Most drivers are familiar with collision coverage. However, in Massachusetts, drivers can swap collision coverage for limited collision coverage. What's the difference? Limited collision has no deductible. For coverage to apply, the insured must be equal to or less than 50% at fault for the accident.
What is limited collision on insurance?
Under limited collision, your insurance company will only pay for damages if you are 50% or less at fault, and the other vehicle is identified. That means you will not be covered if you are at fault, or if your vehicle is damaged in a hit and run.
What is the minimum required collision coverage in MA?
There are three basic types of collision coverage: limited, standard and broad form.
What are the three types of collision coverage?
You may also be required to buy collision and comprehensive coverage if you have a loan on the car. Other Optional Coverages: Automobile insurers may offer additional optional coverages that you may want.