Automobile Insurance Quote
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Automobile Insurance coverages:
Coverage that helps protect your vehicle.
Collision
Collision coverage provides for reimbursement of loss to a covered vehicle due to collision with another object or vehicle. It also covers damage caused by potholes. If you have a newer car, consider GAP coverage (see FAQ’s).
Comprehensive
Comprehensive coverage provides reimbursement for damage to your car that isn’t related to an auto accident.
Examples: theft, damage by animals, hitting a deer, fire or falling objects or Godzilla crushes your car. As the name implies, this coverage is very comprehensive.
Coverage that pays for damages you cause.
Bodily injury liability
This coverage pays damages to people injured in an accident cause by you, an insured household member, or someone you have given consent to use your car. This coverage also pays for legal fees, medical bills, and lost wages if someone is injured as a result of an auto accident you caused. An Umbrella policy provides additional liability coverage.
Property damage liability
This coverage pays for the damage or destruction of other people’s property caused by you while operating a covered auto. Other people’s property includes a car, fence, garage door; essentially any tangible property that you hit with your car.
Coverage that protects you.
Uninsured Motorist
Provides coverage for bodily injury incurred by an insured when an accident is caused by a motorist who is not insured or cannot be identified (hit-and-run). This coverage allows an insured to collect from his or her insurer instead of the negligent party.
Underinsured Motorist
This is similar to uninsured coverage except that this section provides coverage for bodily injury incurred by an insured when an accident is caused by a motorist who is not sufficiently insured. This coverage also allows an insured to collect from his or her insurer instead of the negligent party.
Coverage that helps protect you if you’re hurt
Personal Injury Protection (PIP) and/or medical payments for injuries and lost wages
If you’re injured in a car accident or hit by a car as a pedestrian, this coverage can help pay your health insurance deductible (if you have one) as well as medical costs that exceed your health insurance limits.
We’ll work with you to create a policy tailored to your needs.
While figuring out what you want your policy to look like, there are many factors to take into consideration.
Things to Consider:
Deductible Amounts
The amount you pay for comprehensive and collision coverage before your insurance plan starts to pay.
Discounts
Safe Driver credit, Multiple car discounts, Good Student discounts, Student Away from Home discounts, and Homeowner/auto account discounts are available depending on your provider.
Bundling home, auto and umbrella can save up to 25%!
Automobile Insurance FAQs
What is covered by basic automobile insurance?
Your automobile insurance may include 6 coverages:
- bodily injury liability
- Personal Injury Protection (PIP) and/or medical payments for injuries and lost wages
- property damage liability
- collision
- comprehensive
- uninsured and underinsured motorist.
For an explanation of each type, click here: http://www.iii.org/article/what-covered-basic-auto-insurance-policy
Can I drive legally without insurance?
No. Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If your car is financed through a lender, they may require comprehensive and collision insurance as part of the loan agreement.
What is ‘gap’ insurance?
If you “total” your car before you finish paying for it, there will likely be a gap between what you owe and what the insurance company will pay you. This is because the insurance company’s check is based on the car’s actual cash value which takes into account depreciation. Whether you have an auto loan or a lease, you may want to buy gap insurance to protect yourself from having to come up with the gap amount in the event of a total loss.
For more details, click here: http://www.iii.org/article/insuring-leased-car
Can a newly licensed driver transport any age passenger?
No. According to Massachusetts law, a newly licensed driver cannot transport anyone under 18 years of age.
How is family auto insurance coverage handled when students are away during the school year?
All household members need to be listed as operators of family vehicles. While students are away at school, they may be excluded as operators. This saves premium dollars for the parents. But they must remember to call us and add back student operators during holiday breaks, spring break, summer, etc.
Do we need to buy insurance from a rental car company when we’re on vacation?
If you have collision and comprehensive insurance on your personal auto, you automatically have the same coverages, subject to your deductible, under the physical damage insurance. You are NOT covered, however for the soft costs. That is, your personal policy will not pay for any lost business income for the rental car company while their damaged vehicle is being repaired. We recommend that you buy the insurance from the rental company.
Is personal property in my car covered by my auto policy?
Stolen or damaged items like laptop computers or cell phones aren’t covered by your auto insurance. You’d have to file a claim on your home insurance. Most home insurance policies cover smaller, less expensive items. However, if you carry expensive items such as computer equipment, ask us about the need for a rider on your home insurance policy.
If a tree falls on my car at home, does my homeowner’s insurance pay for the damage?
No. At home or away from home, you are only covered if you have comprehensive coverage on your automobile policy.
What if I lease a car?
If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. You will need to buy these coverages in addition to the others that may be mandatory in your state, such as auto liability insurance, nor will your personal auto policy pay for the reduction in the vehicles value due to an accident or the administrative fees charged by the rental car company.
For more details, click here: http://www.iii.org/article/insuring-leased-car