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Auto Insurance Information
Thank you for your interest in Platinum Insurance Group. Our website offers quick and easy quote forms or you can call our office at 781-859-5356 or Contact Us and an insurance professional will reply promptly.
In Massachusetts, the Personal Automobile Insurance Policy
is extremely complex and you need to fully understand it in order to adequately protect yourself. Auto insurance in the state of Massachusetts is broken down into 2 main parts:
Compulsory Auto Insurance and Optional Auto Insurance
Compulsory Auto Insurance is the basic insurance you are required to maintain in order to register your auto in the state of MA.
You must purchase compulsory auto insurance parts 1-4
Part 1- Bodily Injury To Others
This part pays for damages (e.g. medical expense, pain and suffering) to anyone injured or killed by your car only in an accident that occurs in Massachusetts, up to basic limits of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered under this part.
Part 2 - Personal Injury Protection (PIP)
Pays up to $8,000 to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. PIP benefits pay for medical expenses, lost wages, and replacement services
Part 3 - Bodily Injury Caused By An Uninsured Auto
This coverage protects you, anyone you let drive your car, household members and passengers (unless covered by another Massachusetts policy with similar coverage) against losses caused by an uninsured or unidentified (hit and run) driver. A minimum of $20,000 per person and $40,000 per accident is required. This coverage does not pay for property damage or damage to your auto.
Part 4 - Damage to Someone Else’s Property?
This coverage pays for damage to another person’s property and costs associated with the loss of use of that property, when you, a household member or another authorized driver cause an accident. A state minimum of $5,000 is required.
Optional Bodily Injury To Others:Optional Coverages
This optional coverage extends your liability protection up to the amount you purchase under this part. This option provides coverage for accidents beyond Massachusetts to anywhere in the United States, its territories or possessions, and/or Canada. This coverage also pays for damages suffered by guests in your auto.
Your automobile is NOT covered in any country other than the US and Canada. The minimum limits for this part are $20,000 per person/$40,000 per accident. Purchasing higher limits under the Optional Bodily Injury to Others coverage makes good sense if you have assets you wish to protect.
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Optional medical payments coverage covers medical expenses for you, your household members and passengers, over and above the amounts covered by Personal Injury Protection (PIP) no matter who caused the accident. The minimum amount you can buy is $5,000 if insuring an automobile and $500 if insuring a motorcycle.
Collision coverage pays for damage to your car, less any applicable deductible, no matter who causes the accident. If your car is financed, your lender may require this coverage as well as a particular deductible amount.
Selecting your deductible: Your deductible will be set at $500 unless you choose a different amount. One way to save on your premium is by choosing a larger deductible where one is offered. In determining the right deductible for you, decide how much you can comfortably afford to pay out of your own pocket in the event of an accident or loss in which you are at fault, or the other driver is unidentified. The deductible you choose is the amount you should expect to pay if you use this coverage option. This information also applies to Limited Collision Coverage (Part 8) and Comprehensive Coverage (Part 9).
This coverage also pays for collision damage to your car. You must not be more than 50% at fault and the owner of the other vehicle must be identified.
Comprehensive coverage pays for damage to or loss of your car, less any applicable deductible, resulting from perils such as fire, theft, vandalism, and striking an animal, but NOT collision. This coverage allows up to $15/day (up to a limit of $450) for substitute transportation (rental or other transportation costs including taxi, bus, and train fare) until your stolen auto is recovered. Personal property is NOT covered unless it is permanently installed in your car, such as a stereo. If you car is financed, your lender may require you to carry this coverage.
This coverage reimburses up to the amount selected for car rental or transportation (including taxi, bus, or train fare) while your car is undergoing collision or covered repairs.
Towing and Labor coverage pays up to $50 for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on-site labor costs at the breakdown site (not any parts) needed to get your car running again. Higher limits may be purchased.
Bodily Injury Caused By An Under Insured Auto
This coverage pays for bodily injury damages to you, household members and passengers, unless they have a policy of their own, or are covered by a MA Auto Policy of another household member with similar coverage. The accident must be caused by someone without enough bodily injury coverage. It pays you up to the difference between the total amount collected from the bodily injury liability insurance covering the owner and driver of the other car, and the limits you purchased for this coverage.
Covering: Arlington, Cambridge, Boston, Medford, Somerville, Stoneham, Woburn, Newton,
North Shore, South Shore, 90 W, Natick, Burlington, Brighton, Brookline, Lynn, Salem, Peabody,
Littleton, Westford, Weston etc...
Thank you for your interest in Platinum Insurance Group. Our website offers quick
and easy quote forms or you can call our office at 781-859-5356 or Contact Us and an
insurance professional will reply promptly.