Mandatory Coverages

Compulsory Insurance, Parts 1-4: These coverages are required on all Massachusetts Auto policies

Bodily injury to others
Pays for damages (medical expenses, pain and suffering) to anyone injured or killed by your car only in an accident that occurs in Massachusetts.

Personal Injury Protection
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 caused the accident.

Bodily Injury Caused by an Uninsured Auto
Protects you, anyone you let drive your car, household members and passengers (unless covered by another Massachusetts policy with similar coverage) against losses caused by an uninsured or unidentified (hit and run) driver.

Damage to Someone Else’s Property
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 causes an accident.

Optional Coverages

Optional Bodily Injury to Others
Extends your liability protection up to the amount you purchase. Adds coverage in all U.S. States.

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.

Collision
Pays for collision damage to your car, less any applicable deduction, no matter who caused the accident.

Limited Collision
Pays for collision damage to your car if you are not more than 50% at fault and the owner of the vehicle must be identified.

Comprehensive
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.

Collision
Pays for collision damage to your car, less any applicable deduction, no matter who caused the accident.

Substitute Transportation
Reimburses you for car rental or transportation costs, including taxi, bus and train fare (up to $450) while your car is undergoing collision or covered repairs.

Towing and Labor
Pays up to $50 for towing and labor charges each time your car breaks down, whether or not due to an accident.

Bodily Injury Caused By an Underinsured Automobile
Pays for bodily injury damages to you, household members and passengers unless they have a policy of their own, or are covered by another household member with similar coverage.