MA Auto Insurance Coverage for Bodily Injury Caused by an Uninsured Auto

bodily injuryMA auto insurance coverage for bodily injury caused by an uninsured auto protects against losses caused by an uninsured auto or unidentified (hit-and-run) driver. It protects you, anyone you allow to drive your car, members of your household, and passengers in your car. The coverage does not apply if the accident is covered by another Massachusetts policy with similar coverage.

Likelihood of Being Involved in an Accident with an Uninsured Driver

The Insurance Research Council estimates that 1 in 25 drivers in Massachusetts are uninsured. This is the lowest percentage in the nation, but there is still a risk of being involved in an accident with a uninsured driver. If you drive your vehicle in other states, your likelihood of being involved in an accident with an uninsured driver will be higher. In the state of Massachusetts, this coverage for bodily injury caused by an uninsured driver is required by law.

MA Auto Insurance Coverage for Bodily Injury Caused by an Uninsured Auto

A minimum coverage of $20,000 per person and $40,000 per accident is required for MA auto insurance policies. This coverage pays for medical expenses and lost wages (or your ability to earn wages) plus pain and suffering relating to an accident involving an uninsured auto. Note that this particular coverage does not include payment for property damage or damage to your car. That is covered under a different section of your insurance policy. As with most auto insurance coverage options, it may be worthwhile to increase the minimum coverage limits to a much higher amount. Losses can be dramatically more than $20,000 per person, especially in a major accident.

Advice on Auto Insurance Policy Options

For guidance on your auto insurance policy coverage and limits, speak to a local insurance agency. Eagle Trust Insurance is located in Somerville, MA and services all of Massachusetts. We are happy to provide you with information and a free quote!