State Info screen for commercial auto
For each jurisdiction on the policy that is used as a garaging location, the State Info screen has coverages, exclusions, conditions, and jurisdictional rating modifiers.
Coverages tab
For each jurisdiction that is a garage location on the policy, the Coverages tab on the State Info screen has coverages in the following categories:
- Commercial Auto Owned Vehicle Group by State
- Commercial Auto PIP Coverages – This category only appears if the vehicle is garaged in a jurisdiction that offers PIP coverages.
You can configure coverages by navigating in Product Designer to the Commercial Auto Line policy line and selecting Coverages. To enable a coverage to display on this tab in PolicyCenter, select one of the Category types listed above.
You can configure PIP availability by selecting the PIP coverage for a particular state and clicking the Availability subtab.
Additional Coverages tab
In commercial auto, on the tab, you can add coverages by category. Specify a Keyword to limit the search to coverages containing that keyword.
You can configure coverages by navigating in Product Designer to the Commercial Auto Line policy line and selecting Coverages. To enable a coverage to display on this tab in PolicyCenter, select one of the Category types listed above.
Exclusions & Conditions tab
On the Exclusions & Conditions tab, you can add exclusions and conditions for each jurisdiction on the policy by category. Enter a Keyword to limit the search to exclusions or conditions containing the keyword.
You can configure coverages by navigating in Product Designer to the Commercial Auto Line policy line and selecting Coverages. To enable a coverage to display on this tab in PolicyCenter, select one of the Category types listed above.
State Rating tab
On the State Rating tab, you can enter modifier values and credits and debits for each jurisdiction on the policy.
A modifier is a value used by the rating engine to adjust the policy premium or some portion of the premium. Modifiers capture information relevant to the pricing of a policy that are not necessarily tied to a specific coverable or coverage.
In the default configuration, the commercial auto line has an experience modifier and an expense modifier. Validation on this screen prevents you from specifying a value of less than 0.5 or greater than 5.
To configure the state rating modifiers, navigate to the Commercial Auto Line policy line and select Modifiers. Among the modifiers listed, some appear as vehicle rate modifiers, some as state rating modifiers, and some as overall modifiers on the Modifiers screen.
State Rating tab
On the State Rating tab, you can enter modifier values and credits and debits for each jurisdiction on the policy.
A modifier is a value used by the rating engine to adjust the policy premium or some portion of the premium. Modifiers capture information relevant to the pricing of a policy that are not necessarily tied to a specific coverable or coverage.
In the default configuration, the commercial auto line has an experience modifier and an expense modifier. Validation on this screen prevents you from specifying a value of less than 0.5 or greater than 5.
To configure the state rating modifiers, navigate to the Commercial Auto Line policy line and select Modifiers. Among the modifiers listed, some appear as vehicle rate modifiers, some as state rating modifiers, and some as overall modifiers on the Modifiers screen.