We have listed below several valuable sources
of information to help educate you in obtaining car
insurance in Masachusetts. Included are links to organizations with
helpful guides on topics such as purchasing auto insurance,
filing
claims and more.
Massachusetts Car Insurance Laws
Massachusetts is a No-Fault State, which means that Personal
Injury Protection, PIP, is required. PIP, also known as the
No-Fault benefits pays you and other people injured up to
$8,000 per person no matter who was at fault. This coverage
pays benefits for medical expenses, lost wages and replacement
services that you would have performed had you not been injured.
The Massachusetts auto insurance law requires motorist to
have minimum liability insurance to pay for persons injured
or killed
by your auto
in a car
accident. The minimum liability insurance is 20/40/5: $20,000
for bodily injury to one person; $40,000 for two or more
people; and
you
must
have limits
of at
least
$5,000 for property damage protection. A basic Uninsured
Motorist Protection of $20,000 each person and $40,000 each
accident
must also be purchased. You may want to buy higher limits
for liability and personal injury protection.
Massachusetts car insurance companies also offer optional
insurance coverage of collision, medical payments, comprehensive
coverage and underinsured motorist coverage to protect your
property and expenses.
PO Box 199150
Boston, MA 02119-9150
Phone: 617-351-9213
http://www.state.ma.us/rmv
The Massachusetts DMV website provides
a great deal of information for vehicle owners and driver
to check before visiting the office person. Residents of
Massachusetts
can renew driver's license, renew registration, change address,
order special plates and pay tickets online. A great resource
includes the ability to view branch location wait times online.
New drivers can get information about learner's permits
and
Junior Operator Licenses (JOL). A summary of JOL requirements
and permit information can be downloaded from the website.
One South Station
Boston, MA 02110-2208
Phone: 617-521-7794
http://www.state.ma.us/doi
The Massachusetts department of insurance regulates
the insurance industry for solvency and consumer protection
in
the State
of Massachusetts. Consumers in Massachusetts file a consumer
complaint against an insurance company and get the forms
online.
Consumers guides and brochures can be read online and there
is a different tab for in-depth information for each type
of insurance. For auto insurance, consumers can access a
list
of the registered auto body shops, read ways to save on auto
insurance, view auto insurance policies renewing or what
to
do if you change insurers. The Massachusetts Private Passenger
Automobile Insurance Manual goes into detail about the mandatory
car insurance coverage and limits, optional car insurance
coverage, car registration and more.
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