Self insurance change
If it is not broke, it can not correct. That is the slogan for many, when it comes to Massachusetts’ auto insurance premium rating system.”I think the current system is for the benefit of consumers, the rates were coming down in recent years,” said Jim Hennigan III, James W. Hennigan Insurance Agency. “This year, an estimated 11 Filing percent [according to the insurance commissioner], but because it is through the city, the national average of 11 per cent, but a city, 8 percent. ”
In December, Julian Bowa, the Commissioner of Insurance of the State, announced that car insurance premiums down 12.7 percent for the state. This is the fourth consecutive year that prices have fallen.
With the current system, insurance premiums Commissioner for fixed rate, there are many proposals ahead, as a drive-thru at the State House. Such a project is the “risk map” for insurers refuse pilot - even those with perfect driving record - nondriving on the basis of factors such as credit scores, income, education and ownership of housing.
The Massachusetts Public Interest Research Group estimated that more than 1 million motorists, many discs own conduct, can be rejected on the risk involved. MassPIRG feels associated with a risk of not improve in terms of higher premiums, fraud and that the accident rate.
Other plans for the proposed establishment of a competitive rating system for insurance companies, in which everyone could rates set by insurers for drivers. But Hennigan not like this idea.
“In the years 1970, we tried a rating system competitive. Then rate has increased for the population in cities. Alte drivers, young drivers, because rates flew [the city] risks. [Insurers] ne wanted to write [for young and old pilots]. I think many people would be affected if we were going to an economy rating system, particularly in the city. My clients are in the city, “he said.
Steven Salhaney, owner of Insurance Agency Salhaney West Roxbury, suggested after classes for new drivers, since the new and young drivers have more accidents.
Salhaney said there is a new pilot program of Weymouth, there is a half-day intense four-hour class in defensive driving, which is different from basic pilot training class.
“In some drivers-ed classes, you go to the bank or go to the store [with the instructor] instead of learning, as on the drive on the 128 or Jamaicaway What do you do in the case of a landslide How can we take? Education is a much better way to reduce the rate of duty or sanctions or legislators. Teach people how to better lead, “he said.
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