Auto Insurance

Auto insurance helps financially protect you and those you care about. Depending on the coverage options you select, your insurance can:

• Pay for damage and repairs to your vehicle in an accident.
• Cover damage to another vehicle or other property in an accident.
• Cover medical expenses associated with an accident.
• Pay for losses caused by underinsured or uninsured drivers.
• Reimburse you for damages from vandalism, natural disasters, or theft.
• Pay for legal representation in case of an automobile-related lawsuit.

Auto insurance can seem confusing. But once you understand the different types of coverage that make up your policy, it’s not hard at all.

Your auto insurance consists of 12 distinct parts divided into two categories: Compulsory and Optional. The first four parts are Compulsory coverages required by Massachusetts law. The other eight are Optional; however, they provide additional insurance protection.

A brief explanation of each part of the coverage is listed below.

Compulsory (Required) Insurance

Bodily Injury To Others
This coverage pays for damages if you are legally responsible for an accident in Massachusetts that injured someone other than passengers in your vehicle. It also provides for legal defense and court costs.

Personal Injury Protection
This is commonly known as “No-Fault” and provides benefits, including medical expenses, lost wages, and replacement cost services.

Bodily Injury Caused By An Uninsured Auto
Pays damages for bodily injury resulting from inevitable accidents caused by uninsured autos or in a hit-and-run situation.

Property Damage
This coverage pays for damages to someone else’s vehicle or other property damaged in an accident if you, a household member, or someone using your auto with your consent is legally responsible.

Optional Insurance

Optional Bodily Injury to Others
Pays for damages to people injured or killed in an accident if you, a household member, or someone else using your auto with your consent is legally responsible for the accident. Unlike the compulsory part, this coverage does provide coverage for injuries to your passengers and accidents occurring outside of Massachusetts.

Medical Payments
This coverage pays for reasonable expenses for necessary medical and funeral services for yourself and your passengers due to an auto accident. It also covers expenses if you or a household member is struck by a vehicle or are a passenger in another vehicle at the time of an accident.

Collision
This coverage pays for any direct and accidental damage to your vehicle caused by a collision, regardless of fault. It also covers damage to other private passenger autos used by you or a household member with the owner’s permission.

Limited Collision
This coverage will pay in some situations for direct and accidental damage to your vehicle caused by a collision. Coverage is only provided for multiple-car accidents in which the driver of the auto we are covering was no more than 50% at fault.

Comprehensive
This is not a substitute for Collision or Limited Collision. This will pay for direct and accidental damage to or loss of your auto in non-collision situations, including vandalism, theft, fire, wind, hail, flood, hitting an animal, etc.

Substitute Transportation (Rental Reimbursement)
This coverage reimburses you for car rental costs up to the limits shown on the Coverages Selections Page in certain situations if your auto was in a collision and is being repaired or replaced.

Towing & Labor
This coverage pays for auto towing and labor due to a breakdown, even without an accident. Coverage is up to the limit shown on the declaration page.

Bodily Injury Caused by an Underinsured Auto
This coverage pays for damages for bodily injury or death as the result of certain accidents caused by someone who does not have enough insurance.