auto insurance rates in massachusetts

No-fault insurance is a type of insurance policy that requires the insured to pay for any untoward accident regardless of the cause or who was really at fault in that accident. If you reside in an n-fault state and you do not possess any type of coverage for your own protection, unfortunately, medical bills cannot be shouldered by the other party. In simpler words, if they have insurance, then they are protected but it does not really cover you. This type of policy is available in certain states only.

Personal Injury Protection or PIP refers to the purchased coverage in a state where no-fault policy exists. The amount however varies depending on the state where you live. The policy owner or holder in case of accidents could possibly reimburse all accrued expenses from medical bill, injury-related expenses, and loss of wages but they are not allowed to file legal charges against the other party involved.

There 24 existing states where no-fault policy exists and one of them is the District of Columbia. These states only permit the insured to get payments resulting from car accidents from their auto insurance provider. Out of these 24 states, there are also 12 states where true no-fault policy can happen. On the other hand, in the remaining 12 states, suing may be allowed but are quite restrictive in nature. Monetary threshold becomes the legal basis of these procedures.

Verbal threshold may also be done if the repercussions are long-term or permanent such as disfigurement, disability and death. True fault states include Michigan, Minnesota, Hawaii, Florida, Massachusetts, New Jersey, North Dakota, Pennsylvania, Kentucky, New York, Kansas, and Utah.’ Although no-fault insurance restricts the right to sue, the ‘at-fault’ drivers may also be responsible for all other expenses exceeding the limit of the Personal Injury Protection of the insured.

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