LM General Insurance Company

As of January 2019

The following are the filings made by LM General Insurance.

Filing No./Overall Rate Indication Materials Included

 New

Effective Date

LBPM131769079

LBPM131835573 

Groups

01/19

04/19

LBPM131672611

Motorcycle

Rule:

  • MC-C2F – Driver Training Discount

Markup of Changes

12/20/18 New/Renew

LBPM131456518

+9.9%

Motorcycle

Rate:

  • Index Page
  • Coverage Factors
  • Vehicle Factors

Markup of Changes

07/14/18 New

08/01/18 Renew 

LBPM131316466

LBPM131440146

LBPM131527416

LBPM131560660

LBPM131598803

LBPM131623998

LBPM131665612

LBPM131694177

LBPM131726910

Groups

01/18

05/18

06/18

07/18

08/18

08/18

10/18

11/18

11/18

 LBPM131072237

Rate/Rule:

Rule:

  • C2. Operator Discount Factor
    • C2A – Reserved for Future Use (Removed Public Transit)
  • F7. Policy Discount Factor
    • F7L – Reserved for Future Use (Removed Enrollment Credit)        
  • Operator Discount Factor
  • Premium Determination – Policy Discount Factor

Rates:

  • Base Rates

Markup of Changes

08/01/17 New

03/31/18 Renew 

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

LBPM131173190

LBPM131133440

LBPM131204851

LBPM131238294

LBPM131293865

Groups

01/17
05/17

06/17

08/17

08/17

10/17

12/17

12/17

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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