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MAPFRE | Commerce Insurance

Merit Rating Plan Massachusetts

The Safe Driver Insurance Plan (SDIP) adjusts premiums to fairly reflect the driving records of customers. The Plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs. Massachusetts law provides the right to a hearing to appeal an at-fault accident surcharge before an impartial hearing officer of the Board of Appeals.

Surcharge points are incurred if you:

  • cause an at-fault accident
  • are convicted of or pay a fine for a traffic law violation
  • are assigned to an alcohol education program

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