Massachusetts High Risk Auto Insurance
With only 23 companies licensed by the state to sell insurance for automobiles in Massachusetts, drivers classed as high risk may have to pay more to obtain the state mandated minimum coverage. Some companies one may want to look at for possible quotes for high risk car insurance include Commerce, Encompass, Metropolitan, Plymouth Rock, and State Farm.
Minimum acceptable coverage in the state of Massachusetts includes the following: Bodily Injury Liability of $20,000/$40,000, Property damage liability of $5000, Uninsured Motorist Bodily Injury protection of $20,000/$40,000, and personal injury protection of at least $8000. Massachusetts uses a no fault system, meaning that your insurance will pay your medical expenses up to a certain limit. Your rights to sue under a no fault can be somewhat limited.
Massachusetts does not require drivers to carry separate proof of insurance in their vehicles. Insurers must stamp the registration application in order to obtain vehicle registration in the state. Being caught driving without the minimum required insurance coverage will result in an immediate suspension of one's license. The fees and fines required to get the license reinstated are more than sufficient to erase any possible savings one may have hoped to gain by not maintaining insurance. Even those needing high risk auto insurance will find it to their financial advantage to go ahead and acquire at least the minimum required by the state. More than minimum coverage is generally recommended.