Consider this...
How will you pay your bills? You are in an accident and not at fault. You are injured and can’t return to work for at least 6 months. The other car only has minimum liability limits ($20,000/$40,000). How will you pay your bills? (Bodily Injury caused by an Underinsured Auto)
How will you defend yourself? You’re distracted and accidentally run a red light. The car you hit has a family of 4 in it, 2 of them are seriously injured. They file a law suit against you. How will you defend yourself? (Optional Bodily Injury to Others)
How will you get to work, run your errands or visit a friend? You are driving home from work and take a corner too sharp. You go off the road and hit a tree. You are not injured but your car will take a few weeks at the repair shop. How will you get to work, run your errands or visit a friend?(Substitute Transportation)
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Auto Insurance Frequently Asked Questions
Q. What is MA Managed Competition all about?
A. For many questions and answers about MA Managed Competition, check out our guide to Auto Insurance in Massachusetts.
Q. Will my deductible apply?
A. You will always pay your deductible unless you are not at fault in an accident and you can identify who has caused the damage.
Q. What is comprehensive?
A. This Part is not a substitute for Collision (Part 7) or Limited Collision (Part 8). In Massachusetts, a big benefit of having comprehensive coverage is that non-collision related vehicle glass damage is repaired without being subject to your comprehensive deductible. In rare cases, a client may choose a separate glass deductible which would then apply. The following types of losses are Comprehensive and not Collision losses: losses caused by vandalism, fire and theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, riot or contact with a bird or animal.
Q. What is full coverage?
A. Full coverage means different things to different people. There is no definition of “full coverage” You will need to discuss coverage in detail with your customer service representative.
Q. If someone borrows my car, will my insurance cover them?
A. Yes, as long as they are not a regular driver they will automatically be covered. If they drive your vehicle on a regular basis, they will need to be added as a driver to your policy.
Q. How do I cancel an auto policy?
A. The only way an insured can cancel an auto policy is by returning the license plates to the registry of motor vehicles or by a notice of transfer from another agent or company. At Gaudette, we are able to return those plates for you through our on-line connection with the RMV.