 999 0.84 0.7065
GRS LM-IC 999 0.85 0.7027
GRS LM-IC 999 0.86 0.6989
GRS LM-IC 999 0.87 0.6952
GRS LM-IC 999 0.88 0.6915
GRS LM-IC 999 0.89 0.6878
GRS LM-IC 999 0.90 0.6842
GRS LM-IC 999 0.91 0.6806
GRS LM-IC 999 0.92 0.6771
GRS LM-IC 999 0.93 0.6736
GRS LM-IC 999 0.94 0.6701
GRS LM-IC 999 0.95 0.6667
GRS LM-IC 999 0.96 0.6633
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-39
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 0.97 0.6599
GRS LM-IC 999 0.98 0.6566
GRS LM-IC 999 0.99 0.6533
GRS LM-IC 999 1.00 0.6500
GRS LM-IC 999 1.01 0.6468
GRS LM-IC 999 1.02 0.6436
GRS LM-IC 999 1.03 0.6404
GRS LM-IC 999 1.04 0.6373
GRS LM-IC 999 1.05 0.6341
GRS LM-IC 999 1.06 0.6311
GRS LM-IC 999 1.07 0.6280
GRS LM-IC 999 1.08 0.6250
GRS LM-IC 999 1.09 0.6220
GRS LM-IC 999 1.10 0.6190
GRS LM-IC 999 1.11 0.6161
GRS LM-IC 999 1.12 0.6132
GRS LM-IC 999 1.13 0.6103
GRS LM-IC 999 1.14 0.6075
GRS LM-IC 999 1.15 0.6047
GRS LM-IC 999 1.16 0.6019
GRS LM-IC 999 1.17 0.5991
GRS LM-IC 999 1.18 0.5963
GRS LM-IC 999 1.19 0.5936
GRS LM-IC 999 1.20 0.5909
GRS LM-IC 999 1.21 0.5882
GRS LM-IC 999 1.22 0.5856
GRS LM-IC 999 1.23 0.5830
GRS LM-IC 999 1.24 0.5804
GRS LM-IC 999 1.25 0.5778
GRS LM-IC 999 1.26 0.5752
GRS LM-IC 999 1.27 0.5727
GRS LM-IC 999 1.28 0.5702
GRS LM-IC 999 1.29 0.5677
GRS LM-IC 999 1.30 0.5652
GRS LM-IC 999 1.31 0.5628
GRS LM-IC 999 1.32 0.5603
GRS LM-IC 999 1.33 0.5579
GRS LM-IC 999 1.34 0.5556
GRS LM-IC 999 1.35 0.5532
GRS LM-IC 999 1.36 0.5508
GRS LM-IC 999 1.37 0.5485
GRS LM-IC 999 1.38 0.5462
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-40
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 1.39 0.5439
GRS LM-IC 999 1.40 0.5417
GRS LM-IC 999 1.41 0.5394
GRS LM-IC 999 1.42 0.5372
GRS LM-IC 999 1.43 0.5350
GRS LM-IC 999 1.44 0.5328
GRS LM-IC 999 1.45 0.5306
GRS LM-IC 999 1.46 0.5285
GRS LM-IC 999 1.47 0.5263
GRS LM-IC 999 1.48 0.5242
GRS LM-IC 999 1.49 0.5221
GRS LM-IC 999 1.50 0.5200
GRS LM-IC 999 1.51 0.5179
GRS LM-IC 999 1.52 0.5159
GRS LM-IC 999 1.53 0.5138
GRS LM-IC 999 1.54 0.5118
GRS LM-IC 999 1.55 0.5098
GRS LM-IC 999 1.56 0.5078
GRS LM-IC 999 1.57 0.5058
GRS LM-IC 999 1.58 0.5039
GRS LM-IC 999 1.59 0.5019
GRS LM-IC 999 1.60 0.5000
GRS LM-IC 999 1.61 0.4981
GRS LM-IC 999 1.62 0.4962
GRS LM-IC 999 1.63 0.4943
GRS LM-IC 999 1.64 0.4924
GRS LM-IC 999 1.65 0.4906
GRS LM-IC 999 1.66 0.4887
GRS LM-IC 999 1.67 0.4869
GRS LM-IC 999 1.68 0.4851
GRS LM-IC 999 1.69 0.4833
GRS LM-IC 999 1.70 0.4815
GRS LM-IC 999 1.71 0.4797
GRS LM-IC 999 1.72 0.4779
GRS LM-IC 999 1.73 0.4762
GRS LM-IC 999 1.74 0.4745
GRS LM-IC 999 1.75 0.4727
GRS LM-IC 999 1.76 0.4710
GRS LM-IC 999 1.77 0.4693
GRS LM-IC 999 1.78 0.4676
GRS LM-IC 999 1.79 0.4659
GRS LM-IC 999 1.80 0.4643
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-41
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 1.81 0.4626
GRS LM-IC 999 1.82 0.4610
GRS LM-IC 999 1.83 0.4594
GRS LM-IC 999 1.84 0.4577
GRS LM-IC 999 1.85 0.4561
GRS LM-IC 999 1.86 0.4545
GRS LM-IC 999 1.87 0.4530
GRS LM-IC 999 1.88 0.4514
GRS LM-IC 999 1.89 0.4498
GRS LM-IC 999 1.90 0.4483
GRS LM-IC 999 1.91 0.4467
GRS LM-IC 999 1.92 0.4452
GRS LM-IC 999 1.93 0.4437
GRS LM-IC 999 1.94 0.4422
GRS LM-IC 999 1.95 0.4407
GRS LM-IC 999 1.96 0.4392
GRS LM-IC 999 1.97 0.4377
GRS LM-IC 999 1.98 0.4362
GRS LM-IC 999 1.99 0.4348
GRS LM-IC 999 2.00 0.4333
GRS LM-IC 999 2.01 0.4319
GRS LM-IC 999 2.02 0.4305
GRS LM-IC 999 2.03 0.4290
GRS LM-IC 999 2.04 0.4276
GRS LM-IC 999 2.05 0.4262
GRS LM-IC 999 2.06 0.4248
GRS LM-IC 999 2.07 0.4235
GRS LM-IC 999 2.08 0.4221
GRS LM-IC 999 2.09 0.4207
GRS LM-IC 999 2.10 0.4194
GRS LM-IC 999 2.11 0.4180
GRS LM-IC 999 2.12 0.4167
GRS LM-IC 999 2.13 0.4153
GRS LM-IC 999 2.14 0.4140
GRS LM-IC 999 2.15 0.4127
GRS LM-IC 999 2.16 0.4114
GRS LM-IC 999 2.17 0.4101
GRS LM-IC 999 2.18 0.4088
GRS LM-IC 999 2.19 0.4075
GRS LM-IC 999 2.20 0.4063
GRS LM-IC 999 2.21 0.4050
GRS LM-IC 999 2.22 0.4037
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-42
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 2.23 0.4025
GRS LM-IC 999 2.24 0.4012
GRS LM-IC 999 2.25 0.4000
GRS LM-IC 999 2.26 0.3988
GRS LM-IC 999 2.27 0.3976
GRS LM-IC 999 2.28 0.3963
GRS LM-IC 999 2.29 0.3951
GRS LM-IC 999 2.30 0.3939
GRS LM-IC 999 2.31 0.3927
GRS LM-IC 999 2.32 0.3916
GRS LM-IC 999 2.33 0.3904
GRS LM-IC 999 2.34 0.3892
GRS LM-IC 999 2.35 0.3881
GRS LM-IC 999 2.36 0.3869
GRS LM-IC 999 2.37 0.3858
GRS LM-IC 999 2.38 0.3846
GRS LM-IC 999 2.39 0.3835
GRS LM-IC 999 2.40 0.3824
GRS LM-IC 999 2.41 0.3812
GRS LM-IC 999 2.42 0.3801
GRS LM-IC 999 2.43 0.3790
GRS LM-IC 999 2.44 0.3779
GRS LM-IC 999 2.45 0.3768
GRS LM-IC 999 2.46 0.3757
GRS LM-IC 999 2.47 0.3746
GRS LM-IC 999 2.48 0.3736
GRS LM-IC 999 2.49 0.3725
GRS LM-IC 999 2.50 0.3714
GRS LM-IC 999 2.51 0.3704
GRS LM-IC 999 2.52 0.3693
GRS LM-IC 999 2.53 0.3683
GRS LM-IC 999 2.54 0.3672
GRS LM-IC 999 2.55 0.3662
GRS LM-IC 999 2.56 0.3652
GRS LM-IC 999 2.57 0.3641
GRS LM-IC 999 2.58 0.3631
GRS LM-IC 999 2.59 0.3621
GRS LM-IC 999 2.60 0.3611
GRS LM-IC 999 2.61 0.3601
GRS LM-IC 999 2.62 0.3591
GRS LM-IC 999 2.63 0.3581
GRS LM-IC 999 2.64 0.3571
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-43
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 2.65 0.3562
GRS LM-IC 999 2.66 0.3552
GRS LM-IC 999 2.67 0.3542
GRS LM-IC 999 2.68 0.3533
GRS LM-IC 999 2.69 0.3523
GRS LM-IC 999 2.70 0.3514
GRS LM-IC 999 2.71 0.3504
GRS LM-IC 999 2.72 0.3495
GRS LM-IC 999 2.73 0.3485
GRS LM-IC 999 2.74 0.3476
GRS LM-IC 999 2.75 0.3467
GRS LM-IC 999 2.76 0.3457
GRS LM-IC 999 2.77 0.3448
GRS LM-IC 999 2.78 0.3439
GRS LM-IC 999 2.79 0.3430
GRS LM-IC 999 2.80 0.3421
GRS LM-IC 999 2.81 0.3412
GRS LM-IC 999 2.82 0.3403
GRS LM-IC 999 2.83 0.3394
GRS LM-IC 999 2.84 0.3385
GRS LM-IC 999 2.85 0.3377
GRS LM-IC 999 2.86 0.3368
GRS LM-IC 999 2.87 0.3359
GRS LM-IC 999 2.88 0.3351
GRS LM-IC 999 2.89 0.3342
GRS LM-IC 999 2.90 0.3333
GRS LM-IC 999 2.91 0.3325
GRS LM-IC 999 2.92 0.3316
GRS LM-IC 999 2.93 0.3308
GRS LM-IC 999 2.94 0.3299
GRS LM-IC 999 2.95 0.3291
GRS LM-IC 999 2.96 0.3283
GRS LM-IC 999 2.97 0.3275
GRS LM-IC 999 2.98 0.3266
GRS LM-IC 999 2.99 0.3258
GRS LM-IC 999 3.00 0.3250
GRS LM-IC 999 3.01 0.3242
GRS LM-IC 999 3.02 0.3234
GRS LM-IC 999 3.03 0.3226
GRS LM-IC 999 3.04 0.3218
GRS LM-IC 999 3.05 0.3210
GRS LM-IC 999 3.06 0.3202
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-44
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 3.07 0.3194
GRS LM-IC 999 3.08 0.3186
GRS LM-IC 999 3.09 0.3178
GRS LM-IC 999 3.10 0.3171
GRS LM-IC 999 3.11 0.3163
GRS LM-IC 999 3.12 0.3155
GRS LM-IC 999 3.13 0.3148
GRS LM-IC 999 3.14 0.3140
GRS LM-IC 999 3.15 0.3133
GRS LM-IC 999 3.16 0.3125
GRS LM-IC 999 3.17 0.3118
GRS LM-IC 999 3.18 0.3110
GRS LM-IC 999 3.19 0.3103
GRS LM-IC 999 3.20 0.3095
GRS LM-IC 999 3.21 0.3088
GRS LM-IC 999 3.22 0.3081
GRS LM-IC 999 3.23 0.3073
GRS LM-IC 999 3.24 0.3066
GRS LM-IC 999 3.25 0.3059
GRS LM-IC 999 3.26 0.3052
GRS LM-IC 999 3.27 0.3044
GRS LM-IC 999 3.28 0.3037
GRS LM-IC 999 3.29 0.3030
GRS LM-IC 999 3.30 0.3023
GRS LM-IC 999 3.31 0.3016
GRS LM-IC 999 3.32 0.3009
GRS LM-IC 999 3.33 0.3002
GRS LM-IC 999 3.34 0.2995
GRS LM-IC 999 3.35 0.2989
GRS LM-IC 999 3.36 0.2982
GRS LM-IC 999 3.37 0.2975
GRS LM-IC 999 3.38 0.2968
GRS LM-IC 999 3.39 0.2961
GRS LM-IC 999 3.40 0.2955
GRS LM-IC 999 3.41 0.2948
GRS LM-IC 999 3.42 0.2941
GRS LM-IC 999 3.43 0.2935
GRS LM-IC 999 3.44 0.2928
GRS LM-IC 999 3.45 0.2921
GRS LM-IC 999 3.46 0.2915
GRS LM-IC 999 3.47 0.2908
GRS LM-IC 999 3.48 0.2902
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-45
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 3.49 0.2895
GRS LM-IC 999 3.50 0.2889
GRS LM-IC 999 3.51 0.2882
GRS LM-IC 999 3.52 0.2876
GRS LM-IC 999 3.53 0.2870
GRS LM-IC 999 3.54 0.2863
GRS LM-IC 999 3.55 0.2857
GRS LM-IC 999 3.56 0.2851
GRS LM-IC 999 3.57 0.2845
GRS LM-IC 999 3.58 0.2838
GRS LM-IC 999 3.59 0.2832
GRS LM-IC 999 3.60 0.2826
GRS LM-IC 999 3.61 0.2820
GRS LM-IC 999 3.62 0.2814
GRS LM-IC 999 3.63 0.2808
GRS LM-IC 999 3.64 0.2802
GRS LM-IC 999 3.65 0.2796
GRS LM-IC 999 3.66 0.2790
GRS LM-IC 999 3.67 0.2784
GRS LM-IC 999 3.68 0.2778
GRS LM-IC 999 3.69 0.2772
GRS LM-IC 999 3.70 0.2766
GRS LM-IC 999 3.71 0.2760
GRS LM-IC 999 3.72 0.2754
GRS LM-IC 999 3.73 0.2748
GRS LM-IC 999 3.74 0.2743
GRS LM-IC 999 3.75 0.2737
GRS LM-IC 999 3.76 0.2731
GRS LM-IC 999 3.77 0.2725
GRS LM-IC 999 3.78 0.2720
GRS LM-IC 999 3.79 0.2714
GRS LM-IC 999 3.80 0.2708
GRS LM-IC 999 3.81 0.2703
GRS LM-IC 999 3.82 0.2697
GRS LM-IC 999 3.83 0.2692
GRS LM-IC 999 3.84 0.2686
GRS LM-IC 999 3.85 0.2680
GRS LM-IC 999 3.86 0.2675
GRS LM-IC 999 3.87 0.2669
GRS LM-IC 999 3.88 0.2664
GRS LM-IC 999 3.89 0.2658
GRS LM-IC 999 3.90 0.2653
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-46
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 3.91 0.2648
GRS LM-IC 999 3.92 0.2642
GRS LM-IC 999 3.93 0.2637
GRS LM-IC 999 3.94 0.2632
GRS LM-IC 999 3.95 0.2626
GRS LM-IC 999 3.96 0.2621
GRS LM-IC 999 3.97 0.2616
GRS LM-IC 999 3.98 0.2610
GRS LM-IC 999 3.99 0.2605
GRS LM-IC 999 4.00 0.2600
GRS LM-IC 999 4.01 0.2595
GRS LM-IC 999 4.02 0.2590
GRS LM-IC 999 4.03 0.2584
GRS LM-IC 999 4.04 0.2579
GRS LM-IC 999 4.05 0.2574
GRS LM-IC 999 4.06 0.2569
GRS LM-IC 999 4.07 0.2564
GRS LM-IC 999 4.08 0.2559
GRS LM-IC 999 4.09 0.2554
GRS LM-IC 999 4.10 0.2549
GRS LM-IC 999 4.11 0.2544
GRS LM-IC 999 4.12 0.2539
GRS LM-IC 999 4.13 0.2534
GRS LM-IC 999 4.14 0.2529
GRS LM-IC 999 4.15 0.2524
GRS LM-IC 999 4.16 0.2519
GRS LM-IC 999 4.17 0.2515
GRS LM-IC 999 4.18 0.2510
GRS LM-IC 999 4.19 0.2505
GRS LM-IC 999 4.20 0.2500
GRS LM-IC 999 4.21 0.2495
GRS LM-IC 999 4.22 0.2490
GRS LM-IC 999 4.23 0.2486
GRS LM-IC 999 4.24 0.2481
GRS LM-IC 999 4.25 0.2476
GRS LM-IC 999 4.26 0.2471
GRS LM-IC 999 4.27 0.2467
GRS LM-IC 999 4.28 0.2462
GRS LM-IC 999 4.29 0.2457
GRS LM-IC 999 4.30 0.2453
GRS LM-IC 999 4.31 0.2448
GRS LM-IC 999 4.32 0.2444
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-47
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 4.33 0.2439
GRS LM-IC 999 4.34 0.2434
GRS LM-IC 999 4.35 0.2430
GRS LM-IC 999 4.36 0.2425
GRS LM-IC 999 4.37 0.2421
GRS LM-IC 999 4.38 0.2416
GRS LM-IC 999 4.39 0.2412
GRS LM-IC 999 4.40 0.2407
GRS LM-IC 999 4.41 0.2403
GRS LM-IC 999 4.42 0.2399
GRS LM-IC 999 4.43 0.2394
GRS LM-IC 999 4.44 0.2390
GRS LM-IC 999 4.45 0.2385
GRS LM-IC 999 4.46 0.2381
GRS LM-IC 999 4.47 0.2377
GRS LM-IC 999 4.48 0.2372
GRS LM-IC 999 4.49 0.2368
GRS LM-IC 999 4.50 0.2364
GRS LM-IC 999 4.51 0.2359
GRS LM-IC 999 4.52 0.2355
GRS LM-IC 999 4.53 0.2351
GRS LM-IC 999 4.54 0.2347
GRS LM-IC 999 4.55 0.2342
GRS LM-IC 999 4.56 0.2338
GRS LM-IC 999 4.57 0.2334
GRS LM-IC 999 4.58 0.2330
GRS LM-IC 999 4.59 0.2326
GRS LM-IC 999 4.60 0.2321
GRS LM-IC 999 4.61 0.2317
GRS LM-IC 999 4.62 0.2313
GRS LM-IC 999 4.63 0.2309
GRS LM-IC 999 4.64 0.2305
GRS LM-IC 999 4.65 0.2301
GRS LM-IC 999 4.66 0.2297
GRS LM-IC 999 4.67 0.2293
GRS LM-IC 999 4.68 0.2289
GRS LM-IC 999 4.69 0.2285
GRS LM-IC 999 4.70 0.2281
GRS LM-IC 999 4.71 0.2277
GRS LM-IC 999 4.72 0.2273
GRS LM-IC 999 4.73 0.2269
GRS LM-IC 999 4.74 0.2265
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-48
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 4.75 0.2261
GRS LM-IC 999 4.76 0.2257
GRS LM-IC 999 4.77 0.2253
GRS LM-IC 999 4.78 0.2249
GRS LM-IC 999 4.79 0.2245
GRS LM-IC 999 4.80 0.2241
GRS LM-IC 999 4.81 0.2238
GRS LM-IC 999 4.82 0.2234
GRS LM-IC 999 4.83 0.2230
GRS LM-IC 999 4.84 0.2226
GRS LM-IC 999 4.85 0.2222
GRS LM-IC 999 4.86 0.2218
GRS LM-IC 999 4.87 0.2215
GRS LM-IC 999 4.88 0.2211
GRS LM-IC 999 4.89 0.2207
GRS LM-IC 999 4.90 0.2203
GRS LM-IC 999 4.91 0.2200
GRS LM-IC 999 4.92 0.2196
GRS LM-IC 999 4.93 0.2192
GRS LM-IC 999 4.94 0.2189
GRS LM-IC 999 4.95 0.2185
GRS LM-IC 999 4.96 0.2181
GRS LM-IC 999 4.97 0.2178
GRS LM-IC 999 4.98 0.2174
GRS LM-IC 999 4.99 0.2170
GRS LM-IC 999 5.00 0.2167
GRS LM-IC 999 5.01 0.2163
GRS LM-IC 999 5.02 0.2159
GRS LM-IC 999 5.03 0.2156
GRS LM-IC 999 5.04 0.2152
GRS LM-IC 999 5.05 0.2149
GRS LM-IC 999 5.06 0.2145
GRS LM-IC 999 5.07 0.2142
GRS LM-IC 999 5.08 0.2138
GRS LM-IC 999 5.09 0.2135
GRS LM-IC 999 5.10 0.2131
GRS LM-IC 999 5.11 0.2128
GRS LM-IC 999 5.12 0.2124
GRS LM-IC 999 5.13 0.2121
GRS LM-IC 999 5.14 0.2117
GRS LM-IC 999 5.15 0.2114
GRS LM-IC 999 5.16 0.2110
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
S-49
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 5.17 0.2107
GRS LM-IC 999 5.18 0.2104
GRS LM-IC 999 5.19 0.2100
GRS LM-IC 999 5.20 0.2097
GRS LM-IC 999 5.21 0.2093
GRS LM-IC 999 5.22 0.2090
GRS LM-IC 999 5.23 0.2087
GRS LM-IC 999 5.24 0.2083
GRS LM-IC 999 5.25 0.2080
GRS LM-IC 999 5.26 0.2077
GRS LM-IC 999 5.27 0.2073
GRS LM-IC 999 5.28 0.2070
GRS LM-IC 999 5.29 0.2067
GRS LM-IC 999 5.30 0.2063
GRS LM-IC 999 5.31 0.2060
GRS LM-IC 999 5.32 0.2057
GRS LM-IC 999 5.33 0.2054
GRS LM-IC 999 5.34 0.2050
GRS LM-IC 999 5.35 0.2047
GRS LM-IC 999 5.36 0.2044
GRS LM-IC 999 5.37 0.2041
GRS LM-IC 999 5.38 0.2038
GRS LM-IC 999 5.39 0.2034
GRS LM-IC 999 5.40 0.2031
GRS LM-IC 999 5.41 0.2028
GRS LM-IC 999 5.42 0.2025
GRS LM-IC 999 5.43 0.2022
GRS LM-IC 999 5.44 0.2019
GRS LM-IC 999 5.45 0.2016
GRS LM-IC 999 5.46 0.2012
GRS LM-IC 999 5.47 0.2009
GRS LM-IC 999 5.48 0.2006
GRS LM-IC 999 5.49 0.2003
GRS LM-IC 999 5.50 0.2000
GRS LM-IC 999 5.51 0.1997
GRS LM-IC 999 5.52 0.1994
GRS LM-IC 999 5.53 0.1991
GRS LM-IC 999 5.54 0.1988
GRS LM-IC 999 5.55 0.1985
GRS LM-IC 999 5.56 0.1982
GRS LM-IC 999 5.57 0.1979
GRS LM-IC 999 5.58 0.1976
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 5.59 0.1973
GRS LM-IC 999 5.60 0.1970
GRS LM-IC 999 5.61 0.1967
GRS LM-IC 999 5.62 0.1964
GRS LM-IC 999 5.63 0.1961
GRS LM-IC 999 5.64 0.1958
GRS LM-IC 999 5.65 0.1955
GRS LM-IC 999 5.66 0.1952
GRS LM-IC 999 5.67 0.1949
GRS LM-IC 999 5.68 0.1946
GRS LM-IC 999 5.69 0.1943
GRS LM-IC 999 5.70 0.1940
GRS LM-IC 999 5.71 0.1937
GRS LM-IC 999 5.72 0.1935
GRS LM-IC 999 5.73 0.1932
GRS LM-IC 999 5.74 0.1929
GRS LM-IC 999 5.75 0.1926
GRS LM-IC 999 5.76 0.1923
GRS LM-IC 999 5.77 0.1920
GRS LM-IC 999 5.78 0.1917
GRS LM-IC 999 5.79 0.1915
GRS LM-IC 999 5.80 0.1912
GRS LM-IC 999 5.81 0.1909
GRS LM-IC 999 5.82 0.1906
GRS LM-IC 999 5.83 0.1903
GRS LM-IC 999 5.84 0.1901
GRS LM-IC 999 5.85 0.1898
GRS LM-IC 999 5.86 0.1895
GRS LM-IC 999 5.87 0.1892
GRS LM-IC 999 5.88 0.1890
GRS LM-IC 999 5.89 0.1887
GRS LM-IC 999 5.90 0.1884
GRS LM-IC 999 5.91 0.1881
GRS LM-IC 999 5.92 0.1879
GRS LM-IC 999 5.93 0.1876
GRS LM-IC 999 5.94 0.1873
GRS LM-IC 999 5.95 0.1871
GRS LM-IC 999 5.96 0.1868
GRS LM-IC 999 5.97 0.1865
GRS LM-IC 999 5.98 0.1862
GRS LM-IC 999 5.99 0.1860
GRS LM-IC 999 6.00 0.1857
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 6.01 0.1854
GRS LM-IC 999 6.02 0.1852
GRS LM-IC 999 6.03 0.1849
GRS LM-IC 999 6.04 0.1847
GRS LM-IC 999 6.05 0.1844
GRS LM-IC 999 6.06 0.1841
GRS LM-IC 999 6.07 0.1839
GRS LM-IC 999 6.08 0.1836
GRS LM-IC 999 6.09 0.1834
GRS LM-IC 999 6.10 0.1831
GRS LM-IC 999 6.11 0.1828
GRS LM-IC 999 6.12 0.1826
GRS LM-IC 999 6.13 0.1823
GRS LM-IC 999 6.14 0.1821
GRS LM-IC 999 6.15 0.1818
GRS LM-IC 999 6.16 0.1816
GRS LM-IC 999 6.17 0.1813
GRS LM-IC 999 6.18 0.1811
GRS LM-IC 999 6.19 0.1808
GRS LM-IC 999 6.20 0.1806
GRS LM-IC 999 6.21 0.1803
GRS LM-IC 999 6.22 0.1801
GRS LM-IC 999 6.23 0.1798
GRS LM-IC 999 6.24 0.1796
GRS LM-IC 999 6.25 0.1793
GRS LM-IC 999 6.26 0.1791
GRS LM-IC 999 6.27 0.1788
GRS LM-IC 999 6.28 0.1786
GRS LM-IC 999 6.29 0.1783
GRS LM-IC 999 6.30 0.1781
GRS LM-IC 999 6.31 0.1778
GRS LM-IC 999 6.32 0.1776
GRS LM-IC 999 6.33 0.1774
GRS LM-IC 999 6.34 0.1771
GRS LM-IC 999 6.35 0.1769
GRS LM-IC 999 6.36 0.1766
GRS LM-IC 999 6.37 0.1764
GRS LM-IC 999 6.38 0.1762
GRS LM-IC 999 6.39 0.1759
GRS LM-IC 999 6.40 0.1757
GRS LM-IC 999 6.41 0.1754
GRS LM-IC 999 6.42 0.1752
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 6.43 0.1750
GRS LM-IC 999 6.44 0.1747
GRS LM-IC 999 6.45 0.1745
GRS LM-IC 999 6.46 0.1743
GRS LM-IC 999 6.47 0.1740
GRS LM-IC 999 6.48 0.1738
GRS LM-IC 999 6.49 0.1736
GRS LM-IC 999 6.50 0.1733
GRS LM-IC 999 6.51 0.1731
GRS LM-IC 999 6.52 0.1729
GRS LM-IC 999 6.53 0.1726
GRS LM-IC 999 6.54 0.1724
GRS LM-IC 999 6.55 0.1722
GRS LM-IC 999 6.56 0.1720
GRS LM-IC 999 6.57 0.1717
GRS LM-IC 999 6.58 0.1715
GRS LM-IC 999 6.59 0.1713
GRS LM-IC 999 6.60 0.1711
GRS LM-IC 999 6.61 0.1708
GRS LM-IC 999 6.62 0.1706
GRS LM-IC 999 6.63 0.1704
GRS LM-IC 999 6.64 0.1702
GRS LM-IC 999 6.65 0.1699
GRS LM-IC 999 6.66 0.1697
GRS LM-IC 999 6.67 0.1695
GRS LM-IC 999 6.68 0.1693
GRS LM-IC 999 6.69 0.1691
GRS LM-IC 999 6.70 0.1688
GRS LM-IC 999 6.71 0.1686
GRS LM-IC 999 6.72 0.1684
GRS LM-IC 999 6.73 0.1682
GRS LM-IC 999 6.74 0.1680
GRS LM-IC 999 6.75 0.1677
GRS LM-IC 999 6.76 0.1675
GRS LM-IC 999 6.77 0.1673
GRS LM-IC 999 6.78 0.1671
GRS LM-IC 999 6.79 0.1669
GRS LM-IC 999 6.80 0.1667
GRS LM-IC 999 6.81 0.1665
GRS LM-IC 999 6.82 0.1662
GRS LM-IC 999 6.83 0.1660
GRS LM-IC 999 6.84 0.1658
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 6.85 0.1656
GRS LM-IC 999 6.86 0.1654
GRS LM-IC 999 6.87 0.1652
GRS LM-IC 999 6.88 0.1650
GRS LM-IC 999 6.89 0.1648
GRS LM-IC 999 6.90 0.1646
GRS LM-IC 999 6.91 0.1643
GRS LM-IC 999 6.92 0.1641
GRS LM-IC 999 6.93 0.1639
GRS LM-IC 999 6.94 0.1637
GRS LM-IC 999 6.95 0.1635
GRS LM-IC 999 6.96 0.1633
GRS LM-IC 999 6.97 0.1631
GRS LM-IC 999 6.98 0.1629
GRS LM-IC 999 6.99 0.1627
GRS LM-IC 999 7.00 0.1625
GRS LM-IC 999 7.01 0.1623
GRS LM-IC 999 7.02 0.1621
GRS LM-IC 999 7.03 0.1619
GRS LM-IC 999 7.04 0.1617
GRS LM-IC 999 7.05 0.1615
GRS LM-IC 999 7.06 0.1613
GRS LM-IC 999 7.07 0.1611
GRS LM-IC 999 7.08 0.1609
GRS LM-IC 999 7.09 0.1607
GRS LM-IC 999 7.10 0.1605
GRS LM-IC 999 7.11 0.1603
GRS LM-IC 999 7.12 0.1601
GRS LM-IC 999 7.13 0.1599
GRS LM-IC 999 7.14 0.1597
GRS LM-IC 999 7.15 0.1595
GRS LM-IC 999 7.16 0.1593
GRS LM-IC 999 7.17 0.1591
GRS LM-IC 999 7.18 0.1589
GRS LM-IC 999 7.19 0.1587
GRS LM-IC 999 7.20 0.1585
GRS LM-IC 999 7.21 0.1583
GRS LM-IC 999 7.22 0.1582
GRS LM-IC 999 7.23 0.1580
GRS LM-IC 999 7.24 0.1578
GRS LM-IC 999 7.25 0.1576
GRS LM-IC 999 7.26 0.1574
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 7.27 0.1572
GRS LM-IC 999 7.28 0.1570
GRS LM-IC 999 7.29 0.1568
GRS LM-IC 999 7.30 0.1566
GRS LM-IC 999 7.31 0.1564
GRS LM-IC 999 7.32 0.1563
GRS LM-IC 999 7.33 0.1561
GRS LM-IC 999 7.34 0.1559
GRS LM-IC 999 7.35 0.1557
GRS LM-IC 999 7.36 0.1555
GRS LM-IC 999 7.37 0.1553
GRS LM-IC 999 7.38 0.1551
GRS LM-IC 999 7.39 0.1549
GRS LM-IC 999 7.40 0.1548
GRS LM-IC 999 7.41 0.1546
GRS LM-IC 999 7.42 0.1544
GRS LM-IC 999 7.43 0.1542
GRS LM-IC 999 7.44 0.1540
GRS LM-IC 999 7.45 0.1538
GRS LM-IC 999 7.46 0.1537
GRS LM-IC 999 7.47 0.1535
GRS LM-IC 999 7.48 0.1533
GRS LM-IC 999 7.49 0.1531
GRS LM-IC 999 7.50 0.1529
GRS LM-IC 999 7.51 0.1528
GRS LM-IC 999 7.52 0.1526
GRS LM-IC 999 7.53 0.1524
GRS LM-IC 999 7.54 0.1522
GRS LM-IC 999 7.55 0.1520
GRS LM-IC 999 7.56 0.1519
GRS LM-IC 999 7.57 0.1517
GRS LM-IC 999 7.58 0.1515
GRS LM-IC 999 7.59 0.1513
GRS LM-IC 999 7.60 0.1512
GRS LM-IC 999 7.61 0.1510
GRS LM-IC 999 7.62 0.1508
GRS LM-IC 999 7.63 0.1506
GRS LM-IC 999 7.64 0.1505
GRS LM-IC 999 7.65 0.1503
GRS LM-IC 999 7.66 0.1501
GRS LM-IC 999 7.67 0.1499
GRS LM-IC 999 7.68 0.1498
Version 2.02 Effective Per Page ALM General Insurance Company
LM Insurance CorporationS02
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PENNSYLVANIAAutomobile Rating Manual
Stabilization Factor
Original Program Code
Current Company
Tenure(Up To)
Indicated Change (Up To)
Rate Stabilization Factor
GRS LM-IC 999 7.69 0.1496
GRS LM-IC 999 7.70 0.1494
GRS LM-IC 999 7.71 0.1493
GRS LM-IC 999 7.72 0.1491
GRS LM-IC 999 7.73 0.1489
GRS LM-IC 999 7.74 0.1487
GRS LM-IC 999 7.75 0.1486
GRS LM-IC 999 7.76 0.1484
GRS LM-IC 999 7.77 0.1482
GRS LM-IC 999 7.78 0.1481
GRS LM-IC 999 7.79 0.1479
GRS LM-IC 999 7.80 0.1477
GRS LM-IC 999 7.81 0.1476
GRS LM-IC 999 7.82 0.1474
GRS LM-IC 999 7.83 0.1472
GRS LM-IC 999 7.84 0.1471
GRS LM-IC 999 7.85 0.1469
GRS LM-IC 999 7.86 0