Auto

Claims Navigation in Today’s Economic & Legislative Climate

Auto Dealers, Auto Repair, Auto Aftermarket & Assembly, Recreation Vehicle MFG
 

Unique Expertise

SmartComp’s team is experienced in providing claims management services to a wide range of service providers in the Auto Industry. We have the capability and expertise required to handle the most complex injuries and have been involved in the Auto Industry for over 20 years.

Focused On Results

SmartComp has a dedicated claims team that partners with our clients in the day to days management of the claims process. If you’re manufacturing, selling or renting Recreational Vehicle your Workers’ Compensation Insurance Cost is among the highest in the automotive industry.  Being On-Site, On-Time and On-Target we provide an alternative to these higher claims cost. 

 

On-Site Claims Navigation

Whether you’re a Auto Dealer, Auto Repair Shop, Aftermarket MFG,  Recreational Vehicle MFG or Mobile Home MFG SmartComp’s team of on-site claims management specialist are available to strategically navigate you and your injured worker through the Workers’ Compensation system.

 

Class Codes - Included by not limited to:

 

8391 - AUTOMOBILE OR AUTOMOBILE TRUCK DEALERS — all employees other than vehicle salespersons — including estimators, service writers, vehicle maintenance and repair, accessory or spare parts sales and the transporting of vehicles that are owned by the employer.

This classification shall apply only to those employers having, in addition to proprietors, a regular sales force engaged exclusively in the demonstration and sale of vehicles and separate clerical staff. If these conditions do not exist, Classification 8391 does not apply. If Classification 8391 does not apply and the employer performs vehicle repair work, assign the applicable vehicle repair classification(s) and if the employer performs no vehicle repairing assign Classification 8392, Automobile or Automobile Truck Storage Garages or Parking Stations or Lots, to employees who perform activities such as cleaning and washing vehicles, changing tires and recharging batteries.

Also refer to companion Classification 8748, Automobile or Automobile Truck Dealers — vehicle salespersons.

This classification also applies to yard and repair employees of employers that operate auctions for the sale of automobiles and automobile trucks. Auction salespersons who conduct no yard or repair-type operations shall be classified as 8748, Automobile or Automobile Truck Dealers – vehicle salespersons.

Towing, roadside assistance, and freeway service patrol operations when conducted on vehicles not owned by the employer shall be separately classified as 7227, Automobile or Automobile Truck Towing, Roadside Assistance or Freeway Service Patrol.

“Roadside assistance” refers to services provided to the vehicle owner under an agreement with a third party (such as a motor club or law enforcement agency). Contemplated services include changing tires, jump-starting batteries, supplying a small amount of gasoline or performing minor vehicle repairs such as reattaching ignition wires or battery cables.

 

Pure Premium Rate:  2015 (5.12), 2014 (5.28), 2013 (5.14), 2011 (3.19)

Expected Loss Rate: 2015        (), 2014 (1.69), 2013 (1.72), 2011 (1.65)

 

 

8748 - AUTOMOBILE OR AUTOMOBILE TRUCK DEALERS — vehicle salespersons

Also refer to companion Classification 8391, Automobile or Automobile Truck Dealers — all employees other than vehicle salespersons.

This classification also applies to vehicle salespersons of employers that operate auctions for the sale of automobiles and automobile trucks.

Pure Premium Rate:  2015 (1.66), 2014 (1.96), 2013 (1.92), 2011 (.99)

Expected Loss Rate: 2015        (), 2014 (  .62), 2013 (  .63), 2011 (.50)

 

 

8389 - AUTOMOBILE OR AUTOMOBILE TRUCK REPAIR SHOPS OR GARAGES — no retail gasoline sales — all employees — including estimators, service writers and customer service representatives — N.O.C.

 

Classification 8389 shall not be used for division of payroll in connection with Classification 8388, Rubber Tire Dealers, unless the operation described by Classification 8389 constitutes a separate and distinct enterprise having no connection with the operations covered by Classification 8388.

This classification does not apply to those automobile repair shop or garage locations at which the sale of rubber tires exceeds 10% of the total gross receipts. Such locations shall be classified as 8388, Rubber Tire Dealers.

Towing, roadside assistance, and freeway service patrol operations when conducted on vehicles not owned by the employer shall be separately classified as 7227, Automobile or Automobile Truck Towing, Roadside Assistance or Freeway Service Patrol.

“Roadside assistance” refers to services provided to the vehicle owner under an agreement with a third party (such as a motor club or law enforcement agency). Contemplated services include changing tires, jump-starting batteries, supplying a small amount of gasoline or performing minor vehicle repairs such as reattaching ignition wires or battery cables.

Pure Premium Rate:  2015 (7.47), 2014 (7.21), 2013 (6.82), 2011 (4.35)

Expected Loss Rate: 2015        (), 2014 (2.23), 2013 (2.39), 2011 (1.84)

 

 

8387 - AUTOMOBILE OR AUTOMOBILE TRUCK SERVICE STATIONS — all employees — including accessories and spare parts departments and estimators, service writers, customer service representatives and cashiers — N.O.C.

 

Classification 8387 shall not be used for division of payroll in connection with Classifications 8392, Automobile or Automobile Truck Storage Garages or Parking Stations or Lots, or 8388, Rubber Tire Dealers, unless the operation described by Classification 8387 constitutes a separate and distinct enterprise having no connection with the operations covered by Classifications 8392 or 8388.

This classification does not apply to those service station locations at which the sale of rubber tires exceeds 10% of the total gross receipts. Such locations shall be classified as 8388, Rubber Tire Dealers. This classification does not apply to those service station locations at which the sale of rubber tires exceeds 10% of the total gross receipts. Such locations shall be classified as 8388, Rubber Tire Dealers.

Towing, roadside assistance, and freeway service patrol operations when conducted on vehicles not owned by the employer shall be separately classified as 7227, Automobile or Automobile Truck Towing, Roadside Assistance or Freeway Service Patrol.

“Roadside assistance” refers to services provided to the vehicle owner under an agreement with a third party (such as a motor club or law enforcement agency). Contemplated services include changing tires, jump-starting batteries, supplying a small amount of gasoline or performing minor vehicle repairs such as reattaching ignition wires or battery cables. Refer to the Special Industry Classification Procedure for stores to classify the operations of combination gasoline stations and stores.

Refer to the Special Industry Classification Procedure for stores to classify the operations of combination gasoline stations and stores.

 

Pure Premium Rate:  2015 (6.65), 2014 (6.37), 2013 (5.78), 2011 (3.63)

Expected Loss Rate: 2015        (), 2014 (1.99), 2013 (2.06), 2011 (1.60)

 

 

 

 

2797(3) - RECREATIONAL VEHICLE MFG.

Classification 2797(3) shall not be used for division of payroll in connection with Classification 3808, Automobile or Motorcycle Mfg. or Assembling, unless the operation described by Classification 2797(3) constitutes a separate and distinct enterprise having no connection with the operations covered by Classification 3808.

This classification also shall apply to the manufacturing of campers, travel trailers and motor homes.

Pure Premium Rate:  2015 (13.10), 2014 (11.15), 2013 (11.40), 2011 (6.60)

Expected Loss Rate: 2015          (), 2014 (  3.91), 2013 (  3.98), 2011 (3.18)

 

 

2797(1) - MOBILE HOME MFG. Classification 2797(1) shall not be used for division of payroll in connection with Classification 3808, Automobile or Motorcycle Mfg. or Assembling, unless the operation described by Classification 2797(1) constitutes a separate and distinct enterprise having no connection with the operations covered by Classification 3808.

 

Pure Premium Rate:  2015 (13.10), 2014 (11.15), 2013 (11.40), 2011 (6.60)

Expected Loss Rate: 2015          (), 2014 (  3.91), 2013 (  3.98), 2011 (3.18)

 

 

3808 - AUTOMOBILE OR MOTORCYCLE MFG. OR ASSEMBLING

 

Pure Premium Rate:  2015 (5.60), 2014 (5.44), 2013 (5.37), 2011 (3.64)

Expected Loss Rate: 2015        (), 2014 (2.01), 2013 (1.98), 2011 (1.76)