Massachusetts Enhanced Coverage
To give you more value for your auto insurance, Plymouth Rock offers several enhanced coverage options in Massachusetts. Some options apply automatically to qualified drivers. Ask your Plymouth Rock agent how you can qualify for and purchase these options.
Replacement Cost Coverage
Provided at no additional cost and covers newly acquired current and subsequent model year vehicles that have been driven less than 15,000 miles. If you qualify, Plymouth Rock will pay the replacement cost of a vehicle that has been deemed a total loss. An optional Replacement Cost endorsement can be purchased that does not contain a mileage restriction. This enhancement applies to Collision, Limited Collision and Comprehensive (excluding theft, fire and vandalism losses) coverage for vehicles that meet the requirements.
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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.
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Accident Forgiveness Coverage
Provided at no additional charge for qualifying policies upon renewal. This coverage "forgives" the surcharge associated with a single at-fault accident. In order to qualify, your policy must have been in force with Plymouth Rock for at least forty-eight months, all drivers on the policy must qualify for the Excellent Driver Discount Plus under the Safe Driver Insurance Plan, and you must meet certain other requirements. New customers can purchase this coverage when they qualify for the Excellent Driver Discount Plus under the Safe Driver Insurance Plan.
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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.