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Compulsory Insurance
1. Bodily Injury to Others
2. Personal Injury Protection
3. Bodily Injury Caused by An Uninsured Auto (Compulsory Limits $20,000/$40,000)
4. Damage to Someone Else's Property
(Compulsory Limit $5000)
Optional Insurance
5. Optional Bodily Injury to Others
6. Medical Payments
7. Collision
8. Limited Collision
9. Comprehensive
10. Substitute Transportation
11. Towing and Labor
12. Bodily Injury Caused By An Underinsured Auto
Age 65 or Older
A 25% premium discount for all coverages will be applied after all other discounts and rating factors but prior to the application of the Safe Driver Insurance Plan rating step if: 1) the principal operator is 65 years or older; 2) there are no inexperienced drivers (0-6 years of driving experience); and 3) the automobile is not customarily used in business.
Passive Restraint
A 25% discount applied to the premium paid for Parts 2, 3, 6, and 12 is available if your automobile is equipped with an air bag or automatic seat belts.
Annual Mileage
A 10% discount applied to the premium paid for Parts 1-8 and Part 12 is available if your estimated annual mileage falls between 0-5000 miles. A 5% discount off of the premium paid for Parts 1-8 and Part 12 is available if your estimated mileage falls between 5001-7500 miles.
Antiques are not eligible for this discount.
Anti-theft
Anti-theft discounts of up to 35% of the premium paid for Part 9 are available for automobiles with various types of qualifying anti-theft devices. James J Sullivan Insurance Agency can provide you with a list of qualifying anti-theft devices and the corresponding discounts available.
Antiques are not eligible for this discount.
Multiple Cars
A 5% discount applied to the premium paid for Parts 7 and 8 is available if: 1) an individual or married couple own two or more automobiles insured by the same company; and 2) there are no inexperienced operators. The discount applies only to automobiles that: 1) have no listed inexperienced operators; and 2) are not customarily used in business.
Driver's Education
A 10% discount applied to the premium paid for Parts 1, 2, 4, 5, and 7 is available for the first 3 years after an inexperienced driver has completed an approved training course.
Public Transit
A 10% public transit discount applied to the premium paid for Parts 4 and 7 (up to a maximum of $75 per eligible vehicle) is available if: 1) you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems; and 2) you do not driver your automobile to work or school more than 10 days or more per month. Your insurance company or agent can provide you with a list of the qualified transit systems.
Rate Deviations
Many insurance companies have been offering discounts to their existing policyholders by filing requests with the Commissioner of Insurance to "deviate" from the basic insurance rate. These discounts have been offered primarily to the Commonwealth's safer drivers, mostly to those at SDIP steps nine through twelve.
Check with your agent to see if your insurance company has been approved to offer discounts to its safest drivers. If you are eligible for a group and a safe driver discount, you can take advantage of both!
Group Discounts
In recent years many insurers have been offering discounts to numerous groups to attract new customers. These discounts will decrease your entire insurance premium. In addition, many group plans do not charge interest or require an initial deposit.
An employer, civic organization, motor club, association, trade union, credit union, etc can sponsor groups. You may want to check with agents of several different insurers to learn which groups the insurer has been approved to offer discounts to and the size of the discounts. Any member of an approved group is eligible for the discount.
Group plans are not guaranteed to be renewed, or be renewed at the current discount level. By law groups may be continued if after two years of operation the group has 35% of its eligible members participating. If, however, after three years a group's loss and expense ratio makes the group unprofitable it cannot renew policies.
Help Prevent Fraud
Fill out the accident forms completely and accurately, making sure to get all necessary information from any other drivers and passengers. Keep a camera in you auto and take snapshots at the scene. Report the name and address of every person in the other autos, including those who were not apparently injured.
Be sure your body shop is registered with the Division Standards (617) 727-3480.
If you suspect fraudulent conduct on the part of anyone involved in your motor vehicle accident or your insurance claim – the other operators or passengers, the repair shop, the appraiser, or any employee of the insurer – please call the Insurance Fraud Bureau hotline 1-800-32-FRAUD. Another number to remember is the Governor's Auto Theft Strike Force Hotline 1-800-HOT-AUTO when you have information about an auto theft. You will be able to speak confidentially with an investigator about your suspicions.
This information is not meant to be a substitute for your Massachusetts Automobile Insurance Policy. For more information please visit the
Commonwealth of Massachusetts Division of Insurance web site.
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