Getting hit by an uninsured driver in Boston, Massachusetts creates a different kind of crisis than a typical car accident.

In addition to your injuries and property damage, you now have to deal with a lot of questions about your insurance coverage, policy limits, and possible disagreements with your own insurance business, the same company you’ve been paying to protect you.

This is why Massachusetts requires all drivers to have uninsured motorist coverage, but insurance companies don’t make it easy to get what you deserve. They scrutinize every detail, request extensive paperwork, and often treat their own policyholders as adversaries when it’s time to pay a claim.

Without the assistance of our experienced Boston uninsured driver accident lawyers, you run the risk of getting a lot less than your case is worth or having your claim denied altogether.

Our legal team at The Law Office of Burns Jain know how hard it can be to file a claim for an uninsured driver. We know what evidence to keep, how to document your damages properly, and most importantly, how to keep insurance companies from taking advantage of you when you’re already going through a tough time.

Because our uninsured driver accident attorneys in Boston have worked on these cases before, we can help you through the process quickly while ensuring you receive every dollar you are owed under Massachusetts law. Contact us today for a free case evaluation.,

How The Law Office of Burns Jain Assists After an Uninsured Driver Accident in Boston

When an uninsured driver hits you in Boston, we immediately step in to protect your rights and secure the compensation you deserve. Our attorneys understand that dealing with your own insurance company after an accident caused by another driver’s negligence can be frustrating and confusing.

We take care of every part of your claim for an uninsured motorist from beginning to end. Our team investigates the accident scene, preserves key evidence such as traffic camera footage, and carefully documents your injuries. We talk directly to insurance adjusters so they can’t take advantage of your situation.

Don’t try to handle this on your own. Contact us right away for immediate legal assistance from our experienced Boston uninsured driver accident lawyers.

Who Pays After a Crash With an Uninsured Driver in Massachusetts?

Your own auto insurance policy becomes your lifeline when an uninsured driver injures you in Massachusetts. The state requires all drivers to carry Uninsured Motorist coverage specifically for these situations, so you’re not left without recourse.

Payment typically comes from your UM coverage first, then, if you don’t own a vehicle, from household member policies. In rare cases, you might pursue the at-fault driver’s personal assets, though most uninsured drivers lack significant resources to pay a judgment.

Massachusetts law, under M.G.L. c. 175 §113L, mandates this coverage precisely because approximately one in ten drivers operate without insurance. Your UM policy essentially substitutes for the coverage the negligent driver should have carried.

What Is Uninsured Motorist Coverage in Massachusetts?

Uninsured Motorist coverage is mandatory insurance that protects you when someone without insurance injures you. This coverage applies whether the other driver has no insurance at all or flees the scene in a hit-and-run accident.

UM coverage differs from Underinsured Motorist protection, which applies when the at-fault driver has some insurance but not enough to cover your damages. We strongly recommend purchasing higher Uninsured Motorist (UM) limits to ensure you have adequate protection.

This coverage only applies to bodily injuries, not property damage to your vehicle. Property damage typically falls under your collision coverage, which may have a separate deductible.

Who Is Covered Under UM After a Boston Crash?

UM coverage extends protection beyond just the vehicle owner to include family members and passengers. You’re covered whether you’re driving your own car, riding as a passenger, or even walking as a pedestrian when an uninsured driver strikes you.

Coverage applies to household members, even if they’re driving someone else’s vehicle at the time of the accident, regardless of the vehicle owner’s responsibility. If you’re visiting Boston and get injured by an uninsured driver, your home state’s UM policy typically provides coverage.

The key is establishing that an uninsured motorist injured an insured person. We help determine which policies apply and coordinate benefits to maximize your recovery.

How Does PIP Work in Massachusetts and How Does It Affect Your UM Claim?

Personal Injury Protection provides immediate no-fault benefits up to $8,000 regardless of who caused the accident. PIP covers medical expenses and 75% of lost wages without requiring you to prove the other driver’s fault first.

The payment structure works systematically: PIP pays the first $2,000 of medical bills directly. After that, your health insurance becomes primary, with PIP covering remaining co-pays and deductibles up to the $8,000 limit.

PIP benefits don’t reduce your UM claim; they’re separate coverages designed to work together. While PIP provides immediate relief, your UM claim addresses the full scope of damages, including pain and suffering.

What to Do After a Crash With an Uninsured or Hit-and-Run Driver

Immediate action is vital to protect your health and legal rights after an accident with an uninsured or hit-and-run driver.

Call 911 and Get Medical Care

Call 911 immediately so a police report can be created as evidence for your uninsured motorist claim. Prompt medical care ensures all injuries are documented and professionally linked to the crash.

Document the Scene

Photograph all vehicle damage, your injuries, and the crash site, including skid marks and traffic signals. If the driver is present, secure their name and license details; if they claim to have insurance, verify it independently.

Secure Witness and Video Evidence

Collect contact information and statements from witnesses to support your version of events. Because security and traffic camera footage is often deleted within 30 days, we act quickly to preserve this data through legal requests.

Need help with your UIM car accident claim? Contact our skilled Boston car accident lawyers today.

What if It were a Hit-and-Run in Boston?

Hit-and-run accidents qualify for UM coverage, but Massachusetts law requires physical contact between the fleeing vehicle and you or your car.

Evidence of contact includes paint transfer, vehicle debris, or damage patterns that prove impact occurred. Even minor contact satisfies this requirement if it causes injury.

Police reports become especially important in hit-and-run cases. The responding officer’s documentation of the scene, your injuries, and any physical evidence helps establish the elements needed for your UM claim.

What Damages Can You Recover Through UM Coverage?

Your UM claim should provide the same compensation available if the at-fault driver carried adequate insurance. Massachusetts law ensures that your coverage doesn’t leave you worse off than if the negligent driver were insured correctly.

We pursue full compensation for all your accident-related losses:

• Medical Expenses: All treatment costs from emergency care through future surgeries and rehabilitation.
• Lost Income: Both wages lost during recovery and reduced future earning capacity from permanent injuries.
• Pain and Suffering: Compensation for physical discomfort and emotional trauma caused by the accident.
• Permanent Impairment: Additional damages for lasting disabilities or disfigurement.

Your policy limits determine the maximum available, which is why we always recommend purchasing higher UM limits than the state minimum.

How Long Do You Have to File a Claim in Massachusetts?

Time limits for UM claims involve both state law and your insurance contract requirements. The statute of limitations for personal injury lawsuits in Massachusetts is three years under M.G.L. c. 260 §2A, but your insurance policy imposes much shorter deadlines.

Most policies require “prompt” notice of accidents, typically within 30 days. Failing to provide timely notice can void your coverage entirely, leaving you with no recourse for compensation.

We recommend contacting a Boston uninsured driver accident lawyer immediately after any accident with an uninsured driver. Early legal involvement ensures all deadlines are met and evidence is preserved while it’s still available.

What if the Insurer Acts Unfairly? Using Chapter 93A and 176D

Insurance companies must handle claims fairly and in good faith under Massachusetts consumer protection laws. When insurers unreasonably deny, delay, or undervalue legitimate UM claims in personal injury cases, they violate Chapters 93A and 176D.

Bad-faith conduct includes failing to properly investigate claims, denying coverage without a reasonable basis, or pressuring injured people to accept inadequate settlements. We can pursue additional damages beyond your original claim when insurers act unfairly.

Successful bad-faith claims can result in double or triple damages, plus attorneys’ fees. This potential exposure encourages insurers to handle claims fairly from the outset.

Why Choose The Law Office of Burns Jain for a Boston UM Claim

The Law Office of Burns Jain has extensive experience handling complex insurance disputes and personal injury cases throughout Massachusetts. Our attorneys understand the tactics insurers use to minimize payouts and how to counter them effectively.

We provide personalized attention that larger firms cannot match. You work directly with Attorney Neil Burns or Attorney Roshan Jain, not with paralegals or case managers who may lack the experience to handle complex UM matters.

Our contingency fee structure means you pay nothing unless we recover compensation for you.

Where We Handle UM Cases in Massachusetts

The Law Office of Burns Jain represents injured clients throughout Massachusetts, with particular focus on Boston and surrounding communities. We regularly handle cases in Suffolk Superior Court, Boston Municipal Court, and various district courts across the Commonwealth.

Our experience extends to arbitration forums where most UM cases are ultimately decided. We know the arbitrators, understand their preferences, and present cases in ways that maximize our clients’ recovery.

Whether your accident occurred in downtown Boston, Cambridge, Somerville, or anywhere else in Massachusetts, we have the local knowledge and relationships to handle your case effectively.

Talk to a Boston Uninsured Driver Accident Lawyer Today

Being injured by an uninsured driver shouldn’t leave you facing financial hardship on top of physical recovery. The Law Office of Burns Jain handles all personal injury cases on a contingency fee basis—you pay nothing unless we win.

We offer free consultations to evaluate your case and explain your options clearly. Our Boston uninsured driver accident lawyers will review your insurance coverage, assess your damages, and develop a strategy to maximize your recovery.

You’ve already been through enough. Let us handle the insurance company. Call The Law Office of Burns Jain at (617) 227-7423 or contact us online for your free, confidential consultation.

Uninsured Driver Accident FAQ

Will My Massachusetts Insurance Rates Increase After Filing a UM Claim When I’m Not at Fault?

No, Massachusetts law prohibits insurance companies from raising your rates for claims where you were not at fault. Your premiums should remain unchanged after filing a legitimate UM claim.

Can Pedestrians and Cyclists Use UM Coverage After Being Hit by Uninsured Drivers?

Yes, pedestrians and cyclists can file UM claims under their own auto insurance policies or household member policies.

Must There Be Physical Contact With a Hit-and-Run Vehicle for UM Coverage to Apply?

Generally, yes, Massachusetts requires physical contact between your vehicle or person and the hit-and-run vehicle. Limited exceptions exist when independent witnesses can corroborate the accident details.

How Quickly Must I Report an Uninsured Driver Accident to My Insurance Company?

You should notify your insurer as soon as possible, typically within 30 days. Delayed reporting can provide grounds for the company to deny your claim entirely.

Will I Be Required to Give Recorded Statements or Attend Medical Exams for My UM Claim?

Your policy likely requires cooperation with reasonable requests, including recorded statements, examinations under oath, and independent medical examinations. Never comply without first consulting an experienced  Uninsured Driver Accident Lawyer.