What Are My Options After a Car Accident Involving an Uninsured or Underinsured Motorist in MA or RI?
Your options for pursuing compensation when the motorist who caused your accident is uninsured or underinsured can vary depending on several factors. If you live and drive in Massachusetts, just as you’re required to purchase PIP insurance, you’re also required to purchase uninsured motorist bodily injury (UMBI) coverage. This form of coverage kicks in when you can’t seek compensation from a negligent motorist because they lack sufficient insurance.
The situation may be tricker in Rhode Island. In Rhode Island, drivers have the option to purchase uninsured motorist coverage when buying insurance policies. However, there is no requirement that they do so. If you didn’t purchase such coverage, seeking compensation through your own policy likely won’t be an option.
That doesn’t mean you have no other legal recourse. You may be able to file a lawsuit to pursue damages in court. You might consider this option if you have reason to believe the liable party has sufficient financial means or assets to compensate you themselves.
Consider reviewing your case with a legal professional after an MA or RI car accident involving an uninsured or underinsured motorist. An attorney familiar with the applicable laws can go over the details of your case and explain your legal options.
The Importance of Legal Representation in Uninsured and Underinsured Motorist Cases
Even if you have the option of filing a claim with your own insurance, enlisting a lawyer’s help may still be a wise idea. First, insurance adjusters often attempt to settle claims for as little money as possible. A lawyer can help you negotiate for a fair settlement.
The claims process may also involve various tasks. Examples include coordinating with doctors to gather copies of your medical records, adding up your compensable losses to determine how much compensation you may be eligible to receive, completing and submitting claim paperwork, and more.
Tending to such tasks yourself isn’t necessary. Right now, your focus needs to be on getting proper rest. Adding to your burdens by attempting to pursue compensation on your own could prevent you from making as speedy a recovery as possible.
That doesn’t need to happen. At Swartz & Swartz, P.C., a Boston car accident lawyer is on hand to offer the representation you need. If you’ve been hurt in a car accident in MA or RI, and you’ve discovered the negligent driver who injured you lacks insurance, meet with one of our lawyers to find out how you should proceed. Get started today by contacting us online or calling us at (617) 742-1900 for a free case review.