Car Insurance Coverage In Massachusetts
Whether you're new to the Commonwealth or just looking to switch to GEICO, there are many Massachusetts auto insurance coverage options that you'll want to consider.
Keep these facts in mind as you get a car insurance quote with GEICO:
- According to Mass DOT (Massachusetts Department of Transportation), it is illegal to drive a car in Massachusetts without at least the minimum amount of liability coverage required by law.
- You should keep your MA proof of insurance card in your car at all times—you may need it if you're stopped by a police officer.
- If you have just moved to Massachusetts, it's important to contact us so we can ensure that you have enough coverage. You should also register your car in Massachusetts as soon as possible.
Learn More About Massachusetts Required Coverage
While some types of coverage are required, you may choose to reject others. The Commonwealth of Massachusetts requires the following car insurance coverage for the legal operation of a motor vehicle:
- Bodily Injury Liability Coverage: Minimum legal requirement $20,000 / $40,000
- Property Damage Liability Coverage: Minimum legal requirement $5,000
- Uninsured Motorist Bodily Injury Coverage: Minimum legal requirement $20,000 / $40,000
- Personal Injury Protection: Minimum legal requirement $8,000
There are two types of Personal Injury Protection in Massachusetts.
- Policyholder only: This option covers only the people named as policyholders (for example, yourself and your coinsured spouse)
- Household: This option covers yourself and any additional household members
Additional Coverage Options In Massachusetts
If you need full coverage on your vehicle in MA, your policy will include comprehensive and collision coverage. There are a few specific things about collision coverage in Massachusetts that you may need to know.
What is the difference between standard collision and limited collision?
In the event of a collision in which your vehicle is damaged, standard collision can be used to repair your vehicle regardless of who is at fault. Limited collision differs in that it can only be used if you are found to be less than 50% at fault in an accident. If you are considering limited collision, you should discuss the coverage with a licensed GEICO agent to ensure that limited collision coverage is right for you.
What is a collision deductible waiver?
Massachusetts residents who carry collision also have the option to carry the collision deductible waiver. With this, you will not need to pay your collision deductible under certain circumstances when you are less than 50% at fault in a collision.
Massachusetts Teen Driver Laws
In Massachusetts, teen drivers must be at least sixteen years of age to obtain a learner's permit. New drivers under the age of 18 must take a driver's training course. During the first six months after obtaining a learner's license, the driver must record at least 40 hours of driving time before he or she is eligible for a restricted license.
The restricted license in Massachusetts requires that the teen driver operate the vehicle with no passengers under the age of 18, and the teen cannot drive between the hours of 12:30 AM and 5:00 AM unless accompanied by a parent or guardian. The passenger restriction expires after six months, while the nighttime restriction expires only after receiving a full driver's license.
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Source: http://docphy.com/business-industry/personal-finance/insurance/massachusetts-car-insurance-2.html
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