Paul Burrage, Inc. --- Licata, Hayes & Co. --- Press, Bateman & Turner --- Independent Insurance Agents
Personal Automobile Insurance
There are several types of compulsory insurance that you are required to purchase under Massachusetts law.These coverages are:
" Bodily Injury to Others, with a mandatory limit of $20,000 per person and $40,000 per accident
" Personal Injury Protection (PIP), with a mandatory limit of $8,000
" Bodily Injury Caused by an Uninsured Auto, with a mandatory limit of $20,000 per person and $40,000 per accident
" Property Damage, with a mandatory limit of $5,000
Depending on your individual circumstances, you may also wish to purchase additional types of coverage, or increased limits on the types of compulsory insurance listed above.You should consult with an agent or other insurance professional for help in determining what types and levels of coverage you need. The following are optional coverages that you may wish to buy:
" Increased limits for bodily injury to others
" Increased limits for bodily injury caused by an uninsured or underinsured auto.
" Coverage for medical payments beyond the mandatory PIP coverage
" Collision coverage that pays for damage to your car no matter who causes the accident.Most companies will allow you to choose from a range of deductibles.
" Comprehensive coverage that pays for damage to you car caused by events such as fire, theft or vandalism.Like collision, companies will allow you to choose from a range of deductibles.
" Coverage for substitute transportation while your car is being repaired from a collision or comprehensive claim.
" Coverage for towing and labor when your car breaks down.
Each of these coverages is subject to important limitations and exclusions.
In addition to the standard options, automobile insurers sometimes offer additional optional coverages that you may want.Contact us to learn more about all of the options available to you. Source : Mass Division of Insurance