Copyright (c) 1979, Martin Hill, Jr. This set of programs rates either Combined Single Limits or Split Limits automobile insurance. These programs were created for my own use in my insurance agency, and should not be construed as "finished" products, or ready for sale. I will point out known bugs at the end of these operators notes, how- ever, it will be necessary to have some programming knowledge to get this system running in an office other than my own. I would be glad to answer questions for PROTEUS members when time permits. There are four options printed in a menu at the start of the AUTO program. The first is a long form quote which gets the name and address of the customer. The second is a short form quote that records only information pertaining to the car being rated. There are two other options on the menu. Both of these options XEQ programs which create rates for the auto system to call during the rating process. Although I am located in a metropolitan area, I use only 1 rating territory for automobile insurance. My use of other territories would not justify the time taken to keep rate files on the disk. As a result, I don't have different territories built into the file names. Some suggestions for including territories will be included along with other comments on using these programs in a local agency not located in Colorado. ************************************************************* Documentation follows for the following programs: 1. AUTO (inputs basic customer info. and selects the company) 2. RATES (inputs limits, deductibles,calculates & prints quote) 3. RATES-C (same as rates for combined limits policies) 4. CHANGE (rates multi car, corrects customer info.,rerates) 5. R.FILE-S (makes rate file, split limit policies) 6. R.FILE-C (makes rate files, combined limits) ************************************************************ AUTO This simple program inputs information about the customer and stores it in a disk file called A-PROSP. In lines 400 to 500 the user selects the company that he wishes to use to rate the policy and the "computed goto" in line 560 leads to the only trickey part of this program. Q$ is the name of the insurance company being rated. Along with the customer information, Q$ is recorded on A-PROSP, then the program to rate the quote (either RATES or RATES-C ) is chained by the XEQ command. The user of this program will have to modify lines 410 to 520 and 570 to 650 to apply to the companies that he is using. Further, he will have to keep the names that he gives rate files consistent with the names in lines 570 to 650. There is a subroutine that scans the entire description of of the vehicle being entered to determine if the vehicle is a pick 'em up truck. (We have lots in Denver). If the subroutine finds a "P" or a "p" then it asks if the vehicle is a Pick-up, and if so, sets a flag. RATES These comments will also apply to RATES-C, which is a shorter version of RATES, in that there is less information to be input. Rates first reads A-PROSP as written by the AUTO input program. It then inputs the limits requested for the quote. Lines 330 and 340 set premium for Uninsured motorist and Towing coverage, as they do not change from company to company in Colorado. Lines 380 to 410 determine collision deductibles and also the "print out" of which deductible as selected in P1$, (comprehensive) and P2$, (collision). In RATES-C I have a routine that looks at each file name and if a match is made, changes the comp. deductible from ACV and 50 to 50 and 100. This is because CNA does not offer ACV comp. This routine can be changed by the user to include his companies that do not offer ACV comp. Lines 420 to 690 read rate files for BI, PD, PIP, ACV (or 50 ded.) comp, and 100 and 200 collision. The rest of the program is fairly simple. However be aware of the subroutines which rate symbol groups higher than 7. My subroutines select the premium for symbol 4 and which ever age group is applicable. This is then multiplied by a factor from the ISO auto manual. The user might be smart to add a line to check for symbol 8, for which ISO published no rate. This subroutine will return the premium for symbol 4, and the age group you selected. If you input symbol 8, this premium will probably be incorrect. CHANGE CHANGE is the program that manipulates the file A-PROSP to correct information about the customer, the car involved, or for rating second or third cars. CHANGE keeps a string, which lists cars previously rated and adds the car currently being rated to the list. A short routine adds a carriage return and line feed to the string to make the output pretty when printed by RATES or RATES-C. The user might wish to clean up the display from lines 150 to 260 which print most of the current contents of A-PROSP. Line 400 sets the running total of the file to 0 if you are going to rerate the same car in a different company. Lines 440 and on display the companies that have rate files on your disk. This of course costs you some time when making a rate file for a new company, because you have to remember to add lines for CHANGE, and also add lines in the program AUTO. (I have not had time yet to modify these programs to have R.FILE-S and R.FILE-C write the name of the new file to a text file which then is read by the program which to display rate files {companies} that are available.) R.FILE-S As noted R.FILE-S makes rate files for split limit policies. The rates input for this program must be annual rates. This was done as a convention for me, inthat most of my companies which issue family auto or "standard" policies do so on an annual basis. R.FILE-C on the other hand is for a 6 month period, also to better fit into the companies methods of publishing rates. I have routines in a similar program to input annual data as supplied by CNA and use it in RATES-C, which is the combined limit, six month program. If a user can't figure out how to make this modification I would be glad to help for the price of a phone call. The division necessary makes the program hard to follow when looking at a listing. When I wrote these programs my HELIOS was new and not inexpensive. I was really motivated to get the auto system running. Now I am getting motivated to clean up the programs and make them somewhat foolproof and easier to operate. The next major change will be in the method of inputting rates for comprehensive, and the $100 and $200 deductible collision rates. As of now, R.FILE-S and R.FILE-C require you to input a premium for each physical damage entry for each symbol and age group. Another way of stating this is: The company publishes rates for symbol group 1-2, 3, 4, 5, 6, and 7, and for age group 1, 2-3, 4-5, and 6. The program asks for rates for each symbol and age, without recognizing that some of them are grouped toghether. It's not bad once you get the hang of it... and if you pay strict attention to the prompt from the program you'll do fine. If you don't like this method, you might use the text editor to create data files. BUGS Other than the areas in the text above that are mentioned for possible change, here are the only known bugs. 1. Some companies "toss in" uninsured motorist and towing coverages and some make the token charges. The program RATES and RATES-C charge the premium so you might be high sometimes. It would be a simple matter to make the charges for these coverages a part of the file, but it would take a bit of time. I haven't done it because there are built in errors with the companies rounding and computing premiums anyway. I am always quite close with the program, and we try to sell our service, not our prices. 2. If you elect to quote the same car in another company in the CHANGE program, the running total does not reset. A similar thing happens with the string that carries all of the previously rated cars. 3. There is no check for a symbol 8, so you might get an error if you input symbol 8 in any of the physical damage sections. STATEMENT OF PURPOSE I want to get the PROTEUS PASCAL running, and so am sending a program which runs, within it's limitations. I am not a machine language programmer, and have no jucy systems stuff to contrubute. I would not guarantee the operation of these programs to anybody. They work in my shop however, and I would be glad to help anybody who wants to use them get them running in his own agency. Also, I'll send corrections and updates to PROTEUS when these programs are in final form. GETTING STARTED Here is a set of instructions that should get you running if you are starting the auto rating system cold. Lets assume you are going to to use a split limits policy for the first rate file, and to make the rate file you must XEQ R.FILE-S. After you have the rates on the disk and have written down the company identification you should load get the program AUTO and change a line in 520 to 620 to reflect the name of the company you are going using. Then in lines 670 to 750 insert the company code chosen, BE SURE TO INCLUDE THE "S" THAT WAS ADDED BY THE RATE FILE PROGRAM. THE PROGRAM DESCRIMINATES BETWEEN SPLIT LIMITS AND COMBINED LIMITS BY THE S OR C FOLLOWING THE 3 LETTER CODE. An example of the file name is my line 670. The code "AFAS" stands for Aetna Family Auto, with the S being added by the file program. In the same light the CNA company in line 710 is NFSC. National Fire at Standard rates on a Combined limits policy. Once you have a rate file you can then proceed to use the program RATES or CHANGE. There is a little error control in RATES, if the file is not on the disk, the program jumps to a message and then reloads AUTO. Erratic results cannot be traced properly without elim- inating line 405 of RATES, and RATES-C. A-PROSP Here is a listing of the variables saved by A-PROSP N$ Name of insured A$ Address Z$ City, State, Zip Code T$ Telephone # C$ Year and make of Car P$ Physical damage flag, Y (yes), N (no), C (comp) F$ Rating class i.e. 8112-20 S,A Symbol and age...important to enter in order F Rating factor, i.e. .85 T, Total for current car T1 Running total for all cars Q$ Company code for company being rated Q1$ Flag for "short form" quote C1$ List of cars already rated P9 Flag for Pick-up truck -+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+ I would hate to think I typed this whole file for nothing. If anybody trys these programs, or has any questions or comments including ways to improve them, don't hesitate to call or write. Martin Hill, Jr. Insurance Rating Software 1152 Nucla Street Aurora, Colorado 80010 303 364-7447 4/11/79