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| 1.
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Bodily
Injury to Others |
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pays for damages to anyone injured or killed by your car |
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Pays for medical expenses, pain and suffering, your legal bills, and
claims against you and your family and others driving with your permission. |
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Only applies to accidents in Massachusetts. |
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Compensation limited to $20,000 per person and $40,000 per accident |
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But
what if...
You drive outside of Massachusetts or in places where the public has
no right of access, or you drive with guests in your car and wish
to protect yourself in these situations? You should investigate Optional
Bodily Injury to Others in the optional
coverage section. |
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Consider
this...
You could be sued for much more than the $20,000/$40,000 limit for
bodily injury to others. Consider buying higher limits as outlined
in the optional coverage section.
Upping your limit is discussed in "Optional Bodily Injury to
Others". |
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| 2. |
Personal
Injury Protection |
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this coverage pays you or anyone you let drive your car, anyone living
in your household, passengers and pedestrians regardless of who causes
the accident. |
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- Pays for medical expenses, replacement services, and 75% of lost
wages. |
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Pays for owners of cars and motorcycles and their families if they
are injured while occupying or struck by a car that does not have
Massachusetts Compulsory Insurance. |
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The drivers and passengers of motorcycles are not covered in this
case but they must purchase it to protect others who may be injured
by the motorcycle. |
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But
what if...
I have a medical and disability income plan already? You can save
money by excluding yourself and other household members in this case. |
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Consider
this...
Health insurance may not cover all of your medical expenses such as
dental and cosmetic services, co-payments and deductibles. Long waiting
lists for disability policies should also be considered. |
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| 3. |
Bodily
Injury Caused by an Uninsured Auto |
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- protects you, anyone you let drive the car, household members and
passengers (unless covered by another Massachusetts Policy with similar
coverage) against losses by an uninsured or "hit and run"
driver. |
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Damage to property or your car is not covered by this coverage. |
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| 4. |
Damage
to someone Else's Property |
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- pays for damage to another person's property and any costs associated
with the loss of use of that property when you, anyone you allow to
use the car, or a household member causes an accident. |
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- Minimum limit of $5,000 is required. |
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Consider
this...
For a minimal cost it is a good idea to purchase more than the minimum
limit. In fact, only 3% of all drivers purchase the minimum. With
the costs of repairs to property and cars, limits of $50,000 and $100,000
are more the norm. |
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| If
you have a question, please contact
Ellis Insurance. If you would like a no-obligation
quote, simply fill out our brief form. |
