Your personal MA auto policy can include Collision coverage for damage to your vehicle in a crash or by an upset, such as rolling over.
Other than collision coverage – also called Comprehensive Coverage – protects against the things that can happen to your car when you’re not in a crash, such as:
- Broken Glass
- Damage caused by missiles or falling objects
- Fire
- Theft
- Vandalism
- Explosion
- Earthquake
- Windstorm
- Hail
- Water, or flood damage
- Riot
- Contact with bird or other animal.
Comprehensive coverage is certainly worth having unless you drive a real clunker. If your car has little value, it’s probably not even worth it to carry Collision coverage, even though the premium may be low. Full Comprehensive Insurance Coverage in Massachusetts includes, first dollar, or “free” glass coverage.
You’d be better off spending those premium dollars on higher Liability limits.