ohio auto program & financial responsibility bond program...2002/03/20 · ohio auto program...
TRANSCRIPT
Ohio Auto Program &
Financial Responsibility Bond Program
New Business 02/03/20 Renewal Business 03/07/20
Founders Insurance Company | P.O. Box 5040, Des Plaines, IL 60017-5040 | www.foundersinsurance.com toll free phone (800) 972-8778 | fax (847) 795-0080 | toll free fax (888) 920-0078
OH-PPA/FR BOND Effective 02/03/20 NB & 03/07/20 RN
Table of Contents
Quick Contact Guide ...................................... 1
1. GENERAL GUIDELINES .................................2
Introduction ................................................... 2
Application ..................................................... 2
Policy Term ..................................................... 2
Binding Authority ........................................... 2
Fraud and Misrepresentation ........................ 3
File Maintenance and Audit Requirements ... 3
Cancellations .................................................. 4
Reinstatements .............................................. 5
Renewals ........................................................ 5
Endorsement Guidelines ................................ 5
Claims Procedures .......................................... 7
2. ACCEPTABILITY ...........................................8
Suspended, Expired, Revoked or Cancelled License ............................................................ 8
Financial Responsibility Filings ....................... 8
VIN (Vehicle Identification Number) .............. 8
Driver’s Licenses ............................................. 8
Driver Exclusions (Personal Auto Policies) ..... 9
Medical Certification Requirements .............. 9
Listed Operators / Non-Licensed Household Residents (Personal Auto Policies) ................. 9
Unacceptable Risks - All Coverages ............. 10
Unacceptable Vehicles - Physical Damage .. 12
Unacceptable Vehicles – Physical Damage – Specific Makes/Models ................................ 13
Unacceptable Risks – Midterm Changes to Insured Vehicles / Drivers ............................ 13
3. COVERAGE INFORMATION........................ 14
BI/PD ............................................................ 14
UM/UIM Bodily Injury .................................. 14
UM/PD ......................................................... 15
Medical Payments ....................................... 15
Comprehensive/Collision ............................. 15
Add-On Equipment Coverage Rule .............. 16
Towing and Labor ........................................ 16
Emergency Roadside Assistance .................. 16
Rental/Transportation Expenses ................. 17
Named Non-Owner Policy ........................... 17
Liability Only Policies ................................... 17
Financial Responsibility Bond ...................... 17
Limited Transportation Network Driver Coverage (No Passenger) ............................. 18
Business Use ................................................ 18
Legal Expense ............................................... 19
Accidental Death .......................................... 19
Basic Tenant Personal Property and Liability Enhancement Coverage ............................... 19
OH-PPA/FR BOND Effective 02/03/20 NB & 03/07/20 RN
4. DISCOUNTS, POINTS AND SURCHARGES .... 20
Discounts ...................................................... 20
Points ........................................................... 21
Surcharges (Personal Auto Policies Only) .... 23
5. RATING .................................................... 24
Premium Determination .............................. 24
Violation/Accident Determination ............... 25
Prior Insurance Factor (Personal Auto Policies Only) ............................................................. 26
Insurance Scoring (Personal Auto Policies Only) ............................................................. 27
Driver Class Determination .......................... 27
Point Surcharges and/or Class Changes ....... 28
Garage Location and Territory ..................... 28
New Business Minimum Earned Premium ... 28
Vehicle Symbols (Personal Auto Policies Only)...................................................................... 28
6. BILLING AND FEES .................................... 30
Direct Bill ...................................................... 30
Agency Bill .................................................... 30
Uprates ......................................................... 30
Insufficient Down Payment .......................... 30
Checks Returned for Non-Sufficient Funds (NSF) / Rejected Payments........................... 30
Personal Auto and FR Bond Fees ................. 31
APPENDIX:
Zip Code Territory Guides
Private Passenger Auto ................................ P1
FR Bond ........................................................ B1
Ohio Rates
Private Passenger Auto…….………………PPA-R-1
FR Bond………………………………………………FR-R-1
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Quick Contact Guide
General Office Hours
Monday through Friday, 8:00 am - 5:00 pm CT Saturday, 8:00 am - 12:00 pm CT (billing and new claim reporting only)
Underwriting and Payment Address
P.O. Box 5040 Des Plaines, IL 60017-5040
Claims Address
P.O. Box 5100 Des Plaines, IL 60017-5100
Phone Numbers
General Number Toll Free (800) 972-8778 Claims (888) 676-4342 Marketing (847) 768-3269 Technical Support Toll Free (866) 758-7678
Fax Numbers
Underwriting Toll Free (888) 920-0078 Underwriting (847) 795-0080 Homeowners Underwriting (847) 321-4499 Claims (847) 768-0078
Email Addresses
[email protected] [email protected] [email protected] [email protected] [email protected] (Homeowners)
Online Services
Customer Dedicated Website www.foundersinsurance.com Agent Dedicated Website https://myweb.foundersagents.com
GENERAL GUIDELINES
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1. GENERAL GUIDELINES Introduction These Underwriting rules will provide you with the ability to readily quote most of your customers requiring products in the non-standard auto insurance market including financial responsibility bonds. For complete information on coverages described in these rules, you need to refer to the policy Declarations and forms. No coverage is provided within these guidelines; nor can they be construed to replace any provision of a policy. We realize circumstances will arise that require clarification or interpretation. Our underwriters are here to assist you. If in doubt, please call. We maintain the right to refuse or cancel a risk based upon individual review of an application, underwriting reports (including Motor Vehicle Reports) and our underwriting judgment.
Application All new business must be submitted electronically through the Founders Agent website (https://myweb. foundersagents.com) using the Founders Personal Auto application or FR Bond application, or through a comparative rater integrated with Founders (please refer to the Founders website for current vendors).
The Founders application must be fully completed, printed, signed by both you and the applicant, and retained in your office.
• (Private Passenger Auto) Provide information for the applicant/named insured, spouse, all children of driving age (list age 15 and greater) residing with the applicant, other household residents, and any other regular operators of the vehicle(s) who do not live in the household. Refer to Section 2. Listed Operators/Non-Licensed Household Residents for additional information on drivers who must be reported.
• Risks written with physical damage should be inspected by you. Any existing damage should be noted on the application. It is recommended that you take two photographs of the damage. These photographs should be taken from the front corner and from the opposite rear corner of the damaged side of the vehicle and must clearly show the damage. The photographs are to be retained in your agency file.
• P.O. Box addresses are not acceptable unless a garaging address is also provided. Refer to Section 5. Garage Location and Territory for additional information.
• A Founders Financial Responsibility Bond Application must be completed to apply for a FR Bond.
Founders will sweep your agency’s premium trust account for the down payment, including applicable fees, for uploaded applications. You may also enter the insured’s credit card or ACH information. Sweep transactions returned for Non-Sufficient Funds (“NSF”) from your agency’s premium trust account may result in withdrawal of your agency sweep privileges.
The Producer is responsible for providing responses to all underwriting requests for additional information. If not acted upon within fifteen (15) calendar days from the date of request, the policy may be subject to cancellation.
Policy Term Policies and FR Bonds may be written for a six- or twelve-month term.
Binding Authority Qualifying risks will be bound at the time and date on which the application is completed in full, signed by the producer and the applicant, and the required premium is paid by the applicant. Backdated coverage is not acceptable. If coverage is backdated, an E&O claim may result.
Applications must be submitted electronically and will be bound as of the date and time of upload when: 1. The application and all applicable documents are complete and signed where required by the applicant and
by you; 2. The down payment has been made on the date of application; 3. The effective date is no earlier than the date upon which the producer received the down payment and the
application is completed and signed by the applicant and by you.
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4. The application does not include any class of risk or type of insurance not specified in the underwriting requirements; and
5. The information contained within the application is, to the producer’s knowledge, truthful and accurate.
The application is part of the policy contract and must be fully completed. By signing, the applicant is agreeing that the information contained in the application is accurate.
Incomplete applications may result in the policy being rejected or rated differently than submitted. You do not have authority to issue policy declarations pages, endorsements or cancellation notices unless specifically authorized by the Company. Severe Weather Restrictions Binding authority for physical damage coverage is suspended during a weather-related watch or warning. During the watch or warning, an agent may not bind any new risk for physical damage or add a vehicle for physical damage to an existing policy. Deductibles cannot be lowered or physical damage added to any existing liability-only vehicle.
Twenty-four hours after the watch or warning is lifted, binding authority is reinstated. For forty-eight hours after the watch or warning is lifted, the agent must personally inspect all proposed risks to ensure that no loss has taken place. The agent should note on the application that an inspection was made on all vehicles. The agent should inspect all vehicles prior to reinstating or rewriting a canceled policy and complete and retain a vehicle inspection form for all vehicles.
Fraud and Misrepresentation All statements made by the Applicant are deemed to be representations. If any representation contained in the application is false, misleading, or materially affects the acceptance or rating of the risk, by either direct misrepresentation, omission, concealment of facts or incorrect statements, the policy will be null and void from its inception.
If any representation contained in any notification of change is false, misleading, or materially affects the acceptance or rating of the risk, by either direct misrepresentation, omission, concealment of facts or incorrect statements, the policy will be null and void as of the effective date of the change.
This shall also apply to misstatement of use and omission of fact. We will not provide coverage for any insured who has made fraudulent statements or engaged in fraudulent conduct in connection with any accident or loss for which coverage is sought under the policy.
File Maintenance and Audit Requirements New Business Please remember to obtain all necessary signatures and documents when you complete a new business application or make policy changes, and retain them in your files. According to the Producer’s Agreement, you are responsible for producing all correctly completed signature forms/proof documents upon our request. Documents should be retained for 7 years from the expiration date of the policy, or in accordance with state regulatory guidelines, whichever is longer.
Should a claim arise and requested documents are not available, an E&O exposure may exist. Your Producer Agreement also contains other information regarding retention of policy documents. Acquired Business If you acquire a Founders policyholder either through a producer of record change or through the transfer or purchase of another agency’s book of business, you must immediately obtain from the prior producer or agency all original signed applications (including exclusions and rejections of optional coverages) and all other records relating to that policy. Such records must be maintained in accordance with the terms of your Producer Agreement and all applicable laws. If attempts to obtain records from the prior agency prove unsuccessful, then you must obtain signed forms directly from the policyholder.
These documents include, but are not limited to: 1. Original signed application.
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2. SR-22 Filings. 3. Signed Exclusion Form listing all persons excluded from coverage. 4. Verification of Safe Driver Course to qualify for the Senior Operator discount. 5. Proof of not-at-fault accidents when required. Refer to Section 5. Violations / Accident Determination for
additional information. 6. Proof of homeownership for Homeowner discount when required. 7. Proof of prior insurance or prior insurance coverage exception eligibility, when required. Refer to Section
5. Prior Insurance Factor for additional information. 8. Pre-insurance inspections and accompanying documents, including any required vehicle photos, if
applicable.
Routine Audits Routine audits may be performed on random files. You will be required to provide file documentation to a Company representative during an on-site visit or remotely. You will receive a list of required documentation that must be submitted to our office no later than two (2) days after the request. Failure to submit the documentation will result in a failed audit.
Cancellations Flat Cancellations (New Business) Flat cancellations are permitted after inception of a policy only in the following situations:
1. The vehicle is returned to the dealer within 10 business days after date of purchase. 2. There is duplicate insurance effective on or before the effective date of the Founders policy. Proof is
required. 3. The applicant never had possession of the vehicle. Proof is required. 4. The customer’s down payment is paid by a check, electronic funds transfer, credit card or any other form
of payment that is not honored by the issuing financial institution for any reason. Insured’s Request Cancellation requested by the insured requires either the return of the policy or submission of a written request with the reason for cancellation stated. The company will comply with the cancellation request. The effective date of the cancellation will be no earlier than the date of the fax or email, or the day following the postmark date of the request. However, for financial responsibility bonds and/or if there is an active SR-22 filing, the cancellation will be effective after statutory notice has been given unless proof is submitted that the bond and/or SR-22 filing has been placed with another carrier.
If a policy or financial responsibility bond is cancelled during its first term at the insured’s request, we will retain the greater of the new business minimum earned premium (if applicable) or the pro-rata earned premium at the time of cancellation. Refer to Section 5. New Business Minimum Earned Premium for additional information. Loss Payee We will mail a cancellation notice to the loss payee. Company Cancel Return premium will be calculated on a daily pro-rata basis from the effective date of the cancellation. This includes cancellation for nonpayment of premium. Duplicate Coverage Requests for cancellations due to duplicate coverage must be accompanied by proof showing vehicles, dates, coverage and insurance carrier. Nonpayment of Premium Cancel Cancel notices are issued prior to the effective date of cancellation. If the payment is uploaded or postmarked before the cancellation day, we will accept the payment with no lapse in coverage. If you accept a payment in your office, the payment must be uploaded or postmarked before the cancellation day. Policies with payments postmarked or
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uploaded on or after the day of cancellation may be reinstated with a lapse, subject to underwriting approval. See Reinstatements section for details.
Reinstatements As a producer, you have no authority to reinstate a policy. A policy will be reinstated only at our underwriter’s discretion with a lapse in coverage if less than 45 days from the date of cancellation. Upon approval, coverage will be effective at 12:01 am on the day following entry of the online payment, postmark if mailed, or date of payment by phone. If more than 45 days have elapsed, a new application is required and a new policy will be issued with loss of previous discounts.
Renewals A renewal offer will be mailed directly to the insured, unless we exercise our option to non-renew, approximately 30 days prior to the expiration date of the policy setting forth the renewal premium as per the expiring coverages and limits. The offer will reflect our current rates and rules in effect. A copy of the renewal offer will be sent to you.
• If payment for a renewal is not received on or before the due date of the renewal bill, the policy will expire at 12:01 am on the term expiration date.
• If payment is made within 45 days after the due date, the policy will be renewed with a lapse in coverage. Coverage will begin the day following the payment date, subject to current rates.
• If payment is made more than 45 days after the due date, a lapse in coverage will not be honored. A new application must be submitted with loss of previous discounts.
• Losses and violations that occur after the date of the renewal quote issuance and before the inception date of the renewal policy will be charged on the renewal policy.
• An updated insurance credit score will be obtained and applied to every 3rd annual Private Passenger Auto renewal policy.
• If a condition exists which warrants non-renewal of the policy, a non-renewal notice will be issued at least 30 days prior to the expiration of the in-force policy.
Endorsement Guidelines Agents are encouraged to process endorsements utilizing the Founders Agent website. Coverage can also be bound by faxed, emailed or mailed requests as of the effective date and time listed on the endorsement as long as it is within the agents binding authority. Should the binding requirements not be met, coverage will be bound upon receipt of the document either by the fax or email date or the postmark date. Agents can also process endorsements utilizing the Founders Agents website. For changes processed through the website or submitted via fax, email or mail, it is the agent’s responsibility to retain and keep all signed requests in their producer files. These documents are subject to the guidelines under Section 1. File Maintenance and Audit Requirements.
Add/Change/Delete - Website Changes Allowed • Drivers • Coverage • Address (Garage/Mailing) • Lienholder • Vehicles • Marital status • Owner to Named Non-Owner and vice versa
Do not send a copy of the endorsement if processed through the website. Copies must be kept in the producer’s office.
Prohibited Changes – Website Changes Not Allowed • Change of producer • Change to named insured • Change from an Auto policy to a Bond policy or vice versa • Increase liability limits on an SR-22 policy
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• Term dates • Payment plan • Driver age/point reduction mid-term • Adding physical damage or reducing deductible during a severe weather warning or watch
Mid-Term Changes To Insured Vehicles / Drivers If an endorsement is made to a policy that has been in effect for 90 days or less, which makes the risk ineligible for the program for any reason, we will cancel the policy. If a change is made to a policy in effective for 91 or more days which makes the risk ineligible for the program for any reason, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. Refer to Section 2. Unacceptable Risks -Midterm Changes to Insured Vehicles/Drivers and Section 4. Surcharges for additional information. Newly Acquired Vehicles
• Replacement Vehicles If a vehicle is acquired as a replacement for a scheduled vehicle, it will have the same coverage as the vehicle it replaces (exclusive of Physical Damage) as of the date it is acquired by the insured. You must notify us within 14 days of ownership and promptly pay any additional premium due for coverage to apply to accidents occurring within that time period. The replacement vehicle will have no coverage for physical damage until you notify us of the replacement vehicle and request that physical damage coverage be added. Coverage for physical damage on the replacement vehicle will begin at 12:01 am the following day after the process date of the endorsement. If the replacement vehicle is unacceptable under Ohio Auto Program rules and the endorsement adding an ineligible vehicle it is made within the first 90 days of the initial policy term, we will cancel the policy. If the replacement vehicle is added to a policy which has been in effect for 91 or more days, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. Refer to Section 2. Unacceptable Risks – Midterm Changes to Insured Vehicles / Drivers and to Section 4. Surcharges for additional information.
• Additional Vehicles If an additional vehicle (not a replacement vehicle) is purchased midterm, it will be provided the same coverages, exclusive of Physical Damage, that is provided for any vehicle currently listed in the policy Declarations as of the date it is acquired. However, until such time that you ask us in writing to insure the additional car, we will provide insurance up to the minimum set forth in the Ohio Financial Responsibility Law.
These provisions apply only if: • We insure all other vehicles owned by the insured; and • The additional vehicle is reported to us within 14 days of its legal acquisition by the insured; and • The additional premium due for this newly added additional vehicle is paid.
If the additional vehicle is reported 15 or more days after its legal acquisition, it is considered owned and uninsured from the date of acquisition. Any coverage provided for it will begin at 12:01 am the following day after the process date of the endorsement.
Please refer to the policy for additional requirements and coverage information.
Address/Territory Changes Allowed for cities/municipalities listed in the underwriting manual. If the insured relocates outside of the rating territory, the Company must be notified immediately. Refer to Section 4. Surcharges for additional information.
Excluded Operators (Personal Auto Policies Only) A completed exclusion form with the insured’s signature is required prior to excluding any operator. The signed exclusion must be retained by the producer in accordance with Section 1. File Maintenance and Audit Requirements.
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Totaled Vehicles For vehicles that are totaled due to a loss and not retained, the Company must be notified immediately of any replacement vehicle. If a vehicle is totaled and retained by the insured, the physical damage will be deleted from the vehicle effective the day after the loss date. Additional Premium and Credit Endorsements Any change that affects premium will be calculated at rates that were in effect on the term effective date. The premium will be pro-rated. We will bill for any additional premium due, however a cancellation notice is likely to generate unless a portion of the increase is submitted with the change request. We highly recommend collecting a minimum of 50% of the premium difference at the time of the endorsement. Any credit premium will be applied as equity to the policy. All additional premium policy transactions are billed directly to the insured. Credit transactions are refunded to the insured if the policy has been paid in full.
Claims Procedures The insured must immediately report all incidents of claims directly to Founders at (888) 676-4342. A report of a loss by the insured to the agent is not considered an immediate report to Founders. Direct reporting allows for quicker claims handling and relieves the producer of the time and expense of obtaining loss information. Our claims representatives are available to take new claims from 8:00 am to 6:00 pm (CT), and on Saturday from 8:00am to 12:00 pm (CT).
Producers have no authority to assign claims to an adjuster nor authorize rentals or repairs. If any questions arise, have the insured or claimant call us direct.
This procedure will avoid unnecessary delays since producers are not authorized to negotiate claim settlements or approve rentals or repairs on behalf of Founders.
ACCEPTABILITY
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2. ACCEPTABILITY
Suspended, Expired, Revoked or Cancelled License Any driver with a suspended, expired, revoked or cancelled license is not eligible for coverage unless proof of financial responsibility is required to regain their license, or proof of limited driving privileges or a hardship license is submitted with the application.
Financial Responsibility Filings Private Passenger Auto policies with financial responsibility filings may only be written with minimum limits of Bodily Injury (BI) $25,000 each person / $50,000 each accident and Property Damage (PD) $25,000 each accident. All other coverages may still be elected. Named Non-Owners policies and FR Bonds may also be written with financial responsibility filings. The same BI and PD limits restriction apply.
• We will not flat cancel a bound policy where a financial responsibility filing has been made, even in the case of substantial uprates that may result from incorrect information about the driving record of the applicant.
• A non-refundable fee will be charged for each driver requiring an SR-22 filing per policy term. For an SR-22 added mid-term, the full SR-22 fee will be charged at once. Refer to Section 6. Fees for additional information.
• All filings are submitted electronically. • Filings will only be provided for drivers licensed in the States of Ohio, Indiana, Illinois, and Wisconsin. If an
Illinois SR-22 filing is requested, the policy must be written on a 12-month policy term. • All vehicles owned by the driver requiring the filing must be insured on the Founders policy (not applicable
to FR Bonds and Named Non-Owner policies). • The name on the filing must appear exactly as it reads on the driver’s license.
VIN (Vehicle Identification Number) Please verify the VIN against registration or vehicle plate and enter it accurately on the application.
Driver’s Licenses To be eligible for this program, the following types of licenses are acceptable:
• Valid driver’s license; or • Suspended, revoked, expired or cancelled driver’s license when seeking to regain a valid license through a
financial responsibility filing; or • International/foreign driver’s license (if never licensed in the United States); or • Learner’s permit; or • Probationary license; or • Temporary license; or • Interim license.
We will verify the license status of a driver. If the initial license status was suspended, expired, revoked or cancelled, we will verify that the status of that license has returned to valid through a MVR which will be ordered prior to the next policy renewal. If the driver’s license has not returned to a valid status, the policy will be non-renewed and an SR-26 Financial Responsibility Notice of Cancellation will be sent to the state advising them to terminate the SR-22 filing as of end of the current policy term. Refer to Section 2. Unacceptable Applicants/Drivers for more information regarding driver eligibility. Driver’s licenses from the following states are unacceptable: New York, New Jersey, and Michigan. Learner’s Permits Learner’s permit drivers ages 15, 16, and 17 will be rated according to their assigned class factor. Drivers age 18 and older who are learner’s permit drivers or who have held a valid driver’s license for less than one year will be rated
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according to their assigned class factor and an additional inexperienced driver surcharge will also apply. Refer to Section 4. Points for more information regarding inexperienced drivers. International/Foreign Licenses Driver’s Licenses (If Never Licensed in the United States) Drivers with an international/foreign driver’s license (if never licensed in the United States) are acceptable, subject to a rate surcharge. Refer to Section 4. Points for additional information. The rate surcharge applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License. Out of State Driver’s Licenses
• Valid driver’s licenses from Ohio, Illinois, Indiana and Wisconsin are acceptable. • Driver’s licenses from New York, New Jersey and Michigan are not acceptable. • Valid out-of-state licenses from states other than those listed above are acceptable, subject to a rate
surcharge. Refer to Section 4. Points for additional information. The rate surcharge applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License.
Suspended / Expired / Revoked / Cancelled Driver’s Licenses Drivers with suspended, expired, revoked or cancelled licenses are unacceptable, unless they are seeking to regain their license through a financial responsibility filing. Drivers with permanently revoked licenses are unacceptable.
Driver Exclusions (Personal Auto Policies) A signed driver’s exclusion form is required on all persons of legal driving age living in the household who are not being listed as drivers on the policy. A completed exclusion form with the insured’s signature is required prior to excluding any operator. It is not acceptable to exclude a named insured.
The exclusion may be withdrawn upon a signed request by the named insured. The request must include all necessary driving information on the excluded driver, including date of birth and driver’s license number. Signed driver exclusion forms must be retained by the producer in accordance with Section 1. File Maintenance and Audit Requirements.
Any non-licensed household member or non-rated driver age 15 and older must be listed and excluded. Operators with a suspended, revoked, expired or cancelled license must be excluded unless proof of financial responsibility is required to regain their license.
Medical Certification Requirements 1. For new business, a physician’s statement is required for all drivers age 70 and older. 2. A physician’s statement may be required for drivers age 76 and older as a condition for renewal. 3. A physician’s statement is required for any driver of any age who is physically1 or mentally impaired and/or
a driver that requires a specially equipped vehicle.
A physical examination is not required. The physician’s statement must be provided no later than 15 days after the policy effective date, the date that the driver is added to the policy, or when requested by Founders.
Listed Operators / Non-Licensed Household Residents (Personal Auto Policies) We must be notified of the following:
Rated Drivers All drivers, regardless of age, who operate the insured vehicle(s) on a regular basis even if they reside outside the named insured’s household. A regular and frequent operator is an operator who drives or anticipates driving a listed vehicle either 52 days or more in a calendar year or an average of one day a week or more during the policy period. Failure to report all regular and frequent operators to the Company may constitute material misrepresentation of
1 Physical impairments include, but are not limited to: epilepsy; stroke; heart attack; diabetes; cerebral palsy; loss of an eye; or loss of a limb.
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risk resulting in denial of coverage. All members of the household age 15 and older, regardless of whether they are a “regular and frequent” operator, must be rated or excluded on the application or when reported within 14 days of becoming a household resident. Permit drivers should be listed as a driver and rated. Students living away at school must be listed and rated if they meet the definition of a “regular and frequent” operator. Household residents who have their own auto insurance do not need to be disclosed/reported to Founders. Underage Household Residents / Non-Licensed Household Residents All unlicensed persons age 15 and older who reside in the named insured’s household must be listed and excluded on the application. The insured must notify Founders within 14 days of any person who becomes a household resident, or is a current resident who reaches the age of 15 after the date of application. The insured must notify Founders when an underage household resident or non-licensed household resident obtains a learner’s permit and again when that individual obtains a permanent driver's license.
The policy may be rescinded or coverage may be denied if an undisclosed driver is operating an insured vehicle at the time of an accident. Unacceptable Risks - All Coverages Unacceptable Applicants/Drivers
1. Personal Auto policies only - Any applicant or operator with more than 15 major, minor, alcohol/drug or at-fault accident points. (Refer to Section 4. DISCOUNTS, POINTS AND SURCHARGES.)
2. FR Bonds only - Any applicant with more than 10 major, minor, alcohol/drug or at-fault accident points. (Refer to Section 4. DISCOUNTS, POINTS AND SURCHARGES.)
3. Operators without: • A valid driver’s license (except a driver with a suspended, revoked, expired or cancelled driver’s license
status seeking to regain his license through a financial responsibility filing); or • An international/foreign driver’s license (if never licensed in the United States); or • A learner’s permit; or • A probationary driver’s license; or • A temporary driver’s license; or • An interim driver’s license.
4. Drivers with licenses issued in New York, New Jersey, and Michigan. 5. Any applicant with more than two major violations, or more than two at fault accidents, or more major
violations and at fault accidents than a combination of one major violation and one at fault accident, or of more than one alcohol related conviction in the past 36 months. Refer to Section 5. Violation/Accident Determination for additional information.
6. Drivers with any violations that include: a. Vehicular assault; or b. Vehicular or Aggravated Vehicular Homicide; or c. Vehicular Manslaughter; or d. Aggravated Vehicular Manslaughter or Homicide With Alcohol; or e. Felony Involving Use of a Motor Vehicle.
7. Operators under the minimum age for state licensing, except those with a temporary permit. 8. Policies where an operator has a permanently suspended or revoked license, unless that operator is
excluded from coverage. 9. Operators (other than the named insured) with a suspended, expired, revoked or cancelled license must be
excluded unless proof of financial responsibility is required to regain their license. Refer to Section 2. Driver Exclusions for additional information.
10. SR-22 filing(s) in states other than Ohio, Illinois, Indiana and Wisconsin.
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11. Any driver who is physically or mentally impaired1 and/or a person that requires a specially equipped vehicle unless a written physician’s statement is provided. Refer to Section 2. Medical Certification Requirements for additional information.
12. Applicants/named insureds who are not living in Ohio (or stationed in Ohio, if Military) at least 10 months out of the year.
13. FR Bonds and Named Non-Owner policies only - Drivers who work as driver employees or independent contract drivers for vehicle transportation network companies (TNCs) such as Uber, Lyft, etc.
14. Persons who have had a policy canceled by Founders for loss experience or misrepresentation. 15. Applicants who have been convicted of insurance fraud. 16. Persons employed in illegal enterprises and occupations. 17. Students with vehicles not garaged at the same location as the named insured. 18. Individual who is nationally or locally well known to a large segment of the population. 19. Named insured(s) who have never been licensed (except a non-licensed spouse). 20. Applicants without a telephone number where they can be reached.
Unacceptable Vehicles 1. Vehicles not garaged in Ohio. All insured vehicles must be garaged at the same physical address.
Addresses for P.O. Boxes or similar centralized mail pick up facilities are not acceptable for a vehicle garaging address.
2. Vehicles not owned or leased by: • The named insured; or • A single-member Limited Liability Corporation (LLC) owned by the named insured; or other listed
operators (rated or excluded). 3. Vehicles owned by a business organization, corporation, partnership, all other types of Limited Liability
Corporation (LLC), etc. 4. Any vehicle that is rented or leased for a period of less than 12 months. 5. Additional interest endorsements are not allowed, except for leased vehicles. 6. Vehicles that are registered/titled as any of the following types: antique; assembled; collector; classic;
custom; historic; hobbyist; livery; specially constructed; or street rod. 7. Any vehicles that are regularly available to non-listed driver(s). 8. Emergency vehicles/racing vehicles/show vehicles. 9. Automobiles used full- or part-time in any type of wholesale or retail delivery, including pizza, magazines,
newspapers, mail or packages. 10. Any vehicles used in an applicant’s occupation for hauling materials (other than tools), and hauling for hire. 11. Vehicles used commercially2, unless meeting eligibility requirements for business use. Please refer to
Section 3. Business Use for further detail regarding acceptable business use of insured vehicles and to Section 4. Points for information regarding business use rating.
12. Permissive use of an insured vehicle for business purposes. 13. Commercial vehicle types such as a Step Van, Panel Truck, Cutaway Van, Dump Truck, and/or Wide Load
Escort Vehicle. 14. Vehicles equipped and/or used for snow plowing. 15. Vehicles transporting explosives, chemicals, radioactive materials or flammable substances. 16. Vehicles used for public/private livery (including a vehicle transportation network company (TNC) such as
Uber, Lyft, etc.) or taxi service including vehicles used to transport nursery or school children, migrant workers, or hotel or motel guests, or vehicles used in religious, charitable, or social work to transport church members, the elderly, sick or disabled persons.
A limited exception to this program eligibility exclusion may be allowed for up to a maximum of two (2) listed operators who are using an insured vehicle while engaged as an authorized TNC driver. Refer to
1 Physical impairments include, but are not limited to: epilepsy; stroke; heart attack; diabetes; cerebral palsy; loss of an eye; or loss of a limb.
2 Commercial use of a vehicle includes permissive use of an insured vehicle by a 3rd party in exchange for compensation.
ACCEPTABILITY
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Section 3. Limited Transportation Network Driver Coverage (No Passenger) for details regarding both eligibility requirements and the scope of coverage available to eligible listed operators.
17. Vehicles used in car sharing programs.1 18. Vehicles leased or rented to other drivers by the applicant. 19. Trucks and vans considered “heavy duty” (over 9,800 lbs. GVW), such as the Ford F350 or E350 and their
equivalents from any other manufacturer are unacceptable for any type of vehicle usage. 20. Propane powered vehicles. 21. Neighborhood Electric Vehicles.2 22. Vehicles not registered for street use. Examples include dune buggies, kit cars, golf carts and ATVs. 23. Vehicles which are not roadworthy. 24. Salvaged vehicles, unless the vehicle has been rebuilt and properly certified with the Ohio Department of
Motor Vehicles. 25. Gray market vehicles.3 26. Vehicles with more or less than four wheels. 27. Vehicles equipped with altered suspensions. “Altered” is defined as homemade, custom-built, or modified,
and includes lift kits greater than four (4) inches (usually installed on off-road vehicles or street rods). 28. Vehicles modified from factory specifications for use. This includes, but is not limited to, stretch
limousines. 29. Any vehicle used as a motorized home. 30. Recreational vehicles and campers. 31. Vehicles equipped with cooking equipment or bathrooms.
Unacceptable Vehicles - Physical Damage The following vehicles are unacceptable for Physical Damage:
1. All vehicles/usage listed as unacceptable for all coverages. 2. Physical Damage coverage on any auto over fifteen (15) years old, or less than fifteen (15) years old when
the applicant feels the value of the vehicle exceeds the value of vehicles of similar type and condition. 3. Custom cars, including any vehicle that has been modified from its original factory designed specifications. 4. Vehicles with an ISO symbol greater than 22 (1990-2010 model years), or greater than 49 (2011+ model
years). 5. Vehicles no longer in production or where parts availability is limited. 6. Stated-value policies. 7. Trailers of any kind. 8. Conversion vehicles (vans, pickups or utility vehicles). 9. Aluminum or composite body. 10. Salvaged or rebuilt vehicles. 11. Physical damage only policies.
1 Participants in car sharing programs are paid a fee in exchange for providing permissive use of an insured vehicle by an unrelated 3rd party.
2 Neighborhood Electric Vehicles (NEVs) are battery electric vehicles that are usually built to have a top speed of 25 miles per hour, and have a maximum loaded weight of 3,000 lbs. Examples include the Polaris GEM and all vehicle models from Cart-Rite.
3 A Gray Market Vehicle is a vehicle that is normally sold in the United States with an express written warranty, but has been imported through a channel other than a manufacturer’s authorized distributor, and therefore does not have an express warranty that is valid in the United States.
ACCEPTABILITY
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Unacceptable Vehicles – Physical Damage – Specific Makes/Models
Unacceptable Risks – Midterm Changes to Insured Vehicles / Drivers If an endorsement is made to a policy that has been in effect for 90 days or less, which makes the risk ineligible for the program for any reason, we will cancel the policy. If changes are reported and/or an endorsement is made to a policy that has been in effect for 91 or more days which make the risk ineligible for the Ohio Auto Program & Financial Responsibility Bond Program for any reason, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. In addition, the policy may be subject to a midterm rate surcharge. Refer to Section 4. DISCOUNTS, POINTS AND SURCHARGES for additional information.
Make Models Make Models Alfa Romeo All Models Lancer All Models ARO All Models Lancia All Models Aston Martin All Models Lotus All Models Austin Healy All Models Maserati All Models Avanti All Models Maybeck All Models Bentley All Models Mercedes B Electric BMW I3 Electric Mitsubishi I-Miev Bugatti All Models Nissan/Datsun 280 ZX, 300 ZX, Z, 300 ZX Turbo, 350 Z, 370 Z, Leaf Cadillac Escalade Peugeot All Models Chevrolet Bolt EV LT, Bolt EV Premier,
Corvette, Spark EV, Spark EV 2LT Plymouth Prowler
Chrysler Maserati TC, Prowler Porsche All Models Daihatsu All Models Puma All Models DeLorean All Models Renault All Models Dodge Viper Rolls Royce All Models Duesenberg All Models Shelby All Models Excalibur All Models Smartcar Fortwo Electric Drive Ferrari All Models Sterling All Models Fiat Spider, 500 E Suzuki All Models Ford Focus Electric, Think Tesla All Models Honda Fit EV Toyota Supra, Rav4 EV Hummer All Models Triumph All Models Jaguar All Models TVR All Models Kit All Models Volkswagen G 60 Vanagon, E-Golf Lamborghini All Models
COVERAGE INFORMATION
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3. COVERAGE INFORMATION
Following is information regarding coverage available under the Founders Ohio Auto Program & Financial Responsibility Bond Program. Unless otherwise described below, rates for these coverages are located in the Ohio Auto and Ohio FR Bond Rates pages.
BI/PD Ohio minimum financial responsibility limits for Bodily Injury are $25,000/$50,000 and $25,000 for Property Damage.
Coverage Limits Options
BI $25,000/$50,000 $50,000/$100,000 $100,000/$300,000
PD $25,000 $50,000
Limits must be the same on each vehicle of a multi-car risk.
Policies with any drivers requiring a SR-22 filing can only be written with BI and PD limits of 25/50/25. Refer to Section 2. Financial Responsibility Filings rule. Increased BI/PD Limits Requirements To be eligible for 100/300/50 limits, the risk must qualify under all of the following rules:
1. Within the prior 36-month period, no listed driver may have: • Any major violations; or • Any at-fault accidents; or • 6 or more violation points for all other types of moving violations. Refer to Section 4. Points for additional information.
2. The named insured must be 24 years of age or older. 3. Drivers must have a verifiable MVR from an acceptable state.
UM/UIM Bodily Injury Uninsured and Underinsured Motorist Bodily Injury Coverages are optionally available. UM/BI and UIM/BI Coverage Requirements By completing the UM/UIM/BI coverage section of the application, the insured may:
1. Select UM/UIM/BI limits equal to or lower than those of Bodily Injury Liability (higher limits may not be selected). BI limits availability is subject to Increased Limits Requirements defined under Section 3. BI/PD and Section 2. Financial Responsibility Filings.
2. If the minimum bodily injury limits of 25/50 are selected, the insured may only elect Uninsured Motorist coverage (UM) limits of 12.5/25 or 25/50. Underinsured Motorist coverage (UIM) is not available.
3. UIM/BI limit (when available) must be selected at the same limit as selected UM/BI limit. 4. The limits selected for BI, UM/BI and UIM BI must be equal on each car of a multi-car risk.
COVERAGE INFORMATION
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Limits Options The following charts displays available limits pairings for UM/BI and UIM/BI Coverage, based upon the policy Bodily Injury (BI) limit.
Bodily Injury (BI) Limits Available Uninsured Motorist (UM/BI) Limits
Available Underinsured Motorists (UIM/BI) Limits
25/50 No UM/BI desired UIM/BI not available 25/50 12.5/25 UIM/BI not available 25/50 25/50 UIM/BI not available
Bodily Injury (BI) Limits Available Uninsured Motorist (UM/BI)
Limits Available Underinsured Motorists
(UIM/BI) Limits 50/100 No UM/BI desired UIM/BI not available 50/100 12.5/25 UIM/BI not available 50/100 25/50 UIM/BI not available 50/100 50/100 50/100
Bodily Injury (BI) Limits Available Uninsured Motorist (UM/BI)
Limits Available Underinsured Motorists
(UIM/BI) Limits 100/300 No UM/BI desired UIM/BI not available
100/300 12.5/50 UIM/BI not available 100/300 25/50 UIM/BI not available 100/300 50/100 50/100 100/300 100/300 100/300
UM/PD Uninsured Motorists/Property Damage coverage of $7,500 is optional. UM/PD Coverage Requirements
1. UM/PD is not available without UM/BI. 2. UM/PD is applicable for all vehicles written with liability coverage only on a multi-car risk. 3. UM/PD coverage is not available on cars with Collision coverage.
Medical Payments Limits Options $500 $1,000 $2,000 $5,000
Excess Medical Payments coverage is provided on a per-person basis. Limits must be the same on each vehicle of a multi-car risk.
Comprehensive/Collision Available Deductibles
$250 $500 $1,000
1. On multi-car policies, all vehicles do not have to have physical damage. 2. Comprehensive and Collision must be purchased together. These coverages are available only when BI/PD
has been purchased; physical damage coverage only is not acceptable. 3. Comprehensive and Collision deductibles may be different per vehicle.
COVERAGE INFORMATION
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Add-On Equipment Coverage Rule Physical Damage coverage, when included, is provided for standard or optional equipment which is or was available from the manufacturer for the make, model and model year of the vehicle, but does not include any conversions or any equipment that is listed below.
The applicable rates for Comprehensive and Collison coverage in this program are calculated to exclude all add-on equipment defined as follows:
1. CB radios, antennas and accessories. 2. All tape players and CD players and accessories. 3. Camper, pick-up tops and shells. 4. Utility trucks. 5. Any sun roof, moon roof, I- or T-bar roof, Landau roof, bubble dome, bubble window, or other deluxe roof
treatment. 6. Any swivel chairs, captain seats, appliances, furniture, special carpeting, paneling or other equipment or
accessories which modify the use or appearance of the interior of the vehicle. 7. Any two-tone or custom paint work. 8. Customized or rebuilt bodywork (custom paint, murals, smoked glass, mirrors, decals, special tires, chrome,
reverse chrome, alloy, aluminum or magnesium wheels or wheel covers, etc.). 9. Customized or rebuilt engine work (turbochargers, chrome engine accessories, racing slicks, tachometers
or pressure gauges, etc.). 10. Any non-factory installed equipment used to either mechanically or structurally modify the automobile
which results in an increase in performance or a change in appearance.
Note: Physical Damage coverage is not available for any car telephone equipment, televisions, radar detectors or home high fidelity equipment.
Towing and Labor Limits Offered
• $50 limit per occurrence • $75 limit per occurrence
Optional Towing and Labor coverage is available only when Comprehensive and Collision coverages have been purchased. Coverage is limited to one occurrence per 6-month policy period or two occurrences per 12-month policy period.
Emergency Roadside Assistance Optional Emergency Roadside Assistance coverage, which includes 24/7, 365-day dispatch services, is available for all policies. Services include the following:
• Towing up to 25 miles to the nearest servicing facility or location of the insured person’s choice; • Mechanical first aid at the location of disablement; • Lock-out service; • Emergency delivery of supplies; • Tire changing service; • Emergency battery service; • Extrication and winching; and • Other typical roadside assistance services, as described in the provider materials.
Covered services may be accessed up to five (5) times in a 12-month policy term, or up to three (3) times in a 6-month policy term.
Coverage is not available for FR Bonds.
COVERAGE INFORMATION
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Rental/Transportation Expenses Limits Offered • $25 per day, subject to a 15-day maximum of $375 • $30 per day, subject to a 20-day maximum of $600
The rental allowance is provided when a vehicle must be rented due to covered Comprehensive or Collision loss to an insured vehicle. In the event of a covered loss, Liability and Physical Damage on an insured car will extend to a rented car, if it is a temporary substitute car.
Optional Rental/Transportation Expenses coverage is available only when Comprehensive and Collision coverages have been purchased.
Named Non-Owner Policy Named operator policies provide excess liability protection for the named insured (and his or her spouse, if a resident of same household as the named insured) while driving non-owned private passenger autos. There is no coverage afforded for any other person. Named Non-Owner policies are not available if any household resident has regular access to a vehicle or if the insured operates a vehicle used for commercial purposes.
• Coverage includes Bodily Injury and Property Damage. The following coverages are also available: o UM/BI (Refer to Section 3. UM/UIM/Bodily Injury for additional information regarding available
limits.) o Medical Payments o Legal Expense
• Limits available for Named Non-Owner Policies: o $25,000/$50,000 for Bodily Injury and $25,000 for Property Damage o $50,000/$100,000 for Bodily Injury and $50,000 for Property Damage
• Financial responsibility filings are acceptable. If a FR filing is required, minimum limits of 25/50/25 must be elected.
• Business/Artisan use of a non-owned vehicle is not acceptable, including public/private livery. A named insured or their spouse who work as driver employees or independent contract drivers for vehicle transportation network companies (TNCs) such as Uber, Lyft, etc. are not acceptable for a Named Non-Owner Policy. Refer to Section 2. Unacceptable Risks – All Coverages.
• The following coverages are not available under a Named Non-Owner Policy: o UIM/BI o UM/PD o Comprehensive/Collision o Towing o Rental/Transportation o Limited Transportation Network Driver Coverage o Accidental Death o Basic Tenant Personal Property and Liability Enhancement Endorsement
Liability Only Policies A premium discount will be applied to Bodily Injury and Property Damage coverages on policies for which all vehicles are only provided liability coverage. The applicable discount factor is located in the Ohio Private Passenger Auto Rates pages. Policies providing Non-Owner liability insurance to applicants/insureds who do not own or have regular use of a vehicle are not eligible for this premium discount factor.
Financial Responsibility Bond FR Bonds are designed for individuals age 16 or older who wish to purchase only the minimum coverage to comply with Ohio’s financial responsibility law, such as to make a financial responsibility filing with the BMV. A bond provides no coverage for any driver other than the principal. A bond provides only liability coverage for limits of 25/50/25. It
COVERAGE INFORMATION
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does not provide higher limits or additional coverages such as Medical Payments, UM, UIM or Physical Damage. Refer to Section 2. Driver’s Licenses for licensing requirements information.
Any principal driver who is physically or mentally impaired1 and/or a principal driver that requires a specially equipped vehicle must provide medical certification of ability to safely operate a motor vehicle. Refer to Section 2. Medical Certification Requirements.
Business or commercial use is unacceptable for a bond unless the principal can supply evidence of underlying insurance. If the underlying insurance is canceled, the bond will be canceled effective the same day. Drivers who work as driver employees or independent contract drivers for vehicle transportation network companies (TNCs) such as Uber, Lyft, etc. are not acceptable.
Limited Transportation Network Driver Coverage (No Passenger) Transportation network or rideshare companies (TNCs) are organizations that provide an online-enabled application or digital network to connect passengers with drivers using the insured’s owned vehicle(s) to provide prearranged transportation services for compensation.
Claims arising out of the use of an insured vehicle by an operator participating as a transportation network company driver are specifically excluded under our policy and TNC vehicle use is ineligible under the Ohio Auto Program vehicle eligibility rules unless each of the following conditions are met:
1. The Limited Transportation Network Driver Coverage (No Passenger) endorsement is attached to the policy, which identifies the TNC driver(s).
2. No more than two listed drivers/regular operators of the insured vehicles are TNC drivers. TNC drivers must have a valid Ohio driver’s license.
3. The Named Insured cannot provide insured vehicles to the listed TNC drivers as part of a commercial arrangements such as a lease, fee-based arrangement or similar. This is considered a commercial use of an insured vehicle, which is ineligible not only for this optional coverage but also is unacceptable for any coverage under the Ohio Auto Program. Refer to Section 2. Unacceptable Risks – All Coverages.
Applicants/insureds, listed drivers and their vehicles are not eligible for the Ohio Auto Program if any operator is engaged as a TNC driver unless they qualify for and purchase the Limited Transportation Network Driver Coverage (No Passenger) endorsement.
The Limited Transportation Network Driver Coverage (No Passenger) endorsement modifies the public or private livery use exclusions applicable to BI, PD, UM, UIM, Medical Payments and physical damage allowing coverage for the period of time from when the TNC driver identified in the endorsement logs into a “transportation network platform” up until the that TNC driver accepts a request through the “transportation network platform” to transport a passenger. (This period is commonly referred to as “TNC Insurance Coverage Period 1.”) This modified policy exclusion only applies to the driver(s) identified in the endorsement.
Refer to the Ohio Private Passenger Auto Rates pages for information regarding the additional premium charge for this endorsement.
Coverage is not available for FR Bonds or Named Non-Owner policies.
Business Use Applies to a very limited segment of business use when the vehicle is required by or is customarily used in the duties of the insured and is used exclusively by the insured while operating the auto in their occupation, profession, or business, other than farming/ranching or going to/from their principal place of employment. Typical examples of allowable business use would be outside salespeople, realtors, etc. Vehicles used by tradesmen are acceptable if they are used to transport the insured’s tools, equipment and incidental supplies to and from a job location, provided that the vehicle is principally parked at the job location for most of the working day, and it is not moved from site to
1 Physical impairments include, but are not limited to: epilepsy; stroke; heart attack; diabetes; cerebral palsy; loss of an eye; or loss of a limb.
COVERAGE INFORMATION
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site. Use of an owned auto by a 3rd party (whether a listed driver or permissive user) in exchange for any type of a lease, fee-based arrangement or similar is an unacceptable commercial use under the Ohio Auto Program.
Most types of commercial use of a vehicle are unacceptable and are not eligible for any coverage in the Ohio Auto Program. Refer to Section 2. Unacceptable Risks – All Coverages.
Additional interest endorsements are not allowed, except for leased vehicles. Please refer to Section 4. Points for information regarding the business use rating points.
Legal Expense Founders Insurance Company will reimburse the named insured, up to $1,000, for attorney’s fees and expenses incurred by the named insured for services rendered by an attorney to defend the named insured against citation(s) alleging a moving violation.
The insured will select an attorney of his/her choice. Founders Insurance Company will not select/provide an attorney - we will only reimburse for eligible expenses up to a $1,000 per term maximum.
Proof of loss must include a copy of the citation(s) and a copy of any bills or invoices incurred by the named insured for services rendered by his or her attorney to defend the named insured against citation(s) alleging a moving violation while driving an owned automobile.
Coverage is not available for FR Bonds.
Accidental Death Founders Insurance Company will pay to the estate of the named insured the sum of $5,000 for death of the named insured occurring within ninety (90) days of, and resulting from, accidental bodily injuries sustained by the named insured as a result of operating, driving, or riding in his owned automobile.
Written proof of loss must be given to Founders within ninety (90) days of death. Failure to furnish such proof within the time required shall invalidate any claim if it was reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the case of legal incapacity, later than one year from the time proof is otherwise required.
Coverage is not available for FR Bonds or Named Non-Owner policies.
Basic Tenant Personal Property and Liability Enhancement Coverage Coverage under this optional endorsement is for both Personal Property and Personal Liability associated with the insured’s non-owned residence premises. This coverage pays up to $10,000 for loss or damage to personal property from named perils (sublimits apply) and up to $15,000 for personal liability for defined bodily injury and property damage occurring during the policy period. A $500 deductible will apply to a personal property loss unless the loss is caused by burglary, theft or robbery, in which case a deductible of $1,000 will apply.
Please note that this endorsement is not a comprehensive renters insurance policy. Founders does offer this type of policy under its Ohio HOME 4 Renters Program.
Coverage is not available for Named Non-Owner policies or FR Bonds.
DISCOUNTS, POINTS AND SURCHARGES
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4. DISCOUNTS, POINTS AND SURCHARGES Except where noted, discounts, points and surcharges apply to Bodily Injury, Property Damage, Comprehensive and Collision premiums and are applied as described in this section. Discounts, points and surcharges shown do not apply to the premiums for Medical Payments, Uninsured Motorist (UM/BI; UM/PD), Underinsured Motorist (UIM/BI) or for the optional coverages for Limited Transportation Network Driver Coverage, Legal Expense, Accidental Death, Towing and Labor, Rental/Transportation Expenses, and Basic Tenant Personal Property and Liability Enhancement Coverage.
Maximum Discount Amounts Discounts and points are additive prior to calculating the rate. The total combined sum of the discounts and points is subject to the maximum discount.
• The maximum discount allowable for any personal auto policy other than a Named Non-Owner Policy is 40%. This maximum discount amount does not include the Liability Only discount described under Section 3. Liability Only Policies.
• The maximum discount for a Named Non-Owner policy is 58%. • The maximum discount for a FR Bond is 8%.
Discounts Discount Name Discount Details Multi-Car Discount1 25.0% Available on all multi-car policies. Discount applies to premiums for
all vehicles on the policy. Homeowners Discount1 10.0% Discount will be given on a policy that meets the following criteria:
1. The named insured must own and reside in a one-, two-, three- or four-family home or condominium. Mobile home, commercial, investment or vacation property ownership will not qualify for this discount. Renters do not qualify for the discount.
2. A copy of the current declarations page for the homeowner’s policy (HO1, HO2, HO3, HO5, HO6 or HO8) must be obtained by the producer and retained in the agency file.
3. The insured’s name and property address on the homeowner’s policy must be the same as the insured’s name and mailing address on our policy.
Paid in Full Discount Applies to all programs
8.0% Applicable for any direct bill policy where the premium is paid in full at inception by the applicant/insured.
Senior Operator Discount1 (Over Age 55/Defensive Driver Course Completed)
5.0% Discount will apply to a vehicle when the rated operator is: • 55 years old or older; and • has held a valid driver’s license for at least 1 year; and • has completed a BMV approved defensive driving course within
the previous 3-year period. Proof of course completion must be obtained by the producer and retained in the agency file.
1 Not applicable to FR Bonds or Named Non-Owner policies.
DISCOUNTS, POINTS AND SURCHARGES
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Discount Name Discount Details Accident Free Renewal Discount (FIC Renewals Only)1
Available at renewals if there have been no at-fault accidents resulting in a claim paid or payable under our policy based on the following:
3.0% At 6-month renewal 6.0% At 12- month renewal
A maximum 30-day lapse in coverage is allowed. In the event an insured has an at-fault accident under our personal auto policy, these discounts will not be available until the insured has been loss free for a minimum of twelve (12) months. Refer to Section 5. Violation/Accident Determination for the definition of not-at-fault (NAF) accidents.
Advance Purchase Discount2 (Private Passenger Auto Only)
Varies2 Applied to private passenger auto policies written as new business effective on or after 02/13/2019.
If the Company quote is initiated by the customer in advance of the policy effective date as set forth in the corresponding rate factor pages. The discount amount varies, based on the date when the new business applicant quote process begins and the purchase transaction is completed in relation to the policy effective date. The discount amount applicable to the first policy term shall apply to all subsequent renewals.
In order to be eligible for the discount, the customer must have acceptable proof of prior insurance with no lapse in coverage. Refer to Section 5. Prior Insurance Factor for additional information.
Named Non-Owner 50.0% Applies to all Named Non-Owner policies. Applicant cannot have regular use of vehicle to qualify. This discount is applied to the Bodily Injury and Property Damage premium only.
1 Not applicable to FR Bonds or Named Non-Owner policies. 2 Refer to the Ohio Private Passenger Auto Rates pages for the discount amounts.
Points Points are assigned as described below. The rating period for points attributable to at-fault accidents and/or violations is 36 months. Refer to the Ohio Auto Private Passenger Rates and Ohio FR Bond Rates pages for the applicable rate factor associated with total points.
Point Assignment - Personal Auto and FR Bond Points DUI
For DUI, DWI, Implied Consent, Refusal of Test, Illegal Transport, or any other alcohol or drug related occurrence.
One DUI 5 Each additional DUI 10 Major Violations
For speeding more than 30 mph over posted limit, passing a stopped school bus, railroad crossing violations, texting while driving, reckless driving, hit and run, leaving the scene of an accident, fleeing, eluding police, disregard for safety, drag racing or speed contest.
First violation 5 Each additional violation 10
DISCOUNTS, POINTS AND SURCHARGES
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Point Assignment - Personal Auto and FR Bond Points Minor Violations
For all other moving violations. First, second and third violation 1 Each additional violation 3 At-Fault Accidents
Refer to Section 5. Violation/Accident Determination for the definitions of at-fault accidents, “minor” at-fault accidents and Not-At-Fault (NAF) violations and for information on documentation required to verify accidents that are NAF or “minor” at-fault accidents. If Founders later discovers an accident involving a listed driver that the applicant/insured failed to disclose on the application, that accident will be classified as “other at-fault” and the points applied.
One “minor” at-fault accident Results in no bodily injuries and resultant total property damage of $500 or less; supporting documentation must be provided by the applicant/insured at the time of application and retained in the agency file.
1
Other at-fault accidents 5 Each additional at-fault accident 8 Financial Responsibility Filing (FR Bonds Only)
Applies when an SR-22 filing has been provided for the Financial Responsibility Bond driver.
2
Inexperienced Driver (FR Bonds Only)
FR Bond driver has a learner’s permit or has been licensed in the United States for less than 1 year (applies to age 18 and older drivers only).
4
Ineligible Risk Surcharge (FR Bonds Only)
Applies to a bond that becomes ineligible after the first 90 days, due to a change. If a requested change to a bond that has been in effect for 91 or more days makes the risk unacceptable, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. We will apply the surcharge from the effective date of the requested change until the cancellation or non-renewal. Surcharge applies only to bonds which become unacceptable due to a change; it does not apply to new business.
20
License Type (FR Bonds Only)
The points applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License.
Out of State Driver’s License (excluding IL, IN and WI) Driver’s Licenses from New York, Michigan and New Jersey are unacceptable
2
International/Foreign Driver’s License (if never licensed in the United States) 2 Business Use (FR Bonds Only)
Applies to acceptable business use occupations. Refer to Section 3. Business Use for examples.
5
DISCOUNTS, POINTS AND SURCHARGES
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Surcharges (Personal Auto Policies Only)
Surcharges are assigned as described below. Refer to the Ohio Private Passenger Rates pages for the surcharge factors.
Surcharge Description Surcharge License Type
The rate surcharge applicable to these types of driver’s licenses will be removed pro-rata with the issuance of an Ohio Driver’s License.
• Valid Driver’s License (OH, IL, IN and WI) 0.0% • International/Foreign Driver’s License (if never licensed in the United States) 10.0% • Out of State Driver’s License (excluding IL, IN and WI)
Driver’s licenses from New York, Michigan and New Jersey are unacceptable 10.0%
Inexperienced Driver Driver has a learner’s permit or has been licensed in the United States for less than 1 year (applies to age 18 and older drivers only).
20.0%
Financial Responsibility Filing
Applies to each driver on a policy written with, or endorsed to add, a driver(s) for which an SR-22 filing has been provided. Applies when an SR-22 filing has been provided for a driver(s). The surcharge applies to each driver with a SR-22.
13.0%
Business Use
Applies to acceptable business use occupations. Refer for Section 3. Business Use for examples. For additional information regarding eligibility, endorsement and additional pricing for Transportation Network Company (TNC) drivers, refer to Section 3. Limited Transportation Network Driver Coverage (No Passenger).
20.0%
Ineligible Risk Applies to a policy that becomes ineligible after the first 90 days, due to a policy change. If a requested change to a policy that has been in effect for 91 or more days makes the risk unacceptable, we will cancel or non-renew at the first available opportunity, within the limits of the cancellation and non-renewal laws. We will apply a rate surcharge to the Bodily Injury, Property Damage, Comprehensive and Collision premium from the effective date of the requested change endorsement until the cancellation or non-renewal. The Ineligible Risk Surcharge applies only to current policies which become unacceptable due to a change; it does not apply to new business.
200.0%
Ineligible Midterm Replacement Vehicle – Physical Damage Applies when an unacceptable vehicle is added to the policy midterm as a replacement for a vehicle with Physical Damage Coverage. This surcharge does not apply to new business. When this occurs, the replacement vehicle will be assigned to the highest ISO physical symbol available under the Ohio Auto Program (based on the replacement vehicle’s model year), and the Comprehensive and Collision premiums for the ineligible vehicle will be subject to a rate surcharge. We will apply the surcharge from the effective date of the endorsement until the cancellation or non-renewal.
100.0%
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OH-PPA/FR BOND Page 24 Effective 02/03/20 NB & 03/07/20 RN
5. RATING
Premium Determination 1. Personal Auto Policies Only - Liability and Physical Damage coverages as selected by applicant. 2. The territory is based on the ZIP code in which the vehicles are garaged. 3. The age, sex and marital status of each driver is used for the driver class. The highest rated driver will be
assigned to the highest rated vehicle. Widowed drivers will be rated the same as our married class. Refer to Section 5. Driver Class Determination rules for additional driver classification information. • MVRs are ordered on every risk for all listed drivers. Encourage the applicant to disclose their complete
driving record to avoid premium adjustments. • Driver exclusions are available at the insured’s request. (Not applicable to FR Bonds or Named Non-
Owner policies.) Any non-rated driver age 15 and older must be disclosed and excluded. Refer to Section 2. Driver Exclusions (Personal Auto Policies) for additional information.
4. Points developed from violations and at-fault accidents per the experience period are added. The total points amount will determine the applicable point factor for rating purposes. All accidents are chargeable unless proof of no-fault is retained in your agency file. Refer to Section 5. Not-At-Fault Accidents (NAF) for documentation requirements. We charge for the highest rated violation from a single occurrence except in the event of a DUI or a TEXTING WHILE DRIVING VIOLATION and an at-fault accident resulting from the same occurrence.
The total sum of all applicable violation and at-fault accident points will determine the point factors for rating purposes. The point factors only apply to BI, PD, COMP, and COLL premiums. The point factors are located in the Ohio Private Passenger Auto Rates and the OH FR Bond Rates pages.
5. Discounts and points are additive prior to calculating the rate and are subject to the maximum discount as described in Section 4. DISCOUNTS, POINTS AND SURCHARGES.
6. Discount/point factor adjustments to BI, PD, COMP, and COLL premiums are applied, if appropriate. 7. Appropriate surcharges are applied, if applicable. Refer to Section 4. Surcharges. 8. Discounts/points/surcharges do not apply to any optional coverages. (Refer to Section 4. Discounts and
Points.) 9. Personal Auto Policies Only - For multi-car risks, the highest rated driver (based on driver class, total points
and total surcharges applicable to that driver) is assigned to the highest rated vehicle, second highest rated driver to the second highest rated vehicle, etc. If there are more vehicles than drivers, remaining vehicles will be rated with the lowest class driver on the policy with 0 points.
10. Personal Auto Policies Only – For policies with no physical damage coverage, apply the liability only rating factor to the base rates for BI and PD. (Not applicable to Named Non-Owner Policies.)
11. Personal Auto Policies Only - For BI and PD, standard industry symbols are used for the appropriate BI/PD vehicle symbol. Refer to Section 5. Vehicle Symbols for additional information.
12. Personal Auto Policies Only - For Comprehensive and Collision Coverage, standard industry symbols are used for the appropriate vehicle symbol. If pickup trucks and vans are to be covered, refer to Section 5. Vehicle Symbols.
13. Personal Auto Policies Only - Multiply BI, PD, COMP and COLL by the appropriate age factor of the vehicle. October 1st is considered the beginning of the new model year for all makes
14. Personal Auto Policies Only - For BI and PD, limits factors are applied, if applicable. 15. For policies with physical damage, apply the applicable deductible factor to the COMP and COLL premiums. 16. Personal Auto Policies Only - Multiply BI, PD, COMP and COLL by the Prior Insurance rating factor. Refer
to Section 5. Prior Insurance Factor rule for additional information. 17. Personal Auto Policies Only - A factor will be applied to the BI, PD, Medical Payments, UMPD, COMP and
COLL premiums, based on the insurance score obtained from LexisNexis. 18. Personal Auto Policies Only - Appropriate additional surcharges are applied, if applicable. Refer to Section
4. Ineligible Risk Surcharge (Personal Auto Policies Only) and Ineligible Midterm Replacement Vehicle – Physical Damage (Personal Auto Policies Only).
19. Apply the policy term factor. Note: A premium involving $0.50 or more shall be rounded to the next highest dollar.
RATING
OH-PPA/FR BOND Page 25 Effective 02/03/20 NB & 03/07/20 RN
Violation/Accident Determination All Violations/At-Fault Accidents
1. Chargeable for 36 months. 2. All accidents are considered at-fault unless proof of no-fault is obtained and kept in your agency file or
forwarded to us when required. 3. Only violation convictions should be listed. If convicted of a violation, the accident/violation occurrence
date, not the conviction date, will be used to determine if points are to be charged. 4. When multiple convictions result from a single occurrence, only the conviction with the highest point charge
will be charged, except in the event of a DUI or a TEXTING WHILE DRIVING VIOLATION and an at-fault accident resulting from the same occurrence.
5. Out of state accidents and violation convictions are chargeable.
Definition of At-Fault Accident An at-fault accident is one in which the driver is more than 50% at-fault. All accidents are considered at-fault unless proof of not-at-fault (NAF) is obtained and retained in the agency file. Refer to the following NAF rule for information regarding acceptable proof documents.
Definition of “Minor” At-Fault Accident If an at-fault accident results in no bodily injuries and the resultant total property damage is $500 or less, it will be allowed and charged a lesser point surcharge amount. No other driver violation points are allowed in order for this to apply. Supporting documentation must be provided by the applicant/insured at the time of application and is to be retained in the agency file.
If Founders later discovers an accident involving a listed driver that the applicant/insured failed to disclose on the application, that undisclosed accident will be classified as “other at-fault” and the higher surcharge points will be applied to any subsequent premium determination or recalculation. Refer to Section 4. Points for additional information.
Not-At-Fault Accidents (NAF) 1. Accidents will be considered chargeable unless the named insured demonstrates:
• The actions of the driver did not cause or significantly contribute (50% or more at-fault) to the occurrence of the accident.
• The vehicle was lawfully parked at the time of the accident. • The accident was caused by collision with flying gravel, missiles, falling objects or by contact with a bird
or animal. • A hit-and-run driver struck the vehicle, and the accident was reported to the proper authorities within
24 hours. • A driver other than the driver of the insured’s vehicle was convicted of a moving violation in connection
with the accident. • The vehicle was struck in the rear and the insured was not convicted of a moving violation. • A court of competent jurisdiction adjudicated the insured not to be liable. • The insured was operating a bicycle, boat, train or snowmobile at the time of the accident. • The insured, at the time of the accident, was in response to an emergency, AND was acting in an official
capacity as a paid or volunteer member of any Fire or Law Enforcement Department or Emergency Medical Unit.
• They were reimbursed by, or on behalf of, a person responsible for the accident or has a judgment against such person.
• They are in receipt of a traffic citation that was dismissed or not processed.
2. Examples of proof of NAF documents include: • A copy of the police report or court documents • A letter from the previous carrier • Any other documentation that proves NAF
Please retain these documents in your agency file as they are subject to audit.
RATING
OH-PPA/FR BOND Page 26 Effective 02/03/20 NB & 03/07/20 RN
Note: If the accident in question occurred in conjunction with another ticketed violation and the applicant/insured has supporting documentation that he/she was not at fault, proof must be submitted to Founders Underwriting. As part of the policy upload process, you will be prompted when this information is required to be submitted. Failure to provide required proof within 15 days of the effective date will result in a policy uprate or cancellation. Small Accident Forgiveness (Founders Renewal Only) Founders will waive a small accident claim surcharge at renewal that occurred while the driver was insured with Founders if the company’s payout on the claim was equal to or less than $500. The payout will not include the deductible paid by the customer.
Prior Insurance Factor (Personal Auto Policies Only) The Prior Insurance rating factor applies to policies written as new business on or after 02/13/2019. The Prior Insurance factor assigned to a policy considers all of the following:
• Whether there was private passenger automobile liability insurance covering the primary named insured or rated spouse and providing continuous coverage immediately preceding the inception of the initial Founders policy; and
• Any lapse in coverage prior to the inception of the initial Founders policy; and • The length of time the named insured or rated spouse had coverage with their prior carrier; • The Bodily Injury limits of the prior policy; and • Whether the insured’s most recent prior policy (if any) cancelled within 60 days of its inception date;
and • The number of times the most recent prior policy was cancelled in total, whether or not the policy was
later reinstated.
If the prior insurance status of the first named insured is unavailable, the Company may consider the prior insurance status of the rated spouse in order to determine the Prior Insurance factor.
The associated factors and criteria are set forth in the Ohio Private Passenger Auto Rates pages. The prior insurance rating factor assigned to the initial Founders policy term shall apply to all subsequent renewals of that policy.
Prior Insurance Coverage Exceptions Under certain conditions where the primary named insured did not have continuous auto liability insurance for the preceding six (6) months, we will consider a request to assign a neutral Prior Insurance rating factor. These conditions, applicable to the primary named insured, are:
• Active military deployment without a vehicle; • Previously resided out of the United States; • Previously insured under a commercial auto policy; • Previously had a company car; • Was previously engaged in missionary work without a vehicle; or • Has no previous vehicle ownership and is insuring first vehicle.
The agent is expected to obtain written proof of eligibility for such exceptions and forward it to us attached to a written request. Example of proof documents include:
• A copy of military deployment orders, showing dates and locations • Work visas, rental contracts, utility statements or other documents of most recent residence, if such
residence was located outside of the United States. • Vehicle purchase documents and associated vehicle registration verifying that there was no vehicle trade
in and/or registration transfer associated with the purchase. • Any other documentation that proves qualification for a prior auto liability coverage exception.
RATING
OH-PPA/FR BOND Page 27 Effective 02/03/20 NB & 03/07/20 RN
Insurance Scoring (Personal Auto Policies Only) Quotes and New Business Founders Insurance Company uses insurance scoring as one of many factors in pricing. An “insurance score” is calculated using several factors regarding an insured’s loss potential, including their credit history. An insurance score report is automatically ordered by the Founders rating system at the point of sale for all Founders quotes. You will not receive any information contained in the customer’s insurance score report; it is ordered, received and used exclusively through our rating systems.
In order to comply with consumer credit regulations, please adhere to the following instructions: 1. You must advise the customer prior to quoting that an insurance score will be obtained. 2. If the customer objects, do not proceed with the quote. The quote process cannot be completed without a
credit report being run as part of the rating process. 3. When a Founders application is printed, a credit disclosure statement is included. The applicant must sign
and date the statement to acknowledge they were advised prior to quoting that a credit score would be obtained as part of the rating process.
4. The “Producer Statement” on the Founders application includes a warrant stating all requirements of the Fair Credit Reporting Act (FCRA) have been met.
5. The information gathered from the credit report is valid for 90 days. If an application is uploaded after 90 days from the initial quote, the system will ask you to reorder credit prior to processing the application. If the applicant’s score changes, a difference in premium may result.
6. Any customer who suspects inaccuracies in their credit report (or is affected by an adverse underwriting decision due to a credit report) should be advised they can obtain a copy of the report by contacting our credit bureau vendor, LexisNexis at the website www.consumerdisclosure.com. Producers cannot request this information; only the customer may contact the credit bureau vendor.
Renewal Process
1. We will re-run the insured’s credit score every 3rd year as part of the renewal process. 2. We will re-run the insured’s credit score at the written request of the insured, but no more than once every
twelve months. The premium adjustment, if any, will be applied prospectively to the next policy term.
Driver Class Determination Rated Drivers (Personal Auto Policies Only) All persons living in the household, 15 and older, must be reported on the application. All individuals age 15 and older must be considered in the rating of the policy. Residents of the insured’s household 15 years of age and older, who do not have valid driver’s licenses/permits or who will not be driving the insured vehicle(s) should be listed as Excluded Drivers on the application or reported to us within 14 days of becoming a household resident. The named insured must sign a Named Driver Exclusion form which identifies each excluded household resident. Driver Class Assignment
1. If more than one driver, use driver developing highest premium. In multi-vehicle situations, the highest rated driver is rated with the highest-rated vehicle. If there are more vehicles than drivers, remaining vehicles will be rated with the lowest class driver on the policy with 0 points.
2. An insured’s qualification as “married” requires the insured to be legally married and residing in the same household as their spouse. Widowed drivers will be rated the same as our married class.
3. Classification (driver age) changes will only be made at the beginning of each policy term. 4. If the driver’s birthday is within 30 days of the policy effective date, the new age will be used for rating. 5. Applicants/drivers who have been issued with an SR-22 filing are required to regain a valid license. An
updated Motor Vehicle Report will be ordered prior to the next policy renewal. If the driver’s license has not returned to a valid status, the policy will be non-renewed and an SR-26 Financial Responsibility Notice of Cancellation will be sent to the state advising them to terminate the SR-22 filing as of end of the current policy term.
6. Regular users outside the household must be reported on the application. (Not applicable to FR Bonds or Named Non-Owner policies.) Refer to Section 2. Listed Operators/ Non-Licensed Household Residents (Personal Auto Policies) for additional information on drivers who must be reported.
RATING
OH-PPA/FR BOND Page 28 Effective 02/03/20 NB & 03/07/20 RN
Point Surcharges and/or Class Changes A policy will not be reclassified for age and/or be re-rated for point surcharges which expire during the policy term. If the operator for whom points were charged is no longer a member of the household and no longer operates the insured vehicle, changes will apply as of the effective date of that driver’s removal.
Garage Location and Territory When a garage location and mailing address differ, vehicles will be rated for the actual garaged location. Addresses for P.O. Boxes or similar centralized mail pick up facilities are not acceptable for rating, but are acceptable as a mailing address. Appropriate territories are assigned by the rating system based on ZIP Code.
New Business Minimum Earned Premium New business private passenger auto policies and financial responsibility bonds are subject to a minimum earned premium collected at policy inception. Refer to the Ohio Private Passenger Auto Rates and Ohio FR Bond Rates pages for premium details. The minimum earned premium will not apply in the case of a flat policy cancellation, a policy rescission, or a company cancellation, as allowed under Ohio statutes.
Vehicle Symbols (Personal Auto Policies Only) Founders utilizes symbol factors for the rating of Bodily Injury, Property Damage, Comprehensive and Collision coverages. Symbols are determined based on standard ISO vehicle symbols, which can be found in the ISO Personal Auto Liability and PIP/Med Pay (LPMP) Symbols Manual (for model years 1998 and later) and the ISO Personal Auto Physical Damage Symbols Manual (for model years 1990 and later). Refer to the ISOnet multistate symbol manuals and symbols page updates for the most recent LPMP and Physical Damage Symbols.
Liability and Medical Payment Symbols The ISO LPMP Symbols Pages provide two symbols for a vehicle. One of the published symbols is applicable to Bodily Injury and Property Damage (BI/PD) liability coverages. The second published symbol is applicable to Personal Injury Protection (PIP) liability coverage and to Medical Payments coverage. ISO LPMP symbols are displayed on a vehicle series basis, and apply to all vehicles (all VINs) in a vehicle series. LPMP symbols do not vary by model year unless otherwise noted in the LPMP manual.
To determine the correct LPMP symbols for BI/PD or PIP/Med Pay: 1. If a vehicle is shown on the LPMP multistate Symbols Pages, use those symbols unless that particular vehicle
make/model symbol has been added as part of a LPMP Symbols Update Pages. 2. LPMP Symbols Updates Pages include symbols information for new vehicles. If the vehicle is listed on the
Symbols Update Pages, use those symbols in rating the vehicle instead of symbols determined under Item 1. above.
3. If a symbol for a vehicle cannot be determined in accordance with the procedures listed under Items 1. or 2. above, use an LPMP rating factor of 1.00 for BI/PD or PIP/Med Pay coverage until updated information is available.
Currently, Founders is utilizing the ISO LPMP BI/PD symbols for rating of these two coverages. Refer to the Ohio Private Passenger Auto Rates pages for the symbol tables and factors.
RATING
OH-PPA/FR BOND Page 29 Effective 02/03/20 NB & 03/07/20 RN
Pickup Trucks, Vans, and Physical Damage Unpublished Symbol Determination Refer to the Ohio Private Passenger Auto Rates pages for Comprehensive and Collision coverage symbols and rating factors. If a new vehicle does not yet have a symbol published for physical damage or the vehicle is to be insured with no published symbol, please use the following chart to assign a symbol based on the Manufacturers Suggested Retail Price. Refer to Section 4. Surcharges for information regarding the symbols assigned to a midterm replacement vehicle that is ineligible for physical damage coverage. Model Years 1990-2010
Model Years 2011+
Cost New Symbol Cost New Symbol Cost New Symbol $0 - $6,500 1 $1 - $3,000 1 $23,751 - $24,375 26 $6,501 - $8,000 2 $3,001 - $5,500 2 $23,476 - $25,000 27 $8,001 - $9,000 3 $5,501 - $8,000 3 $25,001 - $25,625 28 $9,001 - $10,000 4 $8,001 - $9,000 4 $25,626 - $26,250 29 $10,001 - $11,250 5 $9,001 - $10,000 5 $26,251 - $26,875 30 $11,251 - $12,500 6 $10,001 - $11,000 6 $26,876 - $27,500 31 $12,501 - $13,750 7 $11,001 - $12,000 7 $27,501 - $28,125 32 $13,751 - $15,000 8 $12,001 - $13,000 8 $28,126 - $28,750 33 $15,001 - $16,250 10 $13,001 - $14,000 10 $28,751 - $29,375 34 $16,251 - $17,500 11 $14,001 - $15,000 11 $29,376 - $30,000 35 $17,501 - $18,750 12 $15,001 - $15,625 12 $30,001 - $31,000 36 $18,751 - $20,000 13 $15,626 - $16,250 13 $31,001 - $32,000 37 $20,001 - $22,000 14 $16,251 - $16,875 14 $32,001 - $33,000 38 $22,001 - $24,000 15 $16,876 - $17,500 15 $33,001 - $34,000 39 $24,001 - $26,000 16 $17,501 - $18,125 16 $34,001 - $35,000 40 $26,001 - $28,000 17 $18,126 - $18,750 17 $35,001 - $36,000 41 $28,001 - $30,000 18 $18,751 - $19,375 18 $36,001 - $37,000 42 $30,001 - $33,000 19 $19,376 - $20,000 19 $37,001 - $38,000 43 $33,001 - $36,000 20 $20,001 - $20,625 20 $38,001 - $39,000 44 $36,001 - $40,000 21 $20,626 - $21,250 21 $39,001 - $40,000 45 $40,001 - $45,000 22 $21,251 - $21,875 22 $40,001 - $41,250 46 $21,876 - $22,500 23 $41,251 - $42,500 47 $22,501 - $23,125 24 $42,501 - $43,750 48 $23,126 - $23,750 25 $43,751 - $45,000 49
BILLING AND FEES
OH-PPA/FR BOND Page 30 Effective 02/03/20 NB & 03/07/20 RN
6. BILLING AND FEES
Direct Bill An 8% discount is available on direct bill policies for both 6-month and 12-month policy terms if the premium is paid in full. Refer to Section 4. Discounts for additional details regarding eligibility for this discount.
The minimum down payment collected for a new business policy is the greater of the indicated down payment percentage amount for the selected payment plan or the New Business Minimum Earned Premium. Refer to Section 5. New Business Minimum Earned Premium for additional information.
Each installment, after the down payment, will include a premium installment charge. Commissions are not payable on installment charges. In the event of an endorsement that generates additional premium, a minimum down payment of 35% of the additional pro rata premium is required with the endorsement request.
All installment payments must be made or received no later than the payment due date. Payments received after the due date will be charged a late fee.
To avoid late fees, we encourage you to enroll your customers in an automated recurring payment plan. In addition, installment fees are reduced when the customer registers and enrolls in one of these two automated payment methods:
• Recurring ACH debit. • Recurring credit card.
Refer to Fees for additional information.
Agency Bill An option for Agency Bill is available subject to company approval.
Uprates If the policy is issued at a higher premium than quoted and if the down payment is inadequate, the additional premium will be spread evenly over the remaining installments; however installment due dates may be altered to compensate for inadequate down payment.
Insufficient Down Payment If an uprate results in an amount exceeding the Company’s tolerance, a cancellation notice will be issued. The insured will be advised to make an additional down payment prior to the date shown on the cancellation notice to reinstate the policy.
Checks Returned for Non-Sufficient Funds (NSF) / Rejected Payments If a check for a down payment (or payment in full) on a new policy is returned NSF, Notice of Cancellation will be issued, and all coverage will be considered null and void from the intended inception date. If the initial payment is returned for a renewal policy, a Notice of Cancellation for non-payment will be issued providing 10 days’ advance notice. If the returned payment was an NSF check, it must be replaced with a certified check, money order, or credit card payment. A NSF fee is charged for any type of returned/rejected payment. Refer to Fees for additional information.
If any check (other than down payment check), ACH/debit request, or credit card payment request is returned NSF or is rejected when submitted for payment, a Notice of Cancellation for non-payment will be issued immediately. If the returned payment was an NSF check, it must be replaced with a certified check, money order, or credit card payment prior to the cancellation effective date in order for coverage to be reinstated. A NSF fee will be charged.
If a financial institution returns a payment tendered to effect reinstatement of a policy under cancellation, the reinstatement will be deemed invalid, and the policy will be cancelled as of the last notice date.
BILLING AND FEES
OH-PPA/FR BOND Page 31 Effective 02/03/20 NB & 03/07/20 RN
Personal Auto and FR Bond Fees All fees are fully earned at the time they are charged.
Fee Amount Description Installment Fee $11 Applied to each premium installment payment when
no checking account Electronic Funds Transfer is in place. Not applied to paid-in-full policies. There are no installment fees charged on policy term down payments.
Non-EFT
Installment Fee PPA FR Bond Applied to each premium installment for payments made via Electronic Funds Transfer (EFT) from a checking account. Not applied to paid-in-full policies. There are no installment fees charged on policy term down payments.
Recurring ACH Debit $5 $9
Installment Fee $10 Applied to each premium installment for payments made from a credit card. Not applied to paid-in-full policies. There are no installment fees charged on policy term down payments.
Recurring Credit Card
SR-22 Filing Fee $15 Applied to each new, renewal, or rewritten policy for each driver filing. This is a non-refundable fee.
Late Fee $10 Charged when payment is received after the due date. NSF Fee PPA FR Bond Charged in the event the financial institution
returns/rejects a request for payment. $25 $15
New Business Expense Fee (FR Bond Only)
$10 Applied to each new FR Bond, and collected as part of the initial premium down payment. This is a fully earned, non-refundable fee.
New Business Policy Expense Fee (PPA Only)
$10 Applied to each new Personal Auto policy and is collected as part of the initial premium down payment. This is a fully earned, non-refundable fee.
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P1 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
43001 84
43002 83
43003 90
43004 83
43005 81
43006 89
43007 78
43008 84
43009 78
43010 91
43011 81
43013 84
43014 81
43015 90
43016 83
43017 83
43018 84
43019 81
43021 90
43022 81
43023 84
43025 84
43026 71
43027 84
43028 81
43029 78
43030 84
43031 84
43032 90
43033 84
43035 90
43036 78
43037 81
43040 78
43044 78
43045 78
43046 84
43047 78
43048 81
43050 81
43054 83
43055 84
43056 84
43058 84
Zip Code Territory
43060 78
43061 90
43062 84
43064 70
43065 90
43066 90
43067 78
43068 83
43070 78
43071 84
43072 78
43073 84
43074 90
43076 84
43077 78
43078 78
43080 84
43081 83
43082 83
43083 78
43084 78
43085 71
43086 83
43101 70
43102 84
43103 70
43105 84
43106 70
43107 84
43109 85
43110 85
43111 84
43112 84
43113 70
43115 70
43116 70
43117 70
43119 85
43123 85
43125 85
43126 85
43127 84
43128 70
43130 84
Zip Code Territory
43135 84
43136 84
43137 85
43138 84
43140 70
43142 70
43143 70
43144 84
43145 70
43146 70
43147 84
43148 84
43149 84
43150 84
43151 70
43152 84
43153 70
43154 84
43155 84
43156 70
43157 84
43158 84
43160 70
43162 70
43163 84
43164 70
43201 71
43202 71
43203 71
43204 71
43205 71
43206 71
43207 71
43209 71
43210 71
43211 71
43212 71
43213 71
43214 71
43215 71
43216 71
43217 71
43218 71
43219 71
Zip Code Territory
43220 71
43221 71
43222 71
43223 71
43224 71
43226 71
43227 71
43228 71
43229 71
43230 71
43231 71
43232 71
43234 71
43235 71
43236 71
43240 71
43301 81
43302 81
43306 81
43310 78
43311 78
43314 81
43315 81
43316 78
43317 81
43318 78
43319 78
43320 81
43321 81
43322 81
43323 78
43324 78
43325 81
43326 78
43330 78
43331 78
43332 81
43333 78
43334 81
43335 81
43336 78
43337 81
43338 81
43340 78
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P2 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
43341 81
43342 81
43343 78
43344 78
43345 78
43346 78
43347 78
43348 78
43349 81
43350 81
43351 78
43356 81
43357 78
43358 78
43359 78
43360 78
43402 88
43406 88
43407 88
43408 88
43410 88
43412 88
43413 88
43414 88
43416 88
43420 88
43430 88
43431 88
43432 88
43433 88
43434 88
43435 88
43436 88
43437 88
43438 92
43439 88
43440 88
43441 88
43442 88
43443 88
43445 88
43446 88
43447 88
43449 88
Zip Code Territory
43450 88
43451 88
43452 88
43456 88
43457 88
43458 88
43460 88
43462 88
43463 88
43464 88
43465 88
43466 88
43467 88
43468 88
43469 88
43501 88
43502 88
43504 88
43505 88
43506 88
43510 88
43511 88
43512 88
43515 88
43516 88
43517 88
43518 88
43519 88
43520 88
43521 88
43522 88
43523 88
43524 88
43525 88
43526 88
43527 88
43528 88
43529 88
43530 88
43531 88
43532 88
43533 88
43534 88
43535 88
Zip Code Territory
43536 88
43537 88
43540 88
43541 88
43542 88
43543 88
43545 88
43547 88
43548 88
43549 88
43550 88
43551 88
43552 88
43553 88
43554 88
43555 88
43556 88
43557 88
43558 88
43560 88
43565 88
43566 88
43567 88
43569 88
43570 88
43571 88
43601 76
43603 76
43604 76
43605 76
43606 76
43607 76
43608 76
43609 76
43610 76
43611 76
43612 76
43613 76
43614 76
43615 76
43616 88
43617 88
43618 88
43619 88
Zip Code Territory
43620 76
43623 76
43635 76
43697 76
43699 76
43701 89
43702 89
43711 84
43713 84
43716 84
43717 84
43718 84
43719 84
43720 89
43721 84
43722 89
43723 89
43724 84
43725 89
43727 89
43728 84
43730 84
43731 84
43732 89
43733 89
43734 89
43735 89
43736 89
43738 89
43739 84
43740 84
43746 89
43747 84
43748 84
43749 89
43750 89
43752 84
43754 84
43755 89
43756 84
43757 84
43758 84
43759 84
43760 84
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P3 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
43761 84
43762 89
43764 84
43766 84
43767 89
43768 89
43771 89
43772 89
43773 89
43777 89
43778 89
43779 84
43780 89
43782 84
43783 84
43786 84
43787 84
43788 84
43789 84
43791 89
43793 84
43802 89
43803 89
43804 89
43805 89
43811 89
43812 89
43821 89
43822 89
43824 89
43828 89
43830 89
43832 89
43836 89
43837 89
43840 89
43842 89
43843 89
43844 89
43845 89
43901 89
43902 84
43903 84
43905 84
Zip Code Territory
43906 84
43907 89
43908 84
43909 84
43910 84
43912 84
43913 84
43914 84
43915 84
43916 84
43917 84
43920 80
43925 84
43926 84
43927 84
43928 84
43930 84
43931 84
43932 84
43933 84
43934 84
43935 84
43937 84
43938 84
43939 84
43940 84
43941 84
43942 84
43943 84
43944 84
43945 80
43946 84
43947 84
43948 84
43950 84
43951 84
43952 84
43953 84
43961 84
43962 80
43963 84
43964 84
43967 84
43968 80
Zip Code Territory
43970 84
43971 84
43972 84
43973 89
43974 89
43976 89
43977 84
43981 89
43983 84
43984 89
43985 84
43986 89
43988 89
44001 92
44003 72
44004 72
44005 72
44010 72
44011 92
44012 92
44017 92
44021 72
44022 92
44023 72
44024 72
44026 72
44028 92
44030 72
44032 72
44033 72
44035 92
44036 92
44039 92
44040 92
44041 72
44044 92
44045 92
44046 72
44047 72
44048 72
44049 92
44050 92
44052 92
44053 92
Zip Code Territory
44054 92
44055 92
44056 72
44057 92
44060 92
44061 92
44062 72
44064 72
44065 72
44067 72
44068 72
44070 92
44072 72
44074 92
44076 72
44077 92
44080 72
44081 92
44082 72
44084 72
44085 72
44086 72
44087 72
44088 72
44089 92
44090 92
44092 92
44093 72
44094 92
44095 92
44096 92
44097 92
44099 72
44101 73
44102 73
44103 73
44104 73
44105 73
44106 73
44107 92
44108 73
44109 73
44110 73
44111 73
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P4 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
44112 73
44113 73
44114 73
44115 73
44116 92
44117 92
44118 73
44119 73
44120 73
44121 73
44122 92
44123 92
44124 73
44125 73
44126 73
44127 73
44128 92
44129 73
44130 73
44131 92
44132 92
44133 92
44134 73
44135 73
44136 92
44137 92
44138 92
44139 92
44140 92
44141 92
44142 92
44143 73
44144 92
44145 92
44146 92
44147 92
44149 92
44181 73
44199 73
44201 72
44202 72
44203 72
44210 72
44211 72
Zip Code Territory
44212 81
44214 81
44215 81
44216 72
44217 81
44221 72
44222 72
44223 72
44224 72
44230 81
44231 72
44232 72
44233 81
44234 72
44235 81
44236 72
44240 72
44241 72
44243 72
44250 72
44251 81
44253 81
44254 81
44255 72
44256 81
44258 81
44260 72
44262 72
44264 72
44265 72
44266 72
44270 81
44272 72
44273 81
44274 81
44275 81
44276 81
44278 72
44280 81
44281 81
44282 81
44285 72
44286 72
44287 81
Zip Code Territory
44288 72
44301 75
44302 75
44303 75
44304 75
44305 75
44306 75
44307 75
44308 75
44309 75
44310 75
44311 75
44312 72
44313 75
44314 75
44319 75
44320 75
44321 75
44322 75
44333 72
44372 75
44401 80
44402 72
44403 72
44404 72
44405 77
44406 80
44408 80
44410 72
44411 72
44412 72
44413 80
44415 80
44416 80
44417 72
44418 72
44420 72
44422 80
44423 80
44424 72
44425 72
44427 89
44428 72
44429 80
Zip Code Territory
44430 72
44431 80
44432 80
44436 77
44437 72
44438 72
44439 72
44440 72
44441 80
44442 80
44443 80
44444 72
44445 80
44446 72
44449 80
44450 72
44451 80
44452 80
44453 72
44454 80
44455 80
44460 80
44470 72
44471 77
44473 72
44481 72
44482 72
44483 72
44484 72
44485 72
44490 80
44491 72
44492 80
44493 80
44501 77
44502 77
44503 77
44504 77
44505 77
44506 77
44507 77
44509 77
44510 77
44511 77
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P5 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
44512 80
44513 80
44514 80
44515 77
44601 80
44606 81
44607 89
44608 80
44609 80
44610 89
44611 89
44612 89
44613 80
44614 80
44615 89
44617 89
44618 81
44619 80
44620 89
44621 89
44622 89
44624 89
44625 80
44626 80
44627 81
44628 89
44629 89
44630 80
44631 89
44632 80
44633 89
44634 80
44636 81
44637 89
44638 89
44639 89
44640 80
44641 80
44643 89
44644 89
44645 81
44646 80
44647 80
44648 80
Zip Code Territory
44650 80
44651 89
44652 80
44653 89
44654 89
44656 89
44657 80
44659 81
44660 89
44661 89
44662 80
44663 89
44665 80
44666 80
44667 81
44669 80
44670 80
44671 89
44672 80
44675 89
44676 81
44677 81
44678 89
44679 89
44680 89
44681 89
44682 89
44683 89
44685 80
44687 89
44688 80
44689 80
44690 89
44691 81
44693 89
44695 89
44697 89
44699 89
44701 80
44702 80
44703 80
44704 80
44705 80
44706 80
Zip Code Territory
44707 80
44708 80
44709 80
44710 80
44711 80
44714 80
44718 80
44720 80
44721 80
44730 80
44735 80
44802 78
44804 78
44805 81
44807 78
44809 78
44811 78
44813 81
44814 92
44815 78
44816 92
44817 88
44818 78
44820 78
44822 81
44824 92
44825 78
44826 81
44827 78
44828 78
44830 78
44833 78
44836 78
44837 81
44838 81
44839 92
44840 81
44841 78
44842 81
44843 81
44844 78
44845 78
44846 92
44847 81
Zip Code Territory
44848 81
44849 78
44850 81
44851 81
44853 78
44854 78
44855 81
44856 78
44857 81
44859 81
44860 78
44861 78
44862 81
44864 81
44865 81
44866 81
44867 78
44870 92
44871 92
44874 81
44875 81
44878 81
44880 81
44881 78
44882 78
44883 78
44887 78
44889 81
44890 81
44901 81
44902 81
44903 81
44904 81
44905 81
44906 81
44907 81
45001 87
45002 87
45003 82
45004 82
45005 91
45011 86
45012 82
45013 86
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P6 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
45014 86
45015 82
45018 82
45030 87
45032 91
45033 87
45034 91
45036 91
45039 91
45040 91
45041 87
45042 82
45044 82
45050 82
45051 87
45052 87
45053 82
45054 91
45055 82
45056 86
45061 82
45062 82
45063 82
45064 82
45065 91
45066 91
45067 82
45068 91
45069 82
45070 78
45071 82
45101 84
45102 91
45103 91
45105 84
45106 91
45107 70
45110 70
45111 86
45112 91
45113 70
45114 70
45115 84
45118 84
Zip Code Territory
45119 84
45120 91
45121 84
45122 91
45123 70
45130 84
45131 84
45132 70
45133 70
45135 70
45138 70
45140 91
45142 70
45144 84
45145 91
45146 70
45147 91
45148 70
45150 91
45152 91
45153 91
45154 84
45155 70
45156 91
45157 91
45158 91
45159 70
45160 91
45162 91
45164 70
45166 70
45167 84
45168 84
45169 70
45171 84
45172 70
45174 86
45176 91
45177 70
45201 74
45202 74
45203 74
45204 74
45205 74
Zip Code Territory
45206 74
45207 74
45208 74
45209 74
45211 87
45212 86
45213 74
45214 74
45215 86
45216 86
45217 86
45218 86
45219 76
45220 74
45222 74
45223 74
45224 74
45225 74
45226 74
45227 86
45228 74
45229 74
45230 74
45231 86
45232 74
45233 74
45234 74
45235 74
45236 86
45237 86
45238 74
45239 86
45240 86
45241 86
45242 86
45243 86
45244 86
45245 91
45246 86
45247 74
45248 74
45249 86
45250 74
45251 74
Zip Code Territory
45252 74
45253 74
45254 74
45255 74
45258 74
45262 74
45275 74
45280 74
45301 91
45302 78
45303 78
45304 78
45305 91
45306 78
45307 91
45308 91
45309 91
45310 78
45311 78
45312 91
45314 91
45315 91
45316 91
45317 91
45318 91
45319 91
45320 78
45321 78
45322 91
45323 91
45324 91
45325 91
45326 91
45327 91
45328 78
45330 78
45331 78
45332 78
45333 78
45334 78
45335 91
45336 78
45337 91
45338 78
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P7 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
45339 91
45340 78
45341 91
45342 91
45343 91
45344 91
45345 91
45346 78
45347 78
45348 78
45349 91
45350 78
45351 78
45352 78
45353 78
45354 91
45356 91
45358 78
45359 91
45360 78
45361 91
45362 78
45363 78
45365 78
45368 91
45369 91
45370 91
45371 91
45372 91
45373 91
45377 91
45378 78
45380 78
45381 78
45382 78
45383 91
45384 91
45385 91
45387 91
45388 78
45389 78
45390 78
45400 79
45402 79
Zip Code Territory
45403 79
45404 79
45405 79
45406 79
45408 79
45409 79
45410 79
45414 79
45415 79
45416 79
45417 79
45418 91
45419 79
45420 79
45423 79
45424 79
45426 91
45427 79
45429 91
45430 91
45431 91
45432 91
45433 91
45434 91
45439 91
45440 91
45449 91
45458 91
45459 91
45479 79
45501 91
45502 91
45503 91
45504 91
45505 91
45506 91
45601 70
45612 70
45613 84
45614 84
45616 84
45617 70
45618 84
45619 84
Zip Code Territory
45620 84
45621 84
45622 84
45623 84
45624 84
45628 70
45629 84
45630 84
45631 84
45633 70
45634 84
45636 84
45638 84
45640 84
45642 84
45643 84
45644 70
45645 84
45646 84
45647 70
45648 84
45650 84
45651 84
45652 84
45653 84
45654 84
45656 84
45657 84
45658 84
45659 84
45660 84
45661 84
45662 84
45663 84
45669 84
45671 84
45672 84
45673 70
45674 84
45675 84
45677 84
45678 84
45679 84
45680 84
Zip Code Territory
45681 70
45682 84
45683 84
45684 84
45685 84
45686 84
45687 84
45688 84
45690 84
45692 84
45693 84
45694 84
45695 84
45696 84
45697 84
45698 84
45701 84
45710 84
45711 84
45712 84
45713 84
45714 84
45715 84
45716 84
45717 84
45719 84
45720 84
45721 84
45723 84
45724 84
45727 84
45729 84
45732 84
45734 84
45735 84
45739 84
45740 84
45741 84
45742 84
45743 84
45744 84
45745 84
45746 84
45750 84
Founders Insurance Company Ohio PPA Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH Standard Auto P8 Effective 09/01/18 New & 11/01/18 Renewal
Zip Code Territory
45760 84
45761 84
45764 84
45766 84
45767 84
45768 84
45769 84
45770 84
45771 84
45772 84
45773 84
45775 84
45776 84
45777 84
45778 84
45779 84
45780 84
45782 84
45783 84
45784 84
45786 84
45787 84
45788 84
45789 84
45801 78
45802 78
45804 78
45805 78
45806 78
45807 78
45808 78
45809 78
45810 78
45812 78
45813 78
45814 78
45815 78
45816 78
45817 78
45819 78
45820 78
45821 78
45822 78
45826 78
Zip Code Territory
45827 78
45828 78
45830 78
45831 78
45832 78
45833 78
45835 78
45836 78
45837 78
45838 78
45839 78
45840 78
45841 78
45843 78
45844 78
45845 78
45846 78
45848 78
45849 78
45850 78
45851 78
45853 78
45854 78
45855 78
45856 78
45858 78
45859 78
45860 78
45861 78
45862 78
45863 78
45864 78
45865 78
45866 78
45867 78
45868 78
45869 78
45870 78
45871 78
45872 88
45873 78
45874 78
45875 78
45876 78
Zip Code Territory
45877 78
45879 78
45880 78
45881 78
45882 78
45883 78
45884 78
45885 78
45886 78
45887 78
45888 78
45889 78
45890 78
45891 78
45893 78
45894 78
45895 78
45896 78
45897 78
45898 78
45899 78
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B1 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
43001 48
43002 3
43003 39
43004 60
43005 39
43006 52
43007 52
43008 48
43009 52
43010 49
43011 39
43013 39
43014 39
43015 39
43016 60
43017 60
43018 48
43019 39
43021 39
43022 39
43023 48
43025 48
43026 60
43027 48
43028 39
43029 52
43030 48
43031 48
43032 39
43033 48
43035 39
43036 52
43037 39
43040 52
43044 52
43045 52
43046 48
43047 52
43048 39
43050 39
ZIP FIC Terr.
43054 39
43055 48
43056 48
43058 48
43060 52
43061 39
43062 48
43064 39
43065 39
43066 39
43067 52
43068 60
43070 52
43071 48
43072 52
43073 48
43074 39
43076 48
43077 52
43078 52
43080 48
43081 60
43082 60
43083 52
43084 52
43085 3
43086 60
43101 60
43102 48
43103 48
43105 48
43106 60
43107 48
43109 60
43110 60
43111 51
43112 48
43113 48
43115 60
43116 60
ZIP FIC Terr.
43117 60
43119 60
43123 60
43125 60
43126 60
43127 51
43128 60
43130 48
43135 51
43136 48
43137 60
43138 51
43140 49
43142 60
43143 60
43144 51
43145 60
43146 60
43147 48
43148 48
43149 51
43150 48
43151 60
43152 51
43153 49
43154 48
43155 48
43156 60
43157 48
43158 51
43160 60
43162 60
43163 48
43164 60
43201 3
43202 3
43203 3
43204 3
43205 3
43206 3
ZIP FIC Terr.
43207 3
43209 3
43210 3
43211 3
43212 3
43213 3
43214 3
43215 3
43216 3
43217 3
43218 3
43219 3
43220 3
43221 3
43222 3
43223 3
43224 3
43226 3
43227 3
43228 3
43229 3
43230 3
43231 3
43232 3
43234 3
43235 3
43236 3
43240 3
43301 39
43302 52
43306 39
43310 52
43311 52
43314 52
43315 39
43316 52
43317 39
43318 52
43319 52
43320 39
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B2 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
43321 39
43322 39
43323 39
43324 52
43325 39
43326 52
43330 52
43331 52
43332 52
43333 52
43334 39
43335 39
43336 52
43337 39
43338 39
43340 52
43341 39
43342 39
43343 52
43344 39
43345 52
43346 52
43347 52
43348 52
43349 39
43350 39
43351 52
43356 39
43357 52
43358 52
43359 52
43360 52
43402 52
43406 52
43407 52
43408 52
43410 52
43412 61
43413 52
43414 52
ZIP FIC Terr.
43416 52
43420 52
43430 52
43431 52
43432 52
43433 52
43434 61
43435 52
43436 52
43437 52
43438 47
43439 52
43440 52
43441 52
43442 52
43443 52
43445 61
43446 52
43447 52
43449 52
43450 52
43451 52
43452 52
43456 52
43457 52
43458 52
43460 52
43462 52
43463 52
43464 47
43465 52
43466 52
43467 52
43468 52
43469 52
43501 61
43502 61
43504 61
43505 61
43506 61
ZIP FIC Terr.
43510 61
43511 61
43512 61
43515 61
43516 52
43517 61
43518 61
43519 61
43520 61
43521 61
43522 61
43523 61
43524 61
43525 52
43526 61
43527 61
43528 61
43529 52
43530 61
43531 61
43532 61
43533 61
43534 43
43535 61
43536 61
43537 61
43540 61
43541 52
43542 61
43543 61
43545 61
43547 61
43548 61
43549 61
43550 61
43551 52
43552 52
43553 61
43554 61
43555 61
ZIP FIC Terr.
43556 61
43557 61
43558 61
43560 61
43565 52
43566 61
43567 61
43569 52
43570 61
43571 61
43601 5
43603 5
43604 5
43605 5
43606 5
43607 5
43608 5
43609 5
43610 5
43611 5
43612 5
43613 5
43614 5
43615 5
43616 61
43617 5
43618 61
43619 61
43620 5
43623 5
43635 5
43697 5
43699 5
43701 52
43702 52
43711 51
43713 37
43716 37
43717 51
43718 37
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B3 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
43719 37
43720 51
43721 48
43722 52
43723 52
43724 51
43725 52
43727 52
43728 51
43730 51
43731 51
43732 52
43733 52
43734 52
43735 52
43736 52
43738 4
43739 48
43740 48
43746 48
43747 37
43748 51
43749 52
43750 52
43752 36
43754 36
43755 52
43756 51
43757 36
43758 51
43759 37
43760 48
43761 51
43762 52
43764 51
43766 51
43767 52
43768 52
43771 52
43772 52
ZIP FIC Terr.
43773 37
43777 51
43778 52
43779 51
43780 52
43782 51
43783 51
43786 36
43787 51
43788 36
43789 36
43791 52
43793 36
43802 52
43803 52
43804 52
43805 52
43811 52
43812 52
43821 52
43822 52
43824 52
43828 52
43830 48
43832 52
43836 52
43837 52
43840 52
43842 52
43843 52
43844 52
43845 52
43901 37
43902 37
43903 52
43905 37
43906 37
43907 52
43908 52
43909 37
ZIP FIC Terr.
43910 52
43912 37
43913 38
43914 36
43915 36
43916 37
43917 37
43920 32
43925 38
43926 38
43927 37
43928 37
43930 32
43931 36
43932 32
43933 37
43934 37
43935 27
43937 37
43938 38
43939 38
43940 37
43941 38
43942 52
43943 37
43944 38
43945 52
43946 36
43947 37
43948 38
43950 37
43951 37
43952 38
43953 38
43961 38
43962 32
43963 38
43964 38
43967 37
43968 32
ZIP FIC Terr.
43970 38
43971 38
43972 37
43973 37
43974 52
43976 52
43977 37
43981 52
43983 51
43984 52
43985 37
43986 52
43988 52
44001 47
44003 46
44004 46
44005 46
44010 46
44011 47
44012 47
44017 53
44021 46
44022 46
44023 46
44024 46
44026 46
44028 47
44030 46
44032 46
44033 46
44035 47
44036 47
44039 47
44040 53
44041 46
44044 47
44045 25
44046 46
44047 46
44048 46
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B4 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
44049 47
44050 47
44052 26
44053 26
44054 26
44055 26
44056 17
44057 46
44060 25
44061 25
44062 46
44064 46
44065 46
44067 17
44068 46
44070 53
44072 46
44074 47
44076 46
44077 25
44080 46
44081 25
44082 46
44084 46
44085 46
44086 46
44087 17
44088 46
44089 47
44090 47
44092 25
44093 46
44094 46
44095 25
44096 25
44097 25
44099 46
44101 11
44102 11
44103 11
ZIP FIC Terr.
44104 11
44105 11
44106 11
44107 53
44108 11
44109 11
44110 11
44111 11
44112 11
44113 11
44114 11
44115 11
44116 53
44117 44
44118 11
44119 11
44120 11
44121 11
44122 53
44123 44
44124 11
44125 11
44126 11
44127 11
44128 11
44129 11
44130 11
44131 53
44132 44
44133 53
44134 11
44135 11
44136 53
44137 53
44138 53
44139 53
44140 53
44141 53
44142 44
44143 11
ZIP FIC Terr.
44144 11
44145 53
44146 53
44147 53
44149 53
44181 11
44199 11
44201 46
44202 53
44203 17
44210 17
44211 46
44212 47
44214 47
44215 47
44216 17
44217 39
44221 17
44222 17
44223 17
44224 17
44230 47
44231 46
44232 17
44233 47
44234 46
44235 39
44236 46
44240 46
44241 46
44243 46
44250 17
44251 47
44253 47
44254 47
44255 46
44256 47
44258 47
44260 17
44262 17
ZIP FIC Terr.
44264 17
44265 46
44266 46
44270 39
44272 46
44273 47
44274 47
44275 47
44276 39
44278 17
44280 47
44281 47
44282 47
44285 46
44286 17
44287 39
44288 46
44301 4
44302 4
44303 4
44304 4
44305 4
44306 4
44307 4
44308 4
44309 4
44310 4
44311 4
44312 4
44313 4
44314 4
44319 4
44320 4
44321 4
44322 4
44333 47
44372 4
44401 9
44402 46
44403 35
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B5 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
44404 46
44405 8
44406 43
44408 32
44410 35
44411 46
44412 42
44413 32
44415 32
44416 9
44417 46
44418 35
44420 35
44422 9
44423 32
44424 35
44425 42
44427 52
44428 46
44429 9
44430 35
44431 32
44432 32
44436 42
44437 42
44438 35
44439 46
44440 42
44441 32
44442 43
44443 32
44444 42
44445 32
44446 15
44449 42
44450 46
44451 9
44452 9
44453 35
44454 32
ZIP FIC Terr.
44455 32
44460 32
44470 46
44471 8
44473 35
44481 42
44482 35
44483 35
44484 35
44485 35
44490 32
44491 46
44492 32
44493 32
44501 8
44502 8
44503 8
44504 8
44505 8
44506 8
44507 8
44509 8
44510 8
44511 8
44512 8
44513 8
44514 8
44515 8
44601 9
44606 39
44607 52
44608 9
44609 32
44610 52
44611 52
44612 52
44613 9
44614 9
44615 52
44617 52
ZIP FIC Terr.
44618 9
44619 9
44620 52
44621 52
44622 52
44624 52
44625 52
44626 9
44627 52
44628 39
44629 52
44630 9
44631 52
44632 46
44633 52
44634 32
44636 39
44637 52
44638 39
44639 52
44640 9
44641 9
44643 9
44644 52
44645 9
44646 7
44647 7
44648 7
44650 9
44651 52
44652 9
44653 52
44654 52
44656 52
44657 9
44659 39
44660 52
44661 52
44662 9
44663 52
ZIP FIC Terr.
44665 32
44666 9
44667 39
44669 9
44670 9
44671 52
44672 9
44675 52
44676 52
44677 39
44678 52
44679 52
44680 9
44681 52
44682 52
44683 52
44685 17
44687 52
44688 9
44689 52
44690 52
44691 39
44693 52
44695 52
44697 52
44699 52
44701 7
44702 7
44703 7
44704 7
44705 7
44706 7
44707 7
44708 7
44709 7
44710 7
44711 7
44714 7
44718 7
44720 9
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B6 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
44721 7
44730 9
44735 7
44802 52
44804 52
44805 39
44807 39
44809 52
44811 52
44813 39
44814 47
44815 52
44816 47
44817 52
44818 52
44820 52
44822 39
44824 47
44825 52
44826 47
44827 52
44828 52
44830 52
44833 52
44836 52
44837 39
44838 39
44839 47
44840 39
44841 52
44842 39
44843 39
44844 52
44845 52
44846 47
44847 47
44848 39
44849 52
44850 39
44851 39
ZIP FIC Terr.
44853 52
44854 52
44855 39
44856 52
44857 47
44859 39
44860 52
44861 52
44862 39
44864 39
44865 52
44866 39
44867 52
44870 47
44871 47
44874 39
44875 52
44878 39
44880 39
44881 52
44882 52
44883 52
44887 52
44889 47
44890 39
44901 28
44902 28
44903 39
44904 39
44905 28
44906 28
44907 28
45001 60
45002 60
45003 60
45004 60
45005 60
45011 60
45012 60
45013 60
ZIP FIC Terr.
45014 60
45015 60
45018 60
45030 60
45032 49
45033 60
45034 49
45036 49
45039 60
45040 49
45041 60
45042 20
45044 20
45050 20
45051 60
45052 60
45053 60
45054 49
45055 60
45056 60
45061 60
45062 20
45063 60
45064 60
45065 49
45066 49
45067 60
45068 49
45069 60
45070 52
45071 60
45101 51
45102 49
45103 49
45105 51
45106 49
45107 60
45110 60
45111 2
45112 49
ZIP FIC Terr.
45113 60
45114 60
45115 51
45118 51
45119 51
45120 51
45121 51
45122 49
45123 60
45130 51
45131 51
45132 60
45133 51
45135 60
45138 60
45140 60
45142 51
45144 51
45145 49
45146 60
45147 49
45148 51
45150 49
45152 49
45153 49
45154 51
45155 60
45156 49
45157 49
45158 49
45159 60
45160 49
45162 49
45164 60
45166 60
45167 51
45168 51
45169 60
45171 51
45172 60
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B7 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
45174 60
45176 49
45177 60
45201 2
45202 2
45203 2
45204 2
45205 2
45206 2
45207 2
45208 2
45209 2
45211 2
45212 2
45213 2
45214 2
45215 2
45216 2
45217 2
45218 2
45219 2
45220 2
45222 2
45223 2
45224 2
45225 2
45226 2
45227 2
45228 2
45229 2
45230 49
45231 2
45232 2
45233 2
45234 2
45235 2
45236 2
45237 2
45238 2
45239 2
ZIP FIC Terr.
45240 2
45241 60
45242 2
45243 2
45244 49
45245 49
45246 60
45247 2
45248 2
45249 2
45250 2
45251 2
45252 2
45253 2
45254 2
45255 49
45258 2
45262 2
45275 51
45280 2
45301 49
45302 52
45303 52
45304 52
45305 49
45306 52
45307 49
45308 49
45309 60
45310 60
45311 52
45312 52
45314 49
45315 60
45316 49
45317 52
45318 52
45319 49
45320 52
45321 52
ZIP FIC Terr.
45322 49
45323 49
45324 49
45325 60
45326 49
45327 60
45328 52
45330 52
45331 52
45332 52
45333 52
45334 52
45335 60
45336 52
45337 52
45338 52
45339 49
45340 52
45341 49
45342 60
45343 60
45344 52
45345 60
45346 52
45347 52
45348 52
45349 49
45350 52
45351 52
45352 52
45353 52
45354 60
45356 49
45358 52
45359 49
45360 52
45361 49
45362 52
45363 52
45365 52
ZIP FIC Terr.
45368 49
45369 49
45370 49
45371 49
45372 49
45373 49
45377 60
45378 52
45380 52
45381 60
45382 52
45383 52
45384 49
45385 60
45387 49
45388 52
45389 52
45390 52
45400 6
45402 6
45403 6
45404 6
45405 6
45406 6
45408 6
45409 6
45410 6
45414 6
45415 6
45416 6
45417 6
45418 6
45419 6
45420 6
45423 6
45424 49
45426 6
45427 6
45429 6
45430 49
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B8 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
45431 60
45432 49
45433 49
45434 49
45439 6
45440 49
45449 6
45458 49
45459 49
45479 6
45501 22
45502 52
45503 22
45504 22
45505 22
45506 22
45601 51
45612 60
45613 51
45614 36
45616 51
45617 60
45618 51
45619 36
45620 36
45621 51
45622 51
45623 36
45624 51
45628 60
45629 36
45630 36
45631 36
45633 60
45634 51
45636 36
45638 36
45640 51
45642 51
45643 36
ZIP FIC Terr.
45644 60
45645 51
45646 51
45647 60
45648 51
45650 51
45651 51
45652 36
45653 51
45654 51
45656 36
45657 51
45658 36
45659 36
45660 51
45661 51
45662 36
45663 36
45669 36
45671 51
45672 51
45673 60
45674 36
45675 36
45677 36
45678 36
45679 51
45680 36
45681 60
45682 51
45683 51
45684 51
45685 36
45686 36
45687 51
45688 36
45690 51
45692 51
45693 51
45694 36
ZIP FIC Terr.
45695 51
45696 36
45697 51
45698 51
45701 51
45710 51
45711 51
45712 36
45713 36
45714 36
45715 51
45716 51
45717 51
45719 51
45720 36
45721 36
45723 51
45724 51
45727 51
45729 36
45732 51
45734 36
45735 51
45739 51
45740 51
45741 36
45742 51
45743 36
45744 51
45745 36
45746 51
45750 36
45760 36
45761 51
45764 51
45766 51
45767 36
45768 36
45769 36
45770 36
ZIP FIC Terr.
45771 36
45772 36
45773 36
45775 36
45776 51
45777 51
45778 51
45779 36
45780 51
45782 20
45783 36
45784 36
45786 51
45787 36
45788 36
45789 36
45801 31
45802 31
45804 31
45805 31
45806 31
45807 31
45808 52
45809 52
45810 52
45812 52
45813 61
45814 52
45815 52
45816 52
45817 52
45819 52
45820 52
45821 61
45822 52
45826 52
45827 52
45828 52
45830 52
45831 61
Founders Insurance Company Ohio FR Bond Territories
**** PLEASE CALL IF A ZIP CODE IS NOT LISTED ****
FIC-OH FR Bonds B9 Effective 09/01/18 New & 11/01/18 Renewal
ZIP FIC Terr.
45832 52
45833 52
45835 52
45836 52
45837 52
45838 52
45839 52
45840 52
45841 52
45843 52
45844 52
45845 52
45846 52
45848 52
45849 52
45850 52
45851 52
45853 52
45854 52
45855 52
45856 52
45858 52
45859 52
45860 52
45861 52
45862 52
45863 52
45864 52
45865 52
45866 52
45867 52
45868 52
45869 52
45870 52
45871 52
45872 52
45873 52
45874 52
45875 52
45876 52
ZIP FIC Terr.
45877 52
45879 52
45880 52
45881 52
45882 52
45883 52
45884 52
45885 52
45886 52
45887 52
45888 52
45889 52
45890 52
45891 52
45893 52
45894 52
45895 52
45896 52
45897 52
45898 52
45899 52
Ohio Private Passenger Auto Rating Order of Calculation
Ohio PPA Rates PPA-R-1 Effective 02/03/2020 NB & 03/07/20 RN
Bodily Injury
BI Prem = BI Base Rate * Liability Territory Factor * Liability Driver Class Factor (rounded to 0 decimals)
BI Prem 1 = BI Prem * Liability Only Factor * (Discounts + Points Factor) (rounded to 0 decimals)
BI Prem 2 = BI Prem 1 * Symbol Factor (rounded to 0 decimals)
BI Prem 3 = BI Prem 2 * Age Factor (rounded to 0 decimals)
BI Prem 4 = BI Prem 3 * BI Increased Limits Factor (rounded to 0 decimals)
BI Prem 5 = BI Prem 4 * Prior Insurance Factor (rounded to 0 decimals)
BI Prem 6 = BI Prem 5 * Credit Score Factor (rounded to 0 decimals)
BI Prem 7 = BI Prem 6 * (Surcharges Factor) (rounded to 0 decimals)
BI Prem 8 = BI Prem 7 * Term Factor (rounded to 0 decimals)
Property Damage PD Prem = PD Base Rate * Liability Territory Factor * Liability Driver Class Factor (rounded to 0 decimals)
PD Prem 1 = PD Prem * Liability Only Factor * (Discounts + Points Factor) (rounded to 0 decimals)
PD Prem 2 = PD Prem 1 * Symbol Factor (rounded to 0 decimals)
PD Prem 3 = PD Prem 2 * Age Factor (rounded to 0 decimals)
PD Prem 4 = PD Prem 3 * PD Increased Limits Factor (rounded to 0 decimals)
PD Prem 5 = PD Prem 4 * Prior Insurance Factor (rounded to 0 decimals)
PD Prem 6 = PD Prem 5 * Credit Score Factor (rounded to 0 decimals)
PD Prem 7 = PD Prem 6 * (Surcharges Factor) (rounded to 0 decimals)
PD Prem 8 = PD Prem 7 * Term Factor (rounded to 0 decimals)
Medical Payments Med Prem = Med Base Rate by Limit * Credit Score Factor (rounded to 0 decimals)
Med Prem 1 = Med Prem * Term Factor (rounded to 0 decimals)
Uninsured Motorist / Underinsured Motorist UM Prem = UM Base Rate by Territory & Limit * Term Factor (rounded to 0 decimals)
UIM Prem = UIM Base Rate by Territory & Limit * Term Factor (rounded to 0 decimals)
Underinsured Motorist Property Damage UMPD Prem = UMPD Base Rate * Credit Score Factor (rounded to 0 decimals)
UMPD Prem 1 = UMPD Prem * Term Factor (rounded to 0 decimals)
Comprehensive COMP Prem = COMP Base Rate * COMP Territory Factor * Driver COMP Class Factor (rounded to 0 decimals)
COMP Prem 1 = COMP Prem * Vehicle Age Factor * COMP Vehicle Symbol Factor * COMP Deductible Factor
(rounded to 0 decimals)
COMP Prem 2 = COMP Prem 1 * COMP Point Surcharge Factor * (Discounts + Points Factor) (rounded to 0 decimals)
COMP Prem 3 = COMP Prem 2 * Prior Insurance Factor (rounded to 0 decimals)
COMP Prem 4 = COMP Prem 3 * Credit Score Factor (rounded to 0 decimals)
COMP Prem 5 = COMP Prem 4 * (Surcharges Factor) (rounded to 0 decimals)
COMP Prem 6 = COMP Prem 5 * Term Factor (rounded to 0 decimals)
Collision COLL Prem = COLL Base Rate * COLL Territory Factor * Driver COLL Class Factor (rounded to 0 decimals)
COLL Prem 1 = COLL Prem * Vehicle Age Factor * COLL Vehicle Symbol Factor * COLL Deductible Factor
(rounded to 0 decimals)
COLL Prem 2 = COLL Prem 1 * COLL Point Surcharge Factor * (Discounts + Points Factor) (rounded to 0 decimals)
COLL Prem 3 = COLL Prem 2 * Prior Insurance Factor (rounded to 0 decimals)
COLL Prem 4 = COLL Prem 3 * Credit Score Factor (rounded to 0 decimals)
COLL Prem 5 = COLL Prem 4 * (Surcharges Factor) (rounded to 0 decimals)
COLL Prem 6 = COLL Prem 5 * Term Factor (rounded to 0 decimals)
Towing Towing Prem = Towing Selected Option Rate * Term Factor (rounded to 0 decimals)
Rental/Transportation Expenses Rental Prem = Rental Rate * Term Factor (rounded to 0 decimals)
Limited Transportation Network Driver Coverage (No Passenger) Limited TNC Prem = Limited TNC Rate * Number of TNC Drivers * Term Factor (rounded to 0 decimals)
Ohio Private Passenger Auto Rating Order of Calculation
Ohio PPA Rates PPA-R-2 Effective 02/03/2020 NB & 03/07/20 RN
Legal Expense
Legal Expense Prem = Legal Expense Rate * Term Factor (rounded to 0 decimals)
Accidental Death Accident Death Prem = Accidental Death Rate * Term Factor (rounded to 0 decimals)
Basic Tenant Personal Property & Liability Enhancement Endorsement (PPLEE) PPLEE Prem = PPLEE Rate * Term Factor (rounded to 0 decimals)
Emergency Roadside Assistance Roadside Premium = Roadside Term Plan Rate (rounded to 0 decimals)
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-3 Effective 02/03/2020 NB & 03/07/20 RN
Base Rates
Policy Term Factors Not Applicable to:
• Minimum Earned Policy Premium
• Emergency Roadside Assistance Policy Term Plans
Coverage Base Rate Length of Policy Term Factor
Bodily Injury (BI) $362 6 Months 0.50
Property Damage (PD) $367 12 Months 1.00
Comprehensive (COMP) $181 For policy terms other than those shown above, calculate a prorated factor of number of days in policy term / number of days in year (366 for leap years). Collision (COLL) $681
Increased Limits Factors Minimum Earned Policy Premium
Coverage Limits Factor Policy Type Amount
BI $25,000/$50,000 1.00 New $60
BI $50,000/$100,000 1.28 Renewal $0
BI $100,000/$300,000 1.60 Uninsured Motorist Property Damage (UMPD) Base Rate PD $25,000 1.00
PD $50,000 1.13 Coverage Limit Base Rate
$7,500 $53
Medical Payments (MED) Base Rates By Limit
Underinsured Motorist (UIM) Base Rates By Territory and Limit of Liability
Coverage Limit Base Rate Territory $50,000/$100,000 $100,000/$300,000 $500 $29 71 $30 $40
$1,000 $39 72 $30 $40 $2,000 $54 73 $34 $45 $5,000 $69 75 $30 $40
76 $30 $40
77 $31 $42
80 $30 $40
All Other $29 $39
Uninsured Motorist (UM) Base Rates By Territory and Limit of Liability
Territory $12,500/$25,000 $25,000/$50,000 $50,000/$100,000 $100,000/$300,000 71 $101 $151 $205 $241
72 $99 $147 $202 $237
73 $113 $170 $232 $276
75 $101 $151 $205 $241
76 $101 $151 $205 $241
77 $105 $155 $214 $251
80 $99 $147 $202 $237
All Other $98 $144 $199 $232
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-4 Effective 02/03/2020 NB & 03/07/20 RN
Point Surcharge Factors
Points Liability COMP COLL Points Liability COMP COLL Points Liability COMP COLL
0 1.00 1.00 1.00 18 2.80 1.10 2.80 36 9.99 3.14 9.99
1 1.12 1.00 1.12 19 2.90 1.10 2.90 37 10.98 3.45 10.98
2 1.21 1.00 1.21 20 3.00 1.10 3.00 38 12.08 3.80 12.08
3 1.26 1.00 1.26 21 3.10 1.10 3.10 39 13.29 4.18 13.29
4 1.31 1.00 1.31 22 3.20 1.10 3.20 40 14.62 4.59 14.62
5 1.35 1.00 1.35 23 3.30 1.10 3.30 41 16.08 5.05 16.08
6 1.50 1.00 1.50 24 3.40 1.10 3.40 42 17.69 5.56 17.69
7 1.65 1.00 1.65 25 3.50 1.10 3.50 43 19.46 6.12 19.46
8 1.80 1.00 1.80 26 3.85 1.21 3.85 44 21.41 6.73 21.41
9 1.90 1.00 1.90 27 4.24 1.33 4.24 45 23.55 7.40 23.55
10 2.00 1.00 2.00 28 4.66 1.46 4.66 46 25.90 8.14 25.90
11 2.10 1.10 2.10 29 5.12 1.61 5.12 47 28.49 8.95 28.49
12 2.20 1.10 2.20 30 5.64 1.77 5.64 48 31.34 9.85 31.34
13 2.30 1.10 2.30 31 6.20 1.95 6.20 49 34.47 10.83 34.47
14 2.40 1.10 2.40 32 6.82 2.14 6.82 50 37.92 11.92 37.92
15 2.50 1.10 2.50 33 7.50 2.36 7.50 Multiply by a factor of 1.10 for each
additional point above 50 points. 16 2.60 1.10 2.60 34 8.25 2.59 8.25
17 2.70 1.10 2.70 35 9.08 2.85 9.08
Territory Factors
Territory BI PD COMP COLL 70 0.939 0.983 1.239 1.187
71 1.593 1.740 1.469 1.812
72 1.039 1.048 1.110 1.189
73 1.455 1.316 1.527 1.520
74 1.638 1.990 1.342 1.565
75 1.539 1.245 1.569 1.550
76 1.711 1.458 1.472 1.522
77 1.337 1.206 1.435 1.503
78 0.785 0.819 1.214 1.177
79 1.149 1.138 1.371 1.543
80 1.252 1.236 1.108 1.096
81 0.801 0.857 1.177 1.096
82 1.104 1.164 0.931 1.272
83 1.569 1.438 1.144 1.352
84 0.898 0.967 1.363 1.260
85 1.264 1.507 1.249 1.417
86 1.275 1.628 1.056 1.346
87 1.318 1.521 1.184 1.507
88 0.824 0.832 1.086 1.163
89 0.877 0.920 1.261 1.139
90 0.967 1.007 1.076 1.118
91 0.979 1.030 1.050 1.156
92 1.361 1.284 1.262 1.390
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-5 Effective 02/03/2020 NB & 03/07/20 RN
Liability Only Policy Factors (Not Applicable to Named Non-Owner)
Deductible Factors
Coverage Factor Deductible Amount COMP COLL
BI 0.77 $250 1.30 1.30
PD 0.77 $500 1.00 1.00
$1,000 0.75 0.75
Discount Factors – BI, PD, COMP, & COLL1
Description Discount Amount Description Discount Amount
Multi-Car 2 25.0% Named Non-Owner 3 50.0%
Homeowner 2 10.0% Paid in Full 4 8.0%
Senior Operator 2
(Over Age 55 / Defensive Driver Course Completed)
5.0%
Advance Purchase
# Days In Advance
Founders Renewal
(Accident Free) 2
3.0% (6-month renewal)
6.0% (12-month renewal)
0-2 0.0%
3-7 5.0%
8-14 9.0%
15-30 9.0%
31+ 9.0%
1 Total Discount to be calculated on an additive basis, subject to
the Maximum Discount amount shown below:
2 Discount factor not applicable to Non-Owner policies. 3 Named Non-Owner Discount only applies to BI and PD.
Maximum Discount Amount 4 Direct Bill only. PPA Policy 40% Non-Owner Policy 58%
Surcharge Factors - BI, PD, COMP & COLL
Surcharge Amount Surcharge Factor License Type
• Valid Driver’s License (OH, IL, IN and WI) 0.0% 1.00
• International/Foreign Driver’s License (If Never Licensed in the United States)
10.0% 1.10
• Out of State Driver’s License (excluding IL, IN and WI) 10.0% 1.10
Inexperienced Driver 20.0% 1.20
Financial Responsibility Filing (SR-22) 13.0% 1.13
Business Use 20.0% 1.20
Ineligible Risk 200.0% 3.00
Ineligible Replacement Vehicle1 100.0% 2.00
1 Ineligible Replacement Vehicle Surcharge only applies to COLL and COMP for the ineligible replacement vehicle.
BI/PD Vehicle Symbols / Factors
BI/PD Symbol BI PD BI/PD Symbol BI PD BI/PD Symbol BI PD
Unpublished 1.00 1.00 275 0.91 0.91 340 1.23 1.23
215 0.57 0.57 280 0.93 0.93 345 1.27 1.27
220 0.58 0.58 285 0.95 0.95 350 1.32 1.32
225 0.60 0.60 290 0.97 0.97 355 1.36 1.36
230 0.62 0.62 295 0.99 0.99 360 1.41 1.41
235 0.65 0.65 300 1.00 1.00 365 1.45 1.45
240 0.69 0.69 305 1.02 1.02 370 1.49 1.49
245 0.73 0.73 310 1.05 1.05 375 1.54 1.54
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-6 Effective 02/03/2020 NB & 03/07/20 RN
BI/PD Vehicle Symbols / Factors
BI/PD Symbol BI PD BI/PD Symbol BI PD BI/PD Symbol BI PD
250 0.77 0.77 315 1.07 1.07 380 1.58 1.58
255 0.81 0.81 320 1.09 1.09 385 1.62 1.62
260 0.84 0.84 325 1.12 1.12 390 1.67 1.67
265 0.87 0.87 330 1.15 1.15
270 0.89 0.89 335 1.19 1.19
COMP and COLL Vehicle Symbols / Factors
Model Year
2010 & Prior 2010 & Prior 2011 & Later 2011 & Later Symbol COMP Factor COLL Factor COMP Factor COLL Factor
01 0.38 0.62 0.31 0.44
02 0.49 0.70 0.38 0.55
03 0.59 0.77 0.47 0.67
04 0.67 0.82 0.58 0.77
05 0.75 0.86 0.66 0.82
06 0.84 0.90 0.73 0.85
07 0.92 0.95 0.81 0.88
08 1.00 1.00 0.87 0.92
10 1.09 1.05 0.94 0.96
11 1.20 1.10 1.00 1.00
12 1.31 1.15 1.06 1.03
13 1.43 1.21 1.11 1.06
14 1.56 1.28 1.16 1.08
15 1.72 1.37 1.22 1.11
16 1.87 1.44 1.27 1.13
17 2.02 1.52 1.33 1.16
18 2.16 1.60 1.39 1.19
19 2.34 1.68 1.44 1.22
20 2.54 1.76 1.49 1.24
21 2.77 1.84 1.54 1.27
22 3.06 1.94 1.59 1.30
23 1.64 1.33
24 1.69 1.35
25 1.74 1.38
26 1.78 1.40
27 1.83 1.42
28 1.88 1.45
29 1.92 1.47
30 1.97 1.50
31 2.02 1.52
32 2.06 1.54
33 2.10 1.57
34 2.15 1.59
35 2.19 1.61
36 2.25 1.64
37 2.32 1.67
38 2.39 1.70
39 2.45 1.72
40 2.52 1.75
41 2.58 1.77
42 2.65 1.80
43 2.71 1.82
44 2.78 1.84
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-7 Effective 02/03/2020 NB & 03/07/20 RN
COMP and COLL Vehicle Symbols / Factors
Model Year
2010 & Prior 2010 & Prior 2011 & Later 2011 & Later Symbol COMP Factor COLL Factor COMP Factor COLL Factor
45 2.84 1.86
46 2.91 1.89
47 2.99 1.92
48 3.07 1.94
49 3.15 1.97
Vehicle Age Factors
Age BI PD COMP COLL 1 0.91 0.90 1.00 1.00
2 0.93 0.92 0.96 0.94
3 0.95 0.94 0.91 0.89
4 0.97 0.96 0.85 0.83
5 0.99 0.96 0.80 0.78
6 0.99 0.97 0.75 0.73
7 0.99 0.96 0.72 0.69
8 0.99 0.96 0.69 0.65
9 0.99 0.96 0.67 0.61
10 0.99 0.96 0.65 0.57
11 0.99 0.96 0.64 0.54
12 0.98 0.95 0.63 0.52
13 0.97 0.94 0.62 0.50
14 0.96 0.93 0.61 0.48
15 0.94 0.91 0.60 0.47
16 0.93 0.90 0.59 0.46
17 0.92 0.89 0.58 0.45
18 0.90 0.86 0.57 0.44
19 0.88 0.84 0.56 0.43
20+ 0.85 0.81 0.55 0.42
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
0 0 0 N 0 0.937
0 0 0 N 1 0.937
0 0 0 N 2 0.937
0 0 0 N 3 0.937
0 0 0 Y 0 0.937
0 0 0 Y 1 0.937
0 0 0 Y 2 0.937
0 0 0 Y 3 0.937
0 0 50 N 0 0.937
0 0 50 N 1 0.937
0 0 50 N 2 0.937
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-8 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
0 0 50 N 3 0.937
0 0 50 Y 0 0.937
0 0 50 Y 1 0.937
0 0 50 Y 2 0.937
0 0 50 Y 3 0.937
0 0 100 N 0 0.937
0 0 100 N 1 0.937
0 0 100 N 2 0.937
0 0 100 N 3 0.937
0 0 100 Y 0 0.937
0 0 100 Y 1 0.937
0 0 100 Y 2 0.937
0 0 100 Y 3 0.937
0 0 300 N 0 0.993
0 0 300 N 1 0.993
0 0 300 N 2 0.993
0 0 300 N 3 0.993
0 0 300 Y 0 0.993
0 0 300 Y 1 0.993
0 0 300 Y 2 0.993
0 0 300 Y 3 0.993
0 0 500 N 0 0.965
0 0 500 N 1 0.965
0 0 500 N 2 0.965
0 0 500 N 3 0.965
0 0 500 Y 0 0.965
0 0 500 Y 1 0.965
0 0 500 Y 2 0.965
0 0 500 Y 3 0.965
0 1 0 N 0 0.937
0 1 0 N 1 0.937
0 1 0 N 2 0.937
0 1 0 N 3 0.937
0 1 0 Y 0 0.937
0 1 0 Y 1 0.937
0 1 0 Y 2 0.937
0 1 0 Y 3 0.937
0 1 50 N 0 0.937
0 1 50 N 1 0.937
0 1 50 N 2 0.937
0 1 50 N 3 0.937
0 1 50 Y 0 0.937
0 1 50 Y 1 0.937
0 1 50 Y 2 0.937
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-9 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
0 1 50 Y 3 0.937
0 1 100 N 0 0.937
0 1 100 N 1 0.937
0 1 100 N 2 0.937
0 1 100 N 3 0.937
0 1 100 Y 0 0.937
0 1 100 Y 1 0.937
0 1 100 Y 2 0.937
0 1 100 Y 3 0.937
0 1 300 N 0 0.993
0 1 300 N 1 0.993
0 1 300 N 2 0.993
0 1 300 N 3 0.993
0 1 300 Y 0 0.993
0 1 300 Y 1 0.993
0 1 300 Y 2 0.993
0 1 300 Y 3 0.993
0 1 500 N 0 0.965
0 1 500 N 1 0.965
0 1 500 N 2 0.965
0 1 500 N 3 0.965
0 1 500 Y 0 0.965
0 1 500 Y 1 0.965
0 1 500 Y 2 0.965
0 1 500 Y 3 0.965
0 31 0 N 0 0.937
0 31 0 N 1 0.937
0 31 0 N 2 0.937
0 31 0 N 3 0.937
0 31 0 Y 0 0.937
0 31 0 Y 1 0.937
0 31 0 Y 2 0.937
0 31 0 Y 3 0.937
0 31 50 N 0 0.937
0 31 50 N 1 0.937
0 31 50 N 2 0.937
0 31 50 N 3 0.937
0 31 50 Y 0 0.937
0 31 50 Y 1 0.937
0 31 50 Y 2 0.937
0 31 50 Y 3 0.937
0 31 100 N 0 0.937
0 31 100 N 1 0.937
0 31 100 N 2 0.937
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-10 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
0 31 100 N 3 0.937
0 31 100 Y 0 0.937
0 31 100 Y 1 0.937
0 31 100 Y 2 0.937
0 31 100 Y 3 0.937
0 31 300 N 0 0.993
0 31 300 N 1 0.993
0 31 300 N 2 0.993
0 31 300 N 3 0.993
0 31 300 Y 0 0.993
0 31 300 Y 1 0.993
0 31 300 Y 2 0.993
0 31 300 Y 3 0.993
0 31 500 N 0 0.965
0 31 500 N 1 0.965
0 31 500 N 2 0.965
0 31 500 N 3 0.965
0 31 500 Y 0 0.965
0 31 500 Y 1 0.965
0 31 500 Y 2 0.965
0 31 500 Y 3 0.965
0 121 0 N 0 0.909
0 121 0 N 1 0.909
0 121 0 N 2 0.909
0 121 0 N 3 0.909
0 121 0 Y 0 0.909
0 121 0 Y 1 0.909
0 121 0 Y 2 0.909
0 121 0 Y 3 0.909
0 121 50 N 0 0.909
0 121 50 N 1 0.909
0 121 50 N 2 0.909
0 121 50 N 3 0.909
0 121 50 Y 0 0.909
0 121 50 Y 1 0.909
0 121 50 Y 2 0.909
0 121 50 Y 3 0.909
0 121 100 N 0 0.909
0 121 100 N 1 0.909
0 121 100 N 2 0.909
0 121 100 N 3 0.909
0 121 100 Y 0 0.909
0 121 100 Y 1 0.909
0 121 100 Y 2 0.909
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-11 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
0 121 100 Y 3 0.909
0 121 300 N 0 0.963
0 121 300 N 1 0.963
0 121 300 N 2 0.963
0 121 300 N 3 0.963
0 121 300 Y 0 0.963
0 121 300 Y 1 0.963
0 121 300 Y 2 0.963
0 121 300 Y 3 0.963
0 121 500 N 0 0.936
0 121 500 N 1 0.936
0 121 500 N 2 0.936
0 121 500 N 3 0.936
0 121 500 Y 0 0.936
0 121 500 Y 1 0.936
0 121 500 Y 2 0.936
0 121 500 Y 3 0.936
1 0 0 N 0 1.022
1 0 0 N 1 1.043
1 0 0 N 2 1.074
1 0 0 N 3 1.176
1 0 0 Y 0 1.227
1 0 0 Y 1 1.251
1 0 0 Y 2 1.289
1 0 0 Y 3 1.411
1 0 50 N 0 0.974
1 0 50 N 1 0.994
1 0 50 N 2 1.022
1 0 50 N 3 1.120
1 0 50 Y 0 1.168
1 0 50 Y 1 1.193
1 0 50 Y 2 1.227
1 0 50 Y 3 1.344
1 0 100 N 0 0.896
1 0 100 N 1 0.914
1 0 100 N 2 0.941
1 0 100 N 3 1.030
1 0 100 Y 0 1.075
1 0 100 Y 1 1.097
1 0 100 Y 2 1.129
1 0 100 Y 3 1.236
1 0 300 N 0 0.867
1 0 300 N 1 0.885
1 0 300 N 2 0.911
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-12 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
1 0 300 N 3 0.997
1 0 300 Y 0 1.041
1 0 300 Y 1 1.062
1 0 300 Y 2 1.092
1 0 300 Y 3 1.197
1 0 500 N 0 0.813
1 0 500 N 1 0.829
1 0 500 N 2 0.853
1 0 500 N 3 0.935
1 0 500 Y 0 0.975
1 0 500 Y 1 0.995
1 0 500 Y 2 1.023
1 0 500 Y 3 1.122
1 1 0 N 0 1.132
1 1 0 N 1 1.155
1 1 0 N 2 1.188
1 1 0 N 3 1.301
1 1 0 Y 0 1.358
1 1 0 Y 1 1.385
1 1 0 Y 2 1.426
1 1 0 Y 3 1.562
1 1 50 N 0 1.078
1 1 50 N 1 1.099
1 1 50 N 2 1.132
1 1 50 N 3 1.240
1 1 50 Y 0 1.293
1 1 50 Y 1 1.319
1 1 50 Y 2 1.358
1 1 50 Y 3 1.487
1 1 100 N 0 0.991
1 1 100 N 1 1.011
1 1 100 N 2 1.041
1 1 100 N 3 1.140
1 1 100 Y 0 1.189
1 1 100 Y 1 1.213
1 1 100 Y 2 1.249
1 1 100 Y 3 1.369
1 1 300 N 0 0.959
1 1 300 N 1 0.979
1 1 300 N 2 1.007
1 1 300 N 3 1.103
1 1 300 Y 0 1.152
1 1 300 Y 1 1.174
1 1 300 Y 2 1.209
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-13 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
1 1 300 Y 3 1.324
1 1 500 N 0 0.899
1 1 500 N 1 0.917
1 1 500 N 2 0.944
1 1 500 N 3 1.034
1 1 500 Y 0 1.079
1 1 500 Y 1 1.100
1 1 500 Y 2 1.132
1 1 500 Y 3 1.240
1 31 0 N 0 1.197
1 31 0 N 1 1.220
1 31 0 N 2 1.257
1 31 0 N 3 1.377
1 31 0 Y 0 1.436
1 31 0 Y 1 1.465
1 31 0 Y 2 1.508
1 31 0 Y 3 1.651
1 31 50 N 0 1.140
1 31 50 N 1 1.163
1 31 50 N 2 1.197
1 31 50 N 3 1.311
1 31 50 Y 0 1.367
1 31 50 Y 1 1.395
1 31 50 Y 2 1.436
1 31 50 Y 3 1.573
1 31 100 N 0 1.049
1 31 100 N 1 1.070
1 31 100 N 2 1.101
1 31 100 N 3 1.206
1 31 100 Y 0 1.258
1 31 100 Y 1 1.283
1 31 100 Y 2 1.321
1 31 100 Y 3 1.447
1 31 300 N 0 1.015
1 31 300 N 1 1.035
1 31 300 N 2 1.065
1 31 300 N 3 1.167
1 31 300 Y 0 1.218
1 31 300 Y 1 1.242
1 31 300 Y 2 1.279
1 31 300 Y 3 1.401
1 31 500 N 0 0.951
1 31 500 N 1 0.970
1 31 500 N 2 0.999
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-14 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
1 31 500 N 3 1.093
1 31 500 Y 0 1.141
1 31 500 Y 1 1.164
1 31 500 Y 2 1.199
1 31 500 Y 3 1.312
1 121 0 N 0 1.583
1 121 0 N 1 1.614
1 121 0 N 2 1.662
1 121 0 N 3 1.820
1 121 0 Y 0 1.900
1 121 0 Y 1 1.938
1 121 0 Y 2 1.995
1 121 0 Y 3 2.184
1 121 50 N 0 1.508
1 121 50 N 1 1.538
1 121 50 N 2 1.583
1 121 50 N 3 1.733
1 121 50 Y 0 1.809
1 121 50 Y 1 1.845
1 121 50 Y 2 1.900
1 121 50 Y 3 2.080
1 121 100 N 0 1.387
1 121 100 N 1 1.414
1 121 100 N 2 1.457
1 121 100 N 3 1.595
1 121 100 Y 0 1.664
1 121 100 Y 1 1.698
1 121 100 Y 2 1.748
1 121 100 Y 3 1.914
1 121 300 N 0 1.342
1 121 300 N 1 1.369
1 121 300 N 2 1.409
1 121 300 N 3 1.544
1 121 300 Y 0 1.610
1 121 300 Y 1 1.644
1 121 300 Y 2 1.691
1 121 300 Y 3 1.853
1 121 500 N 0 1.258
1 121 500 N 1 1.283
1 121 500 N 2 1.320
1 121 500 N 3 1.447
1 121 500 Y 0 1.510
1 121 500 Y 1 1.540
1 121 500 Y 2 1.584
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-15 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
1 121 500 Y 3 1.736
6 0 0 N 0 0.853
6 0 0 N 1 0.871
6 0 0 N 2 0.897
6 0 0 N 3 0.982
6 0 0 Y 0 1.024
6 0 0 Y 1 1.044
6 0 0 Y 2 1.076
6 0 0 Y 3 1.178
6 0 50 N 0 0.813
6 0 50 N 1 0.829
6 0 50 N 2 0.853
6 0 50 N 3 0.935
6 0 50 Y 0 0.975
6 0 50 Y 1 0.996
6 0 50 Y 2 1.024
6 0 50 Y 3 1.122
6 0 100 N 0 0.748
6 0 100 N 1 0.763
6 0 100 N 2 0.785
6 0 100 N 3 0.860
6 0 100 Y 0 0.898
6 0 100 Y 1 0.916
6 0 100 Y 2 0.943
6 0 100 Y 3 1.032
6 0 300 N 0 0.724
6 0 300 N 1 0.739
6 0 300 N 2 0.760
6 0 300 N 3 0.832
6 0 300 Y 0 0.869
6 0 300 Y 1 0.886
6 0 300 Y 2 0.912
6 0 300 Y 3 0.999
6 0 500 N 0 0.678
6 0 500 N 1 0.692
6 0 500 N 2 0.712
6 0 500 N 3 0.780
6 0 500 Y 0 0.814
6 0 500 Y 1 0.831
6 0 500 Y 2 0.854
6 0 500 Y 3 0.936
6 1 0 N 0 0.945
6 1 0 N 1 0.964
6 1 0 N 2 0.992
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-16 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
6 1 0 N 3 1.086
6 1 0 Y 0 1.134
6 1 0 Y 1 1.156
6 1 0 Y 2 1.190
6 1 0 Y 3 1.304
6 1 50 N 0 0.900
6 1 50 N 1 0.918
6 1 50 N 2 0.945
6 1 50 N 3 1.035
6 1 50 Y 0 1.079
6 1 50 Y 1 1.101
6 1 50 Y 2 1.134
6 1 50 Y 3 1.241
6 1 100 N 0 0.828
6 1 100 N 1 0.844
6 1 100 N 2 0.869
6 1 100 N 3 0.951
6 1 100 Y 0 0.993
6 1 100 Y 1 1.013
6 1 100 Y 2 1.043
6 1 100 Y 3 1.142
6 1 300 N 0 0.801
6 1 300 N 1 0.817
6 1 300 N 2 0.841
6 1 300 N 3 0.921
6 1 300 Y 0 0.962
6 1 300 Y 1 0.980
6 1 300 Y 2 1.009
6 1 300 Y 3 1.105
6 1 500 N 0 0.750
6 1 500 N 1 0.765
6 1 500 N 2 0.788
6 1 500 N 3 0.863
6 1 500 Y 0 0.901
6 1 500 Y 1 0.919
6 1 500 Y 2 0.945
6 1 500 Y 3 1.035
6 31 0 N 0 0.999
6 31 0 N 1 1.019
6 31 0 N 2 1.049
6 31 0 N 3 1.149
6 31 0 Y 0 1.199
6 31 0 Y 1 1.223
6 31 0 Y 2 1.259
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-17 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
6 31 0 Y 3 1.379
6 31 50 N 0 0.951
6 31 50 N 1 0.971
6 31 50 N 2 0.999
6 31 50 N 3 1.094
6 31 50 Y 0 1.141
6 31 50 Y 1 1.164
6 31 50 Y 2 1.199
6 31 50 Y 3 1.313
6 31 100 N 0 0.876
6 31 100 N 1 0.893
6 31 100 N 2 0.919
6 31 100 N 3 1.007
6 31 100 Y 0 1.050
6 31 100 Y 1 1.071
6 31 100 Y 2 1.103
6 31 100 Y 3 1.208
6 31 300 N 0 0.848
6 31 300 N 1 0.864
6 31 300 N 2 0.889
6 31 300 N 3 0.974
6 31 300 Y 0 1.017
6 31 300 Y 1 1.037
6 31 300 Y 2 1.067
6 31 300 Y 3 1.169
6 31 500 N 0 0.794
6 31 500 N 1 0.810
6 31 500 N 2 0.834
6 31 500 N 3 0.913
6 31 500 Y 0 0.952
6 31 500 Y 1 0.972
6 31 500 Y 2 1.001
6 31 500 Y 3 1.096
6 121 0 N 0 1.321
6 121 0 N 1 1.347
6 121 0 N 2 1.387
6 121 0 N 3 1.520
6 121 0 Y 0 1.586
6 121 0 Y 1 1.617
6 121 0 Y 2 1.665
6 121 0 Y 3 1.823
6 121 50 N 0 1.259
6 121 50 N 1 1.284
6 121 50 N 2 1.321
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-18 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
6 121 50 N 3 1.447
6 121 50 Y 0 1.510
6 121 50 Y 1 1.540
6 121 50 Y 2 1.586
6 121 50 Y 3 1.737
6 121 100 N 0 1.157
6 121 100 N 1 1.181
6 121 100 N 2 1.216
6 121 100 N 3 1.332
6 121 100 Y 0 1.389
6 121 100 Y 1 1.417
6 121 100 Y 2 1.459
6 121 100 Y 3 1.598
6 121 300 N 0 1.120
6 121 300 N 1 1.143
6 121 300 N 2 1.177
6 121 300 N 3 1.289
6 121 300 Y 0 1.344
6 121 300 Y 1 1.372
6 121 300 Y 2 1.412
6 121 300 Y 3 1.547
6 121 500 N 0 1.050
6 121 500 N 1 1.071
6 121 500 N 2 1.102
6 121 500 N 3 1.208
6 121 500 Y 0 1.260
6 121 500 Y 1 1.285
6 121 500 Y 2 1.323
6 121 500 Y 3 1.449
12 0 0 N 0 0.759
12 0 0 N 1 0.773
12 0 0 N 2 0.796
12 0 0 N 3 0.872
12 0 0 Y 0 0.910
12 0 0 Y 1 0.928
12 0 0 Y 2 0.956
12 0 0 Y 3 1.047
12 0 50 N 0 0.722
12 0 50 N 1 0.737
12 0 50 N 2 0.759
12 0 50 N 3 0.831
12 0 50 Y 0 0.866
12 0 50 Y 1 0.884
12 0 50 Y 2 0.910
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-19 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
12 0 50 Y 3 0.997
12 0 100 N 0 0.664
12 0 100 N 1 0.678
12 0 100 N 2 0.698
12 0 100 N 3 0.764
12 0 100 Y 0 0.798
12 0 100 Y 1 0.813
12 0 100 Y 2 0.837
12 0 100 Y 3 0.917
12 0 300 N 0 0.643
12 0 300 N 1 0.655
12 0 300 N 2 0.675
12 0 300 N 3 0.740
12 0 300 Y 0 0.772
12 0 300 Y 1 0.787
12 0 300 Y 2 0.810
12 0 300 Y 3 0.887
12 0 500 N 0 0.603
12 0 500 N 1 0.615
12 0 500 N 2 0.633
12 0 500 N 3 0.692
12 0 500 Y 0 0.723
12 0 500 Y 1 0.738
12 0 500 Y 2 0.759
12 0 500 Y 3 0.832
12 1 0 N 0 0.839
12 1 0 N 1 0.856
12 1 0 N 2 0.881
12 1 0 N 3 0.965
12 1 0 Y 0 1.006
12 1 0 Y 1 1.027
12 1 0 Y 2 1.057
12 1 0 Y 3 1.157
12 1 50 N 0 0.799
12 1 50 N 1 0.815
12 1 50 N 2 0.839
12 1 50 N 3 0.919
12 1 50 Y 0 0.958
12 1 50 Y 1 0.978
12 1 50 Y 2 1.006
12 1 50 Y 3 1.103
12 1 100 N 0 0.735
12 1 100 N 1 0.750
12 1 100 N 2 0.772
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-20 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
12 1 100 N 3 0.846
12 1 100 Y 0 0.882
12 1 100 Y 1 0.900
12 1 100 Y 2 0.926
12 1 100 Y 3 1.014
12 1 300 N 0 0.712
12 1 300 N 1 0.726
12 1 300 N 2 0.747
12 1 300 N 3 0.819
12 1 300 Y 0 0.854
12 1 300 Y 1 0.871
12 1 300 Y 2 0.896
12 1 300 Y 3 0.982
12 1 500 N 0 0.666
12 1 500 N 1 0.680
12 1 500 N 2 0.700
12 1 500 N 3 0.767
12 1 500 Y 0 0.800
12 1 500 Y 1 0.816
12 1 500 Y 2 0.840
12 1 500 Y 3 0.920
12 31 0 N 0 0.888
12 31 0 N 1 0.906
12 31 0 N 2 0.932
12 31 0 N 3 1.020
12 31 0 Y 0 1.065
12 31 0 Y 1 1.086
12 31 0 Y 2 1.118
12 31 0 Y 3 1.225
12 31 50 N 0 0.845
12 31 50 N 1 0.862
12 31 50 N 2 0.888
12 31 50 N 3 0.972
12 31 50 Y 0 1.014
12 31 50 Y 1 1.035
12 31 50 Y 2 1.065
12 31 50 Y 3 1.166
12 31 100 N 0 0.777
12 31 100 N 1 0.793
12 31 100 N 2 0.816
12 31 100 N 3 0.894
12 31 100 Y 0 0.933
12 31 100 Y 1 0.952
12 31 100 Y 2 0.980
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-21 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
12 31 100 Y 3 1.073
12 31 300 N 0 0.752
12 31 300 N 1 0.768
12 31 300 N 2 0.791
12 31 300 N 3 0.865
12 31 300 Y 0 0.903
12 31 300 Y 1 0.921
12 31 300 Y 2 0.948
12 31 300 Y 3 1.039
12 31 500 N 0 0.706
12 31 500 N 1 0.720
12 31 500 N 2 0.740
12 31 500 N 3 0.811
12 31 500 Y 0 0.846
12 31 500 Y 1 0.863
12 31 500 Y 2 0.888
12 31 500 Y 3 0.973
12 121 0 N 0 1.174
12 121 0 N 1 1.197
12 121 0 N 2 1.233
12 121 0 N 3 1.350
12 121 0 Y 0 1.409
12 121 0 Y 1 1.436
12 121 0 Y 2 1.479
12 121 0 Y 3 1.620
12 121 50 N 0 1.118
12 121 50 N 1 1.141
12 121 50 N 2 1.174
12 121 50 N 3 1.285
12 121 50 Y 0 1.341
12 121 50 Y 1 1.368
12 121 50 Y 2 1.409
12 121 50 Y 3 1.543
12 121 100 N 0 1.029
12 121 100 N 1 1.049
12 121 100 N 2 1.080
12 121 100 N 3 1.183
12 121 100 Y 0 1.234
12 121 100 Y 1 1.259
12 121 100 Y 2 1.296
12 121 100 Y 3 1.419
12 121 300 N 0 0.996
12 121 300 N 1 1.016
12 121 300 N 2 1.045
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-22 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
12 121 300 N 3 1.145
12 121 300 Y 0 1.194
12 121 300 Y 1 1.218
12 121 300 Y 2 1.255
12 121 300 Y 3 1.373
12 121 500 N 0 0.933
12 121 500 N 1 0.952
12 121 500 N 2 0.979
12 121 500 N 3 1.072
12 121 500 Y 0 1.119
12 121 500 Y 1 1.142
12 121 500 Y 2 1.175
12 121 500 Y 3 1.288
36 0 0 N 0 0.662
36 0 0 N 1 0.675
36 0 0 N 2 0.695
36 0 0 N 3 0.761
36 0 0 Y 0 0.794
36 0 0 Y 1 0.810
36 0 0 Y 2 0.834
36 0 0 Y 3 0.914
36 0 50 N 0 0.631
36 0 50 N 1 0.643
36 0 50 N 2 0.662
36 0 50 N 3 0.725
36 0 50 Y 0 0.756
36 0 50 Y 1 0.771
36 0 50 Y 2 0.794
36 0 50 Y 3 0.870
36 0 100 N 0 0.580
36 0 100 N 1 0.592
36 0 100 N 2 0.609
36 0 100 N 3 0.667
36 0 100 Y 0 0.696
36 0 100 Y 1 0.710
36 0 100 Y 2 0.731
36 0 100 Y 3 0.801
36 0 300 N 0 0.561
36 0 300 N 1 0.573
36 0 300 N 2 0.589
36 0 300 N 3 0.645
36 0 300 Y 0 0.674
36 0 300 Y 1 0.687
36 0 300 Y 2 0.707
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-23 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
36 0 300 Y 3 0.774
36 0 500 N 0 0.526
36 0 500 N 1 0.536
36 0 500 N 2 0.552
36 0 500 N 3 0.605
36 0 500 Y 0 0.631
36 0 500 Y 1 0.644
36 0 500 Y 2 0.662
36 0 500 Y 3 0.726
36 1 0 N 0 0.732
36 1 0 N 1 0.747
36 1 0 N 2 0.769
36 1 0 N 3 0.843
36 1 0 Y 0 0.879
36 1 0 Y 1 0.897
36 1 0 Y 2 0.922
36 1 0 Y 3 1.011
36 1 50 N 0 0.697
36 1 50 N 1 0.712
36 1 50 N 2 0.732
36 1 50 N 3 0.802
36 1 50 Y 0 0.837
36 1 50 Y 1 0.854
36 1 50 Y 2 0.879
36 1 50 Y 3 0.962
36 1 100 N 0 0.642
36 1 100 N 1 0.655
36 1 100 N 2 0.674
36 1 100 N 3 0.738
36 1 100 Y 0 0.770
36 1 100 Y 1 0.786
36 1 100 Y 2 0.808
36 1 100 Y 3 0.885
36 1 300 N 0 0.621
36 1 300 N 1 0.633
36 1 300 N 2 0.653
36 1 300 N 3 0.714
36 1 300 Y 0 0.745
36 1 300 Y 1 0.760
36 1 300 Y 2 0.782
36 1 300 Y 3 0.857
36 1 500 N 0 0.582
36 1 500 N 1 0.594
36 1 500 N 2 0.611
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-24 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
36 1 500 N 3 0.669
36 1 500 Y 0 0.699
36 1 500 Y 1 0.712
36 1 500 Y 2 0.733
36 1 500 Y 3 0.803
36 31 0 N 0 0.774
36 31 0 N 1 0.790
36 31 0 N 2 0.813
36 31 0 N 3 0.891
36 31 0 Y 0 0.930
36 31 0 Y 1 0.948
36 31 0 Y 2 0.976
36 31 0 Y 3 1.069
36 31 50 N 0 0.738
36 31 50 N 1 0.752
36 31 50 N 2 0.774
36 31 50 N 3 0.848
36 31 50 Y 0 0.885
36 31 50 Y 1 0.903
36 31 50 Y 2 0.930
36 31 50 Y 3 1.018
36 31 100 N 0 0.678
36 31 100 N 1 0.693
36 31 100 N 2 0.713
36 31 100 N 3 0.781
36 31 100 Y 0 0.814
36 31 100 Y 1 0.831
36 31 100 Y 2 0.855
36 31 100 Y 3 0.937
36 31 300 N 0 0.657
36 31 300 N 1 0.670
36 31 300 N 2 0.690
36 31 300 N 3 0.755
36 31 300 Y 0 0.788
36 31 300 Y 1 0.804
36 31 300 Y 2 0.828
36 31 300 Y 3 0.906
36 31 500 N 0 0.615
36 31 500 N 1 0.628
36 31 500 N 2 0.646
36 31 500 N 3 0.707
36 31 500 Y 0 0.739
36 31 500 Y 1 0.753
36 31 500 Y 2 0.776
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-25 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
36 31 500 Y 3 0.849
36 121 0 N 0 1.025
36 121 0 N 1 1.045
36 121 0 N 2 1.076
36 121 0 N 3 1.179
36 121 0 Y 0 1.229
36 121 0 Y 1 1.254
36 121 0 Y 2 1.291
36 121 0 Y 3 1.414
36 121 50 N 0 0.976
36 121 50 N 1 0.995
36 121 50 N 2 1.025
36 121 50 N 3 1.122
36 121 50 Y 0 1.171
36 121 50 Y 1 1.194
36 121 50 Y 2 1.229
36 121 50 Y 3 1.346
36 121 100 N 0 0.898
36 121 100 N 1 0.916
36 121 100 N 2 0.943
36 121 100 N 3 1.032
36 121 100 Y 0 1.077
36 121 100 Y 1 1.099
36 121 100 Y 2 1.132
36 121 100 Y 3 1.239
36 121 300 N 0 0.869
36 121 300 N 1 0.886
36 121 300 N 2 0.912
36 121 300 N 3 0.999
36 121 300 Y 0 1.042
36 121 300 Y 1 1.064
36 121 300 Y 2 1.095
36 121 300 Y 3 1.199
36 121 500 N 0 0.814
36 121 500 N 1 0.831
36 121 500 N 2 0.855
36 121 500 N 3 0.936
36 121 500 Y 0 0.977
36 121 500 Y 1 0.997
36 121 500 Y 2 1.026
36 121 500 Y 3 1.124
60 0 0 N 0 0.614
60 0 0 N 1 0.626
60 0 0 N 2 0.645
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-26 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
60 0 0 N 3 0.707
60 0 0 Y 0 0.736
60 0 0 Y 1 0.752
60 0 0 Y 2 0.774
60 0 0 Y 3 0.848
60 0 50 N 0 0.585
60 0 50 N 1 0.596
60 0 50 N 2 0.614
60 0 50 N 3 0.673
60 0 50 Y 0 0.701
60 0 50 Y 1 0.716
60 0 50 Y 2 0.736
60 0 50 Y 3 0.808
60 0 100 N 0 0.538
60 0 100 N 1 0.549
60 0 100 N 2 0.564
60 0 100 N 3 0.619
60 0 100 Y 0 0.646
60 0 100 Y 1 0.658
60 0 100 Y 2 0.678
60 0 100 Y 3 0.743
60 0 300 N 0 0.521
60 0 300 N 1 0.531
60 0 300 N 2 0.547
60 0 300 N 3 0.598
60 0 300 Y 0 0.625
60 0 300 Y 1 0.638
60 0 300 Y 2 0.656
60 0 300 Y 3 0.718
60 0 500 N 0 0.488
60 0 500 N 1 0.498
60 0 500 N 2 0.512
60 0 500 N 3 0.561
60 0 500 Y 0 0.586
60 0 500 Y 1 0.597
60 0 500 Y 2 0.614
60 0 500 Y 3 0.674
60 1 0 N 0 0.680
60 1 0 N 1 0.693
60 1 0 N 2 0.714
60 1 0 N 3 0.782
60 1 0 Y 0 0.815
60 1 0 Y 1 0.831
60 1 0 Y 2 0.856
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-27 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
60 1 0 Y 3 0.937
60 1 50 N 0 0.647
60 1 50 N 1 0.660
60 1 50 N 2 0.680
60 1 50 N 3 0.744
60 1 50 Y 0 0.777
60 1 50 Y 1 0.792
60 1 50 Y 2 0.815
60 1 50 Y 3 0.893
60 1 100 N 0 0.595
60 1 100 N 1 0.607
60 1 100 N 2 0.625
60 1 100 N 3 0.685
60 1 100 Y 0 0.714
60 1 100 Y 1 0.728
60 1 100 Y 2 0.750
60 1 100 Y 3 0.822
60 1 300 N 0 0.576
60 1 300 N 1 0.587
60 1 300 N 2 0.605
60 1 300 N 3 0.663
60 1 300 Y 0 0.691
60 1 300 Y 1 0.705
60 1 300 Y 2 0.726
60 1 300 Y 3 0.795
60 1 500 N 0 0.540
60 1 500 N 1 0.551
60 1 500 N 2 0.567
60 1 500 N 3 0.621
60 1 500 Y 0 0.648
60 1 500 Y 1 0.661
60 1 500 Y 2 0.680
60 1 500 Y 3 0.745
60 31 0 N 0 0.719
60 31 0 N 1 0.733
60 31 0 N 2 0.755
60 31 0 N 3 0.826
60 31 0 Y 0 0.862
60 31 0 Y 1 0.880
60 31 0 Y 2 0.905
60 31 0 Y 3 0.992
60 31 50 N 0 0.684
60 31 50 N 1 0.698
60 31 50 N 2 0.719
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-28 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
60 31 50 N 3 0.787
60 31 50 Y 0 0.821
60 31 50 Y 1 0.837
60 31 50 Y 2 0.862
60 31 50 Y 3 0.945
60 31 100 N 0 0.629
60 31 100 N 1 0.642
60 31 100 N 2 0.661
60 31 100 N 3 0.724
60 31 100 Y 0 0.755
60 31 100 Y 1 0.770
60 31 100 Y 2 0.793
60 31 100 Y 3 0.869
60 31 300 N 0 0.609
60 31 300 N 1 0.621
60 31 300 N 2 0.640
60 31 300 N 3 0.701
60 31 300 Y 0 0.732
60 31 300 Y 1 0.746
60 31 300 Y 2 0.768
60 31 300 Y 3 0.841
60 31 500 N 0 0.571
60 31 500 N 1 0.582
60 31 500 N 2 0.599
60 31 500 N 3 0.657
60 31 500 Y 0 0.685
60 31 500 Y 1 0.699
60 31 500 Y 2 0.719
60 31 500 Y 3 0.788
60 121 0 N 0 0.950
60 121 0 N 1 0.969
60 121 0 N 2 0.998
60 121 0 N 3 1.093
60 121 0 Y 0 1.141
60 121 0 Y 1 1.163
60 121 0 Y 2 1.198
60 121 0 Y 3 1.312
60 121 50 N 0 0.905
60 121 50 N 1 0.923
60 121 50 N 2 0.950
60 121 50 N 3 1.041
60 121 50 Y 0 1.086
60 121 50 Y 1 1.108
60 121 50 Y 2 1.141
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-29 Effective 02/03/2020 NB & 03/07/20 RN
Prior Insurance Factors – BI, PD, COMP & COLL Policies with an original inception date prior to 2/13/2019 will be assigned a Prior Insurance Factor of “0.850” if they qualified when first issued for a “Transfer Credit.” All other policies with original inception dates prior to 2/13/2019 will be assigned a Prior Insurance Factor of “1.000.”
Minimum # Months With
Prior Insurance
Minimum # Days With
Coverage Lapse
Minimum Prior Policy BI Per
Occurrence Limit (000)
Prior Policy Cancelled during
1st 60 Days of Term
( Y / N )
Prior Policy Minimum # Cancels During Policy Term
Prior Insurance
Factor
60 121 50 Y 3 1.249
60 121 100 N 0 0.833
60 121 100 N 1 0.849
60 121 100 N 2 0.874
60 121 100 N 3 0.958
60 121 100 Y 0 0.999
60 121 100 Y 1 1.019
60 121 100 Y 2 1.049
60 121 100 Y 3 1.149
60 121 300 N 0 0.806
60 121 300 N 1 0.822
60 121 300 N 2 0.846
60 121 300 N 3 0.927
60 121 300 Y 0 0.967
60 121 300 Y 1 0.987
60 121 300 Y 2 1.016
60 121 300 Y 3 1.112
60 121 500 N 0 0.755
60 121 500 N 1 0.771
60 121 500 N 2 0.793
60 121 500 N 3 0.869
60 121 500 Y 0 0.907
60 121 500 Y 1 0.924
60 121 500 Y 2 0.952
60 121 500 Y 3 1.042
Driver Classification Factors
Class BI PD COMP COLL SM15 4.492 4.492 2.220 3.623
SM16 4.424 4.449 2.211 3.574
SM17 4.195 4.253 2.186 3.422
SM18 3.530 3.812 2.073 2.990
SM19 2.679 2.853 1.964 2.529
SM20 2.252 2.494 1.839 2.266
SM21 1.909 2.122 1.662 2.035
SM22 1.727 1.964 1.519 1.934
SM23 1.580 1.748 1.391 1.737
SM24 1.437 1.552 1.296 1.554
SM25 1.310 1.400 1.218 1.418
SM26 1.239 1.321 1.159 1.325
SM27 1.180 1.269 1.124 1.273
SM28 1.131 1.223 1.101 1.231
SM29 1.095 1.184 1.081 1.195
SM30 1.074 1.154 1.062 1.171
SM31 1.063 1.133 1.049 1.151
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-30 Effective 02/03/2020 NB & 03/07/20 RN
Class BI PD COMP COLL SM32 1.053 1.120 1.032 1.133
SM33 1.044 1.108 1.021 1.121
SM34 1.035 1.089 1.009 1.110
SM35 1.027 1.069 0.999 1.100
SM36 1.019 1.044 0.984 1.090
SM37 1.016 1.029 0.979 1.080
SM38 1.009 1.020 0.969 1.070
SM39 1.007 1.018 0.960 1.061
SM40 1.001 1.016 0.951 1.052
SM41 0.999 1.015 0.942 1.048
SM42 0.997 1.009 0.938 1.039
SM43 0.992 1.007 0.930 1.031
SM44 0.990 1.005 0.922 1.022
SM45 0.988 1.000 0.919 1.018
SM46 0.983 0.998 0.911 1.010
SM47 0.981 0.996 0.909 1.002
SM48 0.979 0.988 0.901 0.999
SM49 0.971 0.981 0.899 0.991
SM50 0.964 0.978 0.891 0.988
SM51 0.956 0.971 0.889 0.980
SM52 0.955 0.970 0.881 0.972
SM53 0.954 0.969 0.879 0.969
SM54 0.954 0.969 0.871 0.961
SM55 0.954 0.969 0.869 0.959
SM56 0.954 0.969 0.862 0.951
SM57 0.955 0.970 0.860 0.949
SM58 0.956 0.974 0.858 0.942
SM59 0.964 0.987 0.852 0.941
SM60 0.973 1.022 0.850 0.940
SM61 0.984 1.038 0.848 0.941
SM62 1.004 1.053 0.841 0.943
SM63 1.032 1.073 0.839 0.951
SM64 1.072 1.097 0.832 0.960
SM65 1.114 1.134 0.830 0.970
SM66 1.157 1.177 0.828 0.981
SM67 1.193 1.216 0.822 0.995
SM68 1.228 1.254 0.820 1.023
SM69 1.262 1.291 0.818 1.062
SM70 1.296 1.329 0.812 1.122
SM71 1.331 1.368 0.811 1.210
SM72 1.372 1.411 0.809 1.299
SM73 1.503 1.534 0.808 1.390
SM74 1.712 1.734 0.802 1.474
SM75 2.495 2.500 0.800 1.544
SM76 2.653 2.655 0.798 1.561
SM77 2.730 2.730 0.792 1.566
SM78 2.730 2.730 0.790 1.566
SM79 2.730 2.730 0.788 1.566
SM80 2.730 2.730 0.782 1.566
SM81 2.730 2.730 0.781 1.566
SM82 2.730 2.730 0.779 1.566
SM83 2.730 2.730 0.778 1.566
SM84 2.730 2.730 0.772 1.566
SM85 2.730 2.730 0.771 1.566
SM86 2.730 2.730 0.769 1.566
SM87 2.730 2.730 0.768 1.566
SM88 2.730 2.730 0.762 1.566
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-31 Effective 02/03/2020 NB & 03/07/20 RN
Class BI PD COMP COLL SM89 2.730 2.730 0.761 1.566
SM90 2.730 2.730 0.759 1.566
SM91 2.730 2.730 0.758 1.566
SM92 2.730 2.730 0.752 1.566
SM93 2.730 2.730 0.751 1.566
SM94 2.730 2.730 0.749 1.566
SM95 2.730 2.730 0.748 1.566
SM96 2.730 2.730 0.742 1.566
SM97 2.730 2.730 0.741 1.566
SM98 2.730 2.730 0.740 1.566
SM99+ 2.730 2.730 0.740 1.566
Class BI PD COMP COLL SF15 3.690 3.582 1.560 2.874
SF16 3.636 3.530 1.553 2.843
SF17 3.455 3.354 1.539 2.733
SF18 2.934 2.849 1.467 2.458
SF19 2.277 2.214 1.436 2.070
SF20 1.952 1.908 1.389 1.846
SF21 1.730 1.725 1.295 1.662
SF22 1.612 1.641 1.216 1.564
SF23 1.507 1.515 1.144 1.443
SF24 1.394 1.363 1.084 1.375
SF25 1.288 1.249 1.037 1.298
SF26 1.232 1.192 1.006 1.254
SF27 1.188 1.154 0.992 1.232
SF28 1.156 1.123 0.983 1.204
SF29 1.128 1.096 0.981 1.189
SF30 1.114 1.074 0.979 1.169
SF31 1.103 1.062 0.978 1.157
SF32 1.094 1.051 0.971 1.144
SF33 1.090 1.041 0.969 1.133
SF34 1.081 1.034 0.961 1.122
SF35 1.071 1.024 0.958 1.111
SF36 1.062 1.014 0.949 1.100
SF37 1.054 1.009 0.940 1.088
SF38 1.051 1.003 0.930 1.078
SF39 1.049 1.002 0.921 1.068
SF40 1.042 1.000 0.912 1.064
SF41 1.040 0.998 0.908 1.055
SF42 1.038 0.991 0.900 1.046
SF43 1.032 0.989 0.892 1.042
SF44 1.030 0.987 0.889 1.032
SF45 1.028 0.981 0.881 1.023
SF46 1.022 0.979 0.879 1.020
SF47 1.020 0.977 0.871 1.011
SF48 1.017 0.970 0.868 1.007
SF49 1.009 0.966 0.859 0.997
SF50 0.999 0.955 0.848 0.981
SF51 0.990 0.944 0.832 0.971
SF52 0.981 0.934 0.821 0.967
SF53 0.978 0.930 0.810 0.958
SF54 0.970 0.922 0.799 0.956
SF55 0.969 0.921 0.788 0.947
SF56 0.968 0.920 0.772 0.945
SF57 0.969 0.920 0.761 0.937
SF58 0.970 0.921 0.750 0.936
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-32 Effective 02/03/2020 NB & 03/07/20 RN
Class BI PD COMP COLL SF59 0.978 0.925 0.740 0.935
SF60 0.982 0.942 0.731 0.936
SF61 0.994 0.969 0.722 0.938
SF62 1.019 1.005 0.718 0.947
SF63 1.043 1.043 0.709 0.959
SF64 1.074 1.082 0.700 0.978
SF65 1.111 1.121 0.690 0.991
SF66 1.143 1.159 0.681 1.011
SF67 1.167 1.191 0.672 1.024
SF68 1.190 1.221 0.668 1.043
SF69 1.213 1.251 0.659 1.055
SF70 1.238 1.283 0.651 1.067
SF71 1.276 1.320 0.642 1.079
SF72 1.320 1.366 0.638 1.095
SF73 1.386 1.426 0.630 1.135
SF74 1.468 1.497 0.622 1.187
SF75 1.696 1.663 0.619 1.325
SF76 1.743 1.698 0.611 1.354
SF77 1.765 1.714 0.608 1.367
SF78 1.765 1.714 0.600 1.367
SF79 1.765 1.714 0.592 1.367
SF80 1.765 1.714 0.588 1.367
SF81 1.765 1.714 0.580 1.367
SF82 1.765 1.714 0.572 1.367
SF83 1.765 1.714 0.569 1.367
SF84 1.765 1.714 0.561 1.367
SF85 1.765 1.714 0.558 1.367
SF86 1.765 1.714 0.550 1.367
SF87 1.765 1.714 0.542 1.367
SF88 1.765 1.714 0.539 1.367
SF89 1.765 1.714 0.531 1.367
SF90 1.765 1.714 0.529 1.367
SF91 1.765 1.714 0.521 1.367
SF92 1.765 1.714 0.518 1.367
SF93 1.765 1.714 0.510 1.367
SF94 1.765 1.714 0.502 1.367
SF95 1.765 1.714 0.499 1.367
SF96 1.765 1.714 0.491 1.367
SF97 1.765 1.714 0.489 1.367
SF98 1.765 1.714 0.482 1.367
SF99+ 1.765 1.714 0.480 1.367
Class BI PD COMP COLL
MM15 3.556 3.653 2.090 2.796
MM16 3.522 3.615 2.081 2.770
MM17 3.389 3.482 2.058 2.685
MM18 3.082 3.156 1.951 2.483
MM19 2.535 2.692 1.846 2.231
MM20 2.210 2.411 1.729 2.042
MM21 1.873 1.991 1.562 1.838
MM22 1.645 1.766 1.429 1.698
MM23 1.492 1.552 1.309 1.533
MM24 1.354 1.372 1.218 1.466
MM25 1.233 1.243 1.146 1.361
MM26 1.166 1.193 1.089 1.281
MM27 1.113 1.162 1.055 1.233
MM28 1.072 1.138 1.033 1.190
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-33 Effective 02/03/2020 NB & 03/07/20 RN
Class BI PD COMP COLL MM29 1.036 1.114 1.019 1.157
MM30 1.014 1.090 1.001 1.133
MM31 1.001 1.066 0.989 1.112
MM32 0.992 1.042 0.972 1.099
MM33 0.988 1.018 0.961 1.086
MM34 0.979 0.995 0.950 1.075
MM35 0.971 0.974 0.940 1.064
MM36 0.962 0.963 0.930 1.054
MM37 0.959 0.959 0.920 1.044
MM38 0.952 0.952 0.910 1.040
MM39 0.950 0.950 0.901 1.030
MM40 0.948 0.948 0.892 1.020
MM41 0.942 0.942 0.888 1.010
MM42 0.940 0.940 0.880 1.006
MM43 0.938 0.938 0.872 0.997
MM44 0.932 0.932 0.869 0.988
MM45 0.931 0.931 0.861 0.984
MM46 0.929 0.929 0.859 0.976
MM47 0.928 0.928 0.851 0.973
MM48 0.921 0.921 0.849 0.964
MM49 0.918 0.918 0.841 0.962
MM50 0.910 0.910 0.839 0.953
MM51 0.903 0.903 0.832 0.951
MM52 0.901 0.901 0.830 0.942
MM53 0.900 0.900 0.828 0.940
MM54 0.900 0.900 0.821 0.931
MM55 0.900 0.900 0.819 0.928
MM56 0.900 0.900 0.812 0.920
MM57 0.901 0.901 0.810 0.919
MM58 0.902 0.902 0.808 0.918
MM59 0.910 0.910 0.802 0.918
MM60 0.918 0.919 0.800 0.918
MM61 0.947 0.951 0.798 0.918
MM62 0.985 0.992 0.792 0.919
MM63 1.028 1.037 0.790 0.921
MM64 1.071 1.084 0.788 0.931
MM65 1.114 1.131 0.782 0.944
MM66 1.157 1.177 0.780 0.965
MM67 1.193 1.216 0.778 0.989
MM68 1.228 1.254 0.772 1.021
MM69 1.262 1.291 0.770 1.056
MM70 1.296 1.328 0.768 1.099
MM71 1.327 1.366 0.762 1.142
MM72 1.355 1.403 0.761 1.187
MM73 1.402 1.475 0.759 1.238
MM74 1.485 1.578 0.758 1.292
MM75 1.887 1.951 0.752 1.390
MM76 1.967 2.027 0.750 1.410
MM77 2.008 2.063 0.748 1.419
MM78 2.008 2.063 0.742 1.419
MM79 2.008 2.063 0.741 1.419
MM80 2.008 2.063 0.739 1.419
MM81 2.008 2.063 0.738 1.419
MM82 2.008 2.063 0.732 1.419
MM83 2.008 2.063 0.731 1.419
MM84 2.008 2.063 0.729 1.419
MM85 2.008 2.063 0.728 1.419
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-34 Effective 02/03/2020 NB & 03/07/20 RN
Class BI PD COMP COLL MM86 2.008 2.063 0.722 1.419
MM87 2.008 2.063 0.721 1.419
MM88 2.008 2.063 0.719 1.419
MM89 2.008 2.063 0.718 1.419
MM90 2.008 2.063 0.712 1.419
MM91 2.008 2.063 0.711 1.419
MM92 2.008 2.063 0.709 1.419
MM93 2.008 2.063 0.708 1.419
MM94 2.008 2.063 0.702 1.419
MM95 2.008 2.063 0.701 1.419
MM96 2.008 2.063 0.699 1.419
MM97 2.008 2.063 0.698 1.419
MM98 2.008 2.063 0.692 1.419
MM99+ 2.008 2.063 0.690 1.419
Class BI PD COMP COLL MF15 2.921 2.913 1.470 2.622
MF16 2.891 2.879 1.464 2.598
MF17 2.772 2.760 1.451 2.506
MF18 2.498 2.456 1.385 2.295
MF19 2.004 2.021 1.355 1.945
MF20 1.797 1.826 1.309 1.742
MF21 1.538 1.575 1.217 1.628
MF22 1.386 1.470 1.144 1.547
MF23 1.287 1.341 1.074 1.424
MF24 1.195 1.283 1.016 1.293
MF25 1.132 1.224 0.975 1.205
MF26 1.107 1.187 0.946 1.145
MF27 1.086 1.151 0.932 1.121
MF28 1.059 1.119 0.923 1.097
MF29 1.037 1.094 0.921 1.077
MF30 1.017 1.073 0.920 1.063
MF31 1.011 1.059 0.919 1.050
MF32 1.002 1.048 0.918 1.038
MF33 0.999 1.037 0.911 1.027
MF34 0.989 1.033 0.908 1.015
MF35 0.980 1.023 0.899 1.004
MF36 0.971 1.013 0.890 0.993
MF37 0.968 1.004 0.881 0.990
MF38 0.966 1.002 0.872 0.981
MF39 0.959 1.000 0.868 0.977
MF40 0.957 0.999 0.860 0.968
MF41 0.955 0.991 0.852 0.958
MF42 0.948 0.989 0.849 0.955
MF43 0.947 0.987 0.841 0.946
MF44 0.945 0.980 0.839 0.943
MF45 0.944 0.979 0.831 0.934
MF46 0.936 0.977 0.828 0.931
MF47 0.934 0.976 0.820 0.922
MF48 0.931 0.968 0.812 0.919
MF49 0.922 0.964 0.808 0.910
MF50 0.913 0.954 0.799 0.907
MF51 0.903 0.944 0.788 0.899
MF52 0.900 0.934 0.772 0.896
MF53 0.892 0.930 0.761 0.887
MF54 0.891 0.922 0.750 0.884
MF55 0.890 0.921 0.740 0.875
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-35 Effective 02/03/2020 NB & 03/07/20 RN
Class BI PD COMP COLL MF56 0.890 0.920 0.730 0.873
MF57 0.890 0.920 0.720 0.871
MF58 0.891 0.921 0.710 0.864
MF59 0.893 0.923 0.700 0.864
MF60 0.902 0.933 0.690 0.864
MF61 0.915 0.946 0.680 0.872
MF62 0.936 0.968 0.671 0.876
MF63 0.966 0.998 0.662 0.888
MF64 0.998 1.032 0.658 0.907
MF65 1.032 1.067 0.649 0.920
MF66 1.073 1.109 0.641 0.934
MF67 1.109 1.147 0.632 0.954
MF68 1.145 1.184 0.628 0.966
MF69 1.183 1.223 0.620 0.977
MF70 1.227 1.269 0.612 0.982
MF71 1.274 1.317 0.608 0.995
MF72 1.320 1.365 0.600 1.016
MF73 1.380 1.425 0.592 1.052
MF74 1.449 1.493 0.589 1.104
MF75 1.616 1.649 0.581 1.236
MF76 1.651 1.681 0.578 1.263
MF77 1.666 1.696 0.570 1.276
MF78 1.666 1.696 0.562 1.276
MF79 1.666 1.696 0.559 1.276
MF80 1.666 1.696 0.551 1.276
MF81 1.666 1.696 0.549 1.276
MF82 1.666 1.696 0.541 1.276
MF83 1.666 1.696 0.538 1.276
MF84 1.666 1.696 0.530 1.276
MF85 1.666 1.696 0.522 1.276
MF86 1.666 1.696 0.519 1.276
MF87 1.666 1.696 0.511 1.276
MF88 1.666 1.696 0.509 1.276
MF89 1.666 1.696 0.501 1.276
MF90 1.666 1.696 0.498 1.276
MF91 1.666 1.696 0.490 1.276
MF92 1.666 1.696 0.482 1.276
MF93 1.666 1.696 0.479 1.276
MF94 1.666 1.696 0.471 1.276
MF95 1.666 1.696 0.469 1.276
MF96 1.666 1.696 0.461 1.276
MF97 1.666 1.696 0.459 1.276
MF98 1.666 1.696 0.452 1.276
MF99+ 1.666 1.696 0.450 1.276
Credit Score Factors – BI, PD, MED, UMPD, COMP & COLL
Credit Score Factor
0 1.05
1 1.05
2 1.05
3 1.05
4 1.05
5 1.05
6 1.05
Credit Score Factor
7 1.05
8 1.05
9 1.05
10 1.05
11 1.05
12 1.05
13 1.05
Credit Score Factor
14 1.05
15 1.05
16 1.05
17 1.05
18 1.05
19 1.05
20 1.05
Credit Score Factor
21 1.05
22 1.05
23 1.05
24 1.05
25 1.05
26 1.05
27 1.05
Credit Score Factor
28 1.05
29 1.05
30 1.05
31 1.05
32 1.05
33 1.05
34 1.05
Credit Score Factor
35 1.05
36 1.05
37 1.05
38 1.05
39 1.05
40 1.05
41 1.05
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-36 Effective 02/03/2020 NB & 03/07/20 RN
Credit Score Factor
42 1.05
43 1.05
44 1.05
45 1.05
46 1.05
47 1.05
48 1.05
49 1.05
50 1.05
51 1.05
52 1.05
53 1.05
54 1.05
55 1.05
56 1.05
57 1.05
58 1.05
59 1.05
60 1.05
61 1.05
62 1.05
63 1.05
64 1.05
65 1.05
66 1.05
67 1.05
68 1.05
69 1.05
70 1.05
71 1.05
72 1.05
73 1.05
74 1.05
75 1.05
76 1.05
77 1.05
78 1.05
79 1.05
80 1.05
81 1.05
82 1.05
83 1.05
84 1.05
85 1.05
86 1.05
87 1.05
88 1.05
89 1.05
90 1.05
91 1.05
92 1.05
Credit Score Factor
93 1.05
94 1.05
95 1.05
96 1.05
97 1.05
98 1.05
99 1.05
100 1.05
101 1.05
102 1.05
103 1.05
104 1.05
105 1.05
106 1.05
107 1.05
108 1.05
109 1.05
110 1.05
111 1.05
112 1.05
113 1.05
114 1.05
115 1.05
116 1.05
117 1.05
118 1.05
119 1.05
120 1.05
121 1.05
122 1.05
123 1.05
124 1.05
125 1.05
126 1.05
127 1.05
128 1.05
129 1.05
130 1.05
131 1.05
132 1.05
133 1.05
134 1.05
135 1.05
136 1.05
137 1.05
138 1.05
139 1.05
140 1.05
141 1.05
142 1.05
143 1.05
Credit Score Factor
144 1.05
145 1.05
146 1.05
147 1.05
148 1.05
149 1.05
150 1.05
151 1.05
152 1.05
153 1.05
154 1.05
155 1.05
156 1.05
157 1.05
158 1.05
159 1.05
160 1.05
161 1.05
162 1.05
163 1.05
164 1.05
165 1.05
166 1.05
167 1.05
168 1.05
169 1.05
170 1.05
171 1.05
172 1.05
173 1.05
174 1.05
175 1.05
176 1.05
177 1.05
178 1.05
179 1.05
180 1.05
181 1.05
182 1.05
183 1.05
184 1.05
185 1.05
186 1.05
187 1.05
188 1.05
189 1.05
190 1.05
191 1.05
192 1.05
193 1.05
194 1.05
Credit Score Factor
195 1.05
196 1.05
197 1.05
198 1.05
199 1.05
200 1.05
201 1.05
202 1.05
203 1.05
204 1.05
205 1.05
206 1.05
207 1.05
208 1.05
209 1.05
210 1.05
211 1.05
212 1.05
213 1.05
214 1.05
215 1.05
216 1.05
217 1.05
218 1.05
219 1.05
220 1.05
221 1.05
222 1.05
223 1.05
224 1.05
225 1.05
226 1.05
227 1.05
228 1.05
229 1.05
230 1.05
231 1.05
232 1.05
233 1.05
234 1.05
235 1.05
236 1.05
237 1.05
238 1.05
239 1.05
240 1.05
241 1.05
242 1.05
243 1.05
244 1.05
245 1.05
Credit Score Factor
246 1.05
247 1.05
248 1.05
249 1.05
250 1.05
251 1.05
252 1.05
253 1.05
254 1.05
255 1.05
256 1.05
257 1.05
258 1.05
259 1.05
260 1.05
261 1.05
262 1.05
263 1.05
264 1.05
265 1.05
266 1.05
267 1.05
268 1.05
269 1.05
270 1.05
271 1.05
272 1.05
273 1.05
274 1.05
275 1.05
276 1.05
277 1.05
278 1.05
279 1.05
280 1.05
281 1.05
282 1.05
283 1.05
284 1.05
285 1.05
286 1.05
287 1.05
288 1.05
289 1.05
290 1.05
291 1.05
292 1.05
293 1.05
294 1.05
295 1.05
296 1.05
Credit Score Factor
297 1.05
298 1.05
299 1.05
300 1.05
301 1.05
302 1.05
303 1.05
304 1.05
305 1.05
306 1.05
307 1.05
308 1.05
309 1.05
310 1.05
311 1.05
312 1.05
313 1.05
314 1.05
315 1.05
316 1.05
317 1.05
318 1.05
319 1.05
320 1.05
321 1.05
322 1.05
323 1.05
324 1.05
325 1.05
326 1.05
327 1.05
328 1.05
329 1.05
330 1.05
331 1.05
332 1.05
333 1.05
334 1.05
335 1.05
336 1.05
337 1.05
338 1.05
339 1.05
340 1.05
341 1.05
342 1.05
343 1.05
344 1.05
345 1.05
346 1.05
347 1.05
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-37 Effective 02/03/2020 NB & 03/07/20 RN
Credit Score Factor
348 1.05
349 1.05
350 1.05
351 1.05
352 1.05
353 1.05
354 1.05
355 1.05
356 1.05
357 1.05
358 1.05
359 1.05
360 1.05
361 1.05
362 1.05
363 1.05
364 1.05
365 1.05
366 1.05
367 1.05
368 1.05
369 1.05
370 1.05
371 1.05
372 1.05
373 1.05
374 1.05
375 1.05
376 1.05
377 1.05
378 1.05
379 1.05
380 1.05
381 1.05
382 1.05
383 1.05
384 1.05
385 1.05
386 1.05
387 1.05
388 1.05
389 1.05
390 1.05
391 1.05
392 1.05
393 1.05
394 1.05
395 1.05
396 1.05
397 1.05
398 1.05
Credit Score Factor
399 1.05
400 1.05
401 1.05
402 1.05
403 1.05
404 1.05
405 1.05
406 1.05
407 1.05
408 1.05
409 1.05
410 1.05
411 1.05
412 1.05
413 1.05
414 1.05
415 1.05
416 1.05
417 1.05
418 1.05
419 1.05
420 1.05
421 1.05
422 1.05
423 1.05
424 1.05
425 1.05
426 1.05
427 1.05
428 1.05
429 1.05
430 1.05
431 1.05
432 1.05
433 1.05
434 1.05
435 1.05
436 1.05
437 1.05
438 1.05
439 1.05
440 1.05
441 1.05
442 1.05
443 1.05
444 1.05
445 1.05
446 1.05
447 1.05
448 1.05
449 1.05
Credit Score Factor
450 1.05
451 1.05
452 1.05
453 1.05
454 1.05
455 1.05
456 1.05
457 1.05
458 1.05
459 1.05
460 1.05
461 1.05
462 1.05
463 1.05
464 1.05
465 1.05
466 1.05
467 1.05
468 1.05
469 1.05
470 1.05
471 1.05
472 1.05
473 1.05
474 1.05
475 1.05
476 1.05
477 1.05
478 1.05
479 1.05
480 1.05
481 1.05
482 1.05
483 1.05
484 1.05
485 1.05
486 1.05
487 1.05
488 1.05
489 1.05
490 1.05
491 1.05
492 1.05
493 1.05
494 1.05
495 1.05
496 1.05
497 1.05
498 1.05
499 1.05
500 1.05
Credit Score Factor
501 1.05
502 1.05
503 1.05
504 1.05
505 1.05
506 1.05
507 1.05
508 1.05
509 1.05
510 1.05
511 1.05
512 1.05
513 1.05
514 1.05
515 1.05
516 1.05
517 1.05
518 1.05
519 1.05
520 1.05
521 1.05
522 1.05
523 1.05
524 1.05
525 1.05
526 1.05
527 1.05
528 1.05
529 1.05
530 1.05
531 1.05
532 1.05
533 1.05
534 1.05
535 1.05
536 1.05
537 1.05
538 1.05
539 1.05
540 1.05
541 1.05
542 1.05
543 1.05
544 1.05
545 1.05
546 1.04
547 1.04
548 1.04
549 1.04
550 1.04
551 1.04
Credit Score Factor
552 1.04
553 1.04
554 1.04
555 1.04
556 1.04
557 1.04
558 1.04
559 1.04
560 1.03
561 1.03
562 1.03
563 1.03
564 1.03
565 1.02
566 1.02
567 1.02
568 1.02
569 1.02
570 1.01
571 1.01
572 1.01
573 1.01
574 1.01
575 1.01
576 1.00
577 1.00
578 1.00
579 1.00
580 1.00
581 1.00
582 1.00
583 0.99
584 0.99
585 0.99
586 0.99
587 0.99
588 0.99
589 0.99
590 0.99
591 0.99
592 0.98
593 0.98
594 0.98
595 0.98
596 0.98
597 0.98
598 0.97
599 0.97
600 0.97
601 0.97
602 0.97
Credit Score Factor
603 0.97
604 0.97
605 0.97
606 0.96
607 0.96
608 0.96
609 0.96
610 0.96
611 0.96
612 0.96
613 0.96
614 0.95
615 0.95
616 0.95
617 0.95
618 0.95
619 0.95
620 0.95
621 0.94
622 0.94
623 0.94
624 0.94
625 0.94
626 0.94
627 0.93
628 0.93
629 0.93
630 0.93
631 0.93
632 0.93
633 0.93
634 0.93
635 0.92
636 0.92
637 0.92
638 0.92
639 0.92
640 0.92
641 0.92
642 0.92
643 0.91
644 0.91
645 0.91
646 0.91
647 0.91
648 0.91
649 0.91
650 0.90
651 0.90
652 0.90
653 0.90
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-38 Effective 02/03/2020 NB & 03/07/20 RN
Credit Score Factor
654 0.90
655 0.90
656 0.89
657 0.89
658 0.89
659 0.89
660 0.89
661 0.89
662 0.89
663 0.89
664 0.88
665 0.88
666 0.88
667 0.88
668 0.88
669 0.88
670 0.87
671 0.87
672 0.87
673 0.87
674 0.86
675 0.86
676 0.86
677 0.86
678 0.86
679 0.85
680 0.85
681 0.85
682 0.85
683 0.84
684 0.84
685 0.83
686 0.83
687 0.83
688 0.83
689 0.82
690 0.82
691 0.82
692 0.82
693 0.81
694 0.81
695 0.81
696 0.81
697 0.80
698 0.80
699 0.80
700 0.80
701 0.80
702 0.80
703 0.80
704 0.80
Credit Score Factor
705 0.80
706 0.79
707 0.79
708 0.79
709 0.79
710 0.79
711 0.79
712 0.78
713 0.78
714 0.78
715 0.78
716 0.78
717 0.78
718 0.78
719 0.78
720 0.78
721 0.77
722 0.77
723 0.77
724 0.77
725 0.77
726 0.77
727 0.77
728 0.77
729 0.77
730 0.77
731 0.77
732 0.76
733 0.76
734 0.76
735 0.76
736 0.76
737 0.76
738 0.76
739 0.76
740 0.75
741 0.75
742 0.75
743 0.75
744 0.75
745 0.75
746 0.75
747 0.75
748 0.75
749 0.75
750 0.75
751 0.74
752 0.74
753 0.74
754 0.74
755 0.74
Credit Score Factor
756 0.74
757 0.74
758 0.74
759 0.74
760 0.73
761 0.73
762 0.73
763 0.73
764 0.73
765 0.73
766 0.73
767 0.73
768 0.73
769 0.73
770 0.72
771 0.72
772 0.72
773 0.72
774 0.72
775 0.72
776 0.72
777 0.72
778 0.72
779 0.72
780 0.71
781 0.71
782 0.71
783 0.71
784 0.71
785 0.71
786 0.71
787 0.70
788 0.70
789 0.70
790 0.70
791 0.70
792 0.70
793 0.70
794 0.70
795 0.70
796 0.70
797 0.70
798 0.70
799 0.70
800 0.70
801 0.69
802 0.69
803 0.69
804 0.69
805 0.69
806 0.69
Credit Score Factor
807 0.69
808 0.69
809 0.68
810 0.68
811 0.68
812 0.68
813 0.68
814 0.68
815 0.68
816 0.68
817 0.68
818 0.67
819 0.67
820 0.67
821 0.67
822 0.67
823 0.67
824 0.67
825 0.67
826 0.67
827 0.66
828 0.66
829 0.66
830 0.66
831 0.66
832 0.66
833 0.66
834 0.66
835 0.66
836 0.66
837 0.66
838 0.66
839 0.66
840 0.66
841 0.66
842 0.66
843 0.66
844 0.66
845 0.66
846 0.66
847 0.66
848 0.66
849 0.66
850 0.66
851 0.66
852 0.66
853 0.66
854 0.66
855 0.66
856 0.66
857 0.66
Credit Score Factor
858 0.66
859 0.66
860 0.66
861 0.65
862 0.65
863 0.65
864 0.65
865 0.65
866 0.65
867 0.65
868 0.65
869 0.65
870 0.65
871 0.65
872 0.65
873 0.65
874 0.65
875 0.65
876 0.65
877 0.65
878 0.65
879 0.65
880 0.65
881 0.65
882 0.65
883 0.64
884 0.64
885 0.64
886 0.64
887 0.64
888 0.64
889 0.64
890 0.64
891 0.64
892 0.64
893 0.64
894 0.64
895 0.64
896 0.64
897 0.64
898 0.64
899 0.64
900 0.64
901 0.64
902 0.64
903 0.64
904 0.64
905 0.64
906 0.64
907 0.64
908 0.64
Credit Score Factor
909 0.64
910 0.63
911 0.63
912 0.63
913 0.63
914 0.63
915 0.63
916 0.63
917 0.63
918 0.63
919 0.63
920 0.63
921 0.63
922 0.63
923 0.63
924 0.63
925 0.63
926 0.63
927 0.63
928 0.63
929 0.63
930 0.63
931 0.63
932 0.63
933 0.63
934 0.63
935 0.63
936 0.63
937 0.63
938 0.63
939 0.63
940 0.63
941 0.63
942 0.63
943 0.63
944 0.63
945 0.63
946 0.63
947 0.63
948 0.63
949 0.63
950 0.63
951 0.63
952 0.63
953 0.63
954 0.63
955 0.63
956 0.63
957 0.63
958 0.63
959 0.63
Ohio Private Passenger Auto Rates (Annual)
Ohio PPA Rates PPA-R-39 Effective 02/03/2020 NB & 03/07/20 RN
Credit Score Factor
960 0.63
961 0.63
962 0.63
963 0.63
964 0.63
965 0.63
966 0.63
Credit Score Factor
967 0.63
968 0.63
969 0.63
970 0.63
971 0.63
972 0.63
973 0.63
Credit Score Factor
974 0.63
975 0.63
976 0.63
977 0.63
978 0.63
979 0.63
980 0.63
Credit Score Factor
981 0.63
982 0.63
983 0.63
984 0.63
985 0.63
986 0.63
987 0.63
Credit Score Factor
988 0.63
989 0.63
990 0.63
991 0.63
992 0.63
993 0.63
994 0.63
Credit Score Factor
995 0.63
996 0.63
997 0.63
998 1.00
999 1.00
Optional Coverages1
Legal Expense Rate Accidental Death Rate
($1,000 Indemnity) $50 ($5,000 Indemnity) $30
Towing Rate Rental / Transportation Expenses Rate
($50 each occurrence) $18 ($25 per Day / 15 Day Maximum) $50 per vehicle ($75 each occurrence) $28 ($30 per Day / 20 Day Maximum) $70 per vehicle
Basic Tenant Personal Property & Liability Enhancement Endorsement (PPLEE)
Rate
$150
Limited Transportation Network Driver Coverage (No Passenger)
Rate
$80 per TNC driver $10,000 Personal Property; $15,000 Personal Liability)
Emergency Roadside Assistance Rate
6-month policy term plan (C16) $54 12-month policy term plan (C) $108
1 Refer to Coverage Information rules for optional coverage eligibility requirements.
Ohio Financial Responsibility Bond Rates (Annual)
Ohio FR Bond Rates FR-R-1 Effective 11/04/2019 NB & 01/04/2020 RN
Rating Order of Calculation Bodily Injury
BI Prem1 = BI Base Rate * BI Territory Factor * BI Class Factor (rounded to 0 decimals)
BI Prem2 = BI Prem1 * Point Surcharge Factor * Increased Limits Factor * Discount Factor (rounded to 0 decimals)
BI Prem = BI Prem2 * Term Factor (rounded to 0 decimals)
Property Damage
PD Prem1 = PD Base Rate * PD Territory Factor * PD Class Factor (rounded to 0 decimals)
PD Prem2 = PD Prem1 * Point Surcharge Factor * Increased Limits Factor * Discount Factor (rounded to 0 decimals)
PD Prem = PD Prem2 * Term Factor (rounded to 0 decimals)
Base Rates
Policy Term Factors
Coverage Base Rate Term Factor Bodily Injury (BI) $224 6 Months 0.500
Property Damage (PD) $197 12 Months 1.000
For policy terms other than those shown above, calculate a prorated factor of number of days in policy term / number of days in year (366 for leap years).
Increased Limits Factor Fees
Coverage Limits Factor Type Fee Amount
BI/PD $25,000/$50,000/$25,000 1.00 SR-22 $15 per driver
Discount Factor Minimum Earned Bond Premium
Type Credit Amount Credit Factor Bond Type Amount
Paid In Full 8% 0.9200 New $60
Renewal $0
Point Surcharge Factors
Points Factor Points Factor Points Factor Points Factor
0 1.00 15 2.72 30 11.37 45 47.51
1 1.00 16 2.99 31 12.51 46 52.26
2 1.10 17 3.29 32 13.76 47 57.48
3 1.20 18 3.62 33 15.14 48 63.23
4 1.20 19 3.99 34 16.65 49 69.55
5 1.20 20 4.38 35 18.32 50 76.51
6 1.55 21 4.82 36 20.15
Multiply by a factor of 1.10 for each additional point above 50
points.
7 1.55 22 5.31 37 22.16
8 1.55 23 5.84 38 24.38
9 1.95 24 6.42 39 26.82
10 1.95 25 7.06 40 29.50
11 2.25 26 7.77 41 32.45
12 2.25 27 8.54 42 35.69
13 2.25 28 9.40 43 39.26
14 2.48 29 10.34 44 43.19
Ohio Financial Responsibility Bond Rates (Annual)
Ohio FR Bond Rates FR-R-2 Effective 11/04/2019 NB & 01/04/2020 RN
Territory Factors
Territory BI PD Territory BI PD Territory BI PD
2 1.9841 2.0041 22 1.3870 1.3870 42 1.5030 1.5030
3 1.7500 1.7675 25 1.6090 1.6412 43 1.5270 1.5270
4 1.6110 1.5950 26 1.3750 1.3750 44 1.6280 1.5954
5 1.7340 1.7340 27 1.2920 1.2920 46 1.3565 1.3701
6 1.6504 1.6504 28 1.2200 1.2200 47 1.2270 1.2520
7 1.3902 1.4319 31 1.2470 1.2470 48 1.2689 1.2689
8 1.5445 1.5602 32 1.1910 1.1910 49 1.2801 1.2801
9 1.2553 1.2680 35 1.3637 1.3637 51 1.1970 1.1970
11 1.8988 1.8800 36 1.1704 1.1588 52 1.0643 1.0750
15 1.3570 1.3570 37 1.1240 1.1240 53 1.5445 1.5760
17 1.5123 1.5272 38 1.1110 1.1110 60 1.3470 1.3470
20 1.4040 1.4040 39 1.1390 1.1390 61 1.2670 1.2670
Class Factors
Class BI PD Class BI PD Class BI PD
SM15 4.754 4.754 SM44 0.990 1.007 SM73 1.359 1.390
SM16 4.754 4.754 SM45 0.990 0.998 SM74 1.427 1.450
SM17 4.668 4.668 SM46 0.981 0.998 SM75 1.650 1.652
SM18 4.538 4.538 SM47 0.981 0.998 SM76 1.650 1.652
SM19 2.513 2.513 SM48 0.981 0.988 SM77 1.650 1.652
SM20 2.200 2.292 SM49 0.972 0.979 SM78 1.650 1.652
SM21 1.864 1.700 SM50 0.963 0.979 SM79 1.650 1.652
SM22 1.710 1.594 SM51 0.954 0.969 SM80 1.650 1.652
SM23 1.584 1.384 SM52 0.954 0.969 SM81 1.650 1.652
SM24 1.431 1.324 SM53 0.954 0.969 SM82 1.650 1.652
SM25 1.287 1.217 SM54 0.954 0.969 SM83 1.650 1.652
SM26 1.233 1.217 SM55 0.954 0.969 SM84 1.650 1.652
SM27 1.179 1.179 SM56 0.954 0.969 SM85 1.650 1.652
SM28 1.125 1.170 SM57 0.954 0.969 SM86 1.650 1.652
SM29 1.089 1.158 SM58 0.954 0.969 SM87 1.650 1.652
SM30 1.071 1.108 SM59 0.963 0.979 SM88 1.650 1.652
SM31 1.062 1.097 SM60 0.972 1.030 SM89 1.650 1.652
SM32 1.053 1.097 SM61 0.981 1.040 SM90 1.650 1.652
SM33 1.044 1.095 SM62 0.990 1.040 SM91 1.650 1.652
SM34 1.035 1.090 SM63 1.007 1.050 SM92 1.650 1.652
SM35 1.026 1.070 SM64 1.040 1.060 SM93 1.650 1.652
SM36 1.017 1.040 SM65 1.072 1.088 SM94 1.650 1.652
SM37 1.017 1.026 SM66 1.104 1.123 SM95 1.650 1.652
SM38 1.008 1.017 SM67 1.137 1.159 SM96 1.650 1.652
SM39 1.008 1.017 SM68 1.169 1.194 SM97 1.650 1.652
SM40 0.999 1.017 SM69 1.202 1.230 SM98 1.650 1.652
SM41 0.999 1.017 SM70 1.234 1.265 SM99+ 1.650 1.652
SM42 0.999 1.007 SM71 1.266 1.301 SM43 0.990 1.007 SM72 1.299 1.340
Ohio Financial Responsibility Bond Rates (Annual)
Ohio FR Bond Rates FR-R-3 Effective 11/04/2019 NB & 01/04/2020 RN
Class Factors
Class BI PD Class BI PD Class BI PD
SF15 3.589 3.582 SF44 1.030 0.989 SF73 1.302 1.346
SF16 3.589 3.582 SF45 1.030 0.979 SF74 1.346 1.392
SF17 3.523 3.505 SF46 1.020 0.979 SF75 1.562 1.615
SF18 3.425 2.900 SF47 1.020 0.979 SF76 1.562 1.615
SF19 2.151 2.151 SF48 1.020 0.969 SF77 1.562 1.615
SF20 1.896 1.896 SF49 1.009 0.969 SF78 1.562 1.615
SF21 1.448 1.448 SF50 0.999 0.955 SF79 1.562 1.615
SF22 1.343 1.343 SF51 0.989 0.943 SF80 1.562 1.615
SF23 1.251 1.251 SF52 0.979 0.932 SF81 1.562 1.615
SF24 1.187 1.187 SF53 0.979 0.932 SF82 1.562 1.615
SF25 1.139 1.150 SF54 0.968 0.920 SF83 1.562 1.615
SF26 1.127 1.150 SF55 0.968 0.920 SF84 1.562 1.615
SF27 1.115 1.137 SF56 0.968 0.920 SF85 1.562 1.615
SF28 1.104 1.122 SF57 0.968 0.920 SF86 1.562 1.615
SF29 1.093 1.093 SF58 0.968 0.920 SF87 1.562 1.615
SF30 1.112 1.071 SF59 0.979 0.920 SF88 1.562 1.615
SF31 1.102 1.061 SF60 0.979 0.938 SF89 1.562 1.615
SF32 1.092 1.051 SF61 0.989 0.966 SF90 1.562 1.615
SF33 1.092 1.040 SF62 1.009 0.994 SF91 1.562 1.615
SF34 1.082 1.035 SF63 1.020 1.022 SF92 1.562 1.615
SF35 1.071 1.024 SF64 1.040 1.050 SF93 1.562 1.615
SF36 1.061 1.012 SF65 1.071 1.078 SF94 1.562 1.615
SF37 1.051 1.010 SF66 1.092 1.107 SF95 1.562 1.615
SF38 1.051 1.001 SF67 1.112 1.135 SF96 1.562 1.615
SF39 1.051 1.001 SF68 1.133 1.163 SF97 1.562 1.615
SF40 1.040 1.001 SF69 1.154 1.191 SF98 1.562 1.615
SF41 1.040 1.000 SF70 1.174 1.219 SF99+ 1.562 1.615
SF42 1.040 0.989 SF71 1.213 1.254 SF43 1.030 0.989 SF72 1.257 1.300
Class Factors
Class BI PD Class BI PD Class BI PD
MM15 3.483 3.586 MM44 0.930 0.930 MM73 1.299 1.372
MM16 3.483 3.586 MM45 0.930 0.930 MM74 1.299 1.407
MM17 3.420 3.521 MM46 0.930 0.930 MM75 1.604 1.652
MM18 3.325 3.424 MM47 0.930 0.930 MM76 1.604 1.652
MM19 2.120 2.183 MM48 0.920 0.920 MM77 1.604 1.652
MM20 1.878 1.933 MM49 0.920 0.920 MM78 1.604 1.652
MM21 1.581 1.628 MM50 0.910 0.910 MM79 1.604 1.652
MM22 1.501 1.545 MM51 0.900 0.900 MM80 1.604 1.652
MM23 1.278 1.316 MM52 0.900 0.900 MM81 1.604 1.652
MM24 1.224 1.261 MM53 0.900 0.900 MM82 1.604 1.652
MM25 1.088 1.131 MM54 0.900 0.900 MM83 1.604 1.652
MM26 1.068 1.121 MM55 0.900 0.900 MM84 1.604 1.652
MM27 1.046 1.099 MM56 0.900 0.900 MM85 1.604 1.652
MM28 1.036 1.088 MM57 0.900 0.900 MM86 1.604 1.652
MM29 1.030 1.077 MM58 0.900 0.900 MM87 1.604 1.652
Ohio Financial Responsibility Bond Rates (Annual)
Ohio FR Bond Rates FR-R-4 Effective 11/04/2019 NB & 01/04/2020 RN
Class Factors
Class BI PD Class BI PD Class BI PD
MM30 1.010 1.025 MM59 0.910 0.910 MM88 1.604 1.652
MM31 1.000 1.015 MM60 0.910 0.910 MM89 1.604 1.652
MM32 0.990 1.015 MM61 0.942 0.946 MM90 1.604 1.652
MM33 0.990 1.015 MM62 0.975 0.981 MM91 1.604 1.652
MM34 0.980 0.994 MM63 1.007 1.017 MM92 1.604 1.652
MM35 0.970 0.970 MM64 1.040 1.052 MM93 1.604 1.652
MM36 0.960 0.960 MM65 1.072 1.088 MM94 1.604 1.652
MM37 0.960 0.960 MM66 1.104 1.123 MM95 1.604 1.652
MM38 0.950 0.950 MM67 1.137 1.159 MM96 1.604 1.652
MM39 0.950 0.950 MM68 1.169 1.194 MM97 1.604 1.652
MM40 0.950 0.950 MM69 1.202 1.230 MM98 1.604 1.652
MM41 0.940 0.940 MM70 1.234 1.265 MM99+ 1.604 1.652
MM42 0.940 0.940 MM71 1.266 1.301 MM43 0.940 0.940 MM72 1.299 1.336
Class Factors
Class BI PD Class BI PD Class BI PD
MF15 2.620 2.698 MF44 0.946 0.978 MF73 1.302 1.346
MF16 2.620 2.698 MF45 0.946 0.978 MF74 1.346 1.392
MF17 2.572 2.648 MF46 0.934 0.978 MF75 1.562 1.615
MF18 2.501 2.575 MF47 0.934 0.978 MF76 1.562 1.615
MF19 1.525 1.570 MF48 0.934 0.966 MF77 1.562 1.615
MF20 1.409 1.451 MF49 0.923 0.966 MF78 1.562 1.615
MF21 1.244 1.281 MF50 0.912 0.955 MF79 1.562 1.615
MF22 1.181 1.216 MF51 0.901 0.943 MF80 1.562 1.615
MF23 1.113 1.146 MF52 0.901 0.932 MF81 1.562 1.615
MF24 1.083 1.115 MF53 0.890 0.932 MF82 1.562 1.615
MF25 1.023 1.064 MF54 0.890 0.920 MF83 1.562 1.615
MF26 1.014 1.065 MF55 0.890 0.920 MF84 1.562 1.615
MF27 1.003 1.053 MF56 0.890 0.920 MF85 1.562 1.615
MF28 0.993 1.043 MF57 0.890 0.920 MF86 1.562 1.615
MF29 0.989 1.039 MF58 0.890 0.920 MF87 1.562 1.615
MF30 0.987 1.036 MF59 0.890 0.920 MF88 1.562 1.615
MF31 0.987 1.026 MF60 0.901 0.932 MF89 1.562 1.615
MF32 0.987 1.026 MF61 0.912 0.943 MF90 1.562 1.615
MF33 0.987 1.026 MF62 0.923 0.955 MF91 1.562 1.615
MF34 0.987 1.026 MF63 0.946 0.978 MF92 1.562 1.615
MF35 0.979 1.016 MF64 0.968 1.001 MF93 1.562 1.615
MF36 0.968 1.012 MF65 0.990 1.024 MF94 1.562 1.615
MF37 0.968 1.001 MF66 1.023 1.058 MF95 1.562 1.615
MF38 0.968 1.001 MF67 1.057 1.093 MF96 1.562 1.615
MF39 0.957 1.001 MF68 1.090 1.127 MF97 1.562 1.615
MF40 0.957 1.001 MF69 1.124 1.162 MF98 1.562 1.615
MF41 0.957 0.989 MF70 1.168 1.208 MF99+ 1.562 1.615
MF42 0.946 0.989 MF71 1.213 1.254 MF43 0.946 0.989 MF72 1.257 1.300