Auto Insurance
Why Do You Need Auto Insurance?
Auto insurance helps to cover drivers from accidents that involve their cars, trucks, motorcycles, and other vehicles. This type of insurance can cover individual drivers or families with multiple drivers and multiple vehicles. Auto insurance coverage is available to protect against financial loss that would occur from physical damage to the vehicle. It can also provide coverage for bodily injury to the insured members or other drivers, as well as other types of liability that may result from an auto accident.
Depending on the type of auto insurance a driver has, coverage may include financial loss from any theft or property damage to the vehicle. If the insured driver was responsible for an auto accident, appropriate auto insurance can cover the costs of vehicle damage or bodily injuries to other drivers as well.
When the insured driver or other drivers are injured, auto insurance can help to pay for mounting medical bills. In some cases, auto insurance will help to cover lost wages faced by injured individuals who are unable to work because of their injuries. In the event of death from an auto accident, it may also help to cover funeral expenses to provide relief for family members.
Not only is auto insurance essential for protecting drivers from the hazards of the road, it’s also required by every state. Each state has certain minimum requirements for the types of auto insurance needed for drivers. If you’re unsure of the legal requirements for your vehicle, we can help. Let us evaluate your unique driving needs, habits, and risks to determine the optimal auto insurance policy for you.
Collision Insurance
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Frequently Asked Questions
Does auto insurance cover mechanical breakdowns?
Auto insurance generally does not cover normal mechanical breakdowns or wear and tear. Insurance policies in Massachusetts are designed for sudden and accidental damage rather than routine maintenance or mechanical failures.
Does auto insurance cover business use of a vehicle?
Personal auto insurance may provide limited coverage for business use, but it depends on how the vehicle is used. Drivers in Braintree who regularly use vehicles for work may need commercial auto insurance.
Does my insurance cover rental reimbursement after an accident?
Rental reimbursement coverage may help pay for a rental vehicle while your car is being repaired after a covered claim. Drivers in Braintree should review daily and total reimbursement limits on their policy.
What is uninsured motorist coverage?
Uninsured motorist coverage can help protect you if you’re hit by a driver who doesn’t have auto insurance. Depending on your policy in Massachusetts, it may help cover medical bills, lost wages, and other expenses after an accident.
Does auto insurance cover hitting a deer?
In Massachusetts, hitting a deer is typically covered under the comprehensive portion of your auto insurance policy. Drivers in Braintree and surrounding areas often rely on comprehensive car insurance coverage for animal-related accidents, especially during peak deer activity and migration seasons.
What happens if I let my auto insurance lapse?
Allowing your Massachusetts auto insurance policy to lapse can result in registration problems, higher car insurance premiums, coverage gaps, and potential penalties. Maintaining continuous auto insurance coverage helps Massachusetts drivers preserve their insurance history and may improve access to competitive insurance rates in the future.
Can I get insurance for a financed vehicle?
Yes, financed vehicles can and should be insured. Lenders in Braintree, Massachusetts typically require drivers to carry full coverage auto insurance until the loan is fully paid off.
Is full coverage required on a financed vehicle?
Most lenders require full coverage auto insurance on financed vehicles. This usually includes liability, collision, and comprehensive coverage to help protect the lender’s financial interest in the vehicle.
Does working from home affect auto insurance?
Working from home can sometimes lower auto insurance costs if it reduces your daily commute and annual mileage. Drivers in Massachusetts should update their insurance company if their driving habits have changed significantly.
Why are auto insurance rates different between companies?
Insurance companies use different rating systems, claim data, discounts, and underwriting guidelines when calculating rates. That’s why drivers in Braintree may receive very different quotes for similar coverage.
Quotes Are Quick And Easy!
The Murphy Insurance Group
14 Storrs Avenue
Braintree, MA 02184
Phone: (781) 380-0599
Fax: 781-380-0686
Hours
Monday - Friday: 8:30AM - 4:30PM
We are licensed in Massachusetts, Florida, Maine, New Hampshire, New Jersey, New York, Rhode Island, Vermont, Connecticut, and Maryland.
"Insurance since 1908. Put our experience to work for you."
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.