Boston’s No-Fault Insurance System: What You Need to Know After a Crash

March 14, 2024

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Boston’s streets, renowned for their historical charm and vibrant culture, can unfortunately also be the setting for car accidents. In the aftermath of a crash, understanding Boston’s unique no-fault insurance system is crucial for drivers to navigate the complexities of acquiring compensation for injuries and damages. 

In this article, we will dive into what you need to know about Boston’s no-fault insurance system and provide insights on how to proceed after a car accident.

Understanding Boston’s No-Fault Insurance System

In Boston, a no-fault insurance system is in place, where each party’s insurance company handles their own medical expenses and damages following a car accident, irrespective of fault. This system aims to promptly compensate injured parties and streamline the claims process, minimizing the necessity for prolonged legal disputes.

Critical Components of Boston’s No-Fault Insurance System

  • Personal Injury Protection (PIP)

In Boston’s no-fault system, drivers must have Personal Injury Protection (PIP) insurance. PIP covers medical costs and lost income for the policyholder and passengers injured in a car accident, regardless of fault. This coverage usually also applies to pedestrians and cyclists involved in accidents.

  • Threshold for Lawsuits

While Boston operates under a no-fault insurance system, there is a threshold for filing lawsuits against at-fault parties for additional damages beyond what is covered by PIP. In Massachusetts, the threshold for filing a lawsuit after a car accident includes meeting certain criteria, such as medical expenses exceeding a certain threshold or sustaining a permanent or serious injury.

  • Uninsured/Underinsured Motorist Coverage

In addition to PIP coverage, motorists in Boston must have underinsured and uninsured motorist coverage. This coverage safeguards drivers in case they are in a collision with a driver who either lacks insurance or carries inadequate coverage to fully cover damages.

Seeking Legal Assistance

Although Boston’s no-fault insurance system simplifies the claims procedure, maneuvering through the aftermath of a car accident can still be overwhelming. In instances where injuries are significant or damages surpass the coverage offered by PIP, it is recommended to seek legal aid from seasoned Boston car accident attorneys.

Specializing in car wreck cases, Boston car accident attorneys offer invaluable support throughout the claims process. They assist injured parties in negotiating with insurance companies, understanding their rights, acquiring secure fair compensation, and, if needed, pursuing legal action against negligent parties.

Choosing the Right Attorney

When researching Boston car accident attorneys to represent you, selecting a reputable firm with a successful record is crucial, especially when it comes to handling car accident cases. Look for attorneys with extensive experience, specialized expertise in personal injury law, and a history of achieving favorable client outcomes.

Additionally, consider factors such as the attorney’s communication style, responsiveness, and willingness to provide personalized attention to your case. An empathetic and committed lawyer can significantly impact the outcome of your case and offer invaluable support during a difficult period.

Wrapping Up

Navigating Boston’s no-fault insurance system after a car accident requires a solid understanding of the key components and potential challenges involved. By acquainting yourself with the nuances of the system, seeking legal aid when necessary, and proactively safeguarding your rights, you can easily obtain the compensation you rightfully deserve.

Remember, you don’t have to face this process alone—experienced Boston car accident attorneys are here to help. For more information about Boston’s no-fault insurance system, contact Michael Kelly Injury Lawyers today!

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MEET YOUR LAW GUYMICHAEL D. KELLY, ESQ.

Michael D. Kelly has a diverse background that provides a breadth of legal knowledge that he draws upon in serving his clients. Kelly compiled an excellent academic record during his three years at New England Law in Boston.