Uninsured Motorist Coverage
Coverage #3 on your Massachusetts Auto Policy deals with you being hit by someone who is uninsured. According to a 2009 national study by the Insurance Research Council they found that one in six drivers across the U.S. may be driving uninsured. That is almost 17% of all drivers! Now, Massachusetts is a compulsory auto insurance state, but some are still driving with plates that have been cancelled due to insurance that has not been paid and/or renewed. I’m sure that you are not aware that N.H. is a non compulsory auto insurance state. There is a rule for financial responsibility in N.H., but if you are not required to have car insurance or do not have a car loan on the vehicle – that individual may not have the insurance to take care of your injuries when he/she hits you. The tough part of this coverage is you may have great health insurance coverage, but is that enough? Since we are a compulsory auto insurance state, the cost to upgrade your coverage is pretty reasonable.
If you have any questions about this or any other coverage, don’t hesitate to call me or the Shaw Insurance staff : Mon-Fri 8-4