Many Massachusetts hit-and-run injury claims pay in the low five figures, while serious cases can reach $50,000 to $100,000+ if your own UM/UIM limits are high and your injuries are well documented.

What makes that number move fast:

• Your policy limits control a lot. Massachusetts requires uninsured motorist (UM) coverage on auto policies, but the minimum is often just $20,000 per person / $40,000 per crash. If the driver who hit you on Memorial Drive, Route 2, or the Mass Ave corridor had no insurance or fled, your recovery may be capped by your own UM limit unless you bought more.
• PIP pays first. Massachusetts is a no-fault state, so your policy's Personal Injury Protection (PIP) usually covers up to $8,000 in medical bills and lost wages right away, no matter who caused the crash.
• No plate number does not kill the claim. A hit-and-run can still qualify under UM coverage if you report it promptly and give proof the crash happened. Delay hurts. Get a Cambridge Police Department report or Massachusetts State Police report immediately if it happened on a state road.
• Injury type matters. An orbital fracture, surgery, vision problems, missed work, or permanent facial changes can push value much higher than a soft-tissue case.
• Your fault percentage matters. Massachusetts uses modified comparative fault. If you are more than 50% at fault, you recover nothing. At 50% or less, the value gets reduced by your share of fault.
• Underinsured claims are different. If the other driver had only the Massachusetts minimum and your damages are higher, you may use UIM coverage on your own policy after that driver's limits are exhausted.
• Immigration status is not the measure of value. Your insurer is evaluating injury, treatment, wages, and coverage. A UM/UIM claim is against your own policy, not an immigration agency.

Act now because evidence from holiday-weekend crashes disappears quickly, and delay gives the insurer room to dispute coverage, fault, and medical causation.