Overview of Massachusetts Auto Coverage

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PART 1 Bodily Injury	State required limits of $20,000/$40,000 protects you against lawsuits, if you injure someone in an accident and are found responsible.
PART 2 Personal Injury Protection	Provides you, others in your car or pedestrians with medical bill payments and limited loss of income due to an accident, up to $8,000.
PART 3 Uninsured Motorists	You and others in your car may collect from your own Insurer if you are injured in an accident, caused by the other party and they have no insurance.
PART 4 Property Damage	State required limits of $5,000/optional higher limits are available, protects you against lawsuits if you cause damage in an accident.
PART 5 Bodily Injury	As the state required limits in PART 1 are too low this is where you buy higher limits to protect you against lawsuits. It also improves PART 1.
PART 6 Medical Payments	See PART 2-but only allows you to buy more of the Medical Payments Portion.
PART 7 Collision	Protects your car if it hits something or you roll it over.
PART 8 Limited Collision	Protects your car if it is hit and you are not at fault and you can identify the responsible party. (Pretty Iffy Coverage)
PART 9 Comprehensive Fire & Theft	Protects your car against a huge number of perils, including flood, earthquake and vandalism.
PART 10 Substitute Transportation	You may rent a car if your own is either not drivable or while being repaired, because of an accident. Pays up to $30 for 30 days.
PART 11 Towing	Pays up to $50 if you are towed.
PART 12 Under Insured Motorist	You and others in your car may collect from your own Insurer if you are injured in an accident, caused by the other party and they do not have enough insurance to pay you for your injuries.

See our Auto Recommendations page.