Liability insurance not only covers injuries to victims in other car, but also can be used to compensate injured passengers in at-fault driver’s car. However, there is sometimes not enough coverage on a single policy to cover the full extent of all injuries.
Auto insurance liability insurance in Massachusetts has policy limits broken down into the three categories. A policy will have separate limits for a single injury, total injuries per accident, and property damage resulting from the accident. Some people have the state minimum insurance, while other people will have insurance well above the state mandatory minimums.
In the Commonwealth of Massachusetts, the state requires minimum coverage $20,000 per injury, $40,000 per accident, and $5,000 in personal property of others coverage. Boston drunk driving accident lawyers typically express these figures as 20/40/5. When you are riding the T and see a poster for a company advertising cheap insurance with state minimum coverage, they are talking about 20/40/5.
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