• Springfield Insurance Pros Tell You What You Need to Know

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    Liability insurance provides general protection for you and your car. In Massachusetts, there are four types of liability coverage every driver must have. One type covers bodily injury to others and pays the medical expenses for which you are legally responsible if you cause an accident in which another person is hurt.
    Personal injury protection (PIP) covers your reasonable and necessary medical expenses incurred within two years of an accident in addition to funeral expenses and lost earnings, which are paid at the rate of 75 percent of your average weekly wage in the year preceding the accident. Uninsured/underinsured liability insurance covers your expenses if the other driver is unidentified or doesn't have insurance.
    Damage to property is the final type of coverage included in liability insurance protection. It covers damage to another car, building, or any other type of property.
    The required minimum insurance coverage in Massachusetts is $20,000 per person and $40,000 per accident for bodily injury to others; $8,000 per person, per accident for PIP; $20,000 per person and $40,000 per accident for bodily injury caused by an uninsured auto; and $5,000 per accident for damage to someone else’s property.