Is Massachusetts an at-fault or no-fault state?
Massachusetts is considered a no-fault state, meaning that a driver’s own auto policy usually pays claims regardless of who might be responsible for an accident. The no-fault system generally provides prompt payments on claims, and reduces litigation costs between insurers.
Are insurance companies permitted to use credit scores when determining premiums?
Massachusetts prohibits insurers from factoring credit scores into premium calculations. While other states still allow this practice, Massachusetts hasn’t for years. It was one of the first states to pass laws keeping insurance companies from doing this.