Personal Lines

		MA Auto
		CT & RI Auto

MA AUTO

Personal Auto Policy:

Massachusetts

MASSACHUSETTS AUTO INSURANCE PROGRAM

Quincy Mutual has one of the most competitive premium programs in the industry providing even greater discounts for good drivers. For more details please go to the Quick Links box on the right and select our Massachusetts Auto Information page.

All individually owned vehicles registered under the Massachusetts Compulsory Motor Vehicle Law shall be written on the Massachusetts Automobile policy.

There are two major automobile exposures for which individuals seek protection under the Massachusetts Automobile Policy.

1.	People want to be protected against their liability (legal responsibility) should they physically injure someone, Bodily Injury or damage someone else's property, Property Damage, through the use of their automobile. The MA Auto Policy provides protection for these types of losses. These coverages are referred to as liability coverages or third party coverages since they provide insurance for the benefit of a third party as a result of the insured's negligent actions in the auto accident.
2.	People also want to make sure they are protected regardless of who is at fault if they, their household members or their passengers are injured in an accident and if their own auto is damaged in an accident or sustains damage in a fire, theft, etc. The MA Auto Policy provides protection for these types of losses. These coverages are called first party coverages since they provide insurance for the direct benefit of the insured. Personal Injury Protection and Medical Payments provide protection to the insured, household members and passengers for their medical expenses or lost wages due to injuries. There are five coverages available to cover damages or loss to the insured's vehicle referred to as physical damage coverages. These five coverages are shown below:   Collision   Limited Collision   Comprehensive   Substitute Transportation   Towing and Labor There are also two first party coverages that provide the insured with protection for injuries sustained as the result of an accident caused by an uninsured or underinsured auto. Both of these coverages are dependent on the "other auto" being legally responsible for the accident.

Personal Auto Policy:

CT & RI:
Automobiles provide the basic mode of transportation in today's society. Nearly everyone owns a car and with the ever-increasing number of vehicles on the road, automobile insurance is practically a necessity. Some states have made certain types of auto insurance mandatory.

There are two major automobile exposures for which individuals seek protection:

1.	People want to be protected against their liability in case they injure someone or damage someone else's property through the use of their automobiles.
2.	People want protection for damage to their own automobiles in case the auto is damaged in an accident or suffers other types of damages, such as fire or theft.

1.	Part A- Liability Coverage: Liability arises from damage or injury one individual causes to another for which the individual is legally responsible.
2.	Part B- Medical Payments Coverage: This coverage pays the insured and others for medical expenses arising from an automobile accident or from being struck by an automobile, regardless of fault.
3.	Part C- Uninsured Motorist Coverage: Pays the insured for damages resulting from an accident caused by and uninsured motorist or a hit and run driver.
4.	Part D- Coverage for Damage to your Auto: This part covers damage to the insured's car caused by a variety of perils, such as collision, fire and theft.

If you would like more info on our products, or to buy a policy, use our agent locator.

Massachusetts Auto Information

Customer Service

How do I make a claim?

Are you from Maine? Check out Patrons Oxford, our Maine subsidiary: www.patrons.com