Car accidents are a common occurrence on the roads of Massachusetts, and they can result in a wide range of consequences, from property damage to severe injuries or even fatalities. 

If you find yourself involved in a car accident in Massachusetts, it’s essential to understand the state’s car accident laws. This knowledge can help you navigate the legal process, protect your rights, and ensure you receive the compensation you deserve. 

So, here is a comprehensive overview of Massachusetts car accident laws, covering topics such as fault, insurance requirements, reporting requirements, and potential legal actions.

Determining Fault in Massachusetts Car Accidents

One of the most critical aspects of any car accident case is determining who is at fault. In Massachusetts, the at-fault system is used to assign responsibility for the accident and its consequences. Here’s what you need to know about establishing fault:

Comparative Negligence

Massachusetts follows a comparative negligence system, which means that fault can be divided between multiple parties involved in an accident. In other words, it’s possible for both drivers to share some degree of fault for an accident. When this happens, the court will assign a percentage of fault to each party.

For example, if one driver was speeding, but the other driver ran a red light, the court may find that the speeding driver is 60% at fault, while the driver who ran the red light is 40% at fault. This system allows for a more equitable distribution of responsibility and compensation.

No-Fault Insurance

Massachusetts is a no-fault insurance state. This means that regardless of who is at fault for an accident, each party involved in the crash seeks compensation from their own insurance company for certain damages, such as medical expenses and lost wages, up to the policy limits. However, there are exceptions to the no-fault rule for accidents resulting in serious injuries or substantial property damage.

Minimum Insurance Requirements in Massachusetts

Every driver in Massachusetts is required to have auto insurance that meets the state’s minimum requirements. These requirements are in place to ensure that drivers have a way to cover the costs of any accident they may cause. The minimum insurance requirements in Massachusetts include:

Bodily Injury Liability Coverage

  • $20,000 per person for bodily injury or death
  • $40,000 per accident for bodily injury or death to more than one person

This coverage helps pay for medical expenses, lost wages, and other damages if you injure someone in an accident.

Personal Injury Protection (PIP) Coverage

  • $8,000 per person, per accident

PIP coverage provides compensation for medical expenses and lost wages for you and your passengers, regardless of who is at fault for the accident.

Uninsured Motorist Coverage

  • $20,000 per person for bodily injury
  • $40,000 per accident for bodily injury to more than one person

This coverage protects you if you are involved in an accident with an uninsured or underinsured driver.

Property Damage Liability Coverage

  • $5,000 per accident

This coverage helps pay for property damage to another person’s vehicle or property if you are at fault for the accident.

It’s crucial to carry insurance that meets or exceeds these minimum requirements to ensure that you are adequately protected in the event of an accident.

Reporting Requirements for Car Accidents

In Massachusetts, you are required to report a car accident to the police if it results in:

  • Injury or death
  • Property damage exceeding $1,000

You must report the accident as soon as possible and provide all necessary information to law enforcement. Failure to report an accident can result in penalties, including fines and a suspension of your driver’s license.

Statute of Limitations for Filing a Car Accident Lawsuit

If you are injured in a car accident and wish to pursue a personal injury lawsuit against the at-fault party, it’s important to be aware of the statute of limitations. 

In Massachusetts, the statute of limitations for filing a car accident lawsuit is typically three years from the date of the accident. 

This means that you have a limited amount of time to initiate legal action, so it’s crucial to consult with an attorney and take appropriate steps promptly.

Seeking Compensation for Car Accident Damages

If you are injured in a car accident in Massachusetts, you may be entitled to seek compensation for various damages. These damages can include:

Medical Expenses

You can seek compensation for the cost of medical treatment, including hospital bills, surgeries, rehabilitation, and ongoing medical care related to your injuries.

Lost Wages

If your injuries prevent you from working, you may be entitled to compensation for the income you lose during your recovery.

Pain and Suffering

You can seek compensation for the physical and emotional pain and suffering you experience as a result of the accident and your injuries.

Property Damage

You can seek compensation for the repair or replacement of your vehicle and other property damaged in the accident.

Wrongful Death

If you have lost a loved one in a car accident, you may be able to pursue a wrongful death claim to seek compensation for funeral expenses, lost financial support, and the emotional toll of your loss.

How to Protect Your Rights After a Car Accident

To protect your rights and increase your chances of receiving fair compensation after a car accident, consider the following steps:

Seek Medical Attention

Even if your injuries seem minor, it’s essential to seek immediate medical attention. Some injuries may not be apparent right away, and a medical evaluation can document your condition.

Contact the Police

Report the accident to the police and provide them with accurate information about the incident. The police report can serve as valuable evidence in your case.

Document the Scene

Take photos of the accident scene, vehicle damage, injuries, and any other relevant details. This documentation can help establish the facts of the accident.

Gather Witness Information

Collect contact information from any witnesses to the accident. Witness statements can support your version of events.

Notify Your Insurance Company

Report the accident to your insurance company as soon as possible, even if you were not at fault. Failure to do so could result in a denial of your claim.

Consult with a Car Crash Attorney

Consider consulting with a car crash attorney who specializes in Massachusetts law. An experienced attorney can guide you through the legal process, negotiate with insurance companies, and represent your interests in court if necessary.


Understanding Massachusetts car accident laws is essential if you find yourself involved in an accident in the state. Knowing how fault is determined, the minimum insurance requirements, reporting obligations, and your rights to seek compensation can help you navigate the complex aftermath of a car accident. 

It’s crucial to take immediate action to protect your rights, seek medical attention, and consult with an attorney, like Swartz & Swartz, to ensure you receive the compensation you deserve if you’ve been injured in a car accident in Massachusetts.

Swartz & Swartz is a reputable law firm with a proven track record of helping individuals navigate the complexities of car accident cases in the state. With our extensive experience and commitment to client advocacy, we can provide the legal guidance and representation needed to secure the best possible outcome for your case.

So, what are you waiting for? Contact Swartz & Swartz, the award-winning car accident attorney in Boston, and get fair compensation for your loss. 

Need Help?

If you or someone you know, needs help from a lawyer, contact the law offices of Swartz & Swartz, use our live chat, or send us a message using the form below and we’ll get in touch to assess your case and how we can help. For more information, contact Swartz & Swartz, P.C. today!

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About the Author: James Swartz
Mr. Swartz, our Managing and Principal Attorney at Swartz & Swartz P.C., is a nationally recognized and respected trial attorney as well as consumer advocate. His practice focuses on cases involving negligence, torts, products liability, medical malpractice, wrongful death, and other claims involving catastrophic injuries.

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