Auto Insurance for Massachusetts Drivers

You’ve got to have it—now what?

You’re required by law to carry auto insurance. So you may not think it makes a difference if you get it from a talking lizard, a comic spokesperson, or a locally owned insurance provider like Farquhar and Black Insurance Agency.

Auto Insurance In Massachusetts

Accidents Do Happen!

Massachusetts is often known as a state where traffic laws and regulations often seem more like suggestions than mandatory behaviors. You want the peace of mind that comes from having the right Auto Insurance before the accident happens.

You sit patiently waiting for the red light to go to green at the intersection of a busy cross street. Your light changes to green, but out of the corner of your eye you see a car fast approaching from the right. You turn your attention to it, and yes, thankfully he is stopping so you begin to make your left hand turn….CRUNCH!! While you were paying attention to the guy who looked like he wasn’t going to stop on the right, the car on the left sailed through the red light and smashed you in the driver’s side. You just hope you have the right Car Insurance.

Although you are not critically injured, you still required an ambulance ride to the hospital, four nights in a semi private room, numerous follow up visits with your doctor, 26 days out of work and 3 months (or more) of rehab. Without even including your car (totaled) your costs are already upward of $23,450. And the guy that hit you was driving an uninsured vehicle. What do you do?

Quality protection at a great price!

Here at Farquhar and Black Insurance Agency, our entire focus is on making sure that if something like this happens to you, your Auto Insurance is there to protect YOU, completely. We will work with you to create an insurance shield that protects you, your family and your assets in case you are involved in an accident. Under Massachusetts Law Your Car Insurance has to include these four coverages:

  • Bodily Injury Liability to others – in case you are found at fault and injure another person in the accident
  • Personal Injury Protection – pays up to $8,000 for your medical bills, lost wages and replacement services regardless of fault
  • Property Damage Liability – Pays for the damage you cause if you hit another vehicle
  • Uninsured Motorist Protection – although the law says you have to have it, that doesn’t mean that everyone will.

Depending on your circumstances, to be properly protected, you may also be interested in:

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for …

… While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy.

We’re your neighbors. We protect people we know and care about in Lynn, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Fill out the form at the top of this page and let the professionals at Farquhar and Black Insurance Agency help you forge the strongest shield possible to help you protect the things you care about most.

Collision and comprehensive coverage – to protect your car from physical damage regardless of who is at fault

  • Medical payments – to supplement your health insurance
  • Substitute transportation coverage – in case you have to rent a car while yours is being repaired
  • Gap insurance – in case your vehicle is totaled and the car has depreciated more than your loan or lease balance has been reduced
  • Disappearing Collision deductibles
  • Guaranteed Replacement Cost
  • Accident Forgiveness
  • Emergency Road Travel Expenses

These are just some of the coverage options that the professionals at Farquhar and Black are happy to explain to you. We are here to help you select the proper coverage and limits for YOUR peace of mind while making sure you are receiving all the discounts and credits you are entitled to.

Farquhar And Black Insurance Agency – Your Lynn Auto Insurance Expert

After the accident is not the time to find out whether your protection is adequate. And think about it, we are all one mishap away from devastating personal and financial loss.

As for the driver in our example…he had full collision on his vehicle and settled at a fair price for his wrecked car and was only out the $500 deductible. As for his medical bills and lost wages, his personal injury protection paid the first $8,000 and he and his insurance company agreed to a settlement under his uninsured motorist coverage that brought him back financially to where he was before the accident. The gentleman that hit him? $750 in fines, 90 days probation and he’s supposed to pay the insurance company restitution.

At Farquhar and Black Insurance Agency we have protected the residents and businesses of Lynn, Swampscott, Marblehead, Salem, Peabody and all of Massachusetts since 1854. We know the area. We know the residents. We know how to protect you with the right Car Insurance.

Nobody can be promised that they will avoid all the accidents. So don’t delay. Be prepared for life’s misfortunes.