Liberty Mutual Personal 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

Rate:

• Vehicle Factor

Markup of Changes

Rate:

• Coverage Factor

Markup of Changes

Rate:

• Coverage Factors

Markup of Changes

Rule:

• Variable Payment Plan

Markup of Changes

Rate:

• Coverage Factor

Markup of Changes

Rule:

• Variable Payment Plan

Markup of Changes

Form/Rate/Rule
Form:

• Massachusetts Automobile Policy – AUTO 4317 03 19
• Liberty Enhanced Coverage Endorsement – AS 3906 03 19
• Original Equipment Manufacturer Parts Coverage – AS 3834MA 03 19

Rule:

Complete Manual of Rules

SECTION A – Index Page

SECTION G – General Rules

• G1. Application of Manual
• G2. Eligibility
• G3. Policy Term
• G4. Rates and Rating Information
• G5. Changes
• G6. Cancellation
• G7. Suspension
• G8. Instructions for Pro Rata
• G9. Whole Dollar Premium
• G10. Premium Payment Plan
• G11. Coverages and Limits
• G11A. Personal Injury Protection – Deductible Form
• G12. Mandatory Offer of Coverage
• G13. Motor Vehicle Registration Certificates
• G14. Pre-Insurance Inspection Program
• G15. Deferred Operators
• G16. Additional Policy Protection
• G17. Late Payment Fee

SECTION C – Classification

• C1. Operator Factor
• C2. Operator Discount Factor
• C2A – Reserved for Future Use
• C2B – Student-away-at-School Discount
• C2C – Good Student Discount
• C2D – Senior Discount
• C2E – Defensive Driving Course Discount
• C2F – Driver Training Discount
• C2G – Advanced Driver Training Discount
• C2H – Driving Years Discount
• C3. Operator Incident Factor
• C4. Operator Surcharge Factor

• C5. Household Average Factor

SECTION F – Other Factors F

• F1. Household Composition Factor
• F2. Vehicle Factor
• F2A – VIN Factor
• F2B – Usage Factor
• F2C – Vehicle Ownership
• F2D – Annual Mileage
• F2E – Coverage Combination
• F2F – Years Owned When Added
• F2G – New-to-Liberty Vehicle Factor
• F2H – Number of Titles
• F2I – Vehicle Age Current
• F2J – Vehicle Age When Added
• F2K – Model Year
• F2L – Vehicle Age When Added X Vehicle to Driver Ratio
• F3. Incident Factor
• F3A – Chargeable Accidents
• F3B – Violation Definitions
• F3C – Accident Forgiveness
• F4. Tier Factor
• F5. Territory Factor
• F6. Vehicle Discount Factor
• F6A – Vehicle Safety Discount
• F6B –Alternative Energy Discount
• F6C – RightTrack Discount
• F7. Policy Discount Factor
• F7A – Paid-in-Full Discount
• F7B – Preferred Payment Discount
• F7C – Reserved For Future Use
• F7D– Early Quote Discount
• F7E – Group Savings Plus Discount
• F7F – Newly Licensed Operator Discount
• F7G – Newly Independent Discount
• F7H – New Move Discount
• F7I – Multi-Policy Discount
• F7J – Paperless Discount
• F7K –Military Discount
• F7L – Accident Free Discount
• F7M – Violation Free Discount
• F7N – Property Insurance Discount
• F7O – Online Purchase Discount
• F8. Limits & Deductible Factors
• F9. Basic Package Capping Factor
• F10. Late Pay Factor
• F11. Prior Insurance Factor
• F12. Min Base Price
• F13. Max Base Price

SECTION TC – Trailer and Camper Coverage and Rating

• TC1. Liability Insurance
• TC2. Physical Damage Coverage
• TC3. Camper Bodies
• TC4. Trailers

SECTION OC – Additional (Optional) Coverage Rules

• OC1. Custom Coverage Level
• OC2. Excess Electronic and Customized Equipment Coverage
• OC3. Original Parts Replacement Coverage
• OC4. Auto Loan/Lease Coverage (Gap Coverage)
• OC5. Reserved for future use
• OC6. Antique Private Passenger Automobiles
• OC7. Reserved for future use
• OC8. Reserved for future use
• OC9. Better Car Replacement
• OC10. Employee Parking Guard
• OC11. Liberty Mutual Deductible Fund

SECTION OP – Other Policy Types

• OP1. Reserved for future use
• OP2. Extended Non-Owned Coverage

SECTION FR – Forms

• SECTION PDP – Premium Determination Procedure

Rates:

• Rating Manual