Massachusetts Auto Insurance
To better protect drivers, states require them to carry certain kinds of auto insurance. In Massachusetts, motorists must have policies that include bodily injury and property damage liability, personal injury protection, and uninsured/underinsured motorist coverage.
The two liability protections kick in when you're responsible for a wreck. Say you T-bone another driver and he or she has extensive injuries that require medical treatment. In this case, bodily injury liability will pay for medical, rehabilitation, or funeral expenses up to your policy's maximum limits. What about if you rear-end someone and cause damage to his or her vehicle? Property damage liability can take care of this situation by paying for necessary repairs or part replacements – up to your policy's property damage liability cap. In Massachusetts, the minimum requirements for liability coverage are:
- $20,000 bodily injury coverage per person
- $40,000 total injury coverage per incident
- $5,000 of coverage for property damage
Drivers in the Bay State must also have personal injury protection – coverage for medical expenses that you need, despite who is at fault in a collision – and uninsured/underinsured motorist protection – coverage to get your property repaired or replaced if you're hit by a driver that either doesn't have insurance or doesn't have enough coverage.
Though you may want to stick with the minimum requirements to save on your policy, keep in mind that doing so can be a huge risk. If you cause a wreck, you'll be liable for costs that result. And if said costs exceed your policy's maximum limits, you'll have to pay the remaining expenses out of pocket. Call a HomeInsurance.com agent to discuss which options may be best for you.
Discounts available in the Bay State
Massachusetts motorists may qualify for the following:
- Claim-free discount.
- Good student discount.
- Multi-car discount.
- Mature driver discount.
Discounts, however, can vary by provider.
Call a HomeInsurance.com representative for help finding the right policy for you!