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Part Automobile Insurance Coverage
Part 1: Compulsory Bodily Injury To Others:
Protects you for monetary sums you may be legally obligated to pay for
bodily injury to others for which you are held liable for. Includes
defense costs. Also extends coverage for bodily injury to others caused
by a legally registered trailer being towed by your vehicle. Major limitations
of this part are that there is NO coverage when you are off a state
road (parking lot, driveway) or out of the state of Massachusetts. There
is NO coverage for passengers in your vehicle; mandatory limits are
20,000/40,000. Hint: Purchase Part 5 for extended coverage and higher
limits.
Part
2: Personal Injury Protection:
Pays for Medical Expenses, Lost Wages, and Replacement Services. Protects
you and your passengers. There is no coverage as an operator or passenger
on a motorcycle . This pays regardless of who is at fault, unless you
are convicted of driving under the influence. If you are at fault, this
is the only part of your policy that will pay for your medical bills
unless you purchase Part 6 Medical Payments as well. Hint: Use Part
6 for your medical bills and use this part for lost wages and replacement
services.
Part
3: Compulsory Uninsured Motorist:
Protects you and your passengers for bodily injuries caused to you by
someone who is operating an uninsured vehicle or a hit and run driver.
Also protects you and your household members as pedestrians if you are
struck by a hit and run auto. You cannot purchase more than the limits
you purchased for Part 5. Compulsory limits are $20,000/$40,000.
Hint: It's very inexpensive to increase coverage here.
Part
4: Compulsory Damage To Others' Property:
Protects you for claims placed against you for damage to another person's
property for which you are legally liable. Extends coverage for property
damage attached trailers may do. Compulsory limit is $5,000. Hint:
It's very inexpensive to increase coverage.
Part
5: Optional Bodily Injury To Others:
Protects you for claims placed against you for bodily injury to others
for which you are held liable. This coverage extends Part 1 to accidents
within the United States, its possessions and territories, and Canada.
It also extends coverage to your passengers, and to injuries caused
by an attached trailer. This is an important coverage because it allows
you to increase your coverage dramatically. The coverage amount is not
added to Part 1 but replaces it. Hint: This can be the most important
coverage you purchase, as it is the part that protects your assets,
and your future.
Part
6: Optional Medical Payments:
Reimburses you and your passengers for medical or funeral expenses.
Besides PIP this is the only part of your policy that will pay your medical bills
if you are at fault. This is the only part of your policy that will pay medical
bills if you are operating a motorcycle. Hint: If
you lose your medical plan, or have large medical deductibles, buy this coverage. Part
7: Optional Collision:
Pays for the repair of your auto from a collision loss. Payment is reduced by
your deductible. If you purchase the Waiver of Deductible and you are found not-at-fault
in an accident, your deductible will not be withheld, as long as your insurance
company can subrogate against the at-fault party. Remember, you must be able to
fully identify the at-fault party. Hint: Always get complete information on
the driver, vehicle owner, and the vehicle. Whenever possible, get the names and
addresses and phone numbers of witnesses who can corroborate your report of the
accident. Part
8: Optional Limited Collision:
Pays you for damage to your auto from a collision loss only when you are not more
than 50% at fault and you can identify the at-fault party. Hint: Purchasing
this coverage instead of Full Collision coverage is equivalent to putting your
head in the lions mouth. You just never know. Part
9: Optional Comprehensive:
Pays for the repair to your auto caused by perils other than collision. Includes
Fire, Theft, Vandalism, Flood, and Glass Breakage. The claims payment is subject
to the deductible. There is no waiver. There is no deductible for Glass replacement
or repair. If your car is stolen, this part will reimburse you for up to $15/day
(up to $450) for transportation expenses after a waiting period of 48 hours
after you file your reports to the police and to the insurance company. Reimbursement
stops the day your auto is recovered or after 30 days, whichever occurs first.
Hint: If you regularly park in that part of the jungle where wild things are
happening, purchase a lower deductible. Part
10: Optional Substitute Transportation:
This reimburses you for auto rental expenses while your auto is being repaired
due to a covered loss after a 24 hour waiting period. You must purchase Comprehensive
and Collision coverage for this coverage to apply. Hint: If the loss of the
use of your auto for a two or three week period for repairs from a covered accident
would make you, your spouse, or any other big chief irritable, purchase this coverage. Part
11: Optional Towing:
Reimburses you for towing and the labor for the emergency repair of your auto
up to the limit you purchased on your policy. You must purchase Comprehensive
coverage to obtain this coverage. Hint: Park in designated parking areas because
this does not apply if you are towed for a parking violation. Part
12: Optional Underinsured Motorist:
Protects you for bodily injury caused to you by someone who is underinsured.
Similar to Part 3, Uninsured Motorist coverage, however the at-fault
party has some Part 5, Bodily Injury To Others coverage, just not enough
to compensate you fully. The at-fault party must pay their coverage
limits before your coverage kicks in. Payments made by the at-fault
party are subtracted from the limits you purchase. You can access the
balance. You can not purchase more than the limits you purchased for
Part 5. Hint: There are many people who carry the minimum limits
of 20/40 for Part 5 just to get the car on the road. Protect yourself
with this coverage.
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