What You Should Know If Injured In A Car Accident

No Fault Automobile Insurance Benefits

Massachusetts is a so-called “no fault” automobile insurance state, which means you’re entitled to certain limited insurance benefits regardless of who caused the accident. These benefits are called personal injury protection benefits, or “PIP” benefits, for short.

Generally, an eligible person may receive up to $8,000 in personal injury protection benefits. The benefits you are entitled to are a combination of reasonable and necessary medical expenses, lost wages and so-called replacement services.

Usually, PIP benefits are paid by the insurance company that insures the automobile in which the injured person was riding. If the injured person was a pedestrian, then the insurance company that insures the vehicle that struck the pedestrian pays these benefits. Remember, eligible persons are entitled to these benefits regardless of who was at fault.

Recovery For Pain And Suffering Arising Out Of A Motor Vehicle Accident

In Massachusetts, if you’re injured in a motor vehicle accident, you may recover compensation for pain and suffering and emotional distress only if the other party was at fault for your injuries and you incurred any one of the following:

• Reasonable and necessary medical bills over $2,000
• A fracture
• Permanent disfigurement such as a scar
• Loss of sight or hearing
• Loss of a body member
• The accident resulted in death

Uninsured And Underinsured Motorist Coverage

If the person who caused the accident doesn’t have insurance or doesn’t have enough insurance to pay for your injuries, you may have your own insurance available to pay for your injuries. It’s called uninsurance or underinsurance coverage. In Massachusetts, uninsurance coverage is compulsory. Check your motor vehicle insurance policy to see what coverage you may have available.

Let us Know if we can help.
If you or a loved one has been injured and you would like more detailed information about your legal rights, please call Charles Campo toll free at 1-866-529-5300 or 617-423-4949, or e-mail Charles Campo about your case at cmc@campolawfirm.com for a confidential evaluation.

Note: This is a general statement of the law and is not intended to be all inclusive. You should always consult with an experienced lawyer about your specific case.

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