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Car accidents can be overwhelming and stressful. Understanding the laws in Massachusetts can help alleviate some of the confusion and ensure you know your rights and responsibilities. This article provides a comprehensive guide to car accident laws in Massachusetts, offering insights into how to file a claim, when to hire a car accident lawyer, and what compensation you may be entitled to.
Filing an Insurance Claim
Massachusetts has a no-fault insurance system, which means that regardless of who is to blame, your own insurance covers your medical costs and lost income. Here’s a breakdown of the steps to file a claim.
- Reach Out to Your Insurance Company: Contact your insurer and inform them about the incident as soon as you can.
- Submit Required Documents: Provide the necessary documentation, including the police report, medical records, and proof of expenses.
- Cooperate with the Investigation: Your insurance provider will look into the claim. To make sure the process goes well, cooperate completely.
Here are the documents required to file a claim.
| Document Type | Description |
| Police Report | Official report detailing the incident |
| Medical Records | Documentation of injuries and treatments |
| Proof of Expenses | Receipts and bills for medical costs and lost wages |
| Accident Scene Photos | Photos of vehicle damage and the location |
| Witness Statements | Statements from anyone who witnessed the situation |
Understanding Massachusetts Car Accident Laws
No-Fault Insurance System
Massachusetts operates under a no-fault insurance system. This system is designed to ensure that victims receive compensation quickly without the need to determine fault. Your Personal Injury Protection (PIP) coverage will pay for your medical expenses, lost wages, and other out-of-pocket costs up to the policy limit, typically $8,000.
Comparative Fault Rule
In Massachusetts, if you are partially at fault for the accident, you can still recover damages. However, the amount you receive will depend on your percentage of fault. If you are found to be more than 50% at fault, you cannot recover any damages from the other party.
Statute of Limitations
In Massachusetts, you have three years to file a lawsuit after an automobile accident. This means you have three years to file a lawsuit for…
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