Not every driver on Massachusetts roads carries adequate insurance. When the at-fault driver is uninsured or underinsured, your own policy's uninsured (UM) and underinsured (UIM) motorist coverage can fill the gap.
Massachusetts requires UM coverage on auto policies and allows drivers to purchase higher UIM limits. UM applies when the at-fault driver has no insurance or flees; UIM applies when the at-fault driver's coverage is too low to cover your damages.
These claims are made against your own insurer, which can create a surprising adversarial dynamic — your insurer may dispute fault or the value of your injuries just as an opposing carrier would.
Stacking rules, consent-to-settle requirements, and notice deadlines make UM/UIM claims technical. An attorney can ensure you don't inadvertently forfeit coverage you paid for.
If you've been injured in Massachusetts, Injury Claim Team can connect you with an experienced personal injury attorney at no cost. Call 973-566-5599 any time for a free, confidential case review — there's no fee unless you win.
Injured in Massachusetts? Your free case review is one call away. Reach us at 973-566-5599 — available 24/7, no fee unless you win.