What Are the Most Important Auto Insurance Coverages | Massachusetts Auto Accident Lawyers

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Automobile insurance will protect you in the event that you are sued for your alleged negligence. There is Compulsory Bodily Injury Coverage under Part 1 but you would be well advised to choose Part 5, Optional Bodily Injury Coverage. However, there are two other coverages that you can select which will protect you and your family as well as guest occupants in some circumstances. Those coverages are Part 3, Bodily Injury Caused By an Uninsured Auto, and Part 12, Bodily Injury Caused By an Underinsured Auto. In the accompanying video blog, I stress the importance of having enough insurance under Parts 3 and 12. I also point out that you cannot have higher limits under Parts 3 or 12 than you have under Part 5. The bottom line is that you need enough coverage and limits of $20,000 per person/$40,000 per accident are not enough.