MASSACHUSETTS AND RHODE ISLAND AUTO ACCIDENT ATTORNEYS
MASSACHUSETTS AND RHODE ISLAND AUTO ACCIDENT ATTORNEYS
If you’ve been injured in a car accident, you’re facing escalating medical expenses, piles of forms and short deadlines to file claims. Meanwhile, the insurance companies will try to convince you that you can trust them to give you a fair deal, but the reality is that they are only seeking their own financial interest in paying out as little as possible for claims. Without prompt and accurate legal advice, you can find yourself in a deteriorating financial situation. That’s why it’s important to hire an experienced Massachusetts and Rhode Island auto accident attorney as soon as possible after your crash. The Botelho Law Group is the top auto accident law firm in Massachusetts and Rhode Island, serving Bristol, Plymouth and Norfolk counties. Call (888) 269-0988 to schedule a free confidential consultation.
How Can An Auto Accident Attorney Help You?
When you hire an experienced Massachusetts and Rhode Island auto accident attorney, your case will immediately be on the path to success. You’ll receive help with the following issues from day one:
- Submitting medical bills covered by insurance;
- Property damage and rental claims;
- Finding the best medical care with applicable insurance;
- Submitting claims for lost wages and lost business income;
- Preservation of evidence;
- Filing forms correctly and on time;
- Handling all correspondence with responsible parties and insurance companies and
- Negotiating a settlement and/or taking the case to court.
Once you’ve signed the papers, an Massachusetts and Rhode Island auto accident attorney will handle every aspect of your case, so you can focus on healing. The Botelho Law Group is the top auto accident attorney in Massachusetts and Rhode Island, serving Bristol, Plymouth and Norfolk counties. Call (888) 269-0988 to schedule a free confidential consultation.
How Do Medical Bills Get Paid For An Auto Accident?
In a “no-fault state” like Massachusetts, some post accident expenses are paid by car insurance personal injury protection (PIP) coverage, without regard to who caused the accident. The operation of no-fault can be confusing and the deadlines for filing are short, so it’s important to consult with an experienced Massachusetts auto accident attorney as soon as possible after the accident. The minimum policy required in Massachusetts includes a mandatory $8,000 in coverage for medical bills and lost earnings, but if it’s your own car, you’ll have to pay your deductible before the coverage kicks in. For example, if you have a $500 deductible, it’s only $7,500 in coverage. If you have non-ERISA health insurance, you’re only entitled to $2,000 in benefits, plus deductibles and copays unless you can prove that your plan doesn’t cover treatments for the injuries you sustained. Massachusetts personal injury protection will also pay 75% of your lost salary or business loss up to the $8,000 cap for medical and lost earnings combined. If you were working at the time of the accident, workers compensation, rather than PIP, will pay medical and lost earnings benefits. Rhode Island is not a no-fault state, so personal injury protection (PIP) is rarely available for auto accident victims. This means that your medical bills will be paid by your health insurance, Medicaid or Medicare in the same manner as your other health costs. Your health insurance will put a lien on your case which will be recovered as part of your settlement or verdict against the parties at fault. In Rhode Island, if you were working at the time of the accident, workers compensation will be primary for covering your medical expenses and disability claims.
Types of Auto Accidents
There are many types of auto accidents that cause injuries to drivers, passengers and pedestrians. These are the most common types of auto accidents:
- Rear End Accidents are when an automobile strikes the back of another vehicle. The accident is usually caused by a driver that’s following the car in front too closely, and can’t stop quickly enough when the vehicle in front slows down or stops. Rear end accidents often cause “whiplash” injuries that can result in chronic long lasting pain.
- Head on Collisions cause some of the most severe and catastrophic auto accident injuries due to the multiplying effect of the speeds of both vehicles upon impact. They are usually caused by drivers that are so severely impaired that they are driving on the wrong side of the road, or by another impact that propels a vehicle into oncoming traffic.
- T-bone Accidents usually occur at intersections or when a vehicle fails to yield the right way. They’re called t-bone accidents because the cars impact each other at right angles, forming a t-bone shape. The most serious injuries are to occupants seated where the vehicle is struck on the side.
- Sideswipes occur when a vehicle loses control or when one car is overtaking another without taking proper care to make sure that the lane is clear. Injuries from sideswipes are usually minor, but can be severe if the initial impact causes surrounding vehicles to lose control.
- Chain reaction accidents are when an initial impact causes other vehicles to crash. It can be difficult to determine the cause of chain reaction accidents where many cars are both hit in the rear and hit other cars in the rear.
- One vehicle accidents are the most common type of auto accidents. They can be caused by the negligence or impairment of the driver or by potholes, animals on the road or other hazards.
If you’ve been injured in an auto accident, it’s important to speak to a Massachusetts and Rhode Island auto accident attorney as soon as possible after the crash. The Botelho Law Group is the top auto accident law firm in Massachusetts and Rhode Island, serving Bristol, Plymouth and Norfolk counties. Call (888) 269-0988 to schedule a free confidential consultation.
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Joseph F. Botelho, Esq.
BOTELHO LAW GROUP
Attorneys At Law
901 Eastern Ave.
Fall River, MA 02723