Car Accidents - Uninsured Motorist Coverage
Uninsured motorist coverage acts to protect those injured in the victim's car when the party at fault has either no coverage or very minimal coverage. In Massachusetts, this kind of coverage falls in the Underinsurance Coverage category. In RI however, it is simply placed on Uninsured Motorist Coverage; which is an elective coverage, meaning that if you fail to request it your policy will not have this kind of coverage available to you in an accident.
If you happen to be the passenger in a vehicle that is not at-fault for the accident and you have already collected medical payments and uninsured motorist from your own policy, you may also collect medical payments and underinsured/uninsured motorist coverage from your own policy.
You should review your own insurance coverage periodically to make sure that you have adequate amounts to replace your vehicle or cover medical payments in an accident situation. If you find that you are concerned, adding uninsured motorist coverage can be done for minimal additional cost in many cases.
The lawyers at Karns & Kerrison are extremely experienced in handling car accidents and have been doing so since 1974. Karns &Kerrison would be happy to review your car insurance policy with you to make certain that you have enough coverage. If you are injured in a car accident and want experienced representation for your personal injury claim contact Karns & Kerrison at any one of their convenient RI locations for a free consultation or more information.