Compulsory:

• Bodily Injury to Others
• Covers injuries to someone else resulting from a Massachusetts accident.
• Personal Injury Protection
• The benefits under this part are commonly known as “PIP” or “No-Fault” benefits. PIP benefits include medical expenses, lost wages, and replacement cost services.
• Bodily Injury Caused by an Uninsured Auto
• This coverage pays damages for bodily injury resulting from certain accidents caused by uninsured or hit-and-run autos.
• Damage to Someone Else’s Property
• This coverage pays for damages to someone else whose auto or other property is damaged in an accident.

Optional Insurance:

• Optional Bodily Injury to Others
• This coverage pays for damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. Unlike the Compulsory part, this coverage does provide coverage for injuries to guest occupants and for accidents occurring outside of Massachusetts.
• Medical Payments
• This coverage pays for reasonable expenses for necessary medical and funeral services to yourself and your passengers incurred as the result of an accident.
• Collision
• This coverage pays for any direct and accidental damage to your auto caused by a collision.
• Limited Collision
• This coverage will pay in some situations for direct and accidental damage to your auto caused by a collision. Coverage is only provided for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault.
• Comprehensive
• Under this coverage we will pay for direct and accidental damage to, or loss of your auto, other than damage caused by a collision.
• Substitute Transportation
• This coverage reimburses you, up to the limits shown on the declaration page, in certain situations if your auto was in a collision and is being repaired or replaced.
• Towing and Labor
• This coverage pays for towing and labor costs, up to the limit shown on the declaration page, incurred each time your auto is disabled.
• Bodily Injury Caused By An Underinsured Auto
• This coverage pays for damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.

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So in my situation, I have the mandatory – of course – but I have also been paying for 5 of 8 optional items. Seems like a lot – but I’m nervous about removing them and then needing them.

The good thing though (i guess) is that I have learned that I have until the end of August to make a switch due to penalties that I would incur if I were to cancel or switch my policy before it expires in September.

Though I’m fairly certain I’ll be switching. I get an 8% alumni discount that I wasn’t aware of if I join Liberty Mutual. Sorry Commerce – think of all the money I’m saving just by taking a quick look around.