Haverhill Car Accident Lawyers
Driving in Haverhill
Over 7 out of every 10 households in Haverhill have two or more cars, so driving is obviously the most dominant form of transportation. Eighty percent of Haverhill commuters drive to work alone and just over 10 percent of them carpool. The average commute time is almost 28 minutes and 42 percent of commuters drive over 30 minutes to get to work. Haverhill is about 37 miles from Boston, but the drive takes 45 minutes or longer.
Haverhill is a busy city, being the home of several colleges and with five state routes going through the city. These roads are shared by young students as well as older residents and truckers, making the roads crowded and the risks of collisions high. In particular, the intersection of Broadway and North Broadway has been classified as a dangerous intersection, being flooded with cars during rush hours. Safety concerns remain despite motorists being advised of the dangers by the city of Haverhill. Motor vehicle collisions, including pedestrian accidents, are a significant risk in Haverhill, both at that intersection and in other places around the city.
A car accident can affect not only the passengers, but family and friends as well. After a serious car accident, it is important to take legal action as soon as you are able to. You cannot always trust car insurance companies to look out for your best interests so make sure to give DiBella Law Offices P.C. a call today at (978) 327-5140. One of our talented Haverhill injury lawyers can help you get your life back on track.
Fault and Compensation
Haverhill, Massachusetts is a no-fault city. This means that if you are in a car accident, you can file a claim against your own insurance provider to receive compensation for your injuries. This is the case even if the other driver acted negligently and caused your injuries.
If your insurance does not fully cover the cost of your injuries, you may need to pursue a claim against the other driver’s insurance company. You are able to do this if your accident meets certain conditions.
How Does Insurance Work?
If you wish to register a car in Haverhill, you must meet the specific auto insurance minimums. All registered drivers are required to carry a minimum car insurance policy, including personal injury protection, which provides medical coverage up to a certain limit. You are able to recover this compensation after any kind of accident, even if you were in a single car accident or if the other driver was not negligent.
Can I Seek Compensation From the Negligent Driver’s Insurance?
Because Haverhill is in a no-fault state, you have to go through your own insurance company to receive compensation first, even if you have been in a serious accident where the other driver was negligent and entirely at fault.
If you find yourself in a situation where your injuries exceed the $8,000 minimum personal injury protection coverage and the coverage is insufficient for victim relief, you may need to pursue a claim against the other driver’s insurance company. Personal injury protection coverage only applies to medical expenses, so to get compensation for lost wages or pain and suffering as a result of the accident, you need an attorney to help you deal with the negligent driver’s insurance.
What Happens If the Other Driver Does Not Have Insurance?
Despite Haverhill having specific insurance requirements for all drivers who want to register a car, some people still fail to meet these requirements or let their policies lapse. If you are hit by an uninsured driver, or even a driver with a minimum insurance policy, you will find it hard to cover your medical expenses or any other costs that arise.
If you have minimum liability insurance, then your insurance company is required to also provide uninsured and underinsured motorist coverage. These policies are designed to match your normal liability insurance minimums and apply in situations where you are injured by a driver who does not have insurance or commits a hit and run, or where the other driver does not have enough coverage to pay for the full costs of the accident.
Why Choose DiBella Law Offices P.C.?
We understand the law as it applies in these cases and have successfully represented thousands of cases, recovering millions of dollars for our clients. You can be confident in our ability to pursue justice and win fair compensation for you.
- 24-hour availability
- Contingency fee payment
- Free consultation
- Translations for Spanish speakers
- Free car-accident case reviews
You do not have to go through this alone, give us a call today at (978) 327-5140.