How a Car Accident Attorney in Massachusetts Handles Insurance Companies

Insurance companies are the pipeline for most of the auto accident claims in Massachusetts. Whether benefits are relayed through Massachusetts no-fault system, or in more severe cases need to be resolved by filing for additional compensation, you still have to deal with insurance companies. There’s the possibility a case may end up in court, but only if negotiations come to a standstill. As a top car accident attorney Massachusetts residents trust, Tapalian Law understands how important it is in certain cases of engaging the insurance company early on. We have over a decade of experience and skill in negotiating the best possible settlement for our clients.

A Car Accident Attorney Massachusetts Trusts Explains Insurance

Under Massachusetts law, every driver is required to carry a minimum amount of auto insurance. The four legally required types of insurance are:

• Personal injury protection (PIP) 
• Bodily injury to others
• Bodily injury caused by an uninsured auto
• Damage to another person’s property

However, when major accidents involving significant injuries and property damage occur, the insurance minimums don’t go far. Under the no-fault system, after an accident, injured parties typically file first with their own PIP insurance company. If their PIP insurance is not enough to cover their injuries, then they may need to file with the insurance company of the at-fault driver.

First-Party Claims

A first-party claim refers to the claim filed with one’s own insurance company. This typically covers:

• Medical expenses
• Funeral expenses
• Lost wages
• Underinsured motorist coverage
• Property damage

Depending on the situation, if the injured party was technically on the job at the time of the accident, workers’ compensation insurance may also be involved.

Third-Party Claims

A third-party claim is when the insured person files against the insurance policy of an at-fault party. This may cover:

• Lost wages
• Medical expenses
• Property damage
• Funeral expenses
• Pain and suffering
• Property damage
• Loss of consortium
• Mental anguish

Insurance companies value their own bottom line above all, which means that it can be difficult to reach a fair settlement agreement – particularly when there are a lot of damages involved. Most people don’t have years of training in personal injury law, and navigating the claims process can be extremely frustrating. Our firm obtains results for our clients through preparation and persistence. We collect the necessary evidence and know what offers are fair and which ones are unjust lowballs. 

We Help You Negotiate

After the accident, your insurance company will assign a claims adjustor to the case. The adjuster works for the insurance company and their bottom line, so their job is to pay you the least amount they can get away with. When you’re still reeling from the trauma of an accident, it’s easy to get confused and take the first offer just to get things over with, even if it’s only a fraction of what you deserve. An experienced personal injury attorney will evaluate your case, help you understand what is fairly owed, and take steps to collect evidence to prove it so you get an optimal settlement. 

Contact Us Today

Insurance companies are supposed to protect their clients in case of accidents by covering damages incurred. After all, you pay your premiums faithfully! Unfortunately, this is not always the case. If you or somebody you love was recently injured in an accident, having an experienced car accident attorney on your side is your best bet for getting a fair settlement. Call Tapalian Law to consult with a car accident attorney Massachusetts trusts today.