Search Site

Important Insurance Coverages

Robert I. Feinberg

03 November 2008

For over twenty years my firm has been writing to clients about auto insurance. The purpose has been to inform consumers that they purchase enough coverage to protect themselves not only from a lawsuit but in the eventuality that the at-fault driver has no insurance or insufficient insurance. This requires having enough protection under three coverages: Bodily injury to others; bodily injuries cause by an Uninsured auto; and bodily injury caused by an Underinsured auto. For each of these parts, the minimum amount set by each of the states may not be enough to protect you and your household members. Uninsured and Underinsured coveragae come into play when there is no insurance or little insurance on the so-called tortfeasor. Often this is referred to as “U Coverage” and it should not be ignored.

You should also be alert to certain insurance company defenses:

  • If the place of garaging for your vehicle is not accurate, the insurance company can refuse to pay your optional coverage if ther “risk of loss” is greater, i.e. if they were entitled to a higher premium.
  • If you fail to list an operator who is required to be listed, then the insurance company can refuse to pay its optional coverage because the “risk of loss” is increased. This situation often arises when an operator in the household is not listed on the coverage selection page but is a new driver.
  • The “regular use exclusion” also limits coverage. This confusing doctrine essentially means that if you have more than one vehicle in your household and you drive the vehilce with the lower insurance limits, you will be bound by that coverage even though other household vehicle(s) have higher insurance limits.

Obviously each state has its own laws and nuances. It is best to discuss these issues with someone who is informed in your state and can advise you accordingly.

Leave a Reply

Your email address will not be published. Required fields are marked *

Feinberg & Alban, P.C. fervently protects your rights
  • The Boston firm of Feinberg & Alban, P.C. specializes its practice in the area of personal injury.

    The attorneys serve the entire state of Massachusetts in addition to affiliating with lawyers in other states to handle cases outside of Massachusetts.

  • $7.7 Million Award for Feinberg & Alban Client in Personal Injury Trial

    Boston Attorneys Win Highest Injury Verdict in Massachusetts in 2011 & 2012.

Client Reviews
  • lawyers

    I will be forever grateful to Robert and his team at Feinberg & Alban, P.C. He is the best of the best and I truly cannot recommend his expertise enough. Having Robert represent me brought me great comfort. I never once doubted that he would not be s...

    Read more


  • google

    Robert and his team were unbelievably caring and thorough in working on my interests. It was a very serious case. It needed much attention and skill. Robert and his team were always there for me from the time I was in the hospital. They got me an ama...

    Read more

    Jason Lebovitz

  • google

    I suffered injuries and total loss if my car last year in a head on collision. Colleen Santora took my case and fought well on my behalf. She thoroughly answered all my questions and concerns, always responding in a quick and timely manner. She helpe...

    Read more

    Jessica Matt

  • google

    Choosing Feinberg & Alban was probably one of the best decisions I ever took. Robert Feinberg and Perry Feinberg are amazing in their professionalism as well as in compassion. Perry was the lead attorney for me. He was always responsive to any questi...

    Read more

    Raja Bhattacharyya

  • google

    I would like to express my gratitude to Feinberg & Alban PC. They are great people and professionals. If you need an attorney these are your guys. Thank you so much! Tatiana

    Read more

    Tatiana Andreeva

See all reviews
Awards & Affiliations
Contact us

Quick Contact Form