Massachusetts Car Accident Settlement Calculator
Estimate a car accident settlement under Massachusetts law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Massachusetts law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Massachusetts bars recovery if plaintiff is 51% or more at fault.
Mass. Gen. Laws ch. 231, § 85·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Massachusetts car insurance law: minimums, PIP and uninsured motorist coverage
What Massachusetts's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Massachusetts: Minimum liability coverage
“[Definition of ''Motor vehicle liability policy'' applicable to motor vehicle liability policies issued or renewed on or after July 1, 2025. See 2024, 275, Sec. 4.] […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“[…] 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 […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
“Every policy of property damage liability insurance shall provide that the insurer will pay on behalf of the insured all sums the insured shall become legally obligated to pay as damages because of injury to or destruction of property, including loss of use thereof, caused by accident and arising out of the ownership, maintenance or use, including loading and unloading of the insured motor vehicle, subject to a limit of not less than $30,000 because of injury to or destruction of property of others in any one accident.”
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Massachusetts: No-fault, personal injury protection and the right to sue
“[…] without regard to negligence or gross negligence or fault of any kind, to the amount or limit of at least eight thousand dollars on account of injury to or death of any one person, except that payments for loss of wages or salary or their equivalent or, in the case of persons not employed, loss by reason of diminution of earning power, shall be limited to amounts actually lost by reason of the accident and further limited […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
The limit on a suit for pain and suffering:
“In any action of tort brought as a result of bodily injury, sickness or disease, arising out of the ownership, operation, maintenance or use of a motor vehicle within this commonwealth by the defendant, a plaintiff may recover damages for pain and suffering, including mental suffering associated with such injury, sickness or disease, only if the reasonable and necessary expenses incurred in treating such injury, sickness or disease for necessary medical, surgical, x-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral expenses are determined to be in excess of two thousand dollars unless such injury, sickness or disease (1) causes death, or (2) consists in whole or in part of loss of a body member, or (3) consists in whole or in part of permanent and serious disfigurement, or (4) results in such loss of sight or hearing as is described in paragraphs (a), (b), (c), (d), (e), (f) and (g) of section thirty-six of chapter one hundred and fifty-two or (5) consists of a fracture.”
Massachusetts: Uninsured and underinsured motorist coverage
“(1) No policy shall be issued or delivered in the commonwealth with respect to a motor vehicle, trailer or semitrailer registered in this state unless such policy provides coverage in amounts or limits prescribed for bodily injury or death for a liability policy under this chapter, under provisions approved by the insurance commissioner, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles, trailers or semitrailers and hit-and-run motor vehicles because of bodily injury, sickness or disease, including death resulting therefrom; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“(2) For the purpose of said coverage, if the policyholder or obligor elects to purchase the coverage described in this paragraph, the term ''uninsured motor vehicle'' shall also include protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of insured motor vehicles, trailers or semitrailers, to which a bodily injury liability bond or policy applies at the time of the accident and its bodily injury liability bond amount or policy limit is less than the policy limit for uninsured motor vehicle coverage […]”
The provision continues past the end of this quote, and the rest is not quoted here.
Massachusetts: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (G.L. c. 90, §§ 34A and 34O, c. 175, § 113L and c. 231, § 6D).
What partial fault costs you in Massachusetts
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Massachusetts law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Massachusetts deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Massachusetts periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Mass. Gen. Laws ch. 260, § 2A·Source retrieved 2026-07-27
Open the personal injury calculatorMass. Gen. Laws ch. 260, § 4·Source retrieved 2026-07-27
Open the medical malpractice calculatorMass. Gen. Laws ch. 229, § 2·Source retrieved 2026-07-27
Open the wrongful death calculatorMass. Gen. Laws ch. 152, § 41·Source retrieved 2026-07-27
Open the workers compensation calculatorMass. Gen. Laws ch. 260, § 2A·Source retrieved 2026-07-27
Open the slip and fall calculatorMass. Gen. Laws ch. 260, § 2A·Source retrieved 2026-07-27
Open the dog bite calculatorMassachusetts against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Massachusetts is one of them.
- Its 3 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Massachusetts is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology