Personal Insurance Blog

22-Jan-2015 Donna Bellavance

Compulsory Insurance vs. Comprehensive Coverage

Drive_safely_and_warn_other_drivers_with_blinkers_and_auto_insurance_from_andrew_gordon_inc_norwell_ma-1Many insureds confuse compulsory insurance with comprehensive insurance. 

Compulsory insurance is what is required by the state of Massachusetts and provides coverage at minimal limits for Parts 1 – 4.  Part 1 is for bodily injury coverage at 20/40 limits for anyone injured or killed by an insured’s vehicle, and Part 2 is for Personal Injury Protection coverage up to $8000 as long as a deductible was not selected and covers the insured, anyone who drives the insured vehicle, anyone living in the insured’s household, passengers and pedestrians. Part 3 is for uninsured motorist coverage at 20/40 limits which provides coverage for insureds, anyone who has borrowed the insured vehicle, household members and passengers if injured by someone who does not have insurance or who has let their coverage cancel, and Part 4 is for property damage at a $5000 limit which pays for damage an insured may cause to other people’s property whether a vehicle, fence, building, etc. The limits for parts 3 & 4 can be increased by choice and Part 1 can be increased by adding coverage under Part 5, Optional bodily injury coverage, and Part 2 coverage can be enhanced by selecting increased limits under Part 6, Medical payments.

Comprehensive insurance is Part 9 and provides insured with physical damage coverage for their vehicle(s) following a fire loss, theft of the vehicle, vandalism damage, or glass loss.  The chosen deductible applies to all claims except glass.

Contact us if you have any insurance needs! Or browse the auto insurance section of our website and read this blog about comprehensive coverage.

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