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Lonergan Agency

Insurance and Real Estate

Personal Auto Insurance

Responsible drivers know that basic car insurance may not protect against every outcome. Even though Massachusetts requires 4 types of coverage for all drivers, basic policies may not be enough to pay costly expenses - ones not covered by your basic coverage. Because auto damage is so unpredictable and car repairs are so expensive, it’s important to be insured against many unfortunate situations involving your car.

The four mandatory types of insurance for all MA drivers are:

  • PIP (personal injury protection)
  • Bodily injury to others
  • Bodily injury caused by an uninsured auto
  • Damage to someone else’s property

When you choose your car insurance policy, you can buy the basic coverage or opt for higher limits that will cover larger expenses related to damages and injuries. Basic coverage will not cover things like non-collision damage to your vehicle caused by severe weather or falling objects. If you lease your car or take out a car loan, your finance company may require you to have collision and comprehensive coverage in your policy.

Additional coverage types include:

  • Collision
  • Comprehensive
  • Rental
  • Towing & labor

If the value of your assets is higher than the amount of liability coverage in your vehicle or homeowner’s policies, an umbrella policy could cover expenses for damages that exceed basic coverage. Besides your primary residence, your umbrella policy could protect other assets like college and retirement savings, vacation homes, and certain financial investments.

Umbrella policies are fairly inexpensive and you can choose exactly how much coverage you’d like so if you’re unsure about whether you need one, speak with one of our agent about your exposures.

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