Insurance Companies Are Not on Your Side
After an accident in Massachusetts, the at-fault party’s insurance company will likely contact you quickly. They may seem friendly and helpful, but their job is to minimize what they pay you. Understanding how insurance companies operate — and how to protect yourself — is one of the most important things you can do after an injury.
Never Give a Recorded Statement Without an Attorney
One of the most common mistakes injury victims make is giving a recorded statement to an insurance adjuster before consulting a lawyer. Adjusters are trained to ask questions designed to elicit admissions about fault or minimize the severity of your injuries. Anything you say in a recorded statement can be used against you. Politely decline to give a statement until you have spoken with a personal injury attorney.
Do Not Accept an Early Settlement Offer
Insurance companies often make early settlement offers before the full extent of your injuries is known. These offers are almost always significantly lower than the true value of your claim. Accepting a settlement releases all future claims, even if you later discover your injuries are more serious than initially believed. Our attorneys evaluate the full value of your case before recommending any settlement.
Massachusetts No-Fault Insurance and the Tort Threshold
Massachusetts is a no-fault state for auto accidents. Your own Personal Injury Protection (PIP) coverage pays your initial medical bills and lost wages regardless of fault. However, if your injuries meet the serious injury threshold — which includes suffering a fracture, permanent and serious disfigurement, loss of a body part, or medical expenses exceeding $2,000 — you can step outside the no-fault system and sue the at-fault driver for full damages including pain and suffering.
Uninsured and Underinsured Motorist Coverage
Massachusetts requires uninsured motorist (UM) coverage on all auto policies. If the at-fault driver lacks insurance or has insufficient coverage, your own UM policy can compensate you for damages. Our attorneys help you navigate the UM claims process and fight when your insurer tries to minimize your payout.
Call Larson Law Before Talking to Any Insurance Company
If you were injured in Massachusetts, call Larson Law at 508-888-8888 before speaking with any insurance adjuster. Our attorneys handle all insurance communications on your behalf. Free consultation — no fee unless we win.
Results Disclaimer: Past case results, settlements, and verdicts mentioned on this website do not guarantee or predict a similar outcome in any future case. Every case is unique and depends on its own facts and legal issues.