Auto Insurance
Protection for Yourself, Your Family, and Your Cars

The Massachusetts Automobile Policy is actually made up of 12
parts. The first four parts listed below are required based on
Massachusetts law and are referred to as Compulsory
Insurance. The remainder are Optional Insurance, and are not
required by law. However, these coverages provide additional
insurance protection at a reasonable price.

A brief explanation of each coverage part is listed below. For a
complete explanation, please review your policy or contact us.

Compulsory Coverage

Part 1: Bodily Injury to Others (required)

Covers damages (e.g., medical expenses, pain and suffering) to
someone else resulting from an accident on the public roads of
Massachusetts up to $20,000 per person and $40,000 per
accident.  This coverage can optionally be increased to protect
from large losses or a potential lawsuit for more than the
required limit.

Part 2: Personal Injury Protection (required)

The benefits under this part are commonly known as "PIP" or
"No-Fault" benefits. PIP benefits include medical expenses in
excess of $2,000 not reimbursed by medical insurance, 75% of
lost wages, and replacement services for anyone driving your
car, passengers and pedestrians.  Motorcycle operators and
passengers are not covered, however this coverage must still be
purchased to protect other people who may be injured by the

Part 3: Bodily Injury Caused by an Uninsured Auto (required)

This coverage pays damages for bodily injury resulting from
certain accidents caused by uninsured or hit-and-run autos to
anyone driving your car and passengers (unless covered by
another similar Massachusetts policy).  This coverage does not
pay for property damage or damage to your vehicle.

Part 4: Damage to Someone Else's Property (required)

This coverage pays for damages to someone else whose auto
or other property is damaged in an accident caused by the driver
of your vehicle.  While the minimum required limit is $5,000, we
recommend increasing the limit to $100,000 at minimal
additional charge to cover the increasing costs of vehicle and
property repair

Optional Coverage

Part 5: Optional Bodily Injury to Others

This coverage pays for injuries to other people injured or killed in
accidents if you or a household member is legally responsible
for the accident. Unlike the Compulsory part, this coverage does
provide coverage for injuries to guest occupants and for
accidents occurring anywhere in the U.S. and Canada.  We
recommend  limits of $100,000 per person and $300,000 per
accident to ensure your assets are better protected.

Part 6: Medical Payments

This coverage pays for reasonable expenses for necessary
medical and funeral services for yourself and your passengers
incurred as the result of an accident regardless of who is at fault.

Part 7: Collision

This coverage pays for any direct and accidental damage to your
auto caused by a collision, less the applicable deductible unless
another identified driver is at fault and the waiver of deductible is
selected (which we recommend).  Vehicle financing lenders
typically require this coverage with a maximum allowable
deductible amount.

Part 8: Limited Collision

This coverage will pay in some situations for direct and
accidental damage to your auto caused by a collision. Coverage
is only provided for multiple car accidents in which the driver of
your vehicle is no more than 50% at fault and the other
operator(s) can be identified.

Part 9: Comprehensive

Under this coverage we will pay for direct and accidental damage
to, or loss of your auto, other than damage caused by a collision
(e.g., fire, theft, vandalism, glass breakage, hitting an animal),
less the applicable deductible. Personal property permanently
installed in the vehicle (e.g., stereo) is covered. Vehicle financing
lenders typically require this coverage with a maximum allowable
deductible amount.

Part 10: Substitute Transportation

This coverage reimburses you, up to the limits shown on the
declaration page, in certain situations if your auto was in a
collision and is being repaired or replaced.

Coverage is provided if your auto cannot be used because of
damage or loss, including theft, that is covered under

Your collision, limited collision, and comprehensive coverage
apply to any other vehicle rented or used with consent by the
owner, unless owned or regularly operated by a spouse or
household member.

Part 11: Towing and Labor

This coverage pays for towing and labor costs, up to the limit
shown on the declaration page, incurred each time your auto is
disabled. On-site labor costs at the breakdown site to get the
vehicle running again are covered also.

Motor club members typically do not need this coverage.

Part 12: Bodily Injury Caused By An Underinsured Auto

This coverage pays for damages for bodily injury to the vehicle
operator and passengers (unless they have policies of their own
or have similar coverage on another Massachusetts auto policy)
as the result of certain accidents caused by someone who does
not have enough bodily injury coverage. It pays up to the
difference between the total amount collected from the bodily
injury liability insurance covering the owner and driver of the other
vehicle, and the limits purchased for this coverage. This
coverage will not pay for property damage.  We recommend  
limits of $100,000 per person and $300,000 per accident to
ensure increasing personal injury expenses are covered.
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9 Monument Ave., Marlboro MA 01753 • 545 Park Ave., Worcester MA 01610
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