Uninsured motorist claims (also known as "UM" claims) are available to people involved in a Massachusetts car accident where they are not at fault and where there is either no insurance on the at-fault driver's vehicle or the at-fault vehicle's insurance policy has disclaimed bodily injury coverage.

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By law, Massachusetts car insurance policies must have at least $20,000 in uninsured motorist coverage for each person injured with a cap of $40,000 in total paid per accident.  These limits are often paired with your underinsured motorist benefits.

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Uninsured motorist benefits are available through the injured person's own car insurance.  This gives people in Massachusetts a large amount of control over the amount of benefits they are eligible to receive to compensate them for their injuries when injured in a car accident.

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We have seen numerous reasons why an at-fault vehicle may not have bodily injury coverage:

 

• The vehicle was stolen;

• The vehicle was unregistered;

• The other driver did not pay their insurance premiums; or

• The vehicle comes from a state where bodily injury coverage is not required, including our neighbor to the north New Hampshire.

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This is why it is so important to know what your uninsured motorist limits are.  These are the limits that apply to you and your family if someone else hurts you and does not have insurance to pay for your injuries.

 

There are numerous rules that apply to making an uninsured motorist claim.  For instance, if you are unable to resolve an underinsured motorist claim, you must go to arbitration instead of filing a lawsuit.

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Insurance companies are stacked with professionals whose goal is to minimize the payments they need to make to you for your uninsured motorist injury claim.  Speak to a professional today to make sure you also have an expert on your side.  Hiring a lawyer to fight for you at no out-of-pocket cost is the smartest move you can make.

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With over a decade of experience representing clients injured in car accidents, the professionals at the Law Offices of Samuel A. Segal know what it takes to get you the best recovery possible.

 

The time to file your claim is limited, so reach out to us today for your Free Consultation.