Do you need car insurance in MA if you don’t have a car?

It depends. If you will only drive rental cars, and are prepared to cover an accident with the lesser coverage the rental company offers, you may not need it. But if you're not prepared to take on these costs, it's probably the right choice for you.

Does car insurance follow the car or the driver in Massachusetts?

Car insurance usually follows the car in Massachusetts. The types of car insurance that follow the car in Massachusetts are collision, comprehensive, and property damage liability. You're required to carry property damage liability and personal injury protection in Massachusetts.

Can my girlfriend drive my car if she’s not on my insurance?

If a friend or a family member has an accident and isn't insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.

Do I need car insurance if my car is not used?

Coverage that is mandated by your state or lender isn't optional. Even if you aren't driving the car, you'll still need to maintain the minimum levels of insurance they require, or you'll be breaking the law.

What is the insurance called when you don’t have a car?

If you drive regularly but don't own a car, a non-owner insurance policy provides liability coverage for bodily injury and property damage, meaning that it will cover you if you're liable for damages or injuries in an accident.

What are the requirements for auto insurance in Massachusetts?

  • Bodily Injury to Others;
  • Personal Injury Protection (PIP);
  • Bodily Injury Caused by an Uninsured Auto; and.
  • Damage to Someone Else's Property.

Can someone drive my car if they are not on my insurance Massachusetts?

In Massachusetts, all household members with drivers licenses are required to be listed on all car insurance policies in the household even if they don't drive your car. How household members get rated or not rated is something your McSweeney & Ricci account manager can help you clarify.

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