An Act relative to insurance point surcharges

This bill would prevent insurance companies in Massachusetts from adding surcharge points to drivers' premiums for minor at-fault accidents or traffic violations where the damages are $2,500 or less. By amending existing state laws, the legislation directs the insurance commissioner to exclude these specific low-cost incidents from the calculation of insurance risk classifications. The change aims to reduce the financial impact of minor infractions on policyholders while maintaining penalties for more serious offenses.