1
Bodily lnjury
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,
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 under
this Part; please refer to Personal Injury Protection (Part 2) for
information about that coverage. |
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 another Massachusetts Policy 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 auto. |
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. |
|
Optional Insurance Parts 5-12
|
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,
or Canada. This coverage also pays for injuries suffered by guests
in your auto. |
|
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 $5000 if
insuring an automobile and $500 if insuring a motorcycle. |
| 7
Collision |
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. |
|
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 identified. |
| 9
Comprehensive |
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. This coverage allows up to $15 a day
(to a limit of $450) for substitute transportation (rental or other
transportation costs including taxi, bus and train fare) until your
stolen auto is recovered. 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 up to $100 a day (up to a limit of
$3,000) is available for an additional cost. Even if you have this
coverage, some car rental agencies may refuse to rent to you if you
are under a certain age, are a poor credit risk, do not have an acceptable
credit card, or have an unacceptable driving record. |
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.
It pays you up to the difference between the total amount collected
from the bodily injury liability insurance covering the owner and
driver of the other car, and the limits you purchased for this coverage. |
