Bodily injury caused by an uninsured car It covers medical bills and vehicle repairs if your car is hit by a driver who doesn't have any liability insurance. Learn more about when to cancel optional coverage and penalties for driving without insurance in Massachusetts to make sure you're paying for the coverage you need. You can easily get a quote from major companies such as State Farm, Geico, Allstate, Amica Mutual and The Hanover online or over the phone, or use WalletHub's comparison tools to find the best auto insurance policy for your needs. Massachusetts is a no-fault state, meaning that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident.
Your car insurance policy must include all licensed drivers who live in your home and who are related to you by blood, marriage, or adoption, including drivers who are already covered by their own insurance policies. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, thefts, vandalism, or animals. You agree to pay the cost of the insurance policy, called the premium, and to obey the rules established by the insurance company. Lenders often require collision and comprehensive insurance, in addition to the insurance you must have under Massachusetts law to finance a car.
Other types of auto insurance you can take out in Massachusetts include rental reimbursement coverage, classic car insurance, insurance for non-homeowners, and supplemental insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver's expenses. The best auto insurance companies in Massachusetts balance affordability with quality coverage and strong customer service. Collision insurance covers repair or replacement costs if you have an accident, hit an object, or roll over your car.
Each type of insurance coverage has a limit, which means that the insurance company will not pay more than this amount for a claim. The types of auto insurance that are required in Massachusetts include liability insurance, personal injury protection, and coverage for uninsured motorists.