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Boston Car Insurance Claim Lawyer

If you’ve been in a car accident, chances are you probably are in the midst of navigating a sea of paperwork and phone calls. You may be filing claims with your insurance company, filing police reports, visiting doctors, and handling an array of other tasks that emerge after an accident.

If you’ve sustained serious injuries or damage to your vehicle, your insurance may not be enough to cover compensation. In this case, it is crucial to consider legal representation.

Contacting an insurance claims lawyer is a vital step in exploring your options for recovering substantial expenses. Our team of Boston auto accident attorneys specializes in this area, offering expert guidance and support.

Do You Need a Boston Car Insurance Claim Lawyer?

After a car accident, you may be left reeling as you take in the reality of what has occurred due to the negligence of another party. Not only are you dealing with the inconvenience of car repairs or replacement, pain from injuries, and lost wages from missing work, but you may also have bills adding up from all of these difficulties you’ve faced.

Insurance companies are supposed to provide compensation to help with situations like these when you need it most. However, that is not always the case when it comes to filing a Boston car accident claim. 

Unfortunately, that money has to come out of their profits—and car insurance companies are very much motivated by profit. That means the auto insurance adjuster will often go to great lengths to deny, delay, or minimize the value of your payout. Often, they have the resources to succeed.

An experienced personal injury lawyer is crucial in protecting clients from bad faith insurance practices, ensuring that your rights are defended against unfair settlement tactics and seeking rightful compensation. You need a car insurance claims lawyer to even the playing field.

When you choose Sweeney Merrigan Law, you’ll have over 100 years of combined legal experience in dealing with these insurance claims in Boston.

Our car insurance claims lawyers will help you in the following ways throughout each step of your Boston car accident case:

  • Investigate to identify all responsible parties

  • Stand up for your rights when the insurance company tries to blame you for getting hurt

  • Handle the paperwork and administrative aspects of your car accident case

  • Hire experts and specialists who can convince the insurance company of the value of your injury claim

  • Negotiate and advocate on your behalf so that you get every dollar you deserve

If you’re hurt and wondering where to turn for help in maximizing your car accident settlement offer, look no further. Our Massachusetts auto accident lawyers are standing by to take your call. We will review the details of your case and help you decipher what your legal options are as we advocate for your rights and interests throughout the entirety of the claims process.

Were You or a Loved One Injured In a Car Accident?
Our experienced attorneys will fight to get the full amount you deserve. We’ll listen to your story and explain your options for moving forward.

Car Insurance Coverage Requirements In Massachusetts

When filing your car accident claim in Boston, Massachusetts, one important factor is the car insurance coverage you have on your policy. There are requirements for the minimum amount of car insurance coverage all drivers in Massachusetts must carry. In severe auto accidents in Massachusetts, PIP coverage may not adequately cover medical bills and other losses sustained in your accident.

The following are the minimum values assigned to PIP coverage:

  • $20,000 for injury per person

  • $40,000 total liability bodily injury coverage per accident you cause

  • $5,000 for property damage

  • $8,000 in no-fault PIP coverage

  • $20,000 per person / $40,000 total per accident for uninsured motorists

If you were significantly injured in a Massachusetts car accident and your injuries are over $8,000, you may benefit from pursuing compensation in a claim for harm caused by negligence.

At Sweeney Merrigan Law, we fight for the maximum compensation you deserve for present and future expenses so you may obtain a full recovery. You should not be held financially responsible for the negligent actions of someone else who caused your accident.

How Will A Car Accident Impact Your Auto Insurance?

Motor vehicle accidents can occur unexpectedly, impacting your auto insurance and leaving you in need of expert legal advice to navigate the complexities of personal injury cases and insurance claims. Being involved in a motor vehicle accident can leave victims feeling confused as they assess the damages they have suffered due to another person acting carelessly.

After the accident, you may be concerned about how this incident could affect your car insurance. Depending on the type of accident you were involved in and how much liability you hold for the crash, you may see different impacts on your auto insurance.

Chargeable Accidents

If you were involved in a chargeable accident, you will generally see an increase in your auto insurance rate. Chargeable accidents usually mean that you were found to be more than fifty percent liable for the crash which resulted in:

Chargeable accidents can also be defined based on the dollar amount in damages. For example, if the other party suffered more than $500 in bodily harm, this may be considered a chargeable accident.

Non-Chargeable Accidents

Not all accidents will cause an increase in your insurance rate. An example of automobile accidents that are not considered to be chargeable are:

  • Your vehicle was legally parked when it was damaged

  • Your car was rear-ended by another vehicle and you were not convicted of a moving traffic violation in relation to the accident

  • You were struck in a hit-and-run accident

  • The other party involved was convicted of a moving traffic violation associated with the accident, but you were not convicted of a moving traffic violation

  • The accident occurred as a result of a collision with an animal

  • The damage to your car was caused by falling objects or flying gravel or missile-like objects

  • The car crash occurred when you were responding to an emergency and you are a volunteer or paid member of the fire department, first aid squad, or law enforcement agency

  • You were reimbursed by the driver or party that caused the damage

  • Your car insurance company was able to recover 80% or more of your collision insurance claim through subrogation, which means they were able to collect compensation from the other party’s car insurance provider

  • There is a court judgment for the accident against the party that caused the damage

  • Accidents where claim payments are made under the personal injury protection coverage and no payments are made under liability or collision insurance

To learn more about how a car accident may affect your insurance, contact one of our lawyers today. Our legal team can review your case and help you understand more about your rights and what may happen in relation to your insurance depending on the specific aspects surrounding the car accident that left you injured.

Who Is Responsible For Paying Damages After A Car Wreck In Boston?

After a Boston car accident, one of the most important initial steps victims should take is to determine who is responsible, or liable, for the damages victims have suffered as a result of the crash. Understanding personal injury cases and the importance of legal representation in pursuing compensation for injuries sustained is crucial for victims of negligence.

Massachusetts is a no-fault insurance state, but you may still need to pursue additional compensation through a court claim. Proving liability and damages in court can be complex, and having legal representation is crucial.

If negotiations with the insurance company fail, your attorney can present your case in court to seek the full compensation you deserve. Understanding how to effectively present your case in court is essential for achieving a favorable outcome.

However, you are entitled to take legal actions against the at-fault driver for compensation if either of the following is true for your case:

  • Sustained a permanent or serious injury

  • Had at least $2,000 in reasonable medical expenses

If you satisfy either of these requirements, you can pursue a lawsuit against anyone who played a role in your car crash. That might include:

  • The at-fault driver

  • Truck drivers

  • Pedestrians

  • Bicyclists

  • Employers of a negligent driver

  • The city authorities responsible for road repairs or maintenance

  • A company that manufactured a defective product

Our team will put in the work needed to identify every responsible party. That greatly increases the odds of recovering the maximum recoverable compensation for your damages. To begin the process of filing your claim, contact one of our Boston car insurance claims lawyers as soon as possible.

Were You or a Loved One Injured In a Car Accident?
Our experienced attorneys will fight to get the full amount you deserve. We’ll listen to your story and explain your options for moving forward.

Frequently Asked Questions About Car Insurance Claims and Your Insurance Company

Can You Make a Claim if the At-Fault Driver Left the Scene?

If the at-fault driver left the scene and you are unable to identify the driver, you can make a claim with your own automobile insurance for uninsured motorist benefits. These benefits provide compensation in situations where you are unable to identify the at-fault party, or where the at-fault party does not have automobile insurance. You will, however, need to provide evidence to show that another vehicle was at fault for the crash.

What Should You Do if a Defective Part in Your Car Caused the Accident?

When dealing with any defective product in a legal case, the most important first step is preserving the product so that it can be inspected. Too often we come across cases we believe would be strong cases to pursue, but the product is nowhere to be found; it was thrown out in the mechanic’s garage, misplaced when someone needs medical care, or trashed because that’s our first response when things go wrong.

The problem is, without this product, the manufacturers can make all sorts of defenses blaming everything but the widget that serves as a backbone to their business’ bottom line.

Can You Recover Compensation If You Were a Passenger In a Car Crash?

Yes. Passengers may still recover compensation through the at-fault driver’s automobile insurance.

Who Will Pay for Your Medical Bills Following the Accident?

Massachusetts is a no-fault state, meaning that your own automobile insurance will pay up to the first $8,000 in medical bills regardless of fault. This coverage is called Personal Injury Protection (PIP) coverage, and is part of every Massachusetts automobile policy for motor vehicles. Once your PIP coverage is exhausted, your medical bills will be resubmitted to your health insurance for payment.

However, if you were injured while operating or riding a motorcycle, your automobile insurance will not have PIP coverage. Depending on your motorcycle insurance policy, you may have MedPay benefits. This is another form of no-fault coverage which will pay medical bills arising from your crash.

What Is the Difference Between Uninsured and Underinsured Motor Insurance?

If you are considering getting underinsured insurance, uninsured insurance, or both, it is crucial that you understand what each covers and how that coverage could be beneficial to you. Uninsured motorist insurance protects you if you are involved in an accident with a negligent driver who doesn’t carry liability insurance.

Underinsured motorist coverage is a type of motor insurance that steps in when the at-fault driver has liability coverage limits that are too low to cover the costs of the losses you have suffered as a result of their negligence. Generally, the at-fault party will cover the cost of your damages up to the limit of their policy and the underinsured motorist coverage will come in to cover the rest of any other costs like medical bills.

Will my insurance go up if someone hits me in Boston, MA?

In Boston, whether your insurance rates increase after being hit by someone else depends on various considerations such as fault determination, your insurance policy, and your claims history. If you’re not at fault and the other driver’s insurance covers the damages, your rates may not increase. However, it’s essential to report the incident to your insurance company for proper documentation and guidance on the next steps.

How long does a car accident stay on your insurance record in Boston, MA?

Car accidents typically stay on your insurance record for three to five years, depending on the severity of the accident and your insurance provider’s policies. During this time, the accident may affect your insurance premiums, as insurers often consider your claims history when calculating rates.

It’s essential to maintain safe driving practices and consult with your insurance provider to understand how long a specific accident may impact your insurance record. 


If you have been in an accident and are struggling to recover your expenses through an insurance claim, consulting with a car insurance claims lawyer can be a crucial step. Our firm specializes in providing comprehensive assistance to individuals involved in car accidents and other serious incidents. We help our clients navigate insurance claims, investigate the situation thoroughly, and build a strong case against the insurer to seek fair compensation.

Contact Sweeney Merrigan Law at (617) 391-9001 to explore the possibility of a personal injury lawsuit.

Based out of Boston, MA, we serve clients throughout the state of Massachusetts. The Boston personal injury attorneys at Sweeney Merrigan Law are exceptionally experienced in several branches of personal injury law, including car accidents. We represent each client aggressively and have a long history of achieving excellent results.

Award-Winning Legal Team

Attorneys at Sweeney Merrigan Law, LLP have been recognized and honored by several of the top legal associations, including SuperLawyers, National Trial Lawyers Association, and Best Lawyers.

Over $500 Million Recovered

Sweeney Merrigan Law, LLP is a highly successful personal injury law firm serving Massachusetts since 2011.

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There are no fees or costs unless we win your case!

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