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We are making a number of changes to our Kentucky & Tennessee Private Passenger Auto Programs, with all program changes beginning with new and renewal business effective 9/14/21 and after.  

A particular intent of these changes is to better tune our rate levels in relationship to historic and modeled loss cost data, this being at a combined product, risk, and territory level (i.e. generally better, overall rate levels for ‘lower risk’ exposures in areas where the data indicates better achievable results, and vice versa).  

RATE IMPACT

Overall rate impacts will vary depending on the specific territory in each state, with some territories and product type combinations experiencing significant rate decrease, while others may experience an increase in rates. 

RATE CAPPING

Outside of an interim change in exposure since a given policy’s last term (i.e. change in drivers, cars, etc.), no in-force policy otherwise will be affected by more than +25%. (There will be no ‘capping’ of any policy-level rate decreases). 

On August 13th, you will be able to quote Private Passenger Auto business with an effective date of 9/14/21 or later and see the updated rates.

Thank you for your partnership and trust you place in us to serve you clients insurance needs. 

*NOTE - Our Property Program Revision is also nearing completion and will be announced soon.