Notes

Massachusetts Insurance
Massachusetts insurance law restricts how insurers can treat Massachusetts drivers. Insurers must offer equal coverage to all drivers, regardless of auto insurance status or driving history. Insurers are required to investigate and obtain proof that drivers are meeting the requirements for coverage. Otherwise they cannot legally sell policies in Massachusetts. To do this, insurance companies must verify the information provided by the applicant.

Many insurance companies use a driver's credit score as the main determining factor when determining premiums. Insurance companies look at several factors including the age of the driver, location, driving record, and whether the car is financed through a bank or other lender. The insurance department requires that each insurance company to disclose all relevant information to the public, including their rates and underwriting guidelines. When the Department of Insurance releases consumer rates, they also require companies to publish these rates in an informative brochure.

The Insurance Department does not collect personal information on individuals. The only data they keep regarding insurance applicants is what they have provided on their applications. This information is retained by the companies for three years. At that point, the insurance company has to share this information with the public if they request it. If an applicant requests more information after that time period, the insurance companies have to abide by the request.

The Massachusetts Department of Insurance is also responsible for maintaining the Statewide Traffic Safety Information System (STIS). Within the STIS system is the Automobile Insurance Information Center (AIMS). The Automobile Insurance Information Center (AIMS) accepts requests from the public for information such as insurance rates comparison. The Massachusetts Department of Insurance makes these data available on their website.

Several insurance companies operate online to give consumers access to information about insurance policies. By visiting their websites, consumers can learn about different types of insurance coverage, such as auto, medical, commercial, and homeowners insurance. The Massachusetts Department of Insurance has established a uniform Commercial Insurance Premium Rates (CIPR) to be used by all insurance companies.

To facilitate comparisons between various insurance companies, the state provides multiple quote web sites. Through these web sites, customers are able to request quotes from several different companies, and select the one that best fits their needs and budget. At a single site, customers can obtain quotes from over a dozen insurance providers.

On the website, visitors are able to fill out an application and answer some questions about their personal information. They will also be required to provide their vehicle information, driving history, and any pertinent insurance information. After submitting their information, the insurance company should reach out to them within a few days. Within a matter of days, the company should have all of the information that they require in order to determine a quote.

The Massachusetts Department of Insurance website allows users to go directly to a company's Web site instead of having to search for one through the phone book. In addition to providing Web site access, the Insurance department offers consumer education resources. On the Web site, customers can learn about the benefits of insurance coverage and how to choose the right kind of coverage for them. They can learn about the kinds of vehicles that are covered by certain kinds of insurance and how deductibles and premiums differ among companies. They can also find information about various kinds of insurance, such as homeowner's or renter's insurance, and find insurance companies in Massachusetts by using the search criteria on the insurance company's home page.

The Insurance department enforces insurance laws in Massachusetts, which means that they publish important notices on their Web site and distribute brochures to consumers. For example, a recent advertisement included a photo of the fire damage in a condominium unit in West Springfield. According to the advertisement, the Insurance department was alerted by the resident, who was able to snap a picture of the damage so that the insurance company could reproduce it on the brochure.

T here are many different types of insurance available in Massachusetts. A person interested in purchasing an insurance policy should contact a licensed agent from a reputable company. Most insurance companies offer a free insurance quote service on the Internet. By filling out a short online form, a consumer can get several quotes from different insurance companies. This allows a person to compare insurance policies, to make sure that he/she is selecting the right coverage for his/her particular situation, and to learn more about the various kinds of insurance available in Massachusetts.

In some cases, an insurance company will require that an individual take a traffic school class. This is usually an indicator of higher insurance premiums because drivers who have a history of reckless driving, speeding tickets, or accidents that involve alcohol may be viewed as a bigger risk by insurance companies. However, most insurance companies will allow a person with one or two minor traffic violations to get premium reductions if he/she demonstrates a continued drive safety record.
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