Yup. (I knew I wasn't that brain-dead! Or at least I thought I wasn't....maybe...I'm not sure...) I had dinner with my rehabilitated automotive crime-spree friend Friday eve (had some great striped bass in Fairhaven, MA) and he gave me his spin on the system in Massachusetts. The complex system is called "merit rating" or SDIP and you can find a bit of infor at: http://www.state.ma.us/eops/ar97/mrb.htm Anyhow, the state does maintain a master database of violations that insurance companies are obliged to tap into so that the increase rates for some and adjust rates downward in the form of adjustment rebates for those calmer, boring, unviolate drivers.

Jim