Unlike many states that rely on ISO reporting, Massa-chusetts has a plethora of regulatory bodies that oversee the sale of auto insurance. For example, there's the Massachusetts Registry of Motor Vehicles (RMV), the Uninsured Motorist System (UMS), the Merit Rating Board (MRB), Commonwealth Automobile Reinsurers (CAR) and the Automobile Insurers Bureau Detailed Claims Database.

The existence of so many state bureaus--each with unique reporting requirements--makes processing auto policies in the Bay State technically and administratively challenging, says Mark Giuliani, vice president, information systems at Quincy Mutual Fire Insurance Co., Quincy, Mass.

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