Daniel N. O'Rourke Insurance Agency INC.

Auto Insurance
Commerce Insurance
Safety Insurance

Automobile Insurance
Protection for Yourself, Your Family, and Your Cars
The Massachusetts Automobile Policy is actually made up of 12 parts. The first four parts listed below are required based on Massachusetts law and are referred to as Compulsory Insurance. The remainder are Optional Insurance, and are not required by law. However, these coverage's provide additional insurance protection at a reasonable price.

A brief explanation of each coverage part is listed below. For a complete explanation, please review your policy or call us to directly.

Bodily Injury to Others (required)

Covers injuries to someone else resulting from a Massachusetts accident.

Personal Injury Protection (required)

The benefits under this part are commonly known as 'PIP' or 'No-Fault' benefits. PIP benefits include medical expenses, lost wages, and replacement cost services.

Bodily Injury Caused by an Uninsured Auto (required)

This coverage pays damages for bodily injury resulting from certain accidents caused by uninsured or hit-and-run autos.

Damage to Someone Else's Property (required)

This coverage pays for damages to someone else whose auto or other property is damaged in an accident.

Optional Bodily Injury to Others

This coverage pays for damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. Unlike the Compulsory part, this coverage does provide coverage for injuries to guest occupants and for accidents occurring outside of Massachusetts.

Medical Payments

This coverage pays for reasonable expenses for necessary medical and funeral services to yourself and your passengers incurred as the result of an accident.

Collision

This coverage pays for any direct and accidental damage to your auto caused by a collision.

Limited Collision

This coverage will pay in some situations for direct and accidental damage to your auto caused by a collision. Coverage is only provided for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault.

Comprehensive

Under this coverage we will pay for direct and accidental damage to, or loss of your auto, other than damage caused by a collision.

Substitute Transportation

This coverage reimburses you, up to the limits shown on the declaration page, in certain situations if your auto was in a collision and is being repaired or replaced.
Coverage is provided if your auto cannot be used because of damage or loss, including theft, that is covered under Comprehensive.

Towing and Labor

This coverage pays for towing and labor costs, up to the limit shown on the declaration page, incurred each time your auto is disabled.

Bodily Injury Caused By An Underinsured Auto

This coverage pays for damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.

Billing
Claims
Quotes

BILLING QUESTIONS/CUSTOMER SERVICE EMAIL
[email protected].
Please be sure to indicate your policy number and contact information in your email.

Customer Service is available Monday through Friday from 8:00 a.m. to 6:00 p.m. EST

MASSACHUSETTS                                                           NEW HAMPSHIRE
Payment and Billing Information                                       Payment and Billing Information
1-800-922-8276                                                               1-800-513-4813

Automated Account Information is available 7 days a week, 24 hours a day, with the exception of system maintenance Sunday from 9:00 p.m. to Monday 4:00 a.m

Online Billing Access - Commerce

Billing options, discounts & fees:
Billing Options:

Installment Plan: 11 monthly bills by mail. 10% down upon renewal for existing customers, 20% down for new customers)

Billing Discounts:

Paid-In-Full discount = 5% off
Green Discount =3%

To be eligible, you must create a *free Commerce Cares account:
Commerce Cares (online billing access)) and choose the “paperless” billing option

Paperless Billing Options:

EFT (Electronic Funds Transfer)

This option will allow Commerce to is automatically withdraw your monthly payments directly from your checking account. It’s a paperless option. A completed EFT app (see PDF) & “voided check” must be submitted to either Commerce or Daniel N. O’Rourke Insurance Agency, Inc. Commerce EFT Form

ebill (Electronic Bill)

This option is another paperless billing option. Commerce will email you your monthly invoices and you can pay them via your free commerce cares account directly on Commerce's’s web site: Commerce Cares (online billing access)

Billing Fees’s