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Auto Insurance Coverage and Policy Options – Plymouth Rock Assurance

Because there are many factors to consider when buying insurance, there are many different types of auto insurance coverage options available from Plymouth Rock Assurance.

Certain coverages are required by law so it’s important to work with a company that knows your state’s laws inside and out. We’re a regional insurance company specializing in selling car insurance in Massachusetts, New Jersey, Pennsylvania, Connecticut, New Hampshire, New York and other states. We’ll make sure you fully understand your options so you can choose the best policy to meet your unique needs.

When customizing your policy, you can purchase coverage for:

Liability protects you if you are legally liable for an accident. Liability coverage will pay for bodily injury to other people involved in the accident and for damage to other people’s property up to the limits you select. 

Medical Payments (New England only) pays for reasonable expenses for necessary medical and funeral services incurred by certain individuals as a result of an accident up to the coverage limits you select. In New Jersey, similar coverage is called Personal Injury Protection (PIP).

Uninsured/Underinsured Motorists protects you, your family members and anyone else while occupying your auto if they sustain bodily injury or property damage as the result of an accident caused by another driver, and the other driver or the owner of the vehicle they are operating do not have insurance or have inadequate insurance. This coverage protects you up to the limits you select.

Collision pays for any direct and accidental damage to your car if the accident is a collision between your car and another physical object.

Comprehensive pays for damage to your car caused by events such as fire, theft or vandalism; in other words, damage caused by something other than a collision.
Substitute Transportation pays for temporary transportation expenses, up to the limits you have selected, if you have a claim that is covered under Comprehensive or Collision coverage.

Towing and Labor pays the cost of towing your car to a repair shop when it cannot be driven and covers up to the limits you have selected per disablement.

It’s important to take a comprehensive view when shopping for car insurance. You want the best coverage for your needs at the right price. Learn more about our state-specific coverages in the Resource Center, see which of our many discounts you may qualify for, or put a custom package together with a free quote.

Call 855-993-4470, get your free quote online, or find an agent to see how Plymouth Rock Assurance can help you with auto insurance coverage options available, and if you need additional information you can visit our Contact Us page.


Actual coverage is subject to the language of the policy issued.