Liberty Mutual Fire Ins.

Rate/Rule

Liberty Mutual Personal

• Section FR-Forms

Liberty Mutual Fire Ins. Co.

Rule:

• G7. Coverages and Limits
• P2. Prior Insurance

Rate:

• Bodily Injury Limit – Coverage Factor
• Property Damage Limit – Coverage Factor
• Uninsured Bodily Injury Limit – Coverage Factor
• Underinsured Bodily Injury Limit – Coverage Factor
• Compulsory Bodily Injury Limit – Coverage Factor

LM General Ins. Co.

Rule:

• G11. Coverages and Limits
• G12. Mandatory Offer of Coverage

Rate:

• Limit Factor
• Motorcycle Rating Coverage Factors

Liberty Mutual Ins. Co.

Rate:

• Class – Territory Base Rates

Rule:

• Rule 2. Coverages and Limits
• Rule 3. Mandatory Offer
• Increased Limits Tables

Liberty Mutual Ins. Group

• Increased Limits and Program Factors
• Uninsured/Underinsured Motorists Rates
• Miscellaneous Motor Vehicle
• Motorcycle Rates

Liberty Mutual Personal

Rule:

• G11. Coverages and Limits
• G12. Mandatory Offer of Coverage

Rate:

• Coverage Factors

Liberty Mutual Ins. Group

Rate:

• Miscellaneous Motor vehicle
• Miscellaneous Motor Vehicles Base Rates
• Motorcycle Rates
• Index of forms (all carriers)

Markup of Changes

Form/Rate/Rule

Form:

• Coverage Selections Page – AUTO 4986 03 25
• Coverage Selections Page – AUTO 4986 01 22

Rule:

Manual of Rules

Section G. General Rules

• G1. Application of Manual
• G2. Eligibility
• G3. Policy Term
• G4. Rates and Rating Information
• G5. Premium Adjustments due to Policy Changes or Cancellations
• G6. Whole Dollar Premium
• G7. Coverage and Limits
• G7A. Personal Injury Protection – Deductible Form
• G8. Pre-Insurance Inspection Program

Section D. Definitions

• D1. Experience Period
• D2. Chargeable Accidents
• D3. Violation Definitions
• D4. Accident Forgiveness

Section P. Policy

• P1. Payment Discounts
• P2. Prior Insurance
• P3. Minimum Base Price, Number of Vehicles, Number of Operators
• P4. Maximum Base Price
• P5. Early Shopper Discount
• P6. Newly Licensed Operator Discount
• P7. Newly Independent Discount
• P8. Multi-Policy Discount
• P9. Life Multi-Policy Discount
• P10. Military Discount
• P11. Claims Free Discount
• P12. Violation Free Discount
• P13. Property Insurance Discount
• P14. Digital Discounts
• P15. Group Savings Plus Discount
• P16. Policy Evaluation Type

Section O. Operator

• O1. Years Licensed
• O2. Years Licensed, Vehicles, Operators
• O3. Operator Incident
• O4. Operator Surcharge
• O5. Student Discounts
• O7. Senior Discount
•  O8. Household Averaging

Section H. Household Composition

• H1. Minimum Years Licensed Current
• H2. Maximum Years Licensed Current
• H3. Inexperienced Operator, Number of Vehicles, Number of Operators
• H4. Unlisted Named Insured, Restricted Driver Indicator
• H5. Number of Vehicles

Section V. Vehicle

• V1. Vehicle Performance Group
• V2. Vehicle Ownership Current
• V3. Coverage Combination
• V4. Vehicle Age When Added, Years Owned When Added
• V5. Vehicle Age When Added, Number of Vehicles, Number of Operators
• V6. Model Year
• V7. Vehicle Age When Added
• V8. Vehicle Age Difference
• V9. Vehicle Territory
• V10. Alternate Garaging
• V11. Minimum Years Licensed, Class
• V12. Minimum Years Licensed, Size
• V13. Vehicle Age, Inexperienced Operator
• V17. RightTrack
• V18. Vehicle Age Difference, Number of Vehicles, Number of Operators
• V19. Vehicle Age Difference, Years Owned When Added
• V20. Vehicle Age Difference, Inexperienced Operator
• V21. Rated Annualized Mileage

Section F. Other

• F1. Underwriting Tier
• F2. Fixed Expense
• F3. Basic Package Capping Factor
• F4. Rate Stabilization – Transition Capping
• F5. Program Offset Multiplier

Section OC. Optional Coverages

• OC1. Excess Electronic and Customized Equipment Coverage
• OC2. Auto Loan/Lease Coverage (GAP Coverage)
• OC3. Antique Private Passenger Automobiles
• OC4. Unique and Unusual Private Passenger Vehicles
• OC5. Trailers
• OC6. Camper Bodies
• OC7. Better Car Replacement Coverage
• OC8. Employee Parking Guard
• OC9. Liberty Mutual Deductible Fund
• OC10. Original Parts Replacement Coverage
• OC11. Custom Coverage Level
• OC12. Extended Non-Owned Coverage
• OC13. RideSharing Coverage

Section FR. Forms

• List of Forms

Section PDP – Premium Determination Pages

Rate:

Massachusetts Auto Rating Manual

Rate:

Massachusetts Auto Rating Manual

Rate:

Massachusetts Auto Rating Manual

Rate:

• Massachusetts Auto Rating Manual

Markup of Changes

Form:

• Coverage Selections Page – AUTO 4986 03/25
• Forms List

Manual of Rules with Markup of Changes

Rates with Markup of Changes

Rate:

• Massachusetts Auto Rating Manual

Markup of Changes

Form:

• Coverage Selections Page – AUTO 4986 03/25
• Forms List

Manual of Rules with Markup of Changes

Rates with Markup of Changes

Rate:

• Massachusetts Auto Rating Manual

Markup of Changes

Form:

• Coverage Selections Page – AUTO 4986 03/25
• Forms List

Manual of Rules with Markup of Changes

Rates with Markup of Changes

Rate:

• Model Year

Markup of Changes

Rate:

• Automobile Rating

Markup of Changes

Rate:

• Rating Manual Pages

Form/Rate/Rule (All new PP Business including Trailers & Antiques will be written in LMFIC).

Form:

• Coverage Selections Page – AUTO 4986 01 22
• Operator Exclusion Form – AS 1003MA 01 22
• Application for Massachusetts Motor Vehicle Insurance – AUTO 4985 01 22
• Massachusetts Automobile Insurance Policy – AUTO 4352 01 22
• Massachusetts Private Passenger Automobile Insurance Manual – Version 1.00 Effective Per Section A

Section G – General Rules

• G1. Application and Manual
• G2. Eligibility
• G3. Policy Term
• G4. Rates and Rating information
• G5. Premium Adjustments due to Policy Changes or Cancellations
• G6. Whole Dollar Premium
• G7. Coverages and Limits
• G7A. Personal Injury Protection – Deductible Form
• G8. Pre-Insurance Inspection Program

Section D – Definitions

• D1. Experience Period
• D2. Chargeable Accidents
• D3. Violation Definitions
• D4. Accident Forgiveness

Section P – Policy

• P1. Payment Discounts
• P2. Prior Insurance
• P3. Minimum Base Price
• P4. Maximum Base Price
• P5. Early Shopper Discount
• P6. Newly Licensed Operator Discount
• P7. Newly Independent Discount
• P8. Multi-Policy Discount
• P9. Live Multi-Policy Discount
• P10. Military Discount
• P11. Claims Free Discount
• P12. Violation Free Discount
• P13. Property Insurance Discount
• P14. Digital Discounts
• P15. Group Savings Plus Discount

Section O – Operator

• O1. Years Licensed
• O2. Years Licensed, Vehicles, Operators
• O3. Operator In ident
• O4. Operator Surcharge
• O5. Student Discounts
• O6. Driver Training Discount
• O7. Senior Discount
• O8. Household Averaging

Section H – Household Composition

• H1. Minimum Years Licensed Current
• H2. Maximum Years License4d Current
• H3. Inexperienced Operator, Number of Vehicles, Number of Operators
• H4. Unlisted Named Insured, Restricted Driver Indicator
• H5. Number of Vehicles

Section V – Vehicle

• V1. Vehicle Performance Group
• V2. Vehicle Ownership Current
• V3. Coverage Combination
• V4. Vehicle Age When Added, Years Owned When Added
• V5. Vehicle Age When Added, Number of Vehicles, Number of Operators
• V6. Model Year
• V7. Vehicle Age When Added
• V8. Vehicle Age Difference
• V9. Territory
• V10. Alternate Garaging
• V11. Minimum Years Licensed, Class
• V12. Minimum Years Licensed, Size
• V13. Vehicle Age, Inexperienced Operator
• V14. Odometer Score
• V15. Title Score
• V16. Tech Safety Discount
• V17. Usage Based Insurance

Section F – Other

• F1. Tier
• F2. Fixed Expense
• F3. Basic Package Capping Factor

Section OC – Optional Coverages

• OC1. Excess Electronic and Customized Equipment Coverage
• OC2. Auto Loan/Lease Coverage (Gap Coverage)
• OC3. Antique Private Passenger Automobiles
• OC4. Unique and Unusual Private Passenger Vehicles
• OC5. Trailers
• OC6. Camper Bodies
• OC7. Better Car Replacement Coverage
• OC8. Employee Parking Guard
• OC9. Liberty Mutual Deductible Fund
• OC10. Original Parts Replacement Coverage
• OC11. Custom Coverage Level
• OC12. Extended Non-Owned Coverage
• OC13. RideSharing Coverage

Section FR – Forms (list with number…form not included in filing)

• $100 Glass Deductible – Comprehensive – AS 2330
• Additional Policy Protection – PMKT 1249
• Application for Massachusetts Motor Vehicle Insurance – AUTO 4985
• Auto Loan/Lease Coverage – AS 3805
• Better Car Replacement™ Coverage – AS 3799
• Certificate of Automobile Insurance – AUTO 5008
• Coverage for Anyone Renting an Auto to You Additional Insured – Lessor – AS 2327
• Coverage for Customizing Equipment – AS 3793
• Education Affinity Endorsement – AS 2303
• Educator Endorsement – AS 2304
• Employee Parking Guard™ Coverage – AS 3720
• Excess Electronic Equipment Coverage – AS 3797
• Liberty Enhanced Coverage Endorsement – AS 3906
• Liberty Mutual Deductible Fund™ – AS 3837
• Massachusetts Automobile Insurance Policy – AUTO 4352
• Massachusetts Medical Payments Coverage Amendatory Endorsement – AS 3820
• Operator Exclusion Form – AS 1003
• Optional Bodily Injury to Others Exclusion – AUTO 5007
• Original Equipment Manufacturer Parts Coverage – AS 3834MA
• Policy Declarations – AUTO 4986
• Massachusetts Renewal Form – AUTO 4988
• RideSharing Coverage Endorsement – Massachusetts – AS 3920MA
• Stated Amount Coverage – AS 2334
• Suspension of Coverage and Reduction of Limits – AS 2335
• Trust Endorsement – AS 2317
• Use of Other Autos – Vehicles Furnished or Available for Regular Use – AS 2337
• Waiver of Deductible – AS 2339
• Rate Manual
  • Section PDP – Premium Determination Pages
• Variable Payment Plan

Markup of Changes

Rule:
Direct Payment Plan for Motor Vehicle Collision and Comprehensive Coverage Claims and Referral Repair Shop Programs
Markup of Changes

Rule:

• Variable Payment Plan