The coverage provided in our core business, the Franchised New Car, Truck, Heavy Truck, Commercial Trailer, RV and Motorcycle Dealer Program, includes the coverage's provided by our major competitors and in several coverage areas, broader coverage is provided.  We are well aware of the importance of pricing as a major factor and our rating structure is designed to give us the necessary flexibility to successfully compete without sacrificing underwriting integrity.

ARM's authority varies by program, but may include responsibility for production, rating, underwriting, policy issuance and service, claims, loss prevention and control, statistical and accounting, as well as regulatory compliance.