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EXPLANATION OF RATING PLAN <br /> Underwritten by 21st Century Casualty Company <br /> California law requires that we explain how traffic violation convictions and chargeable <br /> accidents can affect your insurance premium. <br /> SAFETY RECORD NOTICE <br /> Your Safety Record is one factor which determines your premium using the number of <br /> minor violations, major violations and principally at-fault accidents (>=51%) which occurred <br /> during the three years immediately preceding the effective date or renewal date of the <br /> policy. <br /> • Accident(s) on or after December 11, 2011: An accident is chargeable if the driver is <br /> determined to be at least 51% of the legal cause and for which either the accident <br /> resulted in bodily injury or death or the total loss or damage for Property Damage liability <br /> and/or Collision coverage exceeds $1000. <br /> • Accident(s) prior to December 11, 2011: An accident is chargeable if the driver is <br /> determined to beat least 51%of the proximate cause and for which a payment is made <br /> that exceeds $750 for a bodily injury liability coverage, or there is a death, or $1000 <br /> for property damage liability or collision coverage. <br /> In order to verify the driving record used to determine an individual's safety record points, <br /> the named insured must provide acceptable verification of the accident driving record for <br /> the prior three years for all operators rated on the policy. <br /> TOG-AUT-CA61 1-22 TA gettoggle.com Page 7 <br />