The Massachusetts automobile insurance policy has twelve (12) parts. Parts 1 - 4 are mandatory, while Parts 5 - 12 are optional. (Part 5, however, is highly recommended.)
PART 1 -- Bodily Injury to Others (BI)
Pays for damages to people injured or killed by your vehicle in an accident that occurs in Massachusetts (up to $20,000 per person and $40,000 per accident). Injuries to the driver or passengers in your vehicle are not covered here but are covered under Part 2.
PART 2 -- Personal Injury Protection (PIP)
Pays up to $8000 for medical expenses and lost wages to you, anyone you let drive your car, passengers, or pedestrians who are injured as a result of your car being in an accident, regardless of who is at fault.
PART 3 -- Uninsured Motorist (UM)
Pays for medical expenses and lost earnings incurred by you or your passengers who are injured or killed in an accident caused by an uninsured or unidentified ("hit-and-run") vehicle.
PART 4 -- Property Damage (PD)
Pays for damages to another person's automobile or other property when you or someone you let drive your car causes an accident.
PART 5 -- Bodily Injury to Others (extra-territorial coverage)
Allows for the selection of liability coverages beyond the minimum of $20,000 per person and $40,000 per accident required in Part 1. Also extends the liability coverage in Part 1 to include accidents occurring outside of Massachusetts (throughout the U.S. and Canada) and to guest occupants in your v
PART 6 -- Medical Payments
Pays for medical expenses incurred by you or your passengers over and above the amounts covered under Part 2.
PART 7 -- Collision
Pays for damages to your vehicle in an accident, regardless of who caused the accident. The standard deductible is $500, but deductibles of $300, $1000, and $2000 are also available. If you purchase the "waiver of deductible" endorsement, you will not have to pay the deductible if the accident is caused by another identifiable driver.
PART 8 -- Limited Collision
Pays for damages to your vehicle in an accident, but only if you are not more than 50% at fault and only if the other vehicle can be identified (i.e., "hit and run" accidents are not covered). The standard deductible is $500, but deductibles of $0, $300, $1000, and $2000 are also available.
PART 9 -- Comprehensive
Pays for damages to your vehicle resulting from fire, theft, missiles, falling objects, earthquake, flood, windstorm, hail, and vandalism--but not from collision. In the event that your vehicle is stolen, this covhis coverage includes up to $15 per day for substitute transportation--for up to 30 days or until your vehicle is recovered. The standard deductible is $500, but deductibles of $300, $1000, and $2000 are also available. The standard deductible for glass loss is $0.
PART 10 -- Substitute Transportation
Pays up to $15 per day (for up to 30 days) for car rental or other transportation expenses while your car is undergoing collision repairs. Coverage for up to $30 per day is available for an additional premium.
PART 11 -- Towing and Labor
Pays up to $25 for towing and labor costs that are incurred each time your vehicle becomes disabled. Coverage for up to $50 per disablement is available for an additional premium.
PART 12 -- Underinsured Motorist (UIM)
Pays for medical expenses and lost earnings incurred by you or your passengers who are injured or killed in an accident caused by someone who does not have enough insurance to cover the loss. This coverage pays you the difference between the amount collected from the other (at-fault) driver's insurance policy and the limits purchased under this Part.
The premium rates for each of the above coverages are based on the actual options selected and several other factors, as discussed under General Insurance Information.
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