News & Updates

Changes to Motorcycle Policies in 2005

Rule 44.  Motorcycles, Motorscooters, Mopeds and Similar Motor in the Private Passenger manual has changed dramatically.  Motorcycles will now be rated as experienced or inexperienced based upon the date of licensing for the motorcycle.  The inexperienced classification (a 50% surcharge) will be applied to Coverage Parts 1, 2, 4, 5, 7 and 8.  All other coverages will be based upon the applicable Cubic Centimeter Engine Displacement group.

The following additions to the rule explain the rating process:

Experienced or inexperienced operator classifications apply to coverage parts 1, 2, 4, 5, 7 and 8.  The experienced operator classification is applied when all operators of the motorcycle have been licensed to operate a motorcycle for at least six years.  The inexperienced operator class is applied when any operator of the motorcycle has been licensed to operate a motorcycle for less than six years, or holds a motorcycle permit.  When an inexperienced operator classification is applied to a motorcycle, the rates for parts 1, 2, 4, 5, 7 and 8 must be multiplied by a factor of 1.50.  The Safe Driver Insurance Plan step assigned to an operator on a private passenger automobile insurance policy, if available, shall be applied to the motorcycle policy in accordance with Safe Driver Insurance Plan administrative procedures.  If there is more than one motorcycle on a policy, any inexperienced operators shall be assigned to the motorcycle with the highest sum of premium for Parts 1, 2, 4, 5, 7, 8 and 9 before application of any available credit, surcharge, or discount.  Any motorcycles remaining after assignment of all inexperienced operators shall be assigned an experienced operator classification.  If an inexperienced operator is the only listed operator on the policy, all motorcycles shall be assigned an inexperienced operator classification.

(from an RMV update by Donna McKenna, MAIA)

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• 43% of first year drivers have automobile collisions
• 37% of second year drivers have automobile collisions
• There are approximately 47,000 teen crashes per year in Massachusetts
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