Massachusetts Car Accident Injury: 3 Things To Know!

November 9th, 2018

If you have been injured in a Massachusetts car accident, you need to know the legal process.  You need an experienced personal injury lawyer on your side, because the insurance companies are not looking out for your interests.  When you contact our law firm, we take the time to educate you about the legal process, including these 3 things to know:

  1. Massachusetts Personal Injury Tort Threshold

Under Massachusetts law, G.L. c. 231, § 6D of the, you must have incurred at least two thousand ($2,000.00) in medical expenses in order to pursue a personal injury case.  This threshold has five exceptions: if the accident causes death, consists in whole or partial loss of a body part, results in permanent and serious disfigurement, results in loss of sight or hearing, or the accident causes a fracture.  Here at The Bottaro Law Firm, we help our clients navigate this law and also help to deal with medical expenses, as discussed next.

  1. Car Accident Law: PIP and Medical Expenses

Massachusetts statutory law for car accidents is known as a “no-fault state,” which means there is a legal framework in place for the recovery of certain damages, no matter who causes an auto accident.  Generally speaking, when your Massachusetts registered car is involved in a crash, the auto insurer for that vehicle must pay Personal Injury Protection benefits (“PIP” benefits) to help with at least a portion of your medical expenses, lost wages, and potentially other benefits.  There are lengthy forms, telephone statements, and other requirements that you must complete before you may access these benefits.  When you hire Bottaro Law Firm, we handle PIP forms and other details on your behalf.

  1. Coverage After A Massachusetts Car Accident: BI and UM

After a car accident, you need to understand the relationship between the insurer for the car that caused the crash and your own car insurer.  Massachusetts injury auto insurance for the other vehicle is referred to as bodily injury (“BI”) coverage.  Uninsured motorist (“UM”) coverage refers to the coverage on your own vehicle that may help you in the event that there is no BI coverage or such coverage does not fully compensate you.  This area of the law may be complicated and is highly fact specific.  For example, if there was a car accident in Rhode Island with a RI UM policy, you may have certain coverage advantages including “stacking” the BI and UM coverage, but under Massachusetts law, M.G.L.A. 175 §113L, there is no stacking.  At The Bottaro Law Firm, we can help resolve your specific insurance coverage issues after a car accident.

It’s Good To Know Mike Bottaro – 24/7 Personal Injury Help

At the Bottaro Law Firm, we handle all Massachusetts care accident cases every day.  Honesty. Integrity. Results.  Our experienced legal team is here to fight for your rights. Contact us in any method you prefer 24/7 for a fast, free, and confidential consultation about your case. Text or call: 401-777-7777 or fill out our free and confidential online form.