All coverage is not the same
While Massachusetts does require basic automobile insurance for everyone, all coverage is not the same. We’ll take you through the ins and outs of finding the right coverage at the right price, including safe driver, low-mileage, and homeowners bundle discounts.
Some of the variables include:
- Bodily Injury / Property Damage. Covers damages to other parties’ vehicles and/ or injuries resulting from an at-fault accident. This is a mandatory coverage on all insurance policies in Massachusetts, but the mandatory limits are extremely low. Higher limits can and should be purchased.
- Personal Injury Protection (PIP). Coverage for your medical expenses and lost wages.
- Medical Payments. Coverage for medical exposures for family members and passengers, as well as the driver, regardless of fault.
- Comprehensive. State law doesn’t require it, but it’s nice to know you have bumper-to-bumper protection, even when it’s not a collision that damages your vehicle. Comprehensive will cover you for things like vandalism, fire, theft, glass, and collision with an animal.
- Collision. This is what we usually think of as auto insurance; the right coverage gets you back on the road quickly if you’re ever in an accident.
- Rental Reimbursement. Very important if you have an at fault accident and you need a rental car while it is being repaired.
- Towing. If you need to be towed after an accident.
An umbrella is a very important piece of any insurance program. The premiums are inexpensive and the added layer of protection over your home and auto gives you peace of mind.