Massachusetts car accident loans

No-Fault Insurance: Massachusetts is a no-fault state for auto insurance. This means that after a car accident, each driver’s own insurance typically covers their medical expenses and certain other damages, regardless of who was at fault.

Personal Injury Protection (PIP): Massachusetts requires all drivers to carry Personal Injury Protection (PIP) coverage as part of their auto insurance. PIP helps cover medical expenses and lost wages for the policyholder and passengers injured in a car accident.

Statute of Limitations: In Massachusetts, there is a statute of limitations for filing a personal injury lawsuit after a car accident. You generally have three years from the date of the accident to initiate a lawsuit seeking damages for injuries or property damage resulting from the collision.

Comparative Fault: Massachusetts follows a modified comparative fault system. If you are partially at fault for a car accident, your compensation may be reduced proportionately to your percentage of fault. However, you can only recover damages if your fault is determined to be less than 51%. If your fault is equal to or greater than 51%, you may not be eligible to recover any compensation.

Hands-Free Cell Phone Use: Massachusetts law prohibits all drivers from using handheld electronic devices, including cell phones, for texting, making calls, or accessing the internet while driving. Only hands-free devices are allowed.

Seat Belt Laws: Massachusetts has primary enforcement seat belt laws, meaning law enforcement officers can stop and ticket drivers solely for not wearing seat belts. All occupants in the vehicle, both front and rear seats, are required to wear seat belts.

Mandatory Reporting: Massachusetts law requires drivers to report car accidents to the local police department if the accident results in injury, death, or property damage exceeding $1,000.

Hit-and-Run Penalties: Massachusetts imposes severe penalties for hit-and-run accidents. Leaving the scene of an accident involving injury or death can result in significant fines, license suspension, and potential imprisonment.

Uninsured/Underinsured Motorist Coverage: Massachusetts requires auto insurance companies to offer uninsured and underinsured motorist coverage to policyholders. This coverage can protect you if you are involved in an accident with a driver who does not have insurance or whose insurance coverage is insufficient to fully compensate you for your damages.

Consult with an Attorney: If you are involved in a car accident in Massachusetts, it is advisable to consult with a qualified personal injury attorney. An attorney can help protect your rights, navigate the legal process, and ensure you receive fair compensation for your injuries and damages.