Omaha Property & Casualty Automobile Underwriting Guidelines
      

Company

OPAC

Company

OPAC

Company

OPAC

Program

Ultra

Program

Select - Tiers can be split

Program

Elite - Tiers can be split

Credit Score/Financial

600 Credit Score

Credit Score/Financial

600 Credit Score

Credit Score/Financial

600 Credit Score

Prior Insurance

 

Prior Insurance

 

Prior Insurance

 

Prior Carrier

Prior coverage in standard market for past 12 months

Prior Carrier

Prior coverage in standard market for past 12 months

Prior Carrier

Prior coverage in standard market for past 12 months

Lapse of Prior Coverage

No lapse of coverage permitted

Lapse of Prior Coverage

No lapse of coverage permitted

Lapse of Prior Coverage

No lapse of coverage permitted

Drivers

 

Drivers

 

Drivers

 

Driver Age

Age 25 to 70 (call 70-74)

Driver Age

Age 25 to 70 (call 70-74)

Driver Age

Age 25 to 70 (call 70-74)

Children’s Age

No children under 25 - cannot put children in other tier

Children’s Age

Any age - drivers under 20 must have 100% clean records

Children’s Age

Any age - drivers under 19 must have 100% clean records

Physical Impairments

Submit only for all

Physical Impairments

Submit only for all

Physical Impairments

Submit only for all

Room Mates Information

All people and vehicles need to be insured with OPAC

Room Mates Information

All people and vehicles need to be insured with OPAC

Room Mates Information

All people and vehicles need to be insured with OPAC

Are Excluded Drivers Allowed

No - With underwriter approval in very few cases

Are Excluded Drivers Allowed

No - With underwriter approval in very few cases

Are Excluded Drivers Allowed

No - With underwriter approval in very few cases

Other Driver Items

Should have 2 years at current employment and 2 years at current address.  Less than 2 years at address is ok if they own their own house.

Other Driver Items

Should have 2 years at current employment and 2 years at current address.  Less than 2 years at address is ok if they own their own house.

Other Driver Items

Should have 2 years at current employment and 2 years at current address.  Less than 2 years at address is ok if they own their own house.

Driving Record/Losses

 

Driving Record/Losses

 

Driving Record/Losses

 

Record Experience Period

3 years

Record Experience Period

3 years

Record Experience Period

3 years

At Fault Accidents per Person

0

At Fault Accidents per Person

0

At Fault Accidents per Person

1=1.00…. 1.00 Maximum

At Fault Accidents per Policy

0

At Fault Accidents per Policy

0 unless driver is rated in elite tier

At Fault Accidents per Policy

1=1.00…. 1.50 Maximum

No Fault Accidents per Person

0

No Fault Accidents per Person

1=.50…. .50 Maximum

No Fault Accidents per Person

1=.50…. 1.00 Maximum

No Fault Accidents per Policy

0

No Fault Accidents per Policy

1=.50  1.00 Maximum

No Fault Accidents per Policy

1=.50…. 1.50 Maximum

Minor Convictions per Person

0

Minor Convictions per Person

1=.50…. .50 Maximum

Minor Convictions per Person

1-.50…. 1.00 Maximum

Minor Convictions per Policy

0

Minor Convictions per Policy

1=.50  1.00 Maximum

Minor Convictions per Policy

1=.50…. 1.50 Maximum

Maximum Incidents per Person

0

Maximum Incidents per Person

.50  Points Maximum

Maximum Incidents per Person

1.00 points Maximum

Maximum Incidents per Policy

0

Maximum Incidents per Policy

1.00  Points Maximum

Maximum Incidents per Policy

1.50 Maximum

At Fault Accident with Ticket

0 permitted -  Same as at fault by itself unless major violation

At Fault Accident with Ticket

0 permitted -  Same as at fault by itself unless major violation

At Fault Accident with Ticket

1=1.00 -  Same as at fault by itself unless major violation

Major Convictions

0 in 3 years….includes DWI, Reckless, Speed 15 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing

Major Convictions

0 in 3 years….includes DWI, Reckless, Speed 15 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing

Major Convictions

0 in 3 years….includes DWI, Reckless, Speed 15 MPH over limit, Leaving Scene of Acc, Suspension of license, Felony Coniviction, Any SR22 filing

Window Chip Comp Losses

included in other comp losses

Window Chip Comp Losses

included in other comp losses

Window Chip Comp Losses

included in other comp losses

Other Comp Losses

2 OK if only 1 is over $250

Other Comp Losses

3 OK if only 1 is over $250

Other Comp Losses

4 OK if only 1 are over $250

No Fault Collision Losses

treat as a no fault accident

No Fault Collision Losses

treat as a no fault accident

No Fault Collision Losses

treat as a no fault accident

At Fault Accident Surcharge

2 points if over  $1000, 2 points if 2 accidents under $1000

At Fault Accident Surcharge

2 points if over  $1000, 2 points if 2 accidents each under $1000

At Fault Accident Surcharge

2 points surch if over  $1000, 2 points surch if 2 accidents under $1000

Other Records/Loss Items

 

Other Records/Loss Items

 

Other Records/Loss Items

 

Vehicle Rating Items

 

Vehicle Rating Items

 

Vehicle Rating Items

 

Number of Vehicles

1 or more

Number of Vehicles

1 or more

Number of Vehicles

1 or more

Vehicle Age Limitations

1 vehicle 8 years and newer

Vehicle Age Limitations

1 vehicle 10 years and newer

Vehicle Age Limitations

1 vehicle 10 years and newer

Coverage Requirements

100/300/100 minimum liability

Coverage Requirements

50/100/50 minimum liability

Coverage Requirements

 

Business Use Allowed

Yes - Salesman type use only

Business Use Allowed

Yes - Salesman type use only

Business Use Allowed

Yes - Salesman type use only

Contractor Use Allowed

No

Contractor Use Allowed

No

Contractor Use Allowed

No

One Ton Pickup Allowed

Yes - if not used for business

One Ton Pickup Allowed

Yes - if not used for business

One Ton Pickup Allowed

Yes - if not used for business

Limit on Miles to Work

up to 30 miles one way

Limit on Miles to Work

up to 30 miles one way

Limit on Miles to Work

up to 30 miles one way

Limit on Annual Mileage

7500 & Under is one class -Maximum of 30,000 annual per car

Limit on Annual Mileage

7500 & Under is one class -Maximum of 30,000 annual per car

Limit on Annual Mileage

7500 & Under is one class -Maximum of 30,000 annual per car

Other Vehicle Rating Items

Full Coverage over 10 needs 2 photos

Other Vehicle Rating Items

 

Other Vehicle Rating Items

 

Other Rating Items

 

Other Rating Items

 

Other Rating Items

 

Coverage Limit Rating Items

Full coverage on vehicles over 10 years requires 2 photos,  any insured vehcile over 25 years old requires 1 photo...No vehcile with full coverage can be parked every night on the street - must be garage, driveway, or parking lot

Coverage Limit Rating Items

Full coverage on vehicles over 10 years requires 2 photos,  any insured vehcile over 25 years old requires 1 photo.  No vehcile with full coverage can be parked every night on the street - must be garage, driveway, or parking lot

Coverage Limit Rating Items

Full coverage on vehicles over 10 years requires 2 photos,  any insured vehcile over 25 years old requires 1 photo….No vehcile with full coverage can be parked every night on the street - must be garage, driveway, or parking lot

Miles to Work Rating Criteria

1 or 2;  3 to 9;  10 and over

Miles to Work Rating Criteria

1 or 2;  3 to 9;  10 and over

Miles to Work Rating Criteria

1 or 2;  3 to 9;  10 and over

U S Citizen Requirement

No

U S Citizen Requirement

No

U S Citizen Requirement

No

Supporting Policy Requirement

Yes - requires HO3 or HO6

Supporting Policy Requirement

No

Supporting Policy Requirement

Yes - requires HO3 or HO6

Other Rating Items

57106 & 57108 in Lincoln County is Territory 40

Other Rating Items

57106 & 57108 in Lincoln County is Territory 40

Other Rating Items

57106 & 57108 in Lincoln County is Territory 40

Discount-Surcharges

 

Discount-Surcharges

 

Discount-Surcharges

 

Homeowners Package Discount

Yes -10%  with HO3 or HO6 - for other tiers 5% with HO4

Homeowners Package Discount

Yes -10%  with HO3 or HO6 - 5% with HO4

Homeowners Package Discount

Yes -10%  with HO3 or HO6 - 5% with HO4

Home Ownership Discount

No

Home Ownership Discount

No

Home Ownership Discount

No

Multi Car Discount

Yes - ??%….Single car policy qualifies if one driver also has a company car for personal use

Multi Car Discount

Yes - ??%….Single car policy qualifies if one driver also has a company car for personal use

Multi Car Discount

Yes - ??%….Single car policy qualifies if one driver also has a company car for personal use

Claim Free Discount

No

Claim Free Discount

No

Claim Free Discount

No

Good Student Discount

Yes - age 15-24 full time student with B average or better - requires proof

Good Student Discount

Yes - age 15-24 full time student with B average or better - requires proof

Good Student Discount

Yes - age 15-24 full time student with B average or better - requires proof

Drivers Training Discount

Yes - 15 to 21 - certificate signed by school official

Drivers Training Discount

Yes - 15 to 21 - certificate signed by school official

Drivers Training Discount

Yes - 15 to 21 - certificate signed by school official

Air Bags Discount

No

Air Bags Discount

No

Air Bags Discount

No

Anti-lock Brakes Discount

No

Anti-lock Brakes Discount

No

Anti-lock Brakes Discount

No

Passive Sec Alarm Discount

Yes - ??% comp discount

Passive Sec Alarm Discount

Yes - ??% comp discount

Passive Sec Alarm Discount

Yes - ??% comp discount

Active Sec Alarm Discount

Yes - ??% comp discount

Active Sec Alarm Discount

Yes - ??% comp discount

Active Sec Alarm Discount

Yes - ??% comp discount

Other Discounts & Surcharges

Driver age 55 or older - senior operator discount 10% on BI,PD,Collision.  (must have completed the safety course within 36 months and have certificate and be accident free)

Other Discounts & Surcharges

Driver age 55 or older - senior operator discount 10% on BI,PD,Collision.  (must have completed the safety course within 36 months and have certificate and be accident free)

Other Discounts & Surcharges

Driver age 55 or older - senior operator discount 10% on BI,PD,Collision.  (must have completed the safety course within 36 months and have certificate and be accident free)

Vehicles

 

Vehicles

 

Vehicles

 

Unacceptable Vehicles

No value over $70,000; Hummer;  Aston martin; Austin Healey; Bentley; Dodge Viper; Ferrari; Jeep CJ Series and Wrangler; Jensen Healey, Lamborgini; Lous; Maseratti; Pantera; Rolls Royce; Subaru Brat;  Sunbeam Tiger; Suzuki Samurai and Sidekick.  (If an exception is made drivers must be age 25 or more)

Unacceptable Vehicles

No value over $70,000; Hummer;  Aston martin; Austin Healey; Bentley; Dodge Viper; Ferrari; Jeep CJ Series and Wrangler; Jensen Healey, Lamborgini; Lous; Maseratti; Pantera; Rolls Royce; Subaru Brat;  Sunbeam Tiger; Suzuki Samurai and Sidekick.  (If an exception is made drivers must be age 25 or more)

Unacceptable Vehicles

No value over $70,000; Hummer;  Aston martin; Austin Healey; Bentley; Dodge Viper; Ferrari; Jeep CJ Series and Wrangler; Jensen Healey, Lamborgini; Lous; Maseratti; Pantera; Rolls Royce; Subaru Brat;  Sunbeam Tiger; Suzuki Samurai and Sidekick.  (If an exception is made drivers must be age 25 or more)

Restricted Vehicles

ISO performance h, s & p for 2001 and prior years;  2,3 & 4 for 2002 and later -  All operators must be 25 years old and 9 years experience

Restricted Vehicles

ISO performance h, s & p for 2001 and prior years;  2,3 & 4 for 2002 and later -  All operators must be 25 years old and 9 years experience

Restricted Vehicles

ISO performance h, s & p for 2001 and prior years;  2,3 & 4 for 2002 and later -  All operators must be 25 years old and 9 years experience

Motor Home Rating

Yes -- choose symbol based on actual value - rate using priority rating

Motor Home Rating

Yes -- choose symbol based on actual value - rate using priority rating

Motor Home Rating

Yes -- choose symbol based on actual value - rate using priority rating

Travel Trailer Rating

Yes - Get original cost new - $100 deductible comp and $250 deductible collsion. No other deductibles for new business - use chart in manual page A-5-1 & A-5-2

Travel Trailer Rating

Yes - Get original cost new - $100 deductible comp and $250 deductible collsion. No other deductibles for new business - use chart in manual page A-5-1 & A-5-2

Travel Trailer Rating

Yes - Get original cost new - $100 deductible comp and $250 deductible collsion. No other deductibles for new business - use chart in manual page A-5-1 & A-5-2

Other Trailer Rating

Yes - Get original cost new - $50 deductible comp and $100 deductible collsion. No other deductibles for new business - use chart in manual page A-5-3 & A-5-4

Other Trailer Rating

Yes - Get original cost new - $50 deductible comp and $100 deductible collsion. No other deductibles for new business - use chart in manual page A-5-3 & A-5-4

Other Trailer Rating

Yes - Get original cost new - $50 deductible comp and $100 deductible collsion. No other deductibles for new business - use chart in manual page A-5-3 & A-5-4

Conversion Van Rating

Determine price new of van plus the conversion package.  Use the price new-symbol guide to determine symbol.  Enter symbol in priority rating.  Cannot bind coverage.  Fill out and sign the customized coverage form - copy is in the last page of the manual.

Conversion Van Rating

Determine price new of van plus the conversion package.  Use the price new-symbol guide to determine symbol.  Enter symbol in priority rating.  Cannot bind coverage.  Fill out and sign the customized coverage form - copy is in the last page of the manual.

Conversion Van Rating

Determine price new of van plus the conversion package.  Use the price new-symbol guide to determine symbol.  Enter symbol in priority rating.  Cannot bind coverage.  Fill out and sign the customized coverage form - copy is in the last page of the manual.

Pickup Topper Rating

Value of $500 or less is included at no charge….$501 to $1000 of current value is included by adding 1 symbol to the pickup symbol and describe it in remarkes….For topper over $1000 determine price new of pickup and topper.  Use the price new-symbol guide to determine symbol.  Enter symbol in priority rating.

Pickup Topper Rating

Value of $500 or less is included at no charge….$501 to $1000 of current value is included by adding 1 symbol to the pickup symbol and describe it in remarkes….For topper over $1000 determine price new of pickup and topper.  Use the price new-symbol guide to determine symbol.  Enter symbol in priority rating.

Pickup Topper Rating

Value of $500 or less is included at no charge….$501 to $1000 of current value is included by adding 1 symbol to the pickup symbol and describe it in remarkes….For topper over $1000 determine price new of pickup and topper.  Use the price new-symbol guide to determine symbol.  Enter symbol in priority rating.

Other Vehicle Items

 

Other Vehicle Items

 

Other Vehicle Items

 

Policy Term/Payments

 

Policy Term/Payments

 

Policy Term/Payments

 

Policy Term

6 months

Policy Term

6 months

Policy Term

6 months

Billed Payments Available

1 payment - no fees……2 equal payments 50% down with no fee, 50% due in 60 days plus $6 fee

Billed Payments Available

1 payment - no fees……2 equal payments 50% down with no fee, 50% due in 60 days plus $6 fee

Billed Payments Available

1 payment - no fees……2 equal payments 50% down with no fee, 50% due in 60 days plus $6 fee

EFT Payments Available

Yes - this is the only way to pay monthly - new business 2 months down and 4 monthly-no fees

EFT Payments Available

Yes - this is the only way to pay monthly - new business 2 months down and 4 monthly-no fees

EFT Payments Available

Yes - this is the only way to pay monthly - new business 2 months down and 4 monthly-no fees

Credit Card Payment Available

No

Credit Card Payment Available

No

Credit Card Payment Available

No

App Binding Requirement

Application sent within 24 hours of the effective date.

App Binding Requirement

Application sent within 24 hours of the effective date.

App Binding Requirement

Application sent within 24 hours of the effective date.

Claim Reporting Procedure

Call company to report claims - 1-800-788-9488   (24 Hour Service)

Claim Reporting Procedure

Call company to report claims - 1-800-788-9488   (24 Hour Service)

Claim Reporting Procedure

Call company to report claims - 1-800-788-9488   (24 Hour Service)