Filing at a Glance - Pennsylvania · RULE 23 PREMIUM DETERMINATION – Performance Car Surcharges - the title Performance Car Surcharges is changed to Performance Car Factor. All

Filing at a Glance

Companies: Erie Insurance CompanyErie Insurance Exchange

Product Name: PA PPA Rates and Rules Filing 6/1/18

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate/Rule

Date Submitted: 01/26/2018

SERFF Tr Num: ERAP-131354894

SERFF Status: Pending Industry Response

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: PAA7

Effective DateRequested (New):

06/01/2018

Effective DateRequested (Renewal):

06/01/2018

Author(s): Deborah Clark, Jane Albert, Michael Sinclair, Beth Merryman

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

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: ERAP-131354894 State Tracking #: Company Tracking #: PAA7

State: Pennsylvania First Filing Company: Erie Insurance Company, ...

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


Project Name/Number: PA PPA Rates and Rules Filing 6/1/18/PAA7

PDF Pipeline for SERFF Tracking Number ERAP-131354894 Generated 02/14/2018 01:12 PM

General Information

Project Name: PA PPA Rates and Rules Filing 6/1/18 Status of Filing in Domicile:

Project Number: PAA7 Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 02/14/2018

State Status Changed: 02/09/2018 Deemer Date:

Created By: Michael Sinclair Submitted By: Michael Sinclair

Corresponding Filing Tracking Number:

Filing Description:

January 26, 2018

Pennsylvania Insurance DepartmentDeputy Office of Rate and Policy Information1326 Strawberry SquareHarrisburg, PA 17120

Acting Insurance Commissioner: Jessica Altman

RE: Filing Revised Private Passenger Auto Rates and Rules Effective 6/1/18 Erie Insurance Exchange, NAIC No. 26271 Erie Insurance Company NAIC No. 26263

Dear Ms. Altman:

Attached are revised Private Passenger Auto Rate and Rule pages effective 6/1/18. The rate filing includes changes to thefollowing:•Base rate changes by coverage and rating zone•Revised Rate Lock (Rate Protection Endorsement) rating factors•Revised Rate Lock cluster definitions•Class Factors•Motorcycle Bike Class factors

The following rule change is being made along with minor editorial changes:

RULE 23 PREMIUM DETERMINATION – Performance Car Surcharges - the title Performance Car Surcharges is changed toPerformance Car Factor. All references to surcharges are changed to factors.

We would like to begin using these revised rate and rule pages with policies effective on and after June 1, 2018. If you haveany questions, please call Kim Myers, Actuary, at (800) 458 0811 ext. 7528 or email her [email protected]. You can also reach me at (800) 458 0811 ext. 4725 or email me [email protected].

Sincerely,







Company and Contact

Filing Fees

State Specific

ERIE INSURANCE GROUP

Beth Merryman, CIC, AINS, AIS, ACSProduct Development Specialist IIProduct Services Department

Filing Contact InformationBeth Merryman, Prod Development Spct [email protected]

100 Erie Insurance Place

Erie, PA 16530

814-870-4725 [Phone]

Filing Company InformationErie Insurance Company


Erie, PA 16530

(800) 458-0811 ext. [Phone]

CoCode: 26263

Group Code: 213

Group Name:

FEIN Number: 25-1232960

State of Domicile:Pennsylvania

Company Type:Property/Casualty

State ID Number:

Erie Insurance Exchange


Erie, PA 16530

(800) 458-0811 ext. [Phone]

CoCode: 26271

Group Code: 213

Group Name:

FEIN Number: 25-6038677

State of Domicile:Pennsylvania

Company Type:Property/Casualty

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:

*Filing Fee Amount: NA*Date Filing Fee Mailed: NA*Filing Fee Check Number: NA*Filing Fee Check Date: NA*NAIC Number: 26271 / 26263







Correspondence Summary Objection Letters and Response LettersObjection Letters Response Letters

Status Created By Created On Date Submitted Responded By Created On Date SubmittedAdditionalInformationNeeded

Xiaofeng Lu 02/14/2018 02/14/2018







Objection Letter Objection Letter Status Additional Information Needed

Objection Letter Date 02/14/2018

Submitted Date 02/14/2018

Respond By Date 02/21/2018

Dear Beth Merryman,

Introduction: The Pennsylvania Insurance Department has begun its review of the above captioned filing. In order to properly review thefiling, we are requesting the following information. To facilitate a timely review, we request this information be provided within 7 daysof the date of this letter.

1.For each filed company, assuming you write more than one personal auto program in each (specific) company in Pennsylvania,please provide the impact of the pending filing on each (specific) company’s total Pennsylvania personal auto book of business.

2.Please provide the information upon which you support ALL proposed rates and factors in the filing. If/where appropriate, pleaseinclude the applicable Excel spreadsheets with cell formulas. Finally, if selected rating values do not equal the indicated ratingvalues, please provide the additional information upon which you support/explain the differences.

3.Please provide rate indications that use the 21% corporate tax rate that will be in place when the rates proposed in this filing will bein effect, and please let us know how you would amend the proposed changes accordingly.

4.Please confirm that the current RPE (policyholders with Rate Lock) customer’s rates will not be changed.

Upon your response with the above requested amendment, the Department will continue to review your filing.

The Department is committed to an expeditious review of your filing, however, the review period of your filing has been extended anadditional thirty (30) days in accordance with Section 2003 of Act 6 of 1990 in the event additional time is required to complete thereview of your filing. If you have any questions or difficulties in responding to the above data request, please call me at (717)783-0693.

Conclusion:

Sincerely,

Xiaofeng Lu







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Neutral

Overall Percentage of Last Rate Revision: 1.200%

Effective Date of Last Rate Revision: 06/01/2017

Filing Method of Last Filing: Prior Approval

SERFF Tracking Number of Last Filing: ERAP-130892644

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Erie Insurance Company 3.100% 1.400% $261,000 11,116 $18,113,000 13.200% -6.500%Erie Insurance Exchange 0.500% -0.100% $-635,000 874,298 $1,169,152,000 20.700% -10.100%







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 PA PPA Rate Pages 1-124 Replacement PA PPA Rate Pages Eff

2018-06-01.pdf2 PA PPA Rule Pages 1-41 Replacement PAPPRL58 6-1-18.pdf







TABLE OF CONTENTS

PRIVATE PASSENGER AUTO RATES ................................................................................................................ 4 ORDER OF CALCULATION - PRIVATE PASSENGER AUTOS ......................................................................4

BI, PD & CSL Calculation – PPA ...................................................................................................................4 First Party Benefits Calculations – PPA ........................................................................................................5

Med Exp Calculation – PPA ......................................................................................................................5 Income Loss Calculation – PPA ................................................................................................................6 Combination Package Calculation – PPA .................................................................................................7 Funeral Expenses Calculation – PPA .......................................................................................................7 Accidental Death Calculation – PPA .........................................................................................................8 Extraordinary Medical Benefits Calculation – PPA ...................................................................................8

UM/UIM Calculation – PPA ...........................................................................................................................9 Comp Calculation – PPA ...............................................................................................................................9 Coll Calculation – PPA ............................................................................................................................... 10 Road Service Calculation ........................................................................................................................... 10 Transportation Expense Calculation – PPA ............................................................................................... 10 ERIE Auto Plus Endorsement .................................................................................................................... 11 New Auto Security Coverage ..................................................................................................................... 11 Rate Protection Endorsement (RPE).......................................................................................................... 11

TERRITORY TO ZONE CONVERSION ......................................................................................................... 12 RULE 29 RATES AND FACTORS - PRIVATE PASSENGER AUTOS .......................................................... 13

Base Rates (A1AL Single) Full Tort, Unstacked - Exchange PPA ............................................................. 13 Base Rates (A1AL Single) Full Tort, Unstacked - Company PPA ............................................................. 16 FPB - Funeral Expenses (Optional)............................................................................................................ 19 FPB - Accidental Death (Optional) ............................................................................................................. 19 FPB - Extraordinary Medical Benefits (Optional) ........................................................................................ 19 Increased Limit Factors – PPA ................................................................................................................... 20 Liability, First Party Benefits, and UM/UIM Symbol Factors ....................................................................... 22

Liability Formula ..................................................................................................................................... 23 Liability – Table 1 ............................................................................................................................... 24 Liability – Table 2 ............................................................................................................................... 25 Liability – Table 3 ............................................................................................................................... 26

First Party Benefits/UM/UIM Formula .................................................................................................... 27 First Party Benefits/UM/UIM – Table 1 .............................................................................................. 28 First Party Benefits/UM/UIM – Table 2 .............................................................................................. 29 First Party Benefits/UM/UIM – Table 3 .............................................................................................. 30

Class Factors, Adults - Liability, FPB & Phy Dam - PPA............................................................................ 31 Multi-Car Discount ...................................................................................................................................... 31 Age 55 & Over Discount ............................................................................................................................. 31 Secondary Rating Class Factors ................................................................................................................ 32

Exchange ............................................................................................................................................... 32 Female ............................................................................................................................................... 32 Male ................................................................................................................................................... 33

Company ................................................................................................................................................ 34 Female ............................................................................................................................................... 34 Male ................................................................................................................................................... 36

Class Factors, Youthful - Liability, FPB & Phy Dam – PPA........................................................................ 38 Youthful Farm Class Factor ........................................................................................................................ 39 Model Year Factors – PPA ......................................................................................................................... 40 2011 > Phy Dam Symbol Factors (Model Years 2011 & Newer) – PPA .................................................... 41 High Valued Vehicle Adjustment Factor (Model Years 2011 & Newer) – PPA .......................................... 42 Phy Dam Symbol Factors (Model Years 2011 & Newer) – Motor Homes and Special Interest Autos ...... 43 2010 < Phy Dam Symbol Factors (Model Years 2010 & Prior) – PPA ...................................................... 44 Phy Dam Symbol Factors (Model Years 2010 & Prior) – High Valued Vehicles ....................................... 45 Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2011 & Newer) – PPA .................. 46 Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2011 & Newer) – Motor Homes and Special Interest Autos ................................................................................................................................. 46 Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2010 & Prior) ................................ 47

PRIVATE PASSENGER AUTO PA RATES

ERIE INSURANCE EXCHANGE ERIE INSURANCE COMPANY

1 EFFECTIVE: 6/1/18

Deductible Factors - PPA ........................................................................................................................... 48 Youthful Driver Discount ............................................................................................................................. 48 Accident Prevention Course Discount Factor ............................................................................................. 48 College Student Discount Factor ................................................................................................................ 48 Passive Restraint Discount Factor ............................................................................................................. 48 Anti-Lock Brake Discount Factor ................................................................................................................ 48 Anti-Theft Discount Factor .......................................................................................................................... 49 Performance Car Factor ............................................................................................................................. 49 Special Motor Home Discount Factor ......................................................................................................... 49 Reduced Usage Factor ............................................................................................................................... 49 Multi-Policy Discount Factor ....................................................................................................................... 49 Limited Tort Factors - Excluding CSL ......................................................................................................... 49 Limited Tort Factors - CSL ......................................................................................................................... 50 Safe Driver Discount ................................................................................................................................... 51 Tier Factor Determination ........................................................................................................................... 52 Tier Factors - Exchange ............................................................................................................................. 53

Inception Date Prior to 3/1/05 ................................................................................................................ 53 Inception Date After 3/1/05 .................................................................................................................... 54

Tier Factors – Company ............................................................................................................................. 55 Inception Date Prior to 3/1/05 ................................................................................................................ 55 Inception Date After 3/1/05 .................................................................................................................... 56

Car Driver Rating Factors ........................................................................................................................... 57 Pay Plan Discount Factor ........................................................................................................................... 57 Advance Quote Discount ............................................................................................................................ 57 Prior Bodily Injury Limits Discount .............................................................................................................. 57 Youthful Driver Longevity Discount ............................................................................................................ 58 Renewal Capping Factor (Renewal Transactions) ..................................................................................... 59 Renewal Capping Factor (Endorsement Transactions) ............................................................................. 60 Road Service Rates .................................................................................................................................... 61 Transportation Expense Rates ................................................................................................................... 61 Non-Owned Endorsement .......................................................................................................................... 61 Rate Protection Endorsement Factors – Liability and Other ...................................................................... 62 Rate Protection Endorsement Factors – Comprehensive and Collision .................................................... 63

MOTORCYCLE RATES ....................................................................................................................................... 65 ORDER OF CALCULATION - MOTORCYCLES ............................................................................................ 65 RATES AND FACTORS - MOTORCYCLES .................................................................................................. 66

Base Rates – Motorcycles .......................................................................................................................... 66 Type of Vehicle Factor - Motorcycles ......................................................................................................... 66 Symbol Factor – Motorcycles ..................................................................................................................... 67 Bike Age Factor – Motorcycles ................................................................................................................... 68 Territory Factor – Motorcycles .................................................................................................................... 69 Marital Status / Age / Gender Factor - Motorcycles ................................................................................. 100 Account Factor – Motorcycles .................................................................................................................. 106 Car Driver Factor ...................................................................................................................................... 106 Advance Quote Discount Factor ............................................................................................................... 106 Prior Collision Factor ................................................................................................................................ 106 Prior Liability Factor .................................................................................................................................. 106 Prior Carrier Factor ................................................................................................................................... 107 Years with ERIE - Motorcycles ................................................................................................................. 107 Bike Class x Driver Age Factor - Liability ................................................................................................. 108 Bike Class x Driver Age Factor - Other .................................................................................................... 109 Bike Class x Driver Age Factor - Comprehensive .................................................................................... 110 Bike Class x Driver Age Factor - Collision ................................................................................................ 111 Bike Class x Bike Age Factor - Liability .................................................................................................... 112 Bike Class x Bike Age Factor - Other ....................................................................................................... 112 Bike Class x Bike Age Factor – Comprehensive ...................................................................................... 113 Bike Class x Bike Age Factor – Collision ................................................................................................. 113 Increased Limit Factor - Motorcycles........................................................................................................ 114 Deductible Factor - Motorcycles ............................................................................................................... 115



2 EFFECTIVE: 6/1/18

Accident Prevention Course Discount Factor - Motorcycles .................................................................... 115 Motorcycle Accessories and Safety Riding Equipment ............................................................................ 116

OFF-ROAD VEHICLE RATES ........................................................................................................................... 117 ORDER OF CALCULATION - OFF-ROAD VEHICLES ................................................................................ 117

BI, PD & CSL Calculation - Off-Road ....................................................................................................... 117 UM/UIM Calculation - Off-Road ................................................................................................................ 117 Comp Calculation - Off-Road ................................................................................................................... 117 Coll Calculation - Off-Road ....................................................................................................................... 117

RATES AND FACTORS - OFF-ROAD VEHICLES ...................................................................................... 118 Base Rates - Liability - Off-Road .............................................................................................................. 118 Base Rates - Phy Dam - Exchange Snowmobiles ................................................................................... 118 Base Rates - Phy Dam - Exchange Other Off-Road ................................................................................ 119 Base Rates - Phy Dam - Company Snowmobiles .................................................................................... 119 Base Rates - Phy Dam - Company Other Off-Road ................................................................................. 120 How to Determine Original Price New - Off-Road .................................................................................... 120

MISCELLANEOUS VEHICLE RATES ............................................................................................................... 121 ORDER OF CALCULATION - BOAT TRAILERS, SNOWMOBILE TRAILERS, RCV TRAILERS, TRAVEL TRAILERS, CAMPER BODIES & UTILITY TRAILERS ................................................................................ 121

Comp Calculation - Boat, Snowmobile, RCV, Travel, Utility Trailers & Camper Bodies .......................... 121 Coll Calculation - Boat, Snowmobile, RCV, Travel, Utility Trailers & Camper Bodies ............................. 121 Base Rates - Boat Trailers, Snowmobile Trailers, and Utility Trailers – Exchange ................................. 122 Base Rates - RCV Trailers, Travel Trailers, and Camper Bodies – Exchange ........................................ 123 Original Price New Factors – Miscellaneous ............................................................................................ 124



3 EFFECTIVE: 6/1/18

PRIVATE PASSENGER AUTO RATES

ORDER OF CALCULATION - PRIVATE PASSENGER AUTOS

Use only those steps which are applicable. Round after each step. BI, PD & CSL Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by Increased Limit Factor. 3. Multiply by Liability Symbol Factor. 4. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to

this factor may include: a. If Farm Class applies to a Youthful Class, see Youthful Farm Class Factor. b. Subtract Multi-Car Discount Factor. c. Subtract Age 55 or Over Discount Factor. d. Add DDP Surcharge to factor. (Refer to Rule 23.)

5. Multiply by Exchange or Company Secondary Class Factor. 6. Multiply by Youthful Driver Discount Factor. 7. Multiply by College Student Discount Factor. 8. Multiply by Anti-Lock Brake Discount Factor. 9. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 10. Multiply by Special Motor Home Discount Factor. (Refer to Rule 26.) 11. Multiply by Limited Tort Factor. 12. Multiply by Reduced Usage/Policy Period Factor. 13. Multiply by Accident Prevention Course Discount Factor (Age 55 and Over). 14. Multiply by Multi-Policy Discount Factor. 15. Multiply by Safe Driver Discount Factor. 16. Multiply by Tier Factor. 17. Multiply by Car Driver Rating Factor. 18. Multiply by Pay Plan Discount Factor. 19. Multiply by Advance Quote Discount Factor. 20. Multiply by Prior Bodily Injury Limits Discount Factor. 21. Multiply by Youthful Driver Longevity Discount Factor. 22. Multiply by Renewal Capping Factor. 23. Add $1 Expense Constant to BI or CSL (Not applicable to Motor Homes, restricted Antiques, or

restricted Classics).



4 EFFECTIVE: 6/1/18

First Party Benefits Calculations – PPA Med Exp Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by Increased Limit Factor. 3. Multiply by FPB/UM/UIM Symbol Factor. 4. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to


5. Multiply by Exchange or Company Secondary Class Factor. 6. Multiply by Youthful Driver Discount Factor. 7. Multiply by College Student Discount Factor. 8. Multiply by Passive Restraints Discount Factor. (Refer to Rule 23.) 9. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 10. Multiply by Special Motor Home Discount Factor (Refer to Rule 26.). 11. Multiply by Limited Tort Factor. 12. Multiply by Reduced Usage/Policy Period Factor. 13. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 14. Multiply by Multi-Policy Discount Factor. 15. Multiply by Tier Factor. 16. Multiply by Car Driver Rating Factor. 17. Multiply by Pay Plan Discount Factor. 18. Multiply by Advance Quote Discount Factor. 19. Multiply by Prior Bodily Injury Limits Discount Factor. 20. Multiply by Youthful Driver Longevity Discount Factor. 21. Multiply by Renewal Capping Factor.



5 EFFECTIVE: 6/1/18

Income Loss Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by Increased Limit Factor. 3. Multiply by FPB/UM/UIM Symbol Factor. 4. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to


5. Multiply by Exchange or Company Secondary Class Factor. 6. Multiply by Youthful Driver Discount Factor. 7. Multiply by College Student Discount Factor. 8. Multiply by Passive Restraints Discount Factor. 9. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 10. Multiply by Special Motor Home Discount Factor. (Refer to Rule 26.). 11. Multiply by Limited Tort Factor. 12. Multiply by Reduced Usage/Policy Period Factor. 13. Multiply by Accident Prevention Course Discount Factor. (Age 55 or Over). 14. Multiply by Multi-Policy Discount Factor. 15. Multiply by Tier Factor. 16. Multiply by Car Driver Rating Factor. 17. Multiply by Pay Plan Discount Factor. 18. Multiply by Advance Quote Discount Factor. 19. Multiply by Prior Bodily Injury Limits Discount Factor. 20. Multiply by Youthful Driver Longevity Discount Factor. 21. Multiply by Renewal Capping Factor.



6 EFFECTIVE: 6/1/18

Combination Package Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by FPB/UM/UIM Symbol Factor. 3. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to


4. Multiply by Exchange or Company Secondary Class Factor. 5. Multiply by Youthful Driver Discount Factor. 6. Multiply by College Student Discount Factor. 7. Multiply by Passive Restraints Discount Factor. 8. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 9. Multiply by Special Motor Home Discount Factor. 10. Multiply by Limited Tort Factor. 11. Multiply by Reduced Usage/Policy Period Factor. 12. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 13. Multiply by Multi-Policy Discount Factor. 14. Multiply by Tier Factor. 15. Multiply by Car Driver Rating Factor. 16. Multiply by Pay Plan Discount Factor. 17. Multiply by Advance Quote Discount Factor. 18. Multiply by Prior Bodily Injury Limits Discount Factor. 19. Multiply by Youthful Driver Longevity Discount Factor. 20. Multiply by Renewal Capping Factor.

Funeral Expenses Calculation – PPA

1. Exchange or Company Funeral Expense Rate by Limit. 2. Multiply by FPB/UM/UIM Symbol Factor. 3. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 4. Multiply by Passive Restraints Discount Factor. 5. Multiply by Limited Tort Factor. 6. Multiply by Tier Factor. 7. Multiply by Pay Plan Discount Factor. 8. Multiply by Advance Quote Discount Factor. 9. Multiply by Prior Bodily Injury Limits Discount Factor. 10. Multiply by Youthful Driver Longevity Discount Factor. 11. Multiply by Renewal Capping Factor.



7 EFFECTIVE: 6/1/18

Accidental Death Calculation – PPA

1. Exchange or Company Accidental Death Rate by Limit. 2. Multiply by FPB/UM/UIM Symbol Factor. 3. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to


4. Multiply by Exchange or Company Secondary Class Factor. 5. Multiply by Youthful Driver Discount Factor. 6. Multiply by College Student Discount Factor. 7. Multiply by Passive Restraints Discount Factor. 8. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 9. Multiply by Special Motor Home Discount Factor. 10. Multiply by Limited Tort Factor. 11. Multiply by Reduced Usage/Policy Period Factor. 12. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 13. Multiply by Multi-Policy Discount Factor. 14. Multiply by Tier Factor. 15. Multiply by Car Driver Rating Factor. 16. Multiply by Pay Plan Discount Factor. 17. Multiply by Advance Quote Discount Factor. 18. Multiply by Prior Bodily Injury Limits Discount Factor. 19. Multiply by Youthful Driver Longevity Discount Factor. 20. Multiply by Renewal Capping Factor.

Extraordinary Medical Benefits Calculation – PPA

1. Exchange or Company Extraordinary Medical Benefits Rate per Auto. 2. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 3. Multiply by Passive Restraints Discount Factor. 4. Multiply by Tier Factor. 5. Multiply by Pay Plan Discount Factor. 6. Multiply by Advance Quote Discount Factor. 7. Multiply by Prior Bodily Injury Limits Discount Factor. 8. Multiply by Youthful Driver Longevity Discount Factor. 9. Multiply by Renewal Capping Factor.



8 EFFECTIVE: 6/1/18

UM/UIM Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by Increased Limit Factor. 3. Multiply by FPB/UM/UIM Symbol Factor. 4. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 5. Multiply by Special Motor Home Discount Factor. 6. Multiply by Limited Tort Factor. 7. Multiply by Tier Factor. 8. Multiply by Car Driver Rating Factor. 9. Multiply by Pay Plan Discount Factor. 10. Multiply by Advance Quote Discount Factor. 11. Multiply by Prior Bodily Injury Limits Discount Factor. 12. Multiply by Youthful Driver Longevity Discount Factor. 13. Multiply by Renewal Capping Factor.

Comp Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by the Model Year Factor. 3. Multiply by Phy Dam Symbol Factor for Model Years 2011 & Newer or Model Years 2010 & Prior. 4. Multiply by the Deductible Factor. 5. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to

this factor may include: a. If Farm Class applies to a Youthful Class, see Youthful Farm Class Factor. b. Subtract Multi-Car Discount Factor. c. Subtract Age 55 or Over Discount Factor.

6. Multiply by Exchange or Company Secondary Class Factor. 7. Multiply by Youthful Driver Discount Factor. 8. Multiply by College Student Discount Factor. 9. Multiply by Anti-Theft Device Discount Factor. 10. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 11. Multiply by Performance Car Surcharge Factor (Model Years 2010 & prior only). 12. Multiply by Limited Tort Factor. 13. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 14. Multiply by Multi-Policy Discount Factor. 15. Multiply by Tier Factor. 16. Multiply by Car Driver Rating Factor. 17. Multiply by Pay Plan Discount Factor. 18. Multiply by Advance Quote Discount Factor. 19. Multiply by Prior Bodily Injury Limits Discount Factor. 20. Multiply by Youthful Driver Longevity Discount Factor. 21. Multiply by Renewal Capping Factor.



9 EFFECTIVE: 6/1/18

Coll Calculation – PPA

1. Exchange or Company Base Rate by Zone. 2. Multiply by the Model Year Factor. 3. Multiply by Phy Dam Symbol Factor for Model Years 2011 & Newer or Model Years 2010 & Prior. 4. Multiply by the Deductible Factor. 5. Multiply by Exchange or Company Adult Class Factor or Youthful Class Factor. Adjustments to


6. Multiply by Exchange or Company Secondary Class Factor. 7. Multiply by Youthful Driver Discount Factor. 8. Multiply by College Student Discount Factor. 9. For Exchange only, multiply by Inexperienced Operator Surcharge Factor. 10. Multiply by Performance Car Surcharge Factor (Model Years 2010 & prior only). 11. Multiply by Special Motor Home Discount Factor. 12. Multiply by Limited Tort Factor. 13. Multiply by Reduced Usage/Policy Period Factor. 14. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over). 15. Multiply by Multi-Policy Discount Factor. 16. Multiply by Safe Driver Discount Factor. 17. Multiply by Tier Factor. 18. Multiply by Car Driver Rating Factor. 19. Multiply by Pay Plan Discount Factor. 20. Multiply by Advance Quote Discount Factor. 21. Multiply by Prior Bodily Injury Limits Discount Factor. 22. Multiply by Youthful Driver Longevity Discount Factor. 23. Multiply by Renewal Capping Factor.

Road Service Calculation

1. Exchange or Company Road Service Rate per Auto. 2. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over).

Transportation Expense Calculation – PPA

1. Transportation Expense Rate by Limit. 2. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over).



10 EFFECTIVE: 6/1/18

ERIE Auto Plus Endorsement

1. The rate is $30 2. Multiply by Accident Prevention Course Discount Factor (Age 55 or Over).

New Auto Security Coverage

1. Comp Premium 2. Multiply by 0.17; Round to nearest dollar then, 3. Coll Premium 4. Multiply by 0.17; Round to nearest dollar then, 5. Add result of 2. to result of 4.

Rate Protection Endorsement (RPE)

Liability 1. Determine Exchange BI, PD, and/or CSL rate prior to renewal capping factor. 2. Multiply each applicable coverage rate in step 1 by the Liability RPE rating factor. 3. Add $1 Expense Constant. Other 1. Determine Exchange Medical Expenses, Income Loss, Accidental Death, Funeral Expenses,

Combination Package, Extraordinary Medical Benefits, and Uninsured/Underinsured Motorist Coverage rate prior to renewal capping factor.

2. Multiply each applicable coverage rate in step 1 by the Other RPE rating factor. Comp 1. Determine Exchange Comp rate prior to renewal capping factor. 2. Multiply coverage rate in step 1 by the Comp RPE rating factor. Coll 1. Determine Exchange Collision rate prior to renewal capping factor. 2. Multiply coverage rate in step 1 by the Coll RPE rating factor.




TERRITORY TO ZONE CONVERSION

TERR ZONE ILF

Group RPE

Region TERR ZONE ILF

Group RPE

Region TERR ZONE ILF

Group RPE

Region 1A 4 A E 4R 88 A F 8A 109 B F 1B 6 A E 4T 57 A E 8B 124 A F 1C 7 A C 4U 92 A F 8C 123 A F 1L 8 A E 4V 57 A E 8D 110 B C 1M 10 A E 4W 12 A C 8E 121 B C 1N 22 A E 4X 19 A C 8F 7 A C 1P 18 A E 4Y 26 A E 8G 82 B C 1T 26 A E 4Z 95 A F 8K 140 B C 1U 24 A E 5A 96 A F 8M 117 B C 1V 25 A E 5B 97 A F 8N 115 B C 1W 25 A E 5C 58 A C 8P 113 B C 1X 28 A E 5D 59 A C 8Q 115 B C 1Y 11 A F 5E 14 A C 8R 114 B C 2B 3 A F 5F 141 A C 8T 33 B H 2C 126 A D 5G 13 A E 8U 32 B H 2D 73 A D 5H 57 A E 8Y 61 A C 2E 73 A D 5J 94 A D 9A 109 B F 2F 126 A D 5K 57 A E 9B 105 B F 2K 20 A E 5L 85 A C 9C 108 B F 2L 54 A D 5R 21 A E 9E 119 A F 2M 54 A D 5T 58 A C 9F 122 A F 2N 54 A D 5U 59 A C 9G 16 A F 2P 54 A D 5V 21 A E 9H 104 B F 2Q 54 A D 5W 142 A E 9J 106 B F 2R 54 A D 5X 57 A E 9K 129 B C 2T 54 A D 6A 85 A C 9L 109 B F 2U 31 B H 6B 23 A C 9M 120 B C 2W 33 B H 6C 30 A E 9N 128 A C 3E 100 A F 6D 93 A F 9P 130 A C 3F 98 A F 6E 57 A E 9T 133 B G 3G 99 A F 6F 84 A E 9U 144 B G 3H 26 A E 6G 84 A E 9V 135 B G 3J 93 A F 6H 30 A E 9W 143 B G 3K 84 A E 6L 85 A C 9X 26 A E 3Q 40 A F 6M 17 A F 9Y 116 A C 3R 93 A F 6N 2 A F 9Z 104 B F 3T 23 A C 6Q 55 A C A1 9 A D 3U 57 A E 6R 15 A E A2 138 A D 3W 26 A E 7A 91 B F A3 56 A D 4A 136 A E 7B 101 B F A4 145 A F 4B 23 A C 7C 102 B F A5 146 A F 4C 21 A E 7D 103 B F A6 147 A F 4D 15 A E 7E 101 B F A7 148 B C 4E 26 A E 7H 107 B F A8 149 B C 4F 27 A E 7J 108 B F A9 150 B C 4G 15 A E 7M 111 B C B1 151 A E 4H 29 A E 7N 112 B C B2 127 A E 4K 83 B H 7T 140 B C B3 152 B G 4N 93 A F 7V 118 B C B4 131 B G 4P 17 A F 7W 82 B C B5 153 B G 4Q 18 A E 7Y 137 B C B6 132 B G




RULE 29 RATES AND FACTORS - PRIVATE PASSENGER AUTOS Base Rates (A1AL Single) Full Tort, Unstacked - Exchange PPA Exchange PPA

$15/30 $25K $35K $10K $1/15 Comb $15/30 $15/30 $50 $250 Zone BI PD CSL Med Exp Inc Loss Ben UM BI UIM BI Comp Coll Zone

2 129 255 402 123 20 369 5 21 232 218 2 3 123 253 391 108 19 331 6 22 295 233 3 4 170 336 531 137 20 401 6 18 121 235 4 6 152 279 458 134 21 398 5 19 129 236 6 7 166 292 490 134 19 390 5 22 138 232 7 8 128 282 423 126 17 364 5 19 139 215 8 9 201 404 633 159 24 466 7 23 101 282 9 10 128 245 393 115 18 343 5 20 165 211 10 11 136 278 432 126 19 372 5 20 191 203 11 12 179 312 526 138 26 426 9 32 94 243 12 13 125 280 416 88 16 274 6 19 128 193 13 14 182 303 524 149 23 439 10 34 102 231 14 15 140 312 465 110 19 335 5 17 92 201 15 16 130 253 403 122 19 363 4 22 333 219 16 17 138 244 409 135 23 407 6 22 186 228 17 18 132 254 407 102 18 313 5 18 124 194 18 19 171 266 478 144 22 424 9 32 167 226 19 20 119 192 338 106 17 318 4 20 325 213 20 21 126 238 385 104 17 314 5 21 185 196 21 22 133 235 393 107 21 336 5 18 167 182 22 23 159 244 442 123 25 387 6 23 159 219 23 24 148 318 482 123 20 369 5 20 108 206 24 25 154 351 517 128 20 380 5 21 89 231 25 26 153 305 480 127 20 378 4 22 102 206 26 27 122 255 391 94 17 291 4 18 106 186 27 28 157 285 470 115 19 347 5 19 112 214 28 29 139 299 453 99 17 302 4 18 104 196 29 30 123 236 378 95 15 286 6 17 133 194 30 31 433 483 1029 379 42 1037 40 59 154 392 31 32 372 493 947 261 28 715 22 34 116 345 32 33 337 459 868 223 25 616 15 30 116 310 33 40 117 261 389 98 17 300 5 20 118 187 40 54 128 231 382 112 22 351 5 24 254 204 54 55 165 230 441 139 19 402 7 25 260 229 55 56 144 298 460 120 20 362 6 23 185 228 56 57 121 223 365 101 19 315 5 18 198 189 57 58 187 352 571 147 21 427 9 23 101 239 58 59 174 302 510 129 20 382 8 18 120 218 59 61 223 397 663 139 21 409 8 20 143 277 61 73 119 204 347 102 22 328 5 19 273 202 73 82 223 411 662 136 18 391 10 21 149 269 82 83 268 443 754 199 23 554 11 26 135 330 83 84 134 202 369 117 19 351 6 21 281 201 84




Exchange PPA $15/30 $25K $35K $10K $1/15 Comb $15/30 $15/30 $50 $250

Zone BI PD CSL Med Exp Inc Loss Ben UM BI UIM BI Comp Coll Zone 85 205 278 541 167 28 499 9 27 198 257 85 88 137 244 407 127 18 370 6 20 213 208 88 91 135 339 475 154 20 440 7 17 135 240 91 92 118 221 359 101 17 307 5 24 267 184 92 93 124 227 373 114 18 341 5 20 200 198 93 94 140 259 423 120 23 373 6 20 182 203 94 95 139 275 434 124 20 371 6 20 207 204 95 96 145 296 460 138 22 411 6 20 184 227 96 97 141 280 441 146 22 429 6 20 179 214 97 98 127 290 427 104 21 329 5 19 116 214 98 99 133 243 400 121 21 368 5 22 175 219 99 100 131 296 438 112 21 347 5 19 117 205 100 101 146 385 528 151 20 433 5 20 112 253 101 102 150 388 536 157 23 458 7 19 105 281 102 103 156 441 588 132 22 397 7 18 107 292 103 104 135 394 519 130 19 381 5 19 91 250 104 105 153 421 567 130 22 392 6 18 96 295 105 106 137 387 517 122 19 363 5 19 88 230 106 107 129 320 450 112 18 336 6 17 128 217 107 108 136 344 480 112 17 332 5 17 115 240 108 109 141 364 504 117 18 347 5 18 108 232 109 110 329 422 827 246 37 714 25 45 113 310 110 111 323 432 826 225 35 659 19 45 102 282 111 112 266 402 718 185 28 541 14 29 126 258 112 113 287 410 755 224 29 634 12 33 106 288 113 114 228 370 636 158 24 464 8 27 138 263 114 115 253 367 670 160 24 468 9 26 166 266 115 116 205 331 582 154 22 447 9 25 153 269 116 117 225 371 633 149 21 432 7 23 118 246 117 118 262 387 700 182 27 530 11 27 100 268 118 119 132 311 451 105 18 320 5 19 143 226 119 120 294 444 793 178 25 513 15 36 104 305 120 121 370 479 933 268 32 746 28 37 137 351 121 122 131 288 432 110 19 335 4 23 219 200 122 123 141 287 447 132 20 389 7 19 180 229 123 124 144 314 472 148 21 430 5 18 162 220 124 126 127 232 382 103 21 327 4 20 306 220 126 127 121 188 338 106 19 326 6 19 254 204 127 128 207 371 617 131 22 394 8 23 144 274 128 129 263 379 695 171 23 490 11 26 98 259 129 130 217 391 648 142 19 408 8 23 119 250 130 131 501 404 1064 414 56 1170 56 84 224 391 131 132 574 450 1209 613 72 1686 79 90 230 549 132 133 555 452 1183 636 61 1697 70 86 262 525 133 135 644 497 1349 720 71 1927 81 95 214 516 135 136 115 215 349 91 18 288 5 19 150 192 136




Exchange PPA $15/30 $25K $35K $10K $1/15 Comb $15/30 $15/30 $50 $250

Zone BI PD CSL Med Exp Inc Loss Ben UM BI UIM BI Comp Coll Zone 137 307 426 798 190 32 567 17 34 94 291 137 138 165 365 546 127 20 378 5 25 98 235 138 140 212 308 562 159 23 462 9 23 131 236 140 141 178 261 485 142 21 416 9 31 154 226 141 142 132 245 400 127 21 382 5 21 168 195 142 143 567 510 1247 565 59 1527 72 70 160 507 143 144 443 500 1057 372 40 1014 51 61 161 368 144 145 133 267 418 132 20 389 6 20 178 211 145 146 127 307 440 129 19 379 6 19 143 207 146 147 128 324 455 136 21 402 5 20 122 224 147 148 207 297 546 138 25 422 7 24 180 250 148 149 211 355 599 135 22 404 7 25 126 248 149 150 214 320 575 150 24 446 8 22 144 235 150 151 124 196 349 114 19 344 5 20 247 213 151 152 528 452 1143 528 63 1457 78 87 238 517 152 153 632 500 1334 754 79 2035 76 100 253 596 153




Base Rates (A1AL Single) Full Tort, Unstacked - Company PPA Company PPA

$15/30 $25K $35K $10K $1/15 Comb $15/30 $15/30 $50 $250 Zone BI PD CSL Med Exp Inc Loss Ben UM BI UIM BI Comp Coll Zone

2 248 392 698 209 32 617 10 39 304 320 2 3 237 389 678 184 30 552 13 41 386 342 3 4 327 517 920 233 32 672 13 34 159 345 4 6 292 429 797 228 33 664 10 35 169 347 6 7 319 449 855 228 30 653 10 41 181 341 7 8 246 434 727 214 27 609 10 35 182 316 8 9 387 622 1098 271 38 782 15 43 132 414 9

10 246 377 683 196 29 576 10 37 216 310 10 11 262 428 748 214 30 621 10 37 250 298 11 12 344 480 919 235 41 710 19 60 123 357 12 13 240 431 716 150 25 456 13 35 168 284 13 14 350 466 918 254 36 735 21 63 134 339 14 15 269 480 799 187 30 559 10 32 121 295 15 16 250 389 699 208 30 607 8 41 436 322 16 17 265 376 712 230 36 680 13 41 244 335 17 18 254 391 707 174 29 525 10 34 162 285 18 19 329 409 839 245 35 710 19 60 219 332 19 20 229 295 593 180 27 531 8 37 426 313 20 21 242 366 669 177 27 524 10 39 242 288 21 22 256 362 687 182 33 559 10 34 219 267 22 23 306 376 777 209 40 647 13 43 208 322 23 24 285 489 832 209 32 617 10 37 141 303 24 25 296 540 889 218 32 637 10 39 117 339 25 26 294 469 831 216 32 633 8 41 134 303 26 27 235 392 678 160 27 485 8 34 139 273 27 28 302 439 820 196 30 580 10 35 147 314 28 29 267 460 781 168 27 504 8 34 136 288 29 30 237 363 658 162 24 479 13 32 174 285 30 31 833 743 1828 645 67 1746 83 110 202 576 31 32 715 759 1667 444 44 1200 46 63 152 507 32 33 648 706 1526 380 40 1038 31 56 152 455 33 40 225 402 669 167 27 501 10 37 155 275 40 54 246 356 667 191 35 586 10 45 333 300 54 55 317 354 778 237 30 674 15 47 341 336 55 56 277 459 795 204 32 605 13 43 242 335 56 57 233 343 636 172 30 525 10 34 259 278 57 58 360 542 992 250 33 715 19 43 132 351 58 59 335 465 892 220 32 642 17 34 157 320 59 61 429 611 1155 237 33 685 17 37 187 407 61 73 229 314 607 174 35 547 10 35 358 297 73 82 429 633 1145 231 29 656 21 39 195 395 82 83 515 682 1311 339 36 929 23 48 177 485 83 84 258 311 651 199 30 587 13 39 368 295 84 85 394 428 957 284 44 833 19 50 259 378 85 88 263 376 709 216 29 622 13 37 279 306 88




Company PPA $15/30 $25K $35K $10K $1/15 Comb $15/30 $15/30 $50 $250

Zone BI PD CSL Med Exp Inc Loss Ben UM BI UIM BI Comp Coll Zone 91 260 522 807 262 32 738 15 32 177 353 91 92 227 340 624 172 27 513 10 45 350 270 92 93 238 349 649 194 29 571 10 37 262 291 93 94 269 399 737 204 36 620 13 37 238 298 94 95 267 423 752 211 32 621 13 37 271 300 95 96 279 456 797 235 35 687 13 37 241 333 96 97 271 431 765 248 35 717 13 37 234 314 97 98 244 446 733 177 33 547 10 35 152 314 98 99 256 374 697 206 33 614 10 41 229 322 99 100 252 456 754 191 33 579 10 35 153 301 100 101 281 593 896 257 32 727 10 37 147 372 101 102 288 597 909 267 36 764 15 35 138 413 102 103 300 679 994 225 35 664 15 34 140 429 103 104 260 606 875 221 30 637 10 35 119 367 104 105 294 648 959 221 35 655 13 34 126 433 105 106 263 596 872 208 30 607 10 35 115 338 106 107 248 492 764 191 29 564 13 32 168 319 107 108 262 529 816 191 27 556 10 32 151 353 108 109 271 560 854 199 29 583 10 34 141 341 109 110 633 649 1457 419 59 1199 52 84 148 455 110 111 621 665 1452 383 55 1101 40 84 134 414 111 112 512 619 1255 315 44 904 29 54 165 379 112 113 552 631 1324 381 46 1063 25 62 139 423 113 114 438 569 1107 269 38 777 17 50 181 386 114 115 487 565 1175 272 38 784 19 48 217 391 115 116 394 509 1020 262 35 749 19 47 200 395 116 117 433 571 1100 254 33 724 15 43 155 361 117 118 504 596 1225 310 43 889 23 50 131 394 118 119 254 479 775 179 29 537 10 35 187 332 119 120 565 683 1386 303 40 862 31 67 136 448 120 121 712 737 1645 456 51 1253 58 69 179 516 121 122 252 443 744 187 30 559 8 43 287 294 122 123 271 442 773 225 32 653 15 35 236 336 123 124 277 483 815 252 33 719 10 34 212 323 124 126 244 357 664 175 33 543 8 37 401 323 126 127 233 289 593 180 30 543 13 35 333 300 127 128 398 571 1075 223 35 660 17 43 189 403 128 129 506 583 1217 291 36 819 23 48 128 380 129 130 417 602 1129 242 30 685 17 43 156 367 130 131 963 622 1920 705 89 1966 117 157 293 574 131 132 1104 693 2184 1043 114 2834 165 168 301 806 132 133 1067 696 2132 1082 97 2860 146 160 343 771 133 135 1238 765 2438 1225 113 3247 169 177 280 758 135 136 221 331 608 155 29 482 10 35 197 282 136 137 590 656 1400 323 51 949 35 63 123 427 137 138 317 562 940 216 32 633 10 47 128 345 138




Company PPA $15/30 $25K $35K $10K $1/15 Comb $15/30 $15/30 $50 $250

Zone BI PD CSL Med Exp Inc Loss Ben UM BI UIM BI Comp Coll Zone 140 408 474 985 271 36 774 19 43 172 347 140 141 342 402 855 242 33 696 19 58 202 332 141 142 254 377 696 216 33 637 10 39 220 286 142 143 1090 785 2238 962 94 2574 150 131 210 745 143 144 852 770 1877 633 63 1704 106 114 211 541 144 145 256 411 726 225 32 653 13 37 233 310 145 146 244 472 754 220 30 635 13 35 187 304 146 147 246 499 778 231 33 671 10 37 160 329 147 148 398 457 956 235 40 706 15 45 236 367 148 149 406 546 1041 230 35 676 15 47 165 364 149 150 412 492 1005 255 38 745 17 41 189 345 150 151 238 302 612 194 30 575 10 37 324 313 151 152 1015 696 2055 899 100 2452 163 162 312 759 152 153 1215 770 2409 1283 125 3425 158 187 331 876 153




FPB - Funeral Expenses (Optional)

Limit Exchange Rate Company Rate $1,500 1 2 2,500 2 3

FPB - Accidental Death (Optional)

Limit Exchange Rate Company Rate $5,000 2 3 10,000 4 6 25,000 10 15

FPB - Extraordinary Medical Benefits (Optional)

Limit Exchange

Rate Company

Rate $1,000,000* 47 56

*Aggregate Lifetime Limit




Increased Limit Factors – PPA The increased limit factors apply to Priv. Pass. vehicles that include Individually-Owned Private Passenger type autos and vehicles rated as Private Passenger Autos such as antiques, classics, dune buggies, electric autos, golf carts, motorcycles, motor homes, mopeds, snowmobiles and some public vehicles. Increased Limit Factors - BI, PD, & CSL - PPA ILF Group B Zones 31, 32, 33, 82, 83, 91, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 115, 117, 118, 120, 121, 129, 131, 132, 133, 135, 137, 140, 143, 144, 148, 149, 150, 152, 153

BI PD CSL

Limit Factor Limit * Factor Limit Factor $15/30 1.000 $5,000 0.920 $35,000 1.000 20/40 1.200 10,000 0.940 100,000 1.140 25/50 1.350 25,000 1.000 300,000 1.309 50/100 1.506 50,000 1.025 500,000 1.380 100/100 1.613 100,000 1.050 750,000 1.436 100/300 1.737 200,000 1.100 1,000,000 1.492 300/300 1.905 250,000 1.125 250/500 1.971 300,000 1.139 300/500 2.010 500,000 1.160 500/500 2.086 1,000,000 1.206

500/1,000 2.175 1,000/1,000 2.287 * Property Damage Financial Responsibility limit is $5,000.

ILF Group A Remainder of State

BI PD CSL Limit Factor Limit * Factor Limit Factor

$15/30 1.000 $5,000 0.920 $35,000 1.000 20/40 1.149 10,000 0.940 100,000 1.167 25/50 1.287 25,000 1.000 300,000 1.356 50/100 1.585 50,000 1.025 500,000 1.446 100/100 1.782 100,000 1.050 750,000 1.514 100/300 1.969 200,000 1.100 1,000,000 1.582 300/300 2.115 250,000 1.125 250/500 2.294 300,000 1.139 300/500 2.314 500,000 1.160 500/500 2.362 1,000,000 1.206

500/1,000 2.450 1,000/1,000 2.624 * Property Damage Financial Responsibility limit is $5,000.




Increased Limit Factors - FPB MED & FPB IL - PPA

MED EXP INCOME LOSS Limit Factor Limit Factor

$5,000 0.78 $1,000/5,000 0.60 10,000 1.00 1,000/15,000 1.00 25,000 1.65 1,500/25,000 1.75 50,000 1.94 2,500/50,000 3.75 100,000 2.29 5,000/100,000 6.00

Increased Limit Factors - UM BI & UIM BI - PPA

Limit Uninsured Motorist BI Underinsured Motorist BI

Unstacked Stacked

1 Car Stacked 2 Cars

Stacked 3 Cars

Stacked 4+ Cars Unstacked

Stacked 1 Car

Stacked 2 Cars

Stacked 3 Cars

Stacked 4+ Cars

$15/30 1.000 1.050 1.307 1.436 1.517 1.020 1.071 1.661 2.255 2.711 20/40 1.100 1.155 1.399 1.517 1.592 1.218 1.279 2.072 2.698 3.171 25/50 1.190 1.250 1.470 1.575 1.700 1.391 1.461 2.528 3.231 4.047 50/100 1.400 1.470 1.700 1.946 2.143 2.250 2.363 3.782 4.748 5.294 100/100 1.543 1.620 2.031 2.313 2.595 3.030 3.182 4.950 5.727 6.223 100/300 1.717 1.803 2.283 2.632 2.903 3.957 4.154 5.422 6.021 6.321 300/300 2.127 2.233 2.849 3.043 3.186 5.508 5.783 6.716 7.125 7.528 250/500 2.147 2.255 2.869 3.040 3.186 5.600 5.880 6.615 7.009 7.420 300/500 2.244 2.357 2.843 3.016 3.167 5.750 6.038 6.729 7.147 7.609 500/500 2.550 2.678 3.150 3.374 3.533 6.141 6.448 7.194 7.855 8.324

500/1,000 2.744 2.881 3.199 3.418 3.574 6.300 6.615 7.420 8.071 8.533 1,000/1,000 3.000 3.150 3.533 3.757 3.914 6.750 7.088 8.201 8.853 9.315

Increased Limit Factors - UM CSL & UIM CSL – PPA

Limit Uninsured Motorist CSL Underinsured Motorist CSL

Unstacked Stacked 1 Car

Stacked 2 Cars

Stacked 3 Cars

Stacked 4+ Cars Unstacked Stacked


Stacked 3 Cars

Stacked 4+ Cars

$35,000 1.150 1.253 1.473 1.580 1.705 1.250 1.462 2.531 3.234 4.055 100,000 1.543 1.620 2.031 2.313 2.595 3.030 3.182 4.950 5.727 6.223 300,000 2.127 2.233 2.849 3.043 3.186 5.508 5.783 6.716 7.125 7.528 500,000 2.550 2.678 3.150 3.374 3.533 6.141 6.448 7.194 7.855 8.324 750,000 2.780 2.914 3.342 3.566 3.724 6.445 6.768 7.698 8.354 8.820

1,000,000 3.000 3.150 3.533 3.757 3.914 6.750 7.088 8.201 8.853 9.315




Liability, First Party Benefits, and UM/UIM Symbol Factors

Liability * FPB and UM / UIM ** Symbol Factor Symbol Factor

01 0.75 01 0.75 02 0.77 02 0.75 03 0.79 03 0.75 04 0.81 04 0.77 05 0.83 05 0.79 06 0.88 06 0.81 07 0.94 07 0.83 08 0.98 08 0.85 09 1.03 09 0.89 10 1.07 10 0.93 11 1.12 11 0.98 12 1.14 12 1.02 13 1.17 13 1.06 14 1.20 14 1.10

15 1.12 16 1.14 17 1.16 18 1.18 19 1.20

20 1.20 VV 1.00 VV 1.00 WW 1.00 WW 1.00 XX 1.00 XX 1.00 YY 1.00 YY 1.00 ZZ 1.00 ZZ 1.00

* "Liability" relates to BI, PD, and CSL. ** FPB relates to Med Pay, Income Loss, and Combined Benefits.




Liability Symbol Formula

Step 1Input Make Name, Model Year, Max Horse, Min Horse, Engine Cylinders, Engine Displacement, Curb Weight, Wheelbase, Length, Width, Height, and Base Retail Price

VIN Make Model Year Max Horse Min Horse Cylinders Displacement Weight Wheelbase Length Width Height PriceJF1SF655&Y SUBARU 2000 165 165 4 2.5 3115 99.4 175.2 68.3 65 21,390

Step 2Normalize Data - This is subtracting the mean and dividing by the standard deviation. Means and standard deviations are in Table 1.

VIN Make Model Year Max Horse Min Horse Cylinders Displacement Weight Wheelbase Length Width Height PriceJF1SF655&Y SUBARU 0.62998410 -0.16195821 -0.08352994 -1.22064315 -0.71835572 -0.55223988 -1.14544807 -1.10026298 -0.90587297 0.44706882 0.01118483

Step 3Calculate Factors - This is the sum product of the normalized data and the factor scores. Factor scores will be provided in Table 1.

SUM Model Year Max Horse Min Horse Cylinders Displacement Weight Wheelbase Length Width Height PriceFactor 1 -0.79157498 0.02108656 0.01995619 0.01064979 0.12972295 0.03586106 -0.10467864 -0.43416595 -0.35131774 -0.23965899 0.12269907 -0.00172928Factor 2 -0.24876765 -0.05474380 -0.04842942 -0.02491074 -0.40140674 -0.19578659 0.00070920 0.26121815 0.18292943 0.09033145 -0.06197719 0.00329860Factor 3 0.91818423 0.49643826 -0.02237605 -0.01348215 0.36610092 0.20987055 -0.00965495 -0.06823386 -0.04061830 -0.02365852 0.02333337 0.00046496

Step 4Calculate Fitted Loss Ratio - This is the sum product of the estimates and variable values - These estimates are provided in Table 2. The variable values come from Step 3This comes from Step 3

VIN Make Factor 1 Factor 2 Factor 3JF1SF655&Y SUBARU -0.79157498 -0.24876765 0.91818423This comes from Table 2Make Base Factor 1 Factor 2 Factor 3 Factor 1*Factor2 Factor 1*Factor3 Factor 2*Factor3 Factor 3*Factor3SUBARU 67% 2% 12% 2% 1% -1% -2% -4%

Variable Values 1 -0.79157498 -0.24876765 0.91818423 0.19691825 -0.72681166 -0.22841453 0.84306228Product 0.67111000 -0.01824580 -0.03089197 0.01507659 0.00140009 0.00639594 0.00484010 -0.03065374SUM 0.61903121

Step 5Search for Liability Symbol - These come from finding which range the Fitted Loss Ratio falls into. See Table 3 for Fitted Loss Ratio Ranges.

SUM 61.903%Liability Symbol 8




TABLE 1: Liability Symbol Formula

_TYPE_ _NAME_ Model Year Max Horse Min Horse Engine Cyl. Engine Disp. Curb WeightMEAN 1996.77760527 173.11461606 169.07833581 5.73845714 3.39001999 3497.47549921STD 5.11504135 50.10314722 48.82483625 1.42421406 1.23896833 692.58942057SCORE Factor1 0.03347158 -0.12321816 -0.12749672 -0.10627426 -0.04992104 0.18955284SCORE Factor2 -0.08689712 0.29902417 0.29822528 0.32884856 0.27254825 -0.00128422SCORE Factor3 0.78801712 0.13815943 0.16140500 -0.29992461 -0.29215408 0.01748326

_TYPE_ _NAME_ Wheel base Length Width Height Base PriceMEAN 110.98003824 190.57453806 71.61173870 61.84698513 21316.40190953STD 10.10961437 13.97351212 3.65585332 7.05263872 6580.16882791SCORE Factor1 0.37903591 0.31930343 0.26456137 0.27445232 -0.15460984SCORE Factor2 -0.22804888 -0.16625973 -0.09971757 -0.13863008 0.29491738SCORE Factor3 0.05956958 0.03691690 0.02611682 0.05219190 0.04157059





Table 2 begins with the "Make" column. The Variable and Estimate table is GLM output that creates Table 2.

Variable Estimate Make Base Factor 1 Factor 2 Factor 3 Factor 1*Factor2 Factor 1*Factor3 Factor 2*Factor3 Factor 3*Factor3Base Loss Ratio 67% AUDI 57% 2% 1% 2% 1% -1% -2% -4%AUDI -10% BMW 67% 8% 1% 2% 1% -1% -2% -4%CHEVROLET -4% CADILLAC 67% 17% 1% 2% 1% -1% -2% -4%LAND_ROVER 36% CHEVROLET 64% 2% -2% 2% 1% -1% -2% -4%MAZDA -9% CHEVROLET_TRUCK 67% 2% 5% 2% 1% -1% -2% -4%PONTIAC -4% DODGE 67% -9% 1% 2% 1% -1% -2% -4%SAAB -12% DODGE_TRUCK 67% 6% 7% 5% 1% -1% -2% -4%TOYOTA -5% EAGLE 67% 2% 1% 30% 1% -1% -2% -4%VOLKSWAGEN -11% FORD_TRUCK 67% 4% 1% 2% 1% -1% -2% -4%VOLVO -7% GEO 67% 2% 9% 2% 1% -1% -2% -4%Factor1_1 2% GEO_TRUCK 67% 2% 14% 2% 1% -1% -2% -4%Factor1_1BMW 6% HONDA 67% 2% 7% 2% 1% -1% -2% -4%Factor1_1CADILLAC 15% ISUZU 67% -21% 1% 2% 1% -1% -2% -4%Factor1_1DODGE -11% JEEP 67% 2% 9% 2% 1% -1% -2% -4%Factor1_1DODGE_TRUCK 3% LAND_ROVER 103% 2% 1% -35% 1% -1% -2% -4%Factor1_1FORD_TRUCK 1% LEXUS 67% 2% 6% 2% 1% -1% -2% -4%Factor1_1ISUZU -24% MAZDA 58% 2% 1% 8% 1% -1% -2% -4%Factor1_1MERCURY -8% MERCURY 67% -6% 7% -4% 1% -1% -2% -4%Factor1Factor2 1% PONTIAC 63% 2% 1% 2% 1% -1% -2% -4%Factor1Factor3 -1% SAAB 55% 2% 1% 2% 1% -1% -2% -4%Factor2_1 1% SUBARU 67% 2% 12% 2% 1% -1% -2% -4%Factor2_1CHEVROLET -4% SUZUKI 67% 2% 1% 23% 1% -1% -2% -4%Factor2_1CHEVROLET_TRUCK 4% TOYOTA 62% 2% 1% 2% 1% -1% -2% -4%Factor2_1DODGE_TRUCK 6% VOLKSWAGEN 56% 2% 1% 2% 1% -1% -2% -4%Factor2_1GEO 8% VOLVO 61% 2% 1% 2% 1% -1% -2% -4%Factor2_1GEO_TRUCK 13% ALL_OTHER1 67% 2% 1% 2% 1% -1% -2% -4%Factor2_1HONDA 6%Factor2_1JEEP 8% 1 This includes all other makes not individually listed.Factor2_1LEXUS 5%Factor2_1MERCURY 5%Factor2_1SUBARU 11%Factor2Factor3 -2%Factor3_1 2%Factor3_1DODGE_TRUCK 3%Factor3_1EAGLE 28%Factor3_1LAND_ROVER -36%Factor3_1MAZDA 6%Factor3_1MERCURY -6%Factor3_1SUZUKI 21%Factor3Factor3 -4%





LIABILITY SYMBOL

Minimum Fitted

Loss Ratio

Maximum Fitted Loss

Ratio

LIABILITY SYMBOL

1 -999 30.107% 12 30.107% 38.488% 23 38.488% 44.745% 34 44.745% 49.824% 45 49.824% 53.683% 56 53.683% 57.155% 67 57.155% 60.256% 78 60.256% 63.058% 89 63.058% 65.740% 910 65.740% 68.607% 1011 68.607% 72.573% 1112 72.573% 78.057% 1213 78.057% 86.820% 1314 86.820% 999 14




FPB/UM/UIM Symbol Formula

Step 1Input Make Name, Model Year, Max Horse, Min Horse, Engine Cylinders, Engine Displacement, Curb Weight, Wheelbase, Length, Width, Height, and Base Retail Price.

VIN Make Model Year Max Horse Min Horse Cylinders Displacement Weight Wheelbase Length Width Height PriceJF1SF655&Y SUBARU 2000 165 165 4 2.5 3115 99.4 175.2 68.3 65 21,390

Step 2Normalize Data - This is subtracting the mean and dividing by the standard deviation. Means and standard deviations will be provided in Table 1.

VIN Make Model Year Max Horse Min Horse Cylinders Displacement Weight Wheelbase Length Width Height PriceJF1SF655&Y SUBARU 0.62998410 -0.16195821 -0.08352994 -1.22064315 -0.71835572 -0.55223988 -1.14544807 -1.10026298 -0.90587297 0.44706882 0.01118483

Step 3Calculate Factors - This is the sum product of the normalized data and the factor scores. Factor scores will be provided in Table 1.

SUM Model Year Max Horse Min Horse Cylinders Displacement Weight Wheelbase Length Width Height PriceFactor 1 -0.79157498 0.02108656 0.01995619 0.01064979 0.12972295 0.03586106 -0.10467864 -0.43416595 -0.35131774 -0.23965899 0.12269907 -0.00172928Factor 2 -0.24876765 -0.05474380 -0.04842942 -0.02491074 -0.40140674 -0.19578659 0.00070920 0.26121815 0.18292943 0.09033145 -0.06197719 0.00329860Factor 3 0.91818423 0.49643826 -0.02237605 -0.01348215 0.36610092 0.20987055 -0.00965495 -0.06823386 -0.04061830 -0.02365852 0.02333337 0.00046496

Step 4Calculate Fitted Loss Ratio - This is the sum product of the estimates and variable values - These estimates are provided in Table 2. The variable values come from Step 3This comes from Step 3

VIN Make Factor 1 Factor 2 Factor 3JF1SF655&Y SUBARU -0.79157498 -0.24876765 0.91818423This comes from Table 2Make Base Factor 1 Factor 2 Factor 3 Factor 1*Factor2 Factor 1*Factor3 Factor 2*Factor3 Factor 3*Factor3SUBARU 56% 0% -3% 8% 0% 0% -3% -2%

Variable Values 1 -0.79157498 -0.24876765 0.91818423 0.19691825 -0.72681166 -0.22841453 0.84306228Product 0.56495930 0.00000000 0.00853013 0.07222009 0.00000000 0.00000000 0.00625172 -0.02013764SUM 0.63182360

Step 5Search for FPB/UM/UIM Symbol - These come from finding which range the Fitted Loss Ratio falls into. See Table 3 for Fitted Loss Ratio Ranges.

SUM 63.182%Symbol 8




TABLE 1: FPB/UM/UIM Symbol Formula

_TYPE_ _NAME_ Model Year Max Horse Min Horse Engine Cylinders Engine Disp. Curb WeightMEAN 1996.77760527 173.11461606 169.07833581 5.73845714 3.39001999 3497.47549921STD 5.11504135 50.10314722 48.82483625 1.42421406 1.23896833 692.58942057SCORE Factor1 0.03347158 -0.12321816 -0.12749672 -0.10627426 -0.04992104 0.18955284SCORE Factor2 -0.08689712 0.29902417 0.29822528 0.32884856 0.27254825 -0.00128422SCORE Factor3 0.78801712 0.13815943 0.16140500 -0.29992461 -0.29215408 0.01748326

_TYPE_ _NAME_ Wheel base Length Width Height Base PriceMEAN 110.98003824 190.57453806 71.61173870 61.84698513 21316.40190953STD 10.10961437 13.97351212 3.65585332 7.05263872 6580.16882791SCORE Factor1 0.37903591 0.31930343 0.26456137 0.27445232 -0.15460984SCORE Factor2 -0.22804888 -0.16625973 -0.09971757 -0.13863008 0.29491738SCORE Factor3 0.05956958 0.03691690 0.02611682 0.05219190 0.04157059





Table 2 resides the "Make" column. The Variable and Estimate table is GLM output that creates Table 2.

Variable Estimate Make Base Factor 1 Factor 2 Factor 3 Factor 1*Factor2 Factor 1*Factor3 Factor 2*Factor3 Factor 3*Factor3Base Loss Ratio 89% AUDI 56% 0% -3% 8% 0% 0% -3% -2%AUDI -33% BMW 89% 0% -3% -13% 0% 0% -3% -2%BUICK -15% BUICK 74% 0% -3% -7% 0% 0% -3% -2%CHEVROLET -8% CHEVROLET 81% 0% -3% 8% 0% 0% -3% -2%CHRYSLER_TRUCK -25% CHEVROLET_TRUCK 89% -12% -3% 15% 0% 0% -3% -2%EAGLE -35% CHRYSLER_TRUCK 64% 0% -3% 8% 0% 0% -3% -2%FORD_TRUCK -20% DODGE_TRUCK 89% -6% -3% 8% 0% 0% -3% -2%GMC_TRUCK -18% EAGLE 54% 0% -3% 8% 0% 0% -3% -2%HONDA -19% FORD_TRUCK 69% 0% -3% 8% 0% 0% -3% -2%JEEP -19% GMC_TRUCK 71% 0% -3% 8% 0% 0% -3% -2%LEXUS -22% HONDA 70% 0% -3% 8% 0% 0% -3% -2%MAZDA -16% ISUZU 89% 0% -3% 38% 0% 0% -3% -2%NISSAN -16% JEEP 70% 0% -3% 8% 0% 0% -3% -2%SAAB -28% KIA 89% 0% -26% 8% 0% 0% -3% -2%SUBARU -33% LEXUS 67% 0% -3% 8% 0% 0% -3% -2%TOYOTA -17% MAZDA 73% 0% -3% 8% 0% 0% -3% -2%VOLKSWAGEN -34% NISSAN 73% 0% -3% 8% 0% 0% -3% -2%VOLVO -31% OLDSMOBILE 89% -27% -3% 16% 0% 0% -3% -2%Factor1_1CHEVROLET_TRUCK -12% SAAB 61% 0% -3% 8% 0% 0% -3% -2%Factor1_1DODGE_TRUCK -6% SATURN 89% 0% 15% 8% 0% 0% -3% -2%Factor1_1OLDSMOBILE -27% SUBARU 56% 0% -3% 8% 0% 0% -3% -2%Factor1_1TOYOTA -11% TOYOTA 72% -11% -3% 8% 0% 0% -3% -2%Factor2_1KIA -23% VOLKSWAGEN 55% 0% -3% 8% 0% 0% -3% -2%Factor2_1SATURN 19% VOLVO 58% 0% -3% 8% 0% 0% -3% -2%Factor3_1BMW -21% ALL_OTHER1 89% 0% -3% 8% 0% 0% -3% -2%Factor3_1BUICK -15%Factor3_1CHEVROLET_TRUCK 7% 1 This includes all other makes not individually listed.Factor3_1ISUZU 30%Factor3_1OLDSMOBILE 8%Factor2_1 -3%Factor3_1 8%Factor3Factor3 -2%Factor2Factor3 -3%





FPB /UM/UIM SYMBOL

Minimum Fitted

Loss Ratio

Maximum Fitted Loss

Ratio

FPB /UM/UIM SYMBOL

1 -999 27.820% 12 27.820% 38.333% 23 38.333% 45.908% 34 45.908% 51.346% 45 51.346% 55.612% 56 55.612% 59.532% 67 59.532% 63.106% 78 63.106% 66.270% 89 66.270% 69.349% 910 69.349% 72.490% 1011 72.490% 75.937% 1112 75.937% 79.230% 1213 79.230% 82.181% 1314 82.181% 85.076% 1415 85.076% 87.999% 1516 87.999% 91.404% 1617 91.404% 95.596% 1718 95.596% 100.579% 1819 100.579% 110.848% 1920 110.848% 999 20




Class Factors, Adults - Liability, FPB & Phy Dam - PPA

ADULT CLASSES Class Use Annual Mileage Exchange Company

A1AS Pleasure Use Short (Up to 8,500 annual miles) 0.82 0.87

A1AL Pleasure Use Long (More than 8,500 annual miles) 1.00 1.00

A1BS Driven to work less than 6 miles one way

Short (Up to 8,500 annual miles) 0.88 0.89

A1BL Driven to work less than 6 miles one way

Long (More than 8,500 annual miles) 1.01 0.95

A2AS Driven to work 6-10 miles one way


A2AL Driven to work 6-10 miles one way


A2BS Driven to work 11-14 miles one way


A2BL Driven to work 11-14 miles one way


A3AS Driven to work 15-20 miles one way


A3AL Driven to work 15-20 miles one way


A3BS Driven to work 21-30 miles one way


A3BL Driven to work 21-30 miles one way


A3C Driven to work 31+ miles one way Not applicable 1.21 1.15

A4S Business Use Short (Up to 12,500 annual miles) 1.12 1.13

A4L Business Use Long (12,500 annual miles or more) 1.23 1.19

A1AF Farm Not applicable 0.76 0.83

Multi-Car Discount Exchange 0.20 Company 0.13 Multi-Car Discount does not apply 0.00

Age 55 & Over Discount Age 55 & Over Discount 0.03 Age 55 & Over Discount does not apply 0.00




Secondary Rating Class Factors Exchange/ Married Unmarried Company Gender Age Class Factor Class Factor Exchange Female 24 FM24 1.000 FS24 1.130 Exchange Female 25 FM25 1.000 FS25 1.115 Exchange Female 26 FM26 1.000 FS26 1.095 Exchange Female 27 FM27 0.990 FS27 1.070 Exchange Female 28 FM28 0.980 FS28 1.050 Exchange Female 29 FM29 0.970 FS29 1.020 Exchange Female 30 FM30 0.960 FS30 0.995 Exchange Female 31 FM31 0.950 FS31 0.980 Exchange Female 32 FM32 0.940 FS32 0.970 Exchange Female 33 FM33 0.930 FS33 0.960 Exchange Female 34 FM34 0.920 FS34 0.950 Exchange Female 35 FM35 0.910 FS35 0.940 Exchange Female 36 FM36 0.900 FS36 0.930 Exchange Female 37 FM37 0.890 FS37 0.920 Exchange Female 38 FM38 0.880 FS38 0.910 Exchange Female 39 FM39 0.870 FS39 0.900 Exchange Female 40 FM40 0.860 FS40 0.890 Exchange Female 41 FM41 0.850 FS41 0.880 Exchange Female 42 FM42 0.840 FS42 0.870 Exchange Female 43 FM43 0.840 FS43 0.860 Exchange Female 44 FM44 0.840 FS44 0.855 Exchange Female 45 FM45 0.840 FS45 0.850 Exchange Female 46 FM46 0.840 FS46 0.850 Exchange Female 47 FM47 0.840 FS47 0.850 Exchange Female 48 FM48 0.840 FS48 0.850 Exchange Female 49 FM49 0.840 FS49 0.850 Exchange Female 50 FM50 0.840 FS50 0.850 Exchange Female 51 FM51 0.840 FS51 0.850 Exchange Female 52 FM52 0.840 FS52 0.850 Exchange Female 53 FM53 0.845 FS53 0.855 Exchange Female 54 FM54 0.850 FS54 0.860 Exchange Female 55 FM55 0.855 FS55 0.865 Exchange Female 56 FM56 0.860 FS56 0.870 Exchange Female 57 FM57 0.865 FS57 0.875 Exchange Female 58 FM58 0.870 FS58 0.880 Exchange Female 59 FM59 0.875 FS59 0.885 Exchange Female 60 FM60 0.880 FS60 0.890 Exchange Female 61 FM61 0.890 FS61 0.895 Exchange Female 62 FM62 0.900 FS62 0.900 Exchange Female 63 FM63 0.910 FS63 0.910 Exchange Female 64 FM64 0.920 FS64 0.920 Exchange Female 65 FM65 0.930 FS65 0.930 Exchange Female 66 FM66 0.940 FS66 0.940 Exchange Female 67 FM67 0.950 FS67 0.950 Exchange Female 68 FM68 0.960 FS68 0.960 Exchange Female 69 FM69 0.970 FS69 0.970 Exchange Female 70 FM70 0.980 FS70 0.980




Exchange/ Married Unmarried Company Gender Age Class Factor Class Factor Exchange Female 71 FM71 0.990 FS71 0.990 Exchange Female 72 FM72 1.000 FS72 1.000 Exchange Female 73 FM73 1.030 FS73 1.030 Exchange Female 74 FM74 1.060 FS74 1.060 Exchange Female 75 FM75 1.090 FS75 1.090 Exchange Female 76 FM76 1.120 FS76 1.120 Exchange Female 77 FM77 1.150 FS77 1.150 Exchange Female 78 FM78 1.160 FS78 1.160 Exchange Female 79 FM79 1.199 FS79 1.199 Exchange Female 80 FM80 1.262 FS80 1.262 Exchange Female 81 FM81 1.334 FS81 1.334 Exchange Female 82 FM82 1.351 FS82 1.351 Exchange Female 83 FM83 1.363 FS83 1.363 Exchange Female 84 FM84 1.363 FS84 1.363 Exchange Female 85 FM85 1.374 FS85 1.374 Exchange Female 86 FM86 1.374 FS86 1.374 Exchange Female 87 FM87 1.386 FS87 1.386 Exchange Female 88 FM88 1.386 FS88 1.386 Exchange Female 89 FM89 1.386 FS89 1.386 Exchange Female 90+ FM90 1.386 FS90 1.386 Exchange Male 24 MM24 1.000 MS24 1.130 Exchange Male 25 MM25 1.000 MS25 1.115 Exchange Male 26 MM26 1.000 MS26 1.095 Exchange Male 27 MM27 0.990 MS27 1.070 Exchange Male 28 MM28 0.980 MS28 1.050 Exchange Male 29 MM29 0.970 MS29 1.020 Exchange Male 30 MM30 0.960 MS30 0.995 Exchange Male 31 MM31 0.950 MS31 0.980 Exchange Male 32 MM32 0.940 MS32 0.970 Exchange Male 33 MM33 0.930 MS33 0.960 Exchange Male 34 MM34 0.920 MS34 0.950 Exchange Male 35 MM35 0.910 MS35 0.940 Exchange Male 36 MM36 0.900 MS36 0.930 Exchange Male 37 MM37 0.890 MS37 0.920 Exchange Male 38 MM38 0.880 MS38 0.910 Exchange Male 39 MM39 0.870 MS39 0.900 Exchange Male 40 MM40 0.860 MS40 0.890 Exchange Male 41 MM41 0.850 MS41 0.880 Exchange Male 42 MM42 0.840 MS42 0.870 Exchange Male 43 MM43 0.840 MS43 0.860 Exchange Male 44 MM44 0.840 MS44 0.855 Exchange Male 45 MM45 0.840 MS45 0.850 Exchange Male 46 MM46 0.840 MS46 0.850 Exchange Male 47 MM47 0.840 MS47 0.850 Exchange Male 48 MM48 0.840 MS48 0.850 Exchange Male 49 MM49 0.840 MS49 0.850 Exchange Male 50 MM50 0.840 MS50 0.850 Exchange Male 51 MM51 0.840 MS51 0.850 Exchange Male 52 MM52 0.840 MS52 0.850




Exchange/ Married Unmarried Company Gender Age Class Factor Class Factor Exchange Male 53 MM53 0.845 MS53 0.855 Exchange Male 54 MM54 0.850 MS54 0.860 Exchange Male 55 MM55 0.855 MS55 0.865 Exchange Male 56 MM56 0.860 MS56 0.870 Exchange Male 57 MM57 0.865 MS57 0.875 Exchange Male 58 MM58 0.870 MS58 0.880 Exchange Male 59 MM59 0.875 MS59 0.885 Exchange Male 60 MM60 0.880 MS60 0.890 Exchange Male 61 MM61 0.890 MS61 0.895 Exchange Male 62 MM62 0.900 MS62 0.900 Exchange Male 63 MM63 0.910 MS63 0.910 Exchange Male 64 MM64 0.920 MS64 0.920 Exchange Male 65 MM65 0.930 MS65 0.930 Exchange Male 66 MM66 0.940 MS66 0.940 Exchange Male 67 MM67 0.950 MS67 0.950 Exchange Male 68 MM68 0.960 MS68 0.960 Exchange Male 69 MM69 0.970 MS69 0.970 Exchange Male 70 MM70 0.980 MS70 0.980 Exchange Male 71 MM71 0.990 MS71 0.990 Exchange Male 72 MM72 1.000 MS72 1.000 Exchange Male 73 MM73 1.030 MS73 1.030 Exchange Male 74 MM74 1.060 MS74 1.060 Exchange Male 75 MM75 1.090 MS75 1.090 Exchange Male 76 MM76 1.120 MS76 1.120 Exchange Male 77 MM77 1.150 MS77 1.150 Exchange Male 78 MM78 1.160 MS78 1.160 Exchange Male 79 MM79 1.199 MS79 1.199 Exchange Male 80 MM80 1.262 MS80 1.262 Exchange Male 81 MM81 1.334 MS81 1.334 Exchange Male 82 MM82 1.351 MS82 1.351 Exchange Male 83 MM83 1.363 MS83 1.363 Exchange Male 84 MM84 1.363 MS84 1.363 Exchange Male 85 MM85 1.374 MS85 1.374 Exchange Male 86 MM86 1.374 MS86 1.374 Exchange Male 87 MM87 1.386 MS87 1.386 Exchange Male 88 MM88 1.386 MS88 1.386 Exchange Male 89 MM89 1.386 MS89 1.386 Exchange Male 90+ MM90 1.386 MS90 1.386 Company Female 24 FM24 1.000 FS24 1.130 Company Female 25 FM25 1.000 FS25 1.115 Company Female 26 FM26 1.000 FS26 1.095 Company Female 27 FM27 1.000 FS27 1.070 Company Female 28 FM28 1.000 FS28 1.050 Company Female 29 FM29 1.000 FS29 1.020 Company Female 30 FM30 1.000 FS30 1.000 Company Female 31 FM31 1.000 FS31 1.000 Company Female 32 FM32 1.000 FS32 1.000 Company Female 33 FM33 1.000 FS33 1.000 Company Female 34 FM34 1.000 FS34 1.000




Exchange/ Married Unmarried Company Gender Age Class Factor Class Factor Company Female 35 FM35 1.000 FS35 1.000 Company Female 36 FM36 1.000 FS36 1.000 Company Female 37 FM37 1.000 FS37 1.000 Company Female 38 FM38 1.000 FS38 1.000 Company Female 39 FM39 1.000 FS39 1.000 Company Female 40 FM40 1.000 FS40 1.000 Company Female 41 FM41 1.000 FS41 1.000 Company Female 42 FM42 1.000 FS42 1.000 Company Female 43 FM43 1.000 FS43 1.000 Company Female 44 FM44 1.000 FS44 1.000 Company Female 45 FM45 1.000 FS45 1.000 Company Female 46 FM46 1.000 FS46 1.000 Company Female 47 FM47 1.000 FS47 1.000 Company Female 48 FM48 1.000 FS48 1.000 Company Female 49 FM49 1.000 FS49 1.000 Company Female 50 FM50 1.000 FS50 1.000 Company Female 51 FM51 1.000 FS51 1.000 Company Female 52 FM52 1.000 FS52 1.000 Company Female 53 FM53 1.000 FS53 1.000 Company Female 54 FM54 1.000 FS54 1.000 Company Female 55 FM55 1.000 FS55 1.000 Company Female 56 FM56 1.000 FS56 1.000 Company Female 57 FM57 1.000 FS57 1.000 Company Female 58 FM58 1.000 FS58 1.000 Company Female 59 FM59 1.000 FS59 1.000 Company Female 60 FM60 1.000 FS60 1.000 Company Female 61 FM61 1.000 FS61 1.000 Company Female 62 FM62 1.000 FS62 1.000 Company Female 63 FM63 1.000 FS63 1.000 Company Female 64 FM64 1.000 FS64 1.000 Company Female 65 FM65 1.000 FS65 1.000 Company Female 66 FM66 1.000 FS66 1.000 Company Female 67 FM67 1.000 FS67 1.000 Company Female 68 FM68 1.000 FS68 1.000 Company Female 69 FM69 1.000 FS69 1.000 Company Female 70 FM70 1.000 FS70 1.000 Company Female 71 FM71 1.000 FS71 1.000 Company Female 72 FM72 1.000 FS72 1.000 Company Female 73 FM73 1.030 FS73 1.030 Company Female 74 FM74 1.060 FS74 1.060 Company Female 75 FM75 1.090 FS75 1.090 Company Female 76 FM76 1.120 FS76 1.120 Company Female 77 FM77 1.150 FS77 1.150 Company Female 78 FM78 1.160 FS78 1.160 Company Female 79 FM79 1.199 FS79 1.199 Company Female 80 FM80 1.262 FS80 1.262 Company Female 81 FM81 1.334 FS81 1.334 Company Female 82 FM82 1.351 FS82 1.351 Company Female 83 FM83 1.363 FS83 1.363




Exchange/ Married Unmarried Company Gender Age Class Factor Class Factor Company Female 84 FM84 1.363 FS84 1.363 Company Female 85 FM85 1.374 FS85 1.374 Company Female 86 FM86 1.374 FS86 1.374 Company Female 87 FM87 1.386 FS87 1.386 Company Female 88 FM88 1.386 FS88 1.386 Company Female 89 FM89 1.386 FS89 1.386 Company Female 90+ FM90 1.386 FS90 1.386 Company Male 24 MM24 1.000 MS24 1.130 Company Male 25 MM25 1.000 MS25 1.115 Company Male 26 MM26 1.000 MS26 1.095 Company Male 27 MM27 1.000 MS27 1.070 Company Male 28 MM28 1.000 MS28 1.050 Company Male 29 MM29 1.000 MS29 1.020 Company Male 30 MM30 1.000 MS30 1.000 Company Male 31 MM31 1.000 MS31 1.000 Company Male 32 MM32 1.000 MS32 1.000 Company Male 33 MM33 1.000 MS33 1.000 Company Male 34 MM34 1.000 MS34 1.000 Company Male 35 MM35 1.000 MS35 1.000 Company Male 36 MM36 1.000 MS36 1.000 Company Male 37 MM37 1.000 MS37 1.000 Company Male 38 MM38 1.000 MS38 1.000 Company Male 39 MM39 1.000 MS39 1.000 Company Male 40 MM40 1.000 MS40 1.000 Company Male 41 MM41 1.000 MS41 1.000 Company Male 42 MM42 1.000 MS42 1.000 Company Male 43 MM43 1.000 MS43 1.000 Company Male 44 MM44 1.000 MS44 1.000 Company Male 45 MM45 1.000 MS45 1.000 Company Male 46 MM46 1.000 MS46 1.000 Company Male 47 MM47 1.000 MS47 1.000 Company Male 48 MM48 1.000 MS48 1.000 Company Male 49 MM49 1.000 MS49 1.000 Company Male 50 MM50 1.000 MS50 1.000 Company Male 51 MM51 1.000 MS51 1.000 Company Male 52 MM52 1.000 MS52 1.000 Company Male 53 MM53 1.000 MS53 1.000 Company Male 54 MM54 1.000 MS54 1.000 Company Male 55 MM55 1.000 MS55 1.000 Company Male 56 MM56 1.000 MS56 1.000 Company Male 57 MM57 1.000 MS57 1.000 Company Male 58 MM58 1.000 MS58 1.000 Company Male 59 MM59 1.000 MS59 1.000 Company Male 60 MM60 1.000 MS60 1.000 Company Male 61 MM61 1.000 MS61 1.000 Company Male 62 MM62 1.000 MS62 1.000 Company Male 63 MM63 1.000 MS63 1.000 Company Male 64 MM64 1.000 MS64 1.000 Company Male 65 MM65 1.000 MS65 1.000




Exchange/ Married Unmarried Company Gender Age Class Factor Class Factor Company Male 66 MM66 1.000 MS66 1.000 Company Male 67 MM67 1.000 MS67 1.000 Company Male 68 MM68 1.000 MS68 1.000 Company Male 69 MM69 1.000 MS69 1.000 Company Male 70 MM70 1.000 MS70 1.000 Company Male 71 MM71 1.000 MS71 1.000 Company Male 72 MM72 1.000 MS72 1.000 Company Male 73 MM73 1.030 MS73 1.030 Company Male 74 MM74 1.060 MS74 1.060 Company Male 75 MM75 1.090 MS75 1.090 Company Male 76 MM76 1.120 MS76 1.120 Company Male 77 MM77 1.150 MS77 1.150 Company Male 78 MM78 1.160 MS78 1.160 Company Male 79 MM79 1.199 MS79 1.199 Company Male 80 MM80 1.262 MS80 1.262 Company Male 81 MM81 1.334 MS81 1.334 Company Male 82 MM82 1.351 MS82 1.351 Company Male 83 MM83 1.363 MS83 1.363 Company Male 84 MM84 1.363 MS84 1.363 Company Male 85 MM85 1.374 MS85 1.374 Company Male 86 MM86 1.374 MS86 1.374 Company Male 87 MM87 1.386 MS87 1.386 Company Male 88 MM88 1.386 MS88 1.386 Company Male 89 MM89 1.386 MS89 1.386 Company Male 90+ MM90 1.386 MS90 1.386




Class Factors, Youthful - Liability, FPB & Phy Dam – PPA Exchange/ Driver Occasional Married Principal Company Gender Age Training Class* Single Class* Single Class* Single Exchange Male 15 W/O B15 2.10 B35 1.47 C15 2.84 Exchange Male 16 W/O B16 2.06 B36 1.47 C16 2.77 Exchange Male 17 W/O B17 1.90 B37 1.40 C17 2.58 Exchange Male 18 W/O B18 1.89 B38 1.39 C18 2.57 Exchange Male 19 W/O B19 1.88 B39 1.39 C19 2.56 Exchange Male 20 W/O B10 1.87 B30 1.39 C10 2.55 Exchange Male 21 NA B11 1.54 B31 1.22 C11 1.69 Exchange Male 22 NA B12 1.53 B32 1.22 C12 1.60 Exchange Male 23 NA B13 1.50 B33 1.21 C13 1.53 Exchange Male 15 With B25 1.86 B45 1.31 C25 2.52 Exchange Male 16 With B26 1.81 B46 1.31 C26 2.47 Exchange Male 17 With B27 1.68 B47 1.24 C27 2.29 Exchange Male 18 With B28 1.67 B48 1.23 C28 2.28 Exchange Male 19 With B29 1.66 B49 1.23 C29 2.28 Exchange Male 20 With B20 1.65 B40 1.23 C20 2.27 Exchange Female 15 W/O D15 2.10 D35 1.47 E15 2.84 Exchange Female 16 W/O D16 2.06 D36 1.47 E16 2.77 Exchange Female 17 W/O D17 1.90 D37 1.40 E17 2.58 Exchange Female 18 W/O D18 1.89 D38 1.39 E18 2.57 Exchange Female 19 W/O D19 1.88 D39 1.39 E19 2.56 Exchange Female 20 W/O D10 1.87 D30 1.39 E10 2.55 Exchange Female 21 NA D11 1.54 D31 1.22 E11 1.69 Exchange Female 22 NA D12 1.53 D32 1.22 E12 1.60 Exchange Female 23 NA D13 1.50 D33 1.21 E13 1.53 Exchange Female 15 With D25 1.86 D45 1.31 E25 2.52 Exchange Female 16 With D26 1.81 D46 1.31 E26 2.47 Exchange Female 17 With D27 1.68 D47 1.24 E27 2.29 Exchange Female 18 With D28 1.67 D48 1.23 E28 2.28 Exchange Female 19 With D29 1.66 D49 1.23 E29 2.28 Exchange Female 20 With D20 1.65 D40 1.23 E20 2.27 Company Male 15 W/O B15 1.77 B35 1.34 C15 2.90 Company Male 16 W/O B16 1.75 B36 1.34 C16 2.75 Company Male 17 W/O B17 1.73 B37 1.31 C17 2.45 Company Male 18 W/O B18 1.71 B38 1.25 C18 2.44 Company Male 19 W/O B19 1.67 B39 1.25 C19 2.40 Company Male 20 W/O B10 1.65 B30 1.25 C10 2.27 Company Male 21 NA B11 1.52 B31 1.17 C11 1.59 Company Male 22 NA B12 1.49 B32 1.17 C12 1.56 Company Male 23 NA B13 1.48 B33 1.16 C13 1.53 Company Male 15 With B25 1.57 B45 1.18 C25 2.58 Company Male 16 With B26 1.55 B46 1.18 C26 2.45 Company Male 17 With B27 1.54 B47 1.15 C27 2.16 Company Male 18 With B28 1.52 B48 1.11 C28 2.15 Company Male 19 With B29 1.48 B49 1.11 C29 2.11 Company Male 20 With B20 1.46 B40 1.11 C20 2.00 Company Female 15 W/O D15 1.77 D35 1.34 E15 2.90




Exchange/ Driver Occasional Married Principal Company Gender Age Training Class* Single Class* Single Class* Single Company Female 16 W/O D16 1.75 D36 1.34 E16 2.75 Company Female 17 W/O D17 1.73 D37 1.31 E17 2.45 Company Female 18 W/O D18 1.71 D38 1.25 E18 2.44 Company Female 19 W/O D19 1.67 D39 1.25 E19 2.40 Company Female 20 W/O D10 1.65 D30 1.25 E10 2.27 Company Female 21 NA D11 1.52 D31 1.17 E11 1.59 Company Female 22 NA D12 1.49 D32 1.17 E12 1.56 Company Female 23 NA D13 1.48 D33 1.16 E13 1.53 Company Female 15 With D25 1.57 D45 1.18 E25 2.58 Company Female 16 With D26 1.55 D46 1.18 E26 2.45 Company Female 17 With D27 1.54 D47 1.15 E27 2.16 Company Female 18 With D28 1.52 D48 1.11 E28 2.15 Company Female 19 With D29 1.48 D49 1.11 E29 2.11 Company Female 20 With D20 1.46 D40 1.11 E20 2.00

* If Farm class applies, enter an "F" in the 4th position of the class; otherwise leave blank. To determine the Farm Class Factor:

1. Determine the non-farm class factor. 2. Multiply the class factor in Step 1 by the Youthful Farm Class

Factor and round to 2 decimal places. Youthful Farm Class Factor Youthful Farm Class - Exchange 0.76 Youthful Farm Class - Company 0.83 Youthful Farm Class does not apply 1.00




Model Year Factors – PPA

Model Year * Comp Coll 2022 2.92 3.01 2021 2.78 2.87 2020 2.65 2.73 2019 2.52 2.60 2018 2.40 2.48 2017 2.29 2.36 2016 2.18 2.25 2015 2.08 2.14 2014 1.98 2.04 2013 1.89 1.94 2012 1.80 1.85 2011 1.71 1.78 2010 1.63 1.71 2009 1.55 1.64 2008 1.48 1.57 2007 1.41 1.50 2006 1.34 1.42 2005 1.28 1.34 2004 1.22 1.26 2003 1.16 1.19 2002 1.10 1.12 2001 1.05 1.06 2000 1.00 1.00 1999 0.95 0.95 1998 0.90 0.90 1997 0.86 0.87 1996 0.86 0.84 1995 0.86 0.82 1994 0.86 0.81 1993 0.86 0.80 1992 0.86 0.79 1991 0.86 0.78

1990 & Older 0.86 0.78 * For newer model years, multiply the factor for the most recent model year shown by 1.05 for each additional year for Comprehensive and 1.05 for Collision.




2011 > Phy Dam Symbol Factors (Model Years 2011 & Newer) – PPA *

Model Years 2011 & Newer Symbol Comp Coll Symbol Comp Coll

10 0.442 0.424 51 1.176 1.157 11 0.506 0.493 52 1.198 1.178 12 0.549 0.529 53 1.221 1.195 13 0.572 0.558 54 1.242 1.218 14 0.589 0.578 55 1.262 1.241 15 0.608 0.602 56 1.282 1.260 16 0.623 0.612 57 1.300 1.282 17 0.638 0.628 58 1.330 1.304 18 0.658 0.645 59 1.350 1.333 19 0.668 0.655 60 1.377 1.358 20 0.686 0.669 61 1.404 1.383 21 0.698 0.680 62 1.431 1.404 22 0.713 0.694 63 1.470 1.431 23 0.726 0.705 64 1.490 1.471 24 0.744 0.714 65 1.536 1.508 25 0.754 0.724 66 1.581 1.546 26 0.772 0.738 67 1.631 1.587 27 0.786 0.756 68 1.660 1.658 28 0.797 0.776 69 1.714 1.702 29 0.807 0.793 70 1.802 1.737 30 0.824 0.806 71 1.856 1.798 31 0.842 0.821 72 1.948 1.834 32 0.855 0.831 73 2.048 1.876 33 0.869 0.853 74 2.114 1.933 34 0.884 0.865 75 2.202 2.001 35 0.898 0.884 76 2.294 2.043 36 0.910 0.898 77 2.408 2.114 37 0.925 0.914 78 2.501 2.165 38 0.943 0.928 79 2.628 2.253 39 0.961 0.944 80 2.717 2.333 40 0.976 0.963 81 2.887 2.498 41 0.994 0.979 82 2.982 2.680 42 1.010 0.997 83 3.122 2.802 43 1.026 1.014 84 3.260 2.842 44 1.044 1.032 85 3.356 2.945 45 1.060 1.050 86 3.490 3.025 46 1.078 1.068 87 3.669 3.118 47 1.096 1.084 88 3.876 3.273 48 1.116 1.102 89 4.326 3.521 49 1.137 1.118 90 4.988 3.789 50 1.153 1.136

* Excludes Motor Homes and Special Interest Autos.




High Valued Vehicle Adjustment Factor (Model Years 2011 & Newer) – PPA *

Model Years 2011 & Newer

Cost New Comp Coll

$150,000 and below 1.000 1.000 $150,001-160,000 1.058 1.051 $160,001-170,000 1.116 1.101 $170,001-180,000 1.174 1.152 $180,001-190,000 1.232 1.202 $190,001-200,000 1.290 1.253 $200,001-210,000 1.348 1.303 $210,001-220,000 1.406 1.354 $220,001-230,000 1.464 1.404 $230,001-240,000 1.522 1.455 $240,001-250,000 1.580 1.505 $250,001-260,000 1.638 1.556 $260,001-270,000 1.696 1.606 $270,001-280,000 1.754 1.657 $280,001-290,000 1.812 1.707 $290,001-300,000 1.870 1.758

Vehicles valued over $300,000 - Refer to the instructions for "Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2011 & Newer) - PPA" * Excludes Motor Homes and Special Interest Autos. The Phy Dam Symbol Factors – PPA (Model Years 2011 & Newer) must be adjusted for vehicles with a Cost New greater than $150,000. To calculate the adjusted phy dam symbol factor for these vehicles:

1. Determine the Phy Dam Symbol Factor based on the Phy Dam Symbol Factors – PPA (Model Years 2011 & Newer) table.

2. Multiply the Phy Dam Symbol Factor from step 1 by the High Valued Vehicle Adjustment Factor. 3. Round the result of step 2 to three decimal places.




Phy Dam Symbol Factors (Model Years 2011 & Newer) – Motor Homes and Special Interest Autos

Model Years 2011 & Newer Cost New * Symbol Comp Coll

$10,000 and below 1 0.488 0.525

$10,001-20,000 2 0.709 0.731 $20,001-30,000 3 1.134 1.111 $30,001-40,000 4 1.546 1.463 $40,001-50,000 5 1.948 1.796 $50,001-60,000 6 2.343 2.117 $60,001-70,000 7 2.732 2.427 $70,001-80,000 8 3.116 2.729 $80,001-90,000 9 3.497 3.023 $90,001-100,000 A 3.874 3.311 $100,001-110,000 B 4.247 3.593 $110,001-120,000 C 4.618 3.871 $120,001-130,000 D 4.986 4.144 $130,001-140,000 E 5.352 4.414 $140,001-150,000 F 5.716 4.679 $150,001-160,000 G 6.046 4.915 $160,001-170,000 H 6.376 5.151 $170,001-180,000 J 6.706 5.387 $180,001-190,000 K 7.036 5.623 $190,001-200,000 L 7.366 5.859 $200,001-210,000 M 7.696 6.095 $210,001-220,000 N 8.026 6.331 $220,001-230,000 P 8.356 6.567 $230,001-240,000 R 8.686 6.803 $240,001-250,000 T 9.016 7.039 $250,001-260,000 U 9.346 7.275 $260,001-270,000 V 9.676 7.511 $270,001-280,000 W 10.006 7.747 $280,001-290,000 X 10.336 7.983 $290,001-300,000 Y 10.666 8.219

Vehicles valued over $300,000 - Refer to the instructions for "Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2011 & Newer) - Motor Homes and Special Interest Autos" * For Special Interest Autos, use Stated Amount rather than Cost New.




2010 < Phy Dam Symbol Factors (Model Years 2010 & Prior) – PPA

Model Years 1990 to 2010 Model Years 1989 & Prior Symbol* Comp Coll Symbol* Comp Coll

01 0.56 0.61 01 0.18 0.35 02 0.61 0.68 02 0.18 0.35 03 0.67 0.74 03 0.18 0.35 04 0.72 0.79 04 0.21 0.38 05 0.78 0.83 05 0.26 0.43 06 0.83 0.87 06 0.40 0.53 07 0.88 0.91 07 0.52 0.63 08 0.94 0.96 08 0.59 0.74

10(A) 1.00 1.00 10(J) 0.72 0.84 11(C) 1.06 1.03 11(K) 0.82 0.91 12(E) 1.12 1.09 12(M) 1.02 1.02 13(F) 1.19 1.15 13(N) 1.22 1.11 14(G) 1.25 1.21 15(R) 1.49 1.16 15(H) 1.32 1.28 16(S) 1.58 1.23 16(J) 1.39 1.35 17(T) 1.66 1.33 17(K) 1.45 1.43 18(U) 1.75 1.36 18(L) 1.53 1.51 19(V) 1.98 1.50 19(M) 1.60 1.62 20(W) 2.12 1.55 20(N) 1.68 1.74 21(X) 2.12 1.61 21(P) 1.76 1.87 22(Y) 2.12 1.66 22(R) 1.84 1.98 23(A) 2.12 1.81 23(T) 1.94 2.11 24(B) 2.12 1.84 24(U) 2.04 2.28 25(C) 2.12 1.92 25(W) 2.16 2.50 26(D) 2.12 2.02 26(X) 2.30 2.80 27(E) 2.12 2.09

27(Y)** 28(F) 2.12 2.13 29(G) 2.12 2.26 30(H) 2.12 2.30 99(Z)**

* The letter in parentheses following the number symbol is for Home Office use only. ** Refer to "Phy Dam Symbol Factors (Model Years 2010 & Prior) - High Valued Vehicles" for:

• vehicles with a model year of 1990 to 2010, valued over $80,000 • vehicles with a model year of 1989 & prior valued over $60,000.




Phy Dam Symbol Factors (Model Years 2010 & Prior) – High Valued Vehicles

Cost New *

Model Years 2010 & Prior

PPA **

Motor Homes & Special Interest Autos

Comp Coll Comp Coll

$60,001-70,000 2.16 2.50 2.16 2.50 $70,001-80,000 2.30 2.80 2.30 2.80 $80,001-90,000 2.60 3.00 2.60 3.20 $90,001-100,000 2.90 3.20 2.90 3.60 $100,001-110,000 3.20 3.40 3.20 4.00 $110,001-120,000 3.50 3.60 3.50 4.40 $120,001-130,000 3.80 3.80 3.80 4.80 $130,001-140,000 4.10 4.00 4.10 5.20 $140,001-150,000 4.40 4.20 4.40 5.60 $150,001-160,000 4.70 4.40 4.70 6.00 $160,001-170,000 5.00 4.60 5.00 6.40 $170,001-180,000 5.30 4.80 5.30 6.80 $180,001-190,000 5.60 5.00 5.60 7.20 $190,001-200,000 5.90 5.20 5.90 7.60 $200,001-210,000 6.20 5.40 6.20 8.00 $210,001-220,000 6.50 5.60 6.50 8.40 $220,001-230,000 6.80 5.80 6.80 8.80 $230,001-240,000 7.10 6.00 7.10 9.20 $240,001-250,000 7.40 6.20 7.40 9.60 $250,001-260,000 7.70 6.40 7.70 10.00 $260,001-270,000 8.00 6.60 8.00 10.40 $270,001-280,000 8.30 6.80 8.30 10.80 $280,001-290,000 8.60 7.00 8.60 11.20 $290,001-300,000 8.90 7.20 8.90 11.60

For vehicles valued over $300,000 - refer to the instructions for "Symbol Factors for Cost New over $300,000 (Model Years 2010 & Prior)" * For Special Interest Autos, use Stated Amount rather than Cost New. ** Excludes Motor Homes and Special Interest Autos.




Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2011 & Newer) – PPA * The "High Valued Vehicle Adjustment Factor (Model Years 2011 & Newer) - PPA" table shows factors calculated up to a cost new of $300,000. To calculate symbol factors for vehicles with a cost new over $300,000:

1. Determine the number of $10,000 cost new ranges over $300,000. Example: For a vehicle with a $355,000 cost new, the $10,000 range is $350,001-$360,000. This is 6 ranges above $300,000.

2. Determine the add-on factor by multiplying the number of ranges from step 1 by .060 for Comp; .052 for Coll. For the example above the add-on factors would be 6 x .060 = 0.360 for the Comp add-on factor and 6 x .052 = 0.312 for the Coll add-on factor.

3. Take the add-on factors calculated in step 2 and add to the appropriate $290,001-$300,000 cost new factor shown in the table of "High Valued Vehicle Adjustment Factor (Model Years 2011 & Newer) - PPA". For the example above the High Valued Vehicle Adjustment factors would be 1.870 + 0.360 = 2.230 for Comp and 1.758 + 0.312 = 2.070 for Coll.

4. Determine the Phy Dam Symbol Factor based on the “Phy Dam Symbol Factors (Model Years 2011 & Newer) – PPA” table.

5. Multiply the result of step 4 by the result of step 3 and round to three decimal places. 6. Contact the P/C Actuarial Department if assistance is needed.

* Excludes Motor Homes and Special Interest Autos. Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2011 & Newer) – Motor Homes and Special Interest Autos NOTE Special Interest Autos, as defined in RULE 24, are rated using Stated Amount rather than Cost New. All references below to "Cost New" are assumed to refer to "Stated Amount" for Special Interest Autos. The tables of "Phy Dam Symbol Factors (Model Years 2011 & Newer) – Motor Homes and Special Interest Autos" show factors calculated up to a cost new of $300,000. To calculate symbol factors for vehicles with a cost new over $300,000:

1. Determine the number of $10,000 cost new ranges over $300,000. Example: For a motor home with a $355,000 cost new, the $10,000 range is $350,001-$360,000. This is 6 ranges above $300,000.

2. Determine the add-on factor by multiplying the number of ranges from step 1 by .360 for Comp; .280 for Coll. For the motor home example the add-on factors would be 6 x .360 = 2.160 for the Comp add-on factor and 6 x .280 = 1.680 for the Coll add-on factor.

3. Take the add-on factors calculated in step 2 and add to the appropriate $290,001-$300,000 cost new factor shown in the table of "Phy Dam Symbol Factors (Model Years 2011 & Newer) – Motor Homes and Special Interest Autos" For the example above the Phy Dam Symbol factors would be 10.666 + 2.160 = 12.826 for Comp and 8.219 + 1.680 = 9.899.

4. Contact the P/C Actuarial Department if assistance is needed.




Phy Dam Symbol Factors for Cost New over $300,000 (Model Years 2010 & Prior) NOTE Special Interest Autos, as defined in RULE 24, are rated using Stated Amount rather than Cost New. All references below to "Cost New" are assumed to refer to "Stated Amount" for Special Interest Autos. The tables of "Phy Dam Symbol Factors (Model Years 2010 & Prior) - High Valued Vehicles" show factors calculated up to a cost new of $300,000. To calculate symbol factors for vehicles with a cost new over $300,000:

1. Determine the number of $10,000 cost new ranges over $300,000. Example: For a motor home with a $355,000 cost new, the $10,000 range is $350,001-$360,000. This is 6 ranges above $300,000.

2. Determine the add-on factor by multiplying the number of ranges from step 1 by .30 for Comp; .40 for Coll Motor Homes and Special Interest Autos; .20 for Coll Other PPA. For the motor home example the add-on factors would be 6 x .30 = 1.80 for the Comp add-on factor and 6 x .40 = 2.40 for the Coll Motor Home add-on factor.

3. Take the add-on factors calculated in step 2 and add to the appropriate $290,001-$300,000 cost new factor shown in the table of "Phy Dam Symbol Factors (Model Years 2010 & Prior) - High Valued Vehicles".

4. Contact the P/C Actuarial Department if assistance is needed.




Deductible Factors - PPA

Deductible Comp w/o Full Window Glass

Comp w/ Full Window Glass Coll

No Ded * 1.26 - - $50 1.00 1.09 - 100 0.89 0.99 1.134 150 0.80 0.91 1.083 200 0.75 0.87 1.035 250 0.70 0.83 1.000 500 0.57 0.75 0.876

1,000 0.43 0.65 0.682 1,500 0.33 0.58 0.556 2,000 0.26 0.52 0.460 2,500 0.20 0.47 0.386 5,000 0.18 0.45 0.235 10,000 0.15 0.44 0.130

* This deductible may not be written in the Company

Youthful Driver Discount

Operator Type Exchange Company Occasional Operator 0.90 0.95 Principal Operator 0.90 0.95

Accident Prevention Course Discount Factor Accident Prevention Course Discount 0.95 Accident Prevention Course Discount does not apply 1.00

College Student Discount Factor College Student Discount 0.75 College Student Discount does not apply 1.00

Passive Restraint Discount Factor Automatic Seat Belts 0.85 Driver Side Front Airbags only 0.85 Driver Side and Passenger-side Front Airbags only 0.85 Two Front Airbags and Side-Impact Airbags 0.70 Passive Restraint does not apply 1.00

Anti-Lock Brake Discount Factor Anti-Lock Brake Discount 0.92 Anti-Lock Brake does not apply 1.00




Anti-Theft Discount Factor Active 0.95 Passive 0.90 Anti-Theft does not apply 1.00

Performance Car Factor Applies to comp and collision only High Performance or Hot Car 1.20 Sports Car 1.10 Intermediate Performance Car 1.05 Premium Performance Car 1.05 Premium Performance Car Factor does not apply 1.00

Special Motor Home Discount Factor Special Motor Home Discount 0.30 Special Motor Home Discount does not apply 1.00

Reduced Usage Factor Reduced Usage 0.60 Reduced Usage does not apply 1.00

Multi-Policy Discount Factor PPA and HP 0.90 PPA and Life 0.95 PPA, HP and Life 0.86 Multi-Policy Discount does not apply 1.00

Limited Tort Factors - Excluding CSL

Zones 131, 132, 133, Coverage 135, 143, 144, 152, 153 Remainder

Bodily Injury 0.600 0.600 Property Damage 1.000 1.000 Medical Expense 0.500 0.600

Income Loss 0.500 0.600 Combination Package 0.500 0.600

Funeral Expense 0.500 0.600 Accidental Death 0.500 0.600

Extraordinary Medical Benefits 1.000 1.000 Uninsured Motorists 0.400 0.520

Underinsured Motorists 0.400 0.520 Comprehensive 1.000 1.000

Collision 1.000 1.000




Limited Tort Factors - CSL

Zone Factor Zone Factor 2 0.756 99 0.754 3 0.768 100 0.769 4 0.770 101 0.774 6 0.761 102 0.773 7 0.769 103 0.781 8 0.778 104 0.786 9 0.771 105 0.784

10 0.768 106 0.789 11 0.770 107 0.772 12 0.760 108 0.786 13 0.783 109 0.783 14 0.753 110 0.738 15 0.778 111 0.738 16 0.759 112 0.753 17 0.753 113 0.749 18 0.768 114 0.764 19 0.751 115 0.752 20 0.757 116 0.763 21 0.771 117 0.760 22 0.759 118 0.755 23 0.758 119 0.779 24 0.773 120 0.755 25 0.776 121 0.738 26 0.768 122 0.771 27 0.770 123 0.762 28 0.768 124 0.767 29 0.778 126 0.754 30 0.768 127 0.754 31 0.727 128 0.771 32 0.742 129 0.754 33 0.746 130 0.770 40 0.769 131 0.706 54 0.756 132 0.706 55 0.753 133 0.710 56 0.762 135 0.702 57 0.765 136 0.766 58 0.770 137 0.749 59 0.770 138 0.767 61 0.769 140 0.757 73 0.762 141 0.747 82 0.773 142 0.763 83 0.763 143 0.720 84 0.752 144 0.740 85 0.750 145 0.757 88 0.751 146 0.774 91 0.763 147 0.777 92 0.762 148 0.752 93 0.759 149 0.762 94 0.757 150 0.755 95 0.751 151 0.754 96 0.756 152 0.712 97 0.755 153 0.703 98 0.770




Safe Driver Discount Exchange - New Business

Exchange - Renewal Business Number of claims during last five years - Greater than the dollar threshold Years Insured w/ 1 2 or more The ERIE * Claims- Not Not 1 or More Free at- fault At- fault at- fault at- fault

0 - 2 0.97 1.00 1.00 1.00 1.00 3 - 5 0.90 1.00 1.00 1.00 1.00 6 - 8 0.85 0.98 1.00 1.00 1.00 9 - 11 0.82 0.98 1.00 1.00 1.00 12 + 0.82 0.97 1.00 1.00 1.00

* Applicable if no DDP accident surcharge applies to the policy. Company - New and Renewal Business

Years Insured with The ERIE *

Number of claims during last five years - Greater than the dollar threshold

Claims-Free 1 2 3 or more

Not- at- fault At- fault Not- at-

fault 1 or more At- fault

Not- at- fault

1 or more At- fault

0 - 2 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0 – 2** 0.95 0.95 1.00 1.00 1.00 1.00 1.00 3 - 5 0.90 0.90 0.95 0.95 0.98 1.00 1.00 6 - 8 0.89 0.89 0.95 0.95 0.98 1.00 1.00 9 - 11 0.88 0.88 0.94 0.94 0.97 1.00 1.00

12 - 14 0.87 0.87 0.94 0.94 0.97 1.00 1.00 15 + 0.86 0.86 0.93 0.93 0.97 1.00 1.00

* Applicable if no DDP accident surcharge applies to the policy. ** Use this row if specified criteria in the following note is met. See RULES pages for qualification standards for the Safe Driver Discount. NOTE (Company only) A new policy or a policy insured by The ERIE for less than three years will qualify for a 5% SDD discount if:

• The combined driving record during the last three years for all drivers on the policy includes: o No major driving violations (2 or more surcharge points under DDP), o No more than one minor driving violation (1 surcharge point under DDP), and o No at-fault accidents (no threshold applies.)

• No vehicle on the policy has been driven without insurance in violation of any financial responsibility or compulsory insurance requirement for the past 12 months.

• Named Insureds with less than three years driving experience qualify for a 5% SDD discount as long as their driving experience qualifies and the policy qualifies for a Multi-Car Discount.

Qualifies for Does not Qualify Inception Date Discount for Discount

From 7/1/05 to 9/30/06 0.90 1.00 From 10/1/06 to 10/31/08 0.83 1.00 From 11/1/08 to 3/31/09 0.88 1.00

On or after 4/1/09 0.92 1.00




Tier Factor Determination For purpose of this rule:

• "Auto & Home" means that the policy is receiving an auto and home multi-policy discount, and "Auto Only" means that the policy is NOT receiving an auto and home multi-policy discount.

• Erie Insurance Group uses mutually exclusive underwriting characteristics to assign the tiers. • Tier assignment is independent of all other rating characteristics (rating variables). • Downward tier movement refers to moving to lower-priced tiers.

The tier factors in the tables below will apply to BI, PD, CSL, FPB, UM/UIM, Comp, and Coll coverages for all vehicle types. All vehicles/drivers on a policy will be rated in the same tier. (Tiers 1A to 29A and 99A) Policies originally written prior to 3/1/05. We will not re-evaluate the tier at renewal, except upon the request of an insured or an insured’s agent. However, even if requested, we will not re-evaluate if the tier was re-evaluated less than twelve (12) months before the date of the request, and ERIE had re-rated the policy based upon that new tier. In addition, if the re-evaluated tier is higher than the original tier, ERIE will continue to rate using the original tier (i.e., ERIE will only change the tier to a lower rated tier). (Tiers 1B to 29B and 99B) Policies originally written on or after 3/1/05. Exchange and Company new business policies will be evaluated and placed in the appropriate tier. We will not re-evaluate the tier at renewal, except upon the request of an insured or an insured’s agent. However, even if requested, we will not re-evaluate if the tier was re-evaluated less than twelve (12) months before the date of the request, and ERIE had re-rated the policy based upon that new tier. In addition, if the re-evaluated tier is higher than the original tier, ERIE will continue to rate using the original tier (i.e., ERIE will only change the tier to a lower rated tier).




Tier Factors - Exchange Inception Date Prior to 3/1/05 Auto and Home Auto Only Tier BI/PD FPB/UM/UIM Comp Coll BI/PD FPB/UM/UIM Comp Coll 01A 0.84 0.83 0.70 0.74 0.82 0.81 0.68 0.72 02A 0.84 0.83 0.73 0.76 0.82 0.81 0.71 0.74 03A 0.84 0.83 0.76 0.78 0.82 0.81 0.74 0.76 04A 0.84 0.83 0.79 0.80 0.82 0.81 0.77 0.78 05A 0.84 0.83 0.82 0.83 0.82 0.81 0.80 0.81 06A 0.87 0.83 0.85 0.87 0.84 0.82 0.82 0.84 07A 0.89 0.86 0.88 0.89 0.86 0.83 0.85 0.86 08A 0.91 0.89 0.91 0.91 0.89 0.87 0.89 0.89 09A 0.93 0.94 0.94 0.93 0.92 0.93 0.93 0.92 10A 0.96 0.96 0.96 0.96 0.95 0.95 0.95 0.95 11A 1.00 1.00 1.00 1.00 0.99 0.99 0.99 0.99 12A 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 13A 1.06 1.06 1.07 1.06 1.08 1.08 1.09 1.08 14A 1.11 1.11 1.10 1.10 1.14 1.14 1.13 1.13 15A 1.15 1.15 1.14 1.15 1.19 1.19 1.18 1.19 16A 1.20 1.20 1.19 1.22 1.25 1.25 1.24 1.27 17A 1.28 1.28 1.25 1.29 1.32 1.32 1.29 1.33 18A 1.33 1.33 1.29 1.35 1.38 1.38 1.34 1.40 19A 1.39 1.41 1.33 1.42 1.46 1.48 1.40 1.49 20A 1.48 1.50 1.37 1.50 1.55 1.57 1.44 1.57 21A 1.58 1.61 1.42 1.58 1.66 1.69 1.49 1.66 22A 1.67 1.75 1.46 1.66 1.77 1.85 1.55 1.76 23A 1.78 1.91 1.51 1.75 1.88 2.02 1.60 1.85 24A 1.89 2.08 1.56 1.84 2.00 2.14 1.65 1.95 25A 2.01 2.14 1.61 1.94 2.14 2.14 1.71 2.06 26A 2.14 2.14 1.67 2.05 2.14 2.14 1.78 2.14 27A 2.14 2.14 1.72 2.14 2.14 2.14 1.83 2.14 28A 2.14 2.14 1.78 2.14 2.14 2.14 1.92 2.14 29A 2.14 2.14 1.85 2.14 2.14 2.14 1.98 2.14 99A 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00




Tier Factors – Exchange Inception Date After 3/1/05

Tier Auto and Home Auto Only BI/PD FPB/UM/UIM Comp Coll BI/PD FPB/UM/UIM Comp Coll

01B 0.84 0.83 0.70 0.74 0.82 0.81 0.68 0.72 02B 0.84 0.83 0.73 0.76 0.82 0.81 0.71 0.74 03B 0.84 0.83 0.76 0.78 0.82 0.81 0.74 0.76 04B 0.84 0.83 0.79 0.80 0.82 0.81 0.77 0.78 05B 0.84 0.83 0.82 0.83 0.82 0.81 0.80 0.81 06B 0.87 0.83 0.85 0.87 0.84 0.82 0.82 0.84 07B 0.89 0.86 0.88 0.89 0.86 0.83 0.85 0.86 08B 0.91 0.89 0.91 0.91 0.89 0.87 0.89 0.89 09B 0.93 0.94 0.94 0.93 0.92 0.93 0.93 0.92 10B 0.96 0.96 0.96 0.96 0.95 0.95 0.95 0.95 11B 1.00 1.00 1.00 1.00 0.99 0.99 0.99 0.99 12B 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 13B 1.06 1.06 1.07 1.06 1.08 1.08 1.09 1.08 14B 1.11 1.11 1.10 1.10 1.14 1.14 1.13 1.13 15B 1.15 1.15 1.14 1.15 1.19 1.19 1.18 1.19 16B 1.20 1.20 1.19 1.22 1.25 1.25 1.24 1.27 17B 1.28 1.28 1.25 1.29 1.32 1.32 1.29 1.33 18B 1.33 1.33 1.29 1.35 1.38 1.38 1.34 1.40 19B 1.39 1.41 1.33 1.42 1.46 1.48 1.40 1.49 20B 1.48 1.50 1.37 1.50 1.55 1.57 1.44 1.57 21B 1.58 1.61 1.42 1.58 1.66 1.69 1.49 1.66 22B 1.67 1.75 1.46 1.66 1.77 1.85 1.55 1.76 23B 1.78 1.91 1.51 1.75 1.88 2.02 1.60 1.85 24B 1.89 2.08 1.56 1.84 2.00 2.21 1.65 1.95 25B 2.01 2.25 1.61 1.94 2.14 2.39 1.71 2.06 26B 2.14 2.44 1.67 2.05 2.28 2.60 1.78 2.19 27B 2.27 2.65 1.72 2.15 2.41 2.82 1.83 2.29 28B 2.39 2.84 1.78 2.25 2.57 3.06 1.92 2.42 29B 2.56 3.08 1.85 2.38 2.75 3.30 1.98 2.55 99B 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00




Tier Factors – Company Inception Date Prior to 3/1/05


01A 0.64 0.63 0.53 0.56 0.62 0.61 0.51 0.54 02A 0.64 0.63 0.55 0.58 0.62 0.61 0.53 0.56 03A 0.65 0.64 0.59 0.60 0.63 0.62 0.57 0.58 04A 0.66 0.65 0.62 0.62 0.64 0.63 0.60 0.60 05A 0.66 0.65 0.64 0.65 0.64 0.63 0.62 0.63 06A 0.68 0.65 0.66 0.68 0.66 0.64 0.64 0.66 07A 0.70 0.68 0.69 0.70 0.68 0.66 0.67 0.68 08A 0.73 0.71 0.73 0.73 0.71 0.69 0.71 0.71 09A 0.76 0.77 0.77 0.76 0.75 0.76 0.76 0.75 10A 0.79 0.79 0.79 0.79 0.78 0.78 0.78 0.78 11A 0.83 0.83 0.83 0.83 0.82 0.82 0.82 0.82 12A 0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89 13A 0.95 0.95 0.96 0.95 0.97 0.97 0.98 0.97 14A 1.01 1.01 1.00 1.00 1.04 1.04 1.03 1.03 15A 1.06 1.06 1.05 1.06 1.07 1.07 1.06 1.07 16A 1.08 1.08 1.07 1.10 1.11 1.11 1.10 1.13 17A 1.11 1.11 1.09 1.12 1.19 1.19 1.16 1.19 18A 1.18 1.18 1.14 1.19 1.25 1.25 1.21 1.26 19A 1.24 1.26 1.19 1.27 1.32 1.34 1.27 1.35 20A 1.33 1.35 1.23 1.35 1.42 1.44 1.32 1.44 21A 1.45 1.48 1.30 1.45 1.55 1.58 1.39 1.55 22A 1.55 1.62 1.36 1.54 1.66 1.73 1.45 1.65 23A 1.67 1.79 1.42 1.64 1.78 1.91 1.51 1.75 24A 1.79 1.97 1.48 1.74 1.91 2.11 1.57 1.86 25A 1.92 2.15 1.54 1.85 2.06 2.30 1.64 1.98 26A 2.04 2.33 1.60 1.96 2.18 2.49 1.71 2.10 27A 2.19 2.55 1.66 2.07 2.34 2.74 1.77 2.22 28A 2.33 2.77 1.73 2.19 2.50 2.97 1.87 2.35 29A 2.50 3.00 1.80 2.32 2.69 3.23 1.94 2.49 99A 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00




Tier Factors - Company Inception Date After 3/1/05


01B 0.64 0.63 0.53 0.56 0.62 0.61 0.51 0.54 02B 0.64 0.63 0.55 0.58 0.62 0.61 0.53 0.56 03B 0.65 0.64 0.59 0.60 0.63 0.62 0.57 0.58 04B 0.66 0.65 0.62 0.62 0.64 0.63 0.60 0.60 05B 0.66 0.65 0.64 0.65 0.64 0.63 0.62 0.63 06B 0.68 0.65 0.66 0.68 0.66 0.64 0.64 0.66 07B 0.70 0.68 0.69 0.70 0.68 0.66 0.67 0.68 08B 0.73 0.71 0.73 0.73 0.71 0.69 0.71 0.71 09B 0.76 0.77 0.77 0.76 0.75 0.76 0.76 0.75 10B 0.79 0.79 0.79 0.79 0.78 0.78 0.78 0.78 11B 0.83 0.83 0.83 0.83 0.82 0.82 0.82 0.82 12B 0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89 13B 0.95 0.95 0.96 0.95 0.97 0.97 0.98 0.97 14B 1.01 1.01 1.00 1.00 1.04 1.04 1.03 1.03 15B 1.06 1.06 1.05 1.06 1.07 1.07 1.06 1.07 16B 1.08 1.08 1.07 1.10 1.11 1.11 1.10 1.13 17B 1.11 1.11 1.09 1.12 1.19 1.19 1.16 1.19 18B 1.18 1.18 1.14 1.19 1.25 1.25 1.21 1.26 19B 1.24 1.26 1.19 1.27 1.32 1.34 1.27 1.35 20B 1.33 1.35 1.23 1.35 1.42 1.44 1.32 1.44 21B 1.45 1.48 1.30 1.45 1.55 1.58 1.39 1.55 22B 1.55 1.62 1.36 1.54 1.66 1.73 1.45 1.65 23B 1.67 1.79 1.42 1.64 1.78 1.91 1.51 1.75 24B 1.79 1.97 1.48 1.74 1.91 2.11 1.57 1.86 25B 1.92 2.15 1.54 1.85 2.06 2.30 1.64 1.98 26B 2.04 2.33 1.60 1.96 2.18 2.49 1.71 2.10 27B 2.19 2.55 1.66 2.07 2.34 2.74 1.77 2.22 28B 2.33 2.77 1.73 2.19 2.50 2.97 1.87 2.35 29B 2.50 3.00 1.80 2.32 2.69 3.23 1.94 2.49 99B 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00




Car Driver Rating Factors No Youthfuls Present

Number of Vehicles

Number of Drivers 1 2 3 4+

1 1.00 1.10 1.15 1.20 2 0.95 0.95 1.05 1.10 3 0.90 0.90 1.00 1.05

4+ 0.85 0.85 0.95 1.00 Youthfuls Present (Age 21 & Under)

Number of Vehicles

Number of Drivers 1 2 3 4+

1 1.00 1.10 1.15 1.20 2 1.00 1.05 1.10 1.15 3 1.00 1.00 1.00 1.05

4+ 1.00 1.00 1.00 1.00 Pay Plan Discount Factor

Annual (Plan A) With discount 0.93

With credit card payment option 1.00 Third-Third-Third (Plan B) 0.95 Payment Plan Discount Does Not Apply 1.00

Advance Quote Discount

Shopping Days Policy Age Discount Factor

0 to 6 All 1.000 7 or more 0 0.950

1 0.960 2 0.970 3 0.980 4 0.990 5 or more 1.000

Prior Bodily Injury Limits Discount

Coverage Limit Discount Factor

< $300,000 per occurrence 1.000 Bodily Injury >= $300,000 per occurrence 0.975

No Current Bodily Injury coverage 1.000 < $300,000 per occurrence 1.000 Combined Single Limits >= $300,000 per occurrence 0.975 No Current Combined Single Limits coverage 1.000




Youthful Driver Longevity Discount

Exchange policies only

Policy Age Discount Factor 0 1.000 1 0.990 2 0.980 3 0.970 4 0.960 5 0.950 6 0.940 7 0.930 8 0.915 9 0.900

10 0.885 11 0.870 12 0.855 13 0.840 14 0.825

15+ 0.810




Renewal Capping Factor (Renewal Transactions) Determination of Renewal Capping Factor (Renewal Transactions)

1. Determine the “premium using last year’s rates and factors” - Rate the renewal using the current policy data but using the rates that were in effect as of the current effective date of the renewal minus one year – If applicable, this will include the capping factor that was applied to the prior policy term (i.e., the policy term with expiration date = the current effective date of the renewal)

2. Determine the “premium using the current rates and factors” - Rate the renewal using the current policy data and current rates with a capping factor of 1.0000 – This is considered the “uncapped policy premium”

3. Determine the “uncapped factor” by dividing the resulting premium from step 2 by the resulting premium from step 1. Round to four decimal places.

4. (Exchange only) Determine the “renewal capping factor” using the following formula:

The “renewal capping factor” = 1.000 if the result of step 3 is less than or equal to 2.00 and is greater or equal to 0.10. Otherwise, determine the “capped policy premium”:

a. If the result of step 3 is greater than 2.00, then multiply 2.00 by the result of step 1. b. If the result of step 3 is less than 0.10, then multiply 0.10 by the result of step 1.

Then, determine the “renewal capping factor” by dividing the “capped policy premium” by the result of step 2. Round to four decimal places.

5. (Company only) Determine the “renewal capping factor” using the following formula: The “renewal capping factor” = 1.000 if the result of step 3 is less than or equal to 2.00 and is greater or equal to 0.10. Otherwise, determine the “capped policy premium”:

a. If the result of step 3 is greater than 2.00, then multiply 2.00 by the result of step 1. b. If the result of step 3 is less than 0.10, then multiply 0.10 by the result of step 1.

Then, determine the “renewal capping factor” by dividing the “capped policy premium” by the result of step 2. Round to four decimal places.




Renewal Capping Factor (Endorsement Transactions) Determination of Renewal Capping Factor (Endorsement Transactions)

1. Rate the endorsement with capping factor = 1.000.

2. Determine the uncapped premium of the last renewal which is equal to the capped premium of the last renewal divided by the capping factor applied to the last renewal. Round to nearest dollar.

3. Determine the capping factor applied to the last renewal.

4. Subtract the result of step 2 from the result of step 1.

5. Determine “capping factor 2” using the following formula: If the result of step 4 is less than or equal to zero, then “capping factor 2” is equal to the result of step 3 Or, if the result of step 4 is greater than zero, then “capping factor 2” is equal to 1.0000

6. Multiply the result of step 2 by step 3.

7. Multiply the result of step 4 by step 5.

8. Add the results of step 6 and step 7.

9. Divide the result of step 8 by the result of step 1. Round to four decimal places. This is the new capping

factor.




Road Service Rates

RATE PER AUTO OR MOTORCYCLE (excluding Motor Homes)

Exchange $4 Company $6

Road Service will not be sold without Comp coverage.

RATE PER RECREATIONAL CAMPING VEHICLE (including Motor Homes)

Exchange $5 Company $8

Road Service will not be sold without Comp coverage. Transportation Expense Rates

Limit per day/Limit per disablement COMP COLL

Class 1 - $20/900 - 10 Class 2 - 25/1,125 6 18 Class 3 - 30/1,350 9 25 Class 4 - 35/1,575 10 30 Class 5 - 40/1,800 13 35

Class 6 - 100/4,500 * 28 61 * Only applies to vehicles specially equipped to be operated or accessible by an individual with a disability.

Non-Owned Endorsement

Step Variable NO-BI

NO-PD

NO-CSL

NO-Med Exp

NO-Inc

Loss

NO-Comb Ben

NO-Fun Exp

NO-Acc

Death NO-EMB

NO-UMBI

NO-UIMBI

NO-Comp

NO-Coll

1 Base Rate*

2 Vehicle Insured with Erie Factor

3 Increased Limit Factor* 4 Premium = (1) x (2) x (3)

Notes:

1. “NO”- means non-owned. 2. The deductible will be $500 for non-owned collision coverage for all policies. 3. The deductible will be $250 for non-owned comprehensive coverage for all policies. 4. The non-owned physical damage deductible requirement does not restrict the deductible options available to other owned, regularly insured, vehicles on the policy. 5. * See PPA rates and factors

Vehicle Insured

with Erie Factor

NO-BI

NO-PD

NO-CSL

NO-Med Exp

NO-Inc

Loss

NO-Comb Ben

NO-Fun Exp

NO-Acc

Death NO-EMB

NO-UMBI

NO-UIMBI

NO-Comp

NO-Coll

Yes 0.017 0.024 0.019 0.014 0.012 0.015 0.014 0.014 0.014 0.017 0.025 0.032 0.046 No 0.169 0.240 0.194 0.137 0.120 0.151 0.137 0.137 0.137 0.174 0.252 0.322 0.463




Rate Protection Endorsement Factors – Liability and Other

RPE Cluster

Liability RPE Rating Factor Other RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H Region

C Region

D Region

E Region

F Region

G Region

H 1 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 0.903259 0.736812 0.815683 0.782654 1.042553 1.006102 2 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 0.934642 0.762411 0.844021 0.809846 1.078775 1.041057 3 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 0.966025 0.788012 0.872362 0.837040 1.114997 1.076012 4 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 0.997405 0.813611 0.900701 0.864231 1.151218 1.110967 5 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 1.028790 0.839212 0.929042 0.891424 1.187441 1.145925 6 0.801471 0.733264 0.792418 0.741500 0.910576 0.873086 1.060173 0.864811 0.957382 0.918618 1.223665 1.180881 7 0.824692 0.754510 0.815378 0.762985 0.936960 0.898382 1.091555 0.890410 0.985722 0.945808 1.259886 1.215835 8 0.847917 0.775755 0.838340 0.784470 0.963345 0.923682 1.122938 0.916012 1.014061 0.973002 1.296108 1.250792 9 0.871139 0.797003 0.861301 0.805957 0.989728 0.948979 1.154322 0.941611 1.042403 1.000196 1.332332 1.285748 10 0.894362 0.818250 0.884261 0.827442 1.016114 0.974278 1.185703 0.967211 1.070742 1.027386 1.368554 1.320704 11 0.917585 0.839495 0.907221 0.848927 1.042498 0.999576 1.217087 0.992811 1.099082 1.054580 1.404777 1.355661 12 0.940808 0.860743 0.930182 0.870411 1.068882 1.024875 1.248469 1.018409 1.127422 1.081771 1.440997 1.390614 13 0.964032 0.881990 0.953143 0.891898 1.095268 1.050173 1.279851 1.044011 1.155762 1.108964 1.477220 1.425570 14 0.987255 0.903237 0.976103 0.913384 1.121652 1.075472 1.311236 1.069610 1.184104 1.136159 1.513444 1.460528 15 1.010477 0.924483 0.999064 0.934868 1.148035 1.100769 1.342617 1.095210 1.212442 1.163348 1.549665 1.495484 16 1.033700 0.945730 1.022025 0.956354 1.174421 1.126067 1.374001 1.120811 1.240784 1.190542 1.585889 1.530440 17 1.056924 0.966978 1.044986 0.977840 1.200806 1.151366 1.405383 1.146408 1.269121 1.217735 1.622111 1.565396 18 1.080148 0.988224 1.067947 0.999326 1.227191 1.176665 1.545921 1.261050 1.396035 1.339508 1.784321 1.721934 19 1.103372 1.009471 1.090909 1.020810 1.253576 1.201963 1.855105 1.513258 1.675240 1.607408 2.141185 2.066322 20 1.126592 1.030717 1.113868 1.042296 1.279957 1.227258 2.411638 1.967238 2.177813 2.089633 2.783541 2.686219 21 1.149816 1.051963 1.136829 1.063781 1.306343 1.252558 22 1.173039 1.07321 1.15979 1.085266 1.332727 1.277856 23 1.196263 1.094457 1.182751 1.106752 1.359112 1.303155 24 1.219485 1.115704 1.20571 1.128237 1.385496 1.328452 25 1.24271 1.136951 1.228673 1.149724 1.411882 1.353753 26 1.41813 1.297444 1.402114 1.312019 1.611183 1.544848 27 1.500631 1.372924 1.483682 1.388345 1.704915 1.634720 28 1.583129 1.4484 1.565248 1.464672 1.798644 1.724590 29 1.665627 1.523878 1.646814 1.540997 1.892373 1.814461 30 1.748125 1.599357 1.728381 1.617322 1.986101 1.904328 31 1.92294 1.759294 1.90122 1.779055 2.184712 2.094764 32 2.30753 2.111154 2.281466 2.134869 2.621659 2.513720 33 34 35 36 37 38 39 40 41 42 43




Rate Protection Endorsement Factors – Comprehensive and Collision

RPE Cluster

Comp RPE Rating Factor Collision RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H Region

C Region

D Region

E Region

F Region

G Region

H 1 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 2 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 3 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 4 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 5 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 6 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 7 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 8 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 9 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 10 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 11 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 12 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 13 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 14 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 15 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 16 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 17 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 18 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 19 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 20 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 21 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 22 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 23 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 24 0.610541 0.601869 0.570487 0.571655 0.647124 0.628166 0.821137 0.806174 0.795781 0.810257 0.860370 0.865352 25 0.610541 0.613742 0.570487 0.571655 0.647124 0.628166 0.833552 0.818366 0.807811 0.822514 0.873380 0.878429 26 0.610541 0.625647 0.570487 0.573459 0.647124 0.628166 0.846327 0.830900 0.820208 0.835115 0.886766 0.891898 27 0.611647 0.638018 0.570487 0.584795 0.648292 0.629304 0.860484 0.844797 0.833911 0.849078 0.901594 0.906815 28 0.623559 0.650432 0.579980 0.596183 0.660918 0.641559 0.873920 0.857992 0.846940 0.862340 0.915670 0.920977 29 0.635502 0.662889 0.591091 0.607592 0.673576 0.653847 0.887283 0.871107 0.859888 0.875531 0.929673 0.935053 30 0.648052 0.675982 0.602776 0.619599 0.686878 0.666759 0.900316 0.883912 0.872520 0.888387 0.943331 0.948789 31 0.660388 0.688842 0.614238 0.631386 0.699962 0.679452 0.913607 0.896976 0.885407 0.901517 0.957261 0.962802 32 0.672799 0.701797 0.625785 0.643267 0.713112 0.692221 0.926672 0.909781 0.898059 0.914393 0.970950 0.976570 33 0.685274 0.714816 0.637385 0.655190 0.726338 0.705057 0.940664 0.923527 0.911629 0.928193 0.985611 0.991316 34 0.697601 0.727665 0.648836 0.666966 0.739400 0.717739 0.954037 0.936652 0.924598 0.941404 0.999625 1.005403 35 0.710395 0.741023 0.660756 0.679204 0.752964 0.730902 0.966978 0.949346 0.937128 0.954158 1.013178 1.019043 36 0.723210 0.754392 0.672675 0.691462 0.766540 0.744087 0.979887 0.962030 0.949637 0.966902 1.026700 1.032652 37 0.735908 0.767623 0.684488 0.703595 0.780006 0.757152 0.990786 0.972729 0.960200 0.977656 1.038122 1.044132 38 0.748585 0.780865 0.696280 0.715718 0.793440 0.770195 1.001221 0.982976 0.970313 0.987953 1.049063 1.055133 39 0.761135 0.793947 0.707944 0.727724 0.806742 0.783107 1.011398 0.992963 0.980172 0.997985 1.059722 1.065858 40 0.774014 0.807380 0.719928 0.740035 0.820394 0.796358 1.021833 1.003210 0.990286 1.008282 1.070652 1.076849 41 0.787095 0.821014 0.732092 0.752535 0.834254 0.809817 1.032979 1.014160 1.001083 1.019290 1.082335 1.088596 42 0.800432 0.834924 0.744490 0.765276 0.848397 0.823538 1.046229 1.027164 1.013929 1.032369 1.096213 1.102566 43 0.813066 0.848113 0.756250 0.777367 0.861787 0.836537 1.060654 1.041332 1.027916 1.046606 1.111334 1.117759 44 0.825020 0.860580 0.767361 0.788797 0.874456 0.848836 1.073853 1.054287 1.040701 1.059624 1.125159 1.131676 45 0.837474 0.873578 0.778950 0.800699 0.887649 0.861650

1.090742 1.070861 1.057075 1.076298 1.142861 1.149476

46 0.850736 0.887403 0.791285 0.813388 0.901705 0.875294

1.110045 1.089802 1.075763 1.095327 1.163081 1.169809 47 0.863902 0.901132 0.803524 0.825961 0.915663 0.888841

1.127605 1.107048 1.092779 1.112651 1.181484 1.188322

48 0.877302 0.915117 0.815997 0.838786 0.929872 0.902628

1.144381 1.123532 1.109050 1.129224 1.199060 1.205995 49 0.891117 0.929515 0.828842 0.851988 0.944507 0.916842

1.162343 1.141159 1.126454 1.146933 1.217881 1.224923

50 0.905198 0.944210 0.841943 0.865453 0.959436 0.931329

1.180593 1.159077 1.144142 1.164948 1.237004 1.244159 51 0.919513 0.959139 0.855246 0.879138 0.974606 0.946057

1.198741 1.176894 1.161739 1.182860 1.256012 1.263290

52 0.934115 0.974375 0.868836 0.893105 0.990082 0.961081

1.216899 1.194732 1.179336 1.200773 1.275041 1.282420




RPE Cluster

Comp RPE Rating Factor Collision RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H Region

C Region

D Region

E Region

F Region

G Region

H 53 0.949270 0.990185 0.882927 0.907587 1.006148 0.976673

1.234541 1.212038 1.196424 1.218178 1.293527 1.301008

54 0.964702 1.006281 0.897294 0.922341 1.022508 0.992550

1.254308 1.231450 1.215581 1.237695 1.314239 1.321840 55 0.980484 1.022748 0.911970 0.937431 1.039229 1.008788

1.272218 1.249037 1.232943 1.255364 1.333007 1.340715

56 0.996437 1.039385 0.926806 0.952689 1.056147 1.025202

1.291490 1.267948 1.251621 1.274374 1.353196 1.361026 57 1.012326 1.055958 0.941588 0.967873 1.072977 1.041549

1.311287 1.287390 1.270808 1.293911 1.373939 1.381891

58 1.029097 1.073454 0.957179 0.983907 1.090757 1.058805

1.332373 1.308095 1.291250 1.314728 1.396030 1.404117 59 1.045986 1.091067 0.972898 1.000056 1.108657 1.076181

1.357574 1.332831 1.315657 1.339576 1.422437 1.430674

60 1.063385 1.109222 0.989074 1.016698 1.127104 1.094082

1.382063 1.356875 1.339392 1.363755 1.448091 1.456476 61 1.080805 1.127386 1.005283 1.033361 1.145561 1.112006

1.407098 1.381451 1.363657 1.388451 1.474331 1.482862

62 1.098609 1.145954 1.021832 1.050370 1.164434 1.130323

1.432845 1.406728 1.388614 1.413868 1.501302 1.509993 63 1.116954 1.165095 1.038902 1.067914 1.183885 1.149198

1.459912 1.433309 1.414847 1.440574 1.529663 1.538519

64 1.135481 1.184427 1.056132 1.085636 1.203511 1.168259

1.486793 1.459690 1.440896 1.467088 1.557825 1.566842 65 1.154113 1.203855 1.073458 1.103442 1.223268 1.187430

1.513715 1.486130 1.466985 1.493652 1.586040 1.595218

66 1.173342 1.223908 1.091337 1.121824 1.243648 1.207213

1.542205 1.514095 1.494594 1.521771 1.615885 1.625243 67 1.192687 1.244100 1.109344 1.140333 1.264148 1.227117

1.567003 1.538450 1.518624 1.546243 1.641874 1.651375

68 1.212585 1.264864 1.127862 1.159344 1.285237 1.247590

1.597689 1.568581 1.548374 1.576534 1.674028 1.683709 69 1.232494 1.285607 1.146359 1.178377 1.306338 1.268073

1.627406 1.597749 1.577166 1.605841 1.705158 1.715032

70 1.253031 1.307051 1.165472 1.198018 1.328104 1.289203

1.659463 1.629213 1.608220 1.637462 1.738755 1.748813 71 1.273897 1.328802 1.184874 1.217963 1.350231 1.310671

1.691015 1.660196 1.638816 1.668606 1.771808 1.782063

72 1.295369 1.351211 1.204860 1.238506 1.372981 1.332763

1.723330 1.691920 1.670126 1.700492 1.805665 1.816120 73 1.317341 1.374118 1.225283 1.259500 1.396276 1.355370

1.754666 1.722682 1.700498 1.731413 1.838499 1.849146

74 1.340249 1.398023 1.246589 1.281406 1.420555 1.378939

1.785310 1.752773 1.730186 1.761653 1.870611 1.881438 75 1.364221 1.423021 1.268885 1.304319 1.445959 1.403603

1.818986 1.785831 1.762821 1.794879 1.905900 1.916921

76 1.388863 1.448730 1.291809 1.327882 1.472083 1.428956

1.855818 1.821998 1.798525 1.831222 1.944492 1.955746 77 1.414483 1.475457 1.315637 1.352378 1.499234 1.455315

1.891783 1.857312 1.833383 1.866723 1.982174 1.993645

78 1.442549 1.504731 1.341743 1.379213 1.528984 1.484191

1.931708 1.896517 1.872084 1.906113 2.024005 2.035714 79 1.471785 1.535204 1.368924 1.407159 1.559969 1.514271

1.970869 1.934950 1.910031 1.944761 2.065031 2.076986

80 1.501510 1.566228 1.396583 1.435588 1.591477 1.544855

2.005566 1.969011 1.943655 1.979002 2.101386 2.113555 81 1.531863 1.597889 1.424807 1.464603 1.623652 1.576084

2.039067 2.001898 1.976106 2.012045 2.136487 2.148857

82 1.562555 1.629911 1.453361 1.493944 1.656177 1.607663

2.059225 2.021691 1.995650 2.031928 2.157617 2.170105 83 1.593653 1.662336 1.482276 1.523673 1.689138 1.639657

2.079569 2.041685 2.015378 2.052024 2.178924 2.191544

84 1.625058 1.695090 1.511500 1.553706 1.722427 1.671969 85 1.657251 1.728672 1.541437 1.584473 1.756546 1.705091 86 1.684051 1.756630 1.566362 1.610102 1.784953 1.732665 87 1.702450 1.775824 1.583475 1.627698 1.804458 1.751595 88 1.708927 1.782593 1.589509 1.633896 1.811317 1.758259 89 1.709129 1.782806 1.589690 1.634085 1.811536 1.758467 90 1.709129 1.782806 1.589690 1.634085 1.811536 1.758467




MOTORCYCLE RATES

ORDER OF CALCULATION - MOTORCYCLES

Notes:

1. Shaded cells indicate coverages in which a factor does not apply 2. Step 20 = product of steps 1 through 19 (round to nearest dollar) 3. * See PPA rates and factors 4. Add all optional endorsements and coverages to step 20.

Step Variable Description BI PD CSL MP UM UIM COMP COLL 1 Base Rate

2 Type of Vehicle Factor 3 Usage Factor 4 Symbol Factor 5 Bike Age Factor 6 Territory Factor 7 Driving Record Rating Factor 8 Safe Driver Discount Factor * 9 Tier Factor * 10 MAG Factor 11 Account Factor 12 Years with ERIE Factor 13 Bike Class x Driver Age Factor 14 Bike Class x Bike Age Factor 15 Increased Limit Factor 16 Deductible Factor 17 Accident Prevention Course Discount Factor 18 Multi-policy Discount Factor * 19 Pay Plan Discount Factor * 20 Vehicle Premium




RATES AND FACTORS - MOTORCYCLES Base Rates – Motorcycles Coverage Exchange Company

CSL 431 695 BI 155 260 PD 246 379

UM CSL 7 14 UM BI 7 14

UIM CSL 19 38 UIM BI 19 38 COMP 146 207

MP 138 214 COLL 237 356

Type of Vehicle Factor - Motorcycles

Coverage Motorcycle Factor CSL 0.102 BI 0.226 PD 0.068

UM CSL 2.821 UM BI 2.821

UIM CSL 8.406 UIM BI 8.406 COMP 0.522

MP 0.438 COLL 0.487




Symbol Factor – Motorcycles

Symbol Procedure 1. Look up Symbol factor by coverage from VIN file 2. If VIN not found, subtract one year from model year and look up Symbol factor by coverage from VIN

file 3. If VIN not found, look up Symbol factor by coverage from year, make and model table 4. If year, make and model not found, subtract one year from model year and look up Symbol factor by

coverage from year, make and model table 5. If still not found, look up Symbol factor by coverage from cost new table

Cost New Symbol Liab Other Comp Coll

$2,000 2 0.262 0.637 0.622 0.069 $3,000 3 0.262 0.637 0.639 0.158 $4,000 4 0.342 0.714 0.660 0.277 $5,000 5 0.434 0.795 0.687 0.397 $6,000 6 0.535 0.874 0.718 0.499 $7,000 7 0.641 0.945 0.754 0.588 $8,000 8 0.748 1.003 0.795 0.687 $9,000 9 0.854 1.045 0.840 0.802 $10,000 10 0.954 1.069 0.888 0.927 $11,000 11 1.045 1.076 0.938 1.051 $12,000 12 1.127 1.076 0.988 1.160 $13,000 13 1.196 1.076 1.037 1.239 $14,000 14 1.254 1.076 1.085 1.288 $15,000 15 1.301 1.076 1.129 1.309 $16,000 16 1.338 1.076 1.169 1.312 $17,000 17 1.367 1.076 1.206 1.312 $18,000 18 1.390 1.076 1.240 1.312 $19,000 19 1.411 1.076 1.271 1.312 $20,000 20 1.432 1.076 1.300 1.312 $21,000 21 1.457 1.076 1.330 1.330 $22,000 22 1.487 1.076 1.363 1.399 $23,000 23 1.528 1.076 1.400 1.518 $24,000 24 1.583 1.076 1.445 1.710 $25,000 25 1.657 1.076 1.501 1.710 $26,000 26 1.756 1.076 1.574 1.710

Add'l $1,000 98 0.026 0.001 0.039 0.001

Notes: 1. For each $1,000 above $26,000, add add’l $1,000 factor to $26,000 coverage factor 2. Always round intermediate values up 3. For example: Cost New = $30,100; Liab = 1.756 + 5 x 0.026 = 1.886 4. Use symbol 98 for amounts greater than $26,000 5. Default symbol for VIN or YMM hit is 99




Bike Age Factor – Motorcycles

Bike Age Liab Other Comp Coll 0 1.000 1.000 1.000 1.000 1 1.000 1.000 1.000 1.000 2 1.000 1.000 1.000 1.000 3 1.000 1.000 1.000 1.000 4 1.000 1.000 1.000 1.000 5 1.000 1.000 1.000 1.000 6 1.000 1.000 1.000 1.000 7 1.000 1.000 1.000 1.000 8 1.000 1.000 1.000 1.000 9 1.000 1.000 1.000 1.000 10 1.000 1.000 1.000 1.000 11 1.000 1.000 1.000 1.000 12 1.000 1.000 1.000 1.000 13 1.000 1.000 1.000 1.000 14 1.000 1.000 1.000 1.000 15 1.000 1.000 1.000 1.000 16 1.000 1.000 1.000 1.000 17 1.000 1.000 1.000 1.000 18 1.000 1.000 1.000 1.000 19 1.000 1.000 1.000 1.000

20+ 1.000 1.000 1.000 1.000




Territory Factor – Motorcycles

ZIP Code Liab Other Comp Coll 15001 0.764 0.828 0.745 0.706 15003 0.803 1.033 0.993 0.843 15005 0.980 0.969 0.797 0.906 15007 0.888 0.882 0.965 0.836 15009 0.980 0.882 0.797 0.874 15010 0.764 0.828 0.781 0.700 15012 0.764 0.777 0.781 0.747 15014 1.043 1.204 1.223 0.958 15015 0.980 0.879 0.698 0.867 15017 0.888 0.969 0.762 0.914 15018 0.980 0.882 0.750 0.894 15019 0.855 0.954 0.894 0.763 15021 0.855 0.882 0.805 0.773 15022 0.764 0.828 0.850 0.783 15024 0.764 0.777 0.703 0.766 15025 0.764 0.910 0.955 0.766 15026 0.855 0.882 0.771 0.770 15027 0.933 0.969 0.923 0.882 15030 0.888 0.882 0.816 0.827 15031 0.888 0.882 0.735 0.793 15033 0.933 1.090 0.954 0.905 15034 0.933 1.033 1.095 0.902 15035 1.043 1.075 0.950 0.909 15037 0.888 0.882 0.848 0.799 15042 0.764 0.882 0.735 0.787 15043 0.736 0.954 0.771 0.763 15044 0.764 0.777 0.576 0.742 15045 0.897 1.075 0.949 0.884 15046 0.980 0.969 0.812 0.874 15049 0.933 0.969 0.920 0.871 15050 0.736 0.882 0.805 0.755 15051 0.888 0.879 0.631 0.833 15052 0.736 0.777 0.771 0.744 15053 0.855 1.017 0.894 0.793 15055 0.888 0.969 0.796 0.871 15056 0.888 1.033 0.997 0.888 15057 0.764 0.777 0.735 0.748 15059 0.764 0.828 0.815 0.783 15061 0.764 0.854 0.781 0.747 15062 0.888 1.033 0.923 0.908 15063 0.764 0.777 0.781 0.737 15064 0.888 0.940 0.735 0.827 15065 0.888 0.969 0.884 0.823 15066 1.070 1.007 1.673 0.984 15067 0.933 1.049 0.923 0.855 15068 0.888 0.969 0.882 0.802 15071 0.888 0.882 0.794 0.813 15074 0.764 0.828 0.781 0.757




ZIP Code Liab Other Comp Coll 15076 0.888 0.882 0.816 0.823 15078 0.855 0.879 0.805 0.798 15083 1.070 0.945 0.833 0.937 15084 0.980 0.882 0.797 0.867 15085 0.888 0.969 0.703 0.806 15086 0.888 0.882 0.631 0.830 15089 0.764 0.777 0.781 0.761 15090 0.764 0.854 0.604 0.752 150XX 0.835 0.879 0.820 0.792 15101 1.070 1.039 0.441 1.059 15102 1.330 1.081 0.510 1.147 15104 1.330 1.258 0.850 1.422 15106 1.190 1.039 0.612 1.096 15108 1.133 1.039 0.438 1.009 15110 1.330 1.216 0.856 1.338 15112 1.330 1.258 0.955 1.426 15116 1.190 1.039 0.551 1.096 15120 1.330 1.383 0.960 1.382 15122 1.190 1.107 0.550 1.124 15123 1.185 1.080 0.575 1.116 15126 1.133 0.945 0.526 1.046 15129 1.070 1.039 0.475 1.068 15131 1.133 1.039 0.546 1.142 15132 1.330 1.258 0.821 1.352 15133 1.190 1.124 0.570 1.114 15135 1.133 1.124 0.513 1.038 15136 1.125 1.107 0.639 1.078 15137 1.133 1.107 0.662 1.091 15139 1.330 1.119 0.725 1.205 15140 1.330 1.152 0.735 1.187 15142 1.133 0.945 0.526 1.038 15143 1.070 0.945 0.377 0.995 15144 1.190 1.170 0.655 1.120 15145 1.330 1.258 0.782 1.226 15146 1.190 1.039 0.660 1.103 15147 1.190 1.107 0.570 1.136 15148 1.190 1.168 0.674 1.120 151XX 1.185 1.080 0.575 1.116 15201 1.330 1.258 1.308 1.398 15202 1.330 1.192 0.888 1.224 15203 1.330 1.192 1.088 1.231 15204 1.330 1.258 1.334 1.354 15205 1.190 1.107 0.708 1.132 15206 1.330 1.258 1.383 1.420 15207 1.330 1.216 0.941 1.168 15208 1.330 1.258 1.233 1.472 15209 1.330 1.081 0.796 1.156 15210 1.330 1.258 1.405 1.366 15211 1.330 1.192 1.114 1.222




ZIP Code Liab Other Comp Coll 15212 1.330 1.258 1.308 1.403 15213 1.330 1.258 1.383 1.726 15214 1.330 1.216 1.105 1.355 15215 1.330 1.128 0.811 1.230 15216 1.330 1.310 1.123 1.382 15217 1.330 1.119 1.050 1.193 15218 1.330 1.258 1.089 1.398 15219 1.330 1.258 1.194 1.395 15220 1.330 1.119 0.888 1.200 15221 1.330 1.258 1.769 1.387 15222 1.330 1.258 1.043 1.382 15223 1.330 1.192 0.888 1.212 15224 1.330 1.258 1.233 1.960 15225 1.133 1.107 0.773 1.040 15226 1.330 1.119 1.177 1.188 15227 1.257 1.119 0.834 1.168 15228 1.330 1.119 0.800 1.191 15229 1.330 1.081 0.824 1.208 15232 1.330 1.192 1.154 1.756 15233 1.330 1.141 1.067 1.387 15234 1.330 1.119 0.888 1.208 15235 1.330 1.216 0.909 1.386 15236 1.257 1.081 0.634 1.123 15237 1.125 1.039 0.551 1.071 15238 1.133 1.039 0.485 1.059 15239 1.133 1.039 0.590 1.011 15241 1.190 1.039 0.540 1.116 15243 1.330 1.119 0.712 1.248 15260 0.998 1.141 0.878 0.903 15272 1.277 1.141 0.914 1.233 15275 1.277 1.141 0.914 1.233 15276 1.277 1.141 0.914 1.233 15290 1.277 1.141 0.914 1.233 15295 1.277 1.141 0.914 1.233 152XX 1.277 1.141 0.914 1.233 15301 1.133 0.986 0.739 1.108 15310 1.014 0.898 0.850 0.896 15311 1.031 0.945 0.558 0.949 15312 1.091 0.945 0.597 0.965 15314 1.070 1.007 0.590 0.993 15316 1.014 0.987 0.850 0.903 15317 1.070 1.039 0.473 0.958 15320 1.031 0.945 0.686 0.949 15321 1.070 1.124 0.551 1.000 15322 1.091 1.023 0.619 0.974 15323 1.031 1.023 0.663 0.946 15327 1.031 0.945 0.732 0.955 15329 0.958 1.023 0.647 0.890 15330 1.031 0.945 0.636 0.924




ZIP Code Liab Other Comp Coll 15332 1.070 0.945 0.509 0.982 15333 1.070 0.945 0.605 0.944 15334 1.014 0.987 0.796 0.897 15337 0.958 0.987 0.796 0.892 15338 1.031 0.945 0.734 0.955 15340 1.031 0.945 0.636 0.955 15341 1.014 0.987 0.850 0.907 15342 1.133 1.039 0.612 1.011 15344 1.031 1.023 0.692 0.957 15345 1.031 1.023 0.619 0.957 15349 1.031 1.023 0.668 0.951 15352 1.014 0.898 0.796 0.894 15357 1.070 1.023 0.565 0.955 15359 1.014 0.987 0.796 0.903 15360 1.031 0.945 0.558 0.955 15362 1.014 0.898 0.960 0.896 15363 1.330 1.152 0.634 1.128 15364 0.958 0.972 0.744 0.890 15367 1.070 0.945 0.437 0.975 15370 1.031 0.945 0.784 0.957 15376 1.031 0.945 0.558 0.886 15377 1.014 0.987 0.647 0.897 15380 1.014 0.898 0.796 0.896 153XX 1.073 0.987 0.626 0.992 15401 1.133 1.007 0.568 1.085 15410 1.070 1.007 0.565 0.927 15411 0.958 0.898 0.672 0.872 15413 1.070 1.007 0.565 0.938 15417 1.070 1.007 0.549 0.949 15419 1.070 1.168 0.673 0.972 15423 1.031 0.945 0.576 0.915 15424 0.958 0.957 0.625 0.859 15425 1.070 1.007 0.487 0.897 15427 1.031 0.945 0.519 0.929 15428 1.031 1.023 0.576 0.920 15431 1.031 1.007 0.601 0.909 15433 1.031 1.090 0.519 0.929 15436 1.070 1.007 0.567 0.918 15437 0.958 0.898 0.563 0.859 15438 1.070 1.023 0.526 0.953 15440 0.958 0.898 0.647 0.874 15442 1.031 1.063 0.576 0.913 15444 1.070 1.007 0.549 0.979 15445 1.070 0.945 0.549 0.933 15446 1.031 1.090 0.619 0.938 15450 1.031 1.090 0.558 0.940 15451 1.031 1.090 0.601 0.942 15456 1.070 0.945 0.526 0.938 15458 1.031 1.007 0.619 0.927




ZIP Code Liab Other Comp Coll 15459 1.031 0.945 0.576 0.929 15461 1.070 1.007 0.549 0.991 15462 1.031 0.995 0.576 0.935 15464 0.958 1.036 0.625 0.861 15468 1.070 1.007 0.526 0.931 15469 1.031 1.090 0.576 0.922 15470 0.958 1.023 0.625 0.870 15473 1.133 0.986 0.545 1.080 15474 1.070 1.007 0.672 0.929 15478 1.031 1.007 0.619 0.911 15479 1.031 0.945 0.519 0.922 15480 1.091 0.945 0.576 0.978 15486 1.031 0.945 0.576 0.918 15488 1.031 1.090 0.558 0.940 15490 1.091 0.995 0.519 0.963 154XX 1.068 0.995 0.562 0.963 15501 0.944 0.882 0.987 0.872 15521 1.014 1.023 1.092 0.939 15522 1.091 0.945 1.066 0.992 15530 0.944 1.017 1.070 0.874 15531 0.944 0.954 1.021 0.872 15533 0.958 1.036 1.143 0.838 15534 0.958 0.972 1.193 0.840 15535 0.958 0.972 1.107 0.880 15536 0.958 0.972 1.193 0.845 15537 0.944 0.882 1.102 0.872 15538 0.958 0.942 1.143 0.838 15539 1.031 0.942 1.054 0.953 15540 0.958 0.898 1.029 0.838 15541 1.031 1.023 0.920 0.906 15542 1.014 0.972 1.107 0.903 15545 1.031 0.945 1.201 0.902 15546 1.031 0.942 1.049 0.949 15548 1.031 0.942 1.054 0.911 15550 0.878 0.972 1.156 0.826 15551 0.958 0.942 0.997 0.836 15552 0.944 0.882 1.484 0.870 15554 0.944 0.954 1.021 0.881 15557 0.878 0.945 0.997 0.821 15558 1.031 0.945 1.021 0.828 15559 0.878 0.972 1.107 0.821 15562 0.958 0.898 1.029 0.843 15563 1.031 1.023 0.920 0.904 15564 0.958 0.972 1.029 0.847 15565 0.981 0.942 1.063 0.891 155XX 0.981 0.942 1.063 0.891 15601 1.070 0.945 0.833 0.958 15610 1.091 1.023 0.750 0.970 15611 1.133 0.986 0.718 1.028




ZIP Code Liab Other Comp Coll 15612 1.091 1.023 0.787 0.978 15613 1.070 0.945 0.760 0.951 15615 1.133 0.945 0.718 1.030 15618 1.091 0.986 0.926 1.053 15620 1.133 0.945 0.797 1.022 15622 1.091 1.090 0.833 0.993 15623 1.133 0.945 0.718 1.019 15626 1.133 0.945 0.833 1.040 15627 1.133 1.023 0.760 0.986 15628 1.091 0.945 0.905 1.062 15632 1.133 0.945 0.718 1.011 15634 1.133 1.124 0.718 1.022 15636 1.070 1.039 0.741 1.002 15637 1.133 0.945 0.760 1.013 15639 1.133 0.945 0.760 0.972 15641 1.133 0.945 1.170 1.024 15642 1.070 1.039 0.650 0.949 15644 1.133 1.039 0.867 1.034 15646 1.091 0.945 0.913 0.988 15647 1.133 0.945 0.718 1.026 15650 1.070 0.945 0.760 1.004 15655 1.091 0.945 0.787 0.978 15656 1.133 0.945 0.754 1.026 15658 1.091 0.945 0.921 1.010 15661 1.133 0.945 0.797 1.030 15665 1.133 1.039 0.867 1.022 15666 1.133 0.945 1.222 1.082 15668 1.070 0.945 0.617 0.982 15670 1.031 0.945 0.750 0.959 15671 1.133 0.945 0.718 0.992 15672 1.133 0.945 0.787 1.015 15675 1.133 1.007 0.832 1.017 15677 1.014 1.023 0.853 0.916 15678 1.133 0.945 0.718 1.032 15679 1.091 1.023 0.905 1.005 15681 1.091 0.945 1.054 0.980 15683 1.133 1.039 0.858 1.184 15684 1.091 0.986 0.815 1.039 15686 1.091 0.986 0.912 0.980 15687 1.014 0.945 0.853 0.913 15688 1.133 1.090 0.820 0.968 15690 1.133 1.050 0.822 1.131 15692 1.133 0.986 0.778 1.040 15697 1.133 1.107 0.853 1.128 15698 1.091 1.023 0.889 0.970 156XX 1.097 0.986 0.811 1.004 15701 1.133 1.007 0.789 1.029 15711 1.014 1.137 0.878 1.003 15713 1.091 1.090 0.837 1.058




ZIP Code Liab Other Comp Coll 15714 1.091 1.023 0.731 1.045 15717 1.091 0.945 1.091 1.047 15722 1.091 1.067 0.659 1.065 15724 1.091 1.023 0.763 1.054 15725 1.091 1.067 0.810 1.071 15728 1.091 1.023 0.859 1.055 15729 1.091 1.023 0.789 1.053 15730 1.014 1.016 0.842 0.986 15732 1.091 1.023 0.859 1.053 15742 1.014 0.972 0.878 0.983 15744 1.014 1.150 0.842 0.986 15747 1.091 0.945 0.763 1.053 15748 1.091 1.023 0.810 1.050 15750 1.031 1.016 0.958 1.035 15753 1.014 1.016 0.908 0.984 15757 1.014 1.036 0.856 0.975 15758 1.098 1.016 0.808 1.035 15759 1.091 1.023 0.763 0.975 15760 1.091 1.016 0.699 1.062 15761 1.098 1.016 0.808 1.035 15762 1.091 1.023 0.659 1.050 15763 1.098 1.016 0.808 1.035 15764 1.014 1.023 0.842 0.988 15765 1.091 1.067 0.763 1.069 15767 1.091 1.007 0.789 1.022 15770 1.014 1.016 0.908 0.986 15771 1.014 1.036 0.828 0.980 15772 1.091 1.067 0.763 0.991 15773 1.091 1.016 0.659 1.056 15774 1.091 1.023 0.763 1.045 15775 1.098 1.016 0.808 1.035 15776 1.014 1.016 0.908 0.987 15777 1.091 1.016 0.810 1.059 15778 1.014 1.016 0.908 0.987 15780 1.014 1.016 0.842 0.985 15784 1.014 1.016 0.842 0.984 157XX 1.098 1.016 0.808 1.035 15801 0.888 0.882 0.699 0.789 15821 0.878 0.941 0.766 0.804 15822 0.938 0.941 0.718 0.822 15823 0.878 0.941 0.750 0.808 15824 0.944 0.954 0.692 0.844 15825 0.944 0.882 0.734 0.825 15827 0.944 0.941 0.706 0.865 15828 0.878 0.941 0.766 0.802 15829 0.944 1.017 0.782 0.851 15832 0.878 0.941 0.766 0.802 15834 0.878 0.907 0.796 0.765 15840 0.944 1.017 0.737 0.842




ZIP Code Liab Other Comp Coll 15845 0.944 1.007 0.784 0.888 15846 0.944 0.954 0.663 0.772 15848 0.944 0.941 0.762 0.849 15849 0.878 0.967 0.812 0.785 15851 1.031 1.090 0.808 0.895 15853 0.944 0.954 0.715 0.787 15856 0.878 0.907 0.719 0.789 15857 1.031 0.945 0.597 0.890 15860 0.878 0.907 0.750 0.808 15861 0.878 0.907 0.858 0.796 15864 0.944 0.954 0.692 0.791 15865 0.980 0.940 0.808 0.913 15866 0.944 0.941 0.706 0.870 15868 0.878 0.907 0.719 0.808 15870 0.878 0.907 0.647 0.796 158XX 0.938 0.941 0.718 0.822 15901 1.133 1.168 0.785 1.211 15902 1.133 1.218 0.796 1.131 15904 1.133 0.945 0.585 1.102 15905 1.133 0.986 0.667 1.124 15906 1.133 1.063 0.666 1.075 15909 1.070 0.945 0.565 0.940 15915 1.094 1.005 0.618 1.020 15920 1.091 0.945 0.646 0.999 15923 1.091 1.023 0.619 0.976 15924 1.091 1.090 0.558 0.903 15926 1.031 0.945 0.619 0.955 15927 1.133 1.090 0.509 0.972 15928 1.133 0.945 0.509 0.982 15931 1.031 0.945 0.576 0.951 15935 1.091 1.023 0.636 0.970 15936 1.091 1.023 0.663 0.970 15938 1.091 1.023 0.558 0.963 15940 1.031 1.023 0.558 0.957 15942 1.133 0.945 0.473 0.972 15943 1.070 0.945 0.565 0.959 15944 1.091 0.945 0.619 0.968 15945 1.133 1.005 0.509 1.024 15946 1.031 1.023 0.619 0.940 15949 1.091 1.007 0.668 0.974 15952 1.133 0.945 0.565 0.970 15953 1.091 1.005 0.597 0.986 15954 1.091 1.023 0.646 0.963 15955 1.091 1.023 0.749 0.970 15956 1.133 1.023 0.509 0.984 15957 1.091 1.023 0.619 0.993 15958 1.031 1.023 0.558 0.959 15961 1.091 1.005 0.782 0.976 15963 1.031 0.945 0.534 0.913




ZIP Code Liab Other Comp Coll 159XX 1.094 1.005 0.618 1.020 16001 0.764 0.777 0.403 0.526 16002 0.764 0.777 0.396 0.623 16020 0.878 0.954 0.480 0.762 16021 0.757 0.797 0.428 0.623 16023 0.736 0.777 0.471 0.641 16025 0.736 0.777 0.434 0.646 16028 0.736 0.777 0.579 0.699 16033 0.764 0.777 0.396 0.604 16034 0.736 0.841 0.471 0.669 16037 0.736 0.777 0.434 0.694 16038 0.736 0.841 0.523 0.699 16040 0.736 0.954 0.471 0.755 16041 0.736 0.841 0.523 0.727 16045 0.764 0.854 0.517 0.834 16046 0.764 0.777 0.340 0.626 16049 0.736 0.841 0.482 0.636 16050 0.736 0.777 0.471 0.704 16051 0.736 0.841 0.523 0.646 16052 0.736 0.777 0.434 0.674 16053 0.764 0.777 0.429 0.658 16055 0.764 0.777 0.429 0.635 16056 0.764 0.777 0.439 0.674 16057 0.736 0.828 0.503 0.629 16059 0.764 0.777 0.429 0.652 16061 0.736 0.841 0.434 0.669 16063 0.764 0.777 0.439 0.683 16066 0.764 0.854 0.429 0.599 160XX 0.757 0.797 0.428 0.623 16101 1.070 1.007 0.652 0.939 16102 1.133 0.945 0.672 0.968 16105 1.070 0.945 0.652 0.984 16108 1.077 0.986 0.709 0.978 16110 1.091 1.023 0.782 0.897 16111 0.958 1.023 0.848 0.892 16112 1.031 1.023 0.737 0.940 16114 1.031 1.023 0.675 0.959 16115 1.031 1.023 0.636 0.935 16116 1.031 0.945 0.749 0.935 16117 1.070 0.945 0.672 0.942 16120 1.091 1.023 0.782 0.988 16121 1.190 1.168 0.826 1.231 16123 1.031 0.945 0.636 0.946 16124 1.031 1.023 0.636 0.933 16125 1.091 0.945 0.731 1.025 16127 1.091 0.945 0.776 1.010 16130 1.031 1.023 0.636 0.940 16131 1.014 1.023 0.766 0.916 16133 1.031 1.023 0.675 0.940




ZIP Code Liab Other Comp Coll 16134 1.031 0.945 1.330 0.938 16137 1.091 0.945 0.659 1.046 16141 1.031 0.945 0.706 0.938 16142 1.091 0.945 0.782 1.001 16143 1.031 1.023 0.706 0.935 16145 1.031 1.023 0.822 0.946 16146 1.257 1.216 1.082 1.087 16148 1.070 0.945 0.545 0.954 16150 1.070 0.945 0.644 0.977 16153 1.031 1.023 0.706 0.933 16154 1.091 0.945 0.659 1.039 16156 1.031 1.023 0.706 0.955 16157 1.091 0.986 0.763 1.078 16159 1.031 1.023 0.636 0.915 161XX 1.077 0.986 0.709 0.978 16201 0.944 0.882 0.622 0.860 16210 0.944 0.882 0.692 0.854 16214 0.944 0.940 0.835 0.833 16217 0.878 0.918 0.719 0.808 16218 0.944 0.882 0.692 0.791 16222 0.878 0.918 0.775 0.817 16224 0.944 0.954 0.715 0.858 16226 0.944 0.940 0.668 0.833 16228 1.151 0.918 0.783 1.007 16229 0.944 0.954 0.646 0.833 16232 0.944 0.940 0.686 0.842 16233 0.878 0.918 0.750 0.793 16235 0.944 0.954 0.692 0.796 16239 0.878 0.838 0.690 0.791 16240 0.878 0.907 0.750 0.796 16242 0.944 0.882 0.886 0.849 16248 1.031 1.090 0.784 0.902 16249 0.944 0.882 0.734 0.837 16253 0.944 0.918 0.715 0.870 16254 0.944 0.882 0.762 0.849 16255 0.944 0.882 0.734 0.844 16256 0.878 0.893 0.750 0.804 16257 0.939 0.918 0.694 0.841 16258 0.944 1.017 0.826 0.849 16259 0.878 0.954 0.725 0.793 16260 0.878 0.907 0.719 0.804 16261 0.939 0.918 0.694 0.841 16262 0.944 0.954 0.646 0.849 162XX 0.939 0.918 0.694 0.841 16301 0.855 0.940 0.678 0.763 16311 0.878 0.920 0.766 0.767 16313 0.795 0.907 0.783 0.755 16314 0.855 0.954 0.852 0.780 16316 0.855 0.882 0.856 0.793




ZIP Code Liab Other Comp Coll 16317 0.855 0.954 0.692 0.804 16319 0.944 1.017 0.706 0.789 16323 0.855 0.954 0.792 0.777 16326 0.855 1.017 0.766 0.815 16327 0.795 0.954 0.750 0.745 16329 0.795 0.882 0.782 0.760 16331 0.795 1.017 0.783 0.758 16332 0.878 1.017 0.799 0.767 16334 0.855 0.920 0.746 0.812 16335 0.888 0.940 0.659 0.786 16340 0.795 0.907 0.783 0.753 16341 0.878 0.907 0.799 0.767 16342 0.795 0.954 0.750 0.748 16345 0.795 0.907 0.750 0.734 16346 0.855 0.954 0.722 0.793 16347 0.795 0.907 0.783 0.748 16350 0.855 0.954 0.692 0.801 16351 0.795 0.893 0.826 0.760 16353 0.795 0.907 0.783 0.728 16354 0.855 0.940 0.719 0.786 16360 0.878 0.907 0.766 0.765 16362 0.795 0.954 0.783 0.745 16364 0.795 0.907 0.783 0.758 16365 0.736 0.777 0.719 0.744 16371 0.944 1.017 0.922 0.840 16373 0.795 0.954 0.816 0.739 16374 0.795 0.907 0.750 0.748 163XX 0.834 0.920 0.745 0.770 16401 1.031 1.090 0.749 0.927 16402 0.958 1.090 0.812 0.872 16403 1.031 1.023 0.782 0.935 16404 1.014 1.139 1.117 1.051 16405 1.031 1.023 0.899 0.870 16406 0.958 1.023 0.848 0.874 16407 1.031 1.090 0.737 0.915 16410 1.031 1.023 0.713 0.927 16411 1.031 0.945 0.636 0.920 16412 1.031 0.945 0.706 0.927 16415 1.070 0.945 0.580 0.958 16417 1.070 0.945 0.615 0.890 16420 1.014 1.006 0.878 0.985 16421 1.070 1.023 0.580 0.922 16423 1.070 1.090 0.644 0.963 16424 1.031 1.023 0.782 0.918 16426 1.031 1.023 0.636 0.920 16428 1.031 1.023 0.663 0.924 16430 1.031 1.006 0.675 0.951 16432 1.042 1.006 0.712 0.931 16433 1.031 1.023 0.992 0.949




ZIP Code Liab Other Comp Coll 16434 1.014 1.006 0.799 0.897 16435 0.958 1.036 0.799 0.865 16436 0.958 0.972 0.848 0.876 16438 1.031 1.023 0.749 0.933 16440 1.031 1.023 0.749 0.935 16441 1.091 0.945 0.675 0.963 16442 1.031 1.023 0.636 0.924 16443 1.031 1.090 0.636 0.951 164XX 1.042 1.006 0.712 0.931 16501 1.257 1.053 1.006 1.301 16502 1.257 1.258 1.117 1.141 16503 1.257 1.258 1.117 1.273 16504 1.257 1.192 0.870 1.125 16505 1.030 1.039 0.741 0.990 16506 1.125 1.039 0.551 1.006 16507 1.330 1.258 1.263 1.188 16508 1.151 1.192 0.779 1.080 16509 1.133 0.945 0.580 1.022 16510 1.133 1.007 0.526 1.026 16511 1.070 1.039 0.655 0.975 16515 1.142 1.053 0.691 1.045 16565 1.142 1.053 0.691 1.045 165XX 1.142 1.053 0.691 1.045 16601 1.133 1.007 0.781 1.054 16602 1.133 1.107 0.773 1.094 16611 1.091 1.023 0.782 1.001 16613 1.091 1.023 0.699 1.017 16616 1.105 1.008 0.769 1.028 16617 1.133 1.023 0.809 1.061 16621 1.014 1.036 0.878 0.950 16622 0.958 1.008 0.769 1.028 16623 1.014 0.898 0.995 0.937 16625 1.091 1.090 0.749 0.999 16627 1.091 1.007 0.782 1.003 16629 1.091 1.008 0.820 1.022 16630 1.133 1.007 0.708 1.102 16635 1.133 0.945 0.684 0.982 16636 1.014 1.023 0.758 0.941 16637 1.091 1.090 0.675 1.001 16638 1.014 1.008 0.928 0.950 16639 1.014 1.023 0.758 0.945 16640 1.014 1.023 0.758 0.941 16641 1.133 1.090 0.638 1.033 16646 1.091 1.023 0.749 0.995 16647 1.014 0.972 0.842 0.937 16648 1.133 0.945 0.615 0.970 16650 1.014 1.023 0.848 0.929 16651 1.091 0.945 0.854 0.997 16652 1.091 0.945 0.885 1.045




ZIP Code Liab Other Comp Coll 16655 1.091 1.023 0.810 1.008 16656 1.014 1.036 0.908 0.942 16657 1.014 0.972 1.024 0.934 16659 1.091 1.008 0.810 1.012 16661 1.014 1.007 0.812 0.932 16662 1.091 0.945 0.749 0.980 16664 1.091 1.023 0.782 1.003 16666 1.091 1.137 0.810 1.073 16667 1.091 1.023 0.810 1.008 16668 1.091 1.023 0.749 0.997 16669 1.014 0.972 0.977 0.945 16670 1.091 1.023 0.810 1.020 16673 1.091 1.023 0.749 0.986 16674 1.014 1.036 1.160 0.945 16678 1.091 1.007 0.859 1.015 16679 1.091 1.090 0.859 0.960 16680 1.091 1.008 0.776 1.014 16682 1.133 1.008 0.708 1.063 16683 1.014 1.008 0.878 0.941 16685 1.014 1.008 0.878 0.942 16686 1.091 1.039 0.763 1.130 16689 1.014 1.008 0.878 0.945 16691 1.014 0.972 0.878 0.945 16692 1.014 1.008 0.842 0.934 16693 1.091 1.023 0.953 1.010 16695 1.091 0.945 0.820 1.008 166XX 1.105 1.008 0.769 1.028 16701 0.944 1.017 0.668 0.847 16720 0.878 0.992 0.775 0.813 16726 0.878 0.992 0.719 0.815 16727 0.944 0.945 0.706 0.886 16728 0.912 0.992 0.740 0.824 16729 0.944 0.992 0.784 0.813 16731 0.958 1.090 0.826 0.836 16732 0.944 0.882 0.663 0.877 16735 0.878 0.967 0.826 0.802 16738 0.958 0.972 0.750 0.832 16740 0.878 0.992 0.796 0.808 16743 0.878 0.838 0.775 0.796 16744 0.878 0.992 0.647 0.819 16745 1.031 0.992 0.692 0.942 16746 0.878 0.967 0.796 0.811 16748 0.878 0.967 0.775 0.796 16749 0.878 0.838 0.750 0.798 16750 0.878 0.992 0.750 0.817 167XX 0.912 0.992 0.740 0.824 16801 0.980 1.033 0.508 0.872 16802 0.878 0.930 0.605 0.644 16803 0.980 0.969 0.487 0.859




ZIP Code Liab Other Comp Coll 16820 0.878 0.907 0.563 0.778 16821 0.944 0.954 0.519 0.837 16822 0.878 0.907 0.701 0.778 16823 0.855 0.882 0.471 0.766 16827 0.855 0.882 0.471 0.815 16828 0.855 0.954 0.523 0.810 16829 0.878 0.930 0.563 0.774 16830 0.855 0.940 0.579 0.773 16832 0.944 0.930 0.681 0.828 16833 0.855 1.017 0.672 0.789 16836 0.878 0.907 0.625 0.776 16837 0.944 0.930 0.681 0.840 16838 0.855 0.954 0.607 0.753 16839 0.878 0.930 0.652 0.778 16840 0.944 0.930 0.601 0.835 16841 0.855 0.954 0.471 0.793 16844 0.878 0.954 0.563 0.767 16845 0.878 0.907 0.652 0.767 16850 0.878 0.930 0.625 0.778 16852 0.878 0.930 0.563 0.780 16854 0.855 1.017 0.519 0.818 16858 0.855 0.954 0.564 0.804 16859 0.878 0.930 0.563 0.776 16860 0.944 0.930 0.576 0.835 16861 0.878 0.967 0.701 0.783 16863 0.878 0.907 0.750 0.762 16864 0.893 0.930 0.537 0.804 16865 0.855 0.882 0.508 0.810 16866 0.944 0.882 0.601 0.849 16870 0.944 0.882 0.597 0.854 16871 0.893 0.930 0.726 0.804 16872 0.878 0.967 0.563 0.774 16874 0.878 0.930 0.563 0.762 16875 0.855 0.954 0.471 0.737 16877 0.944 0.945 0.519 0.888 16878 0.944 0.954 0.576 0.833 16879 0.878 0.967 0.701 0.785 16881 0.855 0.882 0.576 0.818 16882 0.878 0.907 0.563 0.774 168XX 0.893 0.930 0.537 0.804 16901 0.855 0.882 0.678 0.748 16910 0.885 0.921 0.782 0.779 16912 0.944 1.017 0.835 0.842 16914 0.878 0.838 0.766 0.776 16915 0.878 0.838 0.799 0.767 16917 0.878 0.907 0.799 0.813 16920 0.980 0.940 0.808 0.877 16921 0.878 0.921 0.799 0.789 16922 0.878 0.893 0.848 0.783




ZIP Code Liab Other Comp Coll 16923 0.878 0.838 0.799 0.783 16925 0.878 0.882 0.799 0.762 16926 0.878 0.921 0.766 0.787 16927 0.878 0.921 0.848 0.785 16928 0.878 0.893 0.826 0.778 16929 0.944 1.017 0.782 0.842 16930 0.878 0.907 0.766 0.778 16932 0.878 0.907 0.799 0.783 16933 0.944 0.940 0.829 0.825 16935 0.878 0.907 0.826 0.778 16936 0.878 0.954 0.750 0.767 16937 0.878 0.967 0.905 0.783 16938 0.878 0.907 0.766 0.780 16941 0.885 0.921 0.782 0.779 16942 0.878 1.017 0.799 0.780 16943 0.878 0.921 0.896 0.783 16946 0.878 0.907 0.826 0.769 16947 0.878 0.882 0.715 0.769 16948 0.878 0.907 0.876 0.780 16950 0.878 0.893 0.826 0.767 169XX 0.885 0.921 0.782 0.779 17002 1.091 1.010 0.622 0.911 17003 1.070 0.945 0.473 0.931 17004 1.091 0.945 0.631 0.963 17006 1.014 0.972 0.563 0.901 17007 1.133 1.039 0.526 1.184 17009 1.133 1.090 0.539 1.026 17011 1.125 1.081 0.475 1.071 17013 1.070 1.039 0.449 0.991 17014 1.091 1.010 0.638 0.982 17015 1.133 0.945 0.384 1.019 17017 1.091 1.010 0.601 0.970 17018 1.091 0.945 0.920 0.968 17019 1.133 0.986 0.465 1.064 17020 1.091 0.945 0.480 0.963 17021 1.014 1.010 0.674 0.901 17022 1.133 0.945 0.411 1.011 17023 1.031 0.945 0.534 0.959 17024 1.091 1.023 0.519 0.965 17025 1.133 1.039 0.486 1.080 17026 1.091 1.023 0.480 0.976 17028 1.031 1.023 0.480 0.951 17029 1.133 1.090 0.526 0.980 17030 1.091 0.945 0.519 0.982 17032 1.031 0.945 0.534 0.935 17033 1.133 0.945 0.490 1.077 17034 1.190 1.152 0.550 1.103 17035 1.014 1.036 0.652 0.905 17036 1.133 1.039 0.438 1.006




ZIP Code Liab Other Comp Coll 17037 1.014 1.010 0.583 0.983 17038 1.091 0.945 0.538 1.014 17040 1.091 1.023 0.498 1.025 17042 1.070 0.945 0.487 0.977 17043 1.330 1.192 0.567 1.203 17044 1.070 1.007 0.539 0.918 17045 1.031 1.023 0.534 0.955 17046 1.133 1.007 0.565 1.006 17047 1.014 0.945 0.563 0.901 17048 1.091 0.945 0.480 0.961 17049 1.031 1.023 0.576 0.957 17050 1.070 1.039 0.376 0.961 17051 1.031 1.023 0.557 0.951 17052 1.014 1.023 0.652 0.896 17053 1.091 1.067 0.498 1.064 17055 1.070 1.039 0.404 1.000 17057 1.070 0.945 0.722 0.979 17058 1.091 1.090 0.638 0.978 17059 1.091 1.023 0.985 0.963 17060 1.091 1.023 0.622 0.899 17061 1.070 0.945 0.487 0.944 17062 1.091 1.023 0.480 0.972 17063 1.014 0.972 0.750 0.894 17065 1.133 1.039 0.665 1.130 17066 1.031 1.007 0.631 0.949 17067 1.133 0.986 0.490 1.079 17068 1.091 1.023 0.480 0.980 17070 1.133 1.083 0.503 1.130 17073 1.133 1.023 0.509 0.961 17074 1.031 1.023 0.480 0.953 17076 1.091 1.010 0.638 0.984 17078 1.070 0.945 0.438 0.979 17082 1.091 1.023 0.576 0.970 17084 1.031 0.945 0.576 0.957 17086 1.031 0.945 0.576 0.961 17087 1.133 1.023 0.487 0.961 17090 1.091 1.023 0.498 1.008 17094 1.091 0.945 0.622 0.976 17098 1.133 1.023 0.526 0.968 17099 1.133 1.137 0.588 1.125 170XX 1.096 1.010 0.496 1.005 17101 1.030 1.090 1.104 1.121 17102 1.257 1.258 1.405 1.778 17103 1.151 1.135 1.111 1.146 17104 1.330 1.258 1.405 1.346 17109 1.151 1.135 1.289 1.152 17110 1.030 1.090 0.863 1.056 17111 1.030 0.969 0.823 0.919 17112 0.888 0.882 0.703 0.836




ZIP Code Liab Other Comp Coll 17113 1.030 1.090 1.022 1.071 17129 1.022 0.999 0.911 0.992 171XX 1.022 0.999 0.911 0.992 17201 1.133 1.007 0.588 1.074 17202 1.133 1.039 0.593 1.130 17211 1.014 0.898 0.696 0.980 17212 1.014 0.972 0.803 0.950 17213 1.014 0.972 0.696 0.941 17214 1.133 0.945 0.527 1.056 17215 1.014 0.972 0.726 0.936 17217 1.014 0.996 0.777 0.944 17219 1.014 0.996 0.803 0.947 17220 1.014 0.996 0.803 0.945 17221 1.014 1.023 0.726 0.941 17222 1.091 0.945 0.619 0.963 17223 1.014 1.036 0.803 0.947 17224 1.014 0.945 0.687 0.958 17225 1.133 0.986 0.545 1.072 17228 1.014 0.996 0.726 0.934 17229 1.014 0.972 0.701 0.932 17232 1.091 0.996 0.687 1.019 17233 1.091 1.007 0.692 1.020 17236 1.091 0.945 0.663 0.978 17237 1.133 1.198 0.632 1.063 17238 1.014 0.972 1.024 0.956 17239 1.014 0.972 0.777 0.945 17240 1.091 1.023 0.618 1.029 17241 1.091 1.023 0.618 1.005 17243 1.091 0.945 0.759 1.014 17244 1.091 1.023 0.670 0.942 17246 1.014 0.996 0.745 0.945 17252 1.091 1.023 0.646 0.995 17255 1.014 0.972 0.726 0.936 17257 1.070 1.090 0.713 0.955 17260 1.014 1.090 0.726 0.955 17262 1.014 0.898 0.751 0.963 17264 1.014 0.972 0.726 0.934 17265 1.014 0.996 0.696 0.939 17266 1.091 0.945 0.578 1.003 17267 1.014 0.972 0.777 0.945 17268 1.133 0.945 0.487 1.011 17271 1.014 1.023 0.726 0.952 172XX 1.105 0.996 0.608 1.027 17301 1.070 1.023 0.375 0.918 17302 1.031 0.945 0.411 0.935 17304 1.031 0.945 0.411 0.911 17307 1.031 0.945 0.373 0.893 17309 1.031 0.945 0.411 0.902 17313 1.070 1.039 0.406 0.965




ZIP Code Liab Other Comp Coll 17314 1.031 0.945 0.370 0.913 17315 0.980 0.882 0.320 0.915 17316 1.133 0.945 0.340 0.986 17319 1.070 0.945 0.340 0.932 17320 0.944 0.882 0.373 0.877 17321 1.031 0.945 0.411 0.933 17322 1.031 0.945 0.370 0.890 17324 1.091 1.023 0.348 1.057 17325 0.980 0.882 0.320 0.877 17327 0.944 0.945 0.373 0.884 17329 1.031 0.945 0.443 0.900 17331 0.980 0.882 0.275 0.886 17339 1.070 0.945 0.375 0.890 17340 0.980 0.882 0.320 0.872 17344 1.070 1.198 0.450 1.044 17345 1.070 0.945 0.355 0.935 17347 1.070 0.945 0.355 0.970 17349 1.070 0.945 0.355 0.982 17350 1.070 0.945 0.355 0.924 17352 1.091 0.986 0.426 1.069 17353 1.031 0.945 0.370 0.922 17354 1.023 0.944 0.351 0.926 17356 0.980 0.945 0.340 0.927 17360 1.070 0.945 0.340 0.904 17361 0.980 1.039 0.468 0.925 17362 0.980 1.023 0.375 0.888 17363 1.070 0.945 0.340 0.895 17364 1.133 1.124 0.406 1.130 17365 1.031 0.945 0.411 0.893 17366 1.070 0.945 0.375 0.949 17368 1.133 1.124 0.423 1.184 17370 1.070 1.023 0.411 0.961 17372 1.031 1.023 0.406 0.890 17375 1.023 0.944 0.351 0.926 173XX 1.023 0.944 0.351 0.926 17401 1.257 1.258 1.117 1.261 17402 1.125 1.039 0.551 1.068 17403 1.030 1.033 0.594 0.949 17404 0.980 1.033 0.773 0.946 17406 1.070 0.945 0.526 0.937 17407 1.070 0.945 0.605 0.958 17408 0.980 0.969 0.605 0.915 174XX 1.043 1.007 0.632 0.975 17501 1.125 1.039 0.507 1.078 17502 1.133 0.945 0.449 0.961 17505 1.133 0.970 0.508 0.976 17509 1.091 0.945 0.534 0.965 17512 1.070 1.107 0.524 1.004 17516 1.133 1.023 0.449 0.993




ZIP Code Liab Other Comp Coll 17517 1.133 0.945 0.411 1.028 17518 1.091 0.970 0.534 0.972 17519 1.133 0.945 0.487 0.978 17520 1.070 1.039 0.486 1.073 17522 1.133 0.986 0.568 1.097 17527 1.070 0.945 0.449 0.949 17529 1.133 0.945 0.508 0.972 17532 1.091 0.945 0.534 0.992 17535 1.091 0.945 0.534 0.968 17536 1.091 1.023 0.480 0.988 17538 1.133 1.039 0.438 1.030 17540 1.133 0.945 0.485 1.058 17543 1.133 0.945 0.375 1.017 17545 1.070 0.945 0.487 0.920 17547 1.133 0.945 0.485 1.095 17551 1.133 1.039 0.525 1.015 17552 1.133 0.945 0.504 1.102 17554 1.070 1.039 0.507 0.995 17555 1.133 0.945 0.404 0.963 17557 1.133 0.945 0.465 1.110 17560 1.070 0.945 0.449 0.949 17562 1.070 0.945 0.487 0.959 17563 1.031 0.945 0.492 0.961 17565 1.091 0.945 0.519 0.993 17566 1.091 0.945 0.492 0.963 17569 1.070 0.945 0.449 0.959 17572 1.133 0.986 0.526 1.069 17576 1.133 1.023 0.487 1.026 17578 1.133 0.945 0.487 0.984 17579 1.070 0.945 0.449 0.944 17581 1.133 1.023 0.487 1.024 17582 1.091 0.945 0.534 0.978 17584 1.070 0.945 0.509 0.986 175XX 1.109 0.970 0.477 1.014 17601 0.980 0.969 0.527 0.946 17602 1.030 1.090 0.639 0.962 17603 1.125 1.152 0.594 1.090 17611 1.047 1.063 0.582 1.003 176XX 1.047 1.063 0.582 1.003 17701 0.888 0.940 0.578 0.845 17702 0.888 0.954 0.499 0.786 17723 0.878 0.931 0.647 0.772 17724 0.855 1.017 0.766 0.815 17727 0.878 0.931 0.647 0.772 17728 0.855 0.954 0.546 0.807 17729 0.878 0.931 0.796 0.762 17737 0.855 0.954 0.546 0.798 17740 0.736 0.841 0.546 0.740 17742 0.878 0.931 0.690 0.769




ZIP Code Liab Other Comp Coll 17744 0.855 0.882 0.546 0.798 17745 0.944 1.017 0.734 0.842 17747 0.795 0.907 0.796 0.753 17751 0.944 0.954 0.737 0.778 17752 0.855 1.017 0.546 0.789 17754 0.764 0.882 0.533 0.755 17756 0.855 0.882 0.623 0.766 17758 0.795 0.838 0.796 0.758 17764 0.795 0.893 0.887 0.748 17765 0.795 0.967 0.750 0.755 17768 0.852 0.931 0.603 0.792 17771 0.795 0.907 0.634 0.734 17772 0.855 0.954 0.649 0.807 17774 0.795 0.954 0.634 0.750 17776 0.795 0.907 0.634 0.758 17777 0.888 0.954 0.656 0.796 17778 0.795 0.838 0.775 0.760 177XX 0.852 0.931 0.603 0.792 17801 0.980 1.017 0.549 0.856 17810 0.958 1.023 0.605 0.832 17812 0.878 0.954 0.674 0.811 17813 0.944 0.954 0.601 0.874 17814 0.878 0.954 0.576 0.793 17815 0.980 0.945 0.610 0.886 17820 0.944 0.954 0.692 0.849 17821 0.944 0.882 0.601 0.872 17823 0.958 0.949 0.672 0.830 17824 0.980 0.882 0.549 0.872 17827 0.980 0.882 0.549 0.877 17830 0.944 0.882 0.782 0.881 17834 0.980 0.882 0.582 0.911 17836 0.958 0.949 0.601 0.838 17837 0.980 0.882 0.590 0.833 17841 0.944 1.017 0.646 0.863 17842 0.944 0.954 0.601 0.863 17843 0.980 0.949 0.601 0.882 17844 1.031 0.945 0.622 0.922 17845 0.878 0.967 0.701 0.804 17846 0.944 0.954 0.638 0.863 17847 1.133 1.007 0.544 1.061 17851 1.070 1.007 0.622 0.939 17853 0.944 0.882 0.601 0.874 17855 0.980 0.954 0.565 0.877 17856 0.944 0.954 0.646 0.851 17857 0.980 0.882 0.567 0.867 17859 0.944 0.954 0.619 0.865 17860 0.944 0.954 0.576 0.865 17864 1.031 0.949 0.576 0.900 17866 0.980 1.017 0.549 0.894




ZIP Code Liab Other Comp Coll 17867 0.958 0.949 0.672 0.828 17870 0.980 0.882 0.549 0.842 17872 0.980 0.940 0.715 0.851 17876 1.133 0.945 0.611 1.077 17878 0.944 0.954 0.619 0.870 17881 0.944 1.017 0.668 0.879 17886 1.133 0.949 0.668 1.046 17888 0.878 0.945 0.744 0.823 17889 0.944 0.882 0.576 0.872 178XX 0.980 0.949 0.601 0.882 17901 0.888 0.882 0.953 0.842 17921 0.888 0.954 0.887 0.815 17922 0.888 0.954 0.921 0.810 17929 0.980 1.049 0.971 0.901 17931 0.980 0.882 0.940 0.867 17934 0.943 1.017 1.035 0.906 17935 0.980 1.017 0.997 0.896 17938 0.944 0.954 0.987 0.837 17941 0.878 0.882 1.117 0.791 17948 0.980 0.940 1.060 0.840 17954 1.151 1.075 1.161 0.988 17957 0.878 0.954 1.195 0.802 17959 0.944 0.882 1.208 0.837 17960 1.031 0.945 1.030 0.920 17961 0.980 0.882 0.940 0.820 17963 0.944 0.882 1.030 0.858 17964 0.878 0.938 1.195 0.789 17965 0.980 1.118 0.997 0.874 17967 0.944 0.954 1.030 0.837 17968 0.944 0.954 1.021 0.851 17970 1.070 1.198 1.065 0.937 17972 0.888 0.882 1.384 0.812 17976 0.980 1.033 1.102 0.869 17978 0.944 0.938 1.021 0.856 17980 0.944 0.954 1.167 0.833 17981 1.091 1.090 1.030 0.980 17983 0.980 0.882 0.900 0.901 17985 0.944 0.954 1.066 0.835 179XX 0.943 0.938 1.035 0.850 18011 1.133 1.039 0.877 1.184 18013 1.133 1.039 0.973 1.130 18014 1.133 1.039 0.877 1.184 18015 1.133 1.216 1.060 1.267 18016 0.998 1.107 1.250 1.007 18017 1.190 1.141 1.314 1.267 18018 1.330 1.310 1.496 1.382 18020 1.133 1.141 0.915 1.184 18031 1.133 1.039 0.877 1.184 18032 1.330 1.230 1.293 1.382




ZIP Code Liab Other Comp Coll 18034 1.133 1.039 0.725 1.184 18035 1.133 1.101 0.779 1.184 18036 1.133 1.039 0.753 1.184 18037 1.133 1.141 0.844 1.184 18038 1.133 1.039 1.629 1.130 18040 1.133 1.141 0.907 1.184 18041 1.133 1.039 1.007 1.184 18042 1.190 1.216 1.139 1.267 18045 1.133 1.141 0.878 1.267 18049 1.133 1.141 1.016 1.267 18051 1.133 1.039 0.877 1.130 18052 1.190 1.141 1.396 1.267 18053 1.091 1.124 0.961 1.130 18054 1.133 1.039 0.907 1.130 18055 1.133 1.039 0.844 1.184 18056 1.133 1.039 0.877 1.184 18058 1.091 1.039 1.173 1.130 18059 1.133 1.039 0.877 1.184 18062 1.133 1.141 1.098 1.184 18064 1.133 1.039 0.811 1.184 18066 1.091 1.039 0.926 1.130 18067 1.133 1.039 0.877 1.184 18069 1.133 1.039 0.753 1.184 18070 1.133 1.101 0.877 1.130 18071 1.133 1.039 0.844 1.184 18072 1.133 1.039 1.007 1.184 18073 1.133 1.039 0.938 1.184 18074 1.133 1.039 0.907 1.130 18076 1.190 1.141 1.210 1.267 18077 1.091 1.039 0.961 1.130 18078 1.133 1.039 0.844 1.184 18080 1.133 1.039 0.938 1.184 18087 1.133 1.039 0.877 1.184 18088 1.133 1.039 0.907 1.184 18091 1.133 1.039 0.877 1.184 18092 1.133 1.039 0.877 1.130 180XX 1.150 1.101 1.008 1.210 18101 1.257 1.258 1.405 1.289 18102 1.257 1.258 1.405 1.585 18103 1.125 1.152 1.014 1.026 18104 1.030 1.039 0.782 0.990 18106 1.070 1.039 0.704 0.932 18109 1.125 1.216 0.956 1.008 18195 1.104 1.115 0.951 1.064 181XX 1.104 1.115 0.951 1.064 18201 0.980 1.033 0.684 0.985 18202 1.070 1.007 0.652 0.961 18210 0.944 0.945 0.636 0.884 18211 1.031 0.945 0.663 0.909




ZIP Code Liab Other Comp Coll 18214 1.031 0.945 0.663 0.915 18216 1.031 1.023 0.873 0.927 18218 1.070 1.198 0.715 0.947 18222 0.980 0.945 0.605 0.886 18224 0.980 1.007 0.800 0.925 18229 1.091 0.986 0.659 1.077 18232 1.125 1.107 0.684 1.014 18235 0.980 0.882 0.605 0.874 18237 1.070 1.007 0.670 0.904 18240 1.091 0.945 0.659 1.006 18241 1.031 0.966 0.886 0.913 18249 1.031 0.945 0.663 0.890 18250 1.070 0.945 0.644 0.989 18252 1.070 1.007 0.652 0.900 18255 0.944 0.945 0.597 0.884 182XX 1.013 0.966 0.651 0.925 18301 1.133 1.007 0.833 1.048 18302 1.133 1.007 0.811 0.995 18321 1.133 0.945 0.867 1.044 18322 1.133 0.945 0.974 1.072 18324 1.091 1.007 1.012 1.008 18325 1.091 0.945 0.921 1.039 18326 1.091 0.945 0.987 0.980 18328 1.091 1.023 0.949 0.970 18330 1.133 1.039 0.938 1.184 18331 1.091 0.945 0.951 0.997 18332 1.133 0.945 0.938 1.015 18333 1.133 0.945 0.671 0.990 18334 1.091 1.007 0.889 0.984 18336 1.133 0.945 0.938 1.014 18337 1.031 0.945 1.070 0.946 18343 1.133 0.945 0.937 0.974 18344 1.133 1.007 0.867 1.048 18346 1.091 0.945 0.887 1.017 18347 1.091 1.023 0.856 0.980 18350 1.091 1.023 1.231 1.020 18352 1.133 1.090 0.781 0.993 18353 1.133 0.945 0.867 0.978 18354 1.133 0.945 0.867 0.997 18355 1.133 1.007 0.933 1.003 18360 1.070 0.945 0.932 0.984 18370 1.091 0.945 0.951 0.990 18371 1.091 1.007 0.889 0.997 18372 1.133 0.945 1.203 0.982 183XX 1.103 0.980 0.924 1.003 18403 0.980 0.882 0.695 0.879 18405 0.944 0.882 0.791 0.860 18407 0.980 0.940 0.808 0.923 18411 0.980 0.882 0.713 0.864




ZIP Code Liab Other Comp Coll 18414 0.944 0.882 0.749 0.851 18415 0.878 0.882 0.858 0.815 18417 1.014 1.014 0.878 1.001 18419 0.944 0.882 0.782 0.865 18421 0.944 0.945 0.782 0.886 18424 0.944 0.882 0.706 0.854 18425 0.878 0.945 0.773 0.821 18426 0.944 0.882 0.675 0.858 18427 0.863 0.940 0.896 0.785 18428 0.944 0.882 1.054 0.847 18430 0.878 0.909 0.896 0.823 18431 0.944 0.945 0.782 0.888 18433 0.980 0.882 0.754 0.851 18434 0.980 1.049 0.737 0.894 18435 0.944 0.945 0.791 0.886 18436 0.944 0.882 0.749 0.844 18437 0.878 0.972 0.858 0.821 18438 0.944 0.882 0.873 0.860 18439 0.878 0.838 0.812 0.815 18441 0.944 0.909 0.749 0.884 18443 0.878 0.954 0.812 0.819 18444 0.944 0.882 0.749 0.840 18445 0.944 0.882 0.750 0.879 18446 0.944 0.882 0.749 0.860 18447 0.980 0.882 0.779 0.881 18451 0.944 0.882 0.675 0.879 18452 1.030 0.969 0.820 0.962 18453 0.878 0.838 0.812 0.804 18455 0.958 0.898 0.858 0.828 18456 0.944 0.882 0.782 0.879 18458 0.944 0.882 0.675 0.877 18460 0.944 0.945 0.749 0.884 18461 0.958 0.909 0.858 0.874 18462 0.878 0.898 0.858 0.823 18463 0.944 1.023 0.675 0.884 18464 0.944 0.882 0.675 0.872 18465 0.878 0.838 0.903 0.811 18466 1.133 1.063 0.723 1.264 18469 0.878 0.945 0.812 0.821 18470 0.944 0.882 0.826 0.806 18472 0.944 0.882 0.782 0.860 184XX 0.966 0.909 0.776 0.890 18503 1.330 1.258 1.158 1.265 18504 1.330 1.152 0.863 1.201 18505 1.133 1.107 0.702 1.138 18507 1.133 1.039 0.662 1.082 18508 1.190 1.107 0.750 1.168 18509 1.330 1.243 0.755 1.320 18510 1.330 1.192 1.021 1.246




ZIP Code Liab Other Comp Coll 18512 1.133 1.039 0.684 1.122 18515 1.213 1.124 0.755 1.181 18517 1.133 1.124 0.648 1.072 18518 1.190 1.141 0.733 1.267 18519 1.190 1.039 0.750 1.134 185XX 1.213 1.124 0.755 1.181 18603 0.888 0.940 0.754 0.856 18610 0.944 0.940 0.833 0.842 18612 0.980 0.882 0.713 0.872 18614 0.958 0.898 0.848 0.828 18615 0.944 0.954 0.826 0.860 18616 0.878 0.907 0.926 0.808 18617 1.070 1.007 0.754 1.000 18618 0.980 0.882 0.832 0.867 18619 0.878 0.972 1.120 0.823 18621 0.944 0.882 0.749 0.847 18622 0.944 0.954 0.826 0.867 18623 0.878 0.838 0.858 0.800 18628 0.878 0.838 0.858 0.817 18629 0.944 1.017 0.854 0.877 18630 0.958 0.945 0.848 0.834 18632 0.878 0.838 1.015 0.813 18634 0.980 0.940 0.713 0.877 18635 0.944 0.954 0.992 0.835 18636 0.944 0.954 0.826 0.858 18640 0.980 0.882 0.757 0.889 18641 1.070 1.124 0.844 0.956 18642 0.980 0.969 0.800 0.894 18643 1.070 0.945 0.737 0.944 18644 0.980 0.882 0.713 0.920 18651 1.133 1.107 0.808 1.015 18655 0.944 0.882 0.826 0.842 18656 0.878 0.954 0.858 0.787 18657 0.944 0.882 1.216 0.842 18660 0.944 0.954 0.749 0.858 18661 0.944 0.882 0.791 0.856 186XX 0.963 0.922 0.814 0.872 18701 1.257 1.216 0.833 1.275 18702 1.070 1.007 0.762 0.975 18704 1.330 1.081 0.729 1.163 18705 1.125 1.039 0.639 1.061 18706 1.133 1.007 0.626 1.040 18707 1.133 0.945 0.509 0.963 18708 1.070 0.945 0.672 1.000 18709 1.257 1.152 0.780 1.125 18711 1.154 1.017 0.665 1.033 187XX 1.154 1.017 0.665 1.033 18801 1.031 0.945 0.869 0.949 18810 1.031 1.007 0.922 0.918




ZIP Code Liab Other Comp Coll 18812 1.031 1.023 0.749 0.927 18817 1.021 0.949 0.849 0.911 18818 0.958 0.898 0.943 0.876 18821 1.031 0.945 0.829 0.924 18822 1.031 0.945 0.808 0.915 18823 0.958 0.945 0.896 0.882 18824 1.031 0.945 0.782 0.924 18825 0.958 0.898 0.858 0.870 18826 0.958 0.945 1.031 0.857 18828 0.958 0.949 0.858 0.880 18829 1.031 0.945 0.826 0.931 18830 0.958 0.898 0.858 0.870 18831 0.958 0.945 0.848 0.863 18832 1.031 1.023 0.826 0.929 18833 1.014 1.036 0.926 0.897 18834 1.031 0.945 0.808 0.955 18837 0.958 0.898 0.943 0.849 18840 1.070 0.945 0.757 0.942 18842 0.958 0.949 0.858 0.870 18844 1.031 0.945 0.782 0.933 18845 0.958 0.898 0.896 0.884 18846 0.958 0.898 1.070 0.861 18847 1.031 0.945 0.829 0.915 18848 1.031 0.945 0.829 0.900 18850 1.091 1.023 0.782 0.905 18851 0.958 0.898 0.896 0.878 18853 0.958 0.945 0.896 0.870 18854 1.031 1.023 0.808 0.931 188XX 1.021 0.949 0.849 0.911 18901 1.133 1.083 0.456 1.204 18902 1.133 0.945 0.453 1.088 18913 1.133 0.945 0.453 1.099 18914 1.133 1.141 0.441 1.184 18915 1.190 1.015 0.456 1.171 18917 1.190 1.039 0.590 1.180 18920 1.091 0.945 0.496 1.050 18923 1.133 0.945 0.490 1.109 18925 1.133 0.945 0.421 1.091 18927 1.133 0.986 0.453 1.064 18929 1.133 1.039 0.421 1.101 18930 1.091 0.945 0.538 1.032 18932 1.133 0.945 0.453 1.097 18933 1.133 1.015 0.453 1.055 18934 1.133 0.945 0.453 1.103 18936 1.190 1.039 0.545 1.180 18938 1.133 0.986 0.421 1.131 18940 1.133 1.039 0.421 1.112 18942 1.091 0.945 0.538 1.036 18944 1.133 0.945 0.490 1.065




ZIP Code Liab Other Comp Coll 18947 1.133 0.945 0.485 1.036 18951 1.133 0.945 0.545 1.105 18954 1.133 1.039 0.456 1.092 18955 1.133 1.039 0.490 1.090 18960 1.133 0.945 0.585 1.077 18964 1.133 1.039 0.590 1.167 18966 1.190 1.039 0.525 1.146 18969 1.133 1.083 0.545 1.118 18972 1.091 0.945 0.618 1.053 18974 1.190 1.039 0.634 1.124 18976 1.133 1.141 0.476 1.267 18977 1.133 0.945 0.421 1.094 189XX 1.142 1.015 0.515 1.120 19001 1.330 1.119 1.643 1.222 19002 1.133 1.039 0.988 1.167 19003 1.330 1.119 1.666 1.228 19004 1.330 1.081 1.153 1.174 19006 1.133 1.039 0.954 1.118 19007 1.330 1.152 1.408 1.226 19008 1.330 1.081 1.076 1.178 19010 1.190 1.039 1.073 1.120 19012 1.330 1.081 1.540 1.378 19013 1.330 1.258 2.234 1.468 19014 1.190 1.039 1.233 1.107 19015 1.330 1.192 1.625 1.231 19018 1.330 1.192 1.569 1.224 19020 1.330 1.128 1.676 1.252 19021 1.190 1.081 1.350 1.134 19022 1.330 1.216 1.501 1.197 19023 1.330 1.258 2.014 1.415 19025 1.133 1.039 1.001 1.134 19026 1.330 1.119 1.666 1.241 19027 1.330 1.192 1.846 1.433 19029 1.133 1.039 1.310 1.128 19030 1.330 1.081 1.448 1.145 19031 1.133 1.039 1.024 1.136 19032 1.330 1.258 1.685 1.398 19033 1.330 1.119 1.483 1.262 19034 1.133 1.039 0.966 1.048 19035 1.133 1.039 1.050 1.211 19036 1.330 1.192 1.817 1.219 19038 1.330 1.119 1.373 1.355 19040 1.330 1.081 1.391 1.199 19041 1.190 1.039 1.112 1.132 19043 1.330 1.119 1.685 1.231 19044 1.190 1.039 1.337 1.132 19046 1.330 1.081 1.391 1.189 19047 1.190 1.039 1.891 1.112 19050 1.330 1.258 1.856 1.395




ZIP Code Liab Other Comp Coll 19053 1.190 1.081 1.303 1.096 19054 1.330 1.081 1.343 1.168 19055 1.330 1.119 1.476 1.235 19056 1.330 1.081 1.391 1.193 19057 1.330 1.081 1.387 1.168 19060 1.133 1.039 1.112 1.134 19061 1.330 1.081 1.521 1.152 19063 1.190 1.141 1.351 1.267 19064 1.330 1.081 1.167 1.163 19066 1.330 1.081 1.235 1.197 19067 1.190 1.039 1.348 1.094 19070 1.330 1.119 1.625 1.276 19072 1.330 1.081 1.167 1.168 19073 1.133 1.039 0.924 1.070 19074 1.330 1.119 1.647 1.254 19075 1.330 1.081 1.253 1.189 19076 1.330 1.119 2.006 1.219 19078 1.330 1.119 1.702 1.239 19079 1.330 1.258 1.994 1.451 19081 1.330 1.119 1.609 1.219 19082 1.330 1.312 2.034 2.016 19083 1.330 1.230 1.312 1.382 19085 1.133 1.039 1.026 1.065 19086 1.330 1.081 1.153 1.165 19087 1.190 1.039 0.954 1.094 19090 1.330 1.119 1.391 1.282 19094 1.330 1.192 1.685 1.239 19095 1.330 1.081 1.635 1.408 19096 1.330 1.119 1.223 1.284 190XX 1.277 1.102 1.446 1.217 19102 1.330 1.167 1.715 1.821 19103 1.330 1.167 1.922 1.811 19104 1.330 1.312 2.113 2.079 19106 1.330 1.167 2.049 1.823 19107 1.330 1.243 1.831 1.822 19109 1.328 1.249 2.023 1.741 19110 1.328 1.249 2.023 1.741 19111 1.330 1.192 1.947 1.793 19112 0.998 1.249 1.394 0.962 19113 1.328 1.249 1.419 0.960 19114 1.330 1.167 1.774 1.304 19115 1.330 1.167 1.866 1.320 19116 1.330 1.167 1.864 1.321 19118 1.330 1.167 1.600 1.496 19119 1.330 1.312 2.179 1.498 19120 1.330 1.312 2.113 2.082 19121 1.330 1.383 2.167 2.179 19122 1.330 1.312 2.113 2.074 19123 1.330 1.312 2.281 2.078




ZIP Code Liab Other Comp Coll 19124 1.330 1.312 2.179 2.074 19125 1.330 1.243 1.831 1.828 19126 1.330 1.312 2.113 2.078 19127 1.330 1.243 1.971 1.830 19128 1.330 1.167 1.864 1.302 19129 1.330 1.312 2.234 1.503 19130 1.330 1.243 1.992 2.066 19131 1.330 1.383 2.274 2.179 19132 1.330 1.312 2.113 2.077 19133 1.330 1.312 2.113 2.074 19134 1.330 1.312 2.208 1.830 19135 1.330 1.312 2.234 1.828 19136 1.330 1.243 1.795 1.316 19137 1.330 1.243 1.831 1.319 19138 1.330 1.312 2.113 2.080 19139 1.330 1.312 2.147 2.077 19140 1.330 1.312 2.179 2.081 19141 1.330 1.312 2.113 2.080 19142 1.330 1.312 2.076 2.075 19143 1.330 1.312 2.208 2.063 19144 1.330 1.312 2.076 1.501 19145 1.330 1.312 2.113 2.064 19146 1.330 1.312 2.259 2.072 19147 1.330 1.243 2.084 1.829 19148 1.330 1.243 2.066 1.821 19149 1.330 1.383 2.304 1.915 19150 1.330 1.383 2.205 2.179 19151 1.330 1.312 2.274 2.054 19152 1.330 1.167 1.864 1.320 19153 1.190 1.268 1.555 1.376 19154 1.330 1.167 1.715 1.312 19190 1.328 1.249 2.023 1.741 191XX 1.328 1.249 2.023 1.741 19301 1.070 1.039 0.408 1.066 19310 1.070 0.945 0.449 0.940 19311 1.070 0.945 0.487 0.995 19312 1.070 1.039 0.376 0.972 19317 1.133 0.945 0.390 1.061 19319 1.133 0.945 0.487 1.011 19320 1.070 1.007 0.449 1.130 19330 1.091 0.945 0.443 0.982 19333 1.125 1.039 0.408 1.066 19335 1.070 1.039 0.446 0.965 19341 1.133 1.141 0.473 1.267 19342 1.070 1.039 0.385 0.975 19343 1.070 0.945 0.377 0.944 19344 1.070 0.945 0.438 0.972 19348 1.133 0.986 0.375 1.103 19350 1.070 0.945 0.377 0.977




ZIP Code Liab Other Comp Coll 19352 1.133 0.945 0.347 0.982 19355 1.070 0.945 0.347 0.984 19362 1.091 0.945 0.459 1.010 19363 1.070 0.945 0.487 0.955 19365 1.070 0.945 0.449 0.977 19372 1.133 1.039 0.487 1.046 19373 1.070 0.945 0.418 0.998 19374 1.133 0.945 0.509 1.006 19380 1.070 1.039 0.417 1.044 19382 1.070 1.039 0.527 0.977 19390 1.070 0.945 0.449 0.982 193XX 1.080 0.991 0.435 1.020 19401 1.330 1.258 1.526 1.426 19403 1.190 1.039 0.741 1.114 19405 1.330 1.192 1.031 1.254 19406 1.190 1.039 0.752 1.134 19422 1.133 1.039 0.540 1.082 19425 1.133 0.945 0.485 1.052 19426 1.070 1.039 0.563 0.984 19428 1.330 1.081 0.811 1.223 19435 1.133 1.053 0.601 1.005 19436 1.160 1.053 0.658 1.105 19438 1.133 1.039 0.485 1.063 19440 1.133 1.039 0.590 1.092 19444 1.190 1.039 0.563 1.109 19446 1.190 1.141 0.596 1.165 19453 1.133 1.039 0.628 1.124 19454 1.190 1.039 0.593 1.134 19460 1.133 1.039 0.551 1.078 19462 1.133 1.039 0.931 1.094 19464 1.125 1.107 0.655 1.051 19465 1.133 0.986 0.626 1.120 19468 1.133 1.039 0.551 1.038 19473 1.133 0.986 0.527 1.131 19475 1.133 0.945 0.631 1.013 19477 1.133 1.053 0.559 1.130 19492 1.133 0.945 0.516 1.052 194XX 1.160 1.053 0.658 1.105 19503 1.070 0.945 0.526 0.954 19504 1.070 0.945 0.473 0.915 19505 1.070 0.945 0.438 0.937 19506 0.944 0.882 0.519 0.881 19507 1.031 0.945 0.519 0.897 19508 1.070 0.945 0.473 0.958 19510 1.070 0.945 0.473 0.954 19512 0.980 0.882 0.473 0.913 19518 1.070 0.945 0.473 0.984 19520 1.070 0.945 0.509 0.906 19522 0.980 0.882 0.438 0.920




ZIP Code Liab Other Comp Coll 19525 1.133 0.945 0.504 1.058 19526 1.070 1.023 0.605 0.893 19529 1.031 0.945 0.519 0.893 19530 1.133 0.986 0.611 1.060 19533 1.070 0.945 0.438 0.890 19534 1.031 0.945 0.558 0.924 19539 1.070 0.945 0.438 0.895 19540 1.070 0.945 0.438 0.954 19541 1.070 0.945 0.438 0.931 19543 1.133 0.945 0.473 0.990 19547 1.031 0.945 0.519 0.904 19551 1.070 1.023 0.438 0.911 19555 1.070 1.023 0.473 0.927 19560 1.070 1.039 0.580 0.984 19562 1.070 0.945 0.473 0.989 19565 0.980 0.882 0.438 0.923 19567 1.070 0.945 0.509 0.918 195XX 1.052 0.942 0.488 0.942 19601 1.330 1.312 1.308 1.303 19602 1.330 1.258 1.383 1.260 19604 1.330 1.258 1.383 1.258 19605 1.133 1.083 0.810 1.126 19606 1.133 1.039 0.628 1.040 19607 1.190 1.039 0.823 1.105 19608 1.133 1.039 0.601 1.063 19609 1.330 1.119 1.034 1.217 19610 1.190 1.081 0.730 1.160 19611 1.330 1.216 1.008 1.202 196XX 1.191 1.089 0.816 1.120




Marital Status / Age / Gender Factor - Motorcycles Married Age Gender Liab Other Comp Coll

Y 16 M 0.839 0.935 0.906 0.936 Y 17 M 0.839 0.935 0.906 0.936 Y 18 M 0.839 0.935 0.906 0.936 Y 19 M 0.839 0.935 0.906 0.936 Y 20 M 0.839 0.935 0.906 0.936 Y 21 M 0.839 0.935 0.906 0.936 Y 22 M 0.839 0.935 0.906 0.936 Y 23 M 0.839 0.935 0.906 0.936 Y 24 M 0.839 0.935 0.906 0.936 Y 25 M 0.839 0.935 0.906 0.936 Y 26 M 0.839 0.935 0.906 0.936 Y 27 M 0.839 0.935 0.906 0.936 Y 28 M 0.839 0.935 0.906 0.936 Y 29 M 0.839 0.935 0.906 0.936 Y 30 M 0.839 0.935 0.906 0.936 Y 31 M 0.839 0.935 0.906 0.936 Y 32 M 0.839 0.935 0.906 0.936 Y 33 M 0.839 0.935 0.906 0.936 Y 34 M 0.839 0.935 0.906 0.936 Y 35 M 0.839 0.935 0.906 0.936 Y 36 M 0.839 0.935 0.906 0.936 Y 37 M 0.839 0.935 0.906 0.936 Y 38 M 0.839 0.935 0.906 0.936 Y 39 M 0.839 0.935 0.906 0.936 Y 40 M 0.839 0.935 0.906 0.936 Y 41 M 0.839 0.935 0.906 0.936 Y 42 M 0.839 0.935 0.906 0.936 Y 43 M 0.839 0.935 0.906 0.936 Y 44 M 0.839 0.935 0.906 0.936 Y 45 M 0.839 0.935 0.906 0.936 Y 46 M 0.839 0.935 0.906 0.936 Y 47 M 0.839 0.935 0.906 0.936 Y 48 M 0.839 0.935 0.906 0.936 Y 49 M 0.839 0.935 0.906 0.936 Y 50 M 0.839 0.935 0.906 0.936 Y 51 M 0.839 0.935 0.906 0.936 Y 52 M 0.839 0.935 0.906 0.936 Y 53 M 0.839 0.935 0.906 0.936 Y 54 M 0.839 0.935 0.906 0.936 Y 55 M 0.839 0.935 0.906 0.936 Y 56 M 0.839 0.935 0.906 0.936 Y 57 M 0.839 0.935 0.906 0.936 Y 58 M 0.839 0.935 0.906 0.936 Y 59 M 0.839 0.935 0.906 0.936 Y 60 M 0.839 0.935 0.906 0.936 Y 61 M 0.839 0.935 0.906 0.936 Y 62 M 0.839 0.935 0.906 0.936 Y 63 M 0.839 0.935 0.906 0.936




Married Age Gender Liab Other Comp Coll Y 64 M 0.839 0.935 0.906 0.936 Y 65 M 0.839 0.935 0.906 0.936 Y 66 M 0.839 0.935 0.906 0.936 Y 67 M 0.839 0.935 0.906 0.936 Y 68 M 0.839 0.935 0.906 0.936 Y 69 M 0.839 0.935 0.906 0.936 Y 70 M 0.839 0.935 0.906 0.936 Y 71 M 0.839 0.935 0.906 0.936 Y 72 M 0.839 0.935 0.906 0.936 Y 73 M 0.839 0.935 0.906 0.936 Y 74 M 0.839 0.935 0.906 0.936 Y 75 M 0.839 0.935 0.906 0.936 Y 76 M 0.839 0.935 0.906 0.936 Y 77 M 0.839 0.935 0.906 0.936 Y 78 M 0.839 0.935 0.906 0.936 Y 79 M 0.839 0.935 0.906 0.936 Y 80 M 0.839 0.935 0.906 0.936 Y 81 M 0.839 0.935 0.906 0.936 Y 82 M 0.839 0.935 0.906 0.936 Y 83 M 0.839 0.935 0.906 0.936 Y 84 M 0.839 0.935 0.906 0.936 Y 85 M 0.839 0.935 0.906 0.936 N 16 M 1.337 1.161 1.214 1.157 N 17 M 1.337 1.161 1.214 1.157 N 18 M 1.337 1.161 1.214 1.157 N 19 M 1.337 1.161 1.214 1.157 N 20 M 1.337 1.161 1.214 1.157 N 21 M 1.337 1.161 1.214 1.157 N 22 M 1.337 1.161 1.214 1.157 N 23 M 1.337 1.161 1.214 1.157 N 24 M 1.337 1.161 1.214 1.157 N 25 M 1.337 1.161 1.214 1.157 N 26 M 1.337 1.161 1.214 1.157 N 27 M 1.337 1.161 1.214 1.157 N 28 M 1.337 1.161 1.214 1.157 N 29 M 1.337 1.161 1.214 1.157 N 30 M 1.337 1.161 1.214 1.157 N 31 M 1.337 1.161 1.214 1.157 N 32 M 1.337 1.161 1.214 1.157 N 33 M 1.337 1.161 1.214 1.157 N 34 M 1.337 1.161 1.214 1.157 N 35 M 1.337 1.161 1.214 1.157 N 36 M 1.337 1.161 1.214 1.157 N 37 M 1.337 1.161 1.214 1.157 N 38 M 1.337 1.161 1.214 1.157 N 39 M 1.337 1.161 1.214 1.157 N 40 M 1.337 1.161 1.214 1.157 N 41 M 1.337 1.161 1.214 1.157 N 42 M 1.337 1.161 1.214 1.157 N 43 M 1.337 1.161 1.214 1.157




Married Age Gender Liab Other Comp Coll N 44 M 1.337 1.161 1.214 1.157 N 45 M 1.337 1.161 1.214 1.157 N 46 M 1.337 1.161 1.214 1.157 N 47 M 1.337 1.161 1.214 1.157 N 48 M 1.337 1.161 1.214 1.157 N 49 M 1.337 1.161 1.214 1.157 N 50 M 1.337 1.161 1.214 1.157 N 51 M 1.337 1.161 1.214 1.157 N 52 M 1.337 1.161 1.214 1.157 N 53 M 1.337 1.161 1.214 1.157 N 54 M 1.337 1.161 1.214 1.157 N 55 M 1.337 1.161 1.214 1.157 N 56 M 1.337 1.161 1.214 1.157 N 57 M 1.337 1.161 1.214 1.157 N 58 M 1.337 1.161 1.214 1.157 N 59 M 1.337 1.161 1.214 1.157 N 60 M 1.337 1.161 1.214 1.157 N 61 M 1.337 1.161 1.214 1.157 N 62 M 1.337 1.161 1.214 1.157 N 63 M 1.337 1.161 1.214 1.157 N 64 M 1.337 1.161 1.214 1.157 N 65 M 1.337 1.161 1.214 1.157 N 66 M 1.337 1.161 1.214 1.157 N 67 M 1.337 1.161 1.214 1.157 N 68 M 1.337 1.161 1.214 1.157 N 69 M 1.337 1.161 1.214 1.157 N 70 M 1.337 1.161 1.214 1.157 N 71 M 1.337 1.161 1.214 1.157 N 72 M 1.337 1.161 1.214 1.157 N 73 M 1.337 1.161 1.214 1.157 N 74 M 1.337 1.161 1.214 1.157 N 75 M 1.337 1.161 1.214 1.157 N 76 M 1.337 1.161 1.214 1.157 N 77 M 1.337 1.161 1.214 1.157 N 78 M 1.337 1.161 1.214 1.157 N 79 M 1.337 1.161 1.214 1.157 N 80 M 1.337 1.161 1.214 1.157 N 81 M 1.337 1.161 1.214 1.157 N 82 M 1.337 1.161 1.214 1.157 N 83 M 1.337 1.161 1.214 1.157 N 84 M 1.337 1.161 1.214 1.157 N 85 M 1.337 1.161 1.214 1.157 Y 16 F 0.839 0.935 0.906 0.936 Y 17 F 0.839 0.935 0.906 0.936 Y 18 F 0.839 0.935 0.906 0.936 Y 19 F 0.839 0.935 0.906 0.936 Y 20 F 0.839 0.935 0.906 0.936 Y 21 F 0.839 0.935 0.906 0.936 Y 22 F 0.839 0.935 0.906 0.936 Y 23 F 0.839 0.935 0.906 0.936




Married Age Gender Liab Other Comp Coll Y 24 F 0.839 0.935 0.906 0.936 Y 25 F 0.839 0.935 0.906 0.936 Y 26 F 0.839 0.935 0.906 0.936 Y 27 F 0.839 0.935 0.906 0.936 Y 28 F 0.839 0.935 0.906 0.936 Y 29 F 0.839 0.935 0.906 0.936 Y 30 F 0.839 0.935 0.906 0.936 Y 31 F 0.839 0.935 0.906 0.936 Y 32 F 0.839 0.935 0.906 0.936 Y 33 F 0.839 0.935 0.906 0.936 Y 34 F 0.839 0.935 0.906 0.936 Y 35 F 0.839 0.935 0.906 0.936 Y 36 F 0.839 0.935 0.906 0.936 Y 37 F 0.839 0.935 0.906 0.936 Y 38 F 0.839 0.935 0.906 0.936 Y 39 F 0.839 0.935 0.906 0.936 Y 40 F 0.839 0.935 0.906 0.936 Y 41 F 0.839 0.935 0.906 0.936 Y 42 F 0.839 0.935 0.906 0.936 Y 43 F 0.839 0.935 0.906 0.936 Y 44 F 0.839 0.935 0.906 0.936 Y 45 F 0.839 0.935 0.906 0.936 Y 46 F 0.839 0.935 0.906 0.936 Y 47 F 0.839 0.935 0.906 0.936 Y 48 F 0.839 0.935 0.906 0.936 Y 49 F 0.839 0.935 0.906 0.936 Y 50 F 0.839 0.935 0.906 0.936 Y 51 F 0.839 0.935 0.906 0.936 Y 52 F 0.839 0.935 0.906 0.936 Y 53 F 0.839 0.935 0.906 0.936 Y 54 F 0.839 0.935 0.906 0.936 Y 55 F 0.839 0.935 0.906 0.936 Y 56 F 0.839 0.935 0.906 0.936 Y 57 F 0.839 0.935 0.906 0.936 Y 58 F 0.839 0.935 0.906 0.936 Y 59 F 0.839 0.935 0.906 0.936 Y 60 F 0.839 0.935 0.906 0.936 Y 61 F 0.839 0.935 0.906 0.936 Y 62 F 0.839 0.935 0.906 0.936 Y 63 F 0.839 0.935 0.906 0.936 Y 64 F 0.839 0.935 0.906 0.936 Y 65 F 0.839 0.935 0.906 0.936 Y 66 F 0.839 0.935 0.906 0.936 Y 67 F 0.839 0.935 0.906 0.936 Y 68 F 0.839 0.935 0.906 0.936 Y 69 F 0.839 0.935 0.906 0.936 Y 70 F 0.839 0.935 0.906 0.936 Y 71 F 0.839 0.935 0.906 0.936 Y 72 F 0.839 0.935 0.906 0.936 Y 73 F 0.839 0.935 0.906 0.936




Married Age Gender Liab Other Comp Coll Y 74 F 0.839 0.935 0.906 0.936 Y 75 F 0.839 0.935 0.906 0.936 Y 76 F 0.839 0.935 0.906 0.936 Y 77 F 0.839 0.935 0.906 0.936 Y 78 F 0.839 0.935 0.906 0.936 Y 79 F 0.839 0.935 0.906 0.936 Y 80 F 0.839 0.935 0.906 0.936 Y 81 F 0.839 0.935 0.906 0.936 Y 82 F 0.839 0.935 0.906 0.936 Y 83 F 0.839 0.935 0.906 0.936 Y 84 F 0.839 0.935 0.906 0.936 Y 85 F 0.839 0.935 0.906 0.936 N 16 F 1.337 1.161 1.214 1.157 N 17 F 1.337 1.161 1.214 1.157 N 18 F 1.337 1.161 1.214 1.157 N 19 F 1.337 1.161 1.214 1.157 N 20 F 1.337 1.161 1.214 1.157 N 21 F 1.337 1.161 1.214 1.157 N 22 F 1.337 1.161 1.214 1.157 N 23 F 1.337 1.161 1.214 1.157 N 24 F 1.337 1.161 1.214 1.157 N 25 F 1.337 1.161 1.214 1.157 N 26 F 1.337 1.161 1.214 1.157 N 27 F 1.337 1.161 1.214 1.157 N 28 F 1.337 1.161 1.214 1.157 N 29 F 1.337 1.161 1.214 1.157 N 30 F 1.337 1.161 1.214 1.157 N 31 F 1.337 1.161 1.214 1.157 N 32 F 1.337 1.161 1.214 1.157 N 33 F 1.337 1.161 1.214 1.157 N 34 F 1.337 1.161 1.214 1.157 N 35 F 1.337 1.161 1.214 1.157 N 36 F 1.337 1.161 1.214 1.157 N 37 F 1.337 1.161 1.214 1.157 N 38 F 1.337 1.161 1.214 1.157 N 39 F 1.337 1.161 1.214 1.157 N 40 F 1.337 1.161 1.214 1.157 N 41 F 1.337 1.161 1.214 1.157 N 42 F 1.337 1.161 1.214 1.157 N 43 F 1.337 1.161 1.214 1.157 N 44 F 1.337 1.161 1.214 1.157 N 45 F 1.337 1.161 1.214 1.157 N 46 F 1.337 1.161 1.214 1.157 N 47 F 1.337 1.161 1.214 1.157 N 48 F 1.337 1.161 1.214 1.157 N 49 F 1.337 1.161 1.214 1.157 N 50 F 1.337 1.161 1.214 1.157 N 51 F 1.337 1.161 1.214 1.157 N 52 F 1.337 1.161 1.214 1.157 N 53 F 1.337 1.161 1.214 1.157




Married Age Gender Liab Other Comp Coll N 54 F 1.337 1.161 1.214 1.157 N 55 F 1.337 1.161 1.214 1.157 N 56 F 1.337 1.161 1.214 1.157 N 57 F 1.337 1.161 1.214 1.157 N 58 F 1.337 1.161 1.214 1.157 N 59 F 1.337 1.161 1.214 1.157 N 60 F 1.337 1.161 1.214 1.157 N 61 F 1.337 1.161 1.214 1.157 N 62 F 1.337 1.161 1.214 1.157 N 63 F 1.337 1.161 1.214 1.157 N 64 F 1.337 1.161 1.214 1.157 N 65 F 1.337 1.161 1.214 1.157 N 66 F 1.337 1.161 1.214 1.157 N 67 F 1.337 1.161 1.214 1.157 N 68 F 1.337 1.161 1.214 1.157 N 69 F 1.337 1.161 1.214 1.157 N 70 F 1.337 1.161 1.214 1.157 N 71 F 1.337 1.161 1.214 1.157 N 72 F 1.337 1.161 1.214 1.157 N 73 F 1.337 1.161 1.214 1.157 N 74 F 1.337 1.161 1.214 1.157 N 75 F 1.337 1.161 1.214 1.157 N 76 F 1.337 1.161 1.214 1.157 N 77 F 1.337 1.161 1.214 1.157 N 78 F 1.337 1.161 1.214 1.157 N 79 F 1.337 1.161 1.214 1.157 N 80 F 1.337 1.161 1.214 1.157 N 81 F 1.337 1.161 1.214 1.157 N 82 F 1.337 1.161 1.214 1.157 N 83 F 1.337 1.161 1.214 1.157 N 84 F 1.337 1.161 1.214 1.157 N 85 F 1.337 1.161 1.214 1.157




Account Factor – Motorcycles Account Rating Factors

1. Look up Car Driver factor by coverage 2. Look up Advance Quote Discount by coverage 3. Look up Prior Collision factor by coverage 4. Look up Prior Liability factor by coverage 5. Look up Prior Carrier factor by coverage 6. Take product of Steps 1 through 5 and round to 3 decimals to get Account Factor

Car Driver Factor

Cars Drivers Liab Other Comp Coll 1 1 1.000 1.000 1.000 1.000 1 2 1.000 1.000 1.000 1.000 1 3 1.000 1.000 1.000 1.000 1 4 1.000 1.000 1.000 1.000 2 1 1.000 1.000 1.000 1.000 2 2 1.000 1.000 1.000 1.000 2 3 1.000 1.000 1.000 1.000 2 4 1.000 1.000 1.000 1.000 3 1 1.000 1.000 1.000 1.000 3 2 1.000 1.000 1.000 1.000 3 3 1.000 1.000 1.000 1.000 3 4 1.000 1.000 1.000 1.000 4 1 1.000 1.000 1.000 1.000 4 2 1.000 1.000 1.000 1.000 4 3 1.000 1.000 1.000 1.000 4 4 1.000 1.000 1.000 1.000

Advance Quote Discount Factor

Advance Quote Liab Other Comp Coll Advance Quote Discount does not apply 1.000 1.000 1.000 1.000 Advance Quote Discount 0.942 0.849 0.985 0.854

Prior Collision Factor

Prior Collision Liab Other Comp Coll Prior Collision Discount does not apply 1.000 1.000 1.000 1.000 Prior Collision Discount 1.000 0.933 0.922 0.904

Prior Liability Factor

Prior Liability Liab Other Comp Coll Prior Liability Discount does not apply 1.000 1.000 1.000 1.000 Prior Liability Discount 1.000 1.000 0.995 1.000

Prior Liability Discount applies if the Prior Liability Limit >= $350,000 Prior Liability Limit = CSL + PD + BI (77% * Per Person + 23% * Per Accident) + PCL Limit PCL limit = $1,000,000 if PCL applies; otherwise, PCL limit = $0




Prior Carrier Factor

Prior Carrier Liab Other Comp Coll Allstate 1.000 1.000 1.000 1.000 AmFam 1.000 1.000 1.000 1.000

AIG 1.000 1.000 1.000 1.000 Farm Bureau 1.000 1.000 1.000 1.000

Farmers 1.000 1.000 1.000 1.000 Flagship 1.000 1.000 1.000 1.000 Hartford 1.000 1.000 1.000 1.000 GEICO 1.000 1.000 1.000 1.000

KFB 1.000 1.000 1.000 1.000 LibertyM 1.000 1.000 1.000 1.000

Nationwide 1.000 1.000 1.000 1.000 Progressive 1.000 1.000 1.000 1.000

Residual 1.000 1.000 1.000 1.000 Safeco 1.000 1.000 1.000 1.000

Travelers 1.000 1.000 1.000 1.000 State Farm 1.000 1.000 1.000 1.000

Other 1.000 1.000 1.000 1.000 Years with ERIE - Motorcycles

Years with ERIE Liab Other Comp Coll 0 1.000 1.000 1.000 1.000 1 0.972 0.971 0.992 0.975 2 0.953 0.946 0.987 0.956 3 0.942 0.926 0.986 0.944 4 0.931 0.906 0.984 0.933 5 0.924 0.888 0.982 0.925 6 0.921 0.875 0.982 0.921 7 0.919 0.864 0.982 0.919 8 0.918 0.854 0.982 0.918 9 0.918 0.854 0.982 0.918

10 0.918 0.850 0.982 0.918 11 0.918 0.840 0.982 0.918 12 0.918 0.836 0.982 0.918 13 0.918 0.829 0.982 0.918 14 0.918 0.823 0.982 0.918 15 0.918 0.818 0.982 0.918 16 0.918 0.812 0.982 0.918 17 0.918 0.806 0.982 0.918 18 0.918 0.802 0.982 0.918 19 0.918 0.797 0.982 0.918 20 0.918 0.793 0.982 0.918 21 0.918 0.790 0.982 0.918 22 0.918 0.787 0.982 0.918 23 0.918 0.784 0.982 0.918 24 0.918 0.781 0.982 0.918

25+ 0.918 0.779 0.982 0.918




Bike Class x Driver Age Factor - Liability

Bike Class Driver Age Chopper Harley

Cruiser Other

Cruiser Dual

Purpose Scooter Sport Sport Touring Standard Super

Sport Harley

Touring Other

Touring Unclad

Sport Other

16 2.302 1.565 1.982 2.302 2.302 2.861 2.302 2.302 2.861 2.302 2.302 2.861 2.302 17 2.302 1.565 1.982 2.302 2.302 2.861 2.302 2.302 2.861 2.302 2.302 2.861 2.302 18 2.302 1.565 1.982 2.302 2.302 2.861 2.302 2.302 2.861 2.302 2.302 2.861 2.302 19 2.302 1.565 1.982 2.302 2.302 2.861 2.302 2.302 2.861 2.302 2.302 2.861 2.302 20 2.302 1.565 1.982 2.302 2.302 2.861 2.302 2.302 2.861 2.302 2.302 2.861 2.302 21 1.822 1.272 1.594 1.822 1.822 2.472 1.822 1.822 2.472 1.822 1.822 2.472 1.822 22 1.510 1.162 1.401 1.510 1.510 2.145 1.510 1.510 2.145 1.510 1.510 2.145 1.510 23 1.303 1.072 1.245 1.303 1.303 1.874 1.303 1.303 1.874 1.303 1.303 1.874 1.303 24 1.167 1.002 1.119 1.167 1.167 1.652 1.167 1.167 1.652 1.167 1.167 1.652 1.167 25 1.079 0.949 1.024 1.079 1.079 1.472 1.079 1.079 1.472 1.079 1.079 1.472 1.079 26 1.021 0.911 0.951 1.021 1.021 1.330 1.021 1.021 1.330 1.021 1.021 1.330 1.021 27 0.988 0.885 0.899 0.988 0.988 1.218 0.988 0.988 1.218 0.988 0.988 1.218 0.988 28 0.969 0.870 0.863 0.969 0.969 1.133 0.969 0.969 1.133 0.969 0.969 1.133 0.969 29 0.961 0.863 0.841 0.961 0.961 1.071 0.961 0.961 1.071 0.961 0.961 1.071 0.961 30 0.957 0.864 0.829 0.957 0.957 1.026 0.957 0.957 1.026 0.957 0.957 1.026 0.957 31 0.953 0.869 0.828 0.953 0.953 0.998 0.953 0.953 0.998 0.953 0.953 0.998 0.953 32 0.951 0.880 0.832 0.951 0.951 0.979 0.951 0.951 0.979 0.951 0.951 0.979 0.951 33 0.947 0.893 0.841 0.947 0.947 0.970 0.947 0.947 0.970 0.947 0.947 0.970 0.947 34 0.942 0.908 0.854 0.942 0.942 0.961 0.942 0.942 0.961 0.942 0.942 0.961 0.942 35 0.939 0.923 0.869 0.939 0.939 0.951 0.939 0.939 0.951 0.939 0.939 0.951 0.939 36 0.935 0.940 0.884 0.935 0.935 0.941 0.935 0.935 0.941 0.935 0.935 0.941 0.935 37 0.931 0.955 0.900 0.931 0.931 0.932 0.931 0.931 0.932 0.931 0.931 0.932 0.931 38 0.928 0.970 0.914 0.928 0.928 0.922 0.928 0.928 0.922 0.928 0.928 0.922 0.928 39 0.925 0.983 0.927 0.925 0.925 0.922 0.925 0.925 0.922 0.925 0.925 0.922 0.925 40 0.921 0.994 0.939 0.921 0.921 0.922 0.921 0.921 0.922 0.921 0.921 0.922 0.921 41 0.919 1.009 0.949 0.919 0.919 0.922 0.919 0.919 0.922 0.919 0.919 0.922 0.919 42 0.916 1.009 0.957 0.916 0.916 0.922 0.916 0.916 0.922 0.916 0.916 0.922 0.916 43 0.915 1.009 0.963 0.915 0.915 0.922 0.915 0.915 0.922 0.915 0.915 0.922 0.915 44 0.915 1.009 0.968 0.915 0.915 0.922 0.915 0.915 0.922 0.915 0.915 0.922 0.915 45 0.914 1.009 0.970 0.914 0.914 0.922 0.914 0.914 0.922 0.914 0.914 0.922 0.914 46 0.915 1.009 0.973 0.915 0.915 0.922 0.915 0.915 0.922 0.915 0.915 0.922 0.915 47 0.916 1.009 0.974 0.916 0.916 0.922 0.916 0.916 0.922 0.916 0.916 0.922 0.916 48 0.919 1.009 0.975 0.919 0.919 0.922 0.919 0.919 0.922 0.919 0.919 0.922 0.919 49 0.923 1.009 0.975 0.923 0.923 0.922 0.923 0.923 0.922 0.923 0.923 0.922 0.923 50 0.928 1.009 0.976 0.928 0.928 0.922 0.928 0.928 0.922 0.928 0.928 0.922 0.928 51 0.934 1.009 0.979 0.934 0.934 0.922 0.934 0.934 0.922 0.934 0.934 0.922 0.934 52 0.941 1.009 0.982 0.941 0.941 0.922 0.941 0.941 0.922 0.941 0.941 0.922 0.941 53 0.950 1.009 0.988 0.950 0.950 0.922 0.950 0.950 0.922 0.950 0.950 0.922 0.950 54 0.961 1.009 0.995 0.961 0.961 0.922 0.961 0.961 0.922 0.961 0.961 0.922 0.961 55 0.972 1.009 1.005 0.972 0.972 0.922 0.972 0.972 0.922 0.972 0.972 0.922 0.972 56 0.986 1.009 1.018 0.986 0.986 0.922 0.986 0.986 0.922 0.986 0.986 0.922 0.986 57 1.002 1.009 1.032 1.002 1.002 0.922 1.002 1.002 0.922 1.002 1.002 0.922 1.002 58 1.020 1.009 1.050 1.020 1.020 0.922 1.020 1.020 0.922 1.020 1.020 0.922 1.020 59 1.041 1.009 1.070 1.041 1.041 0.922 1.041 1.041 0.922 1.041 1.041 0.922 1.041 60 1.064 1.009 1.092 1.064 1.064 0.922 1.064 1.064 0.922 1.064 1.064 0.922 1.064 61 1.090 1.009 1.117 1.090 1.090 0.922 1.090 1.090 0.922 1.090 1.090 0.922 1.090 62 1.119 1.015 1.141 1.119 1.119 0.922 1.119 1.119 0.922 1.119 1.119 0.922 1.119 63 1.151 1.046 1.167 1.151 1.151 0.922 1.151 1.151 0.922 1.151 1.151 0.922 1.151 64 1.188 1.086 1.191 1.188 1.188 0.922 1.188 1.188 0.922 1.188 1.188 0.922 1.188

65+ 1.229 1.134 1.214 1.229 1.229 0.922 1.229 1.229 0.922 1.229 1.229 0.922 1.229




Bike Class x Driver Age Factor - Other

Bike Class

Driver Age Chopper Harley Cruiser

Other Cruiser

Dual Purpose Scooter Sport Sport

Touring Standard Super Sport

Harley Touring

Other Touring

Unclad Sport Other

16 2.582 2.330 2.582 2.582 2.582 3.353 2.582 2.582 3.353 2.582 2.582 3.353 2.582 17 2.582 2.330 2.582 2.582 2.582 3.353 2.582 2.582 3.353 2.582 2.582 3.353 2.582 18 2.582 2.330 2.582 2.582 2.582 3.353 2.582 2.582 3.353 2.582 2.582 3.353 2.582 19 2.100 1.912 2.100 2.100 2.100 2.761 2.100 2.100 2.761 2.100 2.100 2.761 2.100 20 1.759 1.625 1.759 1.759 1.759 2.344 1.759 1.759 2.344 1.759 1.759 2.344 1.759 21 1.516 1.404 1.516 1.516 1.516 2.013 1.516 1.516 2.013 1.516 1.516 2.013 1.516 22 1.339 1.236 1.339 1.339 1.339 1.752 1.339 1.339 1.752 1.339 1.339 1.752 1.339 23 1.210 1.110 1.210 1.210 1.210 1.550 1.210 1.210 1.550 1.210 1.210 1.550 1.210 24 1.116 1.020 1.116 1.116 1.116 1.394 1.116 1.116 1.394 1.116 1.116 1.394 1.116 25 1.047 0.957 1.047 1.047 1.047 1.276 1.047 1.047 1.276 1.047 1.047 1.276 1.047 26 0.997 0.915 0.997 0.997 0.997 1.188 0.997 0.997 1.188 0.997 0.997 1.188 0.997 27 0.960 0.890 0.960 0.960 0.960 1.122 0.960 0.960 1.122 0.960 0.960 1.122 0.960 28 0.935 0.874 0.935 0.935 0.935 1.074 0.935 0.935 1.074 0.935 0.935 1.074 0.935 29 0.917 0.867 0.917 0.917 0.917 1.039 0.917 0.917 1.039 0.917 0.917 1.039 0.917 30 0.905 0.866 0.905 0.905 0.905 1.013 0.905 0.905 1.013 0.905 0.905 1.013 0.905 31 0.894 0.868 0.894 0.894 0.894 0.995 0.894 0.894 0.995 0.894 0.894 0.995 0.894 32 0.886 0.873 0.886 0.886 0.886 0.981 0.886 0.886 0.981 0.886 0.886 0.981 0.886 33 0.880 0.877 0.880 0.880 0.880 0.969 0.880 0.880 0.969 0.880 0.880 0.969 0.880 34 0.875 0.883 0.875 0.875 0.875 0.960 0.875 0.875 0.960 0.875 0.875 0.960 0.875 35 0.873 0.888 0.873 0.873 0.873 0.952 0.873 0.873 0.952 0.873 0.873 0.952 0.873 36 0.872 0.893 0.872 0.872 0.872 0.944 0.872 0.872 0.944 0.872 0.872 0.944 0.872 37 0.873 0.897 0.873 0.873 0.873 0.939 0.873 0.873 0.939 0.873 0.873 0.939 0.873 38 0.875 0.903 0.875 0.875 0.875 0.933 0.875 0.875 0.933 0.875 0.875 0.933 0.875 39 0.879 0.908 0.879 0.879 0.879 0.929 0.879 0.879 0.929 0.879 0.879 0.929 0.879 40 0.883 0.913 0.883 0.883 0.883 0.925 0.883 0.883 0.925 0.883 0.883 0.925 0.883 41 0.889 0.920 0.889 0.889 0.889 0.922 0.889 0.889 0.922 0.889 0.889 0.922 0.889 42 0.896 0.928 0.896 0.896 0.896 0.922 0.896 0.896 0.922 0.896 0.896 0.922 0.896 43 0.904 0.936 0.904 0.904 0.904 0.922 0.904 0.904 0.922 0.904 0.904 0.922 0.904 44 0.911 0.946 0.911 0.911 0.911 0.925 0.911 0.911 0.925 0.911 0.911 0.925 0.911 45 0.922 0.956 0.922 0.922 0.922 0.929 0.922 0.922 0.929 0.922 0.922 0.929 0.922 46 0.932 0.968 0.932 0.932 0.932 0.933 0.932 0.932 0.933 0.932 0.932 0.933 0.932 47 0.943 0.980 0.943 0.943 0.943 0.939 0.943 0.943 0.939 0.943 0.943 0.939 0.943 48 0.955 0.993 0.955 0.955 0.955 0.946 0.955 0.955 0.946 0.955 0.955 0.946 0.955 49 0.967 1.006 0.967 0.967 0.967 0.952 0.967 0.967 0.952 0.967 0.967 0.952 0.967 50 0.980 1.018 0.980 0.980 0.980 0.958 0.980 0.980 0.958 0.980 0.980 0.958 0.980 51 0.992 1.029 0.992 0.992 0.992 0.964 0.992 0.992 0.964 0.992 0.992 0.964 0.992 52 1.006 1.038 1.006 1.006 1.006 0.968 1.006 1.006 0.968 1.006 1.006 0.968 1.006 53 1.018 1.046 1.018 1.018 1.018 0.970 1.018 1.018 0.970 1.018 1.018 0.970 1.018 54 1.032 1.052 1.032 1.032 1.032 0.973 1.032 1.032 0.973 1.032 1.032 0.973 1.032 55 1.044 1.054 1.044 1.044 1.044 0.973 1.044 1.044 0.973 1.044 1.044 0.973 1.044 56 1.058 1.055 1.058 1.058 1.058 0.973 1.058 1.058 0.973 1.058 1.058 0.973 1.058 57 1.069 1.060 1.069 1.069 1.069 0.973 1.069 1.069 0.973 1.069 1.069 0.973 1.069 58 1.082 1.063 1.082 1.082 1.082 0.973 1.082 1.082 0.973 1.082 1.082 0.973 1.082 59 1.092 1.065 1.092 1.092 1.092 0.973 1.092 1.092 0.973 1.092 1.092 0.973 1.092 60 1.102 1.069 1.102 1.102 1.102 0.973 1.102 1.102 0.973 1.102 1.102 0.973 1.102 61 1.111 1.071 1.111 1.111 1.111 0.973 1.111 1.111 0.973 1.111 1.111 0.973 1.111 62 1.119 1.074 1.119 1.119 1.119 0.973 1.119 1.119 0.973 1.119 1.119 0.973 1.119 63 1.126 1.077 1.126 1.126 1.126 0.973 1.126 1.126 0.973 1.126 1.126 0.973 1.126 64 1.132 1.080 1.132 1.132 1.132 0.973 1.132 1.132 0.973 1.132 1.132 0.973 1.132

65+ 1.135 1.082 1.135 1.135 1.135 0.973 1.135 1.135 0.973 1.135 1.135 0.973 1.135




Bike Class x Driver Age Factor - Comprehensive


Cruiser Other

Cruiser Dual


Sport Harley

Touring Other

Touring Unclad

Sport Other

16 1.962 2.334 2.334 3.383 3.383 1.962 2.334 1.962 2.334 1.962 1.962 2.334 2.334 17 1.962 2.334 2.334 3.383 3.383 1.962 2.334 1.962 2.334 1.962 1.962 2.334 2.334 18 1.962 2.334 2.334 3.383 3.383 1.962 2.334 1.962 2.334 1.962 1.962 2.334 2.334 19 1.962 2.334 2.334 3.383 3.383 1.962 2.334 1.962 2.334 1.962 1.962 2.334 2.334 20 1.962 2.334 2.334 3.383 3.383 1.962 2.334 1.962 2.334 1.962 1.962 2.334 2.334 21 1.962 2.334 2.334 3.383 3.383 1.962 2.334 1.962 2.334 1.962 1.962 2.334 2.334 22 1.816 2.190 2.190 2.932 2.932 1.816 2.190 1.816 2.190 1.816 1.816 2.190 2.190 23 1.760 2.061 2.061 2.714 2.714 1.760 2.061 1.760 2.061 1.760 1.760 2.061 2.061 24 1.705 1.944 1.944 2.512 2.512 1.705 1.944 1.705 1.944 1.705 1.705 1.944 1.944 25 1.653 1.839 1.839 2.324 2.324 1.653 1.839 1.653 1.839 1.653 1.653 1.839 1.839 26 1.603 1.744 1.744 2.149 2.149 1.603 1.744 1.603 1.744 1.603 1.603 1.744 1.744 27 1.555 1.658 1.658 1.988 1.988 1.555 1.658 1.555 1.658 1.555 1.555 1.658 1.658 28 1.508 1.580 1.580 1.841 1.841 1.508 1.580 1.508 1.580 1.508 1.508 1.580 1.580 29 1.463 1.509 1.509 1.705 1.705 1.463 1.509 1.463 1.509 1.463 1.463 1.509 1.509 30 1.420 1.444 1.444 1.615 1.615 1.420 1.444 1.420 1.444 1.420 1.420 1.444 1.444 31 1.378 1.385 1.385 1.533 1.533 1.378 1.385 1.378 1.385 1.378 1.378 1.385 1.385 32 1.338 1.331 1.331 1.458 1.458 1.338 1.331 1.338 1.331 1.338 1.338 1.331 1.331 33 1.300 1.282 1.282 1.392 1.392 1.300 1.282 1.300 1.282 1.300 1.300 1.282 1.282 34 1.263 1.237 1.237 1.332 1.332 1.263 1.237 1.263 1.237 1.263 1.263 1.237 1.237 35 1.228 1.197 1.197 1.265 1.265 1.228 1.197 1.228 1.197 1.228 1.228 1.197 1.197 36 1.195 1.158 1.158 1.206 1.206 1.195 1.158 1.195 1.158 1.195 1.195 1.158 1.158 37 1.163 1.124 1.124 1.152 1.152 1.163 1.124 1.163 1.124 1.163 1.163 1.124 1.124 38 1.132 1.092 1.092 1.104 1.104 1.132 1.092 1.132 1.092 1.132 1.132 1.092 1.092 39 1.103 1.063 1.063 1.059 1.059 1.103 1.063 1.103 1.063 1.103 1.103 1.063 1.063 40 1.075 1.036 1.036 1.019 1.019 1.075 1.036 1.075 1.036 1.075 1.075 1.036 1.036 41 1.048 1.011 1.011 0.982 0.982 1.048 1.011 1.048 1.011 1.048 1.048 1.011 1.011 42 1.023 0.988 0.988 0.949 0.949 1.023 0.988 1.023 0.988 1.023 1.023 0.988 0.988 43 0.999 0.966 0.966 0.918 0.918 0.999 0.966 0.999 0.966 0.999 0.999 0.966 0.966 44 0.976 0.946 0.946 0.890 0.890 0.976 0.946 0.976 0.946 0.976 0.976 0.946 0.946 45 0.955 0.928 0.928 0.864 0.864 0.955 0.928 0.955 0.928 0.955 0.955 0.928 0.928 46 0.934 0.911 0.911 0.840 0.840 0.934 0.911 0.934 0.911 0.934 0.934 0.911 0.911 47 0.915 0.894 0.894 0.818 0.818 0.915 0.894 0.915 0.894 0.915 0.915 0.894 0.894 48 0.896 0.880 0.880 0.801 0.801 0.896 0.880 0.896 0.880 0.896 0.896 0.880 0.880 49 0.879 0.865 0.865 0.784 0.784 0.879 0.865 0.879 0.865 0.879 0.879 0.865 0.865 50 0.863 0.852 0.852 0.769 0.769 0.863 0.852 0.863 0.852 0.863 0.863 0.852 0.852 51 0.848 0.839 0.839 0.755 0.755 0.848 0.839 0.848 0.839 0.848 0.848 0.839 0.839 52 0.833 0.827 0.827 0.741 0.741 0.833 0.827 0.833 0.827 0.833 0.833 0.827 0.827 53 0.820 0.815 0.815 0.729 0.729 0.820 0.815 0.820 0.815 0.820 0.820 0.815 0.815 54 0.808 0.804 0.804 0.716 0.716 0.808 0.804 0.808 0.804 0.808 0.808 0.804 0.804 55 0.796 0.793 0.793 0.690 0.690 0.796 0.793 0.796 0.793 0.796 0.796 0.793 0.793 56 0.785 0.783 0.783 0.681 0.681 0.785 0.783 0.785 0.783 0.785 0.785 0.783 0.783 57 0.774 0.772 0.772 0.672 0.672 0.774 0.772 0.774 0.772 0.774 0.774 0.772 0.772 58 0.765 0.763 0.763 0.663 0.663 0.765 0.763 0.765 0.763 0.765 0.765 0.763 0.763 59 0.756 0.753 0.753 0.655 0.655 0.756 0.753 0.756 0.753 0.756 0.756 0.753 0.753 60 0.748 0.743 0.743 0.646 0.646 0.748 0.743 0.748 0.743 0.748 0.748 0.743 0.743 61 0.741 0.733 0.733 0.637 0.637 0.741 0.733 0.741 0.733 0.741 0.741 0.733 0.733 62 0.734 0.722 0.722 0.629 0.629 0.734 0.722 0.734 0.722 0.734 0.734 0.722 0.722 63 0.727 0.713 0.713 0.620 0.620 0.727 0.713 0.727 0.713 0.727 0.727 0.713 0.713 64 0.721 0.702 0.702 0.611 0.611 0.721 0.702 0.721 0.702 0.721 0.721 0.702 0.702

65+ 0.716 0.692 0.692 0.602 0.602 0.716 0.692 0.716 0.692 0.716 0.716 0.692 0.692




Bike Class x Driver Age Factor - Collision


Cruiser Other

Cruiser Dual


Sport Harley

Touring Other

Touring Unclad

Sport Other

16 3.323 2.746 2.746 3.323 3.323 3.261 3.323 3.323 3.414 3.323 3.323 4.419 3.323 17 3.323 2.746 2.746 3.323 3.323 3.261 3.323 3.323 3.414 3.323 3.323 4.419 3.323 18 3.323 2.746 2.746 3.323 3.323 3.261 3.323 3.323 3.414 3.323 3.323 4.419 3.323 19 3.323 2.746 2.746 3.323 3.323 3.261 3.323 3.323 3.414 3.323 3.323 4.419 3.323 20 3.323 2.746 2.746 3.323 3.323 3.261 3.323 3.323 3.414 3.323 3.323 4.419 3.323 21 2.674 2.209 2.209 2.674 2.674 2.624 2.674 2.674 2.747 2.674 2.674 3.555 2.674 22 2.227 1.855 1.855 2.227 2.227 2.204 2.227 2.227 2.287 2.227 2.227 2.961 2.227 23 1.914 1.614 1.614 1.914 1.914 1.912 1.914 1.914 1.967 1.914 1.914 2.545 1.914 24 1.692 1.466 1.466 1.692 1.692 1.722 1.692 1.692 1.728 1.692 1.692 2.212 1.692 25 1.531 1.387 1.387 1.531 1.531 1.603 1.531 1.531 1.558 1.531 1.531 1.974 1.531 26 1.414 1.353 1.353 1.414 1.414 1.528 1.414 1.414 1.438 1.414 1.414 1.796 1.414 27 1.330 1.315 1.315 1.330 1.330 1.476 1.330 1.330 1.351 1.330 1.330 1.655 1.330 28 1.266 1.252 1.252 1.266 1.266 1.434 1.266 1.266 1.283 1.266 1.266 1.539 1.266 29 1.217 1.204 1.204 1.217 1.217 1.392 1.217 1.217 1.227 1.217 1.217 1.434 1.217 30 1.177 1.175 1.175 1.177 1.177 1.342 1.177 1.177 1.175 1.177 1.177 1.336 1.177 31 1.142 1.139 1.139 1.142 1.142 1.284 1.142 1.142 1.127 1.142 1.142 1.241 1.142 32 1.110 1.108 1.108 1.110 1.110 1.218 1.110 1.110 1.083 1.110 1.110 1.153 1.110 33 1.081 1.079 1.079 1.081 1.081 1.151 1.081 1.081 1.046 1.081 1.081 1.074 1.081 34 1.055 1.053 1.053 1.055 1.055 1.088 1.055 1.055 1.017 1.055 1.055 1.012 1.055 35 1.032 1.041 1.041 1.032 1.032 1.035 1.032 1.032 0.999 1.032 1.032 0.968 1.032 36 1.011 1.029 1.029 1.011 1.011 0.996 1.011 1.011 0.990 1.011 1.011 0.945 1.011 37 0.993 1.010 1.010 0.993 0.993 0.969 0.993 0.993 0.983 0.993 0.993 0.937 0.993 38 0.977 0.993 0.993 0.977 0.977 0.954 0.977 0.977 0.977 0.977 0.977 0.921 0.977 39 0.962 0.979 0.979 0.962 0.962 0.940 0.962 0.962 0.963 0.962 0.962 0.908 0.962 40 0.950 0.966 0.966 0.950 0.950 0.927 0.950 0.950 0.950 0.950 0.950 0.896 0.950 41 0.939 0.955 0.955 0.939 0.939 0.916 0.939 0.939 0.939 0.939 0.939 0.886 0.939 42 0.930 0.946 0.946 0.930 0.930 0.908 0.930 0.930 0.930 0.930 0.930 0.877 0.930 43 0.922 0.938 0.938 0.922 0.922 0.899 0.922 0.922 0.923 0.922 0.922 0.870 0.922 44 0.916 0.931 0.931 0.916 0.916 0.894 0.916 0.916 0.916 0.916 0.916 0.863 0.916 45 0.910 0.925 0.925 0.910 0.910 0.888 0.910 0.910 0.910 0.910 0.910 0.858 0.910 46 0.905 0.921 0.921 0.905 0.905 0.884 0.905 0.905 0.906 0.905 0.905 0.854 0.905 47 0.903 0.918 0.918 0.903 0.903 0.881 0.903 0.903 0.902 0.903 0.903 0.851 0.903 48 0.901 0.915 0.915 0.901 0.901 0.878 0.901 0.901 0.901 0.901 0.901 0.850 0.901 49 0.898 0.914 0.914 0.898 0.898 0.877 0.898 0.898 0.899 0.898 0.898 0.848 0.898 50 0.898 0.913 0.913 0.898 0.898 0.877 0.898 0.898 0.898 0.898 0.898 0.847 0.898 51 0.898 0.913 0.913 0.898 0.898 0.877 0.898 0.898 0.898 0.898 0.898 0.847 0.898 52 0.900 0.914 0.914 0.900 0.900 0.877 0.900 0.900 0.899 0.900 0.900 0.848 0.900 53 0.901 0.916 0.916 0.901 0.901 0.878 0.901 0.901 0.901 0.901 0.901 0.850 0.901 54 0.903 0.918 0.918 0.903 0.903 0.881 0.903 0.903 0.902 0.903 0.903 0.851 0.903 55 0.905 0.920 0.920 0.905 0.905 0.884 0.905 0.905 0.905 0.905 0.905 0.854 0.905 56 0.908 0.923 0.923 0.908 0.908 0.887 0.908 0.908 0.907 0.908 0.908 0.857 0.908 57 0.911 0.927 0.927 0.911 0.911 0.890 0.911 0.911 0.912 0.911 0.911 0.860 0.911 58 0.914 0.930 0.930 0.914 0.914 0.892 0.914 0.914 0.914 0.914 0.914 0.863 0.914 59 0.919 0.934 0.934 0.919 0.919 0.897 0.919 0.919 0.919 0.919 0.919 0.866 0.919 60 0.922 0.938 0.938 0.922 0.922 0.901 0.922 0.922 0.923 0.922 0.922 0.870 0.922 61 0.927 0.942 0.942 0.927 0.927 0.905 0.927 0.927 0.927 0.927 0.927 0.874 0.927 62 0.930 0.946 0.946 0.930 0.930 0.908 0.930 0.930 0.931 0.930 0.930 0.877 0.930 63 0.935 0.951 0.951 0.935 0.935 0.912 0.935 0.935 0.935 0.935 0.935 0.882 0.935 64 0.938 0.955 0.955 0.938 0.938 0.916 0.938 0.938 0.939 0.938 0.938 0.885 0.938

65+ 0.942 0.958 0.958 0.942 0.942 0.920 0.942 0.942 0.942 0.942 0.942 0.889 0.942




Bike Class x Bike Age Factor - Liability

Bike Class Bike Age Chopper

Harley Cruiser

Other Cruiser

Dual Purpose Scooter Sport

Sport Touring Standard

Super Sport

Harley Touring

Other Touring

Unclad Sport Other

0 1.707 1.707 1.707 1.707 1.707 2.095 1.707 1.707 2.095 1.516 1.516 2.095 1.707 1 1.294 1.294 1.294 1.294 1.294 1.443 1.294 1.294 1.443 1.269 1.269 1.443 1.294 2 1.083 1.083 1.083 1.083 1.083 1.127 1.083 1.083 1.127 1.097 1.097 1.127 1.083 3 0.974 0.974 0.974 0.974 0.974 0.946 0.974 0.974 0.946 0.989 0.989 0.946 0.974 4 0.913 0.913 0.913 0.913 0.913 0.826 0.913 0.913 0.826 0.913 0.913 0.826 0.913 5 0.868 0.868 0.868 0.868 0.868 0.739 0.868 0.868 0.739 0.856 0.856 0.739 0.868 6 0.812 0.812 0.812 0.812 0.812 0.673 0.812 0.812 0.673 0.809 0.809 0.673 0.812 7 0.727 0.727 0.727 0.727 0.727 0.620 0.727 0.727 0.620 0.772 0.772 0.620 0.727 8 0.606 0.606 0.606 0.606 0.606 0.577 0.606 0.606 0.577 0.740 0.740 0.577 0.606 9 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455

10 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 11 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 12 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 13 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 14 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 15 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 16 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 17 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 18 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 19 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455

20+ 0.455 0.455 0.455 0.455 0.455 0.542 0.455 0.455 0.542 0.712 0.712 0.542 0.455 Bike Class x Bike Age Factor - Other

Bike Class Bike Age Chopper Harley

Cruiser Other

Cruiser Dual


Sport Harley

Touring Other

Touring Unclad Sport Other

0 1.810 1.810 1.810 1.810 1.810 1.810 1.810 1.810 1.810 1.403 1.810 1.810 1.810 1 1.363 1.363 1.363 1.363 1.363 1.363 1.363 1.363 1.363 1.207 1.363 1.363 1.363 2 1.109 1.109 1.109 1.109 1.109 1.109 1.109 1.109 1.109 1.089 1.109 1.109 1.109 3 0.962 0.962 0.962 0.962 0.962 0.962 0.962 0.962 0.962 1.000 0.962 0.962 0.962 4 0.877 0.877 0.877 0.877 0.877 0.877 0.877 0.877 0.877 0.938 0.877 0.877 0.877 5 0.829 0.829 0.829 0.829 0.829 0.829 0.829 0.829 0.829 0.896 0.829 0.829 0.829 6 0.801 0.801 0.801 0.801 0.801 0.801 0.801 0.801 0.801 0.870 0.801 0.801 0.801 7 0.779 0.779 0.779 0.779 0.779 0.779 0.779 0.779 0.779 0.856 0.779 0.779 0.779 8 0.753 0.753 0.753 0.753 0.753 0.753 0.753 0.753 0.753 0.849 0.753 0.753 0.753 9 0.713 0.713 0.713 0.713 0.713 0.713 0.713 0.713 0.713 0.846 0.713 0.713 0.713 10 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 11 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 12 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 13 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 14 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 15 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 16 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 17 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 18 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652 19 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652

20+ 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.652 0.846 0.652 0.652 0.652




Bike Class x Bike Age Factor – Comprehensive


Harley Cruiser

Other Cruiser



Super Sport

Harley Touring

Other Touring

Unclad Sport Other

0 1.984 1.543 1.543 1.984 1.984 2.401 1.984 1.984 2.401 1.543 1.543 1.984 1.984 1 1.544 1.347 1.347 1.544 1.544 1.788 1.544 1.544 1.788 1.347 1.347 1.544 1.544 2 1.234 1.177 1.177 1.234 1.234 1.321 1.234 1.234 1.321 1.177 1.177 1.234 1.234 3 1.012 1.035 1.035 1.012 1.012 1.026 1.012 1.012 1.026 1.035 1.035 1.012 1.012 4 0.854 0.920 0.920 0.854 0.854 0.788 0.854 0.854 0.788 0.920 0.920 0.854 0.854 5 0.741 0.831 0.831 0.741 0.741 0.639 0.741 0.741 0.639 0.831 0.831 0.741 0.741 6 0.661 0.769 0.769 0.661 0.661 0.514 0.661 0.661 0.514 0.769 0.769 0.661 0.661 7 0.608 0.733 0.733 0.608 0.608 0.467 0.608 0.608 0.467 0.733 0.733 0.608 0.608 8 0.577 0.726 0.726 0.577 0.577 0.386 0.577 0.577 0.386 0.726 0.726 0.577 0.577 9 0.570 0.726 0.726 0.570 0.570 0.347 0.570 0.570 0.347 0.726 0.726 0.570 0.570

10 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 11 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 12 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 13 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 14 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 15 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 16 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 17 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 18 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 19 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570

20+ 0.570 0.726 0.726 0.570 0.570 0.266 0.570 0.570 0.266 0.726 0.726 0.570 0.570 Bike Class x Bike Age Factor – Collision


Harley Cruiser

Other Cruiser



Super Sport

Harley Touring

Other Touring

Unclad Sport Other

0 2.426 2.145 2.587 2.426 2.426 3.107 2.426 2.426 3.107 1.726 1.726 3.107 2.426 1 1.588 1.453 1.590 1.588 1.588 1.758 1.588 1.588 1.758 1.348 1.348 1.758 1.588 2 1.151 1.104 1.176 1.151 1.151 1.133 1.151 1.151 1.133 1.175 1.175 1.133 1.151 3 0.911 0.949 0.894 0.911 0.911 0.864 0.911 0.911 0.864 1.001 1.001 0.864 0.911 4 0.770 0.823 0.742 0.770 0.770 0.669 0.770 0.770 0.669 0.889 0.889 0.669 0.770 5 0.685 0.770 0.667 0.685 0.685 0.576 0.685 0.685 0.576 0.816 0.816 0.576 0.685 6 0.617 0.673 0.595 0.617 0.617 0.518 0.617 0.617 0.518 0.717 0.717 0.518 0.617 7 0.573 0.659 0.556 0.573 0.573 0.439 0.573 0.573 0.439 0.710 0.710 0.439 0.573 8 0.529 0.629 0.474 0.529 0.529 0.388 0.529 0.529 0.388 0.634 0.634 0.388 0.529 9 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445

10 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 11 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 12 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 13 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 14 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 15 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 16 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 17 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 18 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445 19 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445

20+ 0.445 0.542 0.442 0.445 0.445 0.280 0.445 0.445 0.280 0.616 0.616 0.280 0.445




Increased Limit Factor - Motorcycles Increased Limit Factors - BI, PD, CSL, & Med Exp - Motorcycles

Limit BI Limit PD Limit CSL Limit Med Exp $15/30 0.790 $5 0.853 $35 1.053 $1 0.246 $20/40 0.910 $10 0.914 $100 1.490 $2 0.440 $25/50 1.000 $25 1.000 $300 1.850 $5 1.000 $50/100 1.290 $50 1.070 $500 2.170 $10 1.870 $100/100 1.490 $100 1.145 $750 2.317 $25 4.005 $100/300 1.640 $200 1.226 $1,000 2.435 $300/300 1.850 $250 1.253 $250/500 1.850 $300 1.276 $300/500 1.998 $500 1.341 $500/500 2.170 $1,000 1.436

$500/1,000 2.235 $1,000/1,000 2.435

Note: All limits are in thousands.

Increased Limit Factors - UM BI & UIM BI - Motorcycles

Uninsured Motorist BI Underinsured Motorist BI

Limit Unstacked Stacked


Stacked 3 Cars

Stacked 4+ Cars Unstacked

Stacked 1 Car

Stacked 2 Cars

Stacked 3 Cars

Stacked 4+ Cars

$15/30 0.530 0.540 0.651 0.758 0.840 0.530 0.540 0.651 0.758 0.840 $20/40 0.610 0.622 0.763 0.871 0.953 0.610 0.622 0.763 0.871 0.953 $25/50 0.690 0.704 0.888 1.008 1.147 0.690 0.704 0.888 1.008 1.147 $50/100 1.000 1.020 1.240 1.394 1.484 1.000 1.020 1.240 1.394 1.484 $100/100 1.300 1.326 1.600 1.726 1.811 1.300 1.326 1.600 1.726 1.811 $100/300 1.590 1.621 1.819 1.919 1.975 1.590 1.621 1.819 1.919 1.975 $300/300 2.330 2.376 2.549 2.620 2.686 2.330 2.376 2.549 2.620 2.686 $250/500 2.360 2.407 2.552 2.619 2.686 2.360 2.407 2.552 2.619 2.686 $300/500 2.511 2.561 2.695 2.768 2.845 2.511 2.561 2.695 2.768 2.845 $500/500 3.050 3.110 3.269 3.395 3.484 3.050 3.110 3.269 3.395 3.484

$500/1,000 3.411 3.478 3.648 3.782 3.878 3.411 3.478 3.648 3.782 3.878 $1,000/1,000 4.420 4.507 4.785 4.948 5.063 4.420 4.507 4.785 4.948 5.063

Increased Limit Factors - UM CSL & UIM CSL – Motorcycles

Limit Uninsured Motorist CSL Underinsured Motorist CSL

Unstacked Stacked 1 Car

Stacked 2 Cars

Stacked 3 Cars

Stacked 4+ Cars Unstacked Stacked


Stacked 3 Cars

Stacked 4+ Cars

$35,000 0.741 0.752 0.890 1.011 1.150 0.741 0.752 0.890 1.011 1.150 100,000 1.300 1.326 1.600 1.726 1.811 1.300 1.326 1.600 1.726 1.811 300,000 2.330 2.376 2.549 2.620 2.686 2.330 2.376 2.549 2.620 2.686 500,000 3.050 3.110 3.269 3.395 3.484 3.050 3.110 3.269 3.395 3.484 750,000 3.792 3.809 4.027 4.172 4.274 3.792 3.809 4.027 4.172 4.274

1,000,000 4.420 4.507 4.785 4.948 5.063 4.420 4.507 4.785 4.948 5.063




Deductible Factor - Motorcycles

Deductible Comp Deductible Coll No Ded 1.683 * 100 1.540

$50 1.270 150 1.410 $100 1.150 200 1.310 $150 1.080 250 1.240 $200 1.040 500 1.000 $250 1.000 1000 0.750 $500 0.890 $1,500 0.600

$1,000 0.770 $2,000 0.480 $1,500 0.700 $2,500 0.380 $2,000 0.660 $5,000 0.330 $2,500 0.620 $10,000 0.280 $5,000 0.506 $10,000 0.392

* This deductible may not be written in the Company Accident Prevention Course Discount Factor - Motorcycles

Accident Prevention Course Factor Accident Prevention Course Discount does not apply 1.000 Accident Prevention Course Discount 0.950




Motorcycle Accessories and Safety Riding Equipment Optional coverage added to final premium based on coverage amount selected.

Accessory Coverage Comp Coll $3,000 0 0 $4,000 7 7 $5,000 13 13 $6,000 20 20 $7,000 26 26 $8,000 36 36 $9,000 43 43 $10,000 50 50 $11,000 57 57 $12,000 64 64 $13,000 72 72 $14,000 79 79 $15,000 86 86 $16,000 98 98 $17,000 110 110 $18,000 118 118 $19,000 126 126 $20,000 134 134 $21,000 141 141 $22,000 145 145 $23,000 149 149 $24,000 153 153 $25,000 157 157 $26,000 161 161 $27,000 165 165 $28,000 169 169 $29,000 173 173 $30,000 176 176 $35,000 195 195 $40,000 215 215 $45,000 237 237 $50,000 262 262




OFF-ROAD VEHICLE RATES

ORDER OF CALCULATION - OFF-ROAD VEHICLES

Use only those steps which are applicable. Round after each step. BI, PD & CSL Calculation - Off-Road

1. Exchange or Company Base Rate for Snowmobile or Other Off-Road Vehicle. 2. Multiply by PPA Increased Limit Factor. 3. Multiply by PPA Accident Prevention Course Discount Factor (Age 55 or Over). 4. Multiply by PPA Multi-Policy Discount Factor. 5. Multiply by PPA BI/PD Tier Factor. 6. Multiply by PPA Pay Plan Discount Factor. 7. Multiply by Renewal Capping Factor.

UM/UIM Calculation - Off-Road

1. Exchange or Company Base Rate for Snowmobile or Other Off-Road Vehicle. 2. Multiply by PPA Increased Limit Factor. 3. Multiply by PPA Accident Prevention Course Discount (Age 55 or Over). 4. Multiply by PPA FPB/UM/UIM Tier Factor. 5. Multiply by PPA Pay Plan Discount Factor. 6. Multiply by Renewal Capping Factor.

Comp Calculation - Off-Road

1. Exchange or Company Base Rate by Phy Dam Symbol & Age Group for Snowmobile or Other Off-Road Vehicle.

2. Multiply by PPA Deductible Factor. 3. Multiply by PPA Accident Prevention Course Discount (Age 55 or Over). 4. Multiply by PPA Multi-Policy Discount Factor. 5. Multiply by PPA Comp Tier Factor. 6. Multiply by Pay Plan Discount Factor. 7. Multiply by Renewal Capping Factor.

Coll Calculation - Off-Road

1. Exchange or Company Base Rate by Phy Dam Symbol & Age Group for Snowmobile or Other Off-Road Vehicle.

2. Multiply by PPA Deductible Factor. 3. Multiply by PPA Accident Prevention Course Discount (Age 55 or Over). 4. Multiply by PPA Multi-Policy Discount Factor. 5. Multiply by PPA Coll Tier Factor. 6. Multiply by Pay Plan Discount Factor. 7. Multiply by Renewal Capping Factor.




RATES AND FACTORS - OFF-ROAD VEHICLES

Base Rates - Liability - Off-Road

Coverage EXCHANGE COMPANY Snow Other Snow Other

$15/30 BI 14 13 21 20 $25M PD 5 6 7 9

$35M CSL 19 20 28 30 Unstacked $15/30 UM BI 6 9 10 14 Unstacked $15/30 UIM BI 13 18 20 29

Base Rates - Phy Dam - Exchange Snowmobiles

Price New Symbol *

AGE 1-2-3 AGE 4+ $50 $250 $50 $250 Ded Ded Ded Ded

Comp Coll Comp Coll $0-2,000 1(A) 16 24 11 17

2,001-3,000 2(B) 23 33 16 23 3,001-4,000 3(C) 31 48 23 33 4,001-5,000 4(D) 40 63 28 44 5,001-6,000 5(E) 49 78 34 54 6,001-7,000 6(F) 58 93 40 65 7,001-8,000 7(G) 66 108 46 75 8,001-9,000 8(H) 75 123 53 86 9,001-10,000 9(I) 84 138 59 96

10,001-11,000 10(J) 93 153 65 107 Over $11,000 11(K) 105 162 74 114

* The letter in parentheses following the number symbol is for Home Office use only.




Base Rates - Phy Dam - Exchange Other Off-Road

Price New Symbol *



2,001-3,000 2(B) 31 33 23 23 3,001-4,000 3(C) 40 42 28 29 4,001-5,000 4(D) 49 51 34 36 5,001-6,000 5(E) 54 59 38 41 6,001-7,000 6(F) 60 63 44 44 7,001-8,000 7(G) 74 70 51 49 8,001-9,000 8(H) 90 77 63 54 9,001-10,000 9(I) 106 84 75 59

10,001-11,000 10(J) 123 91 86 64 Over $11,000 11(K) 139 98 98 69

* The letter in parentheses following the number symbol is for Home Office use only. Base Rates - Phy Dam - Company Snowmobiles

Price New Symbol *



2,001-3,000 2(B) 34 50 25 36 3,001-4,000 3(C) 48 73 34 50 4,001-5,000 4(D) 60 96 41 66 5,001-6,000 5(E) 74 117 51 81 6,001-7,000 6(F) 86 141 60 99 7,001-8,000 7(G) 100 162 70 113 8,001-9,000 8(H) 113 185 79 130 9,001-10,000 9(I) 126 207 89 144

10,001-11,000 10(J) 139 230 98 162 Over $11,000 11(K) 158 243 111 172

* The letter in parentheses following the number symbol is for Home Office use only.




Base Rates - Phy Dam - Company Other Off-Road

Price New Symbol *



2,001-3,000 2(B) 48 50 34 35 3,001-4,000 3(C) 60 63 41 44 4,001-5,000 4(D) 74 77 51 54 5,001-6,000 5(E) 83 89 58 62 6,001-7,000 6(F) 88 95 62 66 7,001-8,000 7(G) 111 105 78 74 8,001-9,000 8(H) 135 116 94 81 9,001-10,000 9(I) 160 126 113 89

10,001-11,000 10(J) 184 137 130 96 Over $11,000 11(K) 209 147 147 104

* The letter in parentheses following the number symbol is for Home Office use only. How to Determine Original Price New - Off-Road If Off-Road Vehicle price new is unknown, use:

1. The list price new shown in any trade-in guidebook; or 2. The price paid by the Named Insured times the appropriate factor shown on the following chart:

Age Group SNOW- GOLF- ALL OTHER When MOBILE MOBILE By Engine Size

Purchased Under 361cc Used 361cc or over

1 1.00 1.00 1.00 1.00 2 1.15 1.10 1.45 1.40 3 1.25 1.30 1.70 1.60 4 1.40 1.55 1.80 1.70 5 1.55 1.80 1.95 1.80 6 1.95 2.50 2.10 1.90




MISCELLANEOUS VEHICLE RATES ORDER OF CALCULATION - BOAT TRAILERS, SNOWMOBILE TRAILERS, RCV TRAILERS, TRAVEL TRAILERS, CAMPER BODIES & UTILITY TRAILERS Use only those steps which are applicable. Round after each step. Comp Calculation - Boat, Snowmobile, RCV, Travel, Utility Trailers & Camper Bodies

1. Exchange base rate for Boat, Snowmobile, RCV, Travel, Utility Trailers & Camper Bodies. 2. Multiply by 1.50 if the vehicle is written in the Company. 3. Multiply by PPA Deductible Factor. 4. Multiply by PPA Multi-Policy Discount Factor. 5. Multiply by PPA Comp Tier Factor. 6. Multiply by Pay Plan Discount Factor. 7. Multiply by Renewal Capping Factor.

Coll Calculation - Boat, Snowmobile, RCV, Travel, Utility Trailers & Camper Bodies

1. Exchange base rate for Boat, Snowmobile, RCV, Travel, Utility Trailers & Camper Bodies. 2. Multiply by 1.50 if the vehicle is written in the Company. 3. Multiply by PPA Deductible Factor. 4. Multiply by PPA Multi-Policy Discount Factor. 5. Multiply by PPA Coll Tier Factor. 6. Multiply by Pay Plan Discount Factor. 7. Multiply by Renewal Capping Factor.




Base Rates - Boat Trailers, Snowmobile Trailers, and Utility Trailers – Exchange Use the following Physical Damage Rate Table. The letter in the parentheses following the number symbol is for Home Office use only.

Symbol Original

Price New

Age Groups 1 2 3 4 5 6

Comp Coll Comp Coll Comp Coll Comp Coll Comp Coll Comp Coll $50 $250 $50 $250 $50 $250 $50 $250 $50 $250 $50 $250

1(A) $0-2,999 $16 $11 $15 $10 $13 $9 $12 $8 $11 $7 $10 $6 2(B) 3,000-6,999 41 26 38 23 34 21 29 19 27 16 24 14 3(C) 7,000-10,999 63 38 58 35 52 32 45 28 40 25 35 22 4(D) 11,000-14,999 83 50 76 46 67 41 59 36 52 32 46 28 5(E) 15,000-19,999 104 62 96 56 85 50 74 44 67 39 59 35 6(F) 20,000-24,999 126 72 117 66 101 60 90 54 83 44 70 40 7(G) 25,000-29,999 147 82 139 76 117 70 106 64 99 49 81 45 8(H) 30,000-34,999 169 92 160 86 133 80 123 74 115 54 91 50 9(I) 35,000-39,999 190 102 182 96 149 90 139 84 131 59 102 55

10(J) 40,000-44,999 212 112 203 106 166 100 155 94 147 64 113 60 11(K) 45,000-49,999 233 122 225 116 182 110 171 104 163 69 124 65 12(L) 50,000-54,999 255 132 246 126 198 120 187 114 180 74 134 70 13(M) 55,000-59,999 276 142 268 136 214 130 203 124 196 79 145 75 14(N) 60,000-64,999 298 152 289 146 230 140 219 134 212 84 156 80 15(O) 65,000-69,999 319 162 311 156 246 150 235 144 228 89 167 85 16(P) 70,000-74,999 341 172 332 166 262 160 252 154 244 94 177 90 17(Q) 75,000-79,999 362 182 354 176 278 170 268 164 260 99 188 95 18(R) 80,000-84,999 384 192 375 186 295 180 284 174 276 104 199 100 19(S) 85,000-89,999 405 202 397 196 311 190 300 184 292 109 210 105 20(T) 90,000-94,999 427 212 418 206 327 200 316 194 309 114 220 110 21(U) 95,000-99,998 448 222 440 216 343 210 332 204 325 119 231 115 99(Z) add'l. 1,000 or 4 2 4 2 3 2 3 2 3 1 2 1

fraction of 1,000

Vehicles with Symbol 99(Z) are manually rated. To calculate Company rates multiply by 1.50. The Limited Tort Factor does not apply.




Base Rates - RCV Trailers, Travel Trailers, and Camper Bodies – Exchange Use the following Physical Damage Rate Table. The letter in the parentheses following the number symbol is for Home Office use only.

Symbol Original

Price New

Age Groups 1 2 3 4 5 6

Comp Coll Comp Coll Comp Coll Comp Coll Comp Coll Comp Coll $50 $250 $50 $250 $50 $250 $50 $250 $50 $250 $50 $250

1(A) $0-2,999 $21 $12 $19 $11 $18 $10 $16 $9 $15 $8 $14 $6 2(B) 3,000-6,999 46 28 43 25 39 23 35 20 31 17 29 15 3(C) 7,000-10,999 64 41 58 38 53 34 48 30 44 27 40 24 4(D) 11,000-14,999 86 54 79 49 71 44 65 39 59 34 54 30 5(E) 15,000-19,999 128 67 116 60 106 54 96 47 88 42 79 38 6(F) 20,000-24,999 178 77 160 71 150 65 134 58 125 47 110 43 7(G) 25,000-29,999 228 88 204 82 194 75 171 69 163 53 141 48 8(H) 30,000-34,999 278 99 248 92 238 86 209 80 200 58 173 54 9(I) 35,000-39,999 328 110 291 103 281 97 246 90 238 63 204 59

10(J) 40,000-44,999 378 120 335 114 325 108 284 101 275 69 235 65 11(K) 45,000-49,999 428 131 379 125 369 118 321 112 313 74 266 70 12(L) 50,000-54,999 478 142 423 135 413 129 359 123 350 80 298 75 13(M) 55,000-59,999 528 153 466 146 456 140 396 133 388 85 329 81 14(N) 60,000-64,999 578 163 510 157 500 151 434 144 425 90 360 86 15(O) 65,000-69,999 628 174 554 168 544 161 471 155 463 96 391 91 16(P) 70,000-74,999 678 185 598 178 588 172 509 166 500 101 423 97 17(Q) 75,000-79,999 728 196 641 189 631 183 546 176 538 106 454 102 18(R) 80,000-84,999 778 206 685 200 675 194 584 187 575 112 485 108 19(S) 85,000-89,999 828 217 729 211 719 204 621 198 613 117 516 113 20(T) 90,000-94,999 878 228 773 221 763 215 659 209 650 123 548 118 21(U) 95,000-99,998 928 239 816 232 806 226 696 219 688 128 579 124 99(Z) add'l. 1,000 or 10 2 9 2 9 2 8 2 8 1 6 1

fraction of 1,000

Vehicles with Symbol 99(Z) are manually rated. To calculate Company rates multiply by 1.50. The Limited Tort Factor does not apply.




Original Price New Factors – Miscellaneous Original Price New means the suggested retail price of the RCV new, including sales tax, plus the retail price new of attached awnings, steps, water pumps, TV & radio antennas, built-in air conditioners, attachments or extensions, hitching equipment, spare parts, gas and oil tanks. If the owner did not purchase the RCV new and the actual Original Price New is unknown, determine the estimated Original Price New by:

A. using the suggested retail price shown in a Mobile Home or RCV Market Report such as Blue Book or NADA, or

B. multiplying the Purchase Price Used by the following appropriate factor.

C. Factors To Determine Original Price New

Age of Travel 5th Wheel Camping Camper Motor Vehicle Trailers Trailers Trailers Bodies Homes

1 1.00 1.00 1.00 1.00 1.00 2 1.15 1.15 1.15 1.20 1.15 3 1.30 1.30 1.30 1.40 1.35 4 1.40 1.40 1.55 1.70 1.50 5 1.55 1.55 1.80 2.00 1.65 6 1.70 1.70 2.05 2.30 1.85 7 1.80 1.80 2.30 2.60 2.00 8 1.95 1.95 2.55 2.90 2.15 9 2.10 2.10 2.80 3.20 2.30

10 2.20 2.25 3.05 3.50 2.50 11 2.35 2.35 3.30 3.80 2.65 12 2.50 2.50 3.55 4.10 2.80

D. Age Groups - Age group 1 includes all RCV's of the current model year. Each subsequent age group

includes all RCV's of the next preceding model year. The "current model year" changes effective September 1 of each calendar year regardless of actual introductory dates of the several makes and models.




TABLE OF CONTENTS

RULE 1 ABBREVIATIONS .........................................................................................................................................4 RULE 2 LIMITS OF PROTECTION ............................................................................................................................4

Liability ...................................................................................................................................................................4 Physical Damage ...................................................................................................................................................4

ACV ..................................................................................................................................................................4 Stated Amount ..................................................................................................................................................4

RULE 3 MINIMUM PREMIUM ....................................................................................................................................4 RULE 4 POLICY PERIOD ..........................................................................................................................................4

Changes ................................................................................................................................................................4 Cancellation of Entire Policy or Coverage(s) ........................................................................................................4 Pennsylvania National Guard/U.S. Armed Forces Reserve Units ........................................................................5

RULES 5, 6 AND 7 RESERVED FOR FUTURE USE ...............................................................................................5 RULE 8 WHOLE DOLLAR PREMIUM .......................................................................................................................5 RULES 9 THROUGH 19 RESERVED FOR FUTURE USE .......................................................................................5 RULE 20 DEFINITIONS .............................................................................................................................................5

Age Group .............................................................................................................................................................5 Business Use .........................................................................................................................................................5 Commercial Auto ...................................................................................................................................................5 Commercial Passenger Auto .................................................................................................................................6 Conviction ..............................................................................................................................................................6 Domestic Partner ...................................................................................................................................................6 Driven To Work ......................................................................................................................................................6 Farm Use ...............................................................................................................................................................6 FPB/UM/UIM Symbol ............................................................................................................................................6 Head Of Household (Under age 24 - rate as married) ..........................................................................................6 High Performance Car ...........................................................................................................................................6 Hot Car ..................................................................................................................................................................7 Intermediate Performance Car ..............................................................................................................................7 Liability Symbol ......................................................................................................................................................7 Married ..................................................................................................................................................................7 Occasional Operator..............................................................................................................................................7 Origin Date ............................................................................................................................................................7 Physical Damage Symbols (2011 & Subsequent Model Years) ...........................................................................7 Physical Damage Symbol (2010 & Prior Model Years) .........................................................................................7 Pleasure Use .........................................................................................................................................................7 Premium Performance Car ....................................................................................................................................7 Principal Operator..................................................................................................................................................7 Private Passenger Auto .........................................................................................................................................7 Public Auto ............................................................................................................................................................8 Relative ..................................................................................................................................................................8 Resident ................................................................................................................................................................8 Sports Car .............................................................................................................................................................8 Symbol ...................................................................................................................................................................8 Warm Car ..............................................................................................................................................................8

RULE 21 PENNSYLVANIA AUTO POLICY ...............................................................................................................8 RULE 22 PRIVATE PASSENGER AUTO CLASSES ................................................................................................9

Driver Assignment .................................................................................................................................................9 Adult Classes ...................................................................................................................................................... 10

Exceptions to A Classes ............................................................................................................................... 10 Secondary Rating Classes ................................................................................................................................. 10 Young Driver Classes ......................................................................................................................................... 10 Farm Use ............................................................................................................................................................ 11

RULE 23 PREMIUM DETERMINATION ................................................................................................................. 11 Limited and Full Tort Options ............................................................................................................................. 12 Liability ................................................................................................................................................................ 12

PRIVATE PASSENGER AUTO PA RULES


1 EFFECTIVE 6/1/18

First Party Benefits (AFPF01) ............................................................................................................................ 12 Motorcycle Medical Payments (AFAM01) .......................................................................................................... 13 Uninsured and Underinsured Motorists (AFPU01) ............................................................................................. 13 Physical Damage ................................................................................................................................................ 13 Road Service ...................................................................................................................................................... 13 Discounts ............................................................................................................................................................ 13

100% Farm Use Discount ............................................................................................................................. 13 Accident Prevention Course Discount .......................................................................................................... 13 Advance Quote Discount .............................................................................................................................. 14 Age 55 or Over Discount ............................................................................................................................... 14 Anti-Lock Brakes Discount ............................................................................................................................ 14 Anti-Theft Device Discount ............................................................................................................................ 14 College Student Discount .............................................................................................................................. 15 Driver Training Discount ................................................................................................................................ 15 Multi-Car Discount ......................................................................................................................................... 15 Multi-Policy Discount ..................................................................................................................................... 16 Passive Restraints Discount ......................................................................................................................... 17 Payment Plan Discount ................................................................................................................................. 17 Prior Bodily Injury Limits Discount (Private Passenger Type Vehicle Only) ................................................. 17 Prior Liability Factor (Motorcycles and Mopeds Only) .................................................................................. 18 Reduced Usage Discount ............................................................................................................................. 18 Safe Driver Discount ..................................................................................................................................... 18 Youthful Driver Discount ............................................................................................................................... 20 Youthful Driver Longevity Discount ............................................................................................................... 21

Surcharges ......................................................................................................................................................... 21 Defensive Driver Plan (DDP) ........................................................................................................................ 21 Inexperienced Operator (Applicable to EXCHANGE only) ........................................................................... 25 Performance Car Factor ................................................................................................................................ 26

Customer Incentives ........................................................................................................................................... 26 Feature Fifteen .............................................................................................................................................. 26 First Accident Forgiveness ............................................................................................................................ 26

RULE 24 MISCELLANEOUS PASSENGER AUTOS AND TRAILERS .................................................................. 27 Special Interest Autos ........................................................................................................................................ 27

Liability, First Party Benefits, and UM/UIM ................................................................................................... 28 Physical Damage .......................................................................................................................................... 29 2010 & Prior Model Years ............................................................................................................................. 29 2011 & Subsequent Model Years ($150,000 and above) ............................................................................. 29

Antique Autos ..................................................................................................................................................... 30 Liability .......................................................................................................................................................... 30 Physical Damage .......................................................................................................................................... 30

Classic Autos ...................................................................................................................................................... 31 Liability .......................................................................................................................................................... 31 Physical Damage .......................................................................................................................................... 32

Replica Autos ..................................................................................................................................................... 32 Reconstructed Autos .......................................................................................................................................... 32 Boat Trailers, Snowmobile Trailers, and Utility Trailers ..................................................................................... 32

RULE 25 MISCELLANEOUS COVERAGES .......................................................................................................... 33 Customized Equipment Coverage - Physical Damage ...................................................................................... 33

Definition ....................................................................................................................................................... 33 Premium Determination ................................................................................................................................ 33 2011 & Subsequent Model Years ................................................................................................................. 34 2010 & Prior Model Years ............................................................................................................................. 34

Erie Nonowner Plus (AFAZ03) ........................................................................................................................... 35 Erie Auto Plus (AFAZ01) .................................................................................................................................... 35 New Auto Security Coverage (AFAC01) (Not available on Antiques, Classics or Motor Homes.) .................... 35 Rate Protection Endorsement (AFPZ02) – Exchange Only ............................................................................... 35 Sound Equipment ............................................................................................................................................... 36 Transportation Expenses ................................................................................................................................... 36



2 EFFECTIVE 6/1/18

RULE 26 RECREATIONAL CAMPING VEHICLES (RCVs) ................................................................................... 38 Extended RCV Physical Damage Coverage (AAAC05) .................................................................................... 38 Extended Theft Coverage (AAAC04) ................................................................................................................. 38 Definition ............................................................................................................................................................. 38 Premium Determination ...................................................................................................................................... 39

Motor Homes, including Custom Coach, Mini Motor Homes, Van Conversions and Trans Vans ................ 39 Travel Trailers, including Fifth Wheelers and Camping Trailers ................................................................... 39 Camper Bodies, including Chassis Mounts .................................................................................................. 40 RCV Trailer, Travel Trailer and Camper Body Rates.................................................................................... 40

RULE 27 SPECIAL TYPE MISCELLANEOUS VEHICLES ..................................................................................... 40 Seasonal Usage Factor ................................................................................................................................. 40

Off-Road Recreational Vehicles ......................................................................................................................... 40 Trail Bikes, ATVs and Dune Buggies Licensed for Road Use ........................................................................... 40

RULE 28 MOTORCYCLE ACCESSORIES AND SAFETY RIDING EQUIPMENT (AFPA03 and AFPA04) .......... 40 RULE 29 RESERVED FOR FUTURE USE ............................................................................................................ 41



3 EFFECTIVE 6/1/18

RULE 1 ABBREVIATIONS

Actual Cash Value ACV All Terrain Vehicle ATV Application App Bodily Injury BI Collision Coll Combined Single Limit CSL Comprehensive Comp Declarations Dec Deductible Ded Defensive Driver Plan DDP Endorsement End't. First Party Benefits FPB Limited Liability Company LLC Pennsylvania PA Pennsylvania Auto Policy AP-PA Physical Damage Phy Dam Private Passenger Auto PPA Property Damage PD Recreational Camping Vehicle RCV Underinsured Motorists UIM Uninsured Motorists UM Vehicle Identification Number VIN

RULE 2 LIMITS OF PROTECTION

Liability Most premiums shown in this manual are for basic limits. If premiums are for other than basic limits, the limits will be stated. See Rates Section for other limits.

When more than one vehicle is insured under a single ERIE policy, the same limits of liability apply to all vehicles.

Physical Damage

Phy Dam may be written in one of two ways: ACV or, for certain kinds of vehicles - Stated Amount.

ACV

Pays the actual cash value of the loss to the insured vehicle, less any ded.

Stated Amount

The actual cash value of the loss to the insured vehicle, less any ded, subject to a maximum of the amount stated on the Dec or App.

RULE 3 MINIMUM PREMIUM

The minimum annual policy premium is $60. Any policy which generates an annual premium of less than $60 will be charged $60.

Minimum premiums are also established for certain coverages. Any coverage which generates an annual premium which is less than the established minimum premium for that coverage will be charged the minimum premium.

RULE 4 POLICY PERIOD

Policies are written for a 12 month period subject to:

Changes

Use rules and premiums in effect at the inception of the current policy. All changes will be pro-rated.

Cancellation of Entire Policy or Coverage(s)

Cancellation by the Named Insured or ERIE will be pro-rated.



4 EFFECTIVE 6/1/18

Pennsylvania National Guard/U.S. Armed Forces Reserve Units

For members of these groups who are called or ordered to active duty with the armed forces of the United States for 30 consecutive days or more, other than for training, coverage (including Financial Responsibility coverages) may be suspended as follows:

1. The member must certify to us that the insured motor vehicle will not be driven during the member's absence.

2. If the motor vehicle is encumbered, Comp and/or Coll may be kept in force, as required by the Lienholder. 3. The member may ask for a pro-rated refund or credit to his policy account. 4. Coverage may be reinstated at any time.

RULES 5, 6 AND 7 RESERVED FOR FUTURE USE

RULE 8 WHOLE DOLLAR PREMIUM

The premium for each coverage on a policy will be rounded to the nearest whole dollar. Fifty cents ($.50) or more is always rounded to the next highest whole dollar.

This also applies to the return premium for policy cancellations.

RULES 9 THROUGH 19 RESERVED FOR FUTURE USE

RULE 20 DEFINITIONS

Age Group The designation given to the model year of a PPA being rated for Phy Dam.

Business Use The PPA is customarily used in an occupation, profession or business and:

1. has no employee exposure, 2. has no permanently attached equipment which is listed in the definition of COMMERCIAL AUTO, 3. does not tow a trailer for business or commercial purposes, or 4. the vehicle is not used for wholesale or retail delivery or as a rolling store and has no truckmen exposure.

Driving to and from work is not considered BUSINESS USE.

A PPA used in a ridesharing agreement with a Transportation Network Company must be rated as BUSINESS USE for coverage to apply. Coverage is excess over any other collectible insurance. PA requires Liability limits of no less than $50,000/100,000/25,000 and a Medical Expenses Benefit of no less than $30,000 while the driver is logged into the digital network and not engaged in a prearranged ride.

Commercial Auto 1. A Truck, Tractor or Trailer used in an occupation, profession or business, 2. A COMMERCIAL PASSENGER AUTO, or 3. A PUBLIC AUTO.

It does not include vehicles defined as BUSINESS USE. It includes:

1. an employee driving exposure, 2. vehicles with permanently attached equipment such as air compressors, pumps and generators, including

spraying, welding, building cleaning, physical exploration, lighting and well servicing equipment, cherry pickers and similar devices used to raise or lower workers, or

3. vehicles that tow a trailer for business or commercial purposes.



5 EFFECTIVE 6/1/18

Commercial Passenger Auto

A PPA owned by a corporation, partnership or association or an individually-owned private passenger vehicle insured on a Commercial or Garage Auto policy.

Conviction

A determination of guilt by any court (including a magistrate or juvenile authority) involving a motor vehicle violation. A plea of "nolo contendere" resulting in license suspension/revocation, payment of a fine, imposition of points on driving records, or a jail sentence is also included.

Domestic Partner

A person living as a continuing partner with the insured who:

1. Is a resident of the household; 2. Is at least 18 years of age and competent to contract; 3. Is not a relative; and 4. Shares with the insured, responsibility for each other’s welfare, evidence of which includes:

a. The sharing in domestic responsibilities for the maintenance of the household; b. Having joint financial obligations, resources, or assets; and c. Sharing their life in a long-term and committed relationship.

Domestic Partner does not include:

1. More than one person; 2. A roommate, whether sharing expenses equally or not; or 3. One who pays rent to the insured.

Driven To Work

The auto is used to travel to a place of paid employment or to school. This includes car pooling or driving to a transportation hub, such as a bus stop, depot, etc. No more than one drive-to-work rate class per driver is permissible. (For example, if a driver rotates driving two different autos to work, a drive-to-work rate class should be applied to the auto most frequently driven to work. The other auto must be rated for pleasure use.)

Farm Use

A PPA used exclusively in connection with the operation of a farm or ranch owned or rented by the Named Insured who resides on the farm. The auto is not used regularly in connection with any other business or occupation.

FPB/UM/UIM Symbol

A letter or digit assigned to a motor vehicle based on physical characteristics, specifications, and loss experience of the vehicle. Used to determine premiums for Medical Expenses, Income Loss, Accidental Death, Funeral Expenses, Combination Package and Uninsured/Underinsured Motorist Coverage. (This symbol will not be used to determine premium for Extraordinary Medical Benefits.)

Head Of Household (Under age 24 - rate as married)

A widowed, divorced, legally separated or single person under age 24 who has established a separate household and is head of that household, has custody of a minor child and has paid over half the costs of keeping up the home.

High Performance Car

1990 and Newer Model Years - Autos with a wheelbase less than 106.0 inches, a curb weight less than 3,600 pounds, and a Curb Weight-to-Net Horsepower Ratio of 14.0-to-1 or less.



6 EFFECTIVE 6/1/18

Hot Car

1989 and Older Model Years - Autos with a Curb Weight-to-Net Horsepower Ratio less than 14.7-to-1.

Intermediate Performance Car

1990 and Newer Model Years - Autos with a Curb Weight-to-Net Horsepower Ratio greater than 14.0-to-1 but less than or equal to 16.0-to-1.

Liability Symbol

A letter or digit assigned to a motor vehicle based on physical characteristics, specifications, and loss experience of the vehicle. Used to determine premiums for Bodily Injury Liability, Property Damage Liability, and a Combined Single Limit of Liability coverage.

Married

A person living with his or her spouse, and includes a widowed person. A married couple temporarily living apart for reasons of health, occupation, military service, or similar circumstances shall be considered as living together.

Occasional Operator

Any driver not qualifying as the "PRINCIPAL OPERATOR" of a particular auto.

Origin Date

Determined from the date the policyholder first insured with ERIE on an Erie Insurance Group voluntary Auto Policy. A coverage lapse of 30 days or more is considered an interruption of coverage and initiates a new origin date. Spin-off and rewrite policyholders will be credited for their time insured as a driver (Named Insured, Domestic Partner or resident relative operator of a private passenger type auto insured) under a previous Erie Insurance Group voluntary Auto Policy.

Physical Damage Symbols (2011 & Subsequent Model Years)

The two digit numeric designations applied to an auto to rate Comp and Coll Coverage. Two symbols apply to every 2011 model year auto and beyond: a Comprehensive Symbol and a Collision Symbol. These symbols represent the physical characteristics, specifications, and loss experience of the vehicle.

Physical Damage Symbol (2010 & Prior Model Years)

The letter or digit designation applied to an auto to rate Comp and Coll Coverage. It represents the value of the auto as well as other characteristics. (See Physical Damage Symbol Section.)

Pleasure Use

The auto is not used for business and not used to drive to a place of paid employment or to school, including car pooling or driving to a transportation hub such as a bus stop, depot, etc.

Premium Performance Car

1990 and Newer Model Years - Autos with a Curb Weight-to-Net Horsepower Ratio of 14.00-to-1 or less, but with a wheelbase of 106.0 inches or longer, or a curb weight of 3,600 pounds or greater.

Principal Operator

Driver with the highest percentage of use of a particular auto. If two or more drivers have an equal percentage of use, the principal operator is determined on the basis of the use class which develops the highest premium.

Private Passenger Auto

A four wheel land motor vehicle designed mainly to transport people on public roads. It includes station wagons, vans, motor homes and pickup trucks (even those with dual rear wheels) or any other motor vehicle that has been assigned a private passenger Phy Dam rating symbol(s) in the Symbol Section of this manual. It must be owned by an individual or a Limited Liability Company (LLC).



7 EFFECTIVE 6/1/18

PPAs may include vehicles:

1. used for farming or ranching, 2. used by federal government workers, 3. driven to and from work, 4. used principally in business, but not COMMERCIAL AUTO, or 5. that are light trucks, which have a Phy Dam symbol assigned to them in the Physical Damage Symbols

Section of this manual and DO NOT: a. have an employee exposure, b. have permanently attached equipment as listed in the definition of COMMERCIAL AUTO, or c. tow a trailer for business or commercial purposes.

PPAs do not include vehicles defined as COMMERCIAL AUTO;

Public Auto

A vehicle of any type used as a public or livery conveyance to carry:

1. children, students and their parents or guardians, faculty and staff, church and organization members (including officials and their employees) or board members and their guests for school, church, or organization activities and incidental operations (such as Boy Scouts, Girl Scouts, Head Start Programs and Day Care Programs).

2. employees to and from work in their employer's owned vehicle.

3. guests and residents of motels, hotels or apartment complexes to and from airports and other points of transportation.

Relative

A resident of the Named Insured's home who is a person related to the Named Insured by blood, marriage or adoption. Also included is a ward or any person under age 21 in the care of the Named Insured.

Resident

A person who physically lives with the Named Insured in the Named Insured's household on a regular basis. Unmarried, unemancipated children attending school full-time, and living away from home, are considered residents of the Named Insured's household.

Sports Car

1989 and Older Model Years - A two-door domestic or imported auto designed to carry two passengers with a Curb Weight-to-Net Horsepower Ratio of 30.0-to-1 or less.

1990 and Newer Model Years - A domestic or imported auto designed to carry two passengers or which provides minimal rear seating for two people (commonly referred to as '2 + 2' vehicles) with a Curb Weight-to-Net Horsepower Ratio less than or equal to 25.0-to-1.

Symbol

See LIABILITY SYMBOL and PHYSICAL DAMAGE SYMBOL in this section.

Warm Car

1989 and Older Model Years only - Autos with a Curb Weight-to-Net Horsepower Ratio of 14.7-to-1 thru (and including) 18.6-to-1.

RULE 21 PENNSYLVANIA AUTO POLICY

ERIE’s AP-PA covers PPAs, RCVs and special type miscellaneous vehicles which are written in the name of an individual, an individual and spouse, or an individual and domestic partner. Autos leased by an individual or



8 EFFECTIVE 6/1/18

https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=APPA&Seq=0&Date=04/01/2013&Type=pdf

individual and resident spouse or an individual and domestic partner for one year or more are considered owned, if written on a specified auto basis.

Vehicles titled to a family-controlled LLC are eligible. The LLC will be listed as an Additional Insured.

RULE 22 PRIVATE PASSENGER AUTO CLASSES

Driver Assignment

Permitted drivers will not be added to the policy until they have obtained a driver's license. Young driver classes will be assigned based on their age as of the effective date of the policy period or renewal, regardless of when the driver is added to the policy. The same youthful operator cannot be assigned to the more than one vehicle.

Assign drivers as follows: New policies effective on and after 2-1-15

1. Single Car Policy a. Assign the principal youthful operator to the auto, b. If there is no principal youthful operator, assign the occasional youthful operator with the highest class

factor to the auto. c. If there is no youthful operator, assign the adult who most frequently uses the auto.

2. Multi-Car Policy – Principal, Youthful Operators

a. . Assign each principal youthful operator to the auto he or she owns or principally operates.

b.. When a youthful operator is the owner or principal operator of two or more autos, assign the youthful operator to the auto at the highest level of priority listed below:

1) Newest Model Year auto; 2) Auto with the highest symbol; 3) Auto with the highest annual mileage; 4) Assign an Adult/Pleasure Class to any remaining autos.

3. Multi-Car Policy – Occasional, Youthful Operators:

a. Assign each occasional, youthful operator to the auto he or she most frequently operates. Every occasional youthful operator must be assigned to an auto if there are enough autos on the policy.

b. If the auto frequently operated by the youthful driver has already been assigned, the youthful operator should be assigned to the remaining auto he or she is most likely to drive.

c. In cases where there are more youthful operators than autos, more than one youthful operator may be entered as the driver of an auto. The youthful operator with the highest class factor will determine the premium for that auto.

4. Adult Operators

a. Assign an adult operator to any remaining autos.

Policies issued prior to 2-1-15

1. Single Car Policy a. Assign the principal youthful operator.

b. If there is no principal youthful operator, assign the occasional youthful operator with the highest class factor.

c. If there is no youthful operator, assign the adult who most frequently uses the auto.

2. Multi-Car Policy

a. Assign each principal youthful operator to the auto he or she owns or principally operates.

1) When a youthful operator is the owner or principal operator of two or more autos, assign the youthful operator to the auto owned or principally operated that develops the highest premium.



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b. Assign each occasional youthful operator to the auto he or she most frequently operates.

1) Every occasional youthful operator must be assigned to an auto if there are enough autos on the policy.

2) If the auto most frequently operated has already been assigned, the youthful operator should be assigned to the remaining auto he or she is most likely to drive.

3) In cases where there are more youthful operators than autos, more than one youthful operator may be entered as the driver of an auto. The youthful operator with the highest class factor will determine the premium for that auto.

c. Assign an adult to any remaining autos.

Adult Classes

Class Annual Mileage Definition A1AS/A1AL S-Up to 8,500 L-8,501 + Pleasure Use Only A1BS/A1BL S-Up to 8,500 L-8,501 + Driven to work less than 6 miles one way A2AS/A2AL S-Up to 8,500 L-8,501 + Driven to work 6-10 miles one way A2BS/A2BL S-Up to 8,500 L-8,501 + Driven to work 11-14 miles one way A3AS/A3AL S-Up to 12,500 L-12,501 + Driven to work 15-20 miles one way A3BS/A3BL S-Up to 15,500 L-15,501 + Driven to work 21-30 miles one way

A3C Not Applicable Driven to work 31+ miles one way A4S/A4L S-Up to 12,500 L-12,501 + Business Use

A1AF Not Applicable Farm Use

Exceptions to A Classes

A. Car Pool When driving is shared equally by two or more drivers, divide the number of miles driven one way by the number of drivers. The result will be used to determine the class.

B. Part-time Workers When an Insured works part-time, divide the Insured's total weekly miles driven one way by the number of days in the work week. The result will be used to determine the class.

C. Government Workers The Federal Government will respond to the Liability losses of an employee who is operating his own vehicle on government business. Therefore, the vehicle should be rated according to its otherwise regular use, instead of "Business Use."

D. Clergy An auto principally used by a member of the clergy will not be considered as "Business Use."

Secondary Rating Classes

Applies only to drivers age 24 and older. See Secondary Rating Class charts in the Rates Section.

Young Driver Classes

Young Driver Classes will be assigned based on their age as of the effective date of the policy period or renewal, regardless of when they are added to the policy.

Definition 1st and 2nd Positions

3rd Position (Age of Owner or Operator) Number in box is 3rd Position of Class. Blank box is not a valid position.

Unmarried Male-Occasional Operator 15* 16 17 18 19 20 21 22 23

without Driver Training B1 5 6 7 8 9 0 with Driver Training B2 5 6 7 8 9 0

with or without Driver Training B1 1 2 3



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Married Male-Owner or Operator 15* 16 17 18 19 20 21 22 23

without Driver Training B3 5 6 7 8 9 0 with Driver Training B4 5 6 7 8 9 0

with or without Driver Training B3 1 2 3

Unmarried Male-Owner or Operator 15* 16 17 18 19 20 21 22 23

without Driver Training C1 5 6 7 8 9 0 with Driver Training C2 5 6 7 8 9 0

with or without Driver Training C1 1 2 3

Unmarried Female-Occasional Operator 15* 16 17 18 19 20 21 22 23

without Driver Training D1 5 6 7 8 9 0 with Driver Training D2 5 6 7 8 9 0

with or without Driver Training D1 1 2 3

Married Female-Owner or Operator 15* 16 17 18 19 20 21 22 23

without Driver Training D3 5 6 7 8 9 0 with Driver Training D4 5 6 7 8 9 0

with or without Driver Training D3 1 2 3

Unmarried Female-Owner or Operator 15* 16 17 18 19 20 21 22 23

without Driver Training E1 5 6 7 8 9 0 with Driver Training E2 5 6 7 8 9 0

with or without Driver Training E1 1 2 3

*Applies to drivers age 15 and under.

When a Young Driver class applies to a PPA which is driven to work or used for business, use the Young Driver Class.

Exceptions to B, C, D & E Classes

ERIE will not prorate a young driver turning 24 during the policy period. The class determined at the time of App or renewal will hold throughout the policy period. This also applies to 16 thru 23 year olds.

Farm Use

When the appropriate young driver class has been determined, and the young driver also qualifies under the definition of "Farm Use", add "F" as the fourth digit of the Class code. Calculate the premium for the young driver as indicated by the Farm class factors in the Rates Section.

RULE 23 PREMIUM DETERMINATION

Refer to the Order of Calculation in the Rate pages to determine eligibility of applicable discounts and surcharges on individual coverages.

Proper PPA class and territory assignment must be determined prior to calculating premiums. For a description of PPA classes, refer to Rule 22. Assignment of rating territories is explained in the Territories Section.



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Limited and Full Tort Options

Each Insured must be given the opportunity to choose in writing between a "Limited Tort" option or a "Full Tort" option. The "Limited Tort" option reduces premium* in exchange for giving up the right to sue for non-economic damages caused by other drivers unless there is a serious injury or one of several other exceptions applies. Under the "Full Tort" option, the Insured retains the unrestricted right to sue for all damages caused by other drivers.

*There is no premium reduction for Restricted Antiques/Classics/Special Interest Autos, Motor Homes, RCVs, Dune Buggies, ATV's, Motorcycles, Mopeds or Off-Road Recreational Vehicles.

Liability Minimum Financial Responsibility limits are: • BI - $15,000/30,000 • PD - $5,000 • CSL - $35,000

First Party Benefits (AFPF01)

FPB must be offered on every auto Liability policy issued in PA. These coverages will never be sold on motorcycles and similar two or three wheel vehicles or off-road recreational vehicles. FPB coverages include:

• Medical Expenses Benefit ($5,000 Limit Required) - necessary medical treatment and rehabilitative services.

The following additional limits are available:

$10,000 $ 50,000 $25,000 $100,000

• Income Loss Benefit (Optional) - 80% of actual loss of gross income, including payment for reasonable expenses incurred for hiring a substitute to perform self-employment services or for hiring special help enabling a person to work, only if this reduces loss of gross income.

The following limits are available:

$1,000 mo/$5,000 max. $1,000 mo/$15,000 max. $1,500 mo/$25,000 max. $2,500 mo/$50,000 max. $5,000 mo/$100,000 max.

• Accidental Death Benefit (Optional) - payment to Insured's personal representative (executor or administrator of estate) should injury resulting from a motor vehicle accident cause death within 24 months from the date of the accident.

The following limits are available:

$5,000 $10,000 $25,000

• Funeral Expenses Benefit (Optional) - reasonable and necessary expenses directly related to the funeral, burial, cremation or other means of disposing the remains of the deceased. The following limits are available:

$1,500 $2,500

• Combination Package - A Combination Benefit Package of $ 177,500 is available. Coverages include a combination of medical, funeral, income loss and death benefits, subject to a maximum of $2,500 on funeral expenses and $25,000 on accidental death.



12 EFFECTIVE 6/1/18

https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=AFPF01&Seq=0&Date=11/01/2015&Type=pdf

• Extraordinary Medical Benefits - with a $1,000,000 lifetime aggregate limit, is available regardless of the FPB Medical Expenses Benefit limit purchased. It provides coverage for "catastrophic" injuries involving medical and rehabilitative expenses. Coverage begins when these expenses exceed $100,000. Payments are in units of $50,000 per year, except for the first 18 months of coverage eligibility.

The Multi-Policy Discount does not apply to this coverage.

A Named Insured purchasing FPB for more than one motor vehicle must buy the same benefits, limits and coverages for each auto. This applies whether the vehicles are insured on one or more ERIE auto policies.

See Rates Section.

Motorcycle Medical Payments (AFAM01) Motorcycle Medical Payments coverage is optional.

Uninsured and Underinsured Motorists (AFPU01)

UMBI and UIMBI are OPTIONAL but must be offered on a stacked or unstacked basis equal to BI Liability limits. Higher than Liability is not available. Signed statement is required to reject coverage (Use Form UF-2043 for Uninsured Motorist Coverage or Form UF-2046 for Underinsured Motorists Coverage), reduce limits (Use Form UF-2044 for Uninsured Motorist Coverage or Form UF-2047 for Underinsured Motorist Coverage), or reject stacking (Use Form UF-2045 for Uninsured Motorists Coverage or Form UF-2048 for Underinsured Motorist Coverage.)

Physical Damage

1. Comp and Coll - obtain the proper Phy Dam symbol(s) and model year from the Physical Damage Symbol Section of this manual for each auto being rated. See Rates Section.

2. Full Window Glass – available under Comp. Waives the Ded for damages to window glass. See Rates Section.

Car/Driver Rating Factor

This rating factor applies to new business on 1/1/06 and to renewal business on 3/1/06.

All PPAs will be given a car/driver rating factor that is based on the number of vehicles, the number of drivers and the presence of a youthful operator age 21 or under. The factor is applied to BI, PD,CSL, FPB, UM/UIM, Comp and Coll Coverages. The factor is not applied to nonowned coverages, or to motor homes, motorcycles, mopeds, off-road vehicles, miscellaneous vehicles or PPAs that do not have liability coverages.

Refer to the Rates Section to determine the car/driver rating factor.

Road Service

Road Service will not be sold without Comp. See Rates Section.

Discounts

100% Farm Use Discount

PPAs used exclusively in connection with the operation of a farm or ranch owned or rented by the Named Insured are eligible for a discount. The auto may not be used regularly in connection with any other business or occupation. The Farm Use class factors will be applied to BI, PD, CSL, FPB, Comp and Coll.

Accident Prevention Course Discount

An additional 5% reduction applies to all coverages if all Named Insureds have reached age 55 and all Named Insureds have voluntarily (not required by a court or other governmental entity) taken and successfully completed a motor vehicle driver improvement course approved by the PA Department of Transportation (www.dmv.state.pa.us). A completion certificate must be verified by the Agent. Please refer to the DMV website at http://www.dmv.pa.gov/Driver-Services/Mature-Drivers/Pages/Mature-Driver-Improvement-Course.aspx

for the complete listing of all classroom-based and on-line course providers, and for any future revisions or additions to the list of approved providers.



13 EFFECTIVE 6/1/18

https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=AFPU01&Seq=0&Date=11/01/2015&Type=pdf

https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=UF-2043&Seq=0&Date=04/01/1999&Type=pdf






http://www.dmv.state.pa.us/

http://www.dmv.pa.gov/Driver-Services/Mature-Drivers/Pages/Mature-Driver-Improvement-Course.aspx

http://www.dmv.pa.gov/Driver-Services/Mature-Drivers/Pages/Mature-Driver-Improvement-Course.aspx

This discount will apply:

• to all motor vehicles insured under the policy; • only once to each motor vehicle regardless of the number of Named Insureds who have completed the course

or the number of courses taken by each Named Insured; and • for three years after it has been applied to the policy.

The discount will be removed on all motor vehicles if a Named Insured:

• has a surchargeable accident or surchargeable violation, or • has accepted Accelerated Rehabilitative Disposition (ARD) for Driving Under the Influence during the three

year discount period.

An accident for which a surcharge has been forgiven under "First Accident Forgiveness" or "Feature Fifteen" will be considered surchargeable for purposes of this discount.

Advance Quote Discount

The Advance Quote Discount will be applied to new business policies effective on or after November 1, 2008. New business qualifies for the discount if a quote is given to an applicant, as evidenced by the ordering of the underwriting reports necessary to determine tier, seven days or more (subject to a maximum of 90 days) in advance of their policy inception date. The amount of the discount is reduced gradually over a 5-year period. Existing customers, including rewrites/spin-offs, are ineligible for the discount.

This discount applies to the following:

1. All private passenger type vehicles (including motor homes, regular use antique autos, and regular use classic autos), motorcycles, and mopeds.

2. Coverages: BI, PD, CSL, FPB, UM, UIM, Comp, and Coll.

See Rates Section for Advance Quote Discount factors.

Age 55 or Over Discount

PPAs principally driven by Insureds who have reached age 55 are eligible for an .03 Class Factor reduction which applies to BI, PD, CSL, FPB, Comp and Coll. This discount will be applied on the renewal date of the policy after the driver has turned 55.

Anti-Lock Brakes Discount

An anti-lock brake system provides protection not offered by conventional braking systems by use of computer technology to control wheel speed during braking and allow for safer stops without skidding or loss of steering.

BI and PD or CSL Liability premiums will be discounted by 8% for vehicles equipped with factory-installed anti-lock brake systems on all four wheels. "Rear" anti-lock brake systems DO NOT qualify for this discount.

Anti-Theft Device Discount

A 5 or 10% discount will be applied to Comp premiums on autos equipped with Anti-Theft Devices. The only Anti-Theft Devices not qualifying for this discount are "home-made" devices that are not available to the general public, factory-installed tapered door locks, and factory-installed interior hood lock releases. If a vehicle is equipped with more than one qualifying device, only the single highest discount applies.

A. A 5 % discount will be applied for an identification system which involves etching a VIN or serial number on auto parts (such as windshields, trunk lids, fenders, hood, etc.), or:

AN ACTIVE DEVICE SUCH AS:

1. One which disables the vehicle by making the fuel, ignition, or starting system inoperative, or

2. One which prohibits the steering wheel from being turned (standard steering wheel lock does not qualify), or

3. A hood locking mechanism (if unlocked by a key or electronic device) which can only be released from the inside of the vehicle.

A disabling device is categorized as ACTIVE if a separate manual step IS required to engage the device.



14 EFFECTIVE 6/1/18

B. A 10 % discount will be applied for an ALARM, or

A PASSIVE DEVICE SUCH AS:

1. One which disables the vehicle by making the fuel, ignition or starting system inoperative, or

2. Central based computer systems.

A disabling device is categorized as PASSIVE if a separate manual step IS NOT required to engage the device. The device activates automatically when the ignition is turned off or the door is locked.

College Student Discount

(If the College Student Discount applies, the Reduced Usage Discount is not applicable.)

This discount applies to college students age 23 or younger.

College students who spend most of the college term away from home without the use of an auto present a reduced exposure. To reflect this BI, PD, CSL, FPB, Comp and Coll will be discounted by 25% if the young unmarried driver:

• is a full-time college student, and • does not live at home, and • does not have a vehicle at school.

Driver Training Discount

Autos driven by drivers under age 21 may be eligible for a discount. Evidence, showing that the young driver(s) of the insured auto completed an accredited driver training course, must be visually verified by the Agent. If the young driver cannot show such evidence, AMWD2 must be completed.

The minimum requirements for this credit are:

The course had the official approval of the PA Department of Education or other educational agency. This means that the school conducting the course must be accredited by the Department or Agency and the instructors teaching the course must be licensed by the Department or Agency.

Satisfactory evidence is a completed Form AMWD2 or a certificate signed by a school official certifying that the course meets the above minimum requirements and also meets the following minimum requirements:

A. The course was composed of a minimum of 30 clock hours of classroom instruction plus a minimum of 6 clock hours per student in actual practice driving, exclusive of observation time in the auto. Time spent in an approved driving simulator may be counted as part of the 30 clock hours of classroom instruction, or

B. The course was composed of a minimum of 30 clock hours of classroom instruction with a minimum of 3 clock hours per student in actual driving experience, exclusive of observation time in the auto. In addition a minimum of 12 clock hours must be spent, per student, in an approved driving simulator. Only time in excess of these 12 clock hours may be counted as part of the minimum of 30 clock hours of classroom instruction.

C. The course was composed of a minimum of 30 clock hours of classroom instruction plus a minimum of 3 clock hours per student in actual driving experience, exclusive of observation time in the auto. Concurrent with the actual driving experience, a minimum of 9 clock hours must be spent, per student, in an approved driving simulator. Only time in excess of these 9 hours may be counted as part of the minimum of 30 clock hours of classroom instruction.

Multi-Car Discount

If two or more PPAs (including "regular use" antiques and classics) are voluntarily insured by ERIE, they may qualify for a discount. They do not have to be insured on the same policy, but they must all be owned and used by a Named Insured or a resident relative. PPAs owned by or co-titled to non-relatives are not eligible for this discount. Autos leased for a period of one year or more are considered owned autos.



15 EFFECTIVE 6/1/18



This discount also applies to a single vehicle insured on a AP-PA when:

• another PPA (including a "regular use" antique or classic) is insured on an ERIE CAP or GAP, and the Named Insured on the AP-PA and resident relatives have unlimited personal use of the PPA (including a "regular use" antique or classic) that is insured on ERIE CAP or GAP. The vehicle insured on the CAP or GAP does not have to be titled to the Named Insured listed on the AP-PA.

• the Named Insured on the AP-PA has unlimited personal use of a company-furnished PPA (including a “regular use” antique or classic). The qualifying vehicle does not have to be insured by ERIE or titled to the Named Insured listed on the AP-PA.

Each auto must be covered for BI, PD, CSL or Coll. The Multi-Car Factors will be applied to BI, PD, CSL, FPB, Comp and Coll. See Rates Section for Multi-Car Factors.

Multi-Policy Discount

A. Auto/Home

All vehicles written on a AP-PA will receive a discount if the following criteria are met:

• A HomeProtector, Mobile HomeProtector Policy or ErieSecure must be written with ERIE.

• The named insured must be the same on the AP-PA and the Home/Mobile HomeProtector/ErieSecure policies.

If an individual and spouse or an individual and domestic partner have separate AP-PAs, both policies are eligible for the Multi-Policy Discount if a Pioneer HomeProtector, Mobile HomeProtector Policy, or ErieSecure is in force. A Change Request must be submitted to tie the separate auto policies and the HomeProtector, Mobile HomeProtector Policy or ErieSecure together.

If the parents of a young driver receive a Multi-Policy Discount and the youthful driver has a separate auto policy, the youthful driver will not receive a Multi-Policy Discount. The youthful driver does not have a HomeProtector, Mobile HomeProtector Policy or ErieSecure and therefore does not meet the qualifying criteria.

B. Auto/Life

This discount is effective 1/1/06 for new business and 3/1/06 for renewal business.

All vehicles written on a AP-PA will receive a discount if any driver listed on the policy meets the following criteria:

• The listed driver must have at least one in force Term, Permanent, or Universal Life Policy on him/herself with ERIE Family Life Insurance Company.

• The aggregate face amount of all the above-mentioned Life policies insured on him/herself must be $100,000 or more.

C. Auto/Home/Life

This discount is effective 1/1/06 for new business and 3/1/06 for renewal business. All vehicles written on a AP-PA will receive a discount if the following criteria are met:

• The policy meets the criteria listed above for the Auto/Home Discount. • The policy meets the criteria listed above for the Auto/Life Discount.

The Multi-Policy Discount will be applied on a per coverage basis. All coverages receive the discount except:

• UM/UIM BI or UM/UIM CSL • Road Service • Transportation Expenses - Comp or Coll • Personal Effects • New Auto Security



16 EFFECTIVE 6/1/18

The discount should be added during the policy period if the HomeProtector, Mobile HomeProtector Policy or ERIESecure is written after the auto policy effective or renewal date. A Change Form must be submitted for the discount to be added. The discount will be pro rated for the remainder of the policy period.

The discount should be removed during the policy period if the HomeProtector Mobile HomeProtector Policy or ERIESecure is cancelled. A Change Form must be submitted for the discount to be removed.

The Multi-Policy Discount does not apply to PPAs written on a Pioneer Commercial Auto Policy or a Pioneer Garage/Auto Policy.

Policyholders are notified of all available discounts and advised to contact their Agents if a discount is not applied. A Change Request must be submitted if a discount should have been added. See Rates Section for Multi-Policy Factors.

Passive Restraints Discount

All FPB coverages will be discounted for all PPAs with factory-installed passive seat belts or airbags. The following discounts will apply:

Type of Restraint System Discount Automatic Seat Belts 15% Driver Side Front Airbags only 15% Driver Side and Passenger-side Front Airbags only 15% Two Front Airbags and Side-Impact Airbags 30%

Autos with passive restraints as standard equipment are le with a pound sign (#) in the Physical Damage Symbol Section of this manual.

Payment Plan Discount

• Annual (Plan A) – entire premium is paid by policy effective date. The discount does not apply if the option to pay via credit card is selected.

• Third Third Third (Plan B) – one third of the premium is paid by policy effective date. One third of the premium is paid within 30 days after policy effective date. One third of the premium is paid within 60 days after policy effective date.

The discount applied under Plan A is greater than the discount applied under Plan B. Refer to the Rates Section to determine the amount of discount that a policy is eligible to receive.

Prior Bodily Injury Limits Discount (Private Passenger Type Vehicle Only)

For new business, a policy will qualify for this discount if the current bodily injury per accident limit is $300,000 or higher ($300,000 or higher for combined single limit).

For renewal business, a policy will qualify for this discount if the bodily injury per accident limit at the beginning of the previous policy period was $300,000 or higher ($300,000 or higher for combined single limit).


1. All private passenger type vehicles (including motor homes, regular use antique autos, and regular use classic autos).

2. Coverages: BI, PD, CSL, all FPB coverages, UM, UIM, Comp, and Coll.

See Rates Section for Prior Bodily Injury Limits Discount Factors.



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Prior Liability Factor (Motorcycles and Mopeds Only)

Prior Liability Discount applies if the Prior Liability Limit >=$350,000


1. All motorcycles and mopeds.

2. Coverages: BI, PD, CSL, all FPB coverages, UM, UIM, Comp., and Coll.

See Rates Section for Prior Liability Factors.

Reduced Usage Discount

(If the Reduced Usage Discount applies, the College Student Discount is not applicable.)

If a PPA, non-restricted Antique Auto, Classic Auto, Special Interest Auto or Customized Van rated as a PPA is not driven for a period of at least 90 consecutive days during the policy period, a 40% reduction will be applied to BI, PD, CSL, FPB (Medical Expense, Income Loss and Accidental Death Benefits only) and Coll.

PA law requires that Financial Responsibility coverages be kept in force throughout the policy period on all registered autos. Because coverage is provided for a full year at a reduced rate, neither the auto with this reduced rate nor individual coverages written on such auto are to be cancelled during the policy period. Only after the Named Insured has actually disposed of the auto will it be removed from the policy.

Safe Driver Discount

Violation and chargeable accident are based upon the parameters defined in PA Title 31 Chapter 67.33, Title 75 Section 1793 and Title 75 Section 1799.

New Business - Exchange only

A discount will be applied to a new business policy on which all listed drivers:

• are moving violation free; and • have had no paid claims,

during the three years prior to the new policy effective date. The discount will apply on the New Business Policy if the driver responsible for the moving violation and/or paid claim is now deceased or excluded from coverage.

BI, PD, CSL and Coll rates on PPAs, Motor Homes, Electric Autos, Regular Use Antiques, Classics and Special Interest Autos will receive the discount.

The discount will be removed at renewal if a DDP accident surcharge for an existing listed driver is added to the policy, or would have been added to the policy were it not forgiven by First Accident Forgiveness. If not removed, the policy will continue to receive the New Business Discount until the amount of the Renewal Business Discount is greater than the amount of the New Business Discount. Once the Renewal Business Discount is greater, the policy will receive the Renewal Business Discount and no longer receive the new Business Discount. If a newly added driver has a DDP accident surcharge, the discount will be removed when the new driver is added.

A policy may not be rewritten/spun-off for the purpose of obtaining this discount. If the new policy has an origin date that is prior to the effective date of the new policy for purposes of First Accident Forgiveness or Feature 15, the new policy does not qualify for this discount.

Renewal Business - Exchange only

BI, PD, CSL and Coll on PPAs, Motor Homes, Electric Autos, Regular Use Antiques, Classics and Special Interest Autos may be eligible for a discount. A review period of up to five years (ending at the time of the renewal processing date) will be used to determine if a discount applies. The amount of discount is determined by the origin date of the policy.

For purposes of this rule, an accident is one for which ERIE made payments on any coverage, except FPB (excluding any claim adjustment expense):

• in excess of $1550 for which a surcharge was added to the policy for the first time on or after 7/1/14 but prior to 7/1/17,

• in excess of $1700 for which a surcharge was added to the policy for the first time on or after 7/1/17.



18 EFFECTIVE 6/1/18

The discount will be removed from the policy only if a DDP accident surcharge is added to the policy or would have been added to the policy were it not forgiven by First Accident Forgiveness or by Feature Fifteen, regardless of the number of drivers or vehicles insured on the policy. The discount will not be reduced or removed for a not-at-fault accident.

Once the policy requalifies for the discount, the discount percentage will then be determined by the origin date of the policy.

Refer to the Rates Section to determine the amount of discount that a policy is eligible to receive.

For purposes of this rule:

• if payment for an accident is made under an ERIE policy, the discount will not be reinstated/increased on that policy even if the driver responsible for the accident is removed from that policy.

• the only exception for a discount to be reinstated/increased is if a driver is added with a DDP surcharge for an accident paid by another carrier and that driver is then removed from the policy, the discount will be reinstated/increased if the policy has no other accidents.

• a policy with a DDP accident surcharge is not eligible for the discount. • violations subject to ERIE's DDP will not affect whether the discount applies. • First Accident Forgiveness and Feature Fifteen will have no effect on the use of an at-fault accident to

determine if the discount applies to a policy. • a coverage lapse of 30 days or more is considered an interruption of coverage and initiates a new origin date

and will result in the loss of this discount. • for rewritten or spin-off business from an existing voluntary Erie Insurance Group Auto Policy, the date the

Named Insured was added on the previous policy will be used as the origin date of the new policy. • a policy may not be rewritten/spun-off for the purpose of obtaining or increasing this discount.

New and Renewal Business - Company only

BI, PD, CSL and Coll on PPAs, Motor Homes, Electric Autos, Regular Use Antiques, Classics and Special Interest Autos may be eligible for a discount. A review period of up to five years (ending at the time of the renewal processing date) will be used to determine if a discount applies. The amount of discount is determined by the origin date of the policy.

For purposes of this rule, an accident is one for which ERIE made payments on any coverage, except FPB (excluding any claim adjustment expense:)

• in excess of $1450 for which a surcharge was added to the policy prior to 7/1/14, • in excess of $1550 for which a surcharge was added to the policy for the first time on or after 7/1/14 but prior

to 7/1/17, • in excess of $1700 for which a surcharge was added to the policy for the first time on or after 7/1/17.

The discount will be removed or reduced only if a DDP accident surcharge is added to the policy or would have been added to the policy were it not forgiven by Feature Fifteen, regardless of the number of drivers or vehicles insured on the policy. The discount will not be reduced or removed for a not-at-fault accident.

Once the policy requalifies for the discount, the discount percentage will then be determined by the origin date of the policy.

Refer to the Rates Section to determine the amount of discount that a policy is eligible to receive.

A policy new to ERIE or a policy insured by ERIE for less than three years will qualify for a 5% Safe Driver discount if:

• The combined driving record during the last three years for all drivers on the policy includes: • No major driving violations (2 or more surcharge points under DDP), • No more than one minor driving violation (1 surcharge point under DDP), and • No at-fault accidents (no threshold applies.) • No vehicle on the policy has been driven without insurance in violation of any financial responsibility or

compulsory insurance requirement for the past 12 months.



19 EFFECTIVE 6/1/18

Named Insureds with less than three years driving experience qualify for a 5% Safe Driver discount as long as their driving experience qualifies and the policy qualifies for a Multi-Car Discount.

For purposes of this rule: • if payment for an accident is made under an ERIE policy, the discount will not be reinstated/increased on that

policy even if the driver responsible for the accident is removed from that policy. • the only exception for a discount to be reinstated/increased is if a driver is added with a DDP surcharge for an

accident paid by another carrier and that driver is then removed from the policy, the discount will be reinstated/increased if the policy has no other accidents.

• a policy with a DDP accident surcharge is not eligible for the discount. • violations subject to ERIE's DDP will not affect whether the discount applies except during the first three years

with ERIE. • Feature Fifteen will have no effect on the use of an at-fault accident to determine if the discount applies to a

policy. • a coverage lapse of 30 days or more is considered an interruption of coverage and initiates a new origin date

and will result in the loss of this discount. • for rewritten or spin-off business from an existing voluntary Erie Insurance Group Auto Policy, the date the

Named Insured was added on the previous policy will be used as the origin date of the new policy. • a policy may not be rewritten/spun-off for the purpose of obtaining or increasing this discount.

See Rates Section.

Youthful Driver Discount

The Youthful Driver Discount applies to BI, PD, CSL, Medical Expenses, Income Loss, Combination Package, Accidental Death, Comp and Coll on PPAs, Customized Vehicles, Regular Use Antiques and Classics when the following criteria is satisfied:

• Driver Age Requirement. The young driver must be between the ages of 15 and 20 (driver age is determined as of the policy effective date).

• Marital Status Requirement. The young driver must be unmarried. • Driver's License Requirement. The young driver must have a driver's license. • Driving Record Requirement. During the past 5 years, all drivers in the household must not have any at-

fault claims with a payment in excess of $100. For purposes of this discount, the $100 claim threshold refers to the amount actually paid for the claim less salvage or subrogation. Claims that occurred with other insurers prior to joining ERIE will be considered if they occurred within the past 5 years. During the past 3 years, the youthful driver must not have any moving violations. Any violation, whether surchargeable or not under ERIE's DDP, will render a driver ineligible to receive the Youthful Driver Discount. All other drivers in the household must not have any surchargeable moving violations in the past 3 years; otherwise the youthful driver is ineligible for the discount.

The Youthful Driver Discount is a vehicle level discount. The discount is applicable to the vehicle on which the young driver is rated. If there are multiple young drivers in the household that are rated on separate vehicles, each may be eligible to receive the discount, provided the criteria is met.

See Rates Section for Youthful Driver Discount Factors.

The Youthful Driver Discount will be removed if:

• The young driver has a surchargeable accident over the surcharge threshold of $1550 ($1700 if after July 1, 2017) even if the accident surcharge added to the policy, or would have been added to the policy had it not been forgiven by First Accident Forgiveness or by Feature Fifteen. If an accident occurs that will result in the removal of the discount, the discount will be removed at the policy's next renewal. Accidents by other drivers in the household will not affect the removal of the discount.

• The young driver has a surchargeable moving violation(s). Any surchargeable violation or combination of violations generating 2 or more surcharge points under the DDP Program will result in the discount being removed at the policy’s next renewal. Moving violations by other drivers in the household will not affect the removal of the discount.



20 EFFECTIVE 6/1/18

• The young driver reaches age 21. The discount will be removed at the policy's next renewal after the driver reaches age 21.

• The young driver marries. The discount will be removed at the time the rating class is changed from unmarried to married. (i.e. discount is removed immediately, not at the policy's next renewal).

• If the young driver is receiving the Youthful Driver Discount, the discount will not be removed if the young driver moves out of his or her parents' residence.

Youthful Driver Longevity Discount

Exchange policies only

The Youthful Driver Longevity Discount is available for Exchange policies with unmarried youthful operators based upon the age of the policy.


1. policy age is determined by the origin date and the current policy effective date. Credit will be given for all consecutive years insured on any voluntary Erie Insurance Group Private Passenger Auto Policy including when the rewrite or spin-off was a Named Insured, Domestic Partner or resident relative operator of a private passenger type auto on an ERIE commercial auto, fleet or garage policy.

2. a coverage lapse of 30 days or more is considered an interruption of coverage and initiates a new origin date.

3. for rewritten or spin-off business from an existing voluntary Erie Insurance Group Auto Policy (referenced in 1. above), the date the eligible operator was added to the previous policy will be used as the origin date of the new policy.


1. BI, PD, CSL, all FPB coverages, UM, UIM, Comp and Coll.

2. all private passenger type vehicles (includes customized vans, regular use antique vehicles, and regular use classic vehicles; excludes motor homes) that are being rated with an unmarried youthful operator classification.

See Rates Section for Youthful Driver Longevity Discount Factors.

Surcharges

Defensive Driver Plan (DDP)

Violation and chargeable accident are based upon the parameters defined in PA Title 31 Chapter 67.33, Title 75 Section 1793 and Title 75 Section 1799.

This plan is designed so that drivers who have had accidents and violations pay higher rates than those who have not had accidents and violations.

A. Eligibility

PPAs, Motor Homes, Electric Autos, Antiques, Classics and Special Interest Autos (except those rated as "restricted use") are subject to rating under this plan.

Vehicles that will not be rated under the DDP are:

• Motorcycles, snowmobiles and similar "special type" vehicles. • Autos covered on a Garage policy. • Fleet rated autos. • Commercially rated autos. • Restricted Antiques, Classics and Special Interest Autos. • Driver training vehicles. • Public Autos.

Accidents/violations that occur while using these vehicles will not be considered when rating PPAs, Motor Homes, Electric Autos and regular use Antiques, Classics and Special Interest Autos.



21 EFFECTIVE 6/1/18

C. Application of a Surcharge Surcharges are always associated with the driver involved in the accident/violation. When two or more autos are insured, any surcharge will be applied to the auto, or its replacement, which is principally operated by that driver. When the surcharge is applicable to a youthful operator who is the owner or principal operator of two or more autos, assign the surcharge to the auto at the highest level of priority listed below:

1. Newest Model Year Auto: 2. Auto with the highest Symbol; 3. Auto with the highest annual mileage.

Violations which result in a conviction can be surcharged. Surcharge points are assigned as follows. No higher rate or surcharge shall be charged for first time Title 75 Section 1535 violations and convictions.

Violation Surcharge Points Surcharge Points

Speeding 1 Reckless/Improper Driving 1 Permitting Unlicensed Operator to Drive 1 Improper Passing (including passing on wrong side, passing in a no passing zone, etc.) 1 Any other moving violation 1 License Suspension due to point accumulation or moving traffic violation* 2 Financial Responsibility Filing due to point accumulation or moving traffic violation 2 Hit-and-run or leaving the scene of an accident. (A violation for leaving the scene of an accident involving property damage only will not be considered surchargeable unless an additional violation has occurred within the experience period. Then, 4 surcharge points will be assigned to the combination of violations)

4

Driving while under the influence of alcohol or drugs 4 Drag racing on a public highway 4 Driving under suspension 4 Attempting to evade arrest in an auto 4 Assault with an auto 4 Misdemeanor/felony involving an auto 4

* Except a suspension due to "Failure to stop for school bus with flashing red lights" or "Failure to comply with crossing gate or barrier", although one surcharge point will be assigned for the violation.

Suspensions resulting from the following violations will not generate additional surcharge points over the initial violation/accident: • Driving too fast for conditions and in conjunction with an accident in an active work zone. • Exceeding the maximum speed limit in an active work zone. • Driving 26 miles per hour or more over the posted speed limit for a person under age 18.

Surcharge points for violations accumulate as follows: 1. New Business

Point Accumulation Class Factor Increase 0-1 .0 2-3 (Most recent 2-3 years ago) .10 2-3 (Most recent 1-2 years ago) .20 2-3 (Most recent last year) .30 4-5 (For last 3 years) .60 6-7 (For last 3 years) .90



22 EFFECTIVE 6/1/18

For every additional two surcharge points, add .30 to the total surcharge amount. (8-9 points = 1.20, 10-11 points = 1.50, etc.)

Surcharge points are assigned based on violations which have occurred within 36 months of the effective date of an App. Violations accumulate surcharge points for the Named Insured or any regular driver.

2. Renewal Business

Surcharge points for violations reduce as follows:

Surcharge Points Current Year 1st

Subsequent Renewal

2nd Subsequent

Renewal

3rd Subsequent

Renewal 2-3 Surcharge Points .30 .20 .10 0 4-5 Surcharge Points .60 .40 .20 0 6-7 Surcharge Points .90 .60 .30 0 8-9 Surcharge Points 1.20 .80 .40 0

10-11 Surcharge Points 1.50 1.00 .50 0 12-13 Surcharge Points 1.80 1.20 .60 0 14-15 Surcharge Points 2.10 1.40 .70 0

For each additional two surcharge points, add .30 to "Current Year," .20 to "1st Subsequent Renewal," and .10 to "2nd Subsequent Renewal." (16-17 points reduce as follows: 2.40, 1.60, .80, 0).

Surcharge points are chargeable if they were accumulated during the 36 months ending prior to the processing of the renewal. If a surcharge is not applied at the first renewal following a violation, ERIE reserves the right to apply a full surcharge at a subsequent renewal. The violation must occur while the Named Insured or any regular driver of the auto was driving a vehicle subject to rating under this plan.

D. Accidents • For new business:

• An accident will generate a surcharge if it resulted in a combined total BI, PD, CSL or Coll loss payment in excess of: • $1550 for applications effective prior to 7/1/17, • $1700 for applications effective on and after 7/1/17, not including any claim adjustment expenses.

• Surcharges are assigned based on accidents which have occurred within 36 months of the effective date of an App.

• Accidents accumulate surcharges for the Named Insured or any regular driver. • Surcharges for at-fault accidents will be assigned as follows:

1. For the first surchargeable accident occurring 0-2 years ago, a .30 Surcharge Class Factor Increase applies. If the first surchargeable accident occurred 2-3 years ago, a .10 Surcharge Class Factor Increase applies.

2. For a second surchargeable accident by the same driver occurring within the review period, an additional .70 increase applies.

3. For every additional surchargeable accident by the same driver occurring within the review period, a 1.50 additional increase applies.

• For renewal business: • An accident will generate a surcharge if it resulted in a combined total BI, PD, CSL or Coll loss

costing ERIE more than • $1550 for accidents that occurred and were surcharged prior to renewal date 7/1/17, • $1700 for accidents being surcharged for the first time on and after renewal date 7/1/17, not including any claim adjustment expenses.



23 EFFECTIVE 6/1/18

• In an accident involving two autos insured by ERIE INSURANCE GROUP, a surcharge will not be applied until damages are in excess of the applicable threshold plus the ded amount being waived.

• Surcharges apply if the accident occurred during the 36 months ending prior to the processing of the renewal.

• If a surcharge is not applied at the first renewal following an accident, ERIE reserves the right to apply a full surcharge at a subsequent renewal.

• The accident must occur while the Named Insured or any regular driver of the auto was driving a vehicle subject to rating under this plan.

• Surcharge Class Factor Increases for at-fault accidents will be assigned as follows:

1. For the first surchargeable accident occurring within the review period, a .30 Surcharge Class Factor Increase applies.

2. For a second surchargeable accident by the same driver occurring within the review period, an additional .70 increase applies.

3. For every additional surchargeable accident by the same driver occurring within the review period, an additional 1.50 increase applies.

• Once a surcharge is assigned to a policy, it never reduces. (The only exception is for the first surchargeable accident. The surcharge of .30 reduces to .10 for the last year.)

• Surcharge Class Factor Increases for at-fault accidents for new and renewal business will be assigned as follows:

Accidents per Driver

Current

Year

1st Subsequent

Renewal

2nd Subsequent

Renewal

3rd Subsequent

Renewal 1st Accident within past 0-1 years .30 .30 .10 0 2nd Accident within past 0-1 years .70 .70 .70 0

Each Additional Accident within past 0-1 years 1.50 1.50 1.50 0 1st Accident within past 1-2 years .30 .10 0 0 2nd Accident within past 1-2 years .70 .70 0 0

Each Additional Accident within past 1-2 years 1.50 1.50 0 0 1st Accident within past 2-3 years .10 0 0 0 2nd Accident within past 2-3 years .70 0 0 0

Each Additional Accident within past 2-3 years 1.50 0 0 0

E. Exceptions to Assignment of Surcharge Points/Class Factor Increases

Regardless of cost, Surcharge Points/Class Factor Increases will not be assigned if any of the following apply:

• The Applicant, spouse, domestic partner or any other regular or occasional driver was not at fault. In a two auto accident, a Surcharge Class Factor Increase will not be assigned unless the driver was 50% or more at fault. In an accident involving more than two autos, a Surcharge Class Factor Increase will not be assigned unless the driver was substantially at fault for the accident. For example, in an accident involving 45% liability for Driver A, 35% liability for Driver B and 20% liability for Driver C, Surcharge Class Factor Increases will not be assigned unless the insured driver is Driver A. If in the above example, Driver A and Driver B are both 40% at fault, both are subject to Surcharge Class Factor Increases under this rule.

• The owner or operator has been reimbursed for the accident for at least 60% of the total amount of the paid claim received through subrogation or has obtained a judgment against another driver.

• The auto was lawfully parked. • The auto was struck from the rear by another vehicle and the Applicant or driver was not convicted of a

moving violation. • The auto driven by the Insured was struck by a hit-and-run driver and a report was made to the police

within 24 hours.



24 EFFECTIVE 6/1/18

• The driver of the other auto involved in the accident was convicted of a moving violation and the Applicant or driver was not.

• Payments made involved only payment under FPB or Comp. • The accident occurred while the auto was being driven in response to an emergency call by any paid or

volunteer law enforcement, fire department or first aid personnel. • The responsible operator is now deceased, excluded from coverage or no longer drives the auto regularly

or occasionally.

If it is later learned that a prior accident falls under one of these exceptions, the surcharge will be removed and the premium adjusted.

F. Change of Drivers

Anytime a Named Insured or driver is transferred from one policy to another, within the same company, any chargeable accidents or violations on record for that driver are transferred. Existing surcharges for which the Policyholder or driver was responsible are also transferred.

G. Change of Autos

When autos are transferred from one policy to another, or added to a policy, surcharges will only be applied if new drivers (including young drivers) will be driving and these drivers are the surcharged drivers.

If a policy has been in effect for nine months or longer, the transferred surcharge will be reduced to the next lower amount.

H. Partial Cancellations

When one of the autos on a multi-car policy is cancelled, the surcharge amount and the surcharge points will be transferred as follows:

1. On a policy with two autos, transfer the assigned surcharge amount and points to the remaining auto.

2. When there are more than two autos on a policy, transfer the surcharge amount and points to the auto principally operated by the driver who incurred the surcharge. For occasional, young drivers (Class B and D), transfer the surcharge amount and points to the auto rated for the Class B or D driver.

I. Permitted Drivers

When a permitted driver not listed on the policy is responsible for a chargeable accident/violation, the surcharge will not be applied to the policy until the driver is licensed and added to an Erie policy.

Inexperienced Operator (Applicable to EXCHANGE only)

An inexperienced operator surcharge will be applied to a vehicle principally driven by an individual who has been licensed for three years or less. The number of years of driving experience will determine the percentage of surcharge as follows:

Number of Years Licensed Surcharge Factor 1 or less 1.3 (30%)

2 or less but more than 1 1.2 (20%) 3 or less but more than 2 1.05 (5%)

more than 3 0

1. Eligibility

PPAs, Motor Homes, Electric Autos, Antiques and Classics (except those rated as "restricted" use) are subject to rating under this plan. The inexperienced operator surcharge will not be applied to motorcycles, snowmobiles or similar "special type" vehicles.

2. Application

ERIE will not prorate a principal operator attaining 3 years driving experience during the policy period. The surcharge determined at the time of App or renewal will hold throughout the policy period. This also applies to drivers attaining 1 or 2 years driving experience during the policy period. Surcharges reduce to the next lower percentage at renewal.



25 EFFECTIVE 6/1/18

Surcharges will be applied to the following coverages: BI, PD, CSL, FPB (Medical, Income Loss and Accidental Death), Comp and Coll.

If an inexperienced operator is the principal driver of more than one car, the Inexperienced Operator Surcharge applies only once and is assigned to the vehicle which is driven most frequently.

Performance Car Factor

Refer to Rule 20 for Performance Car definitions.

A. 1989 and Older Model Years - Three performance car categories can apply to autos manufactured before the 1990 model year:

• Hot Car • Sports Car • Warm Car

Models built prior to 1971 are a factor of 1.00. Applicable factors are listed in the Performance Car Factor table in the rates pages. A Performance Car factor does not apply to Warm Cars.

B. 1990 and Newer Model Years - Four performance car categories can apply to autos manufactured for 1990 and newer model years: • High Performance Car • Intermediate Performance Car • Sports Car • Premium Performance Car

Applicable factors are listed in the Performance Car Factor table in the rates pages. Performance car factors doe not apply to 2011 and subsequent model year vehicles.

The above performance car designations and factors never apply to station wagons, vans or minivans regardless of their Weight-to-Horsepower Ratio. They do apply, however, to light duty pickup trucks and sport utility vehicles.

Customer Incentives

If the Rate Protection Endorsement has been purchased, Feature Fifteen and First Accident Forgiveness do not apply.

Feature Fifteen

Company policies written before 12/1/08 and all Exchange policies

ERIE will not apply a DDP surcharge for at-fault accidents presented on a AP-PA which has been continuously in force with ERIE Insurance Group for 15 or more years. For purposes of this rule, credit will be given for all consecutive years insured on any Erie Insurance Group voluntary Auto Policy.

A coverage lapse of 30 days or more is considered an interruption of coverage and initiates a new 15 year period.

Violations subject to ERIE's DDP will continue to result in a surcharge.

Company policies written on or after 12/1/08

Company policies with an inception date of 12/1/08 or newer are not eligible for Feature Fifteen.

First Accident Forgiveness

(Exchange Only)

ERIE will forgive the surcharge on the first at-fault accident which is presented on an ERIE AP-PA after the policy has been in force for three years, unless the at-fault driver has received the benefit of First Accident Forgiveness under another ERIE policy for an accident less than three years ago. If an at-fault accident was over three years ago and was forgiven under another policy more than three years ago, the new policy is eligible for First Accident Forgiveness after it has been in force for three years.

If a Policyholder is rewritten from an Erie Insurance Exchange or voluntary Company AP-PA onto a rewrite Exchange policy, time spent on the previous Exchange or Company policy will count towards satisfying the three year waiting period. Coverage between policies must be continuous and there can be no lapse in coverage for 30



26 EFFECTIVE 6/1/18

days or more. To qualify for this incentive, the policy must be surchargeable accident free for those first three years.

Should a surchargeable accident occur in those first three years, a surcharge waiver will not be given on any future accidents. A coverage lapse of 30 days or more is considered an interruption of coverage and initiates a new 3-year waiting period.


• only one accident surcharge will be forgiven per policy. Any surchargeable accident on a policy precludes another forgiven surchargeable accident, even if the driver who was responsible for the accident is removed from the policy prior to renewal.

• if the Named Insured has more than one AP-PA with ERIE, only one accident surcharge will be forgiven. Accidents which occur on any additional ERIE policies will be subject to ERIE's DDP.

• violations subject to ERIE's DDP will continue to result in a surcharge. • new business subject to ERIE's DDP because of accidents which occurred under another policy will continue

to result in a surcharge. • A policy may not be rewritten for the purpose of reinstating another First Accident Forgiveness.

First Accident Forgiveness and Feature Fifteen will have no effect on the use of the accident for non-renewal or cancellation purposes or for the calculation of the DDP surcharge for additional accidents. For termination purposes, ERIE will continue to consider all accidents which are permitted by law.

RULE 24 MISCELLANEOUS PASSENGER AUTOS AND TRAILERS Special Interest Autos

Certain autos of particular interest have shown a trend to maintain or appreciate in value (from their original price new) as they become older. For these autos, special rating procedures must be applied to reflect their current market value. The autos listed below have achieved these qualifications, and must be rated under this rule without exception. They may not be insured as antique or classic cars. Please note that approval is required from Personal Auto Underwriting before binding coverage on these autos.

AC Cobra Roadster 260 (1962) (may also be referred to as "Shelby Cobra") AC Cobra Roadster 289 (1962-65) (may also be referred to as "Shelby Cobra") AC Cobra Roadster 427 (1965-68) (may also be referred to as "Shelby Cobra") Allard J2X (1952-54) Aston Martin DB Mark IIIB Drophead Coupe (1958-59) Aston Martin DB4 Convertible (1960-63) Aston Martin DB5 Convertible (1963-64) Aston Martin DB6 Convertible (1965) Aston Martin Volante (1966-68) Bentley Sedanca JY (1946-52) Bentley Continental Convertible (1955-66) Bentley Continental Coupe (1959-66) Bentley Continental Fastback (1952-59) Bentley Continental Sedan (1959-62) Bentley Convertible (1952-55) & (1959-65) Bentley Corniche Drophead Coupe (1969-75) Bentley Flying Spur (1957-66) Bizzarrini 5300GT Strada Coupe (1966-69) BMW 507 Convertible (1956-59) BMW M1 Coupe (1979-80) (high performance) Chevrolet Camaro ZL-1 (1969) Chevrolet Corvette (1953) Chevrolet Corvette L-88 427 (1967-69) Chevrolet Corvette ZL-1 (1969) Chevrolet Impala Z11 409 (1963) Dodge Daytona 426 (1969) Ferrari (All models from 1947 to present) *



27 EFFECTIVE 6/1/18

Ford Fairlane Thunderbolt 427 (1964) Jaguar D-Type Roadster (1954-56) Jaguar XK 120 Roadster (1949) Lamborghini 350GT (1964-66) Lamborghini Countach (1974-90) (high performance) Lamborghini Miura/Miura S (1966-71) (sports car) Lamborghini Miura SV (1971-72) (sports car) Lancia Aurelia Convertible (1956-59) Maserati Ghibli Spyder (1969-72) (high performance) Maserati Mistral Spyder Convertible (1964-69) Maserati 3500 GT Spyder (1960-61) Maserati 3500 GTi Spyder Roadster (1962-64) Mercedes-Benz 300C Cabriolet (1956-57) Mercedes-Benz 300D Convertible (1958-62) Mercedes-Benz 300S (1952-56) Mercedes-Benz 300SC (1956-57) Mercedes-Benz 300SL Gullwing Coupe (1954-56) Mercedes-Benz 300SL Coupe/Roadster (1957-63) Porsche Carrera II (1962-65) Porsche Carrera RS (1973-74) (high performance) Porsche Carrera Speedster (1956-58) Rolls-Royce Phantom V Limousine (1960-67) Rolls-Royce Silver Cloud Drophead Coupe (1956-62) Rolls-Royce Silver Cloud Convertible (1963-66) Toyota 2000GT (1967-70)

* Most Ferrari automobiles are high performance cars. Others are classified as either intermediate performance or sports cars. Please contact your Personal Auto Underwriter to determine performance classifications for Ferrari. For rating purposes, performance car designations and surcharges do not apply to models built prior to 1970. For 1970 and later models, performance car surcharges apply only to regular use autos. Restricted use autos are not surcharged.

Other autos that are in excellent condition should also be rated as Special Interest Autos if they have appreciated from their original price new up to or beyond a present value of $60,000 ($150,000 for 2011 and subsequent model years). A certified appraisal of the auto may be required. Contact your Personal Auto Underwriter if you are not sure whether a particular model should be classified as a Special Interest Auto.

The following rating procedures are for regular and restricted use. No more than 500 miles annually may be driven for vehicles that are rated as restricted use. Mileage above this amount must be rated as regular use. When restricted use is selected, the discounted rates reflect limited use of the vehicle on a year round basis. Because coverage is provided for a full year, neither the vehicle nor individual coverages can be cancelled during the policy period. Only after the Named Insured has actually disposed of the vehicle will it be removed from the policy.

Liability, First Party Benefits, and UM/UIM A. Regular Use

All PPA rules and rates, including discounts and surcharges, apply. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply, except for Ferrari with a model year of 1990 and newer. Ferrari automobiles with a model year of 1990 and newer will be assigned Liability and FPB/UM/UIM Symbol Factors directly from the VIN Table. Charge 100% of the proper PPA rates. For 1970 and newer models, the appropriate performance car surcharge should be applied. Performance Car surcharge amounts are listed under the Order of Calculation in the PPA RATES section.

B. Restricted Use Charge 25% of the proper PPA rates for BI, PD, CSL and FPB coverages. Charge full UM/UIM premium. The restricted use rate does not apply to the Funeral Expenses Benefit or Extraordinary Medical Benefits.



28 EFFECTIVE 6/1/18

PPA discounts or surcharges do not apply, except for the Multi-Policy Discount, the Pay Plan Discount and Accident Prevention Course Discount. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply, except for Ferrari with a model year of 1990 and newer. Ferrari automobiles with a model year of 1990 and newer will be assigned Liability and FPB/UM/UIM Symbol Factors directly from the VIN Table. There is no premium reduction for the Limited Tort option.

Physical Damage

(Minimum deds are $250 Comp and $500 Coll)

NOTE: Phy Dam losses involving special Interest autos will always be settled according to the Stated Amount provision contained in the policy.

2010 & Prior Model Years A. Regular Use

All PPA rules and rates, including discounts and surcharges, apply.

1. Obtain appropriate PPA base rate located in Rates Section. 2. Multiply by the present Model Year factor. For application under this rule, the present model year

matches the current calendar year. 3. Determine the Phy Dam symbol based on Stated Amount. If the Stated Amount exceeds $80,000, contact

your Personal Auto Underwriter. Multiply by this Physical Damage Symbol Factor. 4. Multiply by appropriate ded factors located in Rates Section. 5. Continue with other steps from Order of Calculation as applicable. See Rates Section.

B. Restricted Use PPA Tier Factor applies. PPA discounts and surcharges do not apply except for the Multi-Policy Discount and Pay Plan Discount. 1. Obtain appropriate PPA base rate located in Rates Section. 2. Multiply above rate by appropriate restricted use factor listed below:

Comprehensive: .80 Collision: .65 3. Multiply by the present Model Year factor. For application under this rule, the present model year

matches the current calendar year. 4. Determine the Phy Dam symbol based on Stated Amount. If the Stated Amount exceeds $80,000, contact

your Personal Auto Underwriter. Multiply by this Physical Damage Symbol Factor. 5. Multiply by appropriate Ded Factors. 6. Multiply by the Multi-Policy Discount Factor. 7. Multiply by PPA Tier Factor. 8. Multiply by Pay Plan Factor. 9. Multiply by Renewal Capping Factor. See Rates Pages for appropriate factors.

2011 & Subsequent Model Years ($150,000 and above) A. Regular Use

All PPA rules and rates, including discounts and surcharges, apply. 1. Determine the exact make and model, including the body style of the vehicle (coupe, convertible, etc.).

For example, Ferrari 599 GTB Fiorano coupe. 2. Determine the cost new or the price paid if the vehicle is new. Do not include sales tax or destination

charges when determining this price. If the vehicle is pre-owned, determine the value based on stated amount.

3. Determine the Comp and Coll symbols. 4. Obtain appropriate PPA base rates located in Rates Section. 5. Multiply the Comp base rate by the Comp Symbol factor. Multiply the Coll base rate by the Coll Symbol

factor. 6. Multiply by appropriate Ded Factors located in Rates Section.



29 EFFECTIVE 6/1/18

7. Continue with other steps from Order of Calculation as applicable. See Rates Section.

B. Restricted Use

1. Determine the exact make and model, including the body style of the vehicle (coupe, convertible, etc.) For example, Ferrari 599 GTB Fiorano coupe.

2. Determine the cost new or the price paid. Do not include sales tax or destination charges when determining this price. If the vehicle is pre-owned, determine the value based on stated amount.

3. Determine the Comp and Coll symbols.. 4. Obtain appropriate PPA base rates located in Rates Section. 5. Multiply appropriate base rates by the factors listed below:

Comprehensive: .80 Collision: .65 6. Multiply the Comp base rate by the Comp symbol factor. Multiply the Coll base rate by the Coll Symbol

factor. 7. Multiply by appropriate Ded Factors located in Rates Section. 8. Multiply by Multi-Policy Discount Factor. 9. Multiply by PPA Tier Factor.

10. Multiply by Pay Plan Factor. 11. Multiply by Renewal Capping Factor.

See Rates Pages for appropriate factors.

Antique Autos

Autos that are 25 years or older may be rated as Antique Autos if they have been kept in good running condition and/or licensed as an antique with the Department of Motor Vehicles. Vehicles in poor condition that have not been well-maintained should not be written under this rule regardless of age. Autos listed under the "Special Interest Autos" rule in this section cannot be insured as antiques. They must be rated according to that rule.

ERIE reserves the right to inspect Antique Autos in order to verify their value. The minimum amount for which these autos may be insured is $5,000. Depending upon their usage, they may be rated on a Regular or Restricted Use basis.

Regular Use

The auto is driven for pleasure, work, or business with unlimited mileage.

Restricted Use

The auto is driven less than 500 miles annually. When selected, the discounted rates reflect limited use of the vehicle on a year round basis. Because coverage is provided for a full year, neither the vehicle nor individual coverages can be cancelled during the policy period. Only after the Named Insured has actually disposed of the vehicle will it be removed from the policy.

Liability

A. Regular Use

Apply all current PPA rules and rates including discounts and surcharges. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply.

B. Restricted Use

Charge 25% of the PPA base rate for BI, PD, CSL and FPB coverages. Charge full UM/UIM premium. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply. The restricted use rate does not apply to the Funeral Expenses Benefit or Extraordinary Medical Benefits.

PPA Tier Factor applies. PPA discounts or surcharges do not apply, except for the Multi-Policy Discount, Pay Plan Discount and Accident Prevention Course Discount. There is no premium reduction for the Limited Tort option.

Physical Damage

(Minimum Comp ded is $50)



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NOTE: Phy Dam losses involving antique autos will always be settled according to the Stated Amount provision contained in the policy.

A. Physical Damage Symbol & Model Year

All Antique Autos will be insured on a Stated Amount basis. The Stated Amount should be applied to the 1989 and Older Model Year Autos Price-Symbol Table located in the Physical Damage Symbol Rules section of this manual. Once the Phy Dam symbol has been determined, assign the appropriate model year.

For Antique Autos, the appropriate model year will always be the oldest model year shown on the Model Year/Physical Damage Symbol Factors charts located in the PPA Rates section of this manual.

B. Regular Use

Apply PPA rules and rates including discounts and surcharges. Determine model year and Phy Dam symbol based on Stated Amount.

C. Restricted Use

PPA Tier Factor applies. PPA discounts or surcharges do not apply, except for the Multi-Policy Discount and Pay Plan Discount. There is no premium reduction for the Limited Tort option.

1. Obtain appropriate PPA rate located in Rates Section. 2. Multiply rate developed above by appropriate factor listed below:

Comprehensive: .60 Collision: .30

3. Multiply by the appropriate Model Year factor. For purposes under this rule, the appropriate model year factor will always be the oldest factor displayed on the rates pages.

4. Determine the symbol based on Stated Amount. Multiply by this Physical Damage Symbol Factor. 5. Multiply by appropriate Ded Factors. 6. Multiply by the Multi-Policy Discount Factor. 7. Multiply by PPA Tier Factor. 8. Multiply by Pay Plan Factor 9. Multiply by Renewal Capping Factor.


Classic Autos Autos that are 10 years or older may be rated as Classic Autos if, because of limited production or exceptionally fine workmanship, they have achieved rare or historic interest through being restored, maintained, or preserved. Autos listed under the "Special Interest Autos" rule in this section cannot be insured as classics. They must be rated according to that rule.

ERIE reserves the right to inspect Classic Autos in order to verify their value. The minimum amount for which these autos may be insured is $5,000. Depending upon their usage, they may be rated on a Regular or Restricted Use basis.

Regular Use The auto is driven for pleasure, work, or business with unlimited mileage.

Restricted Use The auto is driven less than 500 miles annually. When selected, the discounted rates reflect limited use of the vehicle on a year round basis. Because coverage is provided for a full year, neither the vehicle nor individual coverages can be cancelled during the policy period. Only after the Named Insured has actually disposed of the vehicle will it be removed from the policy.

Liability A. Regular Use

Apply all current PPA rules and rates including discounts and surcharges. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply for Classic Autos built prior to 1990. For model years 1990 and newer, the factors will be assigned from the VIN table.



31 EFFECTIVE 6/1/18

B. Restricted Use Charge 25% of the PPA base rate for BI, PD, CSL and FPB coverages. Charge full UM/UIM premium. The restricted use rate does not apply to the Funeral Expenses Benefit or Extraordinary Medical Benefits. PPA Tier Factor applies. PPA discounts or surcharges do not apply, except for the Multi-Policy Discount, Pay Plan Discount and Accident Prevention Course. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply. There is no premium reduction for the Limited Tort option.

Physical Damage (Minimum Comp ded is $50) NOTE: Phy Dam losses involving classic autos will always be settled according to the Stated Amount provision contained in the policy. A. Physical Damage Symbol & Model Year

All Classic Autos will be insured on a Stated Amount basis. The Stated Amount should be applied to the appropriate Price-Symbol Table located in the Physical Damage Symbol Rules section of this manual. Once the Phy Dam symbol has been determined, assign the appropriate model year.

B. Regular Use Apply PPA rules and rates including discounts and surcharges. Determine model year and Phy Dam symbol based on Stated Amount.

C. Restricted Use PPA Tier Factor applies. PPA discounts or surcharges do not apply, except for the Multi-Policy Discount and the Pay Plan Discount. There is no premium reduction for the Limited Tort option. 1. Obtain appropriate PPA rate located in Rates Section. 2. Multiply rate developed above by appropriate factor listed below:

Comprehensive: .80 Collision: .50

3. Multiply by the appropriate Model Year factor. 4. Determine the Phy Dam symbol based on Stated Amount. Multiply by this Phy Dam Symbol Factor. 5. Multiply by appropriate Ded Factors. 6. Multiply by the Multi-Policy Discount Factor. 7. Multiply by PPA Tier Factor. 8. Multiply by Pay Plan Factor. 9. Multiply by Renewal Capping Factor.


Replica Autos

Reproductions of Antiques or Classics

Apply proper PPA rules and premiums for both Liability and Phy Dam. Use the appropriate Price-Symbol Table in Rule 199 to determine the Phy Dam Symbol for 2010 and prior model years. For 2011 and subsequent model years, please contact the Home Office. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply. A complete description must appear on the App or Change Request.

Reconstructed Autos

For reconstructed, converted, and custom-built autos, apply the current value to the appropriate Price-Symbol Table in Rule 199 to obtain the proper Phy Dam symbol. For 2011 and subsequent model years, btain the Phy Dam symbols. Custom-built autos include Kit Cars. The "current value" should include the cost of all parts necessary to reconstruct or build the auto. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply. A complete description of the auto must appear on the App or Change Request.

Boat Trailers, Snowmobile Trailers, and Utility Trailers

A complete description including model year, trade name, serial number and cost new must appear on the App or Change Form. Refer to Miscellaneous Vehicle Rates section for Physical Damage rates.



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RULE 25 MISCELLANEOUS COVERAGES

Customized Equipment Coverage - Physical Damage

Definition

Customized Equipment consists of customized or individually adapted items built (or fit) in or upon vans, minivans and pickup trucks. Equipment added to a vehicle to allow a handicapped person to enter, exit or operate the vehicle is not considered customized equipment. Examples of customized equipment include the following:

• Additional Air Conditioning Units* • Beverage Bars • Carpeting* • Cooking Facilities • Decals* • Furnishings • Graphics* • Insulation* • Interior Wall Decorations (including paintings) • Murals • Sink & Ice Box Consoles • Wall Coverings.

* Other than those installed by the manufacturer of the vehicle.

Vans, Minivans and Pickup Trucks can be customized one of three ways:

A. by Van Conversion Dealers who purchase incomplete vans and minivans directly from auto manufacturers. An incomplete van is a stripped unit consisting only of the frame, drivetrain components and a driver's side seat. It is manufactured for the sole purpose of being customized. The van conversion dealer customizes these vehicles and then sells them to auto dealerships.

An incomplete van, minivan or pickup truck can be identified by reviewing the third position of the VIN. The following characters are used by the leading van manufacturers to designate an incomplete vehicle:

Manufacturer Third Position of VIN Chevrolet B

Dodge/Plymouth 6 Ford D GMC D Jeep D

Toyota 5

When one of the above characters appears in the third position of the VIN, the vehicle must be classified as customized. Do not use the PPA Phy Dam symbols which appear in this manual to rate this vehicle. Refer to Premium Determination which follows later in this rule.

B. by the owner of the vehicle who personally installs this equipment. The majority of vans, minivans or pickup trucks customized this way were purchased as complete vehicles and cannot be identified as a customized vehicle by the VIN.

C. by the automobile dealership the customized vehicle is purchased from, through a local van conversion dealer. Such conversions are primarily for special orders and may include both incomplete and complete vehicles.

Premium Determination

Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply.

Comp and/or Coll, when purchased, are provided on customized vans, minivans and pickup trucks. To determine the proper Phy Dam premiums, the following procedures apply:



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2011 & Subsequent Model Years

If the van, minivan or pickup truck is new or used, the following procedure applies:

1. Determine the year, make, model and VIN of the customized vehicle. For example, a 2011 Ford Conversion Van is primarily based on a 2011 Ford Econoline series van. The manufacturer’s name (Ford) and the model (Econoline E-150) can be obtained directly from the exterior of the vehicle.

2. Determine the Phy Dam symbols for the comparable factory-finished vehicle using the 2011 Private Passenger Auto Phy Dam Symbol pages. Separate Comp and Coll symbols must be determined, and will be used to calculate the Phy Dam premium. In the above example, the Phy Dam symbols for a 2011 Ford Econoline E-150 van would apply. These would be the Comp and Coll symbols immediately next to the listing for Econoline E-150 (also referred to as the ‘head symbol’).

3. If a VIN exception is listed under the Phy Dam head symbol, compare VIN positions five thru eight. If there is an exact match to the VIN sequence of the model being symbolled, then use the appropriate Phy Dam symbols for the VIN exception.

The following example is provided for a 2011 customized vehicle: VEHICLE: 2011 Ford Econoline E-150 Conversion Van PRICE NEW: Not Applicable

Physical Damage Symbol Determination Method: 1. Year: 2011

Make: Ford Model: Econoline E-150 VIN: 1FDHE1DL&A

2011 PPA Physical Damage Symbol Page listings for this vehicle: ECONOLINE E-150 Van (head symbol) Comp 13 Coll 16 (&F&HE1DL&A) (VIN exception) Comp 14 Coll 17

2. Because the VIN matches the exception, the resultant symbols would be 14 (Comp) and 17 (Coll). VIN positions five thru eight (HE1DL) are an exact match.

2010 & Prior Model Years

A. If the van, minivan or pickup truck is new: 1. Determine the total amount paid for the vehicle including all customized equipment;

2. Apply this total cost to the appropriate Price-Symbol Table located under Rule 199 in the Physical Damage Symbol Section. The Phy Dam symbol can then be determined.

B. If the van, minivan or pickup truck is used and the cost new of the vehicle is known, follow the premium determination steps outlined in part A. above. If the cost new is unknown, then:

1. Determine the year, make, model and VIN of the customized vehicle. For example, a 1998 Gladiator Van Conversion may be based on a 1998 GMC Savana 1500 Cargo Van. The manufacturer's name (GMC) and model type (Savana 1500) can be obtained directly from the exterior of the vehicle.

2. Determine the Phy Dam symbol for the comparable factory-finished vehicle using the PPA Physical Damage Symbol pages. This Phy Dam symbol will be used to determine the Phy Dam premium. In the above example, the Phy Dam symbol for a 1998 GMC Savana G1500 van would apply.

NOTE: Use the appropriate Phy Dam symbol for the van version of this model, and not the wagon equivalent. The Phy Dam symbol in this example was obtained from the listing "Savana G1500 Van" and not "Savana G1500 Wagon."

3. If a VIN exception is listed under the Phy Dam symbol heading, compare VIN positions five thru eight. If there is an exact match to the VIN sequence of the model you are trying to symbol, then use the Phy Dam symbol for that VIN exception.

The following additional example is provided based on 1. thru 3. above.

VEHICLE: 1993 Mark III Van Conversion PRICE NEW: Unknown



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Physical Damage Symbol Determination Method: 1. Year: 1993

Make: Ford Model: Econoline E-150 VIN: 2FDHE14H&P

2. 1993 PPA Physical Damage Symbol Page listings for this vehicle: Econoline E-150 Van (-7)2 (&FT&E14H&P) (-7)3

3. Resultant Physical Damage Symbol: 3 (NOTE: VIN positions five thru eight ('E14H') are an exact match. Therefore, the VIN exception Phy Dam symbol is used in this example.)

If the make and model of the customized vehicle cannot be determined, contact the Home Office.

Erie Nonowner Plus (AFAZ03)

Available to cover the following nonowned auto exposures:

1. to provide coverage when there are no owned autos.

2. to extend nonowned coverages which are provided by the policy to provide:

a. excess liability coverage on a private passenger auto used in a business occupation.

b. excess Liability Coverage on a government vehicle furnished for regular use.

c. Physical Damage Coverage on a regularly furnished vehicle, including a government owned vehicle.

Comprehensive - $250 deductible applies.

Collision - $500 deductible applies.

Rating is based on whether or not ERIE insures an owned auto.

No discounts or surcharges apply.

Refer to Rate pages.

Erie Auto Plus (AFAZ01)

Includes a Diminishing Deductible feature, a $10,000 Death Benefit and increased limits for Additional Payments.

The rate is $30 per policy.

New Auto Security Coverage (AFAC01) (Not available on Antiques, Classics or Motor Homes.)

Coverage is available if Comp and Collision Coverages are purchased on the auto. Coverage includes:

• New Vehicle Replacement Coverage – applies to an owned private passenger auto which was not previously titled and is totaled within 24 months of acquisition.

• Better Vehicle Replacement Coverage – applies to an older owned private passenger auto which does not qualify for New Replacement Vehicle Coverage.

• Repair Coverage – pays for repairs without a deduction for depreciation for a covered loss other than a total loss.

• Auto Lease/Loan Security Coverage – pays the unpaid balance on a lease or loan for a covered auto in the event of a total loss.

Rate Protection Endorsement (AFPZ02) – Exchange Only

This endorsement is available only on Exchange policies which provide coverage for at least one private passenger type vehicle with a model year of at least 1990.

If the Rate Protection Endorsement is added to the policy, we will only change the policy premium if one or more of the following changes occur:



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https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=AFAZ01&Seq=0&Date=03/01/2015&Type=pdf

https://www.agentexchange.com/AgentSupplies/Scripts/RenderBLOB.asp?Number=AFAC01&Seq=0&Date=09/01/2015&Type=pdf

1. change to the location where an insured vehicle is principally garaged; 2. addition, deletion, or replacement of an auto; 3. addition or deletion of a licensed driver in the household; 4. addition or deletion of coverage; or 5. changes to a limit, deductible, tort selection, multi-policy status, accident prevention course status or

payment plan.

If none of the above changes occur, the annual policy premium will remain the same.

If the policy changes due to conditions 1., 2., or 3., then the entire policy premium will be recalculated using the current rates.

If the policy changes due to condition 4., the premium for existing coverages will remain the same. We will use the rates in effect for the current policy period to rate all newly purchased coverages. The policy premium will reflect any reduction in coverages.

If the policy is amended due to condition 5., the premium will only be modified to reflect the changing policy characteristic (i.e. limits, deductibles, tort selection, multi-policy discount, accident prevention course discount or pay plan discount).

We will use the applicable Exchange factor or discount in effect for the current policy period to rate the changing policy characteristic. If an insured voluntarily initiates a policy characteristic change, then the premium will be recalculated to reflect the initiated change. This is done as follows: New premium = (new factor / old factor) x old premium

Example: If a policyholder with a companion home policy (multi-policy discount of 10%) purchases a life insurance policy with ERIE, we would recalculate the new premium as:

New premium = (0.86 / 0.90) x old premium

Note that the driver cluster, account cluster, vehicle cluster, base pure premium, etc. will not be recalculated.

The rate for this endorsement varies by risk.

See Rates Section.

Sound Equipment

Comp or Coll Ded applies.

Coverage for sound equipment is provided in the AP-PA, without limit, if the sound equipment is permanently installed:

• In the opening of the dash, console or overhead console normally used by the auto manufacturer to install such equipment; or

• By the auto manufacturer in other locations of the auto.

Sound equipment permanently installed by other than the auto manufacturer in a location other than the opening of the dash, console or overhead console, normally used by the auto manufacturer to install such equipment, is subject to the $1,000 limit provided in the AP-PA.

Sound equipment which is not permanently installed is not covered under the AP-PA.

Transportation Expenses

Transportation Expenses resulting from a Comp loss are automatically provided by policy language when a PPA is insured for Comp. A Class 1 – Compact Sedan or $20 per day for other covered Transportation Expenses for up to 45 days per disablement is provided by the policy.

Transportation Expenses resulting from a Coll loss and/or higher classes of Comp loss rentals are available. The corresponding Comp and/or Coll coverages must be purchased in order to buy Transportation Expenses. The same Transportation Expenses rental classes must be purchased for both Comp and Coll. No ded applies. Transportation Expenses Coverage for Coll and higher limits of Transportation Expenses for Comp are not available on Special Interest Autos, Antique Autos or Classic Autos that are rated as "restricted use."



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Transportation Expenses for an auto rental will be provided as indicated below for the Rental Class/Vehicle Type listed on the Dec without regard to the "per day" limit for that class. The "per day" limit will apply for transportation fares, loss of use or a rental in a higher class as indicated below.

Rental Class Vehicle Type

Amount Available for Transportation Fares (Such as Bus or Taxi), Loss of Use, or Rental in Higher Class

(Limited to any amount available after payment is made for applicable rental vehicle for Class indicated on the Dec) Per Day Limit Per Loss Limit

Class 1 Compact Sedan $20 $900 Class 2 Traditional Sedan $25 $1,125 Class 3 Small SUV/Pickup Truck $30 $1,350 Class 4 Minivan/Midsize SUV $35 $1,575 Class 5 Luxury Sedan/Large SUV $40 $1,800

CLASS 1 – Compact Sedan Compact Sedan is a closed auto, generally containing an enclosed cargo compartment at the rear of the vehicle which is not readily accessible from the main cabin of the vehicle, and has a wheelbase less than 106.0 inches and a base price of less than $30,000. Examples include Nissan Versa, Toyota Yaris and Toyota Corolla.

CLASS 2 - Traditional Sedan Traditional Sedan is a closed auto, generally containing an enclosed cargo compartment at the rear of the vehicle which is not readily accessible from the main cabin of the vehicle and has a wheelbase equivalent to or in excess of 106.0 inches and a base price of less than $30,000. Examples include Ford Fusion, Chevy Impala and Chrysler 300. Class 2 Autos include Class 1 Autos.

CLASS 3 – Small SUV / Pickup Truck • Small SUV is generally an auto with a wheelbase less than 107.0 inches and contains an enclosed cargo

compartment at the rear of the vehicle, as opposed to a truck bed or sedan trunk. Examples include Ford Escape, Honda CR-V and Jeep Patriot.

• Pickup truck is generally an auto that accommodates 2 to 4 passengers and contains an open cargo compartment, as opposed to an enclosed compartment or sedan trunk. Examples include Chevy Silverado, Dodge Ram and Ford F150.

Class 3 Autos include Class 1 and Class 2 Autos.

CLASS 4 – Minivan / Midsize SUV • Minivan is generally an auto that accommodates 7 to 8 passengers and contains three rows of seating.

Examples include Chrysler Town and Country, Dodge Grand Caravan and Honda Odyssey.

• Midsize SUV is generally an auto with a wheelbase between 107.0 and 116.0 inches and contains an enclosed cargo compartment at the rear of the vehicle, as opposed to a truck bed or sedan trunk. Examples include Jeep Grand Cherokee, Nissan Pathfinder and Ford Explorer.

Class 4 Autos include Class 1, Class 2 and Class 3 Autos.

CLASS 5 – Luxury Sedan / Large SUV • Luxury sedan is a closed auto, generally containing an enclosed cargo compartment at the rear of the vehicle

which is not readily accessible from the main cabin of the vehicle, has a wheelbase equivalent to or in excess of 106.0 inches and a base price of more than $30,000. Examples include Cadillac (all models) and Audi (all models).

• Large SUV is generally an auto with a wheelbase of greater than 116.0 inches and contains an enclosed cargo compartment at the rear of the vehicle, as opposed to a truck bed or sedan trunk. Examples include Chevy Tahoe, Dodge Durango and GMC Yukon.

Class 5 Autos include Class 1, Class 2, Class 3 and Class 4 Autos.

See Rates Section



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RULE 26 RECREATIONAL CAMPING VEHICLES (RCVs) Extended RCV Physical Damage Coverage (AAAC05)

This endorsement will be attached to every policy that provides Comp and Collision on an owned RCV. This endorsement limits Comp and Collision to named perils when the RCV is not:

• at the insured residence, • in transit, or • temporarily located.

In addition, the following are provided in the event of a covered loss at no additional cost:

• up to $30 per day/$300 per loss for lodging if unable to reach destination while RCV is being repaired

• $1 per mile, not to exceed $300 per loss, to return the RCV to the insured after repairs

• extension of coverage purchased on an owned RCV to a nonowned RCV which is rented or borrowed for more than 45 consecutive days

• up to an additional $1,000 for loss caused by theft of personal effects

Extended Theft Coverage (AAAC04)

Coverage up to $350 is included when Physical Damage is purchased (Theft Coverage applies only when the entire RCV is stolen).

Additional limits are available. Charge $4 for each additional $250 limit. When an additional limit is purchased, theft is then covered whether or not the entire RCV is stolen. A $100 deductible applies to theft. If the entire RCV is stolen, no deductible will apply. The total limit of protection is the basic limit of $350 plus the additional limit shown on the Dec.

To determine the total value of an RCV, include the value of the following items:

• parts, equipment and extras, built into and forming a permanent part of its structure

• awnings, steps, hitching equipment, spare parts, and connected oil or gas tanks for heating or cooking

• appliances, furniture and equipment furnished with the unit in the "Certificate of Origin" or "Sales Invoice" delivered to the owner. Replacements should also be included.

• TV and radio antennas attached to the RCV

• any other permanently attached addition to the RCV

Liability Coverage purchased on the motor vehicle that tows a trailer or camper body extends to the RCV. Pickup caps are not camper bodies.

Private Passenger Use (See Rule 24 for utility trailers; see Commercial Auto Manual if used regularly in business for renting RCV's to others, or if a commercial trailer.)

Definition

Mobile units designed for use as temporary living quarters. They are most often used for recreation. If used as permanent homes, they cannot be insured under this rule. They are defined as follows:

1. Camping Trailers - A recreational structure with collapsible sides mounted on wheels, requiring a separate powered vehicle.

2. Chassis Mounted Campers - A camper coach specifically designed to be permanently mounted on the frame of a truck.

3. Motor Homes (including Mini, Van and Micro Mini Motor Homes) - A coach body specifically designed to be built as a permanent and integral part of a truck or van chassis.

4. Travel Trailers (including Fifth Wheelers) - A recreational structure mounted on wheels, requiring a separate powered vehicle.

5. Truck Campers - A camper body designed to be mounted in the bed of a truck, but can be removed by the use of "camper jacks."



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6. Van Conversions - A custom designed interior for a bare van chassis comprised of all the necessary components required for any recreational vehicle.

To determine the total value of an RCV, include the value of the following items:

• Parts, equipment and extras, built into and forming a permanent part of its structure,

• Awnings, steps, hitching equipment, spare parts, and connected oil or gas tanks for heating or cooking,

• Appliances, furniture and equipment furnished with the unit in the "Certificate of Origin" or "Sales Invoice" delivered to the owner. Replacements should also be included.

• T.V. and radio antennas attached to the RCV, and

• Any other permanently attached addition to the RCV.

(Premiums may have to be adjusted for newly attached items.)

Premium Determination

Motor Homes, including Custom Coach, Mini Motor Homes, Van Conversions and Trans Vans

The Limited Tort Factor does not apply to the rating of these vehicles.

Use PPA rules and rates for all coverages except Road Service. Liability Symbol and FPB/UM/UIM Symbol Factors of 1.00 apply. For Road Service, if insured in the Exchange, charge $5 per vehicle. If insured in the Company, the Road Service charge on these vehicles is $8.

Refer to the appropriate Price-Symbol Table in the Physical Damage Symbol Section to determine the Phy Dam Symbol.

A Motor Home cannot serve as a second auto to allow a Multi-Car Discount, nor is it eligible for the 100% Farm Discount or Reduced Usage Discount.

Special Motor Home Discount

A Special Motor Home discount will be applied if the following criteria are met:

• The vehicle is principally used for recreational purposes,

• The vehicle is insured for Liability Coverages, and

• ERIE insures, for the same individual who owns and principally operates the Motor Home, another PPA on a AP-PA for Liability Coverages.

If so, reduce BI, PD, CSL, FPB, UM/UIM and Coll rates by 70%.

The Special Motor Home discount reflects limited use of the Motor Home on a year-round basis. Because coverage is provided for a full year, neither vehicles nor individual coverages are to be cancelled during the policy period. Only after the Named Insured has actually disposed of the vehicle will it be removed from the policy.

Travel Trailers, including Fifth Wheelers and Camping Trailers

The Limited Tort Factor does not apply to these vehicles.

A. Liability and FPB

Trailers are covered by the insurance bought on the motor vehicle that tows them.

B. Physical Damage

Use the Rating Table located in the Rates section. The App or Change Request should include the following information:

• Model Year • Trade Name • VIN • Cost - New or Used • Date of Purchase.



39 EFFECTIVE 6/1/18

The Road Service charge for these vehicles is $5 per trailer subject to rating in the Exchange. The charge is $8 per trailer for vehicles subject to rating in the Company.

Camper Bodies, including Chassis Mounts


Pickup caps are not Camper Bodies.

A. Liability and FPB

Camper Bodies are covered by the insurance bought on the truck that carries it.

B. Physical Damage

Use the Rating Table located in the Rates section. The App or Change Request should include the following information:

• Model Year • Trade Name • VIN • Cost - New or Used • Date of Purchase.

Road Service may be purchased on the truck on which a Camper Body is mounted. There is no specific Road Service charge for the Camper Body alone.

RCV Trailer, Travel Trailer and Camper Body Rates

A complete description of the trailer or camper body must appear on the App or Change Form. Refer to the Miscellaneous Vehicle Rates section for Physical Damage base rates.

RULE 27 SPECIAL TYPE MISCELLANEOUS VEHICLES

Surcharges or discounts do not apply to the following:

Motorcycles, Mopeds and similar 2 or 3 wheel vehicles used on public roads, including Trail or Mini-Bikes

Racing-design motorcycles and sport bikes require special underwriting review.


Seasonal Usage Factor

A "Seasonal Usage Factor" will be applied to BI, PD, CSL and Coll premiums for motorcycles, mopeds, snowmobiles, etc. The Seasonal Usage Factor considers that these seasonal vehicles are not normally driven the entire year. Therefore, neither these vehicles nor individual coverages may be cancelled during the policy period. When the Named Insured has actually disposed of the vehicles, then we will cancel.

Off-Road Recreational Vehicles

Includes snowmobiles, golf carts*, ATVs, dune buggies, trail bikes, mini bikes, etc. The Limited Tort Factor does not apply to the rating of these vehicles.

* Liability coverage is provided for golf carts in ERIE's HomeProtector Policy, ErieSecure Home, Condo and Tenant Policies.

Trail Bikes, ATVs and Dune Buggies Licensed for Road Use


A. Trail Bikes - If licensed for road use, rate as Motorcycles, Mopeds and similar 2 or 3 wheel motor vehicles used on public roads.

B. ATVs and Dune Buggies - If licensed for road use, rate as a PPA.

RULE 28 MOTORCYCLE ACCESSORIES AND SAFETY RIDING EQUIPMENT (AFPA03 and AFPA04)

A $3,000 limit is automatically provided if Comp or Coll is carried and there is a covered loss. Higher limits are available.



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Coverage is provided for equipment, devices, enhancements and changes, other than those that are original manufacturer installed, that alter the appearance or performance of a covered motorcycle. This includes, but is not limited to:

• any electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or play back recorded media, that are permanently installed on a covered motorcycle using bolts or brackets, including slide-out brackets;

• custom wheels or tires; • custom paint, decals or graphics; • custom plating; • custom exhaust systems; • chromed accessories; • saddle bags; • custom seats; • windshields; • sidecars and trailers; • trike conversion kits; and • other items on the motorcycle not originally provided by the manufacturer.

Coverage is also provided for safety apparel specifically designed to minimize injury from an accident, including, but not limited to:

• helmets; • leathers; • riding boots; • riding gloves; and • protective eyewear.

See Rates Pages for available limits.

RULE 29 RESERVED FOR FUTURE USE



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

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:Attachment(s): PA PPA Filing Memo & Exhibits 6-1-18.pdfItem Status:Status Date:

Satisfied - Item: PA RPE Order Of CalculationComments:Attachment(s): PA RPE Order of Calculation 6-1-2018.pdfItem Status:Status Date:

Satisfied - Item: Cover LetterComments:Attachment(s): PA PPA Rates and Rules 0618.pdfItem Status:Status Date:








PENNSYLVANIA PRIVATE PASSENGER AUTO Section A Introduction and Summary of Effects The attached information contains the details and supporting data relating to changes in Erie Insurance Exchange and Erie Insurance Company Pennsylvania private passenger automobile rates. These rates will apply to all new and renewal policies effective on and after June 1, 2018. The filing includes the following: Base rate changes by coverage and rating zone Revised Rate Lock (Rate Protection Endorsement) rating factors Revised Rate Lock cluster definitions Class Factors Motorcycle Bike Class factors

These changes are discussed in greater detail in Section C. Exhibit A-1, Effects of Change The proposed change for the Erie Insurance Exchange, RPE business is -0.6%. Exhibit A-1, Page 1 shows the effects of this change by coverage. The proposed change for the Erie Insurance Exchange, excluding RPE business is +0.3%. Exhibit A-1, Page 1 shows the effects of this change by coverage. Rate change histograms with the impact of these changes are shown on Exhibit A-1, Page 2. The proposed change for the Erie Insurance Company is +1.4%. Exhibit A-1, Page 1 shows the effects of this change by coverage. Rate change histograms with the impact of these changes are shown on Exhibit A-1, Page 3. The table below provides the impacts of the pending filing on each filed company as well as other companies in our Group. The selected change is in line with the effect of the new corporate tax rate, which we estimate to lower the indication by 0.5-1%.

Company Name Overall Percentage Impact Overall Dollar Impact Erie Insurance Exchange -0.1% -$635,000 Erie Insurance Company +1.4% +$261,000 Flagship Insurance Company No Change $0 Total Group 0.0% -$374,000

Erie Insurance Group 1/17/2018

PENNSYLVANIA PRIVATE PASSENGER AUTOStatewide Average Indicated and Selected Changes by Coverage

Total

Latest Year Limits SELECTED CHANGES

Total Limits Indication Adult Effect of Total

Written Premium (Credibility Base Class Trad Cluster Selected Premium

Coverage At Current Weighted) Rates Factor Changes Factors Change Change

Erie Insurance RPE

Bodily Injury 77,983,143 -7.0% 0.0% 0.0% 0.5% -3.0% -2.5%Property Damage 103,908,506 -8.0% 0.0% 0.0% 0.5% -3.0% -2.5%

Combined Single Limit 4,226,535 1.4% 0.0% 0.0% 0.5% -3.0% -2.5%FPB Medical 30,901,923 11.4% 0.0% 0.0% -0.3% 0.2% -0.1%FPB Income 3,223,803 -6.5% 0.0% 0.0% -0.3% 0.2% -0.1%

FPB Acc Death 671,536 -6.4% 0.0% 0.0% -0.3% 0.2% -0.1%FPB Funeral 536,944 -18.1% 0.0% 0.0% -0.3% 0.2% -0.1%FPB Package 204,769 7.8% 0.0% 0.0% -0.3% 0.2% -0.1%

FPB EMB 440,933 -0.2% 0.0% 0.0% -0.3% 0.2% -0.1%UM BI 4,852,018 7.8% 0.0% 0.0% -0.3% 0.2% -0.1%UIM BI 30,427,518 -0.4% 0.0% 0.0% -0.3% 0.2% -0.1%

UM CSL w/ Ded 125,496 7.8% 0.0% 0.0% -0.3% 0.2% -0.1%UIM CSL w/ Ded 872,722 -0.4% 0.0% 0.0% -0.3% 0.2% -0.1%Comprehensive 67,727,885 12.1% 0.0% 0.0% -1.1% 6.0% 4.9%

Collision 124,318,777 -1.7% 0.0% 0.0% -3.0% 2.1% -1.0%

All Coverages 450,422,508 -0.9% 0.0% 0.0% -0.8% 0.3% -0.6% -$2,650,000

Erie Insurance Exchange excluding RPE

Bodily Injury 99,951,213 0.7% 0.1% -0.2% 0.0% 0.0% -0.1%Property Damage 132,961,915 8.8% 3.4% -0.2% 0.0% 0.0% 3.3%

Combined Single Limit 5,168,336 36.5% 1.6% -0.5% 0.0% 0.0% 1.1%FPB Medical 47,576,274 0.0% 0.4% -0.3% 0.0% 0.0% 0.1%FPB Income 6,545,299 -20.3% 0.1% 0.1% 0.0% 0.0% 0.2%

FPB Acc Death 1,083,927 -11.1% 0.0% -0.4% 0.0% 0.0% -0.4%FPB Funeral 907,360 -15.9% 0.0% 0.0% 0.0% 0.0% 0.0%FPB Package 293,913 -3.2% 0.1% -0.2% 0.0% 0.0% -0.1%

FPB EMB 751,033 -0.5% 0.0% 0.0% 0.0% 0.0% 0.0%UM BI 8,135,047 6.2% 1.1% 0.0% 0.0% 0.0% 1.1%UIM BI 57,009,884 -4.8% -1.3% 0.0% 0.0% 0.0% -1.3%

UM CSL w/ Ded 201,645 6.2% 1.1% 0.0% 0.0% 0.0% 1.1%UIM CSL w/ Ded 1,464,210 -4.8% -1.3% 0.0% 0.0% 0.0% -1.3%Comprehensive 116,941,821 2.2% 1.6% -0.1% 0.0% 0.0% 1.5%

Collision 204,180,899 -4.7% -1.8% 0.1% 0.0% 0.0% -1.7%

All Coverages 683,172,776 0.5% 0.4% -0.1% 0.0% 0.0% 0.3% $2,015,000

Total Erie Insurance Exchange

Bodily Injury 177,934,356 -2.7% 0.1% -0.1% 0.2% -1.3% -1.1%Property Damage 236,870,421 1.4% 1.9% -0.1% 0.2% -1.3% 0.7%

Combined Single Limit 9,394,871 20.7% 0.9% -0.3% 0.2% -1.3% -0.5%FPB Medical 78,478,197 4.5% 0.2% -0.2% -0.1% 0.1% 0.0%FPB Income 9,769,102 -15.7% 0.1% 0.1% -0.1% 0.1% 0.2%

FPB Acc Death 1,755,463 -9.3% 0.0% -0.2% -0.1% 0.1% -0.2%FPB Funeral 1,444,304 -16.7% 0.0% 0.0% -0.1% 0.1% 0.0%FPB Package 498,682 1.3% 0.1% -0.1% -0.1% 0.1% 0.0%

FPB EMB 1,191,966 -0.4% 0.0% 0.0% -0.1% 0.1% 0.0%UM BI 12,987,065 6.8% 0.7% 0.0% -0.1% 0.1% 0.7%UIM BI 87,437,402 -3.3% -0.9% 0.0% -0.1% 0.1% -0.9%

UM CSL w/ Ded 327,141 6.8% 0.7% 0.0% -0.1% 0.1% 0.7%UIM CSL w/ Ded 2,336,932 -3.2% -0.8% 0.0% -0.1% 0.1% -0.8%Comprehensive 184,669,706 5.8% 1.0% -0.1% -0.4% 2.2% 2.7%

Collision 328,499,676 -3.6% -1.1% 0.1% -1.1% 0.8% -1.3%

All Coverages 1,133,595,284 -0.1% 0.2% 0.0% -0.3% 0.1% -0.1% -$635,000

Endorsements 35,556,776 18.7% 0.0% 0.0% 0.0% 0.0% 0.0% $0

Total 1,169,152,059 0.5% 0.2% 0.0% -0.3% 0.1% -0.1% -$635,000

Erie Insurance Company

Bodily Injury 3,132,124 4.2% 2.9% 1.1% 0.0% 0.0% 4.0%Property Damage 4,561,008 2.9% 1.8% 1.1% 0.0% 0.0% 2.9%

Combined Single Limit 104,501 1.5% 2.3% 0.9% 0.0% 0.0% 3.2%FPB Medical 1,305,320 7.7% 3.4% 1.2% 0.0% 0.0% 4.6%FPB Income 126,117 -1.1% -0.8% 1.0% 0.0% 0.0% 0.2%

FPB Acc Death 23,251 -1.4% 0.0% 1.3% 0.0% 0.0% 1.3%FPB Funeral 16,202 -0.5% 0.0% 0.0% 0.0% 0.0% 0.0%FPB Package 2,175 1.4% 4.7% 1.2% 0.0% 0.0% 6.0%

FPB EMB 3,933 4.0% 0.0% 0.0% 0.0% 0.0% 0.0%UM BI 164,896 2.7% 3.2% 0.0% 0.0% 0.0% 3.2%UIM BI 821,753 4.0% 1.6% 0.0% 0.0% 0.0% 1.6%

UM CSL w/ Ded 2,994 2.7% 3.2% 0.0% 0.0% 0.0% 3.2%UIM CSL w/ Ded 17,781 4.0% 1.6% 0.0% 0.0% 0.0% 1.6%Comprehensive 2,271,985 -3.3% -2.4% 1.2% 0.0% 0.0% -1.2%

Collision 5,193,506 -1.5% -2.3% 1.3% 0.0% 0.0% -1.0%

All Coverages 17,747,546 1.4% 0.4% 1.1% 0.0% 0.0% 1.4% $261,000

Endorsements 365,761 84.8% 0.0% 0.0% 0.0% 0.0% 0.0% $0

Total 18,113,307 3.1% 0.3% 1.1% 0.0% 0.0% 1.4% $261,000

\\erieinsurance.com\ho\actuarial\data\personal\auto\pa\20180601\indications\pappind 20180601 filing exhibits.xlsm

Exhibit A-1 Page 1


PENNSYLVANIA PRIVATE PASSENGER AUTO

Exhibit A-1 Page 2

Range of Policy Effects



Exhibit A-1 Page 3

Range of Policy Effects


PENNSYLVANIA PRIVATE PASSENGER AUTO Section B Ratemaking Indications Exhibit B-1, Development of Statewide Rate Level Change by Coverage The development of current rate level indications by coverage is based upon voluntary private passenger auto experience for the Erie Insurance Group. Experience is studied in three segments –policies in the Exchange excluding those with the Rate Protection Endorsement (RPE), policies in the Exchange with the Rate Protection Endorsement (RPE), and policies in the Company. The experience period is the three-year period ending August 31, 2017. Since the indications and assumptions were developed prior to the recent federal tax law changes, they do not include the lower corporate tax rate. We estimate that the tax changes will lower the overall indication by roughly 0.5-1.0%. All liability experience indications have been calculated at total limit premium and loss levels. Physical damage experience is for all deductibles. Exhibit B-1, pages 1 and 2 explain the calculations that are used to determine the indicated change for traditional and RPE business, respectively. Exhibit B-1, Page 3 shows the RPE indications summarized by coverage group. Exhibit B-1, pages 4 through 42 show the development of the indicated change for each coverage (RPE pages 4 – 16, Exchange excluding RPE pages 17 – 29, Company pages 30 – 42). Premiums Written premiums are adjusted for rate changes and then earned, resulting in earned premiums at current (column 2). The rate changes accounted for in these premium at current levels are shown on Exhibit G-1, pages 1 and 2. For RPE business, premiums must also be adjusted to account for the effect of smoothing the premium over several years. Earned premiums are adjusted for premium trends. This trend accounts for changes in premium generated by distribution shifts like class, increased limit, or model year. For all coverages, we have adjusted premium to the level of the latest half-year. For all coverages, we have also projected premium to a future level (one year past the effective date – the average earning date for the new rates). A regression curve is fit to the average earned premium (column 3). An exponential fit is used if the average premiums are decreasing; otherwise, a linear fit is used. The average annual change (4b or 4c for RPE) is calculated from the fitted points. For RPE policies, the observed impact of inflation is also included in the premium trend factor. The projected average earned premium is measured at the date shown in 4a based on the curve and projection factor described in 4b. Adjusted earned premiums at current (column 6) result from premium trend factors applied to earned premiums at current (column 2).


PENNSYLVANIA PRIVATE PASSENGER AUTO Losses Column 7 is actual incurred losses, including allocated loss adjustment expense. Liability experience is on an accident-year basis and physical damage experience is on a calendar-year basis. For comprehensive coverage, catastrophe losses are removed from each half-year experience period. The comprehensive losses are then adjusted by a catastrophe hazard factor based on average catastrophe losses. The catastrophe factor is developed on Exhibit D-6. Losses are adjusted to include loss development, loss trend, and unallocated loss adjustment expense. Loss development factors are shown in column 10. Loss development factors are developed on Exhibit D-5. Loss trend factors are applied in columns 11 and 12. The selected loss trend factor to current (12a) adjusts losses from the midpoint of the half-year period to the middle of the last half-year period. Losses are then projected from the middle of the last half-year period to the average date of loss during the effective period of the new rates using the selected loss cost projection factor (12b). Loss trend factors are developed on Exhibit D-1. The adjustment and other expense factor is applied in column 13. The adjustment and other expense factor is developed on Exhibit D-7. Experience Period Loss Ratio The loss ratios for each full year (column 17) result from the adjusted premiums and losses. Three years of incurred claim counts (column 18) are used to measure credibility (column 19) using the square root method with 3,000 claims as the 100% standard. Accident or calendar year weights (column 20), selected by judgment, are applied to the loss ratios in column 17, resulting in the weighted experience period loss ratio (column 21). Indicated Change When the experience period loss ratio is not fully credible, a trended permissible loss ratio is used as the credibility complement. This complement is shown in column 22. The trended permissible loss ratio is developed on Exhibit B-2. Column 23, the credibility-weighted loss ratio, is developed by credibility-weighting the weighted loss ratio (column 21) with the trended permissible loss ratio (column 22).


PENNSYLVANIA PRIVATE PASSENGER AUTO Indications are developed using the following formula:

Indicated Change = Cred-Wtd Loss Ratio + Trended Fixed Expenses - 1 100% - Variable Expenses The fixed expense and variable expense ratios are shown on Exhibit E-1, pages 1 and 2. Exhibit B-2, Development of Trended Permissible Loss Ratio When our own experience is less than 100% credible, we use a trended permissible loss ratio as the complement to our experience. This exhibit shows the development of the trended permissible loss ratio. The selected premium trend factors in column 3 of the exhibit are for the Exchange and Company combined. Our selected trend factors are projected for a one-year period because we review our rate level on an annual basis. This projected trend is applied to the permissible loss ratios that have been developed on Exhibit E-1. The permissible loss ratio in column 1 of page 1 is developed on Exhibit E-1. Selected loss trend factors (column 2) are the selected “To Future” trends from Exhibit D-1. Selected premium trend factors (column 3) are from item 4b on Exhibit B-1, pages 3 through 42. The combined trend factor in column 4 is column 2 divided by column 3. Applying the combined trend factors, projected from one year past the date of the last rate review to one year past the proposed effective date, to column 1 results in the trended permissible loss ratios (column 6). RPE has all of its fixed expense loaded into liability. Thus, for other coverages we remove fixed expenses from the numerator in the equation for RPE indicated need. We also increase the fixed expense for liability accordingly. See page 2 of this exhibit. Because fixed expenses have changed, the permissible loss ratio must also change. For all coverages but liability, we increase the permissible by the amount of fixed expenses. For liability, we subtract the difference between the increased fixed expense in the last step and the original fixed expense.

ERIE INSURANCE EXCHANGEERIE INSURANCE COMPANY

PENNSYLVANIA PRIVATE PASSENGER AUTOExplanation of Statewide Rate Level Change Development - Traditional Business

Column Explanation

(1) Earned Exposures(2) Total Limits Earned Premiums at Current Rate Level(3) = (2) / (1)

(4) Projected average earned premium at the date in (4a) based on the curve and projection factor described in (4b).

(4a) One year past the proposed effective date. (4b) Annual change in the curve of best fit. (5) = (4) / (3) (6) = (2) x (5)

(7) Total Limits Incurred Losses (including Defense & Cost Containment expenses) Liability: Accident year losses evaluated as of the end of the experience period Physical Damage: Calendar year losses

(8) Catastrophe Losses (applicable to Comprehensive coverage only)(9) From "Development of Catastrophe Factor" exhibit (Comp only)(10) From "Loss Development Study" exhibits(11) Number of years from the midpoint of each "Half Year Ending" experience period

to the midpoint of the latest "Half Year Ending" experience period.(12) = {[1.000 + (12a)] raised to the power of (11)} x [1.000 + (12b) raised to the

power of (12c)](12a) & (12b) From "Loss Trend Factor Development" exhibit

(12c)

(13) From "Development of Adjusting & Other Expense Factors" exhibit(14) = [(7) - (8)] x (9) x (10) x (12) x (13)(15) Full year sums of data from column (6)(16) Full year sums of data from column (14)(17) = (16) / (15)(18) Incurred Claim Counts(19) Credibility uses the square root method with 3,000 claims as the 100% standard.

The three-year total of claim counts is used.(20) Accident/Calendar Year Weights are selected by judgment(21) Sum of the products (17) x (20). If no weights are used, (21) = (17) (22) From "Development of Trended Permissible Loss Ratio" exhibit(23) [(19) x (21)] + [{1.000 - (19)} x (22)]

(24) & (25) From "Development of Permissible Loss Ratio" exhibits(26) = (23) + (24) - 1.000

(25)

Number of years from the midpoint of the latest "Half Year Ending" experience period to (4a)

Exhibit B-1Page 1

ERIE INSURANCE EXCHANGEERIE INSURANCE COMPANY

PENNSYLVANIA PRIVATE PASSENGER AUTOExplanation of Statewide Rate Level Change Development - RPE

Column Explanation

(1) Total Limits Collected Earned Premiums at Current Rate Level(2) Total Limits Earned Premiums at Current Rate Level adjusted to remove the effects of smoothing(3) Earned Exposures

(4) Projection Period(4a) One year past the proposed effective date.

(4b) Selected based on observed inflation (4c) Annual change in the curve of best fit. (5) = (4c) ^ (4) x (4b) ^ ((4) for latest period) (6) = (2) x (5)

(7) Total Limits Incurred Losses (including Defense & Cost Containment expenses) Liability: Accident year losses evaluated as of the end of the experience period Physical Damage: Calendar year losses

(8) Catastrophe Losses (applicable to Comprehensive coverage only)(9) From "Development of Catastrophe Factor" exhibit (Comp only)(10) From "Loss Development Study" exhibits(11) Number of years from the midpoint of each "Half Year Ending" experience period

to the midpoint of the latest "Half Year Ending" experience period.(12) = {[1.000 + (12a)] raised to the power of (11)} x [1.000 + (12b) raised to the

power of (12c)](12a) & (12b) From "Loss Trend Factor Development" exhibit

(12c)

(13) From "Development of Adjusting & Other Expense Factors" exhibit(14) = [(7) - (8)] x (9) x (10) x (12) x (13)(15) Full year sums of data from column (6)(16) Full year sums of data from column (14)(17) = (16) / (15)(18) Incurred Claim Counts(19) Credibility uses the square root method with 3,000 claims as the 100% standard.

The three-year total of claim counts is used.(20) Accident/Calendar Year Weights are selected by judgment(21) Sum of the products (17) x (20). If no weights are used, (21) = (17) (22) From "Development of Trended Permissible Loss Ratio" exhibit(23) [(19) x (21)] + [{1.000 - (19)} x (22)]

(24) & (25) From "Development of Permissible Loss Ratio" exhibits(26) = (23) + (24) - 1.000

(25)

Number of years from the midpoint of the latest "Half Year Ending" experience period to (4a)

Exhibit B-1Page 2

ERIE INSURANCE EXCHANGE

Coverage

Latest Year Total Written Premium at

Current

Total Limits Indication

(Cred-Weighted) Coverage Group

Latest Year Total Written Premium at

Current

Total Limits Indication

(Cred-Weighted)Bodily Injury $77,983,143 -7.0%Property Damage $103,908,506 -8.0%Combined Single Limit $4,226,535 1.4%FPB Medical $30,901,923 11.4%FPB Income $3,223,803 -6.5%FPB Acc Death $671,536 -6.4%FPB Funeral $536,944 -18.1%FPB Package $204,769 7.8%FPB EMB $440,933 -0.2%UM BI $4,852,018 7.8%UIM BI $30,427,518 -0.4%UM CSL w/ Ded $125,496 7.8%UIM CSL w/ Ded $872,722 -0.4%Comprehensive $67,727,885 12.1% Comp $67,727,885 12.1%Collision $124,318,777 -1.7% Collision $124,318,777 -1.7%

*Liability Indication is based on a premium weighting of BI, PD, and CSL.**Other indication is a weighting of all coverages excluding Liabilty, Comprehensive, and Collision.

RPE Indications by Coverage Group

Other** $72,257,662 4.8%

Liability* $186,118,183 -7.4%

Exhibit B-1Page 3

Pennsylvania Private Passenger Auto 1/17/2018

(1) (3) (4) (5)

Total Limits

Collected Premium

Half Year (Smoothed) Earned Earned Trend

Ending Premiums at Current Exposures Exponent Factor

2/28/2015 33,039,887 36,321,814 278,764 4.503 0.9488/31/2015 34,090,729 38,262,189 293,583 4.003 0.9592/29/2016 34,258,789 38,570,147 295,426 3.503 0.9708/31/2016 35,213,581 39,732,478 301,826 3.003 0.9822/28/2017 34,714,806 39,794,854 295,430 2.503 0.9938/31/2017 35,109,866 40,775,819 296,385 2.003 1.005

Total 206,427,658 233,457,302 1,761,414(4a) Earned premiums at current and incurred losses are projected to: 6/1/2019

(4b) Average Annual Premium Projection Factor 1.026(4c) Prem Adjustment for Distributional Exposure Changes 0.977

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year

Total Limits Combined Adjusting

Incurred Catastrophe Catastrophe Loss Trend Loss Trend & Other Adjusted

Half Year Losses as of Losses Hazard Development Period in & Projection Expense Incurred

Ending 8/31/2017 Excluded Factor Factor Years Factor Factor Losses

2/28/2015 18,609,973 0 1.000 1.152 2.50 1.037 1.129 25,099,8388/31/2015 17,575,041 0 1.000 1.152 2.00 1.032 1.129 23,589,7032/29/2016 18,086,779 0 1.000 1.441 1.50 1.028 1.129 30,249,0878/31/2016 14,517,627 0 1.000 1.441 1.00 1.024 1.129 24,185,4132/28/2017 11,792,867 0 1.000 2.190 0.50 1.020 1.129 29,741,1418/31/2017 7,606,570 0 1.000 2.190 0.00 1.016 1.129 19,108,238

Total 88,188,856 151,973,420(12a) Selected Loss Trend Factor to Current: 0.8%(12b) Selected Loss Trend Projection Factor: 0.8% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted

Earned Adjusted Incurred Accident

Year Premiums Incurred Loss Claim Credi- Year

Ending at Current Losses Ratio Count bility Weight

8/31/2015 71,126,519 48,689,541 68.5% 1,662 No8/31/2016 76,430,337 54,434,500 71.2% 1,880 Weights8/31/2017 80,495,988 48,849,379 60.7% 1,941 Used

Total 228,052,844 151,973,420 66.6% 5,483 1.00Credibility uses the square root method with 3,000 claims as the 100% standard.

Indicated Change(21) (22) (23) (24) (25) (26)

Weighted Trended Cred.

Loss Permissible Weighted 100% - IndicatedRatio Loss Loss Fixed Variable Credibility

Ratio Ratio Expenses Expenses Weighted

Total 66.6% 71.1% 66.6% 11.6% 84.1% -7.0%

Adjusted (Unsmoothed) Earned

Earned Premiums Premiums

at Current at Current

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - Bodily Injury RPE

Premiums(2) (6)

Total Limits Adjusted

228,052,844

Losses

Experience Period Loss Ratio

39,017,29439,516,29040,979,698

34,433,08036,693,43937,413,043

(21)

Weighted

Experience

Period

Loss Ratio

66.6%


Exhibit B-1 Page 4


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 42,305,502 47,274,521 278,764 4.503 1.0488/31/2015 43,574,805 49,693,926 293,582 4.003 1.0492/29/2016 43,917,505 50,165,523 295,426 3.503 1.0498/31/2016 44,976,783 51,410,513 301,826 3.003 1.0502/28/2017 42,891,444 49,682,842 295,429 2.503 1.0508/31/2017 42,255,570 49,522,925 296,385 2.003 1.051



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 26,271,999 0 1.000 1.001 2.50 1.132 1.129 33,609,9278/31/2015 26,817,909 0 1.000 1.001 2.00 1.117 1.129 33,853,6982/29/2016 28,590,239 0 1.000 1.003 1.50 1.102 1.129 35,677,4878/31/2016 28,237,467 0 1.000 1.003 1.00 1.086 1.129 34,725,6542/28/2017 27,687,940 0 1.000 1.078 0.50 1.072 1.129 36,124,1918/31/2017 24,466,073 0 1.000 1.078 0.00 1.057 1.129 31,474,001


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 101,672,626 67,463,625 66.4% 25,079 No8/31/2016 106,604,673 70,403,141 66.0% 25,760 Weights8/31/2017 104,215,578 67,598,192 64.9% 23,765 Used






Total 65.8% 71.1% 65.8% 11.6% 84.1% -8.0%

Premiums(2) (6)



Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - Property Damage RPE

52,048,594

49,543,69852,128,92852,623,634

312,492,877



53,981,03952,166,984

Losses


65.8%

(21)

Weighted

Experience

Period

Loss Ratio


Exhibit B-1 Page 5


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 1,787,690 1,968,523 6,585 4.503 0.9978/31/2015 1,830,635 2,054,722 6,906 4.003 1.0032/29/2016 1,828,095 2,063,538 6,923 3.503 1.0098/31/2016 1,870,089 2,125,847 7,080 3.003 1.0152/28/2017 1,815,249 2,092,477 6,919 2.503 1.0218/31/2017 1,814,625 2,115,493 6,948 2.003 1.028

Total 10,946,383 12,420,600 41,360(4a) Earned premiums at current and incurred losses are projected to: 6/1/2019


(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 1,251,136 0 1.000 1.092 2.50 1.074 1.129 1,656,6308/31/2015 810,373 0 1.000 1.092 2.00 1.066 1.129 1,065,0222/29/2016 1,014,274 0 1.000 1.266 1.50 1.057 1.129 1,532,3508/31/2016 1,393,215 0 1.000 1.266 1.00 1.049 1.129 2,088,9182/28/2017 792,603 0 1.000 1.745 0.50 1.041 1.129 1,625,5348/31/2017 695,491 0 1.000 1.745 0.00 1.032 1.129 1,414,036


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 4,023,505 2,721,652 67.6% 531 No8/31/2016 4,239,845 3,621,268 85.4% 562 Weights8/31/2017 4,311,145 3,039,570 70.5% 545 Used






Total 74.6% 71.1% 73.7% 11.6% 84.1% 1.4%


Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - Combined Single Limit Liability RPE

Premiums(2) (6)

2,174,726

1,962,6182,060,8872,082,110

12,574,495




2,157,7352,136,419

Losses


74.6%

(21)

Weighted

Experience

Period

Loss Ratio


Exhibit B-1 Page 6


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 15,108,518 14,230,245 281,366 4.503 0.9108/31/2015 15,730,833 14,919,268 296,273 4.003 0.9202/29/2016 15,548,553 15,175,391 298,012 3.503 0.9318/31/2016 15,638,091 15,649,545 304,103 3.003 0.9412/28/2017 15,091,689 15,517,806 297,142 2.503 0.9528/31/2017 14,985,267 15,744,172 297,599 2.003 0.962



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 11,461,197 0 1.000 1.019 2.50 0.996 1.129 13,132,8038/31/2015 10,834,264 0 1.000 1.019 2.00 0.996 1.129 12,414,4332/29/2016 12,063,986 0 1.000 1.036 1.50 0.997 1.129 14,068,2378/31/2016 11,555,427 0 1.000 1.036 1.00 0.997 1.129 13,475,1882/28/2017 12,070,827 0 1.000 1.005 0.50 0.997 1.129 13,655,0158/31/2017 11,734,446 0 1.000 1.005 0.00 0.998 1.129 13,287,802

Total 69,720,148 80,033,478(12a) Selected Loss Trend Factor to Current: -0.1%(12b) Selected Loss Trend Projection Factor: -0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 26,675,250 25,547,236 95.8% 6,789 No8/31/2016 28,854,511 27,543,425 95.5% 7,211 Weights8/31/2017 29,918,844 26,942,817 90.1% 6,792 Used






Total 93.7% 81.7% 93.7% 0.0% 84.1% 11.4%

Premiums(2) (6)



Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - FPB Medical RPE

15,145,893

12,949,52313,725,72714,128,289

85,448,605



14,726,22214,772,951

Losses


93.7%

(21)

Weighted

Experience

Period

Loss Ratio


Exhibit B-1 Page 7


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 1,721,804 1,595,742 182,143 4.503 0.8938/31/2015 1,775,332 1,656,608 190,413 4.003 0.9052/29/2016 1,738,218 1,667,978 190,201 3.503 0.9178/31/2016 1,733,117 1,703,236 192,542 3.003 0.9292/28/2017 1,649,629 1,663,047 186,258 2.503 0.9428/31/2017 1,608,584 1,655,123 184,233 2.003 0.954



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 1,078,294 0 1.000 1.040 2.50 1.000 1.129 1,266,0908/31/2015 966,364 0 1.000 1.040 2.00 1.000 1.129 1,134,6662/29/2016 1,164,984 0 1.000 1.106 1.50 1.000 1.129 1,454,6858/31/2016 856,778 0 1.000 1.106 1.00 1.000 1.129 1,069,8362/28/2017 747,390 0 1.000 1.537 0.50 1.000 1.129 1,296,9258/31/2017 481,977 0 1.000 1.537 0.00 1.000 1.129 836,362


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 2,924,227 2,400,756 82.1% 434 No8/31/2016 3,111,842 2,524,521 81.1% 436 Weights8/31/2017 3,145,578 2,133,287 67.8% 349 Used






Total 76.9% 81.7% 78.6% 0.0% 84.1% -6.5%

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - FPB Income Loss RPE

Premiums(2) (6)

1,566,5911,578,987

76.9%

(21)

Weighted

Experience

Period

Loss Ratio

9,181,647


1,582,306

1,424,9971,499,2301,529,536




Losses



Exhibit B-1 Page 8


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 325,236 300,281 222,052 4.503 0.9978/31/2015 341,884 318,311 234,886 4.003 0.9982/29/2016 342,937 328,555 237,390 3.503 0.9998/31/2016 350,252 343,988 243,222 3.003 1.0002/28/2017 342,706 346,183 238,780 2.503 1.0018/31/2017 344,007 355,561 240,003 2.003 1.002



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 155,000 0 1.000 1.001 2.50 0.996 1.129 174,4698/31/2015 220,000 0 1.000 1.001 2.00 0.996 1.129 247,6342/29/2016 198,000 0 1.000 1.007 1.50 0.997 1.129 224,4318/31/2016 182,150 0 1.000 1.007 1.00 0.997 1.129 206,4662/28/2017 227,500 0 1.000 1.048 0.50 0.997 1.129 268,3698/31/2017 200,000 0 1.000 1.048 0.00 0.998 1.129 236,165


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 617,054 422,103 68.4% 47 No8/31/2016 672,214 430,897 64.1% 44 Weights8/31/2017 702,802 504,534 71.8% 52 Used

Total 1,992,070 1,357,534 68.1% 143 0.22Credibility uses the square root method with 3,000 claims as the 100% standard.





Total 68.1% 81.7% 78.7% 0.0% 84.1% -6.4%

Premiums(2) (6)



Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - FPB Accidental Death RPE

356,273

299,380317,674328,226

1,992,070



343,988346,529

Losses


68.1%

(21)

Weighted

Experience

Period

Loss Ratio


Exhibit B-1 Page 9


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 273,007 250,242 233,983 4.503 0.9928/31/2015 286,231 264,898 246,757 4.003 0.9942/29/2016 286,872 273,535 248,701 3.503 0.9958/31/2016 291,871 285,674 254,247 3.003 0.9972/28/2017 284,562 286,819 248,941 2.503 0.9988/31/2017 283,810 293,141 249,611 2.003 1.000



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 63,993 0 1.000 1.001 2.50 0.996 1.129 72,0318/31/2015 65,794 0 1.000 1.001 2.00 0.996 1.129 74,0592/29/2016 61,500 0 1.000 1.007 1.50 0.997 1.129 69,7108/31/2016 52,961 0 1.000 1.007 1.00 0.997 1.129 60,0312/28/2017 76,428 0 1.000 1.048 0.50 0.997 1.129 90,1578/31/2017 56,000 0 1.000 1.048 0.00 0.998 1.129 66,126

Total 376,676 432,114(12a) Selected Loss Trend Factor to Current: -0.1%(12b) Selected Loss Trend Projection Factor: -0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 511,548 146,090 28.6% 54 No8/31/2016 556,984 129,741 23.3% 48 Weights8/31/2017 579,386 156,283 27.0% 56 Used

Total 1,647,918 432,114 26.2% 158 0.23Credibility uses the square root method with 3,000 claims as the 100% standard.





Total 26.2% 81.7% 68.9% 0.0% 84.1% -18.1%

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - FPB Funeral RPE

Premiums(2) (6)

286,245293,141

26.2%

(21)

Weighted

Experience

Period

Loss Ratio

1,647,918


284,817

248,240263,308272,167




Losses



Exhibit B-1 Page 10


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 94,002 89,782 712 4.503 0.9668/31/2015 98,150 94,760 748 4.003 0.9702/29/2016 99,490 98,457 770 3.503 0.9758/31/2016 103,534 104,294 801 3.003 0.9792/28/2017 100,806 103,759 788 2.503 0.9848/31/2017 98,770 103,242 786 2.003 0.988

Total 594,752 594,293 4,604(4a) Earned premiums at current and incurred losses are projected to: 6/1/2019


(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 9,272 0 1.000 1.019 2.50 0.996 1.129 10,6258/31/2015 208,758 0 1.000 1.019 2.00 0.996 1.129 239,2052/29/2016 99,288 0 1.000 1.036 1.50 0.997 1.129 115,7838/31/2016 245,018 0 1.000 1.036 1.00 0.997 1.129 285,7242/28/2017 167,767 0 1.000 1.005 0.50 0.997 1.129 189,7858/31/2017 33,200 0 1.000 1.005 0.00 0.998 1.129 37,595

Total 763,303 878,717(12a) Selected Loss Trend Factor to Current: -0.1%(12b) Selected Loss Trend Projection Factor: -0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 178,646 249,830 139.8% 16 No8/31/2016 198,100 401,507 202.7% 10 Weights8/31/2017 204,101 227,380 111.4% 21 Used

Total 580,847 878,717 151.3% 47 0.13Credibility uses the square root method with 3,000 claims as the 100% standard.





Total 151.3% 81.7% 90.7% 0.0% 84.1% 7.8%

Premiums(2) (6)



Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - FPB Package RPE

102,003

86,72991,91795,996

580,847



102,104102,098

Losses


151.3%

(21)

Weighted

Experience

Period

Loss Ratio


Exhibit B-1 Page 11


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 221,165 202,390 7,775 4.503 0.9628/31/2015 233,290 215,527 8,241 4.003 0.9662/29/2016 230,715 219,162 8,240 3.503 0.9718/31/2016 232,670 226,359 8,374 3.003 0.9762/28/2017 225,985 225,766 8,208 2.503 0.9818/31/2017 223,469 228,309 8,190 2.003 0.986

Total 1,367,294 1,317,514 49,028(4a) Earned premiums at current and incurred losses are projected to: 6/1/2019


(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 28,379 0 1.000 1.019 2.50 0.996 1.129 32,5188/31/2015 48,800 0 1.000 1.019 2.00 0.996 1.129 55,9172/29/2016 375,953 0 1.000 1.036 1.50 0.997 1.129 438,4128/31/2016 100,005 0 1.000 1.036 1.00 0.997 1.129 116,6192/28/2017 813,544 0 1.000 1.005 0.50 0.997 1.129 920,3148/31/2017 43,236 0 1.000 1.005 0.00 0.998 1.129 48,960


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 402,898 88,435 21.9% 2 No8/31/2016 433,734 555,031 128.0% 3 Weights8/31/2017 446,590 969,274 217.0% 3 Used






Total 125.7% 81.7% 83.9% 0.0% 84.1% -0.2%

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - FPB Extraordinary Medical Benefits RPE

Premiums(2) (6)

221,477225,113

125.7%

(21)

Weighted

Experience

Period

Loss Ratio

1,283,222


220,927

194,699208,199212,807




Losses



Exhibit B-1 Page 12


(1) (3) (4) (5)

Total Limits

Collected Premium

Half Year (Smoothed) Earned Trend

Ending Earned Prem Exposures Exponent Factor

2/28/2015 2,813,467 2,645,215 275,217 4.503 0.7658/31/2015 3,017,265 2,857,247 289,783 4.003 0.7892/29/2016 2,827,188 2,767,524 291,492 3.503 0.8138/31/2016 2,720,149 2,744,343 297,770 3.003 0.8382/28/2017 2,571,967 2,680,731 291,392 2.503 0.8648/31/2017 2,518,993 2,692,538 292,270 2.003 0.891

Total 16,469,027 16,387,598(4a) Earned premiums at current and incurred losses are projected to:


(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 1,582,826 0 1.000 1.148 2.50 1.005 1.129 2,061,7468/31/2015 1,746,265 0 1.000 1.148 2.00 1.004 1.129 2,272,3732/29/2016 1,541,754 0 1.000 1.375 1.50 1.004 1.129 2,402,9558/31/2016 1,853,374 0 1.000 1.375 1.00 1.003 1.129 2,885,7622/28/2017 1,101,839 0 1.000 3.074 0.50 1.003 1.129 3,835,4568/31/2017 317,018 0 1.000 3.074 0.00 1.002 1.129 1,102,425

Total 8,143,076 14,560,717(12a) Selected Loss Trend Factor to Current: 0.1%(12b) Selected Loss Trend Projection Factor: 0.1% (12c) Projection Period in Years:

(15) (16) (17) (18) (19) (20)

Adjusted




4/30/2009 4,277,957 4,334,119 101.3% 128 No4/30/2010 4,549,757 5,288,717 116.2% 152 Weights4/30/2011 4,715,203 4,937,881 104.7% 78 Used






Total 107.5% 81.7% 90.7% 0.0% 84.1% 7.8%

Experience

Period

Loss Ratio

107.5%

Weighted

2,249,9972,299,7602,316,1522,399,051

13,542,917



Losses

Experience Period Loss Ratio(21)


2,023,5892,254,368

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - Combined Uninsured Motorists (BI, PD, & CSL) RPE

Premiums(2)


(6)


Exhibit B-1 Page 13


(1) (3) (4) (5)

Total Limits

Collected Premium

Half Year (Smoothed) Earned Trend

Ending Earned Prem Exposures Exponent Factor

2/28/2015 17,085,761 15,576,329 274,509 4.503 0.9108/31/2015 17,550,588 16,159,813 289,057 4.003 0.9202/29/2016 16,864,446 16,025,248 290,803 3.503 0.9318/31/2016 16,561,771 16,177,484 297,103 3.003 0.9412/28/2017 15,419,087 15,531,929 290,757 2.503 0.9528/31/2017 14,802,718 15,304,062 291,651 2.003 0.962

Total 98,284,371(4a) Earned premiums at current and incurred losses are projected to:


(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 8,777,329 0 1.000 1.316 2.50 1.005 1.129 13,106,2448/31/2015 7,357,695 0 1.000 1.316 2.00 1.004 1.129 10,975,5262/29/2016 8,278,651 0 1.000 1.800 1.50 1.004 1.129 16,891,1708/31/2016 3,887,222 0 1.000 1.800 1.00 1.003 1.129 7,923,3112/28/2017 4,753,402 0 1.000 3.766 0.50 1.003 1.129 20,271,2118/31/2017 1,622,250 0 1.000 3.766 0.00 1.002 1.129 6,911,300

Total 34,676,549 76,078,762(12a) Selected Loss Trend Factor to Current: 0.1%(12b) Selected Loss Trend Projection Factor: 0.1% (12c) Projection Period in Years:

(15) (16) (17) (18) (19) (20)

Adjusted




4/30/2009 29,041,487 24,081,770 82.9% 311 No4/30/2010 30,142,518 24,814,481 82.3% 265 Weights4/30/2011 29,508,904 27,182,511 92.1% 164 Used






Total 85.8% 81.7% 83.8% 0.0% 84.1% -0.4%

Premiums


14,174,45914,867,02814,919,506

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - Combined Underinsured Motorists (BI, PD, & CSL) RPE

Premiums(2) (6)


Losses

Experience Period Loss Ratio(21)

Weighted

Experience

15,223,012

Period

14,786,39714,722,507

94,774,865 88,692,909

Loss Ratio


Earned Premiums

85.8%


Exhibit B-1 Page 14


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 28,329,013 29,038,944 257,329 4.503 1.1158/31/2015 29,815,259 30,649,343 270,916 4.003 1.1042/29/2016 30,416,295 31,350,606 272,577 3.503 1.0938/31/2016 31,601,116 32,550,380 278,358 3.003 1.0832/28/2017 31,393,327 32,290,012 272,489 2.503 1.0728/31/2017 32,048,879 32,790,396 273,212 2.003 1.061



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 20,965,870 29,484 1.124 1.000 2.50 1.251 1.139 33,531,1978/31/2015 17,600,483 1,088,011 1.124 1.000 2.00 1.220 1.139 25,790,6312/29/2016 24,483,895 96,206 1.124 1.000 1.50 1.190 1.139 37,154,1778/31/2016 18,398,112 839,307 1.124 1.000 1.00 1.161 1.139 26,098,6002/28/2017 25,832,506 53,493 1.124 1.000 0.50 1.133 1.139 37,392,6498/31/2017 19,613,507 672,462 1.124 1.000 0.00 1.105 1.139 26,795,153

Total 126,894,372 2,778,963 186,762,407(12a) Selected Loss Trend Factor to Current: 5.1%(12b) Selected Loss Trend Projection Factor: 5.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 66,215,297 59,321,828 89.6% 30,726 No8/31/2016 69,518,275 63,252,777 91.0% 29,636 Weights8/31/2017 69,405,503 64,187,802 92.5% 28,677 Used






Total 91.0% 82.6% 91.0% 0.0% 81.2% 12.1%

35,252,06234,614,893

Erie Insurance Rate Protection EndorsementDevelopment of Statewide Rate Level Change - Comprehensive RPE

Premiums(2) (6)


34,790,610

32,378,42233,836,87534,266,213




91.0%

(21)

Weighted

Experience

Period

Loss Ratio

205,139,075

Losses



Exhibit B-1 Page 15


(1) (3) (4) (5)

Total Limits

Collected Premium



2/28/2015 47,876,493 56,151,137 242,573 4.503 1.1278/31/2015 52,659,603 58,895,297 255,310 4.003 1.1132/29/2016 54,451,938 59,652,956 256,802 3.503 1.0998/31/2016 56,924,863 61,497,495 262,216 3.003 1.0862/28/2017 56,923,026 60,817,660 256,580 2.503 1.0728/31/2017 58,580,480 61,791,758 257,057 2.003 1.059



(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 40,425,956 0 1.000 1.000 2.50 1.162 1.139 53,504,4818/31/2015 36,681,751 0 1.000 1.000 2.00 1.143 1.139 47,755,1282/29/2016 42,625,128 0 1.000 1.000 1.50 1.124 1.139 54,570,2248/31/2016 37,934,589 0 1.000 1.000 1.00 1.106 1.139 47,787,4922/28/2017 43,404,203 0 1.000 1.000 0.50 1.087 1.139 53,738,4408/31/2017 45,442,594 0 1.000 1.000 0.00 1.069 1.139 55,330,494


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 128,832,798 101,259,609 78.6% 25,922 No8/31/2016 132,344,879 102,357,716 77.3% 26,787 Weights8/31/2017 130,634,004 109,068,934 83.5% 25,687 Used






Total 79.8% 81.6% 79.8% 0.0% 81.2% -1.7%

Loss Ratio

65,550,46665,558,59966,786,28065,196,53265,437,472

63,282,332

Losses


at Current

Erie Insurance Rate Protection Endorsement

79.8%

(21)

Weighted

Experience

Period

391,811,681

Development of Statewide Rate Level Change - Collision

Premiums(2) (6)




at Current


Exhibit B-1 Page 16


(1) (3) (4) (5)

Projected

Average Average Premium

Half Year Earned Earned Earned Trend

Ending Exposures Premium Premium Factor

2/28/2015 471,396 53,172,316 112.80 0.8558/31/2015 464,040 51,960,585 111.97 0.8612/29/2016 460,435 51,119,201 111.02 0.8688/31/2016 462,444 50,306,407 108.78 0.8862/28/2017 468,685 49,478,016 105.57 0.9138/31/2017 479,586 49,696,144 103.62 0.930

Total 2,806,586 305,732,669 96.416/1/2019

0.962

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 28,323,473 0 1.000 1.152 2.50 1.037 1.129 38,200,7328/31/2015 28,124,778 0 1.000 1.152 2.00 1.032 1.129 37,749,8492/29/2016 23,845,995 0 1.000 1.441 1.50 1.028 1.129 39,881,0418/31/2016 20,077,797 0 1.000 1.441 1.00 1.024 1.129 33,448,2922/28/2017 16,528,679 0 1.000 2.190 0.50 1.020 1.129 41,684,6718/31/2017 11,306,014 0 1.000 2.190 0.00 1.016 1.129 28,401,500

Total 128,206,737 0 219,366,085(12a) Selected Loss Trend Factor to Current: 0.8%(12b) Selected Loss Trend Projection Factor: 0.8% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 90,200,394 75,950,581 84.2% 2,360 0.208/31/2016 88,942,943 73,329,333 82.4% 2,404 0.308/31/2017 91,390,843 70,086,171 76.7% 2,908 0.50




Loss Permissible Weighted 100% -

Ratio Loss Loss Fixed Variable IndicatedRatio Ratio Expenses Expenses Change

Total 79.9% 83.1% 79.9% 4.8% 84.1% 0.7%

79.9%

(4b) Annual Premium Projection Factor assuming a selected trend


Weighted

Experience

Losses

Period

(4a) Earned premiums at current and incurred losses are projected to:

44,738,06444,371,46644,571,477

46,217,414270,534,180

(21)

Loss Ratio

Premiums


45,462,330

45,173,429

Premiums

Erie Insurance Exchange (Traditional)

(2)

Premiums

Earned

(6)

AdjustedTotal Limits

Earned

Development of Statewide Rate Level Change - Bodily Injury


Exhibit B-1 Page 17


(1) (3) (4) (5)

Projected




2/28/2015 471,395 67,897,794 144.04 0.9178/31/2015 464,037 66,314,049 142.91 0.9242/29/2016 460,461 65,325,168 141.87 0.9318/31/2016 462,476 64,996,752 140.54 0.9402/28/2017 468,690 65,031,838 138.75 0.9528/31/2017 479,597 65,885,129 137.38 0.962

Total 2,806,656 395,450,730 132.126/1/2019

0.980

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 42,617,097 0 1.000 1.001 2.50 1.132 1.129 54,520,3088/31/2015 40,738,602 0 1.000 1.001 2.00 1.117 1.129 51,426,5412/29/2016 43,029,302 0 1.000 1.003 1.50 1.102 1.129 53,695,8568/31/2016 43,491,445 0 1.000 1.003 1.00 1.086 1.129 53,484,5742/28/2017 44,334,004 0 1.000 1.078 0.50 1.072 1.129 57,842,1528/31/2017 39,201,788 0 1.000 1.078 0.00 1.057 1.129 50,430,534


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 123,536,458 105,946,849 85.8% 38,989 0.208/31/2016 121,914,678 107,180,430 87.9% 38,663 0.308/31/2017 125,291,804 108,272,686 86.4% 36,865 0.50






Total 86.7% 83.2% 86.7% 4.8% 84.1% 8.8%


(2)

Premiums


Total Limits

Earned

Premiums

at Current

62,262,277at Current


Weighted

Development of Statewide Rate Level Change - Property Damage

(6)

Adjusted

Premiums

Earned

61,274,18160,817,731

Experience

Losses


61,096,947

(21)

370,742,94063,381,49461,910,310

Period

Loss Ratio

86.7%


Exhibit B-1 Page 18


(1) (3) (4) (5)

Projected




2/28/2015 9,902 2,613,825 263.97 0.8838/31/2015 9,790 2,567,269 262.23 0.8882/29/2016 9,740 2,531,374 259.89 0.8968/31/2016 9,842 2,516,010 255.64 0.9112/28/2017 10,066 2,520,352 250.38 0.9318/31/2017 10,375 2,561,686 246.91 0.944

Total 59,715 15,310,516 232.986/1/2019

0.970

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 1,469,970 0 1.000 1.092 2.50 1.074 1.129 1,946,3878/31/2015 1,175,183 0 1.000 1.092 2.00 1.066 1.129 1,544,4702/29/2016 2,727,025 0 1.000 1.266 1.50 1.057 1.129 4,119,9488/31/2016 1,551,873 0 1.000 1.266 1.00 1.049 1.129 2,326,8012/28/2017 1,747,573 0 1.000 1.745 0.50 1.041 1.129 3,584,0608/31/2017 848,523 0 1.000 1.745 0.00 1.032 1.129 1,725,174


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 4,587,742 3,490,857 76.1% 782 0.208/31/2016 4,560,196 6,446,749 141.4% 797 0.308/31/2017 4,764,680 5,309,234 111.4% 806 0.50






Total 113.3% 82.9% 110.0% 4.8% 84.1% 36.5%

Losses



(21)



(2)

Premiums

Earned

(6)


Earned

Development of Statewide Rate Level Change - Combined Single Limit Liability

2,268,111

Premiums

2,279,735

2,346,448

Experience

113.3%


2,308,007

Premiums

Period

Loss Ratio

Weighted

2,418,23213,912,618

2,292,085


Exhibit B-1 Page 19


(1) (3) (4) (5)

Projected




2/28/2015 471,489 25,308,285 53.68 0.8718/31/2015 463,985 24,581,427 52.98 0.8822/29/2016 460,137 24,020,367 52.20 0.8958/31/2016 461,147 23,737,599 51.48 0.9082/28/2017 466,469 23,566,438 50.52 0.9258/31/2017 476,399 23,669,123 49.68 0.941

Total 2,799,626 144,883,239 46.736/1/2019

0.969

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 15,585,193 0 1.000 1.019 2.50 0.996 1.129 17,858,2818/31/2015 14,852,453 0 1.000 1.019 2.00 0.996 1.129 17,018,6712/29/2016 15,140,884 0 1.000 1.036 1.50 0.997 1.129 17,656,3168/31/2016 14,208,449 0 1.000 1.036 1.00 0.997 1.129 16,568,9712/28/2017 14,492,714 0 1.000 1.005 0.50 0.997 1.129 16,394,7538/31/2017 16,258,921 0 1.000 1.005 0.00 0.998 1.129 18,411,207

Total 90,538,613 0 103,908,199(12a) Selected Loss Trend Factor to Current: -0.1%(12b) Selected Loss Trend Projection Factor: -0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 43,724,335 34,876,952 79.8% 9,847 0.208/31/2016 43,051,968 34,225,287 79.5% 9,726 0.308/31/2017 44,071,600 34,805,960 79.0% 9,716 0.50






Total 79.3% 81.8% 79.3% 4.8% 84.1% 0.0%


(2)

Premiums


Total Limits

Earned

Premiums

at Current

22,043,516at Current


Weighted

Development of Statewide Rate Level Change - FPB Medical

(6)

Adjusted

Premiums

Earned

21,680,81921,498,228

Experience

Losses


21,553,740

(21)

130,847,90322,272,64521,798,955

Period

Loss Ratio

79.3%


Exhibit B-1 Page 20


(1) (3) (4) (5)

Projected




2/28/2015 345,930 3,278,844 9.48 0.9378/31/2015 341,260 3,218,924 9.43 0.9422/29/2016 339,614 3,178,009 9.36 0.9498/31/2016 340,991 3,171,969 9.30 0.9552/28/2017 345,798 3,187,390 9.22 0.9638/31/2017 354,283 3,239,111 9.14 0.972

Total 2,067,876 19,274,247 8.886/1/2019

0.985

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 1,799,749 0 1.000 1.040 2.50 1.000 1.129 2,113,1938/31/2015 1,584,300 0 1.000 1.040 2.00 1.000 1.129 1,860,2222/29/2016 1,466,116 0 1.000 1.106 1.50 1.000 1.129 1,830,7018/31/2016 1,260,550 0 1.000 1.106 1.00 1.000 1.129 1,574,0162/28/2017 1,234,823 0 1.000 1.537 0.50 1.000 1.129 2,142,7558/31/2017 730,384 0 1.000 1.537 0.00 1.000 1.129 1,267,416


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 6,104,503 3,973,415 65.1% 708 0.208/31/2016 6,045,161 3,404,717 56.3% 629 0.308/31/2017 6,217,873 3,410,171 54.8% 537 0.50






Total 57.3% 80.5% 62.2% 4.8% 84.1% -20.3%


Weighted

Experience


(2)

Premiums

Earned

(6)

Development of Statewide Rate Level Change - FPB Income Loss

Premiums

at Current


Earned

3,148,41618,367,537

3,032,2263,015,931

at Current

3,072,277

Premiums

Loss Ratio

3,069,4573,029,230

Losses



(21)

57.3%

Period


Exhibit B-1 Page 21


(1) (3) (4) (5)

Projected




2/28/2015 389,865 529,384 1.36 1.0078/31/2015 383,023 520,041 1.36 1.0072/29/2016 379,960 515,143 1.36 1.0078/31/2016 380,044 516,159 1.36 1.0072/28/2017 383,739 522,236 1.36 1.0078/31/2017 391,792 534,679 1.36 1.007

Total 2,308,423 3,137,642 1.376/1/2019

1.002

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 280,000 0 1.000 1.001 2.50 0.996 1.129 315,1708/31/2015 195,000 0 1.000 1.001 2.00 0.996 1.129 219,4942/29/2016 138,333 0 1.000 1.007 1.50 0.997 1.129 156,7998/31/2016 230,000 0 1.000 1.007 1.00 0.997 1.129 260,7032/28/2017 160,000 0 1.000 1.048 0.50 0.997 1.129 188,7438/31/2017 155,000 0 1.000 1.048 0.00 0.998 1.129 183,028


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 1,056,771 534,664 50.6% 70 0.208/31/2016 1,038,521 417,502 40.2% 51 0.308/31/2017 1,064,314 371,771 34.9% 37 0.50






Total 39.6% 79.1% 70.0% 4.8% 84.1% -11.1%


(2)

Premiums


Total Limits

Earned

Premiums

at Current

533,090at Current


Weighted

Development of Statewide Rate Level Change - FPB Accidental Death

(6)

Adjusted

Premiums

Earned

523,681518,749

Experience

Losses


519,772

(21)

3,159,606538,422525,892

Period

Loss Ratio

39.6%


Exhibit B-1 Page 22


(1) (3) (4) (5)

Projected




2/28/2015 402,997 470,080 1.17 0.9068/31/2015 396,529 457,163 1.15 0.9222/29/2016 393,839 448,464 1.14 0.9308/31/2016 394,308 444,665 1.13 0.9382/28/2017 398,591 444,554 1.12 0.9468/31/2017 407,226 449,827 1.10 0.964

Total 2,393,490 2,714,753 1.066/1/2019

0.979

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 98,960 0 1.000 1.001 2.50 0.996 1.129 111,3908/31/2015 72,047 0 1.000 1.001 2.00 0.996 1.129 81,0962/29/2016 47,102 0 1.000 1.007 1.50 0.997 1.129 53,3908/31/2016 67,500 0 1.000 1.007 1.00 0.997 1.129 76,5112/28/2017 48,763 0 1.000 1.048 0.50 0.997 1.129 57,5238/31/2017 42,463 0 1.000 1.048 0.00 0.998 1.129 50,141

Total 376,835 0 430,051(12a) Selected Loss Trend Factor to Current: -0.1%(12b) Selected Loss Trend Projection Factor: -0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 847,396 192,486 22.7% 72 0.208/31/2016 834,168 129,901 15.6% 47 0.308/31/2017 854,181 107,664 12.6% 41 0.50

Total 2,535,745 430,051 17.0% 160 0.23Credibility uses the square root method with 3,000 claims as the 100% standard.





Total 15.5% 80.9% 65.9% 4.8% 84.1% -15.9%


Weighted

Experience


(2)

Premiums

Earned

(6)

Development of Statewide Rate Level Change - FPB Funeral

Premiums

at Current


Earned

433,6332,535,745

421,504417,072

at Current

425,892

Premiums

Loss Ratio

420,548417,096

Losses



(21)

15.5%

Period


Exhibit B-1 Page 23


(1) (3) (4) (5)

Projected




2/28/2015 939 129,842 138.28 0.9448/31/2015 963 132,916 138.02 0.9452/29/2016 972 135,113 139.01 0.9398/31/2016 1,004 137,577 137.03 0.9522/28/2017 1,046 141,666 135.44 0.9638/31/2017 1,089 145,411 133.53 0.977

Total 6,013 822,525 130.486/1/2019

0.985

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 241,858 0 1.000 1.019 2.50 0.996 1.129 277,1328/31/2015 77,986 0 1.000 1.019 2.00 0.996 1.129 89,3612/29/2016 76,995 0 1.000 1.036 1.50 0.997 1.129 89,7878/31/2016 46,418 0 1.000 1.036 1.00 0.997 1.129 54,1302/28/2017 12,556 0 1.000 1.005 0.50 0.997 1.129 14,2038/31/2017 35,268 0 1.000 1.005 0.00 0.998 1.129 39,937


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 248,177 366,493 147.7% 34 0.208/31/2016 257,844 143,917 55.8% 23 0.308/31/2017 278,491 54,140 19.4% 17 0.50






Total 56.0% 80.5% 76.6% 4.8% 84.1% -3.2%


(2)

Premiums


Total Limits

Earned

Premiums

at Current

122,571at Current


Weighted

Development of Statewide Rate Level Change - FPB Package

(6)

Adjusted

Premiums

Earned

125,606126,871

Experience

Losses


130,973

(21)

784,512142,067136,424

Period

Loss Ratio

56.0%


Exhibit B-1 Page 24


(1) (3) (4) (5)

Projected




2/28/2015 13,433 403,335 30.03 0.9728/31/2015 13,038 389,622 29.88 0.9772/29/2016 12,752 380,150 29.81 0.9798/31/2016 12,610 374,258 29.68 0.9832/28/2017 12,543 371,528 29.62 0.9858/31/2017 12,642 373,926 29.58 0.987

Total 77,018 2,292,819 29.196/1/2019

0.994

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 815 0 1.000 1.019 2.50 0.996 1.129 9348/31/2015 403,640 0 1.000 1.019 2.00 0.996 1.129 462,5112/29/2016 14,920 0 1.000 1.036 1.50 0.997 1.129 17,3998/31/2016 1,001,496 0 1.000 1.036 1.00 0.997 1.129 1,167,8802/28/2017 52,872 0 1.000 1.005 0.50 0.997 1.129 59,8118/31/2017 20,000 0 1.000 1.005 0.00 0.998 1.129 22,647


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 772,703 463,445 60.0% 6 0.208/31/2016 740,063 1,185,279 160.2% 2 0.308/31/2017 735,020 82,458 11.2% 3 0.50






Total 65.7% 79.7% 78.9% 4.8% 84.1% -0.5%


Weighted

Experience


(2)

Premiums

Earned

(6)

Development of Statewide Rate Level Change - FPB Extraordinary Medical Benefits

Premiums

at Current


Earned

369,0652,247,786

380,661372,167

at Current

392,042

Premiums

Loss Ratio

365,955367,896

Losses



(21)

65.7%

Period


Exhibit B-1 Page 25


(1) (3) (4) (5)

Projected




2/28/2015 465,319 4,070,114 8.75 0.0698/31/2015 458,263 4,030,775 8.80 0.0682/29/2016 455,327 4,000,111 8.79 0.0688/31/2016 457,552 4,007,385 8.76 0.0682/28/2017 463,918 4,043,754 8.72 0.0698/31/2017 474,928 4,114,651 8.66 0.069

Total 2,775,307 24,266,790 0.606/1/2019

0.262

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 2,155,011 0 1.000 1.148 2.50 1.005 1.129 2,807,0588/31/2015 2,294,785 0 1.000 1.148 2.00 1.004 1.129 2,986,1492/29/2016 1,715,269 0 1.000 1.375 1.50 1.004 1.129 2,673,3918/31/2016 1,790,010 0 1.000 1.375 1.00 1.003 1.129 2,787,1042/28/2017 2,163,356 0 1.000 3.074 0.50 1.003 1.129 7,530,5508/31/2017 496,500 0 1.000 3.074 0.00 1.002 1.129 1,726,573


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 7,941,062 5,793,207 73.0% 132 0.208/31/2016 7,848,962 5,460,495 69.6% 155 0.308/31/2017 8,070,048 9,257,123 114.7% 96 0.50






Total 92.8% 79.9% 84.5% 4.8% 84.1% 6.2%

Development of Statewide Rate Level Change - Combined Uninsured Motorists (BI, PD, & CSL)

at Current

(2)

Premiums

Premiums

23,860,072

at Current

4,001,960

3,913,0463,935,916


3,939,102


Weighted

4,082,2303,987,818

(6)

Adjusted

Losses

Earned

92.8%

(21)

Loss Ratio

Experience

Period



Total Limits

Earned

Premiums


Exhibit B-1 Page 26


(1) (3) (4) (5)

Projected




2/28/2015 464,009 28,734,194 61.93 0.0738/31/2015 456,924 28,281,165 61.89 0.0732/29/2016 453,709 28,045,486 61.81 0.0738/31/2016 456,087 28,142,916 61.71 0.0732/28/2017 462,654 28,406,041 61.40 0.0748/31/2017 473,678 28,887,930 60.99 0.074

Total 2,767,061 170,497,732 4.526/1/2019

0.272

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 16,807,852 0 1.000 1.316 2.50 1.005 1.129 25,097,3648/31/2015 10,568,399 0 1.000 1.316 2.00 1.004 1.129 15,764,9552/29/2016 11,235,937 0 1.000 1.800 1.50 1.004 1.129 22,925,0058/31/2016 10,184,713 0 1.000 1.800 1.00 1.003 1.129 20,759,4662/28/2017 6,351,233 0 1.000 3.766 0.50 1.003 1.129 27,085,2768/31/2017 2,510,057 0 1.000 3.766 0.00 1.002 1.129 10,693,640


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 55,674,486 40,862,319 73.4% 458 0.208/31/2016 54,998,658 43,684,471 79.4% 351 0.308/31/2017 56,610,404 37,778,916 66.7% 156 0.50






Total 71.9% 79.9% 75.3% 4.8% 84.1% -4.8%

Weighted

Premiums

27,969,57827,573,561

at Current

Adjusted

27,629,093

Premiums(6)

Total Limits

Earned

Premiums

Development of Statewide Rate Level Change - Combined Underinsured Motorists (BI, PD, & CSL)Erie Insurance Exchange (Traditional)


(2)

Losses


(21)


Experience

Period

27,425,097

at Current

28,045,393

Earned

28,640,826

Loss Ratio

71.9%

167,283,548


Exhibit B-1 Page 27


(1) (3) (4) (5)

Projected




2/28/2015 426,897 48,975,995 114.73 1.2378/31/2015 421,477 49,296,456 116.96 1.2132/29/2016 419,495 50,338,420 120.00 1.1838/31/2016 422,112 52,049,731 123.31 1.1512/28/2017 428,400 54,039,816 126.14 1.1258/31/2017 439,027 56,814,226 129.41 1.097

Total 2,557,408 311,514,644 141.926/1/2019

1.048

(7) (8) (9) (10) (11) (12) (13) (14)

Calendar Year





2/28/2015 32,870,616 1,945,770 1.124 1.000 2.50 1.251 1.139 49,528,4688/31/2015 27,483,098 2,810,695 1.124 1.000 2.00 1.220 1.139 38,535,5282/29/2016 34,165,843 553,567 1.124 1.000 1.50 1.190 1.139 51,207,6598/31/2016 27,367,885 1,037,323 1.124 1.000 1.00 1.161 1.139 39,136,5362/28/2017 37,984,463 53,821 1.124 1.000 0.50 1.133 1.139 55,018,6768/31/2017 33,531,582 1,268,036 1.124 1.000 0.00 1.105 1.139 45,641,974

Total 193,403,488 7,669,212 279,068,841(12a) Selected Loss Trend Factor to Current: 5.1%(12b) Selected Loss Trend Projection Factor: 5.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted

Earned Adjusted Incurred Calendar



8/31/2015 120,379,907 88,063,996 73.2% 48,720 0.208/31/2016 119,459,591 90,344,195 75.6% 45,070 0.308/31/2017 123,119,999 100,660,650 81.8% 46,700 0.50






Total 78.2% 76.6% 78.2% 4.8% 81.2% 2.2%

Weighted

Premiums

Development of Statewide Rate Level Change - Comprehensive

(6)

Adjusted

Premiums

59,550,35159,909,240

at Current

Losses


59,796,601

60,794,793

at Current

62,325,206362,959,497

60,583,306


(21)


Experience


(2)

Premiums

Earned

Total Limits

Earned

Loss Ratio

78.2%

Period


Exhibit B-1 Page 28


(1) (3) (4) (5)

Projected




2/28/2015 403,636 83,913,288 207.89 1.2628/31/2015 399,314 85,561,157 214.27 1.2242/29/2016 397,997 87,920,541 220.91 1.1888/31/2016 401,061 90,972,331 226.83 1.1572/28/2017 407,460 94,478,226 231.87 1.1328/31/2017 417,806 99,211,201 237.46 1.105

Total 2,427,274 542,056,744 262.376/1/2019

1.050

(7) (8) (9) (10) (11) (12) (13) (14)

Calendar Year





2/28/2015 65,588,576 0 1.000 1.000 2.50 1.162 1.139 86,807,6608/31/2015 58,628,696 0 1.000 1.000 2.00 1.143 1.139 76,327,3502/29/2016 56,823,614 0 1.000 1.000 1.50 1.124 1.139 72,747,6368/31/2016 58,616,180 0 1.000 1.000 1.00 1.106 1.139 73,840,7952/28/2017 71,712,219 0 1.000 1.000 0.50 1.087 1.139 88,786,3968/31/2017 55,692,408 0 1.000 1.000 0.00 1.069 1.139 67,810,574


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 210,625,425 163,135,010 77.5% 40,293 0.208/31/2016 209,704,590 146,588,431 69.9% 38,994 0.308/31/2017 216,577,729 156,596,970 72.3% 39,663 0.50






Total 72.6% 75.3% 72.6% 4.8% 81.2% -4.7%

at Current

(21)

Loss Ratio


(2)

Premiums

Earned


(6)

Adjusted

at Current


104,726,856104,449,603

105,898,569

106,949,352

Premiums

105,254,987

109,628,377636,907,744

72.6%


Weighted

Experience

Period

Losses


Total Limits

Earned

Premiums


Exhibit B-1 Page 29


(1) (3) (4) (5)

Projected




2/28/2015 8,414 1,809,942 215.11 0.8618/31/2015 8,110 1,724,661 212.66 0.8712/29/2016 7,863 1,642,710 208.92 0.8878/31/2016 7,839 1,620,375 206.71 0.8962/28/2017 7,807 1,567,135 200.73 0.9238/31/2017 7,885 1,566,786 198.70 0.932

Total 47,918 185.216/1/2019

0.966

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 593,558 0 1.000 1.152 2.50 1.037 1.129 800,5508/31/2015 1,564,210 0 1.000 1.152 2.00 1.032 1.129 2,099,5262/29/2016 812,694 0 1.000 1.441 1.50 1.028 1.129 1,359,1838/31/2016 1,048,782 0 1.000 1.441 1.00 1.024 1.129 1,747,2022/28/2017 378,242 0 1.000 2.190 0.50 1.020 1.129 953,9118/31/2017 340,613 0 1.000 2.190 0.00 1.016 1.129 855,644


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 3,060,540 2,900,076 94.8% 109 0.208/31/2016 2,908,940 3,106,385 106.8% 126 0.308/31/2017 2,906,711 1,809,555 62.3% 106 0.50






Total 82.2% 83.1% 82.8% 4.8% 84.1% 4.2%


1,502,180

Earned

Premiums(2) (6)

Premiums

Earned

Development of Statewide Rate Level Change - Bodily Injury


(21)

Weighted

82.2%

Loss Ratio

Period

at Currentat Current

Premiums

1,460,245

Experience




1,457,084

8,876,191

Losses

1,558,360

9,931,609

1,451,8561,446,466


Exhibit B-1 Page 30


(1) (3) (4) (5)

Projected




2/28/2015 8,412 2,543,104 302.32 0.9198/31/2015 8,110 2,419,624 298.35 0.9312/29/2016 7,862 2,304,223 293.08 0.9488/31/2016 7,839 2,294,139 292.66 0.9492/28/2017 7,807 2,262,718 289.83 0.9588/31/2017 7,886 2,275,601 288.56 0.962

Total 47,916 14,099,409 277.716/1/2019

0.983

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 1,519,637 0 1.000 1.001 2.50 1.132 1.129 1,944,0818/31/2015 1,504,024 0 1.000 1.001 2.00 1.117 1.129 1,898,6112/29/2016 1,420,117 0 1.000 1.003 1.50 1.102 1.129 1,772,1508/31/2016 1,529,373 0 1.000 1.003 1.00 1.086 1.129 1,880,7812/28/2017 1,394,418 0 1.000 1.078 0.50 1.072 1.129 1,819,2848/31/2017 1,281,081 0 1.000 1.078 0.00 1.057 1.129 1,648,027


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 4,589,783 3,842,692 83.7% 1,259 0.208/31/2016 4,361,541 3,652,931 83.8% 1,206 0.308/31/2017 4,356,812 3,467,311 79.6% 1,176 0.50






Total 81.7% 83.2% 81.7% 4.8% 84.1% 2.9%

2,167,684

(6)

Earned Earned

2,252,6702,184,4032,177,138


Premiums

2,337,113at Current

Premiums

Development of Statewide Rate Level Change - Property DamageErie Insurance Company

2,189,128

Experience




(21)

81.7%

Loss Ratio

Premiums

(2)

Period

13,308,136

Losses

Weighted

at Current


Exhibit B-1 Page 31


(1) (3) (4) (5)

Projected




2/28/2015 119 60,976 512.40 1.0198/31/2015 119 58,931 495.22 1.0542/29/2016 113 55,034 487.03 1.0728/31/2016 112 56,422 503.77 1.0362/28/2017 104 53,861 517.89 1.0088/31/2017 108 53,707 497.29 1.050

Total 675 338,931 522.106/1/2019

1.019

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 96,976 0 1.000 1.092 2.50 1.074 1.129 128,4068/31/2015 36,979 0 1.000 1.092 2.00 1.066 1.129 48,5992/29/2016 16,938 0 1.000 1.266 1.50 1.057 1.129 25,5908/31/2016 18,651 0 1.000 1.266 1.00 1.049 1.129 27,9642/28/2017 19,543 0 1.000 1.745 0.50 1.041 1.129 40,0808/31/2017 5,503 0 1.000 1.745 0.00 1.032 1.129 11,188

Total 194,590 0 281,827(12a) Selected Loss Trend Factor to Current: 1.6%(12b) Selected Loss Trend Projection Factor: 1.6% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 124,248 177,005 142.5% 23 0.208/31/2016 117,449 53,554 45.6% 19 0.308/31/2017 110,684 51,268 46.3% 10 0.50






Total 65.3% 82.9% 80.6% 4.8% 84.1% 1.5%

Premiums

58,99658,453

(21)

Losses

56,392

Experience


65.3%

Loss Ratio

Period

352,381

(6)

Development of Statewide Rate Level Change - Combined Single Limit Liability

at Current

54,292

Total Limits

Earned

Adjusted

62,135


62,113


Premiums

(2)

Earned


at Current

Premiums

Weighted


Exhibit B-1 Page 32


(1) (3) (4) (5)

Projected




2/28/2015 8,400 743,524 88.51 0.9168/31/2015 8,105 707,071 87.24 0.9302/29/2016 7,845 675,462 86.10 0.9428/31/2016 7,811 673,044 86.17 0.9412/28/2017 7,758 657,821 84.79 0.9578/31/2017 7,823 656,938 83.98 0.966

Total 47,742 4,113,860 81.116/1/2019

0.983

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 554,107 0 1.000 1.019 2.50 0.996 1.129 634,9238/31/2015 429,237 0 1.000 1.019 2.00 0.996 1.129 491,8412/29/2016 456,892 0 1.000 1.036 1.50 0.997 1.129 532,7988/31/2016 419,228 0 1.000 1.036 1.00 0.997 1.129 488,8762/28/2017 514,485 0 1.000 1.005 0.50 0.997 1.129 582,0078/31/2017 546,780 0 1.000 1.005 0.00 0.998 1.129 619,160


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 1,338,644 1,126,764 84.2% 381 0.208/31/2016 1,269,619 1,021,674 80.5% 328 0.308/31/2017 1,264,137 1,201,167 95.0% 359 0.50






Total 88.5% 81.8% 85.8% 4.8% 84.1% 7.7%

629,535

(6)

Earned Earned

657,576636,285633,334


Premiums

681,068at Current

Premiums

Development of Statewide Rate Level Change - FPB MedicalErie Insurance Company

634,602

Experience




(21)

88.5%

Loss Ratio

Premiums

(2)

Period

3,872,400

Losses

Weighted

at Current


Exhibit B-1 Page 33


(1) (3) (4) (5)

Projected




2/28/2015 5,060 66,486 13.14 0.9688/31/2015 4,868 63,265 13.00 0.9782/29/2016 4,735 61,051 12.89 0.9878/31/2016 4,733 61,036 12.90 0.9862/28/2017 4,747 61,192 12.89 0.9878/31/2017 4,843 62,539 12.91 0.985

Total 28,986 375,569 12.726/1/2019

0.995

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 35,202 0 1.000 1.040 2.50 1.000 1.129 41,3338/31/2015 18,233 0 1.000 1.040 2.00 1.000 1.129 21,4082/29/2016 7,318 0 1.000 1.106 1.50 1.000 1.129 9,1388/31/2016 15,554 0 1.000 1.106 1.00 1.000 1.129 19,4222/28/2017 32,995 0 1.000 1.537 0.50 1.000 1.129 57,2558/31/2017 31,581 0 1.000 1.537 0.00 1.000 1.129 54,802


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 126,231 62,741 49.7% 13 0.208/31/2016 120,438 28,560 23.7% 11 0.308/31/2017 121,998 112,057 91.9% 20 0.50






Total 63.0% 80.5% 78.4% 4.8% 84.1% -1.1%

Premiums

(6)

Development of Statewide Rate Level Change - FPB Income LossErie Insurance Company

Earned

at Current

Adjusted

61,873

61,601

Premiums

60,397

(2)

Earned

Total Limits

60,181

Premiums

368,667

at Current

64,358

60,257

Experience

Weighted




Losses

(21)

Loss Ratio

Period

63.0%


Exhibit B-1 Page 34


(1) (3) (4) (5)

Projected




2/28/2015 5,737 11,277 1.97 1.0668/31/2015 5,557 10,951 1.97 1.0662/29/2016 5,449 10,637 1.95 1.0778/31/2016 5,442 10,868 2.00 1.0502/28/2017 5,513 11,097 2.01 1.0458/31/2017 5,589 11,384 2.04 1.029

Total 33,287 66,214 2.106/1/2019

1.018

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 5,000 0 1.000 1.001 2.50 0.996 1.129 5,6288/31/2015 15,000 0 1.000 1.001 2.00 0.996 1.129 16,8842/29/2016 10,000 0 1.000 1.007 1.50 0.997 1.129 11,3358/31/2016 0 0 1.000 1.007 1.00 0.997 1.129 02/28/2017 5,000 0 1.000 1.048 0.50 0.997 1.129 5,8988/31/2017 5,000 0 1.000 1.048 0.00 0.998 1.129 5,904


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 23,695 22,512 95.0% 3 0.208/31/2016 22,867 11,335 49.6% 2 0.308/31/2017 23,310 11,802 50.6% 2 0.50






Total 59.2% 79.1% 78.1% 4.8% 84.1% -1.4%

11,596

(6)

Earned Earned

11,67411,45611,411


Premiums

12,021at Current

Premiums

Development of Statewide Rate Level Change - FPB Accidental DeathErie Insurance Company

11,714

Experience




(21)

59.2%

Loss Ratio

Premiums

(2)

Period

69,872

Losses

Weighted

at Current


Exhibit B-1 Page 35


(1) (3) (4) (5)

Projected




2/28/2015 6,413 9,011 1.41 0.9088/31/2015 6,205 8,630 1.39 0.9212/29/2016 6,040 8,257 1.37 0.9348/31/2016 5,982 8,117 1.36 0.9412/28/2017 6,035 8,092 1.34 0.9558/31/2017 6,079 8,123 1.34 0.955

Total 36,754 50,230 1.286/1/2019

0.979

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 2,500 0 1.000 1.001 2.50 0.996 1.129 2,8148/31/2015 7,500 0 1.000 1.001 2.00 0.996 1.129 8,4422/29/2016 5,000 0 1.000 1.007 1.50 0.997 1.129 5,6678/31/2016 0 0 1.000 1.007 1.00 0.997 1.129 02/28/2017 1,500 0 1.000 1.048 0.50 0.997 1.129 1,7698/31/2017 2,500 0 1.000 1.048 0.00 0.998 1.129 2,952


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 16,130 11,256 69.8% 4 0.208/31/2016 15,350 5,667 36.9% 2 0.308/31/2017 15,485 4,721 30.5% 2 0.50






Total 40.3% 80.9% 78.9% 4.8% 84.1% -0.5%

Premiums

(6)

Development of Statewide Rate Level Change - FPB FuneralErie Insurance Company

Earned

at Current

Adjusted

7,948

7,757

Premiums

7,728

(2)

Earned

Total Limits

7,638

Premiums

46,965

at Current

8,182

7,712

Experience

Weighted




Losses

(21)

Loss Ratio

Period

40.3%


Exhibit B-1 Page 36


(1) (3) (4) (5)

Projected




2/28/2015 4 1,095 273.75 0.4188/31/2015 4 1,082 270.50 0.4232/29/2016 6 1,289 214.83 0.5338/31/2016 6 1,094 182.33 0.6282/28/2017 6 1,039 173.17 0.6618/31/2017 6 1,103 183.83 0.623

Total 32 6,702 114.456/1/2019

0.831

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 0 0 1.000 1.019 2.50 0.996 1.129 08/31/2015 0 0 1.000 1.019 2.00 0.996 1.129 02/29/2016 0 0 1.000 1.036 1.50 0.997 1.129 08/31/2016 0 0 1.000 1.036 1.00 0.997 1.129 02/28/2017 0 0 1.000 1.005 0.50 0.997 1.129 08/31/2017 0 0 1.000 1.005 0.00 0.998 1.129 0

Total 0 0 0(12a) Selected Loss Trend Factor to Current: -0.1%(12b) Selected Loss Trend Projection Factor: -0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 916 0 0.0% 0 0.208/31/2016 1,374 0 0.0% 0 0.308/31/2017 1,374 0 0.0% 0 0.50

Total 3,664 0 0.0% 0 0.00Credibility uses the square root method with 3,000 claims as the 100% standard.





Total 0.0% 80.5% 80.5% 4.8% 84.1% 1.4%

687

(6)

Earned Earned

458687687


Premiums

458at Current

Premiums

Development of Statewide Rate Level Change - FPB PackageErie Insurance Company

687

Experience




(21)

0.0%

Loss Ratio

Premiums

(2)

Period

3,664

Losses

Weighted

at Current


Exhibit B-1 Page 37


(1) (3) (4) (5)

Projected




2/28/2015 87 2,747 31.57 0.9938/31/2015 79 2,486 31.47 0.9972/29/2016 77 2,441 31.70 0.9898/31/2016 76 2,381 31.33 1.0012/28/2017 68 2,126 31.26 1.0038/31/2017 63 2,011 31.92 0.982

Total 450 14,192 31.366/1/2019

0.996

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 0 0 1.000 1.019 2.50 0.996 1.129 08/31/2015 51,838 0 1.000 1.019 2.00 0.996 1.129 59,3992/29/2016 0 0 1.000 1.036 1.50 0.997 1.129 08/31/2016 0 0 1.000 1.036 1.00 0.997 1.129 02/28/2017 0 0 1.000 1.005 0.50 0.997 1.129 08/31/2017 0 0 1.000 1.005 0.00 0.998 1.129 0


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 5,207 59,399 1140.8% 1 0.208/31/2016 4,797 0 0.0% 0 0.308/31/2017 4,107 0 0.0% 0 0.50






Total 228.2% 79.7% 82.7% 4.8% 84.1% 4.0%

Premiums

(6)

Development of Statewide Rate Level Change - FPB Extraordinary Medical BenefitsErie Insurance Company

Earned

at Current

Adjusted

2,479

1,975

Premiums

2,132

(2)

Earned

Total Limits

2,383

Premiums

14,111

at Current

2,728

2,414

Experience

Weighted




Losses

(21)

Loss Ratio

Period

228.2%


Exhibit B-1 Page 38


(1) (3) (4) (5)

Projected




2/28/2015 7,753 93,055 12.00 0.9548/31/2015 7,490 89,698 11.98 0.9562/29/2016 7,249 86,884 11.99 0.9558/31/2016 7,239 87,234 12.05 0.9502/28/2017 7,220 85,186 11.80 0.9708/31/2017 7,315 84,599 11.57 0.990

Total 44,266 526,656 11.456/1/2019

0.989

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 173,426 0 1.000 1.148 2.50 1.005 1.129 225,9008/31/2015 4,500 0 1.000 1.148 2.00 1.004 1.129 5,8562/29/2016 0 0 1.000 1.375 1.50 1.004 1.129 08/31/2016 89,000 0 1.000 1.375 1.00 1.003 1.129 138,5762/28/2017 0 0 1.000 3.074 0.50 1.003 1.129 08/31/2017 45,000 0 1.000 3.074 0.00 1.002 1.129 156,487


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 174,525 231,756 132.8% 14 0.208/31/2016 165,846 138,576 83.6% 5 0.308/31/2017 166,383 156,487 94.1% 4 0.50






Total 98.7% 79.9% 81.6% 4.8% 84.1% 2.7%

Earned Earned

506,754

Losses

88,774at Currentat Current

83,753

98.7%

Loss Ratio

Period

(21)

PremiumsPremiums


Experience




Weighted

(2) (6)

Premiums

Development of Statewide Rate Level Change - Combined Uninsured Motorists (BI, PD, & CSL)Erie Insurance Company

85,75182,97482,87282,630


Exhibit B-1 Page 39


(1) (3) (4) (5)

Projected




2/28/2015 7,717 437,461 56.69 1.0228/31/2015 7,460 422,087 56.58 1.0242/29/2016 7,222 411,787 57.02 1.0168/31/2016 7,212 413,452 57.33 1.0102/28/2017 7,190 410,558 57.10 1.0148/31/2017 7,282 416,688 57.22 1.012

Total 44,083 2,512,033 57.926/1/2019

1.005

(7) (8) (9) (10) (11) (12) (13) (14)

Accident Year





2/28/2015 370,039 0 1.000 1.316 2.50 1.005 1.129 552,5408/31/2015 500 0 1.000 1.316 2.00 1.004 1.129 7462/29/2016 255,000 0 1.000 1.800 1.50 1.004 1.129 520,2848/31/2016 85,000 0 1.000 1.800 1.00 1.003 1.129 173,2552/28/2017 255,755 0 1.000 3.766 0.50 1.003 1.129 1,090,6858/31/2017 20,000 0 1.000 3.766 0.00 1.002 1.129 85,206

Total 986,294 0 2,422,716(12a) Selected Loss Trend Factor to Current: 0.1%(12b) Selected Loss Trend Projection Factor: 0.1% (12c) Projection Period in Years: 2.003

(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 879,302 553,286 62.9% 15 0.208/31/2016 835,963 693,539 83.0% 9 0.308/31/2017 837,994 1,175,891 140.3% 8 0.50






Total 107.6% 79.9% 82.7% 4.8% 84.1% 4.0%

Premiums

Development of Statewide Rate Level Change - Combined Underinsured Motorists (BI, PD, & CSL)Erie Insurance Company


107.6%

Loss Ratio

Premiums

Earned

Total Limits

Earned

418,376

416,306

Losses

(21)


Period

2,553,259

Premiums

at Current

421,688

Experience

Adjusted

at Current

(2) (6)


Weighted

432,217

417,587

447,085


Exhibit B-1 Page 40


(1) (3) (4) (5)

Projected




2/28/2015 6,130 1,044,659 170.42 1.2078/31/2015 5,959 1,035,977 173.85 1.1832/29/2016 5,826 1,032,371 177.20 1.1618/31/2016 5,810 1,055,389 181.65 1.1322/28/2017 5,780 1,070,587 185.22 1.1108/31/2017 5,859 1,112,639 189.90 1.083

Total 35,364 6,351,622 205.686/1/2019

1.042

(7) (8) (9) (10) (11) (12) (13) (14)

Calendar Year





2/28/2015 761,585 10582 1.124 1.000 2.50 1.251 1.139 1,202,7888/31/2015 451,267 36449 1.124 1.000 2.00 1.220 1.139 647,8992/29/2016 704,179 7275 1.124 1.000 1.50 1.190 1.139 1,061,7208/31/2016 493,427 8963 1.124 1.000 1.00 1.161 1.139 720,0852/28/2017 644,958 2119 1.124 1.000 0.50 1.133 1.139 932,4438/31/2017 568,839 9283 1.124 1.000 0.00 1.105 1.139 791,582


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 2,486,464 1,850,687 74.4% 783 0.208/31/2016 2,393,283 1,781,805 74.5% 725 0.308/31/2017 2,393,340 1,724,025 72.0% 673 0.50






Total 73.2% 76.6% 73.7% 4.8% 81.2% -3.3%

1,194,700

1,225,5611,198,583

1,204,9881,188,352

1,260,903at Current

Earned

Adjusted

73.2%


Premiums

Development of Statewide Rate Level Change - ComprehensiveErie Insurance Company


at Current

Premiums

Weighted

Earned

Total Limits


7,273,087

Experience

Loss Ratio

Period

Losses

(21)

(2) (6)

Premiums


Exhibit B-1 Page 41


(1) (3) (4) (5)

Projected




2/28/2015 5,681 2,390,788 420.84 1.2098/31/2015 5,538 2,383,539 430.40 1.1822/29/2016 5,432 2,391,451 440.25 1.1568/31/2016 5,419 2,458,518 453.68 1.1222/28/2017 5,388 2,472,974 458.98 1.1098/31/2017 5,461 2,550,341 467.01 1.090

Total 32,919 14,647,611 508.946/1/2019

1.042

(7) (8) (9) (10) (11) (12) (13) (14)

Calendar Year





2/28/2015 1,652,476 0 1.000 1.000 2.50 1.162 1.139 2,187,0828/31/2015 1,580,223 0 1.000 1.000 2.00 1.143 1.139 2,057,2562/29/2016 1,392,460 0 1.000 1.000 1.50 1.124 1.139 1,782,6778/31/2016 1,709,856 0 1.000 1.000 1.00 1.106 1.139 2,153,9642/28/2017 1,978,356 0 1.000 1.000 0.50 1.087 1.139 2,449,3898/31/2017 1,519,246 0 1.000 1.000 0.00 1.069 1.139 1,849,820


(15) (16) (17) (18) (19) (20)

Adjusted




8/31/2015 5,707,806 4,244,338 74.4% 883 0.208/31/2016 5,522,974 3,936,641 71.3% 911 0.308/31/2017 5,522,400 4,299,209 77.9% 943 0.50






Total 75.2% 75.3% 75.2% 4.8% 81.2% -1.5%


Loss Ratio

Period

16,753,180

Losses



Weighted

Experience


2,890,463at Current

Total Limits

(21)

Premiums

Earned Earned

at Current


Premiums

2,758,457

2,779,872

2,764,517

2,742,528

Premiums

2,817,343

Adjusted

(2) (6)

75.2%


Exhibit B-1 Page 42

Erie Insurance Exchange 1/17/2018Erie Insurance Company


Development of Trended Permissible Loss Ratio

(1) (2) (3) (4) (5) (6)Selected Selected

Loss Premium Combined Trended Permissible Trend Trend Trend Trend Permissible

Coverage Loss Ratio Factor Factor Factor Period Loss Ratio

Bodily Injury 79.3% 1.008 0.962 1.048 1.00 83.1%Property Damage 79.3% 1.028 0.980 1.049 1.00 83.2%Combined Single Limit 79.3% 1.016 0.971 1.046 1.00 82.9%FPB Medical 79.3% 0.999 0.969 1.031 1.00 81.8%FPB Income 79.3% 1.000 0.985 1.015 1.00 80.5%FPB Acc Death 79.3% 0.999 1.002 0.997 1.00 79.1%FPB Funeral 79.3% 0.999 0.979 1.020 1.00 80.9%FPB Package 79.3% 0.999 0.984 1.015 1.00 80.5%FPB EMB 79.3% 0.999 0.994 1.005 1.00 79.7%UM BI 79.3% 1.001 0.994 1.007 1.00 79.9%UIM BI 79.3% 1.001 0.994 1.007 1.00 79.9%UM CSL w/ Ded 79.3% 1.001 0.998 1.003 1.00 79.5%UIM CSL w/ Ded 79.3% 1.001 1.005 0.996 1.00 79.0%

79.3% 1.001 0.994 1.007 1.00 79.9%

79.3% 1.001 0.994 1.007 1.00 79.9%

Comprehensive 76.4% 1.051 1.048 1.003 1.00 76.6%Collision 76.4% 1.034 1.050 0.985 1.00 75.3%

Column (4) = Column (2) / Column (3)

Column (6) = Column (1) x [Column (4) raised to the power of Column (5)]

Trend factors are projected from one year past the effective date of the last review: 6/1/2018

to one year past the proposed effective date: 6/1/2019

UIM BI and UIM CSL w/ Ded

UM BI and UM CSL w/ Ded

\\erieinsurance.com\ho\actuarial\data\personal\auto\pa\20180601\indications\pappind 20180601 filing exhibits.xlsmExhibit B-2

Page 1

EIE - RATE PROTECTION ENDORSEMENT 1/17/2018

Pennsylvania Private Passenger AutoAdjustments to RPE Fixed Expenses and Permissibles

(1) (2) (3) (4) (5) (6) (7) (8) (9)

TrendedFuture Premium Combined Trended Fixed Liability Liability PLR for

PLR Loss Trend Trend Trend PLR Expense Percentage Fixed Exp Indication

0.793 1.019 1.038 0.982 0.779 4.8% 41.3% 11.6% 0.711

(1) Permissible from Exhibit E-1, Page 1.(2) Loss-weighting of the BI, PD, and CSL To-Future Trends from Exhibit D-1.(3) Liability Premium Trend for RPE business.(4) (2) / (3)(5) (1) x (4)(6) Traditional Fixed Expense Load from Exhibit E-1, Page 1.(7) Liability RPE Premium / Total RPE Premium(8) (6) / (7)(9) (5) - {(8) - (6)}

(1) (2) (3) (4) (5) (6) (7)

TrendedFuture Premium Combined Trended Fixed PLR for

PLR Loss Trend Trend Trend PLR Expense Indication

0.793 1.000 1.031 0.97 0.769 0.048 0.817



0.764 1.051 1.032 1.018 0.778 0.048 0.826



0.764 1.034 1.029 1.005 0.768 0.048 0.816

(1) Permissible from Exhibit E-1, Page 1 or Page 2.(2) To-Future Trends from Exhibit D-1. (For Other, Med and UM are loss-weighted.)(3) Premium Trend for RPE business.(4) (2) / (3)(5) (1) x (4)(6) Traditional Fixed Expense Load from Exhibit E-1, Page 1 or Page 2.(7) (5) + (6)

Liability

Other

Comp

Collision

\\erieinsurance.com\ho\actuarial\data\personal\auto\pa\20180601\indications\pappind 20180601 filing exhibits.xlsm Exhibit B-2 Page 2


PENNSYLVANIA PRIVATE PASSENGER AUTO Section C Rate Development Exhibit C-1, Base Rates Base rate changes vary by coverage and rating zone. We develop base rates by zone for the Exchange based on our loss experience and competitors' rate relativities. Company base rates are a factor of Exchange base rates (the factors vary by coverage). The base rate changes by coverage were selected in line with the rate level indications. We selected overall changes by sales region. In order to accomplish this goal, while maintaining a consistent analysis, we performed a separate base rate development for each of four regions of the state; each region on its own has sufficient volume to perform a credible analysis. Overall changes as well as coverage changes for each sales region were selected based on relative loss ratio and competitive position.

Sales Region Overall Selected

Change Relative Loss Ratio Allentown -0.7% 0.988

Erie +1.3% 1.016 Harrisburg +0.6% 1.003 Pittsburgh +1.0% 1.009

Erie Insurance Exchange Base Rates We are revising base rates for the following coverages:

- Pages 2-5 Bodily Injury (BI) - Pages 6-9 Property Damage (PD) - Pages 10-13 Combined Single Limit (CSL) - Pages 14-17 First Party Benefits Medical (FPB MED) - Pages 18-21 First Party Benefits Income (FPB INC) - Pages 22-25 Combination Benefit Package (FPB PKG) - Pages 26-29 Uninsured Motorists (UM) - Pages 30-33 Underinsured Motorists (UIM) - Pages 34-37 Comprehensive (COMP) - Pages 38-41 Collision (COLL)

Each coverage has four pages for each region. For BI, PD, FPB MED, INC, UM, UIM, COMP, and COLL we use a procedure to develop base rates by zone. This procedure uses our relative loss ratio in each zone and competitors' rate relativities to determine the base rate change for each zone. Exhibit C-1, Page 1 has an explanation of the steps involved in spreading the base rate change over our zones. These steps are further explained below.


PENNSYLVANIA PRIVATE PASSENGER AUTO Exhibit C-1, Base Rates (continued) A loss ratio index is calculated by dividing the loss ratio for each zone by the total loss ratio (column 3). This index is multiplied by the complement of the fixed expense ratio (Section E). To this product is added the fixed expense ratio. The result is a leveled index (column 4). This calculation recognizes that certain expenses do not vary by zone in proportion to the rates. We use a multi-level credibility procedure which uses both our own experience for a broader geographical area, and the relativities of our competitors. We assume that any insured may frequently drive into rating zones adjacent to that of their garaging address, and so neighboring zones will influence any individual zone’s experience. To determine which zones to use as the first complement of credibility, we reviewed frequency and severity of all adjacent zones, and selected those zones with similar experience to the zone being reviewed. Wherever possible, we used zones within the same county. For zones which span multiple counties and/or have sufficient exposures, we did not use a geographical complement. The selected complements are shown on Exhibit C-1, page 60. We used this procedure for BI, PD, FPB MED, COMP, and COLL.

The credibility assigned to our experience is based upon the square root of exposures formula using an expected frequency of 3,000 claims as 100% credible. . The remainder of the credibility is given first to the geographical complement described previously. If these two credibilities are less than 100%, the remainder goes to the competitors' rate relativity as a factor of the ERIE present relativity (column 8). These ratios represent the changes needed for our relativities to equal the weighted average of our competitors' relativities. We use State Farm, Allstate, Progressive, Donegal, and Travelers rate relativities for these calculations. A credibility weighted index is calculated using our loss ratio relativities and competitor relativities (column 9). We then use a "shrinking" procedure (column 10) so that no zone gets an increase or decrease that is significantly larger than the sales region change. This procedure reduces all zone changes by the same proportion. The changes that result from the shrinking procedure are capped (column 12) to avoid large rate increases or decreases. The selected change (column 13) is further capped by manual selection in a handful of territories where competitive position is a concern. The base rate change (column 16) is derived by offsetting for the zone average component changes. Combined single limit liability base rates are developed from bodily injury and property damage base rates. The proposed $15/30/25 bodily injury/property damage rates are increased to our proposed $500/500/500 rates. These are multiplied by .97 to convert them to $500,000 combined single limit liability rates. This .97 factor is selected based on judgment to reflect that the single limit offers slightly less coverage than the corresponding split limit. The base rates are then determined by dividing the calculated $500,000 rate by the increased limit factor. Rates for Combination Benefit Package are calculated based on our rates for each of the four first party benefits coverages and our filed manual rule for determining them.


PENNSYLVANIA PRIVATE PASSENGER AUTO Exhibit C-1, Base Rates (continued) Erie Insurance Company Base Rates To develop base rates for the Erie Insurance Company, we apply a deviation factor to the proposed Erie Insurance Exchange base rates. The deviation factors shown below are used on the exhibits that develop the Company base rates (Exhibit C-1, Pages 42-59). With this revision, we are changing some of these factors to address the differences in the indications between the two companies.

Coverage Current Deviation Proposed Deviation Bodily Injury 1.871 1.923

Property Damage 1.567 1.539 First Party Benefits Medical 1.650 1.702 First Party Benefits Income 1.600 1.585

Uninsured Motorist 2.08 2.084 Underinsured Motorist 1.812 1.865

Comprehensive 1.366 1.31 Collision 1.482 1.469

Applying a deviation factor across all territories provides a consistent relationship between the Company and Exchange base rates by territory. Exhibit C-2, Revisions to RPE Rating Factors In order to recognize the impact of changes to the traditional book rating, and to account for the experience of RPE business, we are revising the factors used to determine the final RPE premium. We are also expanding the cluster definitions in order to obtain more pricing points for comprehensive and collision coverage. Factor changes were selected to produce overall RPE changes by coverage group and sales region that align with loss ratio relativities. Exhibit C-2, Page 1 shows selected overall coverage changes by region. Exhibit C-2, Page 2-4 shows current and proposed RPE rating factors by RPE region for the liability and other coverages. Exhibit C-2, Page 5-16 shows the new cluster definitions and factors for comprehensive and collision coverage. Clusters were defined to create a wider distribution of policy price points and to reduce the disruption of moving from one cluster to another after a qualifying change. The same cluster definitions are used for every region. Please note that, because an RPE customer’s rate is locked in, these revisions will only apply to new business, and to existing business which undergoes a qualifying change causing a full re-rate. Since qualifying changes are vehicle, address, and/or driver changes, policy premiums may be substantially different than the changes noted in these exhibits.


PENNSYLVANIA PRIVATE PASSENGER AUTO Exhibit C-3 Revisions to Adult Class Factors We revised adult class rating factors based on experience. For Company factors, experience was weighted with Exchange experience for more credibility. To limit disruption, factor changes were limited to under +/- 4%, with deviations in selections to maintain certain relationships. First, long annual mileage factors should be greater than the corresponding short mileage factors. Second, the factors should increase as the distance to work increases. And third, given the same annual mileage break, the difference between short and long mileage for longer work commutes should be less than the difference for shorter work commutes. We assume that vehicles with longer work commutes, if rated as short annual mileage, are likely to have a higher annual mileage than those with short commutes. Exhibit C-4, Revisions to Motorcycle Bike Class Factors The new motorcycle program was introduced in Pennsylvania effective for new business on August 6, 2015 and for renewal business on October 1, 2015. In order to lessen the disruption to existing policyholders, bike class factors were tempered for Sport and Super Sport classes. We are proposing to move these factors to indicated. Exhibit C-6, Pages 1-2 show the current factors, the proposed factors, and the indicated factors. Since bike and driver age one year upon renewal, no policy will receive an increase over 25% with these changes, as shown in Exhibit A-1, page 2.

ERIE INSURANCE EXCHANGE 1/18/2018

Column Explanation

(1) ERIE Zone

(2) Territory Loss ratio

Loss Ratio = Three‐Year unadjusted losses/three‐year earned premium at current rate level

(Basic Limits Losses and premiums are used for liabiltiy; all deductibles are used for physical damage

(3) Loss Ratio Index = Territory loss ratio / Sales Region average loss ratio

(4) Leveled loss ratio index = [ (3) x (1.00 ‐ fixed expense ratio) ] + fixed expense ratio

(5) Credibility = Square root of [number of claims / 3,000 claims]

(6) ERIE's Base Rate Relativity = ERIE's current base rate / average statewide base rate

(7) Competitor's Base Rate Relativity = Competitor base rate / average competitor base rate

(8) Competitor average base rate relative to the average statewide base rate

ERIE's current base rate relative to the average statewide base rate

(9) [ (4) x (5) ] + [8 x (1.00 ‐(5) ) ]

This calculation is then adjusted for off‐balance by dividing the result for each territory by the

sales region average result

(10) { [ (maximum increase / sales region change) ‐ 1.00 ]

maximum of (9) ‐ 1.00

(11) (10) x selected sales region change

(12) Cap (11) at the selected maximum and minimum changes

(13) (12) / Relative impact of other changes

(14) Present Base Rate

(15) Proposed Base Rate: (13) x (14)

(16) Actual Base Rate Change: ((15)/(14))‐1

x [ (9) ‐ 1.00 ] } + 1.00

Explanation of Territory Base Rate Development


Exhibit C-1 Page 1


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate Change

7 38% 1.02 1.02 0.20 1.08 0.23 1.02 1.01 1.00 1.08 1.01 1.00 1.00 1.0070281 165 166 0.6%

12 35% 0.92 0.93 0.24 0.81 0.26 1.12 1.13 1.01 0.99 1.00 0.99 0.99 0.98999 181 179 ‐1.1%

14 31% 0.82 0.83 0.25 0.84 0.14 1.14 1.08 0.95 0.96 0.99 0.98 0.98 0.983984 185 182 ‐1.6%

19 23% 0.62 0.64 0.08 0.90 0.28 1.06 1.07 1.01 1.00 1.00 0.99 0.99 0.9949799 172 171 ‐0.6%

23 24% 0.63 0.65 0.19 0.00 0.00 0.99 0.94 0.95 0.94 0.99 0.98 0.98 0.9859155 161 159 ‐1.2%

31 73% 1.93 1.88 0.15 1.09 0.25 2.69 1.90 0.71 1.04 1.01 1.00 1.00 0.9920398 436 433 ‐0.7%

32 47% 1.25 1.24 0.12 1.22 0.27 2.35 1.58 0.67 0.94 0.99 0.98 0.98 0.9760956 381 372 ‐2.4%

33 40% 1.06 1.06 0.22 1.47 0.21 2.10 1.52 0.72 1.00 1.00 0.99 0.99 0.989011 341 337 ‐1.2%

55 28% 0.73 0.75 0.07 0.79 0.16 1.03 0.97 0.94 0.95 0.99 0.98 0.98 0.9869347 167 165 ‐1.2%

58 37% 0.97 0.97 0.32 0.00 0.00 1.16 1.10 0.95 1.01 1.00 0.99 0.99 0.993988 188 187 ‐0.5%

59 31% 0.82 0.83 0.31 0.00 0.00 1.08 1.04 0.96 0.97 1.00 0.99 0.99 0.9889558 176 174 ‐1.1%

61 52% 1.38 1.36 0.14 0.90 0.24 1.39 1.19 0.86 0.99 1.00 0.99 0.99 0.988 226 223 ‐1.3%

82 36% 0.96 0.97 0.19 1.01 0.20 1.39 1.28 0.92 1.00 1.00 0.99 0.99 0.989011 225 223 ‐0.9%

83 38% 1.00 1.00 0.07 1.24 0.29 1.66 1.42 0.86 1.03 1.01 1.00 1.00 0.995 269 268 ‐0.4%

85 39% 1.04 1.04 0.21 0.00 0.00 1.27 1.17 0.92 1.00 1.00 0.99 0.99 0.9939759 206 205 ‐0.5%

110 52% 1.37 1.35 0.11 1.00 0.37 2.04 1.82 0.89 1.04 1.01 1.00 1.00 0.994012 331 329 ‐0.6%

111 52% 1.37 1.35 0.15 0.98 0.35 2.01 1.67 0.83 1.02 1.00 0.99 0.99 0.991018 326 323 ‐0.9%

112 27% 0.71 0.73 0.07 1.04 0.38 1.66 1.44 0.86 0.97 1.00 0.99 0.99 0.984016 270 266 ‐1.5%

113 41% 1.10 1.09 0.19 1.01 0.33 1.78 1.58 0.89 1.02 1.00 0.99 0.99 0.993 289 287 ‐0.7%

114 33% 0.87 0.88 0.14 1.06 0.36 1.42 1.25 0.89 1.00 1.00 0.99 0.99 0.991984 230 228 ‐0.9%

115 25% 0.67 0.69 0.10 1.06 0.37 1.58 1.32 0.84 0.95 0.99 0.98 0.98 0.9859579 257 253 ‐1.6%

116 28% 0.74 0.75 0.10 1.04 0.25 1.28 1.19 0.93 0.99 1.00 0.99 0.99 0.990982 207 205 ‐1.0%

117 29% 0.78 0.79 0.18 0.98 0.38 1.41 1.21 0.86 0.94 0.99 0.98 0.98 0.980981 229 225 ‐1.7%

118 39% 1.03 1.03 0.28 0.88 0.32 1.63 1.46 0.90 0.98 1.00 0.99 0.99 0.987 265 262 ‐1.1%

120 42% 1.12 1.11 0.12 0.93 0.41 1.86 1.50 0.81 0.94 0.99 0.98 0.98 0.9770916 301 294 ‐2.3%

121 28% 0.75 0.76 0.07 0.94 0.42 2.34 1.87 0.80 0.90 0.98 0.97 0.97 0.973027 380 370 ‐2.6%

128 33% 0.88 0.89 0.07 1.00 0.26 1.29 1.17 0.91 0.99 1.00 0.99 0.99 0.98998 209 207 ‐1.0%

129 42% 1.12 1.11 0.07 0.93 0.42 1.65 1.41 0.85 0.96 0.99 0.98 0.98 0.9800598 268 263 ‐1.9%

130 30% 0.81 0.82 0.08 1.01 0.26 1.36 1.19 0.88 0.96 0.99 0.98 0.98 0.983984 221 217 ‐1.8%

131 58% 1.54 1.52 0.04 1.64 0.39 3.04 1.99 0.65 1.14 1.02 1.01 1.01 1.014014 494 501 1.4%

132 63% 1.67 1.64 0.18 1.64 0.35 3.44 2.35 0.68 1.26 1.04 1.03 1.03 1.0278884 558 574 2.9%

133 159% 4.22 4.04 0.09 1.58 0.38 3.29 2.50 0.76 1.43 1.07 1.06 1.05 1.0406343 533 555 4.1%

135 54% 1.44 1.42 0.19 1.72 0.34 3.90 2.39 0.61 1.21 1.03 1.02 1.02 1.0178926 633 644 1.7%

137 37% 0.97 0.98 0.14 0.93 0.40 1.94 1.58 0.81 0.93 0.99 0.98 0.98 0.9760718 315 307 ‐2.5%

140 31% 0.82 0.83 0.16 0.96 0.39 1.33 1.14 0.86 0.95 0.99 0.98 0.98 0.9849398 215 212 ‐1.4%

141 32% 0.84 0.84 0.14 0.83 0.25 1.12 1.04 0.93 0.95 0.99 0.98 0.98 0.9849398 181 178 ‐1.7%

143 77% 2.03 1.98 0.23 1.49 0.32 3.38 2.33 0.69 1.31 1.05 1.04 1.04 1.0337972 548 567 3.5%

144 40% 1.07 1.07 0.05 1.66 0.39 2.70 1.90 0.70 1.16 1.03 1.02 1.02 1.0119522 438 443 1.1%

148 40% 1.07 1.06 0.08 1.02 0.38 1.28 1.10 0.86 0.99 1.00 0.99 0.99 0.9949648 208 207 ‐0.5%

149 36% 0.96 0.97 0.14 1.04 0.36 1.31 1.15 0.88 1.00 1.00 0.99 0.99 0.991984 213 211 ‐0.9%

150 37% 0.97 0.97 0.12 1.03 0.36 1.33 1.16 0.87 0.99 1.00 0.99 0.99 0.9929719 216 214 ‐0.9%

152 33% 0.88 0.89 0.10 1.72 0.38 3.21 2.31 0.72 1.18 1.03 1.02 1.02 1.0159521 520 528 1.5%

153 55% 1.46 1.44 0.11 1.65 0.38 3.84 2.52 0.66 1.18 1.03 1.02 1.02 1.0139165 623 632 1.4%

Allentown 38% 1.43 ‐1.1%

Notes:

Competitors (weighting): All (20%), Prog(20%), Trav(20%), Don(5%), SF(35%)Losses: 3 years accident year data ending 9/30/2017Premiums: 3 years accident year data ending 9/30/2017Credibility: Square Root of Claims method with 3,000 claims needed for full credibility.


Base Rate Development ‐ Bodily Injury

Exhibit C-1 Page 2


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate Change

9 47% 1.58 1.55 0.15 1.01 0.20 1.18 1.17 1.00 1.07 1.11 1.12 1.06 1.0548902 191 201 5.2%

54 29% 0.98 0.98 0.20 0.00 0.00 0.79 0.80 1.01 0.99 0.99 0.99 0.99 0.996988 128 128 0.0%

56 24% 0.80 0.82 0.13 0.98 0.20 0.93 0.94 1.01 0.97 0.95 0.95 0.95 0.9518556 151 144 ‐4.6%

73 25% 0.85 0.86 0.14 0.98 0.20 0.69 0.81 1.17 1.07 1.12 1.12 1.06 1.061245 112 119 6.3%

94 33% 1.12 1.11 0.18 0.87 0.13 0.88 0.87 0.99 0.99 0.98 0.98 0.98 0.9839357 142 140 ‐1.4%

126 26% 0.86 0.87 0.13 1.00 0.23 0.81 0.82 1.01 0.98 0.96 0.97 0.97 0.9698795 131 127 ‐3.1%

138 30% 1.01 1.01 0.20 0.00 0.00 1.05 1.04 0.99 0.98 0.97 0.97 0.97 0.969 170 165 ‐2.9%

Erie 30% 1.07 ‐0.6%

Notes:




Exhibit C-1 Page 3


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate Change

4 45% 1.33 1.31 0.21 1.07 0.22 1.00 1.01 1.00 1.04 1.04 1.05 1.05 1.046 163 170 4.3%

6 24% 0.71 0.73 0.08 1.23 0.29 0.91 0.94 1.03 1.01 1.02 1.02 1.02 1.0261307 148 152 2.7%

8 23% 0.69 0.71 0.10 0.93 0.04 0.79 0.85 1.08 0.99 0.99 0.99 0.99 0.996991 128 128 0.0%

10 31% 0.93 0.93 0.04 0.70 0.10 0.80 0.85 1.07 0.99 0.99 0.99 0.99 0.9959799 129 128 ‐0.8%

13 31% 0.93 0.94 0.10 0.90 0.22 0.81 0.83 1.02 0.94 0.94 0.94 0.94 0.9448898 132 125 ‐5.3%

15 34% 1.00 1.00 0.26 0.00 0.00 0.86 0.91 1.06 1.00 1.00 1.01 1.01 1.009 139 140 0.7%

18 31% 0.92 0.93 0.21 0.00 0.00 0.83 0.87 1.04 0.97 0.97 0.98 0.98 0.9809045 135 132 ‐2.2%

20 43% 1.29 1.28 0.04 1.12 0.09 0.68 0.76 1.10 1.06 1.07 1.08 1.06 1.0696266 111 119 7.2%

21 38% 1.14 1.14 0.16 0.89 0.17 0.73 0.85 1.16 1.06 1.07 1.08 1.06 1.064257 118 126 6.8%

22 31% 0.91 0.92 0.11 1.10 0.13 0.83 0.85 1.02 0.98 0.97 0.98 0.98 0.9859013 135 133 ‐1.5%

24 29% 0.85 0.86 0.20 1.25 0.19 0.92 0.93 1.01 0.98 0.98 0.98 0.98 0.9869478 150 148 ‐1.3%

25 39% 1.16 1.15 0.26 0.00 0.00 0.94 0.95 1.01 1.00 1.00 1.01 1.01 1.006 153 154 0.7%

26 34% 1.02 1.02 0.32 0.00 0.00 0.94 0.98 1.04 0.99 0.99 0.99 0.99 0.996991 153 153 0.0%

27 25% 0.75 0.76 0.18 0.00 0.00 0.76 0.83 1.08 0.98 0.98 0.98 0.98 0.9859438 124 122 ‐1.6%

28 42% 1.27 1.25 0.19 0.00 0.00 0.95 0.96 1.01 1.01 1.01 1.02 1.02 1.018018 154 157 1.9%

29 37% 1.10 1.10 0.13 0.92 0.11 0.85 0.90 1.05 1.00 1.00 1.00 1.00 1.00501 138 139 0.7%

30 38% 1.15 1.14 0.13 0.93 0.19 0.74 0.80 1.08 1.01 1.01 1.02 1.02 1.0230924 120 123 2.5%

57 30% 0.90 0.90 0.22 0.00 0.00 0.76 0.80 1.05 0.97 0.97 0.98 0.98 0.9819095 123 121 ‐1.6%

84 33% 1.00 1.00 0.18 0.00 0.00 0.78 0.89 1.14 1.07 1.08 1.08 1.06 1.0653266 126 134 6.3%

127 38% 1.13 1.13 0.09 1.10 0.07 0.70 0.77 1.11 1.06 1.07 1.08 1.06 1.0674723 113 121 7.1%

136 30% 0.90 0.90 0.11 0.90 0.22 0.72 0.77 1.07 0.97 0.97 0.97 0.97 0.9788732 117 115 ‐1.7%

142 20% 0.59 0.61 0.11 1.14 0.21 0.81 0.87 1.07 0.99 0.99 1.00 1.00 1 132 132 0.0%

151 34% 1.01 1.01 0.03 1.12 0.10 0.73 0.78 1.07 1.03 1.03 1.03 1.03 1.0392354 119 124 4.2%

Harrisburg 33% 1.07 0.7%

Notes:




Exhibit C-1 Page 4


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate Change

2 17% 0.47 0.50 0.06 0.92 0.22 0.81 0.91 1.12 0.95 0.93 0.93 0.97 0.9778226 132 129 ‐2.3%

3 35% 0.99 1.00 0.11 0.74 0.13 0.78 0.86 1.10 0.95 0.93 0.93 0.97 0.9748744 126 123 ‐2.4%

11 42% 1.18 1.17 0.08 1.15 0.15 0.78 0.89 1.13 1.04 1.06 1.06 1.06 1.0672691 127 136 7.1%

16 18% 0.52 0.55 0.06 1.15 0.15 0.80 0.89 1.12 1.00 1.00 1.00 1.00 1.0060362 129 130 0.8%

17 40% 1.12 1.11 0.16 0.00 0.00 0.83 0.92 1.11 1.01 1.02 1.03 1.03 1.0301508 134 138 3.0%

40 13% 0.37 0.41 0.07 0.84 0.15 0.74 0.86 1.16 0.97 0.96 0.96 0.97 0.9719439 120 117 ‐2.5%

88 32% 0.91 0.91 0.06 1.15 0.23 0.86 0.89 1.03 0.96 0.94 0.94 0.97 0.9758551 140 137 ‐2.1%

91 24% 0.67 0.69 0.02 1.11 0.28 0.86 0.91 1.07 0.98 0.97 0.97 0.97 0.970971 139 135 ‐2.9%

92 35% 0.98 0.98 0.11 0.84 0.15 0.67 0.84 1.26 1.06 1.10 1.10 1.08 1.0854271 109 118 8.3%

93 29% 0.83 0.84 0.15 0.00 0.00 0.73 0.85 1.17 1.03 1.04 1.04 1.04 1.0472362 118 124 5.1%

95 69% 1.95 1.90 0.04 1.10 0.22 0.88 0.88 1.00 0.97 0.96 0.96 0.97 0.9729188 143 139 ‐2.8%

96 59% 1.67 1.63 0.11 1.04 0.19 0.89 0.92 1.03 1.00 1.00 1.00 1.00 1.003006 145 145 0.0%

97 49% 1.40 1.38 0.06 1.32 0.13 0.84 0.89 1.06 1.02 1.03 1.03 1.03 1.0330993 136 141 3.7%

98 31% 0.88 0.89 0.18 0.79 0.11 0.80 0.92 1.14 0.97 0.95 0.95 0.97 0.9738956 130 127 ‐2.3%

99 10% 0.30 0.33 0.04 0.85 0.20 0.84 0.94 1.12 0.94 0.92 0.92 0.97 0.9758551 136 133 ‐2.2%

100 23% 0.65 0.67 0.08 0.84 0.19 0.83 0.90 1.08 0.92 0.87 0.88 0.97 0.9738956 135 131 ‐3.0%

101 36% 1.03 1.03 0.17 1.18 0.22 0.91 0.97 1.07 0.99 0.99 0.99 0.99 0.990982 147 146 ‐0.7%

102 42% 1.18 1.18 0.22 1.03 0.17 0.94 1.00 1.07 0.99 0.99 0.99 0.99 0.988 152 150 ‐1.3%

103 32% 0.91 0.92 0.13 1.09 0.27 0.99 1.05 1.06 0.96 0.94 0.94 0.97 0.969031 161 156 ‐3.1%

104 35% 0.98 0.98 0.09 0.92 0.24 0.86 0.97 1.14 0.98 0.97 0.97 0.97 0.970971 139 135 ‐2.9%

105 34% 0.96 0.96 0.16 0.92 0.27 0.97 1.04 1.07 0.93 0.89 0.89 0.97 0.969031 158 153 ‐3.2%

106 32% 0.92 0.92 0.24 0.00 0.00 0.83 0.96 1.16 1.01 1.01 1.01 1.01 1.012 135 137 1.5%

107 26% 0.74 0.75 0.10 1.02 0.28 0.81 0.91 1.11 0.96 0.94 0.94 0.97 0.9738956 132 129 ‐2.3%

108 36% 1.02 1.02 0.28 0.00 0.00 0.81 0.94 1.15 1.02 1.03 1.03 1.03 1.031031 132 136 3.0%

109 40% 1.13 1.13 0.34 0.00 0.00 0.83 0.94 1.13 1.03 1.04 1.05 1.05 1.047047 135 141 4.4%

119 32% 0.90 0.90 0.12 0.00 0.00 0.76 0.90 1.17 1.04 1.06 1.07 1.07 1.0660661 124 132 6.5%

122 41% 1.15 1.15 0.15 0.89 0.16 0.79 0.90 1.15 1.01 1.01 1.02 1.02 1.0200602 128 131 2.3%

123 42% 1.20 1.19 0.16 1.12 0.34 0.86 0.91 1.06 1.01 1.01 1.01 1.01 1.0170683 139 141 1.4%

124 14% 0.38 0.42 0.03 1.14 0.38 0.88 0.98 1.11 1.00 1.01 1.01 1.01 1.01002 143 144 0.7%145 24% 0.67 0.69 0.07 0.97 0.29 0.84 0.93 1.11 0.95 0.93 0.93 0.97 0.9748744 136 133 ‐2.2%146 34% 0.95 0.95 0.20 0.95 0.22 0.79 0.94 1.19 0.99 0.99 0.99 0.99 0.9959839 128 127 ‐0.8%147 35% 0.99 0.99 0.21 0.92 0.22 0.80 0.94 1.18 0.99 0.98 0.99 0.99 0.9899598 129 128 ‐0.8%

Pittsburgh 35% 1.06 1.2%

Notes:




Exhibit C-1 Page 5


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall Change

Caps Max

and Min

Formula

Change

Present Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change7 71% 1.00 1.00 0.74 1.04 0.89 0.91 0.98 1.08 1.00 1.00 1.03 1.03 1.03 283 292 3.2%

12 67% 0.93 0.93 0.82 0.93 0.91 0.99 1.02 1.03 0.93 0.99 1.02 1.02 1.02 307 312 1.6%14 65% 0.90 0.91 0.86 1.03 0.52 0.96 0.94 0.98 0.92 0.99 1.02 1.02 1.02 298 303 1.7%19 79% 1.11 1.10 0.29 0.96 0.97 0.83 0.92 1.11 1.00 1.00 1.03 1.03 1.03 258 266 3.1%23 61% 0.86 0.86 0.77 0.00 0.00 0.77 0.84 1.09 0.91 0.99 1.02 1.02 1.02 239 244 2.1%31 78% 1.09 1.09 0.33 1.03 0.77 1.51 1.54 1.02 1.04 1.01 1.03 1.03 1.03 470 483 2.8%32 67% 0.94 0.94 0.32 1.06 0.78 1.55 1.43 0.92 1.01 1.00 1.03 1.03 1.02 481 493 2.5%33 74% 1.03 1.03 0.66 1.05 0.52 1.44 1.39 0.97 1.03 1.00 1.03 1.03 1.03 446 459 2.9%55 63% 0.87 0.88 0.25 1.05 0.59 0.72 0.82 1.15 1.02 1.00 1.03 1.03 1.03 223 230 3.1%58 68% 0.95 0.95 1.00 0.00 0.00 1.11 1.08 0.97 0.95 0.99 1.02 1.02 1.02 344 352 2.3%59 66% 0.92 0.93 1.00 0.00 0.00 0.95 1.00 1.05 0.92 0.99 1.02 1.02 1.02 296 302 2.0%61 76% 1.06 1.06 0.42 1.15 0.87 1.23 1.19 0.97 1.10 1.01 1.04 1.04 1.04 382 397 3.9%82 82% 1.15 1.14 0.63 1.12 0.73 1.27 1.26 0.99 1.13 1.02 1.04 1.04 1.04 395 411 4.1%83 87% 1.21 1.20 0.24 1.02 0.80 1.38 1.29 0.93 1.06 1.01 1.03 1.03 1.03 429 443 3.3%85 72% 1.01 1.01 0.66 0.00 0.00 0.87 0.97 1.12 1.04 1.01 1.03 1.03 1.04 269 278 3.3%110 74% 1.04 1.04 0.31 1.08 1.00 1.32 1.51 1.15 1.06 1.01 1.03 1.03 1.03 409 422 3.2%111 84% 1.18 1.17 0.42 1.06 1.00 1.34 1.43 1.07 1.10 1.01 1.04 1.04 1.04 417 432 3.6%112 78% 1.09 1.09 0.24 1.07 1.00 1.25 1.30 1.04 1.07 1.01 1.04 1.04 1.03 389 402 3.3%113 80% 1.12 1.11 0.56 1.06 1.00 1.27 1.40 1.10 1.09 1.01 1.04 1.04 1.04 395 410 3.8%114 74% 1.04 1.04 0.51 1.08 1.00 1.15 1.22 1.06 1.05 1.01 1.03 1.03 1.03 358 370 3.4%115 79% 1.11 1.10 0.33 1.07 1.00 1.14 1.24 1.10 1.08 1.01 1.04 1.04 1.04 353 367 4.0%116 99% 1.38 1.36 0.40 1.09 0.88 1.01 1.15 1.13 1.19 1.02 1.05 1.05 1.05 315 331 5.1%117 75% 1.05 1.05 0.67 1.05 1.00 1.16 1.22 1.06 1.04 1.01 1.03 1.03 1.03 359 371 3.3%118 76% 1.06 1.06 0.91 1.05 1.00 1.21 1.35 1.12 1.05 1.01 1.03 1.03 1.03 375 387 3.2%120 69% 0.97 0.97 0.34 1.06 1.00 1.39 1.40 1.01 1.02 1.00 1.03 1.03 1.02 433 444 2.5%121 79% 1.10 1.10 0.21 1.05 1.00 1.49 1.50 1.00 1.06 1.01 1.03 1.03 1.03 464 479 3.2%128 81% 1.13 1.12 0.32 1.13 0.91 1.14 1.18 1.03 1.12 1.02 1.04 1.04 1.04 355 371 4.5%129 91% 1.27 1.26 0.23 1.05 1.00 1.18 1.34 1.13 1.09 1.01 1.04 1.04 1.03 367 379 3.3%130 65% 0.91 0.92 0.31 1.16 0.92 1.21 1.23 1.01 1.08 1.01 1.04 1.04 1.04 377 391 3.7%131 47% 0.66 0.68 0.10 1.03 0.84 1.27 1.39 1.10 1.00 1.00 1.03 1.03 1.03 393 404 2.8%132 70% 0.97 0.97 0.37 1.04 0.76 1.42 1.59 1.12 1.01 1.00 1.03 1.03 1.02 440 450 2.3%133 120% 1.68 1.64 0.16 1.01 0.83 1.41 1.69 1.20 1.11 1.01 1.04 1.04 1.03 439 452 3.0%135 70% 0.98 0.98 0.41 1.05 0.74 1.56 1.69 1.08 1.01 1.00 1.03 1.03 1.02 486 497 2.3%137 76% 1.06 1.06 0.48 1.05 1.00 1.33 1.45 1.09 1.05 1.01 1.03 1.03 1.03 414 426 2.9%140 75% 1.04 1.04 0.62 1.06 1.00 0.96 1.07 1.11 1.04 1.01 1.03 1.03 1.04 298 308 3.4%141 74% 1.03 1.03 0.52 0.91 0.86 0.82 0.90 1.10 0.96 1.00 1.02 1.02 1.03 254 261 2.8%143 70% 0.98 0.98 0.46 1.05 0.70 1.61 1.70 1.06 1.01 1.00 1.03 1.03 1.02 499 510 2.2%144 67% 0.93 0.94 0.18 1.03 0.83 1.57 1.53 0.97 1.01 1.00 1.03 1.03 1.02 489 500 2.2%148 95% 1.33 1.31 0.25 1.06 1.00 0.91 1.04 1.14 1.12 1.01 1.04 1.04 1.05 283 297 4.9%149 74% 1.04 1.03 0.51 1.08 1.00 1.10 1.12 1.01 1.05 1.01 1.03 1.03 1.04 343 355 3.5%150 67% 0.93 0.94 0.40 1.09 1.00 1.00 1.12 1.13 1.02 1.00 1.03 1.03 1.03 310 320 3.2%152 103% 1.43 1.41 0.29 0.99 0.79 1.40 1.60 1.14 1.11 1.01 1.04 1.04 1.04 436 452 3.7%153 66% 0.93 0.93 0.20 1.03 0.82 1.57 1.69 1.07 1.01 1.00 1.03 1.03 1.02 489 500 2.2%

Allentown 72% 1.43 2.8%

Notes:



Base Rate Development ‐ Property Damage

Exhibit C-1 Page 6


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall Change

Caps Max

and Min

Formula

Change

Present Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change9 75% 1.03 1.03 0.56 1.02 0.88 1.23 1.15 0.93 1.03 1.02 1.06 1.06 1.05 383 404 5.5%

54 72% 0.99 0.99 0.85 0.00 0.00 0.71 0.72 1.01 1.00 1.00 1.04 1.04 1.04 222 231 4.1%56 71% 0.97 0.97 0.63 0.99 0.85 0.92 0.87 0.95 0.98 0.99 1.03 1.04 1.04 287 298 3.8%73 72% 0.99 0.99 0.62 0.99 0.85 0.63 0.73 1.16 0.99 1.00 1.04 1.04 1.04 196 204 4.1%94 76% 1.04 1.04 0.68 0.95 0.60 0.80 0.78 0.98 1.01 1.01 1.05 1.05 1.05 247 259 4.9%126 69% 0.94 0.95 0.60 1.02 0.92 0.72 0.73 1.02 0.98 0.99 1.03 1.04 1.04 223 232 4.0%138 75% 1.02 1.02 0.88 0.00 0.00 1.12 1.03 0.91 1.01 1.01 1.05 1.05 1.04 349 365 4.6%Erie 73% 0.00 0.00 1.07 4.4%

Notes:




Exhibit C-1 Page 7


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall Change

Caps Max

and Min

Formula

Change

Present Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change4 73% 1.02 1.02 0.82 1.02 0.82 1.03 1.00 0.97 1.01 1.01 1.05 1.05 1.05 321 336 4.7%6 80% 1.12 1.12 0.35 1.01 1.00 0.84 0.91 1.08 1.04 1.02 1.06 1.06 1.07 262 279 6.5%8 69% 0.97 0.97 0.50 0.87 0.19 0.90 0.88 0.98 0.94 0.97 1.01 1.01 1.01 279 282 1.1%

10 62% 0.86 0.87 0.19 0.97 0.50 0.76 0.83 1.09 0.98 0.99 1.03 1.03 1.03 237 245 3.4%13 67% 0.93 0.94 0.47 1.03 0.97 0.88 0.82 0.94 0.98 0.99 1.03 1.03 1.03 272 280 2.9%15 71% 1.00 1.00 1.00 0.00 0.00 0.97 0.93 0.95 0.99 0.99 1.03 1.03 1.03 302 312 3.3%18 65% 0.91 0.92 0.80 0.00 0.00 0.81 0.82 1.01 0.93 0.96 1.00 1.00 1.01 253 254 0.4%20 66% 0.92 0.93 0.18 1.04 0.35 0.58 0.70 1.21 1.09 1.05 1.09 1.06 1.07 180 192 6.7%21 72% 1.00 1.00 0.66 0.99 0.77 0.74 0.74 1.01 0.99 0.99 1.04 1.04 1.04 229 238 3.9%22 69% 0.96 0.96 0.38 1.05 0.45 0.72 0.79 1.09 1.01 1.01 1.05 1.05 1.05 223 235 5.4%24 63% 0.88 0.89 0.73 1.20 0.70 1.00 0.91 0.91 0.96 0.98 1.02 1.02 1.02 311 318 2.3%25 77% 1.08 1.07 1.00 0.00 0.00 1.07 0.97 0.91 1.06 1.03 1.08 1.06 1.06 331 351 6.0%26 71% 0.99 0.99 1.00 0.00 0.00 0.95 0.96 1.01 0.98 0.99 1.03 1.03 1.03 295 305 3.4%27 67% 0.93 0.94 0.83 0.00 0.00 0.81 0.84 1.03 0.94 0.97 1.01 1.01 1.01 252 255 1.2%28 87% 1.21 1.20 0.70 0.00 0.00 0.87 0.96 1.11 1.16 1.09 1.13 1.06 1.06 269 285 5.9%29 75% 1.05 1.05 0.45 0.96 0.38 0.93 0.91 0.99 0.99 1.00 1.04 1.04 1.04 288 299 3.8%30 73% 1.02 1.02 0.57 0.99 0.84 0.73 0.74 1.02 0.99 1.00 1.04 1.04 1.04 226 236 4.4%57 74% 1.03 1.03 0.97 0.00 0.00 0.68 0.73 1.07 1.02 1.01 1.06 1.06 1.06 211 223 5.7%84 69% 0.96 0.96 0.63 0.00 0.00 0.61 0.73 1.20 1.04 1.02 1.06 1.06 1.07 190 202 6.3%127 70% 0.98 0.98 0.33 0.99 0.28 0.57 0.70 1.24 1.07 1.04 1.08 1.06 1.07 176 188 6.8%136 76% 1.06 1.06 0.46 1.03 0.97 0.65 0.70 1.08 1.03 1.02 1.06 1.06 1.07 202 215 6.4%142 69% 0.96 0.96 0.52 1.01 0.87 0.76 0.78 1.03 0.97 0.99 1.03 1.03 1.03 237 245 3.4%151 123% 1.72 1.69 0.11 0.95 0.42 0.59 0.74 1.24 1.16 1.08 1.13 1.06 1.07 184 196 6.5%

Harrisburg 72% 0.00 0.00 1.07 3.9%

Notes:




Exhibit C-1 Page 8


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall Change

Caps Max

and Min

Formula

Change

Present Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change2 73% 0.99 0.99 0.23 0.99 0.97 0.79 0.84 1.06 0.98 0.99 1.03 1.03 1.04 246 255 3.7%3 66% 0.89 0.90 0.44 0.93 0.60 0.82 0.81 0.99 0.91 0.95 0.98 0.98 0.99 256 253 ‐1.2%

11 68% 0.91 0.92 0.32 0.97 0.62 0.89 0.92 1.04 0.95 0.97 1.01 1.01 1.01 275 278 1.1%16 51% 0.69 0.71 0.28 0.97 0.62 0.83 0.82 1.00 0.89 0.93 0.97 0.98 0.98 257 253 ‐1.6%17 69% 0.93 0.94 0.56 0.00 0.00 0.76 0.81 1.06 0.98 0.99 1.03 1.03 1.04 236 244 3.4%40 62% 0.84 0.85 0.38 0.87 0.63 0.86 0.83 0.97 0.85 0.91 0.95 0.98 0.98 266 261 ‐1.9%88 66% 0.89 0.90 0.23 0.96 0.86 0.78 0.80 1.03 0.94 0.96 1.00 1.00 1.01 242 244 0.8%91 78% 1.05 1.05 0.07 1.04 1.00 1.03 0.98 0.95 1.03 1.02 1.06 1.06 1.06 320 339 5.9%92 80% 1.09 1.08 0.39 0.87 0.63 0.70 0.78 1.10 0.94 0.97 1.01 1.01 1.01 219 221 0.9%93 64% 0.86 0.87 0.63 0.00 0.00 0.73 0.78 1.08 0.94 0.96 1.00 1.00 1.00 226 227 0.4%95 66% 0.90 0.90 0.14 1.07 0.81 0.83 0.84 1.01 1.03 1.02 1.06 1.06 1.06 259 275 6.2%96 96% 1.30 1.28 0.36 1.01 0.74 0.90 0.85 0.95 1.10 1.06 1.10 1.06 1.06 279 296 6.1%97 74% 1.00 1.00 0.26 1.11 0.45 0.85 0.83 0.97 1.03 1.02 1.06 1.06 1.06 264 280 6.1%98 67% 0.90 0.91 0.73 0.98 0.50 0.94 0.92 0.97 0.92 0.95 0.99 0.99 0.99 292 290 ‐0.7%99 62% 0.83 0.84 0.22 0.93 0.82 0.80 0.90 1.13 0.90 0.94 0.98 0.98 0.98 247 243 ‐1.6%100 76% 1.02 1.02 0.37 0.90 0.77 0.95 0.91 0.96 0.94 0.96 1.00 1.00 1.01 294 296 0.7%101 79% 1.06 1.06 0.74 1.02 0.83 1.17 1.00 0.85 1.04 1.02 1.06 1.06 1.06 363 385 6.1%102 76% 1.02 1.02 0.83 1.06 0.74 1.19 1.04 0.88 1.02 1.01 1.05 1.05 1.05 369 388 5.1%103 74% 1.00 1.00 0.61 0.99 1.00 1.37 1.10 0.80 0.99 0.99 1.03 1.03 1.03 427 441 3.3%104 69% 0.93 0.94 0.47 0.97 1.00 1.26 1.06 0.85 0.95 0.97 1.01 1.01 1.01 391 394 0.8%105 69% 0.93 0.94 0.67 0.98 1.00 1.35 1.12 0.83 0.94 0.97 1.01 1.01 1.00 420 421 0.2%106 72% 0.97 0.97 1.00 0.00 0.00 1.23 1.07 0.87 0.96 0.98 1.02 1.02 1.02 381 387 1.6%107 65% 0.87 0.88 0.46 1.14 1.00 0.98 0.96 0.98 1.01 1.01 1.05 1.05 1.05 305 320 4.9%108 85% 1.15 1.14 1.00 0.00 0.00 1.04 1.00 0.96 1.13 1.08 1.12 1.06 1.06 324 344 6.2%109 77% 1.04 1.04 1.00 0.00 0.00 1.11 0.99 0.90 1.03 1.02 1.06 1.06 1.06 344 364 5.8%119 81% 1.10 1.09 0.58 0.00 0.00 0.94 0.97 1.03 1.06 1.03 1.08 1.06 1.06 293 311 6.1%122 72% 0.97 0.97 0.62 0.98 0.72 0.91 0.93 1.02 0.96 0.98 1.02 1.02 1.02 282 288 2.1%123 73% 0.98 0.98 0.65 1.03 1.00 0.89 0.87 0.98 0.99 1.00 1.04 1.04 1.04 276 287 4.0%124 63% 0.85 0.85 0.17 1.03 1.00 0.98 0.96 0.98 0.99 0.99 1.03 1.03 1.03 304 314 3.3%145 77% 1.03 1.03 0.33 1.00 1.00 0.82 0.88 1.08 1.00 1.00 1.04 1.04 1.05 255 267 4.7%146 73% 0.98 0.99 0.91 1.02 0.98 0.96 0.93 0.97 0.98 0.99 1.03 1.03 1.03 298 307 3.0%147 75% 1.02 1.02 0.92 0.99 0.97 1.00 0.94 0.94 1.00 1.00 1.04 1.04 1.05 310 324 4.5%

Pittsburgh 74% 0.00 0.00 1.06 3.5%

Notes:




Exhibit C-1 Page 9


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present CSL

Base Rate

Proposed

BI Base

Rate

Proposed

500/500

BI Base

Rate

Proposed

PD Base

Rate

Proposed

500 PD

Base Rate

Proposed

500/500/

500 BI/PD

Rate

Proposed

500 CSL

Rate

Proposed

CSL Base

Rate

Actual Base

Rate Change

7 481 166 392 292 339 731 709 490 1.9%12 526 179 423 312 362 785 761 526 0.0%14 525 182 430 303 351 781 758 524 ‐0.2%19 473 171 404 266 309 712 691 478 1.1%23 441 159 376 244 283 659 639 442 0.2%31 1022 433 903 483 560 1464 1420 1029 0.7%32 951 372 776 493 572 1348 1307 947 ‐0.4%33 864 337 703 459 532 1235 1198 868 0.5%55 438 165 390 230 267 657 637 441 0.7%58 566 187 442 352 408 850 825 571 0.9%59 509 174 411 302 350 761 738 510 0.2%61 656 223 527 397 461 987 958 663 1.1%82 652 223 465 411 477 942 914 662 1.5%83 744 268 559 443 514 1073 1041 754 1.3%85 536 205 484 278 322 807 782 541 0.9%110 819 329 686 422 490 1176 1141 827 1.0%111 818 323 674 432 501 1175 1140 826 1.0%112 713 266 555 402 466 1021 991 718 0.7%113 746 287 599 410 476 1074 1042 755 1.2%114 629 228 476 370 429 905 878 636 1.1%115 664 253 528 367 426 953 925 670 0.9%116 573 205 484 331 384 868 842 582 1.6%117 628 225 469 371 430 900 873 633 0.8%118 694 262 547 387 449 995 966 700 0.9%120 794 294 613 444 515 1128 1094 793 ‐0.1%121 936 370 772 479 556 1327 1288 933 ‐0.3%128 607 207 489 371 430 919 892 617 1.6%129 692 263 549 379 440 988 959 695 0.4%130 644 217 513 391 454 966 937 648 0.6%131 1045 501 1045 404 469 1514 1468 1064 1.8%132 1177 574 1197 450 522 1719 1668 1209 2.7%133 1139 555 1158 452 524 1682 1632 1183 3.9%135 1325 644 1343 497 577 1920 1862 1349 1.8%137 799 307 640 426 494 1135 1101 798 ‐0.1%140 558 212 442 308 357 800 776 562 0.7%141 484 178 420 261 303 723 702 485 0.2%143 1210 567 1183 510 592 1774 1721 1247 3.1%144 1041 443 924 500 580 1504 1459 1057 1.5%148 536 207 432 297 345 776 753 546 1.9%149 592 211 440 355 412 852 826 599 1.2%150 570 214 446 320 371 818 793 575 0.9%152 1118 528 1101 452 524 1626 1577 1143 2.2%153 1312 632 1318 500 580 1898 1841 1334 1.7%

Allentown 0.8%


Base Rate Development ‐ Combined Single Limit

Exhibit C-1 Page 10


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present CSL

Base Rate

Proposed

BI Base

Rate

Proposed

500/500

BI Base

Rate

Proposed

PD Base

Rate

Proposed

500 PD

Base Rate

Proposed

500/500/

500 BI/PD

Rate

Proposed

500 CSL

Rate

Proposed

CSL Base

Rate

Actual Base

Rate Change

9 601 201 475 404 469 943 915 633 5.3%54 376 128 302 231 268 570 553 382 1.6%56 463 144 340 298 346 686 665 460 ‐0.6%73 330 119 281 204 237 518 502 347 5.2%94 417 140 331 259 300 631 612 423 1.4%126 381 127 300 232 269 569 552 382 0.3%138 541 165 390 365 423 813 789 546 0.9%Erie 1.2%



Exhibit C-1 Page 11


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present CSL

Base Rate

Proposed

BI Base

Rate

Proposed

500/500

BI Base

Rate

Proposed

PD Base

Rate

Proposed

500 PD

Base Rate

Proposed

500/500/

500 BI/PD

Rate

Proposed

500 CSL

Rate

Proposed

CSL Base

Rate

Actual Base

Rate Change

4 508 170 402 336 390 791 768 531 4.5%6 438 152 359 279 324 683 662 458 4.6%8 420 128 302 282 327 629 611 423 0.7%10 389 128 302 245 284 587 569 393 1.0%13 420 125 295 280 325 620 601 416 ‐1.0%15 455 140 331 312 362 693 672 465 2.2%18 411 132 312 254 295 606 588 407 ‐1.0%20 316 119 281 192 223 504 489 338 7.0%21 365 126 298 238 276 574 556 385 5.5%22 387 133 314 235 273 587 569 393 1.6%24 480 148 350 318 369 718 697 482 0.4%25 500 154 364 351 407 771 748 517 3.4%26 472 153 361 305 354 715 694 480 1.7%27 393 122 288 255 296 584 566 391 ‐0.5%28 454 157 371 285 331 701 680 470 3.5%29 443 139 328 299 347 675 655 453 2.3%30 366 123 291 236 274 564 547 378 3.3%57 359 121 286 223 259 544 528 365 1.7%84 347 134 317 202 234 551 534 369 6.3%

127 316 121 286 188 218 504 489 338 7.0%136 342 115 272 215 249 521 505 349 2.0%142 393 132 312 245 284 596 578 400 1.8%151 332 124 293 196 227 520 505 349 5.1%

Harrisburg 2.1%



Exhibit C-1 Page 12


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present CSL

Base Rate

Proposed

BI Base

Rate

Proposed

500/500

BI Base

Rate

Proposed

PD Base

Rate

Proposed

500 PD

Base Rate

Proposed

500/500/

500 BI/PD

Rate

Proposed

500 CSL

Rate

Proposed

CSL Base

Rate

Actual Base

Rate Change

2 400 129 305 255 296 600 582 402 0.5%3 399 123 291 253 293 584 566 391 ‐2.0%11 415 136 321 278 322 644 624 432 4.1%16 405 130 307 253 293 601 583 403 ‐0.5%17 396 138 326 244 283 609 591 409 3.3%40 397 117 276 261 303 579 562 389 ‐2.0%88 410 137 324 244 283 607 588 407 ‐0.7%91 464 135 282 339 393 675 655 475 2.4%92 343 118 279 221 256 535 519 359 4.7%93 363 124 293 227 263 556 540 373 2.8%95 428 139 328 275 319 647 628 434 1.4%96 447 145 342 296 343 686 665 460 2.9%97 421 141 333 280 325 658 638 441 4.8%98 433 127 300 290 336 636 617 427 ‐1.4%99 408 133 314 243 282 596 578 400 ‐2.0%100 443 131 309 296 343 653 633 438 ‐1.1%101 512 146 305 385 447 751 729 528 3.1%102 524 150 313 388 450 763 740 536 2.3%103 584 156 325 441 512 837 812 588 0.7%104 522 135 282 394 457 739 716 519 ‐0.6%105 574 153 319 421 488 808 783 567 ‐1.2%106 509 137 286 387 449 735 713 517 1.6%107 442 129 269 320 371 640 621 450 1.8%108 458 136 284 344 399 683 662 480 4.8%109 478 141 294 364 422 716 695 504 5.4%119 425 132 312 311 361 673 652 451 6.1%122 423 131 309 288 334 644 624 432 2.1%123 435 141 333 287 333 666 646 447 2.8%124 463 144 340 314 364 704 683 472 1.9%145 414 133 314 267 310 624 605 418 1.0%146 435 127 300 307 356 656 636 440 1.1%147 445 128 302 324 376 678 658 455 2.2%

Pittsburgh 2.7%



Exhibit C-1 Page 13


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

Loss

Ratio

Loss

Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility Wtd

Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change

7 59% 1.04 1.03 0.40 0.91 1.00 1.03 1.02 0.99 0.95 0.99 0.98 0.98 0.982 136 134 ‐1.5%

12 52% 0.91 0.92 0.44 1.08 1.00 1.05 1.13 1.08 0.99 1.00 0.99 0.99 0.990 139 138 ‐0.7%

14 62% 1.09 1.08 0.50 1.02 1.00 1.13 1.05 0.93 1.04 1.01 1.00 1.00 1.000 149 149 0.0%

19 61% 1.06 1.06 0.18 0.95 1.00 1.10 1.11 1.01 0.96 0.99 0.98 0.98 0.984 146 144 ‐1.4%

23 48% 0.84 0.85 0.42 0.00 0.00 0.94 1.00 1.07 0.96 0.99 0.98 0.98 0.988 124 123 ‐0.8%

31 89% 1.55 1.52 0.24 0.97 1.00 2.85 2.15 0.76 1.09 1.02 1.01 1.01 1.006 377 379 0.5%

32 62% 1.08 1.08 0.19 1.09 1.00 1.96 1.58 0.80 1.07 1.02 1.01 1.01 1.003 260 261 0.4%

33 51% 0.89 0.90 0.33 1.33 1.00 1.64 1.36 0.83 1.17 1.04 1.03 1.03 1.029 217 223 2.8%

55 44% 0.77 0.78 0.14 1.03 1.00 1.06 0.98 0.93 0.98 1.00 0.99 0.99 0.991 140 139 ‐0.7%

58 52% 0.91 0.92 0.61 0.00 0.00 1.13 1.12 0.99 0.93 0.98 0.97 0.97 0.977 150 147 ‐2.0%

59 55% 0.95 0.95 0.64 0.00 0.00 0.98 1.04 1.06 0.98 1.00 0.99 0.99 0.990 130 129 ‐0.8%

61 54% 0.95 0.95 0.22 1.03 1.00 1.06 1.03 0.97 1.00 1.00 0.99 0.99 0.990 140 139 ‐0.7%

82 58% 1.02 1.01 0.29 1.02 1.00 1.03 1.05 1.02 1.00 1.00 0.99 0.99 0.991 137 136 ‐0.7%

83 77% 1.34 1.33 0.13 1.07 1.00 1.49 1.17 0.79 1.09 1.02 1.01 1.01 1.011 197 199 1.0%

85 45% 0.79 0.80 0.38 0.00 0.00 1.31 1.22 0.93 0.87 0.97 0.96 0.96 0.964 173 167 ‐3.5%

110 66% 1.14 1.14 0.18 1.00 1.00 1.88 1.93 1.03 1.01 1.00 0.99 0.99 0.989 249 246 ‐1.2%

111 63% 1.10 1.09 0.23 0.99 1.00 1.71 1.73 1.01 1.00 1.00 0.99 0.99 0.989 227 225 ‐0.9%

112 50% 0.87 0.88 0.11 1.01 1.00 1.42 1.63 1.15 0.98 1.00 0.99 0.99 0.986 188 185 ‐1.6%

113 60% 1.05 1.05 0.32 0.99 1.00 1.71 1.61 0.94 1.00 1.00 0.99 0.99 0.990 226 224 ‐0.9%

114 55% 0.96 0.97 0.27 1.01 1.00 1.21 1.24 1.03 0.99 1.00 0.99 0.99 0.990 160 158 ‐1.3%

115 59% 1.02 1.02 0.17 1.01 1.00 1.22 1.29 1.06 0.99 1.00 0.99 0.99 0.992 161 160 ‐0.6%

116 60% 1.04 1.04 0.20 1.01 1.00 1.17 1.09 0.93 1.00 1.00 0.99 0.99 0.992 155 154 ‐0.6%

117 52% 0.91 0.91 0.34 1.04 1.00 1.14 1.11 0.97 0.98 1.00 0.99 0.99 0.986 151 149 ‐1.3%

118 55% 0.95 0.96 0.44 1.05 1.00 1.39 1.48 1.06 0.99 1.00 0.99 0.99 0.988 184 182 ‐1.1%

120 66% 1.15 1.14 0.17 1.00 1.00 1.36 1.51 1.11 1.01 1.00 0.99 0.99 0.989 180 178 ‐1.1%

121 78% 1.36 1.34 0.13 1.00 1.00 2.03 1.87 0.92 1.03 1.01 1.00 1.00 0.995 269 268 ‐0.4%

128 69% 1.20 1.19 0.15 1.00 1.00 1.00 1.04 1.04 1.01 1.00 0.99 0.99 0.995 132 131 ‐0.8%

129 56% 0.97 0.97 0.12 1.01 1.00 1.31 1.20 0.91 0.99 1.00 0.99 0.99 0.985 174 171 ‐1.7%

130 55% 0.96 0.96 0.14 1.02 1.00 1.08 1.01 0.93 1.00 1.00 0.99 0.99 0.991 143 142 ‐0.7%

131 43% 0.75 0.76 0.06 1.22 1.00 3.04 2.24 0.74 1.18 1.04 1.03 1.03 1.031 402 414 3.0%

132 68% 1.18 1.17 0.27 1.22 1.00 4.49 2.92 0.65 1.19 1.04 1.03 1.03 1.030 595 613 3.0%

133 156% 2.73 2.63 0.14 1.17 1.00 4.61 3.04 0.66 1.35 1.08 1.07 1.05 1.041 611 636 4.1%

135 68% 1.19 1.18 0.32 1.23 1.00 5.29 3.20 0.60 1.19 1.05 1.04 1.04 1.029 700 720 2.9%

137 66% 1.15 1.15 0.24 1.00 1.00 1.45 1.46 1.00 1.02 1.00 0.99 0.99 0.992 192 190 ‐1.0%

140 62% 1.09 1.08 0.35 0.99 1.00 1.21 1.09 0.90 1.01 1.00 0.99 0.99 0.996 160 159 ‐0.6%

141 58% 1.02 1.02 0.30 1.08 1.00 1.06 1.08 1.02 1.05 1.01 1.00 1.00 1.006 141 142 0.7%

143 67% 1.17 1.16 0.32 1.23 1.00 4.15 2.67 0.64 1.19 1.04 1.03 1.03 1.028 550 565 2.7%

144 34% 0.59 0.61 0.08 1.23 1.00 2.74 2.01 0.73 1.16 1.04 1.03 1.03 1.024 363 372 2.5%

148 48% 0.84 0.85 0.12 1.01 1.00 1.05 1.06 1.01 0.98 1.00 0.99 0.99 0.993 139 138 ‐0.7%

149 64% 1.11 1.11 0.27 0.99 1.00 1.03 1.09 1.06 1.01 1.00 0.99 0.99 0.994 136 135 ‐0.7%

150 42% 0.73 0.74 0.21 1.04 1.00 1.15 1.08 0.94 0.96 0.99 0.98 0.98 0.985 152 150 ‐1.3%

152 61% 1.06 1.05 0.16 1.23 1.00 3.88 3.04 0.78 1.18 1.04 1.03 1.03 1.028 514 528 2.7%

153 96% 1.67 1.63 0.18 1.18 1.00 5.48 3.76 0.69 1.24 1.06 1.05 1.05 1.040 725 754 4.0%

Allentown 57% 1.35 ‐1.0%

Notes:



Base Rate Development ‐ FPB Medical

Exhibit C-1 Page 14


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

Loss

Ratio

Loss

Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility Wtd

Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change

9 80% 1.54 1.51 0.28 0.93 1.00 1.15 1.13 0.98 1.07 1.08 1.08 1.05 1.049 152 159 4.6%

54 56% 1.07 1.07 0.43 0.00 0.00 0.80 0.89 1.11 1.07 1.08 1.08 1.05 1.054 106 112 5.7%

56 39% 0.75 0.77 0.28 1.07 1.00 0.92 0.99 1.07 0.97 0.96 0.97 0.98 0.984 122 120 ‐1.6%

73 57% 1.09 1.09 0.32 1.07 1.00 0.73 0.90 1.23 1.05 1.06 1.06 1.05 1.054 97 102 5.2%

94 48% 0.93 0.93 0.34 0.87 1.00 0.92 0.94 1.02 0.87 0.87 0.87 0.98 0.985 122 120 ‐1.6%

126 45% 0.86 0.87 0.32 1.00 1.00 0.79 0.87 1.10 0.94 0.94 0.94 0.98 0.985 105 103 ‐1.9%

138 48% 0.93 0.93 0.38 0.00 0.00 0.96 1.02 1.07 1.00 1.00 1.00 1.00 1.000 127 127 0.0%

Erie 52% 1.07 1.7%

Notes:




Exhibit C-1 Page 15


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

Loss

Ratio

Loss

Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility Wtd

Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change

4 51% 0.90 0.91 0.41 1.05 1.00 1.04 1.02 0.98 0.97 0.99 0.99 0.99 0.992 138 137 ‐0.7%

6 56% 1.00 1.00 0.19 0.98 1.00 1.02 0.93 0.91 0.96 0.99 0.99 0.99 0.995 135 134 ‐0.7%

8 55% 0.97 0.97 0.25 1.09 1.00 0.93 0.89 0.95 1.03 1.01 1.02 1.02 1.022 123 126 2.4%

10 61% 1.09 1.09 0.10 0.97 1.00 0.88 0.87 0.99 0.96 0.98 0.99 0.99 0.994 116 115 ‐0.9%

13 49% 0.87 0.88 0.21 0.83 1.00 0.70 0.79 1.12 0.82 0.92 0.93 0.94 0.942 93 88 ‐5.4%

15 62% 1.11 1.10 0.52 0.00 0.00 0.80 0.88 1.10 1.08 1.03 1.04 1.04 1.037 106 110 3.8%

18 56% 1.00 1.01 0.39 0.00 0.00 0.76 0.80 1.06 1.02 1.01 1.01 1.01 1.019 100 102 2.0%

20 59% 1.05 1.05 0.11 1.22 1.00 0.75 0.89 1.19 1.18 1.08 1.08 1.06 1.069 99 106 7.1%

21 60% 1.06 1.06 0.33 0.93 1.00 0.79 0.85 1.07 0.95 0.98 0.98 0.98 0.988 105 104 ‐1.0%

22 53% 0.94 0.94 0.21 0.85 1.00 0.85 0.86 1.01 0.85 0.94 0.94 0.94 0.950 113 107 ‐5.3%

24 55% 0.98 0.98 0.39 1.15 1.00 0.90 0.86 0.96 1.06 1.02 1.03 1.03 1.034 119 123 3.4%

25 58% 1.03 1.03 0.53 0.00 0.00 0.97 0.92 0.94 0.97 0.99 0.99 0.99 0.992 129 128 ‐0.8%

26 61% 1.08 1.08 0.69 0.00 0.00 0.94 0.96 1.02 1.03 1.02 1.02 1.02 1.023 124 127 2.4%

27 60% 1.06 1.06 0.42 0.00 0.00 0.68 0.76 1.12 1.07 1.03 1.04 1.04 1.040 90 94 4.4%

28 65% 1.15 1.15 0.36 0.00 0.00 0.85 0.86 1.01 1.04 1.02 1.02 1.02 1.021 113 115 1.8%

29 48% 0.85 0.86 0.20 0.94 1.00 0.78 0.82 1.05 0.90 0.96 0.96 0.96 0.966 103 99 ‐3.9%

30 58% 1.03 1.03 0.28 0.96 1.00 0.72 0.79 1.09 0.96 0.98 0.99 0.99 0.993 96 95 ‐1.0%

57 46% 0.82 0.83 0.47 0.00 0.00 0.77 0.84 1.09 0.94 0.98 0.98 0.98 0.986 102 101 ‐1.0%

84 52% 0.92 0.93 0.36 0.00 0.00 0.88 0.90 1.02 0.97 0.99 0.99 0.99 0.997 117 117 0.0%

127 70% 1.24 1.23 0.18 1.08 1.00 0.76 0.85 1.12 1.08 1.03 1.04 1.04 1.046 101 106 5.0%

136 48% 0.85 0.86 0.24 0.83 1.00 0.72 0.81 1.12 0.81 0.92 0.93 0.94 0.946 96 91 ‐5.2%

142 46% 0.81 0.82 0.26 1.05 1.00 0.96 0.88 0.91 0.97 0.99 0.99 0.99 0.997 127 127 0.0%

151 66% 1.18 1.17 0.05 1.16 1.00 0.81 0.86 1.06 1.14 1.06 1.06 1.06 1.066 107 114 6.5%


Notes:




Exhibit C-1 Page 16


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

Loss

Ratio

Loss

Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of ERIE

Offbalance

Credibility Wtd

Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base

Rate

Proposed

Base Rate

Actual

Base Rate

Change

2 37% 0.68 0.70 0.11 1.03 1.00 0.94 0.94 1.01 0.99 0.98 0.99 0.99 0.995 124 123 ‐0.8%

3 55% 1.01 1.01 0.23 0.83 1.00 0.88 0.87 0.99 0.87 0.83 0.83 0.92 0.925 117 108 ‐7.7%

11 39% 0.73 0.74 0.16 1.07 1.00 0.93 0.85 0.92 1.01 1.02 1.02 1.02 1.025 123 126 2.4%

16 45% 0.82 0.83 0.14 1.07 1.00 0.88 0.91 1.04 1.03 1.04 1.05 1.05 1.053 116 122 5.2%

17 53% 0.99 0.99 0.32 0.00 0.00 1.00 1.03 1.02 1.01 1.01 1.01 1.01 1.017 133 135 1.5%

40 42% 0.77 0.79 0.18 0.92 1.00 0.80 0.81 1.01 0.89 0.86 0.86 0.92 0.922 106 98 ‐7.5%

88 63% 1.17 1.16 0.14 0.96 1.00 0.97 1.03 1.05 0.98 0.97 0.98 0.98 0.982 129 127 ‐1.6%

91 85% 1.56 1.53 0.03 1.05 1.00 1.07 1.00 0.94 1.06 1.08 1.08 1.08 1.085 142 154 8.5%

92 65% 1.21 1.20 0.22 0.92 1.00 0.78 0.94 1.21 0.98 0.97 0.97 0.97 0.980 103 101 ‐1.9%

93 50% 0.92 0.93 0.34 0.00 0.00 0.82 0.89 1.09 1.03 1.03 1.04 1.04 1.043 109 114 4.6%

95 76% 1.41 1.39 0.08 0.95 1.00 0.95 0.95 0.99 0.98 0.98 0.98 0.98 0.983 126 124 ‐1.6%

96 65% 1.21 1.20 0.19 0.92 1.00 1.08 1.00 0.92 0.97 0.96 0.96 0.96 0.964 143 138 ‐3.5%

97 48% 0.88 0.89 0.13 1.11 1.00 1.00 0.97 0.98 1.07 1.10 1.10 1.10 1.103 132 146 10.6%

98 58% 1.07 1.07 0.39 0.91 1.00 0.82 0.93 1.14 0.96 0.95 0.96 0.96 0.961 108 104 ‐3.7%

99 39% 0.72 0.73 0.10 1.06 1.00 0.88 0.96 1.08 1.02 1.03 1.03 1.03 1.036 117 121 3.4%

100 54% 1.00 1.00 0.18 1.04 1.00 0.81 0.91 1.13 1.03 1.04 1.04 1.04 1.042 107 112 4.7%

101 58% 1.07 1.06 0.37 1.04 1.00 1.07 0.98 0.91 1.05 1.06 1.06 1.06 1.066 142 151 6.3%

102 57% 1.05 1.04 0.40 1.06 1.00 1.11 1.02 0.92 1.05 1.07 1.07 1.07 1.069 147 157 6.8%

103 47% 0.87 0.87 0.25 0.97 1.00 1.08 0.95 0.88 0.94 0.92 0.93 0.93 0.926 143 132 ‐7.7%

104 53% 0.98 0.98 0.21 1.06 1.00 0.93 0.92 0.99 1.04 1.05 1.05 1.05 1.054 123 130 5.7%

105 45% 0.83 0.84 0.28 1.02 1.00 1.03 0.96 0.93 0.96 0.95 0.96 0.96 0.956 136 130 ‐4.4%

106 58% 1.06 1.06 0.51 0.00 0.00 0.88 0.90 1.03 1.04 1.05 1.06 1.06 1.056 116 122 5.2%

107 49% 0.90 0.91 0.21 1.05 1.00 0.82 0.87 1.05 1.02 1.02 1.03 1.03 1.030 109 112 2.8%

108 57% 1.05 1.05 0.53 0.00 0.00 0.82 0.82 1.00 1.02 1.03 1.03 1.03 1.035 108 112 3.7%

109 52% 0.96 0.96 0.64 0.00 0.00 0.91 0.92 1.01 0.98 0.97 0.97 0.97 0.972 120 117 ‐2.5%

119 49% 0.90 0.90 0.25 0.00 0.00 0.85 0.83 0.98 0.95 0.94 0.94 0.94 0.942 112 105 ‐6.3%

122 58% 1.08 1.07 0.32 0.85 1.00 0.90 0.89 0.99 0.91 0.89 0.89 0.92 0.924 119 110 ‐7.6%

123 50% 0.92 0.93 0.33 0.97 1.00 1.06 1.02 0.96 0.95 0.94 0.94 0.94 0.944 140 132 ‐5.7%

124 70% 1.29 1.27 0.10 0.95 1.00 1.14 1.01 0.89 0.98 0.97 0.98 0.98 0.979 151 148 ‐2.0%145 55% 1.01 1.01 0.17 1.04 1.00 0.95 0.96 1.01 1.03 1.04 1.04 1.04 1.049 126 132 4.8%146 56% 1.03 1.03 0.46 1.05 1.00 0.93 0.96 1.03 1.03 1.05 1.05 1.05 1.052 123 129 4.9%147 57% 1.05 1.05 0.46 1.03 1.00 0.97 0.96 0.99 1.03 1.05 1.05 1.05 1.052 129 136 5.4%


Notes:




Exhibit C-1 Page 17

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competit

or

Relativity

Competitor

Relativity as Factor

of ERIE

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to Shrink

Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

7 66% 1.42 1.40 0.12 0.92 0.94 1.02 1.12 1.03 1.02 1.02 1.016 19 19 0.0%12 49% 1.05 1.05 0.11 1.31 1.15 0.88 0.94 0.99 0.98 0.98 0.975 27 26 ‐3.7%14 42% 0.90 0.90 0.14 1.11 1.12 1.00 1.03 1.01 1.00 1.00 0.994 23 23 0.0%19 92% 1.99 1.94 0.03 1.06 1.13 1.07 1.14 1.03 1.02 1.02 1.020 22 22 0.0%23 47% 1.00 1.00 0.12 1.21 1.11 0.92 0.97 0.99 0.98 0.98 0.985 25 25 0.0%31 48% 1.04 1.04 0.07 2.18 1.57 0.72 0.78 0.95 0.94 0.94 0.937 45 42 ‐6.7%32 200% 4.31 4.13 0.04 1.35 1.24 0.92 1.09 1.02 1.01 1.01 1.006 28 28 0.0%33 48% 1.03 1.03 0.07 1.21 1.15 0.95 1.00 1.00 0.99 0.99 0.990 25 25 0.0%55 30% 0.64 0.66 0.04 0.92 0.94 1.02 1.05 1.01 1.00 1.00 1.002 19 19 0.0%58 48% 1.04 1.04 0.15 1.02 1.03 1.02 1.07 1.01 1.00 1.00 1.000 21 21 0.0%59 63% 1.36 1.34 0.17 0.97 0.99 1.02 1.13 1.03 1.02 1.02 1.016 20 20 0.0%61 15% 0.32 0.35 0.04 1.02 0.99 0.97 1.00 1.00 0.99 0.99 0.988 21 21 0.0%82 42% 0.90 0.91 0.06 0.87 0.98 1.12 1.16 1.03 1.02 1.02 1.023 18 18 0.0%83 23% 0.49 0.52 0.03 1.11 1.03 0.93 0.96 0.99 0.98 0.98 0.982 23 23 0.0%85 41% 0.87 0.88 0.12 1.40 1.29 0.92 0.96 0.99 0.98 0.98 0.981 29 28 ‐3.4%

110 317% 6.82 6.51 0.04 1.74 1.62 0.93 1.19 1.04 1.03 1.03 1.023 36 37 2.8%111 26% 0.56 0.58 0.04 1.74 1.53 0.88 0.90 0.98 0.97 0.97 0.966 36 35 ‐2.8%112 6% 0.13 0.18 0.02 1.35 1.47 1.08 1.12 1.02 1.01 1.01 1.014 28 28 0.0%113 20% 0.42 0.45 0.06 1.45 1.28 0.88 0.90 0.98 0.97 0.97 0.966 30 29 ‐3.3%114 34% 0.73 0.74 0.06 1.21 1.03 0.85 0.89 0.98 0.97 0.97 0.967 25 24 ‐4.0%115 12% 0.26 0.30 0.03 1.21 1.08 0.89 0.92 0.98 0.97 0.97 0.973 25 24 ‐4.0%116 57% 1.23 1.22 0.04 1.11 0.98 0.88 0.93 0.99 0.98 0.98 0.976 23 22 ‐4.3%117 31% 0.66 0.68 0.07 1.02 0.97 0.95 0.98 1.00 0.99 0.99 0.985 21 21 0.0%118 18% 0.38 0.42 0.07 1.35 1.13 0.84 0.84 0.97 0.96 0.96 0.956 28 27 ‐3.6%120 15% 0.31 0.35 0.02 1.21 1.16 0.96 1.00 1.00 0.99 0.99 0.983 25 25 0.0%121 7% 0.16 0.21 0.02 1.64 1.34 0.81 0.84 0.97 0.96 0.96 0.952 34 32 ‐5.9%128 0% 0.00 0.05 0.00 1.06 0.98 0.92 0.96 0.99 0.98 0.98 0.983 22 22 0.0%129 19% 0.41 0.45 0.02 1.16 0.99 0.85 0.88 0.98 0.97 0.97 0.962 24 23 ‐4.2%130 19% 0.40 0.44 0.03 0.92 0.96 1.05 1.08 1.02 1.01 1.01 1.006 19 19 0.0%131 0% 0.00 0.05 0.00 2.95 1.74 0.59 0.62 0.92 0.91 0.92 0.918 61 56 ‐8.2%132 6% 0.14 0.18 0.04 3.77 2.20 0.58 0.59 0.92 0.91 0.92 0.917 78 72 ‐7.7%133 10% 0.21 0.25 0.02 3.24 1.96 0.61 0.63 0.92 0.91 0.92 0.909 67 61 ‐9.0%135 126% 2.72 2.63 0.05 3.67 2.23 0.61 0.74 0.95 0.94 0.94 0.929 76 71 ‐6.6%137 19% 0.41 0.44 0.04 1.69 1.18 0.70 0.72 0.94 0.93 0.93 0.927 35 32 ‐8.6%140 62% 1.35 1.33 0.10 1.11 0.96 0.86 0.95 0.99 0.98 0.98 0.983 23 23 0.0%141 45% 0.96 0.97 0.08 0.97 1.12 1.16 1.19 1.04 1.03 1.03 1.032 20 21 5.0%143 34% 0.74 0.75 0.05 3.09 1.87 0.61 0.64 0.93 0.92 0.92 0.915 64 59 ‐7.8%144 106% 2.29 2.22 0.03 2.03 1.60 0.79 0.87 0.97 0.96 0.96 0.956 42 40 ‐4.8%148 1% 0.01 0.07 0.02 1.26 0.95 0.76 0.78 0.95 0.94 0.94 0.949 26 25 ‐3.8%149 17% 0.36 0.40 0.05 1.11 0.97 0.87 0.88 0.98 0.97 0.97 0.966 23 22 ‐4.3%150 18% 0.39 0.43 0.05 1.21 0.96 0.80 0.81 0.96 0.95 0.95 0.952 25 24 ‐4.0%152 0% 0.00 0.05 0.00 3.24 2.38 0.74 0.77 0.95 0.94 0.94 0.939 67 63 ‐6.0%153 98% 2.10 2.04 0.04 4.11 2.68 0.65 0.74 0.95 0.94 0.94 0.929 85 79 ‐7.1%

Allentown 46% 1.19 ‐1.1%

Notes:



Base Rate Development ‐ FPB Income

Exhibit C-1 Page 18

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competit

or

Relativity

Competitor


of ERIE

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to Shrink

Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

9 90% 1.68 1.65 0.07 1.21 1.05 0.86 0.97 0.89 0.89 0.95 0.944 25 24 ‐4.0%54 55% 1.03 1.03 0.13 1.02 0.97 0.96 1.02 1.06 1.07 1.05 1.050 21 22 4.8%56 46% 0.86 0.86 0.06 1.02 0.90 0.89 0.93 0.77 0.77 0.95 0.949 21 20 ‐4.8%73 62% 1.15 1.14 0.09 1.02 0.95 0.94 1.01 1.03 1.03 1.03 1.028 21 22 4.8%94 50% 0.94 0.94 0.09 1.06 1.04 0.97 1.02 1.08 1.08 1.05 1.048 22 23 4.5%

126 53% 0.99 0.99 0.09 1.02 0.96 0.95 1.00 1.01 1.01 1.01 1.007 21 21 0.0%138 38% 0.70 0.72 0.09 0.97 0.95 0.98 1.01 1.03 1.03 1.03 1.024 20 20 0.0%Erie 54% 1.02 1.6%

Notes:

Competitors (weighting): All (20%), Prog(20%), Trav(20%), Don(5%), SF(35%)Losses: 3 years accident year data ending 9/30/2017Premiums: 3 years accident year data ending 9/30/2017Credibility: Square Root of Claims method with 3,000 claims needed for full credibility



Exhibit C-1 Page 19

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competit

or

Relativity

Competitor


of ERIE

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to Shrink

Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

4 27% 0.55 0.57 0.09 1.02 0.96 0.95 0.89 0.96 0.97 0.97 0.965 21 20 ‐4.8%6 128% 2.60 2.52 0.06 1.02 0.91 0.89 0.97 0.99 0.99 0.99 0.996 21 21 0.0%8 53% 1.08 1.08 0.06 0.77 0.92 1.18 1.15 1.05 1.06 1.06 1.056 16 17 6.3%

10 4% 0.08 0.13 0.03 0.87 0.90 1.03 0.98 0.99 1.00 1.00 1.000 18 18 0.0%13 8% 0.16 0.21 0.04 0.73 0.86 1.19 1.12 1.04 1.05 1.05 1.045 15 16 6.7%15 63% 1.29 1.27 0.14 0.92 0.94 1.02 1.03 1.01 1.01 1.01 1.011 19 19 0.0%18 34% 0.69 0.71 0.10 0.87 0.86 0.99 0.94 0.98 0.99 0.99 0.987 18 18 0.0%20 35% 0.71 0.72 0.03 0.82 0.89 1.09 1.05 1.02 1.02 1.02 1.027 17 17 0.0%21 68% 1.37 1.35 0.09 0.77 0.91 1.17 1.16 1.05 1.06 1.06 1.062 16 17 6.3%22 31% 0.63 0.65 0.05 1.02 0.99 0.97 0.93 0.98 0.98 0.98 0.985 21 21 0.0%24 65% 1.33 1.31 0.11 0.97 0.89 0.92 0.94 0.98 0.98 0.98 0.985 20 20 0.0%25 42% 0.86 0.87 0.13 1.02 0.96 0.95 0.91 0.97 0.98 0.98 0.974 21 20 ‐4.8%26 75% 1.52 1.50 0.19 0.92 0.97 1.05 1.11 1.04 1.04 1.04 1.042 19 20 5.3%27 33% 0.68 0.70 0.10 0.82 0.84 1.03 0.97 0.99 1.00 1.00 0.994 17 17 0.0%28 54% 1.10 1.09 0.09 0.92 0.88 0.95 0.94 0.98 0.99 0.99 0.985 19 19 0.0%29 24% 0.48 0.51 0.03 0.77 0.99 1.28 1.22 1.08 1.08 1.06 1.060 16 17 6.3%30 25% 0.51 0.53 0.08 0.68 0.86 1.27 1.18 1.06 1.07 1.06 1.062 14 15 7.1%57 41% 0.84 0.85 0.14 0.92 0.89 0.97 0.93 0.98 0.98 0.98 0.984 19 19 0.0%84 42% 0.85 0.86 0.08 0.92 0.91 0.99 0.96 0.99 0.99 0.99 0.993 19 19 0.0%

127 14% 0.29 0.33 0.04 0.92 0.91 0.99 0.94 0.98 0.98 0.98 0.987 19 19 0.0%136 35% 0.71 0.73 0.08 0.92 0.86 0.93 0.90 0.97 0.97 0.97 0.973 19 18 ‐5.3%142 45% 0.91 0.92 0.08 1.02 0.98 0.96 0.94 0.98 0.98 0.98 0.985 21 21 0.0%151 23% 0.47 0.50 0.03 0.92 0.91 0.99 0.96 0.99 0.99 0.99 0.997 19 19 0.0%


Notes:




Exhibit C-1 Page 20

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competit

or

Relativity

Competitor


of ERIE

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to Shrink

Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

2 18% 0.33 0.37 0.04 1.06 0.98 0.93 0.86 0.88 0.88 0.90 0.903 22 20 ‐9.1%3 28% 0.53 0.55 0.06 0.92 0.98 1.06 0.98 0.98 0.99 0.99 0.987 19 19 0.0%

11 10% 0.20 0.24 0.03 0.87 0.97 1.11 1.03 1.03 1.03 1.03 1.031 18 19 5.6%16 27% 0.51 0.54 0.03 0.92 0.96 1.04 0.98 0.98 0.98 0.98 0.985 19 19 0.0%17 79% 1.49 1.46 0.10 1.06 1.15 1.08 1.07 1.06 1.06 1.06 1.060 22 23 4.5%40 58% 1.09 1.08 0.05 0.77 0.86 1.11 1.06 1.05 1.05 1.05 1.054 16 17 6.3%88 61% 1.15 1.15 0.04 0.92 0.89 0.97 0.93 0.94 0.94 0.94 0.947 19 18 ‐5.3%91 0% 0.00 0.05 0.00 0.92 1.02 1.11 1.06 1.05 1.05 1.05 1.047 19 20 5.3%92 31% 0.59 0.61 0.05 0.87 0.89 1.03 0.96 0.96 0.97 0.97 0.969 18 17 ‐5.6%93 34% 0.65 0.67 0.10 0.87 0.97 1.12 1.02 1.02 1.02 1.02 1.021 18 18 0.0%95 96% 1.81 1.77 0.04 0.97 0.98 1.02 0.99 0.99 1.00 1.00 0.996 20 20 0.0%96 126% 2.39 2.31 0.06 1.16 1.00 0.86 0.90 0.91 0.92 0.92 0.913 24 22 ‐8.3%97 24% 0.46 0.49 0.04 1.16 1.00 0.86 0.81 0.83 0.83 0.90 0.901 24 22 ‐8.3%98 61% 1.16 1.15 0.10 1.02 1.06 1.04 1.00 1.00 1.01 1.01 1.004 21 21 0.0%99 90% 1.70 1.66 0.03 1.02 1.07 1.05 1.02 1.01 1.02 1.02 1.017 21 21 0.0%

100 53% 1.01 1.01 0.04 0.97 1.05 1.09 1.03 1.03 1.03 1.03 1.031 20 21 5.0%101 66% 1.26 1.24 0.09 0.97 0.99 1.03 1.00 1.00 1.00 1.00 0.999 20 20 0.0%102 89% 1.69 1.66 0.12 1.06 1.09 1.02 1.05 1.04 1.04 1.04 1.040 22 23 4.5%103 44% 0.84 0.85 0.06 1.16 1.13 0.97 0.92 0.93 0.93 0.93 0.928 24 22 ‐8.3%104 13% 0.24 0.28 0.04 0.87 0.99 1.13 1.04 1.04 1.04 1.04 1.039 18 19 5.6%105 49% 0.92 0.92 0.08 1.02 1.12 1.10 1.04 1.03 1.03 1.03 1.030 21 22 4.8%106 61% 1.16 1.15 0.14 0.92 0.95 1.04 1.00 1.00 1.01 1.01 1.002 19 19 0.0%107 40% 0.75 0.76 0.04 0.92 0.90 0.98 0.93 0.94 0.94 0.94 0.940 19 18 ‐5.3%108 35% 0.66 0.68 0.12 0.82 0.90 1.09 0.99 0.99 1.00 1.00 0.994 17 17 0.0%109 35% 0.66 0.68 0.14 0.87 0.96 1.10 0.99 0.99 1.00 1.00 0.994 18 18 0.0%119 45% 0.86 0.87 0.05 0.82 0.91 1.11 1.04 1.04 1.04 1.04 1.039 17 18 5.9%122 75% 1.42 1.40 0.09 0.87 0.95 1.09 1.06 1.06 1.06 1.06 1.059 18 19 5.6%123 34% 0.63 0.65 0.08 1.06 0.99 0.93 0.87 0.89 0.89 0.90 0.900 22 20 ‐9.1%124 76% 1.43 1.41 0.03 1.11 1.04 0.93 0.90 0.91 0.92 0.92 0.914 23 21 ‐8.7%145 51% 0.97 0.97 0.04 0.97 0.99 1.03 0.97 0.98 0.98 0.98 0.982 20 20 0.0%146 46% 0.87 0.88 0.12 0.97 0.99 1.02 0.95 0.96 0.96 0.96 0.963 20 19 ‐5.0%147 95% 1.80 1.76 0.14 0.92 0.99 1.07 1.11 1.10 1.10 1.10 1.100 19 21 10.5%


Notes:




Exhibit C-1 Page 21

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present

Pkg Base

Rate

Proposed

MP Base

Rate

Proposed

$100M Med

Base Rate

Proposed

Inc Base

Rate

Proposed

$2.5/50M Inc

Loss Base Rate

Proposed

Funeral

Base Rate

Proposed

AD Rate

Proposed

Pkg Base

Rate

Actual

Base Rate

Change7 395 134 307 19 71 2 10 390 ‐1.3%

12 432 138 316 26 98 2 10 426 ‐1.4%14 439 149 341 23 86 2 10 439 0.0%19 429 144 330 22 83 2 10 424 ‐1.2%23 390 123 282 25 94 2 10 387 ‐0.8%31 1044 379 868 42 158 2 10 1037 ‐0.7%32 712 261 598 28 105 2 10 715 0.4%33 603 223 511 25 94 2 10 616 2.2%55 404 139 318 19 71 2 10 402 ‐0.5%58 434 147 337 21 79 2 10 427 ‐1.6%59 385 129 295 20 75 2 10 382 ‐0.8%61 411 139 318 21 79 2 10 409 ‐0.5%82 393 136 311 18 68 2 10 391 ‐0.5%83 549 199 456 23 86 2 10 554 0.9%85 517 167 382 28 105 2 10 499 ‐3.5%110 717 246 563 37 139 2 10 714 ‐0.4%111 667 225 515 35 131 2 10 659 ‐1.2%112 548 185 424 28 105 2 10 541 ‐1.3%113 642 224 513 29 109 2 10 634 ‐1.2%114 472 158 362 24 90 2 10 464 ‐1.7%115 474 160 366 24 90 2 10 468 ‐1.3%116 453 154 353 22 83 2 10 447 ‐1.3%117 437 149 341 21 79 2 10 432 ‐1.1%118 538 182 417 27 101 2 10 530 ‐1.5%120 518 178 408 25 94 2 10 513 ‐1.0%121 756 268 614 32 120 2 10 746 ‐1.3%128 397 131 300 22 83 2 10 394 ‐0.8%129 500 171 392 23 86 2 10 490 ‐2.0%130 411 142 325 19 71 2 10 408 ‐0.7%131 1161 414 948 56 210 2 10 1170 0.8%132 1667 613 1404 72 270 2 10 1686 1.1%133 1662 636 1456 61 229 2 10 1697 2.1%135 1900 720 1649 71 266 2 10 1927 1.4%137 583 190 435 32 120 2 10 567 ‐2.7%140 465 159 364 23 86 2 10 462 ‐0.6%141 410 142 325 21 79 2 10 416 1.5%143 1512 565 1294 59 221 2 10 1527 1.0%144 1001 372 852 40 150 2 10 1014 1.3%148 428 138 316 25 94 2 10 422 ‐1.4%149 410 135 309 22 83 2 10 404 ‐1.5%150 454 150 344 24 90 2 10 446 ‐1.8%152 1440 528 1209 63 236 2 10 1457 1.2%153 1991 754 1727 79 296 2 10 2035 2.2%

Allentown ‐1.1%


Base Rate Development ‐FPB Package Benefits

Exhibit C-1 Page 22

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present

Pkg Base

Rate

Proposed

MP Base

Rate

Proposed

$100M Med

Base Rate

Proposed

Inc Base

Rate

Proposed

$2.5/50M Inc

Loss Base Rate

Proposed

Funeral

Base Rate

Proposed

AD Rate

Proposed

Pkg Base

Rate

Actual

Base Rate

Change9 454 159 364 24 90 2 10 466 2.6%

54 333 112 256 22 83 2 10 351 5.4%56 370 120 275 20 75 2 10 362 ‐2.2%73 313 102 234 22 83 2 10 328 4.8%94 374 120 275 23 86 2 10 373 ‐0.3%126 331 103 236 21 79 2 10 327 ‐1.2%138 378 127 291 20 75 2 10 378 0.0%Erie 2.4%



Exhibit C-1 Page 23

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present

Pkg Base

Rate

Proposed

MP Base

Rate

Proposed

$100M Med

Base Rate

Proposed

Inc Base

Rate

Proposed

$2.5/50M Inc

Loss Base Rate

Proposed

Funeral

Base Rate

Proposed

AD Rate

Proposed

Pkg Base

Rate

Actual

Base Rate

Change4 407 137 314 20 75 2 10 401 ‐1.5%6 400 134 307 21 79 2 10 398 ‐0.5%8 354 126 289 17 64 2 10 364 2.8%

10 345 115 263 18 68 2 10 343 ‐0.6%13 281 88 202 16 60 2 10 274 ‐2.5%15 326 110 252 19 71 2 10 335 2.8%18 309 102 234 18 68 2 10 313 1.3%20 302 106 243 17 64 2 10 318 5.3%21 312 104 238 17 64 2 10 314 0.6%22 350 107 245 21 79 2 10 336 ‐4.0%24 360 123 282 20 75 2 10 369 2.5%25 386 128 293 20 75 2 10 380 ‐1.6%26 367 127 291 20 75 2 10 378 3.0%27 282 94 215 17 64 2 10 291 3.2%28 342 115 263 19 71 2 10 347 1.5%29 308 99 227 17 64 2 10 302 ‐1.9%30 284 95 218 15 56 2 10 286 0.7%57 317 101 231 19 71 2 10 315 ‐0.6%84 351 117 268 19 71 2 10 351 0.0%127 315 106 243 19 71 2 10 326 3.5%136 303 91 208 18 68 2 10 288 ‐5.0%142 382 127 291 21 79 2 10 382 0.0%151 328 114 261 19 71 2 10 344 4.9%

Harrisburg 1.2%



Exhibit C-1 Page 24

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Zone

Present

Pkg Base

Rate

Proposed

MP Base

Rate

Proposed

$100M Med

Base Rate

Proposed

Inc Base

Rate

Proposed

$2.5/50M Inc

Loss Base Rate

Proposed

Funeral

Base Rate

Proposed

AD Rate

Proposed

Pkg Base

Rate

Actual

Base Rate

Change2 378 123 282 20 75 2 10 369 ‐2.4%3 351 108 247 19 71 2 10 331 ‐5.7%

11 361 126 289 19 71 2 10 372 3.0%16 349 122 279 19 71 2 10 363 4.0%17 399 135 309 23 86 2 10 407 2.0%40 315 98 224 17 64 2 10 300 ‐4.8%88 379 127 291 18 68 2 10 370 ‐2.4%91 408 154 353 20 75 2 10 440 7.8%92 315 101 231 17 64 2 10 307 ‐2.5%93 329 114 261 18 68 2 10 341 3.6%95 376 124 284 20 75 2 10 371 ‐1.3%96 429 138 316 22 83 2 10 411 ‐4.2%97 404 146 334 22 83 2 10 429 6.2%98 338 104 238 21 79 2 10 329 ‐2.7%99 359 121 277 21 79 2 10 368 2.5%100 332 112 256 21 79 2 10 347 4.5%101 412 151 346 20 75 2 10 433 5.1%102 431 157 360 23 86 2 10 458 6.3%103 429 132 302 22 83 2 10 397 ‐7.5%104 361 130 298 19 71 2 10 381 5.5%105 402 130 298 22 83 2 10 392 ‐2.5%106 349 122 279 19 71 2 10 363 4.0%107 333 112 256 18 68 2 10 336 0.9%108 323 112 256 17 64 2 10 332 2.8%109 354 117 268 18 68 2 10 347 ‐2.0%119 332 105 240 18 68 2 10 320 ‐3.6%122 352 110 252 19 71 2 10 335 ‐4.8%123 415 132 302 20 75 2 10 389 ‐6.3%124 444 148 339 21 79 2 10 430 ‐3.2%145 376 132 302 20 75 2 10 389 3.5%146 369 129 295 19 71 2 10 379 2.7%147 379 136 311 21 79 2 10 402 6.1%

Pittsburgh 0.4%



Exhibit C-1 Page 25


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

7 13% 0.85 0.85 0.084 0.860 0.876 1.018 1.036 1.007 1.027 1.027 1.03 5 5 0.0%

12 10% 0.68 0.70 0.098 1.370 1.214 0.886 0.894 0.979 0.998 0.998 1.00 9 9 0.0%

14 16% 1.05 1.05 0.137 1.466 1.261 0.860 0.913 0.983 1.002 1.002 1.00 10 10 0.0%

19 3% 0.18 0.22 0.026 1.370 1.176 0.858 0.867 0.974 0.993 0.993 0.99 9 9 0.0%

23 16% 1.02 1.02 0.102 0.924 0.953 1.032 1.062 1.012 1.032 1.032 1.03 6 6 0.0%

31 90% 5.91 5.65 0.088 3.027 2.270 0.750 1.215 1.042 1.063 1.063 1.06 38 40 5.3%

32 15% 0.99 1.00 0.037 1.848 1.700 0.920 0.951 0.990 1.010 1.010 1.01 22 22 0.0%

33 13% 0.84 0.85 0.071 1.466 1.418 0.967 0.989 0.998 1.018 1.018 1.02 15 15 0.0%

55 16% 1.05 1.05 0.032 1.020 1.083 1.062 1.094 1.019 1.039 1.039 1.04 7 7 0.0%

58 11% 0.71 0.72 0.129 1.083 0.853 0.787 0.803 0.961 0.980 0.980 0.98 9 9 0.0%

59 11% 0.74 0.76 0.128 0.829 0.851 1.027 1.023 1.005 1.025 1.025 1.03 8 8 0.0%

61 6% 0.40 0.43 0.032 0.892 1.020 1.143 1.156 1.031 1.051 1.051 1.05 8 8 0.0%

82 19% 1.23 1.22 0.071 0.924 1.123 1.216 1.253 1.050 1.071 1.071 1.07 9 10 11.1%

83 4% 0.29 0.33 0.018 1.211 1.140 0.941 0.959 0.992 1.012 1.012 1.01 11 11 0.0%

85 11% 0.74 0.76 0.086 1.179 1.073 0.910 0.924 0.985 1.004 1.004 1.00 9 9 0.0%

110 20% 1.34 1.32 0.041 2.199 2.320 1.055 1.099 1.019 1.039 1.039 1.04 24 25 4.2%

111 22% 1.42 1.40 0.061 2.008 2.180 1.086 1.139 1.027 1.047 1.047 1.05 18 19 5.6%

112 0% 0.00 0.05 0.000 1.434 1.250 0.872 0.899 0.980 0.999 0.999 1.00 14 14 0.0%

113 16% 1.05 1.05 0.071 1.370 1.559 1.138 1.166 1.033 1.053 1.053 1.05 11 12 9.1%

114 13% 0.87 0.88 0.058 1.115 1.136 1.019 1.042 1.008 1.028 1.028 1.03 8 8 0.0%

115 16% 1.07 1.06 0.048 1.115 1.164 1.044 1.077 1.015 1.035 1.035 1.04 9 9 0.0%

116 10% 0.68 0.70 0.041 1.115 1.056 0.947 0.966 0.993 1.013 1.013 1.01 9 9 0.0%

117 7% 0.46 0.49 0.052 0.956 1.058 1.106 1.108 1.021 1.041 1.041 1.04 7 7 0.0%

118 17% 1.08 1.08 0.108 1.179 1.336 1.133 1.162 1.032 1.052 1.052 1.05 10 11 10.0%

120 17% 1.10 1.09 0.041 1.657 1.598 0.964 1.000 1.000 1.020 1.020 1.02 15 15 0.0%

121 23% 1.50 1.48 0.037 1.976 2.316 1.172 1.220 1.043 1.064 1.064 1.06 26 28 7.7%

128 11% 0.70 0.71 0.032 1.020 1.030 1.010 1.031 1.006 1.026 1.026 1.03 8 8 0.0%

129 11% 0.72 0.74 0.037 1.179 1.251 1.061 1.082 1.016 1.036 1.036 1.04 11 11 0.0%

130 0% 0.00 0.05 0.000 1.020 1.002 0.983 1.013 1.003 1.023 1.023 1.02 8 8 0.0%131 26% 1.67 1.64 0.026 4.716 3.558 0.754 0.801 0.961 0.980 0.980 0.98 57 56 ‐1.8%132 50% 3.25 3.13 0.088 5.417 4.175 0.771 1.007 1.001 1.021 1.021 1.02 77 79 2.6%133 159% 10.41 9.91 0.052 4.748 3.440 0.725 1.236 1.046 1.067 1.067 1.07 66 70 6.1%135 76% 4.98 4.77 0.103 5.354 4.174 0.780 1.229 1.045 1.066 1.066 1.07 76 81 6.6%137 17% 1.12 1.12 0.058 1.593 1.630 1.023 1.060 1.012 1.032 1.032 1.03 16 17 6.3%140 22% 1.47 1.44 0.091 1.052 1.007 0.958 1.033 1.007 1.027 1.027 1.03 9 9 0.0%141 13% 0.85 0.86 0.075 1.307 1.216 0.931 0.954 0.991 1.011 1.011 1.01 9 9 0.0%143 46% 3.05 2.94 0.095 4.493 3.760 0.837 1.068 1.013 1.033 1.033 1.03 70 72 2.9%144 37% 2.44 2.36 0.032 3.760 2.882 0.767 0.842 0.969 0.988 0.988 0.99 52 51 ‐1.9%148 14% 0.90 0.91 0.041 0.988 1.013 1.025 1.052 0.941 0.960 0.970 0.97 7 7 0.0%149 5% 0.32 0.35 0.037 1.020 1.073 1.052 1.058 0.934 0.952 0.970 0.97 7 7 0.0%150 6% 0.38 0.41 0.026 0.956 1.053 1.101 1.117 0.867 0.884 0.970 0.97 8 8 0.0%152 45% 2.95 2.85 0.052 5.194 4.095 0.788 0.922 1.088 1.109 1.100 1.10 71 78 9.9%153 138% 9.05 8.62 0.071 5.449 4.394 0.806 1.401 0.545 0.556 0.970 0.97 78 76 ‐2.6%

Allentown 15% 1.40 1.6%


Base Rate Development ‐ UMBI

Exhibit C-1 Page 26


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

9 32% 2.86 2.76 0.075 0.924 0.906 0.980 1.085 1.049 1.082 1.050 1.05 7 7 0.0%54 11% 0.95 0.95 0.088 0.924 0.844 0.913 0.893 0.939 0.969 0.969 0.969 5 5 0.0%56 9% 0.83 0.84 0.055 0.892 0.982 1.101 1.058 1.033 1.066 1.050 1.05 6 6 0.0%73 11% 1.02 1.02 0.058 0.765 0.812 1.061 1.031 1.018 1.050 1.050 1.05 5 5 0.0%94 13% 1.18 1.17 0.077 0.797 0.862 1.082 1.061 1.035 1.068 1.050 1.05 6 6 0.0%

126 9% 0.84 0.85 0.052 0.733 0.851 1.161 1.115 1.066 1.100 1.050 1.05 4 4 0.0%138 7% 0.59 0.61 0.071 0.956 0.969 1.014 0.960 0.977 1.008 1.008 1.008 5 5 0.0%Erie 11% 1.12 0.0%



Exhibit C-1 Page 27


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

4 8% 0.71 0.72 0.063 0.797 0.868 1.090 0.986 0.994 1.029 1.029 1.029 6 6 0.0%6 17% 1.46 1.43 0.041 0.765 0.809 1.058 0.992 0.996 1.031 1.031 1.031 5 5 0.0%8 8% 0.63 0.65 0.041 0.797 0.831 1.043 0.949 0.977 1.011 1.011 1.011 5 5 0.0%10 17% 1.40 1.38 0.018 0.829 0.842 1.016 0.945 0.975 1.009 1.009 1.009 5 5 0.0%13 14% 1.14 1.13 0.041 0.829 0.810 0.977 0.909 0.959 0.993 0.993 0.993 6 6 0.0%15 12% 1.00 1.00 0.103 0.669 0.802 1.198 1.088 1.039 1.075 1.060 1.06 5 5 0.0%18 11% 0.93 0.94 0.073 0.765 0.780 1.020 0.937 0.972 1.006 1.006 1.006 5 5 0.0%20 17% 1.40 1.38 0.026 0.797 0.813 1.021 0.952 0.979 1.013 1.013 1.013 4 4 0.0%21 11% 0.89 0.90 0.063 0.829 0.918 1.108 1.011 1.005 1.040 1.040 1.04 5 5 0.0%22 10% 0.86 0.87 0.037 0.701 0.813 1.159 1.061 1.027 1.063 1.060 1.06 5 5 0.0%24 11% 0.95 0.95 0.077 0.829 0.886 1.070 0.980 0.991 1.026 1.026 1.026 5 5 0.0%25 14% 1.18 1.17 0.102 0.860 0.837 0.973 0.917 0.963 0.997 0.997 0.997 5 5 0.0%26 17% 1.43 1.41 0.146 0.797 0.917 1.151 1.098 1.043 1.080 1.060 1.06 4 4 0.0%27 11% 0.88 0.89 0.080 0.701 0.761 1.085 0.988 0.995 1.030 1.030 1.03 4 4 0.0%28 6% 0.54 0.57 0.052 0.797 0.826 1.037 0.936 0.971 1.005 1.005 1.005 5 5 0.0%29 8% 0.69 0.71 0.048 0.669 0.785 1.173 1.063 1.028 1.064 1.060 1.06 4 4 0.0%30 8% 0.70 0.71 0.041 0.765 0.778 1.017 0.928 0.968 1.002 1.002 1.002 6 6 0.0%57 8% 0.67 0.69 0.080 0.765 0.834 1.090 0.978 0.990 1.025 1.025 1.025 5 5 0.0%84 13% 1.08 1.08 0.080 0.892 0.904 1.013 0.941 0.974 1.008 1.008 1.008 6 6 0.0%

127 18% 1.48 1.45 0.045 0.797 0.861 1.080 1.014 1.006 1.041 1.041 1.041 6 6 0.0%136 16% 1.35 1.33 0.045 0.733 0.832 1.135 1.057 1.025 1.061 1.060 1.06 5 5 0.0%142 9% 0.76 0.77 0.045 0.860 0.905 1.052 0.960 0.982 1.016 1.016 1.016 5 5 0.0%151 0% 0.00 0.05 0.000 0.829 0.847 1.022 0.944 1.268 1.312 1.060 1.06 5 5 0.0%




Exhibit C-1 Page 28


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change2 0% 0.00 0.05 0.000 0.860 0.878 1.021 0.960 0.982 1.014 1.014 1.014 5 5 0.0%3 6% 0.47 0.50 0.052 0.956 0.968 1.012 0.927 0.968 1.000 1.000 1.000 6 6 0.0%

11 11% 0.97 0.97 0.037 0.829 0.845 1.019 0.957 0.981 1.013 1.013 1.013 5 5 0.0%16 17% 1.45 1.43 0.045 0.860 0.847 0.985 0.945 0.976 1.008 1.008 1.008 4 4 0.0%17 13% 1.11 1.10 0.066 0.956 0.941 0.984 0.933 0.970 1.002 1.002 1.002 6 6 0.0%40 17% 1.43 1.41 0.045 0.797 0.869 1.091 1.040 1.017 1.051 1.051 1.051 5 5 0.0%88 24% 2.04 1.98 0.037 0.860 0.827 0.962 0.940 0.973 1.005 1.005 1.005 6 6 0.0%91 0% 0.00 0.05 0.000 0.765 0.851 1.113 1.047 1.021 1.055 1.055 1.055 7 7 0.0%92 16% 1.33 1.32 0.055 0.892 1.026 1.149 1.090 1.040 1.074 1.074 1.074 5 5 0.0%93 11% 0.91 0.92 0.063 0.797 0.897 1.126 1.046 1.020 1.054 1.054 1.054 5 5 0.0%95 25% 2.13 2.07 0.032 0.892 0.851 0.954 0.930 0.969 1.001 1.001 1.001 6 6 0.0%96 26% 2.19 2.13 0.048 0.829 0.874 1.054 1.040 1.018 1.052 1.052 1.052 6 6 0.0%97 18% 1.52 1.49 0.041 0.860 0.856 0.995 0.955 0.980 1.012 1.012 1.012 6 6 0.0%98 9% 0.78 0.79 0.082 0.797 0.839 1.053 0.971 0.987 1.020 1.020 1.020 5 5 0.0%99 18% 1.52 1.50 0.026 0.860 0.906 1.053 1.001 1.001 1.034 1.034 1.034 5 5 0.0%

100 2% 0.19 0.24 0.026 0.765 0.820 1.073 0.989 0.995 1.028 1.028 1.028 5 5 0.0%101 13% 1.10 1.10 0.080 0.829 0.820 0.990 0.939 0.973 1.005 1.005 1.005 5 5 0.0%102 24% 2.05 2.00 0.100 0.765 0.842 1.101 1.120 1.053 1.088 1.088 1.088 6 7 16.7%103 12% 1.06 1.06 0.045 0.701 0.860 1.227 1.147 1.065 1.100 1.100 1.100 6 7 16.7%104 14% 1.19 1.18 0.041 0.733 0.842 1.149 1.082 1.036 1.070 1.070 1.070 5 5 0.0%105 13% 1.12 1.12 0.058 0.733 0.847 1.156 1.085 1.038 1.072 1.072 1.072 6 6 0.0%106 12% 1.02 1.02 0.102 0.797 0.833 1.046 0.982 0.992 1.025 1.025 1.025 5 5 0.0%107 10% 0.90 0.90 0.041 0.733 0.793 1.082 1.011 1.005 1.038 1.038 1.038 6 6 0.0%108 6% 0.53 0.56 0.086 0.701 0.777 1.108 0.998 0.999 1.032 1.032 1.032 5 5 0.0%109 10% 0.87 0.88 0.121 0.701 0.815 1.162 1.061 1.027 1.061 1.061 1.061 5 5 0.0%119 5% 0.40 0.43 0.041 0.829 0.784 0.947 0.871 0.943 0.974 0.974 0.974 5 5 0.0%122 6% 0.52 0.55 0.052 0.924 0.822 0.890 0.820 0.921 0.951 0.951 0.951 4 4 0.0%123 19% 1.59 1.56 0.095 0.860 0.823 0.956 0.953 0.979 1.011 1.011 1.011 7 7 0.0%124 15% 1.30 1.29 0.018 0.733 0.816 1.114 1.051 1.022 1.056 1.056 1.056 5 5 0.0%145 14% 1.16 1.15 0.037 0.892 0.881 0.987 0.934 0.971 1.003 1.003 1.003 6 6 0.0%146 15% 1.29 1.28 0.100 0.765 0.860 1.125 1.073 1.032 1.066 1.066 1.066 6 6 0.0%147 13% 1.08 1.08 0.106 0.829 0.866 1.045 0.986 0.994 1.027 1.027 1.027 5 5 0.0%




Exhibit C-1 Page 29


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change7 13% 0.85 0.85 0.084 0.860 0.876 1.018 1.036 1.01 0.98 0.980 0.98 22 22 0.0%12 10% 0.68 0.70 0.098 1.370 1.214 0.886 0.894 0.97 0.94 0.941 0.94 34 32 ‐5.9%14 16% 1.05 1.05 0.137 1.466 1.261 0.860 0.913 0.98 0.95 0.946 0.95 36 34 ‐5.6%19 3% 0.18 0.22 0.026 1.370 1.176 0.858 0.867 0.96 0.93 0.934 0.93 34 32 ‐5.9%23 16% 1.02 1.02 0.102 0.924 0.953 1.032 1.062 1.02 0.99 0.988 0.99 23 23 0.0%31 90% 5.91 5.65 0.088 3.027 2.270 0.750 1.215 1.06 1.03 1.029 1.03 57 59 3.5%32 15% 0.99 1.00 0.037 1.848 1.700 0.920 0.951 0.99 0.96 0.957 0.96 36 34 ‐5.6%33 13% 0.84 0.85 0.071 1.466 1.418 0.967 0.989 1.00 0.97 0.967 0.97 31 30 ‐3.2%55 16% 1.05 1.05 0.032 1.020 1.083 1.062 1.094 1.03 1.00 0.996 1.00 25 25 0.0%58 11% 0.71 0.72 0.129 1.083 0.853 0.787 0.803 0.94 0.92 0.920 0.92 25 23 ‐8.0%59 11% 0.74 0.76 0.128 0.829 0.851 1.027 1.023 1.01 0.98 0.977 0.98 18 18 0.0%61 6% 0.40 0.43 0.032 0.892 1.020 1.143 1.156 1.04 1.01 1.013 1.01 20 20 0.0%82 19% 1.23 1.22 0.071 0.924 1.123 1.216 1.253 1.07 1.04 1.040 1.04 20 21 5.0%83 4% 0.29 0.33 0.018 1.211 1.140 0.941 0.959 0.99 0.96 0.959 0.96 27 26 ‐3.7%85 11% 0.74 0.76 0.086 1.179 1.073 0.910 0.924 0.98 0.95 0.950 0.95 28 27 ‐3.6%110 20% 1.34 1.32 0.041 2.199 2.320 1.055 1.099 1.03 1.00 0.997 1.00 45 45 0.0%111 22% 1.42 1.40 0.061 2.008 2.180 1.086 1.139 1.04 1.01 1.008 1.01 45 45 0.0%112 0% 0.00 0.05 0.000 1.434 1.250 0.872 0.899 0.97 0.94 0.942 0.94 31 29 ‐6.5%113 16% 1.05 1.05 0.071 1.370 1.559 1.138 1.166 1.05 1.02 1.016 1.02 32 33 3.1%114 13% 0.87 0.88 0.058 1.115 1.136 1.019 1.042 1.01 0.98 0.982 0.98 27 27 0.0%115 16% 1.07 1.06 0.048 1.115 1.164 1.044 1.077 1.02 0.99 0.992 0.99 26 26 0.0%116 10% 0.68 0.70 0.041 1.115 1.056 0.947 0.966 0.99 0.96 0.960 0.96 26 25 ‐3.8%117 7% 0.46 0.49 0.052 0.956 1.058 1.106 1.108 1.03 1.00 0.999 1.00 23 23 0.0%118 17% 1.08 1.08 0.108 1.179 1.336 1.133 1.162 1.05 1.02 1.015 1.02 27 27 0.0%120 17% 1.10 1.09 0.041 1.657 1.598 0.964 1.000 1.00 0.97 0.970 0.97 37 36 ‐2.7%121 23% 1.50 1.48 0.037 1.976 2.316 1.172 1.220 1.06 1.03 1.030 1.03 36 37 2.8%128 11% 0.70 0.71 0.032 1.020 1.030 1.010 1.031 1.01 0.98 0.979 0.98 24 23 ‐4.2%129 11% 0.72 0.74 0.037 1.179 1.251 1.061 1.082 1.02 0.99 0.993 0.99 26 26 0.0%130 0% 0.00 0.05 0.000 1.020 1.002 0.983 1.013 1.00 0.97 0.974 0.97 24 23 ‐4.2%131 26% 1.67 1.64 0.026 4.716 3.558 0.754 0.801 0.94 0.92 0.920 0.92 91 84 ‐7.7%132 50% 3.25 3.13 0.088 5.417 4.175 0.771 1.007 1.00 0.97 0.972 0.97 93 90 ‐3.2%133 159% 10.41 9.91 0.052 4.748 3.440 0.725 1.236 1.07 1.04 1.035 1.04 83 86 3.6%135 76% 4.98 4.77 0.103 5.354 4.174 0.780 1.229 1.07 1.03 1.033 1.03 92 95 3.3%137 17% 1.12 1.12 0.058 1.593 1.630 1.023 1.060 1.02 0.99 0.987 0.99 34 34 0.0%140 22% 1.47 1.44 0.091 1.052 1.007 0.958 1.033 1.01 0.98 0.979 0.98 24 23 ‐4.2%141 13% 0.85 0.86 0.075 1.307 1.216 0.931 0.954 0.99 0.96 0.958 0.96 32 31 ‐3.1%143 46% 3.05 2.94 0.095 4.493 3.760 0.837 1.068 1.02 0.99 0.989 0.99 71 70 ‐1.4%144 37% 2.44 2.36 0.032 3.760 2.882 0.767 0.842 0.96 0.93 0.927 0.93 66 61 ‐7.6%148 14% 0.90 0.91 0.041 0.988 1.013 1.025 1.052 1.02 0.99 0.985 0.99 24 24 0.0%149 5% 0.32 0.35 0.037 1.020 1.073 1.052 1.058 1.02 0.99 0.986 0.99 25 25 0.0%150 6% 0.38 0.41 0.026 0.956 1.053 1.101 1.117 1.03 1.00 1.002 1.00 22 22 0.0%152 45% 2.95 2.85 0.052 5.194 4.095 0.788 0.922 0.98 0.95 0.949 0.95 92 87 ‐5.4%153 138% 9.05 8.62 0.071 5.449 4.394 0.806 1.401 1.11 1.08 1.080 1.08 93 100 7.5%

Allentown 15% 1.40 ‐2.5%


Base Rate Development ‐ UIMBI

Exhibit C-1 Page 30


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change9 32% 2.86 2.76 0.075 0.924 0.906 0.980 1.085 1.08 1.07 1.060 1.06 22 23 4.5%54 11% 0.95 0.95 0.088 0.924 0.844 0.913 0.893 0.90 0.89 1.000 1 24 24 0.0%56 9% 0.83 0.84 0.055 0.892 0.982 1.101 1.058 1.06 1.05 1.045 1.045 22 23 4.5%73 11% 1.02 1.02 0.058 0.765 0.812 1.061 1.031 1.03 1.02 1.020 1.02 19 19 0.0%94 13% 1.18 1.17 0.077 0.797 0.862 1.082 1.061 1.06 1.05 1.048 1.048 19 20 5.3%126 9% 0.84 0.85 0.052 0.733 0.851 1.161 1.115 1.11 1.10 1.060 1.06 19 20 5.3%138 7% 0.59 0.61 0.071 0.956 0.969 1.014 0.960 0.96 0.95 1.000 1 25 25 0.0%Erie 11% 1.12 2.1%



Exhibit C-1 Page 31


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change4 8% 0.71 0.72 0.063 0.797 0.868 1.090 0.986 0.99 0.97 0.971 0.971 19 18 ‐5.3%6 17% 1.46 1.43 0.041 0.765 0.809 1.058 0.992 0.99 0.98 0.977 0.977 19 19 0.0%8 8% 0.63 0.65 0.041 0.797 0.831 1.043 0.949 0.95 0.94 0.940 0.94 20 19 ‐5.0%10 17% 1.40 1.38 0.018 0.829 0.842 1.016 0.945 0.95 0.93 0.940 0.94 21 20 ‐4.8%13 14% 1.14 1.13 0.041 0.829 0.810 0.977 0.909 0.91 0.90 0.940 0.94 20 19 ‐5.0%15 12% 1.00 1.00 0.103 0.669 0.802 1.198 1.088 1.09 1.07 1.060 1.06 16 17 6.3%18 11% 0.93 0.94 0.073 0.765 0.780 1.020 0.937 0.94 0.92 0.940 0.94 19 18 ‐5.3%20 17% 1.40 1.38 0.026 0.797 0.813 1.021 0.952 0.95 0.94 0.940 0.94 21 20 ‐4.8%21 11% 0.89 0.90 0.063 0.829 0.918 1.108 1.011 1.01 1.00 0.996 0.996 21 21 0.0%22 10% 0.86 0.87 0.037 0.701 0.813 1.159 1.061 1.06 1.05 1.045 1.045 17 18 5.9%24 11% 0.95 0.95 0.077 0.829 0.886 1.070 0.980 0.98 0.97 0.965 0.965 21 20 ‐4.8%25 14% 1.18 1.17 0.102 0.860 0.837 0.973 0.917 0.92 0.90 0.940 0.94 22 21 ‐4.5%26 17% 1.43 1.41 0.146 0.797 0.917 1.151 1.098 1.10 1.08 1.060 1.06 21 22 4.8%27 11% 0.88 0.89 0.080 0.701 0.761 1.085 0.988 0.99 0.97 0.973 0.973 18 18 0.0%28 6% 0.54 0.57 0.052 0.797 0.826 1.037 0.936 0.94 0.92 0.940 0.94 20 19 ‐5.0%29 8% 0.69 0.71 0.048 0.669 0.785 1.173 1.063 1.06 1.05 1.046 1.046 17 18 5.9%30 8% 0.70 0.71 0.041 0.765 0.778 1.017 0.928 0.93 0.92 0.940 0.94 18 17 ‐5.6%57 8% 0.67 0.69 0.080 0.765 0.834 1.090 0.978 0.98 0.96 0.963 0.963 19 18 ‐5.3%84 13% 1.08 1.08 0.080 0.892 0.904 1.013 0.941 0.94 0.93 0.940 0.94 22 21 ‐4.5%127 18% 1.48 1.45 0.045 0.797 0.861 1.080 1.014 1.01 1.00 0.998 0.998 19 19 0.0%136 16% 1.35 1.33 0.045 0.733 0.832 1.135 1.057 1.06 1.04 1.040 1.04 18 19 5.6%142 9% 0.76 0.77 0.045 0.860 0.905 1.052 0.960 0.96 0.95 0.946 0.946 22 21 ‐4.5%151 0% 0.00 0.05 0.000 0.829 0.847 1.022 0.944 0.95 0.93 0.940 0.94 21 20 ‐4.8%

Harrisburg 12% 1.10 ‐1.1%



Exhibit C-1 Page 32


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

UM/UIM

Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Pres ERIE

Relativity

Competitor

Relativity

Competitor

Relativity as

Factor of

ERIE

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Shrink

Index

Adjusted

for Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change2 0% 0.00 0.05 0.000 0.860 0.878 1.021 0.960 0.97 0.95 0.951 0.951 22 21 ‐4.5%3 6% 0.47 0.50 0.052 0.956 0.968 1.012 0.927 0.94 0.93 0.925 0.925 24 22 ‐8.3%11 11% 0.97 0.97 0.037 0.829 0.845 1.019 0.957 0.97 0.95 0.948 0.948 21 20 ‐4.8%16 17% 1.45 1.43 0.045 0.860 0.847 0.985 0.945 0.96 0.94 0.939 0.939 23 22 ‐4.3%17 13% 1.11 1.10 0.066 0.956 0.941 0.984 0.933 0.95 0.93 0.929 0.929 24 22 ‐8.3%40 17% 1.43 1.41 0.045 0.797 0.869 1.091 1.040 1.03 1.01 1.014 1.014 20 20 0.0%88 24% 2.04 1.98 0.037 0.860 0.827 0.962 0.940 0.95 0.94 0.935 0.935 21 20 ‐4.8%91 0% 0.00 0.05 0.000 0.765 0.851 1.113 1.047 1.04 1.02 1.020 1.020 17 17 0.0%92 16% 1.33 1.32 0.055 0.892 1.026 1.149 1.090 1.07 1.06 1.055 1.055 23 24 4.3%93 11% 0.91 0.92 0.063 0.797 0.897 1.126 1.046 1.04 1.02 1.020 1.020 20 20 0.0%95 25% 2.13 2.07 0.032 0.892 0.851 0.954 0.930 0.94 0.93 0.928 0.928 22 20 ‐9.1%96 26% 2.19 2.13 0.048 0.829 0.874 1.054 1.040 1.03 1.02 1.015 1.015 20 20 0.0%97 18% 1.52 1.49 0.041 0.860 0.856 0.995 0.955 0.96 0.95 0.947 0.947 21 20 ‐4.8%98 9% 0.78 0.79 0.082 0.797 0.839 1.053 0.971 0.98 0.96 0.959 0.959 20 19 ‐5.0%99 18% 1.52 1.50 0.026 0.860 0.906 1.053 1.001 1.00 0.98 0.984 0.984 22 22 0.0%100 2% 0.19 0.24 0.026 0.765 0.820 1.073 0.989 0.99 0.97 0.974 0.974 19 19 0.0%101 13% 1.10 1.10 0.080 0.829 0.820 0.990 0.939 0.95 0.94 0.935 0.935 21 20 ‐4.8%102 24% 2.05 2.00 0.100 0.765 0.842 1.101 1.120 1.10 1.08 1.078 1.078 18 19 5.6%103 12% 1.06 1.06 0.045 0.701 0.860 1.227 1.147 1.12 1.10 1.100 1.100 16 18 12.5%104 14% 1.19 1.18 0.041 0.733 0.842 1.149 1.082 1.07 1.05 1.048 1.048 18 19 5.6%105 13% 1.12 1.12 0.058 0.733 0.847 1.156 1.085 1.07 1.05 1.051 1.051 17 18 5.9%106 12% 1.02 1.02 0.102 0.797 0.833 1.046 0.982 0.99 0.97 0.968 0.968 20 19 ‐5.0%107 10% 0.90 0.90 0.041 0.733 0.793 1.082 1.011 1.01 0.99 0.992 0.992 17 17 0.0%108 6% 0.53 0.56 0.086 0.701 0.777 1.108 0.998 1.00 0.98 0.981 0.981 17 17 0.0%109 10% 0.87 0.88 0.121 0.701 0.815 1.162 1.061 1.05 1.03 1.031 1.031 17 18 5.9%119 5% 0.40 0.43 0.041 0.829 0.784 0.947 0.871 0.90 0.88 0.900 0.900 21 19 ‐9.5%122 6% 0.52 0.55 0.052 0.924 0.822 0.890 0.820 0.85 0.84 0.900 0.900 25 23 ‐8.0%123 19% 1.59 1.56 0.095 0.860 0.823 0.956 0.953 0.96 0.95 0.945 0.945 20 19 ‐5.0%124 15% 1.30 1.29 0.018 0.733 0.816 1.114 1.051 1.04 1.02 1.023 1.023 18 18 0.0%145 14% 1.16 1.15 0.037 0.892 0.881 0.987 0.934 0.95 0.93 0.931 0.931 22 20 ‐9.1%146 15% 1.29 1.28 0.100 0.765 0.860 1.125 1.073 1.06 1.04 1.041 1.041 18 19 5.6%147 13% 1.08 1.08 0.106 0.829 0.866 1.045 0.986 0.99 0.97 0.972 0.972 21 20 ‐4.8%

Pittsburgh 12% 1.15 ‐1.1%



Exhibit C-1 Page 33


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate

Change7 60% 1.03 1.03 0.97 0.90 0.98 0.90 0.94 1.04 1.02 1.01 1.01 1.01 1.01 136 138 1.5%12 70% 1.21 1.20 0.81 1.08 1.00 0.60 0.86 1.44 1.17 1.05 1.05 1.05 1.05 90 94 4.4%14 61% 1.05 1.05 0.92 1.23 0.73 0.66 0.86 1.30 1.06 1.02 1.02 1.02 1.02 100 102 2.0%19 72% 1.24 1.22 0.42 1.21 1.00 1.04 1.05 1.00 1.21 1.06 1.06 1.06 1.06 157 167 6.4%23 70% 1.20 1.19 1.00 0.00 0.00 1.00 1.06 1.06 1.19 1.05 1.06 1.06 1.06 150 159 6.0%31 51% 0.88 0.89 0.20 0.96 0.60 1.03 1.15 1.12 0.98 0.99 1.00 1.00 0.99 155 154 ‐0.6%32 54% 0.93 0.93 0.23 0.96 0.59 0.78 0.87 1.12 0.98 0.99 1.00 1.00 0.99 117 116 ‐0.9%33 55% 0.95 0.95 0.51 0.96 0.38 0.77 0.93 1.20 0.98 0.99 1.00 1.00 1.00 116 116 0.0%55 80% 1.38 1.36 0.39 1.23 0.84 1.59 1.60 1.00 1.28 1.08 1.08 1.08 1.08 240 260 8.3%58 49% 0.84 0.85 1.00 0.00 0.00 0.68 0.82 1.20 0.85 0.96 0.96 0.99 0.99 102 101 ‐1.0%59 54% 0.92 0.93 1.00 0.00 0.00 0.80 0.87 1.08 0.92 0.98 0.99 0.99 0.99 121 120 ‐0.8%61 66% 1.14 1.13 0.45 0.83 0.84 0.96 0.96 1.00 0.96 0.99 0.99 0.99 0.99 144 143 ‐0.7%82 43% 0.75 0.76 0.58 0.99 0.76 1.00 0.94 0.93 0.85 0.96 0.97 0.99 0.99 151 149 ‐1.3%83 63% 1.09 1.08 0.22 0.94 0.59 0.90 1.01 1.13 1.00 1.00 1.01 1.01 1.00 135 135 0.0%85 63% 1.09 1.08 0.78 0.00 0.00 1.28 1.44 1.13 1.09 1.02 1.03 1.03 1.03 192 198 3.1%

110 49% 0.85 0.86 0.21 1.02 1.00 0.76 0.81 1.07 0.98 0.99 1.00 1.00 0.99 114 113 ‐0.9%111 47% 0.81 0.82 0.27 1.02 1.00 0.68 0.76 1.12 0.97 0.99 1.00 1.00 0.99 103 102 ‐1.0%112 45% 0.77 0.79 0.22 1.02 1.00 0.84 0.77 0.92 0.96 0.99 1.00 1.00 0.99 127 126 ‐0.8%113 66% 1.13 1.12 0.44 0.99 1.00 0.69 0.83 1.21 1.04 1.01 1.02 1.02 1.02 104 106 1.9%114 56% 0.96 0.97 0.49 1.02 1.00 0.91 0.94 1.04 0.99 1.00 1.00 1.00 1.00 137 138 0.7%115 63% 1.08 1.08 0.35 1.00 1.00 1.09 1.00 0.92 1.02 1.01 1.01 1.01 1.01 164 166 1.2%116 46% 0.79 0.80 0.40 0.91 0.87 1.02 1.02 1.00 0.86 0.96 0.97 0.99 0.99 154 153 ‐0.6%117 62% 1.06 1.06 0.68 0.94 1.00 0.78 0.84 1.08 1.02 1.01 1.01 1.01 1.01 117 118 0.9%118 54% 0.94 0.94 0.70 0.98 1.00 0.67 0.78 1.16 0.95 0.99 0.99 0.99 0.99 101 100 ‐1.0%120 40% 0.68 0.70 0.26 0.98 1.00 0.70 0.82 1.16 0.90 0.97 0.98 0.99 0.98 106 104 ‐1.9%121 70% 1.21 1.20 0.14 0.96 1.00 0.91 0.88 0.97 0.99 1.00 1.00 1.00 1.00 137 137 0.0%128 53% 0.91 0.91 0.34 0.88 0.89 0.96 0.95 0.99 0.89 0.97 0.98 0.99 0.99 145 144 ‐0.7%129 93% 1.59 1.56 0.18 0.96 1.00 0.64 0.78 1.21 1.06 1.02 1.02 1.02 1.01 97 98 1.0%130 66% 1.12 1.12 0.32 0.87 0.90 0.80 0.86 1.08 0.94 0.99 0.99 0.99 0.99 120 119 ‐0.8%131 21% 0.36 0.39 0.08 0.79 0.48 1.50 1.48 0.99 0.84 0.96 0.96 0.99 0.99 226 224 ‐0.9%132 42% 0.72 0.74 0.26 0.79 0.41 1.55 1.68 1.09 0.87 0.97 0.97 0.99 0.99 233 230 ‐1.3%133 34% 0.59 0.61 0.07 0.78 0.48 1.77 1.75 0.99 0.86 0.96 0.97 0.99 0.98 267 262 ‐1.9%135 52% 0.88 0.89 0.23 0.74 0.43 1.45 1.49 1.03 0.87 0.97 0.97 0.99 0.98 218 214 ‐1.8%137 50% 0.87 0.87 0.34 0.98 1.00 0.63 0.83 1.31 0.94 0.98 0.99 0.99 0.99 95 94 ‐1.1%140 54% 0.93 0.93 0.73 0.98 1.00 0.88 0.93 1.06 0.94 0.98 0.99 0.99 0.99 132 131 ‐0.8%141 73% 1.25 1.23 0.73 1.05 0.92 0.97 1.09 1.12 1.18 1.05 1.05 1.05 1.06 146 154 5.5%143 36% 0.61 0.63 0.22 0.82 0.43 1.08 1.07 0.98 0.83 0.96 0.96 0.99 0.98 163 160 ‐1.8%144 46% 0.78 0.79 0.13 0.78 0.47 1.09 0.88 0.80 0.79 0.94 0.95 0.99 0.98 164 161 ‐1.8%148 66% 1.13 1.12 0.29 1.00 1.00 1.17 1.11 0.95 1.03 1.01 1.01 1.01 1.02 176 180 2.3%149 65% 1.12 1.12 0.51 0.99 1.00 0.82 0.92 1.11 1.05 1.01 1.02 1.02 1.02 124 126 1.6%150 53% 0.90 0.91 0.44 1.03 1.00 0.96 0.92 0.97 0.97 0.99 1.00 1.00 1.00 144 144 0.0%152 48% 0.82 0.83 0.17 0.77 0.46 1.61 1.70 1.06 0.89 0.97 0.98 0.99 0.99 242 238 ‐1.7%153 71% 1.22 1.21 0.12 0.75 0.47 1.71 1.74 1.02 0.91 0.98 0.98 0.99 0.98 258 253 ‐1.9%

Allentown 58% 1.28 1.2%

Notes:



Base Rate Development ‐ Comprehensive

Exhibit C-1 Page 34


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate

Change9 51% 0.76 0.77 0.45 0.91 0.82 0.69 0.83 1.21 0.84 0.86 0.87 0.97 0.97 104 101 ‐2.9%54 66% 1.00 1.00 1.00 0.00 0.00 1.67 1.64 0.98 0.99 0.99 1.00 1.00 1.01 252 254 0.8%56 63% 0.95 0.96 0.84 1.00 1.00 1.26 1.19 0.94 0.95 0.96 0.97 0.97 0.97 190 185 ‐2.6%73 71% 1.06 1.06 0.93 1.00 1.00 1.71 1.54 0.90 1.04 1.04 1.06 1.06 1.06 258 273 5.8%94 60% 0.90 0.90 0.88 1.13 1.00 1.24 1.38 1.11 0.92 0.93 0.95 0.97 0.97 187 182 ‐2.7%

126 76% 1.14 1.13 1.00 0.99 1.00 1.88 1.71 0.91 1.12 1.10 1.12 1.08 1.08 283 306 8.1%138 60% 0.90 0.91 0.82 0.00 0.00 0.66 0.88 1.34 0.97 0.98 0.99 0.99 0.99 99 98 ‐1.0%Erie 67% 1.12 1.8%

Notes:




Exhibit C-1 Page 35


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate

Change4 51% 0.81 0.82 0.88 0.96 1.00 0.86 0.83 0.97 0.83 0.93 0.94 0.94 0.94 129 121 ‐6.2%6 61% 0.97 0.97 0.43 0.89 1.00 0.87 0.82 0.94 0.92 0.96 0.98 0.98 0.99 131 129 ‐1.5%8 57% 0.90 0.91 0.46 0.88 0.22 0.92 1.04 1.13 0.97 0.99 1.01 1.01 1.01 138 139 0.7%10 55% 0.87 0.88 0.22 0.91 0.46 1.09 1.20 1.10 0.96 0.98 1.00 1.00 1.01 164 165 0.6%13 61% 0.98 0.98 0.50 1.10 1.00 0.82 1.06 1.28 1.03 1.02 1.04 1.04 1.04 124 128 3.2%15 57% 0.90 0.91 1.00 0.00 0.00 0.62 0.68 1.10 0.90 0.96 0.98 0.98 0.97 94 92 ‐2.1%18 63% 1.00 1.00 0.93 0.00 0.00 0.80 0.94 1.17 1.01 1.00 1.02 1.02 1.03 121 124 2.5%20 69% 1.10 1.10 0.28 1.03 0.49 2.10 1.79 0.85 1.01 1.00 1.02 1.02 1.03 316 325 2.8%21 61% 0.98 0.98 0.83 1.14 0.97 1.20 1.07 0.89 1.00 1.00 1.02 1.02 1.02 181 185 2.2%22 71% 1.14 1.13 0.59 0.78 0.52 1.09 0.99 0.91 0.98 0.99 1.01 1.01 1.02 164 167 1.8%24 67% 1.07 1.07 0.84 0.78 0.68 0.70 0.79 1.14 1.02 1.01 1.03 1.03 1.03 105 108 2.9%25 58% 0.92 0.93 0.94 0.00 0.00 0.60 0.66 1.11 0.93 0.97 0.99 0.99 0.99 90 89 ‐1.1%26 61% 0.97 0.97 1.00 0.00 0.00 0.67 0.76 1.13 0.97 0.99 1.01 1.01 1.01 101 102 1.0%27 59% 0.94 0.94 1.00 0.00 0.00 0.71 0.87 1.22 0.94 0.97 0.99 0.99 0.99 107 106 ‐0.9%28 48% 0.77 0.78 0.68 0.00 0.00 0.79 0.74 0.93 0.83 0.92 0.94 0.94 0.94 119 112 ‐5.9%29 48% 0.77 0.78 0.52 1.13 0.59 0.70 0.69 1.00 0.95 0.98 1.00 1.00 1.00 105 104 ‐1.0%30 70% 1.11 1.10 0.68 1.05 1.00 0.84 0.94 1.12 1.08 1.04 1.06 1.06 1.06 126 133 5.6%57 69% 1.10 1.10 1.00 0.00 0.00 1.24 1.23 1.00 1.09 1.04 1.06 1.06 1.06 186 198 6.5%84 72% 1.15 1.14 1.00 0.00 0.00 1.75 1.72 0.98 1.13 1.06 1.08 1.06 1.06 264 281 6.4%

127 67% 1.06 1.06 0.47 0.99 0.37 1.63 1.59 0.97 1.01 1.01 1.03 1.03 1.03 246 254 3.3%136 59% 0.95 0.95 0.61 1.10 1.00 0.97 1.16 1.19 1.00 1.00 1.02 1.02 1.03 146 150 2.7%142 74% 1.18 1.17 0.69 1.03 1.00 1.05 1.01 0.96 1.12 1.05 1.08 1.06 1.06 158 168 6.3%151 46% 0.74 0.75 0.12 1.05 0.59 1.64 1.38 0.84 0.95 0.98 1.00 1.00 1.00 247 247 0.0%


Notes:




Exhibit C-1 Page 36


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility

Wtd Index to

Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual Base

Rate

Change

2 65% 1.08 1.08 0.29 1.02 1.00 1.47 1.32 0.90 1.04 1.03 1.04 1.04 1.05 221 232 5.0%

3 64% 1.07 1.07 0.68 1.25 1.00 1.77 1.60 0.90 1.13 1.08 1.10 1.10 1.10 267 295 10.5%

11 61% 1.03 1.03 0.45 1.17 0.84 1.17 1.21 1.04 1.10 1.07 1.08 1.08 1.09 176 191 8.5%

16 65% 1.09 1.09 0.49 1.17 0.84 2.01 1.70 0.85 1.13 1.08 1.10 1.10 1.10 302 333 10.3%

17 57% 0.96 0.96 0.63 0.00 0.00 1.22 1.26 1.03 0.99 0.99 1.01 1.01 1.01 184 186 1.1%

40 54% 0.91 0.91 0.42 1.07 0.91 0.77 0.99 1.29 1.01 1.00 1.02 1.02 1.02 116 118 1.7%

88 37% 0.63 0.65 0.26 0.97 0.99 1.48 1.46 0.99 0.89 0.93 0.95 0.95 0.95 223 213 ‐4.5%

91 49% 0.82 0.83 0.07 1.01 0.96 0.88 0.88 1.00 1.00 1.00 1.02 1.02 1.02 133 135 1.5%

92 74% 1.24 1.23 0.56 1.07 0.91 1.61 1.67 1.04 1.16 1.10 1.12 1.10 1.10 242 267 10.3%

93 64% 1.08 1.07 0.91 0.00 0.00 1.24 1.35 1.08 1.07 1.05 1.07 1.07 1.07 187 200 7.0%

95 72% 1.21 1.20 0.22 1.04 1.00 1.29 1.22 0.95 1.08 1.05 1.07 1.07 1.07 194 207 6.7%

96 75% 1.26 1.25 0.38 1.01 0.95 1.13 1.18 1.04 1.10 1.06 1.08 1.08 1.08 170 184 8.2%

97 61% 1.02 1.02 0.29 1.19 0.52 1.09 1.16 1.07 1.12 1.07 1.09 1.09 1.09 164 179 9.1%

98 54% 0.90 0.90 0.81 0.97 0.55 0.80 0.94 1.18 0.91 0.95 0.96 0.96 0.96 120 116 ‐3.3%

99 64% 1.06 1.06 0.27 0.90 0.90 1.18 1.12 0.95 0.94 0.96 0.98 0.98 0.98 178 175 ‐1.7%

100 52% 0.88 0.89 0.38 0.92 0.86 0.81 0.96 1.18 0.91 0.94 0.96 0.96 0.96 122 117 ‐4.1%

101 57% 0.96 0.96 0.67 1.05 0.68 0.73 0.86 1.18 0.99 1.00 1.01 1.01 1.01 110 112 1.8%

102 63% 1.06 1.05 0.68 0.96 0.67 0.68 0.85 1.26 1.02 1.02 1.03 1.03 1.03 102 105 2.9%

103 69% 1.15 1.14 0.47 1.01 0.87 0.67 0.87 1.30 1.07 1.05 1.06 1.06 1.06 101 107 5.9%

104 63% 1.06 1.06 0.41 0.95 0.97 0.60 0.80 1.33 1.00 1.00 1.02 1.02 1.01 90 91 1.1%

105 56% 0.94 0.95 0.54 0.99 1.00 0.64 0.82 1.28 0.97 0.98 1.00 1.00 0.99 97 96 ‐1.0%

106 57% 0.95 0.96 0.97 0.00 0.00 0.58 0.80 1.36 0.97 0.98 1.00 1.00 1.00 88 88 0.0%

107 60% 1.00 1.00 0.52 0.97 1.00 0.84 0.94 1.11 0.98 0.99 1.01 1.01 1.01 127 128 0.8%

108 58% 0.97 0.97 1.00 0.00 0.00 0.76 0.89 1.17 0.97 0.98 1.00 1.00 1.00 115 115 0.0%

109 55% 0.92 0.92 1.00 0.00 0.00 0.74 0.92 1.24 0.92 0.95 0.97 0.97 0.97 112 108 ‐3.6%

119 60% 1.00 1.00 0.68 0.00 0.00 0.92 0.98 1.07 1.02 1.02 1.03 1.03 1.03 138 143 3.6%

122 70% 1.17 1.16 0.84 1.03 0.95 1.32 1.22 0.92 1.14 1.09 1.11 1.10 1.10 199 219 10.1%

123 59% 0.98 0.98 0.77 0.93 1.00 1.20 1.24 1.04 0.97 0.98 1.00 1.00 1.00 180 180 0.0%

124 68% 1.15 1.14 0.16 0.94 1.00 1.08 1.05 0.97 0.97 0.98 1.00 1.00 1.00 162 162 0.0%

145 75% 1.25 1.24 0.38 0.96 1.00 1.11 1.20 1.08 1.07 1.04 1.06 1.06 1.07 167 178 6.6%

146 59% 0.99 0.99 0.96 0.97 1.00 0.94 1.00 1.07 0.99 1.00 1.01 1.01 1.02 141 143 1.4%

147 55% 0.92 0.93 0.94 1.02 1.00 0.83 0.93 1.13 0.93 0.96 0.98 0.98 0.98 125 122 ‐2.4%


Notes:




Exhibit C-1 Page 37


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone

Loss

Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

7 75% 1.07 1.07 0.79 1.06 0.93 0.95 1.02 1.07 1.06 1.04 1.01 1.01 1.01 230 232 0.9%

12 71% 1.02 1.02 0.91 1.01 1.00 1.03 1.02 0.99 1.01 1.01 0.98 0.98 0.98 249 243 ‐2.4%

14 69% 0.99 1.00 0.97 0.91 0.59 1.00 0.99 1.00 0.99 0.99 0.96 0.96 0.96 240 231 ‐3.8%

19 76% 1.09 1.09 0.34 0.99 1.00 0.95 1.02 1.07 1.02 1.01 0.98 0.98 0.98 230 226 ‐1.7%

23 62% 0.89 0.90 0.81 0.00 0.00 0.96 0.98 1.02 0.92 0.95 0.92 0.94 0.94 232 219 ‐5.6%

31 78% 1.11 1.11 0.38 0.97 0.78 1.67 1.34 0.80 1.02 1.01 0.98 0.98 0.97 403 392 ‐2.7%

32 61% 0.88 0.89 0.33 1.01 0.80 1.52 1.20 0.79 0.96 0.98 0.95 0.95 0.94 366 345 ‐5.7%

33 68% 0.98 0.98 0.66 1.00 0.56 1.34 1.22 0.91 0.98 0.99 0.96 0.96 0.96 324 310 ‐4.3%

55 65% 0.94 0.94 0.25 0.95 0.68 1.00 1.04 1.04 0.95 0.97 0.94 0.94 0.95 242 229 ‐5.4%

58 70% 1.00 1.00 1.00 0.00 0.00 1.02 1.04 1.02 1.00 1.00 0.97 0.97 0.97 247 239 ‐3.2%

59 66% 0.94 0.95 1.00 0.00 0.00 0.96 1.01 1.04 0.94 0.97 0.94 0.94 0.94 232 218 ‐6.0%

61 77% 1.10 1.10 0.44 1.01 0.87 1.15 1.13 0.98 1.05 1.03 1.00 1.00 1.00 278 277 ‐0.4%

82 73% 1.04 1.04 0.65 1.02 0.73 1.13 1.15 1.02 1.03 1.02 0.99 0.99 0.99 273 269 ‐1.5%

83 71% 1.02 1.02 0.24 0.98 0.83 1.42 1.24 0.87 0.99 0.99 0.96 0.96 0.96 343 330 ‐3.8%

85 65% 0.93 0.94 0.71 0.00 0.00 1.11 1.21 1.09 0.98 0.99 0.96 0.96 0.96 268 257 ‐4.1%

110 72% 1.04 1.04 0.32 1.00 1.00 1.32 1.24 0.94 1.01 1.01 0.98 0.98 0.97 319 310 ‐2.8%

111 75% 1.08 1.07 0.42 1.00 1.00 1.19 1.15 0.97 1.03 1.02 0.99 0.99 0.98 287 282 ‐1.7%

112 70% 1.00 1.00 0.24 1.01 1.00 1.11 1.09 0.98 1.00 1.00 0.97 0.97 0.97 267 258 ‐3.4%

113 70% 1.00 1.00 0.58 1.01 1.00 1.23 1.14 0.93 1.00 1.00 0.97 0.97 0.97 297 288 ‐3.0%

114 73% 1.05 1.04 0.57 0.99 1.00 1.11 1.06 0.96 1.02 1.01 0.98 0.98 0.98 268 263 ‐1.9%

115 65% 0.93 0.94 0.37 1.01 1.00 1.15 1.09 0.95 0.98 0.99 0.96 0.96 0.96 277 266 ‐4.0%

116 71% 1.01 1.01 0.38 1.03 0.90 1.13 1.12 0.99 1.02 1.01 0.98 0.98 0.98 273 269 ‐1.5%

117 71% 1.02 1.02 0.68 1.04 1.00 1.04 1.08 1.04 1.02 1.01 0.98 0.98 0.98 251 246 ‐2.0%

118 69% 0.99 1.00 0.93 1.06 1.00 1.15 1.12 0.98 1.00 1.00 0.97 0.97 0.97 277 268 ‐3.2%

120 77% 1.10 1.09 0.35 1.03 1.00 1.27 1.20 0.94 1.05 1.03 1.00 1.00 0.99 307 305 ‐0.7%

121 86% 1.23 1.22 0.23 1.03 1.00 1.44 1.37 0.95 1.07 1.04 1.01 1.01 1.01 348 351 0.9%

128 73% 1.05 1.05 0.31 1.03 0.93 1.15 1.11 0.96 1.03 1.02 0.99 0.99 0.99 277 274 ‐1.1%

129 98% 1.40 1.38 0.24 1.03 1.00 1.05 1.20 1.15 1.11 1.07 1.03 1.03 1.03 252 259 2.8%

130 59% 0.85 0.86 0.31 1.05 0.93 1.08 1.10 1.02 0.99 0.99 0.96 0.96 0.96 260 250 ‐3.8%

131 63% 0.91 0.91 0.13 1.09 0.97 1.61 1.51 0.94 1.07 1.04 1.01 1.01 1.01 388 391 0.8%

132 72% 1.04 1.03 0.47 1.11 0.86 2.26 1.73 0.77 1.07 1.04 1.01 1.01 1.01 545 549 0.7%

133 121% 1.74 1.70 0.18 1.08 0.96 2.08 1.66 0.80 1.18 1.11 1.08 1.06 1.05 501 525 4.8%

135 80% 1.15 1.14 0.49 1.07 0.84 2.09 1.72 0.82 1.10 1.06 1.03 1.03 1.02 504 516 2.4%

137 77% 1.10 1.09 0.51 1.03 1.00 1.21 1.24 1.03 1.06 1.04 1.01 1.01 1.00 291 291 0.0%

140 71% 1.02 1.02 0.64 1.04 1.00 1.00 1.04 1.05 1.02 1.01 0.98 0.98 0.98 240 236 ‐1.7%

141 63% 0.90 0.91 0.59 0.99 0.97 1.00 1.03 1.03 0.94 0.96 0.94 0.94 0.94 240 226 ‐5.8%

143 72% 1.04 1.03 0.49 1.11 0.84 2.10 1.52 0.73 1.07 1.04 1.01 1.01 1.00 505 507 0.4%

144 56% 0.80 0.81 0.18 1.10 0.96 1.54 1.38 0.90 1.05 1.03 1.00 1.00 0.99 371 368 ‐0.8%

148 82% 1.17 1.16 0.25 1.00 1.00 1.04 1.06 1.02 1.04 1.02 0.99 0.99 1.00 251 250 ‐0.4%

149 67% 0.96 0.96 0.50 1.01 1.00 1.07 1.05 0.98 0.98 0.99 0.96 0.96 0.96 258 248 ‐3.9%

150 64% 0.92 0.93 0.41 1.01 1.00 1.02 1.07 1.06 0.98 0.99 0.96 0.96 0.96 245 235 ‐4.1%

152 83% 1.19 1.18 0.32 1.08 0.92 2.08 1.77 0.85 1.11 1.07 1.04 1.04 1.03 502 517 3.0%

153 88% 1.27 1.25 0.25 1.08 0.94 2.39 1.86 0.78 1.12 1.07 1.04 1.04 1.03 577 596 3.3%

Allentown 70% 1.18 ‐3.3%

Notes:



Base Rate Development ‐ Collision

Exhibit C-1 Page 38


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

9 85% 1.13 1.12 0.57 0.99 0.86 1.13 1.08 0.95 1.06 1.12 1.10 1.04 1.04 272 282 3.7%

54 76% 1.00 1.00 0.88 0.00 0.00 0.84 0.93 1.10 1.01 1.02 1.01 1.01 1.01 203 204 0.5%

56 73% 0.96 0.97 0.61 1.00 0.88 0.96 0.97 1.01 0.98 0.96 0.94 0.98 0.98 232 228 ‐1.7%

73 67% 0.89 0.90 0.61 1.00 0.88 0.85 0.97 1.14 0.94 0.88 0.87 0.98 0.98 206 202 ‐1.9%

94 74% 0.98 0.98 0.69 1.09 0.64 0.83 0.94 1.12 1.01 1.03 1.01 1.01 1.01 201 203 1.0%

126 82% 1.09 1.09 0.64 0.94 0.92 0.88 0.97 1.11 1.03 1.06 1.04 1.04 1.04 211 220 4.3%

138 75% 0.99 0.99 0.86 0.00 0.00 1.00 0.97 0.97 0.99 0.97 0.96 0.98 0.98 240 235 ‐2.1%

Erie 75% 1.06 0.2%

Notes:




Exhibit C-1 Page 39


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

4 73% 0.99 0.99 0.87 1.02 0.86 1.00 1.02 1.02 0.98 0.99 0.97 0.97 0.97 242 235 ‐2.9%

6 80% 1.08 1.08 0.34 1.00 1.00 0.98 0.97 0.99 1.01 1.01 1.00 1.00 1.00 236 236 0.0%

8 74% 1.01 1.01 0.46 0.77 0.17 0.93 0.96 1.03 0.96 0.98 0.96 0.96 0.96 224 215 ‐4.0%

10 56% 0.76 0.77 0.17 1.01 0.46 0.90 0.96 1.06 0.98 0.98 0.97 0.97 0.97 217 211 ‐2.8%

13 68% 0.92 0.93 0.46 0.99 0.94 0.85 0.89 1.06 0.95 0.96 0.95 0.95 0.95 204 193 ‐5.4%

15 76% 1.03 1.03 1.00 0.00 0.00 0.84 0.91 1.08 1.01 1.01 0.99 0.99 0.99 203 201 ‐1.0%

18 71% 0.96 0.96 0.74 0.00 0.00 0.83 0.89 1.08 0.98 0.99 0.97 0.97 0.97 199 194 ‐2.5%

20 71% 0.96 0.97 0.16 1.01 0.35 0.88 0.94 1.07 1.02 1.01 1.00 1.00 1.00 213 213 0.0%

21 74% 1.00 1.00 0.66 0.97 0.78 0.84 0.91 1.09 0.98 0.99 0.97 0.97 0.97 202 196 ‐3.0%

22 74% 1.01 1.01 0.39 0.91 0.45 0.78 0.90 1.16 0.97 0.98 0.97 0.97 0.97 187 182 ‐2.7%

24 70% 0.94 0.95 0.70 1.18 0.69 0.86 0.92 1.07 1.00 1.00 0.99 0.99 0.99 208 206 ‐1.0%

25 79% 1.07 1.07 1.00 0.00 0.00 0.94 0.92 0.97 1.05 1.04 1.02 1.02 1.02 227 231 1.8%

26 73% 0.99 0.99 1.00 0.00 0.00 0.88 0.96 1.09 0.98 0.99 0.97 0.97 0.97 212 206 ‐2.8%

27 74% 1.00 1.00 0.84 0.00 0.00 0.78 0.84 1.07 1.00 1.00 0.99 0.99 0.99 189 186 ‐1.6%

28 88% 1.19 1.18 0.69 0.00 0.00 0.84 0.91 1.09 1.14 1.10 1.08 1.06 1.06 202 214 5.9%

29 67% 0.91 0.91 0.45 1.01 0.39 0.85 0.89 1.05 0.96 0.97 0.96 0.96 0.96 205 196 ‐4.4%

30 72% 0.97 0.97 0.58 0.99 0.84 0.83 0.88 1.05 0.97 0.98 0.96 0.96 0.96 201 194 ‐3.5%

57 73% 0.99 0.99 0.94 0.00 0.00 0.80 0.91 1.12 0.98 0.99 0.97 0.97 0.98 194 189 ‐2.6%

84 70% 0.95 0.95 0.65 0.00 0.00 0.83 1.00 1.21 1.03 1.02 1.01 1.01 1.01 199 201 1.0%

127 75% 1.02 1.02 0.34 0.87 0.25 0.85 0.96 1.13 1.02 1.01 1.00 1.00 1.00 204 204 0.0%

136 70% 0.95 0.95 0.49 0.99 0.94 0.83 0.90 1.08 0.96 0.97 0.96 0.96 0.96 200 192 ‐4.0%

142 72% 0.97 0.97 0.52 0.99 0.88 0.84 0.93 1.10 0.97 0.98 0.96 0.96 0.96 202 195 ‐3.5%

151 65% 0.88 0.89 0.09 0.96 0.41 0.89 0.97 1.08 1.00 1.00 0.99 0.99 0.99 215 213 ‐0.9%

Harrisburg 74% 1.14 ‐1.6%

Notes:




Exhibit C-1 Page 40


(1) (2) (3) (4) (5) (4a) (5a) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Zone Loss Ratio

Loss Ratio

Index to

Region

Leveled

Index Cred

Complmnt

Leveled

Index to

Region

Complmnt

Cred

ERIE Rate

Relativity

Index

Competitor

Rate

Relativity

Index

Competitor

Relativity as

Factor of ERIE

Relativity

Offbalance

Credibility Wtd

Index to Region

Proportional

Reduction of

Change to

Shrink Max

Adjusted

for

Overall

Change

Caps Max

and Min

Formula

Change

Present

Base Rate

Proposed

Base Rate

Actual

Base Rate

Change

2 76% 1.01 1.01 0.23 0.97 0.95 0.98 1.01 1.03 0.97 0.92 0.91 0.92 0.92 236 218 ‐7.6%3 71% 0.94 0.94 0.43 1.09 0.64 0.95 0.99 1.05 1.01 1.04 1.02 1.02 1.02 228 233 2.2%

11 72% 0.95 0.96 0.32 0.96 0.59 0.91 1.00 1.09 0.96 0.90 0.89 0.92 0.92 220 203 ‐7.7%16 61% 0.81 0.82 0.28 0.96 0.59 0.98 1.02 1.03 0.92 0.81 0.79 0.92 0.92 237 219 ‐7.6%17 73% 0.97 0.98 0.56 0.00 0.00 0.88 1.01 1.14 1.04 1.09 1.07 1.07 1.07 213 228 7.0%40 65% 0.86 0.87 0.40 0.92 0.64 0.84 0.95 1.13 0.89 0.72 0.71 0.92 0.92 203 187 ‐7.9%88 68% 0.90 0.91 0.23 0.99 0.87 0.93 1.00 1.07 0.96 0.90 0.89 0.92 0.92 225 208 ‐7.6%91 59% 0.79 0.80 0.08 1.04 1.00 0.99 1.01 1.02 1.01 1.03 1.01 1.01 1.01 238 240 0.8%92 80% 1.06 1.06 0.38 0.92 0.64 0.83 1.00 1.21 0.96 0.90 0.88 0.92 0.92 199 184 ‐7.5%93 69% 0.91 0.92 0.64 0.00 0.00 0.80 0.98 1.22 1.01 1.04 1.02 1.02 1.02 194 198 2.1%95 68% 0.91 0.92 0.15 1.00 0.80 0.91 0.96 1.05 0.98 0.94 0.93 0.93 0.93 220 204 ‐7.3%96 82% 1.09 1.08 0.33 0.97 0.75 0.96 0.94 0.98 1.00 1.00 0.98 0.98 0.98 232 227 ‐2.2%97 69% 0.92 0.92 0.24 1.03 0.42 0.91 0.95 1.05 1.00 0.99 0.98 0.98 0.98 219 214 ‐2.3%98 77% 1.02 1.02 0.78 0.93 0.48 0.93 0.96 1.03 0.99 0.97 0.95 0.95 0.95 225 214 ‐4.9%99 71% 0.95 0.95 0.22 1.00 0.86 0.98 0.99 1.02 0.98 0.95 0.93 0.93 0.93 235 219 ‐6.8%

100 69% 0.91 0.92 0.35 1.01 0.81 0.92 0.96 1.04 0.97 0.92 0.90 0.92 0.92 222 205 ‐7.7%101 78% 1.04 1.03 0.73 1.05 0.86 1.00 1.03 1.03 1.03 1.06 1.04 1.04 1.04 242 253 4.5%102 79% 1.05 1.05 0.86 1.03 0.73 1.10 1.05 0.96 1.03 1.08 1.06 1.06 1.06 265 281 6.0%103 77% 1.02 1.02 0.63 1.05 1.00 1.19 1.13 0.95 1.02 1.04 1.02 1.02 1.02 286 292 2.1%104 79% 1.05 1.05 0.48 1.00 1.00 1.03 1.02 0.98 1.01 1.03 1.01 1.01 1.01 249 250 0.4%105 79% 1.05 1.04 0.69 1.00 1.00 1.19 1.11 0.93 1.02 1.05 1.03 1.03 1.03 287 295 2.8%106 75% 1.00 1.00 1.00 0.00 0.00 1.00 1.03 1.02 0.99 0.97 0.96 0.96 0.95 242 230 ‐5.0%107 68% 0.91 0.91 0.44 1.04 1.00 0.98 1.01 1.04 0.97 0.93 0.92 0.92 0.92 236 217 ‐8.1%108 78% 1.04 1.04 1.00 0.00 0.00 0.95 1.01 1.06 1.03 1.07 1.05 1.05 1.05 229 240 4.8%109 77% 1.02 1.02 1.00 0.00 0.00 0.97 1.00 1.03 1.00 1.01 0.99 0.99 0.99 234 232 ‐0.9%119 73% 0.97 0.97 0.56 0.00 0.00 0.90 1.01 1.13 1.03 1.06 1.05 1.05 1.04 216 226 4.6%122 72% 0.96 0.96 0.59 0.94 0.70 0.90 1.00 1.11 0.94 0.86 0.84 0.92 0.92 217 200 ‐7.8%123 75% 1.00 1.00 0.66 1.01 1.00 0.98 1.03 1.04 0.99 0.98 0.97 0.97 0.97 237 229 ‐3.4%124 65% 0.86 0.87 0.16 1.01 1.00 0.98 1.05 1.07 0.98 0.95 0.93 0.93 0.93 237 220 ‐7.2%145 65% 0.86 0.87 0.29 1.00 1.00 0.95 1.00 1.05 0.95 0.87 0.86 0.92 0.92 229 211 ‐7.9%146 74% 0.98 0.99 0.90 0.99 0.98 0.93 0.99 1.06 0.97 0.94 0.92 0.92 0.92 224 207 ‐7.6%147 76% 1.01 1.01 0.93 0.97 0.95 0.96 0.99 1.03 0.99 0.99 0.97 0.97 0.97 231 224 ‐3.0%

Pittsburgh 75% 1.04 ‐1.0%

Notes:




Exhibit C-1 Page 41

Erie Insurance Company 1/18/2018

Zone Company Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $4,135 129 1.871 1.923 247 248 0.4%

3 $12,471 123 1.871 1.923 236 237 0.4%

4 $140,626 170 1.871 1.923 305 327 7.2%

6 $13,862 152 1.871 1.923 277 292 5.4%

7 $37,572 166 1.871 1.923 309 319 3.2%

8 $15,197 128 1.871 1.923 239 246 2.9%

9 $34,297 201 1.871 1.923 357 387 8.4%

10 $4,090 128 1.871 1.923 241 246 2.1%

11 $4,557 136 1.871 1.923 238 262 10.1%

12 $41,405 179 1.871 1.923 339 344 1.5%

13 $45,108 125 1.871 1.923 247 240 ‐2.8%

14 $38,107 182 1.871 1.923 346 350 1.2%

15 $57,661 140 1.871 1.923 260 269 3.5%

16 $2,587 130 1.871 1.923 241 250 3.7%

17 $20,091 138 1.871 1.923 251 265 5.6%

18 $59,253 132 1.871 1.923 253 254 0.4%

19 $6,352 171 1.871 1.923 322 329 2.2%

20 $10,233 119 1.871 1.923 208 229 10.1%

21 $41,765 126 1.871 1.923 221 242 9.5%

22 $14,474 133 1.871 1.923 253 256 1.2%

23 $98,650 159 1.871 1.923 301 306 1.7%

24 $46,176 148 1.871 1.923 281 285 1.4%

25 $130,961 154 1.871 1.923 286 296 3.5%

26 $148,142 153 1.871 1.923 286 294 2.8%

27 $30,912 122 1.871 1.923 232 235 1.3%

28 $50,548 157 1.871 1.923 288 302 4.9%

29 $10,843 139 1.871 1.923 258 267 3.5%

30 $20,377 123 1.871 1.923 225 237 5.3%

31 $40,765 433 1.871 1.923 816 833 2.1%

32 $17,727 372 1.871 1.923 713 715 0.3%

33 $41,173 337 1.871 1.923 638 648 1.6%

40 $9,424 117 1.871 1.923 225 225 0.0%

54 $73,272 128 1.871 1.923 239 246 2.9%

55 $5,821 165 1.871 1.923 312 317 1.6%

56 $22,791 144 1.871 1.923 283 277 ‐2.1%

57 $119,892 121 1.871 1.923 230 233 1.3%

58 $67,323 187 1.871 1.923 352 360 2.3%

59 $67,637 174 1.871 1.923 329 335 1.8%

61 $14,336 223 1.871 1.923 423 429 1.4%

73 $27,425 119 1.871 1.923 210 229 9.0%

82 $26,945 223 1.871 1.923 421 429 1.9%83 $2,740 268 1.871 1.923 503 515 2.4%84 $92,937 134 1.871 1.923 236 258 9.3%85 $120,010 205 1.871 1.923 385 394 2.3%88 $7,653 137 1.871 1.923 262 263 0.4%91 $0 135 1.871 1.923 260 260 0.0%92 $9,556 118 1.871 1.923 204 227 11.3%93 $43,060 124 1.871 1.923 221 238 7.7%94 $18,302 140 1.871 1.923 266 269 1.1%95 $2,254 139 1.871 1.923 268 267 ‐0.4%96 $11,770 145 1.871 1.923 271 279 3.0%97 $3,263 141 1.871 1.923 254 271 6.7%98 $22,811 127 1.871 1.923 243 244 0.4%99 $2,462 133 1.871 1.923 254 256 0.8%100 $5,281 131 1.871 1.923 253 252 ‐0.4%101 $14,962 146 1.871 1.923 275 281 2.2%102 $38,506 150 1.871 1.923 284 288 1.4%103 $24,255 156 1.871 1.923 301 300 ‐0.3%

Pennsylvania Private Passenger AutoStandard Base Rate Development - 6/1/2018

Bodily Injury

Exhibit C-1 Page 42


Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change


Bodily Injury

104 $9,399 135 1.871 1.923 260 260 0.0%105 $25,669 153 1.871 1.923 296 294 ‐0.7%106 $52,950 137 1.871 1.923 253 263 4.0%107 $10,785 129 1.871 1.923 247 248 0.4%108 $30,742 136 1.871 1.923 247 262 6.1%109 $76,620 141 1.871 1.923 253 271 7.1%110 $18,616 329 1.871 1.923 619 633 2.3%111 $29,673 323 1.871 1.923 610 621 1.8%112 $6,720 266 1.871 1.923 505 512 1.4%113 $22,109 287 1.871 1.923 541 552 2.0%114 $11,896 228 1.871 1.923 430 438 1.9%115 $14,201 253 1.871 1.923 481 487 1.2%116 $16,695 205 1.871 1.923 387 394 1.8%117 $21,486 225 1.871 1.923 428 433 1.2%118 $51,695 262 1.871 1.923 496 504 1.6%119 $10,491 132 1.871 1.923 232 254 9.5%120 $10,824 294 1.871 1.923 563 565 0.4%121 $5,125 370 1.871 1.923 711 712 0.1%122 $15,288 131 1.871 1.923 239 252 5.4%123 $32,119 141 1.871 1.923 260 271 4.2%124 $3,025 144 1.871 1.923 268 277 3.4%126 $23,784 127 1.871 1.923 245 244 ‐0.4%127 $9,210 121 1.871 1.923 211 233 10.4%128 $5,469 207 1.871 1.923 391 398 1.8%129 $5,267 263 1.871 1.923 501 506 1.0%130 $9,566 217 1.871 1.923 413 417 1.0%131 $3,956 501 1.871 1.923 924 963 4.2%132 $53,816 574 1.871 1.923 1044 1104 5.7%133 $20,885 555 1.871 1.923 997 1067 7.0%135 $79,474 644 1.871 1.923 1184 1238 4.6%136 $17,009 115 1.871 1.923 219 221 0.9%137 $24,559 307 1.871 1.923 589 590 0.2%138 $42,451 165 1.871 1.923 318 317 ‐0.3%140 $27,718 212 1.871 1.923 402 408 1.5%141 $43,124 178 1.871 1.923 339 342 0.9%142 $23,737 132 1.871 1.923 247 254 2.8%143 $110,891 567 1.871 1.923 1025 1090 6.3%144 $5,375 443 1.871 1.923 819 852 4.0%145 $5,058 133 1.871 1.923 254 256 0.8%146 $32,560 127 1.871 1.923 239 244 2.1%147 $25,423 128 1.871 1.923 241 246 2.1%148 $5,874 207 1.871 1.923 389 398 2.3%149 $14,150 211 1.871 1.923 399 406 1.8%150 $15,684 214 1.871 1.923 404 412 2.0%151 $1,339 124 1.871 1.923 223 238 6.7%152 $29,016 528 1.871 1.923 973 1015 4.3%153 $12,276 632 1.871 1.923 1166 1215 4.2%

Statewide Change 2.9%

Exhibit C-1 Page 43



Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $6,425 255 1.567 1.539 385 392 1.8%

3 $22,906 253 1.567 1.539 401 389 ‐3.0%

4 $271,533 336 1.567 1.539 503 517 2.8%

6 $19,857 279 1.567 1.539 411 429 4.4%

7 $56,592 292 1.567 1.539 443 449 1.4%

8 $32,820 282 1.567 1.539 437 434 ‐0.7%

9 $65,780 404 1.567 1.539 600 622 3.7%

10 $7,016 245 1.567 1.539 371 377 1.6%

11 $6,604 278 1.567 1.539 431 428 ‐0.7%

12 $69,109 312 1.567 1.539 481 480 ‐0.2%

13 $83,786 280 1.567 1.539 426 431 1.2%

14 $59,502 303 1.567 1.539 467 466 ‐0.2%

15 $103,695 312 1.567 1.539 473 480 1.5%

16 $3,919 253 1.567 1.539 403 389 ‐3.5%

17 $30,179 244 1.567 1.539 370 376 1.6%

18 $88,038 254 1.567 1.539 396 391 ‐1.3%

19 $8,549 266 1.567 1.539 404 409 1.2%

20 $12,422 192 1.567 1.539 282 295 4.6%

21 $68,528 238 1.567 1.539 359 366 1.9%

22 $19,399 235 1.567 1.539 349 362 3.7%

23 $126,441 244 1.567 1.539 375 376 0.3%

24 $73,618 318 1.567 1.539 487 489 0.4%

25 $300,440 351 1.567 1.539 519 540 4.0%

26 $241,143 305 1.567 1.539 462 469 1.5%

27 $49,491 255 1.567 1.539 395 392 ‐0.8%

28 $77,027 285 1.567 1.539 422 439 4.0%

29 $18,145 299 1.567 1.539 451 460 2.0%

30 $29,715 236 1.567 1.539 354 363 2.5%

31 $52,824 483 1.567 1.539 736 743 1.0%

32 $23,925 493 1.567 1.539 754 759 0.7%

33 $50,756 459 1.567 1.539 699 706 1.0%

40 $20,422 261 1.567 1.539 417 402 ‐3.6%

54 $117,387 231 1.567 1.539 348 356 2.3%

55 $7,046 230 1.567 1.539 349 354 1.4%

56 $37,156 298 1.567 1.539 450 459 2.0%

57 $184,983 223 1.567 1.539 331 343 3.6%

58 $107,291 352 1.567 1.539 539 542 0.6%

59 $85,647 302 1.567 1.539 464 465 0.2%

61 $20,642 397 1.567 1.539 599 611 2.0%

73 $41,630 204 1.567 1.539 307 314 2.3%

82 $41,385 411 1.567 1.539 619 633 2.3%

83 $4,701 443 1.567 1.539 672 682 1.5%

84 $135,826 202 1.567 1.539 298 311 4.4%

85 $153,198 278 1.567 1.539 422 428 1.4%

88 $9,713 244 1.567 1.539 379 376 ‐0.8%

91 $0 339 1.567 1.539 501 522 4.2%

92 $17,141 221 1.567 1.539 343 340 ‐0.9%

93 $76,902 227 1.567 1.539 354 349 ‐1.4%

94 $26,852 259 1.567 1.539 387 399 3.1%

95 $3,331 275 1.567 1.539 406 423 4.2%

96 $19,304 296 1.567 1.539 437 456 4.3%

97 $5,789 280 1.567 1.539 414 431 4.1%

98 $41,611 290 1.567 1.539 458 446 ‐2.6%

99 $3,870 243 1.567 1.539 387 374 ‐3.4%

100 $9,514 296 1.567 1.539 461 456 ‐1.1%

101 $31,080 385 1.567 1.539 569 593 4.2%

102 $89,445 388 1.567 1.539 578 597 3.3%

103 $53,853 441 1.567 1.539 669 679 1.5%


Property Damage

Exhibit C-1 Page 44


Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change


Property Damage

104 $21,015 394 1.567 1.539 613 606 ‐1.1%

105 $58,922 421 1.567 1.539 658 648 ‐1.5%

106 $117,628 387 1.567 1.539 597 596 ‐0.2%

107 $21,248 320 1.567 1.539 478 492 2.9%

108 $53,251 344 1.567 1.539 508 529 4.1%

109 $153,828 364 1.567 1.539 539 560 3.9%

110 $27,348 422 1.567 1.539 641 649 1.2%

111 $42,326 432 1.567 1.539 653 665 1.8%

112 $10,850 402 1.567 1.539 610 619 1.5%

113 $24,445 410 1.567 1.539 619 631 1.9%

114 $15,905 370 1.567 1.539 561 569 1.4%

115 $15,989 367 1.567 1.539 553 565 2.2%

116 $21,623 331 1.567 1.539 494 509 3.0%

117 $30,304 371 1.567 1.539 563 571 1.4%

118 $68,469 387 1.567 1.539 588 596 1.4%

119 $18,648 311 1.567 1.539 459 479 4.4%

120 $15,941 444 1.567 1.539 679 683 0.6%

121 $5,380 479 1.567 1.539 727 737 1.4%

122 $26,547 288 1.567 1.539 442 443 0.2%

123 $53,842 287 1.567 1.539 432 442 2.3%

124 $5,979 314 1.567 1.539 476 483 1.5%

126 $36,853 232 1.567 1.539 349 357 2.3%

127 $12,772 188 1.567 1.539 276 289 4.7%

128 $7,693 371 1.567 1.539 556 571 2.7%

129 $7,322 379 1.567 1.539 575 583 1.4%

130 $14,682 391 1.567 1.539 591 602 1.9%

131 $3,354 404 1.567 1.539 616 622 1.0%

132 $53,774 450 1.567 1.539 689 693 0.6%

133 $21,543 452 1.567 1.539 688 696 1.2%

135 $75,691 497 1.567 1.539 762 765 0.4%

136 $31,204 215 1.567 1.539 317 331 4.4%

137 $24,748 426 1.567 1.539 649 656 1.1%

138 $72,951 365 1.567 1.539 547 562 2.7%

140 $35,387 308 1.567 1.539 467 474 1.5%

141 $55,724 261 1.567 1.539 398 402 1.0%

142 $36,283 245 1.567 1.539 371 377 1.6%

143 $125,391 510 1.567 1.539 782 785 0.4%

144 $5,135 500 1.567 1.539 766 770 0.5%

145 $8,399 267 1.567 1.539 400 411 2.8%

146 $65,397 307 1.567 1.539 467 472 1.1%

147 $51,877 324 1.567 1.539 486 499 2.7%

148 $5,795 297 1.567 1.539 443 457 3.2%

149 $21,721 355 1.567 1.539 537 546 1.7%

150 $19,523 320 1.567 1.539 486 492 1.2%

151 $1,889 196 1.567 1.539 288 302 4.9%

152 $29,419 452 1.567 1.539 683 696 1.9%

153 $11,663 500 1.567 1.539 766 770 0.5%


Exhibit C-1 Page 45


(1) (2) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Latest Year Present Proposed Proposed Proposed Proposed Proposed Proposed ProposedWritten $35M $15/30 $500/500 $25M $500 $500/500/500 $500M $35M Actual

ERIE Premium CSL BI BI PD PD BI/PD CSL CSL Base RateZone at Current Base Rate Base Rate Base Rate Base Rate Base Rate Base Rate Base Rate Base Rate Change

2 0 691 248 586 392 455 1041 1010 698 1.0%

3 0 685 237 560 389 451 1011 981 678 -1.0%

4 1,806 874 327 772 517 600 1372 1331 920 5.3%

6 0 759 292 690 429 498 1188 1152 797 5.0%

7 929 835 319 753 449 521 1274 1236 855 2.4%

8 0 719 246 581 434 503 1084 1051 727 1.1%

9 510 1,033 387 914 622 722 1636 1587 1098 6.3%

10 0 670 246 581 377 437 1018 987 683 1.9%

11 714 712 262 619 428 496 1115 1082 748 5.1%

12 0 911 344 813 480 557 1370 1329 919 0.9%

13 611 723 240 567 431 500 1067 1035 716 -1.0%

14 2,715 911 350 827 466 541 1368 1327 918 0.8%

15 5,095 780 269 635 480 557 1192 1156 799 2.4%

16 0 695 250 591 389 451 1042 1011 699 0.6%

17 0 685 265 626 376 436 1062 1030 712 3.9%

18 1,608 709 254 600 391 454 1054 1022 707 -0.3%

19 210 825 329 777 409 474 1251 1213 839 1.7%

20 0 548 229 541 295 342 883 857 593 8.2%

21 225 629 242 572 366 425 997 967 669 6.4%

22 42 673 256 605 362 420 1025 994 687 2.1%

23 912 769 306 723 376 436 1159 1124 777 1.0%

24 481 824 285 673 489 567 1240 1203 832 1.0%

25 425 858 296 699 540 626 1325 1285 889 3.6%

26 5,312 813 294 694 469 544 1238 1201 831 2.2%

27 787 675 235 555 392 455 1010 980 678 0.4%

28 1,467 785 302 713 439 509 1222 1185 820 4.5%

29 0 759 267 631 460 534 1165 1130 781 2.9%30 1,972 632 237 560 363 421 981 952 658 4.1%

31 0 1,796 833 1738 743 862 2600 2522 1828 1.8%

32 0 1,660 715 1491 759 880 2371 2300 1667 0.4%

33 0 1,506 648 1352 706 819 2171 2106 1526 1.3%

40 234 681 225 531 402 466 997 967 669 -1.8%

54 1,196 650 246 581 356 413 994 964 667 2.6%

55 0 766 317 749 354 411 1160 1125 778 1.6%

56 2,850 798 277 654 459 532 1186 1150 795 -0.4%

57 2,175 622 233 550 343 398 948 920 636 2.3%

58 756 976 360 850 542 629 1479 1435 992 1.6%

59 1,029 882 335 791 465 539 1330 1290 892 1.1%

61 1,786 1,136 429 1013 611 709 1722 1670 1155 1.7%

73 460 571 229 541 314 364 905 878 607 6.3%

82 5,441 1,122 429 895 633 734 1629 1580 1145 2.0%

83 0 1,286 515 1074 682 791 1865 1809 1311 1.9%

84 513 606 258 609 311 361 970 941 651 7.4%

85 1,199 938 394 931 428 496 1427 1384 957 2.0%

88 0 710 263 621 376 436 1057 1025 709 -0.1%

91 0 789 260 542 522 606 1148 1114 807 2.3%

92 0 591 227 536 340 394 930 902 624 5.6%

93 0 626 238 562 349 405 967 938 649 3.7%

94 167 723 269 635 399 463 1098 1065 737 1.9%

95 0 741 267 631 423 491 1122 1088 752 1.5%

96 0 770 279 659 456 529 1188 1152 797 3.5%

97 0 725 271 640 431 500 1140 1106 765 5.5%

98 0 741 244 576 446 517 1093 1060 733 -1.1%


Combined Single Limit

Exhibit C-1 Page 46

(1) (2) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Latest Year Present Proposed Proposed Proposed Proposed Proposed Proposed ProposedWritten $35M $15/30 $500/500 $25M $500 $500/500/500 $500M $35M Actual

ERIE Premium CSL BI BI PD PD BI/PD CSL CSL Base RateZone at Current Base Rate Base Rate Base Rate Base Rate Base Rate Base Rate Base Rate Base Rate Change


Combined Single Limit

99 0 704 256 605 374 434 1039 1008 697 -1.0%

100 0 760 252 595 456 529 1124 1090 754 -0.8%

101 807 867 281 586 593 688 1274 1236 896 3.3%

102 465 887 288 601 597 693 1294 1255 909 2.5%

103 1,271 987 300 626 679 788 1414 1372 994 0.7%

104 -121 880 260 542 606 703 1245 1208 875 -0.6%

105 0 970 294 613 648 752 1365 1324 959 -1.1%

106 410 858 263 549 596 691 1240 1203 872 1.6%

107 0 751 248 517 492 571 1088 1055 764 1.7%

108 1,045 776 262 547 529 614 1161 1126 816 5.2%

109 3,203 810 271 565 560 650 1215 1179 854 5.4%

110 0 1,430 633 1320 649 753 2073 2011 1457 1.9%

111 0 1,426 621 1295 665 771 2066 2004 1452 1.8%

112 0 1,238 512 1068 619 718 1786 1732 1255 1.4%

113 3,398 1,299 552 1151 631 732 1883 1827 1324 1.9%

114 1,967 1,088 438 914 569 660 1574 1527 1107 1.7%

115 769 1,156 487 1016 565 655 1671 1621 1175 1.6%

116 0 997 394 931 509 590 1521 1475 1020 2.3%

117 0 1,087 433 903 571 662 1565 1518 1100 1.2%

118 532 1,207 504 1051 596 691 1742 1690 1225 1.5%

119 623 725 254 600 479 556 1156 1121 775 6.9%

120 146 1,379 565 1179 683 792 1971 1912 1386 0.5%

121 0 1,635 712 1485 737 855 2340 2270 1645 0.6%

122 213 723 252 595 443 514 1109 1076 744 2.9%

123 0 748 271 640 442 513 1153 1118 773 3.3%

124 0 795 277 654 483 560 1214 1178 815 2.5%

126 657 660 244 576 357 414 990 960 664 0.6%

127 255 548 233 550 289 335 885 858 593 8.2%

128 0 1,053 398 940 571 662 1602 1554 1075 2.1%

129 -101 1,204 506 1056 583 676 1732 1680 1217 1.1%

130 753 1,115 417 985 602 698 1683 1633 1129 1.3%

131 0 1,857 963 2009 622 722 2731 2649 1920 3.4%

132 506 2,093 1104 2303 693 804 3107 3014 2184 4.3%

133 0 2,023 1067 2226 696 807 3033 2942 2132 5.4%

135 0 2,357 1238 2582 765 887 3469 3365 2438 3.4%

136 0 593 221 522 331 384 906 879 608 2.5%

137 377 1,393 590 1231 656 761 1992 1932 1400 0.5%

138 1,126 929 317 749 562 652 1401 1359 940 1.2%

140 678 971 408 851 474 550 1401 1359 985 1.4%

141 1,092 847 342 808 402 466 1274 1236 855 0.9%

142 700 680 254 600 377 437 1037 1006 696 2.4%

143 67 2,141 1090 2274 785 911 3185 3089 2238 4.5%

144 508 1,825 852 1777 770 893 2670 2590 1877 2.8%

145 0 714 256 605 411 477 1082 1050 726 1.7%

146 815 743 244 576 472 548 1124 1090 754 1.5%

147 740 760 246 581 499 579 1160 1125 778 2.4%

148 264 931 398 830 457 530 1360 1319 956 2.7%

149 1,160 1,022 406 847 546 633 1480 1436 1041 1.9%

150 0 989 412 859 492 571 1430 1387 1005 1.6%

151 0 577 238 562 302 350 912 885 612 6.1%

152 0 1,983 1015 2117 696 807 2924 2836 2055 3.6%

153 0 2,334 1215 2534 770 893 3427 3324 2409 3.2%

Statewide 67,952 2.3%

Exhibit C-1 Page 47



Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $1,788 123 1.650 1.702 205 209 2.0%

3 $5,980 108 1.650 1.702 193 184 ‐4.7%

4 $62,663 137 1.650 1.702 228 233 2.2%

6 $6,355 134 1.650 1.702 223 228 2.2%

7 $16,424 134 1.650 1.702 224 228 1.8%

8 $8,329 126 1.650 1.702 203 214 5.4%

9 $14,536 159 1.650 1.702 251 271 8.0%

10 $1,926 115 1.650 1.702 191 196 2.6%

11 $1,783 126 1.650 1.702 203 214 5.4%

12 $18,301 138 1.650 1.702 229 235 2.6%

13 $14,817 88 1.650 1.702 153 150 ‐2.0%

14 $18,051 149 1.650 1.702 246 254 3.3%

15 $25,365 110 1.650 1.702 175 187 6.9%

16 $1,140 122 1.650 1.702 191 208 8.9%

17 $10,754 135 1.650 1.702 219 230 5.0%

18 $23,030 102 1.650 1.702 165 174 5.5%

19 $2,838 144 1.650 1.702 241 245 1.7%

20 $5,595 106 1.650 1.702 163 180 10.4%

21 $17,535 104 1.650 1.702 173 177 2.3%

22 $6,052 107 1.650 1.702 186 182 ‐2.2%

23 $38,879 123 1.650 1.702 205 209 2.0%

24 $20,030 123 1.650 1.702 196 209 6.6%

25 $65,803 128 1.650 1.702 213 218 2.3%

26 $61,394 127 1.650 1.702 205 216 5.4%

27 $11,399 94 1.650 1.702 149 160 7.4%

28 $18,652 115 1.650 1.702 186 196 5.4%

29 $3,968 99 1.650 1.702 170 168 ‐1.2%

30 $7,720 95 1.650 1.702 158 162 2.5%

31 $22,839 379 1.650 1.702 622 645 3.7%

32 $7,224 261 1.650 1.702 429 444 3.5%

33 $13,698 223 1.650 1.702 358 380 6.1%

40 $4,349 98 1.650 1.702 175 167 ‐4.6%

54 $31,310 112 1.650 1.702 175 191 9.1%

55 $2,430 139 1.650 1.702 231 237 2.6%

56 $9,276 120 1.650 1.702 201 204 1.5%

57 $53,135 101 1.650 1.702 168 172 2.4%

58 $30,372 147 1.650 1.702 248 250 0.8%

59 $25,778 129 1.650 1.702 215 220 2.3%

61 $4,919 139 1.650 1.702 231 237 2.6%

73 $11,102 102 1.650 1.702 160 174 8.7%

82 $9,721 136 1.650 1.702 226 231 2.2%83 $989 199 1.650 1.702 325 339 4.3%84 $47,589 117 1.650 1.702 193 199 3.1%85 $58,678 167 1.650 1.702 285 284 ‐0.4%88 $2,992 127 1.650 1.702 213 216 1.4%91 $0 154 1.650 1.702 234 262 12.0%92 $5,003 101 1.650 1.702 170 172 1.2%93 $21,730 114 1.650 1.702 180 194 7.8%94 $7,444 120 1.650 1.702 201 204 1.5%95 $865 124 1.650 1.702 208 211 1.4%96 $5,196 138 1.650 1.702 236 235 ‐0.4%97 $1,279 146 1.650 1.702 218 248 13.8%98 $9,870 104 1.650 1.702 178 177 ‐0.6%99 $1,019 121 1.650 1.702 193 206 6.7%

100 $2,124 112 1.650 1.702 177 191 7.9%101 $7,889 151 1.650 1.702 234 257 9.8%102 $19,462 157 1.650 1.702 243 267 9.9%103 $11,073 132 1.650 1.702 236 225 ‐4.7%


FPB Medical

Exhibit C-1 Page 48



Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change


FPB Medical

104 $3,876 130 1.650 1.702 203 221 8.9%105 $11,243 130 1.65 1.702 224 221 ‐1.3%106 $21,517 122 1.65 1.702 191 208 8.9%107 $4,321 112 1.65 1.702 180 191 6.1%108 $11,242 112 1.65 1.702 178 191 7.3%109 $33,150 117 1.65 1.702 198 199 0.5%110 $8,640 246 1.65 1.702 411 419 1.9%111 $11,741 225 1.65 1.702 375 383 2.1%112 $2,847 185 1.65 1.702 310 315 1.6%113 $9,231 224 1.65 1.702 373 381 2.1%114 $3,983 158 1.65 1.702 264 269 1.9%115 $3,996 160 1.65 1.702 266 272 2.3%116 $6,093 154 1.65 1.702 256 262 2.3%117 $7,200 149 1.65 1.702 249 254 2.0%118 $19,399 182 1.65 1.702 304 310 2.0%119 $3,951 105 1.65 1.702 185 179 ‐3.2%120 $3,631 178 1.65 1.702 297 303 2.0%121 $1,726 268 1.65 1.702 444 456 2.7%122 $6,560 110 1.65 1.702 196 187 ‐4.6%123 $14,658 132 1.65 1.702 231 225 ‐2.6%124 $1,605 148 1.65 1.702 249 252 1.2%126 $9,849 103 1.65 1.702 173 175 1.2%127 $4,662 106 1.65 1.702 167 180 7.8%128 $1,684 131 1.65 1.702 218 223 2.3%129 $1,670 171 1.65 1.702 287 291 1.4%130 $3,057 142 1.65 1.702 236 242 2.5%131 $1,383 414 1.65 1.702 663 705 6.3%132 $29,434 613 1.65 1.702 982 1043 6.2%133 $12,691 636 1.65 1.702 1008 1082 7.3%135 $48,344 720 1.65 1.702 1155 1225 6.1%136 $7,506 91 1.65 1.702 158 155 ‐1.9%137 $7,742 190 1.65 1.702 317 323 1.9%138 $14,963 127 1.65 1.702 210 216 2.9%140 $11,234 159 1.65 1.702 264 271 2.7%141 $18,282 142 1.65 1.702 233 242 3.9%142 $10,812 127 1.65 1.702 210 216 2.9%143 $58,070 565 1.65 1.702 908 962 5.9%144 $2,057 372 1.65 1.702 599 633 5.7%145 $2,536 132 1.65 1.702 208 225 8.2%146 $15,366 129 1.65 1.702 203 220 8.4%147 $13,184 136 1.65 1.702 213 231 8.5%148 $1,800 138 1.65 1.702 229 235 2.6%149 $4,553 135 1.65 1.702 224 230 2.7%150 $5,596 150 1.65 1.702 251 255 1.6%151 $663 114 1.65 1.702 177 194 9.6%152 $14,328 528 1.65 1.702 848 899 6.0%153 $8,366 754 1.65 1.702 1196 1283 7.3%


Exhibit C-1 Page 49



Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $216 20 1.600 1.585 35 32 ‐8.6%

3 $735 19 1.600 1.585 30 30 0.0%

4 $4,545 20 1.600 1.585 34 32 ‐5.9%

6 $719 21 1.600 1.585 34 33 ‐2.9%

7 $1,399 19 1.600 1.585 30 30 0.0%

8 $720 17 1.600 1.585 26 27 3.8%

9 $2,212 24 1.600 1.585 40 38 ‐5.0%

10 $208 18 1.600 1.585 29 29 0.0%

11 $221 19 1.600 1.585 29 30 3.4%

12 $1,810 26 1.600 1.585 43 41 ‐4.7%

13 $1,513 16 1.600 1.585 24 25 4.2%

14 $1,551 23 1.600 1.585 37 36 ‐2.7%

15 $2,958 19 1.600 1.585 30 30 0.0%

16 $147 19 1.600 1.585 30 30 0.0%

17 $1,158 23 1.600 1.585 35 36 2.9%

18 $2,080 18 1.600 1.585 29 29 0.0%

19 $283 22 1.600 1.585 35 35 0.0%

20 $388 17 1.600 1.585 27 27 0.0%

21 $1,777 17 1.600 1.585 26 27 3.8%

22 $814 21 1.600 1.585 34 33 ‐2.9%

23 $5,334 25 1.600 1.585 40 40 0.0%24 $1,915 20 1.600 1.585 32 32 0.0%25 $6,212 20 1.600 1.585 34 32 ‐5.9%26 $5,097 20 1.600 1.585 30 32 6.7%27 $1,471 17 1.600 1.585 27 27 0.0%28 $1,834 19 1.600 1.585 30 30 0.0%29 $458 17 1.600 1.585 26 27 3.8%30 $1,053 15 1.600 1.585 22 24 9.1%31 $891 42 1.600 1.585 72 67 ‐6.9%32 $314 28 1.600 1.585 45 44 ‐2.2%33 $738 25 1.600 1.585 40 40 0.0%40 $463 17 1.600 1.585 26 27 3.8%54 $4,674 22 1.600 1.585 34 35 2.9%55 $212 19 1.600 1.585 30 30 0.0%56 $2,027 20 1.600 1.585 34 32 ‐5.9%57 $6,723 19 1.600 1.585 30 30 0.0%58 $2,648 21 1.600 1.585 34 33 ‐2.9%59 $3,331 20 1.600 1.585 32 32 0.0%61 $675 21 1.600 1.585 34 33 ‐2.9%73 $2,463 22 1.600 1.585 34 35 2.9%82 $596 18 1.600 1.585 29 29 0.0%83 $36 23 1.600 1.585 37 36 ‐2.7%84 $4,749 19 1.600 1.585 30 30 0.0%85 $6,317 28 1.600 1.585 46 44 ‐4.3%88 $270 18 1.600 1.585 30 29 ‐3.3%91 $0 20 1.600 1.585 30 32 6.7%92 $687 17 1.600 1.585 29 27 ‐6.9%93 $2,701 18 1.600 1.585 29 29 0.0%94 $1,229 23 1.600 1.585 35 36 2.9%95 $116 20 1.600 1.585 32 32 0.0%96 $636 22 1.600 1.585 38 35 ‐7.9%97 $124 22 1.600 1.585 38 35 ‐7.9%98 $1,478 21 1.600 1.585 34 33 ‐2.9%99 $155 21 1.600 1.585 34 33 ‐2.9%

100 $350 21 1.600 1.585 32 33 3.1%101 $826 20 1.600 1.585 32 32 0.0%102 $2,138 23 1.600 1.585 35 36 2.9%


FPB Income

Exhibit C-1 Page 50



Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change


FPB Income

103 $1,467 22 1.600 1.585 38 35 ‐7.9%104 $509 19 1.600 1.585 29 30 3.4%105 $1,716 22 1.600 1.585 34 35 2.9%106 $3,484 19 1.600 1.585 30 30 0.0%107 $551 18 1.600 1.585 30 29 ‐3.3%108 $1,521 17 1.600 1.585 27 27 0.0%109 $4,717 18 1.600 1.585 29 29 0.0%110 $162 37 1.600 1.585 58 59 1.7%111 $440 35 1.600 1.585 58 55 ‐5.2%112 $71 28 1.600 1.585 45 44 ‐2.2%113 $511 29 1.600 1.585 48 46 ‐4.2%114 $263 24 1.600 1.585 40 38 ‐5.0%115 $170 24 1.600 1.585 40 38 ‐5.0%116 $547 22 1.600 1.585 37 35 ‐5.4%117 $671 21 1.600 1.585 34 33 ‐2.9%118 $1,264 27 1.600 1.585 45 43 ‐4.4%119 $534 18 1.600 1.585 27 29 7.4%120 $122 25 1.600 1.585 40 40 0.0%121 $122 32 1.600 1.585 54 51 ‐5.6%122 $888 19 1.600 1.585 29 30 3.4%123 $2,293 20 1.600 1.585 35 32 ‐8.6%124 $148 21 1.600 1.585 37 33 ‐10.8%126 $1,315 21 1.600 1.585 34 33 ‐2.9%127 $565 19 1.600 1.585 30 30 0.0%128 $175 22 1.600 1.585 35 35 0.0%129 $104 23 1.600 1.585 38 36 ‐5.3%130 $199 19 1.600 1.585 30 30 0.0%131 $77 56 1.600 1.585 98 89 ‐9.2%132 $791 72 1.600 1.585 125 114 ‐8.8%133 $471 61 1.600 1.585 107 97 ‐9.3%135 $1,181 71 1.600 1.585 122 113 ‐7.4%136 $523 18 1.600 1.585 30 29 ‐3.3%137 $1,009 32 1.600 1.585 56 51 ‐8.9%138 $2,021 20 1.600 1.585 32 32 0.0%140 $994 23 1.600 1.585 37 36 ‐2.7%141 $2,039 21 1.600 1.585 32 33 3.1%142 $1,167 21 1.600 1.585 34 33 ‐2.9%143 $701 59 1.600 1.585 102 94 ‐7.8%144 $277 40 1.600 1.585 67 63 ‐6.0%145 $304 20 1.600 1.585 32 32 0.0%146 $2,100 19 1.600 1.585 32 30 ‐6.3%147 $1,441 21 1.600 1.585 30 33 10.0%148 $314 25 1.600 1.585 42 40 ‐4.8%149 $387 22 1.600 1.585 37 35 ‐5.4%150 $466 24 1.600 1.585 40 38 ‐5.0%151 $61 19 1.600 1.585 30 30 0.0%152 $258 63 1.600 1.585 107 100 ‐6.5%153 $132 79 1.600 1.585 136 125 ‐8.1%

Statewide Change ‐0.8%

Exhibit C-1 Page 51


(1) (2) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Latest Year Present Proposed Proposed Proposed Proposed Proposed Proposed Proposed Actual

ERIE Written Package $10M MED $100M $1/15M IL $2.5/50M $2.5M $25M Package Base Rate

Zone Exposures Base Rate Base Rate MED Rate Base Rate IL Rate FUN Rate AD Rate Base Rate Change

2 0 618 209 479 32 120 3 15 617 -0.2%

3 0 573 184 421 30 113 3 15 552 -3.7%

4 0 668 233 534 32 120 3 15 672 0.6%

6 0 657 228 522 33 124 3 15 664 1.1%

7 0 644 228 522 30 113 3 15 653 1.4%

8 0 581 214 490 27 101 3 15 609 4.8%

9 0 743 271 621 38 143 3 15 782 5.2%

10 0 564 196 449 29 109 3 15 576 2.1%

11 0 592 214 490 30 113 3 15 621 4.9%

12 0 703 235 538 41 154 3 15 710 1.0%

13 0 458 150 344 25 94 3 15 456 -0.4%

14 0 720 254 582 36 135 3 15 735 2.1%

15 0 532 187 428 30 113 3 15 559 5.1%

16 0 568 208 476 30 113 3 15 607 6.9%

17 0 651 230 527 36 135 3 15 680 4.5%

18 5 505 174 398 29 109 3 15 525 4.0%

19 0 701 245 561 35 131 3 15 710 1.3%20 0 492 180 412 27 101 3 15 531 7.9%

21 0 512 177 405 27 101 3 15 524 2.3%

22 0 572 182 417 33 124 3 15 559 -2.3%

23 0 637 209 479 40 150 3 15 647 1.6%

24 0 587 209 479 32 120 3 15 617 5.1%

25 0 634 218 499 32 120 3 15 637 0.5%

26 4 600 216 495 32 120 3 15 633 5.5%

27 2 460 160 366 27 101 3 15 485 5.4%

28 0 557 196 449 30 113 3 15 580 4.1%

29 0 505 168 385 27 101 3 15 504 -0.2%

30 0 463 162 371 24 90 3 15 479 3.5%

31 0 1,712 645 1477 67 251 3 15 1746 2.0%

32 0 1,169 444 1017 44 165 3 15 1200 2.7%

33 0 988 380 870 40 150 3 15 1038 5.1%

40 0 517 167 382 27 101 3 15 501 -3.1%

54 2 547 191 437 35 131 3 15 586 7.1%

55 0 660 237 543 30 113 3 15 674 2.1%

56 0 606 204 467 32 120 3 15 605 -0.2%

57 2 516 172 394 30 113 3 15 525 1.7%

58 0 714 250 573 33 124 3 15 715 0.1%

59 0 630 220 504 32 120 3 15 642 1.9%

61 0 675 237 543 33 124 3 15 685 1.5%

73 0 512 174 398 35 131 3 15 547 6.8%

82 0 645 231 529 29 109 3 15 656 1.7%

83 0 901 339 776 36 135 3 15 929 3.1%

84 0 573 199 456 30 113 3 15 587 2.4%

85 0 844 284 650 44 165 3 15 833 -1.3%

88 0 619 216 495 29 109 3 15 622 0.5%

91 0 667 262 600 32 120 3 15 738 10.6%

92 0 516 172 394 27 101 3 15 513 -0.6%

93 0 539 194 444 29 109 3 15 571 5.9%

94 0 609 204 467 36 135 3 15 620 1.8%

95 0 614 211 483 32 120 3 15 621 1.1%

96 0 701 235 538 35 131 3 15 687 -2.0%

97 0 660 248 568 35 131 3 15 717 8.6%

98 0 554 177 405 33 124 3 15 547 -1.3%

99 0 588 206 472 33 124 3 15 614 4.4%

100 0 543 191 437 33 124 3 15 579 6.6%

101 0 674 257 589 32 120 3 15 727 7.9%

102 0 705 267 611 36 135 3 15 764 8.4%

103 0 701 225 515 35 131 3 15 664 -5.3%

104 0 592 221 506 30 113 3 15 637 7.6%

Pennsylvania Private Passenger Auto (Standard)Combination Benefit (Package) Base Rate Development - 6/1/18

Exhibit C-1 Page 52


(1) (2) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Latest Year Present Proposed Proposed Proposed Proposed Proposed Proposed Proposed Actual

ERIE Written Package $10M MED $100M $1/15M IL $2.5/50M $2.5M $25M Package Base Rate

Zone Exposures Base Rate Base Rate MED Rate Base Rate IL Rate FUN Rate AD Rate Base Rate Change

Pennsylvania Private Passenger Auto (Standard)Combination Benefit (Package) Base Rate Development - 6/1/18

105 0 659 221 506 35 131 3 15 655 -0.6%

106 0 568 208 476 30 113 3 15 607 6.9%

107 0 543 191 437 29 109 3 15 564 3.9%

108 0 527 191 437 27 101 3 15 556 5.5%

109 0 580 199 456 29 109 3 15 583 0.5%

110 0 1,177 419 960 59 221 3 15 1199 1.9%

111 0 1,095 383 877 55 206 3 15 1101 0.5%

112 0 897 315 721 44 165 3 15 904 0.8%

113 0 1,052 381 872 46 173 3 15 1063 1.0%

114 0 773 269 616 38 143 3 15 777 0.5%

115 0 777 272 623 38 143 3 15 784 0.9%

116 0 743 262 600 35 131 3 15 749 0.8%

117 0 716 254 582 33 124 3 15 724 1.1%

118 0 883 310 710 43 161 3 15 889 0.7%

119 0 543 179 410 29 109 3 15 537 -1.1%

120 0 848 303 694 40 150 3 15 862 1.7%

121 0 1,238 456 1044 51 191 3 15 1253 1.2%

122 0 576 187 428 30 113 3 15 559 -3.0%

123 0 678 225 515 32 120 3 15 653 -3.7%

124 0 727 252 577 33 124 3 15 719 -1.1%

126 0 542 175 401 33 124 3 15 543 0.2%

127 0 513 180 412 30 113 3 15 543 5.8%

128 0 648 223 511 35 131 3 15 660 1.9%

129 0 818 291 666 36 135 3 15 819 0.1%

130 0 671 242 554 30 113 3 15 685 2.1%

131 0 1,904 705 1614 89 334 3 15 1966 3.3%

132 0 2,736 1,043 2388 114 428 3 15 2834 3.6%

133 0 2,727 1,082 2478 97 364 3 15 2860 4.9%

135 0 3,121 1,225 2805 113 424 3 15 3247 4.0%

136 0 493 155 355 29 109 3 15 482 -2.2%

137 0 954 323 740 51 191 3 15 949 -0.5%

138 0 619 216 495 32 120 3 15 633 2.3%

140 0 762 271 621 36 135 3 15 774 1.6%

141 0 672 242 554 33 124 3 15 696 3.6%

142 0 627 216 495 33 124 3 15 637 1.6%

143 0 2,480 962 2203 94 353 3 15 2574 3.8%

144 0 1,641 633 1450 63 236 3 15 1704 3.8%

145 0 614 225 515 32 120 3 15 653 6.4%

146 0 603 220 504 30 113 3 15 635 5.3%

147 0 619 231 529 33 124 3 15 671 8.4%

148 0 700 235 538 40 150 3 15 706 0.9%

149 0 670 230 527 35 131 3 15 676 0.9%

150 0 743 255 584 38 143 3 15 745 0.3%

151 0 536 194 444 30 113 3 15 575 7.3%

152 0 2,361 899 2059 100 375 3 15 2452 3.9%

153 0 3,267 1,283 2938 125 469 3 15 3425 4.8%

Statewid 15 4.7%

Proposed Combination Benefit = $100,000 Medical Expense + $2,500/50,000 Income Loss + $2,500 Funeral + $25,000 Accidental Death

Exhibit C-1 Page 53


Zone

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $161 5 2.080 2.084 10 10 0.0% $1,189 21 1.812 1.865 40 39 ‐2.5%

3 $777 6 2.080 2.084 12 13 8.3% $4,993 22 1.812 1.865 43 41 ‐4.7%

4 $6,336 6 2.080 2.084 12 13 8.3% $32,173 18 1.812 1.865 34 34 0.0%

6 $581 5 2.080 2.084 10 10 0.0% $4,155 19 1.812 1.865 34 35 2.9%

7 $1,280 5 2.080 2.084 10 10 0.0% $9,097 22 1.812 1.865 40 41 2.5%

8 $530 5 2.080 2.084 10 10 0.0% $2,947 19 1.812 1.865 36 35 ‐2.8%

9 $1,647 7 2.080 2.084 15 15 0.0% $7,723 23 1.812 1.865 40 43 7.5%

10 $162 5 2.080 2.084 10 10 0.0% $836 20 1.812 1.865 38 37 ‐2.6%

11 $330 5 2.080 2.084 10 10 0.0% $2,761 20 1.812 1.865 38 37 ‐2.6%

12 $2,499 9 2.080 2.084 19 19 0.0% $13,773 32 1.812 1.865 62 60 ‐3.2%

13 $2,416 6 2.080 2.084 12 13 8.3% $12,061 19 1.812 1.865 36 35 ‐2.8%

14 $2,726 10 2.080 2.084 21 21 0.0% $13,251 34 1.812 1.865 65 63 ‐3.1%

15 $2,868 5 2.080 2.084 10 10 0.0% $14,996 17 1.812 1.865 29 32 10.3%

16 $115 4 2.080 2.084 8 8 0.0% $1,081 22 1.812 1.865 42 41 ‐2.4%

17 $1,293 6 2.080 2.084 12 13 8.3% $8,563 22 1.812 1.865 43 41 ‐4.7%

18 $2,544 5 2.080 2.084 10 10 0.0% $16,162 18 1.812 1.865 34 34 0.0%

19 $404 9 2.080 2.084 19 19 0.0% $2,399 32 1.812 1.865 62 60 ‐3.2%

20 $331 4 2.080 2.084 8 8 0.0% $3,295 20 1.812 1.865 38 37 ‐2.6%

21 $1,903 5 2.080 2.084 10 10 0.0% $12,646 21 1.812 1.865 38 39 2.6%

22 $653 5 2.080 2.084 10 10 0.0% $3,763 18 1.812 1.865 31 34 9.7%

23 $4,187 6 2.080 2.084 12 13 8.3% $26,032 23 1.812 1.865 42 43 2.4%

24 $2,085 5 2.080 2.084 10 10 0.0% $15,589 20 1.812 1.865 38 37 ‐2.6%

25 $5,442 5 2.080 2.084 10 10 0.0% $33,453 21 1.812 1.865 40 39 ‐2.5%

26 $5,156 4 2.080 2.084 8 8 0.0% $44,228 22 1.812 1.865 38 41 7.9%

27 $1,269 4 2.080 2.084 8 8 0.0% $9,827 18 1.812 1.865 33 34 3.0%

28 $2,166 5 2.080 2.084 10 10 0.0% $14,310 19 1.812 1.865 36 35 ‐2.8%

29 $408 4 2.080 2.084 8 8 0.0% $2,806 18 1.812 1.865 31 34 9.7%

30 $997 6 2.080 2.084 12 13 8.3% $5,096 17 1.812 1.865 33 32 ‐3.0%

31 $4,044 40 2.080 2.084 79 83 5.1% $6,854 59 1.812 1.865 103 110 6.8%

32 $1,487 22 2.080 2.084 46 46 0.0% $3,174 34 1.812 1.865 65 63 ‐3.1%

33 $2,563 15 2.080 2.084 31 31 0.0% $8,551 30 1.812 1.865 56 56 0.0%

40 $483 5 2.080 2.084 10 10 0.0% $2,718 20 1.812 1.865 36 37 2.8%

54 $3,424 5 2.080 2.084 10 10 0.0% $25,565 24 1.812 1.865 43 45 4.7%

55 $305 7 2.080 2.084 15 15 0.0% $1,375 25 1.812 1.865 45 47 4.4%

56 $1,249 6 2.080 2.084 12 13 8.3% $7,816 23 1.812 1.865 40 43 7.5%

57 $5,353 5 2.080 2.084 10 10 0.0% $33,130 18 1.812 1.865 34 34 0.0%

58 $4,435 9 2.080 2.084 19 19 0.0% $21,399 23 1.812 1.865 45 43 ‐4.4%

59 $4,213 8 2.080 2.084 17 17 0.0% $18,429 18 1.812 1.865 33 34 3.0%

61 $800 8 2.080 2.084 17 17 0.0% $3,147 20 1.812 1.865 36 37 2.8%

73 $1,287 5 2.080 2.084 10 10 0.0% $7,611 19 1.812 1.865 34 35 2.9%

82 $1,576 10 2.080 2.084 19 21 10.5% $6,034 21 1.812 1.865 36 39 8.3%83 $122 11 2.080 2.084 23 23 0.0% $418 26 1.812 1.865 49 48 ‐2.0%84 $5,050 6 2.080 2.084 12 13 8.3% $26,736 21 1.812 1.865 40 39 ‐2.5%85 $7,116 9 2.080 2.084 19 19 0.0% $35,929 27 1.812 1.865 51 50 ‐2.0%88 $485 6 2.080 2.084 12 13 8.3% $3,308 20 1.812 1.865 38 37 ‐2.6%91 $0 7 2.080 2.084 15 15 0.0% $0 17 1.812 1.865 31 32 3.2%92 $525 5 2.080 2.084 10 10 0.0% $3,815 24 1.812 1.865 42 45 7.1%93 $2,354 5 2.080 2.084 10 10 0.0% $14,613 20 1.812 1.865 36 37 2.8%94 $1,027 6 2.080 2.084 12 13 8.3% $6,050 20 1.812 1.865 34 37 8.8%95 $150 6 2.080 2.084 12 13 8.3% $958 20 1.812 1.865 40 37 ‐7.5%96 $686 6 2.080 2.084 12 13 8.3% $3,974 20 1.812 1.865 36 37 2.8%97 $182 6 2.080 2.084 12 13 8.3% $1,083 20 1.812 1.865 38 37 ‐2.6%98 $1,394 5 2.080 2.084 10 10 0.0% $9,347 19 1.812 1.865 36 35 ‐2.8%99 $131 5 2.080 2.084 10 10 0.0% $975 22 1.812 1.865 40 41 2.5%

100 $296 5 2.080 2.084 10 10 0.0% $1,858 19 1.812 1.865 34 35 2.9%101 $825 5 2.080 2.084 10 10 0.0% $5,874 20 1.812 1.865 38 37 ‐2.6%102 $2,228 7 2.080 2.084 12 15 25.0% $10,444 19 1.812 1.865 33 35 6.1%103 $1,456 7 2.080 2.084 12 15 25.0% $6,926 18 1.812 1.865 29 34 17.2%104 $600 5 2.080 2.084 10 10 0.0% $3,957 19 1.812 1.865 33 35 6.1%

UMBI UIM BI


UM/UIM

Exhibit C-1 Page 54


Zone

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

UMBI UIM BI


UM/UIM

105 $1,550 6 2.080 2.084 12 13 8.3% $7,792 18 1.812 1.865 31 34 9.7%106 $3,219 5 2.080 2.084 10 10 0.0% $23,278 19 1.812 1.865 36 35 ‐2.8%107 $700 6 2.080 2.084 12 13 8.3% $3,533 17 1.812 1.865 31 32 3.2%108 $1,934 5 2.080 2.084 10 10 0.0% $12,604 17 1.812 1.865 31 32 3.2%109 $4,622 5 2.080 2.084 10 10 0.0% $28,966 18 1.812 1.865 31 34 9.7%110 $1,736 25 2.080 2.084 50 52 4.0% $4,054 45 1.812 1.865 82 84 2.4%111 $1,694 19 2.080 2.084 37 40 8.1% $5,773 45 1.812 1.865 82 84 2.4%112 $440 14 2.080 2.084 29 29 0.0% $1,287 29 1.812 1.865 56 54 ‐3.6%113 $1,308 12 2.080 2.084 23 25 8.7% $7,115 33 1.812 1.865 58 62 6.9%114 $648 8 2.080 2.084 17 17 0.0% $4,094 27 1.812 1.865 49 50 2.0%115 $714 9 2.080 2.084 19 19 0.0% $3,918 26 1.812 1.865 47 48 2.1%116 $1,179 9 2.080 2.084 19 19 0.0% $5,993 25 1.812 1.865 47 47 0.0%117 $1,041 7 2.080 2.084 15 15 0.0% $5,749 23 1.812 1.865 42 43 2.4%118 $2,593 11 2.080 2.084 21 23 9.5% $11,258 27 1.812 1.865 49 50 2.0%119 $648 5 2.080 2.084 10 10 0.0% $5,139 19 1.812 1.865 38 35 ‐7.9%120 $843 15 2.080 2.084 31 31 0.0% $3,076 36 1.812 1.865 67 67 0.0%121 $734 28 2.080 2.084 54 58 7.4% $1,795 37 1.812 1.865 65 69 6.2%122 $772 4 2.080 2.084 8 8 0.0% $8,771 23 1.812 1.865 45 43 ‐4.4%123 $2,173 7 2.080 2.084 15 15 0.0% $10,266 19 1.812 1.865 36 35 ‐2.8%124 $182 5 2.080 2.084 10 10 0.0% $1,169 18 1.812 1.865 33 34 3.0%126 $941 4 2.080 2.084 8 8 0.0% $7,305 20 1.812 1.865 34 37 8.8%127 $572 6 2.080 2.084 12 13 8.3% $3,352 19 1.812 1.865 34 35 2.9%128 $316 8 2.080 2.084 17 17 0.0% $1,645 23 1.812 1.865 43 43 0.0%129 $294 11 2.080 2.084 23 23 0.0% $1,249 26 1.812 1.865 47 48 2.1%130 $519 8 2.080 2.084 17 17 0.0% $2,672 23 1.812 1.865 43 43 0.0%131 $385 56 2.080 2.084 119 117 ‐1.7% $986 84 1.812 1.865 165 157 ‐4.8%132 $4,387 79 2.080 2.084 160 165 3.1% $6,333 90 1.812 1.865 169 168 ‐0.6%133 $1,433 70 2.080 2.084 137 146 6.6% $2,167 86 1.812 1.865 150 160 6.7%135 $6,772 81 2.080 2.084 158 169 7.0% $9,038 95 1.812 1.865 167 177 6.0%136 $730 5 2.080 2.084 10 10 0.0% $3,786 19 1.812 1.865 33 35 6.1%137 $1,878 17 2.080 2.084 33 35 6.1% $7,167 34 1.812 1.865 62 63 1.6%138 $1,867 5 2.080 2.084 10 10 0.0% $15,678 25 1.812 1.865 45 47 4.4%140 $1,696 9 2.080 2.084 19 19 0.0% $7,558 23 1.812 1.865 43 43 0.0%141 $2,722 9 2.080 2.084 19 19 0.0% $15,435 31 1.812 1.865 58 58 0.0%142 $962 5 2.080 2.084 10 10 0.0% $6,582 21 1.812 1.865 40 39 ‐2.5%143 $7,352 72 2.080 2.084 146 150 2.7% $8,147 70 1.812 1.865 129 131 1.6%144 $773 51 2.080 2.084 108 106 ‐1.9% $1,740 61 1.812 1.865 120 114 ‐5.0%145 $278 6 2.080 2.084 12 13 8.3% $1,552 20 1.812 1.865 40 37 ‐7.5%146 $2,146 6 2.080 2.084 12 13 8.3% $10,584 19 1.812 1.865 33 35 6.1%147 $1,349 5 2.080 2.084 10 10 0.0% $9,170 20 1.812 1.865 38 37 ‐2.6%148 $271 7 2.080 2.084 15 15 0.0% $1,751 24 1.812 1.865 43 45 4.7%149 $591 7 2.080 2.084 15 15 0.0% $3,258 25 1.812 1.865 45 47 4.4%150 $788 8 2.080 2.084 17 17 0.0% $3,869 22 1.812 1.865 40 41 2.5%151 $57 5 2.080 2.084 10 10 0.0% $380 20 1.812 1.865 38 37 ‐2.6%152 $3,074 78 2.080 2.084 148 163 10.1% $4,296 87 1.812 1.865 167 162 ‐3.0%153 $794 76 2.080 2.084 162 158 ‐2.5% $980 100 1.812 1.865 169 187 10.7%

Statewide Change 3.2% 1.6%

Exhibit C-1 Page 55


Zone

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $5,228 232 1.366 1.31 302 304 0.7%

3 $20,252 295 1.366 1.31 365 386 5.8%

4 $88,695 121 1.366 1.31 176 159 ‐9.7%

6 $9,606 129 1.366 1.31 179 169 ‐5.6%

7 $25,853 138 1.366 1.31 186 181 ‐2.7%

8 $10,902 139 1.366 1.31 189 182 ‐3.7%

9 $17,353 101 1.366 1.31 142 132 ‐7.0%

10 $3,661 165 1.366 1.31 224 216 ‐3.6%

11 $4,532 191 1.366 1.31 240 250 4.2%

12 $22,265 94 1.366 1.31 123 123 0.0%

13 $30,640 128 1.366 1.31 169 168 ‐0.6%

14 $20,598 102 1.366 1.31 137 134 ‐2.2%

15 $41,248 92 1.366 1.31 128 121 ‐5.5%

16 $3,303 333 1.366 1.31 413 436 5.6%

17 $22,480 186 1.366 1.31 251 244 ‐2.8%

18 $41,713 124 1.366 1.31 165 162 ‐1.8%

19 $5,093 167 1.366 1.31 214 219 2.3%

20 $10,614 325 1.366 1.31 432 426 ‐1.4%

21 $43,191 185 1.366 1.31 247 242 ‐2.0%

22 $13,193 167 1.366 1.31 224 219 ‐2.2%

23 $66,936 159 1.366 1.31 205 208 1.5%

24 $28,525 108 1.366 1.31 143 141 ‐1.4%

25 $65,390 89 1.366 1.31 123 117 ‐4.9%

26 $83,630 102 1.366 1.31 138 134 ‐2.9%

27 $22,612 106 1.366 1.31 146 139 ‐4.8%

28 $37,384 112 1.366 1.31 163 147 ‐9.8%

29 $7,253 104 1.366 1.31 143 136 ‐4.9%

30 $17,743 133 1.366 1.31 172 174 1.2%

31 $12,540 154 1.366 1.31 212 202 ‐4.7%

32 $6,920 116 1.366 1.31 160 152 ‐5.0%

33 $15,020 116 1.366 1.31 158 152 ‐3.8%

40 $5,990 118 1.366 1.31 158 155 ‐1.9%

54 $126,918 254 1.366 1.31 344 333 ‐3.2%

55 $6,290 260 1.366 1.31 328 341 4.0%

56 $27,461 185 1.366 1.31 260 242 ‐6.9%

57 $126,710 198 1.366 1.31 254 259 2.0%

58 $33,620 101 1.366 1.31 139 132 ‐5.0%59 $41,636 120 1.366 1.31 165 157 ‐4.8%61 $9,256 143 1.366 1.31 197 187 ‐5.1%73 $45,450 273 1.366 1.31 352 358 1.7%82 $23,495 149 1.366 1.31 206 195 ‐5.3%83 $1,002 135 1.366 1.31 184 177 ‐3.8%84 $139,596 281 1.366 1.31 361 368 1.9%85 $82,249 198 1.366 1.31 262 259 ‐1.1%88 $9,012 213 1.366 1.31 305 279 ‐8.5%91 $0 135 1.366 1.31 182 177 ‐2.7%92 $16,953 267 1.366 1.31 331 350 5.7%93 $52,221 200 1.366 1.31 255 262 2.7%94 $19,875 182 1.366 1.31 255 238 ‐6.7%95 $2,265 207 1.366 1.31 265 271 2.3%96 $12,413 184 1.366 1.31 232 241 3.9%97 $3,598 179 1.366 1.31 224 234 4.5%98 $19,470 116 1.366 1.31 164 152 ‐7.3%99 $1,570 175 1.366 1.31 243 229 ‐5.8%

100 $3,673 117 1.366 1.31 167 153 ‐8.4%101 $12,852 112 1.366 1.31 150 147 ‐2.0%102 $29,224 105 1.366 1.31 139 138 ‐0.7%103 $14,824 107 1.366 1.31 138 140 1.4%104 $7,191 91 1.366 1.31 123 119 ‐3.3%


Comprehensive

Exhibit C-1 Page 56


Zone

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change


Comprehensive

105 $16,811 96 1.366 1.31 133 126 ‐5.3%106 $34,255 88 1.366 1.31 120 115 ‐4.2%107 $8,032 128 1.366 1.31 173 168 ‐2.9%108 $29,138 115 1.366 1.31 157 151 ‐3.8%109 $66,017 108 1.366 1.31 153 141 ‐7.8%110 $6,342 113 1.366 1.31 156 148 ‐5.1%111 $8,252 102 1.366 1.31 141 134 ‐5.0%112 $2,688 126 1.366 1.31 173 165 ‐4.6%113 $7,179 106 1.366 1.31 142 139 ‐2.1%114 $7,772 138 1.366 1.31 187 181 ‐3.2%115 $10,714 166 1.366 1.31 224 217 ‐3.1%116 $12,013 153 1.366 1.31 210 200 ‐4.8%117 $13,828 118 1.366 1.31 160 155 ‐3.1%118 $21,405 100 1.366 1.31 138 131 ‐5.1%119 $11,531 143 1.366 1.31 189 187 ‐1.1%120 $5,508 104 1.366 1.31 145 136 ‐6.2%121 $1,824 137 1.366 1.31 187 179 ‐4.3%122 $22,267 219 1.366 1.31 272 287 5.5%123 $33,370 180 1.366 1.31 246 236 ‐4.1%124 $2,424 162 1.366 1.31 221 212 ‐4.1%126 $45,420 306 1.366 1.31 387 401 3.6%127 $11,836 254 1.366 1.31 336 333 ‐0.9%128 $3,112 144 1.366 1.31 198 189 ‐4.5%129 $2,548 98 1.366 1.31 133 128 ‐3.8%130 $4,600 119 1.366 1.31 164 156 ‐4.9%131 $2,147 224 1.366 1.31 309 293 ‐5.2%132 $18,399 230 1.366 1.31 318 301 ‐5.3%133 $5,920 262 1.366 1.31 365 343 ‐6.0%135 $30,490 214 1.366 1.31 298 280 ‐6.0%136 $19,590 150 1.366 1.31 199 197 ‐1.0%137 $9,461 94 1.366 1.31 130 123 ‐5.4%138 $25,364 98 1.366 1.31 135 128 ‐5.2%140 $15,374 131 1.366 1.31 180 172 ‐4.4%141 $28,569 154 1.366 1.31 199 202 1.5%142 $24,277 168 1.366 1.31 216 220 1.9%143 $23,372 160 1.366 1.31 223 210 ‐5.8%144 $2,367 161 1.366 1.31 224 211 ‐5.8%145 $3,988 178 1.366 1.31 228 233 2.2%146 $34,295 143 1.366 1.31 193 187 ‐3.1%147 $23,778 122 1.366 1.31 171 160 ‐6.4%148 $4,026 180 1.366 1.31 240 236 ‐1.7%149 $6,429 126 1.366 1.31 169 165 ‐2.4%150 $9,667 144 1.366 1.31 197 189 ‐4.1%151 $2,627 247 1.366 1.31 337 324 ‐3.9%152 $8,933 238 1.366 1.31 331 312 ‐5.7%153 $5,101 253 1.366 1.31 352 331 ‐6.0%


Exhibit C-1 Page 57


Zone

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change

2 $6,292 218 1.482 1.469 350 320 ‐8.6%

3 $19,363 233 1.482 1.469 338 342 1.2%

4 $246,411 235 1.482 1.469 359 345 ‐3.9%

6 $18,579 236 1.482 1.469 350 347 ‐0.9%

7 $54,140 232 1.482 1.469 341 341 0.0%

8 $23,761 215 1.482 1.469 332 316 ‐4.8%

9 $64,901 282 1.482 1.469 403 414 2.7%

10 $5,882 211 1.482 1.469 322 310 ‐3.7%

11 $7,790 203 1.482 1.469 326 298 ‐8.6%

12 $75,665 243 1.482 1.469 369 357 ‐3.3%

13 $67,158 193 1.482 1.469 302 284 ‐6.0%

14 $63,820 231 1.482 1.469 356 339 ‐4.8%

15 $119,253 201 1.482 1.469 301 295 ‐2.0%

16 $3,143 219 1.482 1.469 351 322 ‐8.3%

17 $36,006 228 1.482 1.469 316 335 6.0%

18 $80,417 194 1.482 1.469 295 285 ‐3.4%

19 $9,311 226 1.482 1.469 341 332 ‐2.6%

20 $8,517 213 1.482 1.469 316 313 ‐0.9%

21 $59,074 196 1.482 1.469 299 288 ‐3.7%

22 $19,108 182 1.482 1.469 277 267 ‐3.6%

23 $135,698 219 1.482 1.469 344 322 ‐6.4%

24 $70,465 206 1.482 1.469 308 303 ‐1.6%

25 $236,790 231 1.482 1.469 336 339 0.9%

26 $224,402 206 1.482 1.469 314 303 ‐3.5%

27 $48,860 186 1.482 1.469 280 273 ‐2.5%

28 $86,788 214 1.482 1.469 299 314 5.0%

29 $18,642 196 1.482 1.469 304 288 ‐5.3%

30 $32,160 194 1.482 1.469 298 285 ‐4.4%

31 $55,363 392 1.482 1.469 597 576 ‐3.5%

32 $32,125 345 1.482 1.469 542 507 ‐6.5%

33 $62,729 310 1.482 1.469 480 455 ‐5.2%

40 $12,706 187 1.482 1.469 301 275 ‐8.6%

54 $122,260 204 1.482 1.469 301 300 ‐0.3%

55 $7,805 229 1.482 1.469 359 336 ‐6.4%

56 $43,670 228 1.482 1.469 344 335 ‐2.6%

57 $165,058 189 1.482 1.469 288 278 ‐3.5%

58 $107,452 239 1.482 1.469 366 351 ‐4.1%

59 $92,546 218 1.482 1.469 344 320 ‐7.0%

61 $24,782 277 1.482 1.469 412 407 ‐1.2%

73 $45,242 202 1.482 1.469 305 297 ‐2.6%82 $57,412 269 1.482 1.469 405 395 ‐2.5%83 $5,409 330 1.482 1.469 508 485 ‐4.5%84 $116,092 201 1.482 1.469 295 295 0.0%85 $173,825 257 1.482 1.469 397 378 ‐4.8%88 $12,631 208 1.482 1.469 333 306 ‐8.1%91 $0 240 1.482 1.469 353 353 0.0%92 $19,288 184 1.482 1.469 295 270 ‐8.5%93 $63,393 198 1.482 1.469 288 291 1.0%94 $29,639 203 1.482 1.469 298 298 0.0%95 $4,012 204 1.482 1.469 326 300 ‐8.0%96 $23,504 227 1.482 1.469 344 333 ‐3.2%97 $6,260 214 1.482 1.469 325 314 ‐3.4%98 $45,417 214 1.482 1.469 333 314 ‐5.7%99 $3,555 219 1.482 1.469 348 322 ‐7.5%

100 $8,039 205 1.482 1.469 329 301 ‐8.5%101 $39,600 253 1.482 1.469 359 372 3.6%102 $104,048 281 1.482 1.469 393 413 5.1%103 $64,006 292 1.482 1.469 424 429 1.2%104 $27,695 250 1.482 1.469 369 367 ‐0.5%


Collision

Exhibit C-1 Page 58


Zone

Company

Premium

Proposed

Exchange

Base Rate

Present

Company

Loading

Proposed

Company

Loading

Current

Company

Base Rate

Proposed

Company

Base Rate

Base Rate

Change


Collision

105 $72,418 295 1.482 1.469 425 433 1.9%106 $128,734 230 1.482 1.469 359 338 ‐5.8%107 $16,562 217 1.482 1.469 350 319 ‐8.9%108 $80,164 240 1.482 1.469 339 353 4.1%109 $180,418 232 1.482 1.469 347 341 ‐1.7%110 $25,937 310 1.482 1.469 473 455 ‐3.8%111 $34,736 282 1.482 1.469 425 414 ‐2.6%112 $7,073 258 1.482 1.469 396 379 ‐4.3%113 $28,230 288 1.482 1.469 440 423 ‐3.9%114 $20,339 263 1.482 1.469 397 386 ‐2.8%115 $24,142 266 1.482 1.469 411 391 ‐4.9%116 $30,459 269 1.482 1.469 405 395 ‐2.5%117 $38,970 246 1.482 1.469 372 361 ‐3.0%118 $80,718 268 1.482 1.469 411 394 ‐4.1%119 $25,124 226 1.482 1.469 320 332 3.8%120 $22,938 305 1.482 1.469 455 448 ‐1.5%121 $7,147 351 1.482 1.469 516 516 0.0%122 $28,789 200 1.482 1.469 322 294 ‐8.7%123 $60,423 229 1.482 1.469 351 336 ‐4.3%124 $5,515 220 1.482 1.469 351 323 ‐8.0%126 $43,497 220 1.482 1.469 313 323 3.2%127 $11,955 204 1.482 1.469 302 300 ‐0.7%128 $7,019 274 1.482 1.469 411 403 ‐1.9%129 $10,392 259 1.482 1.469 373 380 1.9%130 $14,260 250 1.482 1.469 385 367 ‐4.7%131 $5,147 391 1.482 1.469 575 574 ‐0.2%132 $74,232 549 1.482 1.469 808 806 ‐0.2%133 $19,138 525 1.482 1.469 742 771 3.9%135 $121,998 516 1.482 1.469 747 758 1.5%136 $36,129 192 1.482 1.469 296 282 ‐4.7%137 $39,001 291 1.482 1.469 431 427 ‐0.9%138 $75,059 235 1.482 1.469 356 345 ‐3.1%140 $35,923 236 1.482 1.469 356 347 ‐2.5%141 $62,979 226 1.482 1.469 356 332 ‐6.7%142 $40,156 195 1.482 1.469 299 286 ‐4.3%143 $121,185 507 1.482 1.469 748 745 ‐0.4%144 $8,091 368 1.482 1.469 550 541 ‐1.6%145 $7,531 211 1.482 1.469 339 310 ‐8.6%146 $66,914 207 1.482 1.469 332 304 ‐8.4%147 $56,111 224 1.482 1.469 342 329 ‐3.8%148 $7,099 250 1.482 1.469 372 367 ‐1.3%149 $16,593 248 1.482 1.469 382 364 ‐4.7%150 $19,814 235 1.482 1.469 363 345 ‐5.0%151 $2,848 213 1.482 1.469 319 313 ‐1.9%152 $27,851 517 1.482 1.469 744 759 2.0%153 $18,980 596 1.482 1.469 855 876 2.5%


Exhibit C-1 Page 59

Erie Insurance ExchangeErie Insurance Company

ERIE Selected ERIE SelectedZone Zone Description Complement Zone Zone Description Complement2 E. Westmoreland 145, 146 99 W. Beaver 98, 1003 Armstrong 126 100 E. Beaver 98, 994 SW Berks 6, 7 101 E. Allegheny 1026 NW Berks 4, 7 102 E. Pittsburgh Suburbs 1017 E. Berks, Chester zip 19465 4, 6 103 E. Pittsburgh 102, 1058 N. Blair 10 104 Allegheny zipcodes 15017,15106,15220,15242,15283 1069 Erie City 138 105 W. Pittsburgh 103, 10610 S. Blair 8 106 W. Pittsburgh Suburbs None11 SE Butler 122 107 NE Allegheny 10812 Cent Lackawanna 19, 14 108 NW Allegheny None13 S. Lycoming 57 109 SW Allegheny, N. Washington None14 NE Luzerne 141 110 SW Bucks ‐ most southern Bucks County

15 SW Dauphin, E. Cumberland, N. York None 111 SW Bucks Bucks County16 Butler ‐ remainder 122 112 SE Bucks Bucks County

17 Fayette None 113 S. Cent Bucks Bucks County18 Adams, Franklin None 114 Cent Bucks Bucks County19 Lackawanna 12, 141 115 N. Cent Bucks & E. Bucks Bucks County

20 Fulton 127, 151 116 Cent Chester Chester County21 N. Northumberland, Columbia, Montour 30, 142 117 N. Cent Montgomery Montgomery County

22 N. Dauphin 29 118 E. Cent Montgomery Montgomery County23 Carbon, Schuylkill None 119 SW Butler 12224 York (city and suburbs) 28 120 W. Montgomery Montgomery County25 Parts of Lancaster, Lebanon None 121 S. Montgomery Montgomery County

26 Lancaster, Lebanon, West Chester None 122 Cent Butler 16, 11, 11927 Cumberland ‐ remainder None 123 Washington ‐ remainder 109, 124

28 York County Remainder None 124 NE Washington 109, 12329 SE Dauphin 22 126 Clarion, Venango 73, 9430 Snyder, Union 21, 142 127 Southern Bedford 10, 20, 15131 SE Delaware Delaware County 128 N. Cent Chester Chester County32 SE Delaware Delaware County 129 SW Montgomery Montgomery County

33 N. Delaware Delaware County 130 NE Chester Chester County40 SW Cambria 93 131 Philadelphia: 19102, 19103, 19106, 19107 Philadelphia County54 Crawford, McKean, Warren, etc. None 132 Philadelphia 190: 82,92,93; 191: 01,04,30,39,43,45‐48,60,etc Philadelphia County

55 Wyoming 19, 141 133 W. Philadelphia Philadelphia County56 Erie ‐ remainder 54 135 Cent Philadelphia Philadelphia County

57 Central Counties None 136 Clinton 5758 Allentown‐Bethlehem None 137 S. Montgomery Montgomery County59 Lehigh, Northampton remainder None 138 Erie City suburbs None61 Cent Chester Chester County 140 N. Montgomery Montgomery County73 Clearfield, Jefferson 54 141 Luzerne 1482 E. Chester Chester County 142 Northumberland 21, 3083 W. Delaware Delaware County 143 NE Philadelphia Philadelphia County84 Bradford, Susquehanna, Tioga None 144 NW Philadelphia Philadelphia County

85 Monroe, Pike, Wayne None 145 Northcentral Westmoreland 146, 14788 Greene 17, 123 146 Central Westmoreland 145, 14791 Allegheny zipcode 15085 101, 102 147 Southwestern Westmoreland 145, 14692 Indiana 93 148 Northwest Bucks Bucks County93 Cambria, Somerset None 149 Northcentral Bucks Bucks County94 Mercer 126 150 Northeast Bucks Bucks County

95 N. & E. Lawrence 94, 96, 97 151 Bedford: 16659, 16662, 16664, 16667, 16670, 16673, 16695 10, 20, 12796 Cent Lawrence 94, 95, 97 152 Philadelphia 191: 05,08‐10,22,23,25,33,34,71,72,75,82, 19255 Philadelphia County97 SW Lawrence 95, 96, 99 153 Philadelphia: 19121, 19132, 19140 Philadelphia County

98 Cent Beaver 97, 99, 100

Note: When an entire county is listed as the complement, the data used excludes the zone being analyzed

PENNSYLVANIA PRIVATE PASSENGER AUTOSelected Geographical Complements

Exhibit C-1Page 60

PA Auto 6/1/18 ‐ Proposed RPE Changes

RPE Region C

Coverage Impact of Trad on Rate Lock Proposed Rate Lock Change Change to Cluster Factors

Liab 0.11% ‐3.2% ‐3.3%

Other ‐1.4% ‐0.9% 0.5%

Comp ‐1.5% 4.8% 6.4%

Coll ‐4.9% ‐1.9% 3.1%

TOTAL ‐1.7% ‐1.5%

RPE Region D


Liab 0.52% ‐3.0% ‐3.5%

Other 1.3% ‐2.5% ‐3.8%

Comp ‐1.9% 4.1% 6.1%

Coll ‐1.8% ‐1.5% 0.3%

TOTAL ‐0.5% ‐1.0%

RPE Region E


Liab 0.61% ‐2.8% ‐3.4%

Other ‐0.6% ‐0.3% 0.3%

Comp ‐1.5% 4.8% 6.4%

Coll ‐3.2% ‐1.3% 2.0%

TOTAL ‐0.9% ‐0.9%

RPE Region F


Liab 0.50% ‐3.3% ‐3.8%

Other ‐0.8% ‐1.0% ‐0.2%

Comp ‐0.3% 4.6% 4.9%

Coll ‐3.1% ‐1.6% 1.5%

TOTAL ‐0.9% ‐1.2%

RPE Region F


Liab 1.46% 3.3% 1.8%

Other 1.7% 7.2% 5.4%

Comp 0.7% 10.0% 9.2%

Coll 0.0% 4.5% 4.5%

TOTAL 1.0% 5.0%

RPE Region H


Liab 0.45% 1.0% 0.6%

Other 0.1% 3.5% 3.3%

Comp 0.5% 10.0% 9.4%

Coll ‐3.9% 2.2% 6.4%

TOTAL ‐0.9% 2.5%

Total


Liab 0.5% ‐2.5% ‐3.0%

Other ‐0.3% ‐0.1% 0.2%

Comp ‐1.1% 4.9% 6.0%

Coll ‐3.0% ‐1.0% 2.1%

TOTAL ‐0.8% ‐0.6%

\\erieinsurance.com\HO\actuarial\DATA\PERSONAL\AUTO\PA\20180601\Analysis\RPE\Impact of Trad and new cluster def on Rate Lock FINAL.xlsx Exhibit C-2 Page 1

Region C Region D Region E Region F Region G Region H Region C Region D Region E Region F Region G Region H

1 0.816384 0.748449 0.807835 0.759024 0.880872 0.855227 1 0.898602 0.765566 0.813230 0.784536 0.989257 0.973529

2 0.816384 0.748449 0.807835 0.759024 0.880872 0.855227 2 0.929823 0.792164 0.841483 0.811794 1.023628 1.007353

3 0.816384 0.748449 0.807835 0.759024 0.880872 0.855227 3 0.961044 0.818764 0.869739 0.839053 1.057998 1.041176

4 0.816384 0.748449 0.807835 0.759024 0.880872 0.855227 4 0.992263 0.845362 0.897993 0.866309 1.092367 1.074999

5 0.816384 0.748449 0.807835 0.759024 0.880872 0.855227 5 1.023486 0.871962 0.926248 0.893568 1.126739 1.108825

6 0.828871 0.759898 0.820192 0.770633 0.894345 0.868307 6 1.054707 0.898560 0.954503 0.920827 1.161111 1.142650

7 0.852886 0.781916 0.843957 0.792962 0.920258 0.893465 7 1.085927 0.925158 0.982758 0.948083 1.195480 1.176472

8 0.876905 0.803933 0.867723 0.815291 0.946173 0.918626 8 1.117148 0.951759 1.011012 0.975342 1.229851 1.210297

9 0.900921 0.825952 0.891489 0.837622 0.972086 0.943785 9 1.148370 0.978357 1.039269 1.002601 1.264223 1.244122

10 0.924938 0.847971 0.915254 0.859951 0.998001 0.968945 10 1.179590 1.004956 1.067522 1.029857 1.298593 1.277946

11 0.948955 0.869988 0.939019 0.882280 1.023915 0.994105 11 1.210812 1.031555 1.095777 1.057116 1.332964 1.311771

12 0.972972 0.892007 0.962784 0.904609 1.049829 1.019265 12 1.242032 1.058152 1.124032 1.084373 1.367333 1.345593

13 0.996990 0.914026 0.986550 0.926940 1.075744 1.044425 13 1.273252 1.084753 1.152287 1.111631 1.401704 1.379417

14 1.021007 0.936045 1.010315 0.949270 1.101658 1.069585 14 1.304475 1.111351 1.180543 1.138891 1.436076 1.413243

15 1.045023 0.958063 1.034081 0.971598 1.127571 1.094744 15 1.335695 1.137950 1.208796 1.166146 1.470446 1.447067

16 1.069040 0.980081 1.057846 0.993928 1.153486 1.119903 16 1.366917 1.164550 1.237053 1.193405 1.504818 1.480892

17 1.093058 1.002101 1.081612 1.016258 1.179401 1.145064 17 1.398137 1.191146 1.265305 1.220663 1.539188 1.514716

18 1.117076 1.024119 1.105378 1.038588 1.205316 1.170224 18 1.537950 1.310262 1.391837 1.342729 1.693106 1.666186

19 1.141093 1.046138 1.129145 1.060917 1.231230 1.195384 19 1.845540 1.572313 1.670203 1.611274 2.031727 1.999424

20 1.165107 1.068155 1.152909 1.083247 1.257141 1.220541 20 2.399204 2.044009 2.171264 2.094658 2.641246 2.599252

21 1.189125 1.090173 1.176674 1.105576 1.283057 1.245702

22 1.213142 1.112192 1.20044 1.127905 1.308971 1.270862

23 1.23716 1.134211 1.224206 1.150235 1.334885 1.296022

24 1.261176 1.156229 1.24797 1.172564 1.360799 1.321181

25 1.285195 1.178248 1.271737 1.194895 1.386715 1.346343

26 1.466612 1.344571 1.451257 1.363567 1.582463 1.536392

27 1.551934 1.422792 1.535684 1.442892 1.674524 1.625772

28 1.637252 1.50101 1.620109 1.522217 1.766582 1.715150

29 1.722571 1.579229 1.704534 1.601541 1.858641 1.804529

30 1.807889 1.65745 1.78896 1.680865 1.950698 1.893905

31 1.98868 1.823196 1.967857 1.848952 2.145769 2.083298

32 2.386419 2.187837 2.36143 2.218746 2.574927 2.499961

Rate Protection Endorsement Factors - Current

Liability RPE Rating Factor Other RPE Rating FactorRPE Cluster

RPE Cluster

\\erieinsurance.com\HO\actuarial\DATA\PERSONAL\AUTO\PA\20180601\Analysis\RPE\Impact of Trad and new cluster def on Rate Lock FINAL.xlsx Exhibit C-2 Page 2


1 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 1 0.903259 0.736812 0.815683 0.782654 1.042553 1.006102

2 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 2 0.934642 0.762411 0.844021 0.809846 1.078775 1.041057

3 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 3 0.966025 0.788012 0.872362 0.837040 1.114997 1.076012

4 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 4 0.997405 0.813611 0.900701 0.864231 1.151218 1.110967

5 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 5 1.028790 0.839212 0.929042 0.891424 1.187441 1.145925

6 0.801471 0.733264 0.792418 0.741500 0.910576 0.873086 6 1.060173 0.864811 0.957382 0.918618 1.223665 1.180881

7 0.824692 0.754510 0.815378 0.762985 0.936960 0.898382 7 1.091555 0.890410 0.985722 0.945808 1.259886 1.215835

8 0.847917 0.775755 0.838340 0.784470 0.963345 0.923682 8 1.122938 0.916012 1.014061 0.973002 1.296108 1.250792

9 0.871139 0.797003 0.861301 0.805957 0.989728 0.948979 9 1.154322 0.941611 1.042403 1.000196 1.332332 1.285748

10 0.894362 0.818250 0.884261 0.827442 1.016114 0.974278 10 1.185703 0.967211 1.070742 1.027386 1.368554 1.320704

11 0.917585 0.839495 0.907221 0.848927 1.042498 0.999576 11 1.217087 0.992811 1.099082 1.054580 1.404777 1.355661

12 0.940808 0.860743 0.930182 0.870411 1.068882 1.024875 12 1.248469 1.018409 1.127422 1.081771 1.440997 1.390614

13 0.964032 0.881990 0.953143 0.891898 1.095268 1.050173 13 1.279851 1.044011 1.155762 1.108964 1.477220 1.425570

14 0.987255 0.903237 0.976103 0.913384 1.121652 1.075472 14 1.311236 1.069610 1.184104 1.136159 1.513444 1.460528

15 1.010477 0.924483 0.999064 0.934868 1.148035 1.100769 15 1.342617 1.095210 1.212442 1.163348 1.549665 1.495484

16 1.033700 0.945730 1.022025 0.956354 1.174421 1.126067 16 1.374001 1.120811 1.240784 1.190542 1.585889 1.530440

17 1.056924 0.966978 1.044986 0.977840 1.200806 1.151366 17 1.405383 1.146408 1.269121 1.217735 1.622111 1.565396

18 1.080148 0.988224 1.067947 0.999326 1.227191 1.176665 18 1.545921 1.261050 1.396035 1.339508 1.784321 1.721934

19 1.103372 1.009471 1.090909 1.020810 1.253576 1.201963 19 1.855105 1.513258 1.675240 1.607408 2.141185 2.066322

20 1.126592 1.030717 1.113868 1.042296 1.279957 1.227258 20 2.411638 1.967238 2.177813 2.089633 2.783541 2.686219

21 1.149816 1.051963 1.136829 1.063781 1.306343 1.252558

22 1.173039 1.073210 1.159790 1.085266 1.332727 1.277856

23 1.196263 1.094457 1.182751 1.106752 1.359112 1.303155

24 1.219485 1.115704 1.205710 1.128237 1.385496 1.328452

25 1.242710 1.136951 1.228673 1.149724 1.411882 1.353753

26 1.418130 1.297444 1.402114 1.312019 1.611183 1.544848

27 1.500631 1.372924 1.483682 1.388345 1.704915 1.634720

28 1.583129 1.448400 1.565248 1.464672 1.798644 1.724590

29 1.665627 1.523878 1.646814 1.540997 1.892373 1.814461

30 1.748125 1.599357 1.728381 1.617322 1.986101 1.904328

31 1.922940 1.759294 1.901220 1.779055 2.184712 2.094764

32 2.307530 2.111154 2.281466 2.134869 2.621659 2.513720

Rate Protection Endorsement Factors - Proposed

Liability RPE Rating Factor Other RPE Rating FactorRPE

ClusterRPE

Cluster

Exhibit C-2 Page 3


1 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 1 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

2 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 2 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

3 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 3 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

4 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 4 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

5 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 5 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

6 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 6 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

7 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 7 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

8 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 8 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

9 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 9 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

10 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 10 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

11 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 11 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

12 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 12 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

13 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 13 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

14 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 14 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

15 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 15 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

16 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 16 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

17 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 17 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%18 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 18 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

19 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 19 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

20 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6% 20 0.5% -3.8% 0.3% -0.2% 5.4% 3.3%

21 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

22 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

23 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

24 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

25 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

26 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

27 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

28 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

29 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

30 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

31 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

32 -3.3% -3.5% -3.4% -3.8% 1.8% 0.6%

Rate Protection Endorsement Factors - Proposed

RPE Cluster

Liability RPE Rating FactorRPE

Cluster

Other RPE Rating Factor

Exhibit C-2 Page 4

Current Cluster Definitions and Factors Proposed Cluster Definitions and Factors

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.151147 0.776899 1 0.075499 0.610541 46 0.490500 0.503499 0.850736

2 0.151148 0.21657 0.776899 2 0.075500 0.085499 0.610541 47 0.503500 0.515499 0.863902

3 0.216571 0.282007 0.776899 3 0.085500 0.093499 0.610541 48 0.515500 0.529499 0.877302

4 0.282008 0.346829 0.776899 4 0.093500 0.100499 0.610541 49 0.529500 0.542499 0.891117

5 0.34683 0.409935 0.776899 5 0.100500 0.107499 0.610541 50 0.542500 0.557499 0.905198

6 0.409936 0.471603 0.776899 6 0.107500 0.115499 0.610541 51 0.557500 0.571499 0.919513

7 0.471604 0.531507 0.781945 7 0.115500 0.122499 0.610541 52 0.571500 0.587499 0.934115

8 0.531508 0.5897 0.813105 8 0.122500 0.130499 0.610541 53 0.587500 0.603499 0.949270

9 0.589701 0.646989 0.844267 9 0.130500 0.137499 0.610541 54 0.603500 0.620499 0.964702

10 0.64699 0.704184 0.875428 10 0.137500 0.145499 0.610541 55 0.620500 0.638499 0.980484

11 0.704185 0.7616 0.906590 11 0.145500 0.153499 0.610541 56 0.638500 0.656499 0.996437

12 0.761601 0.818543 0.937751 12 0.153500 0.160499 0.610541 57 0.656500 0.675499 1.012326

13 0.818544 0.874168 0.968913 13 0.160500 0.169499 0.610541 58 0.675500 0.696499 1.029097

14 0.874169 0.928138 1.000074 14 0.169500 0.176499 0.610541 59 0.696500 0.717499 1.045986

15 0.928139 0.980384 1.031236 15 0.176500 0.185499 0.610541 60 0.717500 0.740499 1.063385

16 0.980385 1.031235 1.062396 16 0.185500 0.192499 0.610541 61 0.740500 0.763499 1.080805

17 1.031236 1.081058 1.093557 17 0.192500 0.201499 0.610541 62 0.763500 0.789499 1.098609

18 1.081059 1.130537 1.124720 18 0.201500 0.209499 0.610541 63 0.789500 0.815499 1.116954

19 1.130538 1.180381 1.155880 19 0.209500 0.218499 0.610541 64 0.815500 0.844499 1.135481

20 1.180382 1.230668 1.187043 20 0.218500 0.226499 0.610541 65 0.844500 0.872499 1.154113

21 1.230669 1.281014 1.218203 21 0.226500 0.236499 0.610541 66 0.872500 0.905499 1.173342

22 1.281015 1.330875 1.249365 22 0.236500 0.244499 0.610541 67 0.905500 0.935499 1.192687

23 1.330876 1.380375 1.280527 23 0.244500 0.254499 0.610541 68 0.935500 0.972499 1.212585

24 1.380376 1.430195 1.311687 24 0.254500 0.263499 0.610541 69 0.972500 1.003499 1.232494

25 1.430196 1.481466 1.342849 25 0.263500 0.273499 0.610541 70 1.003500 1.042499 1.253031

26 1.481467 1.535474 1.374011 26 0.273500 0.282499 0.610541 71 1.042500 1.075499 1.273897

27 1.535475 1.592813 1.405173 27 0.282500 0.293499 0.611647 72 1.075500 1.116499 1.295369

28 1.592814 1.652766 1.436333 28 0.293500 0.302499 0.623559 73 1.116500 1.151499 1.317341

29 1.652767 1.713335 1.467496 29 0.302500 0.313499 0.635502 74 1.151500 1.196499 1.340249

30 1.713336 1.773672 1.498656 30 0.313500 0.323499 0.648052 75 1.196500 1.235499 1.364221

31 1.773673 1.834724 1.529817 31 0.323500 0.334499 0.660388 76 1.235500 1.284499 1.388863

32 1.834725 1.898504 1.560979 32 0.334500 0.344499 0.672799 77 1.284500 1.329499 1.414483

33 1.898505 1.969822 1.592140 33 0.344500 0.355499 0.685274 78 1.329500 1.389499 1.442549

34 1.969823 2.059368 1.623301 34 0.355500 0.365499 0.697601 79 1.389500 1.442499 1.471785

35 2.059369 2.190899 1.654463 35 0.365500 0.377499 0.710395 80 1.442500 1.512499 1.501510

36 2.1909 2.418328 1.737187 36 0.377500 0.387499 0.723210 81 1.512500 1.572499 1.531863

37 2.418329 3.48123 1.824046 37 0.387500 0.399499 0.735908 82 1.572500 1.662499 1.562555

38 3.481231 2.006450 38 0.399500 0.409499 0.748585 83 1.662500 1.740499 1.593653

39 0.409500 0.421499 0.761135 84 1.740500 1.893499 1.625058

40 0.421500 0.432499 0.774014 85 1.893500 2.200499 1.657251

41 0.432500 0.444499 0.787095 86 2.200500 2.507499 1.684051

42 0.444500 0.456499 0.800432 87 2.507500 2.802499 1.702450

43 0.456500 0.467499 0.813066 88 2.802500 3.095499 1.708927

44 0.467500 0.478499 0.825020 89 3.095500 3.500499 1.709129

45 0.478500 0.490499 0.837474 90 3.500500 1.709129


RPE Region C Cluster Definition Changes ‐ Comprehensive

[Path]RPE COMP cluster decode and factors.xlsmExhibit C-2

Page 5


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.151147 0.763987 1 0.075499 0.598060 46 0.4905 0.503499 0.887403

2 0.151148 0.21657 0.763987 2 0.0755 0.085499 0.598060 47 0.5035 0.515499 0.901132

3 0.216571 0.282007 0.763987 3 0.0855 0.093499 0.598060 48 0.5155 0.529499 0.915117

4 0.282008 0.346829 0.763987 4 0.0935 0.100499 0.598060 49 0.5295 0.542499 0.929515

5 0.34683 0.409935 0.763987 5 0.1005 0.107499 0.598060 50 0.5425 0.557499 0.944210

6 0.409936 0.471603 0.763987 6 0.1075 0.115499 0.598060 51 0.5575 0.571499 0.959139

7 0.471604 0.531507 0.768947 7 0.1155 0.122499 0.598060 52 0.5715 0.587499 0.974375

8 0.531508 0.5897 0.799590 8 0.1225 0.130499 0.598060 53 0.5875 0.603499 0.990185

9 0.589701 0.646989 0.830236 9 0.1305 0.137499 0.598060 54 0.6035 0.620499 1.006281

10 0.64699 0.704184 0.860878 10 0.1375 0.145499 0.598060 55 0.6205 0.638499 1.022748

11 0.704185 0.7616 0.891522 11 0.1455 0.153499 0.598060 56 0.6385 0.656499 1.039385

12 0.761601 0.818543 0.922166 12 0.1535 0.160499 0.598060 57 0.6565 0.675499 1.055958

13 0.818544 0.874168 0.952808 13 0.1605 0.169499 0.598060 58 0.6755 0.696499 1.073454

14 0.874169 0.928138 0.983452 14 0.1695 0.176499 0.598060 59 0.6965 0.717499 1.091067

15 0.928139 0.980384 1.014095 15 0.1765 0.185499 0.598060 60 0.7175 0.740499 1.109222

16 0.980385 1.031235 1.044738 16 0.1855 0.192499 0.598060 61 0.7405 0.763499 1.127386

17 1.031236 1.081058 1.075382 17 0.1925 0.201499 0.598060 62 0.7635 0.789499 1.145954

18 1.081059 1.130537 1.106026 18 0.2015 0.209499 0.598060 63 0.7895 0.815499 1.165095

19 1.130538 1.180381 1.136670 19 0.2095 0.218499 0.598060 64 0.8155 0.844499 1.184427

20 1.180382 1.230668 1.167313 20 0.2185 0.226499 0.598060 65 0.8445 0.872499 1.203855

21 1.230669 1.281014 1.197956 21 0.2265 0.236499 0.598060 66 0.8725 0.905499 1.223908

22 1.281015 1.330875 1.228600 22 0.2365 0.244499 0.598060 67 0.9055 0.935499 1.244100

23 1.330876 1.380375 1.259242 23 0.2445 0.254499 0.598060 68 0.9355 0.972499 1.264864

24 1.380376 1.430195 1.289887 24 0.2545 0.263499 0.601869 69 0.9725 1.003499 1.285607

25 1.430196 1.481466 1.320528 25 0.2635 0.273499 0.613742 70 1.0035 1.042499 1.307051

26 1.481467 1.535474 1.351173 26 0.2735 0.282499 0.625647 71 1.0425 1.075499 1.328802

27 1.535475 1.592813 1.381818 27 0.2825 0.293499 0.638018 72 1.0755 1.116499 1.351211

28 1.592814 1.652766 1.412460 28 0.2935 0.302499 0.650432 73 1.1165 1.151499 1.374118

29 1.652767 1.713335 1.443105 29 0.3025 0.313499 0.662889 74 1.1515 1.196499 1.398023

30 1.713336 1.773672 1.473747 30 0.3135 0.323499 0.675982 75 1.1965 1.235499 1.423021

31 1.773673 1.834724 1.504390 31 0.3235 0.334499 0.688842 76 1.2355 1.284499 1.448730

32 1.834725 1.898504 1.535034 32 0.3345 0.344499 0.701797 77 1.2845 1.329499 1.475457

33 1.898505 1.969822 1.565678 33 0.3445 0.355499 0.714816 78 1.3295 1.389499 1.504731

34 1.969823 2.059368 1.596320 34 0.3555 0.365499 0.727665 79 1.3895 1.442499 1.535204

35 2.059369 2.190899 1.626963 35 0.3655 0.377499 0.741023 80 1.4425 1.512499 1.566228

36 2.1909 2.418328 1.708313 36 0.3775 0.387499 0.754392 81 1.5125 1.572499 1.597889

37 2.418329 3.48123 1.793728 37 0.3875 0.399499 0.767623 82 1.5725 1.662499 1.629911

38 3.481231 1.973100 38 0.3995 0.409499 0.780865 83 1.6625 1.740499 1.662336

39 0.4095 0.421499 0.793947 84 1.7405 1.893499 1.695090

40 0.4215 0.432499 0.807380 85 1.8935 2.200499 1.728672

41 0.4325 0.444499 0.821014 86 2.2005 2.507499 1.756630

42 0.4445 0.456499 0.834924 87 2.5075 2.802499 1.775824

43 0.4565 0.467499 0.848113 88 2.8025 3.095499 1.782593

44 0.4675 0.478499 0.860580 89 3.0955 3.500499 1.782806

45 0.4785 0.490499 0.873578 90 3.5005 1.782806


Region D RPE Cluster Changes ‐ Comprehensive


Page 6


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.151147 0.724238 1 0.075499 0.570487 46 0.4905 0.503499 0.791285

2 0.151148 0.21657 0.724238 2 0.0755 0.085499 0.570487 47 0.5035 0.515499 0.803524

3 0.216571 0.282007 0.724238 3 0.0855 0.093499 0.570487 48 0.5155 0.529499 0.815997

4 0.282008 0.346829 0.724238 4 0.0935 0.100499 0.570487 49 0.5295 0.542499 0.828842

5 0.34683 0.409935 0.724238 5 0.1005 0.107499 0.570487 50 0.5425 0.557499 0.841943

6 0.409936 0.471603 0.724238 6 0.1075 0.115499 0.570487 51 0.5575 0.571499 0.855246

7 0.471604 0.531507 0.728941 7 0.1155 0.122499 0.570487 52 0.5715 0.587499 0.868836

8 0.531508 0.5897 0.757990 8 0.1225 0.130499 0.570487 53 0.5875 0.603499 0.882927

9 0.589701 0.646989 0.787039 9 0.1305 0.137499 0.570487 54 0.6035 0.620499 0.897294

10 0.64699 0.704184 0.816089 10 0.1375 0.145499 0.570487 55 0.6205 0.638499 0.911970

11 0.704185 0.7616 0.845138 11 0.1455 0.153499 0.570487 56 0.6385 0.656499 0.926806

12 0.761601 0.818543 0.874186 12 0.1535 0.160499 0.570487 57 0.6565 0.675499 0.941588

13 0.818544 0.874168 0.903237 13 0.1605 0.169499 0.570487 58 0.6755 0.696499 0.957179

14 0.874169 0.928138 0.932286 14 0.1695 0.176499 0.570487 59 0.6965 0.717499 0.972898

15 0.928139 0.980384 0.961335 15 0.1765 0.185499 0.570487 60 0.7175 0.740499 0.989074

16 0.980385 1.031235 0.990383 16 0.1855 0.192499 0.570487 61 0.7405 0.763499 1.005283

17 1.031236 1.081058 1.019432 17 0.1925 0.201499 0.570487 62 0.7635 0.789499 1.021832

18 1.081059 1.130537 1.048482 18 0.2015 0.209499 0.570487 63 0.7895 0.815499 1.038902

19 1.130538 1.180381 1.077531 19 0.2095 0.218499 0.570487 64 0.8155 0.844499 1.056132

20 1.180382 1.230668 1.106581 20 0.2185 0.226499 0.570487 65 0.8445 0.872499 1.073458

21 1.230669 1.281014 1.135628 21 0.2265 0.236499 0.570487 66 0.8725 0.905499 1.091337

22 1.281015 1.330875 1.164679 22 0.2365 0.244499 0.570487 67 0.9055 0.935499 1.109344

23 1.330876 1.380375 1.193727 23 0.2445 0.254499 0.570487 68 0.9355 0.972499 1.127862

24 1.380376 1.430195 1.222778 24 0.2545 0.263499 0.570487 69 0.9725 1.003499 1.146359

25 1.430196 1.481466 1.251826 25 0.2635 0.273499 0.570487 70 1.0035 1.042499 1.165472

26 1.481467 1.535474 1.280876 26 0.2735 0.282499 0.570487 71 1.0425 1.075499 1.184874

27 1.535475 1.592813 1.309924 27 0.2825 0.293499 0.570487 72 1.0755 1.116499 1.204860

28 1.592814 1.652766 1.338973 28 0.2935 0.302499 0.579980 73 1.1165 1.151499 1.225283

29 1.652767 1.713335 1.368023 29 0.3025 0.313499 0.591091 74 1.1515 1.196499 1.246589

30 1.713336 1.773672 1.397071 30 0.3135 0.323499 0.602776 75 1.1965 1.235499 1.268885

31 1.773673 1.834724 1.426122 31 0.3235 0.334499 0.614238 76 1.2355 1.284499 1.291809

32 1.834725 1.898504 1.455170 32 0.3345 0.344499 0.625785 77 1.2845 1.329499 1.315637

33 1.898505 1.969822 1.484220 33 0.3445 0.355499 0.637385 78 1.3295 1.389499 1.341743

34 1.969823 2.059368 1.513268 34 0.3555 0.365499 0.648836 79 1.3895 1.442499 1.368924

35 2.059369 2.190899 1.542317 35 0.3655 0.377499 0.660756 80 1.4425 1.512499 1.396583

36 2.1909 2.418328 1.619433 36 0.3775 0.387499 0.672675 81 1.5125 1.572499 1.424807

37 2.418329 3.48123 1.700404 37 0.3875 0.399499 0.684488 82 1.5725 1.662499 1.453361

38 3.481231 1.870447 38 0.3995 0.409499 0.696280 83 1.6625 1.740499 1.482276

39 0.4095 0.421499 0.707944 84 1.7405 1.893499 1.511500

40 0.4215 0.432499 0.719928 85 1.8935 2.200499 1.541437

41 0.4325 0.444499 0.732092 86 2.2005 2.507499 1.566362

42 0.4445 0.456499 0.744490 87 2.5075 2.802499 1.583475

43 0.4565 0.467499 0.756250 88 2.8025 3.095499 1.589509

44 0.4675 0.478499 0.767361 89 3.0955 3.500499 1.589690

45 0.4785 0.490499 0.778950 90 3.5005 1.589690


Region E RPE Cluster Changes ‐ Comprehensive


Page 7


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.151147 0.739231 1 0.075499 0.571655 46 0.4905 0.503499 0.813388

2 0.151148 0.21657 0.739231 2 0.0755 0.085499 0.571655 47 0.5035 0.515499 0.825961

3 0.216571 0.282007 0.739231 3 0.0855 0.093499 0.571655 48 0.5155 0.529499 0.838786

4 0.282008 0.346829 0.739231 4 0.0935 0.100499 0.571655 49 0.5295 0.542499 0.851988

5 0.34683 0.409935 0.739231 5 0.1005 0.107499 0.571655 50 0.5425 0.557499 0.865453

6 0.409936 0.471603 0.739231 6 0.1075 0.115499 0.571655 51 0.5575 0.571499 0.879138

7 0.471604 0.531507 0.744030 7 0.1155 0.122499 0.571655 52 0.5715 0.587499 0.893105

8 0.531508 0.5897 0.773680 8 0.1225 0.130499 0.571655 53 0.5875 0.603499 0.907587

9 0.589701 0.646989 0.803333 9 0.1305 0.137499 0.571655 54 0.6035 0.620499 0.922341

10 0.64699 0.704184 0.832983 10 0.1375 0.145499 0.571655 55 0.6205 0.638499 0.937431

11 0.704185 0.7616 0.862634 11 0.1455 0.153499 0.571655 56 0.6385 0.656499 0.952689

12 0.761601 0.818543 0.892283 12 0.1535 0.160499 0.571655 57 0.6565 0.675499 0.967873

13 0.818544 0.874168 0.921933 13 0.1605 0.169499 0.571655 58 0.6755 0.696499 0.983907

14 0.874169 0.928138 0.951584 14 0.1695 0.176499 0.571655 59 0.6965 0.717499 1.000056

15 0.928139 0.980384 0.981235 15 0.1765 0.185499 0.571655 60 0.7175 0.740499 1.016698

16 0.980385 1.031235 1.010884 16 0.1855 0.192499 0.571655 61 0.7405 0.763499 1.033361

17 1.031236 1.081058 1.040534 17 0.1925 0.201499 0.571655 62 0.7635 0.789499 1.050370

18 1.081059 1.130537 1.070185 18 0.2015 0.209499 0.571655 63 0.7895 0.815499 1.067914

19 1.130538 1.180381 1.099836 19 0.2095 0.218499 0.571655 64 0.8155 0.844499 1.085636

20 1.180382 1.230668 1.129487 20 0.2185 0.226499 0.571655 65 0.8445 0.872499 1.103442

21 1.230669 1.281014 1.159138 21 0.2265 0.236499 0.571655 66 0.8725 0.905499 1.121824

22 1.281015 1.330875 1.188789 22 0.2365 0.244499 0.571655 67 0.9055 0.935499 1.140333

23 1.330876 1.380375 1.218438 23 0.2445 0.254499 0.571655 68 0.9355 0.972499 1.159344

24 1.380376 1.430195 1.248090 24 0.2545 0.263499 0.571655 69 0.9725 1.003499 1.178377

25 1.430196 1.481466 1.277740 25 0.2635 0.273499 0.571655 70 1.0035 1.042499 1.198018

26 1.481467 1.535474 1.307390 26 0.2735 0.282499 0.573459 71 1.0425 1.075499 1.217963

27 1.535475 1.592813 1.337040 27 0.2825 0.293499 0.584795 72 1.0755 1.116499 1.238506

28 1.592814 1.652766 1.366691 28 0.2935 0.302499 0.596183 73 1.1165 1.151499 1.259500

29 1.652767 1.713335 1.396341 29 0.3025 0.313499 0.607592 74 1.1515 1.196499 1.281406

30 1.713336 1.773672 1.425992 30 0.3135 0.323499 0.619599 75 1.1965 1.235499 1.304319

31 1.773673 1.834724 1.455642 31 0.3235 0.334499 0.631386 76 1.2355 1.284499 1.327882

32 1.834725 1.898504 1.485292 32 0.3345 0.344499 0.643267 77 1.2845 1.329499 1.352378

33 1.898505 1.969822 1.514943 33 0.3445 0.355499 0.655190 78 1.3295 1.389499 1.379213

34 1.969823 2.059368 1.544593 34 0.3555 0.365499 0.666966 79 1.3895 1.442499 1.407159

35 2.059369 2.190899 1.574245 35 0.3655 0.377499 0.679204 80 1.4425 1.512499 1.435588

36 2.1909 2.418328 1.652957 36 0.3775 0.387499 0.691462 81 1.5125 1.572499 1.464603

37 2.418329 3.48123 1.735605 37 0.3875 0.399499 0.703595 82 1.5725 1.662499 1.493944

38 3.481231 1.909165 38 0.3995 0.409499 0.715718 83 1.6625 1.740499 1.523673

39 0.4095 0.421499 0.727724 84 1.7405 1.893499 1.553706

40 0.4215 0.432499 0.740035 85 1.8935 2.200499 1.584473

41 0.4325 0.444499 0.752535 86 2.2005 2.507499 1.610102

42 0.4445 0.456499 0.765276 87 2.5075 2.802499 1.627698

43 0.4565 0.467499 0.777367 88 2.8025 3.095499 1.633896

44 0.4675 0.478499 0.788797 89 3.0955 3.500499 1.634085

45 0.4785 0.490499 0.800699 90 3.5005 1.634085


Region F RPE Cluster Changes ‐ Comprehensive


Page 8


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.151147 0.801847 1 0.075499 0.647124 46 0.4905 0.503499 0.901705

2 0.151148 0.21657 0.801847 2 0.0755 0.085499 0.647124 47 0.5035 0.515499 0.915663

3 0.216571 0.282007 0.801847 3 0.0855 0.093499 0.647124 48 0.5155 0.529499 0.929872

4 0.282008 0.346829 0.801847 4 0.0935 0.100499 0.647124 49 0.5295 0.542499 0.944507

5 0.34683 0.409935 0.801847 5 0.1005 0.107499 0.647124 50 0.5425 0.557499 0.959436

6 0.409936 0.471603 0.801847 6 0.1075 0.115499 0.647124 51 0.5575 0.571499 0.974606

7 0.471604 0.531507 0.807054 7 0.1155 0.122499 0.647124 52 0.5715 0.587499 0.990082

8 0.531508 0.5897 0.839215 8 0.1225 0.130499 0.647124 53 0.5875 0.603499 1.006148

9 0.589701 0.646989 0.871378 9 0.1305 0.137499 0.647124 54 0.6035 0.620499 1.022508

10 0.64699 0.704184 0.903539 10 0.1375 0.145499 0.647124 55 0.6205 0.638499 1.039229

11 0.704185 0.7616 0.935702 11 0.1455 0.153499 0.647124 56 0.6385 0.656499 1.056147

12 0.761601 0.818543 0.967864 12 0.1535 0.160499 0.647124 57 0.6565 0.675499 1.072977

13 0.818544 0.874168 1.000027 13 0.1605 0.169499 0.647124 58 0.6755 0.696499 1.090757

14 0.874169 0.928138 1.032188 14 0.1695 0.176499 0.647124 59 0.6965 0.717499 1.108657

15 0.928139 0.980384 1.064351 15 0.1765 0.185499 0.647124 60 0.7175 0.740499 1.127104

16 0.980385 1.031235 1.096511 16 0.1855 0.192499 0.647124 61 0.7405 0.763499 1.145561

17 1.031236 1.081058 1.128673 17 0.1925 0.201499 0.647124 62 0.7635 0.789499 1.164434

18 1.081059 1.130537 1.160837 18 0.2015 0.209499 0.647124 63 0.7895 0.815499 1.183885

19 1.130538 1.180381 1.192997 19 0.2095 0.218499 0.647124 64 0.8155 0.844499 1.203511

20 1.180382 1.230668 1.225161 20 0.2185 0.226499 0.647124 65 0.8445 0.872499 1.223268

21 1.230669 1.281014 1.257321 21 0.2265 0.236499 0.647124 66 0.8725 0.905499 1.243648

22 1.281015 1.330875 1.289485 22 0.2365 0.244499 0.647124 67 0.9055 0.935499 1.264148

23 1.330876 1.380375 1.321647 23 0.2445 0.254499 0.647124 68 0.9355 0.972499 1.285237

24 1.380376 1.430195 1.353808 24 0.2545 0.263499 0.647124 69 0.9725 1.003499 1.306338

25 1.430196 1.481466 1.385970 25 0.2635 0.273499 0.647124 70 1.0035 1.042499 1.328104

26 1.481467 1.535474 1.418133 26 0.2735 0.282499 0.647124 71 1.0425 1.075499 1.350231

27 1.535475 1.592813 1.450295 27 0.2825 0.293499 0.648292 72 1.0755 1.116499 1.372981

28 1.592814 1.652766 1.482456 28 0.2935 0.302499 0.660918 73 1.1165 1.151499 1.396276

29 1.652767 1.713335 1.514620 29 0.3025 0.313499 0.673576 74 1.1515 1.196499 1.420555

30 1.713336 1.773672 1.546780 30 0.3135 0.323499 0.686878 75 1.1965 1.235499 1.445959

31 1.773673 1.834724 1.578942 31 0.3235 0.334499 0.699962 76 1.2355 1.284499 1.472083

32 1.834725 1.898504 1.611105 32 0.3345 0.344499 0.713112 77 1.2845 1.329499 1.499234

33 1.898505 1.969822 1.643267 33 0.3445 0.355499 0.726338 78 1.3295 1.389499 1.528984

34 1.969823 2.059368 1.675428 34 0.3555 0.365499 0.739400 79 1.3895 1.442499 1.559969

35 2.059369 2.190899 1.707591 35 0.3655 0.377499 0.752964 80 1.4425 1.512499 1.591477

36 2.1909 2.418328 1.792971 36 0.3775 0.387499 0.766540 81 1.5125 1.572499 1.623652

37 2.418329 3.48123 1.882620 37 0.3875 0.399499 0.780006 82 1.5725 1.662499 1.656177

38 3.481231 2.070880 38 0.3995 0.409499 0.793440 83 1.6625 1.740499 1.689138

39 0.4095 0.421499 0.806742 84 1.7405 1.893499 1.722427

40 0.4215 0.432499 0.820394 85 1.8935 2.200499 1.756546

41 0.4325 0.444499 0.834254 86 2.2005 2.507499 1.784953

42 0.4445 0.456499 0.848397 87 2.5075 2.802499 1.804458

43 0.4565 0.467499 0.861787 88 2.8025 3.095499 1.811317

44 0.4675 0.478499 0.874456 89 3.0955 3.500499 1.811536

45 0.4785 0.490499 0.887649 90 3.5005 1.811536


Region G RPE Cluster Changes ‐ Comprehensive


Page 9


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.151147 0.792753 1 0.075499 0.628166 46 0.4905 0.503499 0.875294

2 0.151148 0.21657 0.792753 2 0.0755 0.085499 0.628166 47 0.5035 0.515499 0.888841

3 0.216571 0.282007 0.792753 3 0.0855 0.093499 0.628166 48 0.5155 0.529499 0.902628

4 0.282008 0.346829 0.792753 4 0.0935 0.100499 0.628166 49 0.5295 0.542499 0.916842

5 0.34683 0.409935 0.792753 5 0.1005 0.107499 0.628166 50 0.5425 0.557499 0.931329

6 0.409936 0.471603 0.792753 6 0.1075 0.115499 0.628166 51 0.5575 0.571499 0.946057

7 0.471604 0.531507 0.797901 7 0.1155 0.122499 0.628166 52 0.5715 0.587499 0.961081

8 0.531508 0.5897 0.829698 8 0.1225 0.130499 0.628166 53 0.5875 0.603499 0.976673

9 0.589701 0.646989 0.861496 9 0.1305 0.137499 0.628166 54 0.6035 0.620499 0.992550

10 0.64699 0.704184 0.893293 10 0.1375 0.145499 0.628166 55 0.6205 0.638499 1.008788

11 0.704185 0.7616 0.925091 11 0.1455 0.153499 0.628166 56 0.6385 0.656499 1.025202

12 0.761601 0.818543 0.956887 12 0.1535 0.160499 0.628166 57 0.6565 0.675499 1.041549

13 0.818544 0.874168 0.988686 13 0.1605 0.169499 0.628166 58 0.6755 0.696499 1.058805

14 0.874169 0.928138 1.020482 14 0.1695 0.176499 0.628166 59 0.6965 0.717499 1.076181

15 0.928139 0.980384 1.052280 15 0.1765 0.185499 0.628166 60 0.7175 0.740499 1.094082

16 0.980385 1.031235 1.084076 16 0.1855 0.192499 0.628166 61 0.7405 0.763499 1.112006

17 1.031236 1.081058 1.115873 17 0.1925 0.201499 0.628166 62 0.7635 0.789499 1.130323

18 1.081059 1.130537 1.147672 18 0.2015 0.209499 0.628166 63 0.7895 0.815499 1.149198

19 1.130538 1.180381 1.179468 19 0.2095 0.218499 0.628166 64 0.8155 0.844499 1.168259

20 1.180382 1.230668 1.211267 20 0.2185 0.226499 0.628166 65 0.8445 0.872499 1.187430

21 1.230669 1.281014 1.243062 21 0.2265 0.236499 0.628166 66 0.8725 0.905499 1.207213

22 1.281015 1.330875 1.274861 22 0.2365 0.244499 0.628166 67 0.9055 0.935499 1.227117

23 1.330876 1.380375 1.306658 23 0.2445 0.254499 0.628166 68 0.9355 0.972499 1.247590

24 1.380376 1.430195 1.338455 24 0.2545 0.263499 0.628166 69 0.9725 1.003499 1.268073

25 1.430196 1.481466 1.370252 25 0.2635 0.273499 0.628166 70 1.0035 1.042499 1.289203

26 1.481467 1.535474 1.402050 26 0.2735 0.282499 0.628166 71 1.0425 1.075499 1.310671

27 1.535475 1.592813 1.433848 27 0.2825 0.293499 0.629304 72 1.0755 1.116499 1.332763

28 1.592814 1.652766 1.465644 28 0.2935 0.302499 0.641559 73 1.1165 1.151499 1.355370

29 1.652767 1.713335 1.497443 29 0.3025 0.313499 0.653847 74 1.1515 1.196499 1.378939

30 1.713336 1.773672 1.529239 30 0.3135 0.323499 0.666759 75 1.1965 1.235499 1.403603

31 1.773673 1.834724 1.561036 31 0.3235 0.334499 0.679452 76 1.2355 1.284499 1.428956

32 1.834725 1.898504 1.592833 32 0.3345 0.344499 0.692221 77 1.2845 1.329499 1.455315

33 1.898505 1.969822 1.624631 33 0.3445 0.355499 0.705057 78 1.3295 1.389499 1.484191

34 1.969823 2.059368 1.656427 34 0.3555 0.365499 0.717739 79 1.3895 1.442499 1.514271

35 2.059369 2.190899 1.688225 35 0.3655 0.377499 0.730902 80 1.4425 1.512499 1.544855

36 2.1909 2.418328 1.772637 36 0.3775 0.387499 0.744087 81 1.5125 1.572499 1.576084

37 2.418329 3.48123 1.861269 37 0.3875 0.399499 0.757152 82 1.5725 1.662499 1.607663

38 3.481231 2.047395 38 0.3995 0.409499 0.770195 83 1.6625 1.740499 1.639657

39 0.4095 0.421499 0.783107 84 1.7405 1.893499 1.671969

40 0.4215 0.432499 0.796358 85 1.8935 2.200499 1.705091

41 0.4325 0.444499 0.809817 86 2.2005 2.507499 1.732665

42 0.4445 0.456499 0.823538 87 2.5075 2.802499 1.751595

43 0.4565 0.467499 0.836537 88 2.8025 3.095499 1.758259

44 0.4675 0.478499 0.848836 89 3.0955 3.500499 1.758467

45 0.4785 0.490499 0.861650 90 3.5005 1.758467


Region H RPE Cluster Changes ‐ Comprehensive


Page 10


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.148318 0.883857 1 0.022499 0.813507 43 0.576500 0.613499 1.060654

2 0.148319 0.222358 0.896604 2 0.022500 0.023499 0.813507 44 0.613500 0.647499 1.073853

3 0.222359 0.28528 0.909354 3 0.023500 0.025499 0.813507 45 0.647500 0.697499 1.090742

4 0.285281 0.33952 0.922102 4 0.025500 0.027499 0.813507 46 0.697500 0.731499 1.110045

5 0.339521 0.385397 0.934848 5 0.027500 0.029499 0.813507 47 0.731500 0.766499 1.127605

6 0.385398 0.42565 0.947597 6 0.029500 0.031499 0.813507 48 0.766500 0.792499 1.144381

7 0.425651 0.463328 0.960345 7 0.031500 0.033499 0.813507 49 0.792500 0.828499 1.162343

8 0.463329 0.500179 0.973093 8 0.033500 0.036499 0.813507 50 0.828500 0.851499 1.180593

9 0.50018 0.537347 0.985840 9 0.036500 0.040499 0.813507 51 0.851500 0.884499 1.198741

10 0.537348 0.57508 0.998588 10 0.040500 0.044499 0.813507 52 0.884500 0.905499 1.216899

11 0.575081 0.612923 1.011336 11 0.044500 0.049499 0.813507 53 0.905500 0.935499 1.234541

12 0.612924 0.650163 1.024085 12 0.049500 0.055499 0.813507 54 0.935500 0.960499 1.254308

13 0.650164 0.686204 1.036831 13 0.055500 0.061499 0.813507 55 0.960500 0.984499 1.272218

14 0.686205 0.721055 1.049579 14 0.061500 0.066499 0.813507 56 0.984500 1.012499 1.291490

15 0.721056 0.755118 1.062327 15 0.066500 0.071499 0.813507 57 1.012500 1.036499 1.311287

16 0.755119 0.788916 1.075075 16 0.071500 0.077499 0.813507 58 1.036500 1.067499 1.332373

17 0.788917 0.822866 1.087821 17 0.077500 0.084499 0.813507 59 1.067500 1.102499 1.357574

18 0.822867 0.857072 1.100570 18 0.084500 0.092499 0.813507 60 1.102500 1.129499 1.382063

19 0.857073 0.891434 1.113320 19 0.092500 0.102499 0.813507 61 1.129500 1.168499 1.407098

20 0.891435 0.925887 1.126067 20 0.102500 0.114499 0.813507 62 1.168500 1.196499 1.432845

21 0.925888 0.96067 1.138815 21 0.114500 0.126499 0.813507 63 1.196500 1.242499 1.459912

22 0.960671 0.99577 1.151562 22 0.126500 0.138499 0.813507 64 1.242500 1.269499 1.486793

23 0.995771 1.031093 1.164310 23 0.138500 0.150499 0.813507 65 1.269500 1.323499 1.513715

24 1.031094 1.066512 1.177058 24 0.150500 0.165499 0.821137 66 1.323500 1.356499 1.542205

25 1.066513 1.101954 1.189805 25 0.165500 0.177499 0.833552 67 1.356500 1.408499 1.567003

26 1.101955 1.137739 1.202552 26 0.177500 0.194499 0.846327 68 1.408500 1.456499 1.597689

27 1.13774 1.174035 1.215301 27 0.194500 0.210499 0.860484 69 1.456500 1.507499 1.627406

28 1.174036 1.210549 1.228049 28 0.210500 0.227499 0.873920 70 1.507500 1.558499 1.659463

29 1.21055 1.247245 1.290018 29 0.227500 0.244499 0.887283 71 1.558500 1.610499 1.691015

30 1.247246 1.284986 1.321554 30 0.244500 0.262499 0.900316 72 1.610500 1.661499 1.723330

31 1.284987 1.324897 1.353091 31 0.262500 0.282499 0.913607 73 1.661500 1.712499 1.754666

32 1.324898 1.367223 1.384627 32 0.282500 0.301499 0.926672 74 1.712500 1.765499 1.785310

33 1.367224 1.411243 1.416160 33 0.301500 0.327499 0.940664 75 1.765500 1.827499 1.818986

34 1.411244 1.45578 1.447697 34 0.327500 0.347499 0.954037 76 1.827500 1.891499 1.855818

35 1.455781 1.499802 1.479233 35 0.347500 0.375499 0.966978 77 1.891500 1.958499 1.891783

36 1.499803 1.543617 1.510768 36 0.375500 0.399499 0.979887 78 1.958500 2.045499 1.931708

37 1.543618 1.589404 1.542304 37 0.399500 0.422499 0.990786 79 2.045500 2.126499 1.970869

38 1.589405 1.641544 1.573839 38 0.422500 0.447499 1.001221 80 2.126500 2.230499 2.005566

39 1.641545 1.706805 1.605374 39 0.447500 0.472499 1.011398 81 2.230500 2.336499 2.039067

40 1.706806 1.798335 1.653535 40 0.472500 0.501499 1.021833 82 2.336500 2.500499 2.059225

41 1.798336 1.946873 1.752747 41 0.501500 0.533499 1.032979 83 2.500500 0.000000 2.079569

42 1.946874 2.441513 1.892967 42 0.533500 0.576499 1.046229

43 2.441514 2.176911


Region C RPE Cluster Changes ‐ Collision

[Path]RPE COL cluster decode and factors.xlsmExhibit C-2

Page 11


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.148318 0.890907 1 0.022499 0.796187 43 0.5765 0.613499 1.041332

2 0.148319 0.222358 0.903755 2 0.0225 0.023499 0.796187 44 0.6135 0.647499 1.054287

3 0.222359 0.28528 0.916607 3 0.0235 0.025499 0.796187 45 0.6475 0.697499 1.070861

4 0.285281 0.33952 0.929455 4 0.0255 0.027499 0.796187 46 0.6975 0.731499 1.089802

5 0.339521 0.385397 0.942304 5 0.0275 0.029499 0.796187 47 0.7315 0.766499 1.107048

6 0.385398 0.42565 0.955155 6 0.0295 0.031499 0.796187 48 0.7665 0.792499 1.123532

7 0.425651 0.463328 0.968003 7 0.0315 0.033499 0.796187 49 0.7925 0.828499 1.141159

8 0.463329 0.500179 0.980853 8 0.0335 0.036499 0.796187 50 0.8285 0.851499 1.159077

9 0.50018 0.537347 0.993704 9 0.0365 0.040499 0.796187 51 0.8515 0.884499 1.176894

10 0.537348 0.57508 1.006552 10 0.0405 0.044499 0.796187 52 0.8845 0.905499 1.194732

11 0.575081 0.612923 1.019402 11 0.0445 0.049499 0.796187 53 0.9055 0.935499 1.212038

12 0.612924 0.650163 1.032252 12 0.0495 0.055499 0.796187 54 0.9355 0.960499 1.231450

13 0.650164 0.686204 1.045101 13 0.0555 0.061499 0.796187 55 0.9605 0.984499 1.249037

14 0.686205 0.721055 1.057949 14 0.0615 0.066499 0.796187 56 0.9845 1.012499 1.267948

15 0.721056 0.755118 1.070801 15 0.0665 0.071499 0.796187 57 1.0125 1.036499 1.287390

16 0.755119 0.788916 1.083649 16 0.0715 0.077499 0.796187 58 1.0365 1.067499 1.308095

17 0.788917 0.822866 1.096497 17 0.0775 0.084499 0.796187 59 1.0675 1.102499 1.332831

18 0.822867 0.857072 1.109349 18 0.0845 0.092499 0.796187 60 1.1025 1.129499 1.356875

19 0.857073 0.891434 1.122197 19 0.0925 0.102499 0.796187 61 1.1295 1.168499 1.381451

20 0.891435 0.925887 1.135047 20 0.1025 0.114499 0.796187 62 1.1685 1.196499 1.406728

21 0.925888 0.96067 1.147898 21 0.1145 0.126499 0.796187 63 1.1965 1.242499 1.433309

22 0.960671 0.99577 1.160746 22 0.1265 0.138499 0.796187 64 1.2425 1.269499 1.459690

23 0.995771 1.031093 1.173597 23 0.1385 0.150499 0.796187 65 1.2695 1.323499 1.486130

24 1.031094 1.066512 1.186446 24 0.1505 0.165499 0.806174 66 1.3235 1.356499 1.514095

25 1.066513 1.101954 1.199294 25 0.1655 0.177499 0.818366 67 1.3565 1.408499 1.538450

26 1.101955 1.137739 1.212143 26 0.1775 0.194499 0.830900 68 1.4085 1.456499 1.568581

27 1.13774 1.174035 1.224994 27 0.1945 0.210499 0.844797 69 1.4565 1.507499 1.597749

28 1.174036 1.210549 1.237843 28 0.2105 0.227499 0.857992 70 1.5075 1.558499 1.629213

29 1.21055 1.247245 1.300307 29 0.2275 0.244499 0.871107 71 1.5585 1.610499 1.660196

30 1.247246 1.284986 1.332095 30 0.2445 0.262499 0.883912 72 1.6105 1.661499 1.691920

31 1.284987 1.324897 1.363883 31 0.2625 0.282499 0.896976 73 1.6615 1.712499 1.722682

32 1.324898 1.367223 1.395670 32 0.2825 0.301499 0.909781 74 1.7125 1.765499 1.752773

33 1.367224 1.411243 1.427456 33 0.3015 0.327499 0.923527 75 1.7655 1.827499 1.785831

34 1.411244 1.45578 1.459245 34 0.3275 0.347499 0.936652 76 1.8275 1.891499 1.821998

35 1.455781 1.499802 1.491032 35 0.3475 0.375499 0.949346 77 1.8915 1.958499 1.857312

36 1.499803 1.543617 1.522817 36 0.3755 0.399499 0.962030 78 1.9585 2.045499 1.896517

37 1.543618 1.589404 1.554604 37 0.3995 0.422499 0.972729 79 2.0455 2.126499 1.934950

38 1.589405 1.641544 1.586392 38 0.4225 0.447499 0.982976 80 2.1265 2.230499 1.969011

39 1.641545 1.706805 1.618179 39 0.4475 0.472499 0.992963 81 2.2305 2.336499 2.001898

40 1.706806 1.798335 1.666724 40 0.4725 0.501499 1.003210 82 2.3365 2.500499 2.021691

41 1.798336 1.946873 1.766726 41 0.5015 0.533499 1.014160 83 2.5005 2.041685

42 1.946874 2.441513 1.908063 42 0.5335 0.576499 1.027164

43 2.441514 2.194274


Region D RPE Cluster Changes ‐ Collision


Page 12


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.148318 0.868136 1 0.022499 0.789164 43 0.5765 0.613499 1.027916

2 0.148319 0.222358 0.880655 2 0.0225 0.023499 0.789164 44 0.6135 0.647499 1.040701

3 0.222359 0.28528 0.893178 3 0.0235 0.025499 0.789164 45 0.6475 0.697499 1.057075

4 0.285281 0.33952 0.905699 4 0.0255 0.027499 0.789164 46 0.6975 0.731499 1.075763

5 0.339521 0.385397 0.918219 5 0.0275 0.029499 0.789164 47 0.7315 0.766499 1.092779

6 0.385398 0.42565 0.930741 6 0.0295 0.031499 0.789164 48 0.7665 0.792499 1.109050

7 0.425651 0.463328 0.943261 7 0.0315 0.033499 0.789164 49 0.7925 0.828499 1.126454

8 0.463329 0.500179 0.955783 8 0.0335 0.036499 0.789164 50 0.8285 0.851499 1.144142

9 0.50018 0.537347 0.968305 9 0.0365 0.040499 0.789164 51 0.8515 0.884499 1.161739

10 0.537348 0.57508 0.980824 10 0.0405 0.044499 0.789164 52 0.8845 0.905499 1.179336

11 0.575081 0.612923 0.993346 11 0.0445 0.049499 0.789164 53 0.9055 0.935499 1.196424

12 0.612924 0.650163 1.005867 12 0.0495 0.055499 0.789164 54 0.9355 0.960499 1.215581

13 0.650164 0.686204 1.018388 13 0.0555 0.061499 0.789164 55 0.9605 0.984499 1.232943

14 0.686205 0.721055 1.030909 14 0.0615 0.066499 0.789164 56 0.9845 1.012499 1.251621

15 0.721056 0.755118 1.043430 15 0.0665 0.071499 0.789164 57 1.0125 1.036499 1.270808

16 0.755119 0.788916 1.055951 16 0.0715 0.077499 0.789164 58 1.0365 1.067499 1.291250

17 0.788917 0.822866 1.068471 17 0.0775 0.084499 0.789164 59 1.0675 1.102499 1.315657

18 0.822867 0.857072 1.080994 18 0.0845 0.092499 0.789164 60 1.1025 1.129499 1.339392

19 0.857073 0.891434 1.093515 19 0.0925 0.102499 0.789164 61 1.1295 1.168499 1.363657

20 0.891435 0.925887 1.106035 20 0.1025 0.114499 0.789164 62 1.1685 1.196499 1.388614

21 0.925888 0.96067 1.118556 21 0.1145 0.126499 0.789164 63 1.1965 1.242499 1.414847

22 0.960671 0.99577 1.131077 22 0.1265 0.138499 0.789164 64 1.2425 1.269499 1.440896

23 0.995771 1.031093 1.143600 23 0.1385 0.150499 0.789164 65 1.2695 1.323499 1.466985

24 1.031094 1.066512 1.156121 24 0.1505 0.165499 0.795781 66 1.3235 1.356499 1.494594

25 1.066513 1.101954 1.168641 25 0.1655 0.177499 0.807811 67 1.3565 1.408499 1.518624

26 1.101955 1.137739 1.181161 26 0.1775 0.194499 0.820208 68 1.4085 1.456499 1.548374

27 1.13774 1.174035 1.193684 27 0.1945 0.210499 0.833911 69 1.4565 1.507499 1.577166

28 1.174036 1.210549 1.206205 28 0.2105 0.227499 0.846940 70 1.5075 1.558499 1.608220

29 1.21055 1.247245 1.267072 29 0.2275 0.244499 0.859888 71 1.5585 1.610499 1.638816

30 1.247246 1.284986 1.298046 30 0.2445 0.262499 0.872520 72 1.6105 1.661499 1.670126

31 1.284987 1.324897 1.329023 31 0.2625 0.282499 0.885407 73 1.6615 1.712499 1.700498

32 1.324898 1.367223 1.359997 32 0.2825 0.301499 0.898059 74 1.7125 1.765499 1.730186

33 1.367224 1.411243 1.390970 33 0.3015 0.327499 0.911629 75 1.7655 1.827499 1.762821

34 1.411244 1.45578 1.421945 34 0.3275 0.347499 0.924598 76 1.8275 1.891499 1.798525

35 1.455781 1.499802 1.452921 35 0.3475 0.375499 0.937128 77 1.8915 1.958499 1.833383

36 1.499803 1.543617 1.483894 36 0.3755 0.399499 0.949637 78 1.9585 2.045499 1.872084

37 1.543618 1.589404 1.514869 37 0.3995 0.422499 0.960200 79 2.0455 2.126499 1.910031

38 1.589405 1.641544 1.545844 38 0.4225 0.447499 0.970313 80 2.1265 2.230499 1.943655

39 1.641545 1.706805 1.576818 39 0.4475 0.472499 0.980172 81 2.2305 2.336499 1.976106

40 1.706806 1.798335 1.624122 40 0.4725 0.501499 0.990286 82 2.3365 2.500499 1.995650

41 1.798336 1.946873 1.721569 41 0.5015 0.533499 1.001083 83 2.5005 2.015378

42 1.946874 2.441513 1.859295 42 0.5335 0.576499 1.013929

43 2.441514 2.138190


Region E RPE Cluster Changes ‐ Collision


Page 13


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.148318 0.888452 1 0.022499 0.804215 43 0.5765 0.613499 1.046606

2 0.148319 0.222358 0.901264 2 0.0225 0.023499 0.804215 44 0.6135 0.647499 1.059624

3 0.222359 0.28528 0.914080 3 0.0235 0.025499 0.804215 45 0.6475 0.697499 1.076298

4 0.285281 0.33952 0.926895 4 0.0255 0.027499 0.804215 46 0.6975 0.731499 1.095327

5 0.339521 0.385397 0.939708 5 0.0275 0.029499 0.804215 47 0.7315 0.766499 1.112651

6 0.385398 0.42565 0.952522 6 0.0295 0.031499 0.804215 48 0.7665 0.792499 1.129224

7 0.425651 0.463328 0.965337 7 0.0315 0.033499 0.804215 49 0.7925 0.828499 1.146933

8 0.463329 0.500179 0.978150 8 0.0335 0.036499 0.804215 50 0.8285 0.851499 1.164948

9 0.50018 0.537347 0.990966 9 0.0365 0.040499 0.804215 51 0.8515 0.884499 1.182860

10 0.537348 0.57508 1.003778 10 0.0405 0.044499 0.804215 52 0.8845 0.905499 1.200773

11 0.575081 0.612923 1.016591 11 0.0445 0.049499 0.804215 53 0.9055 0.935499 1.218178

12 0.612924 0.650163 1.029407 12 0.0495 0.055499 0.804215 54 0.9355 0.960499 1.237695

13 0.650164 0.686204 1.042221 13 0.0555 0.061499 0.804215 55 0.9605 0.984499 1.255364

14 0.686205 0.721055 1.055035 14 0.0615 0.066499 0.804215 56 0.9845 1.012499 1.274374

15 0.721056 0.755118 1.067849 15 0.0665 0.071499 0.804215 57 1.0125 1.036499 1.293911

16 0.755119 0.788916 1.080663 16 0.0715 0.077499 0.804215 58 1.0365 1.067499 1.314728

17 0.788917 0.822866 1.093476 17 0.0775 0.084499 0.804215 59 1.0675 1.102499 1.339576

18 0.822867 0.857072 1.106292 18 0.0845 0.092499 0.804215 60 1.1025 1.129499 1.363755

19 0.857073 0.891434 1.119107 19 0.0925 0.102499 0.804215 61 1.1295 1.168499 1.388451

20 0.891435 0.925887 1.131919 20 0.1025 0.114499 0.804215 62 1.1685 1.196499 1.413868

21 0.925888 0.96067 1.144733 21 0.1145 0.126499 0.804215 63 1.1965 1.242499 1.440574

22 0.960671 0.99577 1.157549 22 0.1265 0.138499 0.804215 64 1.2425 1.269499 1.467088

23 0.995771 1.031093 1.170362 23 0.1385 0.150499 0.804215 65 1.2695 1.323499 1.493652

24 1.031094 1.066512 1.183176 24 0.1505 0.165499 0.810257 66 1.3235 1.356499 1.521771

25 1.066513 1.101954 1.195990 25 0.1655 0.177499 0.822514 67 1.3565 1.408499 1.546243

26 1.101955 1.137739 1.208802 26 0.1775 0.194499 0.835115 68 1.4085 1.456499 1.576534

27 1.13774 1.174035 1.221619 27 0.1945 0.210499 0.849078 69 1.4565 1.507499 1.605841

28 1.174036 1.210549 1.234433 28 0.2105 0.227499 0.862340 70 1.5075 1.558499 1.637462

29 1.21055 1.247245 1.296723 29 0.2275 0.244499 0.875531 71 1.5585 1.610499 1.668606

30 1.247246 1.284986 1.328424 30 0.2445 0.262499 0.888387 72 1.6105 1.661499 1.700492

31 1.284987 1.324897 1.360124 31 0.2625 0.282499 0.901517 73 1.6615 1.712499 1.731413

32 1.324898 1.367223 1.391824 32 0.2825 0.301499 0.914393 74 1.7125 1.765499 1.761653

33 1.367224 1.411243 1.423522 33 0.3015 0.327499 0.928193 75 1.7655 1.827499 1.794879

34 1.411244 1.45578 1.455223 34 0.3275 0.347499 0.941404 76 1.8275 1.891499 1.831222

35 1.455781 1.499802 1.486922 35 0.3475 0.375499 0.954158 77 1.8915 1.958499 1.866723

36 1.499803 1.543617 1.518621 36 0.3755 0.399499 0.966902 78 1.9585 2.045499 1.906113

37 1.543618 1.589404 1.550320 37 0.3995 0.422499 0.977656 79 2.0455 2.126499 1.944761

38 1.589405 1.641544 1.582021 38 0.4225 0.447499 0.987953 80 2.1265 2.230499 1.979002

39 1.641545 1.706805 1.613719 39 0.4475 0.472499 0.997985 81 2.2305 2.336499 2.012045

40 1.706806 1.798335 1.662130 40 0.4725 0.501499 1.008282 82 2.3365 2.500499 2.031928

41 1.798336 1.946873 1.761857 41 0.5015 0.533499 1.019290 83 2.5005 2.052024

42 1.946874 2.441513 1.902805 42 0.5335 0.576499 1.032369

43 2.441514 2.188227


Region F RPE Cluster Changes ‐ Collision


Page 14


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.148318 0.913790 1 0.022499 0.852375 43 0.5765 0.613499 1.111334

2 0.148319 0.222358 0.926968 2 0.0225 0.023499 0.852375 44 0.6135 0.647499 1.125159

3 0.222359 0.28528 0.940150 3 0.0235 0.025499 0.852375 45 0.6475 0.697499 1.142861

4 0.285281 0.33952 0.953329 4 0.0255 0.027499 0.852375 46 0.6975 0.731499 1.163081

5 0.339521 0.385397 0.966507 5 0.0275 0.029499 0.852375 47 0.7315 0.766499 1.181484

6 0.385398 0.42565 0.979688 6 0.0295 0.031499 0.852375 48 0.7665 0.792499 1.199060

7 0.425651 0.463328 0.992867 7 0.0315 0.033499 0.852375 49 0.7925 0.828499 1.217881

8 0.463329 0.500179 1.006048 8 0.0335 0.036499 0.852375 50 0.8285 0.851499 1.237004

9 0.50018 0.537347 1.019226 9 0.0365 0.040499 0.852375 51 0.8515 0.884499 1.256012

10 0.537348 0.57508 1.032406 10 0.0405 0.044499 0.852375 52 0.8845 0.905499 1.275041

11 0.575081 0.612923 1.045585 11 0.0445 0.049499 0.852375 53 0.9055 0.935499 1.293527

12 0.612924 0.650163 1.058766 12 0.0495 0.055499 0.852375 54 0.9355 0.960499 1.314239

13 0.650164 0.686204 1.071944 13 0.0555 0.061499 0.852375 55 0.9605 0.984499 1.333007

14 0.686205 0.721055 1.085123 14 0.0615 0.066499 0.852375 56 0.9845 1.012499 1.353196

15 0.721056 0.755118 1.098304 15 0.0665 0.071499 0.852375 57 1.0125 1.036499 1.373939

16 0.755119 0.788916 1.111483 16 0.0715 0.077499 0.852375 58 1.0365 1.067499 1.396030

17 0.788917 0.822866 1.124661 17 0.0775 0.084499 0.852375 59 1.0675 1.102499 1.422437

18 0.822867 0.857072 1.137842 18 0.0845 0.092499 0.852375 60 1.1025 1.129499 1.448091

19 0.857073 0.891434 1.151023 19 0.0925 0.102499 0.852375 61 1.1295 1.168499 1.474331

20 0.891435 0.925887 1.164202 20 0.1025 0.114499 0.852375 62 1.1685 1.196499 1.501302

21 0.925888 0.96067 1.177381 21 0.1145 0.126499 0.852375 63 1.1965 1.242499 1.529663

22 0.960671 0.99577 1.190560 22 0.1265 0.138499 0.852375 64 1.2425 1.269499 1.557825

23 0.995771 1.031093 1.203740 23 0.1385 0.150499 0.852375 65 1.2695 1.323499 1.586040

24 1.031094 1.066512 1.216920 24 0.1505 0.165499 0.860370 66 1.3235 1.356499 1.615885

25 1.066513 1.101954 1.230099 25 0.1655 0.177499 0.873380 67 1.3565 1.408499 1.641874

26 1.101955 1.137739 1.243277 26 0.1775 0.194499 0.886766 68 1.4085 1.456499 1.674028

27 1.13774 1.174035 1.256458 27 0.1945 0.210499 0.901594 69 1.4565 1.507499 1.705158

28 1.174036 1.210549 1.269637 28 0.2105 0.227499 0.915670 70 1.5075 1.558499 1.738755

29 1.21055 1.247245 1.333705 29 0.2275 0.244499 0.929673 71 1.5585 1.610499 1.771808

30 1.247246 1.284986 1.366310 30 0.2445 0.262499 0.943331 72 1.6105 1.661499 1.805665

31 1.284987 1.324897 1.398914 31 0.2625 0.282499 0.957261 73 1.6615 1.712499 1.838499

32 1.324898 1.367223 1.431518 32 0.2825 0.301499 0.970950 74 1.7125 1.765499 1.870611

33 1.367224 1.411243 1.464119 33 0.3015 0.327499 0.985611 75 1.7655 1.827499 1.905900

34 1.411244 1.45578 1.496724 34 0.3275 0.347499 0.999625 76 1.8275 1.891499 1.944492

35 1.455781 1.499802 1.529328 35 0.3475 0.375499 1.013178 77 1.8915 1.958499 1.982174

36 1.499803 1.543617 1.561931 36 0.3755 0.399499 1.026700 78 1.9585 2.045499 2.024005

37 1.543618 1.589404 1.594535 37 0.3995 0.422499 1.038122 79 2.0455 2.126499 2.065031

38 1.589405 1.641544 1.627138 38 0.4225 0.447499 1.049063 80 2.1265 2.230499 2.101386

39 1.641545 1.706805 1.659741 39 0.4475 0.472499 1.059722 81 2.2305 2.336499 2.136487

40 1.706806 1.798335 1.709533 40 0.4725 0.501499 1.070652 82 2.3365 2.500499 2.157617

41 1.798336 1.946873 1.812105 41 0.5015 0.533499 1.082335 83 2.5005 2.178924

42 1.946874 2.441513 1.957073 42 0.5335 0.576499 1.096213

43 2.441514 2.250634


Region G RPE Cluster Changes ‐ Collision


Page 15


Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

Comp RPE

Cluster

Minimum Comp RPE

Factor

Maximum Comp

RPE Factor

RPE Rating Factor

1 0.148318 0.902673 1 0.022499 0.857309 43 0.5765 0.613499 1.117759

2 0.148319 0.222358 0.915691 2 0.0225 0.023499 0.857309 44 0.6135 0.647499 1.131676

3 0.222359 0.28528 0.928712 3 0.0235 0.025499 0.857309 45 0.6475 0.697499 1.149476

4 0.285281 0.33952 0.941731 4 0.0255 0.027499 0.857309 46 0.6975 0.731499 1.169809

5 0.339521 0.385397 0.954749 5 0.0275 0.029499 0.857309 47 0.7315 0.766499 1.188322

6 0.385398 0.42565 0.967769 6 0.0295 0.031499 0.857309 48 0.7665 0.792499 1.205995

7 0.425651 0.463328 0.980788 7 0.0315 0.033499 0.857309 49 0.7925 0.828499 1.224923

8 0.463329 0.500179 0.993808 8 0.0335 0.036499 0.857309 50 0.8285 0.851499 1.244159

9 0.50018 0.537347 1.006827 9 0.0365 0.040499 0.857309 51 0.8515 0.884499 1.263290

10 0.537348 0.57508 1.019846 10 0.0405 0.044499 0.857309 52 0.8845 0.905499 1.282420

11 0.575081 0.612923 1.032865 11 0.0445 0.049499 0.857309 53 0.9055 0.935499 1.301008

12 0.612924 0.650163 1.045885 12 0.0495 0.055499 0.857309 54 0.9355 0.960499 1.321840

13 0.650164 0.686204 1.058902 13 0.0555 0.061499 0.857309 55 0.9605 0.984499 1.340715

14 0.686205 0.721055 1.071922 14 0.0615 0.066499 0.857309 56 0.9845 1.012499 1.361026

15 0.721056 0.755118 1.084942 15 0.0665 0.071499 0.857309 57 1.0125 1.036499 1.381891

16 0.755119 0.788916 1.097961 16 0.0715 0.077499 0.857309 58 1.0365 1.067499 1.404117

17 0.788917 0.822866 1.110978 17 0.0775 0.084499 0.857309 59 1.0675 1.102499 1.430674

18 0.822867 0.857072 1.123999 18 0.0845 0.092499 0.857309 60 1.1025 1.129499 1.456476

19 0.857073 0.891434 1.137020 19 0.0925 0.102499 0.857309 61 1.1295 1.168499 1.482862

20 0.891435 0.925887 1.150038 20 0.1025 0.114499 0.857309 62 1.1685 1.196499 1.509993

21 0.925888 0.96067 1.163057 21 0.1145 0.126499 0.857309 63 1.1965 1.242499 1.538519

22 0.960671 0.99577 1.176076 22 0.1265 0.138499 0.857309 64 1.2425 1.269499 1.566842

23 0.995771 1.031093 1.189096 23 0.1385 0.150499 0.857309 65 1.2695 1.323499 1.595218

24 1.031094 1.066512 1.202115 24 0.1505 0.165499 0.865352 66 1.3235 1.356499 1.625243

25 1.066513 1.101954 1.215133 25 0.1655 0.177499 0.878429 67 1.3565 1.408499 1.651375

26 1.101955 1.137739 1.228152 26 0.1775 0.194499 0.891898 68 1.4085 1.456499 1.683709

27 1.13774 1.174035 1.241172 27 0.1945 0.210499 0.906815 69 1.4565 1.507499 1.715032

28 1.174036 1.210549 1.254191 28 0.2105 0.227499 0.920977 70 1.5075 1.558499 1.748813

29 1.21055 1.247245 1.317480 29 0.2275 0.244499 0.935053 71 1.5585 1.610499 1.782063

30 1.247246 1.284986 1.349687 30 0.2445 0.262499 0.948789 72 1.6105 1.661499 1.816120

31 1.284987 1.324897 1.381895 31 0.2625 0.282499 0.962802 73 1.6615 1.712499 1.849146

32 1.324898 1.367223 1.414102 32 0.2825 0.301499 0.976570 74 1.7125 1.765499 1.881438

33 1.367224 1.411243 1.446307 33 0.3015 0.327499 0.991316 75 1.7655 1.827499 1.916921

34 1.411244 1.45578 1.478515 34 0.3275 0.347499 1.005403 76 1.8275 1.891499 1.955746

35 1.455781 1.499802 1.510723 35 0.3475 0.375499 1.019043 77 1.8915 1.958499 1.993645

36 1.499803 1.543617 1.542928 36 0.3755 0.399499 1.032652 78 1.9585 2.045499 2.035714

37 1.543618 1.589404 1.575136 37 0.3995 0.422499 1.044132 79 2.0455 2.126499 2.076986

38 1.589405 1.641544 1.607342 38 0.4225 0.447499 1.055133 80 2.1265 2.230499 2.113555

39 1.641545 1.706805 1.639549 39 0.4475 0.472499 1.065858 81 2.2305 2.336499 2.148857

40 1.706806 1.798335 1.688735 40 0.4725 0.501499 1.076849 82 2.3365 2.500499 2.170105

41 1.798336 1.946873 1.790059 41 0.5015 0.533499 1.088596 83 2.5005 2.191544

42 1.946874 2.441513 1.933264 42 0.5335 0.576499 1.102566

43 2.441514 2.223253


Region H RPE Cluster Changes ‐ Collision


Page 16

Class Ann Mileage Description % of LY WP Current Factor Loss Relativity Credibility Proposed Factor % Change

A1A FARM NA Farm 0.1% 0.76 0.43 0.43 0.76 0.0%

A1A SHORT <= 8,500 Pleasure Use 34.6% 0.84 0.81 1.00 0.82 ‐2.4%

A1B SHORT <= 8,500 Work < 6 miles one way 10.7% 0.87 0.90 1.00 0.88 1.1%

A2A SHORT <= 8,500 Work: 6‐10 miles one way 4.1% 0.91 0.97 1.00 0.94 3.3%

A2B SHORT <= 8,500 Work 11‐14 miles one way 1.3% 1.00 0.96 1.00 0.97 ‐3.0%

A3A SHORT <= 12,500 Work 11‐14 miles one way 3.4% 1.07 1.14 1.00 1.07 0.0%

A3B SHORT <= 15,500 Work 21‐30 miles one way 1.8% 1.13 1.15 1.00 1.14 0.9%

A3C NA Work: 31+ miles one way 1.2% 1.18 1.28 1.00 1.21 2.5%

A4 SHORT <= 12,500 Business Use 1.4% 1.12 1.06 1.00 1.12 0.0%

A1A LONG > 8,500 Pleasure Use 9.7% 1.00 1.00 1.00 1.00 0.0%

A1B LONG > 8,500 Work < 6 miles one way 9.8% 0.98 1.01 1.00 1.01 3.1%

A2A LONG > 8,500 Work: 6‐10 miles one way 13.4% 1.01 1.13 1.00 1.03 2.0%

A2B LONG > 8,500 Work 11‐14 miles one way 4.7% 1.05 1.05 1.00 1.05 0.0%

A3A LONG > 12,500 Work: 15‐20 miles one way 1.9% 1.12 1.09 1.00 1.09 ‐2.7%

A3B LONG > 15,500 Work 21‐30 miles one way 0.8% 1.17 1.14 1.00 1.15 ‐1.7%

A4 LONG > 12,500 Business Use 1.0% 1.23 1.29 1.00 1.23 0.0%

Class Description % of LY WP Current Factor Loss Relativity* Credibility Proposed Factor % Change

A1A FARM NA Farm 0.0% 0.83 0.42 0.03 0.83 0.0%

A1A SHORT <= 8,500 Pleasure Use 23.2% 0.86 0.87 0.78 0.87 1.2%

A1B SHORT <= 8,500 Work < 6 miles one way 10.3% 0.88 0.93 0.56 0.89 1.1%

A2A SHORT <= 8,500 Work: 6‐10 miles one way 4.0% 0.92 1.05 0.34 0.95 3.3%


A3A SHORT <= 12,500 Work 11‐14 miles one way 3.4% 1.03 1.07 0.30 1.03 0.0%


A3C NA Work: 31+ miles one way 1.2% 1.12 1.19 0.18 1.15 2.7%

A4 SHORT <= 12,500 Business Use 1.3% 1.16 1.03 0.14 1.13 ‐2.6%

A1A LONG > 8,500 Pleasure Use 6.6% 1.00 1.00 0.41 1.00 0.0%

A1B LONG > 8,500 Work < 6 miles one way 11.5% 0.95 0.93 0.57 0.95 0.0%





A4 LONG > 12,500 Business Use 2.0% 1.16 1.73 0.15 1.19 2.6%

*loss experience is credibility weighted with Exchange experience

Adult Class Factor Changes ‐ Exchange

Adult Class Factor Changes ‐ Company

I:\PERSONAL\AUTO\PA\20180601\Analysis\Adult Class Factors\2016 Adult Class Review through 2017Q2 Updated.xlsxExhibit C-3

Driver Age x Bike Class Factor Changes

Applies only to Sport Bike Classes

Driver AgeCurrent

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

Current

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

Current

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

16 2.840 3.353 3.353 18.1% 1.716 1.962 1.962 14.3% 3.058 3.261 3.261 6.7%

17 2.840 3.353 3.353 18.1% 1.716 1.962 1.962 14.3% 3.058 3.261 3.261 6.7%

18 2.840 3.353 3.353 18.1% 1.716 1.962 1.962 14.3% 3.058 3.261 3.261 6.7%

19 2.339 2.761 2.761 18.1% 1.716 1.962 1.962 14.3% 3.058 3.261 3.261 6.7%

20 1.986 2.344 2.344 18.1% 1.716 1.962 1.962 14.3% 3.058 3.261 3.261 6.7%

21 1.705 2.013 2.013 18.1% 1.716 1.962 1.962 14.3% 2.460 2.624 2.624 6.7%

22 1.484 1.752 1.752 18.1% 1.589 1.816 1.816 14.3% 2.066 2.204 2.204 6.7%

23 1.313 1.550 1.550 18.0% 1.540 1.760 1.760 14.3% 1.793 1.912 1.912 6.7%

24 1.180 1.394 1.394 18.1% 1.195 1.705 1.705 42.7% 1.615 1.722 1.722 6.6%

25 0.995 1.276 1.276 28.2% 1.195 1.653 1.653 38.3% 1.503 1.603 1.603 6.7%

26 0.995 1.188 1.188 19.4% 1.195 1.603 1.603 34.1% 1.433 1.528 1.528 6.7%

27 0.995 1.122 1.122 12.8% 1.195 1.555 1.555 30.1% 1.384 1.476 1.476 6.7%

28 0.995 1.074 1.074 7.9% 1.195 1.508 1.508 26.2% 1.345 1.434 1.434 6.6%

29 0.995 1.039 1.039 4.4% 1.195 1.463 1.463 22.4% 1.305 1.392 1.392 6.7%

30 0.995 1.013 1.013 1.8% 1.195 1.420 1.420 18.8% 1.259 1.342 1.342 6.6%

31 1.195 1.378 1.378 15.3% 0.996 1.284 1.284 28.9%

32 1.195 1.338 1.338 12.0% 0.996 1.218 1.218 22.3%

33 1.195 1.300 1.300 8.8% 0.996 1.151 1.151 15.6%

34 1.195 1.263 1.263 5.7% 0.996 1.088 1.088 9.2%

35 1.195 1.228 1.228 2.8% 0.996 1.035 1.035 3.9%

Driver Age x Bike Class Factor ChangesApplies only to Super Sport Bike Classes

Driver AgeCurrent

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

Current

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

Current

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

16 2.840 3.353 3.353 18.1% 2.043 2.334 2.334 14.3% 3.201 3.414 3.414 18.1%

17 2.840 3.353 3.353 18.1% 2.043 2.334 2.334 14.3% 3.201 3.414 3.414 6.6%

18 2.840 3.353 3.353 18.1% 2.043 2.334 2.334 14.3% 3.201 3.414 3.414 6.6%

19 2.339 2.761 2.761 18.1% 2.043 2.334 2.334 14.3% 3.201 3.414 3.414 6.6%

20 1.986 2.344 2.344 18.1% 2.043 2.334 2.334 14.3% 3.201 3.414 3.414 6.6%

21 1.705 2.013 2.013 18.1% 2.043 2.334 2.334 14.3% 2.575 2.747 2.747 6.7%

22 1.484 1.752 1.752 18.1% 1.916 2.190 2.190 14.3% 2.144 2.287 2.287 6.7%

23 1.313 1.550 1.550 18.0% 1.804 2.061 2.061 14.3% 1.844 1.967 1.967 6.7%

24 1.180 1.394 1.394 18.1% 1.701 1.944 1.944 14.3% 1.620 1.728 1.728 6.7%

25 0.995 1.276 1.276 28.2% 1.609 1.839 1.839 14.3% 1.461 1.558 1.558 6.6%

26 0.995 1.188 1.188 19.4% 1.526 1.744 1.744 14.3% 1.349 1.438 1.438 6.6%

27 0.995 1.122 1.122 12.8% 1.451 1.658 1.658 14.2% 1.266 1.351 1.351 6.7%

28 0.995 1.074 1.074 7.9% 1.158 1.580 1.580 36.4% 0.990 1.283 1.283 29.6%

29 0.995 1.039 1.039 4.4% 1.158 1.509 1.509 30.3% 0.990 1.227 1.227 23.9%

30 0.995 1.013 1.013 1.8% 1.158 1.444 1.444 24.7% 0.990 1.175 1.175 18.7%

31 1.158 1.385 1.385 19.6% 0.990 1.127 1.127 13.8%

32 1.158 1.331 1.331 14.9% 0.990 1.083 1.083 9.4%

33 1.158 1.282 1.282 10.7% 0.990 1.046 1.046 5.7%

34 1.158 1.237 1.237 6.8% 0.990 1.017 1.017 2.7%

35 1.158 1.197 1.197 3.4% 0.990 0.999 0.999 0.9%

Other Coverages Comprehensive Coverage Collision Coverage

Other Coverages Comprehensive Coverage Collision Coverage

Exhibit C-4 Page 1

Bike Age x Bike Class Factor Changes

Applies only to Sport and Super Sport Bike Classes

Bike AgeCurrent

Factor

Proposed

Factor

Indicated

Factor

Percent

Change

0 1.647 1.810 1.810 9.9%

1 1.240 1.363 1.363 9.9%

2 1.009 1.109 1.109 9.9%

3 0.875 0.962 0.962 9.9%

4 0.797 0.877 0.877 10.0%

5 0.754 0.829 0.829 9.9%

6 0.729 0.801 0.801 9.9%

7 0.708 0.779 0.779 10.0%

8 0.685 0.753 0.753 10.0%

9 0.648 0.713 0.713 10.0%

10 0.593 0.652 0.652 10.0%

11 0.593 0.652 0.652 10.0%

12 0.593 0.652 0.652 10.0%

13 0.593 0.652 0.652 10.0%

14 0.593 0.652 0.652 10.0%

15 0.593 0.652 0.652 10.0%

16 0.593 0.652 0.652 10.0%

17 0.593 0.652 0.652 10.0%

18 0.593 0.652 0.652 10.0%

19 0.593 0.652 0.652 10.0%

20 + 0.593 0.652 0.652 10.0%

Other Coverages

Exhibit C-4 Page 2



Section D

Loss Adjustments

Exhibit D-1, Loss Trend Factor Development The selected loss trends used in the development of the rate level indications are summarized on Exhibit D-1. Two adjustments are made to losses using loss trends: adjustment to current levels and adjustment to future levels. Factors to Trend Losses To bring losses to current, we reflect trends in severity and frequency (pure premium). The selected factors are repeated on the development of the rate level indications exhibits (Exhibit B-1, Pages 4-42, column 12a). To project losses to future levels, we reflect trends in severity and frequency (pure premium). The selected factors are repeated on the development of the rate level indications exhibits (Exhibit B-1, Pages 4-42, column 12b). Exhibit D-2, The ERIE's Private Passenger Auto Trends The ERIE's historical loss data for the most recent ten, nine, eight…, and two year periods is fitted to a least squares exponential curve. Each data point represents a one-year period either ending every quarter or every year. The fitted curves are used to calculate average annual changes in severity, frequency, and pure premium. Credibility of the trend data is based on 10,623 claims as 100% credible. The square root procedure is used to find partial credibility. It can range from 0 to 1. Trends are based primarily on the ERIE's Pennsylvania data. Accident year trends have been selected for all coverages outside of physical damage coverages, which utilize calendar year trends. Exhibit D-2, Pages 1-6 show the selected trends with the ERIE’s data. Exhibit D-3, Trend Complements ERIE companywide trend data is summarized on Exhibit D-3, Page 1. A least squares exponential fit is done on the data points representing one year periods ending either every quarter or every year.


PENNSYLVANIA PRIVATE PASSENGER AUTO Exhibit D-4, Loss Development The incurred losses on Exhibit B-1 are accident year losses (excluding physical damage coverages). Loss development factors are applied to these losses to develop the losses to their ultimate level. Exhibit D-4, Pages 1-13 show how the loss development factors are determined. The accident year losses by age are shown for the latest twelve years. Each evaluation is divided by the immediately preceding evaluation to determine the age-to-age development factors. Based upon the observed development factors, age-to-age factors are selected. The selected factors are successively multiplied to generate age-to-ultimate factors. We review development patterns on an incurred loss basis and a paid loss basis. For property damage, medical expense, accidental death/funeral, and income loss, we are using loss development factors that were determined from incurred losses. For bodily injury, uninsured motorists, and underinsured motorists, however, a weighting of factors based on incurred losses and paid losses is used to determine the selected age-to-ultimate factors. This procedure was used because there are differences in loss development patterns depending on whether incurred or paid losses were used. This method adds stability to the factors and lessens the impact of any change in the adequacy of case reserves that may have occurred. Ultimate losses are determined using incurred age-to-ultimate factors and paid age-to-ultimate factors. These losses are then weighted using judgment (85% weight to incurred losses and 15% weight to paid losses) to determine the selected ultimate losses. The selected ultimate losses are then divided by the incurred losses to calculate the selected age-to-ultimate factors. Exhibit D-5, Page 1 shows these calculations for bodily injury; Exhibit D-5, Page 8 shows the calculations for uninsured motorists, and Exhibit D-5, Page 11 shows the calculations for underinsured motorists. These age-to-ultimate factors are multiplied by our accident year incurred losses plus ALAE in Exhibit B-1 to calculate the ultimate values of the losses.


PENNSYLVANIA PRIVATE PASSENGER AUTO Exhibit D-5, Development of Catastrophe Factor Our selected catastrophe load is a credibility weighted average of the loads indicated by ERIE's historical experience and the catastrophe model by state and coverage. The catastrophe load based upon ERIE’s historical experience is the ratio of actual catastrophe losses to non-catastrophe losses. The catastrophe load based upon the catastrophe model is the ratio of modeled catastrophe estimates to non-catastrophe estimates. The modeled catastrophe estimates are based upon a weighted average of RMS and AIR catastrophe simulations by state, coverage, and peril (Hurricane, Thunderstorm, and Winter Storm). The non-catastrophe estimates are total losses (the product of current year earned premium and permissible loss ratio) divided by the current catastrophe load. Exhibit D-6, Development of Adjusting and Other (A&O) Expense Factors Incurred losses including DCC expenses are adjusted to include A&O expenses by application of the factors developed on this exhibit.


ERIE INSURANCE GROUP 1/18/2018

Coverage Credibility ERIE Complement Selected* Credibility ERIE Complement Selected*

Bodily Injury 0.829 0.2% 3.7% 0.8% 0.829 0.2% 3.7% 0.8%Property Damage 1.000 2.8% N/A 2.8% 1.000 2.8% N/A 2.8%Combined Single Limit 1.6% 1.6%

Medical Expense 1.000 -0.1% N/A -0.1% 1.000 -0.1% N/A -0.1%Income Loss 0.400 -0.1% 0.0% 0.0% 0.400 -0.1% 0.0% 0.0%

Uninsured Motorists 0.324 0.1% N/A 0.1% 0.324 0.1% N/A 0.1%Underinsured Motorists 0.1% 0.324 0.1%

Comprehensive 1.000 5.1% N/A 5.1% 1.000 5.1% N/A 5.1%Collision 1.000 3.4% N/A 3.4% 1.000 3.4% N/A 3.4%

*Unless otherwise noted below, the Selected trend is the Credibility‐Weighted trend = (ERIE)(Credibility) + (Complement(1‐Credibility)

Bodily Injury ERIE: ERIE PA 3-year accident year pure premium trend ERIE: ERIE PA 3-year accident year pure premium trendComplement: ERIE CW 3-year accident year pure premium trend Complement: ERIE CW 3-year accident year pure premium trend

Property Damage ERIE: ERIE PA 3-year accident year pure premium trend ERIE: ERIE PA 3-year accident year pure premium trend

Combined Single Limit ERIE:

Medical Expense ERIE PA 5-year accident year pure premium trend ERIE PA 5-year accident year pure premium trend

Income Loss ERIE: 40% selected Med trend 40% selected Med trendComplement: 0.00% 0.00%

Uninsured Motorists ERIE: ERIE PA 4-year accident year pure premium trend ERIE: ERIE PA 4-year accident year pure premium trend

Underinsured Motorists ERIE: ERIE PA 4-year accident year pure premium trend ERIE: ERIE PA 4-year accident year pure premium trend

Comprehensive ERIE: ERIE PA 10-year calendar year pure premium trend ERIE: ERIE PA 10-year calendar year pure premium trend

Collision ERIE: ERIE PA 10-year calendar year pure premium trend ERIE: ERIE PA 10-year calendar year pure premium trend

Weighted average of ERIE selected BI and PD trends(BI Weight = .6 PD Weight = .4)

PennsylvaniaLoss Trend Factor Development

FACTOR DEVELOPMENT To Current To Future

EXPLANATIONS To Current To Future

Exhibit D-1


YearEnding Frequency Severity Pure Prem Frequency Severity Pure Prem2008Q2 0.005 14,008 64.592009Q2 0.005 15,026 68.222010Q2 0.004 15,679 69.722011Q2 0.004 15,027 65.642012Q2 0.004 16,082 71.502013Q2 0.004 15,631 69.672014Q2 0.005 15,057 69.962015Q2 0.005 15,013 70.38 0.005 15294 71.762016Q2 0.005 15,656 74.70 0.005 15087 71.872017Q2 0.005 14,610 70.60 0.005 14883 71.982018Q2 0.005 14682 72.092019Q2 0.005 14484 72.19

Credibility: 0.829 1.5% -1.4% 0.2%

PA PPA Three-Year Trends: Bodily Injury Forms at Ultimate

Actual Fitted

Exhibit D-2Page 1


YearEnding Frequency Severity Pure Prem Frequency Severity Pure Prem2008Q2 0.029 2,378 70.112009Q2 0.029 2,463 71.902010Q2 0.030 2,441 73.152011Q2 0.030 2,523 76.572012Q2 0.030 2,673 80.462013Q2 0.030 2,701 81.322014Q2 0.031 2,813 86.412015Q2 0.030 2,990 90.47 0.031 2971 90.822016Q2 0.030 3,114 94.12 0.030 3155 93.392017Q2 0.028 3,373 95.65 0.029 3351 96.022018Q2 0.028 3559 98.742019Q2 0.027 3780 101.52

Credibility: 1.000 -3.2% 6.2% 2.8%

PA PPA Three-Year Trends: Property Damage Forms at Ultimate

Actual Fitted

Exhibit D-2Page 2

PA PPA Five-Year Trends: Medical Payments Forms at Ultimate

Year

Ending Frequency Severity Pure Prem Frequency Severity Pure Prem

2008Q2 0.012 3,581 43.70

2009Q2 0.012 3,684 44.03

2010Q2 0.012 3,754 43.46

2011Q2 0.012 3,582 41.84

2012Q2 0.012 3,901 45.38

2013Q2 0.011 3,697 41.98 0.011 3714 41.892014Q2 0.011 3,755 41.88 0.011 3740 41.852015Q2 0.011 3,816 41.89 0.011 3765 41.822016Q2 0.011 3,715 41.21 0.011 3791 41.792017Q2 0.011 3,846 42.16 0.011 3817 41.762018Q2 0.011 3843 41.732019Q2 0.011 3870 41.69

Credibility: 1.000 ‐0.8% 0.7% ‐0.1%

Actual Fitted

Exhibit D-2Page 3


YearEnding Frequency Severity Pure Prem Frequency Severity Pure Prem2010Q2 0.001 52,748 54.732011Q2 0.001 50,230 38.612012Q2 0.001 58,628 46.572013Q2 0.001 61,214 48.652014Q2 0.001 56,710 48.95 0.001 52024 46.162015Q2 0.001 48,427 43.16 0.001 52515 46.232016Q2 0.001 48,126 44.53 0.001 53011 46.292017Q2 0.001 58,637 48.68 0.001 53512 46.362018Q2 0.001 54017 46.432019Q2 0.001 54527 46.50

Credibility: 0.346 -0.8% 0.9% 0.1%

Actual Fitted

PA PPA Four-Year Trends: UM/UIM Forms

Exhibit D-2Page 4


YearEnding Frequency Severity Pure Prem Frequency Severity Pure Prem20073 5.134 956 49.1 5.168 912 47.120074 5.066 969 49.1 5.165 924 47.720081 5.048 989 49.9 5.162 936 48.320082 5.064 996 50.4 5.159 948 48.920083 5.006 1,005 50.3 5.157 960 49.520084 4.961 1,039 51.5 5.154 973 50.120091 5.121 1,015 52.0 5.151 985 50.820092 4.988 1,037 51.7 5.148 998 51.420093 4.996 1,040 52.0 5.145 1,011 52.020094 5.082 1,021 51.9 5.142 1,024 52.720101 4.944 1,031 51.0 5.139 1,038 53.320102 5.224 988 51.6 5.137 1,051 54.020103 5.312 989 52.5 5.134 1,065 54.720104 5.249 1,033 54.2 5.131 1,079 55.320111 5.387 1,024 55.2 5.128 1,093 56.020112 5.209 1,074 55.9 5.125 1,107 56.720113 5.366 1,065 57.1 5.122 1,121 57.420114 5.527 1,061 58.6 5.120 1,136 58.120121 5.542 1,090 60.4 5.117 1,151 58.920122 5.413 1,099 59.5 5.114 1,165 59.620123 5.152 1,148 59.1 5.111 1,181 60.320124 4.920 1,206 59.3 5.108 1,196 61.120131 4.805 1,230 59.1 5.105 1,212 61.920132 4.869 1,239 60.3 5.103 1,227 62.620133 4.860 1,255 61.0 5.100 1,243 63.420134 4.956 1,263 62.6 5.097 1,259 64.220141 5.074 1,258 63.8 5.094 1,276 65.020142 5.312 1,255 66.7 5.091 1,292 65.820143 5.497 1,246 68.5 5.088 1,309 66.620144 5.535 1,254 69.4 5.086 1,326 67.420151 5.367 1,292 69.3 5.083 1,343 68.320152 5.273 1,299 68.5 5.080 1,361 69.120153 5.151 1,324 68.2 5.077 1,379 70.020154 5.130 1,369 70.2 5.074 1,397 70.920161 5.160 1,406 72.6 5.072 1,415 71.720162 4.914 1,485 73.0 5.069 1,433 72.620163 4.830 1,536 74.2 5.066 1,452 73.520164 4.548 1,634 74.3 5.063 1,471 74.520171 4.821 1,639 79.0 5.060 1,490 75.420172 4.891 1,665 81.4 5.058 1,509 76.320173 5.055 1,529 77.320174 5.052 1,549 78.220181 5.049 1,569 79.220182 5.046 1,589 80.2

Credibility 1.000 -0.2% 5.3% 5.1%

PA PPA Ten-Year Trends: Comprehensive Forms

Actual Fitted

Exhibit D-2Page 5


YearEnding Frequency Severity Pure Prem Frequency Severity Pure Prem20073 4.666 2,531 118.1 4.533 2,511 113.820074 4.739 2,564 121.5 4.548 2,524 114.820081 4.724 2,626 124.0 4.562 2,537 115.720082 4.677 2,622 122.6 4.577 2,550 116.720083 4.645 2,624 121.9 4.591 2,563 117.720084 4.640 2,657 123.3 4.606 2,576 118.620091 4.644 2,631 122.2 4.620 2,589 119.620092 4.660 2,644 123.2 4.635 2,602 120.620093 4.680 2,639 123.5 4.649 2,616 121.620094 4.672 2,627 122.7 4.664 2,629 122.620101 4.638 2,590 120.1 4.679 2,643 123.620102 4.605 2,577 118.7 4.694 2,656 124.720103 4.647 2,587 120.2 4.709 2,670 125.720104 4.650 2,577 119.8 4.723 2,683 126.720111 4.672 2,604 121.7 4.738 2,697 127.820112 4.703 2,633 123.8 4.753 2,711 128.920113 4.723 2,655 125.4 4.768 2,725 129.920114 4.737 2,685 127.2 4.784 2,739 131.020121 4.630 2,701 125.0 4.799 2,753 132.120122 4.630 2,742 127.0 4.814 2,767 133.220123 4.611 2,772 127.8 4.829 2,781 134.320124 4.580 2,780 127.3 4.844 2,795 135.420131 4.699 2,833 133.1 4.860 2,810 136.520132 4.717 2,830 133.5 4.875 2,824 137.720133 4.738 2,816 133.4 4.891 2,838 138.820134 4.807 2,836 136.3 4.906 2,853 140.020141 4.949 2,863 141.7 4.922 2,868 141.120142 5.042 2,847 143.6 4.937 2,882 142.320143 5.141 2,902 149.2 4.953 2,897 143.520144 5.149 2,930 150.9 4.968 2,912 144.720151 5.106 2,986 152.5 4.984 2,927 145.920152 5.163 3,023 156.1 5.000 2,942 147.120153 5.125 3,024 155.0 5.016 2,957 148.320154 5.158 3,001 154.8 5.032 2,972 149.520161 5.060 2,921 147.8 5.048 2,987 150.820162 5.004 2,954 147.8 5.064 3,003 152.020163 5.092 2,972 151.3 5.080 3,018 153.320164 5.096 3,030 154.4 5.096 3,033 154.620171 5.205 3,147 163.8 5.112 3,049 155.920172 5.227 3,194 166.9 5.128 3,065 157.120173 5.144 3,080 158.520174 5.160 3,096 159.820181 5.177 3,112 161.120182 5.193 3,128 162.4

Credibility 1.000 1.3% 2.1% 3.4%

Actual Fitted

PA PPA Ten-Year Trends: Collision Forms

Exhibit D-2Page 6


YearEnding Frequency Severity Pure Prem Frequency Severity Pure Prem2008Q2 0.006 13,727 78.79 0.000 0 0.002009Q2 0.006 14,094 79.06 0.000 0 0.002010Q2 0.006 14,680 82.83 0.000 0 0.002011Q2 0.006 14,827 82.81 0.000 0 0.002012Q2 0.006 15,433 89.62 0.000 0 0.002013Q2 0.006 15,262 87.75 0.000 0 0.002014Q2 0.006 14,893 88.96 0.000 0 0.002015Q2 0.006 14,986 91.26 0.006 15096 92.072016Q2 0.006 15,299 97.18 0.006 15078 95.472017Q2 0.007 14,950 98.12 0.007 15060 98.992018Q2 0.007 15042 102.642019Q2 0.007 15024 106.43

Credibility: 1.000 3.8% -0.1% 3.7%

CW PPA Three-Year Trends: Bodily Injury Forms

Actual Fitted

Exhibit D-3Page 1

Erie Insurance Group 1/18/2018Data As Of: 08/31/2017

PA Private Passenger Auto - Bodily InjuryDetermination of Loss Development Factors

(1) (2) (3) (4) (5) (6) (7) (8) (9)From From =(2) x (3) From From =(5) x (6) = 0.85 x (4) =(8) / (2)

Exhibit Exhibit Exhibit Exhibit + 0.15 x (7)

Incurred Incurred Ultimate Paid Paid Ultimate SelectedLosses & Loss Dev Losses Losses & Loss Dev Losses Selected Incurred

Accident Pd. ALAE Age to Ult Based on Pd. ALAE Age to Ult Based on Ultimate Age to UltYear 8/31/2017 Factor Incurred 8/31/2017 Factor Paid Losses Factors

2011 101,102,929 1.006 101,665,061 100,150,213 1.024 102,535,792 101,795,670 1.0072012 105,541,516 1.011 106,747,855 103,199,165 1.047 108,009,278 106,937,069 1.0132013 105,516,564 1.023 107,943,445 99,964,758 1.098 109,754,306 108,215,074 1.0262014 103,539,374 1.047 108,434,715 91,197,889 1.210 110,331,206 108,719,189 1.0502015 96,893,494 1.149 111,344,189 74,141,636 1.523 112,884,348 111,575,213 1.1522016 82,174,000 1.430 117,524,434 42,799,744 2.881 123,285,091 118,388,532 1.4412017 49,185,422 2.171 106,799,750 6,513,304 17.313 112,767,172 107,694,864 2.190

Loss Development Factors

12-Ult 24-Ult 36-Ult 48-Ult 60-Ult 72-Ult 84-Ult2.190 1.441 1.152 1.050 1.026 1.013 1.007

i:\pricinglossdevfactors\2011q4\persauto\workbooks annual method review\vol bi - pa 12312011.xlsm

Exhibit D-4 Page 1

Erie Insurance GroupLoss Development Study

PA Private Passenger Auto - Bodily InjuryIncurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 44,847,073 69,973,990 82,189,353 93,655,301 97,694,384 98,590,379 99,555,816 99,968,347 100,482,806 100,567,224 100,561,476 100,573,287 2007 40,780,174 61,626,576 81,663,543 92,555,350 96,419,215 98,973,470 99,020,262 99,407,439 99,283,522 99,258,871 99,272,234 2008 38,107,683 63,156,512 80,591,077 89,817,009 92,381,430 93,349,003 93,991,878 94,162,867 93,990,895 94,070,261 2009 41,279,971 68,299,246 87,069,229 95,674,366 98,594,511 100,095,945 100,544,811 100,771,206 100,821,312 2010 43,267,396 68,492,566 90,050,744 99,886,876 102,706,788 104,040,404 104,140,010 104,080,583 2011 41,619,849 71,352,808 89,486,724 97,739,084 99,939,031 100,845,463 101,102,929 2012 49,059,981 76,033,199 93,169,932 102,325,619 104,553,031 105,541,516 2013 48,590,878 75,909,047 95,003,874 103,889,667 105,516,564 2014 53,387,840 76,936,600 94,723,159 103,539,374 2015 50,947,610 76,863,458 96,893,494 2016 53,728,923 82,174,000 2017 49,185,422

Age-to-Age Factors

Accident Year @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144 @Ult@12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 1.56028 1.17457 1.13951 1.04313 1.00917 1.00979 1.00414 1.00515 1.00084 0.99994 1.000122007 1.51119 1.32514 1.13337 1.04175 1.02649 1.00047 1.00391 0.99875 0.99975 1.000132008 1.65732 1.27605 1.11448 1.02855 1.01047 1.00689 1.00182 0.99817 1.000842009 1.65454 1.27482 1.09883 1.03052 1.01523 1.00448 1.00225 1.000502010 1.58301 1.31475 1.10923 1.02823 1.01298 1.00096 0.999432011 1.71439 1.25414 1.09222 1.02251 1.00907 1.002552012 1.54980 1.22538 1.09827 1.02177 1.009452013 1.56221 1.25155 1.09353 1.015662014 1.44109 1.23118 1.093072015 1.50868 1.260592016 1.529422017

Age-to-Age Factor Averages12 to 24 24 to 36 36 to 48 48 to 60 60 to 72 72 to 84 84 to 96 96 to 108 108 to 120 120 to 132 132 to 144 144 to Ult.

Age 1 2 3 4 5 6 7 8 9 10 11 121YR ATA 1.52942 1.26059 1.09307 1.01566 1.00945 1.00255 0.99943 1.00050 1.00084 1.00013 1.000122YR ATA 1.51905 1.24589 1.09330 1.01871 1.00926 1.00176 1.00084 0.99934 1.00030 1.000043YR ATA 1.49306 1.24778 1.09496 1.01998 1.01050 1.00266 1.00117 0.99914 1.000484YR ATA 1.51035 1.24218 1.09427 1.02204 1.01168 1.00372 1.00185 1.000645YR ATA 1.51824 1.24457 1.09726 1.02374 1.01144 1.00307 1.00231All YR ATA 1.56406 1.25711 1.10723 1.02870 1.01321 1.00413 1.00229 1.00068 1.00047 1.00004 1.00012Exponential 1.38990 1.16910 1.07334 1.03181 1.01380 1.00598 1.00260 1.00113 1.00049 1.00021 1.00009 1.00004Inverse Power 1.72718 1.19714 1.06364 1.02347 1.00962 1.00429 1.00205 1.00104 1.00056 1.00031 1.00018 1.00011Power 1.41928 1.16683 1.07035 1.03041 1.01329 1.00583 1.00257 1.00113 1.00050 1.00022 1.00010 1.00004Weibull 1.55259 1.16991 1.06611 1.02799 1.01235 1.00559 1.00257 1.00120 1.00056 1.00027 1.00013 1.00006One 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000

Selection 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA Power Power Power Power Power Power PowerSelected ATA 1.51824 1.24457 1.09726 1.02374 1.01144 1.00583 1.00257 1.00113 1.00050 1.00022 1.00010 1.00004Cumulative 2.17137 1.43019 1.14914 1.04728 1.02300 1.01143 1.00556 1.00299 1.00186 1.00136 1.00114 1.00104


Exhibit D-4 Page 2


PA Private Passenger Auto - Bodily InjuryPaid Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 7,264,252 35,525,378 64,175,546 80,851,102 90,899,370 95,438,707 98,140,412 99,131,747 99,949,206 100,213,624 100,406,976 100,501,287 2007 5,719,127 32,160,245 61,225,774 79,111,834 88,724,177 93,930,708 96,941,850 98,508,407 98,942,922 99,127,643 99,148,734 2008 5,481,354 31,778,499 59,194,997 75,159,918 85,619,932 90,094,920 91,766,776 92,909,867 93,643,095 93,913,261 2009 5,938,773 35,201,368 66,845,856 83,252,918 91,185,196 96,418,992 98,491,657 99,910,596 100,465,062 2010 5,658,339 35,608,230 67,038,043 86,733,429 96,098,191 100,580,067 102,762,275 103,574,583 2011 6,335,022 35,809,133 67,368,145 84,341,608 94,329,165 98,427,848 100,150,213 2012 5,658,821 39,242,961 69,836,838 89,516,435 98,714,873 103,199,165 2013 7,036,216 36,431,256 73,413,107 92,128,927 99,964,758 2014 6,958,723 41,066,565 75,363,172 91,197,889 2015 5,910,902 38,054,233 74,141,636 2016 7,641,917 42,799,744 2017 6,513,304

Age-to-Age Factors


2006 4.89044 1.80647 1.25984 1.12428 1.04994 1.02831 1.01010 1.00825 1.00265 1.00193 1.000942007 5.62328 1.90377 1.29213 1.12150 1.05868 1.03206 1.01616 1.00441 1.00187 1.000212008 5.79756 1.86274 1.26970 1.13917 1.05227 1.01856 1.01246 1.00789 1.002892009 5.92738 1.89896 1.24545 1.09528 1.05740 1.02150 1.01441 1.005552010 6.29305 1.88266 1.29379 1.10797 1.04664 1.02170 1.007902011 5.65257 1.88131 1.25195 1.11842 1.04345 1.017502012 6.93483 1.77960 1.28179 1.10276 1.045432013 5.17768 2.01511 1.25494 1.085052014 5.90145 1.83515 1.210112015 6.43797 1.948322016 5.600662017



Selection 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA Power Power Power Power PowerSelected ATA 6.01052 1.89190 1.25852 1.10190 1.04904 1.02226 1.01221 1.00553 1.00267 1.00129 1.00063 1.00030Cumulative 17.31336 2.88051 1.52255 1.20980 1.09793 1.04661 1.02382 1.01147 1.00591 1.00323 1.00193 1.00130


Exhibit D-4 Page 3


CW ex NC, OH, TN Private Passenger Auto - Property DamageIncurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 157,313,255 166,843,894 167,361,190 167,624,853 167,660,627 167,632,323 167,629,481 167,592,527 167,593,777 167,593,782 167,593,782 167,593,782 2007 161,410,189 172,387,791 172,914,226 173,119,123 173,123,695 173,150,566 173,143,335 173,139,789 173,139,770 173,139,409 173,139,409 2008 164,387,436 175,645,821 176,116,276 176,177,895 176,219,837 176,128,898 176,127,606 176,117,606 176,115,732 176,115,107 2009 174,005,492 184,248,790 184,602,186 184,603,263 184,590,945 184,610,161 184,627,679 184,631,120 184,630,655 2010 180,767,524 190,228,359 191,018,168 190,991,952 190,973,244 190,962,204 190,934,478 190,933,510 2011 195,196,805 206,074,497 206,544,728 206,771,446 206,777,332 206,804,794 206,826,667 2012 209,925,385 222,327,408 222,810,931 222,755,850 222,771,218 222,790,729 2013 215,218,982 228,619,262 228,988,742 229,100,852 229,127,655 2014 237,791,864 253,825,631 254,741,146 254,978,022 2015 259,452,404 277,760,842 278,667,785 2016 282,244,747 305,887,151 2017 300,235,908

Age-to-Age Factors


2006 1.06058 1.00310 1.00158 1.00021 0.99983 0.99998 0.99978 1.00001 1.00000 1.00000 1.000002007 1.06801 1.00305 1.00118 1.00003 1.00016 0.99996 0.99998 1.00000 1.00000 1.000002008 1.06849 1.00268 1.00035 1.00024 0.99948 0.99999 0.99994 0.99999 1.000002009 1.05887 1.00192 1.00001 0.99993 1.00010 1.00009 1.00002 1.000002010 1.05234 1.00415 0.99986 0.99990 0.99994 0.99985 0.999992011 1.05573 1.00228 1.00110 1.00003 1.00013 1.000112012 1.05908 1.00217 0.99975 1.00007 1.000092013 1.06226 1.00162 1.00049 1.000122014 1.06743 1.00361 1.000932015 1.07057 1.003272016 1.083772017



Selection 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA One One One One OneSelected ATA 1.07392 1.00283 1.00039 1.00007 1.00005 1.00002 0.99999 1.00000 1.00000 1.00000 1.00000 1.00000Cumulative 1.078 1.003 1.001 1.000 1.000 1.000 1.000 1.00000 1.00000 1.00000 1.00000 1.00000


Exhibit D-4 Page 4


CW Private Passenger Auto - No Fault - MedicalIncurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 58,520,835 55,860,985 56,397,307 57,019,857 57,472,265 57,672,630 57,908,009 58,014,437 58,210,607 58,268,262 58,249,568 58,273,681 2007 55,178,401 52,889,241 53,961,297 53,951,233 54,262,002 54,327,247 54,472,426 54,549,998 54,711,008 54,779,977 54,809,805 2008 51,096,825 51,811,463 52,889,001 53,241,253 53,527,165 53,655,700 53,694,829 53,810,454 53,878,722 54,020,655 2009 56,359,100 55,528,448 55,827,580 56,275,532 56,770,951 56,902,494 56,996,311 57,051,357 57,075,828 2010 53,521,386 53,131,196 53,414,062 53,992,904 54,499,094 54,483,715 54,436,606 54,501,471 2011 57,078,929 55,579,410 55,481,333 55,931,826 56,105,308 56,197,203 56,215,855 2012 58,906,914 57,065,729 58,189,739 58,948,536 59,198,853 59,349,565 2013 56,032,148 54,437,453 54,596,140 54,646,648 54,895,024 2014 56,959,650 55,838,367 57,379,721 57,550,192 2015 55,582,482 53,662,187 54,793,731 2016 57,947,288 55,814,659 2017 56,806,920

Age-to-Age Factors


2006 0.95455 1.00960 1.01104 1.00793 1.00349 1.00408 1.00184 1.00338 1.00099 0.99968 1.000412007 0.95851 1.02027 0.99981 1.00576 1.00120 1.00267 1.00142 1.00295 1.00126 1.000542008 1.01399 1.02080 1.00666 1.00537 1.00240 1.00073 1.00215 1.00127 1.002632009 0.98526 1.00539 1.00802 1.00880 1.00232 1.00165 1.00097 1.000432010 0.99271 1.00532 1.01084 1.00938 0.99972 0.99914 1.001192011 0.97373 0.99824 1.00812 1.00310 1.00164 1.000332012 0.96874 1.01970 1.01304 1.00425 1.002552013 0.97154 1.00292 1.00093 1.004552014 0.98031 1.02760 1.002972015 0.96545 1.021092016 0.963202017



Selection 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA Power Power Power Power Power Power PowerSelected ATA 0.96965 1.01720 1.00565 1.00396 1.00130 1.00262 1.00175 1.00116 1.00077 1.00052 1.00034 1.00068Cumulative 1.00499 1.03644 1.01891 1.01319 1.00919 1.00788 1.00524 1.00349 1.00232 1.00154 1.00102 1.00068


Exhibit D-4 Page 5


CW Private Passenger Auto - No Fault - Income LossIncurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 5,022,337 6,928,407 7,427,034 7,549,676 7,564,652 7,567,360 7,580,184 7,623,291 7,623,291 7,612,970 7,612,970 7,613,544 2007 4,867,814 6,740,519 7,392,476 7,627,799 7,725,051 7,796,105 7,812,607 7,817,383 7,822,949 7,807,949 7,807,949 2008 4,289,581 6,041,894 6,704,694 6,890,880 6,961,201 7,008,040 7,015,968 7,015,968 7,026,026 7,031,917 2009 4,003,110 5,553,785 6,129,568 6,360,879 6,576,090 6,585,837 6,586,022 6,591,632 6,597,428 2010 3,647,799 5,235,870 5,613,422 5,830,066 6,008,030 6,003,677 5,995,988 6,003,021 2011 3,638,123 5,089,283 5,513,029 5,690,437 5,809,592 5,927,242 5,976,558 2012 4,197,879 5,735,102 6,232,474 6,389,798 6,422,312 6,425,636 2013 3,682,443 5,020,885 5,206,344 5,270,196 5,293,641 2014 3,574,983 5,120,562 5,578,894 5,682,202 2015 3,724,575 5,148,857 5,482,742 2016 3,537,672 4,789,352 2017 3,285,627

Age-to-Age Factors


2006 1.37952 1.07197 1.01651 1.00198 1.00036 1.00169 1.00569 1.00000 0.99865 1.00000 1.000082007 1.38471 1.09672 1.03183 1.01275 1.00920 1.00212 1.00061 1.00071 0.99808 1.000002008 1.40850 1.10970 1.02777 1.01020 1.00673 1.00113 1.00000 1.00143 1.000842009 1.38737 1.10367 1.03774 1.03383 1.00148 1.00003 1.00085 1.000882010 1.43535 1.07211 1.03859 1.03053 0.99928 0.99872 1.001172011 1.39888 1.08326 1.03218 1.02094 1.02025 1.008322012 1.36619 1.08672 1.02524 1.00509 1.000522013 1.36347 1.03694 1.01226 1.004452014 1.43233 1.08951 1.018522015 1.38240 1.064852016 1.353812017



Selection 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA 3YR ATA Power Power PowerSelected ATA 1.38952 1.06376 1.01867 1.01016 1.00668 1.00236 1.00067 1.00101 0.99919 1.00024 1.00012 1.00012Cumulative 1.53687 1.10605 1.03975 1.02069 1.01043 1.00372 1.00136 1.00068 0.99967 1.00048 1.00024 1.00012


Exhibit D-4 Page 6


CW Private Passenger Auto - No Fault - Accidental DeathIncurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 1,101,395 1,129,410 1,133,315 1,140,907 1,134,012 1,134,150 1,134,250 1,134,250 1,141,750 1,141,750 1,141,750 1,141,750 2007 894,315 921,899 943,313 943,313 944,575 944,575 944,575 944,575 944,575 944,575 944,575 2008 1,070,835 1,128,136 1,130,636 1,130,636 1,130,636 1,130,636 1,130,636 1,130,636 1,130,636 1,130,636 2009 1,194,010 1,218,296 1,219,171 1,222,529 1,222,783 1,222,783 1,222,783 1,222,783 1,222,783 2010 819,664 890,630 890,786 890,858 890,858 890,858 890,858 890,858 2011 890,764 905,051 912,551 912,551 912,551 912,551 912,551 2012 977,806 1,001,591 999,091 999,091 999,091 999,091 2013 993,169 1,083,986 1,094,861 1,094,861 1,094,861 2014 992,427 1,025,077 1,047,077 1,047,077 2015 1,106,971 1,178,293 1,180,793 2016 990,435 992,546 2017 980,154

Age-to-Age Factors


2006 1.02544 1.00346 1.00670 0.99396 1.00012 1.00009 1.00000 1.00661 1.00000 1.00000 1.000002007 1.03084 1.02323 1.00000 1.00134 1.00000 1.00000 1.00000 1.00000 1.00000 1.000002008 1.05351 1.00222 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.000002009 1.02034 1.00072 1.00275 1.00021 1.00000 1.00000 1.00000 1.000002010 1.08658 1.00018 1.00008 1.00000 1.00000 1.00000 1.000002011 1.01604 1.00829 1.00000 1.00000 1.00000 1.000002012 1.02432 0.99750 1.00000 1.00000 1.000002013 1.09144 1.01003 1.00000 1.000002014 1.03290 1.02146 1.000002015 1.06443 1.002122016 1.002132017



Selection All YR ATA All YR ATA All YR ATA All YR ATA One One One One One One One OneSelected ATA 1.04017 1.00660 1.00118 0.99935 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000Cumulative 1.04759 1.00714 1.00053 0.99935 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000


Exhibit D-4 Page 7

Erie Insurance GroupData As Of: 08/31/2017

Pennsylvania Private Passenger Auto - UM BI (exc. AIP)Determination of Loss Development Factors





2006 11,045,709 1.001 11,057,307 11,045,709 1.001 11,057,197 11,057,290 1.0012007 11,054,615 1.001 11,067,438 11,054,615 1.001 11,067,217 11,067,405 1.0012008 8,168,812 1.001 8,180,248 8,168,812 1.001 8,180,330 8,180,260 1.0012009 7,797,511 1.002 7,812,638 7,687,510 1.002 7,703,731 7,796,302 1.0002010 8,266,660 1.003 8,292,782 8,265,160 1.004 8,297,146 8,293,437 1.0032011 7,809,885 1.006 7,855,963 7,809,885 1.015 7,925,783 7,866,436 1.0072012 9,138,241 1.011 9,243,148 9,078,241 1.022 9,280,051 9,248,684 1.0122013 10,172,561 1.017 10,348,953 9,917,561 1.046 10,375,554 10,352,943 1.0182014 7,748,485 1.059 8,203,089 7,013,419 1.127 7,900,968 8,157,771 1.0532015 7,831,894 1.136 8,895,466 7,089,192 1.343 9,517,666 8,988,796 1.1482016 6,935,407 1.377 9,547,420 4,499,841 2.103 9,461,230 9,534,491 1.3752017 4,121,695 2.877 11,859,558 1,139,195 15.154 17,263,322 12,670,123 3.074


Exhibit D-4 Page 8


Pennsylvania Private Passenger Auto - UM BI (exc. AIP)Incurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 3,905,330 7,902,008 9,819,259 10,577,443 10,824,783 10,885,240 11,082,630 11,101,343 11,091,326 11,066,222 11,051,878 11,045,709 2007 3,997,738 8,127,174 9,661,237 10,532,393 11,205,535 11,200,899 11,184,851 11,191,594 11,060,308 11,058,592 11,054,615 2008 2,217,800 5,566,720 6,952,868 7,491,590 7,825,691 7,829,427 7,923,368 7,895,128 7,891,555 8,168,812 2009 3,272,563 5,963,045 7,015,750 7,405,048 7,566,001 7,744,155 7,748,821 7,772,193 7,797,511 2010 3,559,330 6,172,221 7,155,916 7,702,320 8,177,590 8,227,625 8,232,452 8,266,660 2011 2,503,916 5,445,899 6,357,008 7,098,145 7,718,829 7,797,027 7,809,885 2012 2,907,273 7,523,249 8,800,785 9,112,883 9,142,126 9,138,241 2013 3,163,643 7,576,392 9,428,719 9,877,404 10,172,561 2014 3,385,879 6,008,862 7,087,953 7,748,485 2015 2,916,452 5,811,436 7,831,894 2016 3,111,240 6,935,407 2017 4,121,695

Age-to-Age Factors


2006 2.02339 1.24263 1.07721 1.02338 1.00559 1.01813 1.00169 0.99910 0.99774 0.99870 0.999442007 2.03294 1.18876 1.09017 1.06391 0.99959 0.99857 1.00060 0.98827 0.99984 0.999642008 2.51002 1.24901 1.07748 1.04460 1.00048 1.01200 0.99644 0.99955 1.035132009 1.82213 1.17654 1.05549 1.02174 1.02355 1.00060 1.00302 1.003262010 1.73410 1.15937 1.07636 1.06170 1.00612 1.00059 1.004162011 2.17495 1.16730 1.11659 1.08744 1.01013 1.001652012 2.58773 1.16981 1.03546 1.00321 0.999582013 2.39483 1.24449 1.04759 1.029882014 1.77468 1.17958 1.093192015 1.99264 1.347672016 2.229152017



Selection All YR ATA All YR ATA All YR ATA All YR ATA All YR ATA All YR ATA Weibull Weibull Weibull Weibull Weibull WeibullSelected ATA 2.09015 1.21203 1.07286 1.04063 1.00580 1.00554 1.00273 1.00121 1.00054 1.00024 1.00011 1.00005Cumulative 2.87735 1.37662 1.13580 1.05867 1.01734 1.01148 1.00590 1.00316 1.00194 1.00140 1.00116 1.00105


Exhibit D-4 Page 9


Pennsylvania Private Passenger Auto - UM BI (exc. AIP)Paid Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 1,035,470 5,344,007 8,939,147 10,137,943 10,517,283 10,572,740 10,710,030 11,038,743 11,043,726 11,063,622 11,051,878 11,045,709 2007 1,042,078 5,842,196 8,105,137 9,330,392 10,361,535 10,499,399 10,699,851 10,756,594 11,060,308 11,058,592 11,054,615 2008 385,396 3,903,417 6,117,365 6,997,090 7,643,691 7,689,427 7,738,368 7,770,128 7,766,555 8,168,812 2009 1,511,992 4,326,362 6,238,749 6,873,547 7,241,000 7,539,154 7,543,821 7,622,193 7,687,510 2010 1,991,584 4,616,570 6,253,415 7,301,319 8,006,339 8,186,125 8,230,952 8,265,160 2011 638,765 3,855,148 5,540,506 6,569,645 7,548,579 7,772,027 7,809,885 2012 993,322 3,850,373 6,604,785 8,788,383 8,918,126 9,078,241 2013 684,843 5,717,240 7,996,052 9,265,904 9,917,561 2014 516,424 4,337,657 6,284,597 7,013,419 2015 627,802 3,872,886 7,089,192 2016 486,790 4,499,841 2017 1,139,195

Age-to-Age Factors


2006 5.16095 1.67274 1.13411 1.03742 1.00527 1.01299 1.03069 1.00045 1.00180 0.99894 0.999442007 5.60630 1.38734 1.15117 1.11051 1.01331 1.01909 1.00530 1.02824 0.99984 0.999642008 10.12834 1.56718 1.14381 1.09241 1.00598 1.00636 1.00410 0.99954 1.051792009 2.86137 1.44203 1.10175 1.05346 1.04118 1.00062 1.01039 1.008572010 2.31804 1.35456 1.16757 1.09656 1.02246 1.00548 1.004162011 6.03531 1.43717 1.18575 1.14901 1.02960 1.004872012 3.87626 1.71536 1.33061 1.01476 1.017952013 8.34825 1.39859 1.15881 1.070332014 8.39940 1.44885 1.115972015 6.16896 1.830472016 9.243902017



Selection 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA 5YR ATA Weibull Weibull Weibull Weibull WeibullSelected ATA 7.20735 1.56609 1.19174 1.07682 1.02343 1.00728 1.01093 1.00176 1.00070 1.00027 1.00010 1.00004Cumulative 15.15397 2.10257 1.34256 1.12655 1.04618 1.02223 1.01484 1.00387 1.00211 1.00141 1.00114 1.00104


Exhibit D-4 Page 10

Erie Insurance GroupData As Of: 08/31/2017

Pennsylvania Private Passenger Auto - UIM BI (exc. AIP)Determination of Loss Development Factors





2006 68,572,145 1.001 68,668,146 68,522,144 1.002 68,637,946 68,663,616 1.0012007 56,625,180 1.002 56,746,924 56,625,180 1.003 56,797,887 56,754,569 1.0022008 50,838,974 1.004 51,021,486 50,667,974 1.006 50,957,794 51,011,932 1.0032009 55,498,415 1.006 55,850,274 55,083,414 1.011 55,684,924 55,825,472 1.0062010 49,058,969 1.012 49,628,543 48,566,969 1.021 49,587,846 49,622,439 1.0112011 45,791,746 1.019 46,670,489 45,213,745 1.035 46,816,120 46,692,334 1.0202012 57,797,790 1.035 59,836,318 56,547,290 1.070 60,477,327 59,932,469 1.0372013 49,959,004 1.063 53,116,913 47,818,503 1.138 54,412,197 53,311,206 1.0672014 53,485,311 1.141 61,043,320 48,680,883 1.294 62,969,209 61,332,204 1.1472015 43,083,065 1.311 56,472,420 35,778,178 1.617 57,844,012 56,678,159 1.3162016 33,013,019 1.787 59,009,120 21,590,823 2.856 61,665,119 59,407,520 1.8002017 14,582,697 3.928 57,286,229 2,676,097 15.507 41,497,967 54,917,990 3.766


Exhibit D-4 Page 11


Pennsylvania Private Passenger Auto - UIM BI (exc. AIP)Incurred Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 17,711,831 37,959,857 50,635,715 58,707,127 64,086,998 65,981,749 66,986,127 67,653,530 67,964,299 68,386,793 68,425,676 68,572,145 2007 18,264,405 34,166,580 47,324,294 51,435,727 53,739,064 55,398,015 55,946,072 56,271,459 56,448,824 56,493,553 56,625,180 2008 15,276,436 30,519,603 40,519,670 45,989,378 48,169,914 49,134,304 50,311,172 50,463,603 50,785,172 50,838,974 2009 16,042,349 34,905,479 44,073,691 49,274,198 52,525,093 54,134,911 54,735,499 55,416,254 55,498,415 2010 14,935,358 27,647,726 36,884,477 41,875,423 45,500,710 47,462,693 48,755,648 49,058,969 2011 11,156,726 24,788,537 34,346,029 40,699,453 43,987,196 45,486,391 45,791,746 2012 15,521,369 33,221,086 45,878,164 53,125,359 57,391,594 57,797,790 2013 11,379,653 31,564,610 41,886,406 47,415,123 49,959,004 2014 15,185,599 35,542,094 47,240,761 53,485,311 2015 17,513,348 30,871,883 43,083,065 2016 16,746,232 33,013,019 2017 14,582,697

Age-to-Age Factors


2006 2.14319 1.33393 1.15940 1.09164 1.02957 1.01522 1.00996 1.00459 1.00622 1.00057 1.002142007 1.87066 1.38510 1.08688 1.04478 1.03087 1.00989 1.00582 1.00315 1.00079 1.002332008 1.99782 1.32766 1.13499 1.04741 1.02002 1.02395 1.00303 1.00637 1.001062009 2.17583 1.26266 1.11800 1.06598 1.03065 1.01109 1.01244 1.001482010 1.85116 1.33409 1.13531 1.08657 1.04312 1.02724 1.006222011 2.22185 1.38556 1.18498 1.08078 1.03408 1.006712012 2.14035 1.38100 1.15797 1.08031 1.007082013 2.77378 1.32701 1.13199 1.053652014 2.34051 1.32915 1.132192015 1.76276 1.395542016 1.971372017





Exhibit D-4 Page 12


Pennsylvania Private Passenger Auto - UIM BI (exc. AIP)Paid Loss and Paid Loss Adjustment Expense 8/31/2017

Accident Year @12 @24 @36 @48 @60 @72 @84 @96 @108 @120 @132 @144

2006 3,449,517 21,521,647 40,341,659 52,392,437 60,189,260 63,252,212 65,716,590 67,009,992 67,518,296 68,039,292 68,153,175 68,522,144 2007 5,519,520 24,145,817 41,013,525 47,444,123 50,443,928 53,890,388 55,075,570 55,939,458 56,246,823 56,383,553 56,625,180 2008 3,462,332 20,450,398 32,323,262 41,142,465 45,468,287 47,761,703 49,531,671 49,972,603 50,644,172 50,667,974 2009 4,664,898 20,887,348 35,035,925 43,699,134 49,898,933 52,938,409 54,083,499 55,006,253 55,083,414 2010 2,708,483 17,743,806 29,886,642 36,895,678 41,516,650 45,551,560 48,120,148 48,566,969 2011 2,751,723 15,356,480 28,115,426 35,754,622 40,397,856 44,008,390 45,213,745 2012 3,356,743 21,145,843 37,224,131 46,527,359 55,341,094 56,547,290 2013 3,292,035 18,077,513 34,593,705 43,574,523 47,818,503 2014 4,267,598 24,753,313 39,460,828 48,680,883 2015 5,077,054 20,635,094 35,778,178 2016 3,931,538 21,590,823 2017 2,676,097

Age-to-Age Factors


2006 6.23903 1.87447 1.29872 1.14882 1.05089 1.03896 1.01968 1.00759 1.00772 1.00167 1.005412007 4.37462 1.69858 1.15679 1.06323 1.06832 1.02199 1.01569 1.00549 1.00243 1.004292008 5.90654 1.58057 1.27284 1.10514 1.05044 1.03706 1.00890 1.01344 1.000472009 4.47756 1.67738 1.24727 1.14187 1.06091 1.02163 1.01706 1.001402010 6.55120 1.68434 1.23452 1.12524 1.09719 1.05639 1.009292011 5.58068 1.83085 1.27171 1.12986 1.08937 1.027392012 6.29951 1.76035 1.24992 1.18943 1.021802013 5.49129 1.91363 1.25961 1.097402014 5.80029 1.59416 1.233652015 4.06438 1.733852016 5.491702017





Exhibit D-4 Page 13


Line of Business: Personal Auto

State: Pennsylvania

Data as of: December 31, 2015

Development of Natural Catastrophe Loading Factor

(1) (2) (3) (4) (5) (6)

Input Input Input InputCol. (1) - {Col. (2)+Col. (3)+Col. (4)}

[ {Col. (2) + Col. (3) +

Col. (4) } / Col. (5)]

Year

Case IncurredNet Loss and DCC:

All Perils


Hurricane Catastrophe

Perils


ThunderstormCatastrophe

Perils


Winter StormCatastrophe

Perils


All Non-Catastrophe

Perils

All PerilsHistorical

CatastropheLoad

1989 - - - - - -

1990 - - - - - -

1991 - - - - - -

1992 - - - - - -

1993 - - - - - -

1994 - - - - - -

1995 - - - - - -

1996 - - - - - -

1997 - - - - - -

1998 54,842,530 - 3,379,016 2,363 51,461,150 6.6%

1999 58,178,749 897,275 1,513,956 157,341 55,610,177 4.6%

2000 59,598,219 - 3,000,673 509,093 56,088,453 6.3%

2001 63,553,767 - 2,573,278 121,935 60,858,554 4.4%

2002 66,774,070 - 2,032,060 238,755 64,503,255 3.5%

2003 73,150,387 522,230 1,572,115 24,257 71,031,785 3.0%

2004 74,289,872 6,886,916 1,638,733 254,523 65,509,700 13.4%

2005 62,651,327 - 948,103 124,628 61,578,596 1.7%

2006 63,704,903 57,705 1,948,380 380,819 61,318,000 3.9%

2007 69,442,459 - 6,697,937 265,025 62,479,497 11.1%

2008 69,704,334 810,703 3,828,247 363,632 64,701,752 7.7%

2009 71,080,223 - 1,957,866 3,063,012 66,059,346 7.6%

2010 84,409,184 - 11,705,432 800,695 71,903,058 17.4%

2011 108,119,553 1,148,086 20,944,720 7,549,785 78,476,962 37.8%

2012 94,618,530 2,395,347 13,429,809 168,893 78,624,481 20.3%

2013 88,207,063 - 2,806,188 - 85,400,875 3.3%

2014 154,033,951 - 58,640,977 906,893 94,486,080 63.0%

2015 99,110,451 - 3,524,284 101,709 95,484,457 3.8%

All 1,415,469,571 15,033,357 1,245,576,177

Erie Catastrophe Load Based on Actual Experience: 1.0% 11.4% 1.2%

Catastrophe Load based on Catastrophe Model: 0.2% 7.6% 1.2%

Selected Cat Load by peril: 0.2% 11.0% 1.2%

Sum of Hurricane, Thunderstorm, Winter Storm Credibility-Weighted Catastrophe Loads: 12.4%

Selected Catastrophe Loading Factor: 1.124

Exhibit D-5Page 1

ERIE INSURANCE GROUP 10/13/16JAB

(1) (2) (3) = (2)/(1)

Incurred Lossand Incurred Incurred AO

Defense and Cost Adjusting and Other /Year Containment Expense Expense Incurred Loss & DCC

2013 887,713,432 113,750,803 12.8%2014 894,751,602 120,909,732 13.5%2015 1,025,512,027 127,489,808 12.4%

SELECTEDTOTAL 2,807,977,061 362,150,343 12.9% 12.9%

(1) (2) (3) = (2)/(1)

Incurred Lossand Incurred Incurred AO

Defense and Cost Adjusting and Other /Year Containment Expense Expense Incurred Loss & DCC

2013 558,213,921 85,258,211 15.3%2014 726,512,147 96,302,960 13.3%2015 728,744,223 99,184,240 13.6%

SELECTEDTOTAL 2,013,470,291 280,745,411 13.9% 13.9%

Physical Damage Losses

Liability Losses

PRIVATE PASSENGER AUTOMOBILE

Development of Adjusting and Other Expense Factors

\\erieinsurance.com\HO\actuarial\DATA\PricingExpenseLoadings\2016Basedon2015AndPrior\AdjAndOtherLossAdjExpense\AdjAndOther 2016BasedOn2015AndPrior WO LitigationExpense Restated2010 final used in indications.xlsx Exhibit D-6


PENNSYLVANIA PRIVATE PASSENGER AUTO Section E Expenses Exhibit E-1, Development of Permissible Loss Ratio The permissible loss ratio is 100% minus the expense and reserve for surplus loading. The commission ratio and the taxes, licenses & fees ratio relate to written premium; the other acquisition & general expense ratio relates to earned premium. Separate permissible loss ratios are calculated for liability coverages (page 1) and for physical damage coverages (page 2). The provision for commissions is based on the current commission rate, our bonus plan, and average expenditures over the past three years for the other commission components. The provision for general expenses is based on an equal weighting of the general expense ratio over the most recent three years and the planned expense ratio for the coming year. The provision for taxes is based on expectation of guaranty-fund assessment amounts and taxes, licenses, and fees. Fixed expenses are expenses that are not directly related to premiums. We consider 75% of other acquisition and general expense costs to be fixed expenses. Variable expenses include commissions, taxes, licenses and fees, and the remaining 25% of other acquisition and general expense costs. Variable expenses also include a reserve for surplus that provides for an appropriate total after tax return. The development of the reserve for surplus provision considers investment income (including realized capital gains).


2013 2014 2015 Selected

State Direct Premium Written $546,697,389 $553,303,218 $557,716,944

State Direct Premium Earned $547,057,709 $548,394,134 $556,075,847

State Commission Expense (W) $67,366,189 12.3% $68,531,996 12.4% $68,352,267 12.3% 12.4%

State General and Other Acquisition Expense (E) $34,580,942 6.3% $34,577,677 6.3% $34,624,262 6.2% 6.4%

State Taxes, Licenses, & Fees Expense (W) $12,684,528 2.3% $9,445,020 1.7% $12,634,058 2.3% 2.3%

Total Expenses 21.1%

Reserve for Surplus at Required P:S Ratio -0.4%

Total Expense and Reserve for Surplus 20.7%

Permissible Loss Ratio 79.3%

Fixed Expense: (75% of General and Other Acquisition Expense) 4.8%

Variable Expense: (Total Expenses - Fixed Expenses) 16.3%

Variable Expense and Reserve for Surplus: (Total Expenses and Reserve for Surplus - Fixed Expenses) 15.9%

Pennsylvania

Voluntary Personal Auto

Liability

DEVELOPMENT OF PERMISSIBLE LOSS RATIO

All ERIE Companies

Ratios are based on Written Premium (W) or Earned Premium (E) as applicable.

\\erieinsurance.com\HO\actuarial\DATA\PricingExpenseLoadings\2016Basedon2015AndPrior\PermissiblesAndBreakevens\MakePermissiblesExhibit\MakePermissiblesExhibit 2016BasedOn2015AndPrior.xlsm 9/8/2016

Exhibit E-1 Page 1


2013 2014 2015 Selected

State Direct Premium Written $436,397,836 $458,034,379 $485,074,892

State Direct Premium Earned $424,880,274 $447,632,338 $470,206,163

State Commission Expense (W) $52,452,737 12.0% $56,039,097 12.2% $58,848,373 12.1% 12.4%

State General and Other Acquisition Expense (E) $27,335,342 6.4% $28,659,406 6.4% $29,702,995 6.3% 6.4%

State Taxes, Licenses, & Fees Expense (W) $9,760,171 2.2% $7,502,316 1.6% $10,507,908 2.2% 2.3%

Total Expenses 21.1%

Reserve for Surplus at Required P:S Ratio 2.5%

Total Expense and Reserve for Surplus 23.6%

Permissible Loss Ratio 76.4%

Fixed Expense: (75% of General and Other Acquisition Expense) 4.8%

Variable Expense: (Total Expenses - Fixed Expenses) 16.3%

Variable Expense and Reserve for Surplus: (Total Expenses and Reserve for Surplus - Fixed Expenses) 18.8%

Pennsylvania


Physical Damage

DEVELOPMENT OF PERMISSIBLE LOSS RATIO

All ERIE Companies

Ratios are based on Written Premium (W) or Earned Premium (E) as applicable.


Exhibit E-1 Page 2


PENNSYLVANIA PRIVATE PASSENGER AUTO Section F Reserve for Surplus Provision The Erie Insurance Group is an insurer with a strong sense of responsibility to serve our Policyholders. In order to meet our obligations, we must continue to provide an adequate net worth. The provision in our rates for a reserve for surplus is established to generate a reasonable increase in net worth. The result is that net income after taxes will be both fair and adequate to assure our continued financial soundness. We believe a 10% after-tax target rate of return on surplus worth is comparable to other investment opportunities with a similar degree of risk. Exhibit F-1, Reserve for Surplus The reserve for surplus provision needed to produce the target rate of return is developed on Exhibit F-1. The procedure adjusts the target rate of return on surplus to a target rate of return on premium. This target rate is then adjusted for the income tax we expect to pay to get a before-tax target rate of return. Investment income earned from loss reserves, unearned premium reserves, and surplus is subtracted to determine the amount of gain from underwriting necessary to achieve the target return. The reserve for surplus provision is used in our Permissible Loss Ratio exhibit found in Section E. We have not included a contingency provision in the reserve for surplus provision. A contingency allows for adverse fluctuations from the expected results. Because we have not included an allowance for contingencies, our reserve for surplus provision and our resulting rate need are lower than would occur with a contingency loading. Exhibit F-2, Investment Income This exhibit describes the calculation of investment income used in the development of rate level indications. Pages 1-3 show the development of investment income for the liability coverages subject to the effects of the 1986 Tax Reform Act. Pages 4-6 show the same development for the physical damage coverages. We have reflected provisions such as the tax on discounted loss reserves and the tax on mean unearned premium reserves. Pages 3 and 6 show the average rate of return over the last ten years for all coverages.


TOTAL

1. Target Rate of Return on Surplus (after tax) 10.0%

2. Premium / Surplus Ratio 2.36

3. Target Return on Premium (after tax) 4.2%

4. Tax Rate 28.0%

5. Target Rate of Return on Premium (before tax) 5.8%

6. Investment Income on PolicyHolder Funds Held as a Percentage of Earned Premium 3.4% (Loss and Loss Adjustment Expense Reserves, Unearned Premium Reserves) Includes Realized Capital Gains

7. Investment Income on PolicyHolder Surplus as a Percentage of Earned Premium 2.8% Includes Realized Capital Gains

8. Reserve for Surplus Provision -0.4%

Sources:1. Required Rate of Return2. Required P:S Ratio3. (1) / (2)4. Exhibit F-2, Page 35. (3) / (1 - (4))6. Exhibit F-2, Page 37. Average Rate of Return (Exhibit F-2, Page 3) / Premium to Surplus Ratio (Required P:S Ratio)8. (5) - (6) - (7)

Pennsylvania


RESERVE FOR SURPLUS PROVISION

Liability

All ERIE Companies


Exhibit F-1 Page 1


TOTAL

1. Target Rate of Return on Surplus (after tax) 10.0%

2. Premium / Surplus Ratio 2.36

3. Target Return on Premium (after tax) 4.2%

4. Tax Rate 28.0%

5. Target Rate of Return on Premium (before tax) 5.8%

6. Investment Income on PolicyHolder Funds Held as a Percentage of Earned Premium 0.5% (Loss and Loss Adjustment Expense Reserves, Unearned Premium Reserves) Includes Realized Capital Gains

7. Investment Income on PolicyHolder Surplus as a Percentage of Earned Premium 2.8% Includes Realized Capital Gains

8. Reserve for Surplus Provision 2.5%

Sources:1. Required Rate of Return2. Required P:S Ratio3. (1) / (2)4. Exhibit F-2, Page 65. (3) / (1 - (4))6. Exhibit F-2, Page 67. Average Rate of Return (Exhibit F-2, Page 6) / Premium to Surplus Ratio (Required P:S Ratio)8. (5) - (6) - (7)

Pennsylvania


RESERVE FOR SURPLUS PROVISION

Physical Damage

All ERIE Companies


Exhibit F-1 Page 2


2013 2014 2015

A. Unearned Premium Reserve

1. Direct Earned Premium $1,225,182,793 $1,294,981,603 $1,366,778,286

2a. Unearned Premium Reserves as of 12/31 Prior Year $602,401,669 $637,378,421 $676,112,566

2b. Unearned Premium Reserves as of 12/31 Current Year $637,378,421 $676,112,566 $710,643,110

3. Mean Unearned Premium Reserve: ((2a)+(2b)) / 2 $619,890,045 $656,745,494 $693,377,838

4. Tax on Mean Unearned Premium Reserve: $2,448,373 $2,711,390 $2,417,13835% x [ 0.2 x ( (2b) - (2a) ) ]

5. Mean Unearned Premium Reserve after tax: (3) - (4) $617,441,672 $654,034,104 $690,960,700

6. Deduction for Prepaid ExpensesCommission and Brokerage Expenses 12.4% 12.4% 12.4%Taxes, Licenses, and Fees 2.3% 2.3% 2.3%75% of General and Other Acquisition Expense 4.8% 4.8% 4.8%

Total 19.5% 19.5% 19.5%

7. Prepaid Expenses: (5) x (6) $120,401,126 $127,536,650 $134,737,337

8. Net Subject to Investment: (5) - (7) $497,040,546 $526,497,454 $556,223,363

NOTE: Expense Ratios are Selected Ratios from Development of Permissible Loss Ratio Exhibit E-1, Page 1.

Pennsylvania


ESTIMATED INVESTMENT EARNINGS ON UNEARNED PREMIUM RESERVES AND ON LOSS & LAE RESERVES

Liability


Exhibit F-2 Page 1


2013 2014 2015

B. Delayed Remission of Premium (Agents' Balances)

1. Direct Earned Premium for All States and All Lines of Business $4,845,197,380 $5,283,723,960 $5,722,248,162

2a. Net Agents' Balances as of 12/31 Prior Year $1,082,847,278 $1,184,902,788 $1,300,719,145

2b. Net Agents' Balances as of 12/31 Current Year $1,184,902,788 $1,300,719,145 $1,384,466,377

3. Mean Agents' Balances: ((2a)+(2b)) / 2 $1,133,875,033 $1,242,810,967 $1,342,592,761

4. Ratio: (3) / (1) 0.234 0.235 0.235

5. Direct Earned Premium for Line of Business: (A1) $1,225,182,793 $1,294,981,603 $1,366,778,286

6. Delayed Remission: (4) x (5) $286,692,774 $304,320,677 $321,192,897

Note: The above Net Agents' Balances Include Those Balances or Uncollected Premium Overdue for more than 90 days.

C. Loss & Loss Adjustment Expense Reserves

1a. Loss & LAE Reserves as of 12/31 Prior Year $1,156,495,632 $1,225,634,675 $1,243,136,603

1b. Loss & LAE Reserves as of 12/31 Current Year $1,225,634,675 $1,243,136,603 $1,307,973,846

2. Mean Loss & LAE Reserve: ((1a)+(1b)) / 2 $1,191,065,154 $1,234,385,639 $1,275,555,225

D. Tax on Difference in Discounted Loss & Loss Adjustment Expense Reserve Changes

1a. Loss & LAE Reserves as of 12/31 Prior Year $1,156,495,632 $1,225,634,675 $1,243,136,603

1b. Loss & LAE Reserves as of 12/31 Current Year $1,225,634,675 $1,243,136,603 $1,307,973,846

2. Change in Loss & LAE Reserves: (1b) - (1a) $69,139,043 $17,501,928 $64,837,243

3. Discount Factor 0.960 0.960 0.970

4. Discounted Change in Reserve: (2) x (3) $66,373,481 $16,801,851 $62,892,126

5. Difference: (2) - (4) $2,765,562 $700,077 $1,945,117

6. Tax: 35% x (5) $967,947 $245,027 $680,791

Note: Discount Factor in D-3 is IRS Loss Reserve Discount Factor from Federal Income Tax Returns.

Pennsylvania


ESTIMATED INVESTMENT EARNINGS ON UNEARNED PREMIUM RESERVES AND ON LOSS & LAE RESERVES (Continued)

Liability


Exhibit F-2 Page 2


2013 2014 2015 Selected

E. Net Subject to Investment

(A8) - (B6) + (C2) - (D6) $1,400,444,979 $1,456,317,389 $1,509,904,900

F. Selected Rate of Return 3.0% 3.0% 3.0%

G. Investment Earnings on Net Subject to Investment

(E) x (F) $42,013,349 $43,689,522 $45,297,147

H. Average Rate of Return as a Percentage of Direct Earned Premium

(G) / (A1) 3.4% 3.4% 3.3% 3.4%

I. Average Federal Income Tax Rate

Net Income Federal & Foreign Average FederalAfter Dividends Income Taxes Income Tax

Year to Policyholders Incurred Rate

2006 $720,069,205 $190,929,770 26.5%2007 $981,035,231 $329,397,859 33.6%2008 -$139,969,087 $231,666,964 N/A2009 $39,443,773 $77,291,378 196.0%2010 $580,139,976 $25,018,342 4.3%2011 $211,272,648 $19,338,337 9.2%2012 $338,766,984 $13,697,823 4.0%2013 $630,163,400 $132,769,334 21.1%2014 $435,857,957 $69,937,461 16.0%2015 $660,065,307 $173,382,311 26.3%Total* $4,456,845,394 $1,263,429,579 28.3% 28.0%

J. Average Rate of Return

Net Investment* Mean Cash &Year Income Earned Invested Assets Rate of Return

20052006 $452,635,619 $8,635,034,679 5.2%2007 $526,906,753 $9,159,104,708 5.8%2008 -$379,879,566 $8,715,222,601 -4.4%2009 $12,866,749 $8,437,534,301 0.2%2010 $578,000,440 $9,133,506,674 6.3%2011 $583,124,806 $9,497,440,067 6.1%2012 $571,211,714 $9,926,802,332 5.8%2013 $573,635,711 $10,939,471,507 5.2%2014 $550,574,721 $11,914,411,268 4.6%2015 $560,348,399 $12,479,634,886 4.5%Total $4,029,425,346 $98,838,163,023 4.1% 4.5%

* Includes Net Realized Capital Gains Rate of Return-Reserves 3.0%Rate of Return-Surplus 6.5%


Pennsylvania


Liability


Exhibit F-2 Page 3


2013 2014 2015

A. Unearned Premium Reserve

1. Direct Earned Premium $923,270,358 $991,158,708 $1,066,363,097

2a. Unearned Premium Reserves as of 12/31 Prior Year $446,889,695 $480,871,279 $516,493,103

2b. Unearned Premium Reserves as of 12/31 Current Year $480,871,279 $516,493,103 $562,445,982

3. Mean Unearned Premium Reserve: ((2a)+(2b)) / 2 $463,880,487 $498,682,191 $539,469,543

4. Tax on Mean Unearned Premium Reserve: $2,378,711 $2,493,528 $3,216,70135% x [ 0.2 x ( (2b) - (2a) ) ]

5. Mean Unearned Premium Reserve after tax: (3) - (4) $461,501,776 $496,188,663 $536,252,842

6. Deduction for Prepaid ExpensesCommission and Brokerage Expenses 12.4% 12.4% 12.4%Taxes, Licenses, and Fees 2.3% 2.3% 2.3%75% of General and Other Acquisition Expense 4.8% 4.8% 4.8%

Total 19.5% 19.5% 19.5%

7. Prepaid Expenses: (5) x (6) $89,992,846 $96,756,789 $104,569,304

8. Net Subject to Investment: (5) - (7) $371,508,930 $399,431,874 $431,683,538

NOTE: Expense Ratios are Selected Ratios from Development of Permissible Loss Ratio Exhibit E-1, Page 2.

Pennsylvania


ESTIMATED INVESTMENT EARNINGS ON UNEARNED PREMIUM RESERVES AND ON LOSS & LAE RESERVES

Physical Damage


Exhibit F-2 Page 4


2013 2014 2015

B. Delayed Remission of Premium (Agents' Balances)

1. Direct Earned Premium for All States and All Lines of Business $4,845,197,380 $5,283,723,960 $5,722,248,162

2a. Net Agents' Balances as of 12/31 Prior Year $1,082,847,278 $1,184,902,788 $1,300,719,145

2b. Net Agents' Balances as of 12/31 Current Year $1,184,902,788 $1,300,719,145 $1,384,466,377

3. Mean Agents' Balances: ((2a)+(2b)) / 2 $1,133,875,033 $1,242,810,967 $1,342,592,761

4. Ratio: (3) / (1) 0.234 0.235 0.235

5. Direct Earned Premium for Line of Business: (A1) $923,270,358 $991,158,708 $1,066,363,097

6. Delayed Remission: (4) x (5) $216,045,264 $232,922,296 $250,595,328

Note: The above Net Agents' Balances Include Those Balances or Uncollected Premium Overdue for more than 90 days.

C. Loss & Loss Adjustment Expense Reserves

1a. Loss & LAE Reserves as of 12/31 Prior Year $13,437,981 -$3,714,533 $6,686,280

1b. Loss & LAE Reserves as of 12/31 Current Year -$3,714,533 $6,686,280 $11,261,811

2. Mean Loss & LAE Reserve: ((1a)+(1b)) / 2 $4,861,724 $1,485,874 $8,974,046

D. Tax on Difference in Discounted Loss & Loss Adjustment Expense Reserve Changes

1a. Loss & LAE Reserves as of 12/31 Prior Year $13,437,981 -$3,714,533 $6,686,280

1b. Loss & LAE Reserves as of 12/31 Current Year -$3,714,533 $6,686,280 $11,261,811

2. Change in Loss & LAE Reserves: (1b) - (1a) -$17,152,514 $10,400,813 $4,575,531

3. Discount Factor 0.988 0.990 0.991

4. Discounted Change in Reserve: (2) x (3) -$16,946,684 $10,296,805 $4,534,351

5. Difference: (2) - (4) -$205,830 $104,008 $41,180

6. Tax: 35% x (5) -$72,041 $36,403 $14,413

Note: Discount Factor in D-3 is IRS Loss Reserve Discount Factor from Federal Income Tax Returns.

Pennsylvania



Physical Damage


Exhibit F-2 Page 5


2013 2014 2015 Selected

E. Net Subject to Investment

(A8) - (B6) + (C2) - (D6) $160,397,431 $167,959,049 $190,047,843

F. Selected Rate of Return 3.0% 3.0% 3.0%

G. Investment Earnings on Net Subject to Investment

(E) x (F) $4,811,923 $5,038,771 $5,701,435

H. Average Rate of Return as a Percentage of Direct Earned Premium

(G) / (A1) 0.5% 0.5% 0.5% 0.5%

I. Average Federal Income Tax Rate

Net Income Federal & Foreign Average FederalAfter Dividends Income Taxes Income Tax

Year to Policyholders Incurred Rate

2006 $720,069,205 $190,929,770 26.5%2007 $981,035,231 $329,397,859 33.6%2008 -$139,969,087 $231,666,964 N/A2009 $39,443,773 $77,291,378 196.0%2010 $580,139,976 $25,018,342 4.3%2011 $211,272,648 $19,338,337 9.2%2012 $338,766,984 $13,697,823 4.0%2013 $630,163,400 $132,769,334 21.1%2014 $435,857,957 $69,937,461 16.0%2015 $660,065,307 $173,382,311 26.3%Total* $4,456,845,394 $1,263,429,579 28.3% 28.0%

J. Average Rate of Return

Net Investment* Mean Cash &Year Income Earned Invested Assets Rate of Return

20052006 $452,635,619 $8,635,034,679 5.2%2007 $526,906,753 $9,159,104,708 5.8%2008 -$379,879,566 $8,715,222,601 -4.4%2009 $12,866,749 $8,437,534,301 0.2%2010 $578,000,440 $9,133,506,674 6.3%2011 $583,124,806 $9,497,440,067 6.1%2012 $571,211,714 $9,926,802,332 5.8%2013 $573,635,711 $10,939,471,507 5.2%2014 $550,574,721 $11,914,411,268 4.6%2015 $560,348,399 $12,479,634,886 4.5%Total $4,029,425,346 $98,838,163,023 4.1% 4.5%

* Includes Net Realized Capital Gains Rate of Return-Reserves 3.0%Rate of Return-Surplus 6.5%


Pennsylvania


Physical Damage


Exhibit F-2 Page 6


PENNSYLVANIA PRIVATE PASSENGER AUTO Section G Rate Change History Exhibit G-1, Rate Change History Exhibit G-1, Pages 1-2 list the rate changes that have occurred during the experience period. Indicated changes are developed based on the Erie Insurance Group experience. Earned premiums are adjusted for past rate revisions to bring them to today's rate levels.

ERIE INSURANCE EXCHANGE

4/1/2013 6/1/2014 6/1/2015 6/1/2016 6/1/2017

Bodily Injury 4.4% 5.0% 0.1% -0.1% 0.4%

Property Damage 4.2% 6.6% 1.4% 10.7% 4.4%

Combined Single Limit 4.5% 5.7% 1.3% 5.4% 2.9%

Medical Expense 1.0% -2.3% 0.1% 0.0% 0.0%

Income Loss 0.6% -1.6% 0.0% 0.1% 0.2%

Accidental Death 0.8% -1.7% 0.0% 0.0% 0.0%

Funeral Benefit 1.1% -1.6% 0.0% 0.0% 0.0%

EMB 0.7% -1.5% 0.0% 0.0% 0.0%

FPB - Package 0.9% -2.4% 0.1% -0.3% 2.1%

UM -16.7% -18.2% 7.1% 1.5% 0.0%

UIM -17.1% -4.4% 5.4% 10.9% 5.3%

Comprehensive 3.9% 2.3% 1.2% 3.3% 1.4%

Collision -0.8% -1.8% -0.1% 0.0% -3.5%

Total 0.1% 1.2% 1.0% 3.4% 0.6%

Past Rate Changes - Exchange

Exhbit G-1Page 1

ERIE INSURANCE COMPANY

4/1/2013 6/1/2014 6/1/2015 6/1/2016 6/1/2017

Bodily Injury 13.1% 6.3% 3.2% 3.5% 12.9%

Property Damage 8.2% 8.0% 2.5% 14.2% 7.9%

Combined Single Limit 12.1% 7.0% 3.2% 9.0% 11.8%

Medical Expense 0.5% -0.4% 0.1% 1.0% 5.3%

Income Loss 2.0% 0.0% 0.0% 0.1% 0.4%

Accidental Death 0.4% 0.0% 0.0% 0.0% 0.0%

Funeral Benefit 0.0% 0.0% 0.0% 0.0% 0.0%

EMB 0.0% 0.0% 0.0% 0.0% 0.5%

FPB - Package 0.2% -0.4% 0.4% -1.8% 7.8%

UM -9.0% -17.1% 0.4% 2.3% 2.4%

UIM -5.1% -2.7% 0.6% 0.4% 7.0%

Comprehensive 7.6% 0.0% 1.5% 3.3% -1.1%

Collision -0.3% -5.1% -1.7% 3.1% -2.1%

Total 4.8% 1.2% 1.0% 5.6% 4.2%

Past Rate Changes - Company

Exhibit G-1Page 2

PRIVATE PASSENGER AUTO PA RPE ORDER OF CALCULATION

ERIE INSURANCE EXCHANGE 103 EFFECTIVE: 6/1/18

Comp RPE Cluster Minimum Comp RPE Factor Maximum Comp RPE Factor

1 0.0754992 0.075500 0.0854993 0.085500 0.0934994 0.093500 0.1004995 0.100500 0.1074996 0.107500 0.1154997 0.115500 0.1224998 0.122500 0.1304999 0.130500 0.137499

10 0.137500 0.14549911 0.145500 0.15349912 0.153500 0.16049913 0.160500 0.16949914 0.169500 0.17649915 0.176500 0.18549916 0.185500 0.19249917 0.192500 0.20149918 0.201500 0.20949919 0.209500 0.21849920 0.218500 0.22649921 0.226500 0.23649922 0.236500 0.24449923 0.244500 0.25449924 0.254500 0.26349925 0.263500 0.27349926 0.273500 0.28249927 0.282500 0.29349928 0.293500 0.30249929 0.302500 0.31349930 0.313500 0.32349931 0.323500 0.33449932 0.334500 0.34449933 0.344500 0.35549934 0.355500 0.36549935 0.365500 0.37749936 0.377500 0.38749937 0.387500 0.39949938 0.399500 0.40949939 0.409500 0.42149940 0.421500 0.43249941 0.432500 0.44449942 0.444500 0.45649943 0.456500 0.46749944 0.467500 0.47849945 0.478500 0.49049946 0.490500 0.50349947 0.503500 0.51549948 0.515500 0.529499



Comp RPE Cluster Minimum Comp RPE Factor Maximum Comp RPE Factor

49 0.529500 0.54249950 0.542500 0.55749951 0.557500 0.57149952 0.571500 0.58749953 0.587500 0.60349954 0.603500 0.62049955 0.620500 0.63849956 0.638500 0.65649957 0.656500 0.67549958 0.675500 0.69649959 0.696500 0.71749960 0.717500 0.74049961 0.740500 0.76349962 0.763500 0.78949963 0.789500 0.81549964 0.815500 0.84449965 0.844500 0.87249966 0.872500 0.90549967 0.905500 0.93549968 0.935500 0.97249969 0.972500 1.00349970 1.003500 1.04249971 1.042500 1.07549972 1.075500 1.11649973 1.116500 1.15149974 1.151500 1.19649975 1.196500 1.23549976 1.235500 1.28449977 1.284500 1.32949978 1.329500 1.38949979 1.389500 1.44249980 1.442500 1.51249981 1.512500 1.57249982 1.572500 1.66249983 1.662500 1.74049984 1.740500 1.89349985 1.893500 2.20049986 2.200500 2.50749987 2.507500 2.80249988 2.802500 3.09549989 3.095500 3.50049990 3.500500



Collision RPE

Cluster Minimum Comp RPE Factor Maximum Comp RPE Factor

1 0.0224992 0.022500 0.0234993 0.023500 0.0254994 0.025500 0.0274995 0.027500 0.0294996 0.029500 0.0314997 0.031500 0.0334998 0.033500 0.0364999 0.036500 0.040499

10 0.040500 0.04449911 0.044500 0.04949912 0.049500 0.05549913 0.055500 0.06149914 0.061500 0.06649915 0.066500 0.07149916 0.071500 0.07749917 0.077500 0.08449918 0.084500 0.09249919 0.092500 0.10249920 0.102500 0.11449921 0.114500 0.12649922 0.126500 0.13849923 0.138500 0.15049924 0.150500 0.16549925 0.165500 0.17749926 0.177500 0.19449927 0.194500 0.21049928 0.210500 0.22749929 0.227500 0.24449930 0.244500 0.26249931 0.262500 0.28249932 0.282500 0.30149933 0.301500 0.32749934 0.327500 0.34749935 0.347500 0.37549936 0.375500 0.39949937 0.399500 0.42249938 0.422500 0.44749939 0.447500 0.47249940 0.472500 0.50149941 0.501500 0.53349942 0.533500 0.57649943 0.576500 0.61349944 0.613500 0.64749945 0.647500 0.69749946 0.697500 0.73149947 0.731500 0.76649948 0.766500 0.792499



Collision RPE Cluster

Minimum Comp RPE Factor Maximum Comp RPE Factor

49 0.792500 0.82849950 0.828500 0.85149951 0.851500 0.88449952 0.884500 0.90549953 0.905500 0.93549954 0.935500 0.96049955 0.960500 0.98449956 0.984500 1.01249957 1.012500 1.03649958 1.036500 1.06749959 1.067500 1.10249960 1.102500 1.12949961 1.129500 1.16849962 1.168500 1.19649963 1.196500 1.24249964 1.242500 1.26949965 1.269500 1.32349966 1.323500 1.35649967 1.356500 1.40849968 1.408500 1.45649969 1.456500 1.50749970 1.507500 1.55849971 1.558500 1.61049972 1.610500 1.66149973 1.661500 1.71249974 1.712500 1.76549975 1.765500 1.82749976 1.827500 1.89149977 1.891500 1.95849978 1.958500 2.04549979 2.045500 2.12649980 2.126500 2.23049981 2.230500 2.33649982 2.336500 2.50049983 2.500500



Rate Protection Endorsement Pricing Factor Table Lookup the RPE Rating Factor in the following four tables using the RPE cluster found in order of calculation step 13.

RPE Cluster

Liability RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H 1 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 2 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 3 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 4 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 5 0.789397 0.722216 0.780480 0.730330 0.896859 0.859934 6 0.801471 0.733264 0.792418 0.741500 0.910576 0.873086 7 0.824692 0.754510 0.815378 0.762985 0.936960 0.898382 8 0.847917 0.775755 0.838340 0.784470 0.963345 0.923682 9 0.871139 0.797003 0.861301 0.805957 0.989728 0.948979 10 0.894362 0.818250 0.884261 0.827442 1.016114 0.974278 11 0.917585 0.839495 0.907221 0.848927 1.042498 0.999576 12 0.940808 0.860743 0.930182 0.870411 1.068882 1.024875 13 0.964032 0.881990 0.953143 0.891898 1.095268 1.050173 14 0.987255 0.903237 0.976103 0.913384 1.121652 1.075472 15 1.010477 0.924483 0.999064 0.934868 1.148035 1.100769 16 1.033700 0.945730 1.022025 0.956354 1.174421 1.126067 17 1.056924 0.966978 1.044986 0.977840 1.200806 1.151366 18 1.080148 0.988224 1.067947 0.999326 1.227191 1.176665 19 1.103372 1.009471 1.090909 1.020810 1.253576 1.201963 20 1.126592 1.030717 1.113868 1.042296 1.279957 1.227258 21 1.149816 1.051963 1.136829 1.063781 1.306343 1.252558 22 1.173039 1.07321 1.15979 1.085266 1.332727 1.277856 23 1.196263 1.094457 1.182751 1.106752 1.359112 1.303155 24 1.219485 1.115704 1.20571 1.128237 1.385496 1.328452 25 1.24271 1.136951 1.228673 1.149724 1.411882 1.353753 26 1.41813 1.297444 1.402114 1.312019 1.611183 1.544848 27 1.500631 1.372924 1.483682 1.388345 1.704915 1.634720 28 1.583129 1.4484 1.565248 1.464672 1.798644 1.724590 29 1.665627 1.523878 1.646814 1.540997 1.892373 1.814461 30 1.748125 1.599357 1.728381 1.617322 1.986101 1.904328 31 1.92294 1.759294 1.90122 1.779055 2.184712 2.094764 32 2.30753 2.111154 2.281466 2.134869 2.621659 2.513720



RPE Cluster

Other RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H 1 0.903259 0.736812 0.815683 0.782654 1.042553 1.006102 2 0.934642 0.762411 0.844021 0.809846 1.078775 1.041057 3 0.966025 0.788012 0.872362 0.837040 1.114997 1.076012 4 0.997405 0.813611 0.900701 0.864231 1.151218 1.110967 5 1.028790 0.839212 0.929042 0.891424 1.187441 1.145925 6 1.060173 0.864811 0.957382 0.918618 1.223665 1.180881 7 1.091555 0.890410 0.985722 0.945808 1.259886 1.215835 8 1.122938 0.916012 1.014061 0.973002 1.296108 1.250792 9 1.154322 0.941611 1.042403 1.000196 1.332332 1.285748 10 1.185703 0.967211 1.070742 1.027386 1.368554 1.320704 11 1.217087 0.992811 1.099082 1.054580 1.404777 1.355661 12 1.248469 1.018409 1.127422 1.081771 1.440997 1.390614 13 1.279851 1.044011 1.155762 1.108964 1.477220 1.425570 14 1.311236 1.069610 1.184104 1.136159 1.513444 1.460528 15 1.342617 1.095210 1.212442 1.163348 1.549665 1.495484 16 1.374001 1.120811 1.240784 1.190542 1.585889 1.530440 17 1.405383 1.146408 1.269121 1.217735 1.622111 1.565396 18 1.545921 1.261050 1.396035 1.339508 1.784321 1.721934 19 1.855105 1.513258 1.675240 1.607408 2.141185 2.066322 20 2.411638 1.967238 2.177813 2.089633 2.783541 2.686219



RPE Cluster

Comp RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H 1 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 2 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 3 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 4 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 5 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 6 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 7 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 8 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 9 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 10 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 11 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 12 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 13 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 14 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 15 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 16 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 17 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 18 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 19 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 20 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 21 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 22 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 23 0.610541 0.598060 0.570487 0.571655 0.647124 0.628166 24 0.610541 0.601869 0.570487 0.571655 0.647124 0.628166 25 0.610541 0.613742 0.570487 0.571655 0.647124 0.628166 26 0.610541 0.625647 0.570487 0.573459 0.647124 0.628166 27 0.611647 0.638018 0.570487 0.584795 0.648292 0.629304 28 0.623559 0.650432 0.579980 0.596183 0.660918 0.641559 29 0.635502 0.662889 0.591091 0.607592 0.673576 0.653847 30 0.648052 0.675982 0.602776 0.619599 0.686878 0.666759 31 0.660388 0.688842 0.614238 0.631386 0.699962 0.679452 32 0.672799 0.701797 0.625785 0.643267 0.713112 0.692221 33 0.685274 0.714816 0.637385 0.655190 0.726338 0.705057 34 0.697601 0.727665 0.648836 0.666966 0.739400 0.717739 35 0.710395 0.741023 0.660756 0.679204 0.752964 0.730902 36 0.723210 0.754392 0.672675 0.691462 0.766540 0.744087 37 0.735908 0.767623 0.684488 0.703595 0.780006 0.757152 38 0.748585 0.780865 0.696280 0.715718 0.793440 0.770195 39 0.761135 0.793947 0.707944 0.727724 0.806742 0.783107 40 0.774014 0.807380 0.719928 0.740035 0.820394 0.796358 41 0.787095 0.821014 0.732092 0.752535 0.834254 0.809817 42 0.800432 0.834924 0.744490 0.765276 0.848397 0.823538 43 0.813066 0.848113 0.756250 0.777367 0.861787 0.836537 44 0.825020 0.860580 0.767361 0.788797 0.874456 0.848836 45 0.837474 0.873578 0.778950 0.800699 0.887649 0.861650 46 0.850736 0.887403 0.791285 0.813388 0.901705 0.875294 47 0.863902 0.901132 0.803524 0.825961 0.915663 0.888841 48 0.877302 0.915117 0.815997 0.838786 0.929872 0.902628 49 0.891117 0.929515 0.828842 0.851988 0.944507 0.916842



RPE Cluster

Comp RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H 50 0.905198 0.944210 0.841943 0.865453 0.959436 0.931329 51 0.919513 0.959139 0.855246 0.879138 0.974606 0.946057 52 0.934115 0.974375 0.868836 0.893105 0.990082 0.961081 53 0.949270 0.990185 0.882927 0.907587 1.006148 0.976673 54 0.964702 1.006281 0.897294 0.922341 1.022508 0.992550 55 0.980484 1.022748 0.911970 0.937431 1.039229 1.008788 56 0.996437 1.039385 0.926806 0.952689 1.056147 1.025202 57 1.012326 1.055958 0.941588 0.967873 1.072977 1.041549 58 1.029097 1.073454 0.957179 0.983907 1.090757 1.058805 59 1.045986 1.091067 0.972898 1.000056 1.108657 1.076181 60 1.063385 1.109222 0.989074 1.016698 1.127104 1.094082 61 1.080805 1.127386 1.005283 1.033361 1.145561 1.112006 62 1.098609 1.145954 1.021832 1.050370 1.164434 1.130323 63 1.116954 1.165095 1.038902 1.067914 1.183885 1.149198 64 1.135481 1.184427 1.056132 1.085636 1.203511 1.168259 65 1.154113 1.203855 1.073458 1.103442 1.223268 1.187430 66 1.173342 1.223908 1.091337 1.121824 1.243648 1.207213 67 1.192687 1.244100 1.109344 1.140333 1.264148 1.227117 68 1.212585 1.264864 1.127862 1.159344 1.285237 1.247590 69 1.232494 1.285607 1.146359 1.178377 1.306338 1.268073 70 1.253031 1.307051 1.165472 1.198018 1.328104 1.289203 71 1.273897 1.328802 1.184874 1.217963 1.350231 1.310671 72 1.295369 1.351211 1.204860 1.238506 1.372981 1.332763 73 1.317341 1.374118 1.225283 1.259500 1.396276 1.355370 74 1.340249 1.398023 1.246589 1.281406 1.420555 1.378939 75 1.364221 1.423021 1.268885 1.304319 1.445959 1.403603 76 1.388863 1.448730 1.291809 1.327882 1.472083 1.428956 77 1.414483 1.475457 1.315637 1.352378 1.499234 1.455315 78 1.442549 1.504731 1.341743 1.379213 1.528984 1.484191 79 1.471785 1.535204 1.368924 1.407159 1.559969 1.514271 80 1.501510 1.566228 1.396583 1.435588 1.591477 1.544855 81 1.531863 1.597889 1.424807 1.464603 1.623652 1.576084 82 1.562555 1.629911 1.453361 1.493944 1.656177 1.607663 83 1.593653 1.662336 1.482276 1.523673 1.689138 1.639657 84 1.625058 1.695090 1.511500 1.553706 1.722427 1.671969 85 1.657251 1.728672 1.541437 1.584473 1.756546 1.705091 86 1.684051 1.756630 1.566362 1.610102 1.784953 1.732665 87 1.702450 1.775824 1.583475 1.627698 1.804458 1.751595 88 1.708927 1.782593 1.589509 1.633896 1.811317 1.758259 89 1.709129 1.782806 1.589690 1.634085 1.811536 1.758467 90 1.709129 1.782806 1.589690 1.634085 1.811536 1.758467



RPE Cluster

Collision RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H 1 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 2 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 3 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 4 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 5 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 6 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 7 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 8 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 9 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 10 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 11 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 12 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 13 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 14 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 15 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 16 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 17 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 18 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 19 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 20 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 21 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 22 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 23 0.813507 0.796187 0.789164 0.804215 0.852375 0.857309 24 0.821137 0.806174 0.795781 0.810257 0.860370 0.865352 25 0.833552 0.818366 0.807811 0.822514 0.873380 0.878429 26 0.846327 0.830900 0.820208 0.835115 0.886766 0.891898 27 0.860484 0.844797 0.833911 0.849078 0.901594 0.906815 28 0.873920 0.857992 0.846940 0.862340 0.915670 0.920977 29 0.887283 0.871107 0.859888 0.875531 0.929673 0.935053 30 0.900316 0.883912 0.872520 0.888387 0.943331 0.948789 31 0.913607 0.896976 0.885407 0.901517 0.957261 0.962802 32 0.926672 0.909781 0.898059 0.914393 0.970950 0.976570 33 0.940664 0.923527 0.911629 0.928193 0.985611 0.991316 34 0.954037 0.936652 0.924598 0.941404 0.999625 1.005403 35 0.966978 0.949346 0.937128 0.954158 1.013178 1.019043 36 0.979887 0.962030 0.949637 0.966902 1.026700 1.032652 37 0.990786 0.972729 0.960200 0.977656 1.038122 1.044132 38 1.001221 0.982976 0.970313 0.987953 1.049063 1.055133 39 1.011398 0.992963 0.980172 0.997985 1.059722 1.065858 40 1.021833 1.003210 0.990286 1.008282 1.070652 1.076849 41 1.032979 1.014160 1.001083 1.019290 1.082335 1.088596 42 1.046229 1.027164 1.013929 1.032369 1.096213 1.102566 43 1.060654 1.041332 1.027916 1.046606 1.111334 1.117759 44 1.073853 1.054287 1.040701 1.059624 1.125159 1.131676 45 1.090742 1.070861 1.057075 1.076298 1.142861 1.149476 46 1.110045 1.089802 1.075763 1.095327 1.163081 1.169809 47 1.127605 1.107048 1.092779 1.112651 1.181484 1.188322 48 1.144381 1.123532 1.109050 1.129224 1.199060 1.205995 49 1.162343 1.141159 1.126454 1.146933 1.217881 1.224923



RPE Cluster

Collision RPE Rating Factor Region

C Region

D Region

E Region

F Region

G Region

H 50 1.180593 1.159077 1.144142 1.164948 1.237004 1.244159 51 1.198741 1.176894 1.161739 1.182860 1.256012 1.263290 52 1.216899 1.194732 1.179336 1.200773 1.275041 1.282420 53 1.234541 1.212038 1.196424 1.218178 1.293527 1.301008 54 1.254308 1.231450 1.215581 1.237695 1.314239 1.321840 55 1.272218 1.249037 1.232943 1.255364 1.333007 1.340715 56 1.291490 1.267948 1.251621 1.274374 1.353196 1.361026 57 1.311287 1.287390 1.270808 1.293911 1.373939 1.381891 58 1.332373 1.308095 1.291250 1.314728 1.396030 1.404117 59 1.357574 1.332831 1.315657 1.339576 1.422437 1.430674 60 1.382063 1.356875 1.339392 1.363755 1.448091 1.456476 61 1.407098 1.381451 1.363657 1.388451 1.474331 1.482862 62 1.432845 1.406728 1.388614 1.413868 1.501302 1.509993 63 1.459912 1.433309 1.414847 1.440574 1.529663 1.538519 64 1.486793 1.459690 1.440896 1.467088 1.557825 1.566842 65 1.513715 1.486130 1.466985 1.493652 1.586040 1.595218 66 1.542205 1.514095 1.494594 1.521771 1.615885 1.625243 67 1.567003 1.538450 1.518624 1.546243 1.641874 1.651375 68 1.597689 1.568581 1.548374 1.576534 1.674028 1.683709 69 1.627406 1.597749 1.577166 1.605841 1.705158 1.715032 70 1.659463 1.629213 1.608220 1.637462 1.738755 1.748813 71 1.691015 1.660196 1.638816 1.668606 1.771808 1.782063 72 1.723330 1.691920 1.670126 1.700492 1.805665 1.816120 73 1.754666 1.722682 1.700498 1.731413 1.838499 1.849146 74 1.785310 1.752773 1.730186 1.761653 1.870611 1.881438 75 1.818986 1.785831 1.762821 1.794879 1.905900 1.916921 76 1.855818 1.821998 1.798525 1.831222 1.944492 1.955746 77 1.891783 1.857312 1.833383 1.866723 1.982174 1.993645 78 1.931708 1.896517 1.872084 1.906113 2.024005 2.035714 79 1.970869 1.934950 1.910031 1.944761 2.065031 2.076986 80 2.005566 1.969011 1.943655 1.979002 2.101386 2.113555 81 2.039067 2.001898 1.976106 2.012045 2.136487 2.148857 82 2.059225 2.021691 1.995650 2.031928 2.157617 2.170105 83 2.079569 2.041685 2.015378 2.052024 2.178924 2.191544

January 25, 2018 Pennsylvania Insurance Department Deputy Office of Rate and Policy Information 1326 Strawberry Square Harrisburg, PA 17120 Acting Insurance Commissioner: Jessica Altman RE: Filing Revised Private Passenger Auto Rates and Rules Effective 6/1/18

Erie Insurance Exchange, NAIC No. 26271 Erie Insurance Company NAIC No. 26263

Dear Ms. Altman: Attached are revised Private Passenger Auto Rate and Rule pages effective 6/1/18. The rate filing includes changes to the following:

• Base rate changes by coverage and rating zone • Revised Rate Lock (Rate Protection Endorsement) rating factors • Revised Rate Lock cluster definitions • Class Factors • Motorcycle Bike Class factors

The following rule change is being made along with minor editorial changes: RULE 23 PREMIUM DETERMINATION – Performance Car Surcharges - the title Performance Car Surcharges is changed to Performance Car Factor. All references to surcharges are changed to factors. We would like to begin using these revised rate and rule pages with policies effective on and after June 1, 2018. If you have any questions, please call Kim Myers, Actuary, at (800) 458 0811 ext. 7528 or email her at [email protected]. You can also reach me at (800) 458 0811 ext. 4725 or email me at [email protected].

Sincerely, ERIE INSURANCE GROUP

Beth Merryman, CIC, AINS, AIS, ACS Product Development Specialist II Product Services Department

Enclosures: PA PPA Filing Memo & Exhibits PA PPA Rate Pages, Effective, 6/1/18 PA RPE Order of Calculation, 6/1/18 Rate Schedule – SERFF Data Entry - PPA Revised Private Passenger Auto Rule Pages, Effective 6/1/18

Documents

Filing at a Glance - Pennsylvania · RULE 23 PREMIUM DETERMINATION – Performance Car Surcharges - the title Performance Car Surcharges is changed to Performance Car Factor. All