Dullea v. Safety Insurance

In this case, we must decide whether a named insured under a Massachusetts automobile liability insurance policy, who elects not to obtain “optional” underinsured motorist coverage, is entitled to such coverage under policies issued to a household member, or alternatively, the owner of the automobile she occupied when she was injured. The plaintiff brought an action in the Superior Court against Safety Insurance Company (Safety) and Metropolitan Prop*38erty and Liability Insurance Company (Metropolitan), claiming that, under G. L. c. 175, § 113L (1994 ed.), she was entitled to underinsured…