Massachusetts Auto Insurance:
Optional Bodily Injury to Others
(Part 5)

Optional Coverage

Optional Bodily Injury to Others is the most important Massachusetts auto insurance coverage. We recommend that you purchase as much as you can afford and also add the Personal Umbrella Policy. This coverage extends your liability protection from the basic $20,000/$40,000 limits under Part 1 up to the amount you purchase under Part 5.

Optional Bodily Injury to Others Insurance provides coverage for accidents beyond Massachusetts to anywhere in the United States, its territories or possessions, or Canada. This coverage also pays for damages suffered by guests in your auto. Buying higher limits under Part 5 makes good sense if you have assets you wish to protect such as your home & savings.