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Tyngsboro Office
263 Middlesex Road
Tyngsboro, MA 01879
Bus.:(978) 649-7301
Fax: (978) 649-6064
Tewksbury Office
1501 Main Street
Tewksbury, MA 01876
Bus.:(978) 851-7223
Fax: (978) 851-7227
jim@bither.com
jimmy@bither.com
maureen@bither.com
paula@bither.com
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Automobile Insurance - Protection for Yourself, Your Family, and Your
Cars
 Bither
Insurance is an independent agent for the leading writer of private
passenger automobile insurance in Massachusetts insuring one out of every
four registered vehicles - the only insurer in Massachusetts
to offer AAA members a discount on their private passenger
automobile insurance.
The Massachusetts Automobile Policy is actually made up of 12 parts. The
first four parts are required based on Massachusetts law and are referred
to as Compulsory Insurance. Optional insurance, coverages parts 5 through
12, are not required by law. However, these coverages provide additional
insurance protection at a reasonable price.
A brief explanation of each coverage part is listed below. For a complete
explanation, please review your policy or
contact Bither Insurance.
Part 1 Bodily Injury to Others ...Covers injuries to someone else
resulting from a Massachusetts accident.
Part 2 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.
 Part 3 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.
Part 4 Damage to Someone Else's Property...This coverage pays for damages
to someone else whose auto or other property is damaged in an accident.
Part 5 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.
Part 6 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.
Part 7 Collision...This coverage pays for any direct and accidental damage
to your auto caused by a collision.
Part 8 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.
Part 9 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.
Part 10 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. Coverage is
provided if your auto cannot be used because of damage or loss, including
theft, that is covered under Comprehensive.
Part 11 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.
Part 12 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.
Note that some coverages, including Collision and Other than Collision
Coverage (Comprehensive), may be required by the financial institution
that loaned you the money for, or leased you, your car in order to protect
their investment. |
