推荐:数据科学课程和书籍清单以及培训讲座


一亩三分地论坛

 找回密码
 获取更多干活,快来注册

一亩三分地官方iOS手机应用下载
查看: 1922|回复: 2
收起左侧

[保险] 关于麻州车险,求peer reveiw

[复制链接] |试试Instant~ |关注本帖
NiGuessYiXia 发表于 2015-3-11 07:53:56 | 显示全部楼层 |阅读模式

注册一亩三分地论坛,查看更多干货!

您需要 登录 才可以下载或查看,没有帐号?获取更多干活,快来注册

x
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!
. visit 1point3acres.com for more.
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。
. 1point 3acres 璁哄潧
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..鐣欏璁哄潧-涓浜-涓夊垎鍦
The classification assigned to the operator is based on the number of years licensed in the other state or. 鐣欏鐢宠璁哄潧-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,
licensed less than three years, no driver training) or Class 21 (inexperienced occasional operator, licensed. 鍥磋鎴戜滑@1point 3 acres
less than three years, no driver training). The Massachusetts driving experience will be used thereafter to
assign the operator classification.
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。


鏉ユ簮涓浜.涓夊垎鍦拌鍧.
 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
. visit 1point3acres.com for more.
A. Operator Classes. From 1point 3acres bbs
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. visit 1point3acres.com for more.
sixty-five years of age or more and the automobile is not used in the occupation, profession or business of
the insured..1point3acres缃
17 Inexperienced Principal Operator - licensed three or more years. The operator of the automobile has
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
least three years and less than six years and is not the principal operator of the automobile.. 鐣欏鐢宠璁哄潧-涓浜╀笁鍒嗗湴

20 Inexperienced Principal Operator - licensed less than three years. No driver training. The operator. 1point 3acres 璁哄潧
has been licensed less than three years, is the principal operator of the automobile, and has not completed a
Satisfactory Driver Training Program.
.1point3acres缃
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. From 1point 3acres bbs
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.鏈枃鍘熷垱鑷1point3acres璁哄潧
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.

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


回复 支持 反对

使用道具 举报

 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
鏉ユ簮涓浜.涓夊垎鍦拌鍧.
http://www.massrmv.com/MeritRati ... nsurancePolicy.aspx
. 鍥磋鎴戜滑@1point 3 acres
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%。. 鐣欏鐢宠璁哄潧-涓浜╀笁鍒嗗湴

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.
            
  • 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.
            
  • 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。

回复 支持 反对

使用道具 举报

本版积分规则

关闭

一亩三分地推荐上一条 /5 下一条

手机版|小黑屋|一亩三分地论坛声明

custom counter

GMT+8, 2017-7-25 23:09

Powered by Discuz! X3

© 2001-2013 Comsenz Inc. Design By HUXTeam

快速回复 返回顶部 返回列表