Commonly Asked Car Accident Questions
In preparation for the fight ahead, it is important to know your rights and the pushback you may experience from insurers. Below you will find answers to two of our most frequently asked client questions. Keep in mind that this page is not comprehensive. The best way to receive the answers you need as they pertain to your case is to schedule a free consultation with attorney Michael Foresta.
Whose Insurance Company Will Pay For My Medical Bills And Wage Loss?
Massachusetts is a no-fault state. As such, drivers are required to purchase personal injury protection (PIP) coverage through their own insurance companies. After your accident, your own car insurance company will pay your medical expenses and wage loss regardless of who or what caused the crash. However, they will only pay up to the tort threshold. In Massachusetts, the threshold is $8,000. In some cases, you may also receive compensation from workers’ compensation insurance, your private health insurance company or Medicare.
Do I Have A Viable Personal Injury Claim?
You may have a claim against the other driver if your medical expenses exceed $2,000 or you sustained a permanent injury, scarring or disfiguration. However, you must file a lawsuit within three years from the date of the accident. With over two decades of experience in accident claims, we are capable of calculating the full cost of the car accident and negotiate a settlement on your behalf. Do not wait to contact our firm or you may risk missing the filing deadline.
When Should I Settle My Injury Claim?
We do not rush to settlement with our clients who are car accident survivors. This strategy serves a specific purpose. A rushed settlement agreement may not account for all the costs of the accident. If you receive a new bill from the hospital after signing a settlement agreement, you cannot go back to the insurance company and request more money. The insurance claim is your only chance to make sure you are fully and fairly compensated.