Not all auto insurance is created equal
Since we began providing Boston area residents with auto insurance in 1955, weâ€™ve seen many changes. Changes to vehicles themselves, of course, but also to how insurance gets sold.
Today, you can certainly purchase an auto policy online. However, working with CAV means youâ€™re in the trusted hands of professionals committed to providing coverage that fits your budget, while effectively protecting your assets. Weâ€™ll get to know you and your family, and help you stay ahead of changing needs with policies from trusted carriers.
Other changes weâ€™ve seen over time? The amount of time we spend in our cars, and the frequency and severity of auto accidents. Whether youâ€™re commuting in to Boston from Wayland or running errands in Brookline, itâ€™s vital to understand the limits on your auto policy. We walk each policyholder through their coverage, answer any questions and complete the paperwork â€“ all to simplify the process.
What does my Massachusetts auto policy cover?
Part One: Bodily Injury to Others
Covers costs such as medical expenses, pain and suffering to people injured or killed by your automobile in an accident that occurs in Massachusetts only.
Part Two: Personal Injury Protection (PIP)
Covers up to $8,000 for you or anyone in your car, passengers and pedestrians, no matter who is at fault for the accident. PIP can be used to pay for medical expenses, replacement services and lost wages.
Part Three: Bodily Injury Caused By An Uninsured Auto
Covers damages for bodily injury resulting from certain accidents caused by uninsured or hit-and-run autos.
Part Four: Damage to Someone Elseâ€™s Property
Covers damage to another party whose auto or other property is damaged in an accident.
Part Five: Optional Bodily Injury
Covers damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. Unlike the Compulsory part (Part 1), this provision covers injuries to guest occupants and for accidents occurring outside of Massachusetts.
Part Six: Medical Payments
Covers reasonable expenses for necessary medical and funeral services to yourself and your passengers incurred as the result of an accident.
Part Seven: Collision
Covers collision damage to your car, including passenger vehicles rented or borrowed by yourself, less your deductible, no matter who causes the accident.
Part Nine: Comprehensive
Covers damage to, or loss of, your car, less your deductible, resulting from non-collision accidents such as fire, theft, vandalism or colliding with an animal. It also provides glass coverage without a deductible.
Part Ten: Substitute Transportation
Reimburses you up to the limits shown on the declaration page, in the event that your auto was in a collision and is being repaired or replaced.
Part Eleven: Towing and Labor
Covers towing and labor costs, up to the limit shown on the declaration page. It will pay for a tow resulting from an accident only, not mechanical breakdowns.
Part Twelve: Bodily Injury Caused By An Underinsured Auto
Covers damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.