MA Accident Coverage

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When the inevitable happens……

If you are on the roads driving at all, it is usually only a matter of time until you get in one – an accident, fender bender, crash, whatever you call it, it never happens at the “right” time.  Well, it happened to me a couple of weeks ago and although it was minor, it still does seem to shake you up.

I have been in the insurance business for about 25 years but still had to think about what information I would need to collect at the scene.  What I did use was the Accident Reporting Form that we include in the plastic registration holders that we have in the office.  (Please call (781-659-2262), stop by (680 Main St, Norwell), mail (PO Box 299, 02061) or email us here if you would like one.)  You will have all necessary information in order to call in the accident if you complete this form. 

You can visit our website to find the phone numbers of the company here so that you can call the claim in directly to the company.  They do like to hear from the drivers directly and they can set up an appointment with you to look at your car.  If you need to complete a Crash Report you can download one from our website and mail to us; we will be more than happy to make copies and forward them as necessary. 

Although it is never a pleasant experience, we are here to help you through  the process.

In the meantime…drive carefully!!

 Sue Renfrew  
Andrew G. Gordon, Inc.

Related Articles

• Car Crashes: a word to the wise from the not-so-wise (agordonins.wordpress.com)

Appealing a Surcharge

 

Before you start the process of appealing a surcharge, it is important to first understand how the Merit Rating Board and Safe Driver Insurance Plan (SDIP) work.

 The Merit Rating Board:

All Massachusetts auto insurance companies are required to report at-fault accidents and out-of-state driving records to the Merit Rating Board (MRB). The MRB is the state agency that maintains driving records.
The MRB driving record consists of surchargeable incidents. A surchargeable incident is any event in which you are:

1. Convicted of, or pay a fine for, a motor vehicle violation
2. Assigned to an alcohol education program or controlled substance treatment or rehabilitation program
3. Found to be more than 50 percent at fault for an accident, and your insurance company makes a claim payment above a certain threshold

If you decide not to pursue an appeal, the surcharge can increase your premium and SDIP step.
In addition, each surchargeable incident counts toward possible license suspension.

You are considered to be more than 50 percent at fault in an accident if your insurance company:

1. Finds you at fault according to one of the 19 At-Fault Standards  and
2. Has paid a claim of more than $500 for Collision, Limited Collision, Damage to Someone Else’s Property, or Bodily Injury to Others.

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.

If you believe that you are not more than 50% at-fault for an accident in which you received a surcharge, you may appeal the motor vehicle accident surcharge to the Division of Insurance Board of Appeal.

Your insurance company will mail you a Notice of Surcharge.

1. If any of the information listed on the Surcharge Notice is incorrect (name, driver’s license number or date of accident), contact the issuing insurance company to make the corrections before appealing.
2. If you do not receive a Surcharge Notice or misplace it:
3. Contact your insurance agent for a copy of the Surcharge Notice     OR
4. Request a late appeal from the Merit Rating Board.
5. Complete the Surcharge Appeal Form located on the reverse side of the Notice of Surcharge.

• The appeal must be filed within 30 days of the surcharge date.
• If you did not submit your appeal within 30 days because you never received a Surcharge Notice, you must obtain a Late Appeal from the Merit Rating Board. The Board of Appeal must receive the Late Appeal within 30 days of your policy renewal.

1. Submit a $50.00 check or money order payable to the Commonwealth of Massachusetts/Board of Appeal.

• The fee is non-refundable.

1. Mail your appeal to the post office box designated on the application. Late appeals must be sent directly to the Division of Insurance, Board of Appeal.
2. Upon receipt of your surcharge application, the Board will mail you a postcard to acknowledge your appeal. Your cancelled check will serve as an additional receipt of your filing.
3. The Board will mail you a Notice of Hearing approximately 3 weeks prior to your hearing date.
4. Appeal hearings are scheduled in Boston, Brockton, Cambridge, Peabody, Plymouth, Somerville, Springfield, Waltham, or Worcester. Carefully note the location of your hearing listed on the Notice. Directions are included at the bottom of the Hearing Notice.
5. Upon receipt of the Hearing Notice, you have three options for which to pursue the appeal:
1. Appear in Person.
   Bring your Hearing Notice to the scheduled location.
   Bring copies of all relevant information, any documents/photographs etc. that you want the Hearing Officer to consider when making the decision.
2. Submit a Written Statement in lieu of your appearance.
   The Board must receive your written or typed statement via mail or facsimile at least 5 days priorto your hearing. The statement must include:
• copies of all relevant information, any documents/photographs etc. that you want the Hearing Officer to consider in making the decision
• your signature on the Hearing Notice that identifies you are waiving a personal appearance in favor of your written statement & affirms that your statement is truthful.
3. Select a representative to appear on your behalf.
   If you elect to submit a written statement via a representative, instead of appearing in person, it must include:
   • Copies of all relevant information, any documents/photographs etc. that you want the Hearing Officer to consider in making the decision
   • your signature on the Hearing Notice that identifies you are waiving a personal appearance in favor of your written statement & affirms that your written statement is truthful.

The hearing is informal and public, lasting approximately 20 – 30 minutes. The Hearing Officer will make an audio tape recording of the hearing. You and your insurance company representative will be given an opportunity to present all pertinent information. You may also bring a witness or a witness statement to the hearing. The Hearing Officer may ask you or the representative questions to clarify the information presented or the circumstances of the accident.

At the conclusion of the hearing, the Hearing Officer will take your appeal under advisement. The facts and circumstances presented will be reviewed in accordance with the governing laws and regulations.

The Memorandum of Finding and Order, the Board’s decision, will be mailed to you within 2-4 weeks. The Board will also contact the Commonwealth’s Merit Rating Board and your insurance company so that your driving history record will be properly updated.

• If the decision is marked VACATE, the Board has found that you were not more than 50% at-fault for the accident. Any points that you received on your driving record as a result of the accident will be removed.
• If the decision is marked UPHELD, the Board has found that you were more than 50% at-fault for the accident. The surcharge points will remain on your driving record.

If you disagree with the determination of the Board, you may appeal the decision to your county’s Superior Court or in Boston Suffolk County Court. You must file this appeal within 30 days of your receipt of the decision.
A surcharge incurred due to a traffic violation or a non-moving violation are not appealable to the Board…

Bill Cordaro
Commercial Accounts
Andrew G. Gordon, Inc.

Related Articles

• What is an insurance surcharge (wiki.answers.com)

Insurance in the Courtroom: Are You Covered?

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Many people feel that we now live in a litiginous society.  We hear about lawsuits being filed for injuries resulting from seemingly minor auto accidents or slip and fall injuries at residences.  With this trend in filing lawsuits, we strongly recommend that our insureds consider purchasing an excess liability, or umbrella, policy to protect their assets.  These would include any homes or properties owned, vehicles, boats, retirement income, etc.  Coverage can be purchased starting at $1M in coverage for a relatively low premium and can often be endorsed onto the existing homeowner policy.

One might think that only well-established people would need this coverage but we have learned that even the young who may not yet own any property or have older vehicles of insignificant value should also consider this coverage.  In the event of an at fault auto accident which may have caused injuries to others, a law suit may be filed against the young operator with no assets and a judgment may be assessed to garnish future wages for many years.  A $1M umbrella would certainly help in such a situation as not only would the settlement amount be paid for under the umbrella but also the defense costs are built into this coverage.

It is extremely important that one protects the assets that could be made available to someone who has been successful in obtaining a judgment against you.

Another factor to consider in protecting yourself is not only to purchase this excess liability coverage but also to try to eliminate the potential risks for injury.  When driving an auto, avoid alcohol, cell phone usage, and other distractions while observing the rules of the road and maintaining safe speed limits.  At residences, paths should be kept clear of ice and snow in the winter and smoke & carbon monoxide detectors  should be maintained in proper working order.  Power tools, weapons, and alcohol should be kept under lock and key and toys and gardening tools should not be left where visitors could trip or fall.  If there is a swimming pool or pets, verify that you are complying with town ordinance requirements for the pool’s fencing and gates as well as pet restraints. 

It is not our intent to alarm anyone but rather to educate people by making them aware of their ability to keep themselves and their assets protected.

For additional information on other insurance coverages or to read some of our other informative blogs, please visit our website at www.agordon.com.

Donna Bellavance
Andrew G. Gordon, Inc.

Car Crashes: a word to the wise from the not-so-wise

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Let it be stated for the record that I, Corbin Foucart, am henceforth a TERRIBLE driver. This shall be reflected in both my crushed ego and in my insurance premium. However, until 6:57 A.M. Eastern Standard Time, April 1st 2011, I considered myself a good driver. Why the transformation? Because that morning I took my cherished 1994 Honda CR-V and slammed it into a tree.

Now some explanation. I don’t have the right to make excuses; I was ENTIRELY at fault, BUT…

1. The roads were slippery. It was snowing on April 1st!!
2. The roads on which I drove were untouched by plows.
3. Another student totaled her car on the same road that morning. Misery loves company.
4. I was going around a curve
5. I was going very slowly (Less than 20 mph). The airbags didn’t go off, and there was barely an impact.

…but I know that I should have been traveling even slower.

As I rounded the curve, the Honda began to slip off the road. Threshold braking did not help at all. Under different circumstances, I would have described the “crunch” sound as very satisfying. At the moment, it sounded like the lid of my own coffin closing. I tried shifting into reverse and backing out, but the Honda had grown attached to the tree and was holding it in a twisted metal embrace. So I called home. Uh oh.

My mom actually thought it was an April fool’s joke. I had to repeat myself several times before she understood that I wasn’t pulling her leg.

 I totaled the car; even though it wasn’t that bad of a crash, the undercarriage was bent.

What I find weird is that it wasn’t a stereotypical ‘bad morning’. I’d been accepted by Stanford, my dream school, the day before and that morning I was still running on a feeling of elation.  I was in no rush, and was looking forward to the day. Needless to say, the collision brought me crashing –no pun intended- back down to Earth. In the grand scheme of things, a totaled car is a small price to pay for my sister’s life and my own, but still frustrating nevertheless. The very sobering reality is that now I have no personal freedom to travel where I please. Doing things I took for granted with a car now has to be coordinated in advance.  

An interesting article by Insurance journal (which is worth having your teen read, by the way) states the a new study showed that the vast majority of teen crashes are caused by failing to scan for possible hazards, speeding, or becoming distracted. While I would argue that my personal case falls under the category of “poor weather or road conditions”, which they cite as rare, I know from the vast majority of accidents and fender-benders my peers are involved in that these three causes are legitimate. Another student I know totalled his car earlier in the year going to fast and driving into a rock wall. Another student did the exact same thing last month. Another student I know hit a tree while texting in the car. I’m sure as a reader you can think of countless similar anecdotal evidence to support the article’s conclusions.

The moral of the story to me is that accidents can happen WHENEVER you let your guard down.  Be safe, be vigilant, and as I’ve learned, BE SLOW!

The tree could not be reached for comment.