Personal injury · Rhode Island and Massachusetts
Uninsured and Underinsured Motorist Claims in Rhode Island and Massachusetts
If the at-fault driver has no insurance or insufficient coverage, review the auto policies that may apply to you. Coverage depends on the policy, insured persons, limits, and circumstances of the crash.
Uninsured and Underinsured Coverage Address Different Problems
Updated October 9, 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.
Notify Counsel Before Settling with Another Insurer
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.
Documents for a Coverage Review
- 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.
Can Household or Other Coverage Matter?
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.
Discuss the Next Step
Attorney background: Dylan C. DiLibero, Esq..
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.
