Important Motor Vehicle Policy Information You Should Know

Your motor vehicle insurance coverage selection page explains the coverage that you have chosen and your premium. It is important to understand the nature of Personal Injury Protection (PIP), listed as item 2 on the Coverage Selection Page of your insurance policy. You are entitled to access up to $8000 for the medical expenses or loss of wages you may incur, in any motor vehicle accident, even if it was your own fault.

You are also given the opportunity to select a deductible amount, shown as item 2, on your insurance coverage selection page. However, I believe that it would be unwise to take the deductible, in order to save a small premium cost for this coverage.

If someone else is responsible for your accident, the responsible party’s insurance company must repay your insurance company for any medical costs and/or lost wages.

Under section 5 of your auto insurance policy, you are given the opportunity to obtain additional bodily injury coverage for personal injury damages that you may have caused someone else. The minimum level of compulsory insurance coverage, in Massachusetts, is a minimum of $20,000 per person, or a maximum of, $40,000 for all persons injured as a result of your accident.

You may purchase additional optional insurance, under section 5, for your protection, if you cause personal injury damages to someone else. The amount of optional bodily injury insurance you may purchase under section 5, can also be purchased, up to the same amount, in sections 3 and 12. You are given this opportunity to purchase additional coverage for bodily injury suffered by you or passengers in your motor vehicle, or for members of your household for the same amount of coverage that you chose in section 5. The coverage in section3 protects you and members of your household for personal injuries suffered as a result of an unidentified or an uninsured vehicle.

The additional optional coverage you may select in section 12, protects you or members of your household for injuries suffered in a motor vehicle accident where the responsible party’s insurance was inadequate. For example, if the responsible driver had a minimum policy of $20,000, and your damages were $100,000, you would be entitled to claim the balance of $80,000 from your insurance company, under this coverage.

If you choose to purchase a minimum of $250,000 per person, under section 5, you would be entitled to purchase a separate, additional, excess “umbrella” insurance policy for, at least, $1,000,000, for a relatively small additional premium, to protect your assets in the event of a personal injury claim against you.

I have saved many of my clients hundreds of thousands of dollars by explaining this coverage. For more savings advice, please contact me through my website at, or call my office at 781-861-2000.