Massachusetts Law About Auto Insurance
See Also:
Massachusetts Laws
- MGL c.90, s.34A-34R. Compulsory Motor Vehicle Liability Insurance.
- MGL c.175, s.113A-113U. Compulsory Motor Vehicle Liability Insurance.
- St.2011, c.195 An Act Prohibiting the Use of Credit in Underwriting and Rating Private Passenger Motor Vehicle Insurance. Effective March 26, 2012.
Massachusetts Regulations
- 211 CMR 74: Standards of Fault. Lists motor vehicle accident "situations in which fault is presumed to be more than 50%."
- 211 CMR 79: Private Passenger Motor Vehicle Insurance Rates. "Managed competition" insurance rate regulations cover policies with renewal dates beginning April 1, 2008.
- 211 CMR 88: SDIP Surcharge Appeals
- 211 CMR 134: Safe Driver Insurance Plan. Lists minor and major traffic accidents and offenses which subject the violator to "points" on their auto insurance.
Other Web Resources
Auto and Vehicle Insurance, Mass. Attorney General. Includes New Auto Insurance System, Shopping for Auto Insurance, Discounts Under the New System and more. Expresses concern over the accuracy of data provided by the Division of Insurance's InsureMass site.
Automobile Insurance, Mass. Office of Consumer Affairs. Includes Buying Auto Insurance, Mandatory Coverages, Discounts, Surcharge Appeals, Insurance Cancellation Appeals, RMV appeals and more.
Automobile Insurance Policy, 2008 ed., Automobile Insurers Bureau of Massachusetts.
Consumer Frequently Asked Auto Insurance Questions (about the 2008 changes to auto insurance rates), Mass. Independent Insurance Agents. Includes how rate setting works, and what to expect.
Current SDIP Policy Information, Mass. Dept. of Public Safety. Links to a variety of sources of information on the application of the Safe Driver Insurance Plan in Mass., including computation of points, relevant vehicles and policies, and more.
Insurance Premium Comparison Website, Mass. Division of Insurance. Shows sample rates for certain scenarios and towns.
SDIP and Your Auto Insurance Policy, Motor Vehicle Insurance Merit Rating Board. "Although Massachusetts moved from a fixed-and-established auto insurance market to a competitive market on April 1, 2008, the Safe Driver Insurance Plan (SDIP) is still applied to specific policies to adjust insurance premiums based on the operator's driving record."
Ways to Save on Your Automobile Insurance, Mass. Office of Consumer Affairs. Explains in simple English the choices available for coverage, including collision, comprehensive, and more.
Print Sources
Automobile Liability Insurance Update 2009, MCLE, 2009.
Streetwise: A Beginner's Guide to Handling Motor Vehicle Accidents, Mass. Bar Institute, 2006.