If you have been injured in a car accident that was not your fault, you need to know how the insurance companies determine fault in order to get the compensation you deserve.
The commonwealth of Massachusetts is a modified no-fault insurance state. This means that if an individual is deemed to be over fifty percent at fault, they can be held responsible. This also means that, regardless of fault, your own insurance company will pay for your injuries, up to your policy limit.
Additionally, Massachusetts law allows individuals the right to legally sue the at-fault party for non-monetary damages, i.e., pain and suffering, if damages exceed the threshold of $2,000. This process requires the determination of responsibility when accidents occur. Because of this, the Massachusetts Legislature has established the Safe Driver Insurance Plan (SDIP).
SDIP utilizes a strict set of guidelines for determining fault and making sure that safe drivers receive justice. The process involves driver classifications and insurance premium adjustments based on an insured’s driving record. Under this process, an at-fault accident constitutes a surchargeable incident. This means Massachusetts motor vehicle insurers must impose merit-rating surcharges on insured drivers who are more than fifty percent at fault in causing a motor vehicle accident.
To determine fault in a Massachusetts car accident, the SDIP uses 19 Standards of Fault. In the event your motor vehicle insurance company deems you at fault, you can be held financially responsible for the accident that took place. The standards create rebuttable presumptions of fault for various types of auto accidents.
The 19 Standards of Fault include:
To be considered a surchargeable at-fault accident, the following requirements must be met:
If you or a loved one has been injured in a car accident, you need a skilled attorney well-versed in Massachusetts auto accident law. The process of dealing with insurance companies or trying to prove fault is complex. Please call our office for a free case evaluation.
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