Driving in Gloucester
People in Gloucester depend highly on their cars to get around. Over 80 percent of the households own at least one car. The average commute time is just over 25 minutes and almost half of commuters drive over 30 minutes to get to work. Over 78 percent of Gloucester commuters drive to work alone and almost 7 percent of them carpool. It’s 36 Miles from Gloucester to Boston, but the drive takes about an hour or longer.
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Car Accidents in Gloucester
Car accident cases are a common cause of personal injury claims in Gloucester. Gloucester is a coastal city, boasting a fishing heritage that is reflected in the harborside Fisherman’s Memorial. It is a premier location to enjoy fresh seafood, explore the lighthouses and learn about its maritime heritage. This impressive history attracts many people to the city, making it a busy spot for cars and pedestrians alike.
Drivers in Gloucester have a duty to follow the rules of the road and to use reasonable care when driving. Despite this, accidents still happen. So if you or a loved one find yourself in a car accident, you may be entitled to significant compensation. To get the settlement you deserve that covers all your injuries and expenses, give DiBella Law Offices P.C. a call today at (978) 327-5140 to allow our talented attorneys to advocate for your proper compensation.
Fault and Compensation
Because Gloucester is in Massachusetts, it operates as part of a no-fault system. This means that when a car accident happens, the fault does not lie on any party. Instead, you can file a claim against your own insurance company to receive compensation for your injuries. You generally do not receive compensation from the person who caused the accident.
This system has a few down sides. For one thing, insurance only covers medical expenses and does not extend to lost wages or pain and suffering. Also, you have the chance that the costs to care for your injuries will exceed the minimum coverage if you are in a serious accident. If you find yourself in this situation, you may need to pursue a claim against the other driver’s insurance company to fully cover the cost of your injuries.
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Can I Seek Compensation From the Negligent Driver’s Insurance?
As Gloucester is a no-fault city, you first have to go through your own insurance provider to receive compensation for your accident. This is true even if the other driver acted negligently and caused your injuries. Despite this, you are still able to seek compensation from a negligent driver if your car or motorcycle accident meets certain conditions.
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How Does Insurance Work?
Having the correct insurance is extremely important when living in Gloucester. The city requires every driver to meet the specific auto insurance minimums if they want to register a vehicle. This specific auto insurance must include a personal injury protection policy that can provide medical coverage up to a certain limit. This ensures that compensation can be recovered in any kind of auto accident. You are able to access this coverage even if the other driver was not negligent or if you were the only person involved in the accident.
What Happens If the Other Driver Does Not Have Insurance?
Despite the specific auto insurance minimums that the city of Gloucester requires all drivers to have if they want to register a vehicle, some drivers may still fail to meet these requirements, or they may allow their policies to lapse. If you are hit by an uninsured driver or by someone with a minimum policy, you may find yourself in a difficult situation where you are unable to meet your medical expenses. However, you have a way around this.
When sorting out your insurance, it is a great idea to look at uninsured motorist (UM) and underinsured motorist (UIM) coverage. If you have minimum liability insurance, then your insurance company is required to provide this coverage. These policies are designed to match your normal liability policy limits in situations where you are injured by a driver who does not have insurance or commits a hit and run, and where the other driver does not have enough coverage to compensate you for the full costs of the accident.
DiBella Law Offices P.C. Can Make a Difference
If you are experiencing resistance from your own insurance provider or if you believe that you have a potential claim against a negligent driver, then contact us immediately. It is essential that you receive the proper amount of compensation for the injuries and economic damage you have suffered, and we can help you do just that.
Give us a call today at (978) 327-5140 for a free consultation after a car or truck accident in Gloucester.
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