2020 Massachusetts Private Passenger Automobile Insurance Manual

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2020MASSACHUSETTSPRIVATE PASSENGERAUTOMOBILE INSURANCE MANUALQUINCY MUTUALFIRE INSURANCE COMPANYQUINCY MUTUAL FIRE INSURANCE COMPANY57 Washington StreetQuincy, MA 02169Edition Date 05-01-2020Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALTABLE OF CONTENTSSECTION I - GENERAL RULESRule .226.326.426.526.626.7RuleMassachusetts Automobile Insurance Policy - EligibilityCoverages and LimitsMandatory Offer of CoverageStandard ProceduresResidence and LocationOut-of-State GaragingPolicy PeriodChangesMotor Vehicle Registration CertificatesCertified Risks - Financial Responsibility LawsPremium Calculation RuleWhole Dollar Premium RuleInstallment Payment of PremiumsDeposit Premium RuleEmployers Subject to Massachusetts Workers Compensation ActDeductibles - Parts 7, 8 and 9Substitute TransportationTermination of InsuranceDiscountsModel Year RatingAIB Vehicle Rating Group (VRG) Program(Applicable to Model Years 2011 and Greater)Non-Symbolled Vehicles and Rating Vehicles for which Symbols are notShown on the Rate Pages (Applicable to Model Years 2010 and Prior)Reserved For Future UseExtra-Risk Rating (Collision and Comprehensive)Vehicle Series Rating (Applicable to Model Years 2010 and Prior)Tier AssignmentRisk Underwriting FactorDriver Experience FactorVehicle History Score FactorBasic Coverage Package Premium RatingNumber of Drivers and Vehicles FactorMake/Model Adjustment FactorBegins 414344454647SECTION II - PRIVATE PASSENGER AUTOMOBILESRule No.272829303132333435363738RulePrivate Passenger DefinitionPrivate Passenger ClassificationsReserved For Future UsePersonal Injury Protection - Deductible FormTransportation of Fellow EmployeesNon-Symbolled Pick-Ups, Vans, and Similar Type Vehicles or Pick-Ups, Vansand Similar Type Vehicles not Assigned to Vehicle Rating GroupsTowing and LaborTrailers Designed for Use With Private Passenger Motor VehiclesReplacement Cost Coverage For New VehiclesAuto Enhancement EndorsementAuto Loan/Lease CoverageMerit Rating Points ForgivenessBegins onPage484953545556575859606162TOC-1Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION III - MISCELLANEOUS MOTOR VEHICLES AND COVERAGESRule No.39404142434445464748RuleMotor Homes/Camper BodiesAntique Motor Cars and MotorcyclesStated Amount CoverageReserved for Future UseLow Speed VehiclesMotorcycles, Motorscooters, Mopeds and Similar Motor VehiclesAgreed Amount Coverage - ComprehensiveExcess Electronic Equipment CoverageCustomized Vans and PickupsOriginal Equipment Manufacturer Parts CoverageBegins onPage63656667686971727374SECTION IV - NON-OWNED AUTOMOBILESRule No.495051-53RuleNamed Non-Owner Policy (Not Available)Use of Other AutomobilesReserved for Future UseBegins onPage757677SECTION V - SUPPLEMENTAL INFORMATIONRule No.545556565758RuleAnti-Theft Device Standards and DiscountsPre-Insurance Inspection ProgramMerit Rating PlanIncreased Limits and Implicit Surcharge Exclusion FactorsReserved For Future UseRegistry of Motor Vehicles ProceduresBegins onPage788587909293ADDITIONAL ITEMSRulePrivate Passenger Endorsement IndexPrivate Passenger FormsBegins onPageB-1B-2TOC-2Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALRATE SECTIONBegins onPageRating TerritoriesMemorandumStatewide RatesParts 1,2,4,5,7,8,and 9 RatesModel Year Symbol Factors Collision and ComprehensiveModel Year Vehicle Rate Group Factors BI & PDL and PIP & Med PayVRG Assignment by Price TableModel Year Vehicle Rate Group Factors Collision and ComprehensiveMake/Model Adjustment FactorsStated Amount Rates (Symbol)Stated Amount Rates (VRG)Motorcycle Statewide RatesMotorcycle Rates Parts 1,2,4,5,7,8,and 9Approved Motorcycle Training SitesMiscellaneous Rating FactorsMiscellaneous Motor VehiclesT-1-11R-1SWR to MC-Misc. 1MC-Educ 1MF-1-2MV-1-2RATING WORKSHEETS SECTIONRating Worksheet for PP VehiclesRating Worksheet for MotorcyclesBegins onPageRW-1RW-2TOC-3Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALThe rules in this manual apply to all policy Tiers as described in Rule 26.1. Tier Assignment, unless otherwise specified.SECTION I - GENERAL RULESRULE 1. MASSACHUSETTS AUTOMOBILE INSURANCE POLICY - ELIGIBILITYAll individually owned vehicles registered under the Massachusetts Compulsory Motor Vehicle Law and rated in accordance with thisManual may be written on the Massachusetts Automobile Insurance Policy.Coverage for risks not subject to the Compulsory Law may be provided under the countrywide Personal Auto Policy.1Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 2. COVERAGES AND LIMITSThe types of coverages available in the Massachusetts Automobile Insurance Policy are:Compulsory Insurance CoveragesPart 1 - Bodily Injury To OthersThe basic limits are 20,000 each person and 40,000 each accident.Part 2 - Personal Injury ProtectionThe basic limit is 8,000 for each person. Refer to Rule 30 for available deductibles.Part 3 - Bodily Injury Caused By An Uninsured AutoThe basic limits are 20,000 each person and 40,000 each accident. Increased limits are available. The limits may not exceedthe limits of Part 5, or if Part 5 is not purchased, Part 1 of this policy. This coverage is excess over Personal Injury Protection.Part 4 - Damage To Someone Else’s PropertyThe basic limit is 5,000 each accident. Increased limits are available.Optional Insurance CoveragesPart 5 - Optional Bodily Injury To OthersThe basic limits are 20,000 each person and 40,000 each accident. Increased limits are available.Part 6 - Medical PaymentsThe basic limit is 5,000 each person. Higher limits are available for all motor vehicles rated in this manual. Motorcycle limitsare available from 500 to 25,000. This coverage is excess over Personal Injury Protection.Part 7 - CollisionThis coverage is subject to a basic deductible of 500. A deductible of 300 is available subject to underwriting requirementsestablished by the insurer, as permitted by law. Higher deductibles are available at the option of the insured. Waiver ofDeductible is available at the option of the insured. Endorsement MPY-0016-S must be attached. This coverage is written onan actual cash value or stated amount basis.Part 8 - Limited CollisionThis coverage is subject to a basic deductible of 500. Other deductibles or full coverage are available at the option of theinsured. This coverage is written on an actual cash value or stated amount basis.Part 9 - ComprehensiveThis coverage is subject to a basic deductible of 500. A deductible of 300 is available subject to underwriting requirementsestablished by the insurer, as permitted by law. Higher deductibles are available at the option of the insured. A separate 100glass deductible is also available at the option of the insured. Endorsement MPY-0039-S, titled 100 Glass Deductible, mustbe issued with the policy. This glass deductible is in addition to the otherwise applicable deductible for Part 9. This coverage iswritten on an actual cash value, stated amount or agreed amount basis.Part 10 - Substitute TransportationThis coverage pays for loss of use to a motor vehicle as a result of an accident or loss. Refer to the Statewide Rate page forapplicable limits and premiums.Part 11 - Towing And LaborThis coverage will pay up to 50 or up to 100 for towing and labor costs for each auto disablement. It is available only forprivate passenger motor vehicles, as defined in Rule 27, and motorcycles.Part 12 - Bodily Injury Caused By An Underinsured AutoThe basic limits are 20,000 each person and 40,000 each accident. Increased limits are available. The limits may not exceedthe limits of Part 5, or if Part 5 is not purchased, Part 1 of this policy. This coverage is excess over Personal Injury Protection.2Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 3. MANDATORY OFFER OF COVERAGEMassachusetts law requires a company that provides Compulsory Insurance Coverages to make a mandatory offer to issue to anyperson so insured additional coverages consisting of:1.2.3.4.5.Limits up to 35,000 each person and 80,000 each accident for Parts 3, 5 and 12. 5,000 each person for Part 6.Parts 7, 8 and 9, subject to a basic deductible of 500.Part 10 - Substitute Transportation.Fire, Theft and Comprehensive Coverage subject to a basic deductible of 500.Companies must charge an extra-risk rate or refuse Collision and Comprehensive coverages under certain circumstances as requiredby law. Refer to Rule 24 for extra-risk rating procedures.3Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 4. STANDARD PROCEDURESA.Renewals1.The company must mail the Coverage Selections Page not less than thirty days prior to policy expiration. The CoverageSelections Page may be accompanied by the Massachusetts Renewal Form.The Massachusetts Renewal Form must be sent to the policyholder at least once every three years. It is not necessary forthe policyholder to return this form to the producer or company representative unless the information contained on theCoverage Selections Page or the Massachusetts Renewal Form is inaccurate or obsolete.2.The Company may elect to secure payment of a deposit premium. The premium quotation shall be based on the latestclassification information and premium charges established for the renewal policy.3.Failure to pay the deposit premium may result in cancellation of the policy. The specific reason for cancellation is nonpayment of any required premium.The Cancellation Notice must also contain the following statement:“This cancellation will not take effect if the full amount of premium and fees due shown above is paid on or prior to theeffective date of cancellation.” The full amount due includes any applicable late fees and installment fees.B.Non-Renewal1.C.No company shall refuse to renew a policy unless written notice is given by the company to the insured, or the producer orbroker producing the business, at least forty-five days prior to the expiration of the policy.a.A notice required to be sent by the company to the insured may be by regular mail for which a certificate of mailingreceipt has been obtained from the United States Postal Service. Unless another company has replaced the insurance,the notice should be electronically transmitted to the Registry of Motor Vehicles not earlier than the policy expirationdate. If the insurance and registration are coterminous, it will not be necessary to notify the Registry of Motor Vehicles.b.If the notice is required to be sent by the company to the producer or broker producing the business, such producer orbroker shall, within fifteen days of receiving such notice, send a copy to the insured by regular mail for which a certificateof mailing receipt has been obtained from the United States Postal Service. The producer or broker must notify thecompany not later than the policy expiration date if the insurance is not replaced so that the company may, in turn,electronically transmit the noticeto the Registry of Motor Vehicles. Notice to the company is not required if the insurance and registration arecoterminous.New Business1. The producer is required to obtain from the applicant for insurance a new business application in all cases except whenthe producer is transferring a policy from one company to another and the acquiring company waives this requirement.2. If coverage is being replaced midterm, the producer must verify that there is no automobile insurance premium owed to theformer company or producer.D.Transfer of Existing Insurance Coverage to Another Carrier1. The producer of record must provide information necessary for the new company to transmit data to the Registry of MotorVehicles for each vehicle insured.In addition to reporting all necessary information to the new company, the producer shall prepare an RMV-3 form,accompanied by the appropriate fee, for processing by the Registry of Motor Vehicles, if an insured requests a correctedregistration certificate.2.At the same time this transfer information is released to the new carrier, the producer of record shall notify the formerproducer of record, if known, and the former carrier that a certificate of coverage has been issued for the policy. Thenotification must be signed by the producer of record or issued on the letterhead and the notice must bear the Registrystamp of the insurer, which may be in electronic format. The notice may be in hard copy or electronic format.3.The notification of coverage transfer shall not be issued to the prior producer or insurer before the insurer or agent of thereplacement policy has actually received the required down-payment or first payment. The notification of coverage transfershall be issued no later than 10 days after the day the agent or the replacement insurer receives the down-payment or firstpayment for the replacement policy.4Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 4. STANDARD PROCEDURES-Continued4.Upon receipt of transfer notification of insurer, the former carrier shall:a. discontinue coverage as of the date shown on the notification;b. compute the return premium, if any, as of the date shown on the notification; andc. if not previously notified, notify the former producer, if any, of the change in carrier.No notice of cancellation is required.EXCEPTION - Except for D-1 above, Section D. of this Rule is not applicable to those specific instances when a producertransfers a block of business from one carrier to another. In such situations the producer should refer to the former carrierfor specific procedures. The producer of record must provide the new carrier with information necessary for that carrier totransmit registration data to the Registry of Motor Vehicles.E.Cancellation (Other Than Transfer of Insurer)1.Notice of cancellation must be given in a timely manner as required by Massachusetts law and shall include the specificreason(s) for cancellation.2.The company must electronically notify the Registry of Motor Vehicles immediately upon the intended effective date ofcancellation.Refer to Rule 18.5Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 5. RESIDENCE AND LOCATIONThe proper rate schedules and rules are those effective in the city or town where the automobile is principally garaged. Motorvehicles used by salesmen or solicitors, or those with similar duties, requiring the operation of the motor vehicle in more than onerating territory in Massachusetts, shall be assigned to the territory determined by the place of principal garaging, or, if there is nospecific city or town of principal garaging, then, by the residential address of the operator, or, if the residential address of the operatorcannot be determined, then, by the Massachusetts business address of the operator. No adjustment of the premium shall be madeby reason of a change in the place of principal garaging during the policy period unless such change is permanent.Massachusetts registration is required of non-residents in accordance with reciprocal agreements with the various states asdetermined by the Registrar of Motor Vehicles.Any motor vehicle owned by a non-resident of Massachusetts for which Massachusetts registration is required, principally garagedinside the Commonwealth, shall be charged the rate for the territory in which the motor vehicle is principally garaged by such nonresident during the period of Massachusetts registration.6Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 6. OUT-OF-STATE GARAGINGAny motor vehicle, whether owned by a resident or non-resident of Massachusetts for which Massachusetts registration is required,principally garaged outside of Massachusetts shall be written at limits of liability at least equal to the financial responsibility limits ofthe state of principal garaging, and shall be charged the rates for vehicles garaged in the appropriate Territory code by state ofgaraging as shown in the Territory Definition pages.7Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 7. POLICY PERIODA.The insured shall have the option to purchase and the insurer shall not refuse to issue an annual motor vehicle policy or bondproviding compulsory coverages containing any expiration date as the insured may elect. Insurers may offer such policies orbonds for a period of more than one year but not more than two years or may issue an extension of any existing policy or bond.B.Policies insuring individually owned motorcycles, trailers and other recreational-type vehicles shall, at the option of the insured,be issued for a period of less than one year with policy expiration to be coterminous with the registration. Endorsement M-0103S, titled Non-Renewal of Policy (Motorcycles, Recreational Vehicles & Trailers), must be issued with the policy.“Recreational-type vehicle” means a land motor vehicle subject to a motor vehicle registration which expires November 30 orDecember 31, and is principally used for vacation travel or leisure-time activity. Registration for motorcycles expires December31. Registration for all other recreational vehicles expires November 30.The premium for such policies shall be determined by applying the appropriate percentage to the annual rate based on policyinception date as shown in the table below.If a short term policy is cancelled at the request of the insured later than thirty days from the effective date or later than thirtydays from the receipt of the policy, whichever is later, the return premium shall be calculated on a short rate basis using theappropriate short rate table applicable to short term policies found in Rule 18.Percentages for Short Term PoliciesDate Interval*Percent ofAll OtherMotorcycleAnnual Nov.16-30Dec.16-3114*All dates inclusive8Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 8. CHANGESA.All mid term changes requiring adjustments of premium shall be computed pro rata based on the rates in effect on the policyinception date.B.Minimum Premiums1.If an outstanding policy is amended and results in a premium adjustment of less than 5, such adjustment may be waived,or it may be made subject to a minimum adjustment of 5 except that the actual return premium of less than 5 shall beallowed at the request of the insured.2.A minimum premium of 5 shall apply if an additional premium results because a coverage is added, or the limits of liabilityare increased, or a deductible is reduced, at the request of the insured during the policy period.3.If a return premium of less than 5 results because a coverage is cancelled, or limits of liability are reduced, or a deductibleis increased at the request of the insured, no refund need be made except at the request of the insured, in which case theactual return premium shall be allowed.4.If the limits of liability are increased because of a change in the limits prescribed under any financial responsibility law, theadditional premium charge shall be the actual difference in premium charges; if less than 5, it may be charged or waived.9Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 9. MOTOR VEHICLE REGISTRATION CERTIFICATESThe specific insurance certification requirements under the Massachusetts Compulsory Motor Vehicle Insurance Law are includedin Section 1A of General Laws Chapter 90. Motor vehicles not subject to the Compulsory Law do not require insurance certification.Every insurance carrier issuing a motor vehicle liability insurance policy covering a motor vehicle or trailer subject to the CompulsoryLaw must issue the prescribed Motor Vehicle Registration Certificate indicating a policy or binder has been issued covering suchmotor vehicle or trailer. No form or certificate shall be used other than that which is a part of the Massachusetts motor vehicleapplication for registration.Certificates shall be executed in the name of the insurance carrier only by individuals authorized to sign in the prescribedAuthorization To Sign Motor Vehicle Registration Certificates form filed with the Commissioner of Insurance.Section 34 B of General Laws Chapter 90, G.L. provides penalties for unlawful use of the Motor Vehicle Registration Certificate.10Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 10.A.CERTIFIED RISKS - FINANCIAL RESPONSIBILITY LAWSApplicationIf a certificate of insurance is necessary to comply with the requirements of a financial responsibility Law of any state or provinceof Canada, the insurance company must issue evidence of financial responsibility upon request of the insured for an additionalpremium.In the event that evidence of financial responsibility is required as the result of a motor vehicle violation, a policy affordingDamage To Someone Else’s Property (Part 4) and Optional Bodily Injury To Others (Part 5) shall be construed to have thenecessary limits of liability of the state or province.In the event that a certificate of insurance for the future is required as the result of a conviction of a motor vehicle violation, thepolicy limits shall be increased to afford limits of liability not less than that required by the financial responsibility laws of the stateor province requesting certification and premium shall be increased accordingly.The filing of a financial responsibility certificate of insurance as the result of a conviction of a motor vehicle violation requires thefollowing premium adjustments to be added to the otherwise applicable premiums as follows:1.2.B.Ownersa.If an owner is required to file evidence of financial responsibility for owned automobiles and for the operation ofautomobiles which he does not own, the additional premium shall be computed by multiplying the applicable percentageshown in Section B to the sum of the total of Parts 1, 2, 4 and 5 premium for the highest rated automobile owned bythe insured and the total non-ownership liability premium, modified in accordance with any applicable rating plan.b.In all other cases, the additional premium shall be computed by multiplying the applicable percentage shown in SectionB to the total premium for Parts 1, 2, 4 and 5 for the highest rated automobile owned by the insured, modified inaccordance with any applicable rating plan.Non-Ownersa.If the policy is written to insure a Named Operator or Named Non-Owner, the additional premium shall be computed bymultiplying the applicable percentage shown in Section B to the total bodily injury and property damage premium forthe policy.b.If coverage is provided under a policy which has been extended to cover a named individual in accordance with theUse of Other Automobiles Rule (Rule 50), the additional premium shall be computed by multiplying the applicablepercentage to the (1) bodily injury premium for the highest rated automobile insured under the policy for the ratingterritory in which the named individual is located, or (2) if there is no automobile at such location, the rates for a Class30 private passenger automobile for the territory in which the named individual is located.Additional Premium Percentages1. The otherwise applicable premium will be increased by 50% if the certificate is required for a conviction listed below. Thisincrease is to be applied for the period of time a certificate is required, but in no event for a period in excess of three yearsfollowing conviction. Thereafter, the otherwise applicable premium will be increased by 5%.2.3.a.Driving a motor vehicle while intoxicated or under the influence of marijuana or a narcotic drug.b.Failing to stop and report when involved in an accident.c.Homicide or assault arising out of the operation of a motor vehicle.The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. Thisincrease is to be applied for the period of time a certificate is required, but in no event for a period in excess of three yearsfollowing conviction. Thereafter, the otherwise applicable premium will be increased by 5%.a.Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually resultstherefrom.b.Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom.The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever.11Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2020

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUALSECTION I - GENERAL RULESRULE 11.PREMIUM CALCULATION RULEThis premium determination Rule applies separately to Private Passenger vehicles as defined in Rule 27. and toMotorcycles. For Miscellaneous type vehicles, refer to the Miscellaneous rate pages of the manual to calculate the premium.Once the type of vehicle is determined, follow the appropriate calculation rule below.A. Private Passenger VehiclesLiability Coverages:Bodily Injury Liability (Part 1)1. Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged.2. Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle.3. Determine the base premium from the Part 1 manual rate page based upon the territory and classification for this coveragepart.4. Multiply by the appropriate tier factor from Rule 26.1. B., round.5. Multiply by the appropriate BI/PDL Model Year/Vehicle Rating Group Relativity, round. (Applicable as described in Rule 21.)6. Multiply by Make/Model Adjustment factor as described in Rule 26.7.7. Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the ratingworksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on theworksheet. Premiums are rounded after each step except after the age 65/ class 15 discount.Personal Injury Protection (Part 2)1.2.3.4.5.6.7.8.Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged.Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle.Determine the base premium from the Part 2 manual rate page based upon the territory and classification for this coveragepart.Multiply by the appropriate tier factor from Rule 26.1. B., round.Multiply by the appropriate PIP/Med Pay Model Year/Vehicle Rating Group Relativity, round. (Applicable as described inRule 21.)Multiply by Make/Model Adjustment factor as described in Rule 26.7.Multiply by the deductible % shown on the rate page for a deductible buy-back credit, if applicable. Round.Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the ratingworksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on theworksheet. Premiums are rounded after each step except after the age 65/ class 15 discount.Property Damage Liability (Part 4)1.2.3.4.5.6.7.8.Refer to the Territory Definition pages to determine the territory code for the location where the auto is principally garaged.Refer to Rule 28. to determine the appropriate driver classification applicable to each vehicle.Determine the base premium from the Part 4 manual rate page based upon the territory andclassification.Multiply by the appropriate tier factor from Rule 26.1. B., round.Multiply by the appropriate BI/PDL Model Year/Vehicle Rating Group Relativity, round. (Applicable as described in Rule 21.)Multiply by Make/Model Adjustment factor as described in Rule 26.7.Multiply by the increased limits factor shown on the rate page, if applicable. Round.Multiply the premium determined above by any other applicable rating debit and credit factors as shown on the ratingworksheet on page RW-1 of this manual. Premiums are calculated in the consecutive, cumulative order shown on theworksheet. Premiums are rounded after each step except after the age 65/class 15 discount.Optional Bod

All individually owned vehicles registered under the Massachusetts Compulsory Motor Vehicle Law and rated in accordance with this Manual may be written on the Massachusetts Automobile Insurance Policy. Coverage for risks not subject to the Compulsory Law may be provided under the countrywide Personal Auto Policy.

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