Middlesex Auto Insurance Review

In spite of car insurance being mandatory requirement for every car owner, not all auto insurance companies and types of auto insurance are made equally. Car insurance providers should give their policyholders quick response to basic towing requirements, and auto rental choices and services even while they wait for repair on their cars.

The repairs themselves must be facilitated quickly as well as smoothly, with minimal to no hold ups on the side of the insurance provider for claim evaluation or approval.  Enter your ZIP code into our FREE quote comparison tool and start saving big today!

The Middlesex Mutual Assurance Company issues and underwrites automobile insurance policies through MiddleOak.

This review is therefore concentrated on MiddleOak, Middletown, Connecticut, but covers the following States:

• Connecticut
• Maine
• Massachusetts
• New Hampshire
• New York
• Rhode Island
• Vermont

Private Passenger Automobile Insurance

MiddleOak Insurance owns and operates Middlesex Mutual Assurance Company, which, along with Holyoke Mutual Assurance Company is a full subsidiary. MiddleOak has been in operation since 1896.

MiddleOak offers affordable auto insurance. However, it offers a wide range of cover, including:

• Collision – Collision pays the cost of repairing your car or replacement at its market value, whether or not you are at fault. A deductible applies to this coverage.
• Comprehensive – Comprehensive pays for damage to your car not caused by a collision, for example, a fire, theft, storm damage, or an animal hitting your car. A deductible also applies to this coverage.
• Glass Breakage – Glass Breakage pays for replacement of cracked glass, irrespective of cause.
• Liability Coverage – Liability Coverage is a requirement of all States and covers you and members of your household for any damage to person or property of other parties. Damage or injury caused by someone using your car with you permission is also covered.
• Medical Payments Coverage– Medical Payments Coverage pays the medical bills of you and any other person in your car, injured in an auto accident, irrespective of fault.
• Rental Reimbursement – Rental Reimbursement pays for the rental of a car whilst yours is being repaired, either because of an accident, or of theft.
• Reparation Benefits – Reparation Benefits pays for loss of earned income and medical expenses (with limitations) due to an injury received in an auto accident, or in the case of death caused by an auto accident, pays funeral expenses.
• Towing – Towing pays for the transporting of your vehicle, which is not covered under the Collision Insurance.
• Uninsured- and Under insured Motorist Cover – This cover pays the medical bills of you and the passengers in your car, in the event that the accident is caused by the other driver, who has no, or inadequate, liability insurance to cover them. You are covered also in the event of a hit-and-run accident.

Middlesex Auto Insurance – Coverage for Obtaining (OEM)

Further, the MiddleOak Insurance Company will provide coverage for obtaining original equipment manufacturers (OEM) parts for the repair of your vehicle, thus ensuring that only OEM parts will be used. This is written into every policy issued by MiddleOak.

It would appear that MiddleOak offers full protection for vehicles and household members, providing bodily injury and property damage cover for an incident caused by another automobile.

Their prime cover is for claims filed against the insured and family members whilst operating an insured vehicle. Furthermore, the family vehicles and insured family are covered for damage.  Start saving BIG by entering your ZIP code into our FREE quote comparison tool!!

MiddleOak does not appear in the statistics of A.M. Best Company Inc. , but has been trading for over 150 years, so appears well established. Like many automobile insurance companies, MiddleOak uses agents to meet their clients, talk over the options, and sell them the policy. For further information, or to meet an agent, it will be worth it if you look at their website.