What if my personal injury damages exceed the policy limits of the driver who hit me?

This is a common scenario. The driver who caused your Massachusetts motor vehicle accident only has $20k in liability protection. But, suppose your damages (medical bills, lost wages, pain and suffering) exceed $20k. In that event you must make an underinsured claim with your auto insurance carrier. The minimum amount you must have in Massachusetts for underinsurance is $20k. But, your underinsurance coverage only kicks in if it exceeds the amount of the liability policy limit of the at-fault driver. Therefore, purchase as much underinsurance coverage as you can afford. If can make a world of a difference and protects you when you most need it.

McNeill Family

Finck & Perras gains local customer’s trust

The Problem: Customer was looking for a local insurance agent she could count on.

How We Helped

You won't find a better insurance team . . . anywhere

Come experience why we've been voted the best insurance agency in the valley seven years running! Low rates, personal service and a commitment to giving back to the community that is unsurpassed.

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An Independent Insurance Agency

Being an independent broker means we can search many companies to find you the coverage that best fits your needs. Here are some of the companies we regularly work with.

All Carriers

Your insurance policy and things to know when planning a backyard wedding.

We often get calls from our customers asking, “Will our homeowners policy cover us if we have a backyard wedding?”

Help! I have a claim and it is after normal business hours!

Who do I call after hours for a claim?

Finck & Perras gives to the community

Gen gives a brief summary of donations to the community in 2017.

Easthampton Office
6 Campus Lane
Easthampton, MA 01027
p: 413.527.3000
f: 413.527.5970
Florence Office
63 Main Street
Florence, MA 01062
p: 413.584.1970
f: 413.584.2438
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