Auto Territory Coverage
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| name | openIDL-data-elements.xlsx |
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Auto Territory Coverage: Attribute Definitions
| Attribute | Description |
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| 1 | Basic Limit | the minimum limits of liability that can be purchased by an insured |
| 2 | Basic Limit Loss | a property insurance limit that is less than the total property values at risk but high enough to cover the total property values actually exposed to damage in a single loss occurrence. |
| 3 | Car Years | the proportion of a calendar year during which a private passenger motor vehicle can be identified as being insured for physical damage insurance coverage. |
| 4 | Coverage | Code that identifies the exposure coverage associated with the manual class code. |
coverage namecoverage | name | Human readable name of coverage | | coverage note | coverage | note | a space for notes on coverage |
| deductible amount | transaction | deductible_amount | deductible amount that applies to the Physical Damage coverages |
| accounting year | transaction | accounting_year | Reflects reporting year |
| premium amount | premium_detail | amount | Actual premium amount in dollars and cents. |
| loss amount | claim_detail | loss_amount | Outstanding loss and outstanding allocated loss adjustment expense records should always have the amount reserved for the claim as of the end of the quarter. This amount must be reported each quarter it remains outstanding. If a partial payment is made on an outstanding loss, the new reserve amount must be reported if the claim is not closed by the end of the quarter. |
| exposure | transaction | exposure_amount | Enter the actual number of vehicles covered by the premium posted in the statistical record. Usually this will be one, although it is possible for the same coverage to be provided in the same policy on more than one vehicle, in which case the Exposure entry would be the number of vehicles covered under the coding entry. |
| claim count | claim_detail | claim_count | Actual number of new claims reported in a given reporting period. The rules for negative counts are the same as those for the Exposure field. The claim count on a paid loss record should be 1 only when the first payment is made provided no reserve had been established in a previous quarter. |
| line of business | line_of_business | name | human readable line of business |
| line of business | line_of_business | id | pk for line_of_business |
| subline name | subline | name | Identifies the subline for humans |
| subline code | subline | code | short hand for subline name |
| subline id | subline | id | pk for unique identification of codes |
| transaction code | transaction_code | code | Identifies a loss transaction on limited coded records. The field will be populated on loss-related Transaction Codes if the record is not fully coded. |
| transaction name | transaction_code | name | human readable name for transaction code |
| transaction id | transaction_code | id | PK for transaction codes |
| accident date year | claim_detail | accident_date_year | The date on which the accident occurred (except for grouped claims) |
claim id | claim_detail | id | PK for claim detail| Earned Premium | The term earned premium refers to the premium collected by an insurance company for the portion of a policy that has expired. |
| 6 | Excess Limit Loss | Losses in Excess of Policy Limits — this is an expression used in reinsurance agreements that refers to damages awarded by a court against an insurer in favor of the insured, due to the insurer's having failed to settle a third-party claim against the insured within the policy limits by reason of bad faith, fraud, or gross negligence. |
| 7 | Excess Limit | the highest amount of insurance that will be offered in a given situation in excess of basic limits. |
| 8 | Incurred Count | Losses Incurred — the total amount of losses sustained during a given time period that are paid and unpaid but reserved. |
| 9 | Incurred Loss | The total amount of paid claims and loss reserves associated with a particular time period, usually a policy year. It does not ordinarily include incurred but not reported (IBNR) losses. |
| 10 | LOB | Line of Business |
| 11 | State | One of the United States |
| 12 | Territory | Geographical location, sub unit of state |
| 13 | Zipcode | 5 digit postal code |
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| name | Auto-Territory2018.xlsx |
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| name | Auto-Coverage2018.xls |
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Section II: Reports Covered
| id | name | status | notes |
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| 1 | AAIS Territory Coverage | Complete | initial report |
| 2 | Auto Stat Report | Incomplete |
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Section III: Data
class_group_type
| id | name | description |
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| 1 | Voluntary Risk | Utilize state assigned risk classification plans |
| 2 | Assigned Risk | Utilize state assigned risk classification plans |
| 3 | Miscellaneous Personal Vehicles | includes motorcycles |
class_group
| id | name | description | type |
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| 1 | 1 | No Male driver under 25; non-business use | 1 |
| 2 | 1F | No male driver under 25; Farm use | 1 |
| 3 | 1A | No male driver under 25; non-business use, non farm, no driving to work | 1 |
| 4 | 1B | No male driver under 25; non-business use; drives to work - limited number of miles each day | 1 |
| 5 | 1C | No male driver under 25; non-business use; drives to work - over a limit of miles each way | 1 |
| 6 | 1D | No male driver under 25; non-business use, drives to work - no distance restriction | 1 |
| 7 | 3 | No male driver under 25; business use | 1 |
| 8 | 2 | Driver under 25; business and non business use | 1 |
| 9 | 2A | Male driver under 25; business and non business use; married or single male not owner or principal driver | 1 |
| 10 | 2B | Married male driver under 25; business and non-business use | 1 |
| 11 | 2C | Unmarried male driver under 25; business and non-business; owner or principal driver | 1 |
| 12 | 2D | Female driver under 25 | 1 |
| 13 | 2E | Single male operator age 25-29 inclusive; owner or principal operator | 1 |
| 14 | Sr. Citizen | Operator age 65 and over | 1 |
| 15 | All Other PPNF | No class plan or other class plan used; military post coverage, all other private passener cars | 1 |
type_of_business
| id | name | description |
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| 1 | Voluntary |
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| 2 | Residual |
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state
| name | code |
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| 1 | ALABAMA | AL |
| 2 | ALASKA | AK |
| 3 | AMERICAN SAMOA | AS |
| 4 | ARIZONA | AZ |
| 5 | ARKANSAS | AR |
| 6 | CALIFORNIA | CA |
| 7 | COLORADO | CO |
| 8 | CONNECTICUT | CT |
| 9 | DELAWARE | DE |
| 10 | DISTRICT OF COLUMBIA | DC |
| 11 | FLORIDA | FL |
| 12 | GEORGIA | GA |
| 13 | GUAM | GU |
| 14 | HAWAII | HI |
| 15 | IDAHO | ID |
| 16 | ILLINOIS | IL |
| 17 | INDIANA | IN |
| 18 | IOWA | IA |
| 19 | KANSAS | KS |
| 20 | KENTUCKY | KY |
| 21 | LOUISIANA | LA |
| 22 | MAINE | ME |
| 23 | MARYLAND | MD |
| 24 | MASSACHUSETTS | MA |
| 25 | MICHIGAN | MI |
| 26 | MINNESOTA | MN |
| 27 | MISSISSIPPI | MS |
| 28 | MISSOURI | MO |
| 29 | MONTANA | MT |
| 30 | NEBRASKA | NE |
| 31 | NEVADA | NV |
| 32 | NEW HAMPSHIRE | NH |
| 33 | NEW JERSEY | NJ |
| 34 | NEW MEXICO | NM |
| 35 | NEW YORK | NY |
| 36 | NORTH CAROLINA | NC |
| 37 | NORTH DAKOTA | ND |
| 38 | NORTHERN MARIANA IS | MP |
| 39 | OHIO | OH |
| 40 | OKLAHOMA | OK |
| 41 | OREGON | OR |
| 42 | PENNSYLVANIA | PA |
| 43 | PUERTO RICO | PR |
| 44 | RHODE ISLAND | RI |
| 45 | SOUTH CAROLINA | SC |
| 46 | SOUTH DAKOTA | SD |
| 47 | TENNESSEE | TN |
| 48 | TEXAS | TX |
| 49 | UTAH | UT |
| 50 | VERMONT | VT |
| 51 | VIRGINIA | VA |
| 52 | VIRGIN ISLANDS | VI |
| 53 | WASHINGTON | WA |
| 54 | WEST VIRGINIA | WV |
| 55 | WISCONSIN | WI |
| 56 | WYOMING | WY |
Section IV: Acronyms/Definitions
| id | Acronym | Explanation |
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| 1 | PK | primary key, the unique identifier for a row |
| 2 | FK | foreign key, a reference to a unique row that is defined in another table. |