You're Still Covered: Understanding Massachusetts Insurance Coverage

What if you are injured in a car accident and the driver of the other car, who is at fault, has no insurance? What if a car hits you and you are injured, then takes off, and you don’t get the license plate number? What if the driver of a car that hits you has insufficient insurance? You still can make a claim with your own insurance company under your uninsured or underinsured motorist coverage. You may have noticed that you pay a portion of your insurance payment for uninsured and underinsured motorist coverage. You may remember your insurance agent trying to convince you to up the amount of coverage under this particular segment of your policy. Actually, it wasn’t just a sales pitch, it is a good idea. Your bodily injury limits covers others that may be hurt caused by your own negligence. Your uninsured and underinsured motorist coverage covers you when someone else is negligent.

The Importance of UIM Coverage

Your uninsured motorist coverage covers you in the case of an at-fault driver that doesn’t have insurance. It also covers you in a hit and run accident. Your uninsured motorist coverage covers you up to the limits of your policy. You know better than I how much insurance coverage your family may need; however it is not a good idea to have the policy minimum for uninsured motorist coverage. Rates for insurance coverage vary; however, I think you will be surprised by the minimal increase in your insurance payment when you increase your uninsured motorist coverage. Remember, uninsured motorist coverage covers you when you are not at-fault and your bodily injury limits covers others when you are at-fault.

Your underinsured motorist coverage covers you when the at-fault driver has insufficient coverage to adequately compensate you for your injuries. When the at-fault driver has a minimal policy, it is often the case, that that person does not have sufficient assets to compensate you properly. It is important to speak to an experienced attorney when this situation arises. The Commonwealth of Massachusetts has very complex laws associated with uninsured and underinsured motorist coverage, and an experienced attorney will be able to assist you.

Keegan and Flanagan, LLP has the experience necessary to assist you with your injury claim. Our attorneys are highly competent trial lawyers that know how the insurance company will handle your claim. Our staff will give you the personal attention necessary to get you through this difficult time. You work on getting better, and let us handle the rest.


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