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Is Massachusetts a No-fault Auto Insurance State?

Getting involved in a Boston car accident or car crash is never fun, particularly if the accident was caused by the other driver’s carelessness. If you were injured in a car read this below blog.

Though car accidents are a common occurrence, how motorists in each state pay for them differ from state to state. Massachusetts, for example, has a no-fault auto insurance scheme. Anyone involved in a car accident must file a claim with his or her own insurance company to cover medical bills, property damage, and other costs under this scheme. This also stops drivers from taking any people involved in an accident to trial with car accident attorneys unless the circumstances are extremely unique. Don’t be alone fighting for your pain and suffering compensation; help us assist you with your car accident claim.

Understanding the NO-FAULT Auto Insurance system in Boston Massachusetts

No-fault car insurance is a form of policy in which the insurance company pays for the costs of losses suffered by its own customer in a car accident, irrespective of who was at fault. Boston car accident lawyer Joe Markey explains below:

The no-fault rule in Massachusetts allows all drivers to carry personal injury protection (PIP) coverage with a cap of $8,000 per person, per motor vehicle accident, and to make a claim under this section of their policy irrespective of fault after an accident. This ensures that if you are involved in a car accident caused by a careless driver, you must claim with your own insurance provider. Medical bills are paid in conjunction with the injured person’s health insurer, and missed earnings will only be recovered if you are not paid by the employer while you are out of work. Our accident lawyers in Boston can explain the process to you and go over the many car accident law cases they have handled in the past.

Drivers are required to first contact their own insurance companies under the no-fault scheme to inform the insurance company. Contacting a car accident lawyer should be your next call in the process for legal advice before further speaking with your auto accident insurance company. Our one of our accident lawyer in Boston will walk you through the auto accident claim process!

What happens beyond the No-Fault rule?

The state acknowledges that in some cases, a party’s PIP coverage may be insufficient to cover the full extent of the injuries of the victim. As a result, Massachusetts requires drivers to claim the at-fault driver outside of the no-fault system under the following circumstances. Our Boston car accident lawyers explain:

  • At least $2,000 in reasonable medical expenses have been incurred by the injured person; or
  • The individual who was hurt has sustained “serious” injuries. Serious injuries include those that result in death, the loss of a body part in its entirety or part, permanent and serious disfigurement, loss of sight or hearing, or a fracture.

Although drivers who opt out of the no-fault system could receive further coverage, there is a drawback: when bringing a injury claim against another driver, you must show that the injury would not have happened if the liable driver had not acted negligently. This can be extremely difficult to do, particularly if there isn’t any solid evidence or eyewitness testimony. Furthermore, be aware of the statute of limitations on your injury claim.

Contact a Boston Auto Accident Attorney

It can be difficult to know whether or not you can file a claim with your insurance provider, how much your claim is valued, what amount of compensation you will receive or whether or not you have a claim against another negligent driver. To discuss your case Boston car accident you can contact a car accident attorney at the Bellotti Law Group, P.C. in Massachusetts to discuss your personal injury law needs. We have represented thousands of injury victims were vehicles were involved. Let our experienced car accident law firm go to work for you. Call us today for a free consultation.

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