Jump to Navigation

Buy Underinsurance Benefits

It always amazes me when a car accident victim comes to my office and eventually shows me their Declarations Page which identifies their own automobile insurance coverages.  They may have purchased large coverage for property damage [for their own vehicle] but, unfortunately more times than not, they have no, or minimal, underinsurance coverage.

Underinsurance coverage is optional [Part 12 on your Declarations Page] and you can elect not to buy any.  However, that is a mistake-  it is not too expensive and it is the coverage which will protect you [or maybe a household member] in the event you get in an accident and the at-fault party does not have sufficient insurance coverage to compensate you for your injuries.  Please note that there is a set-off from the available Bodily Injury ["BI"] Limits which the at-fault party has, meaning that if you have $50,000.00 in Underinsurance Benefits and the at-fault party has only the minimum legally-required BI coverage here in MA, i.e., $20,000.00, you will be entitled to collect up to $30,000.00 from your own underinsurance carrier.  Therefore, be aware that purchasing $20,000.00 in underinsurance benefits provides little, to no, insurance protection for you.

Talk to your insurance agent about purchasing underinsurance benefits-  price it out and I think you will be surprised how affordable it is [as well as the advantages of having it].  In addition, you can always speak with an experienced tort attorney who specializes in insurance law to make sure that you and your family are adequately protected.

No Comments

Leave a comment
Comment Information
FindLaw Network
Need Legal Assistance?

Contact us to discuss your insurance claim dispute or tort litigation matter with one of our lawyers today.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Subscribe to this blog's feed
Office Location

Harris & Associates, P.C
15 Broad Street, Suite 701
Boston MA 02109

Telephone: 617-523-1100
Telephone: 617-275-2226
Fax: 617-523-2060

  • Avvo Rating 100 Superb Top Attorney Personal Injury
  • Massachusetts Bar Association
  • Peer Review Rated