{"id":20833,"date":"2025-09-22T11:45:00","date_gmt":"2025-09-22T15:45:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=20833"},"modified":"2025-12-11T11:43:53","modified_gmt":"2025-12-11T16:43:53","slug":"understanding-auto-insurance-coverage-in-massachusetts","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/understanding-auto-insurance-coverage-in-massachusetts","title":{"rendered":"Understanding auto insurance coverage in Massachusetts"},"content":{"rendered":"\n

At Plymouth Rock, we do more than just help drivers get car insurance. Anybody can do that. We want to help you pick the right policy with the right coverage so you can feel comfortable that you and your loved ones are protected moving forward.<\/p>\n\n\n\n

Part of the way that we do that involves helping people understand car insurance in Massachusetts in the first place \u2013 how it works, what it does and, more importantly, what it doesn\u2019t do.<\/p>\n\n\n\n

This information provides general descriptions of basic auto insurance concepts. It\u2019s not intended to describe every condition and exclusion of the insurance policy. You should consult with your Plymouth Rock agent about your particular needs and remember that actual coverage is governed by the insurance policy as issued.<\/p>\n\n\n\n

Understanding your auto insurance limits<\/h2>\n\n\n\n

The terms \u201cauto insurance limits\u201d and \u201ccoverage limits\u201d refer to the maximum amount an insurer will pay in the event of a loss that is covered under your policy. The higher your limits are, the more the insurer will pay and the less you\u2019ll pay in the event of an accident \u2013 but the more your policy will cost. Carrying lower limits can reduce your premium payments but it also comes with the risk that you will be responsible for higher out-of-pocket costs in the event of an accident.<\/p>\n\n\n\n

Don\u2019t worry \u2013 it\u2019s not as complicated as it sounds. Balancing financial risk and the cost of your policy is a personal decision, and it\u2019s one that should be based on your own unique needs. Think about the value of your car and the amount that you\u2019re comfortable spending in the event of an accident or even a total loss. Also consider your ability to pay for medical expenses for yourself or another party if you are so unfortunate as to be involved in an accident that causes injuries. If you have any questions, the passionate experts at Plymouth Rock would love the opportunity to discuss your particular needs.<\/p>\n\n\n\n

When people talk about coverage<\/a> limits, they normally are referring to the \u201cper person\u201d and \u201cper accident\u201d limits for bodily injury liability coverage, as well as the property damage liability limit. Massachusetts law requires that you carry Bodily Injury Liability limits of at least $20,000 per-person and $40,000 per-accident and Property Damage Liability coverage of at least $5,000. You must also carry coverage of at least $20,000 per-person and $40,000 per-accident for Bodily Injury Caused by an Uninsured Auto. You must carry $8,000 of PIP coverage. An important note: the state-required minimum Bodily Injury Liability coverage pays only for accidents that occur in Massachusetts. To ensure that you have coverage outside of Massachusetts for bodily injury liability you need to buy additional optional coverage.<\/p>\n\n\n\n

Here is some basic information regarding those coverage limits:<\/p>\n\n\n\n