Effective immediately, we are implementing several procedural changes.  Outlined below, these changes are being made to insure compliance with our state filings.

Group Membership Verification Form

Through a frequency of file reviews, it became evident several policyholders were being placed in group programs for which they were not eligible.  To protect the integrity of our personal lines group programs, we have developed a Group Membership Verification Form (Form FM-1671 9/11).

·         New Business:  The form is required for all Home or Personal Auto new business written in the group program

·         Endorsements:  The form is required when a group change is made for any Home or Personal Auto policy

·         To access the form:  Form FM-1671 is available to be printed from Forms Inquiry

·         Form Completion:  Insureds must complete and sign the form certifying their group program eligibility.  Descriptions of group programs and eligibility are available on our web site at Marketing Materials>Group Information>PL Group List>Michigan

·         Form Retention:  Agents must retain the completed and signed form in their file.  Periodic audits will be conducted to verify compliance

We believe this new process will assist you and our policyholders in knowing they were placed in a group program for which they are eligible.

Personal Injury Protection (PIP) Medical Benefits Questionnaire

To provide proper coverage and protect the integrity of our PIP rating, we have developed a Personal Injury Protection (PIP) Medical Benefits Questionnaire (Form FM-1669 9/11).

·         New Business:  The form is required when PIP Excess Medical is selected on any Personal Auto New business policy

·         Endorsements:  The form is required when PIP coverage is changed to Excess Medical on any Personal Auto policy

·         To access the form:  Form FM-1669 is available to be printed from Forms Inquiry

·         Form Completion:  Insureds must complete and sign the form certifying they have medical insurance that provides coverage on a primary basis for automobile related accidents.  Descriptions of the PIP Coverage Options are available in the Rating Rules section of the Personal Auto manual.

·         Form Retention:  Agents must retain the completed and signed form in their file.  Periodic audits will be conducted to verify compliance.

Multi-Policy Discount

We are making the Multiple Policy Discount procedures consistent in that it will be applied to Home and Personal Auto in the same manner as it is applied for Life Insurance.

·         A Home or Personal Auto policy issued with a discount must have the supporting line of business issued within 31 days, or the discount will be removed back to the inception date

·         Our procedure for mid-term cancellations remains the same:  If a Home or Personal Auto policy is cancelled, the Multiple Policy discount will be removed at the next renewal

If you have any questions regarding these revisions, please feel free to contact your Field Manager, Personal Lines Underwriter, or me.

We appreciate your continued loyalty.  Also, thank you for considering Frankenmuth Insurance for your new business opportunities.