Coverage and Auto Insurance Rates Massachusetts
Reader’s Question:
What are the required coverage and auto insurance rates Massachusetts?
Monique
Boston, MA
Auto insurance is regulated on the state level, and Massachusetts has its own set of rules and requirements. While in some states, you don’t have to get Uninsured or Underinsured Motorist, here, resident drivers don’t have a choice but to get it. The required coverage limits for UM coverage in Massachusetts is US $20,000 per person up to a total of US $ 40,000 per accident for any bodily injury when you get hit by an underinsured driver. On top of that, the state of Massachusetts requires a 20/40/5 coverage-that’s US $ 20,000 per injured person, US $ 40,000 per accident, and US $ 5,000 per Property Damage Liability. You must also have Personal Injury Protection with a US $ 8,000 limit. This can help you in paying for the reasonable and necessary hospital and other medical expenses for you and your passengers. The bottom line, Monique, is that it is mandatory for you to get 20/40 UM coverage if you are a resident driver in the state of Massachusetts. Now, you can compare auto insurance rates Massachusetts regulations in mind.