Auto Insurance Laws and Trends in MA

Massachusetts has implements the no-fault system of insurance. As a result, each insurance company involved in an accident must pay for their own injuries, regardless of who is found to be at fault.

The congestion in cities such as Boston contributes to collisions in the city. Because of the high accident rate, Massachusetts has the 6th highest insurance premiums in the country. This state's average policy runs at $1,042 per year compared to the national average of $817. The good news is that the premiums in Massachusetts are declining at a steady rate. Just over the past year, the rates have decreased by 6.4%.

The Massachusetts auto insurance "Bill of Rights"

Massachusetts has adopted a bill of rights to protect consumers while purchasing auto insurance. Consumers have the right to:

• Buy insurance
• Choose insurance coverage
• Change insurance coverage
• Cancel an insurance policy if they find cheaper rates
• Be told the reasons for being denied insurance
• Know that they cannot be denied insurance for certain reasons (age, gender, marital status, race, etc.)
• Know that they cannot be denied insurance for having a poor credit history

Driving while impaired is on the rise in the country. In Massachusetts, strict penalties have been put into place to try to deter motorists from driving while impaired. Following are the penalties that drivers can incur:

The fines, jail sentences, and license suspensions can certainly be increased if there are injuries and/or fatalities involved, or if there are children present in the vehicle with an intoxicated driver.

Request a free quote for Massachusetts auto insurance today!