Legal Question in Personal Injury in Massachusetts

Drunk Driver Civil Case

Two years ago, I was hit head on by

an underaged drunk driver (19). I

sustained serious injuries to my

elbow and knee which both required

surgery and hospital stay of 5 days.

The driver's insurance coverage max

barely covers my medical expenses

and she does not have any assets.

However, her dad co-signed for the

leased car but their defense is that

he signed for the only for the loan

and not the car (ownership). He also

is the insured policy holder on the

car. Is it possible to get insurance on

a car you don't own? In addition, she

lives with her parents, is it possible to

seek financial recovery from the

home insurance? Or umbrella

insurance? Is there any documents

that need to submitted proving that

HE can be held liable? At this point, I

have to make decision to either go to

trial or settle for next to nothing for

the injuries I sustained. Please help,

Thank you!!!

P.S. Both her nor her family

remember exactly where she was

coming but she testified that it was a

private residency.


Asked on 12/15/08, 5:01 pm

1 Answer from Attorneys
Christopher Vaughn-Martel Charles River Law Partners, LLC

Re: Drunk Driver Civil Case

If the other party is uninsured or if their policy limits are insufficient to cover your damages, you are entitled to collect under your own insurance policies Under/Uninsured Motorist Protection. However, you must provide reasonably notice to your insurer that you intend to/need to seek benefits under that provision.

You should speak with an attorney before going any further. The other party's insurance company is not required to act as your attorney, and you should not consider their advice as being in your best interests.

Please feel free to contact my office if I can be of any further assistance.

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Answered on 12/15/08, 5:10 pm


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