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Nor do I see where the Massachusetts law can be shown to have driven the reckless driver off the highways. The insurance companies could refuse to insure only if their objections were sustained by the board of appeals, consisting of state officials. The board of appeals sustained the insurance companies in only twenty- eight cases. It is difficult for me to believe that insurance would have been denied to only twenty-eight persons in the state of Massachusetts if the companies could have used their own independent judgment. Get Free Auto Insurance Quotes here Get answers to common car insurance questions from this website. Every state has different state minimum liability coverage requirements, uninsured/underinsured motorist (UM/UIM) coverage, no-fault insurance, PIP coverage, DUI and teen driver laws. Accidents caused by federal, state, county and municipal automobiles used in the performance of governmental and quasi-governmental duties. There are thousands of such automobiles, causing a proportionate number of accidents, for which a state or its sub-division, although financially responsible, cannot, under present laws, be made to respond in damages. Accidents due to the driver's negligence, in which the driver alone is injured. Accidents to occupants of an automobile, as, for instance, joy riding parties, where the doctrine of imputed negligence may bar recovery against the negligent motorist. Massachusetts Car Insurance Accidents caused by criminals, thieves, bootleggers, bandits, "hijackers" and others, including operators of stolen automobiles, against whom action at law must necessarily, under any and all conditions, be worthless. Grade crossing accidents, for which the railroads are re-sponsible, and collisions with horse-drawn vehicles, and obstructions on the roadways, for which non-motorists are responsible.
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