Massachusetts law requires all automobile operators to carry uninsured motorist benefits. The statutorily required minimum is $20k/$40k. This protects you in the event you have been injured in a Massachusetts auto accident and the person(s) that caused the accident did not have auto insurance. This coverage is provided by your Massachusetts auto insurance company, as part of the standard Massachusetts automobile insurance policy. It provides you with compensation to cover your medical expenses, lost wages, and pain and suffering.
If you have a dispute with your auto insurance company with respect to uninsured motorist benefits, you must arbitrate the dispute; you cannot file a lawsuit.
Feel free to contact me with any Massachusetts uninsured motorist coverage questions you may have.