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How does Massachusetts car insurance work?
Buying car insurance to protect your car and any damage it may cause is an easy decision. But buying car insurance in MA (with all our state’s unique laws) can be nothing short of torture if you don’t know all the ins and outs of coverage
In Massachusetts, there are minimum coverages that are required with every car insurance policy, and there are also optional coverages that you may likely need.
Unfortunately, the minimum requirements are simply not enough to protect you.
With an independent insurance agent, you’ll get the help you need in selecting the right car insurance coverages for the protection you deserve.
What is (and is not) covered by car insurance?
While you may think car insurance covers everything under the sun that’s related to your car, that’s not necessarily the case. Car insurance has limitations, exclusions, and optional coverages you’ll want to know about before hitting the road.
What is typically covered?
Injuries to someone else for an accident you cause in MA
Medical bills and lost wages for you and your passengers
Any damage done to someone else’s vehicle or property
Coverage if you are involved in a hit-and-run
Coverage if you are hit by an uninsured driver
Damages to your vehicle (optional)
Injuries to someone else for an accident you cause outside of MA (optional)
Glass or windshield replacement (optional)
Coverage if you are hit by someone with minimal insurance (optional)
Towing (optional)
Rental cars (optional)
Loan gap coverage if your vehicle is deemed a total loss (optional)
What is not typically covered?
Damage from negligence or lack of vehicle maintenance
Personal property in your car
Damages as a result of using your vehicle for business
Intentional bodily injury or property damage
Simplifying car insurance … one blog at a time
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
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