How to protect yourself from drivers without insurance or not enough insurance
Auto accidents can devastate lives. A collision can lead to death or life altering injuries in the blink of an eye. What happens if the person who has changed your life forever does not have insurance? What if they speed away without a word while you are incapacitated? What if you’ve been severely injured and they have minimum insurance coverage?, Fortunately, there are insurance policies designed for these events.
In Massachusetts, insurers offer two types of coverage options to provide individuals injured in auto accidents a means of recovery when the driver causing the accident is unavailable, uninsured, or underinsured. Ensuring you have enough coverage under both types of policies is imperative to protect you in the event of an accident involving one of these types of drivers.
Uninsured Motorist insurance, referred to as ‘UM’ coverage, is mandatory under Massachusetts General Law c.90, s.34A-34R regarding Compulsory Motor Vehicle Liability Insurance. If you are injured by a driver that does not carry insurance, which is against the law, your UM coverage will provide you benefits for bodily injury. Similarly, if after an accident, the responsible party drives off before being identified, the UM coverage stands in the shoes of the absent party, paying claims for bodily injuries.