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Latest Insurance FAQs
What is the Safe Driver Insurance Plan (SDIP)?
The Safe Driver Insurance Plan (SDIP) is mandated by state law to establish classifications of risks to fairly reflect the driving records of insureds and adjust premiums based in part on at-fault accidents. 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, unlike many comparable jurisdictions that afford no or limited due process rights, provides the right to a hearing before an impartial hearing officer of the Board.
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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In order to get the right insurance coverage, you need someone who sees the big picture.
At The Howes Insurance Group, we see the big picture of your insurance needs and actively guide you in selecting the most effective strategies for minimizing risk at a superior value. Sometimes we see something indicating you need more coverage. But just as likely, we see ways for you to reduce your costs by eliminating, consolidating or updating your coverage. In fact, we consider this one of the most important aspects of the service we provide.
As an independent agent, we will provide you access to a wide range of insurance companies and programs while offering personalized guidance and assistance based on a full understanding of your life and goals.
