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PA Bulletin, Doc. No. 12-1319

NOTICES

INSURANCE DEPARTMENT

Allstate Fire and Casualty Insurance Company; Private Passenger Automobile; Allstate Drive Wise® Insurance Program

[42 Pa.B. 4552]
[Saturday, July 14, 2012]

 On June 26, 2012, the Insurance Department (Department) received from Allstate Fire and Casualty Insurance Company a private passenger automobile rate and rule filing to introduce their Drive Wise® Program effective October 8, 2012, for new business and November 8, 2012, for renewals.

 In the filing, Allstate states ''With this filing, Allstate Fire and Casualty Insurance Company (AFCIC) is introducing the Allstate Drive Wise® Program. Allstate Drive Wise® is a voluntary program that allows participants to be rated using driving behavior information that is collected by an electronic device provided by Allstate that will be plugged into their vehicle. Allstate believes that rating based on the two major aspects of the program, mileage and driving performance, will allow us to reward customers less likely to incur losses with lower premiums. In addition, the feedback made available from the personalized reports in the interactive website connected with the electronic device can in some cases help improve driving ability. This program allows participants to potentially reduce their premium as well as their likelihood of accidents. Allstate Drive Wise® Rating will apply to Bodily Injury, Property Damage, Medical, Income Loss, Combination Package, Collision, and Comprehensive coverages.''

 An insured that opts for the program can only receive a rate that is less than or equal to the otherwise applicable rate, with discounts of up to 39% for certain coverages.

 Specifically, the program's rates are based on:

 * Number of miles driven and the time of day those miles were driven.

 * Number of ''Hard Braking Events'' (defined to be slowing down between 8 and 10 mph over a 1-second interval) per 100 miles driven.

 * Number of ''Extreme Braking Events'' (defined to be slowing down 10 or more mph over a 1-second interval) per 100 miles driven.

 * Number of miles driven over 80 mph per 100 miles driven.

 Unless formal administrative action is taken prior to August 25, 2012, the subject filing may be deemed approved by operation of law.

 A copy of the filing is available on the Department's web site at www.insurance.pa.gov. Under the tab ''How to Find . . .'' click on ''PA Bulletin.''

 Interested parties are invited to submit written comments, suggestions or objections to Michael McKenney, Insurance Department, Insurance Product Regulation, 1311 Strawberry Square, Harrisburg, PA 17120, mmckenney@pa.gov within 30 days after publication of this notice in the Pennsylvania Bulletin.

MICHAEL F. CONSEDINE, 
Insurance Commissioner

[Pa.B. Doc. No. 12-1319. Filed for public inspection July 13, 2012, 9:00 a.m.]


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