In Massachusetts, all household members with a driver's license must be listed on all household car insurance policies, even if they don't drive your car. Car insurance generally includes cars in Massachusetts. The types of car insurance that follow the car in Massachusetts are collision, comprehensive, and property damage liability. You should have liability protection for property damage and personal injury in Massachusetts.
The PIP follows the driver, unlike liability coverage. If someone else drives your car and has an accident, your car insurance will likely cover any resulting damage. Massachusetts car insurance laws require that all drivers have a minimum level of car insurance coverage when driving or parking on public roads. It's always a risk to lend your car to someone else, because you could definitely end up filing a claim with your own insurance in Massachusetts.
If they cause damage in that situation, their insurance policy would be the main coverage, while yours would be the secondary coverage, as long as you can show that you didn't give them permission to use your car. As a result, a car with a high theft rate could cost more to insure than an expensive car with a low theft rate. Car insurance typically follows the car instead of the driver, so the car owner's insurance will cover the accident, even if someone else is driving. You can choose to leave someone out of your insurance because they're a high-risk driver and it's expensive to insure them, such as a new driver with multiple speeding tickets or someone with a history of driving under the influence of alcohol on their driving record.
However, the responsibility may fall on the friend who keeps your car if they have their own car insurance. Driving without proper auto insurance coverage puts you at risk of financial liability and legal penalties. There is so much insurance information circulating on the Internet and offline that it has become quite difficult to figure out what is true and what is false about car insurance in Massachusetts. At the end of the day, one of the best things you can do is consider adding people to your insurance if they use your car regularly.
Each type of insurance coverage has a limit, which means that the insurance company will not pay more than this amount for a claim. For example, if you're involved in an accident, your insurance provider can pay for car repairs if you have accident coverage. You agree to pay the cost of the insurance policy, called the premium, and to obey the rules established by the insurance company. In most situations, driver's insurance plays an important role regardless of the car you're driving and who caused the accident.