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Massachusetts has a financial responsibility law. It requires that
anyone driving a motor vehicle must satisfy the state's financial responsibility
limits. Under the financial responsibility law, 'liability policy' means an
owner or operator's policy of liability insurance is certified as proof of financial
responsibility and issued by an massachusetts auto insurance carrier authorized to conduct business
in that state. Massachusetts is not a no-fault state.
The average massachusetts auto insurance premium is $1,134 in 2003; the national average was at $914. Since most people think these massachusetts auto insurance rates are fixed by state and massachusetts car insurance companies, they never shop around for better massachusetts car insurance quotes. Our site helps you find the cheapest massachusetts automobile insurance rates and discounted prices available in Massachusetts, so people can get a better-than-average low massachusetts auto insurance rate.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. It does however apply in an accident for
which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, Massachusetts requires a minimum of 20/40/5 liability coverage. The first number is the amount that massachusetts auto insurance will cover for any one person ($20,000). The second number is the total amount massachusetts auto insurance will
pay for all persons injured in an accident ($40,000).
Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (20/40/5) tells you how much your massachusetts auto insurance will cover for property damage
in any one accident.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. UIM coverage is not required under Massachusetts auto insurance law.
The Safe Driver Insurance Plan (SDIP) is a program mandated by Massachusetts auto insurance law that encourages safe driving by rewarding drivers who do not cause accidents and by ensuring that high-risk drivers pay a greater share of massachusetts auto insurance costs. Under the SDIP provision of Massachusetts auto insurance law, your massachusetts auto insurance premium is determined to a large extent by your driving record. If you are a safe driver and keep your driving record clean, your massachusetts auto insurance premium may go down. However, if you are convicted of criminal or civil motor vehicle violations, or if you are found to be at fault in an accident, your massachusetts auto insurance premium will increase.
Massachusetts car insurance rates change over the years, if you are not careful you could end up paying too much for your massachusetts auto insurance premium. Looking back, the average massachusetts auto insurance premium in 2000 was about $1,029, an increase of about 10.2% in just 3 years!
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