FRIED, J.
This case asks us to decide whether a named insured under a Massachusetts policy who elects not to obtain underinsured motorist coverage, and thus receives no such coverage, is entitled to such coverage under a policy issued to a household member when that policy may be understood to offer it. The plaintiff insurer, Hanover Insurance Company (Hanover), sought a declaratory judgment that it was not required to provide underinsured benefits in this case. A...
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