Auto Insurance
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Why do you need auto insurance?
It’s really all about protecting yourself financially.
- If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
We can be an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company’s level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Call us at (617) 323-6900 or Contact Us to learn more about the auto insurance policies we offer and which plan is best for you.
Commonly Asked Questions and Answers
How much auto insurance do I need?
The amount of auto insurance that’s right for you depends on a few key factors, including your vehicle, budget, driving habits, and the coverage required by your state. While meeting the minimum requirements is necessary, many drivers in Roslindale, MA choose higher coverage limits for additional financial protection in the event of 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 Massachusetts may also ask about mileage and vehicle usage.
What is full coverage auto insurance?
“Full coverage” auto insurance isn’t a specific type of policy, but rather a common way of describing a plan that includes liability, collision, and comprehensive coverage. Together, these coverages help protect drivers in Roslindale from costs related to accidents as well as non-collision events such as theft, hail damage, or falling objects like 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 Roslindale 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 protect you if you’re in an accident where the at-fault driver doesn’t have enough insurance to cover all your damages. In situations like these, this coverage can help fill the gap and provide important financial protection for drivers in Roslindale, especially after more 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 Massachusetts 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 Roslindale, 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.
"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."
Contact Us Today
Main Office
25 Corinth Street
Roslindale, MA 02131-3022
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Contact us by email
krupainsurance@comcast.net
Contact us by phone
(617) 323-6900
Contact us by fax
(617) 325-6734
Hours of Operation
M-F 9:00am to 5:00pm
Sat & Sun, Closed