Massachusetts is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $8,000.
In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases.
Massachusetts at a glance
Fault system
No-fault
PIP required?
Yes — $8,000
UM/UIM in minimum?
Yes — $20,000/$40,000
Compulsory UM coverage.
Massachusetts Fault System — FAQ
Is Massachusetts a no-fault state?
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Massachusetts is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $8,000. In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases. Compulsory UM coverage.
Does Massachusetts require PIP or uninsured-motorist coverage?
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Massachusetts prescribes Personal Injury Protection (PIP) of $8,000 as part of its minimum coverage. Uninsured/underinsured motorist bodily-injury coverage of $20,000/$40,000 is part of the state minimum.
Why does it matter whether Massachusetts is no-fault or at-fault?
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It changes who pays and whether you can sue. In a no-fault state your own PIP pays your medical costs first and lawsuits are limited to serious injuries; in an at-fault state the at-fault driver's liability insurance pays and you keep the full right to sue. This affects which coverages you should carry. This is general information, not legal advice — confirm specifics with the Massachusetts Department of Insurance or a licensed attorney.
Related guides and tools
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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