Part 1, 5 Bodily Injury Liability Insurance is in case you cause an accident and somebody else is hurt or even killed.  Part 1 is mandatory and only covers you in MA.  Part 5 increases liability coverage and extends coverage to all other states, plus includes coverage for your passengers (other than immediately family members), pedestrians, and people in other cars if you are found liable for an accident.

Part 2 Personal Injury Protection covers you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident up to $8,000. Coverage pays for medical expenses, replacement services, and 75% of any lost wages. This is what MA calls "No Fault Insurance".  Has nothing to do with property damage fault determination.

Part 3 Bodily Injury Caused By An Uninsured Auto protects you, anyone you let drive your car, household members and passengers. Coverage is for losses caused by an uninsured or unidentified hit and run driver. This coverage does not pay for damage to your property or car. This covers you also as a pedestrian.

Part 4 Property Damage Liability is in case you damage property that belongs to somebody else. It’s usually someone else’s car -- but not always. People have damaged all sorts of things -- and have been protected by their property damage liability. Garages, buildings, lamp posts, fences, carports and other cars. Just about anything you can hit with your car.  Mandatory coverage is only $5000 which is not enough.  Coverage of $50,000 or $100,000 makes more sense with cars costing so much these days.

Part 6 Medical Payments Insurance pays medical -- and funeral expenses above amounts covered by Personal Injury Protection no matter who causes the accident.  If you have group medical coverage for yourself and family this coverage is generally not needed.  

Part 7 Collision Insurance is for the damage to your car as a result of colliding with another car or object.

Part 9 Comprehensive Insurance is in case your car is damaged -- or stolen -- in a way that doesn’t involve a collision. Also coverage is provided for accidental glass breakage.

Part 10 Substitute Transportation reimburses you for a car rental if your car is being repaired for an insured loss. Also coverage is provided if your car is stolen.  If you need your car on a regular basis this is a very important coverage.  Cars generally take up to 4 weeks to get repaired.  Can you afford to be without a car that long?

Part 12 Bodily Injury Caused By An Underinsured Auto pays for bodily injury damages to you, household members and passengers, unless they have a policy of their own. It can pay you the difference between what amounts you carry and the liability coverage on the other car. This coverage protects you if you are hurt by someone carrying low or minimum liability coverages --protects you from incurring high personal injury expenses.

So that’s a quick overview of the many kinds of insurance you’ll find in an auto policy. (Please be aware, this information is offered for general information. It is not a legal definition of any policy, -- and is not a substitute for reading and understanding your own policy!)

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