In regard to passenger vehicle accidents, Massachusetts is a no-fault state. That means no matter who caused a collision, a person’s own automobile insurance company is supposed to pay for medical bills, lost wages, and property damages. It would seem that this would be a straightforward process, but sometimes an insurer disputes the amount or the validity of the claim. A Car Accident Lawyer in Medford MA helps clients dealing with this kind of situation.
Pre-Existing Conditions
An automotive insurance company may be willing to pay for repairs to the vehicle and for any immediate medical bills. However, if the policyholder experiences ongoing health problems after an accident, the insurer may investigate the person’s medical history. A history of treatment for back pain may lead the insurance company adjusters to be skeptical that the more recent episodes of back pain are related to the accident.
This doesn’t mean the claim for related medical expenses will be denied outright. A Car Accident Lawyer in Medford MA can help gather the necessary documentation to show why payment for current and ongoing treatment is justified. This will include medical records and statements from the treating physicians. In addition, it’s entirely possible for a back pain condition to be worsened by a car accident. In that case, automotive insurance should pay for the more recent problems.
Limitations of the Policy
It’s important to understand that the insurer is only required to pay the maximum amount on the policy, which is an amount that was decided by the customer. Some policyholders choose very high maximums while others decide on the minimum to keep the premiums low. An insurance company is not obligated to pay more than this no matter how expensive the medical bills are.
Someone who is trying to negotiate with the insurance company while also recovering from injuries may feel overwhelmed and frustrated. An organization like the Law Offices of Burton J. Hass can help when it feels like the insurer will never be cooperative. Injury attorneys know how to streamline the process and obtain the compensation the policyholder deserves. Visit the website to learn about this particular lawyer. You can also visit them on Facebook.
