Drivers_Manual

Recommendations

Info

• Turn in the plates and cancel the reg is tra tion or • Transfer the plates to an oth er vehicle you own according to the seven-day registration transfer law (see the Seven-Day Registration Transfer Law section earlier in this chapter) Take extra care when completing the transfer form on the back of the Title Certificate. Be sure to list the purchase price and odometer reading. To check the current status of your title, visit www.massrmv.com and select Title/Lien Inquiry. Insurance and Merit Rating As part of the registration process, Massachusetts requires every vehicle on the road to be covered at least by min i mum levels of motor vehicle insurance. Compulsory insurance coverage: • Bodily injury to others—Minimum $20,000 per person, $40,000 per accident (Part One) • Personal injury protection—Pays up to $8,000 to you, passengers, pedestrians or anyone you allow to drive your vehicle (Part Two) • Bodily injury caused by an uninsured auto—Min i mum $20,000 per person, $40,000 per accident (Part Three) • Damage to someone else’s property—Min i mum $5,000 for prop er ty damage (Part Four) Private Passenger Automobile Insurance and Your Driving Record Your driving record will always be an important factor in determining how much you will pay for auto insurance. In Massachusetts, auto insurers may offer different rates for different insurance packages. Insurers may use the point-based system of the Safe Driver Insurance Plan (SDIP) or develop their own merit rating plan to determine discounts for safe drivers and surcharges for drivers with at-fault accidents and traffic violations. While rates may vary by insurance company, all rates must be approved by the Commissioner of Insurance. For more information, the Massachusetts Division of Insurance has consumer guides to help you in making decisions about your automobile insurance coverage. Please visit their website at www.mass.gov/doi or call the Division of Insurance Consumer Hotline at 617- 521-7777. Merit Rating Plans Your insurance company can choose to develop its own method, or merit rating plan, for adjusting your auto insurance premium based on your driving record. This means that the insurer can determine if and how it will impose surcharges on your premium for traffic 143
violations and at-fault accidents and apply discounts for good driving. Massachusetts law states that an insurance company’s merit rating plan cannot: • Use any at-fault accident or traffic violation that is greater than six years old from the policy effective date, or • Increase premiums for at-fault accidents or traffic violations for more than five years Safe Driver Insurance Plan Insurance companies are not required to develop a merit rating plan. They can choose instead to adopt the existing Safe Driver Insurance Plan as their merit rating plan. The Safe Driver Insurance Plan lowers premiums for drivers with clean driving records, and increases premiums for drivers with traffic violations and at-fault accidents. To learn more about the surcharges and credits that apply in the Safe Driver Insurance Plan, visit the Merit Rating Board website at www.massrmv.com/mrb or call 857-368-8100 Monday through Friday from 8:30 a.m. to 5:00 p.m. The Merit Rating Board Whether they customize a merit rating plan or use the Safe Driver Insurance Plan, all Massachusetts auto insurance companies are required to report at-fault accidents and outof-state driving records to the Merit Rating Board (MRB). The MRB maintains and updates driving history records for individual operators and reports this information to insurers. The MRB driving record consists of surchargeable incidents. A surchargeable incident is any event in which you are: • Convicted of, or pay a fine for, a motor vehicle violation • Assigned to an alcohol education program or controlled substance treatment or rehabilitation program • Found to be more than 50 percent at fault for an accident, and your insurance company makes a claim payment of more than $500 In addition to potentially affecting your private passenger automobile insurance, each surchargeable incident counts toward possible license suspension (see Chapter Two for more information on suspensions). You are considered to be more than 50 percent at fault in an accident if your insurance company: 1. Finds you at fault according to one of the 19 Standards of Fault (see a complete list on next page), and 2. Has paid a claim of more than $500 for Collision, Limited Collision, Damage to Someone Else’s Property, or Bodily Injury to Others. Driving safely and maintaining a clean driving record will almost certainly reduce your automobile insurance premium. The Safe Driver Insurance Plan and most insurance company merit rating plans provide good driver discounts to people with clean driving records. 144
Page 1 and 2:
Commonwealth of Massachusetts $5.00
Page 3 and 4:
Commonwealth of Massachusetts Shari
Page 5 and 6:
Civil Motor Vehicle Infractions . .
Page 7 and 8:
Motorcycles, Motorized Bicycles (Mo
Page 9 and 10:
Warning of Unofficial Websites Mimi
Page 11 and 12:
License Descriptions and Classifica
Page 13 and 14:
effect disguises the person's true
Page 15 and 16:
- A Class A license can have all en
Page 17 and 18:
Massachusetts IDs and Liquor IDs Fo
Page 19 and 20:
Document Requirements Chart Applyin
Page 21 and 22:
Identification requirements are sub
Page 23 and 24:
18 - 21 year old applicants 30. Not
Page 25 and 26:
Official U.S. Immigration Documents
Page 27 and 28:
• Any document presented is not g
Page 29 and 30:
• Any person who swears or affirm
Page 31 and 32:
General Rule: The passenger restric
Page 33 and 34:
A learner's permit is a document th
Page 35 and 36:
• You must wear eyeglasses, goggl
Page 37 and 38:
Road Test Examiners may also cancel
Page 39 and 40:
If you are prevented from taking th
Page 41 and 42:
• Your motorcycle’s registratio
Page 43 and 44:
Whenever you operate a motor vehicl
Page 45 and 46:
if you completed a driver skills de
Page 47 and 48:
Other Foreign Licenses If you hold
Page 49 and 50:
active service. However, you may wi
Page 51 and 52:
your ID Card on or after your 21st
Page 53 and 54:
Every day, 17 people in the United
Page 55 and 56:
The RMV must sometimes suspend or r
Page 57 and 58:
Out-of-State Violations Massachuset
Page 59 and 60:
Mandatory License Suspensions (18 Y
Page 61 and 62:
Violation Suspension Period Reinsta
Page 63 and 64:
For more information on, or to regi
Page 65 and 66:
Penalties for Operating a Motor Veh
Page 67 and 68:
are operating under the influence o
Page 69 and 70:
Buying, Possessing, or Transporting
Page 71 and 72:
The RMV will refuse to renew your l
Page 73 and 74:
Passenger Vehicle Safety Passenger
Page 75 and 76:
How Safety Belts Work Safety belts
Page 77 and 78:
driver. A driver cannot be distract
Page 79 and 80:
On bright, sunny days, you should a
Page 81 and 82:
Follow these useful braking tips:
Page 83 and 84:
The Highway Division has a 511 phon
Page 85 and 86:
• Following Behind - Leave extra
Page 87 and 88:
You must have a valid driver’s li
Page 89 and 90:
Speed Limits Driving too fast (spee
Page 91 and 92:
Steady Yellow A steady yellow light
Page 93 and 94:
Regulatory YIELD Yield No right tur
Page 95 and 96:
Stop and Yield Signs A STOP sign al
Page 97 and 98:
this line (except the shoulder), bu
Page 99 and 100:
Crossing Guards In recent years, se
Page 101 and 102: Entering and Exiting the Highway
Page 103 and 104: Right turn Left turn from a two-way
Page 105 and 106: guide dog. The White Cane Law state
Page 107 and 108: If a roundabout has more than one l
Page 109 and 110: Be a safe driver, be courteous, and
Page 111 and 112: Slow-Moving Vehicles Most farm vehi
Page 113 and 114: than 12 inches from the curb. The o
Page 115 and 116: Laws for Bicyclists and Motorists i
Page 117 and 118: About 75% of bicycle-related deaths
Page 119 and 120: Moving Emergency Vehicle • Always
Page 121 and 122: your license and registration when
Page 123 and 124: • Try the headlight switch a few
Page 125 and 126: • Exit at the nearest tunnel entr
Page 127 and 128: Where to send completed reports: 1.
Page 129 and 130: Vehicle Registration Although there
Page 131 and 132: (book) value, whichever is higher.
Page 133 and 134: go to www.massrmv.com. If you have
Page 135 and 136: Registrations section earlier in th
Page 137 and 138: decal that must be affixed on the r
Page 139 and 140: The special plate fee of $50 every
Page 141 and 142: • Check the Pressure - In 2005, 1
Page 143 and 144: • Have lost, or permanently lost
Page 145 and 146: Trailers Trailers that have a gross
Page 147 and 148: • Manufactured (mobile) home as d
Page 149 and 150: Unless you are a licensed dealer, y
Page 151: have been corrected. Note that the
Page 155 and 156: 146
Page 157 and 158: Malawi Malaysia Mali Malta Mauritiu
Page 159 and 160: B. RMV Customer Services In additio
Page 161 and 162: C. RMV Full Service and Limited Ser
Page 163 and 164: D. RMV License and Identification c
Page 165 and 166: F. RMV Special Registration Plates
show all

Drivers_Manual

Create successful ePaper yourself

Delete template?

Save as template?