Massachusetts personal injury victims can suffer devastating consequences if an insurance company rejects their claims for coverage. In a recent case before the Appeals Court of Massachusetts, the court had to determine whether the plaintiff was considered a “household member” in order to be eligible for coverage.
According to the court’s opinion, the plaintiff was injured in a serious car accident while he was a passenger in a vehicle. The plaintiff was hospitalized for four days, and incurred medical bills of more than $40,000, as well as a long-term disability. The plaintiff accepted a settlement with the driver for the full extent of the driver’s insurance policy of $100,000.
Evidently, at the time of the accident, the plaintiff lived with his girlfriend and their minor son in a home with his girlfriend’s mother and stepfather. The mother and stepfather had an insurance policy that covered two cars used by residents of the plaintiff’s home. The policy provided $250,000 of coverage per person in underinsured motorist coverage for damages caused by a person who does not have sufficient insurance to cover someone’s damages. The plaintiff filed a claim under this policy.