Massachusetts was the first state to require drivers purchase auto liability insurance in 1927. Each state has it’s own minimum requirements for car insurance coverage, and Nissan dealerships of Boston cannot let you drive your new or used car off the lot unless you can prove you have the minimum car insurance. The following is the minimum requirements for drivers in Boston, Worcester, Springfield and all other areas of Massachusetts, but you may also decide to increase your limits to have additional coverage in the event of an accident:
Massachusetts car insurance minimums are 20/40/5, with $8,000 in no-fault insurance required. This means:
$20,000 Bodily Injury Liability:
Each driver is insured for a minimum of $20,000 in bodily injury protection. If you get injured and need medical care while driving your Nissan, you have $20,000 in medical coverage provided by your car insurance. Some drivers increase this limit because while $20,000 seems like a lot of money – severe accidents will quickly use this up in the hospital.
$40,000 Bodily Injury Liability Per Accident:
In Massachusetts you must be covered for at least $40,000 for bodily injury liability to provide medical coverage to the passengers in your car.
$5,000 Property Damage Liability Per Accident:
If you crash your car into a street light, mailbox or other property, you need to carry at least $5,000 in property damage liability on your Massachusetts car insurance.
$8,000 No-Fault Insurance
In addition to the limits above, Massachusetts requires “no-fault” car insurance, sometimes called personal injury protection, or PIP. Your policy is responsible for paying your injuries and those of your passengers no matter who caused the car accident. This is intended to keep insurance fraud down.