Massachusetts General Laws

Mass. Gen. Laws ch. 175, § 113C (2026)

Notice to registrar of companies authorized to issue motor vehicle liability policies or to act as surety upon motor vehicle liability bonds; mandatory offer of additional coverage; limits

✓ current as of July 2026

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Section 113C. The commissioner shall forthwith notify the registrar of motor vehicles of the names of all companies as they become or cease to be authorized to issue motor vehicle liability policies or to act as surety upon motor vehicle liability bonds, both as defined in section thirty-four A of chapter ninety.

Except for coverages which insurers may refuse to offer under the provisions of paragraph (A) of section one hundred and thirteen H, no company shall issue such motor vehicle liability policies or act as surety upon such motor vehicle liability bonds unless it makes a mandatory offer to issue to any person purchasing such policy or bond, at his option, additional coverage, beyond that required by section thirty-four A of chapter ninety, of at least fifteen thousand dollars on account of injury to or death of one person and at least forty thousand dollars on account of any one accident resulting in injury to or death of more than one person, and of the combination of bodily injury liability off the ways of the commonwealth and liability for guest occupants on and off the ways of the commonwealth, of medical coverage, so-called, to a limit of at least five thousand dollars, or fire and theft coverage and comprehensive coverage as limited by section one hundred and thirteen O, and of uninsured motor vehicle coverage, additional coverage beyond that required by section one hundred and thirteen L of at least fifteen thousand dollars on account of injury to or death of one person and forty thousand dollars on account of any one accident resulting in injury to or death of more than one person, provided that such additional amount of uninsured motor vehicle coverage chosen shall not exceed the amount of additional bodily injury coverage chosen under this section.

Notes of Decisions

Cited in 26 cases (1 in the last 5 years), 1969–2025 · leading case: Ins. Rating Bd. v. Comm'r of Ins., 248 N.E.2d 500 (Mass. 1969).

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Ins. Rating Bd. v. Comm'r of Ins., 248 N.E.2d 500 (Mass. 1969). · cites it 15× “" Section 3 of the act amended G.L.c. 175, § 113C, to require insurance companies authorized to issue compulsory bodily injury liability coverage policies or bonds "to issue to any person purchasing such policy or bond, at his option, additional coverage .”

Metro. Prop. & Cas. Ins. v. Blue Cross & Blue Shield of Massachusetts, Inc., 885 N.E.2d 825 (Mass. 2008). · cites it 7× “Beginning in 1968, however, under G. L. c. 175, § 113C, automobile insurers doing business in the Commonwealth have been required to offer every person purchasing a policy the option of purchasing “medical coverage, so called, .”

Johnson v. Hanover Ins., 508 N.E.2d 845 (Mass. 1987). · cites it 3× “175, § 113L, or the insured be given the option of insuring against, G. L. c. 175, § 113C. The instant case raises the applicability of the Cardin holding to a household member other than the named insured.”

Santos v. Lumbermens Mut. Cas. Co., 556 N.E.2d 983 (Mass. 1990). · cites it 2× “), and the $15,000 mandatorily-offered optional additional underinsurance coverage of G. L. c. 175, § 113C (1988 ed.). 1. Stacking.”

Mendez v. Brites, 849 A.2d 329 (R.I. 2004). · cites it 2× “hicle liability bonds unless it makes a mandatory offer to issue to any person purchasing such policy or bond, at his option, additional coverage, beyond that required by section thirty-four A of chapter ninety * * * of the combination of bodily inju *335 ry liability off the…”

Aetna Cas. & Sur. Co. v. Comm'r of Ins., 263 N.E.2d 698 (Mass. 1970). · cites it 3× “The rates *280 for some optional coverage to certain limits (for excess personal injury and death coverage, for extra territorial coverage, for guest coverage, for medical payments and for property damage) are subject to the approval of the Commissioner under G. L. c. 175, §…”

Golchin v. Liberty Mut. Ins., 993 N.E.2d 684 (Mass. 2013). “175, § 111C, and required by G. L. c. 175, § 113C, to offer insured individuals the option of buying MedPay benefits of at least $5,000.”

Ins. Rating Bd. v. Comm'r of Ins., 268 N.E.2d 144 (Mass. 1971). · cites it 3× “175, § 113B, of an order fixing and establishing 1970 rates pursuant to G. L. c. 175, § 113C, for automobile property damage liability insurance and for automobile medical payments insurance.”

Boone v. Com. Ins., 884 N.E.2d 483 (Mass. 2008). “With respect to such benefits, and to medical coverage contained in [G. L. c. 175, § 113C], no insurer shall refuse to pay a bill for medical services submitted by a practitioner registered or licensed under the provisions of chapter one hundred and twelve, if such refusal is…”

Gordon v. Saf. Ins. Co., 632 N.E.2d 1187 (Mass. 1994). “See G. L. c. 175, § 113C, as amended through St.”

Wincek v. United States Fid. & Guar. Co., 545 N.E.2d 617 (Mass. App. Ct. 1989). · cites it 2× “Each of the three policies issued to the plaintiff provides: “You may have two or more auto policies with us covering the same claim. In that case, the most we will pay is the highest amount payable under the applicable coverage in any one of those policies.”

LeCuyer v. Metro. Prop. & Liab. Ins., 519 N.E.2d 263 (Mass. 1988). “692, 694-695 [1986]), and as to such limits which must be offered and are accepted (see G. L. c. 175, § 113C [up to $25,000/60,000]; Johnson v.”

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