Auto Insurance in MA
Part 7 - Collision
7. Collision (Optional
Auto Insurance) -
Insurance pays for collision
damage to your auto, 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.
Selecting Your Deductible:
Your MA auto insurance deductible will be set at $500 unless you select a different amount.
You can always save on your premium by choosing a larger deductible where
one is offered. In determining the amount of deductible that is right for
you, decide how much you can afford to pay out of your own pocket in the
event of an accident or loss in which you are at fault, or the other
driver is unidentified. The deductible you choose is the amount you should
expect to pay if you use this coverage option. Information regarding
Selecting Your Deductible also applies to Limited Collision coverage (Part
8) and Comprehensive coverage (Part 9).
Waiver of Deductible for Auto Insurance:
Buying Collision coverage with a "waiver of deductible" means that the
collision deductible you choose will not apply when an accident is
caused by another identifiable driver. This is most helpful
when there is an uninsured, identifiable driver. If you are in an accident
caused by another identifiable driver who is insured, their Part 4
coverage (Damage to Someone Else’s Property) will pay your automobile’s
damages to the limit they purchased. You will not have to pay the
If you are in an accident caused by another identifiable driver
who is uninsured, the waiver of deductible will pay the collision
deductible you selected; however, you must pay additional premium for this
Find out what your car is worth today. If you have a car of low dollar
value, it may be a wise economic choice not to buy the Collision
and Comprehensive coverage unless a lender requires it.
However, if your automobile has substantial value because of its
exceptional condition, such as an antique, classic or restored automobile,
you should have it appraised and then consider insurance coverage in light
of the appraised value.
Back to Massachusetts Auto Insurance Coverage