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Massachusetts Insurance Laws and Regulations
The Massachusetts Consumer Affairs and Business Regulation develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Consumer Affairs Agency for the Commonwealth of Massachusetts. The Commonwealth of Massachusetts publishes consumer complaint information for consumers to use when making purchase decisions.
A summary of the driving safety laws for the state of Massachusetts can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Massachusetts.
The Massachusetts Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.
For homeowners, MA law allows for a different deductible when a windstorm occurs. The deductible can apply to damage caused by a hurricane, tropical storm, tornado or wind and hail from a thunderstorm. Be sure to understand how the wind/hail deductible can apply to you.
Massachusetts has minimum auto insurance amounts that are required by law. The table below shows the MA minimum car insurance limits.
Minimum Car Insurance Coverage Required in Massachusetts
|Bodily Injury, per person||20,000|
|Bodily Injury, per accident||40,000|
|Personal Injury Protection||8,000|
Resources Available to Consumers
The Massachusetts Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.
The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.