Thinking about buying a car? Make sure you're getting the right coverage.
Since the invention of the first automobile at the end of the 19th century, states across the US have created regulations for the public’s safety and protection. Auto insurance was originally created in response to a growing number of auto accidents that caused bodily injury, death, and property damage. In fact, Massachusetts was the first state to introduce ‘compulsory’ insurance, whereby a driver is required to insure his or her auto liability before registering a vehicle. Most other states have similar laws, but this varies depending on the territory. For instance, New Hampshire is the only state that does not require vehicle owners to purchase auto insurance, but instead, has a financial responsibility requirement in which drivers must prove that they can pay damages if they are held responsible in an auto accident. Regulations aim to ensure that all drivers have sufficient insurance, but there are still several thousands of drivers living near you who are driving without coverage or even a driver’s license. Uninsured and under-insured operators are prevalent and can pose a high risk to your well being. It is important that you are aware of the risk that surrounds you every time you enter a vehicle and protect yourself and your passengers by maintaining a quality auto insurance policy.
Bodily Injury to Others
This coverage pays damages to those who are injured or killed by your auto in an accident. Compulsory Bodily Injury coverage may be limited to accidents within your state, and coverage limits are typically neither optional nor sufficient in the event of an accident.
Personal Injury Protection
This coverage will pay you or others who are injured in an auto accident for medical expenses, lost wages, and replacement services. Replacement services include reasonable payments for necessary services that would have been performed for the benefit of the injured party’s household had he or she not been injured.
This coverage pays for damages for bodily injury caused by an uninsured or hit-and-run auto. This coverage is meant to protect you or those occupying your vehicle if an accident occurs resulting from an at-fault driver who does not have insurance, or cannot be identified in a motor vehicle accident.
Damage to Someone Else's Property
This coverage will pay you, or operators of your vehicle, if involved in an at-fault accident that causes damage to another’s vehicle or property.
(In MA, the above mentioned types coverage are compulsory, and minimum state required limits apply)
Optional Bodily Injury
This coverage may enhance your compulsory bodily injury insurance, in terms of providing higher limits or coverage in extended territories.
This coverage will pay you and those occupying your vehicle for any reasonable and necessary medical and funeral expenses incurred as a result of an accident.
This coverage will pay for any direct and/or accidental damage to your vehicle caused by a collision.
This coverage, while not as broad as Collision, will pay for any direct and accidental damage to your vehicle caused by a collision IF the operator of your vehicle was not more than 50% at fault in the accident, and the owner of the other vehicle can be identified.
This coverage will pay for any direct and accidental damage to your vehicle other than damage caused by a collision. Examples of covered losses include vandalism, fire, theft, earthquake, windstorm, hail, water, flood, or contact with a bird or animal.
This coverage will reimburse you for transportation costs if you lose the ability to use of your vehicle for at least 24 hours due to a covered collision or comprehensive loss. Transportation costs will be reimbursed while your vehicle is being repaired or replaced, and various daily reimbursement amounts are available depending on your desired coverage selection.
Towing and Labor
This coverage will pay towing and labor costs incurred each time your vehicle is disabled, and will only pay for labor performed at the scene necessary to make your vehicle operational. Limits apply depending on your desired coverage selection.
This coverage will pay damages for bodily injury to people injured from an accident caused by someone who does not have enough insurance to fully pay for the damages. This coverage is meant to protect you and anyone else occupying your vehicle in such an accident.
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Our agency is staffed with licensed auto insurance specialists to help you understand your policy and ways to improve your coverage. Our agency will help you secure an affordable policy that will protect you and your household members. Boynton Insurance Group has access to several of the most competitive auto insurance carriers in New England. As an independent agency, we strive to find the most affordable and comprehensive policy to suit your needs. We pride ourselves on providing superior service while helping you design and buy an auto policy, handle routine billing issues, or work with your insurance carrier during a claim to achieve the most optimal result.