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Vehicle One
VEHICLE YEAR VEHICLE TYPE VEHICLE MAKE/MODEL FINANCED?
Vehicle One: Mandatory Coverage's
All coverage's are listed as "per person/per accident." For example, Part I, bodily Injury is standard at $20,000 per person and $40,000 per accident ($20,000/$40,000). You can increase this coverage under "Optional bodily Injury Increase Limits."
Bodily Injury covers you, household members and anyone that uses the covered auto with your permission. Any injuries or death sustained by the use of your car is covered as long as the injury occurred anywhere where the public has a right of access. "BI" DOES NOT cover accidents outside the state of Massachusetts, extraterritorial areas or injuries to guest occupants of the car. You must carry Optional bodily coverage for this. Personal Injury Protection or better known as "PIP" is a mandatory coverage that protects you and anyone in your vehicle or someone who has permission to use your vehicle. It also covers you if your injured in another vehicle besides your own or if your hit as a pedestrian. Coverage is provided by your own insurance carrier. Reimbursement is also made if you need to hire someone(nonfamily) "replacement services" to do certain jobs that you can no longer do because of the accident (i.e. house cleaning). Uninsured Motorist. Since some state's, especially one's we border (New Hampshire and until recently Rhode Island still does not require mandatory auto insurance, we have to foot the bill to protect ourselves. And because people are not required to carry insurance they choose not to and therefore force the responsible people to do it for them. Uninsured Motorist also covers a "Hit and Run" situation. Damage to Someone Else's Property refers to damaging Massachusetts vehicle's as well as out of state vehicle's and non-vehicle objects such as fences, tree's, stone walls etc. no matter what state they're or you are in.
$20,000/$40,000 $8,000
**Uninsured and underinsured coverage must be at the same level. If you choose a higher coverage on one you must choose the same with the other.
Vehicle One: Optional Coverage's
The next coverage's are not mandatory but should be considered anyways especially if you own a home or
any substantial investment or have little health care coverage.
Optional Bodily Injury. In addition to increasing Part I., Bodily Injury Limits this coverage also covers out-of-state, extraterritorial area driving and guests in your vehicle. It is very important to carry this coverage if you plan to have friends, colleagues, etc. in your car. Basically this coverage is your "sue" money. Medical Payments. This provides medical payments and funeral expenses because of an auto accident to anyone in the described vehicle, the insured (you) and household members. It also covers you and your household members if the injury occurred in someone else's vehicle or as a pedestrian. Collision is simply coverage of your vehicle in case of an accident.  Comprehensive covers glass, theft, fire, vandalism, falling objects, explosion, earthquake, windstorm, hail, water, flood, riots and a bird or animal or a private passenger automobile not used as a public conveyance. Glass loss in Massachusetts carries no deductible unless you request it. If your car is stolen you are allowed to receive "loss of use" coverage to rent a car, however, you must wait 48 hours after you file the loss and the coverage will be suspended as soon as the car is located or your claim is paid.
**NOTE: You WILL NOT have Bodily Injury coverage outside your state unless you choose this coverage.
Underinsured Motorist. Because some people don't carry enough coverage this insurance is offered to kick in when the other driver who hit you doesn't have enough insurance to cover your medical and property damage loss. In Massachusetts $20,000 per person and $40,000 per accident coverage is free! Substitute Transportation is optional but it may be a good idea. If you're in an accident and your car is not driveable you may have to rent an automobile. The same may occur if your car is stolen. As soon as they, if they, recover your car from a theft your rental coverage is suspended even if it's going to take two weeks before your car is repaired. Substitute Transportation covers the cost to rent while your car is being repaired or stolen. Towing and Labor. Unless you don't have "AAA" or some other auto club protection you may buy this coverage for general towing and on-the-spot labor expenses. yrsdrive.gif (1547 bytes)
Vehicle One: Discounts Offered
Check all applicable for possible discounts. Discounts vary agent to agent.
Passive Restraints
Airbag
Drive less than 7,500 miles per yr
Drive less than 5,000 miles per yr

Use public transportation to commute
Security System
Type of system:

Member of:

Vehicle Two
VEHICLE YEAR VEHICLE TYPE VEHICLE MAKE/MODEL FINANCED?
Vehicle Two: Mandatory Coverage's
All coverage's are listed as "per person/per accident." For example, Part I, bodily Injury is standard at $20,000 per person and $40,000 per accident ($20,000/$40,000). You can increase this coverage under "Optional bodily Injury Increase Limits."
Bodily Injury covers you, household members and anyone that uses the covered auto with your permission. Any injuries or death sustained by the use of your car is covered as long as the injury occurred anywhere where the public has a right of access. "BI" DOES NOT cover accidents outside the state of Massachusetts, extraterritorial areas or injuries to guest occupants of the car. You must carry Optional bodily coverage for this. Personal Injury Protection or better known as "PIP" is a mandatory coverage that protects you and anyone in your vehicle or someone who has permission to use your vehicle. It also covers you if your injured in another vehicle besides your own or if your hit as a pedestrian. Coverage is provided by your own insurance carrier. Reimbursement is also made if you need to hire someone(nonfamily) "replacement services" to do certain jobs that you can no longer do because of the accident (i.e. house cleaning). Uninsured Motorist. Since some state's, especially one's we border (New Hampshire and until recently Rhode Island still does not require mandatory auto insurance, we have to foot the bill to protect ourselves. And because people are not required to carry insurance they choose not to and therefore force the responsible people to do it for them. Uninsured Motorist also covers a "Hit and Run" situation. Damage to Someone Else's Property refers to damaging Massachusetts vehicle's as well as out of state vehicle's and non-vehicle objects such as fences, tree's, stone walls etc. no matter what state they're or you are in.
$20,000/$40,000 $8,000
**Uninsured and underinsured coverage must be at the same level. If you choose a higher coverage on one you must choose the same with the other.
Vehicle Two: Optional Coverage's
The next coverage's are not mandatory but should be considered anyways especially if you own a home or
any substantial investment or have little health care coverage.
Optional Bodily Injury. In addition to increasing Part I., Bodily Injury Limits this coverage also covers out-of-state, extraterritorial area driving and guests in your vehicle. It is very important to carry this coverage if you plan to have friends, colleagues, etc. in your car. Basically this coverage is your "sue" money. Medical Payments. This provides medical payments and funeral expenses because of an auto accident to anyone in the described vehicle, the insured (you) and household members. It also covers you and your household members if the injury occurred in someone else's vehicle or as a pedestrian. Collision is simply coverage of your vehicle in case of an accident. Comprehensive covers glass, theft, fire, vandalism, falling objects, explosion, earthquake, windstorm, hail, water, flood, riots and a bird or animal or a private passenger automobile not used as a public conveyance. Glass loss in Massachusetts carries no deductible unless you request it. If your car is stolen you are allowed to receive "loss of use" coverage to rent a car, however, you must wait 48 hours after you file the loss and the coverage will be suspended as soon as the car is located or your claim is paid.
**NOTE: You WILL NOT have Bodily Injury coverage outside your state unless you choose this coverage.
Underinsured Motorist. Because some people don't carry enough coverage this insurance is offered to kick in when the other driver who hit you doesn't have enough insurance to cover your medical and property damage loss. In Massachusetts $20,000 per person and $40,000 per accident coverage is free! Substitute Transportation is optional but it may be a good idea. If you're in an accident and your car is not driveable you may have to rent an automobile. The same may occur if your car is stolen. As soon as they, if they, recover your car from a theft your rental coverage is suspended even if it's going to take two weeks before your car is repaired. Substitute Transportation covers the cost to rent while your car is being repaired or stolen. Towing and Labor. Unless you don't have "AAA" or some other auto club protection you may buy this coverage for general towing and on-the-spot labor expenses. yrsdrive.gif (1547 bytes)
Vehicle Two: Discounts Offered
Check all applicable for possible discounts. Discounts vary agent to agent.
Passive Restraints
Airbag
Drive less than 7,500 miles per yr
Drive less than 5,000 miles per yr

Use public transportation to commute
Security System
Type of system:

Member of:

Safe Driver Insurance Plan(State Good Driver Discount Program)
If You Know Your SDIP Step Please Indicate. Otherwise make sure you provide us your full name and birth date above so we may look it up. Without the SDIP the quote will not be accurate.

 

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