Understanding U-Coverage In A Massachusetts Auto Insurance Policy

Auto insurance is a protective measure that is designed to provide you with financial assistance in the event that you are involved in a traffic accident. You may think that this coverage is intended primarily to cover damages if you are at fault. However, there are several components available to you that can offer you compensation for medical costs and other damages when you are the victim.

For example, two components involve uninsured and underinsured coverage — often referred to in Massachusetts as U-coverage. These types of coverage can help you pay for the medical care you need if you are injured in a collision with a motorist who is not carrying any insurance or who is not fully insured.

Have you been hit by an uninsured/underinsured driver? Contact The Law Offices of Joseph J. Cariglia, P.C., through our website or by calling toll free at 866-491-6561.

U-Coverage In Massachusetts

It is important to understand that uninsured and underinsured coverages are treated differently. State law requires you to carry insurance coverage for damages that have been caused by an uninsured motorist. According to the Attorney General of Massachusetts, the minimum coverage required is $20,000 per person and $40,000 per accident.

Underinsured coverage is optional in the state of Massachusetts. Underinsured motorist coverage may assist you if you have been involved in an accident where the cost of your damages exceeds the coverage limit of the other driver's policy.

Let Us Help You Manage Your Auto Insurance Issues

The lawyers at The Law Offices of Joseph J. Cariglia, P.C., are ready to listen to the unique details of your auto accident case. We advocate for you to maximize the amount of compensation you may receive for your injuries, property damage and lost wages from the insurance companies involved.

Our Worcester, Massachusetts, firm has been assisting victims of auto accidents throughout the state, as well as those in Connecticut and Rhode Island, for over 50 years. Contact us by phone toll free at 866-491-6561 to schedule a free initial consultation, or use our convenient online form.