Thread: How Does Massachusetts Insurance and Points Work?

1. How Does Massachusetts Insurance and Points Work?

I'm trying to figure out exactly how the point system works. I just called my provider, Met Life, and they told me that a speeding ticket incurs 2 points. Each point adds 15% to the base rate of 4 things (I forget which numbers she said). If you have a clean record for 3 years, 1 point is dropped, the 2nd point is dropped after 6 years of a clean record. I think that is the way she explained it, does that sound right?

So hypothetically, you get a speeding ticket (and lose in court)...
-base rate of \$1000
-2 points increase that to \$1300 (30\$ higher)
-pay 1300 for first 3 years
-1 point drops, pay 1150 for next 3 years
-the other point drops and by year 7 you are back to \$1000

So in that 6 year period you pay a total of \$7350 compared to \$6000 if you had never gotten that ticket. Correct?

I forgot to ask, but what happens if you do not keep a clean record for 3 or 6 years? Does the point stay and need a full clean 3 years before dropping?

So say you get a ticket 2 years in a row:
year 1: 2 points [ticket]
year 2: 4 points [ticket]
year 3: 4 points [clean]
year 4: 4 points [clean]
year 5: 4 points [clean]
year 6: 3 points [clean] point dropped because of 3 previous clean years
year 7: 3 points [clean]
year 8: 3 points [clean]
year 9: 2 points [clean] point dropped because 3 more clean years
year 10: 2
year 11: 2
year 12: 1
year 13: 1
year 14: 1
year 15: 0

Does it really take 15 years to erase all the points from 2 tickets in 2 years or I am doing something wrong? And cost \$5400 more than the equivalent clean driving record [assuming a base rate of \$1000]?

2. http://www.mass.gov/?pageID=ocatermi...SDIP&csid=Eoca

looks like it has changed a little since I last lived in MA. I remember the whole STEP system.

3. Originally Posted by DougiesGoinDeep
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So say you get a ticket 2 years in a row:
year 1: 2 points [ticket]
year 2: 4 points [ticket]
year 3: 4 points [clean]
year 4: 4 points [clean]
year 5: 4 points [clean]
year 6: 3 points [clean] point dropped because of 3 previous clean years
year 7: 3 points [clean]
year 8: 3 points [clean]
year 9: 2 points [clean] point dropped because 3 more clean years
year 10: 2
year 11: 2
year 12: 1
year 13: 1
year 14: 1
year 15: 0
I would think that it would work like this:

year 1: 2 points [ticket]
year 2: 4 points [ticket]
year 3: 4 points [clean]
year 4: 4 points [clean]
year 5: 4 points [clean]
year 6: 2 points [clean] 2 points dropped because of 3 previous clean years (one point from each ticket)
year 7: 2 points [clean]
year 8: 0 points [clean] 2 points dropped because 6 clean years since last ticket (one point from each ticket)

Still quite a racket they have going. I think in NH the points for a speeding ticket drop off after 3 years. But with more than one ticket, it may take up to 7 years like the above shows.

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