Massachusetts Personal Injury Protection Law – Is There a Time Bomb in Your Auto Inurance Coverage? - I simply discovered the time bomb in my coverage, and I’m hopeful that this warning will encourage you to examine your personal coverage to see should you’re in the identical boat earlier than one thing dangerous occurs. Massachusetts enacted no-fault private harm legislation a number of years in the past – all drivers should carry private harm safety for themselves and relations, and this protection is billed first in any accident, no matter who’s at fault. I used to be not conscious of this after I obtained my present coverage from Progressive again in 2008, and I took their beneficial protection, which included an $eight,000 deductible within the PIP part. For simply $22.00 per yr in further premium, I might have had a $100 deductible, however that was by no means defined to me. Progressive doesn’t supply PIP protection with no deductible.
Quick-forward to this previous Labor Day weekend. After spending the day Sunday in Connecticut seeing my household and celebrating a number of birthdays, an anniversary, and Labor Day, my daughter, her boyfriend and I headed house. Most accidents happen inside 5 miles of house, proper? After a 160 mile spherical journey, I used to be heading south on Rt 140 in Milford about 1/four mile from my home, after I signaled to show left onto Reagan Highway to get into my neighborhood. A number of vehicles have been heading north, so I finished to attend – the man behind me additionally stopped, however the man behind him? FAIL! Screeching tires, the sound of a crash, then one other crash and influence.
He had slammed into the automobile behind me, which propelled that automobile into my truck. Site visitors cleared on the northbound aspect, so I accomplished my flip and parked the truck on the roadside. The driving force of the automobile behind me pulled over to the aspect of the southbound lane on Rt 140. The driving force who precipitated the accident determined to not stick round and settle for duty – he fled the scene, working the following two crimson lights to get away. The automobile that was behind him gave chase, making an attempt to get his plate quantity, however they didn’t wish to run any lights in order that they got here again to the scene to see if we have been okay. By that point, I had known as the Milford PD – the motive force of the second automobile had gotten the plate variety of the hit-and-run driver, and the police tracked him down later that night time.
My truck was drivable, the bumper is twisted and smashed in, however nothing worse. After every part was squared away, I observed a little bit of ache in my decrease again, and I made a decision to go to the ER and get checked. The ER physician stated I seemingly had a muscle pressure, he suggested me to take it simple for just a few days and provided me a prescription for a muscle relaxer, which I turned down, choosing Ibuprofen for ache administration.
Now to the time bomb – I received a name from the medical claims adjuster at Progressive on Tuesday, explaining that Massachusetts had no-fault private harm legislation, and that I used to be on the hook for the ER invoice, as much as my $eight,000 deductible! I’ve the choice of billing my common medical insurance coverage, however I’ve deductibles and co-pays there, so I do not know what I’ll find yourself owing for this. My different possibility is to sue the motive force who precipitated this complete mess – he’s 24 years previous, lives at his guardian’s home, and that is his second hit-and-run, one thing tells me these pockets aren’t very deep.
The lengthy and in need of this: examine your auto insurance coverage coverage, and cut back your PIP deductible to the bottom potential quantity. In any other case, you would end up in my state of affairs, incurring big payments resulting from another person’s negligence. I discovered the onerous method – you don’t should do the identical!
Quick-forward to this previous Labor Day weekend. After spending the day Sunday in Connecticut seeing my household and celebrating a number of birthdays, an anniversary, and Labor Day, my daughter, her boyfriend and I headed house. Most accidents happen inside 5 miles of house, proper? After a 160 mile spherical journey, I used to be heading south on Rt 140 in Milford about 1/four mile from my home, after I signaled to show left onto Reagan Highway to get into my neighborhood. A number of vehicles have been heading north, so I finished to attend – the man behind me additionally stopped, however the man behind him? FAIL! Screeching tires, the sound of a crash, then one other crash and influence.
He had slammed into the automobile behind me, which propelled that automobile into my truck. Site visitors cleared on the northbound aspect, so I accomplished my flip and parked the truck on the roadside. The driving force of the automobile behind me pulled over to the aspect of the southbound lane on Rt 140. The driving force who precipitated the accident determined to not stick round and settle for duty – he fled the scene, working the following two crimson lights to get away. The automobile that was behind him gave chase, making an attempt to get his plate quantity, however they didn’t wish to run any lights in order that they got here again to the scene to see if we have been okay. By that point, I had known as the Milford PD – the motive force of the second automobile had gotten the plate variety of the hit-and-run driver, and the police tracked him down later that night time.
My truck was drivable, the bumper is twisted and smashed in, however nothing worse. After every part was squared away, I observed a little bit of ache in my decrease again, and I made a decision to go to the ER and get checked. The ER physician stated I seemingly had a muscle pressure, he suggested me to take it simple for just a few days and provided me a prescription for a muscle relaxer, which I turned down, choosing Ibuprofen for ache administration.
Now to the time bomb – I received a name from the medical claims adjuster at Progressive on Tuesday, explaining that Massachusetts had no-fault private harm legislation, and that I used to be on the hook for the ER invoice, as much as my $eight,000 deductible! I’ve the choice of billing my common medical insurance coverage, however I’ve deductibles and co-pays there, so I do not know what I’ll find yourself owing for this. My different possibility is to sue the motive force who precipitated this complete mess – he’s 24 years previous, lives at his guardian’s home, and that is his second hit-and-run, one thing tells me these pockets aren’t very deep.
The lengthy and in need of this: examine your auto insurance coverage coverage, and cut back your PIP deductible to the bottom potential quantity. In any other case, you would end up in my state of affairs, incurring big payments resulting from another person’s negligence. I discovered the onerous method – you don’t should do the identical!
Massachusetts Personal Injury Protection Law – Is There a Time Bomb in Your Auto Inurance Coverage?
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