Guidelines in Purchasing Auto Insurance in Massachusetts

As in any other state in the country, obtaining an auto insurance policy is a requirement for all licensed drivers and automobile owners in Massachusetts. More importantly, there are several coverage that the state requires to be included in the policy. Foremost of which would be coverage for bodily injuries to other parties involved in the accident. The minimum limits for these coverage is $20,000 per person and $40,000 for total personal injuries per accident. If the other person sustained heavy injuries or dies in an accident, the at-fault party may be sued for amounts higher than the set limits. Consequently, most auto insurance policyholders in the state opt to purchase coverage with higher amounts of liability, to be able to protect them from large financial obligations. Another required coverage for auto insurance in Massachusetts is personal injury protection (PIP). This coverage addresses the expenses incurred by the policyholder, members of his household, and passengers after an accident. The state limit is $8,000 for medical expenses and 75% of lost wages. For motorists who also have health insurance, PIP will address any claims made for expenses not paid by the health insurance provider.

The state of Massachusetts also requires all auto insurance policies offered in its state to provide coverage for bodily injury caused by an uninsured motorist. The minimum limits for these injuries are $20,000 per person and $40,000 for total injuries per accident. In addition, there is also a required coverage for damage caused on other people’s property, the minimum limit of which is set at $5,000. As in the case of coverage for personal injuries, most policyholders often opt to purchase coverage with higher amounts of liability. Other coverage available to policyholders address the cost of obtaining substitute transportation while vehicles are under repair, coverage for towing and labor, comprehensive coverage, and collision coverage which pays for damages on the policyholder’s car, regardless if the policyholder was identified to be at-fault or not.

Though insurance providers are mandated by the state not to discriminate when it comes to approving any auto insurance application, there are instances when they are also allowed to deny an application for collision coverage, such as when the applicant has been convicted of DUI, auto related fraud, or vehicular homicide for the last 5 years. Comprehensive coverage can also be denied if the policyholder was determined to have made some misrepresentation on his claims or was convicted of auto theft within the last 5 years. This type of coverage can also be denied if the car insured is classified as a high theft car or has no anti-theft device installed.

There are also some ways in which policyholders can incur savings when it comes to their auto insurance policies in Massachusetts. If the policyholder and his family have a medical or disability income plan, then he can claim for deductible in his PIP coverage. Some insurance agents may even advise not to include collision and comprehensive coverage for automobiles that are of older models and are considered to be of low value. Installing anti-theft devices and other safety features also allow policyholders to obtain discounts from their insurance providers and those who practice carpooling may even be eligible for discounts as well. Those who have undergone driver training or is a good student driver may also avail of some discounts offered by the provider. Know that the amount of these discounts vary from one insurance provider to another, determined by eligibility requirements the company develops and implemented on their own. However, if the principal operator of the vehicle is 65 years or older, the state mandates a 25% discount for them.

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