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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
Certificates of Insurance
Nov 21, 2011 Certificates of insurance do not change the wording of a policy.On a daily basis, our clients request that we issue "certificates of insurance". What are they? Essentially, they are documents that represent the active insurance policy . Our clients, in order to get paid or secure a contract, are asked to present this "proof of insurance" often with additional language that has not been approved by the insurance company.
Too often, clients learn of the certificate requests late in the game and want a quick turnaround of the document with additional language attached. Certificates of insurance are legal documents attesting to the the existence of on "in-force insurance policy". They do not change the wording of a poilicy nor do they modify the insurance protection. Any and all language being requested by vendors must be submitted and approved by the insurance company prior to being printed on a certificate.
