Liability coverage can help pay for the other driver's accident-related property damage and medical bills if you're found at fault in the incident.
All Boston residents must carry at least the following liability limits on an Esurance policy:
- $20,000 of bodily injury to others coverage per person
- $40,000 of bodily injury coverage per incident
- $5,000 of property damage coverage per incident
This is often expressed as 20/40/5. Bodily injury to others coverage can help financially protect you if you're found at fault in an incident that results in accidental injury or death to others (excluding your passengers), but only if the accident occurs within Massachusetts.
If you want financial protection for at-fault incidents that might occur while driving out of state, optional bodily injury to others coverage can help pay for things like lost wages, medical bills, legal liability, and more (plus, it extends this protection to your passengers).
Uninsured motorist coverage
Massachusetts motorists are also required to carry uninsured motorist coverage, which helps protect you and your passengers if you're injured in an accident caused by an uninsured driver. The state requires drivers to carry this coverage at the same minimum limits as your bodily injury liability coverage — $20,000 per person, $40,000 per incident.
Personal injury protection (PIP)
In case you hadn't noticed by now, your state doesn't mess around with auto insurance coverage, but this is the last (required) one — promise!
Bostonians are required to carry a minimum $8,000 of PIP coverage, which helps pay for medical bills, lost wages, and even substitute services if you're involved in an accident — regardless of fault.