The Massachusetts Auto Insurance Policy: Compulsory Coverage

MassQuotes Auto, home, business and life insurance

The Massachusetts private passenger auto insurance policy is comprised of 12 parts.

The first four parts are compulsory.

They are:

Part 1 – Bodily Injury to Others. On the MA auto insurance policy this mandatory coverage is always: $20,000 per person/$40,000 per accident. This amount cannot be increase or lowered. In order to better protect yourself from liability claims, consumers can purchase improved Part 5, Optional Bodily Injury to Others, coverage +/or consider Personal Liability Umbrella coverage.

Part 2 – Personal Injury Protection. Commonly referred to as “no-fault” coverage, this part of the MA auto policy will pay up to $8,000 for medical expenses, replacement services, and 75% of lost wages. Massachusetts consumers can save money by excluding yourself, or yourself and household members, from some or all of this coverage. In general, we do not recommend limiting this valuable coverage.

Part 3 – Uninsured Motorist Coverage. This compulsary coverage potects you and passengers in your vehicle against losses caused by an uninsured (or unidentified) driver. A minimum limit of $20,000 per person/$40,000 per accident is required. We recommend you carry Uninsured Motorist Coverage in the amount of your Part 5, Optional Bodily Injury to Others, coverage.

Part 4 – Property Damage Coverage. This coverage pays for damageg to naother person’s proeprty and costs associated with the loss of use of theat property, when you, or someone using your vehicle, is at-fault in the accident. Minimum coverage is $5,000 however we recommend minimum limits of, at least, $100,000.

Coming soon, The MA Auto Policy: Optional Coverage …