Massachusetts Personal Injury Library
When Liability Coverage Isn't Enough After a Massachusetts Car Accident
If you were involved in a car accident and are worried about the limits of the other driver’s liability coverage, it would be in your best interest to consult with an experienced Boston personal injury lawyer that specializes in car accident injury claims.
It is important that your injury lawyer has handled these types of cases and understands liability coverage in Massachusetts and how it will affect your compensation after an accident. This is particularly crucial if you suffered serious injuries that will require long-term care or expensive medical procedures which could quickly add up to exceed the other driver’s liability coverage limits.
Liability Coverage After a Boston Car Accident
Liability coverage is purchased under an auto insurance policy and it covers two areas: bodily injury and property damage.
If you were involved in an accident and the other driver was found to be at fault, the other party’s coverage is required to pay your bills, be they medical or property. As you can imagine, depending on the severity of the accident, these bills can mount quite quickly.
For serious accidents, it is common for liability coverage to fall short of what is needed. For instance, if the other driver’s insurance plan provided injury coverage of $25,000/$50,000, but your medical bills are already $83,000 and climbing, you will have exhausted the limits of the other driver’s liability coverage.
If you chose to get Uninsured/Underinsured motorist coverage on your auto insurance policy, you may be able to recover supplementary compensation from your plan.
Things to Remember
One of the most important things to remember as you are dealing with insurance companies after a car accident-and particularly the other driver’s insurance company-is to be extremely guarded in any responses you give to the insurance adjustor.
Never admit any fault, or go into detail about your injuries.
It’s also critical that you do not sign any settlement agreements or waivers without having your Boston personal injury lawyer look at them first.
Signing these waivers may impede your ability to seek compensation down the line if your injuries continue to pose a financial and physical burden on your life.
Filing a Massachusetts Personal Injury Claim After an Accident
Another option to consider when the at-fault driver’s liability coverage is not sufficient to cover your medical costs is to file a personal injury claim against that negligent driver.
Your first step in the claim process should be to contact an injury lawyer. Talk to your attorney about your liability coverage, as well as the liability coverage carried by any other driver(s) involved in the crash. You should also present your attorney with documentation-such as medical bills-that give specific information about how you are suffering physically and financially as a result of your accident.
An auto accident can ruin and completely change your life. If you have been injured in a car crash, you should contact a Boston auto accident lawyer to learn about your rights and determine liability. When you are interviewing personal injury attorneys ask critical questions, like: how long have you been practicing; what is the largest settlement or verdict you’ve obtained, and do you have experience with similar car accident cases?
The Kiley Law Group takes time when speaking with you about your case and works with you on a contingent fee basis so there are NO FEES unless our trained personal injury lawyers win your case.
Call 1-888-208-1695 for a FREE CONSULTATION.
