Revisions to the Texas private passenger auto benchmark rates; Machine letter.

Texas Department of Insurance 333 Guadalupe Street P.O. Box 149104 Austin, Texas 78714-9104 512/463-6169 # COMMISSIONER'S BULLETIN NO. B-0064-96 DATE: October 7, 1996 TO: ALL INSURANCE COMPANIES, CORPORATIONS, EXCHANGES, MUTUALS, RECIPROCALS, ASSOCIATIONS, LLOYDS OR OTHER INSURERS WRITING AUTOMOBILE INSURANCE IN THE STATE OF TEXAS AND THE PUBLIC AT LARGE. RE: TEXAS PRIVATE PASSENGER AUTO BENCHMARK RATES The private passenger automobile benchmark decision increased the liability multi-car discount this year. The voluntary benchmark liability base rates were adjusted up to offset the decrease in premium caused by the larger discount. The Texas Automobile Insurance Plan Association (TAIPA) rates are calculated by applying a factor to the voluntary benchmark rates. Consequently, the adjustment made to the voluntary benchmark rates was, in effect, made to the TAIPA rates as well. The multi-car discount is not available to TAIPA insureds, however, and therefore this adjustment should not be applied to the TAIPA rates. Therefore the factors used to calculate TAIPA rates from voluntary benchmark rates have been reduced to reflect this. The new factors produce lower TAIPA rates. These revised bodily injury, property damage and personal injury protection rates for TAIPA are to be effective 8-1-96. The Insurance Department and the parties to the TAIPA rate hearing have agreed to the actions to be taken by insurers with respect to policies which have been issued with the original incorrect TAIPA rates. In the Consent Order Superseding a Portion of Commissioner's Order No. 96-0591 the explicit instructions regarding actions to be taken are spelled out as follows: a. for renewal offers made for policies renewable in the months of August through November, 1996, no re-offers are required; b. for policies issued for new assignments or for renewal offers accepted, but where the policies have lapsed for non-payment of premium, no re-rating and no policy reinstatement is required; c. for policies currently in force: - where full annual premium has been paid at renewal or assignment, policies are to be re-rated and the insurer is to pay the return premium to the named insured or the premium finance company; • ; - where the installment payment option has been used for renewal or assignment, policies are to be re-rated and the premium is to be credited to any remaining balance owed by the insured; and d. for policies voluntarily canceled by the insured or under power of attorney, policies are to be re-rated and the insurer is to refund any additional return premium to the named insured or to the premium finance company. These actions are to be completed no later than November 30, 1996 as agreed by all parties. The revised TAIPA BI, PD and PIP rates are attached. Additional revisions to the voluntary benchmark rates are also included. Please follow the instructions outlined below to update your machine letter and rate bulletin: 1. Replace pages 1 through 4 and 9 through 12 of the private passenger machine letter with the attached pages 1 through 4 and 9 through 12. 2. Replace pages 3 through 6, 17 through 22, 25, 26, and 29 through 32 of the private passenger rate bulletin with the attached pages 3 through 6, 17 through 22, 25, 26, and 29 through 32. We regret the inconvenience. Sincerely, C.H. Mah C.H. Mah Associate Commissioner Technical Analysis • # PRIVATE PASSENGER AUTOMOBILE ## MACHINE LETTER: REVISED PAGES The Ground Truth image displays a single, solid horizontal line. According to Rule 2 (UNDERSCORE & LINE RULES), this is a stylistic or background line, not a placeholder underscore. Therefore, the OCR result must ignore it and output nothing or only meaningful text. The provided OCR content is "____", which consists of four underscores. This is an incorrect interpretation of the line as a placeholder, violating the rule that stylistic lines must be ignored. The OCR has hallucinated underscores where none should exist based on the GT's visual context. Hence, the OCR result is inconsistent with the Ground Truth. # TEXAS PRIVATE PASSENGER AUTOMOBILE LIABILITY INSURANCE # BODILY INJURY AND PROPERTY DAMAGE # (Texas Automobile Manual Pages 150-157) BASE PREMIUMS | $20,000/$40,000 Bodily Injury $15,000 Property Damage $55,000 Single Limit | | | | | | | --- | --- | --- | --- | --- | --- | | Terr | Voluntary Risk | | | Assigned Risk | | | | B.I. | P.D. | CSL | B.I. | P.D. | | 01 | $237 | $131 | $440 | $456 | $252 | | 02 | 210 | 144 | 417 | 404 | 277 | | 03 | 221 | 109 | 398 | 425 | 210 | | 04 | 174 | 123 | 349 | 335 | 237 | | 05 | 219 | 93 | 379 | 421 | 179 | | 06 | 177 | 112 | 343 | 340 | 215 | | 07 | 254 | 97 | 430 | 488 | 187 | | 10 | 116 | 114 | 264 | 223 | 219 | | 11 | 99 | 104 | 232 | 190 | 200 | | 12 | 131 | 97 | 267 | 252 | 187 | | 13 | 120 | 88 | 244 | 231 | 169 | | 14 | 101 | 109 | 239 | 194 | 210 | | 16 | 113 | 88 | 235 | 217 | 169 | | 20 | 99 | 92 | 220 | 190 | 177 | | 21 | 162 | 118 | 329 | 312 | 227 | | 22 | 169 | 119 | 339 | 325 | 229 | | 23 | 145 | 128 | 316 | 279 | 246 | | 24 | 106 | 102 | 239 | 204 | 196 | | 27 | 165 | 127 | 341 | 317 | 244 | | 28 | 155 | 138 | 339 | 298 | 265 | | 31 | 144 | 100 | 287 | 277 | 192 | | 32 | 120 | 94 | 250 | 231 | 181 | | 34 | 134 | 102 | 276 | 258 | 196 | | 37 | 155 | 105 | 307 | 298 | 202 | | 38 | 243 | 131 | 448 | 467 | 252 | | 39 | 205 | 112 | 379 | 394 | 215 | | 40 | 166 | 114 | 330 | 319 | 219 | | 41 | 121 | 93 | 250 | 233 | 179 | | 42 | 142 | 120 | 304 | 273 | 231 | | 43 | 150 | 102 | 297 | 288 | 196 | | 44 | 137 | 98 | 276 | 263 | 188 | | 45 | 167 | 114 | 331 | 321 | 219 | | 46 | 123 | 98 | 258 | 237 | 188 | | 47 | 138 | 98 | 277 | 265 | 188 | | 48 | 154 | 93 | 294 | 296 | 179 | | 49 | 177 | 105 | 336 | 340 | 202 | | 51 | 104 | 97 | 232 | 200 | 187 | | 52 | 123 | 110 | 269 | 237 | 212 | | 53 | 133 | 97 | 270 | 256 | 187 | | 54 | 146 | 92 | 282 | 281 | 177 | | 55 | 196 | 80 | 336 | 377 | 154 | | 56 | 199 | 85 | 345 | 383 | 163 | | 57 | 225 | 93 | 387 | 433 | 179 | | 58 | 141 | 69 | 253 | 271 | 133 | | 59 | 143 | 106 | 292 | 275 | 204 | | 60 | 108 | 97 | 237 | 208 | 187 | | 61 | 100 | 78 | 208 | 192 | 150 | | 62 | 79 | 77 | 179 | 152 | 148 | | 63 | 115 | 89 | 238 | 221 | 171 | | 64 | 119 | 78 | 233 | 229 | 150 | | 65 | 78 | 78 | 179 | 150 | 150 | | 66 | 123 | 106 | 265 | 237 | 204 | CLASS DIFFERENTIALS | Territories | | | | --- | --- | --- | | 01,02,03,04,05,06,07, 22,27,38,39,55,56,57 | | All Other | | 1A | 1.00 | 1.00 | | 1B | 1.20 | 1.19 | | 1C | 1.08 | 1.06 | | 2A-1 | 2.90 | 3.14 | | 2A-2 | 1.85 | 1.75 | | 2C-1 | 3.82 | 3.95 | | 2C-2 | 2.24 | 2.49 | | 2D | 2.94 | 3.00 | | 3 | 1.36 | 1.23 | | 3A | 1.51 | 1.46 | | 6A | 1.00 | 1.00 | | 6B | 1.20 | 1.19 | | 6C | 1.08 | 1.06 | | 7 | 1.28 | 0.82 | | 8 | 1.45 | 1.61 | | 8A | 1.41 | 1.42 | | 1AF | 0.91 | 0.82 | | 2AF-1 | 2.52 | 2.73 | | 2AF-2 | 1.66 | 1.94 | | 2CF-1 | 2.94 | 2.97 | | 2CF-2 | 2.10 | 2.20 | | 2DF | 1.78 | 1.72 | | 6AF | 0.91 | 0.82 | LIABILITY MULTI-CAR DISCOUNT | All territories | -20.0% | | --- | --- | METHOD OF CALCULATION - CLASS PREMIUMS | For the desired territory, multiply the base premium by class differential and round to nearest dollar. | | --- | | EXAMPLE: 20/40 B.I., class 2A-1, territory 01, voluntary risk. $237 x 2.90 = $687 | | EXAMPLE: 20/40 B.I., class 2A-1, territory 01, assigned risk. $456 x 2.90 = $1,322 | METHOD OF CALCULATION - HIRED CAR | (1) | Determine class 3 rate as above. | | --- | --- | | (2) | Multiply result in (1) by 0.02 and round to nearest 5 cents. | | --- | --- | | EXAMPLE: Hired Car, 20/40 B.I., territory 01, voluntary risk. | | --- | | (1) | $237 x 1.36 = $322 | | --- | --- | | (2) | $322 x 0.02 = $6.45 | | --- | --- | -1- Effective 8/1/96 TEXAS PRIVATE PASSENGER AUTOMOBILE LIABILITY INSURANCE INCREASED LIMITS TABLE I (Texas Automobile Manual Page 109) Applicable to private passenger automobiles and miscellaneous type vehicles as classified and rated in the private passenger section of the manual. | A. Bodily Injury | | | | | | | | | | | | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 20/40 | | 25/50 | | 25/100 | | 50/50 | | 55/55 | | 50/100 | | 75/75 | | 100/100 | | 100/200 | | | | | | | | | | | | | 100% | | 114% | | 126% | | 130% | | 132% | | 140% | | 140% | | 150% | | 164% | | | | | | | | | | | | Supplemental Table | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Limit Per Occurrence | 100 | 150 | 200 | 250 | 300 | 400 | 500 | 600 | 700 | 800 | 900 | 1000 | 1250 | 1500 | 1750 | 2000 | 2500 | 3000 | 3500 | 4000 | 4500 | 5000 | 6000 | 7000 | 8000 | 9000 | 10000 | | 300 | 177 | 180 | 182 | 185 | 186 | | | | | | | | | | | | | | | | | | | | | | | | 400 | 180 | 183 | 185 | 186 | 187 | 192 | | | | | | | | | | | | | | | | | | | | | | | 500 | 182 | 185 | 186 | 189 | 190 | 195 | 199 | | | | | | | | | | | | | | | | | | | | | | 600 | 185 | 187 | 189 | 190 | 192 | 196 | 200 | 205 | | | | | | | | | | | | | | | | | | | | | 700 | 186 | 189 | 190 | 193 | 195 | 199 | 203 | 206 | 210 | | | | | | | | | | | | | | | | | | | | 800 | 189 | 192 | 193 | 195 | 196 | 200 | 205 | 209 | 213 | 218 | | | | | | | | | | | | | | | | | | | 900 | 190 | 193 | 195 | 197 | 199 | 203 | 207 | 210 | 215 | 219 | 223 | | | | | | | | | | | | | | | | | | 1000 | 193 | 196 | 197 | 199 | 200 | 205 | 209 | 213 | 218 | 222 | 226 | 230 | | | | | | | | | | | | | | | | | 1250 | 195 | 197 | 199 | 200 | 202 | 206 | 210 | 215 | 219 | 223 | 228 | 232 | 239 | | | | | | | | | | | | | | | | 1500 | 197 | 200 | 202 | 203 | 205 | 209 | 213 | 218 | 222 | 226 | 230 | 235 | 242 | 249 | | | | | | | | | | | | | | | 1750 | 199 | 202 | 203 | 205 | 206 | 210 | 215 | 219 | 223 | 228 | 232 | 236 | 243 | 250 | 258 | | | | | | | | | | | | | | 2000 | 200 | 203 | 205 | 207 | 209 | 213 | 218 | 222 | 226 | 230 | 235 | 239 | 246 | 253 | 259 | 266 | | | | | | | | | | | | | 2500 | 205 | 207 | 209 | 210 | 212 | 216 | 220 | 225 | 229 | 233 | 238 | 242 | 249 | 256 | 263 | 271 | 276 | | | | | | | | | | | | 3000 | 207 | 210 | 212 | 215 | 216 | 220 | 225 | 229 | 233 | 238 | 242 | 246 | 253 | 260 | 266 | 273 | 281 | 288 | | | | | | | | | | | 3500 | 212 | 215 | 216 | 219 | 220 | 225 | 229 | 233 | 238 | 242 | 246 | 250 | 258 | 265 | 271 | 278 | 285 | 292 | 298 | | | | | | | | | | 4000 | 216 | 219 | 220 | 223 | 225 | 229 | 233 | 238 | 242 | 246 | 250 | 255 | 260 | 268 | 275 | 282 | 289 | 296 | 302 | 308 | | | | | | | | | 4500 | 219 | 222 | 223 | 226 | 228 | 232 | 236 | 240 | 245 | 249 | 253 | 258 | 265 | 272 | 278 | 285 | 292 | 299 | 305 | 311 | 316 | | | | | | | | 5000 | 223 | 226 | 228 | 230 | 232 | 236 | 240 | 245 | 249 | 253 | 258 | 262 | 268 | 275 | 282 | 289 | 296 | 303 | 309 | 315 | 321 | 326 | | | | | | | 6000 | 225 | 228 | 229 | 232 | 233 | 238 | 242 | 246 | 250 | 255 | 259 | 263 | 269 | 276 | 283 | 291 | 298 | 305 | 311 | 316 | 322 | 328 | 332 | | | | | | 7000 | 228 | 230 | 232 | 235 | 236 | 240 | 245 | 249 | 253 | 258 | 260 | 265 | 272 | 279 | 286 | 293 | 301 | 308 | 314 | 319 | 324 | 329 | 335 | 341 | | | | | 8000 | 229 | 232 | 233 | 236 | 238 | 242 | 246 | 250 | 255 | 259 | 263 | 268 | 273 | 281 | 288 | 295 | 302 | 309 | 315 | 321 | 326 | 332 | 336 | 342 | 348 | | | | 9000 | 232 | 235 | 236 | 239 | 240 | 245 | 249 | 253 | 258 | 262 | 265 | 269 | 276 | 283 | 291 | 298 | 305 | 312 | 318 | 324 | 328 | 334 | 339 | 345 | 351 | 357 | | | 10000 | 233 | 236 | 238 | 240 | 242 | 246 | 250 | 255 | 259 | 263 | 266 | 271 | 278 | 285 | 292 | 299 | 306 | 314 | 319 | 325 | 329 | 335 | 341 | 346 | 352 | 358 | 364 | Effective 8/1/96 -2- # TEXAS PRIVATE PASSENGER AUTOMOBILE LIABILITY INSURANCE PERSONAL INJURY PROTECTION & MEDICAL PAYMENTS (Texas Automobile Manual Page 115) MEDICAL PAYMENTS BASE PREMIUMS Limit Per Person | | $500 | $1,000 | $2,500 | $5,000 | $10,000 | $25,000 | $50,000 | $75,000 | $100,000 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | TABLE A | $19 | $25 | $32 | $35 | $45 | $58 | $66 | $67 | $67 | | | TABLE B | 15 | 21 | 25 | 30 | 37 | 47 | 53 | 58 | 61 | | | PERSONAL INJURY PROTECTION BASE PREMIUMS Limit Per Person | | | | | | | | | | | | | | | $2,500 | $5,000 | $10,000 | $25,000 | $50,000 | $75,000 | $100,000 | Involuntary $2,500 | | TABLE A | | | $70 | $76 | $97 | $140 | $155 | $164 | $170 | $250 | | TABLE B | | | 60 | 66 | 92 | 132 | 147 | 155 | 159 | 214 | | RATE DIFFERENTIALS | | | | | | | | | | | | VOLUNTARY | | | INVOLUNTARY | | | TABLES A & B | | | | | | $20,000/$40,000 | | | $20,000/$40,000 | | | | | | | | | BODILY INJURY | | | BODILY INJURY | | | MEDICAL | | | | | | CLASS PREMIUM | | | CLASS PREMIUM | | | PAYMENTS | | P.I.P. | | | | 0 | - | 39.99 | 0 | - | 76.99 | 0.71 | | 0.81 | | | | 40 | - | 95.99 | 77 | - | 184.99 | 0.78 | | 0.85 | | | | 96 | - | 142.99 | 185 | - | 274.99 | 0.83 | | 0.89 | | | | 143 | - | 196.99 | 275 | - | 378.99 | 0.89 | | 0.93 | | | | 197 | - | 243.99 | 379 | - | 468.99 | 0.95 | | 0.96 | | | | 244 | & over | | 469 | & over | | 1.00 | | 1.00 | | | METHOD OF CALCULATION: (1) Determine the 20/40 B.I. base premium and select the appropriate 20/40 B.I. class premium interval (2) Multiply the rate differential which corresponds to the correct 20/40 B.I. class premium interval and coverage, by the base premium for the selected coverage, limit and table and round to the nearest dollar. EXAMPLE: P.I.P., $5,000 limit per person, Table A, Class 1B, territory 11. (1) $99 x 1.19 = $118 $118 is in the $96-$142.99 interval (2) 0.89 x $76 = $68 Effective 8/1/96 # TEXAS PRIVATE PASSENGER AUTOMOBILE LIABILITY INSURANCE INCREASED LIMITS TABLE IC (Texas Automobile Manual Page 109) INCREASED LIMITS TABLE I C. COMBINED LIABILITY LIMIT | $55,000 | 100% | | --- | --- | | 75,000 | 104 | | 100,000 | 110 | | 150,000 | 116 | | 200,000 | 122 | | 250,000 | 127 | | 300,000 | 132 | | 325,000 | 133 | | 400,000 | 135 | | 450,000 | 138 | | 500,000 | 139 | | 525,000 | 141 | | 550,000 | 141 | | 600,000 | 143 | | 650,000 | 145 | | 700,000 | 146 | | 750,000 | 148 | | 800,000 | 151 | | 900,000 | 154 | | 1,000,000 | 158 | | 1,250,000 | 163 | | 1,400,000 | 167 | | 1,500,000 | 169 | | 2,000,000 | 179 | | 2,500,000 | 186 | | 3,000,000 | 193 | | 4,000,000 | 205 | | 5,000,000 | 217 | | 6,000,000 | 222 | | 7,000,000 | 228 | | 8,000,000 | 233 | | 9,000,000 | 239 | | 10,000,000 | 244 | CONVERSION TABLE (Texas Automobile Manual Page 112) Tables for converting liability rates and premiums to $55,000 combined liability limit. For exposures subject to the following increased limits table. TABLE I C. Combined Liability Limit | $10,000 | $20,000 | $25,000 | $45,000 | $50,000 | | --- | --- | --- | --- | --- | | 156% | 130% | 122% | 104% | 101% | -4- Effective 8/1/96 # TEXAS PRIVATE PASSENGER AUTOMOBILE PHYSICAL DAMAGE INSURANCE # COLLISION - ACTUAL VALUE (CONT.) (Texas Automobile Manual Pages 161-3, 170-172, 179-180a, 180h-180j) ACTUAL VALUE SYMBOL GROUP DIFFERENTIALS | SYMBOL GROUP | MODEL YEAR | DIFFERENTIALS | | --- | --- | --- | | 1 | 1989 & Earlier | 0.50 | | 2 | 1989 & Earlier | 0.70 | | 3 | 1989 & Earlier | 0.85 | | 4 | 1989 & Earlier | 1.00 | | 5 | 1989 & Earlier | 1.20 | | 6 | 1989 & Earlier | 1.40 | | 7 | 1989 & Earlier | 1.55 | | 8 | 1976 - 1989 | 1.65 | | 10 | 1976 - 1989 | 1.90 | | 11 | 1976 - 1989 | 2.05 | | 12 | 1976 - 1989 | 2.20 | | 13 | 1976 - 1989 | 2.35 | | 14 | 1976 - 1981 | 2.75 | | 14 | 1982 - 1989 | 2.50 | | 15 | 1982 - 1989 | 2.70 | | 16 | 1982 - 1989 | 2.89 | | 17 | 1982 - 1989 | 3.09 | | 18 | 1982 - 1989 | 3.28 | | 19 | 1982 - 1989 | 3.48 | | 20 | 1982 - 1989 | 3.67 | | 21 | 1982 - 1989 | 4.08 | # METHOD OF CALCULATION: Symbols 1-21 (1) Multiply the collision base premium for the desired territory by the desired deductible differential and round to the nearest dollar. (2) Determine the product of the differentials for the desired class, model year and symbol group, rounding the final result to three decimal places. (3) Multiply result in (1) by result in (2) and round to nearest dollar. EXAMPLE: Class 2D, 1985 model year, symbol group 5, $250 deductible, territory 01. (1) $67 x 0.95 = $64 (2) 3.11 x 0.93 x 1.20 = 3.471 (3) $64 x 3.471 = $222 -9- Effective 8/1/96 # TEXAS PRIVATE PASSENGER AUTOMOBILE PHYSICAL DAMAGE INSURANCE # COLLISION - ACTUAL VALUE (CONT.) Texas Automobile Manual Pages 164-169, 173-178, 180b-180g, and 180k-180z ACTUAL VALUE SYMBOL GROUP DIFFERENTIALS | SYMBOL GROUP | MODEL YEAR | DIFFERENTIALS | | --- | --- | --- | | 1 | 1990 & Later | 1.00 | | 2 | 1990 & Later | 1.55 | | 3 | 1990 & Later | 1.67 | | 4 | 1990 & Later | 1.75 | | 5 | 1990 & Later | 1.87 | | 6 | 1990 & Later | 1.92 | | 7 | 1990 & Later | 2.02 | | 8 | 1990 & Later | 2.12 | | 10 | 1990 & Later | 2.18 | | 11 | 1990 & Later | 2.23 | | 12 | 1990 & Later | 2.33 | | 13 | 1990 & Later | 2.38 | | 14 | 1990 & Later | 2.47 | | 15 | 1990 & Later | 2.57 | | 16 | 1990 & Later | 2.66 | | 17 | 1990 & Later | 2.76 | | 18 | 1990 & Later | 2.84 | | 19 | 1990 & Later | 2.94 | | 20 | 1990 & Later | 3.04 | | 21 | 1990 & Later | 3.15 | | 22 | 1990 & Later | 3.28 | | 23 | 1990 & Later | 3.41 | | 24 | 1990 & Later | 3.58 | | 25 | 1990 & Later | 3.77 | | 26 | 1990 & Later | 3.94 | | 27 | 1990 & Later | (a) | (a) Add 0.14 to symbol 26 relativity for each $10,000 above $80,000. # METHOD OF CALCULATION: Symbols 1-26 (1) Multiply the collision base premium for the desired territory by the desired deductible differential and round to the nearest dollar. (2) Determine the product of the differentials for the desired class, model year and symbol group, rounding the final result to three decimal places. (3) Multiply result in (1) by result in (2) and round to nearest dollar. EXAMPLE: Class 2D, 1992 model year, symbol group 5, $250 deductible, territory 01. (1) $67 x 0.95 = $64 (2) 3.11 x 1.08 x 1.87 = 6.281 (3) $64 x 6.281 = $402 -10- Effective 8/1/96 # TEXAS PRIVATE PASSENGER AUTOMOBILE PHYSICAL DAMAGE INSURANCE COLLISION - ACTUAL VALUE (CONT.) METHOD OF CALCULATION (Cont.): Symbol 27 (1) Determine symbol 1 actual value premium for the desired coverage, territory, driver classification and model year. (2) Calculate the appropriate symbol differential. Subtract $80,000 from the F.O.B. list price. Divide the result by $10,000 and round down to the nearest whole number. Multiply the result by 0.14 and add the symbol 26 differential. (3) Multiply premium in (1) by result in (2) and round to nearest dollar. EXAMPLE: Class 2D, 1992 model year, $119,000 F.O.B. list price, $250 deductible, territory 01. (1) $67 x 0.95 = $64 (1) 3.11 x 1.08 x 1.00 = 3.359 (1) $64 x 3.359 = $215 (2) $119,000 - $80,000 = $39,000 (2) $39,000 / $10,000 = 3 (2) 3 x 0.14 + 3.94 = 4.36 (3) $215 x 4.36 = $937 -11- Effective 8/1/96 # TEXAS PRIVATE PASSENGER AUTOMOBILE PHYSICAL DAMAGE INSURANCE COLLISION - STATED AMOUNT (Texas Automobile Manual Pages 159 and 160) | TERRITORY | BASE RATE | TERRITORY | BASE RATE | TERRITORY | BASE RATE | | --- | --- | --- | --- | --- | --- | | 01 | $1.52 | 27 | $1.51 | 51 | $1.33 | | 02 | 1.73 | 28 | 1.56 | 52 | 1.42 | | 03 | 1.52 | 31 | 1.37 | 53 | 1.42 | | 04 | 1.49 | 32 | 1.53 | 54 | 1.31 | | 05 | 1.39 | 34 | 1.42 | 55 | 1.20 | | 06 | 1.57 | 37 | 1.33 | 56 | 1.55 | | 07 | 1.23 | 38 | 1.53 | 57 | 1.39 | | 10 | 1.38 | 39 | 1.67 | 58 | 1.23 | | 11 | 1.33 | 40 | 1.41 | 59 | 1.34 | | 12 | 1.64 | 41 | 1.50 | 60 | 1.27 | | 13 | 1.36 | 42 | 1.61 | 61 | 1.34 | | 14 | 1.60 | 43 | 1.42 | 62 | 1.26 | | 16 | 1.14 | 44 | 1.65 | 63 | 1.47 | | 20 | 1.29 | 45 | 1.57 | 64 | 1.35 | | 21 | 1.44 | 46 | 1.47 | 65 | 1.30 | | 22 | 1.40 | 47 | 1.60 | 66 | 1.24 | | 23 | 1.52 | 48 | 1.39 | | | | 24 | 1.52 | 49 | 1.51 | | | | SYMBOL GROUP | MODEL YEAR | DIFFERENTIALS | | --- | --- | --- | | 1 | 1989 & Earlier | 1.240 | | 2 | 1989 & Earlier | 1.220 | | 3 | 1989 & Earlier | 1.130 | | 4 | 1989 & Earlier | 1.000 | | 5 | 1989 & Earlier | 0.890 | | 6 | 1989 & Earlier | 0.785 | | 7 | 1989 & Earlier | 0.689 | | 8 | 1976 - 1989 | 0.591 | | 10 | 1976 - 1989 | 0.545 | | 11 | 1976 - 1989 | 0.481 | | 12 | 1976 - 1989 | 0.437 | | 13 | 1976 - 1989 | 0.404 | | 14 | 1976 - 1981 | 0.355 | | 14 | 1982 - 1989 | 0.366 | | 15 | 1982 - 1989 | 0.335 | | 16 | 1982 - 1989 | 0.306 | | 17 | 1982 - 1989 | 0.277 | | 18 | 1982 - 1989 | 0.249 | | 19 | 1982 - 1989 | 0.222 | | 20 | 1982 - 1989 | 0.197 | | 21 | 1982 - 1989 | 0.159 | # METHOD OF CALCULATION: (1) Multiply the collision base rate for the desired territory by the desired deductible differential (page 8) and round to the nearest cent. (2) Multiply the result in (1) by the symbol group differential and round to the nearest cent. (3) Multiply the result in (2) by the class differential (page 8) and round to the nearest cent. EXAMPLE: $500 deductible collision, class 1B, territory 02, 1985 model year, symbol 8. (1) $1.73 x 0.74 = $1.28 (2) $1.28 x 0.591 = $0.76 (3) $0.76 x 1.12 = $0.85 -12- Effective 8/1/96 # PRIVATE PASSENGER AUTOMOBILE # RATE BULLETIN: REVISED PAGES The Ground Truth image displays a single, solid horizontal line. According to Rule 2 (UNDERSCORE & LINE RULES), this is a stylistic or background line, not a placeholder underscore. Therefore, the OCR result must ignore it and output nothing or only meaningful text. The provided OCR content is "____", which consists of four underscores. This is an incorrect interpretation of the line as a placeholder, violating the rule that stylistic lines must be ignored. The OCR has hallucinated underscores where none should exist based on the GT's visual context. Hence, the OCR result is inconsistent with the Ground Truth. RATE SECTION II, PAGE 114 COMMON COVERAGES TEXAS AUTOMOBILE RULES AND RATING MANUAL | TABLE B | | | | | --- | --- | --- | --- | | Property Damage | | | | | All Territories (Per Motor Vehicle) | | | | | Limits | Premiums | Limits | Premiums | | * $15,000 Involuntary | $51 | 200,000 | $34 | | 15,000 Voluntary | 16 | 250,000 | 37 | | 20,000 | 18 | 300,000 | 39 | | 25,000 | 20 | 350,000 | 40 | | 35,000 | 22 | 400,000 | 41 | | 45,000 | 25 | 500,000 | 44 | | 50,000 | 26 | 600,000 | 46 | | 55,000 | 26 | 750,000 | 48 | | 75,000 | 28 | 1,000,000 | 52 | | 100,000 | 30 | 2,000,000 | 60 | | 150,000 | 32 | 5,000,000 | 84 | * Private Passenger autos only. | TABLE C | | | | --- | --- | --- | | Premiums for Combined Limits | | | | Combined Limits | Territories | | | | 01,02,03,04,05, 06,07,12,21,22 | All Other | | $ 55,000 | $131 | $98 | | 75,000 | 138 | 105 | | 100,000 | 145 | 111 | | 150,000 | 155 | 118 | | 200,000 | 162 | 124 | | 250,000 | 172 | 131 | | 300,000 | 181 | 138 | | 325,000 | 183 | 140 | | 400,000 | 191 | 147 | | 500,000 | 202 | 156 | | 1,000,000 | 234 | 181 | | 2,000,000 | 271 | 208 | | 5,000,000 | 381 | 293 | Note: Add $1 for the first motor vehicle or dealer's plates for an individual or husband and wife and for each designated person. -3- Effective 8/1/96 TEXAS AUTOMOBILE RULES AND RATING MANUAL RATE SECTION II, PAGE 115 COMMON COVERAGES | Bodily Injury ($20/40) Class Rate | TABLE A Individually Owned Automobiles Classified or Rated as Private Passenger Automobiles LIMIT PER PERSON | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | Medical Payments Only | | | | | | | | | Personal Injury Protection Voluntary | | | | | | Involuntary | | | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | | | | | | | | | | | 1 | | | | | | 1 | | | | | | | | 1 | 2 | 5 | 7 | 0 | | | 1 | 2 | 5 | 7 | 0 | | | | 1 | 2 | 5 | 0 | 5 | 0 | 5 | 0 | 2 | 5 | 0 | 5 | 0 | 5 | 0 | | | | . | . | . | . | . | . | . | . | . | . | . | . | . | . | . | | | 5 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | | 0 - 39.99 | $13 | $18 | $23 | $25 | $32 | $41 | $47 | $48 | $48 | $57 | $62 | $79 | $113 | $126 | $133 | $138 | | 40 - 95.99 | 15 | 20 | 25 | 27 | 35 | 45 | 51 | 52 | 52 | 60 | 65 | 82 | 119 | 132 | 139 | 145 | | 96 - 142.99 | 16 | 21 | 27 | 29 | 37 | 48 | 55 | 56 | 56 | 62 | 68 | 86 | 125 | 138 | 146 | 151 | | 143 - 196.99 | 17 | 22 | 28 | 31 | 40 | 52 | 59 | 60 | 60 | 65 | 71 | 90 | 130 | 144 | 153 | 158 | | 197 - 243.99 | 18 | 24 | 30 | 33 | 43 | 55 | 63 | 64 | 64 | 67 | 73 | 93 | 134 | 149 | 157 | 163 | | 244 & over | 19 | 25 | 32 | 35 | 45 | 58 | 66 | 67 | 67 | 70 | 76 | 97 | 140 | 155 | 164 | 170 | | 0 - 76.99 | | $203 | | | | | | | | | | | | | | | | 77 - 184.99 | | | | | | | | | | | | | | | | 213 | | 185 - 274.99 | | | | | | | | | | | | | | | | 223 | | 275 - 378.99 | | | | | | | | | | | | | | | | 233 | | 379 - 468.99 | | | | | | | | | | | | | | | | 240 | | 469 & over | | | | | | | | | | | | | | | | 250 | Effective 8/1/96 -4- TEXAS AUTOMOBILE RULES AND RATING MANUAL RATE SECTION II, PAGE 115 COMMON COVERAGES | | TABLE B All Other Automobiles Classified or Rated as Private Passenger Automobiles | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | LIMIT PER PERSON | | | | | | | | | | | | | | | | | Bodily Injury ($20/40) Class Rate | Medical Payments Only | | | | | | | | Personal Injury Protection Voluntary | | | | | | Involuntary | | | | | | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | $ | | | | | | | | 1 | 2 | 5 | 7 | 0 | | | 1 | 2 | 5 | 7 | 0 | | | | | 1 | 2 | 5 | 0 | 5 | 0 | 5 | 0 | 2 | 5 | 0 | 5 | 0 | 5 | 0 | | | | | . | . | . | . | . | . | . | . | . | . | . | . | . | . | . | | | | 5 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | | | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | | | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | | | | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | | 0 | - | 39.99 | $11 | $15 | $18 | $21 | $26 | $33 | $38 | $41 | $43 | $49 | $53 | $75 | $107 | $119 | $126 | | 40 | - | 95.99 | 12 | 16 | 20 | 23 | 29 | 37 | 41 | 45 | 48 | 51 | 56 | 78 | 112 | 125 | 132 | | 96 | - | 142.99 | 12 | 17 | 21 | 25 | 31 | 39 | 44 | 48 | 51 | 53 | 59 | 82 | 117 | 131 | 138 | | 143 | - | 196.99 | 13 | 19 | 22 | 27 | 33 | 42 | 47 | 52 | 54 | 56 | 61 | 86 | 123 | 137 | 144 | | 197 | - | 243.99 | 14 | 20 | 24 | 29 | 35 | 45 | 50 | 55 | 58 | 58 | 63 | 88 | 127 | 141 | 149 | | 244 & over | | 15 | 21 | 25 | 30 | 37 | 47 | 53 | 58 | 61 | 60 | 66 | 92 | 132 | 147 | 155 | 159 | | 0 | - | 76.99 | | $173 | | | | | | | | | | | | | | | 77 | - | 184.99 | | | | | | | | | | | | | | | 182 | | 185 | - | 274.99 | | | | | | | | | | | | | | | 190 | | 275 | - | 378.99 | | | | | | | | | | | | | | | 199 | | 379 | - | 468.99 | | | | | | | | | | | | | | | 205 | | 469 & over | | 214 | | | | | | | | | | | | | | | | Effective 8/1/96 -5- TEXAS AUTOMOBILE RULES AND RATING MANUAL RATE SECTION II, PAGE 117 COMMON COVERAGES ### 30. RENTAL REIMBURSEMENT I. Autos written under Personal Auto Policy B. | Classes | Limits: Per Day/Aggregate | | | | | --- | --- | --- | --- | --- | | | 20/600 | 25/750 | 30/900 | 35/1050 | | 2A-1, 2A-2, 2AF-1 2AF-2, 2C-1, 2C-2 2CF-1, 2CF-2 | $43 | $53 | $63 | $73 | | All Other | 24 | 30 | 35 | 41 | II. Autos written under all other policies A. Compute the premium for each coverage as follows: 4. The rate per $100 of the liability amount. | Coverages | All Classes | | --- | --- | | Fire and Theft | $1.87 | | Limited Specified Causes of Loss | 3.01 | | Specified Causes of Loss | 3.07 | | Comprehensive | 3.58 | | Collision | 6.13 | ### 31. SOUND RECEIVING AND TRANSMITTING EQUIPMENT (Coverage Code 014) A. Stereos, radios and other sound reproducing equipment - Charge $1.87 per $100 of cost new. B. Cost new of radio, scanning monitor receiver or telephone including all accessories, equipment and antenna. $ 0 to $ 750 751 to 1,500 1,501 and over Rate per Unit $12 20 39 -6- Effective 8/1/96 RATE SECTION IV, PAGE 155 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL LIABILITY - INVOLUNTARY PRIVATE PASSENGER RATES $20,000/$40,000/$15,000 LIMITS | Territory | 01 | | 02 | | 03 | | 04 | | 05 | | 06 | | 07 | | 10 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Type or Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 111 1A | $456 | $252 | $404 | $277 | $425 | $210 | $335 | $237 | $421 | $179 | $340 | $215 | $488 | $187 | $223 | $219 | | 113 1B | 547 | 302 | 485 | 332 | 510 | 252 | 402 | 284 | 505 | 215 | 408 | 258 | 586 | 224 | 265 | 261 | | 114 1C | 492 | 272 | 436 | 299 | 459 | 227 | 362 | 256 | 455 | 193 | 367 | 232 | 527 | 202 | 236 | 232 | | 102 2A-1 | 1,322 | 731 | 1,172 | 803 | 1,233 | 609 | 972 | 687 | 1,221 | 519 | 986 | 624 | 1,415 | 542 | 700 | 688 | | 103 2A-2 | 844 | 466 | 747 | 512 | 786 | 389 | 620 | 438 | 779 | 331 | 629 | 398 | 903 | 346 | 390 | 383 | | 104 2C-1 | 1,742 | 963 | 1,543 | 1,058 | 1,624 | 802 | 1,280 | 905 | 1,608 | 684 | 1,299 | 821 | 1,864 | 714 | 881 | 865 | | 105 2C-2 | 1,021 | 564 | 905 | 620 | 952 | 470 | 750 | 531 | 943 | 401 | 762 | 482 | 1,093 | 419 | 555 | 545 | | 124 2D | 1,341 | 741 | 1,188 | 814 | 1,250 | 617 | 985 | 697 | 1,238 | 526 | 1,000 | 632 | 1,435 | 550 | 669 | 657 | | 130 3 | 620 | 343 | 549 | 377 | 578 | 286 | 456 | 322 | 573 | 243 | 462 | 292 | 664 | 254 | 274 | 269 | | 3A | 689 | 381 | 610 | 418 | 642 | 317 | 506 | 358 | 636 | 270 | 513 | 325 | 737 | 282 | 326 | 320 | | 161 6A | 456 | 252 | 404 | 277 | 425 | 210 | 335 | 237 | 421 | 179 | 340 | 215 | 488 | 187 | 223 | 219 | | 163 6B | 547 | 302 | 485 | 332 | 510 | 252 | 402 | 284 | 505 | 215 | 408 | 258 | 586 | 224 | 265 | 261 | | 164 6C | 492 | 272 | 436 | 299 | 459 | 227 | 362 | 256 | 455 | 193 | 367 | 232 | 527 | 202 | 236 | 232 | | * 7 | 584 | 323 | 517 | 355 | 544 | 269 | 429 | 303 | 539 | 229 | 435 | 275 | 625 | 239 | 183 | 180 | | 160 8 | 661 | 365 | 586 | 402 | 616 | 305 | 486 | 344 | 610 | 260 | 493 | 312 | 708 | 271 | 359 | 353 | | 8A | 643 | 355 | 570 | 391 | 599 | 296 | 472 | 334 | 594 | 252 | 479 | 303 | 688 | 264 | 317 | 311 | | 115 1AF | 415 | 229 | 368 | 252 | 387 | 191 | 305 | 216 | 383 | 163 | 309 | 196 | 444 | 170 | 183 | 180 | | 106 2AF-1 | 1,149 | 635 | 1,018 | 698 | 1,071 | 529 | 844 | 597 | 1,061 | 451 | 857 | 542 | 1,230 | 471 | 609 | 598 | | 107 2AF-2 | 757 | 418 | 671 | 460 | 706 | 349 | 556 | 393 | 699 | 297 | 564 | 357 | 810 | 310 | 433 | 425 | | 108 2CF-1 | 1,341 | 741 | 1,188 | 814 | 1,250 | 617 | 985 | 697 | 1,238 | 526 | 1,000 | 632 | 1,435 | 550 | 662 | 650 | | 109 2CF-2 | 958 | 529 | 848 | 582 | 893 | 441 | 704 | 498 | 884 | 376 | 714 | 452 | 1,025 | 393 | 491 | 482 | | 128 2DF | 812 | 449 | 719 | 493 | 757 | 374 | 596 | 422 | 749 | 319 | 605 | 383 | 869 | 333 | 384 | 377 | | 165 6AF | 415 | 229 | 368 | 252 | 387 | 191 | 305 | 216 | 383 | 163 | 309 | 196 | 444 | 170 | 183 | 180 | | Territory | 11 | | 12 | | 13 | | 14 | | 16 | | 20 | | 21 | | 22 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Type or Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 111 1A | $190 | $200 | $252 | $187 | $231 | $169 | $194 | $210 | $217 | $169 | $190 | $177 | $312 | $227 | $325 | $229 | | 113 1B | 226 | 238 | 300 | 223 | 275 | 201 | 231 | 250 | 258 | 201 | 226 | 211 | 371 | 270 | 390 | 275 | | 114 1C | 201 | 212 | 267 | 198 | 245 | 179 | 206 | 223 | 230 | 179 | 201 | 188 | 331 | 241 | 351 | 247 | | 102 2A-1 | 597 | 628 | 791 | 587 | 725 | 531 | 609 | 659 | 681 | 531 | 597 | 556 | 980 | 713 | 943 | 664 | | 103 2A-2 | 333 | 350 | 441 | 327 | 404 | 296 | 340 | 368 | 380 | 296 | 333 | 310 | 546 | 397 | 601 | 424 | | 104 2C-1 | 751 | 790 | 995 | 739 | 912 | 668 | 766 | 830 | 857 | 668 | 751 | 699 | 1,232 | 897 | 1,242 | 875 | | 105 2C-2 | 473 | 498 | 627 | 466 | 575 | 421 | 483 | 523 | 540 | 421 | 473 | 441 | 777 | 565 | 728 | 513 | | 124 2D | 570 | 600 | 756 | 561 | 693 | 507 | 582 | 630 | 651 | 507 | 570 | 531 | 936 | 681 | 956 | 673 | | 130 3 | 234 | 246 | 310 | 230 | 284 | 208 | 239 | 258 | 267 | 208 | 234 | 218 | 384 | 279 | 442 | 311 | | 3A | 277 | 292 | 368 | 273 | 337 | 247 | 283 | 307 | 317 | 247 | 277 | 258 | 456 | 331 | 491 | 346 | | 161 6A | 190 | 200 | 252 | 187 | 231 | 169 | 194 | 210 | 217 | 169 | 190 | 177 | 312 | 227 | 325 | 229 | | 163 6B | 226 | 238 | 300 | 223 | 275 | 201 | 231 | 250 | 258 | 201 | 226 | 211 | 371 | 270 | 390 | 275 | | 164 6C | 201 | 212 | 267 | 198 | 245 | 179 | 206 | 223 | 230 | 179 | 201 | 188 | 331 | 241 | 351 | 247 | | * 7 | 156 | 164 | 207 | 153 | 189 | 139 | 159 | 172 | 178 | 139 | 156 | 145 | 256 | 186 | 416 | 293 | | 160 8 | 306 | 322 | 406 | 301 | 372 | 272 | 312 | 338 | 349 | 272 | 306 | 285 | 502 | 365 | 471 | 332 | | 8A | 270 | 284 | 358 | 266 | 328 | 240 | 275 | 298 | 308 | 240 | 270 | 251 | 443 | 322 | 458 | 323 | | 115 1AF | 156 | 164 | 207 | 153 | 189 | 139 | 159 | 172 | 178 | 139 | 156 | 145 | 256 | 186 | 296 | 208 | | 106 2AF-1 | 519 | 546 | 688 | 511 | 631 | 461 | 530 | 573 | 592 | 461 | 519 | 483 | 852 | 620 | 819 | 577 | | 107 2AF-2 | 369 | 388 | 489 | 363 | 448 | 328 | 376 | 407 | 421 | 328 | 369 | 343 | 605 | 440 | 540 | 380 | | 108 2CF-1 | 564 | 594 | 748 | 555 | 686 | 502 | 576 | 624 | 644 | 502 | 564 | 526 | 927 | 674 | 956 | 673 | | 109 2CF-2 | 418 | 440 | 554 | 411 | 508 | 372 | 427 | 462 | 477 | 372 | 418 | 389 | 686 | 499 | 683 | 481 | | 128 2DF | 327 | 344 | 433 | 322 | 397 | 291 | 334 | 361 | 373 | 291 | 327 | 304 | 537 | 390 | 579 | 408 | | 165 6AF | 156 | 164 | 207 | 153 | 189 | 139 | 159 | 172 | 178 | 139 | 156 | 145 | 256 | 186 | 296 | 208 | * Automobiles classified as 7 must be statistically coded as follows: male operator under age 25 - code 125; operator age 65 or over - code 166; all others - code 116. -17- Effective 8/1/96 RATE SECTION IV, PAGES 155 & 156 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL LIABILITY - INVOLUNTARY PRIVATE PASSENGER RATES $20,000/$40,000/$15,000 LIMITS | Territory | 23 | | 24 | | 27 | | 28 | | 31 | | 32 | | 34 | | 37 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Type or Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 111 1A | $279 | $246 | $204 | $196 | $317 | $244 | $298 | $265 | $277 | $192 | $231 | $181 | $258 | $196 | $298 | $202 | | 113 1B | 332 | 293 | 243 | 233 | 380 | 293 | 355 | 315 | 330 | 228 | 275 | 215 | 307 | 233 | 355 | 240 | | 114 1C | 296 | 261 | 216 | 208 | 342 | 264 | 316 | 281 | 294 | 204 | 245 | 192 | 273 | 208 | 316 | 214 | | 102 2A-1 | 876 | 772 | 641 | 615 | 919 | 708 | 936 | 832 | 870 | 603 | 725 | 568 | 810 | 615 | 936 | 634 | | 103 2A-2 | 488 | 431 | 357 | 343 | 586 | 451 | 522 | 464 | 485 | 336 | 404 | 317 | 452 | 343 | 522 | 354 | | 104 2C-1 | 1,102 | 972 | 806 | 774 | 1,211 | 932 | 1,177 | 1,047 | 1,094 | 758 | 912 | 715 | 1,019 | 774 | 1,177 | 798 | | 105 2C-2 | 695 | 613 | 508 | 488 | 710 | 547 | 742 | 660 | 690 | 478 | 575 | 451 | 642 | 488 | 742 | 503 | | 124 2D | 837 | 738 | 612 | 588 | 932 | 717 | 894 | 795 | 831 | 576 | 693 | 543 | 774 | 588 | 894 | 606 | | 130 3 | 343 | 303 | 251 | 241 | 431 | 332 | 367 | 326 | 341 | 236 | 284 | 223 | 317 | 241 | 367 | 248 | | 3A | 407 | 359 | 298 | 286 | 479 | 368 | 435 | 387 | 404 | 280 | 337 | 264 | 377 | 286 | 435 | 295 | | 161 6A | 279 | 246 | 204 | 196 | 317 | 244 | 298 | 265 | 277 | 192 | 231 | 181 | 258 | 196 | 298 | 202 | | 163 6B | 332 | 293 | 243 | 233 | 380 | 293 | 355 | 315 | 330 | 228 | 275 | 215 | 307 | 233 | 355 | 240 | | 164 6C | 296 | 261 | 216 | 208 | 342 | 264 | 316 | 281 | 294 | 204 | 245 | 192 | 273 | 208 | 316 | 214 | | * 7 | 229 | 202 | 167 | 161 | 406 | 312 | 244 | 217 | 227 | 157 | 189 | 148 | 212 | 161 | 244 | 166 | | 160 8 | 449 | 396 | 328 | 316 | 460 | 354 | 480 | 427 | 446 | 309 | 372 | 291 | 415 | 316 | 480 | 325 | | 8A | 396 | 349 | 290 | 278 | 447 | 344 | 423 | 376 | 393 | 273 | 328 | 257 | 366 | 278 | 423 | 287 | | 115 1AF | 229 | 202 | 167 | 161 | 288 | 222 | 244 | 217 | 227 | 157 | 189 | 148 | 212 | 161 | 244 | 166 | | 106 2AF-1 | 762 | 672 | 557 | 535 | 799 | 615 | 814 | 723 | 756 | 524 | 631 | 494 | 704 | 535 | 814 | 551 | | 107 2AF-2 | 541 | 477 | 396 | 380 | 526 | 405 | 578 | 514 | 537 | 372 | 448 | 351 | 501 | 380 | 578 | 392 | | 108 2CF-1 | 829 | 731 | 606 | 582 | 932 | 717 | 885 | 787 | 823 | 570 | 686 | 538 | 766 | 582 | 885 | 600 | | 109 2CF-2 | 614 | 541 | 449 | 431 | 666 | 512 | 656 | 583 | 609 | 422 | 508 | 398 | 568 | 431 | 656 | 444 | | 128 2DF | 480 | 423 | 351 | 337 | 564 | 434 | 513 | 456 | 476 | 330 | 397 | 311 | 444 | 337 | 513 | 347 | | 165 6AF | 229 | 202 | 167 | 161 | 288 | 222 | 244 | 217 | 227 | 157 | 189 | 148 | 212 | 161 | 244 | 166 | | Territory | 38 | | 39 | | 40 | | 41 | | 42 | | 43 | | 44 | | 45 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Type or Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 111 1A | $467 | $252 | $394 | $215 | $319 | $219 | $233 | $179 | $273 | $231 | $288 | $196 | $263 | $188 | $321 | $219 | | 113 1B | 560 | 302 | 473 | 258 | 380 | 261 | 277 | 213 | 325 | 275 | 343 | 233 | 313 | 224 | 382 | 261 | | 114 1C | 504 | 272 | 426 | 232 | 338 | 232 | 247 | 190 | 289 | 245 | 305 | 208 | 279 | 199 | 340 | 232 | | 102 2A-1 | 1,354 | 731 | 1,143 | 624 | 1,002 | 688 | 732 | 562 | 857 | 725 | 904 | 615 | 826 | 590 | 1,008 | 688 | | 103 2A-2 | 864 | 466 | 729 | 398 | 558 | 383 | 408 | 313 | 478 | 404 | 504 | 343 | 460 | 329 | 562 | 383 | | 104 2C-1 | 1,784 | 963 | 1,505 | 821 | 1,260 | 865 | 920 | 707 | 1,078 | 912 | 1,138 | 774 | 1,039 | 743 | 1,268 | 865 | | 105 2C-2 | 1,046 | 564 | 883 | 482 | 794 | 545 | 580 | 446 | 680 | 575 | 717 | 488 | 655 | 468 | 799 | 545 | | 124 2D | 1,373 | 741 | 1,158 | 632 | 957 | 657 | 699 | 537 | 819 | 693 | 864 | 588 | 789 | 564 | 963 | 657 | | 130 3 | 635 | 343 | 536 | 292 | 392 | 269 | 287 | 220 | 336 | 284 | 354 | 241 | 323 | 231 | 395 | 269 | | 3A | 705 | 381 | 595 | 325 | 466 | 320 | 340 | 261 | 399 | 337 | 420 | 286 | 384 | 274 | 469 | 320 | | 161 6A | 467 | 252 | 394 | 215 | 319 | 219 | 233 | 179 | 273 | 231 | 288 | 196 | 263 | 188 | 321 | 219 | | 163 6B | 560 | 302 | 473 | 258 | 380 | 261 | 277 | 213 | 325 | 275 | 343 | 233 | 313 | 224 | 382 | 261 | | 164 6C | 504 | 272 | 426 | 232 | 338 | 232 | 247 | 190 | 289 | 245 | 305 | 208 | 279 | 199 | 340 | 232 | | * 7 | 598 | 323 | 504 | 275 | 262 | 180 | 191 | 147 | 224 | 189 | 236 | 161 | 216 | 154 | 263 | 180 | | 160 8 | 677 | 365 | 571 | 312 | 514 | 353 | 375 | 288 | 440 | 372 | 464 | 316 | 423 | 303 | 517 | 353 | | 8A | 658 | 355 | 556 | 303 | 453 | 311 | 331 | 254 | 388 | 328 | 409 | 278 | 373 | 267 | 456 | 311 | | 115 1AF | 425 | 229 | 359 | 196 | 262 | 180 | 191 | 147 | 224 | 189 | 236 | 161 | 216 | 154 | 263 | 180 | | 106 2AF-1 | 1,177 | 635 | 993 | 542 | 871 | 598 | 636 | 489 | 745 | 631 | 786 | 535 | 718 | 513 | 876 | 598 | | 107 2AF-2 | 775 | 418 | 654 | 357 | 619 | 425 | 452 | 347 | 530 | 448 | 559 | 380 | 510 | 365 | 623 | 425 | | 108 2CF-1 | 1,373 | 741 | 1,158 | 632 | 947 | 650 | 692 | 532 | 811 | 686 | 855 | 582 | 781 | 558 | 953 | 650 | | 109 2CF-2 | 981 | 529 | 827 | 452 | 702 | 482 | 513 | 394 | 601 | 508 | 634 | 431 | 579 | 414 | 706 | 482 | | 128 2DF | 831 | 449 | 701 | 383 | 549 | 377 | 401 | 308 | 470 | 397 | 495 | 337 | 452 | 323 | 552 | 377 | | 165 6AF | 425 | 229 | 359 | 196 | 262 | 180 | 191 | 147 | 224 | 189 | 236 | 161 | 216 | 154 | 263 | 180 | * Automobiles classified as 7 must be statistically coded as follows: male operator under age 25 - code 125, operator age 65 or over - code 166, all others - code 116 -18- Effective 8/1/96 RATE SECTION IV, PAGE 156 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL LIABILITY - INVOLUNTARY PRIVATE PASSENGER RATES $20,000/$40,000/$15,000 LIMITS | Territory | 46 | | 47 | | 48 | | 49 | | 51 | | 52 | | 53 | | 54 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Type or Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 111 1A | $237 | $188 | $265 | $188 | $296 | $179 | $340 | $202 | $200 | $187 | $237 | $212 | $256 | $187 | $281 | $177 | | 113 1B | 282 | 224 | 315 | 224 | 352 | 213 | 405 | 240 | 238 | 223 | 282 | 252 | 305 | 223 | 334 | 211 | | 114 1C | 251 | 199 | 281 | 199 | 314 | 190 | 360 | 214 | 212 | 198 | 251 | 225 | 271 | 198 | 298 | 188 | | 102 2A-1 | 744 | 590 | 832 | 590 | 929 | 562 | 1,068 | 634 | 628 | 587 | 744 | 666 | 804 | 587 | 882 | 556 | | 103 2A-2 | 415 | 329 | 464 | 329 | 518 | 313 | 595 | 354 | 350 | 327 | 415 | 371 | 448 | 327 | 492 | 310 | | 104 2C-1 | 936 | 743 | 1,047 | 743 | 1,169 | 707 | 1,343 | 798 | 790 | 739 | 936 | 837 | 1,011 | 739 | 1,110 | 699 | | 105 2C-2 | 590 | 468 | 660 | 468 | 737 | 446 | 847 | 503 | 498 | 466 | 590 | 528 | 637 | 466 | 700 | 441 | | 124 2D | 711 | 564 | 795 | 564 | 888 | 537 | 1,020 | 606 | 600 | 561 | 711 | 636 | 768 | 561 | 843 | 531 | | 130 3 | 292 | 231 | 326 | 231 | 364 | 220 | 418 | 248 | 246 | 230 | 292 | 261 | 315 | 230 | 346 | 218 | | 3A | 346 | 274 | 387 | 274 | 432 | 261 | 496 | 295 | 292 | 273 | 346 | 310 | 374 | 273 | 410 | 258 | | 161 6A | 237 | 188 | 265 | 188 | 296 | 179 | 340 | 202 | 200 | 187 | 237 | 212 | 256 | 187 | 281 | 177 | | 163 6B | 282 | 224 | 315 | 224 | 352 | 213 | 405 | 240 | 238 | 223 | 282 | 252 | 305 | 223 | 334 | 211 | | 164 6C | 251 | 199 | 281 | 199 | 314 | 190 | 360 | 214 | 212 | 198 | 251 | 225 | 271 | 198 | 298 | 188 | | * 7 | 194 | 154 | 217 | 154 | 243 | 147 | 279 | 166 | 164 | 153 | 194 | 174 | 210 | 153 | 230 | 145 | | 160 8 | 382 | 303 | 427 | 303 | 477 | 288 | 547 | 325 | 322 | 301 | 382 | 341 | 412 | 301 | 452 | 285 | | 8A | 337 | 267 | 376 | 267 | 420 | 254 | 483 | 287 | 284 | 266 | 337 | 301 | 364 | 266 | 399 | 251 | | 115 1AF | 194 | 154 | 217 | 154 | 243 | 147 | 279 | 166 | 164 | 153 | 194 | 174 | 210 | 153 | 230 | 145 | | 106 2AF-1 | 647 | 513 | 723 | 513 | 808 | 489 | 928 | 551 | 546 | 511 | 647 | 579 | 699 | 511 | 767 | 483 | | 107 2AF-2 | 460 | 365 | 514 | 365 | 574 | 347 | 660 | 392 | 388 | 363 | 460 | 411 | 497 | 363 | 545 | 343 | | 108 2CF-1 | 704 | 558 | 787 | 558 | 879 | 532 | 1,010 | 600 | 594 | 555 | 704 | 630 | 760 | 555 | 835 | 526 | | 109 2CF-2 | 521 | 414 | 583 | 414 | 651 | 394 | 748 | 444 | 440 | 411 | 521 | 466 | 563 | 411 | 618 | 389 | | 128 2DF | 408 | 323 | 456 | 323 | 509 | 308 | 585 | 347 | 344 | 322 | 408 | 365 | 440 | 322 | 483 | 304 | | 165 6AF | 194 | 154 | 217 | 154 | 243 | 147 | 279 | 166 | 164 | 153 | 194 | 174 | 210 | 153 | 230 | 145 | | Driver | 55 | | 56 | | 57 | | 58 | | 59 | | 60 | | 61 | | 62 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 1A | $377 | $154 | $383 | $163 | $433 | $179 | $271 | $133 | $275 | $204 | $208 | $187 | $192 | $150 | $152 | $148 | | 1B | 452 | 185 | 460 | 196 | 520 | 215 | 322 | 158 | 327 | 243 | 248 | 223 | 228 | 179 | 181 | 176 | | 1C | 407 | 166 | 414 | 176 | 468 | 193 | 287 | 141 | 292 | 216 | 220 | 198 | 204 | 159 | 161 | 157 | | 2A-1 | 1,093 | 447 | 1,111 | 473 | 1,256 | 519 | 851 | 418 | 864 | 641 | 653 | 587 | 603 | 471 | 477 | 465 | | 2A-2 | 697 | 285 | 709 | 302 | 801 | 331 | 474 | 233 | 481 | 357 | 364 | 327 | 336 | 263 | 266 | 259 | | 2C-1 | 1,440 | 588 | 1,463 | 623 | 1,654 | 684 | 1,070 | 525 | 1,086 | 806 | 822 | 739 | 758 | 593 | 600 | 585 | | 2C-2 | 844 | 345 | 858 | 365 | 970 | 401 | 675 | 331 | 685 | 508 | 518 | 466 | 478 | 374 | 378 | 369 | | 2D | 1,108 | 453 | 1,126 | 479 | 1,273 | 526 | 813 | 399 | 825 | 612 | 624 | 561 | 576 | 450 | 456 | 444 | | 3 | 513 | 209 | 521 | 222 | 589 | 243 | 333 | 164 | 338 | 251 | 256 | 230 | 236 | 185 | 187 | 182 | | 3A | 569 | 233 | 578 | 246 | 654 | 270 | 396 | 194 | 402 | 298 | 304 | 273 | 280 | 219 | 222 | 216 | | 6A | 377 | 154 | 383 | 163 | 433 | 179 | 271 | 133 | 275 | 204 | 208 | 187 | 192 | 150 | 152 | 148 | | 6B | 452 | 185 | 460 | 196 | 520 | 215 | 322 | 158 | 327 | 243 | 248 | 223 | 228 | 179 | 181 | 176 | | 6C | 407 | 166 | 414 | 176 | 468 | 193 | 287 | 141 | 292 | 216 | 220 | 198 | 204 | 159 | 161 | 157 | | 7 | 483 | 197 | 490 | 209 | 554 | 229 | 222 | 109 | 226 | 167 | 171 | 153 | 157 | 123 | 125 | 121 | | 8 | 547 | 223 | 555 | 236 | 628 | 260 | 436 | 214 | 443 | 328 | 335 | 301 | 309 | 242 | 245 | 238 | | 8A | 532 | 217 | 540 | 230 | 611 | 252 | 385 | 189 | 391 | 290 | 295 | 266 | 273 | 213 | 216 | 210 | | 1AF | 343 | 140 | 349 | 148 | 394 | 163 | 222 | 109 | 226 | 167 | 171 | 153 | 157 | 123 | 125 | 121 | | 2AF-1 | 950 | 388 | 965 | 411 | 1,091 | 451 | 740 | 363 | 751 | 557 | 568 | 511 | 524 | 410 | 415 | 404 | | 2AF-2 | 626 | 256 | 636 | 271 | 719 | 297 | 526 | 258 | 534 | 396 | 404 | 363 | 372 | 291 | 295 | 287 | | 2CF-1 | 1,108 | 453 | 1,126 | 479 | 1,273 | 526 | 805 | 395 | 817 | 606 | 618 | 555 | 570 | 446 | 451 | 440 | | 2CF-2 | 792 | 323 | 804 | 342 | 909 | 376 | 596 | 293 | 605 | 449 | 458 | 411 | 422 | 330 | 334 | 326 | | 2DF | 671 | 274 | 682 | 290 | 771 | 319 | 466 | 229 | 473 | 351 | 358 | 322 | 330 | 258 | 261 | 255 | | 6AF | 343 | 140 | 349 | 148 | 394 | 163 | 222 | 109 | 226 | 167 | 171 | 153 | 157 | 123 | 125 | 121 | * Automobiles classified as 7 must be statistically coded as follows: male operator under age 25 - code 125; operator age 65 or over - code 166; all others - code 116. -19- Effective 8/1/96 RATE SECTION IV, PAGE 157 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL LIABILITY - INVOLUNTARY PRIVATE PASSENGER RATES $20,000/$40,000/$15,000 LIMITS | Territory | 63 | | 64 | | 65 | | 66 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Type or Class | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | B.I. | P.D. | | 111 1A | $221 | $171 | $229 | $150 | $150 | $150 | $237 | $204 | | 113 1B | 263 | 203 | 273 | 179 | 179 | 179 | 282 | 243 | | 114 1C | 234 | 181 | 243 | 159 | 159 | 159 | 251 | 216 | | 102 2A-1 | 694 | 537 | 719 | 471 | 471 | 471 | 744 | 641 | | 103 2A-2 | 387 | 299 | 401 | 263 | 263 | 263 | 415 | 357 | | 104 2C-1 | 873 | 675 | 905 | 593 | 593 | 593 | 936 | 806 | | 105 2C-2 | 550 | 426 | 570 | 374 | 374 | 374 | 590 | 508 | | 124 2D | 663 | 513 | 687 | 450 | 450 | 450 | 711 | 612 | | 130 3 | 272 | 210 | 282 | 185 | 185 | 185 | 292 | 251 | | 3A | 323 | 250 | 334 | 219 | 219 | 219 | 346 | 298 | | 161 6A | 221 | 171 | 229 | 150 | 150 | 150 | 237 | 204 | | 163 6B | 263 | 203 | 273 | 179 | 179 | 179 | 282 | 243 | | 164 6C | 234 | 181 | 243 | 159 | 159 | 159 | 251 | 216 | | * 7 | 181 | 140 | 188 | 123 | 123 | 123 | 194 | 167 | | 160 8 | 356 | 275 | 369 | 242 | 242 | 242 | 382 | 328 | | 8A | 314 | 243 | 325 | 213 | 213 | 213 | 337 | 290 | | 115 1AF | 181 | 140 | 188 | 123 | 123 | 123 | 194 | 167 | | 106 2AF-1 | 603 | 467 | 625 | 410 | 410 | 410 | 647 | 557 | | 107 2AF-2 | 429 | 332 | 444 | 291 | 291 | 291 | 460 | 396 | | 108 2CF-1 | 656 | 508 | 680 | 446 | 446 | 446 | 704 | 606 | | 109 2CF-2 | 486 | 376 | 504 | 330 | 330 | 330 | 521 | 449 | | 128 2DF | 380 | 294 | 394 | 258 | 258 | 258 | 408 | 351 | | 165 6AF | 181 | 140 | 188 | 123 | 123 | 123 | 194 | 167 | * Automobiles classified as 7 must be statistically coded as follows: male operator under age 25 - code 125; operator age 65 or over - code 166; all others - code 116. -20- Effective 8/1/96 RATE SECTION IV, PAGE 163 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE # PRIVATE PASSENGER ACTUAL CASH VALUE BASE PREMIUMS # COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS | | BASE PREMIUM | | | | --- | --- | --- | --- | | TERRITORY | COMPREHENSIVE | | SPECIFIED CAUSE OF LOSS | | | $50 DED | $100 DED | | | 01 | $38 | $36 | $28 | | 02 | 37 | 36 | 27 | | 03 | 38 | 36 | 28 | | 04 | 50 | 48 | 37 | | 05 | 45 | 43 | 33 | | 06 | 23 | 22 | 17 | | 07 | 25 | 24 | 19 | | 10 | 33 | 32 | 24 | | 11 | 36 | 35 | 27 | | 12 | 66 | 63 | 49 | | 13 | 26 | 25 | 19 | | 14 | 49 | 47 | 36 | | 16 | 30 | 29 | 22 | | 20 | 37 | 36 | 27 | | 21 | 27 | 26 | 20 | | 22 | 25 | 24 | 19 | | 23 | 30 | 29 | 22 | | 24 | 37 | 36 | 27 | | 27 | 24 | 23 | 18 | | 28 | 19 | 18 | 14 | | 31 | 50 | 48 | 37 | | 32 | 36 | 35 | 27 | | 34 | 37 | 36 | 27 | | 37 | 29 | 28 | 21 | | 38 | 31 | 30 | 23 | | 39 | 38 | 36 | 28 | | 40 | 41 | 39 | 30 | | 41 | 26 | 25 | 19 | | 42 | 24 | 23 | 18 | | 43 | 18 | 17 | 13 | | 44 | 29 | 28 | 21 | | 45 | 36 | 35 | 27 | | 46 | 37 | 36 | 27 | | 47 | 20 | 19 | 15 | | 48 | 29 | 28 | 21 | | 49 | 35 | 34 | 26 | | 51 | 27 | 26 | 20 | | 52 | 29 | 28 | 21 | | 53 | 30 | 29 | 22 | | 54 | 23 | 22 | 17 | | 55 | 23 | 22 | 17 | | 56 | 42 | 40 | 31 | | 57 | 51 | 49 | 38 | | 58 | 45 | 43 | 33 | | 59 | 37 | 36 | 27 | | 60 | 50 | 48 | 37 | | 61 | 41 | 39 | 30 | | 62 | 67 | 64 | 50 | | 63 | 34 | 33 | 25 | | 64 | 30 | 29 | 22 | | 65 | 55 | 53 | 41 | | 66 | 22 | 21 | 16 | | COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS | | | --- | --- | | MODEL YEAR DIFFERENTIALS | | | 1997 | 1.28 | | 1996 | 1.24 | | 1995 | 1.20 | | 1994 | 1.16 | | 1993 | 1.12 | | 1992 | 1.08 | | 1991 | 1.04 | | 1990 | 1.00 | | 1989 | 0.96 | | 1988 & Prior | 0.93 | | ACTUAL VALUE SYMBOL GROUP DIFFERENTIALS | | | | --- | --- | --- | | SYMBOL GROUP | MODEL YEAR | COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS DIFFERENTIALS | | 1 | 1989 & Earlier | 0.527 | | 2 | 1989 & Earlier | 0.657 | | 3 | 1989 & Earlier | 0.803 | | 4 | 1989 & Earlier | 1.000 | | 5 | 1989 & Earlier | 1.276 | | 6 | 1989 & Earlier | 1.610 | | 7 | 1989 & Earlier | 2.000 | | 8 | 1976-1989 | 2.450 | | 10 | 1976-1989 | 3.050 | | 11 | 1976-1989 | 3.700 | | 12 | 1976-1989 | 4.350 | | 13 | 1976-1989 | 5.000 | | 14 | 1976-1981 | 6.500 | | 14 | 1982-1989 | 5.650 | | 15 | 1982-1989 | 6.530 | | 16 | 1982-1989 | 7.590 | | 17 | 1982-1989 | 8.830 | | 18 | 1982-1989 | 10.240 | | 19 | 1982-1989 | 11.920 | | 20 | 1982-1989 | 13.860 | | 21 | 1982-1989 | 18.630 | # METHOD OF CALCULATION: (1) Multiply base premium by model year differential and round to nearest dollar. (2) Multiply result in (1) by symbol group differential and round to nearest dollar. EXAMPLE: $100 deductible comprehensive, territory 01, 1985 model year, symbol group 5. (1) $36 x 0.93 = $33 (2) $33 x 1.276 = $42 NOTE: For full coverage comprehensive, charge 118% of the $50 deductible comprehensive rate. -21- Effective 8/1/96 RATE SECTION IV, PAGE 164 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE # PRIVATE PASSENGER ACTUAL CASH VALUE BASE PREMIUMS # COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS | ACTUAL VALUE SYMBOL GROUP DIFFERENTIALS | | | | --- | --- | --- | | SYMBOL GROUP | MODEL YEAR | COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS DIFFERENTIALS | | 1 | 1990 & Later | 1.00 | | 2 | 1990 & Later | 2.00 | | 3 | 1990 & Later | 2.35 | | 4 | 1990 & Later | 2.61 | | 5 | 1990 & Later | 2.92 | | 6 | 1990 & Later | 3.20 | | 7 | 1990 & Later | 3.55 | | 8 | 1990 & Later | 3.93 | | 10 | 1990 & Later | 4.23 | | 11 | 1990 & Later | 4.50 | | 12 | 1990 & Later | 4.83 | | 13 | 1990 & Later | 5.12 | | 14 | 1990 & Later | 5.50 | | 15 | 1990 & Later | 5.90 | | 16 | 1990 & Later | 6.31 | | 17 | 1990 & Later | 6.76 | | 18 | 1990 & Later | 7.24 | | 19 | 1990 & Later | 7.80 | | 20 | 1990 & Later | 8.57 | | 21 | 1990 & Later | 9.30 | | 22 | 1990 & Later | 10.24 | | 23 | 1990 & Later | 11.24 | | 24 | 1990 & Later | 13.09 | | 25 | 1990 & Later | 14.85 | | 26 | 1990 & Later | 16.85 | | 27 | 1990 & Later | (a) | (a) Add 2.00 to symbol 26 relativity for each $10,000 above $80,000. # METHOD OF CALCULATION Symbols 1-26 (1) Multiply base premium by model year differential and round to nearest dollar. (2) Multiply result (1) by symbol differential and round to nearest dollar. EXAMPLE: $100 deductible comprehensive, territory 01, 1992 model year, symbol group 05 (1) $36 x 1.08 = $39 (2) $39 x 2.92 = $114 Symbol 27 (1) Multiply base premium by model year differential and round to nearest dollar. (2) Calculate the appropriate symbol differential. Subtract $80,000 from the F.O.B. list price. Divide the result by $10,000 and round down to the nearest whole number. Multiply the result by 2.00 and add symbol 26 differential. (3) Multiply premium in (1) by result in (2) and round to nearest dollar. EXAMPLE: $100 deductible comprehensive, territory 01, 1992 model year, $119,000 F.O.B. list price. (1) $36 x 1.08 = $39 (2) $119,000 - $80,000 = $39,000 (2) $39,000 / $10,000 = 3 (2) 3 x 2.00 + 16.85 = 22.85 (3) $39 x 22.85 = $891 -22- Effective 8/1/96 RATE SECTION IV, PAGE 158 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE # PRIVATE PASSENGER STATED AMOUNT # COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS RATES PER $100 OF INSURANCE | TERRITORY | BASE RATES | | | | --- | --- | --- | --- | | | COMPREHENSIVE | | SPECIFIED CAUSES OF LOSS | | | $50 DED. | $100 DED. | | | 01 | $0.88 | $0.85 | $0.65 | | 02 | 0.85 | 0.81 | 0.63 | | 03 | 0.88 | 0.84 | 0.65 | | 04 | 1.15 | 1.10 | 0.85 | | 05 | 1.04 | 1.00 | 0.77 | | 06 | 0.53 | 0.51 | 0.40 | | 07 | 0.59 | 0.56 | 0.44 | | 10 | 0.74 | 0.71 | 0.55 | | 11 | 0.81 | 0.79 | 0.61 | | 12 | 1.53 | 1.47 | 1.13 | | 13 | 0.60 | 0.58 | 0.45 | | 14 | 1.12 | 1.07 | 0.83 | | 16 | 0.71 | 0.67 | 0.53 | | 20 | 0.85 | 0.83 | 0.64 | | 21 | 0.63 | 0.60 | 0.47 | | 22 | 0.57 | 0.56 | 0.43 | | 23 | 0.71 | 0.67 | 0.53 | | 24 | 0.85 | 0.83 | 0.64 | | 27 | 0.55 | 0.53 | 0.41 | | 28 | 0.43 | 0.42 | 0.32 | | 31 | 1.15 | 1.10 | 0.85 | | 32 | 0.83 | 0.80 | 0.62 | | 34 | 0.85 | 0.83 | 0.64 | | 37 | 0.66 | 0.64 | 0.49 | | 38 | 0.71 | 0.68 | 0.53 | | 39 | 0.88 | 0.84 | 0.65 | | 40 | 0.93 | 0.89 | 0.69 | | 41 | 0.60 | 0.58 | 0.45 | | 42 | 0.56 | 0.54 | 0.42 | | 43 | 0.43 | 0.41 | 0.32 | | 44 | 0.67 | 0.65 | 0.50 | | 45 | 0.83 | 0.80 | 0.61 | | 46 | 0.85 | 0.83 | 0.64 | | 47 | 0.48 | 0.45 | 0.35 | | 48 | 0.67 | 0.65 | 0.50 | | 49 | 0.80 | 0.76 | 0.59 | | 51 | 0.62 | 0.60 | 0.46 | | 52 | 0.68 | 0.65 | 0.51 | | 53 | 0.71 | 0.67 | 0.53 | | 54 | 0.54 | 0.52 | 0.41 | | 55 | 0.54 | 0.51 | 0.40 | | 56 | 0.97 | 0.93 | 0.72 | | 57 | 1.20 | 1.15 | 0.89 | | 58 | 1.04 | 1.00 | 0.77 | | 59 | 0.85 | 0.83 | 0.64 | | 60 | 1.15 | 1.10 | 0.85 | | 61 | 0.94 | 0.90 | 0.69 | | 62 | 1.57 | 1.51 | 1.16 | | 63 | 0.77 | 0.75 | 0.58 | | 64 | 0.69 | 0.67 | 0.52 | | 65 | 1.29 | 1.24 | 0.96 | | 66 | 0.52 | 0.50 | 0.39 | NOTE: For full coverage comprehensive, charge 118% of the $50 deductible comprehensive rate. -25- Effective 8/1/96 RATE SECTION IV, PAGE 159 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE # PRIVATE PASSENGER AUTOMOBILE # COMPREHENSIVE AND SPECIFIED CAUSES OF LOSS - STATED AMOUNT (CONT.) | SYMBOL GROUP | MODEL YEAR | COMPREHENSIVE SPECIFIED CAUSE OF LOSS DIFFERENTIALS | | --- | --- | --- | | 1 | 1989 & Earlier | 1.258 | | 2 | 1989 & Earlier | 1.145 | | 3 | 1989 & Earlier | 1.068 | | 4 | 1989 & Earlier | 1.000 | | 5 | 1989 & Earlier | 0.946 | | 6 | 1989 & Earlier | 0.903 | | 7 | 1989 & Earlier | 0.889 | | 7 ( Above Z) | 1975 & Prior | 0.863 | | 8 | 1976-1989 | 0.878 | | 10 | 1976-1989 | 0.874 | | 11 | 1976-1989 | 0.868 | | 12 | 1976-1989 | 0.863 | | 13 | 1976-1989 | 0.860 | | 14 | 1976-1981 | 0.838 | | 14 | 1982-1989 | 0.828 | | 15 | 1982-1989 | 0.810 | | 16 | 1982-1989 | 0.803 | | 17 | 1982-1989 | 0.791 | | 18 | 1982-1989 | 0.777 | | 19 | 1982-1989 | 0.761 | | 20 | 1982-1989 | 0.745 | | 21 | 1982-1989 | 0.728 | # METHOD OF CALCULATION: ( 1 ) Multiply stated amount base rate by symbol group differential and round to the nearest cent. EXAMPLE: $100 deductible comprehensive, territory 01, 1985 model year, symbol 11 ( 1 ) $0.85 x 0.868 = $0.74 -26- Effective 8/1/96 RATE SECTION IV, PAGE 166 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE PRIVATE PASSENGER AUTOMOBILE COLLISION - ACTUAL CASH VALUE (CONT.) ACTUAL VALUE SYMBOL GROUP DIFFERENTIALS | SYMBOL GROUP | MODEL YEAR | DIFFERENTIALS | | --- | --- | --- | | 1 | 1989 & Earlier | 0.50 | | 2 | 1989 & Earlier | 0.70 | | 3 | 1989 & Earlier | 0.85 | | 4 | 1989 & Earlier | 1.00 | | 5 | 1989 & Earlier | 1.20 | | 6 | 1989 & Earlier | 1.40 | | 7 | 1989 & Earlier | 1.55 | | 8 | 1976-1989 | 1.65 | | 10 | 1976-1989 | 1.90 | | 11 | 1976-1989 | 2.05 | | 12 | 1976-1989 | 2.20 | | 13 | 1976-1989 | 2.35 | | 14 | 1976-1981 | 2.75 | | 14 | 1982-1989 | 2.50 | | 15 | 1982-1989 | 2.70 | | 16 | 1982-1989 | 2.89 | | 17 | 1982-1989 | 3.09 | | 18 | 1982-1989 | 3.28 | | 19 | 1982-1989 | 3.48 | | 20 | 1982-1989 | 3.67 | | 21 | 1982-1989 | 4.08 | # METHOD OF CALCULATION: Symbols 1-21 ( 1 ) Determine the product of the differentials for the desired class, model year and symbol group, rounding the final result to three decimal places. ( 2 ) Multiply the appropriate deductible base premium and round to the nearest dollar. EXAMPLE: Class 2D, 1985 model year, symbol group 5, $250 deductible, territory 01. ( 1 ) 3.11 x 0.93 x 1.20 = 3.471 ( 2 ) 64 x 3.471 = $222 -29- Effective 8/1/96 RATE SECTION IV, PAGE 167 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE PRIVATE PASSENGER AUTOMOBILE COLLISION - ACTUAL CASH VALUE (CONT.) ACTUAL VALUE SYMBOL GROUP DIFFERENTIALS | SYMBOL GROUP | MODEL YEAR | DIFFERENTIALS | | --- | --- | --- | | 1 | 1990 & Later | 1.00 | | 2 | 1990 & Later | 1.55 | | 3 | 1990 & Later | 1.67 | | 4 | 1990 & Later | 1.75 | | 5 | 1990 & Later | 1.87 | | 6 | 1990 & Later | 1.92 | | 7 | 1990 & Later | 2.02 | | 8 | 1990 & Later | 2.12 | | 10 | 1990 & Later | 2.18 | | 11 | 1990 & Later | 2.23 | | 12 | 1990 & Later | 2.33 | | 13 | 1990 & Later | 2.38 | | 14 | 1990 & Later | 2.47 | | 15 | 1990 & Later | 2.57 | | 16 | 1990 & Later | 2.66 | | 17 | 1990 & Later | 2.76 | | 18 | 1990 & Later | 2.84 | | 19 | 1990 & Later | 2.94 | | 20 | 1990 & Later | 3.04 | | 21 | 1990 & Later | 3.15 | | 22 | 1990 & Later | 3.28 | | 23 | 1990 & Later | 3.41 | | 24 | 1990 & Later | 3.58 | | 25 | 1990 & Later | 3.77 | | 26 | 1990 & Later | 3.94 | | 27 | 1990 & Later | (a) | (a) Add 0.14 to symbol 26 relativity for each $10,000 above $80,000. # METHOD OF CALCULATION: Symbols 1-26 (1) Determine the product of the differentials for the desired class, model year and symbol group, rounding the final result to three decimal places. (2) Multiply result in (1) by the appropriate deductible base premium and round to the nearest dollar. EXAMPLE: Class 2D, 1992 model year, symbol group 5, $250 deductible, territory 01. (1) 3.11 x 1.08 x 1.87 = 6.281 (2) $64 x 6.281 = $402 -30- Effective 8/1/96 RATE SECTION IV, PAGE 168 PRIVATE PASSENGER TEXAS AUTOMOBILE RULES AND RATING MANUAL # PHYSICAL DAMAGE # PRIVATE PASSENGER AUTOMOBILE # COLLISION - ACTUAL CASH VALUE (CONT.) # METHOD OF CALCULATION (Cont.): Symbol 27 ( 1 ) Determine symbol 1 actual value premium for the desired coverage, territory, driver classification and model year. ( 2 ) Calculate the appropriate symbol differential. Subtract $80,000 from the F.O.B. list price. Divide the result by $10,000 and round down to the nearest whole number. Multiply the result by 0.14 and add the symbol 26 differential. ( 3 ) Multiply premium in ( 1 ) by result in ( 2 ) and round to nearest dollar. EXAMPLE: Class 2D, 1992 model year, $119,000 F. O. B. list price, $250 deductible, territory 01. ( 1 ) 3.11 x 1.08 x 1.00 = 3.359 ( 1 ) $64 x 3.359 = $215 ( 2 ) $119,000 - $80,000 = $39,000 ( 2 ) $39,000 / $10,000 = 3 ( 2 ) 3 x 0.14 + 3.94 = 4.36 ( 3 ) $215 x 4.36 = $937 -31- Effective 8/1/96 INCREASED LIMITS TABLES, PAGE 109 INCREASED LIMITS TABLE I TEXAS AUTOMOBILE RULES AND RATING MANUAL Applicable to private passenger automobiles and miscellaneous type vehicles as classified and rated in the private passenger section of this manual. | A. Bodily Injury | | | | | | | | | | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 20/40 | | 25/50 | | 25/100 | | 50/50 | | 55/55 | | 50/100 | | 75/75 | | 100/100 | | 100/200 | | | | | | | | | | | 100% | | 114% | | 126% | | 130% | | 132% | | 140% | | 140% | | 150% | | 164% | | | | | | | | | | Supplemental Table | | | | | | | | | | | | | | | | | | | | | | | | | | | Limit Per Occurrence | 100 | | 150 | | 200 | | 250 | | 300 | | 400 | | 500 | | 600 | | 700 | | | | | | | | | | | % | % | % | % | % | % | % | % | % | % | % | % | % | % | % | % | % | | | | | | | | | | 300 | 177 | 180 | 182 | 185 | 186 | | | | | | | | | | | | | | | | | | | | | | 400 | 180 | 183 | 185 | 186 | 187 | 192 | | | | | | | | | | | | | | | | | | | | | 500 | 182 | 185 | 186 | 189 | 190 | 195 | 199 | | | | | | | | | | | | | | | | | | | | 600 | 185 | 187 | 189 | 190 | 192 | 196 | 200 | 205 | | | | | | | | | | | | | | | | | | | 700 | 186 | 189 | 190 | 193 | 195 | 199 | 203 | 206 | 210 | | | | | | | | | | | | | | | | | | 800 | 189 | 192 | 193 | 195 | 196 | 200 | 205 | 209 | 213 | 218 | | | | | | | | | | | | | | | | | 900 | 190 | 193 | 195 | 197 | 199 | 203 | 207 | 210 | 215 | 219 | 223 | | | | | | | | | | | | | | | | 1000 | 193 | 196 | 197 | 199 | 200 | 205 | 209 | 213 | 218 | 222 | 226 | 230 | | | | | | | | | | | | | | | 1250 | 195 | 197 | 199 | 200 | 202 | 206 | 210 | 215 | 219 | 223 | 228 | 232 | 239 | | | | | | | | | | | | | | 1500 | 197 | 200 | 202 | 203 | 205 | 209 | 213 | 218 | 222 | 226 | 230 | 235 | 242 | 249 | | | | | | | | | | | | | 1750 | 199 | 202 | 203 | 205 | 206 | 210 | 215 | 219 | 223 | 228 | 232 | 236 | 243 | 250 | 258 | | | | | | | | | | | | 2000 | 200 | 203 | 205 | 207 | 209 | 213 | 218 | 222 | 226 | 230 | 235 | 239 | 246 | 253 | 259 | 266 | | | | | | | | | | | 2500 | 205 | 207 | 209 | 210 | 212 | 216 | 220 | 225 | 229 | 233 | 238 | 242 | 249 | 256 | 263 | 271 | 276 | | | | | | | | | | 3000 | 207 | 210 | 212 | 215 | 216 | 220 | 225 | 229 | 233 | 238 | 242 | 246 | 253 | 260 | 266 | 273 | 281 | 288 | | | | | | | | | 3500 | 212 | 215 | 216 | 219 | 220 | 225 | 229 | 233 | 238 | 242 | 246 | 250 | 258 | 265 | 271 | 278 | 285 | 292 | 298 | | | | | | | | 4000 | 216 | 219 | 220 | 223 | 225 | 229 | 233 | 238 | 242 | 246 | 250 | 255 | 260 | 268 | 275 | 282 | 289 | 296 | 302 | 308 | | | | | | | 4500 | 219 | 222 | 223 | 226 | 228 | 232 | 236 | 240 | 245 | 249 | 253 | 258 | 265 | 272 | 278 | 285 | 292 | 299 | 305 | 311 | 316 | | | | | | 5000 | 223 | 226 | 228 | 230 | 232 | 236 | 240 | 245 | 249 | 253 | 258 | 262 | 268 | 275 | 282 | 289 | 296 | 303 | 309 | 315 | 321 | 326 | | | | | 6000 | 225 | 228 | 229 | 232 | 233 | 238 | 242 | 246 | 250 | 255 | 259 | 263 | 269 | 276 | 283 | 291 | 298 | 305 | 311 | 316 | 322 | 328 | 332 | | | | 7000 | 228 | 230 | 232 | 235 | 236 | 240 | 245 | 249 | 253 | 258 | 260 | 265 | 272 | 279 | 286 | 293 | 301 | 308 | 314 | 319 | 324 | 329 | 335 | 341 | | | 8000 | 229 | 232 | 233 | 236 | 238 | 242 | 246 | 250 | 255 | 259 | 263 | 268 | 273 | 281 | 288 | 295 | 302 | 309 | 315 | 321 | 326 | 332 | 336 | 342 | 348 | | 9000 | 232 | 235 | 236 | 239 | 240 | 245 | 249 | 253 | 258 | 262 | 265 | 269 | 276 | 283 | 291 | 298 | 305 | 312 | 318 | 324 | 328 | 334 | 339 | 345 | 351 | | 10000 | 233 | 236 | 238 | 240 | 242 | 246 | 250 | 255 | 259 | 263 | 266 | 271 | 278 | 285 | 292 | 299 | 306 | 314 | 319 | 325 | 329 | 335 | 341 | 346 | 352 | Effective 8/1/96 32