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Company Rate Filings for Auto
MAIA's Review of Company Rate Filings for Auto

 

Company Rate Filing Information

LM General Insurance Company

As of August 2017

The following are the filings made by LM General Insurance

Filing No./Overall Rate Indication. Materials Included Effective Date
LBPM130976604

Rule:

  • Motorcycle Rating Manual
  • Rule MC-C21 Reserved for Future Use
  • Rule MC-G11 Coverage & Limits
06/01/17 New
07/01/17 Renew
LBPM130729284

Form:

  • Coverage Selections Page – AUTO 4986 04 17

Markup of Changes

04/17/17 New
05/22/17 Renew 

LBPM130818009

+5.4%

Rate:

I. Rating Changes
A Base Rate Changes

  • Bodily Injury rates revised
  • Property Damage rates revised
  • Medical Payments rates revised
  • PIP rates revised
  • Comprehensive rates revised
  • Collision rates revised
  • Bodily Injury by Uninsured Auto rates revised
  • Bodily Injury by Underinsured Auto rates revised
  • Fixed Expense rates revised
04/01/17 New/Renew
LBPM130706712

Form/Rate/Rule
Motorcycle - New
Forms:

  • Coverage for Customizing Equipment – AS 3793 02 17
  • Excess Electronic Equipment Coverage – AS 3797 02 17
  • Better Bike Replacement ™ Coverage – AS 3875 02 17
  • New Bike Replacement Coverage – AS 3876 02 17

Rules:
Manual of Rules
MC-G – General Rules

  • MC-G1. Application of Manual
  • MC-G2. Eligibility
  • MC-G3. Policy Term
  • MC-G4. Rates and Rating Information
  • MC-G5. Changes
  • MC-G6. Cancellation
  • MC-G7. Suspension
  • MC-G8. Instructions for Use of Pro-Rata and Short Rate Tables
  • MC-G9. Whole Dollar Premium
  • MC-G10. Premium Payment Plan
  • MC-G11. Coverages and Limits
  • MC-G12. Mandatory Offer of Coverage
  • MC-G13. Motor Vehicle Registration Certificates
  • MC-G14. Pre-Insurance Inspection Program
  • MC-G15. Reserved for Future Use
  • MC-G16. Reserved for Future Use
  • MC-G17. Late Payment Plan

MC-C – Classification

-       MC-C1.  Operator Factor

  • MC-C2. Operator Discount Factor
  • MC-C2A. Reserved for Future use
  • MC-C2B. Reserved for Future use
  • MC-C2C. Reserved for Future use
  • MC-C2D. Senior Discount
  • MC-C2E. Reserved for Future use
  • MC-C2F. Driver Training Discount
  • MC-C2G. Reserved for Future use
  • MC-C2H. Reserved for Future use
  • MC-C2I. Military Discount
  • MC-C2J. Reserved for Future use
  • MC-C3. Certified Risks (Financial Responsibility Laws)
  • MC-C4. Household Average Factors

MC-F – Other Factors

 

  • MC-F1. Household Composition Factor
  • MC-F2. Vehicle Factor
  • MC-F2A. VIN Factor
  • MC-F2B. Usage Factor
  • MC-F2C. Vehicle Ownership
  • MC-F2D. Annual Mileage
  • MC-F2E. Purchased New or Used
  • MC-F2F. Coverage Combination
  • MC-F2G. Performance Modification
  • MC-F3. Incident Factor
  • MC-F3A. Chargeable Accidents
  • MC-F3B. Violation Definitions
  • MC-F3C. Accident Forgiveness
  • MC-F4. Tier Factor
  • MC-F5. Territory Factor
  • MC-F6. Vehicle Discount Factor
  • MC-F6A. New to Liberty Vehicle Discount
  • MC-F6B. Vehicle Safety Discount
  • MC-F6C. Reserved for Future Use
  • MC-F6D. Reserved for Future Use
  • MC-F7. Policy Discount Factor
  • MC-F7A. Paid-in-Full Discount
  • MC-F7B. Reserved for Future Use
  • MC-F7C. Reserved for Future Use
  • MC-F7D. Early Shopper discount
  • MC-F7E. Reserved for Future Use
  • MC-F7F. Group Savings Plus Discount
  • MC-F7G. Reserved for Future Use
  • MC-F7H. Reserved for Future Use
  • MC-F7I. Reserved for Future Use
  • MC-F7J. Multi-Policy Discount
  • MC-F7K. Reserved for Future Use
  • MC-F7L. Enrollment Credit
  • MC-F8. Limits & Deductible Factors.
  • MC-F9. Certified Risks (Financial Responsibility Laws)
  • MC-F10. Reserved for Future Use
  • MC-F11. Fixed Expense
  • MC-F12. Reserved for Future Use

 

MC-OC – Additional (Optional Coverage)

  • MC-OC1. Reserved for Future Use
  • MC-OC2. Excess Electronic and Customized Equipment Coverage
  • MC-OC3. Towing and Labor Coverage
  • MC-OC4. Reserved for Future Use
  • MC-OC5. Reserved for Future Use
  • MC-OC6. Reserved for Future Use
  • MC-OC7. Reserved for Future Use
  • MC-OC8. New Bike Replacement
  • MC-OC9. Better Bike Replacement
  • MC-OC10. Reserved for Future Use

MC-PD – Premium Determination Pages

03/01/17 New
LBPM130667954

Rule:

  • G10. Premium Payment Plan
  • G17. Late Payment Fee
  • Installment Payment Plan

Markup of Changes

01/21/17 New
02/25/17 Renew 
LBPM130972188
LBPM131013557
LBPM131079772
LBPM131133440
Groups 01/17
05/17
06/17
08/17
LBPM130414354

Form/Rule
Form:

  • Additional Policy Protection – PMKT 1249 (6/16)
  • Endorsement Alpha Index

Rule:

  • Table of Contents
  • G-16.  Additional Policy Protection

Markup of Changes

06/20/16 New
07/25/16 Renew
LBPM130484343

Form:

  • Signature Page
06/01/16 New/Renew

LBPM130470974
LBPM130498373
LBPM130443395
LBPM130547633
LBPM130581578
LBPM130621011
LBPM130669052
LBPM130700321
LBPM130745880
LBPM130779912
LBPM130817879

Groups

03/16
03/16 
05/16
05/16
06/16
06/16 
08/16
08/16 
10/16
11/16
12/16

LBPM130340746

+5%

Rate:

  • Section A – Index Page
  • Base Rates

Markup of Changes

02/25/16 New
04/01/16 Renew 

LBPM129993058

Form/Rate/Rule
Form:

  • Liberty Mutual Deductible Fund – AS 3837 05 15
  • Coverage Selections Page – AUTO 3439 05 15

Rule:

  • OC11. Liberty Mutual Deductible Fund

Rate:

  • Liberty Mutual Deductible Fund

Markup of Changes

05/18/15 New/Renew

LBPM129825085

+4.9%

Rate:
Rating Changes

  • Base Rate Changes
  • Bodily Injury rates revised
  • Property Damage rates revised
  • Medical Payments rates revised
  • PIP rates revised
  • Comprehensive rates revised
  • Collision rates revised
  • Bodily Injury by Uninsured Auto rates revised
  • Bodily Injury by Underinsured Auto rates revised
  • Fixed Expense rates revised
  • Enrollment Credit Factor Changes
02/25/15 New
04/01/15 Renew
LBPM129868588

Forms:

  • Supplemental Application – Auto 4247 01 15

Markup of Changes

01/29/15 New/Renew
LBPM129733572

Rate/Rule:
Rule:

  • F6D-RightTrack Discount (tracks driving…speed up; braking; etc)

Rate:

  • Vehicle Discount Factors

Mark up of Changes

01/19/15 New/Renew

LBPM129855556
LBPM129939684
LBPM129901707
LBPM129994947
LBPM130036629
LBPM130091288
LBPM130134098
LBPM130170200
LBPM130251428
LBPM130298452
LBPM130338395
LBPM130378680

Groups

01/15
02/15
04/15
04/15
04/15
06/15
06/15
07/15 
10/15
11/15 
11/15
12/15 

LBPM129606079

Forms:

  • Medical Payment Coverage Emendatory Endorsement – AS 3820 09 14

0922/14 New
10/27/14 Renew 

LBPM129404285
LBPM129403923
LBPM129505463
LBPM129559312
LBPM129472614
LBPM129602213
LBPM129641247
LBPM126167314
LBPM129730764
LBPM129691841 
LBPM129770073
LBPM129820180

Groups

02/26/14
03/18/14 
04/14
05/14 
04/14
06/14
07/14 
09/14
09/14
08/14 
10/14
12/14 

LBPM129312229

Rate/Rule
Rule:

  • F9. Basic Package Capping Factor

Rate:

  • Base Rates

Mark up of Changes

04/01/14 New
06/17/14 Renew 
LBPM129111086

Rules: G. 15 Deferred Operator - NEW
General Rules - Years Licensed - Updated 

09/23/13 New/Renew

LBPM129168082
LBPM129122541
LBPM129100619
LBPM129073051
LBPM129000268
LBPM128956806
LBPM129220808
LBPM129255558
LBPM129321471

Groups 09/13
07/13
07/13
06/13
06/13 
03/13 
11/13
11/13
12/13 
LBPM128607849

Complete Manual of Rules (NOT AIB):

SECTION G – General Rules:

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

SECTION C - Classifications:

  • C1. Operator Factor
  • C2. Operator Discount Factor

SECTION F – Other Factors 

  • F1. Household Composition Factor 
  • F2. Vehicle Factor
  • F3. Incident Factor
  • F4. Tier Factor 
  • F5. Territory Factor 
  • F6. Vehicle Discount Factor
  • F7. Policy Discount Factor
  • F8. Limits & Deductible Factors 
  • F9. Basic Package Capping Factor 
  • F10. Reserved for future use
  • F11. Fixed Expense
  • F12. Reserved for Future Use 

SECTION TC – Trailer and Camper Coverage and Rating 

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

SECTION OC – Additional (Optional) Coverage Rules OC

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

SECTION OP – Other Policy Types

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

SECTION PD – Premium Determination Pages

Forms & Endorsements:

  • Policy
  • Manual of Rules
  • Optional Bodily Injury to Others Exclusion  - AUTO 5007 12 12
  • Better Car Replacement Coverage—AS 3799 12 12
  • Liberty Enhanced Coverage Endorsement—AS 3800 12 12
  • Certificate of Automobile Insurance—Auto 5008 12 12
  • Coverage for Anyone Renting an Auto to You Additional Insured—Less or AS 2327 12 12—(M-0070-S. ed. 04-08)
  • Coverage for Customizing Equipment—AS 3793 12 12
  • Excess Electronic Equipment Coverage—AS 3797 12 12
  • MA Auto Policy—AUTO 4987 12 12
  • Application for MA Motor Vehicle Insurance—AUTO 4985 12 12

Discounts:

Rule #/Discount Name

  • C2A. Public Transit 
  • C2B. Student-away-at-School
  • C2C. Good Student Discount 
  • C2D. Senior Discount 
  • C2E. Defensive Driving Course Discount
  • C2F. Driver Training 
  • C2G. New Driver Responsibility Contract 
  • C2H. Advanced Driver Training Discount 
  • C2I. Military Discount 
  • C2J. Driving Years Discount 
  • F7A. Paid-in-Full Discount
  • F7B. Electronic Funds Transfer (EFT)/Recurring Credit Card Discount 
  • F7C. Payroll Deduction Discount 
  • F7D. Early Shopper Discount 
  • F7E. Longevity Factor 
  • F7F. Group Savings Plus Discount 
  • F7G. Newly Licensed Discount 
  • F7H. Newly Independent Discount
  • F7I. New Move Discount 
  • F7J. Multi-Policy Discount
  • F7K. Paperless Discount 
  • F7L. Enrollment Credit 
06/17/13 New
LBPM128962771

Rule Updates:

  • G1. Application of Manua
  • lPolicy Discount Factors
  • Territory Factors
  • Territory Mapping

06/17/13 New

LBPM128969286

Groups

06/17/13 New

 

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