Massachusetts Personal Injury Library
Massachusetts Minimum Auto Insurance Coverage
If you are a Massachusetts driver, you may already be familiar with the minimum insurance coverage your state requires. The following information is intended to explain more about minimum insurance coverage laws in Massachusetts and how they work in cases of auto accidents where personal injuries occur.
Insurance Minimums in Massachusetts
Being a driver in Massachusetts comes with certain responsibilities. Following traffic laws and keeping your vehicle maintained and properly registered are some measures that help keep you and other motorists safe.
Another responsibility is to keep your auto insurance current with a policy that meets the minimum coverage required by Massachusetts.
The primary use of auto insurance is to provide protection from losses sustained in auto accidents and against liability that could result from an accident.
Vehicle insurance minimums are set by the state.
Factors for Insurance Minimums by State
State minimums vary due to many factors, including:
- Weather conditions. Harsh or extreme weather contributes to unsafe road conditions and accidents. States that are known for these conditions will usually have higher insurance minimums.
- Car insurance minimums tend to reflect the cost of living in the state.
- Population. Where there are large numbers of people, there are large numbers of cars, and a greater chance of traffic accidents.
In Massachusetts, minimum insurance means:
- At least $20k paid to each injured person
- No more than $40k total for each accident
- An additional $5k for property damage
Subrogation
If you’ve been in a Massachusetts car accident and filed a claim with your insurance company, you may run into an issue referred to as subrogation. Subrogation occurs when an insurance company that has paid its client’s bills following an accident attempts to seek reimbursement from the other party involved in the accident. An insurance company may do this because they feel the other party was responsible for the accident and should bear the burden of the payout.
Whether it’s your insurance company going after the other party involved in your accident, or the other party’s insurance company seeking reimbursement from you directly, working out subrogation can take time. In these instances, you’ll need the help of a Massachusetts personal injury attorney to help protect your rights and interests.
Your Massachusetts personal injury lawyer can help you work through all the issues you face related to your auto accident claim.
If you have been injured in a car crash in Boston or Andover, you should contact a personal injury attorney to learn about your rights and determine liability.
When you are interviewing personal injury attorneys ask critical questions, like: how long have you been practicing; what is the largest settlement or verdict you’ve obtained, and do you have experience with car accident claims?
The Kiley Law Group, a law firm based in Massachusetts, takes time when speaking with you about your case and works with you on a contingent fee basis so there are NO FEES unless our trained personal injury lawyers wins your case.
Call now to schedule a FREE evaluation of your case: 1-888-208-1695.
