Uninsured motorist laws are state specific. Massachusetts does not require that drivers carry uninsured motorist coverage, rather it is an option you must select when purchasing your automobile insurance policy.
Massachusetts Law Regarding Uninsured Motorist Coverage
Massachusetts is one of the states that makes uninsured motorist coverage optional. Most people drive around with a sense of security based on the fact that they have insurance. In Massachusetts, that sense of security may be misplaced if you do not carry non-required coverage. Getting into an accident with an uninsured motorist can mean that you will be stuck with a damaged or totaled vehicle, medical expenses, lost wages and exposure to law suits from any passengers who suffered injury too. This can occur even if you were not at fault in the accident.
The best way to protect yourself is to carry the optional uninsured motorist coverage. You never know when or with whom you will be involved in an accident.
Insurance Company Opposition
Your insurance company is likely to oppose any claim to insurance compensation that is out of the ordinary. If you were involved in an accident with an uninsured or under-insured motorist and your insurance company is not cooperating, an attorney may be able to help you get the compensation you deserve. Many times, injury attorneys can handle your case on contingency, meaning you don't have to pay until you are compensated.
Insurance Company Limits
You might be surprised to learn that Massachusetts insurance companies are allowed to limit the amount of uninsured and under-insured motorist coverage they offer to their clients. The Massachusetts Supreme Court has affirmed that these limits are within the law, protecting insurance companies and leaving Massachusetts drivers open to potentially excessive losses. Check with your insurance company to see what the uninsured motorist limitations are currently. This is one good reason to shop around for insurance. It is not all about the premium charges, it is all about the coverage you are actually entitled to receive in the event of an accident.
Getting Legal Help
An accident with an uninsured motorist can leave you with excessive bills that you don't know how to deal with. Contact a personal injury attorney in your state to get help seeking compensation for your automobile accident. You should consult an attorney as early as possible to make sure you do not let the statute of limitations lapse in your case.