Safe Driver Insurance and Merit Rating Plans

What this document is

211 CMR 134.00: Safe Driver Insurance and Merit Rating Plans is a regulation published by Massachusetts Division of Insurance (mass.gov). It is one of the Massachusetts documents that insurance license exam questions are written from, including massachusetts property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• 211 CMR 134.06(1) (Notice Following Traffic Law Violations; No Notice by Insurer or Merit Rating Board)

  “Citation for any traffic law violation subject to 211 CMR 134.00 shall serve as sufficient notice to the Involved Operator that premium adjustments may be applied. There shall be no right of appeal to the Board of Appeal pursuant to M.G.L. c. 175, § 113P or M.G.L. c. 175E, § 7A.”

• 211 CMR 134.02 (Definitions; At-fault Accident)

  “At-fault Accident. An accident involving a vehicle subject to 211 CMR 134.00 wherein the Involved Operator was more than 50% At-fault, as determined by the application of the Standards of Fault of the Board of Appeal, and that: (1) For accidents occurring before July 1, 2015, results in a claim...”

• 211 CMR 134.11(6)(b) (Application of Safe Driver Insurance Plan or Merit Rating Plan; Refunds; For Policies Subject to the Safe Driver Insurance Plan during Fixed-and-established Markets)

  “For Policies Subject to the Safe Driver Insurance Plan during Fixed-and-established Markets. Whenever the number of SDIP points is decreased by reason of a reversal by the Superior Court or the Board of Appeal of an incident previously reported and billed, Insurers shall re-rate policies to exclude...”

• 211 CMR 134.13(5) (Schedule of Surcharge Points; Minor Traffic Law Violation)

  “Minor Traffic Law Violation. Two Surcharge Points shall be assigned to each minor traffic law violation, as defined in 211 CMR 134.09(3)(d), that is within the Experience Period of the Policy. No Surcharge Points shall be assigned to a minor traffic law violation which is the first traffic law...”

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Questions about this source

More Massachusetts sources

• M.G.L. Chapter 176D - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance (Secs. 1, 2, 3, 3A, 4, 5, 11)State statute
• Massachusetts accident and health / disability policy provisions: M.G.L. c. 175, ss. 108-108N, 110A-110M, 111State statute
• M.G.L. ch. 176D, Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance (complete chapter)State statute
• Massachusetts insurance contract and general provisions applicable to all insurers: M.G.L. c. 175, ss. 2, 2A, 2B, 3, 181-194State statute
• Massachusetts group and blanket health insurance: M.G.L. c. 175, ss. 110, 110D, 110G, 110I, 110J, 110K, 110LState statute
• Massachusetts group life insurance: M.G.L. c. 175, ss. 133-138AState statute
• Massachusetts life insurance and annuity contracts, including standard policy provisions: M.G.L. c. 175, ss. 118-132A1/2, 139-146A, 149, 204State statute
• Massachusetts Life and Health Insurance Guaranty Association Law: M.G.L. c. 175, s. 146BState statute