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PO Box 1028
Athol, MA  01331-2264
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Mass Auto Insurance

The Massachusetts Automobile policy is actually made up of 12 parts. The first four parts listed below are required based on Massachusetts law and are referred to as Compulsory Insurance and are needed in order to register a car in the state.  The other coverages are optional insurance and are not always required by law.  These optional coverages provide additional insurance protection when you are trying to protect yourself, your family, and your cars.

A brief description of each coverage is listed below.  For a more complete explanation, please contact one of our Customer Service Representatives at Kimball-Cooke Insurance.

  • Bodily Injury to Others (required)
    Covers injuries to someone else resulting from a Massachusetts accident.
  • Personal Injury Protection (required)
    The benefits under this part are commonly known as 'PIP' or 'No-Fault' benefits. PIP benefits include medical expenses, lost wages, and replacement cost services.
  • Bodily Injury Caused by an Uninsured Auto (required)
    This coverage pays damages for bodily injury resulting from certain accidents caused by uninsured or hit-and-run autos.
  • Damage to Someone Else's Property (required)
    This coverage pays for damages to someone else whose auto or other property is damaged in an accident.
  • Optional Bodily Injury to Others
    This coverage pays for damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. Unlike the Compulsory part, this coverage does provide coverage for injuries to guest occupants and for accidents occurring outside of Massachusetts.
  • Medical Payments
    This coverage pays for reasonable expenses for necessary medical and funeral services to yourself and your passengers incurred as the result of an accident.
  • Collision
    This coverage pays for any direct and accidental damage to your auto caused by a collision.
  • Limited Collision
    This coverage will pay in some situations for direct and accidental damage to your auto caused by a collision. Coverage is only provided for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault.
  • Comprehensive
    Under this coverage we will pay for direct and accidental damage to, or loss of your auto, other than damage caused by a collision.
  • Substitute Transportation
    This coverage reimburses you, up to the limits shown on the declaration page, in certain situations if your auto was in a collision and is being repaired or replaced.  Coverage is provided if your auto cannot be used because of damage or loss, including theft, that is covered under Comprehensive.
  • Towing and Labor
    This coverage pays for towing and labor costs, up to the limit shown on the declaration page, incurred each time your auto is disabled.
  • Bodily Injury Caused By An Underinsured Auto
    This coverage pays for damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.

There are discounts available for multipolicy with our agency, low mileage, good student/away at school, paid in full, Go Green, Smart Shopper, and AAA member discount.  Contact our office to learn more about these available discounts.