Posts Tagged ‘Massachusetts Auto Insurance’

Is Massachusetts a No-fault Car Insurance State

Tuesday, May 31st, 2011

Massachusetts has adopted a no-fault system for car insurance customers. When someone is injured in an accident, the claim for medical expenses is paid by the driver`s own car insurance company, up to a certain limit. People who have been injured in a car accident have the right to sue to collect damages only if their injuries are higher than the threshold set by the state.

All drivers in MA must have Personal Injury Protection (PIP) coverage in place. This part of the insurance policy is what pays for the medical bills incurred by the policyholder and his or her passengers  when an accident occurs. At least $8,000 in PIP must be put in place to comply with state laws.

State law also requires car insurance buyers to buy uninsured and underinsured motorist coverage. Uninsured motorist protection is used to pay for damages over the state threshold when the at-fault driver does not have coverage. The minimum level of this type of insurance required by law is $20,000 to pay for a single accident victim`s injuries and $40,000 to pay for all damages stemming from the same accident.

Underinsured motorist coverage comes into play when the at-fault driver has coverage but does not have enough protection in place to pay for the damages he or she caused. The minimum amount of this type of coverage is the same as for uninsured motorist insurance.

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Posted in Massachusetts, USA |

Massachusetts Car Insurance Minimum Requirements

Sunday, May 15th, 2011

Under state law, Massachusetts car insurance buyers must have at least a minimum level of coverage in place. Even though MA is a no-fault state for car insurance purposes, drivers must have have third party liability coverage in place.

When an accident occurs, injured people make injury-related claims to their own insurance company, which will cover medical bills and lost income up to a certain limit. If the level of damages meets a certain threshold, an accident victim has the right to sue to collect damages. For that reason, at least $20,000 in bodily injury liability protection to pay for the injuries and damages incurred by a single accident victim and $40,000 to pay for damages incurred by all victims of the same accident.

At least $5,000 in property damage liability coverage must also be bought. This coverage is used to pay for the cost of repairs to the other driver’s vehicle, as well as any public property damaged or destroyed in the accident, such as mail boxes, light stands and guard rails.

Personal Injury Protection (PIP) coverage is used to protect a driver and the passengers in his or her vehicle. At least $8,000 must be put in place for this purpose.

Uninsured/underinsured motorist coverage is also required in MA. At least $20,000 in coverage must be purchased to cover one accident victim and $40,000 to pay for damages sustained by all occupants of the vehicle must be added to a policy.

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Posted in Massachusetts, USA |

Get Best Rates with Free Massachusetts Auto Insurance Quotes

Saturday, April 23rd, 2011

If you are looking for the best rates on your Massachusetts auto insurance coverage, make a point of checking out free quotes. Many providers offer pricing information at no charge as a service to prospective buyers. By comparing rates from different providers, consumers can find the company that can provide them with the best rates for the coverage they need.

Finding free MA auto insurance quotes is a relatively simple matter. One approach is to visit individual company web sites to gather information about different companies and the type of coverage that they offer. A detailed review of the web site will reveal how long the company has been in business, the number of policyholders that it serves and the level of financial reserves that it has in place to pay out on claims that they make.

Once a buyer finds a web site that he or she feels would be a good fit, getting a quote for coverage usually involves filling out an online form. The insurance company will likely ask a few questions about how long the applicant has been licensed and whether he or she has been involved in any accidents or accumulated any moving violations over the past few years. The insurance company will also ask where the car will be garaged before generating pricing information.

The second approach to getting free quotes for MA auto insurance coverage is to visit a web site that can generate quotes from several companies at once. This second approach is the faster way to get this valuable information.

 

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Posted in Free Car Insurance Quote, Massachusetts, USA |

Save Money with Massachusetts Online Auto Insurance Quotes

Saturday, April 2nd, 2011

Massachusetts drivers who want to find the lowest rates on their coverage should make a point of checking out online auto insurance quotes. Many insurance providers have set up web sites, and these act as virtual business cards to attract customers.

A person who wants to find out whether he or she is overpaying for auto insurance coverage can visit individual web sites to learn about the products that different companies have to offer. Once a customer finds a company that he or she is interested in, getting an online quote for auto insurance coverage is a very simple process. The prospective customer will be asked to fill out an online form and answer a few questions. The insurance company will want to find out where the car will be garaged, how long the applicant has been licensed and whether the driver has been involved in any accidents in the past few years.

Another option for consumers who want to find the best rates for their Massachusetts auto insurance coverage is to visit a web site that can generate quotes from several companies at once. This is the fastest way to get pricing information, and it’s a great choice for customers who know how much coverage they want to buy, as well as what type of protection they need.

By comparing rates from a number of companies, a consumer can find the coverage that he or she needs at an affordable price.

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Posted in Massachusetts, Online Car Insurance Quote, USA |

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