If you live in Lakeville and you are looking for car insurance, you have options — and the right agent makes all the difference. HCC Insurance is a family-owned, independent insurance agency based in New Bedford, just 14 miles away, and we have been serving drivers throughout Bristol County and the SouthCoast for 100 years.

Lakeville is a rural Bristol County community bordering Fall River and the Assonet River watershed. We know this community, the roads that run through it, and the insurance questions that come with living here. Whether you are insuring a daily commuter, a seasonal vehicle, a teen driver, or a full household fleet, we shop multiple carriers to find the right coverage at the right price.

As an independent agency, we are not tied to any single insurance company. Our job is to find you the best combination of coverage and cost across the carriers we represent. When you call HCC, a live person answers — no phone tree, no chatbot. We also help Lakeville homeowners and flood insurance clients throughout the South Coast, so we can cover your entire household under one roof.

Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs if you injure someone else in an at-fault accident. This protects your financial assets when a claim goes to litigation.

Property Damage Liability
Covers damage you cause to another person's vehicle or property. The new $30,000 minimum is a significant improvement over the old $5,000 — but may still fall short in a serious collision involving a newer vehicle.

Collision Coverage
Covers damage to your own vehicle from a collision, regardless of fault. Required by most lenders and leases, and worth carrying on any vehicle with meaningful value.

Comprehensive Coverage
Covers damage from theft, vandalism, fire, falling objects, and weather. In Massachusetts, with its coastal storms and harsh winters, comprehensive coverage earns its premium.

Personal Injury Protection (PIP)
Massachusetts is a no-fault state — your PIP pays your medical expenses and a portion of lost wages after any accident regardless of fault. The $8,000 minimum can be exhausted quickly in a serious injury.

Uninsured / Underinsured Motorist
Protects you when the other driver has no insurance or not enough to cover your damages. Not optional for any driver who cannot afford to absorb the full cost of an accident out of pocket.

Optional Coverages Worth Knowing About

• Roadside assistance and towing — lockouts, flat tires, dead batteries, tow to your mechanic of choice
• Rental car coverage — keeps you mobile while your vehicle is repaired after a covered loss
• GAP insurance — covers the difference between your loan balance and the vehicle's actual cash value if totaled
• Teen driver on the policy? See our guide to saving money on teen car insurance in Massachusetts for tips on discounts, SDIP, and vehicle choice.

When you buy from a direct writer or online platform, you get one company's answer. When you work with HCC Insurance, you get the market. We represent multiple carriers and compare rates, terms, and discounts for your specific profile — your driving record, your vehicle, your household.

Different carriers price the same Lakeville driver very differently. The spread between the best and worst quote for identical coverage can be significant. See why a 100-year independent agency delivers better value than a direct writer or online platform.

What HCC Does Differently

We run your information through multiple carriers simultaneously, factor in every available discount — multi-car, multi-policy, good student, telematics, loyalty — and present you with the best options. That is a process that takes experience, market access, and judgment. It is not something an online quote engine can replicate.

Call HCC Insurance at (508) 997-3321 or visit hccinsuranceagency.com. A live person answers every call. We gather your information, shop multiple carriers, and get back to you with options — most standard quotes are completed the same day.

Yes — modified no-fault. Your PIP coverage pays your medical expenses and lost wages after any accident regardless of fault. For serious injuries exceeding certain thresholds, you may pursue a claim against the at-fault driver.

The Safe Driver Insurance Plan tracks at-fault accidents and moving violations and applies surcharges for up to six years. Not-at-fault accidents do not generate surcharges. We walk every client through how SDIP works because understanding it shapes smarter decisions about coverage and claims.