In Massachusetts, a no-fault state, Personal Injury Protection (PIP) insurance covers medical expenses and lost wages, but it does not apply to vehicle damage. For car damage, responsibility depends on who is at fault:
Your Own Insurance (Collision Coverage): If you have collision coverage on your auto insurance, your insurance company will pay for repairs to your vehicle, regardless of who caused the accident. You will be responsible for the deductible, but you can recover that cost if the other driver is found to be at fault.
The At-Fault Driver’s Insurance: If the other driver is found to be at fault, their property damage liability coverage will pay for repairs to your vehicle. Massachusetts law requires all drivers to carry at least $5,000 in property damage liability coverage, which can be used to cover these expenses.
Uninsured/Underinsured Motorist Coverage: If the at-fault driver does not have enough insurance to cover the damage or is uninsured, your uninsured/underinsured motorist property damage coverage can help cover the costs, provided you have this type of coverage.
While no-fault insurance simplifies medical and injury claims, it does not automatically pay for property damage, which is handled based on fault and available insurance coverage.
