Massachusetts compulsory motor vehicle insurance, financial responsibility, PIP, uninsured/underinsured motorist coverage, assigned risk plan, and auto policy cancellation/nonrenewal

What this document is

Massachusetts compulsory motor vehicle insurance, financial responsibility, PIP, uninsured/underinsured motorist coverage, assigned risk plan, and auto policy cancellation/nonrenewal: M.G.L. c. 90, ss. 34A-34R and c. 175, s. 111C, ss. 113A-113L, 113O is a state statute published by malegislature.gov. It is one of the Massachusetts documents that insurance license exam questions are written from, including massachusetts property & casualty, massachusetts personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• M.G.L. c. 90 § 34A (Definitions applicable to Secs. 34A to 34N; 'motor vehicle liability policy')

  “to the amount or limit of not less than $25,000 on account of injury to or death of any one person, and, subject to such limits as respects injury to or death of one person, of not less than $50,000 on account of any one accident resulting in injury to or death of more than one person”

• M.G.L. c. 90 § 34O (Property damage liability insurance or bonds)

  “subject to a limit of not less than $30,000 because of injury to or destruction of property of others in any one accident”

• M.G.L. c. 90 § 34A (Definitions; 'personal injury protection')

  “to the amount or limit of at least eight thousand dollars on account of injury to or death of any one person”

• M.G.L. c. 90 § 34M (Personal injury protection)

  “upon notification of disability from a licensed physician, the insurer shall commence medical payments within ten days or give written notice of its intent not to make such payments, specifying reasons for said nonpayment”

• M.G.L. c. 175 § 113H (Assigned risk plans)

  “no insurance company shall be required to issue such policy or execute such bond if: (1) The applicant or any person who usually drives the motor vehicle has failed to pay an insurance company any motor vehicle insurance premiums due or contracted during the preceding twelve months; or (2) Any...”

• M.G.L. c. 175 § 113F (Notice of intent to not issue, extend or renew motor vehicle liability policy...)

  “The insured or principal shall be advised in any such notice that, in accordance with the provisions of the plan established by section one hundred and thirteen H, he shall be eligible for nonrenewed coverages if he is unable to obtain such coverages by the method which insurance is voluntarily made available.”

• M.G.L. c. 175 § 113L (Uninsured motorists; insufficient liability limits; coverage)

  “regardless of the number of vehicles involved, whether insured or not, persons covered, claims made, premiums paid or the number of premiums shown on the policy, in no event shall the limit of liability for two or more vehicles or two or more policies be added together combined or stacked to...”

• M.G.L. c. 175 § 113A (Motor vehicle liability policies; contents; commissioner's approval; options to purchase policies or bonds; notice of reduced or eliminated coverages)

  “no cancellation of the policy, whether by the company or by the insured, shall be valid unless written notice thereof is given by the party proposing cancellation to the other party giving the specific reason or reasons for such cancellation at least twenty days in each case prior to the intended...”

• M.G.L. c. 90 § 34R (Estimate of cost of exterior repairs; notice)

  “any insurer or repairer preparing a written estimate of the cost of such repairs shall clearly identify in such estimate each major replacement crash part to be used which is not manufactured or supplied by the original manufacturer of the motor vehicle”

• M.G.L. c. 175 § 113C (Notice to registrar of companies authorized...; mandatory offer of additional coverage; limits)

  “no company shall issue such motor vehicle liability policies or act as surety upon such motor vehicle liability bonds unless it makes a mandatory offer to issue to any person purchasing such policy or bond, at his option, additional coverage, beyond that required by section thirty-four A of chapter...”

• M.G.L. c. 175 § 113D (Cancellation of motor vehicle liability policy; proceedings; review)

  “may, at any time prior to the intended effective date of cancellation expressed in such notice, or within ten days after such a refusal, file a written complaint with the commissioner”

• M.G.L. c. 175 § 113E (Deposit premiums)

  “providing the per vehicle deposit does not exceed thirty per cent of the annual premium or the full short term premium for the insurance requested, whichever is less, unless the applicant has been in default in the payment of any premium for automobile insurance during the preceding twenty-four months”

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More Massachusetts sources

• M.G.L. Chapter 176D - Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance (Secs. 1, 2, 3, 3A, 4, 5, 11)State statute
• Massachusetts accident and health / disability policy provisions: M.G.L. c. 175, ss. 108-108N, 110A-110M, 111State statute
• M.G.L. ch. 176D, Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance (complete chapter)State statute
• Massachusetts insurance contract and general provisions applicable to all insurers: M.G.L. c. 175, ss. 2, 2A, 2B, 3, 181-194State statute
• Massachusetts group and blanket health insurance: M.G.L. c. 175, ss. 110, 110D, 110G, 110I, 110J, 110K, 110LState statute
• Massachusetts group life insurance: M.G.L. c. 175, ss. 133-138AState statute
• Massachusetts life insurance and annuity contracts, including standard policy provisions: M.G.L. c. 175, ss. 118-132A1/2, 139-146A, 149, 204State statute
• Massachusetts Life and Health Insurance Guaranty Association Law: M.G.L. c. 175, s. 146BState statute