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Boston Uninsured Motorist Accident Lawyer

Boston Uninsured Motorist Accident Lawyer

Being involved in a motor vehicle accident in Boston, MA, can be frustrating, especially when the accident is not your fault. Uninsured drivers make matters worse. You should not be liable for the damages caused by a negligent driver.

At Sweeney Merrigan Law, LLP, our Boston uninsured motorist accident lawyers work diligently to get you the compensation you deserve for a personal injury claim. We analyze and investigate each legal cause of action that could result in compensation for damages.

Our legal team has over 100 years of experience handling claims involving motor vehicle accidents. Contact our law office to schedule a free consultation with one of our Boston personal injury lawyers. 

How Our Boston Personal Injury Lawyers Can Help After an Accident with an Uninsured Motorist

Uninsured Motorist

We understand that you and your family have been through an emotional and traumatic experience. Our legal team is sensitive to your situation. We seek to make the injury claims process as efficient and stress-free as possible. 

We have recovered millions of dollars for our clients during our decades of practicing personal injury law in Boston, Massachusetts. While there is never a guarantee that a person will recover compensation for an accident claim, we can promise one thing. We will aggressively and diligently pursue a claim until every legal avenue is exhausted. 

When you hire our legal team, you can expect us to:

  • Analyze your case and develop a strategy for recovering compensation for all damages
  • Investigate your case to determine how you were injured and who caused your injury
  • Document your physical injuries and work with your physicians to determine the extent of your injuries
  • Identify insurance coverage and file insurance claims
  • Negotiate for fair settlement agreements with all parties responsible for your damages
  • File a personal injury lawsuit when the other parties refuse to act in good faith to settle the claim

Contact our office to request a free consultation with a Boston personal injury attorney. Let’s talk about your right to compensation after being injured in a car accident

What Are the Insurance Requirements for Boston Drivers?

Each driver in Boston is required to carry minimum auto insurance coverage. Drivers may purchase higher amounts of auto insurance. They may also purchase optional insurance coverage. 

However, the minimum insurance requirements for Boston drivers are:

  • Bodily Injury Insurance for injury to others – $20,000 per person / $40,000 per accident
  • Personal Injury Protection (PIP) insurance coverage – $8,000 per person/per accident
  • Bodily Injury Caused by an Uninsured Driver – $20,000 per person / $40,000 per accident
  • Property Damage Coverage for someone else’s property – $5,000 per accident

Most insurance agents recommend purchasing the maximum amounts of insurance you can afford. Insurance is one way to protect yourself if you are involved in an auto accident. 

What is Uninsured Motorist Insurance Coverage?

insured driver

Even though Massachusetts requires that all drivers purchase minimum amounts of liability insurance, many drivers disobey the law. They choose to drive without insurance.

Liability insurance compensates accident victims when an insured driver causes an accident. 

Damages available when filing a claim with an insurance company include: 

  • Lost wages, salaries, and benefits
  • Medical costs and expenses
  • Physical injuries, impairments, and disabilities
  • Decreases in future earning potential
  • Mental trauma and emotional distress
  • Physical pain and suffering
  • Decrease in quality of life and loss of enjoyment of life

When an at fault driver causes an accident, the driver’s insurance company is liable for the damages. However, when the at fault driver does not have insurance coverage, the victim may file a claim with their own insurance company. 

Uninsured motorist insurance covers claims from accidents caused by uninsured drivers. Your insurance company “stands in the place of” the at fault driver and compensates you under your uninsured motorist (UM) policy for your damages. 

Insurance Companies May Fight Uninsured Motorist Claims

Insurance Companies

Even though the driver who caused the accident did not have insurance coverage, it does not mean that a UM claim will be easy. Your insurance provider can deny your claim for a variety of reasons.

If you do not file a lawsuit before the statute of limitations expires, the insurance company can deny your claim. Likewise, if you do not have sufficient evidence to prove the uninsured driver caused the crash, your insurance provider may deny the claim. You could be forced to file a lawsuit and go to court to recover compensation by proving a negligence claim.

Your insurance company may raise allegations of comparative negligence. It may claim that you were partially to blame for the cause of the car wreck. If you were 51 percent or more at fault, you would receive no compensation for your claim. Your compensation is reduced if your fault is below 51 percent by the percent of fault you have for causing the car accident. 

Do not assume your insurance company will treat you fairly. You are dealing with an insurance adjuster whose job is to limit the company’s liability. Call a Boston car accident lawyer to discuss your case before making statements or answering questions for an insurance adjuster. 

Schedule a Free Consultation With Our Boston Uninsured Motorist Accident Lawyers

Our Boston car accident lawyers handle claims for accidents throughout the greater Boston area and Suffolk County. Contact our office to schedule a free consultation with one of our experienced Boston uninsured motorist accident lawyers. 

Remember not to provide sensitive or personal identification information when submitting a contact form, text message, or voicemail.

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