Boston Automobile Insurance

Boston automobile insurance may seem difficult to understand, but it is actually not as hard as you may think. The reason why it seems so difficult is because of the language that is used within the policy.

By knowing the basic terms, you'll be able to identify the problematic areas of your policy and can better interpret them when you see them. The reason why you want to understand your policy is because you will need to refer to it in case you are involved in a car accident or something occurs to your vehicle out of your control. Educate yourself as often and as much as you need to so that you can talk effectively with your insurer about your policy.

Parts of Liability Coverage

The Boston auto insurance that is required on all vehicles throughout Massachusetts is liability. You have both Liability Bodily Injury and Property Damage Liability. They are abbreviated BI and PD respectively.

Your Bodily Injury insurance coverage is on the bodily injury sustained by a victim within an automobile accident. For instance, if their arm is broken, then your coverage will pay for the medical costs that are incurred as a result. You just need to make sure the limits you have are reasonable enough to cover medical expenses since medical expenses are high. The injuries sustained in an automobile accident in Boston, MA can go well beyond a broken arm.

Death can even occur and that means a family is stuck with funeral expenses and other costs. They will pursue you for these damages if you were responsible for the accident. That is another reason why you need Massachusetts liability coverage and why you need to make sure your limits are adequate.

In regards to Property Damage Liability, your Boston car insurance will pay for the property damage sustained in an accident up to your limits. Limits too low could result in you being financially liable for the difference.

Comprehensive and Collision

Comprehensive and collision are different than the liability Boston auto insurance you may invest in. There is more protection involved.

Comprehensive auto coverage covers your vehicle in case it is damaged in an incident such as hitting an animal on the highway or hail damage. The idea is for you to have protection that covers incidents that can damage your automobile other than a collision. This is the area of your Boston vehicle insurance that covers theft

You can choose no deductible or you can opt for one with your Boston, MA comprehensive automobile protection. You will pay a lower premium if you go for the higher deductible. The same concept applies to the deductible on your collision coverage.

Collision covers your automobile when it is involved in an automobile accident. So if you are involved in an accident and you have a deductible of $500, you will pay $500 before repairs are done. If the damage equals $4,000, your Boston, Massachusetts insurance company will pay the remaining $3,500. This explains why your premium is lower. If you had a deductible of $1,000, the Boston automobile insurance will pay $3,000. Because they pay less, you pay less.

Uninsured Motorist Coverage

Although it is required in Massachusetts that automobile owners have insurance, there are those who don't have it. When these individuals are at fault in an accident, they don't have Boston auto insurance and this means that they are going to be pursued to personally pay for the damages. This also means that they are most likely not going to have the assets to pay for the damages that they caused. You, on the other hand, have Boston insurance on your automobile that allows you to cover the damages on your own.

The same applies when you are in an automobile accident with an underinsured driver. They don't have enough insurance to cover all of the damages nor the assets to cover them. Once again, your Boston automobile insurance can take care of the damages.

You also have uninsured and underinsured property damage so that your automobile is paid for and not just the medical expenses that are incurred as a result of the accident. This is how you get the damages to your car taken care of if you don't have collision coverage. This is especially true for those who have just liability but want some kind of protection from uninsured or underinsured motorists if an accident occurs.

So now you know some of the Boston automobile insurance terms that you will see in your policy. That way if you are involved in an automobile accident in Boston, you have the right kind of insurance to cover you. You can also opt for protection from those drivers in Boston who are not insured and who cannot pay for the damages that they cause.


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