What Every Massachusetts Driver Should Know About Uninsured Motorist Coverage

Massachusetts drivers face unique challenges when navigating the state’s insurance requirements. One critical component that often goes overlooked is uninsured motorist (UM) coverage. Here’s what our personal injury lawyer Hyannis recommends knowing before hitting the road.

What is Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you’re involved in an accident with a driver who doesn’t carry liability insurance. It also applies if you’re the victim of a hit-and-run accident. Rather than absorbing the financial burden yourself, your UM coverage steps in to cover medical bills, lost wages, and other damages up to your policy limit.

Scenarios Where UM Coverage Applies

Uninsured motorist protection comes into play in the following situations:

• Being hit by a driver without insurance
• Being involved in a hit-and-run accident
• Uninsured drivers causing property damage to your vehicle (if your policy includes coverage for it)

Limits of UM Coverage in Massachusetts

UM coverage has its limitations. For instance, it only reimburses losses up to your policy limits. It also doesn’t cover property damage unless you’ve purchased uninsured motorist property damage (UMPD) coverage. Understanding the specifics of your policy is essential for avoiding confusion during a claim.

Consulting with a personal injury lawyer Hyannis can help clarify any challenges related to your insurance claim.

How to Make a UM Claim

Filing a UM claim requires careful attention to detail. Follow these steps:

• Report the accident to your insurance company immediately.
• Provide evidence, such as police reports, photos from the scene, and medical documents.
• Keep all communication with your insurer professional and factual. Avoid speculative statements.
• If disputes arise, consider hiring a personal injury attorney Cape Cod to advocate on your behalf.

Common Mistakes to Avoid

Mistakes can derail your UM claim. Watch out for these common pitfalls:

• Delayed Reporting: Notify your insurer promptly to avoid jeopardizing your claim.
• Incomplete Documentation: Missing evidence weakens your case. Collect as much information as possible.
• Accepting a Low Settlement: Insurers may try to minimize payouts. Consult a personal injury lawyer Hyannis, MA, to ensure you receive fair compensation.

Protecting Yourself on the Road

Uninsured motorist coverage is more than just a line item on your insurance policy; it’s a lifeline that can safeguard your finances and peace of mind in the aftermath of an accident.

If you’ve been involved in an accident and need legal assistance, The Law Offices of John C. Manoog III is here to help. Protect your future by contacting us for a free consultation today.