Common and frequently asked Massachusetts auto insurance questions are “What is a deferred driver on an auto insurance policy?”, “What is a deferred driver?”,
If you’re a new driver to Massachusetts, you may have never heard the term “Deferred Operator” or “Deferred Driver” (and that’s OK and normal.) If you’ve never lived in Massachusetts, the concept of a “Household member” or “Deferred Driver” may be foreign to you. Below is helpful information and resources designed to help MA drivers and consumers better understand the laws and requirements for deferred operators in Massachusetts.Lower Car Insurance Quotes and Rates in MA
Definition of a Deferred Driver in MA
In Massachusetts, we get this question all the time! Simply put, a deferred driver is someone who is “listed” on “Massachusetts Personal Automobile Insurance Policy” but not rated (meaning they will not be strongly rated on your policy).
They may be “Listed” and “Not rated” (Or Deferred) because 1. They have their own & separate auto insurance policy or 2. They do not have a valid driver’s license.
Massachusetts car insurance laws, rules, and regulations differ drastically from other states. This is why it makes sense for most homeowners and drivers to have an independent insurance agency to protect them from the aggressive nature of Massachusetts home and auto insurance pricing. (It only takes 1 bad storm or a few fatal accidents to drive up rates in Mass!)
In 2021, if a Massachusetts “listed driver” has their “own insurance policy”, then the driver most likely be listed as a “deferred operator” on most policies. If they will be operating your vehicle, Premier Shield Insurance agents strongly recommend you list & rate these drivers.
Some insurance companies charge an additional cost for “Deferred Driver/Operators” or “Excluded Drivers“. Occasionally/frequently (Mostly frequent in Boston MA) we’re seeing many insurance carriers won’t allow these drivers to be deferred or will rate & charge you additional premium instead. Specifically, licensed household members that do not have an active insurance policy in Massachusetts.
Insurance Customer Problems with Deferred Drivers & Household Members in MA
Below are some of the common situations “Named Insured” policyholders in Massachusetts see problems with when following insurance company rules and Massachusetts laws regarding Household members and deferred drivers.
- My Spouse (Husband/Wife) is a Bad Driver – Even if your spouse has their own policy, many Mass car insurance companies will want to rate them their policy because they know there is a strong chance your spouse will be driving the vehicle no matter what you’re saying on the application.Insurance companies will use the driving history of “every household member” to determine eligibility. If your spouse/child/roommate/family member is a bad driver, the auto insurance companies can refuse to do business with you (The number of violations exceeds underwriting guidelines).It’s something we’re seeing all too often in 2021 and for new 2022 car insurance policies. If you are in a situation where your spouse is a bad driver your situation is complex. You should consider working with an expert auto insurance agent at Premier Shield by requesting an MA Car Insurance quote online or calling 1-774-847-7746.
- Understanding the MA laws and requirements will help you better understand why not following the insurance and legal requirement can help you into BOTH legal and financial problems.Learn more about Massachusetts law about auto insurance at Mass.gov.
- My Spouse Son or Daughter is a Bad Driver – If you have a young or newly licensed driver in Massachusetts, it’s expensive even if they have a “perfect driving record”. If they have a speeding ticket, accident, or other claims on their car insurance, it’s not uncommon for a policy to become “too expensive” for the family to continue to pay.
Do you have more questions on how “Deferred Drivers or Deferred Operators“ work in Massachusetts? Send us an email or give us a call us at 1-774-847-7746 and we’ll be happy to help you with more personal specifics on your situation. Typically the best solution in Massachusetts is switching insurance companies.
Deferred Driver/Operator Common Insurance-Related Terms & Questions in MA
Learn more about common family/household insurance-related questions/problems/situations in Massachusetts through Premier Shield Insurance. Below are a few of the common situations we come across and some simple answers. Resources and contract law are always changing so contact your insurance provider for more specific details about your situation.
If you need the help of an expert agent, you’re welcome to contact us and get more details and solutions.
- Question: Does insurance follow the car or driver in Massachusetts? In Massachusetts, auto insurance follows the car not the driver. The exception would be for Non-Owners Auto Insurance policy which is for drivers that need valid liability-only coverage but do not own or have a registered vehicle in the state of Massachusetts.
- Question: Can you drive someone’s car with their permission?Answer: The majority of personal automobile insurance policies will cover drivers you’ve “Listed & Rated” on the policy, or anyone whom you give permission to drive your car, says Nolo.com (however, that driver must have an active policy or the accident could ‘END UP BEING HELD AGAINST YOUR RECORD’. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle & have a separate valid auto policy when not listed on your policy.
- Question: Does a car have to be insured if you’re not driving it?Answer: Yes if your car is financed, you are required legally to have car insurance to protect the financial interest of the lender. Unregistered vehicles are governed by your Massachusetts Town’s Zoning Bylaws so the answer will be specific to the community you live in.
- Question: Do you need car insurance in MA?Answer: “Yes, car insurance is a legal requirement in the state of Massachusetts. You must be a rated driver on a policy to meet the legal requirements to operate a vehicle in the state of Massachusetts” If you need help obtaining an affordable MA auto policy, you can request MA vehicle quotes online here.
Premier Shield Massachusetts Insurance Products & Consumer Information
- “Auto Insurance“
- “Bundled Home and Auto Insurance“
- “Child Life Insurance“
- “Classic Car Insurance“
- “Condo Insurance“
- “Flood Insurance“
- “High Net Worth Insurance“
- “Home Insurance“
- “Life Insurance“
- “Mobile Home Insurance“
- “Motorcycle Insurance“
- “Off-road Vehicle Insurance“
- “Rental Property Insurance“
- “Renters Insurance“
- “Umbrella Insurance“
- “Watercraft and Boat Insurance“