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The Importance of Bodily Injury Insurance in Massachusetts

bodily injury boston

If you are responsible for a car accident bodily injury liability coverage pays for the medical costs of the people who are injured (not including yourself). This coverage also helps cover payment for legal defense in the event you are sued for damages. According to the State of Massachusetts, in order to register a car in Massachusetts, you must have automobile insurance.  By law, you must purchase four coverages called Compulsory (or Mandatory) Coverages in, at least, minimum amounts required by law, and in higher amounts if you choose to do so.

Bodily Injury to Others protects you, or someone you allow to drive your car, from legal liability if you accidentally injure or cause the death of someone else while operating your car.  It only covers losses if the accident occurs in Massachusetts and does not cover the injury or death of a passenger in your car. You must buy at least $20,000 per person and $40,000 if more than one person is hurt. 

Bodily Injury Caused by Uninsured Auto protects you, anyone you let drive your car, and household members and passengers (who are not covered under another similar Massachusetts policy) against losses caused by an uninsured or unidentified (“hit and run”) driver. You must buy at least $20,000 per person and $40,000 total for all people injured by the uninsured auto in the accident.

Additional coverage for bodily injury to others, raising the limit to $35,000 for one person and $80,000 for all those hurt in the accident, providing bodily injury coverage for passengers in your car, and covering you if the accident occurs outside Massachusetts.

For more free information; call our office today at 617-338-7400.

 

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