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If a Person Who Caused an Accident Has No Insurance, Who Covers Costs? – Article 646
Car accidents are expensive. While property loss can be tens-of-thousands of dollars, costs mount even more quickly if the accident causes injury. For example, brain injuries – which are especially common in auto accidents – can necessitate rehabilitation that isn’t necessarily covered by health insurance. The USA Today reports costs at $600-$800 per day. Unfortunately, as the Rocky Mountain Insurance Information Association reports, one American is treated in an emergency room for car accident injuries every 10 seconds. This means many people are incurring high medical bills each day because of auto accidents.
our Boston uninsured accident lawyers know that an accident victim’s own personal injury protection (PIP) coverage can provide limited coverage for medical bills, no matter who was to blame for the accident. Massachusetts is one of 12 states which requires no-fault insurance, and the policy you’re required to buy when you register your car can cover up to $8,000 in medical costs if you have no health insurance when involved in an accident.
However, if your costs and losses exceed the no-fault limits and/or if you were seriously hurt in an accident caused by another party, it is important to understand who covers costs when a liable party has no insurance.
Uninsured Motorist
