Auto Insurance in Massachusetts

Policies for auto insurance in Massachusetts have four different kinds of coverage. The first protects you for accidents that you cause. Bodily liability pays for injuries to the other driver and your legal costs if you're sued. Property liability covers damage you cause to the driver's car or other property. To get adequate protection you should carry at least $50,000 liability for property damage and $100,000 per person for bodily liability.

The second kind of coverage that auto insurance in Massachusetts provides, is for paying your medical bills from an accident. Depending on any medical or health plan you have, you may already carry sufficient coverage. But Massachusetts law requires that you carry some medical coverage and it does also pay for your passengers' injuries.

Auto insurance in Massachusetts will also cover you for accidents caused by an uninsured or underinsured driver. It will pay expenses not paid for by the other driver. The coverage is required by law and it's recommended that you carry at least $50,000 worth of protection.

The fourth type of protection provided by auto insurance in Massachusetts covers damage to your car. Collision coverage pays for repairs or replacement when you're in an accident and comprehensive is for all other non-driving situations. It's smart to have a deductible of $500 or $1000 as this saves money over the life of the policy.