The Safe Driver Insurance Plan (SDIP) may be used by your insurance company to adjust your auto insurance premium based on your driving record.

The SDIP sets the specific surcharges for certain traffic violations and accidents and the specific credits for incident-free years. Insurance companies are not required to use the SDIP. Instead, insurers may choose to develop their own merit rating plan.

Regulation 211 CMR 134.00 facilitates the operation of the SDIP and merit rating plans by authorizing the Merit Rating Board to collect and report auto insurance claims and traffic law violations. The following vehicles, policies, and incidents are subject to the SDIP and to an insurer's merit rating plan:

  • any private passenger vehicle rated in accordance with the Massachusetts Private Passenger Automobile Insurance Manual. Refer to
  • any Massachusetts private passenger auto insurance policy that provides the compulsory coverages (Bodily Injury To Others, Personal Injury Protection, Damage To Someone Else's Property) and/or Collision coverage for one or more vehicles subject to the Regulation.
  • any at-fault accident that results in a claim payment of more than $500 (in excess of any applicable deductible) for damage to or caused by a vehicle subject to the Regulation. An at-fault accident is one in which an operator is determined to be more than 50 percent at fault for causing the accident. Claim payments are for specific coverages: Damage To Someone Else's Property, Collision, and Limited Collision. Bodily Injury To Others claims may also be subject to the Regulation, but only if there is no Collision or Damage To Someone Else's Property claim over $500 as a result of the same incident.

    Please note that insurers are required to report Comprehensive claims to the Merit Rating Board. At-Fault Personal Injury Protection claims with incident dates on or after April 1, 2008, with any monetary loss must also be reported to the Merit Rating Board.
  • any traffic law violation that results in a conviction of an operator for a violation of a surchargeable traffic law. This includes payments made or assessed for a citation, or any assignment of an operator to a driver alcohol education program or controlled substance abuse treatment or rehabilitation program.
  • any minor or major out-of-state traffic law violation that is listed in the Massachusetts SDIP Surchargeable Traffic Law Violations (Appendix A). This includes any conviction of a traffic law violation reported by another state to the Massachusetts Registry of Motor Vehicles as the result of any agreement for exchanging information between states.
!! 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.

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