Massachusetts Independent Agent Advantage

Mass Agent Adavantage

What are some of the advantages of using an Independent Insurance Agent?

  • We assist you at claim time
  • We rate with numerous auto insurance companies. This allows us to find the lowest premium and best insurance program.
  • We’re not beholden to any one company; thus, you don’t need to change agents as your insurance and service needs change.
  • We are your personal insurance consultant, working with you as you determine your needs.
  • We offer one-stop shopping for a full range of products including: home, renters, condo, auto, business, life and health insurance.
  • We periodically help you review your coverage to keep up with your changing insurance needs.
  • When billing questions or issues arise, we are here to assist you.
  • We treat you like a person, not just another number.
  • We assist with the Registry of Motor Vehicles.
  • Serving you is important to us, both as a business and as a family.

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MA Auto Insurance and renting a vehicle on vacation

Renting a vehicle on vacation: MA Auto Insurance

Our Massachusetts insurance agency gets quite a few phone calls regarding insurance coverage when renting a vehicle on vacation.

Do you need to buy additional insurance coverage when renting a vehicle?

The answer is … it depends.

The Massachusetts auto insurance policy states:

“Compulsory Bodily Injury To Others (Part 1) only covers accidents in Massachusetts. All the other Parts provide coverage for accidents and losses which happen in the United States or Canada. We consider United States territories and possessions and Puerto Rico to be part of the United States. We will pay for accidents and losses which happen while your auto is being transported between ports of the United States and Canada. Your auto is not covered in any other country.”

“Your Auto – means:

A. The vehicle or vehicles described on the Coverage Selections Page.

B. Any auto while used as a temporary substitute for the described auto while that auto is out of normal use because of a breakdown, repair, servicing, loss or destruction.

So, long story short: if you have “full” coverage for your vehicle on a Massachusetts private passenger auto policy, coverage will apply to the rental vehicle as long as you are in the United States (possessions, territories including Puerto Rico) or Canada.


Massachusetts Auto Insurance Reminders:

  • If you cancel your insurance policy, no refund will be issued until your Massachusetts insurance company receives a receipt showing that your license plates have been returned to the Registry of Motor Vehicles.
  • It is your responsibility to make sure that your safety inspection sticker and your registration plates are current. If you fail to renew on time, you may be fined and surcharged. You must pay your premium to avoid cancellation of your insurance. On the effective date, cancellations are electronically reported to the Registry of Motor Vehicles.
  • If you travel outside of Mass to another state or to Canada, it is a good idea to have your Mass insurance policy or proof of insurance with you. Your independent insurance agentor insurance company can provide these forms.
  • If any of your children who are household members obtain a driver’s license you must notify your insurance company within 60 days of that date. You must list all licensed household members and any other licensed person who will customarily operate your auto.
  • If you or someone on your behalf gives your insurance company false, deceptive, misleading or incomplete information concerning the description and place of garaging of the vehicles to be insured, the names of operators required to be listed and the answers given for all listed operators, your insurance company may refuse to pay your claims under any and all of the Optional Insurance Parts of your policy.
  • Request a Massachusetts auto insurance quote now.