Coverage #3 on your Massachusetts Auto Insurance 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 contact the friendly & experienced staff at Garrity Insurance. Our hours are: Monday through Friday, 9:00am to 5:00pm.
