Massachusetts Commercial Automobile Statistical Plan
Massachusetts Commercial AutomobileStatistical PlanContaining the Instructions and Codes Applicable tothe Vehicles Rated in the Massachusetts CommercialAutomobile Insurance ManualPrinted and Distributed byCommonwealth Automobile Reinsurers101 Arch Street, Boston, MA 02110(617) 338-4000FAX: (617) *******Original Effective January 1, 1981Contains Revisions Through December 10, 2019
Massachusetts Commercial AutomobileStatistical PlanTable of ContentsTable of ContentsPageIOverview. I:1IIGeneral Rules. II:1IIIGeneral Reporting RequirementsA.Pemiums. III:1Losses. III:6B.IVReporting Instructions – PremiumsA.Liability. IV:1B.No-Fault . IV:7C.Physical Damage. IV:12VReporting Instructions – LossesLiability. V:1A.B.No-Fault . V:8C.Physical Damage. V:14VICoding Section. VI:1VIIStatistical Data Quality ProgramA.Statistical Data Quality Components . VII:1B.Statistical Data Quality Penalties. VII:8VIIIRecord Layouts . VIII:1Appendix AClassification and Coverage Code Decision Tables . A:1Appendix BPremium and Accident Town Tables. B:1Index . C:1Last Revision Date: 01/01/2000Page: iPrint Date: 01/01/2000
Massachusetts Commercial AutomobileStatistical PlanPart I - OverviewA. SCOPE OF THE PLANThe Massachusetts Commercial Automobile Statistical Plan is applicable to total automobile directbusiness written by a company on vehicles rated in accordance with the Massachusetts CommercialAutomobile Insurance Manuals. This Plan also applies to vehicle classifications or coverages for whichcompanies may file their own rates (e.g. antique automobiles). The Massachusetts CommercialAutomobile Insurance Manuals, which are published by the Automobile Insurers Bureau of Massachusettsand by Commonwealth Automobile Reinsurers, should be used in conjunction with both theMassachusetts Commercial Automobile Statistical Plan and the various informational Accounting andStatistical Notices published periodically by Commonwealth Automobile Reinsurers. In order to assurethat the statistical data reported to CAR is of the highest level of quality, the Massachusetts CommercialAutomobile Statistical Plan provides companies with the necessary requirements, instructions and codesfor reporting detailed statistical data for the following automobile insurance coverages to CAR:Bodily Injury LiabilityPersonal Injury ProtectionUninsured MotoristProperty Damage LiabilityMedical PaymentsUnderinsured MotoristPhysical DamagePollution LiabilityB. ORGANIZATION OF THE PLANThe Massachusetts Commercial Automobile Statistical Plan is organized in the following major divisions:Part IPart IIPart IIIPart IVPart VPart VIPart VIIPart VIIIAppendix AAppendix B––––––––––OverviewGeneral RulesGeneral Reporting Requirements (Premiums and Losses)Reporting Instructions - PremiumsReporting Instructions - LossesCoding SectionStatistical Data Quality ProgramRecord LayoutsDecision Tables – Classification Code and Coverage CodePremium and Accident TownsThe Overview Section introduces the Massachusetts Commercial Automobile Statistical Plan. It identifiesthe coverages for which this Plan is applicable, details the organization of this Plan, specifies the StatisticalPlan’s effective date and identifies how CAR informs users of updates to this Plan.The General Rules Section of this Plan describes company reporting requirements and the proper methodfor reporting data to CAR. The General Reporting Requirements Section of this Plan contains generalinformation relative to the reporting of premium and loss data to CAR. The Reporting InstructionsSections of this Plan contain specifications for reporting each of the data fields required on the variouspremium and loss record layouts.Last Revision Date: 01/01/2003Page: I:1Print Date: 10/10/2002
Massachusetts Commercial AutomobileStatistical PlanPart I - OverviewB. ORGANIZATION OF THE PLAN (Continued)The Coding Section of this Plan identifies the possible values or codes that are valid for each of the datafields contained on the premium and loss record layouts. Data fields apply to all record layouts unlessotherwise noted. If a specific data field only applies to a specific record layout or coverage, this will beindicated in the Coding Section. The Coding Section is divided into four subsections. The first sectioncontains codes that are applicable to all record layouts. The remaining sections contain codes that areapplicable to the individual liability, no-fault and physical damage record layouts.The Statistical Data Quality Program Section of this Plan details the specifics of the Statistical DataQuality Program. The purpose of the Statistical Data Quality Program is to assure the quality andcompleteness of the data reported to CAR. This data is subsequently used for statistical, reinsurance andratemaking functions. The Program is subdivided into two sections. The Statistical Data QualityComponents Section contains CAR’s expectations for reporting quality and timely statistical data, and theStatistical Data Quality Penalties Section contains associated reporting penalties.The Record Layouts Section of this Plan identifies the required record layout format including appropriatefield positions for statistical records reported to CAR. A Commercial Record Layout Modification Keyprecedes the record layouts and identifies the fields to which modifications have been made in prior years.Appendix A of this Plan contains detailed Classification Code and Coverage Code Decision Tables. TheseDecision Tables shall be used to determine whether specific data fields are required for a particularclassification or coverage code.Appendix B of this Plan contains two tables of valid Premium and Accident Town Codes. One table islisted in alphabetical order and the other is listed in numerical order. These towns correspond to the ratingtowns in the Massachusetts Commercial Automobile Insurance Manual.C. EFFECTIVE DATE OF THE PLANThe Massachusetts Commercial Automobile Statistical Plan is applicable to policies with effective dates ofJanuary 1, 1981 and subsequent and contains revisions through the date noted on the cover page of thisPlan. All policies and endorsements to such policies must contain the Statistical Plan coding and must bereported on the record format that was in effect for the particular policy effective year. Refer to theCommercial Automobile Statistical Plan applicable to the particular policy effective year.D. UPDATES TO THE PLANThe Massachusetts Commercial Automobile Statistical Plan, initially published in loose-leaf form, isavailable for viewing or downloading from CAR’s website (www.commauto.com). The current yearversion, as well as prior year versions of the Plan are available. Since the Commercial Statistical Plan isnow available electronically, paper copies of revised pages are no longer distributed to companies.Instead, CAR will publish an Accounting and Statistical Notice to notify companies of the revised pagesand companies will be directed to CAR’s website for further information. The revised pages will beavailable on CAR’s website and will be incorporated in the electronic version of the applicable Plan.The revised pages will be applicable to all new and renewal policies with effective dates on or after thedate indicated in the lower left corner of the reprinted pages. Note that specific revisions will be indicatedby a star ( ) to the left of the line containing the revision. The date in the lower right corner of the pagerepresents the date that the revised page was approved by the Massachusetts Division of Insurance. Anyspecial reporting instructions will be provided to companies via an Accounting and Statistical Noticepublished by CAR.Last Revision Date: 01/01/2003Page: I:2Print Date: 10/10/2002
Massachusetts Commercial AutomobileStatistical PlanPart II - General RulesA. DATA REQUIREMENTSAll premium, paid loss and outstanding loss transactions (both ceded to CAR and voluntarily written) mustbe reported with the accounting month that corresponds to the month in which the transaction was booked.Submissions for a particular accounting month must be received in statistically acceptable condition at theoffices of CAR by the close of business on the established due date. Refer to the Statistical Data QualityProgram Section of the Plan for additional information and potential penalties associated with thisrequirement.1. Reporting ThresholdsWhen the Massachusetts automobile writings of a company which currently does not report statisticaldata to CAR exceeds the established reporting thresholds for statistically reportable coverages,statistical data beginning with that policy effective year must be reported to CAR on a monthly basis.Although the determination of whether a company exceeds the established thresholds is based upon thewritings of an affiliated company group, statistical data must be reported to CAR on an individualcompany basis. Refer to item B. of this section. The thresholds for commercial business are 50,000in written premiums or 25,000 in paid losses. Statistically reportable coverages are those coveragesspecified in the Massachusetts Commercial Automobile Statistical Plan. CAR verifies this data via theinformation recorded on the Exhibit of Premiums and Losses for the state of Massachusetts, which iscontained on Page 15 of a company’s Annual Statement for that calendar year. The reportingthresholds may be subject to yearly adjustments to reflect rate revisions and inflation. Refer to theStatistical Data Quality Components Section of Part VII – Statistical Data Quality Program for specificinformation on shipment reporting dates.However, if a company cedes any business to CAR (refer to item C. of this section), then statistical datafor all of the company’s business, both ceded and voluntarily written, must be reported to CAR. Thisdata must be reported regardless of whether the company’s writings are below the reporting thresholdsnoted above.2. Low Volume CompaniesSubject to CAR’s approval, small companies may be permitted to report statistical data to CAR on aquarterly basis, rather than monthly. Companies or company groups that write less than 500,000 inwritten premiums and less than 500,000 in paid losses for statistically reportable coverages will beconsidered eligible for quarterly statistical reporting and are referred to as low volume companies.CAR verifies a company’s volume of writings via the data recorded on the company’s MassachusettsAnnual Statement Page 15 for the most recent calendar year. Refer to Part VII - Statistical DataQuality Program for additional information and potential reporting penalties applicable to low volumecompanies.Last Revision Date: 01/01/2004Page: II:1Print Date: 02/10/2004
Massachusetts Commercial AutomobileStatistical PlanPart II - General RulesA. DATA REQUIREMENTS (Continued)3. Companies in a Run-Off PositionCompanies in a run-off position that have stopped writing Massachusetts automobile business mustcontinue to statistically report run-off premium, paid loss and outstanding loss activity on all cededpolicies. Statistical data must continue to be reported until all ceded premium has been reported andall ceded losses have been paid or closed without payment or CAR has closed-out the ceded premiumand/or loss statistical reporting for the particular policy effective year. Additionally, companies in arun-off position must continue to report statistical data for voluntarily written business, but only untiltheir total written premiums and paid losses (both voluntary and ceded combined) are less than thereporting thresholds noted above.4. Reconciliation of Massachusetts Annual Statement DataIn addition to the above statistical reporting requirements, all companies that are licensed to writeautomobile insurance in the state of Massachusetts are required to submit an electronic copy of theirNAIC Annual Statement filings to CAR on a yearly basis. Additionally, for each of the other threecalendar quarters, companies must submit Massachusetts Annual Statement data via CAR’s on-lineAnnual Statement Reconciliation System. This data must be submitted to CAR even if the companyhas no actual writings. On a quarterly basis, CAR reconciles a company’s Massachusetts AnnualStatement data to the data that the company has statistically reported to CAR. The reconciliationprocess is performed to verify the accuracy and completeness of the database utilized for statistical,ratemaking and reinsurance purposes.Specific information regarding the submission ofMassachusetts Annual Statement data is detailed in a quarterly Accounting and Statistical Noticedistributed by CAR and in the Technical User Guide for CAR’s Online Annual StatementReconciliation System. Refer to the Statistical Data Quality Program Section of this Plan foradditional information and potential reporting penalties associated with the Massachusetts AnnualStatement process.5. Filing of Massachusetts Automobile Insurance Expense CallAdditionally, on an annual basis, each member of CAR is required to file a calendar yearMassachusetts Automobile Insurance Expense Call. The Expense Call identifies expenses for thefollowing general categories: Loss Adjustment Expenses, Commissions, Acquisition, FieldSupervision and Collection Expenses, Taxes, Licenses and Fees and General Expenses. The ExpenseCall identifies the portion of total company expenses that are attributable to the cost of transactingautomobile insurance business in Massachusetts. On a yearly basis, CAR distributes an Accountingand Statistical Notice that contains specific instructions relative to the Massachusetts AutomobileInsurance Expense Call. Refer to the Statistical Data Quality Program Section of this Plan foradditional information and potential reporting penalties associated with the Expense Call process.B. REPORTING METHODThe instructions that are set forth in the Reporting Instructions – Premiums and Reporting Instructions –Losses Sections of this Plan refer to records reported to CAR on magnetic tape, tape cartridge, or FileTransfer Protocol (FTP) transmission. To obtain complete and detailed reporting instructions, refer to theCAR Statistical Edit Package that contains Accounting/Statistical Submission Reporting Instructions.Last Revision Date: 01/01/2004Page: II:2Print Date: 02/10/2004
Massachusetts Commercial AutomobileStatistical PlanPart II - General RulesB. REPORTING METHOD (Continued)The following general instructions apply:1. Each premium and loss shall be reported on an individual transaction-by-transaction basis inaccordance with the instructions and codes contained in this Plan.2. Companies are responsible for the completeness and accuracy of their own data. Prior to thesubmission of statistics, the company shall perform an audit of the statistics being reported to detectand correct any error in the assignment of statistical codes contained in the Coding Section of thisPlan.3. All coding must be numeric except for the following fields: Producer Code, Policy IdentificationNumber, Vehicle Identification Number and Company Use fields on premium records and ProducerCode, Policy Identification Number, Claim Identification Number, Vehicle Identification Number andCompany Use fields on loss records. These fields may be reported with any combination ofalphanumeric codes. Fields reserved for future use must be reported with spaces or zero filled.4. For purposes of the Massachusetts Commercial Automobile Statistical Plan, all references to thereporting of spaces in any field will be denoted by an italicized lower case b. For example, in thisPlan, Policy Identification Number 12345 would be denoted by 12345bbbbbbbbbbb (where b denotesa space). In this example, the symbol b indicates that a space would be reported by the company inevery unused position of the Policy Identification Number field.5. Data should be reported to CAR as follows:a. Each submission must be filed on a monthly basis with the exception of outstanding loss records,which should be filed quarterly in the March, June, September and December shipments. Therecords must be submitted in accordance with the Call Schedule that is published annually as anAccounting and Statistical Notice.b. For those companies affiliated with a group, statistical data must be reported to CAR at theindividual company number level, rather than at the group company number level.c. In order to assure that a company’s submission of data for a particular accounting month iscomplete, all premium and paid loss data for each accounting month must be submitted to CAR ina single mailing. However, it is acceptable for quarterly outstanding loss data to be submittedseparately.If a company is not able to consolidate their shipments for mailing to CAR, a request for waiverfrom this requirement must be filed with CAR. If CAR grants a waiver to this requirement, it isnecessary for the company to continue to submit their data shipments to CAR in the same mannerfor each subsequent accounting month.d. Companies that have no statistical data to report to CAR must report a Nil Submission Form. Thisreport will indicate that a company has no premium, paid loss and/or outstanding loss transactionsto report for a specific month.Last Revision Date: 01/01/2002Page: II:3Print Date: 06/27/2001
Massachusetts Commercial AutomobileStatistical PlanPart II - General RulesB. REPORTING METHOD (Continued)5. Data should be reported to CAR as follows (continued):d. Each shipment of statistics must contain several control records that include control and summarytotals relating to the statistics submitted. These totals must be in agreement with the data submittedfor the period covered.e. All reported data must be submitted on the appropriate record format as specified in the RecordLayout Section of this Plan.C. RISKS CEDED TO COMMONWEALTH AUTOMOBILE REINSURERSAll premiums and losses that are associated with risks ceded to Commonwealth Automobile Reinsurersmust be reported to CAR. Premium and loss transactions for such ceded risks must be identified by theappropriate CAR Identification Code specified in the Coding Section of this Plan.CAR’s Plan and Rules of Operation require that the premium on ceded policies be reported at the fullpolicy premium for cedable or total limits, regardless of the date of cession. Although only cedable limitsor coverages will be covered by CAR, the full policy premium must be reported. When the total limitspremium for a policy exceeds CAR’s cedable limits, the portion that exceeds the cedable limit must bereported as a separate record utilizing the special non-cedable Classification Code. This code is identifiedin the Coding Section of this Plan as a Special Rating and Adjustment classification. The record also mustbe reported with the appropriate voluntary business CAR Identification Code. The premium amountreported would be the portion of premium that exceeds the cedable limit.Risks that are initially written as voluntary business, but then ceded to CAR during the policy’s term mustbe ceded as CAR business for the entire policy period. That is, offset and reenter adjustment entries mustbe reported to remove the record as voluntary business and replace it as CAR business, using theappropriate ceded CAR Identification Code and the total premium and exposure for the risk.D. ADJUSTMENTS (ENDORSEMENTS)An adjustment to a previously reported statistical record is made by reporting a complete offset of theoriginal record and a new record that shows the proper (adjusted) statistical codes, exposure and/or dollaramounts. For adjustments (including endorsements) to premium records, the dollar amounts and exposureof the original and offsetting records must net to zero. For adjustment to loss records, the dollar amountand claim count of the original and offsetting records must net to zero.For additional explanation and examples regarding the method for reporting adjustments or endorsementson premium records, refer to Section A – Premiums of the General Reporting Requirements Section of thisPlan.E. REINSURANCE – OTHER THAN CARExperience is to be reported on direct business only. Therefore, the reports of experience shall not includepremiums received from or losses paid to other companies on account of reinsurance assumed by thereporting company, nor shall any deductions be made by the reporting company for reinsured premiums orfor losses recovered from other companies on account of reinsurance.Last Revision Date: 01/01/2000Page: II:4Print Date: 01/01/2000
Massachusetts Commercial AutomobileStatistical PlanPart III - General Reporting RequirementsSection A – Premiums1.REPORTING OF PREMIUMSA separate premium record must be reported for each unique set of data elements contained in this Plan.Premiums are reported on statistical records by coverage (liability, personal injury protection (PIP) or nofault, and physical damage). All bodily injury liability premium records must contain the combinedpremium of each separately developed bodily injury liability premium (i.e. compulsory bodily injury,optional bodily injury, medical payments, underinsured motorists and uninsured motorists). All otherpremium records (property damage liability, PIP (no-fault), other than collision and collision) shouldcontain the individually developed premium.Companies have the option to report combined bodily injury liability premiums apart from propertydamage liability premiums, on separate statistical records. Similarly, other than collision and collisionpremiums may be reported on separate statistical records if desired.Premium adjustments due to the application of Retrospective Rating Plan D must be reported on separatestatistical records using the applicable Classification Code and Coverage Code. Retrospective RatingPlans are available for use on voluntary policies only.2.SINGLE LIMIT POLICIESSingle limit policies with separate premiums for bodily injury and property damage shall be reported usingthe appropriate Limits Identifier Code.When reporting the bodily injury and property damage premium on one record, the combined single limitcode shall be reported in the Bodily Injury Limits Code field with spaces or zeros in the Property DamageLimits Code field. Note also that if a property damage deductible has been offered, Property DamageLimits Code 08 may also be reported in the Property Damage Limits Code field. The corresponding bodilyinjury and property damage portions of the premium as determined by the single limit calculation shallthen be reported in the appropriate Bodily Injury Premium Amount or Property Damage Premium Amountfield.When reporting bodily injury and property damage premium on two separate records, the records shall bereported in the following manner:a. For the bodily injury record, the limit code shall be reported in the Bodily Injury Limits Code field withspaces or zeros in the Property Damage Limits field. The bodily injury portion of the premium asdetermined by the single limit calculation, shall be reported in the Bodily Injury Premium field withspaces or zeros in the Property Damage Premium field.b. For the property damage record, the combined single limit code shall be reported in the Bodily InjuryLimits field with spaces or zeros or Property Damage Limits Code 08 (indicating the existence of aproperty damage deductible) in the Property Damage Limits field. The Property Damage portion of thepremium as determined by the single limit calculation, shall be reported in the Property DamagePremium field with spaces or zeros in the Bodily Injury Premium field.For additional information relative to the single limit calculation, refer to the Massachusetts CommercialAutomobile Insurance Manual.Last Revision Date: 01/01/2005Page: III:1Print Date: 09/06/2005
Massachusetts Commercial AutomobileStatistical PlanPart III - General Reporting RequirementsSection A – Premiums3.REPORTING OF EXPOSUREExposure is required as outlined in the Coding Section of this Plan. Exposure must be separately reportedfor each of the subdivisions of experience for which separate classification codes and exposure basis areshown. If the Classification and Coverage Code Decision Tables contained in Appendix A of this Planindicate that exposure is not required for certain classification codes or coverage codes, then spaces orzeros must be reported in the Exposure field.Refer to the Reporting Instructions and Coding Sections of this Plan for further instructions regarding thereporting of exposure.4.CHANGES IN COVERAGE BY ENDORSEMENTa. Endorsements Effective as of the Policy Effective DateAll original records affected by the change in coverage must be offset and new records must bereported with the revised codes. On the new records, all codes not impacted by the change in coverageshall remain the same. Both the offset and reenter records must be fully coded. The TransactionEffective Date should always equal the Policy Effective Date on the offset and reenter records.The following is an example of liability endorsement records that would be reported to CAR due to achange in liability limits. The rate calculation would be affected, as indicated by the followingpremium 00Pol-ExpDate06-0106-0106-01Exp 12-12 12BIPremium 527- 527 812PDPremium 190- 190 289BILimit070709PDLimit010107b. Endorsements Effective Subsequent to the Policy Effective DateAll original records affected by the change must be offset to cancel the unearned premium andexposure. New records must be reported with the to-be-earned premium and exposure for the endorsedcoverage and the revised codes. On the new records, all codes not impacted by the change in coverageshall remain the same. Both the offset and reenter records must be fully coded. The TransactionEffective Date on the offset and reenter records should be the effective date of the endorsement.The following is an example of physical damage endorsement records that would be reported to CARdue to a change in vehicle subsequent to the effective fDate06-0006-0006-00Last Revision Date: 106-0106-01Exp 12-6 6Page: III:2OTCPrem 72- 36 88CollPrem 250- 125 H450117Print Date: 01/01/2000
Massachusetts Commercial AutomobileStatistical PlanPart III - General Reporting RequirementsSection A – Premiums4.CHANGES IN COVERAGE BY ENDORSEMENT (Continued)b. Endorsements Effective Subsequent to the Policy Effective Date (Continued)Changes by endorsement may be statistically reported on a coverage basis. For example, if the changeis only for the bodily injury coverage, it is not necessary to include the corresponding property damagecoverage information on the statistical record. However, any change to bodily injury premium mustreflect the compulsory bodily injury, optional bodily injury, medical payments, uninsured motorists andunderinsured motorist premiums, even if the change is limited to only one or some of the bodily injurycoverages.5. CANCELLATION OF PREMIUMSWhen canceling premiums for a policy, all affected records must be individually offset (i.e. record byrecord) with the appropriate Transaction Type Code included on the cancellation record.a. Flat CancellationFor detailed information regarding flat cancellations, refer to the Commercial Automobile InsuranceManual. For a flat cancellation, the entry must be identical to the original entry except,i. The Exposure and Premium field(s) shall be shown as a creditii. The Accounting Date shall be the month and year that the company booked the cancellationiii. The Transaction Type Code shall be -ExpDate01-0101-01Exp 12-12BIPremium 828- 828PDPremium 317- 317b. Pro Rata CancellationFor detailed information regarding pro rata cancellations, refer to the Massachusetts CommercialAutomobile Insurance Manual. For a pro rata cancellation, the entry must be identical to the originalentry except,i.ii.ii
Massachusetts Commercial Automobile Statistical Plan Containing the Instructions and Codes Applicable to the Vehicles Rated in the Massachusetts Commercial Automobile Insurance Manual Printed and Distributed by Commonwealth Automobile Reinsurers 101 Arch Street, Boston, MA 02110 (617) 338-4000 FAX: (617) 338-5422 www.commauto.com
1 Olive Hill, KY Mechanic 1930 Automobile 1 Owensboro, KY Car Washer 1930 Automobile 1 Owensboro, KY Mechanic 1930 Automobile 2 Owensboro, KY Mechanic 1920 Automobile 1 Owensboro, KY Tire Repairman 1930 Automobile Tire Company 1 Paducah, KY Machinist 1920 Automobile Garage 1 Paducah, KY Mechanic 1930 Automobile 1 Paducah, KY Structure Work 1920 .
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