The aftermath of a car accident can be one of the most stressful and overwhelming experiences of your life. In addition to dealing with the pain of your injuries, you may suddenly find yourself buried under mounting medical bills, struggling financially due to lost income from missed time at work, and facing an uncertain recovery. On top of it all, the phone may be ringing constantly, and your mailbox filled with letters and demands from insurance companies.
When you're injured in a car accident in Massachusetts caused by another driver, you may assume their insurance policy will cover your damages. Unfortunately, many drivers on Massachusetts roads only carry the Massachusetts minimum insurance coverage – which may not be enough to fully compensate you after suffering severe injuries in a serious crash.
That’s why Part 12 “Bodily Injury Caused by an Underinsured Auto” of the Massachusetts standard auto insurance policy, is so important. Framingham car accident attorney Chuck Pappas has seen an increase in UIM claims as more clients are injured by drivers carrying only minimum coverage.
What Is Underinsured Motorist Coverage?
Underinsured motorist coverage is optional insurance that protects you when you're injured in a car accident caused by someone who doesn’t have enough liability coverage to pay for your injuries and all your financial losses.
In Massachusetts, the minimum liability coverage required by law is $20,000 per person and $40,000 per accident. If you suffer serious injuries, that amount may barely cover your emergency room bills, let alone lost wages, ongoing treatment, or pain and suffering.
UIM coverage helps fill the gap between what the at-fault driver can pay and what you actually deserve.
Why You Shouldn’t Skip This “Optional” Coverage
Although underinsured motorist coverage is optional, the cost is minimal – especially compared to what you could lose without it. For just a small addition to your annual premium, you gain a critical safety net that could make a life-changing difference in the aftermath of a crash.
Attorney Chuck Pappas has represented many injured drivers throughout Framingham, Boston, Worcester, and surrounding areas who were grateful they added UIM coverage to their policies. Having this additional and optional coverage allowed them to secure the compensation they needed to make sure their medical bills and lost wages were covered.
Additional Protections of UIM for Your Family / Household Members
Importantly, Part 12 underinsured motorist (UIM) coverage doesn't just protect you – it also protects members of your household. If a family or household member suffers serious bodily injuries in a crash caused by another driver who carries inadequate insurance, your UIM coverage can step in to help. This applies even if the injured household member was not driving your car at the time of the crash. As long as they reside in your household and are not otherwise excluded, they may be entitled to compensation through your UIM policy.
This protection is especially critical for families with children, spouses, or elderly relatives who may be passengers or pedestrians when a crash occurs. Without sufficient underinsured coverage, your loved ones could be left without the financial resources needed for medical care, rehabilitation, or lost wages. By carrying strong UIM limits, you ensure a vital layer of protection for those who matter most to you.
The Growing Need for UIM Claims in Massachusetts
With the increase in traffic (and construction) on Route 9, the Mass Pike (I-90), I-95, I-495, and countless local roads, Attorney Pappas is seeing more and more injured clients needing to turn to their own UIM coverage to get fully compensated. The reality is that many Massachusetts drivers still only carry the bare minimum insurance, which falls far short in serious injury cases.
Without UIM protection, you may be left holding the financial burden for an accident you didn’t cause.
How Attorney Chuck Pappas Helps Victims Secure UIM Compensation
Chuck Pappas has extensive experience handling underinsured motorist claims and knows how to navigate the complexities of dealing with your own insurance company. While your auto insurance company may claim to be on your side, you’ll see where their allegiance lies after you’ve been injured in a car accident and need to turn to your own insurer for additional compensation to make you whole. It often takes a strong legal advocate and experienced Massachusetts car accident attorney to ensure your rights are respected and your losses are fairly compensated.
Attorney Pappas has successfully pursued UIM claims for clients injured in car accidents across Massachusetts, helping them secure money for:
- Medical expenses
- Lost income
- Pain and suffering
- Future treatment and care
He builds strong cases backed by evidence, medical documentation, and expert testimony to maximize your recovery – even when it means going up against your own insurer.
Don’t Wait Until It’s Too Late – Review Your Coverage Now
It is surprising to learn how many drivers do not know if they have UIM coverage or, if they do, how much they may have for coverage. If you don’t already have underinsured motorist coverage, take a moment to review your personal auto coverage selections page of your policy. Call your agent and ask about adding or increasing your UIM limits. It’s a small step that could protect your future in a big way.
And if you’ve been injured in a car crash and are concerned that the at-fault driver doesn’t have enough coverage, Attorney Chuck Pappas is here to help.
Call Framingham Car Accident Attorney Chuck Pappas Today
If you were hurt in a car accident and the at-fault driver doesn’t have enough insurance to cover your damages, you may still be entitled to compensation through your own UIM coverage. Let Chuck Pappas fight to get you the money you deserve.
📞 Call (508) 879-3500 or contact us online today for a free consultation.
🕒 No fee unless we win. Proudly serving Framingham, Boston, Worcester, and all of Massachusetts.
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