What Is A Deferred Driver On An Auto Insurance In Massachusetts

Like any other insurance, auto insurance also tends to protect the individual or cover any financial loss,  which may occur while operating a motor vehicle. Insurance premiums may be costly, but avoiding auto insurance will land you in deep trouble and you may have to spend a lot and by that time you will feel that paying for auto insurance is far better. Let us see the auto insurance facilities in Massachusetts in the forthcoming paragraphs.


Massachusetts Auto Insurance Laws:

Massachusetts auto insurance laws say that every driver of a vehicle require a valid auto insurance on hand before registering your vehicle or before you take up the wheels on the roads. This law is there to protect all residents of Massachusetts and therefore, the drivers are held responsible for any injuries caused by them in accidents to them or others. Auto insurance Massachusetts laws mandates auto insurance providers to cover your own medical expenses irrespective of the fault. Auto insurance coverage liability limits as per the local law are as follows.

  • Bodily Injury:                        $20,000 per person/$40,000 per accident
  • Property Damage:                  $5000 per accident
  • Personal Injury Protection:    $8000 per accident
  • Uninsured/underinsured)
  • Motorist Bodily Injury     )    $20,000 per person/$40,000 per accident

Auto Insurance In Massachusetts
Auto Insurance In Massachusetts

Your Massachusetts auto insurance policy must always carry the above four liabilities without fail.

Bodily injury liability will pay 20/40 per person/per accident and the maximum limit is $20,000 per injured person and $40,000 per accident irrespective of the number of persons injured. If the expenses exceed the coverage limits, you will have to bear the excess from your own pocket.

Similarly property damage liability will pay $5000 for every accident that involves damage of properties. The damaged property may be your opponent driver’s car or private or public properties. Your insurer will pay not more than $5000 for all the damages done and if the costs exceed the coverage limit, you are responsible for the excess damage costs.

Personal injury protection will cover your own medical expenses if you or your family members are injured in an auto accident. Without looking for who causes the accident,  a maximum of $8000 will be spent by the insurer. As an additional benefit you may receive 75% of your lost income (up to $8000 limit) if you are out of work due to injuries. A chosen deductible may reduce your auto insurance PIP premiums.

When you are hurt in an accident to which an underinsured or uninsured driver is responsible,  you will be covered by the insurer under uninsured/underinsured motorist coverage. The limits of coverage is the same as prescribed for bodily injury liability.

Alternative Proof for Liability Insurance:

Even though liability insurance is the cheapest auto insurance quotes you can purchase, there are two other alternative ways to prove your financial responsibility.

You can have a surety bond worth for $20,000 per person injured in an accident and $40,000 per accident and a $5000 property damage expense coverage per accident. This will fulfil your liability insurance needs. The surety company which issues the surety bond must be a licensed one by Massachusetts State.

You can make liability deposit to the worth of $10,000 with the State treasurer either in cash or in securities. Whenever, a judgements asks you to pay your dues to others, the treasurer may ask you to deposit additional amount until the balance is back to $10,000. The treasurer may deposit the amount into a savings bank or elsewhere that earns a interest for you and you can keep the interests.

Insurance Premiums:

Auto insurance premiums are regulated by the Massachusetts office of Insurance Regulations and the Massachusetts auto insurance companies are allowed to charge premiums and offer discounts based on many factors that include
  • The type of your vehicle
  • Previous auto insurance coverage
  • Mileage you drive on an average
  • Your driving record
  • Your age and gender
  • Your marital status
  • Where you live
  • Your experience in driving
  • Purpose of use of your vehicle

The insurers are not allowed to use your credit rating to determine your auto insurance premiums in Massachusetts.

How to get Cheap Auto Insurance Policy?

Shopping for insurance is the best way to arrive at cheap auto insurance quotes. You have to get as many auto insurance quotes as possible and compare auto insurance quotes so obtained. In fact, you can collect these quotes by visiting the insurance companies in person. But, this is a time consuming process. Instead, you can browse for online auto insurance quotes by visiting the websites of some leading insurance companies and compare them along with the coverages offered. You have to compare auto insurance quotes of different companies for the same coverage and finally arrive at the best result. This is the best way to get an affordable auto insurance that suits your needs and budget.

However, your aim should not be to get cheapest auto insurance quotes alone. The companies that offer cheap auto insurance quotes need not be the best in customer services. It cannot be denied that some local insurance companies are doing stupendous services to their customers by offering right coverage at reasonable price. You are aware of the reputed auto insurance companies in your living area and you have to analyse the profiles of the companies to assess the credibility. Online facilities are now available to look into the reviews commented by the beneficiaries about their insurance companies and you can rely upon these reviews to a certain extent.

You can also consult your neighbours and friends, who have already bought such auto insurance from many companies and gather the financial stability and other good qualities of the prospective insurance companies. All these factors put together will lead to get an affordable auto insurance that suits you in all respects.


Auto insurance is required by law only to protect you from unnecessary financial losses arising out of some nasty accidents. These expenses cannot be dealt with by spending from your own pocket. By missing an auto insurance, you may be losing your entire savings in just one lawsuit. If not already done, purchase an auto insurance immediately and step on the wheels with a peace of mind.

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