Auto Policy: Uninsured & Underinsured Protection

Sometimes overlooked on the MA auto policy are Parts 3 & 12, Uninsured & Underinsured Motorist Coverage.

These limits are important. So important, we recommend coverage be equal to your Part 5, Bodily Injury to Others coverage, which should be, at least: $100,000 per person/ $300,000 per accident. 

Uninsured & Underinsured coverage protects you and occupants from other drivers. It can pay for things like medical bills, lost wages, and pain and suffering.

Coverage also extends to you if you’re in someone else’s vehicle or if you’re struck by another vehicle as a pedestrian.

The cost to increase Parts 3 & 12 from state-minimum, $20,000 per person/ $40,000 per accident limits to $100,000 per person/ $300,000 per accident is relatively inexpensive. Depending on a number of factors, the annual cost is about $30.

Don’t overlook your Uninsured Motorist and Underinsured Motorist coverage limits.

Call or click us if you would like to discuss.

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