An Operator SDIP Rating is equal to the sum of the surcharge points of the surchargeable incidents in the operator's 6-year policy experience period.
If there are no surchargeable incidents in the experience period, the total number of surcharge points is 0 (zero). The Operator SDIP Rating is 00 points, unless the operator is eligible for a discount:

Excellent Driver Discount Plus (Credit Code 99)
Any licensed driver with 6 or more years of driving experience and no surchargeable incidents in the 6-year policy experience period is eligible for the Excellent Driver Discount Plus (99).

Excellent Driver Discount
(Credit Code 98)
Any licensed driver with 5 years of driving experience and no surchargeable incidents during the most recent 5 years is eligible for the Excellent Driver Discount (98). An operator with 1 (one) surchargeable incident may also be eligible for this discount (refer to SDIP Incentives and Your Policy).

These examples show how an Operator SDIP Rating is computed. Experienced operators (6 years or more of driving experience) with valid drivers licenses are used in these examples. The policy effective date is January 1, 2010.


Example 1:
An experienced operator with 1 minor non-criminal traffic law violation:

Speeding
Violation surcharge date is 6/30/09(Year 1)
0
No surcharge points are assigned to the first minor, non-criminal traffic law violation in the operator's policy experience period.
Total surcharge points
+0 Surcharge points added to 00
Operator SDIP Rating  =00  


Example 2:
An experienced operator with 2 surchargeable incidents:


Speeding
Violation surcharge date is 6/30/05 (Year 5)
 0 No surcharge points are assigned to the first minor, non-criminal traffic law violation in the operator's policy experience period. 
Major At-Fault Accident Violation surcharge date is 6/30/08 (Year 2)
 4 Number of surcharge points assigned to the major at-fault accident
Total surcharge points
 +4 Surcharge points added to 00
Operator SDIP Rating  =04 See this example used on an SDIP statement.

If you have further questions about the system of surcharges and credits that apply in the Safe Driver Insurance Plan, you can reach a Customer Service Representative at the Merit Rating Board any weekday from 8:30 AM to 5:00 PM by calling 857-368-8100.

!! Check with your insurance company or agent to find out more about the merit rating plan your company is using to rate your auto insurance premium.