Uninsured and Underinsured Motorist Claims in Rhode Island, Massachusetts and Connecticut

Updated October 16, 2026.

Uninsured motorist coverage concerns qualifying losses involving an uninsured driver. Underinsured motorist coverage concerns an insured driver whose available coverage may be insufficient. The particular policy and governing law control whether a benefit is available.

Bring the complete policy and endorsements, not only a premium bill. We review who is insured, the vehicle and household involved, the limits selected, and notices or exclusions raised by the insurer. The Rhode Island insurance consumer guidance provides a general coverage starting point.

A liability settlement or release can raise questions under a separate UM or UIM policy. Before signing, identify all policies being reviewed and discuss any notice, consent, or reimbursement issue that may affect the next step. Do not assume payment from one insurer closes the entire claim.

Keep a record of who has been notified, when the notice was sent, and what each insurer has requested. Coverage disputes and injury valuation may need to be addressed separately.

• Full auto policies, declarations pages, endorsements, and any coverage selection or rejection documents.
• Crash report information, driver and insurer details, and correspondence about available limits.
• Medical and work-loss records, benefit-payment notices, and denial or reservation-of-rights letters.
• Proposed settlements, releases, and the dates of any upcoming response deadlines.

Hit-and-Run and Unidentified Drivers

If the other driver left the scene or you do not know the driver’s identity, bring the report number, crash location and time, witness details, photographs and any video information. Keep the complete auto policy and every insurer response with those records. We review the available evidence and the complete policy before advising on your specific coverage question.

For collision and injury records, see our car accident representation guide.

Organize Letters from Multiple Insurers

Create a separate folder for each policy or claim number. Put the declarations, full policy and endorsements together, then arrange letters and emails by date. Identify which company covers which vehicle and who sent each payment, request or denial. Bring the actual correspondence rather than a summary of what you believe the policy says.

Tell our Providence office where the crash happened, where the policy was issued and whether you were a driver, passenger, pedestrian or cyclist. For an app-based trip, include the rideshare trip timeline. These details help us direct the review to the right records without assuming that any particular policy provides coverage.

It may. Identify the policies held by you and your household and describe your role in the collision. Counsel must review the actual terms and applicable law; multiple policies do not automatically create multiple recoveries. For Massachusetts background, see Massachusetts auto insurance resources.

Attorney background: Dylan C. DiLibero, Esq. Admitted in Rhode Island, Massachusetts, New Jersey and Connecticut state courts; U.S. District Courts for Rhode Island, Massachusetts and New Jersey.

Explore personal injury services and auto accident representation.

Request a consultation or call 401-621-9700. For the initial contact, provide the court or crash location and any upcoming dates. We check for conflicts before discussing sensitive details.