Boston Attorneys Seek Compensation for Your Injuries Caused by an Uninsured or Underinsured Motorist
If a driver without any or enough insurance caused your accident, we can help
If you are injured in a motor vehicle accident anywhere in the Boston area, you have bills to pay, including doctor’s bills, hospital bills and perhaps physical therapy bills. If your accident also leaves you unable to work and you lose income, how will you pay those bills — and how will you support yourself and your family?
Whenever another driver is at fault for your accident, you are entitled to compensation for your injuries — even if the driver who caused the accident had no insurance or insufficient insurance. You have options, and our attorneys with Swartz & Lynch LLP leave no stone unturned when it comes to exploring every option to recover every penny you deserve for your injuries.
While an estimated 13.8 percent of drivers nationwide have no insurance, the good news is that here in the Bay State we have one of the lowest rates of uninsured motorists in the United States. Massachusetts law requires that drivers carry liability insurance — you cannot even register your vehicle without proof of your policy. Unfortunately, there are plenty of people who still drive with no insurance. And even if a driver has insurance, is it enough? These facts should be kept in mind:
- The minimum coverage requirement in Massachusetts is $20,000 per person and $40,000 per accident for bodily injury to others and $5,000 per accident for damage to property.
- The National Safety Council estimates that the average cost for a nonfatal disabling injury is approximately $79,000.
- Uninsured and underinsured drivers are more likely to be under 30 years old, have lower incomes and rent their homes — meaning that there is less in their personal reserves for you to collect when their inadequate coverage falls short.
You can recover damages from your own insurance company — but it won’t be easy
If an uninsured or underinsured driver is responsible for your injuries, you may be able to go after his or her assets. But more often than not, he or she will have little property of value that can be used to compensate you. Another option is to place a claim against your own policy. This puts you at odds with your insurance provider, and you cannot assume that just because you dutifully pay your premiums that the company will happily fork over full and fair compensation. Insurance companies fight hard to minimize the money they pay out, whether it’s to you, the policyholder, or to the other driver in the event that you caused a speeding accident, ran a red light, texted while driving or even were driving drunk.
Unless you declined to have coverage for uninsured motorists, you have protection against them under your own Massachusetts auto insurance policy. You paid for it, and you are entitled to the coverage it provides. With help from a skilled personal injury lawyer at our firm, you can overcome the vast resources the insurance company puts into fighting your claim. Our goal is always what is in your best interest. To that end, we pursue every avenue of compensation.
The difference between uninsured motorist (UI) and underinsured motorist (UIM) coverage
While uninsured motorist coverage protects you against people with no liability insurance, underinsured motorist coverage is there to cover the difference between the minimal coverage that the at-fault driver has and your damages up to the limits spelled out in your policy.
If you don’t already have UIM coverage, which is optional, consider adding it to your policy. It is important to know what your limits are, because they are the maximum amounts your insurance company can pay if you need to file a claim.
Recover the damages you deserve for an uninsured or underinsured motorist accident
Insurance laws are tricky and often seem overwhelming, but if you have been injured, you should be compensated. Call us at 857-250-0664 or contact a Boston car accident lawyer and schedule a time to discuss your case with an attorney from Swartz & Lynch LLP. The initial consultation is free, and all cases are taken on contingency, so there is no risk to you.