Uninsured Motorist

All vehicles in Massachusetts are required by law to carry insurance. While most drivers in the Commonwealth abide by this law, unfortunately, some do not. Being the victim of an accident is stressful enough and this is compounded when you learn the at-fault driver does not have insurance. However, you shouldn't panic. If you have suffered injuries after a car accident caused by a negligent uninsured driver, swift action is imperative, but there are viable options. If you do not act quickly, you may be risking losing your ability to recoup medical costs, lost wages, pain and suffering compensation, property damage reimbursement, and more.

The experienced Boston car accident lawyers at Bellotti Law Group, P.C. have helped countless victims over the years pay their medical and rehabilitation costs, obtain lost wages, and compensation for their pain and suffering, and other damages following a car accident with an uninsured motorist. Help is available, but calling our experienced and skilled attorneys right away is critical to your success. Contact our Boston, Cambridge, or Quincy office today at 617-225-2100 for a free consultation.

If you have learned that another negligent driver was uninsured at the time of your accident, it is essential to contact an experienced car accident attorney at Bellotti Law Group, P.C. right away. If you have motor vehicle insurance in Massachusetts, you have at least $20,000 in coverage to cover your pain and suffering and lost employment wages and up to an additional $8,000 in PIP ("Personal Injury Protection") coverage for medical bills and lost wages.

In Massachusetts, uninsured motorist coverage is optional. However, our Boston car accident lawyers recommend all drivers to include it as part of their policy, which is often available for an affordable price. Usually, uninsured motorist covered is packaged with "underinsurance" coverage, which offers additional protection. Once uninsured motorist coverage is purchased, you and your household members are covered if they are injured following a car accident with an uninsured motorist. Coverage up to $500,000 can be purchased in Massachusetts.

According to the Insurance Research Council, one in ten Massachusetts cars and trucks are on the road, without insurance. As the economy has continued to spiral downward, it has been estimated that now nearly one in seven Massachusetts drivers are uninsured. Further, stolen vehicles or those being used "without permission" are often not covered, even if the owner has insurance.

If you have been involved in an accident with an uninsured motorist, one possibility to recover the damages you have sustained is to make a claim against the personal assets of the liable driver. However, this is often challenging, as the uninsured driver is often without viable assets. Consequently, our car accident attorneys will also likely make a claim against any insurance available on other vehicles in the liable motorist's household and even file a claim against your own insurance company for uninsured coverage under your policy.

Make no mistake about it, if you are forced to make a claim against your own insurance company to cover damages caused by an uninsured driver, they will be less concerned with your bills and more with their finances. Our attorneys have decades of experience negotiating the best possible settlements for our clients with difficult and savvy insurance companies. We know what you are entitled to receive and will get you full and fair compensation.

Contact our experienced and successful Boston car accident attorneys today at 617-225-2100. We are passionate about helping victims and their families cover their medicals, recoup lost wages, and resume enjoying life.