Drivers in Massachusetts must acquire two forms of liability car insurance coverage. These forms of coverage include bodily injury liability as well as property damage liability. If a driver in Massachusetts causes an accident resulting in bodily injury to someone else that was involved in the accident, bodily injury liability insurance will protect the driver from a variety of different claims. Claims covered with this insurance may include medical expenses, lost wages, and pain and suffering. Property damage liability insurance, however, will pay for the costs associated with damage to property resulting from the accident. This coverage may include the cost associated with a damaged vehicle or with other items that were damaged from the accident.
In order to help drivers reduce the cost of their insurance premium, Massachusetts offers the Safe Driver Insurance Plan, or SDIP. With this plan drivers that follow traffic rules and have no accidents are rewarded with lower insurance premiums. In order to determine this reward, the SDIP program utilizes a points system.
In Massachusetts, the minimum liability coverage that a driver must have is 20/40/05. In accordance with these minimum liability guidelines, the minimum bodily injury coverage that driver in Massachusetts must have is $20,000 per person. Drivers must also carry a minimum o $40,000 of bodily injury insurance per accident.
Bodily Injury Liability insurance, which is known as BI for short, is used to cover the insured driver when he or she causes an accident to occur. This insurance covers the costs that are associated with the injury or the death of anther other driver involved with the accident. This insurance also covers the costs associated with the injury or death of any passengers in either vehicle as well as the injury or death of pedestrians involved in the accident.
Massachusetts drivers are also required to carry a minimum of $5,000 per accident in Property Damage insurance. This insurance, which is referred to as PD or short, covers the costs that are associated with repairing or replacing property that has been damaged by the insured driver. Massachusetts drivers also must carry $40,000 in coverage for bodily injury of underinsured motorists per accident and $20,000 of coverage per person..
Several different factors are used to determine auto insurance rates in Massachusetts. The first consideration is the cost of insuring the state as a whole. With this figure, auto insurance companies are then able to determine the average rate per driver. The average rate is then affected by the individual differences of the drivers, such as the driver’s age, where the driver lives, and the driving record of the driver.
In order for a driver in Massachusetts to register a vehicle in the state, the driver must present proof of insurance. The driver can demonstrate proof in a variety of different ways. First, he or she may show a temporary insurance card, which is issued by the insurer. The driver may also use his or her premium receipt or the insurance binder provided by the insurance agent as proof of coverage..
The current declarations page of the driver’s insurance policy may also be used as proof of insurance coverage. Or, the driver may use the actual insurance policy as proof as well as a certificate of liability insurance policy that has been issued by either an authorized agent or by the insurer.