What does liability insurance coverage include for drivers in Massachusetts?

Liability insurance coverage for drivers in Massachusetts is designed to protect individuals from the financial ramifications of causing harm to others in an accident. This coverage includes both bodily injury and property damage aspects, providing a comprehensive approach to liability.

Bodily injury coverage addresses medical expenses, lost wages, and other damages incurred by other parties as a result of an accident where the insured driver is at fault. This is essential for ensuring that victims of car accidents can receive the necessary support and compensation for their injuries.

Property damage coverage, on the other hand, covers the costs associated with damage to someone else's property, such as their vehicle or any other property that may be impacted during the accident. This ensures that the insured driver can fulfill their financial responsibilities for physical damages they may cause.

By combining both types of coverage, Massachusetts liability insurance ensures that drivers are adequately protected against claims arising from both personal injuries and property damage, which is critical for responsible driving and adherence to state regulations. The focus on bodily injury and property damage distinguishes this type of coverage from comprehensive and collision coverage, which deals with different types of vehicle-related risks.