Commerce Filings

As of Arpil 2019

The following are the filings made by Commerce.

Filing Identification  No. Materials Included Effective Date
 CMRC131833226

Form:

  • Reinstatement Notice – CIC-2101 (REV 6/17)
03/15/19 New/Renew 

CMRC131753565

+4%

Form/Rate/Rule

Form:

  • Notice to Policyholders – Reduction in Coverage – Transportation of Fellow Employees, Students or Others (M-0004-S) – PA821MA (05/19)
  • Privacy Notice – CIC-2-21 (10/17)
  • Supplemental Application – CIC-2115 (05/19)
  • Supplemental Application – MAIP – CIC-2115 MAIP (05/19)
  • Coverage Selections Page – (05/19)
  • DriveAdvisor Program Endorsement – CIC-2229 (05/15)
  • Transportation of Fellow Employees, Students or Others – ED. 04-08 Removed
  • Original Equipment Manufacturer Parts Coverage – MPY-0040-S – Ed 04-08 Removed

Rate:

  • Rate Manual – Ed. 05/01/19

Rule:

  • Complete Manual of Rules – Ed. 05/01/19
  • Rule 11. Premium Calculation Rule
  • Rule 18. Termination of Insurance
  • Rule 19. Discounts
    • J. Green (Pay Plan) Discount
    • N. DriveAdvisor Discount – Removed from Rule 19.
  • Rule 21A. Model Year Rating
  • Rule 21B. Vehicle Rating Group (VRG) Program
  • Rule 22. VSR Non-Symbolled Vehicles and Rating
  • Rule 28. Private Passenger Classification
    • Removed B.1.d. Clergy language
  • Rule 31. Transportation of Fellow Employee – Removed...Reserved for Future Use.
  • Rule 48. Original Equipment Manufacturer Parts – Removed...Reserved for Future Use.
  • Alphabetical Index
  • Private Passenger Forms

Markup of Changes

05/01/19 New/Renew 

CMRC131771773

CMRC131806743

CMRC131828155

CMRC131859129

CMRC131873230 

Groups

02/19

04/19

04/19

04/19

04/19

CMRC131661988

Rule:

  • Rule 56. Merit Rating

Markup of Changes

12/01/18 New/Renew 
CMRC131616284

Form:

  • Coverage Selections Page (removed Anti-Theft Discount for Voluntary Business)

Markup of Changes

12/01/18 New/Renew 
CMRC131575831

Form/Rate/Rule

Form:

  • AAA Member Package Endorsement  - CIC-2114 (12/18)
  • Supplemental Application for Massachusetts Motor Vehicle Insurance – CIC-2115 (12/18)
  • Supplemental Application for Massachusetts Motor Vehicle Insurance with MAIP – CIC-2115 MAIP (12/18)
  • Disappearing Deductible Credits – CIC-21297 (12/18)

Rule:

Rate Manual Edition Date: December 1, 2018:

Rate Page Index

Page Description

  • 3 Rating Algorithm
  • 4 Territory Definitions
  • 8 Base Rate by Premium Town and Class
  • 71 Liability Symbol Factor
  • 73 Physical Damage Model Year/Symbol Factor
  • 76 Stated Amount Divisor
  • 77 Base Rate by Limit
  • 78 Increased Limits Factor
  • 79 Deductible Factors
  • 80 Extra Risk Factor
  • 81 Years Licensed Factor
  • 82 Risk Factor
  • 83 Underwriting Tier Factor
  • 84 Driver to Vehicle Factor
  • 86 Household Level Factor
  • 87 Loyalty Plus Factor
  • 144 Annual Mileage Discount & Factors
  • 146 Multi-Car Discount
  • 147 Account Discount
  • 148 Shop Smart Credit
  • 149 Welcome Back Credit
  • 150 Marketing Partner Discount
  • 151 Good Student Discount
  • 152 Student Away From Home Discount
  • 153 Smart Driver Discount
  • 154 DriveAdvisor Discount
  • 155 Clean in Three Discount
  • 156 Class 15
  • 157 Merit Rating Adjustment
  • 159 Auto Loan/Lease Coverage
  • 160 Accident Forgiveness
  • 161 Limited TNC Driver Endorsement
  • 162 Paid in Full and Green (Pay Plan) Discounts
  • 163 Commerce Elite Package Endorsement
  • 163 Commerce Enhancer Package Endorsement
  • 164 Fire Theft and Combined Additional Coverage
  • 164 Excess Electronic Equipment
  • 164 Original Equipment Manufacturer Parts
  • 165 Motor Homes
  • 166 Antique Motor Cars
  • 167 Trailers
  • 168 Pick-Ups

Motorcycle Rate Page Index

Page Description

  • M-2 Rating Algorithm
  • Refer to PPA Territory Definitions Territory Definitions
  • M-3 Base Rates by Territory and Class
  • M-11 Base Rates by Limit
  • M-13 Vehicle Age Factor
  • M-14 Cost New Determination
  • M-15 Increased Limit Factor
  • M-16 Deductible Factor
  • M-17 Motorcycle Training Program
  • M-18 Fire and Theft Factors
  • M-19 Extra Risk Factor
  • M-20 Class 15
  • M-21 Underwriting Tier Factor
  • M-22 Household Factors
  • M-23 Loyalty Plus
  • M-46 Multi-Car Discount
  • M-47 Account Discount
  • M-48 Marketing Partner Discount
  • M-59 Clean in Three Discount
  • M-50 Merit Rating Factor
  • M-52 Accident Forgiveness
  • M-53 Paid in Full and Pay Plan Discount
  • M-54 Accessory Coverage
  • M-55 Antique Motorcycle Factor

Rules:

Rule Manual Edition Date: December 1, 2018

  • Rule 11. Premium Calculation Rule
  • Rule 19. Discounts and Credits
  • Rule 21A. Model Year Rating
  • Rule 21B. Vehicle Rating Group (VRG) Program
  • Rule 22. VSR Non-Symbolled Vehicles and Rating Vehicles for Which Symbols Are Not Shown on the Rate Pages
  • Rule 27. Private Passenger Definition
  • Rule 38. Disappearing Deductible Credit
  • Rule 41. Stated Amount Coverage

Markup of Changes

12/01/18 New/Renew
 CMRC131412267 Form/Rule

Rule:

  • Endorsement Alpha Index
    • Massachusetts Mandatory Endorsement – M-0099-s (Ed. 12/16)

Form:

  • Mandatory Endorsement – M-0099-S (ED. 12-16)
07/01/18 New/Renew 

CMRC131312188

Rule:

  • Installment Plans

Markup of Changes

05/01/18 New/Renew 

CMRC131304121

+5%

Form/Rate/Rule

Separated Rule/Rate Manuals

Form:

  • Coverage Selections Page

Rule:

  • Complete Rule Manual

Rate:

  • Complete Rate Manual

Rules -Markup of Changes

  • Rule 15 Employers Subject to Massachusetts Workers Compensation Act – Removed and Now Reserved for Future Use
  • Rule 26. Additional Company Rating Rules
    • Years Licensed Factors
    • Underwriting Tier Factor
  • Rule 54. Anti-Theft Device Standards and Discounts – Removed
  • Private Passenger Auto Rating Territory Code Sections – Removed to Rate Manual
  • Rate Section – Removed to Rate Manual
  • Rule 19. Discounts AND Credits
  • Rule 23. High-Theft Vehicles – This rule now includes the information on Anti-Theft Categories
  • Rule 26. Company Rating Rules
    • Years Licensed Factor
    • Risk Factor – Moved to Rate Manual
  • Rule 54. Anti-Theft Device Standards and Discounts – Removed and included in Rule 23.
  • Rule 56. Merit Rating – Moved table to Rate manual
  • Rating Territory Code Section – Moved to Rate Manual
  • Motorcycle Rates – Moved to Rate Manual
  • Miscellaneous Rating Factors – Moved to Rate Manual

Rate:

    • Rate Manual
  • Rate Page Index Page Description
    • 3 Rating Algorithm
    • 4 Territory Definitions
    • 8 Base Rate by Premium Town and Class
    • 71 Liability Symbol Factor
    • 73 Physical Damage Model Year/Symbol Factor
    • 76 Stated Amount Divisor
    • 77 Base Rate by Limit
    • 78 Increased Limits Factor
    • 79 Deductible Factors
    • 80 Extra Risk Factor
    • 81 Years Licensed Factor
    • 82 Risk Factor
    • 301 Underwriting Tier Factor
    • 958 Driver to Vehicle Factor
    • 960 Household Level Factor
    • 1044 Loyalty Plus Factor
    • 1102 Annual Mileage Discount & Factors
    • 1104 Multi-Car Discount
    • 1105 Account Discount
    • 1107 Shop Smart Credit
    • 1108 Welcome Back Credit
    • 1109 Marketing Partner Discount
    • 1110 Good Student Discount
    • 1111 Student Away From Home Discount
    • 1112 Smart Driver Discount
    • 1113 DriveAdvisor Discount
    • 1114 Clean in Three Discount
    • 1115 Class 15
    • 1116 Merit Rating Adjustment
    • 1118 Auto Loan/Lease Coverage
    • 1119 Accident Forgiveness
    • 1120 Limited TNC Driver Endorsement
    • 1121 Paid in Full and Green (Pay Plan) Discounts
    • 1122 Commerce Elite Package Endorsement
    • 1122 Commerce Enhancer Package Endorsement
    • 1123 Fire Theft and Combined Additional Coverage
    • 1123 Excess Electronic Equipment
    • 1123 Original Equipment Manufacturer Parts
    • 1124 Motor Homes
    • 1125 Anitique Motor Cars
    • 1126 Trailers
    • 1127 Pick-Ups
05/01/18 New/Renew

CMRC131219531

Form:

  • Supplemental Application – CIC-2115 (01/18)

Rule:

  • Discount
    • DriveAdvisor Discount

Markup of Changes 

01/01/18 New/Renew 

CMRC131315204

CMRC131367503

CMRC131379244

CMRC131415702

CMRC131464622

CMRC131492150

CMRC131640287

CMRC131688050

CMRC131737727

Group

01/18

04/18

04/18

04/18

05/18

06/18

10/18

11/18

12/18

CMRC131117728

+1.50%

Rate/Rule

Rate:

  • MA Private Passenger Automobile Insurance Manual – Edition 12/1/17
    • Household Level Factors
  • Base Rate Pages
  • Miscellaneous Rating Factors

Markup of Changes

Rule:

  • Rule 11. Premium Calculation
12/01/17 New & Renew 

CMRC131010099

Form/Rule

  • Massachusetts Auto Insurance Policy – 2016 AIB Edition – PA300MA (12/17)
  • Limited Transportation Network Company Driver Coverage Massachusetts – PA400MA (12/17)
    • Notice to Policyholders – PA820MA (12/17)
    • Notice to Policyholders – PA882MA (12/17)
    • Commerce Elite Package Endorsement – CIC-2126 (12/17)
  • Notice of Non-Renewal – CIC2145 (09/17)
  • Notice of Cancellation – CIC-9001 REV. 09/17
  • Massachusetts Private Passenger Automobile Insurance Manual –
    • Private Passenger Endorsement – Alphabetical Index
    • Private Passenger Forms

Markup of Changes

12/01/17 New & Renew 

CMRC130956150

Rule:

  • Summary of Digital Channel Installment Plan for Massachusetts Private Passenger Auto polices 8/1/17
08/01/17 New/Renew

CMRC130833229

+3.8%

Form/Rate/Rule
Form:

  • Limited Transportation Network Company Driver Coverage – Massachusetts – PA400MA 05/17
  • Coverage Selections Page – (05/17)
  • Annual Mileage Form – CIC 750 (05/17)
  • Vehicle Sharing and Public or Livery Conveyance Exclusion – CI(C-2212 (05/17)
  • Manual of Rules

Markup of Changes

Rule:

  • Rule 11 Premium Calculation to account for TNC Driver Coverage and Annual Mileage.
  • Rule 12 – Premium Rounding Rule.
  • Rule 19 – An editorial change has been made to add DriveAdvisor to the Discount Rule and remove from Rule 37, Company Endorsements. Also, an editorial change was made to the Annual Mileage Discount.
  • Rule 26 Company Rating Rules have been updated to include the following:

•B. Risk Factors have been updated.

•C. Driver-Vehicle Factors have been updated.

•E. Household Level factors have been updated.

•G. Annual Mileage Factors (newly added)

  • Rule 28 – Private Passenger Classifications has been updated to identify which classes we update midterm, when eligible.
  • Rule 37 – Company Endorsements have been updated to introduce Limited Transportation Network Company Driver Coverage.
  • Rule 37 – An editorial change was made to the Accident Forgiveness Endorsement description.
  • Rule 40 – An editorial change was addressed due to a typo.
  • Rule 44 – Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles have been updated to include language for Electric Motorcycles. The accompanying rate pages have also been updated.

Rate:

  • Base rates have been updated, including: Compulsory BI, Personal Injury, Property Damage, Optional BI, Medical Payments, Collision, Limited Collision, Comprehensive and Substitute Transportation.
  • Certain Increased Limit factors for Optional Bodily Injury and Uninsured Motorists have been adjusted.
  • 2019 and 2020 Model Year Symbol factors have been added to both the VSR and VRG symbol programs.
  • The Miscellaneous Rating Factor section has been updated to display revised Annual Mileage discounts/factors and Substitute Transportation rates.
05/01/17  New/Renew

CMRC130851085
CMRC130865675
CMRC130882310
CMRC130943820

CMRC131039787

CMRC131069634

CMRC131092343

CMRC131137862

CMRC131253674

CMRC131299570

CMRC131275931

Groups

01/17
02/17
04/17
04/17
06/17

07/17

07/17

09/17

11/17

12/17

12/17

CMRC130646922

+1.6%

Form/Rate/Rule
Form:

  • Supplemental Application for MA MV Ins. w/MAIP – CIC-2115 MAIP (12/16)
  • Supplemental Application for MA MV Ins. – CIC-2115 (12/16)
  • Manual of Rules

Rate:

  • Base Rate Pages
  • Misc. Rating Factors

Rule:

  • Rule 19. Discounts and Credits:
    B. Account Discount – Added Yacht
  • 21 A. Model Year Rating
  • 21B Vehicle Rating Group (VRG) Program

Markup of Changes

12/01/16 New/Renew

CMRC130370597

+3%

Form/Rate/Rule
Form:

  • Disappearing Deductible Credits – CIC-2197 (05/16)
  • Vehicle Sharing and Public or Livery Conveyance Exclusion – CIC-2212 (05/16)
  • Advisory Notice To Policyholder Vehicle Sharing and Public or Livery Conveyance – PA800MA (05/16)

Rule:

  • Rule 11. Premium Calculation Rule
  • Rule 12. Premium Rounding Rule
  • Rule 41. Stated Amount Coverage
  • Rule 56. Merit Rating Plan

Rate:

  • Base Rate Pages
  • Motorcycle Rating Rule & Territory Definitions
  • Miscellaneous Rating Factors

Markup of Changes

05/01/16 New/Renew
CMRC130408102
CMRC130421705
CMRC130492583
CMRC130537786
CMRC130576640
CMRC130644880 
CMRC130749873
CMRC130776651
CMRC130792353
Groups 03/16
04/16 
05/16
05/16
06/16 
09/16 
11/16
11/16
12/16
CMRC130276977

Rule:

  • Broker Installment Plan for MA Auto – CMRC-130276977
01/01/16 New/Renew
CMRC130116481

Form/Rate/Rule

Forms w/markup of changes:

  • DriveAdvisor Program Endorsement – CIC-2229
    (12-15)
  • Supplemental Application for M<A MV Insurance – CIC -2115 (12/15)
  • Coverage Selections Page – 12/15

Rules:

  • Massachusetts Private Passenger Automobile Insurance Manual

Markup of Changes

  • Rule 11. Premium Calculation rule
  • Rule 19. Discounts:
    • B. Account Discount
    • E. Annual Mileage Discount
    • F. Shop Smart Credit
    • M. Welcome Back Credit
  • Rule 26. Additional Company Rating Rules:
    • A. Years Licensed
    • B. Risk Factors
    • C. Driver-Vehicle Factors
    • D. Loyalty Plus Factor
    • E. HH Level Factor
    • F. Hardship Accommodation
  • Rule 37. Company Endorsements
    • DriveAdvisor Program Endorsement – CIC 2229

Rates:

  • Base Rate Pages
  • Motorcycle Rate Pages
  • Miscellaneous Rating Factors
  • Annual Mileage Definitions and rate pages
12/01/15 New/Renew
CMRC129846214

Form/Rate/Rule
Form:

  • Supplemental Application for MA MV Insurance – CIC-2115 (05/15)
  • Disappearing Deductible Credits – CIC-2197 (05/15)
  • Private Passenger Manual of Rules

Rules:

  • Rule 19. Discounts
    • Account Discount
    • Shop Smart Credit
    • Green Discount
  • Rule 26. Company Rating Rules
  • Rule 38. Disappearing Deductible Credit
  • Rule 56. Merit Rating Plan

Rates:

  • Base Rate Pages
  • Miscellaneous Rating Factors

Markup of Changes

05/01/15 New/Renew
CMRC130322778
CMRC130332873
CMRC130184655

CMRC130140448
CMRC130151329
CMRC130107755

CMRC130074427
CMRC130054324
CMRC130042523
CMRC129847886
Groups 12/15
12/15
09/15
08/15
08/15
07/15
06/15
06/15
05/15
04/15
CMRC129636061

Form/Rate/Rule:
Form:

  • Supplemental Application for Massachusetts Motor Vehicle Insurance – CIC-2115 (12/14)
  • Coverage Selections Page

Rule:

  • Rule 11. Premium Calculation 
  • Rule 12. Premium Rounding
  • Rule 19. Discounts
    • F. Shop Smart Credit
    • M. Welcome Back Credit
    •  
  • Rule 26. Additional Company Rating Rules
    • D. Loyalty Plus Factor
    • F. Hardship Accommodation
  • Rule 38. Disappearing Deductible Credit
  • Miscellaneous Rating Factors
12/01/14 New/Renew

CMRC129585725

+1%

Form/Rate/Rule
Complete Manual with Markups
Forms:

  • Supplemental Application for MAIP (with markups) – CIC-2115 MAIP (11/14)
  • Supplemental Application (with Markups) – CIC-2115 (11/14)

Rules:
Complete Manual of Rules with Markups

  • Rule 11. Premium Calculation Rule
  • Rule 18. Termination of Insurance
  • Rule 19. Discounts
    • Multi-Car:
      • Private Passenger
      • Motorcycle (NEW)
      • Account Discount
      • Annual Mileage Discount
      • Green Discount
  • Rule 26. Company Rating Rules
    • A. Years Licensed
    • B. Risk Factor Table
    • D. Loyalty Plus Factor
    • E. Household Level Factor
  • Rule 44. Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles
  • Rule 56. Merit Rating Plan

Rates:
Base Rate Pages

  • Rate Pages – MA PPA
  • Base Rate Pages – Liability Symbol Pages
  • Base Rate Pages – Physical Damage Symbol Pages
  • Motorcycle Rating Rules & Territory Definitions (now includes Multi-Car)
  • Miscellaneous Rating Factors
11/01/14 New/Renew
CMRC129487165

Rate/Rule:
Rule:

  • Rule 20. Vehicle Liability Symbols

Rate:

  • Base Rate Pages – Liability Symbol Pages
  • update our Liability Symbol structure to reflect ISO’s 2010 Liability Program, as provided in ISO Circular LP-AA-2011-005 and filing number PP-2011-RLP1
09/01/14 New/Renew
CMRC129440067

Form/Rule
Form: 

  • Retail Benefit Program – CIC-2238 (05/14)

Rule: 

  • Rule 37. Company Endorsements – Retail Benefit Program Endorsement
04/01/14 New/Renew

CMRC129801185
CMRC129635858
 
CMRC129561991 
CMRC129379328 
CMRC129433328

Groups 12/10/14
09/01/14
07/15/14
04/01/14
04/01/14 
CMRC129346376

Form/Rule
Rules Revised:

  • Rule 19 Discount – Annual Mileage
  • Rule 38 Disappearing Deductible Credit
  • Rule 40 Antique Motor Cars
  • Rule 41 Stated Amount Coverage
  • Rule 44 Motorcycles, Motor scooters, Mopeds and Similar Motor Vehicles
  • Rule 56 Merit Rating Plan / Accident Forgiveness

Rate Pages Revised:

  • Motorcycle Rating Rules and Territory Definitions
  • Original Cost New Determination Rule

Forms Revised:

  • Accident Forgiveness
05/01/14 New/Renew
CMRC129165933

Forms & Endorsements:

  • DrivAdvisor Program Endorsement – CIC 2229 (12/13)
  • Letter for DriveAdvisor Program
  • Brochure for DriveAdvisor Program
  • Terms of Use and Privacy Policy – DriveAdvisor Program

Rule 37. Optional Endorsements – DriveAvdisor Program Endorsement added

12/01/13 New/Renew
CMRC129069522
+1.800% 

Form/Rate/Rule
Rates:
Base Rates
OBI Limit Factors
2015 Mode Year/Symbol Factor
Liability BI & PD Symbol Factors

Rules: 11, 12, 19, 26, 36, 56

Forms & Endorsements:

  • Commerce Enhancer Package Endorsement -
    Form CIC 2122 (11/13)
  • Commerce VIP Package Endorsement -  
    Form CIC 2123 (11/13)
  • AAA Member Package Endorsement -  
    Form CIC 2114 (11/13)
  • Coverage Selections Page (11/13)
  • Supplemental Application – Form CIC 2115 (11/13)
  • Supplemental Application – MAIP –
    Form CIC 2115 MAIP (11/13)
  • Vehicle Sharing Exclusion -  CIC-2212 (11/13)
  • Notice to Policyholders  -
    CIC 2211 (11/13)
  • Accident Forgiveness -
    CIC 2209 (11/13)
11/01/13 New/Renew
CMRC128856929 Installment Plan 08/01/13

CMRC129279971
CMRC129222575
CMRC129193917
CMRC129160124

CMRC129153473
CMRC129107742
CMRC129042502
CMRC128998663
CMRC128909129
CMRC128878291

Groups 12/01/13 New/Renew
11/01/13
10/01/13
09/15/13 
09/01/13
08/01/13
07/01/13
06/01/13
04/01/13 
04/01/13
CMRC128799484 +1.1%

Rate/Discount/Factor Changes:

  • Base Rate Revision (Private Passenger & Motorcycle)
  • Risk Factors revision (Rule 26 b.)
  • New Merit Rating Factors for OBI (Rule 56)
  • Removal of the Passive Restraint Discount (Rule 19)
  • Addition of Model/Symbol Factors for Model Years 2012
  • Revised Motorcycle Inexperienced Factor
  • Removal of Implicit Surcharge Factor for Motorcycles
  • Move to Cost New for Motorcycle with the addition of Age Factors
  • Introduction of Motorcycle Accessory Rates
  • Revised Motorcycle Optional BI ILF’s

Rules: 2, 11, 12, 19, 37, 44, 56

Forms & Endorsements:

  • Coverage Selections Page
  • Supplemental Applicaiton
05/01/13 New/Renew
CMRC128436680 +1.8%

Complete Manual
Rates & Factors:

  • Base Rates for BI, OBI, PD, Coll & Comp. 
  • Symbol Factors MY 2014
  • Misc. Rate Factors Page

Rules: 11, 19, 26, 41
Forms & Endorsements:

  • Supplemental Application
  • Supplemental MAIP Application 
11/01/12 New/Renew
CMRC128072798

Forms & Endorsements:

  • Amendment of Policy Porvisions - MA
04/01/12 New/Renew
CMRC127890881  +2.1%

Form and Endorsements:

  • Annual Mileage Discount
  • Auto Loan/Lease Coverage
Complete Manual
Rules: 19, 56
Rates
05/01/12 New/Renew
CMRC127847625

Forms & Endorsements:

  • Supplemental Application
  • MA Mandatory End. ACV 
02/01/12 New/Renew
CMRC127192050  +2.4%

Form and Endorsements:

  • Application
  • AAA Member Package
  • Commerce VIP Package
  • Commerce Enhancer Package
  • Coverage for Anyone Renting an Auto to You Additional Insured - Lessor

Complete Manual
Rules: 11, 26, 35, 36, 37, 55, 56
Rates

11/01/11 New/Renew
CMRC127382009

Complete Manual
Motorcycle Value Determination

11/01/11 New/Renew
CMRC127625229

Forms & Endorsements:

  • Supplemental Application MAIP
  • Application
12/01/11 New/Renew
CMRC126895831 +3%

Rate/Discount/Factor Changes:

  • Base Rate Revision (Private Passenger & Motorcycle)
  • Risk Factors revision (Rule 26 b.)
  • New Merit Rating Factors for OBI (Rule 56)
  • Removal of the Passive Restraint Discount (Rule 19)
  • Addition of Model/Symbol Factors for Model Years 2012
  • Revised Motorcycle Inexperienced Factor
  • Removal of Implicit Surcharge Factor for Motorcycles
  • Move to Cost New for Motorcycle with the addition of Age Factors
  • Introduction of Motorcycle Accessory Rates
  • Revised Motorcycle Optional BI ILF’s

Rules: 2, 11, 12, 19, 37, 44, 56

Foms & Endorsements:

  • Motorcycle Accessory Endorsement
  • Declarations Page
  • MA Auto Applicaion
  • Supplemental Application
  • AIB forms
 04/01/11 New/Renew
CMRC126922400

Forms & Endorsements:

  • Stated Amount Coverage
  • Antique Auto
  • Waiver of Deductible
  • Excess Electronic Equipment Coverage
  • Application
02/07/11 New/Renew
CMRC126609141  +3.5%

Complete Manual
Rules: 4, 11, 12, 13, 19, 22, 25, 26, 41, 45, 50 
Rates

Forms & Endorsements: 

  • Coverage Selections Page
11/01/10 New/Renew
CMRC126627066 Installment Plan 10/01/10 New/Renew
CMRC126626666 Installment Plan 10/01/10 New/Renew
CIC126510155 Installment Plan 06/03/10 New/Renew
CIC09NOV16172    +3.5% Complete Manual
Rules: 11, 19, 26
Rates
04/01/10 New/Renew
CIC09OCT30011     Installment Plan  01/04/10 New/Renew
CIC09OCT23463     Installment Plan  01/04/10 New/Renew
CIC09SEP17351    

Forms & Endorsements:

  • Notice of Mandatory
    Pre-Insurance Inspection

Rule 55

12/01/09 New/Renew
CIC09SEP15464     Installment Plan 09/25/09 New/Renew
CIC09JUL22668    

Forms & Endorsements:

  • Coverage Selections Page
12/01/09 New/Renew
CIC09JUN16430    +0.1%

Forms & Endorsements:

  • Supplemental Application
  • Supplemental Application for MAIP

Complete Manual
Rules: 11, 19, 26, 40
Rates

09/01/09 New
11/01/09 Renew
CIC09JUN18815     Installment Plan 09/01/09 New
11/01/09 Renew
CIC09JUN18747     Installment Plan 09/01/09 New
11/01/09 Renew
CIC09APR13535    

Forms & Endorsements:

  • Cancellation Notice
05/01/09 New/Renew
CIC09MAR10184    

Forms & Endorsements:

  • Non-Renewal Notice
05/01/09 New/Renew
CIC09MAR02442

Forms & Endorsements:

  • Advisory Notice - Removal of Commerce VIP Endorsement
  • Non-Renewal Notice
08/01/09  New/Renew
CICRULECOMM122908 Installment Plan 04/01/09 New/Renew
CIC08DEC02896    -3.0% Rates - Motorcycle 04/01/09 New/Renew
CIC08NOV12376    -4.5% Complete Manual (marked up)
Rules: 3, 8, 11, 19, 23, 28, 35, 37, 50, 56
04/01/09 New/Renew
CIC08NOV12165    

Forms & Endorsements:

  • AAA Package Endorsement
  • Dec Page
  • Supplemental Application
  • Elite Package
  • MAIP Supplemental Application
04/01/09 New/Renew
CIC08Nov258062    

Forms & Endorsements:

  • Commerce Elite Package Endorsement
  • Supplemental Application
  • Ways to Save Guide
  • Advisor Notice to Remove Commerce Elite Package Endorsement

Rule 37

12/01/08 New/Renew
CIC115523     Rule 37 12/01/08 New/Renew
CIC115511    

Forms & Endorsements:

  • Auto Loan/Lease Coverage
  • Supplemental Application
  • Ways to Save Guide
12/01/08 New/Renew
CIC114677    

Forms & Endorsements:

  • Com-Pack Endorsement
  • Supplemental Application
  • Ways to Save Guide
  • Advisor Notice to removed Com-Pack Endorsement
11/01/08 New/Renew
CIC114648     Rules: 11, 19 11/01/08 New/Renew
CIC114681     Rule 37 11/01/08 New/Renew
CIC114094    

Forms & Endorsement:

  • Commerce VIP Package Endorsement
08/01/08 New/Renew
CIC113257     Rule 26  04/01/08 New/Renew
CIC114020     Rule 36 08/01/08 New/Renew
CIC113176     Rules: 11, 35, 37 08/01/08 New/Renew
CIC113166    

Forms & Endorsements:

  • Commerce Enhancer Package Endorsement
08/01/08 New/Renew
CIC113184    

Forms & Endorsements:

  • Supplemental Application
  • AAA Member Package Endorsement
  • Ways to Save Guide
07/01/08 New/Renew
CIC112802    

Forms & Endorsements:

  • Ways to Save Guide
07/01/08 New/Renew
CIC112541     Rules: 19, 35 07/01/08 New/Renew
CIC113257     Rules: 26, 28 04/01/08 New/Renew
Initial Filing    -8.1% Commerce Manual 04/01/08 New

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