No driver can legally drive their vehicle without auto insurance Boston. You may think you can get by without it, but if law enforcement pulls you over, you must show proof of coverage. Drivers who cannot show proof have to face a judge and explain why they have no insurance. Auto insurance also protects you from financial loss in vehicle accidents. Browse website for more details.
A basic policy can cover bodily injury, medical payments, uninsured motorists, and property damage. Some states require you add these in addition to liability. Bodily injury pays for the injuries you cause to another diver. Most states require a minimum, but it is best to buy more than the required amount. If your policy does not cover the full amount of injuries, you could be sued for the rest so buying more will prevent this situation. Medical payments or personal injury protection provides payments for you and injured passengers in your vehicle and it may cover lost wages. This can be referred to as no-fault. Personal injury protection may also only cover certain treatments.
An uninsured motorist add-on provides you with coverage in case you get into an accident with a driver without coverage. Accidents covered under this add-on include hit and run and accidents caused by stolen vehicles. If a driver leaves the scene of an accident, they are considered uninsured. After a vehicle is stolen, it becomes uninsured. If you vehicle is stolen and gets involved in an accident, the injured persons will be covered by the bodily injury clause. Underinsured motorist protection offers coverage for drivers who cause injuries that cost more than their liability covers. Another feature of auto insurance is property damage. Property damage pays for any damages you cause to another person’s mailbox, fence, buildings, or vehicles. This will not cover your vehicle. You need collision insurance to cover your vehicle and comprehensive insurance to cover damage resulting from non-accidents.
The amount of auto insurance Boston you get depends on your needs and budget. If you have several valuable assets, you may want to get more coverage than the minimum. The main thing is to never keep driving without it. Sawyer Insurance Agency Inc. can help you get a customized policy to suit your lifestyle.
