There are more than 135,000 motor vehicle accidents in the state of Massachusetts each year, including car accidents, truck accidents, and motorcycle accidents altogether. Unfortunately, a great deal of these accidents often involve property damage, personal injury, and, in the worst-case scenario, a wrongful death of a loved one.
Most people’s first instinct following the accident, after receiving medical attention, of course, is to call their insurance company and have their medical bills covered by insurance. However, if you’ve sustained injuries in a car accident, that’s the last thing you should do. The first thing you should do is call a car accident lawyer or a law firm, and we’ll explain why in this article.
Navigating Auto Accidents in Dartmouth: Why You Need an Expert
Insurance companies often use marketing jargon to get you to sign up for their insurance package, stating that they’ll cover your medical expenses and other financial losses that are associated with or have resulted from the injuries you’ve sustained in a car accident.
While almost all insurance companies do exactly what they advertise, your insurance provider is still a business looking to maximize its profit margin, even at your expense. This is why you need a car accident personal injury lawyer.
If you sustained serious injuries in a car accident, and your injuries are preventing you from going to work, this implies that on top of accruing medical bills for your treatment, you’re also losing wages, as you’re unable to work. Your PIP coverage is designed to pay for your medical expenses and, in some cases, even lost wages and other damages.
However, that’s not always the case, and in most cases, personal injury protection (PIP) often doesn’t cover all expenses, leaving you to pay a portion of your medical bill out of pocket. After you file a claim with your insurance company, an insurance adjuster reviews your policy and investigates the claim, including reviewing medical reports and varying treatments and costs.
This assesses the necessary and reasonable medical expenses incurred after the accident. However, the adjuster works on behalf of the insurance company so it’s important to have someone fighting for you as well.
If you try to negotiate a better settlement in court, the insurance company will likely employ hostile tactics. This includes drawing out the process (during which time you would accrue more medical debt), to pressure you into accepting a low settlement. On top of this, the legal system is often biased toward insurance companies at the expense of accident victims.
Enlisting the help of a personal injury attorney or a personal injury law office with years of experience in car accident cases is crucial. Not only will they provide you with adequate legal advice, but their knowledge of how insurance companies operate and which tactics they use can help you navigate the legalities of your personal injury case.
Law firms such as Goldberg Law Group even offer free consultations, case assessments, and assistance in gathering and reviewing medical and law enforcement reports associated with the car accident itself and the injuries you sustained. They grant you more negotiating power against insurance companies, ensuring that you receive a fairer case settlement.
Getting to Know Dartmouth: Navigating the Legal Landscape
The state of Massachusetts is a no-fault state, which means that the parties involved in a motor vehicle accident seek financial reparations from their respective insurance provider. Instead of filing a case with an at-fault driver’s insurance, you’re filing a case with your own insurance company.
To streamline the legal process and alleviate the additional workload of the justice system, the state requires that you have a personal injury protection policy in place, which is designed to cover your medical expenses and related costs resulting from an accident, regardless of who’s at fault.
However, suppose the accident has resulted in severe injuries, such as permanent disfigurement, dismemberment, organ damage, burns, severe lacerations, or any injury that breaks the serious injury threshold. In that case, you have legal grounds to claim financial compensation from the at-fault driver’s insurance company as well.
Regardless of whether you’re in a no-fault or at-fault state, always exchange insurance information from parties involved in an accident, regardless of liability. Regardless of how severe or light your injuries might be, you must seek medical attention, even if you sustained minor injuries—because some injuries may take time to manifest.
Both law enforcement and your medical doctor/primary physician will provide you with the medical reports needed for filing your personal injury claim. You’re legally obliged to report your involvement in a car accident within the time specified by your policy. Failing to do so might give your insurance company legal grounds to deny your claim.
However, we strongly advise that you don’t contact your insurance company without seeking legal advice from a personal injury lawyer beforehand. Alternatively, if you have to report the accident in a short time period, call your personal injury lawyer and schedule your initial consultation.
Consult Our Dartmouth Car Accident Attorney Today
Goldberg Law Group provides comprehensive personal injury legal services, which include vehicle accidents, medical malpractice, workplace accidents, slip and fall accidents, and many other practice areas.
With more than 30 years of combined experience, we offer free consultations with experienced personal injury lawyers. In addition to a free consultation and case evaluation, you don’t have to pay any attorney fees until we get you the compensation for your injuries and all associated costs.
If you were involved in a motor vehicle accident, don’t let your insurance company maximize its profit at your expense, call today, and we’ll ensure that you’re adequately compensated for your injuries.
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