Is Massachusetts A No Fault Auto Insurance State?

Introduction

If you live in the state of Massachusetts and are looking to purchase auto insurance, you may be wondering if the state is a no-fault auto insurance state. The answer to this question is yes. Massachusetts is one of 12 states in the U.S. that is considered a no-fault state. In this article, we will discuss what this means for drivers and how it affects the cost of auto insurance in the state.

What Is A No-Fault State?

A no-fault state is a state in which auto insurance laws require drivers to carry personal injury protection (PIP) insurance. This type of insurance covers the medical expenses of the driver and any passengers in their car in the event of an accident, regardless of who is at fault. This means that if you are injured in an auto accident, no matter who is responsible for the accident, your own insurance company will cover your medical bills.

No Fault Insurance In Massachusetts

In Massachusetts, drivers are required to carry PIP insurance under the no-fault system. This means that in the event of an auto accident, your insurance company will cover your medical bills, up to a certain limit. The minimum PIP coverage in Massachusetts is $8,000 per person, with a maximum of $20,000 per accident. This coverage also includes up to three years of lost wages, if you are unable to work due to an accident.

Fault-Based Insurance In Massachusetts

In addition to the PIP insurance required by the state's no-fault system, drivers in Massachusetts are also required to carry liability insurance. This type of insurance covers the costs of damage and injuries caused by an accident that is the fault of the driver. The minimum liability coverage in Massachusetts is $20,000 for property damage and $30,000 for bodily injury per person, with a maximum of $60,000 per accident.

The Cost Of Auto Insurance In Massachusetts

The cost of auto insurance in Massachusetts is affected by the state's no-fault system. The fact that drivers are required to carry PIP insurance means that the cost of auto insurance in the state is likely to be higher than in other states. However, the cost of auto insurance in Massachusetts can vary greatly depending on a variety of factors, including the driver's age, driving record, and the type and amount of coverage they choose.

Conclusion

In conclusion, Massachusetts is a no-fault auto insurance state. This means that drivers in the state are required to carry personal injury protection insurance, as well as the liability insurance required by the state. The cost of auto insurance in Massachusetts is likely to be higher than in other states due to the PIP insurance requirement, but the cost can vary depending on a variety of factors. It is important for drivers in Massachusetts to compare auto insurance quotes from multiple companies in order to find the best coverage for their needs.