Springfield Uninsured & Underinsured Motorist Attorneys

In every state, drivers are required to have insurance coverage in case they cause an accident. Unfortunately, however, many people drive with no insurance. If an uninsured driver harmed you in an accident, the Springfield uninsured & underinsured motorist attorneys at Cava Law Firm may be able to help you recover the compensation you deserve.

Car Insurance and Massachusetts Car Accidents

Massachusetts requires you to carry more kinds of car insurance than many other states. Notably, minimum insurance requirements go beyond liability insurance — they also require you to carry a certain amount of insurance to pay for your own injuries if you are involved in a car accident, regardless of who is at fault. The state requires you to have four kinds of car insurance:

Bodily Injury to Others (Liability)

This is liability coverage that pays for medical bills if you injure or kill someone while driving. You must have a policy that covers at least $20,000 per person and $40,000 per accident. It is important to understand that this coverage does not apply if someone who is in your own car is hurt or killed.

Property Damage (Liability)

This coverage will pay for damage you accidentally cause to someone’s car or other property. You legally must carry at least $5,000 of this coverage.

Personal Injury Protection (PIP)

Massachusetts is a no-fault state, which means every driver is required to carry this coverage. You must carry a minimum of $8,000 of PIP, which can cover up to 75% of your lost wages, your medical costs, and some necessary services.

Bodily Injury Caused by Uninsured Auto

This kind of insurance pays for your injuries if you are hit by an uninsured or underinsured driver. Just like bodily injury liability insurance, you must carry at least $20,000 of coverage per person and $40,000 per accident. When you have this kind of coverage, it can help pay for your medical bills and other expenses. However, if you are in a very serious accident, you may have more medical bills than your insurance will cover — meaning you need the services of an experienced attorney to help you recover additional damages.

Who Do You Pursue for Damages?

You Have Options Even if the Other Driver Has No Insurance

Massachusetts car insurance laws are designed to make sure that if a car accident occurs, injured people can receive medical care and property can be repaired on both sides of the crash. When one driver does not have enough insurance (or does not have any insurance at all), covering those costs is more difficult. However, an underinsured motorist attorney may be able to help you recover damages by:

• Filing a suit against the uninsured driver if they have sufficient assets;
• Filing a claim with your own insurance company; and/or
• Filing a claim against other at-fault parties.

Not every accident will have other at-fault parties. However, in some cases, your underinsured motorist lawyer might determine that a mechanical defect in either car, a poorly maintained roadway, or something else caused the accident (at least in part). Filing claims against these parties may not cover all of your damages, but it might cover some.

FAQ

You might have questions before consulting a Springfield uninsured motorist attorney. These are some of the most common questions our clients ask:

Why do I need a lawyer for an insurance claim?

When you file a claim with your insurer, they almost never hand over the full amount of your claim. A Springfield underinsured motorist attorney can negotiate with the company and take the case to arbitration if needed.

What insurance company do you file a claim against if you are hit by an uninsured or underinsured driver?

If the driver who hit you has any insurance at all, your attorney will start by filing a claim with their insurance. If they do not have enough coverage to pay for your damages, your attorney may then file a claim with your insurance company. If the at-fault driver has sufficient personal assets, your legal team may also sue them directly.

How much will I have to pay for an attorney?

We work on a contingency basis, which means you pay nothing up front. If we win your case, you pay us a portion of the money you recover. If we do not win, you pay nothing. When we initially discuss your case with you, we will be able to tell you more about how our contingency fees work.

Is driving without insurance a crime in Massachusetts?

Yes. Driving without insurance is a misdemeanor crime, and a driver convicted of it may have to pay a fine of up to $5,000 and spend up to a year in jail.

Understanding your case can be difficult. However, if you have been injured by an uninsured motorist, our lawyers take the time to make sure you understand where your case stands at any given point. Any time you have questions about your potential, current, or past case, please do not hesitate to ask.

Why Choose Us?

Winning Is NO Accident!

Popular culture sometimes makes it seem like personal injury cases are quick and easy. The truth is that these cases depend on the circumstances, but having an experienced personal injury attorney is essential if you want a positive outcome. Protect yourself and your loved ones when buying insurance, get additional coverages on your own policy in case you become injured by an uninsured or underinsured driver. At Cava Law Firm, our lawyers take the time to craft a personalized case for every single client.