Registry Procedures Manual - D.104

Appendix D. Safe Driver Insurance Plan 211 CMR 134.00
Credit Points. Except as otherwise provided by 211 CMR 134.00, one Credit Point is earned by an
operator with a valid driver's license for each Incident-free Year within the Policy Experience Period.
Designated Statistical Agent. The rating organization or other agency designated by the
Commissioner as the statistical agent for the Division of Insurance pursuant to M.G.L. c. 175A, §
15(a).
Division. The Division of Insurance established pursuant to M.G.L. c. 26, §1.
Excellent Driver Discount. The percentage value assigned by the Commissioner at the time Private
Passenger Motor Vehicle insurance rates are fixed-and-established pursuant to M.G.L. c. 175, §
113B reflecting the lower expected loss experience of operators with Incident-free Periods of more
than five and less than six years, which may vary according to the affected liability coverages and
Collision Coverage, irrespective of the class and territory of the Policy.
Excellent Driver Discount Plus. The percentage value assigned by the Commissioner at the time
Private Passenger Motor Vehicle insurance rates are fixed-and-established pursuant to M.G.L. c.
175, § 113B reflecting the lower expected loss experience of operators with Incident-free Periods of
at least six years, which may vary according to the affected liability coverages and Collision
Coverage, irrespective of the class and territory of the Policy.
Fixed-and-established Market. A market in which premiums for Private Passenger Motor Vehicle
insurance are based on rates fixed-and-established by the Commissioner pursuant to M.G.L. c. 175,
§ 113B, following a hearing and decision pursuant to M.G.L. c. 175E, § 5 finding that competition in
the Private Passenger Motor Vehicle insurance market is, with respect to any territory or to any kind,
subdivision or class of insurance, either insufficient to assure that rates would not be excessive, or
so conducted as to be destructive of competition or detrimental to the solvency of Insurers.
Incident-free Period. The number of consecutive Incident-free Years immediately preceding the
Policy Effective Date and within the Policy Experience Period of the Policy for which an operator with
a valid driver's license had no Surchargeable Incidents.
Incident-free Year. Any of the series of one-year periods immediately preceding the Policy Effective
Date and within the Policy Experience Period of the Policy for which the licensed operator had no
Surchargeable Incidents.
Insurer. Any corporation, association, partnership, group or individual engaged as a principal
authorized to write Private Passenger Motor Vehicle insurance in the Commonwealth.
Involved Operator. Any person determined to have been operating a motor vehicle subject to 211
CMR 134.00 at the time of, and involved in, an accident subject to 211 CMR 134.00, or any person
having a traffic law violation subject to 211 CMR 134.00, as specified by 211 CMR 134.03.
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