Massachusetts Auto Insurance Laws
In the Bay State, residents that wish to drive or register an automobile must be able to prove financial responsibility in order to do so. This is most commonly done by purchasing an auto insurance policy that meets a series of specific requirements. To be considered adequately covered, residents must carry coverage that includes the following:
- Bodily Injury Liability
- $20,000 per person
- $40,000 for per accident
- Property Damage Liability
- $5,000 per accident
- Personal Injury Protection (PIP)
- Uninsured Motorist
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
In order to deter motorists from breaking the law and encourage safe driving, Massachusetts created the Safe Driver Insurance Plan. This program works by rewarding safe driving with lower premiums, while ensuring that higher-risk drivers with poor driving records pay higher coverage costs. If a vehicle owner commits a traffic violation or is considered at-fault for an accident, a series of points may be added to their driving record. The number of points that an individual receives is often based on the seriousness of the accident or violation. The more points that an individual accumulates the higher their rates are likely to increase. On the other hand, if a motorist has a small number of points they are likely to obtain various savings, such as the Excellent Driver Discount, which can help lower coverage costs considerably.
Motorists may want to also note that the minimum coverage required by the state does not cover any damages that are caused to the insured's automobile. If a driver wishes to obtain such protection, they may benefit from a MA car insurance comparison with the inclusion of comprehensive and collision, which will insure vehicles for physical damage.