Boston Car Accident Lawyer
Don’t allow a car crash to put your future and finances at risk. To find out what your case is really worth and what your options for financial compensation are, consult a Boston car accident lawyer.
When you’ve been hurt in an auto wreck, the last thing you need is more stress and problems to add to what you’ve already been through. The injuries, trauma, and vehicle damage are all bad enough, but in some ways, the medical bills, lost time at work, pain and suffering, and other expenses and losses caused by the accident can all be worse than the wreck itself.
Since Massachusetts is a no-fault state for car insurance, you should be able to count on them to help you through at least some of these issues, but in reality, nothing could be further from the truth. They’ll give you a claim number and then actually treat you like a number. They won’t be worried about getting you a settlement that pays for your recovery—instead, they’ll be concerned with padding their own profit margins by settling your claim quickly and for as little as possible.
Whether you caused your accident or not, the insurance company won’t be on your side, which is just one more problem to deal with after the crash. A Boston car accident lawyer from Joel H. Schwartz, PC can help you solve these issues, however. In fact, we’ll both shoulder the burden for you and get you the compensation you need so that you can focus on your recovery instead.
You Have Options Beyond PIP Coverage
Because Massachusetts is a no-fault state for car insurance, your own insurance company will be responsible for covering your initial damages after the crash. This includes your medical expenses and a portion of your lost income if you have to miss work, but not all plans will compensate you for property damage and other losses.
Additionally, your no-fault coverage, also known as personal injury protection (PIP), will only pay for your expenses up to your policy limits. If your damages exceed your PIP coverage, you’ll need to seek additional compensation through a personal injury lawsuit against the at-fault party responsible for your auto wreck.
You’ll need to meet at least one of several criteria in order to be eligible to file suit, and a Boston car accident lawyer from our firm can help you make the determination if you aren’t sure:
- Your medical expenses most total at least $2,000
- Your injuries include a bone fracture or break
- Your injuries have resulted in permanent disfigurement
- Your injuries have caused permanent sight or hearing loss
Get Every Penny Owed for Your Injuries
The type of injuries you suffer in your car crash will have a significant impact on the compensation you receive. For example, if you suffer brain damage or a spinal injury, it’s possible that recovery won’t be possible. This could mean that returning to work won’t be feasible and that you’ll no longer be able to take part in activities you once enjoyed.
Likewise, a burn injury or deep laceration might not hinder your physical capabilities, but it could leave you permanently disfigured. This will greatly impact your personal life and could even hinder your professional opportunities. A disfiguring injury might be correctable through plastic surgery, but doing so won’t be inexpensive—and it might not be covered by your health insurance, either.
Conversely, something like a broken bone or whiplash could be recovered from in relatively short order, but you’ll still accumulate medical debt and endure pain and suffering and a decreased quality of life in the interim. If you weren’t the one at fault, you deserve to be compensated for all of the ways that your injury will impact your life, and a Boston car accident lawyer from our office can make sure that happens.
The Insurance Company Is NOT on Your Side
As mentioned above, the last thing the insurance is worried about is treating you fairly. The insurance adjuster assigned to your claim might seem like he or she is on your side, but adjusters are trained to minimize the amount the insurance company will pay out on claims.
Whether you’re dealing with your own PIP or filing a claim with the at-fault driver’s insurance, any settlement offer you receive is all but guaranteed to be substantially less than what your claim is really worth. Assessing the true value of your claim means taking into account more than just your current medical and repair bills, which is something the insurance isn’t going to help you with.
Your Boston car accident lawyer will work closely with both you and your healthcare providers to determine the full extent of your injuries, the care you’ll need to recover, and how long your recovery will take. All of the following items need to be factored into your financial award:
- Cost of medical care and treatment—including future expenses
- Any income you have lost because of your injuries
- Renovations made to your home to accommodate a disability
- Medical equipment and medication
- Pain and suffering
- Damage done to your marriage and personal relationships
- Lost enjoyment of life
Identify Everyone Responsible
Just as important as correctly assessing the value of your claim is knowing whether you have grounds for a personal injury claim in the first place. While your injuries and expenses might meet the thresholds for filing, someone else still needs to be demonstrably at fault for what happened in order to receive compensation.
Determining who was at fault and how will require a full investigation of your crash. Evidence will need to be collected and witness testimony gathered. Your Boston car accident lawyer can handle these tasks for you. Whether the driver who hit you was guilty of speeding or distracted, drunk, or drowsy driving, we’ll find whatever evidence is available to back up your claim.
It may even be that more than one party was at fault. For example, dangerous road conditions may have contributed to the crash, thereby implicating the government agency responsible for the road’s upkeep. Similarly, an unsecured roadwork site could leave the construction company at fault.
Boston Car Accident FAQ
After your auto collision, you almost certainly have a number of questions that need to be answered. This is perfectly normal, and your Boston car accident lawyer will be available to answer any questions you might have. Below, we’ve addressed a few of the ones we hear most often:
How long do I have to file a car accident claim in Massachusetts?
Massachusetts allows injury victims a three-year statute of limitations in which to file a personal injury claim for a car crash. If you exceed these time constraints, odds are good that your case will be thrown out of court, so it’s best to file as soon as possible.
What’s the first thing I should do after a car accident?
You should always seek medical attention immediately after a crash. Even if you feel fine, you might have suffered delayed injuries that aren’t showing symptoms yet. Afterward, you’ll want to contact your PIP insurance carrier so that your medical bills can start getting paid immediately. Make sure to contact our office so that we can ensure the amount provided by your carrier is everything it should be.
Will I have to go to court for a car accident?
It’s possible, but the truth is that most cases settle out of court through negotiations. By building a compelling case backed with evidence, we can put you into the strongest negotiating position possible, making it more likely that court can be avoided. Trial only becomes necessary if the other side refuses to make you a serious offer.
What do I say to the other driver’s insurance company about the car crash?
If a representative of the other driver’s insurer contacts you and asks for a statement, you should instead refer them to your attorney. They’ll do everything they can to pin blame for the crash onto you because it will reduce what they have to pay you—and that includes using your words out of context against you. We can make sure they don’t get an unfair advantage over you.
Do I need an attorney to get compensated for a car wreck?
While it’s certainly possible to settle a claim without help from an attorney, you probably won’t get all the funds that you are entitled to. Even your own PIP insurer will try to lowball what they pay you, and the other driver’s insurer will either try to blame you for the wreck or make an offer that sounds good but is far from comprehensive. An auto wreck attorney can build a case that proves the other party’s fault and properly assesses the value of your claim, thereby giving you the opportunity for the largest financial award possible.
Contact a Boston Auto Wreck Attorney
Whether you were hurt in a minor rear-end collision or suffered serious injuries in a head-on accident or rollover, you deserve financial compensation when you weren’t at fault. While it might be true that the insurance won’t be on your side, you can count on Joel H Schwartz, PC to look out for your best interests and to aggressively pursue the settlement you deserve.
To explore your options during a free, no-obligation legal consultation with a Boston car accident lawyer, give us a call at 1-800-660-2270 or submit the contact form on this page.