Getting auto insurance is essential these days, be it for a car, truck, or a motorcycle. This vital document is a must while buying or leasing an automobile. Vehicle registration always depends on the insurance policy that you end up getting for your vehicle. An insurance policy is a big deal, and your license can be taken away if you default on the payment.

The coverage provided by auto insurance will vary depending on where you live. Massachusetts has a law that states the minimum auto insurance that all drivers should have and buy. You can also increase your coverage by selecting higher limits if you wish to do so. From Boston to Cape Cod and from Berkshire Mountains to the Charles River, there are roughly 4.6 million licensed drivers in Massachusetts who drive around 8,300 miles per year. Drivers know that many accidents happen on a daily basis, and it is always safe to have auto insurance. Massachusetts is a no-fault state when it comes to auto insurance. Hence, your insurance company will pay injury claims as per the limits set beforehand irrespective of who caused the accident. Let us look at Massachusetts’ laws and policies regarding auto insurance.

• Bodily injury liability: This type of insurance covers the expenses related to injuries and death of any pedestrian, driver or the person who is at fault. There is a limit of $20,000 per person and $40,000 per accident.
• Property damage liability: This auto insurance policy covers all expenses for damages you cause to another person’s car. The limit to this coverage is $5,000.
• Uninsured motorist: If the other driver is at fault and does not have insurance, but you are injured in the accident, then you are fully covered. The limit ranges from $20,000 per person to $40,000.
• Underinsured motorist: This insurance policy helps you cover all medical expenses if the other driver does not have any insurance, and you suffer from a grave injury. The best part of this insurance is that there is no limit mentioned.
• Personal injury protection: If the driver and passengers have been hurt in an accident, this insurance will help cover all your medical expenses, including funeral expenses. This policy has a limit of $8,000 per person and per accident.
• Collision: This auto insurance policy covers replacement and repair of a vehicle that is damaged in an accident. There is no minimum limit.
• Comprehensive: This type of insurance covers you if your vehicle is stolen or damaged by natural disasters or vandalism. Most people will choose an auto insurance coverage that is higher than the minimum coverage stated to protect themselves during accidents.