If it has wheels and you can use it on a road... We've got you covered.
Getting from point A to point B is much more convenient with a vehicle; make sure it's covered. There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
- Bodily injury liability, for injuries you cause to someone else. (Small amount required by MA law)
- Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the car. (Required though you can elect a high deductible)
- Property damage liability, for damage you cause to someone else’s property, including their car, fence or other property. (Small amount required, higher amounts available, not expensive).
- Collision, for damage to the car from a collision. (optional, unless you have a car loan)
- Comprehensive, for damage to the car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft. (optional unless you have a car loan).
- Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance. (Small amount required, higher amounts available, not expensive)
Learn about At-Fault Surcharges here.
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