Auto Insurance Solutions

This coverage pays bodily injury caused to others during an accident that occurred in Massachusetts on public roads. This is a mandatory coverage and does not cover anyone in your auto. Limits: $20,000/$40,000 (maximum limit allowed in Massachusetts)

Commonly referred to as “PIP” coverage, this coverage pays up to $8,000 to you or anyone you let drive your car, household members, passengers and pedestrians, no matter who causes the accident for medical expenses and lost wages in coordination with your Health Insurance. This coverage is not applicable to motorcycles. The use of alcohol or drugs voids this coverage.

This coverage pays for bodily injury to you or anyone you let drive your car, household members and passengers caused by an uninsured or unidentified vehicle/driver. Uninsured refers to someone that does not carry auto insurance or a hit and run vehicle. This does not cover damage to your car. Recommended Limit: $250,000/$500,000

This coverage pays for damage to someone else’s property which is caused by your vehicle.  Recommended Limit: $250,000

This covers medical expenses for you, household members, and passengers in your vehicle over and above the limit paid in Part 2 PIP no matter who caused the accident. Highly recommended for motorcycle policies. Recommended Limit: $25,000

This pays for collision damage to your vehicle, less any applicable deductible, regardless of fault. Failure to list household members or customary operators using your vehicle on your auto policy voids this coverage. If Waiver of Deductible is purchased, your deductible is waived if you are not at fault in the accident and can identify the at-fault party.

This pays for damage to your vehicle less any applicable deductible which results from fire, theft, vandalism, glass damage, or striking an animal. Theft of items in your vehicle is excluded unless separate coverage is purchased.

Reimbursement up to the purchased limit for replacement vehicle or alternative transportation including bus fare, taxi and train fare while your vehicle is undergoing repairs due to a covered loss. Recommended Limit: $30 per day, 30 days maximum

This pays for towing and/or labor charges up to the purchased limit. Recommended Limit: $100 per disablement.

This covers bodily injury to you, household members and passengers when the at-fault party’s insurance coverage is inadequate. Your policy will pay the difference between their limits and the amount you have purchased but not to exceed the limit of the higher of the 2 policy limits. Recommended Limit: $250,000/$500,000 Example below:

• Other vehicle’s Bodily Injury limits: $25,00/$50,000
• Your Underinsured limits: $250,000/$500,000

The other party causes an accident with you and you are injured. Their policy would pay up to their limit of $25,000. You have $250,000 in coverage from your own policy to fall back on should their policy limits not be enough. Payment between both policies will not exceed your higher limit of $250,000 total