Find Your Future in East Longmeadow
From its roots as an oversized parcel of pastureland during the colonial period of American history, East Longmeadow has blossomed into a bustling city with a mixture of urban, industrial, and rural elements. This progression through time has led to a multicultural and multi-ethnic, vibrant community that has plans to continue evolving and growing. Even with all the life and excitement that comes from nearby Springfield, the citizens of East Longmeadow enjoy a small-town feel and lifestyle.
Many citizens find a place for themselves in the town, as there is something for every age and background. For those who love the outdoors, Heritage Park is the place to go for a relaxing afternoon. There is a great bike trail, and plenty of restaurants and shopping experiences in the heart of town. Families love the excellent school system, and the summer months come alive with outdoor concerts and events that all ages enjoy. As a quintessential small American town, East Longmeadow is a great place to settle down and create an amazing future.
Being just a few hours’ drive from the big cities of New York City, Boston and Hartford, the town attracts a significant number of drivers and traffic. Many local businesses keep residents employed, and nearby Springfield is also a popular destination for both work and play. Whether coming and going for work or trying to keep up with all the events around town, HUB International carries a full range of policies for car insurance in East Longmeadow MA.
Do I Need Car Insurance in East Longmeadow MA?
The state of Massachusetts requires auto coverage for anyone looking to register and drive a vehicle in the state. This is true whether you own a vehicle for personal use or operate as a small business. The policies should list customary operators, but in many cases, more comprehensive coverage will list all licensed drivers who will or may operate your vehicle. In addition to listing the insureds, the state has several required coverage elements and limits. These include:
- Personal injury protection with a minimum of $8,000 for each accident
- Bodily injury to others at $20,000 per individual and $40,000 per accident
- Bodily injury from an uninsured motorist at $20,000 each person and $40,000 per accidents
- Third-party property damage at $5,000 per accident
By working with a HUB broker, you will be fully advised on what is required coverage and what is recommended for car insurance in East Longmeadow MA.
What Are Additional Coverage Concerns?
Simply carrying the minimum requirements for insurance isn’t enough to protect you from the liabilities of operating a vehicle around East Longmeadow. For one thing, small business owners may need to extend their personal auto insurance line into a commercial auto plan. Whether it’s a delivery service, work truck or company car, any accident could jeopardize your company’s finances. The minimum coverage limits may not come close to the expenses of the incident, leaving you to pay out of pocket for the things like medical bills or property repair. Personal insurance lines also have exclusions that may render a policy ineffective with a workplace accident.
In addition to making sure your policy is appropriate for your situation, our HUB brokers will also provide recommendations for the following liability concerns:
- Towing coverage
- Underinsured motorists
- Hired and non-owned commercial exposures
- Physical damage from hail, fire, theft, or vandalism