Massachusetts Auto Insurance: Comprehensive Coverage

05/20/2012 06:39:01 PM

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9. Comprehensive

Comprehensive coverage pays for damage to or loss of your car, less any applicable deductible, resulting from perils such as fire, theft, vandalism, and striking an animal, but not collision. This coverage allows up to $15 per day (to a limit of $450) for substitute transportation (rental or other transportation costs including taxi, bus, and train fare) until your stolen auto is recovered. Personal property is not covered unless it is permanently installed in your car, such as a stereo. If your car is financed, your lender may require this coverage.

If your automobile is stolen you must report it to the police and your insurance company. You will be reimbursed for transportation costs after the first 48 hours following the report.

You may be denied Comprehensive coverage or required to pay a higher extra-risk rate if you own a high-theft vehicle which does not have a qualifying anti-theft or recovery device. Coverage may be denied or priced higher under certain other conditions.

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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