What is Auto Insurance?

Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.

Operating a vehicle comes with a certain level of risk regardless of how safe the driver may be, and anyone who gets into a vehicle assumes that risk. There are thousands of car accidents each day, and most Massachusetts residents will be in at least one during the course of their lifetime. Car insurance helps drivers recover from the financial costs associated with covered accidents that they’re in.

Car insurance is usually written as a package policy that combines several coverages together. In a robust policy, the included coverages work together to create a web of protection that shields drivers from many potential risks.

What Coverages Are Available Through Auto Insurance Policies?

Auto insurance policies offered in Massachusetts generally include the state’s three mandated coverages:

• Bodily Injury Liability, which may cover injuries of people not in a driver’s vehicle
• Property Damage Liability, which may cover damage to property outside a driver’s vehicle
• Underinsured and Uninsured Motorist Bodily Injury, which may cover injuries occurring in accidents caused by drivers who aren’t properly insured

Along with these required coverages, there are many others that policies may offer as standard or optional protections. Some of the more common ones include:

• Personal Injury Protection, which might cover injuries of people in a driver’s vehicle
• Comprehensive Coverage, which might cover damage caused to a vehicle during a non-collision incident
• Collision Coverage, which normally might cover damage caused to a vehicle during a multi-car collision
• Rental Car Reimbursement, which might cover the cost of renting a car following an accident

Discount?

When you get a Damelia Insurance Quote, we factor in discounts that apply to you. For example, a discount for multi car insurance if you have multiple cars in the household and suggest even more ways to save. Discounts differ depending on the state in which your insurance policy is written. You'll see which discounts are applied when you complete your quote.

How Can Drivers Get Car Insurance?

For help finding car insurance, contact the independent insurance agents at Roger Keith & Sons Insurance Agency. Our agents have helped many drivers in Massachusetts find an auto policy that’s right for them, and we’ll do the same for you.