Uninsured and Underinsured Driver Accident Lawyers Serving Massachusetts and Connecticut
When Insurance Falls Short, Raipher Fights For The Win
Few moments are more frustrating than learning the driver who hit you has little or no insurance. Across Massachusetts and Connecticut, thousands of car accidents each year involve uninsured or underinsured motorists, leaving victims to wonder how they’ll pay medical bills, repair costs, or replace lost income. What many people don’t realize is that compensation may still be available through their own insurance coverage, third parties, or additional liable entities.
Our uninsured and underinsured motorist attorneys (UM/UIM) handle these types of claims with the same strategy and precision we bring to every serious car accident case. Based in Springfield and serving both states, we’ve recovered more than $100 million for injured clients and their families. While you focus on recovery, our team focuses on results. We dig deep to uncover every available source of compensation and we don’t stop until we’ve found the path to full recovery.
If you were injured, learn more about your case. Contact Raipher, P.C. for a free consultation to get your questions answered and learn more about your legal options for compensation.
What uninsured and underinsured driver accidents are
An uninsured driver has no auto insurance coverage at all. An underinsured driver has coverage, but not enough to pay for the total damages caused by the crash. In both cases, the victim is left in a difficult position.
Massachusetts and Connecticut law requires drivers to carry minimum levels of liability insurance, but those limits are often far too low to cover catastrophic injuries. For example, even a short hospital stay or surgery can exceed a $25,000 policy. When this happens, the injured person must turn to other coverage options to bridge the gap.
This is where an experienced uninsured and underinsured driver accident lawyer can make all the difference, identifying coverage that others overlook, from your own UM/UIM policy to employer, manufacturer, or roadway liability.
Why these accidents happen
Uninsured and underinsured crashes occur for many reasons, often tied to negligence or financial irresponsibility. Common situations include:
- Uninsured Drivers: Operating vehicles without required coverage or after policy cancellation.
- Minimum-Limit Policies: Carrying the bare minimum liability coverage that barely covers vehicle damage, let alone medical bills.
- Hit-and-Run Drivers: Leaving the scene before identification or insurance can be confirmed.
- Out-of-State or Commercial Vehicles: Complex cross-border or multi-policy coverage disputes.
- Policy Lapses or Expired Coverage: Failing to renew policies on time or missing payments.
No matter the reason, you shouldn’t pay the price for someone else’s failure to carry adequate insurance.
How injured victims can still recover compensation
Many people assume that if the at-fault driver lacks insurance, their only option is to accept the loss. That’s not true. Under Massachusetts and Connecticut law, you may be able to file a claim through your own uninsured or underinsured motorist coverage, which is included in most auto policies.
Our team reviews every detail of your policy and the crash circumstances to find all available options for recovery. In addition to UM/UIM coverage, compensation may also come from:
- Third-Party Liability: Other negligent parties, such as employers, vehicle owners, or contractors.
- Defective Vehicle Claims: If a mechanical failure or design flaw contributed to the crash.
- Municipal or Roadway Liability: When unsafe road design or poor maintenance played a role.
- Umbrella Insurance Policies: High-value supplemental coverage that may apply to either driver.
- Subrogation Recovery: Coordinating with your insurer to maximize total compensation.
Uninsured and underinsured claims are complex, requiring careful analysis, expert testimony, and aggressive negotiation. Our attorneys handle every stage of the process, from reviewing medical records and accident reports to proving damages and pressuring insurers to settle fairly.
Why Raipher is the right firm for the job
These cases demand persistence and strategy, and that’s what defines Raipher. We know insurers often delay, deny, or downplay UM/UIM claims, hoping victims will give up. We don’t. Every case is built to win, backed by decades of trial experience, deep resources, and a record of more than $100 million recovered for accident victims.
While you focus on your health and recovery, we do the hard work: locating every possible source of compensation, holding insurers accountable, and proving the full extent of your losses.
We offer free consultations and handle all uninsured and underinsured driver accident claims on a contingency fee basis. That means you pay no attorney’s fee unless we win.
If you were injured by an uninsured or underinsured driver in Massachusetts or Connecticut, contact us today. This is your shot at justice. Make it count — For The Win.