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Details About Massachusetts Auto Insurance Coverage
State law mandates all drivers must carry four types of Massachusetts auto insurance coverage. They include damages to the property of someone else, bodily injuries caused by under-insured or uninsured motorists, personal injury protection (PIP), and bodily injuries caused to others.
The minimum coverage levels mandated by Massachusetts auto insurance laws are 20K dollars for bodily injuries to one other person, 40K dollars for bodily injuries to two or more people, and 5K dollars for the destruction of property. In addition, personal injury protection (PIP) of 8K dollars must be carried to cover medical and loss of work expenses, regardless of who is at fault. The minimum levels for uninsured or under-insured protection are 20K dollars per person, and 40K dollars for two or more people.
Massachusetts auto insurance laws do not require drivers to carry comprehensive or collision coverage. While these types of policies are widely available, they are optional. Authorities recommend drivers carry more than the minimum levels that are legally required by Massachusetts auto insurance laws. This is due to the fact that most serious accidents are associated with very high costs.
The Massachusetts auto insurance Managed Competition program provides discounts for some residents. Senior citizens are eligible for discounts. In addition, some types of vehicular safety equipment qualify for discounts. They include low mileage discounts (less than 5K miles), passive (automatic) passenger restraint systems, anti-lock braking systems, air bags, and anti-theft devices.
In addition to the Managed Competition Massachusetts auto insurance program, many companies offer their clients discounts. Those eligible may include students who receive good grades, motorists with good driving records, those who drive hybrid cars, drivers with many years of driving experience, and specific driver-to-vehicle ratios. In addition, many Massachusetts auto insurance companies offer discounts to their clients who hold homeowners or renters policies.
Motorists must maintain proof of coverage for each of their registered vehicles. When applying for a vehicular registration, a specific form (RMV-1) must be presented. This official document may be obtained through a Massachusetts auto insurance company. It will contain a variety of information, including the name of the policy-holder, vehicle identification number (VIN), description of the vehicle, limits and types of coverage, and expiration dates. Drivers must keep proof of coverage cards in their vehicles at all times so they may produce them during traffic stops or accidents.
The penalties for failing to comply with Massachusetts auto insurance laws are severe. If convicted, a driver may face up to one year in prison and/or a fine between 500 and 5K dollars, a 60-day suspension of her or his driver’s license, and suspension of vehicle registration. In addition, those who are convicted of non-compliance will have difficulty locating affordable policies. Many insurers refuse to cover drivers who have been convicted of driving without proper coverage.
It’s critical for drivers to adhere to the Massachusetts auto insurance laws. They were designed to provide financial protection for those who are involved in vehicular accidents. These include collisions with other vehicles, objects (buildings, trees, fences, etc.), animals, or other people. Coverage can also protect drivers from expenses incurred from weather phenomena, theft, vandalism, or fire.
