Yes, Massachusetts requires all car owners and drivers to purchase car insurance.

• Bodily Injury to Others (BI): $20,000 per person and $40,000 per accident

• Personal Injury Protection (PIP): $8,000 per person per accident

• Bodily Injury Caused by Uninsured Motorist (UM): $20,000 per person and $40,000 per accident

• Property Damage (PD): $5,000 per accident

Your auto insurance policy MUST list all licensed drivers living in your household along with any customary or occasional driver that resides outside of the household.  Drivers already covered by their own insurance policy MUST be listed also.

As soon as your son or daughter obtains a driver’s license, you need to add them to your insurance policy. They do not need to be added to your policy while they drive on a learner’s permit.

Call us at (617) 905-3313 or come into one of our 15 convenient locations to verify coverages and authorize the change to your policy.

For Private Sales: Must provide us with the Bill of Sale and the Title.

Dealerships: Must provide us with RTA form, Title, and Purchase and Sales Agreement

There are only 2 ways to cancel your auto insurance:

1. Cancel/Return the license plates to the Registry of Motor Vehicles. You can either process the plate return online through the MA RMV at WWW.MASS.GOV/RMV or take your plates into the Registry of Motor Vehicles. You will then receive a Plate Return Receipt, which MUST be forwarded to our agency in order to stop coverage.

2. Provide us with a 2A Form which shows that your auto is now insured with a different company.

To remove a car from your policy, you must either cancel the license plates or send us a 2A Form which shows that the vehicle is now insured with a different company. To cancel your plates, go online to WWW.MASS.GOV/RMV or go into the Registry, then provide us with a copy of the plate return receipt. 

Yes. The single most important thing you can do to protect yourself from a claim denial is to check that all of the information you provide your insurance company is complete and accurate. It is up to you to notify your insurance company where your car is garaged most of the time, regardless of your listed address.  Also, if you or someone on your behalf gives false, deceptive, misleading or incomplete information on any application and if such information increases the insurance company’s risk of loss, your company may then refuse to pay claims under any or all of the Optional Insurance Coverages of the policy.

If you move outside of Massachusetts, you must obtain an insurance policy in your new state of residence within 30 days. After purchasing your new policy, return your MA license plates to the RMV and send us the plate return receipt you receive from the Registry.

If your policy is being cancelled because you have failed to pay your premium, you must pay your exact outstanding premium immediately to prevent cancellation. If you feel that the cancellation is unjust for any reason, you may submit a written appeal to the Board of Appeal. This must be done prior to the effective date of cancellation.

Yes. Your company must send you a notice at least 20 days prior to the effective date of the cancellation. A notice sent by regular mail with a certificate of mailing receipt obtained from the Post Office is considered sufficient. Certified or registered mail with a return receipt is no longer required.

Yes, if you have a valid foreign license, you can purchase an insurance policy. You may legally drive in Massachusetts for one year from your date of arrival in the US. However, you will need to obtain a Massachusetts license within that one year, otherwise your policy may be non-renewed.

In order to get credit, you must provide us with a copy of your out-of-state or foreign license and a copy of your driving record from that state or country.  If your record is not in English, it must be translated by a bilingual teacher from a MA accredited college or university or private school; a bilingual MA Notary Public; a local consulate for the licensee’s country; or a member of the American Translator’s Association.

You may still be able to get a policy, if you can show proof that you have gone back to your country and returned to the U.S.  Contact us at (617) 905-3313 to discuss your options.

Your odometer reading is recorded at the service center during your annual MA safety Inspection. Insurance carriers use the difference in reported mileage from year to year to determine what discount, if any, for which you are eligible.

Yes, you must pay an insurance premium even if your vehicle is declared a total loss until such time as you return your license plates to the Registry of Motor Vehicles. Your auto policy terminates when you return the license plates to the Registry of Motor Vehicles. If you don’t have your license plates because your auto was stolen or because your auto and plates were destroyed in a fire, you must go to the nearest Registry of Motor Vehicles office and obtain a lost or stolen plates receipt. This receipt must be presented to your insurance company in order to cancel your policy and avoid paying any additional premium. 

IMPORTANT: If you are driving a rental car while your claim is being investigated, you must keep your coverage in force until you return the rental car..

Yes. Commercial auto insurance covers your vehicle for both commercial and personal use. However, personal auto insurance does not cover a vehicle if it’s being used for business purposes.

Your current policy will not be affected by an accident, but your rate could increase as a result of the cost of an accident claim under what is called experience rating …  not as a surcharge but as increased premium.

Possibly. Deductibles apply whenever your policy’s collision or comprehensive coverage is used, regardless of who is at fault.  If the at-fault party was insured, your insurance carrier will attempt to recover your deductible from their insurance company.  If the at-fault party doesn’t have insurance, your insurer will attempt to collect it directly from them.