Massachusetts No Fault Auto Insurance

Massachusetts recently stopped setting insurance rates at the state level to allow competition and consumers the ability to shop around. This, however, has had no effect on Massachusetts status as a modified no fault insurance state, one of twelve in America. No fault insurance providers pay for monetary damages up to the policy limit regardless of fault. No fault insurance aims to reduce the number of automobile accident cases in court.

In a pure no fault system policy holders would not be allowed to sue for non monetary damage like emotional distress or pain and suffering. All states use a modified or partial system to allow drivers to sue if serious injury was induced. The threshold for Massachusetts is $2,000. If bills add up to more than this threshold a person can sue.

Auto insurance companies licensed in Massachusetts will automatically report your no fault car insurance coverage to the Massachusetts Department of Motor Vehicles (DMV). Massachusetts insurance companies must also report cancelled or dropped no fault auto insurance to the DMV to ensure that all cars in the state are in compliance with the law.

Massachusetts no fault insurance law requires four types of coverage, bodily injury, physical damage, personal injury, uninsured motorist. Personal injury protection of PIP is one of the defining characteristics of a no fault insurance policy. All states require similar coverage, but in different amounts.

Helpful Massachusetts No Fault Auto Insurance Links:

Massachusetts Auto Insurance Quotes

Free Massachusetts auto insurance quote links are made available to you below. To get a free auto insurance quote in Massachusetts, click GO beside one of the auto insurance companies in the list below. Follow the instructions on how to get your free no obligation quote and if you like your quote, how to buy your Massachusetts auto insurance online.

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