Uninsured Motorist

Being injured in a motor vehicle accident is not only frightening; it can also leave a person facing physical, psychological and financial challenges. These challenges become even more daunting when the accident is caused by a driver who has too little insurance or no coverage at all – including hit-and-run drivers who are never located.

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Uninsured motorist (UM) coverage provides an individual with protection, through his or her own insurance policy, when the at-fault driver lacks auto insurance, is underinsured or leaves the scene of the crash.

Our goal at Marasco & Nesselbush is to provide extraordinary legal care and get you the compensation you deserve. Contact us now to discuss your UM coverage case with an experienced Rhode Island car accident attorney for free.

Who Is an Uninsured or Underinsured Driver?

According to Rhode Island General Laws Title 27, Chapter 27-7, Section 27-7-2.1, an “underinsured motorist” falls under the category of an “uninsured motorist.”

While an uninsured motorist has zero auto liability insurance coverage, an underinsured motorist has auto liability insurance with coverage lower than the damages the injured party is entitled to recover by law. As the Insurance Information Institute reports Rhode Island has one of the highest percentages of uninsured drivers (17 percent). This makes having Uninsured Motorist protection critically important for Rhode Island drivers.

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If you think you may have a car accident case, contact us now for a FREE consultation

Uninsured Motorist Accident Coverage in Rhode Island

All drivers in Rhode Island are required by law to carry auto liability insurance coverage. The minimum liability coverage a driver must carry is $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Insurance companies are also required to offer uninsured motorist coverage in an amount equal to the insured individual’s liability limits, but policy owners do have the option of rejecting UM coverage or selecting a lesser amount of coverage.

Uninsured and underinsured motorist coverage is recommended, as minimum liability coverage is not generally enough to cover the total losses sustained in a serious car accident. Purchasing uninsured motorist coverage will help protect you if you are injured by an uninsured motorist, an underinsured motorist or a hit-and-run driver.

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Pursuing Justice and Obtaining Extraordinary Legal Results For Hit and Run Victims

Dealing with insurance companies, particularly with regard to an uninsured driver accident, is uninsured motorist claim is never an easy task. Insurance companies frequently do everything within their power to wear claimants down in hopes that the individuals who pay for coverage will give up, agree to receive little or even no compensation, and move on.

At Marasco & Nesselbush, Rhode Island’s trusted personal injury law firm, our car accident lawyers are determined to fight aggressively so this does not happen to you. Our unwavering commitment to protecting our clients’ rights, and helping achieve maximum compensation, is only the beginning of what we have to offer. To learn more about how we can be of assistance to you, please fill out a contact form or call us at one of our office locations throughout Rhode Island today for a free consultation.


Insurance Information Institute: Uninsured Motorists: Top Ten Highest and Lowest States Based on Estimated Percentage of Uninsured Motorists, 2012 (1)

Client Testimonials

"I am a motor vehicle versus pedestrian, accident survivor. Although struck in a crosswalk outside my clinic. As a physician, I’ve had to deal and negotiate with insurance companies in the healthcare arena my entire career. Consequently, I felt that legal counseling would be the safest and most prudent way to approach this unfortunate circumstance. Having researched the numerous legal offices on the internet, Marasco and Nesselbush had a very strong and positive presence, and I must sincerely and wholeheartedly agree.

The Firm, and my M&N attorney, represented me in the most professional and experienced manner, and with ethics of the highest standards, during a significantly emotional time in my life. My M&N attorney was knowledgeable and compassionate about my case and situation. He came to my home the very day I contacted his law firm, thoroughly explained every detail clearly and distinctly, and honestly answered all of my questions. He was genuine, personal, reliable, and patient, offering not only professional support and responsible legal counsel, but also friendship and guidance during a difficult time and situation in my life. He and his staff have earned my deepest trust and respect. I wholeheartedly recommend Marasco and Nesselbush."
- Dr. P

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Amanda C.

I've felt comfortable and have built trust with them. They work hard and it shows. I am super thankful to have worked with them.

Susan B.

I love this law firm! My lawyer was compassionate, kind and understanding during a very difficult time.

M&N Barbara E.

They have been absolutely wonderful throughout my case-with a mix of professionalism and friendship all in one.