Filing at a Glance · Average Driver Rate Order of Calculation. Exhibit 1. The first step of the...

Filing at a Glance

Company: Mid-Century Insurance Company

Product Name: FA2, FSPA

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate/Rule

Date Submitted: 04/21/2016

SERFF Tr Num: FARM-130531943

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: RTPA07272016

Effective DateRequested (New):

07/27/2016

Effective DateRequested (Renewal):

08/25/2016

Author(s): Cheryl Matter, Lisa Scorzetti, Qianhui Lin, Patrick Hahn, Robert Poyer

Reviewer(s): Xiaofeng Lu (primary), Michael McKenney

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: FARM-130531943 State Tracking #: Company Tracking #: RTPA07272016

State: Pennsylvania Filing Company: Mid-Century Insurance Company

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)


Project Name/Number: FA2 and FSPA Rate Change/A-16-PA1, A-16-PA2

PDF Pipeline for SERFF Tracking Number FARM-130531943 Generated 04/25/2016 02:11 PM

General Information

Company and Contact

Filing Fees

State Specific

Project Name: FA2 and FSPA Rate Change Status of Filing in Domicile:

Project Number: A-16-PA1, A-16-PA2 Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 04/25/2016

State Status Changed: 04/25/2016 Deemer Date:

Created By: Qianhui Lin Submitted By: Qianhui Lin

Corresponding Filing Tracking Number:

Filing Description:

We respectfully submit for filing, on behalf of Mid-Century Insurance Company, revisions to rates for the Farmers Auto 2.0(FA2) and Farmers Smart Plan Auto (FSPA) rating plans. The overall effect of these changes on all policyholders is +6.0%.

Please refer to Filing Memo attached for more information.

Filing Contact InformationPatrick Hahn, Product Mananger [email protected]

3 Beaver Valley Rd

5th Floor

Wilmington, DE 19803-1115

302-252-4508 [Phone]

302-252-2424 [FAX]

Filing Company InformationMid-Century Insurance Company

6301 Owensmouth Ave

Woodland Hills, CA 91367

(818) 965-0662 ext. [Phone]

CoCode: 21687

Group Code: 69

Group Name:

FEIN Number: 95-6016640

State of Domicile: California

Company Type:

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:

*Filing Fee Amount: n/a*Date Filing Fee Mailed: n/a*Filing Fee Check Number: n/a*Filing Fee Check Date: n/a*NAIC Number: 0069-21687







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: -0.800%

Effective Date of Last Rate Revision: 04/26/2016

Filing Method of Last Filing: Prior Approval

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Mid-Century InsuranceCompany

62.100% 6.000% $6,149,880 64,112 $101,237,323 -10.000% 20.000%







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 Revised FA2 Rate Exhibits Replacement 06-PA FA2 Rate Exhibits eff

08252016.pdf2 Revised FSPA Rate Exhibits Replacement Pennsylvania FSPA Filing

Rate Manual 07272016.pdf3 Revised FSPA Rule Manual Replacement PA FSPA

FRG_07_27_2016_clean.pdf







State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceAverage Driver Rate Order of CalculationExhibit 1

The first step of the rate order calculation is to determine the Average Driver Factor. The Average Driver Factor is the average factor of drivers in the household. If there are more drivers than vehicles, the Average Driver Factor is the average of the highest ranked drivers, up to the number of vehicles. The rank is determined by the BI driver factor for each driver.

Average Driver Factor Items BI PD MED UM UIM COMP COLL

Driver Class (rated driver #1)Driving Record Points + + + + + + +Subtraction of Unity -1 -1 -1 -1 -1 -1 -1AAF / ALL / API Aging Factor x x x x x x xMAJ Aging Factor x x x x x x xMN1 / MN2 / MN3 Aging Factor x x x x x x xSPH / SPL Aging Factor x x x x x x xNAF Aging Factor x x x x x x xOCG Aging Factor x x x x x x xAge / Points Factor x x x x x x xAge / Tier Factor x x x x x x xPoints / Tier Factor x x x x x x xDistant Student Discount x x x x xGood Student Discount x x x x xTeen Driver Discount x x x x x

PLUS (if 2 vehicles)Driver Class (rated driver #1)Driving Record Points + + + + + + +Subtraction of Unity -1 -1 -1 -1 -1 -1 -1AAF / ALL / API Aging Factor x x x x x x xMAJ Aging Factor x x x x x x xNAF / OCG Aging Factors x x x x x x xMN1 / MN2 / MN3 Aging Factor x x x x x x xSPH / SPL Aging Factor x x x x x x xNAF Aging Factor x x x x x x xOCG Aging Factor x x x x x x xAge / Points Factor x x x x x x xAge / Tier Factor x x x x x x xPoints / Tier Factor x x x x x x xDistant Student Discount x x x x xGood Student Discount x x x x xTeen Driver Discount x x x x x

PLUS (if 3 vehicles)Driver Class (rated driver #1)Driving Record Points + + + + + + +Subtraction of Unity -1 -1 -1 -1 -1 -1 -1AAF / ALL / API Aging Factor x x x x x x xMAJ Aging Factor x x x x x x xNAF / OCG Aging Factors x x x x x x xMN1 / MN2 / MN3 Aging Factor x x x x x x xSPH / SPL Aging Factor x x x x x x xNAF Aging Factor x x x x x x xOCG Aging Factor x x x x x x xAge / Points Factor x x x x x x xAge / Tier Factor x x x x x x xPoints / Tier Factor x x x x x x xDistant Student Discount x x x x xGood Student Discount x x x x xTeen Driver Discount x x x x x

PLUS (if 4 vehicles)Driver Class (rated driver #1)Driving Record Points + + + + + + +Subtraction of Unity -1 -1 -1 -1 -1 -1 -1AAF / ALL / API Aging Factor x x x x x x xMAJ Aging Factor x x x x x x xNAF / OCG Aging Factors x x x x x x xMN1 / MN2 / MN3 Aging Factor x x x x x x xSPH / SPL Aging Factor x x x x x x xNAF Aging Factor x x x x x x xOCG Aging Factor x x x x x x xAge / Points Factor x x x x x x xAge / Tier Factor x x x x x x xPoints / Tier Factor x x x x x x xDistant Student Discount x x x x xGood Student Discount x x x x xTeen Driver Discount x x x x xDivide by Number of Rated Drivers / / / / / / /Developed Average Driver Factor* = = = = = = =

*Round to six decimal places

Notes:- Repeat the same calculations if there are more than 4 vehicles. Add their factors in and divide by the appropriate # of total rated drivers.

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceRate Order of CalculationExhibit 2

Factors in Calculation BI PD BIPD CSL Comp Coll UM StackingUM CSL Stacking

UIM Stacking

UIM CSL Stacking MED

Extra MED Inc Loss

Acc Death Ben

Funeral Exp

LOSS OF USE - "K" Coverages Rental Re

Glass Deductible Buyback Towing

BDOC w/Primary - BI

BDOC w/Primary - PD

{Single Limit BDOC with Primary} -

BIPDMED

on DOCExtra MED on

DOC

Acc Death Benefiton DOC

Funeral Exp on DOC

Inc Losson DOC

Extended Theft - Stereo Etc. Rental Package

Rental Camper/Trailer

Fire - Contents (Campers, Trailers) Residual Debt

Average Driver (see tab) X X Same as BI X X X Same as UM X Same as UIM X Same as

MedSame as

MedSame as

MedSame as

Med

Base Rate $ $ $ $ $ $ $ $ $ $ $ $ $ $ X (for K1) X X X X X X Same as Med Same as Extra Med

Same as Acc Death

Same as Funeral Exp

Same as Income Loss X X X X X

Household Structure Factor X X X X X X X X X X X X X XDriver-Vehicle Exposure X X X X X X X X X X X X X XRate Matrix X X X X X X X X X X X X X XZip Code X X X X X X X X X X X X X XStated Amount X XCustomization Amount X XSymbol Misc Veh Synbols - Applicable Coverages Varies By Symbol - See Symbol SheetFAS (Farmers Auto Symbol factor) X X X X X X X X X X X X X X XVehicle Type Indicator X X X X X X X X X X X X X XModel Year X X X X X X X X X X X X X X XLimit X X X X X X X X X X X X X X X X X X XDeductible X XLuxury Vehicle Factor X X X X X X X X X X X X X XHigh Performance Factor X X X X X X X X X X X X X XAlternative Fuel (Hybrid) Discount X X X X X X X X X X X X X XAnti-Theft Discount X X X X X X X X X X X X X XFull Coverage Factor X X X X X X X X X X X XEFT Discount X X X X X X X X X X X X X XAffinity Discount X X X X X X X X X X X X X XTransfer Discount X X X X X X X X X X X X X XEarly Shopping Discount X X X X X X X X X X X X X XAddress Validation Factor X X X X X X X X X X X X X XContinuous Insurance Factor X X X X X X X X X X X X X XVehicle Use Factor X X X X X X X X X X X X X XComp without Coll Factor XExcluded Driver Factor X X X X X X X X X X X X X XUM Non-Stacking Limit Factor X XUIM Non-Stacking Limit Factor X XPassive Restraint Discount X X X X X X X X X X X X X XLeased Vehicle Factor X X X X X X X X X X X X X XLimited Tort factor X X X X X X X X X X X X X X X XCommute to NY/NJ Factor X X X X X X X X X X X X X X X X X X XLoss of Use Rating Factor XAuto - Renter Discount X X X X X X X X X X X X X XAuto - Mobilehome Discount X X X X X X X X X X X X X XAuto - Farmers Specialty Discount X X X X X X X X X X X X X XFirst Party Benefits Pkg Factor X X X X X X X X X X X X X X X X X X X X X X X X X X X X XePolicy Discount X X X X X X X X X X X X X XCore Discount (MC / PIF/ Non FIG HO /Auto Home) X X X X X X X X X X X X X XAuto - Life Discount X X X X X X X X X X X X X XPolicy Term Factor X X X X X X X X X X X X X X X X X X X X X X X X X X X X XPremium = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =Cap Factor X X X X X X X X X X X X X X X X X X X X X X X X X X X X XCapped Premium = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =RLAF X X X X X X X X X X X X X X X X X X X X X X X X X X X X XFinal Premium = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =

RN: 08/25/2016

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceDriver ClassExhibit 3

Driver Class BI PD MED UM UIM COMP COLL

M15 4.0459 4.2407 2.9204 2.2036 2.2036 1.3460 3.4424M16 3.7413 3.3475 2.3650 1.7629 1.7629 1.1007 2.7229M17 3.6165 3.5134 2.4863 1.8447 1.8447 1.1809 2.8285M18 3.3129 3.3271 2.3892 1.7462 1.7462 1.1787 2.6276M19 2.7578 3.0502 2.1757 1.7040 1.7040 1.2280 2.5305M20 2.2208 2.4072 1.7466 1.5335 1.5335 1.2291 2.2171M21 1.7055 1.6539 1.1925 1.2747 1.2747 1.1405 1.7214M22 1.6353 1.6443 1.1471 1.2817 1.2817 1.2327 1.6559M23 1.4500 1.4467 0.9726 1.1238 1.1238 1.1217 1.3566M24 1.3193 1.4201 0.9819 1.1080 1.1080 1.1277 1.3236M25 1.1747 1.2375 0.9304 0.9987 0.9987 1.0039 1.1512M26 1.1387 1.1860 0.9741 0.9962 0.9962 1.0316 1.1117M27 1.0638 1.0382 0.9105 0.9037 0.9037 0.9459 0.9831M28 1.0113 1.0483 0.9512 0.9428 0.9428 0.9863 1.0051M29 0.9663 1.0126 0.9349 0.9398 0.9398 0.9646 0.9970M30 0.9721 1.0219 0.9712 0.9792 0.9792 0.9938 1.0190M31 0.9789 1.0042 0.9807 0.9909 0.9909 0.9903 1.0081M32 0.9925 0.9915 0.9938 1.0068 1.0068 0.9852 0.9989M33 0.9975 1.0240 1.0399 1.0540 1.0540 1.0141 1.0316M34 1.0025 1.0245 1.0510 1.0666 1.0666 1.0108 1.0316M35 1.0120 1.0488 1.0744 1.1124 1.1124 0.9908 1.0421M36 1.0209 1.0818 1.1040 1.1691 1.1691 0.9781 1.0585M37 1.0315 1.1143 1.1299 1.2241 1.2241 0.9654 1.0748M38 1.0352 1.1230 1.1399 1.2441 1.2441 0.9709 1.0805M39 1.0369 1.1230 1.1399 1.2515 1.2515 0.9709 1.0805M40 1.0360 1.1204 1.1300 1.2625 1.2625 0.9713 1.0785M41 1.0354 1.1166 1.1193 1.2718 1.2718 0.9719 1.0765M42 1.0337 1.1095 1.1086 1.2789 1.2789 0.9715 1.0729M43 1.0325 1.1017 1.1078 1.2804 1.2804 0.9698 1.0698M44 1.0300 1.0935 1.1078 1.2815 1.2815 0.9680 1.0667M45 1.0317 1.0816 1.1125 1.2875 1.2875 0.9618 1.0608M46 1.0320 1.0720 1.1167 1.2973 1.2973 0.9563 1.0540M47 1.0287 1.0605 1.1209 1.3104 1.3104 0.9508 1.0448M48 1.0201 1.0528 1.1204 1.3218 1.3218 0.9506 1.0376M49 1.0111 1.0446 1.1204 1.3328 1.3328 0.9506 1.0303M50 0.9756 1.0227 1.0948 1.3611 1.3611 0.9482 1.0088M51 0.9387 1.0050 1.0641 1.3875 1.3875 0.9442 0.9904M52 0.9026 0.9873 1.0282 1.4103 1.4103 0.9387 0.9723M53 0.8975 0.9853 1.0126 1.4120 1.4120 0.9343 0.9689M54 0.8979 0.9824 0.9970 1.4120 1.4120 0.9299 0.9648M55 0.9074 0.9825 0.9724 1.3592 1.3592 0.9221 0.9582M56 0.9187 0.9850 0.9507 1.3055 1.3055 0.9125 0.9539M57 0.9348 0.9875 0.9316 1.2496 1.2496 0.9024 0.9496M58 0.9487 0.9884 0.9239 1.2441 1.2441 0.8939 0.9499M59 0.9620 0.9884 0.9160 1.2370 1.2370 0.8867 0.9499M60 0.9841 1.0016 0.8983 1.2258 1.2258 0.8799 0.9539M61 1.0023 1.0172 0.8828 1.2210 1.2210 0.8729 0.9586M62 1.0191 1.0328 0.8697 1.2183 1.2183 0.8666 0.9633M63 1.0205 1.0353 0.8690 1.2220 1.2220 0.8606 0.9640M64 1.0205 1.0353 0.8686 1.2217 1.2217 0.8547 0.9640

RN: 08/25/2016



M65 1.0115 1.0339 0.8579 1.2267 1.2267 0.8350 0.9645M66 1.0071 1.0385 0.8508 1.2457 1.2457 0.8157 0.9691M67 1.0027 1.0581 0.8460 1.2703 1.2703 0.7964 0.9761M68 1.0074 1.1197 0.8528 1.2954 1.2954 0.7910 0.9848M69 1.0074 1.1197 0.8572 1.3122 1.3122 0.7833 0.9915M70 1.0119 1.1197 0.8595 1.3290 1.3290 0.7789 0.9960M71 1.0266 1.1197 0.8617 1.3458 1.3458 0.7722 1.0005M72 1.0822 1.1197 0.8639 1.3627 1.3627 0.7678 1.0050M73 1.0916 1.1197 0.8683 1.3795 1.3795 0.7600 1.0117M74 1.1426 1.1197 0.8739 1.3963 1.3963 0.7545 1.0184M75 1.2112 1.1869 0.9092 1.4466 1.4466 0.7235 1.0484M76 1.2839 1.2581 0.9579 1.5067 1.5067 0.6902 1.0971M77 1.3604 1.3336 1.0153 1.5612 1.5612 0.6513 1.1602M78 1.4408 1.4120 1.0551 1.5766 1.5766 0.6323 1.2146M79 1.5249 1.4962 1.0913 1.5766 1.5766 0.6123 1.2646M80 1.6055 1.5847 1.1307 1.5486 1.5486 0.5938 1.3351M81 1.6933 1.6695 1.1271 1.4432 1.4432 0.5732 1.3824M82 1.6969 1.6875 1.1125 1.3377 1.3377 0.5560 1.4249M83 1.7004 1.6908 1.0835 1.2602 1.2602 0.5407 1.4350M84 1.7504 1.7205 1.0863 1.2602 1.2602 0.5317 1.4550M85 1.7888 1.7345 1.0890 1.2602 1.2602 0.5242 1.4664M86 1.8104 1.7422 1.0918 1.2602 1.2602 0.5202 1.4761M87 1.8154 1.7465 1.0911 1.2602 1.2602 0.5184 1.4825M88 1.8154 1.7465 1.0871 1.2602 1.2602 0.5184 1.4857M89 1.8154 1.7465 1.0797 1.2602 1.2602 0.5184 1.4857M90 1.8154 1.7465 1.0723 1.2602 1.2602 0.5184 1.4857M91 1.8154 1.7465 1.0674 1.2602 1.2602 0.5184 1.4857M92 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M93 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M94 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M95 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M96 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M97 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M98 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857M99 1.8154 1.7465 1.0649 1.2602 1.2602 0.5184 1.4857S15 4.7183 4.7589 1.9245 1.5685 1.5685 1.0438 3.1854S16 3.7005 3.8304 1.6635 1.4858 1.4858 0.8926 2.6241S17 4.5621 4.7707 1.8810 1.5461 1.5461 1.0680 3.0575S18 4.3855 4.6736 1.7786 1.4825 1.4825 1.0683 2.8576S19 3.9138 4.0610 1.5974 1.4063 1.4063 1.0639 2.5776S20 3.2665 3.4075 1.4779 1.3581 1.3581 1.0807 2.3889S21 2.6037 2.7413 1.3835 1.3508 1.3508 1.1045 2.2625S22 2.2225 2.4091 1.3101 1.2959 1.2959 1.0933 2.1235S23 2.0184 2.2094 1.2986 1.2882 1.2882 1.1049 1.9859S24 1.8698 1.9828 1.2662 1.2346 1.2346 1.1023 1.8133S25 1.7086 1.8245 1.2241 1.2209 1.2209 1.1088 1.7143S26 1.5883 1.6660 1.1466 1.1929 1.1929 1.0960 1.6308S27 1.4326 1.5529 1.0986 1.1967 1.1967 1.0983 1.5436S28 1.3528 1.4533 1.0931 1.2018 1.2018 1.1070 1.4537S29 1.2856 1.3768 1.0948 1.2093 1.2093 1.1148 1.3773

RN: 08/25/2016



S30 1.2573 1.3123 1.1225 1.2325 1.2325 1.1045 1.3252S31 1.2295 1.2647 1.1540 1.2584 1.2584 1.0918 1.2817S32 1.2023 1.2362 1.1868 1.2849 1.2849 1.0759 1.2481S33 1.2017 1.2179 1.1950 1.2922 1.2922 1.0670 1.2266S34 1.2011 1.2015 1.2003 1.2976 1.2976 1.0602 1.2060S35 1.2033 1.1945 1.2091 1.3023 1.3023 1.0512 1.2024S36 1.2066 1.1936 1.2170 1.3081 1.3081 1.0433 1.2061S37 1.2099 1.1982 1.2231 1.3139 1.3139 1.0339 1.2150S38 1.2106 1.1989 1.2238 1.3203 1.3203 1.0283 1.2122S39 1.2106 1.1989 1.2238 1.3256 1.3256 1.0233 1.2088S40 1.2188 1.2049 1.2361 1.3400 1.3400 1.0255 1.1947S41 1.2270 1.2065 1.2496 1.3633 1.3633 1.0278 1.1809S42 1.2336 1.2050 1.2630 1.3945 1.3945 1.0301 1.1637S43 1.2306 1.1926 1.2641 1.4246 1.4246 1.0252 1.1558S44 1.2274 1.1816 1.2641 1.4539 1.4539 1.0203 1.1474S45 1.2026 1.1468 1.2517 1.4796 1.4796 0.9994 1.1411S46 1.1794 1.1153 1.2320 1.4994 1.4994 0.9791 1.1383S47 1.1546 1.0853 1.2039 1.5127 1.5127 0.9597 1.1361S48 1.1515 1.0806 1.1800 1.5229 1.5229 0.9572 1.1342S49 1.1483 1.0758 1.1550 1.5327 1.5327 0.9548 1.1321S50 1.1083 1.0583 1.1136 1.5202 1.5202 0.9458 1.1023S51 1.0675 1.0420 1.0789 1.5080 1.5080 0.9377 1.0719S52 1.0250 1.0256 1.0492 1.4926 1.4926 0.9304 1.0399S53 1.0194 1.0221 1.0408 1.4960 1.4960 0.9305 1.0347S54 1.0145 1.0188 1.0308 1.4960 1.4960 0.9305 1.0293S55 0.9841 1.0144 1.0193 1.4695 1.4695 0.9169 1.0265S56 0.9560 1.0136 1.0060 1.4360 1.4360 0.9050 1.0248S57 0.9295 1.0127 0.9946 1.4025 1.4025 0.8931 1.0235S58 0.9300 1.0146 0.9864 1.3955 1.3955 0.8948 1.0200S59 0.9300 1.0162 0.9819 1.3955 1.3955 0.8941 1.0159S60 0.9677 1.0099 0.9593 1.3803 1.3803 0.8740 0.9955S61 1.0207 1.0171 0.9348 1.3477 1.3477 0.8587 0.9882S62 1.0750 1.0246 0.9104 1.3151 1.3151 0.8418 0.9822S63 1.0930 1.0419 0.9043 1.3067 1.3067 0.8420 0.9997S64 1.1010 1.0740 0.9004 1.3067 1.3067 0.8352 0.9997S65 1.1004 1.1283 0.9444 1.3851 1.3851 0.8783 1.0596S66 1.1263 1.1814 0.9313 1.3701 1.3701 0.8646 1.0738S67 1.1548 1.1891 0.9207 1.3277 1.3277 0.8512 1.0879S68 1.1963 1.1891 0.8645 1.1704 1.1704 0.7883 1.0363S69 1.2099 1.1891 0.8680 1.1688 1.1688 0.7825 1.0468S70 1.2156 1.2117 0.8714 1.1672 1.1672 0.7786 1.0549S71 1.2156 1.2117 0.8748 1.1657 1.1657 0.7748 1.0606S72 1.2213 1.2341 0.8783 1.1641 1.1641 0.7709 1.0687S73 1.2652 1.2565 0.8817 1.1625 1.1625 0.7651 1.0791S74 1.3373 1.3254 0.8851 1.1609 1.1609 0.7593 1.1262S75 1.4130 1.3939 0.8915 1.2113 1.2113 0.7226 1.1937S76 1.4977 1.4776 0.9239 1.2170 1.2170 0.7170 1.2654S77 1.5876 1.5662 0.9652 1.2215 1.2215 0.7130 1.3413S78 1.6829 1.6602 1.0124 1.1725 1.1725 0.7414 1.4218S79 1.6829 1.7490 1.0425 1.1668 1.1668 0.7400 1.5066

RN: 08/25/2016



S80 1.7721 1.8114 1.0227 1.1022 1.1022 0.6937 1.5066S81 1.8746 1.8772 1.0377 1.0637 1.0637 0.6678 1.5429S82 1.9790 1.9467 1.0452 1.0270 1.0270 0.6372 1.5549S83 2.0884 2.0635 1.0951 1.0511 1.0511 0.6486 1.6419S84 2.1440 2.0999 1.1025 1.0511 1.0511 0.6400 1.6537S85 2.1440 2.1171 1.1100 1.0511 1.0511 0.6366 1.6661S86 2.1440 2.1181 1.1175 1.0511 1.0511 0.6366 1.6719S87 2.1440 2.1181 1.1250 1.0511 1.0511 0.6366 1.6744S88 2.1440 2.1181 1.1324 1.0511 1.0511 0.6366 1.6744S89 2.1440 2.1181 1.1399 1.0511 1.0511 0.6366 1.6744S90 2.1440 2.1181 1.1474 1.0511 1.0511 0.6366 1.6744S91 2.1440 2.1181 1.1548 1.0511 1.0511 0.6366 1.6744S92 2.1440 2.1181 1.1623 1.0511 1.0511 0.6366 1.6744S93 2.1440 2.1181 1.1698 1.0511 1.0511 0.6366 1.6744S94 2.1440 2.1181 1.1772 1.0511 1.0511 0.6366 1.6744S95 2.1440 2.1181 1.1847 1.0511 1.0511 0.6366 1.6744S96 2.1440 2.1181 1.1898 1.0511 1.0511 0.6366 1.6744S97 2.1440 2.1181 1.1924 1.0511 1.0511 0.6366 1.6744S98 2.1440 2.1181 1.1927 1.0511 1.0511 0.6366 1.6744S99 2.1440 2.1181 1.1930 1.0511 1.0511 0.6366 1.6744

Notes:(1) any driver under age 15, use factors for age 15(2) any driver over age 99, use factors for age 99

RN: 08/25/2016

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceBase Rates and Policy TermExhibit 10

BASE RATES

COVERAGE Base RateBodily Injury (BI) 133.9571Property Damage (PD) 65.2692Medical (MED) 94.0000Extraordinary Medical (MED) 38.1018Income Loss 23.6470Accidental Death Benefit 3.8519Funeral Expenses 1.2633Uninsured Motorists BI (UM) - Stacking 8.0674Underinsured Motorists BI (UIM) - Stacking 12.3783Comprehensive (COMP) 74.1699Collision (COLL) 161.9916Towing and Labor (TOWING) 6.7531Rental Reimbursement - $50 per day 37.8592Rental Reimbursement - $100 per day 75.8311BDOC with Primary - BI 5.9980BDOC with Primary - PD 3.4144Med on DOC 3.5838Extraordinary Medical on DOC 1.0877Income Loss on DOC on DOC 0.6751Accidental Death Benefit on DOC 0.1100Funeral Expenses on DOC 0.0360

Loss of Use 15.8301

Glass Ded BB100.00 n/a250.00 11.1127500.00 19.5359750.00 21.36471000.00 22.10761500.00 22.71192500.00 23.0458

Policy Term6 1.000012 2.0000

DOC - Drive Other Car

RN: 08/25/2016

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceExcluded Driver FactorExhibit 33

Child Spouse Parent Other1 BI PD MED UM UIM COMP CollN N N N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N N N Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N N Y N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N N Y Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N Y N N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N Y N Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N Y Y N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000N Y Y Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y N N N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y N N Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y N Y N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y N Y Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y Y N N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y Y N Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y Y Y N 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000Y Y Y Y 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1 If the named insured is excluded from coverage, treat as "Other"

Child = son or daughter, or grandchildParent = parent, in-laws, or resident relative > 64

RN: 08/25/2016

State of: PennsylvaniaMid-Century Insurance CompanyFA2 Rate ProgramPrivate Passenger Automobile InsuranceCamper/Trailer CoverageExhibit 51

Amount of Insurance (100% to Actual Cash

Value)COMP COLL

$0 - $1,050 $2.4480 $2.5368 $1,051 - $1,300 $3.5700 $2.8539 $1,301 - $1,600 $3.8760 $3.3824 $1,601 - $1,900 $4.2840 $4.0166 $1,901- $2,400 $5.3040 $5.0736 $2,401 - $3,000 $6.9360 $6.7648 $3,001 - $4,000 $8.6700 $8.6674 $4,001 - $5,000 $11.3220 $11.2042 Factor$5,001 - $6,000 $14.0760 $13.6353 1.0000$6,001 - $7,000 $16.3200 $15.5379 0.5271

$7,001 - $8,000 $19.0740 $17.9690 $8,001 - $9,000 $21.7260 $20.4001 COMP COLL

$9,001 - $10,000 $23.6640 $22.7255 Base Rate x x$10,001 - $12,000 $26.4180 $25.7908 Deductible factor x x$12,001 - $14,000 $30.2940 $29.1732 Owned camper factor x x$14,001 - $16,000 $34.1700 $32.6613 Policy term factor x x$16,001 - $18,000 $38.0460 $36.5722 Developed Premium = =$18,001 - $20,000 $41.8200 $39.9546 $20,001 - $22,000 $45.1860 $42.9142 $22,001 - $24,000 $48.9600 $46.4023 $24,001 - $26,000 $52.6320 $49.8904 $26,001 - $28,000 $55.8960 $52.8500 $28,001 - $30,000 $59.6700 $56.2324 $30,001 - and up $89.6580 $83.9258

Unit is a Camper

$0.50 per $100 of value is used.

Then the policy term factor applies.

Owned Camper FactorUnit is a Trailer

BASE RATE - one for each Amt of Insurance.

Top row is COMP, "Fire - Contents" Coverage

(Contents in a camper or trailer)Code 20300 and 21006

A base rate of

Exhibit 12

PennsylvaniaMid‐Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBase Rate

Coverage Factor Amt.Accidental Death Benefit 2.5411

BI 132.3667COLL 199.2754COMP 85.1576

Funeral Expenses 0.9716Income Loss Benefits 11.4349

MED 50.8161MED ‐ Extraordinary 41.0386

PD 103.2737UIM 18.5331UM 9.9940

Effective:

NB 07/27/2016

RN 08/25/2016

Exhibit 73

PennsylvaniaMid‐Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBDOC Rate

Coverage Factor Amt.BDOC BI with Primary 8.3159 Notes:

BDOC MED 4.8244 BDOC = Broad Form Drive Other CarBDOC PD with Primary 4.6818 DOC = Drive Other Car

DOC Accidental Death Benefit 2.6775DOC Funeral Expenses 1.0238

DOC Income Loss Benefits 12.0489DOC MED ‐ Extraordinary 43.2421

Effective:

NB 07/27/2016

RN 08/25/2016

Exhibit 74

PennsylvaniaMid‐Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceLoss of Use Factor

Loss of Use Factor Amt.Base Rate 21.9884 Notes:

K4 2.5000 K4 = Loss of Use Option ($25/day)K5 5.0000 K5 = Loss of Use Option ($50/day)

Effective:

NB 07/27/2016

RN 08/25/2016

Exhibit 76

PennsylvaniaMid‐Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceGlass Deductible Buyback Base Rate

COMP Deductible Factor Amt.250 15.5876500 27.4023750 29.96761000 31.00941500 31.85732500 32.3255

Effective:

NB 07/27/2016

RN 08/25/2016

Exhibit 78

PennsylvaniaMid‐Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceRental Coverage

Coverage Factor Amt.RENTAL RE ($30 per day) 31.3658RENTAL RE ($50 per day) 52.1213RENTAL RE ($100 per day) 104.3976

Effective:

NB 07/27/2016

RN 08/25/2016

Exhibit 80

PennsylvaniaMid‐Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCamper Trailer Base Rates

ACV Range COMP COLL Notes:0 ‐ 1050 4.4780 3.4976 1. ACV Range reflects Amount of Insurance

1051 ‐ 1300 6.5304 3.9348 (100% to Actual Cash Value)1301 ‐ 1600 7.0900 4.66361601 ‐ 1900 7.8366 5.53811901 ‐ 2400 9.7023 6.99532401 ‐ 3000 12.6875 9.32703001 ‐ 4000 15.8595 11.95014001 ‐ 5000 20.7107 15.44775001 ‐ 6000 25.7485 18.79986001 ‐ 7000 29.8532 21.42287001 ‐ 8000 34.8911 24.77498001 ‐ 9000 39.7420 28.12689001 ‐ 10000 43.2871 31.332810001 ‐ 12000 48.3251 35.559112001 ‐ 14000 55.4151 40.222814001 ‐ 16000 62.5051 45.031916001 ‐ 18000 69.5949 50.423918001 ‐ 20000 76.4989 55.087620001 ‐ 22000 82.6557 59.168122001 ‐ 24000 89.5596 63.977624001 ‐ 26000 96.2765 68.786626001 ‐ 28000 102.2474 72.867128001 ‐ 30000 109.1510 77.530430001 ‐ 999999 164.0061 115.7130

Effective:

NB 07/27/2016

RN 08/25/2016

Commonwealth of Pennsylvania Mid‐Century Insurance Company

FSPA Program Private Passenger Automobile Rules

07/27/2016 Page 12

Rule Number: P08

Rule Description: Reserved for Future Use

Rule Number: P09


Rule Number: P10


Rule Number: P11

Rule Description: Summary of Coverages Offered

This program offers the following coverages: Bodily Injury, Property Damage, First Party Benefits, Comprehensive, Collision, Uninsured and Underinsured Motorist Bodily Injury, Glass Deductible Buyback, Loss of Use, Rental Reimbursement , Towing and Roadside Services , Broad Form Use of Other Automobiles, Residual Debt Coverage, Camper and Travel Trailer, Customized Equipment, New Car Replacement, Original Equipment Manufactured (OEM) parts, and Accident Forgiveness.

Rule Number: P12

Rule Description: Bodily Injury Limits

Bodily Injury limits are required to be greater than or equal to the minimum financial responsibility limits required by law in any state in which a vehicle is garaged for more than two (2) months out of the year. All vehicles on the policy must carry the same limits.

Rule Number: P13

Rule Description: Property Damage Limits

Property Damage limits are required to be greater than or equal to the minimum financial responsibility limits required by law in any state in which a vehicle is garaged for more than two months out of the year. All vehicles on the policy must carry the same limits.

Rule Number: P14

Rule Description: Uninsured Motorist (UM) and UnderInsured Bodily Injury (UIM) Limits

These coverages are mandatory as required by law, but can be rejected in writing. UM and UIM premiums are at vehicle level. Limits cannot exceed the Bodily Injury liability limits. If a UM or UIM increased limits rejection form is not signed, UM or UIM coverage will be automatically added for an additional premium to the policy at limits equal to the selected Bodily Injury limits. Limits are available stacked and unstacked.

Rule Number: P15




07/27/2016 Page 13

Rule Number: P16

Rule Description: First Party Benefits

First Party Benefits are available at the following limits:

Medical Expenses Income Loss Accidental Death Funeral Benefit

$5,000 $1K mo/$5K agg $5,000 $1,500

$10,000 $1K mo/$15K agg $10,000 $2,500

$25,000 $1.5K mo/$25K agg $25,000

$50,000 $2.5K mo/$50K agg

$100,000

As an alternative to purchasing these coverages separately, the insured may purchase a Combination First Party Benefits package,

which provides a $177,500 aggregate limit per person, subject to a $100,000 limit for Medical Expenses, $2.5K mo/$50K aggregate

limit for Income Loss, $25,000 limit for the Accidental Death Benefit and a $2,500 limit for the Funeral Benefit.

Extraordinary Medical Benefits coverage is available and provides medical benefits of $1 million in excess of a $100,000 attachment

point for underlying Medical Expenses Coverage.

Rule Number: P17


Rule Number: P18

Rule Description: Accident Forgiveness

Provided accident forgiveness when all drivers in the household meet the following eligibility requirements:

1. Age < 21: 0 chargeable at‐fault accidents, no more than 1 minor or speeding citations, 0 major or DUI citations and at least 3 years of driving experience. If driver has less than 3 years of driving experience they must have a qualifying parent in the household.

2. Age 21‐24: 0 chargeable at‐fault accidents, no more than 1 minor or speeding citations, 0 major or DUI citations and at least 3 years of driving experience.

3. Age 25+: 0 chargeable at‐fault accidents, no more than 2 minor or speeding citation, 0 major or DUI citations and at least 3 years of driving experience.

4. Bodily Injury, Property Damage, and UM/UIM must be present for each vehicle.

5. Accident forgiveness applies once in 3 years, calculated at the household level.

If a new customer to Farmers Smart Plan Auto (FSPA) has the Accident Forgiveness benefit on an in force Farmers policy from one of the Farmers branded companies at the time of a move across state lines, and they purchase an FSPA policy as a replacement policy, we will continue to waive any accident previously forgiven, provided they purchase Accident Forgiveness as part of the FSPA policy.

Rule Number: P19




07/27/2016 Page 14

Rule Number: P20

Rule Description: Physical Damage Deductibles

We do not write Physical Damage only policies. We will allow Comprehensive coverage only on a vehicle provided liability exists on at least 1 other vehicle on the policy (a surcharge will apply). Comprehensive coverage may be purchased without Collision coverage (a surcharge will apply). Comprehensive/Collision coverage will only be allowed on vehicles 1971 and newer. Physical Damage coverage does not have to be selected for each vehicle on a multi‐vehicle policy. Only equipment that is permanently installed by the original manufacturer is covered under Comprehensive/Collision coverages. To cover other permanently installed equipment, select Customized Equipment coverage.

Rule Number: P21

Rule Description: Broad Form Use of Other Automobiles

The Broad Form Use of Other Automobiles endorsement may be added to a policy affording Bodily Injury, Property Damage and First Party Benefits with respect to the described automobiles. It extends the coverage to apply to the Named Insured while using any non‐owned automobile, regularly or frequently used by the Named Insured in his occupation or otherwise, except an automobile owned by the Named Insured or a member of his household. Coverage does not apply to the owner of the vehicle the Insured is using, nor to any governmental agency or political subdivision. It does not apply to Business Use of an automobile unless it is being operated or occupied by the Named Insured, nor to any accident arising out of the operation of an automobile business. The Bodily Injury and Property Damage limits applicable to the Broad Form Use of Other Automobiles endorsement are identical to the limits on the unendorsed policy. First Party Benefits coverage on the endorsement may also be elected, if the unendorsed policy provided First Party Benefits coverage. The endorsement does not afford coverage for Comprehensive car damage or Collision.

Rule Number: P22


Rule Number: P23

Rule Description: Youthful Driver Factor

A factor is applied to all vehicles on the policy when there is a licensed single driver under the age of 25 who is a child/grandchild of the Primary Named Insured.

1. The factor is determined by the age of the youngest qualifying driver and market tier.

2. Youthful drivers must not be discovered as a result of claims discovery to qualify.

3. Applies to policies at new business and up until 1 year household tenure with Farmers Smart Plan Auto.

4. Cannot be combined with Youthful Driver Discount.



07/27/2016 Page 15

Rule Number: P24

Rule Description: Youthful Driver Discount

A discount is applied to all vehicles on the policy when there is a licensed single driver under the age of 25 who is a child/grandchild of the Primary Named Insured.

1. The factor is determined by the age of the youngest qualifying youthful driver, market tier and tenure with the Farmers Smart Plan Auto.

2. Youthful drivers must not be discovered as a result of claims discovery to qualify. 3. The policy must be in force with Farmers Smart Plan Auto for at least 12 months before the discount applies. 4. Cannot be combined with the Youthful Driver Factor.

The discount will be applied at the earliest of:

1. Endorsement date when adding the minor child to the policy. 2. First renewal upon meeting the 12 month requirement.

Rule Number: P25

Rule Description: Early Shopping Factor

A factor is applied to all vehicles on a policy when the policy is quoted at least 7 days prior to the policy effective date, and the Primary Named Insured has prior insurance with no lapse in coverage, and the Primary Named Insured and the spouse of the Primary Named Insured, if applicable, are 19 years old or older. The factor will also be based on tenure with Farmers Smart Plan Auto, market tier and policy term selected. The discount does not apply if the prior carrier of the Primary Named Insured is any of the Farmers Group of Companies.

Rule Number: P26

Rule Description: On‐Your‐Own Discount

A discount is applied to all vehicles on a policy being split from their existing household into a new household if the following qualifications are met:

1. The Primary Named Insured must be a driver under the age of 25, and 2. Primary Named Insured was an active driver on a Farmers Insurance Group policy in their prior household for at least

12 months.

Rule Number: P27

Rule Description: Shared Family Car Discount

A discount is applied to all vehicles on the policy when there is a single driver up to age 20 in the household and there are more active drivers than vehicles in the household. Vehicles defined as Storage use are excluded from the vehicle count in the application of this discount.

Rule Number: P28

Rule Description: Good Payer Discount

A discount is applied to all vehicles on the policy if there are no late fees in the previous 12 months. Discount applies at new business and is re‐evaluated at each renewal. The previous 12 months is defined to be the 12 months ending 59 days before the renewal effective date.



07/27/2016 Page 16

Rule Number: P29

Rule Description: Affinity Discount

A discount is applied to all vehicles on the policy when the Primary Named Insured or spouse is employed with or retired from an approved affinity group. The discount will not be removed on subsequent renewals after initial qualification.

Rule Number: P30

Rule Description: ePolicy Discount

A discount is applied to all vehicles on a policy when the insured enrolls in ePolicy.

Rule Number: P31

Rule Description: Multi‐Policy Discount – Auto(/Home/Renter/Mobile‐Home/Brokered Home)

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded home, renters or mobile‐home policy, or a Kraft Lake brokered home policy. Selection of one cross sell discount based on the residency policy type (home, renters, mobile‐home, or brokered home) is allowed. Insureds with more than 1 such policy type will receive the highest applicable discount.

Rule Number: P32

Rule Description: Multi‐Policy Discount – Auto(/Boat/Watercraft) Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded boat or watercraft policy written within the Foremost Insurance Group. The zip code of the Boat or Watercraft policy must match the zip code of the auto policy.

Rule Number: P33

Rule Description: Multi‐Policy Discount – Auto/Motorcycle Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded motorcycle policy written within the Foremost Insurance Group. Motorcycles insured on Antique or Modified Auto policies are NOT eligible for the discount. The zip code of the Motorcycle policy must match the zip code of the auto policy.

Rule Number: P34

Rule Description: Multi‐Policy Discount – Auto/Motorhome Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded motorhome policy written within the Foremost Insurance Group. The zip code of the Motorhome policy must match the zip code of the auto policy.

Rule Number: P35

Rule Description: Multi‐Policy Discount – Auto/Recreational Vehicle Discount



07/27/2016 Page 17

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded recreational vehicle policy written within the Foremost Insurance Group. The zip code of the Recreational Vehicle must match the zip code of the auto policy.

Rule Number: P36

Rule Description: Multi‐Policy Discount – Auto/Umbrella Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Personal Umbrella policy insured within the Farmers Group of Companies.

Rule Number: P37

Rule Description: Multi‐Policy Discount – Auto/Business Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded business policy, including a commercial policy where the Primary named Insured or spouse is an officer of a Corporation or a Partner in a Partnership covered by the commercial policy.

Rule Number: P38

Rule Description: Multi‐Policy Discount – Auto/Life Discount

A factor is applied to all vehicles on a policy when the Primary Named Insured or spouse is also the owner of a Term, Whole Life, Universal Life or Variable Universal Life policy with a face amount of $50,000 or greater issued for an adult insured (age 18 or older) by Farmers Life. Farmers® Graded Death Benefit Whole Life (FGDBWL) policies also qualify regardless of face amount.

Rule Number: P39

Rule Description: Monthly Pay Plan Factor

A factor is applied to all vehicles on a policy when a monthly pay plan is selected.

Rule Number: P40

Rule Description: EFT Discount

A discount is applied to all vehicles on a policy when monthly installment premiums are paid via automatic recurring Electronic Funds Transfer (EFT).

Rule Number: P41

Rule Description: Paid‐In‐Full Discount

A discount is applied to all vehicles on a policy if:

1. At policy inception, the Primary Named Insured selects a 1‐pay payment plan and pays 100% of the full‐term policy premium, or

2. At renewal, the Primary Named insured pays 100% of the full‐term premium prior to the renewal date (not applicable to monthly pay plans).

Rule Number: P42

Rule Description: Multi‐Car Discount



07/27/2016 Page 18

A discount is applied to all vehicles on a policy if there is more than 1 vehicle in the household.

Rule Number: P43

Rule Description: Homeowner Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse own a home, townhouse or condominium and reside in the residence that they own.

Rule Number: P44

Rule Description: Address Validation Factor

A factor is applied to all vehicles on a policy and will be determined by comparing the garaging ZIP Code provided by the customer for the first vehicle on the policy and the ZIP Code returned from the third party report that is ordered by the Company. If our third party report does not report a zip code, we will assume that there is no discrepancy.

Rule Number: P45

Rule Description: Policy Term

A 6‐month term is available.

Rule Number: P46


Rule Number: P47

Rule Description: Rate Level Adjustment Factor

The rate level adjustment factor is applied outside of other Rate Order Calculation (ROC) variables and Rate Stability. The factors are applied based on the policy’s original inception date.

Rule Number: P48

Rule Description: Reinstatement Factor

A factor is applied to all vehicles on a policy based on the number of reinstatements with a lapse that occurred on the policy within the past 12 months (365 days). This factor will be calculated at each reinstatement greater than 60 days and at renewal.

Rule Number: P49

Rule Description: Deceased Driver Stabilization

A large increase in auto insurance premiums can cause significant customer disruption and dissatisfaction. We have a process that will prevent a mid‐term premium increase due to death of a household driver.

When a driver on a policy passes away, the premium will be re‐calculated to reflect the change in policy. If the change results in a policy premium that is higher than the current premium, then no mid‐term premium increase will occur. The policy will incur the associated premium increase related to this change upon subsequent renewals subject to rate capping.



07/27/2016 Page 24

Rule Number: V09

Rule Description: Rental Reimbursement Coverage

Rental Reimbursement may be purchased for any vehicle covered by Comprehensive and Collision coverages. The coverage reimburses the Insured for the lesser of actual daily rental charges or the purchased limit option for a maximum of 30 days for each qualified disablement on a covered vehicle. Qualified disablement means a loss covered by the Comprehensive or Collision sections of the policy.

Rule Number: V10

Rule Description: Towing and Roadside Assistance

Towing and Roadside Service may be purchased for any vehicle. The coverage reimburses the Insured for each disablement on a covered vehicle.

Rule Number: V11

Rule Description: Residual Debt Coverage

Residual Debt Coverage provides coverage to pay the additional cost of terminating a finance contract in the event that the vehicle is a total loss. The maximum benefit is 25% of the vehicle actual cash value at the time of loss.

Rule Number: V12


Rule Number: V13

Rule Description: Camper and Travel Trailer Coverage

Camper and travel trailer coverage provides coverage for an owned camper or travel trailer when used with a Private Passenger Automobile. Campers and travel trailers are automatically covered for BIPD without any additional premium charge when used with a Private Passenger Automobile. Campers and travel trailers may be insured for comprehensive and collision coverage with an additional premium charge. Camper deductibles must match the Private Passenger Automobile. Comprehensive and Collision coverage on campers and travel trailers must be carried at 100% of actual cash value. Camper or travel trailer contents may also be insured against loss by fire when the camper or travel trailer is insured for comprehensive coverage. The base rate is per $100 of value.

Rule Number: V14

Rule Description: New Car Replacement

In the event of a total loss, settlement will be based on the cost to replace the covered vehicle without depreciation for covered loss repair and is limited to 2 years from the original purchase date or 24,000 miles, whichever comes first. Comprehensive and Collision coverages are required for New Car Replacement.

Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: N/AAttachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:

Attachment(s):Appendix A - Statewide Written Premium.pdfAppendix B - Histogram.pdfPennsylvania_Filing_Exhibits_Auto_Qtr42015.pdfEx 0 Auto Filing Memo - PA.pdf

Item Status:Status Date:

Satisfied - Item: Supporting Exhibits in Excel formatComments:Attachment(s): Pennsylvania_Filing_Exhibits_Auto_Qtr42015.xlsxItem Status:Status Date:

Satisfied - Item: FSPA Rule Guide (markup version)Comments:Attachment(s): PA FSPA FRG_07_27_2016_markup.pdfItem Status:Status Date:







Attachment Pennsylvania_Filing_Exhibits_Auto_Qtr42015.xlsx is not a PDF document and cannot bereproduced here.







State of: Pennsylvania Appendix A

COVERAGECIVIC PROPERTY &

CASUALTY COMPANYFARMERS NEW CENTURY

INSURANCE COMPANY

MID-CENTURY INSURANCE COMPANY -

FA2TRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC. TOTALBI 0 0 20,481,216 0 0 20,481,216PD 0 0 17,034,391 0 0 17,034,391UM 0 0 7,830,606 0 0 7,830,606

COMP 0 0 10,607,520 0 0 10,607,520COLL 0 0 33,730,159 0 0 33,730,159

MEDNF 0 0 10,661,026 0 0 10,661,026OTHER 0 0 892,405 0 0 892,405Total 0 0 101,237,323 0 0 101,237,323



INSURANCE COMPANY


FA2TRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC. TOTALBI 0.0% 0.0% 5.0% 0.0% 0.0% 5.0%PD 0.0% 0.0% 6.0% 0.0% 0.0% 6.0%UM 0.0% 0.0% 2.0% 0.0% 0.0% 2.0%

COMP 0.0% 0.0% 2.0% 0.0% 0.0% 2.0%COLL 0.0% 0.0% 5.7% 0.0% 0.0% 5.7%

MEDNF 0.0% 0.0% 17.0% 0.0% 0.0% 17.0%OTHER 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%Total 0.0% 0.0% 6.0% 0.0% 0.0% 6.0%



INSURANCE COMPANY


FA2TRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC.BI 0.0% 0.0% 5.0% 0.0% 0.0%PD 0.0% 0.0% 6.0% 0.0% 0.0%UM 0.0% 0.0% 2.0% 0.0% 0.0%

COMP 0.0% 0.0% 2.0% 0.0% 0.0%COLL 0.0% 0.0% 5.7% 0.0% 0.0%

MEDNF 0.0% 0.0% 17.0% 0.0% 0.0%OTHER 0.0% 0.0% 0.0% 0.0% 0.0%Total 0.0% 0.0% 6.0% 0.0% 0.0%



INSURANCE COMPANY


FA2TRUCK INSURANCE

EXCHANGE

FARMERS INSURANCE

COMPANY, INC. TOTALBI 0 0 1,024,061 0 0 1,024,061PD 0 0 1,022,063 0 0 1,022,063UM 0 0 156,612 0 0 156,612

COMP 0 0 212,150 0 0 212,150COLL 0 0 1,922,619 0 0 1,922,619

MEDNF 0 0 1,812,374 0 0 1,812,374OTHER 0 0 0 0 0 0Total 0 0 6,149,880 0 0 6,149,880

DOLLAR AMOUNT OF CHANGE by COMPANY

EFFECT BY COVERAGE BY COMPANY

WRITTEN PREMIUM by COMPANY

IMPACT OF PROGRAM TO TOTAL ALL PROGRAMS [(INDIV PROG EFFECT X INDIV PROG WP)/(TOTAL WP)]

Appendix B

Rate Change Distribution Count

x < ‐10.0% 0.0% 0

‐8.0% < x ≤ ‐10.0% 0.0% 2

‐6.0% < x ≤ ‐8.0% 0.0% 21

‐4.0% < x ≤ ‐6.0% 0.1% 81

‐2.0% < x ≤ ‐4.0% 0.2% 124

0.0% < x ≤ ‐2.0% 0.8% 513

2.0% < x ≤ 0.0% 1.3% 842

4.0% < x ≤ 2.0% 3.4% 2,181

6.0% < x ≤ 4.0% 20.9% 13,424

8.0% < x ≤ 6.0% 63.7% 40,830

10.0% < x ≤ 8.0% 8.3% 5,300

12.0% < x ≤ 10.0% 1.1% 720

14.0% < x ≤ 12.0% 0.1% 60

16.0% < x ≤ 14.0% 0.0% 7

18.0% < x ≤ 16.0% 0.0% 4

20.0% < x ≤ 18.0% 0.0% 3

x > 20.0% 0.0% 0

Overall 100.0% 64,112

Rate Change Histogram

Pennsylvania

Mid Century Insurance Company

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

Rate Change ‐ Policies Distribution

Exhibit A

Page 1 of 63

All CompaniesPennsylvania

Line of Business: AutoEvaluation Date: 2015 Quarter 4

Table 1:(1) (2) (3) (4) (5)

Coverage12-month Prem @

Current Rates

Non-Credibility Weighted Indicated

Changes

Credibility Weighted Indicated

Changes Inforce PremiumSelected Changes:

FA2Bodily Injury 20,707,238 56.9% 56.9% 15,202,604 5.00%Property Damage 19,641,740 59.8% 59.8% 13,759,069 6.00%Uninsured Motorists 7,832,066 33.5% 20.8% 6,155,619 2.00%Comprehensive 9,270,807 43.3% 43.3% 7,770,641 2.00%Collision 30,747,258 59.8% 59.8% 25,685,067 5.70%Medical/No Fault 9,511,588 132.7% 132.7% 7,595,957 17.00%Other Coverages 849,861 0.0% 0.0% 662,497 0.00%Overall 98,560,558 62.1% 61.1% 76,831,454 6.01%

Table 2:(1) (2) (3) (4)

Coverage

Non-Credibility Weighted Indicated

Changes* FSPA/FA2 RelativityFSPA Indicated

Changes**Selected Changes:

FSPABodily Injury 56.9% 1.021 53.7% 5.00%Property Damage 59.8% 1.113 43.5% 4.50%Uninsured Motorists 33.5% 1.056 26.4% 2.00%Comprehensive 43.3% 0.905 58.3% 5.00%Collision 59.8% 0.982 62.8% 6.00%Medical/No Fault 132.7% 0.958 142.9% 16.00%Other Coverages 0.0% 1.000 0.0% 0.00%Overall 62.1% 1.000 62.1% 6.05%* (1) = (2) from Table 1**(3) = [ 1 + (1)]/(2) - 1

Effective Date: 8/25/2016Indication by Coverage

Farmers Auto 2.0 (FA2) and Farmers Smart Plan Auto (FSPA)

Exhibit B-1

Page 2 of 63

Company: All CompaniesState: PennsylvaniaCoverage: Bodily Injury

Rate Level Indication[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

Direct Direct BI BI =[3]x[4]x[5] BI BI BI =([10]÷[6])+[11]Collected Earned Historical Future BI Trended Ultimate Historical Future BI Trended Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses & A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor DCC Ratio LAE Ratio Claims Weights

2013 Q1 4,700 1,060,397 1,210,924 0.8295 0.8956 899,683 713,736 1.0110 0.9834 709,617 11.0% 89.9% 55 0.00%2013 Q2 6,127 1,335,252 1,509,761 0.8601 0.8956 1,162,987 682,133 1.0100 0.9834 677,520 11.0% 69.3% 60 0.00%2013 Q3 7,532 1,588,881 1,840,666 0.8575 0.8956 1,413,687 1,188,183 1.0090 0.9834 1,178,970 11.0% 94.4% 75 0.00%2013 Q4 8,962 1,823,113 2,150,125 0.8616 0.8956 1,659,136 1,065,620 1.0080 0.9834 1,056,302 11.0% 74.7% 86 0.00%2014 Q1 10,245 2,067,085 2,439,691 0.8826 0.8956 1,928,473 2,209,787 1.0070 0.9834 2,188,280 11.0% 124.5% 139 12.50%2014 Q2 12,340 2,445,799 2,887,258 0.8982 0.8956 2,322,681 2,309,961 1.0060 0.9834 2,285,197 11.0% 109.4% 164 12.50%2014 Q3 14,761 2,845,062 3,375,925 0.9132 0.8956 2,761,270 2,691,034 1.0050 0.9834 2,659,530 11.0% 107.3% 194 12.50%2014 Q4 17,496 3,310,290 3,955,898 0.9273 0.8956 3,285,565 2,324,173 1.0040 0.9834 2,294,672 11.0% 80.8% 190 12.50%2015 Q1 20,012 3,718,601 4,449,843 0.9416 0.8956 3,752,570 2,233,878 1.0030 0.9834 2,203,323 11.0% 69.7% 188 12.50%2015 Q2 23,132 4,235,975 4,994,595 0.9558 0.8956 4,275,445 2,228,590 1.0020 0.9834 2,195,915 11.0% 62.4% 196 12.50%2015 Q3 25,946 4,734,968 5,472,470 0.9748 0.8956 4,777,913 4,704,803 1.0010 0.9834 4,631,198 11.0% 107.9% 256 12.50%2015 Q4 27,797 5,161,155 5,790,330 1.0000 0.8956 5,186,068 4,948,238 1.0000 0.9834 4,865,966 11.0% 104.8% 275 12.50%

[15] Weighted Loss Ratio 95.9%[16] Permissible Loss and LAE Ratio 61.1%[17] Non- Credibility Weighted Indicated Change 56.9%[18] Ultimate Incurred Claims 1,602

Notes: Effective date: 08/25/2016 [19] Credibility 1.000[1] From internal report [20] Pure Premium Trend 3.7%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 56.9%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit H for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] [(17) / 1084] ^ 0.50[20] {{[1.00 + -0.013] / [1.00 + -0.082]} ^ 0.50} - 1.00. Refer to Exhibits D and E for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Exhibit B-2

Page 3 of 63

Company: All CompaniesState: PennsylvaniaCoverage: Property Damage


Direct Direct PD PD =[3]x[4]x[5] PD PD PD =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future PD Trended Ultimate Historical Future PD Trended Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses & A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor DCC Ratio LAE Ratio Claims Weights

2013 Q1 4,700 667,630 1,269,779 0.7536 0.8950 856,460 786,129 0.9407 0.9744 720,582 11.0% 95.1% 255 0.00%2013 Q2 6,127 867,357 1,593,494 0.7727 0.8950 1,102,063 961,549 0.9459 0.9744 886,291 11.0% 91.4% 361 0.00%2013 Q3 7,532 1,098,495 1,832,799 0.8193 0.8950 1,344,017 1,244,104 0.9512 0.9744 1,153,127 11.0% 96.8% 390 0.00%2013 Q4 8,962 1,321,544 2,066,864 0.8673 0.8950 1,604,430 1,763,591 0.9565 0.9744 1,643,741 11.0% 113.5% 528 0.00%2014 Q1 10,245 1,482,054 2,311,993 0.8869 0.8950 1,835,328 1,807,661 0.9618 0.9744 1,694,212 11.0% 103.3% 563 0.00%2014 Q2 12,340 1,756,320 2,740,404 0.9005 0.8950 2,208,647 2,008,047 0.9672 0.9744 1,892,518 11.0% 96.7% 632 0.00%2014 Q3 14,761 2,040,307 3,199,953 0.9166 0.8950 2,625,193 2,241,793 0.9726 0.9744 2,124,599 11.0% 91.9% 734 0.00%2014 Q4 17,496 2,368,233 3,740,671 0.9333 0.8950 3,124,566 2,938,492 0.9780 0.9744 2,800,407 11.0% 100.6% 913 0.00%2015 Q1 20,012 2,680,393 4,222,249 0.9454 0.8950 3,572,680 3,645,666 0.9835 0.9744 3,493,726 11.0% 108.8% 1,068 25.00%2015 Q2 23,132 3,187,288 4,756,259 0.9568 0.8950 4,072,952 3,737,393 0.9889 0.9744 3,601,605 11.0% 99.4% 1,166 25.00%2015 Q3 25,946 3,723,340 5,194,735 0.9787 0.8950 4,550,548 3,912,834 0.9945 0.9744 3,791,700 11.0% 94.3% 1,144 25.00%2015 Q4 27,797 4,314,216 5,468,497 1.0000 0.8950 4,894,397 3,863,485 1.0000 0.9744 3,764,758 11.0% 87.9% 1,274 25.00%



Exhibit B-3

Page 4 of 63

Company: All CompaniesState: PennsylvaniaCoverage: Uninsured Motorist


Direct Direct UM UM =[3]x[4]x[5] UM UM UM =([10]÷[6])+[11]Collected Earned Historical Future UM Trended Ultimate Historical Future UM Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2013 Q1 4,187 403,480 666,251 0.5860 0.9399 366,925 219,313 1.0110 0.9834 218,047 11.0% 70.4% 8 8.25%2013 Q2 5,441 511,714 787,835 0.6431 0.9399 476,154 69,232 1.0100 0.9834 68,764 11.0% 25.4% 9 8.25%2013 Q3 6,625 600,587 790,322 0.7696 0.9399 571,633 180,083 1.0090 0.9834 178,687 11.0% 42.3% 9 8.25%2013 Q4 7,786 693,417 824,105 0.8762 0.9399 678,686 382,571 1.0080 0.9834 379,226 11.0% 66.9% 20 8.25%2014 Q1 8,809 763,087 903,327 0.9037 0.9399 767,199 485,093 1.0070 0.9834 480,372 11.0% 73.6% 24 8.25%2014 Q2 10,514 885,155 1,048,042 0.9274 0.9399 913,521 608,202 1.0060 0.9834 601,682 11.0% 76.9% 25 8.25%2014 Q3 12,560 1,031,686 1,227,848 0.9435 0.9399 1,088,808 1,084,939 1.0050 0.9834 1,072,237 11.0% 109.5% 29 8.25%2014 Q4 14,922 1,216,687 1,458,326 0.9508 0.9399 1,303,167 1,477,527 1.0040 0.9834 1,458,773 11.0% 122.9% 30 8.25%2015 Q1 17,132 1,372,983 1,649,202 0.9625 0.9399 1,491,919 956,025 1.0030 0.9834 942,949 11.0% 74.2% 33 8.50%2015 Q2 19,941 1,579,385 1,884,357 0.9738 0.9399 1,724,694 1,205,043 1.0020 0.9834 1,187,375 11.0% 79.8% 44 8.50%2015 Q3 22,514 1,774,612 2,088,744 0.9811 0.9399 1,925,951 1,992,344 1.0010 0.9834 1,961,175 11.0% 112.8% 69 8.50%2015 Q4 24,211 1,972,415 2,209,763 1.0000 0.9399 2,076,858 2,339,881 1.0000 0.9834 2,300,977 11.0% 121.8% 91 8.50%

[15] Weighted Loss Ratio 81.5%[16] Permissible Loss and LAE Ratio 61.1%[17] Non- Credibility Weighted Indicated Change 33.5%[18] Ultimate Incurred Claims 390


Exhibit B-4

Page 5 of 63

Company: All CompaniesState: PennsylvaniaCoverage: Comprehensive

Rate Level Indication[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [13a] [14]

Direct Direct COMP COMP =[3]x[4]x[5] COMP COMP COMP =[7]x[8]x[9]x[10] =([11]÷[6])+[12]Collected Earned Historical Future COMP Trended Ultimate Historical Future Catastrophe Cat-Adjusted Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Adjustment Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2013 Q1 3,726 501,883 550,140 0.8031 0.9417 416,052 273,577 1.1830 1.0580 1.1084 379,517 11.0% 102.2% 186 0.00%2013 Q2 4,858 633,144 672,287 0.8453 0.9417 535,148 333,907 1.1650 1.0580 1.1084 456,188 11.0% 96.2% 236 0.00%2013 Q3 5,972 768,820 782,217 0.8866 0.9417 653,039 385,282 1.1474 1.0580 1.1084 518,398 11.0% 90.4% 263 0.00%2013 Q4 7,124 909,991 898,593 0.9253 0.9417 782,994 693,385 1.1300 1.0580 1.1084 918,810 11.0% 128.3% 335 0.00%2014 Q1 8,185 1,029,418 1,015,307 0.9388 0.9417 897,564 464,091 1.1128 1.0580 1.1084 605,649 11.0% 78.5% 426 10.00%2014 Q2 9,841 1,229,698 1,213,090 0.9449 0.9417 1,079,417 466,901 1.0960 1.0580 1.1084 600,081 11.0% 66.6% 461 10.00%2014 Q3 11,805 1,450,975 1,438,783 0.9506 0.9417 1,287,988 901,065 1.0794 1.0580 1.1084 1,140,532 11.0% 99.6% 550 10.00%2014 Q4 14,089 1,719,162 1,716,838 0.9563 0.9417 1,546,062 1,628,554 1.0630 1.0580 1.1084 2,030,112 11.0% 142.3% 766 10.00%2015 Q1 16,231 1,953,113 1,954,761 0.9664 0.9417 1,778,846 901,429 1.0469 1.0580 1.1084 1,106,666 11.0% 73.2% 712 15.00%2015 Q2 18,855 2,238,305 2,226,300 0.9758 0.9417 2,045,689 1,280,397 1.0310 1.0580 1.1084 1,548,089 11.0% 86.7% 918 15.00%2015 Q3 21,260 2,502,592 2,469,524 0.9858 0.9417 2,292,574 1,331,908 1.0154 1.0580 1.1084 1,585,960 11.0% 80.2% 953 15.00%2015 Q4 22,871 2,658,756 2,620,222 1.0000 0.9417 2,467,399 2,351,309 1.0000 1.0580 1.1084 2,757,366 11.0% 122.8% 1,231 15.00%


Notes: Effective date: 08/25/2016 [19] Credibility 1.000[1] From internal report [20] Pure Premium Trend 4.7%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 43.3%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit H for Accident Year/Quarter Weight Selection Method[15] Total of [13] using [14] as weights[17] {[15] ÷ [16]} - 1[19] [(18) / 1084] ^ 0.50[20] {{[1.00 + 0.045] / [1.00 + -0.046]} ^ 0.50} - 1.00. Refer to Exhibits D and E for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Exhibit B-5

Page 6 of 63

Company: All CompaniesState: PennsylvaniaCoverage: Collision


Direct Direct COLL COLL =[3]x[4]x[5] COLL COLL COLL =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future COLL Trended Ultimate Historical Future COLL Projected Ultimate Accident


2013 Q1 3,574 1,281,608 1,831,485 0.7966 0.9235 1,347,273 1,300,280 1.0083 1.0451 1,370,117 11.0% 112.7% 328 0.00%2013 Q2 4,666 1,691,224 2,322,749 0.8100 0.9235 1,737,461 1,297,250 1.0075 1.0451 1,365,901 11.0% 89.6% 369 0.00%2013 Q3 5,747 2,197,080 2,659,102 0.8638 0.9235 2,121,162 1,598,629 1.0068 1.0451 1,681,970 11.0% 90.3% 419 0.00%2013 Q4 6,845 2,666,452 2,970,207 0.9174 0.9235 2,516,407 2,516,276 1.0060 1.0451 2,645,473 11.0% 116.1% 628 0.00%2014 Q1 7,853 3,042,331 3,377,853 0.9313 0.9235 2,904,937 3,195,771 1.0053 1.0451 3,357,341 11.0% 126.6% 830 0.00%2014 Q2 9,448 3,639,494 4,041,701 0.9360 0.9235 3,493,453 2,882,655 1.0045 1.0451 3,026,128 11.0% 97.6% 712 0.00%2014 Q3 11,348 4,294,462 4,793,729 0.9424 0.9235 4,171,659 3,070,763 1.0038 1.0451 3,221,186 11.0% 88.2% 836 0.00%2014 Q4 13,525 5,076,588 5,707,049 0.9502 0.9235 5,007,584 4,434,814 1.0030 1.0451 4,648,573 11.0% 103.8% 1,084 0.00%2015 Q1 15,552 5,784,186 6,501,627 0.9589 0.9235 5,757,378 6,072,682 1.0022 1.0451 6,360,621 11.0% 121.5% 1,556 25.00%2015 Q2 18,074 6,779,146 7,400,164 0.9675 0.9235 6,611,809 5,262,836 1.0015 1.0451 5,508,249 11.0% 94.3% 1,434 25.00%2015 Q3 20,399 7,763,859 8,180,399 0.9812 0.9235 7,412,387 6,226,187 1.0007 1.0451 6,511,644 11.0% 98.8% 1,571 25.00%2015 Q4 21,918 8,496,327 8,665,068 1.0000 0.9235 8,001,859 6,885,939 1.0000 1.0451 7,196,253 11.0% 100.9% 1,834 25.00%



Exhibit B-6

Page 7 of 63

Company: All CompaniesState: PennsylvaniaCoverage: Medical/No Fault


Direct Direct MEDNF MEDNF =[3]x[4]x[5] MEDNF MEDNF MEDNF =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future MEDNF Trended Ultimate Historical Future MEDNF Projected Ultimate Accident


2013 Q1 4,700 568,963 627,487 0.6888 0.8869 383,302 370,417 1.1647 1.1457 494,278 11.0% 140.0% 108 0.00%2013 Q2 6,127 722,944 776,200 0.7287 0.8869 501,643 751,414 1.1486 1.1457 988,875 11.0% 208.1% 166 0.00%2013 Q3 7,532 868,647 888,718 0.7780 0.8869 613,168 550,196 1.1328 1.1457 714,103 11.0% 127.5% 188 0.00%2013 Q4 8,962 1,018,147 1,007,133 0.8310 0.8869 742,267 845,081 1.1172 1.1457 1,081,740 11.0% 156.7% 270 0.00%2014 Q1 10,245 1,140,882 1,127,019 0.8523 0.8869 851,893 660,540 1.1019 1.1457 833,882 11.0% 108.9% 244 5.00%2014 Q2 12,340 1,355,919 1,339,716 0.8684 0.8869 1,031,780 871,228 1.0867 1.1457 1,084,724 11.0% 116.1% 267 5.00%2014 Q3 14,761 1,578,000 1,567,188 0.8903 0.8869 1,237,461 1,164,017 1.0718 1.1457 1,429,314 11.0% 126.5% 335 5.00%2014 Q4 17,496 1,828,685 1,829,072 0.9139 0.8869 1,482,528 1,386,509 1.0570 1.1457 1,679,084 11.0% 124.3% 432 5.00%2015 Q1 20,012 2,047,374 2,052,240 0.9343 0.8869 1,700,461 2,026,272 1.0425 1.1457 2,420,075 11.0% 153.3% 532 20.00%2015 Q2 23,132 2,314,340 2,304,334 0.9511 0.8869 1,943,708 2,243,423 1.0281 1.1457 2,642,551 11.0% 147.0% 602 20.00%2015 Q3 25,946 2,555,683 2,523,160 0.9693 0.8869 2,168,943 2,659,169 1.0140 1.1457 3,089,153 11.0% 153.4% 683 20.00%2015 Q4 27,797 2,669,980 2,631,854 1.0000 0.8869 2,334,063 2,593,520 1.0000 1.1457 2,971,422 11.0% 138.3% 690 20.00%



Exhibit C-1

Page 8 of 63

State of: PennsylvaniaCoverage: BI

AccidentQtr End 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54

2006 Q4 887,550 2,352,398 2,728,921 2,953,028 2,969,036 2,940,273 2,822,475 2,988,683 3,194,793 3,293,101 3,418,503 3,453,172 3,429,325 3,419,929 3,409,564 3,396,586 3,382,705 3,393,1062007 Q1 1,223,731 2,450,861 2,706,996 2,782,788 2,925,323 2,954,004 2,923,671 3,064,621 3,048,315 3,131,341 3,139,313 3,172,678 3,204,686 3,192,878 3,175,234 3,168,740 3,173,740 3,179,7402007 Q2 987,834 2,816,291 3,365,936 4,051,549 4,174,576 4,182,393 4,004,359 4,103,031 4,274,501 4,006,018 4,054,223 3,976,349 3,918,401 3,923,548 3,936,655 3,924,288 3,925,014 3,928,8822007 Q3 1,254,062 2,487,511 2,809,299 3,011,135 3,032,308 3,234,293 3,497,208 3,447,906 3,624,804 3,492,728 3,495,483 3,518,161 3,578,900 3,681,825 3,619,515 3,650,047 3,667,975 3,683,5542007 Q4 1,143,042 3,350,272 3,753,522 4,040,437 4,261,820 4,281,169 4,312,897 4,256,335 4,288,236 4,207,061 4,175,211 4,119,922 4,108,901 4,023,941 4,102,861 4,135,259 4,153,085 4,163,8282008 Q1 1,644,879 3,433,264 3,627,660 3,909,057 3,943,648 4,076,878 4,046,943 4,109,067 4,081,758 4,161,888 4,131,516 4,213,349 4,298,451 4,349,877 4,228,637 4,331,665 4,342,643 4,348,3842008 Q2 1,506,977 2,900,951 3,762,593 3,801,546 3,931,519 3,817,108 4,063,754 4,081,936 3,917,631 3,884,065 3,883,597 3,942,789 3,931,259 3,962,882 3,995,563 3,983,685 3,986,902 3,967,7742008 Q3 1,014,607 2,388,882 2,902,224 3,107,569 3,263,713 3,418,735 3,465,449 3,595,732 3,640,213 3,716,858 3,795,418 3,815,960 3,825,351 3,939,827 4,089,347 4,063,705 4,086,903 4,100,2022008 Q4 1,654,512 2,971,849 3,535,285 3,637,224 3,942,418 4,048,695 3,906,794 4,122,585 4,157,213 4,152,280 4,301,852 4,313,970 4,385,240 4,353,636 4,389,204 4,556,480 4,616,474 4,567,5502009 Q1 660,390 1,973,114 2,258,745 2,316,516 2,381,133 2,473,303 2,642,235 2,579,590 2,676,044 2,794,612 2,895,030 2,924,737 2,946,503 3,110,438 3,159,054 3,184,537 3,190,689 3,197,9532009 Q2 893,438 1,290,556 1,626,628 1,740,380 1,717,100 1,782,246 1,817,853 1,844,897 1,992,768 2,106,467 2,107,201 2,209,303 2,229,459 2,291,503 2,316,247 2,318,104 2,318,104 2,356,1042009 Q3 1,279,858 2,001,358 2,190,866 2,237,204 2,285,394 2,538,354 2,648,589 2,780,726 2,929,808 2,941,404 3,008,730 3,078,799 3,013,955 3,044,315 3,040,821 3,034,100 3,035,790 3,035,7902009 Q4 626,087 1,272,969 1,623,339 1,737,800 1,865,654 1,886,928 1,947,631 2,091,819 2,096,917 2,124,223 2,199,659 2,215,539 2,218,364 2,242,990 2,233,950 2,340,358 2,340,403 2,345,4932010 Q1 370,700 984,176 1,249,373 1,142,563 1,197,261 1,300,340 1,263,841 1,264,233 1,216,702 1,249,031 1,233,119 1,224,098 1,229,916 1,226,198 1,228,433 1,225,773 1,225,808 1,229,5172010 Q2 555,819 1,686,893 1,842,680 1,893,763 2,079,312 2,191,678 2,214,599 2,238,389 2,504,616 2,561,853 2,574,927 2,593,758 2,659,915 2,811,537 2,854,103 2,852,714 2,869,573 2,873,6982010 Q3 637,595 1,679,229 1,803,117 1,986,763 2,139,852 1,917,257 2,025,227 2,054,258 2,164,742 2,240,031 2,306,423 2,319,173 2,328,334 2,309,205 2,323,695 2,323,184 2,333,036 2,333,0362010 Q4 617,494 884,075 1,003,654 1,031,484 1,158,931 1,270,701 1,348,164 1,466,083 1,508,485 1,542,625 1,480,281 1,466,767 1,502,302 1,524,605 1,534,051 1,541,476 1,548,954 1,553,3822011 Q1 728,993 1,154,956 1,171,846 1,405,443 1,480,258 1,538,379 1,652,819 1,714,953 1,808,715 1,894,913 1,908,497 1,893,415 1,909,535 1,959,960 1,910,090 1,914,632 1,931,481 1,937,3432011 Q2 340,587 701,803 814,173 1,073,468 1,294,809 1,232,745 1,336,995 1,419,669 1,451,050 1,514,240 1,618,367 1,620,919 1,767,442 1,803,392 1,857,312 1,869,347 1,877,303 1,883,3112011 Q3 375,719 1,028,986 1,096,095 1,187,711 1,347,308 1,459,547 1,525,111 1,783,681 1,811,303 1,861,658 1,885,352 1,842,892 1,891,442 1,803,258 1,811,110 1,820,052 1,821,366 1,821,5012011 Q4 583,443 1,169,583 1,345,515 1,418,914 1,579,124 1,822,639 1,979,707 2,126,027 2,287,892 2,475,046 2,516,659 2,589,975 2,585,067 2,663,062 2,643,503 2,717,214 2,697,9992012 Q1 815,920 1,336,619 1,437,371 1,517,668 1,638,758 1,724,502 1,756,917 1,750,482 1,881,132 2,158,204 2,305,122 2,346,624 2,309,627 2,397,135 2,424,951 2,464,2862012 Q2 572,888 1,512,151 1,630,390 1,703,519 1,915,611 1,925,742 1,986,646 2,053,886 2,306,073 2,381,007 2,416,685 2,472,736 2,530,564 2,732,803 2,847,0842012 Q3 868,740 1,646,291 1,810,453 2,049,557 2,226,223 2,433,228 2,371,718 2,570,059 2,787,746 2,872,731 3,008,057 3,160,448 3,285,930 3,439,4612012 Q4 416,388 1,103,924 1,459,310 1,662,083 1,807,356 1,889,758 2,225,990 2,297,685 2,414,494 2,521,424 2,585,506 2,640,216 2,673,5852013 Q1 388,977 944,890 1,056,350 1,141,155 1,342,615 1,501,056 1,836,087 1,952,527 2,128,551 2,252,345 2,378,243 2,500,1802013 Q2 853,296 1,774,493 2,056,209 2,591,464 2,783,204 3,002,174 3,164,102 3,287,357 3,456,687 3,556,683 3,704,0922013 Q3 1,197,498 1,908,948 2,055,302 2,240,021 2,544,550 2,709,875 2,836,130 2,962,798 3,117,459 3,261,0832013 Q4 744,878 1,325,389 1,768,425 2,160,929 2,566,013 2,744,803 2,821,459 2,791,774 3,065,3292014 Q1 1,195,395 1,945,891 2,049,611 2,266,409 2,633,303 2,777,745 3,000,577 3,370,2992014 Q2 497,597 1,567,878 1,976,825 2,252,072 2,535,530 2,781,084 2,992,2492014 Q3 832,511 1,652,639 2,074,845 2,620,284 2,828,685 3,093,2322014 Q4 977,274 1,868,564 2,498,239 2,903,282 2,844,1712015 Q1 688,557 1,461,162 1,653,243 2,137,2372015 Q2 960,771 1,517,266 1,635,0902015 Q3 1,340,459 2,467,5392015 Q4 1,398,227

Net Incurred Loss and DCC as of 12/2015

Exhibit C-1

Page 9 of 63


57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108

3,432,346 3,433,432 3,442,810 3,450,105 3,452,179 3,454,068 3,474,329 3,475,221 3,492,721 3,494,971 3,547,559 3,569,164 3,576,253 3,576,253 3,576,253 3,576,253 3,576,253 226,8943,182,238 3,182,989 3,183,084 3,183,326 3,189,951 3,190,039 3,190,039 3,190,039 3,190,039 3,190,039 3,193,196 3,199,124 3,199,124 3,199,124 3,199,124 3,199,124 3,199,124 3,199,1243,922,645 3,926,244 3,927,010 3,904,610 3,905,703 3,908,819 3,889,885 3,890,272 3,892,747 3,892,974 3,893,415 3,893,314 3,894,680 3,894,575 3,894,539 3,894,467 3,903,4463,692,754 3,686,528 3,687,624 3,687,693 3,689,633 3,689,537 3,689,719 3,689,719 3,689,719 3,689,819 3,690,463 3,690,463 3,690,463 3,705,463 3,705,463 3,715,4634,165,744 4,167,950 4,168,050 4,169,744 4,167,460 4,180,052 4,172,410 4,172,483 4,172,483 4,172,483 4,173,015 4,173,015 4,173,015 4,173,015 4,173,0874,352,508 4,354,126 4,355,407 4,348,214 4,350,742 4,344,872 4,345,854 4,345,906 4,347,831 4,347,681 4,348,106 4,348,106 4,248,106 4,248,1063,978,254 3,991,920 3,980,824 3,982,276 4,011,244 4,012,564 4,012,564 4,012,564 4,012,564 4,012,564 4,012,564 4,012,564 4,012,8064,041,281 4,064,727 4,073,328 4,095,103 4,103,985 4,157,112 4,182,112 4,182,112 4,182,121 4,182,121 4,187,404 4,187,5594,568,613 4,570,021 4,561,863 4,570,166 4,558,534 4,560,188 4,561,100 4,560,800 4,600,962 4,600,962 4,600,9623,198,127 3,211,951 3,276,005 3,296,938 3,306,119 3,305,411 3,306,728 3,306,728 3,308,008 3,308,0082,356,104 2,356,104 2,360,402 2,360,402 2,385,365 2,385,365 2,385,365 2,385,386 2,366,3863,054,300 3,054,831 3,070,763 3,078,730 3,079,874 3,080,870 3,081,604 3,106,8472,347,027 2,386,525 2,390,047 2,391,016 2,388,269 2,399,398 2,400,6461,231,188 1,246,669 1,252,062 1,256,913 1,258,082 1,249,4022,873,698 2,875,842 2,876,392 2,876,392 2,876,3922,334,286 2,334,286 2,334,286 2,334,2861,557,586 1,561,363 1,561,7101,938,192 1,939,2651,883,356


Exhibit C-1

Page 10 of 63


AccidentQtr End 3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54

2006 Q4 2.650 1.160 1.082 1.005 0.990 0.960 1.059 1.069 1.031 1.038 1.010 0.993 0.997 0.997 0.996 0.996 1.0032007 Q1 2.003 1.105 1.028 1.051 1.010 0.990 1.048 0.995 1.027 1.003 1.011 1.010 0.996 0.994 0.998 1.002 1.0022007 Q2 2.851 1.195 1.204 1.030 1.002 0.957 1.025 1.042 0.937 1.012 0.981 0.985 1.001 1.003 0.997 1.000 1.0012007 Q3 1.984 1.129 1.072 1.007 1.067 1.081 0.986 1.051 0.964 1.001 1.006 1.017 1.029 0.983 1.008 1.005 1.0042007 Q4 2.931 1.120 1.076 1.055 1.005 1.007 0.987 1.007 0.981 0.992 0.987 0.997 0.979 1.020 1.008 1.004 1.0032008 Q1 2.087 1.057 1.078 1.009 1.034 0.993 1.015 0.993 1.020 0.993 1.020 1.020 1.012 0.972 1.024 1.003 1.0012008 Q2 1.925 1.297 1.010 1.034 0.971 1.065 1.004 0.960 0.991 1.000 1.015 0.997 1.008 1.008 0.997 1.001 0.9952008 Q3 2.354 1.215 1.071 1.050 1.047 1.014 1.038 1.012 1.021 1.021 1.005 1.002 1.030 1.038 0.994 1.006 1.0032008 Q4 1.796 1.190 1.029 1.084 1.027 0.965 1.055 1.008 0.999 1.036 1.003 1.017 0.993 1.008 1.038 1.013 0.9892009 Q1 2.988 1.145 1.026 1.028 1.039 1.068 0.976 1.037 1.044 1.036 1.010 1.007 1.056 1.016 1.008 1.002 1.0022009 Q2 1.444 1.260 1.070 0.987 1.038 1.020 1.015 1.080 1.057 1.000 1.048 1.009 1.028 1.011 1.001 1.000 1.0162009 Q3 1.564 1.095 1.021 1.022 1.111 1.043 1.050 1.054 1.004 1.023 1.023 0.979 1.010 0.999 0.998 1.001 1.0002009 Q4 2.033 1.275 1.071 1.074 1.011 1.032 1.074 1.002 1.013 1.036 1.007 1.001 1.011 0.996 1.048 1.000 1.0022010 Q1 2.655 1.269 0.915 1.048 1.086 0.972 1.000 0.962 1.027 0.987 0.993 1.005 0.997 1.002 0.998 1.000 1.0032010 Q2 3.035 1.092 1.028 1.098 1.054 1.010 1.011 1.119 1.023 1.005 1.007 1.026 1.057 1.015 1.000 1.006 1.0012010 Q3 2.634 1.074 1.102 1.077 0.896 1.056 1.014 1.054 1.035 1.030 1.006 1.004 0.992 1.006 1.000 1.004 1.0002010 Q4 1.432 1.135 1.028 1.124 1.096 1.061 1.087 1.029 1.023 0.960 0.991 1.024 1.015 1.006 1.005 1.005 1.0032011 Q1 1.584 1.015 1.199 1.053 1.039 1.074 1.038 1.055 1.048 1.007 0.992 1.009 1.026 0.975 1.002 1.009 1.0032011 Q2 2.061 1.160 1.318 1.206 0.952 1.085 1.062 1.022 1.044 1.069 1.002 1.090 1.020 1.030 1.006 1.004 1.0032011 Q3 2.739 1.065 1.084 1.134 1.083 1.045 1.170 1.015 1.028 1.013 0.977 1.026 0.953 1.004 1.005 1.001 1.0002011 Q4 2.005 1.150 1.055 1.113 1.154 1.086 1.074 1.076 1.082 1.017 1.029 0.998 1.030 0.993 1.028 0.9932012 Q1 1.638 1.075 1.056 1.080 1.052 1.019 0.996 1.075 1.147 1.068 1.018 0.984 1.038 1.012 1.0162012 Q2 2.640 1.078 1.045 1.125 1.005 1.032 1.034 1.123 1.032 1.015 1.023 1.023 1.080 1.0422012 Q3 1.895 1.100 1.132 1.086 1.093 0.975 1.084 1.085 1.030 1.047 1.051 1.040 1.0472012 Q4 2.651 1.322 1.139 1.087 1.046 1.178 1.032 1.051 1.044 1.025 1.021 1.0132013 Q1 2.429 1.118 1.080 1.177 1.118 1.223 1.063 1.090 1.058 1.056 1.0512013 Q2 2.080 1.159 1.260 1.074 1.079 1.054 1.039 1.052 1.029 1.0412013 Q3 1.594 1.077 1.090 1.136 1.065 1.047 1.045 1.052 1.0462013 Q4 1.779 1.334 1.222 1.187 1.070 1.028 0.989 1.0982014 Q1 1.628 1.053 1.106 1.162 1.055 1.080 1.1232014 Q2 3.151 1.261 1.139 1.126 1.097 1.0762014 Q3 1.985 1.255 1.263 1.080 1.0942014 Q4 1.912 1.337 1.162 0.9802015 Q1 2.122 1.131 1.2932015 Q2 1.579 1.0782015 Q3 1.8412015 Q4

3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54Selected 2.002 1.183 1.159 1.113 1.077 1.064 1.055 1.065 1.037 1.026 1.014 1.011 1.019 1.007 1.008 1.003 1.002Ultimate 4.496 2.246 1.898 1.638 1.472 1.366 1.284 1.217 1.143 1.102 1.074 1.059 1.048 1.028 1.021 1.013 1.010

Age-to-Age Development Factors

Exhibit C-1

Page 11 of 63


54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail

1.012 1.000 1.003 1.002 1.001 1.001 1.006 1.000 1.005 1.001 1.015 1.006 1.002 1.000 0.0631.001 1.000 1.000 1.000 1.002 1.000 1.000 1.000 1.000 1.000 1.001 1.002 1.000 1.000 1.0000.998 1.001 1.000 0.994 1.000 1.001 0.995 1.000 1.001 1.000 1.000 1.000 1.000 1.000 1.0021.002 0.998 1.000 1.000 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.004 1.0031.000 1.001 1.000 1.000 0.999 1.003 0.998 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.001 1.000 1.000 0.998 1.001 0.999 1.000 1.000 1.000 1.000 1.000 1.000 0.977 1.0001.003 1.003 0.997 1.000 1.007 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0000.986 1.006 1.002 1.005 1.002 1.013 1.006 1.000 1.000 1.000 1.001 1.0001.000 1.000 0.998 1.002 0.997 1.000 1.000 1.000 1.009 1.000 1.0001.000 1.004 1.020 1.006 1.003 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.002 1.000 1.011 1.000 1.000 1.000 0.9921.006 1.000 1.005 1.003 1.000 1.000 1.000 1.0081.001 1.017 1.001 1.000 0.999 1.005 1.0011.001 1.013 1.004 1.004 1.001 0.9931.000 1.001 1.000 1.000 1.0001.001 1.000 1.000 1.0001.003 1.002 1.0001.000 1.0011.000

54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail1.001 1.002 1.001 1.001 1.001 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0011.008 1.007 1.005 1.004 1.003 1.002 1.001 1.001 1.001 1.001 1.001 1.001 1.001 1.001 1.001


Exhibit C-2

Page 12 of 63

State of: PennsylvaniaCoverage: PD

AccidentQtr End 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54

2006 Q4 1,475,956 2,546,133 2,692,679 2,768,248 2,796,121 2,802,496 2,810,022 2,814,072 2,817,426 2,823,155 2,824,012 2,824,627 2,825,047 2,825,175 2,823,478 2,823,529 2,823,603 2,823,8182007 Q1 1,627,116 2,495,346 2,640,086 2,749,578 2,778,316 2,815,895 2,839,168 2,843,603 2,838,669 2,840,722 2,840,722 2,845,234 2,845,285 2,847,626 2,845,619 2,846,688 2,846,916 2,847,1012007 Q2 1,532,484 2,412,264 2,637,963 2,701,876 2,732,702 2,751,973 2,768,672 2,782,528 2,793,334 2,797,310 2,797,698 2,799,109 2,800,800 2,808,796 2,811,784 2,811,784 2,811,784 2,811,7842007 Q3 1,686,761 2,832,350 3,050,343 3,148,331 3,174,934 3,209,221 3,254,851 3,267,972 3,272,971 3,273,952 3,275,788 3,276,331 3,276,331 3,276,331 3,276,331 3,279,827 3,279,827 3,279,8272007 Q4 1,939,126 3,174,913 3,349,717 3,460,125 3,480,194 3,507,347 3,531,237 3,531,845 3,544,219 3,574,365 3,578,012 3,577,779 3,577,779 3,578,114 3,582,822 3,582,821 3,582,821 3,582,8202008 Q1 1,832,192 3,050,144 3,313,275 3,379,997 3,426,962 3,452,936 3,464,444 3,564,745 3,578,249 3,582,349 3,580,828 3,575,828 3,583,701 3,583,621 3,583,621 3,584,964 3,584,964 3,584,9642008 Q2 1,836,299 2,996,853 3,264,725 3,333,515 3,408,175 3,427,193 3,446,707 3,448,887 3,469,431 3,480,283 3,485,438 3,485,438 3,485,438 3,485,438 3,486,938 3,486,938 3,486,938 3,486,9382008 Q3 1,680,740 2,756,686 2,889,834 3,035,021 3,079,403 3,077,899 3,080,714 3,082,792 3,129,399 3,127,354 3,130,689 3,142,263 3,142,479 3,141,162 3,141,291 3,141,291 3,141,291 3,141,2912008 Q4 1,657,865 2,857,941 3,172,259 3,259,531 3,319,875 3,354,356 3,363,321 3,375,731 3,384,275 3,383,533 3,384,902 3,385,017 3,391,317 3,393,402 3,402,195 3,402,689 3,584,080 3,584,8832009 Q1 1,450,841 2,246,178 2,336,169 2,537,351 2,548,318 2,548,085 2,550,628 2,552,145 2,563,499 2,564,256 2,564,659 2,564,659 2,564,659 2,564,659 2,565,659 2,565,659 2,565,659 2,565,6592009 Q2 1,414,463 2,006,816 2,198,389 2,285,818 2,324,695 2,330,564 2,332,087 2,348,371 2,350,903 2,361,578 2,362,802 2,365,533 2,365,533 2,363,451 2,363,451 2,363,451 2,363,451 2,363,4512009 Q3 1,187,576 1,929,490 1,974,152 2,033,648 2,068,571 2,083,186 2,101,291 2,110,255 2,118,443 2,122,975 2,131,461 2,138,780 2,138,780 2,138,780 2,138,839 2,138,839 2,138,839 2,138,8392009 Q4 1,142,973 1,835,454 1,935,825 2,036,785 2,075,155 2,095,552 2,102,406 2,103,151 2,106,398 2,106,456 2,106,456 2,106,542 2,106,542 2,106,542 2,106,542 2,106,542 2,106,817 2,106,8172010 Q1 1,145,496 1,629,390 1,813,432 1,860,090 1,900,959 1,905,884 1,910,974 1,930,951 1,945,537 1,950,447 1,944,995 1,944,995 1,944,995 1,944,995 1,944,995 1,944,995 1,944,995 1,944,9952010 Q2 992,357 1,442,220 1,604,084 1,705,435 1,728,189 1,745,508 1,754,777 1,751,189 1,759,160 1,759,127 1,759,877 1,759,777 1,759,777 1,761,047 1,761,278 1,761,467 1,761,525 1,762,0542010 Q3 897,627 1,474,256 1,744,697 1,842,805 1,858,686 1,890,361 1,940,508 1,952,605 1,953,695 1,953,695 1,957,012 1,957,012 1,957,012 1,955,030 1,955,030 1,955,017 1,954,991 1,954,9712010 Q4 1,004,605 1,848,581 2,080,647 2,198,247 2,256,464 2,276,841 2,284,642 2,299,474 2,304,063 2,330,006 2,334,666 2,336,161 2,336,161 2,336,161 2,336,161 2,336,161 2,336,161 2,336,1612011 Q1 842,424 1,548,639 1,776,611 1,893,618 1,959,740 1,973,294 1,985,788 1,997,165 1,997,165 1,998,592 2,006,347 2,008,274 2,008,274 2,008,274 2,008,274 2,008,274 2,008,274 2,008,2742011 Q2 908,287 1,535,776 1,806,092 1,918,295 1,944,653 1,994,001 2,015,805 2,028,166 2,030,566 2,047,697 2,049,701 2,049,701 2,049,701 2,049,701 2,049,701 2,049,701 2,049,701 2,047,8512011 Q3 837,990 1,787,920 2,065,799 2,132,078 2,176,310 2,199,777 2,200,884 2,212,044 2,215,404 2,218,832 2,221,965 2,220,253 2,226,524 2,226,224 2,226,224 2,226,224 2,226,224 2,205,9292011 Q4 1,060,470 2,041,737 2,400,544 2,467,846 2,501,339 2,520,653 2,540,193 2,552,736 2,562,548 2,581,376 2,593,079 2,593,166 2,591,184 2,591,184 2,592,290 2,592,290 2,592,2902012 Q1 947,120 1,960,372 2,211,160 2,307,911 2,349,954 2,397,123 2,409,745 2,429,257 2,451,570 2,480,024 2,480,268 2,458,234 2,458,234 2,458,712 2,459,034 2,459,3092012 Q2 1,110,754 2,358,723 2,717,592 2,998,887 3,079,170 3,125,478 3,136,178 3,143,446 3,164,534 3,169,050 3,165,270 3,165,270 3,165,270 3,165,270 3,165,2702012 Q3 1,400,211 2,298,331 2,655,137 2,764,098 2,831,679 2,851,611 2,911,930 2,923,238 2,931,295 2,880,969 2,880,717 2,880,717 2,880,717 2,880,7172012 Q4 1,410,765 2,912,364 3,094,657 3,218,581 3,247,381 3,286,021 3,288,919 3,297,898 3,218,367 3,209,165 3,208,953 3,209,264 3,209,8102013 Q1 2,203,650 3,026,712 3,244,120 2,978,138 3,138,677 3,154,282 3,153,971 3,072,714 3,105,519 3,115,399 3,115,399 3,115,3992013 Q2 2,349,702 3,284,651 3,472,232 3,587,161 3,639,031 3,677,450 3,470,424 3,473,231 3,492,695 3,494,697 3,495,1982013 Q3 1,488,892 2,967,120 3,368,608 3,600,665 3,725,400 3,724,378 3,771,202 3,788,302 3,800,961 3,822,4992013 Q4 1,560,911 3,455,390 4,018,131 4,228,191 4,209,380 4,260,190 4,304,192 4,334,519 4,350,0862014 Q1 1,644,414 3,464,401 3,831,683 4,065,282 4,159,492 4,230,139 4,260,452 4,264,5492014 Q2 1,460,243 3,141,713 3,487,480 3,593,149 3,701,883 3,763,775 3,847,2802014 Q3 1,581,290 3,397,976 3,874,811 4,083,066 4,145,157 4,220,6732014 Q4 1,802,683 3,807,345 4,572,865 4,842,874 4,954,7802015 Q1 1,855,179 4,169,404 4,982,797 5,269,6182015 Q2 1,845,318 4,244,338 4,897,4772015 Q3 1,737,018 4,273,9742015 Q4 1,809,494


Exhibit C-2

Page 13 of 63


57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108

2,823,913 2,824,009 2,824,009 2,819,034 2,819,034 2,819,034 2,819,034 2,819,034 2,819,034 2,819,764 2,819,764 2,819,764 2,819,764 2,819,764 2,819,764 2,819,764 2,819,764 (36,038)2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,101 2,847,1012,811,784 2,811,784 2,811,784 2,811,784 2,811,784 2,811,784 2,811,784 2,809,777 2,809,777 2,809,777 2,809,777 2,809,777 2,809,777 2,809,777 2,809,777 2,809,777 2,809,7773,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,827 3,279,8273,582,944 3,582,944 3,583,044 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,944 3,582,9443,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,364 3,585,3643,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,938 3,486,9383,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,291 3,141,2913,584,883 3,584,883 3,584,883 3,584,883 3,585,109 3,585,335 3,586,748 3,586,748 3,586,748 3,586,748 3,588,4762,565,659 2,565,659 2,565,659 2,565,659 2,565,659 2,565,659 2,565,659 2,565,659 2,565,659 2,565,6592,363,451 2,363,451 2,363,451 2,363,451 2,363,451 2,363,451 2,363,451 2,363,451 2,363,4512,138,839 2,138,839 2,138,839 2,138,839 2,138,839 2,138,839 2,138,839 2,138,8392,106,817 2,106,817 2,107,277 2,107,277 2,107,277 2,107,277 2,107,2771,944,995 1,944,995 1,944,995 1,944,995 1,944,995 1,944,9951,762,156 1,762,156 1,762,213 1,762,344 1,762,6271,956,805 1,956,791 1,956,771 1,956,7432,336,161 2,336,144 2,336,1382,008,274 2,008,2742,047,851


Exhibit C-2

Page 14 of 63


AccidentQtr End 3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54




Exhibit C-2

Page 15 of 63


54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail

1.000 1.000 1.000 0.998 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 -0.0131.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.0001.001 1.000 1.000 1.0001.000 1.000 1.0001.000 1.0001.000

54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


Exhibit C-3

Page 16 of 63

State of: PennsylvaniaCoverage: UM

AccidentQtr End 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54

2006 Q4 393,500 849,500 930,750 1,103,250 1,319,750 1,586,836 1,687,810 1,641,310 1,547,235 1,497,997 1,598,108 1,597,319 1,588,856 1,636,563 1,631,618 1,703,238 1,823,197 1,786,6732007 Q1 833,000 1,093,000 1,473,325 1,586,825 1,817,325 1,662,325 1,657,325 1,540,103 1,747,789 1,653,542 1,659,216 1,658,585 1,710,698 1,665,901 1,676,899 1,635,374 1,650,108 1,650,1082007 Q2 978,000 1,354,316 1,594,983 1,661,184 1,717,029 1,838,632 2,047,789 2,128,977 2,186,167 2,223,182 2,209,735 2,213,128 2,257,128 2,385,651 2,407,534 2,394,170 2,525,216 2,582,2422007 Q3 106,500 476,500 534,930 583,930 694,356 899,140 899,783 970,420 962,083 1,089,583 1,189,083 1,121,583 1,070,583 1,086,403 1,082,438 987,861 992,915 1,015,0892007 Q4 386,000 1,006,000 1,376,500 1,483,490 2,443,675 2,425,714 2,360,447 2,401,509 2,450,009 2,637,285 2,610,869 2,650,512 2,668,640 2,660,668 2,686,920 2,726,903 2,766,403 2,737,2662008 Q1 122,000 734,500 778,700 829,200 872,896 912,830 935,407 918,574 993,589 995,089 997,428 990,882 1,055,309 1,055,618 1,114,305 1,132,639 1,140,470 1,145,8882008 Q2 126,500 446,500 600,500 704,150 645,127 687,668 924,924 1,157,424 1,248,733 1,713,718 1,714,555 1,678,248 1,667,335 1,685,000 1,690,347 1,847,185 1,831,324 1,846,6062008 Q3 334,500 1,697,000 1,734,681 1,797,275 1,759,922 1,772,422 1,572,422 1,442,050 1,465,665 1,624,959 1,572,347 1,540,847 1,581,702 1,528,854 1,541,492 1,538,732 1,535,751 1,545,7942008 Q4 647,031 1,052,233 1,626,280 1,986,567 2,342,317 2,305,312 2,064,812 2,205,952 2,244,617 2,101,894 2,135,851 2,227,631 2,204,209 2,133,802 2,144,052 2,141,552 2,158,281 2,163,0312009 Q1 272,314 518,611 568,784 578,179 850,179 795,179 795,238 801,878 873,180 880,958 876,668 891,668 966,668 963,928 984,753 981,085 981,760 1,052,4722009 Q2 68,028 243,028 291,528 300,848 344,911 398,618 389,889 450,101 468,601 605,110 606,145 623,645 639,290 641,790 631,790 631,790 661,755 666,9392009 Q3 78,000 283,182 377,182 427,182 574,682 658,682 763,682 751,448 816,791 833,531 892,021 939,266 865,571 956,020 940,065 964,015 1,011,515 1,011,5152009 Q4 420,034 534,059 710,469 671,444 706,805 796,805 807,212 838,470 858,876 906,682 932,915 968,666 1,023,328 1,039,653 1,029,653 1,069,553 1,068,553 1,068,5532010 Q1 348,000 382,566 362,687 402,967 403,967 363,028 375,381 384,131 379,146 539,596 527,186 533,941 561,941 592,990 592,990 623,209 640,304 676,4892010 Q2 233,000 521,750 527,851 586,716 821,139 843,888 873,888 950,138 938,421 935,561 956,830 958,595 848,542 909,896 918,554 873,554 873,850 876,3502010 Q3 274,450 405,989 409,518 408,634 470,642 509,582 509,543 647,973 730,565 723,143 840,831 873,626 875,396 1,027,841 1,031,183 1,065,979 1,058,479 1,058,4792010 Q4 68,401 124,193 232,932 256,722 239,172 341,423 312,572 392,722 421,575 471,345 434,345 444,384 483,835 483,835 485,097 490,697 490,697 500,8072011 Q1 106,000 173,160 174,009 193,253 215,037 266,094 289,395 421,394 414,134 491,134 490,413 483,107 490,607 492,607 492,607 500,107 500,107 500,1072011 Q2 88,900 89,800 187,550 334,800 363,800 399,300 379,800 375,050 646,245 405,370 454,144 455,544 456,044 459,544 488,213 488,213 455,338 455,3382011 Q3 11,827 110,527 196,159 193,409 264,659 381,228 370,916 397,596 527,346 544,716 472,901 522,651 457,151 457,151 457,151 457,151 562,151 562,1512011 Q4 123,750 164,443 149,793 268,372 305,972 334,962 356,492 437,982 495,298 547,548 554,967 598,186 613,911 682,031 695,331 722,768 707,7682012 Q1 311,116 376,463 386,548 423,038 439,563 474,813 521,404 608,642 662,973 641,782 651,852 651,852 651,602 648,694 645,694 650,8932012 Q2 80,765 178,808 287,306 367,796 565,546 580,062 584,562 705,493 953,868 953,868 970,673 979,883 999,883 1,018,883 1,025,3582012 Q3 57,229 269,779 362,029 522,779 552,779 541,688 626,862 684,862 750,612 721,345 780,780 780,530 745,705 792,9552012 Q4 162,750 240,372 261,512 325,462 291,447 394,685 408,244 451,841 631,890 657,350 750,868 921,214 938,3272013 Q1 478,423 722,503 738,483 866,954 1,051,611 1,279,428 1,354,672 1,389,731 1,443,106 1,491,465 1,443,573 1,442,3232013 Q2 258,139 407,981 651,008 750,444 826,989 990,589 969,076 1,036,316 1,002,199 1,048,385 1,068,1352013 Q3 55,085 207,362 180,081 231,534 298,957 324,092 403,742 435,350 488,600 527,0292013 Q4 43,568 125,107 252,907 314,041 412,117 542,117 558,970 580,220 753,6202014 Q1 311,910 400,082 459,649 539,023 586,483 610,812 721,562 847,6812014 Q2 122,576 285,468 415,957 486,983 513,812 593,336 665,5962014 Q3 335,262 639,432 680,098 703,277 850,370 998,0632014 Q4 359,650 597,653 801,171 951,768 1,185,0262015 Q1 140,483 421,790 444,287 663,7662015 Q2 130,245 624,706 609,8452015 Q3 138,704 614,2442015 Q4 86,078


Exhibit C-3

Page 17 of 63


57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108

1,767,972 1,778,596 1,779,676 1,792,248 1,798,519 1,802,644 1,835,710 1,835,870 1,856,795 1,856,795 1,857,045 1,887,045 1,902,045 1,901,795 1,894,295 1,894,295 1,894,295 74,9861,640,168 1,586,203 1,589,859 1,585,317 1,940,445 1,975,695 1,981,666 1,983,891 2,037,926 2,037,926 2,038,790 2,036,290 2,035,790 2,035,790 2,035,790 2,035,790 2,035,790 2,035,7902,566,423 2,591,940 2,572,070 2,584,121 2,584,556 2,584,400 2,574,033 2,594,307 2,594,190 2,594,190 2,594,190 2,594,190 2,594,190 2,594,190 2,594,190 2,594,190 2,594,1901,015,089 1,015,156 1,015,156 1,019,896 1,019,896 1,019,896 1,019,896 1,020,031 1,020,031 1,020,031 1,020,031 1,072,681 1,074,381 1,074,381 1,074,381 1,208,8812,719,374 2,732,937 2,746,898 2,746,898 2,748,698 2,728,698 2,728,698 2,728,698 2,728,698 2,728,698 2,728,698 2,728,698 2,728,698 2,728,698 2,728,6981,197,514 1,244,014 1,251,514 1,246,514 1,246,514 1,236,514 1,236,514 1,236,514 1,236,514 1,236,514 1,236,514 1,236,514 1,236,514 1,236,5141,858,031 1,853,156 1,839,220 1,839,220 1,839,220 1,836,220 1,841,639 1,841,639 1,816,639 1,821,639 1,828,318 1,828,318 1,828,3181,492,294 1,520,661 1,593,595 1,627,525 1,625,033 1,560,264 1,580,683 1,580,683 1,580,683 1,584,833 1,586,572 1,763,3272,153,031 2,156,149 2,163,649 2,176,149 2,101,149 2,101,149 2,096,149 2,096,149 2,096,149 2,096,149 2,096,1491,052,472 1,063,462 1,266,962 1,247,558 1,247,558 1,247,808 1,247,808 1,196,308 1,196,308 1,196,308666,939 666,939 666,939 666,939 667,189 667,189 667,189 677,189 699,335

1,011,515 1,011,515 1,011,515 1,011,515 1,011,515 1,011,515 1,011,515 1,011,5151,066,553 1,059,053 1,059,053 1,058,053 1,058,053 1,058,053 1,063,053691,158 721,868 729,972 936,954 937,104 937,104876,350 878,850 878,850 878,850 878,850

1,058,479 1,058,479 1,058,479 1,058,479518,807 514,057 518,307500,107 500,107461,420


Exhibit C-3

Page 18 of 63


AccidentQtr End 3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54



*Due to volatility in early UM claims, selected development factors gave consideration to project average incurred loss and DCC.


Exhibit C-3

Page 19 of 63


54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail

0.990 1.006 1.001 1.007 1.003 1.002 1.018 1.000 1.011 1.000 1.000 1.016 1.008 1.000 0.0390.994 0.967 1.002 0.997 1.224 1.018 1.003 1.001 1.027 1.000 1.000 0.999 1.000 1.000 1.0000.994 1.010 0.992 1.005 1.000 1.000 0.996 1.008 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.005 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.052 1.002 1.000 1.1250.993 1.005 1.005 1.000 1.001 0.993 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.045 1.039 1.006 0.996 1.000 0.992 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.006 0.997 0.992 1.000 1.000 0.998 1.003 1.000 0.986 1.003 1.004 1.000 1.0000.965 1.019 1.048 1.021 0.998 0.960 1.013 1.000 1.000 1.003 1.001 1.1110.995 1.001 1.003 1.006 0.966 1.000 0.998 1.000 1.000 1.000 1.0001.000 1.010 1.191 0.985 1.000 1.000 1.000 0.959 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.015 1.0331.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0000.998 0.993 1.000 0.999 1.000 1.000 1.0051.022 1.044 1.011 1.284 1.000 1.0001.000 1.003 1.000 1.000 1.0001.000 1.000 1.000 1.0001.036 0.991 1.0081.000 1.0001.013

54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail1.002 1.005 1.005 1.003 1.000 0.998 1.001 1.001 1.003 1.000 1.000 1.010 1.000 1.000 1.0001.028 1.026 1.021 1.016 1.013 1.013 1.015 1.014 1.013 1.010 1.010 1.010 1.000 1.000 1.000


Exhibit C-4

Page 20 of 63

State of: PennsylvaniaCoverage: CCD

AccidentQtr End 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54

2006 Q4 1,170,331 1,612,121 1,627,331 1,623,227 1,626,460 1,626,837 1,627,747 1,628,192 1,628,192 1,628,461 1,628,461 1,628,461 1,628,461 1,628,461 1,628,461 1,628,461 1,628,461 1,628,4612007 Q1 580,600 924,021 925,806 915,831 914,565 913,529 926,659 931,159 931,106 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,5582007 Q2 684,289 1,214,626 1,214,415 1,209,736 1,208,265 1,208,691 1,208,691 1,207,733 1,216,922 1,217,093 1,217,093 1,216,968 1,216,968 1,216,815 1,216,659 1,216,303 1,216,191 1,215,9352007 Q3 1,034,068 1,548,742 1,604,813 1,606,175 1,608,603 1,608,808 1,608,808 1,610,093 1,610,093 1,610,093 1,610,093 1,610,093 1,610,093 1,610,093 1,610,093 1,610,537 1,610,537 1,610,5372007 Q4 1,402,293 1,947,083 1,949,567 1,945,070 1,950,597 1,941,340 1,942,210 1,919,883 1,919,883 1,919,883 1,919,883 1,919,883 1,919,883 1,919,883 1,919,883 1,921,260 1,921,260 1,921,2602008 Q1 683,925 1,290,105 1,291,977 1,296,988 1,298,633 1,286,315 1,286,859 1,287,336 1,287,049 1,286,815 1,287,315 1,284,948 1,284,948 1,284,948 1,284,948 1,284,888 1,284,888 1,284,8882008 Q2 877,475 1,586,532 1,572,035 1,553,578 1,554,528 1,555,731 1,557,751 1,558,361 1,558,546 1,558,546 1,558,546 1,558,571 1,558,571 1,558,571 1,558,571 1,558,571 1,558,571 1,558,5712008 Q3 872,658 1,467,347 1,464,334 1,464,650 1,459,831 1,460,270 1,460,270 1,460,270 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,5852008 Q4 1,411,117 2,052,513 2,024,495 2,030,486 2,031,141 2,030,258 2,030,258 2,026,878 2,026,878 2,026,878 2,026,878 2,030,258 2,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,2682009 Q1 647,459 1,018,477 1,021,140 1,025,456 1,027,113 1,027,203 1,023,200 1,023,187 1,022,587 1,020,707 1,020,707 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,0172009 Q2 536,716 928,344 933,299 939,992 939,795 941,075 928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,2042009 Q3 534,248 759,117 770,194 784,218 784,809 784,198 785,478 787,458 783,233 785,690 785,690 785,690 785,690 785,690 785,690 785,690 785,690 785,6902009 Q4 849,014 1,088,017 1,096,407 1,097,496 1,102,464 1,102,758 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,6502010 Q1 571,710 792,825 818,065 820,068 823,605 829,974 817,392 818,238 818,238 818,238 818,238 818,238 818,238 818,238 818,238 818,238 818,238 818,2382010 Q2 620,071 1,044,151 1,098,218 1,112,170 1,115,395 1,118,842 1,119,099 1,118,507 1,118,306 1,118,256 1,118,217 1,118,092 1,118,209 1,118,184 1,118,230 1,118,230 1,118,230 1,118,2302010 Q3 615,490 889,150 928,897 927,646 810,738 811,315 811,406 811,406 808,208 808,208 808,208 808,374 809,395 808,368 808,368 808,368 808,368 808,3682010 Q4 965,815 1,391,952 1,371,646 1,285,925 1,282,969 1,284,846 1,284,846 1,285,021 1,285,021 1,285,021 1,285,021 1,285,021 1,287,128 1,287,128 1,287,128 1,287,128 1,287,128 1,287,1282011 Q1 633,376 1,387,328 711,271 694,369 698,014 689,564 689,564 689,564 689,564 689,564 689,564 689,564 689,564 689,564 689,564 689,564 689,564 689,5642011 Q2 1,633,098 1,769,600 1,377,647 1,362,100 1,361,810 1,322,976 1,321,949 1,321,949 1,321,884 1,324,363 1,317,072 1,317,046 1,317,261 1,318,617 1,318,733 1,317,994 1,317,994 1,317,9942011 Q3 1,336,172 1,779,635 1,505,989 1,376,142 1,359,312 1,358,670 1,358,817 1,359,035 1,360,596 1,357,515 1,357,515 1,357,852 1,357,852 1,357,852 1,357,852 1,357,852 1,357,852 1,348,2422011 Q4 1,773,193 1,962,274 1,558,277 1,530,638 1,529,004 1,528,592 1,528,592 1,528,592 1,520,132 1,520,132 1,520,508 1,525,161 1,525,161 1,525,161 1,525,161 1,525,161 1,525,1612012 Q1 1,453,210 1,498,843 1,421,964 1,384,807 1,394,030 1,393,520 1,392,775 1,387,201 1,387,115 1,386,732 1,386,216 1,386,358 1,386,257 1,386,257 1,386,257 1,386,2572012 Q2 1,286,954 1,455,638 1,360,678 1,358,105 1,356,341 1,355,339 1,352,127 1,351,988 1,351,988 1,352,231 1,356,010 1,356,010 1,356,010 1,356,010 1,355,4032012 Q3 1,039,074 1,665,448 1,594,496 1,599,911 1,602,020 1,598,180 1,597,153 1,595,413 1,595,667 1,644,658 1,645,018 1,645,018 1,645,018 1,642,4662012 Q4 2,065,784 3,097,623 3,055,905 3,044,657 3,032,595 3,032,393 3,032,046 3,024,474 3,108,119 3,107,779 3,107,660 3,107,660 3,107,6602013 Q1 932,342 1,338,185 1,294,424 1,306,646 1,323,415 1,322,384 1,296,458 1,368,078 1,368,544 1,369,204 1,369,015 1,375,0692013 Q2 1,165,568 1,827,850 1,741,155 1,738,232 1,742,709 1,720,660 1,774,459 1,774,614 1,774,828 1,775,150 1,774,3332013 Q3 1,053,390 1,470,492 1,471,574 1,486,110 1,486,388 1,534,317 1,532,494 1,533,366 1,533,693 1,533,6872013 Q4 1,777,540 2,670,653 2,653,340 2,658,745 2,732,214 2,733,432 2,734,182 2,734,282 2,734,2822014 Q1 1,150,230 1,781,243 1,719,474 1,789,958 1,792,160 1,794,209 1,796,171 1,795,8502014 Q2 2,609,505 3,429,716 3,450,938 3,514,020 3,557,932 3,571,268 3,577,9442014 Q3 1,301,741 2,060,471 2,024,114 2,028,529 2,029,189 2,032,0282014 Q4 1,987,225 3,206,167 3,205,238 3,219,744 3,213,9052015 Q1 1,076,243 1,808,865 1,735,545 1,734,9022015 Q2 1,169,239 2,246,166 2,218,5962015 Q3 1,363,547 2,154,2722015 Q4 2,304,439


Exhibit C-4

Page 21 of 63


57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108

1,628,461 1,628,933 1,628,933 1,628,933 1,628,933 1,628,933 1,628,933 1,628,933 1,628,933 1,628,933 1,628,815 1,628,815 1,628,815 1,628,852 1,628,852 1,628,852 1,628,852 (54,990)929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558 929,558

1,215,835 1,215,835 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,889 1,215,8891,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,537 1,610,5371,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,260 1,921,2601,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,888 1,284,8881,558,571 1,558,571 1,558,571 1,558,571 1,561,126 1,561,126 1,561,126 1,561,126 1,561,126 1,561,126 1,561,126 1,561,126 1,561,1261,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,585 1,460,5852,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,268 2,027,2681,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017 1,021,017

928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,204 928,204785,690 785,690 785,690 785,690 785,690 785,690 785,690 785,690

1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650 1,100,650818,238 818,238 818,238 818,238 818,238 818,238

1,118,122 1,118,053 1,118,053 1,118,053 1,118,053808,368 808,368 808,368 808,361

1,287,128 1,287,128 1,287,128689,564 689,564

1,317,994


Exhibit C-4

Page 22 of 63


AccidentQtr End 3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54




Exhibit C-4

Page 23 of 63


54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail

1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 -0.0341.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.002 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.0001.000 1.000 1.0001.000 1.0001.000

54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


Exhibit C-5

Page 24 of 63

State of: PennsylvaniaCoverage: COLL

AccidentQtr End 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54

2006 Q4 3,415,587 4,533,152 4,209,610 4,144,219 4,074,964 4,019,569 3,998,610 3,956,605 3,956,642 3,936,724 3,937,049 3,936,597 3,936,547 3,936,397 3,935,892 3,935,842 3,935,742 3,935,8912007 Q1 4,009,716 5,524,022 5,148,086 4,936,138 4,854,634 4,837,693 4,820,577 4,817,553 4,809,062 4,816,906 4,812,945 4,812,886 4,812,876 4,812,837 4,812,779 4,812,675 4,814,620 4,814,8022007 Q2 3,328,538 4,578,111 4,223,995 4,100,504 4,037,285 3,999,291 3,988,481 3,977,473 3,973,236 3,973,186 3,973,186 3,972,841 3,972,841 3,970,364 3,970,509 3,970,778 3,970,778 3,970,7782007 Q3 3,875,070 4,998,331 4,639,499 4,451,489 4,403,992 4,385,480 4,382,225 4,331,728 4,322,453 4,304,160 4,307,783 4,307,783 4,307,836 4,307,836 4,300,398 4,300,398 4,300,398 4,300,3982007 Q4 4,279,439 6,119,270 5,790,753 5,575,029 5,489,323 5,486,982 5,448,876 5,414,909 5,403,870 5,401,474 5,400,927 5,405,327 5,405,975 5,405,975 5,404,983 5,404,583 5,404,583 5,404,7742008 Q1 4,863,100 6,170,157 5,849,961 5,705,476 5,620,458 5,613,000 5,574,557 5,561,147 5,550,260 5,548,785 5,553,864 5,546,335 5,546,335 5,546,335 5,546,335 5,546,335 5,546,335 5,546,3352008 Q2 3,723,304 4,845,121 4,577,528 4,418,332 4,382,150 4,355,094 4,309,996 4,288,779 4,271,296 4,269,002 4,269,085 4,269,085 4,269,360 4,269,459 4,269,447 4,269,447 4,252,036 4,251,7362008 Q3 3,323,991 4,414,694 4,112,116 3,973,139 3,927,229 3,911,885 3,899,156 3,896,137 3,896,827 3,897,336 3,900,205 3,897,045 3,896,772 3,897,038 3,897,679 3,898,124 3,898,124 3,898,1242008 Q4 3,980,702 5,585,485 5,193,009 5,097,770 4,981,307 4,971,474 4,950,037 4,941,323 4,936,794 4,936,598 4,936,375 4,934,150 4,929,602 4,929,485 4,929,056 4,928,791 4,925,213 4,925,6672009 Q1 3,608,665 4,586,756 4,365,397 4,276,224 4,239,790 4,219,837 4,221,724 4,215,726 4,217,614 4,224,542 4,217,536 4,215,358 4,215,358 4,215,632 4,215,632 4,215,632 4,215,632 4,215,6322009 Q2 2,481,174 2,966,104 2,818,268 2,753,088 2,732,656 2,714,742 2,729,825 2,728,207 2,722,853 2,727,979 2,728,866 2,728,679 2,720,692 2,718,333 2,718,240 2,718,230 2,718,230 2,718,2302009 Q3 2,445,287 2,841,209 2,602,029 2,512,848 2,510,682 2,508,992 2,495,148 2,497,561 2,498,888 2,500,898 2,494,338 2,494,338 2,494,353 2,497,075 2,497,075 2,497,075 2,497,075 2,497,0752009 Q4 2,573,454 3,646,076 3,501,069 3,448,279 3,448,229 3,437,859 3,430,469 3,422,223 3,429,614 3,425,312 3,425,312 3,425,130 3,425,304 3,425,304 3,425,304 3,433,897 3,433,897 3,433,8972010 Q1 2,795,821 3,231,115 3,157,633 3,148,374 3,139,626 3,135,955 3,130,513 3,120,769 3,125,319 3,123,671 3,123,671 3,123,442 3,123,043 3,124,667 3,124,667 3,124,850 3,124,850 3,124,8502010 Q2 2,347,420 2,514,075 2,425,493 2,358,422 2,368,243 2,354,664 2,369,986 2,365,564 2,361,112 2,360,913 2,360,810 2,361,135 2,357,950 2,357,890 2,357,930 2,357,930 2,357,930 2,357,9302010 Q3 2,170,103 2,364,233 2,229,774 2,199,961 2,173,882 2,183,555 2,182,815 2,180,299 2,181,173 2,177,755 2,177,755 2,177,755 2,177,755 2,177,755 2,177,755 2,178,717 2,178,763 2,178,7632010 Q4 2,127,096 2,841,473 2,772,516 2,700,678 2,752,865 2,745,475 2,742,541 2,744,040 2,743,858 2,743,522 2,744,436 2,744,375 2,744,167 2,743,975 2,743,598 2,743,098 2,743,009 2,742,7622011 Q1 2,529,400 2,936,513 2,840,945 2,841,244 2,837,304 2,833,625 2,827,230 2,826,980 2,831,013 2,826,508 2,826,161 2,822,037 2,821,886 2,821,787 2,821,632 2,821,745 2,821,550 2,821,2472011 Q2 2,570,976 2,745,400 2,618,176 2,571,829 2,574,158 2,556,489 2,548,025 2,548,575 2,548,875 2,548,875 2,544,795 2,544,795 2,544,795 2,544,496 2,544,496 2,544,496 2,544,490 2,544,4732011 Q3 2,695,132 3,263,001 3,130,005 3,073,458 3,079,397 3,083,007 3,077,319 3,077,319 3,077,319 3,072,814 3,072,814 3,073,779 3,074,749 3,074,749 3,074,749 3,074,749 3,074,749 3,056,1372011 Q4 3,296,196 3,880,736 3,735,674 3,689,595 3,685,596 3,682,798 3,684,684 3,682,011 3,656,764 3,652,144 3,646,329 3,646,329 3,646,329 3,646,329 3,642,027 3,642,114 3,641,3952012 Q1 3,168,460 3,766,290 3,650,911 3,625,148 3,644,615 3,650,036 3,652,935 3,607,312 3,604,132 3,604,082 3,602,425 3,602,205 3,602,361 3,602,023 3,601,792 3,608,4902012 Q2 3,157,682 4,003,557 3,911,889 3,879,204 3,868,483 3,850,745 3,823,024 3,812,809 3,812,766 3,812,781 3,812,781 3,811,011 3,810,511 3,810,538 3,799,4462012 Q3 3,079,932 4,146,942 3,892,844 3,815,781 3,800,757 3,751,303 3,775,272 3,776,835 3,768,847 3,768,937 3,768,876 3,768,596 3,768,496 3,766,8232012 Q4 3,557,960 5,191,976 5,012,987 4,958,780 4,866,717 4,841,739 4,832,622 4,779,498 4,779,538 4,783,018 4,775,154 4,775,154 4,770,8522013 Q1 4,561,443 5,487,852 5,244,595 5,135,795 5,114,103 5,111,215 5,104,617 5,104,533 5,100,285 5,094,227 5,095,594 5,085,5122013 Q2 4,062,840 4,796,222 4,644,679 4,553,529 4,500,204 4,484,009 4,478,251 4,478,603 4,484,845 4,479,766 4,476,8572013 Q3 3,800,040 4,799,570 4,660,283 4,608,458 4,603,996 4,600,974 4,611,199 4,606,415 4,611,563 4,612,6192013 Q4 4,927,852 6,789,726 6,499,461 6,373,008 6,303,376 6,248,987 6,238,880 6,228,768 6,208,0262014 Q1 5,933,041 7,640,085 7,475,416 7,419,111 7,323,225 7,320,248 7,327,212 7,329,7902014 Q2 4,251,578 5,785,656 5,542,019 5,466,660 5,441,002 5,432,767 5,418,8222014 Q3 4,527,082 5,972,771 5,831,513 5,760,944 5,786,892 5,776,5532014 Q4 5,422,680 8,130,390 7,829,074 7,678,740 7,628,6322015 Q1 6,903,975 9,946,252 9,583,025 9,476,4982015 Q2 5,283,324 8,209,637 7,710,5162015 Q3 5,549,135 8,648,1932015 Q4 6,268,439


Exhibit C-5

Page 25 of 63


57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108

3,935,816 3,935,716 3,935,641 3,935,623 3,935,539 3,935,489 3,935,414 3,935,389 3,935,364 3,935,339 3,935,239 3,935,218 3,935,132 3,935,067 3,935,003 3,934,934 3,934,888 (1,282,397)4,814,763 4,814,705 4,814,646 4,814,588 4,814,549 4,814,529 4,814,693 4,814,654 4,814,576 4,814,517 4,814,469 4,814,420 4,814,370 4,814,320 4,814,267 4,814,214 4,814,161 4,814,1263,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,778 3,970,7784,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,398 4,300,3985,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,324 5,404,031 5,403,855 5,403,7385,546,240 5,546,212 5,546,212 5,546,161 5,546,144 5,546,111 5,546,082 5,546,068 5,546,053 5,546,053 5,546,007 5,546,007 5,545,950 5,545,8104,255,805 4,255,605 4,253,954 4,249,013 4,249,087 4,249,087 4,249,052 4,248,894 4,248,841 4,248,632 4,248,372 4,248,096 4,247,8203,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,124 3,898,1244,926,305 4,926,196 4,926,141 4,926,141 4,925,827 4,925,687 4,925,687 4,925,687 4,925,636 4,925,636 4,925,1864,215,632 4,215,632 4,215,632 4,215,632 4,215,632 4,215,632 4,215,632 4,215,632 4,215,632 4,215,6322,718,230 2,718,230 2,718,230 2,718,230 2,718,230 2,718,230 2,718,230 2,718,230 2,718,2302,497,075 2,497,075 2,497,075 2,497,075 2,497,075 2,497,075 2,497,075 2,497,0753,433,897 3,433,897 3,433,897 3,433,897 3,433,897 3,433,897 3,433,8973,124,850 3,124,850 3,124,850 3,124,850 3,124,850 3,124,8502,357,930 2,357,930 2,357,930 2,357,930 2,357,9302,178,763 2,178,763 2,178,763 2,178,7632,742,745 2,742,716 2,742,6992,821,576 2,821,5762,540,774


Exhibit C-5

Page 26 of 63


AccidentQtr End 3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54

2006 Q4 1.327 0.929 0.984 0.983 0.986 0.995 0.989 1.000 0.995 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0002007 Q1 1.378 0.932 0.959 0.983 0.997 0.996 0.999 0.998 1.002 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.0002007 Q2 1.375 0.923 0.971 0.985 0.991 0.997 0.997 0.999 1.000 1.000 1.000 1.000 0.999 1.000 1.000 1.000 1.0002007 Q3 1.290 0.928 0.959 0.989 0.996 0.999 0.988 0.998 0.996 1.001 1.000 1.000 1.000 0.998 1.000 1.000 1.0002007 Q4 1.430 0.946 0.963 0.985 1.000 0.993 0.994 0.998 1.000 1.000 1.001 1.000 1.000 1.000 1.000 1.000 1.0002008 Q1 1.269 0.948 0.975 0.985 0.999 0.993 0.998 0.998 1.000 1.001 0.999 1.000 1.000 1.000 1.000 1.000 1.0002008 Q2 1.301 0.945 0.965 0.992 0.994 0.990 0.995 0.996 0.999 1.000 1.000 1.000 1.000 1.000 1.000 0.996 1.0002008 Q3 1.328 0.931 0.966 0.988 0.996 0.997 0.999 1.000 1.000 1.001 0.999 1.000 1.000 1.000 1.000 1.000 1.0002008 Q4 1.403 0.930 0.982 0.977 0.998 0.996 0.998 0.999 1.000 1.000 1.000 0.999 1.000 1.000 1.000 0.999 1.0002009 Q1 1.271 0.952 0.980 0.991 0.995 1.000 0.999 1.000 1.002 0.998 0.999 1.000 1.000 1.000 1.000 1.000 1.0002009 Q2 1.195 0.950 0.977 0.993 0.993 1.006 0.999 0.998 1.002 1.000 1.000 0.997 0.999 1.000 1.000 1.000 1.0002009 Q3 1.162 0.916 0.966 0.999 0.999 0.994 1.001 1.001 1.001 0.997 1.000 1.000 1.001 1.000 1.000 1.000 1.0002009 Q4 1.417 0.960 0.985 1.000 0.997 0.998 0.998 1.002 0.999 1.000 1.000 1.000 1.000 1.000 1.003 1.000 1.0002010 Q1 1.156 0.977 0.997 0.997 0.999 0.998 0.997 1.001 0.999 1.000 1.000 1.000 1.001 1.000 1.000 1.000 1.0002010 Q2 1.071 0.965 0.972 1.004 0.994 1.007 0.998 0.998 1.000 1.000 1.000 0.999 1.000 1.000 1.000 1.000 1.0002010 Q3 1.089 0.943 0.987 0.988 1.004 1.000 0.999 1.000 0.998 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0002010 Q4 1.336 0.976 0.974 1.019 0.997 0.999 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0002011 Q1 1.161 0.967 1.000 0.999 0.999 0.998 1.000 1.001 0.998 1.000 0.999 1.000 1.000 1.000 1.000 1.000 1.0002011 Q2 1.068 0.954 0.982 1.001 0.993 0.997 1.000 1.000 1.000 0.998 1.000 1.000 1.000 1.000 1.000 1.000 1.0002011 Q3 1.211 0.959 0.982 1.002 1.001 0.998 1.000 1.000 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.0002011 Q4 1.177 0.963 0.988 0.999 0.999 1.001 0.999 0.993 0.999 0.998 1.000 1.000 1.000 0.999 1.0002012 Q1 1.189 0.969 0.993 1.005 1.001 1.001 0.988 0.999 1.000 1.000 1.000 1.000 1.000 1.0002012 Q2 1.268 0.977 0.992 0.997 0.995 0.993 0.997 1.000 1.000 1.000 1.000 1.000 1.0002012 Q3 1.346 0.939 0.980 0.996 0.987 1.006 1.000 0.998 1.000 1.000 1.000 1.0002012 Q4 1.459 0.966 0.989 0.981 0.995 0.998 0.989 1.000 1.001 0.998 1.0002013 Q1 1.203 0.956 0.979 0.996 0.999 0.999 1.000 0.999 0.999 1.0002013 Q2 1.181 0.968 0.980 0.988 0.996 0.999 1.000 1.001 0.9992013 Q3 1.263 0.971 0.989 0.999 0.999 1.002 0.999 1.0012013 Q4 1.378 0.957 0.981 0.989 0.991 0.998 0.9982014 Q1 1.288 0.978 0.992 0.987 1.000 1.0012014 Q2 1.361 0.958 0.986 0.995 0.9982014 Q3 1.319 0.976 0.988 1.0052014 Q4 1.499 0.963 0.9812015 Q1 1.441 0.9632015 Q2 1.5542015 Q3 1.5582015 Q4



Exhibit C-5

Page 27 of 63


54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail

1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 -0.3261.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.001 1.000 1.000 0.999 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.0001.000 1.000 1.0001.000 1.0001.000

54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


Exhibit C-6

Page 28 of 63

State of: PennsylvaniaCoverage: MEDNF

AccidentQtr End 3 6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54

2006 Q4 1,328,162 1,688,907 1,602,154 1,601,683 1,586,550 1,619,192 1,638,781 1,656,397 1,659,721 1,684,872 1,713,263 1,706,486 1,707,770 1,716,360 1,708,812 1,705,124 1,730,225 1,731,9802007 Q1 1,523,314 1,820,499 1,735,497 1,710,235 1,712,763 1,713,010 1,699,018 1,710,186 1,676,297 1,689,930 1,798,976 1,818,566 1,806,848 1,805,350 1,753,472 1,723,296 1,696,797 1,703,2002007 Q2 1,133,414 1,640,125 1,538,364 1,521,454 1,550,005 1,576,175 1,599,071 1,612,239 1,604,948 1,604,062 1,604,790 1,606,219 1,620,506 1,622,807 1,628,725 1,620,737 1,620,737 1,620,7372007 Q3 1,360,791 1,922,322 1,949,112 1,919,044 2,020,176 2,080,528 2,082,289 2,098,288 2,091,416 2,097,527 2,091,505 2,096,698 2,099,900 2,100,917 2,097,447 2,098,977 2,104,384 2,106,9202007 Q4 1,514,430 1,823,373 2,074,831 2,093,096 2,153,392 2,123,918 2,063,703 2,092,780 2,125,531 2,127,951 2,152,113 2,146,547 2,138,846 2,143,622 2,150,561 2,139,828 2,140,310 2,151,4512008 Q1 1,489,585 1,888,861 1,743,072 1,707,290 1,690,062 1,741,472 1,804,931 1,820,942 1,832,680 1,857,212 1,870,017 1,882,173 1,876,699 1,879,344 1,863,783 1,873,883 1,873,883 1,868,3432008 Q2 1,348,827 1,815,632 1,620,759 1,602,764 1,747,671 1,823,803 1,803,973 1,873,674 1,898,858 1,831,092 1,795,629 1,792,817 1,837,994 1,832,129 1,854,265 1,856,516 1,876,461 1,890,8752008 Q3 1,273,742 2,028,744 1,766,209 1,739,294 1,751,762 1,827,349 1,802,377 1,846,225 1,817,515 1,824,002 1,831,377 1,845,107 1,849,344 1,854,856 1,857,374 1,858,246 1,857,543 1,857,5432008 Q4 1,377,035 2,048,874 1,922,569 1,872,774 2,063,460 2,119,494 2,048,268 2,116,575 2,079,324 2,081,500 2,069,543 2,079,017 2,104,594 2,106,351 2,120,278 2,121,328 2,123,828 2,128,2992009 Q1 1,128,444 1,399,824 1,382,027 1,599,170 1,611,223 1,563,473 1,574,521 1,622,209 1,641,356 1,638,022 1,629,043 1,628,571 1,633,546 1,633,557 1,633,557 1,625,680 1,629,859 1,632,3052009 Q2 942,173 1,463,272 1,232,405 1,232,350 1,231,483 1,243,918 1,276,074 1,282,360 1,519,171 1,539,523 1,543,552 1,546,722 1,547,910 1,545,180 1,548,612 1,551,492 1,560,473 1,569,9502009 Q3 1,037,911 1,336,435 1,206,343 1,216,309 1,190,547 1,211,845 1,253,773 1,297,076 1,347,263 1,369,036 1,418,034 1,388,517 1,395,610 1,406,504 1,409,004 1,382,051 1,382,305 1,396,4832009 Q4 962,724 1,330,236 1,159,504 1,150,185 1,209,580 1,215,261 1,241,846 1,251,690 1,257,190 1,252,029 1,257,048 1,246,590 1,255,340 1,255,593 1,265,714 1,261,984 1,260,211 1,260,2112010 Q1 1,028,429 1,232,521 1,136,244 1,159,283 1,160,148 1,180,348 1,201,306 1,192,866 1,189,729 1,225,786 1,227,260 1,227,731 1,239,400 1,233,978 1,237,222 1,237,143 1,238,098 1,248,1952010 Q2 832,773 1,137,491 1,057,252 1,025,330 1,118,422 1,140,256 1,135,853 1,211,768 1,238,510 1,237,567 1,251,768 1,258,026 1,269,542 1,290,917 1,295,331 1,302,276 1,302,548 1,349,8152010 Q3 533,558 1,076,214 1,074,048 1,044,283 1,055,066 1,080,732 1,098,591 1,126,926 1,127,445 1,133,807 1,126,078 1,108,824 1,110,573 1,107,144 1,107,195 1,107,195 1,109,362 1,129,8752010 Q4 623,435 938,797 962,359 950,171 946,791 955,394 957,120 979,199 982,148 983,287 984,901 981,542 981,656 983,415 985,650 985,150 985,275 985,3762011 Q1 748,394 1,033,987 1,003,731 986,070 1,002,147 1,002,781 949,946 984,415 1,047,166 1,050,877 1,050,989 1,056,795 1,060,622 1,059,637 1,041,171 1,041,401 1,042,356 1,038,3302011 Q2 726,709 1,030,404 1,135,802 1,097,280 1,094,010 1,096,116 1,103,812 1,078,223 1,104,864 1,116,267 1,116,947 1,232,964 1,243,706 1,246,030 1,252,993 1,254,144 1,228,187 1,232,9462011 Q3 675,242 1,084,341 1,015,028 1,081,330 1,074,964 1,068,112 1,103,657 1,137,377 1,166,361 1,180,186 1,198,862 1,204,832 1,209,477 1,217,339 1,217,922 1,215,547 1,217,448 1,206,9472011 Q4 627,483 1,208,747 1,223,684 1,192,883 1,203,764 1,195,435 1,210,167 1,230,678 1,278,163 1,287,698 1,347,377 1,372,023 1,376,088 1,378,872 1,336,785 1,339,257 1,335,4912012 Q1 936,319 1,332,939 1,139,187 1,145,980 1,159,818 1,181,599 1,170,525 1,181,800 1,203,941 1,227,605 1,233,149 1,234,054 1,237,581 1,269,124 1,268,559 1,283,7492012 Q2 1,094,839 1,448,852 1,356,208 1,323,946 1,366,891 1,377,638 1,378,967 1,401,689 1,415,745 1,406,153 1,404,389 1,409,322 1,424,996 1,431,410 1,435,1542012 Q3 1,007,243 1,431,157 1,379,764 1,371,135 1,380,794 1,392,810 1,417,730 1,429,699 1,424,320 1,427,879 1,436,139 1,441,614 1,463,178 1,470,4292012 Q4 1,006,999 1,672,113 1,582,370 1,675,891 1,670,282 1,743,128 1,778,817 1,830,037 1,853,651 1,913,455 1,924,987 1,954,228 1,987,0632013 Q1 1,027,171 1,507,101 1,405,479 1,433,035 1,541,649 1,551,236 1,568,174 1,580,031 1,592,273 1,593,017 1,596,877 1,601,9622013 Q2 1,257,891 1,580,390 1,483,036 1,633,691 1,693,313 1,730,168 1,731,074 1,780,601 1,912,943 2,001,987 2,037,7372013 Q3 998,424 1,319,341 1,305,277 1,433,382 1,472,883 1,504,831 1,548,211 1,626,604 1,684,932 1,728,5412013 Q4 1,152,832 1,938,166 1,956,417 1,948,934 1,981,408 1,993,509 1,998,359 1,995,991 2,035,0092014 Q1 852,809 1,318,939 1,248,981 1,286,893 1,321,772 1,344,762 1,349,591 1,413,9422014 Q2 1,061,247 1,504,123 1,593,957 1,626,099 1,656,086 1,700,182 1,717,2312014 Q3 1,198,005 1,812,874 1,771,130 1,843,157 1,892,710 1,900,7342014 Q4 1,517,496 2,061,674 2,214,758 2,300,630 2,282,6022015 Q1 1,550,742 2,865,418 2,853,326 2,841,5162015 Q2 1,499,040 2,736,476 2,519,5332015 Q3 2,271,519 2,998,5252015 Q4 1,954,422


Exhibit C-6

Page 29 of 63


57 60 63 66 69 72 75 78 81 84 87 90 93 96 99 102 105 108

1,732,242 1,725,546 1,725,546 1,729,948 1,729,948 1,729,948 1,729,948 1,730,423 1,730,423 1,730,423 1,730,698 1,730,698 1,730,698 1,730,698 1,730,698 1,730,698 1,730,698 24,1341,700,797 1,701,811 1,712,499 1,712,499 1,714,342 1,714,867 1,714,867 1,710,333 1,710,333 1,710,333 1,710,333 1,710,333 1,710,333 1,710,333 1,710,333 1,710,333 1,710,333 1,710,3331,630,558 1,630,558 1,614,258 1,614,258 1,614,258 1,614,258 1,614,258 1,682,588 1,682,588 1,613,602 1,613,602 1,613,779 1,613,779 1,613,779 1,613,779 1,613,779 1,613,7792,107,130 2,107,613 2,109,176 2,109,256 2,109,583 2,109,793 2,109,793 2,109,793 2,109,793 2,109,793 2,109,793 2,109,793 2,109,793 2,109,793 2,109,793 2,109,7932,151,451 2,149,551 2,149,551 2,154,648 2,154,648 2,179,008 2,187,578 2,187,578 2,186,808 2,186,808 2,186,808 2,187,249 2,188,987 2,188,987 2,188,9871,868,343 1,862,025 1,862,563 1,862,938 1,863,315 1,863,319 1,868,999 1,864,125 1,864,125 1,864,125 1,864,125 1,864,125 1,864,125 1,864,1251,893,347 1,897,972 1,895,472 1,916,041 1,916,073 1,898,902 1,898,902 1,898,902 1,899,194 1,899,194 1,903,494 1,903,494 1,903,4941,857,543 1,860,810 1,860,810 1,859,285 1,861,085 1,860,992 1,860,992 1,859,675 1,859,675 1,859,396 1,859,396 1,859,3962,144,694 2,194,694 2,219,732 2,219,732 2,219,732 2,219,732 2,219,732 2,221,433 2,221,433 2,221,433 2,221,4331,630,054 1,633,192 1,633,192 1,633,192 1,633,192 1,636,690 1,636,690 1,637,865 1,637,865 1,637,8651,564,742 1,564,453 1,564,663 1,564,663 1,563,844 1,563,844 1,556,930 1,557,249 1,557,2491,370,598 1,372,590 1,372,590 1,372,590 1,374,574 1,374,474 1,374,474 1,374,4741,260,211 1,260,211 1,254,899 1,254,899 1,254,899 1,254,899 1,254,8991,247,689 1,246,336 1,246,336 1,246,336 1,246,336 1,246,3361,350,402 1,350,402 1,343,304 1,343,304 1,349,2401,133,157 1,133,859 1,113,859 1,113,843

985,376 973,070 981,7191,038,732 1,038,7321,232,442


Exhibit C-6

Page 30 of 63


AccidentQtr End 3-6 6-9 9-12 12-15 15-18 18-21 21-24 24-27 27-30 30-33 33-36 36-39 39-42 42-45 45-48 48-51 51-54

3/31/05 3.394 0.971 1.004 1.015 1.009 1.029 1.003 1.001 0.989 0.995 1.000 1.000 1.001 1.000 1.000 1.000 1.0006/30/05 1.272 0.949 1.000 0.991 1.021 1.012 1.011 1.002 1.015 1.017 0.996 1.001 1.005 0.996 0.998 1.015 1.0019/30/05 1.195 0.953 0.985 1.001 1.000 0.992 1.007 0.980 1.008 1.065 1.011 0.994 0.999 0.971 0.983 0.985 1.004

12/31/05 1.447 0.938 0.989 1.019 1.017 1.015 1.008 0.995 0.999 1.000 1.001 1.009 1.001 1.004 0.995 1.000 1.0003/31/06 1.413 1.014 0.985 1.053 1.030 1.001 1.008 0.997 1.003 0.997 1.002 1.002 1.000 0.998 1.001 1.003 1.0016/30/06 1.204 1.138 1.009 1.029 0.986 0.972 1.014 1.016 1.001 1.011 0.997 0.996 1.002 1.003 0.995 1.000 1.0059/30/06 1.268 0.923 0.979 0.990 1.030 1.036 1.009 1.006 1.013 1.007 1.007 0.997 1.001 0.992 1.005 1.000 0.997

12/31/06 1.346 0.893 0.989 1.090 1.044 0.989 1.039 1.013 0.964 0.981 0.998 1.025 0.997 1.012 1.001 1.011 1.0083/31/07 1.593 0.871 0.985 1.007 1.043 0.986 1.024 0.984 1.004 1.004 1.007 1.002 1.003 1.001 1.000 1.000 1.0006/30/07 1.488 0.938 0.974 1.102 1.027 0.966 1.033 0.982 1.001 0.994 1.005 1.012 1.001 1.007 1.000 1.001 1.0029/30/07 1.240 0.987 1.157 1.008 0.970 1.007 1.030 1.012 0.998 0.995 1.000 1.003 1.000 1.000 0.995 1.003 1.002

12/31/07 1.553 0.842 1.000 0.999 1.010 1.026 1.005 1.185 1.013 1.003 1.002 1.001 0.998 1.002 1.002 1.006 1.0063/31/08 1.288 0.903 1.008 0.979 1.018 1.035 1.035 1.039 1.016 1.036 0.979 1.005 1.008 1.002 0.981 1.000 1.0106/30/08 1.382 0.872 0.992 1.052 1.005 1.022 1.008 1.004 0.996 1.004 0.992 1.007 1.000 1.008 0.997 0.999 1.0009/30/08 1.198 0.922 1.020 1.001 1.017 1.018 0.993 0.997 1.030 1.001 1.000 1.010 0.996 1.003 1.000 1.001 1.008

12/31/08 1.366 0.929 0.970 1.091 1.020 0.996 1.067 1.022 0.999 1.011 1.005 1.009 1.017 1.003 1.005 1.000 1.0363/31/09 2.017 0.998 0.972 1.010 1.024 1.017 1.026 1.000 1.006 0.993 0.985 1.002 0.997 1.000 1.000 1.002 1.0186/30/09 1.506 1.025 0.987 0.996 1.009 1.002 1.023 1.003 1.001 1.002 0.997 1.000 1.002 1.002 0.999 1.000 1.0009/30/09 1.382 0.971 0.982 1.016 1.001 0.947 1.036 1.064 1.004 1.000 1.006 1.004 0.999 0.983 1.000 1.001 0.996

12/31/09 1.418 1.102 0.966 0.997 1.002 1.007 0.977 1.025 1.010 1.001 1.104 1.009 1.002 1.006 1.001 0.979 1.0043/31/10 1.606 0.936 1.065 0.994 0.994 1.033 1.031 1.025 1.012 1.016 1.005 1.004 1.007 1.000 0.998 1.002 0.9916/30/10 1.926 1.012 0.975 1.009 0.993 1.012 1.017 1.039 1.007 1.046 1.018 1.003 1.002 0.969 1.002 0.9979/30/10 1.424 0.855 1.006 1.012 1.019 0.991 1.010 1.019 1.020 1.005 1.001 1.003 1.025 1.000 1.012

12/31/10 1.323 0.936 0.976 1.032 1.008 1.001 1.016 1.010 0.993 0.999 1.004 1.011 1.005 1.0033/31/11 1.421 0.964 0.994 1.007 1.009 1.018 1.008 0.996 1.002 1.006 1.004 1.015 1.0056/30/11 1.660 0.946 1.059 0.997 1.044 1.020 1.029 1.013 1.032 1.006 1.015 1.0179/30/11 1.467 0.933 1.020 1.076 1.006 1.011 1.008 1.008 1.000 1.002 1.003

12/31/11 1.256 0.938 1.102 1.036 1.022 1.001 1.029 1.074 1.047 1.0183/13/12 1.321 0.989 1.098 1.028 1.022 1.029 1.051 1.036 1.0266/30/12 1.681 1.009 0.996 1.017 1.006 1.002 0.999 1.0209/30/12 1.547 0.947 1.030 1.027 1.017 1.004 1.048

12/31/12 1.417 1.060 1.020 1.018 1.027 1.0103/31/13 1.513 0.977 1.041 1.027 1.0046/30/13 1.359 1.074 1.039 0.9929/30/13 1.848 0.996 0.996

12/31/13 1.825 0.9213/31/14 1.3206/30/14



Exhibit C-6

Page 31 of 63


54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail

1.000 1.000 1.000 1.000 1.000 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 0.996 1.000 1.003 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 0.0140.999 1.001 1.006 1.000 1.001 1.000 1.000 0.997 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.006 1.000 0.990 1.000 1.000 1.000 1.000 1.042 1.000 0.959 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.001 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 0.999 1.000 1.002 1.000 1.011 1.004 1.000 1.000 1.000 1.000 1.000 1.001 1.000 1.0001.000 0.997 1.000 1.000 1.000 1.000 1.003 0.997 1.000 1.000 1.000 1.000 1.000 1.0001.001 1.002 0.999 1.011 1.000 0.991 1.000 1.000 1.000 1.000 1.002 1.000 1.0001.000 1.002 1.000 0.999 1.001 1.000 1.000 0.999 1.000 1.000 1.000 1.0001.008 1.023 1.011 1.000 1.000 1.000 1.000 1.001 1.000 1.000 1.0000.999 1.002 1.000 1.000 1.000 1.002 1.000 1.001 1.000 1.0000.997 1.000 1.000 1.000 0.999 1.000 0.996 1.000 1.0000.981 1.001 1.000 1.000 1.001 1.000 1.000 1.0001.000 1.000 0.996 1.000 1.000 1.000 1.0001.000 0.999 1.000 1.000 1.000 1.0001.000 1.000 0.995 1.000 1.0041.003 1.001 0.982 1.0001.000 0.988 1.0091.000 1.0001.000

54-57 57-60 60-63 63-66 66-69 69-72 72-75 75-78 78-81 81-84 84-87 87-90 90-93 93-96 Tail1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.0001.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


Exhibit D

Page 32 of 63

PENNSYLVANIA - MID-CENTURY INSURANCE COMPANY

Bodily Injury Coverage Property Damage Coverage Medical/No Fault

Company FT Company FT Company FTYear Average Company Average FT Year Average Company Average FT Year Average Company Average FT

Ending Loss % Cng Loss % Cng Ending Loss % Cng Loss % Cng Ending Loss % Cng Loss % Cng

12/31/12 10,582 18,855 12/31/12 3,020 2,942 12/31/12 4,474 4,13703/31/13 11,182 18,992 03/31/13 3,110 2,956 03/31/13 4,283 4,04606/30/13 11,862 19,238 06/30/13 2,937 2,981 06/30/13 4,391 4,02409/30/13 12,367 19,487 09/30/13 2,988 3,016 09/30/13 3,940 3,99712/31/13 11,769 19,578 3.8% 12/31/13 3,103 3,043 3.4% 12/31/13 3,186 4,041 -2.3%03/31/14 11,824 5.7% 20,098 5.8% 03/31/14 3,139 1.0% 3,049 3.1% 03/31/14 2,987 -30.2% 4,122 1.9%06/30/14 11,987 1.1% 20,381 5.9% 06/30/14 3,223 9.7% 3,076 3.2% 06/30/14 2,796 -36.3% 4,182 3.9%09/30/14 11,317 -8.5% 20,674 6.1% 09/30/14 3,176 6.3% 3,108 3.0% 09/30/14 2,902 -26.3% 4,177 4.5%12/31/14 11,334 -3.7% 21,747 11.1% 12/31/14 3,152 1.6% 3,130 2.8% 12/31/14 2,866 -10.0% 4,157 2.9%03/31/15 11,106 -6.1% 22,039 9.7% 03/31/15 3,232 3.0% 3,182 4.4% 03/31/15 3,082 3.2% 4,184 1.5%06/30/15 10,685 -10.9% 22,119 8.5% 06/30/15 3,237 0.4% 3,225 4.8% 06/30/15 3,166 13.2% 4,169 -0.3%09/30/15 11,215 -0.9% 22,240 7.6% 09/30/15 3,282 3.3% 3,272 5.3% 09/30/15 3,356 15.6% 4,219 1.0%12/31/15 11,452 1.0% 12/31/15 3,253 3.2% 12/31/15 3,549 23.8%

# Claims 915 64,269 # Claims 4,652 235,309 # Claims 2,507 118,156

Cred. 0.29 Cred. Wtd. Cred. 0.66 Cred. Wtd. Cred. 0.49 Cred. Wtd.4 Pt Fit 5.8% 3.7% 2.9% 4 Pt Fit 1.3% 2.9% 6.0% 4 Pt Fit 21.2% 11.3% 1.7%6 Pt Fit -0.1% 5.5% 7.7% 6 Pt Fit 2.8% 3.6% 5.1% 6 Pt Fit 18.8% 9.5% 0.5%8 Pt Fit -3.5% 4.8% 8.2% 8 Pt Fit 2.0% 2.8% 4.4% 8 Pt Fit 12.4% 6.9% 1.7%12 Pt Fit -2.4% 4.3% 7.0% 12 Pt Fit 3.2% 3.4% 3.8% 12 Pt Fit -8.4% -3.3% 1.5%

Retrospective: 4.8% Retrospective: 2.8% Retrospective: 6.9%Prospective: 5.0% Prospective: 3.2% Prospective: 8.0%

Company Company CompanyYear Paid Company FT FT Year Paid Company FT FT Year Paid Company FT FT

Ending Freq % Cng Freq % Cng Ending Freq % Cng Freq % Cng Ending Freq % Cng Freq % Cng

12/31/12 1.6458 0.9626 12/31/12 6.0598 3.4467 12/31/12 3.1221 1.87953/31/13 1.4794 0.9479 03/31/13 5.8017 3.4310 03/31/13 2.8346 1.86636/30/13 1.1850 0.9464 06/30/13 5.7663 3.4557 06/30/13 2.6979 1.85949/30/13 1.0601 0.9594 09/30/13 5.6081 3.4674 09/30/13 2.5736 1.8547

12/31/13 1.0102 0.9700 0.8% 12/31/13 5.6148 3.4835 1.1% 12/31/13 2.6765 1.8571 -1.2%3/31/14 1.0967 -25.9% 0.9723 2.6% 03/31/14 5.6041 -3.4% 3.5149 2.4% 03/31/14 2.6368 -7.0% 1.8530 -0.7%6/30/14 1.1879 0.2% 0.9631 1.8% 06/30/14 5.4052 -6.3% 3.5141 1.7% 06/30/14 2.4771 -8.2% 1.8218 -2.0%9/30/14 1.2598 18.8% 0.9576 -0.2% 09/30/14 5.3050 -5.4% 3.4911 0.7% 09/30/14 2.4076 -6.5% 1.7855 -3.7%

12/31/14 1.2527 24.0% 0.9534 -1.7% 12/31/14 5.1817 -7.7% 3.4817 -0.1% 12/31/14 2.3296 -13.0% 1.7649 -5.0%3/31/15 1.1378 3.7% 0.9599 -1.3% 03/31/15 5.1797 -7.6% 3.4644 -1.4% 03/31/15 2.4241 -8.1% 1.7622 -4.9%6/30/15 1.0177 -14.3% 0.9612 -0.2% 06/30/15 5.1464 -4.8% 3.4869 -0.8% 06/30/15 2.5212 1.8% 1.7545 -3.7%9/30/15 0.9581 -24.0% 0.9593 0.2% 09/30/15 4.9553 -6.6% 3.5122 0.6% 09/30/15 2.5979 7.9% 1.7636 -1.2%

12/31/15 0.9444 -24.6% 12/31/15 4.8013 -7.3% 12/31/15 2.5879 11.1%

Cred. Wtd. Cred. Wtd. Cred. Wtd.4 Pt Fit -21.9% -5.8% 0.8% 4 Pt Fit -10.1% -6.2% 1.3% 4 Pt Fit 9.5% 4.5% -0.3%6 Pt Fit -23.6% -6.9% 0.0% 6 Pt Fit -7.0% -4.7% -0.1% 6 Pt Fit 8.7% 3.0% -2.4%8 Pt Fit -12.7% -4.2% -0.7% 8 Pt Fit -7.4% -4.9% -0.1% 8 Pt Fit 1.4% -1.1% -3.5%12 Pt Fit -8.2% -2.3% 0.2% 12 Pt Fit -6.4% -4.0% 0.6% 12 Pt Fit -3.3% -3.0% -2.8%

Retrospective: -4.2% Retrospective: -4.9% Retrospective: -1.1%Prospective: -6.0% Prospective: -5.0% Prospective: 3.0%

Overall Loss Trend: Overall Loss Trend: Overall Loss Trend:Retrospective: 0.4% Retrospective: -2.2% Retrospective: 5.7%Prospective: -1.3% Prospective: -2.0% Prospective: 11.2%

Bodily Injury Coverage Property Damage Coverage Personal Injury Protection

Retrospective: 0.4% Retrospective: -2.2% Retrospective: 5.7%

Prospective: -1.3% Prospective: -2.0% Prospective: 11.2%

Exhibit D

Page 33 of 63

Comprehensive Coverage Collision CoveragePD & Coll

Company FT Company FTYear Average Company Average FT Year Average Company Average FT

Ending Loss % Cng Loss % Cng Ending Loss % Cng Loss % Cng

12/31/12 1,664 2,845 12/31/12 4,084 2,74803/31/13 1,598 2,885 03/31/13 4,024 2,81506/30/13 1,626 2,907 06/30/13 3,876 2,83309/30/13 1,536 2,929 09/30/13 3,843 2,84212/31/13 1,649 2,950 3.7% 12/31/13 3,840 2,856 3.9%03/31/14 1,488 -6.9% 2,954 2.4% 03/31/14 3,829 -4.8% 2,859 1.6%06/30/14 1,350 -17.0% 2,956 1.7% 06/30/14 3,935 1.5% 2,835 0.1%09/30/14 1,424 -7.3% 2,989 2.1% 09/30/14 3,879 0.9% 2,870 1.0%12/31/14 1,576 -4.4% 3,016 2.3% 12/31/14 3,923 2.2% 2,903 1.6%03/31/15 1,572 5.7% 3,078 4.2% 03/31/15 3,941 2.9% 2,975 4.1%06/30/15 1,610 19.3% 3,124 5.7% 06/30/15 3,856 -2.0% 3,024 6.6%09/30/15 1,563 9.8% 3,152 5.4% 09/30/15 3,948 1.8% 3,033 5.6%12/31/15 1,563 -0.8% 12/31/15 3,996 1.9%

# Claims 3,815 302,171 # Claims 6,395 369,033

Cred. 0.60 Cred. Wtd Cred. 0.78 Cred. Wtd.4 Pt Fit -1.9% 1.3% 6.1% 4 Pt Fit 2.7% 3.4% 6.1%6 Pt Fit 5.5% 5.5% 5.6% 6 Pt Fit 1.7% 2.7% 6.1%8 Pt Fit 7.1% 6.0% 4.3% 8 Pt Fit 1.5% 2.1% 4.2%12 Pt Fit -0.4% 1.1% 3.5% 12 Pt Fit 0.4% 1.0% 3.1%

Retrospective: 6.0% Retrospective: 2.1%Prospective: 4.5% Prospective: 3.0%

Company PD & Coll CompanyYear Paid Company FT FT Year Paid Company FT FT

Ending Freq % Cng Freq % Cng Ending Freq % Cng Freq % Cng

12/31/12 5.9681 4.7977 12/31/12 8.2034 6.148803/31/13 5.5912 4.8385 03/31/13 8.5272 6.246006/30/13 5.2650 4.8741 06/30/13 8.3106 6.292409/30/13 4.8892 4.9041 09/30/13 8.0089 6.340712/31/13 4.7098 4.9552 3.3% 12/31/13 8.3763 6.4270 4.5%03/31/14 4.8236 -13.7% 5.0904 5.2% 03/31/14 8.9465 4.9% 6.6659 6.7%06/30/14 4.7744 -9.3% 5.1118 4.9% 06/30/14 8.6621 4.2% 6.7094 6.6%09/30/14 4.7971 -1.9% 5.1011 4.0% 09/30/14 8.4698 5.8% 6.7111 5.8%12/31/14 5.0168 6.5% 5.0906 2.7% 12/31/14 8.2090 -2.0% 6.6996 4.2%03/31/15 4.7915 -0.7% 5.0550 -0.7% 03/31/15 8.3981 -6.1% 6.6457 -0.3%06/30/15 4.8323 1.2% 5.1120 0.0% 06/30/15 8.3934 -3.1% 6.7371 0.4%09/30/15 4.7553 -0.9% 5.1565 1.1% 09/30/15 8.3568 -1.3% 6.8008 1.3%12/31/15 4.8153 -4.0% 12/31/15 8.4208 2.6%

Cred. Wtd Cred. Wtd.4 Pt Fit 0.0% 0.8% 2.0% 4 Pt Fit 0.1% 0.6% 2.4%6 Pt Fit -1.5% -0.7% 0.5% 6 Pt Fit 0.3% 0.4% 0.8%8 Pt Fit -0.3% 0.3% 1.3% 8 Pt Fit -2.9% -1.8% 2.0%12 Pt Fit -3.3% -1.0% 2.6% 12 Pt Fit 0.0% 0.8% 3.7%

Retrospective: 0.3% Retrospective: -1.8%Prospective: 0.0% Prospective: 0.5%

Overall Loss Trend: Overall Loss Trend:Retrospective: 6.3% Retrospective: 0.3%Prospective: 4.5% Prospective: 3.5%

Comprehensive Coverage Collision Coverage

Retrospective: 6.3% Retrospective: 0.3%

Prospective: 4.5% Prospective: 3.5%

PENNSYLVANIA - MID-CENTURY INSURANCE COMPANY

Exhibit E

Page 34 of 63

DeseasonalizedMonthly Monthly Average

Obs Cal Month/Yr Premium at Current Earned Pols Rate1 Jan 2013 369,060 1,444 255.002 Feb 2013 353,775 1,428 246.553 Mar 2013 427,121 1,757 241.914 Apr 2013 444,207 1,848 239.565 May 2013 490,203 2,053 238.406 Jun 2013 506,656 2,127 238.297 Jul 2013 559,832 2,351 238.628 Aug 2013 597,354 2,508 239.419 Sep 2013 614,295 2,573 239.95

10 Oct 2013 675,983 2,830 239.6711 Nov 2013 692,335 2,905 238.6412 Dec 2013 744,833 3,150 236.3813 Jan 2014 773,108 3,295 234.1114 Feb 2014 734,891 3,147 232.3315 Mar 2014 861,296 3,705 231.2816 Apr 2014 880,138 3,818 229.8117 May 2014 956,507 4,181 228.4418 Jun 2014 975,739 4,294 227.3319 Jul 2014 1,058,579 4,691 226.1820 Aug 2014 1,111,135 4,972 224.5821 Sep 2014 1,130,694 5,085 223.4722 Oct 2014 1,234,368 5,574 222.1723 Nov 2014 1,262,463 5,708 221.5024 Dec 2014 1,370,200 6,219 220.2425 Jan 2015 1,435,597 6,545 218.8526 Feb 2015 1,362,906 6,226 217.8127 Mar 2015 1,575,021 7,220 217.0528 Apr 2015 1,583,792 7,313 215.8829 May 2015 1,690,715 7,872 214.4930 Jun 2015 1,682,999 7,891 213.3731 Jul 2015 1,785,222 8,447 211.8332 Aug 2015 1,826,702 8,728 210.3533 Sep 2015 1,799,889 8,673 208.6234 Oct 2015 1,889,902 9,176 206.7735 Nov 2015 1,829,282 8,951 204.87

Historical Premium Trend, Indexed for: 2013 Q1 -6.6% 0.82952013 Q2 -5.9% 0.86012013 Q3 -6.6% 0.85752013 Q4 -7.2% 0.86162014 Q1 -6.9% 0.88262014 Q2 -6.9% 0.89822014 Q3 -7.0% 0.91322014 Q4 -7.3% 0.92732015 Q1 -7.7% 0.94162015 Q2 -8.7% 0.95582015 Q3 -9.7% 0.9748

Future Premium Trend -8.2%


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Bodily Injury

Premium Trend

Exhibit E

Page 35 of 63



10 Oct 2013 639,959 2,830 226.8911 Nov 2013 650,697 2,905 224.2812 Dec 2013 700,135 3,150 222.1913 Jan 2014 727,760 3,295 220.3814 Feb 2014 693,242 3,147 219.1715 Mar 2014 814,886 3,705 218.8216 Apr 2014 833,096 3,818 217.5217 May 2014 904,807 4,181 216.1018 Jun 2014 922,364 4,294 214.8919 Jul 2014 1,000,645 4,691 213.8020 Aug 2014 1,050,023 4,972 212.2321 Sep 2014 1,067,839 5,085 211.0422 Oct 2014 1,164,994 5,574 209.6823 Nov 2014 1,189,383 5,708 208.6724 Dec 2014 1,290,180 6,219 207.3825 Jan 2015 1,350,717 6,545 205.9126 Feb 2015 1,287,597 6,226 205.7827 Mar 2015 1,493,039 7,220 205.7528 Apr 2015 1,501,521 7,313 204.6629 May 2015 1,602,775 7,872 203.3330 Jun 2015 1,592,126 7,891 201.8531 Jul 2015 1,684,818 8,447 199.9232 Aug 2015 1,727,018 8,728 198.8733 Sep 2015 1,702,808 8,673 197.3734 Oct 2015 1,792,251 9,176 196.0835 Nov 2015 1,734,529 8,951 194.26




Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Property Damage

Premium Trend

Exhibit E

Page 36 of 63



10 Oct 2013 258,977 2,465 105.4111 Nov 2013 259,678 2,516 103.3612 Dec 2013 278,805 2,719 102.5013 Jan 2014 288,936 2,836 101.6414 Feb 2014 273,323 2,702 100.6315 Mar 2014 317,207 3,167 99.6516 Apr 2014 321,771 3,251 98.6617 May 2014 349,316 3,556 98.1018 Jun 2014 355,706 3,651 97.4719 Jul 2014 385,110 3,986 96.8420 Aug 2014 405,335 4,229 96.3321 Sep 2014 413,409 4,325 96.0622 Oct 2014 452,416 4,745 95.6623 Nov 2014 465,326 4,865 95.7824 Dec 2014 507,097 5,307 95.5125 Jan 2015 532,086 5,590 94.9626 Feb 2015 505,725 5,326 94.4827 Mar 2015 584,957 6,189 94.0428 Apr 2015 590,619 6,288 93.6329 May 2015 634,459 6,785 93.3830 Jun 2015 634,280 6,815 93.1231 Jul 2015 677,799 7,315 92.8732 Aug 2015 698,384 7,573 92.6933 Sep 2015 691,308 7,535 92.2334 Oct 2015 728,766 7,988 91.5935 Nov 2015 705,287 7,799 90.65




Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Uninsured Motorist

Premium Trend

Exhibit E

Page 37 of 63







Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Comprehensive

Premium Trend

Exhibit E

Page 38 of 63



10 Oct 2013 928,204 2,163 430.5611 Nov 2013 940,984 2,216 425.1512 Dec 2013 1,019,003 2,407 423.0713 Jan 2014 1,065,806 2,525 421.0714 Feb 2014 1,017,718 2,415 419.3615 Mar 2014 1,195,185 2,837 419.1716 Apr 2014 1,227,434 2,922 418.7817 May 2014 1,337,980 3,201 417.4318 Jun 2014 1,371,041 3,290 416.9219 Jul 2014 1,493,866 3,597 416.2620 Aug 2014 1,577,751 3,825 414.6021 Sep 2014 1,613,110 3,920 413.6322 Oct 2014 1,767,573 4,302 412.2323 Nov 2014 1,813,902 4,413 411.6424 Dec 2014 1,978,623 4,821 410.2225 Jan 2015 2,077,097 5,079 408.0326 Feb 2015 1,981,806 4,838 407.5627 Mar 2015 2,299,547 5,623 406.9228 Apr 2015 2,320,426 5,707 405.3029 May 2015 2,488,384 6,154 403.7830 Jun 2015 2,483,915 6,180 402.1131 Jul 2015 2,646,195 6,632 399.9132 Aug 2015 2,721,958 6,869 398.2433 Sep 2015 2,686,865 6,828 395.5934 Oct 2015 2,833,078 7,234 393.1735 Nov 2015 2,749,009 7,065 390.10




Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Collision

Premium Trend

Exhibit E

Page 39 of 63






Premium Trend


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Medical/No-Fault

Exhibit F

Page 40 of 63

Pennsylvania

All Companies

Line of Business: AutoEvaluation Date: Quarter 4, 2015

Catastrophe Factor

Accident Paid Catastrophe Normal CatastropheYear Loss & DCC Loss & DCC Loss & DCC Factor2006 6,464,697 472,541 5,992,156 1.07892007 7,243,238 139,303 7,103,935 1.01962008 7,506,224 254,036 7,252,188 1.03502009 4,727,376 88,167 4,639,209 1.01902010 5,273,756 398,925 4,874,831 1.08182011 6,915,945 353,599 6,562,346 1.05392012 8,207,105 1,142,913 7,064,192 1.16182013 7,912,503 151,755 7,760,748 1.01962014 13,129,214 4,105,527 9,023,687 1.45502015 9,245,626 386,207 8,859,418 1.0436Total 76,625,684 7,492,973 69,132,711 1.1084

Exhibit G-1

Page 41 of 63

Farmers New Century Insurance CompanyMid-Century Insurance Company

Expense AnalysisPennsylvania

Private Passenger Auto(Amounts in Thousands)

Expense 2012 2013 2014 SelectedComponent Amount % Amount % Amount % %

Premiums Written $12,145 100.0% $30,969 100.0% $57,801 100.0%Commissions and Brokerage $1,585 13.0% $5,423 17.5% $5,782 10.0% 11.1%

Taxes, Licenses, & Fees $916 7.5% $1,184 3.8% $1,503 2.6% 2.2%Premiums Earned $8,772 100.0% $26,004 100.0% $50,031 100.0%

Other Acquisition & General $5,926 67.6% $8,654 33.3% $17,063 34.1% 18.0%Other Income less Other Expenses ($133) -1.5% ($209) -0.8% ($239) -0.5% -0.7%

Total 86.6% 53.8% 46.2% 30.6%

Adjusting and Other (Liability) $603 11.4% $1,029 6.8% $6,419 22.8% 11.0%Premiums Earned (Liability) $5,278 $15,154 $28,121

Adjusting and Other (Phys Dam) $323 9.2% $1,200 11.1% 2,592 11.8% 11.0%Premiums Earned (Phys Dam) $3,494 $10,850 $21,911

SOURCES SELECTION

Premiums Written Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Annual Statement Page 14Lines 19.1, 19.2, and 21.1column 1

Commissions and Brokerage Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 23

Taxes, Licenses, & Fees Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1column 12

Premiums Earned Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Annual Statement Page 14Lines 19.1, 19.2, and 21.1column 2

Other Acquisition & General Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 27 and 29

Other Income less Other Expenses Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 31

Adjusting and Other Sum of Farmers New Century Ins Co and Mid-Century Ins CoFor the state of PennsylvaniaFinancials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 11 and 17

Exhibit G-2

Page 42 of 63

Farmers Insurance GroupProjected Investment Income Ratio

Percent of Total Assets

(000 Omitted)

2012 2013 2014

(1) Net Investment Income Earned 502,397 422,986 392,129FIG Consolidated Annual StatementPage 4, Line 9, Column 1

(2) Total Assets, current year 24,301,351 24,094,804 24,145,287FIG Consolidated Annual StatementPage 2, Line 26, Column 3

(3) Total Assets, previous year 24,179,168 24,301,351 24,094,804FIG Consolidated Annual StatementPage 2, Line 26, Column 4

(4) Average Total Assets 24,240,259 24,198,077 24,120,045[ (2) + (3) ] / 2

(5) Investment Income Ratio 2.1% 1.7% 1.6%(1) / (4)

(6) Projected Investment Income 1.6% =ii(three-year average)

Exhibit G-3

Page 43 of 63

Farmers Insurance GroupNet Realized Capital Gains

Percent of Total Assets

(000 Omitted)

Total Avg. with Realized Cap. Percent AverageYear Assets* Prior Year Gains** Return Cap Gains

1980 3,634,699 (10,494)1981 3,926,527 3,780,613 (12,486) -0.3%1982 4,223,299 4,074,913 (26,853) -0.7% -0.7%1983 4,598,221 4,410,760 (3,773) -0.1% -0.4%1984 4,903,894 4,751,058 17,446 0.4% -0.1%1985 5,676,097 5,289,995 82,360 1.6% 0.3%1986 6,956,911 6,316,504 122,176 1.9% 0.6%1987 7,775,115 7,366,013 28,205 0.4% 0.6%1988 8,707,533 8,241,324 141,175 1.7% 0.7%1989 9,640,862 9,174,198 87,070 0.9% 0.8%1990 10,612,794 10,126,828 90,738 0.9% 0.8%1991 11,580,703 11,096,749 236,461 2.1% 0.9%1992 12,357,318 11,969,011 344,083 2.9% 1.1%1993 13,340,263 12,848,791 316,809 2.5% 1.2%1994 12,683,956 13,012,110 168,748 1.3% 1.2%1995 12,050,610 12,367,283 157,480 1.3% 1.2%1996 12,041,209 12,045,910 150,743 1.3% 1.2%1997 12,357,046 12,199,128 297,625 2.4% 1.3%1998 14,763,606 13,560,326 74,597 0.6% 1.3%1999 15,603,826 15,183,716 27,009 0.2% 1.2%2000 16,155,992 15,879,909 (12,277) -0.1% 1.1%2001 14,908,778 15,532,385 363,945 2.3% 1.2%2002 15,726,766 15,317,772 184,329 1.2% 1.2%2003 17,048,575 16,387,670 20,284 0.1% 1.1%2004 18,408,620 17,728,598 37,617 0.2% 1.1%2005 19,568,397 18,988,509 6,567 0.0% 1.1%2006 20,735,536 20,151,967 42,800 0.2% 1.0%2007 22,389,097 21,562,317 127,825 0.6% 1.0%2008 22,014,931 22,202,014 (112,450) -0.5% 1.0%2009 24,877,329 23,446,130 7,424 0.0% 0.9%2010 24,553,874 24,715,601 24,051 0.1% 0.9%2011 24,179,168 24,366,521 61,669 0.3% 0.9%2012 24,301,351 24,240,259 79,940 0.3% 0.9%2013 24,094,804 24,198,077 71,048 0.3% 0.8%2014 24,145,287 24,120,045 108,474 0.4% 0.8%

0.4% = CG

* Source: Annual Statement Page 2, Line 26, Column 3** Source: Annual Statement Page 4, Line 10, Column 1 (Pre-tax amount)

Exhibit G-4

Page 44 of 63

Farmers Insurance GroupFederal Taxes on Investment Income

(000 Omitted)2012 2013 2014

TAXABLE TAXABLE TAXABLE TAXABLE TAXABLE TAXABLETYPE OF INVESTMENT INCOME PORTION INCOME INCOME PORTION INCOME INCOME PORTION INCOME SOURCE

Taxable Bonds $494,223 100.0% $494,223 $437,406 100.0% $437,406 $403,916 100.0% $403,916 Page 12 Exhibit of Net Investment Income Lines 1 and 1.2, Col 2

Tax-Exempt Bonds Page 12 Exhibit of Net Investment IncomeOld (prior to 8/86) 0 0.0% 0 0 0.0% 0 0 0.0% 0 Line 1.1, Col 2New (after to 8/86) 140,365 15.0% 21,055 118,030 15.0% 17,704 107,819 15.0% 16,173

Stocks Page 12 Exhibit of Net Investment IncomeOld (prior to 8/86) 0 30.0% 0 0 30.0% 0 0 30.0% 0 Lines 2.1 and 2.2, Col 2New (after to 8/86) 6,345 40.5% 2,570 5,924 40.5% 2,399 11,270 40.5% 4,564 * See Footnote

Other Investment Income 48,423 100.0% 48,423 41,051 100.0% 41,051 33,430 100.0% 33,430 Page 12 Exhibit of Net Investment Income Lines 3 through 9, Col 2

Realized Capital Gains 218,162 100.0% 218,162 82,666 100.0% 82,666 89,946 100.0% 89,946 Page 4, Line 10 (EXPECTED)

GROSS TOTAL 907,518 784,433 685,077 581,227 646,381 548,029

Investment Expenses 187,574 100.0% 187,574 180,040 100.0% 180,040 164,844 100.0% 164,844 Page 12 Exhibit of Net Investment Income Line 16, Col 2

NET TOTAL 719,944 596,859 505,037 401,186 481,537 383,185

CORPORATE TAX RATE (Assuming Regular Taxpayer) 35.0% 35.0% 35.0%

TAX AMOUNT 208,901 140,415 134,115

TAX AMOUNT AS % OF INVESTMENT INCOME 29.0% 27.8% 27.9% 28.2%= ti

* 30% of income is fully taxable, the remainder is 15% taxable.

Exhibit G-5

Page 45 of 63

Farmers Insurance GroupUnearned Premium Reserves

Private Passenger Auto Liability

(1) 2014 Direct Earned Premium 4,027,472,090

(2) 2014 Unearned Premium Reserve 1,097,485,720(3) 2013 Unearned Premium Reserve 1,135,571,426

(4) Average [ (2) + (3) ] / 2 1,116,528,573(5) Percent of Earned Premium (4) / (1) 27.7% = U

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century Annual Statement page 14, Lines 19.1 and 19.2

Exhibit G-6

Page 46 of 63

Farmers Insurance GroupReserves for Loss, Defense and Cost Containment Expenses and Adjusting and Other Expenses

Private Passenger Auto Liability

(000 Omitted)

2012 2013 2014 Selected (Average)

(1a) Direct Losses Incurred 2,473,362 2,355,132 2,414,022(1b) Direct Defense and Cost Containment Expenses Incurred 129,762 127,056 126,128(1c) Direct Adjusting and Other Expenses Incurred 444,020 363,032 447,907(1d) Direct Losses, DCC and A&O Incurred 3,047,144 2,845,221 2,988,058

(2a) Direct Losses Unpaid (Current Year) 2,636,747 2,594,247 2,685,577(2b) Direct Defense and Cost Containment Expenses Unpaid (Current Year) 300,715 293,916 285,352(2c) Direct Adjusting and Other Expenses Unpaid (Current Year) 306,642 310,652 325,877(2d) Direct Losses, DCC and A&O Unpaid (Current Year) 3,244,103 3,198,815 3,296,806

(3a) Direct Losses Unpaid (Prior Year) 2,596,151 2,636,747 2,594,247(3b) Direct Defense and Cost Containment Expenses Unpaid (Prior Year) 311,726 300,715 293,916(3c) Direct Adjusting and Other Expenses Unpaid (Prior Year) 313,321 306,642 310,652(3d) Direct Losses, DCC and A&O Unpaid (Prior Year) 3,221,198 3,244,103 3,198,815

(4) Average [ (2d) + (3d) ] / 2 3,232,650 3,221,459 3,247,811(5) Percent of Incurred Losses, DCC and A&O (4) / (1d) 106.1% 113.2% 108.7% lr = 109.3%

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Insurance Expense Exhibit, Part III, Lines 19.1 and 19.2

Exhibit G-7

Page 47 of 63


PennsylvaniaPrivate Passenger Auto Liability

Permissible Loss, DCC and A&O Ratio

EstimateR = Target Total After-Tax Return on Surplus 15.0%S = Leverage Ratio 2.00 : 1

Prem:Surplus (=R/RT)RT = Total After-Tax Return as % of Premium 7.5%

=R/SE = Underwriting Expenses 30.6%U = Unearned Premium Reserve 27.7%lr = Loss, DCC and A&O Reserve 109.3%i = Investment Income, % of Total Assets 2.0%

tu = Tax Rate on Underwriting Assuming a Regular Taxpayer 35.0%ti = Tax Rate on Investment Income 28.2%

L = Permissible Loss, DCC and A&O Ratio 61.1%

C = Target Combined Ratio 91.7%= L + E

RT = [(1 - tu) * (1- E - L)] (Underwriting Income)+ (1 - ti) * i * [L * lr + U] (Investment Income on Reserves)+ [(1 - ti) * i] / S (Investment Income on Surplus)

which yields

L = [(1 - tu) * (1 - E)] + {[(1 - ti) * i] * [U + 1 / S]} - RT1 - tu - (1 - ti) * i * lr

Exhibit G-8

Page 48 of 63

Farmers Insurance GroupUnearned Premium Reserves

Private Passenger Auto Physical Damage

(1) 2014 Direct Earned Premium 2,576,511,792

(2) 2014 Unearned Premium Reserve 720,198,704(3) 2013 Unearned Premium Reserve 713,895,450

(4) Average [ (2) + (3) ] / 2 717,047,077(5) Percent of Earned Premium (4) / (1) 27.8% = U

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century Annual Statement page 14, Line 21.1

Exhibit G-9

Page 49 of 63

Farmers Insurance GroupReserves for Loss, Defense and Cost Containment Expenses and Adjusting and Other Expenses

Private Passenger Auto Physical Damage

(000 Omitted)

2012 2013 2014 Selected (Average)

(1a) Direct Losses Incurred 1,564,597 1,562,946 1,587,673(1b) Direct Defense and Cost Containment Expenses Incurred (1,236) 2,036 2,693(1c) Direct Adjusting and Other Expenses Incurred 190,525 250,946 146,899(1d) Direct Losses, DCC and A&O Incurred 1,753,886 1,815,928 1,737,265

(2a) Direct Losses Unpaid (Current Year) 192,380 183,797 188,684(2b) Direct Defense and Cost Containment Expenses Unpaid (Current Year) 2,538 2,357 2,709(2c) Direct Adjusting and Other Expenses Unpaid (Current Year) 47,551 48,748 51,789(2d) Direct Losses, DCC and A&O Unpaid (Current Year) 242,470 234,902 243,182

(3a) Direct Losses Unpaid (Prior Year) 195,181 192,380 183,797(3b) Direct Defense and Cost Containment Expenses Unpaid (Prior Year) 6,962 2,538 2,357(3c) Direct Adjusting and Other Expenses Unpaid (Prior Year) 49,772 47,551 48,748(3d) Direct Losses, DCC and A&O Unpaid (Prior Year) 251,915 242,470 234,902

(4) Average [ (2d) + (3d) ] / 2 247,192 238,686 239,042(5) Percent of Incurred Losses, DCC and A&O (4) / (1d) 14.1% 13.1% 13.8% lr = 13.7%

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Insurance Expense Exhibit, Part III, Line 21.1

Exhibit G-10

Page 50 of 63


PennsylvaniaPrivate Passenger Auto Physical Damage

Permissible Loss, DCC and A&O Ratio

EstimateR = Target Total After-Tax Return on Surplus 15.0%S = Leverage Ratio 4.00 : 1

Prem:Surplus (=R/RT)RT = Total After-Tax Return as % of Premium 3.8%

=R/SE = Underwriting Expenses 30.6%U = Unearned Premium Reserve 27.8%lr = Loss, DCC and A&O Reserve 13.7%i = Investment Income, % of Total Assets 2.0%

tu = Tax Rate on Underwriting Assuming a Regular Taxpayer 35.0%ti = Tax Rate on Investment Income 28.2%

L = Permissible Loss, DCC and A&O Ratio 65.0%

C = Target Combined Ratio 95.6%= L + E

RT = [(1 - tu) * (1- E - L)] (Underwriting Income)+ (1 - ti) * i * [L * lr + U] (Investment Income on Reserves)+ [(1 - ti) * i] / S (Investment Income on Surplus)

which yields

L = [(1 - tu) * (1 - E)] + {[(1 - ti) * i] * [U + 1 / S]} - RT1 - tu - (1 - ti) * i * lr

Exhibit H

Page 51 of 63

Credibility Standard developed using Claimant CountsCoverage mean SD (k=5%,P=90%) (k=2.5%,P=90%)

BI 8,934 14,574 3,962 15,854PD 2,477 2,742 2,407 9,634UM 7,340 15,288 5,776 23,114

COMP 694 1,889 9,088 36,368COLL 3,249 3,445 2,298 9,198

MEDNF 2,913 4,682 3,878 15,520

Year 1 Year 2 Year 3BI 1,152 0.539 0.50 0.50 0.00PD 3,626 1.000 1.00 0.00 0.00UM 601 0.323 0.34 0.33 0.33

COMP 3,183 0.592 0.60 0.40 0.00COLL 5,396 1.000 1.00 0.00 0.00

MEDNF 2,708 0.836 0.80 0.20 0.00

The accident year (quarter) weights are determined by taking the annual reported claims counts and comparing to the count of claims required for full credibility.

In selecting the degree of credibility assigned to each coverage, we used a method similar to those described by L.H. Longley-Cook in his paper An Introduction to Credibility Theory. Longley-Cook points out that a sample of 1,082 claims would result in a frequency calculation, which has a 90% probability of being within 5% of the "actual" underlying frequency. He also points out that this sample size must be multiplied by a factor of (1+ T) to achieve the same degree of confidence in the calculated pure premiums, where T is a measure of the variance of the underlying distribution of claim costs, namely the coefficient of variation of claim costs squared (CV^2). Thus, the number of claims per year (based on a rolling 4-quarter sum) needed to have a 90% probability of that annual pure premium amount's being within 5% of the "actual" is calculated as (1 + CV^2) * 1,082 for each coverage. This is taken as the full credibility standard.

We use a round down rule to get to the selected accident year weight. Once the accident year weights have been decided, we divide the annual weights evenly to determine the quarterly weights.

Accident Year and Accident Quarter Weight Selection Method

Accident Year WeightsCoverage

Reported Count

Single Year Credibility

Exhibit I-1

Page 52 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesBase Rate

Coverage Current Proposed ChangeAccidental Death Benefit 3.3789 3.8519 14.0%

BDOC BI with Primary 5.7124 5.9980 5.0%BDOC MED 3.0631 3.5838 17.0%

BDOC PD with Primary 3.2211 3.4144 6.0%BI 128.5571 133.9571 4.2%

COLL 154.2034 161.9916 5.1%COMP 73.7557 74.1699 0.6%

DOC Accidental Death Benefit 0.0940 0.1100 17.0%DOC Funeral Expenses 0.0308 0.0360 16.9%

DOC Income Loss Benefits 0.5770 0.6751 17.0%DOC MED - Extraordinary 0.9297 1.0877 17.0%

Funeral Expenses 1.1082 1.2633 14.0%Income Loss Benefits 20.7430 23.6470 14.0%

MED 82.4270 94.0000 14.0%MED - Extraordinary 33.4227 38.1018 14.0%

PD 62.0248 65.2692 5.2%RENTAL RE ($100 per day) 71.7418 75.8311 5.7%RENTAL RE ($50 per day) 35.8176 37.8592 5.7%

TOWING 6.7531 6.7531 0.0%UIM 12.4816 12.3783 -0.8%UM 8.1347 8.0674 -0.8%

Exhibit I-2

Page 53 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesCamper and Trailer - Base

Current Current Proposed Proposed Change ChangeACV Range Comp Coll Comp Coll Comp Coll

0 - 1050 2.4000 2.4000 2.4480 2.5368 2.0% 5.7%1051 - 1300 3.5000 2.7000 3.5700 2.8539 2.0% 5.7%1301 - 1600 3.8000 3.2000 3.8760 3.3824 2.0% 5.7%1601 - 1900 4.2000 3.8000 4.2840 4.0166 2.0% 5.7%1901 - 2400 5.2000 4.8000 5.3040 5.0736 2.0% 5.7%2401 - 3000 6.8000 6.4000 6.9360 6.7648 2.0% 5.7%3001 - 4000 8.5000 8.2000 8.6700 8.6674 2.0% 5.7%4001 - 5000 11.1000 10.6000 11.3220 11.2042 2.0% 5.7%5001 - 6000 13.8000 12.9000 14.0760 13.6353 2.0% 5.7%6001 - 7000 16.0000 14.7000 16.3200 15.5379 2.0% 5.7%7001 - 8000 18.7000 17.0000 19.0740 17.9690 2.0% 5.7%8001 - 9000 21.3000 19.3000 21.7260 20.4001 2.0% 5.7%

9001 - 10000 23.2000 21.5000 23.6640 22.7255 2.0% 5.7%10001 - 12000 25.9000 24.4000 26.4180 25.7908 2.0% 5.7%12001 - 14000 29.7000 27.6000 30.2940 29.1732 2.0% 5.7%14001 - 16000 33.5000 30.9000 34.1700 32.6613 2.0% 5.7%16001 - 18000 37.3000 34.6000 38.0460 36.5722 2.0% 5.7%18001 - 20000 41.0000 37.8000 41.8200 39.9546 2.0% 5.7%20001 - 22000 44.3000 40.6000 45.1860 42.9142 2.0% 5.7%22001 - 24000 48.0000 43.9000 48.9600 46.4023 2.0% 5.7%24001 - 26000 51.6000 47.2000 52.6320 49.8904 2.0% 5.7%26001 - 28000 54.8000 50.0000 55.8960 52.8500 2.0% 5.7%28001 - 30000 58.5000 53.2000 59.6700 56.2324 2.0% 5.7%

30001 - 999999 87.9000 79.4000 89.6580 83.9258 2.0% 5.7%

Exhibit I-3

Page 54 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesDriver Class Factor

Current Current Current Current Current Current Proposed Proposed Proposed Proposed Proposed Proposed Change Change Change Change Change ChangeDriver Class BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL

M67 1.0027 1.0430 0.8460 1.2703 0.7964 0.9761 1.0027 1.0581 0.8460 1.2703 0.7964 0.9761 0.0% 1.4% 0.0% 0.0% 0.0% 0.0%M68 1.0074 1.0489 0.8528 1.2954 0.7910 0.9848 1.0074 1.1197 0.8528 1.2954 0.7910 0.9848 0.0% 6.7% 0.0% 0.0% 0.0% 0.0%M69 1.0074 1.0489 0.8572 1.3122 0.7833 0.9915 1.0074 1.1197 0.8572 1.3122 0.7833 0.9915 0.0% 6.7% 0.0% 0.0% 0.0% 0.0%M70 1.0119 1.0489 0.8595 1.3290 0.7789 0.9960 1.0119 1.1197 0.8595 1.3290 0.7789 0.9960 0.0% 6.7% 0.0% 0.0% 0.0% 0.0%M71 1.0164 1.0489 0.8617 1.3458 0.7722 1.0005 1.0266 1.1197 0.8617 1.3458 0.7722 1.0005 1.0% 6.7% 0.0% 0.0% 0.0% 0.0%M72 1.0209 1.0489 0.8639 1.3627 0.7678 1.0050 1.0822 1.1197 0.8639 1.3627 0.7678 1.0050 6.0% 6.7% 0.0% 0.0% 0.0% 0.0%M73 1.0209 1.0489 0.8683 1.3795 0.7600 1.0117 1.0916 1.1197 0.8683 1.3795 0.7600 1.0117 6.9% 6.7% 0.0% 0.0% 0.0% 0.0%M74 1.0209 1.0489 0.8739 1.3963 0.7545 1.0184 1.1426 1.1197 0.8739 1.3963 0.7545 1.0184 11.9% 6.7% 0.0% 0.0% 0.0% 0.0%M75 1.1209 1.1164 0.9092 1.4466 0.7235 1.0484 1.2112 1.1869 0.9092 1.4466 0.7235 1.0484 8.1% 6.3% 0.0% 0.0% 0.0% 0.0%M76 1.2650 1.2214 0.9575 1.5067 0.6902 1.0971 1.2839 1.2581 0.9579 1.5067 0.6902 1.0971 1.5% 3.0% 0.0% 0.0% 0.0% 0.0%M77 1.4379 1.3597 1.0157 1.5612 0.6513 1.1602 1.3604 1.3336 1.0153 1.5612 0.6513 1.1602 -5.4% -1.9% 0.0% 0.0% 0.0% 0.0%M78 1.5302 1.4638 1.0551 1.5766 0.6323 1.2146 1.4408 1.4120 1.0551 1.5766 0.6323 1.2146 -5.8% -3.5% 0.0% 0.0% 0.0% 0.0%M79 1.6091 1.5594 1.0913 1.5766 0.6123 1.2646 1.5249 1.4962 1.0913 1.5766 0.6123 1.2646 -5.2% -4.1% 0.0% 0.0% 0.0% 0.0%M80 1.6757 1.6426 1.1307 1.5486 0.5938 1.3351 1.6055 1.5847 1.1307 1.5486 0.5938 1.3351 -4.2% -3.5% 0.0% 0.0% 0.0% 0.0%S63 1.0930 1.0419 0.9043 1.2976 0.8420 0.9939 1.0930 1.0419 0.9043 1.3067 0.8420 0.9997 0.0% 0.0% 0.0% 0.7% 0.0% 0.6%S64 1.1010 1.0477 0.9004 1.2976 0.8352 0.9939 1.1010 1.0740 0.9004 1.3067 0.8352 0.9997 0.0% 2.5% 0.0% 0.7% 0.0% 0.6%S65 1.1004 1.1491 0.9444 1.4120 0.8783 1.0639 1.1004 1.1283 0.9444 1.3851 0.8783 1.0596 0.0% -1.8% 0.0% -1.9% 0.0% -0.4%S67 1.1548 1.2117 0.9207 1.3277 0.8512 1.0879 1.1548 1.1891 0.9207 1.3277 0.8512 1.0879 0.0% -1.9% 0.0% 0.0% 0.0% 0.0%S68 1.1963 1.1670 0.8645 1.1704 0.7883 1.0363 1.1963 1.1891 0.8645 1.1704 0.7883 1.0363 0.0% 1.9% 0.0% 0.0% 0.0% 0.0%S69 1.2099 1.1894 0.8680 1.1688 0.7825 1.0468 1.2099 1.1891 0.8680 1.1688 0.7825 1.0468 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%S73 1.2349 1.2565 0.8817 1.1625 0.7651 1.0791 1.2652 1.2565 0.8817 1.1625 0.7651 1.0791 2.5% 0.0% 0.0% 0.0% 0.0% 0.0%S74 1.2564 1.2898 0.8851 1.1609 0.7593 1.0920 1.3373 1.3254 0.8851 1.1609 0.7593 1.1262 6.4% 2.8% 0.0% 0.0% 0.0% 3.1%S75 1.3092 1.3596 0.8915 1.2113 0.7226 1.1543 1.4130 1.3939 0.8915 1.2113 0.7226 1.1937 7.9% 2.5% 0.0% 0.0% 0.0% 3.4%S76 1.4252 1.4679 0.9239 1.2170 0.7170 1.2476 1.4977 1.4776 0.9239 1.2170 0.7170 1.2654 5.1% 0.7% 0.0% 0.0% 0.0% 1.4%S77 1.5827 1.5986 0.9652 1.2215 0.7130 1.3621 1.5876 1.5662 0.9652 1.2215 0.7130 1.3413 0.3% -2.0% 0.0% 0.0% 0.0% -1.5%S78 1.7525 1.7038 1.0124 1.1725 0.7414 1.4483 1.6829 1.6602 1.0124 1.1725 0.7414 1.4218 -4.0% -2.6% 0.0% 0.0% 0.0% -1.8%S79 1.9044 1.7936 1.0425 1.1668 0.7400 1.5246 1.6829 1.7490 1.0425 1.1668 0.7400 1.5066 -11.6% -2.5% 0.0% 0.0% 0.0% -1.2%S80 1.9386 1.8114 1.0227 1.1022 0.6937 1.5072 1.7721 1.8114 1.0227 1.1022 0.6937 1.5066 -8.6% 0.0% 0.0% 0.0% 0.0% 0.0%S81 2.0198 1.8772 1.0377 1.0637 0.6678 1.5429 1.8746 1.8772 1.0377 1.0637 0.6678 1.5429 -7.2% 0.0% 0.0% 0.0% 0.0% 0.0%S82 2.0477 1.9416 1.0452 1.0270 0.6372 1.5549 1.9790 1.9467 1.0452 1.0270 0.6372 1.5549 -3.4% 0.3% 0.0% 0.0% 0.0% 0.0%S83 2.1440 2.0609 1.0951 1.0511 0.6486 1.6419 2.0884 2.0635 1.0951 1.0511 0.6486 1.6419 -2.6% 0.1% 0.0% 0.0% 0.0% 0.0%

Exhibit I-4

Page 55 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesExcluded Driver

Current Current Current Current Current Current Proposed Proposed Proposed Proposed Proposed Proposed Change Change Change Change Change ChangeChild Spouse Parent Other BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL

N N N N 0.9913 0.9912 0.9688 0.9688 0.9830 0.9907 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.9% 0.9% 3.2% 3.2% 1.7% 0.9%N N N Y 1.0592 1.0481 1.0604 1.0604 1.0632 1.0992 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -5.6% -4.6% -5.7% -5.7% -5.9% -9.0%N N Y N 1.0706 1.0705 0.9688 0.9688 0.9827 0.9907 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -6.6% -6.6% 3.2% 3.2% 1.8% 0.9%N N Y Y 1.1439 1.1320 1.0604 1.0604 1.0630 1.0992 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -12.6% -11.7% -5.7% -5.7% -5.9% -9.0%N Y N N 0.9913 1.0408 1.0463 1.0463 1.0363 1.0403 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.9% -3.9% -4.4% -4.4% -3.5% -3.9%N Y N Y 1.0592 1.1005 1.1452 1.1452 1.1210 1.1541 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -5.6% -9.1% -12.7% -12.7% -10.8% -13.4%N Y Y N 1.0706 1.1241 1.0463 1.0463 1.0361 1.0403 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -6.6% -11.0% -4.4% -4.4% -3.5% -3.9%N Y Y Y 1.1439 1.1886 1.1452 1.1452 1.1207 1.1541 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -12.6% -15.9% -12.7% -12.7% -10.8% -13.4%Y N N N 1.0245 1.0427 1.0610 1.0610 1.0347 1.0208 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -2.4% -4.1% -5.7% -5.7% -3.4% -2.0%Y N N Y 1.0947 1.1025 1.1612 1.1612 1.1192 1.1325 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -8.7% -9.3% -13.9% -13.9% -10.7% -11.7%Y N Y N 1.1065 1.1261 1.0610 1.0610 1.0345 1.0208 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -9.6% -11.2% -5.7% -5.7% -3.3% -2.0%Y N Y Y 1.1823 1.1907 1.1612 1.1612 1.1189 1.1325 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -15.4% -16.0% -13.9% -13.9% -10.6% -11.7%Y Y N N 1.0245 1.0948 1.1458 1.1458 1.0909 1.0718 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -2.4% -8.7% -12.7% -12.7% -8.3% -6.7%Y Y N Y 1.0947 1.1576 1.2541 1.2541 1.1800 1.1891 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -8.7% -13.6% -20.3% -20.3% -15.3% -15.9%Y Y Y N 1.1065 1.1824 1.1458 1.1458 1.0906 1.0718 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -9.6% -15.4% -12.7% -12.7% -8.3% -6.7%Y Y Y Y 1.1823 1.2502 1.2541 1.2541 1.1797 1.1891 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -15.4% -20.0% -20.3% -20.3% -15.2% -15.9%

Exhibit I-5

Page 56 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesGlass Deductible Buyback

COMP Deductible Current Proposed Change250 10.8948 11.1127 2.0%500 19.1528 19.5359 2.0%750 20.9458 21.3647 2.0%

1000 21.6741 22.1076 2.0%1500 22.2666 22.7119 2.0%2500 22.5939 23.0458 2.0%

Exhibit I-6

Page 57 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Auto 2.0Calculation Of Proposed RatesLoss of Use

Loss of Use Current Proposed ChangeBase Rate 14.9764 15.8301 5.7%

Exhibit J-1

Page 58 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesBase Rate

Coverage Current Proposed ChangeAccidental Death Benefit 2.1906 2.5411 16.0%

BI 126.0635 132.3667 5.0%COLL 187.9957 199.2754 6.0%

COMP 81.1025 85.1576 5.0%Funeral Expenses 0.8376 0.9716 16.0%

Income Loss Benefits 9.8577 11.4349 16.0%MED 43.8070 50.8161 16.0%

MED - Extraordinary 35.3781 41.0386 16.0%PD 98.8265 103.2737 4.5%

UIM 18.1697 18.5331 2.0%UM 9.7980 9.9940 2.0%

Exhibit J-2

Page 59 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesBDOC Rate

Coverage Current Proposed ChangeBDOC BI with Primary 7.9199 8.3159 5.0%

BDOC MED 4.1590 4.8244 16.0%BDOC PD with Primary 4.4802 4.6818 4.5%

DOC Accidental Death Benefit 2.3082 2.6775 16.0%DOC Funeral Expenses 0.8826 1.0238 16.0%

DOC Income Loss Benefits 10.3870 12.0489 16.0%DOC MED - Extraordinary 37.2777 43.2421 16.0%

Exhibit J-3

Page 60 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesCamper and Trailer - Base

Current Current Proposed Proposed Change ChangeACV Range Comp Coll Comp Coll Comp Coll

0 - 1050 4.2648 3.2996 4.4780 3.4976 5.0% 6.0%1051 - 1300 6.2194 3.7121 6.5304 3.9348 5.0% 6.0%1301 - 1600 6.7524 4.3996 7.0900 4.6636 5.0% 6.0%1601 - 1900 7.4634 5.2246 7.8366 5.5381 5.0% 6.0%1901 - 2400 9.2403 6.5993 9.7023 6.9953 5.0% 6.0%2401 - 3000 12.0833 8.7991 12.6875 9.3270 5.0% 6.0%3001 - 4000 15.1043 11.2737 15.8595 11.9501 5.0% 6.0%4001 - 5000 19.7245 14.5733 20.7107 15.4477 5.0% 6.0%5001 - 6000 24.5224 17.7357 25.7485 18.7998 5.0% 6.0%6001 - 7000 28.4316 20.2102 29.8532 21.4228 5.0% 6.0%7001 - 8000 33.2296 23.3725 34.8911 24.7749 5.0% 6.0%8001 - 9000 37.8495 26.5347 39.7420 28.1268 5.0% 6.0%

9001 - 10000 41.2258 29.5592 43.2871 31.3328 5.0% 6.0%10001 - 12000 46.0239 33.5463 48.3251 35.5591 5.0% 6.0%12001 - 14000 52.7763 37.9460 55.4151 40.2228 5.0% 6.0%14001 - 16000 59.5287 42.4829 62.5051 45.0319 5.0% 6.0%16001 - 18000 66.2809 47.5697 69.5949 50.4239 5.0% 6.0%18001 - 20000 72.8561 51.9694 76.4989 55.0876 5.0% 6.0%20001 - 22000 78.7197 55.8190 82.6557 59.1681 5.0% 6.0%22001 - 24000 85.2949 60.3562 89.5596 63.9776 5.0% 6.0%24001 - 26000 91.6919 64.8930 96.2765 68.7866 5.0% 6.0%26001 - 28000 97.3785 68.7425 102.2474 72.8671 5.0% 6.0%28001 - 30000 103.9533 73.1419 109.1510 77.5304 5.0% 6.0%

30001 - 999999 156.1963 109.1632 164.0061 115.7130 5.0% 6.0%

Exhibit J-4

Page 61 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesGlass Deductible Buyback

COMP Deductible Current Proposed Change250 14.8453 15.5876 5.0%500 26.0974 27.4023 5.0%750 28.5406 29.9676 5.0%

1000 29.5328 31.0094 5.0%1500 30.3403 31.8573 5.0%2500 30.7862 32.3255 5.0%

Exhibit J-5

Page 62 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesLoss of Use

Loss of Use Current Proposed ChangeBase Rate 20.7438 21.9884 6.0%

Exhibit J-6

Page 63 of 63

Mid-Century Insurance CompanyPennsylvaniaFarmers Smart Plan AutoCalculation Of Proposed RatesRental Coverage

Coverage Current Proposed ChangeRENTAL RE ($30 per day) 29.5904 31.3658 6.0%RENTAL RE ($50 per day) 49.1710 52.1213 6.0%

RENTAL RE ($100 per day) 98.4883 104.3976 6.0%

April 21, 2016

Honorable Teresa D. Miller Insurance Commissioner Pennsylvania Insurance Department 1326 Strawberry Square, 13th Floor Harrisburg, PA 17120

ATTN: Bureau of Property and Casualty Insurance

SUBJECT: PRIVATE PASSENGER AUTO RATE/RULE REVISION

Company Name Reference Number NAIC # Group # Mid-Century Insurance Company FARM-130531943 21687 69

Dear Commissioner:

We respectfully submit for filing, on behalf of Mid-Century Insurance Company, revisions to rates and rules for the Farmers Auto 2.0 (FA2) and Farmers Smart Plan Auto (FSPA) rating plans. The overall effect of these changes on all policyholders is +6.0%.

We are revising the factors in the rating plans as shown below:

FA2 (FA2 Rate Exhibits) FSPA(FSPA Filing Rate Manual)

1. Base Rate (Exhibit 10) 1. Base Rate (Exhibit 12)

2. Camper and Trailer – Base (Exhibit 51) 2. BDOC Rate (Exhibit 73)

3. Driver Class Factor (Exhibit 3) 3. Camper and Trailer – Base (Exhibit 80)

4. Excluded Driver (Exhibit 33) 4. Glass Deductible Buyback (Exhibit 76)

5. Glass Deductible Buyback (Exhibit 10) 5. Loss of Use (Exhibit 74)

6. Loss of Use (Exhibit 10) 6. Rental Coverage (Exhibit 78)

7. Term Factor (Exhibit 10)

Patrick Hahn 3 Beaver Valley Road Wilmington, DE 19803 Bus: (302) 252-4508 Fax: (302) 252-2424

2

Attached are supporting exhibits for this rate review.

Exhibit A

Exhibit B

Exhibit C

Exhibit D

Indicated and Selected Changes by Coverage This exhibit shows the effect of each component of this rate change as described above. Table 1 displays the selected rate changes for FA2 against the indicated rate changes that are evaluated as of December 2015.

Since FSPA was only implemented on February 15, 2016, we estimated the indicated rate changes for FSPA in Table 2, using a FSPA/FA2 relativity that is based on estimated new business impact of the FSPA launch. Selected changes for FSPA are based on the calculated indicated rate changes by coverage in Table 2.

Calculated Rate Level Indications The calculations of our rate level indications contained in this exhibit are based on up to twelve accident quarters of experience from January 2013 through December, 2015, evaluated as of December 31, 2015. Indications for all coverages assume an effective date of August 25, 2016.

The A&O percentages have been calculated using the latest year paid data for Pennsylvania, adjusted with planned changes, and are stated as a percentage of premiums.

Development of Estimated Ultimate Losses Incurred losses are adjusted to include all loss adjustment expenses and have been reduced for anticipated salvage and subrogation recoveries. The incurred loss and loss adjustment expenses have been developed to an ultimate settlement basis by applying loss development factors, which are based on Farmers’ and its affiliate 21st Century’s experience for the state of Pennsylvania as shown in this exhibit. Since the Farmers program was only introduced in 2011, 21st Century’s data has been included to add credibility. Both groups are managed by the same Claims unit so similar patterns should be expected. Comprehensive losses have been adjusted to include a catastrophe loading. Catastrophe losses are removed from the losses and then an excess factor is applied. The excess factor utilized was developed based on our statewide data. Similar to above, data from our affiliate 21st Century has been included to provide additional data points.

Determination of Loss Trend by Coverage The average annual changes in losses are based upon the latest available average claim cost and frequency data from the Company’s internal data as well as Fast Track. The claim cost data is used as a measure of the inflationary trend in the cost of claims. The claim frequency data is used as a measure of the trend in claim occurrence. The method of trend determination utilized in this revision makes use of the Least Squares Method fitted to the reported time series data; specifically an exponential curve represented by the equation Y = Ae(Bx) is fitted to the claim cost and claim frequency data. The parameters A and B are calculated constraints; x is the unit of time, e is the exponential function with the natural logarithm base of e, which has a numerical value of 2.7182812...; and Y is the fitted value on the curve. The claim costs and claim frequency curves are

3

determined from the latest 4, 6, 8 and 12 quarterly year ended experience periods.

The average retrospective and prospective annual changes in claim costs and

claim frequencies were then selected from the Company and Fast Track data. The average retrospective and prospective annual changes in losses was obtained by combining the selected average annual changes in claim costs with the selected average annual changes in claim frequencies. Furthermore, the selected trend factor utilized for the Uninsured Motorists coverage is equal to the Bodily Injury coverage.

Exhibit E Determination of Premium Trend by Coverage This exhibit shows the calculation of premium trend components by coverage.

Historical trends are derived by indexing prior fiscal-accident quarters to the current fiscal-accident quarter’s average premium per policy, brought to the current rate level. The future trend is derived from a least squares exponential fit of 12 months average premium per policy, brought to current rate level. Premium trends are applied to all coverages and account for the changing mix of business.

Exhibit F Calculation of Catastrophe Factor for Comprehensive Coverage The catastrophe factor is the ratio of the past ten years total paid losses to the

past ten years total non-cat paid losses, based on 21st Century’s and Farmers’ Pennsylvania specific data. Catastrophes are identified using Property Claim Services’ definition.

Exhibit G Permissible Loss and DCC Ratio Exhibit Exhibit G summarizes underwriting expenses for 2012-2014 and the expected

expense ratio underlying the permissible loss & DCC ratio used in the indication for the period that rates will be in effect.

Exhibit H Accident Year and Accident Quarter Weight Selection Method For each coverage, the accident year (quarter) weights are determined by taking

the annual reported claims counts and comparing to the count of claims required for full credibility.

In selecting the degree of credibility assigned to each coverage, we used a

method similar to those described by L.H. Longley-Cook in his paper An Introduction to Credibility Theory. Longley-Cook points out that a sample of 1,082 claims would result in a frequency calculation, which has a 90% probability of being within 5% of the "actual" underlying frequency. He also points out that this sample size must be multiplied by a factor of (1+ T) to achieve the same degree of confidence in the calculated pure premiums, where T is a measure of the variance of the underlying distribution of claim costs, namely the coefficient of variation of claim costs squared (CV^2). Thus, the number of claims per year (based on a rolling 4-quarter sum) needed to have a 90% probability of that annual pure premium amount's being within 5% of the "actual" is calculated as (1 + CV^2) * 1,082 for each coverage. This is taken as the full credibility standard.

We use a round down rule to get to the selected accident year weight. Once the

accident year weights have been decided, we divide the annual weights evenly to determine the quarterly weights.

4

Exhibit I & J Calculation of Proposed Changes Exhibit I shows the calculation of the proposed rates for FA2, and Exhibit J

shows the calculation of the proposed rates for FSPA. Rates for minor coverages, like BDOC coverages, Loss of Use, Glass Deductible

Buyback, Camper and Trailer Base rates, and Rental Coverage, are being revised at the same overall impact as the corresponding major coverage.

Appendix A Statewide Written Premium Impact Appendix A shows the impact of this pending filing on Farmers Insurance

Company’s total Pennsylvania personal auto book of business. Premium is evaluated as of December 31, 2015 and therefore does not include any premium from Mid-Century Insurance Company’s FSPA book of business that was implemented on February 15, 2016

Other revisions:

1. FA2 Rate Exhibits, Exhibit 1 – Average Driver Rate Order of Calculation: a. Minor typographical error on the footnote of has been corrected. There is no rate

impact with this revision. 2. FA2 Rate Exhibits, Exhibit 2 – Rate Order of Calculation:

a. Rate calculation step for “ePolicy Discount” is moved to before “Core Discount”. This is a typographical error and there is no rate impact with this revision.

3. FA2 Rate Exhibits, Exhibit 10 – Base Rates and Policy Term: a. Term factor for Policy Term 12 is revised to 2.00. Since we do not have any

annual policies in-force, there is no rate impact with this change. 4. FSPA Rule Manual – Rules P14, P18, P23, P25, P26, P32, P33, P33, P34, P35, P48,

and V13: a. The Automobile Rules for the FSPA Program have been updated to improve

readability and consistency with our country wide rules. There is no premium impact as a result of these changes. A marked up version of the rule manual is included for your reference.

The revised Rate/Rule Manual pages are enclosed for your review. Our proposed effective date for this filing is July 27, 2016 for New Business and August 25, 2016 for Renewals. Please indicate our reference numbers listed above when replying to this submission. Note: The maximum annual dollar increase a policyholder would receive as a result of this proposal is $1,025 (a +8% increase for this policy). Similarly, the maximum percentage increase a policyholder would receive as a result of this proposal is +20% (a $302 annual increase for this policy). The histogram on Appendix B is attached for your review. If you have any questions on this material or require further information, please contact me at (302) 252-4508. Sincerely, Patrick Hahn Farmers Insurance Group Personal Lines Product Management



072/2715/2016 Page 12

Rule Number: P08


Rule Number: P09


Rule Number: P10


Rule Number: P11

Rule Description: Summary of Coverages Offered

This program offers the following coverages: Bodily Injury, Property Damage, First Party Benefits, Comprehensive, Collision, Uninsured and Underinsured Motorist Bodily Injury, Glass Deductible Buyback, Loss of Use, Rental Reimbursement, Towing and Roadside Services, Broad Form Use of Other Automobiles, Residual Debt Coverage, Camper and Travel Trailer, Customized Equipment, New Car Replacement, Original Equipment Manufactured (OEM) parts, and Accident Forgiveness.

Rule Number: P12

Rule Description: Bodily Injury Limits

Bodily Injury limits are required to be greater than or equal to the minimum financial responsibility limits required by law in any state in which a vehicle is garaged for more than two (2) months out of the year. All vehicles on the policy must carry the same limits.

Rule Number: P13

Rule Description: Property Damage Limits

Property Damage limits are required to be greater than or equal to the minimum financial responsibility limits required by law in any state in which a vehicle is garaged for more than two months out of the year. All vehicles on the policy must carry the same limits.

Rule Number: P14

Rule Description: Uninsured Motorist (UM) and UnderInsured Bodily Injury (UIM) Limits

These coverages are mandatory as required by law, but can be rejected in writing. UM and UIM premiums are at vehicle level. Limits cannot exceed the Bodily Injury liability limits. If a UM or UIM increased limits rejection form is not signed, UM or UIM coverage will be automatically added for an additional premium to the policy at limits equal to the selected Bodily Injury limits. Limits are available stacked and unstacked.

Rule Number: P15




072/2715/2016 Page 13

Rule Number: P16

Rule Description: First Party Benefits

First Party Benefits are available at the following limits:

Medical Expenses Income Loss Accidental Death Funeral Benefit

$5,000 $1K mo/$5K agg $5,000 $1,p500

$10,000 $1K mo/$15K agg $10,000 $2,500

$25,000 $1.5K mo/$25K agg $25,000

$50,000 $2.5K mo/$50K agg

$100,000

As an alternative to purchasing these coverages separately, the insured may purchase a Combination First Party Benefits package,

which provides a $177,500 aggregate limit per person, subject to a $100,000 limit for Medical Expenses, $2.5K mo/$50K aggregate

limit for Income Loss, $25,000 limit for the Accidental Death Benefit and a $2,500 limit for the Funeral Benefit.

Extraordinary Medical Benefits coverage is available and provides medical benefits of $1 million in excess of a $100,000 attachment

point for underlying Medical Expenses Coverage.

Rule Number: P17


Rule Number: P18

Rule Description: Accident Forgiveness

Provided accident forgiveness when all drivers in the household meet the following eligibility requirements:

1. Age < 21: 0 chargeable at‐fault accidents, no more than 1 minor or speeding citations, 0 major or DUI citations and at least 3 years of driving experience. If driver has less than 3 years of driving experience they must have a qualifying parent in the household.

2. Age 21‐24: 0 chargeable at‐fault accidents, no more than 1 minor or speeding citations, 0 major or DUI citations and at least 3 years of driving experience.

3. Age 25+: 0 chargeable at‐fault accidents, no more than 2 minor or speeding citation, 0 major or DUI citations and at least 3 years of driving experience.

4. Bodily Injury, Property Damage, and UM/UIM must be present for each vehicle.

5. Accident forgiveness applies once in 3 years, calculated at the household level.

If a new customer to Farmers Smart Plan Auto (FSPA) has the Accident Forgiveness benefit on an in force Farmers policy from one of the Farmers branded companies at the time of a move across state lines, and they purchase an FSPA policy as a replacement policy, we will continue to waive any accident previously forgiven, provided they purchase Accident Forgiveness as part of the FSPA policy.

Rule Number: P19




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Rule Number: P20

Rule Description: Physical Damage Deductibles

We do not write Physical Damage only policies. We will allow Comprehensive coverage only on a vehicle provided liability exists on at least 1 other vehicle on the policy (a surcharge will apply). Comprehensive coverage may be purchased without Collision coverage (a surcharge will apply). Comprehensive/Collision coverage will only be allowed on vehicles 1971 and newer. Physical Damage coverage does not have to be selected for each vehicle on a multi‐vehicle policy. Only equipment that is permanently installed by the original manufacturer is covered under Comprehensive/Collision coverages. To cover other permanently installed equipment, select Customized Equipment coverage.

Rule Number: P21

Rule Description: Broad Form Use of Other Automobiles

The Broad Form Use of Other Automobiles endorsement may be added to a policy affording Bodily Injury, Property Damage and First Party Benefits with respect to the described automobiles. It extends the coverage to apply to the Named Insured while using any non‐owned automobile, regularly or frequently used by the Named Insured in his occupation or otherwise, except an automobile owned by the Named Insured or a member of his household. Coverage does not apply to the owner of the vehicle the Insured is using, nor to any governmental agency or political subdivision. It does not apply to Business Use of an automobile unless it is being operated or occupied by the Named Insured, nor to any accident arising out of the operation of an automobile business. The Bodily Injury and Property Damage limits applicable to the Broad Form Use of Other Automobiles endorsement are identical to the limits on the unendorsed policy. First Party Benefits coverage on the endorsement may also be elected, if the unendorsed policy provided First Party Benefits coverage. The endorsement does not afford coverage for Comprehensive car damage or Collision.

Rule Number: P22


Rule Number: P23

Rule Description: Youthful Driver Factor

A factor is applied to all vehicles on the policy when there is a licensed single driver under the age of 25 who is a child/grandchild of the Primary Named Insured.

1. The factor is determined by the age of the youngest qualifying driver and market tier.

2. Youthful drivers must not be discovered by accident as a result of claims discovery to qualify.

3. Applies to policies at new business and up until 1 year household tenure with Farmers Smart Plan Auto.

4. Cannot be combined with Youthful Driver Discount.



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Rule Number: P24

Rule Description: Youthful Driver Discount

A discount is applied to all vehicles on the policy when there is a licensed single driver under the age of 25 who is a child/grandchild of the Primary Named Insured.

1. The factor is determined by the age of the youngest qualifying youthful driver, market tier and tenure with the Farmers Smart Plan Auto.

2. Youthful drivers must not be discovered as a result of claims discovery to qualify. 3. The policy must be in force with Farmers Smart Plan Auto for at least 12 months before the discount applies. 4. Cannot be combined with the Youthful Driver Factor.

The discount will be applied at the earliest of:

1. Endorsement date when adding the minor child to the policy. 2. First renewal upon meeting the 12 month requirement.

Rule Number: P25

Rule Description: Early Shopping Factor

A factor is applied to all vehicles on a policy when the policy is quoted at least 7 days prior to the policy effective date, and the Primary Named Insured has prior insurance with no lapse in coverage, and the Primary Named Insured and the spouse of the Primary Named Insured, if applicable, are 19 years old or older. The factor will also be based on tenure with Farmers Smart Plan Auto, market tier and policy term selected. The discount does not apply if the prior carrier of the Primary Named Insured is any 21st Century or Bristol West Company of the Farmers Group of Companies.

Rule Number: P26

Rule Description: On‐Your‐Own Discount

A discount is applied to all vehicles on a policy being split from their existing household into a new household if the following qualifications are met:

1. The Primary Named Insured must be a driver under the age of 25, and 2. Primary Named Insured was an active driver on a Farmers Auto Policy Insurance Group policy in their prior household

for at least 12 months.

Rule Number: P27

Rule Description: Shared Family Car Discount

A discount is applied to all vehicles on the policy when there is a single driver up to age 20 in the household and there are more active drivers than vehicles in the household. Vehicles defined as Storage use are excluded from the vehicle count in the application of this discount.

Rule Number: P28

Rule Description: Good Payer Discount

A discount is applied to all vehicles on the policy if there are no late fees in the previous 12 months. Discount applies at new business and is re‐evaluated at each renewal. The previous 12 months is defined to be the 12 months ending 59 days before the renewal effective date.



072/2715/2016 Page 16

Rule Number: P29

Rule Description: Affinity Discount

A discount is applied to all vehicles on the policy when the Primary Named Insured or spouse is employed with or retired from an approved affinity group. The discount will not be removed on subsequent renewals after initial qualification.

Rule Number: P30

Rule Description: ePolicy Discount

A discount is applied to all vehicles on a policy when the insured enrolls in ePolicy.

Rule Number: P31

Rule Description: Multi‐Policy Discount – Auto(/Home/Renter/Mobile‐Home/Brokered Home)

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded home, renters or mobile‐home policy, or a Kraft Lake brokered home policy. Selection of one cross sell discount based on the residency policy type (home, renters, mobile‐home, or brokered home) is allowed. Insureds with more than 1 such policy type will receive the highest applicable discount.

Rule Number: P32

Rule Description: Multi‐Policy Discount – Auto(/Boat/Watercraft) Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded boat or watercraft policy written within the Foremost Insurance Group. The zip code of the Boat or Watercraft policy must match the garaging zip code of the auto policy.

Rule Number: P33

Rule Description: Multi‐Policy Discount – Auto/Motorcycle Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded motorcycle policy. Farmers Specialty Antique and written within the Foremost Insurance Group. Motorcycles insured on Antique or Modified Auto policies are NOT eligible for the discount. The zip code of the Motorcycle policy must match the garaging zip code of the auto policy.

Rule Number: P34

Rule Description: Multi‐Policy Discount – Auto/Motorhome Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded motorhome policy written within the Foremost Insurance Group.. The zip code of the Motorhome policy must match the garaging zip code of the auto policy.

Rule Number: P35

Rule Description: Multi‐Policy Discount – Auto/Recreational Vehicle Discount



072/2715/2016 Page 17

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded recreational vehicle policy written within the Foremost Insurance Group. The zip code of the Recreational Vehicle must match the garaging zip code of the auto policy.

Rule Number: P36

Rule Description: Multi‐Policy Discount – Auto/Umbrella Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Personal Umbrella policy insured within the Farmers Group of Companies.

Rule Number: P37

Rule Description: Multi‐Policy Discount – Auto/Business Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse has an auto policy and a Farmers branded business policy, including a commercial policy where the Primary named Insured or spouse is an officer of a Corporation or a Partner in a Partnership covered by the commercial policy.

Rule Number: P38

Rule Description: Multi‐Policy Discount – Auto/Life Discount

A factor is applied to all vehicles on a policy when the Primary Named Insured or spouse is also the owner of a Term, Whole Life, Universal Life or Variable Universal Life policy with a face amount of $50,000 or greater issued for an adult insured (age 18 or older) by Farmers Life. Farmers® Graded Death Benefit Whole Life (FGDBWL) policies also qualify regardless of face amount.

Rule Number: P39

Rule Description: Monthly Pay Plan Factor

A factor is applied to all vehicles on a policy when a monthly pay plan is selected.

Rule Number: P40

Rule Description: EFT Discount

A discount is applied to all vehicles on a policy when monthly installment premiums are paid via automatic recurring Electronic Funds Transfer (EFT).

Rule Number: P41

Rule Description: Paid‐In‐Full Discount

A discount is applied to all vehicles on a policy if:

1. At policy inception, the Primary Named Insured selects a 1‐pay payment plan and pays 100% of the full‐term policy premium, or

2. At renewal, the Primary Named insured pays 100% of the full‐term premium prior to the renewal date (not applicable to monthly pay plans).

Rule Number: P42

Rule Description: Multi‐Car Discount



072/2715/2016 Page 18

A discount is applied to all vehicles on a policy if there is more than 1 vehicle in the household.

Rule Number: P43

Rule Description: Homeowner Discount

A discount is applied to all vehicles on a policy when the Primary Named Insured or spouse own a home, townhouse or condominium and reside in the residence that they own.

Rule Number: P44

Rule Description: Address Validation Factor

A factor is applied to all vehicles on a policy and will be determined by comparing the garaging ZIP Code provided by the customer for the first vehicle on the policy and the ZIP Code returned from the third party report that is ordered by the Company. If our third party report does not report a zip code, we will assume that there is no discrepancy.

Rule Number: P45

Rule Description: Policy Term

A 6‐month term is available.

Rule Number: P46


Rule Number: P47

Rule Description: Rate Level Adjustment Factor

The rate level adjustment factor is applied outside of other Rate Order Calculation (ROC) variables and Rate Stability. The factors are applied based on the policy’s original inception date.

Rule Number: P48

Rule Description: Reinstatement Factor

A factor is applied to all vehicles on a policy based on the number of reinstatements with a lapse that occurred on the policy within the past 12 months (365 days). This factor will be calculated at each reinstatement greater than 60 days and at renewal.

Rule Number: P49

Rule Description: Deceased Driver Stabilization

A large increase in auto insurance premiums can cause significant customer disruption and dissatisfaction. We have a process that will prevent a mid‐term premium increase due to death of a household driver.

When a driver on a policy passes away, the premium will be re‐calculated to reflect the change in policy. If the change results in a policy premium that is higher than the current premium, then no mid‐term premium increase will occur. The policy will incur the associated premium increase related to this change upon subsequent renewals subject to rate capping.



072/2715/2016 Page 24

Rule Number: V09

Rule Description: Rental Reimbursement Coverage

Rental Reimbursement may be purchased for any vehicle covered by Comprehensive and Collision coverages. The coverage reimburses the Insured for the lesser of actual daily rental charges or the purchased limit option for a maximum of 30 days for each qualified disablement on a covered vehicle. Qualified disablement means a loss covered by the Comprehensive or Collision sections of the policy.

Rule Number: V10

Rule Description: Towing and Roadside Assistance

Towing and Roadside Service may be purchased for any vehicle. The coverage reimburses the Insured for each disablement on a covered vehicle.

Rule Number: V11

Rule Description: Residual Debt Coverage

Residual Debt Coverage provides coverage to pay the additional cost of terminating a finance contract in the event that the vehicle is a total loss. The maximum benefit is 25% of the vehicle actual cash value at the time of loss.

Rule Number: V12


Rule Number: V13

Rule Description: Camper and Travel Trailer Coverage

Camper and travel trailer coverage provides coverage for an owned camper or travel trailer when used with a Private Passenger Automobile. Campers and travel trailers are automatically covered for BIPD without any additional premium charge when used with a Private Passenger Automobile. Campers and travel trailers may be insured for comprehensive and collision coverage with an additional premium charge. Camper deductibles must match the Private Passenger Automobile. Comprehensive and Collision coverage on campers and travel trailers must be carried at 100% of actual cash value. Camper or travel trailer contents may also be insured against loss by fire when the camper or travel trailer is insured for comprehensive coverage. The base rate is per $100 of value.

Rule Number: V14

Rule Description: New Car Replacement

In the event of a total loss, settlement will be based on the cost to replace the covered vehicle without depreciation for covered loss repair and is limited to 2 years from the original purchase date or 24,000 miles, whichever comes first. Comprehensive and Collision coverages are required for New Car Replacement.

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