If my car gets hit and I don’t have collision coverage, can Murphy Insurance help? | Auto FAQ

December 18, 2024|Auto Insurance FAQ|auto, auto accident, auto faq, auto insurance, car accident

Yes. This is called a “third-party” claim. While other agents may provide some general advice, they typically won’t help process the paperwork unless you have collision coverage.

At Murphy Insurance, we recognize that paying for collision coverage on an older vehicle may not make financial sense. We respect the decision to eliminate coverage to repair or replace your vehicle if you are responsible for an accident. However, you can still make a claim if another person hits your car and they are found to be at fault. At Murphy Insurance, we’re glad to help by providing guidance and helping you process the paperwork, regardless of whether or not you have collision coverage.

Our Claims Team is ready to assist you if you have a claim situation.

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Please note: This assumes that the situation isn’t a hit-and-run and that you can obtain the third party’s insurance information.

Learn about our Auto Insurance Policies

Auto Insurance
Auto Insurance Auto Quote

Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine.

Read our Auto Collision Blog Posts

Should You Put Your Teen on Your Car Policy or Get Them Their Own

Should You Put Your Teen on Your Car Policy or Get Them Their Own?

Adding a teen driver can significantly increase auto insurance costs. Learn whether it makes more sense to add your teen to your policy or purchase separate coverage, and how liability limits affect your family’s protection.
Read more
MA Low Number Plate Lottery

Massachusetts Launches 2026 Low-Number License Plate Lottery With 237 Plates Up for Grabs

The Massachusetts RMV has opened its 2026 Low Number License Plate Lottery, giving eligible residents the opportunity to apply for one of 237 sought-after plates. Applications are free and accepted online through August 14, 2026, with winners chosen at random and notified in September.
Read more
Person holding car keys

What Is Comprehensive Coverage in Auto Insurance and What Does It Cover?

Comprehensive coverage is part of an auto insurance policy and helps protect your vehicle from damage caused by non‑collision events such as theft, weather, or vandalism. Learn what comprehensive coverage includes, what it does not cover, and when it may be worth adding to your auto policy.
Read more
Steering wheelSteering wheel

What Should You Do After a Car Accident to Help Your Insurance Claim?

A car accident can be stressful and overwhelming, especially in the moments that follow. This checklist outlines practical steps drivers can take after an accident to protect themselves, document key details, and help keep the insurance claims process on track
Read more
Receipt

My insurance will cover all costs after an accident | Auto Insurance Myths

While insurance provides essential financial protection, it’s important to understand that most policies have limits, deductibles, and exclusions. Here’s why this myth is misleading and how you can ensure you’re adequately prepared by understanding the details of your policy,
Read more
Person driving

If someone driving my car causes an accident, I won’t be held responsible | Auto Insurance Myths

In most cases, the insurance policy covering the car is considered the primary coverage, not the driver’s personal insurance. That means if someone else is driving your car and causes an accident, your insurance company will likely be responsible for paying for the damages—even if you weren’t behind the wheel. Learn why it's important to drive smart—and lend smarter.
Read more
Car rear

My car is old, so I don’t need to have higher insurance limits | Auto Insurance Myths

Insurance is about balancing risk and protection. While you might save a few dollars by lowering your coverage, the potential costs of being underinsured can be catastrophic. Liability insurance is the foundation of your financial well-being, and ensuring you have adequate limits protects your future, no matter the age of your car.
Read more
Flat tire

My auto insurance covers all types of damage | Auto Insurance Myths

While auto insurance provides valuable protection, it’s essential to understand what your policy does and doesn’t cover. Taking the time to review your policy and consider additional coverage options can save you from unexpected expenses and give you peace of mind on the road.
Read more

I’ve never had a car accident, so I don’t need automobile insurance | Insurance Myths

No matter how cautious and skilled a driver you are, accidents can happen. Road conditions, weather, other drivers, or even wildlife can create situations beyond your control. You might never cause an accident, but what about the driver who runs a red light or the unexpected hailstorm? Automobile insurance provides a safety net for the unforeseen.
Read more
Car crash

If I’m not at fault in an accident, my insurance won’t be affected | Insurance Myths

Even if you’re not at fault, your insurance might still be affected. Insurance companies assess risk based on your overall claims history, not just who was at fault. Here are some factors that could lead to higher premiums.
Read more
Auto Insurance in Hudson MA

Auto Insurance in Hudson, MA: What You Need to Know

If you live in Hudson, MA, or the surrounding areas, securing the right auto insurance is essential. Whether you’re a daily commuter, a weekend traveler, or a first-time driver, having the appropriate coverage ensures protection on the road and compliance with Massachusetts’ legal requirements.
Read more
Car close-up

What to Do After a Hit-and-Run

When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information, this is commonly referred to as a hit-and-run. Review the following guidance to understand what information to collect and who to contact following a hit-and-run incident.
Read more
Car on road

Gap Insurance

Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself.
Read more
Person in wheel chair

If another driver causes an accident and I’m hurt, their Auto Insurance pays for my injuries | Insurance Myths

While the law requires drivers to carry insurance, not everyone complies. Some people drive without insurance, while others carry only the bare minimum. That minimum coverage might not come close to covering your medical bills, lost wages, or other damages if you’re seriously injured. Thankfully, you don’t have to rely solely on other drivers’ insurance. Your auto policy can include coverage to protect you in these scenarios.
Read more
What do I need to know in case of an auto accident Auto FAQ

What do I need to know in case of an auto accident? | Auto FAQ

What do you need to know in case of an auto accident? Accidents are stressful, but knowing how to handle the situation calmly and responsibly can help protect your safety, ensure accurate documentation, and safeguard your interests. Read our FAQ post to learn more.
Read more
Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

If my car gets hit and I don’t have collision coverage, can Murphy Insurance help? | Auto FAQ

If your car gets hit and you don’t have collision coverage, can Murphy Insurance help? Yes. Many other agents won’t help process the paperwork in a third-party claim unless you have collision coverage, but Murphy Insurance cares about its customers. Read our FAQ post to learn more.
Read more
Car window rolled down

6 Types of Auto Insurance Coverage

Interpreting the various types of coverage offered under your auto insurance policy can be tricky, but extremely beneficial. To help you develop a better understanding of your policy, here are six types of coverage that it may include.
Read more
10 Tips for What to Do at an Accident Scene

10 Tips for What to Do at an Accident Scene

In the event of an accident, staying calm is essential for managing the situation effectively. Remember to prioritize safety by checking for injuries, calling the police, and exchanging necessary information with the other driver, while also documenting the scene and contacting your insurance provider promptly to initiate the claims process and ensure assistance during this stressful time.
Read more
Deer Collision Risk Peaks in November and December

Deer Collision Risk Peaks in November and December

Encountering a deer on the road can evoke the "deer in the headlights" moment, highlighting the abruptness of the situation. With collisions being more prevalent from October to December due to increased deer activity, cautious driving is paramount to avoid accidents.
Read more
Small Business Owner

Top 10 Small Business Property and Liability Insurance Claims

Small businesses are significantly likely to face property or liability claims, with burglary and theft ranking as the most common, while reputational harm emerges as the costliest. To mitigate risks, business owners can implement preventive measures tailored to each potential claim scenario, ensuring comprehensive protection.
Read more
Thanks and Please Be Safe In the Kitchen & On the Road 1200x628

Thanks and Please Be Safe In the Kitchen & On the Road

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.
Read more

Why You Need Uninsured Motorists Coverage

When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.
Read more
Reduce Your Exposure to Intersection Auto Accidents

Reduce Your Exposure to Intersection Auto Accidents

Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.
Read more
Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.
Read more

Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

The Massachusetts Senate has successfully incorporated an amendment into the 2016 State Budget, aiming to raise the Property Damage Threshold for both Minor and Major accidents. The proposed thresholds would increase to $1,001 for Minor Accidents and $5,001 for Major Accidents, potentially benefiting Massachusetts drivers by impacting surcharge points added to driving records, which can influence insurance premiums following at-fault accidents.
Read more
Gender Related to Type of Car Crash

Gender Related to Type of Car Crash

The fear of experiencing a car accident is universal, heightened particularly for parents of teenage drivers as they navigate their child's initial ventures on the road. The specter of a collision looms heavily, casting a shadow over the anticipation of a teen's newfound driving privileges.
Read more
Don’t Risk a Lot For a Little

Don’t Risk a Lot For a Little

Severe accidents underscore the unpredictability of life's uncertainties. Murphy Insurance prioritizes your protection, urging our clients to secure comprehensive bodily injury coverage against financial risks. Connect with us today for personalized insurance solutions.
Read more
Five Insurance Lessons from ‘The Town’

Five Insurance Lessons from ‘The Town’

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.
Read more
PreviousNext