Kovalev Insurance Agency will work with you to provide the right auto insurance coverage for your needs. The Massachusetts Auto policy is made up of 12 parts. The first four parts are required by Massachusetts law. The remaining coverage options are optional. However, these coverages provide additional insurance protection and will protect you from additional liability in case of an accident.

For your convenience, here is a breakdown of auto insurance coverage options. Please note, per state law, some coverage options are required.

Bodily Injury to Others (required) – $20,000/person & $40,000/accident state limit.
Covers injuries to other people involved in an accident that occurs on public roads in Massachusetts.

Personal Injury Protection (required)
Personal Injury Protection covers medical expenses, including dental, and lost wages incurred as a result of an accident.

Bodily Injury Caused by an Uninsured Auto (required)
This coverage pays damages for bodily injury resulting from hit-and-run accidents as well as uninsured motorists.

Damage to Someone Else’s Property (required) – We highly recommend you purchase at least $100,000 of coverage.
This coverage pays for damages to someone else whose auto or other property is damaged as a result of an accident.

Optional Bodily Injury to Others (highly recommended) – We recommend you purchase at least $100,000/person & $300,000/accident of coverage.
This coverage pays for damages to people injured or killed in accidents where you or a household member are legally responsible for the accident. It expands the coverage provided by ‘Bodily Injury to Others’. Furthermore, unlike the required “Bodily Injury to Others” coverage, this option covers accidents occurring outside of Massachusetts and on private roads and driveways.

Medical Payments
This coverage pays for reasonable expenses for necessary medical and funeral services to yourself and your passengers incurred as the result of an accident.

Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage comes with an insurance deductible. This is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Limited Collision
This coverage will pay in some situations for direct and accidental damage to your auto caused by a collision. Coverage is only provided for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault.

Under this coverage the insurance company will pay (less your comprehensive deductible) for direct and accidental damage to your auto, other than damage caused by a collision such as theft, fire, flood, falling objects, collisions with animals, etc. In addition, glass coverage is typically provided with no deductible.

Substitute Transportation
This coverage pays for auto rental while your car is being repaired after incurring damage in an insurable loss.

Towing and Labor
This coverage pays for towing and labor costs incurred each time your auto is disabled.

Bodily Injury Caused By An Underinsured Auto – (highly recommended)
This coverage pays for damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.

Auto Insurance

Updated on 2016-09-19T16:30:40+00:00, by kovalevm@gmail.com.