Massachusetts auto insurance is continually changing. Price variations based on new rating factors makes working with a professional more important than ever.
Here at the B.J. Kirby Insurance Agency, we understand you. It is our job to advocate for your specific needs with many different coverage options and discounts. We also have access to many companies to ensure the best price and service.
Whether you are a new car owner, have a family of drivers, or are just looking to save, give us a call at 781-447-5511. We can help.
Want to learn more about our list of coverages? See below for more details.
Auto Coverages Summary
To protect yourself from the possible financial responsibility of an automobile accident, it makes sense to have adequate coverage in place, based on your particular financial needs.
If you have any doubts about the appropriate level of automobile coverage that’s right for you, we are here to advise you on a broad variety of options through many insurers, and are happy to work with you to find the best buy for your needs.
The descriptions below are not meant to be a substitute for a Massachusetts automobile insurance policy. Always refer to your policy for the exact terms and conditions for your automobile insurance.
Required, or “compulsory” insurance. (The minimum the state requires you to have.)
Part 1: BODILY INJURY TO OTHERS: Provides up to $20,000 per person and $40,000 per accident for your liability if someone is hurt in an accident you have caused (except guest passengers) that occur in Massachusetts. (For broader coverage, see part 5 below)
Part 2: PERSONAL INJURY PROTECTION: This covers you, anyone else in your car, and pedestrians, regardless of fault for: Medical expenses, 75% of lost wages, replacement services.
(Motorcyclists beware – this gives no coverage while on a motorcycle. Motorcyclists should buy Medical Payments, # 6, below)
Part 3: UNINSURED MOTORISTS: Protects you, household members. and passengers (unless covered by another Mass policy with similar coverage) against medical expenses and lost earnings caused by an uninsured or unidentified (“hit and run”) driver. A minimum limit of $20,000 per person and $40,000 per accident is required. The cost to increase this coverage is minimal.
Part 4: PROPERTY DAMAGE: Covers your legal responsibility for costs to repair or replace damage to property of others caused by your car or one driven by you or a household member. Minimum limit is $5,000, but higher amounts are relatively inexpensive and strongly recommended. Most people get $100,000, for only a few dollars more than the $5,000 minimum limit.
Optional Coverages – the coverages above the minimum the Commonwealth requires you to have:
Part 5: OPTIONAL BODILY INJURY TO OTHERS: Covers your legal liability for costs of injury or death to others caused by your car or one driven by you, (including in the U.S. or Canada). This is the protection for large lawsuits and jury awards. Motorcyclists note; “Guest passengers” coverage is excluded for motorcycles, but may be purchased separately, and is a good idea if you ever have guests.
Limits for Bodily Injury to Others are expressed in two numbers. For example, $100,000/300,000 limits provide a maximum of $100,000 to any single person’s claim against you, and $300,000 as a total limit resulting from all claimants from any one accident.
Part 6: MEDICAL PAYMENTS: Covers medical expenses for you, your household members and passengers, over and above amounts covered by PIP regardless of fault. The minimum you can buy is $5,000.
Part 7: COLLISION: Damage to insured auto caused by collision or upset. A $500 deductible is standard. A $300 deductible may be available for additional cost; increased deductible of $1,000 or $2,000 are available for a lower cost to you. These higher deductibles are usually more attractive on newer, more expensive cars, since the credit for higher deductibles is a percentage of the cost for the $500 deductible. Thus the savings for a $1,000 deductible may be $300 or $400 on a new Mercedes; but coverage with a $500 deductible on that old Sentra may be less than $100. Call us when you’re ready to purchase a new vehicle and we can give you quotes with different deductibles.
Part 8: LIMITED COLLISION: Pays for collision damage, but only if you are 50% or less at fault and can identify the other party.
Part 9: COMPREHENSIVE: Damage to a vehicle caused by something other than collision, such as fire, theft, or vandalism. A $500 deductible is standard but may be reduced to $300 for additional cost, or increased to $1,000 or $2,000 for lower cost. This is the portion of your insurance where alarm credits can reduce your cost. Glass coverage is also included under comprehensive. Standard coverage has no deductible (on glass), but you can save money with an optional $100 deductible. Most people select no deductible for glass coverage.
Part 10: RENTAL: Reimbursement for auto rental expense typically up to $15 per day ($450 total), $30 per day ($900 total), or $100 per day ($3,000 total) while the auto is being repaired after a covered loss. Considering how long it can take to repair a vehicle, and how disruptive not having your car can be, this is a good coverage to buy. Note: you must buy collision to get this too.
Part 11: TOWING & LABOR: Reimbursement for towing and emergency repair of your vehicle, up to $25 or $50 per disablement. Note: you must buy collision to get this too.
Part 12: UNDERINSURED MOTORIST: Protection for bodily injury to you caused by another insured vehicle, to the extent your coverage exceeds their coverage. You may buy up to your Part 5 (Bodily Injury to Others) limit, which most people do.
Read more about our Auto Insurance Discounts
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