{"id":39195,"date":"2023-08-31T17:06:43","date_gmt":"2023-08-31T21:06:43","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=39195"},"modified":"2025-02-04T15:10:10","modified_gmt":"2025-02-04T20:10:10","slug":"is-ma-a-no-fault-state","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/is-ma-a-no-fault-state","title":{"rendered":"Is MA a no fault state?"},"content":{"rendered":"\n

If you get into an accident in Massachusetts, no fault insurance can pay for medical expenses, loss of income and other miscellaneous expenses regardless of who\u2019s at fault for the accident. Here\u2019s what you need to know about no fault insurance in Massachusetts<\/a>, how claims work and what is covered.<\/p>\n\n\n\n

What is \u201cNo Fault\u201d?<\/h2>\n\n\n\n

In a no fault state, you\u2019re required to carry personal medical coverage as part of your insurance policy. This provides medical coverage for you and your passengers if there\u2019s an accident, no matter who was at fault. This can also be referred to as \u201cno fault coverage\u201d.<\/p>\n\n\n\n

Is Massachusetts a no fault state?<\/h2>\n\n\n\n

Massachusetts is one of twelve states in the US with no fault insurance laws. This is why MA is known as a \u201cno fault state\u201d.<\/p>\n\n\n\n

In a no fault state like Massachusetts, you\u2019re required to carry<\/a> Personal Injury Protection, or PIP, on insurance policy. This provides medical coverage for you and your passengers if there\u2019s an accident, no matter who was at fault. PIP can also be referred to as No Fault coverage.<\/p>\n\n\n\n

In Massachusetts, you must have $8,000 of PIP coverage and you cannot purchase more. Instead, you can purchase optional medical payments coverage, also known as MedPay. This pays for necessary medical and funeral expenses after PIP coverage is exhausted. MedPay not only covers you and your passengers, but also your household family members.<\/p>\n\n\n\n

Required Coverage<\/strong><\/td>Minimum Limit<\/strong><\/td><\/tr>\n\n
Bodily Injury Liability<\/td>$20,000 per person \/ $40,000 per accident<\/td><\/tr>\n\n
Property Damage Liability<\/td>$5,000 per accident<\/td><\/tr>\n\n
Personal Injury Protection<\/td>$8,000 per accident<\/td><\/tr>\n\n
Uninsured Motorists<\/td>$20,000 per person \/ $40,000 per accident<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n

If you get into an accident<\/a>, your medical benefits coverage will help pay your injuries and medical expenses. Your liability coverages will help protect you if you are responsible for injuries to others or damage to their vehicles.<\/p>\n\n\n\n

How do claims work?<\/h2>\n\n\n\n

After an accident, report it to your insurance company as soon as you can.<\/p>\n\n\n\t\t

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Now let\u2019s talk about you<\/strong>
\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at 800-516-9242<\/a> or speak to a local agent<\/a>. \n

\nIf you\u2019d rather not talk, you can get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"

Here\u2019s what you need to know about no fault insurance in Massachusetts, how claims work and what is covered.<\/p>\n","protected":false},"author":6,"featured_media":37926,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[83],"class_list":["post-39195","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ma"],"acf":[],"yoast_head":"\nIs Massachusetts a No Fault State?<\/title>\n<meta name=\"description\" content=\"Here\u2019s what you need to know about no fault insurance in Massachusetts, how claims work and what is covered.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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