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Memorandum of Changes

Section I - General Rules
Rules Rule No.
Certified Risks - Financial Responsibility Laws 10
Changes 8
Coverages and Limits 2
Deposit Premium Rule 14
Deductibles - Parts 7, 8 & 9 16
Discounts 19
Employers Subject to Massachusetts Workers Compensation Act 15
Extra-Risk Rating (Collision and Comprehensive) 24
High-Theft Vehicles 23
Installment Payment of Premiums 13
Insurance Certificates 9
Mass. Auto Insurance Policy - Eligibility 1
Mandatory Offer of Coverage 3
Model Year Rating 20
Non-Symbolled Vehicles and Rating Vehicles For Which Symbols Are Not Shown on the Rate Pages 22
Out-of-State Garaging 6
Policy Period 7
Premium Calculation Rule 11
Reserved for Future Use 26
Residence and Location 5
Fire, Theft and Combined Additional Coverage 21
Standard Procedures 4
Substitute Transportation 17
Termination of Insurance 18
Vehicle Series Rating 25
Whole Dollar Premium Rule

12
Section II - Private Passenger Automobiles
Reserved for Future Use 29
Personal Injury Protection - Deductible Form 30
Private Passenger Classifications 28
Private Passenger Definition 27
Pick-Ups, Vans, and Similar Type Vehicles 32
Reserved for Future Use 35-38
Towing and Labor Cost 33
Trailers Designed for Use With Private Passenger Motor Vehicles 34
Transportation of Fellow Employees 31
Section III - Miscellaneous Motor Vehicles and Coverages
Agreed Amount Coverage - Comprehensive 45
Antique Motor Cars and Antique Motorcycles 40
Customized Vans and Pickups 47
Golfmobiles and Lawnmowers (Motorized) 42
Motor Homes/Camper Bodies 39
Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles 44
Original Equipment manufacturer Parts Coverage 48
Snowmobiles 43
Excess Electronic Equipment Coverage

46
Stated Amount Coverage

41
Section IV - Non-Owned Automobiles
Named Non-Owner Policy

49
Reserved for Future Use

51-53

Use of Other Automobiles

50
Section V - Supplemental Information
Anti-Theft Device Standards and Discounts 54
Pre-Insurance Inspection Program 55
Registry of Motor Vehicles Procedures 58
Surety Bond Rules and Rates 57
The Safe Driver Insurance Plan (SDIP) 56
Increased Limits Tables and  Implicit Surcharge Exclusion Factors
Additional Items

Private Passenger Endorsement Index

Personal Auto Forms Index
Rating Territories Section

Territory Definitions

Rating Territories
Rate Section
Memorandum
Private Passenger Rates
Stated Amount Rates
Motorcycle Rates
Approved Motorcycle Training Sites
Miscellaneous Rating Factors
Miscellaneous Motor Vehicles
Approved Public Transit Systems
ISO Symbols Authentication Page
High Theft Vehicle Section