Uninsured Motorist Coverage: Essential Protection for Every Driver
At Boufford Insurance, we understand that navigating auto insurance can feel overwhelming, but protecting yourself and your family on the road is crucial. One essential coverage option is uninsured motorist and underinsured motorist insurance, which is required in Massachusetts and strongly recommended in New Hampshire.
However, it’s important to note that this coverage only protects you up to the limits you select. The amount you choose for your UM/UIM coverage directly determines how much financial protection you will have if you’re involved in an accident with an uninsured or underinsured driver.
Massachusetts: Mandatory Uninsured Motorist Coverage
In Massachusetts, drivers are legally required to carry uninsured motorist coverage. This coverage protects you if you’re in an accident with a driver who doesn’t have insurance. The state mandates this to ensure that every driver has at least some protection in case they’re hit by an uninsured motorist.
New Hampshire: The Unique Insurance Landscape
New Hampshire stands out because it doesn’t require drivers to carry auto insurance. However, if you cause an accident, you must demonstrate financial responsibility for any damages. While insurance isn’t mandatory, many drivers opt for coverage to protect themselves, especially from uninsured or underinsured motorists.
What Does UM/UIM Coverage Protect?
Whether you’re driving in Massachusetts or New Hampshire, UM and UIM coverage provide crucial protection for property damage and bodily injury claims. These coverages help protect you and your passengers if you’re involved in an accident with an uninsured or underinsured driver.
Understanding Coverage Limits
It’s essential to understand that UM/UIM coverage only pays up to the limits you choose on your policy. For instance, if you select $25,000 in bodily injury coverage and you suffer more than $25,000 in medical costs, the remainder will not be covered by your insurance. Likewise, if property damage from the accident totals more than the property damage limit of your collision coverage, you’ll be responsible for paying the difference.
This is why it’s important to consider your personal situation when choosing coverage limits. Higher limits may increase your premium, but they also provide greater financial protection in the event of an accident. Failing to choose adequate limits can leave you exposed to significant out-of-pocket costs.
Peace of Mind for Every Driver
Whether you live in Massachusetts, where uninsured motorist coverage is mandatory, or in New Hampshire, where insurance is optional but recommended, having UM/UIM coverage provides essential protection. With uninsured drivers on the road and the high costs of accidents, this coverage ensures that you and your passengers are financially protected.
If you have any questions about your auto insurance or want to review your coverage options, contact Boufford Insurance today. It’s always wise to ensure you’re fully protected, no matter where you drive.
