Auto Insurance
Most individuals do not understand the importance of having adequate car insurance and coverage until it is too late. At Everett and Sons Insuance Agency Inc., we want to help you understand each coverage and why it is necessary to have the right coverage for your situation. We understand that everyone wants to save as much money as possible, but you can also leave yourself vulnerable by trying to save too much! As your local insurance agent, we will provide you with a free quote with the best coverage at the lowest cost!
Your auto insurance rate is based on a variety of factors such as driving records, where you live, and the kind of car you drive. There are many discounts that are offered to keep those rates from sky rocketing! Discounts for an anti-theft system, miles driven, owning / renting a property or going green can help keep your premium low! Ask one of our family agents about which insurance discounts you may be eligible for!
By understanding the coverage areas provided on an Auto Insurance Policy, you will be able to understand the recommendations for each that are given, such as:
- Bodily Injury Liability- Coverage that is provided for a individual injured in an auto accident.
- Property Damage Liability- Coverage that is provided for damage done to another person’s property. Most often this is for another vehicle but can also cover your liability for houses, garages and most anything else that is considered property of another.
- Uninsured / Underinsured Motorist- Coverage that will pay for the injuries caused by an individual who is Uninsured or Underinsured to you or others in your vehicle.
- Personal Injury Protection- Also known as “PIP Coverage” covers you for your medical payments, loss wages and replacement services no matter who is at fault in the accident. This covers all passengers in your vehicle and also pedestrians.
- Collision — This will provide coverage to your vehicle when it collides with another vehicle or object.
- Comprehensive — Provides coverage for damage done to your vehicle by anything other than a collision. (i.e. windshield damage, fire, theft or vandalism)
- Other Coverage such as Rental Car, Towing, and Labor
Coverage for you and your family can vary in many ways, so ask Everett and Sons Insurance Agency, Inc. to help you to determine limits that would be adequate for you!
Frequently Asked Questions
How much auto insurance do I need?
The right amount of auto insurance depends on your vehicle, finances, driving habits, and state requirements. Many drivers in Waltham, Massachusetts choose coverage limits beyond the minimum requirements for added financial protection after an accident.
What auto insurance coverage is required in Massachusetts?
Auto insurance requirements vary by state, but most states require liability coverage at minimum. Some states also require uninsured motorist coverage or personal injury protection. Drivers in Massachusetts should review local insurance laws to make sure they meet current requirements.
What information is needed for an auto insurance quote?
To receive an auto insurance quote, drivers typically need vehicle information, driver’s license details, driving history, address, and coverage preferences. Insurance companies in New England may also ask about mileage and vehicle usage.
What is full coverage auto insurance?
“Full coverage” auto insurance usually refers to a policy that includes liability, collision, and comprehensive coverage. While there’s no official policy called full coverage, it generally helps protect drivers in New England from both accident-related damage and non-collision events like theft, hail, or falling trees.
What is comprehensive coverage?
Comprehensive coverage helps pay for damage to your vehicle caused by things other than a collision. That can include theft, vandalism, fire, hail, flooding, or hitting a deer. Many drivers in Massachusetts add comprehensive coverage for extra protection against unexpected events.
What is collision coverage?
Collision coverage helps pay to repair or replace your vehicle after an accident, regardless of who caused it. This coverage is especially helpful for newer or financed vehicles and is commonly included in full coverage auto insurance policies in Massachusetts.
What is underinsured motorist coverage?
Underinsured motorist coverage helps when the at-fault driver’s insurance limits aren’t high enough to fully cover your damages. This coverage can provide valuable financial protection for drivers in Waltham, especially after serious accidents.
What is medical payments coverage?
Medical payments coverage, often called MedPay, helps cover medical expenses for you and your passengers after a covered accident. Drivers in Waltham may use this coverage regardless of who caused the accident.
Does auto insurance cover hit-and-run accidents?
Hit-and-run accidents may be covered through collision coverage or uninsured motorist property damage coverage, depending on the policy. Drivers in Waltham, Massachusetts should report hit-and-run incidents to police and their insurer quickly.
Does auto insurance cover vandalism?
Vandalism is usually covered under comprehensive auto insurance. Drivers in Massachusetts with comprehensive coverage may receive help paying for damage caused by broken windows, graffiti, or other intentional acts.