What it does
MM 99 18 is the Massachusetts split liability limits endorsement. As its title indicates, it expresses liability limits as separate bodily injury (per person and per accident) and property damage amounts rather than a combined single limit. Massachusetts compulsory coverages are themselves stated as split amounts (bodily injury to others $25,000/$50,000 and property damage $30,000), with optional bodily injury and increased property damage offered above them. The current edition is 10 13.
Who needs it
Massachusetts commercial auto policies written with split limits, including those in the CAR residual market.
Key points
- CAR's mandatory offer includes optional bodily injury up to $1,000,000 per person and per accident for most commercial risks, increased property damage up to $500,000, or a combined single limit up to $1,000,000.
- The multistate equivalent is CA 99 27.
Quoting notes
Coordinate split limits with umbrella underlying requirements and with any contractual insurance requirements expressed as a combined limit.
