Your question is a bit difficult to answer because there is information missing to properly assess the situation. Did this claim go to trial and were you awarded $25,000? If that is the case, you are going to have a tough time collecting if the person has nothing. A judgement doesn't mean much if it is not collectible. Unfortunately, you can't get blood from a stone. You may be out of luck, but check with a collection attorney in your area. If the case did not go to trial, and you are seeking $25,000 from the defendant who has no insurance, the law in Massachusetts still allows you to make a claim through your own insurance policy. The law requires every car in Massachusetts to have insurance, but if this car did not, that is not your fault. The law allows you to make an uninsured claim through your own insurance policy. Every car has this coverage, and you go through your own company as if you are making a claim against the at fault party's insurance.

Answer Applies to: Massachusetts
Replied: 10/27/2011

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