Massachusetts insurance Laws
No-fault state: Massachusetts may be a no-fault state, therefore in spite of WHO causes Associate in Nursing accident, you switch initial to your own personal injury protection (PIP) coverage. Minimum limits ar $8,000 and canopy things like medical expenses, replacement services and seventy fifth of lost wages.Unique terminology: Massachusetts insurers generally talk over with bodily injury liability coverage as "bodily injury to others" and uninsurable automobilist as "bodily injury caused by uninsurable car."
Credit not a rating factor: Credit information is prohibited from being used for underwriting or rating purposes by Massachusetts car insurance companies. Most other states allow the practice.
Safe Driver Insurance Plan (SDIP): The SDIP establishes classifications of risks and thus outlines what insurers should surcharge drivers for. Read up on it, and how to appeal a surcharge, on the RMV website.
Proof of insurance: Massachusetts requires insurance to register a car, so an up-to-date sticker on your license plate or copy of your registration form may be adequate proof of coverage when stopped by a Massachusetts law enforcement officer. Make sure you request a hard copy of your insurance card, though, in case you travel.
