Massachusetts Law Regarding Insurance Policies
One afternoon you’re driving around running errands, when out of nowhere comes another vehicle crashing into you. You’re seriously hurt and an ambulance takes you to the emergency room.
After speaking with the insurance company you find out the person who hit you has NO insurance or the absolute minimum insurance. There is either no insurance coverage or not enough insurance coverage to compensate you for your injuries and/or lost time at work.
In Massachusetts, our laws require drivers to carry automobile insurance. Although our laws require it, not all drivers on the road have insurance. If your car is hit by an uninsured or an underinsured motorist, it is very difficult to recover money damages on your own. The underinsured motorist may carry a minimum amount of insurance, which means there may not be enough to cover the expenses of your accident, including:
- Medical expenses
- Pain and suffering
- Lost time at work; and
- Repairs or replacement of your vehicle.
If this sounds familiar you should contact Mahaney & Pappas LLP at 508-879-3500. We have significant experience working with clients who have been affected by these issues. Our experience and knowledge allow us to know where to look and recover money you deserve, so you don't pay more than you have to for car repairs and medical bills.
Understanding Your Policy
Massachusetts law also makes uninsured motorist claims mandatory for all insurance policies. Therefore, in cases where you have been hit by an uninsured motorist, you may recover damages/money from your own insurance company.
Underinsured insurance coverage, however, is optional. You should check with your insurance agent to see if you have underinsured coverage or what the cost is to add it to your policy. Typically the cost is minimal.
If you have been injured in an accident, call our office at 508-879-3500. We will sit down with you for free and evaluate your case.