Car accidents occur all over Massachusetts on a regular basis. While many are minor, some can cause significant damage and personal injury. Since so many drivers are involved in accidents, it is legally required to carry car insurance to compensate others. However, many drivers carry only the minimum amount of insurance coverage required, or fail to insure their vehicles at all. What is a driver supposed to do when the driver that is liable for an accident does not have the proper insurance coverage to compensation for damages?
Can I file an insurance claim if a driver is not adequately covered?
Even with mandatory minimum insurance amounts, the amount of damage caused by a car accident is rarely covered in full. When this occurs, a driver can make a claim under the uninsured/underinsured motorist provisions of their own insurance policy.
A claim can be made against the other driver through:
- Uninsured motorist coverage: This option will allow you to obtain the necessary coverage when the other driver does not have liability insurance.
- Underinsured motorist coverage: This coverage fills in the gap between your real property damage and personal injury expenses and the amount of coverage the driver has.
Once you have discovered if you are dealing with an underinsured or uninsured driver, you can make a claim for financial compensation. Many times, the ability to file for a claim is extremely limited, which is why acting quickly makes a huge difference.
If you or a loved one have been involved with an accident with an uninsured/underinsured driver, you will need the help of a personal injury attorney to get the compensation you deserve. From contacting car insurance providers and taking legal action against the other driver, there are many options you can pursue with the assistance of a legal advocate.