Personal Injury Protection

While local drivers are required to carry liability coverage, this only pays for injuries to other parties in the event of an accident.  To cover your own injuries and medical costs, though, you need personal injury protection (PIP). And, the experts at O’Connor Insurance Agency can help you determine the proper amount to purchase to protect you and your passengers.

Massachusetts is a “no-fault” state, meaning that it requires all drivers to carry a certain minimum of personal injury protection which will cover you and your passengers, regardless of who caused the accident.  This minimum limit of $8,000 per person, per accident, helps lower premiums and keep down legal costs for less serious injuries by guaranteeing that your own insurance will cover you. (Connecticut does not require PIP coverage but most drivers wisely opt for it in their auto insurance plan.)

Personal injury protection plans typically pay for medical expenses for you, your passengers, and even pedestrians, as well as a portion of lost wages. Many drivers carry limits beyond the required minimum amounts for additional protection. Also, higher deductibles can mean lower monthly premiums but it’s important to choose carefully.  Our agents at O’Connor Insurance can evaluate your situation and help you choose the appropriate limits and deductibles.

Make sure that you and your passengers are covered in the event of an auto accident.  Contact O’Connor Insurance today to speak with one of our agents about the right personal injury protection level for your auto policy.