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The Massachusetts Automobile Policy: The 12 Coverage Parts

How much auto insurance do I need to buy?

There are two kinds of auto insurance: Compulsory (Parts 1-4 on your policy) and Optional (Parts 5-12 on your policy). The Commonwealth of Massachusetts requires you to purchase Compulsory Insurance.

Compulsory insurance includes:

  • Bodily Injury to Others
  • Personal Injury Protection (PIP)
  • Bodily Injury Caused by an Uninsured Auto
  • Damage to Someone Else's Property:

Optional Insurance includes:

  • Optional Bodily Injury to Others (extends the amount of protection you purchased under Bodily Injury to Others)
  • Medical Payments
  • Collision
  • Limited Collision
  • Comprehensive
  • Substitute Transportation
  • Towing and Labor
  • Bodily Injury Caused by an Underinsured Auto

Protection for Yourself, Your Family, and Your Cars

The Massachusetts Automobile Policy is actually made up of 12 parts. The first four parts listed below are required based on Massachusetts law and are referred to as Compulsory Insurance. The remainder are Optional Insurance, and are not required by law. However, these coverages provide additional insurance protection at a reasonable price.

A brief explanation of each coverage part is listed below.

Bodily Injury to Others (required)
Covers injuries to someone else resulting from a Massachusetts accident.

Personal Injury Protection (required)
The benefits under this part are commonly known as 'PIP' or 'No-Fault' benefits. PIP benefits include medical expenses, lost wages, and replacement cost services.

Bodily Injury Caused by an Uninsured Auto (required)
This coverage pays damages for bodily injury resulting from certain accidents caused by uninsured or hit-and-run autos.

Damage to Someone Else's Property (required)
This coverage pays for damages to someone else whose auto or other property is damaged in an accident.

Optional Bodily Injury to Others
This coverage pays for damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. Unlike the Compulsory part, this coverage does provide coverage for injuries to guest occupants and for accidents occurring outside of Massachusetts.

Medical Payments
This coverage pays for reasonable expenses for necessary medical and funeral services to yourself and your passengers incurred as the result of an accident.

Collision
This coverage pays for any direct and accidental damage to your auto caused by a collision.

Limited Collision
This coverage will pay in some situations for direct and accidental damage to your auto caused by a collision. Coverage is only provided for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault.

Comprehensive
Under this coverage we will pay for direct and accidental damage to, or loss of your auto, other than damage caused by a collision.

Substitute Transportation
This coverage reimburses you, up to the limits shown on the declaration page, in certain situations if your auto was in a collision and is being repaired or replaced.
Coverage is provided if your auto cannot be used because of damage or loss, including theft, that is covered under Comprehensive.

Towing and Labor
This coverage pays for towing and labor costs, up to the limit shown on the declaration page, incurred each time your auto is disabled.

Bodily Injury Caused By An Underinsured Auto
This coverage pays for damages for bodily injury as the result

Additional Optional Insurance Coverages to Consider:

Accident Forgiveness
Replacement Part Coverage
Roadside
Gap Coverage
OEM Coverage
Pet Coverage

ASK HERLIHY...

To read more on Massachusetts auto coverage, click on one of the links below.

The Massachusetts Automobile Policy: The 12 Coverage Parts

The Massachusetts Automobile Policy: Discounts

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