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Massachusetts Car Insurance (MA)The state of Massachusetts, a no-fault state, requires that every car insurance policy for vehicles registered in the state carry certain amounts of liability coverage for bodily injury and for property damage. These liability clauses apply in the case of an accident where you are at fault, and are meant to provide for injury-related costs for the driver and passengers, as well as damage to the other car. Minimum Car Insurance Requirements in MassachusettsThe minimum bodily injury liability requirement is $20,000 for an individual and $40,000 per incident. This means that your insurance will pay up to $20,000 in injury-related costs for any one person in the other car, and a total of $40,000 for all parties in the vehicle. The minimum liability for property damage is $5,000. Massachusetts also requires that you carry insurance covering you for accidents that involve uninsured or hit-and-run drivers. This portion of your policy also applies to injury related costs, incurred by you and your passengers. The minimums are the same as the liability levels for bodily injury: $20,000 per individual and $40,000 per incident. There is no coverage for damage to your car included in this policy component. The final compulsory component for Massachusetts car insurance is Personal Injury Protection (PIP). PIP will cover up to $8,000 in medical expenses for you and any of your passengers. It applies to any medical expenses over $2,000 that your health insurance does not cover. It will not cover costs that the health carrier would have paid had the claim been filed in a timely manner. Optional Car Insurance Coverage in MassachusettsOptional insurance clauses include collision coverage, which pays for damage to your vehicle in the case of an accident where you are at fault. Collision insurance usually has a $500 deductible that applies, unless you have opted for a higher deductible in order to keep your premium costs down. Comprehensive coverage pays for damage to your vehicle from non-accident related incidents such as fire, storm damage or vandalism. Medical payments coverage will pay for injury related costs over and above those covered by PIP for you and your passengers, regardless of who is at fault in the accident. This additional protection can be purchased beginning at a minimum of $5,000 in coverage. You may also purchase insurance that pays for your towing costs from the scene of an accident. There is also insurance available to pay for substitute transportation, such as a rental car, while your own vehicle is in the shop. Car Insurance in Massachusetts CitiesLearn more about car insurance specifically in Boston. Get a FREE auto insurance quote in Massachusetts (MA) today >> * Cars-Insured.net is not a broker, insurance agent, or carrier. The content on the site is for informational purposes only. Products and services described may not be available in all states. |
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