New to Massachusetts? What You Need to Know About Your Auto Insurance

In order to register a car in Massachusetts, you must have automobile insurance. By law, you must purchase four coverages called Compulsory (or Mandatory) Coverages in, at least, minimum amounts required by law, and in higher amounts if you choose to do so. You may also buy a variety of optional coverages to suit your needs. If you have any questions, contact our office at 413.475.7283 or Complete our online quote form today!

Compulsory Coverage

There are four insurance coverages that are compulsory in Massachusetts:

Bodily Injury to Others protects you, or someone you allow to drive your car, from legal liability if you accidentally injure or cause the death of someone else while operating your car. It only covers losses if the accident occurs in Massachusetts and does not cover the injury or death of a passenger in your car. You must buy at least $20,000 per person and $40,000 if more than one person is hurt.
Personal Injury Protection (also known as PIP) covers medical expenses, up to 75% of lost wages and replacement services up to a limit of $8,000. Massachusetts is a no-fault state which means no matter who causes the accident, PIP will pay these expenses for you or anyone you let drive your car, anyone living in your household, passengers in your vehicle and pedestrians.
Bodily Injury Caused by Uninsured Auto protects you, anyone you let drive your car, and household members and passengers (who are not covered under another similar Massachusetts policy) against loses caused by an uninsured or unidentified (“hit and run”) driver. You must buy at least $20,000 per person and $40,000 total for all people injured by the uninsured auto in the accident.
Damage to Someone Else’s Property, also known as Property Damage, pays for damage to another person’s property when you, a household member or another driver you allow to use your car cause accidental damage to another person’s property. You must purchase a policy that has a minimum limit of $5,000.

Once you have decided what coverage you need, the next step is to obtain information about the cost of that insurance, including the premium, the reductions that insurers offer from the standard premium, and particular provisions in an insurance company’s policy.

Before making phone calls or visiting insurer websites for a quote, pull together all of the information you need to get an accurate quote. Always ask for the same coverage levels for each quote so you can make an apples-to-apples comparison.

At Encharter Insurance, your road safety is very important to us. Call us at (855) 899-0305or visit our website at https://encharter.com/personal-insurance/auto-insurance/ to discuss your auto insurance needs. We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs!