Notification of an At-Fault Accident Surcharge
If you are determined to be more than 50 percent at fault in an accident, your insurance company will send you a Surcharge Notice.
The notice is sent to the involved operator within 20 (working) days of the insurance company's claim payment.
If the policyholder of the vehicle involved in the accident is not the involved operator, the insurance company will send the at-fault accident Surcharge Notice to both the policyholder and the involved operator.
The insurance company notifies the Merit Rating Board (MRB).
The MRB adds the at-fault accident to the involved operator's driving history record as a surchargeable incident.
Surcharge Notice Date
The surcharge notice date of an at-fault accident is the date of notice entered by an insurer on the at-fault accident Surcharge Notice. It is not the date of the incident. The at-fault accident surcharge notice date is used to determine if the incident falls within the 6-year policy experience period. The notice date is sometimes referred to as the "surcharge date."