TAIPA
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION
MARGARET ALSOBROOK THE ESCALADE, BLDG. A • 4301 WESTBANK DR., STE. 200 • AUSTIN, TX 78746-4400
OPERATIONS MANAGER
P.O. BOX 149144 • AUSTIN, TX 78714-9144
margaret.alsobroo[email protected]
TEL. 512/531-7252 • FAX 512/444-4562
http://www.taipa.org
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION
RULES AND RATING MANUAL
Revision Number 1
Effective September 1, 2005
ELECTRONIC VERSION You may view and search the current and archived electronic,
interactive versions of the Rule and Rating Manual or you may download the paper version in
Adobe Acrobat PDF file format.
SUMMARY OF CHANGES
Private Passenger Rate Change – Effective September 1, 2005.
Bodily Injury +0.4%
Property Damage -11.3%
Personal Injury Protection +24.0%
Uninsured/Underinsured Motorists BI/PD -5.6%
Class and Territory Relativities were revised for BI, PD and PIP.
All rates displayed on pages R-2 through R-10 are changed.
If you have any questions, please contact our customer service department at 512-444-4441
ORIGINAL PRINTING 1 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
Texas Automobile Insurance Plan Association
TAIPA
Rules and Rating Manual
The rules, classifications, territories, rates, and additional charges applicable to automobile risks insured
in accordance with the provisions of the Texas Automobile Insurance Plan of Operation are contained
herein.
A Publication of the
Texas Automobile Insurance Plan Association
The Escalade Bldg A
4301Westbank Dr. Ste 200
Austin, TX 78746-4400
PO Box 149144, Austin, TX 78714-9144
Telephone (512) 444-4441
Voice Response 800-580-8247
Email: custs[email protected]
Web site address: www.taipa.org
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
NOTES
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING i Effective December 1, 2004
COPYRIGHT – TAIPA – 2004
Table of Contents
General Rules Chapter...........................................................................................................................................................G-1
Rule 1. APPLICATION OF MANUAL ..............................................................................................................................G-1
Rule 2. PREMIUM CALCULATION.................................................................................................................................G-1
Rule 3. POLICY MINIMUM PREMIUM............................................................................................................................G-1
Rule 4. CHANGES..........................................................................................................................................................G-1
Rule 5. CONTINUATION OF COVERAGE—CANCELLED OR TERMINATED POLICY................................................G-2
Rule 6. CANCELLATIONS..............................................................................................................................................G-2
Rule 7. UNINSURED/UNDERINSURED MOTORISTS COVERAGE .............................................................................G-4
Rule 8. PERSONAL INJURY PROTECTION..................................................................................................................G-4
Rule 9. ADDITIONAL CHARGES....................................................................................................................................G-4
Rule 10. CERTIFIED RISKS—FINANCIAL RESPONSIBILITY LAWS .............................................................................G-5
Rule 11. SUSPENSION ....................................................................................................................................................G-6
Rule 12. INDIVIDUAL AS THE NAMED INSURED...........................................................................................................G-6
Rule 13. TERRITORIES....................................................................................................................................................G-6
ENDORSEMENT REFERENCES ........................................................................................................................................G-9
Private Passenger Chapter.................................................................................................................................................... P-1
Rule 30. DEFINITIONS..................................................................................................................................................... P-1
Rule 31. PREMIUM DEVELOPMENT............................................................................................................................... P-2
Rule 32. PRIVATE PASSENGER AUTO CLASSIFICATIONS ......................................................................................... P-2
Rule 33. DRIVER TRAINING CREDIT.............................................................................................................................. P-4
Rule 34. DRIVER IMPROVEMENT COURSE CREDIT.................................................................................................... P-4
Rule 35. PASSIVE RESTRAINT CREDIT......................................................................................................................... P-5
Rule 36. TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOS OR UTILITY TYPE AUTOS........... P-5
Rule 37. MOTORHOMES ................................................................................................................................................. P-5
Rule 38. MOTORCYCLES................................................................................................................................................ P-5
Rule 39. MOTORCYCLE OPERATOR CREDITS............................................................................................................. P-6
Rule 40. ALL-TERRAIN VEHICLES (Class Code 9590)................................................................................................... P-6
Rule 41. DUNE BUGGIES (Class Code 9432) ................................................................................................................. P-7
Rule 42. GOLF CARTS (Class Code 9435)...................................................................................................................... P-7
Rule 43. ANTIQUE, COLLECTIBLE AND SPECIAL INTEREST AUTOS (Class Code 9620) .......................................... P-7
Rule 44. AMPHIBIOUS AUTOS........................................................................................................................................ P-7
Rule 45. NAMED NON-OWNER COVERAGE (Class Code 7000)................................................................................... P-7
ENDORSEMENT REFERENCES ........................................................................................................................................ P-9
Private Passenger Rate Section ........................................................................................................................................... R-1
PRIVATE PASSENGER RATING WORKSHEET ................................................................................................................ R-1
PRIVATE PASSENGER LIABILITY RATES......................................................................................................................... R-2
PRIVATE PASSENGER PERSONAL INJURY PROTECTION RATES ............................................................................... R-6
PRIVATE PASSENGER UNINSURED/UNDERINSURED MOTORISTS COVERAGE RATES......................................... R-10
Commercial Auto Chapter ..................................................................................................................................................... C-1
Trucks, Tractors And Trailers Subchapter........................................................................................................................... C-1
Rule 50. ELIGIBILITY........................................................................................................................................................ C-1
Rule 51. PREMIUM DEVELOPMENT—OTHER THAN ZONE RATED AUTOS............................................................... C-1
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING ii Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
Rule 52.
PREMIUM DEVELOPMENT—ZONE RATED AUTOS....................................................................................... C-2
Rule 53. TRUCKS, TRACTORS AND TRAILERS CLASSIFICATIONS............................................................................ C-9
Rule 54. TRUCKERS...................................................................................................................................................... C-15
TRUCKS, TRACTORS, AND TRAILERS OTHER THAN ZONE RATED WORKSHEET................................................... C-17
TRUCKS, TRACTORS, AND TRAILERS ZONE RATED WORKSHEET........................................................................... C-17
ENDORSEMENT REFERENCES ...................................................................................................................................... C-18
Public Transportation Subchapter...................................................................................................................................... C-19
Rule 60. ELIGIBILITY...................................................................................................................................................... C-19
Rule 61. PREMIUM DEVELOPMENT—OTHER THAN ZONE RATED AUTOS............................................................. C-19
Rule 62. PREMIUM DEVELOPMENT—ZONE RATED AUTOS..................................................................................... C-19
Rule 63. PUBLIC AUTO CLASSIFICATIONS................................................................................................................. C-26
Rule 64. PASSENGER HAZARD EXCLUDED ............................................................................................................... C-30
PUBLIC TRANSPORTATION AUTOS OTHER THAN ZONE RATED WORKSHEET....................................................... C-31
ZONE RATED PUBLIC TRANSPORTATION AUTOS WORKSHEET ............................................................................... C-31
ENDORSEMENT REFERENCES ...................................................................................................................................... C-32
Special Types And Operations Subchapter....................................................................................................................... C-33
Rule 70. ELIGIBILITY...................................................................................................................................................... C-33
Rule 71. PREMIUM DEVELOPMENT............................................................................................................................. C-33
Rule 72. AMBULANCES................................................................................................................................................. C-33
Rule 73. DRIVER TRAINING PROGRAMS (EDUCATIONAL INSTITUTIONS AND COMMERCIAL DRIVING SCHOOLS)
AND AUTO REPAIR TRAINING. .................................................................................................................. C-33
Rule 74. DRIVE-AWAY CONTRACTORS (Class Code 7923)........................................................................................C-34
Rule 75. FIRE DEPARTMENTS...................................................................................................................................... C-34
Rule 76. FUNERAL DIRECTORS................................................................................................................................... C-34
Rule 77. LAW ENFORCEMENT AGENCIES.................................................................................................................. C-34
Rule 78. LEASING OR RENTAL CONCERNS ............................................................................................................... C-35
Rule 79 MOTORCYCLES—COMMERCIAL (Class Code 7942).................................................................................... C-35
Rule 80. MOTORHOMES—COMMERCIAL.................................................................................................................... C-36
Rule 81. ALL TERRAIN VEHICLES—COMMERCIAL (Class Code 9590) ..................................................................... C-36
Rule 82. GOLF CARTS—COMMERCIAL (Class Code 9460) ........................................................................................ C-36
Rule 83. ANTIQUE, COLLECTIBLE AND SPECIAL INTEREST AUTOS—COMMERCIAL (Class Code 9620) ............ C-37
Rule 84. TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOS OR UTILITY TYPE AUTOS—
COMMERCIAL.............................................................................................................................................. C-37
Rule 85. MOBILE HOME TRAILERS (Class Code 7963). .............................................................................................. C-37
Rule 86. NAMED OPERATOR OR SPECIFIED AUTO BASIS (Class Code 7070) ........................................................ C-37
Rule 87. REPOSSESSED AUTOS (Class Code 7925)................................................................................................... C-38
Rule 88. SPECIAL OR MOBILE EQUIPMENT................................................................................................................ C-38
Rule 89. AMPHIBIOUS EQUIPMENT—COMMERCIAL .................................................................................................C-40
ENDORSEMENT REFERENCES ...................................................................................................................................... C-41
Truck, Tractor, Trailer Rate Section....................................................................................................................................CR-1
Public Transportation Auto Rate Section ..........................................................................................................................CR-2
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING G-1 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
GENERAL RULES CHAPTER
Rule 1. APPLICATION OF MANUAL
Throughout this manual “Department” means the Texas
Department of Insurance.
Base rates and base premiums mean the Association rates
as promulgated by the Department. The rules in this
manual apply to the writing of auto insurance in the state of
Texas.
A. This manual is divided into separate Chapters:
1. General Rules
2. Private Passenger
3. Commercial Auto
a. Trucks, Tractors and Trailers
b. Public Transportation
c. Special Types & Operations
B. If an auto is eligible for classification or rating in more
than one chapter of this manual because of its use, use
the chapter producing the highest rated classification,
unless 80% or more of the use is in a lower rated
classification.
C. All rates and premiums in this manual are annual rates
and premiums unless otherwise specified.
D. When the symbol ⓔ is shown, it indicates that an
endorsement is used.
Rule 2. PREMIUM CALCULATION
A. Calculate the premium for each coverage and exposure
for which a separate premium is shown on the policy,
as follows:
1. For new policies issued for a term of one year use
the premium tables and rates in effect on the policy
inception date.
For renewal policies issued for a term of one year
use the premium tables and rates in effect on the
policy renewal date.
ⓔ 2. For new policies issued for a term greater than one
year, use the premium tables and rates in effect on
the policy inception date for the first year and the
premium tables and rates in effect on each
anniversary date of the policy inception date for
each period succeeding the first year.
For renewal policies issued for a term greater than
one year, use the premium tables and rates in
effect on the policy renewal date for the first year
and the premium tables and rates in effect on each
anniversary date of the policy renewal date for
each period thereafter.
3. For interim premium adjustments or calculations,
refer to the Changes rule (Rule 4).
4. Apply factors or multipliers consecutively. Do not
add factors together except where other Manual
rules specifically require factors to be added or
subtracted from other factors.
5. Apply factors or multipliers to all intermediate
calculations and round the result of each step of
the calculation (as marked by an asterisk* in the
example) to three decimal places, unless otherwise
provided by a specific Manual rule. Five-tenths or
more of a mill shall be considered one mill.
(Example: .1245 = .125)
6. Apply the appropriate pro-rata term factor to the
resulting premium calculated in A.1 through A.5 of
this Rule.
7. Round the resulting premium for each coverage or
exposure for which a separate premium is
calculated to the nearest whole dollar. Five
hundred mills or more shall be rounded to the next
higher dollar. (Example $100.500 = $101.00, but
100.499 = $100.00). This rounding to the nearest
whole dollar shall occur only once in the premium
calculation in determining the final premium for
each coverage or exposure.
B. An insurer may vary the sequence for applying the
factor specified in A.6 of this Rule as long as the result
of each calculation specified in A.4 through A.6 of this
Rule is rounded to three decimal places and the
rounding required in A.5 of this Rule is the last step in
the premium calculation.
Example: (the sequence of calculation may vary
except for the rounding required in A.7 of
this Rule as the last step in the premium
calculation)
To calculate the Bodily Injury premium for
a Class 2C-1 Travis County driver with
10% driver training credit and a additional
charge of 15% for a traffic conviction per
the Additional Charges rule (Rule 9).
B.I.
575.00
Driver training credit x .90
517.500*
15% additional charge x 1.15
595.125
Round to the nearest whole dollar $595.00
Rule 3. POLICY MINIMUM PREMIUM
Apply the following nonrefundable minimum premium for
any period of coverage:
A. Personal Auto Policies—$25
B. All other policies—$50
Rule 4. CHANGES
A. All changes requiring adjustments of premium shall be
computed pro rata.
B. Addition of any auto or any form of coverage during
a policy term—Compute the premium using the rules
and rates in effect at the time of the addition.
C. Transfer of coverage from one auto to another
during a policy term—Compute the premium using
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
Effective March 1, 2006 G-2 FIRST REPRINTING
COPYRIGHT – TAIPA – 2004
rules and rates for the new auto that were in effect at
the original inception date of coverage for that auto.
D. Transfer of auto principal garaging from one rating
territory to another during a policy term—Compute
the premium using rules and rates for the new territory
that were in effect at the original inception date of
coverage for that auto(s).
E. Change in classification, additional charges or
applicable credits during a policy term—Compute
the premium using rules and rates in effect at the
original inception date of coverage for that auto(s).
Note: If a change outlined in B., D. or E. occurs
simultaneously with a substitution of an auto,
rates and rules application of Paragraph C
applies.
Rule 5. CONTINUATION OF COVERAGE—
CANCELLED OR TERMINATED
POLICY
If a policy is cancelled or terminated for non-payment of
premium, coverage may be continued as follows:
A. The policy may be reinstated or renewed at the option
of the company without lapse in coverage.
B. If the company elects to continue coverage for the
insured after payment of premium but not to reinstate or
renew the policy as set forth in A above, a short term
policy may be issued to complete the original policy
term in accordance with the procedure set out in the
premium development rules at the rules and rates in
effect at the inception of such short term policy.
C. In lieu of the procedures set out in A or B above, the
company may issue a new full term policy in
accordance with the policy term and premium
development rules.
Except as provided for in A above, no cancelled or
terminated policy may be reinstated.
Rule 6. CANCELLATIONS
All Policies—Computation of Premium
This provision applies when a policy, auto or form of
coverage is cancelled.
A. Subject to the Policy Minimum Premium rule (Rule 3),
compute return premium pro rata.
B. Examples for Use of Pro Rata Table:
P/R
Factor
1. Earned Basis
a. Cancellation Date:
September 22, 2003
.726
Policy Effective Date:
July 6, 2003
-.512
.214
b. Cancellation Date:
March 7, 2004
*1.181
Policy Effective Date:
December 15, 2003
-.956
.225
* When the factor for the cancellation date is
less than the factor for the policy effective date
add unity 1.
2. Unearned Basis
a. Policy Effective Date:
July 6, 2003
Policy Expiration Date:
July 6, 2004 *1.512
Cancellation Date:
September 22, 2003 -.726
.786
b. Policy Effective Date:
December 15, 2003
Policy Expiration Date:
December 15, 2004 .956
Cancellation Date:
March 7, 2004 -.181
.775
* When the factor for the policy expiration date
is less than the factor for the cancellation date
add unity 1.
Note: As it is not customary to charge for the extra day
(February 29
th
), which occurs one year every four
years, this table shall also be used for each such
year.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
ORIGINAL PRINTING G-3 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
PRO RATA TABLE
January February March April May June
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
1
1
0.003
1
32
0.088
1
60
0.164
1
91
0.249
1
121
0.332
1
152
0.416
2 2 0.005 2 33 0.090 2 61 0.167 2 92 0.252 2 122 0.334 2 153 0.419
3 3 0.008 3 34 0.093 3 62 0.170 3 93 0.255 3 123 0.337 3 154 0.422
4 4 0.011 4 35 0.096 4 63 0.173 4 94 0.258 4 124 0.340 4 155 0.425
5 5 0.014 5 36 0.099 5 64 0.175 5 95 0.260 5 125 0.342 5 156 0.427
6 6 0.016 6 37 0.101 6 65 0.178 6 96 0.263 6 126 0.345 6 157 0.430
7 7 0.019 7 38 0.104 7 66 0.181 7 97 0.266 7 127 0.348 7 158 0.433
8 8 0.022 8 39 0.107 8 67 0.184 8 98 0.268 8 128 0.351 8 159 0.436
9 9 0.025 9 40 0.110 9 68 0.186 9 99 0.271 9 129 0.353 9 160 0.438
10 10 0.027 10 41 0.112 10 69 0.189 10 100 0.274 10 130 0.356 10 161 0.441
11 11 0.030 11 42 0.115 11 70 0.192 11 101 0.277 11 131 0.359 11 162 0.444
12 12 0.033 12 43 0.118 12 71 0.195 12 102 0.279 12 132 0.362 12 163 0.447
13 13 0.036 13 44 0.121 13 72 0.197 13 103 0.282 13 133 0.364 13 164 0.449
14 14 0.038 14 45 0.123 14 73 0.200 14 104 0.285 14 134 0.367 14 165 0.452
15 15 0.041 15 46 0.126 15 74 0.203 15 105 0.288 15 135 0.370 15 166 0.455
16 16 0.044 16 47 0.129 16 75 0.205 16 106 0.290 16 136 0.373 16 167 0.458
17 17 0.047 17 48 0.132 17 76 0.208 17 107 0.293 17 137 0.375 17 168 0.460
18 18 0.049 18 49 0.134 18 77 0.211 18 108 0.296 18 138 0.378 18 169 0.463
19 19 0.052 19 50 0.137 19 78 0.214 19 109 0.299 19 139 0.381 19 170 0.466
20 20 0.055 20 51 0.140 20 79 0.216 20 110 0.301 20 140 0.384 20 171 0.468
21 21 0.058 21 52 0.142 21 80 0.219 21 111 0.304 21 141 0.386 21 172 0.471
22 22 0.060 22 53 0.145 22 81 0.222 22 112 0.307 22 142 0.389 22 173 0.474
23 23 0.063 23 54 0.148 23 82 0.225 23 113 0.310 23 143 0.392 23 174 0.477
24 24 0.066 24 55 0.151 24 83 0.227 24 114 0.312 24 144 0.395 24 175 0.479
25 25 0.068 25 56 0.153 25 84 0.230 25 115 0.315 25 145 0.397 25 176 0.482
26 26 0.071 26 57 0.156 26 85 0.233 26 116 0.318 26 146 0.400 26 177 0.485
27 27 0.074 27 58 0.159 27 86 0.236 27 117 0.321 27 147 0.403 27 178 0.488
28 28 0.077 28 59 0.162 28 87 0.238 28 118 0.323 28 148 0.405 28 179 0.490
29 29 0.079
29 88 0.241 29 119 0.326 29 149 0.408 29 180 0.493
30 30 0.082
30 89 0.244 30 120 0.329 30 150 0.411 30 181 0.496
31 31 0.085
31 90 0.247 31 151 0.414
July August September October November December
D
ay
of
Month
D
ay
o
f
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
D
ay
of
Month
D
ay
of
Year
Ratio
1 182 0.499 1 213 0.584 1 244 0.668 1 274 0.751 1 305 0.836 1 335 0.918
2 183 0.501 2 214 0.586 2 245 0.671 2 275 0.753 2 306 0.838 2 336 0.921
3 184 0.504 3 215 0.589 3 246 0.674 3 276 0.756 3 307 0.841 3 337 0.923
4 185 0.507 4 216 0.592 4 247 0.677 4 277 0.759 4 308 0.844 4 338 0.926
5 186 0.510 5 217 0.595 5 248 0.679 5 278 0.762 5 309 0.847 5 339 0.929
6 187 0.512 6 218 0.597 6 249 0.682 6 279 0.764 6 310 0.849 6 340 0.932
7 188 0.515 7 219 0.600 7 250 0.685 7 280 0.767 7 311 0.852 7 341 0.934
8 189 0.518 8 220 0.603 8 251 0.688 8 281 0.770 8 312 0.855 8 342 0.937
9 190 0.521 9 221 0.605 9 252 0.690 9 282 0.773 9 313 0.858 9 343 0.940
10 191 0.523 10 222 0.608 10 253 0.693 10 283 0.775 10 314 0.860 10 344 0.942
11 192 0.526 11 223 0.611 11 254 0.696 11 284 0.778 11 315 0.863 11 345 0.945
12 193 0.529 12 224 0.614 12 255 0.699 12 285 0.781 12 316 0.866 12 346 0.948
13 194 0.532 13 225 0.616 13 256 0.701 13 286 0.784 13 317 0.868 13 347 0.951
14 195 0.534 14 226 0.619 14 257 0.704 14 287 0.786 14 318 0.871 14 348 0.953
15 196 0.537 15 227 0.622 15 258 0.707 15 288 0.789 15 319 0.874 15 349 0.956
16 197 0.540 16 228 0.625 16 259 0.710 16 289 0.792 16 320 0.877 16 350 0.959
17 198 0.542 17 229 0.627 17 260 0.712 17 290 0.795 17 321 0.879 17 351 0.962
18 199 0.545 18 230 0.630 18 261 0.715 18 291 0.797 18 322 0.882 18 352 0.964
19 200 0.548 19 231 0.633 19 262 0.718 19 292 0.800 19 323 0.885 19 353 0.967
20 201 0.551 20 232 0.636 20 263 0.721 20 293 0.803 20 324 0.888 20 354 0.970
21 202 0.553 21 233 0.638 21 264 0.723 21 294 0.805 21 325 0.890 21 355 0.973
22 203 0.556 22 234 0.641 22 265 0.726 22 295 0.808 22 326 0.893 22 356 0.975
23 204 0.559 23 235 0.644 23 266 0.729 23 296 0.811 23 327 0.896 23 357 0.978
24 205 0.562 24 236 0.647 24 267 0.732 24 297 0.814 24 328 0.899 24 358 0.981
25 206 0.564 25 237 0.649 25 268 0.734 25 298 0.816 25 329 0.901 25 359 0.984
26 207 0.567 26 238 0.652 26 269 0.737 26 299 0.819 26 330 0.904 26 360 0.986
27 208 0.570 27 239 0.655 27 270 0.740 27 300 0.822 27 331 0.907 27 361 0.989
28 209 0.573 28 240 0.658 28 271 0.742 28 301 0.825 28 332 0.910 28 362 0.992
29 210 0.575 29 241 0.660 29 272 0.745 29 302 0.827 29 333 0.912 29 363 0.995
30 211 0.578 30 242 0.663 30 273 0.748 30 303 0.830 30 334 0.915 30 364 0.997
31 212 0.581 31 243 0.666
31 304 0.833
31 365 1.000
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
Effective March 1, 2006 G-4 FIRST REPRINTING
COPYRIGHT – TAIPA – 2004
Rule 7. UNINSURED/UNDERINSURED
MOTORISTS COVERAGE
A. Owners (coverage Code: Refer to the Statistical
Plan)—Uninsured/underinsured motorists coverage
must be provided when liability coverage is written for
the owner of an auto or trailer that is registered or
specifically garaged in Texas unless rejected in writing
by the named insured.
Once rejected, the coverage is not required under
subsequent renewals issued by the same company or
affiliated insurer, unless requested by the named
insured in writing.
B. Non-owners (Coverage code 9900)
Uninsured/underinsured motorists coverage may be
provided for a non-owner under a Named Non-owner or
Named Operator-Governmental Employee Policy.
Charge the rate applicable for the first auto for owners.
C. Limits—The minimum limit is that limit which is
required by the Texas Motor Vehicle Safety-
Responsibility Act. Coverage is to be provided on a
split limit basis only.
D. Deductible—Property damage liability coverage is
subject to $250 deductible.
E. Modification—Do not modify the premium under any
rating plan or other manual rule provisions.
F Rates—Refer to the appropriate rate section. If liability
rates are based on private passenger liability rates, use
the private passenger rates. For all others, use the
truck, tractor, trailer or public transportation rates.
Rule 8. PERSONAL INJURY PROTECTION
ⓔ A. Owners—Personal injury protection must be provided
when bodily injury liability coverage is written for the
owner of an auto or trailer principally garaged in Texas,
unless specifically rejected in writing by the named
insured.
Once rejected personal injury protection is not required
under subsequent renewals issued by the same
company or an affiliated insurer, unless requested by
the named insured in writing.
B. Non-owners—Personal injury protection coverage may
be provided under a Named Non-owner Policy. Refer
to the Named Non-owner Coverage rule (Rule 45).
C. Rates—Refer to the appropriate Personal Injury
Protection Rate pages. For private passenger autos
and autos classified and rated as private passenger
autos use the rates in Table A or Table B of the Private
Passenger Rate Section. For risks written at a
percentage of private passenger rates, such as
motorcycles, use the rates in Table B of the Private
Passenger Rate Section unless specified otherwise in
the rule.
NOTES: 1. If personal injury protection insurance is
afforded for more than one auto covered
under the same policy owned by an
individual or husband and wife resident in
the same household, apply the personal
injury protection rate in Table A to only
one auto.
2. Apply applicable rating factor(s) to the
base rate before entering table for
personal injury protection, except for
private passenger autos eligible for credits
under the rules in the Private Passenger
Chapter.
The limit of liability is $2,500 per person, per accident.
Rule 9. ADDITIONAL CHARGES
A. Additional charges are applicable to all risks.
B. Experience Period
The experience period is the 36 months immediately
preceding the date of the policy.
C. Apply Additional Charges for
1. each accident involving the applicant, named
insured or any other person who operates the
auto(s); and
2. each conviction involving the applicant, named
insured or any other person who operates the
auto(s).
D. Additional Charges for Accidents and Convictions
1. Accidents
If during the experience period the applicant or
anyone who usually drives the motor vehicle has
been involved as an operator or owner in a motor
vehicle accident resulting in injury to or death of
any other person or damage to property of another,
apply the following additional charge:
20%—For each accident
Exceptions: No additional charge shall apply for
involvement in an accident:
a. that occurred while the auto owned or
operated by the applicant or other person who
usually drives the applicant’s auto was lawfully
parked, standing, or stopped; or
b. in which the auto was struck by a hit-and-run
driver, if such accident was reported to the
proper authority within 24 hours; or
c. as a result of which the applicant or other
person who usually drives the applicant’s auto
obtained a judgment against, or a settlement
from or on behalf of, the owner or operator of
another auto involved in such accident if the
judgment or settlement was obtained prior to
the date of application or in case of renewal,
prior to the effective date of the renewal policy,
and provided no judgment was obtained
against or any amount paid in settlement by or
on behalf of the applicant or other person who
usually drives the applicant’s auto as a result
of such accident; or
d. in connection with which neither the applicant
nor other person who usually drives the
applicant’s auto was convicted of a moving
traffic violation and the owner or operator of
another auto involved was so convicted; or
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
ORIGINAL PRINTING G-5 Effective December 1, 2004
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d. in connection with which neither the applicant
nor other person who usually drives the
applicant’s auto was convicted of a moving
traffic violation and the owner or operator of
another auto involved was so convicted; or
e. resulting in the payment of a personal injury
protection loss only.
2. Convictions
The term “convictions” as used herein, includes a
final conviction in any court in the United States;
forfeiture of bond; or payment of a fine or an
amount accepted by the court, whether paid by or
on behalf of the applicant or operator, as a result of
an allegation that a violation of a law regulating the
operation of autos has been committed.
Conviction
Additional
Charge
a*. driving while under the influence
of alcohol, controlled substance
drugs, or a combination of two
or more of the substances; or
60%
b*. involuntary manslaughter; or 60%
c. criminally negligent operation of
an auto; or
60%
d. failure to stop, render aid, and
disclose identity at the scene of
an auto accident; or
60%
e. driving while license suspended
or driving without a valid driver’s
or operator’s license in force
and effect; (no additional charge
will be charged for a conviction
of failure to have a motorcycle
operator’s endorsement
provided the operator has an
otherwise valid driver’s or
operator’s license).
60%
f. Any other traffic conviction 15%
Exceptions: There is no additional charge for the
following convictions:
(1) parking,
(2) expired inspection sticker, or
(3) failure to maintain or provide
evidence of Auto Liability
Insurance,
(4) violations of written promises
to appear in court.
*Note: Personal Auto Policies—For offenses of
driving while under the influence of
alcohol, controlled substance, drugs, or a
combination of two or more of these
substances or involuntary manslaughter,
the applicable additional charges for these
offenses shall apply only for a thirty-six
(36) month period following the date of
conviction.
E. The additional charges in paragraph D.1 and D.2 above
shall be the sum of additional charges for each
conviction or accident but shall not exceed 100%. The
additional charge shall be in addition to any premium
charge applicable under the Certified Risks—Financial
Responsibility Laws rule (Rule 10).
F. If, during the term of the policy, it becomes necessary
for the insured to file proof of financial responsibility in
accordance with the provisions of a financial
responsibility law, the cause for which the filing is
required shall be deemed to be within the experience
periods referred to in paragraph D.1 and D.2 above and
any additional premium shall be computed on a pro rata
basis from the date the certificate is required until the
end of the policy period. (Exception: see note under
convictions).
G. Compute the additional charge premium as follows:
1. Owners—Apply the additional charge percentage
to the manual premium, modified in accordance
with any applicable manual rule or rating plan, for
the highest rated auto for which insurance is to be
afforded.
2. Garages—Named operator Basis—For policies
issued to auto sales agencies, repair shops,
storage garages, service stations, and trailer sales
on a named operator basis, apply the additional
charge percentage to the manual premium for the
highest rated named operator.
3. Non-owners—Named Driver or Named Non-
owner Policy—Apply the additional charge
percentage to the manual premium for the policy.
Exception: Provided owner’s coverage is
assigned through the Association, the
additional charges applied in the
rating of the owner’s coverage shall
not be applied in the rating of a
Named Driver or Named Non-owner
Policy, assigned through the
Association, that insures a relative of
the owner who is a resident of the
same household.
Rule 10. CERTIFIED RISKS—FINANCIAL
RESPONSIBILITY LAWS
A policy for which an SR-22 must be made shall be
amended to conform to the definition, if any, of motor vehicle
liability policy in any applicable financial responsibility, safety
responsibility, or compulsory automobile liability law.
Attach the appropriate Financial Responsibility Certificate
ⓔ
Endorsement. Policies certified under an SR-22 filing must
describe the motor vehicle so certified. If a Non-owner
Policy is involved the certificate must so indicate. Further,
The Texas Motor Vehicle Safety-Responsibility Act requires
with respect to an “owners policy of liability insurance” that
such policy shall provide coverage for the insured named
therein and any other person, as insured, using a vehicle so
certified with the express or implied permission of such
named insured.
Premium Charge: $20 for the insured for whom the
certificate is filed.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
Effective December 1, 2004 G-6 ORIGINAL PRINTING
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Rule 11. SUSPENSION
If the period of suspension is less than thirty
consecutive days, return premium for the suspension
period is not permissible.
A. This Rule does not apply to the following types of risks:
1. Risks for which a certificate has been filed in
accordance with a financial responsibility law.
2. Risks subject to the requirements of a city, state or
federal authority regulating motor carriers of
passengers or property.
ⓔ B. Policy coverages may be suspended by endorsement.
The premium for the period of insurance must be
computed on a pro rata basis in accordance with the
provisions in paragraph C.
ⓔ C. When coverages provided by a policy are suspended,
the following provisions are applicable:
1. The coverages may be reinstated upon request of
the named insured, effective not earlier than the
receipt of such request by the company.
2. The reinstatement endorsement shall not extend
beyond the policy expiration date.
3. Pro rata return premium for the period of
suspension is payable upon reinstatement of the
insurance.
4. If the policy expires during the period of
suspension, the named insured shall be entitled to
pro rata return premium with respect to the
minimum period of suspension and the Policy
Minimum Premium rule (Rule 3).
5. If a policy written for less than one year is
suspended but subsequently reinstated and
extended for the remainder of such a year, or any
part thereof, a pro rata premium credit shall be
granted for the period of suspension.
Rule 12. INDIVIDUAL AS THE NAMED INSURED
ⓔ Endorse a policy other than a Personal Auto Policy,
covering an individual (owning more than 50%) as a named
insured with the Individual Named Insured Endorsement.
Rule 13. TERRITORIES
This Rule contains the Texas Territory Schedule and
Statistical Code designations for all automobile coverages.
The appropriate territory schedule and statistical code
number may be determined by referring to the alphabetical
county index. If the county is unknown, refer to an atlas or
map for necessary identifying information.
In the event the city or town is located in more than one
county, the actual county of garaging determines the
territory.
County
Terr.
Schedule
& Code
A
Anderson..................................................................63
Andrews ...................................................................61
County
Terr.
Schedule
& Code
Angelina...................................................................47
Aransas....................................................................55
Archer ......................................................................63
Armstrong ................................................................65
Atascosa..................................................................64
Austin.......................................................................64
B
Bailey.......................................................................65
Bandera ...................................................................64
Bastrop ....................................................................64
Baylor.......................................................................65
Bee ..........................................................................64
Bell...........................................................................51
Bexar .......................................................................03
Blanco......................................................................64
Borden .....................................................................65
Bosque.....................................................................63
Bowie.......................................................................41
Brazoria ...................................................................37
Brazos......................................................................66
Brewster...................................................................65
Briscoe.....................................................................65
Brooks......................................................................56
Brown.......................................................................63
Burleson...................................................................64
Burnet ......................................................................64
C
Caldwell ...................................................................64
Calhoun ...................................................................54
Callahan...................................................................65
Cameron ..................................................................57
Camp .......................................................................63
Carson .....................................................................65
Cass.........................................................................63
Castro ......................................................................65
Chambers ................................................................49
Cherokee .................................................................63
Childress..................................................................65
Clay..........................................................................63
Cochran ...................................................................65
Coke ........................................................................65
Coleman...................................................................65
Collin........................................................................28
Collingsworth ...........................................................65
Colorado ..................................................................64
Comal ......................................................................53
Comanche................................................................63
Concho ....................................................................65
Cooke ......................................................................63
Coryell......................................................................63
Cottle .......................................................................65
Crane.......................................................................61
Crockett....................................................................65
Crosby .....................................................................65
Culberson.................................................................65
D
Dallam......................................................................65
Dallas.......................................................................02
Dawson....................................................................65
Deaf Smith ...............................................................65
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
ORIGINAL PRINTING G-7 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
County
Terr.
Schedule
& Code
Delta.........................................................................63
Denton......................................................................27
DeWitt ......................................................................64
Dickens ....................................................................65
Dimmit......................................................................64
Donley......................................................................65
Duval........................................................................64
E
Eastland ...................................................................63
Ector.........................................................................59
Edwards...................................................................64
Ellis...........................................................................31
El Paso.....................................................................05
Erath ........................................................................63
F
Falls..........................................................................63
Fannin ......................................................................63
Fayette.....................................................................64
Fisher .......................................................................65
Floyd ........................................................................65
Foard........................................................................65
Fort Bend .................................................................38
Franklin ....................................................................63
Freestone.................................................................63
Frio...........................................................................64
G
Gaines......................................................................65
Galveston.................................................................22
Garza .......................................................................65
Gillespie ...................................................................64
Glasscock.................................................................65
Goliad.......................................................................64
Gonzales..................................................................64
Gray .........................................................................62
Grayson....................................................................13
Gregg .......................................................................42
Grimes......................................................................63
Guadalupe................................................................53
H
Hale..........................................................................65
Hall...........................................................................65
Hamilton...................................................................63
Hansford...................................................................65
Hardeman ................................................................65
Hardin.......................................................................48
Harris........................................................................01
Harrison....................................................................44
Hartley......................................................................65
Haskell .....................................................................65
Hays.........................................................................53
Hemphill ...................................................................65
Henderson................................................................63
Hidalgo.....................................................................57
Hill ............................................................................63
Hockley ....................................................................65
Hood.........................................................................46
Hopkins ....................................................................63
Houston....................................................................63
Howard.....................................................................60
County
Terr.
Schedule
& Code
Hudspeth..................................................................65
Hunt .........................................................................63
Hutchinson...............................................................62
I
Irion..........................................................................65
J
Jack .........................................................................63
Jackson....................................................................64
Jasper......................................................................63
Jeff Davis.................................................................65
Jefferson..................................................................21
Jim Hogg..................................................................56
Jim Wells..................................................................55
Johnson ...................................................................34
Jones .......................................................................65
K
Karnes .....................................................................64
Kaufman...................................................................45
Kendall.....................................................................64
Kenedy.....................................................................56
Kent .........................................................................65
Kerr..........................................................................64
Kimble......................................................................64
King..........................................................................65
Kinney......................................................................64
Kleberg ....................................................................55
Knox.........................................................................65
L
Lamar.......................................................................63
Lamb........................................................................65
Lampasas ................................................................63
La Salle....................................................................64
Lavaca .....................................................................64
Lee...........................................................................64
Leon.........................................................................63
Liberty......................................................................49
Limestone ................................................................63
Lipscomb..................................................................65
Live Oak...................................................................64
Llano........................................................................64
Loving ......................................................................65
Lubbock ...................................................................10
Lynn.........................................................................65
M
McCulloch ................................................................64
McLennan ................................................................24
McMullen..................................................................64
Madison ...................................................................63
Marion......................................................................63
Martin.......................................................................65
Mason......................................................................64
Matagorda................................................................54
Maverick...................................................................58
Medina.....................................................................64
Menard.....................................................................64
Midland ....................................................................60
Milam .......................................................................64
Mills..........................................................................63
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
Effective December 1, 2004 G-8 ORIGINAL PRINTING
COPYRIGHT – TAIPA – 2004
County
Terr.
Schedule
& Code
Mitchell.....................................................................65
Montague .................................................................63
Montgomery .............................................................40
Moore.......................................................................62
Morris .......................................................................41
Motley.......................................................................65
N
Nacogdoches ...........................................................47
Navarro ....................................................................63
Newton.....................................................................63
Nolan........................................................................65
Nueces.....................................................................07
O
Ochiltree...................................................................65
Oldham.....................................................................65
Orange .....................................................................06
P
Palo Pinto.................................................................63
Panola......................................................................63
Parker.......................................................................46
Parmer .....................................................................65
Pecos .......................................................................65
Polk ..........................................................................63
Potter........................................................................14
Presidio ....................................................................65
R
Rains........................................................................63
Randall.....................................................................14
Reagan.....................................................................65
Real..........................................................................64
Red River .................................................................63
Reeves.....................................................................65
Refugio.....................................................................64
Roberts.....................................................................65
Robertson.................................................................63
Rockwall...................................................................45
Runnels....................................................................65
Rusk.........................................................................44
S
Sabine......................................................................63
San Augustine..........................................................63
San Jacinto ..............................................................63
San Patricio..............................................................55
San Saba .................................................................64
Schleicher ................................................................65
Scurry.......................................................................65
Shackelford ..............................................................65
Shelby ......................................................................63
Sherman...................................................................65
Smith........................................................................43
Somervell .................................................................63
County
Terr.
Schedule
& Code
Starr.........................................................................56
Stephens..................................................................63
Sterling.....................................................................65
Stonewall .................................................................65
Sutton ......................................................................65
Swisher....................................................................65
T
Tarrant .....................................................................04
Taylor.......................................................................11
Terrell.......................................................................65
Terry ........................................................................65
Throckmorton...........................................................65
Titus.........................................................................63
Tom Green...............................................................16
Travis.......................................................................23
Trinity.......................................................................63
Tyler.........................................................................63
U
Upshur .....................................................................44
Upton .......................................................................65
Uvalde......................................................................64
V
Val Verde .................................................................58
Van Zandt ................................................................63
Victoria.....................................................................54
W
Walker......................................................................63
Waller.......................................................................39
Ward ........................................................................61
Washington..............................................................64
Webb .......................................................................12
Wharton ...................................................................64
Wheeler ...................................................................65
Wichita.....................................................................20
Wilbarger..................................................................65
Willacy .....................................................................56
Williamson................................................................52
Wilson......................................................................64
Winkler.....................................................................61
Wise.........................................................................32
Wood .......................................................................63
Y
Yoakum....................................................................65
Young ......................................................................63
Z
Zapata......................................................................56
Zavala......................................................................64
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
FIRST REPRINTING G-9 Effective March 1, 2006
COPYRIGHT – TAIPA - 2004
ENDORSEMENT REFERENCES
Endorsement
Rule Title Number
2 Calculation of Premium—Terms Longer Than 12 Months TE 99 00A
7 Uninsured/Underinsured Motorists Insurance TE 04 09D
8 Personal Injury Protection Endorsement TE 04 01C
10 Financial Responsibility Certification (SR-22 Filings) 571A
10 Financial Responsibility Certification (SR-22 Filing) TE 99 82B
11 Reinstatement of Insurance 543
11 Reinstatement of Insurance TE 02 38A
11 Suspension of Insurance 542
11 Suspension of Insurance TE 02 40A
12 Individual Named Insured TE 99 17H
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
GENERAL RULES
Effective December 1, 2004 G-10 ORIGINAL PRINTING
COPYRIGHT – TAIPA – 2004
NOTES
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING P-1 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER CHAPTER
Rule 30. DEFINITIONS
A. Definitions
ⓔ 1. Private Passenger Auto
A private passenger auto is a four-wheel auto, of
the private passenger or station wagon type,
owned or leased under written contract for a
continuous period of at least six months.
Classify the following autos as private passenger
autos if they meet the specified criteria:
a. Utility Type Autos that are
(1) owned or leased under a written contract
for a continuous period of at least six
months:
(a) by an individual, or by two or more
individuals who are residents of the
same household, or
(b) by two or more individuals who are
not residents of the same household,
but are related by blood, marriage or
adoption, including a ward or foster
child; and
(2) not used for the delivery or transportation
of goods, materials or supplies other than
samples, unless:
(a) the delivery of goods, materials or
supplies is not the primary usage of
the auto.
(b) for farming or ranching.
b. Autos owned by a farm partnership or farm
corporation that:
(1) are principally garaged on a farm or ranch
and principally used in farm or ranch
operations, and
(2) meet the requirements in the first
paragraph of 1 and 1.a.(2) above.
Refer to the Private Passenger Auto
Classifications rule (Rule 32) paragraph
A.4.
2. Utility Type Auto
A utility type auto means an auto (with a G.V.W. of
25,000 lbs. or less) of the pickup body, van type
and multi-use type, which includes Jeeps, Blazers,
Rancheros, Broncos and other similar autos.
3. Utility Type Trailers
Utility type trailers designed to be pulled by a
private passenger auto or utility type auto not used
for business or commercial purposes other than
farming or ranching.
This does not include mobile home, recreational,
store, display or passenger trailers.
4. Mobile Home Trailers (Class Code 7963)
Trailers equipped with living quarters that include
cooking, dining, sleeping facilities and plumbing or
refrigeration.
5. Recreational Trailers (Class Code 9582)
Trailers less than 40 feet in length, less than 8 feet
in width and used primarily for recreational
camping. This includes camper trailers not
otherwise fitting the definition of mobile homes but
used for recreational camping.
6. Motorhomes (Class Code 9437) ⓔ
a. Self-propelled motor vehicles with a living area
that is an integral part of the vehicle chassis.
The living area must consist of facilities for
cooking and sleeping.
b. A pickup used solely to transport a
permanently attached camper body.
c. A self-propelled motor vehicle not described
above but that is used primarily for recreational
camping.
Note: Removable or slip-in campers or trucks
equipped with camper shells are not
eligible for this Rule.
7. Motorcycles ⓔ
Motorcycles, mopeds, motorscooters, motorbikes,
go-carts and any other similar autos
8.
All-Terrain Vehicles (Class Code 9590) ⓔ
Four or six wheel autos equipped with balloon tires
or crawler treads, designed for use on rugged
terrain or rugged terrain and water.
9. Dune Buggies (Class Code 9432) ⓔ
Autos of the private passenger type designed or
modified for use principally off public roads.
10. Golf Carts (Class Code 9435) ⓔ
Three or four wheel autos with limited speed
capabilities designed to carry golfers and their
equipment around a golf course.
11. Antique, Collectible and Special Interest ⓔ
Autos (Class Code 9620)
Autos of the private passenger type that are:
a. maintained primarily for use in exhibitions, club
activities, parades and other functions of public
interest and
b. occasionally used for other purposes.
B. An auto subject to rating under any other Chapter of
this manual shall not be considered a private passenger
auto as defined in this Chapter.
C. Private Passenger Auto as used in this Chapter refers
to a private passenger auto or an auto considered as a
private passenger auto.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER
Effective December 1, 2004 P-2 ORIGINAL PRINTING
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D. Liability as used in this Chapter refers only to bodily
injury and property damage coverages.
Rule 31. PREMIUM DEVELOPMENT
A. Refer to the Territories rule (Rule 13) to determine the
schedule number of the territory in which the auto will
be principally garaged.
B. Liability Coverage
1. Refer to the Private Passenger Auto
Classifications rule (Rule 32) for the appropriate
classification.
2. Refer to the Private Passenger Rate Section by
territory and classification.
3. If a driver training credit (Rule 33) applies,
decrease the rates determined above by the
appropriate percentage.
4. If a driver improvement course credit (Rule 34)
applies, decrease the rates determined above by
the appropriate percentage.
5. If additional charges for accidents and convictions
(Rule 9) apply, increase the rates determined
above by the appropriate percentage.
Note: Credits will not be cumulative on any one auto,
but application of one credit to one auto on a
policy will not preclude application of other
credits to the other autos on the policy
provided the necessary qualifications are met.
C. Personal Injury Protection
1. Personal injury protection coverage shall be
afforded with respect to an auto insured for liability
unless rejected in writing by the named insured.
2. Refer to the Personal Injury Protection rule (Rule
8).
3. If a passive restraint credit (Rule 35) applies,
decrease the rates determined above by the
appropriate percentage.
4. If a driver training credit (Rule 33) applies,
decrease the rates determined above by the
appropriate percentage.
5. If a driver improvement course credit (Rule 34)
applies, decrease the rates determined above by
the appropriate percentage.
6. If additional charges for accidents and convictions
(Rule 9) apply, increase the rates determined
above by the appropriate percentage.
Note: Credits will not be cumulative on any one auto,
but application of one credit to one auto on a
policy will not preclude application of other
credits to the other autos on the policy
provided the necessary qualifications are met.
D. Uninsured/Underinsured Motorists Coverage
1. Uninsured/underinsured motorists coverage shall
be afforded with respect to an auto insured for
liability unless rejected in writing by the named
insured.
2. Refer to the Uninsured/Underinsured Motorists
Coverage rule (Rule 7).
E. If a financial responsibility filing is required, refer to the
Certified Risks—Financial Responsibility Laws rule
(Rule 10).
Rule 32. PRIVATE PASSENGER AUTO
CLASSIFICATIONS
A. Private passenger autos owned or leased for a
continuous period of six months or more shall be
classified as shown in the following chart with the
following exceptions:
1. Private passenger autos owned by a member of
the clergy and used principally in church related
duties shall be classified on the age of the
operators, but will not be considered as used for
business nor driven to and from work;
2. A private passenger auto subject to Class 3, 3A, 8, ⓔ
or 8A used in the business of the United States
Government by an employee of the government
may be classified and rated for liability only as 1A,
1B, 1C, 6A, 6B, or 6C;
3. Private passenger autos owned by a corporation,
partnership, or unincorporated association shall be
classified and rated as Class 3;
4. Private passenger autos principally garaged on a
farm or ranch and neither used in any occupation
other than farming or ranching nor customarily
used in going to or from work other than farming or
ranching, shall be classified and rated as Class
1AF, 2AF-1, 2AF-2, 2CF-1, 2CF-2, 2DF, or 6AF.
Refer to paragraph B of this Rule for the definitions of
terms used in this Rule.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER
ORIGINAL PRINTING P-3 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
IF MORE THAN ONE CLASSIFICATION IS APPLICABLE, THE CLASS DEVELOPING THE HIGHER
PREMIUM SHOULD BE USED
Description of Use Of Auto
Other Than Business Use
Description of Operator
Not
Driven
To Or
From
Work
Driven To
Or From
Work More
than 50% of
the Time
Driven To
Or From
Work 50%
or Less of
the Time
Business
Use
Farm
Autos
No Youthful Operators & No Senior Operators 1A 1B 1C 3* 1AF
Senior Operator but No Youthful Operators 6A 6B 6C 8† 6AF
Females Unmarried
Under Age
21
2D 2DF
Under Age
21
2C-1 2CF-1
Owner or
Principal
Operator
Under Age
25 but
Age 21 or
Older
2C-2 2CF-2
Under Age
21
2A-1 2AF-1
Unmarried
Not Owner
or
Principal
Operator
Under Age
25 but
Age 21 or
Older
2A-2 2AF-2
Under Age 21 2A-1 2AF-1
Youthful
Operators
Males
Married
Under Age 25 but
Age 21 or Older
2A-2 2AF-2
* If the auto is a Utility Type Auto use Class 3A
† If the auto is a Utility Type Auto use Class 8A
B. Definitions
The following terms used in the classification
descriptions of the rule shall mean:
1. “Age” means the age attained on the last birthday.
2. “Driven to or from work” means that the auto is
customarily used in the course of driving to or from
work.
a. The term “customarily” shall include the use of
autos in a car-pool or other share-the-ride
arrangements.
b. An auto used for driving to or from school shall
be considered as used for driving to or from
work.
3. “Farm auto” means an auto principally garaged on
a farm or ranch that is not customarily used in
going to or from school or going to or from work
other than farming or ranching and is not used in
any occupation other than farming or ranching.
4. “Married” means a married person living with
spouse and includes a person widowed, divorced
or legally separated only if such person has
custody of a child resident of the same household.
5. “Resident” means anyone residing in the same
household and an individual absent from the
household while attending school; however, it shall
not include an individual in active military service
with the armed forces of the United States of
America unless such individual customarily
operates the auto.
6. “Senior Operator“ means an applicant 65 years of
age or over, any other operator of the auto 65
years of age or over resident of the same
household as the applicant or any other operator
65 years of age or over who customarily operates
the auto.
7. “Used for business” means that the use of the auto
is required by or customarily involved in the duties
of the applicant or any other person customarily
operating the auto in his or her occupation,
profession or business, other than in going to or
from his or her principal place of occupation,
profession or business.
8. “Youthful operator” means an applicant or any
other operator resident in the same household as
the applicant, who customarily operates the auto,
and is one of the following:
a. “Male operator under 25 years of age” means
a male applicant under 25 years of age, any
other male operator of the auto under 25 years
of age resident of the same household as the
applicant or any other male operator under 25
years of age who customarily operates the
auto.
b. “Unmarried female operator under 21 years of
age” means an unmarried female applicant
under 21 years of age, any other unmarried
female operator of the auto under 21 years of
age resident of the same household as the
applicant or any other unmarried female
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
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operator under 21 years of age who
customarily operates the auto.
C. Two or more autos in the same household as the
applicant
1. If there are more autos than operators, or an equal
number of autos and operators, assign operators to
autos as follows:
a. Each youthful operator to the auto principally
operated.
If a youthful driver is the sole operator of more
than one auto, the youthful classification will
be assigned to the auto with the highest total
premium.
b. Remaining youthful operators to remaining
autos in the order of highest rated youthful
operator to the auto with the highest total
premium without regard to the autos operated.
c. Each senior operator to the auto principally
operated.
If all operators in the household are age 65 or
over, the “Senior Operator” classification
applies to all autos.
d. Any remaining autos at the appropriate
classification without regard to youthful
operators and senior operators.
2. If there are more operators than autos, assign
operators to autos as follows:
a. Select the youthful operators with the highest
rate equal to the number of autos.
b. Of those selected, assign any principal
operators to the autos they principally operate.
c. Of those selected and remaining after principal
operator assignment, assign operators to
autos in the order of highest rated youthful
operator to the auto with the highest total
premium.
d. Each senior operator to the auto principally
operated.
e. Any remaining autos at the appropriate
classification without regard to youthful
operator and senior operator.
Rule 33. DRIVER TRAINING CREDIT
Liability and Personal Injury Protection Coverages Only
This Rule only applies to Private Passenger Autos and
autos included in the Private Passenger Auto definition
under the Definitions rule (Rule 30).
A. Apply a 10% credit to the premium for any auto, if the
following criteria are met:
1. The auto is classified as class 2A-1, 2A-2, 2AF-1,
2AF-2, 2C-1, 2C-2, 2D, 2CF-1, 2CF-2, or 2DF.
2. Each of the following applicants and operators
have successfully completed a driver education
course:
a. Any male applicant under 25 years of age.
b. Any unmarried female applicant under 21
years of age.
3. All male operators of the auto under 25 years of
age and all unmarried female operators of the auto
under 21 years of age resident of the same
household as the applicant or who customarily
operate the auto have successfully completed a
driver education course.
B. Satisfactory evidence must be presented and consist of
one of the following:
1. SO-30, Driver Training Certificate.
2. Texas Driver Education Certificate DL-41A,
Revised 10/78.
3. LIDR-13 (motor vehicle record) from the Texas
Department of Public Safety containing a notation
that an approved driver education course has been
completed.
4. 964-D or 964-E Driver Education Certificate, or any
other form approved for this purpose by the Texas
Education Agency.
A photocopy of any of the four above will be acceptable.
C. Only one Driver Training Credit (Rule 33) or Driver
Improvement Course Credit (Rule 34) may apply to any
one auto, but application of one credit to one auto on a
policy will not preclude application of other credits to the
other autos on the policy provided the necessary
qualifications are met.
Rule 34. DRIVER IMPROVEMENT COURSE
CREDIT
Liability and Personal Injury Protection Coverages Only
This Rule only applies to Private Passenger Autos and
autos included in the Private Passenger Auto definition
under the Definitions rule (Rule 30).
A. Apply a 10% credit to the premium for an auto, other
than motorcycle, afforded personal auto coverage if the
principal operator has successfully completed a driver
safety course described below and met its standards.
1. Any driving safety course approved by the Texas
Education Agency (TEA) (including the State Board
of Education or the Commissioner of Education)
and taught through a TEA approved school or
course provider (or a contractually authorized user
of its course) under Texas Civil Statutes, Article
4413(29c), provided that the course is taught in its
entirety, regardless of whether a uniform certificate
of completion is issued to the graduates.
2. A driving safety course described in this paragraph
and taught through an organization that has 50,000
or more members, qualifies for a tax exemption
under Section 501(a), Internal Revenue Code of
1986 (26 U.S.C. Section 501(a)), based on being
listed under Section 501 (c)(4), Internal Revenue
Code of 1986 (26 U.S.C. Section 501 (c)(4)), and
conducts for its members and other individuals who
are at least 50 years of age a driving safety course
that is not used for purposes of former Section
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143A, Uniform Act Regulating Traffic on Highways
(Article 6701d, Vernon’s Texas Civil Statutes), now
the Transportation Code, Title 7, Sections 543.101
et seq.
B. If the policy insures two or more autos apply the credit
to each auto principally operated by the person
awarded the certificate of course completion.
C. Apply the credit for a period of 36 months subsequent
to the date of issuance of the certificate of completion.
Following such 36-month period, in order to again
qualify for such credit, the course must be again
successfully completed and evidence again presented
to the company.
D. Only one Driver Training Credit (Rule 33) or Driver
Improvement Course Credit (Rule 34) may apply to any
one auto, but application of one credit to one auto on a
policy will not preclude application of other credits to the
other autos on the policy provided the necessary
qualifications are met.
Rule 35. PASSIVE RESTRAINT CREDIT
A. This Rule only applies to Private Passenger Autos and
autos included in the Private Passenger Auto definition
under the Definitions rule (Rule 30).
B. Passive Restraint Systems are systems that meet all of
the following criteria:
1. Are continually operative the moment an individual
enters the auto and the auto begins movement.
2. Restrain the occupants from movement in the
event of a collision.
3. Automatically deploy without any manual operation
being performed by the occupants of the auto.
C. Apply the following credit to the Personal Injury
Protection premium for autos equipped with factory
installed passive restraint systems that meet the
published Federal Safety Standards:
Restraint System Description Credit
1. Air inflatable passive restraint system
(air bags)
a. All front seat occupants protected 30%
b. Driver only protected 15%
2. Belt passive restraint system
a. All front seat occupants protected 30%
b. Driver only protected 15%
D. The credits in this rule will not be cumulative on any one
auto, but application of one credit to one auto on a
policy will not preclude application of other credits to the
other autos on the policy provided the necessary
qualifications are met. A credit applied under this Rule
is to be in addition to credits applied under any other
rule.
Rule 36. TRAILERS DESIGNED FOR USE WITH
PRIVATE PASSENGER AUTOS OR
UTILITY TYPE AUTOS
A. Written on a Personal Auto Policy
A Personal Auto Policy affording liability coverage
covers trailers designed for use with a private
passenger auto and utility type auto without additional
premium charge and without specific description of the
trailer.
B. Written on a Commercial Policy
Refer to the Trailers Designed For Use With Private
Passenger Autos Or Utility Type Autos—Commercial
rule (Rule 84).
Rule 37. MOTORHOMES
A. Written on a Personal Auto Policy ⓔ
1. Liability and personal injury protection
coverages
a. Motorhomes used in driving to or from work or
used in business—rate as private passenger
autos.
b. Pleasure use motorhomes
(1) Liability—Charge .50 of the 1A rates from
the Private Passenger Rate Section.
(2) Personal injury protection—Charge the
class 1A in Table B of the Private
Passenger Rate Section.
2. Uninsured/underinsured motorists—Refer to the
Uninsured/Underinsured Motorists Coverage rule
(Rule 7).
B. Written on a Commercial Policy
Refer to the Motorhomes—Commercial rule (Rule 80).
Rule 38. MOTORCYCLES
This Rule applies to motorcycles not used for business. For
business use motorcycles, refer to the Motorcycles—
Commercial rule (Rule 79).
A. Written on a Personal Auto Policy ⓔ
1. Liability—Apply the following factors to the class
1A rate:
Engine
Size cc
Operator
Under
Age 25 Code
All Other
Operators
Code
0-100 .60 9221 .45 9231
101-200 .75 9222 .60 9232
201-360 1.05 9223 .90 9233
361-500 1.20 9224 1.05 9234
501-800 1.35 9225 1.20 9235
801-1000 1.45 9226 1.30 9236
Over 1000 +.10 for
each
200cc or
fraction
over
1,000cc
+.10 for
each
200cc or
fraction
over
1,000cc
2. Personal injury protection—Multiply the Class 1A
premium from Table A of the Private Passenger
Rate Section by 2.00.
3. Uninsured/underinsured motorists—Multiply the
premium developed in accordance with the
Uninsured/Underinsured Motorists Coverage rule
(Rule 7) by 2.00.
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B. Written on a Commercial Policy
Refer to the Motorcycles—Commercial rule (Rule 79).
Rule 39. MOTORCYCLE OPERATOR CREDITS
Liability and Personal Injury Protection Coverages Only
A. This Rule applies to motorcycles written on a specified
auto basis and owned by an individual or husband and
wife who are resident in the same household, except
autos used for commercial purposes.
B. Application of credits—Apply a credit of 10% to the
liability and personal injury protection coverages
premiums in the following manner, provided the
necessary qualifications set out in this Rule are met:
1. Credits shall not be cumulative on any one auto.
2. If the policy insures two or more autos, apply the
credits to each auto principally operated by a
person who has received a certificate.
3. Apply the credit only to the number of autos equal
to the number of operators having a certificate,
except for the Motorcycle Operator Training Credit
the operator must be under age 25.
C. Period of application—Apply the credits to new and
renewal policies effective within a period of 36 months
subsequent to the date of completion.
Following each 36-month period, in order to continue to
qualify for the credit, the course must be repeated and
evidence of completion presented to the company.
Exception: The Motorcycle Operator Training Credit
once completed will continue in effect until
the operator reaches the age of 25.
D. Satisfactory evidence includes the original certificate or
a photostat copy of the certificate.
Exception: For the Motorcycle Operator Training
Course credit satisfactory evidence must
consist of one of the following:
1. Texas Driver Education Certificate
DL–41A;
2. LIDR-13 (motor vehicle record) from
the Texas Department of Public
Safety containing a notation that an
approved Motorcycle Operator
Training Course has been completed.
In lieu of the original, a photographic copy
of any of the two above will be acceptable.
E. Courses approved under this Rule
1. National Safety Council’s Motorcycle Defensive
Driving Course meeting the standards established
by the National Safety Council requires certification
by the Texas Safety Association.
2. Motorcycle Safety Foundation’s Better Biking
Course meeting the standards established by the
Motorcycle Safety Foundation or the Texas
Department of Public Safety requires certification
by Motorcycle Safety Foundation or the Texas
Department of Public Safety.
3. Motorcycle Safety Foundation’s Motorcycle
Rider Course requires certification by the
Motorcycle Safety Foundation or the Texas
Department of Public Safety. However, all
operators of the auto must have successfully
completed a motorcycle rider course meeting the
following standards:
a. The course was sponsored by a recognized
secondary school, driver training school,
college or university, the Motorcycle Safety
Foundation or the Texas Department of Public
Safety and conducted by certified instructors.
b. The course had the official approval of the
Motorcycle Safety Foundation or the Texas
Department of Public Safety.
c. The course was composed of a minimum of
twenty hours of motorcycle rider course
instruction as required by the Motorcycle
Safety Foundation or the Texas Department of
Public Safety for an approved course.
4. Motorcycle Operator Training Credit may only
be applied when the auto is rated under the
“operator under age 25” class and all operators of
such auto under age 25 have successfully
completed a Motorcycle Operator Training Course
meeting the following standards:
a. The course was sponsored by a recognized
secondary school, driver training school,
college or university and conducted by certified
instructors.
b. The course had the official approval of the
Texas Department of Public Safety and the
Texas Education Agency.
c. The course was composed of a minimum of
thirty hours of classroom driver education
instruction plus a minimum of twenty hours of
motorcycle training course instruction as
required by the Texas Department of Public
Safety and the Texas Education Agency for an
approved course.
Rule 40. ALL-TERRAIN VEHICLES (Class Code
9590)
This Rule applies to all-terrain vehicles (ATVs) not used for
business. For business use ATVs, refer to the All Terrain
Vehicles—Commercial rule (Rule 81).
A. Written on a Personal Auto Policy ⓔ
1. Liability—Charge .50 of Class 1A private
passenger rates from the Private Passenger Rate
Section.
2. Personal injury protection—Multiply the class 1A
rates from of Table A of the Private Passenger
Rate Section by 2.00
3. Uninsured/underinsured motorists—Refer to the
Uninsured/Underinsured Motorists Coverage rule
(Rule 7).
B. Written on a Commercial Policy
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Refer to the All Terrain Vehicles—Commercial rule
(Rule 81).
Rule 41. DUNE BUGGIES (Class Code 9426)
ⓔ Classify and rate as private passenger autos.
Rule 42. GOLF CARTS (Class Code 9435)
This Rule applies to golf carts not used for business. For
business use golf carts, refer to the Golf Carts—Commercial
rule (Rule 82).
ⓔ A. Written on a Personal Auto Policy
1. Liability—Charge .25 of class 1A rates in the
Private Passenger Rate Section.
2. Personal injury protection—Charge the class 1A
rate in Table A of the Private Passenger Rate
Section.
3. Uninsured/underinsured motorists—Refer to the
Uninsured/Underinsured Motorists Coverage rule
(Rule 7).
B. Written on a Commercial Policy
Refer to the Golf Carts—Commercial rule (Rule 82).
Rule 43. ANTIQUE, COLLECTIBLE AND
SPECIAL INTEREST AUTOS (Class
Code 9620)
ⓔ A. Written on a Personal Auto Policy
1. Liability—Charge .25 of the applicable rates in the
Private Passenger Rate Section.
2. Personal injury protection—Charge .25 of the
rate in Table A in the Private Passenger Rate
Section.
3. Uninsured/underinsured motorists—Refer to the
Uninsured/Underinsured Motorists Coverage rule
(Rule 7).
B. Written on a Commercial Policy
Refer to the Antique, Collectible And Special Interest
Autos—Commercial rule (Rule 83).
Rule 44. AMPHIBIOUS AUTOS
This Rule applies to autos designed to operate on both land
and water.
ⓔ A. Written on a Personal Auto Policy
Rate as land autos according to their use.
B. Written on a Commercial Policy
Refer to the Amphibious Equipment—Commercial rule
(Rule 89).
Rule 45. NAMED NON-OWNER COVERAGE
(Class Code 7000)
ⓔ I. Named Non-Owner Coverage
(Applicable to Personal Auto Policies Only) Permanent
coverage for owned autos must be afforded under a
separate policy.
A Personal Auto Policy may be endorsed to provide
coverage for a named individual and spouse, if residents
of the same household, with respect to the operation by
either or on behalf of either of non-owned autos or the
presence of either or both in any such auto, subject to
the following provisions:
A. Liability Coverage
Determine the bodily injury and property damage
liability rates for named non-owner coverage as
follows:
Apply the specified factor to the Class 3 private passenger rate
for the territory in which the named insured resides
Description of Driver and Usage Class Factor
Public or Livery Conveyance Autos N1 *
Commercial Types N2 1.25
Male Under 25 Years
of Age
N3 1.05
Business
Use
Private
Passenger
Type Autos
No Male Under 25
Years of Age
N4 1.00
Male Operator Under 25 Years of
Age
N5 .50
Non-
Business
Use
No Male Operator Under 25 Years of
Age
N6 .40
Covered Under a Garage Policy N7 1.10 Garage
Employee†
Not Covered Under a Garage Policy N8 2.10
* If there is primary coverage on the public
autos, apply a factor of .50 the applicable
public rate. If there is no primary
insurance on the public autos, apply a
factor of 1.00 the applicable public rate.
† Garage employee is limited to employees
whose duties involve the operation of
autos.
EXCEPTIONS: 1. When there is an uninsured
auto in the household (the
non-owner operator is an
excluded driver under the
owner’s policy or the owner
has no insurance on the
auto), charge 1.00 of the
otherwise applicable rate
that would apply if the non-
owner operator owned the
auto.
2. If an individual is furnished ⓔ
an auto for regular use in the
business of the United
States Government, the
applicable N5 or N6 rate
shall apply.
The following terms used in the classification
descriptions in this Rule shall mean:
a. “Male operator under 25 years of age” means
a male applicant under 25 years of age or the
spouse of a female applicant if a resident in
the same household.
b. “Used in business” means that the use of an
auto is required by or customarily involved in
the duties of the applicant or spouse, if a
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
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resident in the same household, in his or her
occupation, profession or business other than
going to or from his or her principal place of
occupation, profession or business.
c. “Garage business” means the use of an auto
in the business of an auto sales agency, trailer
sales, repair shop, service station, storage
garage or public parking place.
B. Personal Injury Protection
Apply a factor of 1.00 to the Class 3 Personal Injury
Protection in Table A of the Private Passenger
Rate Section.
C. Uninsured/Underinsured Motorists Coverage
Apply a factor of 1.00 to the
Uninsured/Underinsured Motorists Rates in the
Private Passenger Rate Section.
ⓔ II. Named Operator Coverage-Government Employee
(Applicable to Personal Auto Policies Only)
Liability and Personal Injury Protection Coverages
Only
(This Rule is not available for policies certified
under an SR 22 filing.)
A. A policy may be endorsed to cover only the interest
of an employee of the government or any
governmental subdivision for accidents occurring
while such employee is operating or riding in any
private passenger or commercial auto provided:
1. such auto is owned by the government or any
governmental subdivision,
2. such auto, if not owned by the government or
any governmental subdivision, is in the care,
custody or control of the government and is
not owned by such employee or a member of
his or her household, and
3. the use of the auto is “pleasure and business”
or “commercial”.
B. Premium Development
1. Liability Coverage
Apply a factor of .50 to the applicable bodily
injury and property damage rates in the Private
Passenger Rate Section for the highest rated
territory in which the auto is operated.
2. Personal Injury Protection
Apply a factor of 1.00 to the Personal Injury
Protection rates in Table A in the Private
Passenger Rate Section for the highest rated
territory in which the auto is operated.
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ENDORSEMENT REFERENCES
Endorsement
Rule Title Number
30 Additional Insured—Lessor 510A
30, 37, 38, 40, 41,
42
Miscellaneous Type Vehicle Endorsement 583D
30,43 Antique, Collectible or Special Interest Auto 586A
32, 45 Federal Employees—Using Autos in Government Business 513
44 Amphibious Automobile or Amphibious Mobile Home Trailer Excluded While Being
Launched, Beached, or Used on Water
514
45 Named Non-Owner Coverage 578A
45 Named-Operator Government—Employees 579A
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NOTES
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
ORIGINAL PRINTING R-1 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER RATE SECTION
PRIVATE PASSENGER RATING WORKSHEET
Refer to the Premium Development rule (Rule 31) for Premium Development Procedures.
B.I. Liability P.D. Liability
Personal
Injury
Protection
Uninsured/
Underinsured
Motorists
Base Rates
Driver Training Credit (Rule 33)
Driver Improvement Course Credit (Rule 34)
Passive Restraint Credit (Rule 35)
Additional Charges (Rule 9)
Whole Dollar Premium
Financial Responsibility Filing (Rule 10)
Total
Note: Credits under Driving Training Credit (Rule 33) and Driver Improvement Course Credit (Rule 34) will not be
cumulative on any one auto, but application of one credit to one auto on a policy will not preclude application of other
credits to the other autos on the policy provided the necessary qualifications are met
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
Effective September 1, 2005 R-2 FIRST REPRINTING
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER LIABILITY RATES
$20,000/$40,000/$15,000 LIMITS
Territory 01 02 03 04 05 06 07 10
Type Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A $355 $381 $273 $357 $291 $308 $243 $314 $290 $249 $268 $328 $368 $267 $203 $331
113 1B 355 381 273 357 291 308 243 314 290 249 268 328 368 267 203 331
114 1C 355 381 273 357 291 308 243 314 290 249 268 328 368 267 203 331
102 2A-1 895 960 688 900 733 776 612 791 731 627 675 827 927 673 512 834
103 2A-2 501 537 385 503 410 434 343 443 409 351 378 462 519 376 286 467
104 2C-1 1026 1101 789 1032 841 890 702 907 838 720 775 948 1064 772 587 957
105 2C-2 611 655 470 614 501 530 418 540 499 428 461 564 633 459 349 569
124 2D 799 857 614 803 655 693 547 707 653 560 603 738 828 601 457 745
130 3 369 396 284 371 303 320 253 327 302 259 279 341 383 278 211 344
3A 465 499 358 468 381 403 318 411 380 326 351 430 482 350 266 434
161 6A 355 381 273 357 291 308 243 314 290 249 268 328 368 267 203 331
163 6B 355 381 273 357 291 308 243 314 290 249 268 328 368 267 203 331
164 6C 355 381 273 357 291 308 243 314 290 249 268 328 368 267 203 331
160 8 483 518 371 486 396 419 330 427 394 339 364 446 500 363 276 450
8A 454 488 349 457 372 394 311 402 371 319 343 420 471 342 260 424
115 1AF 295 316 227 296 242 256 202 261 241 207 222 272 305 222 168 275
106 2AF-1 806 865 620 810 661 699 552 713 658 565 608 745 835 606 461 751
107 2AF-2 568 610 437 571 466 493 389 502 464 398 429 525 589 427 325 530
108 2CF-1 848 911 652 853 695 736 581 750 693 595 641 784 880 638 485 791
109 2CF-2 657 705 505 660 538 570 450 581 537 461 496 607 681 494 376 612
128 2DF 533 572 410 536 437 462 365 471 435 374 402 492 552 401 305 497
165 6AF 302 324 232 303 247 262 207 267 247 212 228 279 313 227 173 281
Territory 11 12 13 14 16 20 21 22
Type Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A 160 278 205 247 187 245 170 305 172 251 158 252 259 322 259 315
113 1B 160 278 205 247 187 245 170 305 172 251 158 252 259 322 259 315
114 1C 160 278 205 247 187 245 170 305 172 251 158 252 259 322 259 315
102 2A-1 403 701 517 622 471 617 428 769 433 633 398 635 653 811 653 794
103 2A-2 226 392 289 348 264 345 240 430 243 354 223 355 365 454 365 444
104 2C-1 462 803 592 714 540 708 491 881 497 725 457 728 749 931 749 910
105 2C-2 275 478 353 425 322 421 292 525 296 432 272 433 445 554 445 542
124 2D 360 626 461 556 421 551 383 686 387 565 356 567 583 725 583 709
130 3 166 289 213 257 194 255 177 317 179 261 164 262 269 335 269 328
3A 210 364 269 324 245 321 223 400 225 329 207 330 339 422 339 413
161 6A 160 278 205 247 187 245 170 305 172 251 158 252 259 322 259 315
163 6B 160 278 205 247 187 245 170 305 172 251 158 252 259 322 259 315
164 6C 160 278 205 247 187 245 170 305 172 251 158 252 259 322 259 315
160 8 218 378 279 336 254 333 231 415 234 341 215 343 352 438 352 428
8A 205 356 262 316 239 314 218 390 220 321 202 323 332 412 332 403
115 1AF 133 231 170 205 155 203 141 253 143 208 131 209 215 267 215 261
106 2AF-1 363 631 465 561 424 556 386 692 390 570 359 572 588 731 588 715
107 2AF-2 256 445 328 395 299 392 272 488 275 402 253 403 414 515 414 504
108 2CF-1 382 664 490 590 447 586 406 729 411 600 378 602 619 770 619 753
109 2CF-2 296 514 379 457 346 453 315 564 318 464 292 466 479 596 479 583
128 2DF 240 417 308 371 281 368 255 458 258 377 237 378 389 483 389 473
165 6AF 136 236 174 210 159 208 145 259 146 213 134 214 220 274 220 268
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
FIRST REPRINTING R-3 Effective September 1, 2005
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER LIABILITY RATES
$20,000/$40,000/$15,000 LIMITS
Territory 23 24 27 28 31 32 34 37
Type Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A $213 $347 $175 $280 $231 $342 $237 $371 $225 $288 $196 $266 $222 $288 $232 $276
113 1B 213 347 175 280 231 342 237 371 225 288 196 266 222 288 232 276
114 1C 213 347 175 280 231 342 237 371 225 288 196 266 222 288 232 276
102 2A-1 537 874 441 706 582 862 597 935 567 726 494 670 559 726 585 696
103 2A-2 300 489 247 395 326 482 334 523 317 406 276 375 313 406 327 389
104 2C-1 616 1003 506 809 668 988 685 1072 650 832 566 769 642 832 670 798
105 2C-2 366 597 301 482 397 588 408 638 387 495 337 458 382 495 399 475
124 2D 479 781 394 630 520 770 533 835 506 648 441 599 500 648 522 621
130 3 222 361 182 291 240 356 246 386 234 300 204 277 231 300 241 287
3A 279 455 229 367 303 448 310 486 295 377 257 348 291 377 304 362
161 6A 213 347 175 280 231 342 237 371 225 288 196 266 222 288 232 276
163 6B 213 347 175 280 231 342 237 371 225 288 196 266 222 288 232 276
164 6C 213 347 175 280 231 342 237 371 225 288 196 266 222 288 232 276
160 8 290 472 238 381 314 465 322 505 306 392 267 362 302 392 316 375
8A 273 444 224 358 296 438 303 475 288 369 251 340 284 369 297 353
115 1AF 177 288 145 232 192 284 197 308 187 239 163 221 184 239 193 229
106 2AF-1 484 788 397 636 524 776 538 842 511 654 445 604 504 654 527 627
107 2AF-2 341 555 280 448 370 547 379 594 360 461 314 426 355 461 371 442
108 2CF-1 509 829 418 669 552 817 566 887 538 688 468 636 531 688 554 660
109 2CF-2 394 642 324 518 427 633 438 686 416 533 363 492 411 533 429 511
128 2DF 320 521 263 420 347 513 356 557 338 432 294 399 333 432 348 414
165 6AF 181 295 149 238 196 291 201 315 191 245 167 226 189 245 197 235
Territory
38 39 40 41 42 43 44 45
Type Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A $318 $326 $282 $308 $243 $315 $206 $268 $233 $320 $249 $286 $209 $268 $266 $326
113 1B 318 326 282 308 243 315 206 268 233 320 249 286 209 268 266 326
114 1C 318 326 282 308 243 315 206 268 233 320 249 286 209 268 266 326
102 2A-1 801 822 711 776 612 794 519 675 587 806 627 721 527 675 670 822
103 2A-2 448 460 398 434 343 444 290 378 329 451 351 403 295 378 375 460
104 2C-1 919 942 815 890 702 910 595 775 673 925 720 827 604 775 769 942
105 2C-2 547 561 485 530 418 542 354 461 401 550 428 492 359 461 458 561
124 2D 716 734 635 693 547 709 464 603 524 720 560 644 470 603 599 734
130 3 331 339 293 320 253 328 214 279 242 333 259 297 217 279 277 339
3A 417 427 369 403 318 413 270 351 305 419 326 375 274 351 348 427
161 6A 318 326 282 308 243 315 206 268 233 320 249 286 209 268 266 326
163 6B 318 326 282 308 243 315 206 268 233 320 249 286 209 268 266 326
164 6C 318 326 282 308 243 315 206 268 233 320 249 286 209 268 266 326
160 8 432 443 384 419 330 428 280 364 317 435 339 389 284 364 362 443
8A 407 417 361 394 311 403 264 343 298 410 319 366 268 343 340 417
115 1AF 264 271 234 256 202 261 171 222 193 266 207 237 173 222 221 271
106 2AF-1 722 740 640 699 552 715 468 608 529 726 565 649 474 608 604 740
107 2AF-2 509 522 451 493 389 504 330 429 373 512 398 458 334 429 426 522
108 2CF-1 760 779 674 736 581 753 492 641 557 765 595 684 500 641 636 779
109 2CF-2 588 603 522 570 450 583 381 496 431 592 461 529 387 496 492 603
128 2DF 477 489 423 462 365 473 309 402 350 480 374 429 314 402 399 489
165 6AF 270 277 240 262 207 268 175 228 198 272 212 243 178 228 226 277
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
Effective September 1, 2005 R-4 FIRST REPRINTING
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER LIABILITY RATES
$20,000/$40,000/$15,000 LIMITS
Territory 46 47 48 49 51 52 53 54
Type Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A $194 $277 $209 $273 $235 $277 $259 $289 $164 $268 $191 $313 $205 $273 $241 $278
113 1B 194 277 209 273 235 277 259 289 164 268 191 313 205 273 241 278
114 1C 194 277 209 273 235 277 259 289 164 268 191 313 205 273 241 278
102 2A-1 489 698 527 688 592 698 653 728 413 675 481 789 517 688 607 701
103 2A-2 274 391 295 385 331 391 365 407 231 378 269 441 289 385 340 392
104 2C-1 561 801 604 789 679 801 749 835 474 775 552 905 592 789 696 803
105 2C-2 334 476 359 470 404 476 445 497 282 461 329 538 353 470 415 478
124 2D 437 623 470 614 529 623 583 650 369 603 430 704 461 614 542 626
130 3 202 288 217 284 244 288 269 301 171 279 199 326 213 284 251 289
3A 254 363 274 358 308 363 339 379 215 351 250 410 269 358 316 364
161 6A 194 277 209 273 235 277 259 289 164 268 191 313 205 273 241 278
163 6B 194 277 209 273 235 277 259 289 164 268 191 313 205 273 241 278
164 6C 194 277 209 273 235 277 259 289 164 268 191 313 205 273 241 278
160 8 264 377 284 371 320 377 352 393 223 364 260 426 279 371 328 378
8A 248 355 268 349 301 355 332 370 210 343 244 401 262 349 308 356
115 1AF 161 230 173 227 195 230 215 240 136 222 159 260 170 227 200 231
106 2AF-1 440 629 474 620 533 629 588 656 372 608 434 711 465 620 547 631
107 2AF-2 310 443 334 437 376 443 414 462 262 429 306 501 328 437 386 445
108 2CF-1 464 662 500 652 562 662 619 691 392 641 456 748 490 652 576 664
109 2CF-2 359 512 387 505 435 512 479 535 303 496 353 579 379 505 446 514
128 2DF 291 416 314 410 353 416 389 434 246 402 287 470 308 410 362 417
165 6AF 165 235 178 232 200 235 220 246 139 228 162 266 174 232 205 236
Territory
55 56 57 58 59 60 61 62
Type
Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A $290 $238 $294 $226 $335 $245 $224 $188 $217 $275 $172 $247 $159 $217 $132 $223
113 1B 290 238 294 226 335 245 224 188 217 275 172 247 159 217 132 223
114 1C 290 238 294 226 335 245 224 188 217 275 172 247 159 217 132 223
102 2A-1 731 600 741 570 844 617 564 474 547 693 433 622 401 547 333 562
103 2A-2 409 336 415 319 472 345 316 265 306 388 243 348 224 306 186 314
104 2C-1 838 688 850 653 968 708 647 543 627 795 497 714 460 627 381 644
105 2C-2 499 409 506 389 576 421 385 323 373 473 296 425 273 373 227 384
124 2D 653 536 662 509 754 551 504 423 488 619 387 556 358 488 297 502
130 3 302 248 306 235 348 255 233 196 226 286 179 257 165 226 137 232
3A 380 312 385 296 439 321 293 246 284 360 225 324 208 284 173 292
161 6A 290 238 294 226 335 245 224 188 217 275 172 247 159 217 132 223
163 6B 290 238 294 226 335 245 224 188 217 275 172 247 159 217 132 223
164 6C 290 238 294 226 335 245 224 188 217 275 172 247 159 217 132 223
160 8 394 324 400 307 456 333 305 256 295 374 234 336 216 295 180 303
8A 371 305 376 289 429 314 287 241 278 352 220 316 204 278 169 285
115 1AF 241 198 244 188 278 203 186 156 180 228 143 205 132 180 110 185
106 2AF-1 658 540 667 513 760 556 508 427 493 624 390 561 361 493 300 506
107 2AF-2 464 381 470 362 536 392 358 301 347 440 275 395 254 347 211 357
108 2CF-1 693 569 703 540 801 586 535 449 519 657 411 590 380 519 315 533
109 2CF-2 537 440 544 418 620 453 414 348 401 509 318 457 294 401 244 413
128 2DF 435 357 441 339 503 368 336 282 326 413 258 371 239 326 198 335
165 6AF 247 202 250 192 285 208 190 160 184 234 146 210 135 184 112 190
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
FIRST REPRINTING R-5 Effective September 1, 2005
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER LIABILITY RATES
$20,000/$40,000/$15,000 LIMITS
Territory 63 64 65 66
Type Class B.I. P.D. B.I. P.D. B.I. P.D. B.I. P.D.
111 1A $193 $247 $182 $220 $136 $204 $201 $261
113 1B 193 247 182 220 136 204 201 261
114 1C 193 247 182 220 136 204 201 261
102 2A-1 486 622 459 554 343 514 507 658
103 2A-2 272 348 257 310 192 288 283 368
104 2C-1 558 714 526 636 393 590 581 754
105 2C-2 332 425 313 378 234 351 346 449
124 2D 434 556 410 495 306 459 452 587
130 3 201 257 189 229 141 212 209 271
3A 253 324 238 288 178 267 263 342
161 6A 193 247 182 220 136 204 201 261
163 6B 193 247 182 220 136 204 201 261
164 6C 193 247 182 220 136 204 201 261
160 8 262 336 248 299 185 277 273 355
8A 247 316 233 282 174 261 257 334
115 1AF 160 205 151 183 113 169 167 217
106 2AF-1 438 561 413 499 309 463 456 592
107 2AF-2 309 395 291 352 218 326 322 418
108 2CF-1 461 590 435 526 325 488 480 624
109 2CF-2 357 457 337 407 252 377 372 483
128 2DF 290 371 273 330 204 306 302 392
165 6AF 164 210 155 187 116 173 171 222
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
Effective September 1, 2005 R-6 FIRST REPRINTING
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER PERSONAL INJURY PROTECTION RATES
Individually Owned Automobiles Classified or Rated as Private Passenger Automobiles (Table A)
$2,500 Limit Per Person
Territory 01 02 03 04 05 06 07 10 11 12 13 14 16 20 21 22
Type Class
111 1A $447 $486 $419 $375 $375 $389 $509 $352 $314 $375 $360 $337 $337 $337 $434 $352
113 1B 581 632 545 488 488 506 662 458 408 488 468 438 438 438 564 458
114 1C 519 564 486 435 435 451 590 408 364 435 418 391 391 391 503 408
102 2A-1 666 724 624 559 559 580 758 524 468 559 536 502 502 502 647 524
103 2A-2 635 690 595 533 533 552 723 500 446 533 511 479 479 479 616 500
104 2C-1 693 753 649 581 581 603 789 546 487 581 558 522 522 522 673 546
105 2C-2 612 666 574 514 514 533 697 482 430 514 493 462 462 462 595 482
124 2D 693 753 649 581 581 603 789 546 487 581 558 522 522 522 673 546
130 3 492 535 461 413 413 428 560 387 345 413 396 371 371 371 477 387
3A 447 486 419 375 375 389 509 352 314 375 360 337 337 337 434 352
161 6A 380 413 356 319 319 331 433 299 267 319 306 286 286 286 369 299
163 6B 501 544 469 420 420 436 570 394 352 420 403 377 377 377 486 394
164 6C 519 564 486 435 435 451 590 408 364 435 418 391 391 391 503 408
160 8 447 486 419 375 375 389 509 352 314 375 360 337 337 337 434 352
8A 478 520 448 401 401 416 545 377 336 401 385 361 361 361 464 377
115 1AF 380 413 356 319 319 331 433 299 267 319 306 286 286 286 369 299
106 2AF-1 527 573 494 443 443 459 601 415 371 443 425 398 398 398 512 415
107 2AF-2 492 535 461 413 413 428 560 387 345 413 396 371 371 371 477 387
108 2CF-1 501 544 469 420 420 436 570 394 352 420 403 377 377 377 486 394
109 2CF-2 496 539 465 416 416 432 565 391 349 416 400 374 374 374 482 391
128 2DF 492 535 461 413 413 428 560 387 345 413 396 371 371 371 477 387
165 6AF 380 413 356 319 319 331 433 299 267 319 306 286 286 286 369 299
Territory 23 24 27 28 31 32 34 37 38 39 40 41 42 43 44 45
Type Class
111 1A $367 $337 $382 $337 $360 $352 $360 $352 $442 $419 $352 $375 $442 $419 $419 $396
113 1B 477 438 497 438 468 458 468 458 575 545 458 488 575 545 545 515
114 1C 426 391 443 391 418 408 418 408 513 486 408 435 513 486 486 459
102 2A-1 547 502 569 502 536 524 536 524 659 624 524 559 659 624 624 590
103 2A-2 521 479 542 479 511 500 511 500 628 595 500 533 628 595 595 562
104 2C-1 569 522 592 522 558 546 558 546 685 649 546 581 685 649 649 614
105 2C-2 503 462 523 462 493 482 493 482 606 574 482 514 606 574 574 543
124 2D 569 522 592 522 558 546 558 546 685 649 546 581 685 649 649 614
130 3 404 371 420 371 396 387 396 387 486 461 387 413 486 461 461 436
3A 367 337 382 337 360 352 360 352 442 419 352 375 442 419 419 396
161 6A 312 286 325 286 306 299 306 299 376 356 299 319 376 356 356 337
163 6B 411 377 428 377 403 394 403 394 495 469 394 420 495 469 469 444
164 6C 426 391 443 391 418 408 418 408 513 486 408 435 513 486 486 459
160 8 367 337 382 337 360 352 360 352 442 419 352 375 442 419 419 396
8A 393 361 409 361 385 377 385 377 473 448 377 401 473 448 448 424
115 1AF 312 286 325 286 306 299 306 299 376 356 299 319 376 356 356 337
106 2AF-1 433 398 451 398 425 415 425 415 522 494 415 443 522 494 494 467
107 2AF-2 404 371 420 371 396 387 396 387 486 461 387 413 486 461 461 436
108 2CF-1 411 377 428 377 403 394 403 394 495 469 394 420 495 469 469 444
109 2CF-2 407 374 424 374 400 391 400 391 491 465 391 416 491 465 465 440
128 2DF 404 371 420 371 396 387 396 387 486 461 387 413 486 461 461 436
165 6AF 312 286 325 286 306 299 306 299 376 356 299 319 376 356 356 337
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
FIRST REPRINTING R-7 Effective September 1, 2005
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER PERSONAL INJURY PROTECTION RATES
Individually Owned Automobiles Classified or Rated as Private Passenger Automobiles (Table A)
$2,500 Limit Per Person
Territory 46 47 48 49 51 52 53 54 55 56 57 58 59 60 61 62
Type Class
111 1A $352 $360 $375 $382 $337 $352 $352 $375 $442 $419 $509 $412 $389 $337 $352 $337
113 1B 458 468 488 497 438 458 458 488 575 545 662 536 506 438 458 438
114 1C 408 418 435 443 391 408 408 435 513 486 590 478 451 391 408 391
102 2A-1 524 536 559 569 502 524 524 559 659 624 758 614 580 502 524 502
103 2A-2 500 511 533 542 479 500 500 533 628 595 723 585 552 479 500 479
104 2C-1 546 558 581 592 522 546 546 581 685 649 789 639 603 522 546 522
105 2C-2 482 493 514 523 462 482 482 514 606 574 697 564 533 462 482 462
124 2D 546 558 581 592 522 546 546 581 685 649 789 639 603 522 546 522
130 3 387 396 413 420 371 387 387 413 486 461 560 453 428 371 387 371
3A 352 360 375 382 337 352 352 375 442 419 509 412 389 337 352 337
161 6A 299 306 319 325 286 299 299 319 376 356 433 350 331 286 299 286
163 6B 394 403 420 428 377 394 394 420 495 469 570 461 436 377 394 377
164 6C 408 418 435 443 391 408 408 435 513 486 590 478 451 391 408 391
160 8 352 360 375 382 337 352 352 375 442 419 509 412 389 337 352 337
8A 377 385 401 409 361 377 377 401 473 448 545 441 416 361 377 361
115 1AF 299 306 319 325 286 299 299 319 376 356 433 350 331 286 299 286
106 2AF-1 415 425 443 451 398 415 415 443 522 494 601 486 459 398 415 398
107 2AF-2 387 396 413 420 371 387 387 413 486 461 560 453 428 371 387 371
108 2CF-1 394 403 420 428 377 394 394 420 495 469 570 461 436 377 394 377
109 2CF-2 391 400 416 424 374 391 391 416 491 465 565 457 432 374 391 374
128 2DF 387 396 413 420 371 387 387 413 486 461 560 453 428 371 387 371
165 6AF 299 306 319 325 286 299 299 319 376 356 433 350 331 286 299 286
Territory 63 64 65 66
Type Class
111 1A $322 $314 $293 $352
113 1B 419 408 381 458
114 1C 374 364 340 408
102 2A-1 480 468 437 524
103 2A-2 457 446 416 500
104 2C-1 499 487 454 546
105 2C-2 441 430 401 482
124 2D 499 487 454 546
130 3 354 345 322 387
3A 322 314 293 352
161 6A 274 267 249 299
163 6B 361 352 328 394
164 6C 374 364 340 408
160 8 322 314 293 352
8A 345 336 314 377
115 1AF 274 267 249 299
106 2AF-1 380 371 346 415
107 2AF-2 354 345 322 387
108 2CF-1 361 352 328 394
109 2CF-2 357 349 325 391
128 2DF 354 345 322 387
165 6AF 274 267 249 299
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
Effective September 1, 2005 R-8 FIRST REPRINTING
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER PERSONAL INJURY PROTECTION RATES
All Other Automobiles Classified or Rated as Private Passenger Automobiles (Table B)
$2,500 Limit Per Person
Territory 01 02 03 04 05 06 07 10 11 12 13 14 16 20 21 22
Type Class
111 1A $380 $413 $356 $319 $319 $331 $433 $299 $267 $319 $306 $286 $286 $286 $369 $299
113 1B 494 537 463 414 414 430 562 389 347 414 398 372 372 372 480 389
114 1C 441 479 413 370 370 384 502 347 310 370 355 332 332 332 428 347
102 2A-1 566 616 531 475 475 493 645 446 398 475 456 427 427 427 550 446
103 2A-2 540 587 506 453 453 470 614 425 379 453 435 407 407 407 524 425
104 2C-1 589 640 552 494 494 513 671 464 414 494 474 444 444 444 572 464
105 2C-2 521 566 488 437 437 453 593 410 366 437 419 392 392 392 505 410
124 2D 589 640 552 494 494 513 671 464 414 494 474 444 444 444 572 464
130 3 418 454 392 351 351 364 476 329 294 351 337 315 315 315 406 329
3A 380 413 356 319 319 331 433 299 267 319 306 286 286 286 369 299
161 6A 323 351 303 271 271 281 368 254 227 271 260 243 243 243 314 254
163 6B 426 463 399 357 357 370 485 335 299 357 343 321 321 321 413 335
164 6C 441 479 413 370 370 384 502 347 310 370 355 332 332 332 428 347
160 8 380 413 356 319 319 331 433 299 267 319 306 286 286 286 369 299
8A 407 442 381 341 341 354 463 320 286 341 327 307 307 307 395 320
115 1AF 323 351 303 271 271 281 368 254 227 271 260 243 243 243 314 254
106 2AF-1 448 487 420 376 376 390 511 353 315 376 361 338 338 338 435 353
107 2AF-2 418 454 392 351 351 364 476 329 294 351 337 315 315 315 406 329
108 2CF-1 426 463 399 357 357 370 485 335 299 357 343 321 321 321 413 335
109 2CF-2 422 459 395 354 354 367 480 332 296 354 340 318 318 318 409 332
128 2DF 418 454 392 351 351 364 476 329 294 351 337 315 315 315 406 329
165 6AF 323 351 303 271 271 281 368 254 227 271 260 243 243 243 314 254
Territory 23 24 27 28 31 32 34 37 38 39 40 41 42 43 44 45
Type Class
111 1A $312 $286 $325 $286 $306 $299 $306 $299 $376 $356 $299 $319 $376 $356 $356 $337
113 1B 406 372 422 372 398 389 398 389 488 463 389 414 488 463 463 438
114 1C 362 332 377 332 355 347 355 347 436 413 347 370 436 413 413 390
102 2A-1 465 427 484 427 456 446 456 446 560 531 446 475 560 531 531 502
103 2A-2 443 407 461 407 435 425 435 425 533 506 425 453 533 506 506 478
104 2C-1 484 444 503 444 474 464 474 464 582 552 464 494 582 552 552 522
105 2C-2 427 392 445 392 419 410 419 410 515 488 410 437 515 488 488 461
124 2D 484 444 503 444 474 464 474 464 582 552 464 494 582 552 552 522
130 3 343 315 357 315 337 329 337 329 413 392 329 351 413 392 392 370
3A 312 286 325 286 306 299 306 299 376 356 299 319 376 356 356 337
161 6A 265 243 276 243 260 254 260 254 319 303 254 271 319 303 303 286
163 6B 349 321 364 321 343 335 343 335 421 399 335 357 421 399 399 377
164 6C 362 332 377 332 355 347 355 347 436 413 347 370 436 413 413 390
160 8 312 286 325 286 306 299 306 299 376 356 299 319 376 356 356 337
8A 334 307 347 307 327 320 327 320 402 381 320 341 402 381 381 360
115 1AF 265 243 276 243 260 254 260 254 319 303 254 271 319 303 303 286
106 2AF-1 368 338 383 338 361 353 361 353 443 420 353 376 443 420 420 397
107 2AF-2 343 315 357 315 337 329 337 329 413 392 329 351 413 392 392 370
108 2CF-1 349 321 364 321 343 335 343 335 421 399 335 357 421 399 399 377
109 2CF-2 346 318 360 318 340 332 340 332 417 395 332 354 417 395 395 374
128 2DF 343 315 357 315 337 329 337 329 413 392 329 351 413 392 392 370
165 6AF 265 243 276 243 260 254 260 254 319 303 254 271 319 303 303 286
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
FIRST REPRINTING R-9 Effective September 1, 2005
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER PERSONAL INJURY PROTECTION RATES
All Other Automobiles Classified or Rated as Private Passenger Automobiles (Table B)
$2,500 Limit Per Person
Territory 46 47 48 49 51 52 53 54 55 56 57 58 59 60 61 62
Type Class
111 1A $299 $306 $319 $325 $286 $299 $299 $319 $376 $356 $433 $350 $331 $286 $299 $286
113 1B 389 398 414 422 372 389 389 414 488 463 562 455 430 372 389 372
114 1C 347 355 370 377 332 347 347 370 436 413 502 406 384 332 347 332
102 2A-1 446 456 475 484 427 446 446 475 560 531 645 522 493 427 446 427
103 2A-2 425 435 453 461 407 425 425 453 533 506 614 497 470 407 425 407
104 2C-1 464 474 494 503 444 464 464 494 582 552 671 543 513 444 464 444
105 2C-2 410 419 437 445 392 410 410 437 515 488 593 480 453 392 410 392
124 2D 464 474 494 503 444 464 464 494 582 552 671 543 513 444 464 444
130 3 329 337 351 357 315 329 329 351 413 392 476 385 364 315 329 315
3A 299 306 319 325 286 299 299 319 376 356 433 350 331 286 299 286
161 6A 254 260 271 276 243 254 254 271 319 303 368 298 281 243 254 243
163 6B 335 343 357 364 321 335 335 357 421 399 485 392 370 321 335 321
164 6C 347 355 370 377 332 347 347 370 436 413 502 406 384 332 347 332
160 8 299 306 319 325 286 299 299 319 376 356 433 350 331 286 299 286
8A 320 327 341 347 307 320 320 341 402 381 463 375 354 307 320 307
115 1AF 254 260 271 276 243 254 254 271 319 303 368 298 281 243 254 243
106 2AF-1 353 361 376 383 338 353 353 376 443 420 511 413 390 338 353 338
107 2AF-2 329 337 351 357 315 329 329 351 413 392 476 385 364 315 329 315
108 2CF-1 335 343 357 364 321 335 335 357 421 399 485 392 370 321 335 321
109 2CF-2 332 340 354 360 318 332 332 354 417 395 480 389 367 318 332 318
128 2DF 329 337 351 357 315 329 329 351 413 392 476 385 364 315 329 315
165 6AF 254 260 271 276 243 254 254 271 319 303 368 298 281 243 254 243
Territory 63 64 65 66
Type Class
111 1A $274 $267 $249 $299
113 1B 356 347 324 389
114 1C 317 310 289 347
102 2A-1 408 398 371 446
103 2A-2 389 379 354 425
104 2C-1 424 414 386 464
105 2C-2 375 366 341 410
124 2D 424 414 386 464
130 3 301 294 274 329
3A 274 267 249 299
161 6A 233 227 212 254
163 6B 307 299 279 335
164 6C 317 310 289 347
160 8 274 267 249 299
8A 293 286 266 320
115 1AF 233 227 212 254
106 2AF-1 323 315 294 353
107 2AF-2 301 294 274 329
108 2CF-1 307 299 279 335
109 2CF-2 304 296 276 332
128 2DF 301 294 274 329
165 6AF 233 227 212 254
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PRIVATE PASSENGER RATES
Effective September 1, 2005 R-10 FIRST REPRINTING
COPYRIGHT – TAIPA - 2004
PRIVATE PASSENGER UNINSURED/UNDERINSURED MOTORISTS COVERAGE RATES
20/40 Bodily Injury
Territories 01, 02, 03, 04, 05,
06, 07, 12, 21, 22 All Other
$15,000
Property Damage
$121 $83 $86
Note: Add $1 for the first auto or dealer's plate for an individual or husband and wife and for each designated person.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING C-1 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
COMMERCIAL AUTO CHAPTER
TRUCKS, TRACTORS AND TRAILERS SUBCHAPTER
Rule 50. ELIGIBILITY
This Subchapter applies to all trucks, including utility type
autos, truck-tractors, trailers and semi-trailers including an
auto hired, loaned, leased or furnished for 1 year or more: if
the insured is providing the primary insurance covering the
auto, rate as though owned by the insured.
The following exceptions apply:
A. Autos used for public transportation. Refer to the Public
Transportation Subchapter.
B. Autos leased or rented to others by leasing or rental
concerns—Refer to the Leasing Or Rental Concerns
rule (Rule 78).
C. Utility type autos owned by a farm partnership or farm
corporation and used for farming or ranching and not
customarily used for other business. Refer to the
private passenger Definitions rule (Rule 30).
D. Utility type autos that are:
1. Described in the private passenger Definitions rule
(Rule 30); and
2. Not used for the delivery or transportation of goods,
materials or supplies other than samples, unless
the delivery of goods, materials and supplies is;
a. Not the primary usage of the auto; or
b. For farming or ranching.
Refer to the Private Passenger Chapter.
E. An auto that is a utility type used in the business of the
United States Government, by an employee of the
government, may be rated as a private passenger auto
if:
1. It is described in the private passenger Definitions
rule (Rule 30); and
2. Not customarily used in any other occupation,
profession or business of the insured other than
farming or ranching, and
ⓔ 3. Coverage is limited in accordance with the Federal
Employees Using Autos in Government Business
Endorsement.
Refer to the Private Passenger Chapter.
F. Refer to the Special Types And Operations Subchapter
for rules applicable to:
1. Ambulance Services
2. Fire Departments
3. Funeral directors
4. Law Enforcement Agencies
5. Special or Mobile Equipment including mobile
health units.
Note: Utility type means autos (with a G.V.W. of 25,000
lbs. or less) of the pick-up body, van type and multi-use
type, which include Jeeps, Blazers, Rancheros,
Broncos, and other similar autos.
Rule 51. PREMIUM DEVELOPMENT—OTHER
THAN ZONE RATED AUTOS
A. This Rule applies to:
1. All light trucks and trailers used with light trucks.
2. All other trucks, tractors and trailers that regularly
operate within a 200-mile radius from the street
address of principal garaging. For autos regularly
operating beyond a 200-mile radius, refer to the
Premium Development—Zone Rated Autos rule
(Rule 52).
B. Determine the classification rating factor and class code
as follows:
1. Determine whether the risk is classified as fleet or
non-fleet according to the Trucks, Tractors And
Trailers Classifications rule (Rule 53).
2. Determine the primary rating factor from the trucks,
tractors and trailers classifications rule (Rule 53)
based on size class, business use class and radius
class.
3. Determine the secondary rating factor, if any, from
the trucks, tractors and trailers classifications rule
(Rule 53) based on the special industry
classifications.
4. Determine the combined rating factor by adding the
secondary rating factor to, or subtracting it from,
the primary rating factor.
5. For trailers used with light trucks that regularly
operate beyond a 200-mile radius, use the rating
factor for the intermediate rating class.
C. Premium Development
1. Determine the territory from the territory definitions
based on the street address of principal garaging.
2. Liability coverages
a. Determine the fleet or non-fleet base
premiums from the liability base premium
shown on the rate page.
b. Multiply the base premium by the combined
rating factor.
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
3. Personal injury protection
a. Refer to the Truck, Tractor, Trailer Rate
Section.
b. Primary and secondary rating factors do not
apply.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-2 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
4. Uninsured/underinsured motorists coverage
a. Refer to the Uninsured/Underinsured Motorists
Coverage rule (Rule 7).
b. Primary and secondary factors do not apply.
D. Refer to the special provisions in the Truck, Tractors
and Trailers Classifications rule (Rule 53) for
applicability.
E. Refer to Individual as the Named Insured rule (Rule 12)
if applicable.
F. If a financial responsibility filing is required, refer to
Certified Risks-Financial Responsibility Laws rule (Rule
10).
Rule 52. PREMIUM DEVELOPMENT—ZONE
RATED AUTOS
A. Except for light trucks and trailers used with light trucks,
this Rule applies to trucks, tractors and trailers regularly
operated beyond a 200-mile radius from the street
address of principal garaging.
B. Determine the zone or zone combination and code for
each auto as follows:
1. When an auto is principally garaged in a regional
zone and operates from terminals in that zone and
in one or more metropolitan zones, the zone
combination is the regional zone and the
metropolitan zone farthest away.
2. In all other situations, the zone combination is the
zone of principal garaging and the zone of the
terminal (included in the auto's operations) farthest
from that point.
3. A terminal is any point at which an auto regularly
loads or unloads. It is not limited to a terminal
facility that the insured owns and operates.
4. The zone-rating table that applies is that table for
the zone in which the place of principal garaging is
located.
Example:
A truck garaged in Dallas, Texas takes zone-rating
table 09. The zone for the farthest terminal is selected
from those listed in zone rating table 09, as determined
by the application of paragraphs 1, 2, and 3 above, and
reference to the long distance zone map.
C. Premium Development
1. Determine the classification rating factor and class
code as follows:
a. Determine whether the auto is classified as
fleet or non-fleet according to the Trucks,
Tractors and Trailers Classifications rule (Rule
53).
b. Determine the primary rating factor from the
Trucks, Tractors and Trailers Classifications
rule (Rule 53).
c. Determine the secondary classifications code
from the Trucks, Tractors and Trailers
Classifications rule (Rule 53).
2. Liability coverages
a. Determine the liability base premiums for the
zone combination from the zone-rating table.
b. Multiply the base premium by the zone-rating
factor from the primary classification table in
the Trucks, Tractors and Trailers Classification
rule (Rule 53).
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
3. Personal injury protection coverage
a. Trucks, tractors and trailers—Refer to the
Truck, Tractor, Trailer Rate Section, using
basic limits bodily injury premium determined
in C.2.
b. Primary and secondary rating factors do not
apply.
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
4. Uninsured/underinsured motorists coverage
a. Primary and secondary rating factors do not
apply.
b. Refer to the Uninsured/Underinsured Motorists
Coverage rule (Rule 7).
D. Refer to the special provisions in the Trucks, Tractors
and Trailers Classifications rule (Rule 53) for
applicability.
E.
Long Distance Zone Definitions:
Metropolitan Zones
01 ATLANTA Zone includes Clayton and Cobb
Counties and Atlanta, Georgia territories.
02 BALTIMORE-WASHINGTON Zone includes
Baltimore, Baltimore Suburban and Outer
Suburban, Montgomery County Suburban and
Outer Suburban, and Prince Georges County
Suburban and Outer Suburban, Maryland
territories; the entire District of Columbia and
Alexandria City, Arlington, Falls Church City and
Arlington-Alexandria Suburban, Virginia territories.
03 BOSTON Zone includes all of Essex, Middlesex,
Norfolk and Suffolk, Massachusetts Counties.
04 BUFFALO Zone includes Erie County (Balance),
Buffalo, Buffalo Semi-Suburban, Buffalo Suburban,
Niagara Falls and Niagara Falls Suburban, New
York territories.
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ORIGINAL PRINTING C-3 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
05 CHARLOTTE Zone includes Charlotte and all of
Mecklenburg County, North Carolina territories.
06 CHICAGO Zone includes all of Cook and Du Page
County territories, Lake County (Balance),
Waukegan—North Chicago and all Chicago, Illinois
territories; and East Chicago, Indiana territory.
07 CINCINNATI Zone includes Cincinnati, Dayton and
Hamilton-Middletown, Ohio, and Covington-
Newport, Kentucky territories.
08 CLEVELAND Zone includes all of Geauga, Lorain
and Medina County territories, Portage County
(excluding the village of Mogadore), all Cleveland
and Painesville, Ohio territories.
09 DALLAS-FORT WORTH Zone includes all of
Dallas and Tarrant, Texas Counties.
10 DENVER Zone includes Denver and North Central,
Colorado territories.
11 DETROIT Zone includes all Detroit, Dearborn and
Pontiac, Michigan territories.
12 HARTFORD Zone includes all of Hartford and New
Haven Counties, and Bridgeport and Fairfield-
Stratford Connecticut territories.
13 HOUSTON Zone includes all of Chambers,
Galveston and Harris, Texas Counties.
14 INDIANAPOLIS Zone includes all of Marian
County, Indiana territory.
15 JACKSONVILLE Zone includes all of Jacksonville,
Florida territory.
16 KANSAS CITY Zone includes all of Kansas City,
Kansas and Independence and all Kansas City,
Missouri territories.
17 LITTLE ROCK Zone includes all of Pulaski County,
Arkansas territory.
18 LOS ANGELES Zone includes all of Los Angeles
and Orange Counties and also Riverside and San
Bernardino, California territories.
19 LOUISVILLE Zone includes all of Jefferson County,
Kentucky and New Albany and Jeffersonville,
Indiana territories.
20 MEMPHIS Zone includes all of Shelby County,
Tennessee territory.
21 MIAMI Zone includes Miami and Miami Beach,
Florida territories.
22 MILWAUKEE Zone includes Kenosha; Milwaukee
Metropolitan, Semi-Suburban and Suburban and
Racine, Wisconsin territories.
23 MINNEAPOLIS-ST. PAUL Zone includes
Minneapolis Metropolitan and Suburban; and St.
Paul Metropolitan and Suburban, Minnesota
territories.
24 NASHVILLE Zone includes all of Davidson County,
Tennessee territory.
25 NEW ORLEANS Zone includes all of New Orleans,
Louisiana territory.
26 NEW YORK CITY Zone includes all of New York
City, Nassau and Westchester, New York
Counties; all of Bergen, Essex and Hudson
Counties, Elizabeth, New Brunswick, Perth Amboy
and Plainfield, New Jersey territories, and Darien
Greenwich and Stamford, Connecticut territories.
27 OKLAHOMA CITY Zone includes all of Oklahoma
County, Oklahoma territory.
28 OMAHA Zone includes all of Douglas and Sarpi,
Nebraska Counties and Council Bluffs, Iowa
territory.
29 PHOENIX Zone includes Mesa-Tempe and
Phoenix, Arizona territories.
30 PHILADELPHIA Zone includes Bucks County
(Balance), Chester County (Balance), Delaware
(Balance), Montgomery County (Balance),
Allentown-Bethlehem and all Philadelphia,
Pennsylvania territories; Wilmington, Delaware and
Camden, Camden Suburban and Trenton, New
Jersey territories.
31 PITTSBURGH Zone includes all of Allegheny and
Beaver Counties, Pennsylvania territories.
32 PORTLAND Zone includes all of Portland, Portland
Semi-Suburban and Portland Suburban, Oregon
and Vancouver, Washington territories.
33 RICHMOND Zone includes all of Richmond,
Virginia territory.
34 ST. LOUIS Zone includes all of St. Louis County,
Missouri, and East St. Louis, Illinois territories.
35 SALT LAKE CITY Zone includes all of Salt Lake
City County, Utah territory.
36 SAN FRANCISCO Zone includes all of Alameda,
Contra Costa, Marin, San Francisco, San Mateo
and Santa Clara, California Counties.
37 TULSA Zone includes all of Tulsa, Oklahoma
territory.
Regional Zones
40 PACIFIC COAST Zone includes the States of
California (excluding Los Angeles and San
Francisco Zones), Oregon (excluding Portland
Zone) and Washington (excluding Portland Zone).
41 MOUNTAIN Zone includes the States of Arizona
(excluding Phoenix Zone), Colorado (excluding
Denver Zone), Idaho, Montana, Nevada, New
Mexico, Utah (excluding Salt Lake City Zone) and
Wyoming.
42 MIDWEST Zone includes the States of Iowa
(excluding Omaha Zone), Kansas (excluding
Kansas City Zone), Missouri (excluding Kansas
City and St. Louis Zones), Minnesota (excluding
Minneapolis- St. Paul Zone), Nebraska (excluding
Omaha Zone), North Dakota, South Dakota and
Wisconsin (excluding Milwaukee Zone).
43 SOUTHWEST Zone includes the States of
Arkansas (excluding Little Rock Zone), Oklahoma
(excluding Oklahoma City and Tulsa Zone) and
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Effective December 1, 2004 C-4 ORIGINAL PRINTING
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Texas (excluding Dallas-Fort Worth and Houston
Zones).
44 NORTH CENTRAL Zone includes the States of
Illinois (excluding Chicago and St. Louis Zones),
Indiana (excluding Chicago, Indianapolis and
Louisville Zones), Ohio (excluding Cincinnati and
Cleveland Zones) and Michigan (excluding Detroit
Zone).
45 MIDEAST Zone includes the States of Kentucky
(excluding Cincinnati and Louisville Zones),
Tennessee (excluding Memphis and Nashville
Zones) and West Virginia.
46 GULF Zone includes the States of Alabama,
Louisiana (excluding New Orleans Zone) and
Mississippi.
47 SOUTHEAST Zone includes the States of Florida
(excluding Jacksonville and Miami Zones), Georgia
(excluding Atlanta Zone), North Carolina (excluding
Charlotte Zone), South Carolina and Virginia
(excluding Baltimore/Washington and Richmond
Zones).
48 EASTERN Zone includes the States of Delaware
(excluding Philadelphia Zone), Maryland (excluding
Baltimore/Washington Zone), New York (excluding
Buffalo and New York City Zones), New Jersey
(excluding New York City and Philadelphia Zones)
and Pennsylvania (excluding Philadelphia and
Pittsburgh Zones).
49 NEW ENGLAND Zone includes the States of
Connecticut (excluding Hartford and New York City
Zones), Maine, Massachusetts (excluding Boston
Zone), New Hampshire, Rhode Island and
Vermont.
50 ALASKA Zone includes all of the State of Alaska.
Zone Combination Coding
Commercial Statistical Plan (CSP) coding instructions
for zone combinations:
Full Plan—use three digit zone combination code
shown in rating tables.
Example—vehicle garaged in Dallas with terminal in
Atlanta, code 101.
Intermediate Plan—use three digit zone combination
code shown in rating table preceded by state code 42.
Example—vehicle garaged in Dallas with terminal in
Atlanta, code 42101.
F. Refer to Individual as the Named Insured rule (Rule 12)
if applicable.
G. If a financial responsibility filing is required, refer to
Certified Risks-Financial Responsibility Laws rule (Rule
10).
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-5 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-6 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
LIABILITY
TRUCK, TRACTOR, TRAILER ZONE RATING TABLE
$20,000/40,000/15,000
ZONE 09 (Dallas-Ft. Worth) Zone of Principal Garaging
Liab. Liab. Liab. Liab.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
01
Atlanta
101
$1,004
644
13
Houston
113
$806
545
25
New Orleans
125
$853
545
37
Tulsa
137
$776
500
02
Balt.-Wash.
102
1,190
770
14
Indianapolis
114
1,004
644
26
N.Y. City
126
1,270
846
40
Pacific
140
918
585
03
Boston
103
1,270
846
15
Jacksonville
115
1,004
644
27
Okla. City
127
776
500
41
Mountain
141
853
545
04
Buffalo
104
918
585
16
Kansas City
116
1,051
665
28
Omaha
128
899
575
42
Midwest
142
853
545
05
Charlotte
105
1,004
644
17
Little Rock
117
776
500
29
Phoenix
129
853
545
43
Southwest
143
776
500
06
Chicago
106
1,120
711
18
Los Angeles
118
1,120
734
30
Philadelphia
130
1,270
846
44
N. Central
144
873
560
07
Cincinnati
107
1,004
644
19
Louisville
119
971
619
31
Pittsburgh
131
1,155
763
45
Mideast
145
873
560
08
Cleveland
108
1,088
695
20
Memphis
120
1,004
644
32
Portland
132
921
585
46
Gulf
146
853
545
09
Dal.-Ft. Worth
109
776
514
21
Miami
121
1,108
732
33
Richmond
133
1,004
644
47
Southeast
147
873
560
10
Denver
110
918
585
22
Milwaukee
122
968
619
34
St. Louis
134
918
585
48
Eastern
148
873
560
11
Detroit
111
1,120
711
23
Min.-St. Paul
123
968
619
35
Salt Lake C.
135
853
545
49
New England
149
873
560
12
Hartford
112
1,270
846
24
Nashville
124
1,004
644
36
San Francisco
136
1,270
846
50
Alaska
150
918
585
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TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-7 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
LIABILITY
TRUCK, TRACTOR, TRAILER ZONE RATING TABLE
$20,000/40,000/15,000
ZONE 13 (Houston) Zone of Principal Garaging
Liab. Liab. Liab. Liab.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
01
Atlanta
201
$1,031
699
13
Houston
213
$823
535
25
New Orleans
225
$967
661
37
Tulsa
237
$791
535
02
Balt-Wash.
202
1,214
815
14
Indianapolis
214
1,031
699
26
N.Y. City
226
1,296
852
40
Pacific
240
1,157
787
03
Boston
203
1,296
852
15
Jacksonville
215
1,031
699
27
Okla. City
227
791
535
41
Mountain
241
967
661
04
Buffalo
204
1,154
781
16
Kansas City
216
1,105
749
28
Omaha
228
967
661
42
Midwest
242
967
661
05
Charlotte
205
1,031
699
17
Little Rock
217
791
535
29
Phoenix
229
967
661
43
Southwest
243
791
535
06
Chicago
206
1,154
781
18
Los Angeles
218
1,154
781
30
Philadelphia
230
1,296
852
44
N. Central
244
1,031
699
07
Cincinnati
207
1,031
699
19
Louisville
219
1,031
699
31
Pittsburgh
231
1,177
781
45
Mideast
245
1,031
699
08
Cleveland
208
1,110
749
20
Memphis
220
1,031
699
32
Portland
232
1,031
699
46
Gulf
246
967
661
09
Dal.-Ft. Worth
209
791
535
21
Miami
221
1,129
747
33
Richmond
233
1,031
699
47
Southeast
247
1,031
699
10
Denver
210
967
661
22
Milwaukee
222
987
667
34
St. Louis
234
1,146
781
48
Eastern
248
1,098
747
11
Detroit
211
1,146
781
23
Min.-St. Paul
223
987
667
35
Salt Lake C.
235
967
661
49
New England
249
1,098
747
12
Hartford
212
1,296
852
24
Nashville
224
1,031
699
36
San Francisco
236
1,296
852
50
Alaska
250
1,157
787
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-8 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
LIABILITY
TRUCK, TRACTOR, TRAILER ZONE RATING TABLE
$20,000/40,000/15,000
ZONE 43 (Remainder of Texas) Zone of Principal Garaging
Liab. Liab. Liab. Liab.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
01
Atlanta
901
$1,206
790
13
Houston
913
$1,086
697
25
New Orleans
925
$948
621
37
Tulsa
937
$697
455
02
Balt.-Wash.
902
1,472
964
14
Indianapolis
914
1,032
674
26
N.Y. City
926
1,635
1,072
40
Pacific
940
877
571
03
Boston
903
1,635
1,072
15
Jacksonville
915
1,206
790
27
Okla. City
927
697
455
41
Mountain
941
747
494
04
Buffalo
904
1,069
697
16
Kansas City
916
1,077
708
28
Omaha
928
1,077
706
42
Midwest
942
747
494
05
Charlotte
905
1,032
674
17
Little Rock
917
697
455
29
Phoenix
929
881
581
43
Southwest
943
697
455
06
Chicago
906
1,264
833
18
Los Angeles
918
1,463
937
30
Philadelphia
930
1,635
1,072
44
N. Central
944
765
504
07
Cincinnati
907
948
621
19
Louisville
919
1,122
734
31
Pittsburgh
931
1,172
773
45
Mideast
945
809
535
08
Cleveland
908
1,077
708
20
Memphis
920
948
621
32
Portland
932
948
617
46
Gulf
946
812
536
09
Dal.-Ft. Worth
909
1,018
658
21
Miami
921
1,386
911
33
Richmond
933
1,032
674
47
Southeast
947
859
566
10
Denver
910
913
598
22
Milwaukee
922
948
621
34
St .Louis
934
1,135
746
48
Eastern
948
859
566
11
Detroit
911
1,135
746
23
Min.-St. Paul
923
948
621
35
Salt Lake C.
935
881
581
49
New England
949
859
566
12
Hartford
912
1,635
1,072
24
Nashville
924
948
621
36
San Francisco
936
1,635
1,072
50
Alaska
950
877
571
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-9 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
Rule 53. TRUCKS, TRACTORS AND TRAILERS
CLASSIFICATIONS
A. Fleet—Non-fleet Classifications
1. Classify as fleet the autos of any risk that has five
or more self-propelled autos of any type that are
under one ownership.
2. Do not include mobile equipment insured on a
General Liability Policy in determining if the risk is a
fleet.
3. Do not include trailers in determining if the risk is a
fleet, but apply the fleet classification to the trailers
if the risk otherwise is classified as a fleet.
4. Classify the autos of any other risk as non-fleet.
5. Do not change the fleet or non-fleet classification
because of mid term changes in the number of
owned autos except at the request of the insured,
in which case the policy must be cancelled and
rewritten in accordance with the Changes rule
(Rule 4).
B. Primary Classifications
1. Gross vehicle weight (G.V.W.) and gross
combination weight (G.C.W.) mean:
a. G.V.W.—The maximum loaded weight for
which a single auto is designed, as specified
by the manufacturer.
b. G.C.W.—The maximum loaded weight for a
combination truck-tractor and semi-trailer or
trailer for which the truck-tractor is designed,
as specified by the manufacturer.
2. Size class
a. Light trucks—trucks that have a gross vehicle
weight (G.V.W.) of 10,000 pounds or less.
b. Medium trucks—
(1) Trucks that have a gross vehicle weight
(G.V.W.) of 10,001–20,000 pounds.
(2) Include crawler type trucks in this class.
c. Heavy trucks—trucks that have a gross vehicle
weight (G.V.W.) of 20,001–45,000 pounds.
d. Extra-heavy trucks—trucks that have a gross
vehicle weight (G.V.W.) over 45,000 pounds.
e. Truck-tractors—a truck-tractor is a motorized
auto with or without body for carrying
commodities or materials, equipped with a fifth
wheel coupling device for semi-trailers.
(1) Heavy truck-tractors—truck-tractors that
have a gross combination weight (G.C.W.)
of 45,000 pounds or less.
(2) Extra-heavy truck-tractors-truck—tractors
that have a gross combination weight
(G.C.W.) over 45,000 pounds.
f. Semi-trailers—a semi-trailer is a trailer
equipped with a fifth wheel coupling device for
use with a truck-tractor, with a load capacity
over 2,000 pounds. This includes bogies used
to convert containers into semi-trailers.
g. Trailers—any trailer with a load capacity over
2,000 pounds, other than a semi-trailer.
h. Service or utility trailer—any trailer or semi-
trailer with a load capacity of 2,000 pounds or
less.
i. If a bus is to be rated as a truck, determine the
size class from the seating capacity as follows:
Seating Capacity Size Class
1–8 Light
9–20 Medium
21–60 Heavy
over 60 Extra Heavy
3. Business use classes—If an auto has more than
one use, use the highest rated classification unless
80% or more of the use is in a lower rated activity.
In that case, use the lower rated classification.
However, if there is a change in actual use of the
auto during the policy period the classification shall
be amended accordingly.
a. Service use—includes
(1) Autos used for transporting the insured’s
personnel, tools, equipment and incidental
supplies to or from a job location; or
(2) Autos used primarily in connection with an
insured’s own farming or ranching
operations; or
Note: (1) and (2) above are confined to
autos principally parked at job
locations for the majority of the
working day.
(3) Autos used to transport supervisory
personnel between job locations; or
(4) Autos driven by salesmen or driven
principally to and from work or used for
pleasure.
This classification applies to autos that have
reduced exposure because their use is closely
associated with the installation or service of
appliances, fixtures, equipment, and other
products. It includes autos used by artisan-
type risks, such as carpenters, plumbers, and
contractors, other than those eligible for
Personal Auto Policy coverage. The delivery
of a product to be installed or that has been
repaired does not disqualify the auto from this
classification.
b. Retail use—autos used to pick up property
from, or deliver property to individual
households.
Deliveries of heating fuel, milk, groceries,
drugs, and laundry are examples of the
exposures in this classification. This class
also includes parcel post and mail delivery
where deliveries are only to private
households.
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Effective December 1, 2004 C-10 ORIGINAL PRINTING
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c. Commercial use—Truckers and autos used for
transporting property other than those autos
defined as service or retail.
4. Radius class—determine radius on a straight line
from the street of principal garaging.
a. Local—up to 50 miles—The auto is not
regularly operated beyond a radius of 50 miles
from the street address where such auto is
principally garaged.
b. Intermediate—51 to 200 miles—The auto is
operated beyond a radius of 50 miles but not
regularly beyond a radius of 200 miles from
the street address where such auto is
principally garaged.
c. Long Distance—over 200 miles—The auto is
operated regularly beyond a 200-mile radius
from the street address where such auto is
principally garaged. Apply zone rates for other
than light trucks.
5. Primary classifications—Refer to the Fleet, Non-
fleet Primary Classifications tables.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-11 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
NON-FLEET PRIMARY CLASSIFICATION—PRIMARY RATING FACTORS AND STATISTICAL CODES
Radius Class
Size Class
Business Use
Class
Local Up to 50
Miles
Intermediate 51 to
200 Miles
Long Distance Over 200
Miles
Service Factor
Code
1.00
011...
1.10
012...
1.47
013...
Retail Factor
Code
1.43
021...
2.08
022...
1.89
023...
Light Trucks (0–10,000
Ibs. G.V.W.)
Commercial Factor
Code
1.31
031...
1.35
032...
2.07
033...
ZONE RATED
Service Factor
Code
.93
211...
1.23
212...
.95
213...
Retail Factor
Code
1.19
221...
1.58
222...
.95
223...
Medium Trucks
(10,001–20,000 Ibs.
G.V.W.)
Commercial Factor
Code
1.10
231...
1.67
232...
.95
233...
Service Factor
Code
.83
311...
1.40
312...
1.00
313...
Retail Factor
Code
1.59
321...
2.69
322...
1.00
323...
Heavy Trucks (20,001–
45,000 Ibs. G.V.W.)
Commercial Factor
Code
1.34
331...
3.24
332...
1.00
333...
Extra-Heavy Trucks (Over 45,000 Ibs.
G.V.W.)
Factor
Code
1.72
401...
2.50
402...
1.10
403...
Service Factor
Code
1.45
341...
1.87
342...
1.00
343...
Retail Factor
Code
2.01
351...
2.83
352...
1.00
353...
Heavy Truck–Tractors
(0–45,000 Ibs. G.C.W.)
Commercial Factor
Code
1.43
361...
2.12
362...
1.00
363...
Extra-Heavy Truck-Tractors (Over
45,000 Ibs. G.C.W.)
Factor
Code
2.00
501...
2.76
502...
1.10
503...
TRAILER TYPES
Semi-trailers Factor
Code
.14
671...
.25
672...
.15
673...
Trailers Factor
Code
.14
681...
.22
682...
.15
683...
Service or Utility Trailer (0-2,000 Ibs.
Load capacity)
Factor
Code
0.00
691...
0.00
692...
0.00
693...
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-12 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
FLEET PRIMARY CLASSIFICATION—PRIMARY RATING FACTORS AND STATISTICAL CODES
Radius Class
Size Class
Business Use
Class
Local Up to 50
Miles
Intermediate 51 to
200 Miles
Long Distance Over 200
Miles
Service Factor
Code
1.00
014...
1.10
015...
1.47
016...
Retail Factor
Code
1.43
024...
2.08
025...
1.89
026...
Light Trucks (0–10,000
Ibs. G.V.W.)
Commercial Factor
Code
1.31
034...
1.35
035...
2.07
036...
ZONE RATED
Service Factor
Code
.93
214...
1.23
215...
.95
216...
Retail Factor
Code
1.19
224...
1.58
225...
.95
226...
Medium Trucks
(10,001–20,000 Ibs.
G.V.W.)
Commercial Factor
Code
1.10
234...
1.67
235...
.95
236...
Service Factor
Code
.83
314...
1.40
315...
1.00
316...
Retail Factor
Code
1.59
324...
2.69
325...
1.00
326...
Heavy Trucks (20,001–
45,000 Ibs. G.V.W.)
Commercial Factor
Code
1.34
334...
3.24
335...
1.00
336...
Extra-Heavy Trucks (Over 45,000 Ibs.
G.V.W.)
Factor
Code
1.72
404...
2.50
405...
1.10
406...
Service Factor
Code
1.45
344...
1.87
345...
1.00
346...
Retail Factor
Code
2.01
354...
2.83
355...
1.00
356...
Heavy Truck–Tractors
(0–45,000 Ibs. G.C.W.)
Commercial Factor
Code
1.43
364...
2.12
365...
1.00
366...
Extra-Heavy Truck-Tractors (Over
45,000 Ibs. G.C.W.)
Factor
Code
2.00
504...
2.76
505...
1.10
506...
TRAILER TYPES
Semi-trailers Factor
Code
.14
674...
.25
675...
.15
676...
Trailers Factor
Code
.14
684...
.22
685...
.15
686...
Service or Utility Trailer (0-2,000 Ibs.
Load capacity)
Factor
Code
0.00
694...
0.00
695...
0.00
696...
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-13 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
C. Secondary classification—Special industry classes.
Refer to the Secondary Classification tables.
If an auto has more than one use, use the highest rated
classification unless 80% or more of the use is in a
lower rated activity. In that case, use the lower rated
classification.
However, if there is a change in actual use of the auto
during the policy period the classification shall be
amended accordingly.
Secondary Factor to be
combined with primary factor
Classification
Trailer
types,
light
trucks,
zone
rated
autos
All
Other
Autos
Code to be
inserted in 4th
& 5th digit of
classification
code
Liquefied Petroleum Gases—
Autos used to transport
liquefied petroleum gases
(including truckers). 0.00 +1.50 01
Manufacturers—Autos used
to transport raw materials
and finished or unfinished
goods manufactured,
processed or constructed by
the insured, except food
manufacturers.
a. Chemical
manufacturers—Those
insureds manufacturing
flammable explosive,
corrosive or poisonous
chemicals. 0.00 +0.40 11
b. Furniture
manufacturers—Those
insureds manufacturing
household or office
furniture and heavy
appliances such as
refrigerators, stoves and
televisions. 0.00 +0.40 12
c. Garment
manufacturers—Those
insureds involved in the
wholesale
manufacturing of outer
garments, such as
dresses, coats and
suits.
0.00 +0.40 13
d. Machinery
manufacturers—Those
insureds manufacturing
machinery used for
industrial purposes. 0.00 +0.40 14
e. Metal manufacturers—
Those insureds
manufacturing metal
products for industrial or
construction utilization,
other than structural iron
or steel.
0.00 +0.40 15
f. Structural iron or steel
manufacturers
0.00 +0.40 16
g. All other manufacturers
not otherwise classified. 0.00 +0.40 19
Secondary Factor to be
combined with primary factor
Classification
Trailer
types,
light
trucks,
zone
rated
autos
All
Other
Autos
Code to be
inserted in 4th
& 5th digit of
classification
code
Truckers—Autos used to
haul or transport goods,
materials or commodities for
another, other than autos
used in moving operations.
{Also see Truckers rule (Rule
54).}
a. Common carriers—
Regular Route
Local 0.00 +1.50 21
Intermediate 0.00 +1.50 21
Long Distance 0.00 0.00 21
b. Contract carriers (other
than chemical or iron
and steel haulers)
Local 0.00 +1.50 22
Intermediate 0.00 +1.50 22
Long Distance 0.00 0.00 22
c. Contract carriers
hauling chemicals
Local 0.00 +1.50 23
Intermediate 0.00 +1.50 23
Long Distance 0.00 0.00 23
d. Contract carriers
hauling iron and steel
Local 0.00 +1.50 24
Intermediate 0.00 +1.50 24
Long Distance 0.00 0.00 24
e. Exempt carriers (other
than livestock haulers)
Local 0.00 +1.50 25
Intermediate 0.00 +1.50 25
Long Distance 0.00 0.00 25
f. Exempt carriers hauling
livestock
Local 0.00 +1.50 26
Intermediate 0.00 +1.50 26
Long Distance 0.00 0.00 26
g. Carrier’s autos hauling
explosives
Local 0.00 +2.25 27
Intermediate 0.00 +2.25 27
Long Distance 0.00 0.00 27
h. Common carrier—
irregular route common
carriers and specialized
carriers
Local 0.00 +1.50 28
Intermediate 0.00 +1.50 28
Long Distance 0.00 0.00 28
i. All Other
Local 0.00 +1.50 29
Intermediate 0.00 +1.50 29
Long Distance 0.00 0.00 29
Food delivery—Autos used
by food manufacturers to
transport raw and finished
products or used in
wholesale distribution of
food.
a. Canneries and packing
plants
0.00 +0.20 31
b. Fish and seafood 0.00 +0.20 32
c. Frozen food 0.00 +0.20 33
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-14 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
Secondary Factor to be
combined with primary factor
Classification
Trailer
types,
light
trucks,
zone
rated
autos
All
Other
Autos
Code to be
inserted in 4th
& 5th digit of
classification
code
d. Fruit and vegetable 0.00 +0.20 34
e. Meat or poultry 0.00 +0.20 35
f. All other food delivery 0.00 +0.20 39
Secondary Factor to be
combined with primary factor
Classification
Trailer
types,
light
service
trucks,
zone
rated
autos
All
Other
Autos
Code to be
inserted in 4th
& 5th digit of
classification
code
Specialized delivery—Autos
used in deliveries subject to
time and similar constraints.
a. Armored cars 0.00 +0.45 41
b. Film delivery 0.00 +0.45 42
c. Magazines or
newspapers 0.00 +0.45 43
d. Mail and parcel post 0.00 +0.45 44
e. All other 0.00 +0.45 49
Waste disposal—Autos
transporting salvage and
waste material for disposal or
resale.
a. Auto dismantlers 0.00 +0.40 51
b. Building wrecking
operators 0.00 +0.40 52
c. Garbage & Ash
Removal
0.00 +1.50 53
d. Junk dealers 0.00 +0.40 54
e. All other 0.00 +0.40 59
Secondary Factor to be combined
with primary factor
Classification
Trailer
types
and
zone
rated
autos
All
Other
Autos
Code to be
inserted in 4th
& 5th digit of
classification
code
Farmers—Autos owned by
a farmer, used in
connection with the
operation of his or her own
farm and occasionally
used to haul commodities
for other farmers. {Also
see the special provision
for Farm trailers in the
Trucks, Tractor and
Trailers Classification rule
(Rule 53)}
a. Individually owned or
farm corp. (other than
livestock hauling)—
autos not subject to
rating in the Private
Passenger Section. 0.00 -0.65 61
b. Livestock hauling 0.00 -0.65 62
c. All other 0.00 -0.65 69
Secondary Factor to be combined
with primary factor
Classification
Light
service
trucks,
service
or utility
trailers,
zone
rated
autos
All
Other
Auto
Liability
Code to be
inserted in 4th
& 5th digit of
classification
code
Dump and transit mix
trucks and trailers (not
truckers)
*a. Excavating 0.00 0.00 71
*b. Sand and gravel
(other than quarrying) 0.00 +0.50 72
*c. Mining 0.00 0.00 73
*d. Quarrying 0.00 0.00 74
*e. All other 0.00 0.00 79
*Use factor and codes only when no other secondary
classifications apply
Contractors (other than
dump trucks)
a. Building—commercial 0.00 0.00 81
b. Building—private
dwelling
0.00 0.00 82
c. Electrical, plumbing,
masonry, plastering
and other repair or
service 0.00 0.00 83
d. Excavating 0.00 0.00 84
e. Street and road 0.00 0.00 85
f. Contractor’s autos
hauling explosives 0.00 +0.50 86
g. All other 0.00 0.00 89
Not otherwise specified
a. Logging and
Lumbering
0.00 +1.50 91
b. Autos hauling
explosives (not
specified above) 0.00 +0.50 92
c. All other, including
moving vans 0.00 0.00 99
D. Special Provisions for certain risks
1. Truckers—If the business of the insured involves ⓔ
transporting materials or commodities for another,
the Truckers rule (Rule 54) applies.
2. Transporters of liquid products—A policy that ⓔ
covers an auto used for the bulk transportation of
liquid products must exclude accidents resulting
from the erroneous delivery of one liquid product
for another, or the delivery of any liquid product into
the wrong receptacle if the accident occurs after
the operations have been completed.
3. Amusement devices—Amusement devices ⓔ
mounted on commercial autos (Class Code
7905)—A policy written to cover a commercial auto
on which an amusement device has been mounted
shall be endorsed to limit coverage to the operation
of the commercial auto only.
4. Rolling stores—A policy that covers autos ⓔ
equipped as a rolling store must exclude product
liability.
5. Trailers and semi-trailers used as ⓔ
showrooms.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-15 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
a. Liability coverage may be provided for trailers
or semi-trailers used as showrooms or
salesrooms. The policy must exclude product
liability.
Multiply the trailer or semi-trailer rating factor
by 2.00.
b. Personal injury protection
Multiply the personal injury protection premium
for a class 3 private passenger auto for the
territory in which the risk is located by 3.00.
Refer to the Private Passenger Chapter.
ⓔ 6. Liquefied petroleum gas dealers, distributors,
producers or refiners—Policies covering autos
operated by LPG licensees must be endorsed with
the appropriate LPG Railroad Commission form.
ⓔ 7. Tank trailers not exceeding 1,000 water gallons
capacity and dry fertilizer trailers having a load
capacity of not more than 2,000 pounds owned by
an anhydrous ammonia, liquefied petroleum gas or
dry fertilizer dealer may be insured to cover only
the named owner while such trailers are loaned or
rented, including calling for and delivering to
customers.
The premiums determined by this Rule are non-
refundable minimum premiums for the policy
period per trailer.
Bodily Injury Property Damage
$20/$40 $15,000
$3 $1
ⓔ 8. Specially constructed trailers or semi-trailers,
operated by a cotton gin, when attached to a
commercial auto, and used to transport field picked
cotton from field to cotton gin shall be rated as
follows:
a. If used for other hauling purposes during the
policy term, such trailers shall be classified
and rated in accordance with the applicable
manual rule.
b. Otherwise the premiums determined by this
Rule are non-refundable minimum premiums
for the policy period.
Bodily Injury Property Damage
$20/$40 $15,000
$3 $1
9. Office and supply trailers
a. Coverage for the office and supply trailers and
semi-trailers used by a construction contractor
shall be insured without additional charge
while such trailer or semi-trailer is hauled or
towed by any auto insured by the company.
b. Personal injury protection
Multiply the Class 3 personal injury protection
premium by 3.00. Use the territory in which
the risk is located.
ⓔ 10. Farm trailers—The liability coverage on a policy that
covers autos owned by a farmer or rancher shall extend, by
endorsement without charge or description, to any trailer
being pulled by a covered auto while being used for farming
or ranching purposes or any trailer principally used for farm
or ranch purposes while being pulled by any covered auto.
However, this coverage is not extended for loss in
connection with any truck-tractor and commercial semi-
trailer, any office, store, display or passenger trailer, to the
operation of farm machinery, or any trailer while hauling for
hire or any commercial purposes other than farming or
ranching unless these autos are described on the policy.
11. Mobile health units—The policy must exclude ⓔ
coverage for bodily injury or property damage that
results from providing or failing to provide any
professional service.
12. Trailers—The liability coverage on a policy shall
extend without charge or description for a trailer
designed for use with and being pulled by a
covered private passenger auto or utility type auto
if the trailer is not customarily used for business
purposes with another type auto.
Rule 54. TRUCKERS
A. Definition of a trucker
1. A trucker is a person, firm or corporation in the
business of transporting goods, materials or
commodities for another, including any person, firm
or corporation required to obtain a Texas
Department of Transportation Permit from the
Motor Transportation Division.
Autos not used in the business of hauling goods or
commodities for others and autos which at no time
operate under a Texas Department of
Transportation permit, but which are used only for
personal or pleasure purposes or used exclusively
for the maintenance, repair, towing and servicing of
the insured’s autos are not subject to this Rule.
2. Such a risk is still in the truckers classification even
if it calls itself or advertises as a “contractor”,
“building contractor”, “building material dealer”,
“sand and gravel hauler” or some other similar
name.
3. The autos used in the following operations are
subject to this Rule even though they are not
subject to the truckers secondary rating factors:
a. Ash and garbage removal
b. Armored car service
c. Transportation of mail or parcel post
d. Moving operations, except,
(1) Autos used to haul for manufacturers,
distributors or retailers will use the
truckers secondary rating factors.
(2) Autos operated by an agent of a moving ⓔ
association under state or federal permits
of the association may be classified for
liability insurance based only on the
business operation of the named insured,
if the policy is endorsed to exclude
coverage while the autos are operating
under the moving association permits.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-16 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
B. Special Provisions
ⓔ 1. Specified auto basis—Truckers, including
truckers who hire or lease autos for a period of one
year or more, may be written on a specified auto
basis according to the Premium Development—
Other Than Zone Rated Autos (Rule 51) or the
Premium Development—Zone Rated Autos rule
(Rule 52) of the Trucks, Tractors and Trailers
Chapter.
ⓔ 2. Truckers hauling exclusively for one concern—
For any person, firm, or corporation transporting
exclusively for one concern, rate the autos as
though the autos were owned by such concern for
both territory and classification.
3. Non-Trucking operations (Class Code 7489)
a. Coverage for liability may be limited to non- ⓔ
trucking use when the autos are not rented or
used for business purposes to carry property
or to haul someone else's trailers.
b. Premium Development
Multiply the fleet or non-fleet truck, tractor,
trailer base premium by 1.75 per unit or
combined unit. Use the above factor in lieu of
primary or secondary factors.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
ORIGINAL PRINTING C-17 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
TRUCKS, TRACTORS, AND TRAILERS OTHER THAN ZONE RATED WORKSHEET
Coverage
Base Rate
(Rate Pages)
Primary Rating
Factor
(Rule 53)
Secondary Rating
Factor
(Rule 53)
A
dditional
Charge
(Rule 9)
Whole
Dollar
Premium
Bodily Injury
X (
+/-
) X =
Property Damage
X (
+/-
) X =
Personal
Injury Protection
NA NA
X
UM/UIM
NA NA NA
=
Total
TRUCKS, TRACTORS, AND TRAILERS ZONE RATED WORKSHEET
Coverage
Base Rate
(Rule 52)
Primary Rating
Factor
(Rule 53)
Secondary Rating
Factor
(Rule 53)
A
dditional
Charge
(Rule 9)
Whole
Dollar
Premium
Bodily Injury
X (
+/-
) X =
Property Damage
X (
+/-
) X =
Personal
Injury Protection
NA NA
X
UM/UIM
NA NA NA
=
Total
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
TRUCKS, TRACTORS, TRAILERS
Effective December 1, 2004 C-18 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
ENDORSEMENT REFERENCES
Endorsement
Rule Title Number
50 Federal Employees Using Auto in Government Business TE 99 12A
53 Amusement Devices Mounted on Commercial Autos TE 23 25A
53 Cotton Trailers TE 23 28A
53 Farm Trailers TE 23 29A
53 Liquefied Petroleum Gas Licensee—Motor Vehicle Endorsement Texas Railroad
Commission Form
TE 23 26A
53 Loaned Or Rented Trailers TE 23 19A
53 Professional Services Not Covered TE 20 18
53 Rolling Stores TE 23 04
53 Truckers Endorsement TE 23 20E
53 Wrong Delivery of Liquid Products TE 23 05
54 Hired Autos Specified As Covered Autos You Own TE 99 16
54 Moving Vans or Trucks—Agent TE 23 06A
54 Truckers—Hauling Exclusively For One Concern Under Long Term Contract TE 23 21A
54 Truckers—Insurance For Non-Trucking Use TE 23 09
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING C-19 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
PUBLIC TRANSPORTATION SUBCHAPTER
Rule 60. ELIGIBILITY
ⓔ This Subchapter applies to autos registered or used for the
transportation of members of the public as described herein.
Autos hired, loaned, leased or furnished 1 year or more: if
the insured is providing the primary insurance covering the
auto, rate as though owned by the insured.
Vehicles required to file proof of financial responsibility by
any statute or ordinance other than Chapter 601,
transportation code are not eligible for assignment.
Rule 61. PREMIUM DEVELOPMENT—OTHER
THAN ZONE RATED AUTOS
A. This Rule applies to:
1. All taxis, limousines (except airport limousines),
school, church and urban buses and van pools.
2. All other public autos that regularly operate within a
200-mile radius from the street address of principal
garaging. For those autos regularly operated
beyond a 200-mile radius, refer to the Premium
Development—Zone Rated Autos rule (Rule 62).
B. Determine the classification rating factor and class code
as follows:
1. Determine whether the risk is classified as fleet or
non-fleet according to the Public Auto
Classifications rule (Rule 63).
2. Determine the primary rating factor from the Public
Auto Classifications rule (Rule 63) based on use
class and radius class. For van pools the rating
factor is based on seating capacity.
3. Determine the secondary rating factor, if any, from
the Public Auto Classifications rule (Rule 63) based
on seating capacity.
4. Determine the combined rating factor by adding the
secondary rating factor to, or subtracting it from,
the primary rating factor.
C. Premium Development
1. Determine the rating territory from the territory
definitions based on the highest rated territory in
Texas where the public auto is operated.
2. Liability coverages
a. Determine the fleet or non-fleet base
premiums from the Public Transportation Auto
Rate Section.
b. Multiply the base premium by the combined
rating factor.
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
3. Personal injury protection and
uninsured/underinsured motorists coverage
a. For personal injury protection determine the
premium from the personal injury protection
tables in the Public Transportation Auto Rate
Section.
The rate thus determined from the table will
not be modified by a primary or secondary
rating factor.
b. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
4. Uninsured/underinsured motorists coverage
a. Refer to the Uninsured/Underinsured Motorists
Coverage rule (Rule 7).
b. Primary and secondary factors do not apply.
D. Refer to Individual as the Named Insured rule (Rule 12)
if applicable.
E. If a financial responsibility filing is required, refer to
Certified Risks-Financial Responsibility Laws rule (Rule
10).
Rule 62. PREMIUM DEVELOPMENT—ZONE
RATED AUTOS
This Rule applies to all public autos other than taxis,
limousines, school, church and urban buses or van pools,
which regularly operate beyond a 200-mile radius from the
street address of principal garaging.
A. Determine the zone or zone combination and code of
each auto as follows:
1. When an auto is principally garaged in a regional
zone and operates in that zone and in one or more
metropolitan zones, the zone combination is the
regional zone and the metropolitan zone farthest
away.
2. In all other situations, the zone combination is the
zone of principal garaging and the zone included in
the auto’s operations farthest from that point.
Examples
a. The auto is principally garaged in Houston, Texas
(Metropolitan Zone 13) and operates in Beaumont,
Texas (Southwest Zone 43), the proper zone
combination is 13 and 43.
b. The auto is principally garaged in Corpus Christi,
Texas (Southwest Zone 43) and operates in Dallas,
Texas (Metropolitan Zone 09), the proper zone
combination is 43 and 09.
B. Premium Development
1. Determine the classification rating factor and class
code as follows:
a. Determine whether the auto is classified as
fleet or non-fleet according to the Public Autos
Classifications rule (Rule 63).
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-20 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
b. Determine the primary rating factor from the
Public Autos Classifications rule (Rule 63).
c. Secondary rating factors do not apply.
2. Liability coverage
a. Determine the fleet or non-fleet base
premiums for the zone combination from the
zone-rating table.
b. Multiply the base premium by the primary
rating factor.
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
3. Personal injury protection and
uninsured/underinsured motorists coverage
a. For personal injury protection determine the
premium from the personal injury protection
tables in the Public Transportation Auto Rate
Section.
The rate thus determined from the table will
not be modified by a primary or secondary
rating factor.
c. If additional charges for accidents and
convictions (Rule 9) apply, increase the rates
determined above by the appropriate
percentage.
4. Uninsured/underinsured motorists coverage
a. Refer to the Uninsured/Underinsured Motorists
Coverage rule (Rule 7).
b. Primary and secondary factors do not apply.
C. Long Distance Zone Definitions:
Metropolitan Zones
01 ATLANTA Zone includes Clayton and Cobb
Counties and Atlanta, Georgia territories.
02 BALTIMORE-WASHINGTON Zone includes
Baltimore, Baltimore Suburban and Outer
Suburban, Montgomery County Suburban and
Outer Suburban, and Prince Georges County
Suburban and Outer Suburban, Maryland
territories; the entire District of Columbia and
Alexandria City, Arlington, Falls Church City and
Arlington-Alexandria Suburban, Virginia territories.
03 BOSTON Zone includes all of Essex, Middlesex,
Norfolk and Suffolk, Massachusetts Counties.
04 BUFFALO Zone includes Erie County (Balance),
Buffalo, Buffalo Semi-Suburban, Buffalo Suburban,
Niagara Falls and Niagara Falls Suburban, New
York territories.
05 CHARLOTTE Zone includes Charlotte and all of
Mecklenburg County, North Carolina territories.
06 CHICAGO Zone includes all of Cook and Du Page
County territories, Lake County (Balance),
Waukegan—North Chicago and all Chicago, Illinois
territories; and East Chicago, Indiana territory.
07 CINCINNATI Zone includes Cincinnati, Dayton and
Hamilton-Middletown, Ohio, and Covington-
Newport, Kentucky territories.
08 CLEVELAND Zone includes all of Geauga, Lorain
and Medina County territories, Portage County
(excluding the village of Mogadore), all Cleveland
and Painesville, Ohio territories.
09 DALLAS-FORT WORTH Zone includes all of
Dallas and Tarrant, Texas Counties.
10 DENVER Zone includes Denver and North Central,
Colorado territories.
11 DETROIT Zone includes all Detroit, Dearborn and
Pontiac, Michigan territories.
12 HARTFORD Zone includes all of Hartford and New
Haven Counties, and Bridgeport and Fairfield-
Stratford Connecticut territories.
13 HOUSTON Zone includes all of Chambers,
Galveston and Harris, Texas Counties.
14 INDIANAPOLIS Zone includes all of Marian
County, Indiana territory.
15 JACKSONVILLE Zone includes all of Jacksonville,
Florida territory.
16 KANSAS CITY Zone includes all of Kansas City,
Kansas and Independence and all Kansas City,
Missouri territories.
17 LITTLE ROCK Zone includes all of Pulaski County,
Arkansas territory.
18 LOS ANGELES Zone includes all of Los Angeles
and Orange Counties and also Riverside and San
Bernardino, California territories.
19 LOUISVILLE Zone includes all of Jefferson County,
Kentucky and New Albany and Jeffersonville,
Indiana territories.
20 MEMPHIS Zone includes all of Shelby County,
Tennessee territory.
21 MIAMI Zone includes Miami and Miami Beach,
Florida territories.
22 MILWAUKEE Zone includes Kenosha; Milwaukee
Metropolitan, Semi-Suburban and Suburban and
Racine, Wisconsin territories.
23 MINNEAPOLIS-ST. PAUL Zone includes
Minneapolis Metropolitan and Suburban; and St.
Paul Metropolitan and Suburban, Minnesota
territories.
24 NASHVILLE Zone includes all of Davidson County,
Tennessee territory.
25 NEW ORLEANS Zone includes all of New Orleans,
Louisiana territory.
26 NEW YORK CITY Zone includes all of New York
City, Nassau and Westchester, New York
Counties; all of Bergen, Essex and Hudson
Counties, Elizabeth, New Brunswick, Perth Amboy
and Plainfield, New Jersey territories, and Darien
Greenwich and Stamford, Connecticut territories.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
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ORIGINAL PRINTING C-21 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
27 OKLAHOMA CITY Zone includes all of Oklahoma
County, Oklahoma territory.
28 OMAHA Zone includes all of Douglas and Sarpi,
Nebraska Counties and Council Bluffs, Iowa
territory.
29 PHOENIX Zone includes Mesa-Tempe and
Phoenix, Arizona territories.
30 PHILADELPHIA Zone includes Bucks County
(Balance), Chester County (Balance), Delaware
(Balance), Montgomery County (Balance),
Allentown-Bethlehem and all Philadelphia,
Pennsylvania territories; Wilmington, Delaware and
Camden, Camden Suburban and Trenton, New
Jersey territories.
31 PITTSBURGH Zone includes all of Allegheny and
Beaver Counties, Pennsylvania territories.
32 PORTLAND Zone includes all of Portland, Portland
Semi-Suburban and Portland Suburban, Oregon
and Vancouver, Washington territories.
33 RICHMOND Zone includes all of Richmond,
Virginia territory.
34 ST. LOUIS Zone includes all of St. Louis County,
Missouri, and East St. Louis, Illinois territories.
35 SALT LAKE CITY Zone includes all of Salt Lake
City County, Utah territory.
36 SAN FRANCISCO Zone includes all of Alameda,
Contra Costa, Marin, San Francisco, San Mateo
and Santa Clara, California Counties.
37 TULSA Zone includes all of Tulsa, Oklahoma
territory.
Regional Zones
40 PACIFIC COAST Zone includes the States of
California (excluding Los Angeles and San
Francisco Zones), Oregon (excluding Portland
Zone) and Washington (excluding Portland Zone).
41 MOUNTAIN Zone includes the States of Arizona
(excluding Phoenix Zone), Colorado (excluding
Denver Zone), Idaho, Montana, Nevada, New
Mexico, Utah (excluding Salt Lake City Zone) and
Wyoming.
42 MIDWEST Zone includes the States of Iowa
(excluding Omaha Zone), Kansas (excluding
Kansas City Zone), Missouri (excluding Kansas
City and St. Louis Zones), Minnesota (excluding
Minneapolis- St. Paul Zone), Nebraska (excluding
Omaha Zone), North Dakota, South Dakota and
Wisconsin (excluding Milwaukee Zone).
43 SOUTHWEST Zone includes the States of
Arkansas (excluding Little Rock Zone), Oklahoma
(excluding Oklahoma City and Tulsa Zone) and
Texas (excluding Dallas-Fort Worth and Houston
Zones).
44 NORTH CENTRAL Zone includes the States of
Illinois (excluding Chicago and St. Louis Zones),
Indiana (excluding Chicago, Indianapolis and
Louisville Zones), Ohio (excluding Cincinnati and
Cleveland Zones) and Michigan (excluding Detroit
Zone).
45 MIDEAST Zone includes the States of Kentucky
(excluding Cincinnati and Louisville Zones),
Tennessee (excluding Memphis and Nashville
Zones) and West Virginia.
46 GULF Zone includes the States of Alabama,
Louisiana (excluding New Orleans Zone) and
Mississippi.
47 SOUTHEAST Zone includes the States of Florida
(excluding Jacksonville and Miami Zones), Georgia
(excluding Atlanta Zone), North Carolina (excluding
Charlotte Zone), South Carolina and Virginia
(excluding Baltimore/Washington and Richmond
Zones).
48 EASTERN Zone includes the States of Delaware
(excluding Philadelphia Zone), Maryland (excluding
Baltimore/Washington Zone), New York (excluding
Buffalo and New York City Zones), New Jersey
(excluding New York City and Philadelphia Zones)
and Pennsylvania (excluding Philadelphia and
Pittsburgh Zones).
49 NEW ENGLAND Zone includes the States of
Connecticut (excluding Hartford and New York City
Zones), Maine, Massachusetts (excluding Boston
Zone), New Hampshire, Rhode Island and
Vermont.
50 ALASKA Zone includes all of the State of Alaska.
Zone Combination Coding
Commercial Statistical Plan (CSP) coding instructions
for zone combinations:
Full Plan—use three digit zone combination code
shown in rating tables.
Example—vehicle garaged in Dallas with terminal in
Atlanta, code 101.
Intermediate Plan—use three digit zone combination
code shown in rating table preceded by state code 42.
Example—vehicle garaged in Dallas with terminal in
Atlanta, code 42101.
D. Refer to Individual as the Named Insured rule (Rule 12)
if applicable.
E. If a financial responsibility filing is required, refer to
Certified Risks-Financial Responsibility Laws rule (Rule
10).
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-22 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
ORIGINAL PRINTING C-23 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
LIABILITY
PUBLIC TRANSPORTATION AUTO ZONE RATING TABLE
$20,000/40,000/15,000
ZONE 09 (Dallas-Ft. Worth) Zone of Principal Garaging
Liab. Liab. Liab. Liab.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
01
Atlanta
101
$1,004
644
13
Houston
113
$806
545
25
New Orleans
125
$853
545
37
Tulsa
137
$776
500
02
Balt.-Wash.
102
1,190
770
14
Indianapolis
114
1,004
644
26
N.Y. City
126
1,270
846
40
Pacific
140
918
585
03
Boston
103
1,270
846
15
Jacksonville
115
1,004
644
27
Okla. City
127
776
500
41
Mountain
141
853
545
04
Buffalo
104
918
585
16
Kansas City
116
1,051
665
28
Omaha
128
899
575
42
Midwest
142
853
545
05
Charlotte
105
1,004
644
17
Little Rock
117
776
500
29
Phoenix
129
853
545
43
Southwest
143
776
500
06
Chicago
106
1,120
711
18
Los Angeles
118
1,120
734
30
Philadelphia
130
1,270
846
44
N. Central
144
873
560
07
Cincinnati
107
1,004
644
19
Louisville
119
971
619
31
Pittsburgh
131
1,155
763
45
Mideast
145
873
560
08
Cleveland
108
1,088
695
20
Memphis
120
1,004
644
32
Portland
132
921
585
46
Gulf
146
853
545
09
Dal.-Ft. Worth
109
776
514
21
Miami
121
1,108
732
33
Richmond
133
1,004
644
47
Southeast
147
873
560
10
Denver
110
918
585
22
Milwaukee
122
968
619
34
St. Louis
134
918
585
48
Eastern
148
873
560
11
Detroit
111
1,120
711
23
Min.-St. Paul
123
968
619
35
Salt Lake C.
135
853
545
49
New England
149
873
560
12
Hartford
112
1,270
846
24
Nashville
124
1,004
644
36
San Francisco
136
1,270
846
50
Alaska
150
918
585
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-24 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
LIABILITY
PUBLIC TRANSPORTATION AUTO ZONE RATING TABLE
$20,000/40,000/15,000
ZONE 13 (Houston) Zone of Principal Garaging
Liab. Liab. Liab. Liab.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
01
Atlanta
201
$1,031
699
13
Houston
213
$823
535
25
New Orleans
225
$967
661
37
Tulsa
237
$791
535
02
Balt-Wash.
202
1,214
815
14
Indianapolis
214
1,031
699
26
N.Y. City
226
1,296
852
40
Pacific
240
1,157
787
03
Boston
203
1,296
852
15
Jacksonville
215
1,031
699
27
Okla. City
227
791
535
41
Mountain
241
967
661
04
Buffalo
204
1,154
781
16
Kansas City
216
1,105
749
28
Omaha
228
967
661
42
Midwest
242
967
661
05
Charlotte
205
1,031
699
17
Little Rock
217
791
535
29
Phoenix
229
967
661
43
Southwest
243
791
535
06
Chicago
206
1,154
781
18
Los Angeles
218
1,154
781
30
Philadelphia
230
1,296
852
44
N. Central
244
1,031
699
07
Cincinnati
207
1,031
699
19
Louisville
219
1,031
699
31
Pittsburgh
231
1,177
781
45
Mideast
245
1,031
699
08
Cleveland
208
1,110
749
20
Memphis
220
1,031
699
32
Portland
232
1,031
699
46
Gulf
246
967
661
09
Dal.-Ft. Worth
209
791
535
21
Miami
221
1,129
747
33
Richmond
233
1,031
699
47
Southeast
247
1,031
699
10
Denver
210
967
661
22
Milwaukee
222
987
667
34
St. Louis
234
1,146
781
48
Eastern
248
1,098
747
11
Detroit
211
1,146
781
23
Min.-St. Paul
223
987
667
35
Salt Lake C.
235
967
661
49
New England
249
1,098
747
12
Hartford
212
1,296
852
24
Nashville
224
1,031
699
36
San Francisco
236
1,296
852
50
Alaska
250
1,157
787
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
ORIGINAL PRINTING C-25 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
LIABILITY
PUBLIC TRANSPORTATION AUTO ZONE RATING TABLE
$20,000/40,000/15,000
ZONE 43 (Remainder of Texas) Zone of Principal Garaging
Liab. Liab. Liab. Liab.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
Zone No.
Zone
Comb. Code
B.l.
P.D.
01
Atlanta
901
$1,206
790
13
Houston
913
$1,086
697
25
New Orleans
925
$948
621
37
Tulsa
937
$697
455
02
Balt.-Wash.
902
1,472
964
14
Indianapolis
914
1,032
674
26
N.Y. City
926
1,635
1,072
40
Pacific
940
877
571
03
Boston
903
1,635
1,072
15
Jacksonville
915
1,206
790
27
Okla. City
927
697
455
41
Mountain
941
747
494
04
Buffalo
904
1,069
697
16
Kansas City
916
1,077
708
28
Omaha
928
1,077
706
42
Midwest
942
747
494
05
Charlotte
905
1,032
674
17
Little Rock
917
697
455
29
Phoenix
929
881
581
43
Southwest
943
697
455
06
Chicago
906
1,264
833
18
Los Angeles
918
1,463
937
30
Philadelphia
930
1,635
1,072
44
N. Central
944
765
504
07
Cincinnati
907
948
621
19
Louisville
919
1,122
734
31
Pittsburgh
931
1,172
773
45
Mideast
945
809
535
08
Cleveland
908
1,077
708
20
Memphis
920
948
621
32
Portland
932
948
617
46
Gulf
946
812
536
09
Dal.-Ft. Worth
909
1,018
658
21
Miami
921
1,386
911
33
Richmond
933
1,032
674
47
Southeast
947
859
566
10
Denver
910
913
598
22
Milwaukee
922
948
621
34
St .Louis
934
1,135
746
48
Eastern
948
859
566
11
Detroit
911
1,135
746
23
Min.-St. Paul
923
948
621
35
Salt Lake C.
935
881
581
49
New England
949
859
566
12
Hartford
912
1,635
1,072
24
Nashville
924
948
621
36
San Francisco
936
1,635
1,072
50
Alaska
950
877
571
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-26 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
Rule 63. PUBLIC AUTO CLASSIFICATIONS
Classify public autos as follows:
A. If an auto has more than one use, use the highest rated
classification unless 80% or more of the use is in a
lower rated activity. In that case use the lower rated
classification.
B. Fleet—Non-fleet Classification
1. Classify as fleet the autos of any risk that has five
(5) or more self-propelled autos of any type that are
under one ownership. Do not include autos owned
by allied or subsidiary interests.
2. Do not include mobile equipment insured on a
General Liability Policy in determining if the risk is a
fleet.
3. Do not include trailers in determining if the risk is a
fleet, but apply the fleet classification to the trailers
if the risk is otherwise classified as a fleet.
4. Classify the autos of any other risk as non-fleet.
5. Do not change the fleet or non-fleet classification
because of mid-term changes in the number of
owned autos except at the request of the insured.
The policy must be cancelled and rewritten in
accordance with the Cancellations rule (Rule 6).
C. Seating Capacity
1. Use the seating capacity specified by the
manufacturer of the auto unless a public authority
rules otherwise.
2. Do not include the driver’s seat when determining
seating capacity.
D. Primary Classifications
1. Radius Class
Determine radius on a straight line from the street
address of principal garaging.
a. Local—up to 50 miles—The auto is not
regularly operated beyond a radius of 50 miles
from the street address where such auto is
principally garaged.
b. Intermediate—51 to 200 miles—The auto is
operated beyond a radius of 50 miles but not
regularly beyond a radius of 200 miles from
the street address where such auto is
principally garaged.
c. Long Distance—over 200 miles—The auto is
operated regularly beyond a 200-mile radius
from the street address where such auto is
principally garaged. Apply zone rates for all
autos other than taxis, limousines (except
airport limousines), school, church and urban
buses and van pools.
2. Use Class
a. Taxicab or similar passenger carrying
service—A metered or unmetered auto that is
operated for hire by the named insured or an
employee, but does not pick up, transport or
discharge passengers along a route.
b. Limousine—An unmarked auto that is
operated for hire by the named insured or an
employee and used on a prearranged basis for
special or business functions, weddings,
funerals or similar purposes.
c. School bus—An auto that carries students or
other persons to and from school, or in any
school activity including games, outings and
similar school trips. This classification applies
only to autos used in conjunction with school
activities accredited by the Texas Education
Agency, institutions of higher learning such as
colleges or universities, or any private schools
accredited by an agency recognized and under
the direction of the Texas Education Agency.
Separate codes and rating factors apply to:
(1) School buses owned by political
subdivisions or school districts.
(2) All others.
d. Church bus—An auto used by a church to
transport persons to or from services and other
church related activities. This classification
does not apply to public autos used primarily
for daily school activities.
e. Inter-city bus—An auto that picks up and
transports passengers on a published
schedule of stops between stations located in
two or more towns or cities.
f. Urban bus—An auto that picks up, transports
and discharges passengers at frequent local
stops along a prescribed route. This
classification applies only to autos operated
principally within the limits of a city or town and
communities contiguous to such city or town,
and includes scheduled express service
between points on that route.
g. Airport bus or airport limousine—An auto for
hire that transports passengers between
airports and other passenger stations or
motels.
h. Charter bus—An auto chartered for special
trips, touring, picnics, outings, games and
similar uses.
i. Sightseeing bus—An auto accepting individual
passengers for a fare for sightseeing or guided
tours, making occasional stops at certain
points of interest and returning the passengers
to the point of origin.
j. Transportation of athletes and entertainers—
An auto owned by a group, individual, firm or
organization that transports its own
professional athletes, musicians, or other
entertainers.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
ORIGINAL PRINTING C-27 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
EXCEPTIONS:
(1) If it is used to transport other professional
athletes or entertainers, rate as a charter
bus.
(2) If it is used to transport its own non-
professional athletes, musicians or
entertainers, rate as a public auto not
otherwise classified.
k. Van pools—An auto of the station wagon, van,
truck or bus type used to provide prearranged
commuter transportation for employees to and
from work and is not otherwise used to
transport passengers for a charge.
Note: This Rule is not applicable to an auto
operated under a bonafide car-
pooling or ride sharing arrangement
with fellow employees of the same or
different employers, and which
qualifies for classification and rating
under the Private Passenger Auto
Classifications rule (Rule 32).
(1) Employer furnished transportation—
Transportation is held out by an employer
as an inducement to employment, a
condition of employment or is incident to
employment.
(a) Employer owned autos—Autos
owned, or leased for one year or
more, by an employer and used to
provide transportation only for his or
her employees.
(b) Employee owned autos—Autos
owned, or leased for one year or
more by an individual employee and
used to provide transportation only for
fellow employees of his or her
employer.
(2) All other—Autos that do not meet the
eligibility requirements of paragraph (1)
above.
l. Transportation of employees—other than van
pools—Autos of any type used to transport
employees other than in van pools.
(1) Autos owned, leased for one year or
more, by an employer and used to
transport only his or her own employees.
(a) Private passenger autos—Charge
Class 3 rates shown in the Private
Passenger Rate Section (Class code
5851).
(b) All other autos—Rate as van pool-all
other (Class code 5851).
(2) Autos owned, or leased for one year or
more by a person or organization who is
in the business of transporting employees
of one or more employers. Rate as public
auto not otherwise classified.
m. Social service agency auto—An auto used by
a government, civic, private, charitable, or
social service organization to provide
transportation to clients incident to the social
services sponsored by the organization,
including special trips and outings.
(1) This classification includes, for example,
autos used to transport:
(a) senior citizens or other clients to
congregate meal centers, medical
facilities, social functions, shopping
centers;
(b) Handicapped persons to work or
rehabilitative programs;
(c) Children to daycare centers, head
start nurseries and other schools not
accredited by the Texas Education
Agency or an agency recognized and
under the direction of the Texas
Education Agency.
(d) Boy Scout or Girl Scout groups to
planned activities.
(2) The following autos are eligible for this
classification
(a) Autos owned, or leased for one year
or more, by the social service agency
(b) Autos donated to the social service
agency, without a driver.
(c) Autos hired under contract by the
social service agency.
(3) If an auto has more than one use, use the
highest rated classification unless 80% or
more of the use is in a lower rated activity.
In that case use the lower rated
classification.
(4) Separate codes and rating factors apply
to:
(a) Employee- operated autos—Autos
operated by employees of the social
service agency—If a social service
auto is also operated by volunteer
drivers or other non-agency
employees, use the “All Other”
classification unless 80% or more of
the use is by agency employees.
(b) All other—Autos that do not meet the
requirements of paragraph (a).
n. Public auto not otherwise classified—This
classification includes, but is not limited to
autos such as country club buses, cemetery
buses, real estate development buses, and
courtesy buses run by hotels.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-28 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
NON-FLEET PRIMARY CLASSIFICATIONS—PRIMARY RATING FACTORS AND STATISTICAL CODES
Radius
Taxicabs And Limousines
Local
Up to 50 Miles
Intermediate
51 to 200 Miles
Long Distance
Over 200 Miles
Taxicab or Similar
Passenger Carrying
Service
Factor
Code
1.00
4159
1.10
4169
1.20
4179
Limousine
Factor
Code
.25
4259
.30
4269
.35
4279
School Buses and
Church Buses
School Bus Owned by
Political Subdivision
Or School District
Factor
Code
1.00
615—
1.05
616—
1.10
617—
Other School Bus
Factor
Code
1.00
625—
1.05
626—
1.10
627—
Church Bus
Factor
Code
1.00
635—
1.05
636—
1.10
637—
Other Buses
Urban Bus
Factor
Code
1.00
515—
1.25
516—
ZONE RATED
Airport Bus or
Airport Limousine
Factor
Code
.50
525—
.75
526—
1.10
5279
Inter-City Bus
Factor
Code
1.00
535—
1.25
536—
1.85
5379
Charter Bus
Factor
Code
1.00
545—
1.25
546—
1.85
5479
Sightseeing Bus
Factor
Code
.50
555—
.75
556—
1.65
5579
Trans. of Athletes
And Entertainers
Factor
Code
.55
565—
.80
566—
1.00
5679
Social Service
Auto
Employee-Operated
Factor
Code
.50
645—
.75
646—
.95
6479
Social Service
Auto
All Other
Factor
Code
.50
655—
.75
656—
.95
6579
Public, NOC
Factor
Code
.50
585—
.75
586—
.95
5879
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
ORIGINAL PRINTING C-29 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
FLEET PRIMARY CLASSIFICATIONS—PRIMARY RATING FACTORS AND STATISTICAL CODES
Radius
Taxicabs And Limousines
Local
Up to 50 Miles
Intermediate
51 to 200 Miles
Long Distance
Over 200 Miles
Taxicab or Similar
Passenger Carrying
Service
Factor
Code
1.00
4189
1.10
4199
1.20
4109
Limousine
Factor
Code
.25
4289
.30
4299
.35
4209
School Buses and
Church Buses
School Bus Owned by
Political Subdivision
Or School District
Factor
Code
1.00
618—
1.05
619—
1.10
610—
Other School Bus
Factor
Code
1.00
628—
1.05
629—
1.10
620—
Church Bus
Factor
Code
1.00
638—
1.05
639—
1.10
630—
Other Buses
Urban Bus
Factor
Code
1.00
518—
1.25
519—
ZONE RATED
Airport Bus or
Airport Limousine
Factor
Code
.50
528—
.75
529—
1.10
5209
Inter-City Bus
Factor
Code
1.00
538—
1.25
539—
1.85
5309
Charter Bus
Factor
Code
1.00
548—
1.25
549—
1.85
5409
Sightseeing Bus
Factor
Code
.50
558—
.75
559—
1.65
5509
Trans. of Athletes
And Entertainers
Factor
Code
.55
568—
.80
569—
1.00
5609
Social Service
Auto
Employee-Operated
Factor
Code
.50
648—
.75
649—
.95
6409
Social Service
Auto
All Other
Factor
Code
.50
658—
.75
659—
.95
6509
Public, NOC
Factor
Code
.50
588—
.75
589—
.95
5809
FLEET AND NON-FLEET PRIMARY CLASSIFICATIONS—RATING FACTORS AND STATISTICAL
CODES—VAN POOLS
Seating Capacity
Van Pools
1 to 8 9 to 20 21 to 60 Over 60
Employer Furnished
Factor
Code
1.00
4111
1.05
4112
1.40
4113
1.90
4114
All Other
Factor
Code
1.10
4121
1.25
4122
1.80
4123
2.30
4124
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-30 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
E. Secondary classification
Secondary classifications factors are not applicable to
taxicabs, limousines (except airport limousines), and
van pools. These classification factors are not
applicable to zone rated risks.
Liability Factor
Code*
Seating
Capacity
School
Buses
and
Church
Buses
Other
Buses
1 1–8 .00 +.00
2 9–20 +.10 +0.15
3 21–60 +.25 +0.50
4 Over 60 +.65 +1.00
9 All Other–Not Secondarily Rated
* To be inserted into the fourth digit of classification
code.
F. Special provisions
1. If a truck is to be rated as a public auto, determine
the seating capacity from the size class as follows:
Size Class Seating Capacity
Light 1–8
Medium 9–20
Heavy 21–60
Extra Heavy over 60
2. If a bus is to be rated as a truck, refer to the
Trucks, Tractors And Trailers Subchapter.
3. Determine the liability premium for a public auto
that is a combination unit consisting of a motor
powered vehicle and one or more trailers based on
the seating capacity of the entire unit.
Increase premium by a factor of 1.10
Rule 64. PASSENGER HAZARD EXCLUDED
This Rule does not apply to any auto operating under the
Motor Bus Law of the Texas Department of Transportation,
Interstate Commerce Commission or similar regulatory
authority for which financial responsibility filing is required,
since such autos are not eligible through the Association.
If personal injury protection coverage is not afforded, ⓔ
bodily injury liability insurance with respect to any person in
or upon, entering or alighting from a public auto may be
excluded by endorsement with respect to the following
classifications.
Classification
A. Church bus
B. Civic, charitable, welfare organization bus and social
services agencies autos
C. School bus
D. All other buses
E. Taxicabs and limousines
Multiply the bodily injury rate by .75.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
ORIGINAL PRINTING C-31 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
PUBLIC TRANSPORTATION AUTOS OTHER THAN ZONE RATED WORKSHEET
Coverage
Base Rate
(Rate
Pages)
Primary
Rating
Factor
(Rule 63)
Secondary
Rating Factor
Rule 63)
Additional Charge
(Rule 9)
Whole Dollar
Premium
Bodily Injury
X (
+
) X
=
Property Damage
X (
+
) X
=
Personal Injury
Protection
NA NA
X
=
UM/UIM NA NA
NA
=
TOTAL
ZONE RATED PUBLIC TRANSPORTATION AUTOS WORKSHEET
Coverage
Base Rate
(Rule 62)
Primary
Rating
Factor
(Rule 63)
Additional
Charge
(Rule 9)
Whole Dollar
Premium
Bodily Injury
X
X
=
Property Damage
X
X
=
Personal Injury
Protection
NA
X
=
UM/UIM NA
NA
=
TOTAL
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
PUBLIC TRANSPORTATION
Effective December 1, 2004 C-32 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
ENDORSEMENT REFERENCES
Endorsement
Rule Title Number
60 Public Transportation Autos TE 24 02
64 Public Auto—Passenger Hazard Excluded TE 24 09A
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING C-33 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
SPECIAL TYPES AND OPERATIONS SUBCHAPTER
Rule 70. ELIGIBILITY
This Subchapter applies to all autos specified herein that are
not classified and rated in other Chapters.
An auto specified herein owned by an individual or by
husband and wife who are residents of the same household
not customarily used in the occupation, profession or
business of the insured other than farming or ranching shall
be afforded personal auto coverage in accordance with the
Individual As The Named Insured rule (Rule 12).
An auto hired, loaned, leased or furnished for 1 year or
more: if the insured is providing the primary insurance
covering the auto, rate as though owned by the insured.
Rule 71. PREMIUM DEVELOPMENT
A. Determine the rating territory from the territory
definitions based on the street address of principal
garaging.
B. Liability—See specific rating instructions for each
classification in this Subchapter.
If additional charges for accidents and convictions (Rule
9) apply, increase the liability premium developed for
the classification by the appropriate percentage.
C. Personal Injury Protection—Refers to specific rules in
this Subchapter. If no premium or procedures are
shown, determine premiums as follows:
1. If liability premiums are developed from truck,
tractor, trailer base premium fleet or non-fleet,
charge truck, tractor, trailer personal injury
protection premiums.
2. If liability premiums are developed from private
passenger type premiums, charge private
passenger personal injury protection premiums.
3. For risks written at a percentage of private
passenger rates, such as motorcycles, use the
Personal Injury Protection rates in Table B of the
Private Passenger Rate Section unless otherwise
specified in the rule.
If additional charges for accidents and convictions
(Rule 9) apply, increase the personal injury
protection for the classification by the appropriate
percentage.
D. Uninsured/Underinsured Motorists Coverage—Refer
to the Uninsured/Underinsured Motorists rule (Rule 7).
E. Refer to Individual as the Named Insured rule (Rule 12)
if applicable.
F. If a financial responsibility filing is required, refer to
Certified Risks-Financial Responsibility Laws rule (Rule
10).
Rule 72. AMBULANCES
ⓔ A. The policy must exclude coverage for bodily injury to
any volunteer worker engaged in rescue squad or
ambulance corps operations.
B. The policy must exclude coverage for bodily injury or ⓔ
property damage that results from providing or failing to
provide any professional service.
C. Premium Development
1. Ambulances used for emergency purposes (Class
Code 7913).
Liability—Multiply the fleet or non-fleet truck,
tractor, trailer base rate by 3.00.
2. Ambulances not used for emergency purposes ⓔ
(Class Code 7914).
Liability—Multiply the fleet or non-fleet truck,
tractor, trailer base rate by 2.00.
Rule 73. DRIVER TRAINING PROGRAMS
(EDUCATIONAL INSTITUTIONS AND
COMMERCIAL DRIVING SCHOOLS)
AND AUTO REPAIR TRAINING
A. Driver training programs—educational institutions
(Class Code 7926)—This applies to private passenger
autos used for driver training as part of a school
curriculum.
Premium Development
1. Liability coverages
a. For autos equipped with dual controls, multiply
the Class 3 rates in the Private Passenger
Rate Section by .75. There must be dual
brakes to qualify as dual controls.
b. For autos not equipped with dual controls,
multiply the Class 3 rates in the Private
Passenger Rate Section by 1.50.
c. Coverage may not be extended to apply to the
liability of a student and the parent or guardian
of such student to an auto being used for the
purpose of the driver-training program
conducted by public schools (governmental
unit).
2. All other coverages—Charge Class 3 private
passenger rates in the Private Passenger Rate
Section.
B. Commercial driving schools (Class Code 7927)—This
applies to autos used by driving schools to give driving
instruction.
Premium Development
1. Owned private passenger autos.
a. Liability coverages:
(1) For autos equipped with dual controls,
charge the Class 3 rates in the Private
Passenger Rate Section. There must be
dual brakes to qualify as dual controls.
(2) For autos not equipped with dual controls,
multiply the Class 3 rates in the Private
Passenger Rate Section by 2.00.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
November 8, 2004 Draft C-34 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
b. For all other coverages, charge Class 3 rates
in the Private Passenger Rate Section.
2. Motorcycles, motorscooters, motorbikes and similar
autos used for driver training purposes. If such
autos are only used on parking lots or blocked-off
streets, the liability premiums otherwise applicable
shall be multiplied by .90.
3. All other types of owned autos—Rate Trucks,
Tractors and Trailers or Public autos as applicable.
4. Non-owned autos used for driving instruction.
a. Charge the Class 3 rates in the Private
Passenger Rate Section for each instructor in
excess of the number of owned autos.
b. The policy shall be endorsed to cover driving
instructors and their students.
C. Auto repair training.
For autos used by schools in auto repair training, the
rules and rates for owned autos apply.
Rule 74. DRIVE-AWAY CONTRACTORS (Class
Code 7923)
A drive-away contractor is a risk that transports autos under
their own power for factories or auto dealers.
A. Named operator basis—The rating provisions
applicable to a risk insured on a specified auto basis
shall apply except that the rate shall be “per named
operator”.
B. Trailer delivery
1. Autos (except private passenger) used to deliver
trailers belonging to others shall be written in
accordance with the Truckers rule (Rule 54) in the
Trucks, Tractors and Trailers Subchapter.
2. Private passenger autos—Multiply the Class 3
private passenger rate by 2.00. Refer to the
Private Passenger Rate Section.
3. Trailers—Multiply .25 by the rate determined in
paragraph 1 above.
C. Haulaways—Vehicles, commonly known as
haulaways, used to carry autos or trailers shall be
written in accordance with the Truckers rule (Rule 54) in
the Trucks, Tractors and Trailers Subchapter.
Rule 75. FIRE DEPARTMENTS
A. Eligibility
1. This Rule applies to autos used for fire fighting
purposes.
2. The policy must exclude coverage for bodily injury
to any volunteer fireman or volunteer worker
engaged in fire fighting, rescue squad or
ambulance corps operation.
3. The policy must exclude coverage for bodily injury
or property damage that results from providing or
failing to provide any professional service.
B. Premium Development
1. Private passenger autos (Class Code 7908)—
Charge the Class 3 rates in the Private Passenger
Rate Section.
2. Trailer types—Classify and rate according to the
Trucks, Tractors and Trailers Classifications rule
(Rule 53).
3. All Other types (Class Code 7909)—Multiply the
fleet or non-fleet truck, tractor, trailer base rates in
the Truck, Tractor, Trailer Rate Section by 1.60.
Rule 76. FUNERAL DIRECTORS
A. Eligibility
1. This Rule applies to autos owned or used by a
funeral director.
2. The policy must exclude coverage for bodily injury
or property damage that results from providing or
failing to provide any professional service.
B. Premium Development
1. Limousines (Class Code 7915)—Multiply the Class
3 in the Private Passenger Rate Section by .90.
2. Hearses or flower cars (Class Code 7922)—
Multiply the base rates in the Truck, Tractor, Trailer
Rate Section by .90.
3. Combination hearses and ambulances—Classify
and rate the autos according to the Ambulances
rule (Rule 72).
4. Autos used for other purposes—Classify and rate
the auto according to its regular use.
Rule 77. LAW ENFORCEMENT AGENCIES
A. Eligibility
1. This Rule applies to autos used by government law
enforcement agencies or police departments.
2. The policy must exclude coverage for bodily injury
to any volunteer worker engaged in rescue squad
or ambulance corps operations.
3. The policy must exclude coverage for bodily injury
or property damage that results from providing or
failing to provide any professional service.
B. Premium Development
1. Private passenger autos (Class Code 7911)—
Charge the Class 3 rates in the Private Passenger
Rate Section.
2. Motorcycles (Class Code 7942)—Rate according to
the Motorcycle-Commercial rule (Rule 79).
3. Trailer types—Classify and rate according to the
Premium Development—Other Than Zone Rated
rule (Rule 51) of the Trucks, Tractors and Trailers
Subchapter.
4. All other types (Class Code 7912)—Multiply the
base rates in the Truck, Tractor, Trailer Rate
Section by 1.60.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
ORIGINAL PRINTING C-35 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
Rule 78. LEASING OR RENTAL CONCERNS
This Rule applies to risks which lease or rent autos to others
without drivers.
A. For autos leased or rented with drivers, refer to the
Truckers rule (Rule 54) or the Public Auto
Classifications rule (Rule 63).
B. For trucks, tractors, and trailers leased or rented by the
concern to truckers, refer to the Truckers rule (Rule 54).
Public transportation autos leased or rented by the
concern to public transportation auto risks, refer to the
Public Auto Classifications rule (Rule 63).
C. Passenger hazard may not be excluded.
D. Premium Development—A risk engaged in leasing or
renting autos or trailers to others without drivers may be
insured on the specified auto basis. Autos rented part
time with a driver and part time without a driver shall
take the rate for the higher classification. The premium
is to be determined on the basis of the territory in which
the auto is principally garaged in accordance with the
following provisions.
1. Specified auto basis—Long Term—Coverage
for Owner and Rentee (Autos leased for one year
or more) Private Passenger and trucks, tractors,
and trailers, commercial trailers, motorcycles,
motorized scooters, motorized bicycles, power
cycles and any other similar motorized vehicles
awaiting assignment or reassignment.
a. Private Passenger
(1) Autos Class 3
(2) Motorcycles, motorized
scooters, motorized
bicycles, powercycles and
any other similar
motorized vehicles with an
unladen weight not in
excess of 300 lbs.
.50 of
Class 3
(3) Autos described in (2)
above with a gross
unladen weight of 300 lbs.
Class 3
b. Truck, Tractor and Trailer—Multiply the base
rates in the Truck, Tractor, Trailer Rate
Section by the factor indicated.
Factor
(1) Truck 2.50
(2) Tractor 4.65
(3) Trailer—Load capacity over
2,000 lbs.
1.00
(4) Semi-trailer—Load capacity
over 2,000 lbs.
.50
(5) Service and utility trailer—
Load capacity 2,000 lbs. and
under
.10
(6) Motorcycles, motorized
scooters, motorized
bicycles, powercycles and
any other similar motorized
vehicles with an unladen
weight not in excess of 300
lbs.
1.25
(7) Autos described in (6) above 2.50
with a gross unladen weight
in excess of 300 lbs.
(8) Mobile Home Trailers .40
2. Specified auto basis—Short Term—Coverage
for Owner and Rentee (Autos rented less than
one year)
a. Trucks, tractors, and trailers—Multiply the
base rates in the
Truck, Tractor, Trailer Rate
Section by the following factors:
Code Liability
Trucks 7211 4.00
Tractors 7212 5.00
Trailers and Semi-
trailers—load capacity
Over 2,000 lbs.
7213 1.00
Service and utility
trailers—load capacity
2,000 lbs. and under
7213 .25
Mobile Home Trailers 7963 .80
b. Private passenger autos (Class Code 7214)—
Multiply the Class 3 rates in the Private
Passenger Rate Section by a factor of 3.00.
c. Special types (Class Code 7216)—
Motorcycles, motorbikes, and other similar
autos—Multiply the rates developed in the
Motorcycle rule (Rule 79) by a factor of 4.00.
d. Auto service operations or trailer sales—
Charge the Class 3 rates in the Private
Passenger Rate Section.
e. Motorhomes (Class Code 7215)—Multiply the
rates developed in the Motorhomes rule (Rule
80) by a factor of 2.00.
f. Rent-it-here/leave-it-there autos—The policy
shall be endorsed to exclude coverage for the
owner or rentee of any “rent-it-here/leave-it-
there” auto not owned by the named insured.
Rule 79. MOTORCYCLES—COMMERCIAL
(Class Code 7942)
A. Definition
Motorcycles, mopeds, motorscooters, motorbikes, go-
carts and any other similar autos.
B. Business Use Motorcycles
1. Liability—Apply the appropriate factor from the
table below to Class 3 rates in the Private
Passenger Rate Section.
Engine Size
(cc)
Factor applied to Private
Passenger Class 3
0–100 .29
101–200 .33
201–360 .59
361–500 .65
501–800 .76
801–1,000 .85
Over 1,000 +.10 for each 200cc or
fraction over 1,000 cc
2. Personal injury protection—Use personal injury
protection table in the Truck, Tractor, Trailer Rate
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
April 26, 2005 Draft C-36 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
Section. Enter the table based on the basic limits
bodily injury rate for private passenger autos.
Multiply the premium determined by 2.00.
3. Uninsured/Underinsured Motorists—Refer to the
Uninsured/Underinsured Motorists rule (Rule 7)
and multiply the premium so determined by 2.00.
C. Pleasure and Drive to and From Work Motorcycles
1. Written on a Commercial Policy
a. Liability—Apply the appropriate factor from the
table below to Class 3 rates in the Private
Passenger Rate Section.
Engine
Size (cc)
Operator
Under
Age 25 Code
All Other
Operators Code
0–100 0.60 9221 0.45 9231
101–200 0.75 9222 0.60 9232
201–360 1.05 9223 0.90 9233
361–500 1.20 9224 1.05 9234
501–800 1.35 9225 1.20 9235
801–1,000 1.45 9226 1.30 9236
Over 1,000 +.10 for
each
200cc or
fraction
over
1,000 cc
+.10 for
each 200cc
or fraction
over 1,000
cc
b. Personal injury protection—Multiply the Class
1A premium shown in Table A of the Private
Passenger Rate Section by 2.00.
c. Uninsured/Underinsured Motorists—Refer to
the Uninsured/Underinsured Motorists rule
(Rule 7) and multiply the premium so
determined by 2.00.
2. Written on a Personal Auto Policy
Refer to the Motorcycles rule (Rule 38).
Rule 80. MOTORHOMES—COMMERCIAL
A. Definition
1. Self-propelled motor vehicles with a living area that
is an integral part of the vehicle chassis. The living
area must consist of facilities for cooking and
sleeping.
2. A pickup used solely to transport a permanently
attached camper body.
3. A self-propelled motor vehicle not described above
but that is used primarily for recreational camping.
Note: Removable or slip-in campers or trucks
equipped with camper shells are not eligible
for this Rule.
B. Motorhomes written on a Commercial Policy
1. Liability
Apply a factor of 1.00 (not more than 22 feet Class
Code 7960 or pickup used solely to transport
camper body—Class Code 7962) or 1.60 (more
than 22 feet Class Code 7961) to the appropriate
base rates in the Truck, Tractor, Trailer Rate
Section.
2. Personal injury protection
Use the bodily injury rates developed above to
determine the Personal Injury Protection Rate from
the Personal Injury Protection Table in the Truck,
Tractor, Trailer Rate Section.
C. Motorhomes written on a Personal Auto Policy
Refer to the Motorhomes rule (Rule 37).
Rule 81. ALL TERRAIN VEHICLES—
COMMERCIAL (Class Code 9590)
A. Definition
Four or six wheel autos equipped with balloon tires or
crawler treads, designed for use on rugged terrain or
rugged terrain and water.
B. Written on a Commercial Policy
1. Used for Business
a. Liability—Multiply the Class 3 rates in the
Private Passenger Rate Section by the
following factors:
Engine Size cc Factors
000–100 .29
101–200 .38
201–360 .59
361–500 .65
501–800 .76
801–1,000 .85
over 1,000 +.10 for each
200cc or
fraction over
1,000cc
b. Personal injury protection—Multiply the Class
3 rate from Table A of the Private Passenger
Rate Section by 2.00.
2. Used for Pleasure or Drive to and from Work
a. Liability—Multiply the Class 3 rates in the
Private Passenger Rate Section by .50
b. Personal injury protection—Multiply the Class
3 rate from Table A, of the Private Passenger
Rate Section by 2.00.
C. Written on a Personal Auto Policy
Refer to the All-Terrain Vehicles rule (Rule 40).
Rule 82. GOLF CARTS—COMMERCIAL (Class
Code 9460)
A. Definition
Three or four wheel autos with limited speed
capabilities designed to carry golfers and their
equipment around a golf course.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
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B. Written on a Commercial Policy
1. Used for Business (other than for transportation
of passengers in connection with such business, or
rented or leased to others)
a. Liability—Multiply base rates in the Truck,
Tractor, Trailer Rate Section by .50.
b. Personal injury protection—Charge the Class
3 rate from Table A of the Private Passenger
Rate Section.
2. Used for Pleasure or Drive to and from Work
a. Liability—Multiply the Class 3 rates in the
Private Passenger Rate Section by .25.
b. Personal injury protection—Charge the Class
3 rate from Table A of the Private Passenger
Rate Section.
C. Written on a Personal Auto Policy
Refer to the Golf Carts rule (Rule 42).
Rule 83. ANTIQUE, COLLECTIBLE AND
SPECIAL INTEREST AUTOS—
COMMERCIAL (Class Code 9620)
A. Definition
Autos that are:
1. maintained primarily for use in exhibitions, club
activities, parades and other functions of public
interest and
2. occasionally used for other purposes.
B. Written on a Commercial Policy
1. Liability— Multiply the Class 3 rates in the Private
Passenger Rate Section by .25.
2. Personal injury protection—Charge .25 of the
Class 3 rate from the appropriate table in the
Private Passenger Rate Section.
C. Written on a Personal Auto Policy
Refer to the Antique, Collectible and Special Interest
Autos rule (Rule 43).
Rule 84. TRAILERS DESIGNED FOR USE WITH
PRIVATE PASSENGER AUTOS OR
UTILITY TYPE AUTOS—COMMERCIAL
A. Commercial Policies
1. Liability
a. Trailers with a load capacity of 2,000 pounds
or less designed primarily for travel on public
roads are provided liability coverage without
specific description or premium charge.
b. All other trailers designed for use with private
passenger autos or utility type autos as
defined in the Definitions rule (Rule 30) of the
Private Passenger Chapter—Multiply the base
rates in the Truck, Tractor, Trailer Rate
Section by .40.
2. Personal injury protection
Use the Bodily Injury base rates in the Truck,
Tractor, Trailer Rate Section multiplied by 1.60 to
enter the Personal Injury Protection table in the
Truck, Tractor, Trailer Rate Section.
B. Personal Auto Policies
For trailers designed for use with private passenger
autos or utility type autos as defined in the Definitions
rule (Rule 30) of the Private Passenger Chapter
covered under a personal auto policy, refer to the
Trailers Designed For Use With Private Passenger
Autos Or Utility Type Autos rule (Rule 36).
Rule 85. MOBILE HOME TRAILERS (Class Code
7963)
A. Mobile homes trailers are trailers that meet both of the
following criteria:
1. They are equipped with living quarters including
cooking, dining, sleeping facilities and plumbing or
refrigeration.
2. They are designed to be pulled by other than a
private passenger or utility type auto as defined in
the Definitions rule (Rule 30) of the Private
Passenger Chapter.
B. Premium Development
1. Liability
Multiply the base rates in the Truck, Tractor, Trailer
Rate Section by a factor of .40.
2. Personal injury protection
Use the Bodily Injury base rates in the Truck,
Tractor, Trailer Rate Section multiplied by 1.60 to
enter the Personal Injury Protection table in the
Truck, Tractor, Trailer Rate Section.
Rule 86. NAMED OPERATOR OR SPECIFIED
AUTO BASIS (Class Code 7070)
A. This Rule is not available to cover finance companies
and banks for the repossession and resale of financed
autos. Refer to the Repossessed Autos rule (Rule 87).
B. This Rule provides for coverage on the named operator
or specified auto basis under the Business Auto
Coverage Form. This Rule is intended for risks
employing one or two drivers or operating one or two
autos; where the operations are more extensive a
Garage Coverage form is preferable. The rates
provided for in paragraph C and D below shall be the
applicable rates for the territory in which the garage
business is located.
C. Named Operator Basis
1. Named Operators may be insured for the operation
of any auto at a rate of twice the Class 3 for private
passenger for each named operator.
2. Named operators may be insured for the operation
of non-owned autos only at the Class 3 private
passenger rate for each named operator.
3. Personal injury protection may be provided for the
operation of an owned auto only, for each named
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
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November 8, 2004 Draft C-38 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
operator afforded bodily injury liability coverage at
the personal injury protection coverage premium
for a Class 3 private passenger auto.
4. It is not permissible to audit such a policy in order
to determine the number of operators on which to
base the premium; nor shall the policy provide
automatic coverage for substitutes or successors in
the event of illness or discharge of named
operators.
D. Specified Auto Basis
1. Autos owned by the named insured may be insured
on the specified auto basis at the following rates:
a. Private passenger autos—Refer to the Private
Passenger Rate Section and charge rate for
Class 3 private passenger.
b. Trucks, Tractors, and Trailers—Refer to the
Trucks, Tractors And Trailers Subchapter.
For personal injury protection coverage charge the
applicable Class 3 private passenger or truck,
tractor, trailer premium.
2. Autos not owned by the named insured may be
insured on the specified auto basis at the following
rates:
a. Private passenger autos—Refer to the Private
Passenger Rate Section and charge rate for
Class 3 private passenger.
b. Trucks, Tractors, and Trailers—Refer to the
Trucks, Tractors And Trailers Subchapter.
Rule 87. REPOSSESSED AUTOS (Class Code
7925)
A. Eligibility
1. This Rule does not apply to autos that finance
companies and banks own or operate for their own
business or pleasure purposes. Insure such autos
according to the regular use of the auto.
2. Auto finance companies and banks may be insured
for the repossession and use in connection with
reselling autos.
B. Named Operator Policy—The policy shall be amended
by the appropriate endorsement designating the person
or persons who will be using or operating such autos.
The rate per named operator shall be the class 3
private passenger rate for the rating territory in which
the named operator resides.
Minimum Premium
Bodily Injury
$20/40
Property Damage
$15,000
$17 $6
C. Premium Development
1. Liability
a. Apply the appropriate factor from the table
below to the Class 3 private passenger rate
per repossessed auto. Refer to the Private
Passenger Rate Section.
Bodily Injury
$20/40
Property Damage
$15,000
.04 .02
b. To determine the advance premium, multiply
the estimated number of autos repossessed
annually by the rate per auto.
c. To determine the earned premium, multiply the
total number of autos repossessed during the
policy period by the rates in force at the policy
inception.
2. For personal injury protection coverage, determine
the premium or rate based on bodily injury
premium or rate as above.
Rule 88. SPECIAL OR MOBILE EQUIPMENT
A. Land motor vehicles other than farm equipment
(Class code 7906)
1. The vehicles described below must be covered on
an auto policy.
Self-propelled vehicles not described in paragraph
2.a, b, c or d below with the following types of
permanently attached equipment.
a. Equipment designed primarily for:
(1) Snow removal;
(2) Road and right-of-way maintenance, but
not construction or resurfacing;
(3) Street cleaning;
b. Cherry pickers and similar devices mounted on
auto or truck chassis and used to raise or
lower workers; and
c. Air compressors, pumps and generators,
including spraying, welding, building cleaning,
geophysical exploration, lighting and well
servicing equipment.
Note: Operations coverage is not provided
under an auto coverage part for
equipment listed in b and c above.
2. The following should be written on a General
Liability policy; however, if the insured does not
have general liability coverage, then coverage shall
be provided on an auto policy. Operations
coverage is not provided on an auto policy.
a. Bulldozers, forklifts, and other vehicles
designed for use principally off public roads;
b. Vehicles maintained for use solely on or next
to premises the insured owns or rents;
c. Vehicles that travel on crawler treads;
d. Vehicles maintained primarily to provide
mobility to permanently mounted:
(1) Power cranes, shovels, loaders, diggers
or drills; or
(2) Road construction or resurfacing
equipment such as graders, scrapers or
rollers;
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
ORIGINAL PRINTING C-39 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
e. Vehicles not described in a, b, c, or d above
that are not self propelled and are maintained
primarily to provide mobility to permanently
attached equipment of the following types:
(1) Air compressors, pumps and generators,
including spraying, welding, building
cleanings, geophysical exploration,
lighting and well servicing equipment; or
(2) Cherry pickers and similar devices used to
raise and lower workers.
f. Vehicles not described in 1 or 2.a, b, c, d and
e above maintained primarily for purposes
other than the transportation of persons or
cargo.
3. Premium Development
Liability—Multiply the fleet or non-fleet truck,
tractor, trailer base rate by the appropriate rating
factor.
Class
code Description
Rating
Factor
7906 Power cranes, shovels,
loaders, diggers, drills, road
construction or resurfacing
equipment such as graders,
scrapers, rollers, oilers, tar
spreaders, road and right-of-
way maintenance equipment,
snow removal, street cleaning
equipment, cherry pickers and
similar devices used to raise
and lower workers, air
compressors, pumps and
generators, including
spraying, welding, building,
cleaning, geophysical
exploration, lighting and well
service equipment and
concrete mixers ( other than
trucks equipped with agitator
for mixing concrete in transit)
1.00
7906 Baggage or freight trucks—
Specially-constructed trucks
or tractors used to carry
baggage or freight at a dock,
railroad station or terminal,
bus station or terminal, or
airport, operated between
such places or on the ways
contiguous thereto and while
at the place of garaging or
operated to or from such
place of garaging or servicing.
B.I. .20
P.D. .10
Trailers or semi-trailers used
as attachments to baggage or
freight trucks or tractors
B.I., P.D.
.25 of
above
rates
7906 Industrial trucks and trucks
and tractors used on
premises—Trucks and
tractors, including specially
constructed truck or tractor
B.I. .15
P.D. .05
Class
code Description
Rating
Factor
units, usually low four-wheel
gas or electric trucks, used
only on the named insureds
premises, on the ways
continuous thereto, and while
at the place of garaging or
servicing.
The foregoing rates apply to
trucks and tractors and
industrial trucks owned by a
political subdivision, provided
such autos are used at
specific premises or locations
owned or maintained by the
political subdivision.
Trailers or semi-trailers used
as attachments to the
foregoing trucks, tractors or
industrial trucks
B.I., P.D.
.25 of
above
rates
B.
Farm Equipment (Class Code 7907
)
1. Eligibility—This section applies to farm tractors,
harvesting combines, power driven lawn mowers
and other self-propelled farm equipment used for
farming purposes.
2. Liability—Multiply the appropriate factor by the
truck, tractor, trailer base premium fleet or non-
fleet.
Class
code
Description
Rating
Factor
7907 Farm-type tractors or power
d
riv
e
n l
a
wn m
o
w
e
r
s
a. A farm-type tractor owned
by a farmer or rancher and
principally used in
connection with the
operation or maintenance
of his or her own farm or
ranch shall be rated as
follows:
B.I. .10
P.D. .03
7908 b. A farm-type tractor
used for custom
farming operations
1.00
Liability coverage for the
attachment of trailers and
semi-trailers including farm
wagons, and for agricultural
or farm implements shall be
excluded, but such
coverage shall not extend
to the operation of farm
machinery.
c. Power driven lawn
mowers shall be rated
as follows:
B.I. .10
P.D..03
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
April 27, 2005 Draft C-40 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
Class
code Description
Rating
Factor
7907 Harvesting combines, self-
propelled
The liability insurance afforded
by the policy with respect to
self- propelled harvesting
combines shall also apply to a
trailer or semi-trailer when used
in connection with such
vehicles, including farm wagons
and farm implements, but not to
an office, store display or
passenger trailer. Coverage
shall not extend to the operation
of farm machinery.
1.60
The liability coverage on a policy that covers self-
propelled farm equipment must apply at no additional
charge to trailers, farm wagons and farm implements
used with such autos. The coverage does not apply to
farm machinery.
Rule 89. AMPHIBIOUS EQUIPMENT—
COMMERCIAL
This Rule applies to autos designed to operate on both land
and water.
A. Written on a Commercial Policy ⓔ
Rate as land autos according to their use.
B. Written on a Personal Auto Policy
Refer to the Amphibious Equipment—Commercial rule
(Rule 44).
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
ORIGINAL PRINTING C-41 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
ENDORSEMENT REFERENCES
Endorsement
Rule Title Number
72 Emergency Use Excluded TE 20 30A
72, 75, 77 Emergency Vehicles—Volunteer Firefighters’ And Workers’ Injuries TE 20 07A
72, 75, 76, 77 Professional Services Not Covered TE 20 18
73 Driving Schools (Other Than Public Schools) TE 20 06A
74 Drive-Away Contractor–Named Operator TE 20 33A
74 Drive-Away Contractors TE 20 05A
78 Leasing or Rental Concerns–Rent-lt-Here/Leave-It-There Autos TE 20 12A
78 Leasing or Rental Concerns–Schedule of Limits For Owned Autos TE 20 13A
83 Antique, Collectible or Special Interest Auto TE 20 32B
86 Named Operator Coverage (Any Auto) TE 99 84A
86 Named Operator Coverage (Non-Owned Autos Only) TE 99 85A
86 Personal Injury Protection Endorsement—Texas TE 04 01C
86 Specified Non-Owned Auto
TE 99 86A
87 Repossessed Autos TE 20 19A
87 Repossessed Autos–Named Operator TE 20 44B
88 Exclusion of Equipment, Specially Constructed Vehicles and Vehicles With
Permanently Mounted Special Equipment
TE 20 45A
88 Farm Tractors and Farm Tractors Equipment TE 20 08
88 Mobile Equipment TE 20 15A
89 Amphibious Vehicles TE 20 31A
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
SPECIAL TYPES
Effective December 1, 2004 C-42 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
NOTES
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING CR-1 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
TRUCK, TRACTOR, TRAILER RATE SECTION
LIABILITY BASE RATES
(FLEET OR NON-FLEET)
Territory
$20,000/40,000
Bodily Injury
$15,000
Property
Damage
1 $357 $374
2 340 378
3 272 263
4 253 291
5 262 173
6 223 206
7 247 162
10 134 183
11 138 178
12 165 161
13 151 183
14 125 165
16 141 157
20 99 139
21 206 215
22 245 236
23 266 363
24 137 188
27 229 302
28 256 381
31 157 197
32 136 154
34 181 211
37 238 221
38 319 303
39 206 223
40 291 284
41 159 186
42 172 203
43 182 212
44 159 158
45 201 290
46 137 209
47 163 177
48 155 158
49 218 206
51 142 174
52 161 248
53 135 184
54 178 164
55 190 135
56 187 136
57 229 158
58 131 119
59 147 158
60 143 164
61 92 105
62 75 100
63 133 159
64 122 128
65 68 97
66 181 227
PERSONAL INJURY PROTECTION BASE RATES
Bodily Injury
($20/40) Class
Rate
$2,500 Per Person
Personal Injury Protection
Rate
$0-33.99 $7
34-45.99 8
46-60.99 9
61-90.99 10
91-120.99 12
121-147.99 12
148-177.99 13
178-237.99 15
238-297.99 18
298-354.99 22
355-476.99 26
477-605.99 30
606 & Over 34
TRUCK, TRACTOR, TRAILER
UNINSURED/UNDERINSURED MOTORISTS COVERAGE
RATES
$20/40 Bodily Injury
Territories 01, 02, 03, 04,
05, 06, 07, 12, 21, 22
All Other
$15,000
Property
Damage
$38 $26 $27
Note: Add $1 for the first auto or dealer's plate for
an individual or husband and wife and for
each designated person.
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
Effective December 1, 2004 CR-2 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
PUBLIC TRANSPORTATION AUTO RATE SECTION
PUBLIC AUTO RATES
$20,000/40,000/15,000 Liability
Taxis and
Limousines
School and
Church Buses
Other Buses
Van Pools
Territory
Bodily
Injury
Property
Damage
Bodily
Injury
Property
Damage
Bodily
Injury
Property
Damage
Bodily
Injury
Property
Damage
1 $1,689 $1,769 $139 $146 $1,014 $1,062 $318 $333
2 1,608 1,788 133 147 966 1,074 303 336
3 1,287 1,244 106 103 772 747 242 234
4 1,197 1,376 99 113 719 826 225 259
5 1,239 818 102 67 744 491 233 154
6 1,055 974 87 80 633 585 198 183
7 1,168 766 96 63 701 460 220 144
10 634 866 52 71 381 520 119 163
11 653 842 54 69 392 506 123 158
12 780 762 64 63 469 457 147 143
13 714 866 59 71 429 520 134 163
14 591 780 49 64 355 469 111 147
16 667 743 55 61 400 446 125 140
20 468 657 39 54 281 395 88 124
21 974 1,017 80 84 585 611 183 191
22 1,159 1,116 96 92 696 670 218 210
23 1,258 1,717 104 142 755 1,031 237 323
24 648 889 53 73 389 534 122 167
27 1,083 1,428 89 118 650 858 204 269
28 1,211 1,802 100 149 727 1,082 228 339
31 743 932 61 77 446 559 140 175
32 643 728 53 60 386 437 121 137
34 856 998 71 82 514 599 161 188
37 1,126 1,045 93 86 676 628 212 197
38 1,509 1,433 124 118 906 861 284 270
39 974 1,055 80 87 585 633 183 198
40 1,376 1,343 113 111 826 807 259 253
41 752 880 62 73 452 528 142 166
42 814 960 67 79 488 577 153 181
43 861 1,003 71 83 517 602 162 189
44 752 747 62 62 452 449 142 141
45 951 1,372 78 113 571 824 179 258
46 648 989 53 82 389 594 122 186
47 771 837 64 69 463 503 145 158
48 733 747 60 62 440 449 138 141
49 1,031 974 85 80 619 585 194 183
51 672 823 55 68 403 494 126 155
52 762 1,173 63 97 457 704 143 221
53 639 870 53 72 383 523 120 164
54 842 776 69 64 506 466 158 146
55 899 639 74 53 540 383 169 120
56 885 643 73 53 531 386 166 121
57 1,083 747 89 62 650 449 204 141
58 620 563 51 46 372 338 117 106
59 695 747 57 62 417 449 131 141
60 676 776 56 64 406 466 127 146
61 435 497 36 41 261 298 82 93
62 355 473 29 39 213 284 67 89
63 629 752 52 62 378 452 118 142
64 577 605 48 50 346 364 109 114
65 322 459 27 38 193 275 61 86
66 856 1,074 71 89 514 645 161 202
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
ORIGINAL PRINTING CR-3 Effective December 1, 2004
COPYRIGHT – TAIPA - 2004
Public Auto Other Than School Bus
PERSONAL INJURY PROTECTION Rates
Bodily Injury
($20/40) Class
Rate
$2,500 Per Person
Personal Injury Protection
Rate
$0-33.99 $7
34-45.99 8
46-60.99 9
61-90.99 10
91-120.99 12
121-147.99 12
148-177.99 13
178-237.99 15
238-297.99 18
298-354.99 22
355-476.99 26
477-605.99 30
606 & Over 34
Public Auto—School Bus
PERSONAL INJURY PROTECTION Rates
$2,500 Per Person
Personal Injury Protection
Rate
Bodily
Injury
($20/40)
Class Rate
Private
Passenger Type
Commercial or
Bus Type
$0–33.99 $5 $6
34–45.99 6 6
46–60.99 6 7
61 & Over 8 8
PUBLIC AUTO UNINSURED/UNDERINSURED
MOTORISTS COVERAGE RATES
$20/40 Bodily Injury
Territories 01, 02, 03,
04, 05, 06, 07, 12, 21, 22
All
Other
$15,000
Property
Damage
$38 $26 $27
Note: Add $1 for the first auto or dealer's plate for
an individual or husband and wife and for
each designated person.
TITLE NUMBER
Additional Insured TE 9901B
Additional Insured - Lessor 510A
Additional Insured - Lessor TE 2002A
Amendatory Endorsement - Texas TE 0039B
Amendatory Endorsement - Texas TE 0040B
Amendment to Termination Provision 544C
Amphibious Auto or Amph.Mobile Home Trailer. 514
Amphibious Vehicles TE 2031A
Amusement Devices Mounted On Commercial Autos TE 2325A
Antique, Collectible & Special Interest Auto TE 2032B
Antique, Collectible, & Special Interest Auto 586A
Calculation of Premium-Other Than 12 Month Policies TE 9900A
Cancellation Provision or Coverage Change Endorsement TE 0202A
Cancellation Provision or Coverage Change Endorsement 541
Cap on Losses From Acts of TerrorismPursuant to the Terrorism Insurance Act of 2002
TE 9988
Christian Science Care
TE 9975A
Christian Science Care
567
Cotton Trailers TE 2328A
Designation of Covered Person or Organization 512A
Drive-Away Contractor-Named Operator TE 2033A
Drive-Away Contractors TE 2005A
Driving Schools (Other than Public Schools) TE 2006A
Emergency Use Excluded TE 2030A
Emergency Vehs-Volunteer Firefighters & Workers Injuries TE 2007A
Excl.of Equip Specially Constructed Vehs.& Vehs With Perm etc. TE 2045A
Exclusion of Acts of Terrorism as Defined in the Terrorism Risk Insurance Act of 2002
TE 9987
Exclusion of Named Driver & Partial Rejection of Coverages TE 9941B
Exclusion of Named Driver & Partial Rejection of Coverages 515A
Exclusion of Named Driver & Partial Rejection of Coverages-Limited TE 9942B
Exclusion of Named Driver & Partial Rejection of Coverages-Limited
516B
Farm Tractors & Farm Tractors Equipment TE 2008
Farm Trailers TE 2329A
Federal Employees Using Autos In Government Business 513
Federal Employees Using Vehicle In Government Business TE 9912A
Financial Responsibility Certification-SR-22 Filing TE 9982B
Financial Responsibility Certification-SR-22 Filing 571A
Fleet Schedule-Liability and Physical Damage
TE 9976B
General Change Endorsement TE 9904A
Governmental Bodies Amendatory Endorsement
TE 9915A
Governmental Units
TE 9980B
Hired Autos Specified as Covered Autos You Own TE 9916
Individual Named Insured TE 9917H
Leasing & Rental Concerns-Rent it Here/Leave it There Autos TE 2012A
Leasing & Rental Concerns-Schedule of Limits Owned Autos TE 2013A
Loaned Or Rented Trailers TE 2319A
LPG Licensee – Motor Vehicle Endorsement Texas Railroad Commission Form TE 2326A
Mexico Coverage Limited TE 0406B
Mexico Coverage Limited 551
Miscellaneous Type Vehicle Endorsement 583D
Mobile Equipment TE 2015A
Moving Vans Or Trucks – Agent TE 2306A
Multi Purpose Equipment TE 2303
Named Non-Owner Coverage 578A
INDEX OF ENDORSEMENTS
Endorsements for use with policies affording coverage assigned through TAIPA
TITLE NUMBER
Named Operator Coverage (Non-Owned Auto Only) TE 9985A
Named Operator Coverages (Any Auto) TE 9984A
Named Operator Government Employee 579A
Nuclear Energy Liability Exclusion Endorsement-Broad Form
IL 0021
Personal Injury Protection TE 0401C
Policy Change
540A
Policy Change
TE 9977A
Professional Services Not Covered TE 2018
Public Autos-Passenger Hazard Excluded TE 2409A
Public Transportation Automobiles TE 2402
Reinstatement of Insurance TE 0238A
Reinstatement of Insurance 543
Repossessed Autos TE 2019A
Repossessed Autos-Named Operator TE 2044B
Rolling Stores TE 2304
Rural Electrification Cooperative Endorsement
TE 9971A
Specified Non Owned Autos. TE 9986A
Split Liability Limits 501A
Split Liability Limits TE 9927B
State Departments Endorsement (To comply with Statute Article 6252-19a Vernons Tx.Civ.St.)
TE 9972A
Supplementary Death Benefit TE 9960A
Supplementary Death Benefit 573A
Suspension of Insurance TE 0240A
Suspension of Insurance 542
Texas Department of Corrections Endorsement(To Comply with Statute Article 6252-19a Vernons Tx.Civ.St.)
TE 9973A
Texas Highway Department Endorsement(To Comply with Statute Article 6252.19a Vernons Tx.Civ.St.)
TE 9974A
Texas Personal Auto Policy-Amendatory Endorsement
593E
Truckers Endorsement. TE 2320E
Truckers-Hauling For One Concern Under Long Term Contract TE 2321A
Truckers-Insurance For Non-Trucking Use TE 2309
Uninsured/Underinsured Motorists TE 0409D
Uninsured/Underinsured Motorists -Split Limits 503A
Wrong Delivery of Liquid Products TE 2305
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
Effective December 1, 2004 CR-4 ORIGINAL PRINTING
COPYRIGHT – TAIPA - 2004
NOTES
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
EFFECTIVE DATES
a September 1, 2005 Distribution
GENERAL RULES CHAPTER
Rule 1. December 1, 2004
Rule 2. December 1, 2004
Rule 3. December 1, 2004
Rule 4. December 1, 2004
Rule 5. December 1, 2004
Rule 6. December 1, 2004
Rule 7. December 1, 2004
Rule 8. December 1, 2004
Rule 9. December 1, 2004
Rule 10. December 1, 2004
Rule 11. December 1, 2004
Rule 12. December 1, 2004
Rule 13. December 1, 2004
Rule 14. Reserved for Future Use
Rule 15. Reserved for Future Use
Rule 16. Reserved for Future Use
Rule 17. Reserved for Future Use
Rule 18. Reserved for Future Use
Rule 19. Reserved for Future Use
Rule 20. Reserved for Future Use
Rule 21. Reserved for Future Use
Rule 22. Reserved for Future Use
Rule 23. Reserved for Future Use
Rule 24. Reserved for Future Use
Rule 25. Reserved for Future Use
Rule 26. Reserved for Future Use
Rule 27. Reserved for Future Use
Rule 28. Reserved for Future Use
Rule 29. Reserved for Future Use
PRIVATE PASSENGER CHAPTER
Rule 30. December 1, 2004
Rule 31. December 1, 2004
Rule 32. December 1, 2004
Rule 33. December 1, 2004
Rule 34. December 1, 2004
Rule 35. December 1, 2004
Rule 36. December 1, 2004
Rule 37. December 1, 2004
Rule 38. December 1, 2004
Rule 39. December 1, 2004
Rule 40. December 1, 2004
Rule 41. December 1, 2004
Rule 42. December 1, 2004
Rule 43. December 1, 2004
Rule 44. December 1, 2004
Rule 45. December 1, 2004
Rule 46. Reserved for Future Use
Rule 47. Reserved for Future Use
Rule 48. Reserved for Future Use
Rule 49. Reserved for Future Use
COMMERCIAL AUTO CHAPTER
Rule 50. December 1, 2004
Rule 51. December 1, 2004
Rule 52. December 1, 2004
Rule 53. December 1, 2004
Rule 54. December 1, 2004
Rule 55. Reserved for Future Use
Rule 56. Reserved for Future Use
Rule 57. Reserved for Future Use
Rule 58. Reserved for Future Use
Rule 59. Reserved for Future Use
PUBLIC TRANSPORTATION SUBCHAPTER
Rule 60. December 1, 2004
Rule 61. December 1, 2004
Rule 62. December 1, 2004
Rule 63. December 1, 2004
Rule 64. December 1, 2004
Rule 65. Reserved for Future Use
Rule 66. Reserved for Future Use
Rule 67. Reserved for Future Use
Rule 68. Reserved for Future Use
Rule 69. Reserved for Future Use
SPECIAL TYPES AND OPERATIONS
SUBCHAPTER
Rule 70. December 1, 2004
Rule 71. December 1, 2004
Rule 72. December 1, 2004
Rule 73. December 1, 2004
Rule 74. December 1, 2004
Rule 75. December 1, 2004
Rule 76. December 1, 2004
Rule 77. December 1, 2004
TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION MANUAL
EFFECTIVE DATES
b September 1, 2005 Distribution
SPECIAL TYPES AND OPERATIONS
SUBCHAPTER (Continued)
Rule 78. December 1, 2004
Rule 79. December 1, 2004
Rule 80. December 1, 2004
Rule 81. December 1, 2004
Rule 82. December 1, 2004
Rule 83. December 1, 2004
Rule 84. December 1, 2004
Rule 85. December 1, 2004
Rule 86. December 1, 2004
Rule 87. December 1, 2004
Rule 88. December 1, 2004
Rule 89. December 1, 2004
WORKSHEETS
Private Passenger Auto Rating Worksheet
Experience Rating Worksheet
Trucks, Tractors, and Trailers Other Than Zone Rated Worksheet
Trucks, Tractors, and Trailers Zone Rated Worksheet
Public Transportation Autos Other Than Zone Rated Worksheet
Zone Rated Public Transportation Autos Worksheet
December 1, 2004
December 1, 2004
December 1, 2004
December 1, 2004
December 1, 2004
December 1, 2004
RATES
Private Passenger Auto Liability Rates
Private Passenger Personal Injury Protection Rates
Private Passenger Uninsured/Underinsured Motorists Coverage Rates
Trucks, Tractors, and Trailers Liability Base Rates
Trucks, Tractors, and Trailers Personal Injury Protection Base Rates
Trucks, Tractors, and Trailers Uninsured/Underinsured Motorists Coverage Rates
September 1, 2005
September 1, 2005
September 1, 2005
December 1, 2004
December 1, 2004
December 1, 2004
