SERVICES

On-Site Training
Professional Training Programs brought to your ...

Heartland Payroll Solutions
MAIA's endorsed provider for payroll services...

Company Rate Filings for Auto
MAIA's Review of Company Rate Filings for Auto

INFO-ONLINE
Informative documents...plus much more!

Caliper
Personality Assessment Testing

Agency Products
Marketing tools for your agency

Question of the Day
Question of the Day

Video CE Classroom
Check out our programs...

Video Training Tools (Non CE)
Need to train staff but don't have the time? ...

DocuSign...esignature solution
IIABA endorsed product

 

Company Rate Filing Information

Commerce Filings

As of August 2017

The following are the filings made by Commerce.

Filing Identification No. Materials Included Effective Date
CMRC130956150

Rule:

  • Summary of Digital Channel Installment Plan for Massachusetts Private Passenger Auto polices 8/1/17
08/01/17 New/Renew

CMRC130833229

+3.8%

Form/Rate/Rule
Form:

  • Limited Transportation Network Company Driver Coverage – Massachusetts – PA400MA 05/17
  • Coverage Selections Page – (05/17)
  • Annual Mileage Form – CIC 750 (05/17)
  • Vehicle Sharing and Public or Livery Conveyance Exclusion – CI(C-2212 (05/17)
  • Manual of Rules

Markup of Changes

Rule:

  • Rule 11 Premium Calculation to account for TNC Driver Coverage and Annual Mileage.
  • Rule 12 – Premium Rounding Rule.
  • Rule 19 – An editorial change has been made to add DriveAdvisor to the Discount Rule and remove from Rule 37, Company Endorsements. Also, an editorial change was made to the Annual Mileage Discount.
  • Rule 26 Company Rating Rules have been updated to include the following:

•B. Risk Factors have been updated.

•C. Driver-Vehicle Factors have been updated.

•E. Household Level factors have been updated.

•G. Annual Mileage Factors (newly added)

  • Rule 28 – Private Passenger Classifications has been updated to identify which classes we update midterm, when eligible.
  • Rule 37 – Company Endorsements have been updated to introduce Limited Transportation Network Company Driver Coverage.
  • Rule 37 – An editorial change was made to the Accident Forgiveness Endorsement description.
  • Rule 40 – An editorial change was addressed due to a typo.
  • Rule 44 – Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles have been updated to include language for Electric Motorcycles. The accompanying rate pages have also been updated.

Rate:

  • Base rates have been updated, including: Compulsory BI, Personal Injury, Property Damage, Optional BI, Medical Payments, Collision, Limited Collision, Comprehensive and Substitute Transportation.
  • Certain Increased Limit factors for Optional Bodily Injury and Uninsured Motorists have been adjusted.
  • 2019 and 2020 Model Year Symbol factors have been added to both the VSR and VRG symbol programs.
  • The Miscellaneous Rating Factor section has been updated to display revised Annual Mileage discounts/factors and Substitute Transportation rates.
05/01/17  New/Renew
CMRC130851085
CMRC130865675
CMRC130882310
CMRC130943820
CMRC131039787
CMRC131069634
CMRC131092343
Groups 01/17
02/17
04/17
04/17
06/17
07/1707/17

CMRC130646922

+1.6%

Form/Rate/Rule
Form:

  • Supplemental Application for MA MV Ins. w/MAIP – CIC-2115 MAIP (12/16)
  • Supplemental Application for MA MV Ins. – CIC-2115 (12/16)
  • Manual of Rules

Rate:

  • Base Rate Pages
  • Misc. Rating Factors

Rule:

  • Rule 19. Discounts and Credits:
    B. Account Discount – Added Yacht
  • 21 A. Model Year Rating
  • 21B Vehicle Rating Group (VRG) Program

Markup of Changes

12/01/16 New/Renew

CMRC130370597

+3%

Form/Rate/Rule
Form:

  • Disappearing Deductible Credits – CIC-2197 (05/16)
  • Vehicle Sharing and Public or Livery Conveyance Exclusion – CIC-2212 (05/16)
  • Advisory Notice To Policyholder Vehicle Sharing and Public or Livery Conveyance – PA800MA (05/16)

Rule:

  • Rule 11. Premium Calculation Rule
  • Rule 12. Premium Rounding Rule
  • Rule 41. Stated Amount Coverage
  • Rule 56. Merit Rating Plan

Rate:

  • Base Rate Pages
  • Motorcycle Rating Rule & Territory Definitions
  • Miscellaneous Rating Factors

Markup of Changes

05/01/16 New/Renew
CMRC130408102
CMRC130421705
CMRC130492583
CMRC130537786
CMRC130576640
CMRC130644880 
CMRC130749873
CMRC130776651
CMRC130792353
Groups 03/16
04/16 
05/16
05/16
06/16 
09/16 
11/16
11/16
12/16
CMRC130276977

Rule:

  • Broker Installment Plan for MA Auto – CMRC-130276977
01/01/16 New/Renew
CMRC130116481

Form/Rate/Rule

Forms w/markup of changes:

  • DriveAdvisor Program Endorsement – CIC-2229
    (12-15)
  • Supplemental Application for M<A MV Insurance – CIC -2115 (12/15)
  • Coverage Selections Page – 12/15

Rules:

  • Massachusetts Private Passenger Automobile Insurance Manual

Markup of Changes

  • Rule 11. Premium Calculation rule
  • Rule 19. Discounts:
    • B. Account Discount
    • E. Annual Mileage Discount
    • F. Shop Smart Credit
    • M. Welcome Back Credit
  • Rule 26. Additional Company Rating Rules:
    • A. Years Licensed
    • B. Risk Factors
    • C. Driver-Vehicle Factors
    • D. Loyalty Plus Factor
    • E. HH Level Factor
    • F. Hardship Accommodation
  • Rule 37. Company Endorsements
    • DriveAdvisor Program Endorsement – CIC 2229

Rates:

  • Base Rate Pages
  • Motorcycle Rate Pages
  • Miscellaneous Rating Factors
  • Annual Mileage Definitions and rate pages
12/01/15 New/Renew
CMRC129846214

Form/Rate/Rule
Form:

  • Supplemental Application for MA MV Insurance – CIC-2115 (05/15)
  • Disappearing Deductible Credits – CIC-2197 (05/15)
  • Private Passenger Manual of Rules

Rules:

  • Rule 19. Discounts
    • Account Discount
    • Shop Smart Credit
    • Green Discount
  • Rule 26. Company Rating Rules
  • Rule 38. Disappearing Deductible Credit
  • Rule 56. Merit Rating Plan

Rates:

  • Base Rate Pages
  • Miscellaneous Rating Factors

Markup of Changes

05/01/15 New/Renew
CMRC130322778
CMRC130332873
CMRC130184655

CMRC130140448
CMRC130151329
CMRC130107755

CMRC130074427
CMRC130054324
CMRC130042523
CMRC129847886
Groups 12/15
12/15
09/15
08/15
08/15
07/15
06/15
06/15
05/15
04/15
CMRC129636061

Form/Rate/Rule:
Form:

  • Supplemental Application for Massachusetts Motor Vehicle Insurance – CIC-2115 (12/14)
  • Coverage Selections Page

Rule:

  • Rule 11. Premium Calculation 
  • Rule 12. Premium Rounding
  • Rule 19. Discounts
    • F. Shop Smart Credit
    • M. Welcome Back Credit
    •  
  • Rule 26. Additional Company Rating Rules
    • D. Loyalty Plus Factor
    • F. Hardship Accommodation
  • Rule 38. Disappearing Deductible Credit
  • Miscellaneous Rating Factors
12/01/14 New/Renew

CMRC129585725

+1%

Form/Rate/Rule
Complete Manual with Markups
Forms:

  • Supplemental Application for MAIP (with markups) – CIC-2115 MAIP (11/14)
  • Supplemental Application (with Markups) – CIC-2115 (11/14)

Rules:
Complete Manual of Rules with Markups

  • Rule 11. Premium Calculation Rule
  • Rule 18. Termination of Insurance
  • Rule 19. Discounts
    • Multi-Car:
      • Private Passenger
      • Motorcycle (NEW)
      • Account Discount
      • Annual Mileage Discount
      • Green Discount
  • Rule 26. Company Rating Rules
    • A. Years Licensed
    • B. Risk Factor Table
    • D. Loyalty Plus Factor
    • E. Household Level Factor
  • Rule 44. Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles
  • Rule 56. Merit Rating Plan

Rates:
Base Rate Pages

  • Rate Pages – MA PPA
  • Base Rate Pages – Liability Symbol Pages
  • Base Rate Pages – Physical Damage Symbol Pages
  • Motorcycle Rating Rules & Territory Definitions (now includes Multi-Car)
  • Miscellaneous Rating Factors
11/01/14 New/Renew
CMRC129487165

Rate/Rule:
Rule:

  • Rule 20. Vehicle Liability Symbols

Rate:

  • Base Rate Pages – Liability Symbol Pages
  • update our Liability Symbol structure to reflect ISO’s 2010 Liability Program, as provided in ISO Circular LP-AA-2011-005 and filing number PP-2011-RLP1.

 

09/01/14 New/Renew
CMRC129440067

Form/Rule
Form: 

  • Retail Benefit Program – CIC-2238 (05/14)

Rule: 

  • Rule 37. Company Endorsements – Retail Benefit Program Endorsement
04/01/14 New/Renew

CMRC129801185
CMRC129635858
 
CMRC129561991 
CMRC129379328 
CMRC129433328

Groups 12/10/14
09/01/14
07/15/14
04/01/14
04/01/14 
CMRC129346376

Form/Rule
Rules Revised:

  • Rule 19 Discount – Annual Mileage
  • Rule 38 Disappearing Deductible Credit
  • Rule 40 Antique Motor Cars
  • Rule 41 Stated Amount Coverage
  • Rule 44 Motorcycles, Motor scooters, Mopeds and Similar Motor Vehicles
  • Rule 56 Merit Rating Plan / Accident Forgiveness

Rate Pages Revised:

  • Motorcycle Rating Rules and Territory Definitions
  • Original Cost New Determination Rule

Forms Revised:

  • Accident Forgiveness
05/01/14 New/Renew
CMRC129165933

Forms & Endorsements:

  • DrivAdvisor Program Endorsement – CIC 2229 (12/13)
  • Letter for DriveAdvisor Program
  • Brochure for DriveAdvisor Program
  • Terms of Use and Privacy Policy – DriveAdvisor Program

Rule 37. Optional Endorsements – DriveAvdisor Program Endorsement added

12/01/13 New/Renew
CMRC129069522
+1.800% 

Form/Rate/Rule
Rates:
Base Rates
OBI Limit Factors
2015 Mode Year/Symbol Factor
Liability BI & PD Symbol Factors

Rules: 11, 12, 19, 26, 36, 56

Forms & Endorsements:

  • Commerce Enhancer Package Endorsement -
    Form CIC 2122 (11/13)
  • Commerce VIP Package Endorsement -  
    Form CIC 2123 (11/13)
  • AAA Member Package Endorsement -  
    Form CIC 2114 (11/13)
  • Coverage Selections Page (11/13)
  • Supplemental Application – Form CIC 2115 (11/13)
  • Supplemental Application – MAIP –
    Form CIC 2115 MAIP (11/13)
  • Vehicle Sharing Exclusion -  CIC-2212 (11/13)
  • Notice to Policyholders  -
    CIC 2211 (11/13)
  • Accident Forgiveness -
    CIC 2209 (11/13)
11/01/13 New/Renew
CMRC128856929 Installment Plan 08/01/13

CMRC129279971
CMRC129222575
CMRC129193917
CMRC129160124

CMRC129153473
CMRC129107742
CMRC129042502
CMRC128998663
CMRC128909129
CMRC128878291

Groups 12/01/13 New/Renew
11/01/13
10/01/13
09/15/13 
09/01/13
08/01/13
07/01/13
06/01/13
04/01/13 
04/01/13 
CMRC128799484 +1.1%

Rate/Discount/Factor Changes:

  • Base Rate Revision (Private Passenger & Motorcycle)
  • Risk Factors revision (Rule 26 b.)
  • New Merit Rating Factors for OBI (Rule 56)
  • Removal of the Passive Restraint Discount (Rule 19)
  • Addition of Model/Symbol Factors for Model Years 2012
  • Revised Motorcycle Inexperienced Factor
  • Removal of Implicit Surcharge Factor for Motorcycles
  • Move to Cost New for Motorcycle with the addition of Age Factors
  • Introduction of Motorcycle Accessory Rates
  • Revised Motorcycle Optional BI ILF’s

Rules: 2, 11, 12, 19, 37, 44, 56

Forms & Endorsements:

  • Coverage Selections Page
  • Supplemental Applicaiton
05/01/13 New/Renew
CMRC128436680 +1.8%

Complete Manual
Rates & Factors:

  • Base Rates for BI, OBI, PD, Coll & Comp. 
  • Symbol Factors MY 2014
  • Misc. Rate Factors Page

Rules: 11, 19, 26, 41
Forms & Endorsements:

  • Supplemental Application
  • Supplemental MAIP Application 
11/01/12 New/Renew
CMRC128072798

Forms & Endorsements:

  • Amendment of Policy Porvisions - MA
04/01/12 New/Renew
CMRC127890881  +2.1%

Form and Endorsements:

  • Annual Mileage Discount
  • Auto Loan/Lease Coverage
Complete Manual
Rules: 19, 56
Rates
05/01/12 New/Renew
CMRC127847625

Forms & Endorsements:

  • Supplemental Application
  • MA Mandatory End. ACV 
02/01/12 New/Renew
CMRC127192050  +2.4%

Form and Endorsements:

  • Application
  • AAA Member Package
  • Commerce VIP Package
  • Commerce Enhancer Package
  • Coverage for Anyone Renting an Auto to You Additional Insured - Lessor

Complete Manual
Rules: 11, 26, 35, 36, 37, 55, 56
Rates

11/01/11 New/Renew
CMRC127382009

Complete Manual
Motorcycle Value Determination

11/01/11 New/Renew
CMRC127625229

Forms & Endorsements:

  • Supplemental Application MAIP
  • Application
12/01/11 New/Renew
CMRC126895831 +3%

Rate/Discount/Factor Changes:

  • Base Rate Revision (Private Passenger & Motorcycle)
  • Risk Factors revision (Rule 26 b.)
  • New Merit Rating Factors for OBI (Rule 56)
  • Removal of the Passive Restraint Discount (Rule 19)
  • Addition of Model/Symbol Factors for Model Years 2012
  • Revised Motorcycle Inexperienced Factor
  • Removal of Implicit Surcharge Factor for Motorcycles
  • Move to Cost New for Motorcycle with the addition of Age Factors
  • Introduction of Motorcycle Accessory Rates
  • Revised Motorcycle Optional BI ILF’s

Rules: 2, 11, 12, 19, 37, 44, 56

Foms & Endorsements:

  • Motorcycle Accessory Endorsement
  • Declarations Page
  • MA Auto Applicaion
  • Supplemental Application
  • AIB forms
 04/01/11 New/Renew
CMRC126922400

Forms & Endorsements:

  • Stated Amount Coverage
  • Antique Auto
  • Waiver of Deductible
  • Excess Electronic Equipment Coverage
  • Application
02/07/11 New/Renew
CMRC126609141  +3.5%

Complete Manual
Rules: 4, 11, 12, 13, 19, 22, 25, 26, 41, 45, 50 
Rates

Forms & Endorsements: 

  • Coverage Selections Page
11/01/10 New/Renew
CMRC126627066 Installment Plan 10/01/10 New/Renew
CMRC126626666 Installment Plan 10/01/10 New/Renew
CIC126510155 Installment Plan 06/03/10 New/Renew
CIC09NOV16172    +3.5% Complete Manual
Rules: 11, 19, 26
Rates
04/01/10 New/Renew
CIC09OCT30011     Installment Plan  01/04/10 New/Renew
CIC09OCT23463     Installment Plan  01/04/10 New/Renew
CIC09SEP17351    

Forms & Endorsements:

  • Notice of Mandatory
    Pre-Insurance Inspection

Rule 55

12/01/09 New/Renew
CIC09SEP15464     Installment Plan 09/25/09 New/Renew
CIC09JUL22668    

Forms & Endorsements:

  • Coverage Selections Page
12/01/09 New/Renew
CIC09JUN16430    +0.1%

Forms & Endorsements:

  • Supplemental Application
  • Supplemental Application for MAIP

Complete Manual
Rules: 11, 19, 26, 40
Rates

09/01/09 New
11/01/09 Renew
CIC09JUN18815     Installment Plan 09/01/09 New
11/01/09 Renew
CIC09JUN18747     Installment Plan 09/01/09 New
11/01/09 Renew
CIC09APR13535    

Forms & Endorsements:

  • Cancellation Notice
05/01/09 New/Renew
CIC09MAR10184    

Forms & Endorsements:

  • Non-Renewal Notice
05/01/09 New/Renew
CIC09MAR02442

Forms & Endorsements:

  • Advisory Notice - Removal of Commerce VIP Endorsement
  • Non-Renewal Notice
08/01/09  New/Renew
CICRULECOMM122908 Installment Plan 04/01/09 New/Renew
CIC08DEC02896    -3.0% Rates - Motorcycle 04/01/09 New/Renew
CIC08NOV12376    -4.5% Complete Manual (marked up)
Rules: 3, 8, 11, 19, 23, 28, 35, 37, 50, 56
04/01/09 New/Renew
CIC08NOV12165    

Forms & Endorsements:

  • AAA Package Endorsement
  • Dec Page
  • Supplemental Application
  • Elite Package
  • MAIP Supplemental Application
04/01/09 New/Renew
CIC08Nov258062    

Forms & Endorsements:

  • Commerce Elite Package Endorsement
  • Supplemental Application
  • Ways to Save Guide
  • Advisor Notice to Remove Commerce Elite Package Endorsement

Rule 37

12/01/08 New/Renew
CIC115523     Rule 37 12/01/08 New/Renew
CIC115511    

Forms & Endorsements:

  • Auto Loan/Lease Coverage
  • Supplemental Application
  • Ways to Save Guide
12/01/08 New/Renew
CIC114677    

Forms & Endorsements:

  • Com-Pack Endorsement
  • Supplemental Application
  • Ways to Save Guide
  • Advisor Notice to removed Com-Pack Endorsement
11/01/08 New/Renew
CIC114648     Rules: 11, 19 11/01/08 New/Renew
CIC114681     Rule 37 11/01/08 New/Renew
CIC114094    

Forms & Endorsement:

  • Commerce VIP Package Endorsement
08/01/08 New/Renew
CIC113257     Rule 26  04/01/08 New/Renew
CIC114020     Rule 36 08/01/08 New/Renew
CIC113176     Rules: 11, 35, 37 08/01/08 New/Renew
CIC113166    

Forms & Endorsements:

  • Commerce Enhancer Package Endorsement
08/01/08 New/Renew
CIC113184    

Forms & Endorsements:

  • Supplemental Application
  • AAA Member Package Endorsement
  • Ways to Save Guide
07/01/08 New/Renew
CIC112802    

Forms & Endorsements:

  • Ways to Save Guide
07/01/08 New/Renew
CIC112541     Rules: 19, 35 07/01/08 New/Renew
CIC113257     Rules: 26, 28 04/01/08 New/Renew
Initial Filing    -8.1% Commerce Manual 04/01/08 New