Massachusetts

Automobile

Insurance

Policy

Please read your policy. Part of the policy is a page marked

“Coverage Selections.” It shows the types and amounts of

coverage you have purchased. As you read the policy, check the

Coverage Selections Page to make sure it shows exactly what

you intended to buy. If there is any question, call your agent or

company right away.

2016 AIB Edition

PA300MA (12/17)

Contents

Introduction 1

Definitions 2

Our Agreement 3

Compulsory Insurance

Part 1. Bodily Injury To Others ................................................. 4

Part 2. Personal Injury Protection ............................................. 5

Part 3. Bodily Injury Caused By An Uninsured Auto ................. 8

Part 4. Damage To Someone Else’s Property........................ 10

Optional Insurance

Part 5. Optional Bodily Injury To Others ................................. 13

Part 6. Medical Payments ...................................................... 15

Part 7.

Collision.............................................................................

Part 8. Limited Collision ......................................................... 17

Part 9. Comprehensive .......................................................... 19

Part 10. Substitute Transportation............................................ 21

Part 11. Towing And Labor ...................................................... 21

Part 12. Bodily Injury Caused By An Underinsured Auto .......... 22

General Provisions And Exclusions 25

Cancellation And Renewal 31

When There Is An Accident Or Loss 34

PA300MA (12/17)

Introduction

This insurance policy is a legal contract between the policy owner

(you) and the company (we or us). It insures you and your auto for

the period shown on the Coverage Selections Page.

As long as you pay your premium, we agree to provide you or others

the benefits to which you or they are entitled. The exact terms and

conditions are explained in the following pages.

There are two basic categories of insurance described in this policy,

Compulsory Insurance and Optional Insurance.

Compulsory

There are four Parts to Compulsory Insurance. They are all required

Insurance.

by law. Every auto registered in Massachusetts must have them.

Optional There are eight Parts to Optional Insurance. Some of them extend

Insurance.

the coverage or the amounts of protection provided by Compulsory

Insurance. Some of them provide protection not found in Compulsory

Insurance. You do not have to buy any of these eight Parts if you do

not want to.

Auto insurance claims arise in different ways. Autos are sometimes

stolen or damaged. Accidents may injure people in your auto, people

in other autos or pedestrians. You may be responsible for an

accident or someone else may be. An accident may happen in

Massachusetts or out of state. Different situations require different

kinds of insurance.

Please read the whole policy to see what kinds of insurance are

available to cover these different situations. You should check the

Coverage Selections Page to make sure it correctly indicates the

coverages you purchased. Each coverage you purchased will show a

premium charge next to it. If no premium charge is shown, you do not

have that coverage.

Sometimes you and we will agree to change this policy. The only way

that can be done is by an “Endorsement” added to this policy form. All

endorsements must be in writing. They then become part of this

policy.

We are pleased to have you as a customer and hope you have a safe

and accident-free year. But if you need us, we are here to help you. If

you have an accident or loss, or if someone sues you, contact your

agent or us.

Do the same if you have any questions or complaints. If you think we

have treated you unfairly at any time, you may contact the Division of

Insurance, (617) 521-7777.

PA300MA (12/17)

Definitions

Throughout this policy:

1. We, Us or Our – refers to the company issuing this policy.

2. You or Your – refers to the person(s) named in Item 1 of the

Coverage Selections Page. This includes your spouse while a

household member.

3. Accident – means an unexpected, unintended event that causes

bodily injury or property damage arising out of the ownership,

maintenance, or use of an auto.

4. Auto – means a land motor vehicle or trailer but does not include:

A. Any vehicle operated on rails or crawler treads.

B. Any vehicle or trailer while it is located for use as a residence

or premises. We consider such a vehicle to be an auto while it is

being used on public roads or for recreational use.

C. A farm tractor or other equipment designed for use principally

off public roads. We will consider a tractor or other equipment to be

an auto while it is being used on public roads.

D. Any vehicle not subject to motor vehicle registration such as a

moped, dirt bike, mini-bike, snowmobile or an all-terrain vehicle.

Other words and phrases are defined. They are in boldface when used.

5. Your Auto – means:

A. The vehicle(s) described on the Coverage Selections Page.

B. Any auto while used as a temporary substitute for the described auto

with the consent of the owner while the described auto is out of normal

use because of a breakdown, repair, servicing, loss, or destruction. This

does not include a motorcycle. However, if a motorcycle is the vehicle

described on the Coverage Selections Page, then a motorcycle used as

a temporary substitute is included in the term your auto. However your

auto does not include a substitute vehicle owned by you.

C. A private passenger auto, trailer, motorcycle, pick-up truck, van or

similar vehicle, to which you take title or lease as a permanent re-

placement for a described auto or as an additional auto. We provide

coverage for an additional auto only if you ask us to insure it within

seven days after you take title or the effective date of the lease.

If a replacement or additional auto is a pick-up truck, van or similar

vehicle, it must not be used for the delivery or transportation of goods or

materials unless such use is incidental to your business of installing,

PA300MA (12/17)

maintaining or repairing furnishings or equipment.

For Parts 1, 2, 3, 4, 5 and 6 the term your auto also includes any trailer

not described on the Coverage Selections Page as covered under those

Parts.

6. 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 public roads. This includes a farm wagon or a farm

implement.

7. Occupying – means in, upon, entering into, or getting out of.

8. Collision – means the accidental upset of your auto or any physical

contact of your auto with another object.

9. Household Member – means anyone living in your household

who is related to you by blood, marriage, or adoption. This includes

wards, step-children or foster children.

10. Pedestrian – includes anyone incurring bodily injury as a result

of being struck by an auto in an accident and who is not occupying

an auto at the time of the accident.

Our Agreement

This policy is a legal contract under Massachusetts law. Because

this is an auto policy, it only covers accidents and losses which

result from the ownership, maintenance or use of autos. The exact

protection is determined by the coverages you purchased.

We agree to provide the insurance protection you purchased for

accidents which happen while this policy is in force.

You agree to pay premiums when due and to cooperate with us in

case of accidents or claims.

Our contract consists of this policy, the Coverage Selections Page,

any endorsements agreed upon, and your application for insurance.

Oral promises or statements made by you or our agent are not part

of this policy.

There are many laws relating to auto insurance. We and you must

and do agree that, when those laws apply, they are part of this

policy.

PA300MA (12/17)

Compulsory

Insurance

There are four Parts to Compulsory Insurance. They are called

Compulsory Insurance because Massachusetts law requires you to buy

all of them before you can register your auto. No law requires you to

buy more than Compulsory Insurance. However, if you have financed

your auto, the bank or finance company may require that you have

some Optional Insurance as a condition of your loan.

The amount of your coverage and the cost of each Part is shown on the

Coverage Selections Page.

Your Compulsory Insurance does not pay for any damage to your auto.

Part 1. Under this Part, we will pay damages to people injured or killed by

Bodily Injury your auto in Massachusetts accidents. The damages we will pay

To Others. are the amounts the injured person is entitled to collect for bodily injury

through a court judgment or settlement. We will not pay punitive or

exemplary damages. We will pay only if you or someone else using

your auto with your consent is legally responsible for the accident. The

most we will pay for injuries to one or more persons as a result of bodily

injury to any one person in any one accident is $20,000. Subject to this

$20,000 limit, the most we will pay for injuries to two or more people as

the result of bodily injury to two or more people in any one accident is

$40,000. This is the most we will pay as the result of a single accident

no matter how many autos or premiums are shown on the Coverage

Selections Page.

We will not pay or defend:

1. For injuries to guest occupants of your auto.

2. For accidents outside of Massachusetts or in places in

Massachusetts where the public has no right of access.

3. For injuries to any employees of the legally responsible person if they

are entitled to benefits for the same injury under any workers’

compensation law or similar law.

4. For accidents while your auto is being used as, or is available for

use as, a public or livery conveyance, including a vehicle for hire through

a ride-sharing program, car-sharing program, and transportation network

service which operate under an agreement and for compensation. This

does not apply to the use of your auto in a share-the-expense car pool,

or in an expense reimbursement program either as a volunteer or at

work. This does not apply to the use of your auto in providing volunteer

transportation services at the direction of a charitable group.

The law provides a special protection for anyone entitled to damages

under this Part. We must pay their claims even if false statements were

made when applying for this policy or your auto registration. We must

PA300MA (12/17)

Compulsory

Insurance

(Continued)

also pay even if you or the legally responsible person fails to cooperate

with us after the accident. We will, however, be entitled to

reimbursement from the person who did not cooperate or who made any

false statements.

If a claim is covered by us and by another company authorized to sell

auto insurance in Massachusetts, we will pay only our proportionate

share. If someone covered under this Part is using an auto he or she

does not own at the time of the accident, the owner’s auto insurance

must pay its limits before we pay. Then, we will pay, up to the limits

shown on your Coverage Selections Page, for any damages not covered

by that insurance.

Part 2. The benefits under this Part are commonly known as “PIP” or “No-

Personal Injury Fault” benefits. It makes no difference who is legally responsible for

Protection. the accident.

We will pay the benefits described below to you and other people injured

or killed in auto accidents. For any one accident, we will pay as many

people as are injured, but the most we will pay for injuries to any one

person is $8,000. This is the most we will pay no matter how many

autos or premiums are shown on the Coverage Selections Page.

We will pay three kinds of benefits:

A. Medical Expenses

We will pay all reasonable expenses incurred as a result of the accident

for necessary medical, surgical, X-ray, and dental services. This

includes prosthetic devices. It also includes ambulance, hospital,

professional nursing, and funeral services.

B. Lost Wages

If an injured person is out of work because of the accident, we will pay

lost wages up to 75% of his or her average weekly gross wage or

equivalent for the year ending on the day immediately before the

accident. We will not pay for the loss of any other type of income. If the

injured person was unemployed at the time of the accident, we will pay

up to 75% of the amount he or she actually lost in earning power as a

result of the accident.

C. Replacement Services

We will reimburse the injured person for reasonable payments made to

anyone outside his or her household for necessary services that he or

she would have performed without pay for the benefit of the household,

had he or she not been injured.

We will pay PIP benefits to or for:

1. You, or any other person, if injured while occupying your auto with

your consent.

PA300MA (12/17)

Compulsory

Insurance

(Continued)

2. You, or anyone living in your household, if injured while occupying

an auto which does not have Compulsory Insurance or if struck by an

auto which does not have Compulsory Insurance.

3. Any pedestrian, including you, if struck by your auto in

Massachusetts or any Massachusetts resident who, while a

pedestrian, is struck by your auto outside of Massachusetts.

Benefits are paid only for expenses or losses incurred within two years

after the accident.

If the accident is in Massachusetts, or if it is outside Massachusetts and

the injured person does not sue for damages, we will pay benefits

within a reasonable time – usually thirty days. If the accident is outside

Massachusetts and the injured person does sue, then we can wait for a

settlement or judgment before paying benefits.

Some people have a wage continuation program at work. If so, we will

pay them only the difference between the total we would ordinarily pay

under this Part and the amount of the program payments. We will,

however, reimburse the program if it allows benefits to be converted

into cash or additional retirement credit. Sometimes program benefits

are reduced or used up because of payments to the person injured in

an accident. In that case, we will pay for lost wages resulting from any

other illness or injury that person has within one year of our last

payment. The exact amount of our payments under this paragraph will

be determined by Massachusetts law.

Some people have a policy of health, sickness, or disability insurance

or a contract or agreement with a group, organization, partnership or

corporation to provide, pay for, or reimburse the cost of medical

expenses (“health plan”). If so, we will pay up to $2,000 of medical

expenses for any injured person. We will also pay medical expenses in

excess of $2,000 for such injured person which will not be paid by a

health plan. Medical expenses must be submitted to the health plan to

determine what the health plan will pay before we pay benefits in

excess of $2,000 under this Part. We will not pay for medical expenses

in excess of $2,000 that the health plan would have paid had the

injured person sought treatment in accordance with the requirements of

the health plan. In any case, our total payment for medical expenses,

lost wages and replacement services will not exceed $8,000.

Within two years after an accident, we may pay the cost of renewing or

continuing in force a policy of health, sickness or disability insurance for

anyone covered under this Part who is unwilling or unable to pay such

cost. Our payment will not exceed the cost of renewing or continuing

such policy for a period of two years after the accident. Our payment

will not reduce the benefits otherwise payable under this Part.

PA300MA (12/17)

Compulsory

Insurance

(Continued)

We will not pay PIP benefits to or for:

1. Anyone who, at the time of the accident, was operating or occupying

a motorcycle, any motor vehicle not subject to motor vehicle

registration, or a motorized bicycle or moped.

2. Anyone who contributed to his or her injury by operating an auto (a)

while under the influence of alcohol, marijuana, or a narcotic drug, (b)

while committing a felony or seeking to avoid arrest by a police officer,

or (c) with the specific intent of causing injury to himself, herself or

others.

3. Anyone who is entitled to benefits under any workers’ compensation

law or similar law for the same injury.

4. Any person while your auto is being used as, or is available for use

as, a public or livery conveyance, including a vehicle for hire through a

ride-sharing program, car-sharing program, and transportation network

service which operate under an agreement and for compensation. This

does not apply to the use of your auto in a share-the-expense car pool,

or in an expense reimbursement program either as a volunteer or at

work. This does not apply to the use of your auto in providing

volunteer transportation services at the direction of a charitable group.

5. Any person injured while an auto is being used in any racing, speed,

stunting, or demolition contest or activity.

When you purchased this Part you were given the choice to exclude

yourself, or yourself and household members, from some or all of the

PIP coverage. The portion of each claim you may have agreed to

exclude is called a “deductible.” You paid a smaller premium if you

chose a deductible. In that case, we will only pay up to the difference

between $8,000 and the amount of your deductible. The deductible is

shown on the Coverage Selections Page.

If anyone is entitled to PIP benefits and also to benefits under another

Part of this policy, we will pay from this Part first.

We will not pay PIP benefits to or for an injured person, to the extent

those benefits would duplicate expenses or losses recovered by that

person in a court judgment or settlement.

If anyone covered under this policy is also entitled to PIP benefits from

any other auto policy, the total benefits payable will not be more than

the highest amount payable under whichever one of the policies would

have paid the most. Each insurer will pay only its proportionate share.

We will not pay benefits under this Part which duplicate payments made

under the No-Fault coverage of any other auto policy.

PA300MA (12/17)

Compulsory

Insurance

(Continued)

Part 3. Sometimes an owner or operator of an auto legally responsible

Bodily Injury for an accident is uninsured. Some accidents involve unidentified

Caused By An hit-and-run autos. Under this Part, we will pay damages for bodily

Uninsured Auto. injury to people injured or killed in certain accidents caused by

uninsured or hit-and-run autos. We will pay only if the injured person is

legally entitled to recover from the owner or operator of the uninsured or

hit-and-run auto. We will pay for hit-and-run accidents only if the owner

or operator causing the accident cannot be identified. Sometimes the

company insuring the auto responsible for an accident will deny

coverage or become insolvent. We consider such an auto to be

uninsured for purposes of this Part. However, we do not consider an

auto owned by a governmental unit which is self-insured, or by

someone who is legally self-insured, to be an uninsured auto.

This Part is Compulsory. You must have limits of $20,000 per person

and $40,000 per accident. However, you may want to buy more

protection. If so, we must sell you limits up to $35,000 per person and

$80,000 per accident, provided you have purchased at least these limits

for Part 5. Higher limits may be purchased if agreed upon by you and

by us.

We will pay damages to or for:

1. You, while occupying your auto, while occupying an auto you do

not own, or if injured as a pedestrian.

2. Any household member, while occupying your auto, while

occupying an auto not owned by you, or if injured as a pedestrian. If

there are two or more policies which provide coverage at the same

limits, we will only pay our proportionate share. We will not pay

damages to or for your spouse or any household member who has an

auto policy of his or her own. We will not pay damages to or for anyone

who is covered by an auto policy of another household member

providing uninsured auto insurance with higher limits.

3. Anyone else while occupying your auto. We will not pay damages

to or for anyone else who has an auto policy of his or her own. We will

not pay damages to or for anyone who is covered by an auto policy of

another household member providing uninsured auto insurance.

4. Anyone else for damages he or she is entitled to recover because of

injury to a person covered under this Part.

If you are injured while occupying your auto and you have two or

more autos insured with us with different limits, we will only pay up to

the limits shown on your Coverage Selections Page for the auto you are

occupying when injured.

PA300MA (12/17)

Compulsory

Insurance

(Continued)

If you are injured as a pedestrian or while occupying an auto you do

not own and you have two or more auto policies which provide

coverage at different limits, the policy with the higher limits will pay. If

there are two or more policies which provide coverage at the same

limits, we will only pay our proportionate share.

We will not pay damages to anyone under this Part while your auto is

being used as, or is available for use as, a public or livery

conveyance, including a vehicle for hire through a ride-sharing

program, car-sharing program, and transportation network service

which operate under an agreement and for compensation. This does

not apply to the use of your auto in a share-the-expense car pool or

an expense reimbursement program either as a volunteer or at work.

This does not apply to the use of your auto in providing volunteer

transportation services at the direction of a charitable group.

We will not pay under this Part for injuries which occur while an auto is

being used in any racing, speed, stunting, or demolition contest or

activity.

We will not pay damages to or for you, if struck by, or while

occupying an auto you own and which does not have compulsory

auto insurance.

Likewise, we will not pay damages to or for any household member if

struck by, or while occupying an auto owned by that household

member which does not have compulsory auto insurance.

The most we will pay for damages to or for anyone injured while using

an auto without the consent of the owner is $35,000 per person and

$80,000 per accident, or the limits you purchased, whichever is less.

We will reduce the damages an injured person is entitled to recover

by:

1. The amount recovered from any legally responsible person

provided the injured person is fully paid for his or her damages for

bodily injury.

2. The amount paid under a workers’ compensation law or similar

law.

3. Any expenses that are payable or would have been payable,

except for a deductible, under the PIP coverage of this policy or any

other auto policy.

We will pay the balance of the damages up to the limits shown for this

Part on your Coverage Selections Page.

The decision as to whether an injured person is entitled to recover

damages from the legally responsible owner or operator will be by

agreement between us and the injured person. The amount of the

damages, if any, will be determined in the same way. Arbitration will

PA300MA (12/17)

Compulsory

Insurance

(Continued)

be used if no agreement can be reached. Unless otherwise agreed, all monetary

awards not paid within thirty days after the receipt of the award will bear interest

from the date of the award at the rate allowed by statute. In no event may a

demand for arbitration be the first notice of claim. We must be given sufficient

notice of claim to conduct a reasonable investigation and attempt settlement

before arbitration can be filed.

If an injured person settles a claim as a result of an accident covered under this

Part, we will pay that person only if the claim was settled with our consent. We

will not be bound under this Part by any judgment resulting from a lawsuit

brought without our written consent. We will not unreasonably withhold our

consent.

The most we will pay for injuries to one or more persons as a result of bodily

injury to any one person in any one accident is shown on the Coverage

Selections Page as the “per person” limit. Subject to this limit, the most we will

pay for injuries to two or more people as the result of bodily injury to two or more

people in any one accident is shown on the Coverage Selections Page as the

“per accident” limit. This is the most we will pay as the result of a single accident.

The limits of two or more autos or policies shall not be added together, combined,

or stacked, to determine the limits of coverage available to anyone covered

under this Part. This applies regardless of the number of autos involved, persons

covered, claims made, or premiums shown on the Coverage Selections Page.

We will not make payments under this Part which duplicate payments under the

uninsured auto insurance of any other auto policy.

This Part will not benefit any insurer or self-insurer under a workers’

compensation law or any similar law.

Part 4. Under this Part, we will pay for damage or destruction of the tangible property

Damage To of others caused by an accident and arising from the ownership, maintenance,

Someone Else’s or use of an auto, including loading and unloading. The amount we will pay is

Property. the amount the owner of the property is legally entitled to collect through a court

judgment or settlement for the damaged property. We will pay only if you, a

household member, or someone else using your auto with your consent is

legally responsible for the accident. The amount we will pay includes, if any,

applicable sales tax and the loss of use of the damaged property. The amount

we will pay does not include compensation for physical damage to, or towing or

recovery of, your auto or other auto used by you or a household member with

the consent of the owner, or any decreased value or intangible loss claimed to

result from the property damage unless otherwise required by law.

We will not pay for property damage which occurs:

PA300MA (12/17)

Compulsory

Insurance

(Continued)

1. While your auto is being used as, or is available for use as, a public or

livery conveyance, including a vehicle for hire through a ride-sharing program,

car-sharing program, and transportation network service which operate under

an agreement and for compensation. This does not apply to the use of your

auto in a share-the-expense car pool or an expense reimbursement program

either as a volunteer or at work. This does not apply to the use of your

auto in providing volunteer transportation services at the direction of a

charitable group.

2. While any auto is being used by anyone in the course of his or her

employment in the business of selling, servicing, repairing or parking autos.

This exclusion does not apply to the ownership, maintenance or use of your

auto by you or a household member.

3. While anyone is using an auto in the course of any business other than the

business of selling, servicing, repairing or parking autos. This exclusion does

not apply to private passenger autos. It applies to pick-up trucks, vans, or

similar vehicles used for the delivery or transportation of goods or materials

unless such use is incidental to your business of installing, maintaining, or

repairing furnishings or equipment.

4. While a household member is using an auto which you or any

household member owns or uses regularly unless a premium for this Part is

shown for that auto on the Coverage Selections Page.

5. While you are using an auto which you own or use regularly unless a

premium for this Part is shown for that auto on the Coverage Selections Page.

6. To an auto or other property owned by you or the legally responsible

person. Similarly, we will not pay for damage to an auto or other property,

except for a private residence or garage, which you or the legally responsible

person rents or has in his or her care.

7. When the property damage is caused by anyone using an auto without the

consent of the owner.

8. While an auto is being used in any racing, speed, stunting, or demolition

contest or activity.

The most we will pay for damage resulting from any one accident is shown on

the Coverage Selections Page. This is the most we will pay as the result of a

single accident no matter how many autos or premiums are shown on the

Coverage Selections Page.

If someone covered under this Part is using an auto he or she does not own at

the time of the accident, the owner’s auto insurance must pay its limit before

we pay. Then, we will pay for any damages not paid by that insurance, up to

the policy limit shown on the Coverage Selections Page. However, if the claim

is covered by us and another auto policy, we will pay only our proportionate

share of those damages not paid by the owner’s auto insurance.

PA300MA (12/17)

Optional

Insurance

Under this Part, we may have to pay for property damage even if you or the

legally responsible person fails to give us prompt notice of the accident. In that

case we may be entitled to reimbursement from that person.

This Part is Compulsory. You must have limits of at least $5,000. However, you

may want to buy more protection. Higher limits may be purchased if agreed

upon by you and by us.

There are eight separate Parts to Optional Insurance. They are called Optional

Insurance because they are not required by law. The amount of insurance and

cost of any of these Parts you purchased is shown on the Coverage Selections

Page.

With the exception of Towing and Labor (Part 11), we must sell you any or all of

the Optional coverages you wish. These are subject to certain deductibles and

limits specified in Massachusetts law. However, the law states that we may

refuse to sell Collision (Part 7), Limited Collision (Part 8), and Comprehensive

(Part 9) in certain specified instances.

Because Collision (Part 7) and Limited Collision (Part 8) duplicate each other in

many ways, you may buy one of them but not both. If you do not buy either one,

you still have the right to sue people who damage your auto but we will not

provide any assistance to you under this policy.

We will not pay under any of the Optional coverages:

1. If the accident happens while your auto is being used as, or is available for

use as, a public or livery conveyance, including a vehicle for hire through a ride-

sharing program, car-sharing program, and transportation network service which

operate under an agreement and for compensation. This does not apply to the

use of your auto in a share-the-expense car pool or an expense reimbursement

program either as a volunteer or at work. This does not apply to the

use of your auto in providing volunteer transportation services at the direction

of a charitable group.

2. For loss of or damage to any electronic equipment that reproduces, receives

or transmits audio, visual or data signals, unless it has been permanently

installed in the auto in locations used by the auto manufacturer for installation of

such equipment. If the electronic equipment is permanently installed but not in

locations used by the auto manufacturer, we will only pay up to $1,000 for loss to

such equipment.

Electronic Equipment includes but is not limited to:

A. Radios and Stereos;

B. Cassette and Compact Disc Systems;

C. Navigation Systems, Internet Access Systems, and Personal Computers;

D. Video Entertainment Systems, Telephones and Televisions;

E. Two-way mobile radios, Scanners and Citizens Band Radios.

Tapes, discs, cassettes, and other media are not covered.

PA300MA (12/17)

Optional

Insurance

(Continued)

3. For loss of or damage to any custom furnishings or custom equipment in or

upon any pick-up truck, van or similar vehicle. Custom furnishings or custom

equipment include but are not limited to the following items: special carpeting and

insulation, furniture, bars, television receivers, facilities for cooking and sleeping,

height-extending roofs, custom murals, paintings or other decals or graphics.

4. For loss or damage to equipment designed for the detection or avoidance of

any law enforcement speed measuring device. This does not apply to electronic

equipment designed solely for safety warning systems.

5. For injury or damage that is intentionally caused by you, a household

member or anyone else using your auto with your consent.

6. For injury or damage resulting from an accident while an auto is being used in

any racing, speed, stunting, or demolition contest or activity.

Part 5. Under this Part, we will pay damages to people injured or killed in an accident

Optional Bodily if you or a household member is legally responsible for the accident and such

Injury To Others. accident arises out of the ownership, maintenance, or use of an auto by you or

the household member. We will also pay damages if someone else using your

auto with your consent is legally responsible for the accident. The damages we

will pay are the amounts the injured person is entitled to collect for bodily injury

through a court judgment or settlement. We will not pay punitive or exemplary

damages.

This Part is similar to Compulsory Bodily Injury To Others (Part 1). It pays for

accidents involving your auto in Massachusetts and does not pay for the benefit

of anyone using an auto without the consent of the owner. Unlike the Compulsory

Part, this Part provides coverage for injuries to guest occupants and for accidents

occurring outside Massachusetts.

We will not pay or defend:

1. For injuries to employees of the person using the auto who are injured in the

course of employment.

2. For injuries resulting from an accident while a household member is using

an auto which you or any household member owns or uses regularly, unless a

premium for this Part is shown for that auto on the Coverage Selections Page.

3. For injuries resulting from an accident while you are using an auto which you

own or use regularly unless a premium for this Part is shown for that auto on the

Coverage Selections Page.

4. While any auto is being used by anyone in the course of his or her

employment in the business of selling, servicing, repairing, or parking autos.

This exclusion does not apply to the ownership, maintenance or use of your

auto by you or a household member.

PA300MA (12/17)

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(Continued)

5. While anyone is using a vehicle in the course of any business other than the

business of selling, servicing, repairing or parking autos. This exclusion does not

apply to private passenger autos. It applies to pick-up trucks, vans, or similar

vehicles used for the delivery or transportation of goods or materials unless such

use is incidental to your business of installing, maintaining, or repairing

furnishings or equipment.

6. For liability assumed under any other contract or agreement.

Your policy will automatically apply to an accident that occurs in any other State

or a Canadian province if you have purchased any coverage under this Part if

the state or province has a:

1. Financial responsibility law or similar law requiring limits of liability for bodily

injury or property damage higher than the limits you have purchased, your policy

will provide the higher required limits.

2. Compulsory insurance or similar law requiring your auto to have insurance

whenever it is used in the state or province, your policy will provide at least the

required minimum amounts and types of coverage.

The limits shown for this Part on the Coverage Selections Page are the total

limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part.

This means that the Compulsory limits are included within the limits shown on the

Coverage Selections Page for this Part and are not in addition to them.

The most we will pay for injuries to one or more persons as a result of bodily

injury to any one person in any one accident is shown on the Coverage

Selections Page as the “per person” limit for the auto involved in that accident.

Subject to this limit, the most we will pay for injuries to two or more people as the

result of bodily injury to two or more people in any one accident is shown on the

Coverage Selections Page as the “per accident” limit for the auto involved in that

accident. This is the most we will pay as the result of a single accident no matter

how many autos or premiums are shown on the Coverage Selections Page.

If someone covered under this Part is using an auto he or she does not own at

the time of the accident, the owner’s auto insurance must pay its limits before we

pay. Then, we will pay for any damages not paid by that insurance, up to the

policy limits shown on your Coverage Selections Page. If the claim is covered by

us and another auto policy, we will pay only our proportionate share of those

damages not paid by the owner’s auto insurance.

Any payments we make to anyone or for anyone under Bodily Injury Caused By

An Uninsured Auto (Part 3) will reduce the amount of damages that person is

entitled to recover from anyone covered under this Part.

We will also pay up to $250 for the cost of bail bonds required as a result of an

accident covered under this Part including bail bonds for traffic law violations

related to the accident.

PA300MA (12/17)

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(Continued)

We must sell you limits up to $35,000 per person and $80,000 per accident if you

want to buy them. Higher limits may be purchased if agreed upon by you and by

us.

Part 6. Under this Part, we will pay reasonable expenses for necessary medical and

Medical Payments. funeral services incurred as a result of an accident.

We will pay for expenses resulting from bodily injuries to anyone occupying

your auto at the time of the accident. We will also pay for expenses resulting

from bodily injuries to you or any household member if struck by an auto or if

occupying someone else’s auto at the time of the accident.

We will not pay for expenses resulting from injuries to:

1. Anyone injured while in a vehicle which had been placed off the public roads

for use as a residence.

2. Anyone injured in the course of employment in selling, servicing, repairing or

parking autos if that person is entitled to workers’ compensation benefits.

3. Anyone employed by you or your spouse who is injured in the course of

employment. This exception does not apply to any domestic employee who

is not entitled to any workers’ compensation benefits.

4. Anyone injured while occupying an auto without a reasonable belief that he

or she had the consent of the owner to do so.

5. A household member, other than your spouse, while occupying or struck by

an auto owned or regularly used by you or any household member unless a

premium for this Part is shown for that auto on the Coverage Selections

Page.

6. You while occupying or struck by an auto owned or regularly used by

you unless a premium for this Part is shown for that auto on the

Coverage Selections Page.

7. Any person who contributed to his or her injury by operating an auto (a) while

under the influence of alcohol, marijuana, or narcotic drugs, (b) while

committing a felony or seeking to avoid arrest by a police officer, or (c) with

the specific intent of causing injury to himself, herself, or others.

8. Anyone who is entitled to benefits under a workers’ compensation law or

similar law for the same injury.

No payments will be made under this Part that duplicate payments made for the

same bodily injuries under Parts 1, 2, 3, 5, or 12 of this Policy. In addition, no

payments will be made under this Part that duplicate payments made for the

same bodily injuries under any other auto insurance policy or under a health

insurance policy covering the injured person.

We will not pay for expenses incurred more than two years after the date of the

accident. We will not pay under this Part for any expenses that are payable, or

would have been payable except for a deductible, under the PIP coverage of this

policy or any other Massachusetts auto policy.

PA300MA (12/17)

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(Continued)

The most we will pay for any one person as a result of any one accident is shown

on the Coverage Selections Page. That amount is also the most we will pay as

the result of a single accident no matter how many autos or premiums are shown

on the Coverage Selections Page.

If someone covered under this Part is also entitled to Medical Payments

coverage under another auto policy issued to you or any household member,

we will pay only our proportionate share. If someone covered under this Part is

using an auto he or she does not own at the time of the accident, the owner’s

Medical Payments insurance must pay its limit before we pay. Then, we will pay

up to the limit shown on your Coverage Selections Page for any expenses not

covered by that insurance.

We will not pay benefits under this Part which duplicate payments made under

the Medical Payments coverage of any other auto policy.

We must sell you limits of $5,000 per person if you want to buy them. Higher

limits may be purchased if agreed upon by you and us.

Part 7. Under this Part, we will pay for any direct and accidental damage to your auto

Collision. caused by a collision. We will also pay for collision damage to other private

passenger autos while being used by you or a household member with the

consent of the owner. It does not matter who is at fault. We will pay the cost to

repair the auto or any of its parts up to the actual cash value of the auto or any of

its parts at the time of the collision. We will not pay for any decrease in value

claimed to result from the loss. The most we will pay will be either the actual cash

value of the auto or the cost to repair the auto, whichever is less. The cost to

repair the auto is limited to the prevailing competitive price, which is the price we

can secure from a licensed repair facility conveniently located to you. Unless you

have purchased agreed amount coverage, actual cash value of the auto will be

determined at the time of the loss. Actual cash value may include an adjustment

for depreciation and betterment and for the physical condition of the auto. We

will, at our option, repair the auto, repair or replace any of its parts, or declare

the auto a total loss. If the repair of a damaged part will impair the operational

safety of the auto we will replace the part.

We will also pay reasonable and necessary expenses for towing, recovery

and storage of your auto.

In all cases we will subtract the deductible amount you selected. Unless you

selected a different amount, the law sets your deductible at $500. Your

deductible is shown on the Coverage Selections Page.

We will not pay for damage to any auto which is owned or regularly used by you

or a household member unless a premium for this Part is shown for that auto on

the Coverage Selections Page.

We will not pay for any liability assumed under any other contract or agreement.

PA300MA (12/17)

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(Continued)

We will not pay for a collision loss for an accident which occurs while your auto

is being operated by a household member who is not listed as an operator on

this policy. Payment is withheld when the household member, if listed, would

require the payment of additional premium on this policy because:

1. The household member would be classified as an inexperienced operator,

2. More points would be assigned under a merit rating plan.

You must notify us within 60 days after a person who will operate your auto

becomes a household member, if that person was not a household member

on the effective date of your policy. In the same manner, you must notify us if a

household member, who will operate your auto, becomes a licensed operator.

If we pay for the total loss of your auto, we will suspend the Collision Coverage

for that auto until it passes a motor vehicle Test.

Camper bodies are not covered under this Part unless specifically shown on the

Coverage Selections Page or by endorsement. An additional premium will be

charged for insuring a camper body.

If an auto covered under this Part is not owned by you at the time of the accident,

the owner’s auto insurance must pay its limit before we pay. Then, we will pay,

up to the limit shown on your Coverage Selections Page, for any damage not

covered by that insurance less the deductible amount you selected.

Part 8.

Limited Collision. Under this Part, we will pay in some situations for direct and accidental

damage to your auto caused by a collision. We will also pay in these situations

for damage to other private passenger autos while being used by you or a

household member with the consent of the owner.

We will pay the cost to repair the auto or any of its parts up to the actual cash

value of the auto or any of its parts at the time of the collision. We will not pay

for any decrease in value claimed to result from the loss. The most we will pay

will be either the actual cash value of the auto or the cost to repair the auto,

whichever is less. The cost to repair the auto is limited to the prevailing

competitive price, which is the price we can secure from a licensed repair facility

conveniently located to you. Unless you have purchased agreed amount

coverage, actual cash value of the auto will be determined at the time of the loss.

Actual cash value may include an adjustment for depreciation and betterment

and for the physical condition of the auto. We will, at our option, repair the auto,

repair or replace any of its parts, or declare the auto a total loss. If the repair of a

damaged part will impair the operational safety of the auto we will replace the

part.

We will also pay reasonable and necessary expenses for towing, recovery

and storage of your auto.

PA300MA (12/17)

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(Continued)

In all cases we will subtract the deductible amount you selected. Unless you

selected a different amount, the law sets your deductible at $500. Your

deductible is shown on the Coverage Selections Page.

We will not pay for damage to any auto which is owned or regularly used by you

or a household member unless a premium for this Part is shown for that auto on

the Coverage Selections Page.

We will not pay for any liability assumed under any other contract or agreement.

We will not pay for a loss for an accident which occurs while your auto is being

operated by a household member who is not listed as an operator of this policy.

Payment is withheld when the household member, if listed, would require the

payment of additional premium on this policy because:

1. The household member would be classified as an inexperienced operator,

2. More points would be assigned under a merit rating plan.

You must notify us within 60 days after a person who will operate your auto

becomes a household member if that person was not a household member on

the effective date of your policy. In the same manner, you must notify us if a

household member, who will operate your auto, becomes a licensed operator.

The protection under this Part is not as broad as under Collision coverage but the

premium is considerably less.

We only pay under this Part for multiple car accidents in which the driver of the

auto we are covering was no more than 50% at fault. We will not pay if the

owner of the other auto cannot be identified. We are required to determine

whether the driver of the auto we are covering was more than 50% at fault. We

will notify you of our decision.

As long as the driver of the auto covered under this Part was not more than 50%

at fault, his or her percentage of fault will not affect the amount of our payment.

We will consider the driver of the auto covered under this Part to be no more than

50% at fault if:

1. The auto was legally parked when struck by another auto.

2. The auto was struck in the rear by another auto moving in the same direction.

3. The operator of the other auto was convicted of certain violations of law. We

will not pay if the operator of the auto covered under this Part was also convicted

of one of the same violations.

4. That driver is entitled to recover in court against an identified person for some

reason other than those listed above.

If we pay for the total loss of your auto, we will suspend the Limited Collision

Coverage for that auto until it passes a motor vehicle inspection test.

PA300MA (12/17)

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(Continued)

Camper bodies are not covered under this Part unless specifically shown on the

Coverage Selections Page or by endorsement. An additional premium will be

charged for insuring a camper body.

If an auto covered under this Part is not owned by you at the time of the accident,

the owner’s auto insurance must pay its limit before we pay. Then, we will pay,

up to the limit shown on your Coverage Selections Page, for any damage not

covered by that insurance less the deductible amount you selected.

Part 9. Under this Part, we will pay for direct and accidental damage to or loss of your

Comprehensive.

auto other than damage caused by collision. We will also pay for such damage

or loss to other private passenger autos while being used by you or a household

member with the consent of the owner.

We will pay the cost to repair the auto or any of its parts up to the actual cash

value of the auto or any of its parts at the time of loss. We will not pay for any

decrease in value claimed to result from the loss. The most we will pay will be

either the actual cash value of the auto or the cost to repair the auto, whichever

is less. The cost to repair the auto is limited to the prevailing competitive price,

which is the price we can secure from a licensed repair facility conveniently

located to you. Unless you have purchased agreed amount coverage, actual

cash value of the auto will be determined at the time of the loss. Actual cash

value may include an adjustment for depreciation and betterment and for the

physical condition of the auto. We will, at our option, repair the auto, repair or

replace any of its parts, or declare the auto a total loss. If the repair of a

damaged part will impair the operational safety of the auto we will replace the

part. We will reimburse you for substitute transportation expenses if your auto is

stolen.

We will also pay reasonable and necessary expenses for towing, recovery

and storage of your auto.

In all cases we will subtract the deductible amount you selected. Unless you

selected a different amount, the law sets your deductible at $500. Your

deductible is shown on the Coverage Selections Page. Your deductible does not

apply to glass breakage or substitute transportation expenses following a theft.

We will not pay for such damage or loss to any auto which is owned or regularly

used by you or a household member unless a premium for this Part is shown

for that auto on the Coverage Selections Page. This part is not a substitute for

Collision (Part 7) or Limited Collision (Part 8).

We will not pay for any liability assumed under any other contract or agreement.

PA300MA (12/17)

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(Continued)

We consider glass breakage when not involving other collision loss to be a

Comprehensive loss. We consider the following types of losses to be

Comprehensive and not Collision losses: losses caused by vandalism, fire and

theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail,

water, flood, malicious mischief, riot or contact with a bird or animal.

If your auto is stolen, you must report the theft to us and the police. We will

reimburse you only for transportation expenses incurred after the first 48 hours

following those reports. We will not pay for transportation expenses incurred prior

to that time. After that, we will reimburse you up to $15 a day to a maximum

of $450.

Your right to reimbursement stops on the day your auto is located or before that

time if we pay you for the theft loss.

If you choose not to rent an auto, we will reimburse you up to the same amount

for taxicab fares, bus fares and other transportation expenses. If your auto is

found, we will pay the cost of transporting it to your last address shown on the

Coverage Selections Page. However, our total payment for transporting the auto

and for repairs will not be more than the actual cash value of the auto.

If your auto is damaged by fire, you must report the loss to us and the fire

department.

Massachusetts law requires that if we pay for the total loss of your auto as a

result of a fire or theft, we may suspend coverage for a fire or theft loss under this

Part for any replacement auto unless it is made reasonably available for our

inspection within two Registry of Motor Vehicles business days following the day

you acquired it. We may also raise your deductible unless you install an approved

anti-theft device in the replacement auto.

Camper bodies are not covered under this Part unless specifically shown on the

Coverage Selections Page or by endorsement. An additional premium will be

charged for insuring a camper body.

If an auto covered under this Part is not owned by you at the time of the accident,

the owner’s auto insurance must pay its limit before we pay. Then, we will pay,

up to the limit shown on your Coverage Selections Page, for any damage or loss

not covered by that insurance less the deductible amount you selected.

PA300MA (12/17)

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(Continued)

Part 10. Under this Part, we will reimburse you in certain situations up to the limits

Substitute

shown on your Coverage Selections Page. We will reimburse you if your auto

Transportation.

was in a collision and is being repaired or replaced. We will also reimburse you

if your auto cannot be used because of the kind of damage or loss, including

theft, that is covered under Comprehensive (Part 9).

We will not make any payments unless you lose the use of your auto for at least

24 hours.

Reimbursement for rental charges and transportation expenses will end the

earliest of when your auto has been returned to you, repaired, or replaced. We

will pay only for a period of time which is reasonable for having your auto

repaired or replaced. If your auto is deemed by us to be a total loss,

reimbursement for rental charges and transportation expenses will end seven

business days after we offer to pay the actual cash value under Part 7, Part 8, or

Part 9.

If your auto is stolen, you must report the theft to us and the police. We will

reimburse you only for transportation expenses incurred after the first 48 hours

following those reports. We will not pay for transportation expenses incurred

prior to that time.

Under Comprehensive (Part 9) there is substitute transportation coverage when

your auto is stolen. If you purchase both Comprehensive and $15/$450 limits

under this Part, Comprehensive will pay first until its coverage is no longer

available. Then this Part will pay. If you purchase $30/$900 limits under this

Part, the most we will pay under Comprehensive (Part 9) and this Part is up to

$30 a day to a maximum of $900. If you purchase higher limits under this Part,

the most we will pay under Comprehensive (Part 9) and this Part are the limits for

this Part.

The Coverage under this Part will not duplicate any payments under

Comprehensive (Part 9).

If you choose not to rent an auto, we will reimburse you up to the same amounts

for taxicab fares, bus fares, and other transportation expenses.

Part 11. Under this Part, we will pay up to the limit shown on your Coverage

Towing And Labor.Selections Page for towing, recovery, and labor costs incurred each time your

auto is disabled. We will pay only for labor done at the scene to the

extent that the labor was needed to get your auto going. We will

not pay for the cost of repair parts.

PA300MA (12/17)

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(Continued)

Part 12. Sometimes an owner or operator of an auto legally responsible for an accident

Bodily Injury is underinsured. Under this Part, we will pay damages for bodily injury to people

Caused By An injured or killed as a result of certain accidents caused by someone who does

Underinsured Auto. not have enough insurance.

We will only pay if the injured person is legally entitled to recover from the

owners or the operators of all underinsured autos. Such injured person has a

claim under this Part when the limits for auto bodily injury liability insurance

covering the owners and operators of the legally responsible autos are:

1. Less than the limits shown for this Part on your Coverage Selections Page;

and

2. Not sufficient to pay for the damages sustained by the injured person.

We will pay damages to or for:

1. You, while occupying your auto, while occupying an auto you do not own,

or if injured as a pedestrian.

2. Any household member, while occupying your auto, while occupying an

auto not owned by you, or if injured as a pedestrian. If there are two or more

policies which provide coverage at the same limits, we will only pay our

proportionate share. We will not pay damages to or for your spouse or any

household member who has an auto policy of his or her own. We will not pay

damages to or for anyone who is covered by an auto policy of another

household member providing underinsured auto insurance with higher limits.

3. Anyone else while occupying your auto. We will not pay damages to or for

anyone else who has a Massachusetts auto policy of his or her own. We will not

pay damages for anyone who is covered by an auto policy of another household

member providing underinsured auto coverage.

4. Anyone else for damages he or she is entitled to recover because of injury to

a person covered under this Part.

If you are injured while occupying your auto and you have two or more autos

insured with us with different limits, we will only pay up to the limits shown on

your Coverage Selections Page for the auto you are occupying when injured.

If you are injured as a pedestrian or while occupying an auto you do not own

and have two or more auto policies which provide coverage at different limits, the

policy with the higher limits will pay. If there are two or more policies which

provide coverage at the same limits, we will only pay our proportionate share.

PA300MA (12/17)

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(Continued)

We will not pay to or for:

1. You while occupying an auto you own unless a premium charge is shown for

that auto on your Coverage Selections Page.

2. Anyone injured while using an auto without the consent of the owner.

3. Any household member if struck by or while occupying an auto owned by

that household member which does not have Massachusetts compulsory auto

insurance.

We will reduce the damages an injured person is entitled to recover by:

1. The total amount collected from the automobile bodily injury liability insurance

covering the legally responsible owners and operators of all insured autos.

2. The amount recovered from any legally responsible person provided the

injured person is fully paid for his or her damages for bodily injury.

3. The amount paid under a workers’ compensation law or similar law.

4. Any expenses that are payable or would have been payable, except for a

deductible, under the PIP coverage of this policy or any other auto policy.

If only one person sustains bodily injury, we will pay any unpaid damages up to

the difference between the total amount collected from the auto bodily injury

liability insurance covering the legally responsible owners and operators of all

insured autos and the “per person” limit shown for this Part on your Coverage

Selections Page. This is the most we will pay for injuries to one or more persons

as the result of bodily injury to any one person in any one accident.

Subject to the “per person” limit, if two or more people sustain bodily injury and

are entitled to coverage under this Part, we will pay any unpaid damages up to

the difference between the auto bodily injury liability insurance “per accident” limit

covering the legally responsible owners and operators and the “per accident” limit

shown for this Part on your Coverage Selections Page. This is the most we will

pay for injuries to two or more people as the result of bodily injury to two or more

people in any one accident.

The decision as to whether an injured person is legally entitled to recover

damages from the legally responsible owner or operator will be by agreement

between us and the injured person. The amount of damages, if any, will be

determined in the same way. Arbitration will be used if no agreement can be

reached. Unless otherwise agreed, all monetary awards not paid within thirty

days after receipt of the award shall bear interest from the date of the award at

the rate allowed by statute. In no event may a demand for arbitration constitute

first notice of claim. We must be given sufficient notice of claim to conduct a

reasonable investigation and attempt settlement before arbitration can be filed.

PA300MA (12/17)

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If an injured person settles a claim as a result of an accident covered under this

Part, we will pay that person only if the claim was settled with our consent. We

will not be bound under this Part by any judgment resulting from a lawsuit

brought without our written consent. We will not, however, unreasonably withhold

our consent.

The limits of two or more autos or policies shall not be added together, combined

or stacked, to determine the limits of coverage available to anyone covered

under this Part, regardless of the number of autos involved, persons covered,

claims made, or premiums shown on the Coverage Selections Page.

We will not make payments under this Part which duplicate payments under the

underinsured auto insurance of any other auto policy.

This Part will not benefit any insurer or self-insurer under a workers’

compensation law or any similar law.

PA300MA (12/17)

General Provisions

And Exclusions

This section of the policy contains general provisions which, unless

otherwise noted, apply to all your coverages. It also describes some

situations in which policy benefits will not be paid.

1. Where You Compulsory Bodily Injury To Others (Part 1) only covers accidents

Are Covered. in Massachusetts. All the other Parts provide coverage for accidents

and losses which happen in the United States or Canada. We

consider United States territories and possessions and Puerto Rico

to be part of the United States. We will pay for accidents and losses

which happen while your auto is being transported between ports

of the United States and Canada. Your auto is not covered in any

other country.

2. Our Duty To We have the right to defend any lawsuit brought against anyone

Defend You And covered under this policy for damages which might be payable

Our Right To Settle. under this policy. We also have a duty to defend any such lawsuit,

even if it is without merit, but our duty to defend ends when we

tender, or pay to any claimant or to a court of competent jurisdiction,

with the court’s permission, the maximum limits of coverage under

this policy. We may end our duty to defend at any time during the

course of the lawsuit, by tendering, or paying the maximum limits of

coverage under the policy, without the need for a judgment or

settlement of the lawsuit or a release by the claimant.

We have the right to settle any claim or lawsuit as we see fit. If any

person covered under this policy settles a claim without our consent,

we will not be bound by that settlement.

3. Additional Costs We will pay, in addition to the limits shown for Compulsory and

We Will Pay. Optional Bodily Injury To Others (Parts 1 and 5) and Damage To

Someone Else’s Property (Part 4):

A. Premiums on appeal bonds and premiums on bonds to release

attachments for an amount up to the applicable limits you selected in

any suit we defend.

B. Interest on that part of a judgment or arbitration award that is

within our limits of liability which accrues after the judgment or award

in any matter we defend. We will not pay interest that accrues after

we have offered to pay up to the limits you selected.

C. Up to $40 a day for loss of earnings, but not for loss of other

income, to any person covered under this policy who attends

hearings or trials at our request.

D. Other reasonable expenses incurred at our request.

PA300MA (12/17)

General Provisions

And Exclusions

(Continued)

4. What Happens If you die, we will continue coverage for the period of this policy for:

If You Die.

A. Your spouse, if a household member at your death.

B. Any legal representative to the extent he or she is responsible

for maintenance or use of your auto.

C. Any person having proper temporary custody of your auto.

5. Our Right Sometimes we may make a payment under this policy to you or to

To Be Repaid. someone else who has a separate legal right to recover damages

from others. In that case, those legal rights may be exercised by us.

Anyone receiving payment under those circumstances must do

nothing to interfere with those rights. He or she must also do what-

ever is necessary to help us recover for ourselves up to the amount

we have paid. If we then recover more than we paid, we will pay

that person the excess, less his or her proportionate share of the

costs of recovery, including reasonable attorney’s fees. Any amount

recovered, because of a payment we make under Part 3 or Part 12

of this policy shall first be applied to any unpaid damages due that

person. Such unpaid damages must be a part of a claim settled

with our consent or a part of a judgment resulting from a lawsuit

brought with our written consent. Any balance then remaining shall

be applied to the amounts we have paid under Part 3 or Part 12.

We will reduce the amount we will pay that person by his or her

proportionate share of the costs of recovery including reasonable

attorney’s fees.

Sometimes you or someone else may recover money from the

person legally responsible for an accident and also receive money

from us for the same accident. If so, the amount we paid must be

repaid to us to the extent that you or someone else recovers. If you

or someone else recover money from the person legally

responsible for the accident and also receive money from us for the

same accident as a payment under Part 3 or Part 12 of this policy,

we must be repaid for any amounts so paid but only to the extent

that such recovery exceeds any unpaid damages due that person

under a claim settled with our consent or judgment resulting from a

lawsuit brought with our written consent.

Whenever we are entitled to repayment from anyone, the amount

owed us can be reduced by our proportionate share of the costs of

recovering the money, including reasonable attorneys’ fees.

PA300MA (12/17)

General Provisions

And Exclusions

(Continued)

6. When You Have You may have more than one policy with us covering the same

More Than One Auto accident. In that case, the most we will pay is the highest amount

Policy With Us. payable under the applicable coverage in any one of those policies.

However, claims made under Bodily Injury Caused By An Uninsured Auto

(Part 3) and Bodily Injury Caused By An Underinsured Auto (Part 12) are

treated differently. The difference is explained in the description of the

coverage for that Part.

7. If You Go Bankruptcy or insolvency of any person covered under this policy does

Bankrupt.

not relieve us of any of our obligations under this policy.

8. We Do Not Pay We will not pay under Damage To Someone Else’s Property (Part

For Nuclear Losses 4) and Optional Bodily Injury To Others (Part 5) for any person who

Or War Losses. is an insured under a nuclear energy liability policy or who would be an

insured under such a policy had it not already exhausted its limits.

We will not pay under Medical Payments (Part 6), Collision, Limited

Collision or Comprehensive (Parts 7, 8 and 9) for losses or damage

caused by radioactive contamination or by acts of war, insurrection,

rebellion or revolution or any act incident to any of these.

9. We Do Not Pay We will not pay for damage to your auto which is due solely to ordinary

For Ordinary wear and tear, freezing, mechanical or electrical failure, or for ordinary

Wear Or Tear. road damage to tires. We will, however, pay for this damage if it is the

result of some other loss which is covered by this policy.

10. If We Pay If we pay for the total loss of your auto, we have the right, if we so

For A Total Loss. choose, to take title to that auto. We also have the right, if we so choose,

to take any damaged part for which we pay.

11. Repair And Under Collision, Limited Collision and Comprehensive (Parts 7, 8

Payment After A

Collision Or

Loss; If We

Disagree On The

Amount Of

Damage

(Parts 7, 8 and 9).

PA300MA (12/17)

and 9), you must allow us to have the auto appraised after a collision or

loss. If we have a direct payment plan approved by the Commissioner

of Insurance, we will pay you in accordance with the appraisal and allow

you to select a repair shop of your choice. If you choose not to have

your auto repaired, or if we do not receive your Repair Certificate Form,

or, when requested, you do not make your auto available for reinspection

within a reasonable period of time following repair, our payments

automatically reduce the actual cash value of your auto if you have further

claims. If you later give us proof of proper repair, the actual cash value will

be increased.

If you choose not to accept payment under our direct payment plan or we

do not have such a plan, and you have your auto repaired in accordance

with the appraisal, you must send us a Completed Work Claim Form. We

must pay you within 7 days after receiving the form.

General Provisions

And Exclusions

(Continued)

If we fail to pay you within 7 days after receipt of the Completed Work

Claim Form, you have the right to sue us. If a court decides that we were

unreasonable in refusing to pay you on time, you are entitled to double the

amount of damage plus costs and reasonable attorneys’ fees. We will pay

the repair shop directly if you request and the repair shop certifies that it

meets certain requirements. If you choose not to have your auto repaired,

or if we do not receive your Completed Work Claim Form, we will

determine the amount of decrease in the actual cash value of your auto

and pay you that amount less your deductible. Our payment reduces the

actual cash value of your auto if you have further claims. If you later give

us proof of proper repair, the actual cash value will be increased. We have

a right to inspect all repairs.

Sometimes there may be a disagreement as to the amount of money we

owe for losses or damage to an auto. If so, Massachusetts law sets forth a

method of settling the disagreement. Either you or we can, within 60 days

after you file your proof of loss, demand in writing that appraisers be

selected. The appraisers must then follow a procedure set by law to

establish the amount of damage. Their decision will be binding on you and

us. You and we must share the cost of the appraisal.

12. Sales Tax. Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9)

we will pay, subject to your deductible, all sales taxes applicable to the loss

of an auto or damage to an auto.

13. Secured Lenders. When your Coverage Selections Page shows that a lender has a secured

interest in your auto, we will make payments under Collision, Limited

Collision and Comprehensive (Parts 7, 8 and 9) according to the legal

interests of each party.

The secured lender’s right of payment will not be affected by your acts or

neglect. However we will not pay if the loss of or damage to your auto is

the result of conversion, embezzlement, or secretion by you or any

household member. Also, we will not pay the secured lender if the loss of

or damage to your auto is the result of arson, theft or any other means of

disposal committed by you or at your direction.

When we pay any secured lender we shall, to the extent of our payment

have the right to exercise any of the secured lender’s legal rights of

recovery. If you do not file a proof of loss as provided in this policy, the

secured lender must do so within 30 days after the loss or damage

becomes known to the secured lender.

PA300MA (12/17)

General Provisions

And Exclusions

(Continued)

In order for us to cancel the rights of any secured lender shown on the

Coverage Selections Page, a notice of cancellation must be sent to the

secured lender as provided in this policy.

14. No Benefits Coverage under Collision, Limited Collision and Comprehensive

To Anyone In (Parts 7, 8 and 9) shall not in any way benefit any person or organization

The Auto Business. having possession of your auto for the purpose of servicing, repairing,

parking, storing, or transporting it or for any similar purpose.

15. If Two Or More Two or more autos may be insured under this policy. There may be

Autos Are Insured different limits for each auto. If so, when someone covered under

Under This Policy. this policy is injured while a pedestrian or is using an auto other than

your auto at the time of the accident, the most we will pay under any

applicable Part is the highest limit shown for that Part for any one auto on

your Coverage Selections Page.

16. Trailers. When a trailer is attached to an auto, we consider the auto and trailer

together to be one auto in applying the limits shown on the Coverage

Selections Page under Bodily Injury To Others, Damage To Someone

Else’s Property and Optional Bodily Injury To Others (Parts 1, 4 and 5).

17.

Premiums

The premium we will charge for any extension or renewal of this policy

For Extensions will be in accordance with our rates and rules in effect at the time of the

Or Renewals. effective date of the extension or renewal.

18. False If you or someone on your behalf gives us false, deceptive, misleading

Information.

or incomplete information in any application or policy change request and

if such false, deceptive, misleading or incomplete information increases

our risk of loss, we may refuse to pay claims under any or all of the

Optional Insurance Parts of this policy. Such information includes the

description and the place of garaging of the vehicles to be insured, the

names of all household members and customary operators required to

be listed and the answers given for all listed operators. We may also limit

our payments to those amounts that we are required to sell under the

compulsory coverages of this policy.

19. Changes Which If the information contained in your application changes before this policy

Affect Premium. expires, we have the right to adjust your premium to reflect such changes.

You must inform us of any changes which may have a material effect on

your insurance coverage or premium charges. This includes the

description, ownership, type of usage and place of garaging of your auto.

It also includes the household members and individuals who customarily

operate your auto.

20. Pre-Insurance Massachusetts law provides that we may inspect certain motor

Inspection. vehicles for providing coverage for Collision, Limited Collision, or

Comprehensive (Parts 7, 8 or 9).

PA300MA (12/17)

General Provisions

And Exclusions

(Continued)

21. Actual Cash Value.Whenever the appraised cost of repair of an auto plus the probable

salvage value of the auto may be reasonably expected to exceed the

actual cash value of the auto, we shall determine the auto’s actual cash

value. Our decision shall be based on a consideration of all of the

following factors:

1) The retail book value for an auto of like kind and quality, but for the

damage incurred;

2) The price paid for the auto plus the value of prior improvements to the

auto at the time of the accident, less appropriate depreciation;

3) The decrease in value of the auto resulting from prior unrelated

damage which is detected by the appraiser; and

4) The actual cost of purchase of an available auto of like kind and

quality but for the damaged sustained.

22. Assignment. Under Collision (Part 7), Limited Collision (Part 8), and Comprehensive

(Part 9), an assignment of interest under this policy will not bind us

without our knowledge or consent. Any improper assignment shall be

void and invalid. The assignee shall acquire no rights under this contract

and we shall not recognize any such assignment. This limitation on

assignment shall not affect our right to subrogation under this policy.

PA300MA (12/17)

Cancellation

And Renewal

Cancellation.

Cancellation of this policy is something you should ordinarily have no

reason to worry about.

You can cancel any of the Optional Insurance Parts at any time by giving

us or your agent at least 20 days written notice. Because all of the

Compulsory Insurance Parts are required, you cannot cancel any of

them separately. You can cancel all of the policy by giving us or your

agent at least 20 days written notice.

We can cancel all or any part of this policy including your Compulsory

Insurance if:

1. You have not paid your premiums.

2. We find that you were responsible for fraud or material

misrepresentation when you applied for this policy or any extension or

renewal of it.

3. The driver’s license or auto registration of you, or any person who

resides in your household and usually operates an auto insured under this

policy, has been under suspension or revocation during the policy period.

You fail to comply with a request for a safety inspection test for a

vehicle for which total damage has been paid.

We can cancel Collision (Part 7), Limited Collision (Part 8), and

Comprehensive (Part 9) on a vehicle:

1. Customarily driven by or owned by persons who have within the last five

years been convicted of vehicular homicide, auto related fraud, or auto

theft, or

2. Customarily driven by or owned by persons who have within the last five

years made an intentional and material misrepresentation in making claim

under those coverages, or

3. Customarily driven or owned by persons who have within the last three

years, been convicted of any category of driving under the influence of

alcohol or drugs, or

4. For which a salvage title has been issued by the Registrar of Motor

Vehicles unless a new certificate of title has been issued in accordance

with Massachusetts law, or

5. Designated as a “high-theft vehicle” which does not have at least a

minimum anti-theft or auto recovery device as prescribed by the

Commissioner of Insurance.

PA300MA (12/17)

Cancellation

And Renewal

(Continued)

We may also cancel:

1. Collision (Part 7) and Limited Collision (Part 8) on a vehicle

customarily driven by or owned by persons who, within three years

preceding the effective date of this policy, have been involved in four

or more at-fault auto accidents. An at-fault accident is one in which

you or any person who customarily drives your auto was more than

50% at fault; and .

2. Comprehensive (Part 9) on a vehicle customarily driven by or

owned by persons who have two or more total auto theft or fire

insurance claims within the three years immediately preceding the

effective date of this policy.

If the driver’s license or auto registration of anyone residing in your

household who usually operates your auto has been under

suspension or revocation during the policy period, we may suspend

coverage for that person under any of the Optional Insurance Parts of

the policy. We may also reduce the limits available for that person

under Bodily Injury Caused By An Uninsured Auto (Part 3), Damage

To Someone Else’s Property (Part 4) to the minimum limits we are

required to sell.

We can cancel Towing And Labor (Part 11) for reasons other than

those listed above if we do so within the first 90 days of the policy

period. We can cancel, in the same manner, coverage limits which are

higher than the limits we are required by law to sell you and any

coverages designed to reduce the deductibles set by law.

Automatic

Massachusetts law provides that your policy automatically terminates

Termination.

and a Notice of Cancellation will not be sent to you when:

1. You return the registration plates for your auto to the Registry of

Motor Vehicles.

2. You purchase a new policy with another company covering your

auto and a new Certificate of Insurance is filed with the Registry of

Motor Vehicles.

3. You transfer title to your auto, and you do not register another

auto. In this case, the policy will terminate 30 days from the date of

transfer of title.

However, if more than one auto is described on the Coverage

Selections Page, the termination of coverage applies only to the auto

involved in any of the situations described above.

Legal Notice Any notice of cancellation will be sent to you at your last address

Requirement.

shown on the Coverage Selections Page at least 20 days prior to the

PA300MA (12/17)

Cancellation

And Renewal

(Continued)

effective date. A notice sent by regular mail for which a certificate of

mailing receipt has been obtained from the United States Postal

Service will be considered sufficient notice.

In order for us to cancel the rights of any secured lender shown on the

Coverage Selections Page, a notice of cancellation must also be sent

to the secured lender in a similar manner.

If we cancel this policy in its entirety, the cancellation is not effective

unless we send the required notice to the Registry of Motor Vehicles.

If the policy is cancelled, the amount of your refund will be determined

by a pro rata table based on the number of days the policy was in

effect. If the policy is cancelled by you or by law, we may give you a

refund which is less than proportional based on a “short rate” table.

No refund of premium will be sent to you upon cancellation of the

policy until we receive a receipt showing that the registration plates

assigned to the insured motor vehicle have been returned to the

Registry of Motor Vehicles or other document showing that you have

replaced the insurance required by law.

If you think that we have cancelled your policy illegally, you can

appeal to the Board of Appeals on Motor Vehicle Liability Policies and

Bonds. Your cancellation notice will explain how to appeal.

Renewal. If we decide not to renew this policy or any of its Parts, we must mail

our notice to your agent or to you at your last address shown on the

Coverage Selections Page at least 45 days before your policy runs

out. A notice sent by regular mail for which a certificate of mailing

receipt has been obtained from the United States Postal Service will

be considered sufficient notice. If we require a renewal application,

and you fail to complete and return it to us within the specified time,

we then have the right to cancel the renewal policy.

PA300MA (12/17)

When There Is

An Accident Or Loss

First, Call an ambulance or the police and, of course, cooperate with

Help Any them. Do whatever is reasonable to protect the auto from further damage

Injured Person. or loss. Where there is coverage provided by this policy, we will pay for

any reasonable expenses incurred in doing this.

Second,

Under Massachusetts law, notice to the local or state police and the

Notify The Police, Registry of Motor Vehicles is required within 5 days if there is anyone

Registry Or Fire injured in an accident, no matter how slight the injury, or if there is reason

Department. to believe that there has been over $1,000 in total property damage.

Within 24 hours, notify both the police and us if your auto is stolen or if

you have been involved in a hit-and-run accident. You must report a fire

loss to the fire department. The notice to the police or the fire department

must be on the form required by law.

Third, We do not know about accidents or losses until you or someone else

File The Claim notifies us. We, or our agent, must be notified promptly of the accident

With Us. or loss by you or someone on your behalf. The notification should include

as many details as possible, including names and addresses of drivers,

injured persons and witnesses. If you or any person seeking payment

under this policy fail to notify us promptly of any accident or claim under

Parts 2, 3, 6, or 12 of this policy, we may not be required to pay claims

under any of these parts.

If you are filing a claim for damage to your auto, you or someone on your

behalf must file a proof of loss within 91 days after the accident.

Fourth,

After an accident or loss, you or anyone else covered under this policy

Cooperate must cooperate with us in the investigation, settlement and defense of

With Us. any claim or lawsuit. We must be sent copies of all legal documents in

connection with the accident or loss.

We may also require you and any person seeking payment under any part

of this policy to submit to an examination under oath at a place designated

by us, within a reasonable time after we are notified of the claim.

If anyone makes a claim or seeks payment under Personal Injury

Protection, Bodily Injury Caused By An Uninsured Auto, Medical

Payments, or Bodily Injury Caused By An Underinsured Auto (Parts 2, 3, 6

or 12), we have a right to require that person to be examined by doctors

selected by us. If anyone seeks continuing payments under any of these

Parts, we may also require additional examinations at reasonable

intervals. We will pay for these examinations. We must also be

authorized to obtain medical reports and other records pertinent to the

claim.

Failure to cooperate with us may result in the denial of the claim.

PA300MA (12/17)

In Witness Whereof, we have caused this policy to be executed and attested, and, if

required by state law, this policy shall not be valid unless countersigned by our authorized

representative.

Daniel Olohan Alfredo Castelo

Secretary President and Chief Executive Office

Remember: Defensive Driving

Can Save Your Life And Your

Money

PA300MA (12/17)