Following a car accident, there are few things related to the accident to look forward to – bills will start piling up, medical care will be necessary, and, more likely than not, you’ll run into a disagreement about fault, damages, or something else related to your settlement. The good news, however, is that if you and the other driver both maintain car insurance, there’s a good chance that you’ll be able to recover compensation for the full extent of your losses. Here’s a look into types of insurance coverage that are commonly available in a Worcester car accident–
Personal Injury Protection Coverage
If you carry car insurance in Massachusetts, then you carry Personal Injury Protection (PIP) coverage. This type of coverage is required in the state in an amount of no less than $8,000 per person, per accident. If you’re involved in a crash, you will file a claim against your policy’s PIP coverage no matter who caused the accident. This coverage type will pay for injuries you suffer in a crash.
Bodily Injury Liability Coverage
If the driver of the other vehicle involved in the accident is a) insured and b) found to be at fault for the crash, and your injuries meet the serious injury threshold, then bodily injury liability coverage will be available. This type of coverage pays for injuries that the policyholder causes to others in a crash. Minimum coverage limits in Massachusetts are $20,000 per person and $40,000 per accident.
Property Damage Liability Coverage
Just like bodily injury liability coverage pays for injuries that a driver causes to others, property damage liability coverage pays for property losses that a policyholder causes to others. The minimum coverage limit in Massachusetts is $5,000 per accident.
Uninsured/Underinsured Motorist Coverage
Finally, one of the most important coverage types following a car accident is that of uninsured/underinsured motorist coverage, which is also required in our state in an amount of no less than $20,000 per person and $40,000 per accident. In the event that another driver hits you and causes you serious injuries and that driver is uninsured, your uninsured/underinsured coverage will be available.
Other Types of Insurance Available in a Worcester Car Accident
The above types of insurance are the most common sources of compensation after a crash. However, other types of insurance coverage available might include:
- Your personal health insurance coverage;
- Collision coverage; and
- Comprehensive coverage.
Learn More About Available Sources of Recovery After a Worcester Car Accident
Identifying the potential sources of recovery after a car accident is just one step in the process of recovering the compensation award you deserve. Our Worcester car accident lawyers at the offices of Tetzel Law, LLC can help you to build your claim, prove fault, calculate your damages, and negotiate your settlement. To learn more about our services and how to get started, please call our law office today at 617-933-3858 directly or send us a message requesting a free consultation.