Over 4.5 million cars are currently registered in the state of Massachusetts. The Massachusetts Registry of Motor Vehicles ensures all traffic rules and regulations are met throughout the state. Drivers must comply with these rules in order to legally drive here. One of the main requirements of driving a vehicle is making sure it is insured. Vehicle insurance is mandatory in every state, any driver caught driving an uninsured vehicle can be penalized. In the state of Massachusetts, there are a number of insurance companies that offer various coverage plans to vehicle owners.
It is important that individuals choose a coverage plan that suits them best. Some of the insurance options include full coverage, rental reimbursement coverage, mechanical breakdown insurance, umbrella insurance, and liability insurance.
Massachusetts auto insurance claims
Accidents, mechanical breakdowns, and other care mishaps can be devastating and injurious. Thousands of vehicles end up in fatal crashes each year. Whether the car suffers serious damage, or the driver, insurance can help pay for such unexpected expenses. However, the insurance claim process will depend upon the insurance company and type of insurance, and of course, the type of damage caused by an accident. Accidents must be reported to the local police. This usually takes place just after an accident. After this step is completed, the driver must contact his or her insurance agent and file a claim.
When filing Massachusetts auto insurance claims, a lot of information may be required such as names, contact numbers, addresses, license plate numbers, insurance company information, and vehicle identification number. In some cases, insurance agents will also look into the police report for evidence and detail regarding the accident. It is important that the claim is filed as soon as possible. Upon receiving the claim, the insurance company will send an adjuster or an agent to look into the damage and estimate the costs. Unusually, cars that have been in an accident will be sent to an auto-workshop under the approval of the insurance company. The amount that will cover the costs will depend upon factors such as coverage policy and fault of the driver.