Whether you've been in automobile accidents before or you're just trying to purchase a policy that suits your needs, you're bound to have questions about what exactly is covered. Will my car repairs be covered if I'm in an accident? Who will pay for my medical bills if I'm in an accident? If I was in an accident that was someone else's fault, whose insurance company will pick up the bill? What if I'm hit by another car that doesn't have insurance? These are just a few of the questions that you should be thinking about both before and after you get in an accident.

The first important thing to know about automobile accidents and automobile insurance in Massachusetts is that all the policies are the same. Regardless of who sells you your automobile insurance, there are the same, standard parts of each policy. First, there are four compulsory parts of automobile insurance. You have no choice; you have to buy these four parts. Then, there are eight optional parts. While it's possible to not buy any of these eight parts, it will leave major gaps in your coverage. This is why many choose to go with the optional coverage.

This series will first explain the four main compulsory parts of the standard automobile insurance policy with broad strokes. Many of these topics have voluminous books written on them and could take up a whole blog themselves. After discussing those four parts, I will discuss the optional portions of the automobile insurance policy. Again, I will use broad strokes at first, as there are many other issues that just cannot be address in this forum.

Hopefully this series will be informative both to those looking for the right coverage, and those who have questions after an accident. As always, please leave comments with suggestions, ideas, or anything else that could add to the discussion.