Personal Auto

  • WHAT IS IT
  • WHY DO I NEED IT
  • WHO IS IT FOR

A car Insurance policy provides you coverage for all things that could go wrong with operating a motor vehicle. Whether it be damage to your car that was involved in an accident, financial restitution to other people’s property, or liability damages paid to others for bodily injury, you can count on an automobile insurance policy to protect you.

If you own and operate a car in Massachusetts, you must purchase compulsory insurance as a minimum. If you have a car loan, your bank will require you to have collisions and comprehensive coverage to protect their financial interest in the vehicle in case of an insurance loss. An auto insurance policy provides you the protection you need for any damage to your vehicle and also coverage for any liability that arises in operating your vehicle. ​

Any person that operates a registered motorized vehicle on a public road in Massachusetts is required by law to purchase compulsory insurance as a minimum based on Division of Insurance guidelines.

Competitive rates for your automobile insurance

LoPriore Insurance is an independent insurance agency the provides complete automobile insurance protection for your car.
We proudly represent multiple insurance carriers. There is no need to shop around. We do it for you! LoPriore Insurance offers top competitive insurance rates on automobile insurance with broad coverages, accident forgiveness, student away from home, and many additional optional coverages and discounts available to enhance your auto insurance policy.

COVERAGE DETAILS

There are three types of protection offered by an Auto insurance policy:

  • Collision
  • Comprehensive
  • Liability

Read below for details about all of the coverages and what they mean for you.

Bodily injury to others

Bodily injury to others protects you against legal liability for the accidental injury or death of others caused by the operation of your car, but only if the accident occurs in Massachusetts. You will be covered up to the statutory limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered under this part. If you drive outside of Massachusetts or in places where the public has no right of access, or if you drive with guests in your car, you would need the optional bodily injury to others coverage. Also, you could be liable for more than the required ($20,000/$40,000) limits for bodily injury to others. Buying higher limits under the optional bodily injury to others coverage may protect you from significant losses.

Personal Injury Protection (PIP)

Personal injury protection (PIP) pays up to $8,000 for medical expenses, replacement services, and 75% of any lost wages. PIP will pay these expenses to you or anyone you let drive your car, anyone living in your household, passengers, and pedestrians, regardless of who causes the accident. Your PIP coverage pays for medical expenses over $2,000 that are not reimbursed by your health insurance only after these expenses have been submitted to your health insurer to determine what it will and will not pay.

Bodily injury caused by an uninsured auto

Bodily injury caused by an uninsured automobile protects you, anyone you let drive your car, household members and passengers (unless covered by another Massachusetts policy with similar coverage) against losses caused by an uninsured or unidentified (“hit and run”) driver. A minimum limit of $20,000 per person and $40,000 per accident is required. This coverage does not pay for property damage or damage to your auto.

Damage to someone else’s property

This coverage pays for damage to another person’s property when you, a household member or another authorized driver, cause an accident. A minimum limit of $5,000 is required. Compulsory insurance is the minimum amount of coverage required by state law. Accidents can often result in damage that exceeds these limits. Depending on your individual needs, you may wish to purchase increased limits on these coverages or optional coverages. Consult with LoPriore Insurance for help in determining what types and how much coverage you need.

Optional Coverages

Optional bodily injury to others

Optional bodily injury to others extends your liability protection above the mandatory limits required by the Commonwealth. This option provides coverage for accidents beyond Massachusetts to anywhere in the United States, its territories or possessions, or Canada. It also includes coverage for bodily injuries suffered by guests in your auto.

Medical payments

Optional medical payments coverage pays for medical expenses for you, your household members and passengers, over and above amounts covered by personal injury protection (PIP) no matter who caused the accident.

Collision

Collision coverage pays for damage to your car, less any deductible, no matter who causes the accident. Personal property is not covered unless it is permanently installed in your vehicle. Your lender may require collision coverage, if your car is financed, For an additional premium, you may purchase a “Waiver of Deductible.” With this waiver, your collision deductible will not apply when an identifiable driver causes an accident.

Limited collision

Limited collision coverage pays for collision damage to your car if you are no more than 50% at-fault for the accident, and the owner of the other vehicle is identifiable.

Comprehensive

Comprehensive coverage pays for damage to or loss of your car, less any deductible, resulting from events such as fire, theft, vandalism, and striking an animal, but not collision. Personal property such as a stereo is not covered unless it is installed permanently in your car. Your lender may require this coverage if your vehicle is financed.  If your car is stolen, you must report it to the police and your insurance company. You will be reimbursed for transportation costs after the first 48 hours following the report.

Your deductible will be set at $500 unless you select a different amount. You can always save on your premium by choosing a higher deductible f option is available. In determining the right deductible for you, decide how much you can afford to pay out of pocket in the event of an accident or loss in which you are at fault, or the other driver is unidentified.

Auto Insurance - Car Insurance - LoPriore Insurance Agency

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FAQs

What affects the cost of my auto insurance premium?

The amount that you pay for car insurance will depend on your individual risk factors, such as your driving record, the city or town in Massachusetts or New Hampshire in which you live, and other rating factors approved by the insurance commissioner. While every car insurance policy is different, maintaining a clean driving record will decrease your rates.

Who can drive my car and be covered by my auto insurance?

All listed operators on your policy are covered opreators on your auto insurance policy. Any operator that regularly drives your vehicle and not listed on auto policy is considered an excluded operator for coverage. An exception to this rule is, in some cases, unlisted operators could have some coverage due to it being incidental and not used regularly.

How can I lower my auto insurance costs?

There are many cost savings way to lower your auto insurance costs which include various discounts available from insurance carriers see list below

  • Good Driver Discount
  • Anti-theft Discount
  • Multi-Car discount
  • Student away from home
  • Low mileage
  • Pay in full discount
  • Account bundling you auto and home insurance policies
  • And much more!

Does my auto insurance policy cover me for ride sharing programs like Uber and Lyft?

No, a standard auto insurance policy does not automatically include this coverage. However some auto insurance carriers offer options that can be added to cover you for this.

 

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