Resolving Claims for Accidents with Uninsured Motorists
Massachusetts enjoys one of the lowest rates of uninsured motorists in the country, with only about 7 percent of Bay State drivers lacking car insurance. If you happen to get into an accident caused by an uninsured driver, however, your chances of recovering damages on your own from the other motorist are practically nonexistent. Far more common, and often as problematic, are accidents with drivers whose liability insurance limits fall short of the amount you need to recover.
Contact Boston personal injury lawyer Steve Topazio if you have been in an accident with an uninsured or underinsured motorist. His knowledge of Massachusetts auto liability law and experience with the uninsured/underinsured driver coverage provisions of your own insurance policy can help you recover the damages you need from your own insurer in the aftermath of a severe car accident.
When the value of your losses exceeds the coverage limits of the other driver's insurance — or if the other driver has no insurance at all — you have the right to compensation under your own uninsured motorist/underinsured motorist (UM/UIM) coverage, if you had the foresight to choose this option when you bought your policy.
In cases involving uninsured motorists, you can expect to encounter the same opposition from your own insurer that you would from an insured driver's liability coverage carrier. Your own insurer will defend the claim on the usual grounds: that the accident was mainly your own fault, that your damages claim is overstated and under documented, or that your compensation should be reduced by a percentage representing a degree of fault on your part.
Underinsured coverage claims will usually turn on the amount of damages, or in some cases, on your eligibility for the underinsured motorist benefit to begin with. At the law firm of Steven J. Topazio, Attorney at Law, our experience with insurance companies on claims of all kinds can help you avoid mistakes and resist the inevitable pressure to settle your claim on the cheap. We take the time to investigate and present your case properly so that the insurance company has no practical choice but to consider and settle your case fairly. If not, our trial experience and skill with the proof of disputed facts can give you a significant advantage in court.
Don't be intimidated by the complexities of uninsured and underinsured motorist coverage. For the advice of a lawyer who knows how to handle UM/UIM cases, contact the Boston office of Steven J. Topazio, Attorney at Law.
