MA Auto Policy: Optional Coverage

MA Auto Insurance: Optional Coverage

Parts 5 – 12 of the Massachusetts Auto Policy are known as “Optional Coverage.”

Let’s take a quick look see:

Part 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 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.

Part 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 of Massachusetts Auto Insurance you can buy is $5,000 if insuring an automobile and $500 if insuring a motorcycle.

Part 7, Collision Coverage – 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.

Part 8, Limited Collision – 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 Coverage –  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.

Part 10, Subsitute 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.

Part 11, Towing & Labor –  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.

Part 12, Underinsured Motorist Coverage –  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 Insurancepolicy of another household member with similar coverage. The accident must be caused by someone without enough bodily injury coverage. MA 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.