Selecting the right insurance coverages for your needs is one of the most important parts of buying car insurance. And because not all insurance policies are the same, you’ll need to be sure your policy satisfies minimum levels of coverage in Massachusetts – and includes any additional types of coverage to give you the level of protection you want.
Whether you’ve just moved, are buying your first policy or are simply switching from another carrier to Plymouth Rock Assurance, there are several insurance requirements that you’ll want to note. Plymouth Rock also offers optional coverages that you’ll likely want to consider to make sure you have the right level of protection.
But don’t worry, Plymouth Rock Assurance makes selecting coverage and discounts easy for customers. And we’re here to help, along with your independent agent, if you have a question or want more information.
Massachusetts drivers must carry at least the following insurance coverages and limits:
There are four types of compulsory insurance that you are required to purchase under state law. Compulsory insurance is the minimum amount of coverage required by state law. These four compulsory coverages are:
- Bodily Injury to Others protects you against legal liability for the accidental injury or death of others (but not your passengers) caused by the operation of your car, but only if the accident occurs in MA. Minimum legal requirement: $20,000/$40,000.
- Personal Injury Protection (PIP) pays for medical expenses, replacement services and 75% of any lost wages. PIP will pay these expenses to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. Minimum legal requirement: $8,000.
- Bodily Injury Caused by an Uninsured Auto protects you, anyone you let drive your car, household members and passengers (unless covered by another policy with similar coverage) against losses caused by an uninsured or unidentified (“hit and run”) driver. Minimum legal requirement: $20,000/$40,000.
- Damage to Someone Else’s Property pays for damage to another person’s property when you, a household member or another authorized driver cause an accident. Minimum legal requirement: $5,000
Accidents can often result in damage that exceeds the state required coverage limits. Depending on your individual needs, you might want to purchase increased limits on required coverages like Optional Bodily Injury to Others, Bodily Injury Caused by an Uninsured Auto, Damage to Someone Else’s Property, or consider additional types of coverages.
Here are some examples of optional car insurance coverage that Plymouth Rock offers:
- Bodily Injury Caused by an Underinsured Auto protects you, anyone you let drive your car, household members and passengers (unless covered by another policy with similar coverage) against losses caused by an underinsured driver to the coverage limits you select.
- Medical Payments coverage 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.
- Collision pays for any direct and accidental damage to your car if the accident is a collision between your car and another physical object (like another car).
- Limited Collision pays for direct and accidental damage to your car if the accident is a multiple vehicle collision but only if you were 50% or less at fault for the accident.
- 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 reimburses you for a rental car or other substitute transportation up to your selected daily reimbursable limit and up to your selected number of reimbursable days if your car is damaged due to a covered Comprehensive, Collision or Limited Collision claim.
- Towing and Labor pays up to the limit you have selected per disablement for the cost of towing your car to a repair shop when it is unable to be driven.
Enhanced Auto Insurance Coverage
- Replacement Cost Coverage usually reimburses you for the full cost of replacing the items you lose, rather than simply reimbursing you for the value of the item at the time it was lost.
- Original Equipment Manufacturer (OEM) Parts Replacement