SR-22 Auto Insurance in Massachusetts

Massachusetts auto insurance rules are a bit uncommon when compared to other states, but the state does mandate that all motor vehicles have at least the minimum amount of insurance as detailed below. Additionally, Massachusetts has certain SR-22 requirements and limitations that differ from other states.

One of the uncommon aspects of Massachusetts auto insurance is that the policy must list all licensed drivers who are living in your household who are related to you by blood, marriage, or adoption. This also includes drivers who may already have their own insurance policies.

SR-22 issues and information for Maryland

If you are convicted in Massachusetts of certain offenses, then you may be required to purchase an SR-22 auto insurance certificate. Offenses that may lead to this requirement include, but are not limited to:

• DUI's
• Driving without auto insurance coverage
• Being involved in crashes without proper insurance coverage
• Reckless driving

In order for an SR-22 to be valid in Massachusetts, it must be issued by an auto insurance company that is licensed to do business in the state. The SR-22 must be kept in effect for the time limit required, which is often between 1 and 5 years. Should the SR-22 lapse or if the underlying auto insurance lapses, then the issuer is required to notify the BMV of the lapse. This will result in loss of driving privileges. Lastly, you cannot use an SR-22 that was issued in another state. You must get a new one if you now reside in Massachusetts.

Massachusetts auto insurance minimums

Finally, knowing the minimum requirements in the state of Massachusetts will help you in the process of determining the right MA auto insurance plan for you. As of 2009, the requirements are as follows:

• Bodily Injury to Others: $20,000 per person with
• $40,000 per accident
• Personal Injury Protection (PIP): $8,000 per person, per accident
• Bodily Injury Caused by an Uninsured Auto: $20,000 per person; $40,000 per accident
• Property Damage: $5,000 per accident

Request a free quote for Massachusetts auto insurance today!