Burgin Platner And Company, LLC
55 Ferncroft Road, Suite 122, Danvers, MA 01923
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55 Ferncroft Road, Suite 122, Danvers, MA 01923
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99 Rosewood Dr, Ste 111, Danvers, MA 01923
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75 Sylvan Street, Suite B202, Danvers, MA 01923
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27 Cherry St, #101, Danvers, MA 01923
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Learn about insurance coverage options specific to Danvers residents.
As of July 1, 2025, Massachusetts requires 25/50/30 liability coverage ($25,000 per person/$50,000 per accident for bodily injury, $30,000 for property damage), $8,000 in Personal Injury Protection (PIP), and 25/50 uninsured motorist coverage. These minimums apply throughout Massachusetts, including Danvers, and represent a significant increase from the previous 20/40/5 limits.
Massachusetts uses a hybrid system. Your Personal Injury Protection (PIP) coverage pays your medical expenses and lost wages up to $8,000 regardless of who caused the accident—that's the "no-fault" part. However, fault still matters for property damage and serious injuries. If someone else causes the crash, their liability insurance pays for your vehicle repairs, and you can sue them for damages beyond PIP limits if they were more than 50% at fault.
Probably not. With Danvers' median household income above $117,000, most residents have assets that state minimums won't adequately protect. A serious accident can easily exceed $50,000 in bodily injury costs per person, and modern vehicles often cost more than the $30,000 property damage minimum. Consider increasing liability limits to at least 100/300/50 or adding umbrella coverage to protect your home, savings, and future earnings.
Potentially yes. Insurance companies consider accident frequency and traffic density when setting rates by location. The Route 128 corridor handles over 86,000 vehicles daily near Danvers, creating elevated collision risk. Your specific rate depends on multiple factors including your driving record, vehicle, and coverage choices, but the heavy commuter traffic through Danvers and Essex County is factored into the overall risk assessment for the area.
Your uninsured motorist coverage protects you. Massachusetts requires 25/50 uninsured motorist bodily injury coverage, which pays for your injuries and those of your passengers when an uninsured or underinsured driver causes an accident. However, uninsured motorist property damage is optional in Massachusetts. Without it, you'd rely on your collision coverage (if you have it) or pay out of pocket to repair your vehicle after an accident with an uninsured driver.
Yes, you can sue if the other driver was more than 50% at fault and your injuries meet certain thresholds. While PIP covers your immediate medical expenses up to $8,000 regardless of fault, you can pursue additional damages for serious injuries, pain and suffering, and costs exceeding PIP limits. The no-fault system handles initial medical bills quickly while still allowing you to hold negligent drivers accountable for significant harm they cause.
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