Car Insurance guidelines for Massachusetts

The diverse nature of laws made by the states within the United States have meant that each state has specific requirements when it comes to the kind of insurance that needs to be bought.

The state of Massachusetts follows a system which is popularly known as a No fault system. It is so called because in the state of Massachusetts, if you are involved in an accident, then the no fault system implies that irrespective of who is responsible for the accident, all the individuals shall be covered by their individual insurances to a certain extent. This was done with the intention of avoiding law suits for minor accidents, which can be dealt with at the ground level rather than have them being fought out in courts.

The state has specified a minimum amount of insurance cover that needs to be purchased by all of its citizens failing which action could be taken against the offenders which include fines or in certain cases the driving permits might be suspended for a certain duration of time.

In the state of Massachusetts, the minimum Bodily Injury Liability limit proposed at $20,000 per injured person in the accident and up to $40,000 per accident to cover for all the people involved in the accident, and Property Damage Liability coverage for an amount of $15,000 to pay for the damage caused to property. Such a minimum limit is called the 20/40/15 cover.

Apart from these, the state also specifies the need for an uninsured motorist injury protection and the amount for the same is fixed at $20,000 per injured in that particular accident. This way the need for the person responsible for the accident to pay for any damage caused to the uninsured motorist is greatly reduced as the insurance company is liable to pay for the same. Massachusetts is perhaps one of the few states that essentially require an uninsured motorist cover.

One can in addition to the above insurance cover opt for a collision insurance which would cover for any damage caused as a result of any accidents involving stationary cars or even other objects such as a road median etc. A comprehensive insurance policy insures the insured for any damage caused to the vehicle in the event of any damage caused as a result of an act of vandalism or due to natural calamities etc.

These though, are not essential and are at best considered optional requirements which are specified by the state for the well being of the citizens.

This content was created by http://BestCheapAutoInsurance.com

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