Alguila v. Safety Insurance

This is one of three cases we decide today involving the definition of an “underinsured” automobile in a standard Massachusetts automobile insurance policy prescribed by G. L. c. 175, § 113L(2), as amended by St. 1988, c. 273, § 46. The policy in each case was issued by Safety Insurance Company, the defendant in this case. See Safety Ins. Co. v. Laurent, post 500 (1993); Fleurgin v. Safety Ins. Co., post 503 (1993).

The policy provides:

“Sometimes an owner or operator of an auto legally responsible for an accident is underinsured. Under this Part, we will pay damages for bodily injury to people…