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Q

Is Massachusetts a no fault state or a tort state? And if it is a tort state what is the minimum car insurance coverage that is required?


A

Massachusetts is a no-fault insurance state. This means your insurance company makes the payments for injuries you sustain in an auto accident, regardless of fault, up to a specified limit. According to the MA Division of Insurance there are 4 parts to a MA compulsory auto insurance policy and 8 optional coverages.

Massachusetts state law requires a compulsory minimum amount of auto insurance. Part of this mandatory car insurance is bodily injury (BI) liability coverage of a minimum of $20,000 per person for a total of $40,000 per accident and property damage (PD) liability coverage of a minimum of $5000. This coverage is commonly referred to as 20/40/5 coverage.

Another required element of MA auto insurance is Personal Injury Protection (PIP). Massachusetts state law requires a minimum Personal Injury Protection coverage of $8,000. This coverage pays for replacement services and 75% of any lost wages due to an accident. PIP coverage pays for medical expenses in excess of $2000 that are not paid for by your own medical insurer.

The forth element of a MA compulsory insurance is uninsured motorist or bodily injury caused by an uninsured auto. A minimum of $20,000 per person and $40,000 per accident is required. This coverage only pays for injuries and not for property damage caused by an uninsured or unidentified (hit and run) driver.


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