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Because auto insurance is complex, we spend the necessary amount of time with our customers, reviewing their coverages to make sure that they understand what is covered and how much it costs. 

The descriptions below are not meant to be a substitute for a Massachusetts automobile insurance policy. Always refer to your policy for the exact terms and conditions for your automobile insurance.

Body Injury to Others
Pays for damages to anyone injured or killed by your car only in Massachusetts, up to a basic limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered. See Optional Bodily Injury to Others if you drive outside Massachusetts or if you drive with guests in your car.

Personal Injury Protection (PIP)
This covers you, anyone else in your car, and pedestrians, regardless of fault for: 
Medical expenses
75% of lost wages
Replacement services

Note: PIP pays up to $8,000 for these damages, and excludes people on motorcycles.


Bodily Injury Caused by an Uninsured Auto
Protects you, household members. and passengers (unless covered by another Mass policy with similar coverage) against medical expenses and lost earnings caused by an uninsured or unidentified ("hit and run") driver. A minimum limit of $20,000 per person and $40,000 per accident is required. The cost to increase this coverage is minimal. 

Damage to Someone Else's Property
Pays for damage to another person's property damage and costs associated with the loss of use of that property, when you, a household member or authorized driver causes an accident. A minimum limit of $5,000 is required. We recommend $100,000 for this coverage as it costs an average of $2 to increase the limit from $50,000 to $100,000.


Optional Bodily Injury to Others 
This extends your coverage out-of-state and for guest occupants. This is your lawsuit protection.

If you have any assets you wish to protect such as a home, we recommend increasing this limit to $100,000/$300,000.

Medical Payments
Covers medical expenses for you, your household members and passengers, over and above amounts covered by PIP regardless of fault. The minimum you can buy is $5,000.

We recommend this coverage especially for people insuring motorcycles, as you have no coverage under PIP. The cost is relatively inexpensive for the coverage.

Collision
Pays for collision damages to your car, regardless of fault. If your car is financed, your lender may require you to carry this coverage.

The standard deductible for this coverage is $500. For most people. this is the most cost effective deductible.
Waiver of Deductible: If you are 50% or less at fault and can identify the other party, your deductible will be waived.

Limited Collision 
Pays for collision damage, but only if you are 50% or less at fault and can identify the other party.

Comprehensive
This covers damage to your car other than by collision. Such as fire, theft, vandalism, and glass breakage. This coverage includes up to $15 a day for substitute transportation until your stolen auto is recovered (up to a limit of $450). If your car is financed, your lender may require you to carry this coverage.

The standard deductible for this coverage is $500. However, depending upon your situation it may be more cost effective to have a $300 deductible.

Substitute Transportation
Pays up to $15 ($450 limit) a day for car rental or other transportation costs, including taxi, bus or train fare, while your car is undergoing collision repairs. Coverage of $30 ($900 limit) and $100 ($3,000 limit) a day is available for additional cost.

If you choose this coverage, we strongly recommend you choose a higher limit as it is almost impossible to find a rental car for $15 a day.

Towing & Labor
Pays up to $50 for towing and labor charges each time your car breaks down. Repair parts are not covered. Coverage of up to $100 is available for an additional cost.

Bodily Injury Caused by an Underinsured Auto
Protects you, household members and passengers (unless covered by another Mass policy with similar coverage) for bodily injury damages when the accident is caused by someone without enough insurance.