Massachusetts State Mandated Auto Insurance Form

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Massachusetts state mandated auto insurance form. Risks subject to the compulsory law are required to be insured under the approved coverage form. We can cancel all or any part of the insurance if. The massachusetts auto insurance plan maip is a government insurance program that provides coverage for drivers who have not been able to find insurance in the regular market. An auto insurance policy is a contract between you and an insurance company.

Massachusetts law requires that every vehicle operating in massachusetts be insured. Bodily injury caused by an uninsured auto protects you anyone you let drive your car household members and passengers unless covered by another massachusetts policy with similar coverage against losses caused by an uninsured or unidentified hit and run driver. Cancellation you can cancel all or any part of the insurance at any time by giving us or your agent at least 20 days written notice. Find the information you need on buying auto insurance coverages discounts surcharge appeals rmv appeals and more.

You agree to pay the cost of the insurance policy called a premium and to obey the insurance company s stated rules in return the insurance company agrees to pay for certain expenses associated with an accident or other covered losses. By law you must purchase four coverages called compulsory or mandatory coverages in at least minimum amounts required by law and in higher amounts if you choose to do so. The appropriate massachusetts forms must be used with the business auto coverage form and massachusetts mandatory endorsement mm 99 11 must be issued when insuring risks subject to the compulsory automobile insurance law. In massachusetts there is a massachusetts mandatory endorsement mm 99 11 which modifies the national bap and iso cancellation provision to only 20 days.

An insurance agent can submit an application to maip on the driver s behalf after trying and failing to find insurance for the driver through normal channels. Vehicle owners in massachusetts are required by law to maintain certain minimum levels of car insurance coverage on any vehicle registered and driven in the state. A minimum limit of 20 000 per person and 40 000 per accident is required. You may also buy a variety of optional coverages to suit your needs.