Massachusetts Uninsured Motorist Accident Lawyer | Underinsured Claims

Car accident with driver without insurance

Massachusetts uninsured motorist accident lawyer

You are driving along a roadway enjoying the scenery and a beautiful day, while your favorite music plays. The light ahead turns green as you approach the intersection, and WHAM! Your idyllic moment is gone for good when a van brakes too late and skids into the intersection and T-bones your car. At first, all parties are dazed as you try to digest what happened, who was at fault, and do they, the other party, have auto insurance?  No, they admit ruefully that they do not.   Now what do you do?

Step 1: Call a police officer to the scene

With any car accident, call the police, especially when you’re in an accident involving an uninsured driver. Their police report can insure proper compensation for your damages Also, take photographs of the damages, skid marks, and surrounding of the motor vehicle or trucking wreck area.

Step 2: Exchange information

The police will certainly take the other driver’s information, but it’s vital that you do also. Get the names and addresses of any witnesses to the accident

Step 3: Contact your insurer

Your insurance company is legally required to investigate and process your motorcycle, motor vehicle or bike crash claim.  From the first moment, the liability company will seek to minimize your injuries and find fault in your actions. If you  have uninsured motorist protection, both  injury and property, your insurance company must adequately compensate you for the loss.

Step 4: Take care of yourself!

If you’ve been injured, you may incur some medical expenses. The other driver has no insurance so he or she dropped the ball. Your health insurance may take care of your medical bills or you may have a med pay policy. With uninsured motorist bodily injury protection, however, your insurer will be able to help you cover things that the other driver’s insurance should have covered.

Step 5: Take care of your car!

Ask your insurance company when, where and how you can have your auto repaired. Uninsured motorist coverage in Massachusetts mainly compensates for property damage and personal injury as long as the innocent party has UM coverage at the time of the motor vehicle crash with the uninsured driver. You will need a Massachusetts uninsured or under-insured  attorney to pursue your cause of action against your own insurance company. The  lawyer will need to establish that the other party was at fault and liable for the MA car accident. The  attorney will collect evidence such as  photographs, police report and  names and location of witnesses

Hit and Run  car accidents in Massachusetts 

Accidents involving hit-and-run drivers are considered uninsured motorists according to Massachusetts law. After the culprit is located, fines, arrest and other penalties may be levied by the authorities in Massachusetts.

“Underinsured” and “uninsured” motorists refer to drivers who either do not have enough insurance coverage (underinsured) or have no insurance at all (uninsured). These terms are commonly associated with auto insurance and are important considerations for individuals looking to protect themselves on the road.

  1. Uninsured Motorists (UM) Coverage:
    • Definition: Uninsured Motorists (UM) coverage provides protection when you are involved in an accident with a driver who does not have insurance.
    • Coverage: UM coverage typically helps pay for your medical expenses, lost wages, and other damages if the at-fault party is uninsured.
  2. Underinsured Motorists (UIM) Coverage:
    • Definition: Underinsured Motorists (UIM) coverage comes into play when the at-fault driver has insurance, but their coverage limits are insufficient to cover your damages.
    • Coverage: UIM coverage helps bridge the gap between the at-fault driver’s coverage limits and the total amount of your damages.

Having uninsured and underinsured motorists coverage can be crucial in protecting yourself financially in the event of an accident. These coverages are often optional, but many insurance experts recommend including them in your policy.

If you’re involved in an accident with an uninsured or underinsured motorist, your own insurance company steps in to compensate you up to the limits of your coverage. It’s essential to review your auto insurance policy and understand the coverage limits to ensure you have adequate protection.

Remember that insurance laws and regulations vary by location, so it’s important to check with your local insurance provider or agent for specific details regarding uninsured and underinsured motorists coverage in your area.