If you were in a car accident in Massachusetts, odds are high that you will need to deal with an insurance adjuster. Massachusetts is one of few states that has a no-fault insurance system, meaning your insurance company covers your medical expenses and lost wages, regardless of who caused the accident through your Personal Injury Protection (PIP) coverage. It generally applies to the policy holder, anyone who has permission to drive the vehicle, as well as passengers in the vehicle.
In addition to dealing with your own insurance, you may also receive a call from the other driver’s insurance provider. How you handle conversations can impact how much funds you can get to cover the cost of the accident.
What should I do when dealing with insurance?
There are certain things that are generally helpful in these situations. Some of the most helpful “dos” regardless of the details of the accident include:
- Report the accident: Notify your insurance company as soon as possible. Timely reporting helps reduce the risk of unnecessary delays.
- Keep records: Document all communications with insurance companies, including dates, times, and the names of representatives.
- Understand your PIP coverage: Familiarize yourself with your PIP benefits, which cover medical expenses and lost wages.
- Seek medical attention: Even if injuries seem minor, get a medical evaluation. This not only helps to ensure your health but also provides documentation for your claim.
- Consult legal counsel: If your injuries are severe, consult an attorney. They can guide you through the process and help you step outside the no-fault system if necessary.
These tips are beneficial whether you decide to pursue legal action or not. As such, it is wise to proactively take these steps to help protect your interests.
What should I avoid when dealing with insurance?
Sometimes the best way to ensure success is to avoid common mistakes. Common don’ts when dealing with insurance include the following:
- Do not provide recorded statements: You are not legally obligated to give recorded statements to insurance adjusters. They can use these against you, so it is best to politely decline.
- Do not admit fault: Do not admit fault or provide detailed accident descriptions. These statements can have a negative impact on your claim.
- Do not sign medical record requests without review: Insurance companies may request access to your medical records. Always have an attorney review these requests to protect your privacy and rights.
- Do not settle too quickly: Insurance companies may offer quick settlements that are lower than what you deserve. Evaluate offers carefully and consult an attorney if unsure.
- Do not discuss the accident on social media: Refrain from posting about the accident or your injuries online. Insurers may use this information to undermine your claim.
Working through the aftermath of a car accident in Massachusetts requires careful attention to detail and an understanding of the state’s insurance laws. By following these dos and don’ts, you can protect your rights and help better ensure a fair resolution to your claim.
