Auto

Zizza Insurance offers a complete range of auto insurance policies for families and individuals. Consider these coverage features when purchasing your policy:

• Liability
• Medical payments
• Uninsured motorist/Under-insured motorist
• Damage to your auto
• Personal injury protection (No Fault)

If you have an auto accident, the legal costs could be devastating. Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused while driving your car. This coverage applies only if the driver is considered legally responsible for the damage.

Here is a link to the Massachusetts RMV (Registry of Motor Vehicles)

Medical Payments

The medical payments portion of your policy assures that you, your family members and passengers in your car will receive necessary medical and dental services resulting from an auto accident…regardless of who caused the accident.

Uninsured Motorist/Underinsured Motorist

Uninsured motorist coverage will pay for injury expenses incurred should you, your family members or passengers be involved in an accident with an uninsured motorist. This coverage also provides protection for a hit-and-run accident or an accident with a driver who has less insurance than required by law.

Underinsured motorist coverage comes into play when the other driver is found legally responsible for an accident and has coverage, but not enough to cover your injuries. If your coverage limits are higher than those of the at-fault driver, this coverage will absorb the additional expenses.

Damage To Your Auto

Another common loss is the physical damage to your vehicle that can result from an accident. There are two types of physical damage coverages: Collision and Comprehensive.

Collision coverage pays for any damage to your car caused by accidental impact with another vehicle or object or if your vehicle overturns. The maximum amount to be paid is limited to the actual cash value of your vehicle, which is often referred to as the “local market value,” less the collision deductible.

Comprehensive coverage pays for most types of damage to your car resulting from a situation other than a collision. Typical examples include breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with a bird or animal. The maximum amount paid is limited to the actual cash value of your vehicle less the “other than collision” deductible.

Personal Injury Protection (No-Fault)

Your policy will provide no-fault insurance for residents of states where it is required. This means that you, your family and any passengers are covered under your policy regardless of who is responsible for the accident. This coverage includes medical, surgical, dental, hospital, work loss and certain other related expenses. This same coverage extends to you or your family member in an accident as a pedestrian.

Personal Umbrella Insurance

Personal umbrella insurance is low-cost liability coverage that provides an extra measure of security beyond the limits of the liability insurance on auto and homeowners policies. Personal umbrella insurance provides additional limits of coverage if you’re sued for damages suffered by someone as a result of an accident – involving your car, property, or while participating in recreational activities such as boating or golfing. You are especially exposed to the risk of an incident resulting in a lawsuit if you:

• Have a swimming pool
• Have a young driver in your family
• Engage in sporting activities like snow skiing, golf or baseball
• Operate personal watercraft or other high-risk recreational vehicles

Unexpected dangers could be as close as your backyard. And any situation that could result in serious injury, long-term physical impairment, psychological damage or death could put your financial well-being at risk. Examples include:

• Serious auto accidents
• Backyard accidents (swimming pool, hot tub/spa, swing set, trampoline)
• A slander or libel suit
• Recreational pursuits like skiing, golf, boating or horseback riding
• Accidents on your rental property

For a minimal annual investment, you can add personal umbrella coverage to take over where your auto and homeowners coverage ends. Depending on the situation, annual premiums start as low as $200 for additional coverage ranging from $1 million – $5 million.The value of this coverage is extraordinary.