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The Safe Driver Insurance Plan (SDIP) is a program mandated by state law that encourages safe driving by rewarding drivers who do not cause an accident or incur a traffic law violation and by making sure that high-risk drivers pay a greater share of insurance costs. The SDIP premium adjustment is the last step in the rating process after all discounts and rating factors have been applied.
You incur surcharge points if you:
You incur surcharge points if you are more than 50% at fault for an accident. You incur three surcharge points for Minor At-Fault Accidents. A claim payment of over $500 up to and including $2,000 for Collision or Damage to Someone Else's Property is considered a Minor At-Fault Accident. If the claim payment is over $2,000, it is a Major At-Fault Accident.
If you are convicted, and/or pay a fine for violating certain motor vehicle laws in MA or out-of-state, or you are required to participate in an alcohol education program, the court will notify the Merit Rating Board. The violation and surcharge points will be added to your driving record. Minor traffic violations include infractions such as: speeding, operating a vehicle without a valid inspection sticker and failure to obey traffic lights. Some examples of major traffic violations include operating under the influence of liquor or narcotics, leaving the scene of an accident and refusing to stop for a police officer. If you disagree with a traffic violation, you must appeal it through the court system, as indicated on the back of the citation violation. Traffic violations cannot be appealed to the Division of Insurance Board of Appeal or the Merit Rating Board.
A new driver can send a parent's stress-level soaring. So let's focus on ways to control a young driver's impact on your peace of mind.
Talk to us about other strategies to keep your new driver safer.
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