The Massachusetts Private Passenger Auto insurance policy consists of 12 parts, as follows:
Part 1, Bodily Injury to Others – $20,000 per person/$40,000 per accident (compulsory)
Part 2, Personal Injury Protection – (compulsory, self & household deductible available): $8,000. No-fault coverage.
Part 3, Bodily Injury Caused By An Uninsured Auto – protects driver & occupants against other, uninsured drivers. We recommend you match your Parts 3 & 12 to your Part 5 (Optional Bodily Injury to Others).
Part 4, Damage to Someone Else’s Property – traditional coverage amount is: $100,000. Coverage can be increased (& lowered) to $250,000 with most companies for about $16 per year. Lesser limits are available but the savings isn’t very much.
Part 5, Optional Bodily Injury to Others Coverage – injury to others and lawsuit coverage. This is the coverage the other party will go to if you injure someone in an at-fault auto accident. This is your policy’s “first line of defense” to protect your assets. We recommend limits of, at least, $100,000 per person/$300,000 per accident.
Part 6, Medical Payments – first dollar (no deductible) medical payments coverage which is available to driver & guest occupants. Medical payments coverage can help supplement health insurance coverage.
Part 7, Collision Coverage – coverage protects the value of your vehicle. If at fault in the accident or if a “hit & run,” coverage is subject to policy’s deductible.
Part 8, Limited Collision Coverage – option if you have an older vehicle and you don’t want to carry collision coverage. Coverage allows consumer to collect through own company if not an at-fault accident.
Part 9, Comprehensive Coverage (fire, theft, vandalism) – coverage is available for damage done to your car by anything other than a collision claim. Coverage is subject to the policy deductible, first dollar (no deductible) coverage for glass claims.
Part 10, Substitute Transportation – available coverage amounts: $15 per day/$450 ($12 per year); $30 per day/$900 ($52 per year). Coverage pays for rental while vehicle is in the shop for accident related vehicle repairs.
Part 11, Towing & Labor – available coverage amounts: $50 per disablement ($8 per year); $100 per disablement ($16 per year).
Part 12, Bodily Injury Caused By An Underinsured Auto– protects driver & guest occupants against other, underinsured drivers. Drivers that carry less Part 5 limits than you. We recommend you match your Parts 3 & 12 to your Part 5 (Optional Bodily Injury to Others).