|Massachusetts Enhanced Coverages from Companies|
Some items to give you more value for your premiun dollar.
- Replacement Cost Coverage
- Optional Replacement Cost Coverage
- Original Equipment Manufacturer ( OEM ) parts
- Accident Forgiveness
Massachusetts Coverage descriptions and enhancements offered in whole or in part by some Companies are subject to change.
Call us for details.
Replacement Cost Coverage
Provided at no additional cost. Actual replacement cost, if you qualify, that in the event of a total loss, replaces a newly acquired model year and subsequent year vehicle, driven less than 15,000 miles.
Optional Replacement Cost
Endorsement can be purchased that does not contain a mileage restriction.
Both of the enhancements above apply to Collision, Limited Collision and Comprehensive (excluding theft, fire and vandalism losses) coverage for vehicles that meet the requirements.
Original Equipment Manufacturer (OEM) Parts Coverage
Provided at no additional charge and covers the cost to replace damaged parts with Original Equipment Manufacturer parts when the damaged parts cannot be repaired, as long as the damage occurs within the vehicle’s first 20,000 miles, the vehicle is no more than ten model years old and you meet certain other requirements. This enhancement applies to Collision, Limited Collision and Comprehensive coverage (excluding glass and mechanical parts) for vehicles that meet the requirements.
Accident Forgiveness Coverage
Insurance companies look at your record of accidents and moving violations when developing your automobile insurance premium. If your insurance policy has an accident forgiveness feature, the insurance company agrees not to factor an accident into the calculation of your premiums. Some insurance companies also use accident forgiveness as an incentive to new customers for switching from another insurer. Other insurers may even extend the accident forgiveness option to parents of teenage drivers.
While an accident forgiveness option may seem like a “free pass,” it is important for you to understand the conditions and limitations associated with this option. The insurance company does not erase the accident from your driving record. Instead, the insurer only agrees to not include an accident in the calculation of future premiums. If you move to another insurance company, that new insurer may factor that “forgiven” accident into the calculation of your premium. Per Mass. CABR website
Provides an automatic $100 credit per vehicle for every year that it remains claim free for all Plymouth Rock policyholders. This can be applied against your Collision deductible – up to a maximum of $500 credit per vehicle. Existing policyholders can start off with between $50 and $150 "in the bank" for each vehicle if they have been claim free customers of Plymouth Rock for at least twelve months.
Massachusetts Coverage descriptions and enhancements offered in whole or in part by some Companies are subject to change. The above is provided as information and is subject to change.