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Auto insurance policies that may be subject to the SDIP include:
Contact your insurance company or your insurance agent to find out if they use the Safe Driver Insurance Plan as their merit rating plan.
The SDIP sets the specific surcharges for certain traffic violations and accidents and the specific credits for incident-free years. Insurance companies are not required to use the SDIP. Instead, insurers may choose to develop their own merit rating plan and submit it for approval by the Division of Insurance.
Regulation 211 CMR 134.00 facilitates the operation of the SDIP and merit rating plans by authorizing the Merit Rating Board to collect and report auto insurance claims and traffic law violations. The following vehicles, policies, and incidents are subject to the SDIP and to an insurer's merit rating plan:
Please note that insurers are required to report Comprehensive claims to the Merit Rating Board. At-Fault Personal Injury Protection claims with incident dates on or after April 1, 2008, with any monetary loss must also be reported to the Merit Rating Board.
Check with your insurance company or agent to find out more about the merit rating plan your company is using to rate your auto insurance premium.
An Operator SDIP Rating is equal to the sum of the surcharge points of the surchargeable incidents in the operator's 6-year policy experience period.
If there are no surchargeable incidents in the experience period, the total number of surcharge points is 0 (zero). The Operator SDIP Rating is 00 points, unless the operator is eligible for a discount:
Excellent Driver Discount Plus (Credit Code 99)
Any licensed driver with 6 or more years of driving experience and no surchargeable incidents in the 6-year policy experience period is eligible for the Excellent Driver Discount Plus (99).
Excellent Driver Discount (Credit Code 98)
Any licensed driver with 5 years of driving experience and no surchargeable incidents during the most recent 5 years is eligible for the Excellent Driver Discount (98). An operator with 1 (one) surchargeable incident may also be eligible for this discount (refer to SDIP Incentives and Your Policy).
These examples show how an Operator SDIP Rating is computed. Experienced operators (6 years or more of driving experience) with valid drivers licenses are used in these examples. The policy effective date is January 1, 2010.
An experienced operator with 1 minor non-criminal traffic law violation:
An experienced operator with 2 surchargeable incidents:
If you have further questions about the system of surcharges and credits that apply in the Safe Driver Insurance Plan, you can reach a Customer Service Representative at the Merit Rating Board any weekday from 8:30 a.m. to 5:00 p.m. by calling (857) 368-8100.
The following applies only if your insurance company uses the Safe Driver Insurance Plan (SDIP) as its merit rating plan.
4 parts of coverage on a Massachusetts private passenger auto insurance policy are impacted by the SDIP. The specific coverages are:
A surcharge percentage factor is used to increase the premium on each of these four coverages. For experienced operators, each surcharge point represents a 15% increase in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (Part 7) Collision. For inexperienced operators, each surcharge point represents a 7.5% increase in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (Part 7) Collision.
Credit code percentage factors are used to decrease the premium on each of these four coverages. For experiences operators with an SDIP rating of 99, a credit code represents a 17% decrease in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (Part 7). For inexperienced operators and experienced operators with an SDIP rating of 98, a credit code represents a 7% decrease in the compulsory coverages (Parts 1, 2, and 4) and the optional coverage (part 7).