ISO’s Personal Auto Physical Damage Rating Symbols
ISO’s Personal Auto Physical Damage Rating Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series and each model year. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for individual comprehensive and collision policies.
Like all ISO products and services, Personal Auto Physical Damage Rating Symbols are advisory. You may use them without modification, modify them, or choose not to use them.
There are many reasons we may need to adjust a vehicle’s Symbol
- Some vehicles with similar MSRPs are more attractive to thieves than others.
- Some vehicles with similar MSRPs are involved in more collisions than others.
- Some vehicles with similar MSRPs are more expensive to repair than others.
We review loss experience for a given model-year vehicle multiple times to determine the continued adequacy of the vehicle’s Rating Symbol.
By adjusting the Symbol based on actual loss experience, ISO’s Symbols promote equity.