Search Site
Menu

Harm to the Consumer

An unfortunate twentieth anniversary has just passed. A law that went into effect on January 1, 1989 greatly curtailed the rights of Massachusetts auto accident victims. This concerned uninsurance and underinsurance motorist coverage. The Legislature passed a bill, called the Massachusetts Auto Insurance Reform Act, signed by Governor Michael Dukakis, which eliminated stacking of policies and instituted a “trigger”. The “trigger” offsets the amount of money an injured motorist can receive by the amount paid by the at-fault driver/insurer.

Why was this done? To reduce auto insurance premiums. The problem is that in response to a slight premium reduction Massachusetts consumers received greatly reduced insurance benefits for those coverages. Mind you, for access to those coverages the injured party must show damages. People who receive money under those coverages are injured. The point is that there may not be enough coverage to compensate the injury sufficiently.

I have testified before the State Legislature to repeal this law. Unfortunately, we are dealing with representatives who are disinclined to upset the apple cart. It is still possible to be appropriately compensated in an auto accident but you need to be certain that the at-fault party has sufficient insurance coverage. If not, you will need to have sufficient coverage under your policy and you may not because of the quirk in this law.

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Your email address will not be published.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
  • google
    5.0/5.0

    Attorney Colleen Santora, was a pleasure to work with throughout my personal injury case. She makes the process seamless for her clients and is there to answer any questions you have. She negotiated every aspect of my case and got me the settlement I...

    Read more

    Cody

  • google
    5.0/5.0

    We were very pleased with all aspects of this law firm! My husband was struck by a truck while crossing the street. We hired attorney Colleen Santora of Feinberg & Alban PC. Colleen immediately showed empathy towards my husbands condition, aside fro...

    Read more

    Cleopatra Anderson

  • google
    5.0/5.0

    Attorney Colleen Santora assisted me after a terrifying highway incident. She came to my home because I was not able to travel, and she remained compassionate, professional, and highly competent throughout my case. I would highly recommend retaining...

    Read more

    Susan Hawes

  • lawyers
    5.0/5.0

    I had a difficult liability case that Marsha Alban handled on my behalf. I was extremely happy with Attorney Alban’s communication with me throughout the claim and especiathe resolution of my claim. I highly recommend this firm as they are up for ...

    Read more

    Client

  • google
    5.0/5.0

    Alexis was a pleasure to work with. She kept me informed every step of the process and always looked out for my best interests. I would definitely recommend her.

    Read more

    Joel K

See all reviews
Awards & Affiliations
Contact us

Quick Contact Form