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12. Bodily Injury Caused By
An Underinsured Auto
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pays for bodily injury damages to you, household members and
passengers, unless they have a policy of their own, or are covered by a
Massachusetts auto policy of another household member with similar
coverage. The accident must be caused by someone without enough bodily
injury coverage. It pays you up to the difference between the total amount
collected from the bodily injury liability insurance covering the owner
and driver of the other car, and the limits you purchased for this
coverage.
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Since many people buy only minimum required amounts
for Bodily Injury to Others, selecting higher limits may protect
you from incurring high personal injury expenses. You may purchase
coverage up to, but no more than, the limits of the Bodily Injury
to Others coverage you carry.
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This coverage will NOT pay for damage to
property.
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PLEASE REMEMBER |
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Massachusetts law requires a Pre-Insurance
Inspection of used private passenger motor vehicles prior to
providing coverage for Collision, Limited Collision or
Comprehensive. In some cases, the required inspection may be
deferred for seven calendar days (not including legal holidays).
If your auto is not inspected within the required time, these
coverages will be automatically suspended. Your premium will be
adjusted if the suspension lasts more than ten days.
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If you cancel your insurance policy, no refund will
be issued until your insurance company receives a receipt showing
that your license plates have been returned to the Registry of
Motor Vehicles.
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It is your responsibility to make sure that your
safety inspection sticker and your registration plates are
current. If you fail to renew on time, you may be fined and
surcharged. You must pay your premium to avoid cancellation of
your insurance. On the effective date, cancellations are
electronically reported to the Registry of Motor Vehicles.
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If you travel outside of Massachusetts to another
state or to Canada, it is a good idea to have your insurance
policy or proof of insurance with you. Your agent or insurance
company can provide these forms.
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If any of your children who are household members
obtain a driver’s license you must notify your company within 60
days of that date. You must list all licensed household members
and any other licensed person who will customarily operate your
auto.
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If you or someone on your behalf gives your
insurance company false, deceptive, misleading or incomplete
information concerning the description and place of garaging of
the vehicles to be insured, the names of operators required to be
listed and the answers given for all listed operators, your
insurance company may refuse to pay your claims under any and all
of the Optional Insurance Parts of your policy.
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Source: Massachusetts Department of Insurance
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