Auto

Auto Insurance

Compare this page to your Coverage Selections Page. Higher deductibles and different coverage options will affect your policy premiums.
Compulsory Insurance
• Bodily Injury: Covers liability to others on public roads within Massachusetts.
• Personal Injury: Protection: Pays for lost wages, medical expenses, and replacement services.
• Uninsured Motorists Protection: Pays for bodily injury caused by owner/operator of uninsured vehicle.
• Property Damage: Covers damage to property belonging to others. Items damaged may include autos, homes, businesses, or other property.
Optional Insurance
• Optional Bodily Injury: Covers for bodily injury or death to others caused by your car or one driven by you or your spouse.
• Medical Payments: Medical expense reimbursement for you or your passengers.
• Collision: Damage to insured auto caused by collision or upset, regardless of fault. Higher deductibles will save money.
• Limited Collision: Pays for collision damage when you are no more than 50% at fault. Does not pay if other driver cannot be identified.
• Comprehensive: Damage to insured auto caused by perils other than collision or upset. Includes fire, glass breakage, theft, vandalism, etc.
• Substitute Transportation: Reimburses you for auto rental expenses while insured auto is being repaired due to a covered loss. (Collision coverage required).
    1.$15 a day ($450 total)
    2.$30 a day ($900 total)
    3.$45 a day ($1,350 total)
    4.$100 a day ($3,000 total)
• Towing And Labor: Reimburses you for towing and emergency repair of your vehicle. Up to $50 or $100 each disablement.
• Bodily Injury Caused By Underinsured Motorist: Covers for bodily injury caused by owner or operator of underinsured vehicle.
Available Discounts On Your Massachusetts Automobile Policy
1. Safe Driver Insurance Plan Step Group Discounts
2. Anti-theft Devices
3. Multi-Car Discount
4. Low Mileage Discount Airbags / Passive Restraint (Automatic Seatbelts)
5. Senior Citizens Discount (Over Age 65)

Teen drivers
We understand a parent's worry when their teenage son or daughter gets behind the wheel of a car for the first time on their own.
Statistics show: '
• 43% of first year drivers have automobile collisions.
• 37% of second year drivers have automobile collisions.
• There are approximately 47,000 teen crashes per year in Massachusetts.
• Automobile accidents are the leading cause of death for teens.
The economic cost of an at-fault accident for a teen driver is significant when you consider the deductible cost and state mandated increase in future premiums. More important than the economic cost is the safety of your child.
We have learned of an advanced driver training course that teaches your child the skills needed to remain “crash-free” and give you the security of knowing they are well equipped to recognize and handle dangerous situations on the road.
In Control ADT has developed a crash avoidance course specifically desigined for teen drivers. It is a “hands-on” training program taught in a controlled and safe environment. Instructors are professional drivers who have provided driver training for many Police Departments across the state.
In Control training results in:
• Reduced crash probability from 43% to under 5%.
• Significant improvement in the ability to recognize dangerous situations and handle a vehicle in an emergency.
• The ability to do a panic stop, control a skid and perform an emergency lane change at real world speeds.
Our Insurance Agency has arranged for you to receive a $50 credit toward the registration fee for In Control ADT classes held in February and March. Please call In Control ADT at 888-301-SAFE for course details and available times. Be sure to mention Agent Code #12345 to receive your discount.
Our goal is to provide your family with the protection you need at the lowest possible cost. We are pleased to be able to provide you with this savings for InControl ADT.

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