Coverages You May Buy Optional Insurance
Parts 5 –  12

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 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.

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 to Others coverage may make good sense if you have assets you wish to protect.

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 you can buy is $5,000 if insuring an automobile and $500 if insuring a motorcycle.

7.  Collision

Pays for collision damage to your car, 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 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:

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 automobiles 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.

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.

9.  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, 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 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.

10.  Substitute 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. 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.

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.

11.  Towing and Labor

pays up to $25 for towing and labor charges each time your car 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. Coverage of up to $50 per disablement is available for additional cost.

If you belong to a Motor Club, you probably do not need this coverage since many Motor Clubs’ services include towing and labor.

12.  Bodily Injury Caused By An Underinsured Auto

Pays for bodily injury damages to you, household members and passengers, unless they have a policy of their own, or are covered by a Massachusetts auto policy of another household member with similar coverage. The accident must be caused by someone without enough bodily injury coverage. It 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 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 coverage will NOT pay for damage to property.

PLEASE REMEMBER

Massachusetts law requires a Pre-Insurance Inspection of used private passenger motor vehicles prior to providing coverage for Collision, Limited Collision or Comprehensive. In some cases, the required inspection may be deferred for seven calendar days (not including legal holidays). If your auto is not inspected within the required time, these coverages will be automatically suspended. Your premium will be adjusted if the suspension lasts more than ten days.

If you cancel your insurance policy, no refund will be issued until your insurance company receives a receipt showing that your license plates have been returned to the Registry of Motor Vehicles.

It is your responsibility to make sure that your safety inspection sticker and your registration plates are current. If you fail to renew on time, you may be fined and surcharged. You must pay your premium to avoid cancellation of your insurance. On the effective date, cancellations are electronically reported to the Registry of Motor Vehicles.

If you travel outside of Massachusetts to another state or to Canada, it is a good idea to have your insurance policy or proof of insurance with you. Your agent or insurance company can provide these forms.

If any of your children who are household members obtain a driver’s license you must notify your company within 60 days of that date. You must list all licensed household members and any other licensed person who will customarily operate your auto.

If you or someone on your behalf gives your insurance company false, deceptive, misleading or incomplete information concerning the description and place of garaging of the vehicles to be insured, the names of operators required to be listed and the answers given for all listed operators, your insurance company may refuse to pay your claims under any and all of the Optional Insurance Parts of your policy.