Uninsured/Underinsured motorist coverage in the State of Rhode Island and The Commonwealth of Massachusetts is also in place to financially compensate medical injury from hit-and-run accidents. In both scenarios, the offending driver is held liable for their negligence and this does not go as an at-fault accident on your insurance. While uninsured/underinsured motorist coverage has grown in adoption through the years, there are unique, lesser-known instances where uninsured/underinsured motorist coverage applies and can protect you and your family.
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One prime example of an ancillary benefit of uninsured/underinsured motorist coverage that is not widely known is when an individual that is operating or a passenger in the automobile, shoots a gun from that automobile and you or a relative member of your household are injured, and that individual leaves the scene and is unidentified in the drive-by shooting. You can file a claim against your uninsured/underinsured motorist automobile policy only in the State of Rhode Island. In the Commonwealth of Massachusetts if you are injured by a drive-by shooting you do not have a claim against your motor vehicle insurer. This is obviously not something that one considers when weighing their auto insurance provider options, but is, in fact, covered under uninsured/uninsured motorist coverage policies in the State of Rhode Island.
That is, if you or a household relative sustain an injury or fatalities and have uninsured/underinsured motorist bodily injury coverage because of a drive-by shooting, you are likely covered under your uninsured motorist coverage policy. Drivers in Rhode Island with uninsured/uninsured motorist coverage policies, especially in urban or higher-crime areas, should be sure to confirm with their auto insurance provider that they have uninsured/underinsured motorist coverage. Remember, in the State of Rhode Island, you have to reject uninsured/underinsured in writing. The Statute of Limitations for uninsured/underinsured motorist bodily injury coverage in the State of Rhode Island is 10 years. If you have questions, please call.