If you just got into a car accident in Massachusetts, you may be incredibly worried about covering all the expenses—especially if you were the one that caused the problem. Your first step should be seeking out a Boston personal injury attorney if you are distressed and need help. The good news is, that if you were at fault, you can still receive benefits.
Why can I get compensation if I was at fault?
In regards to vehicle accidents, Massachusetts is considered a "no-fault state." This means that even though you caused the accident, the other party you injured would just go through their own auto insurer and you would go through yours. Auto insurance companies will pay up to $8,000 even if you were the one who caused the accident.
Is there still some kind of drawback to being at fault?
Having a no-fault law can give you a great peace of mind if you, a friend, or a family member has suffered injuries. But also keep in mind that "no-fault" benefits fall under "first-party benefits." This means that the insurer will only pay for first-party benefits such as injuries that arise from operation, maintenance, and ownership of a vehicle.
However, if the other party involved in the accident has suffered a non-financial loss, such as pain and suffering or extreme wage loss, then he or she can sue you under third-party benefit laws. Thankfully, not every person can just sue you if they feel like it—they must prove that they have suffered what's known as a "threshold injury" to the insurance adjusters.
Can I still get benefits if I'm not insured?
Although an auto insurance company will usually be the first to pay for the accident, there may be times when persons who are uninsured are involved. If this is the case, things can get a little complicated. If you are uninsured, you may be able to receive benefits from the insurance company of a relative living with you.
If they don't have insurance, then you may have to defer to the owner of the vehicle or the driver's insurance. If none of these people can help you, then the State of Massachusetts Assigned Claims Facility can help you.
Keep in mind that the Massachusetts Auto Insurance Plan (MAIP) can help you find affordable insurance. This program helps people who've struggled finding a good plan in the regular market. If you are worried about receiving benefits, set up a free consulation with a Car Accident Lawsuits Boston.
Why can I get compensation if I was at fault?
In regards to vehicle accidents, Massachusetts is considered a "no-fault state." This means that even though you caused the accident, the other party you injured would just go through their own auto insurer and you would go through yours. Auto insurance companies will pay up to $8,000 even if you were the one who caused the accident.
Is there still some kind of drawback to being at fault?
Having a no-fault law can give you a great peace of mind if you, a friend, or a family member has suffered injuries. But also keep in mind that "no-fault" benefits fall under "first-party benefits." This means that the insurer will only pay for first-party benefits such as injuries that arise from operation, maintenance, and ownership of a vehicle.
However, if the other party involved in the accident has suffered a non-financial loss, such as pain and suffering or extreme wage loss, then he or she can sue you under third-party benefit laws. Thankfully, not every person can just sue you if they feel like it—they must prove that they have suffered what's known as a "threshold injury" to the insurance adjusters.
Can I still get benefits if I'm not insured?
Although an auto insurance company will usually be the first to pay for the accident, there may be times when persons who are uninsured are involved. If this is the case, things can get a little complicated. If you are uninsured, you may be able to receive benefits from the insurance company of a relative living with you.
If they don't have insurance, then you may have to defer to the owner of the vehicle or the driver's insurance. If none of these people can help you, then the State of Massachusetts Assigned Claims Facility can help you.
Keep in mind that the Massachusetts Auto Insurance Plan (MAIP) can help you find affordable insurance. This program helps people who've struggled finding a good plan in the regular market. If you are worried about receiving benefits, set up a free consulation with a Car Accident Lawsuits Boston.
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