If you live in Massachusetts and wish to own and drive your own vehicle, it is required that you obtain car insurance. The minimum coverage you must have is outlined as follows:
Bodily Injury to Others
Personal Injury Protection
Bodily Injury Caused by an Uninsured Motorist
Damage to Someone Else’s Property
$20,000 per person/$40,000 per accident
$8,000 per person or accident
$20,000 per person/$40,000 per accident
$5,000 per accident
In short, this means that if you (1) injury someone else in the accident, your insurance covers up to $20,000 in liability damages; (2) if you are injured, up to $8,000 of your medical bills are covered no matter who caused the accident; (3) if you are injured by an uninsured motorist, up to $20,000 of your medical bills are covered and; (4) if you damage someone else’s property in an accident, up to $5,000 of that persons damages are covered by your insurance policy. Again, this is the minimum required amount to have in Massachusetts to operate your own motor vehicle.
The Injury Law Group prioritizes their clients, is not afraid to stand up to insurance companies, and has years of experience taking cases to court.
There are several reasons people chose to file claims against the driver’s insurance. Whatever the reason, you must meet a certain set of requirements to set outside of the claim with your insurance company to file one against the driver.
In order to file a claim against the person who caused the accident, you must have accumulated at least $2,000 of medical expenses and/or the injuries must be incredibly severe such as permanent disfigurement, broken bones or loss of vision/hearing.
Third-party benefits apply to those who can provide sufficient proof of pain and suffering as a result of the accident, lost wages from working due to medical leave, and coverage for damages to your car.
Additionally, you can file for third-party benefits that include (up to) $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damages per accident.
Call or text Attorney Paulsen directly for a free consultation about your case at 617-821-5856. It is never too early or late to call us; we are here to help you.
Our passion is to help those in need. Contact us today.