Plan of Operation

Section 9 is amended to indicate that an applicant is not entitled to insurance if the applicant(s), other than spouse, and name(s) on the vehicle registration do not match.

Section 11 is amended to clarify that the applicant(s)/named insured(s) and the name(s) on the vehicle registration must match. The amendment is not applicable to a spouse.

Manual of Rules and Rates

Rule 32 is amended to extend full window glass coverage to private passenger automobiles where a $250, $500, or $1,000 deductible for comprehensive physical damage coverage is afforded.

Private Passenger Rating Factors and Rates are amended to include factors for the $250, $500, and $1,000 deductibles for full coverage window glass.

These Section and Rule amendments are effective February 1, 2009.

Plan of Operation

Section 10 is amended to (1) introduce optional combined single limits (CSL) up to $1,000,000 for all commercial applicants or insureds except taxicab and limousine applicants, (2) provide optional limits up to $1,000,000 CSL to tow trucks, and (3) clarify that applicants requesting $750,000 or $1,000,000 CSL will be assigned to SRDP.

Section 12 is amended to (1) include reference to both requested optional limits and limits required by law, (2) determine the effective date when the applicant is requesting optional limits of $750,000 or $1,000,000 CSL, (3) clarify that the current delay in effective date procedure is for applicants required to carry limits greater than $1,000,000 CSL, (4) provide that if the applicant requests limits greater than $1,000,000 CSL and the limit is not required by law, the maximum optional liability limit of $1,000,000 CSL will be provided, and (5) indicate that liability limits of $1,000,000 CSL will be provided in the event a producer incorrectly issues an identification card for an SRDP risk without prior approval and the applicant is subject to a delay in effective date (when an applicant requests limits greater than $1,000,000 CSL).

Section 23 is amended to (1) change the definition of a special risk to include risks requesting limits of $750,000 or $1,000,000 CSL, (2) provide that a nonparticipating subscriber shall continue to write a risk that becomes eligible for the SRDP midterm, at the requested liability limits including $750,000 or $1,000,000 CSL, or at limits required by law, until the completion of the three year assignment period.

Manual of Rules and Rates

Rule 22 is amended to specify that private passenger autos owned by trusts are rated as Class 3B.

Rule 101 is amended to (1) specify that the commercial auto coverage part covering private passenger autos owned and registered in the name of a trust will provide drive other car coverage for the principal operator, (2) clarify that if requested, drive other car coverage may also be provided to any family member resident in the principal operator’s household at the applicable premium by scheduling the family member on the endorsement, and (3) clarify that drive other car physical damage coverage is not available.

Rule 12 is amended to introduce excess coverage factors for $750,000 and $1,000,000 CSL for commercial risks to be written through SRDP.

Rule 23 is amended to introduce increased limits factors for $750,000 and $1,000,000 optional CSL.

Rule 50 is amended to (1) include reference to $750,000 and $1,000,000 optional CSL and (2) introduce increased limits factors for $750,000 and $1,000,000 optional CSL.

These amendments are effective December 1, 2008.

Rule 99 is amended to introduce language which states that bodily injury or property damage caused by nonowned autos while used to transport passengers for a fee or used as public or livery conveyances is excluded under the policy.

These amendments are effective December 1, 2008 for new business and January 1, 2009 for renewal business.

Plan of Operation

Section 9 is amended to clarify that the applicant is not entitled to motor vehicle insurance if the applicant or anyone who usually operates the vehicle does not hold a valid permit or driver’s license for the type and class of vehicle to be insured

Section 11 is amended to delete the requirement that producers have to submit a copy of the ID card with new applications.

Section 15A is amended to (1) clarify the title; (2) mirror the revisions in Section 9; and (3) delete obsolete language. These amendments are effective September 1, 2008.

Plan of Operation

Section 9 is amended to clarify that automobiles manufactured more than 25 years before the current calendar year are not eligible for physical damage coverage.

Manual of Rules and Rates

Rule 35 is amended to clarify that automobiles manufactured more than 25 years before the current calendar year are not eligible for physical damage coverage.

Rule 36 is amended to clarify that antique automobiles are automobiles manufactured more than 25 years before the current calendar year.

These Section and Rule changes are effective September 1, 2008.

Rule 80 is amended as follows:

• The limousine, school bus, church bus, medicar, ambulette, airport bus or airport limousine, and social service agency auto nonprofit classifications are amended to
• (1) clarify what type of autos may be rated under each classification;
• (2) specify the required documentation that must be submitted with the application;
• (3) specify the documentation that a company may require to substantiate the classification;
• (4) specify that if the risk fails to provide the required verifiable documentation to support the requested classification, the carrier will rate the risk under the rating classification supported by the information it receives.
• • A new hotel/motel courtesy bus classification is introduced and the public auto not otherwise classified classification is amended to delete courtesy buses run by hotels.
• • The record keeping requirements for medicars and ambulettes are relocated to the medicar and ambulette classifications.
• • The fleet and nonfleet primary classification tables are amended to add factors for hotel/motel courtesy buses.

These amendments are effective June 1, 2008 for new business and July 1, 2008 for renewals.

Section 15 is amended to expand the Ineligible Applicant Program to include commercial risks; effective January 1, 2008.

This amendment establishes a Company Performance Standard requiring servicing carriers to report Commercial Ineligible Applicant Data. Since the amendment will be effective before the program is implemented, servicing carriers will be in compliance with the new performance standard provided they are (1) in test mode by June 2008, and (2) reporting Commercial IAP data by December 1, 2008.

Section 6 is amended to include the requirement of a disclosure notice when voluntary take-out premium exceeds Plan policy premium; effective October 1, 2007.

Rule 35 is amended to clarify that physical damage coverage is not available for vehicles that are 25 or more years old; effective October 1, 2007.

Section 10 is amended to clarify that when there is more than one vehicle insured on the same policy, all vehicles must have the same coverages (excluding physical damage coverage), limits, and PIP deductible, providing the vehicle is eligible for the coverage; effective October 1, 2007.

Rules 43 and 120 are amended to track the law by revising the definition of a low speed vehicle to include trucks which have a maximum performance speed of greater than 20 miles per hour, but not greater than 25 miles per hour and whose gross vehicle weight rating (GVWR) is less than 3,000 pounds; effective October 1, 2007.

Section 14 is amended to clarify that insurers have the right to request photo inspections of vehicles with liability coverage, as part of their underwriting review, at a reasonable time and place convenient for the insured and the insurer. Insurers requesting such inspections will bear the cost, and failure of the insured to comply may result in cancellation.

Section 18 is amended to clarify that a cancellation notice issued by a finance company would overrule any other cancellation notice, if such notice was to take effect at a later date. An exception is noted for policies with a filing, where requirements of the Banking Law must be met.

These amendments are effective October 1, 2007.

Section 6 is amended to clarify recently approved provisions concerning take-out credit eligibility. This amendment eliminates language that could be incorrectly interpreted as prohibiting an insurer from earning a take-out credit when an insured, which has liability and physical damage coverage on its Plan policy, declines physical damage coverage offered as required by the insurer on a takeout policy. This amendment is effective August 1, 2007.

Private passenger base rates for bodily injury, property damage, personal injury protection, uninsured motorists, comprehensive, and collision coverages are revised.

Class factors for bodily injury and property damage liability and personal injury protection coverages are revised.

The base model year is changed from 2005 to 2007.

These amendments are effective August 15, 2007 for new business and October 1, 2007 for renewal business.

Rule 53 is amended to replace reference to 49 CFR 173.455 with 49 CFR 173.403.

Rule 98 is amended to reference the Additional Insured—Lessor/Loss Payee New York endorsement.

These amendments are effective September 1, 2007.

The effective date for the following amendments to Section 6, as announced in NY 2007 Revision 003, is changed to August 1, 2007.

Section 6 is amended to

• • provide uniformity and consistency among companies when determining take-out credit premium, by requiring that the premium used to determine take-out credits be based on specific and easily identifiable documents that cannot be subject to different interpretations;
• • clarify the reporting of premium for take-out credits in certain situations;
• • clarify that the insurer must offer both liability and physical damage coverages, if so provided in the Plan policy, to report premium for a take-out credit;
• • change the word “afforded” to “offered” for consistency;
• • clarify that for multi-vehicle policies all vehicles must be offered to be taken out of the Plan to be eligible for a take-out credit.

• provide uniformity and consistency among companies when determining take-out credit premium, by requiring that the premium used to determine take-out credits be based on specific and easily identifiable documents that cannot be subject to different interpretations;
• clarify the reporting of premium for take-out credits in certain situations;
• clarify that the insurer must offer both liability and physical damage coverages, if so provided in the Plan policy, to report premium for a take-out credit;
• change the word “afforded” to “offered” for consistency;
• clarify that for multi-vehicle policies all vehicles must be offered to be taken out of the Plan to be eligible for a take-out credit.

Rule 110 is retitled and amended to provide rating procedures for any mobile equipment subject to auto insurance laws.

These amendments are effective July 1, 2007.

The enclosed pages replace all of the rules, rates, and territory pages of the New York Automobile Insurance Plan Manual of Rules and Rates; effective June 1, 2007 for new and renewal business.

This Manual tracks the current New York AIP Rating Manual provisions, but is revised to simplify and clarify the provisions, especially the rating procedures, as follows:

Four distinct Chapters are provided:

General Rules Chapter

Private Passenger Automobile Chapter

Commercial General Rules Chapter

Commercial Rules and Rates Chapter

A Private Passenger Automobile Rate Chapter is included that introduces a simplified rating procedure. It consists of all the necessary rating provisions in one chapter, i.e., territorial base rates, class factors, symbol and model year factors, increased limits, credits, and deductible factors as well as rating worksheets. Accordingly, the Private Passenger Automobile Liability, PIP, and Physical Damage rate pages are eliminated.

Additional Charges Rules are introduced in the Private Passenger Automobile Chapter and the Commercial General Rules Chapter that replace the additional charges provisions formerly found in Section 16.

The significant Rule changes are summarized below, by Chapter:

Changes in the General Rules Chapter:

• The Whole Dollar Premium Rule (Rule 5) is amended to reflect that rounding should be performed at the end of each rating step.
• The Personal Injury Protection Coverages Rule (Rule 9) is amended to delete the Medical Expense Elimination provision as there is currently no health insurance plan that is approved to qualify for this discount.
• New Rule 15. Endorsement References is introduced to clarify that the endorsement numbers cited in the Manual are the numbers of the endorsement forms filed and approved by the Insurance Department and that insurers may use their own numbering system for endorsements and may incorporate the endorsements into the policy.
• Territory schedules are introduced in the General Rules Chapter. The territories were reformatted for ease of use based on county information. There are no territory changes. A reference to the New York Automobile Insurance Plan website for a link to additional information is included.

Changes to the Private Passenger Automobile Chapter:

• The Premium Development Rule (Rule 21) is revised to clarify rating procedures for use when a rating symbol is not displayed in the S&I Manual.
• The Classifications Rule (Rule 22) is revised to introduce a definition of “age”.
• The Careful Driver Credit (Rule 24) is clarified to exclude low speed vehicles from receiving the credit.
• The Two or More Automobiles Credit and Driver Training Credit Rules (Rules 25 and 27) exclude antique automobiles and low speed vehicles from receiving the credits.
• The Additional Charges Rule (Rule 29) clarifies that operating a motor vehicle while using a mobile telephone and high occupancy vehicle (HOV) lane violations are chargeable. Seat belt violations and inspection sticker violations are not chargeable.

In the new Commercial General Rules Chapter:

• The Additional Charges Rule (Rule 51) clarifies the application of surcharges for multi-vehicle risks.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to Section 6 relating to LAD, CLAD, or PAP CLAD that

These amendments are effective April 1, 2007.

• introduce premium at present rates experience rating and revise the base limit to $100,000 combined single limit;
• revise the criteria that risks must meet in order to be eligible for experience rating;
• simplify the determination of experience modification procedures;
• introduce an experience rating example and worksheet.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to Section 6 that reflect the proper method of reporting take-out credit data to AIPSO; effective March 1, 2007.

Note: This Important Notice reflects changes to recently revised Section 6, announced via IMN(NY)06-07, dated May 12, 2006.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to Rule 12 to clarify that broadened PIP coverage for a named individual is available on a commercial policy. In addition, a named individual is only eligible for additional PIP coverage if such coverage is already afforded on the policy.

These amendments are effective January 1, 2007.

• Section 11 which (1) require that producers who are certified as provided in Section 15A of this Plan must utilize PASS to submit all applications that are eligible for submission through PASS as determined by the Plan; (2) specify that SRDP and public auto risks are eligible for PASS and are therefore no longer eligible for the Electronic Submission Procedure described in Section 12; and (3) clarify how an effective date will be determined for applications submitted through PASS and subject to the provisions of Sec. 12.D (requiring filings or liability CSL of $750,000 or greater).
• Section 12 which provide that (1) coverage will be effective at the date and time of transmission to PASS, if the applicant is eligible, or in accordance with the current provisions; and (2) applications eligible for PASS are not eligible for the Electronic Submission Procedure.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to Sections 3 and 9, and Rule 14 which clarify that foreign diplomats are eligible for coverage through the Plan for motor vehicles owned or leased by a Foreign Mission (as the term is defined by the U.S. Department of State), its members, and its members' dependents, registered with the U.S. Department of State in Washington, DC and assigned to a Foreign Mission in the State of New York, provided the motor vehicle is garaged in the state at the time of application and the applicant meets all other eligibility requirements. Section 9 is also amended for editorial purposes.

Rule 9 is amended to reference minimum private passenger financial responsibility coverage limits of $300,000 combined single limit and split limits of $100,000/300,000 BI, $100,000 PD ($50,000 PD for motorcycles) for foreign diplomats as mandated by the U.S. Department of State.

These amendments are effective December 1, 2006.

• Section 16 is amended to clarify that additional charges are not applicable to nonowned auto coverage.
• Rule 5 is amended editorially to delete reference to payroll basis since there will no longer be any policies written on a payroll basis.
• Rules 9, 13, 14F, 74, 94, and 115 are amended editorially to reference nonowned auto in lieu of employers nonownership.
• Rule 14C is amended editorially to transfer provisions for service operations and reference auto and trailer dealers.
• The Garages, Dealers, Service Stations, and Parking Facilities Section is retitled and the heading “A—Automobile Dealers” is deleted.
• Rule 55 is amended to transfer the classification of trailer dealers from the service operations subsection to the dealers subsection.
• Rule 56 is amended to provide premium development procedures for trailer dealers.
• Rule 57 is amended editorially to reference trailer dealers in the title.
• Rule 73 is retitled and amended to provide premium development procedures for the nonowned auto exposures of auto repair shops, service stations, storage garages, public parking places, and tow truck operators.
• The Automobile Service Operations Or Trailer Sales Subsection, including Rules 61, 62, and 63, is deleted in its entirety.
• The Garage—Service Operations rate schedules are deleted in their entirety.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to

• Section 9 that provide a procedure for the handling of policy change requests to add commercial vehicles to an existing private passenger policy or replace an existing private passenger vehicle(s) with a commercial vehicle(s) on an existing in-force private passenger policy;
Section 11 that incorporates a reference to the amendment in Section 9;
• Section 15A that specifies that policy change requests shall not be submitted on private passenger policies when the additional or replacement vehicle is a commercial vehicle; and
• Section 18 that introduces a provision for cancellation by an insurer when a commercial vehicle is endorsed to a private passenger policy.

These amendments are effective September 1, 2006.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to

• Section 9 which (1) provide that an international driver permit is not a valid license and (2) clarify the application submission requirements when a foreign driver’s license is submitted;
• Section 11, Rule 16, and Rule 17 that editorially correct references to foreign driver’s license; and
• Rule 16 which clarify that an inexperienced operator is an insured licensed for a total of less than three years, excluding any periods of revocations or suspensions.

These amendments are effective October 1, 2006.

The fee is only applicable to the following: (1) nonfleet* private passenger automobiles; (2) miscellaneous nonfleet* personal vehicles not used for business (i.e., motor homes, campers and travel trailers, dune buggies, all-terrain vehicles, antique autos, amphibious autos, motorcycles, snowmobiles, and low speed vehicles); (3) named nonowner applicants; and (4) excess liability applicants (private passenger nonfleet*).

*“Nonfleet” is defined as four or less motor vehicles of any type.

These amendments are effective October 1, 2006.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to

• Section 11 and Section 12 that delete reference to TML information services; and
• Section 12 that include a 30-day expiration date on electronic bindings for commercial applications submitted through PASS when the appropriate application form and deposit premium are not received by the Plan.

These amendments are effective May 5, 2006.

• Section 10 to include the required limits for tow truck operations as specified in Section 345 of the New York Vehicle and Traffic Law including the limit of $25,000 for property damage to an auto being towed, as well as, optional combined single liability limits;
• Rule 9 to include a reference to the required limit of $25,000 for property damage (“on hook”) to an auto being towed and to reference the applicable GVW for increased limits; and
• Rule 32 to (1) clarify that the limit of $25,000 property damage (“on hook”) for a towed auto is required and (2) include reference to Rule 9 for required liability limits.

These amendments are effective August 1, 2006.

These amendments specify the following:

(1) Insurers must provide required information on the disclosure notice to the insured.

(2) The disclosure notice must be issued by the insurer to the insured (a) as of the effective date of the policy if the policy is taken out by the same AIP insurer and (b) 30 days from the effective date of the policy if the policy is taken out by a different AIP insurer.

• allow insurers that are not permitted to offer medical payments coverage on a voluntary policy to qualify for take-out credits for these policies;
• require the insurer to provide the insured with a written explanation as to what coverage provisions cannot be offered to them;
• require these insurers to provide written notification to the Plan annually if they do not offer medical payments coverage in the voluntary market.

These amendments are effective January 1, 2006

• Section 11 which specify that when a replacement or additional vehicle is added to a policy, the registration must be in the same name(s) as the named insured(s). This does not apply to a husband and wife.
Section 17 that delete resident individuals from the requirement of when the Joint Ownership endorsement must be attached.

• Section 15 that introduce a performance standard requiring companies to report ineligible risks to the Plan; and
• Section 15A that introduce a performance standard outlining the circumstances where a producer may override the PASS ineligible applicant program.

This Notice is to advise you that the State of New York Insurance Department has approved the following amendments:

• •Section 24B is amended to add language that refers to Rule 52 for discount applicability.
• •Rule 47 is amended to add Note 3 which refers the rater to Rule 52 for applicability.
• •New Rule 52 is introduced to provide a 5% bodily injury and property damage liability coverage ambulette discount for all ambulette risks who are qualified risks and whose drivers have successfully completed the New York City Taxi and Limousine Commission Safe Driver Certification Program.

These amendments are effective February 1, 2005.

Note: These amendments were recently announced via IMN(NY)04-14 on August 13, 2004. The language has not been changed. This Notice is reissued to revise the effective date and clarify the phased implementation schedule. Please discard IMN(NY)04-14 if you downloaded it from the website.

• Section 11 that allow producers to electronically transfer deposit premium to the Plan for new business applications submitted through PASS; and
• Sections 15 and 15A that amend company and producer performance standards to address compliance with the electronic payment provisions.

These amendments are approved and implementation is targeted for November 1, 2004.

• Phase I: private passenger PASS applications (not including premium financed applications)
The implementation of Phase I is targeted for November 1, 2004.
• Phase II: premium financed applications
The implementation of Phase II that will include premium financed applications is under development. Further details of the implementation and effective date of Phase II will be announced in the future.

---

• Section 11 that allow producers to electronically transfer deposit premium to the Plan for new business applications submitted through PASS; and
• Sections 15 and 15A that amend company and producer performance standards to address compliance with the electronic payment provisions. These amendments are effective September 15, 2004, or coincident with the implementation of the program. Further announcements will be released.

  ---

This Notice is to advise you that the State of New York Insurance Department has approved amendments to (1) Section 15A to establish a new producer performance standard for the electronic retrieval of MVR data, and (2) Section 21 to indicate that producers shall not be reimbursed for electronically retrieved MVR data, since this cost is borne by the Plan.

These amendments are effective on or about September 1, 2004, and coincident with the implementation of the program. A notice announcing the details of the program will be released soon.

• reduce the time frame from 30 days to 20 days in which an insured must postmark the premium payment after the cancellation effective date for nonpayment of premium, in order for the company to either reinstate the policy with a lapse in coverage, or issue a new annual policy;
• introduce an optional procedure to use the electronic time signature for reinstatements, to establish the effective date of coverage when a policy is either reinstated with a lapse in coverage or a new annual policy is issued.

• phase out the provisions of Section 6.A.6.b (i) through (vi) and replace them with a chart that provides the designated territories, zip codes, and credits for 2003 voluntary data to be used in 2005 quota determination; and
• provide that all territories and zip codes are analyzed at the end of each three year period to determine if any should be added or deleted along with recommendations to increase or decrease credits. (An analysis will be conducted to determine the territories, zip codes, and credits for the first three-year period to begin in the 2004 voluntary base data year for use in the 2006 quota year.)

Note: These amendments were recently issued via the April 1, 2004 Distribution of Manual pages, IMN(NY)04-05, and IMN(NY)04-05A. The language in Section 11 has not been changed. This Notice is reissued to revise the effective date to September 1, 2004. Please discard IMN(NY)04-05 and IMN(NY)04-05A.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to Section 11 entitled Policy Reinstatement for policies cancelled for nonpayment of premium.

The new procedure requires companies to reinstate coverage with a lapse or for companies unable to reinstate with a lapse to issue a new annual policy. However, the insurer must receive payment within 30 days from the effective date of cancellation. For payments received after this 30-day window, a new application must be submitted to the Plan. These amendments are designed to reduce the need to reapply to the Plan if timely payment is not received in accordance with Plan rules.

These amendments are effective September 1, 2004.

Note: These amendments were recently issued via the April 1, 2004 Distribution of Manual pages and IMN(NY)04-05. The language in Section 11 has not been changed. This Notice is reissued to revise the effective date. This replaces IMN(NY)04-05, dated 3/31/04, which should be discarded.

This Notice is to advise you that the State of New York Insurance Department has approved amendments to Section 11 entitled Policy Reinstatement for policies cancelled for nonpayment of premium.

The new procedure requires companies to reinstate coverage with a lapse or for companies unable to reinstate with a lapse to issue a new annual policy. However, the insurer must receive payment within 30 days from the effective date of cancellation. For payments received after this 30-day window, a new application must be submitted to the Plan. These amendments are designed to reduce the need to reapply to the Plan if timely payment is not received in accordance with Plan rules.

These amendments are effective June 1, 2004.

• •Section 11 to provide the option of electronically submitting policy change requests through PASS; and
• •Section 15A to add the option of transmitting policy change requests through PASS.

These amendments are effective January 28, 2004.

• an amendment to Section 10 that references the New York Private Passenger Auto Insurance Policy;
• amendments to Section 11 that require a Policy Change Request form before physical damage coverage applies to a newly acquired auto and incorporate three days of automatic physical damage coverage for replacement autos;
• amendments to Section 17 that specify the use of the New York Private Passenger Auto Insurance Policy and related endorsements;
• amendments to Rules 16, 21, 27, 28, and 124 that eliminate reference to “stated amount basis” as all physical damage coverage is provided on an “actual cash basis”;
• the deletion of Rule 23. Amphibious Private Passenger automobiles as this Rule is obsolete;
• amendments to Rule 27 that track the New York Private Passenger Auto Insurance Policy that only excludes customization not included in the vehicle’s original retail invoice;
• amendments to Rule 28 that reference use of the Collision and Comprehensive Coverage—Maximum Limit of Liability endorsement;
• amendments to Rules 75 and 76 that clarify that these coverages are written on a commercial policy;

• amendments to Sections 1, 3, 6, and 9 which specify that low speed vehicles are eligible for coverage through the Plan;
• amendments to Sections 9 and 10 which specify the coverages available for low speed vehicles;
• amendments to Section 11 which specify that low speed vehicles must be submitted through PASS;
• amendments to Section 17 which specify that low speed vehicles are written on a Personal Auto Policy amended by the Miscellaneous Type Vehicle Endorsement;
• the introduction of Rule 106. Low Speed Vehicles which (1) provides rating instructions for low speed vehicles, (2) specifies that physical damage coverage is not available for low speed vehicles, and (3) instructs insurers to attach the applicable endorsement.

• · Sections 11 and 12 that establish provisions for electronic assignment of applications submitted through PASS. In addition, Section 11 is amended to revise the household carrier rules to reflect that producers must provide the name and policy number of the household carrier on an application;
• · Section 15 to introduce a new producer performance standard to require producers to provide the name and policy number of the household carrier on an application.

• Section 18 and Rule 3 which specify that the law enforcement fee is a separate charge that is applied in addition to the minimum premium and that, for policies cancelled at inception, any applicable law enforcement fee is refunded;
• Rule 8 which (1) specify that the minimum retained premium charge or minimum policy premium is $60, plus the law enforcement fee per applicable vehicle, and (2) indicate the minimum premium retention of $60 for a policy cancelled at inception as required by the Plan and that, for policies cancelled at inception, any applicable law enforcement fee is refunded.

Section 10 is amended to reinforce the eligibility criteria for supplemental spousal liability coverage by stating that risks written under an All-Terrain Vehicle Policy or an Excess Liability Policy are not eligible for supplemental spousal liability coverage.

EFFECTIVE NOVEMBER 1, 2003 FOR NEW BUSINESS AND DECEMBER 1, 2003 FOR RENEWALS

Section 11 and Rule 72 are amended to clarify the proper way to submit applications requesting hired automobile coverage through the Plan for all risks.

(1) Section 11 is amended to state that temporary identification cards shall be issued only when the insurer is providing primary coverage on the vehicle(s). (2) Rule 72 is amended to (1) refer to Section 11 for the issuance of temporary identification cards; (2) refer to paragraph C. Excess Coverage if primary liability insurance is in effect on the vehicle(s); and (3) allow for the attachment of endorsement form AP 90 24 12 90 if an insurer must specify an additional insured on the policy providing excess hired automobile coverage.

EFFECTIVE NOVEMBER 1, 2003