Registry Procedures Manual - D.117

Appendix D. Safe Driver Insurance Plan 211 CMR 134.00
134.10: Computation of Safe Driver Insurance Plan Surcharges and Credits
(1) 211 CMR 134.10(2) through 211 CMR 134.10(8) shall be required only for Policies issued during a
Fixed-and-established Market.
(2) Information Used for Computation. For Policies Subject to the Safe Driver Insurance Plan.
In response to a request from an Insurer for SDIP Information for a Policy subject to 211 CMR
134.00, the Insurer shall use the total number of Surcharge Points or Credit Code for each Listed
Operator as reported by the Merit Rating Board to calculate the applicable operator surcharge
factor or operator credit factor in accordance with 211 CMR 134.10(3). The Insurer shall use the
resulting factor to adjust the Policyholder's premium accordingly.
(3) Operator Surcharge Factor or Operator Credit Factor. For Policies subject to the Safe Driver
Insurance Plan, each Listed Operator shall be assigned an operator surcharge factor or an
operator credit factor based on the operator's driving history record. The surcharge factor is
equal to one plus the product of the total number of SDIP Surcharge Points, calculated pursuant
to 211 CMR 134.10(4)(a), and the Surcharge Percentage. The credit factor is equal to one minus
either the Excellent Driver Discount or the Excellent Driver Discount Plus, as applicable.
(4) Calculation of Total Operator SDIP Points.
(a) For Policies Subject to the Safe Driver Insurance Plan.
1. When the Incident-free Period is less than or equal to three, the total number of Surcharge
Points applicable to the operator shall be the sum of the Surcharge Points identified for each
Surchargeable Incident in the Policy Experience Period.
2. When the Incident-free Period is greater than three, and the total number of Surchargeable
Incidents in the most recent five years of the Policy Experience Period is three or less, the
Surcharge Points applicable to each incident shall be reduced by one and the total number
of Surcharge Points applicable to the operator shall be the sum of those reduced Surcharge
Points. In no event shall the Surcharge Points for any single incident be reduced below zero.
(b) For all Policies Subject to the Safe Driver Insurance Plan. Only Surchargeable Incidents that
are within the Policy Experience Period shall be used in calculating Surcharge Points, however,
Surcharge Points for Surchargeable Incidents in the sixth year of the Policy Experience Period
shall be set at zero. The Merit Rating Board shall use the Surcharge Date of a Surchargeable
Incident to determine which Surchargeable Incidents are within the Policy Experience Period.
The Surcharge Points assigned for each major accident, each minor accident, each minor
traffic law violation and each major traffic law violation, as designated by the Commissioner and
posted on the Division's website at www.mass.gov/doi, are set forth in 211 CMR 134.13.
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