In Massachusetts, drivers must have the following insurance coverages:
Personal Injury Protection
Also known as PIP insurance, this coverage covers medical expenses, 75% of lost wages, and replacement services of up to $8000.
Bodily Injuries to Others
This coverage protects you or anyone else you allow to drive your car from legal responsibility if you accidentally injure or cause the death of another person while driving your car. However, this only applies if the accident occurs in Massachusetts but won't cover the death or injury of a passenger in your car.
Bodily Injury Caused by an Uninsured Driver
This insurance coverage protects you, anyone you allow to drive your car, passengers, and household members not covered under another similar policy in the state against damages caused by an uninsured or unidentified driver.
Property Damage
Property damage insurance covers damages caused to another person's property when you, another driver you allow to drive your car or a household member, cause damage to another person's property while driving the insured car.