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).

At the time of an accident, it is easy to get flustered. With this in mind, we offer some basic tips.

What to do in case of Accident: 

1. Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
2. If there is significant damage to any of the vehicles or any potential injuries call 9-1-1 immediately.
3. Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
4. Get the names, addresses, and telephone numbers of witnesses.
5. Express no opinion as to who was at fault. Give no information except for as required by the authorities. Do not sign any statements unless required by authorities.
6. For prompt claims help contact your Independent Massachusetts Agent!