Massachusetts Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $5,000 for injury to or destruction of property of others in any one accident

Personal Injury Protection (PIP)

• PIP covers up to $8,000 in medical and work loss expenses, without regard to fault. The type of medical insurance you have will determine the amount of medical expense benefits paid out by PIP. PIP is a no-fault statute. Therefore, an injured person can only sue for pain and suffering if that person’s medical expenses are in excess of $2,000, or if the injuries caused death, the loss of a body member, permanent/serious disfigurement, loss of sight or hearing, or a fracture.

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. In Massachusetts, UM coverage includes underinsured motorist (UIM) coverage. If purchased, it must be at least the amount of bodily injury liability coverage required.
• Special Rules for Motorcyclists. Motorcycle operators and passengers are excluded from PIP coverage.