Auto Insurance Basics
There are many different parts to a Massachusetts auto insurance policy. It can be confusing to look at and even more confusing to try and figure out what it all means. Maybe we can help by explaining some of the coverage? To register and drive your vehicle in Massachusetts, you are required to purchase minimum coverage limits for the following types of insurance:
- Bodily Injury Liability: This covers injuries to others caused by the policyholder while operating an automobile.
- Medical or Personal Injury Protection: This covers treatment of the driver and passengers of the policyholder's car in the event of an accident.
- Property Damage Liability: This covers damages caused to someone else's property by the policyholder while operating an automobile.
- Uninsured Motorist Coverage: This covers medical treatment of the policyholder's injuries in the event of a collision with an uninsured driver. You would be surprised how many people are driving with no insurance!
Under Massachusetts law, the following types of coverage are optional. In most instances, they are good coverages to have but you can always call us to discuss your specific coverage needs:
- Collision: This coverage insures the policy holder from loss during a collision with another vehicle or object.
- Comprehensive: This coverage protects the policyholder's car from damage and loss resulting from incidents other than a collision. For example, fire, theft, vandalism, and glass damage.
As you can see the above coverages can really protect you and those driving with you should something unfortunate, like an accident, occur. We understand that insurance is confusing and can be expensive. Cutting on some of these coverages could end up costing you so much more in the long run so we recommend calling us at 413-536-8380 so we can help customize your insurance to your needs and budget. Let us help explain what can happen if there isn't enough coverage and then you can make an informed decision. We always hope you never need to use your insurance, but if you do, don't you want to have enough?