Question 1

How Do You Get Car Insurance?

Accepted Answer

The first step when purchasing car insurance in Massachusetts is to determine what kind of coverage you need: personal injury protection, liability, collision, or comprehensive. For reference:

Personal injury protection (or no-fault): Covers your medical expenses and 75 percent of missed wages up to $8,000.

Liability: Protects you financially after an accident you were at fault for. Injured individuals may seek compensation through your liability coverage.

Collision: Covers the cost of repairing your vehicle or replacing your totaled vehicle after an accident.

Comprehensive: Covers accident damage and unrelated damage, such as “acts of God” (usually weather), theft, vandalism, etc.

Once you have decided which type of coverage to purchase, you can use an online tool to compare costs between companies. You can then purchase a policy online, over the phone, or by visiting an insurance office. If you need advice on how to purchase auto insurance in Massachusetts, schedule a call with CarAccident.Law. We are here to help.

Question 2

How Do I File an Auto Insurance Claim in Massachusetts?

Accepted Answer

To file a an auto insurance claim in Massachusetts, simply call your insurance company and tell your agent what happened and when. They may instruct you to take your car to a certain shop for repairs or evaluation. Send them any documentation you have via email, write down the case number you are assigned, and provide them with the insurance details and contact information from the other driver(s). It is best to let an attorney complete these steps to ensure your right to compensation is protected, as some insurance agents intentionally manipulate conversations with injured individuals to lower the value of their claims and avoid payouts.

Question 3

How Much Does Car Insurance Go up after an Accident?

Accepted Answer

After you file a claim for a car accident, your insurance premium will most likely go up, unless your policy includes accident forgiveness. Accident forgiveness does not mean that all costs associated with an accident are forgiven, but that an accident will not be factored in when the insurance company calculates your premium. If you do not have accident forgiveness, your premium may increase by as much as 70 percent, though the national average is 45 percent, according to Forbes.

Question 4

How Much Does Auto Insurance Cost in Massachusetts?

Accepted Answer

The average cost of car insurance in Massachusetts is around $100 per month. That said, your car insurance premium may be more or less depending on certain factors like good student discounts, previous accidents, or programs such as “safe driver discounts.” Your age and gender can also impact the amount you pay for auto insurance – men and anyone under 25 years of age tend to pay more.

Question 5

What Happens when a Car Accident Claim Exceeds Insurance Limits?

Accepted Answer

What happens if your car accident claim exceeds the limits of your insurance policy depends on whether someone else was at fault for the accident. If someone else was at fault for an accident, and your costs exceed your own personal injury protection coverage, you may be able to sue them for the remaining costs.

Filing a car accident lawsuit for remaining, uncovered accident-related losses can be made easier with the help of an experienced attorney. Fortunately, CarAccident.Law can connect you with the right legal counsel for your situation so you have one less thing to worry about.

Question 6

How Long Will Insurance Pay for a Rental Car after Accident?

Accepted Answer

In order to have a rental car paid for by your insurance, your policy must include rental reimbursement. The amount covered by insurance and the length of coverage depend on your policy. If your policy does include rental reimbursement, be sure to check how the reimbursement is set up. Allowing a daily budget for a rental for a limited number of days ($50 per day for 30 days, for example) is a common approach.

Question 7

Does Car Insurance Cover Non-Accident Repairs?

Accepted Answer

Certain non-accident repairs may be covered if you have comprehensive car insurance. Incidents such as theft, vandalism, or a single-car collision are generally covered after you meet your deductible.

Question 8

What Injuries Does No-Fault Auto Insurance in Massachusetts Cover?

Accepted Answer

Regardless of your injuries, no-fault auto insurance in Massachusetts has a limit of $8,000 per person, meaning that it will cover out-of-pocket medical expenses and 75 percent of lost wages up to a maximum of $8,000 total. Should your medical bills exceed this limit, you may have to pay the rest out of pocket.

Question 9

What is Liability Car Insurance?

Accepted Answer

Liability car insurance policies financially protect you in the event that you cause an accident. If you are found to be at fault for a car accident that injured someone else or damaged their property, they may file a claim through your liability coverage to recoup those losses. Property damage is not limited to vehicles and can include damage to a mailbox or other home items.

Question 10

What is No-Fault Auto Insurance?

Accepted Answer

No-fault auto insurance may also be referred to as “personal injury protection.” In the event of an accident, this insurance covers medical expenses for you and anyone in your vehicle regardless of who is at fault for the collision. Unlike comprehensive or liability auto insurance, no-fault insurance does not cover damage to your vehicle and only covers damage to another involved driver's vehicle, depending on which policy you have. It also does not cover medical care for other drivers involved in the accident.

Question 11

My insurance company denied my claim. Is there anything I can do?

Accepted Answer

Denied claims aren’t necessarily final. Policyholders still have the option to appeal the decision. If you met all of the conditions of your coverage and your policy covers the type of damage you are submitting a claim for, very likely you can overturn the denial. It is recommended that you hire an insurance dispute lawyer who can review the terms of your policy and help you appeal the decision.

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