Is Your Insurance Company Scamming You?

February 20th, 2018

The Bottaro Law Firm has many clients who are in need of getting their vehicle appraised and fixed after a motor vehicle accident. And unlike other law firms, we care about our clients getting the fair market value for their vehicle instead of being scammed out of their well-deserved money. Subsequently, we like to refer […]

What’s The Difference Between PIP and MedPay?

January 9th, 2018

Purchasing car insurance can seem like an easy task for some, but for others the process can be somewhat confusing. Thus, it’s important to realize what kind of coverage you can get when selecting your auto insurance policy. Additionally, you should know what is required and what is deemed as optional coverage in your state. […]

Your Car, Your Choice – Choose the Auto Body Shop That’s Best For You!

January 5th, 2018

After a motor vehicle accident, do you have to take your car to the insurance company’s recommended auto body shop? Many of our clients assume that you have to listen to your insurance company and take your vehicle to their selected auto body shop. However, that is not the case. According to Rhode Island Law, […]

Rhode Island Courts Interpret Insurance Policies to Favor Broad Coverage for the Insured

October 5th, 2017

How a court interprets the terms of an insurance policy can significantly affect whether or not an injured person gets coverage to reimburse the costs of medical treatment, pain and suffering, lost wages, and related losses.  Therefore it is important to understand the standard rules for insurance contract interpretation.   This blog reviews the rules in […]

Underinsured Motorist Coverage: When Does a Person “Occupy” the Insured Vehicle to Qualify for UM Coverage in Rhode Island?

June 29th, 2017

Uninsured (UM) and underinsured (UIM) motorist coverage protects the injured party after an accident when the at-fault party’s insurance is insufficient.  UM coverage applies when the at-fault party has no insurance, or is a hit and run driver. UIM coverage applies when the at-fault party has some insurance but not enough. UM/UIM coverage not only […]

Auto Insurance Coverage for Uber and Lyft Drivers

May 26th, 2017

Insurance coverage for drivers of ride-sharing apps like Uber and Lyft is confusing to understand amidst a rapidly developing industry. We have written about this issue before, and the policies keep changing. Legislation passed in Rhode Island and Massachusetts in 2016, and in 45 other states, requires ride-sharing companies to provide generous coverage when ride-share […]

Insurance Companies Must Act in Good Faith or Pay Additional Damages

June 13th, 2016

Assisting Drivers in Massachusetts and Rhode Island Work with Insurance Claims Massachusetts and Rhode Island, like the vast majority of other states, require every owner of a motor vehicle to secure a minimum level of liability insurance, in order to ensure that a fund of money will be available to pay damages caused by the […]

What You Can Do if Their Insurance Is Not Adequate for Your Injuries

December 9th, 2014

866-LAW-9700 After being in a bad accident, it is common to have concern that the party at fault does not have adequate coverage for your injuries. If this is the case, there may still be options. In Rhode Island, you may do something called stacking of insurance policies. A client of ours suffered loss of […]

RI Personal Injury Attorney: Medicare’s “Super Lien”

December 11th, 2013

Assume Medicare has paid a beneficiary’s medical expenses that were related to a personal injury claim. And assume that the beneficiary has successfully recovered a personal injury settlement from an at fault party. It is critical to understand that the federal government, through the Medicare Secondary Payer Program, holds important legal rights to recover a […]

Fall River Personal Injury Law Digest: Mass. PIP and MedPay Part II

November 15th, 2013

The facts of Golchin v. Liberty Mutual Insurance Co., 950 N.E. 2d 853 (Mass. 2011) provide an example of how Personal Injury Protection (PIP), MedPay, and health insurance work with one another under a Massachusetts standard auto insurance policy. In Golchin, the Plaintiff incurred over $100,000 in medical expenses after a car accident. She had […]