Driving in the Boston area can be stressful and intimidating. Most drivers do their best to drive with caution and care, and they carry insurance to make sure they are covered in case something goes wrong.
Sadly, not every driver is careful, and sometimes even decent drivers have a careless moment behind the wheel. As a result even drivers who are doing everything correctly can end up in a car accident. These accidents can be very devastating. People may completely destroy their vehicles and suffer significant injuries as a result. These damages can be very costly for the victim. That is why it is also a law that every driver needs to have motor vehicle insurance to pay for the damages they may cause. However, just like every driver does not always follow the traffic laws, not every driver has insurance for their vehicles.
If an uninsured or underinsured driver causes an accident, they will generally not have the money to pay for the damages out of their own pocket. This can leave the victim in a difficult position trying to figure out how to pay for the damages.
How uninsured/underinsured motorist coverage helps
People who are in an accident with an uninsured driver may still be able to recover damages through their own insurance company if they have uninsured motorist coverage. If people need to use this they will work with their own insurance company instead of working with the other driver’s insurance company to receive their compensation.
Just because it is their own insurance company though it does not mean that they will automatically receive everything they want. Typically, people’s own insurance company will conduct a similar investigation as any other insurance company and people may find themselves fighting with their own insurance company for the amount they deserve.
The aftermath of a car accident can have turn life upside-down for the injured and their whole families. If they suffer significant injuries they may be in the hospital, need surgeries and lengthy rehabilitation. This can both time consuming and costly for the victim. The hope is that the other driver will have insurance to pay for the costs, but that is not always true. People may need to use their own uninsured/underinsured coverage to receive the compensation. This compensation can be very important as people recover and consulting with experienced attorneys could be helpful.