Contact Our Boston Law Firm for Insurance Coverage Questions
Driving in Boston, Massachusetts requires you to carry insurance coverage that meets the legal standards. To comply with the law, you must maintain liability coverage and personal injury protection. The minimum required coverage includes:
- Bodily Injury Liability: $20,000 for a single person, $40,000 per accident
- Property Damage Liability: $5,000
- Uninsured/Underinsured Motorist Bodily Injury: $20,000 for one person, $40,000 per accident
- Personal Injury Protection (PIP): $8,000 for named policyholders or household members
For added protection, you can opt for collision and comprehensive insurance. Collision insurance covers damage to your vehicle from accidents, regardless of who is at fault, while comprehensive insurance protects against damages from non-collision incidents, such as severe weather.
It’s essential to keep proof of current insurance in your vehicle. Driving without the required minimum coverage in Boston can result in a $500 fine, a sixty-day suspension of your driving privileges, and even jail time depending on the situation. Additionally, reinstating your driver’s license and vehicle registration will cost you another $500. To avoid these penalties, make sure you have the necessary coverage, especially since Boston operates under a “no-fault” insurance system.
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Recent Amendments to Insurance Coordination
New regulations that affect how auto and health insurance providers manage medical bills related to vehicle accidents in Boston have been implemented. Contact our Boston personal injury lawyer team if you’re uncertain about your coverage after an accident. We handle auto accident cases in Boston and offer a free initial consultation to help you understand your rights and options.
Obtain Your Free Police Report
Our Boston Personal injury lawyer team can help you obtain your crash report at no cost. Visit our police report request page, complete the form, and we’ll take care of the rest.
We've offered crucial support and guidance to individuals who have suffered injuries, ensuring their financial and emotional well-being.
Understanding Insurance After an Accident
If you’re injured in a vehicle accident in Boston—whether as a driver, passenger, or pedestrian—your auto insurance should cover your medical expenses initially. The Personal Injury Protection (PIP) benefits on your policy are the primary source of coverage for the first $2,000 in medical claims. After that, your health insurance takes over. Medical claims are processed according to your health insurance policy, and treatments may be limited to network providers unless pre-authorized.
PIP benefits will act as secondary coverage for expenses beyond $2,000, covering copayments, coinsurance, deductibles, or treatments not covered by your health plan. However, it will not cover claims denied by your health insurer due to non-compliance with your health plan terms.
If your policy includes Medical Payments (MedPay) coverage, it serves as secondary coverage, paying for medical treatment denied by your health insurance and PIP. Note that PIP is not available for motorcycle accidents in Boston, even if the rider has a policy covering both a motorcycle and a passenger vehicle.
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What Is Third-Party Liability?
As a no-fault jurisdiction, Boston prioritizes coverage through your own insurance, health insurance, and other personal policies. However, through the at-fault driver’s insurance, you can still pursue third-party benefits for pain and suffering, lost wages, scarring, or disfigurement. To qualify for these benefits, you must have a “threshold injury,” such as a severe impairment of an important body function, significant disfigurement, or death. Proving this often requires detailed medical records and expert testimony, making working with an experienced Boston car accident lawyer essential.
Why You Might Need a Boston Car Accident Attorney
Insurance companies often aim to minimize their payouts, making it challenging to secure fair compensation. Even with regulations in place, insurers might use various tactics to undercut your claim, especially when it comes to third-party liability.
For assistance with a car accident claim in Boston, contact DiBella Law Injury and Accident Lawyers We handle numerous claims throughout the city and work on a contingency basis—meaning we only get paid if you receive fair compensation for your injuries and related expenses.
We are committed to providing valuable information and resources to assist you.