Insurance

For a long time in the legal world, there has been a bias that juries in certain counties in Massachusetts will not award verdicts of higher amounts.  Several of these counties are located in the South Coast and Cape Cod area.  Insurance companies and defense counsel have used this bias (which, to be fair, is sometimes a reality) in making unreasonable settlement offers to personal injury plaintiffs.  A jury in Plymouth Superior Court recently made a big statement that these counties may be willing to award the big verdict by awarding a trip and fall victim in Plymouth County a verdict of $1,437,314.00.
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In Massachusetts, it is essential that individuals obtain sufficient insurance coverage in the event that they are injured in an accident caused by an uninsured or underinsured driver.  Specifically, under a standard auto insurance policy, Uninsured (UM) and Underinsurance (UIM) coverage provide the named insured as well as household members, operators, and passengers of an insured motor vehicle benefits in the event they are involved in an automobile accident with a driver that causes the accident but has no bodily injury insurance coverage or not enough insurance to cover your damages.  

In Massachusetts, it is mandatory for an insured to have limits of at least twenty thousand dollars ($20,000.00) per person and forty thousand dollars ($40,000.00) per accident for uninsured coverage.
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