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Is Massachusetts a no-fault state?

Cameron Berry

Reviewed for accuracy by

Licensed Property & Casualty Agent · NPN 20621185

Last reviewed

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Short answer: Yes. Massachusetts is a no-fault auto insurance state, meaning your own Personal Injury Protection (PIP) coverage pays your medical expenses and certain related costs after an accident regardless of who caused it.

No-fault is designed to get medical bills paid quickly and reduce lawsuits over minor injuries, which is why PIP is a mandatory part of every Massachusetts auto policy. The no-fault rules apply to injuries — vehicle damage is still handled through fault-based coverages — and there are injury thresholds that determine when you can step outside the no-fault system to pursue an at-fault driver for more serious harm.

Cameron Berry

Reviewed for accuracy by

Licensed Property & Casualty Agent · NPN 20621185

Last reviewed

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