As you are certainly aware, our 2012 goal was to significantly improve the company’s personal lines results.  Through July, I am pleased to report we have experienced some improvement.  We realize 2012 has been difficult and disruptive for your office.  We appreciate your continued support and loyalty through this difficult time.  It reflects a lot of future promise relating to what we can achieve together. 

Our plan is to be disciplined with our business approach all in an effort to have continued improvement in our results.  The marketplace continues to evolve, and we need to keep pace with our product and pricing.  Effective 10/1/2012, we are making the following changes.  A Notice to Policyholder will accompany these changes: 

Mini Tort

The $500 Mini Tort limit is being increased to $1,000.  This increased limit will apply to losses on policies with Limited Property Damage Liability coverage whether or not the policy has renewed.  This revised language can be found on Form #01525 Amendatory Endorsement Personal Auto Policy–Michigan. 

Coordinated PIP Coverage Deductible

We will be making the following charge on Personal Auto policies carrying Coordinated Personal Injury Protection (PIP) when the primary health insurance carrier excludes coverage for injuries sustained in a covered automobile accident.  The present $300 deductible is being increased to $500.   The revised language can be found on Form #98290 Personal Injury Protection Coordination of Medical and Work Loss Benefits Deductible. 

Two Frankenmuth Insureds

The Collision deductible will no longer be waived for losses involving two Frankenmuth insureds.  This revised language can be found on Form #01525 Amendatory Endorsement Personal Auto Policy–Michigan. 

Other Than Collision (Comprehensive) Deductible Waiver for Animal Impacts

Effective 9/1/12, we will no longer be waiving the Other Than Collision deductible when the loss involves an animal impact.  This includes collision losses involving deer.   This is necessary considering the increased frequency we are experiencing with this type of loss.  This does not involve any type of form change or Notice to Policyholder. 

Thanks again for your continued support as we continue to refine our process and procedures to improve our mutual overall results. 

If you have any questions related to these changes, please feel free to contact your Personal Lines Field Manager, Underwriter, or myself.