What it does
All autos subject to the Massachusetts compulsory law must carry protection against uninsured motorists, which compulsory policies receive through MM 99 11. CAR's Rule 35 adds: "A policy which insures autos registered in Massachusetts, but not subject to the Massachusetts Compulsory Law, must be endorsed to afford Uninsured Motorist Insurance. Use Uninsured Motorist Coverage Endorsement MM 99 28."
Key provisions
- Basic limits are $25,000 per person and $50,000 per accident; increased limits are available.
- The coverage is excess over personal injury protection benefits.
- UM limits may not exceed the policy's bodily injury liability limits.
- No charge is made for service or utility trailers, and the premium is not modified by rating plans.
The current edition is 07 25.
Quoting notes
Offer increased UM limits matching optional bodily injury limits, and pair with underinsured motorists MM 99 54. Within CAR's program, UM limits up to $500,000 per person and per accident are offered for most commercial risks (taxicab risks have lower caps).
