Massachusetts Auto Insurance: Things to Remember

05/20/2012 06:38:28 PM

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Things to Remember

Pre-Insurance Inspection

A Pre-Insurance inspection of used private passenger motor vehicles prior to providing coverage for Collision, Limited Collision or Comprehensive is required unless waived by your insurer. The inspection may be deferred for ten calendar days - not including legal holidays and Sundays. If your auto is not inspected within the required time, these coverages will be automatically suspended. Your premium will be adjusted if the suspension lasts more than 10 days.

Cancelling Your Policy

If you cancel your insurance policy, no refund will be issued until your insurance company receives a receipt showing the license plates have been returned to the Registry of Motor Vehicles.

Safety Inspection and Premium Payment

It is your responsibility to make sure that your safety inspection sticker is current. If you fail to keep your sticker current, 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.

Travel Outside Massachusetts

If you travel outside of Massachusetts to another state or to Canada, it is a good idea to have your insurance policy or proof of insurance with you. Your agent or insurance company can provide these forms.

Newly Licensed Drivers

If any of your children who are household members obtain a driver's license you must notify your 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.

Cooperate with Your Insurance Company

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 vehicles to be insured, the names of operators required to be listed, and the answers given for all listed operators, your insurer may refuse to pay your claims under any and all of the Optional Insurance Parts of your policy.

Return to Auto Insurance Index.

Source: Massachusetts Division of Insurance.

Note: This is general information and is not meant to be a substitute for reading your Massachusetts Automobile Insurance Policy. That policy is your insurance contract. Questions or disputes concerning your automobile insurance will be resolved according to the terms of this policy. If you have any further questions please contact our agency.

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