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Auto Accidents and Coverage

Massachusetts auto insurance law is at least as difficult as “the uninitiated driver’s first foray into the city of Boston.” 
These are the words of the Supreme Judicial Court, the highest court in Massachusetts and were written nearly twenty-five years ago.  Any plaintiff/victim should make sure that his/her attorney is familiar with those laws.

Less than thorough attorneys can miss some insurance coverage.  Take the idea of “excess bodily injury.”  If you are the victim of an auto accident caused by a driver not using his/her own car, you may well have access to two policies:  the owner’s and the driver’s own auto policy.  This is a form of stacking, which, has not been outlawed by the Massachusetts Auto Insurance Reform Act of 1988.  Not all Massachusetts Lawyers realize this.

When you are a consumer of services you would hope that you have entrusted yourself to a fully informed expert.  Law and lawyers are no different.  Have your lawyer ascertain all applicable coverages but, in the first instance, satisfy yourself that your lawyer will know where to look.

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