What You Need To Know About MA Car Insurance
Although up until now the price of car insurance was determined by all the drivers in the state as a whole, effective April 2008 this is going to change. In April, MA car insurance companies will be allowed to offer the residents competitive prices on insurance coverage which in turn will benefit everyone in Massachusetts.
For the residents of Massachusetts, competitive rates will give them more of a selection in coverage and price. The competitive rates will also increase business for insurance companies as they struggle to maintain affordable MA car insurance coverage for every individual. You should still receive the standard courtesy package with any insurance coverage you choose. This includes fast claim handling, premium payment options, multiple discounts, and more. Each insurance company will do their best to give you a reason to switch to them and stay.
In Massachusetts, the insurance is considered a no fault state. This means that every driver carries their own personal injury protection coverage. The only time a driver can sue another driver is if the damages sustained in an accident cost more than the coverage. So in an event of an accident, regardless of who is at fault it is every driver is responsible for their coverage. The required coverage for Massachusetts residents is $8,000 per person. If a insured person wants a reduced rate they must select a deductible in order to receive a reduced rate.
When you apply for MA car insurance coverage you may not be aware of all the discounts available for you. These discounts include:
- Driver training discount – awarded to any driver covered that has taken a certified drivers training course to make you a safer driver.
- Good driver discount – this is a discount that is awarded to anyone with a clean driving record.
- Multiple car discounts – insuring more than one vehicle will be a bit more expensive but the insurance company will offer you a discount on your policy so you can see the savings. The more cars you have insured, the more you save.
- Vehicle safety devices – purchasing and insuring a vehicle that come equipped with airbags, anti-theft devices, anti-lock devices, and built in restraints for passengers in your vehicle.
You can see where having these extras in a vehicle would benefit the insurance company if you were ever in an accident. These devices save the insurance company money.
When you purchase MA car insurance you can receive coverage such as Comprehensive coverage, Bodily Injury Liability, Collision coverage. You may also receive Property damage, and Uninsured/Underinsured motorist coverage, and Medical payments. You may also qualify for other additional coverage such as towing expenses and labor to repair your vehicle and rental car expenses.
If you are ever in an accident you need to remain as calm as possible and do the following:
- Get the information from the other driver. Be sure to include their name, address, and license plate number.
- Vehicle information. Include the year, make and model of the other vehicle and a brief description of the vehicle involved.
- Find witnesses, if any, and get their names and numbers. You need this information for several reasons; for police records, for insurance records, or if there is a conflict and the case goes to trial.
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