Liberty Mutual Personal Insurance Company

As of June 2020

The following are the filings made by Liberty Mutual Personal Insurance.
New to MA – Replacing LM General & Excludes Motorcycles
New Business 10/21/19 and Future Renewals of LM General will roll over to this program.
Adopting the forms and endorsements previously approved for use with LM General as well as new forms.

Filing No./Overall Rate Indication Materials Included

 New

Effective Date

LBPM132119818

Rate/Rule

Rate:

  • F6D – Usage Based Insurance Program
    • Vehicle Factor
    • VIN Factor
    • Vehicle Discount Factor
  • F6. Vehicle Discount Factor
  • F6C. Usage Based Insurance Program
    • Vehicle Factor
    • Vehicle Discount Factor

Markup of Changes

04/20/20 New

05/27/20 Renew

 LBPM131761210

Liberty Mutual Personal Insurance (LMPIC)

New to MA – Replacing LM General & Excludes Motorcycles

New Business 10/21/19 and Future Renewals of LM General will roll over to this program.

Adopting the forms and endorsements previously approved for use with LM General as well as new forms.

Filing # LBPM131761210 - Eff. 10/21/19

Form/Rate/Rule

Form:

  • Massachusetts Automobile Insurance Policy – AUTO 4317 03 19
  • Liberty Enhanced Coverage Endorsement – AS 3906
  • Original Equipment Manufacturer Parts Coverage – AS 3837MA 03 19

Rules:

Complete Manual of Rules Version 1.00 Effective Per Section A

SECTION G – General Rules

  • Application of Manual
  • Eligibility
  • Policy Term
  • Rates and Rating Information
  • Changes
  • Cancellation
  • Suspension
  • Instructions for Pro Rata
  • Whole Dollar Premium
  • Premium Payment Plan
  • Coverages and Limits
  • Personal Injury Protection – Deductible Form
  • Mandatory Offer of Coverage
  • Motor Vehicle Registration Certificates
  • Pre-Insurance Inspection Program
  • Deferred Operators
  • Additional Policy Protection
  • Late Payment Fee

SECTION C – Classification

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

SECTION F – Other Factors F

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

SECTION TC – Trailer and Camper Coverage and Rating

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

SECTION OC – Additional (Optional) Coverage Rules

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

SECTION OP – Other Policy Types

  • OP1. Reserved for future use
  • OP2. Extended Non-Owned Coverage
  • SECTION FR – Forms
  • SECTION PDP – Premium Determination Procedure

Rating:

  • Coverage Factors
  • Policy Factors
  • Operator Factors
  • Household Factor
  • Incident Factor
  • Vehicle Factor
  • Prior Insurance Factor
  • Right Track Group Vehicle Factor
  • Coverage Factor – Months in
  • Tier Factor
  • Installment  Plans
  • MA Master Forms Utilization List

10/21/19 New 

Contact MAIA

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