DAMAGE COVERAGE: ( Part IV)

Damage to Someone Else's Property refers to damaging Massachusetts vehicles, out of state vehicles, and non-vehicle objects such as fences, trees, stone walls, etc. regardless of the state they or you are in.

The liability coverage of the personal Auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any automobile. The insuring agreement agrees to pay damages for bodily injury or property damage for which the insured is legally responsible for because of an automobile. The insuring agreement also states that in addition to the payment of damages for which the insured is legally liable for, the insurer also agrees to defend the insured for all legal defense cost. The defense cost is in addition to the policy limits.