If you’re hit by an uninsured driver, here’s what to do
Call the police and report the incident.
Seek medical attention even if your injuries don’t seem serious. This will help ensure that any potential expenses related to your injury can be covered by insurance or through a lawsuit against the driver.
Get as much information from the other driver as possible, such as their name, license plate number, and car details.
It’s important to contact your own insurance provider and make them aware of the incident. Uninsured drivers can be held financially responsible for any damages or injuries that occurred as a result of their negligence, so you may be eligible for coverage through your insurance provider.
If you are unfortunate enough to be in an accident with an uninsured driver, it’s crucial to know your rights
If you have been injured in an accident involving an uninsured motorist in Boston, Massachusetts, you may be entitled to compensation for your damages under the state’s Uninsured Motorists Coverage Law.
Under this law, all drivers are required to carry a minimum of liability coverage. However, if someone fails to comply with this obligation and causes an accident, the injured victim may be able to file a claim against their own insurance company or with the Uninsured Motorists Coverage Fund in Massachusetts.
The Uninsured Motorists Coverage Law was designed to provide financial protection for victims of accidents caused by uninsured drivers. Yet, there are two limitations to what you can recover. To qualify for coverage, you must show that:
- The accident was caused by an uninsured driver.
- Your damages were above the amount of liability coverage carried out by the responsible party.
If you can meet these criteria, then you may be eligible for compensation for medical bills, lost wages, pain and suffering, and other expenses related to the accident.
It is important to remember that filing a claim with the Uninsured Motorists Coverage Fund can be complicated and time-consuming. Therefore, it is recommended to seek assistance from an experienced uninsured motorist accident attorney who can help you understand your legal rights and ensure that you receive full and fair compensation for your losses.
What are the minimum insurance requirements for Boston motorists
Boston motorists must have the following minimum car insurance coverage to drive legally:
- Bodily Injury Liability Coverage of at least $20,000 per person and $40,000 per accident.
- Property Damage Liability Coverage of at least $5,000.
- Uninsured/Underinsured Motorist Coverage of at least $20,000 per person and $40,000 per accident.
- Personal Injury Protection (PIP) coverage of at least $8,000.
- Collision Coverage with a deductible of no more than $500.
Drivers should also be aware that Massachusetts is a no-fault state. This means that if you are involved in an accident, your auto insurance policy will cover the cost of the damages regardless of who was at fault.
