Boston Car Insurance Claim Lawyer

Car Insurance Coverage Requirements In Massachusetts

When filing your car accident claim in Boston, Massachusetts, one important factor is the car insurance coverage you have on your policy. There are requirements for the minimum amount of car insurance coverage all drivers in Massachusetts must carry. In severe auto accidents in Massachusetts, PIP coverage may not adequately cover medical bills and other losses sustained in your accident.

The following are the minimum values assigned to PIP coverage:

• $20,000 for injury per person

• $40,000 total liability bodily injury coverage per accident you cause

• $5,000 for property damage

• $8,000 in no-fault PIP coverage

• $20,000 per person / $40,000 total per accident for uninsured motorists

If you were significantly injured in a Massachusetts car accident and your injuries are over $8,000, you may benefit from pursuing compensation in a claim for harm caused by negligence.

At Sweeney Merrigan Law, we fight for the maximum compensation you deserve for present and future expenses so you may obtain a full recovery. You should not be held financially responsible for the negligent actions of someone else who caused your accident.

How Will A Car Accident Impact Your Auto Insurance?

Motor vehicle accidents can occur unexpectedly, impacting your auto insurance and leaving you in need of expert legal advice to navigate the complexities of personal injury cases and insurance claims. Being involved in a motor vehicle accident can leave victims feeling confused as they assess the damages they have suffered due to another person acting carelessly.

After the accident, you may be concerned about how this incident could affect your car insurance. Depending on the type of accident you were involved in and how much liability you hold for the crash, you may see different impacts on your auto insurance.

Chargeable Accidents

If you were involved in a chargeable accident, you will generally see an increase in your auto insurance rate. Chargeable accidents usually mean that you were found to be more than fifty percent liable for the crash which resulted in:

• Property damage

• Bodily injury or a fatal car accident 

Chargeable accidents can also be defined based on the dollar amount in damages. For example, if the other party suffered more than $500 in bodily harm, this may be considered a chargeable accident.

Non-Chargeable Accidents

Not all accidents will cause an increase in your insurance rate. An example of automobile accidents that are not considered to be chargeable are:

• Your vehicle was legally parked when it was damaged

• Your car was rear-ended by another vehicle and you were not convicted of a moving traffic violation in relation to the accident

• You were struck in a hit-and-run accident

• The other party involved was convicted of a moving traffic violation associated with the accident, but you were not convicted of a moving traffic violation

• The accident occurred as a result of a collision with an animal

• The damage to your car was caused by falling objects or flying gravel or missile-like objects

• The car crash occurred when you were responding to an emergency and you are a volunteer or paid member of the fire department, first aid squad, or law enforcement agency

• You were reimbursed by the driver or party that caused the damage

• Your car insurance company was able to recover 80% or more of your collision insurance claim through subrogation, which means they were able to collect compensation from the other party’s car insurance provider

• There is a court judgment for the accident against the party that caused the damage

• Accidents where claim payments are made under the personal injury protection coverage and no payments are made under liability or collision insurance

To learn more about how a car accident may affect your insurance, contact one of our lawyers today. Our legal team can review your case and help you understand more about your rights and what may happen in relation to your insurance depending on the specific aspects surrounding the car accident that left you injured.

Who Is Responsible For Paying Damages After A Car Wreck In Boston?

After a Boston car accident, one of the most important initial steps victims should take is to determine who is responsible, or liable, for the damages victims have suffered as a result of the crash. Understanding personal injury cases and the importance of legal representation in pursuing compensation for injuries sustained is crucial for victims of negligence.

Massachusetts is a no-fault insurance state, but you may still need to pursue additional compensation through a court claim. Proving liability and damages in court can be complex, and having legal representation is crucial.

If negotiations with the insurance company fail, your attorney can present your case in court to seek the full compensation you deserve. Understanding how to effectively present your case in court is essential for achieving a favorable outcome.

However, you are entitled to take legal actions against the at-fault driver for compensation if either of the following is true for your case:

• Sustained a permanent or serious injury

• Had at least $2,000 in reasonable medical expenses

If you satisfy either of these requirements, you can pursue a lawsuit against anyone who played a role in your car crash. That might include:

• The at-fault driver

• Truck drivers

• Pedestrians

• Bicyclists

• Employers of a negligent driver

• The city authorities responsible for road repairs or maintenance

• A company that manufactured a defective product

Our team will put in the work needed to identify every responsible party. That greatly increases the odds of recovering the maximum recoverable compensation for your damages. To begin the process of filing your claim, contact one of our Boston car insurance claims lawyers as soon as possible.