A car accident can put a family at risk of losing everything. Unfortunately, if you are injured by an uninsured driver, or their policy doesn’t fully cover your injuries, then you may need help from a Boston uninsured motorist accident lawyer.
If you were injured by an uninsured or underinsured driver, reach out to the legal team at DiBella Law Offices, P.C. For nearly two decades, our Boston car accident lawyers have helped injury victims recover full compensation for losses and injuries.
We can sit down with you in a free consultation, provide you with your legal options, review all available insurance policies, and fight to recover your full compensation.
Do I Need a Boston Uninsured Car Accident Lawyer?
Here are a few key reasons why you should consider securing legal representation from our Boston personal injury lawyers to help with an uninsured/underinsured car accident claim in Boston:
- Dealing with Insurance Companies – Our attorneys know how to effectively navigate the insurance claims process and make sure you get the full payment you deserve.
- Handling Medical Bills – Medical expenses alone after an accident can be overwhelming. An attorney helps manage costs and secures full and fair compensation.
- Lost Income Claims – Claiming lost wages requires proving income history. A lawyer will advocate on your behalf for proper wage loss compensation.
- Prevent Costly Mistakes – Uninsured car accident claims can be complex. A lawyer helps you avoid unintentional errors that can cost you valuable time and money.
Our uninsured car accident lawyers in Boston fight for your rights and provide guidance so you can focus fully on treatment without financial worries from medical costs or loss of income.
Give us a call today to discover how we can assist you.
Auto Insurance in Massachusetts
Auto insurance is mandatory in the Commonwealth of Massachusetts, with every driver being required to have at minimum:
- Liability Insurance for Bodily Injuries to Others: $20,000 for one person / $40,000 per accident
- Liability Insurance for Property Damage: $5,000 for property damage to another person’s vehicle
- Personal Injury Protection (PIP): $8,000 in medical coverage for policyholders and their households
- Uninsured Coverage: $20,000 for one person / $40,000 per accident
In addition, Massachusetts is a no-fault insurance state. After a crash, your auto insurance company should compensate you for your medical bills up to your policy limits in addition to your existing health insurance coverage. While this process should be simple and allow you to get the treatment you need to heal, there may be several roadblocks.
For one, PIP will only cover 75% of your lost wages and may not be enough to cover the full costs of your injuries. If you reach your policy limit, you may need to file a claim with the other driver’s insurance company.
However, if the other driver does not have auto insurance or their policy is too low to cover the costs of the collision, you may be in hot water. Luckily, this is where uninsured and underinsured coverage comes in.
The Role of UM/UIM Motorist Coverage
Both uninsured and underinsured motorist coverage applies when another underinsured driver’s insurance is not enough to cover the costs of a collision. If you have exhausted all other insurance options, these policies may pay your bills.
This is particularly beneficial if you’ve experienced a hit and run accident.
While uninsured is required in Massachusetts, underinsured is not — but it could prove useful after a collision. Your Boston uninsured motorist accident attorney can evaluate and help you recover compensation from all insurance coverage available.
Uninsured Motorist Claims
If the other driver does not have auto insurance, or if you were injured in a hit-and-run and could not identify the driver, you can file a claim against your uninsured motorist coverage (UM). UM is designed to match your policy limit, meaning you have at least $20,000 of coverage after a collision.
Underinsured Motorist Claim
If the other driver’s insurance is not enough to cover your damages, then you can file an underinsured claim (UIM) with your insurance provider to make up the difference.
For example, let’s say that you filed a third-party claim with an at-fault driver and received the coverage limit of $20,000. However, you still have $10,000 in damages left over. If you have a UIM policy, you can file a separate claim with your own insurance to recover the remaining $10,000.
UIM is also meant to match your liability coverage, so if you have a policy, you will have at least $20,000 in coverage.
Whether you file a claim with your own insurance company or against the driver who injured you, you should ask for full compensation for your injuries, lost wages, and pain and suffering. A skilled attorney can negotiate to maximize your compensation.
We've offered crucial support and guidance to individuals who have suffered injuries, ensuring their financial and emotional well-being.
How Much Does it Cost to Hire a Boston Uninsured Motorist Accident Attorney?
Our uninsured car accident lawyers in Boston work on a contingency fee basis, so there is no upfront cost or hourly fees paid by the client. Instead, the law firm only receives payment as a percentage when we successfully obtain a recovery or settlement on your behalf. This contingent arrangement has several key benefits:
- You do not owe the attorney anything if we cannot generate compensation for you.
- Focuses attorney incentive on maximizing recovery – Working for a percentage motivates hard work pursuing the fullest possible damages award or insurance payout.
- Allows access to legal help with no funds paid upfront – Even clients without immediate means to pay lawyers can secure experienced representation.
The value provided in successfully navigating insurance claims and maximizing recovery usually far outweighs this percentage of any settlement paid only in the case of a favorable outcome.
Get in touch with us today to get a free consultation.
How to Receive Compensation After an Auto Accident
The process for getting compensation after a car accident in Massachusetts is complicated. You may have to deal with your PIP coverage, your health insurance policy, the other driver’s insurance, and then your own company if you are filing a UM/UIM claim.
Each company you talk to will want to minimize the amount of money it pays you, limiting your ability to pay all your bills and move on with your life.
Your best option is to work with a Boston uninsured motorist accident attorney who can handle all negotiations for you. At DiBella Law Offices, P.C., our lead attorney has nearly two decades of experience fighting for clients to receive full compensation for their injuries.
Contact a Boston Car Accident Law Firm for a Free Legal Consultation
Whether you’ve been in an accident with a hit and run driver or an uninsured motorist, you still have options for recovering a fair settlement. Let the Boston uninsured motorist accident lawyers of DiBella Law Offices, P.C. help you seek compensation.
We can walk you through the claims process, calculate the total costs of your injuries, and advocate to get you the highest possible award in an insurance negotiation or personal injury trial. To sit down with us in a free consultation, contact us today.
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