Company |
OPAC |
Company |
OPAC |
Company |
OPAC |
Program |
Ultra |
Program |
Select - Tiers can be split |
Program |
Elite - Tiers can be split |
Credit Score/Financial |
600 Credit Score |
Credit Score/Financial |
600 Credit Score |
Credit Score/Financial |
600 Credit Score |
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 70 (call 70-74) |
Driver Age |
Age 25 to 70 (call 70-74) |
Driver Age |
Age 25 to 70 (call 70-74) |
|
Children’s Age |
No children under 25 - cannot put children in other tier |
Children’s Age |
Any age - drivers under 20 must have 100% clean records |
Children’s Age |
Any age - drivers under 19 must have 100% clean records |
|
Physical Impairments |
Submit only for all |
Physical Impairments |
Submit only for all |
Physical Impairments |
Submit only for all |
|
Room Mates Information |
All people and vehicles need to be insured with OPAC |
Room Mates Information |
All people and vehicles need to be insured with OPAC |
Room Mates Information |
All people and vehicles need to be insured with OPAC |
|
Are Excluded Drivers Allowed |
No - With underwriter approval in very few cases |
Are Excluded Drivers Allowed |
No - With underwriter approval in very few cases |
Are Excluded Drivers Allowed |
No - With underwriter approval in very few cases |
|
Other Driver Items |
Should have 2 years at current employment and 2 years at current address. Less than 2 years at address is ok if they own their own house. |
Other Driver Items |
Should have 2 years at current employment and 2 years at current address. Less than 2 years at address is ok if they own their own house. |
Other Driver Items |
Should have 2 years at current employment and 2 years at current address. Less than 2 years at address is ok if they own their own house. |
Driving Record/Losses |
|
Driving Record/Losses |
|
Driving Record/Losses |
|
|
Record Experience Period |
3 years |
Record Experience Period |
3 years |
Record Experience Period |
3 years |
|
At Fault Accidents per Person |
0 |
At Fault Accidents per Person |
0 |
At Fault Accidents per Person |
1=1.00…. 1.00 Maximum |
|
At Fault Accidents per Policy |
0 |
At Fault Accidents per Policy |
0 unless driver is rated in elite tier |
At Fault Accidents per Policy |
1=1.00…. 1.50 Maximum |
|
No Fault Accidents per Person |
0 |
No Fault Accidents per Person |
1=.50…. .50 Maximum |
No Fault Accidents per Person |
1=.50…. 1.00 Maximum |
|
No Fault Accidents per Policy |
0 |
No Fault Accidents per Policy |
1=.50 1.00 Maximum |
No Fault Accidents per Policy |
1=.50…. 1.50 Maximum |
|
Minor Convictions per Person |
0 |
Minor Convictions per Person |
1=.50…. .50 Maximum |
Minor Convictions per Person |
1-.50…. 1.00 Maximum |
|
Minor Convictions per Policy |
0 |
Minor Convictions per Policy |
1=.50 1.00 Maximum |
Minor Convictions per Policy |
1=.50…. 1.50 Maximum |
|
Maximum Incidents per Person |
0 |
Maximum Incidents per Person |
.50 Points Maximum |
Maximum Incidents per Person |
1.00 points Maximum |
|
Maximum Incidents per Policy |
0 |
Maximum Incidents per Policy |
1.00 Points Maximum |
Maximum Incidents per Policy |
1.50 Maximum |
|
At Fault Accident with Ticket |
0 permitted - Same as at fault by itself unless major violation |
At Fault Accident with Ticket |
0 permitted - Same as at fault by itself unless major violation |
At Fault Accident with Ticket |
1=1.00 - Same as at fault by itself unless major violation |
|
Major Convictions |
0 in 3 years….includes DWI, Reckless, Speed 15 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing |
Major Convictions |
0 in 3 years….includes DWI, Reckless, Speed 15 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing |
Major Convictions |
0 in 3 years….includes DWI, Reckless, Speed 15 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing |
|
Window Chip Comp Losses |
included in other comp losses |
Window Chip Comp Losses |
included in other comp losses |
Window Chip Comp Losses |
included in other comp losses |
|
Other Comp Losses |
2 OK if only 1 is over $250 |
Other Comp Losses |
3 OK if only 1 is over $250 |
Other Comp Losses |
4 OK if only 1 are over $250 |
|
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 |
2 points if over $1000, 2 points if 2 accidents under $1000 |
At Fault Accident Surcharge |
2 points if over $1000, 2 points if 2 accidents each under $1000 |
At Fault Accident Surcharge |
2 points surch if over $1000, 2 points surch if 2 accidents under $1000 |
|
Other Records/Loss Items |
|
Other Records/Loss Items |
|
Other Records/Loss Items |
|
Vehicle Rating Items |
|
Vehicle Rating Items |
|
Vehicle Rating Items |
|
|
Number of Vehicles |
1 or more |
Number of Vehicles |
1 or more |
Number of Vehicles |
1 or more |
|
Vehicle Age Limitations |
1 vehicle 8 years and newer |
Vehicle Age Limitations |
1 vehicle 10 years and newer |
Vehicle Age Limitations |
1 vehicle 10 years and newer |
|
Coverage Requirements |
100/300/100 minimum liability |
Coverage Requirements |
50/100/50 minimum liability |
Coverage Requirements |
|
|
Business Use Allowed |
Yes - Salesman type use only |
Business Use Allowed |
Yes - Salesman type use only |
Business Use Allowed |
Yes - Salesman type use only |
|
Contractor Use Allowed |
No |
Contractor Use Allowed |
No |
Contractor Use Allowed |
No |
|
One Ton Pickup Allowed |
Yes - if not used for business |
One Ton Pickup Allowed |
Yes - if not used for business |
One Ton Pickup Allowed |
Yes - if not used for business |
|
Limit on Miles to Work |
up to 30 miles one way |
Limit on Miles to Work |
up to 30 miles one way |
Limit on Miles to Work |
up to 30 miles one way |
|
Limit on Annual Mileage |
7500 & Under is one class -Maximum of 30,000 annual per car |
Limit on Annual Mileage |
7500 & Under is one class -Maximum of 30,000 annual per car |
Limit on Annual Mileage |
7500 & Under is one class -Maximum of 30,000 annual per car |
|
Other Vehicle Rating Items |
Full Coverage over 10 needs 2 photos |
Other Vehicle Rating Items |
|
Other Vehicle Rating Items |
|
Other Rating Items |
|
Other Rating Items |
|
Other Rating Items |
|
|
Coverage Limit Rating Items |
Full coverage on vehicles over 10 years requires 2 photos, any insured vehcile over 25 years old requires 1 photo...No vehcile with full coverage can be parked every night on the street - must be garage, driveway, or parking lot |
Coverage Limit Rating Items |
Full coverage on vehicles over 10 years requires 2 photos, any insured vehcile over 25 years old requires 1 photo. No vehcile with full coverage can be parked every night on the street - must be garage, driveway, or parking lot |
Coverage Limit Rating Items |
Full coverage on vehicles over 10 years requires 2 photos, any insured vehcile over 25 years old requires 1 photo….No vehcile with full coverage can be parked every night on the street - must be garage, driveway, or parking lot |
|
Miles to Work Rating Criteria |
1 or 2; 3 to 9; 10 and over |
Miles to Work Rating Criteria |
1 or 2; 3 to 9; 10 and over |
Miles to Work Rating Criteria |
1 or 2; 3 to 9; 10 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 |
Yes - requires HO3 or HO6 |
|
Other Rating Items |
57106 & 57108 in Lincoln County is Territory 40 |
Other Rating Items |
57106 & 57108 in Lincoln County is Territory 40 |
Other Rating Items |
57106 & 57108 in Lincoln County is Territory 40 |
Discount-Surcharges |
|
Discount-Surcharges |
|
Discount-Surcharges |
|
|
Homeowners Package Discount |
Yes -10% with HO3 or HO6 - for other tiers 5% with HO4 |
Homeowners Package Discount |
Yes -10% with HO3 or HO6 - 5% with HO4 |
Homeowners Package Discount |
Yes -10% with HO3 or HO6 - 5% with HO4 |
|
Home Ownership Discount |
No |
Home Ownership Discount |
No |
Home Ownership Discount |
No |
|
Multi Car Discount |
Yes - ??%….Single car policy qualifies if one driver also has a company car for personal use |
Multi Car Discount |
Yes - ??%….Single car policy qualifies if one driver also has a company car for personal use |
Multi Car Discount |
Yes - ??%….Single car policy qualifies if one driver also has a company car for personal use |
|
Claim Free Discount |
No |
Claim Free Discount |
No |
Claim Free Discount |
No |
|
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 |
Yes - 15 to 21 - certificate signed by school official |
Drivers Training Discount |
Yes - 15 to 21 - certificate signed by school official |
Drivers Training Discount |
Yes - 15 to 21 - certificate signed by school official |
|
Air Bags Discount |
No |
Air Bags Discount |
No |
Air Bags Discount |
No |
|
Anti-lock Brakes Discount |
No |
Anti-lock Brakes Discount |
No |
Anti-lock Brakes Discount |
No |
|
Passive Sec Alarm Discount |
Yes - ??% comp discount |
Passive Sec Alarm Discount |
Yes - ??% comp discount |
Passive Sec Alarm Discount |
Yes - ??% comp discount |
|
Active Sec Alarm Discount |
Yes - ??% comp discount |
Active Sec Alarm Discount |
Yes - ??% comp discount |
Active Sec Alarm Discount |
Yes - ??% comp discount |
|
Other Discounts & Surcharges |
Driver age 55 or older - senior operator discount 10% on BI,PD,Collision. (must have completed the safety course within 36 months and have certificate and be accident free) |
Other Discounts & Surcharges |
Driver age 55 or older - senior operator discount 10% on BI,PD,Collision. (must have completed the safety course within 36 months and have certificate and be accident free) |
Other Discounts & Surcharges |
Driver age 55 or older - senior operator discount 10% on BI,PD,Collision. (must have completed the safety course within 36 months and have certificate and be accident free) |
Vehicles |
|
Vehicles |
|
Vehicles |
|
|
Unacceptable Vehicles |
No value over $70,000; Hummer; Aston martin; Austin Healey; Bentley; Dodge Viper; Ferrari; Jeep CJ Series and Wrangler; Jensen Healey, Lamborgini; Lous; Maseratti; Pantera; Rolls Royce; Subaru Brat; Sunbeam Tiger; Suzuki Samurai and Sidekick. (If an exception is made drivers must be age 25 or more) |
Unacceptable Vehicles |
No value over $70,000; Hummer; Aston martin; Austin Healey; Bentley; Dodge Viper; Ferrari; Jeep CJ Series and Wrangler; Jensen Healey, Lamborgini; Lous; Maseratti; Pantera; Rolls Royce; Subaru Brat; Sunbeam Tiger; Suzuki Samurai and Sidekick. (If an exception is made drivers must be age 25 or more) |
Unacceptable Vehicles |
No value over $70,000; Hummer; Aston martin; Austin Healey; Bentley; Dodge Viper; Ferrari; Jeep CJ Series and Wrangler; Jensen Healey, Lamborgini; Lous; Maseratti; Pantera; Rolls Royce; Subaru Brat; Sunbeam Tiger; Suzuki Samurai and Sidekick. (If an exception is made drivers must be age 25 or more) |
|
Restricted Vehicles |
ISO performance h, s & p for 2001 and prior years; 2,3 & 4 for 2002 and later - All operators must be 25 years old and 9 years experience |
Restricted Vehicles |
ISO performance h, s & p for 2001 and prior years; 2,3 & 4 for 2002 and later - All operators must be 25 years old and 9 years experience |
Restricted Vehicles |
ISO performance h, s & p for 2001 and prior years; 2,3 & 4 for 2002 and later - All operators must be 25 years old and 9 years experience |
|
Motor Home Rating |
Yes -- choose symbol based on actual value - rate using priority rating |
Motor Home Rating |
Yes -- choose symbol based on actual value - rate using priority rating |
Motor Home Rating |
Yes -- choose symbol based on actual value - rate using priority rating |
|
Travel Trailer Rating |
Yes - Get original cost new - $100 deductible comp and $250 deductible collsion. No other deductibles for new business - use chart in manual page A-5-1 & A-5-2 |
Travel Trailer Rating |
Yes - Get original cost new - $100 deductible comp and $250 deductible collsion. No other deductibles for new business - use chart in manual page A-5-1 & A-5-2 |
Travel Trailer Rating |
Yes - Get original cost new - $100 deductible comp and $250 deductible collsion. No other deductibles for new business - use chart in manual page A-5-1 & A-5-2 |
|
Other Trailer Rating |
Yes - Get original cost new - $50 deductible comp and $100 deductible collsion. No other deductibles for new business - use chart in manual page A-5-3 & A-5-4 |
Other Trailer Rating |
Yes - Get original cost new - $50 deductible comp and $100 deductible collsion. No other deductibles for new business - use chart in manual page A-5-3 & A-5-4 |
Other Trailer Rating |
Yes - Get original cost new - $50 deductible comp and $100 deductible collsion. No other deductibles for new business - use chart in manual page A-5-3 & A-5-4 |
|
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. Cannot bind coverage. Fill out and sign the customized coverage form - copy is in the last page of the manual. |
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. Cannot bind coverage. Fill out and sign the customized coverage form - copy is in the last page of the manual. |
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. Cannot bind coverage. Fill out and sign the customized coverage form - copy is in the last page of the manual. |
|
Pickup Topper Rating |
Value of $500 or less is included at no charge….$501 to $1000 of current value is included by adding 1 symbol to the pickup symbol and describe it in remarkes….For topper over $1000 determine price new of pickup and topper. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating. |
Pickup Topper Rating |
Value of $500 or less is included at no charge….$501 to $1000 of current value is included by adding 1 symbol to the pickup symbol and describe it in remarkes….For topper over $1000 determine price new of pickup and topper. Use the price new-symbol guide to determine symbol. Enter symbol in priority rating. |
Pickup Topper Rating |
Value of $500 or less is included at no charge….$501 to $1000 of current value is included by adding 1 symbol to the pickup symbol and describe it in remarkes….For topper over $1000 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 |
6 months |
Policy Term |
6 months |
Policy Term |
6 months |
|
Billed Payments Available |
1 payment - no fees……2 equal payments 50% down with no fee, 50% due in 60 days plus $6 fee |
Billed Payments Available |
1 payment - no fees……2 equal payments 50% down with no fee, 50% due in 60 days plus $6 fee |
Billed Payments Available |
1 payment - no fees……2 equal payments 50% down with no fee, 50% due in 60 days plus $6 fee |
|
EFT Payments Available |
Yes - this is the only way to pay monthly - new business 2 months down and 4 monthly-no fees |
EFT Payments Available |
Yes - this is the only way to pay monthly - new business 2 months down and 4 monthly-no fees |
EFT Payments Available |
Yes - this is the only way to pay monthly - new business 2 months down and 4 monthly-no fees |
|
Credit Card Payment Available |
No |
Credit Card Payment Available |
No |
Credit Card Payment Available |
No |
|
App Binding Requirement |
Application sent within 24 hours of the effective date. |
App Binding Requirement |
Application sent within 24 hours of the effective date. |
App Binding Requirement |
Application sent within 24 hours of the effective date. |
|
Claim Reporting Procedure |
Call company to report claims - 1-800-788-9488 (24 Hour Service) |
Claim Reporting Procedure |
Call company to report claims - 1-800-788-9488 (24 Hour Service) |
Claim Reporting Procedure |
Call company to report claims - 1-800-788-9488 (24 Hour Service) |