Source: http://tygins.com/products-services/car-insurance
Timestamp: 2017-07-23 20:47:49
Document Index: 166751959

Matched Legal Cases: ['arts 1', 'art 2', 'arts 5', 'art 1', 'art 8', 'art 9', 'art 4']

Compulsory Insurance (Parts 1 - 4)
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 basic limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered under this Part; please refer to Personal Injury Protection (Part 2) for information about that coverage.
Personal Injury Protection (PIP) pays up to $8,000 to you or anyone you let drive your car, anyone living in yourhousehold, passengers and pedestrians, no matter who causes the accident. Personal Injury Protection pays for medical expenses, replacement services and 75% of any lost wages.
The driver and passengers, while riding a motorcycle, are not covered by PIP. However, the owner of the motorcycle must purchase this coverage to protect other people who may be injured by the motorcycle.
You can save on your premium by excluding yourself, or yourself and household members from some or all of this coverage. You should consider this option if you have a medical and disability income plan. The portion of each claim you have agreed not to be covered for is called a “deductible.”
NOTE: PIP covers owners of cars and motorcycles, and members of their households, if they are injured while occupying or struck by a car that does not have Massachusetts Compulsory Insurance.
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 damage or damage to your auto.
4. Damage to Someone Else’s Property
This coverage 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 cause an accident. A minimum limit of $5,000 is required.
Optional Insurance (Parts 5 - 12)
You could be sued and may be liable for much more than the $20,000 per person and $40,000 per accident limits required under Bodily Injury to Others (Part 1.)
Selecting Your Deductible:
Your deductible will be set at $500 unless you select a different amount. You can always save on your premium by choosing a larger deductible where one is offered. In determining the right deductible for you, decide how much you can afford to pay out of your own pocket in the event of an accident or loss in which you are at fault, or the other driver is unidentified. The deductible you choose is the amount you should expect to pay if you use this coverage option. This information also applies to Limited Collision coverage ( Part 8 ) and Comprehensive coverage ( Part 9 ).
Buying Collision coverage with a “waiver of deductible” means that the collision deductible you choose will not apply when an accident is caused by another identifiable driver. This is most helpful when there is an uninsured, identifiable driver. If you are in an accident caused by another identifiable driver who is insured, their Part 4 coverage (Damage to Someone Else’s Property) will pay your automobile’s damages to the limit they purchased. You will not have to pay the deductible amount.
However, if your automobile has substantial value because of its exceptional condition, such as an antique, classic or restored automobile, you should have it appraised and then consider insurance coverage in light of the appraised value.
9. Comprehensive Coverage
You may be denied Comprehensive coverage or required to pay a higher extra-risk rate if you own a high-theft vehicle which does not have a qualifying anti-theft or recovery device. Coverage may be denied or priced higher under certain other conditions.
If you belong to a Motor Club, you probably do not need this coverage since many Motor Clubs’ services include towing and labor.