When you get behind the wheel of a car, you never know what could happen on the road that day. Accidents can occur in seconds and carrying auto insurance is one of the best ways to protect yourself and your passengers. In Massachusetts, all drivers are required by law to have car insurance, and not just one kind – four different types of coverage.
Each form of auto insurance coverage has a different responsibility. Carrying all four is important because if you don’t, you may end up paying out of pocket if you ever do wind up in a car accident.
What forms of coverage are required?
There are four different categories, as listed below, and each has a different minimum:
- Bodily Injury to Others: $20,000 per person and $40,000 per accident
- Personal Injury Protection (PIP): $8,000 per person in an accident
- Bodily injured Caused by an Uninsured Auto: $20,000 per person and $40,000 per accident
- Damage to Someone Else’s Property: $5,000 per accident
PIP is important because it covers you or your passengers no matter who was at fault for the accident. Having coverage for uninsured drivers is also important, because if they cause the accident, they have no way of paying for the injuries and property damage you may incur.
Optional forms of car insurance can include collision, comprehensive, towing and labor, and rental. You also have the ability to purchase higher forms of coverage than those listed above, depending on your needs as a driver.
Car insurance can save you from having to pay thousands of dollars out of pocket. It can also save you the hassle of worrying about whether the other driver has insurance, because you know that you’re already covered.
If you recently got into a car accident and believe you may have an auto insurance claim, please get in touch with our firm right away. Our Worcester car accident lawyers have represented hundreds of clients and may be able to do the same for you.