Here at Vargas and Vargas Insurance agency, we pride ourselves in providing the best auto insurance policies available to our clients. As a part of this goal, we want to make sure that your car insurance has coverage for underinsured motorists.
You should know if this coverage is included in your policies, and also know why this coverage is essential to all drivers. If you don’t, here are a couple of Frequently Asked Questions (FAQs) that we get about underinsured motorists and how they affect your Massachusetts car insurance:
What is an underinsured motorist?
In the simplest possible terms, an underinsured motorist is someone that doesn’t have enough car insurance to cover the expenses of a car accident where they were at fault. Similarly, an uninsured motorist is someone who (illegally) is driving without insurance coverage for their vehicle.
What happens if an underinsured driver hits me?
If you are in an accident, and an underinsured (or uninsured) driver was at fault, you may have issues getting your insurance provider to pay to repair your vehicle or pay medical bills.
While there are minimum amounts of liability insurance that Massachusetts motorists must purchase, it is not always guaranteed that a driver with the minimum amount of coverage will be able to fully cover the damage of an accident that they cause. Unfortunately, there is always the chance that you will be involved in a crash where the other driver is at fault and is unable to fully cover the damages that they cause with their car insurance policy.
What does underinsured motorist coverage typically include?
When you have underinsured motorist coverage as a part of your Massachusetts auto insurance policy, you are guaranteed to be financially protected by your insurance provider if the driver at fault isn’t able to cover the damage. This means that you won’t have to worry about having your car repaired or your medical bills paid if you get into an accident, because you will always be covered – even if the other driver isn’t!
In addition to covering car repairs and medical expenses, some underinsured motorist coverage options also include coverage for other miscellaneous bills or expenses that you run into because of an accident, sometimes even including medical coverage for passengers of your vehicle, pain and suffering caused by the accident, and lost wages.
What about “Hit and Run” accidents?
In most cases, if another driver hits you and then flees the scene, they will be considered an uninsured motorist. This means that an underinsured/uninsured motorist addition to your current Massachusetts auto insurance policy can protect you from the potential financial burden of a “hit and run” accident!
How can I get underinsured motorist coverage?
That’s easy! Just call 617-298-0655 and speak to a Vargas and Vargas Insurance Agency representative. One of our agents will be happy to review your current policy and make sure to upgrade your coverage so that you have the best auto insurance possible. It’s always our pleasure to help our customers, so don’t hesitate – call now!
