MA Personal Auto Insurance

Subject to Policy Terms and Conditions, there are four insurance coverages that are compulsory (required by law or a rule) in Massachusetts and Additional (Optional) Coverages available:

Compulsory Coverage (subject to the terms conditions and exclusions of the actual policy issued):

• Bodily Injury to Others protects you, or someone you allow to drive your car, from legal liability if you accidentally injure or cause the death of someone else while operating your car.  It only covers losses if the accident occurs in Massachusetts and does not cover the injury or death of a passenger in your car. You must buy at least $20,000 per person and $40,000 if more than one person is hurt. 
• Personal Injury Protection (also known as PIP) covers medical expenses, up to 75% of lost wages and replacement services up to a limit of $8,000. Massachusetts is a no-fault state which means no matter who causes the accident, PIP will pay these expenses for you or anyone you let drive your car, anyone living in your household, passengers in your vehicle and pedestrians.
• Bodily Injury Caused by Uninsured Auto protects you, anyone you let drive your car, and household members and passengers (who are not covered under another similar Massachusetts policy) against loses caused by an uninsured or unidentified (“hit and run”) driver. You must buy at least $20,000 per person and $40,000 total for all people injured by the uninsured auto in the accident.
• Damage to Someone Else’s Property, also known as Property Damage, pays for damage to another person’s property when you, a household member or another driver you allow to use your car cause accidental damage to another person’s property. You must purchase a policy that has a minimum limit of $5,000.

Optional Coverages (subject to the terms conditions and exclusions of the actual policy issued):

For an Additional Premium, purchase higher limits of property damage and bodily injury coverage, collision and comprehensive coverage, and/or other types of coverage. 

• Optional Bodily Injury to Others coverage provides additional coverage for bodily injury to those hurt in an accident (and passengers in your car) that occurs outside Massachusetts.
• Underinsured motorist coverage provides protection if you’re involved in an accident caused by a driver who doesn’t have enough insurance coverage. 
• Collision and Comprehensive coverage subject to a deductible pays for damage to your auto that is caused by the physical contact of your autowith another no matter who caused the accident.  Limited collision will pay for such damage in certain circumstances. Comprehensive coverage pays for direct and accidental damage or loss to your vehicle caused by something other than a collision, such as vandalism, fire and theft, falling objects, larceny, or contact with a bird or animal.  Comprehensive coverage also covers glass breakage not related to a collision. 
• Medical payments coverage pays for reasonable expenses for necessary bodily injury medical expenses and funeral services to anyone in your auto resulting from an accident, or if you or a household member is struck by an auto or while in someone else’s auto at the time of an accident.
• Substitute transportation coverage such as a rental car while your car is being repaired from a collision or comprehensive claim.
• Towing, Labor, Roadside Assistance when your car breaks down.
• Accident Forgiveness prevents a premium increase after at-fault accident.
• Auto Loan/Lease/Gap Coverage helps pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value.
• Pet Coverage

Cancelling a MA Auto Policy:

You have the right to cancel your policy at any time. If you do cancel your policy before its expiration date, you may receive only a partial refund of any premium you already paid.  We recommend checking with your agent or current insurer to find out any short rate penalty you will be charged.  Cancellation can not be processed and no refund will be issued until your insurance company receives a receipt showing the vehicle’s registration/license plates have been cancelled or notice that your coverage has been transferred to another carrier.  There is a 30 day grace period to change insurance companies without paying a penalty, balances will be based on a pro-rata basis of the new premium until the date coverage with your new insurance company begins subject to any penalty.  License plates do not have to be returned to the RMV when registration is cancelled.  Visit Cancel your plates/vehicle registration online for more information.