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Massachusetts No-Fault Personal Injury Insurance and Negligence

Being in a car accident is no small matter. After seeking treatment for the injuries you sustained, you will need to determine how you will be compensated for your losses. Massachusetts is one of the few states that have a No-Fault insurance law, meaning your insurance company has provisions to award you with compensation following a serious car accident. Unfortunately, this amount may not be enough to cover your medical bills and other expenses.

If this is the case, you may need to file a Massachusetts personal injury lawsuit against the party or parties liable for the accident in order to receive the compensation you need.

What Is Massachusetts No-Fault Insurance?

No-Fault insurance places the liability of the accident in the hands of each party. Your insurance company is responsible for covering your losses. Therefore, you will seek initial reimbursement from your insurance company. The policy does not take into account which party is at fault.

Massachusetts is one of the12 states-including New York and Florida-with a No-Fault law. Massachusetts also operates under a quantitative monetary threshold that requires a specific monetary amount to be spent on medical expenses.

Personal Injury Negligence

Massachusetts personal injury lawsuits are determined by the negligence involved in car accidents. Although No-Fault insurance considers the insurance companies to be liable, negligence can still be attributed to the driver who injures you in an accident. If the driver acts carelessly and is unable to protect you from harm, then their conduct is considered negligent according to the American Bar Association.

Speaking to an experienced Massachusetts personal injury lawyer after your accident can help you determine who is liable, and help you negotiate with your insurance company and/or file a Massachusetts personal injury lawsuit against the person(s) responsible for your injuries.

For more information on Massachusetts personal injury compensation, visit our library. 

The Massachusetts personal injury attorneys at Phillips & Garcia will fight for your rights in your personal injury case. We are committed to protecting your best interests and helping you collect the damages you need and deserve to move on with you life. If you have been injured in a Massachusetts accident, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.