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Car Insurance for Massachusetts Drivers

Car insurance for Massachusetts drivers is very important because it is required by state law. Financial responsibility is a critical legal concept in car insurance terms. When accidents happen (whether on the road or incidents involving car insurance and natural disasters), negligent drivers need to be able to take care of their responsibility to the other motorists to pay for the financial damages involved. But without auto insurance, most of us would not be able to afford to do this. This is a big part of the reason why car insurance is on the books almost everywhere across the country, and certainly part of the reason why it is required here in Massachusetts.

Massachusetts Auto Insurance Requirements

Legal requirements for auto insurance in MA are set down in the laws of the state. The legislature handles the creation and revision of such laws, making changes or adjustments as the majority deems necessary or practical. Different states have different laws for auto insurance, and thus it is important for drivers to pay close attention to what is required where they live so that they can be sure to remain in compliance and thus avoid trouble.

Liability Auto Insurance

Like most states, Massachusetts requires auto liability protection for its motorist. Liability insurance provides financial protection for the insured driver against the cost of taking care of obligations that come out of at fault accidents. These obligations could be related to medical and other related expenses stemming from injuries suffered at the time of the accident, personal property losses, or some combination of the two. Drivers in the state are required to carry liability insurance that provides specific and separate protection for both bodily injury and property damage losses.

Bodily injury liability coverage protects you as a driver from the cost of paying for the other driver's medical care, rehabilitation, funeral expenses, and other associated costs resulting from injury or death in a car accident for which you are at fault. Like many other states around the country, Massachusetts uses the split limit liability insurance system, which breaks up coverage into three parts. The first two parts cover bodily injury losses. In Massachusetts, drivers must carry at least $20,000 in single victim bodily injury and $40,000 in multiple victim bodily injury coverage [1]. These are only minimum levels of coverage and motorists can choose to increase their coverage to better prepare for the large payouts that sometimes follow major injury accidents.

Property damage liability insurance protects us as covered drivers against any property losses other than our own that we cause as a result of an at fault accident. These losses are not limited to only auto damages. They can also include damage to road signs, fences, houses, and any other property. The state requires drivers to have at least $5,000 in personal property damage liability, although this amount is far too low to pay to replace someone else's car if it gets totaled. One thing we need to remember as MA drivers is that we are still responsible for damages that come in above and beyond the limits of our policies. So it is important to have good Massachusetts car insurance.

Uninsured/Underinsured Motorist Auto Insurance

In addition to liability coverage, drivers in the state are also required by law to carry uninsured and underinsured motorist car insurance coverage. These parts of the policy protect drivers from the potential cost of accidents where the other driver was at fault but was not insured, or did not have enough insurance to cover the cost of the crash. UM and UIM coverage do not mean that the insurance companies in the state are unconcerned with recovering accident costs from inadequately insured negligent drivers. Typically, the insurance company will pay out for losses to the covered driver and go after the negligent driver for those losses. If the insurance company gets paid back it will then reimburse the covered driver for their deductible payment on the claim.

Personal Injury Protection (PIP)

PIP is also required for Massachusetts motorists. Personal injury protection covers the driver and any passengers in the car at the time of the accident against the financial cost of dealing with injuries suffered in a crash. It can also cover you if you are involved in an accident and get hurt while you are in someone else's car.

Motorists in the state of Massachusetts have many legal responsibilities when it comes to their auto insurance coverage. It is good to become more familiar with what is required and to also look into additional optional coverage so that you can build an auto policy that is compliant with the law and that protects your family. Car insurance for Massachusetts drivers is an important investment, one that protects us from a wide range of financial threats we encounter when getting behind the wheel.

[1] Retrieved 2010-08-13.


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