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Auto Insurance

Auto InsuranceRequest an Auto Insurance quote

Finding the right Automobile Insurance Coverage for your needs can be a confusing topic. Which coverage options do you need? Are you paying too much for your insurance? Are you well protected against liability lawsuits? At Foley Insurance Group we take pride in helping our customers understand exactly what they’re buying.

To help you get a better understanding of the Massachusetts Auto Policy we’ve provided an explanation of each section below. The first four sections are mandatory while the other eight are optional coverages.

Required Coverage.

1. Bodily injury to others
Bodily Injury to Others protects you against legal liability for the accidental injury or death of others caused by the operation of your car, but only if the accident occurs in Massachusetts. Injuries to the driver or passengers in your car are not covered under this Part.

2. Personal Injury Protection (PIP)
Personal Injury Protection (PIP) pays up to $8,000 for medical expenses, replacement services and 75% of any lost wages. PIP will pay these expenses to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. Your PIP coverage pays for medical expenses in excess of $2,000 that are not reimbursed by your health insurance only after these expenses have been submitted to your health insurer to determine what it will and will not pay.

3. Bodily Injury Caused By An Uninsured Auto
Bodily Injury Caused by an Uninsured Auto protects you, anyone you let drive your car, household members and passengers (unless covered by another Massachusetts policy with similar coverage) against losses caused by an uninsured or unidentified (“hit and run”) driver. This coverage does not pay for property damage or damage to your auto.

4. Damage To Someone Else’s Property
This coverage pays for damage to another person’s property when you, a household member or another authorized driver cause an accident. A minimum limit of $5,000 is required.

Optional Coverages

5. Optional Bodily Injury to Others
Optional Bodily Injury to Others extends your liability protection under Part 1 above the mandatory limits required by the Commonwealth. This option provides coverage for accidents beyond Massachusetts to anywhere in the United States, it territories or possessions, or Canada. It also provides coverage for bodily injuries suffered by guests in your auto.

6. Medical Payments
Optional medical payments coverage pays for medical expenses for you, your household members and passengers, over and above amounts covered by Personal Injury Protection (PIP) no matter who caused the accident.

7. Collision
Collision coverage pays for damage to your car (deductible may apply). Personal property is not covered unless it is permanently installed in your car. If your car is financed, your lender may require collision coverage.

8. Limited Collision
Limited collision coverage pays for collision damage to your car if you are no more than 50% at-fault for the accident AND the owner of the other vehicle is identifiable.

9. Comprehensive
Comprehensive coverage pays for damage to or loss of your car, less any deductible, resulting from events such as fire, theft, vandalism, and striking an animal, but not collision. Personal property such as a stereo is not covered unless it is permanently installed in your car. Glass breakage is fully covered and deductible free with repair provided by A&R Auto Glass or Affordable Auto Glass. If your car is financed, your lender may require this coverage.

10. Substitute Transportation
This coverage reimburses up to the limit purchased for car rental or transportation costs including taxi, bus, and train fare while your car is undergoing collision or covered repairs.

11. Towing and Labor
Towing and Labor coverage pays up to the limit purchased for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on-site labor costs at the breakdown site needed to get your car running again. Parts are not covered.

12. Bodily Injury Caused By An Underinsured Auto
This optional coverage pays if you are injured by a motorist with liability limits less than the amount of the damages you are entitled to recover. The other motorist’s policy pays its limits first and then yours pays any remaining losses up to the amount purchased. This coverage will not pay for damage to property.

If you have any specific questions regarding auto insurance options and different types of coverage’s we offer or to request a free quote please call or click here to fill out the request a quote form and have one of our knowledgeable agents reply to any insurance questions you may have.

Homeowners Insurance

Home Owners InsuranceNo matter the size, your home is most likely your biggest investment. Foley Insurance Group offers a variety of homeowner investment plans to help you recoup your investment if your home is damaged.

We offer standard home insurance, property insurance for rental properties and insurance upgrades for high valued homeowners. Flood insurance, personal liability insurance, home business insurance and upgrade insurance plans are also available.

 

Umbrella

Umbrella InsuranceToday, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.

Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one’s homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one’s non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.

 

Boats

Boat InsuranceYour boat is probably one of your most treasured and valuable possessions. Unfortunately, a boat can also be vulnerable – to accidents, storms, and theft. In addition to giving you peace of mind, boat insurance coverage provides protection for you, your passengers and your boat. Here are some qualities to consider when shopping for boat insurance:

  • Stability – research the financial stability of your potential boat insurance provider. A.M. Best and Standard & Poors offer financial ratings for boat insurance companies
  • Customer Service – When a claim occurs you’ll want to be treated fairly and quickly. Choose a marine insurance provider with a large network of boat insurance agencies, offices, claim centers, emergency services and helpful employees to serve you in your time of need.
  • Reputation – Get your boat insurance from a quality boat insurance provider. Choose a company with high standards and a strong reputation.
  • Coverage options – Your boat insurance needs are unique to you, make sure the boat insurance provider has a wide selection of options.
  • Price – Although price is important you will need to understand your marine insurance policy and services behind it. Find a balance between peace of mind, financial security and price. Make sure you understand your policy, the lowest price is not always the best protection.

Your boat is designed to give you years of enjoyment; ensure your fun by choosing the right protection.

 

Recreational Vehicles

RV InsuranceFoley Insurance Group is your one-stop location for recreational vehicle insurance. After obtaining a few pieces of information from you, we’ll research many top-rated RV insurance carriers and find you the best combination of coverage and price. Our knowledgeable agents can provide the quality advice and assistance you expect from an insurance organization.

We work hard to find you the best rate and coverage for your travel trailer and motorhome insurance needs. Because we represent many top-rated RV insurance companies, we provide lower premiums and better coverage than other insurance providers.

We also provide insurance coverage for Medium Duty Trucks which are designed to tow large fifth wheels. These vehicles are also known as Medium Duty Haulers, or Medium Duty Tow Vehicles, Freightliners, or Toterhomes.

Your policy may include Total Loss Replacement, Emergency Expense Coverage, Unlimited Towing and Roadside Assistance, and more. All of our RV insurance policies come with specialized RV coverage. RV America will find you the best rate on travel trailer, fifth wheel and motorhome insurance. Contact us toll free if you have more questions.

The Foley Insurance Group services Springfield, Agawam, Holyoke, Chicopee, Westfield, West Springfield and many other communities in Western Mass and the greater Pioneer Valley.