As Massachusetts personal injury lawyers, we see clients in one particular circumstance far too often. A person is seriously injured in a car crash. The at-fault driver carries only minimal insurance. The victim has mounting medical bills, is out of work, needs in-home care, and has nowhere to turn.
Massachusetts only requires drivers to carry Twenty Thousand Dollars ($20,000) in bodily injury coverage on automobile insurance policies. This means that if a driver who carries only minimal coverage seriously injures or kills another motorist, $20,000 may be all that is available for insurance. But it gets worse. Just because there is $20,000 in insurance does not mean the injury victim will recover that amount. It is likely that most- if not all- of the recovery will be eaten up by medical bills, lost wages, and payments to others.
First, Make Sure You Have Enough of Your Own Insurance