Midwest Family Mutual Automobile Underwriting Guidelines

Company	Midwest Family Mutual	Company	Midwest Family Mutual	Company	Midwest Family Mutual
Program	Ultra-Elite - Tiers can be split	Program	Elite - Tiers can be split	Program	Standard - Tiers can be split
Credit Score/Financial	Superior - no bankruptcy, judgements, collections, or liens ever	Credit Score/Financial	Excellent - no bankruptcy, judgements, collections, or liens in the past 7 years	Credit Score/Financial	Very Good - no bankruptcy, judgements, collections, or liens in the past 5 years
Prior Insurance		Prior Insurance		Prior Insurance
Prior Carrier	Prior coverage in standard market for past 12 months	Prior Carrier	Prior coverage in standard market for past 12 months	Prior Carrier	Prior coverage in standard market for past 12 months
Lapse of Prior Coverage	No lapse of coverage permitted	Lapse of Prior Coverage	No lapse of coverage permitted	Lapse of Prior Coverage	No lapse of coverage permitted
Drivers		Drivers		Drivers
Driver Age	Age 25 to 65 - 9 years experience	Driver Age	Age 21 to 70 - 5 years experience	Driver Age	Age 21 to 75 - 5 years experience
Children’s Age	All children under 25 rated in standard program - parents in Ultra-Elite	Children’s Age	All children under 21 rated in standard program - parents in Elite	Children’s Age	14 to 25
Physical Impairments	Nothing that hinders driving - Submit only for all	Physical Impairments	Nothing that hinders driving - Submit only for all	Physical Impairments	Nothing that hinders driving - Submit only for all
Room Mates Information	Include boyfriends & girlfriends driver information. Not rated on policy.	Room Mates Information	Include boyfriends & girlfriends driver information. Not rated on policy.	Room Mates Information	Include boyfriends & girlfriends driver information. Not rated on policy.
Are Excluded Drivers Allowed	No	Are Excluded Drivers Allowed	No	Are Excluded Drivers Allowed	No
Other Driver Items	2 years prior stable residency…..Required stable and continuous employment All children must be listed if they have a learners permit	Other Driver Items	1 year prior stable residency…..Required stable and continuous employment All children must be listed if they have a learners permit	Other Driver Items	2 years prior stable residency…..Required stable and continuous employment All children must be listed if they have a learners permit
Driving Record/Losses		Driving Record/Losses		Driving Record/Losses
Record Experience Period	5 years - Surcharge apply to 5 years	Record Experience Period	5 years - Surcharge apply to 5 years	Record Experience Period	5 years - Surcharge apply to 5 years
At Fault Accidents per Person	0 in 5 years	At Fault Accidents per Person	0 in 2 years - 1 in years 3,4,5	At Fault Accidents per Person	1 in 3 years
At Fault Accidents per Policy	0 in 5 years	At Fault Accidents per Policy	0 in 2 years - 1 in years 3,4,5	At Fault Accidents per Policy	1 in 3 years
No Fault Accidents per Person	0 in 5 years	No Fault Accidents per Person	0 in 2 years - 1 in years 3,4,5	No Fault Accidents per Person	2 with proof
No Fault Accidents per Policy	0 in 5 years	No Fault Accidents per Policy	0 in 2 years - 1 in years 3,4,5	No Fault Accidents per Policy	2 with proof
Minor Convictions per Person	0 in 5 years	Minor Convictions per Person	0 in 2 years - 2 in years 3,4,5 if no accident	Minor Convictions per Person	2 in 3 years if no at fault accident
Minor Convictions per Policy	0 in 5 years	Minor Convictions per Policy	NA	Minor Convictions per Policy	NA
Maximum Incidents per Person	0	Maximum Incidents per Person	0 in 2 years - 2 in years 3,4,5	Maximum Incidents per Person	2 in 3 years
Maximum Incidents per Policy	0	Maximum Incidents per Policy	NA	Maximum Incidents per Policy	NA
At Fault Accident with Ticket	0 permitted - Same as at fault by itself unless major violation	At Fault Accident with Ticket	1 permitted - Same as at fault by itself unless major violation	At Fault Accident with Ticket	1 permitted - Same as at fault by itself unless major violation
Major Convictions	0 ever……includes DWI, Reckless, Speed 20 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing	Major Convictions	0 for 5 years……includes DWI, Reckless, Speed 20 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing	Major Convictions	0 for 4 years……includes DWI, Reckless, Speed 20 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing……….Surcharges still apply for year 5.
Window Chip Comp Losses	2 or 3 are OK if no other losses	Window Chip Comp Losses	2 or 3 are OK if no other losses	Window Chip Comp Losses	2 or 3 are OK if no other losses
Other Comp Losses	1 OK if under $1000	Other Comp Losses	1 under $1000 year 1&2 Another OK in year 3&4&5	Other Comp Losses	1 OK in 3 years
No Fault Collision Losses	treat as a no fault accident	No Fault Collision Losses	treat as a no fault accident	No Fault Collision Losses	treat as a no fault accident
At Fault Accident Surcharge	.75 factor for accident $1000 or under…1.5 factor for accident over $1000	At Fault Accident Surcharge	.75 factor for accident $1000 or under…1.5 factor for accident over $1000	At Fault Accident Surcharge	.75 factor for accident $1000 or under…1.5 factor for accident over $1000
Other Records/Loss Items	Merit rating plan is used….. .5 factor for no fault accident $1000 or under…….75 factor for no fault accident over $1000…….5 factor for minor violation. 1.5 total points per person has a 0 point surcharge. If there was an accident on your policy for a person you gave permission to drive - That accident is considered your accident for rating purposes.	Other Records/Loss Items	Merit rating plan is used….. .5 factor for no fault accident $1000 or under…….75 factor for no fault accident over $1000…….5 factor for minor violation. 1.5 total points per person has a 0 point surcharge. 2.5 total points per person has a 1 point surcharge worth 20% for car driven. Over 2.5 points is not qualified. If there was an accident on your policy for a person you gave permission to drive - That accident is considered your accident for rating purposes.	Other Records/Loss Items	Merit rating plan is used….. .5 factor for no fault accident $1000 or under…….75 factor for no fault accident over $1000…….5 factor for minor violation. 1.5 total points per person has a 0 point surcharge. If there was an accident on your policy for a person you gave permission to drive - That accident is considered your accident for rating purposes.
Vehicle Rating Items		Vehicle Rating Items		Vehicle Rating Items
Number of Vehicles	2 or more	Number of Vehicles	1 or more	Number of Vehicles	1 or more
Vehicle Age Limitations	2 vehicles 9 years and newer	Vehicle Age Limitations	1 vehicle 14 years and newer	Vehicle Age Limitations	1 vehicle 14 years and newer
Coverage Requirements	2 vehicles with full coverage 50/100 minimum liability	Coverage Requirements	1 vehicle with full coverage 50/100 minimum liability	Coverage Requirements	None
Business Use Allowed	No	Business Use Allowed	No	Business Use Allowed	Yes - with rating factor/class
Contractor Use Allowed	No	Contractor Use Allowed	No	Contractor Use Allowed	No
One Ton Pickup Allowed	No	One Ton Pickup Allowed	No	One Ton Pickup Allowed	No
Limit on Miles to Work	No limit	Limit on Miles to Work	No limit	Limit on Miles to Work	No limit
Limit on Annual Mileage	No limit	Limit on Annual Mileage	No limit	Limit on Annual Mileage	No limit
Other Vehicle Rating Items		Other Vehicle Rating Items		Other Vehicle Rating Items
Other Rating Items		Other Rating Items		Other Rating Items
Coverage Limit Rating Items		Coverage Limit Rating Items		Coverage Limit Rating Items
Miles to Work Rating Criteria	1 or 2; 3 to 14; 15 and over	Miles to Work Rating Criteria	1 or 2; 3 to 14; 15 and over	Miles to Work Rating Criteria	1 or 2; 3 to 14; 15 and over
U S Citizen Requirement	No	U S Citizen Requirement	No	U S Citizen Requirement	No
Supporting Policy Requirement	Yes - requires HO3 or HO6	Supporting Policy Requirement	No	Supporting Policy Requirement	No
Other Rating Items		Other Rating Items		Other Rating Items
Discount-Surcharges		Discount-Surcharges		Discount-Surcharges
Homeowners Package Discount	Yes - 5% with HO3 or HO6	Homeowners Package Discount	Yes - 5% with HO3 or HO6	Homeowners Package Discount	Yes - 5% with HO3 or HO6
Home Ownership Discount	No	Home Ownership Discount	No	Home Ownership Discount	No
Multi Car Discount	Yes	Multi Car Discount	Yes	Multi Car Discount	Yes
Claim Free Discount	Yes - 5% claim free 1 to 2 years….10% claim free 2 to 3 years….15% claim free 3 or more years…….1 comp loss less than $1000 doesn't effect claim free discount. 2 losses of any kind in the past 3 year period take all claim free discount away.	Claim Free Discount	Yes - 5% claim free 1 to 2 years….10% claim free 2 to 3 years….15% claim free 3 or more years…….1 comp loss less than $1000 doesn't effect claim free discount. 2 losses of any kind in the past 3 year period take all claim free discount away.	Claim Free Discount	Yes - 5% claim free 1 to 2 years….10% claim free 2 to 3 years….15% claim free 3 or more years…….1 comp loss less than $1000 doesn't effect claim free discount. 2 losses of any kind in the past 3 year period take all claim free discount away.
Good Student Discount	Yes - age 15-24 full time student with B average or better - requires proof	Good Student Discount	Yes - age 15-24 full time student with B average or better - requires proof	Good Student Discount	Yes - age 15-24 full time student with B average or better - requires proof
Drivers Training Discount		Drivers Training Discount		Drivers Training Discount
Air Bags Discount	Yes - 30% discount on med pay for 2 air bags	Air Bags Discount	Yes - 30% discount on med pay for 2 air bags	Air Bags Discount	Yes - 30% discount on med pay for 2 air bags
Anti-lock Brakes Discount	Yes - 5% discount liablity & collision	Anti-lock Brakes Discount	Yes - 5% discount liablity & collision	Anti-lock Brakes Discount	Yes - 5% discount liablity & collision
Passive Sec Alarm Discount	Yes - 5% comp discount - disables the fuel, ignition or starting system	Passive Sec Alarm Discount	Yes - 5% comp discount - disables the fuel, ignition or starting system	Passive Sec Alarm Discount	Yes - 5% comp discount - disables the fuel, ignition or starting system
Active Sec Alarm Discount	Yes - 5% comp discount - alarm only - same discount as passive	Active Sec Alarm Discount	Yes - 5% comp discount - alarm only - same discount as passive	Active Sec Alarm Discount	Yes - 5% comp discount - alarm only - same discount as passive
Other Discounts & Surcharges	Prime rate disount applies when 1) Elite or Ultra Elite 2) Package Discount 3) Multi-car discount 4) Claim-Free discount of any kind (1 comp under $1000 ok). If all 4 then 10%. If 3 out of 4 then 5%…………..Extra car discount is 25% to lowest premium vehicle if the number of cars excede the number of drivers. (if unlicensed age 15 & up person exists, this is not applicable)…………Senior operator Acc Prevention course 10% for driver - course must be within 36 months.	Other Discounts & Surcharges	Prime rate disount applies when 1) Elite or Ultra Elite 2) Package Discount 3) Multi-car discount 4) Claim-Free discount of any kind (1 comp under $1000 ok). If all 4 then 10%. If 3 out of 4 then 5%…………..Extra car discount is 25% to lowest premium vehicle if the number of cars excede the number of drivers. (if unlicensed age 15 & up person exists, this is not applicable)…………Senior operator Acc Prevention course 10% for driver - course must be within 36 months.	Other Discounts & Surcharges	Prime rate disount applies when 1) Elite or Ultra Elite 2) Package Discount 3) Multi-car discount 4) Claim-Free discount of any kind (1 comp under $1000 ok). If all 4 then 10%. If 3 out of 4 then 5%…………..Extra car discount is 25% to lowest premium vehicle if the number of cars excede the number of drivers. (if unlicensed age 15 & up person exists, this is not applicable)…………Senior operator Acc Prevention course 10% for driver - course must be within 36 months.
Vehicles		Vehicles		Vehicles
Unacceptable Vehicles	No performance rated vehicles. No value over $60,000	Unacceptable Vehicles	No Sports car or Sports premium performance rating. No value over $60,000.	Unacceptable Vehicles	None - Performance vehicles get surcharged
Restricted Vehicles	None - Everything is acceptable or not acceptable.	Restricted Vehicles	None - Everything is acceptable or not acceptable.	Restricted Vehicles	None - Performance vehicles get surcharged
Motor Home Rating	No - Cannot write a motor home	Motor Home Rating	No - Cannot write a motor home	Motor Home Rating	No - Cannot write a motor home
Travel Trailer Rating	Yes - Get current value - 6 mo rate is .0058 on comp & .0062 on collision - $100 deductible comp and $250 deductible collision. No other deductibles	Travel Trailer Rating	Yes - Get current value - 6 mo rate is .0058 on comp & .0062 on collision - $100 deductible comp and $250 deductible collision. No other deductibles	Travel Trailer Rating	Yes - Get current value - 6 mo rate is .0058 on comp & .0062 on collision - $100 deductible comp and $250 deductible collision. No other deductibles
Other Trailer Rating	Yes - Get current value - 6 mo rate is .0058 on comp & .0062 on collision - $100 deductible comp and $250 deductible collision. No other deductibles	Other Trailer Rating	Yes - Get current value - 6 mo rate is .0058 on comp & .0062 on collision - $100 deductible comp and $250 deductible collision. No other deductibles	Other Trailer Rating	Yes - Get current value - 6 mo rate is .0058 on comp & .0062 on collision - $100 deductible comp and $250 deductible collision. No other deductibles
Conversion Van Rating	Determine price new of van plus the conversion package. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating.	Conversion Van Rating	Determine price new of van plus the conversion package. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating.	Conversion Van Rating	Determine price new of van plus the conversion package. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating.
Pickup Topper Rating	Determine price new of pickup and topper. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating.	Pickup Topper Rating	Determine price new of pickup and topper. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating.	Pickup Topper Rating	Determine price new of pickup and topper. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating.
Other Vehicle Items		Other Vehicle Items		Other Vehicle Items
Policy Term/Payments		Policy Term/Payments		Policy Term/Payments
Policy Term	12 months - if children in Standard - still 12 mo	Policy Term	12 months - if children in Standard - still 12 mo	Policy Term	6 months - if parents elite or ultra - then 12 mo
Billed Payments Available	Annual payment - no fees……equal 6 month payments 50% each plus $6 fee on second payment…...40% down & 3 equal payments plus $6 fee on each - no fee on initial downpayment……25% down and balance billed in 10 monthly installemtns - $6 fee on billed payments - no fee on initial downpayment	Billed Payments Available	Annual payment - no fees……equal 6 month payments 50% each plus $6 fee on second payment…...40% down & 3 equal payments plus $6 fee on each - no fee on initial downpayment……25% down and balance billed in 10 monthly installemtns - $6 fee on billed payments - no fee on initial downpayment	Billed Payments Available	Paid in full for 6 months - no fees…… 2 equal payments 50% each plus $6 fee on second payment…...40% down & 3 equal monthly payments plus $6 fee on each - no fee on initial downpayment
EFT Payments Available		EFT Payments Available		EFT Payments Available
Credit Card Payment Available	No	Credit Card Payment Available	No	Credit Card Payment Available	No
App Binding Requirement	Application sent in within 24 hours of the effective date	App Binding Requirement	Application sent in within 24 hours of the effective date	App Binding Requirement	Application sent in within 24 hours of the effective date
Claim Reporting Procedure	Agent completes claim report - fax to company at 1-952-417-7075	Claim Reporting Procedure	Agent completes claim report - fax to company at 1-952-417-7075	Claim Reporting Procedure	Agent completes claim report - fax to company at 1-952-417-7075

Company

Company

Company

Program

Program

Program

Credit Score/Financial

Credit Score/Financial

Credit Score/Financial

Prior Insurance

Prior Insurance

Prior Insurance

Drivers

Drivers

Drivers

Driving Record/Losses

Driving Record/Losses

Driving Record/Losses

Vehicle Rating Items

Vehicle Rating Items

Vehicle Rating Items

Other Rating Items

Other Rating Items

Other Rating Items

Discount-Surcharges

Discount-Surcharges

Discount-Surcharges

Vehicles

Vehicles

Vehicles

Policy Term/Payments

Policy Term/Payments

Policy Term/Payments