By law, you must purchase four coverages called mandatory (or mandatory) coverages in at least the minimum amounts required by law and in higher amounts if you so choose. Massachusetts is a no-fault state when it comes to auto insurance. What this means is that if you're involved in a car accident, the first place you'll go to recover damages is to your own insurance company. This is true regardless of fault.
If you cannot find an insurance company that is willing to sign you a policy, an insurance company will be assigned to you through the MAIP. It includes how to repair your vehicle in a repair shop of your choice, which your insurance company has not chosen; how to contact insurance regulators if your insurance company does not resolve your claim satisfactorily and how to protect your personal information. Driving without proper auto insurance coverage puts you at risk of financial liability and legal penalties. These would be paid for through driver liability insurance and property damage insurance policies.
Massachusetts car insurance laws require that all drivers have a minimum level of car insurance coverage when driving or parking on public roads. The Massachusetts Auto Insurance Plan (MAIP), sometimes called the Assigned Risk Fund, is a way for drivers to get car insurance if they can't find a company in the voluntary market.