Massachusetts insurance information
Required Minimum Bodily Injury Coverage
- $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident
Required Minimum Property Damage Coverage
- $5,000 for injury to or destruction of property of others in any one accident
Optional Insurance Coverage
- Uninsured Motorist (UM) Coverage. In Massachusetts, UM coverage includes UIM coverage. If purchased, it must equal the amount of bodily injury liability coverage purchased.
- Personal Injury Protection. Insurance companies must offer personal injury protection benefits that cover the policyholder and the policyholder's passengers for no more than $2,000 in medical expenses, as well as wage loss benefits that amount to 75 percent of weekly wages for actual work loss because of injuries suffered in the accident. Wage loss coverage must be at least $8,000 per person. In Massachusetts, a person covered by PIP insurance can only sue for pain and suffering if that person's medical expenses are in excess of $2,000, or the injuries cause death, the loss of a body member, permanent/serious disfigurement, or loss of sight or hearing.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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