Massachusetts drivers must follow the laws pertaining to automobile insurance. For this reason, they should assess their choices to ensure that they are compliant. While they aren’t restricted to the minimum requirements, they must fulfill them to avoid penalties. Automobile Insurance Policies in Whitman MA can help them achieve these prerequisites.
What are the Minimum Requirements for Massachusetts
The basic requirements for auto insurance are more extensive in Massachusetts. They are expanded beyond the national mandate. First, all drivers must have liability insurance policies that provide a $20,000 minimum and a maximum of $40,000. This policy must provide $5,000 for personal property.
Next, they are required to purchase personal injury insurance that must provide at least a minimum of $8,000. This insurance pays for the vehicle owner’s injuries and medical expenses. They may choose a policy that provides more coverage, if they prefer.
Additionally, the drivers are required to purchase uninsured motorist coverage. The minimum coverage allowances must start with at least $20,000 for each injured party. It must have a maximum payout of no less than $40,000 for the total accident.
What Discounts are Available?
The most common discounts available start with mult-car options. The automobile owner receive more discounts based on the total number of cars on the policy. They could also achieve further discounts by adding boats and recreational vehicles under an umbrella policy.
Drivers with clear driving records also receive discounts. Select policies may provide them with incentives that offer rewards for maintaining this record. Equally, there are discounts for teen drivers who don’t incur traffic violations or become involved in accidents.
Select policies may also provide discounts for teens based on their grade point average. These discounts are available for college and high school students. They must provide updated records to maintain this status.
Massachusetts drivers abide by local insurance laws by purchasing appropriate policies. A review of possible policies may provide them with exceptional discounts. This makes their policies more affordable and lessen the burden of this national mandate. Drivers who need to review Automobile Insurance Policies in Whitman MA should visit johnsoninsurancema.com for additional information today.