MA
Massachusetts Insurance Regulations
Consumer rights and insurance laws in Massachusetts
Overview
Massachusetts Division of Insurance regulates one of the most tightly regulated insurance markets in the US. As a no-fault PIP state, Massachusetts requires personal injury protection coverage and has unique auto insurance pricing regulations.
Key Insurance Regulations in Massachusetts
- Modified comparative fault — barred at 51% or more fault
- 3-year statute of limitations for personal injury and property damage
- No-fault PIP state — PIP coverage required
- Mandatory auto insurance: 20/40/5 minimum liability
Filing an Insurance Complaint in Massachusetts
If you believe your insurance company has acted unfairly or violated Massachusetts insurance laws, you can file a complaint with the Massachusetts Division of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.
Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Massachusetts Division of Insurance typically responds to complaints within 30 days.
Massachusetts Division of Insurance
Insurance Commissioner: Gary D. Anderson
Phone: (617) 521-7794
Website: https://www.mass.gov/orgs/division-of-insurance
File a Complaint: Consumer Complaint Portal
Insurance Claim Guides for Massachusetts
Browse our detailed insurance claim guides tailored specifically to Massachusetts laws and regulations.
Auto Insurance Claims in MassachusettsHome Insurance Claims in MassachusettsHealth Insurance Appeals in MassachusettsInsurance Denial Letter Templates in MassachusettsDemand Letter Guide in MassachusettsInsurance Settlement Calculator Guide in MassachusettsDiminished Value Claims in MassachusettsTotal Loss Dispute Guide in MassachusettsBad Faith Insurance Claims in MassachusettsUnderinsured Motorist Claims in MassachusettsUninsured Motorist Claims in MassachusettsRental Car Insurance Coverage in MassachusettsGAP Insurance Claims in MassachusettsInsurance Subrogation Explained in MassachusettsPIP (Personal Injury Protection) Guide in MassachusettsBodily Injury Claims in MassachusettsProperty Damage Claims in MassachusettsLiability Claim Process in MassachusettsComprehensive Insurance Claims in MassachusettsCollision Insurance Claims in MassachusettsFlood Insurance Claims in MassachusettsFire Insurance Claims in MassachusettsTheft Insurance Claims in MassachusettsVandalism Insurance Claims in MassachusettsAuto Glass Insurance Claims in MassachusettsHail Damage Insurance Claims in MassachusettsWind Damage Insurance Claims in MassachusettsWater Damage Insurance Claims in MassachusettsMold Insurance Claims in MassachusettsRoof Damage Insurance Claims in MassachusettsFoundation Damage Claims in MassachusettsSinkhole Insurance Claims in MassachusettsEarthquake Insurance Guide in MassachusettsHurricane Insurance Claims in MassachusettsTornado Damage Insurance Claims in MassachusettsLightning Damage Insurance Claims in MassachusettsTree Damage Insurance Claims in MassachusettsFence Damage Insurance Claims in MassachusettsAppliance Breakdown Claims in MassachusettsIdentity Theft Insurance Claims in MassachusettsCyber Insurance Claims in MassachusettsPet Insurance Claims in MassachusettsTravel Insurance Claims in MassachusettsLife Insurance Disputes in MassachusettsDisability Insurance Claims in MassachusettsWorkers' Compensation Claims in MassachusettsLong-Term Care Insurance Claims in MassachusettsDental Insurance Appeals in MassachusettsVision Insurance Claims in MassachusettsPrescription Drug Appeals in MassachusettsAccident Scene Documentation in MassachusettsInsurance Adjuster Tactics in MassachusettsDiminished Value Calculator Guide in MassachusettsTotal Loss Vehicle Valuation in MassachusettsPain and Suffering Calculation in MassachusettsMedical Bills in Auto Claims in MassachusettsLost Wages Insurance Claims in MassachusettsFiling a Bad Faith Insurance Lawsuit in MassachusettsWhen to Hire a Car Accident Lawyer in MassachusettsInsurance Claim Timeline Guide in MassachusettsIndependent Vehicle Appraisal Guide in MassachusettsAppraisal Clause in Auto Insurance in MassachusettsDiminished Value by State in MassachusettsTotal Loss Threshold by State in MassachusettsRental Car After an Accident in MassachusettsYour Rights During Car Repairs in MassachusettsOEM Parts in Insurance Claims in MassachusettsInsurance Negotiation Tactics in MassachusettsDemand Package for Auto Claims in MassachusettsCommon Insurance Claim Denial Reasons in MassachusettsStatute of Limitations for Auto Claims in MassachusettsFiling Claims in No-Fault States in MassachusettsAt-Fault Accident Claims in MassachusettsComparative Negligence in Claims in MassachusettsUninsured Motorist Property Damage in MassachusettsHit and Run Insurance Claims in MassachusettsParking Lot Accident Claims in MassachusettsRideshare Accident Insurance Claims in MassachusettsCommercial Vehicle Accident Claims in MassachusettsDeer Collision Insurance Claims in MassachusettsFlood Car Damage Claims in MassachusettsCatalytic Converter Theft Claims in MassachusettsCar Break-In Insurance Claims in MassachusettsTire Blowout Accident Claims in MassachusettsPothole Damage Insurance Claims in MassachusettsHail Damage Car Claims in MassachusettsHow to Review Your Auto Insurance Policy in MassachusettsAuto Insurance Coverage Gaps in MassachusettsMulti-Vehicle Accident Claims in MassachusettsDisputing Fault Determination in MassachusettsFiling an Insurance Commissioner Complaint in MassachusettsNegotiating Diminished Value Claims in MassachusettsFighting a Total Loss Declaration in MassachusettsBodily Injury Settlement Guide in MassachusettsInsurance Fraud Prevention Guide in MassachusettsSubstandard Auto Repair Claims in MassachusettsTotal Loss Buy-Back Process in MassachusettsInsurance Claims After a DUI in MassachusettsCommercial Auto Insurance Claims in MassachusettsStorage Unit Insurance Claims in Massachusetts
Other State Insurance Regulations
AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming
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