This can happen even if you’re a responsible motorist. The fact that you obey the rules of the road and exercise caution behind the wheel doesn’t mean others will do the same. Thus, you might be injured in a car accident because a driver with whom you were sharing the road was negligent. Other negligent parties who can theoretically cause an accident include:
- Government agencies responsible for maintaining safe roads
- Your vehicle’s designers and manufacturers
If you’ve been injured in a car accident in Massachusetts, you might not be prepared to pay for your medical bills. Luckily, you also might not have to. Keep reading to learn more about who’s responsible for covering your medical expenses after a Massachusetts collision that leaves you injured.
Massachusetts Car Accidents: Important Information About No-Fault Laws
Most states in the U.S. apply the “at-fault” or “tort” model to car accidents. In an at-fault state, if someone else caused your car accident, their insurance would be responsible for compensating you for your medical bills (and related losses, such as lost wages). Thus, to secure the compensation you deserve, it would be necessary to:
- Investigate the accident to identify the negligent party who caused it
- Gather evidence proving negligence
- File a claim with the negligent party’s insurance showing you deserve compensation
The process of securing compensation is different in Massachusetts. Ours is a “no-fault” state. In Massachusetts, you would file a claim with your own insurance to pursue compensation for your medical bills, even if the accident occurred as a result of another party’s carelessness.
This doesn’t mean recovering the full amount of compensation for which you’re eligible will be easy. Understand, your insurer isn’t necessarily going to enthusiastically offer a large payout when you file a claim. To avoid a large financial loss, your insurer might offer you less money than you’re seeking.
This is one of many reasons it’s wise to hire a Massachusetts car accident attorney in these circumstances. Although an ethical lawyer can’t promise that you will receive a specific amount of compensation, they can leverage a thorough understanding of how insurance companies attempt to minimize settlements to negotiate for an appropriate offer on your behalf.