FAQ's


Can I pay my premium online?

  • 1. If you use Quicken, or your bank’s online payment feature – yes. Be sure your policy number is referenced on the payment or it may not be properly credited.
  • 2. Some insurance companies have an online payment feature on their website. Check out the MyBills section of our website for a company-by-company listing of available options.

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Can I pay my premium by phone?
Some yes. Some no. Check out the MyBills section of our website for a company-by-company listing of available options.

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I’m getting a new car. What should I do?
Adding a new car to your current Massachusetts Personal Auto Policy is easy! If you are buying the car from a dealer, they probably have the ability to handle the registration for you. Be sure to have this conversation with the dealer to ensure a smooth transaction. Please note that many Massachusetts dealers charges much is $300 for this. We can go to the Registry and get your place for you for the cost of the runner – $20.00. If you are buying the car from out of state or buying it from someone else personally, then we will be there to help you with the registration process. In this case, you will want to make sure you have the signed Certificate of Origin (new car) or Title (used-car) and a Bill of Sale. Again, our runner can go to the RMV for you to get your plates. As always, please contact us to let us know of any changes to your account. If you do not currently have an auto policy with us, we can quickly set you up with one so you can enjoy your new car as soon as possible.

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I’m going on vacation (in the U.S.) and plan to rent a car. Do I need to purchase protection from the car rental company?
Assuming that you have a Massachusetts Personal Auto Policy, the answer is … maybe.

  • 1. All of your coverages go with you when are driving the rental car with permission (that means you are listed as an operator with the rental company). So, if you hit a tree, your auto policy will pay for the damage to the rented car, less your $500 deductible. Please note that you are subject to getting a surcharge for an at-fault accident.
  • 2. If you purchase the LDW (limited damage waiver) from the rental company, they will, subject to the limitations of the LDW, waive your responsibility for the damage to the rented car.
  • 3. Your credit card may provide some limited damage coverage. In many cases, it interfaces with your own auto policy, paying only your policy deductible (often $500). If you want to be sure – call your credit card company and ask them.

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What happens if you wreck the car and the rental company wants you to pay $45 per day to compensate them for their lost rental income while the car is being repaired?

  • 1. Your auto policy will not pay for this loss.
  • 2. The LDW you purchased will cover this loss.
  • 3. Very few credit cards will cover this loss – call your credit card company and ask.

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I’m going on vacation (outside the U.S.) and plan to rent a car. Do I need to purchase protection from the car rental company?
Assuming that you have a Massachusetts Personal Auto Policy, the answer is … yes!
Your Massachusetts policy covers you only while driving in the US, territories, possessions, Puerto Rico and Canada. So, when traveling to Mexico or any other foreign country, be sure to arrange liability and physical damage (collision and comprehensive) coverages from the rental company. A few credit cards provide coverage overseas – none provide coverage in every country. Call your credit card company to be sure. If you have an Umbrella Policy, it may cover you. But, since all Umbrella Policies are different, you should call us for details.

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What to do if you receive a Registration Renewal card that needs an insurance stamp?

Please sign the back of the Registration card and mail it into our office with your renewal fee check made out to the Mass Registry of Motor Vehicles. We will stamp the form and mail it, with the check, on to the Registry for you. They will process it and mail it back to you. Caution – this may take a total of up to 2 weeks. If your registration expires in just a few days, PLEASE call us for instructions.

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Where can I get help choosing a Medigap Policy?
The Centers for Medicare & Medicaid Services (CMS) and the National Association of Insurance Commissioners (NAIC) have jointly published a guide. Here it is (PDF).

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