The first step when purchasing car insurance in Massachusetts is to determine what kind of coverage you need: personal injury protection, liability, collision, or comprehensive. For reference:
- Personal injury protection (or no-fault): Covers your medical expenses and 75 percent of missed wages up to $8,000.
- Liability: Protects you financially after an accident you were at fault for. Injured individuals may seek compensation through your liability coverage.
- Collision: Covers the cost of repairing your vehicle or replacing your totaled vehicle after an accident.
- Comprehensive: Covers accident damage and unrelated damage, such as “acts of God” (usually weather), theft, vandalism, etc.
Once you have decided which type of coverage to purchase, you can use an online tool to compare costs between companies. You can then purchase a policy online, over the phone, or by visiting an insurance office. If you need advice on how to purchase auto insurance in Massachusetts, schedule a call with CarAccident.Law. We are here to help.
