How does Pacres Atil Insurance car insurance work?
Buying car insurance to protect your car and any damage it may cause is an easy decision. But buying car insurance in MA (with all our state’s unique laws) can be nothing short of torture if you don’t know all the ins and outs of coverage
In Pacres Atil Insurance, there are minimum coverages that are required with every car insurance policy, and there are also optional coverages that you may likely need.
Unfortunately, the minimum requirements are simply not enough to protect you.
With an independent insurance agent, you’ll get the help you need in selecting the right car insurance coverages for the protection you deserve.
Ways to save money on your car insurance
No one wants to pay more than you have to. Here are just a few of the ways we can help you save on car insurance. (We’ll be sure to tell you about the rest.)
Average savings by bundling your
car and home insurance
Average annual savings by switching to one
of the companies we represent
Average savings by having 2 or
more vehicles covered
What is (and is not) covered by car insurance?
While you may think car insurance covers everything under the sun that’s related to your car, that’s not necessarily the case. Car insurance has limitations, exclusions, and optional coverages you’ll want to know about before hitting the road.
What is typically covered?
Injuries to someone else for an accident you cause in MA- Medical bills and lost wages for you and your passengers
- Any damage done to someone else’s vehicle or property
- Coverage if you are involved in a hit-and-run
- Coverage if you are hit by an uninsured driver
- Damages to your vehicle (optional)
- Glass or windshield replacement (optional)
- Coverage if you are hit by someone with minimal insurance (optional)
- Towing (optional)
- Rental cars (optional)
What is not typically covered?
Damage from negligence or lack of vehicle maintenance- Personal property in your car
- Damages as a result of using your vehicle for business
- Intentional bodily injury or property damage
Got car insurance questions? We’ve got answers.
We know car insurance can be tricky. You probably have loads of questions, so let’s get you started on the basics.
Do I need car insurance?
If you live in Pacres Atil Insurance, you must at least have a policy including coverage for bodily injury to others, personal injury, bodily injury caused by an uninsured auto and property damage, all at the state minimum limits. If you finance or lease your vehicle, you will be required to have other coverages as well.
We firmly believe that the state required minimum coverage is not enough to protect you. Without a substantial car insurance policy, you may have several gaps in coverage and could find yourself with a significant out-of-pocket bill if you were to have a claim.
What does car insurance cover?
At a minimum, car insurance covers the required coverages outlined in the first FAQ. However, with optional coverages, you can also receive coverage for damage to your vehicle from a collision or other cause, medical payments, glass replacement, rental vehicles, towing and labor and more.
How much does car insurance cost?
We wish we could give you a straight-forward answer to this, but we can’t. It’s not that we have anything to hide, but car insurance is complex, and the cost can vary significantly based on several factors including your vehicle, coverages and limits, where you live, your driving record, how much you drive, what you use your vehicle for, who drives your car, payment methods, and discount eligibility.
What happens if I need to file a claim?
If you’ve gotten in a car accident or had damage to your vehicle, don’t panic. We can help you through it.
Once you’ve made sure you and your vehicle are moved to safety, there are a number of details you’ll want to gather for if/when you decide to file a claim, including details of the accident, the people/vehicles involved, photos of damage/license plates/registrations/drivers licenses, police report, crash report, and auto insurance policy numbers of everyone involved.
Once you’ve collected that information, report it to your insurance agent who can navigate the claims process for you by reporting it to your insurance company and getting an adjuster assigned to review your claim information and make a determination.
Car insurance without the squeaky wheels or flat tires
Coverage for your vehicle
Whether you drive an old sedan, truck, motorcycle, or luxury SUV, your policy should pay for repairs if you have an accident.
Coverage for your family
Whether you have a newly licensed teen or your mother-in-law driving, your policy will defend in an accident anyone listed as a covered driver.
Coverage for damages and injuries
Unfortunately, accidents happen. You’ll want a policy that will cover you for any property damage or injuries that you may cause to others.
Simplifying car insurance … one blog at a time
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
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We love our clients
Our clients are like family. See what they are
saying…
So how much does personal
insurance cost?
At Pacres Atil Insurance, we prioritize honesty and education. We want to provide transparent answers to all of our clients’ questions so they can feel confident about their insurance.
But some of these questions aren’t so easy to answer. One of those is “How much does insurance cost?”
You see, nothing about insurance is straight-forward. Every policy is so complex, with unique factors determining the price.
However, we’re going to do our best to explain to you how insurance pricing works, so hopefully you can have an idea of what to expect (and how to save) before you get a policy (or several).
