Car Insurance in Massachusetts

What are Car Insurance Requirements in Massachusetts?

Like many other states, drivers in Massachusetts are required to have car insurance in order to legally drive. However, the Commonwealth has a no-fault system, limiting the rights to sue over an accident. Before hitting the road, it’s important to understand your insurance rights and obligations and purchase an appropriate auto insurance policy.

Massachusetts Minimums Auto accidents are expensive, so like other states, MA requires that all drivers carry a minimum amount of insurance. This provides substantial financial protections for all parties involved in an accident. When purchasing a policy in MA, you must make sure it complies with these regulations:

• $20,000 per person/ $40,000 per accident in bodily injury to others coverage, to pay for the medical expenses of others involved in the accident.

• $8,000 per person per accident of personal injury protection to cover the medical expenses for you and your passengers.

• $20,000 per person/ $40,000 per accident in bodily injury caused by an uninsured auto

• $5,000 per accident for damage to another’s property.

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What Else About Your Massachusetts Vehicle?

Insurance carriers in the state require you to list all licensed drivers that live within your household, along with others who may drive your car. If they have their own insurance policies, this will typically not incur an extra fee. Failure to list all drivers may result in a denial of your claims. 

MA has a no-fault system. This means that when there is an accident, you must first file a claim with your personal insurance carrier to pay for any expenses and damages, regardless of who is at fault. There are limited circumstances in which you can sue another driver to recoup any accident-associated costs:

  1. If the injuries have cost over $2,000 in reasonable medical expenses and/or
  2. The injuries include permanent and serious disfigurement, loss of hearing or sight, or fractured bone
If you have any questions about no-fault insurance coverage, your agent will be able to answer any questions about how to file claims in case of an accident.

 

Additional Car Insurance Coverages

In addition to the required auto insurance coverage that you must hold, there are other optional coverages you can purchase. The two most common are:

Collision Insurance – If your car is damaged in a collision accident, this will help to pay for repairs or replacement up to your policy limits.

Comprehensive Insurance – This policy helps to pay for damages done to your vehicle from events other than a collision such as vandalism, storm damage, fire, and flooding. Theft of your vehicle will also be covered.

Policies offer additional options such as towing and rental car coverage. Your agent can help you find the right policy options for your needs and budget. You may also qualify for premium discounts to help defray the cost of your insurance. Being a responsible driver means following all the rules of the road. In Massachusetts, that requires you to have a minimum amount of car insurance to cover your expenses in case of an accident. By investing in an auto insurance policy, you are taking an important step towards protecting yourself and those around you.

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