Having insurance in Massachusetts is a legal requirement in order for an individual to legally operate a vehicle within the state. While the extent of one’s coverage may vary, in Massachusetts individuals are required to carry four types of compulsory auto insurance with their own minimum requirements. The types of auto insurance are Bodily Injury to Others, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, and Damage to Someone Else’s Property.
- Bodily Injury to Others: The minimum requirement in Massachusetts for Bodily Injury to Others is $20,000 per person/ $40,000 per accident. This type of insurance gives an individual protection against legal liability for the accidental injury or death of others caused by the operation of your car. This is only applicable to accidents that occur in Massachusetts. While this protects an individual from legal liability to individuals involved in an accident, the protections do not extend to your passengers.