Residents of Massachusetts do quite a lot of driving, it could be to get to and from work in busy Boston or traveling on the road to beautiful Cape Cod. Either way, Massachusetts roads can be frightening with plenty of traffic and dangerous weather conditions. It is important that motorists in Massachusetts carry proper Massachusetts auto insurance.

Massachusetts Auto Insurance Requirements

Massachusetts has reduced lawsuits by its motorists and kept the Massachusetts auto insurance rates down by introducing a no fault accident insurance plan. The good thing about a no fault policy is that every motorist insured in the state will have their insurance company pay for medical expenses that they would sustain during a car accident whether or not they were at fault. Therefore, coverage for Massachusetts auto insurance must include Personal Injury Liability. Personal Injury Liability pays medical expenses, loss of income from loss wages, and death benefits. How much PIP the insured requires will depend upon how much health insurance the driver already has.

No fault insurance will carry expenses up to a certain amount but extra coverage will be needed to pay for really large claims. All drivers in Massachusetts must carry at least the minimum bodily injury liability and property damage to protect themselves in case they were were to be at fault. The Massachusetts auto insurance minimum requirements are set at 20/40/5 and is represented as follows:

• Bodily Injury Insurance – If the insured caused the accident, Bodily Injury Insurance will pay out up to $20,000 for medical expenses resulting from that accident for an injured party in another car.
• Bodily Injury Insurance- will cover up to a maximum of $40,000 for more than one injured person in the accident.
• Property Damage Liability – The basic amount of property damage liability for damage to the other vehicle or public or private property such as road signs and homes, is set at $5,000.

It is not wise to simply carry the basic amount of auto insurance; medical expenses and property damage can really become expensive. The at fault driver may not have enough insurance and therefore the other driver would end up paying for a lot of damage to his/her car even when not being at fault.

Residents of Massachusetts should also include Comprehensive and Collision on their Massachusetts auto insurance coverage. Comprehensive and Collision will give them funds for repairs to their own car even if they are at fault, it is often useful for damage caused by weather or other types of natural occurrences.

Unfortunately, not everyone follows the law and some people will be under insured or not insured at all. If they cause an accident on the road no funds will be available to pay for the damage to the other car, therefore Massachusetts requires its driver to carry Uninsured/Underinsured Motorist protection to pay for collision coverage to their cars in the event the other party cannot pay. UM Massachusetts auto insurance will also cover hit and run collisions as well.