Whether you need insurance for a brand new car, or are considering switching policies for your current vehicle, Statewide Insurance Agency can help find the right policy for you and your family in Massachusetts. When it comes to auto insurance, it’s crucial to understand the difference between having insurance and being properly covered. For example, simply adhering to Massachusetts minimum insurance laws may be leaving you unprotected.
Our agents are here to design the policy that best fits you and your family. How? We take the time to get to know you on a personal level, and hope to build a relationship with you that lasts for years. By doing this, we are confident we can offer you better value and service than other insurance providers, as we re-shop your policies over time based off your lifestyle changes and needs.
ARE YOU PROPERLY COVERED?
Every person is unique. To determine your car insurance needs, consider: Bodily injury liability (BI) pays, up to your policy limits, for injuries or death that you (the policyholder), or other drivers covered by your car insurance policy, are found responsible for after a motor vehicle accident. Policy terms vary but typically bodily injury liability coverage will pay for:
Loss of income
Pain and suffering
Legal defense if a lawsuit results from the auto accident
Bodily injury liability does NOT cover your injuries, only the injuries of others that you are liable for. For your personal injuries to be covered, you would need to add medical payments.
Uninsured and under-insured motorist coverage – Uninsured and under-insured motorist insurance offers coverage for bodily injury and, in some instances, can offer coverage for damage to your car. It’s important to note that uninsured motorist property damage coverage is not available in some states.In addition to injuries to the driver, the bodily injury portion of uninsured and under-insured motorist coverage may also cover injuries to your passengers or family members who are driving the vehicle at the time of such a crash.
Property damage liability (PD)
pays, up to your policy limits, for damages to someone else’s property such as vehicle, home, guardrail, etc., that you or other drivers covered by your car insurance policy, are found responsible for after a motor vehicle accident.Property damage liability does NOT cover in any way damages to your own vehicle. For such coverage, you need physical damage coverage of collision and comprehensive.
Keep in mind that Massachusetts requires certain minimum levels of coverage. The right car insurance coverage for you is unique – talk to us today to find out how to get the best price and value.
If you are held responsible for injuries or property damage that exceed your auto liability limits, a personal umbrella policy can provide the extra protection you need.
Collision covers your vehicle for damage that it sustains when it hits, or is hit by, another vehicle or object. It will pay to repair your vehicle no matter who is at fault.
Comprehensive coverage pays for repairs or total loss of your car if it is damaged by anything other than a collision. That could mean damage from fire, theft, vandalism, potholes, or a falling tree. It also includes hitting an animal.
Medical coverage provides for medical expenses to you and your passengers that are the result of an accident.