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General Insurance

Car insurance in MA to exclude my disabled spouse

Massachusetts is considered a No-Fault state and requires Personal Injury Protection coverage. This means that your insurance company will pay for your medical injuries no matter who is at fault in the accident.

Car Insurance Costs
Homeowners Insurance

Isn't it most cost effective to have cars and home with one company

Yes, typically it is cheaper to bundle your car and home insurance policies with one insurance company. Most companies will give you a multi-policy discount when you have more than one line of business with their company.

Coverage & Claims

How does it work with insurance if I was hit by a moped

The short answer is yes, your premium will go up if you file a claim. Anytime your company has to pay out on a claim your insurance will increase.

Coverage & Claims

Is it worth filing a claim for a scratch on my car that happened when it was parked?

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair.

Car Insurance Costs

Can I avoid paying for insurance for my car while I am away for active duty military leave?

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured.

RV Insurance

Can I insure a travel trailer with a different company than the one that insures my car?

Yes you absolutely can. There is no requirement that both be insured with the same company.

General Insurance

In the state of MA, can I suspend my car insurance for a few months?

While the state does not actively monitor drivers' compliance with insurance laws, Massachusetts does require that vehicles be insured while driven on the road. Compliance monitoring is done through traffic stops, after accidents, and at the time of registering or renewing the registration on a vehicle.

Coverage & Claims

Should I pay out of pocket for my vehicle or file a claim with my insurance company?

The decision to file a claim would be completely up to you, but in Massachusetts, an accident has an average impact of more than $700 per year in additional premium. If the repairs are less than that then I would recommend paying for the damage out of your own pocket.

General Insurance

If I'm involved in a wreck while test driving a car, will my insurance cover the damage?

When test driving a car from a private seller, the liability portion of your policy is what pays for damage you cause to someone else while driving so the fact that you don't have collision coverage won't keep the vehicle you hit from being repaired. As for the vehicle you were actually driving, you may have to file a claim with the car owner's insurance company since your policy does not include collision.
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