Car Accident Compensation & Financial Recovery in Massachusetts
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Frequently Asked Questions (FAQ)
What is Personal Injury Protection (PIP) insurance in Massachusetts?
PIP is a mandatory no-fault coverage in MA that pays for certain medical expenses (up to $2,000 or $8,000 total depending on health insurance), 75% of lost wages, and household services regardless of who caused the accident. You can also opt for MedPay for extra protection.
When can I file a personal injury lawsuit after a car accident in MA?
You can only sue if your medical expenses exceed $2,000 or you suffer serious injuries like permanent disfigurement, bone fractures, loss of a body part, or sensory loss. MA's modified comparative negligence rule allows recovery if you're less than 51% at fault, but your award is reduced accordingly.
What types of compensation can I recover in a MA car accident claim?
Potential damages include uncovered medical bills, lost income and future earning potential, pain and suffering, rehabilitation costs, property damage (e.g., vehicle repairs), and punitive damages for reckless behavior.
What is the statute of limitations for car accident lawsuits in Massachusetts?
You have three years from the accident date to file a personal injury lawsuit. If a government entity is involved (e.g., a city vehicle), stricter notice requirements may apply within months—don't delay.
What should I do right after a car accident in MA?
Check for injuries and call 911 if needed, move to safety, call the police for a report, document details (driver info, witnesses, photos), avoid admitting fault, notify your insurer, seek medical attention even if you feel okay, and consult a lawyer like Jason Ranallo.
How does comparative negligence affect my claim in Massachusetts?
Under modified comparative negligence, if you're found less than 51% at fault, you can still recover damages, but your award is reduced by your percentage of fault. If 51% or more at fault, you recover nothing.
What if the car accident involves a government vehicle or entity?
Claims against government entities have strict notice requirements, often within months of the crash, in addition to the three-year statute of limitations. Contact a lawyer immediately to avoid missing deadlines.
Do I need a lawyer for a car accident claim in MA?
While not required, an experienced attorney like Jason Ranallo can gather evidence, negotiate with insurers, ensure you meet no-fault thresholds, and maximize compensation—especially for complex claims involving serious injuries or disputes.
How much does it cost to hire Jason M. Ranallo, P.C.?
There are no upfront fees; we work on a contingency basis, meaning you pay nothing unless we win your case. Consultations are free and no-obligation.
What areas does Jason M. Ranallo, P.C. serve in Massachusetts?
We assist clients across the state, with proven results in towns like Dedham, Norwood, Canton, Braintree, Quincy, Brockton, Easton, Stoughton, Weymouth, and beyond.
Did You Know...
- Your policy covers initial medical (up to $2,000/$8,000) and 75% lost wages regardless of fault; optional MedPay adds protection.
- Sue only if expenses >$2,000 or serious injuries; modified comparative negligence applies (recover if <51% at fault).
- Recover uncovered medicals, lost earnings, pain/suffering, rehab, property damage, and punitive damages in reckless cases.
- 3 years to file; shorter notices for government entities—act quickly.
Being involved in a car accident is stressful and overwhelming. On top of injuries and emotional distress, you may face medical bills, lost income, and uncertainty about your financial future. At the Law Offices of Jason M. Ranallo, P.C., we help injured clients across Massachusetts understand their rights and recover the compensation they deserve.
This guide breaks down how car accident compensation works in Massachusetts, what damages you may be entitled to, and the steps you can take to protect your claim.
Massachusetts No-Fault (PIP) Insurance
- Up to $2,000 for medical expenses, after which your private health insurance becomes primary.
- Up to $8,000 total for combined medical expenses and lost wages if you don’t have qualifying health insurance.
- Optional MedPay coverage for additional protection.
PIP also reimburses 75% of lost wages and may cover certain household services if your injuries keep you from working or managing daily activities.
Learn more about how a Massachusetts car accident lawyer can help.
When You Can File a Lawsuit
Because of the no-fault system, you can only pursue a personal injury lawsuit if:
- Your medical expenses exceed $2,000, or
- You suffer serious injuries, such as permanent disfigurement, fractured bones, loss of a body part, or loss of one of your senses.
Massachusetts follows a modified comparative negligence rule, meaning you can recover damages if you’re less than 51% at fault, but your award is reduced by your percentage of fault.
If these conditions are met, you can seek compensation directly from the at-fault driver or other liable parties, such as bars or restaurants that over served an intoxicated driver (under dram shop laws).
Types of Compensation Available
With an experienced attorney, you may recover compensation for:
- Medical expenses not covered by PIP or health insurance
- Lost income and reduced earning potential
- Pain and suffering and emotional distress
- Rehabilitation and long-term care costs
- Property damage (vehicle repair or replacement)
- Punitive damages in cases of reckless or grossly negligent conduct
Our goal at Jason M. Ranallo, P.C. is to make sure every available avenue for recovery is explored and pursued on your behalf.
Statute of Limitations in Massachusetts
You generally have three years from the date of the accident to file a personal injury lawsuit in Massachusetts.
If a government entity is involved (for example, a city-owned vehicle), there are strict notice requirements that may apply within months of the crash.
Delays can hurt your case. Reach out to our office promptly to protect your rights.
What To Do Immediately After a Crash
The moments after a car accident can have a big impact on your health and your claim. Here’s what to do:
Step 1: Check for Injuries
Assess yourself and others for injuries. If anyone is hurt,
call 911 immediately.
Step 2: Get to Safety
If your vehicle is operational, pull over to a safe area. If not, leave it and move yourself and passengers to safety.
Step 3: Call the Police
Always contact law enforcement—even for minor accidents. A
police report is crucial for insurance and legal purposes.
Step 4: Document the Accident
Gather information from all drivers, including:
- Names, addresses, phone numbers
- Insurance details, license plate numbers, and driver’s license numbers
Also:
- Collect contact info from witnesses
- Take
photos of the scene, vehicle damage, and injuries
Step 5: Don’t Admit Fault
Avoid apologizing or admitting blame. Fault may not be clear, and statements you make can be used against you later.
Step 6: Notify Your Insurance Company
Report the accident promptly and provide them with the details you collected.
Step 7: Get Medical Attention
Even if you feel fine, some injuries appear hours or days later. See a doctor right away and ensure everything is documented.
Step 8: Consult a Lawyer
An experienced attorney like Jason Ranallo can handle evidence gathering, negotiate with insurance companies, and fight for the compensation you deserve—allowing you to focus on your recovery.
Why Choose Jason M. Ranallo, P.C.?
- Over 20 years of experience helping Massachusetts car accident victims.
- Proven results in personal injury claims across Dedham, Norwood, Canton, Braintree, Quincy, Brockton, Easton, Stoughton, Weymouth, and beyond.
- Personalized attention from start to finish—we treat every client like family.
- No fees unless we win.
Get Your Free Case Evaluation
If you’ve been injured in a car accident, don’t face the insurance companies alone. Contact
The Law Offices of Jason M. Ranallo, P.C. today or call 781-344-6200 for a free, no-obligation consultation. We’ll help you understand your rights and fight for the full financial recovery you deserve.