Massachusetts operates under a no-fault insurance system, which means that after a car accident, each party's own insurance company is responsible for covering their medical expenses and other related costs, regardless of who was at fault for the accident.
Under Massachusetts law, every driver is required to carry Personal Injury Protection (PIP) coverage as part of their auto insurance policy. PIP coverage provides benefits to the policyholder and their passengers for medical expenses, lost wages, and other accident-related costs, regardless of fault.
For example, let's say you are involved in a car accident in Massachusetts and you have PIP coverage. Regardless of who caused the accident, your own insurance company would be responsible for paying your medical bills up to the limits of your PIP coverage. If you were unable to work due to your injuries, your PIP coverage would also provide reimbursement for a portion of your lost wages.
It's important to note that Massachusetts' no-fault insurance system has certain limitations. If your medical expenses exceed the limits of your PIP coverage or if you suffer serious injuries as a result of the accident, you may be able to step outside of the no-fault system and pursue a claim against the at-fault driver's insurance company. This is known as a "threshold injury" claim.
Threshold injuries include permanent and serious disfigurement, loss of a body part, or substantial loss of hearing or vision. If you meet the threshold criteria, you may be able to seek compensation for pain and suffering, emotional distress, and other damages from the at-fault driver's insurance company.
It's advisable to consult with a qualified personal injury lawyer in Boston, MA to understand your rights and options under Massachusetts' no-fault insurance system. They can guide you through the process, help assess your claim, and ensure you receive the compensation you deserve.
For more information, you can refer to the official website of the Massachusetts Division of Insurance or consult with a reputable Boston personal injury lawyer.