Auto accidents occur every day in Massachusetts. While some auto accidents are minor fender benders that result in only minor property damage, many motor vehicle crashes are major accidents that may result in serious injury. If you have found yourself the victim or at fault-party of a motor vehicle accident, here are four things you should know:
1.) You may collect lost wages if you miss time at work due to a car accident injury.
In the event you are involved in an accident and the injuries you sustained prevent you from working, you may be entitled to reimbursement of 75% of your lost wages. These wages may be payable under the Personal Injury Protection (PIP) portion of your motor vehicle insurance. You have $8,000 of coverage under this policy, and this money may be applied to medical bills and/or lost wages.
2.) Most accident-related medical expenses are covered, even if you don’t have health insurance.
Under M.G.L. c. 90 § 34, “The PIP Statute,” your motor vehicle insurance carrier will pay the first $2,000 of your medical bills in nearly all circumstances, including if you were found at-fault for the accident. The remainder of your medical expenses will be covered under your health insurance policy. If you do not have health insurance, your motor vehicle insurer will pay for those bills, but only up to $8,000. In certain cases, people will have Medical Payment coverage as part of their motor vehicle insurance policy, and that coverage will go towards payment of additional medical bills one the primary coverage has been exhausted.
3.) If you were hit by a car with no insurance coverage you can still make a bodily injury claim.
We find this happens more often than you would think; people forget to renew their insurance coverage, send a payment in late, or accidentally have their coverage lapse. When this happens, they are driving an uninsured motor vehicle. If you happen to be the victim of being struck by an uninsured vehicle your own insurance policy will most likely provide you not only medical coverage benefits, but bodily injury benefits as well.
It is always a good idea to consult with your agent to ensure that all your policies are active and in place.
4.) Even if you are initially found at fault for the accident, you can challenge the liability decision.
Often times, insurance companies jump to conclusions when determining liability. We have helped numerous clients challenge the decisions made by insurance companies and we have a proven track record of successfully overturning their initial decision. We do this through witness statement, hiring investigators, and other various means to help prove our case.
If you or a loved one was involved in a motor vehicle accident, call one of the seasoned Boston Car Accident Attorneys at Altman & Altman for a free initial consultation. Upon initial review of your case, we can help you determine whether you have grounds to file a claim for your injuries as well as significant property damage against the responsible negligent parties. We can also help prevent any insurance company from giving you an incomplete settlement and taking away your right to file a personal injury lawsuit at a later date. Our team of crash lawyers will investigate the accident scene, retain auto accident reconstruction experts, examine all physical evidence, work with medical experts to evaluate your injuries and estimate all medical and recovery costs, interview witnesses, and begin preparing your case for financial recovery.
With nearly 50 years of experience handling all types of motor vehicle and personal injury cases, our team of attorneys at Altman & Altman, LLP has recovered millions of dollars in settlements and verdicts for our clients. We have the knowledge to help you attain the compensation you deserve and we stand ready to guide you through every part of your case. We are available around the clock and are always here to answer any questions you have regarding your case.