Massachusetts Liability Insurance Coverage

Massachusetts Liability Insurance Coverage

The Massachusetts Personal Auto Policy has minimum requirements. Auto insurance minimum liability limits are available to all registered and insured drivers. Massachusetts Liability Insurance Coverage is required by law.

Commerce Insurance, Hanover Insurance, and Plymouth Rock Assurance have great rates for this type of insurance – call our office today to get your Commerce Car Insurance Quote.

The Massachusetts Auto policy has 12 Parts – by law you must have Parts 1 – 4

Part 1 – Bodily Injury to Others – This offers protection of $20,000 per person and $40,000 per accident. This is bodily injury to others in Massachusetts.

Part 2 -Personal Injury Protection – This offers up to $8000 of personal injury protection for medical or funeral expenses as the result of an accident.

Part 3 – Bodily Injury by an Uninsured Motorist – This offers protection of $20,000 per person and $40,000 per accident for bodily injury caused by an uninsured motorist.

Part 4 – Property Damage – This offers protection of $5000 towards the other person’s car – not yours.

These are the required minimum limits coverage in Massachusetts.

It Does Not Cover Your Car

It also does not cover passengers in your car (Part 5)

It is important for you to understand auto insurance minimum liability limits cover. If this is the insurance protection you are purchasing just know what you are getting and even more importantly what you are not getting.

Massachusetts Liability Insurance Coverage

Be sure to ask your agent exactly what type of coverage you are getting. The minimum requirements as set by law represent the least expensive option but you must understand what you are purchasing. Don’t wait to have a claim before you know your insurance overages!

Good luck! Any questions please call my office

Indian Orchard (413) 543-3800 – Forest Park (413) 781-3800