Essential Auto Insurance Information for Drivers in Massachusetts

Your Complete Guide to Massachusetts Auto Insurance

Auto insurance is a crucial requirement for all vehicle owners, whether you drive a car, truck, or motorcycle. It's necessary for purchasing or leasing a vehicle and affects your registration process. Failing to maintain proper insurance can result in license suspension. The coverage options vary by location, and Massachusetts law sets minimum auto insurance requirements for drivers. You can opt for higher coverage limits for better protection. Massachusetts operates under a no-fault insurance system, ensuring your insurer covers injury claims regardless of fault. Key coverage types include bodily injury liability, property damage, uninsured and underinsured motorist protection, personal injury protection, collision, and comprehensive coverage. Many drivers choose plans above the minimum to stay protected against unforeseen events.

Bodily Injury Liability: Covers expenses related to injuries or fatalities of pedestrians or drivers at fault, with limits of $20,000 per person and $40,000 per accident.

Property Damage Liability: Covers damages caused to others' vehicles up to $5,000.

Uninsured Motorist: Protects when involved in an accident with an uninsured driver, offering coverage from $20,000 to $40,000.

Underinsured Motorist: Shields you if the at-fault driver’s insurance is insufficient, with no set limit for serious injuries.

Personal Injury Protection: Assists with medical and funeral costs for you and your passengers, with a limit of $8,000 per person and accident.

Collision: Covers repair or replacement of your vehicle after an accident, no minimum limit required.

Comprehensive: Protects against theft, vandalism, and natural disasters; many opt for higher coverage for better peace of mind.