Boston Car Accident Lawyer Blog
In 2025, Massachusetts raised its minimum compulsory auto insurance limits, a meaningful change that affects many claims in 2026. The state’s guidance explains that, for policies written or renewed on or after July 1, 2025, mandatory minimums increased for key coverages, such as Bodily Injury to Others and Property Damage.
This was a positive development. But it didn’t solve the biggest problem in serious car crashes: minimum limits are still minimums, and severe injuries routinely cost far more than any minimum policy can pay. That is why underinsured motorist coverage, often called UIM (and closely related to uninsured motorist coverage, UM), becomes the difference between a partial recovery and a recovery that actually matches the harm.