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Compulsory, Bodily Injury To Others Massachusetts
Auto Insurance 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 of Massachusetts Auto
Insurance) for information about that Massachusetts insurance.
- If you drive outside of Massachusetts or in places where the public
has no right of access, or if you drive with guests in your car, please
see Optional Bodily Injury to Others (Part 5), for coverage that will
protect you in such situations.
- You could be sued for much more than the required ($20,000/ $40,000)
limits for Bodily Injury to Others. Buying higher limits under the
Optional Bodily Injury to Others (Part 5) coverage may protect you from
large losses. The limits you select will depend on your personal
financial situation; limits of $100,000 per person, $300,000 per
car accident are commonly selected.
Part 2 -
Personal Injury
Protection - (PIP)
Mass Auto insurance 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 insurance pays for
medical expenses, replacement services and 75% of any lost wages.
Your PIP Massachusetts Auto Insurance coverage pays for medical expenses in excess of $2,000 that are
not paid for by your medical insurance only after these expenses have been
submitted to the medical insurer to determine what it will and will not
pay. Your PIP insurance coverage will not pay for expenses over $2,000 that
your medical insurer would have paid if the injured person had sought
treatment in accordance with the terms of your health plan.
- Your health insurance may not cover all of your medical expenses
from an auto accident such as cosmetic and dental services, co-payments
and deductibles. Also, your disability policy may have long waiting
periods. The small savings from the larger deductible may not be worth
it.
- The driver and passengers, while riding a motorcycle, are not
covered by PIP. However, the owner of the motorcycle must purchase this coverage to protect other people who may be injured by the
motorcycle.
- You can save on your premium by excluding yourself, or yourself and
household members, from some or all of this coverage. You should
consider this option in
Massachusetts Auto Insurance if you have a medical and disability income plan.
The portion of each claim you have agreed not to be covered for is
called a "deductible."
*Note: Personal Injury Protection covers owners of cars and motorcycles, and members
of their households, if they are injured while occupying or struck by a
car that does not have Mass Compulsory Insurance.
Part 3
- Un-Insured Motorist Protection
Protects you, anyone you let drive your auto, household members and
passengers (unless covered by another MA Auto Insurance Policy with
similar coverage) against losses caused by an uninsured or unidentified
("hit and run") driver. A minimum auto insurance 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.
Part 4 - Property Damage
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 for Massachusetts Auto
Insurance.
- With the rising costs of autos and property repair, it may make
sense to purchase more than the required $5,000 minimum auto insurance limit. This can
be done at minimal cost. Car insurance limits of $50,000 or $100,000 are frequently
purchased. Note that only 3% of all drivers purchase the $5,000 minimum
for Massachusetts car insurance.
Part 5 - Optional Bodily Injury to Others
(Liability)
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 of
Massachusetts Auto Insurance
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.
- Optional coverage.
- Your automobile is not covered in any country other than the U.S.
and Canada.
- You could be sued and may be liable for much more than the $20,000
per person and $40,000 per accident limits required under Bodily Injury
to Others ( Part 1).
- Buying higher limits under the Optional Bodily Injury insurance to Others
coverage may make good sense if you have assets you wish to protect.
Part 6
- Medical Insurance Payments Coverage
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 of Massachusetts Auto Insurance you can buy is $5,000 if
insuring an automobile and $500 if insuring a motorcycle. |
Part 7
- Collision (Deductibles)
(Optional) -
Insurance pays for collision
damage to your auto, less any applicable deductible, no matter who causes
the accident. If your car is financed, your lender may require this
coverage as well as a particular deductible amount.
Selecting Your Deductible:
Your Massachusetts Auto
Insurance 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. In determining the amount of deductible that is right for
you, decide how much you can afford to pay out of your own pocket in the
event of an accident or loss in which you are at fault, or the other
driver is unidentified. The deductible you choose is the amount you should
expect to pay if you use this coverage option. Information regarding
Selecting Your Deductible also applies to Limited Collision coverage (Part
8) and Comprehensive coverage (Part 9).
Waiver of Deductible for Auto Insurance:
Buying Collision coverage with a "waiver of deductible" means that the
collision deductible you choose will not apply when an accident is
caused by another identifiable driver. 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 amount.
If you are in an accident caused by another identifiable driver
who is uninsured, the waiver of deductible will pay the collision
deductible you selected; however, you must pay additional premium for this
option.
Find out what your car is worth today. If you have a car of low dollar
value, it may be a wise economic choice not to buy the Collision
and Comprehensive coverage unless a lender requires it.
However, if your automobile has substantial value because of its
exceptional condition, such as an antique, classic or restored automobile,
you should have it appraised and then consider insurance coverage in light
of the appraised value.
Part 8
- Limited Collision (Deductibles)
Also 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. Get limited collision
with Massachusetts
Auto
Insurance today.
Part 9 - Comprehensive Insurance (Deductibles)
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 Mass
Auto Insurance coverage.
- If your automobile is stolen, you must report it to the police and
your insurance company. You will be reimbursed for transportation costs
after the first 48 hours following the report.
- You may be denied Comprehensive cover-age or required to pay a
higher extra-risk rate if you own a high-theft vehicle which does
not have a qualifying anti-theft or recovery device. Coverage may be
denied or priced higher under certain other conditions.
Part 10 - Substitute Transportation Coverage
Insurance 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. Get started with
a
Massachusetts Auto Insurance Quote
and start saving money today.
- Your Collision, Limited Collision and Comprehensive coverage will
apply to any other car you rent or use with the consent of the owner,
except a vehicle owned or regularly used by your spouse or a house-hold
member.
- If you can afford to take a cab or rent a car when your car is in
the shop for collision repairs, you may not need Substitute
Transportation coverage.
Part
11 - Towing & Labor
Insurance pays up to $50 for towing and
labor charges each time your auto 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.
Massachusetts Auto Insurance
coverage of up to $100 per disablement is available for additional cost.
- If you belong to a Motor Club in MA, you probably do not need this
insurance coverage since many Motor Clubs’ services include towing and labor.
Part 12
- Underinsured Motorist Protection
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 an 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.
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