Uninsured/Underinsured Motorist Coverage

As a responsible driver, you already purchase the auto liability coverage mandated by Massachusetts and Connecticut state law. But what if you get in a car accident with one of the estimated 1 in 8 American drivers who don’t have auto insurance? Having an uninsured or underinsured motorist policy from O’Connor Insurance Agency can help keep you covered.

As part of a required auto insurance package, both states set minimum limits for Uninsured Motorist Bodily Injury (UMBI) coverage. This will help pay for medical expenses for you and your passengers if an uninsured motorist is at fault or if you are in a hit-and-run situation. These minimum limits of $20,000/person and $40,000/accident can be easily exceeded by expensive medical bills, however. Furthermore, UMBI does nothing to pay for damages to your car or property.

That’s why O’Connor Insurance recommends that you include additional uninsured or underinsured motorist coverage in your car insurance portfolio. (Underinsured motorist coverage is a separate policy, designed to protect you if another at-fault driver has insurance but didn’t purchase sufficient limits to cover your expenses.) This extra coverage can not only help cover your medical and property damage costs, but also eliminate the hassle and delays involved in wrangling with another negligent driver’s insurance company.

Don’t leave yourself vulnerable to another driver who didn’t plan ahead. Contact O’Connor Insurance today to speak with one of our agents about the right uninsured or underinsured motorist policy for you.