NO-Fault system in MA is sound. This means upto predermined policy limit insurer will pay the injuries for insurer irrespective
of who is responsible for mistake. As per law drivers should have policy coverage for the bodily injuries and for property damages
of another party for which insurer is liable. When comes to situation like uninsured/underinsured motorist and they may
cause bodily injuries or property damage and have hit-and-run driver status. In this case the law covers personal injuries
and not the damage to properties of victim.

Please carry following required limit at all times:

-For bodily injury to one person $20,000

-For bodily injuries to two or more people $40,000

-For Personal Injury Protection (PIP) $8,000

-Uninsured/Underinsured motorist with $20,000 per person and $40,000 per accident

-For property damage $5,000

One would need to purchase comprehensive and collision instead llimited coverages. The several limited coverage policy
will not fetch the full price of medical care and also cost to repair or replace a vehicle. None of these limited policies
may sustain full damages losses.

Better get quotes from multiple insurers to compare from instead adding additions to policies which add up quite quickly.
To save your spending comparing competitive quotes and coming to conclusion how much is reasonable to pay and
avoiding unreasonable quotes is must. In doing so abide by Massachusetts auto insurance laws.