The heart of your Massachusetts auto insurance policy is your liability limits.
Specifically, Part 5, Optional Bodily Injury to Others.
Part 5 is the coverage available to an injured party to make them whole again, if you are in an at-fault accident.
This is your lawsuit coverage, the amount your insurance company will pay out before you are on your own. In addition to coverage limits, insurance companies provide legal defense. When you purchase improved liability limits you, in essence, also purchase improved legal defense.
Our independent, MA insurance agency (Johnson & Rohan Insurance) recommends you carry at least limits of $100,000 per person/ $300,000 per accident and suggest you consider $250,000 per person/ $500,000 per accident limits and personal liability umbrella coverage.
In addition, we recommend you match your Parts 3 & 12, Uninsured and Underinsured Motorist Protection, to match your Part 5 limits.
Parts 3 & 12 protect you and guest occupants from other drivers that are either uninsured or those that carry lesser limits than you carry.