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Reduced
Rates!!! |
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16%Commission! |
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Fully Automated
Submission
Process - No
Acord Application
Required |
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Instant Issue Vehicle
IDCards |
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MVR's No Longer
Required |
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Online Price
Indicator |
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Instantly Rate up to
4Vehicles |
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A+XIV
RatedCarrier |
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California
Only |
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6 or 12 Month Policies
Available |
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No Credit Check
Required | | |
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Our Victory Auto
Program has been completely re-vamped. We have
reduced
rates
throughout the state of
California, significantly improved the submission
process and added brand new features to our
system. Rate a risk up today to see how
much money you can save your clients, how easy
our system is, and to receive auto ID cards
faster than any where else!
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| Eligible
Classes |
| Contractors |
| Air Conditioning/Heating
|
| Auto Parts |
| Carpenters & Cabinet
Makers |
| Carpet/Floor Installation
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| Concrete &
Paving |
| Drywall |
| Dry Cleaning &
Laundries |
| Electrical |
| Excavation |
| Farm & Ranch |
| Fence Installation
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| General Contractors
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| Glaziers |
| Janitorial/Maintenance
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| Landscape Gardening
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| Masonry |
| Nurseries |
| Painting/Wallpapering
|
| Plumbing |
| Refrigeration |
| Sheet Metal Work |
| Swimming Pools |
| Tile and Stone |
| Sales Reps, Consultants
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| Retail or
Wholesale |
| Auto
Parts & Accessories |
| Dry-cleaning &
Laundries |
| Nurseries |
| | |
Service Industry
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| Carpet
Cleaners |
| Parking
Lot Sweepers |
| Security Servic |
| Pool
Cleaners |
| Recyclers |
| Locksmiths |
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Farm & Ranch
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| All
Qualifying Vehicles |
| Machine/Equipment
Repair |
| | |
| Sales
Reps |
| Mfg.
Reps., Consultants, Agents (and others that work
out of an office, but spend most of their time
on the road) |
| | |
Manufacturing
|
| Component Parts |
| Finished Products
|
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Special Classes
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| Physical Damage
Only |
| * Water
trucks are ok as long as they are under 45,000
GVW and under $75,000 value. |
| Note: This
program is designed for the above mentioned
commercial auto risks and more. |
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| Ineligible
Risks |
- Any
former Commerce West policyholder who:
- has an unpaid balance
due, unless the balance is submitted in addition
to the correct down payment for the new policy,
or
- has had coverage
canceled and rewritten or reinstated with lapse
more than twice in the past three years
- All
Truck Tractors
- All
Semi-trailers with a load capacity of more than
2,000 pounds and equipped with a fifth wheel
coupling device for use with a Truck Tractor
- All
Trucks with GVW over 45,000 pounds
- Ambulances
- Amusement devices mounted
on commercial vehicles
- Buses
- Catering trucks
- Concrete ready-mix trucks
- Emergency or law
enforcement vehicles
- Fast
food delivery (including pizza delivery)
- Garbage
removal vehicles
- House
movers
- Ice
cream vendors
- Leasing
or rental firms
- Logging
vehicles, except support vehicles
- Motor
homes
- Newspaper delivery
- Public
or private livery vehicles, including limousines
and taxi cabs
- Tow
trucks
- Unlicensed drivers
- Common
carriers
- Vehicles garaged in states
other than California
- Vehicles leased or rented
to others by the insured
- Vehicles not licensed for
use on public roads
- Vehicles requiring an
I.C.C. filing or subject to the Motor Carrier
Act of 1980
- Vehicles not manufactured
for sale/distribution in the United States
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| Underwriting
Guidelines |
| The program is seeking
non-fleet risks (4 or less vehicles) that meet
the following characteristics |
- Discount is received if
prior insurance is not lapsed over 30 days
- Liability limits from 15/30
up to 1,000,000 CSL
- No
Truckers policy
- Dump
trucks are ok for Construction use. No sand and
gravel haulers.
- No
vehicles over 45,000 pounds GVW
- No tax
liens for bankruptcies for the named insured
within the previous 3 years.
- Physical damage only ok
(Comp/Named perils must be written in
conjunction with Collision coverage).
|
Vehicles
Size |
Light to
Heavy vehicles are acceptable. |
| Physical Damage Limit
|
Rating of all vehicles is
based on the Original Cost New. Up to $75,000
original cost new for all vehicles is available.
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| Filings |
| MCP-65 Filings
|
Available with $35 filing
fee. |
| SR-22 Filings
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For the Named Insured only
(No Charge) |
| MCS 90 & ICC
|
These filings will not be
made. |
Policy Forms
Victory Auto forms
available to see on the Price Indication page of
all Victory Auto Submissions. |
Policy Term
A policy
may be written for a term of six (6) months or
one (1) year. A policy must generate a premium
of at least $500 in order to qualify for a six
month term. Semi-annual premiums of less than
$500 must be written on an annual term.
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Policy
Territory
Out of state exposure is
not offered (California risks only). Policy
coverage applies within the United States of
America, its territories and possessions, and
Canada or between their ports. The policy does
not apply in Mexico. Insureds operating their
vehicles in Mexico should secure an automobile
policy from an authorized Mexican insurance
company at the point of entry.
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| Rating
Information |
| Radius
Classes |
| Local (0-50 miles)
- no regular or frequent operation of the
vehicle beyond 50 miles from the place of
principal garaging |
| Intermediate (51-200
miles) - operation
of the vehicle more than 50 miles from the place
of principal garaging, but no regular or
frequent operation of the vehicle more than 200
miles from the place of principal
garaging. |
Long Distance (over 200
miles) - regular and frequent
operation of the vehicle more than 200 miles
from the principal garaging location.
NOTE: Once or more a month
is considered regular or frequent
operation. |
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| Vehicle
size |
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I Light
Trucks - GVW of 10,000 pounds or less
II Medium Trucks - GVW of
10,001 to 20,000 pounds
III Heavy Trucks - GVW of
20,001 to 45,000 pounds
IV Service or Utility
Trailers - trailers with load capacities of
2,000 pounds or less. This applies to
Comprehensive and Collision coverages only.
Liability is automatically included.
V Trailers - all other
types of trailers with load capacities of more
than 2,000 pounds.
VI Private
Passenger Vehicles:
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1 Standard - private
passenger vehicles of the coupe, sedan and
station wagon type
2 Sports and High
Performance - private passenger vehicles with
ISO performance designations of "I", "h", "p" or
"s". $50,000 or more
3 Four-Wheel Drive -
multipurpose vehicles, SUV's, with four-wheel
driver. This does not apply to coupes, sedans,
station wagons, trucks or van type vehicles.
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Use Classes
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| VII |
Service
Use - vehicles used for transportation of
equipment, tools, incidental supplies and
personnel of the insured to or from a job
location. This classification applies only to
those vehicles that are principally parked at a
job location for the majority of the workday or
to transport supervisory personnel between job
sites. Also included in the class are vehicles
exceeding one (1) ton load capacity that is used
for the "pleasure use only". |
| VIII |
Retail Use - vehicles
used for picking up property form, or delivering
property to, individual homes. |
| IX |
Commercial Use - vehicles
used to pick up or deliver property, and not
classified as Retail or Service use.
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Note: Miscellaneous
use is considered Commercial Use |
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**
Surcharge applies to drivers under the age of
25. |
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| [TOP] |
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| General Program
Information |
| Coverage |
Limits |
Deductibles |
| Bodily Injury
Liability |
15/30, 25/50, 50/100,
100/300 &250/500 |
--- |
| Property Damage
Liability |
10, 25, 50 &
100** |
--- |
| Combined Single
Limits Liability |
300k, 500k, 750k,
1mil |
--- |
| Uninsured/Underinsured
|
15/30, 25/50, 30/60, |
--- |
| Motorist Bodily
Injury |
50/100 &
100/300 |
--- |
| Medical
Payments |
$1000, 2000,
5000 |
--- |
| Physical Damage
(Comprehensive & Named
Perils) |
Current Value
$75,000 maximum
|
$250, 500, 1000
&
2500
*** |
|
Physical Damage
(Collision) |
Current Value
$75,000 maximum |
$250, 500, 1000 &
2500 ***
|
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Uninsured Motorist
Collision Damage Waiver |
--- |
Waivers of
$250, 500, 1000 &
2500 |
|
Uninsured Motorist Property
Damage |
--- |
$3,500 &
5,000 |
|
Non-owned & Hired
Auto Liability**** |
Same as policy's
liability limits |
--- |
|
Drive Other Car |
Same as Policy's Liability
and Medical Payments Limits |
--- |
|
Hired Auto Physical
Damage |
Not
Available |
--- |
|
Stereos/Sound
Systems |
Specified Value |
Same as
Vehicle's |
|
Additional
Equipment/Modifications |
Specified
Value |
Same as
Vehicle's |
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**PD
Liability limits may not be higher than the per
person BI Liability limits
***
Deductibles of $500 for
Comprehensive, Named Perils and Collision will
apply to lien holders regardless of insured's
deductibles
****
Hired and Non-owned Liability coverages
must be written together and are required
coverage for MCP 65 filings |
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| Claims |
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Report claims to the
following
8:30 a.m. -
4:45 p.m. (800) 244-1545
After hours (24 hr.
service) (800) 856-7658 To insure
the most immediate and efficient response,
Commerce West prefers that claims be reported
directly by the policyholder or claimant. Their
trained claims staff will begin processing and
investigation the claim at the time it is
reported.
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| Frequently Asked
Questions |
What is the desired
premium?
Any
size premium is acceptable. |
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What is the desired fleet
size?
Up to 20 vehicles is
acceptable. |
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What classes of business
are desired?
Mainly contractors with
service class risks (see above for a partial
list). For other commercial risks, please
contact our underwriter Kim Matthews at
916.772.9200. |
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Is there coverage available
in multiple states?
Exposures outside the
state of California are not
eligible. |
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What are the vehicle size
restrictions?
No trucks over 45,000 in
Gross Vehicle Weight. |
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What Liability Symbols are
used?
Symbols 7 (specifically
scheduled vehicles), 8 and 9 (hired and
non-owned) are used in the program.
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| Edition 8/23/07
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| This information is provided as a guideline only and is
subject to change with or without notice. |
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