Personal Auto Coverage Selections Page

Transcription

1 Personal Auto Coverage Selections Page This Coverage Selections Page shows the coverages and discounts for your auto insurance policy issued by Safety Insurance Company. This page, the attached endorsements and the Massachusetts Auto Insurance Policy (2008 edition) form your policy. Your Policy #: ITEM 2. Policy Effective Dates: FEBRUARY 28, FEBRUARY 28, 2017 Your CG@SAFETYINSURANCE.COM (12:01 A.M. Eastern Standard Time) D ITEM 1. Policy Issued To: CHRISTINE TEST SUNDAY 20 CUSTOM HOUSE ST BOSTON MA Your Agent: Agent Code ARONSON INS AGENCY INC 950 HIGHLAND AVE NEEDHAM MA (617) ITEM 3. The following auto(s) are covered by this insurance policy: Auto 1: 2012 HONDA CR-V EX- SPT UTIL 5J6RM4H75CL Symbol 23 Class 54 Auto : Policy Level Discounts (These discounts apply to your entire policy.) AccountCredit Other Carrier AccountCredit Group Discount RenewalCredit E-Customer Discount Agency Loyalty Credit 10% NO NO NO 05% NO Auto Level Coverages and Discounts (These discounts apply to all or a portion of the premium for a specific auto.) Safety Loan Good Away at Hybrid Anti Annual Multi Age 65 Shield Lease/Gap Student School Auto Theft Mileage Car or older MBTA Coverage Coverage Discount Discount Discount Discount Discount Discount Discount Discount Auto 1: NO NO NO NO NO NO 10% NO NO NO Auto : ITEM 4. This policy provides only the coverages for which a premium charge is shown. Coverages, Parts 1-12 Auto 1 - Limits Premium Premium Adjusted Auto - Limits Premium Premium Adjusted 1. Bodily Injury to Others $20,000 $40,000 Per Person Per Accident $ 143 $ $ Per Person Per Accident $ 2. Personal Injury Protection $8,000 Per Person $ Per Person No Deductible $ 48 Deductible for You $ 3. Bodily Injury Caused by an Uninsured Auto $100,000 Per Person $300,000 Per Accident $ 12 $ Per Person $ Per Accident 4. Damage to Someone Else s $100,000 Per Accident $ 219 $ Per Accident $ Property 5. Optional Bodily Injury to $100,000 Per Person $ Per Person $ 107 Others $300,000 Per Accident $ Per Accident $ 6. Medical Payments $5,000 Per Person $ 20 $ Per Person $ 7. Collision $500* Deductible *Includes Waiver of Deductible Actual Cash Value 8. Limited Collision $ Deductible Actual Cash Value 9. Comprehensive $500 Deductible Actual Cash Value 10. Substitute Transportation Up to $30 a day to a maximum of $ Towing and Labor Up to $50 for each 12. Bodily Injury Caused by an Underinsured Auto x No Deductible Deductible for You Deductible for You and household members disablement $100,000 Per Person $300,000 Per Accident $ 366 $ $ 119 $ 50 $ 7 $ 22 Deductible for You and household members $ Deductible Actual Cash Value $ $ Deductible Actual Cash Value $ $ Deductible Actual Cash Value $ Up to $ a day to a maximum of $ $ Up to $ for each disablement $ $ Per Person $ Per Accident $ Premium Subtotal $ Premium Subtotal $ Merit Rating Plan Adjustment 99 $ $ Total Premium for $ this Auto 916 Total Premium for $ this Auto Total Premium for this Policy: : $ INSURED $

2 Operator Name Date of Birth License Number And State Auto Date First Licensed Motorcycle Driver Deferred Training Operator (Y/N) CHRISTINE TEST SEL5 02/01/1960 XXXXX6789 MA 02/01/1980 N N P P = Principal O = Occasional E = Excluded Auto # 001 Attached Endorsements: SAT Advanced Driver Training M0099S 0911 MA Mandatory Endorsement SVE Veh Sharing Exclusion MPY Waiver Of Deductible ITEM 5. Garaging: Auto001 : ABINGTON Auto : ITEM 6. Lienholder - Additional Insured Information: Auto : Auto : Remarks: IF YOU WISH TO RECEIVE A COPY OF YOUR SDIP STATEMENT, PLEASE CONTACT SAFETY DIRECTLY AT EXT 6429 OR YOU CAN VIEW OR PRINT THIS DOCUMENT BY LOGGING INTO "MY ACCOUNT" AT OPERATORS WHO DO NOT HAVE SURCHARGEABLE INCIDENTS WILL NOT HAVE A MERIT RATING FORM. Check carefully to ensure that the information listed on your Coverage Selection Page is correct. Are all operators listed? Failure to list a household member or any individual who customarily operates your auto may have very serious consequences. Are all your autos listed? Is the garaging correct? Are you receiving all the discounts you are entitled to? Is your mailing address correct? NOTICE: It is important for you to notify us of any changes that have occurred prior to the renewal of this policy and at any time during the policy period. Please review this Coverage Selections Page and the Massachusetts Auto Insurance Policy (2008 Edition) carefully to ensure that you understand the coverages and limits contained in this policy. It is a crime to knowingly provide false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any of the Optional Insurance (Parts 5 thru 12) and we may cancel your policy. MERIT RATING PLAN The Merit Rating Board may verify the accuracy of the previous driving records of all listed operators. The Merit Rating Plan adjustment shown on the Coverage Selection Page for each auto is based on the driving records of the operators listed on your policy. Thank you for insuring your auto with Safety Insurance ed. Countersigned by:

3 2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 07/15/16 i

4 RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-5 Effective 07/15/16 iii

5 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 9. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 10. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 8% 8% Effective 07/15/16 v

6 SAFETY ENDORSEMENT FORMS AND RATING PLAN AND TIER PROGRAM: 11. Safety Shield (SSA 001) Adds extensions and additional coverages to the specified vehicle. Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value 12. Safety Shield Plus (SSA 002) Extended Substitute Transportation Emergency Road Travel Expenses Premium is $25.00 per vehicle Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value Extended Substitute Transportation Emergency Road Travel Expenses Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Seat Belt Pet Coverage Bail Bonds Accident Forgiveness Premium is $35.00 per vehicle 13. Auto Loan/Lease Gap Coverage (SLL 002) In the event of a Total Loss to a specified vehicle with this coverage, Safety will pay any unpaid amount due on the lease or loan for that vehicle. Premium is $25.00 per vehicle. 14. Safety s Rating Plan and Tier Placement Program Rating Plan (A or B) and Tier placement are based on an analysis of the following policy characteristics: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Whether the policy qualifies for the Multi-Car Discount (Rule 19. A). The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policy qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.). What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on policy. For an extended description of the products refer to your Safety Insurance Personal Auto Manual. If you have any questions please call your personal auto underwriter. * NOTE: Policies in Rating Plan B are not eligible for the discounts and endorsements listed above. Effective 07/15/16 vi

7 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. Rounding should occur after the application of each step in section 11.A. and 11.B.1 above. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: Effective 07/15/16 7

8 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Public Transit Discount 6. Basic Package Adjustment Factor* 7. Age 65 and Older Discount 8. Renewal Credit Discount 9. Student Discount 10. Agency Loyalty Discount 11. E-customer Discount 12. Electronic Book Transfer Discount 13. Non-Safety Account Credit Discount Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Annual Mileage Discount Multi-Car Discount Anti-Theft Discount Public Transportation Discount Account Credit Discount (Safety Account Credit Discount only) Basic Package Adjustment Factor* The Annual Mileage Discount, Multi-Car Discount, and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. The remaining discounts shall not be rounded. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All 0.68 Effective 07/15/16 8

9 b. Rating Plan B: All 20 2 All 0.68 All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All All 25 3 All All 25 4 All All All All 30 0 All All 30 1 All All 30 2 All All 30 3 All All 30 4 All All All All All All 40 0 All All 40 1 All All 40 2 All All 40 3 All 0.68 All 40 4 All 0.68 All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All All 45 4 All All All All 50 0 All 0.81 All 50 1 All All 50 2 All All 50 3 All All 50 4 All 0.81 All All All All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All 0.77 All 83 0 All All 83 1 All 0.87 All 83 2 All All 83 3 All All 83 4 All All All Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discounts shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Effective 07/15/16 9

10 RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. Effective 07/15/16 16

11 A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% Effective 07/15/16 18

12 J. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. K. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Electronic Book Transfer Discount Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% An eligible policyholder who elects to move their policy from a non-safety company into a Safety rating program and is part of a qualified book transfer meeting the underwriting rules established by the company shall be entitled to a discount described below: Effective 07/15/16 19

13 A first-time policyholder to Safety Insurance Group who (A) elects to transfer their policy as part of an Electronic Book Transfer to Safety 30 days before the policy effective date and (B) is part of a qualified book transfer meeting the underwriting rules established by the company and (C) qualifies under Section K. for New Business Discount for Agency Loyalty on the date of transfer in (A) will be eligible for an Electronic Book Transfer Discount for Parts For policies written as new business prior to 01/01/14: A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. For policies written as new business on or after 01/01/14: A 11% discount will apply for the first year insured with Safety, a 9% discount on the second year insured with Safety, a 7% discount on the third year insured with Safety, a 5% discount on the fourth year insured with Safety, and a 2% discount on the fifth year insured with Safety. Any discounts developed in Rule 19 L. are in addition to discounts developed in other sections of Rule 19. L. Low Frequency Discount A discount will be given on Parts 1, 2, 4 and 5 for vehicles whose rated operator meets certain low frequency requirements: The rated operator has 4 or less merit rating points as defined in Rule 56 Merit Rating Plan and No claim payment under any of the above coverage parts has been made to or on behalf of the rated operator in connection with more than one accident during the three years preceding the effective date of the policy. Effective 07/15/16 20

14 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 07/15/16 23

15 C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A 28 A A A B B B B A Effective 07/15/16 26

16 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A 1 A 38 A A B A A C B A 39 A A B A A D A 1 A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A 1.1 A 46 A A B A B C B A 47 A A B A B D A 1.1 A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A 1 A 54 A A B B A C B A 55 A A B B A D A 1 A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A 1.1 A 62 A A B B B C B A 63 A A B B B D A 1.1 A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A 1 A 70 A A C A A C B A 71 A A C A A D A 1 A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A 1.1 A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A 81 A A C B A A A A Effective 07/15/16 27

17 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A 1 A 86 A A C B A C B A 87 A A C B A D A 1 A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A 1.1 A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A 1 A 102 A A D A A C B A 103 A A D A A D A 1 A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A 1.1 A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A 1 A 118 A A D B A C B A 119 A A D B A D A 1 A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A 1.1 A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A 1 A 134 A A E A A C B A Effective 07/15/16 28

18 135 A A E A A D A 1 A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A 1.02 A 140 A A E A B B B A 141 A A E A B C A 1.01 A 142 A A E A B C B A 143 A A E A B D A 1.01 A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A 1 A 150 A A E B A C B A 151 A A E B A D A 1 A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A 1.02 A 156 A A E B B B B A 157 A A E B B C A 1.01 A 158 A A E B B C B A 159 A A E B B D A 1.01 A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A 1 A 166 A A F A A C B A 167 A A F A A D A 1 A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A 1.02 A 172 A A F A B B B A 173 A A F A B C A 1.1 A 174 A A F A B C B A 175 A A F A B D A 1.1 A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A 1 A 182 A A F B A C B A 183 A A F B A D A 1 A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A 187 A A F B B B A 1.02 A Effective 07/15/16 29

19 188 A A F B B B B A 189 A A F B B C A 1.1 A 190 A A F B B C B A 191 A A F B B D A 1.1 A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A 1.02 A 238 A B B A B C B A 239 A B B A B D A 1.02 A 240 A B B A B D B A Effective 07/15/16 30

20 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A 1.02 A 254 A B B B B C B A 255 A B B B B D A 1.02 A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A 1 A 262 A B C A A C B A 263 A B C A A D A 1 A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A 1.1 A 268 A B C A B B B A 269 A B C A B C A 1.01 A 270 A B C A B C B A 271 A B C A B D A 1.01 A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A 1 A 278 A B C B A C B A 279 A B C B A D A 1 A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A 1.1 A 284 A B C B B B B A 285 A B C B B C A 1.01 A 286 A B C B B C B A 287 A B C B B D A 1.01 A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A 293 A B D A A C A 1 A Effective 07/15/16 31

21 294 A B D A A C B A 295 A B D A A D A 1 A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A 1.1 A 300 A B D A B B B A 301 A B D A B C A 1.01 A 302 A B D A B C B A 303 A B D A B D A 1.01 A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A 1 A 310 A B D B A C B A 311 A B D B A D A 1 A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A 1.1 A 316 A B D B B B B A 317 A B D B B C A 1.01 A 318 A B D B B C B A 319 A B D B B D A 1.01 A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A 1 A 324 A B E A A B B A 325 A B E A A C A 1 A 326 A B E A A C B A 327 A B E A A D A 1 A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A 1.1 A 332 A B E A B B B A 333 A B E A B C A 1.02 A 334 A B E A B C B A 335 A B E A B D A 1.02 A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A 1 A 340 A B E B A B B A 341 A B E B A C A 1 A 342 A B E B A C B A 343 A B E B A D A 1 A 344 A B E B A D B A 345 A B E B B A A A 346 A B E B B A B A Effective 07/15/16 32

22 347 A B E B B B A 1.1 A 348 A B E B B B B A 349 A B E B B C A 1.02 A 350 A B E B B C B A 351 A B E B B D A 1.02 A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A 1.02 A 364 A B F A B B B A 365 A B F A B C A 1.1 A 366 A B F A B C B A 367 A B F A B D A 1.1 A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A 1.02 A 380 A B F B B B B A 381 A B F B B C A 1.1 A 382 A B F B B C B A 383 A B F B B D A 1.1 A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A 1.02 A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A 399 B A A A B D A A Effective 07/15/16 33

23 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A 1.02 A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A 1.1 A 422 B A B A A C B A 423 B A B A A D A 1.1 A 424 B A B A A D B A 425 B A B A B A A 1.2 A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A 1.2 A 430 B A B A B C B A 431 B A B A B D A 1.2 A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A 1.1 A 438 B A B B A C B A 439 B A B B A D A 1.1 A 440 B A B B A D B A 441 B A B B B A A 1.2 A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A 1.2 A 446 B A B B B C B A 447 B A B B B D A 1.2 A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A 452 B A C A A B B 1.1 A Effective 07/15/16 34

24 453 B A C A A C A 1.1 A 454 B A C A A C B A 455 B A C A A D A 1.1 A 456 B A C A A D B A 457 B A C A B A A 1.05 A 458 B A C A B A B A 459 B A C A B B A 1.1 A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B 1.1 A 469 B A C B A C A 1.1 A 470 B A C B A C B A 471 B A C B A D A 1.1 A 472 B A C B A D B A 473 B A C B B A A 1.05 A 474 B A C B B A B A 475 B A C B B B A 1.1 A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B 1.1 A 485 B A D A A C A 1.1 A 486 B A D A A C B A 487 B A D A A D A 1.1 A 488 B A D A A D B A 489 B A D A B A A 1.05 A 490 B A D A B A B A 491 B A D A B B A 1.1 A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B 1.1 A 501 B A D B A C A 1.1 A 502 B A D B A C B A 503 B A D B A D A 1.1 A 504 B A D B A D B A 505 B A D B B A A 1.05 A Effective 07/15/16 35

25 506 B A D B B A B A 507 B A D B B B A 1.1 A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B 1.02 A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A 1.1 A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B 1.02 A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A 1.1 A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B 1.02 A 551 B A F A A D A A 552 B A F A A D B 1.02 A 553 B A F A B A A A 554 B A F A B A B 1.05 A 555 B A F A B B A A 556 B A F A B B B 1.2 A 557 B A F A B C A A 558 B A F A B C B 1.1 A Effective 07/15/16 36

26 559 B A F A B D A A 560 B A F A B D B 1.1 A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B 1.02 A 567 B A F B A D A A 568 B A F B A D B 1.02 A 569 B A F B B A A A 570 B A F B B A B 1.05 A 571 B A F B B B A A 572 B A F B B B B 1.2 A 573 B A F B B C A A 574 B A F B B C B 1.1 A 575 B A F B B D A A 576 B A F B B D B 1.1 A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A 1 B 602 B B A B B A B 1 B 603 B B A B B B A 1 B 604 B B A B B B B 1 B 605 B B A B B C A 1 B 606 B B A B B C B 1 B 607 B B A B B D A 1 B 608 B B A B B D B 1 B 609 B B B A A A A A 610 B B B A A A B A 611 B B B A A B A A Effective 07/15/16 37

27 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A 1.2 A 622 B B B A B C B A 623 B B B A B D A 1.2 A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A 1 B 634 B B B B B A B 1 B 635 B B B B B B A 1 B 636 B B B B B B B 1 B 637 B B B B B C A 1 B 638 B B B B B C B 1 B 639 B B B B B D A 1 B 640 B B B B B D B 1 B 641 B B C A A A A 1.07 A 642 B B C A A A B 1.3 A 643 B B C A A B A 1.07 A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A 1.1 A 650 B B C A B A B A 651 B B C A B B A 1.1 A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A 1.07 A 658 B B C B A A B 1.3 A 659 B B C B A B A 1.07 A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A 664 B B C B A D B A Effective 07/15/16 38

28 665 B B C B B A A 1 B 666 B B C B B A B 1 B 667 B B C B B B A 1 B 668 B B C B B B B 1 B 669 B B C B B C A 1 B 670 B B C B B C B 1 B 671 B B C B B D A 1 B 672 B B C B B D B 1 B 673 B B D A A A A 1 A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A 1.1 A 678 B B D A A C B A 679 B B D A A D A 1.1 A 680 B B D A A D B A 681 B B D A B A A 1.05 A 682 B B D A B A B A 683 B B D A B B A 1.1 A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A 1 A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A 1.1 A 694 B B D B A C B A 695 B B D B A D A 1.1 A 696 B B D B A D B A 697 B B D B B A A 1.05 A 698 B B D B B A B A 699 B B D B B B A 1.1 A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B 1.1 A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B 1.2 A 715 B B E A B B A 1.1 A 716 B B E A B B B A 717 B B E A B C A A Effective 07/15/16 39

29 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B 1.1 A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B 1.2 A 731 B B E B B B A 1.1 A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B 1.02 A 743 B B F A A D A A 744 B B F A A D B 1.02 A 745 B B F A B A A A 746 B B F A B A B 1.05 A 747 B B F A B B A A 748 B B F A B B B 1.1 A 749 B B F A B C A A 750 B B F A B C B 1.1 A 751 B B F A B D A A 752 B B F A B D B 1.1 A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B 1.02 A 759 B B F B A D A A 760 B B F B A D B 1.02 A 761 B B F B B A A A 762 B B F B B A B 1.05 A 763 B B F B B B A A 764 B B F B B B B 1.1 A 765 B B F B B C A A 766 B B F B B C B 1.1 A 767 B B F B B D A A 768 B B F B B D B 1.1 A Effective 07/15/16 40

30 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. c. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 07/15/16 44

31 RULE 55. PRE-INSURANCE INSPECTION PROGRAM Pre-insurance inspections will be waived for all vehicles insured under a policy. This rule will apply uniformly to all insureds. Effective 07/15/16 60

32 RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. For accidents occurring prior to July 1, 2015, an at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. For accidents occurring on or after July 1, 2015, an at-fault accident is defined as minor only if it resulted in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of more than $1,000 and up to $5,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $5,000. Effective 07/15/16 61

33 If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 07/15/16 62

34 Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators Inexperienced Operators (Rate Class 50-57, or 30) (All Other Rate Classes) Parts 1, Parts 1, 2, and 4 Part 5 Part 7 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 07/15/16 63

35 Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 07/15/16 64

36 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory , , , , , , , , , , , , , , , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 2

37 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 3

38 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 4

39 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 5

40 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory ,134 1, , ,186 1,097 1, , ,184 1,095 1, , ,248 1,155 1, ,122 1, ,265 1,170 1, ,139 1,023 1, ,290 1,192 1, ,160 1,042 1, ,379 1,275 1, ,240 1,115 1, ,304 1,207 1, ,174 1,055 1, ,284 1,188 1, ,156 1,038 1, ,307 1,210 1, ,177 1,058 1, ,279 1,184 1, ,151 1,034 1, ,308 1,211 1, ,179 1,059 1, ,512 1,398 1, ,360 1,222 1, ,435 1,327 1,263 1,194 1,105 1,052 1,291 1,160 1,136 1, , ,570 1,453 1,383 1,080 1, ,413 1,270 1, , ,729 1,599 1, ,556 1,397 1, ,287 1,190 1, ,158 1,040 1, ,420 1,314 1, ,278 1,149 1, ,311 1,214 1, ,181 1,061 1, , ,715 1,587 1,511 1, ,544 1,387 1, , ,474 1,363 1,297 1,150 1,064 1,013 1,327 1,190 1, ,110 1, ,688 1,562 1,487 1,288 1,191 1,134 1,519 1,365 1,338 1,103 1,041 1, ,490 1,379 1, ,341 1,206 1, ,342 1,242 1, ,209 1,085 1, ,519 1,406 1, ,368 1,228 1, ,108 1, ,771 1,639 1,560 1,111 1, ,594 1,432 1, , , ,286 1,189 1, ,157 1,039 1, ,283 1,187 1, ,155 1,037 1, ,400 1,295 1, ,260 1,132 1, ,641 1,518 1,445 1, ,478 1,327 1, ,395 1,290 1, ,255 1,127 1, ,562 1,446 1,376 1, ,407 1,263 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 6

41 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 7

42 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 8

43 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 9

44 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 07/15/16 R - 11

45 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 18

46 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 19

47 Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account credit, age 65 and older, renewal credit, agency loyalty, e-customer, electronic book transfer) The Motorcycle Rider Training Program Discount and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. The remaining discounts will not be rounded. Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Anti-Theft Discount Account Credit Discount (Safety Account Credit Discount only) Motorcycle Rider Training Program Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Rounding should occur after the application of each discount. Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply all applicable discounts as specified above (including the Maximum Combined Discounts cap) 6) Apply Merit Rating adjustment Rounding should occur after each step. See the discount sections above for the specific rounding rules for the discount step. Effective 07/15/16 M-12

48 Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 11% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 07/15/16 RS-1

49 Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 07/15/16 RS-2

50 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Effective 8/1/2015 HIGH THEFT VEHICLE LIST Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2015-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CADILLAC (cont'd) MDX WAGON 4 DOOR/4x4 13 ESCALADE EXT LUXURY SPORT PICKUP/AWD MDX WAGON 4 DOOR/AWD ESCALADE EXT LUXURY UTILITY/AWD 12 MDX ADVANCE WAGON 4 DOOR/4x4 13 ESCALADE EXT PREMIUM SPORT PICKUP/AWD MDX ADVANCE WAGON 4 DOOR/AWD ESCALADE EXT PREMIUM UTILITY/AWD 12 MDX TECH WAGON 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/4x4 14 TL AWD SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/AWD TL AWD ADVANCE SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/Rear TL AWD TECH SEDAN 4 DOOR/AWD ESCALADE LUXURY WAGON 4 DOOR/4x4 16 TLX SEDAN 4 DOOR/Front 16 ESCALADE LUXURY WAGON 4 DOOR/AWD TLX ADVANCE SEDAN 4 DOOR/AWD 16 ESCALADE LUXURY WAGON 4 DOOR/Rear TLX ADVANCE SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/4x4 16 TLX TECH SEDAN 4 DOOR/AWD 16 ESCALADE PLATINUM WAGON 4 DOOR/AWD TLX TECH SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/Rear ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 AUDI ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD A5 QUATTRO PREM PLUS CONVERTIBLE/AWD ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/4x4 16 A5 QUATTRO PREMIUM CONVERTIBLE/AWD ESCALADE PREMIUM WAGON 4 DOOR/AWD A5 QUATTRO PREMIUM COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD XTS SEDAN 4 DOOR/Front 16 A5 QUATTRO PRESTIGE COUPE/AWD XTS DELIVERY SEDAN 4 DOOR/Front 16 A7 PREMIUM PLUS QUATT HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/AWD 16 A7 PREMIUM QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/Front 16 A7 PRESTIGE QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS PLATINUM SEDAN 4 DOOR/AWD 16 Q7 PREMIUM WAGON 4 DOOR/AWD XTS PLATINUM SEDAN 4 DOOR/Front 16 Q7 PREMIUM PLUS WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/AWD 16 Q7 PRESTIGE WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/Front 16 Q7 TDI PREMIUM WAGON 4 DOOR/AWD 16 XTS VSPORT PLATINUM SEDAN 4 DOOR/AWD 16 Q7 TDI PREMIUM PLUS WAGON 4 DOOR/AWD 16 XTS VSPORT PREMIUM SEDAN 4 DOOR/AWD 16 Q7 TDI PRESTIGE WAGON 4 DOOR/AWD 16 CHEVROLET BMW AVALANCHE C1500 LT SPORT PICKUP/Rear I CONVERTIBLE/Rear 14 AVALANCHE C1500 LT UTILITY/Rear I COUPE/Rear 14 AVALANCHE K1500 LT SPORT PICKUP/4x I SULEV CONVERTIBLE/Rear 14 AVALANCHE K1500 LT UTILITY/4x I SULEV COUPE/Rear 14 AVALANCHE LS UTILITY/4x XI COUPE/AWD 14 AVALANCHE LS UTILITY/Rear XI SULEV COUPE/AWD 14 AVALANCHE LTZ UTILITY/4x I CONVERTIBLE/Rear 14 AVALANCHE LTZ UTILITY/Rear I COUPE/Rear 14 C1500 SILVERADO CREW PICKUP/Rear 335I SULEV CONVERTIBLE/Rear 14 C1500 SUBURBAN WAGON 4 DOOR/Rear I SULEV COUPE/Rear 14 C1500 SUBURBAN LS WAGON 4 DOOR/Rear XI COUPE/AWD 14 C1500 SUBURBAN LT WAGON 4 DOOR/Rear XI SEDAN 4 DOOR/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear D XDRIVE SEDAN 4 DOOR/AWD CAMARO LS COUPE/Rear XI SEDAN 4 DOOR/AWD CAMARO LT CONVERTIBLE/Rear XI GT HATCHBACK 4 DOOR/AWD CAMARO LT COUPE/Rear I XI GT HATCHBACK 4 DOOR/AWD CAMARO SS CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CAMARO SS COUPE/Rear X5 M WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CAMARO ZL1 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE CONVERTIBLE/Rear CORVETTE COUPE/Rear BUICK CORVETTE 1LT CONVERTIBLE/Rear LACROSSE SEDAN 4 DOOR/Front CORVETTE 1LT COUPE/Rear LACROSSE AWD SEDAN 4 DOOR/Front CORVETTE 1LT Z5I CONVERTIBLE/Rear LACROSSE PREMIUM SEDAN 4 DOOR/Front CORVETTE 1LT Z5I COUPE/Rear LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD CORVETTE 1LZ Z06 COUPE/Rear 16 LACROSSE TOURING SEDAN 4 DOOR/Front 15 CORVETTE 2LT CONVERTIBLE/Rear LACROSSE W/EASSIST SEDAN 4 DOOR/Front CORVETTE 2LT COUPE/Rear CORVETTE 2LT Z5I CONVERTIBLE/Rear CADILLAC CORVETTE 2LT Z5I COUPE/Rear CTS-V COUPE/Rear 16 CORVETTE 2LZ Z06 CONVERTIBLE/Rear 16 DTS SEDAN 4 DOOR/Front 12 CORVETTE 2LZ Z06 COUPE/Rear 16 DTS LUXURY COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT CONVERTIBLE/Rear DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT COUPE/Rear DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT Z5I CONVERTIBLE/Rear ESCALADE WAGON 4 DOOR/4x4 16 CORVETTE 3LT Z5I COUPE/Rear ESCALADE WAGON 4 DOOR/AWD CORVETTE 3LZ Z06 CONVERTIBLE/Rear 16 ESCALADE WAGON 4 DOOR/Rear CORVETTE 3LZ Z06 COUPE/Rear 16 ESCALADE ESV WAGON 4 DOOR/4x4 16 CORVETTE 427 CONVERTIBLE/Rear 14 ESCALADE ESV WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear ESCALADE ESV WAGON 4 DOOR/Rear CORVETTE GRAND SPORT COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/4x4 16 CORVETTE Z06 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear IMPALA LT SEDAN 4 DOOR/Front 16 ESCALADE ESV PLATINUM WAGON 4 DOOR/4x4 16 IMPALA LTZ SEDAN 4 DOOR/Front ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD K1500 SUBURBAN WAGON 4 DOOR/4x ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear K1500 SUBURBAN LS WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/4x4 16 K1500 SUBURBAN LT WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD K1500 SUBURBAN LTZ WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear K2500 SUBURBAN WAGON 4 DOOR/4x4 14 ESCALADE EXT SPORT PICKUP/AWD K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 ESCALADE EXT UTILITY/AWD 12 K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 HT-1 Commonwealth Automobile Reinsurers October 1, 2013

51 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) DODGE (cont'd) SILVERADO C DOOR EXT CAB PK/Rear RAM 1500 CREW PICKUP/4x4 12 SILVERADO C1500 CREW PICKUP/Rear RAM 1500 CREW PICKUP/Rear 12 SILVERADO C1500 PICKUP/Rear RAM 1500 PICKUP/4x4 12 SILVERADO C1500 HIGH COUN CREW PICKUP/Rear RAM 1500 PICKUP/Rear 12 SILVERADO C1500 HYBRID CREW PICKUP/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear RAM 1500 QUAD CREW PICKUP/Rear 12 SILVERADO C1500 LS CREW PICKUP/Rear RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/4x4 13 SILVERADO C1500 LT CREW PICKUP/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SILVERADO C1500 LT PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear RAM 1500 ST CREW PICKUP/4x4 13 SILVERADO C1500 LTZ CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SILVERADO K1500 CREW PICKUP/4x RAM 2500 CREW PICKUP/4x4 12 SILVERADO K1500 PICKUP/4x RAM 2500 CREW PICKUP/Rear 12 SILVERADO K1500 HIGH COUN CREW PICKUP/4x RAM 2500 PICKUP/4x4 12 SILVERADO K1500 HYBRID CREW PICKUP/4x RAM 2500 PICKUP/Rear 12 SILVERADO K1500 LS CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K1500 LT CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K1500 LT PICKUP/4x RAM 3500 CREW PICKUP/4x4 12 SILVERADO K1500 LTZ CREW PICKUP/4x RAM 3500 CREW PICKUP/Rear 12 SILVERADO K2500 HIGH COUN CREW PICKUP/4x4 16 RAM 3500 PICKUP/4x4 12 SILVERADO K2500HD CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SILVERADO K2500HD LT CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K2500HD LT PICKUP/4x4 13 RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K2500HD LTZ CREW PICKUP/4x SILVERADO K3500 CREW PICKUP/4x FORD SILVERADO K3500 HIGH COUN CREW PICKUP/4x4 16 EXPEDITION EL LIMITED WAGON 4 DOOR/4x SILVERADO K3500 LT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SILVERADO K3500 LTZ CREW PICKUP/4x EXPEDITION EL PLATINUM WAGON 4 DOOR/4x4 16 TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL PLATINUM WAGON 4 DOOR/Rear 16 TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/4x TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/Rear TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/4x TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/4x4 16 TAHOE LT WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/Rear 16 TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XL WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE POLICE WAGON 4 DOOR/4x4 16 EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/4x CHRYSLER EXPLORER LIMITED WAGON 4 DOOR/Front SEDAN 4 DOOR/AWD 15 EXPLORER SPORT WAGON 4 DOOR/4x SEDAN 4 DOOR/Rear EXPLORER XLT WAGON 4 DOOR/4x LIMITED SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/4x LIMITED AWD SEDAN 4 DOOR/AWD 16 F150 4 DOOR EXT CAB PK/Rear S SEDAN 4 DOOR/AWD F150 CREW PICKUP/4x S SEDAN 4 DOOR/Rear F150 CREW PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 PICKUP/4x C SEDAN 4 DOOR/Rear F150 PICKUP/Rear C AWD SEDAN 4 DOOR/AWD F150 SUPER CAB 4 DOOR EXT CAB PK/4x C PLATINUM SEDAN 4 DOOR/Rear 16 F150 SUPER CAB 4 DOOR EXT CAB PK/Rear C PLATINUM AWD SEDAN 4 DOOR/AWD 16 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x C SRT-8 SEDAN 4 DOOR/Rear F150 SVT RAPTOR CREW PICKUP/4x C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 F250 SUPER DUTY CREW PICKUP/4x DODGE F250 SUPER DUTY CREW PICKUP/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/4x4 12 AVENGER SXT SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 CHALLENGER SCAT PACK COUPE/Rear 16 F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 CHALLENGER SRT 392 COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/4x CHALLENGER SRT HELLCAT COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT8 CORE COUPE/Rear 15 F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SXT COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/AWD CHALLENGER SXT PLUS COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/AWD FUSION S SEDAN 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION S HYBRID SEDAN 4 DOOR/Front 16 CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE AWD SEDAN 4 DOOR/AWD 16 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE HYBRID SEDAN 4 DOOR/Front CHARGER SRT HELLCAT SEDAN 4 DOOR/Rear 16 FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION TITANIUM SEDAN 4 DOOR/Front CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION TITANIUM AWD SEDAN 4 DOOR/AWD CHARGER SXT SEDAN 4 DOOR/Rear FUSION TITANIUM HYBRID SEDAN 4 DOOR/Front CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION TITANIUM PHEV SEDAN 4 DOOR/Front CHARGER V6 SEDAN 4 DOOR/AWD 14 MUSTANG CONVERTIBLE/Rear DURANGO CITADEL WAGON 4 DOOR/AWD 16 MUSTANG COUPE/Rear DURANGO CITADEL WAGON 4 DOOR/Rear MUSTANG BOSS 302 COUPE/Rear 14 DURANGO CREW WAGON 4 DOOR/Rear 15 MUSTANG GT CONVERTIBLE/Rear DURANGO LIMITED WAGON 4 DOOR/AWD 16 MUSTANG GT COUPE/Rear DURANGO LIMITED WAGON 4 DOOR/Rear 16 MUSTANG SHELBY GT500 CONVERTIBLE/Rear DURANGO R/T WAGON 4 DOOR/AWD 16 MUSTANG SHELBY GT500 COUPE/Rear DURANGO R/T WAGON 4 DOOR/Rear NITRO DETONATOR WAGON 4 DOOR/4x4 12 GMC NITRO SHOCK WAGON 4 DOOR/4x4 12 SIERRA C DOOR EXT CAB PK/Rear SIERRA C1500 CREW PICKUP/Rear HT-2 Commonwealth Automobile Reinsurers October 1, 2013

52 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) INFINITI (cont'd) SIERRA C1500 PICKUP/Rear 12 SIERRA C1500 DENALI CREW PICKUP/Rear G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 SIERRA C1500 HYBRID CREW PICKUP/Rear QX50 STATION WAGON/AWD 16 SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear QX60 WAGON 4 DOOR/AWD 16 SIERRA C1500 SL CREW PICKUP/Rear QX60 HYBRID WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear QX70 WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE CREW PICKUP/Rear QX80 WAGON 4 DOOR/4x4 16 SIERRA C1500 SLE PICKUP/Rear SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear JAGUAR SIERRA C1500 SLT CREW PICKUP/Rear XF SEDAN 4 DOOR/Rear SIERRA K DOOR EXT CAB PK/4x XF PORTFOLIO SEDAN 4 DOOR/Rear 13 SIERRA K1500 CREW PICKUP/4x XF PREMIUM SEDAN 4 DOOR/Rear 12 SIERRA K1500 PICKUP/4x4 12 XF R SEDAN 4 DOOR/Rear SIERRA K1500 DENALI CREW PICKUP/4x XF RS SEDAN 4 DOOR/Rear SIERRA K1500 HYBRID CREW PICKUP/4x XF SUPERCHARGED SEDAN 4 DOOR/Rear SIERRA K1500 SL CREW PICKUP/4x SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x JEEP SIERRA K1500 SLE CREW PICKUP/4x GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x SIERRA K1500 SLE PICKUP/4x4 12 GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x SIERRA K1500 SLT CREW PICKUP/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x SIERRA K2500 SLE CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear SIERRA K2500 SLT CREW PICKUP/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD WRANGLER RUBICON WAGON 2 DOOR/4x4 16 YUKON DENALI HYBRID WAGON 4 DOOR/Rear WRANGLER SAHARA WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/4x4 16 WRANGLER SPORT WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/AWD WRANGLER UNLIMITED SAHARA WAGON 4 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/Rear WRANGLER UNLIMITED SPORT WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/4x WRANGLER UNLIMTED RUBICON WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD 12 YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD 12 YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD 12 YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front ACCORD HYBRID EXL SEDAN 4 DOOR/Front LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front GS 350 SEDAN 4 DOOR/Rear 12 ACCORD LX COUPE/Front 13 GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 16 CROSSTOUR EX WAGON 4 DOOR/Front RX 450H WAGON 4 DOOR/AWD 16 CROSSTOUR EX-L WAGON 4 DOOR/AWD CROSSTOUR EX-L WAGON 4 DOOR/Front LINCOLN FIT HATCHBACK 4 Door/Front 13 MKS SEDAN 4 DOOR/Front FIT SPORT HATCHBACK 4 Door/Front 13 MKS AWD SEDAN 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX AWD WAGON 4 DOOR/AWD PILOT EXLN WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front RIDGELINE RT PICKUP/4x MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RTL PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x4 12 RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR WAGON 4 DOOR/Rear 12 NAVIGATOR L WAGON 4 DOOR/4x4 12 HYUNDAI NAVIGATOR L WAGON 4 DOOR/Rear 12 GENESIS COUPE 2.0T COUPE/Rear 15 GENESIS COUPE 3.8L COUPE/Rear MERCEDES-BENZ C250 COUPE/Rear INFINITI C350 COUPE/Rear FX35 WAGON 4 DOOR/AWD 13 C350 4MATIC COUPE/AWD G37 AWD COUPE/AWD 12 C63 AMG COUPE/Rear G37 AWD SEDAN 4 DOOR/AWD 14 CL550 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear 12 CL63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear 12 CL65 AMG COUPE/Rear 15 HT-3 Commonwealth Automobile Reinsurers October 1, 2013

53 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) PORSCHE (cont'd) CLS 400 4MATIC SEDAN 4 DOOR/Rear 16 CAYENNEGTS WAGON 4 DOOR/AWD 15 CLS CLASS 400 SEDAN 4 DOOR/AWD 16 CAYENNE S WAGON 4 DOOR/AWD CLS550 COUPE 4 DOOR/Rear 12 CAYENNE S HYBRID WAGON 4 DOOR/AWD CLS550 SEDAN 4 DOOR/Rear 16 CAYENNE TURBO WAGON 4 DOOR/AWD CLS550 4MATIC SEDAN 4 DOOR/AWD 16 PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD CLS63 AMG COUPE 4 DOOR/Rear 12 PANAMERA GTS SEDAN 4 DOOR/AWD E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD PANAMERA S HYBRID SEDAN 4 DOOR/Rear E350 CONVERTIBLE/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear E350 COUPE/Rear 15 PANAMERA TURBO SEDAN 4 DOOR/AWD E3504M AWD COUPE/AWD 15 PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD E3504M AWD SEDAN 4 DOOR/AWD PANAMERA/4 SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD E400 CONVERTIBLE/Rear 16 RAM E400 COUPE/Rear 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x E400 4MATIC COUPE/AWD 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear E400 4MATIC SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 LONGHORN CREW PICKUP/4x E550 CONVERTIBLE/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear E550 COUPE/Rear RAM TRUCK 1500 SLT CREW PICKUP/4x E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 RAM TRUCK 1500 SLT CREW PICKUP/Rear E63 AMG SEDAN 4 DOOR/AWD RAM TRUCK 1500 SLT PICKUP/4x4 14 E63 AMG STATION WAGON/AWD 15 RAM TRUCK 1500 SPORT CREW PICKUP/4x E63 AMG-S SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 SPORT CREW PICKUP/Rear E63 AMG-S STATION WAGON/AWD 16 RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 GL350 BLUETEC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/4x GL450 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/Rear GL550 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 2500 LARAMIE CREW PICKUP/4x GL63 AMG WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x GLA250 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 POWERWAGON CREW PICKUP/4x4 16 GLA-45 AMG STATION WAGON/AWD 16 RAM TRUCK 2500 SLT CREW PICKUP/4x GLK250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 ST CREW PICKUP/4x GLK350 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x ML250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x ML350 WAGON 4 DOOR/AWD RAM TRUCK 3500 SLT CREW PICKUP/4x ML350 BLUETEC WAGON 4 DOOR/AWD 15 RAM TRUCK 3500 ST CREW PICKUP/4x ML400 4 MATIC WAGON 4 DOOR/AWD 16 ML550 4 MATIC WAGON 4 DOOR/AWD 15 SUBARU ML63 AMG WAGON 4 DOOR/AWD IMPREZA WRX SEDAN 4 DOOR/AWD 15 S CLASS S65AMG SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STI STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear WRX SEDAN 4 DOOR/AWD 16 S550 4MATIC SEDAN 4 DOOR/AWD WRX LIMITED SEDAN 4 DOOR/AWD 16 S600 SEDAN 4 DOOR/Rear WRX PREMIUM SEDAN 4 DOOR/AWD 16 S63 AMG SEDAN 4 DOOR/Rear WRX STI SEDAN 4 DOOR/AWD 16 WRX STI LAUNCH EDITION SEDAN 4 DOOR/AWD 16 MITSUBISHI WRX STI LIMITED SEDAN 4 DOOR/AWD 16 ECLIPSE SPYDER GS CONVERTIBLE/Front 12 ECLIPSE SPYDER GT CONVERTIBLE/Front 12 TOYOTA LANCER DE SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 AVALON/LIMITED SEDAN 4 DOOR/Front 12 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 CAMRY SE/XLE SEDAN 4 DOOR/Front 13 LANCER GTS SEDAN 4 DOOR/Front 13 FJ CRUISER WAGON 4 DOOR/4x LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 FJ CRUISER WAGON 4 DOOR/Rear LANCER SE SEDAN 4 DOOR/Front 13 HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD NISSAN HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD Z CONVERTIBLE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/AWD Z COUPE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ALTIMA 2.5 S COUPE/Front 14 HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER XLE WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER/HYBRID WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/4x4 12 HIGHLANDER/SE WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER/SE WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD SCION FR-S COUPE/Rear 16 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear SCION TC HATCHBACK 2 Door/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x SCION XB WAGON 4 DOOR/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x SEQUOIA LIMITED WAGON 4 DOOR/AWD FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 SEQUOIA PLATINUM WAGON 4 DOOR/4x FRONTIER SV/SL CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 FRONTIER SV/SL CREW PICKUP/Rear SEQUOIA SR5 WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front TACOMA PICKUP/4x4 13 PATHFINDER LE WAGON 4 DOOR/AWD 13 TACOMA PICKUP/Rear 13 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 PATHFINDER S/LE/SE WAGON 4 DOOR/Rear TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 TACOMA DOUBLECAB CREW PICKUP/4x PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 TACOMA DOUBLECAB CREW PICKUP/Rear TITAN S/SV/SL/PRO-4X CREW PICKUP/4x TACOMA DOUBLECAB LG BD CREW PICKUP/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 TITAN SV CREW PICKUP/4x TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 TITAN SV CREW PICKUP/Rear 12 TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 TUNDRA CREWMAX 1794 CREW PICKUP/4x4 16 PORSCHE TUNDRA CREWMAX 1794 CREW PICKUP/Rear 16 CAYENNE WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x CAYENNE DIESEL WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/Rear HT-4 Commonwealth Automobile Reinsurers October 1, 2013

54 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL TOYOTA (cont'd) Make/Series/Body Style/Driving Wheels TUNDRA CREWMAX PLATNUM CREW PICKUP/4x TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear TUNDRA CREWMAX SR5 CREW PICKUP/4x TUNDRA CREWMAX SR5 CREW PICKUP/Rear TUNDRA CREWMAX SR5/TRD PR CREW PICKUP/4x4 16 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear VENZA WAGON 4 DOOR/AWD 12 VENZA WAGON 4 DOOR/Front 12 VENZA LE/XLE WAGON 4 DOOR/AWD VENZA LE/XLE WAGON 4 DOOR/Front VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front VOLKSWAGEN TOUAREG HYBRID WAGON 4 DOOR/AWD 15 TOUAREG TDI WAGON 4 DOOR/AWD 16 TOUAREG V6 WAGON 4 DOOR/AWD 16 HT-5 Commonwealth Automobile Reinsurers October 1, 2013

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59 Text Comparison Documents Compared changed pages pdf MA PPA Changed Pages pdf Summary 9167 word(s) added 9119 word(s) deleted word(s) matched

60 changed pages pdf 2015 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 06/01/15 i

61 MA PPA Changed Pages pdf 2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 07/15/16 i

62 changed pages pdf RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-4 Effective 06/01/15 iii

63 MA PPA Changed Pages pdf RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-5 Effective 07/15/16 iii

64 changed pages pdf 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Hybrid Automobile Discount Hybrid vehicles may be entitled to a 5% credit. 9. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 10. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 11. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 10% 10% Effective 06/01/15 v

65 MA PPA Changed Pages pdf 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 9. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 10. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 8% 8% Effective 07/15/16 v

66 changed pages pdf SAFETY ENDORSEMENT FORMS AND RATING PLAN AND TIER PROGRAM: 12. Safety Shield (SSA 001) Adds extensions and additional coverages to the specified vehicle. Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value 13. Safety Shield Plus (SSA 002) Extended Substitute Transportation Emergency Road Travel Expenses Premium is $25.00 per vehicle Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value Extended Substitute Transportation Emergency Road Travel Expenses Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Seat Belt Pet Coverage Bail Bonds Accident Forgiveness Premium is $35.00 per vehicle 14. Auto Loan/Lease Gap Coverage (SLL 002) In the event of a Total Loss to a specified vehicle with this coverage, Safety will pay any unpaid amount due on the lease or loan for that vehicle. Premium is $25.00 per vehicle. 15. Safety s Rating Plan and Tier Placement Program Rating Plan (A or B) and Tier placement are based on an analysis of the following policy characteristics: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Whether the policy qualifies for the Multi-Car Discount (Rule 19. A). The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policy qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.). What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on policy. For an extended description of the products refer to your Safety Insurance Personal Auto Manual. If you have any questions please call your personal auto underwriter. * NOTE: Policies in Rating Plan B are not eligible for the discounts and endorsements listed above. Effective 06/01/15 vi

67 MA PPA Changed Pages pdf SAFETY ENDORSEMENT FORMS AND RATING PLAN AND TIER PROGRAM: 11. Safety Shield (SSA 001) Adds extensions and additional coverages to the specified vehicle. Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value 12. Safety Shield Plus (SSA 002) Extended Substitute Transportation Emergency Road Travel Expenses Premium is $25.00 per vehicle Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value Extended Substitute Transportation Emergency Road Travel Expenses Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Seat Belt Pet Coverage Bail Bonds Accident Forgiveness Premium is $35.00 per vehicle 13. Auto Loan/Lease Gap Coverage (SLL 002) In the event of a Total Loss to a specified vehicle with this coverage, Safety will pay any unpaid amount due on the lease or loan for that vehicle. Premium is $25.00 per vehicle. 14. Safety s Rating Plan and Tier Placement Program Rating Plan (A or B) and Tier placement are based on an analysis of the following policy characteristics: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Whether the policy qualifies for the Multi-Car Discount (Rule 19. A). The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policy qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.). What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on policy. For an extended description of the products refer to your Safety Insurance Personal Auto Manual. If you have any questions please call your personal auto underwriter. * NOTE: Policies in Rating Plan B are not eligible for the discounts and endorsements listed above. Effective 07/15/16 vi

68 changed pages pdf 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: 1. Annual Mileage Discount Effective 06/01/15 7

69 MA PPA Changed Pages pdf 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. Rounding should occur after the application of each step in section 11.A. and 11.B.1 above. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: Effective 07/15/16 7

70 changed pages pdf 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Renewal Credit Discount 6. Student Discount 7. Hybrid Automobile Discount 8. Public Transit Discount 9. Agency Loyalty Discount 10. E-customer Discount 11. Electronic Book Transfer Discount 12. Basic Package Adjustment Factor* 13. Age 65 and Older Discount The discount or adjustment factor shall be rounded to the nearest dollar after each application. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All All 20 2 All All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All 0.85 All 25 3 All 0.85 All 25 4 All Effective 06/01/15 8

71 MA PPA Changed Pages pdf 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Public Transit Discount 6. Basic Package Adjustment Factor* 7. Age 65 and Older Discount 8. Renewal Credit Discount 9. Student Discount 10. Agency Loyalty Discount 11. E-customer Discount 12. Electronic Book Transfer Discount 13. Non-Safety Account Credit Discount Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Annual Mileage Discount Multi-Car Discount Anti-Theft Discount Public Transportation Discount Account Credit Discount (Safety Account Credit Discount only) Basic Package Adjustment Factor* The Annual Mileage Discount, Multi-Car Discount, and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. The remaining discounts shall not be rounded. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All 0.68 Effective 07/15/16 8

72 changed pages pdf All All All 30 0 All All 30 1 All All 30 4 All All All All 40 0 All 0.82 All 40 1 All All 40 2 All All 40 3 All All 40 4 All All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All 0.85 All 45 4 All All All All 50 0 All All 50 1 All All 50 2 All All 50 4 All All All All 60 0 All 0.93 All 60 1 All All 60 2 All All 60 4 All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All All 83 0 All 0.99 All 83 1 All All 83 2 All All 83 3 All All 83 4 All b. Rating Plan B: Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discount shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Rounding should occur after the application of each step of the premium calculation. Effective 06/01/15 9

73 MA PPA Changed Pages pdf b. Rating Plan B: All 20 2 All 0.68 All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All All 25 3 All All 25 4 All All All All 30 0 All All 30 1 All All 30 2 All All 30 3 All All 30 4 All All All All All All 40 0 All All 40 1 All All 40 2 All All 40 3 All 0.68 All 40 4 All 0.68 All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All All 45 4 All All All All 50 0 All 0.81 All 50 1 All All 50 2 All All 50 3 All All 50 4 All 0.81 All All All All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All 0.77 All 83 0 All All 83 1 All 0.87 All 83 2 All All 83 3 All All 83 4 All All All Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discounts shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Effective 07/15/16 9

74 changed pages pdf RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment. Effective 06/01/15 16

75 MA PPA Changed Pages pdf RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. Effective 07/15/16 16

76 changed pages pdf A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% J. Hybrid Automobile Discount Effective 06/01/15 18

77 MA PPA Changed Pages pdf A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% Effective 07/15/16 18

78 changed pages pdf A 5% discount for Parts 1-12 will apply to all Hybrid vehicles. A Hybrid vehicle is a vehicle that uses two or more distinct power sources to propel the vehicle. K. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. L. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% Effective 06/01/15 19

79 MA PPA Changed Pages pdf J. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. K. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Electronic Book Transfer Discount Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% An eligible policyholder who elects to move their policy from a non-safety company into a Safety rating program and is part of a qualified book transfer meeting the underwriting rules established by the company shall be entitled to a discount described below: Effective 07/15/16 19

80 changed pages pdf Electronic Book Transfer Discount An eligible policyholder who elects to move their policy from a non-safety company into a Safety rating program and is part of a qualified book transfer meeting the underwriting rules established by the company shall be entitled to a discount described below: A first-time policyholder to Safety Insurance Group who (A) elects to transfer their policy as part of an Electronic Book Transfer to Safety 30 days before the policy effective date and (B) is part of a qualified book transfer meeting the underwriting rules established by the company and (C) qualifies under Section K. for New Business Discount for Agency Loyalty on the date of transfer in (A) will be eligible for an Electronic Book Transfer Discount for Parts For policies written as new business prior to 01/01/14: A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. For policies written as new business on or after 01/01/14: A 11% discount will apply for the first year insured with Safety, a 9% discount on the second year insured with Safety, a 7% discount on the third year insured with Safety, a 5% discount on the fourth year insured with Safety, and a 2% discount on the fifth year insured with Safety. Any discounts developed in Rule 19 L. are in addition to discounts developed in other sections of Rule 19. M. Low Frequency Discount A discount will be given on Parts 1, 2, 4 and 5 for vehicles whose rated operator meets certain low frequency requirements: The rated operator has 4 or less merit rating points as defined in Rule 56 Merit Rating Plan and No claim payment under any of the above coverage parts has been made to or on behalf of the rated operator in connection with more than one accident during the three years preceding the effective date of the policy. Effective 06/01/15 20

81 MA PPA Changed Pages pdf A first-time policyholder to Safety Insurance Group who (A) elects to transfer their policy as part of an Electronic Book Transfer to Safety 30 days before the policy effective date and (B) is part of a qualified book transfer meeting the underwriting rules established by the company and (C) qualifies under Section K. for New Business Discount for Agency Loyalty on the date of transfer in (A) will be eligible for an Electronic Book Transfer Discount for Parts For policies written as new business prior to 01/01/14: A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. For policies written as new business on or after 01/01/14: A 11% discount will apply for the first year insured with Safety, a 9% discount on the second year insured with Safety, a 7% discount on the third year insured with Safety, a 5% discount on the fourth year insured with Safety, and a 2% discount on the fifth year insured with Safety. Any discounts developed in Rule 19 L. are in addition to discounts developed in other sections of Rule 19. L. Low Frequency Discount A discount will be given on Parts 1, 2, 4 and 5 for vehicles whose rated operator meets certain low frequency requirements: The rated operator has 4 or less merit rating points as defined in Rule 56 Merit Rating Plan and No claim payment under any of the above coverage parts has been made to or on behalf of the rated operator in connection with more than one accident during the three years preceding the effective date of the policy. Effective 07/15/16 20

82 changed pages pdf 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by +.15 for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by +.15 for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 06/01/15 23

83 MA PPA Changed Pages pdf 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 07/15/16 23

84 changed pages pdf C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A Effective 06/01/15 26

85 MA PPA Changed Pages pdf C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A 28 A A A B B B B A Effective 07/15/16 26

86 changed pages pdf 28 A A A B B B B A 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A A 38 A A B A A C B A 39 A A B A A D A A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A A 46 A A B A B C B A 47 A A B A B D A A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A A 54 A A B B A C B A 55 A A B B A D A A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A A 62 A A B B B C B A 63 A A B B B D A A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A A 70 A A C A A C B A 71 A A C A A D A A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A Effective 06/01/15 27

87 MA PPA Changed Pages pdf 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A 1 A 38 A A B A A C B A 39 A A B A A D A 1 A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A 1.1 A 46 A A B A B C B A 47 A A B A B D A 1.1 A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A 1 A 54 A A B B A C B A 55 A A B B A D A 1 A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A 1.1 A 62 A A B B B C B A 63 A A B B B D A 1.1 A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A 1 A 70 A A C A A C B A 71 A A C A A D A 1 A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A 1.1 A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A 81 A A C B A A A A Effective 07/15/16 27

88 changed pages pdf 81 A A C B A A A A 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A A 86 A A C B A C B A 87 A A C B A D A A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A A 102 A A D A A C B A 103 A A D A A D A A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A A 118 A A D B A C B A 119 A A D B A D A A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A A Effective 06/01/15 28

89 MA PPA Changed Pages pdf 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A 1 A 86 A A C B A C B A 87 A A C B A D A 1 A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A 1.1 A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A 1 A 102 A A D A A C B A 103 A A D A A D A 1 A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A 1.1 A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A 1 A 118 A A D B A C B A 119 A A D B A D A 1 A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A 1.1 A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A 1 A 134 A A E A A C B A Effective 07/15/16 28

90 changed pages pdf 134 A A E A A C B A 135 A A E A A D A A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A A 140 A A E A B B B A 141 A A E A B C A A 142 A A E A B C B A 143 A A E A B D A A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A A 150 A A E B A C B A 151 A A E B A D A A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A A 156 A A E B B B B A 157 A A E B B C A A 158 A A E B B C B A 159 A A E B B D A A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A A 166 A A F A A C B A 167 A A F A A D A A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A A 172 A A F A B B B A 173 A A F A B C A A 174 A A F A B C B A 175 A A F A B D A A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A A 182 A A F B A C B A 183 A A F B A D A A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A Effective 06/01/15 29

91 MA PPA Changed Pages pdf 135 A A E A A D A 1 A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A 1.02 A 140 A A E A B B B A 141 A A E A B C A 1.01 A 142 A A E A B C B A 143 A A E A B D A 1.01 A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A 1 A 150 A A E B A C B A 151 A A E B A D A 1 A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A 1.02 A 156 A A E B B B B A 157 A A E B B C A 1.01 A 158 A A E B B C B A 159 A A E B B D A 1.01 A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A 1 A 166 A A F A A C B A 167 A A F A A D A 1 A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A 1.02 A 172 A A F A B B B A 173 A A F A B C A 1.1 A 174 A A F A B C B A 175 A A F A B D A 1.1 A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A 1 A 182 A A F B A C B A 183 A A F B A D A 1 A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A 187 A A F B B B A 1.02 A Effective 07/15/16 29

92 changed pages pdf 187 A A F B B B A A 188 A A F B B B B A 189 A A F B B C A A 190 A A F B B C B A 191 A A F B B D A A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A A 238 A B B A B C B A 239 A B B A B D A A Effective 06/01/15 30

93 MA PPA Changed Pages pdf 188 A A F B B B B A 189 A A F B B C A 1.1 A 190 A A F B B C B A 191 A A F B B D A 1.1 A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A 1.02 A 238 A B B A B C B A 239 A B B A B D A 1.02 A 240 A B B A B D B A Effective 07/15/16 30

94 changed pages pdf 240 A B B A B D B A 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A A 254 A B B B B C B A 255 A B B B B D A A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A A 262 A B C A A C B A 263 A B C A A D A A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A A 268 A B C A B B B A 269 A B C A B C A A 270 A B C A B C B A 271 A B C A B D A A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A A 278 A B C B A C B A 279 A B C B A D A A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A A 284 A B C B B B B A 285 A B C B B C A A 286 A B C B B C B A 287 A B C B B D A A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A Effective 06/01/15 31

95 MA PPA Changed Pages pdf 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A 1.02 A 254 A B B B B C B A 255 A B B B B D A 1.02 A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A 1 A 262 A B C A A C B A 263 A B C A A D A 1 A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A 1.1 A 268 A B C A B B B A 269 A B C A B C A 1.01 A 270 A B C A B C B A 271 A B C A B D A 1.01 A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A 1 A 278 A B C B A C B A 279 A B C B A D A 1 A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A 1.1 A 284 A B C B B B B A 285 A B C B B C A 1.01 A 286 A B C B B C B A 287 A B C B B D A 1.01 A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A 293 A B D A A C A 1 A Effective 07/15/16 31

96 changed pages pdf 293 A B D A A C A A 294 A B D A A C B A 295 A B D A A D A A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A A 300 A B D A B B B A 301 A B D A B C A A 302 A B D A B C B A 303 A B D A B D A A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A A 310 A B D B A C B A 311 A B D B A D A A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A A 316 A B D B B B B A 317 A B D B B C A A 318 A B D B B C B A 319 A B D B B D A A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A A 324 A B E A A B B A 325 A B E A A C A A 326 A B E A A C B A 327 A B E A A D A A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A A 332 A B E A B B B A 333 A B E A B C A A 334 A B E A B C B A 335 A B E A B D A A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A A 340 A B E B A B B A 341 A B E B A C A A 342 A B E B A C B A 343 A B E B A D A A 344 A B E B A D B A 345 A B E B B A A A Effective 06/01/15 32

97 MA PPA Changed Pages pdf 294 A B D A A C B A 295 A B D A A D A 1 A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A 1.1 A 300 A B D A B B B A 301 A B D A B C A 1.01 A 302 A B D A B C B A 303 A B D A B D A 1.01 A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A 1 A 310 A B D B A C B A 311 A B D B A D A 1 A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A 1.1 A 316 A B D B B B B A 317 A B D B B C A 1.01 A 318 A B D B B C B A 319 A B D B B D A 1.01 A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A 1 A 324 A B E A A B B A 325 A B E A A C A 1 A 326 A B E A A C B A 327 A B E A A D A 1 A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A 1.1 A 332 A B E A B B B A 333 A B E A B C A 1.02 A 334 A B E A B C B A 335 A B E A B D A 1.02 A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A 1 A 340 A B E B A B B A 341 A B E B A C A 1 A 342 A B E B A C B A 343 A B E B A D A 1 A 344 A B E B A D B A 345 A B E B B A A A 346 A B E B B A B A Effective 07/15/16 32

98 changed pages pdf 346 A B E B B A B A 347 A B E B B B A A 348 A B E B B B B A 349 A B E B B C A A 350 A B E B B C B A 351 A B E B B D A A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A A 364 A B F A B B B A 365 A B F A B C A A 366 A B F A B C B A 367 A B F A B D A A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A A 380 A B F B B B B A 381 A B F B B C A A 382 A B F B B C B A 383 A B F B B D A A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A Effective 06/01/15 33

99 MA PPA Changed Pages pdf 347 A B E B B B A 1.1 A 348 A B E B B B B A 349 A B E B B C A 1.02 A 350 A B E B B C B A 351 A B E B B D A 1.02 A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A 1.02 A 364 A B F A B B B A 365 A B F A B C A 1.1 A 366 A B F A B C B A 367 A B F A B D A 1.1 A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A 1.02 A 380 A B F B B B B A 381 A B F B B C A 1.1 A 382 A B F B B C B A 383 A B F B B D A 1.1 A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A 1.02 A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A 399 B A A A B D A A Effective 07/15/16 33

100 changed pages pdf 399 B A A A B D A A 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A A 422 B A B A A C B A 423 B A B A A D A A 424 B A B A A D B A 425 B A B A B A A A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A A 430 B A B A B C B A 431 B A B A B D A A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A A 438 B A B B A C B A 439 B A B B A D A A 440 B A B B A D B A 441 B A B B B A A A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A A 446 B A B B B C B A 447 B A B B B D A A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A Effective 06/01/15 34

101 MA PPA Changed Pages pdf 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A 1.02 A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A 1.1 A 422 B A B A A C B A 423 B A B A A D A 1.1 A 424 B A B A A D B A 425 B A B A B A A 1.2 A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A 1.2 A 430 B A B A B C B A 431 B A B A B D A 1.2 A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A 1.1 A 438 B A B B A C B A 439 B A B B A D A 1.1 A 440 B A B B A D B A 441 B A B B B A A 1.2 A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A 1.2 A 446 B A B B B C B A 447 B A B B B D A 1.2 A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A 452 B A C A A B B 1.1 A Effective 07/15/16 34

102 changed pages pdf 452 B A C A A B B A 453 B A C A A C A A 454 B A C A A C B A 455 B A C A A D A A 456 B A C A A D B A 457 B A C A B A A A 458 B A C A B A B A 459 B A C A B B A A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B A 469 B A C B A C A A 470 B A C B A C B A 471 B A C B A D A A 472 B A C B A D B A 473 B A C B B A A A 474 B A C B B A B A 475 B A C B B B A A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B A 485 B A D A A C A A 486 B A D A A C B A 487 B A D A A D A A 488 B A D A A D B A 489 B A D A B A A A 490 B A D A B A B A 491 B A D A B B A A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B A 501 B A D B A C A A 502 B A D B A C B A 503 B A D B A D A A 504 B A D B A D B A Effective 06/01/15 35

103 MA PPA Changed Pages pdf 453 B A C A A C A 1.1 A 454 B A C A A C B A 455 B A C A A D A 1.1 A 456 B A C A A D B A 457 B A C A B A A 1.05 A 458 B A C A B A B A 459 B A C A B B A 1.1 A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B 1.1 A 469 B A C B A C A 1.1 A 470 B A C B A C B A 471 B A C B A D A 1.1 A 472 B A C B A D B A 473 B A C B B A A 1.05 A 474 B A C B B A B A 475 B A C B B B A 1.1 A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B 1.1 A 485 B A D A A C A 1.1 A 486 B A D A A C B A 487 B A D A A D A 1.1 A 488 B A D A A D B A 489 B A D A B A A 1.05 A 490 B A D A B A B A 491 B A D A B B A 1.1 A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B 1.1 A 501 B A D B A C A 1.1 A 502 B A D B A C B A 503 B A D B A D A 1.1 A 504 B A D B A D B A 505 B A D B B A A 1.05 A Effective 07/15/16 35

104 changed pages pdf 505 B A D B B A A A 506 B A D B B A B A 507 B A D B B B A A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B A 551 B A F A A D A A 552 B A F A A D B A 553 B A F A B A A A 554 B A F A B A B A 555 B A F A B B A A 556 B A F A B B B A 557 B A F A B C A A Effective 06/01/15 36

105 MA PPA Changed Pages pdf 506 B A D B B A B A 507 B A D B B B A 1.1 A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B 1.02 A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A 1.1 A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B 1.02 A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A 1.1 A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B 1.02 A 551 B A F A A D A A 552 B A F A A D B 1.02 A 553 B A F A B A A A 554 B A F A B A B 1.05 A 555 B A F A B B A A 556 B A F A B B B 1.2 A 557 B A F A B C A A 558 B A F A B C B 1.1 A Effective 07/15/16 36

106 changed pages pdf 558 B A F A B C B A 559 B A F A B D A A 560 B A F A B D B A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B A 567 B A F B A D A A 568 B A F B A D B A 569 B A F B B A A A 570 B A F B B A B A 571 B A F B B B A A 572 B A F B B B B A 573 B A F B B C A A 574 B A F B B C B A 575 B A F B B D A A 576 B A F B B D B A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A B 602 B B A B B A B B 603 B B A B B B A B 604 B B A B B B B B 605 B B A B B C A B 606 B B A B B C B B 607 B B A B B D A B 608 B B A B B D B B 609 B B B A A A A A 610 B B B A A A B A Effective 06/01/15 37

107 MA PPA Changed Pages pdf 559 B A F A B D A A 560 B A F A B D B 1.1 A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B 1.02 A 567 B A F B A D A A 568 B A F B A D B 1.02 A 569 B A F B B A A A 570 B A F B B A B 1.05 A 571 B A F B B B A A 572 B A F B B B B 1.2 A 573 B A F B B C A A 574 B A F B B C B 1.1 A 575 B A F B B D A A 576 B A F B B D B 1.1 A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A 1 B 602 B B A B B A B 1 B 603 B B A B B B A 1 B 604 B B A B B B B 1 B 605 B B A B B C A 1 B 606 B B A B B C B 1 B 607 B B A B B D A 1 B 608 B B A B B D B 1 B 609 B B B A A A A A 610 B B B A A A B A 611 B B B A A B A A Effective 07/15/16 37

108 changed pages pdf 611 B B B A A B A A 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A A 622 B B B A B C B A 623 B B B A B D A A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A B 634 B B B B B A B B 635 B B B B B B A B 636 B B B B B B B B 637 B B B B B C A B 638 B B B B B C B B 639 B B B B B D A B 640 B B B B B D B B 641 B B C A A A A A 642 B B C A A A B A 643 B B C A A B A A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A A 650 B B C A B A B A 651 B B C A B B A A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A A 658 B B C B A A B A 659 B B C B A B A A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A Effective 06/01/15 38

109 MA PPA Changed Pages pdf 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A 1.2 A 622 B B B A B C B A 623 B B B A B D A 1.2 A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A 1 B 634 B B B B B A B 1 B 635 B B B B B B A 1 B 636 B B B B B B B 1 B 637 B B B B B C A 1 B 638 B B B B B C B 1 B 639 B B B B B D A 1 B 640 B B B B B D B 1 B 641 B B C A A A A 1.07 A 642 B B C A A A B 1.3 A 643 B B C A A B A 1.07 A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A 1.1 A 650 B B C A B A B A 651 B B C A B B A 1.1 A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A 1.07 A 658 B B C B A A B 1.3 A 659 B B C B A B A 1.07 A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A 664 B B C B A D B A Effective 07/15/16 38

110 changed pages pdf 664 B B C B A D B A 665 B B C B B A A B 666 B B C B B A B B 667 B B C B B B A B 668 B B C B B B B B 669 B B C B B C A B 670 B B C B B C B B 671 B B C B B D A B 672 B B C B B D B B 673 B B D A A A A A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A A 678 B B D A A C B A 679 B B D A A D A A 680 B B D A A D B A 681 B B D A B A A A 682 B B D A B A B A 683 B B D A B B A A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A A 694 B B D B A C B A 695 B B D B A D A A 696 B B D B A D B A 697 B B D B B A A A 698 B B D B B A B A 699 B B D B B B A A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B A 715 B B E A B B A A 716 B B E A B B B A Effective 06/01/15 39

111 MA PPA Changed Pages pdf 665 B B C B B A A 1 B 666 B B C B B A B 1 B 667 B B C B B B A 1 B 668 B B C B B B B 1 B 669 B B C B B C A 1 B 670 B B C B B C B 1 B 671 B B C B B D A 1 B 672 B B C B B D B 1 B 673 B B D A A A A 1 A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A 1.1 A 678 B B D A A C B A 679 B B D A A D A 1.1 A 680 B B D A A D B A 681 B B D A B A A 1.05 A 682 B B D A B A B A 683 B B D A B B A 1.1 A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A 1 A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A 1.1 A 694 B B D B A C B A 695 B B D B A D A 1.1 A 696 B B D B A D B A 697 B B D B B A A 1.05 A 698 B B D B B A B A 699 B B D B B B A 1.1 A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B 1.1 A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B 1.2 A 715 B B E A B B A 1.1 A 716 B B E A B B B A 717 B B E A B C A A Effective 07/15/16 39

112 changed pages pdf 717 B B E A B C A A 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B A 731 B B E B B B A A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B A 743 B B F A A D A A 744 B B F A A D B A 745 B B F A B A A A 746 B B F A B A B A 747 B B F A B B A A 748 B B F A B B B A 749 B B F A B C A A 750 B B F A B C B A 751 B B F A B D A A 752 B B F A B D B A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B A 759 B B F B A D A A 760 B B F B A D B A 761 B B F B B A A A 762 B B F B B A B A 763 B B F B B B A A 764 B B F B B B B A 765 B B F B B C A A 766 B B F B B C B A 767 B B F B B D A A 768 B B F B B D B A Effective 06/01/15 40

113 MA PPA Changed Pages pdf 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B 1.1 A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B 1.2 A 731 B B E B B B A 1.1 A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B 1.02 A 743 B B F A A D A A 744 B B F A A D B 1.02 A 745 B B F A B A A A 746 B B F A B A B 1.05 A 747 B B F A B B A A 748 B B F A B B B 1.1 A 749 B B F A B C A A 750 B B F A B C B 1.1 A 751 B B F A B D A A 752 B B F A B D B 1.1 A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B 1.02 A 759 B B F B A D A A 760 B B F B A D B 1.02 A 761 B B F B B A A A 762 B B F B B A B 1.05 A 763 B B F B B B A A 764 B B F B B B B 1.1 A 765 B B F B B C A A 766 B B F B B C B 1.1 A 767 B B F B B D A A 768 B B F B B D B 1.1 A Effective 07/15/16 40

114 changed pages pdf 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 06/01/15 44

115 MA PPA Changed Pages pdf 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. c. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 07/15/16 44

116 changed pages pdf RULE 55. PRE-INSURANCE INSPECTION PROGRAM General Laws Chapter 175, section 113S, and the implementing regulation, 211 CMR 94.00, require the pre-insurance inspection of private passenger motor vehicles. Eligibility Unless specifically exempted or waived, all private passenger motor vehicles and pick-ups or vans having a gross vehicle weight up to 10,000 pounds are required to be inspected by Safety prior to the issuance of physical damage coverages by Safety. Safety s decision to require an inspection in situations that are otherwise waived or exempt will be based on underwriting criteria uniformly applied, and such decision will be supported by objective facts. The decision to require such an inspection shall not be based on the age, race, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of the applicant or the customary operators of the motor vehicle, the principal place where the motor vehicle is garaged, or the fact that the policy has been assigned to Safety through the Massachusetts Automobile Insurance Plan. Exemptions to the Inspection Requirement An inspection shall not be required if: 1. The motor vehicle is a new, unused motor vehicle from a franchised automobile dealership where Safety is provided with either: a copy of the bill of sale which contains a full description of the motor vehicle, including all options and accessories; or a copy of the RMV Form 1 provided by the Registry of Motor Vehicles, which establishes the transfer of ownership from the dealer to the customer and a copy of the window sticker or the dealer invoice showing the itemized options and equipment in addition to the total retail price of the vehicle. 2. The applicant has been insured for the three years or longer, without interruption, under a motor vehicle liability policy or policies which include(s) physical damage coverage, issued by the insurer to which the application is submitted. 3. The inspection is waived by Safety. 4. Any private passenger motor vehicle that is not owned by the applicant, but is used by the applicant, with the permission of the owner, is a temporary substitute due to breakdown, repair, servicing, loss or destruction of the applicant s own motor vehicle. 5. The motor vehicle is leased less than six months, provided Safety receives the lease or rental agreement containing a description of the leased motor vehicle, including its condition. 6. The inspection would cause a serious hardship to Safety or the applicant. 7. Safety has no inspection facility or authorized representative either in the city or town in which the motor vehicle is principally garaged or within five miles of said city or town. Safety shall maintain a written record of its reasons for requiring an inspection in situations that are otherwise exempt in the applicant's policy record. Waiver of Inspection An inspection may be waived if any of the following apply: 1. All listed operators have a merit rating response of less than 16 points. 2. The motor vehicle is ten or more years older than the current calendar year for all policies issued or renewed during the current calendar year. Example: For policies issued or renewed during calendar year 2010, inspection of all 2000 and older model year vehicles may be waived. 3. A non-owned vehicle is insured under a policy providing physical damage coverage issued by Safety which has inspected such motor vehicle in accordance with the provisions of this regulation. Effective 06/01/15 60

117 MA PPA Changed Pages pdf RULE 55. PRE-INSURANCE INSPECTION PROGRAM Pre-insurance inspections will be waived for all vehicles insured under a policy. This rule will apply uniformly to all insureds. Effective 07/15/16 60

118 changed pages pdf 4. The applicant has had continuous auto insurance coverage for the prior 12 months and has a valid Massachusetts Drivers license; the exception to this would be if an applicant is adding physical damage coverage to an existing vehicle listed on the policy an inspection is required. Safety shall maintain a written record of its reasons for not waiving an inspection in situations where it is permitted in the applicant's policy record. Deferral of Inspection Safety may defer an inspection for ten calendar days (not including legal holidays and Sundays) following the effective date of coverage if an inspection at the time of the request for coverage would create a serious inconvenience for the applicant. If Safety, pursuant to Rule 27 of the MAIP Rules of Operation, is required to provide physical damage coverage at the option of the applicant, it shall provide physical damage coverage as requested by the applicant, and may defer the inspection for ten calendar days (not including legal holidays and Sundays). Inspection Procedures Inspections required or permitted shall be made by a designated authorized representative of Safety at a time and place reasonably convenient to the applicant. Safety will retain the original report and photographs for three years except as provided by the Regulation. Safety shall maintain an up-to-date list of all its authorized representatives and inspection sites. RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous Effective 06/01/15 61

119 MA PPA Changed Pages pdf RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. For accidents occurring prior to July 1, 2015, an at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. For accidents occurring on or after July 1, 2015, an at-fault accident is defined as minor only if it resulted in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of more than $1,000 and up to $5,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $5,000. Effective 07/15/16 61

120 changed pages pdf insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. An at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 06/01/15 62

121 MA PPA Changed Pages pdf If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 07/15/16 62

122 changed pages pdf Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 50-57, or 30) Parts 1, 2, and 4 Part 5 Part 7 Inexperienced Operators (All Other Rate Classes) Parts 1, 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 06/01/15 63

123 MA PPA Changed Pages pdf Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators Inexperienced Operators (Rate Class 50-57, or 30) (All Other Rate Classes) Parts 1, Parts 1, 2, and 4 Part 5 Part 7 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 07/15/16 63

124 changed pages pdf Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 06/01/15 64

125 MA PPA Changed Pages pdf Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 07/15/16 64

126 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 2

127 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory , , , , , , , , , , , , , , , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 2

128 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 3

129 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 3

130 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 4

131 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 4

132 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 5

133 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 5

134 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory , ,097 1,044 1, ,095 1,042 1, ,154 1,099 1, , ,170 1,114 1, ,053 1, ,193 1,135 1, ,073 1,022 1, ,275 1,214 1, ,147 1,093 1, ,206 1,149 1, ,086 1,034 1, ,188 1,131 1, ,069 1, ,209 1,152 1, ,089 1,037 1, ,183 1,127 1, ,065 1, ,210 1,153 1, ,090 1,038 1, ,398 1,331 1, ,258 1,198 1, ,327 1,263 1,238 1,104 1,052 1,031 1,194 1,137 1, ,452 1,383 1, ,307 1,245 1, ,599 1,522 1, ,439 1,370 1, ,190 1,133 1, ,071 1,020 1, ,313 1,251 1, ,182 1,126 1, ,213 1,156 1, ,092 1,040 1, ,586 1,511 1, ,428 1,360 1, , ,363 1,297 1,272 1,064 1, ,227 1,167 1, , ,561 1,487 1,458 1,191 1,134 1,112 1,405 1,338 1,312 1,071 1,021 1, ,378 1,313 1, ,240 1,182 1, ,241 1,182 1, ,118 1,064 1, ,405 1,338 1, ,265 1,204 1, , ,638 1,560 1,529 1, ,474 1,404 1, ,189 1,132 1, ,070 1, ,187 1,130 1, ,068 1, ,295 1,233 1, ,165 1,110 1, ,518 1,445 1, ,367 1,301 1, ,290 1,228 1, ,161 1,105 1, ,445 1,376 1, ,301 1,238 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 6

135 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory ,134 1, , ,186 1,097 1, , ,184 1,095 1, , ,248 1,155 1, ,122 1, ,265 1,170 1, ,139 1,023 1, ,290 1,192 1, ,160 1,042 1, ,379 1,275 1, ,240 1,115 1, ,304 1,207 1, ,174 1,055 1, ,284 1,188 1, ,156 1,038 1, ,307 1,210 1, ,177 1,058 1, ,279 1,184 1, ,151 1,034 1, ,308 1,211 1, ,179 1,059 1, ,512 1,398 1, ,360 1,222 1, ,435 1,327 1,263 1,194 1,105 1,052 1,291 1,160 1,136 1, , ,570 1,453 1,383 1,080 1, ,413 1,270 1, , ,729 1,599 1, ,556 1,397 1, ,287 1,190 1, ,158 1,040 1, ,420 1,314 1, ,278 1,149 1, ,311 1,214 1, ,181 1,061 1, , ,715 1,587 1,511 1, ,544 1,387 1, , ,474 1,363 1,297 1,150 1,064 1,013 1,327 1,190 1, ,110 1, ,688 1,562 1,487 1,288 1,191 1,134 1,519 1,365 1,338 1,103 1,041 1, ,490 1,379 1, ,341 1,206 1, ,342 1,242 1, ,209 1,085 1, ,519 1,406 1, ,368 1,228 1, ,108 1, ,771 1,639 1,560 1,111 1, ,594 1,432 1, , , ,286 1,189 1, ,157 1,039 1, ,283 1,187 1, ,155 1,037 1, ,400 1,295 1, ,260 1,132 1, ,641 1,518 1,445 1, ,478 1,327 1, ,395 1,290 1, ,255 1,127 1, ,562 1,446 1,376 1, ,407 1,263 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 6

136 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 7

137 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/15/16 R - 7

138 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 8

139 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 8

140 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 9

141 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 9

142 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 06/01/15 R - 11

143 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 07/15/16 R - 11

144 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 18

145 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 18

146 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 19

147 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 07/15/16 R - 19

148 changed pages pdf Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account, renewal, agency loyalty, e-customer, electronic book transfer, age 65 or older) Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply applicable discounts in the order that Rule 11 specifies 6) Apply Merit Rating adjustment The premium for each exposure shall be rounded to the nearest whole dollar at the end of each step. (Rounding should occur after the application of each discount.) Effective 06/01/15 M-12

149 MA PPA Changed Pages pdf Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account credit, age 65 and older, renewal credit, agency loyalty, e-customer, electronic book transfer) The Motorcycle Rider Training Program Discount and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. The remaining discounts will not be rounded. Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Anti-Theft Discount Account Credit Discount (Safety Account Credit Discount only) Motorcycle Rider Training Program Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Rounding should occur after the application of each discount. Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply all applicable discounts as specified above (including the Maximum Combined Discounts cap) 6) Apply Merit Rating adjustment Rounding should occur after each step. See the discount sections above for the specific rounding rules for the discount step. Effective 07/15/16 M-12

150 changed pages pdf Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 10% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 06/01/15 RS-1

151 MA PPA Changed Pages pdf Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 11% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 07/15/16 RS-1

152 changed pages pdf Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Hybrid Automobile Discount: 5% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 06/01/15 RS-2

153 MA PPA Changed Pages pdf Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 07/15/16 RS-2

154 changed pages pdf HIGH THEFT VEHICLE LIST (Effective 08/01/14) Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2014-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CHEVROLET MDX WAGON 4 DOOR/4x4 13 AVALANCHE C1500 LT SPORT PICKUP/Rear 14 MDX WAGON 4 DOOR/AWD AVALANCHE C1500 LT UTILITY/Rear MDX ADVANCE WAGON 4 DOOR/4x4 13 AVALANCHE K1500 LT SPORT PICKUP/4x4 14 MDX ADVANCE WAGON 4 DOOR/AWD AVALANCHE K1500 LT UTILITY/4x MDX TECH WAGON 4 DOOR/AWD AVALANCHE LS UTILITY/4x TL AWD SEDAN 4 DOOR/AWD AVALANCHE LS UTILITY/Rear 12 TL AWD ADVANCE SEDAN 4 DOOR/AWD AVALANCHE LTZ UTILITY/4x TL AWD TECH SEDAN 4 DOOR/AWD AVALANCHE LTZ UTILITY/Rear 12 C1500 SILVERADO CREW PICKUP/Rear 11 AUDI C1500 SUBURBAN WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS CONVERTIBLE/AWD C1500 SUBURBAN LS WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD C1500 SUBURBAN LT WAGON 4 DOOR/Rear A5 QUATTRO PREMIUM CONVERTIBLE/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear A5 QUATTRO PREMIUM COUPE/AWD CAMARO LT CONVERTIBLE/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD CAMARO LT COUPE/Rear A5 QUATTRO PRESTIGE COUPE/AWD CAMARO SS CONVERTIBLE/Rear Q7 PREMIUM WAGON 4 DOOR/AWD CAMARO SS COUPE/Rear Q7 PREMIUM PLUS WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear 15 Q7 PRESTIGE WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear CAMARO ZL1 COUPE/Rear BMW COLORADO CREW PICKUP/4x I CONVERTIBLE/Rear 14 COLORADO 1LT CREW PICKUP/4x I COUPE/Rear 14 COLORADO 2LT CREW PICKUP/4x I SULEV CONVERTIBLE/Rear 14 CORVETTE CONVERTIBLE/Rear I SULEV COUPE/Rear 14 CORVETTE COUPE/Rear XI COUPE/AWD 14 CORVETTE 1LT CONVERTIBLE/Rear XI SULEV COUPE/AWD 14 CORVETTE 1LT COUPE/Rear I CONVERTIBLE/Rear 14 CORVETTE 1LT Z5I CONVERTIBLE/Rear I COUPE/Rear 14 CORVETTE 1LT Z5I COUPE/Rear I SULEV CONVERTIBLE/Rear 14 CORVETTE 2LT CONVERTIBLE/Rear I SULEV COUPE/Rear 14 CORVETTE 2LT COUPE/Rear XI COUPE/AWD 14 CORVETTE 2LT Z5I CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 2LT Z5I COUPE/Rear D XDRIVE SEDAN 4 DOOR/AWD 15 CORVETTE 3LT CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 3LT COUPE/Rear XI GT HATCHBACK 4 DOOR/AWD CORVETTE 3LT Z5I CONVERTIBLE/Rear I XI GT HATCHBACK 4 DOOR/AWD CORVETTE 3LT Z5I COUPE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 427 CONVERTIBLE/Rear 14 X5 M WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CORVETTE GRAND SPORT COUPE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CORVETTE Z06 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear IMPALA LT SEDAN 4 DOOR/Front 11 BUICK IMPALA LTZ SEDAN 4 DOOR/Front LACROSSE SEDAN 4 DOOR/Front 15 IMPALA POLICE SEDAN 4 DOOR/Front 11 LACROSSE AWD SEDAN 4 DOOR/Front 15 K1500 SILVERADO 4 DOOR EXT CAB PK/4x4 11 LACROSSE PREMIUM SEDAN 4 DOOR/Front 15 K1500 SILVERADO CREW PICKUP/4x4 11 LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD 15 K1500 SILVERADO PICKUP/4x4 11 LACROSSE TOURING SEDAN 4 DOOR/Front 15 K1500 SILVERADO HYBRID CREW PICKUP/4x4 11 LACROSSE W/EASSIST SEDAN 4 DOOR/Front 15 K1500 SUBURBAN WAGON 4 DOOR/4x K1500 SUBURBAN LS WAGON 4 DOOR/4x CADILLAC K1500 SUBURBAN LT WAGON 4 DOOR/4x DTS SEDAN 4 DOOR/Front K1500 SUBURBAN LTZ WAGON 4 DOOR/4x DTS LUXURY COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN WAGON 4 DOOR/4x4 14 DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 ESCALADE WAGON 4 DOOR/AWD SILVERADO C DOOR EXT CAB PK/Rear ESCALADE WAGON 4 DOOR/Rear SILVERADO C1500 CREW PICKUP/Rear ESCALADE ESV WAGON 4 DOOR/AWD SILVERADO C1500 PICKUP/Rear ESCALADE ESV WAGON 4 DOOR/Rear SILVERADO C1500 HIGH COUN CREW PICKUP/Rear 15 ESCALADE ESV LUXURY WAGON 4 DOOR/AWD SILVERADO C1500 HYBRID CREW PICKUP/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD SILVERADO C1500 LS CREW PICKUP/Rear ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD SILVERADO C1500 LT CREW PICKUP/Rear ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear SILVERADO C1500 LT PICKUP/Rear ESCALADE EXT SPORT PICKUP/AWD SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear ESCALADE EXT UTILITY/AWD SILVERADO C1500 LTZ CREW PICKUP/Rear ESCALADE EXT LUXURY SPORT PICKUP/AWD SILVERADO K1500 CREW PICKUP/4x ESCALADE EXT LUXURY UTILITY/AWD SILVERADO K1500 PICKUP/4x ESCALADE EXT PREMIUM SPORT PICKUP/AWD SILVERADO K1500 HIGH COUN CREW PICKUP/4x4 15 ESCALADE EXT PREMIUM UTILITY/AWD SILVERADO K1500 HYBRID CREW PICKUP/4x ESCALADE HYBRID WAGON 4 DOOR/4x4 14 SILVERADO K1500 LS 4 DOOR EXT CAB PK/4x4 11 ESCALADE HYBRID WAGON 4 DOOR/AWD SILVERADO K1500 LS CREW PICKUP/4x ESCALADE HYBRID WAGON 4 DOOR/Rear SILVERADO K1500 LT 4 DOOR EXT CAB PK/4x4 11 ESCALADE LUXURY WAGON 4 DOOR/AWD SILVERADO K1500 LT CREW PICKUP/4x ESCALADE LUXURY WAGON 4 DOOR/Rear SILVERADO K1500 LT PICKUP/4x ESCALADE PLATINUM WAGON 4 DOOR/AWD SILVERADO K1500 LTZ 4 DOOR EXT CAB PK/4x4 11 ESCALADE PLATINUM WAGON 4 DOOR/Rear SILVERADO K1500 LTZ CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 SILVERADO K2500HD CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD SILVERADO K2500HD LT CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear SILVERADO K2500HD LT PICKUP/4x4 13 ESCALADE PREMIUM WAGON 4 DOOR/AWD SILVERADO K2500HD LTZ CREW PICKUP/4x ESCALADE PREMIUM WAGON 4 DOOR/Rear SILVERADO K3500 CREW PICKUP/4x SILVERADO K3500 LT CREW PICKUP/4x SILVERADO K3500 LTZ CREW PICKUP/4x Effective 06/01/15 HT-1

155 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Effective 8/1/2015 HIGH THEFT VEHICLE LIST Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2015-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CADILLAC (cont'd) MDX WAGON 4 DOOR/4x4 13 ESCALADE EXT LUXURY SPORT PICKUP/AWD MDX WAGON 4 DOOR/AWD ESCALADE EXT LUXURY UTILITY/AWD 12 MDX ADVANCE WAGON 4 DOOR/4x4 13 ESCALADE EXT PREMIUM SPORT PICKUP/AWD MDX ADVANCE WAGON 4 DOOR/AWD ESCALADE EXT PREMIUM UTILITY/AWD 12 MDX TECH WAGON 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/4x4 14 TL AWD SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/AWD TL AWD ADVANCE SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/Rear TL AWD TECH SEDAN 4 DOOR/AWD ESCALADE LUXURY WAGON 4 DOOR/4x4 16 TLX SEDAN 4 DOOR/Front 16 ESCALADE LUXURY WAGON 4 DOOR/AWD TLX ADVANCE SEDAN 4 DOOR/AWD 16 ESCALADE LUXURY WAGON 4 DOOR/Rear TLX ADVANCE SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/4x4 16 TLX TECH SEDAN 4 DOOR/AWD 16 ESCALADE PLATINUM WAGON 4 DOOR/AWD TLX TECH SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/Rear ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 AUDI ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD A5 QUATTRO PREM PLUS CONVERTIBLE/AWD ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/4x4 16 A5 QUATTRO PREMIUM CONVERTIBLE/AWD ESCALADE PREMIUM WAGON 4 DOOR/AWD A5 QUATTRO PREMIUM COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD XTS SEDAN 4 DOOR/Front 16 A5 QUATTRO PRESTIGE COUPE/AWD XTS DELIVERY SEDAN 4 DOOR/Front 16 A7 PREMIUM PLUS QUATT HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/AWD 16 A7 PREMIUM QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/Front 16 A7 PRESTIGE QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS PLATINUM SEDAN 4 DOOR/AWD 16 Q7 PREMIUM WAGON 4 DOOR/AWD XTS PLATINUM SEDAN 4 DOOR/Front 16 Q7 PREMIUM PLUS WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/AWD 16 Q7 PRESTIGE WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/Front 16 Q7 TDI PREMIUM WAGON 4 DOOR/AWD 16 XTS VSPORT PLATINUM SEDAN 4 DOOR/AWD 16 Q7 TDI PREMIUM PLUS WAGON 4 DOOR/AWD 16 XTS VSPORT PREMIUM SEDAN 4 DOOR/AWD 16 Q7 TDI PRESTIGE WAGON 4 DOOR/AWD 16 CHEVROLET BMW AVALANCHE C1500 LT SPORT PICKUP/Rear I CONVERTIBLE/Rear 14 AVALANCHE C1500 LT UTILITY/Rear I COUPE/Rear 14 AVALANCHE K1500 LT SPORT PICKUP/4x I SULEV CONVERTIBLE/Rear 14 AVALANCHE K1500 LT UTILITY/4x I SULEV COUPE/Rear 14 AVALANCHE LS UTILITY/4x XI COUPE/AWD 14 AVALANCHE LS UTILITY/Rear XI SULEV COUPE/AWD 14 AVALANCHE LTZ UTILITY/4x I CONVERTIBLE/Rear 14 AVALANCHE LTZ UTILITY/Rear I COUPE/Rear 14 C1500 SILVERADO CREW PICKUP/Rear 335I SULEV CONVERTIBLE/Rear 14 C1500 SUBURBAN WAGON 4 DOOR/Rear I SULEV COUPE/Rear 14 C1500 SUBURBAN LS WAGON 4 DOOR/Rear XI COUPE/AWD 14 C1500 SUBURBAN LT WAGON 4 DOOR/Rear XI SEDAN 4 DOOR/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear D XDRIVE SEDAN 4 DOOR/AWD CAMARO LS COUPE/Rear XI SEDAN 4 DOOR/AWD CAMARO LT CONVERTIBLE/Rear XI GT HATCHBACK 4 DOOR/AWD CAMARO LT COUPE/Rear I XI GT HATCHBACK 4 DOOR/AWD CAMARO SS CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CAMARO SS COUPE/Rear X5 M WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CAMARO ZL1 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE CONVERTIBLE/Rear CORVETTE COUPE/Rear BUICK CORVETTE 1LT CONVERTIBLE/Rear LACROSSE SEDAN 4 DOOR/Front CORVETTE 1LT COUPE/Rear LACROSSE AWD SEDAN 4 DOOR/Front CORVETTE 1LT Z5I CONVERTIBLE/Rear LACROSSE PREMIUM SEDAN 4 DOOR/Front CORVETTE 1LT Z5I COUPE/Rear LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD CORVETTE 1LZ Z06 COUPE/Rear 16 LACROSSE TOURING SEDAN 4 DOOR/Front 15 CORVETTE 2LT CONVERTIBLE/Rear LACROSSE W/EASSIST SEDAN 4 DOOR/Front CORVETTE 2LT COUPE/Rear CORVETTE 2LT Z5I CONVERTIBLE/Rear CADILLAC CORVETTE 2LT Z5I COUPE/Rear CTS-V COUPE/Rear 16 CORVETTE 2LZ Z06 CONVERTIBLE/Rear 16 DTS SEDAN 4 DOOR/Front 12 CORVETTE 2LZ Z06 COUPE/Rear 16 DTS LUXURY COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT CONVERTIBLE/Rear DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT COUPE/Rear DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT Z5I CONVERTIBLE/Rear ESCALADE WAGON 4 DOOR/4x4 16 CORVETTE 3LT Z5I COUPE/Rear ESCALADE WAGON 4 DOOR/AWD CORVETTE 3LZ Z06 CONVERTIBLE/Rear 16 ESCALADE WAGON 4 DOOR/Rear CORVETTE 3LZ Z06 COUPE/Rear 16 ESCALADE ESV WAGON 4 DOOR/4x4 16 CORVETTE 427 CONVERTIBLE/Rear 14 ESCALADE ESV WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear ESCALADE ESV WAGON 4 DOOR/Rear CORVETTE GRAND SPORT COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/4x4 16 CORVETTE Z06 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear IMPALA LT SEDAN 4 DOOR/Front 16 ESCALADE ESV PLATINUM WAGON 4 DOOR/4x4 16 IMPALA LTZ SEDAN 4 DOOR/Front ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD K1500 SUBURBAN WAGON 4 DOOR/4x ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear K1500 SUBURBAN LS WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/4x4 16 K1500 SUBURBAN LT WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD K1500 SUBURBAN LTZ WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear K2500 SUBURBAN WAGON 4 DOOR/4x4 14 ESCALADE EXT SPORT PICKUP/AWD K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 ESCALADE EXT UTILITY/AWD 12 K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 Effective 07/15/16 HT-1 Commonwealth Automobile Reinsurers October 1, 2013 HT-1

156 changed pages pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) FORD (cont'd) TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION LTD WAGON 4 DOOR/4x TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/4x TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION XLT WAGON 4 DOOR/4x4 11 TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION XLT WAGON 4 DOOR/Rear 11 TAHOE LT WAGON 4 DOOR/4x EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/4x EXPLORER LIMITED WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/Front EXPLORER SPORT WAGON 4 DOOR/4x CHRYSLER EXPLORER XLT WAGON 4 DOOR/4x SEDAN 4 DOOR/AWD 15 F150 4 DOOR EXT CAB PK/4x SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/Rear LIMITED SEDAN 4 DOOR/Rear F150 CREW PICKUP/4x LIMITED AWD SEDAN 4 DOOR/AWD 11 F150 CREW PICKUP/Rear S SEDAN 4 DOOR/AWD F150 PICKUP/4x S SEDAN 4 DOOR/Rear F150 PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x TOURING SEDAN 4 DOOR/Rear 11 F150 SVT RAPTOR CREW PICKUP/4x TOURING AWD SEDAN 4 DOOR/AWD 11 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C SEDAN 4 DOOR/Rear F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear C AWD SEDAN 4 DOOR/AWD F250 SUPER DUTY CREW PICKUP/4x C SRT-8 SEDAN 4 DOOR/Rear F250 SUPER DUTY CREW PICKUP/Rear C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY PICKUP/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY PICKUP/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 DODGE F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F350 SUPER DUTY CREW PICKUP/4x AVENGER SXT SEDAN 4 DOOR/Front F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SRT8 CORE COUPE/Rear 15 FLEX LIMITED WAGON 4 DOOR/AWD CHARGER SEDAN 4 DOOR/AWD 15 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION HYBRID SEDAN 4 DOOR/Front 11 CHARGER AWD SEDAN 4 DOOR/AWD 11 FUSION S SEDAN 4 DOOR/Front CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE HYBRID SEDAN 4 DOOR/Front 15 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION SEL SEDAN 4 DOOR/Front 11 CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION SEL AWD SEDAN 4 DOOR/AWD 11 CHARGER SXT SEDAN 4 DOOR/Rear FUSION SPORT SEDAN 4 DOOR/Front 11 CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION SPORT AWD SEDAN 4 DOOR/AWD 11 CHARGER V6 SEDAN 4 DOOR/AWD 14 FUSION TITANIUM SEDAN 4 DOOR/Front DURANGO CITADEL WAGON 4 DOOR/Rear 15 FUSION TITANIUM AWD SEDAN 4 DOOR/AWD DURANGO CREW WAGON 4 DOOR/Rear 15 FUSION TITANIUM HYBRID 15 DURANGO R/T WAGON 4 DOOR/Rear 15 FUSION TITANIUM PHEV SEDAN 4 DOOR/Front NITRO DETONATOR WAGON 4 DOOR/4x4 12 MUSTANG CONVERTIBLE/Rear NITRO SHOCK WAGON 4 DOOR/4x4 12 MUSTANG COUPE/Rear NITRO SXT WAGON 4 DOOR/AWD 11 MUSTANG BOSS 302 COUPE/Rear 14 RAM 1500 CREW PICKUP/4x4 12 MUSTANG GT CONVERTIBLE/Rear RAM 1500 CREW PICKUP/Rear 12 MUSTANG GT COUPE/Rear RAM 1500 PICKUP/4x4 12 MUSTANG SHELBY GT500 CONVERTIBLE/Rear RAM 1500 PICKUP/Rear 12 MUSTANG SHELBY GT500 COUPE/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 TAURUS SHO SEDAN 4 DOOR/AWD 11 RAM 1500 QUAD CREW PICKUP/Rear 12 RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 GMC RAM 1500 SLT CREW PICKUP/4x4 13 SIERRA C DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SIERRA C1500 CREW PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SIERRA C1500 PICKUP/Rear 12 RAM 1500 ST CREW PICKUP/4x4 13 SIERRA C1500 DENALI CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SIERRA C1500 HYBRID CREW PICKUP/Rear RAM 2500 CREW PICKUP/4x SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear RAM 2500 CREW PICKUP/Rear 12 SIERRA C1500 SL CREW PICKUP/Rear RAM 2500 PICKUP/4x4 12 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear RAM 2500 PICKUP/Rear 12 SIERRA C1500 SLE CREW PICKUP/Rear RAM 2500 MEGA CAB CREW PICKUP/4x SIERRA C1500 SLE PICKUP/Rear RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear RAM 3500 CREW PICKUP/4x SIERRA C1500 SLT CREW PICKUP/Rear RAM 3500 CREW PICKUP/Rear 12 SIERRA K DOOR EXT CAB PK/4x RAM 3500 PICKUP/4x4 12 SIERRA K1500 CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SIERRA K1500 PICKUP/4x4 12 RAM 3500 MEGA CAB CREW PICKUP/4x SIERRA K1500 DENALI CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SIERRA K1500 HYBRID CREW PICKUP/4x SIERRA K1500 SL CREW PICKUP/4x FORD SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x EXPEDITION EDDIE BAUER WAGON 4 DOOR/4x4 11 SIERRA K1500 SLE CREW PICKUP/4x EXPEDITION EDDIE BAUER WAGON 4 DOOR/Rear 11 SIERRA K1500 SLE PICKUP/4x4 12 EXPEDITION EL EDDIE BAUER WAGON 4 DOOR/4x4 11 SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x EXPEDITION EL EDDIE BAUER WAGON 4 DOOR/Rear 11 SIERRA K1500 SLT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/4x SIERRA K2500 CREW PICKUP/4x4 11 EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x EXPEDITION EL XL WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x EXPEDITION EL XL WAGON 4 DOOR/Rear SIERRA K2500 SLE CREW PICKUP/4x EXPEDITION EL XLT WAGON 4 DOOR/4x4 11 SIERRA K2500 SLT CREW PICKUP/4x EXPEDITION EL XLT WAGON 4 DOOR/Rear 11 Effective 06/01/15 HT-2

157 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) DODGE (cont'd) SILVERADO C DOOR EXT CAB PK/Rear RAM 1500 CREW PICKUP/4x4 12 SILVERADO C1500 CREW PICKUP/Rear RAM 1500 CREW PICKUP/Rear 12 SILVERADO C1500 PICKUP/Rear RAM 1500 PICKUP/4x4 12 SILVERADO C1500 HIGH COUN CREW PICKUP/Rear RAM 1500 PICKUP/Rear 12 SILVERADO C1500 HYBRID CREW PICKUP/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear RAM 1500 QUAD CREW PICKUP/Rear 12 SILVERADO C1500 LS CREW PICKUP/Rear RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/4x4 13 SILVERADO C1500 LT CREW PICKUP/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SILVERADO C1500 LT PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear RAM 1500 ST CREW PICKUP/4x4 13 SILVERADO C1500 LTZ CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SILVERADO K1500 CREW PICKUP/4x RAM 2500 CREW PICKUP/4x4 12 SILVERADO K1500 PICKUP/4x RAM 2500 CREW PICKUP/Rear 12 SILVERADO K1500 HIGH COUN CREW PICKUP/4x RAM 2500 PICKUP/4x4 12 SILVERADO K1500 HYBRID CREW PICKUP/4x RAM 2500 PICKUP/Rear 12 SILVERADO K1500 LS CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K1500 LT CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K1500 LT PICKUP/4x RAM 3500 CREW PICKUP/4x4 12 SILVERADO K1500 LTZ CREW PICKUP/4x RAM 3500 CREW PICKUP/Rear 12 SILVERADO K2500 HIGH COUN CREW PICKUP/4x4 16 RAM 3500 PICKUP/4x4 12 SILVERADO K2500HD CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SILVERADO K2500HD LT CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K2500HD LT PICKUP/4x4 13 RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K2500HD LTZ CREW PICKUP/4x SILVERADO K3500 CREW PICKUP/4x FORD SILVERADO K3500 HIGH COUN CREW PICKUP/4x4 16 EXPEDITION EL LIMITED WAGON 4 DOOR/4x SILVERADO K3500 LT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SILVERADO K3500 LTZ CREW PICKUP/4x EXPEDITION EL PLATINUM WAGON 4 DOOR/4x4 16 TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL PLATINUM WAGON 4 DOOR/Rear 16 TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/4x TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/Rear TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/4x TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/4x4 16 TAHOE LT WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/Rear 16 TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XL WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE POLICE WAGON 4 DOOR/4x4 16 EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/4x CHRYSLER EXPLORER LIMITED WAGON 4 DOOR/Front SEDAN 4 DOOR/AWD 15 EXPLORER SPORT WAGON 4 DOOR/4x SEDAN 4 DOOR/Rear EXPLORER XLT WAGON 4 DOOR/4x LIMITED SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/4x LIMITED AWD SEDAN 4 DOOR/AWD 16 F150 4 DOOR EXT CAB PK/Rear S SEDAN 4 DOOR/AWD F150 CREW PICKUP/4x S SEDAN 4 DOOR/Rear F150 CREW PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 PICKUP/4x C SEDAN 4 DOOR/Rear F150 PICKUP/Rear C AWD SEDAN 4 DOOR/AWD F150 SUPER CAB 4 DOOR EXT CAB PK/4x C PLATINUM SEDAN 4 DOOR/Rear 16 F150 SUPER CAB 4 DOOR EXT CAB PK/Rear C PLATINUM AWD SEDAN 4 DOOR/AWD 16 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x C SRT-8 SEDAN 4 DOOR/Rear F150 SVT RAPTOR CREW PICKUP/4x C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 F250 SUPER DUTY CREW PICKUP/4x DODGE F250 SUPER DUTY CREW PICKUP/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/4x4 12 AVENGER SXT SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 CHALLENGER SCAT PACK COUPE/Rear 16 F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 CHALLENGER SRT 392 COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/4x CHALLENGER SRT HELLCAT COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT8 CORE COUPE/Rear 15 F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SXT COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/AWD CHALLENGER SXT PLUS COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/AWD FUSION S SEDAN 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION S HYBRID SEDAN 4 DOOR/Front 16 CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE AWD SEDAN 4 DOOR/AWD 16 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE HYBRID SEDAN 4 DOOR/Front CHARGER SRT HELLCAT SEDAN 4 DOOR/Rear 16 FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION TITANIUM SEDAN 4 DOOR/Front CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION TITANIUM AWD SEDAN 4 DOOR/AWD CHARGER SXT SEDAN 4 DOOR/Rear FUSION TITANIUM HYBRID SEDAN 4 DOOR/Front CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION TITANIUM PHEV SEDAN 4 DOOR/Front CHARGER V6 SEDAN 4 DOOR/AWD 14 MUSTANG CONVERTIBLE/Rear DURANGO CITADEL WAGON 4 DOOR/AWD 16 MUSTANG COUPE/Rear DURANGO CITADEL WAGON 4 DOOR/Rear MUSTANG BOSS 302 COUPE/Rear 14 DURANGO CREW WAGON 4 DOOR/Rear 15 MUSTANG GT CONVERTIBLE/Rear DURANGO LIMITED WAGON 4 DOOR/AWD 16 MUSTANG GT COUPE/Rear DURANGO LIMITED WAGON 4 DOOR/Rear 16 MUSTANG SHELBY GT500 CONVERTIBLE/Rear DURANGO R/T WAGON 4 DOOR/AWD 16 MUSTANG SHELBY GT500 COUPE/Rear DURANGO R/T WAGON 4 DOOR/Rear NITRO DETONATOR WAGON 4 DOOR/4x4 12 GMC NITRO SHOCK WAGON 4 DOOR/4x4 12 SIERRA C DOOR EXT CAB PK/Rear SIERRA C1500 CREW PICKUP/Rear Effective 07/15/16 HT-2 Commonwealth Automobile Reinsurers October 1, 2013 HT-2

158 changed pages pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) JEEP (cont'd) YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/Rear YUKON DENALI XL WAGON 4 DOOR/AWD KIA YUKON DENALI XL WAGON 4 DOOR/Rear OPTIMA EX/SX SEDAN 4 DOOR/Front 11 YUKON HYBRID WAGON 4 DOOR/4x OPTIMA LX SEDAN 4 DOOR/Front 11 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x4 15 YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x4 15 YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x4 15 YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x4 15 YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front 15 RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front 15 RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front 15 ACCORD HYBRID EXL SEDAN 4 DOOR/Front 15 LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front 15 GS 350 SEDAN 4 DOOR/Rear ACCORD LX COUPE/Front GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front 15 GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front 15 IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front 15 IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 11 CROSSTOUR EX WAGON 4 DOOR/Front CROSSTOUR EX-L WAGON 4 DOOR/AWD LINCOLN CROSSTOUR EX-L WAGON 4 DOOR/Front MKS SEDAN 4 DOOR/Front FIT HATCHBACK 4 Door/Front MKS AWD SEDAN 4 DOOR/AWD FIT SPORT HATCHBACK 4 Door/Front MKX AWD WAGON 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT EXLN WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RT PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTL PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/Rear RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR L WAGON 4 DOOR/4x NAVIGATOR L WAGON 4 DOOR/Rear HYUNDAI GENESIS COUPE 2.0T COUPE/Rear 15 MAZDA GENESIS COUPE 3.8L COUPE/Rear 15 MAZDASPEED3 HATCHBACK 4 Door/Front 11 INFINITI MERCEDES-BENZ FX35 WAGON 4 DOOR/AWD 13 C250 COUPE/Rear 15 G37 AWD COUPE/AWD C350 COUPE/Rear 15 G37 AWD SEDAN 4 DOOR/AWD 14 C350 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear C63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear CL550 4MATIC COUPE/AWD 15 G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 CL63 AMG COUPE/Rear 15 M35 SEDAN/SPORT AWD SEDAN 4 DOOR/AWD 11 CL65 AMG COUPE/Rear 15 CLS550 COUPE 4 DOOR/Rear JAGUAR CLS63 AMG COUPE 4 DOOR/Rear XF SEDAN 4 DOOR/Rear E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD 15 XF PORTFOLIO SEDAN 4 DOOR/Rear 13 E350 CONVERTIBLE/Rear 15 XF PREMIUM SEDAN 4 DOOR/Rear 12 E350 COUPE/Rear 15 XF R SEDAN 4 DOOR/Rear E3504M AWD COUPE/AWD 15 XF RS SEDAN 4 DOOR/Rear 15 E3504M AWD SEDAN 4 DOOR/AWD 15 XF SUPERCHARGED SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD 15 E550 CONVERTIBLE/Rear 15 JEEP E550 COUPE/Rear 15 COMMANDER LIMITED WAGON 4 DOOR/4x4 11 E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 COMMANDER LIMITED WAGON 4 DOOR/Rear 11 E63 AMG SEDAN 4 DOOR/AWD 15 COMMANDER SPORT WAGON 4 DOOR/4x4 11 E63 AMG STATION WAGON/AWD 15 COMMANDER SPORT WAGON 4 DOOR/Rear 11 GL350 BLUETEC WAGON 4 DOOR/AWD GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x GL450 4MATIC WAGON 4 DOOR/AWD GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear GL550 4MATIC WAGON 4 DOOR/AWD GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x ML350 WAGON 4 DOOR/AWD 15 GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear ML350 BLUETEC WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x ML350 4 MATIC WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x4 15 ML63 AMG WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear 15 S CLASS S65AMG SEDAN 4 DOOR/Rear Effective 06/01/15 HT-3

159 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE PASSENGER GROUP MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) INFINITI (cont'd) SIERRA C1500 PICKUP/Rear 12 SIERRA C1500 DENALI CREW PICKUP/Rear G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 SIERRA C1500 HYBRID CREW PICKUP/Rear QX50 STATION WAGON/AWD 16 SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear QX60 WAGON 4 DOOR/AWD 16 SIERRA C1500 SL CREW PICKUP/Rear QX60 HYBRID WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear QX70 WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE CREW PICKUP/Rear QX80 WAGON 4 DOOR/4x4 16 SIERRA C1500 SLE PICKUP/Rear SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear JAGUAR SIERRA C1500 SLT CREW PICKUP/Rear XF SEDAN 4 DOOR/Rear SIERRA K DOOR EXT CAB PK/4x XF PORTFOLIO SEDAN 4 DOOR/Rear 13 SIERRA K1500 CREW PICKUP/4x XF PREMIUM SEDAN 4 DOOR/Rear 12 SIERRA K1500 PICKUP/4x4 12 XF R SEDAN 4 DOOR/Rear SIERRA K1500 DENALI CREW PICKUP/4x XF RS SEDAN 4 DOOR/Rear SIERRA K1500 HYBRID CREW PICKUP/4x XF SUPERCHARGED SEDAN 4 DOOR/Rear SIERRA K1500 SL CREW PICKUP/4x SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x JEEP SIERRA K1500 SLE CREW PICKUP/4x GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x SIERRA K1500 SLE PICKUP/4x4 12 GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x SIERRA K1500 SLT CREW PICKUP/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x SIERRA K2500 SLE CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear SIERRA K2500 SLT CREW PICKUP/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD WRANGLER RUBICON WAGON 2 DOOR/4x4 16 YUKON DENALI HYBRID WAGON 4 DOOR/Rear WRANGLER SAHARA WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/4x4 16 WRANGLER SPORT WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/AWD WRANGLER UNLIMITED SAHARA WAGON 4 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/Rear WRANGLER UNLIMITED SPORT WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/4x WRANGLER UNLIMTED RUBICON WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD 12 YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD 12 YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD 12 YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front ACCORD HYBRID EXL SEDAN 4 DOOR/Front LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front GS 350 SEDAN 4 DOOR/Rear 12 ACCORD LX COUPE/Front 13 GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 16 CROSSTOUR EX WAGON 4 DOOR/Front RX 450H WAGON 4 DOOR/AWD 16 CROSSTOUR EX-L WAGON 4 DOOR/AWD CROSSTOUR EX-L WAGON 4 DOOR/Front LINCOLN FIT HATCHBACK 4 Door/Front 13 MKS SEDAN 4 DOOR/Front FIT SPORT HATCHBACK 4 Door/Front 13 MKS AWD SEDAN 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX AWD WAGON 4 DOOR/AWD PILOT EXLN WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front RIDGELINE RT PICKUP/4x MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RTL PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x4 12 RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR WAGON 4 DOOR/Rear 12 NAVIGATOR L WAGON 4 DOOR/4x4 12 HYUNDAI NAVIGATOR L WAGON 4 DOOR/Rear 12 GENESIS COUPE 2.0T COUPE/Rear 15 GENESIS COUPE 3.8L COUPE/Rear MERCEDES-BENZ C250 COUPE/Rear INFINITI C350 COUPE/Rear FX35 WAGON 4 DOOR/AWD 13 C350 4MATIC COUPE/AWD G37 AWD COUPE/AWD 12 C63 AMG COUPE/Rear G37 AWD SEDAN 4 DOOR/AWD 14 CL550 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear 12 CL63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear 12 CL65 AMG COUPE/Rear 15 Effective 07/15/16 HT-3 Commonwealth Automobile Reinsurers October 1, 2013 HT-3

160 changed pages pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) SUBARU S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S550 4MATIC SEDAN 4 DOOR/AWD IMPREZA WRX STI STATION WAGON/AWD S600 SEDAN 4 DOOR/Rear S63 AMG SEDAN 4 DOOR/Rear SUZUKI GRAND VITARA WAGON 4 DOOR/Rear 11 MITSUBISHI GRAND VITARA JLX/LTD WAGON 4 DOOR/4x4 11 ECLIPSE SPYDER GS CONVERTIBLE/Front GRAND VITARA JLX/LTD WAGON 4 DOOR/Rear 11 ECLIPSE SPYDER GT CONVERTIBLE/Front GRAND VITARA PREMIUM WAGON 4 DOOR/4x4 11 LANCER DE SEDAN 4 DOOR/Front 13 GRAND VITARA PREMIUM WAGON 4 DOOR/Rear 11 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 GRAND VITARA X-SPORT WAGON 4 DOOR/AWD 11 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 GRAND VITARA X-SPORT WAGON 4 DOOR/Rear 11 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 TOYOTA LANCER GTS SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER SE SEDAN 4 DOOR/Front 13 AVALON XL/XLS/LIMIT SEDAN 4 DOOR/Front 11 AVALON/LIMITED SEDAN 4 DOOR/Front 12 NISSAN CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front Z CONVERTIBLE/Rear 13 CAMRY SE/XLE SEDAN 4 DOOR/Front Z COUPE/Rear 13 FJ CRUISER WAGON 4 DOOR/4x ALTIMA 2.5 S COUPE/Front 14 FJ CRUISER WAGON 4 DOOR/Rear ARMADA PLATINUM WAGON 4 DOOR/4x4 11 HIGHLANDER WAGON 4 DOOR/AWD 11 ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER WAGON 4 DOOR/Front 11 ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 ARMADA SE/TITANIUM WAGON 4 DOOR/4x HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD 15 ARMADA SE/TITANIUM WAGON 4 DOOR/Rear 11 HIGHLANDER LIMITED WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD 15 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear HIGHLANDER SE WAGON 4 DOOR/AWD 11 FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x4 15 HIGHLANDER SE WAGON 4 DOOR/Front 11 FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 HIGHLANDER SPORT WAGON 4 DOOR/AWD 11 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x4 15 HIGHLANDER SPORT WAGON 4 DOOR/Front 11 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 HIGHLANDER XLE WAGON 4 DOOR/AWD 15 FRONTIER SV/SL CREW PICKUP/4x4 15 HIGHLANDER/HYBRID WAGON 4 DOOR/AWD FRONTIER SV/SL CREW PICKUP/Rear 15 HIGHLANDER/SE WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front HIGHLANDER/SE WAGON 4 DOOR/Front PATHFINDER LE WAGON 4 DOOR/AWD 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD 15 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 SCION TC HATCHBACK 2 Door/Front PATHFINDER S/LE/SE WAGON 4 DOOR/Rear SCION XB WAGON 4 DOOR/Front PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 SEQUOIA LIMITED WAGON 4 DOOR/AWD TITAN S/SV/SL/PRO-4X CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 TITAN SV CREW PICKUP/4x SEQUOIA SR5 WAGON 4 DOOR/AWD TITAN SV CREW PICKUP/Rear 12 TACOMA PICKUP/4x4 13 TITAN XE/SE/LE CREW PICKUP/Rear 11 TACOMA PICKUP/Rear 13 TITAN XE/SE/LE/PRO-4X CREW PICKUP/4x4 11 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PORSCHE TACOMA DOUBLECAB CREW PICKUP/4x CAYENNE WAGON 4 DOOR/AWD TACOMA DOUBLECAB CREW PICKUP/Rear CAYENNE DIESEL 15 TACOMA DOUBLECAB LG BD CREW PICKUP/4x CAYENNEGTS 15 TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 CAYENNE S WAGON 4 DOOR/AWD TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 CAYENNE S HYBRID WAGON 4 DOOR/AWD TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 CAYENNE TURBO WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX LIMITED CREW PICKUP/Rear PANAMERA GTS SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX PLATNUM CREW PICKUP/4x4 15 PANAMERA S HYBRID SEDAN 4 DOOR/Rear 15 TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear 15 TUNDRA CREWMAX SR5 CREW PICKUP/4x PANAMERA TURBO SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX SR5 CREW PICKUP/Rear PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD 15 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x PANAMERA/4 SEDAN 4 DOOR/Rear 15 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x4 15 RAM TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear 15 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/4x VENZA WAGON 4 DOOR/AWD 12 RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear VENZA WAGON 4 DOOR/Front 12 RAM TRUCK 1500 SLT CREW PICKUP/4x VENZA LE/XLE WAGON 4 DOOR/AWD RAM TRUCK 1500 SLT CREW PICKUP/Rear VENZA LE/XLE WAGON 4 DOOR/Front RAM TRUCK 1500 SLT PICKUP/4x4 14 VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD RAM TRUCK 1500 SPORT CREW PICKUP/4x VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front RAM TRUCK 1500 SPORT CREW PICKUP/Rear RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 VOLKSWAGEN RAM TRUCK 1500 ST CREW PICKUP/4x TOUAREG HYBRID WAGON 4 DOOR/AWD 15 RAM TRUCK 1500 ST CREW PICKUP/Rear RAM TRUCK 2500 LARAMIE CREW PICKUP/4x4 15 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x4 15 RAM TRUCK 2500 SLT CREW PICKUP/4x4 15 RAM TRUCK 2500 ST CREW PICKUP/4x4 15 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x4 15 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x4 15 RAM TRUCK 3500 SLT CREW PICKUP/4x4 15 RAM TRUCK 3500 ST CREW PICKUP/4x4 15 Effective 06/01/15 HT-4

161 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) PORSCHE (cont'd) CLS 400 4MATIC SEDAN 4 DOOR/Rear 16 CAYENNEGTS WAGON 4 DOOR/AWD 15 CLS CLASS 400 SEDAN 4 DOOR/AWD 16 CAYENNE S WAGON 4 DOOR/AWD CLS550 COUPE 4 DOOR/Rear 12 CAYENNE S HYBRID WAGON 4 DOOR/AWD CLS550 SEDAN 4 DOOR/Rear 16 CAYENNE TURBO WAGON 4 DOOR/AWD CLS550 4MATIC SEDAN 4 DOOR/AWD 16 PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD CLS63 AMG COUPE 4 DOOR/Rear 12 PANAMERA GTS SEDAN 4 DOOR/AWD E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD PANAMERA S HYBRID SEDAN 4 DOOR/Rear E350 CONVERTIBLE/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear E350 COUPE/Rear 15 PANAMERA TURBO SEDAN 4 DOOR/AWD E3504M AWD COUPE/AWD 15 PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD E3504M AWD SEDAN 4 DOOR/AWD PANAMERA/4 SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD E400 CONVERTIBLE/Rear 16 RAM E400 COUPE/Rear 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x E400 4MATIC COUPE/AWD 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear E400 4MATIC SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 LONGHORN CREW PICKUP/4x E550 CONVERTIBLE/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear E550 COUPE/Rear RAM TRUCK 1500 SLT CREW PICKUP/4x E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 RAM TRUCK 1500 SLT CREW PICKUP/Rear E63 AMG SEDAN 4 DOOR/AWD RAM TRUCK 1500 SLT PICKUP/4x4 14 E63 AMG STATION WAGON/AWD 15 RAM TRUCK 1500 SPORT CREW PICKUP/4x E63 AMG-S SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 SPORT CREW PICKUP/Rear E63 AMG-S STATION WAGON/AWD 16 RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 GL350 BLUETEC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/4x GL450 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/Rear GL550 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 2500 LARAMIE CREW PICKUP/4x GL63 AMG WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x GLA250 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 POWERWAGON CREW PICKUP/4x4 16 GLA-45 AMG STATION WAGON/AWD 16 RAM TRUCK 2500 SLT CREW PICKUP/4x GLK250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 ST CREW PICKUP/4x GLK350 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x ML250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x ML350 WAGON 4 DOOR/AWD RAM TRUCK 3500 SLT CREW PICKUP/4x ML350 BLUETEC WAGON 4 DOOR/AWD 15 RAM TRUCK 3500 ST CREW PICKUP/4x ML400 4 MATIC WAGON 4 DOOR/AWD 16 ML550 4 MATIC WAGON 4 DOOR/AWD 15 SUBARU ML63 AMG WAGON 4 DOOR/AWD IMPREZA WRX SEDAN 4 DOOR/AWD 15 S CLASS S65AMG SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STI STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear WRX SEDAN 4 DOOR/AWD 16 S550 4MATIC SEDAN 4 DOOR/AWD WRX LIMITED SEDAN 4 DOOR/AWD 16 S600 SEDAN 4 DOOR/Rear WRX PREMIUM SEDAN 4 DOOR/AWD 16 S63 AMG SEDAN 4 DOOR/Rear WRX STI SEDAN 4 DOOR/AWD 16 WRX STI LAUNCH EDITION SEDAN 4 DOOR/AWD 16 MITSUBISHI WRX STI LIMITED SEDAN 4 DOOR/AWD 16 ECLIPSE SPYDER GS CONVERTIBLE/Front 12 ECLIPSE SPYDER GT CONVERTIBLE/Front 12 TOYOTA LANCER DE SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 AVALON/LIMITED SEDAN 4 DOOR/Front 12 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 CAMRY SE/XLE SEDAN 4 DOOR/Front 13 LANCER GTS SEDAN 4 DOOR/Front 13 FJ CRUISER WAGON 4 DOOR/4x LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 FJ CRUISER WAGON 4 DOOR/Rear LANCER SE SEDAN 4 DOOR/Front 13 HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD NISSAN HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD Z CONVERTIBLE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/AWD Z COUPE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ALTIMA 2.5 S COUPE/Front 14 HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER XLE WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER/HYBRID WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/4x4 12 HIGHLANDER/SE WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER/SE WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD SCION FR-S COUPE/Rear 16 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear SCION TC HATCHBACK 2 Door/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x SCION XB WAGON 4 DOOR/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x SEQUOIA LIMITED WAGON 4 DOOR/AWD FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 SEQUOIA PLATINUM WAGON 4 DOOR/4x FRONTIER SV/SL CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 FRONTIER SV/SL CREW PICKUP/Rear SEQUOIA SR5 WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front TACOMA PICKUP/4x4 13 PATHFINDER LE WAGON 4 DOOR/AWD 13 TACOMA PICKUP/Rear 13 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 PATHFINDER S/LE/SE WAGON 4 DOOR/Rear TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 TACOMA DOUBLECAB CREW PICKUP/4x PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 TACOMA DOUBLECAB CREW PICKUP/Rear TITAN S/SV/SL/PRO-4X CREW PICKUP/4x TACOMA DOUBLECAB LG BD CREW PICKUP/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 TITAN SV CREW PICKUP/4x TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 TITAN SV CREW PICKUP/Rear 12 TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 TUNDRA CREWMAX 1794 CREW PICKUP/4x4 16 PORSCHE TUNDRA CREWMAX 1794 CREW PICKUP/Rear 16 CAYENNE WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x CAYENNE DIESEL WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/Rear Effective 07/15/16 HT-4 Commonwealth Automobile Reinsurers October 1, 2013 HT-4

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163 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE PASSENGER GROUP MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL TOYOTA (cont'd) Make/Series/Body Style/Driving Wheels TUNDRA CREWMAX PLATNUM CREW PICKUP/4x TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear TUNDRA CREWMAX SR5 CREW PICKUP/4x TUNDRA CREWMAX SR5 CREW PICKUP/Rear TUNDRA CREWMAX SR5/TRD PR CREW PICKUP/4x4 16 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear VENZA WAGON 4 DOOR/AWD 12 VENZA WAGON 4 DOOR/Front 12 VENZA LE/XLE WAGON 4 DOOR/AWD VENZA LE/XLE WAGON 4 DOOR/Front VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front VOLKSWAGEN TOUAREG HYBRID WAGON 4 DOOR/AWD 15 TOUAREG TDI WAGON 4 DOOR/AWD 16 TOUAREG V6 WAGON 4 DOOR/AWD 16 Effective 07/15/16 HT-5 Commonwealth Automobile Reinsurers October 1, 2013 HT-5

164 Text Comparison Documents Compared changed pages pdf MA PPA Changed Pages pdf Summary 9117 word(s) added 9075 word(s) deleted word(s) matched

165 changed pages pdf 2015 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 06/01/15 i

166 MA PPA Changed Pages pdf 2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 07/01/16 i

167 changed pages pdf RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-4 Effective 06/01/15 iii

168 MA PPA Changed Pages pdf RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-5 Effective 07/01/16 iii

169 changed pages pdf 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Hybrid Automobile Discount Hybrid vehicles may be entitled to a 5% credit. 9. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 10. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 11. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 10% 10% Effective 06/01/15 v

170 MA PPA Changed Pages pdf 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 9. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 10. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 8% 8% Effective 07/01/16 v

171 changed pages pdf SAFETY ENDORSEMENT FORMS AND RATING PLAN AND TIER PROGRAM: 12. Safety Shield (SSA 001) Adds extensions and additional coverages to the specified vehicle. Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value 13. Safety Shield Plus (SSA 002) Extended Substitute Transportation Emergency Road Travel Expenses Premium is $25.00 per vehicle Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value Extended Substitute Transportation Emergency Road Travel Expenses Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Seat Belt Pet Coverage Bail Bonds Accident Forgiveness Premium is $35.00 per vehicle 14. Auto Loan/Lease Gap Coverage (SLL 002) In the event of a Total Loss to a specified vehicle with this coverage, Safety will pay any unpaid amount due on the lease or loan for that vehicle. Premium is $25.00 per vehicle. 15. Safety s Rating Plan and Tier Placement Program Rating Plan (A or B) and Tier placement are based on an analysis of the following policy characteristics: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Whether the policy qualifies for the Multi-Car Discount (Rule 19. A). The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policy qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.). What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on policy. For an extended description of the products refer to your Safety Insurance Personal Auto Manual. If you have any questions please call your personal auto underwriter. * NOTE: Policies in Rating Plan B are not eligible for the discounts and endorsements listed above. Effective 06/01/15 vi

172 MA PPA Changed Pages pdf SAFETY ENDORSEMENT FORMS AND RATING PLAN AND TIER PROGRAM: 11. Safety Shield (SSA 001) Adds extensions and additional coverages to the specified vehicle. Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value 12. Safety Shield Plus (SSA 002) Extended Substitute Transportation Emergency Road Travel Expenses Premium is $25.00 per vehicle Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value Extended Substitute Transportation Emergency Road Travel Expenses Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Seat Belt Pet Coverage Bail Bonds Accident Forgiveness Premium is $35.00 per vehicle 13. Auto Loan/Lease Gap Coverage (SLL 002) In the event of a Total Loss to a specified vehicle with this coverage, Safety will pay any unpaid amount due on the lease or loan for that vehicle. Premium is $25.00 per vehicle. 14. Safety s Rating Plan and Tier Placement Program Rating Plan (A or B) and Tier placement are based on an analysis of the following policy characteristics: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Whether the policy qualifies for the Multi-Car Discount (Rule 19. A). The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policy qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.). What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on policy. For an extended description of the products refer to your Safety Insurance Personal Auto Manual. If you have any questions please call your personal auto underwriter. * NOTE: Policies in Rating Plan B are not eligible for the discounts and endorsements listed above. Effective 07/01/16 vi

173 changed pages pdf 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: 1. Annual Mileage Discount Effective 06/01/15 7

174 MA PPA Changed Pages pdf 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. Rounding should occur after the application of each step in section 11.A. and 11.B.1 above. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: Effective 07/01/16 7

175 changed pages pdf 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Renewal Credit Discount 6. Student Discount 7. Hybrid Automobile Discount 8. Public Transit Discount 9. Agency Loyalty Discount 10. E-customer Discount 11. Electronic Book Transfer Discount 12. Basic Package Adjustment Factor* 13. Age 65 and Older Discount The discount or adjustment factor shall be rounded to the nearest dollar after each application. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All All 20 2 All All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All 0.85 All 25 3 All 0.85 All 25 4 All Effective 06/01/15 8

176 MA PPA Changed Pages pdf 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Public Transit Discount 6. Basic Package Adjustment Factor* 7. Age 65 and Older Discount 8. Renewal Credit Discount 9. Student Discount 10. Agency Loyalty Discount 11. E-customer Discount 12. Electronic Book Transfer Discount 13. Non-Safety Account Credit Discount Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Annual Mileage Discount Multi-Car Discount Anti-Theft Discount Public Transportation Discount Account Credit Discount (Safety Account Credit Discount only) Basic Package Adjustment Factor* The Annual Mileage Discount, Multi-Car Discount, and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. The remaining discounts shall not be rounded. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All 0.68 Effective 07/01/16 8

177 changed pages pdf All All All 30 0 All All 30 1 All All 30 4 All All All All 40 0 All 0.82 All 40 1 All All 40 2 All All 40 3 All All 40 4 All All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All 0.85 All 45 4 All All All All 50 0 All All 50 1 All All 50 2 All All 50 4 All All All All 60 0 All 0.93 All 60 1 All All 60 2 All All 60 4 All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All All 83 0 All 0.99 All 83 1 All All 83 2 All All 83 3 All All 83 4 All b. Rating Plan B: Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discount shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Rounding should occur after the application of each step of the premium calculation. Effective 06/01/15 9

178 MA PPA Changed Pages pdf b. Rating Plan B: All 20 2 All 0.68 All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All All 25 3 All All 25 4 All All All All 30 0 All All 30 1 All All 30 2 All All 30 3 All All 30 4 All All All All All All 40 0 All All 40 1 All All 40 2 All All 40 3 All 0.68 All 40 4 All 0.68 All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All All 45 4 All All All All 50 0 All 0.81 All 50 1 All All 50 2 All All 50 3 All All 50 4 All 0.81 All All All All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All 0.77 All 83 0 All All 83 1 All 0.87 All 83 2 All All 83 3 All All 83 4 All All All Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discounts shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Effective 07/01/16 9

179 changed pages pdf RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment. Effective 06/01/15 16

180 MA PPA Changed Pages pdf RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. Effective 07/01/16 16

181 changed pages pdf A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% J. Hybrid Automobile Discount Effective 06/01/15 18

182 MA PPA Changed Pages pdf A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% Effective 07/01/16 18

183 changed pages pdf A 5% discount for Parts 1-12 will apply to all Hybrid vehicles. A Hybrid vehicle is a vehicle that uses two or more distinct power sources to propel the vehicle. K. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. L. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% Effective 06/01/15 19

184 MA PPA Changed Pages pdf J. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. K. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Electronic Book Transfer Discount Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% An eligible policyholder who elects to move their policy from a non-safety company into a Safety rating program and is part of a qualified book transfer meeting the underwriting rules established by the company shall be entitled to a discount described below: Effective 07/01/16 19

185 changed pages pdf Electronic Book Transfer Discount An eligible policyholder who elects to move their policy from a non-safety company into a Safety rating program and is part of a qualified book transfer meeting the underwriting rules established by the company shall be entitled to a discount described below: A first-time policyholder to Safety Insurance Group who (A) elects to transfer their policy as part of an Electronic Book Transfer to Safety 30 days before the policy effective date and (B) is part of a qualified book transfer meeting the underwriting rules established by the company and (C) qualifies under Section K. for New Business Discount for Agency Loyalty on the date of transfer in (A) will be eligible for an Electronic Book Transfer Discount for Parts For policies written as new business prior to 01/01/14: A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. For policies written as new business on or after 01/01/14: A 11% discount will apply for the first year insured with Safety, a 9% discount on the second year insured with Safety, a 7% discount on the third year insured with Safety, a 5% discount on the fourth year insured with Safety, and a 2% discount on the fifth year insured with Safety. Any discounts developed in Rule 19 L. are in addition to discounts developed in other sections of Rule 19. M. Low Frequency Discount A discount will be given on Parts 1, 2, 4 and 5 for vehicles whose rated operator meets certain low frequency requirements: The rated operator has 4 or less merit rating points as defined in Rule 56 Merit Rating Plan and No claim payment under any of the above coverage parts has been made to or on behalf of the rated operator in connection with more than one accident during the three years preceding the effective date of the policy. Effective 06/01/15 20

186 MA PPA Changed Pages pdf A first-time policyholder to Safety Insurance Group who (A) elects to transfer their policy as part of an Electronic Book Transfer to Safety 30 days before the policy effective date and (B) is part of a qualified book transfer meeting the underwriting rules established by the company and (C) qualifies under Section K. for New Business Discount for Agency Loyalty on the date of transfer in (A) will be eligible for an Electronic Book Transfer Discount for Parts For policies written as new business prior to 01/01/14: A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. For policies written as new business on or after 01/01/14: A 11% discount will apply for the first year insured with Safety, a 9% discount on the second year insured with Safety, a 7% discount on the third year insured with Safety, a 5% discount on the fourth year insured with Safety, and a 2% discount on the fifth year insured with Safety. Any discounts developed in Rule 19 L. are in addition to discounts developed in other sections of Rule 19. L. Low Frequency Discount A discount will be given on Parts 1, 2, 4 and 5 for vehicles whose rated operator meets certain low frequency requirements: The rated operator has 4 or less merit rating points as defined in Rule 56 Merit Rating Plan and No claim payment under any of the above coverage parts has been made to or on behalf of the rated operator in connection with more than one accident during the three years preceding the effective date of the policy. Effective 07/01/16 20

187 changed pages pdf 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by +.15 for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by +.15 for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 06/01/15 23

188 MA PPA Changed Pages pdf 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 07/01/16 23

189 changed pages pdf C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A Effective 06/01/15 26

190 MA PPA Changed Pages pdf C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A 28 A A A B B B B A Effective 07/01/16 26

191 changed pages pdf 28 A A A B B B B A 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A A 38 A A B A A C B A 39 A A B A A D A A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A A 46 A A B A B C B A 47 A A B A B D A A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A A 54 A A B B A C B A 55 A A B B A D A A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A A 62 A A B B B C B A 63 A A B B B D A A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A A 70 A A C A A C B A 71 A A C A A D A A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A Effective 06/01/15 27

192 MA PPA Changed Pages pdf 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A 1 A 38 A A B A A C B A 39 A A B A A D A 1 A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A 1.1 A 46 A A B A B C B A 47 A A B A B D A 1.1 A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A 1 A 54 A A B B A C B A 55 A A B B A D A 1 A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A 1.1 A 62 A A B B B C B A 63 A A B B B D A 1.1 A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A 1 A 70 A A C A A C B A 71 A A C A A D A 1 A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A 1.1 A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A 81 A A C B A A A A Effective 07/01/16 27

193 changed pages pdf 81 A A C B A A A A 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A A 86 A A C B A C B A 87 A A C B A D A A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A A 102 A A D A A C B A 103 A A D A A D A A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A A 118 A A D B A C B A 119 A A D B A D A A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A A Effective 06/01/15 28

194 MA PPA Changed Pages pdf 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A 1 A 86 A A C B A C B A 87 A A C B A D A 1 A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A 1.1 A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A 1 A 102 A A D A A C B A 103 A A D A A D A 1 A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A 1.1 A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A 1 A 118 A A D B A C B A 119 A A D B A D A 1 A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A 1.1 A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A 1 A 134 A A E A A C B A Effective 07/01/16 28

195 changed pages pdf 134 A A E A A C B A 135 A A E A A D A A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A A 140 A A E A B B B A 141 A A E A B C A A 142 A A E A B C B A 143 A A E A B D A A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A A 150 A A E B A C B A 151 A A E B A D A A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A A 156 A A E B B B B A 157 A A E B B C A A 158 A A E B B C B A 159 A A E B B D A A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A A 166 A A F A A C B A 167 A A F A A D A A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A A 172 A A F A B B B A 173 A A F A B C A A 174 A A F A B C B A 175 A A F A B D A A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A A 182 A A F B A C B A 183 A A F B A D A A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A Effective 06/01/15 29

196 MA PPA Changed Pages pdf 135 A A E A A D A 1 A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A 1.02 A 140 A A E A B B B A 141 A A E A B C A 1.01 A 142 A A E A B C B A 143 A A E A B D A 1.01 A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A 1 A 150 A A E B A C B A 151 A A E B A D A 1 A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A 1.02 A 156 A A E B B B B A 157 A A E B B C A 1.01 A 158 A A E B B C B A 159 A A E B B D A 1.01 A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A 1 A 166 A A F A A C B A 167 A A F A A D A 1 A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A 1.02 A 172 A A F A B B B A 173 A A F A B C A 1.1 A 174 A A F A B C B A 175 A A F A B D A 1.1 A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A 1 A 182 A A F B A C B A 183 A A F B A D A 1 A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A 187 A A F B B B A 1.02 A Effective 07/01/16 29

197 changed pages pdf 187 A A F B B B A A 188 A A F B B B B A 189 A A F B B C A A 190 A A F B B C B A 191 A A F B B D A A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A A 238 A B B A B C B A 239 A B B A B D A A Effective 06/01/15 30

198 MA PPA Changed Pages pdf 188 A A F B B B B A 189 A A F B B C A 1.1 A 190 A A F B B C B A 191 A A F B B D A 1.1 A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A 1.02 A 238 A B B A B C B A 239 A B B A B D A 1.02 A 240 A B B A B D B A Effective 07/01/16 30

199 changed pages pdf 240 A B B A B D B A 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A A 254 A B B B B C B A 255 A B B B B D A A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A A 262 A B C A A C B A 263 A B C A A D A A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A A 268 A B C A B B B A 269 A B C A B C A A 270 A B C A B C B A 271 A B C A B D A A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A A 278 A B C B A C B A 279 A B C B A D A A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A A 284 A B C B B B B A 285 A B C B B C A A 286 A B C B B C B A 287 A B C B B D A A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A Effective 06/01/15 31

200 MA PPA Changed Pages pdf 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A 1.02 A 254 A B B B B C B A 255 A B B B B D A 1.02 A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A 1 A 262 A B C A A C B A 263 A B C A A D A 1 A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A 1.1 A 268 A B C A B B B A 269 A B C A B C A 1.01 A 270 A B C A B C B A 271 A B C A B D A 1.01 A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A 1 A 278 A B C B A C B A 279 A B C B A D A 1 A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A 1.1 A 284 A B C B B B B A 285 A B C B B C A 1.01 A 286 A B C B B C B A 287 A B C B B D A 1.01 A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A 293 A B D A A C A 1 A Effective 07/01/16 31

201 changed pages pdf 293 A B D A A C A A 294 A B D A A C B A 295 A B D A A D A A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A A 300 A B D A B B B A 301 A B D A B C A A 302 A B D A B C B A 303 A B D A B D A A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A A 310 A B D B A C B A 311 A B D B A D A A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A A 316 A B D B B B B A 317 A B D B B C A A 318 A B D B B C B A 319 A B D B B D A A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A A 324 A B E A A B B A 325 A B E A A C A A 326 A B E A A C B A 327 A B E A A D A A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A A 332 A B E A B B B A 333 A B E A B C A A 334 A B E A B C B A 335 A B E A B D A A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A A 340 A B E B A B B A 341 A B E B A C A A 342 A B E B A C B A 343 A B E B A D A A 344 A B E B A D B A 345 A B E B B A A A Effective 06/01/15 32

202 MA PPA Changed Pages pdf 294 A B D A A C B A 295 A B D A A D A 1 A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A 1.1 A 300 A B D A B B B A 301 A B D A B C A 1.01 A 302 A B D A B C B A 303 A B D A B D A 1.01 A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A 1 A 310 A B D B A C B A 311 A B D B A D A 1 A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A 1.1 A 316 A B D B B B B A 317 A B D B B C A 1.01 A 318 A B D B B C B A 319 A B D B B D A 1.01 A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A 1 A 324 A B E A A B B A 325 A B E A A C A 1 A 326 A B E A A C B A 327 A B E A A D A 1 A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A 1.1 A 332 A B E A B B B A 333 A B E A B C A 1.02 A 334 A B E A B C B A 335 A B E A B D A 1.02 A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A 1 A 340 A B E B A B B A 341 A B E B A C A 1 A 342 A B E B A C B A 343 A B E B A D A 1 A 344 A B E B A D B A 345 A B E B B A A A 346 A B E B B A B A Effective 07/01/16 32

203 changed pages pdf 346 A B E B B A B A 347 A B E B B B A A 348 A B E B B B B A 349 A B E B B C A A 350 A B E B B C B A 351 A B E B B D A A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A A 364 A B F A B B B A 365 A B F A B C A A 366 A B F A B C B A 367 A B F A B D A A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A A 380 A B F B B B B A 381 A B F B B C A A 382 A B F B B C B A 383 A B F B B D A A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A Effective 06/01/15 33

204 MA PPA Changed Pages pdf 347 A B E B B B A 1.1 A 348 A B E B B B B A 349 A B E B B C A 1.02 A 350 A B E B B C B A 351 A B E B B D A 1.02 A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A 1.02 A 364 A B F A B B B A 365 A B F A B C A 1.1 A 366 A B F A B C B A 367 A B F A B D A 1.1 A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A 1.02 A 380 A B F B B B B A 381 A B F B B C A 1.1 A 382 A B F B B C B A 383 A B F B B D A 1.1 A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A 1.02 A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A 399 B A A A B D A A Effective 07/01/16 33

205 changed pages pdf 399 B A A A B D A A 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A A 422 B A B A A C B A 423 B A B A A D A A 424 B A B A A D B A 425 B A B A B A A A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A A 430 B A B A B C B A 431 B A B A B D A A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A A 438 B A B B A C B A 439 B A B B A D A A 440 B A B B A D B A 441 B A B B B A A A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A A 446 B A B B B C B A 447 B A B B B D A A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A Effective 06/01/15 34

206 MA PPA Changed Pages pdf 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A 1.02 A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A 1.1 A 422 B A B A A C B A 423 B A B A A D A 1.1 A 424 B A B A A D B A 425 B A B A B A A 1.2 A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A 1.2 A 430 B A B A B C B A 431 B A B A B D A 1.2 A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A 1.1 A 438 B A B B A C B A 439 B A B B A D A 1.1 A 440 B A B B A D B A 441 B A B B B A A 1.2 A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A 1.2 A 446 B A B B B C B A 447 B A B B B D A 1.2 A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A 452 B A C A A B B 1.1 A Effective 07/01/16 34

207 changed pages pdf 452 B A C A A B B A 453 B A C A A C A A 454 B A C A A C B A 455 B A C A A D A A 456 B A C A A D B A 457 B A C A B A A A 458 B A C A B A B A 459 B A C A B B A A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B A 469 B A C B A C A A 470 B A C B A C B A 471 B A C B A D A A 472 B A C B A D B A 473 B A C B B A A A 474 B A C B B A B A 475 B A C B B B A A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B A 485 B A D A A C A A 486 B A D A A C B A 487 B A D A A D A A 488 B A D A A D B A 489 B A D A B A A A 490 B A D A B A B A 491 B A D A B B A A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B A 501 B A D B A C A A 502 B A D B A C B A 503 B A D B A D A A 504 B A D B A D B A Effective 06/01/15 35

208 MA PPA Changed Pages pdf 453 B A C A A C A 1.1 A 454 B A C A A C B A 455 B A C A A D A 1.1 A 456 B A C A A D B A 457 B A C A B A A 1.05 A 458 B A C A B A B A 459 B A C A B B A 1.1 A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B 1.1 A 469 B A C B A C A 1.1 A 470 B A C B A C B A 471 B A C B A D A 1.1 A 472 B A C B A D B A 473 B A C B B A A 1.05 A 474 B A C B B A B A 475 B A C B B B A 1.1 A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B 1.1 A 485 B A D A A C A 1.1 A 486 B A D A A C B A 487 B A D A A D A 1.1 A 488 B A D A A D B A 489 B A D A B A A 1.05 A 490 B A D A B A B A 491 B A D A B B A 1.1 A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B 1.1 A 501 B A D B A C A 1.1 A 502 B A D B A C B A 503 B A D B A D A 1.1 A 504 B A D B A D B A 505 B A D B B A A 1.05 A Effective 07/01/16 35

209 changed pages pdf 505 B A D B B A A A 506 B A D B B A B A 507 B A D B B B A A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B A 551 B A F A A D A A 552 B A F A A D B A 553 B A F A B A A A 554 B A F A B A B A 555 B A F A B B A A 556 B A F A B B B A 557 B A F A B C A A Effective 06/01/15 36

210 MA PPA Changed Pages pdf 506 B A D B B A B A 507 B A D B B B A 1.1 A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B 1.02 A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A 1.1 A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B 1.02 A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A 1.1 A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B 1.02 A 551 B A F A A D A A 552 B A F A A D B 1.02 A 553 B A F A B A A A 554 B A F A B A B 1.05 A 555 B A F A B B A A 556 B A F A B B B 1.2 A 557 B A F A B C A A 558 B A F A B C B 1.1 A Effective 07/01/16 36

211 changed pages pdf 558 B A F A B C B A 559 B A F A B D A A 560 B A F A B D B A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B A 567 B A F B A D A A 568 B A F B A D B A 569 B A F B B A A A 570 B A F B B A B A 571 B A F B B B A A 572 B A F B B B B A 573 B A F B B C A A 574 B A F B B C B A 575 B A F B B D A A 576 B A F B B D B A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A B 602 B B A B B A B B 603 B B A B B B A B 604 B B A B B B B B 605 B B A B B C A B 606 B B A B B C B B 607 B B A B B D A B 608 B B A B B D B B 609 B B B A A A A A 610 B B B A A A B A Effective 06/01/15 37

212 MA PPA Changed Pages pdf 559 B A F A B D A A 560 B A F A B D B 1.1 A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B 1.02 A 567 B A F B A D A A 568 B A F B A D B 1.02 A 569 B A F B B A A A 570 B A F B B A B 1.05 A 571 B A F B B B A A 572 B A F B B B B 1.2 A 573 B A F B B C A A 574 B A F B B C B 1.1 A 575 B A F B B D A A 576 B A F B B D B 1.1 A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A 1 B 602 B B A B B A B 1 B 603 B B A B B B A 1 B 604 B B A B B B B 1 B 605 B B A B B C A 1 B 606 B B A B B C B 1 B 607 B B A B B D A 1 B 608 B B A B B D B 1 B 609 B B B A A A A A 610 B B B A A A B A 611 B B B A A B A A Effective 07/01/16 37

213 changed pages pdf 611 B B B A A B A A 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A A 622 B B B A B C B A 623 B B B A B D A A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A B 634 B B B B B A B B 635 B B B B B B A B 636 B B B B B B B B 637 B B B B B C A B 638 B B B B B C B B 639 B B B B B D A B 640 B B B B B D B B 641 B B C A A A A A 642 B B C A A A B A 643 B B C A A B A A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A A 650 B B C A B A B A 651 B B C A B B A A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A A 658 B B C B A A B A 659 B B C B A B A A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A Effective 06/01/15 38

214 MA PPA Changed Pages pdf 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A 1.2 A 622 B B B A B C B A 623 B B B A B D A 1.2 A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A 1 B 634 B B B B B A B 1 B 635 B B B B B B A 1 B 636 B B B B B B B 1 B 637 B B B B B C A 1 B 638 B B B B B C B 1 B 639 B B B B B D A 1 B 640 B B B B B D B 1 B 641 B B C A A A A 1.07 A 642 B B C A A A B 1.3 A 643 B B C A A B A 1.07 A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A 1.1 A 650 B B C A B A B A 651 B B C A B B A 1.1 A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A 1.07 A 658 B B C B A A B 1.3 A 659 B B C B A B A 1.07 A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A 664 B B C B A D B A Effective 07/01/16 38

215 changed pages pdf 664 B B C B A D B A 665 B B C B B A A B 666 B B C B B A B B 667 B B C B B B A B 668 B B C B B B B B 669 B B C B B C A B 670 B B C B B C B B 671 B B C B B D A B 672 B B C B B D B B 673 B B D A A A A A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A A 678 B B D A A C B A 679 B B D A A D A A 680 B B D A A D B A 681 B B D A B A A A 682 B B D A B A B A 683 B B D A B B A A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A A 694 B B D B A C B A 695 B B D B A D A A 696 B B D B A D B A 697 B B D B B A A A 698 B B D B B A B A 699 B B D B B B A A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B A 715 B B E A B B A A 716 B B E A B B B A Effective 06/01/15 39

216 MA PPA Changed Pages pdf 665 B B C B B A A 1 B 666 B B C B B A B 1 B 667 B B C B B B A 1 B 668 B B C B B B B 1 B 669 B B C B B C A 1 B 670 B B C B B C B 1 B 671 B B C B B D A 1 B 672 B B C B B D B 1 B 673 B B D A A A A 1 A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A 1.1 A 678 B B D A A C B A 679 B B D A A D A 1.1 A 680 B B D A A D B A 681 B B D A B A A 1.05 A 682 B B D A B A B A 683 B B D A B B A 1.1 A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A 1 A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A 1.1 A 694 B B D B A C B A 695 B B D B A D A 1.1 A 696 B B D B A D B A 697 B B D B B A A 1.05 A 698 B B D B B A B A 699 B B D B B B A 1.1 A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B 1.1 A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B 1.2 A 715 B B E A B B A 1.1 A 716 B B E A B B B A 717 B B E A B C A A Effective 07/01/16 39

217 changed pages pdf 717 B B E A B C A A 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B A 731 B B E B B B A A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B A 743 B B F A A D A A 744 B B F A A D B A 745 B B F A B A A A 746 B B F A B A B A 747 B B F A B B A A 748 B B F A B B B A 749 B B F A B C A A 750 B B F A B C B A 751 B B F A B D A A 752 B B F A B D B A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B A 759 B B F B A D A A 760 B B F B A D B A 761 B B F B B A A A 762 B B F B B A B A 763 B B F B B B A A 764 B B F B B B B A 765 B B F B B C A A 766 B B F B B C B A 767 B B F B B D A A 768 B B F B B D B A Effective 06/01/15 40

218 MA PPA Changed Pages pdf 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B 1.1 A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B 1.2 A 731 B B E B B B A 1.1 A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B 1.02 A 743 B B F A A D A A 744 B B F A A D B 1.02 A 745 B B F A B A A A 746 B B F A B A B 1.05 A 747 B B F A B B A A 748 B B F A B B B 1.1 A 749 B B F A B C A A 750 B B F A B C B 1.1 A 751 B B F A B D A A 752 B B F A B D B 1.1 A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B 1.02 A 759 B B F B A D A A 760 B B F B A D B 1.02 A 761 B B F B B A A A 762 B B F B B A B 1.05 A 763 B B F B B B A A 764 B B F B B B B 1.1 A 765 B B F B B C A A 766 B B F B B C B 1.1 A 767 B B F B B D A A 768 B B F B B D B 1.1 A Effective 07/01/16 40

219 changed pages pdf 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 06/01/15 44

220 MA PPA Changed Pages pdf 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. c. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 07/01/16 44

221 changed pages pdf RULE 55. PRE-INSURANCE INSPECTION PROGRAM General Laws Chapter 175, section 113S, and the implementing regulation, 211 CMR 94.00, require the pre-insurance inspection of private passenger motor vehicles. Eligibility Unless specifically exempted or waived, all private passenger motor vehicles and pick-ups or vans having a gross vehicle weight up to 10,000 pounds are required to be inspected by Safety prior to the issuance of physical damage coverages by Safety. Safety s decision to require an inspection in situations that are otherwise waived or exempt will be based on underwriting criteria uniformly applied, and such decision will be supported by objective facts. The decision to require such an inspection shall not be based on the age, race, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of the applicant or the customary operators of the motor vehicle, the principal place where the motor vehicle is garaged, or the fact that the policy has been assigned to Safety through the Massachusetts Automobile Insurance Plan. Exemptions to the Inspection Requirement An inspection shall not be required if: 1. The motor vehicle is a new, unused motor vehicle from a franchised automobile dealership where Safety is provided with either: a copy of the bill of sale which contains a full description of the motor vehicle, including all options and accessories; or a copy of the RMV Form 1 provided by the Registry of Motor Vehicles, which establishes the transfer of ownership from the dealer to the customer and a copy of the window sticker or the dealer invoice showing the itemized options and equipment in addition to the total retail price of the vehicle. 2. The applicant has been insured for the three years or longer, without interruption, under a motor vehicle liability policy or policies which include(s) physical damage coverage, issued by the insurer to which the application is submitted. 3. The inspection is waived by Safety. 4. Any private passenger motor vehicle that is not owned by the applicant, but is used by the applicant, with the permission of the owner, is a temporary substitute due to breakdown, repair, servicing, loss or destruction of the applicant s own motor vehicle. 5. The motor vehicle is leased less than six months, provided Safety receives the lease or rental agreement containing a description of the leased motor vehicle, including its condition. 6. The inspection would cause a serious hardship to Safety or the applicant. 7. Safety has no inspection facility or authorized representative either in the city or town in which the motor vehicle is principally garaged or within five miles of said city or town. Safety shall maintain a written record of its reasons for requiring an inspection in situations that are otherwise exempt in the applicant's policy record. Waiver of Inspection An inspection may be waived if any of the following apply: 1. All listed operators have a merit rating response of less than 16 points. 2. The motor vehicle is ten or more years older than the current calendar year for all policies issued or renewed during the current calendar year. Example: For policies issued or renewed during calendar year 2010, inspection of all 2000 and older model year vehicles may be waived. 3. A non-owned vehicle is insured under a policy providing physical damage coverage issued by Safety which has inspected such motor vehicle in accordance with the provisions of this regulation. Effective 06/01/15 60

222 MA PPA Changed Pages pdf RULE 55. PRE-INSURANCE INSPECTION PROGRAM Pre-insurance inspections will be waived for all vehicles insured under a policy. This rule will apply uniformly to all insureds. Effective 07/01/16 60

223 changed pages pdf 4. The applicant has had continuous auto insurance coverage for the prior 12 months and has a valid Massachusetts Drivers license; the exception to this would be if an applicant is adding physical damage coverage to an existing vehicle listed on the policy an inspection is required. Safety shall maintain a written record of its reasons for not waiving an inspection in situations where it is permitted in the applicant's policy record. Deferral of Inspection Safety may defer an inspection for ten calendar days (not including legal holidays and Sundays) following the effective date of coverage if an inspection at the time of the request for coverage would create a serious inconvenience for the applicant. If Safety, pursuant to Rule 27 of the MAIP Rules of Operation, is required to provide physical damage coverage at the option of the applicant, it shall provide physical damage coverage as requested by the applicant, and may defer the inspection for ten calendar days (not including legal holidays and Sundays). Inspection Procedures Inspections required or permitted shall be made by a designated authorized representative of Safety at a time and place reasonably convenient to the applicant. Safety will retain the original report and photographs for three years except as provided by the Regulation. Safety shall maintain an up-to-date list of all its authorized representatives and inspection sites. RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous Effective 06/01/15 61

224 MA PPA Changed Pages pdf RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. For accidents occurring prior to July 1, 2015, an at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. For accidents occurring on or after July 1, 2015, an at-fault accident is defined as minor only if it resulted in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of more than $1,000 and up to $5,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $5,000. Effective 07/01/16 61

225 changed pages pdf insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. An at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 06/01/15 62

226 MA PPA Changed Pages pdf If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 07/01/16 62

227 changed pages pdf Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 50-57, or 30) Parts 1, 2, and 4 Part 5 Part 7 Inexperienced Operators (All Other Rate Classes) Parts 1, 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 06/01/15 63

228 MA PPA Changed Pages pdf Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators Inexperienced Operators (Rate Class 50-57, or 30) (All Other Rate Classes) Parts 1, Parts 1, 2, and 4 Part 5 Part 7 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 07/01/16 63

229 changed pages pdf Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 06/01/15 64

230 MA PPA Changed Pages pdf Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 07/01/16 64

231 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 2

232 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory , , , , , , , , , , , , , , , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 2

233 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 3

234 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 3

235 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 4

236 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 4

237 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 5

238 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 5

239 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory , ,097 1,044 1, ,095 1,042 1, ,154 1,099 1, , ,170 1,114 1, ,053 1, ,193 1,135 1, ,073 1,022 1, ,275 1,214 1, ,147 1,093 1, ,206 1,149 1, ,086 1,034 1, ,188 1,131 1, ,069 1, ,209 1,152 1, ,089 1,037 1, ,183 1,127 1, ,065 1, ,210 1,153 1, ,090 1,038 1, ,398 1,331 1, ,258 1,198 1, ,327 1,263 1,238 1,104 1,052 1,031 1,194 1,137 1, ,452 1,383 1, ,307 1,245 1, ,599 1,522 1, ,439 1,370 1, ,190 1,133 1, ,071 1,020 1, ,313 1,251 1, ,182 1,126 1, ,213 1,156 1, ,092 1,040 1, ,586 1,511 1, ,428 1,360 1, , ,363 1,297 1,272 1,064 1, ,227 1,167 1, , ,561 1,487 1,458 1,191 1,134 1,112 1,405 1,338 1,312 1,071 1,021 1, ,378 1,313 1, ,240 1,182 1, ,241 1,182 1, ,118 1,064 1, ,405 1,338 1, ,265 1,204 1, , ,638 1,560 1,529 1, ,474 1,404 1, ,189 1,132 1, ,070 1, ,187 1,130 1, ,068 1, ,295 1,233 1, ,165 1,110 1, ,518 1,445 1, ,367 1,301 1, ,290 1,228 1, ,161 1,105 1, ,445 1,376 1, ,301 1,238 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 6

240 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory ,134 1, , ,186 1,097 1, , ,184 1,095 1, , ,248 1,155 1, ,122 1, ,265 1,170 1, ,139 1,023 1, ,290 1,192 1, ,160 1,042 1, ,379 1,275 1, ,240 1,115 1, ,304 1,207 1, ,174 1,055 1, ,284 1,188 1, ,156 1,038 1, ,307 1,210 1, ,177 1,058 1, ,279 1,184 1, ,151 1,034 1, ,308 1,211 1, ,179 1,059 1, ,512 1,398 1, ,360 1,222 1, ,435 1,327 1,263 1,194 1,105 1,052 1,291 1,160 1,136 1, , ,570 1,453 1,383 1,080 1, ,413 1,270 1, , ,729 1,599 1, ,556 1,397 1, ,287 1,190 1, ,158 1,040 1, ,420 1,314 1, ,278 1,149 1, ,311 1,214 1, ,181 1,061 1, , ,715 1,587 1,511 1, ,544 1,387 1, , ,474 1,363 1,297 1,150 1,064 1,013 1,327 1,190 1, ,110 1, ,688 1,562 1,487 1,288 1,191 1,134 1,519 1,365 1,338 1,103 1,041 1, ,490 1,379 1, ,341 1,206 1, ,342 1,242 1, ,209 1,085 1, ,519 1,406 1, ,368 1,228 1, ,108 1, ,771 1,639 1,560 1,111 1, ,594 1,432 1, , , ,286 1,189 1, ,157 1,039 1, ,283 1,187 1, ,155 1,037 1, ,400 1,295 1, ,260 1,132 1, ,641 1,518 1,445 1, ,478 1,327 1, ,395 1,290 1, ,255 1,127 1, ,562 1,446 1,376 1, ,407 1,263 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 6

241 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 7

242 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 7

243 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 8

244 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 8

245 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 9

246 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 9

247 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 06/01/15 R - 11

248 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 07/01/16 R - 11

249 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 18

250 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 18

251 changed pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 19

252 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 19

253 changed pages pdf Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account, renewal, agency loyalty, e-customer, electronic book transfer, age 65 or older) Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply applicable discounts in the order that Rule 11 specifies 6) Apply Merit Rating adjustment The premium for each exposure shall be rounded to the nearest whole dollar at the end of each step. (Rounding should occur after the application of each discount.) Effective 06/01/15 M-12

254 MA PPA Changed Pages pdf Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account credit, age 65 and older, renewal credit, agency loyalty, e-customer, electronic book transfer) The Annual Mileage Discount, Multi-Car Discount, and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Anti-Theft Discount Account Credit Discount (Safety Account Credit Discount only) Motorcycle Rider Training Program Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Rounding should occur after the application of each discount. Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply all applicable discounts as specified above (including the Maximum Combined Discounts cap) 6) Apply Merit Rating adjustment Rounding should occur after each step. See the discount sections above for the specific rounding rules for the discount step. Effective 07/01/16 M-12

255 changed pages pdf Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 10% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 06/01/15 RS-1

256 MA PPA Changed Pages pdf Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 11% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 07/01/16 RS-1

257 changed pages pdf Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Hybrid Automobile Discount: 5% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 06/01/15 RS-2

258 MA PPA Changed Pages pdf Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 07/01/16 RS-2

259 changed pages pdf HIGH THEFT VEHICLE LIST (Effective 08/01/14) Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2014-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CHEVROLET MDX WAGON 4 DOOR/4x4 13 AVALANCHE C1500 LT SPORT PICKUP/Rear 14 MDX WAGON 4 DOOR/AWD AVALANCHE C1500 LT UTILITY/Rear MDX ADVANCE WAGON 4 DOOR/4x4 13 AVALANCHE K1500 LT SPORT PICKUP/4x4 14 MDX ADVANCE WAGON 4 DOOR/AWD AVALANCHE K1500 LT UTILITY/4x MDX TECH WAGON 4 DOOR/AWD AVALANCHE LS UTILITY/4x TL AWD SEDAN 4 DOOR/AWD AVALANCHE LS UTILITY/Rear 12 TL AWD ADVANCE SEDAN 4 DOOR/AWD AVALANCHE LTZ UTILITY/4x TL AWD TECH SEDAN 4 DOOR/AWD AVALANCHE LTZ UTILITY/Rear 12 C1500 SILVERADO CREW PICKUP/Rear 11 AUDI C1500 SUBURBAN WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS CONVERTIBLE/AWD C1500 SUBURBAN LS WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD C1500 SUBURBAN LT WAGON 4 DOOR/Rear A5 QUATTRO PREMIUM CONVERTIBLE/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear A5 QUATTRO PREMIUM COUPE/AWD CAMARO LT CONVERTIBLE/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD CAMARO LT COUPE/Rear A5 QUATTRO PRESTIGE COUPE/AWD CAMARO SS CONVERTIBLE/Rear Q7 PREMIUM WAGON 4 DOOR/AWD CAMARO SS COUPE/Rear Q7 PREMIUM PLUS WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear 15 Q7 PRESTIGE WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear CAMARO ZL1 COUPE/Rear BMW COLORADO CREW PICKUP/4x I CONVERTIBLE/Rear 14 COLORADO 1LT CREW PICKUP/4x I COUPE/Rear 14 COLORADO 2LT CREW PICKUP/4x I SULEV CONVERTIBLE/Rear 14 CORVETTE CONVERTIBLE/Rear I SULEV COUPE/Rear 14 CORVETTE COUPE/Rear XI COUPE/AWD 14 CORVETTE 1LT CONVERTIBLE/Rear XI SULEV COUPE/AWD 14 CORVETTE 1LT COUPE/Rear I CONVERTIBLE/Rear 14 CORVETTE 1LT Z5I CONVERTIBLE/Rear I COUPE/Rear 14 CORVETTE 1LT Z5I COUPE/Rear I SULEV CONVERTIBLE/Rear 14 CORVETTE 2LT CONVERTIBLE/Rear I SULEV COUPE/Rear 14 CORVETTE 2LT COUPE/Rear XI COUPE/AWD 14 CORVETTE 2LT Z5I CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 2LT Z5I COUPE/Rear D XDRIVE SEDAN 4 DOOR/AWD 15 CORVETTE 3LT CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 3LT COUPE/Rear XI GT HATCHBACK 4 DOOR/AWD CORVETTE 3LT Z5I CONVERTIBLE/Rear I XI GT HATCHBACK 4 DOOR/AWD CORVETTE 3LT Z5I COUPE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 427 CONVERTIBLE/Rear 14 X5 M WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CORVETTE GRAND SPORT COUPE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CORVETTE Z06 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear IMPALA LT SEDAN 4 DOOR/Front 11 BUICK IMPALA LTZ SEDAN 4 DOOR/Front LACROSSE SEDAN 4 DOOR/Front 15 IMPALA POLICE SEDAN 4 DOOR/Front 11 LACROSSE AWD SEDAN 4 DOOR/Front 15 K1500 SILVERADO 4 DOOR EXT CAB PK/4x4 11 LACROSSE PREMIUM SEDAN 4 DOOR/Front 15 K1500 SILVERADO CREW PICKUP/4x4 11 LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD 15 K1500 SILVERADO PICKUP/4x4 11 LACROSSE TOURING SEDAN 4 DOOR/Front 15 K1500 SILVERADO HYBRID CREW PICKUP/4x4 11 LACROSSE W/EASSIST SEDAN 4 DOOR/Front 15 K1500 SUBURBAN WAGON 4 DOOR/4x K1500 SUBURBAN LS WAGON 4 DOOR/4x CADILLAC K1500 SUBURBAN LT WAGON 4 DOOR/4x DTS SEDAN 4 DOOR/Front K1500 SUBURBAN LTZ WAGON 4 DOOR/4x DTS LUXURY COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN WAGON 4 DOOR/4x4 14 DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 ESCALADE WAGON 4 DOOR/AWD SILVERADO C DOOR EXT CAB PK/Rear ESCALADE WAGON 4 DOOR/Rear SILVERADO C1500 CREW PICKUP/Rear ESCALADE ESV WAGON 4 DOOR/AWD SILVERADO C1500 PICKUP/Rear ESCALADE ESV WAGON 4 DOOR/Rear SILVERADO C1500 HIGH COUN CREW PICKUP/Rear 15 ESCALADE ESV LUXURY WAGON 4 DOOR/AWD SILVERADO C1500 HYBRID CREW PICKUP/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD SILVERADO C1500 LS CREW PICKUP/Rear ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD SILVERADO C1500 LT CREW PICKUP/Rear ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear SILVERADO C1500 LT PICKUP/Rear ESCALADE EXT SPORT PICKUP/AWD SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear ESCALADE EXT UTILITY/AWD SILVERADO C1500 LTZ CREW PICKUP/Rear ESCALADE EXT LUXURY SPORT PICKUP/AWD SILVERADO K1500 CREW PICKUP/4x ESCALADE EXT LUXURY UTILITY/AWD SILVERADO K1500 PICKUP/4x ESCALADE EXT PREMIUM SPORT PICKUP/AWD SILVERADO K1500 HIGH COUN CREW PICKUP/4x4 15 ESCALADE EXT PREMIUM UTILITY/AWD SILVERADO K1500 HYBRID CREW PICKUP/4x ESCALADE HYBRID WAGON 4 DOOR/4x4 14 SILVERADO K1500 LS 4 DOOR EXT CAB PK/4x4 11 ESCALADE HYBRID WAGON 4 DOOR/AWD SILVERADO K1500 LS CREW PICKUP/4x ESCALADE HYBRID WAGON 4 DOOR/Rear SILVERADO K1500 LT 4 DOOR EXT CAB PK/4x4 11 ESCALADE LUXURY WAGON 4 DOOR/AWD SILVERADO K1500 LT CREW PICKUP/4x ESCALADE LUXURY WAGON 4 DOOR/Rear SILVERADO K1500 LT PICKUP/4x ESCALADE PLATINUM WAGON 4 DOOR/AWD SILVERADO K1500 LTZ 4 DOOR EXT CAB PK/4x4 11 ESCALADE PLATINUM WAGON 4 DOOR/Rear SILVERADO K1500 LTZ CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 SILVERADO K2500HD CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD SILVERADO K2500HD LT CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear SILVERADO K2500HD LT PICKUP/4x4 13 ESCALADE PREMIUM WAGON 4 DOOR/AWD SILVERADO K2500HD LTZ CREW PICKUP/4x ESCALADE PREMIUM WAGON 4 DOOR/Rear SILVERADO K3500 CREW PICKUP/4x SILVERADO K3500 LT CREW PICKUP/4x SILVERADO K3500 LTZ CREW PICKUP/4x Effective 06/01/15 HT-1

260 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Effective 8/1/2015 HIGH THEFT VEHICLE LIST Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2015-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CADILLAC (cont'd) MDX WAGON 4 DOOR/4x4 13 ESCALADE EXT LUXURY SPORT PICKUP/AWD MDX WAGON 4 DOOR/AWD ESCALADE EXT LUXURY UTILITY/AWD 12 MDX ADVANCE WAGON 4 DOOR/4x4 13 ESCALADE EXT PREMIUM SPORT PICKUP/AWD MDX ADVANCE WAGON 4 DOOR/AWD ESCALADE EXT PREMIUM UTILITY/AWD 12 MDX TECH WAGON 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/4x4 14 TL AWD SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/AWD TL AWD ADVANCE SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/Rear TL AWD TECH SEDAN 4 DOOR/AWD ESCALADE LUXURY WAGON 4 DOOR/4x4 16 TLX SEDAN 4 DOOR/Front 16 ESCALADE LUXURY WAGON 4 DOOR/AWD TLX ADVANCE SEDAN 4 DOOR/AWD 16 ESCALADE LUXURY WAGON 4 DOOR/Rear TLX ADVANCE SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/4x4 16 TLX TECH SEDAN 4 DOOR/AWD 16 ESCALADE PLATINUM WAGON 4 DOOR/AWD TLX TECH SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/Rear ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 AUDI ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD A5 QUATTRO PREM PLUS CONVERTIBLE/AWD ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/4x4 16 A5 QUATTRO PREMIUM CONVERTIBLE/AWD ESCALADE PREMIUM WAGON 4 DOOR/AWD A5 QUATTRO PREMIUM COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD XTS SEDAN 4 DOOR/Front 16 A5 QUATTRO PRESTIGE COUPE/AWD XTS DELIVERY SEDAN 4 DOOR/Front 16 A7 PREMIUM PLUS QUATT HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/AWD 16 A7 PREMIUM QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/Front 16 A7 PRESTIGE QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS PLATINUM SEDAN 4 DOOR/AWD 16 Q7 PREMIUM WAGON 4 DOOR/AWD XTS PLATINUM SEDAN 4 DOOR/Front 16 Q7 PREMIUM PLUS WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/AWD 16 Q7 PRESTIGE WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/Front 16 Q7 TDI PREMIUM WAGON 4 DOOR/AWD 16 XTS VSPORT PLATINUM SEDAN 4 DOOR/AWD 16 Q7 TDI PREMIUM PLUS WAGON 4 DOOR/AWD 16 XTS VSPORT PREMIUM SEDAN 4 DOOR/AWD 16 Q7 TDI PRESTIGE WAGON 4 DOOR/AWD 16 CHEVROLET BMW AVALANCHE C1500 LT SPORT PICKUP/Rear I CONVERTIBLE/Rear 14 AVALANCHE C1500 LT UTILITY/Rear I COUPE/Rear 14 AVALANCHE K1500 LT SPORT PICKUP/4x I SULEV CONVERTIBLE/Rear 14 AVALANCHE K1500 LT UTILITY/4x I SULEV COUPE/Rear 14 AVALANCHE LS UTILITY/4x XI COUPE/AWD 14 AVALANCHE LS UTILITY/Rear XI SULEV COUPE/AWD 14 AVALANCHE LTZ UTILITY/4x I CONVERTIBLE/Rear 14 AVALANCHE LTZ UTILITY/Rear I COUPE/Rear 14 C1500 SILVERADO CREW PICKUP/Rear 335I SULEV CONVERTIBLE/Rear 14 C1500 SUBURBAN WAGON 4 DOOR/Rear I SULEV COUPE/Rear 14 C1500 SUBURBAN LS WAGON 4 DOOR/Rear XI COUPE/AWD 14 C1500 SUBURBAN LT WAGON 4 DOOR/Rear XI SEDAN 4 DOOR/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear D XDRIVE SEDAN 4 DOOR/AWD CAMARO LS COUPE/Rear XI SEDAN 4 DOOR/AWD CAMARO LT CONVERTIBLE/Rear XI GT HATCHBACK 4 DOOR/AWD CAMARO LT COUPE/Rear I XI GT HATCHBACK 4 DOOR/AWD CAMARO SS CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CAMARO SS COUPE/Rear X5 M WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CAMARO ZL1 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE CONVERTIBLE/Rear CORVETTE COUPE/Rear BUICK CORVETTE 1LT CONVERTIBLE/Rear LACROSSE SEDAN 4 DOOR/Front CORVETTE 1LT COUPE/Rear LACROSSE AWD SEDAN 4 DOOR/Front CORVETTE 1LT Z5I CONVERTIBLE/Rear LACROSSE PREMIUM SEDAN 4 DOOR/Front CORVETTE 1LT Z5I COUPE/Rear LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD CORVETTE 1LZ Z06 COUPE/Rear 16 LACROSSE TOURING SEDAN 4 DOOR/Front 15 CORVETTE 2LT CONVERTIBLE/Rear LACROSSE W/EASSIST SEDAN 4 DOOR/Front CORVETTE 2LT COUPE/Rear CORVETTE 2LT Z5I CONVERTIBLE/Rear CADILLAC CORVETTE 2LT Z5I COUPE/Rear CTS-V COUPE/Rear 16 CORVETTE 2LZ Z06 CONVERTIBLE/Rear 16 DTS SEDAN 4 DOOR/Front 12 CORVETTE 2LZ Z06 COUPE/Rear 16 DTS LUXURY COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT CONVERTIBLE/Rear DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT COUPE/Rear DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT Z5I CONVERTIBLE/Rear ESCALADE WAGON 4 DOOR/4x4 16 CORVETTE 3LT Z5I COUPE/Rear ESCALADE WAGON 4 DOOR/AWD CORVETTE 3LZ Z06 CONVERTIBLE/Rear 16 ESCALADE WAGON 4 DOOR/Rear CORVETTE 3LZ Z06 COUPE/Rear 16 ESCALADE ESV WAGON 4 DOOR/4x4 16 CORVETTE 427 CONVERTIBLE/Rear 14 ESCALADE ESV WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear ESCALADE ESV WAGON 4 DOOR/Rear CORVETTE GRAND SPORT COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/4x4 16 CORVETTE Z06 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear IMPALA LT SEDAN 4 DOOR/Front 16 ESCALADE ESV PLATINUM WAGON 4 DOOR/4x4 16 IMPALA LTZ SEDAN 4 DOOR/Front ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD K1500 SUBURBAN WAGON 4 DOOR/4x ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear K1500 SUBURBAN LS WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/4x4 16 K1500 SUBURBAN LT WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD K1500 SUBURBAN LTZ WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear K2500 SUBURBAN WAGON 4 DOOR/4x4 14 ESCALADE EXT SPORT PICKUP/AWD K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 ESCALADE EXT UTILITY/AWD 12 K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 Effective 07/01/16 HT-1 Commonwealth Automobile Reinsurers October 1, 2013 HT-1

261 changed pages pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) FORD (cont'd) TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION LTD WAGON 4 DOOR/4x TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/4x TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION XLT WAGON 4 DOOR/4x4 11 TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION XLT WAGON 4 DOOR/Rear 11 TAHOE LT WAGON 4 DOOR/4x EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/4x EXPLORER LIMITED WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/Front EXPLORER SPORT WAGON 4 DOOR/4x CHRYSLER EXPLORER XLT WAGON 4 DOOR/4x SEDAN 4 DOOR/AWD 15 F150 4 DOOR EXT CAB PK/4x SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/Rear LIMITED SEDAN 4 DOOR/Rear F150 CREW PICKUP/4x LIMITED AWD SEDAN 4 DOOR/AWD 11 F150 CREW PICKUP/Rear S SEDAN 4 DOOR/AWD F150 PICKUP/4x S SEDAN 4 DOOR/Rear F150 PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x TOURING SEDAN 4 DOOR/Rear 11 F150 SVT RAPTOR CREW PICKUP/4x TOURING AWD SEDAN 4 DOOR/AWD 11 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C SEDAN 4 DOOR/Rear F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear C AWD SEDAN 4 DOOR/AWD F250 SUPER DUTY CREW PICKUP/4x C SRT-8 SEDAN 4 DOOR/Rear F250 SUPER DUTY CREW PICKUP/Rear C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY PICKUP/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY PICKUP/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 DODGE F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F350 SUPER DUTY CREW PICKUP/4x AVENGER SXT SEDAN 4 DOOR/Front F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SRT8 CORE COUPE/Rear 15 FLEX LIMITED WAGON 4 DOOR/AWD CHARGER SEDAN 4 DOOR/AWD 15 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION HYBRID SEDAN 4 DOOR/Front 11 CHARGER AWD SEDAN 4 DOOR/AWD 11 FUSION S SEDAN 4 DOOR/Front CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE HYBRID SEDAN 4 DOOR/Front 15 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION SEL SEDAN 4 DOOR/Front 11 CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION SEL AWD SEDAN 4 DOOR/AWD 11 CHARGER SXT SEDAN 4 DOOR/Rear FUSION SPORT SEDAN 4 DOOR/Front 11 CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION SPORT AWD SEDAN 4 DOOR/AWD 11 CHARGER V6 SEDAN 4 DOOR/AWD 14 FUSION TITANIUM SEDAN 4 DOOR/Front DURANGO CITADEL WAGON 4 DOOR/Rear 15 FUSION TITANIUM AWD SEDAN 4 DOOR/AWD DURANGO CREW WAGON 4 DOOR/Rear 15 FUSION TITANIUM HYBRID 15 DURANGO R/T WAGON 4 DOOR/Rear 15 FUSION TITANIUM PHEV SEDAN 4 DOOR/Front NITRO DETONATOR WAGON 4 DOOR/4x4 12 MUSTANG CONVERTIBLE/Rear NITRO SHOCK WAGON 4 DOOR/4x4 12 MUSTANG COUPE/Rear NITRO SXT WAGON 4 DOOR/AWD 11 MUSTANG BOSS 302 COUPE/Rear 14 RAM 1500 CREW PICKUP/4x4 12 MUSTANG GT CONVERTIBLE/Rear RAM 1500 CREW PICKUP/Rear 12 MUSTANG GT COUPE/Rear RAM 1500 PICKUP/4x4 12 MUSTANG SHELBY GT500 CONVERTIBLE/Rear RAM 1500 PICKUP/Rear 12 MUSTANG SHELBY GT500 COUPE/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 TAURUS SHO SEDAN 4 DOOR/AWD 11 RAM 1500 QUAD CREW PICKUP/Rear 12 RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 GMC RAM 1500 SLT CREW PICKUP/4x4 13 SIERRA C DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SIERRA C1500 CREW PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SIERRA C1500 PICKUP/Rear 12 RAM 1500 ST CREW PICKUP/4x4 13 SIERRA C1500 DENALI CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SIERRA C1500 HYBRID CREW PICKUP/Rear RAM 2500 CREW PICKUP/4x SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear RAM 2500 CREW PICKUP/Rear 12 SIERRA C1500 SL CREW PICKUP/Rear RAM 2500 PICKUP/4x4 12 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear RAM 2500 PICKUP/Rear 12 SIERRA C1500 SLE CREW PICKUP/Rear RAM 2500 MEGA CAB CREW PICKUP/4x SIERRA C1500 SLE PICKUP/Rear RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear RAM 3500 CREW PICKUP/4x SIERRA C1500 SLT CREW PICKUP/Rear RAM 3500 CREW PICKUP/Rear 12 SIERRA K DOOR EXT CAB PK/4x RAM 3500 PICKUP/4x4 12 SIERRA K1500 CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SIERRA K1500 PICKUP/4x4 12 RAM 3500 MEGA CAB CREW PICKUP/4x SIERRA K1500 DENALI CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SIERRA K1500 HYBRID CREW PICKUP/4x SIERRA K1500 SL CREW PICKUP/4x FORD SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x EXPEDITION EDDIE BAUER WAGON 4 DOOR/4x4 11 SIERRA K1500 SLE CREW PICKUP/4x EXPEDITION EDDIE BAUER WAGON 4 DOOR/Rear 11 SIERRA K1500 SLE PICKUP/4x4 12 EXPEDITION EL EDDIE BAUER WAGON 4 DOOR/4x4 11 SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x EXPEDITION EL EDDIE BAUER WAGON 4 DOOR/Rear 11 SIERRA K1500 SLT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/4x SIERRA K2500 CREW PICKUP/4x4 11 EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x EXPEDITION EL XL WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x EXPEDITION EL XL WAGON 4 DOOR/Rear SIERRA K2500 SLE CREW PICKUP/4x EXPEDITION EL XLT WAGON 4 DOOR/4x4 11 SIERRA K2500 SLT CREW PICKUP/4x EXPEDITION EL XLT WAGON 4 DOOR/Rear 11 Effective 06/01/15 HT-2

262 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) DODGE (cont'd) SILVERADO C DOOR EXT CAB PK/Rear RAM 1500 CREW PICKUP/4x4 12 SILVERADO C1500 CREW PICKUP/Rear RAM 1500 CREW PICKUP/Rear 12 SILVERADO C1500 PICKUP/Rear RAM 1500 PICKUP/4x4 12 SILVERADO C1500 HIGH COUN CREW PICKUP/Rear RAM 1500 PICKUP/Rear 12 SILVERADO C1500 HYBRID CREW PICKUP/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear RAM 1500 QUAD CREW PICKUP/Rear 12 SILVERADO C1500 LS CREW PICKUP/Rear RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/4x4 13 SILVERADO C1500 LT CREW PICKUP/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SILVERADO C1500 LT PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear RAM 1500 ST CREW PICKUP/4x4 13 SILVERADO C1500 LTZ CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SILVERADO K1500 CREW PICKUP/4x RAM 2500 CREW PICKUP/4x4 12 SILVERADO K1500 PICKUP/4x RAM 2500 CREW PICKUP/Rear 12 SILVERADO K1500 HIGH COUN CREW PICKUP/4x RAM 2500 PICKUP/4x4 12 SILVERADO K1500 HYBRID CREW PICKUP/4x RAM 2500 PICKUP/Rear 12 SILVERADO K1500 LS CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K1500 LT CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K1500 LT PICKUP/4x RAM 3500 CREW PICKUP/4x4 12 SILVERADO K1500 LTZ CREW PICKUP/4x RAM 3500 CREW PICKUP/Rear 12 SILVERADO K2500 HIGH COUN CREW PICKUP/4x4 16 RAM 3500 PICKUP/4x4 12 SILVERADO K2500HD CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SILVERADO K2500HD LT CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K2500HD LT PICKUP/4x4 13 RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K2500HD LTZ CREW PICKUP/4x SILVERADO K3500 CREW PICKUP/4x FORD SILVERADO K3500 HIGH COUN CREW PICKUP/4x4 16 EXPEDITION EL LIMITED WAGON 4 DOOR/4x SILVERADO K3500 LT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SILVERADO K3500 LTZ CREW PICKUP/4x EXPEDITION EL PLATINUM WAGON 4 DOOR/4x4 16 TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL PLATINUM WAGON 4 DOOR/Rear 16 TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/4x TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/Rear TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/4x TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/4x4 16 TAHOE LT WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/Rear 16 TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XL WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE POLICE WAGON 4 DOOR/4x4 16 EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/4x CHRYSLER EXPLORER LIMITED WAGON 4 DOOR/Front SEDAN 4 DOOR/AWD 15 EXPLORER SPORT WAGON 4 DOOR/4x SEDAN 4 DOOR/Rear EXPLORER XLT WAGON 4 DOOR/4x LIMITED SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/4x LIMITED AWD SEDAN 4 DOOR/AWD 16 F150 4 DOOR EXT CAB PK/Rear S SEDAN 4 DOOR/AWD F150 CREW PICKUP/4x S SEDAN 4 DOOR/Rear F150 CREW PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 PICKUP/4x C SEDAN 4 DOOR/Rear F150 PICKUP/Rear C AWD SEDAN 4 DOOR/AWD F150 SUPER CAB 4 DOOR EXT CAB PK/4x C PLATINUM SEDAN 4 DOOR/Rear 16 F150 SUPER CAB 4 DOOR EXT CAB PK/Rear C PLATINUM AWD SEDAN 4 DOOR/AWD 16 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x C SRT-8 SEDAN 4 DOOR/Rear F150 SVT RAPTOR CREW PICKUP/4x C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 F250 SUPER DUTY CREW PICKUP/4x DODGE F250 SUPER DUTY CREW PICKUP/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/4x4 12 AVENGER SXT SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 CHALLENGER SCAT PACK COUPE/Rear 16 F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 CHALLENGER SRT 392 COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/4x CHALLENGER SRT HELLCAT COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT8 CORE COUPE/Rear 15 F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SXT COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/AWD CHALLENGER SXT PLUS COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/AWD FUSION S SEDAN 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION S HYBRID SEDAN 4 DOOR/Front 16 CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE AWD SEDAN 4 DOOR/AWD 16 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE HYBRID SEDAN 4 DOOR/Front CHARGER SRT HELLCAT SEDAN 4 DOOR/Rear 16 FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION TITANIUM SEDAN 4 DOOR/Front CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION TITANIUM AWD SEDAN 4 DOOR/AWD CHARGER SXT SEDAN 4 DOOR/Rear FUSION TITANIUM HYBRID SEDAN 4 DOOR/Front CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION TITANIUM PHEV SEDAN 4 DOOR/Front CHARGER V6 SEDAN 4 DOOR/AWD 14 MUSTANG CONVERTIBLE/Rear DURANGO CITADEL WAGON 4 DOOR/AWD 16 MUSTANG COUPE/Rear DURANGO CITADEL WAGON 4 DOOR/Rear MUSTANG BOSS 302 COUPE/Rear 14 DURANGO CREW WAGON 4 DOOR/Rear 15 MUSTANG GT CONVERTIBLE/Rear DURANGO LIMITED WAGON 4 DOOR/AWD 16 MUSTANG GT COUPE/Rear DURANGO LIMITED WAGON 4 DOOR/Rear 16 MUSTANG SHELBY GT500 CONVERTIBLE/Rear DURANGO R/T WAGON 4 DOOR/AWD 16 MUSTANG SHELBY GT500 COUPE/Rear DURANGO R/T WAGON 4 DOOR/Rear NITRO DETONATOR WAGON 4 DOOR/4x4 12 GMC NITRO SHOCK WAGON 4 DOOR/4x4 12 SIERRA C DOOR EXT CAB PK/Rear SIERRA C1500 CREW PICKUP/Rear Effective 07/01/16 HT-2 Commonwealth Automobile Reinsurers October 1, 2013 HT-2

263 changed pages pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) JEEP (cont'd) YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/Rear YUKON DENALI XL WAGON 4 DOOR/AWD KIA YUKON DENALI XL WAGON 4 DOOR/Rear OPTIMA EX/SX SEDAN 4 DOOR/Front 11 YUKON HYBRID WAGON 4 DOOR/4x OPTIMA LX SEDAN 4 DOOR/Front 11 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x4 15 YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x4 15 YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x4 15 YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x4 15 YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front 15 RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front 15 RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front 15 ACCORD HYBRID EXL SEDAN 4 DOOR/Front 15 LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front 15 GS 350 SEDAN 4 DOOR/Rear ACCORD LX COUPE/Front GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front 15 GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front 15 IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front 15 IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 11 CROSSTOUR EX WAGON 4 DOOR/Front CROSSTOUR EX-L WAGON 4 DOOR/AWD LINCOLN CROSSTOUR EX-L WAGON 4 DOOR/Front MKS SEDAN 4 DOOR/Front FIT HATCHBACK 4 Door/Front MKS AWD SEDAN 4 DOOR/AWD FIT SPORT HATCHBACK 4 Door/Front MKX AWD WAGON 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT EXLN WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RT PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTL PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/Rear RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR L WAGON 4 DOOR/4x NAVIGATOR L WAGON 4 DOOR/Rear HYUNDAI GENESIS COUPE 2.0T COUPE/Rear 15 MAZDA GENESIS COUPE 3.8L COUPE/Rear 15 MAZDASPEED3 HATCHBACK 4 Door/Front 11 INFINITI MERCEDES-BENZ FX35 WAGON 4 DOOR/AWD 13 C250 COUPE/Rear 15 G37 AWD COUPE/AWD C350 COUPE/Rear 15 G37 AWD SEDAN 4 DOOR/AWD 14 C350 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear C63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear CL550 4MATIC COUPE/AWD 15 G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 CL63 AMG COUPE/Rear 15 M35 SEDAN/SPORT AWD SEDAN 4 DOOR/AWD 11 CL65 AMG COUPE/Rear 15 CLS550 COUPE 4 DOOR/Rear JAGUAR CLS63 AMG COUPE 4 DOOR/Rear XF SEDAN 4 DOOR/Rear E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD 15 XF PORTFOLIO SEDAN 4 DOOR/Rear 13 E350 CONVERTIBLE/Rear 15 XF PREMIUM SEDAN 4 DOOR/Rear 12 E350 COUPE/Rear 15 XF R SEDAN 4 DOOR/Rear E3504M AWD COUPE/AWD 15 XF RS SEDAN 4 DOOR/Rear 15 E3504M AWD SEDAN 4 DOOR/AWD 15 XF SUPERCHARGED SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD 15 E550 CONVERTIBLE/Rear 15 JEEP E550 COUPE/Rear 15 COMMANDER LIMITED WAGON 4 DOOR/4x4 11 E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 COMMANDER LIMITED WAGON 4 DOOR/Rear 11 E63 AMG SEDAN 4 DOOR/AWD 15 COMMANDER SPORT WAGON 4 DOOR/4x4 11 E63 AMG STATION WAGON/AWD 15 COMMANDER SPORT WAGON 4 DOOR/Rear 11 GL350 BLUETEC WAGON 4 DOOR/AWD GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x GL450 4MATIC WAGON 4 DOOR/AWD GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear GL550 4MATIC WAGON 4 DOOR/AWD GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x ML350 WAGON 4 DOOR/AWD 15 GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear ML350 BLUETEC WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x ML350 4 MATIC WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x4 15 ML63 AMG WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear 15 S CLASS S65AMG SEDAN 4 DOOR/Rear Effective 06/01/15 HT-3

264 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE PASSENGER GROUP MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) INFINITI (cont'd) SIERRA C1500 PICKUP/Rear 12 SIERRA C1500 DENALI CREW PICKUP/Rear G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 SIERRA C1500 HYBRID CREW PICKUP/Rear QX50 STATION WAGON/AWD 16 SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear QX60 WAGON 4 DOOR/AWD 16 SIERRA C1500 SL CREW PICKUP/Rear QX60 HYBRID WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear QX70 WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE CREW PICKUP/Rear QX80 WAGON 4 DOOR/4x4 16 SIERRA C1500 SLE PICKUP/Rear SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear JAGUAR SIERRA C1500 SLT CREW PICKUP/Rear XF SEDAN 4 DOOR/Rear SIERRA K DOOR EXT CAB PK/4x XF PORTFOLIO SEDAN 4 DOOR/Rear 13 SIERRA K1500 CREW PICKUP/4x XF PREMIUM SEDAN 4 DOOR/Rear 12 SIERRA K1500 PICKUP/4x4 12 XF R SEDAN 4 DOOR/Rear SIERRA K1500 DENALI CREW PICKUP/4x XF RS SEDAN 4 DOOR/Rear SIERRA K1500 HYBRID CREW PICKUP/4x XF SUPERCHARGED SEDAN 4 DOOR/Rear SIERRA K1500 SL CREW PICKUP/4x SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x JEEP SIERRA K1500 SLE CREW PICKUP/4x GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x SIERRA K1500 SLE PICKUP/4x4 12 GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x SIERRA K1500 SLT CREW PICKUP/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x SIERRA K2500 SLE CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear SIERRA K2500 SLT CREW PICKUP/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD WRANGLER RUBICON WAGON 2 DOOR/4x4 16 YUKON DENALI HYBRID WAGON 4 DOOR/Rear WRANGLER SAHARA WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/4x4 16 WRANGLER SPORT WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/AWD WRANGLER UNLIMITED SAHARA WAGON 4 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/Rear WRANGLER UNLIMITED SPORT WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/4x WRANGLER UNLIMTED RUBICON WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD 12 YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD 12 YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD 12 YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front ACCORD HYBRID EXL SEDAN 4 DOOR/Front LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front GS 350 SEDAN 4 DOOR/Rear 12 ACCORD LX COUPE/Front 13 GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 16 CROSSTOUR EX WAGON 4 DOOR/Front RX 450H WAGON 4 DOOR/AWD 16 CROSSTOUR EX-L WAGON 4 DOOR/AWD CROSSTOUR EX-L WAGON 4 DOOR/Front LINCOLN FIT HATCHBACK 4 Door/Front 13 MKS SEDAN 4 DOOR/Front FIT SPORT HATCHBACK 4 Door/Front 13 MKS AWD SEDAN 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX AWD WAGON 4 DOOR/AWD PILOT EXLN WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front RIDGELINE RT PICKUP/4x MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RTL PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x4 12 RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR WAGON 4 DOOR/Rear 12 NAVIGATOR L WAGON 4 DOOR/4x4 12 HYUNDAI NAVIGATOR L WAGON 4 DOOR/Rear 12 GENESIS COUPE 2.0T COUPE/Rear 15 GENESIS COUPE 3.8L COUPE/Rear MERCEDES-BENZ C250 COUPE/Rear INFINITI C350 COUPE/Rear FX35 WAGON 4 DOOR/AWD 13 C350 4MATIC COUPE/AWD G37 AWD COUPE/AWD 12 C63 AMG COUPE/Rear G37 AWD SEDAN 4 DOOR/AWD 14 CL550 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear 12 CL63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear 12 CL65 AMG COUPE/Rear 15 Effective 07/01/16 HT-3 Commonwealth Automobile Reinsurers October 1, 2013 HT-3

265 changed pages pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) SUBARU S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S550 4MATIC SEDAN 4 DOOR/AWD IMPREZA WRX STI STATION WAGON/AWD S600 SEDAN 4 DOOR/Rear S63 AMG SEDAN 4 DOOR/Rear SUZUKI GRAND VITARA WAGON 4 DOOR/Rear 11 MITSUBISHI GRAND VITARA JLX/LTD WAGON 4 DOOR/4x4 11 ECLIPSE SPYDER GS CONVERTIBLE/Front GRAND VITARA JLX/LTD WAGON 4 DOOR/Rear 11 ECLIPSE SPYDER GT CONVERTIBLE/Front GRAND VITARA PREMIUM WAGON 4 DOOR/4x4 11 LANCER DE SEDAN 4 DOOR/Front 13 GRAND VITARA PREMIUM WAGON 4 DOOR/Rear 11 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 GRAND VITARA X-SPORT WAGON 4 DOOR/AWD 11 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 GRAND VITARA X-SPORT WAGON 4 DOOR/Rear 11 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 TOYOTA LANCER GTS SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER SE SEDAN 4 DOOR/Front 13 AVALON XL/XLS/LIMIT SEDAN 4 DOOR/Front 11 AVALON/LIMITED SEDAN 4 DOOR/Front 12 NISSAN CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front Z CONVERTIBLE/Rear 13 CAMRY SE/XLE SEDAN 4 DOOR/Front Z COUPE/Rear 13 FJ CRUISER WAGON 4 DOOR/4x ALTIMA 2.5 S COUPE/Front 14 FJ CRUISER WAGON 4 DOOR/Rear ARMADA PLATINUM WAGON 4 DOOR/4x4 11 HIGHLANDER WAGON 4 DOOR/AWD 11 ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER WAGON 4 DOOR/Front 11 ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 ARMADA SE/TITANIUM WAGON 4 DOOR/4x HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD 15 ARMADA SE/TITANIUM WAGON 4 DOOR/Rear 11 HIGHLANDER LIMITED WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD 15 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear HIGHLANDER SE WAGON 4 DOOR/AWD 11 FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x4 15 HIGHLANDER SE WAGON 4 DOOR/Front 11 FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 HIGHLANDER SPORT WAGON 4 DOOR/AWD 11 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x4 15 HIGHLANDER SPORT WAGON 4 DOOR/Front 11 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 HIGHLANDER XLE WAGON 4 DOOR/AWD 15 FRONTIER SV/SL CREW PICKUP/4x4 15 HIGHLANDER/HYBRID WAGON 4 DOOR/AWD FRONTIER SV/SL CREW PICKUP/Rear 15 HIGHLANDER/SE WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front HIGHLANDER/SE WAGON 4 DOOR/Front PATHFINDER LE WAGON 4 DOOR/AWD 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD 15 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 SCION TC HATCHBACK 2 Door/Front PATHFINDER S/LE/SE WAGON 4 DOOR/Rear SCION XB WAGON 4 DOOR/Front PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 SEQUOIA LIMITED WAGON 4 DOOR/AWD TITAN S/SV/SL/PRO-4X CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 TITAN SV CREW PICKUP/4x SEQUOIA SR5 WAGON 4 DOOR/AWD TITAN SV CREW PICKUP/Rear 12 TACOMA PICKUP/4x4 13 TITAN XE/SE/LE CREW PICKUP/Rear 11 TACOMA PICKUP/Rear 13 TITAN XE/SE/LE/PRO-4X CREW PICKUP/4x4 11 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PORSCHE TACOMA DOUBLECAB CREW PICKUP/4x CAYENNE WAGON 4 DOOR/AWD TACOMA DOUBLECAB CREW PICKUP/Rear CAYENNE DIESEL 15 TACOMA DOUBLECAB LG BD CREW PICKUP/4x CAYENNEGTS 15 TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 CAYENNE S WAGON 4 DOOR/AWD TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 CAYENNE S HYBRID WAGON 4 DOOR/AWD TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 CAYENNE TURBO WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX LIMITED CREW PICKUP/Rear PANAMERA GTS SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX PLATNUM CREW PICKUP/4x4 15 PANAMERA S HYBRID SEDAN 4 DOOR/Rear 15 TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear 15 TUNDRA CREWMAX SR5 CREW PICKUP/4x PANAMERA TURBO SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX SR5 CREW PICKUP/Rear PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD 15 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x PANAMERA/4 SEDAN 4 DOOR/Rear 15 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x4 15 RAM TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear 15 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/4x VENZA WAGON 4 DOOR/AWD 12 RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear VENZA WAGON 4 DOOR/Front 12 RAM TRUCK 1500 SLT CREW PICKUP/4x VENZA LE/XLE WAGON 4 DOOR/AWD RAM TRUCK 1500 SLT CREW PICKUP/Rear VENZA LE/XLE WAGON 4 DOOR/Front RAM TRUCK 1500 SLT PICKUP/4x4 14 VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD RAM TRUCK 1500 SPORT CREW PICKUP/4x VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front RAM TRUCK 1500 SPORT CREW PICKUP/Rear RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 VOLKSWAGEN RAM TRUCK 1500 ST CREW PICKUP/4x TOUAREG HYBRID WAGON 4 DOOR/AWD 15 RAM TRUCK 1500 ST CREW PICKUP/Rear RAM TRUCK 2500 LARAMIE CREW PICKUP/4x4 15 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x4 15 RAM TRUCK 2500 SLT CREW PICKUP/4x4 15 RAM TRUCK 2500 ST CREW PICKUP/4x4 15 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x4 15 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x4 15 RAM TRUCK 3500 SLT CREW PICKUP/4x4 15 RAM TRUCK 3500 ST CREW PICKUP/4x4 15 Effective 06/01/15 HT-4

266 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) PORSCHE (cont'd) CLS 400 4MATIC SEDAN 4 DOOR/Rear 16 CAYENNEGTS WAGON 4 DOOR/AWD 15 CLS CLASS 400 SEDAN 4 DOOR/AWD 16 CAYENNE S WAGON 4 DOOR/AWD CLS550 COUPE 4 DOOR/Rear 12 CAYENNE S HYBRID WAGON 4 DOOR/AWD CLS550 SEDAN 4 DOOR/Rear 16 CAYENNE TURBO WAGON 4 DOOR/AWD CLS550 4MATIC SEDAN 4 DOOR/AWD 16 PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD CLS63 AMG COUPE 4 DOOR/Rear 12 PANAMERA GTS SEDAN 4 DOOR/AWD E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD PANAMERA S HYBRID SEDAN 4 DOOR/Rear E350 CONVERTIBLE/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear E350 COUPE/Rear 15 PANAMERA TURBO SEDAN 4 DOOR/AWD E3504M AWD COUPE/AWD 15 PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD E3504M AWD SEDAN 4 DOOR/AWD PANAMERA/4 SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD E400 CONVERTIBLE/Rear 16 RAM E400 COUPE/Rear 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x E400 4MATIC COUPE/AWD 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear E400 4MATIC SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 LONGHORN CREW PICKUP/4x E550 CONVERTIBLE/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear E550 COUPE/Rear RAM TRUCK 1500 SLT CREW PICKUP/4x E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 RAM TRUCK 1500 SLT CREW PICKUP/Rear E63 AMG SEDAN 4 DOOR/AWD RAM TRUCK 1500 SLT PICKUP/4x4 14 E63 AMG STATION WAGON/AWD 15 RAM TRUCK 1500 SPORT CREW PICKUP/4x E63 AMG-S SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 SPORT CREW PICKUP/Rear E63 AMG-S STATION WAGON/AWD 16 RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 GL350 BLUETEC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/4x GL450 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/Rear GL550 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 2500 LARAMIE CREW PICKUP/4x GL63 AMG WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x GLA250 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 POWERWAGON CREW PICKUP/4x4 16 GLA-45 AMG STATION WAGON/AWD 16 RAM TRUCK 2500 SLT CREW PICKUP/4x GLK250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 ST CREW PICKUP/4x GLK350 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x ML250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x ML350 WAGON 4 DOOR/AWD RAM TRUCK 3500 SLT CREW PICKUP/4x ML350 BLUETEC WAGON 4 DOOR/AWD 15 RAM TRUCK 3500 ST CREW PICKUP/4x ML400 4 MATIC WAGON 4 DOOR/AWD 16 ML550 4 MATIC WAGON 4 DOOR/AWD 15 SUBARU ML63 AMG WAGON 4 DOOR/AWD IMPREZA WRX SEDAN 4 DOOR/AWD 15 S CLASS S65AMG SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STI STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear WRX SEDAN 4 DOOR/AWD 16 S550 4MATIC SEDAN 4 DOOR/AWD WRX LIMITED SEDAN 4 DOOR/AWD 16 S600 SEDAN 4 DOOR/Rear WRX PREMIUM SEDAN 4 DOOR/AWD 16 S63 AMG SEDAN 4 DOOR/Rear WRX STI SEDAN 4 DOOR/AWD 16 WRX STI LAUNCH EDITION SEDAN 4 DOOR/AWD 16 MITSUBISHI WRX STI LIMITED SEDAN 4 DOOR/AWD 16 ECLIPSE SPYDER GS CONVERTIBLE/Front 12 ECLIPSE SPYDER GT CONVERTIBLE/Front 12 TOYOTA LANCER DE SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 AVALON/LIMITED SEDAN 4 DOOR/Front 12 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 CAMRY SE/XLE SEDAN 4 DOOR/Front 13 LANCER GTS SEDAN 4 DOOR/Front 13 FJ CRUISER WAGON 4 DOOR/4x LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 FJ CRUISER WAGON 4 DOOR/Rear LANCER SE SEDAN 4 DOOR/Front 13 HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD NISSAN HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD Z CONVERTIBLE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/AWD Z COUPE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ALTIMA 2.5 S COUPE/Front 14 HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER XLE WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER/HYBRID WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/4x4 12 HIGHLANDER/SE WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER/SE WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD SCION FR-S COUPE/Rear 16 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear SCION TC HATCHBACK 2 Door/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x SCION XB WAGON 4 DOOR/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x SEQUOIA LIMITED WAGON 4 DOOR/AWD FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 SEQUOIA PLATINUM WAGON 4 DOOR/4x FRONTIER SV/SL CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 FRONTIER SV/SL CREW PICKUP/Rear SEQUOIA SR5 WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front TACOMA PICKUP/4x4 13 PATHFINDER LE WAGON 4 DOOR/AWD 13 TACOMA PICKUP/Rear 13 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 PATHFINDER S/LE/SE WAGON 4 DOOR/Rear TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 TACOMA DOUBLECAB CREW PICKUP/4x PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 TACOMA DOUBLECAB CREW PICKUP/Rear TITAN S/SV/SL/PRO-4X CREW PICKUP/4x TACOMA DOUBLECAB LG BD CREW PICKUP/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 TITAN SV CREW PICKUP/4x TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 TITAN SV CREW PICKUP/Rear 12 TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 TUNDRA CREWMAX 1794 CREW PICKUP/4x4 16 PORSCHE TUNDRA CREWMAX 1794 CREW PICKUP/Rear 16 CAYENNE WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x CAYENNE DIESEL WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/Rear Effective 07/01/16 HT-4 Commonwealth Automobile Reinsurers October 1, 2013 HT-4

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268 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE PASSENGER GROUP MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL TOYOTA (cont'd) Make/Series/Body Style/Driving Wheels TUNDRA CREWMAX PLATNUM CREW PICKUP/4x TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear TUNDRA CREWMAX SR5 CREW PICKUP/4x TUNDRA CREWMAX SR5 CREW PICKUP/Rear TUNDRA CREWMAX SR5/TRD PR CREW PICKUP/4x4 16 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear VENZA WAGON 4 DOOR/AWD 12 VENZA WAGON 4 DOOR/Front 12 VENZA LE/XLE WAGON 4 DOOR/AWD VENZA LE/XLE WAGON 4 DOOR/Front VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front VOLKSWAGEN TOUAREG HYBRID WAGON 4 DOOR/AWD 15 TOUAREG TDI WAGON 4 DOOR/AWD 16 TOUAREG V6 WAGON 4 DOOR/AWD 16 Effective 07/01/16 HT-5 Commonwealth Automobile Reinsurers October 1, 2013 HT-5

269 2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 07/01/16 i

270 RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-5 Effective 07/01/16 iii

271 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 9. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 10. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 8% 8% Effective 07/01/16 v

272 SAFETY ENDORSEMENT FORMS AND RATING PLAN AND TIER PROGRAM: 11. Safety Shield (SSA 001) Adds extensions and additional coverages to the specified vehicle. Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value 12. Safety Shield Plus (SSA 002) Extended Substitute Transportation Emergency Road Travel Expenses Premium is $25.00 per vehicle Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Rental Vehicle Loss of Income Coverage Personal Effects Lock in Value Extended Substitute Transportation Emergency Road Travel Expenses Supplemental Towing and Labor Air Bag Coverage Disappearing Deductible Seat Belt Pet Coverage Bail Bonds Accident Forgiveness Premium is $35.00 per vehicle 13. Auto Loan/Lease Gap Coverage (SLL 002) In the event of a Total Loss to a specified vehicle with this coverage, Safety will pay any unpaid amount due on the lease or loan for that vehicle. Premium is $25.00 per vehicle. 14. Safety s Rating Plan and Tier Placement Program Rating Plan (A or B) and Tier placement are based on an analysis of the following policy characteristics: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Whether the policy qualifies for the Multi-Car Discount (Rule 19. A). The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policy qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.). What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on policy. For an extended description of the products refer to your Safety Insurance Personal Auto Manual. If you have any questions please call your personal auto underwriter. * NOTE: Policies in Rating Plan B are not eligible for the discounts and endorsements listed above. Effective 07/01/16 vi

273 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. Rounding should occur after the application of each step in section 11.A. and 11.B.1 above. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: Effective 07/01/16 7

274 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Public Transit Discount 6. Basic Package Adjustment Factor* 7. Age 65 and Older Discount 8. Renewal Credit Discount 9. Student Discount 10. Agency Loyalty Discount 11. E-customer Discount 12. Electronic Book Transfer Discount 13. Non-Safety Account Credit Discount Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Annual Mileage Discount Multi-Car Discount Anti-Theft Discount Public Transportation Discount Account Credit Discount (Safety Account Credit Discount only) Basic Package Adjustment Factor* The Annual Mileage Discount, Multi-Car Discount, and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. The remaining discounts shall not be rounded. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All 0.68 Effective 07/01/16 8

275 b. Rating Plan B: All 20 2 All 0.68 All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All All 25 3 All All 25 4 All All All All 30 0 All All 30 1 All All 30 2 All All 30 3 All All 30 4 All All All All All All 40 0 All All 40 1 All All 40 2 All All 40 3 All 0.68 All 40 4 All 0.68 All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All All 45 4 All All All All 50 0 All 0.81 All 50 1 All All 50 2 All All 50 3 All All 50 4 All 0.81 All All All All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All 0.77 All 83 0 All All 83 1 All 0.87 All 83 2 All All 83 3 All All 83 4 All All All Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discounts shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Effective 07/01/16 9

276 RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. Effective 07/01/16 16

277 A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% Effective 07/01/16 18

278 J. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. K. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Electronic Book Transfer Discount Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% An eligible policyholder who elects to move their policy from a non-safety company into a Safety rating program and is part of a qualified book transfer meeting the underwriting rules established by the company shall be entitled to a discount described below: Effective 07/01/16 19

279 A first-time policyholder to Safety Insurance Group who (A) elects to transfer their policy as part of an Electronic Book Transfer to Safety 30 days before the policy effective date and (B) is part of a qualified book transfer meeting the underwriting rules established by the company and (C) qualifies under Section K. for New Business Discount for Agency Loyalty on the date of transfer in (A) will be eligible for an Electronic Book Transfer Discount for Parts For policies written as new business prior to 01/01/14: A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. For policies written as new business on or after 01/01/14: A 11% discount will apply for the first year insured with Safety, a 9% discount on the second year insured with Safety, a 7% discount on the third year insured with Safety, a 5% discount on the fourth year insured with Safety, and a 2% discount on the fifth year insured with Safety. Any discounts developed in Rule 19 L. are in addition to discounts developed in other sections of Rule 19. L. Low Frequency Discount A discount will be given on Parts 1, 2, 4 and 5 for vehicles whose rated operator meets certain low frequency requirements: The rated operator has 4 or less merit rating points as defined in Rule 56 Merit Rating Plan and No claim payment under any of the above coverage parts has been made to or on behalf of the rated operator in connection with more than one accident during the three years preceding the effective date of the policy. Effective 07/01/16 20

280 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 07/01/16 23

281 C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A 28 A A A B B B B A Effective 07/01/16 26

282 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A 1 A 38 A A B A A C B A 39 A A B A A D A 1 A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A 1.1 A 46 A A B A B C B A 47 A A B A B D A 1.1 A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A 1 A 54 A A B B A C B A 55 A A B B A D A 1 A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A 1.1 A 62 A A B B B C B A 63 A A B B B D A 1.1 A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A 1 A 70 A A C A A C B A 71 A A C A A D A 1 A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A 1.1 A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A 81 A A C B A A A A Effective 07/01/16 27

283 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A 1 A 86 A A C B A C B A 87 A A C B A D A 1 A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A 1.1 A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A 1 A 102 A A D A A C B A 103 A A D A A D A 1 A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A 1.1 A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A 1 A 118 A A D B A C B A 119 A A D B A D A 1 A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A 1.1 A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A 1 A 134 A A E A A C B A Effective 07/01/16 28

284 135 A A E A A D A 1 A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A 1.02 A 140 A A E A B B B A 141 A A E A B C A 1.01 A 142 A A E A B C B A 143 A A E A B D A 1.01 A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A 1 A 150 A A E B A C B A 151 A A E B A D A 1 A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A 1.02 A 156 A A E B B B B A 157 A A E B B C A 1.01 A 158 A A E B B C B A 159 A A E B B D A 1.01 A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A 1 A 166 A A F A A C B A 167 A A F A A D A 1 A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A 1.02 A 172 A A F A B B B A 173 A A F A B C A 1.1 A 174 A A F A B C B A 175 A A F A B D A 1.1 A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A 1 A 182 A A F B A C B A 183 A A F B A D A 1 A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A 187 A A F B B B A 1.02 A Effective 07/01/16 29

285 188 A A F B B B B A 189 A A F B B C A 1.1 A 190 A A F B B C B A 191 A A F B B D A 1.1 A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A 1.02 A 238 A B B A B C B A 239 A B B A B D A 1.02 A 240 A B B A B D B A Effective 07/01/16 30

286 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A 1.02 A 254 A B B B B C B A 255 A B B B B D A 1.02 A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A 1 A 262 A B C A A C B A 263 A B C A A D A 1 A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A 1.1 A 268 A B C A B B B A 269 A B C A B C A 1.01 A 270 A B C A B C B A 271 A B C A B D A 1.01 A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A 1 A 278 A B C B A C B A 279 A B C B A D A 1 A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A 1.1 A 284 A B C B B B B A 285 A B C B B C A 1.01 A 286 A B C B B C B A 287 A B C B B D A 1.01 A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A 293 A B D A A C A 1 A Effective 07/01/16 31

287 294 A B D A A C B A 295 A B D A A D A 1 A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A 1.1 A 300 A B D A B B B A 301 A B D A B C A 1.01 A 302 A B D A B C B A 303 A B D A B D A 1.01 A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A 1 A 310 A B D B A C B A 311 A B D B A D A 1 A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A 1.1 A 316 A B D B B B B A 317 A B D B B C A 1.01 A 318 A B D B B C B A 319 A B D B B D A 1.01 A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A 1 A 324 A B E A A B B A 325 A B E A A C A 1 A 326 A B E A A C B A 327 A B E A A D A 1 A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A 1.1 A 332 A B E A B B B A 333 A B E A B C A 1.02 A 334 A B E A B C B A 335 A B E A B D A 1.02 A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A 1 A 340 A B E B A B B A 341 A B E B A C A 1 A 342 A B E B A C B A 343 A B E B A D A 1 A 344 A B E B A D B A 345 A B E B B A A A 346 A B E B B A B A Effective 07/01/16 32

288 347 A B E B B B A 1.1 A 348 A B E B B B B A 349 A B E B B C A 1.02 A 350 A B E B B C B A 351 A B E B B D A 1.02 A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A 1.02 A 364 A B F A B B B A 365 A B F A B C A 1.1 A 366 A B F A B C B A 367 A B F A B D A 1.1 A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A 1.02 A 380 A B F B B B B A 381 A B F B B C A 1.1 A 382 A B F B B C B A 383 A B F B B D A 1.1 A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A 1.02 A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A 399 B A A A B D A A Effective 07/01/16 33

289 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A 1.02 A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A 1.1 A 422 B A B A A C B A 423 B A B A A D A 1.1 A 424 B A B A A D B A 425 B A B A B A A 1.2 A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A 1.2 A 430 B A B A B C B A 431 B A B A B D A 1.2 A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A 1.1 A 438 B A B B A C B A 439 B A B B A D A 1.1 A 440 B A B B A D B A 441 B A B B B A A 1.2 A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A 1.2 A 446 B A B B B C B A 447 B A B B B D A 1.2 A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A 452 B A C A A B B 1.1 A Effective 07/01/16 34

290 453 B A C A A C A 1.1 A 454 B A C A A C B A 455 B A C A A D A 1.1 A 456 B A C A A D B A 457 B A C A B A A 1.05 A 458 B A C A B A B A 459 B A C A B B A 1.1 A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B 1.1 A 469 B A C B A C A 1.1 A 470 B A C B A C B A 471 B A C B A D A 1.1 A 472 B A C B A D B A 473 B A C B B A A 1.05 A 474 B A C B B A B A 475 B A C B B B A 1.1 A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B 1.1 A 485 B A D A A C A 1.1 A 486 B A D A A C B A 487 B A D A A D A 1.1 A 488 B A D A A D B A 489 B A D A B A A 1.05 A 490 B A D A B A B A 491 B A D A B B A 1.1 A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B 1.1 A 501 B A D B A C A 1.1 A 502 B A D B A C B A 503 B A D B A D A 1.1 A 504 B A D B A D B A 505 B A D B B A A 1.05 A Effective 07/01/16 35

291 506 B A D B B A B A 507 B A D B B B A 1.1 A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B 1.02 A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A 1.1 A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B 1.02 A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A 1.1 A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B 1.02 A 551 B A F A A D A A 552 B A F A A D B 1.02 A 553 B A F A B A A A 554 B A F A B A B 1.05 A 555 B A F A B B A A 556 B A F A B B B 1.2 A 557 B A F A B C A A 558 B A F A B C B 1.1 A Effective 07/01/16 36

292 559 B A F A B D A A 560 B A F A B D B 1.1 A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B 1.02 A 567 B A F B A D A A 568 B A F B A D B 1.02 A 569 B A F B B A A A 570 B A F B B A B 1.05 A 571 B A F B B B A A 572 B A F B B B B 1.2 A 573 B A F B B C A A 574 B A F B B C B 1.1 A 575 B A F B B D A A 576 B A F B B D B 1.1 A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A 1 B 602 B B A B B A B 1 B 603 B B A B B B A 1 B 604 B B A B B B B 1 B 605 B B A B B C A 1 B 606 B B A B B C B 1 B 607 B B A B B D A 1 B 608 B B A B B D B 1 B 609 B B B A A A A A 610 B B B A A A B A 611 B B B A A B A A Effective 07/01/16 37

293 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A 1.2 A 622 B B B A B C B A 623 B B B A B D A 1.2 A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A 1 B 634 B B B B B A B 1 B 635 B B B B B B A 1 B 636 B B B B B B B 1 B 637 B B B B B C A 1 B 638 B B B B B C B 1 B 639 B B B B B D A 1 B 640 B B B B B D B 1 B 641 B B C A A A A 1.07 A 642 B B C A A A B 1.3 A 643 B B C A A B A 1.07 A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A 1.1 A 650 B B C A B A B A 651 B B C A B B A 1.1 A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A 1.07 A 658 B B C B A A B 1.3 A 659 B B C B A B A 1.07 A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A 664 B B C B A D B A Effective 07/01/16 38

294 665 B B C B B A A 1 B 666 B B C B B A B 1 B 667 B B C B B B A 1 B 668 B B C B B B B 1 B 669 B B C B B C A 1 B 670 B B C B B C B 1 B 671 B B C B B D A 1 B 672 B B C B B D B 1 B 673 B B D A A A A 1 A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A 1.1 A 678 B B D A A C B A 679 B B D A A D A 1.1 A 680 B B D A A D B A 681 B B D A B A A 1.05 A 682 B B D A B A B A 683 B B D A B B A 1.1 A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A 1 A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A 1.1 A 694 B B D B A C B A 695 B B D B A D A 1.1 A 696 B B D B A D B A 697 B B D B B A A 1.05 A 698 B B D B B A B A 699 B B D B B B A 1.1 A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B 1.1 A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B 1.2 A 715 B B E A B B A 1.1 A 716 B B E A B B B A 717 B B E A B C A A Effective 07/01/16 39

295 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B 1.1 A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B 1.2 A 731 B B E B B B A 1.1 A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B 1.02 A 743 B B F A A D A A 744 B B F A A D B 1.02 A 745 B B F A B A A A 746 B B F A B A B 1.05 A 747 B B F A B B A A 748 B B F A B B B 1.1 A 749 B B F A B C A A 750 B B F A B C B 1.1 A 751 B B F A B D A A 752 B B F A B D B 1.1 A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B 1.02 A 759 B B F B A D A A 760 B B F B A D B 1.02 A 761 B B F B B A A A 762 B B F B B A B 1.05 A 763 B B F B B B A A 764 B B F B B B B 1.1 A 765 B B F B B C A A 766 B B F B B C B 1.1 A 767 B B F B B D A A 768 B B F B B D B 1.1 A Effective 07/01/16 40

296 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. c. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 07/01/16 44

297 RULE 55. PRE-INSURANCE INSPECTION PROGRAM Pre-insurance inspections will be waived for all vehicles insured under a policy. This rule will apply uniformly to all insureds. Effective 07/01/16 60

298 RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. For accidents occurring prior to July 1, 2015, an at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. For accidents occurring on or after July 1, 2015, an at-fault accident is defined as minor only if it resulted in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of more than $1,000 and up to $5,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $5,000. Effective 07/01/16 61

299 If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 07/01/16 62

300 Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators Inexperienced Operators (Rate Class 50-57, or 30) (All Other Rate Classes) Parts 1, Parts 1, 2, and 4 Part 5 Part 7 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 07/01/16 63

301 Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 07/01/16 64

302 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory , , , , , , , , , , , , , , , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 2

303 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 3

304 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 4

305 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 5

306 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory ,134 1, , ,186 1,097 1, , ,184 1,095 1, , ,248 1,155 1, ,122 1, ,265 1,170 1, ,139 1,023 1, ,290 1,192 1, ,160 1,042 1, ,379 1,275 1, ,240 1,115 1, ,304 1,207 1, ,174 1,055 1, ,284 1,188 1, ,156 1,038 1, ,307 1,210 1, ,177 1,058 1, ,279 1,184 1, ,151 1,034 1, ,308 1,211 1, ,179 1,059 1, ,512 1,398 1, ,360 1,222 1, ,435 1,327 1,263 1,194 1,105 1,052 1,291 1,160 1,136 1, , ,570 1,453 1,383 1,080 1, ,413 1,270 1, , ,729 1,599 1, ,556 1,397 1, ,287 1,190 1, ,158 1,040 1, ,420 1,314 1, ,278 1,149 1, ,311 1,214 1, ,181 1,061 1, , ,715 1,587 1,511 1, ,544 1,387 1, , ,474 1,363 1,297 1,150 1,064 1,013 1,327 1,190 1, ,110 1, ,688 1,562 1,487 1,288 1,191 1,134 1,519 1,365 1,338 1,103 1,041 1, ,490 1,379 1, ,341 1,206 1, ,342 1,242 1, ,209 1,085 1, ,519 1,406 1, ,368 1,228 1, ,108 1, ,771 1,639 1,560 1,111 1, ,594 1,432 1, , , ,286 1,189 1, ,157 1,039 1, ,283 1,187 1, ,155 1,037 1, ,400 1,295 1, ,260 1,132 1, ,641 1,518 1,445 1, ,478 1,327 1, ,395 1,290 1, ,255 1,127 1, ,562 1,446 1,376 1, ,407 1,263 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 6

307 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 07/01/16 R - 7

308 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 8

309 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 9

310 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 07/01/16 R - 11

311 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 18

312 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 07/01/16 R - 19

313 Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account credit, age 65 and older, renewal credit, agency loyalty, e-customer, electronic book transfer) The Annual Mileage Discount, Multi-Car Discount, and Anti-Theft Device Discount shall be rounded to the nearest dollar after each application. Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Anti-Theft Discount Account Credit Discount (Safety Account Credit Discount only) Motorcycle Rider Training Program Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Rounding should occur after the application of each discount. Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply all applicable discounts as specified above (including the Maximum Combined Discounts cap) 6) Apply Merit Rating adjustment Rounding should occur after each step. See the discount sections above for the specific rounding rules for the discount step. Effective 07/01/16 M-12

314 Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 11% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 07/01/16 RS-1

315 Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 07/01/16 RS-2

316 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Effective 8/1/2015 HIGH THEFT VEHICLE LIST Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2015-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CADILLAC (cont'd) MDX WAGON 4 DOOR/4x4 13 ESCALADE EXT LUXURY SPORT PICKUP/AWD MDX WAGON 4 DOOR/AWD ESCALADE EXT LUXURY UTILITY/AWD 12 MDX ADVANCE WAGON 4 DOOR/4x4 13 ESCALADE EXT PREMIUM SPORT PICKUP/AWD MDX ADVANCE WAGON 4 DOOR/AWD ESCALADE EXT PREMIUM UTILITY/AWD 12 MDX TECH WAGON 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/4x4 14 TL AWD SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/AWD TL AWD ADVANCE SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/Rear TL AWD TECH SEDAN 4 DOOR/AWD ESCALADE LUXURY WAGON 4 DOOR/4x4 16 TLX SEDAN 4 DOOR/Front 16 ESCALADE LUXURY WAGON 4 DOOR/AWD TLX ADVANCE SEDAN 4 DOOR/AWD 16 ESCALADE LUXURY WAGON 4 DOOR/Rear TLX ADVANCE SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/4x4 16 TLX TECH SEDAN 4 DOOR/AWD 16 ESCALADE PLATINUM WAGON 4 DOOR/AWD TLX TECH SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/Rear ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 AUDI ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD A5 QUATTRO PREM PLUS CONVERTIBLE/AWD ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/4x4 16 A5 QUATTRO PREMIUM CONVERTIBLE/AWD ESCALADE PREMIUM WAGON 4 DOOR/AWD A5 QUATTRO PREMIUM COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD XTS SEDAN 4 DOOR/Front 16 A5 QUATTRO PRESTIGE COUPE/AWD XTS DELIVERY SEDAN 4 DOOR/Front 16 A7 PREMIUM PLUS QUATT HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/AWD 16 A7 PREMIUM QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/Front 16 A7 PRESTIGE QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS PLATINUM SEDAN 4 DOOR/AWD 16 Q7 PREMIUM WAGON 4 DOOR/AWD XTS PLATINUM SEDAN 4 DOOR/Front 16 Q7 PREMIUM PLUS WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/AWD 16 Q7 PRESTIGE WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/Front 16 Q7 TDI PREMIUM WAGON 4 DOOR/AWD 16 XTS VSPORT PLATINUM SEDAN 4 DOOR/AWD 16 Q7 TDI PREMIUM PLUS WAGON 4 DOOR/AWD 16 XTS VSPORT PREMIUM SEDAN 4 DOOR/AWD 16 Q7 TDI PRESTIGE WAGON 4 DOOR/AWD 16 CHEVROLET BMW AVALANCHE C1500 LT SPORT PICKUP/Rear I CONVERTIBLE/Rear 14 AVALANCHE C1500 LT UTILITY/Rear I COUPE/Rear 14 AVALANCHE K1500 LT SPORT PICKUP/4x I SULEV CONVERTIBLE/Rear 14 AVALANCHE K1500 LT UTILITY/4x I SULEV COUPE/Rear 14 AVALANCHE LS UTILITY/4x XI COUPE/AWD 14 AVALANCHE LS UTILITY/Rear XI SULEV COUPE/AWD 14 AVALANCHE LTZ UTILITY/4x I CONVERTIBLE/Rear 14 AVALANCHE LTZ UTILITY/Rear I COUPE/Rear 14 C1500 SILVERADO CREW PICKUP/Rear 335I SULEV CONVERTIBLE/Rear 14 C1500 SUBURBAN WAGON 4 DOOR/Rear I SULEV COUPE/Rear 14 C1500 SUBURBAN LS WAGON 4 DOOR/Rear XI COUPE/AWD 14 C1500 SUBURBAN LT WAGON 4 DOOR/Rear XI SEDAN 4 DOOR/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear D XDRIVE SEDAN 4 DOOR/AWD CAMARO LS COUPE/Rear XI SEDAN 4 DOOR/AWD CAMARO LT CONVERTIBLE/Rear XI GT HATCHBACK 4 DOOR/AWD CAMARO LT COUPE/Rear I XI GT HATCHBACK 4 DOOR/AWD CAMARO SS CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CAMARO SS COUPE/Rear X5 M WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CAMARO ZL1 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE CONVERTIBLE/Rear CORVETTE COUPE/Rear BUICK CORVETTE 1LT CONVERTIBLE/Rear LACROSSE SEDAN 4 DOOR/Front CORVETTE 1LT COUPE/Rear LACROSSE AWD SEDAN 4 DOOR/Front CORVETTE 1LT Z5I CONVERTIBLE/Rear LACROSSE PREMIUM SEDAN 4 DOOR/Front CORVETTE 1LT Z5I COUPE/Rear LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD CORVETTE 1LZ Z06 COUPE/Rear 16 LACROSSE TOURING SEDAN 4 DOOR/Front 15 CORVETTE 2LT CONVERTIBLE/Rear LACROSSE W/EASSIST SEDAN 4 DOOR/Front CORVETTE 2LT COUPE/Rear CORVETTE 2LT Z5I CONVERTIBLE/Rear CADILLAC CORVETTE 2LT Z5I COUPE/Rear CTS-V COUPE/Rear 16 CORVETTE 2LZ Z06 CONVERTIBLE/Rear 16 DTS SEDAN 4 DOOR/Front 12 CORVETTE 2LZ Z06 COUPE/Rear 16 DTS LUXURY COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT CONVERTIBLE/Rear DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT COUPE/Rear DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT Z5I CONVERTIBLE/Rear ESCALADE WAGON 4 DOOR/4x4 16 CORVETTE 3LT Z5I COUPE/Rear ESCALADE WAGON 4 DOOR/AWD CORVETTE 3LZ Z06 CONVERTIBLE/Rear 16 ESCALADE WAGON 4 DOOR/Rear CORVETTE 3LZ Z06 COUPE/Rear 16 ESCALADE ESV WAGON 4 DOOR/4x4 16 CORVETTE 427 CONVERTIBLE/Rear 14 ESCALADE ESV WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear ESCALADE ESV WAGON 4 DOOR/Rear CORVETTE GRAND SPORT COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/4x4 16 CORVETTE Z06 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear IMPALA LT SEDAN 4 DOOR/Front 16 ESCALADE ESV PLATINUM WAGON 4 DOOR/4x4 16 IMPALA LTZ SEDAN 4 DOOR/Front ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD K1500 SUBURBAN WAGON 4 DOOR/4x ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear K1500 SUBURBAN LS WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/4x4 16 K1500 SUBURBAN LT WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD K1500 SUBURBAN LTZ WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear K2500 SUBURBAN WAGON 4 DOOR/4x4 14 ESCALADE EXT SPORT PICKUP/AWD K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 ESCALADE EXT UTILITY/AWD 12 K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 HT-1 Commonwealth Automobile Reinsurers October 1, 2013

317 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) DODGE (cont'd) SILVERADO C DOOR EXT CAB PK/Rear RAM 1500 CREW PICKUP/4x4 12 SILVERADO C1500 CREW PICKUP/Rear RAM 1500 CREW PICKUP/Rear 12 SILVERADO C1500 PICKUP/Rear RAM 1500 PICKUP/4x4 12 SILVERADO C1500 HIGH COUN CREW PICKUP/Rear RAM 1500 PICKUP/Rear 12 SILVERADO C1500 HYBRID CREW PICKUP/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear RAM 1500 QUAD CREW PICKUP/Rear 12 SILVERADO C1500 LS CREW PICKUP/Rear RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/4x4 13 SILVERADO C1500 LT CREW PICKUP/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SILVERADO C1500 LT PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear RAM 1500 ST CREW PICKUP/4x4 13 SILVERADO C1500 LTZ CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SILVERADO K1500 CREW PICKUP/4x RAM 2500 CREW PICKUP/4x4 12 SILVERADO K1500 PICKUP/4x RAM 2500 CREW PICKUP/Rear 12 SILVERADO K1500 HIGH COUN CREW PICKUP/4x RAM 2500 PICKUP/4x4 12 SILVERADO K1500 HYBRID CREW PICKUP/4x RAM 2500 PICKUP/Rear 12 SILVERADO K1500 LS CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K1500 LT CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K1500 LT PICKUP/4x RAM 3500 CREW PICKUP/4x4 12 SILVERADO K1500 LTZ CREW PICKUP/4x RAM 3500 CREW PICKUP/Rear 12 SILVERADO K2500 HIGH COUN CREW PICKUP/4x4 16 RAM 3500 PICKUP/4x4 12 SILVERADO K2500HD CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SILVERADO K2500HD LT CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K2500HD LT PICKUP/4x4 13 RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K2500HD LTZ CREW PICKUP/4x SILVERADO K3500 CREW PICKUP/4x FORD SILVERADO K3500 HIGH COUN CREW PICKUP/4x4 16 EXPEDITION EL LIMITED WAGON 4 DOOR/4x SILVERADO K3500 LT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SILVERADO K3500 LTZ CREW PICKUP/4x EXPEDITION EL PLATINUM WAGON 4 DOOR/4x4 16 TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL PLATINUM WAGON 4 DOOR/Rear 16 TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/4x TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/Rear TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/4x TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/4x4 16 TAHOE LT WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/Rear 16 TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XL WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE POLICE WAGON 4 DOOR/4x4 16 EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/4x CHRYSLER EXPLORER LIMITED WAGON 4 DOOR/Front SEDAN 4 DOOR/AWD 15 EXPLORER SPORT WAGON 4 DOOR/4x SEDAN 4 DOOR/Rear EXPLORER XLT WAGON 4 DOOR/4x LIMITED SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/4x LIMITED AWD SEDAN 4 DOOR/AWD 16 F150 4 DOOR EXT CAB PK/Rear S SEDAN 4 DOOR/AWD F150 CREW PICKUP/4x S SEDAN 4 DOOR/Rear F150 CREW PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 PICKUP/4x C SEDAN 4 DOOR/Rear F150 PICKUP/Rear C AWD SEDAN 4 DOOR/AWD F150 SUPER CAB 4 DOOR EXT CAB PK/4x C PLATINUM SEDAN 4 DOOR/Rear 16 F150 SUPER CAB 4 DOOR EXT CAB PK/Rear C PLATINUM AWD SEDAN 4 DOOR/AWD 16 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x C SRT-8 SEDAN 4 DOOR/Rear F150 SVT RAPTOR CREW PICKUP/4x C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 F250 SUPER DUTY CREW PICKUP/4x DODGE F250 SUPER DUTY CREW PICKUP/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/4x4 12 AVENGER SXT SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 CHALLENGER SCAT PACK COUPE/Rear 16 F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 CHALLENGER SRT 392 COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/4x CHALLENGER SRT HELLCAT COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT8 CORE COUPE/Rear 15 F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SXT COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/AWD CHALLENGER SXT PLUS COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/AWD FUSION S SEDAN 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION S HYBRID SEDAN 4 DOOR/Front 16 CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE AWD SEDAN 4 DOOR/AWD 16 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE HYBRID SEDAN 4 DOOR/Front CHARGER SRT HELLCAT SEDAN 4 DOOR/Rear 16 FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION TITANIUM SEDAN 4 DOOR/Front CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION TITANIUM AWD SEDAN 4 DOOR/AWD CHARGER SXT SEDAN 4 DOOR/Rear FUSION TITANIUM HYBRID SEDAN 4 DOOR/Front CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION TITANIUM PHEV SEDAN 4 DOOR/Front CHARGER V6 SEDAN 4 DOOR/AWD 14 MUSTANG CONVERTIBLE/Rear DURANGO CITADEL WAGON 4 DOOR/AWD 16 MUSTANG COUPE/Rear DURANGO CITADEL WAGON 4 DOOR/Rear MUSTANG BOSS 302 COUPE/Rear 14 DURANGO CREW WAGON 4 DOOR/Rear 15 MUSTANG GT CONVERTIBLE/Rear DURANGO LIMITED WAGON 4 DOOR/AWD 16 MUSTANG GT COUPE/Rear DURANGO LIMITED WAGON 4 DOOR/Rear 16 MUSTANG SHELBY GT500 CONVERTIBLE/Rear DURANGO R/T WAGON 4 DOOR/AWD 16 MUSTANG SHELBY GT500 COUPE/Rear DURANGO R/T WAGON 4 DOOR/Rear NITRO DETONATOR WAGON 4 DOOR/4x4 12 GMC NITRO SHOCK WAGON 4 DOOR/4x4 12 SIERRA C DOOR EXT CAB PK/Rear SIERRA C1500 CREW PICKUP/Rear HT-2 Commonwealth Automobile Reinsurers October 1, 2013

318 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) INFINITI (cont'd) SIERRA C1500 PICKUP/Rear 12 SIERRA C1500 DENALI CREW PICKUP/Rear G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 SIERRA C1500 HYBRID CREW PICKUP/Rear QX50 STATION WAGON/AWD 16 SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear QX60 WAGON 4 DOOR/AWD 16 SIERRA C1500 SL CREW PICKUP/Rear QX60 HYBRID WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear QX70 WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE CREW PICKUP/Rear QX80 WAGON 4 DOOR/4x4 16 SIERRA C1500 SLE PICKUP/Rear SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear JAGUAR SIERRA C1500 SLT CREW PICKUP/Rear XF SEDAN 4 DOOR/Rear SIERRA K DOOR EXT CAB PK/4x XF PORTFOLIO SEDAN 4 DOOR/Rear 13 SIERRA K1500 CREW PICKUP/4x XF PREMIUM SEDAN 4 DOOR/Rear 12 SIERRA K1500 PICKUP/4x4 12 XF R SEDAN 4 DOOR/Rear SIERRA K1500 DENALI CREW PICKUP/4x XF RS SEDAN 4 DOOR/Rear SIERRA K1500 HYBRID CREW PICKUP/4x XF SUPERCHARGED SEDAN 4 DOOR/Rear SIERRA K1500 SL CREW PICKUP/4x SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x JEEP SIERRA K1500 SLE CREW PICKUP/4x GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x SIERRA K1500 SLE PICKUP/4x4 12 GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x SIERRA K1500 SLT CREW PICKUP/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x SIERRA K2500 SLE CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear SIERRA K2500 SLT CREW PICKUP/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD WRANGLER RUBICON WAGON 2 DOOR/4x4 16 YUKON DENALI HYBRID WAGON 4 DOOR/Rear WRANGLER SAHARA WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/4x4 16 WRANGLER SPORT WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/AWD WRANGLER UNLIMITED SAHARA WAGON 4 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/Rear WRANGLER UNLIMITED SPORT WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/4x WRANGLER UNLIMTED RUBICON WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD 12 YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD 12 YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD 12 YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front ACCORD HYBRID EXL SEDAN 4 DOOR/Front LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front GS 350 SEDAN 4 DOOR/Rear 12 ACCORD LX COUPE/Front 13 GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 16 CROSSTOUR EX WAGON 4 DOOR/Front RX 450H WAGON 4 DOOR/AWD 16 CROSSTOUR EX-L WAGON 4 DOOR/AWD CROSSTOUR EX-L WAGON 4 DOOR/Front LINCOLN FIT HATCHBACK 4 Door/Front 13 MKS SEDAN 4 DOOR/Front FIT SPORT HATCHBACK 4 Door/Front 13 MKS AWD SEDAN 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX AWD WAGON 4 DOOR/AWD PILOT EXLN WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front RIDGELINE RT PICKUP/4x MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RTL PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x4 12 RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR WAGON 4 DOOR/Rear 12 NAVIGATOR L WAGON 4 DOOR/4x4 12 HYUNDAI NAVIGATOR L WAGON 4 DOOR/Rear 12 GENESIS COUPE 2.0T COUPE/Rear 15 GENESIS COUPE 3.8L COUPE/Rear MERCEDES-BENZ C250 COUPE/Rear INFINITI C350 COUPE/Rear FX35 WAGON 4 DOOR/AWD 13 C350 4MATIC COUPE/AWD G37 AWD COUPE/AWD 12 C63 AMG COUPE/Rear G37 AWD SEDAN 4 DOOR/AWD 14 CL550 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear 12 CL63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear 12 CL65 AMG COUPE/Rear 15 HT-3 Commonwealth Automobile Reinsurers October 1, 2013

319 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) PORSCHE (cont'd) CLS 400 4MATIC SEDAN 4 DOOR/Rear 16 CAYENNEGTS WAGON 4 DOOR/AWD 15 CLS CLASS 400 SEDAN 4 DOOR/AWD 16 CAYENNE S WAGON 4 DOOR/AWD CLS550 COUPE 4 DOOR/Rear 12 CAYENNE S HYBRID WAGON 4 DOOR/AWD CLS550 SEDAN 4 DOOR/Rear 16 CAYENNE TURBO WAGON 4 DOOR/AWD CLS550 4MATIC SEDAN 4 DOOR/AWD 16 PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD CLS63 AMG COUPE 4 DOOR/Rear 12 PANAMERA GTS SEDAN 4 DOOR/AWD E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD PANAMERA S HYBRID SEDAN 4 DOOR/Rear E350 CONVERTIBLE/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear E350 COUPE/Rear 15 PANAMERA TURBO SEDAN 4 DOOR/AWD E3504M AWD COUPE/AWD 15 PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD E3504M AWD SEDAN 4 DOOR/AWD PANAMERA/4 SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD E400 CONVERTIBLE/Rear 16 RAM E400 COUPE/Rear 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x E400 4MATIC COUPE/AWD 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear E400 4MATIC SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 LONGHORN CREW PICKUP/4x E550 CONVERTIBLE/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear E550 COUPE/Rear RAM TRUCK 1500 SLT CREW PICKUP/4x E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 RAM TRUCK 1500 SLT CREW PICKUP/Rear E63 AMG SEDAN 4 DOOR/AWD RAM TRUCK 1500 SLT PICKUP/4x4 14 E63 AMG STATION WAGON/AWD 15 RAM TRUCK 1500 SPORT CREW PICKUP/4x E63 AMG-S SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 SPORT CREW PICKUP/Rear E63 AMG-S STATION WAGON/AWD 16 RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 GL350 BLUETEC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/4x GL450 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/Rear GL550 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 2500 LARAMIE CREW PICKUP/4x GL63 AMG WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x GLA250 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 POWERWAGON CREW PICKUP/4x4 16 GLA-45 AMG STATION WAGON/AWD 16 RAM TRUCK 2500 SLT CREW PICKUP/4x GLK250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 ST CREW PICKUP/4x GLK350 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x ML250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x ML350 WAGON 4 DOOR/AWD RAM TRUCK 3500 SLT CREW PICKUP/4x ML350 BLUETEC WAGON 4 DOOR/AWD 15 RAM TRUCK 3500 ST CREW PICKUP/4x ML400 4 MATIC WAGON 4 DOOR/AWD 16 ML550 4 MATIC WAGON 4 DOOR/AWD 15 SUBARU ML63 AMG WAGON 4 DOOR/AWD IMPREZA WRX SEDAN 4 DOOR/AWD 15 S CLASS S65AMG SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STI STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear WRX SEDAN 4 DOOR/AWD 16 S550 4MATIC SEDAN 4 DOOR/AWD WRX LIMITED SEDAN 4 DOOR/AWD 16 S600 SEDAN 4 DOOR/Rear WRX PREMIUM SEDAN 4 DOOR/AWD 16 S63 AMG SEDAN 4 DOOR/Rear WRX STI SEDAN 4 DOOR/AWD 16 WRX STI LAUNCH EDITION SEDAN 4 DOOR/AWD 16 MITSUBISHI WRX STI LIMITED SEDAN 4 DOOR/AWD 16 ECLIPSE SPYDER GS CONVERTIBLE/Front 12 ECLIPSE SPYDER GT CONVERTIBLE/Front 12 TOYOTA LANCER DE SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 AVALON/LIMITED SEDAN 4 DOOR/Front 12 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 CAMRY SE/XLE SEDAN 4 DOOR/Front 13 LANCER GTS SEDAN 4 DOOR/Front 13 FJ CRUISER WAGON 4 DOOR/4x LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 FJ CRUISER WAGON 4 DOOR/Rear LANCER SE SEDAN 4 DOOR/Front 13 HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD NISSAN HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD Z CONVERTIBLE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/AWD Z COUPE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ALTIMA 2.5 S COUPE/Front 14 HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER XLE WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER/HYBRID WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/4x4 12 HIGHLANDER/SE WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER/SE WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD SCION FR-S COUPE/Rear 16 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear SCION TC HATCHBACK 2 Door/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x SCION XB WAGON 4 DOOR/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x SEQUOIA LIMITED WAGON 4 DOOR/AWD FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 SEQUOIA PLATINUM WAGON 4 DOOR/4x FRONTIER SV/SL CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 FRONTIER SV/SL CREW PICKUP/Rear SEQUOIA SR5 WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front TACOMA PICKUP/4x4 13 PATHFINDER LE WAGON 4 DOOR/AWD 13 TACOMA PICKUP/Rear 13 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 PATHFINDER S/LE/SE WAGON 4 DOOR/Rear TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 TACOMA DOUBLECAB CREW PICKUP/4x PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 TACOMA DOUBLECAB CREW PICKUP/Rear TITAN S/SV/SL/PRO-4X CREW PICKUP/4x TACOMA DOUBLECAB LG BD CREW PICKUP/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 TITAN SV CREW PICKUP/4x TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 TITAN SV CREW PICKUP/Rear 12 TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 TUNDRA CREWMAX 1794 CREW PICKUP/4x4 16 PORSCHE TUNDRA CREWMAX 1794 CREW PICKUP/Rear 16 CAYENNE WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x CAYENNE DIESEL WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/Rear HT-4 Commonwealth Automobile Reinsurers October 1, 2013

320 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL TOYOTA (cont'd) Make/Series/Body Style/Driving Wheels TUNDRA CREWMAX PLATNUM CREW PICKUP/4x TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear TUNDRA CREWMAX SR5 CREW PICKUP/4x TUNDRA CREWMAX SR5 CREW PICKUP/Rear TUNDRA CREWMAX SR5/TRD PR CREW PICKUP/4x4 16 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear VENZA WAGON 4 DOOR/AWD 12 VENZA WAGON 4 DOOR/Front 12 VENZA LE/XLE WAGON 4 DOOR/AWD VENZA LE/XLE WAGON 4 DOOR/Front VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front VOLKSWAGEN TOUAREG HYBRID WAGON 4 DOOR/AWD 15 TOUAREG TDI WAGON 4 DOOR/AWD 16 TOUAREG V6 WAGON 4 DOOR/AWD 16 HT-5 Commonwealth Automobile Reinsurers October 1, 2013

321 2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 06/01/16 i

322 RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-5 Effective 06/01/16 iii

323 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 9. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 10. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 8% 8% 11. Telematics Discount A rated inexperienced operator who elects to participate in Safety s telematics program may be entitled to a 2% credit. Effective 06/01/16 v

324 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: 1. Annual Mileage Discount 2. Multi-Car Discount Effective 06/01/16 7

325 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Public Transit Discount 6. Basic Package Adjustment Factor* 7. Age 65 and Older Discount 8. Renewal Credit Discount 9. Student Discount 10. Telematics Discount 11. Agency Loyalty Discount 12. E-customer Discount 13. Electronic Book Transfer Discount 14. Non-Safety Account Credit Discount Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Annual Mileage Discount Multi-Car Discount Anti-Theft Discount Public Transportation Discount Account Credit Discount (Safety Account Credit Discount only) Basic Package Adjustment Factor* * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All 0.68 All 20 2 All 0.68 All 20 3 All All 20 4 All All All Effective 06/01/16 8

326 All 25 0 All All 25 1 All All 25 2 All All 25 3 All All 25 4 All All All All 30 0 All All 30 1 All All 30 2 All All 30 3 All All 30 4 All All All All All All 40 0 All All 40 1 All All 40 2 All All 40 3 All 0.68 All 40 4 All 0.68 All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All All 45 4 All All All All 50 0 All 0.81 All 50 1 All All 50 2 All All 50 3 All All 50 4 All 0.81 All All All All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All 0.77 All 83 0 All All 83 1 All 0.87 All 83 2 All All 83 3 All All 83 4 All All All b. Rating Plan B: Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount Rounding should occur at the end of this step. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Effective 06/01/16 9

327 RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. Effective 06/01/16 16

328 A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% J. Telematics Discount Effective 06/01/16 18

329 This discount will be given to all eligible operators (with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) who elect to participate in Safety s telematics program. A 2% discount will apply to Parts 1-12 of the rated vehicle(s) that the eligible operator is assigned to. The vehicle must be a private passenger vehicle as defined in Rule 27. Motor homes, motorcycles, camper bodies and antiques are not eligible. K. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. L. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% Effective 06/01/16 19

330 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 06/01/16 23

331 RULE 25. VEHICLE SERIES RATING Vehicle Series Rating (VSR) is a program applied by the Insurance Services Office (ISO) to adjust the Price New Symbols of vehicles to increase or decrease the symbol due to loss experience reflecting crash damage, ease of repair, cost of repair parts, and theft for the particular vehicle, resulting in the Rating Symbol. The Rating Symbol is used to determine a vehicle s premium for Collision, Limited Collision and Comprehensive coverage. Reassignment of symbols shall be effective with 2006 and subsequent model year vehicles and may only be applied on the issuance date of a new policy and on the issuance date of subsequent policy renewals. A policy will not be changed at any time during the policy term solely due to a change in symbol assignment. As used in this rule, policy issuance date means the date on which the declarations page is issued for the new business or renewal policy. For model years 2006 through 2007, the VSR program reviews the symbol assignments for all vehicle series three times: when the model year is introduced and in each of the next two annual VSR review years. The symbol for a particular series may be up-symbolled, down-symbolled, or may remain the same. For model years 2008 and subsequent, the VSR program reviews the symbol assignments for all vehicle series five times: when the model year is introduced and in each of the next four annual VSR review years. The symbol for a particular series may be increased, decreased, or may remain the same. RULE 26. RATING PLAN AND TIER PLACEMENT GUIDELINES A. Overview Policies are assigned to a rating plan and then a tier on a policy level basis. The plan and tier are determined by certain policy characteristics on the issuance date of a new business policy and on the issuance date of subsequent policy renewals. Changes in any of the applicable policy characteristics will not be considered until the next policy issuance date for purposes of determining rating plan and tier. As used in this rule, policy issuance date means the date on which the declarations page is issued for the new business or renewal policy. Each tier has an associated factor that applies to all coverage parts and all vehicle types. As stated in Rule 11, apply the factor from the Tier Factor Table in section 26.C to the base rate. Follow the normal calculation procedures with this new base rate. B. Tier Description Rating plan and tier assignment are determined by the following criteria: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Account Credit is given to a policyholder who purchases coverage from Safety for insurance other than private passenger automobiles, motorcycles, antiques or miscellaneous type rated in this manual. Whether the policy qualifies for the Multi-Car Discount (Rule 19. A); a policyholder who owns two or more automobiles and purchases coverage from Safety for at least two such automobiles The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policyholder qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.); a new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has no lapse in coverage on the new business effective date of coverage with Safety. What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on the policy. Effective 06/01/16 25

332 C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A Effective 06/01/16 26

333 28 A A A B B B B A 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A 1 A 38 A A B A A C B A 39 A A B A A D A 1 A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A 1.1 A 46 A A B A B C B A 47 A A B A B D A 1.1 A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A 1 A 54 A A B B A C B A 55 A A B B A D A 1 A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A 1.1 A 62 A A B B B C B A 63 A A B B B D A 1.1 A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A 1 A 70 A A C A A C B A 71 A A C A A D A 1 A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A 1.1 A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A Effective 06/01/16 27

334 81 A A C B A A A A 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A 1 A 86 A A C B A C B A 87 A A C B A D A 1 A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A 1.1 A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A 1 A 102 A A D A A C B A 103 A A D A A D A 1 A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A 1.1 A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A 1 A 118 A A D B A C B A 119 A A D B A D A 1 A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A 1.1 A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A 1 A Effective 06/01/16 28

335 134 A A E A A C B A 135 A A E A A D A 1 A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A 1.02 A 140 A A E A B B B A 141 A A E A B C A 1.01 A 142 A A E A B C B A 143 A A E A B D A 1.01 A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A 1 A 150 A A E B A C B A 151 A A E B A D A 1 A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A 1.02 A 156 A A E B B B B A 157 A A E B B C A 1.01 A 158 A A E B B C B A 159 A A E B B D A 1.01 A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A 1 A 166 A A F A A C B A 167 A A F A A D A 1 A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A 1.02 A 172 A A F A B B B A 173 A A F A B C A 1.1 A 174 A A F A B C B A 175 A A F A B D A 1.1 A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A 1 A 182 A A F B A C B A 183 A A F B A D A 1 A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A Effective 06/01/16 29

336 187 A A F B B B A 1.02 A 188 A A F B B B B A 189 A A F B B C A 1.1 A 190 A A F B B C B A 191 A A F B B D A 1.1 A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A 1.02 A 238 A B B A B C B A 239 A B B A B D A 1.02 A Effective 06/01/16 30

337 240 A B B A B D B A 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A 1.02 A 254 A B B B B C B A 255 A B B B B D A 1.02 A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A 1 A 262 A B C A A C B A 263 A B C A A D A 1 A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A 1.1 A 268 A B C A B B B A 269 A B C A B C A 1.01 A 270 A B C A B C B A 271 A B C A B D A 1.01 A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A 1 A 278 A B C B A C B A 279 A B C B A D A 1 A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A 1.1 A 284 A B C B B B B A 285 A B C B B C A 1.01 A 286 A B C B B C B A 287 A B C B B D A 1.01 A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A Effective 06/01/16 31

338 293 A B D A A C A 1 A 294 A B D A A C B A 295 A B D A A D A 1 A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A 1.1 A 300 A B D A B B B A 301 A B D A B C A 1.01 A 302 A B D A B C B A 303 A B D A B D A 1.01 A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A 1 A 310 A B D B A C B A 311 A B D B A D A 1 A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A 1.1 A 316 A B D B B B B A 317 A B D B B C A 1.01 A 318 A B D B B C B A 319 A B D B B D A 1.01 A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A 1 A 324 A B E A A B B A 325 A B E A A C A 1 A 326 A B E A A C B A 327 A B E A A D A 1 A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A 1.1 A 332 A B E A B B B A 333 A B E A B C A 1.02 A 334 A B E A B C B A 335 A B E A B D A 1.02 A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A 1 A 340 A B E B A B B A 341 A B E B A C A 1 A 342 A B E B A C B A 343 A B E B A D A 1 A 344 A B E B A D B A 345 A B E B B A A A Effective 06/01/16 32

339 346 A B E B B A B A 347 A B E B B B A 1.1 A 348 A B E B B B B A 349 A B E B B C A 1.02 A 350 A B E B B C B A 351 A B E B B D A 1.02 A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A 1.02 A 364 A B F A B B B A 365 A B F A B C A 1.1 A 366 A B F A B C B A 367 A B F A B D A 1.1 A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A 1.02 A 380 A B F B B B B A 381 A B F B B C A 1.1 A 382 A B F B B C B A 383 A B F B B D A 1.1 A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A 1.02 A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A Effective 06/01/16 33

340 399 B A A A B D A A 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A 1.02 A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A 1.1 A 422 B A B A A C B A 423 B A B A A D A 1.1 A 424 B A B A A D B A 425 B A B A B A A 1.2 A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A 1.2 A 430 B A B A B C B A 431 B A B A B D A 1.2 A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A 1.1 A 438 B A B B A C B A 439 B A B B A D A 1.1 A 440 B A B B A D B A 441 B A B B B A A 1.2 A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A 1.2 A 446 B A B B B C B A 447 B A B B B D A 1.2 A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A Effective 06/01/16 34

341 452 B A C A A B B 1.1 A 453 B A C A A C A 1.1 A 454 B A C A A C B A 455 B A C A A D A 1.1 A 456 B A C A A D B A 457 B A C A B A A 1.05 A 458 B A C A B A B A 459 B A C A B B A 1.1 A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B 1.1 A 469 B A C B A C A 1.1 A 470 B A C B A C B A 471 B A C B A D A 1.1 A 472 B A C B A D B A 473 B A C B B A A 1.05 A 474 B A C B B A B A 475 B A C B B B A 1.1 A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B 1.1 A 485 B A D A A C A 1.1 A 486 B A D A A C B A 487 B A D A A D A 1.1 A 488 B A D A A D B A 489 B A D A B A A 1.05 A 490 B A D A B A B A 491 B A D A B B A 1.1 A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B 1.1 A 501 B A D B A C A 1.1 A 502 B A D B A C B A 503 B A D B A D A 1.1 A 504 B A D B A D B A Effective 06/01/16 35

342 505 B A D B B A A 1.05 A 506 B A D B B A B A 507 B A D B B B A 1.1 A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B 1.02 A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A 1.1 A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B 1.02 A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A 1.1 A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B 1.02 A 551 B A F A A D A A 552 B A F A A D B 1.02 A 553 B A F A B A A A 554 B A F A B A B 1.05 A 555 B A F A B B A A 556 B A F A B B B 1.2 A 557 B A F A B C A A Effective 06/01/16 36

343 558 B A F A B C B 1.1 A 559 B A F A B D A A 560 B A F A B D B 1.1 A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B 1.02 A 567 B A F B A D A A 568 B A F B A D B 1.02 A 569 B A F B B A A A 570 B A F B B A B 1.05 A 571 B A F B B B A A 572 B A F B B B B 1.2 A 573 B A F B B C A A 574 B A F B B C B 1.1 A 575 B A F B B D A A 576 B A F B B D B 1.1 A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A 1 B 602 B B A B B A B 1 B 603 B B A B B B A 1 B 604 B B A B B B B 1 B 605 B B A B B C A 1 B 606 B B A B B C B 1 B 607 B B A B B D A 1 B 608 B B A B B D B 1 B 609 B B B A A A A A 610 B B B A A A B A Effective 06/01/16 37

344 611 B B B A A B A A 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A 1.2 A 622 B B B A B C B A 623 B B B A B D A 1.2 A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A 1 B 634 B B B B B A B 1 B 635 B B B B B B A 1 B 636 B B B B B B B 1 B 637 B B B B B C A 1 B 638 B B B B B C B 1 B 639 B B B B B D A 1 B 640 B B B B B D B 1 B 641 B B C A A A A 1.07 A 642 B B C A A A B 1.3 A 643 B B C A A B A 1.07 A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A 1.1 A 650 B B C A B A B A 651 B B C A B B A 1.1 A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A 1.07 A 658 B B C B A A B 1.3 A 659 B B C B A B A 1.07 A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A Effective 06/01/16 38

345 664 B B C B A D B A 665 B B C B B A A 1 B 666 B B C B B A B 1 B 667 B B C B B B A 1 B 668 B B C B B B B 1 B 669 B B C B B C A 1 B 670 B B C B B C B 1 B 671 B B C B B D A 1 B 672 B B C B B D B 1 B 673 B B D A A A A 1 A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A 1.1 A 678 B B D A A C B A 679 B B D A A D A 1.1 A 680 B B D A A D B A 681 B B D A B A A 1.05 A 682 B B D A B A B A 683 B B D A B B A 1.1 A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A 1 A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A 1.1 A 694 B B D B A C B A 695 B B D B A D A 1.1 A 696 B B D B A D B A 697 B B D B B A A 1.05 A 698 B B D B B A B A 699 B B D B B B A 1.1 A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B 1.1 A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B 1.2 A 715 B B E A B B A 1.1 A 716 B B E A B B B A Effective 06/01/16 39

346 717 B B E A B C A A 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B 1.1 A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B 1.2 A 731 B B E B B B A 1.1 A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B 1.02 A 743 B B F A A D A A 744 B B F A A D B 1.02 A 745 B B F A B A A A 746 B B F A B A B 1.05 A 747 B B F A B B A A 748 B B F A B B B 1.1 A 749 B B F A B C A A 750 B B F A B C B 1.1 A 751 B B F A B D A A 752 B B F A B D B 1.1 A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B 1.02 A 759 B B F B A D A A 760 B B F B A D B 1.02 A 761 B B F B B A A A 762 B B F B B A B 1.05 A 763 B B F B B B A A 764 B B F B B B B 1.1 A 765 B B F B B C A A 766 B B F B B C B 1.1 A 767 B B F B B D A A 768 B B F B B D B 1.1 A Effective 06/01/16 40

347 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 06/01/16 44

348 RULE 55. PRE-INSURANCE INSPECTION PROGRAM Pre-insurance inspections will be waived for all vehicles insured under a policy. This rule will apply uniformly to all insureds. Effective 06/01/16 60

349 RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. For accidents occurring prior to July 1, 2015, an at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. For accidents occurring on or after July 1, 2015, an at-fault accident is defined as minor only if it resulted in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of more than $1,000 and up to $5,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $5,000. Effective 06/01/16 61

350 If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 06/01/16 62

351 Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators Inexperienced Operators (Rate Class 50-57, or 30) (All Other Rate Classes) Parts 1, Parts 1, 2, and 4 Part 5 Part 7 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 06/01/16 63

352 Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 06/01/16 64

353 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory , , , , , , , , , , , , , , , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 2

354 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 3

355 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 4

356 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 5

357 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory ,134 1, , ,186 1,097 1, , ,184 1,095 1, , ,248 1,155 1, ,122 1, ,265 1,170 1, ,139 1,023 1, ,290 1,192 1, ,160 1,042 1, ,379 1,275 1, ,240 1,115 1, ,304 1,207 1, ,174 1,055 1, ,284 1,188 1, ,156 1,038 1, ,307 1,210 1, ,177 1,058 1, ,279 1,184 1, ,151 1,034 1, ,308 1,211 1, ,179 1,059 1, ,512 1,398 1, ,360 1,222 1, ,435 1,327 1,263 1,194 1,105 1,052 1,291 1,160 1,136 1, , ,570 1,453 1,383 1,080 1, ,413 1,270 1, , ,729 1,599 1, ,556 1,397 1, ,287 1,190 1, ,158 1,040 1, ,420 1,314 1, ,278 1,149 1, ,311 1,214 1, ,181 1,061 1, , ,715 1,587 1,511 1, ,544 1,387 1, , ,474 1,363 1,297 1,150 1,064 1,013 1,327 1,190 1, ,110 1, ,688 1,562 1,487 1,288 1,191 1,134 1,519 1,365 1,338 1,103 1,041 1, ,490 1,379 1, ,341 1,206 1, ,342 1,242 1, ,209 1,085 1, ,519 1,406 1, ,368 1,228 1, ,108 1, ,771 1,639 1,560 1,111 1, ,594 1,432 1, , , ,286 1,189 1, ,157 1,039 1, ,283 1,187 1, ,155 1,037 1, ,400 1,295 1, ,260 1,132 1, ,641 1,518 1,445 1, ,478 1,327 1, ,395 1,290 1, ,255 1,127 1, ,562 1,446 1,376 1, ,407 1,263 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 6

358 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 7

359 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 8

360 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 9

361 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 06/01/16 R - 11

362 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 18

363 SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 19

364 Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account credit, age 65 and older, renewal credit, agency loyalty, e-customer, electronic book transfer) Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Anti-Theft Discount Account Credit Discount (Safety Account Credit Discount only) Motorcycle Rider Training Program Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply all applicable discounts as specified above (including the Maximum Combined Discounts cap) 6) Apply Merit Rating adjustment Rounding should occur at the end of step 5. Effective 06/01/16 M-12

365 Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 11% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 06/01/16 RS-1

366 Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Telematics Discount: 2% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 06/01/16 RS-2

367 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Effective 8/1/2015 HIGH THEFT VEHICLE LIST Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2015-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CADILLAC (cont'd) MDX WAGON 4 DOOR/4x4 13 ESCALADE EXT LUXURY SPORT PICKUP/AWD MDX WAGON 4 DOOR/AWD ESCALADE EXT LUXURY UTILITY/AWD 12 MDX ADVANCE WAGON 4 DOOR/4x4 13 ESCALADE EXT PREMIUM SPORT PICKUP/AWD MDX ADVANCE WAGON 4 DOOR/AWD ESCALADE EXT PREMIUM UTILITY/AWD 12 MDX TECH WAGON 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/4x4 14 TL AWD SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/AWD TL AWD ADVANCE SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/Rear TL AWD TECH SEDAN 4 DOOR/AWD ESCALADE LUXURY WAGON 4 DOOR/4x4 16 TLX SEDAN 4 DOOR/Front 16 ESCALADE LUXURY WAGON 4 DOOR/AWD TLX ADVANCE SEDAN 4 DOOR/AWD 16 ESCALADE LUXURY WAGON 4 DOOR/Rear TLX ADVANCE SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/4x4 16 TLX TECH SEDAN 4 DOOR/AWD 16 ESCALADE PLATINUM WAGON 4 DOOR/AWD TLX TECH SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/Rear ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 AUDI ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD A5 QUATTRO PREM PLUS CONVERTIBLE/AWD ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/4x4 16 A5 QUATTRO PREMIUM CONVERTIBLE/AWD ESCALADE PREMIUM WAGON 4 DOOR/AWD A5 QUATTRO PREMIUM COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD XTS SEDAN 4 DOOR/Front 16 A5 QUATTRO PRESTIGE COUPE/AWD XTS DELIVERY SEDAN 4 DOOR/Front 16 A7 PREMIUM PLUS QUATT HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/AWD 16 A7 PREMIUM QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/Front 16 A7 PRESTIGE QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS PLATINUM SEDAN 4 DOOR/AWD 16 Q7 PREMIUM WAGON 4 DOOR/AWD XTS PLATINUM SEDAN 4 DOOR/Front 16 Q7 PREMIUM PLUS WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/AWD 16 Q7 PRESTIGE WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/Front 16 Q7 TDI PREMIUM WAGON 4 DOOR/AWD 16 XTS VSPORT PLATINUM SEDAN 4 DOOR/AWD 16 Q7 TDI PREMIUM PLUS WAGON 4 DOOR/AWD 16 XTS VSPORT PREMIUM SEDAN 4 DOOR/AWD 16 Q7 TDI PRESTIGE WAGON 4 DOOR/AWD 16 CHEVROLET BMW AVALANCHE C1500 LT SPORT PICKUP/Rear I CONVERTIBLE/Rear 14 AVALANCHE C1500 LT UTILITY/Rear I COUPE/Rear 14 AVALANCHE K1500 LT SPORT PICKUP/4x I SULEV CONVERTIBLE/Rear 14 AVALANCHE K1500 LT UTILITY/4x I SULEV COUPE/Rear 14 AVALANCHE LS UTILITY/4x XI COUPE/AWD 14 AVALANCHE LS UTILITY/Rear XI SULEV COUPE/AWD 14 AVALANCHE LTZ UTILITY/4x I CONVERTIBLE/Rear 14 AVALANCHE LTZ UTILITY/Rear I COUPE/Rear 14 C1500 SILVERADO CREW PICKUP/Rear 335I SULEV CONVERTIBLE/Rear 14 C1500 SUBURBAN WAGON 4 DOOR/Rear I SULEV COUPE/Rear 14 C1500 SUBURBAN LS WAGON 4 DOOR/Rear XI COUPE/AWD 14 C1500 SUBURBAN LT WAGON 4 DOOR/Rear XI SEDAN 4 DOOR/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear D XDRIVE SEDAN 4 DOOR/AWD CAMARO LS COUPE/Rear XI SEDAN 4 DOOR/AWD CAMARO LT CONVERTIBLE/Rear XI GT HATCHBACK 4 DOOR/AWD CAMARO LT COUPE/Rear I XI GT HATCHBACK 4 DOOR/AWD CAMARO SS CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CAMARO SS COUPE/Rear X5 M WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CAMARO ZL1 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE CONVERTIBLE/Rear CORVETTE COUPE/Rear BUICK CORVETTE 1LT CONVERTIBLE/Rear LACROSSE SEDAN 4 DOOR/Front CORVETTE 1LT COUPE/Rear LACROSSE AWD SEDAN 4 DOOR/Front CORVETTE 1LT Z5I CONVERTIBLE/Rear LACROSSE PREMIUM SEDAN 4 DOOR/Front CORVETTE 1LT Z5I COUPE/Rear LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD CORVETTE 1LZ Z06 COUPE/Rear 16 LACROSSE TOURING SEDAN 4 DOOR/Front 15 CORVETTE 2LT CONVERTIBLE/Rear LACROSSE W/EASSIST SEDAN 4 DOOR/Front CORVETTE 2LT COUPE/Rear CORVETTE 2LT Z5I CONVERTIBLE/Rear CADILLAC CORVETTE 2LT Z5I COUPE/Rear CTS-V COUPE/Rear 16 CORVETTE 2LZ Z06 CONVERTIBLE/Rear 16 DTS SEDAN 4 DOOR/Front 12 CORVETTE 2LZ Z06 COUPE/Rear 16 DTS LUXURY COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT CONVERTIBLE/Rear DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT COUPE/Rear DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT Z5I CONVERTIBLE/Rear ESCALADE WAGON 4 DOOR/4x4 16 CORVETTE 3LT Z5I COUPE/Rear ESCALADE WAGON 4 DOOR/AWD CORVETTE 3LZ Z06 CONVERTIBLE/Rear 16 ESCALADE WAGON 4 DOOR/Rear CORVETTE 3LZ Z06 COUPE/Rear 16 ESCALADE ESV WAGON 4 DOOR/4x4 16 CORVETTE 427 CONVERTIBLE/Rear 14 ESCALADE ESV WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear ESCALADE ESV WAGON 4 DOOR/Rear CORVETTE GRAND SPORT COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/4x4 16 CORVETTE Z06 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear IMPALA LT SEDAN 4 DOOR/Front 16 ESCALADE ESV PLATINUM WAGON 4 DOOR/4x4 16 IMPALA LTZ SEDAN 4 DOOR/Front ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD K1500 SUBURBAN WAGON 4 DOOR/4x ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear K1500 SUBURBAN LS WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/4x4 16 K1500 SUBURBAN LT WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD K1500 SUBURBAN LTZ WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear K2500 SUBURBAN WAGON 4 DOOR/4x4 14 ESCALADE EXT SPORT PICKUP/AWD K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 ESCALADE EXT UTILITY/AWD 12 K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 HT-1 Commonwealth Automobile Reinsurers October 1, 2013

368 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) DODGE (cont'd) SILVERADO C DOOR EXT CAB PK/Rear RAM 1500 CREW PICKUP/4x4 12 SILVERADO C1500 CREW PICKUP/Rear RAM 1500 CREW PICKUP/Rear 12 SILVERADO C1500 PICKUP/Rear RAM 1500 PICKUP/4x4 12 SILVERADO C1500 HIGH COUN CREW PICKUP/Rear RAM 1500 PICKUP/Rear 12 SILVERADO C1500 HYBRID CREW PICKUP/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear RAM 1500 QUAD CREW PICKUP/Rear 12 SILVERADO C1500 LS CREW PICKUP/Rear RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/4x4 13 SILVERADO C1500 LT CREW PICKUP/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SILVERADO C1500 LT PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear RAM 1500 ST CREW PICKUP/4x4 13 SILVERADO C1500 LTZ CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SILVERADO K1500 CREW PICKUP/4x RAM 2500 CREW PICKUP/4x4 12 SILVERADO K1500 PICKUP/4x RAM 2500 CREW PICKUP/Rear 12 SILVERADO K1500 HIGH COUN CREW PICKUP/4x RAM 2500 PICKUP/4x4 12 SILVERADO K1500 HYBRID CREW PICKUP/4x RAM 2500 PICKUP/Rear 12 SILVERADO K1500 LS CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K1500 LT CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K1500 LT PICKUP/4x RAM 3500 CREW PICKUP/4x4 12 SILVERADO K1500 LTZ CREW PICKUP/4x RAM 3500 CREW PICKUP/Rear 12 SILVERADO K2500 HIGH COUN CREW PICKUP/4x4 16 RAM 3500 PICKUP/4x4 12 SILVERADO K2500HD CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SILVERADO K2500HD LT CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K2500HD LT PICKUP/4x4 13 RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K2500HD LTZ CREW PICKUP/4x SILVERADO K3500 CREW PICKUP/4x FORD SILVERADO K3500 HIGH COUN CREW PICKUP/4x4 16 EXPEDITION EL LIMITED WAGON 4 DOOR/4x SILVERADO K3500 LT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SILVERADO K3500 LTZ CREW PICKUP/4x EXPEDITION EL PLATINUM WAGON 4 DOOR/4x4 16 TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL PLATINUM WAGON 4 DOOR/Rear 16 TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/4x TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/Rear TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/4x TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/4x4 16 TAHOE LT WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/Rear 16 TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XL WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE POLICE WAGON 4 DOOR/4x4 16 EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/4x CHRYSLER EXPLORER LIMITED WAGON 4 DOOR/Front SEDAN 4 DOOR/AWD 15 EXPLORER SPORT WAGON 4 DOOR/4x SEDAN 4 DOOR/Rear EXPLORER XLT WAGON 4 DOOR/4x LIMITED SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/4x LIMITED AWD SEDAN 4 DOOR/AWD 16 F150 4 DOOR EXT CAB PK/Rear S SEDAN 4 DOOR/AWD F150 CREW PICKUP/4x S SEDAN 4 DOOR/Rear F150 CREW PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 PICKUP/4x C SEDAN 4 DOOR/Rear F150 PICKUP/Rear C AWD SEDAN 4 DOOR/AWD F150 SUPER CAB 4 DOOR EXT CAB PK/4x C PLATINUM SEDAN 4 DOOR/Rear 16 F150 SUPER CAB 4 DOOR EXT CAB PK/Rear C PLATINUM AWD SEDAN 4 DOOR/AWD 16 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x C SRT-8 SEDAN 4 DOOR/Rear F150 SVT RAPTOR CREW PICKUP/4x C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 F250 SUPER DUTY CREW PICKUP/4x DODGE F250 SUPER DUTY CREW PICKUP/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/4x4 12 AVENGER SXT SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 CHALLENGER SCAT PACK COUPE/Rear 16 F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 CHALLENGER SRT 392 COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/4x CHALLENGER SRT HELLCAT COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT8 CORE COUPE/Rear 15 F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SXT COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/AWD CHALLENGER SXT PLUS COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/AWD FUSION S SEDAN 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION S HYBRID SEDAN 4 DOOR/Front 16 CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE AWD SEDAN 4 DOOR/AWD 16 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE HYBRID SEDAN 4 DOOR/Front CHARGER SRT HELLCAT SEDAN 4 DOOR/Rear 16 FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION TITANIUM SEDAN 4 DOOR/Front CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION TITANIUM AWD SEDAN 4 DOOR/AWD CHARGER SXT SEDAN 4 DOOR/Rear FUSION TITANIUM HYBRID SEDAN 4 DOOR/Front CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION TITANIUM PHEV SEDAN 4 DOOR/Front CHARGER V6 SEDAN 4 DOOR/AWD 14 MUSTANG CONVERTIBLE/Rear DURANGO CITADEL WAGON 4 DOOR/AWD 16 MUSTANG COUPE/Rear DURANGO CITADEL WAGON 4 DOOR/Rear MUSTANG BOSS 302 COUPE/Rear 14 DURANGO CREW WAGON 4 DOOR/Rear 15 MUSTANG GT CONVERTIBLE/Rear DURANGO LIMITED WAGON 4 DOOR/AWD 16 MUSTANG GT COUPE/Rear DURANGO LIMITED WAGON 4 DOOR/Rear 16 MUSTANG SHELBY GT500 CONVERTIBLE/Rear DURANGO R/T WAGON 4 DOOR/AWD 16 MUSTANG SHELBY GT500 COUPE/Rear DURANGO R/T WAGON 4 DOOR/Rear NITRO DETONATOR WAGON 4 DOOR/4x4 12 GMC NITRO SHOCK WAGON 4 DOOR/4x4 12 SIERRA C DOOR EXT CAB PK/Rear SIERRA C1500 CREW PICKUP/Rear HT-2 Commonwealth Automobile Reinsurers October 1, 2013

369 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) INFINITI (cont'd) SIERRA C1500 PICKUP/Rear 12 SIERRA C1500 DENALI CREW PICKUP/Rear G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 SIERRA C1500 HYBRID CREW PICKUP/Rear QX50 STATION WAGON/AWD 16 SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear QX60 WAGON 4 DOOR/AWD 16 SIERRA C1500 SL CREW PICKUP/Rear QX60 HYBRID WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear QX70 WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE CREW PICKUP/Rear QX80 WAGON 4 DOOR/4x4 16 SIERRA C1500 SLE PICKUP/Rear SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear JAGUAR SIERRA C1500 SLT CREW PICKUP/Rear XF SEDAN 4 DOOR/Rear SIERRA K DOOR EXT CAB PK/4x XF PORTFOLIO SEDAN 4 DOOR/Rear 13 SIERRA K1500 CREW PICKUP/4x XF PREMIUM SEDAN 4 DOOR/Rear 12 SIERRA K1500 PICKUP/4x4 12 XF R SEDAN 4 DOOR/Rear SIERRA K1500 DENALI CREW PICKUP/4x XF RS SEDAN 4 DOOR/Rear SIERRA K1500 HYBRID CREW PICKUP/4x XF SUPERCHARGED SEDAN 4 DOOR/Rear SIERRA K1500 SL CREW PICKUP/4x SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x JEEP SIERRA K1500 SLE CREW PICKUP/4x GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x SIERRA K1500 SLE PICKUP/4x4 12 GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x SIERRA K1500 SLT CREW PICKUP/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x SIERRA K2500 SLE CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear SIERRA K2500 SLT CREW PICKUP/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD WRANGLER RUBICON WAGON 2 DOOR/4x4 16 YUKON DENALI HYBRID WAGON 4 DOOR/Rear WRANGLER SAHARA WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/4x4 16 WRANGLER SPORT WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/AWD WRANGLER UNLIMITED SAHARA WAGON 4 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/Rear WRANGLER UNLIMITED SPORT WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/4x WRANGLER UNLIMTED RUBICON WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD 12 YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD 12 YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD 12 YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front ACCORD HYBRID EXL SEDAN 4 DOOR/Front LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front GS 350 SEDAN 4 DOOR/Rear 12 ACCORD LX COUPE/Front 13 GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 16 CROSSTOUR EX WAGON 4 DOOR/Front RX 450H WAGON 4 DOOR/AWD 16 CROSSTOUR EX-L WAGON 4 DOOR/AWD CROSSTOUR EX-L WAGON 4 DOOR/Front LINCOLN FIT HATCHBACK 4 Door/Front 13 MKS SEDAN 4 DOOR/Front FIT SPORT HATCHBACK 4 Door/Front 13 MKS AWD SEDAN 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX AWD WAGON 4 DOOR/AWD PILOT EXLN WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front RIDGELINE RT PICKUP/4x MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RTL PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x4 12 RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR WAGON 4 DOOR/Rear 12 NAVIGATOR L WAGON 4 DOOR/4x4 12 HYUNDAI NAVIGATOR L WAGON 4 DOOR/Rear 12 GENESIS COUPE 2.0T COUPE/Rear 15 GENESIS COUPE 3.8L COUPE/Rear MERCEDES-BENZ C250 COUPE/Rear INFINITI C350 COUPE/Rear FX35 WAGON 4 DOOR/AWD 13 C350 4MATIC COUPE/AWD G37 AWD COUPE/AWD 12 C63 AMG COUPE/Rear G37 AWD SEDAN 4 DOOR/AWD 14 CL550 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear 12 CL63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear 12 CL65 AMG COUPE/Rear 15 HT-3 Commonwealth Automobile Reinsurers October 1, 2013

370 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) PORSCHE (cont'd) CLS 400 4MATIC SEDAN 4 DOOR/Rear 16 CAYENNEGTS WAGON 4 DOOR/AWD 15 CLS CLASS 400 SEDAN 4 DOOR/AWD 16 CAYENNE S WAGON 4 DOOR/AWD CLS550 COUPE 4 DOOR/Rear 12 CAYENNE S HYBRID WAGON 4 DOOR/AWD CLS550 SEDAN 4 DOOR/Rear 16 CAYENNE TURBO WAGON 4 DOOR/AWD CLS550 4MATIC SEDAN 4 DOOR/AWD 16 PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD CLS63 AMG COUPE 4 DOOR/Rear 12 PANAMERA GTS SEDAN 4 DOOR/AWD E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD PANAMERA S HYBRID SEDAN 4 DOOR/Rear E350 CONVERTIBLE/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear E350 COUPE/Rear 15 PANAMERA TURBO SEDAN 4 DOOR/AWD E3504M AWD COUPE/AWD 15 PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD E3504M AWD SEDAN 4 DOOR/AWD PANAMERA/4 SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD E400 CONVERTIBLE/Rear 16 RAM E400 COUPE/Rear 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x E400 4MATIC COUPE/AWD 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear E400 4MATIC SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 LONGHORN CREW PICKUP/4x E550 CONVERTIBLE/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear E550 COUPE/Rear RAM TRUCK 1500 SLT CREW PICKUP/4x E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 RAM TRUCK 1500 SLT CREW PICKUP/Rear E63 AMG SEDAN 4 DOOR/AWD RAM TRUCK 1500 SLT PICKUP/4x4 14 E63 AMG STATION WAGON/AWD 15 RAM TRUCK 1500 SPORT CREW PICKUP/4x E63 AMG-S SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 SPORT CREW PICKUP/Rear E63 AMG-S STATION WAGON/AWD 16 RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 GL350 BLUETEC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/4x GL450 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/Rear GL550 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 2500 LARAMIE CREW PICKUP/4x GL63 AMG WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x GLA250 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 POWERWAGON CREW PICKUP/4x4 16 GLA-45 AMG STATION WAGON/AWD 16 RAM TRUCK 2500 SLT CREW PICKUP/4x GLK250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 ST CREW PICKUP/4x GLK350 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x ML250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x ML350 WAGON 4 DOOR/AWD RAM TRUCK 3500 SLT CREW PICKUP/4x ML350 BLUETEC WAGON 4 DOOR/AWD 15 RAM TRUCK 3500 ST CREW PICKUP/4x ML400 4 MATIC WAGON 4 DOOR/AWD 16 ML550 4 MATIC WAGON 4 DOOR/AWD 15 SUBARU ML63 AMG WAGON 4 DOOR/AWD IMPREZA WRX SEDAN 4 DOOR/AWD 15 S CLASS S65AMG SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STI STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear WRX SEDAN 4 DOOR/AWD 16 S550 4MATIC SEDAN 4 DOOR/AWD WRX LIMITED SEDAN 4 DOOR/AWD 16 S600 SEDAN 4 DOOR/Rear WRX PREMIUM SEDAN 4 DOOR/AWD 16 S63 AMG SEDAN 4 DOOR/Rear WRX STI SEDAN 4 DOOR/AWD 16 WRX STI LAUNCH EDITION SEDAN 4 DOOR/AWD 16 MITSUBISHI WRX STI LIMITED SEDAN 4 DOOR/AWD 16 ECLIPSE SPYDER GS CONVERTIBLE/Front 12 ECLIPSE SPYDER GT CONVERTIBLE/Front 12 TOYOTA LANCER DE SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 AVALON/LIMITED SEDAN 4 DOOR/Front 12 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 CAMRY SE/XLE SEDAN 4 DOOR/Front 13 LANCER GTS SEDAN 4 DOOR/Front 13 FJ CRUISER WAGON 4 DOOR/4x LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 FJ CRUISER WAGON 4 DOOR/Rear LANCER SE SEDAN 4 DOOR/Front 13 HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD NISSAN HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD Z CONVERTIBLE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/AWD Z COUPE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ALTIMA 2.5 S COUPE/Front 14 HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER XLE WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER/HYBRID WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/4x4 12 HIGHLANDER/SE WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER/SE WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD SCION FR-S COUPE/Rear 16 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear SCION TC HATCHBACK 2 Door/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x SCION XB WAGON 4 DOOR/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x SEQUOIA LIMITED WAGON 4 DOOR/AWD FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 SEQUOIA PLATINUM WAGON 4 DOOR/4x FRONTIER SV/SL CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 FRONTIER SV/SL CREW PICKUP/Rear SEQUOIA SR5 WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front TACOMA PICKUP/4x4 13 PATHFINDER LE WAGON 4 DOOR/AWD 13 TACOMA PICKUP/Rear 13 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 PATHFINDER S/LE/SE WAGON 4 DOOR/Rear TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 TACOMA DOUBLECAB CREW PICKUP/4x PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 TACOMA DOUBLECAB CREW PICKUP/Rear TITAN S/SV/SL/PRO-4X CREW PICKUP/4x TACOMA DOUBLECAB LG BD CREW PICKUP/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 TITAN SV CREW PICKUP/4x TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 TITAN SV CREW PICKUP/Rear 12 TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 TUNDRA CREWMAX 1794 CREW PICKUP/4x4 16 PORSCHE TUNDRA CREWMAX 1794 CREW PICKUP/Rear 16 CAYENNE WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x CAYENNE DIESEL WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/Rear HT-4 Commonwealth Automobile Reinsurers October 1, 2013

371 MASSACHUSETTS PRIVATE PASSENGER RESIDUAL MARKET AUTOMOBILE INSURANCE MANUAL TOYOTA (cont'd) Make/Series/Body Style/Driving Wheels TUNDRA CREWMAX PLATNUM CREW PICKUP/4x TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear TUNDRA CREWMAX SR5 CREW PICKUP/4x TUNDRA CREWMAX SR5 CREW PICKUP/Rear TUNDRA CREWMAX SR5/TRD PR CREW PICKUP/4x4 16 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear VENZA WAGON 4 DOOR/AWD 12 VENZA WAGON 4 DOOR/Front 12 VENZA LE/XLE WAGON 4 DOOR/AWD VENZA LE/XLE WAGON 4 DOOR/Front VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front VOLKSWAGEN TOUAREG HYBRID WAGON 4 DOOR/AWD 15 TOUAREG TDI WAGON 4 DOOR/AWD 16 TOUAREG V6 WAGON 4 DOOR/AWD 16 HT-5 Commonwealth Automobile Reinsurers October 1, 2013

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374 Text Comparison Documents Compared changed pages 2015.pdf MA PPA Changed Pages pdf Summary 8966 word(s) added 8911 word(s) deleted word(s) matched

375 changed pages 2015.pdf 2015 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 06/01/15 i

376 MA PPA Changed Pages pdf 2016 MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL Printed and Distributed by SAFETY INSURANCE GROUP 20 CUSTOM HOUSE ST. BOSTON, MA Effective 06/01/16 i

377 changed pages 2015.pdf RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-4 Effective 06/01/15 iii

378 MA PPA Changed Pages pdf RULE 53. RESERVED FOR FUTURE USE SECTION V - SUPPLEMENTAL INFORMATION RULE 54. ANTI-THEFT DEVICE STANDARDS AND DISCOUNTS RULE 55. PRE-INSURANCE INSPECTION PROGRAM RULE 56. MERIT RATING RULE 57. RESERVED FOR FUTURE USE RULE 58. REGISTRY OF MOTOR VEHICLES PROCEDURES RULE 59. SAFETY SHIELD RULE 60. AUTO LOAN/LEASE GAP COVERAGE RULE 61. SAFETY SHIELD PLUS ADDITIONAL ITEMS PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX PRIVATE PASSENGER FORMS NON-COMPULSORY AUTO POLICY FORMS RATING TERRITORIES SECTION TERRITORY DEFINITIONS RATE SECTION MEMORANDUM... R-1 RATING PLAN A RATE TABLES... R-2 R-11 RATING PLAN B RATE TABLES... R-12 R-21 STATED AMOUNT RATING... M-1 MOTORCYCLE RATES Rating Plan A...M-2 M-6 Rating Plan B...M-7 M-11 MISCELLANEOUS MOTORCYCLE RATES... M-12 APPROVED MOTORCYCLE TRAINING SITES... M-14 MISCELLANEOUS RATING FACTORS...RS-1 - RS-3 MISCELLANEOUS MOTOR VEHICLES... RS-4 QUALIFYING PUBLIC TRANSIT SYSTEMS... RS-5 SYMBOL AND IDENTIFICATION SECTION......S-1 HIGH-THEFT VEHICLE SECTION.... HT-1 HT-5 Effective 06/01/16 iii

379 changed pages 2015.pdf 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Hybrid Automobile Discount Hybrid vehicles may be entitled to a 5% credit. 9. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 10. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 11. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 10% 10% Effective 06/01/15 v

380 MA PPA Changed Pages pdf 6. Electronic Book Transfer Discount A policyholder, who (1) elects to transfer their policy 30 days before the effective date from a non-safety company, (2) qualifies for the New Business Discount for Agency Loyalty, and (3) is part of a qualified book transfer meeting the underwriting rules established by the company, may qualify for the following discount. For polices written as new business prior to 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 7% 3rd 3% 2nd 5% 4th 1% For policies written as new business on or after 01/01/14, the discounts are: Insured Year Discount Insured Year Discount 1st 11% 4th 5% 2nd 9% 5th 2% 3rd 7% Discounts will apply to Parts Student Discounts (a) A good student who is ranked among the top 20% of their class scholastically and a merit rating score of 4 points or less may be entitled for a 10% credit. (b) A good student that resides at an educational institution 100 miles or more and does not have regular use of a vehicle may be entitled for a 10% credit. 8. Multi-Car Discount A policyholder who insures 2 or more vehicles with Safety may qualify for a 10% credit on their auto. 9. Annual Mileage Discount Safety has 2 categories: Mileage Credit 0-5,000 10% 5,001-7,500 5% 10. Merit Rating Plan More generous Excellent Driver Discounts (Merit Rating score of 99 or 98) for Parts 1,2,4,7. Merit Rating Plan Excellent Driver Plus (6 years Incident Free) Excellent Driver (5 years Incident Free) Experienced Operators Credit Inexperienced Operators Credit 24% N/A 8% 8% 11. Telematics Discount A rated inexperienced operator who elects to participate in Safety s telematics program may be entitled to a 2% credit. Effective 06/01/16 v

381 changed pages 2015.pdf 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: 1. Annual Mileage Discount Effective 06/01/15 7

382 MA PPA Changed Pages pdf 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. 2. The otherwise applicable premium will be increased by 25% if the certificate is required for a conviction listed below. This increase is to be applied for the period of time a certificate is required, but in no event for a period in excess of three years following conviction. Thereafter, the otherwise applicable premium will be increased by 7%. a. Driving a motor vehicle at an excess rate of speed where an injury to a person or damage to property actually results therefrom. b. Driving a motor vehicle in a reckless manner where an injury to person or damage to property actually results therefrom. 3. The otherwise applicable premium will be increased by 5% if the certificate is required for any other cause whatsoever. 4. It is the responsibility of the insured to advise Safety when a financial responsibility certificate of insurance filing is no longer required. RULE 11. PREMIUM CALCULATION RULE The premium calculation rule depends on the rating plan (A or B) and tier the policy is in. Refer to Rule 26 for rating plan and tier placement guidelines. A. Determine the base manual premium: For Parts 1 through 9 and Part 12: 1. To determine the base manual premium, start from the base rate tables for the appropriate rating plan (A or B) specified in Rule 26. Parts 1, 2, 4, 5, 7, 8 and 9 are based on class and territory. Parts 3, 6 and 12 are based on limit. 2. Apply the appropriate tier factor specified in Rule 26. This is the tier s base rate. 3. Apply adjustments in the following order: a. Increased limit factors (Parts 4 and 5) b. Model year and symbol factors (Parts 7, 8 and 9) Note: For model years 2012 and subsequent, there are separate symbols for Collision (Parts 7 and 8) and Comprehensive (Part 9) c. Deductible Factors (Parts 2, 7, 8 and 9) d. Waiver of Deductible (Part 7) e. Glass Deductible (Part 9) For Parts 10 and 11, the base manual premium is found in the Miscellaneous Rates section. B. After determining the base manual premium: 1. Apply the appropriate rating factor under Rule 24 to the base manual premium for Parts 7 and 9, if applicable. 2. Apply the appropriate discounts and adjustment factor to the premium developed in paragraph B.1 above, depending on the rating plan of the policy. Refer to Rule 19 for a definition of the available discounts. a. Rating Plan A: Parts 1 through 9 and Part 12 may be subject to more than one discount or adjustment factor. In such case, the order of discounts or adjustment factors shall be: 1. Annual Mileage Discount 2. Multi-Car Discount Effective 06/01/16 7

383 changed pages 2015.pdf 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Renewal Credit Discount 6. Student Discount 7. Hybrid Automobile Discount 8. Public Transit Discount 9. Agency Loyalty Discount 10. E-customer Discount 11. Electronic Book Transfer Discount 12. Basic Package Adjustment Factor* 13. Age 65 and Older Discount The discount or adjustment factor shall be rounded to the nearest dollar after each application. * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All All 20 2 All All 20 3 All All 20 4 All All All All 25 0 All All 25 1 All All 25 2 All 0.85 All 25 3 All 0.85 All 25 4 All Effective 06/01/15 8

384 MA PPA Changed Pages pdf 3. Anti-Theft Device Discount 4. Safety Account Credit Discount 5. Public Transit Discount 6. Basic Package Adjustment Factor* 7. Age 65 and Older Discount 8. Renewal Credit Discount 9. Student Discount 10. Telematics Discount 11. Agency Loyalty Discount 12. E-customer Discount 13. Electronic Book Transfer Discount 14. Non-Safety Account Credit Discount Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Annual Mileage Discount Multi-Car Discount Anti-Theft Discount Public Transportation Discount Account Credit Discount (Safety Account Credit Discount only) Basic Package Adjustment Factor* * Basic Package Adjustment Factor A policy in Rating Plan A will receive the Basic Package Adjustment Factor only if the policy meets the following criteria: $20,000/40,000 Bodily Injury (including guest and out-of-state); $8,000 Personal Injury Protection, no deductible; $5,000 Property Damage Liability; $20,000/40,000 Uninsured Motorist coverage; Does not have Underinsured Motorist coverage, or purchases $20,000/40,000 Underinsured Motorist coverage; and Rated Operator has been: (1) continuously insured with no lapse in coverage; and (2) has accrued no more than 4 merit rating points. The policy must meet all of the above criteria to receive the Basic Package Adjustment Factor. If the policy has increased limits on any of the coverages listed above, or if the policy includes any coverages additional to those listed above, the Basic Package Adjustment Factor is not applicable. Apply the Basic Package Adjustment Factor as follows: Select the Basic Package Adjustment Factor in the table below based on the vehicle s Garaging Town, Class, Merit Rating and Tier. If a value cannot be found in the table below, set the Basic Package Adjustment Factor to Garaging Town Basic Package Adjustment Factor Class Merit Rating Tier All 20 0 All All 20 1 All 0.68 All 20 2 All 0.68 All 20 3 All All 20 4 All All All Effective 06/01/16 8

385 changed pages 2015.pdf All All All 30 0 All All 30 1 All All 30 4 All All All All 40 0 All 0.82 All 40 1 All All 40 2 All All 40 3 All All 40 4 All All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All 0.85 All 45 4 All All All All 50 0 All All 50 1 All All 50 2 All All 50 4 All All All All 60 0 All 0.93 All 60 1 All All 60 2 All All 60 4 All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All All 83 0 All 0.99 All 83 1 All All 83 2 All All 83 3 All All 83 4 All b. Rating Plan B: Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount The discount shall be rounded to the nearest dollar after each application. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Rounding should occur after the application of each step of the premium calculation. Effective 06/01/15 9

386 MA PPA Changed Pages pdf All 25 0 All All 25 1 All All 25 2 All All 25 3 All All 25 4 All All All All 30 0 All All 30 1 All All 30 2 All All 30 3 All All 30 4 All All All All All All 40 0 All All 40 1 All All 40 2 All All 40 3 All 0.68 All 40 4 All 0.68 All All All 45 0 All All 45 1 All All 45 2 All All 45 3 All All 45 4 All All All All 50 0 All 0.81 All 50 1 All All 50 2 All All 50 3 All All 50 4 All 0.81 All All All All All All All 73 0 All All 73 1 All All 73 2 All All 73 3 All All 73 4 All All All 0.77 All 83 0 All All 83 1 All 0.87 All 83 2 All All 83 3 All All 83 4 All All All b. Rating Plan B: Parts 1 through 9 and Part 12 may be subject to more than one discount. In such case, the order of discounts shall be: 1. Annual Mileage Discount 2. Multi-Car Discount 3. Anti-Theft Device Discount 4. Low Frequency Discount 5. Age 65 and Older Discount Rounding should occur at the end of this step. 3. Apply the appropriate merit rating adjustment to the premium developed in paragraph B.2 above. Effective 06/01/16 9

387 changed pages 2015.pdf RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment. Effective 06/01/15 16

388 MA PPA Changed Pages pdf RULE 19. DISCOUNTS A. Multi-Car A policyholder with two or more automobiles (that are owned by the policyholder or a household member as defined by the AIB Massachusetts Automobile Insurance Policy 2008 Edition) who purchases coverage from Safety for at least two such automobiles, shall be entitled to a 10% discount on premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9 if the policy is in Rating Plan A. They shall be entitled to a 5% discount if the policy is in Rating Plan B. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27. B. Public Transit A discount will be given to eligible vehicles when one or more operators use a qualifying mass transit system during the automobile policy period. Refer to the Miscellaneous Rating Factors page for the applicable discount. 1. Eligibility The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use Class 50-57, 60-67, 73-75, 83-85, 20-22, 25-27, 40-42, for Rating Plan A. In addition, the vehicle must not be driven to work or school ten days or more per month, and must not be driven more than 15,000 miles per year. A minimum of eight of the eleven monthly passes or tickets within the previous twelve months may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. Safety may accept a signed Public Transit form as acceptable evidence. Safety may collect all such passes, signed forms and other evidence used by a policyholder to obtain the discount. 2. Replaced Vehicles The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount. 3. Qualifying Massachusetts Transit Systems Refer to the Rate Section for a list of approved public transit systems. 4. Application of Discount A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. Safety will allow the insured to apply the discount to the current policy term provided the insured meets the requirements detailed in 19.B.1. and 19.B.3. C. Anti-Theft Device Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Age 65 and Older Discount Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the premium for the aforementioned classes must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify Safety of any change in operator usage which would affect entitlement to the discount. Effective 06/01/16 16

389 changed pages 2015.pdf A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% J. Hybrid Automobile Discount Effective 06/01/15 18

390 MA PPA Changed Pages pdf A policyholder who maintains continuous coverage and renews with Safety, shall be entitled to a renewal credit discount on premium applicable to Coverage Parts Upon completion of each year of coverage, a renewal credit discount will apply based on the number of consecutive years insured with Safety as follows: I. Student Discounts Number of Years of Consecutive Coverage Credit 1 year 1% 2 years 1% 3 years 1% 4-5 years 2% 6-10 years 3% 11 or more years 4% These discounts will be given to eligible operators with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A. The rated inexperienced operator must be a full time high school or post secondary student and must also have 4 or less merit rating points. These discounts apply to Parts 1-12 of the rated vehicle(s) that the student is assigned to. Good Student Discount The qualifications for a Good Student Discount are listed below: 1. Safety is furnished a statement certified by a school official indicating that the rated inexperienced operator has met one of the following requirements for the immediately preceding school term: a. ranked among the upper 20% of the class scholastically, or b. in schools using letter grades, had a grade average of B or its equivalent or, if the system of letter grading cannot be averaged, no grade shall be below B, or c. in schools using numerical grade points, such as 4, 3, 2 and 1 points, had an average of at least 3 points for all subjects combined, or d. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. e. In the case of home schooling, 2 options are given: i. A standardized form certified by an approved 3 rd party organization showing evidence that one of the qualifications listed above is satisfied or; ii. Evidence of scoring in the upper 20% on an annual national standardized exam. 2. The certified statement must be submitted: a. when the good student discount is initially requested, and; b. at renewal and thereafter at Safety s discretion. Exception: Any driver who qualifies when licensed more than 3 years, or who graduates from a college, university or accredited vocational technical school when licensed more than 3 years and qualifies as a good student, will continue to receive the Good Student Discount without further proof for as long as they remain an inexperienced class (classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) operator. Away at School Discount A full-time student that resides at an accredited educational institution at least 100 miles away and does not have regular access to a vehicle will receive a 10% discount. Student Discount Summary Good Student At Home Away at School No 0% -10% Yes -10% -20% J. Telematics Discount Effective 06/01/16 18

391 changed pages 2015.pdf A 5% discount for Parts 1-12 will apply to all Hybrid vehicles. A Hybrid vehicle is a vehicle that uses two or more distinct power sources to propel the vehicle. K. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. L. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% Effective 06/01/15 19

392 MA PPA Changed Pages pdf This discount will be given to all eligible operators (with less than 6 years driving experience in Classes 20-22, 25-27, 40-42, 45-47, 73-75, for Rating Plan A) who elect to participate in Safety s telematics program. A 2% discount will apply to Parts 1-12 of the rated vehicle(s) that the eligible operator is assigned to. The vehicle must be a private passenger vehicle as defined in Rule 27. Motor homes, motorcycles, camper bodies and antiques are not eligible. K. Agency Loyalty Discount A new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has had no lapse in coverage on the New Business effective date of coverage with Safety, shall be entitled to a New Business Discount for Agency Loyalty. For policies written as new business prior to 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 3% discount will apply for the first and second year insured with Safety. For policies written as new business on or after 01/01/14: A discount for Parts 1-12 will be given to policyholders that are qualified for a New Business Discount for Agency Loyalty. A 7% discount will apply for the first year insured with Safety, a 5% discount on the second year insured with Safety, a 3% discount on the third year insured with Safety, and a 1% discount on the fourth year insured with Safety. L. e-customer Discount and Electronic Book Transfer Discount Discounts will be given to eligible policyholders who participate in Electronic Policy Issuance or Electronic Book Transfers. The discounts apply to parts 1-12 on the Coverage Selections Page. e-customer Discount An eligible policyholder who selects Electronic Policy Issuance shall be entitled to a discount described below: Multi-line e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies under Section G. 1. for an Account Credit, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All policyholders who select Electronic Policy Issuance and qualify under Section G.1. for an Account Credit, but do not qualify as described in 1. will be eligible for a 5% discount on the first policy year of their selection, a 3% discount on the second year of their selection, and a 1% discount on subsequent renewals with Safety. Mono-line Multi-car e-customer 1. A first-time policyholder to Safety Insurance Group who (A) selects Electronic Policy Issuance on or before the date their first policy is issued with Safety and (B) qualifies under Section K for New Business Discount for Agency Loyalty on the date of selection in (A), and (C) qualifies for the multi-car discount under Section A, will be eligible for a 7% discount for the first year insured, a 5% discount on the second year insured, a 3% discount on the third year insured, and a 1% discount on subsequent renewals with Safety. 2. All first-time policyholders to Safety Insurance Group with at least 12 months of continuous coverage who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, but do not qualify as described in 1. will be eligible for a 3% discount on the first policy year of their selection, and a 1% discount on subsequent renewals with Safety. 3. All renewal Mono-line policyholders who are eligible for the multi-car discount under Section A and select Electronic Policy Issuance, will be eligible for: Number of Years Discount 1 st year of selection Qualifies for Agency Loyalty 3% Does not qualify for Agency Loyalty 1% 2 nd and subsequent years after selection 1% Effective 06/01/16 19

393 changed pages 2015.pdf 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by +.15 for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by +.15 for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 06/01/15 23

394 MA PPA Changed Pages pdf 3. Stated or Agreed Amount If an automobile is appraised for stated or agreed amount coverage, the appraised value must be used to determine the symbol. For model years 1980 and prior, with values of $20,001 and above, the auto must be rated on a Stated Amount Basis in accordance with Rule 41. Safety has the option to waive the requirement of obtaining an appraisal as required under Rule Equipment: Vans and Pick-ups Except with respect to the coverage provided under Rule 47 for custom furnishings or custom equipment, the cost of any equipment installed in or upon a pick-up or van shall be added to the original cost new (acceptable valuation sources are listed in the Producer's Procedure Manual) in determining the applicable symbol. If original cost new is not available, vehicle purchase price new is acceptable. If vehicle purchase price new is not available, Appraisal Value is acceptable. B. Rating Vehicles with Symbols 18 and Above For model years 1981 through 2011, to determine the actual cash value premium for vehicle symbols 18 and above, apply the following factors to the base manual premium for the appropriate Part for Symbol 17 and the applicable territory, class, and model year, before discounts are applied (before step B.1 in Rule 11): Symbol Model Year 1989 & Prior Model Year * *Determine the actual cash value premium for Symbol 27 vehicles by: a) Increasing the factor for Symbol 26 by for each $10,000 or portion of $10,000 above $80,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. b) Applying this factor to the base manual premium (for the appropriate Part) for Symbol 17 and the applicable territory, class and model year, before discounts are applied (before step B.1 in Rule 11). C. Rating Vehicles with Symbol 98 (Model Year 2012 & Subsequent) Increase the factor for Symbol 70 by for each $10,000 or portion of $10,000 above $150,000 of the original cost new (acceptable valuation sources are listed in the Producer s Procedure Manual). If original cost new is not available, vehicle purchase price new is acceptable. RULE 23. HIGH-THEFT VEHICLES For certain model years, some makes and models are considered high-theft vehicles. These vehicles are identified in the High-Theft Vehicle Section of this Manual. Any person who acquires ownership of a high-theft vehicle must have a Category III, Category IV or Category V anti-theft device or vehicle recovery system installed in the vehicle, otherwise Safety may, charge an extra-risk rate, decline coverage, or cancel existing coverage. New Business Rule Any high-theft vehicle listed on a New Business Application which does not have an appropriate anti-theft device or vehicle recovery system shall be written at the extra-risk rate. If an appropriate device is installed within thirty days of the Effective 06/01/16 23

395 changed pages 2015.pdf RULE 25. VEHICLE SERIES RATING Vehicle Series Rating (VSR) is a program applied by the Insurance Services Office (ISO) to adjust the Price New Symbols of vehicles to increase or decrease the symbol due to loss experience reflecting crash damage, ease of repair, cost of repair parts, and theft for the particular vehicle, resulting in the Rating Symbol. The Rating Symbol is used to determine a vehicle s premium for Collision, Limited Collision and Comprehensive coverage. Reassignment of symbols shall be effective with 2006 and subsequent model year vehicles and may only be applied on the issuance date of a new policy and on the issuance date of subsequent policy renewals. A policy will not be changed at any time during the policy term solely due to a change in symbol assignment. As used in this rule, policy issuance date means the date on which the declarations page is issued for the new business or renewal policy. For model years 2006 through 2007, the VSR program reviews the symbol assignments for all vehicle series three times: when the model year is introduced and in each of the next two annual VSR review years. The symbol for a particular series may be up-symbolled, down-symbolled, or may remain the same. For model years 2008 and subsequent, the VSR program reviews the symbol assignments for all vehicle series five times: when the model year is introduced and in each of the next four annual VSR review years. The symbol for a particular series may be increased, decreased, or may remain the same. RULE 26. RATING PLAN AND TIER PLACEMENT GUIDELINES A. Overview Policies are assigned to a rating plan and then a tier on a policy level basis. The plan and tier are determined by certain policy characteristics on the issuance date of a new business policy and on the issuance date of subsequent policy renewals. Changes in any of the applicable policy characteristics will not be considered until the next policy issuance date for purposes of determining rating plan and tier. As used in this rule, policy issuance date means the date on which the declarations page is issued for the new business or renewal policy. Each tier has an associated factor that applies to all coverage parts and all vehicle types. As stated in Rule 11, apply the factor from the Tier Factor Table in section 26.C to the base rate and round to the same precision as the original base rate to determine a new base rate. Follow the normal calculation procedures with this new base rate. B. Tier Description Rating plan and tier assignment are determined by the following criteria: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Account Credit is given to a policyholder who purchases coverage from Safety for insurance other than private passenger automobiles, motorcycles, antiques or miscellaneous type rated in this manual. Whether the policy qualifies for the Multi-Car Discount (Rule 19. A); a policyholder who owns two or more automobiles and purchases coverage from Safety for at least two such automobiles The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policyholder qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.); a new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has no lapse in coverage on the new business effective date of coverage with Safety. What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on the policy. Effective 06/01/15 25

396 MA PPA Changed Pages pdf RULE 25. VEHICLE SERIES RATING Vehicle Series Rating (VSR) is a program applied by the Insurance Services Office (ISO) to adjust the Price New Symbols of vehicles to increase or decrease the symbol due to loss experience reflecting crash damage, ease of repair, cost of repair parts, and theft for the particular vehicle, resulting in the Rating Symbol. The Rating Symbol is used to determine a vehicle s premium for Collision, Limited Collision and Comprehensive coverage. Reassignment of symbols shall be effective with 2006 and subsequent model year vehicles and may only be applied on the issuance date of a new policy and on the issuance date of subsequent policy renewals. A policy will not be changed at any time during the policy term solely due to a change in symbol assignment. As used in this rule, policy issuance date means the date on which the declarations page is issued for the new business or renewal policy. For model years 2006 through 2007, the VSR program reviews the symbol assignments for all vehicle series three times: when the model year is introduced and in each of the next two annual VSR review years. The symbol for a particular series may be up-symbolled, down-symbolled, or may remain the same. For model years 2008 and subsequent, the VSR program reviews the symbol assignments for all vehicle series five times: when the model year is introduced and in each of the next four annual VSR review years. The symbol for a particular series may be increased, decreased, or may remain the same. RULE 26. RATING PLAN AND TIER PLACEMENT GUIDELINES A. Overview Policies are assigned to a rating plan and then a tier on a policy level basis. The plan and tier are determined by certain policy characteristics on the issuance date of a new business policy and on the issuance date of subsequent policy renewals. Changes in any of the applicable policy characteristics will not be considered until the next policy issuance date for purposes of determining rating plan and tier. As used in this rule, policy issuance date means the date on which the declarations page is issued for the new business or renewal policy. Each tier has an associated factor that applies to all coverage parts and all vehicle types. As stated in Rule 11, apply the factor from the Tier Factor Table in section 26.C to the base rate. Follow the normal calculation procedures with this new base rate. B. Tier Description Rating plan and tier assignment are determined by the following criteria: Whether the policy qualifies for the Safety Account Credit (Rule 19. G.1.). Account Credit is given to a policyholder who purchases coverage from Safety for insurance other than private passenger automobiles, motorcycles, antiques or miscellaneous type rated in this manual. Whether the policy qualifies for the Multi-Car Discount (Rule 19. A); a policyholder who owns two or more automobiles and purchases coverage from Safety for at least two such automobiles The number of years the policyholder has maintained continuous coverage with Safety. Whether the policyholder has been continuously insured for twelve or more months. Whether the policyholder qualifies (or did qualify on the original policy effective date for Safety) for the New Business Discount for Agency Loyalty (Rule 19.K.); a new policyholder to Safety who has three years of continuous prior insurance with an agency that represents Safety, and who has no lapse in coverage on the new business effective date of coverage with Safety. What the least favorable merit rating is for all rated operators (Rule 56.). Whether the policyholder has purchased comprehensive coverage (Part 9) for all vehicles on the policy. Effective 06/01/16 25

397 changed pages 2015.pdf C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A Effective 06/01/15 26

398 MA PPA Changed Pages pdf C. Tier Factors To determine the plan, tier and corresponding tier factor, assign the letter symbol for each policy characteristic as set forth in the Tier Symbol Assignment Table, below, thereby producing a resulting string of seven letters. Match those seven letters with the corresponding row in the Tier Factor Table, below. The two right-most columns on the Tier Factor Table indicate the Rating Plan and Tier Factor that should be assigned to the policy. Tier Symbol Assignment Table 1 Safety Account Credit A = Yes B = No 2 New Business Discount for Agency Loyalty* A = Yes B = No 3 Years insured with Safety A = 0 B = 1 C = 2 D = 3 E = 4-7 F = 8+ 4 Continuously insured for 12 or more months A = Yes B = No 5 Multi-Car Discount A = Yes B = No 6 Least favorable Merit Rating of ALL rated operators A = 99 B = 98 C = 0-4 D = 5+ 7 Part 9 coverage purchased for All Vehicles A = Yes B = No * will remain Yes if the policy qualified on the original effective date. Tier Factor Table Tier Tier Factor Rating Plan 1 A A A A A A A A 2 A A A A A A B A 3 A A A A A B A A 4 A A A A A B B A 5 A A A A A C A A 6 A A A A A C B A 7 A A A A A D A A 8 A A A A A D B A 9 A A A A B A A A 10 A A A A B A B A 11 A A A A B B A A 12 A A A A B B B A 13 A A A A B C A A 14 A A A A B C B A 15 A A A A B D A A 16 A A A A B D B A 17 A A A B A A A A 18 A A A B A A B A 19 A A A B A B A A 20 A A A B A B B A 21 A A A B A C A A 22 A A A B A C B A 23 A A A B A D A A 24 A A A B A D B A 25 A A A B B A A A 26 A A A B B A B A 27 A A A B B B A A Effective 06/01/16 26

399 changed pages 2015.pdf 28 A A A B B B B A 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A A 38 A A B A A C B A 39 A A B A A D A A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A A 46 A A B A B C B A 47 A A B A B D A A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A A 54 A A B B A C B A 55 A A B B A D A A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A A 62 A A B B B C B A 63 A A B B B D A A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A A 70 A A C A A C B A 71 A A C A A D A A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A Effective 06/01/15 27

400 MA PPA Changed Pages pdf 28 A A A B B B B A 29 A A A B B C A A 30 A A A B B C B A 31 A A A B B D A A 32 A A A B B D B A 33 A A B A A A A A 34 A A B A A A B A 35 A A B A A B A A 36 A A B A A B B A 37 A A B A A C A 1 A 38 A A B A A C B A 39 A A B A A D A 1 A 40 A A B A A D B A 41 A A B A B A A A 42 A A B A B A B A 43 A A B A B B A A 44 A A B A B B B A 45 A A B A B C A 1.1 A 46 A A B A B C B A 47 A A B A B D A 1.1 A 48 A A B A B D B A 49 A A B B A A A A 50 A A B B A A B A 51 A A B B A B A A 52 A A B B A B B A 53 A A B B A C A 1 A 54 A A B B A C B A 55 A A B B A D A 1 A 56 A A B B A D B A 57 A A B B B A A A 58 A A B B B A B A 59 A A B B B B A A 60 A A B B B B B A 61 A A B B B C A 1.1 A 62 A A B B B C B A 63 A A B B B D A 1.1 A 64 A A B B B D B A 65 A A C A A A A A 66 A A C A A A B A 67 A A C A A B A A 68 A A C A A B B A 69 A A C A A C A 1 A 70 A A C A A C B A 71 A A C A A D A 1 A 72 A A C A A D B A 73 A A C A B A A A 74 A A C A B A B A 75 A A C A B B A 1.1 A 76 A A C A B B B A 77 A A C A B C A A 78 A A C A B C B A 79 A A C A B D A A 80 A A C A B D B A Effective 06/01/16 27

401 changed pages 2015.pdf 81 A A C B A A A A 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A A 86 A A C B A C B A 87 A A C B A D A A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A A 102 A A D A A C B A 103 A A D A A D A A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A A 118 A A D B A C B A 119 A A D B A D A A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A A Effective 06/01/15 28

402 MA PPA Changed Pages pdf 81 A A C B A A A A 82 A A C B A A B A 83 A A C B A B A A 84 A A C B A B B A 85 A A C B A C A 1 A 86 A A C B A C B A 87 A A C B A D A 1 A 88 A A C B A D B A 89 A A C B B A A A 90 A A C B B A B A 91 A A C B B B A 1.1 A 92 A A C B B B B A 93 A A C B B C A A 94 A A C B B C B A 95 A A C B B D A A 96 A A C B B D B A 97 A A D A A A A A 98 A A D A A A B A 99 A A D A A B A A 100 A A D A A B B A 101 A A D A A C A 1 A 102 A A D A A C B A 103 A A D A A D A 1 A 104 A A D A A D B A 105 A A D A B A A A 106 A A D A B A B A 107 A A D A B B A 1.1 A 108 A A D A B B B A 109 A A D A B C A A 110 A A D A B C B A 111 A A D A B D A A 112 A A D A B D B A 113 A A D B A A A A 114 A A D B A A B A 115 A A D B A B A A 116 A A D B A B B A 117 A A D B A C A 1 A 118 A A D B A C B A 119 A A D B A D A 1 A 120 A A D B A D B A 121 A A D B B A A A 122 A A D B B A B A 123 A A D B B B A 1.1 A 124 A A D B B B B A 125 A A D B B C A A 126 A A D B B C B A 127 A A D B B D A A 128 A A D B B D B A 129 A A E A A A A A 130 A A E A A A B A 131 A A E A A B A A 132 A A E A A B B A 133 A A E A A C A 1 A Effective 06/01/16 28

403 changed pages 2015.pdf 134 A A E A A C B A 135 A A E A A D A A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A A 140 A A E A B B B A 141 A A E A B C A A 142 A A E A B C B A 143 A A E A B D A A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A A 150 A A E B A C B A 151 A A E B A D A A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A A 156 A A E B B B B A 157 A A E B B C A A 158 A A E B B C B A 159 A A E B B D A A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A A 166 A A F A A C B A 167 A A F A A D A A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A A 172 A A F A B B B A 173 A A F A B C A A 174 A A F A B C B A 175 A A F A B D A A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A A 182 A A F B A C B A 183 A A F B A D A A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A Effective 06/01/15 29

404 MA PPA Changed Pages pdf 134 A A E A A C B A 135 A A E A A D A 1 A 136 A A E A A D B A 137 A A E A B A A A 138 A A E A B A B A 139 A A E A B B A 1.02 A 140 A A E A B B B A 141 A A E A B C A 1.01 A 142 A A E A B C B A 143 A A E A B D A 1.01 A 144 A A E A B D B A 145 A A E B A A A A 146 A A E B A A B A 147 A A E B A B A A 148 A A E B A B B A 149 A A E B A C A 1 A 150 A A E B A C B A 151 A A E B A D A 1 A 152 A A E B A D B A 153 A A E B B A A A 154 A A E B B A B A 155 A A E B B B A 1.02 A 156 A A E B B B B A 157 A A E B B C A 1.01 A 158 A A E B B C B A 159 A A E B B D A 1.01 A 160 A A E B B D B A 161 A A F A A A A A 162 A A F A A A B A 163 A A F A A B A A 164 A A F A A B B A 165 A A F A A C A 1 A 166 A A F A A C B A 167 A A F A A D A 1 A 168 A A F A A D B A 169 A A F A B A A A 170 A A F A B A B A 171 A A F A B B A 1.02 A 172 A A F A B B B A 173 A A F A B C A 1.1 A 174 A A F A B C B A 175 A A F A B D A 1.1 A 176 A A F A B D B A 177 A A F B A A A A 178 A A F B A A B A 179 A A F B A B A A 180 A A F B A B B A 181 A A F B A C A 1 A 182 A A F B A C B A 183 A A F B A D A 1 A 184 A A F B A D B A 185 A A F B B A A A 186 A A F B B A B A Effective 06/01/16 29

405 changed pages 2015.pdf 187 A A F B B B A A 188 A A F B B B B A 189 A A F B B C A A 190 A A F B B C B A 191 A A F B B D A A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A A 238 A B B A B C B A 239 A B B A B D A A Effective 06/01/15 30

406 MA PPA Changed Pages pdf 187 A A F B B B A 1.02 A 188 A A F B B B B A 189 A A F B B C A 1.1 A 190 A A F B B C B A 191 A A F B B D A 1.1 A 192 A A F B B D B A 193 A B A A A A A A 194 A B A A A A B A 195 A B A A A B A A 196 A B A A A B B A 197 A B A A A C A A 198 A B A A A C B A 199 A B A A A D A A 200 A B A A A D B A 201 A B A A B A A A 202 A B A A B A B A 203 A B A A B B A A 204 A B A A B B B A 205 A B A A B C A A 206 A B A A B C B A 207 A B A A B D A A 208 A B A A B D B A 209 A B A B A A A A 210 A B A B A A B A 211 A B A B A B A A 212 A B A B A B B A 213 A B A B A C A A 214 A B A B A C B A 215 A B A B A D A A 216 A B A B A D B A 217 A B A B B A A A 218 A B A B B A B A 219 A B A B B B A A 220 A B A B B B B A 221 A B A B B C A A 222 A B A B B C B A 223 A B A B B D A A 224 A B A B B D B A 225 A B B A A A A A 226 A B B A A A B A 227 A B B A A B A A 228 A B B A A B B A 229 A B B A A C A A 230 A B B A A C B A 231 A B B A A D A A 232 A B B A A D B A 233 A B B A B A A A 234 A B B A B A B A 235 A B B A B B A A 236 A B B A B B B A 237 A B B A B C A 1.02 A 238 A B B A B C B A 239 A B B A B D A 1.02 A Effective 06/01/16 30

407 changed pages 2015.pdf 240 A B B A B D B A 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A A 254 A B B B B C B A 255 A B B B B D A A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A A 262 A B C A A C B A 263 A B C A A D A A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A A 268 A B C A B B B A 269 A B C A B C A A 270 A B C A B C B A 271 A B C A B D A A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A A 278 A B C B A C B A 279 A B C B A D A A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A A 284 A B C B B B B A 285 A B C B B C A A 286 A B C B B C B A 287 A B C B B D A A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A Effective 06/01/15 31

408 MA PPA Changed Pages pdf 240 A B B A B D B A 241 A B B B A A A A 242 A B B B A A B A 243 A B B B A B A A 244 A B B B A B B A 245 A B B B A C A A 246 A B B B A C B A 247 A B B B A D A A 248 A B B B A D B A 249 A B B B B A A A 250 A B B B B A B A 251 A B B B B B A A 252 A B B B B B B A 253 A B B B B C A 1.02 A 254 A B B B B C B A 255 A B B B B D A 1.02 A 256 A B B B B D B A 257 A B C A A A A A 258 A B C A A A B A 259 A B C A A B A A 260 A B C A A B B A 261 A B C A A C A 1 A 262 A B C A A C B A 263 A B C A A D A 1 A 264 A B C A A D B A 265 A B C A B A A A 266 A B C A B A B A 267 A B C A B B A 1.1 A 268 A B C A B B B A 269 A B C A B C A 1.01 A 270 A B C A B C B A 271 A B C A B D A 1.01 A 272 A B C A B D B A 273 A B C B A A A A 274 A B C B A A B A 275 A B C B A B A A 276 A B C B A B B A 277 A B C B A C A 1 A 278 A B C B A C B A 279 A B C B A D A 1 A 280 A B C B A D B A 281 A B C B B A A A 282 A B C B B A B A 283 A B C B B B A 1.1 A 284 A B C B B B B A 285 A B C B B C A 1.01 A 286 A B C B B C B A 287 A B C B B D A 1.01 A 288 A B C B B D B A 289 A B D A A A A A 290 A B D A A A B A 291 A B D A A B A A 292 A B D A A B B A Effective 06/01/16 31

409 changed pages 2015.pdf 293 A B D A A C A A 294 A B D A A C B A 295 A B D A A D A A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A A 300 A B D A B B B A 301 A B D A B C A A 302 A B D A B C B A 303 A B D A B D A A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A A 310 A B D B A C B A 311 A B D B A D A A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A A 316 A B D B B B B A 317 A B D B B C A A 318 A B D B B C B A 319 A B D B B D A A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A A 324 A B E A A B B A 325 A B E A A C A A 326 A B E A A C B A 327 A B E A A D A A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A A 332 A B E A B B B A 333 A B E A B C A A 334 A B E A B C B A 335 A B E A B D A A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A A 340 A B E B A B B A 341 A B E B A C A A 342 A B E B A C B A 343 A B E B A D A A 344 A B E B A D B A 345 A B E B B A A A Effective 06/01/15 32

410 MA PPA Changed Pages pdf 293 A B D A A C A 1 A 294 A B D A A C B A 295 A B D A A D A 1 A 296 A B D A A D B A 297 A B D A B A A A 298 A B D A B A B A 299 A B D A B B A 1.1 A 300 A B D A B B B A 301 A B D A B C A 1.01 A 302 A B D A B C B A 303 A B D A B D A 1.01 A 304 A B D A B D B A 305 A B D B A A A A 306 A B D B A A B A 307 A B D B A B A A 308 A B D B A B B A 309 A B D B A C A 1 A 310 A B D B A C B A 311 A B D B A D A 1 A 312 A B D B A D B A 313 A B D B B A A A 314 A B D B B A B A 315 A B D B B B A 1.1 A 316 A B D B B B B A 317 A B D B B C A 1.01 A 318 A B D B B C B A 319 A B D B B D A 1.01 A 320 A B D B B D B A 321 A B E A A A A A 322 A B E A A A B A 323 A B E A A B A 1 A 324 A B E A A B B A 325 A B E A A C A 1 A 326 A B E A A C B A 327 A B E A A D A 1 A 328 A B E A A D B A 329 A B E A B A A A 330 A B E A B A B A 331 A B E A B B A 1.1 A 332 A B E A B B B A 333 A B E A B C A 1.02 A 334 A B E A B C B A 335 A B E A B D A 1.02 A 336 A B E A B D B A 337 A B E B A A A A 338 A B E B A A B A 339 A B E B A B A 1 A 340 A B E B A B B A 341 A B E B A C A 1 A 342 A B E B A C B A 343 A B E B A D A 1 A 344 A B E B A D B A 345 A B E B B A A A Effective 06/01/16 32

411 changed pages 2015.pdf 346 A B E B B A B A 347 A B E B B B A A 348 A B E B B B B A 349 A B E B B C A A 350 A B E B B C B A 351 A B E B B D A A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A A 364 A B F A B B B A 365 A B F A B C A A 366 A B F A B C B A 367 A B F A B D A A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A A 380 A B F B B B B A 381 A B F B B C A A 382 A B F B B C B A 383 A B F B B D A A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A Effective 06/01/15 33

412 MA PPA Changed Pages pdf 346 A B E B B A B A 347 A B E B B B A 1.1 A 348 A B E B B B B A 349 A B E B B C A 1.02 A 350 A B E B B C B A 351 A B E B B D A 1.02 A 352 A B E B B D B A 353 A B F A A A A A 354 A B F A A A B A 355 A B F A A B A A 356 A B F A A B B A 357 A B F A A C A A 358 A B F A A C B A 359 A B F A A D A A 360 A B F A A D B A 361 A B F A B A A A 362 A B F A B A B A 363 A B F A B B A 1.02 A 364 A B F A B B B A 365 A B F A B C A 1.1 A 366 A B F A B C B A 367 A B F A B D A 1.1 A 368 A B F A B D B A 369 A B F B A A A A 370 A B F B A A B A 371 A B F B A B A A 372 A B F B A B B A 373 A B F B A C A A 374 A B F B A C B A 375 A B F B A D A A 376 A B F B A D B A 377 A B F B B A A A 378 A B F B B A B A 379 A B F B B B A 1.02 A 380 A B F B B B B A 381 A B F B B C A 1.1 A 382 A B F B B C B A 383 A B F B B D A 1.1 A 384 A B F B B D B A 385 B A A A A A A A 386 B A A A A A B A 387 B A A A A B A 1.02 A 388 B A A A A B B A 389 B A A A A C A A 390 B A A A A C B A 391 B A A A A D A A 392 B A A A A D B A 393 B A A A B A A A 394 B A A A B A B A 395 B A A A B B A A 396 B A A A B B B A 397 B A A A B C A A 398 B A A A B C B A Effective 06/01/16 33

413 changed pages 2015.pdf 399 B A A A B D A A 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A A 422 B A B A A C B A 423 B A B A A D A A 424 B A B A A D B A 425 B A B A B A A A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A A 430 B A B A B C B A 431 B A B A B D A A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A A 438 B A B B A C B A 439 B A B B A D A A 440 B A B B A D B A 441 B A B B B A A A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A A 446 B A B B B C B A 447 B A B B B D A A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A Effective 06/01/15 34

414 MA PPA Changed Pages pdf 399 B A A A B D A A 400 B A A A B D B A 401 B A A B A A A A 402 B A A B A A B A 403 B A A B A B A 1.02 A 404 B A A B A B B A 405 B A A B A C A A 406 B A A B A C B A 407 B A A B A D A A 408 B A A B A D B A 409 B A A B B A A A 410 B A A B B A B A 411 B A A B B B A A 412 B A A B B B B A 413 B A A B B C A A 414 B A A B B C B A 415 B A A B B D A A 416 B A A B B D B A 417 B A B A A A A A 418 B A B A A A B A 419 B A B A A B A A 420 B A B A A B B A 421 B A B A A C A 1.1 A 422 B A B A A C B A 423 B A B A A D A 1.1 A 424 B A B A A D B A 425 B A B A B A A 1.2 A 426 B A B A B A B A 427 B A B A B B A A 428 B A B A B B B A 429 B A B A B C A 1.2 A 430 B A B A B C B A 431 B A B A B D A 1.2 A 432 B A B A B D B A 433 B A B B A A A A 434 B A B B A A B A 435 B A B B A B A A 436 B A B B A B B A 437 B A B B A C A 1.1 A 438 B A B B A C B A 439 B A B B A D A 1.1 A 440 B A B B A D B A 441 B A B B B A A 1.2 A 442 B A B B B A B A 443 B A B B B B A A 444 B A B B B B B A 445 B A B B B C A 1.2 A 446 B A B B B C B A 447 B A B B B D A 1.2 A 448 B A B B B D B A 449 B A C A A A A A 450 B A C A A A B A 451 B A C A A B A A Effective 06/01/16 34

415 changed pages 2015.pdf 452 B A C A A B B A 453 B A C A A C A A 454 B A C A A C B A 455 B A C A A D A A 456 B A C A A D B A 457 B A C A B A A A 458 B A C A B A B A 459 B A C A B B A A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B A 469 B A C B A C A A 470 B A C B A C B A 471 B A C B A D A A 472 B A C B A D B A 473 B A C B B A A A 474 B A C B B A B A 475 B A C B B B A A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B A 485 B A D A A C A A 486 B A D A A C B A 487 B A D A A D A A 488 B A D A A D B A 489 B A D A B A A A 490 B A D A B A B A 491 B A D A B B A A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B A 501 B A D B A C A A 502 B A D B A C B A 503 B A D B A D A A 504 B A D B A D B A Effective 06/01/15 35

416 MA PPA Changed Pages pdf 452 B A C A A B B 1.1 A 453 B A C A A C A 1.1 A 454 B A C A A C B A 455 B A C A A D A 1.1 A 456 B A C A A D B A 457 B A C A B A A 1.05 A 458 B A C A B A B A 459 B A C A B B A 1.1 A 460 B A C A B B B A 461 B A C A B C A A 462 B A C A B C B A 463 B A C A B D A A 464 B A C A B D B A 465 B A C B A A A A 466 B A C B A A B A 467 B A C B A B A A 468 B A C B A B B 1.1 A 469 B A C B A C A 1.1 A 470 B A C B A C B A 471 B A C B A D A 1.1 A 472 B A C B A D B A 473 B A C B B A A 1.05 A 474 B A C B B A B A 475 B A C B B B A 1.1 A 476 B A C B B B B A 477 B A C B B C A A 478 B A C B B C B A 479 B A C B B D A A 480 B A C B B D B A 481 B A D A A A A A 482 B A D A A A B A 483 B A D A A B A A 484 B A D A A B B 1.1 A 485 B A D A A C A 1.1 A 486 B A D A A C B A 487 B A D A A D A 1.1 A 488 B A D A A D B A 489 B A D A B A A 1.05 A 490 B A D A B A B A 491 B A D A B B A 1.1 A 492 B A D A B B B A 493 B A D A B C A A 494 B A D A B C B A 495 B A D A B D A A 496 B A D A B D B A 497 B A D B A A A A 498 B A D B A A B A 499 B A D B A B A A 500 B A D B A B B 1.1 A 501 B A D B A C A 1.1 A 502 B A D B A C B A 503 B A D B A D A 1.1 A 504 B A D B A D B A Effective 06/01/16 35

417 changed pages 2015.pdf 505 B A D B B A A A 506 B A D B B A B A 507 B A D B B B A A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B A 551 B A F A A D A A 552 B A F A A D B A 553 B A F A B A A A 554 B A F A B A B A 555 B A F A B B A A 556 B A F A B B B A 557 B A F A B C A A Effective 06/01/15 36

418 MA PPA Changed Pages pdf 505 B A D B B A A 1.05 A 506 B A D B B A B A 507 B A D B B B A 1.1 A 508 B A D B B B B A 509 B A D B B C A A 510 B A D B B C B A 511 B A D B B D A A 512 B A D B B D B A 513 B A E A A A A A 514 B A E A A A B A 515 B A E A A B A A 516 B A E A A B B 1.02 A 517 B A E A A C A A 518 B A E A A C B A 519 B A E A A D A A 520 B A E A A D B A 521 B A E A B A A A 522 B A E A B A B A 523 B A E A B B A 1.1 A 524 B A E A B B B A 525 B A E A B C A A 526 B A E A B C B A 527 B A E A B D A A 528 B A E A B D B A 529 B A E B A A A A 530 B A E B A A B A 531 B A E B A B A A 532 B A E B A B B 1.02 A 533 B A E B A C A A 534 B A E B A C B A 535 B A E B A D A A 536 B A E B A D B A 537 B A E B B A A A 538 B A E B B A B A 539 B A E B B B A 1.1 A 540 B A E B B B B A 541 B A E B B C A A 542 B A E B B C B A 543 B A E B B D A A 544 B A E B B D B A 545 B A F A A A A A 546 B A F A A A B A 547 B A F A A B A A 548 B A F A A B B A 549 B A F A A C A A 550 B A F A A C B 1.02 A 551 B A F A A D A A 552 B A F A A D B 1.02 A 553 B A F A B A A A 554 B A F A B A B 1.05 A 555 B A F A B B A A 556 B A F A B B B 1.2 A 557 B A F A B C A A Effective 06/01/16 36

419 changed pages 2015.pdf 558 B A F A B C B A 559 B A F A B D A A 560 B A F A B D B A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B A 567 B A F B A D A A 568 B A F B A D B A 569 B A F B B A A A 570 B A F B B A B A 571 B A F B B B A A 572 B A F B B B B A 573 B A F B B C A A 574 B A F B B C B A 575 B A F B B D A A 576 B A F B B D B A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A B 602 B B A B B A B B 603 B B A B B B A B 604 B B A B B B B B 605 B B A B B C A B 606 B B A B B C B B 607 B B A B B D A B 608 B B A B B D B B 609 B B B A A A A A 610 B B B A A A B A Effective 06/01/15 37

420 MA PPA Changed Pages pdf 558 B A F A B C B 1.1 A 559 B A F A B D A A 560 B A F A B D B 1.1 A 561 B A F B A A A A 562 B A F B A A B A 563 B A F B A B A A 564 B A F B A B B A 565 B A F B A C A A 566 B A F B A C B 1.02 A 567 B A F B A D A A 568 B A F B A D B 1.02 A 569 B A F B B A A A 570 B A F B B A B 1.05 A 571 B A F B B B A A 572 B A F B B B B 1.2 A 573 B A F B B C A A 574 B A F B B C B 1.1 A 575 B A F B B D A A 576 B A F B B D B 1.1 A 577 B B A A A A A A 578 B B A A A A B A 579 B B A A A B A A 580 B B A A A B B A 581 B B A A A C A A 582 B B A A A C B A 583 B B A A A D A A 584 B B A A A D B A 585 B B A A B A A A 586 B B A A B A B A 587 B B A A B B A A 588 B B A A B B B A 589 B B A A B C A A 590 B B A A B C B A 591 B B A A B D A A 592 B B A A B D B A 593 B B A B A A A A 594 B B A B A A B A 595 B B A B A B A A 596 B B A B A B B A 597 B B A B A C A A 598 B B A B A C B A 599 B B A B A D A A 600 B B A B A D B A 601 B B A B B A A 1 B 602 B B A B B A B 1 B 603 B B A B B B A 1 B 604 B B A B B B B 1 B 605 B B A B B C A 1 B 606 B B A B B C B 1 B 607 B B A B B D A 1 B 608 B B A B B D B 1 B 609 B B B A A A A A 610 B B B A A A B A Effective 06/01/16 37

421 changed pages 2015.pdf 611 B B B A A B A A 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A A 622 B B B A B C B A 623 B B B A B D A A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A B 634 B B B B B A B B 635 B B B B B B A B 636 B B B B B B B B 637 B B B B B C A B 638 B B B B B C B B 639 B B B B B D A B 640 B B B B B D B B 641 B B C A A A A A 642 B B C A A A B A 643 B B C A A B A A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A A 650 B B C A B A B A 651 B B C A B B A A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A A 658 B B C B A A B A 659 B B C B A B A A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A Effective 06/01/15 38

422 MA PPA Changed Pages pdf 611 B B B A A B A A 612 B B B A A B B A 613 B B B A A C A A 614 B B B A A C B A 615 B B B A A D A A 616 B B B A A D B A 617 B B B A B A A A 618 B B B A B A B A 619 B B B A B B A A 620 B B B A B B B A 621 B B B A B C A 1.2 A 622 B B B A B C B A 623 B B B A B D A 1.2 A 624 B B B A B D B A 625 B B B B A A A A 626 B B B B A A B A 627 B B B B A B A A 628 B B B B A B B A 629 B B B B A C A A 630 B B B B A C B A 631 B B B B A D A A 632 B B B B A D B A 633 B B B B B A A 1 B 634 B B B B B A B 1 B 635 B B B B B B A 1 B 636 B B B B B B B 1 B 637 B B B B B C A 1 B 638 B B B B B C B 1 B 639 B B B B B D A 1 B 640 B B B B B D B 1 B 641 B B C A A A A 1.07 A 642 B B C A A A B 1.3 A 643 B B C A A B A 1.07 A 644 B B C A A B B A 645 B B C A A C A A 646 B B C A A C B A 647 B B C A A D A A 648 B B C A A D B A 649 B B C A B A A 1.1 A 650 B B C A B A B A 651 B B C A B B A 1.1 A 652 B B C A B B B A 653 B B C A B C A A 654 B B C A B C B A 655 B B C A B D A A 656 B B C A B D B A 657 B B C B A A A 1.07 A 658 B B C B A A B 1.3 A 659 B B C B A B A 1.07 A 660 B B C B A B B A 661 B B C B A C A A 662 B B C B A C B A 663 B B C B A D A A Effective 06/01/16 38

423 changed pages 2015.pdf 664 B B C B A D B A 665 B B C B B A A B 666 B B C B B A B B 667 B B C B B B A B 668 B B C B B B B B 669 B B C B B C A B 670 B B C B B C B B 671 B B C B B D A B 672 B B C B B D B B 673 B B D A A A A A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A A 678 B B D A A C B A 679 B B D A A D A A 680 B B D A A D B A 681 B B D A B A A A 682 B B D A B A B A 683 B B D A B B A A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A A 694 B B D B A C B A 695 B B D B A D A A 696 B B D B A D B A 697 B B D B B A A A 698 B B D B B A B A 699 B B D B B B A A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B A 715 B B E A B B A A 716 B B E A B B B A Effective 06/01/15 39

424 MA PPA Changed Pages pdf 664 B B C B A D B A 665 B B C B B A A 1 B 666 B B C B B A B 1 B 667 B B C B B B A 1 B 668 B B C B B B B 1 B 669 B B C B B C A 1 B 670 B B C B B C B 1 B 671 B B C B B D A 1 B 672 B B C B B D B 1 B 673 B B D A A A A 1 A 674 B B D A A A B A 675 B B D A A B A A 676 B B D A A B B A 677 B B D A A C A 1.1 A 678 B B D A A C B A 679 B B D A A D A 1.1 A 680 B B D A A D B A 681 B B D A B A A 1.05 A 682 B B D A B A B A 683 B B D A B B A 1.1 A 684 B B D A B B B A 685 B B D A B C A A 686 B B D A B C B A 687 B B D A B D A A 688 B B D A B D B A 689 B B D B A A A 1 A 690 B B D B A A B A 691 B B D B A B A A 692 B B D B A B B A 693 B B D B A C A 1.1 A 694 B B D B A C B A 695 B B D B A D A 1.1 A 696 B B D B A D B A 697 B B D B B A A 1.05 A 698 B B D B B A B A 699 B B D B B B A 1.1 A 700 B B D B B B B A 701 B B D B B C A A 702 B B D B B C B A 703 B B D B B D A A 704 B B D B B D B A 705 B B E A A A A A 706 B B E A A A B A 707 B B E A A B A A 708 B B E A A B B 1.1 A 709 B B E A A C A A 710 B B E A A C B A 711 B B E A A D A A 712 B B E A A D B A 713 B B E A B A A A 714 B B E A B A B 1.2 A 715 B B E A B B A 1.1 A 716 B B E A B B B A Effective 06/01/16 39

425 changed pages 2015.pdf 717 B B E A B C A A 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B A 731 B B E B B B A A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B A 743 B B F A A D A A 744 B B F A A D B A 745 B B F A B A A A 746 B B F A B A B A 747 B B F A B B A A 748 B B F A B B B A 749 B B F A B C A A 750 B B F A B C B A 751 B B F A B D A A 752 B B F A B D B A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B A 759 B B F B A D A A 760 B B F B A D B A 761 B B F B B A A A 762 B B F B B A B A 763 B B F B B B A A 764 B B F B B B B A 765 B B F B B C A A 766 B B F B B C B A 767 B B F B B D A A 768 B B F B B D B A Effective 06/01/15 40

426 MA PPA Changed Pages pdf 717 B B E A B C A A 718 B B E A B C B A 719 B B E A B D A A 720 B B E A B D B A 721 B B E B A A A A 722 B B E B A A B A 723 B B E B A B A A 724 B B E B A B B 1.1 A 725 B B E B A C A A 726 B B E B A C B A 727 B B E B A D A A 728 B B E B A D B A 729 B B E B B A A A 730 B B E B B A B 1.2 A 731 B B E B B B A 1.1 A 732 B B E B B B B A 733 B B E B B C A A 734 B B E B B C B A 735 B B E B B D A A 736 B B E B B D B A 737 B B F A A A A A 738 B B F A A A B A 739 B B F A A B A A 740 B B F A A B B A 741 B B F A A C A A 742 B B F A A C B 1.02 A 743 B B F A A D A A 744 B B F A A D B 1.02 A 745 B B F A B A A A 746 B B F A B A B 1.05 A 747 B B F A B B A A 748 B B F A B B B 1.1 A 749 B B F A B C A A 750 B B F A B C B 1.1 A 751 B B F A B D A A 752 B B F A B D B 1.1 A 753 B B F B A A A A 754 B B F B A A B A 755 B B F B A B A A 756 B B F B A B B A 757 B B F B A C A A 758 B B F B A C B 1.02 A 759 B B F B A D A A 760 B B F B A D B 1.02 A 761 B B F B B A A A 762 B B F B B A B 1.05 A 763 B B F B B B A A 764 B B F B B B B 1.1 A 765 B B F B B C A A 766 B B F B B C B 1.1 A 767 B B F B B D A A 768 B B F B B D B 1.1 A Effective 06/01/16 40

427 changed pages 2015.pdf 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 06/01/15 44

428 MA PPA Changed Pages pdf 21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator has been licensed less than three years, is not the principal operator of the automobile, and has not completed a Satisfactory Driver Training Program. 25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, is the principal operator of the automobile, and has completed a Satisfactory Driver Training Program. 26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not the principal operator of the automobile. 30 Business Use. The operator has been licensed at least six years and the automobile is used in the occupation, profession, or business of the insured. Going to or from the principal place of the occupation, profession or business of the insured is not considered business use. Premiums otherwise applicable to automobiles with Class 50, 51, 52, 53, 54, 55, 56 and 57 for Rating Plan A or Class 10 for Rating Plan B shall be reduced by 25% for insureds age 65 or older. Driving experience is first determined by the number of full years that the operator has held a valid driver s license at the time the policy is issued. The number of years licensed will be determined based on the operator s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. In the event that an operator s driving privileges have ever been suspended for driving related offenses, the years driving experience will be determined by the number of years since the last reinstatement of driving privileges. Foreign driving experience will be accepted if Safety is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Operators All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator s license, but does not include a person who has only a learner s permit. 1. Assignment of Operators to Automobiles a. Each operator listed on the policy shall be assigned to an automobile on the policy based on the operator s class and merit rating in a manner which produces the highest Combined Premium (the sum of the premium for Parts 1, 2, 4, 5, 7, 8, and 9 for the operator s class and the operator s merit rating) for each automobile. The operators shall be assigned in order of the highest Combined Premium applied to the automobile with highest Base Premium (the automobile s Class 50 premium for Rating Plan A or Class 10 premium for Rating Plan B for Parts 1, 2, 4, 5, 7, 8, and 9) until all operators are assigned to an automobile, except that: i. If an inexperienced operator is the principal operator of a specific automobile, the automobile shall be rated with the appropriate inexperienced principal operator class and merit rating of that operator; ii. If an operator age 65 or over is the principal operator of a specific automobile and all operators listed on the policy have been licensed at least six years, the automobile shall be rated as Class 60, 61, 62, 63, 64, 65, 66, or 67 for Rating Plan A or Class 15 for Rating Plan B and that operator s merit rating shall be applied. However, if more than one listed operator is age 65 or over, their class and merit rating shall be applied in the manner which produces the highest Combined Premium. iii. If an operator s class and merit rating are rated on an automobile covered by another Massachusetts private passenger insurance policy, that operator shall be deferred from rating on the policy (Deferred Operator). If all operators listed on a policy are Deferred Operators, the operator producing the lowest Combined Premium shall be assigned to the automobile(s). iv. If only one operator is listed on the policy, all automobiles on the policy will be assigned the same principal operator classification and merit rating. v. If each listed operator has been used in rating an automobile on the policy, any remaining automobiles shall be assigned the operator s class and merit rating which produces the lowest Combined Premium, unless the automobile is subject to rating as Class 30. vi. If more than one operator is listed on the policy, an operator cannot be assigned as the principal operator of more than one automobile on the policy until the other operators (except Deferred Operators) are assigned to an automobile. b. The assignment of operators to automobiles applies regardless of the number of policies or insurers involved. Effective 06/01/16 44

429 changed pages 2015.pdf RULE 55. PRE-INSURANCE INSPECTION PROGRAM General Laws Chapter 175, section 113S, and the implementing regulation, 211 CMR 94.00, require the pre-insurance inspection of private passenger motor vehicles. Eligibility Unless specifically exempted or waived, all private passenger motor vehicles and pick-ups or vans having a gross vehicle weight up to 10,000 pounds are required to be inspected by Safety prior to the issuance of physical damage coverages by Safety. Safety s decision to require an inspection in situations that are otherwise waived or exempt will be based on underwriting criteria uniformly applied, and such decision will be supported by objective facts. The decision to require such an inspection shall not be based on the age, race, sex, marital status, creed, national origin, religion, occupation, income, education, credit information or homeownership of the applicant or the customary operators of the motor vehicle, the principal place where the motor vehicle is garaged, or the fact that the policy has been assigned to Safety through the Massachusetts Automobile Insurance Plan. Exemptions to the Inspection Requirement An inspection shall not be required if: 1. The motor vehicle is a new, unused motor vehicle from a franchised automobile dealership where Safety is provided with either: a copy of the bill of sale which contains a full description of the motor vehicle, including all options and accessories; or a copy of the RMV Form 1 provided by the Registry of Motor Vehicles, which establishes the transfer of ownership from the dealer to the customer and a copy of the window sticker or the dealer invoice showing the itemized options and equipment in addition to the total retail price of the vehicle. 2. The applicant has been insured for the three years or longer, without interruption, under a motor vehicle liability policy or policies which include(s) physical damage coverage, issued by the insurer to which the application is submitted. 3. The inspection is waived by Safety. 4. Any private passenger motor vehicle that is not owned by the applicant, but is used by the applicant, with the permission of the owner, is a temporary substitute due to breakdown, repair, servicing, loss or destruction of the applicant s own motor vehicle. 5. The motor vehicle is leased less than six months, provided Safety receives the lease or rental agreement containing a description of the leased motor vehicle, including its condition. 6. The inspection would cause a serious hardship to Safety or the applicant. 7. Safety has no inspection facility or authorized representative either in the city or town in which the motor vehicle is principally garaged or within five miles of said city or town. Safety shall maintain a written record of its reasons for requiring an inspection in situations that are otherwise exempt in the applicant's policy record. Waiver of Inspection An inspection may be waived if any of the following apply: 1. All listed operators have a merit rating response of less than 16 points. 2. The motor vehicle is ten or more years older than the current calendar year for all policies issued or renewed during the current calendar year. Example: For policies issued or renewed during calendar year 2010, inspection of all 2000 and older model year vehicles may be waived. 3. A non-owned vehicle is insured under a policy providing physical damage coverage issued by Safety which has inspected such motor vehicle in accordance with the provisions of this regulation. Effective 06/01/15 60

430 MA PPA Changed Pages pdf RULE 55. PRE-INSURANCE INSPECTION PROGRAM Pre-insurance inspections will be waived for all vehicles insured under a policy. This rule will apply uniformly to all insureds. Effective 06/01/16 60

431 changed pages 2015.pdf 4. The applicant has had continuous auto insurance coverage for the prior 12 months and has a valid Massachusetts Drivers license; the exception to this would be if an applicant is adding physical damage coverage to an existing vehicle listed on the policy an inspection is required. Safety shall maintain a written record of its reasons for not waiving an inspection in situations where it is permitted in the applicant's policy record. Deferral of Inspection Safety may defer an inspection for ten calendar days (not including legal holidays and Sundays) following the effective date of coverage if an inspection at the time of the request for coverage would create a serious inconvenience for the applicant. If Safety, pursuant to Rule 27 of the MAIP Rules of Operation, is required to provide physical damage coverage at the option of the applicant, it shall provide physical damage coverage as requested by the applicant, and may defer the inspection for ten calendar days (not including legal holidays and Sundays). Inspection Procedures Inspections required or permitted shall be made by a designated authorized representative of Safety at a time and place reasonably convenient to the applicant. Safety will retain the original report and photographs for three years except as provided by the Regulation. Safety shall maintain an up-to-date list of all its authorized representatives and inspection sites. RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous Effective 06/01/15 61

432 MA PPA Changed Pages pdf RULE 56. MERIT RATING Driving Record /Experience Period Each listed operator on a policy is assigned a merit rating based on the operator s driving record. The merit rating adjustment is a factor multiplied by the otherwise applicable premium that reflects the number, type and age of at fault accidents and traffic violations of the operator during the policy experience period. The factor can be either positive or negative. Note that the Surcharge Date of the accident or violation is used in the determination of Merit Rating Points or Credits rather than the Incident Date. The policy experience period is defined to be the six years immediately preceding the effective date of the policy. At fault accidents or traffic violations that were surcharged (based on the surcharge date) more than five years prior to the policy effective date are not considered in the determination of the merit rate adjustment. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator s policy experience period will begin as of the effective date of that policy until Safety receives an authorized inquiry response from the Merit Rating Board indicating the operator s merit rating code. If an operator s Motor Vehicle Report (MVR) is electronically available, Safety will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVR s obtained from more than one state or country will be combined by Safety and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. If an operator s MVR is not electronically available, the policy experience period for the operator will begin as of the effective date of the policy until Safety receives an authorized inquiry response from the Merit Rating Board with the operator s actual merit rating code. The operator may obtain an official driving record or a driving record from a previous insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. For accidents occurring prior to July 1, 2015, an at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. For accidents occurring on or after July 1, 2015, an at-fault accident is defined as minor only if it resulted in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of more than $1,000 and up to $5,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $5,000. Effective 06/01/16 61

433 changed pages 2015.pdf insurer and submit it to Safety. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Safety. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator s record, Safety will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator s record with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An at-fault accident is one in which Safety determines that the involved operator is more than 50% at fault. An at-fault accident is defined as minor only if it results in a claim payment for bodily injury liability, damage to someone else s property, collision or limited collision of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 06/01/15 62

434 MA PPA Changed Pages pdf If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) less than three years prior to the policy effective date, the operator s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation was surcharged (based on the surcharge date) more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) in the past five years is three or less, the operator s merit rating code is equal to the sum of the points accumulated for at-fault accidents or traffic violations that were surcharged (based on the surcharge date) during the five years immediately preceding the effective date of the policy minus the total number of at fault accidents or traffic violations that were surcharged (based on the surcharge date) during that same time period that resulted in points. In no event shall the points for any at-fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation. If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the six years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver Plus (merit rating code 99). If there are no at-fault accidents or traffic violations attributable (by surcharge date) to an operator during the five years immediately preceding the policy effective date, the operator s merit rating is Excellent Driver (merit rating code 98). In addition, a merit rating of Excellent Driver (merit rating code of 98) will be assigned to an operator with at least five years of experience, with an incident free period equal to or greater than three, with one minor non criminal traffic violation that was surcharged (based on the surcharge date) in the fourth, fifth or sixth year of the experience period. Calculation of the Merit Rate Adjustment The merit rate adjustment is multiplied by the otherwise applicable premium for Bodily Injury (Part 1), Personal Injury Protection (Part 2), Property Damage (Part 4), Optional Bodily Injury (Part 5), and Collision (Part 7). The merit rate adjustment is the last step in the rating process after all discounts and rating factors have been applied. Excellent Driver Discount and Excellent Driver Discount Plus A percentage value will reflect the lower expected loss experience of operators with incident-free periods of a) more than five years and less than six years, and b) of at least six years. These percentage values may vary according to the affected Liability and Collision coverages, irrespective of the class and territory of the policy. Effective 06/01/16 62

435 changed pages 2015.pdf Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 50-57, or 30) Parts 1, 2, and 4 Part 5 Part 7 Inexperienced Operators (All Other Rate Classes) Parts 1, 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 06/01/15 63

436 MA PPA Changed Pages pdf Rating Plan A Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators Inexperienced Operators (Rate Class 50-57, or 30) (All Other Rate Classes) Parts 1, Parts 1, 2, and 4 Part 5 Part 7 2, and 4 Part 5 Part 7 Excellent Driver Plus N/A N/A N/A Excellent Driver Effective 06/01/16 63

437 changed pages 2015.pdf Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 06/01/15 64

438 MA PPA Changed Pages pdf Merit Rating (cont'd) Points Credit/Adj Factors Credit/Adj Factors * Total merit rate adjustment is determined by applying the above factors (for the appropriate points) to premium by coverage (after all applicable discounts and rating factors have been applied), rounding to the nearest whole dollar amount and then summing the results for all coverages. Rating Plan B Merit Rating Calculation of the Merit Rate Adjustment Factors to Apply to Otherwise Applicable Premiums * Points Credit/Adj Factors Credit/Adj Factors Experienced Operators (Rate Class 10, 15 or 30) Inexperienced Operators (All Other Rate Classes) Parts 1, 2, 4 and 5 Part 7 Parts 1, 2, 4 and 5 Part 7 Excellent Driver Plus NA NA Excellent Driver Effective 06/01/16 64

439 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 2

440 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 1 (A-1) Rating Plan A Compulsory BI (Part 1) Class Territory , , , , , , , , , , , , , , , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 2

441 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 3

442 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 2 (A-2) Rating Plan A PIP (Part 2) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 3

443 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 4

444 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 4 Basic ($5000 PDL) Rating Plan A Property Damage Liability (Part 4) Class Territory , , , , , , Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 4

445 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 5

446 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 5 (B) Rating Plan A Optional BI (Part 5) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 5

447 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory , ,097 1,044 1, ,095 1,042 1, ,154 1,099 1, , ,170 1,114 1, ,053 1, ,193 1,135 1, ,073 1,022 1, ,275 1,214 1, ,147 1,093 1, ,206 1,149 1, ,086 1,034 1, ,188 1,131 1, ,069 1, ,209 1,152 1, ,089 1,037 1, ,183 1,127 1, ,065 1, ,210 1,153 1, ,090 1,038 1, ,398 1,331 1, ,258 1,198 1, ,327 1,263 1,238 1,104 1,052 1,031 1,194 1,137 1, ,452 1,383 1, ,307 1,245 1, ,599 1,522 1, ,439 1,370 1, ,190 1,133 1, ,071 1,020 1, ,313 1,251 1, ,182 1,126 1, ,213 1,156 1, ,092 1,040 1, ,586 1,511 1, ,428 1,360 1, , ,363 1,297 1,272 1,064 1, ,227 1,167 1, , ,561 1,487 1,458 1,191 1,134 1,112 1,405 1,338 1,312 1,071 1,021 1, ,378 1,313 1, ,240 1,182 1, ,241 1,182 1, ,118 1,064 1, ,405 1,338 1, ,265 1,204 1, , ,638 1,560 1,529 1, ,474 1,404 1, ,189 1,132 1, ,070 1, ,187 1,130 1, ,068 1, ,295 1,233 1, ,165 1,110 1, ,518 1,445 1, ,367 1,301 1, ,290 1,228 1, ,161 1,105 1, ,445 1,376 1, ,301 1,238 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 6

448 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 7 $500 Deductible (Collision) Rating Plan A Collision (Part 7) Class Territory ,134 1, , ,186 1,097 1, , ,184 1,095 1, , ,248 1,155 1, ,122 1, ,265 1,170 1, ,139 1,023 1, ,290 1,192 1, ,160 1,042 1, ,379 1,275 1, ,240 1,115 1, ,304 1,207 1, ,174 1,055 1, ,284 1,188 1, ,156 1,038 1, ,307 1,210 1, ,177 1,058 1, ,279 1,184 1, ,151 1,034 1, ,308 1,211 1, ,179 1,059 1, ,512 1,398 1, ,360 1,222 1, ,435 1,327 1,263 1,194 1,105 1,052 1,291 1,160 1,136 1, , ,570 1,453 1,383 1,080 1, ,413 1,270 1, , ,729 1,599 1, ,556 1,397 1, ,287 1,190 1, ,158 1,040 1, ,420 1,314 1, ,278 1,149 1, ,311 1,214 1, ,181 1,061 1, , ,715 1,587 1,511 1, ,544 1,387 1, , ,474 1,363 1,297 1,150 1,064 1,013 1,327 1,190 1, ,110 1, ,688 1,562 1,487 1,288 1,191 1,134 1,519 1,365 1,338 1,103 1,041 1, ,490 1,379 1, ,341 1,206 1, ,342 1,242 1, ,209 1,085 1, ,519 1,406 1, ,368 1,228 1, ,108 1, ,771 1,639 1,560 1,111 1, ,594 1,432 1, , , ,286 1,189 1, ,157 1,039 1, ,283 1,187 1, ,155 1,037 1, ,400 1,295 1, ,260 1,132 1, ,641 1,518 1,445 1, ,478 1,327 1, ,395 1,290 1, ,255 1,127 1, ,562 1,446 1,376 1, ,407 1,263 1, Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 6

449 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/15 R - 7

450 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Part 9 $500 Deductible (Comprehensive) Rating Plan A Comprehensive (Part 9) Class Territory Note: The above rates are applicable to insureds with merit rating code 0. Class 60 through 67 rates are 75% of Class 50 through 57 final rates for all coverages. Effective 06/01/16 R - 7

451 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 8

452 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan A COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 8

453 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 9

454 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan A OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 9

455 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 06/01/15 R - 11

456 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto Rating Plan A Property Damage ILF Part 4 Optional BI ILF Part 5 Limit ILF Limit ILF $5, / $10, / $15, / $25, / $35, / $50, / $100, / / / / / / / / / Effective 06/01/16 R - 11

457 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 18

458 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto COL Model Year Symbol Rating Plan B COL Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 18

459 changed pages 2015.pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/15 R - 19

460 MA PPA Changed Pages pdf SAFETY INSURANCE COMPANY SAFETY INDEMNITY INSURANCE COMPANY SAFETY PROPERTY AND CASUALTY INSURANCE COMPANY MA Private Passenger Auto OTC Model Year Symbol Rating Plan B OTC Model Year Symbol Model Year Symbol & Prior Effective 06/01/16 R - 19

461 changed pages 2015.pdf Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account, renewal, agency loyalty, e-customer, electronic book transfer, age 65 or older) Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply applicable discounts in the order that Rule 11 specifies 6) Apply Merit Rating adjustment The premium for each exposure shall be rounded to the nearest whole dollar at the end of each step. (Rounding should occur after the application of each discount.) Effective 06/01/15 M-12

462 MA PPA Changed Pages pdf Miscellaneous Motorcycle Rating Factors Territories The territory definitions applicable to motorcycles are the same as those used in Rating Plan B for private passenger vehicles (as defined by Rule 27). SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $43 $86 $159 $329 Rating Plan B * $52 $104 $192 $398 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. TOWING AND LABOR (RULE 33) $50 per Disablement $100 per Disablement Rating Plan A * $8 $15 Rating Plan B * $9 $18 * Multiply by the appropriate tier factor and round to obtain the towing and labor rate for that tier. Discounts (Rating Plan A) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, account credit, age 65 and older, renewal credit, agency loyalty, e-customer, electronic book transfer) Maximum Combined Discounts The maximum of all discounts combined shall not exceed 35%, excluding the following allowable discounts: Anti-Theft Discount Account Credit Discount (Safety Account Credit Discount only) Motorcycle Rider Training Program Discounts (Rating Plan B) Motorcycle Rider Training Program 10% Parts 1-8, 12 Those discounts that motorcycles qualify for under Rule 19 (anti-theft, age 65 or older) Merit Rating Plan The determination of merit rating plan credits and point-based surcharges is the same as for private passenger vehicles. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedure. Note that not all of these steps may be applicable for every coverage or policyholder. 1) Determine the base manual rate 2) Apply adjustments for increased limits or deductibles 3) Apply the inexperienced driver adjustment factor of 1.5 4) Add waiver of deductible charges 5) Apply all applicable discounts as specified above (including the Maximum Combined Discounts cap) 6) Apply Merit Rating adjustment Rounding should occur at the end of step 5. Effective 06/01/16 M-12

463 changed pages 2015.pdf Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 10% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 06/01/15 RS-1

464 MA PPA Changed Pages pdf Miscellaneous Rating Factors Collision Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Limited Collision Deductible Factors and Charges Deductible Rating Plan A Rating Plan B 0* $8 $29 300* $5 $ * Flat charge added to $500 deductible rate. Limited Collision Manual Rate Rating Plan A Rating Plan B 11% Collision 6% Collision manual rate manual rate Comprehensive Deductible Factors Deductible Rating Plan A Rating Plan B 0 Not Available Not Available 300** ** Factors are applied to $500 deductible base rate and then tier adjusted to determine buyback charge. Collision Waiver of Deductible Charges Deductible Rating Plan A Rating Plan B 300 $10 $ $13 $ $16 $ $25 $75 $100 Glass Deductible Rating Plan A Rating Plan B Apply the factor to the premium that would apply in the absence of a glass deductible. Effective 06/01/16 RS-1

465 changed pages 2015.pdf Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Hybrid Automobile Discount: 5% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 06/01/15 RS-2

466 MA PPA Changed Pages pdf Miscellaneous Rating Factors (continued) SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum $45/Day, $1,350 Maximum $100/Day, $3,000 Maximum Rating Plan A * $20 $60 $140 $285 Rating Plan B * $50 $150 $185 $335 * Multiply by the appropriate tier factor and round to obtain the substitute transportation rate for that tier. DISCOUNTS (RULE 19) : Rating Plan A Multi-Car: 10% Parts 1, 2, 4, 5, 7, 8 and 9 Account Credit: 5% - 10% Parts 1-12 Renewal Credit: Public Transit: 1% - 4% Parts 1-12 based on # of renewal years with Safety 10% Property Damage and Collision Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Good Student Discount/Away at School: 10% or 20% Parts 1-12 Telematics Discount: 2% Parts 1-12 Agency Loyalty Discount (prior to 01/01/14) 1 st year with Safety - 3% Parts nd year with Safety - 3% Parts 1-12 Subsequent years - 0% Agency Loyalty Discount (on or after 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% e-customer Discount 1% - 7% Parts 1-12 based on years with Safety or years since discount selected, see Rule 19 L. Electronic Book Transfer Discount (prior to 01/01/14) 1 st year with Safety - 7% Parts nd year with Safety - 5% Parts rd year with Safety - 3% Parts th year with Safety - 1% Parts 1-12 Subsequent years - 0% Electronic Book Transfer Discount (on or after 01/01/14) 1 st year with Safety - 11% Parts nd year with Safety - 9% Parts rd year with Safety - 7% Parts th year with Safety - 5% Parts th year with Safety - 2% Parts 1-12 Subsequent years - 0% Age 65 and Older Discount: 25% Parts 1-12 DISCOUNTS (RULE 19): Rating Plan B Multi-Car: 5% Parts 1, 2, 4, 5, 7, 8 and 9 Annual Mileage: 0-5,000 miles - 10% Parts 1-8 and 12 5,001-7,500 miles - 5% Parts 1-8 and 12 Low Frequency Discount: 10% Parts 1,2,4 and 5 Age 65 and Older Discount: 25% Parts 1-12 Effective 06/01/16 RS-2

467 changed pages 2015.pdf HIGH THEFT VEHICLE LIST (Effective 08/01/14) Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2014-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CHEVROLET MDX WAGON 4 DOOR/4x4 13 AVALANCHE C1500 LT SPORT PICKUP/Rear 14 MDX WAGON 4 DOOR/AWD AVALANCHE C1500 LT UTILITY/Rear MDX ADVANCE WAGON 4 DOOR/4x4 13 AVALANCHE K1500 LT SPORT PICKUP/4x4 14 MDX ADVANCE WAGON 4 DOOR/AWD AVALANCHE K1500 LT UTILITY/4x MDX TECH WAGON 4 DOOR/AWD AVALANCHE LS UTILITY/4x TL AWD SEDAN 4 DOOR/AWD AVALANCHE LS UTILITY/Rear 12 TL AWD ADVANCE SEDAN 4 DOOR/AWD AVALANCHE LTZ UTILITY/4x TL AWD TECH SEDAN 4 DOOR/AWD AVALANCHE LTZ UTILITY/Rear 12 C1500 SILVERADO CREW PICKUP/Rear 11 AUDI C1500 SUBURBAN WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS CONVERTIBLE/AWD C1500 SUBURBAN LS WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD C1500 SUBURBAN LT WAGON 4 DOOR/Rear A5 QUATTRO PREMIUM CONVERTIBLE/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear A5 QUATTRO PREMIUM COUPE/AWD CAMARO LT CONVERTIBLE/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD CAMARO LT COUPE/Rear A5 QUATTRO PRESTIGE COUPE/AWD CAMARO SS CONVERTIBLE/Rear Q7 PREMIUM WAGON 4 DOOR/AWD CAMARO SS COUPE/Rear Q7 PREMIUM PLUS WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear 15 Q7 PRESTIGE WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear CAMARO ZL1 COUPE/Rear BMW COLORADO CREW PICKUP/4x I CONVERTIBLE/Rear 14 COLORADO 1LT CREW PICKUP/4x I COUPE/Rear 14 COLORADO 2LT CREW PICKUP/4x I SULEV CONVERTIBLE/Rear 14 CORVETTE CONVERTIBLE/Rear I SULEV COUPE/Rear 14 CORVETTE COUPE/Rear XI COUPE/AWD 14 CORVETTE 1LT CONVERTIBLE/Rear XI SULEV COUPE/AWD 14 CORVETTE 1LT COUPE/Rear I CONVERTIBLE/Rear 14 CORVETTE 1LT Z5I CONVERTIBLE/Rear I COUPE/Rear 14 CORVETTE 1LT Z5I COUPE/Rear I SULEV CONVERTIBLE/Rear 14 CORVETTE 2LT CONVERTIBLE/Rear I SULEV COUPE/Rear 14 CORVETTE 2LT COUPE/Rear XI COUPE/AWD 14 CORVETTE 2LT Z5I CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 2LT Z5I COUPE/Rear D XDRIVE SEDAN 4 DOOR/AWD 15 CORVETTE 3LT CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 3LT COUPE/Rear XI GT HATCHBACK 4 DOOR/AWD CORVETTE 3LT Z5I CONVERTIBLE/Rear I XI GT HATCHBACK 4 DOOR/AWD CORVETTE 3LT Z5I COUPE/Rear XI SEDAN 4 DOOR/AWD CORVETTE 427 CONVERTIBLE/Rear 14 X5 M WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CORVETTE GRAND SPORT COUPE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CORVETTE Z06 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear IMPALA LT SEDAN 4 DOOR/Front 11 BUICK IMPALA LTZ SEDAN 4 DOOR/Front LACROSSE SEDAN 4 DOOR/Front 15 IMPALA POLICE SEDAN 4 DOOR/Front 11 LACROSSE AWD SEDAN 4 DOOR/Front 15 K1500 SILVERADO 4 DOOR EXT CAB PK/4x4 11 LACROSSE PREMIUM SEDAN 4 DOOR/Front 15 K1500 SILVERADO CREW PICKUP/4x4 11 LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD 15 K1500 SILVERADO PICKUP/4x4 11 LACROSSE TOURING SEDAN 4 DOOR/Front 15 K1500 SILVERADO HYBRID CREW PICKUP/4x4 11 LACROSSE W/EASSIST SEDAN 4 DOOR/Front 15 K1500 SUBURBAN WAGON 4 DOOR/4x K1500 SUBURBAN LS WAGON 4 DOOR/4x CADILLAC K1500 SUBURBAN LT WAGON 4 DOOR/4x DTS SEDAN 4 DOOR/Front K1500 SUBURBAN LTZ WAGON 4 DOOR/4x DTS LUXURY COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN WAGON 4 DOOR/4x4 14 DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 ESCALADE WAGON 4 DOOR/AWD SILVERADO C DOOR EXT CAB PK/Rear ESCALADE WAGON 4 DOOR/Rear SILVERADO C1500 CREW PICKUP/Rear ESCALADE ESV WAGON 4 DOOR/AWD SILVERADO C1500 PICKUP/Rear ESCALADE ESV WAGON 4 DOOR/Rear SILVERADO C1500 HIGH COUN CREW PICKUP/Rear 15 ESCALADE ESV LUXURY WAGON 4 DOOR/AWD SILVERADO C1500 HYBRID CREW PICKUP/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD SILVERADO C1500 LS CREW PICKUP/Rear ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD SILVERADO C1500 LT CREW PICKUP/Rear ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear SILVERADO C1500 LT PICKUP/Rear ESCALADE EXT SPORT PICKUP/AWD SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear ESCALADE EXT UTILITY/AWD SILVERADO C1500 LTZ CREW PICKUP/Rear ESCALADE EXT LUXURY SPORT PICKUP/AWD SILVERADO K1500 CREW PICKUP/4x ESCALADE EXT LUXURY UTILITY/AWD SILVERADO K1500 PICKUP/4x ESCALADE EXT PREMIUM SPORT PICKUP/AWD SILVERADO K1500 HIGH COUN CREW PICKUP/4x4 15 ESCALADE EXT PREMIUM UTILITY/AWD SILVERADO K1500 HYBRID CREW PICKUP/4x ESCALADE HYBRID WAGON 4 DOOR/4x4 14 SILVERADO K1500 LS 4 DOOR EXT CAB PK/4x4 11 ESCALADE HYBRID WAGON 4 DOOR/AWD SILVERADO K1500 LS CREW PICKUP/4x ESCALADE HYBRID WAGON 4 DOOR/Rear SILVERADO K1500 LT 4 DOOR EXT CAB PK/4x4 11 ESCALADE LUXURY WAGON 4 DOOR/AWD SILVERADO K1500 LT CREW PICKUP/4x ESCALADE LUXURY WAGON 4 DOOR/Rear SILVERADO K1500 LT PICKUP/4x ESCALADE PLATINUM WAGON 4 DOOR/AWD SILVERADO K1500 LTZ 4 DOOR EXT CAB PK/4x4 11 ESCALADE PLATINUM WAGON 4 DOOR/Rear SILVERADO K1500 LTZ CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 SILVERADO K2500HD CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD SILVERADO K2500HD LT CREW PICKUP/4x ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear SILVERADO K2500HD LT PICKUP/4x4 13 ESCALADE PREMIUM WAGON 4 DOOR/AWD SILVERADO K2500HD LTZ CREW PICKUP/4x ESCALADE PREMIUM WAGON 4 DOOR/Rear SILVERADO K3500 CREW PICKUP/4x SILVERADO K3500 LT CREW PICKUP/4x SILVERADO K3500 LTZ CREW PICKUP/4x Effective 06/01/15 HT-1

468 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Effective 8/1/2015 HIGH THEFT VEHICLE LIST Commonwealth of Massachusetts Division of Insurance Filing Guidance Notice 2015-A Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels ACURA CADILLAC (cont'd) MDX WAGON 4 DOOR/4x4 13 ESCALADE EXT LUXURY SPORT PICKUP/AWD MDX WAGON 4 DOOR/AWD ESCALADE EXT LUXURY UTILITY/AWD 12 MDX ADVANCE WAGON 4 DOOR/4x4 13 ESCALADE EXT PREMIUM SPORT PICKUP/AWD MDX ADVANCE WAGON 4 DOOR/AWD ESCALADE EXT PREMIUM UTILITY/AWD 12 MDX TECH WAGON 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/4x4 14 TL AWD SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/AWD TL AWD ADVANCE SEDAN 4 DOOR/AWD ESCALADE HYBRID WAGON 4 DOOR/Rear TL AWD TECH SEDAN 4 DOOR/AWD ESCALADE LUXURY WAGON 4 DOOR/4x4 16 TLX SEDAN 4 DOOR/Front 16 ESCALADE LUXURY WAGON 4 DOOR/AWD TLX ADVANCE SEDAN 4 DOOR/AWD 16 ESCALADE LUXURY WAGON 4 DOOR/Rear TLX ADVANCE SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/4x4 16 TLX TECH SEDAN 4 DOOR/AWD 16 ESCALADE PLATINUM WAGON 4 DOOR/AWD TLX TECH SEDAN 4 DOOR/Front 16 ESCALADE PLATINUM WAGON 4 DOOR/Rear ESCALADE PLATINUM HYBRID WAGON 4 DOOR/4x4 14 AUDI ESCALADE PLATINUM HYBRID WAGON 4 DOOR/AWD A5 QUATTRO PREM PLUS CONVERTIBLE/AWD ESCALADE PLATINUM HYBRID WAGON 4 DOOR/Rear A5 QUATTRO PREM PLUS COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/4x4 16 A5 QUATTRO PREMIUM CONVERTIBLE/AWD ESCALADE PREMIUM WAGON 4 DOOR/AWD A5 QUATTRO PREMIUM COUPE/AWD ESCALADE PREMIUM WAGON 4 DOOR/Rear A5 QUATTRO PRESTIGE CONVERTIBLE/AWD XTS SEDAN 4 DOOR/Front 16 A5 QUATTRO PRESTIGE COUPE/AWD XTS DELIVERY SEDAN 4 DOOR/Front 16 A7 PREMIUM PLUS QUATT HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/AWD 16 A7 PREMIUM QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS LUXURY SEDAN 4 DOOR/Front 16 A7 PRESTIGE QUATTRO HATCHBACK 4 DOOR/AWD 16 XTS PLATINUM SEDAN 4 DOOR/AWD 16 Q7 PREMIUM WAGON 4 DOOR/AWD XTS PLATINUM SEDAN 4 DOOR/Front 16 Q7 PREMIUM PLUS WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/AWD 16 Q7 PRESTIGE WAGON 4 DOOR/AWD XTS PREMIUM SEDAN 4 DOOR/Front 16 Q7 TDI PREMIUM WAGON 4 DOOR/AWD 16 XTS VSPORT PLATINUM SEDAN 4 DOOR/AWD 16 Q7 TDI PREMIUM PLUS WAGON 4 DOOR/AWD 16 XTS VSPORT PREMIUM SEDAN 4 DOOR/AWD 16 Q7 TDI PRESTIGE WAGON 4 DOOR/AWD 16 CHEVROLET BMW AVALANCHE C1500 LT SPORT PICKUP/Rear I CONVERTIBLE/Rear 14 AVALANCHE C1500 LT UTILITY/Rear I COUPE/Rear 14 AVALANCHE K1500 LT SPORT PICKUP/4x I SULEV CONVERTIBLE/Rear 14 AVALANCHE K1500 LT UTILITY/4x I SULEV COUPE/Rear 14 AVALANCHE LS UTILITY/4x XI COUPE/AWD 14 AVALANCHE LS UTILITY/Rear XI SULEV COUPE/AWD 14 AVALANCHE LTZ UTILITY/4x I CONVERTIBLE/Rear 14 AVALANCHE LTZ UTILITY/Rear I COUPE/Rear 14 C1500 SILVERADO CREW PICKUP/Rear 335I SULEV CONVERTIBLE/Rear 14 C1500 SUBURBAN WAGON 4 DOOR/Rear I SULEV COUPE/Rear 14 C1500 SUBURBAN LS WAGON 4 DOOR/Rear XI COUPE/AWD 14 C1500 SUBURBAN LT WAGON 4 DOOR/Rear XI SEDAN 4 DOOR/AWD C1500 SUBURBAN LTZ WAGON 4 DOOR/Rear D XDRIVE SEDAN 4 DOOR/AWD CAMARO LS COUPE/Rear XI SEDAN 4 DOOR/AWD CAMARO LT CONVERTIBLE/Rear XI GT HATCHBACK 4 DOOR/AWD CAMARO LT COUPE/Rear I XI GT HATCHBACK 4 DOOR/AWD CAMARO SS CONVERTIBLE/Rear XI SEDAN 4 DOOR/AWD CAMARO SS COUPE/Rear X5 M WAGON 4 DOOR/AWD CAMARO Z28 COUPE/Rear X5 XDRIVE35D WAGON 4 DOOR/AWD CAMARO ZL1 CONVERTIBLE/Rear X5 XDRIVE35I WAGON 4 DOOR/AWD CAMARO ZL1 COUPE/Rear X5 XDRIVE50I WAGON 4 DOOR/AWD CORVETTE CONVERTIBLE/Rear CORVETTE COUPE/Rear BUICK CORVETTE 1LT CONVERTIBLE/Rear LACROSSE SEDAN 4 DOOR/Front CORVETTE 1LT COUPE/Rear LACROSSE AWD SEDAN 4 DOOR/Front CORVETTE 1LT Z5I CONVERTIBLE/Rear LACROSSE PREMIUM SEDAN 4 DOOR/Front CORVETTE 1LT Z5I COUPE/Rear LACROSSE PREMIUM AWD SEDAN 4 DOOR/AWD CORVETTE 1LZ Z06 COUPE/Rear 16 LACROSSE TOURING SEDAN 4 DOOR/Front 15 CORVETTE 2LT CONVERTIBLE/Rear LACROSSE W/EASSIST SEDAN 4 DOOR/Front CORVETTE 2LT COUPE/Rear CORVETTE 2LT Z5I CONVERTIBLE/Rear CADILLAC CORVETTE 2LT Z5I COUPE/Rear CTS-V COUPE/Rear 16 CORVETTE 2LZ Z06 CONVERTIBLE/Rear 16 DTS SEDAN 4 DOOR/Front 12 CORVETTE 2LZ Z06 COUPE/Rear 16 DTS LUXURY COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT CONVERTIBLE/Rear DTS PLATINUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT COUPE/Rear DTS PREMIUM COLLECTION SEDAN 4 DOOR/Front 12 CORVETTE 3LT Z5I CONVERTIBLE/Rear ESCALADE WAGON 4 DOOR/4x4 16 CORVETTE 3LT Z5I COUPE/Rear ESCALADE WAGON 4 DOOR/AWD CORVETTE 3LZ Z06 CONVERTIBLE/Rear 16 ESCALADE WAGON 4 DOOR/Rear CORVETTE 3LZ Z06 COUPE/Rear 16 ESCALADE ESV WAGON 4 DOOR/4x4 16 CORVETTE 427 CONVERTIBLE/Rear 14 ESCALADE ESV WAGON 4 DOOR/AWD CORVETTE GRAND SPORT CONVERTIBLE/Rear ESCALADE ESV WAGON 4 DOOR/Rear CORVETTE GRAND SPORT COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/4x4 16 CORVETTE Z06 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/AWD CORVETTE ZR-1 COUPE/Rear ESCALADE ESV LUXURY WAGON 4 DOOR/Rear IMPALA LT SEDAN 4 DOOR/Front 16 ESCALADE ESV PLATINUM WAGON 4 DOOR/4x4 16 IMPALA LTZ SEDAN 4 DOOR/Front ESCALADE ESV PLATINUM WAGON 4 DOOR/AWD K1500 SUBURBAN WAGON 4 DOOR/4x ESCALADE ESV PLATINUM WAGON 4 DOOR/Rear K1500 SUBURBAN LS WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/4x4 16 K1500 SUBURBAN LT WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/AWD K1500 SUBURBAN LTZ WAGON 4 DOOR/4x ESCALADE ESV PREMIUM WAGON 4 DOOR/Rear K2500 SUBURBAN WAGON 4 DOOR/4x4 14 ESCALADE EXT SPORT PICKUP/AWD K2500 SUBURBAN LS WAGON 4 DOOR/4x4 14 ESCALADE EXT UTILITY/AWD 12 K2500 SUBURBAN LT WAGON 4 DOOR/4x4 14 Effective 06/01/16 HT-1 Commonwealth Automobile Reinsurers October 1, 2013 HT-1

469 changed pages 2015.pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) FORD (cont'd) TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION LTD WAGON 4 DOOR/4x TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/4x TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION XLT WAGON 4 DOOR/4x4 11 TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION XLT WAGON 4 DOOR/Rear 11 TAHOE LT WAGON 4 DOOR/4x EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/4x EXPLORER LIMITED WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/Front EXPLORER SPORT WAGON 4 DOOR/4x CHRYSLER EXPLORER XLT WAGON 4 DOOR/4x SEDAN 4 DOOR/AWD 15 F150 4 DOOR EXT CAB PK/4x SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/Rear LIMITED SEDAN 4 DOOR/Rear F150 CREW PICKUP/4x LIMITED AWD SEDAN 4 DOOR/AWD 11 F150 CREW PICKUP/Rear S SEDAN 4 DOOR/AWD F150 PICKUP/4x S SEDAN 4 DOOR/Rear F150 PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x TOURING SEDAN 4 DOOR/Rear 11 F150 SVT RAPTOR CREW PICKUP/4x TOURING AWD SEDAN 4 DOOR/AWD 11 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C SEDAN 4 DOOR/Rear F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear C AWD SEDAN 4 DOOR/AWD F250 SUPER DUTY CREW PICKUP/4x C SRT-8 SEDAN 4 DOOR/Rear F250 SUPER DUTY CREW PICKUP/Rear C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY PICKUP/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY PICKUP/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 DODGE F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F350 SUPER DUTY CREW PICKUP/4x AVENGER SXT SEDAN 4 DOOR/Front F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SRT8 CORE COUPE/Rear 15 FLEX LIMITED WAGON 4 DOOR/AWD CHARGER SEDAN 4 DOOR/AWD 15 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION HYBRID SEDAN 4 DOOR/Front 11 CHARGER AWD SEDAN 4 DOOR/AWD 11 FUSION S SEDAN 4 DOOR/Front CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE HYBRID SEDAN 4 DOOR/Front 15 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION SEL SEDAN 4 DOOR/Front 11 CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION SEL AWD SEDAN 4 DOOR/AWD 11 CHARGER SXT SEDAN 4 DOOR/Rear FUSION SPORT SEDAN 4 DOOR/Front 11 CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION SPORT AWD SEDAN 4 DOOR/AWD 11 CHARGER V6 SEDAN 4 DOOR/AWD 14 FUSION TITANIUM SEDAN 4 DOOR/Front DURANGO CITADEL WAGON 4 DOOR/Rear 15 FUSION TITANIUM AWD SEDAN 4 DOOR/AWD DURANGO CREW WAGON 4 DOOR/Rear 15 FUSION TITANIUM HYBRID 15 DURANGO R/T WAGON 4 DOOR/Rear 15 FUSION TITANIUM PHEV SEDAN 4 DOOR/Front NITRO DETONATOR WAGON 4 DOOR/4x4 12 MUSTANG CONVERTIBLE/Rear NITRO SHOCK WAGON 4 DOOR/4x4 12 MUSTANG COUPE/Rear NITRO SXT WAGON 4 DOOR/AWD 11 MUSTANG BOSS 302 COUPE/Rear 14 RAM 1500 CREW PICKUP/4x4 12 MUSTANG GT CONVERTIBLE/Rear RAM 1500 CREW PICKUP/Rear 12 MUSTANG GT COUPE/Rear RAM 1500 PICKUP/4x4 12 MUSTANG SHELBY GT500 CONVERTIBLE/Rear RAM 1500 PICKUP/Rear 12 MUSTANG SHELBY GT500 COUPE/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 TAURUS SHO SEDAN 4 DOOR/AWD 11 RAM 1500 QUAD CREW PICKUP/Rear 12 RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 GMC RAM 1500 SLT CREW PICKUP/4x4 13 SIERRA C DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SIERRA C1500 CREW PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SIERRA C1500 PICKUP/Rear 12 RAM 1500 ST CREW PICKUP/4x4 13 SIERRA C1500 DENALI CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SIERRA C1500 HYBRID CREW PICKUP/Rear RAM 2500 CREW PICKUP/4x SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear RAM 2500 CREW PICKUP/Rear 12 SIERRA C1500 SL CREW PICKUP/Rear RAM 2500 PICKUP/4x4 12 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear RAM 2500 PICKUP/Rear 12 SIERRA C1500 SLE CREW PICKUP/Rear RAM 2500 MEGA CAB CREW PICKUP/4x SIERRA C1500 SLE PICKUP/Rear RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear RAM 3500 CREW PICKUP/4x SIERRA C1500 SLT CREW PICKUP/Rear RAM 3500 CREW PICKUP/Rear 12 SIERRA K DOOR EXT CAB PK/4x RAM 3500 PICKUP/4x4 12 SIERRA K1500 CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SIERRA K1500 PICKUP/4x4 12 RAM 3500 MEGA CAB CREW PICKUP/4x SIERRA K1500 DENALI CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SIERRA K1500 HYBRID CREW PICKUP/4x SIERRA K1500 SL CREW PICKUP/4x FORD SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x EXPEDITION EDDIE BAUER WAGON 4 DOOR/4x4 11 SIERRA K1500 SLE CREW PICKUP/4x EXPEDITION EDDIE BAUER WAGON 4 DOOR/Rear 11 SIERRA K1500 SLE PICKUP/4x4 12 EXPEDITION EL EDDIE BAUER WAGON 4 DOOR/4x4 11 SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x EXPEDITION EL EDDIE BAUER WAGON 4 DOOR/Rear 11 SIERRA K1500 SLT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/4x SIERRA K2500 CREW PICKUP/4x4 11 EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x EXPEDITION EL XL WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x EXPEDITION EL XL WAGON 4 DOOR/Rear SIERRA K2500 SLE CREW PICKUP/4x EXPEDITION EL XLT WAGON 4 DOOR/4x4 11 SIERRA K2500 SLT CREW PICKUP/4x EXPEDITION EL XLT WAGON 4 DOOR/Rear 11 Effective 06/01/15 HT-2

470 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels CHEVROLET(cont'd) DODGE (cont'd) SILVERADO C DOOR EXT CAB PK/Rear RAM 1500 CREW PICKUP/4x4 12 SILVERADO C1500 CREW PICKUP/Rear RAM 1500 CREW PICKUP/Rear 12 SILVERADO C1500 PICKUP/Rear RAM 1500 PICKUP/4x4 12 SILVERADO C1500 HIGH COUN CREW PICKUP/Rear RAM 1500 PICKUP/Rear 12 SILVERADO C1500 HYBRID CREW PICKUP/Rear RAM 1500 QUAD CREW PICKUP/4x4 12 SILVERADO C1500 LS 4 DOOR EXT CAB PK/Rear RAM 1500 QUAD CREW PICKUP/Rear 12 SILVERADO C1500 LS CREW PICKUP/Rear RAM 1500 SLT 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LT 4 DOOR EXT CAB PK/Rear RAM 1500 SLT CREW PICKUP/4x4 13 SILVERADO C1500 LT CREW PICKUP/Rear RAM 1500 SLT CREW PICKUP/Rear 13 SILVERADO C1500 LT PICKUP/Rear RAM 1500 ST 4 DOOR EXT CAB PK/Rear 13 SILVERADO C1500 LTZ 4 DOOR EXT CAB PK/Rear RAM 1500 ST CREW PICKUP/4x4 13 SILVERADO C1500 LTZ CREW PICKUP/Rear RAM 1500 ST CREW PICKUP/Rear 13 SILVERADO K1500 CREW PICKUP/4x RAM 2500 CREW PICKUP/4x4 12 SILVERADO K1500 PICKUP/4x RAM 2500 CREW PICKUP/Rear 12 SILVERADO K1500 HIGH COUN CREW PICKUP/4x RAM 2500 PICKUP/4x4 12 SILVERADO K1500 HYBRID CREW PICKUP/4x RAM 2500 PICKUP/Rear 12 SILVERADO K1500 LS CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K1500 LT CREW PICKUP/4x RAM 2500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K1500 LT PICKUP/4x RAM 3500 CREW PICKUP/4x4 12 SILVERADO K1500 LTZ CREW PICKUP/4x RAM 3500 CREW PICKUP/Rear 12 SILVERADO K2500 HIGH COUN CREW PICKUP/4x4 16 RAM 3500 PICKUP/4x4 12 SILVERADO K2500HD CREW PICKUP/4x RAM 3500 PICKUP/Rear 12 SILVERADO K2500HD LT CREW PICKUP/4x RAM 3500 MEGA CAB CREW PICKUP/4x4 12 SILVERADO K2500HD LT PICKUP/4x4 13 RAM 3500 MEGA CAB CREW PICKUP/Rear 12 SILVERADO K2500HD LTZ CREW PICKUP/4x SILVERADO K3500 CREW PICKUP/4x FORD SILVERADO K3500 HIGH COUN CREW PICKUP/4x4 16 EXPEDITION EL LIMITED WAGON 4 DOOR/4x SILVERADO K3500 LT CREW PICKUP/4x EXPEDITION EL LIMITED WAGON 4 DOOR/Rear SILVERADO K3500 LTZ CREW PICKUP/4x EXPEDITION EL PLATINUM WAGON 4 DOOR/4x4 16 TAHOE C1500 WAGON 4 DOOR/Rear EXPEDITION EL PLATINUM WAGON 4 DOOR/Rear 16 TAHOE C1500 HYBRID WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/4x TAHOE C1500 LS WAGON 4 DOOR/Rear EXPEDITION EL XL WAGON 4 DOOR/Rear TAHOE C1500 POLICE WAGON 4 DOOR/Rear EXPEDITION EL XLT/KING RA WAGON 4 DOOR/4x TAHOE K1500 WAGON 4 DOOR/4x EXPEDITION EL XLT/KING RA WAGON 4 DOOR/Rear TAHOE K1500 HYBRID WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/4x TAHOE K1500 LS WAGON 4 DOOR/4x EXPEDITION LTD WAGON 4 DOOR/Rear TAHOE K1500 SPEC SRVC WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/4x4 16 TAHOE LT WAGON 4 DOOR/4x EXPEDITION PLATINUM WAGON 4 DOOR/Rear 16 TAHOE LT WAGON 4 DOOR/Rear EXPEDITION XL WAGON 4 DOOR/4x TAHOE LTZ WAGON 4 DOOR/4x EXPEDITION XL WAGON 4 DOOR/Rear TAHOE LTZ WAGON 4 DOOR/Rear EXPEDITION XLT/KING RANCH WAGON 4 DOOR/4x TAHOE POLICE WAGON 4 DOOR/4x4 16 EXPEDITION XLT/KING RANCH WAGON 4 DOOR/Rear EXPLORER LIMITED WAGON 4 DOOR/4x CHRYSLER EXPLORER LIMITED WAGON 4 DOOR/Front SEDAN 4 DOOR/AWD 15 EXPLORER SPORT WAGON 4 DOOR/4x SEDAN 4 DOOR/Rear EXPLORER XLT WAGON 4 DOOR/4x LIMITED SEDAN 4 DOOR/Rear F150 4 DOOR EXT CAB PK/4x LIMITED AWD SEDAN 4 DOOR/AWD 16 F150 4 DOOR EXT CAB PK/Rear S SEDAN 4 DOOR/AWD F150 CREW PICKUP/4x S SEDAN 4 DOOR/Rear F150 CREW PICKUP/Rear SRT8 CORE SEDAN 4 DOOR/Rear 15 F150 PICKUP/4x C SEDAN 4 DOOR/Rear F150 PICKUP/Rear C AWD SEDAN 4 DOOR/AWD F150 SUPER CAB 4 DOOR EXT CAB PK/4x C PLATINUM SEDAN 4 DOOR/Rear 16 F150 SUPER CAB 4 DOOR EXT CAB PK/Rear C PLATINUM AWD SEDAN 4 DOOR/AWD 16 F150 SVT RAPTOR 4 DOOR EXT CAB PK/4x C SRT-8 SEDAN 4 DOOR/Rear F150 SVT RAPTOR CREW PICKUP/4x C VARVATOS SEDAN 4 DOOR/AWD 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/4x C VARVATOS SEDAN 4 DOOR/Rear 15 F250 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 F250 SUPER DUTY CREW PICKUP/4x DODGE F250 SUPER DUTY CREW PICKUP/Rear 12 AVENGER R/T SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/4x4 12 AVENGER SXT SEDAN 4 DOOR/Front F250 SUPER DUTY PICKUP/Rear 12 CHALLENGER R/T COUPE/Rear 12 F350 SUPER DUTY 4 DOOR EXT CAB PK/4x4 12 CHALLENGER SCAT PACK COUPE/Rear 16 F350 SUPER DUTY 4 DOOR EXT CAB PK/Rear 12 CHALLENGER SRT 392 COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/4x CHALLENGER SRT HELLCAT COUPE/Rear 16 F350 SUPER DUTY CREW PICKUP/Rear 12 CHALLENGER SRT-8 COUPE/Rear F350 SUPER DUTY PICKUP/4x4 12 CHALLENGER SRT8 CORE COUPE/Rear 15 F350 SUPER DUTY PICKUP/Rear 12 CHALLENGER SXT COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/AWD CHALLENGER SXT PLUS COUPE/Rear 16 FLEX LIMITED WAGON 4 DOOR/Front CHARGER SEDAN 4 DOOR/AWD FUSION S SEDAN 4 DOOR/Front CHARGER SEDAN 4 DOOR/Rear FUSION S HYBRID SEDAN 4 DOOR/Front 16 CHARGER POLICE SEDAN 4 DOOR/Rear FUSION SE SEDAN 4 DOOR/Front CHARGER R/T SEDAN 4 DOOR/Rear FUSION SE AWD SEDAN 4 DOOR/AWD 16 CHARGER R/T AWD SEDAN 4 DOOR/AWD FUSION SE HYBRID SEDAN 4 DOOR/Front CHARGER SRT HELLCAT SEDAN 4 DOOR/Rear 16 FUSION SE PHEV SEDAN 4 DOOR/Front CHARGER SRT-8 SEDAN 4 DOOR/Rear FUSION TITANIUM SEDAN 4 DOOR/Front CHARGER SUPER BEE SEDAN 4 DOOR/Rear FUSION TITANIUM AWD SEDAN 4 DOOR/AWD CHARGER SXT SEDAN 4 DOOR/Rear FUSION TITANIUM HYBRID SEDAN 4 DOOR/Front CHARGER SXT AWD SEDAN 4 DOOR/AWD FUSION TITANIUM PHEV SEDAN 4 DOOR/Front CHARGER V6 SEDAN 4 DOOR/AWD 14 MUSTANG CONVERTIBLE/Rear DURANGO CITADEL WAGON 4 DOOR/AWD 16 MUSTANG COUPE/Rear DURANGO CITADEL WAGON 4 DOOR/Rear MUSTANG BOSS 302 COUPE/Rear 14 DURANGO CREW WAGON 4 DOOR/Rear 15 MUSTANG GT CONVERTIBLE/Rear DURANGO LIMITED WAGON 4 DOOR/AWD 16 MUSTANG GT COUPE/Rear DURANGO LIMITED WAGON 4 DOOR/Rear 16 MUSTANG SHELBY GT500 CONVERTIBLE/Rear DURANGO R/T WAGON 4 DOOR/AWD 16 MUSTANG SHELBY GT500 COUPE/Rear DURANGO R/T WAGON 4 DOOR/Rear NITRO DETONATOR WAGON 4 DOOR/4x4 12 GMC NITRO SHOCK WAGON 4 DOOR/4x4 12 SIERRA C DOOR EXT CAB PK/Rear SIERRA C1500 CREW PICKUP/Rear Effective 06/01/16 HT-2 Commonwealth Automobile Reinsurers October 1, 2013 HT-2

471 changed pages 2015.pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) JEEP (cont'd) YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/Rear YUKON DENALI XL WAGON 4 DOOR/AWD KIA YUKON DENALI XL WAGON 4 DOOR/Rear OPTIMA EX/SX SEDAN 4 DOOR/Front 11 YUKON HYBRID WAGON 4 DOOR/4x OPTIMA LX SEDAN 4 DOOR/Front 11 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x4 15 YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x4 15 YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x4 15 YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x4 15 YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front 15 RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front 15 RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front 15 ACCORD HYBRID EXL SEDAN 4 DOOR/Front 15 LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front 15 GS 350 SEDAN 4 DOOR/Rear ACCORD LX COUPE/Front GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front 15 GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front 15 IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front 15 IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 11 CROSSTOUR EX WAGON 4 DOOR/Front CROSSTOUR EX-L WAGON 4 DOOR/AWD LINCOLN CROSSTOUR EX-L WAGON 4 DOOR/Front MKS SEDAN 4 DOOR/Front FIT HATCHBACK 4 Door/Front MKS AWD SEDAN 4 DOOR/AWD FIT SPORT HATCHBACK 4 Door/Front MKX AWD WAGON 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT EXLN WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RT PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTL PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/Rear RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR L WAGON 4 DOOR/4x NAVIGATOR L WAGON 4 DOOR/Rear HYUNDAI GENESIS COUPE 2.0T COUPE/Rear 15 MAZDA GENESIS COUPE 3.8L COUPE/Rear 15 MAZDASPEED3 HATCHBACK 4 Door/Front 11 INFINITI MERCEDES-BENZ FX35 WAGON 4 DOOR/AWD 13 C250 COUPE/Rear 15 G37 AWD COUPE/AWD C350 COUPE/Rear 15 G37 AWD SEDAN 4 DOOR/AWD 14 C350 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear C63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear CL550 4MATIC COUPE/AWD 15 G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 CL63 AMG COUPE/Rear 15 M35 SEDAN/SPORT AWD SEDAN 4 DOOR/AWD 11 CL65 AMG COUPE/Rear 15 CLS550 COUPE 4 DOOR/Rear JAGUAR CLS63 AMG COUPE 4 DOOR/Rear XF SEDAN 4 DOOR/Rear E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD 15 XF PORTFOLIO SEDAN 4 DOOR/Rear 13 E350 CONVERTIBLE/Rear 15 XF PREMIUM SEDAN 4 DOOR/Rear 12 E350 COUPE/Rear 15 XF R SEDAN 4 DOOR/Rear E3504M AWD COUPE/AWD 15 XF RS SEDAN 4 DOOR/Rear 15 E3504M AWD SEDAN 4 DOOR/AWD 15 XF SUPERCHARGED SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD 15 E550 CONVERTIBLE/Rear 15 JEEP E550 COUPE/Rear 15 COMMANDER LIMITED WAGON 4 DOOR/4x4 11 E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 COMMANDER LIMITED WAGON 4 DOOR/Rear 11 E63 AMG SEDAN 4 DOOR/AWD 15 COMMANDER SPORT WAGON 4 DOOR/4x4 11 E63 AMG STATION WAGON/AWD 15 COMMANDER SPORT WAGON 4 DOOR/Rear 11 GL350 BLUETEC WAGON 4 DOOR/AWD GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x GL450 4MATIC WAGON 4 DOOR/AWD GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear GL550 4MATIC WAGON 4 DOOR/AWD GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x ML350 WAGON 4 DOOR/AWD 15 GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear ML350 BLUETEC WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x ML350 4 MATIC WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x4 15 ML63 AMG WAGON 4 DOOR/AWD 15 GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear 15 S CLASS S65AMG SEDAN 4 DOOR/Rear Effective 06/01/15 HT-3

472 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE PASSENGER GROUP MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels GMC (cont'd) INFINITI (cont'd) SIERRA C1500 PICKUP/Rear 12 SIERRA C1500 DENALI CREW PICKUP/Rear G37/JOURNEY/SPORT SEDAN 4 DOOR/ Rear 14 SIERRA C1500 HYBRID CREW PICKUP/Rear QX50 STATION WAGON/AWD 16 SIERRA C1500 SL 4 DOOR EXT CAB PK/Rear QX60 WAGON 4 DOOR/AWD 16 SIERRA C1500 SL CREW PICKUP/Rear QX60 HYBRID WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE 4 DOOR EXT CAB PK/Rear QX70 WAGON 4 DOOR/AWD 16 SIERRA C1500 SLE CREW PICKUP/Rear QX80 WAGON 4 DOOR/4x4 16 SIERRA C1500 SLE PICKUP/Rear SIERRA C1500 SLT 4 DOOR EXT CAB PK/Rear JAGUAR SIERRA C1500 SLT CREW PICKUP/Rear XF SEDAN 4 DOOR/Rear SIERRA K DOOR EXT CAB PK/4x XF PORTFOLIO SEDAN 4 DOOR/Rear 13 SIERRA K1500 CREW PICKUP/4x XF PREMIUM SEDAN 4 DOOR/Rear 12 SIERRA K1500 PICKUP/4x4 12 XF R SEDAN 4 DOOR/Rear SIERRA K1500 DENALI CREW PICKUP/4x XF RS SEDAN 4 DOOR/Rear SIERRA K1500 HYBRID CREW PICKUP/4x XF SUPERCHARGED SEDAN 4 DOOR/Rear SIERRA K1500 SL CREW PICKUP/4x SIERRA K1500 SLE 4 DOOR EXT CAB PK/4x JEEP SIERRA K1500 SLE CREW PICKUP/4x GRAND CHEROKEE LIMITED WAGON 4 DOOR/4x SIERRA K1500 SLE PICKUP/4x4 12 GRAND CHEROKEE LIMITED WAGON 4 DOOR/Rear SIERRA K1500 SLT 4 DOOR EXT CAB PK/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/4x SIERRA K1500 SLT CREW PICKUP/4x GRAND CHEROKEE OVERLAND WAGON 4 DOOR/Rear SIERRA K2500 DENALI CREW PICKUP/4x GRAND CHEROKEE SRT-8 WAGON 4 DOOR/4x SIERRA K2500 HD CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/4x SIERRA K2500 SLE CREW PICKUP/4x GRAND CHEROKEE SUMMIT WAGON 4 DOOR/Rear SIERRA K2500 SLT CREW PICKUP/4x LIBERTY JET WAGON 4 DOOR/4x4 13 YUKON WAGON 4 DOOR/4x LIBERTY JET WAGON 4 DOOR/Rear 13 YUKON WAGON 4 DOOR/Rear 15 LIBERTY LIMITED WAGON 4 DOOR/4x4 13 YUKON DENALI WAGON 4 DOOR/AWD LIBERTY LIMITED WAGON 4 DOOR/Rear 13 YUKON DENALI WAGON 4 DOOR/Rear LIBERTY SPORT WAGON 4 DOOR/4x4 13 YUKON DENALI HYBRID WAGON 4 DOOR/4x4 14 LIBERTY SPORT WAGON 4 DOOR/Rear 13 YUKON DENALI HYBRID WAGON 4 DOOR/AWD WRANGLER RUBICON WAGON 2 DOOR/4x4 16 YUKON DENALI HYBRID WAGON 4 DOOR/Rear WRANGLER SAHARA WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/4x4 16 WRANGLER SPORT WAGON 2 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/AWD WRANGLER UNLIMITED SAHARA WAGON 4 DOOR/4x4 16 YUKON DENALI XL WAGON 4 DOOR/Rear WRANGLER UNLIMITED SPORT WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/4x WRANGLER UNLIMTED RUBICON WAGON 4 DOOR/4x4 16 YUKON HYBRID WAGON 4 DOOR/Rear YUKON SLE WAGON 4 DOOR/4x LAND ROVER YUKON SLE WAGON 4 DOOR/Rear LR4 WAGON 4 DOOR/4x YUKON SLT WAGON 4 DOOR/4x RANGE ROVER AUTOBIOGRAPHY WAGON 4 DOOR/AWD 12 YUKON SLT WAGON 4 DOOR/Rear RANGE ROVER HSE WAGON 4 DOOR/AWD 12 YUKON XL C1500 WAGON 4 DOOR/Rear RANGE ROVER HSE LUXURY WAGON 4 DOOR/AWD 12 YUKON XL C1500 SLE WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/4x YUKON XL C1500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT AUTOBIO WAGON 4 DOOR/AWD 12 YUKON XL C2500 SLT WAGON 4 DOOR/Rear RANGE ROVER SPORT HSE WAGON 4 DOOR/4x YUKON XL K1500 WAGON 4 DOOR/4x RANGE ROVER SPORT HSE WAGON 4 DOOR/AWD YUKON XL K1500 SLE WAGON 4 DOOR/4x RANGE ROVER SPORT LUX WAGON 4 DOOR/AWD YUKON XL K1500 SLT WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/4x YUKON XL K2500 WAGON 4 DOOR/4x RANGE ROVER SPORT SC WAGON 4 DOOR/AWD YUKON XL K2500 SLE WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 2 DOOR/AWD 14 YUKON XL K2500 SLT WAGON 4 DOOR/4x RANGE RVR EVOQUE DYN PREM WAGON 4 DOOR/AWD 14 RANGE RVR EVOQUE PRE PREM WAGON 4 DOOR/AWD 14 HONDA RANGE RVR EVOQUE PURE WAGON 4 DOOR/AWD 14 ACCORD EX COUPE/Front RANGE RVR EVOQUE PURE PLU WAGON 2 DOOR/AWD 14 ACCORD EX SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PLU WAGON 4 DOOR/AWD 14 ACCORD EX-L COUPE/Front RANGE RVR EVOQUE PURE PRE WAGON 2 DOOR/AWD 14 ACCORD EX-L SEDAN 4 DOOR/Front RANGE RVR EVOQUE PURE PRE WAGON 4 DOOR/AWD 14 ACCORD HYBRID SEDAN 4 DOOR/Front ACCORD HYBRID EXL SEDAN 4 DOOR/Front LEXUS ACCORD HYBRID TOURING SEDAN 4 DOOR/Front GS 350 SEDAN 4 DOOR/Rear 12 ACCORD LX COUPE/Front 13 GS 350 AWD SEDAN 4 DOOR/AWD ACCORD LX SEDAN 4 DOOR/Front GX 460 WAGON 4 DOOR/AWD ACCORD LX-S COUPE/Front GX 460 PREMIUM WAGON 4 DOOR/AWD ACCORD SPORT SEDAN 4 DOOR/Front IS 250 CONVERTIBLE/Rear ACCORD TOURING SEDAN 4 DOOR/Front IS 250 SEDAN 4 DOOR/Rear CIVIC SI COUPE/Front IS 250 AWD SEDAN 4 DOOR/AWD CIVIC SI SEDAN 4 DOOR/Front RX 350 WAGON 4 DOOR/AWD 16 CROSSTOUR EX WAGON 4 DOOR/Front RX 450H WAGON 4 DOOR/AWD 16 CROSSTOUR EX-L WAGON 4 DOOR/AWD CROSSTOUR EX-L WAGON 4 DOOR/Front LINCOLN FIT HATCHBACK 4 Door/Front 13 MKS SEDAN 4 DOOR/Front FIT SPORT HATCHBACK 4 Door/Front 13 MKS AWD SEDAN 4 DOOR/AWD PILOT EXL WAGON 4 DOOR/AWD 13 MKX AWD WAGON 4 DOOR/AWD PILOT EXLN WAGON 4 DOOR/AWD 13 MKX FWD WAGON 4 DOOR/Front PILOT TOURING WAGON 4 DOOR/AWD 13 MKZ SEDAN 4 DOOR/Front RIDGELINE RT PICKUP/4x MKZ AWD SEDAN 4 DOOR/AWD RIDGELINE RTL PICKUP/4x MKZ HYBRID SEDAN 4 DOOR/Front RIDGELINE RTS PICKUP/4x NAVIGATOR WAGON 4 DOOR/4x4 12 RIDGELINE SPORT PICKUP/4x4 13 NAVIGATOR WAGON 4 DOOR/Rear 12 NAVIGATOR L WAGON 4 DOOR/4x4 12 HYUNDAI NAVIGATOR L WAGON 4 DOOR/Rear 12 GENESIS COUPE 2.0T COUPE/Rear 15 GENESIS COUPE 3.8L COUPE/Rear MERCEDES-BENZ C250 COUPE/Rear INFINITI C350 COUPE/Rear FX35 WAGON 4 DOOR/AWD 13 C350 4MATIC COUPE/AWD G37 AWD COUPE/AWD 12 C63 AMG COUPE/Rear G37 AWD SEDAN 4 DOOR/AWD 14 CL550 4MATIC COUPE/AWD 15 G37 BASE/SPORT CONVERTIBLE/Rear 12 CL63 AMG COUPE/Rear 15 G37 BASE/SPORT COUPE/Rear 12 CL65 AMG COUPE/Rear 15 Effective 06/01/16 HT-3 Commonwealth Automobile Reinsurers October 1, 2013 HT-3

473 changed pages 2015.pdf Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) SUBARU S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S550 4MATIC SEDAN 4 DOOR/AWD IMPREZA WRX STI STATION WAGON/AWD S600 SEDAN 4 DOOR/Rear S63 AMG SEDAN 4 DOOR/Rear SUZUKI GRAND VITARA WAGON 4 DOOR/Rear 11 MITSUBISHI GRAND VITARA JLX/LTD WAGON 4 DOOR/4x4 11 ECLIPSE SPYDER GS CONVERTIBLE/Front GRAND VITARA JLX/LTD WAGON 4 DOOR/Rear 11 ECLIPSE SPYDER GT CONVERTIBLE/Front GRAND VITARA PREMIUM WAGON 4 DOOR/4x4 11 LANCER DE SEDAN 4 DOOR/Front 13 GRAND VITARA PREMIUM WAGON 4 DOOR/Rear 11 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 GRAND VITARA X-SPORT WAGON 4 DOOR/AWD 11 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 GRAND VITARA X-SPORT WAGON 4 DOOR/Rear 11 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 TOYOTA LANCER GTS SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER SE SEDAN 4 DOOR/Front 13 AVALON XL/XLS/LIMIT SEDAN 4 DOOR/Front 11 AVALON/LIMITED SEDAN 4 DOOR/Front 12 NISSAN CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front Z CONVERTIBLE/Rear 13 CAMRY SE/XLE SEDAN 4 DOOR/Front Z COUPE/Rear 13 FJ CRUISER WAGON 4 DOOR/4x ALTIMA 2.5 S COUPE/Front 14 FJ CRUISER WAGON 4 DOOR/Rear ARMADA PLATINUM WAGON 4 DOOR/4x4 11 HIGHLANDER WAGON 4 DOOR/AWD 11 ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER WAGON 4 DOOR/Front 11 ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 ARMADA SE/TITANIUM WAGON 4 DOOR/4x HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD 15 ARMADA SE/TITANIUM WAGON 4 DOOR/Rear 11 HIGHLANDER LIMITED WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD 15 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear HIGHLANDER SE WAGON 4 DOOR/AWD 11 FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x4 15 HIGHLANDER SE WAGON 4 DOOR/Front 11 FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 HIGHLANDER SPORT WAGON 4 DOOR/AWD 11 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x4 15 HIGHLANDER SPORT WAGON 4 DOOR/Front 11 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 HIGHLANDER XLE WAGON 4 DOOR/AWD 15 FRONTIER SV/SL CREW PICKUP/4x4 15 HIGHLANDER/HYBRID WAGON 4 DOOR/AWD FRONTIER SV/SL CREW PICKUP/Rear 15 HIGHLANDER/SE WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front HIGHLANDER/SE WAGON 4 DOOR/Front PATHFINDER LE WAGON 4 DOOR/AWD 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD 15 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 SCION TC HATCHBACK 2 Door/Front PATHFINDER S/LE/SE WAGON 4 DOOR/Rear SCION XB WAGON 4 DOOR/Front PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 SEQUOIA LIMITED WAGON 4 DOOR/AWD TITAN S/SV/SL/PRO-4X CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 TITAN SV CREW PICKUP/4x SEQUOIA SR5 WAGON 4 DOOR/AWD TITAN SV CREW PICKUP/Rear 12 TACOMA PICKUP/4x4 13 TITAN XE/SE/LE CREW PICKUP/Rear 11 TACOMA PICKUP/Rear 13 TITAN XE/SE/LE/PRO-4X CREW PICKUP/4x4 11 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PORSCHE TACOMA DOUBLECAB CREW PICKUP/4x CAYENNE WAGON 4 DOOR/AWD TACOMA DOUBLECAB CREW PICKUP/Rear CAYENNE DIESEL 15 TACOMA DOUBLECAB LG BD CREW PICKUP/4x CAYENNEGTS 15 TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 CAYENNE S WAGON 4 DOOR/AWD TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 CAYENNE S HYBRID WAGON 4 DOOR/AWD TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 CAYENNE TURBO WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX LIMITED CREW PICKUP/Rear PANAMERA GTS SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX PLATNUM CREW PICKUP/4x4 15 PANAMERA S HYBRID SEDAN 4 DOOR/Rear 15 TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear 15 TUNDRA CREWMAX SR5 CREW PICKUP/4x PANAMERA TURBO SEDAN 4 DOOR/AWD 15 TUNDRA CREWMAX SR5 CREW PICKUP/Rear PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD 15 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x PANAMERA/4 SEDAN 4 DOOR/Rear 15 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x4 15 RAM TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear 15 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/4x VENZA WAGON 4 DOOR/AWD 12 RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear VENZA WAGON 4 DOOR/Front 12 RAM TRUCK 1500 SLT CREW PICKUP/4x VENZA LE/XLE WAGON 4 DOOR/AWD RAM TRUCK 1500 SLT CREW PICKUP/Rear VENZA LE/XLE WAGON 4 DOOR/Front RAM TRUCK 1500 SLT PICKUP/4x4 14 VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD RAM TRUCK 1500 SPORT CREW PICKUP/4x VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front RAM TRUCK 1500 SPORT CREW PICKUP/Rear RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 VOLKSWAGEN RAM TRUCK 1500 ST CREW PICKUP/4x TOUAREG HYBRID WAGON 4 DOOR/AWD 15 RAM TRUCK 1500 ST CREW PICKUP/Rear RAM TRUCK 2500 LARAMIE CREW PICKUP/4x4 15 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x4 15 RAM TRUCK 2500 SLT CREW PICKUP/4x4 15 RAM TRUCK 2500 ST CREW PICKUP/4x4 15 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x4 15 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x4 15 RAM TRUCK 3500 SLT CREW PICKUP/4x4 15 RAM TRUCK 3500 ST CREW PICKUP/4x4 15 Effective 06/01/15 HT-4

474 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE GROUP PASSENGER MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL Make/Series/Body Style/Driving Wheels Make/Series/Body Style/Driving Wheels MERCEDES-BENZ (cont'd) PORSCHE (cont'd) CLS 400 4MATIC SEDAN 4 DOOR/Rear 16 CAYENNEGTS WAGON 4 DOOR/AWD 15 CLS CLASS 400 SEDAN 4 DOOR/AWD 16 CAYENNE S WAGON 4 DOOR/AWD CLS550 COUPE 4 DOOR/Rear 12 CAYENNE S HYBRID WAGON 4 DOOR/AWD CLS550 SEDAN 4 DOOR/Rear 16 CAYENNE TURBO WAGON 4 DOOR/AWD CLS550 4MATIC SEDAN 4 DOOR/AWD 16 PANAMERA 4S EXECUTIVE SEDAN 4 DOOR/AWD CLS63 AMG COUPE 4 DOOR/Rear 12 PANAMERA GTS SEDAN 4 DOOR/AWD E 250 BLUETEC 4MATIC SEDAN 4 DOOR/AWD PANAMERA S HYBRID SEDAN 4 DOOR/Rear E350 CONVERTIBLE/Rear 15 PANAMERA S/4S SEDAN 4 DOOR/Rear E350 COUPE/Rear 15 PANAMERA TURBO SEDAN 4 DOOR/AWD E3504M AWD COUPE/AWD 15 PANAMERA TURBO EXECUTIVE SEDAN 4 DOOR/AWD E3504M AWD SEDAN 4 DOOR/AWD PANAMERA/4 SEDAN 4 DOOR/Rear E3504M WAGON AWD STATION WAGON/AWD E400 CONVERTIBLE/Rear 16 RAM E400 COUPE/Rear 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/4x E400 4MATIC COUPE/AWD 16 RAM TRUCK 1500 LARAMIE CREW PICKUP/Rear E400 4MATIC SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 LONGHORN CREW PICKUP/4x E550 CONVERTIBLE/Rear RAM TRUCK 1500 LONGHORN CREW PICKUP/Rear E550 COUPE/Rear RAM TRUCK 1500 SLT CREW PICKUP/4x E550 4MATIC AWD SEDAN 4 DOOR/AWD 15 RAM TRUCK 1500 SLT CREW PICKUP/Rear E63 AMG SEDAN 4 DOOR/AWD RAM TRUCK 1500 SLT PICKUP/4x4 14 E63 AMG STATION WAGON/AWD 15 RAM TRUCK 1500 SPORT CREW PICKUP/4x E63 AMG-S SEDAN 4 DOOR/AWD 16 RAM TRUCK 1500 SPORT CREW PICKUP/Rear E63 AMG-S STATION WAGON/AWD 16 RAM TRUCK 1500 SSV CREW PICKUP/4x4 15 GL350 BLUETEC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/4x GL450 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 1500 ST CREW PICKUP/Rear GL550 4MATIC WAGON 4 DOOR/AWD RAM TRUCK 2500 LARAMIE CREW PICKUP/4x GL63 AMG WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 LONGHORN CREW PICKUP/4x GLA250 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 POWERWAGON CREW PICKUP/4x4 16 GLA-45 AMG STATION WAGON/AWD 16 RAM TRUCK 2500 SLT CREW PICKUP/4x GLK250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 2500 ST CREW PICKUP/4x GLK350 4MATIC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LARAMIE CREW PICKUP/4x ML250 BLUETEC WAGON 4 DOOR/AWD 16 RAM TRUCK 3500 LONGHORN CREW PICKUP/4x ML350 WAGON 4 DOOR/AWD RAM TRUCK 3500 SLT CREW PICKUP/4x ML350 BLUETEC WAGON 4 DOOR/AWD 15 RAM TRUCK 3500 ST CREW PICKUP/4x ML400 4 MATIC WAGON 4 DOOR/AWD 16 ML550 4 MATIC WAGON 4 DOOR/AWD 15 SUBARU ML63 AMG WAGON 4 DOOR/AWD IMPREZA WRX SEDAN 4 DOOR/AWD 15 S CLASS S65AMG SEDAN 4 DOOR/Rear IMPREZA WRX STATION WAGON/AWD S350 BLUETEC SEDAN 4 DOOR/AWD 13 IMPREZA WRX STI SEDAN 4 DOOR/AWD 15 S400 HYBRID SEDAN 4 DOOR/Rear IMPREZA WRX STI STATION WAGON/AWD S550 SEDAN 4 DOOR/Rear WRX SEDAN 4 DOOR/AWD 16 S550 4MATIC SEDAN 4 DOOR/AWD WRX LIMITED SEDAN 4 DOOR/AWD 16 S600 SEDAN 4 DOOR/Rear WRX PREMIUM SEDAN 4 DOOR/AWD 16 S63 AMG SEDAN 4 DOOR/Rear WRX STI SEDAN 4 DOOR/AWD 16 WRX STI LAUNCH EDITION SEDAN 4 DOOR/AWD 16 MITSUBISHI WRX STI LIMITED SEDAN 4 DOOR/AWD 16 ECLIPSE SPYDER GS CONVERTIBLE/Front 12 ECLIPSE SPYDER GT CONVERTIBLE/Front 12 TOYOTA LANCER DE SEDAN 4 DOOR/Front 13 4RUNNER SR5/LIMITED WAGON 4 DOOR/Rear 14 LANCER ES/ES SPORT HATCHBACK 4 Door/Front 13 4RUNNER SR5/LIMITED/TRAIL WAGON 4 DOOR/4x4 14 LANCER ES/ES SPORT SEDAN 4 DOOR/Front 13 AVALON/LIMITED SEDAN 4 DOOR/Front 12 LANCER EVOLUTION GSR SEDAN 4 DOOR/AWD 13 CAMRY HYBRID/LE/XLE SEDAN 4 DOOR/Front 13 LANCER EVOLUTION MR SEDAN 4 DOOR/AWD 13 CAMRY SE/XLE SEDAN 4 DOOR/Front 13 LANCER GTS SEDAN 4 DOOR/Front 13 FJ CRUISER WAGON 4 DOOR/4x LANCER RALLIART & SPORT SEDAN 4 DOOR/AWD 13 FJ CRUISER WAGON 4 DOOR/Rear LANCER SE SEDAN 4 DOOR/Front 13 HIGHLANDER BASE/PLUS/SE WAGON 4 DOOR/AWD 14 HIGHLANDER HYBRID LIMITED WAGON 4 DOOR/AWD NISSAN HIGHLANDER LE/LE PLUS WAGON 4 DOOR/AWD Z CONVERTIBLE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/AWD Z COUPE/Rear 13 HIGHLANDER LIMITED WAGON 4 DOOR/Front ALTIMA 2.5 S COUPE/Front 14 HIGHLANDER LIMITED/LTD PLU WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/AWD HIGHLANDER XLE WAGON 4 DOOR/AWD ARMADA PLATINUM WAGON 4 DOOR/Rear HIGHLANDER/HYBRID WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/4x4 12 HIGHLANDER/SE WAGON 4 DOOR/AWD ARMADA SE/TITANIUM WAGON 4 DOOR/AWD 12 HIGHLANDER/SE WAGON 4 DOOR/Front ARMADA SV/SL/PLATINUM WAGON 4 DOOR/4x4 13 HIGHLANDER HYB LTD/LTD PLA WAGON 4 DOOR/AWD ARMADA SV/SL/PLATINUM WAGON 4 DOOR/AWD SCION FR-S COUPE/Rear 16 ARMADA SV/SL/PLATINUM WAGON 4 DOOR/Rear SCION TC HATCHBACK 2 Door/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/4x SCION XB WAGON 4 DOOR/Front FRONTIER S/SV/SL/PRO-4X CREW PICKUP/Rear 15 SEQUOIA LIMITED WAGON 4 DOOR/4x4 12 FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/4x SEQUOIA LIMITED WAGON 4 DOOR/AWD FRONTIER SV/PRO-4X 4 DOOR EXT CAB PK/Rear 15 SEQUOIA PLATINUM WAGON 4 DOOR/4x FRONTIER SV/SL CREW PICKUP/4x SEQUOIA PLATINUM WAGON 4 DOOR/AWD 14 FRONTIER SV/SL CREW PICKUP/Rear SEQUOIA SR5 WAGON 4 DOOR/AWD MAXIMA S/SV SEDAN 4 DOOR/Front TACOMA PICKUP/4x4 13 PATHFINDER LE WAGON 4 DOOR/AWD 13 TACOMA PICKUP/Rear 13 PATHFINDER S/LE/SE WAGON 4 DOOR/AWD 13 TACOMA ACCESS CAB CLUB CAB PICKUP/4x4 13 PATHFINDER S/LE/SE WAGON 4 DOOR/Rear TACOMA ACCESS CAB CLUB CAB PICKUP/ Rear 13 PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/4x4 14 TACOMA DOUBLECAB CREW PICKUP/4x PATHFINDER S/SV/SL/PLATNU WAGON 4 DOOR/Front 14 TACOMA DOUBLECAB CREW PICKUP/Rear TITAN S/SV/SL/PRO-4X CREW PICKUP/4x TACOMA DOUBLECAB LG BD CREW PICKUP/4x TITAN S/SV/SL/PRO-4X CREW PICKUP/Rear TACOMA PRERUNNER LONG BED CREW PICKUP/Rear 13 TITAN SV CREW PICKUP/4x TACOMA PRERUNNERACCESSCAB CLUB CAB PICKUP/ Rear 13 TITAN SV CREW PICKUP/Rear 12 TACOMA X-RUNNER ACCESSCAB CLUB CAB PICKUP/ Rear 13 TUNDRA CREWMAX 1794 CREW PICKUP/4x4 16 PORSCHE TUNDRA CREWMAX 1794 CREW PICKUP/Rear 16 CAYENNE WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/4x CAYENNE DIESEL WAGON 4 DOOR/AWD TUNDRA CREWMAX LIMITED CREW PICKUP/Rear Effective 06/01/16 HT-4 Commonwealth Automobile Reinsurers October 1, 2013 HT-4

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476 MA PPA Changed Pages pdf MASSACHUSETTS SAFETY INSURANCE PRIVATE PASSENGER GROUP MASSACHUSETTS RESIDUAL MARKET PERSONAL AUTOMOBILE AUTO INSURANCE MANUAL MANUAL TOYOTA (cont'd) Make/Series/Body Style/Driving Wheels TUNDRA CREWMAX PLATNUM CREW PICKUP/4x TUNDRA CREWMAX PLATNUM CREW PICKUP/Rear TUNDRA CREWMAX SR5 CREW PICKUP/4x TUNDRA CREWMAX SR5 CREW PICKUP/Rear TUNDRA CREWMAX SR5/TRD PR CREW PICKUP/4x4 16 TUNDRA DOUBLE CAB LIMITED CREW PICKUP/4x TUNDRA DOUBLE CAB LIMITED CREW PICKUP/Rear TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/4x TUNDRA DOUBLE CAB SR/SRS CREW PICKUP/Rear TUNDRA DOUBLE CAB SR5 CREW PICKUP/4x TUNDRA DOUBLE CAB SR5 CREW PICKUP/Rear VENZA WAGON 4 DOOR/AWD 12 VENZA WAGON 4 DOOR/Front 12 VENZA LE/XLE WAGON 4 DOOR/AWD VENZA LE/XLE WAGON 4 DOOR/Front VENZA LE/XLE/LIMITED WAGON 4 DOOR/AWD VENZA LE/XLE/LIMITED WAGON 4 DOOR/Front VOLKSWAGEN TOUAREG HYBRID WAGON 4 DOOR/AWD 15 TOUAREG TDI WAGON 4 DOOR/AWD 16 TOUAREG V6 WAGON 4 DOOR/AWD 16 Effective 06/01/16 HT-5 Commonwealth Automobile Reinsurers October 1, 2013 HT-5

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