Boje Insurance

Boje Insurance
Contact Information
288 Cummins Hwy , Roslindale, Massachusetts 02131
Detailed Information

Knowledge is one of the most powerful weapons a person can possess and knowing the true facts about insurance even better. Here is some general information for you to digest.

Coverages You Must Have

Compulsory Insurance

  • Bodily Injury to Others: pays for damages (e.g. medical expwnses, pain and suffering) to anyone injured or killed by your car only in an accident that occurs in Massachusetts, up to a basic limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered under this Part. For more details, please contact one of our Agents.
  • Personal Injury Protection (PIP): pays up to $8,000 to you or anyone you let drive your car, anyone living in your household, passengers and pedestrians, no matter who causes the accident. Personal Injury Protection pays for medical expenses, replacement services and 75% of any lost wages. For more details, please contact one of our Agents.
  • Bodily Injury Caused By An Uninsured Auto: protects you, anyone you let drive your car, household members and passengers (unless covered by another Massachusetts Policy with similar coverage) against losses caused by an uninsured or unidentified (“hit and run”) driver. A minimum limit of $20,000 per person and $40,000 per accident is required. This coverage does not pay for property damage or damage to your auto.
  • Damage to Someone Else’s Property: pays for damage to another person’s property and costs associated with the loss of use of that property, when you, a household member or another authorized driver cause an accident. A minimum limit of $5,000 is required

Optional Insurance

  • Optional Bodily Injury to others: extends your liability protection (the basic $20,000/$40,000 limits under Bodily Injury to Others) up to the amount you purchase under this part. This option provides coverage for accidents beyond Massachusetts to anywhere in the United States, its territories or possessions, or Canada. This coverage also pays for damages suffered by guests in your auto. For more details, please contact one of our Agents.
  • Medical Payments: covers medical expenses for you, your household members and passengers, over and above amounts covered by Personal Injury Protection no matter who caused the accident. The minimum amount you can buy is $5,000 if insuring an automobile and $500 if insuring a motorcycle.
  • Collision: pays for collision damage to your car, less any applicable deductible, no matter who causes the accident. If your car is financed, your lender may require this coverage as well as a particular deductible amount. For more details, please contact one of our Agents.
  • Limited Collision: also pays for collision damage to your car. You must not be more than 50% at fault and the owner of the vehicle must be identified.
  • Comprehensive: pays for damage to or loss of your car, less any applicable deductible, resulting from perils such as fire, theft, vandalism, and striking an animal, but not collision. This coverage allows up to $15 a day (to a limit of $450) for substitute transportation (rental or other transportation costs including taxi, bus and train fare) until your stolen auto is recovered. For more details, please contact one of our Agents.
  • Substitute Transportation: reimburses up to $15 a day for car rental or transportation costs including taxi, bus and train fare (up to $450), while your car is undergoing collision or covered repairs. Coverage of up to $100 a day (up to a limit of $3,000) is available for an additional cost.
  • Towing and Labor: pays up to $50 for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on-site labor costs at the breakdown site (not any parts) needed to get your car running again. Coverage of up to $100 per disablement is available for additional cost.
  • Bodily Injury Caused By An Underinsured Auto: pays for bodily injury damages to you, household members and passengers, unless they have a policy of their own, or are covered by a Massachusetts auto policy of another household member with similar coverage. The accident must be caused by someone without enough bodily injury coverage. For more details, please contact one of our Agents.

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