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Personal Auto Insurance Coverage
Following is a brief overview of the coverage available on a Massachusetts personal automobile policy. Please refer to your policy or a specimen policy for specific coverage details and limits. Additional information can be found at the Massachusetts Division of Insurance’s web site.
For your convenience, the coverage parts below are presented in the same order as on a personal auto policy.
Coverage You Must Buy: Compulsory Insurance
1. Bodily Injury to Others
Pays for damages (e.g. medical expenses, pain and suffering) to anyone injured or killed by your car only in an accident that occurs in Massachusetts. Coverage is limited to $20,000 for injuries to one person and a total of $40,000 to two or more people injured in the same accident. Injuries to guest occupants of your car are not covered (refer to part 2, Personal Injury Protection).
2. Personal Injury Protection (PIP)
Pays up to $8,000 to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. Personal Injury Protection pays for medical expenses, replacement services, and 75% of any lost wages.
3. Bodily Injury Caused By An Uninsured Auto
Protects you, anyone you let drive your car, household members, and passengers (unless covered by a Massachusetts auto policy of another household member with similar coverage) against losses 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. This coverage does not pay for property damage or damage to your car.
4. Damage to Someone Else’s Property
Pays for damage to another person’s property and costs associated with the loss of use of that property when you, a household member, or another authorized driver cause an accident. A minimum limit of $5,000 is required.
Coverage You May Buy: Optional Insurance
5. Optional Bodily Injury to Others
Extends your liability protection (the basic $20,000/$40,000 limits under Bodily Injury to Others) up to the amount you purchase under this part. This option provides coverage for accidents beyond Massachusetts to anywhere in the United States, its territories or possessions, and Canada. This coverage also pays for damages suffered by guests in your auto.
Your car is only covered in the U.S. and Canada. Your car is not covered in any other country.
6. Medical Payments
Covers medical expenses for you, your household members and passengers, over and above amounts covered by Personal Injury Protection no matter who caused the accident. The minimum amount you can buy is $5,000
Pays for collision damage to your car, less any applicable deductible, no matter who causes the accident. If your car is financed, your lender may require you to buy this coverage and may even require a particular deductible amount.
Your deductible will be set at $500 unless you select a different amount. You can always save on your premium by choosing a larger deductible where one is offered.
Waiver of Deductible
The Waiver of Deductible endorsement completely eliminates your deductible when another party is 50% or more at fault and can be identified. This is most helpful when there is an uninsured, identifiable driver. If you are in an accident caused by another identifiable driver who is insured, their (Part 4) coverage Damage to Someone Else’s Property will pay your automobile’s damages to the limit they purchased. You will not have to pay the deductible.
8. Limited Collision
Pays for collision damage to your car. You must not be more than 50% at fault, and the owner of the other vehicle must be identifiable.
Pays for damage to or loss of your car, less any applicable deductible resulting from perils such as fire, theft and vandalism, but not collision. This coverage includes up to $15 a day (up to a limit of $450) for substitute transportation (car rental or other transportation costs including taxi, bus and train fare) if your car is stolen.
A deductible of $500 applies to all losses, unless another deductible is chosen by the policyholder.
Personal property is not covered unless it is permanently installed in your car, such as a tape deck.
If your car is financed, your lender may require this coverage.
10. Substitute Transportation
Reimburses up to $15 a day for car rental or transportation costs including taxi, bus and train fare (up to $450), while your car is undergoing collision or covered repairs.
Coverage of $30 a day (up to a limit of $900) is available for an additional cost.
11. Towing and Labor
Pays up to $25 for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on site labor costs at the breakdown site (not any parts) needed to get your car running again.
Coverage of up to $50 per disablement is available for additional cost.
12. Bodily Injury caused by An Underinsured Auto
Pays for bodily injury damages to you, household members and passengers, unless they have a policy of their own, or are covered by a Massachusetts auto policy of another household member with similar coverage. The accident must be caused by someone without enough bodily injury coverage.
The amount of insurance under this part is the difference between the at fault drivers coverage and your underinsured limits.