For Personal Auto policies effective on or after February 1, 2014, commissions will be adjusted mid-term for endorsements involving the addition/deletion of youthful drivers.  The modification will also include moving from or to non-standard auto for New Hampshire risks.  Based on the effective date of the endorsement, commissions will be removed at the original commission rate and then added for the new commission rate.  Previously, the commission rate changed only upon renewal.

With this change, the proper commission rate reflecting youthful driver exposure on Personal Auto policies will apply throughout the policy term.  Should you have any questions, please feel free to contact your Personal Lines Field Manager or me.