In Massachusetts there are predetermined types of accidents that are automatically your fault.
The standards of fault include about 20 situations in which residents are assumed to be responsible for causing the accident. The only ways that you could keep insurance premiums down after getting into an accident that involved any of the circumstances described here would be if you went to the appeals board and convinced them that the reality was otherwise.
The situations included in the standards of fault appear to have been cut by nearly a third since they were first made law. Originally, there were 31 total situations, but that has been pared down to 19.
Here are some of the remaining crash-related instances where your presumption of innocence is thrown out the window:
- You hit a parked car.
- You rear-ended another car.
- You didn’t signal before turning or changing lanes and hit another car in the process.
- You crashed into another car while passing another vehicle.
- You crashed into another car while you were driving on the wrong side of the road.
- You hit another car while backing up.
- You crashed into another car while exiting a parking space, parking lot, alley, or driveway.
- Your door was hit while you had it open.
- You left your car unattended and it rolled away, hitting another car.
- You got into an accident while failing to pull over for an emergency vehicle.
Of course, not all of these scenarios will lead to a surcharge 100 percent of the time. In fact, the majority of people who go to appeal surcharges end up getting them overturned.
But look at the list and avoid doing all of these things – that is how to maintain your good driving record.
If you have any questions on this please call my office 413-543-3800