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Ambrose & Grant
1500 Providence Hwy
Suite #24B
Norwood, MA 02062
P/ 781.762.2300
F/ 781.762.5844
M-F: 8:30am-4:30pm
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Auto Insurance
We realize your situation is unique. That is why we offer a wide variety of coverage and deductible options.
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Ambrose & Grant is excited to offer Mass drivers more coverage options and enhanced discounts through the introduction of managed competition. Read more about what managed competition means for you!
Auto insurance provides you with important financial protection against bodily injury and property damage that result from automobile accidents. In addition to minimum legal requirements, you should consider other types and amounts of coverage for your individual needs. As you select coverage options, there are key areas of protection to consider in the state of Massachusetts.
1. Bodily Injury to Others pays for damages (e.g. medical expenses, pain and suffering) to anyone injured or killed by your car only in an accident that occurs in Massachusetts, up to basic limit of $20,000 per person and $40,000 per accident.
2. Personal Injury Protection (PIP) pays up to $8,000 to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. Personal Injury Protection pays for medical expenses, replacement services and 75% of any lost wages.
NOTE: PIP covers owners of cars and motorcycles, and members of their households, if they are injured while occupying or struck by a car that does not have Massachusetts Compulsory Insurance.
3. Bodily Injury Caused by an Uninsured Auto 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.
4. Damage to Someone Else's Property
This coverage pays for damage to another person's property
and costs associated with the loss of use of that property, when
you, a household member or another authorized driver cause an
accident. A minimum limit of $5,000 is required.
5. Optional Bodily Injury to Others
This optional coverage extends your liability protection (the
basic $20,000/$40,000 limits under Bodily Injury to Others) up to
the amount you purchase under this part. This option provides
coverage for accidents beyond Massachusetts to anywhere in the
United States, its territories or possessions, or Canada. This
coverage also pays for damages suffered by guests in your auto.
6. Medical Payments
Coverage for Optional medical payments covers 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. The minimum amount you can buy is $5,000
if insuring an automobile and $500 if insuring a motorcycle.
7. Collision
Collision coverage pays for damage to your car, less any
applicable deductible, no matter who causes the accident. If your
car is financed, your lender may require this coverage as well as a
particular deductible amount.
8. Limited Collision
This coverage pays for collision damage to your car. You must
not be more than 50% at fault, and the owner of the other vehicle
must be identified.
9. Comprehensive
Comprehensive coverage pays for damage to or loss of your
car, less any applicable deductible, resulting from perils such as
fire, theft, vandalism, and striking an animal, but not collision.
This coverage allows up to $15 per day (to a limit of $450) for
substitute transportation (rental or other transportation costs
including taxi, bus, and train fare) until your stolen auto is
recovered.
10. Substitute Transportation
This coverage reimburses up to $15 a day for car rental or
transportation costs including taxi, bus, and train fare (up to
$450), while your car is undergoing collision or covered repairs.
Coverage of up to $100 a day (up to a limit of $3,000) is available
for an additional cost.
11. Towing and Labor
Towing and Labor coverage pays up to $50 for towing and labor
charges each time your car breaks down whether or not there is an
accident involved. You are covered only for the on-site labor costs
at the breakdown site (not any parts) needed to get your car
running again. Coverage up to $100 per disablement is available for
an additional cost.
12. Bodily Injury Caused By An Underinsured Auto
This coverage pays for bodily injury damages to you,
household members and passengers, unless they have a policy of
their own, or are covered by a Massachusetts auto policy of another
household member with similar coverage. It pays you up to the
difference between the total amount collected from the bodily
injury liability insurance covering the owner and driver of the
other car, and the limits you purchased for this coverage.
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