Is Massachusetts a no-fault state?
Yes. Massachusetts is a no-fault state. Your own Personal Injury Protection (PIP) pays the first $8,000 of medical bills and lost wages no matter who caused the crash.
Last checked November 9, 2026 · Official sources (6)
How does Massachusetts car insurance work?
“Massachusetts is a no-fault state which means no matter who causes the accident, PIP will pay these expenses for you or anyone you let drive your car”
Massachusetts Division of Insurance (Mass.gov)
What is Massachusetts's minimum car insurance?
| Coverage | What Massachusetts requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $30,000 |
| Personal injury protection (PIP) | PIP is required. It pays medical bills, up to 75% of lost wages and replacement services, up to $8,000. |
| Uninsured motorist | Uninsured motorist coverage is required: at least $25,000 per person and $50,000 per crash. It covers you if an uninsured or hit-and-run driver hurts you. |
When can you sue in Massachusetts?
Pain and suffering can be claimed only if medical expenses are over $2,000, or the injury causes death, loss of a body part, permanent and serious disfigurement, certain loss of sight or hearing, or a fracture.
Other no-fault states
Questions
How much insurance does Massachusetts require?
At least $25,000 per person and $50,000 per crash for injuries you cause, and $30,000 for property damage. These limits apply to policies written or renewed on or after July 1, 2025.
What if you were partly at fault in Massachusetts?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing only if your share is greater than the other side's.
When can you sue after a crash in Massachusetts?
You can sue for pain and suffering only if your reasonable medical bills are over $2,000, or the injury caused death, loss of a body part, permanent and serious disfigurement, certain loss of sight or hearing, or a broken bone.
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See if I’m owed moneySources (6)
- Massachusetts Division of Insurance (Mass.gov), checked 2026-11-09. “Massachusetts is a no-fault state which means no matter who causes the accident, PIP will pay these expenses for you or anyone you let drive your car”
- Massachusetts Division of Insurance, Filing Guidance Notice 2025-A, checked 2026-11-09. “Bodily Injury to Others: $25,000 per person and $50,000 per accident. • Bodily Injury Caused by Uninsured Auto: $25,000 per person and $50,000 per accident. • Damage to Someone Else’s Property: $30,000 per accident.”
- Massachusetts Division of Insurance (Mass.gov), checked 2026-11-09. “Personal Injury Protection (also known as PIP) covers medical expenses, up to 75% of lost wages and replacement services up to a limit of $8,000.”
- Massachusetts Division of Insurance (Mass.gov), checked 2026-11-09. “You must buy at least $25,000 per person and $50,000 total for all people injured by the uninsured auto in the accident.”
- Massachusetts General Laws c. 231, § 85, checked 2026-11-09. “if such negligence was not greater than the total amount of negligence attributable to the person or persons against whom recovery is sought, but any damages allowed shall be diminished in proportion to the amount of negligence”
- Massachusetts General Laws c. 231, § 6D, checked 2026-11-09. “in excess of two thousand dollars unless such injury, sickness or disease (1) causes death, or (2) consists in whole or in part of loss of a body member, or (3) consists in whole or in part of permanent and serious disfigurement”