Mass Insurance
Part 12 - Bodily Injury
12. Bodily Injury Caused By An Underinsured Auto
-
Massachusetts Insurance 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 insurance policy of another household member with similar coverage. The
accident must be caused by someone without enough bodily injury coverage.
Mass insurance 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.
- Since many people buy only minimum required auto insurance amounts for Bodily
Injury to Others, selecting higher limits may protect you from incurring
high personal injury expenses. You may purchase coverage up to, but no
more than, the limits of the Bodily Injury to Others coverage you carry.
- This
Massachusetts
Auto Insurance coverage will NOT pay for damage to property.
PLEASE REMEMBER:
- Mass Insurance law requires a Pre-Insurance Inspection of used
private passenger motor vehicles prior to providing coverage for
Collision, Limited Collision or Comprehensive. In some cases, the
required inspection may be deferred for seven calendar days (not
including legal holidays). If your auto is not inspected within the
required time, this coverage will be automatically suspended. Your
premium will be adjusted if the suspension lasts more than ten days.
- If you cancel your insurance policy, no refund will be issued until
your Massachusetts insurance company receives a receipt showing that your license
plates have been returned to the Registry of Motor Vehicles.
- It is your responsibility to make sure that your safety inspection
sticker and your registration plates are current. If you fail to renew
on time, you may be fined and surcharged. You must pay your premium to
avoid cancellation of your insurance. On the effective date,
cancellations are electronically reported to the Registry of Motor
Vehicles.
- If you travel outside of Mass to another state or to
Canada, it is a good idea to have your Mass insurance policy or proof of
insurance with you. Your
independent agent or insurance company can provide these
forms.
- If any of your children who are household members obtain a driver’s
license you must notify your insurance company within 60 days of that date. You
must list all licensed household members and any other licensed person
who will customarily operate your auto.
- If you or someone on your behalf gives your insurance company false,
deceptive, misleading or incomplete information concerning the
description and place of garaging of the vehicles to be insured, the
names of operators required to be listed and the answers given for all
listed operators, your insurance company may refuse to pay your claims
under any and all of the Optional Insurance Parts of your policy.
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Massachusetts Auto Insurance Coverage |
