Auto Territory Coverage
Section I. Tables
Policy
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Line of Business
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Transaction
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Claim Detail
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Premium Detail
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Coverage Code
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State
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Transaction Code
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Subline
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Company
...
type_of_business
...
class_group
...
class_group_type
...
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Auto Territory Coverage: Attribute Definitions
| Attribute | Description | |
|---|---|---|
| 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. |
| 5 | 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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Section II: Reports Covered
| id | name | status | notes |
|---|---|---|---|
| 1 | AAIS Territory Coverage | Complete | initial report |
| 2 | Auto Stat Report | Incomplete |
Section III: Data
class_group_type
| id | name | description |
|---|---|---|
| 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 |
|---|---|---|---|
| 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 |
|---|---|---|
| 1 |
...
| Voluntary | ||
| 2 | Residual |
state
| name | code | |
|---|---|---|
| 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 |
|---|---|---|
| 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. |