MRB at Fault Reporting

Do you write Private Passenger Motor Vehicle Policies in the state of Massachusetts? Then you are required to report At-Fault accidents of various thresholds within 20 days of a claim payment being made. Errors are to be corrected and resubmitted on a priority basis as this information is used by carriers requesting such information to evaluate prospective insureds. Insurers failing to submit and/or failing to correct and resubmit may be subject to penalty. 211 CMR from the Division of Insurance contains all of the applicable 134.00 Sections for reporting At-Fault accidents.

IDP can assist and support the gathering, mapping, data transformation and reporting of your Massachusetts At-Fault Accidents as well as the resubmissions of corrected data to the Merit Rating Board as required. Our decades of experience in reporting to all of the major statistical agents – MassCAR, ISO, NISS, ISS, MSO, SFAA, TICO, AAIS, AIPSO, and URB position us handle your reporting requirements in an efficient and cost effective manner.

211 CMR 134.00 SAFE DRIVER INSURANCE AND MERIT RATING PLANS

Merit Rating Board (MRB) Reporting of At-Fault Accidents

Purpose, Scope and Responsibility as defined in section in 211 CMR Section 134.01

(1) Purpose and Scope. All insurers issuing Private Passenger Motor Vehicle Insurance Policies shall comply with 211 CMR 134.00. The purpose of 211 CMR is to define the surcharges and credits that apply to the Safe Driver Insurance Plan required during Fixed-and-established Markets, and to provide for the continuous, timely, accurate and uniform collection and exchange of Private Passenger Motor Vehicle insurance claim and traffic law violation during Fixed-and-established and Competitive Markets to facilitate the operation of the SDIP or Insurer Merit Rating Plans.

(2) Responsibility if the Merit Rating Board. The Merit Rating Board shall collect and report Private Passenger Motor Vehicle insurance claim and traffic law violation data and respond to insurance company requests for such information.

At-Fault Accident definition as used in 211 CMR Section 134.02 – An accident involving a vehicle subject to 211 CRM 134.00 wherein the Involved Operator was more than 50% at fault, as determined by the application of the Standards of Fault of the Board of Appeal, and that:

(a) For accidents occurring before July 1, 2015, results in a claim payment made by and an Insurer, exclusive of any deductible, exceeding $500.
(b) For accidents occurring on or after July 1, 2015, results in a claim payment made by an Insurer, exclusive of any deductible, exceeding $1,000.

For a complete copy of 211 CMR 134.00 and all Sections, please click on the download button below