If a car hits your house, mailbox, or fence, or damages anything else on your property and the driver is found guilty, you are responsible for the damage. Nearly every state requires drivers to have a minimum amount of liability coverage for property damage in their auto policy. This coverage can help pay for any damage to your home or property. Collision coverage covers the repair or replacement of the damaged vehicle if it collides with another object, such as a tree, handrail, fence, or other vehicle.
Both comprehensive coverage and collision coverage insure your car, but they cover different events. Comprehensive insurance coverage covers damage caused by events that are considered beyond your control, such as theft, acts of vandalism, animal hits, broken windows, fires, and weather-related incidents (for example, if the driver's liability insurance isn't sufficient to cover the damage or isn't insured), you can file a claim with home insurance. With industry-specific jargon and laws that vary from state to state, understanding car insurance can be a long and complicated process. Because laws and insurance coverage vary from state to state, it's important to know what's included in mandatory coverage or mandatory auto insurance coverage in Massachusetts.
If a Massachusetts driver cannot find insurance on the voluntary market, an insurance company will be assigned to them through the Massachusetts Auto Insurance Plan (MAIP). Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage. As a leading provider of auto insurance in Massachusetts, MAPFRE knows how important it is to get the right coverage at an affordable price in the State of the Bay. There are four types of mandatory auto insurance coverage in Massachusetts for all private passenger vehicles.
If a car hits your home and the driver is not insured, your home insurance may cover the damage; however, you may be responsible for paying the home insurance deductible. Find an agent closest to you or request a quote online to find out if you could save on your car insurance in Massachusetts by switching to MAPFRE. This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. If property damage costs more than the home insurance deductible, it might be worth filing a homeowners insurance claim.
While Massachusetts is somewhere in the middle of the middle when it comes to the average cost of car insurance by state, discounts are worth researching. You can find out how much car insurance can cost you in Massachusetts here or talk to an insurance agent in Massachusetts. MAPFRE Insurance is proud to partner with local independent insurance agents throughout the State of the Bay. This helps cover the insured's injuries or medical expenses when the at-fault party has no insurance or is not identified, for example, in a hit and run situation.