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It won’t fit under the tree, but a new car for the holidays might be one of the best gifts ever! The holiday season is often a great time to shop for a new car. Many dealerships offer large discounts and low financing options at the end of the year to move inventory. But when buying a car for someone else or yourself, don’t forget about what must go along with it — insurance!


Car insurance not only protects your car, it also protects you. That’s why it’s important to understand the different types of coverage a policy can include.

In the Commonwealth of Massachusetts you are required by law to have the following car insurance coverages:

Bodily Injury to Others — When you are found legally responsible for a car accident, bodily injury liability coverage can cover the costs associated with injuries to the other person or people involved, up to the limit of your policy. The required minimum coverage limits for bodily injury to others are $20,000 per person and $40,000 per accident, but you can and often should increase the limit of this coverage.

Personal Injury Protection (PIP) — This coverage provides reimbursement for medical expenses from injuries caused to you or your passengers. The required minimum coverage for personal injury protection is $8,000 per person, per accident, but we recommend talking to your independent insurance agent to make sure your limits are providing you with adequate coverage

Bodily Injury Caused by an Uninsured Auto — In almost every state, you are required by law to have liability auto insurance, but this doesn’t mean that everyone does. In the event that you get in an accident with an uninsured driver or are involved in a hit and run, this coverage pays for medical expenses associated with the accident.

Damage to Someone Else’s Property — This part of your car insurance policy can help cover repair costs for damages you cause to another car or someone else’s property, like a fence, up to the limit of your policy. The required minimum coverage for property coverage is $5,000 per accident, but keep in mind that as cars get more technologically advanced, they also get more expensive to repair.

In addition to the required coverages, there are also optional and additional coverage options for car insurance, such as:

  • Accident Forgiveness — which protects your driving record from being affected by the insurance company’s rating system for an “at-fault” accident;
  • New Auto Replacement Cost — covers the cost of a new car of the same make and model, minus the applicable deductibles, if your car is totaled in a covered loss;
  • Auto Loan/ Lease Gap Coverage — if you have a loaned or leased vehicle, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease;
  • Accident Airbag Discharge Coverage — covers the cost of repairs if an airbag deploys on accident;
  • and Original Equipment Manufacturer Parts Coverage — if you are in an accident, this coverage ensures parts are replaced with original factory equipment. Without this coverage, parts can be replaced with aftermarket or used parts that are not made by the car’s manufacturer.


We know you want to hit the open road and show off your new wheels, and here at KW Insurance Agency, we want to help you do just that — with the proper insurance coverage of course! As trusted insurance advisors, we will evaluate your needs, find the proper coverage, and get you out on the open road with the security and peace of mind you want. Give us a call at 781.751.9080 (Dedham) or 617.492.4150 (Cambridge) to learn more about proper car insurance coverage today.