Massachusetts Auto Insurance Coverages

166 Center Street
Pembroke, MA 02359

Phone 781-293-5500
Fax 781-293-7943

Massachusetts Auto Insurance
Coverage Explanations

The descriptions below are not meant to be a substitute for the Massachusetts Automobile Insurance Policy. Always refer to your policy for the exact terms and conditions for your automobile insurance.

Coverages You Must Buy

Bodily Injury to Others(BI), Part 1
Pays for damages to anyone injured or killed by your car only in Massachusetts, up to a basic limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered. See Optional Bodily Injury to Others if you drive outside Massachusetts or if you drive with guests in your car.

Personal Injury Protection(PIP), Part 2
This covers you, anyone else in your car, and pedestrians, regardless of fault for:

~ medical expenses

~ 75% of lost wages

~ replacement services

PIP pays up to $8,000 for these damages.
NOTE: Excludes people on motorcycles.

Bodily Injury Caused by an Uninsured Auto, Part 3
Protects you, household members and passengers(unless covered by another Mass policy with similar coverage) against medical expenses and lost earnings caused by an uninsured or unidentified("hit and run") driver. A minimum limit of $20,000 per person and $40,000 per accident is required. ~The cost to increase this coverage is minimal. However, the limit cannot be higher than Part 5.

Damage to Someone Else's Property, Part 4
Pays for damage to another person's property damage, and costs associated with the loss of use of that property, when you , a household member or authorized driver cause an accident. A minimum limit of $5,000 is required. ~We recommend $100,000 for this coverage as it costs an average of $2 to increase the limit from $50,000 to $100,000.

Coverages You May Buy

Optional Bodily Injury to Others, Part 5
This extends your coverage out-of-state and for guest occupants that are excluded from Part 1. This is your lawsuit protection.
~If you have any assets you wish to protect such as a home we recommend increasing this limit to $100,000/$300,000.

Medical Payments, Part 6
Covers medical expenses for you, your household members and passengers, over and above amounts covered by PIP regardless of fault. The minimum you can buy is $5,000.
~We recommend this coverage especially for people insuring motorcycles as you have no coverage under PIP. The cost is relatively cheap for the coverage.

Collision, Part 7
Pays for collision damages to your car, regardless of fault. If your car is financed, your lender may require you to carry this coverage.
The standard deductible for this coverage is $500. For most people this is the most cost effective deductible.
Waiver of Deductible: If you are 50% or less at fault and can identify the other party, your deductible will be waived.

Limited Collision, Part 8
Pays for collision damage, but only if you are 50% or less at fault and can identify the other party.

Comprehensive, Part 9
This covers damage to your car other than by collision. Such as fire, theft, vandalism, and glass breakage. This coverage includes up to $15 a day for substitute transportation until your stolen auto is recovered(up to a limit of $450). If your car is financed, your lender may require you to carry this coverage.
The standard deductible for this coverage is $500. However, depending upon your situation it may be more cost effective to have a $300 deductible.

Substitute Transportation, Part 10
Pays up to $15($450 limit) a day for car rental or other transportation costs, including taxi, bus or train fare, while your car is undergoing collision repairs. Coverage of $30 a day is available for additional cost($900 limit).
~If you choose this coverage we strongly recommend you choose the higher limit as it is almost impossible to find a rental car for $15 a day.

Towing & Labor, Part 11
Pays up to $25 for towing and labor charges each time your car breaks down. Repair parts are not covered. Coverage of up to $50 is available for an additional cost.
~If you choose this coverage we recommend the higher limit as it is relatively cheap to increase the limit(cost $8 instead of $4 on average).

Bodily Injury Caused by an Underinsured Auto, Part 12
Protects you, household members and passengers(unless covered by another Mass policy with similar coverage) for bodily injury damages when the accident is caused by someone without enough insurance.
~The cost to increase this coverage is minimal. However, the limit cannot be higher than Part 5.

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