Insurance

There is never a good time to get injured in an accident.  However, accidents are a fact of life.  The National Highway Traffic Safety Administration determined that in the year 2000 there were a total of 35,766 fatal car accidents on the roadways across the United States with another 1,593,390 crashes resulting in injuries and 3,621,681 caused property damage. That means a total of at least 5,250,837 collisions happened over the course of a single year. 

To be successful in a personal injury claim, there are three things that you need to have on your side: liability, damages, and coverage.
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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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