No one thinks that they will be the one involved in a serious or catastrophic automobile accident. However, it is expected that if such an accident ever does occur, there will be sufficient insurance coverage to pay for the medical bills, expenses, lost income, and other needs that arise.
Massachusetts law requires drivers to have a minimum amount of car insurance for just that reason. Unfortunately, not all drivers comply with the law, and some of these uninsured or underinsured drivers cause accidents.
Spada Law Group, LLC has years of experience handling uninsured/underinsured motorist claims and helping clients recover the compensation they deserve from the right insurance companies.
How to Recover Damages If the Other Driver Isn’t Properly Insured
When the at-fault vehicle and its driver do not have any automobile insurance or do not have enough insurance to cover the full cost of damages that result from an auto accident, it is necessary to consider other means for financial recovery.
There are three ways that you collect insurance compensation for a car accident injury caused by an uninsured or underinsured driver. As the injured person in an accident with an uninsured or underinsured driver, you may:
- File a claim under your own insurance policy. Your uninsured or underinsured motorist coverage may provide you with insurance compensation for your accident injuries.
- File a claim under other household automobile policies. People residing in the same household who are related by blood, adoption, or marriage may be able to file a claim pursuant to another household member’s insurance policy.
- File a claim under the policy for the car you were in at the time of the accident. If you were injured as a passenger, then you may be able to recover compensation if the vehicle you were traveling in is insured.
If you’ve been in a crash with an uninsured or underinsured driver, then you may be able to recover compensation for your medical bills, lost wages, pain, suffering, and other damages and you may file the types of claims described above without raising your insurance costs.
Talk to an Experienced Lawyer Without Going to Boston
With offices in Chelsea and Salem, Massachusetts, Spada Law Group, LLC provides Boston quality legal representation without the commute into the city and with free on-premises or validated parking. We are here to answer any questions you may have. Call Spada Law Group, LLC today at 617-889-5000 to discuss your situation. The consultation is free and there is absolutely no obligation to hire us. We are open Monday through Friday from 9 am to 5 pm.