JEFF CARBONE INSURANCE AGENCY, INC.
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JEFF CARBONE INSURANCE AGENCY, INC.
AUTO
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Auto Insurance Coverage
This page will give you an explanation of all the coverage’s on the Massachusetts Auto Policy. Just click on the coverage section that you would like to view. Compulsory Insurance Parts 1 – 4 (This coverage must be carried on your insurance)
Optional Insurance Parts 5 – 12 (This coverage you may buy) 1. Bodily Injury to Others – pays for damages (e.g. medical expenses, pain and suffering) to anyone injured or killed by your car only in an accident that occurs in Massachusetts up to a basic limit of $20,000 per person and $40,000 per accident (see part 5). Injuries to the driver or passengers in your car are not covered under this part. 2. Personal Injury Protection (PIP) – pays up to $8,000 to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. Personal Injury Protection pays for medical expenses, replacement services and 75% of any lost wages. Your PIP coverage pays for medical expenses in excess of $2,000 that are not paid for by your medical insurance only after these expenses have been submitted to the medical insurer to determine what it will and will not pay. Your PIP Coverage will not pay for expenses over $2,000 that your medical insurer would have paid if the injured person had sought treatment in accordance with the terms of your health plan.
3. Bodily Injury Caused By An Uninsured Auto – protects you, anyone you let drive your car, household members and passengers (unless covered by another Massachusetts Policy with similar coverage) against losses caused by an uninsured or unidentified ("hit and run") driver. A minimum limit of $20,000 per person and $40,000 per accident is required. This coverage does not pay for property damaged or damage to your auto. 4. Damage To Someone Else’s Property – pays for damage to another person’s property and costs associated with the loss of use of that property, when you, a household member or another authorized driver causes an accident. 5. Optional Bodily Injury to Others – extends your liability protection (the basic $20,000/$40,000 limits under part 1) up to the amount you purchase under this part. This option provides coverage for accidents beyond Massachusetts to anywhere in the United States or Canada. This coverage also pays for damages suffered by guests in your auto.
6. Medical Payments – covers medical expenses for you, your household members and passengers, over and above amounts covered by PIP no matter who causes the accident. 7. Collision – pays for collision damage to your car, less any applicable deductible, no matter who causes the accident. If your car is financed, your lender may require this coverage as well as a particular deductible amount. 8. Limited Collision – also pays for collision damage to your car. You must not be more than 50% at fault and the owner of the other vehicle must be identified. 9. Comprehensive – pays for damage to or loss of your car, less any applicable deductible, resulting from perils such as fire, theft, vandalism, and striking an animal, but not collision. This coverage allows up to $15 a day (to a limit of $450) for substitute transportation until your stolen auto is recovered. Personal property is not covered unless it is permanently installed in your car, such as a radio.
10. Substitute Transportation – reimburses up to $15 a day for car rental or transportation costs including taxi, bus and train fare (up to $450), while your car is undergoing repairs. Coverage of up to $100 a day (up to a limit of $3000) is available for an additional cost. Even if you have this coverage, some car rental agencies may refuse to rent to you if you are under a certain age, are a poor credit risk, do not have an acceptable credit card or have an unacceptable driving record. 11. Towing and Labor – pays up to $25 for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on-site labor costs at the breakdown site (not any parts) needed to get your car running again. Coverage of up to $50 per disablement is available for additional cost.
12. Bodily Injury Caused By An Underinsured Auto – pays for bodily injury to you, household members and passengers, unless they have a policy of their own, or are covered by a Massachusetts auto policy of another household member with similar coverage. The accident must be cause by someone without enough bodily injury coverage. It pays you up to the difference between the total amount collected from the bodily injury liability insurance covering the owner and driver of the other car, and the limits you purchased for this coverage.
Disclaimer Remember that this guide is not meant to be a substitute for your Massachusetts automobile Insurance Policy. If you would like to view a copy of the Mass auto policy just go to our links page and click on the link for the Massachusetts Division of Insurance.
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