Serving Massachusetts and New Hampshire Including the Merrimack Valley

Call us: 978-374-4736

Is it important to have uninsured motorist coverage?

If you’re injured in an auto accident, one of the worst nightmares you can face is not being able to pay your medical bills. Massachusetts residents who have been in an accident through no fault of their own may assume they’re covered by the other party’s insurance policy. Unfortunately, this is not always the case. Just because a minimal amount of auto insurance is required by law doesn’t mean that people abide by this law. And in many cases, the lowest liability coverage may not be enough to cover the medical expenses of someone who was hurt in a car accident.

Fortunately, Massachusetts has the lowest number of uninsured drivers in the country at only 4 percent, the Insurance Information Institute states. Even so, it’s impossible to predict if the driver who causes a car accident is going to be one who’s uninsured. Is there any way to further protect yourself if the person who hurts you is uninsured or underinsured?

The answer is uninsured and underinsured motorist protection. Simply put, this coverage is meant to help pay your medical bills if the other driver’s lack of insurance or inadequate coverage doesn’t. There are varying coverage amounts to these policies, usually ranging from several thousand dollars to $1 million. The type of coverage to pick depends on what you can afford, what your own auto insurance covers, your own medical insurance and what you imagine your medical bills may be like if you’re seriously injured.

No matter which type of coverage you choose, an uninsured or underinsured motorist policy may give you peace of mind.

OFFICE LOCATION


FINBURY & SULLIVAN, P.C.
55 Ginty Boulevard Haverhill, MA 01830
Phone 978-374-4736, Fax 978-521-5307

E-mail Us | Haverhill Law Office Map | Sitemap