Skip to main content

Are You Getting the Auto Insurance Coverage You Need?

Auto insurance coverage is arguably the most essential personal insurance policy a consumer can obtain. Not only is this coverage a good idea, it is mandatory in every state except New Hampshire. The right auto insurance policy can help protect motorists and their property, should any damages occur from a collision. The state of Massachusetts requires that drivers obtain four minimum coverages with varying limits in order to legally register and operate their vehicles.

Bodily Injury Protection: Designed to help compensate the victims of an accident for any injuries they have sustained and payment for medical treatment should a driver be liable for an accident. The required minimums are $20,000 per person and $40,000 per accident.

Personal Injury Protection (PIP): Helps pay for any injuries obtained by drivers and their passengers during a car accident, regardless of which driver is found to be at fault for the accident. The state requires that Massachusetts residents carry at least $8,000 per person coverage.

Bodily Injury Caused: Also designed to mitigate medical expenses in the event that a driver of an at-fault vehicle does not have the proper insurance. The state requires that motorists hold $20,000 per person and a minimum of $40,000 per accident.

Property Damage: Coverage regulations demand that motorists hold $5,000 per accident to facilitate any repairs or replacement of property necessary as a result of an accident.

Most state mandated laws are designed to protect others that you may unintentionally cause harm to on the road. However, the insurance coverage you have will protect you from being held personally financially responsible for any losses.

To ensure that your vehicle is fully protected beyond what the state requires, there are a variety of additional coverage options available to consumers, such as collision coverage and comprehensive auto. To learn more about the auto insurance coverages we offer as well as our other personal lines insurance policies, please contact Metro Boston Insurance Agency today at 617-884-5480.
Ready to Request a Free Quote? GET STARTED TODAY