Personal Injury Protection typically covers medical expenses, funeral expenses and lost wages as a result of an accident, regardless of fault. There are also deductible options to select from. In Massachusetts, the maximum amount of coverage available is $8,000 and depends upon whether there is health coverage available. Personal Injury Protection, also known as PIP or no-fault coverage, is mandatory in MA.
Personal Injury Protection (PIP) in Massachusetts Talk with an insurance agent near you to find the right limits for your specific MA insurance policy. Generally, coverage is available up to $250,000. With the cost of parts, repairs and specialized labor on the rise, it’s important that drivers select limits that meet their needs. Be aware, the legal minimum limit for Property Damage coverage in Massachusetts is only $5,000 per accident.
Property Damage coverage can help cover repairs for property the insured damages in an at-fault accident, including damage caused to another vehicle. Damage to Someone Else’s Property Coverage in Massachusetts Optional Bodily Injury to Others coverage is usually available from $20,000/$40,000 up to $500,000/$500,000 and can apply to accidents that occur anywhere in the U.S. Since this coverage doesn’t apply outside of Massachusetts and may not offer enough coverage for a serious accident, many drivers choose to increase their coverage by adding Optional Bodily Injury to Others. In Massachusetts, Bodily Injury to Others liability is locked at $20,000 per person and $40,000 per accident, but only applies to accidents that occur within Massachusetts. This coverage can help cover injuries and medical expenses (up to the limit selected) for anyone the driver harms in an at-fault accident. In Massachusetts, Bodily Injury to Others liability coverage (sometimes abbreviated as BI) is necessary to legally operate a vehicle. Bodily Injury Liability Coverage in Massachusetts
Since insurance laws and coverage vary state to state, it’s important to know what compulsory coverage, or mandatory car insurance coverage in Massachusetts includes.
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