Underinsured / Uninsured Motorist Insurance Accident Claims in Massachusetts
Insurance Companies Make Filing a Claim a Difficult Process for Car Accident Victims
Insurance companies often make car accident claims very complicated for victims of car accidents. When an individual is involved in a serious auto accident and the other driver is either underinsured or uninsured, the issues becomes even trickier.
Most injured drivers do not understand exactly what UI/UIM accident coverage means in the event of an auto accident. Many drivers do not even know if their auto insurance policy includes Uninsured or Underinsured Motorist coverage. Another area of confusion for injured parties is how to collect or recover compensation for their medical bills, lost wages, property damage and pain and suffering from their Uninsured or Underinsured Motorist policy coverage.
If you or a loved one was seriously injured in a car accident resulting from the negligence of an uninsured or underinsured motorist, you should call the Law Offices of Gerald J. Noonan in Brockton, Massachusetts for legal advice. We can help. Our attorneys and legal support staff have been fighting for the rights of injured clients throughout Southeast Massachusetts for many years. Protect your legal rights by contacting our law firm before discussing anything with an insurance company representative.
Uninsured/Underinsured Motor Vehicle Accident Claims
In 2010 the Insurance Research Council estimated that one in six drivers in the United States may be driving uninsured.
A claim for an injury caused by an uninsured automobile is made when an insured person is injured by another driver who is uninsured. Massachusetts statute makes Uninsured motorist mandatory, unlike underinsured insurance which is optional and issued to protect motorist from underinsured autos. Underinsured coverage covers any difference between an insured’s damages and the limits of the other driver who causes the injury.
An injured occupant who doesn’t have their own automobile policy and who is not insured on a household member’s policy could obtain uninsured motorist coverage from the named insured’s policy covering the vehicle they occupied when injured.
A household member who has a Massachusetts automobile policy of her own providing underinsured motorist coverage may not recover underinsured motorist benefits under a policy issued to another household member. The “Household Member” provision in the Massachusetts automobile policy provides coverage to a household member when he/she is driving a car not owned by the insured or while a passenger in a car that is not owned by the insured.
“Household member” is defined to include “anyone living in your household who is related to you by blood, adoption or marriage” A household member who doesn’t have a Massachusetts automobile policy of her own providing underinsured motorist coverage may chose the higher of any household policy. An intention to become a member of an insured’s household is not necessarily sufficient to make one an actual member of that household. This is particularly so when such intentions would not be ascertainable by the insurer. Insurers should be able to calculate their risks. Knowledge of the approximate number of persons covered by the policies they issue may be crucial in such calculations, and therefore the persons for whom they are responsible should be readily identifiable.
For almost three decades the Law Offices of Gerald J. Noonan has been fighting on behalf people injured by both uninsured and underinsured motorists. If you have been involved in a underinsured or uninsured car accident you have a right to be compensated for your injuries, lost wages and potentially your pain and suffering. We will handle every phase of your uninsured motorist claim.
For Help With PIP Insurance Claims Call Our Brockton Car Accident Attorneys – Initial Consultations Are Always Free
Massachusetts insurance law is somewhat complex so it is important that you contact an attorney that knows the Massachusetts Law about auto insurance right away if you have suffered injuries caused by an uninsured or underinsured motorist. Contact us for a no obligation consultation or fill out our case evaluation form and you will have taken the first in dealing with this matter.
Our knowledgeable and experienced Boston Vehicle Crash Attorneys at the Law Offices of Gerald J. Noonan are available to assist clients throughout all of Southeast Massachusetts, including but not limited to Brockton, Taunton, Bridgewater, Weymouth, Hingham, Quincy, Plymouth, Marshfield, Attleboro, Braintree, Rockland, Hanover, Duxbury,Whitman, Middleborough, Raynham, Mansfield, Avon, Canton, Stoughton and all smaller cities and rural areas in Southern Massachusetts. We also serve the counties of Plymouth, Norfolk, Bristol, Massachusetts.
No matter where you are located, we are just a phone call away. Call our Boston Auto Accident Attorney to schedule a free no-obligation case review and consultation at (508) 588-0422 and you will have taken your first step to find out how best to confront this important matter. You can also click here to use our Free Case Evaluation Form.
FAQs About Car Accident and PIP Insurance Claims
- Can I get a rental car?
- Who will pay for the damage and repairs for my car?
- When am I entitled to be compensated for lost wages?
- PIP Auto Insurance Claims: Who will pay my medical bills?
- Can I get damages for pain and suffering in a car accident settlement?
- What should I do after I have been in a car accident?