Boston Car Accident Lawyers

In Massachusetts, the standard automobile insurance policy contains a provision called Uninsured Motorist Protection.

As long as you have a car insurance policy of your own, a household member (a person with whom you reside that is related by blood, marriage, or adoption) has a motor vehicle insurance policy, or you were occupying a vehicle with someone that has a motor vehicle insurance policy, your medical bills will be paid, and you should be able to make a claim for compensation for your pain and suffering through car accident attorneys.

In Massachusetts, the standard insurance policy has a provision called Personal Injury Protection—also known as “PIP.” Many people have $8,000 in available coverage, which means that the insurance company will pay up to $8,000 in combined medical expenses and lost wages.

PIP is also referred to as “No-Fault” because PIP benefits can be paid to you even if you caused the collision. Usually, the insurance policy for the vehicle that you were occupying will provide the coverage, and it will not increase the premiums of the policy owner. Behind the scenes, the insurance company providing the PIP benefits will seek payment from the insurance company that insures the at-fault vehicle.

Under current state law, if you have private health insurance, PIP will only cover $2,000, and your health insurance will cover the rest of your expenses. It’s important to comply with the conditions of your private health insurance to make sure that your treatment is covered. A Boston car accident lawyer from Jason Stone Injury Lawyers can help you coordinate your insurance benefits so you don’t end up with outstanding medical bills.

If the accident is determined to be the other driver’s fault, and you have full coverage through your own insurance policy, you can elect to have either the insurance company for the vehicle that caused the accident pay for the damage, or your own insurance policy can pay.

If you don’t have full coverage, then you must make a claim through the other driver’s insurance, but the other driver’s insurance will only pay for your property damage if the evidence shows that the other driver is at fault.

If who is at fault for the accident is in dispute, one of the Boston personal injury lawyers at Jason Stone Injury Lawyers can fight the insurance company to prove you are not at fault and the other driver is.

There are a few steps you can take after a car accident to protect your health and rights to compensation:

• Call the Police.
  If you’re involved in an accident, you should contact the police immediately. They can help move damaged vehicles out of the path of traffic, ensure the safety of yourself and other drivers in the area, and file a police report of your accident. This report can be an important source of information and help prove the other driver’s negligence.
• Gather evidence and get contact information.
  If you’re able, take pictures of the vehicles, roadway, and surrounding environment while at the scene of the accident. Get phone numbers and email addresses of other drivers involved in the accident as well as any witnesses. As soon as you are able, take pictures of any injuries you suffered.
• Get medical attention.
  In addition to obvious injuries like lacerations, you may have internal injuries or injuries that don’t manifest immediately. Seeing a doctor can help identify all the injuries you’ve suffered, and your medical report can serve as valuable evidence for your claim.
• Get a lawyer.
  The sooner you call a Boston car accident attorney at Jason Stone Injury Lawyers, the sooner we can start building your claim. An early start can mean more money for you in the long run.

Most importantly, don’t run away. Hit-and-run accidents are very serious. Don’t delay after your car accident. Give our car accident attorneys a call at (800) 577-5188 or complete our free online form. We’re here to help you get your life back after the accident.

Yes. It’s important that you cooperate with the Boston police when they arrive and comply with their requests, such as moving your vehicle to the side of the road. You should also ask a police officer for a copy of his or her accident report. Your attorney can use the report when working on your case.

Yes. You should call your Boston insurance company after the accident and tell them what happened. Keep the conversation short and truthful, but never volunteer information that might imply you were at fault. The insurance company can twist your words and disqualify you from receiving a settlement. 

If you prefer, one of the Boston attorneys at Jason Stone Injury Lawyers can call and report the accident to your insurance company for you to ensure that nothing you say can be manipulated by the insurance company to make it appear that you were at fault for the crash.

Yes. Many automobile accident injuries aren’t obvious right away. You may have internal injuries that damage your organs. 

The symptoms of these injuries can take weeks or even months to appear and may cause serious complications if left untreated.

Yes. If you were too hurt to work after your car accident, you may be eligible to receive compensation for your lost wages. 

Through the PIP portion of the insurance policy, if you have a note from a doctor stating that you need to remain out of work, as well as verification of your employment, you may be able to receive 75 percent of your wages. 

You will likely receive the remaining 25 percent of your wages at the time your case is successfully resolved.

The value of your case depends on several factors, including:

• The total cost of your medical bills
• How much your injuries affect your daily life
• How long your injuries impact your daily life
• Your lost wages due to missed time at work
• Emotional and physical suffering

According to the Insurance Information Institute, the amount of compensation you can get is based on what the Insurance companies premiums are. Here are some of the premiums in past years:

While it is possible to navigate the complexities of personal injury law on your own, it isn’t recommended. Accident victims are more likely to receive a fair settlement for their injuries if a skilled car accident attorney or law firm handles their case. Often insurance companies pressure victims to settle a car accident case quickly, usually for less than they deserve. Insurance adjusters are looking out for their best interest, not necessarily the best interest of the person injured. Insurance companies know that car accident victims are vulnerable, worried, hurt and afraid and they may take advantage of the situation leaving the victim short-changed.