Massachusetts Automobile Insurance Policy - Plymouth Rock

1 MassachusettsAutomobileInsurancePolicyPl ease read your Policy . Part of the Policy is a page marked Coverage Selections. It shows the types and amounts of coverageyou have purchased. As you read the Policy , check the CoverageSelections Page to make sure it shows exactly what you intended tobuy. If there is any question, call your agent or company right Edition121209 121206-161428 PRA00001215231 0000001 0345001 121206_161814 0 1 I 1 25 68 35 25121209 121206-161428 PRA00001215231 0000001 0345001 121206_161814 0 1 I 1 26 68 35 26 ContentsIntroduction1 Definitions2 Our Agreement3 Compulsory InsurancePart Injury To Others.

2 4 Part Injury Protection ..5 Part Injury Caused By An Uninsured Auto ..7 Part To Someone Else s Property ..10 Optional InsurancePart Bodily Injury To Others ..13 Part Payments ..15 Part ..16 Part Collision ..17 Part ..19 Part Transportation ..21 Part And Labor ..21 Part Injury Caused By An Underinsured Auto ..22 General Provisions And Exclusions25 Cancellation And Renewal31 When There Is An Accident Or Loss34 Coverage Selections Page121209 121206-161428 PRA00001215231 0000001 0345001 121206_161814 0 1 I 1 27 68 35 271 IntroductionThis Insurance Policy is a legal contract between the Policy owner (you) and thecompany (we or us).

3 It insures you andyour autofor the period shown on theCoverage Selections long as you pay your premium, we agree to provide you or others the benefits towhich you or they are entitled. The exact terms and conditions are explained in thefollowing are two basic categories of Insurance described in this Policy , CompulsoryInsurance and Optional are four Parts to Compulsory Insurance . They are all required by law. Everyauto registered in Massachusetts must have are eight Parts to Optional Insurance . Some of them extend the coverage or theamounts of protection provided by Compulsory Insurance . Some of them provideprotection not found in Compulsory Insurance .

4 You do not have to buy any of theseeight Parts if you do not want Insurance claims arise in hundreds of different ways. Autos are sometimes stolenor damaged. Accidents may injure people inyour auto, people in other autos orpedestrians. You may be responsible for an accident or someone else may be. Anaccident may happen in Massachusetts or out of state. Different situations requiredifferent kinds of read the whole Policy to see what kinds of Insurance are available to coverthese different situations. At the same time, you should check the CoverageSelections Page to make sure it correctly indicates the coverages you coverage you purchased will show a premium charge next to it.

5 If no premiumcharge is shown, you do not have that you and we will agree to change this Policy . The only way that can bedone is by an Endorsement added to the basic Policy form. All endorsements mustbe in writing. They then become part of this are pleased to have you as a customer and hope you have a safe andaccident-free year. But if you need us, we are here to help you. If you have anaccident or loss, or if someone sues you, contact your agent or the same if you have any questions or complaints. If you think we have treated youunfairly at any time, you may contact the Division of Insurance , (617) 121206-161428 PRA00001215231 0000001 0345001 121206_161814 0 1 I 1 28 68 35 282 DefinitionsThroughout this Policy :1.

6 We,UsorOur refers to the company issuing this YouorYour refers to the person(s) named in Item 1 of the Coverage Accident means an unexpected, unintended event that causes bodily injury orproperty damage arising out of the ownership, maintenance or use of an Auto means a land motor vehicle ortrailerbut does not vehicle operated on rails or crawler vehicle ortrailerwhile it is located for use as a residence or premises. Wewill consider such a vehicle to be an auto while it is being used on public roadsor for recreational farm tractor or other equipment designed for use principally off public will consider a tractor or other equipment to be an auto while it is beingused on public vehicle not subject to Massachusetts Motor Vehicle registration such as amoped, dirt bike, mini-bike, snowmobile or an all-terrain vehicle (ATV).

7 Other words and phrases are defined. They are in boldface when Your Auto vehicle or vehicles described on the Coverage Selections auto while used as a temporary substitute for the described auto while thatauto is out of normal use because of a breakdown, repair, servicing, loss ordestruction. But the term your auto does not include a substitute vehicleowned by you or your private passenger auto,trailer, motorcycle, pick-up truck, van or similarvehicle, to which you take title or lease as a permanent replacement for adescribed auto or as an additional auto. We provide coverage for an additionalauto only if you ask us to insure it within seven days after you take title or theeffective date of the a replacement or additional auto is a pick-up truck, van or similar vehicle, it must notbe used for the delivery or transportation of goods or materials unless such use isincidental to your business of installing,121209 121206-161428 PRA00001215231 0000001 0345001 121206_161814 0 1 I 1 29 68 35 293maintaining or repairing furnishings or Parts 1, 2, 3, 4.

8 5 and 6 the term your auto also includes anytrailernotdescribed on the Coverage Selections Page as covered under those Trailer means a vehicle designed to be pulled by a private passenger auto,motorcycle, pick-up truck, van, or similar vehicle and designed for use on publicroads. This includes a farm wagon or a farm Occupying means in, upon, entering into, or getting out Collision means the accidental upset ofyour autoor any physical contact ofyour autowith another Household Member means anyone living in your household who is related toyou by blood, marriage or adoption. This includes wards, step-children or includes anyone incurring bodily injury as a result of being struck byan auto in an accident and who is not occupying an auto at the time of AgreementThis Policy is a legal contract under Massachusetts law.

9 Because this is an autopolicy, it only covers accidents and losses which result from the ownership,maintenance or use of autos. The exact protection is determined by the coveragesyou agree to provide the Insurance protection you purchased for accidents whichhappen while this Policy is in agree to pay premiums when due and to cooperate with us in case of accidentsor contract consists of this Policy , the Coverage Selections Page, any endorsementsagreed upon, and your application for Insurance . Oral promises or statements madeby you or our agent are not part of this are many laws of Massachusetts relating to Automobile Insurance .

10 We and youmust and do agree that, when those laws apply, they are part of this 121206-161428 PRA00001215231 0000001 0345001 121206_161814 0 1 I 1 30 68 35 304 CompulsoryInsuranceThere are four Parts to Compulsory Insurance . They are called Compulsory Insurancebecause Massachusetts law requires you to buy all of them before you can registeryour auto. No law requires you to buy more than this Compulsory , if you have financedyour auto, the bank or finance company may legallyinsist that you have some Optional Insurance as a condition of your amount of your coverage and the cost of each Part is shown on the CoverageSelections Compulsory Insurance does not pay for any damage toyour autono matterwhat happens to InjuryTo OthersUnder this Part, we will pay damages to people injured or killed byyour autoinMassachusetts accidents.