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[保险] 关于麻州车险,求peer reveiw

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NiGuessYiXia 发表于 2015-3-11 07:53:56 | 显示全部楼层 |阅读模式

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如果你要在麻州买保险,请咨询你的保险公司,一切以保险公司答复为准!

写这个帖子的原因是在另外一个帖子下面跟另外一个筒子的争论:国内的驾龄能不能在麻省用。我做了点research,请大家帮忙看看是不是有什么理解错误的或者没考虑到的。

以下都是基于麻州车险手册https://www.commauto.com/manuals/market/2011/manual.aspx

Driving Experience
An operator new to Massachusetts must provide evidence of licensure from the state or country where the
operator was previously licensed in order to assign the correct operator classification under this rule.
If
electronically available, the company will be responsible for obtaining the motor vehicle operator report from
the other state or country. If necessary, a certified English translation may be required. No operator shall be
assigned to Class 10 unless the operator has six or more years of driving experience.
The classification assigned to the operator is based on the number of years licensed in the other state or. 鐗涗汉浜戦泦,涓浜╀笁鍒嗗湴
country and the completion of driver training, as established by the evidence of licensure. If no evidence of
prior licensure is available, the operator may be assigned to Class 20 (inexperienced principal operator,.1point3acres缃
licensed less than three years, no driver training) or Class 21 (inexperienced occasional operator, licensed
less than three years, no driver training). The Massachusetts driving experience will be used thereafter to 鏉ユ簮涓浜.涓夊垎鍦拌鍧.
assign the operator classification.. 鍥磋鎴戜滑@1point 3 acres
以上红字说明,算驾龄的时候,只要有证明,外州或者外国的驾龄也可以算上。



 楼主| NiGuessYiXia 发表于 2015-3-11 07:57:50 | 显示全部楼层
关注一亩三分地公众号:
Warald_一亩三分地
本帖最后由 NiGuessYiXia 于 2015-3-11 07:59 编辑

A. Operator Classes. Waral 鍗氬鏈夋洿澶氭枃绔,
10 Experienced Operator. The operator has been licensed at least six years and is under the age of 65 and
the automobile is not used in the occupation, profession or business of the insured.
15 Experienced Operator - age sixty-five or more. The operator has been licensed at least six years and is
sixty-five years of age or more and the automobile is not used in the occupation, profession or business of
the insured.
17 Inexperienced Principal Operator - licensed three or more years. The operator of the automobile has.鐣欏璁哄潧-涓浜-涓夊垎鍦
been licensed at least three years and less than six years and is the principal operator of the automobile.
18 Inexperienced Occasional Operator - licensed three or more years. The operator has been licensed at. from: 1point3acres.com/bbs
least three years and less than six years and is not the principal operator of the automobile.. 1point3acres.com/bbs
鏉ユ簮涓浜.涓夊垎鍦拌鍧.
20 Inexperienced Principal Operator - licensed less than three years. No driver training. The operator.1point3acres缃
has been licensed less than three years, is the principal operator of the automobile, and has not completed a
Satisfactory Driver Training Program.

21 Inexperienced Occasional Operator - licensed less than three years. No driver training. The operator
has been licensed less than three years, is not the principal operator of the automobile, and has not
completed a Satisfactory Driver Training Program.
25 Inexperienced Principal Operator - licensed less than three years. Driver training. The operator has
been licensed less than three years, is the principal operator of the automobile, and has completed a
Satisfactory Driver Training Program.
26 Inexperienced Occasional Operator - licensed less than three years. Driver training. The operator
has been licensed less than three years, has completed a Satisfactory Driver Training Program, and is not
the principal operator of the automobile.
30 Business Use. The operator has been licensed at least six years and the automobile is used in the
occupation, profession, or business of the insured. Going to or from the principal place of the occupation,
profession or business of the insured is not considered business use.

对于中国留学生来说,基本就是三个class,驾龄长的就是class 10,驾龄短的就是class 20,中间的就是class 17.
鏉ユ簮涓浜.涓夊垎鍦拌鍧.
每个class的保费可以从这个表查出来:https://www.commauto.com/manuals/market/2011/manual/RatePages.pdf. 1point3acres.com/bbs

.1point3acres缃
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 楼主| NiGuessYiXia 发表于 2015-3-11 08:07:44 | 显示全部楼层
关注一亩三分地微博:
Warald
本帖最后由 NiGuessYiXia 于 2015-3-11 08:10 编辑

http://www.massrmv.com/MeritRati ... nsurancePolicy.aspx

有了事故或者吃了罚单都有可能收到点数,点数越高,保费越高。
对于Experienced 的人来说,每一点保费涨15%。
对于Inexperienced 的人来说,每一点保费涨7.5%。. Waral 鍗氬鏈夋洿澶氭枃绔,

根据点数和驾龄,麻州还有以下三个分类:
  • Excellent Driver Discount Plus (Credit code 99*): 6-year credit. To qualify for this discount, you must:
    • Have 6 years of driving experience.
    • Have no surcharges in the past 6 years.. 鍥磋鎴戜滑@1point 3 acres
            
  • Excellent Driver Discount (Credit code 98*): 5-year credit. To qualify for this discount, you must:
    • Not be eligible for the Excellent Driver Discount Plus.
    • Have at least 5 years of driving experience.
    • Have no surcharges in the past 5 years.
      . from: 1point3acres.com/bbs
            
  • Excellent Driver Discount (Credit code 98*): 5-year credit with 1 incident. To qualify for this discount, you must:
    • Have at least 5 years of driving experience.
    • Have had only 1 incident (surchargeable) for a non-criminal minor traffic violation in the past 6 years that is at least 3 years old (please see “Surcharge Point Forgiveness” below).

其中,code 99有15%的优惠,code 98 有7.5%的优惠。

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