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Automobile Coverage Options
Your auto policy is broken down into a series of subsections. The state of Massachusetts publishes a brochure, which should be reviewed. It is an informative and detailed brochure entitled. "Your Consumer Guide, Ways to Save on your 2006 Massachusetts Automobile Insurance".
Click here to download the pdf file of the brochure.
Summary of brochure
click section(s) below for more information.
Part 01. Bodily Injury to Others
Part 02. Personal Injury Protection (PIP)
Part 03. Bodily Injury Caused by an Uninsured Auto
Part 04. Damage to Someone Else's Property
Part 05. Optional Bodily Injury to Others
Part 06. Medical Payments
Part 07. Collision
Part 08. Limited Collision
Part 09. Comprehensive
Part 10. Substitute Transportation
Part 11. Towing and Labor
Part 12. Bodily Injury Caused By An Underinsured Auto
 
Part 1. Bodily Injury to Others Return to top
Pays for damages to anyone injured or killed by your car only in an accident that occurs in Massachusetts, up to the basic limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passenger in your car are not covered under this part.
COVERAGE: $20,000 PER PERSON, $40,000 PER ACCIDENT
Part 2. Personal Injury Protection (PIP) Return to top
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.
COVERAGE: $8,000 PER PERSON
Part 3. Bodily Injury Caused by an Uninsured Auto Return to top
Protects you, anyone you let drive your car, household members and passengers against losses caused by an uninsured or unidentified 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 auto.
Choices are:
| | $20,000/$40,000 |
| | $25,000/$50,000 |
| | $35,000/$80,000 |
| | $50,000/$100,000 |
| | $100,000/$300,000 |
| | $250,000/$500,000 |
Part 4. Damage to Someone Else's Property Return to top
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.
COVERAGE: $100,000 PER ACCIDENT
Part 5. Optional Bodily Injury to Others Return to top
Extends your liability protection up to the amount you purchase under this part. The option provides coverage for accidents beyond Massachusetts to anywhere in the United States, its territories or possessions, or Canada. This coverage also pays for damages suffered by guests in your auto.
Choices are:
| | $20,000/$40,000 |
| | $25,000/$50,000 |
| | $35,000/$80,000 |
| | $50,000/$100,000 |
| | $100,000/$300,000 |
| | $250,000/$500,000 |
Part 6. Medical Payments Return to top
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.
Choices are:
| | None |
| | $5,000 |
| | $10,000 |
| | $15,000 |
| | $20,000 |
| | $25,000 |
| | $50,000 |
| | $100,000 |
Part 7. Collision Return to top
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.
Choices are:
| | None |
| | $300 |
| | $500 |
| | $1,000 |
| | $2,000 |
Part 8. Limited Collision Return to top
Also pays for collision damage to your car. You must not be more than 50% at fault; the owner of the other vehicle must be identified.
Choices are:
Part 9. Comprehensive Return to top
Pays for damage to or loss of your car, less any applicable deductible resulting from perils such as fire, theft, vandalism, and striking an animal, but not collision. Personal property is not covered.
Choices are:
| | None |
| | $300 |
| | $500 |
| | $1,000 |
| | $2,000 |
Part 10. Substitute Transportation Return to top
Reimburses up to $15.00, $30.00, $45.00, $100.00 a day for a car rental or transportation costs including taxi, bus and train fare (up to $450, $900, $1,350, $3,000), while your car is undergoing collision or covered repairs. Coverage of up to $100 a day (up to a limit of $3,000) is available for an additional cost.
Choices are:
| | None |
| | $15/day |
| | $30/day |
| | $45/day |
| | $100/day |
Part 11. Towing and Labor Return to top
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 on site labor costs at the breakdown site needed to get your car running again. Coverage of up to $50 per disablement is available for additional cost.
Choices are:
Part 12. Bodily Injury Caused By An Underinsured Auto Return to top
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's. Someone without enough bodily injury coverage must cause the accident. It pays you up to the difference between the total amount collected from the bodily injury liability insurance covering the owner of the other car, and the limits you purchased for this coverage.
Choices are:
| | $20,000/$40,000 |
| | $25,000/$50,000 |
| | $35,000/$80,000 |
| | $50,000/$100,000 |
| | $100,000/$300,000 |
| | $250,000/$500,000 |
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