The Boston Globe Consumer Beat column

The question now is to adopt new emergency start as officials of state efforts to a reorganization of the Massachusetts auto insurance system. One of the main reasons the average premium in Massachusetts costs more than $ 1000 per year is the fact that drivers more self-insurance rights as everybody else in the country.

How you arrive at the root of the problem - the key to finding a way of improving the situation - is not so simple. Based on interviews with highway safety, insurance and criminal prosecution authorities, there is no single cause for the high level of accidents. It seems a rare combination of aggressive drivers, periodic bad weather, Lax, repression, fraud insurance, and many antique cars led to confusion and road network.

Daniel Johnston, president of the Automobile Insurers Bureau of Massachusetts, said the average premium could be reduced by approximately 20 per cent, if the state can not under-statement of its deposit rate on the level of Rhode Island. Rhode Island, the third largest in the nation in claims, but the rate is still about 25 per cent less than Massachusetts.

“There are many economies is at stake,” said Johnston. “But it is almost an imponderable feat on the low level of accidents. The number in Massachusetts never seems to move much.”

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