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WHY GETTING AUTO INSURANCE IS A WISE DECISION?

11 Jan 2023

Drivers in Dorchester, Hyde Park, Mattapan, Roslindale, and other neighborhoods in Boston, Massachusetts are required to acquire a minimum amount of car insurance coverage before they can start driving their car. They are also required to carry auto insurance with them at all times while driving.

auto insurance in Dorchester

Because the law requires auto insurance in Boston, almost all drivers have it. However, this does not mean that you should just settle with the minimum insurance requirement. There are a lot of reasons why it is a wise decision to get additional auto insurance coverage. Below are some of these reasons.

Reason #1 – Protection against expensive claims

Surely, getting additional car insurance in Dorchester will cost you hundreds to thousands of dollars depending on the type of coverage you are getting. However, this cost may be quite immaterial if compared to the possible expensive claims you may encounter in the future should an accident happen.

Auto insurance coverage like property liability, collision, bodily injury liability, and comprehensive will protect you and your family from expensive claims and expenses if you happen to meet an accident on the road.

Reason #2 – Protection against loss or damage

Auto insurance in Hyde Park, Boston will cover the damage cost of your vehicle in case you get into an accident or if your vehicle catches a fire or experiences self-ignition. The insurance policy also offers coverage on losses caused by strikes, terrorism, theft, or burglary. If your car suffers from damages or losses while in transit, be it by lift, air, inland waterways, rail, or road, the auto insurance will also cover them.

auto insurance in Boston

Reason #3 – It gives you peace of mind

Your peace of mind is priceless. And this is perhaps the best thing that auto insurance can provide you.

No matter how careful you are while on the road and regardless of how skilled you are as a driver, you can’t be sure that you will never meet an accident or make mistakes. There are things that are beyond your control. An accident might be caused by another driver’s fault or by other reasons.

And oftentimes, accidents happen in the most unexpected times. Knowing that you and your family are financially protected against possible damages, losses, and claims will give you peace of mind.

Reason #4 – Coverage for third party liabilities

If your vehicle happens to get involved in an accident like a collision accident and such event resulted in loss or damage of a third party’s property or perhaps it caused death or physical injury of which you are legally responsible for, your auto insurance in Roslindale will provide you with the coverage for such third party liabilities.

Reason #5 – Coverage for personal accident

Depending on the type of auto insurance policy you get, it may include coverage for personal accidents. This personal accident benefit offers coverage against death or permanent total disability caused by an accident.

Types of auto insurance

Among the common types of auto insurance in Dorchester are:

  • Collision insurance
  • Towing and labor insurance
  • Uninsured motorist insurance
  • Liability coverage
  • Gap insurance
  • Medical payments coverage
  • Comprehensive insurance
  • Personal injury protection insurance

Note, though, that coverage of the auto insurance in Mattapan depends on the type of policy you get. It is best to talk with a qualified insurance advisor or financial advisor to know which insurance coverage best fits your needs.

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