Articles Posted in Car Accidents

With nearly everyone having a smart phone, distracted driving has become an epidemic. According to the National Highway Traffic Safety Administration, distracted driving claimed over 3,000 lives and injured almost 400,000 people in 2015. At Marcotte Law Firm, we see the effects of that firsthand. Many of our clients are injured due to the distracted driving of others. Looking down at a cell phone was more important than looking at the road.

What many do not realize is that distracted driving is more than just texting. Drivers can be distracted by a radio, food, or even by other passengers. These activities can be just as dangerous to yourself or others on the road.

This is why it’s important to be vigilant in keeping distractions to a minimum when you’re behind the wheel. Before you start the car, put your cell phone away, make sure you’ve already finished your lunch, and set up some pre-sets on your radio. While it might take a few extra seconds, it could end up saving you from being part of a statistic.

A trip in an ambulance can cost more than $1,500.00. If you’re injured in a car accident, these medical costs can add up. Luckily in Massachusetts, almost everyone has coverage to cover some of these expenses. This is called Personal Injury Protection benefits, or PIP for short.

With this coverage, the insurance company of the car that you were in will pay the first $2,000.00 or $8,000.00 of your medical expenses. How the bills are processed depends on whether you have health insurance, and what type you have. However, when you combine your car insurance and health insurance, getting your medical bills paid properly can get very tricky.

Often, hospitals and doctors are either unable or unwilling to navigate this insurance maze. So, we spend much of our time making sure that our clients’ medical bills are all paid before settlement. It’s this attention to detail that is important to make sure that an unpaid hospital bill doesn’t get sent to collections.

A recent article discussed how almost 80% of workers in the United States live paycheck to paycheck. This means that things can get tough if you’re in injured in a car accident and can’t work. Luckily, most are eligible for lost wage benefits from their car insurance that can get paid in as little as a few weeks.

When you can’t work because of a car accident, your insurance will pay 75% of your lost wages under Personal Injury Protection benefits. While the most an insurance company will pay is $8,000.00, it’s at least enough to keep you on your feet while you’re dealing with an injury.

One thing to keep in mind is that most insurance companies will require a note from your doctor saying that you can’t work. So, it’s important to discuss any limitations you have with your doctor that will keep you from working.

Contact Information