Category Archives: Auto Insurance

Characteristics That Affect Your Auto Insurance Rates In MA

There are a plethora of factors that determine the rates that Massachusetts drivers are required to pay in order to insure their personal vehicles. That being stated, there are just as many myths that surround this hot button topic. So we decided to separate the facts from the fiction in order to provide you with a better understanding of how the system works. Our goal is to explain the factors that determine why you are paying more or less for auto insurance than your family, friends, neighbors, and co-workers.

So without further ado, the following information will teach you all about the characteristics that affect your auto insurance rates in MA, and some myths that have absolutely zero impact.

Does The Make, Model, And Year Of Your Vehicle Determine The Auto Insurance Rate?

The answer to this questions is YES. It is a true fact that the make, model, and year of your vehicle goes a long way in determining your auto insurance rate. Cars, trucks, and sports utility vehicles are assigned a safety rating. The safety rating determines the chances of the vehicle getting into a serious accident, and the insurance companies take this into account. For example, automobiles with higher safety ratings have lower insurance premiums than automobiles with lower safety ratings.

In addition, your vehicle’s year, make, and model have a direct impact on its value. If your auto insurance policy includes comprehensive and collision coverage than the dollar amount of protection that these coverage’s provide is typically set to be equal with the value of your car, truck, or SUV.

Does The Color Of Your Vehicle Determine The Auto Insurance Rate?

The answer to this question is NO. Although a great deal of drivers are under the false impression that the color of their automobile helps to determine the price that they are required to pay for insurance, nothing could be further from the truth. Most likely this myth was formulated due to the fact that certain colors are more noticeable to police officers when moving down the road. For example, if you drive a brightly colored vehicle, particularly red, than you may be at more risk of a speeding ticket than someone that drives a white automobile.

Does Your Driving Habits Determine The Auto Insurance Rate?

The answer to this questions is YES, YES, and YES. Your driving habits have an enormous impact on how much you pay for auto insurance. In fact, your driving habits affect the premiums in multiple ways. For example, automobile insurance underwriters consider whether or not you have moving violations, if you have been in any accidents, and how many miles you drive on average per year. The majority of drivers are aware that negative driving records increase insurance rates.

In MA, each moving violation increases your auto insurance premium for seven (7) years. That means speeding tickets end up costing a lot more money than the initial fine. The good news is that your driving habits do not necessary have to affect your auto insurance premiums in a negative way. Many insurance companies are now utilizing advances in technology to develop devices that track how quickly you accelerate, how long it takes you to slow down, and how far you drive each day.

If you happen to be a cautious driver, the device will help to verify your good driving habits. Your insurer may even offer you discounts on the policy based on this information.

Does Your Credit Score Determine The Auto Insurance Rate?

In most states across the country, insurance companies can and typically do consider credit scores when calculating auto insurance premiums. That means having a low credit score or no credit can significant increase the policy rates. The good news is that the Commonwealth of MA has banned this practice, so the answer to this question is NO. If you live in MA, your credit score will not impact your auto insurance premium.

Please call (508) 831-0133 to contact an associate at Zawada Insurance to walk you through the details of your auto insurance policy and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.

Should your insurance coverage change during the spring?

With the onset of spring comes various business changes that may include new business ventures and projects. However, the season also comes with its own challenges, excess water being one of them. The volatile spring weather could be dangerous for you and your business. Consequently, ensuring you have insurance protection could go a long way in shielding you from financial losses in case of a natural disaster. Here are some tips to help you to remain safe and secure during the upcoming spring months.

  1. Floods

Flood insurance cost does not compare to the costs that flood damages can cause. The average flood damage when it happens is $39,000 while flood insurance is only about $700 per annum. These figures show that regardless of whether you are a homeowner or a business owner, having proper flood insurance coverage is crucial.

  1. Wet weather increases chances of injury

During wet weather, cases of slips and falls increase significantly. Employees involved in outdoor activities such as maintenance and cleanup are also exposed to similar risks. During these accidents, you and your employees may get injured and some goods may also be destroyed in the process. Due to the rise in your insurance liability risks, you should ensure you have the necessary insurance coverage during this time.

  1. Increase in traffic and road accidents

During the spring break there are far more travelers and with that comes an increased risk of accidents. Motorcycles are at a higher risk as its one of the best seasons to hit the road and enjoy the weather again. New England weather means sunny one minute and rain the next which can cause some dangerous driving conditions. Did you know that in 2016 alone 13% of traffic fatalities were motorcyclists? When spring is in the air, motorcycles are everywhere, and so in an increased risk for everyone, so making sure your covered is crucial.

  1. Spring comes with increased activities

If you own a business, spring could be one of the best times to expand. With business expansion, there is also an increase in customers and an increase in business additions. Ensure your insurance covers every new thing that you have added to your business. If you purchased new vehicles and equipment, ensure you have updated your insurance to cover for the changes in your risk profile. Check your general liability insurance to ensure all the new risks or tasks are covered.

If you are unsure how you need to go about adjusting your insurance during the spring, feel free to contact us. We will gather all the necessary data and information about the risks to determine the insurance packages that you need. Since 1989, we have provided our clients with quality personal and business insurance products at Zawada Insurance Agency Inc. We will help you to avoid any claims against you or your business by getting you insured.

Flooding and Auto Insurance: What You Should Know to Protect Your Car

Better to be safe than sorry. This is the best rule of thumb when it comes to flooding and auto insurance. During a season of heavy rains, unpredictable storms and rising lakes and rivers, you’ll want to make sure you’re covered in the event your car is damaged by floods.

Comprehensive coverage is the way to go        

If you live in a high-risk flood zone, and even if you don’t, you should choose comprehensive coverage in your auto insurance policy. Remember, your auto insurance doesn’t automatically come with this coverage; you have to get it additionally. Think of comprehensive coverage as the type of coverage that doesn’t involve accidents with other vehicles. Comprehensive coverage protects you from acts of nature beyond your control, and if your car should get stolen. When you make a comprehensive coverage claim, you don’t have to worry about your insurance premiums going up the way they can after a collision coverage claim.

When to get comprehensive coverage

You should get it right from the start. For instance, if you live in a hurricane-prone area, and a hurricane is coming your way, you will likely be denied coverage if you want until a storm is forecasted. You should get the coverage right away just in case.

Imagine you’re driving down the road, and the road ahead suddenly becomes flooded. You’re unable to go any other way. For safety reasons, you may need to abandon your vehicle. If the road is still drivable, you might forge ahead, only to have your car damaged by flood water. You’ll need to pay your deductible, then be covered for repairs or if the car is a total loss.

When NOT to get comprehensive coverage

This is entirely up to you. Some people prefer the peace of mind of knowing their car is protected. However, if you drive a much older car and it costs less to replace it if it’s a total loss, you may consider dropping this type of coverage. Again, that’s your call.

What to know about flood claims

When it comes to flood claims, the sooner you call the better. You should alert your insurance company right after a catastrophic event has occurred. This accomplishes two things: first, your claim will be processed much sooner. Second, insurance companies are more likely to cover you in the event of something sudden. If too much time has passed, you could be suspected of basic neglect, which is never covered.

What to do about the damage to your car

You should have professionals dry out your car as soon as possible. This will reduce the risk of a total loss. Make sure you take your car to your insurance company’s preferred repair shop.

For more information on which auto insurance is right for you, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

A Winter Nuisance That Can Become a Real Danger

Windshield Safety

It’s something you never think about until you need it or it fails to work. You’re driving down the road, drizzling rain or sleet rushing toward your windshield, and you pass a truck that sprays a mix of moisture and mud all over your field of vision. You push the lever for your windshield wiper fluid to come out and it doesn’t. This poses a real safety hazard, and you must pull over immediately, if possible, to clean it manually. What can cause your fluid to fail? And what can you do about it?

First things first. You should check under the hood to the container where the wiper fluid is stored. Check first to make sure you haven’t run out of it. If you have, it’s an easy fix. Most all gas stations carry wiper fluid, and you can refill it yourself without having to go to a mechanic. If the fluid container is full, or there’s an adequate amount, check for other causes.

When Windshield Wiper Fluid Freezes

In the winter, the cause of the fluid not coming out is usually because it’s frozen. Many washer fluids will freeze at any temperature below freezing, which is 32 degrees. If you are in a steady period of snow storms and below freezing temperatures, you may find this problem particularly troublesome. If you live in an area like New England, where these weather conditions can last for months, it’s in your best interest to get a washer fluid antifreeze. These are available in a variety of formulas with varying freezing points. The reason the washer fluid antifreeze works is because it contains ethanol, methanol or other alcohol mixed with water.

A Word about Washer Fluid

Note: If you’ve had washer fluid with methanol sitting in your garage or under a hot car hood, there may be a chance that some of the alcohol will evaporate, possibly making the freezing temperature higher than advertised on the bottle. You’d need to empty out what’s left of the old fluid and put some fresh fluid in there to be sure you’re ready for winter.

How to Unblock the Washer Jets

If it doesn’t appear that the fluid is frozen, check the nozzles where the fluid comes out. Sometimes something as simple as a safety pin can work to dislodge any ice or debris that may be preventing the fluid from squirting out.  If the ice is wedged deeply in there, try a hair dryer if you can get close enough to an outlet. Sometimes the jet nozzles just need a little thawing out!

If you know that your washer fluid has frozen, you could be at risk for the container or the pump that pushes the fluid out to be cracked. In the event that this happens, you’ll need to see a mechanic to replace your washer fluid system or whatever the damaged part is.

When the Washer Fluid System Doesn’t Work

You may need a mechanic if you’re not comfortable fixing this yourself. But if it isn’t the washer fluid, there could be a blockage in the line underneath the hood. Or there could be some kind of damage to the pump.

Whatever the case may be, make sure you have a fully working windshield washer system. It’s an important safety feature all year long, but especially during a season when there can so easily be precipitation and other obstructions to your vision.

Good luck and safe travels!

For information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

The 12 Most Popular Auto Insurance Questions Answered

Get the Facts about Auto Insurance

Auto insurance is necessary, no matter what state you live in. To find out what is required in your particular state, you need to visit their transportation website to learn exact coverages. In Massachusetts, you can find out what is required here.

Below we’ve compiled the top 12 most popular questions people have about auto insurance, so you can make informed choices about your coverage and more.

  1. What types of coverages should I have?

Most auto insurance policies offer coverages such as Comprehensive, Liability, Property Damage, and Collision Coverage.

  1. What is a deductible?

The deductible is the amount of money you pay after you have an accident before your insurance company pays the remaining charges.

  1. How can I keep my car insurance costs low?

You can’t always control everything, but there are certain things you can check for that may help to lower your costs. First of all, make sure you have a car with updated safety features. Also, make sure your insurance company knows if you work from home or have a short commute to work. The less time you spend in the car, the lower your risks.

  1. How many people can I put on my car insurance policy?

You can put as many as you’d like, but they must be members of your household, all living at the same address.

  1. What if I want to change my coverage? How can I do that?

You can always change your coverage or insurance carrier at any time. However, it’s best to wait until the end of your policy to avoid a cancellation fee.

  1. Are there any situations in which I could be denied coverage?

Yes. If your driving history includes a major accident, a DUI, or if you have bad credit—all of these factors could cause an insurance company to deny you coverage.

  1. Does my gender affect my insurance premium rates?

Yes it does. Sorry, guys, but studies have shown that males generally get into more accidents. So males pay bigger premiums.

  1. If I’m driving someone else’s car and have an accident, who pays?

The insurance of the person who owns the car would pay. Then you would have to pay any remaining costs.

  1. Will auto insurance replace my car if it gets stolen?

A stolen car can be replaced only if you have comprehensive coverage.

  1. If I forget to pay my premium, will I lose my coverage?

Not necessarily. If you forget once, they’ll probably send you a warning. If you frequently don’t pay, your coverage will likely be canceled.

  1. If my garage burns down with my car in it, will my car insurance pay for it?

No. Your Homeowners Policy would cover that type of event.

  1. If I don’t have auto insurance, and I’m in an accident, what will happen?

If you don’t have insurance, you could be sued, which could result in the loss of your entire life savings. You could also serve jail time. So it’s better to be insured than not!

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

New Year, New Insurance

How to Get Lower Rates on Your Insurance

As the New Year approaches, one of your resolutions may be to find more ways to save money. You can do this by rethinking your insurance policies. It’s always a good idea to do an annual insurance review, because you might discover that you could be eligible for discounts and other savings that you aren’t currently taking advantage of!

For example, if you have an older car, you may have had the same car insurance for years. But did you know that your rates could be lowered based on any changes that have happened recently? For instance, if you changed jobs and don’t commute as far, that can affect how much you pay. And most likely, it will reduce the cost.

More Ways to Save on Homeowners Insurance

Also, you might be eligible for discounts to your Homeowners Insurance if you recently installed a security system or quit smoking. If you started bundling all of your insurance policies with one company, they’ll most likely give you discounts for that, too.

How to Do an Annual Insurance Review

Take time before the New Year to collect all of your insurance policies, whether it’s home, auto, renter’s, motorcycle, etc. Usually you can find the basic information on the summary page of your policy. Here’s what to look for: the amount of coverage, your premium costs and your deductible. Keep in mind, if you want to lower your premiums, you’ll be raising your deductible. First, you should make sure you can afford the deductible amount if you have to make a claim.

Could You Rebuild Your Home If You Had To?

This is an important question when you’re reevaluating your home insurance. The reality is, construction costs could be much higher than when you first took out your insurance policy. Also, remember that insurance companies will tell you that if something major needs to be replaced, it will be replaced with something of “like kind and quality.” Your kitchen may still look like the 1980s. If you needed to upgrade your kitchen with more contemporary cabinetry and appliances, you’ll need to be able to cover that cost.

Did You Purchase Valuable Items?

In the past year, you may have purchased jewelry or other very valuable items that you may not have extra coverage for. Do an inventory to make sure you haven’t forgotten that priceless painting! If you discover that you did buy something like that, you’ll need to increase your coverage for “personal possessions.”

Is Your Home More Likely to Flood?

When you purchased your house, it may not have been in a flood zone at the time. But in recent

years, have you had more damaging storms and repeated flooding in your basement? It may be time to consider getting flood insurance, even if it wasn’t required.

What Umbrella Insurance Can Do for You

Last but not least, consider umbrella insurance. It’s a low-cost way to get extra protection for things like your retirement fund, investments and any future income, which may all be lost as the result of a lawsuit. Many people don’t think about liability coverage until it’s too late. So umbrella insurance will help protect you above and beyond your standard home and auto insurance coverage.

For all your home, auto and other insurance needs, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Best Ways to Save on Car Insurance

You’re getting ready to purchase a new car. There’s excitement in the air as you scan the showroom with all the brand new models. . . While haggling with the dealership may be stressful, you don’t want any surprises when you purchase insurance for your new car. Some new car owners are shocked at the hike in their insurance rates because of the car they just purchased. So make sure you’re well-informed before you buy.

Try to keep your premium low.

When you buy insurance, you will have a deductible that can range from $300 to $1,000. Remember, the higher your deductible, the lower your premium. You should, of course, choose a deductible that best fits your budget.

Don’t assume an older car will mean cheaper insurance. 

Some new car owners think that if they get an older model, or a used car, their insurance rates will be lower than a newer model. This isn’t always the case. Older cars are more attractive to car thieves because they can easily sell the parts, so there is still a risk, as with everything. If you get a manual shift, your car is less likely to be stolen because more people know how to drive an automatic transmission.

Check your credit score.

Before you go car shopping, hopefully, you will have checked your credit. This gives you a lot of leverage, not only with the dealer, but with your insurance carrier as well. Those who have good credit are perceived as being more responsible and less likely to get into accidents. Whether or not this is true remains to be seen, but it’s the assumption that is made.

Buy when your driving history is good.

If you’ve recently had a lot of accidents, or even traffic tickets, these will affect your insurance rates. On the upside, not all mishaps are treated equally in the eyes of insurance carriers. Sometimes, timing is everything. For example, if you were found at fault in an accident that happened three to five years ago, it will less likely be a determining factor in how much you pay.

Get as many safety features included in your car as possible.

Insurance companies look favorably on cars that have extra security features, such as a back-up camera to help you see better when you’re pulling out of a parking space. Other features may include driver- and passenger-side airbags, daytime running lights, automatic seat belts, anti-lock brakes, and extra signal lights on your side mirrors. Anti-lock brakes are especially important in places like New England, to help prevent skidding in the snow and ice. All of these “extra” safety features can help to reduce accidents.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Home and Auto Insurance Surprises

When shopping for insurance, it can get pretty confusing. Some policies have so much fine print you may not be sure what you’re getting. Here are some of the most common truths that surprise people when they get insurance. Make sure you have all of the facts, so you won’t be surprised!

You’re not automatically protected from Mother Nature.

Many Homeowner’s Insurance policies don’t automatically cover things like flood, earthquake and other natural disasters. So make sure you’re covered for these things.

You may not get top dollar for your home in the event of a disaster.

Your Homeowner’s Insurance will be based on what it would cost to rebuild your home, NOT on the real estate market value of your house. These costs vary, so check with your insurance agent.

Auto Insurance doesn’t cover tractors.

Homeowner’s Insurance covers things like tractors, garden equipment and storage sheds. In fact, it covers things that aren’t necessarily attached to your home—a detached garage, patio, fence, etc.

Cars with automatic transmission are more likely to be stolen.

More Americans don’t know how to drive a manual, or stick, shift. That’s why automatic cars are more appealing to would-be thieves.

If you buy a home out in the country, you could be paying more for insurance.

Insurance companies like to know that your house is in a safe location, not far from a fire department or neighbors who can lend a hand if something goes wrong. That’s why, if you live in a remote area, your costs tend to go up.

Older homes equal higher insurance rates.

Insurance is all about risks—assessing whether your risks are high or low. If you choose to buy an older home, it’s assumed the plumbing may be old, the roof may be about to give out. But if you want to buy an older home, there are things you can do to lower your costs. Make sure the electrical is updated, as well as the pipes, to reduce the chances of accidents. And if necessary, install a new roof.

Comprehensive Auto Insurance doesn’t cover everything.

Comprehensive Auto Insurance pays for events besides collisions. These include fire, theft, vandalism, weather and accidents involving animals. It does NOT cover personal property. For instance, if your laptop is crushed in an accident, you’ll need Homeowner’s Insurance to cover it.

Auto Insurance carriers factor in many things when determining rates.

It isn’t just about the age of the driver and driving history. When you purchase a new car, insurance  companies look at the age of the car, make, model, engine size and whether or not there are any special safety features in the car. They also factor in the amount you drive per day.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on every kind of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Getting Spiders Out of Your Car

Prevent Auto Accidents Now!

Warmer weather means different types of hazards on the road. Some can be quite unexpected—and the results can be disastrous. Maybe it’s happened to you. You’re driving down the road and all of a sudden, a spider drops on your head! This may cause you to swerve into oncoming traffic, a ditch, or something that can result in a serious accident.

The Facts about Accidents Caused by Spiders and Insects

It happens more often than you think. According to CNN, in Oregon, a driver flipped over when a spider came down from the rearview mirror. In North Dakota, some kind of insect flew into the window of a truck, and as the driver tried to get it out, the truck overturned. It was carrying parts for rocket engines! Luckily, both drivers survived these accidents.

In fact, thousands of accidents every year are caused by spiders and insects, resulting in approximately $44 million in damages to vehicles.

Do You Have Spiders Living in Your Car?

It’s not uncommon for you to see a web attached to one or both of your side view mirrors, especially if you live in an area with a lot of trees, and you park your car outside in a driveway and not in a garage. If you’ve seen webs outside—and inside—your car, it could mean that there’s a spider infestation in your car.

Why should this concern you? If you’re one of those people who can brush off a spider while driving and go about your merry way, that’s great. But did you know that in the western world, approximately 73 percent of people have some fear of spiders? In the United States, more than 30.5 percent of people have an intense fear of them, which is known as arachnophobia. If you’re one of these people, encountering a spider while driving could mean a serious accident like the ones mentioned above.

Keeping Spiders Out of Your Car

Prevention is better than having to evict an unwanted hitchhiker. Remember, spiders like enclosed places, preferably with some dirt and clutter. So keep your car clean! Vacuum it regularly and don’t let trash pile up inside. Spiders tend to hide behind the side view mirror because there’s a little enclosure there. Spraying (see some treatments below) around that area is a good idea. They also gravitate toward the space where the hood of the car meets the windshield, where leaves and twigs gather. So clean that area out. Once spiders inhabit your car, they can also get into the vents, and some can even cause trouble in your engine. Some auto makers have taken steps to prevent this, but it’s better to be proactive so you won’t have unnecessary car repair costs.

Getting Rid of Spiders in Your Car

If you know you already have a problem, you’ll need to take action. It may interest you to know that spiders do not like the smell of citrus, particularly lemon. If you can rub some lemon rind around your side view mirrors, this is an excellent deterrent. However, make sure none of the lemon juice runs down the side of your car, because you don’t want to damage the paint work. Spiders also do not like eucalyptus oil. It’s been said that they don’t like peppermint oil, but some people have tried that and still had webs on their car the next day, while their car smelled like peppermint. So we’ll leave that one up to you.

You could also use sprays that contain poison. But you may want to try some of the natural alternatives first, so you won’t be inhaling the poison next time you go for a drive.

Freak Accidents

A spider frightening a driver would be considered the cause of a freak accident. It falls into the category of “freak accident” because it’s something unforeseen. It’s similar to a health condition, like a seizure or heart attack, happening while you’re driving. It can’t always be prevented. But now that we are in the spring and summer months, spider issues, among others, are one of those unexpected road hazards that can be prevented. So follow the above tips, and have safe travels!

And keep checking our blog for more interesting tips and ways to keep your insurance costs down!

Contact Zawada Insurance Agency for all of your auto, home, boat and other insurance needs.  Contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

What is Covered in a Basic Auto Insurance Policy?

Types of Coverage You Should Expect to Have

When you purchase your first car, or buy a new one, the next step is getting car insurance. If you plan on choosing a basic policy, there are certain coverages that policy should include. We’ll take a look at some of them here.

A Word about Deductibles

When you buy insurance, you will have a deductible that can range from $300 to $1,000. Remember, the higher your deductible, the lower your premium. You should, of course, choose a deductible that best fits your budget.

Comprehensive Coverage

This type of coverage will reimburse you for loss of your vehicle. The circumstances may include theft, fire, earthquake, falling objects, floods, even severe damage caused by animals or riots. Many people don’t know it, but this coverage also takes care of a cracked windshield, too.

Personal Injury Protection

This is the one most drivers are concerned with when they get into an accident. Personal Injury will cover your medical costs, including any lost wages while you are in the hospital after an accident. It will also cover the passengers in the policyholder’s car at the time of the accident. If necessary, it will even cover funeral costs.

Bodily Injury Liability

This is the next most important one if you are involved in an accident. Bodily Injury will pay the cost if you are responsible for injuring someone else in an accident. It’s always a good idea to get more of this type of coverage than what your state requires, in case the injured party decides to sue you. Legal costs can be devastating if you don’t have enough of this kind of coverage.


This coverage pays for the cost of repairing damage to your car after you collide with another car. If the accident is your fault, your insurance company will reimburse you for any repair costs after the deductible. If it is not your fault, your insurance company may try to get back the money they paid you from the other driver’s insurance company. If they are successful, you may also be reimbursed for the deductible. This deductible can range anywhere from $250 to $1,000.  Did you know that Collision coverage will also cover repair costs from damage caused by driving over potholes?

Uninsured and Underinsured Motorist Coverage

If someone hits you and they are not insured or don’t have enough insurance to cover a total loss, and the accident is their fault, this coverage will reimburse you for the cost. It also covers you if there is a hit-and-run driver OR if you get hit by a car as a pedestrian.

Property Damage Liability

This will cover any damage you cause to another car or structure, including a telephone pole, fence, house, etc. It will also cover you if someone is driving your car with your permission.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.