BROKEN BONE INJURY LAWYER
A broken bone
changes daily life.
A broken bone is one of the most serious injuries a crash or a fall can cause, and Massachusetts law lets you recover for the surgery, lost time, and the lasting effects it leaves.
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What a broken bone claim can recover
A broken bone is rarely the clean, quick injury people imagine. A serious fracture can mean emergency surgery, plates and screws, weeks in a cast or a boot, months of physical therapy, and a joint or a limb that never works quite the same again. Unlike a strain that fades, a fracture reorganizes daily life the moment it happens, taking away the ability to drive, to work, to lift a child, or to sleep through the night, and its effects can outlast the cast by years.
Because a broken bone shows plainly on an X-ray, the injury itself is rarely in dispute, which changes what the fight is about. Instead of arguing whether you were hurt, the insurer argues about what the injury is worth, downplaying the surgery, the recovery, the permanent hardware, and the lasting limits, and pushing an early number before the full course of healing is known. Answering that takes a complete picture of the injury and its future, and our Boston personal injury attorney team builds it from the start.
This page explains what a broken bone injury claim involves, how Massachusetts law treats a fracture, what the lasting effects can be, and how a claim is valued so it accounts for the whole recovery rather than the first hospital bill. It is written to inform, and the worth of any real claim depends on the fracture and its consequences. If a careless driver or an unsafe property left you with a broken bone, a free review can tell you where you stand at no cost and with no obligation. There is a particular frustration in these cases that is worth naming. The injury is obvious, the surgery is real, the recovery is long, and yet the argument still comes down to money, because the one thing the insurer cannot deny is the break, so it works instead to make the break look small. It leans on the clean final X-ray, the discharge note that says the bone healed, and the hope that a person eager to move on will accept a number before the aches, the stiffness, and the limits of the following year have made themselves known. Seeing the whole arc of a fracture, not just its best-looking moment, is the difference between a fair recovery and a convenient one.
What our clients say
A serious fracture deserves a full case.
- We build the claim around the whole injury, the surgery, the recovery, and the limits that outlast the cast.
- We refuse the early offer that lands before the true course of a fracture and its healing is known.
- We document the hardware, the therapy, the missed work, and the daily tasks a broken bone takes away.
- We bring in the treating surgeons and specialists who can explain a permanent limit or a joint that will not fully heal.
- We handle the adjusters and their lowball math so you can focus on getting back on your feet.
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How Massachusetts law treats a fracture
A fracture and the tort threshold
In a motor-vehicle case, recovering for pain and suffering normally requires clearing the tort threshold in MGL c.231 §6D, and a broken bone is one of the specific injuries the statute lists as meeting it automatically. In practice that means a fracture clears the bar that a disputed soft-tissue injury has to fight for, so the case moves straight to the real question of what the injury and its consequences are worth. It is one of the few places where the seriousness of the harm is written into the law itself.
Coverage, fault, and the deadline
After a crash, personal injury protection under MGL c.90 §34M begins paying the medical bills regardless of fault, though it is quickly exhausted by surgery and rehabilitation, so the larger cost is pursued against the at-fault party. Massachusetts applies modified comparative negligence under MGL c.231 §85, reducing a recovery by any share of fault and barring it only past half, and most claims must be filed within three years under MGL c.260 §2A.
Why the value is in the future
The mistake that costs people the most in a fracture case is settling before the injury has finished revealing itself. A bone can heal in the wrong position, fail to knit, damage a nearby nerve, or leave a joint stiff and arthritic for life, and none of that is clear in the first weeks. A claim valued too early is valued on the best-case version of the injury, which is exactly the version an insurer is happy to pay for, so letting the medical picture develop before the case is settled is often what protects its real worth. It is also worth understanding how these cases are actually paid. The at-fault driver’s liability coverage is the main source, but a serious fracture with surgery can outrun a modest policy, which is when underinsured-motorist coverage and any other responsible parties matter. Identifying every layer of coverage early, before the claim is anywhere near settlement, is part of making sure the recovery can actually meet the cost of the injury rather than stopping at whatever the first policy happens to hold.
Where broken bones happen most
The crashes that break bones
The forces in a serious collision are far greater than a body is built to absorb, so fractures are among the most common injuries on the road. The wrists, ribs, and legs broken in the crashes behind our Boston car accident lawyer and Boston truck accident lawyer work are routine rather than rare, and a Boston motorcycle accident lawyer sees the worst of them, because a rider thrown from a bike has nothing between their bones and the pavement.
Riders, walkers, and falls
The most exposed people break bones in the ordinary moments that turn dangerous. A Boston bicycle accident lawyer and a Boston pedestrian accident lawyer represent riders and walkers whose arms, hips, and legs give way when a vehicle strikes them, and a Boston slip and fall lawyer sees the wrist and hip fractures that a fall on ice, stairs, or an unsafe floor so often causes, especially for older adults.
Why these cases are about the future
Across all of them the injury on the X-ray is only the beginning of the story. A fracture that photographs the same in two people can heal cleanly for one and leave the other with a permanent limp, chronic pain, or hardware that aches in the cold for the rest of their life. That is why a broken bone claim is not measured by the break alone but by everything that follows it, the surgeries, the therapy, the lost work, and the limits that never fully lift. What ties these settings together is that the break is rarely the end of the harm; it is the start of a long detour. A broken leg is not just weeks in a cast but months of learning to trust the limb again, a shoulder or wrist fracture can quietly end a trade that depends on that joint, and an older adult’s broken hip can mark the moment their independence changes for good. A claim that stops at the fracture misses the part of the injury that reshapes a life, which is exactly the part that deserves to be counted.
The lasting effects of a fracture
A broken bone is a single event with a long tail, and a full claim breaks that tail into the specific harms that follow the fracture. There is the acute phase, the surgery, the plates, screws, or rods, the cast or boot, and the weeks of limited movement while the bone begins to knit. Then there are the lasting effects, which are often what define the injury: a bone that heals out of alignment or fails to join, a nearby nerve left damaged, a joint that turns stiff and arthritic, and the chronic pain and reduced strength that can follow a serious break for years.
Some fractures leave permanent hardware, a visible difference in a limb, or a lasting limit on lifting, standing, or walking. The categories below are a starting point rather than a limit, and a single serious fracture often reaches several of them at once, which is why they are documented and valued together, over the full arc of recovery, rather than judged by how the break looks on the first day. The through-line in all of it is time. A fracture reveals its true size slowly, over the surgeries that follow, the therapy that either restores the joint or does not, and the season or two it takes to learn what the limb will and will not do again. That is why a broken bone claim should be built with the calendar in mind, patient enough to let the injury finish speaking, so the number at the end reflects the recovery a person actually had rather than the one everyone hoped for on the day of the cast.
None of this is about dragging a case out. It is about not letting a person be rushed into trading away the hardest months of a recovery for the comfort of an early check, and making sure that when the claim is finally valued, it is valued on the fracture a person actually lived with, hardware, therapy, setbacks and all, rather than the tidy version an insurer prefers to imagine. A broken bone earns its place among the most serious injuries not for the break itself but for everything the break sets in motion, and a claim built with care keeps every piece of that in view.
Surgery and Hardware
Nonunion and Malunion
Nerve and Joint Damage
Permanent Limitation
How a broken bone claim is built.
Get the entire injury on the record
See a doctor and get every fracture, surgery, and follow-up into the medical record, because a broken bone claim is valued from that record, and what is left out of it is left out of the recovery too.
Follow your entire recovery through
Finish the casts, the therapy, and the follow-up your doctors order, because even a gap in care lets an insurer argue the bone healed fine, and the lasting effects only show once the recovery has run.
Let a lawyer value the whole future
Before you take any early offer, let a lawyer value the future, because a fracture can leave permanent hardware, arthritis, or a lasting limit that a first-week number never accounts for or ever pays.
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Talk to a broken bone injury lawyer today.
A broken bone can upend your work, your routine, and your independence in a single moment, and you should not have to fight over what that is worth while you are still healing. Tell us what happened, and we will document the full injury, from the surgery and hardware to the lasting limits, answer the insurer’s early lowball, and pursue the complete value of your claim. There is no charge to talk, no pressure, and no fee unless we win. The sooner we start, the more of the recovery your claim can capture.
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Our Clients.
Our Practice Areas.
Broken bones send people to the emergency room across Boston and communities throughout Massachusetts every day, from crashes to falls of every kind. If you are unsure what a fracture claim is worth or whether you have one, we can walk you through it in plain terms at no cost and with no obligation.
Personal injury law in Boston answered directly.
Do I have a personal injury claim?
You may, if someone else’s carelessness caused your injury. The key questions are whether another person or company was negligent, whether that negligence caused your injury, and how serious the harm is. Many people are unsure whether their situation rises to a claim, especially when an insurer downplays it. A free review with an attorney is the best way to find out, because we can look at the facts, the evidence, and the insurance and tell you honestly whether you have a case and what it may be worth, at no cost to you.
What kinds of cases do you handle?
We handle the full range of serious injury and wrongful death cases, including car, truck, motorcycle, bus, rideshare, bicycle, and pedestrian crashes, slip and fall and other premises injuries, dog bites and animal attacks, injuries from dangerous or defective products, and fatal accidents. What these cases share is that someone was hurt by conduct that should not have happened. If you are not sure whether your situation fits, the simplest thing is to ask; the review is free, and we will tell you honestly whether we can help.
How much is my claim worth?
It depends on the severity of the injuries and their lasting effects. Value can reflect past and future medical care, lost wages and reduced earning capacity, pain and suffering, and the long-term impact of a serious or permanent injury, along with property damage in a crash. Every case is different, and the future care is often the largest part of a serious claim. Be cautious of anyone who promises a number up front; a careful attorney evaluates the claim only after reviewing how the injury happened and the full medical picture.
What if the insurer says I was partly at fault?
You can still recover as long as you were not more than half to blame. Under comparative negligence, MGL Chapter 231 Section 85, your compensation is reduced by your share of fault but not eliminated unless that share passes fifty percent. Insurers often exaggerate the injured person’s role to cut what they pay, sometimes based on little evidence. An attorney can present the full picture of how the injury happened and protect your recovery from an unfair or inflated fault argument.
Should I talk to the insurance company?
It is best to be cautious. The other side’s insurer, and sometimes even your own, may contact you quickly and sound friendly, but their goal is to limit what they pay, and an early recorded statement can be used against you while you are still hurting. You are not required to give one. An attorney can deal with the insurers for you, so you do not say something that is later taken out of context, and so the focus stays on the other side’s fault and your recovery rather than on the insurer’s bottom line.
How long do I have to file a claim?
Most injury claims must be filed within three years under MGL Chapter 260 Section 2A, and for an injured child the deadline is paused under MGL Chapter 260 Section 7. Claims involving a city or other public entity can carry much shorter notice deadlines. Because evidence fades and cameras record over their footage within days, it is best to act soon so the proof can be preserved well before any deadline approaches.
What if I cannot afford a lawyer?
You can. Larson Law handles injury claims on a contingency fee, which means there is no charge unless we recover money for you, and the first review is always free. We advance the costs of investigating the claim and working with any experts the case needs. You do not pay out of pocket while you recover, and we are only paid from a successful result. That arrangement exists so that anyone, regardless of their finances, can afford strong legal help after a serious injury.
Do I really need an attorney for my claim?
For a minor injury you may not, but for any serious injury an attorney usually makes a real difference. Insurers settle for less when no lawyer is involved, and the rules around fault, deadlines, and coverage are easy to get wrong on your own. An attorney levels the field, handles the insurers, proves the claim, and pursues the full value while you focus on recovering. Because the first review is free and we work on a contingency fee, there is no cost to find out whether you need one and what your claim may be worth.
How long will my case take?
It depends on the case. Some claims resolve in a matter of months through negotiation, while others, especially serious injuries that are still healing or cases an insurer refuses to value fairly, take longer and may require filing suit. It is usually wise not to settle until the full extent of your injuries is known, since you generally cannot reopen a claim later. An attorney can give you a realistic timeline for your situation and work to move the case as efficiently as possible without leaving money on the table.
What if a loved one died from an injury?
If an injury proved fatal, close family may bring a wrongful death claim under MGL Chapter 229. Such a claim can seek compensation for the loss of the person’s income, services, companionship, and guidance, along with funeral and related expenses. These cases are painful and the legal steps are complex, and an attorney can handle the investigation and the filings so the family can focus on each other, never paying anything up front and owing a fee only if there is a recovery.
How much does a personal injury attorney cost?
Nothing upfront. Larson Law handles personal injury claims on a contingency fee, so there is no charge unless we recover money for you, and the first review is always free. We advance the costs of investigating the claim, obtaining the records, and working with experts. We are only paid from a successful result, which lets an injured person take on the insurers without paying out of pocket while they recover, so cost is never a reason to wait to find out what your claim may be worth.
What should I do after an accident?
Get medical care right away, even if you feel okay, since some injuries appear hours or days later, and keep every record. Write down how it happened, photograph the scene, the cause, and your injuries, and get the names of any witnesses while it is fresh. Report the accident as appropriate. Avoid giving the insurer a recorded statement or signing anything before you have spoken with an attorney, who can preserve the evidence and protect both your health and your claim from the start.
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.